HomeLatest Information 2022
December 2022
OCC: Community Reinvestment Act: Revision of Small and Intermediate Small Bank and Savings Association Asset Thresholds
CFPB: Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold
Federal Register
CFPB: Civil Penalty Inflation Adjustments
CFPB: Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold
Federal Register
FEMA: Congressional Reauthorization for the National Flood Insurance Program
FRB/FDIC/OCC: Extension of the Revised Statement Regarding Status of Certain Investment Funds and Their Portfolio Investments for Purposes of Regulation O and Reporting Requirements under Part 363 of FDIC Regulations
FRB
FDIC
OCC
FinCEN: Trends in Bank Secrecy Act Data: Financial Activity by Russian Oligarchs in 2022
CFPB: Truth in Lending (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and Qualified Mortgages)
Federal Register:
FDIC: Proposed Rule To Modernize the Use of the FDIC Official Sign and Advertising Statement and to Clarify its Regulations Regarding False Advertising, Misrepresentations About Insured Status, and Misuse of the FDIC’s Name or Logo
CFPB: Home Mortgage Disclosure (Regulation C); Judicial Vacatur of Coverage Threshold for Closed-End Mortgage Loans; Technical amendment
FRB: Inactive Supervisory Guidance
FRB/FDIC: Annual asset-size thresholds under Community Reinvestment Act regulations
Federal Register:
FEMA: Congressional Reauthorization for the National Flood Insurance Program
CFPB: Notice of Availability of Revised Consumer Information Publication
Federal Register
English and Spanish Versions
FinCEN: NPRM Regarding Access to Beneficial Ownership Information and Related Safeguards
FRB: Final rule that implements Adjustable Interest Rate (LIBOR) Act by identifying benchmark rates based on SOFR (Secured Overnight Financing Rate) that will replace LIBOR in certain financial contracts after June 30, 2023
CFPB: Notice of Intent to Make Preemption Determination under the Truth in Lending Act
FFIEC: Federal Bank Regulatory Agencies Release 2021 Small Business, Small Farm, and Community Development Lending Data
OCC: Fair Debt Collection Practices Act: Revised Interagency Examination Procedures and Rescissions
FDIC: Proposed Rule To Modernize the Use of the FDIC Official Sign and Advertising Statement and to Clarify its Regulations Regarding False Advertising, Misrepresentations About Insured Status, and Misuse of the FDIC’s Name or Logo
CFPB: Notice of Intent to Make Preemption Determination under the Truth in Lending Act
CFPB: Protecting Those Who Protect Us: Evidence of activated Guard and Reserve servicemembers’ usage of credit protections under the Servicemembers Civil Relief Act
FFIEC: 2022 CRA Data Entry Software Release 2
FDIC: List of Banks Examined for CRA Compliance
November 2022
OCC: Civil Money Penalty Manual Revised
FDIC: CRA Examination Schedules for First and Second Quarters 2023
OCC: CRA Examination Schedules for First and Second Quarters 2024
CFPB: Fair Credit Reporting Act Disclosures Annual Adjustment
Federal Register
CFPB: Reasonable Investigation of Consumer Reporting Disputes
CFPB: Supervisory Highlights Fall 2022
CFPB: Supervisory Highlights Fall 2022
2022 Fair Lending Interagency Webinar
CFPB: Reasonable Investigation of Consumer Reporting Disputes
CFPB Circular 2022-06: Unanticipated Overdraft Fee Assessment Practices
CFPB Compliance Bulletin 2022-06: Unfair Returned Deposited Item Fee Assessment Practices
CFPB: An Analysis of Consumer Complaints Related to Crypto-Assets
CFPB: Guidance to Help Banks Avoid Charging Illegal Junk Fees on Deposit Accounts
FDIC: List of Banks Examined for CRA Compliance
