Office of Thrift Supervision

Guidance and Policy Statements

Nontraditional Mortgage Products

Bank Secrecy Act

• Interagency Statement on Enforcement of BSA AML Requirement
  480976.pdf (409.2 KBs)

Identity Theft

 

Federal Financial Institutions Examination Council (FFIEC)

• Interagency Statement on the Regulatory Capital Impact of Losses on Fannie Mae and Freddie Mac Preferred Stock
  481135.pdf (74.3 KBs)
• Statement of Policy
  

  Supervisory Policy Statement on Investment Securities and End-User Derivatives Activities - 7 pages (04/23/1998) 56 KB

  4810765.pdf (54.5 KBs)
• Home Mortgage Disclosure Act (HMDA) Reporting
  

  FFIEC Post additional guidance for HMDA reporting

  480029.pdf (121.7 KBs)
• Notice of Final Interagency Policy Statement
  

  Allowance for Loan and Lease Losses (ALLL) Methodologies and Documentation for Banks and Savings Institutions

  48860.pdf (164.3 KBs)
• Proposed Policy Statement
  

  Allowance for Loan and Lease Losses (ALLL) Methodologies and Documentation for Banks and Savings Institutions - 9 pages (09/13/2000) 163 KB

  48444.pdf (159.2 KBs)
• Notice of Revised Policy Statement
  

  Assessment of Civil Money Penalties - 2 pages (06/03/1998) 57 KB

  481077.pdf (55.9 KBs)

Mortgage Banking

• Statement on Subprime Mortgage Lending - Final guidance
  480966.pdf (82.7 KBs)
• Interagency Advisory on Mortgage Banking
  

  7 pages (02/25/2003) 32 KB

  48922.pdf (31.1 KBs)

Basel

• Supervisory Guidance: Supervisory Review Process of Capital Adequacy (Pillar 2) Related to the Implementation of the Basel II Advanced Capital Framework - Final supervisory guidance (OTS-2008-0008) - 9 pages - 91 KB
  481114.pdf (88.6 KBs)
• Final Guidance on Supervisory Review Process (Pillar 2) Related to Implementation of Basel II Advanced Approaches Rule
  481108.pdf (88.0 KBs)
• Interagency Statement – U.S. Implementation of Basel II Advanced Approaches Framework
  481098.pdf (49.2 KBs)
• Internal Ratings
  

  Supervisory Guidance - Systems for Credit Risk, Advanced Measurement Approaches for Operational Risk, and the Supervisory Review Process (Pillar 2) Related to Basel II Implementation 111 pages (02/28/2007) 1,190 KB

  480931.pdf (1.1 MBs)

Other Guidance Topics

• Remote Deposit Capture
  481145.pdf (248.1 KBs)
• Home Equity Line of Credit Account Management Guidance
  481121.pdf (65.3 KBs)
• OTS Letter
  

  Home Valuation Code of Conduct

  4810841.pdf (33.2 KBs)
• Interagency Letter
  

  Home Valuation Code of Conduct

  481093.pdf (362.2 KBs)
• The Unsafe and Unsound Use of Limitation of Liability Provisions in External Audit Engagement Letters
  

  Interagency Advisory 9 pages (02/03/2006) 92 KB

  4802171.pdf (90.2 KBs)
• Discount Window Guidance
  

  Interagency Advisory - the use of the Federal Reserve's primary credit program in effective liquidity management 5 pages (07/23/2003) 24 KB

  480006.pdf (23.9 KBs)
• Operational Risk
  

  Supervisory Guidance - Advanced Measurements Approaches for Regulatory Capital 40 pages (07/11/2003) 117 KB

  480005.pdf (114.0 KBs)
• Account Management and Loss Allowance Guidance
  

  Credit Card Lending - 6 pages (01/08/2003) 27 KB

  48917.pdf (26.7 KBs)
• Limits on Disclosing Account Numbers
  

  Joint statement regarding Limits on Disclosing Account Numbers. 4 pages (06/08/2001) 180 KB

  48825.pdf (175.3 KBs)
• Accounting For Derivative Instruments And Hedging Activities
  

  Joint Release - Interim Regulatory Reporting and Capital Guidance on FAS133 6 pages (12/29/1998) 20 KB

  48058.pdf (19.1 KBs)