FDIC Consolidated Resources

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