The Compliance Examination Handbook (Handbook) is designed as a reference tool for Compliance examination staff to use when conducting Compliance and Community Reinvestment Act (CRA) examinations and other supervisory activities. The detailed procedures presented in the Handbook are not intended to replace sound judgment and discretion on the part of examination staff. Instead, the materials are designed to promote uniformity in the examination process and as a reference tool for examiners.

The Handbook is divided into 12 sections as described below and is organized so that information is presented based on regulation rather than process. The Handbook incorporates examination policies and procedures in effect as of June 2006. The Handbook begins with the risk focused, process oriented examination procedures (Section II) and sample templates to use during the examination (Section III). Sections IV through X cover specific rules and regulations divided into general topics. The Handbook concludes by covering the Community Reinvestment Act (CRA) examination (Section XI) and samples of the various performance evaluations (Section XII) to be used. Each Section of the Handbook is discussed below.

• I – Handbook Introduction – This section includes information on how to use the Handbook as well as a list of common abbreviations and an index of key topics.
• II – Compliance Examinations – This section covers the recently revised Compliance Examination process beginning with pre-examination planning through determining the rating. Also included is information on documenting examination findings, enforcement actions, appeals, visitations, and investigations. This section is new since the last manual update and is the most updated version (2005) of the risk-focused, process-oriented examination procedures.
• III – Compliance Examination Templates & Samples – This section provides sample forms and templates to be used during Compliance Examinations, including a model entry letter, a scoping memorandum, an interview sheet, and a Compliance Information Document Request. This section is new since the last manual update and includes the revisions made in June 2006.
• IV – Fair Lending Laws and Regulations – This section addresses the procedures for evaluating compliance with the Fair Lending provisions of Equal Credit Opportunity Act (ECOA) and the Fair Housing Act (FHAct). Examination procedures (2004) and checklists are included. Procedures for evaluating compliance with the technical, non-discriminatory provisions of ECOA and FHAct are covered in Section V.
• V – Compliance Lending Issues – This section covers lending related topics including Truth in Lending (2003), Real Estate Settlement Procedures (2004), Homeowners Counseling (2003), Homeowners Protection (2003), Flood Insurance (1996), Equal Credit Opportunity and Fair Housing checklists (2006), Home Mortgage Disclosures (2004), and Consumer Leasing (2001). Examination procedures and checklists are included.
• VI – Compliance Depository Issues – This section covers deposit function related topics including Electronic Funds including Check 21 (2003), Electronic Funds Transfers (2001), Truth in Savings (2006), and Interest on Deposits (1991). Examination procedures and checklists are included.
• VII – Abusive Practices – This section covers issues relating to abusive practices including Unfair and Deceptive Acts (2005), Credit Practices, Preservation of Claims of Consumer Claims and Defenses, and Fair Debt Collection (1997). Examination procedures and checklists are included.
• VIII – Privacy and Consumer Information – This section covers issues relating to privacy issues including Gramm-Leach-Bliley Privacy of Consumer Financial Information (2001), Children’s Online Privacy Protection (2000), Right to Financial Privacy (1989), Controlling the Assault of Non-Solicited Pornography and Marketing (2005), Telephone Consumer’s Protection (2005), and Fair Credit Reporting (2006). Examination procedures and checklists are included.
• IX – Retail Sales – This section covers retail sales to consumers for Investment and Insurance Sales (2005). This topic is often referred to as Nondeposit Products or NDP. Examination procedures and checklists are included.
• X – Other Compliance Issues – This section covers Compliance Examination related topics not included in the prior sections. Included are issues relating to Membership Advertising (1992), Branch Closings (1991), E-Sign (2001) and Interstate Branching (2003). Examination procedures and checklists are included.
• XI – Community Reinvestment Act (CRA) – This section covers CRA related examination procedures (2006) for all types and asset sizes of institutions as well as the CRA Sunshine Act. Examination procedures and checklists are included.
• XII – Community Reinvestment Act Performance Evaluation Templates – This section provides samples of Performance Evaluations (2006) for all sizes and types of institutions under CRA.

Abbreviations

ACH – Automated Clearing House

APR – Annual Percentage Rate

APY – Annual Percentage Yield

ARM – Adjustable Rate Mortgage

ATM – Automated Teller Machine

BOD – Board of Directors

BPMI – Borrower-Paid Private Mortgage Insurance

CAA – Community Action Agencies

CAN-SPAM – Controlling the Assault of Non-Solicited Pornography and Marketing Act

