Consumer Compliance Outlook

Consumer Compliance Outlook > Resources

Consumer Compliance Resources

Consumer Financial Protection Bureau Dodd-Frank Act Electronic Banking Overall Compliance Payment Cards Reg B/ECOA Reg C/HMDA Reg E/EFTA Reg H/Flood Insurance

Reg M/CLA Reg V/FCRA Reg X/RESPA Reg Z/TILA Reg BB/CRA Reg CC/EFAA Reg DD/TISA Servicemembers Civil Relief Act Unfair, Deceptive, and Abusive Acts or Practices

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 Act	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 Regulations	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 Act	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 Act	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 Act	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 procedures	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 procedures	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)