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.
For
ease of updating your hard copies, a zipped file is provided
below which contains only the revised sections.
A complete
and updated zipped file of the entire Manual is provided
above.
The following
list of dates corresponds to changes in the manual.
December 2011.zip
(9.1mb)
Updates Only |
The following sections were updated in December 2011 to incorporate new statutes, regulations, examination procedures and guidance:
- II-13 Violation Codes
- V-1 Truth in Lending Act
- VI-1 Expedited Funds Availability
- VI-3 Truth in Savings Act
The list of references for the following sections were also updated.
- II-8.1 Enforcement Actions
- V-3.1 Real Estate Settlement Procedures Act (RESPA)
- V-6.1 Flood Disaster Protection
- XI-11.1 CRA References
|
June 2011.zip (2.2mb)
Updates Only |
The following sections were updated in June 2011 to incorporate new statutes, regulations, examination procedures and guidance:
- II-4 Review and Analysis
- IV-1 Fair Lending Laws and Regulations
- IV-2 Appendices
- IV-3 FDIC Fair Lending Examination Pricing Analysis Procedures for HMDA Reporters (New Section)
- IV-4 FDIC Examination Procedures for "Low-Risk" Institutions 06/2011 (Formerly 2.29)
- IV-5 References
- V-13 Overdraft Payment Programs (New Section)
- VI-2 Electronic Fund Transfer Act
- VII-1 Federal Trade Commission Act, Section 5 Unfair or Deceptive Acts or Practices
- VII-5 Third Party Risk (New Section)
- VIII-1 Gramm-Leach-Bliley Act (Privacy of Consumer Financial Information)
- VIII-6 Fair Credit Reporting Act (Updates Modules 3 and 4)
- X-5 Bank Subsidiaries and Affiliates (New Section)
- XI-10 Interagency Questions and Answers Regarding Community Reinvestment (Adds Q&A, § __.12(g)(2) –1 and Q&A, § __12(h) – 8, and revises Q&A, § __.42(b)(2) – 3)
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Last Updated |
| I |
Manual
Introduction |
06/2009 |
| II |
Compliance
Examinations |
| |
II-1.1 |
Overview
of Compliance Examinations |
06/2009 |
| |
II-2.1 |
Compliance
Management System |
06/2009 |
| |
II-3.1 |
Pre-Examination
Planning |
06/2009 |
| |
II-4.1 |
Review
and Analysis |
06/2011 |
| |
II-5.1 |
Communicating
Findings |
06/2009 |
| |
II-6.1 |
Documenting
the Examination |
06/2009 |
| |
II-7.1 |
Investigations
and Visitations |
06/2009 |
| |
II-8.1 |
Enforcement
Actions |
06/2009 |
| |
II-9.1 |
Truth
in Lending (TIL) Restitution Verification |
06/2006 |
| |
II-10.1 |
Appeals |
06/2009 |
| |
II-11.1 |
Examination
and Visitation Frequency |
12/2009 |
| |
II-12.1 |
Consumer
Compliance Rating System |
06/2006 |
| |
II-13.1 |
Violation
Codes |
12/2011 |
| III |
Examination
Templates |
| |
III-1.1 |
Risk
Profile and Scope Memorandum (6.6mb) [Word] |
06/2009 |
| |
III-2.1 |
Interview
Sheet [Word 452k] |
02/2010 |
| |
III-3.1 |
Compliance
Information Disclosure Requirement (474k) [Word 712k] |
03/2010 |
| |
III-4.1 |
Entry
Letters [Word] |
06/2006 |
| |
III-5.1 |
Bank
of Anytown |
06/2009 |
| IV |
Fair
Lending Laws and Regulations |
| |
IV-1.1 |
Fair
Lending Laws and Regulations |
06/2011 |
