CBA Webinars

CBA Team Contact

Maren Colon

An FCRA Refresher for Compliant Cross-Selling: Ensure Permissible Purpose

Recorded On: 12/06/2016



Tammy Stacy, Deputy Chief Compliance Officer, Equifax


In today's regulatory environment, the CFPB is expected to intensify its scrutiny of cross-sell practices across the financial services industry. This added focus has encouraged many banks, credit unions, lenders and card issuers to re-examine their own cross-sell processes. Take steps today to ensure the proper and permissible use of credit reports across your organization with a refresher on FCRA best practices.


  1. Trends Observed in CFPB-Regulated Financial Institutions
  2. Recommendations around FCRA Compliance
  3. Differences between Cross-selling and Prescreening


  1. Back-to-Basics on Best Practices around FCRA Compliance
  2. Help define what you should be reviewing in your current cross sell processes
  3. Alternatives to consider that are both compliant and profitable, while providing a 'customer first' experience for your customers

Tammy Stacy, CRCM

Deputy Chief Compliance Officer, Equifax

Tammy joined Equifax as Deputy Chief Compliance Officer for Regulation and Compliance in January, 2014. She is responsible for ensuring all products and services, including marketing materials, meet consumer financial protection laws and regulations. She also supports the sales force in answering compliance related questions or issues raised by their clients. Tammy is a Certified Regulatory Compliance Manager (CRCM), with over thirty years of compliance experience with financial institutions, including Bank of America, Wells Fargo, The Brand Banking Company, and most recently, Bank of the West. She has first-hand experience contributing to the writing and revision of consumer financial regulations as a former regulator in Washington, DC. As a former member of the Mortgage Markets Committee of the American Bankers Association, she worked closely on the analysis, interpretation, and implementation challenges of the multiple new mortgage lending and servicing regulations that were effective in January, 2014. Tammy brings to Equifax a wealth of compliance experience, including as a former Chief Compliance Officer and as a Fair Lending Officer and has covered Retail, Consumer, Commercial and Mortgage Compliance. This experience will enhance the further development of our compliance program as well as our interactions with our clients.

On-Demand Archive
Select the "View On-Demand Recording" button to begin playback.
Select the "View On-Demand Recording" button to begin playback.