Compliance Documentation Gap Report
Prepared for Sample Financial Institution | April 02, 2026 | Generated by FinCompliance
26/100
Compliance Documentation Score
Detailed Findings
[ERROR] DocumentMetadata: Missing required metadata: 'Effective Date'. All compliance documents must include an effective date.
[ERROR] DocumentMetadata: Missing required metadata: 'Last Reviewed'. Examiners check that policies are reviewed regularly.
[ERROR] DocumentMetadata: Missing required metadata: 'Next Review Date'. Demonstrates commitment to ongoing review.
[ERROR] DocumentMetadata: Missing required metadata: 'Approved By'. Documents must show who authorized the policy.
[ERROR] DocumentStructure: Document missing top-level heading (# Title).
[WARNING] DocumentStructure: Document has no section headings (## Section). Compliance documents need clear section organization.
[SUGGESTION] Line 69: Passive voice detected: 'must be reviewed'. Assign clear responsibility with active voice (who does what).
[WARNING] Line 181: Unquantified frequency: 'regular basis'. Specify exact cadence (daily/weekly/monthly/quarterly/annually).
[SUGGESTION] Line 183: Passive voice detected: 'must be reviewed'. Assign clear responsibility with active voice (who does what).
[WARNING] Line 245: Use 'at least [quarterly/monthly/annually]' instead of 'periodically' for regulatory precision.
[SUGGESTION] Line 269: Passive voice detected: 'must be conducted'. Assign clear responsibility with active voice (who does what).
[SUGGESTION] Line 290: Credit union terminology: Use 'members' instead of 'customers' in credit union documents.
[SUGGESTION] Line 291: Passive voice detected: 'must be reviewed'. Assign clear responsibility with active voice (who does what).
[SUGGESTION] Line 291: Credit union terminology: Use 'members' instead of 'customers' in credit union documents.
[SUGGESTION] Line 335: Credit union terminology: Use 'member' instead of 'customer' in credit union documents.
[SUGGESTION] Line 353: Passive voice detected: 'must be conducted'. Assign clear responsibility with active voice (who does what).
[SUGGESTION] Line 360: Passive voice detected: 'must be conducted'. Assign clear responsibility with active voice (who does what).
[SUGGESTION] Line 361: Passive voice detected: 'must be conducted'. Assign clear responsibility with active voice (who does what).
[SUGGESTION] Line 363: Passive voice detected: 'must be reviewed'. Assign clear responsibility with active voice (who does what).
[SUGGESTION] Line 422: Credit union terminology: Use 'member' instead of 'customer' in credit union documents.
[SUGGESTION] Line 426: Credit union terminology: Use 'members' instead of 'customers' in credit union documents.
[SUGGESTION] Line 426: Credit union terminology: Use 'member' instead of 'customer' in credit union documents.
[SUGGESTION] Line 426: Credit union terminology: Use 'member' instead of 'customer' in credit union documents.
What These Findings Mean
Each error represents a gap that NCUA or OCC examiners are likely to cite as a finding during your next examination. Errors include missing required policy elements, prohibited language suggesting incomplete compliance, and structural issues that prevent examiner review.
Warnings are issues that weaken your documentation but may not result in a formal finding. These include vague language, unspecified timeframes, and unassigned responsibilities that make policies harder to enforce and audit.
Recommended Next Steps
- Address all errors before your next examination cycle
- Review warnings with your compliance officer or committee
- Consider a full documentation suite review across all compliance policies
Want a full compliance documentation audit?
FinCompliance checks your entire policy suite against BSA/AML, SOX, PCI-DSS, GLBA, and NCUA requirements. Get a complete gap analysis with specific remediation steps.
Contact: bipinrimal314@gmail.com | github.com/BipinRimal314/comply