FinCEN: Analysis Reveals Ransomware Reporting in BSA Filings Increased Significantly During the Second Half of 2021
CFPB: Debt Collection Practices (Regulation F); Corrections
October 2022
FRB: Consumer Compliance Outlook
FinCEN: FATF Identifies Jurisdictions with AML/CFT/CPF Deficiencies
CFPB: Advisory Opinion – Fair Credit Reporting; Facially False Data
FinCEN: Renews and Expands Real Estate Geographic Targeting Orders
CFPB: Guidance to Help Banks Avoid Charging Illegal Junk Fees on Deposit Accounts
Consumer Financial Protection Circular 2022-06: Unanticipated Overdraft Fee Assessment Practices
Compliance Bulleting 2022-06: Unfair Returned Deposited Item Fee Assessment Practices
FDIC: Updated FFIEC Cybersecurity Resource Guide for Financial Institutions
CFPB: Advisory Opinion – Fair Credit Reporting; Facially False Data
CFPB, FRB, OCC: Threshold for Smaller Loan Exemption from Appraisal Requirements for Higher-Priced Mortgage Loans
CFPB, FRB: Dollar Thresholds in Regulation Z and Regulation M for Exempt Consumer Credit and Lease Transactions
CFPB: Threshold for Smaller Loan Exemption from Appraisal Requirements for Higher-Priced Mortgage Loans
FRB: Threshold for Smaller Loan Exemption from Appraisal Requirements for Higher-Priced Mortgage Loans
OCC: Threshold for Smaller Loan Exemption from Appraisal Requirements for Higher-Priced Mortgage Loans
FRB: Dollar Thresholds in Regulation Z and Regulation M for Exempt Consumer Credit and Lease Transactions
CFPB, Dollar Thresholds in Regulation Z and Regulation M for Exempt Consumer Credit and Lease Transactions
OCC: Acting Comptroller Discusses Identifying Crypto Risks
OCC: Acting Comptroller Discusses Crypto and the Regulatory Perimeter
CFPB: Supervisory Highlights
FFIEC: Update to Cybersecurity Resource Guide for Financial Institutions
FDIC: List of Banks Examined for CRA Compliance
September 2022
FEMA: Congressional Reauthorization for the National Flood Insurance Program
CFPB: Request for Information Regarding Mortgage Refinances and Forbearances
Final Rule for Beneficial Ownership Reporting to Support Law Enforcement Efforts, Counter Illicit Finance, and Increase Transparency (FinCEN; Federal Register and Fact Sheet)
FinCEN
Federal Register
Fact Sheet
CFPB: Consumer Financial Protection Circular 2022-05 Debt collection and consumer reporting practices involving invalid nursing home debts
CFPB: 2021 Mortgage Market Activity and Trends
CFPB: CFPB Study Details the Rapid Growth of “Buy Now, Pay Later” Lending
OCC: OCC Enforcement Actions and Terminations
OFAC: Publication of Russian Harmful Foreign Activities Sanctions Regulations Determination
OCC: Information Security: Expectations for Protecting Non-public OCC Information on Institution- or Other Non-OCC-Owned or Managed Video Teleconferencing Services
CFPB: CFPB and Centers for Medicare and Medicaid Services Take Action to Protect Caregivers and Families from Illegal Nursing Home Debt Collection Practices
CFPB: Consumer Financial Protection Circular 2022-05
Debt collection and consumer reporting practices involving invalid nursing home debts
FFIEC: Updated Supplemental Guide for Quarterly Filers for data collected in 2022
FFIEC: Updated Filing Instructions Guide (FIG) for data collected in 2022
OCC: OCC Releases CRA Evaluations for 31 National Banks and Federal Savings Associations
OFAC: Cyber-Related Sanctions Regulations
(Federal Register)
FDIC: List of Banks Examined for CRA Compliance
August 2022
OCC: Fourth Quarter 2022 and First Quarter 2023 CRA Evaluation Schedule
FFIEC: HMDA Quarterly Graph Tool Release
FFIEC: 2022 FFIEC Census File Information (Release dated 08/26/2022)
FDIC: Supervisory Guidance on Multiple Re-Presentment NSF Fees
