What software helps banks identify compliance gaps before OCC exams?

RegentForge analyzes bank policies against 18,000+ OCC, FDIC, Federal Reserve, and CFPB documents, returning specific CFR citations for every gap found — in under 48 hours.

What is predictive MRA forecasting?

RegentForge scores each compliance gap by examiner attention probability, telling banks which findings are most likely to become MRAs before the next exam cycle.

How much does a bank compliance gap analysis cost?

Traditional consultant-led analysis costs $40,000–$75,000 and takes 6–8 weeks. RegentForge's 60-day pilot starts at $2,500 with unlimited analyses.

Predictive Regulatory Intelligence

Your Examiners Are Coming.
Your Team Has 30 Minutes.
Cut Compliance Costs From $10M to $1M With AI.

RegentForge analyzes your bank's policies against 18,000+ OCC, Fed, FDIC, CFPB & Basel documents — surfacing compliance gaps, generating MRA-ready findings, and producing submission-ready reports in hours.
Policy gap analysis • MRA prediction • Numerical anomaly detection • DOCX · XLSX · PDF export

Request a Demo Start 60-Day Pilot — $2,500

🛡️ Audit-Defensible AI

Dual-AI verification + expert review • No hallucinations • Full citation traceability

The Problem

Regulatory scrutiny is
accelerating.

In 2024–2025, enforcement activity intensified across every federal banking regulator. Most compliance teams are still reacting after the fact.

60%+

Partner-Reliant Fintechs Hit

Fintechs dependent on partner banks faced MRAs or enforcement actions in the last 18 months.

$3B

TD Bank AML Fine

Record BSA/AML penalties alongside escalating CFPB orders on consumer harm and refund failures.

73%

Fintech Failure Rate

Venture-backed fintechs overwhelmingly cite regulatory compliance costs as a primary failure driver.

Most teams react after the exam letter arrives. Regent Forge lets you act months earlier.

How It Works

From intelligence to action
in four layers.

RF doesn't just monitor what changed — it predicts what's coming and generates your response.

Continuous Intelligence Ingestion

Real-time scraping and parsing of 18,000+ public regulatory documents — bulletins, SR letters, FILs, enforcement actions, and comment letters.

Pattern Detection & Predictive Scoring

AI analyzes historical enforcement outcomes to produce probability scores:

"Institutions with >X% partner-bank deposits saw 3.2× higher third-party MRA probability post-2023 guidance."

Risk Dashboard + Remediation Blueprints

Weekly personalized reports:

Ranked risk areas (High / Medium / Low)
Exact citations and peer benchmarks
Pre-drafted remediation templates for MRA responses, BSA/AML, TPRM

Human-in-the-Loop Assurance

Every draft reviewed by contracted regulatory experts. Full audit trail. Performance SLAs — not blind AI. 30-minute turnaround guaranteed.

The Platform

See enforcement exposure
before examiners do.

Your personalized risk profile updates weekly — ranked by probability, backed by citations, with remediation blueprints ready to execute.

Predictive risk scoring — probability-weighted enforcement forecasts calibrated against 18,000+ historical documents

Citation-linked evidence — every risk assessment traces to specific OCC bulletins, Fed SR letters, or FDIC guidance

One-click remediation — pre-drafted MRA responses, BSA/AML assessments, and TPRM programs ready for human review

Why Regent Forge

Built different. Proven foundation.

Purpose-built for regulated financial institutions — not a generic compliance wrapper with AI marketing.

18,000+ Documents Indexed

OCC, Fed, FDIC, CFPB, Basel — every enforcement action, bulletin, and guidance letter parsed and citation-linked.

Enforcement-Trained Predictions

Pattern detection trained on real enforcement outcomes — not generic compliance checklists or keyword matching.

Weekly Intelligence Updates

Regulators don't pause. Neither does RF. Continuous corpus expansion with every new filing, guidance, and action.

Built for Community Banks

Purpose-built for $500M–$5B institutions and fintech partners — not an enterprise tool retrofitted downmarket.

Transparent — No Black Box

Every prediction links to source regulatory text. Every citation is verifiable. Full audit trail for examiners.

Autonomous Engine

From prediction to
submission-ready output.

RegentForge doesn't just flag risks — it generates complete remediation packages, MRA responses, and compliance filings with full regulatory citations. AI drafts. Humans approve.

