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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

Compliance Examination Manual

Complete Manual - ZIP 19.3 MB (ZIP help)

Manual Updates for 2014 - Zip 12.5 MB

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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.

This printable (PDF) version is designed to be printed on two sides and on three-hole punched paper. Each holder of the Manual will be responsible for printing and updating their own hard copy which will allow for more timely updates. Unless specified, each section is less than 250kb.

 

  Last Updated
I Manual Introduction 06/2009
II Compliance Examinations
  II-1.1 Overview of Compliance Examinations 06/2014
  II-2.1 Evaluating Consumer Harm 06/2014
  II-3.1 Compliance Management System 01/2014
  II-4.1 Pre-Exam Planning 06/2014
  II-5.1 Review and Analysis 06/2014
  II-6.1 Communicating Findings 06/2014
  II-7.1 Documenting the Examination 06/2014
  II-8.1 Investigations and Visitations 01/2014
  II-9.1 Enforcement Actions 01/2014
  II-10.1 Truth in Lending (TIL) Restitution Verification 01/2014
  II-11.1 Appeals 01/2014
  II-12.1 Examination and Visitation Frequency 12/2013
  II-13.1 Consumer Compliance Rating System 06/2006
  II-14.1 SOURCE Violation Codes 01/2014
III Examination Templates
  III-1.1 Pre-Examination Information Packet 06/2014
  III-2.1 Risk Profile and Scope Memorandum (PDF) (Word) 06/2014
  III-3.1 Bank of Anytown (PDF) (Word) 12/2012
IV Fair Lending Laws and Regulations
  IV-1.1 Fair Lending Laws and Regulations 01/2014
  IV-2.1 Appendices 12/2012
  IV-3.1 Fair Lending Scope and Conclusions Memorandum(PDF) (Word) 06/2014
  IV-4.1 References 01/2014
V Compliance Lending Issues
  V-1.1 Truth in Lending Act (7.6mb) 03/2014
  V-2.1 Determining Whether TIL Restitution is Required 01/2014
  V-3.1 Real Estate Settlement Procedures Act (RESPA) 01/2014
  V-4.1 Homeownership Counseling Act 01/2014
  V-5.1 Homeowners Protection Act 01/2014
  V-6.1 Flood Insurance 01/2014
  V-7.1 Equal Credit Opportunity Act (ECOA) Regulation 01/2014
  V-8.1 Fair Housing Act (FHAct) 01/2014
  V-9.1 Home Mortgage Disclosure Act 01/2014
  V-10.1 Consumer Leasing 01/2014
  V-11.1 Servicemembers Civil Relief Act 06/2009
  V-12.1 Talent Amendment 01/2014
  V-13.1 Overdraft Payment Programs 01/2014
  V-14.1 Secure and Fair Enforcement for Mortgage Licensing Act 01/2014
VI Compliance Depository Issues
  VI-1.1 Expedited Funds Availability Act 01/2014
  VI-2.1 Electronic Fund Transfer Act 02/2014
  VI-3.1 Truth in Savings Act (834k) 01/2014
  VI-4.1 Garnishment of Accounts Containing Federal Benefits 01/2014
VII Abusive Practices
  VII-1.1 Federal Trade Commission Act, Section 5 Unfair or Deceptive Acts or Practices 06/2014
  VII-2.1 FTC Rule - Preservation of Claims and Defenses 05/2014
  VII-3.1 Fair Debt Collection Practices 01/2014
  VII-4.1 Third Party Risk 01/2014
VIII Privacy and Consumer Information
  VIII-1.1 Gramm-Leach-Bliley Act (Privacy of Consumer Financial Information) (377k) 01/2014
  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 01/2014
  VIII-6.1 Fair Credit Reporting Act 01/2014
IX Retail Sales
  IX-1.1 Retail Investment Sales 01/2014
  IX-2.1 Retail Insurance Sales 01/2014
X Other Compliance Issues
  X-1.1 Advertisement of Membership-Part 328 of FDIC Rules and Regulations 01/2014
  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 01/2014
  X-5.1 Bank Subsidiaries and Affiliates 01/2014
XI Community Reinvestment Act
  XI-1.1 Community Reinvestment Act 01/2014
  XI-1.1 Small Bank 01/2014
  XI-2.1 Intermediate Small Bank 01/2014
  XI-3.1 Large Bank 04/2014
  XI-4.1 Wholesale/Limited Purpose Institution 06/2006
  XI-5.1 Institutions with Strategic Plans 06/2006
  XI-6.1 CRA Ratings System 06/2006
  XI-7.1 CRA Sunshine - Disclosure and Reporting of CRA-Related Agreements 01/2014
  XI-8.1 Community Contacts 06/2006
  XI-9.1 Sampling Guidelines CRA 06/2006
  XI-10.1 Interagency Questions and Answers Regarding Community Reinvestment 05/2014
  XI-11.1 CRA References 01/2014
XII Community Reinvestment Act Performance Evaluation Templates
  XII-1.1 Small Institution 06/2006
  XII-2.1 Intermediate Small Institution, Intrastate 06/2006
  XII-3.1 Intermediate Small Institution, Interstate 06/2006
  XII-4.1 Large Institution 06/2006
  XII-5.1 Strategic Plan 06/2006
  XII-6.1 Wholesale and Limited Purpose 06/2006

Disclaimer: 

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.

The information available in this Manual is not intended to constitute and should not be considered as legal advice, nor is it intended to substitute for obtaining legal advice from competent, independent, legal counsel in the relevant jurisdiction. Transmission and receipt of this information is not intended to create and does not constitute an attorney-client relationship. This website does not purport to authoritatively interpret current federal statutes, regulations, orders or other federal authority, nor does it bind the FDIC or any other federal agency or entity with regard to the matters presented.

The content of this website is not designed or intended to provide authoritative financial, accounting, investment, or other professional advice which may be reasonably relied on by its readers. If expert assistance in this area is required, the services of a qualified professional should be sought.

This general disclaimer is in addition to, and not in lieu of, any other disclaimers found on pages, applications or programs within this site. In addition, the terms of this disclaimer extend to the FDIC, its directors, officers, and employees.