CFPB: Limited Applicability of Consumer Financial Protection Act’s “Time or Space” Exception With Respect to Digital Marketing Providers (Federal Register)
FRB: Federal Reserve Board provides additional information for banking organizations engaging or seeking to engage in crypto-asset-related activities
FDIC: List of Banks Examined for CRA Compliance
FDIC: Summer 2022 Supervisory Insights Journal
OCC: list of Banks Examined for CRA Compliance
CFPB: Semiannual Regulatory Agenda – Small Business Lending Data Collection Under the ECOA (Federal Register)
FDIC: Fair Housing Rule, Consumer Protection in Sales of Insurance Rule; Technical Correction (Federal Register)
FRB: Consumer Compliance Outlook
CFPB: Digital Marketing Providers Must Comply with Federal Consumer Finance Protections
CFPB: Interpretive Rule – Consumer Financial Protection Act (CFPA) “Time or Space” Exception with Respect to Digital Marketing Providers
CFPB: Action to Protect the Public from Shoddy Data Security Practices;
Circular 2022-04 Insufficient Data Protection for Sensitive Consumer Information
FDIC: Fair Housing Rule, Consumer Protection in Sales of Insurance Rule; Technical Correction (Federal Register)
July 2022
FDIC: Advisory Regarding Deposit Insurance and Dealings with Crypto Companies
FDIC: Fact Sheet to the Public on FDIC Deposit Insurance and Crypto Companies
CFPB: Debt Collection Rule Frequently Asked Questions
FFIEC: 2022 List of Distressed or Underserved Nonmetropolitan Middle-Income Geographies
CFPB: Advisory Opinion – Fair Debt Collection Practices Act – Pay-to-Pay Fees
Joint Agencies: Statement on the Risk-Based Approach to Assessing Customer Relationships and Conducting Customer Due Dilgence
CFPB: Advisory to Protect Privacy When Companies Compile Personal Data
FRB: Standard Information Request (SIR) Process
OCC: CRA Evaluations for 18 National Banks and Federal Savings Associations
CFPB: Interpretive Rule – The Fair Credit Reporting Act’s Limited Preemption of State Laws
CFPB: Advisory to Protect Privacy When Companies Compile Personal Data
FRB: NPRM – Regulation Implementing the Adjustable Interest Rate (LIBOR) Act
June 2022
FDIC: List of Banks Examined for CRA Compliance
CFPB: Advisory Opinion – Fair Debt Collection Practices Act – Pay-to-Pay Fees
CFPB: ANPR Credit Card Late Fees and Late Payments
FDIC/FRB/OCC: Host State LTD Ratios
CFPB: Interpretive Rule – The Fair Credit Reporting Act’s Limited Preemption of State Laws
FinCEN/BIS: Joint Alert on Potential Russian and Belarusian Export Control Evasion Attempts
CFPB: Final Rule – Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking (Regulation V)
OCC: Report on Key Risks Facing Federal Banking System
FinCEN: Jurisdictions with Anti-Money Laundering and Combating the Financing of Terrorism and Counter-Proliferation Deficiencies
CFPB: ANPR Credit Card Late Fees and Late Payments
FinCEN: Statement on Bank Secrecy Act Due Diligence for Independent ATM Owners or Operators
CFPB: Request for Information Regarding Relationship Banking and Customer Service
FFIEC: Availability of 2021 Data on Mortgage Lending
FinCEN: FinCEN Issues Advisory on Elder Financial Exploitation
CFPB: Request for Information Regarding Relationship Banking and Customer Service
CFPB: Circular 2022-03 Adverse Action Notification Requirements in Connection with Credit Decisions Based on Complex Algorithms
CFPB: Circular 2022-02 Deceptive Representations Involving the FDIC’s Name or Logo or Deposit Insurance
CFPB: Circular 2022-01 System of Consumer Financial Protection Circulars to Agencies Enforcing Federal Consumer Financial Law
CFPB: Office of Servicemember Affairs 2021 Annual Report
