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Exam & Risk Management

Dodd-Frank Act developments are tagged .

Compliance Risk Management 

• ABA Compliance Audit Manual
• ABA Letter re: G20 High-Level Principles on Financial Consumer Protection (10/10/11)
• ABA Letter to OECD re: High-level Principles on Financial Consumer Protection (8/31/11)
• Basel: Compliance and the Compliance Function in Banks (April 2005)
  The Basel Committee on Supervision issues a high level paper describing basic principles expected of bank compliance programs. 
• May/June 2007 Compliance Magazine Contents: Military Payday Loans
• SOX 404 Process Needs to be More Reasonable (4/13/05)
• Supreme Court Ruling Leaves FSG as Baseline for Compliance (1/12/05)
• KPMG Article: About That Compliance Thing (Nov/Dec 2004)
• ABA Bank Compliance Article: Compliance Risk: Ensuring the Risk Taken is the Risk Intended (May/June 2004)
• ABA Bank Compliance Article: Corporate Governance, Business Ethics and Global Compliance Management (March/April 2003)  
• Basel Committee on Customer Due Diligence for Banks (October 2001)

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Consumer Financial Protection Bureau 

• cfpBureau Watch
  News on the Consumer Financial Protection Bureau (CFPB).
•  Joint Comment to CFPB on Disclosure of Records and Information (9/26/11)
• Model Introductory Letter (7/21/11)
•  CFPB Outlines Approach to Bank Supervision, Bank Examination to Begin July 21 (7/12/11)

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Federal Reserve

• BSA Exam Manual
• Revised Interagency Examination Procedures for Regulation Z (12/23/11)
• Fed Article on Designing Effective Disclosures for Consumers (8/10/11)
• Consumer Compliance Handbook Updated (7/5/11)
• Interagency Exam Procedures on Risk-Based Pricing Rules (12/2/10)
  On December 2, 2010, revised interagency examination procedures pertaining to the Risk-Based Pricing rules effective January 1, 2011 were issued.  
• Fed Publication Focuses on Culture of Compliance (10/28/09)
• Fed Governor Bies Addresses ERM and Mortgage Lending at NCUA Summit (1/11/07)
• Fed Governor Addresses Risk Management in Community Banks (6/6/06)
• Governor Olson Addresses Compliance Risk Management in a Diversified Environment (5/16/06)
• ABA Letter to Governor Bies on Supervisory Trends re: Directors (4/28/05)
• Fed Explains Compliance Expectations in Citi Order (3/16/05)
• Fed GC Alvarez Addresses Enterprise Risk and Compliance (3/7/05)
• Risk-focused Consumer Compliance Supervision Program, 2003

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•  OCC-OTS Merger
• OCC Compliance Handbooks
• OCC BSA/AML Exam and Related Guidance
• OTS BSA Resources
• OTS Exam Handbooks
•  OCC Revises Enforcement Action Policy (9/9/11)
•  OCC Issues Final Rule to Implement Provisions of the Dodd-Frank Act (7/20/11)
• OCC Guidance: Foreclosure Management Review Assessment (6/30/11)
•  OCC Issues Proposal on Transfer of OTS Functions, Pre-emption (5/26/11)
• OCC SCRA Revised Examination Procedures (5/3/11)
• OCC: Truth In Lending Act Handbook (December 2010)
• OCC Updates RESPA Exam Procedures (9/9/10)
• OCC National Appeals Process Ensures Fairness in Bank Supervision (8/2/10)
• OTS Brochure Helps Consumers Find the Right Mortgage Loans (4/1/10)
• OCC: HMDA Booklet Revised (February 2010)
• OCC: Fair Lending Handbook (January 2010)
• OCC Handbook on Other Consumer Protection Laws and Regulations (August 2009) 
• OTS Revises CRA Exam Procedures (07/02/07) 
• OTS Issues Gift Card Guidance (2/28/07)
• OTS' National Housing Forum Tackles Pertinent Issues on the U.S. Housing Market (1/9/07)
• OCC Imposes CMP Against Grant Thornton LLP (12/8/06)
• OCC and CSBS Reach Agreement on Consumer Complaint Information-Sharing (11/20/06)
• OCC Issues Guidance on ACH Risk Management (9/1/06)
• OTS Updates Q&A on BSA/AML "Getting it Right" Outreach Call (8/31/06)
• OCC Issues Guidance on Bank Gift Card Marketing (8/14/06)
• OTS: Thrift Subs Can Export Interest Rates (8/2/06) 
• OCC Guidance on Class Action Fairness Compliance (4/21/06)
• OCC: Insider Activities Handbook (March 2006)
• OCC: Process for Taking Administrative Enforcement Actions Based on BSA Violations (12/23/05)
• OCC: Anti-Fraud Resource Page (11/30/05)
• OCC: BSA Quality Control Report Issued (7/15/05)
• OCC: Pre-emption: Wachovia Bank v. Burke (7/11/05)
• OCC Sues NY AG Spitzer (6/16/05) 
• Acting Comptroller Discusses Reputation Risk (5/6/05)
• Acting Comptroller Addresses Compliance Burden (3/11/05)
• OCC: Guidelines for Residential Mortgage Lending Practices (2/28/05)
• OTS: HMDA Examination Procedures (2/18/05)
• OTS: Check 21 Procedures (2/18/05)
• Acting Comptroller Urges New Approach to Consumer Protection (1/12/05)
• OCC Studies Selectivity Bias in Certain Credit Score Models (12/27/04)
• OCC: Retail Lending Exam Procedures Covers UDAP and Overdraft (12/22/04)
• OTS: Compliance Oversight Exam Program (11/30/04)
• OTS: Compliance Program for Savings Association Agent Management (10/25/04) 

