ProBank Austin (formerly known as Professional Bank Services) is a consulting company for traditional and non-traditional financial institutions across the country. Founded in 1978 our consulting staff is comprised of former federal and state regulators, bankers, attorneys, and financial analysts adept at providing authoritative and practical advice. Our clients range in size from small community banks to multi-billion dollar international institutions as well as a significant number Online Lenders and their partnering banks. We provide educational programs to thousands through our proprietary programs as well as through our relationships with many state banking associations and agencies. Our training clients have included the Federal Deposit Insurance Corporation, the Office of Thrift Supervision, and various state regulatory agencies. This White Paper is a sample of our ongoing efforts to keep our clients up to date with the dynamic regulatory environment.