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Regulatory Hot Topics for 2012

Provided below are federal banking agency regulatory releases (in alphabetical order) that resulted in a revision to one or more of our products. Click on any of these links to see detailed subject matter and the related product update:

 

Regulatory Release

CFPB

Updated Product(s)

Fair Credit Act Reporting Correction
Fair Credit Reporting Act Policy

 

Regulation E Final Rule - Remittance Transfers
Regulation E Policy

 

Regulation E Technical Correction
Regulation E Policy

 

Protecting Consumers Sending
Money Internationally
Regulation E Policy

 

Payments to Loan Originators Based on Mortgage Transaction Terms - Reg Z
Regulation Z Policy

 

SAFE Act Examination Manual
Human Resources General Policy
Real Estate Loan Policy
SAFE Act Policy

 

Short-Term, Small-Dollar Lending Examination Manual
Consumer Loan Policy

 

FDIC

Advisory of Effective Credit Risk Management Practices for Purchased Loan Participations
Commercial Loan Policy

 

Annual CRA Asset Size Threshold Adjustments
Community Reinvestment Act Policy

 

Final Rule Regarding Large Bank Stress Tests
Stress Testing Program Policy

 

Investments in Corporate Debt Securities by Savings Associations
Investment Policy

 

Payment Processor Relationships -
Revised Guidance
Automated Clearing House Policy
AML Policy - Bank
BSA Policy - Comprehensive Version
Customer Identification Program Policy
Vendor Management Program Policy

 

Revised Compliance Manual - Part VII. Abusive Practices – Third Party Procedures
Vendor Management Program Policy

 

Supervisory Insights - Summer Edition
Compliance Management Policy
Corporate Governance Policy
Stress Testing Program Policy

 

Federal Reserve

Annual CRA Asset Size Threshold Adjustments
Community Reinvestment Act Policy

 

Delay in Effective Date of Final Rule Related to Regulation D

Indexing of the Reserve Requirement Exemption Amount/Low Reserve Tranche for 2013
Regulation D Policy


Regulation D Policy

 

Investing in Securities
Investment Policy

 

Lenders Decision to Discontinue
Foreclosure Proceedings
Real Estate Loan Policy
Risk Management of Foreclosure Policy

 

Questions and Answers Related to the Management of Other Real Estate Owned (OREO)
Other Real Estate Owned Policy

 

Rental of Residential OREO Properties
Other Real Estate Owned Policy

 

Simplify the Administration of Reserve Requirements
Regulation D Policy

 

Update to FCRA Examination Manual
Fair Credit Reporting Act Policy

FFIEC

Cloud Computing Statement
Cloud Computing Policy
Information Systems Security Policy
Managed Security Service Providers Policy
Vendor Management Program Policy

 

New InfoBase for the Information Technology Examination Handbook
Managed Security Service Providers Policy
Vendor Management Program Policy

 

FinCEN

AML Program and SAR Filing for Non-Bank Mortgage Lenders and Originators
AML Policy - Bank
AML Policy - Loan or Finance Company
BSA Policy - Comprehensive Version
Customer Identification Program Policy

 

CTR Aggregation for Businesses with Common Ownership
BSA Policy - Basic Version
BSA Policy - Comprehensive Version

 

Determining Eligibility for Exemption from CTR Reporting Requirements
BSA Policy - Basic Version
BSA Policy - Comprehensive Version

 

Exemption from the Requirement to
Report Transactions in Currency
BSA Policy - Basic Version
BSA Policy - Comprehensive Version

 

Financial Regulators Release Guidance for the Supervision of Technology Service Providers
Audit Policy
Information Systems Security Policy

 

Suspicious Activity Related to Mortgage Loan Fraud
Anti-Money Laundering Policy Template – Loan Or Finance Company
Real Estate Loan Policy Template
Risk Management of Mortgage Fraud Policy Template

 

Interagency Guidance

Interest Rate Risk - FAQ
Interest Rate Risk Policy

 

Loan and Lease Loss Estimation for
Loans and Lines of Credit Secured by
Junior Liens
Loan Loss Reserve (ALLL) Policy Non-Accrual and Charged-Off Loan Policy

 

Joint Release

Agencies Finalize Large Bank Stress Testing Guidance
Agencies Clarify Supervisory Expectations for Stress Testing for Community Banks
Asset, Liability and Liquidity Policy
Corporate Governance Policy
Liquidity Contingency Funding Plan Policy
Stress Testing Program Policy

 

Honoring America’s Veterans and Caring for Camp Lejeune Families Act
Consumer Loan Policy
Real Estate Loan Policy
Risk Management of Subprime Mortgage Lending Policy
Servicemembers Civil Relief Act Policy

 

Mortgage Servicing Practices Concerning Military Homeowners with Permanent Change of Station Orders
Consumer Loan Policy
Servicemembers Civil Relief Act Policy

 

OCC

Alternatives to the Use of External Credit Ratings
Investment Policy

 

Annual CRA Asset Size Threshold Adjustments
Community Reinvestment Act Policy

 

Community Bank Stress Testing

Guidance for Evaluating Capital Planning and Adequacy

Final Rule Regarding Large Bank Stress Tests
Stress Testing Program Policy

Corporate Governance Policy

Stress Testing Program Policy

 

Interim Final Lending Limit Rule
Asset, Liability and Liquidity Policy
Commercial Loan Policy
Concentrations of Credit Policy
Consumer Loan Policy
General Loan Policy
Real Estate Loan Policy

 

Investor Owned One to Four Family Residential Properties
Real Estate Loan Policy

 

OCC Focuses on Business Lending in Rural Areas
Business & Industry Guaranteed Loan Policy
Commercial Loan Policy

 

Troubled Debt Restructuring -Accounting and Reporting Requirements
Loan Loss Reserve (ALLL) Policy
Non-Accrual and Charged-Off Loan Policy

 

Revised Compliance Manual - Part VII. Abusive Practices – Third Party Procedures
Vendor Management Program Policy

 

  • 2013 Regulatory Hot Topics
  • 2012 Regulatory Hot Topics
  • 2011 Regulatory Hot Topics
  • 2010 Regulatory Hot Topics
  • 2009 Regulatory Hot Topics

Additional information