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Federal Deposit Insurance Group

• Compliance Exam Guidance
• FDIC FIL
• OIG Reports on FDIC's Implementation of 2005 CRA Amended Regs (5/31/07)
• OIG Report Finds FDIC Flood Insurance Coverage Adequate (5/31/07)
• FDIC Compliance Exam Handbook (3/07)
• FDIC Publication Focuses on UDAP, Data Breach and BSA (1/3/07)
• FDIC Issues Guidelines for Environmental Risk Program (11/20/06)
• FDIC IG Issues Report on Compliance Supervisory Actions (11/14/06)
• FDIC IG Issues Report on Examiner Use of HMDA Data (11/14/06)
• Inspector General Evaluates FDIC Predatory Lending Policy (6/27/06)
• FIL on Codes of Conduct (10/21/05)
• ANPR On Pre-Emptive Effect of State Laws (7/19/05)
• FDIC Proposes Higher Part 363 Audit Threshold (7/19/05)
• Fair Lending Implications of Credit Scoring (6/27/05)
• Indirect Auto and Compliance (6/27/05)
• Payday Lending Exams (3/2/05)
• Guidance on BSA/AML Software Due Diligence  (11/16/04)

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FFIEC and Other Interagency

• CRA Exam Procedures
• FFIEC IT Exam Handbook
• FFIEC BSA/AML Exam Manual Resource Page
• Interagency SCRA Exam Procedures (CA 09-2) - REVISED (8/15/11)
  
  • ABA's Servicemembers Civil Relief Act (SCRA) topics page
• FFIEC Supplemental Guidance on Internet Banking Authentication (6/28/11)
• HMDA Getting It Right 
• ABA Staff Analysis: Secure and Fair Enforcement for Mortgage Licensing Act  (8/3/10)
• FFIEC Issues Updated Retail Payment Systems Booklet (2/26/10)
• Updated Regulation DD Exam Procedures (12/16/09)
• Revised Interagency Examination Procedures for HMDA (10/1/09)
• FATF Issues Two Reports on Money Laundering Risks (11/2/06) 
• OMB Reinforces Strict Adherence to Safeguard Standards (6/26/06)
• Interagency CRA Exam Guidance Issued (4/10/06)
• Agencies Issue Exam Guidance On CAN-SPAM Act (3/30/06)
• Interagency Advisory On External Auditor Limitation of Liability Provisions (2/3/06)
• Agencies Issue Exam Guidance for Katrina Impact Areas (2/2006)
• Small Bank CRA Examination Procedures (2/06)
• Intermediate Small Institution CRA Examination Procedures
• Large Bank CRA Examination Procedures (2/06)
• Wholesale / Limited Purpose CRA Examination Procedures (2/06)
• Strategic Plan CRA Examination Procedures (2/06) 
• Agencies Issue Final Post-employment Rules for Examiners (11/18/05)
• Agencies Issue Guidance On Internet Authentication (10/12/05)
• Agencies Issue Intermediate Small Bank CRA Exam Procedures (8/10/05) 
• Basel Committee Seeks Comment on Draft Corporate Governance Paper (7/29/05) 
• ML Enforcement: US Atty's Manual (7/12/05)
• Updated Riegle-Neal Loan-to-Deposit Ratios (7/8/05)
• FFIEC Issues BSA/AML Examination Manual (6/30/05)
• Interagency Home Equity Lending Credit Risk Guidance (5/16/05)
• Agencies Remind Banks of Rating Confidentiality (2/28/05)
• Reg CC Exam Procedures Updated for Check 21 (11/5/04)

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