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Banker Resource Center

Predatory Lending Resources

The FDIC addresses the problem of predatory lending by taking supervisory action, by encouraging and assisting banks to serve all sectors of their community, and by providing consumers with information to help make informed financial decisions. The following guidance and information should be consulted for additional details about matters discussed in the FDIC's January 22, 2007, Supervisory Policy on Predatory Lending.

Supervision

  • Interagency Guidance on Nontraditional Mortgage Product Risks, and Addendum to Credit Risk Management Guidance for Home Equity Lending FIL-89-2006, October 5, 2006.
  • Home Equity Lending Credit Risk Management Guidance FIL-45-2005, May 24, 2005.
  • Overdraft Protection Programs Joint Agency Guidance FIL-11-2005, February 18, 2005.
  • Unfair or Deceptive Acts or Practices Under Section 5 of the Federal Trade Commission Act FIL-26-2004, March 11, 2004.
  • Expanded Guidance for Evaluating Subprime Lending Programs FIL-9-2001, January 31, 2001.
  • Uniform Retail Credit Classification and Account Management Policy FIL-40-2000, June 29, 2000.
  • Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq.
  • FTC Rule on Preservation of Consumer Claims and Defenses, 16 C.F.R. § 433.
  • Interagency Fair Lending Examination Procedures - PDF 927kb (PDF Help), August 2009.

Community Reinvestment/Community Affairs

Consumer Information

Complaints or inquiries against a bank must be submitted in writing.

Online:

In Writing:

  • 1100 Walnut Street
    Box #11
    Kansas City, MO 64106

By telephone for General Inquiries Only:

  • At 877-275-3342 Monday through Friday from 7:00 am to 5:00 pm CT. On Saturday from 7:00 am to 12:00 pm CT. Excluding Holidays.

Last Updated: August 11, 2023