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Charters & Remediation
From a new charter to a clean exam.
We take banks through de novo and conversion charters and the applications that go with them, and we resolve the regulatory actions that put a bank under pressure.
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When to engage
Engage for a new charter or conversion, or when a formal regulatory action has arrived.
On charters: a de novo or conversion application and the build to day-one operations. On remediation: an MRA, MOU, PCA, C&D, or consent order from the OCC, FDIC, Federal Reserve, or a state regulator, or a board that needs an independent team that has resolved these before.
The post-2023 examination cycle continues to produce sustained MRA, MOU, and consent-order activity, with elevated scrutiny of bank-fintech partnerships.
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What we do
Two related disciplines live here.
On charters, we run de novo and conversion applications end to end, from the business plan and regulatory filings through the first ninety days of operating as a bank, not stopping at approval. On remediation, we resolve formal regulatory actions, MRAs, MOUs, PCAs, and consent orders, with examination-ready work product and stronger regulatory relations, including remediation of BSA/AML, CRA, fair lending, and FDICIA findings. Where it sharpens the work, we bring Endurance Fair Lending Analytics to disparity and decision analysis, and the Endurance Review Engine for transaction monitoring and continuous oversight that keeps a bank examination-ready after the order is lifted.
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How the Framework applies
Every assertion traces back to its source, which is exactly what an examiner requires, whether validating a remediation or reviewing a charter application.
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The methods & AI behind it
AI does not change what regulators expect. It changes how fast and how thoroughly we deliver.
The Endurance Review Engine processes examination reports, SOC reports, transaction histories, and policy libraries, and runs transaction monitoring and continuous oversight that keeps a bank examination-ready after an order is lifted. Endurance Fair Lending Analytics handles disparity and decision analysis where a finding or a charter touches lending.
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Who leads the work
Your lead is the practitioner with the deepest credibility for your charter or your specific finding.
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Outcomes partners typically see
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Related offering
When the finding closes, the work is keeping it closed.
Many remediation engagements roll into Credit & Enterprise Risk Management as an ongoing sustainment retainer.
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Common questions
What banks ask about Charters & Remediation.
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GET STARTED
Have an action on the table?
Talk with a practitioner who has resolved one like it.
Yes, end to end, from the business plan and applications through the first ninety days of operating as a bank.
Yes. We coordinate with your counsel, internal audit, and the regulator's expectations rather than working around them.
MRAs, MOUs, PCAs, C&D and consent orders, and findings spanning BSA/AML and OFAC, CRA, fair lending, FDICIA, third-party and BaaS, and capital and liquidity.
That is the design goal. Every number ties to a catalogued source and a named approver, so an examiner can follow the trail.
The practitioner with the deepest credibility for your charter or your specific finding.
40 to 60%
Fewer false positives in AML & fraud workflows
30 to 50%
Fewer hours of manual review, diligence, and remediation
Weeks to days
Turnaround on document-heavy review
Zero
Major findings on AI-assisted deliverables
40 to 60%
Fewer false positives in AML & fraud workflows
30 to 50%
Fewer hours of manual review, diligence, and remediation
Weeks to days
Turnaround on document-heavy review
Zero
Major findings on AI-assisted deliverables
Versioned prompts
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Inline citations
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Human in the loop
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Examination packet
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