RATA ASSOCIATES, LLC
LONGWOOD, FLORIDA

RATA Associates has been in the HMDA/CRA arena for over 31 years. During that time we have helped hundreds of institutions successfully submit millions of applications for Regulation C (HMDA) and Regulation BB (CRA). All of the components of the RATA Comply Suite are built on the latest Microsoft .NET and SQL Server technology platforms. By utilizing this cutting-edge technology, RATA Associates offers an Enterprise-level solution at a cost-effective price. Combining this technology with RATA's experience and expertise makes the RATA Comply Suite the unrivaled leader in the HMDA/CRA arena. In the end it all comes down to support and no one offers more personal and professional support than RATA Associates. When you call for support during business hours you will always talk to a person, not some menu system, and that person will be able to direct your call to the appropriate party. Most support issues are handled immediately, but all issues are handled as quickly as possible. The RATA Comply Suite can be up-and-running at your institution in a day. RATA Associates will walk you and your IT department through the implementation process, help you set up Import Definitions to match your existing data extracts, convert all of your historical data to the Comply format and get you up-and-running. It really is that easy and RATA will do most of the work for you! The Comply HMDA/CRA components contain all of the FFIEC Edit Checks so that you can run them at anytime and clean up your data. Once the Edit Check reports show no edits, you are ready to submit a 100% edit-free submission to the government. The system will perform both Validity and Quality Edit Checks. Validity Edits must be corrected before submission. The Quality Edits are tolerance tests and the data may or may not be correct. Comply gives you the ability to mark Quality Edits as QC Verified so that you don't keep seeing the errors over and over! Need to make Global changes or deletes to your file? No problem. In Comply HMDA/CRA you can grant Users the rights and privileges to perform global operations on the data. Simply filter down to the subset of records you want to modify and then make the change. This is a very powerful action and should only be activated for trusted users. One nice additional feature about Comply is that it has an Event History and the product Administrator can see what changes users have made and when! Submission Once all of your HMDA and/or CRA data has been collected, corrected and geocoded, the Comply HMDA/CRA software will walk you through creating the electronic submission file. Again a Wizard will walk you through the process. The Submission Sentry will analyze your data to make sure it is edit free and fully geocoded. Once your data passes this check the submission file is created and encrypted using the FFIEC encryption software. All you have to do is attach the file to an email and send it off to the FFIEC. In addition to helping you collect and process your data, Comply HMDA/CRA also lets you Analyze your data. You can prepare Disclosure Tables, Performance reports, Assessment Areas Reports, Trend Analysis, Official Reports and much more. Because many of the processes associated with HMDA and/or CRA need to be done monthly or quarterly depending on your Regulatory Agency or your volume of data, many of our clients requested a way to automate the process. We are pleased to announce the availability of the Comply Auto-Pilot. With the Auto-Pilot, anything you can do in Comply manually you can now make automated by setting up a script of the actions and then scheduling when you want the script to run! Sound complicated? Well it isn't. As usual a Wizard walks you through the steps of setting up the script. Once complete, you can use previous scripts as templates to create new scripts. It's like having another compliance assistant in the office, but this assistant does not take breaks or sleep! With all of the components being accessed from one icon, there became a need to enhance the User Rights and Privileges within the system. Now with User Access, you can define User Groups for each component and assign access rights for each component. When creating custom User Groups you will have full access to customize permissions any way you like. Comply also supports Windows Authentication for automatic sign in. The regression module has a robust set of consistency verification tools to help identify relationships between variables. Create official LAR and MicroData files; encrypt submission files directly in the system Identify missing or invalid data. Focus on applications with incomplete information or data entry errors. Update or remove outlying data from your analysis workspace. Use automated tools to help you find and correct anomalies. Create risk scorecards to find areas that need attention. Use regression models to generate reports that will help you identify disparities in predicted pricing. Print summary information or save and post it on an internal website for executives or employees. Compare analysis reports between periods of time, assessment areas, underwriters, brokers, or any other groups of applications. This overview provides a basic and abbreviated discussion of federal fair lending laws and regulations. It is adapted from the Interagency Policy Statement on Fair Lending issued in March 1994. Submission Audit Summary with Charts Within a couple minutes we are able to build a simple table that shows the Top 10 OCC submitters in our Test for Comply 365 Peer group compared to all submitters and broken down by action taken. RATA Associates, LLC has specialized in providing geocoding services since 1987 and today is the leading provider of outsourced geocoding services to the financial services industry. Using a proprietary process, RATA leverages 10 proprietary and commercially-available geocoding data sources organized in a 13-step process against one another for every address we geocode in order to derive the highest precision result possible. RATA's services offer several geocoding solutions designed to provide cost-effective geocoding services tailored to the customer's requirements.