Built for regulated industries.
Focul is purpose-built for organizations where compliance isn't optional. We understand the specific pressures — and regulators — you deal with every day.
Compliance that protects patients and practices.
Healthcare compliance isn't just paperwork — it's the framework that protects your patients, your staff, and your license to operate. HIPAA violations, unsecured devices, and audit failures are operational risks that cost practices real money and real trust.
OCR received over 47,000 HIPAA complaints in 2023. Not all of them ended quietly.
average cost of a HIPAA violation with willful neglect
Most small and mid-size practices don't have a dedicated compliance officer. Focul gives you the risk assessments, training tracking, and documentation that make HIPAA audits straightforward.
PHI lives on laptops, tablets, and phones across your practice. As a Microsoft partner, Focul manages devices through Intune and Defender — enforcing encryption and locking down anything that goes missing.
Disorganized or incomplete records are the fastest path to audit failure. Focul's centralized document management keeps everything version-controlled and retrievable.
Stay ahead of regulators — not just reactively.
Financial institutions operate in one of the most heavily scrutinized regulatory environments in the world. From BSA/AML requirements to state-specific reporting obligations, the compliance burden is real and growing. Focul gives financial organizations a centralized platform to monitor regulatory changes and maintain the audit trails examiners expect.
Regulators don't grade on a curve. A missed SAR or an outdated policy is just as costly as fraud.
in BSA/AML penalties assessed by FinCEN in 2023 alone
FinCEN, CFPB, and state regulators issue guidance constantly. Focul monitors the regulatory landscape and alerts your team to changes before they become compliance failures.
Regulators expect complete, timestamped records of compliance decisions. Focul automatically logs every policy action, review, and acknowledgment so your audit trail is always intact.
Financial institutions are required to maintain up-to-date written policies across dozens of areas. Focul manages review cycles, version control, and staff acknowledgment so nothing slips.
Filing, compliance, and documentation — handled.
Insurance carriers and agencies face state-by-state regulatory requirements that vary dramatically, ongoing filing obligations, and increasing scrutiny around claims practices. Focul helps insurance organizations manage regulatory filings, track compliance across jurisdictions, and maintain the documentation that state examiners look for.
A market conduct exam with 48 hours notice is not a situation you want to improvise.
of state DOI market conduct exams uncover findings that require remediation
Keeping up with filing requirements across multiple states is complex and error-prone. Focul tracks your filing calendar and ensures documentation is organized and ready when deadlines hit.
Claims handling practices are one of the most common triggers for market conduct exams. Focul helps you document claims processes and monitor for patterns that might attract regulatory attention.
State market conduct exams can be triggered with minimal notice. Focul keeps your documentation audit-ready year-round so an exam is an administrative exercise, not a crisis.
Examined, audited, and scrutinized — be ready.
Community banks, regional banks, trust companies, RIAs, and broker-dealers operate under some of the most rigorous compliance regimes in regulated finance. OCC examinations, FDIC oversight, FINRA audits, and state banking department reviews move on their own timelines — and documentation gaps, stale KYC programs, or weak policy governance are exactly what examiners are trained to find. Focul gives banking and wealth management organizations a centralized platform to stay exam-ready year-round.
An OCC examiner arriving without your CRA documentation in order isn't an inconvenience — it's a formal finding that follows your institution.
in financial remedies ordered by the SEC in FY2023 across broker-dealers and investment advisers
Know Your Customer and Customer Due Diligence requirements are not one-time onboarding steps. Regulators expect documented, risk-based programs with ongoing monitoring — especially for high-risk relationships and politically exposed persons (PEPs). Focul keeps your KYC program current, consistent, and auditable.
The SEC's Regulation Best Interest requires broker-dealers to act in clients' best interests — and document that they did. RIAs face parallel obligations under the Investment Advisers Act and Form ADV. Focul tracks your policies, client disclosures, and review cycles so examiners see a complete, defensible record.
Community Reinvestment Act assessments and fair lending reviews require documented policies, granular lending data, and evidence your institution serves its full assessment area. A weak CRA rating affects your charter. Focul keeps the documentation that ratings depend on organized and always current.