Compliance Resources
Community Reinvestment Act - Fair
Lending - Financial Privacy
Flood Insurance - Funds Availability
- Home Mortgage Disclosure Act
Internet Banking - Real Estate
Settlement Procedures Act
Community Reinvestment Act
Overview of the Community Reinvestment
Act (“CRA”)
Summary of CRA's requirements.
CRA Bank Ratings, Approved
Strategic Plans, and Quarterly Exam Schedules
Information on bank CRA ratings, strategic plans, and exam schedules.
(Federal Reserve Board)
A Guide to CRA Data Collection
and Reporting
Guidance on how institutions should collect and report data as required
by CRA. (FFIEC)
A Banker's Quick
Reference Guide to the CRA [PDF]
CRA reference guide prepared by the Federal Reserve Bank of Dallas. (FFIEC)
A Guide to Small
Bank Public Performance Evaluations under the CRA [PDF]
Reference guide prepared by the Federal Reserve Bank of Dallas that addresses
CRA evaluations of small institutions. (FFIEC)
CRA Examinations
Information regarding regulatory agencies' CRA exam schedules and access
to the CRA examination procedures and to instructions for preparing CRA
evaluations. (FFIEC)
Survey
of the Performance and Profitability of CRA-Related Lending
Federal Reserve Board's report to Congress on default rates, delinquency
rates, and profitability of CRA-related lending activities. (Federal Reserve
Board)
Fair Lending
A
Banker's Guide to Risk-Based Fair Lending Examinations [PDF]
Guide prepared by the Federal Reserve Bank of Chicago that summarizes
the Interagency Fair Lending Examination Procedures. (Federal Reserve
Bank of Chicago)
Interagency Fair Lending
Examination Procedures [PDF]
Interagency procedures adopted in January 1999.
Federal Financial Institutions
Examination Council (FFIEC)
Financial Privacy
Overview
of the Gramm-Leach-Bliley Act (Act)
Summary of the Act, including its financial privacy provisions.
(Federal
Reserve Bank of San Francisco)
Interagency
Joint Final Privacy Regulation (Regulation P) [PDF]
Final rule implementing Regulation P that took effect on November 13,
2000. (Federal Reserve Board)
Flood Insurance
Mandatory Purchase of
Flood Insurance Guidelines
Federal Emergency Management Agency (FEMA) guidelines for determining
when flood insurance must be purchased.
Community Status Book
FEMA information by state and local area that outlines which communities
participate in the National Flood Insurance Program.
Flood
Map Information
Information about recent flood map changes, the flood map service center,
and on-line flood hazard maps. (FEMA)
Flood Zone Determination
Companies
FEMA-prepared list of companies that perform flood hazard determinations.
Lender Workshops
Information about regional National Flood Insurance Program lender workshops.
(FEMA)
Funds Availability
Compliance
With Regulation CC: A Guide for Financial Institutions
Guide to complying with Regulation CC- Availability of Funds and Collection
of Checks. (Federal Reserve Board)
Home Mortgage Disclosure Act
Federal Reserve System’s web
site on amendments to Regulation C, which implements the Home Mortgage
Disclosure Act (HMDA). This web site provides clear explanations, as well
as examples, practical compliance tips, FAQs and links.
About the Home Mortgage
Disclosure Act (HMDA)
Information about the background and purpose of HMDA, as well as a HMDA
glossary and access to other HMDA-related sites.
Federal Financial Institutions
Examination Council (FFIEC)
A Guide to HMDA Reporting:
Getting it Right!
The FFIEC's comprehensive guide that provides detailed information about
HMDA reporting requirements. (FFIEC)
Geocoding/Mapping System
Tool designed to assist financial institutions in identifying the appropriate
census tract for its HMDA-reportable applications and loans. (Federal
Financial Institutions Examination Council)
Internet Banking
Internet Banking
Primer [PDF]
Booklet prepared by the Federal Reserve Bank of Chicago that provides
an overview of Internet banking, including its risks, trends, and possible
future developments. (Federal Reserve Bank of Chicago)
Checkers Bank Interactive
Learning Tool
Simulated web banking site intended as a tool for bankers and consumers
to learn how consumer regulations apply to Internet banking. (Federal
Reserve Board)
Interagency Guidance
on Electronic Financial Services and Consumer Compliance
Guidance on federal consumer protection laws and regulations and their
application to electronic financial service operations.
(Federal Financial
Institutions Examination Council)
Real Estate Settlement Procedures Act
Real Estate
Settlement Procedures Act (“RESPA”) Home Page
Guidance on RESPA-related issues.
U.S. Department of Housing and Urban
Development (HUD)
RESPA Questions
and Answers
Q & As for the industry on such topics as RESPA's scope, affiliated
businesses, fee splitting, and servicer responsibilities. (HUD)
RESPA Escrow
Rules
Details about RESPA's escrow rules, including how to calculate appropriate
escrow account funds. (HUD)
Escrow
Analysis Program
Tool for determining whether a financial institution is properly calculating
and disclosing escrow account information as required by RESPA. (Federal
Deposit Insurance Corporation)
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