CDC – Community Development Corporation

CFR – Code of Federal Regulations

CIDR – Compliance Information and Disclosure Request

CLA – Consumer Leasing Act

CMP – Civil Money Penalty

CMS – Compliance Management System

COPPA – Children’s Online Privacy Protection Act

CRA – Community Reinvestment Act

DSC – Division of Supervision and Consumer Protection

DOJ – Department of Justice

E-Sign – Electronic Signatures in Global and National Commerce Act

EBT – Electronic Benefits Transfer

EC – Economic Community

ECOA – Equal Credit Opportunities Act

EDA – Economic Development Administration

EDC – Economic Development Corporation

EFTA – Electronic Funds Transfer Act

EFA – Expedited Funds Availability

EIC – Examiner-In-Charge

EZ – Empowerment Zone

FC – Finance Charge

FCC – Federal Communications Commission

FCRA – Fair Credit Reporting Act

FDCPA – Fair Debt Collection Practices Act FDPA – Flood Disaster Protection Act

FDC Act – Federal Deposit Insurance Act

FDIC – Federal Deposit Insurance Corporation

FEMA – Federal Emergency Management Act

FFIEC – Federal Financial Institution Examination Council

FHA – Federal Housing Administration

FHAct – Fair Housing Act

FHLB – Federal Home Loan Bank

FHLMC – Federal Home Loan Mortgage Company

FIAP – Formal and Informal Actions Procedures

FNMA – Federal National Mortgage Association

FO – Field Office

FOIA – Freedom of Information Act

FRB – Federal Reserve Board

FS – Field Supervisor a/k/a FOS – Field Office Supervisor

FTC – Federal Trade Commission

GENESYS – General Examination System

GFE – Good Faith Estimate

GLBA – Gramm-Leach-Bliley Act

GNMA – Government National Mortgage Association

HMDA – Home Mortgage Disclosure Act

HOCA – Homeowners Counseling Act

HOEPA – Home Ownership Equity Protection Act

HOPA – Homeowners Protection Act

HUD – Department of Housing and Urban Development

IAP – Institution Affiliated Party

IBBEA – Interstate Banking annd Branching Efficiency Act

IRA – Individual Retirement Account

IRS – Internal Revenue Service

LAR – Loan Application Register

LPMI – Lenderer-Paid Private Mortgage Insurance

LPO – Loan Production Office

LTD – Loan to Deposit Ratio

LTV – Loan to Value

MD – Metropolitan Division

MICR – Magnetic Ink Character Recognition

MMDA – Money Market Demand Account

MSA – Metropolitan Statistical Area

MSD – Material Supervisory Determination

NASD – National Association of Securities Dealers

NCUA – National Credit Union Administration

NDP – Non-Deposit Products

NFIP – National Flood Insurance Program

NGEP – Nongovernmental Entity or Person

NOW – Negotiable Order of Withdrawal

OCC – Office of the Comptroller of the Currency

OMBE – Office of Minority Enterprise

OTS – Office of Thrift Supervision

PCCD – Preservation of Consumers’ Claims and Defenses

PEP – Pre-Examination Planning

PMI – Private Mortgage Insurance

POS – Point of Sale

RE – Review Examiner

RESPA – Real Estate Settlement Procedures

RFPA – Right to Financial Privacy

RM – Risk Management

RO – Regional Office

ROE – Report of Examination

RPSM – Risk Profile Scope Memorandum

SARC – Supervisory Action Review Committee

SBA – Small Business Association

SBCD – Small Business Development Center

SBIC – Small Business Investment Corporation

SEC – Securities Exchange Commission

SFHA – Special Flood Hazard Area

SOURCE – System of Uniform Reporting of Compliance and CRA Examinations

SPCP – Special Purpose Credit Program

SSBIC – Specialized Small Business Investment Corporation

STARS – Specialized Tracking and Reporting Systems

TCPA – Telephone Consumer Protection Act

TILA – Truth in Lending Act

TISA – Truth in Savings Act

UBPR – Uniform Bank Performance Report

UDAP – Unfair or Deceptive Act or Practices

USC – United States Code

VA – Veteran’s Affairs

Index

A           A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Adverse Action
II-6.2, IV–1.3, IV-2.11, IV-2.19, VIII-6.2, VIII-6.5, VIII-6.8, VIII-6.13, VIII-6.17

Adverse Impact
IV–1.21, IV–1.22, IV-2.15, IV-2.23, IV-2.24

Advertisement
II-4.4, IV-2.3, V-8.2, V-10.2, V-10.3, V-10.8, VI-3.8, VI-3.9, VII–1.2, VII–1.3, VIII-4.1, VIII-4.2, VIII-4.3, VIII-4.5, VIII-5.1, VIII-5.3, VIII-5.5

Affiliate
II-4.1, IV–1.5, IV–1.7, IV–1.14, IV–1.15, VIII-6.1, VIII-6.3, VIII-6.7, VIII-6.8, VIII-6.10, VIII-6.11, VIII-6.17, VIII-6.25, XI-3.3, XI-7.3, XI-7.4, XI-7.5

Annual Percentage Rate
I-2.1, II-2.3, V-1.2, V-1.5, V-1.8, V-1.9, V-1.10, V-1.11, V-1.20, V-1.21, V-1.23, V-2.1, V-9.3, V-10.2, V-10.7
See also APR

Appeal
II-10.1

Application
I-2.2, II–1.1, II-2.3, II-3.1, II-5.5, IV–1.1, IV–1.2, IV–1.6, IV–1.7, IV–1.8, IV–1.10, IV–1.11, IV–1.12, IV–1.13, IV–1.16, IV–1.18, IV–1.20, IV-2.1, IV-2.2, IV-2.5, IV-2.6, IV-2.11, IV-2.13, IV-2.15, IV-2.16, IV-2.17, IV-2.19, IV-2.22, IV-2.23, IV-2.24, IV-2.27, V-1.5, V-1.7, V-1.10, V-1.12, V-1.21, V-1.24, V-1.25, V-1.26, V-1.27, V-1.32, V-2.1, V-3.2, V-3.3, V- 3.4, V-3.6, V-3.7, V-3.8, V-3.9, V-3.11, V-3.12, V-3.13, V-5.4, V-6.1, V-7.2, V-7.3, V-7.4, V-7.5, V-7.6, V-7.7, V-7.8, V-7.10, V-8.1, V-9.1, V-9.2, V-9.3, V-9.4, V-9.5, V-9.6, V-9.7, V-9.8, V-9.12, V-9.13, V-9.14, VI–2.7, VI-3.1, VII-4.4, VIII–1.2, VIII–1.6, VIII–1.15, VIII-5.1, VIII-6.2, VIII-6.7, VIII-6.8, VIII-6.9, VIII-6.15, VIII-6.16, VIII-6.23, IX–1.12, IX-2.3, IX-2.8, IX-2.9, IX-2.10, XI–1.1, XI-7.1, XI-8.10

APR
II-5.5, V-1.1, V-1.3, V-1.5, V-1.7, V-1.8, V-1.9, V-1.10, V-1.11, V-1.12, V-1.13, V-1.19, V-1.20, V-1.21, V-1.22, V-1.24, V-1.25, V-1.26, V-1.27, V-1.28, V-1.30, V-1.32, V-2.1, V-2.2, V-9.3, V-9.6, V-9.13
See also Annual Percentage Rate

Assessment Area
IV–1.4, IV–1.7, IV–1.17, IV–1.18, XI–1.2, XI–1.3, XI–1.7, XI-2.2, XI-2.3, XI-2.4, XI-3.2, XI-4.2, XI-8.2

Audit
II–1.1, II–1.2, II-2.1, II-2.2, II-2.4, II-4.2, II-4.4, II-4.5, II-4.8, II-5.3, II-5.4, II-6.1, II-12.1, II-12.2, IV–1.10, IV-2.9, IV-2.21, V-1.23, V-1.24, V-5.6, V-7.1, V-9.5, V-9.8, VI-1.17, VI-1.21, VIII–1.2, VIII–1.6, VIII–1.25, VIII-2.1, VIII-4.3, VIII-4.4, VIII-5.2, VIII-5.3, VIII-5.4, VIII-6.3, IX–1.4, IX–1.8, IX–1.20, IX-2.4, IX-2.11

