Consumer Compliance Outlook > Resources
Consumer Compliance Resources
| Resource | Description |
|---|---|
Overall Consumer Compliance | |
Federal Reserve's Consumer Compliance Handbook   (1.8 MB, 494 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 |
Fair Lending and Equal Credit Opportunity Act (ECOA) — Regulation B | |
| Regulation B |
Regulation implements the Equal Credit Opportunity Act; 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. |
| Official Staff Commentary |
The Federal Reserve's official staff interpretations of Regulation B |
| Interagency Fair Lending Exam Procedures (200 KB, 46 pages) |
Procedures used for conducting fair lending examinations |
| Justice Department's Fair Lending Site |
Collection of fair housing and fair lending resources from the Justice Department |
| Fair Housing Act |
Text of the Fair Housing Act |
| HUD's Fair Housing Regulations |
HUD's regulations pertaining to the Fair Housing Act |
| Justice Department's Fair Housing Site |
Links to fair housing resources, including a listing of fair housing cases that Justice has filed and litigated |
| HUD's Fair Lending Page |
Collection of fair lending resources from HUD |
| Banker's Guide to Risk-Based Fair Lending Examinations |
Overview of the interagency fair lending examination procedures from the Federal Reserve Bank of Chicago |
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 |
| Official Staff Commentary Regulation C |
The Federal Reserve's official staff interpretations of Regulation C |
| FFIEC HMDA Resource Page |
Collection of HMDA resources |
| HMDA Getting It Right |
Guide to recording and reporting HMDA data |
| FFIEC Geo-Coding Page |
Web-based geo-coding system |
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 |
| Official Staff Commentary |
The Federal Reserve's official staff interpretations of Regulation E |
Flood Insurance — Regulation H | |
| Regulation H |
The Federal Reserve's flood insurance requirements for state member banks when making loans in flood hazard areas |
| FEMA's Mandatory Purchase of Flood Insurance Guidelines |
FEMA requirements when purchasing 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 |
| National Flood Insurance Act of 1968 and Flood Disaster Protection Act of 1973 (447 KB, 101 pages) |
Text of the two flood insurance statutes |
| 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 |
| Official Staff Commentary |
The Federal Reserve's official staff interpretations of Regulation M |
Real Estate Settlement Procedures Act (RESPA) — Regulation X | |
| Regulation X |
HUD's regulation to protect homebuyers by mandating a good-faith estimate of mortgage costs and a breakdown of the actual costs (HUD-1) and prohibiting referral fees and kickbacks |
| HUD's RESPA Page |
Collection of RESPA resources |
Truth in Lending Act (TILA) — Regulation Z | |
| Regulation Z |
Regulation implements the Truth in Lending Act; requires creditors to make disclosures to consumers about the costs of borrowing and other aspects of consumer credit transactions |
| Official Staff Commentary |
The Federal Reserve's official staff interpretations of Regulation Z |
| OCC APR Calculator |
Software to verify annual percentage rates |
Community Reinvestment Act (CRA) — Regulation BB | |
| Regulation BB |
Regulation implements the Community Reinvestment Act; provides guidance to banks about how CRA examiners will assess their activities under the Community Reinvestment Act |
| FFIEC CRA Resource Page |
Collection of CRA resources |
| CRA Interagency Questions & Answers |
Frequently asked questions about the Community Reinvestment Act |
| CRA Examinations |
Collection of resources for CRA examinations from the FFIEC |
| Banker's Quick Reference Guide to CRA (115 KB, 15 pages) |
A guide to CRA regulation and examination procedures from the Federal Reserve Bank of Dallas |
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 |
| Official Staff Commentary |
The Federal Reserve's official staff interpretations of Regulation CC |
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 |
| Official Staff Commentary |
The Federal Reserve's official staff interpretations of Regulation DD |
| OCC APY Calculator |
Software to verify annual percentage yields |
Payment Cards Center | |
| Payment Cards Center | Collection of resources for payment cards issues |
Fair Credit Reporting Act (FCRA) | |
| FTC Fair Credit Reporting Act Page |
Collection of FCRA resources |
Electronic Banking | |
| FFIEC Guidance on Electronic Financial Services and Consumer Compliance |
Guide to compliance issues for electronic banking |
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