For almost two decades, Strunk & Associates has provided nearly 2000 clients with the leading discretionary overdraft payment service. During this period, our clients’ practices and processes have remained compliant, prudent, safe and responsible. Our clients have undergone thousands of federal and state examinations without a single reported issue. Furthermore, no client, who has followed our recommended program guidelines, has ever been subject to negative press during their implementation or continued management of Strunk & Associates, L.P. Overdraft PrivilegeSM Service Program. Strunk & Associates, L.P. is well prepared to help financial institutions meet the strict demands of the Regulation E compliance process. Most of the required changes to overdraft protection under Regulation E have been our recommended "Best Practices" for years. Strunk & Associates, L.P. regulatory team and outside legal counsel have been working on program modifications that will enable financial institutions to develop and implement practical and manageable processes that meet all new compliance requirements. Our goal is to work closely with clients on proactive steps to take in service design, consumer education and staff training to address new regulatory guidelines. Examples of these proactive steps are, a detailed opt-in process plan and assistance with their development of new forms, policies, processes, procedures, and consumer disclosure materials that will enable them to continue providing this valuable service to their accountholders. We currently offer three types of ongoing program support, with particular attention to Regulation E compliance and the potential negative impact to customer service and fee income. Now is not the time to go it alone!

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