B          A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Branch Closing
II-4.6, X-2.1

C          A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Check 21
I-1.1, VI-1.1, VI-1.20, VI-1.21, VI-1.22, VI-1.23

Children’s Online Privacy Protection Act
II-4.4, VIII-2.1
See also COPPA

CIDR
I-2.1, II-3.1, II-3.2, IX-2.2
See also Compliance Information and Disclosure Request

Civil Rights
II-12.1, XI-8.5

Closed-End Credit
V-1.3, V-1.5, V-1.10, V-1.23, V-1.24, V-1.27, V-1.29

CMS
II–1.2, II-4.1, II-4.2, II-4.3, II-4.4, II-4.8, II-5.3, II-6.1, II-6.2
See also Compliance Management System

Commercial Lending
IV–1.9, IV–1.10, IV–1.16, XI-7.2

Community Contact
IV–1.8, XI–1.2, XI-2.2, XI-3.2, XI-8.1, XI-8.6, XI-8.11

Community Reinvestment Act
II–1.1, II-5.2, II-5.4, V-9.2, VII–1.7, X-4.3, X-4.5, XI–1.1, XI-7.1, XI-7.6, XI-7.7
See also CRA

Complaint
II–1.1, II-2.2, II-2.3

Compliance Information and Disclosure Request
I-2.1, III-3.1
See also CIDR

Compliance Management System
I-2.1, II–1.1, II–1.2, II–1.3, II-2.1, II-4.1, II-4.2, II-4.3, II-4.4, II-4.5, II-4.6, II-4.7, II-5.1, II-5.2, II-5.3, II-5.4, IV–1.3, IV–1.13, V-1.23, V-10.2, VII–1.4, VIII–1.6, IX–1.2, IX–1.4, IX–1.8, IX-2.1, IX-2.4
See also CMS

Compliance Request Letter
II-3.1, II-3.2, II-4.1

Consultation
II-4.9, II-5.1, II-6.2, II-7.1, II-8.1, IV–1.17, IV-2.29, VII–1.1, VII–1.4, VII–1.7, VIII-3.1, X-4.5, XI-5.1

Consumer Complaint
II-2.3, II-4.7, II-4.8, II-5.1, VII–1.4

Consumer Leasing
I-1.1, I-2.1, II-4.4, V-iii, V-1.1, V-10.1, V-10.2, V-10.4, V-10.5, VI–2.18, VI-3.4, X-3.1

Consumer Leasing Act
I-2.1, V-1.1, V-10.1, V-10.2, V-10.4, VI–2.18, VI-3.4

Consumer Report
VII–1.5, VIII–1.25, VIII-6.1, VIII-6.2, VIII-6.5, VIII-6.6, VIII-6.7, VIII-6.8, VIII-6.10, VIII-6.13, VIII-6.16, VIII-6.17, VIII-6.18, VIII-6.20, VIII-6.23

COPPA
I-2.1, VIII-2.1
See also Children’s Online Privacy Protection Act

CRA
II-3.1, II-4.3, II-4.4, II-4.9, II-5.1, II-5.4, II-6.2, II-6.3, II-7.1, II-8.1, II-11.1, II-11.2, II-12.1, IV–1.4, IV–1.8, IV–1.10, IV–1.17, IV–1.18, IV–1.20, IV-2.2, IV-2.21, V-9.2, V-9.3, V-9.8, V-9.9, VIII-3.1, X-4.2, X-4.3, X-4.5, X-4.6, XI–1.1, XI–1.2, XI–1.4, XI–1.5, XI–1.6, XI–1.7, XI-2.1, XI-2.2, XI-2.3, XI-2.5, XI-2.7, XI-3.1, XI-3.2, XI-3.3, XI-3.4, XI-3.6, XI-3.8, XI-3.9, XI-4.1, XI-4.2, XI-4.3, XI-4.4, XI-4.5, XI-5.1, XI-5.2, XI-5.3, XI-5.4, XI-7.1, XI-7.2, XI-7.3, XI-7.6, XI-7.7, XI-7.8, XI-8.1, XI-9.1, XI-9.2, XI-9.4
See also Community Reinvestment Act

Credit Practices Rule
II-4.4, VII-i, VII-2.1, VII-2.2

Credit Report
IV–1.2, IV-2.12, V-1.5, V-1.7, V-1.13, V-1.33, V-1.19, VIII-6.15, VIII-6.21

Credit Scoring
IV–1.6, IV–1.7, IV–1.13, IV–1.21, IV–1.22, IV-2.11, IV-2.12

D          A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Denial
II-4.5, IV–1.5, IV–1.7, IV–1.8, IV–1.10, IV–1.11, IV–1.12, IV–1.13, IV–1.17, IV–1.22, IV-2.1, IV-2.5, IV-2.6, IV-2.11, IV-2.14, IV-2.15, IV-2.16, IV-2.17, IV-2.19, IV-2.23, IV-2.27, IV-2.28, V-7.6, V-7.8, V-9.1, V-9.2, V-9.3, V-9.12, V-9.13, VI-1.21, VIII-6.2

Department of Housing and Urban Development
I-2.2, II-6.2, IV–1.1, V-3.1, V-3.16, V-4.1, V-8.1, V-9.4, XI-8.4
See also HUD

Deposit Production
X-4.1, X-4.2, X-4.7

Disclosure Notice
VI-1.21, VII-2.1

Discrimination
II-4.5, II-7.1, II-12.2, IV–1.1, IV–1.2, IV–1.3, IV–1.4, IV–1.5, IV–1.6, IV–1.7, IV–1.8, IV–1.9, IV–1.10, IV–1.11, IV–1.12, IV–1.14, IV–1.15, IV–1.16, IV–1.17, IV–1.19, IV–1.21, IV–1.22, IV-2.2, IV-2.9, IV-2.11, IV-2.14, IV-2.16, IV-2.17, IV-2.23, IV-2.25, IV-2.29, V-7.1, V-7.2, V-8.1, V-9.1, VII–1.3, IX-2.6, XI–1.2, XI–1.5, XI-2.2, XI-2.7, XI-3.2, XI-3.8, XI-4.2, XI-4.3, XI-5.3, XI-8.10

