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Home > Regulation & Examinations > Resources for Bank Officers & Directors > Predatory Lending Resources

Predatory Lending Resources

The FDIC addresses the problem of predatory lending by taking supervisory action, by encouraging and assisting banks to serve all sectors of their community, and by providing consumers with information to help make informed financial decisions. The following guidance and information should be consulted for additional details about matters discussed in the FDIC's January 22, 2007, Supervisory Policy on Predatory Lending.

Supervision Information
Community Reinvestment/Community Affairs Information
Consumer Information

  • Interagency Guidance on Nontraditional Mortgage Product Risks, and Addendum to Credit Risk Management Guidance for Home Equity Lending FIL-89-2006 , October 5, 2006.
  • Home Equity Lending Credit Risk Management Guidance FIL-45-2005 , May 24, 2005.
  • Payday Lending Programs Revised Examination Guidance FIL-14-2005 , March 1, 2005.
  • Overdraft Protection Programs Joint Agency Guidance FIL-11-2005 , February 18, 2005.
  • Unfair or Deceptive Acts or Practices Under Section 5 of the Federal Trade Commission Act
    FIL-26-2004 , March 11, 2004.
  • >Unfair or Deceptive Acts or Practices: Applicability of the Federal Trade Commission Act
    FIL-57-2002 , May 30, 2002.
  • Expanded Guidance for Evaluationg Subprime Lending Programs FIL-9-2001 , January 31, 2001.
  • Uniform Retail Credit Classification and Account Management Policy FIL-40-2000 , June 29, 2000.
  • Mortgage Loan Prequalifications FIL-35-96 (revised), July 3, 1996.
  • Credit Practices Rule/Regulation AA, 12 C.F.R. § 227 .
  • Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq.
  • FTC Rule on Preservation of Consumer Claims and Defenses, 16 C.F.R. § 433 .
  • Interagency Fair Lending Examination Procedures - PDF 289kb (PDF Help), August 19, 2004.
Community Reinvestment/Community Affairs
Consumer Information

Last Updated 04/25/2008 supervision@fdic.gov

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