Consumer Compliance Resources
Resource | Description |
---|---|
Overall Consumer Compliance |
|
Federal Reserve’s Consumer Compliance Handbook (Updated June 2012) ![]() ![]() (2.27 MB, 605 pages) |
Manual used to conduct compliance examinations of state member banks |
Federal Reserve Board’s Regulations ![]() |
Compilation of the Board’s regulations |
Federal Reserve Board’s
Consumer Affairs Letters ![]() |
Letters provide guidance on policy and procedural matters related to Federal Reserve System’s consumer compliance supervisory responsibilities |
Dodd-Frank Wall Street Reform and Consumer Protection Act Links |
|
Dodd-Frank
Act ![]() ![]() |
Full text of the Dodd-Frank Act, Public Law 111-203, July 21, 2010 (U.S. Government Printing Office) |
Regulatory Reform (Federal Reserve
Board) ![]() |
Tracks progress of regulations FRB must issue under Dodd-Frank |
Dodd-Frank Act
Regulatory Reform Rules (Federal Reserve Bank of St. Louis) ![]() |
Tracks progress of Dodd-Frank implementing regulations |
Consumer Financial Protection Bureau (CFPB) Links |
|
CFPB ![]() |
CFPB official website |
CFPB rulemaking page ![]() |
List of proposed and final rules issued by the CFPB |
CFPB Newsroom ![]() |
Recent news and press releases from the CFPB |
TILA/RESPA Integrated Disclosure (TRID) ![]() |
CFPB’s TRID resource and implementation page |
CFPB Guidance Documents ![]() |
Guidance documents from the CFPB |
Supervision and Examination Manual ![]() |
The CFPB’s supervision manual (August 2019) |
CFPB’s e-regulations ![]() |
Link to CFPB’s unofficial version of its regulations |
Notice and comment ![]() |
Listing and status of CFPB’s rulemakings |
CFPB Regulatory Implementation Page
![]() |
Resources to facilitate compliance with CFPB’s new mortgage rules |
Fair Lending and Equal Credit Opportunity Act (ECOA) — Regulation B |
|
Regulation B ![]() |
Prohibits creditors from treating a credit applicant less favorably than another because of age, sex or marital status, race, color, religion, national origin, source of income, or the exercise of rights under federal consumer credit protection laws |
Equal
Credit Opportunity
![]() |
Text of ECOA, 15 U.S.C. §1691-1691f (Office of the Law Revision Counsel of the U.S. House of Representatives) |
2009 Interagency Fair Lending Exam Procedures ![]() ![]() (200 KB, 46 pages) |
Procedures used for conducting fair lending examinations |
Justice Department’s Fair Lending
Site ![]() |
Links to fair lending resources, including a listing of fair lending cases the Justice Department has litigated |
Fair Housing Act ![]() ![]() |
Text of the Fair Housing Act (42 U.S.C. 3601-3631) |
HUD’s Fair Housing
![]() ![]() |
HUD’s regulations pertaining to the Fair Housing Act |
Justice
Department’s Fair Housing Site ![]() |
Links for fair housing resources |
HUD’s
Fair Housing Page ![]() |
Collection of fair housing resources from HUD |
Home Mortgage Disclosure Act (HMDA) — Regulation C |
|
Regulation C ![]() |
Regulation implements the Home Mortgage Disclosure Act; describes a bank’s obligation for recording and compiling HMDA loan data |
Home
Mortgage Disclosure
![]() |
Text of HMDA, 12 U.S.C. §§2801-2811 (Office of the Law Revision Counsel of the U.S. House of
Representatives) |
FFIEC HMDA Resource Page ![]() |
Collection of HMDA resources |
HMDA Getting It Right ![]() |
2019 Guide to recording and reporting HMDA data |
FFIEC Geocoding
Page ![]() |
Web-based geocoding system |
FFIEC Rate Spread Calculator ![]() |
Online calculator to determine if a loan must be reported as a rate-spread loan |
HMDA Aggregate Reports ![]() |
List of all HMDA reports by state/territory |
HMDA Disclosure Reports ![]() |
List of all HMDA disclosure reports |
HMDA National Aggregate Reports
![]() |
Aggregate HMDA data by variable |
HMDA FAQs ![]() |
HMDA frequently asked questions |
HMDA Data Entry Software ![]() |
HMDA Data Entry Software options |
FFIEC HMDA Edits ![]() |
HMDA edits and explanations to ensure accurate data reporting |
Mailing Addresses for HMDA Data Submission ![]() |
Mailing addresses for HMDA data submission |
Electronic Fund Transfer Act (EFTA) — Regulation E |
|
Regulation
E ![]() |
Regulation implements the Electronic Fund Transfer Act; provides consumer protections for electronic fund transfers, such as ATM and debit card transactions |
Electronic
Fund Transfer Act ![]() |
Text of EFTA, 15 U.S.C. §§1693-1693r |
Overview of the New Regulation E Requirements for Foreign Remittance Transfers | Consumer Compliance Outlook article providing an overview of the new foreign remittance transfer requirements in Regulation E |
CFPB Remittance Transfer Rule page ![]() |
Text of Regulation E’s remittance transfer rule and accompanying resources |
CFPB’s Small Business Compliance Guide for Remittance Transfers ![]() |
Small entity compliance guide to international fund transfers (Updated January 12, 2020) |
Flood Insurance — Regulation H |
|
Regulation H (12 CFR 208.25) ![]() |
The Federal Reserve’s flood insurance requirements for state member banks when making loans in flood hazard areas |