Discriminatory Conduct
IV–1.4, IV–1.5, IV–1.9, IV–1.10, IV-2.9

Disparate Impact
IV–1.2, IV–1.3, IV–1.22, IV-2.11, VII–1.3

Disparate Treatment
II-4.5, IV–1.2, IV–1.7, IV–1.8, IV–1.10, IV–1.11, IV–1.12, IV–1.13, IV–1.14, IV–1.16, IV–1.17, IV–1.18, IV–1.19, IV–1.22, IV-2.1, IV-2.5, IV-2.6, IV-2.11, IV-2.13, IV-2.14, IV-2.15, IV-2.16, IV-2.23, IV-2.25, IV-2.27, IV-2.28

E          A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

E-Sign
I-1.1, I-2.1, V-1.1, V-7.10, V-10.2, VI-3.3, X-3.1

ECOA
IV–1.1, IV–1.2, IV–1.3, IV–1.9, IV–1.15, IV–1.17, IV-2.1, IV-2.5, IV-2.6, IV-2.7, IV-2.16, IV-2.21, IV-2.25, IV-2.27, V-7.1, V-7.4, V-7.6, V-7.7, V-7.8, V-7.10, VII–1.3, VIII-6.2
See also Equal Credit Opportunities Act

EFA
I-2.1, VI-1.1, VI-1.12

EFTA
VI–2.1, VI–2.6, VI–2.7, VI–2.9
See also Electronic Funds Transfer Act

Electronic Banking
II-4.4, II-4.6, X-3.3

Electronic Funds Transfer Act
VI–2.18
See also EFTA

Enforcement Action
II–1.1, II-5.1, II-5.4, II-6.1, II-6.2, II-6.3, II-7.1, II-8.1, IV–1.22, V-2.2, V-5.7, VI-3.3, VII–1.1, IX–1.7, IX-2.11

Equal Credit Opportunities Act
I-2.1
See also ECOA

Escrow
V-1.13, V-1.23, V-3.1, V-3.4, V-3.5, V-3.6, V-3.7, V-3.9, V-3.10, V-3.14, V-3.15, V-3.16, V-5.9, V-6.4, V-6.5, V-6.7, V-6.9, V-6.10, V-6.11, V-6.14, VI-4.2, VII-4.1

Examiner Summary
II-4.3, II-6.1

Expedited Recredit
VI-1.1, VI-1.13, VI-1.14, VI-1.15, VI-1.20, VI-1.21, VI-1.22

F          A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Fair Credit Reporting Act
I-2.1, II-6.2, VIII–1.4, VIII–1.5, VIII–1.16, VIII-6.1, VIII-6.5, VIII-6.7, VIII-6.13, VIII-6.19, VIII-6.23, VIII-6.24
See also FCRA

Fair Debt Collection Practices Act
I-2.1, VII–1.1, VII–1.3, VII-4.1, VII-4.4, VII-4.5, VIII-6.1
See also FDCPA

Fair Housing Act
I-1.1, I-2.1, IV–1.1, IV–1.17, IV–1.20, IV-2.1, IV-2.5, IV-2.29, V-8.1, V-8.2, VII–1.3, XI–1.5, XI-3.8, XI-4.3, XI-5.3

Fair Lending
II–1.1, II–1.2, II-4.1, II-4.3, II-4.5, II-4.6, II-4.8, II-4.9, II-5.1, II-6.3, IV–1.1, IV–1.3, IV–1.4, IV–1.6, IV–1.10, IV–1.11, IV–1.13, IV–1.14, IV–1.22, IV-2.1, IV-2.6, IV-2.17, IV-2.12, IV-2.21, IV-2.22, IV-2.27, IV-2.29, V-7.1, V-7.11, V-8.1, V-8.2, VII–1.3

FCRA
VIII–1.16, VIII–1.25, VIII-6.1, VIII-6.2, VIII-6.3, VIII-6.5, VIII-6.6, VIII-6.7, VIII-6.8, VIII-6.10, VIII-6.11, VIII-6.13, VIII-6.14, VIII-6.16, VIII-6.17, VIII-6.18, VIII-6.19, VIII-6.20, VIII-6.21, VIII-6.23, VIII-6.24, VIII-6.25
See also Fair Credit Reporting Act

FDCPA
I-2.1, VII-4.1, VII-4.2, VII-4.3, VII-4.4, VII-4.5
See also Fair Debt Collection Practices Act

Federal Communications Commission
I-2.1, VIII-5.1, VIII-5.4

Federal Trade Commission
I-2.1, VII–1.1, VII–1.7, VII-3.1, VII-4.4, VIII-2.1, VIII-4.1, VIII-4.4, VIII-5.1, VIII-5.4, VIII-6.1, VIII-6.8, VIII-6.11, VIII-6.13, VIII-6.14, VIII-6.18, VIII-6.24, XI–1.5, XI-3.8, XI-4.3, XI-5.3
See also FTC

Finance Charge
I-2.1, V-1.2, V-1.3, V-1.5, V-1.7, V-1.8, V-1.9, V-1.10, V-1.11, V-1.12, V-1.13, V-1.19, V-1.20, V-1.21, V-1.22, V-1.23, V-1.24, V-1.25, V-1.27, V-1.28, V-1.34, V-2.1, V-2.2, V-6.6, V-6.10, VI–2.5

Flood Insurance
II-4.4, II-8.2, V-6.1, V-6.2, V-6.3, V-6.4, V-6.5, V-6.6, V-6.7, V-6.8, V-6.9, V-6.10, V-6.11, V-6.12, V-6.14, V-6.16

Forced Placement
V-6.3, V-6.5, V-6.6, V-6.8, V-6.9, V-6.10, V-6.11

FTC
I-2.1, V-10.4, VII-i, VII–1.1, VII–1.3, VII–1.4, VII–1.5, VII–1.7, VII–1.8, VII-3.1, VII-4.4, VIII–1.5, VIII-2.1, VIII-4.1, VIII-5.1, VIII-5.2, VIII-5.5, VIII-6.13, VIII-6.14, VIII-6.25
See also Federal Trade Commission

Furnishers
VIII-6.1, VIII-6.19, VIII-6.20, VIII-6.25

G          A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

GENESYS
I-2.1, II-3.2

Geocoding
V-9.9, V-9.10, XI-7.8, XI-9.4

GFE
I-2.1, V-1.27, V-3.1, V-3.2, V-3.3, V-3.4, V-3.7, V-3.8, V-3.9, V-3.11, V-3.12, V-3.13
See also Good Faith Estimate

