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SERVICES

Consulting

We have developed a proven method to deliver Satisfactory or Outstanding CRA Exam Ratings for our clients.

How do we do it?

Through our proven technique of data collecting, community engagement, systems implementation and innovative response to the communities you serve.  To us, the Community Reinvestment Act regulation is not vague or misunderstood, we have a thorough knowledge of what examiners are looking for and we ensure delivery of a regulatory reporting product that will gain you the highest score possible on your CRA Exam.

Expertise and Cultivation.

We’ve had the unique fortune to work closely with former bank examiners from the OCC, Federal Reserve Bank and the FDIC allowing us to ask the relevant questions about CRA Exam to prepare deliverables in a manner that is comprehensive, addressing all community development service lending and investment.

If your bank has a Fair Lending DOJ  Consent Order we have a 100% success rate in getting financial institutions released from the settlement agreement with no additional requirements.

 

GET in

Touch

Contact us today to find out how we can help your business.

 
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Testimonials

Working with Lysa is educational. She is taking us step-by-step through the process of transforming our CRA program into a dynamic model that can grow with us. She is also helping us with identifying fair lending violations and working with us to correct carryover issues from an acquisition. We know the assistance of someone with her experience is critical to our future success.
— THE STATE BANK - HQ IN FENTON MI


Lysa is a consummate banker steeped in the areas of Compliance with Consumer Regulations, compliance with the Community Reinvestment Act (CRA), the Home Mortgage Disclosure Act (HMDA) and other regulations related to community development and consumer regulations.

She has demonstrated the ability to identify and gain access to credit enhancement programs from the Federal Home Loan Bank system to assist in helping banks access capital to provide down payment assistance for low and moderate income home buyers, and grants and low interest rate capital for affordable rental housing and commercial properties.

She has demonstrated the ability to aid financial institutions to create effective and efficient strategic plans and tactical actions that meet CRA objectives and provide clear messages to the regulators and the public.

She has an ability to assist financial institutions in managing the effective delivery of projects that involve Low Income Housing Tax Credits, New Markets Tax Credits and state-sponsored financing programs that leverage conventional loans and reduce collateral risk.
— THOMAS P FITZGIBBON JR - TAG II LLC
 

About Me

CEO - Lysa Davis

MY NAME IS lysa

Lysa Davis is a Regulatory Compliance and Community Reinvestment Professional, with over 20 years experience in administering all aspects of consumer compliance programs and Community Reinvestment Act (CRA) initiatives.  

2015 - Subject matter expert for the FDIC.

2016 - Guest panelist for the Federal Reserve Affordable Housing and Policy Conference

2017 - Facilitated a community tour for the United States Department of Justice Attorney’s Office

2017 - Hosted a FDIC Money Smart “Train the Trainer” for a Community Bank Client.

2018 - Partnered with the Federal Reserve Bank to collect data through surveys for small business market research

2018 - Participant for CRA Listening Session

2018 - Submitted comments to the Office of the Comptroller of the Currency’s (OCC) Advance Notice of Proposed Rulemaking (ANPR) regarding the Community Reinvestment Act (CRA).