FinCEN: Advance Notice of Proposed Rulemaking for No-Action Letter Process
FRB: Results from annual bank stress tests will be released on Thursday, June 23
FRB: Second tool to help community financial institutions implement the Current Expected Credit Losses (CECL) accounting standard
CFPB: Homeowner Assistance Fund (HAF) Flyer
FDIC: List of Banks Examined for CRA Compliance
CFPB: Advisory Opinion – Fair Debt Collection Practices Act – Pay-to-Pay Fees
CFPB: ANPR Credit Card Late Fees and Late Payments
FDIC/FRB/OCC: Host State LTD Ratios
CFPB: Interpretive Rule – The Fair Credit Reporting Act’s Limited Preemption of State Laws
FinCEN/BIS: Joint Alert on Potential Russian and Belarusian Export Control Evasion Attempts
CFPB: Final Rule – Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking (Regulation V)
OCC: Report on Key Risks Facing Federal Banking System
FinCEN: Jurisdictions with Anti-Money Laundering and Combating the Financing of Terrorism and Counter-Proliferation Deficiencies
CFPB: ANPR Credit Card Late Fees and Late Payments
FinCEN: Statement on Bank Secrecy Act Due Diligence for Independent ATM Owners or Operators
CFPB: Request for Information Regarding Relationship Banking and Customer Service
FFIEC: Availability of 2021 Data on Mortgage Lending
FinCEN: FinCEN Issues Advisory on Elder Financial Exploitation
CFPB: Request for Information Regarding Relationship Banking and Customer Service
CFPB: Circular 2022-03 Adverse Action Notification Requirements in Connection with Credit Decisions Based on Complex Algorithms
CFPB: Circular 2022-02 Deceptive Representations Involving the FDIC’s Name or Logo or Deposit Insurance
CFPB: Circular 2022-01 System of Consumer Financial Protection Circulars to Agencies Enforcing Federal Consumer Financial Law
CFPB: Office of Servicemember Affairs 2021 Annual Report
FinCEN: Advance Notice of Proposed Rulemaking for No-Action Letter Process
FRB: Results from annual bank stress tests will be released on Thursday, June 23
FRB: Second tool to help community financial institutions implement the Current Expected Credit Losses (CECL) accounting standard
CFPB: Homeowner Assistance Fund (HAF) Flyer
May 2022
FDIC: List of Banks Examined for CRA Compliance
Joint Agencies: Joint Proposal to Strengthen and Modernize Community Reinvestment Act Regulations
FDIC: Final Rule Regarding False Advertising, Misrepresentations About Insured Status, and Misuse of Name or Logo
OCC: CRA Evaluations for 29 National Banks and Federal Savings Associations
FDIC: CRA Examination Schedule for Q3 & Q4 2022
FDIC, FRB, OCC: Loans in Areas Having Special Flood Hazards; Interagency Questions and Answers Regarding Flood Insurance
CFPB: Circular 2022-03 Adverse Action Notification Requirements in Connection with Credit Decisions Based on Complex Algorithms
CFPB: Interpretive Rule Seeks to Clarify Scope of States’ Ability to Enforce Federal Consumer Financial Protection Laws
OCC: Third and Fourth Quarter 2022 CRA Evaluation Schedule
CFPB: New Effort to Promote Competition and Innovation in Consumer Finance
CFPB: Interpretive Rule Seeks to Clarify Scope of States’ Ability to Enforce Federal Consumer Financial Protection Laws
FDIC: Small Entity Compliance Guide related to Simplification of Deposit Insurance Rules for Trust and Mortgage Servicing Accounts
CFPB: Advisory Opinion on Coverage of Fair Lending Laws
CFPB: Deceptive Representations Involving the FDIC’s Name or Logo or Deposit Insurance
FDIC: Final Rule Regarding False Advertising, Misrepresentations About Insured Status, and Misuse of Name or Logo
CFPB: Report on Mortgage Servicing Metrics
Joint Agencies: Revised Interagency Q&A Regarding Flood Insurance: OCC