GLBA
I-2.1, II-11.1, VIII–1.1, VIII-6.7, VIII-6.8, IX–1.1, IX–1.4, IX-2.1, X-4.1, XI-7.1
See also Gramm-Leach-Bliley Act

Good Faith Estimate
I-2.1, II-5.5, V-3.7, V-3.8, V-3.11, V-3.16
See also GFE

Gramm-Leach-Bliley Act
I-2.1, II-11.1, VIII-i, VIII–1.1, VIII–1.5, VIII-6.1, VIII-6.7, VIII-6.8, VIII-6.10, IX–1.1, IX–1.10, IX-2.1, X-4.1, XI-7.1
See also GLBA

H          A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

HMDA
I-2.1, II-3.1, IV–1.6, IV–1.7, IV–1.8, IV–1.11, IV–1.18, IV–1.20, IV-2.5, IV-2.21, IV-2.23, IV-2.29, V-9.1, V-9.2, V-9.3, V-9.4, V-9.5, V-9.6, V-9.7, V-9.8, V-9.9, V-9.10, V-9.11, V-9.12, V-9.13, V-9.14, V-9.15, XI–1.2, XI–1.3, XI–1.6, XI-2.2, XI-2.5, XI-2.7, XI-3.1, XI-3.3, XI-3.4, XI-3.9, XI-4.1, XI-4.2, XI-4.4, XI-5.4
See also Home Mortgage Disclosure Act

HOCA
I-2.1
See also Homeowners Counseling Act

HOEPA
I-2.1, V-9.3, V-9.13
See also Home Ownership and Equity Protection Act

Holder-in-Due-Course Rule
VII-3.1

Home Equity
V-1.1, V-1.22, V-6.3

Home Mortgage Disclosure Act
I-2.1, II-3.1, V-iii, V-8.1, V-9.1, V-9.5, V-9.8
See also HMDA

Homeowners Counseling Act
I-2.1
See also HOCA

Home Ownership and Equity Protection Act
V-1.1, V-9.1, V-9.3, V-9.6, V-9.7, VII–1.6, XI–1.5, XI-3.8, XI-4.3, XI-5.3
See also HOEPA

Homeowners Protection Act
V-5.1, V-5.6, V-5.7, V-5.8
See also HOPA

HOPA
V-5.6, V-5.9, V-5.10
See also Homeowners Protection Act

HUD
I-2.2, II-5.5, IV–1.1, V-3.1, V-3.2, V-3.3, V-3.4, V-3.5, V-3.7, V-3.8, V-3.9, V-3.10, V-3.11, V-3.12, V-3.15, V-3.16, V-4.1, V-4.2, V-6.5, V-6.14, V-8.1, V-8.2, V-9.8, XI-7.7, XI-8.4
See also Department of Housing and Urban Development

I          A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Information Sharing II-4.6, VIII–1.4, VIII–1.5, VIII–1.6, VIII–1.9, VIII–1.11, VIII–1.12, VIII–1.13, VIII-6.1, VIII-6.3, VIII-6.7, VIII-6.8, VIII-6.25, IX–1.4, IX–1.11, XI-8.1

Insurance I-1.1, I-2.1, I-2.2, II–1.1, II-4.1, II-4.3, II-4.4, II-4.6, II-8.1, II-8.2, II-10.1, V-ii, V-1.5, V-1.28, V-1.33, V-3.9, V-3.15, V- 3.16, V-5.2, V-5.4, V-5.10, V-6.1, V-6.2, V-6.3, V-6.8, V-6.10, V-6.16, V-8.1, V-9.1, V-9.4, VI-1.2, VI-4.5, VII–1.1, VII–1.8, VIII–1.1, VIII–1.5, VIII-4.1, VIII-6.10, IX-i, IX–1.1, IX–1.4, IX–1.6, IX–1.11, IX–1.12, IX-2.1, IX-2.2, IX-2.3, IX-2.4, IX-2.5, IX-2.6, IX-2.7, IX-2.8, IX-2.9, IX-2.10, IX-2.11, IX-2.12, X-i, X–1.1, X-2.1, X-4.1, XI–1.1, XI–1.2, XI-2.1, XI-3.1, XI-5.1, XI-7.1

Interest on Deposits II-4.4, VI-1.20, VI-4.1, VI-4.5

Internal Control II–1.1, V-6.8, V-9.15, VI–2.16, VIII-4.5, VIII-5.5

Interstate Banking II-4.4, X-4.1, X-4.4, XI-7.6

Interstate Branch X-4.1, X-4.2, X-4.3, X-4.4

Interview I-1.1, II-3.1, II-3.2, III-2.1, IV–1.15, IV–1.20, IV-2.29, V-3.6, V-3.7, VI-4.2, XI-8.1, XI-8.6, XI-8.11

Investigation II-7.1, V-7.9, VI-1.14, VI-1.22, VI–2.6, VI–2.7, VI–2.15, VIII–1.26, VIII-6.6, VIII-6.8, VIII-6.11, VIII-6.13, VIII-6.15, VIII-6.17, VIII-6.18, VIII-6.19, VIII-6.20, VIII-6.21, VIII- 6.23, VIII-6.24, XI-5.1, XI-8.3, XI-9.1

Investment Test XI-3.5, XI-6.9

K          A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Kickbacks
V-3.1, V-3.4, V-3.7, V-3.9, V-3.15

L          A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Leasing
II-4.4, V-1.1, V-10.1, V-10.2, V-10.4, V-10.5, VI–2.18, VI-3.4, X-3.1

Lending Test
IV–1.18, XI–1.1, XI-2.1, XI-2.2, XI-2.3, XI-2.4, XI-3.2, XI-3.4, XI-3.5, XI-3.7, XI-6.4, XI-6.5, XI-6.6, XI-6.7

Limited Purpose
X-4.2, XI–1.1, XI-4.1, XI-4.2, XI-4.5, XI-7.6, XI-7.7, XII-6.1

M          A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Marginal Transactions
IV–1.11, IV–1.12, IV-2.19

