Mortgages Analyzed
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OCC Bulletin 2018-31
The Office of the Comptroller of the Currency (OCC) issued today the 'Truth in Lending Act' (TILA) booklet of the Comptroller's Handbook. This updated booklet replaces a similarly titled booklet issued in December 2014.

This booklet provides updated guidance and procedures to examiners in connection with changes made to Regulation Z (12 CFR 1026), which implements TILA. The updated OCC booklet includes procedures implementing the Bureau of Consumer Financial Protection’s rule: the Integrate...   Read More
Sep 26, 2018
 
CA 18-3
The Task Force on Consumer Compliance of the Federal Financial Institutions Examination Council recently developed the attached interagency examination procedures for Regulation X - Real Estate Settlement Procedures Act (RESPA) and Regulation Z - Truth in Lending (TILA). These revised examination procedures supersede the examination procedures transmitted with CA Letter 15-6.

The attached procedures reflect the following amendments to Regulation Z and Regulation X published by the Consumer Fi...   Read More
Apr 19, 2018
 
CFPB Bulletin 2017 - Maria
The Consumer Financial Protection Bureau (CFPB) is issuing this statement to advise our supervised entities that the CFPB encourages them to work with consumers affected by Hurricane Maria to make use of existing regulatory flexibility where doing so would benefit consumers affected by this major disaster....   Read More
Sep 22, 2017
 
CFPB Bulletin 2017 - Harvey and Irma
The Consumer Financial Protection Bureau (CFPB) is updating its statement on Hurricane Harvey to also address Hurricane Irma. The CFPB advises our supervised entities that we encourage them to work with consumers affected by Hurricanes Harvey and Irma to make use of existing regulatory flexibility where doing so would benefit consumers affected by these major disasters....   Read More
Sep 08, 2017
 
Compliance Bulletin 2017 - TILA RESPA
On August 4, 2016, the Bureau of Consumer Financial Protection (Bureau) issued a final rule amending certain mortgage servicing rules issued by the Bureau in 2013. The Bureau is now issuing non-binding policy guidance relating to a three-day period of early compliance with the 2016 final rule. Some provisions in the 2016 final rule will take effect on Oct. 19, 2017; the remainder will take effect on April 19, 2018. This non-binding policy guidance addresses early compliance for up to three days ...   Read More
Jun 27, 2017
 
FRB Consumer Compliance Handbook
Consumer Compliance Handbook contains examination objectives, procedures, and other instructions for planning and conducting consumer compliance and Community Reinvestment Act examinations and for preparing and distributing examination findings. The handbook is intended as guidance for Federal Reserve examiners and other supervisory personnel and should not be considered a legal reference to the regulations of the Federal Reserve Board or to federal banking laws....   Read More
Dec 01, 2016
 
FIL-56-2016
As part of the FDIC's Community Banking Initiative, the FDIC is announcing the release of updated technical assistance videos on the Ability-to-Repay and Qualified Mortgages Rule. The updated videos provide financial institution management, compliance officers, and staff with resources for a better understanding of the current requirements of the Ability-to-Repay and Qualified Mortgages Rule.

Highlights:

- To assist institutions with their compliance efforts, the FDIC is issuing updates to...   Read More
Aug 17, 2016
 
FIL-16-2016
The Federal banking agencies issued an advisory to clarify supervisory expectations for using an evaluation for certain real estate-related transactions in response to questions raised during outreach meetings held pursuant to the Economic Growth and Regulatory Paperwork Reduction Act. Many of the questions pertained to when an evaluation is permitted for a real estate-related transaction and how an evaluation can support a market value conclusion when there are few or no recent comparable sales...   Read More
Mar 04, 2016
 
OCC Bulletin 2015-42
The Office of the Comptroller of the Currency (OCC) is providing guidance regarding initial examinations of OCC-supervised institutions for compliance with the Truth in Lending Act and Real Estate Settlement Procedures Act Integrated Disclosure Rule. The rule went into effect on October 3, 2015.

The key highlights are:

- During initial examinations for compliance with the rule, OCC examiners are evaluating a bank’s compliance management system and overall efforts to come into compliance...   Read More
Nov 06, 2015
 
CA 15-10
This letter provides guidance on the Federal Reserve Board's supervisory expectations in connection with early examinations of Board-supervised institutions for compliance with the TILA-RESPA Integrated Disclosure Rule (the Rule), which was effective on October 3, 2015.

The Federal Reserve expects supervised institutions to make good faith efforts to comply with the Rule's requirements in a timely manner. Accordingly, during early examinations, examiners will evaluate an institution's complia...   Read More
Oct 21, 2015
 
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