Joint Agencies: Revised Interagency Q&A Regarding Flood Insurance: FRB
Joint Agencies: Revised Interagency Q&A Regarding Flood Insurance: FDIC
CFPB: Advisory Opinion on Coverage of Fair Lending Laws
CFPB: 2021 Fair Lending Report Federal Register
CFPB: 2021 Fair Lending Report
HUD: Form HUD-92070 SCRA Notice Disclosure
Joint Agencies: Joint Proposal to Strengthen and Modernize Community Reinvestment Act Regulations
OCC: CRA Evaluations
FDIC: List of Banks Examined for CRA Compliance
CFPB: Supervisory Report Finds Unlawful Auto Repossessions, Breakdowns in Credit Report Disputes
FinCEN: Renewal and Expansion of Geographic Targeting Orders
FRB: Consumer Compliance Outlook
CFPB: Spanish Translations for Certain Model and Sample Forms in the Prepaid Rule (Regulation E) and Adverse Action (Regulation B)
Access the Prepaid Rule forms here
Access the ECOA/Regulation B forms here
April 2022
OCC: Workshops for Directors of National Community Banks and Federal Savings Associations
CFPB Releases Report on Financial Challenges Facing Rural Communities
FinCEN: Advisory on Kleptocracy and Foreign Public Corruption
OCC: Bulletin 2022-13: SARs: OCC Authority for Exemptions to SAR Requirements: Final Rule
FFIEC: 2022 HMDA Reporting Getting It Right!
OCC: List of Banks Examined for CRA Compliance
FDIC: Request for Comment on Statement of Principles for Climate-Related Financial Risk Management for Large Financial Institutions
FDIC: List of Banks Examined for CRA Compliance
OCC: Community Developments Investments
CFPB: Proposed Rule Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking (Regulation V)
Federal Register
FDIC: Notification of Engaging in Crypto-Related Assets
March 2022
FDIC: Consumer Compliance Supervisory Highlights
FFIEC: Census Flat Files
FFIEC: 2022 CRA Data Entry Software
FDIC: Request for Comment on Statement of Principles for Climate-Related Financial Risk Management for Large Financial Institutions
Agencies: OCC Computer-Security Incident Notification Implementation
Agencies: FRB Computer-Security Incident Notification Implementation
Agencies: FDIC Computer-Security Incident Notification Implementation
CFPB: Credit Card Late Fees
CFPB: Notice and Request for Comment Regarding Fees Imposed by Providers of Consumer Financial Products or Services
CFPB: Compliance Bulletin – Unfair and Deceptive Acts or Practices That Impede Consumer Reviews
CFPB: Statement on Appraisal Task Force Report
CFPB: 2021 HMDA LAR Availability – The modified LARs can be accessed here
CFPB: Compliance Bulletin – Unfair and Deceptive Acts or Practices That Impede Consumer Reviews
FFIEC: 2022 FFIEC Census Products – The tentative release schedule is provided here
FFIEC: 2022 FFIEC Census Products
OCC: Final Rule Addressing Authority for Exemptions to SAR Requirements
FinCEN: FIU Working Group Statement of Intent
FinCEN: Alert on Real Estate, Luxury Goods, and Other High-Value Assets Involving Russian Elites, Oligarchs, and their Family Members
FinCEN: Actions to Support REPO Multilateral Task Force and Ongoing U.S. Government Efforts to Combat Foreign Government Corruption
CFPB: Updated Exam Manual for Evaluating UDAAPs
FATF: Jurisdictions with Anti-Money Laundering and Combating the Financing of Terrorism and Counter-Proliferation Deficiencies
FinCEN: Increased Vigilance Advised for Potential Russian Sanctions Evasion Attempts
FinCEN: Red Flags on Potential Russian Sanctions Evasion Attempts
February 2022
FDIC: List of Banks Examined for CRA Compliance
CFPB: 2021 HMDA LAR Availability – The modified LARs can be accessed here
CFPB: Servicer Responsibilities in Public Service Loan Forgiveness Communications (Federal Register notice)
