Current Year Updates:
(includes redline versions of updated manual sections)
- October 7, 2025 - Redlined Document Identifying Changes October 2025
- References to reputation risk have been removed from the Consumer Compliance Examination Manual (CEM) effective as of October 07, 2025, in the following chapters.
• Examinations Review and Analysis (II-5.1)
• Bank of Anytown Examination Template (III-2.1)
• Overdraft Payment Programs (V-14.1)
• Third Party Risk (VII-3.1)
• Retail Investment Sales (IX-1.1)
• Bank Subsidiaries and Affiliates (X-5.1)
- References to reputation risk have been removed from the Consumer Compliance Examination Manual (CEM) effective as of October 07, 2025, in the following chapters.
- August 29, 2025 - Redlined document identifying changes August 2025
- References to disparate impact have been removed from the Consumer Compliance Examination Manual (CEM) effective as of August 29, 2025, in the following chapters.
- Fair Lending Laws and Regulations (IV-1.1)
- Fair Lending Appendices (IV-2.1)
- Fair Lending References (IV-4.1)
- Unfair, Deceptive, and Abusive Practices – Federal Trade Commission Act/Dodd-Franks Act (VII-1.1)
- References to disparate impact have been removed from the Consumer Compliance Examination Manual (CEM) effective as of August 29, 2025, in the following chapters.