| |
IV-2.1 |
Appendices |
06/2011 |
| |
IV-3.1 |
FDIC Fair Lending Examination Pricing Analysis Procedures for HMDA Reporters |
06/2011 |
| |
IV-4.1 |
FDIC Examination Procedures for "Low-Risk" Institutions |
06/2011 |
| |
IV-5.1 |
References |
06/2011 |
| V |
Compliance
Lending Issues |
| |
V-1.1 |
Truth
in Lending Act (7.6mb) |
12/2011 |
| |
V-2.1 |
Determining
Whether TIL Restitution is Required |
06/2006 |
| |
V-3.1 |
Real
Estate Settlement Procedures Act (RESPA) |
06/2009 |
| |
V-4.1 |
Homeownership
Counseling Act |
06/2006 |
| |
V-5.1 |
Homeowners
Protection Act |
06/2006 |
| |
V-6.1 |
Flood
Disaster Protection |
06/2009 |
| |
V-7.1 |
Equal
Credit Opportunity Act (ECOA) Regulation |
06/2009 |
| |
V-8.1 |
Fair
Housing Act (FHAct) |
06/2006 |
| |
V-9.1 |
Home
Mortgage Disclosure Act |
12/2009 |
| |
V-10.1 |
Consumer
Leasing |
06/2009 |
| |
V-11.1 |
Servicemembers
Civil Relief Act |
06/2009 |
| |
V-12.1 |
Talent
Amendment |
06/2009 |
| |
V-13.1 |
Overdraft Payment Programs |
06/2011 |
| VI |
Compliance
Depository Issues |
| |
VI-1.1 |
Expedited
Funds Availability Act |
12/2011 |
| |
VI-2.1 |
Electronic
Fund Transfer Act |
06/2011 |
| |
VI-3.1 |
Truth
in Savings Act (834k)
|
12/2011 |
| |
VI-4.1 |
Interest
on Deposits — Part 329 |
12/2009 |
| VII |
Abusive
Practices |
| |
VII-1.1 |
Federal
Trade Commission Act, Section 5 Unfair or Deceptive Acts or
Practices |
06/2011 |
| |
VII-2.1 |
Credit
Practices Rule (Regulation AA) |
06/2006 |
| |
VII-3.1 |
FTC
Rule – Preservation of Claims and Defenses |
06/2006 |
| |
VII-4.1 |
Fair
Debt Collection Practices Act |
06/2006 |
| |
VII-5.1 |
Third Party Risk |
06/2011 |
| VIII |
Privacy
and Consumer Information |
| |
VIII-1.1 |
Gramm-Leach-Bliley
Act (Privacy of Consumer Financial Information) (377k) |
06/2011 |
| |
VIII-2.1 |
Children’s
Online Privacy Protection Act (COPPA) |
06/2006 |
| |
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 |
06/2006 |
| |
VIII-5.1 |
Telephone
Consumer Protection Act |
06/2006 |
| |
VIII-6.1 |
Fair
Credit Reporting Act |
06/2011 |
| IX |
Retail
Sales |
| |
IX-1.1 |
Retail
Investment Sales |
06/2006 |
| |
IX-2.1 |
Retail
Insurance Sales |
06/2006 |
| X |
Other
Compliance Issues |
| |
X-1.1 |
Advertisement
of Membership—Part 328 of FDIC Rules and Regulations |
12/2009 |
| |
X-2.1 |
Section
42 of the Federal Deposit Insurance (FDI) Act—Branch Closings |
06/2006 |
| |
X-3.1 |
The
Electronic Signatures in Global and National Commerce Act (E-Sign
Act) |
06/2009 |
| |
X-4.1 |
Prohibition
Against Use of Interstate Branches Primarily for Deposit Production |
06/2006 |
| |
X-5.1 |
Bank Subsidiaries and Affiliates |
06/2011 |
| XI |
Community
Reinvestment Act |
| |
XI-1.1 |
Community
Reinvestment Act |
06/2006 |
| |
XI-1.1 |
Small
Bank |
06/2006 |
| |
XI-2.1 |
Intermediate
Small Bank |
06/2009 |
| |
XI-3.1 |
Large
Bank |
06/2006 |
| |
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 |
06/2006 |
| |
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 |
06/2011 |
| |
XI-11.1 |
CRA
References |
06/2009 |
| 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 |
