Current Year Updates:
(includes redline versions of updated manual sections)
- November 7, 2025: Redlined Document Identifying Changes November 7, 2025
- Examination and Visitation Frequency (II-12.1): This chapter was revised with updated examination frequency schedules.
- October 21, 2025 - Redlined Document Identifying Changes October 21, 2025
- Truth in Lending Act (V-1.1):
- The annual thresholds for 2025 were updated in this chapter.
- Community Reinvestment Act (XI-1.1):
- The annual thresholds for 2025 were updated in this chapter.
- Truth in Lending Act (V-1.1):
- October 7, 2025 - Redlined Document Identifying Changes October 7, 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.