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Supervision and Examinations

Consumer Compliance Examination Manual

Last Updated: March 28, 2024
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The Consumer Compliance Examination Manual is a primary resource and reference tool for FDIC compliance examination staff to use in support of conducting Consumer Compliance and Community Reinvestment Act examinations and other supervisory activities.  The Manual incorporates examination policies, procedures, and guidance and is available on the FDIC website as a resource for FDIC staff, bankers, and other members of the public.  The Manual is updated on an ongoing basis as compliance examination procedures and supervisory expectations are revised or updated.  FDIC staff and the public can sign up through the FDIC subscription service to receive alerts when the Manual is revised or updated.  The most recent update date for each section is indicated on the webpage as well as in the footer of each section.

Consolidated Compliance Manual – PDF 18Mb (Last Updated: 03/2024) PDF Help

Please note that several sections have been recently updated.

All files are PDF format unless otherwise indicated.

Last Updated
I Manual Introduction 11/2023
I-1.1 Manual Introduction 05/2023
I-2.1 Abbreviations 11/2023
II Consumer Compliance Examinations
II-1.1 Overview of Consumer Compliance Examinations 12/2022
II-2.1 Evaluating Impact of Consumer Harm 06/2019
II-3.1 Compliance Management System 06/2019
II-4.1 Pre-Examination Planning 11/2023
II-5.1 Review and Analysis 11/2023
II-6.1 Communicating Findings 03/2024
II-7.1 Documenting the Examination 11/2023
II-8.1 Investigations and Visitations 11/2023
II-9.1 Enforcement Actions 11/2023
II-10.1 Truth in Lending (TIL) Restitution Verification 09/2015
II-11.1 Appeals 06/2019
II-12.1 Examination and Visitation Frequency 05/2023
II-13.1 Consumer Compliance Rating System 03/2017
II-14.1 Violation Codes 11/2023
II-15.1 Complex Bank Supervision Program 12/2022
III Examination Templates
III-1.1 Sample Letter for Pre-Examination Information Packet 12/2022
III-2.1 Bank of Anytown 06/2022
IV Fair Lending Laws and Regulations
IV-1.1 Fair Lending Laws and Regulations 03/2021
IV-2.1 Appendices 12/2012
IV-3.1 FDIC Fair Lending Scope and Conclusions Memorandum 01/2024
IV-4.1 References 09/2015
V Consumer Compliance Lending Issues
V-1.1 Truth in Lending Act (TILA) 05/2023
V-2.1 Determining Whether TIL Restitution is Required 11/2023
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 Disaster Protection 11/2023
V-7.1 Equal Credit Opportunity Act (ECOA) 03/2022
V-8.1 Fair Housing Act (FHA) 07/2021
V-9.1 Home Mortgage Disclosure Act (HMDA) 07/2021
V-10.1 Consumer Leasing 03/2022
V-11.1 Service Members Civil Relief Act of 2003 11/2022
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 of Mortgage Licensing Act (SAFE Act) 09/2015
V-16.1 Protecting Tenants at Foreclosure Act of 2009 06/2019
V-17.1 Small-Dollar Lending 04/2023
VI Consumer Compliance Depository Issues
VI-1.1 Expedited Funds Availability Act 03/2024
VI-2.1 Electronic Fund Transfer Act 05/2022
VI-3.1 Truth in Savings 05/2023
VI-4.1 Garnishment of Accounts Containing Federal Benefit Payments 09/2016
VII Unfair and Deceptive Practices
VII-1.1 Unfair, Deceptive, and Abusive Practices - Federal Trade Commission Act/Dodd-Frank Act 06/2022
VII-2.1 FTC Rule – Preservation of Claims and Defenses 03/2024
VII-3.1 Fair Debt Collection Practices Act 09/2023
VII-4.1 Third Party Risk 06/2019
VIII Privacy and Consumer Information
VIII-1.1 Gramm-Leach-Bliley Act (Privacy of Consumer Financial Information) 04/2021
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 08/2022
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 11/2023
X Other Consumer Compliance Issues
X-1.1 Advertisement of Membership-Part 328 of FDIC Rules and Regulations 05/2023
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 11/2023
X-6.1 Disclosure Requirements for Sweep Accounts 12/2019
XI Community Reinvestment Act
XI-1.1 Community Reinvestment Act 05/2023
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 03/2022
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 03/2019
XI-12.1 Interagency Questions and Answers Regarding Community Reinvestment 07/2016
XI-13.1 References 02/2021
XII CRA Performance Evaluation Templates
XII-1.1 Small Bank Single-Rated Area 05/2020
XII-2.1 Small Bank Multi-Rated Area 05/2020
XII-3.1 Intermediate Small Bank Single-Rated Area 05/2020
XII-4.1 Intermediate Small Bank Multi-Rated Area 05/2020
XII-5.1 Large Bank Single-Rated Area 05/2020
XII-6.1 Large Bank Multi-Rated Area 05/2020
XII-7.1 Strategic Plan 05/2020
XII-8.1 Wholesale and Limited Purpose 05/2020

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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.