The Consumer Compliance Examination Manual is a primary resource and reference tool for FDIC compliance examination staff to use in support of conducting Consumer Compliance and Community Reinvestment Act examinations and other supervisory activities. The Manual incorporates examination policies, procedures, and guidance and is available on the FDIC website as a resource for FDIC staff, bankers, and other members of the public. The Manual is updated on an ongoing basis as compliance examination procedures and supervisory expectations are revised or updated. FDIC staff and the public can sign up through the FDIC subscription service to receive alerts when the Manual is revised or updated. The most recent update date for each section is indicated on the webpage as well as in the footer of each section.
Please note that several sections have been recently updated.
All files are PDF format unless otherwise indicated.
| Contents | Last Updated | ||
|---|---|---|---|
| I | Manual Introduction | 11/2023 | |
| I-1.1 | Manual Introduction | 05/2023 | |
| I-2.1 | Abbreviations | 11/2023 | |
| II | Consumer Compliance Examinations | ||
| II-1.1 | Overview of Consumer Compliance Examinations | 12/2022 | |
| II-2.1 | Evaluating Impact of Consumer Harm | 06/2019 | |
| II-3.1 | Compliance Management System | 06/2019 | |
| II-4.1 | Pre-Examination Planning | 11/2023 | |
| II-5.1 | Review and Analysis | 11/2023 | |
| II-6.1 | Communicating Findings | 03/2024 | |
| II-7.1 | Documenting the Examination | 11/2023 | |
| II-8.1 | Investigations and Visitations | 11/2023 | |
| II-9.1 | Enforcement Actions | 11/2023 | |
| II-10.1 | Truth in Lending (TIL) Restitution Verification | 09/2015 | |
| II-11.1 | Appeals | 06/2019 | |
| II-12.1 | Examination and Visitation Frequency | 05/2023 | |
| II-13.1 | Consumer Compliance Rating System | 03/2017 | |
| II-14.1 | Violation Codes | 06/2024 | |
| II-15.1 | Complex Bank Supervision Program | 12/2022 | |
| III | Examination Templates | ||
| III-1.1 | Sample Letter for Pre-Examination Information Packet | 12/2022 | |
| III-2.1 | Bank of Anytown | 06/2022 | |
| IV | Fair Lending Laws and Regulations | ||
| IV-1.1 | Fair Lending Laws and Regulations | 03/2021 | |
| IV-2.1 | Appendices | 12/2012 | |
| IV-3.1 | FDIC Fair Lending Scope and Conclusions Memorandum | 01/2024 | |
| IV-4.1 | References | 09/2015 | |
| V | Consumer Compliance Lending Issues | ||
| V-1.1 | Truth in Lending Act (TILA) | 06/2024 | |
| V-2.1 | Determining Whether TIL Restitution is Required | 11/2023 | |
| V-3.1 | Real Estate Settlement Procedures Act (RESPA) | 05/2018 | |
| V-4.1 | Homeownership Counseling Act | 09/2015 | |
| V-5.1 | Homeowners Protection Act | 09/2015 | |
| V-6.1 | Flood Disaster Protection | 11/2023 | |
| V-7.1 | Equal Credit Opportunity Act (ECOA) | 03/2022 | |
| V-8.1 | Fair Housing Act (FHA) | 07/2021 | |
| V-9.1 | Home Mortgage Disclosure Act (HMDA) | 07/2021 | |
| V-10.1 | Consumer Leasing | 03/2022 | |
| V-11.1 | Service Members Civil Relief Act of 2003 | 12/2020 | |
| V-12.1 | Talent Amendment | 09/2016 | |
| V-13.1 | Military Lending Act | 09/2016 | |
| V-14.1 | Overdraft Payment Programs | 11/2022 | |
| V-15.1 | Secure and Fair Enforcement of Mortgage Licensing Act (SAFE Act) | 09/2015 | |
| V-16.1 | Protecting Tenants at Foreclosure Act of 2009 | 06/2019 | |
| V-17.1 | Small-Dollar Lending | 04/2023 | |
| VI | Consumer Compliance Depository Issues | ||
| VI-1.1 | Expedited Funds Availability Act | 03/2024 | |
| VI-2.1 | Electronic Fund Transfer Act | 05/2022 | |
| VI-3.1 | Truth in Savings | 05/2023 | |
| VI-4.1 | Garnishment of Accounts Containing Federal Benefit Payments | 09/2016 | |
| VII | Unfair and Deceptive Practices | ||
| VII-1.1 | Unfair, Deceptive, and Abusive Practices - Federal Trade Commission Act/Dodd-Frank Act | 06/2022 | |
| VII-2.1 | FTC Rule – Preservation of Claims and Defenses | 03/2024 | |
| VII-3.1 | Fair Debt Collection Practices Act | 09/2023 | |
| VII-4.1 | Third Party Risk | 06/2019 | |
| VIII | Privacy and Consumer Information | ||
| VIII-1.1 | Gramm-Leach-Bliley Act (Privacy of Consumer Financial Information) | 04/2021 | |
| 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 | 08/2022 | |
| 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 | 11/2023 | |
| X | Other Consumer Compliance Issues | ||
| X-1.1 | Advertisement of Membership-Part 328 of FDIC Rules and Regulations | 05/2023 | |
| 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 | 11/2023 | |
| X-6.1 | Disclosure Requirements for Sweep Accounts | 12/2019 | |
| XI | Community Reinvestment Act | ||
| XI-1.1 | Community Reinvestment Act | 06/2024 | |
| 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 | 03/2022 | |
| 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 | 06/2006 | |
| XI-10.1 | Full and Limited Scope CRA Assessment Areas | 05/2017 | |
| XI-11.1 | Sampling Guidelines CRA | 03/2019 | |
| XI-12.1 | Interagency Questions and Answers Regarding Community Reinvestment | 07/2016 | |
| XI-13.1 | References | 02/2021 | |
| XII | CRA Performance Evaluation Templates | ||
| XII-1.1 | Small Bank Single-Rated Area | 05/2020 | |
| XII-2.1 | Small Bank Multi-Rated Area | 05/2020 | |
| XII-3.1 | Intermediate Small Bank Single-Rated Area | 05/2020 | |
| XII-4.1 | Intermediate Small Bank Multi-Rated Area | 05/2020 | |
| XII-5.1 | Large Bank Single-Rated Area | 05/2020 | |
| XII-6.1 | Large Bank Multi-Rated Area | 05/2020 | |
| XII-7.1 | Strategic Plan | 05/2020 | |
| XII-8.1 | Wholesale and Limited Purpose | 05/2020 | |
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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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Last Updated: August 13, 2024