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Consumer Compliance Examination Manual

Consumer Compliance Examination Manual

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.

Consolidated Compliance Manual 18Mb (Last Updated: 06/2024) PDF Help

Please note that several sections have been recently updated.

All files are PDF format unless otherwise indicated.

ContentsLast Updated
IManual Introduction11/2023
 I-1.1Manual Introduction05/2023
 I-2.1Abbreviations11/2023
IIConsumer Compliance Examinations
 II-1.1Overview of Consumer Compliance Examinations12/2022
 II-2.1Evaluating Impact of Consumer Harm06/2019
 II-3.1Compliance Management System06/2019
 II-4.1Pre-Examination Planning11/2023
 II-5.1Review and Analysis11/2023
 II-6.1Communicating Findings03/2024
 II-7.1Documenting the Examination11/2023
 II-8.1Investigations and Visitations11/2023
 II-9.1Enforcement Actions11/2023
 II-10.1Truth in Lending (TIL) Restitution Verification09/2015
 II-11.1Appeals06/2019
 II-12.1Examination and Visitation Frequency05/2023
 II-13.1Consumer Compliance Rating System03/2017
 II-14.1Violation Codes06/2024
 II-15.1Complex Bank Supervision Program12/2022
IIIExamination Templates
 III-1.1Sample Letter for Pre-Examination Information Packet12/2022
 III-2.1Bank of Anytown06/2022
IVFair Lending Laws and Regulations
 IV-1.1Fair Lending Laws and Regulations03/2021
 IV-2.1Appendices12/2012
 IV-3.1FDIC Fair Lending Scope and Conclusions Memorandum01/2024
 IV-4.1References09/2015
VConsumer Compliance Lending Issues
 V-1.1Truth in Lending Act (TILA)06/2024
 V-2.1Determining Whether TIL Restitution is Required11/2023
 V-3.1Real Estate Settlement Procedures Act (RESPA)05/2018
 V-4.1Homeownership Counseling Act09/2015
 V-5.1Homeowners Protection Act09/2015
 V-6.1Flood Disaster Protection11/2023
 V-7.1Equal Credit Opportunity Act (ECOA)03/2022
 V-8.1Fair Housing Act (FHA)07/2021
 V-9.1Home Mortgage Disclosure Act (HMDA)07/2021
 V-10.1Consumer Leasing03/2022
 V-11.1Service Members Civil Relief Act of 200312/2020
 V-12.1Talent Amendment09/2016
 V-13.1Military Lending Act09/2016
 V-14.1Overdraft Payment Programs11/2022
 V-15.1Secure and Fair Enforcement of Mortgage Licensing Act (SAFE Act)09/2015
 V-16.1Protecting Tenants at Foreclosure Act of 200906/2019
 V-17.1Small-Dollar Lending04/2023
VIConsumer Compliance Depository Issues
 VI-1.1Expedited Funds Availability Act03/2024
 VI-2.1Electronic Fund Transfer Act05/2022
 VI-3.1Truth in Savings05/2023
 VI-4.1Garnishment of Accounts Containing Federal Benefit Payments09/2016
VIIUnfair and Deceptive Practices
 VII-1.1Unfair, Deceptive, and Abusive Practices - Federal Trade Commission Act/Dodd-Frank Act06/2022
 VII-2.1FTC Rule – Preservation of Claims and Defenses03/2024
 VII-3.1Fair Debt Collection Practices Act09/2023
 VII-4.1Third Party Risk06/2019
VIIIPrivacy and Consumer Information
 VIII-1.1Gramm-Leach-Bliley Act (Privacy of Consumer Financial Information)04/2021
 VIII-2.1Children’s Online Privacy Protection Act (COPPA)01/2014
 VIII-3.1Right to Financial Privacy Act06/2006
 VIII-4.1Controlling the Assault of Non-Solicited Pornography and Marketing Act of 200301/2014
 VIII-5.1Telephone Consumer Protection Act08/2022
 VIII-6.1Fair Credit Reporting Act09/2015
IXRetail Sales
 IX-1.1Retail Investment Sales11/2015
 IX-2.1Retail Insurance Sales11/2023
XOther Consumer Compliance Issues
 X-1.1Advertisement of Membership-Part 328 of FDIC Rules and Regulations05/2023
 X-2.1Section 42 of the Federal Deposit Insurance (FDI) Act — Branch Closings06/2013
 X-3.1The Electronic Signatures in Global and National Commerce Act (E-Sign Act)01/2014
 X-4.1Prohibition Against Use of Interstate Branches Primarily for Deposit Production09/2015
 X-5.1Bank Subsidiaries and Affiliates11/2023
 X-6.1Disclosure Requirements for Sweep Accounts12/2019
XICommunity Reinvestment Act
 XI-1.1Community Reinvestment Act06/2024
 XI-2.1Small Bank09/2015
 XI-3.1Intermediate Small Bank09/2015
 XI-4.1Large Bank09/2015
 XI-5.1Wholesale/Limited Purpose Institution03/2022
 XI-6.1Institutions with Strategic Plans09/2015
 XI-7.1CRA Ratings System06/2006
 XI-8.1CRA Sunshine – Disclosure and Reporting of CRA-Related Agreements01/2014
 XI-9.1Community Contacts06/2006
 XI-10.1Full and Limited Scope CRA Assessment Areas05/2017
 XI-11.1Sampling Guidelines CRA03/2019
 XI-12.1Interagency Questions and Answers Regarding Community Reinvestment07/2016
 XI-13.1References02/2021
XIICRA Performance Evaluation Templates
 XII-1.1Small Bank Single-Rated Area05/2020
 XII-2.1Small Bank Multi-Rated Area05/2020
 XII-3.1Intermediate Small Bank Single-Rated Area05/2020
 XII-4.1Intermediate Small Bank Multi-Rated Area05/2020
 XII-5.1Large Bank Single-Rated Area05/2020
 XII-6.1Large Bank Multi-Rated Area05/2020
 XII-7.1Strategic Plan05/2020
 XII-8.1Wholesale and Limited Purpose05/2020

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.

Last Updated: August 13, 2024