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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

Compliance Examination Manual

Consolidated Compliance Manual – PDF 15Mb (Last Updated: 08/2018) PDF Help

Bank of Anytown files – Zip of Word Documents

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.

Please note that several sections have been recently updated.

All files are PDF format unless otherwise indicated.

Last Updated
I Manual Introduction 05/2017
I-1.1 Manual Introduction 09/2015
I-2.1 Abbreviations 09/2015
II Compliance Examinations
II-1.1 Overview of Compliance Examinations 03/2017
II-2.1 Evaluating Consumer Harm 03/2017
II-3.1 Compliance Management System 03/2017
II-4.1 Pre-Exam Planning 09/2017
II-5.1 Review and Analysis 03/2017
II-6.1 Communicating Findings 09/2017
II-7.1 Documenting the Examination 12/2016
II-8.1 Investigations and Visitations 09/2015
II-9.1 Enforcement Actions 03/2016
II-10.1 Truth in Lending (TIL) Restitution Verification 09/2015
II-11.1 Appeals 09/2015
II-12.1 Examination and Visitation Frequency 04/2016
II-13.1 Consumer Compliance Rating System 03/2017
II-14.1 SOURCE Violation Codes 12/2016
III Examination Templates
III-1.1 Pre-Examination Information Packet 09/2017
III-2.1 Bank of Anytown (ZIP of Word documents) 03/2017
III-3.1 Assessment of Risk of Consumer Harm (Word) 09/2017
IV Fair Lending Laws and Regulations
IV-1.1 Fair Lending Laws and Regulations 09/2015
IV-2.1 Appendices 12/2012
IV-3.1 Fair Lending Scope and Conclusions Memorandum (Word) 02/2015
IV-4.1 References 09/2015
V Compliance Lending Issues
V-1.1 Truth in Lending Act 05/2018
V-2.1 Determining Whether TIL Restitution is Required 11/2017
V-3.1 Real Estate Settlement Procedures Act (RESPA) 05/2018
V-4.1 Homeownership Counseling Act 09/2015
V-5.1 Homeowners Protection Act 09/2015
V-6.1 Flood Insurance 04/2016
V-7.1 Equal Credit Opportunity Act (ECOA) Regulation 09/2015
V-8.1 Fair Housing Act (FHAct) 09/2015
V-9.1 Home Mortgage Disclosure Act 02/2018
V-10.1 Consumer Leasing 02/2018
V-11.1 Servicemembers Civil Relief Act 05/2018
V-12.1 Talent Amendment 09/2016
V-13.1 Military Lending Act 09/2016
V-14.1 Overdraft Payment Programs 09/2015
V-15.1 Secure and Fair Enforcement for Mortgage Licensing Act 09/2015
VI Compliance Depository Issues
VI-1.1 Expedited Funds Availability Act 08/2018
VI-2.1 Electronic Fund Transfer Act 02/2014
VI-3.1 Truth in Savings Act 09/2015
VI-4.1 Garnishment of Accounts Containing Federal Benefits 09/2016
VII Unfair and Deceptive Practices
VII-1.1 Federal Trade Commission Act, Section 5 Unfair or Deceptive Acts or Practices 11/2015
VII-2.1 FTC Rule – Preservation of Claims and Defenses 05/2014
VII-3.1 Fair Debt Collection Practices 01/2014
VII-4.1 Third Party Risk 03/2017
VIII Privacy and Consumer Information
VIII-1.1 Gramm-Leach-Bliley Act (Privacy of Consumer Financial Information) 06/2016
VIII-2.1 Children’s Online Privacy Protection Act (COPPA) 01/2014
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 01/2014
VIII-5.1 Telephone Consumer Protection Act 03/2016
VIII-6.1 Fair Credit Reporting Act 09/2015
IX Retail Sales
IX-1.1 Retail Investment Sales 11/2015
IX-2.1 Retail Insurance Sales 06/2018
X Other Compliance Issues
X-1.1 Advertisement of Membership-Part 328 of FDIC Rules and Regulations 09/2015
X-2.1 Section 42 of the Federal Deposit Insurance (FDI) Act-Branch Closings 06/2013
X-3.1 The Electronic Signatures in Global and National Commerce Act (E-Sign Act) 01/2014
X-4.1 Prohibition Against Use of Interstate Branches Primarily for Deposit Production 09/2015
X-5.1 Bank Subsidiaries and Affiliates 01/2014
XI Community Reinvestment Act
XI-1.1 Community Reinvestment Act 02/2018
XI-2.1 Small Bank 09/2015
XI-3.1 Intermediate Small Bank 09/2015
XI-4.1 Large Bank 09/2015
XI-5.1 Wholesale/Limited Purpose Institution 09/2015
XI-6.1 Institutions with Strategic Plans 09/2015
XI-7.1 CRA Ratings System 06/2006
XI-8.1 CRA Sunshine – Disclosure and Reporting of CRA-Related Agreements 01/2014
XI-9.1 Community Contacts 06/2006
XI-10.1 Full and Limited Scope CRA Assessment Areas 05/2017
XI-11.1 Sampling Guidelines CRA 09/2015
XI-12.1 Interagency Questions and Answers Regarding Community Reinvestment 07/2016
XI-13.1 CRA References 09/2015
XII Community Reinvestment Act Performance Evaluation Templates
XII-1.1 Small Institution 03/2016
XII-2.1 Intermediate Small Institution 03/2016
XII-3.1 Large Institution 03/2016
XII-4.1 Strategic Plan 03/2016
XII-5.1 Wholesale and Limited Purpose 03/2016

Disclaimer:

The Federal Deposit Insurance Corporation (FDIC) has taken reasonable measures to ensure that the information and data presented in the Compliance Examination Manual (Manual) is accurate and current. However, the FDIC makes no express or implied warranty regarding such information or data, and hereby expressly disclaims all legal liability and responsibility to persons or entities that use or access this Manual and its content, based on their reliance on any information or data that is available through this website.

The information available in this Manual is not intended to constitute and should not be considered as legal advice, nor is it intended to substitute for obtaining legal advice from competent, independent, legal counsel in the relevant jurisdiction. Transmission and receipt of this information is not intended to create and does not constitute an attorney-client relationship. This website does not purport to authoritatively interpret current federal statutes, regulations, orders or other federal authority, nor does it bind the FDIC or any other federal agency or entity with regard to the matters presented.

The content of this website is not designed or intended to provide authoritative financial, accounting, investment, or other professional advice which may be reasonably relied on by its readers. If expert assistance in this area is required, the services of a qualified professional should be sought.

This general disclaimer is in addition to, and not in lieu of, any other disclaimers found on pages, applications, or programs within this site. In addition, the terms of this disclaimer extend to the FDIC, its directors, officers, and employees.

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