Medical Information
VIII-6.1, VIII-6.8, VIII-6.9, VIII-6.10, VIII-6.11

Meeting
II–1.1, II–1.3, II-2.3, II-4.3, II-4.5, II-5.1, II-5.2, II-5.4, II-7.1, IV–1.8, IV-2.12, IV-2.19, V-10.1, VI–2.12, VII-4.2, VIII–1.5, XI–1.3, XI–1.7, XI-2.3, XI-2.4, XI-2.5, XI-4.3, XI-5.1, XI-5.2, XI-6.8, XI-7.8, XI-8.9, XI-8.10, XI-8.11

N          A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

National Flood Insurance Program
I-2.2, V-6.1, V-6.8, V-6.16
See also NFIP

NDP
VI-4.1, IX–1.10, IX-2.4, IX-2.5
See also Non Deposit Products

NFIP
I-2.2, V-6.1, V-6.2, V-6.3, V-6.6, V-6.7, V-6.8, V-6.9, V-6.10
See also National Flood Insurance Program

Non Deposit Products
II-4.6
See also NDP

O          A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Open-End Credit
II-4.8, V-1.1, V-1.3, V-1.8, V-1.9, V-1.10, V-1.20, V-1.22, V-1.23, V-1.25, V-1.27, V-1.28, V-1.31, V-1.32, VIII-6.23

Opt Out
VIII–1.1, VIII–1.2, VIII–1.3, VIII–1.4, VIII–1.5, VIII–1.6, VIII–1.9, VIII–1.10, VIII–1.13, VIII–1.16, VIII–1.18, VIII–1.19, VIII–1.20, VIII–1.21, VIII–1.22, VIII–1.24, VIII–1.25, VIII–1.26, VIII-4.4, VIII-6.5, VIII-6.7, VIII-6.8, VIII-6.11, VIII-6.14, VIII-6.15, VIII-6.25

Overdraft
V-1.28, VI-1.6, VI-1.7, VI-1.8, VI-1.9, VI-1.10, VI-1.11, VI-1.15, VI-1.17, VI-1.18, VI-1.19, VI-1.23, VI–2.3, VI–2.6, VI–2.14, VII–1.4, VII–1.6

P          A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Part 329
II-4.6, VI-4.1, VI-4.2, VI-4.3, VI-4.4, VI-4.5

Part 343
VII–1.8, IX–1.4, IX-2.1, IX-2.2, IX-2.3

Part 344
IX–1.2, IX–1.10, IX–1.11, IX–1.12, IX–1.13, IX–1.14, IX–1.15, IX–1.16

Pattern or Practice
II-5.5, II-6.2, II-9.2, IV–1.13, IV–1.14, V-1.30, V-1.31, V-2.1, V-2.2, V-2.3, V-3.7, V-5.7, V-6.8

PEP
II-4.3, II-4.5, II-4.6, II-9.1
See also Pre-Examination Planning

Periodic Statement
V-1.9, V-1.25, V-1.26, V-1.27, V-1.28, VI-1.14, VI-1.16, VI–2.1, VI–2.3, VI–2.4, VI–2.5, VI–2.6, VI–2.8, VI–2.12, VI–2.13, VI–2.14, VI–2.16, VI-3.1, VI-3.2, VI-3.3, VI-3.7, VII–1.5

PMI
I-2.2, V-1.5, V-2.3, V-5.1, V-5.2, V-5.3, V-5.4, V-5.5, V-5.6, V-5.7, V-5.8, V-5.9, V-5.10, VIII-6.8
See also Private Mortgage Insurance

Points
IV–1.3, IV–1.7, IV–1.10, IV–1.13, IV–1.14, IV-2.5, V-1.5, V-1.10, V-1.11, V-1.20, V-1.21, V-1.32, V-1.33, V-1.34, V-9.3, V-9.13, VI-4.5, VII–1.6, XI-3.7, XI-3.8, XI-9.1

Pre-Examination Planning
I-2.2, II–1.2, II-3.1, II-4.3, IX–1.4, IX-2.1
See also PEP

Premiums
V-1.7, V-1.13, V-1.21, V-1.25, V-1.30, V-1.33, V-2.3, V-3.6, V-3.15, V-3.16, V-5.1, V-5.2, V-5.4, V-5.5, V-5.7, V-5.9, V-6.4, V-6.5, V-6.8, V-6.9, V-6.10, V-6.11, V-6.14, VI-4.1, VI-4.4, VI-4.5

Preservation of Consumers’ Claims and Defenses
I-2.2, II-4.4, VII-3.1

Pricing
IV–1.3, IV–1.4, IV–1.6, IV–1.7, IV–1.8, IV–1.9, IV–1.13, IV–1.14, IV–1.15, IV–1.16, IV–1.18, IV–1.20, IV–1.22, IV-2.1, IV-2.5, IV-2.11, IV-2.15, IV-2.17, IV-2.21, IV-2.29, V-9.1, V-9.3, VII–1.5, VIII-6.18, VIII-6.25

Privacy
I-1.1, I-2.1, I-2.2, II-4.4, II-4.6, VIII–1.1, VIII–1.3, VIII–1.4, VIII–1.6, VIII–1.9, VIII–1.10, VIII–1.11, VIII–1.12, VIII–1.15, VIII–1.16, VIII–1.17, VIII–1.18, VIII–1.25, VIII–1.26, VIII-2.1, VIII-3.1, VIII-3.2, VIII-6.7, VIII-6.8, VIII-6.10

Privacy Notice
VIII–1.4, VIII–1.6, VIII–1.9, VIII–1.11, VIII–1.13, VIII–1.15, VIII–1.17, VIII–1.18, VIII–1.20, VIII–1.21, VIII-6.8

Privacy of Consumer Financial Information
II-4.4, VIII-6.7, VIII-6.8

Private Mortgage Insurance
I-2.1, I-2.2, IV-2.22, V-1.5, V-1.33, V-2.3, V-5.1, V-5.6, VIII-6.8
See also PMI

Public File
XI–1.2, XI–1.4, XI–1.6, XI-2.3, XI-2.7, XI-3.2, XI-3.5, XI-3.6, XI-3.8, XI-4.2, XI-4.4, XI-5.2, XI-5.3, XI-7.2, XI-7.3

Public Notice
XI–1.6, XI-2.7, XI-3.8, XI-3.9, XI-4.4, XI-5.3, XI-5.4

R          A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Ratings
II-4.2, II-5.1, II-7.1, II-11.1, II-12.1, II-12.2, X-4.3, X-4.5, XI–1.4, XI–1.5, XI–1.7, XI-2.4, XI-2.5, XI-2.6, XI-3.6, XI-3.7, XI-4.3, XI-4.5, XI-5.2, XI-5.3, XI-6.1, XI-6.2, XI-6.3, XI-6.4, XI-6.5, XI-7.7