CFPB: Mitigating Harm From Repossession of Automobiles
(3/3/22: Federal Register notice)
FDIC: CRA Examination Schedules for Second and Third Quarters 2022
CFPB: Rising Car Prices Means More Auto Loan Debt
CFPB: Compliance Bulletin on the EFTA’s Compulsory Use Prohibition and Government Benefit Accounts (Federal Register notice)
CFPB: Factsheet – Prepaid Interest and the General Qualified Mortgage APR Special Rule for Adjustable Rate Mortgages
OCC: Second and Third Quarter 2022 CRA Evaluation Schedule
OCC: FAQs Regarding the Final Rule to Rescind the June 2020 CRA Rule
CFPB: Using Special Purpose Credit Programs to Serve Unmet Credit Needs
Interagency Statement on Special Purpose Credit Programs Under the ECOA and Regulation B Interagency Statement:
CFPB: Servicer Responsibilities in Public Service Loan Forgiveness Communications
FRB: Consumer Compliance Outlook
CFPB: Facilitating the LIBOR Transition (Regulation Z); Correction Federal Register:
CFPB: Compliance Bulletin on the EFTA’s Compulsory Use Prohibition and Government Benefit Accounts
OCC: Modernization of the Community Reinvestment Act
FinCEN: Rapid Response Program (RRP) Fact Sheet
FinCEN: Statement Regarding Beneficial Ownership Information Reporting and Next Steps
CFPB: 2022 Reportable HMDA Data Reference Chart
OCC: Virtual Workshops for Community Bank Directors
FDIC: Priorities for 2022
Joint Agencies: 2022 National Interagency Community Reinvestment Conference
January
FDIC: Podcast Series on Financial Inclusion and Minority Banks
FDIC: List of Banks Examined for CRA Compliance
Federal Register notice: CFPB: Request for Information Regarding Fees Imposed by Providers of Consumer Financial Products or Services
OCC: CRA Evaluations for 16 National Banks and Federal Savings Associations
CFPB: Rural and Underserved Areas and Counties List for 2022
CFPB: Rural and Underserved Areas and Counties Tool for 2022
Federal Register: FDIC: Notification to Institutions Covered by the Recordkeeping for Timely Deposit Insurance Determination Rule Regarding Amendments to the Deposit Insurance Coverage Rules
CFPB: Request for Information Regarding Fees Imposed by Providers of Consumer Financial Products or Services
Federal Register: FinCEN: Proposed Rule for SAR Sharing Pilot Program to Combat Illicit Finance Risks
FinCEN: Proposed Rule for SAR Sharing Pilot Program to Combat Illicit Finance Risks
Federal Register: FinCEN: Inflation Adjustment of Civil Money Penalties
Federal Register: FDIC: Final Rulemaking on Simplification of Deposit Insurance Rules for Trust and Mortgage Servicing Accounts
FDIC: Final Rulemaking on Simplification of Deposit Insurance Rules for Trust and Mortgage Servicing Accounts
FRB: Money and Payments: The U.S. Dollar in the Age of Digital Transformation
CFPB: Compliance Bulletin and Policy Guidance: Medical Debt Collection and Consumer Reporting Requirements in Connection with the No Surprises Act Federal Register
OCC: Notice of Inflation Adjustments for Civil Money Penalties
CFPB: HMDA 2022 Filing Reminders and Tips
CFPB: Notice of Inflation Adjustments for Civil Money Penalties
Federal Register:
OCC: Acting Comptroller Discusses Crypto-Assets and Regulation
CFPB: Compliance Bulleting and Policy Guidance: Medical Debt Collection and Consumer Reporting Requirements in Connection with the No Surprises Act
OCC: Notice of Inflation Adjustments for Civil Money Penalties
Federal Register:
FDIC: Notice of Inflation Adjustments for Civil Money Penalties Federal Register:
OCC: CRA Evaluations for 23 National Banks and Federal Savings Associations
CFPB: 2021 HMDA Data Filing Period Open
FDIC: CRA Evaluations
CFPB: Annual Report of Consumer and Credit Reporting Complaints