Interagency FAQs for Flood Insurance (effective 9/21/09) ![]() |
Interagency questions and answers regarding flood insurance |
Revised
Interagency FAQs for Flood Insurance (effective 10/17/11) ![]() |
Interagency questions and answers regarding flood insurance |
FEMA’s Flood Manual ![]() |
FEMA’s in-depth guidance for flood insurance |
FEMA’s Flood Insurance Regulation ![]() |
FEMA’s regulation about flood insurance coverage and rates |
Floodsmart: FEMA’s Flood Insurance Purchase
Page ![]() |
Information about FEMA’s flood insurance program |
FEMA’s law and
regulations page ![]() |
Links to flood insurance statutes and regulations |
FEMA Map Service Center ![]() |
Resource for FEMA flood maps. Users can type in the address of a property to determine if it’s in a special flood hazard area |
Consumer Leasing Act — Regulation M |
|
Regulation M ![]() |
Regulation implements the Consumer Leasing Act; provides consumer protections for leasing by requiring clear, conspicuous disclosure of important terms of consumer leases |
Consumer Leasing Act ![]() |
Text of CLA, 15 U.S.C. §1667-1667f |
Real Estate Settlement Procedures Act (RESPA) — Regulation X |
|
Regulation X ![]() |
Regulation implements the Real Estate Settlement Procedures Act |
Real
Estate Settlement Procedures Act ![]() |
Text of RESPA, 12 U.S.C. §§2601-2617 |
Truth in Lending Act (TILA) — Regulation Z |
|
CFPB Regulatory Implementation
Page ![]() |
Resources to facilitate compliance with CFPB’s new mortgage rules |
Regulation Z ![]() |
Regulation implements the Truth in Lending Act |
Truth
in Lending Act ![]() |
Text of TILA (Consumer Credit Cost Disclosure), 15 U.S.C. §§1601-1667f (Office of the Law Revision Counsel of the U.S. House of Representatives) |
OCC APR Calculator ![]() |
Software to verify annual percentage rates |
FFIEC Higher-Priced Mortgage Calculator ![]() |
Online calculator to determine if a loan is a higher-priced mortgage loan |
CFPB Small Entity Compliance Guide Ability-to-Repay/Qualified Mortgage Rule ![]() ![]() |
Guide for the ATR/QM Rule (updated November 3, 2014) |
CFPB Small Entity Compliance Guide TILA Escrow Rule ![]() ![]() |
Guide for the Escrow Rule (Update March 2016) |
Community Reinvestment Act (CRA) — Regulation BB |
|
Regulation BB ![]() |
Regulation implements the CRA; provides guidance to banks about how CRA examiners will assess their activities under the CRA |
Community
Reinvestment
![]() |
Text of the CRA, 12 U.S.C. §§2901-2908 |
FFIEC CRA Resource Page ![]() |
Collection of CRA resources |
CRA Interagency Questions & Answers ![]() |
Frequently asked questions about the CRA |
CRA Examinations ![]() |
Collection of resources for CRA examinations from the FFIEC |
Expedited Funds Availability Act (EFAA) — Regulation CC |
|
Regulation CC ![]() |
Regulation implements the Expedited Funds Availability Act; provides consumer protections concerning how long banks can place holds on checks deposited in consumer checking accounts |
Expedited Funds Availability Act ![]() |
Text of the EFAA, 12 U.S.C. §§4001-4010 |
Truth in Savings Act (TISA) — Regulation DD |
|
Regulation DD ![]() |
Regulation implements the Truth in Savings Act; provides consumer protections and disclosures for consumer savings accounts |
Truth in Savings Act ![]() |
Text of the TISA, 12 U.S.C. §§4301-4313 (Office of the Law Revision Counsel of the U.S. House of Representatives) |
OCC APY Calculator ![]() |
Software to verify annual percentage yields |
Payment Cards |
|
Consumer Finance Institute | Collection of resources for consumer credit |
Fair Credit Reporting Act (FCRA) — Regulation V |
|
Regulation V ![]() |
Regulation implements Fair Credit Reporting Act |
Fair
Credit Reporting Act ![]() |
Text of the FCRA, 15 U.S.C. §§1681-1681x |
40 Years of Experience with the Fair Credit Reporting Act ![]() ![]() |
An FTC Staff Report with Summary of Interpretations. Rulemaking authority for the FCRA now resides with
the CFPB. |
Electronic Banking |
|
FFIEC Guidance on Electronic Financial
Services and Consumer Compliance ![]() ![]() |
Guide to compliance issues for electronic banking |
Servicemembers Civil Relief Act (SCRA) |
|
DOJ Servicemembers Civil Relief Act
Page ![]() |
Collection of SCRA resources |
Department of Defense ![]() |
Site to verify military enrollment |
Servicemembers Civil Relief ![]() |
Text of the SCRA, 50 U.S.C. App. §§501-597b (Office of the Law Revision Counsel of the U.S. House of Representatives) |
SCRA
Examination ![]() |
Revised SCRA examination procedures |
Unfair, Deceptive, or Abusive Acts and Practices (UDAAP) |
|
Unfair or Deceptive Acts or Practices by State-Chartered Banks ![]() ![]() |
UDAP guidance from the Board and the FDIC (2004) |
UDAP
examination ![]() ![]() |
The Board’s UDAP examination procedures |
FTC policy statement on deception ![]() |
The FTC’s view of the meaning of UDAP deception |
FTC policy statement on unfairness ![]() |
The FTC’s view of the meaning of UDAP unfairness |
UDAAP
under §1031 of Dodd-Frank Act ![]() ![]() |
The CFPB’s authority to prohibit unfair, deceptive, and abusive acts or practices (codified at 12 U.S.C. §5531) |