Compliance Examination Manual

Consolidated Compliance Manual - PDF 16Mb (Last Updated: 09/2016)

Bank of Anytown files - Zip of Word Documents

The FDIC's Compliance Examination Manual (Manual) is revised on an on-going basis as rules, regulations, policies and procedures change. The most recent revision date for each section is indicated here on the website as well as in the footer of each page.

Please note that several sections have been recently updated.

All files are PDF format unless otherwise indicated.

			Last Updated
I	Manual Introduction		09/2016
	I-1.1	Manual Introduction	09/2015
	I-2.1	Abbreviations	09/2015
II	Compliance Examinations
	II-1.1	Overview of Compliance Examinations	12/2015
	II-2.1	Evaluating Consumer Harm	11/2015
	II-3.1	Compliance Management System	09/2015
	II-4.1	Pre-Exam Planning	11/2015
	II-5.1	Review and Analysis	12/2015
	II-6.1	Communicating Findings	11/2015
	II-7.1	Documenting the Examination	12/2015
	II-8.1	Investigations and Visitations	09/2015
	II-9.1	Enforcement Actions	03/2016
	II-10.1	Truth in Lending (TIL) Restitution Verification	09/2015
	II-11.1	Appeals	09/2015
	II-12.1	Examination and Visitation Frequency	04/2016
	II-13.1	Consumer Compliance Rating System	06/2006
	II-14.1	SOURCE Violation Codes	10/2015
III	Examination Templates
	III-1.1	Pre-Examination Information Packet	11/2015
	III-2.1	Bank of Anytown (ZIP of Word documents)	03/2016
	III-3.1	Assessment of Risk of Consumer Harm (Word)	09/2016
IV	Fair Lending Laws and Regulations
	IV-1.1	Fair Lending Laws and Regulations	09/2015
	IV-2.1	Appendices	12/2012
	IV-3.1	Fair Lending Scope and Conclusions Memorandum (Word)	02/2015
	IV-4.1	References	09/2015
V	Compliance Lending Issues
	V-1.1	Truth in Lending Act	11/2015
	V-2.1	Determining Whether TIL Restitution is Required	09/2015
	V-3.1	Real Estate Settlement Procedures Act (RESPA)	09/2015
	V-4.1	Homeownership Counseling Act	09/2015
	V-5.1	Homeowners Protection Act	09/2015
	V-6.1	Flood Insurance	04/2016
	V-7.1	Equal Credit Opportunity Act (ECOA) Regulation	09/2015
	V-8.1	Fair Housing Act (FHAct)	09/2015
	V-9.1	Home Mortgage Disclosure Act	12/2015
	V-10.1	Consumer Leasing	09/2015
	V-11.1	Servicemembers Civil Relief Act	03/2016
	V-12.1	Talent Amendment	09/2016
	V-13.1	Military Lending Act	09/2016
	V-14.1	Overdraft Payment Programs	09/2015
	V-15.1	Secure and Fair Enforcement for Mortgage Licensing Act	09/2015
VI	Compliance Depository Issues
	VI-1.1	Expedited Funds Availability Act	09/2015
	VI-2.1	Electronic Fund Transfer Act	02/2014
	VI-3.1	Truth in Savings Act	09/2015
	VI-4.1	Garnishment of Accounts Containing Federal Benefits	09/2016
VII	Unfair and Deceptive Practices
	VII-1.1	Federal Trade Commission Act, Section 5 Unfair or Deceptive Acts or Practices	11/2015
	VII-2.1	FTC Rule - Preservation of Claims and Defenses	09/2015
	VII-3.1	Fair Debt Collection Practices	01/2014
	VII-4.1	Third Party Risk	09/2015
VIII	Privacy and Consumer Information
	VIII-1.1	Gramm-Leach-Bliley Act (Privacy of Consumer Financial Information)	06/2016
	VIII-2.1	Children's Online Privacy Protection Act (COPPA)	01/2014
	VIII-3.1	Right to Financial Privacy Act	06/2006
	VIII-4.1	Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003	01/2014
	VIII-5.1	Telephone Consumer Protection Act	03/2016
	VIII-6.1	Fair Credit Reporting Act	09/2015
IX	Retail Sales
	IX-1.1	Retail Investment Sales	11/2015
	IX-2.1	Retail Insurance Sales	09/2016
X	Other Compliance Issues
	X-1.1	Advertisement of Membership-Part 328 of FDIC Rules and Regulations	09/2015
	X-2.1	Section 42 of the Federal Deposit Insurance (FDI) Act-Branch Closings	06/2013
	X-3.1	The Electronic Signatures in Global and National Commerce Act (E-Sign Act)	01/2014
	X-4.1	Prohibition Against Use of Interstate Branches Primarily for Deposit Production	09/2015
	X-5.1	Bank Subsidiaries and Affiliates	01/2014
XI	Community Reinvestment Act
	XI-1.1	Community Reinvestment Act	01/2016
	XI-2.1	Small Bank	09/2015
	XI-3.1	Intermediate Small Bank	09/2015
	XI-4.1	Large Bank	09/2015
	XI-5.1	Wholesale/Limited Purpose Institution	09/2015
	XI-6.1	Institutions with Strategic Plans	09/2015
	XI-7.1	CRA Ratings System	06/2006
	XI-8.1	CRA Sunshine - Disclosure and Reporting of CRA-Related Agreements	01/2014
	XI-9.1	Community Contacts	06/2015
	XI-10.1	Sampling Guidelines CRA	09/2015
	XI-11.1	Interagency Questions and Answers Regarding Community Reinvestment	07/2016
	XI-12.1	CRA References	09/2015
XII	Community Reinvestment Act Performance Evaluation Templates
	XII-1.1	Small Institution	03/2016
	XII-2.1	Intermediate Small Institution	03/2016
	XII-3.1	Large Institution	03/2016
	XII-4.1	Strategic Plan	03/2016
	XII-5.1	Wholesale and Limited Purpose	03/2016

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The Federal Deposit Insurance Corporation (FDIC) has taken reasonable measures to ensure that the information and data presented in the Compliance Examination Manual (Manual) is accurate and current. However, the FDIC makes no express or implied warranty regarding such information or data, and hereby expressly disclaims all legal liability and responsibility to persons or entities that use or access this Manual and its content, based on their reliance on any information or data that is available through this website.

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