1. Mortgage Regulatory Compliance
Consultants for: Banks ▪ Finance Companies ▪ Credit Unions ▪ Servicers ▪ Investors ▪ Specialty Finance Companies
NAVIGATING THE REGULATORY
LANDSCAPE
NewOak’s Regulatory Compliance services help clients
navigate the regulatory landscape from origination through
servicing to ensure compliance with applicable regulations. • Compliance Program Development
• Complaint Management
• Monitoring and Reporting
• Training
• Independent Audit
Compliance Management System
Development
NEWOAK CREDIT SERVICES is an independent consultancy specializing in credit and
regulatory compliance services for the residential mortgage, consumer finance, and
specialty finance industries.
MARKET PRESENCE New York • Danbury • Atlanta • Dallas • Washington, D.C. • Boston
• Operational Effectiveness
• Product and Program Gap Analyses
• Development of Controls
• Regulatory Change Management
• Compliance Program Enhancement
Compliance Risk Assessment
NEWOAK’S SUITE OF SERVICES
• Loan Portfolio Statistical Analysis
• Policy and Procedure Reviews
• Products and Marketing Comparative
Analysis
• Vendor Agreements
• Internal Controls
• Self Assessments
Fair Lending Risk Assessment
• Proactive Audit Preparation
• Policy and Procedure Review
• Gap Remediation
• Mock Regulatory Audits
• Sample Loan Review
• Incorporation of Regulator Audit
Issues into Protocol/Procedures
Regulatory Examinations
• Compliance Gap Analysis
• Federal and State Compliance Review
• Vendor Compliance
• Portfolio Due Diligence
Independent Audit
• Compliance Gap Analysis
• Compliance Program Enhancement
• Conduct Loan-Level Reviews
• Vendor Compliance
• Training
TRID Review
WHY WORK WITH NEWOAK
NewOak’s Regulatory Compliance practice is built around experienced
practitioners and a leadership team with an average of more than 25 years’
industry experience.
Experienced Team
NewOak's auditable and reputable process seamlessly aligns our clients'
needs with our expertise and capabilities
Proven Process
NewOak's proprietary platform, OpenRisk®, can be calibrated to specific
client review, analysis, and reporting needs in a manner unparalleled in the
industry. Our end-to-end technology, in conjunction with our nationally
recognized data and compliance partners, allows for customizable solutions.
Bespoke Technology
Client Relations Team
212-209-0707
CreditServicesInfo@NewOak.com
New York Headquarters
685 Third Avenue, 21st Floor
New York, NY 10017
www.newoak.com
Compliance & Operational Review
Situation
Client seeks to understand and mitigate any potential risks
identified with respect to its lending and servicing operations.
Services Offered
Conduct a gap analysis; review a test file; perform a loan-level
servicing due diligence review; perform loss mitigation analysis;
identify risk areas and make recommendations; and implement
and monitor established recommendations and protocols.
Deliverable
Provide a written validation report including, results and
recommendations. For each loan reviewed, provide a
customized loan-level servicing report, including compliance
related issues.
CASE STUDY

2. DISCLAIMER This document has been prepared solely for informational purposes and does not constitute an offer to sell or solicitation of an offer to purchase any security. All
information contained herein is subject to change without notice, revision or update. NewOak Credit Services LLC (“NewOak”) makes no representation or warranty, express or implied, as
to the accuracy or completeness of the information contained herein and nothing contained herein may be relied upon as a representation or promise; any such reliance shall be
unreasonable. This document is intended solely for the person to whom it has been delivered and may not be reproduced or forwarded to any other person without the express written
consent of NewOak. This document is also subject to the disclaimers set forth at http://newoak.com/disclaimers.