FDIC Consolidated Resources

TILA Escrow Requirements
CFPB’s Escrow Requirements Webpage
– Summary of the Rule
– Small Entity Compliance Guide
– The Rule and Official Interpretation
CFPB’s YouTube Video on Escrow Requirements
CFPB’s Interim TILA Examination Procedures
2013 List of Rural and Underserved Counties
FDIC’s National Banker Teleconference (5/2/13)

TILA Loan Originator Compensation
CFPB’s Loan Originator Compensation Webpage
– Summary of the Rule
– Small Entity Compliance Guide
– The Rule and Official Interpretation
CFPB’s YouTube Video on Loan Originator Compensation
CFPB’s Interim TILA Examination Procedures
FDIC’s National Banker Teleconference (5/2/13)
FDIC’s National Banker Teleconference (6/6/13)

Ability-to-Repay and Qualified Mortgages
CFPB’s Ability-to-Repay/Qualified Mortgages Webpage
– Summary of the Rule
– Small Entity Compliance Guide
– ATR/QM Comparison Chart
– The Rule and Official Interpretation
CFPB’s YouTube Video on ATR/QM
CFPB’s Interim TILA Examination Procedures
FDIC’s National Banker Teleconference (5/2/13)

High-Cost Mortgages
CFPB’s High-Cost Mortgages Webpage
– Summary of the Rule
– Small Entity Compliance Guide
– The Rule and Official Interpretation
CFPB’s YouTube Video on 2013 HOEPA Rule
FDIC’s National Banker Teleconference (6/6/13)

Mortgage Servicing Rules
CFPB’s Mortgage Servicing Rules Webpage
– Summary of the Rule
– Small Entity Compliance Guide
– Quick Reference Chart
– RESPA and TILA Rules and Official Interpretation
CFPB’s YouTube Video on Mortgage Servicing Rules
FDIC’s National Banker Teleconference (5/15/13)

ECOA Valuations Rule
CFPB’s ECOA Valuations Rule Webpage
– Summary of the Rule
– Small Entity Compliance Guide
– The Rule and Official Interpretation
CFPB’s YouTube Video on Appraisal Rules
CFPB’s Interim ECOA Examination Procedures

TILA Appraisal Rule
CFPB’s Appraisals for Higher-Priced Mortgages Webpage
– Summary of the Rule
– Small Entity Compliance Guide
– The Rule and Official Interpretation
CFPB’s YouTube Video on Appraisal Rules
CFPB’s Interim TILA Examination Procedures
Financial Institution Letter: Appraisal Requirements for Higher-Priced Loans (FIL-11-2013)
APOR Rate Spread Calculator

Managing Third-Party Relationships
Financial Institution Letters: Third-Party Risk: Guidance for Managing Third-Party Risk (FIL-44-2008)
FDIC’s Third-Party Risk Examination Procedures
FDIC Supervisory Insights: Third-Party Arrangements: Elevating Risk Awareness

Servicemembers Civil Relief Act
Official SCRA Website (DoD)
Compliance Manual – Servicemembers Civil Relief Act
Servicemembers Civil Relief Act
Mortgage Servicing Practices Concerning Military Homeowners with PCS Orders
Compliance Requirements for SCRA (FRB’s Consumer Compliance Outlook 2Q11)
The Next Front: Student Loan Servicing and the Cost to Our Men and Women in Uniform

Unfair and Deceptive Acts and Practices
• Financial Institution Letters:
Applicability of the Federal Trade Commission Act (FIL-57-2002)
UDAP Under Section 5 of the Federal Trade Commission Act (FIL-26-2004)
• FDIC Supervisory Insight Articles
From the Examiner’s Desk: Unfair and Deceptive Acts and Practices: Recent FDIC Experience (Winter 2008)
High Yield Checking Accounts: Know the Rules (Winter 2012)
Chasing the Asterisk: A Field Guide to Caveats, Exceptions, Material Misrepresentations, and Other Unfair or Deceptive Acts or Practices   (Winter 2006) 
FDIC’s UDAP Examination Procedures
• FTC Websites
http://www.ftc.gov/bcp/policystmt/ad-unfair.htm
http://www.ftc.gov/bcp/policystmt/ad-decept.htm
FTC’s Dot Com Disclosures: Information About Online Advertising

Fair Lending
• Fair Lending Examination Procedures
http://www.ffiec.gov/PDF/fairlend.pdf
http://www.ffiec.gov/PDF/fairappx.pdf
Policy Statement on Discrimination in Lending
DOJ Fair Lending Cases
CFPB website

New Violation Classification System
• Financial Institution Letters
New Classification System for Citing Violations in Reports of Examination (FIL-41-2012)

Community Reinvestment Act
• Financial Institution Letters
Revisions to Interagency Questions and Answers (FIL-9-2010)
Joint Final Rule (FIL-65-2010)
Neighborhood Stabilization Program (FIL-92-2010)
Consideration for Gulf Coast Disaster Area Activities (FIL-9-2012)

Bank Secrecy Act
• Financial Institution Letters
Bank Secrecy Act Interagency Guidance on Beneficial Ownership (FIL-10-008)
Payment Processor Relationships Revised Guidance (FIL-12-003)
Guidance on Payment Processor Relationships (FIL-08-127¬)
Guidance for Managing Third-Party Risk (FIL-08-044)
• FDIC Supervisory Insight Articles
Managing Risks in Third-Party Payment Processor Relationships

Provided by the FDIC, July of 2013 

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