Ratings Matrix
XI–1.5, XI–1.7, XI-2.4, XI-2.6, XI-4.3, XI-4.5

Real Estate Settlement Procedures
II-4.4, V-3.1, V-3.11, V-3.16, V-6.3, XI–1.5, XI-3.8, XI-4.3, XI-5.3
See also RESPA

Recordkeeping
IV–1.6, V-6.7, V-8.1, IX–1.2, IX–1.8, IX–1.11, IX–1.12, IX–1.14, IX–1.15, IX–1.16, IX–1.20

Record Retention
V-iii, V-1.27, V-7.7, V-7.8, V-7.9, V-8.1, V-10.2, VI-ii, VI-1.20, VI-3.3, VI-3.9, X-3.1

Redlining
IV–1.2, IV–1.8, IV–1.9, IV–1.16, IV–1.17, IV–1.18, IV–1.19, IV–1.20, IV–1.21, IV–1.22, XI-8.10

Refinancing
V-1.13, V-1.19, V-1.25, V-1.30, V-3.2, V-3.6, V-5.1, V-6.3, V-9.1, V-9.2, V-9.11, V-9.14, XI-3.3

Regulation AA
VII-i, VII-2.1

Regulation B
II-6.2, IV–1.1, IV–1.2, IV–1.3, IV–1.7, IV–1.9, IV–1.12, IV–1.20, IV-2.1, IV-2.11, IV-2.12, IV-2.15, IV-2.27, IV-2.29, V-7.1, V-7.7, V-7.8, V-7.10, V-7.11, V-9.3, X-3.1

Regulation C
IV-2.17, IV-2.29, V-8.1, V-9.1, V-9.2, V-9.3, V-9.4, V-9.5, V-9.6, V-9.7, V-9.8, V-9.11, V-9.12, V-9.15, XI-7.6

Regulation CC
II-4.6, II-6.2, VI-1.1, VI-1.2, VI-1.12, VI-1.13, VI-1.15, VI-1.16, VI-1.17, VI-1.18, VI-1.20, VI-1.21, VI-1.23, VI-3.3

Regulation DD
II-4.6, VI-3.1, VI-3.2, VI-3.3, VI-3.4, VII–1.8, X-3.1

Regulation E
II-4.6, VI–2.1, VI–2.3, VI–2.6, VI–2.7, VI–2.8, VI–2.11, VI–2.16, VI–2.17, VI–2.18, X-3.1

Regulation M
V-1.1, V-10.1, V-10.2, V-10.4, X-3.1

Regulation T
VI–2.7

Regulation X
V-3.1, V-3.2, V-3.4, V-3.7, V-3.8, V-3.11, V-3.16, V-6.11

Regulation Z
II-4.2, II-6.2, II-9.2, V-1.1, V-1.2, V-1.3, V-1.5, V-1.7, V-1.8, V-1.9, V-1.10, V-1.11, V-1.12, V-1.13, V-1.20, V-1.21, V-1.23, V-1.26, V-1.29, V-1.31, V-1.32, V-1.35, V-2.2, V-3.2, V-3.3, V-3.6, V-5.5, V-6.6, V-9.3, V-9.13, V-10.1, VI–2.1, VI–2.5, VI–2.7, VI–2.14, VII–1.8, VII-3.1, X-3.1

Reimbursable
II-5.3, II-5.5, II-9.1, II-12.2, V-2.1
See also Reimbursements

Reimbursements
II-4.2, II-5.3, II-5.4, II-9.1
See also Reimbursable

Repurchase Agreement
IX–1.3, IX–1.6, IX–1.15, IX–1.17, IX–1.19

Rescission
V-1.2, V-1.3, V-1.20, V-1.23, V-1.26, V-1.28, V-1.29, IX–1.11, XI–1.5, XI-3.8, XI-4.3, XI-5.3, XI-7.6

RESPA
I-1.2, I-2.2, V-i, V-1.27, V-3.1, V-3.2, V-3.3, V-3.4, V-3.7, V-3.8, V-3.9, V-3.12, V-3.13, V-3.15, V-3.16, V-5.9, V-6.3, V-6.4, V-6.5, V-6.9, V-6.11, V-6.14
See also Real Estate Settlement Procedures

Restitution
II-3.1, II-8.2, II-9.1, II-9.2, V-1.23, V-1.35, V-2.1, V-2.2, V-2.3,V-5.7

Retail Insurance
IX–1.1, IX–1.4, IX-2.1, IX-2.2, IX-2.3, IX-2.4

Retail Investment
IX–1.1, IX–1.2, IX–1.10, IX–1.13, IX-2.

Reverse Mortgage
V-1.1, V-1.2, V-1.21, V-1.26, V-1.29, V-1.32, V-3.1, V-3.2

RFPA
I-2.2, VIII-3.1
See also Right to Financial Privacy Act

Right to Financial Privacy Act
VIII-i, VIII–1.25, VIII-3.1
See also RFPA

Risk Profile
I-2.2, II–1.1, II-3.1, II-4.1, II-4.2, II-4.3, II-4.4, II-4.5, II-4.6, II-4.7, II-4.8, II-4.9, II-5.6, II-6.1, II-6.3, II-7.1, III–1.1, IV-2.17, VII–1.4, IX–1.2, IX–1.4, IX–1.7, IX-2.2

S          A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Safekeeping
IX–1.1, IX–1.3, IX–1.6, IX–1.7, IX–1.8, IX–1.9, IX–1.13, IX–1.19, IX–1.20

Sample Size
IV–1.10, IV–1.11, IV–1.13, IV–1.15, IV-2.6, IV-2.1, IV-2.17, IV-2.29, XI-9.1, XI-9.3, XI-9.5

Sampling
II–1.3, II-4.8, II-5.5, IV–1.11, IV–1.15, IV–1.16, IV-2.17, IV-2.28, V-2.2, V-9.9, VI-1.16, VI-1.22, VI-1.24, IX–1.2, XI-7.6, XI–1.3, XI-2.3, XI-9.1, XI-9.2, XI-9.3, XI-9.4, XI-9.5