Risk Detected & Prioritized

Dual-AI system identifies enforcement pattern — e.g., OCC third-party scrutiny spike targeting your institution profile.

Remediation Blueprint Generated

Engine drafts a complete action plan with specific policy changes, timelines, and responsible parties mapped to your org structure.

Submission Package Compiled

MRA responses, call report amendments, or compliance filings assembled with exact regulatory citations and supporting documentation.

Human Review & Sign-Off

Your compliance team reviews, edits, and approves. Every output includes an audit trail and dual-AI verification confidence score.

⚡ 30-Minute MRA Turnaround 🔒 Full Audit Trail

📋 MRA Responses

Auto-generate examiner-ready responses to Matters Requiring Attention with cited remediation steps and implementation timelines.

📑 Call Report Drafts

Pre-populated regulatory call reports with flagged anomalies and variance explanations, ready for review and filing.

🔄 Policy Redlines

Blackline/redline policy updates mapped to new guidance — see exactly what changed, why, and which regulation drove it.

📊 Board Packages

Executive-ready compliance summaries with risk heatmaps, trend analysis, and recommended actions for board reporting.

Every output is generated from analysis of 18,000+ regulatory documents, cross-verified by dual AI systems, and delivered with complete citation chains back to source regulations.

See the Engine in Action →

Live Demo

See the Engine in Action

Watch RegentForge analyze a real bank policy against 18,000+ regulatory documents — citations, gaps, and MRA findings in seconds.

RegentForge Analysis Engine v4.0 — Deposit Account Agreement

Document Uploaded

PDF

BankPolicy_DepositAgreement_2024.pdf

47 pages · 2.3 MB · Uploaded just now

Policy Type Detected

✓ Deposit Account Agreement

Regulation Areas Scanning

✓ Reg E — Electronic Fund Transfers

✓ TISA — Truth in Savings

✓ Reg CC — Check Availability

◎ UDAAP Compliance

○ OCC Guidance 2024-Q1

Live Findings

0 / 24

HIGH

Missing overdraft opt-in disclosure language

12 CFR § 1005.17(b)(1) — Reg E requires explicit opt-in consent for ATM and one-time debit card overdraft coverage

MED

APY disclosure format non-compliant

12 CFR Part 1030 — TISA requires uniform APY calculation and display in account disclosures

HIGH

Funds availability schedule incomplete

12 CFR § 229.16 — Reg CC requires specific hold period disclosures at account opening

Analyzing UDAAP compliance patterns...

Scanning 18,247 regulatory docs FAISS index · Voyage AI embeddings

Run on Your Policy →

Avg findings per policy

<90s

Analysis time

100%

CFR citations verified

Policy types supported

Pricing

Start with intelligence.
Scale to execution.

Start with full platform access for 60 days. Scale your team when you're ready.

Start Here

60-Day Pilot

$2,500

One-time · 60 days · 1 seat · Money-back guarantee

Full platform access — prove the value before committing to a subscription.

All 5 policy types (deposit, lending, vendor, BSA/AML, privacy)
Compliance gap analysis with exact CFR citations
MRA risk scoring per finding
Policy Writer — gap remediation drafts
Export: DOCX + XLSX reports
Numerical anomaly detection
1 user seat
Email support
14-day money-back guarantee

ROI: Avoid $75,000+ in consulting fees on a single MRA response

The old way vs. the new way

Banks have been doing compliance the same way for 20 years. That ends now.

	Traditional / Consultants	RegentForge
Analysis turnaround	6–8 weeks	30 minutes
Cost per MRA response	$40,000 – $75,000	Included in subscription
Regulatory documents covered	Varies by consultant	18,000+ OCC/Fed/FDIC/CFPB
CFR citations per finding	Sometimes	Every finding, always
Policy types covered	Depends on engagement	All 5 (deposit, lending, vendor, BSA, privacy)
Available 24/7	✗ Business hours only	✓ Always on
Audit trail & version history	✗ Rarely	✓ Full audit trail
Exam prep time	Months of preparation	Continuous — always ready

See It For Your Bank

Your Examiners Are Coming.Your Team Has 30 Minutes.Cut Compliance Costs From $10M to $1M With AI.

Regulatory scrutiny isaccelerating.

From intelligence to actionin four layers.