Scope
I-2.2, II–1.2, II–1.3, II-2.4, II-3.1, II-4.1, II-4.2, II-4.3, II-4.8, II-5.2, II-5.3, II-5.6, II-6.1, II-6.3, II-7.1, II-9.1, II-12.2, III–1.1, IV–1.3, IV–1.4, IV–1.5, IV–1.6, IV–1.10, IV-2.1, IV-2.2, IV-2.3, IV-2.5, IV-2.6, IV-2.7, IV-2.9, IV-2.21, IV-2.27, V-5.1, V-6.4, VII–1.4, VIII-4.3, VIII-5.3, VIII-6.3, IX–1.1, IX–1.4, XI–1.1, XI–1.2, XI–1.4, XI-2.1, XI-2.5, XI-3.1, XI-3.6, XI-3.7, XI-4.1, XI-5.1, XI-9.2, XI-9.3, XI-9.4

SEC
I-2.2, V-1.2, VI–2.1, IX–1.1, IX–1.2, IX–1.4, IX–1.7, IX–1.10, IX–1.13
See also Securities Exchange Commission

Securities Exchange Commission
I-2.2
See also SEC

Service Test
XI-3.5, XI-6.8

Significant Violation
II-5.2, II-5.5, II-5.6

SOURCE
II-3.1, II-4.1, II-5.5, II-5.6, II-6.1, II-6.2, II-6.3, II-7.2, IX–1.10, IX-2.4, IX-2.5
See also System of Uniform Reporting of Compliance and CRA Examinations

Special Purpose Credit Program
I-2.2, IV-2.15, IV-2.16

Steering
IV–1.7, IV–1.8, IV–1.9, IV–1.14, IV–1.15, IV–1.22

Strategic Plan
II-4.2, XI-3.1, XI-5.1, XI-5.2, XI-5.3, XI-6.5, XI-7.2, XI-7.6, XII-5.1

Substitute Check
VI-1.1, VI-1.2, VI-1.13, VI-1.14, VI-1.15, VI-1.16, VI-1.20, VI-1.21, VI-1.22, VI-1.23

Sunshine Act
I-1.1

System of Uniform Reporting of Compliance and CRA Examinations
I-2.2, II-3.1
See also SOURCE

T          A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

TCPA
I-2.2, VIII-5.1, VIII-5.2, VIII-5.3
See also Telephone Consumer Protection Act

Telemarketer
VIII–1.14, VIII-5.1, VIII-5.2

Telephone Consumer Protection Act
I-2.2, VIII-ii, VIII-4.1, VIII-5.1, VIII-5.4, VIII-5.5, VIII-5.6, VIII-5.7
See also TCPA

Testing
II–1.1, II–1.2, II–1.3, II-2.4, II-4.2, II-4.3, II-4.4, II-4.5, II-4.7, II-4.8, IV-2.5, V-1.24, V-1.27, V-1.28, V-1.29, V-5.8, V-7.1, V-9.7, VI-3.2, VI-3.3, VIII-4.4, VIII-5.3, VIII-5.4, VIII-6.3, IX–1.2, IX–1.3, IX–1.4, IX–1.8, IX-2.2, IX-2.4

TILA
V-1.1, V-1.2, V-1.3, V-1.5, V-1.19, V-1.20, V-1.21, V-1.22, V-1.23, V-1.24, V-1.31, V-2.1, V-2.2, V-3.6, V-6.10, VI–2.7, VII–1.3
See also Truth in Lending Act

TISA
VI-3.4, VII–1.3
See also Truth in Savings Act

Title Insurance
V-1.33, V-3.4, V-3.9, V-3.15

Training
II–1.1, II–1.2, II–1.3, II-2.2, II-2.3, II-4.1, II-4.4, II-4.5, II-4.6, II-4.7, II-4.8, II-5.3, II-12.2, IV–1.6, IV–1.10, IV-2.1, IV-2.11, IV-2.21, V-5.6, V-5.7, V-7.1, V-9.5, V-9.6, V-9.8, V-9.9, V-9.15, VI-1.12, VI-1.16, VI-1.17, VI-1.21, VI-1.23, VI-3.2, VII–1.7, VIII–1.6, VIII–1.7, VIII-2.1, VIII-4.4, VIII-5.2, VIII-5.3, VIII-5.4, VIII-6.3, IX–1.7, IX–1.8, IX-2.3, IX-2.4, IX-2.6, IX-2.8, XI-8.5, XI-8.8, XI-8.9

Transaction Testing
V-7.1, V-9.7, VIII-4.4, VIII-5.4, IX–1.3, IX–1.4, IX–1.8, IX-2.2, IX-2.4

Truth in Lending Act
II-4.2, II-8.2, II-9.1, II-9.2, V-1.1, V-1.2, V-1.8, V-1.10, V-1.23, V-1.35, V-2.1, V-2.2, V-2.3, V-3.3, V-3.4, V-3.9, V-3.15, V-5.5, V-6.6, V-9.3, V-10.1, V-10.2, VI–2.7, VII–1.3, VII-3.1, VIII-6.1, VIII-6.21, XI–1.5, XI-3.8, XI-4.3, XI-5.3
See also TILA

Truth in Savings Act
VI–2.18, VI-3.1, VI-3.4, VII–1.3
See also TISA

U          A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

UDAP
I-2.2, VII-i, VII–1.1, VII–1.5
See also Unfair or Deceptive Act or Practices

Unfair or Deceptive Act or Practices
I-2.2
See also UDAP

Uniform Settlement Statement
V-3.3, V-3.7, V-3.8, V-3.12

V          A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Variable Rate
V-1.1, V-1.12, V-1.13, V-1.19, V-1.22, V-1.24, V-1.26, V-1.28, V-1.29, V-1.30

Visitation
II-4.3, II-5.4, II-7.1, II-7.2, II-11.1

W          A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Wholesale
II-2.2, IV–1.6, X-4.2, XI–1.1, XI-3.1, XI-4.1, XI-4.2, XI-4.5, XI-6.4, XI-7.2, XI-7.6, XI-7.7, XII-i, XII-6.1

Workpapers
II-3.1, II-4.2, II-4.3, II-4.8, II-5.1, II-5.5, II-5.6, II-6.1, II-6.2, II-7.2, II-9.1, IV–1.13, V-7.1, VI-4.3, IX–1.4, IX–1.10, IX-2.2, IX-2.4, XI–1.3, XI–1.4, XI–1.5