Consumer Compliance Outlook - Index by Topic

Regulation/StatuteArticleIssue
Regulation B
(Equal Credit Opportunity Act)
Regulation B and Marital Status Discrimination: Are You in Compliance? Q4 2008
2012 Fair Lending Webinar: Questions and Answers Q1 2012
2013 Fair Lending Webinar: Questions and Answers Q2 2013
View from the Field: Commonly Cited Compliance Violations in 2011 (spousal signature & adverse action) Q1 2012
Government Monitoring Information Requirements Under the HMDA and the ECOA Q4 2013
Adverse Action Notice Requirements Under the ECOA and the FCRA Q2 2013
Regulation C
(Home Mortgage Disclosure Act)
Improving and Using HMDA Data in Your Compliance Program Q4 2009
HMDA Data Collection and Reporting Q4 2012
View from the Field: Commonly Cited Compliance Violations in 2011 (rate-spread loans, loan purpose, and action taken) Q1 2012
Government Monitoring Information Requirements Under the HMDA and the ECOA Q4 2013
Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA) Data Reporting: Question and Answers Q2 2011
Regulation E
(Electronic Fund Transfer Act)
Credit CARD Act Requirements for Gift Certificates, Store Gift Cards, and General-Use Prepaid Cards Q1 2013
Current Issues in Payroll Cards Q4 2009
Error Resolution Procedures and Consumer Liability Limits for Unauthorized Electronic Fund Transfers Q4 2012
Rules Regarding Overdraft Services: Questions and Answers Q1 2010
An Overview of the New Regulation E Requirements for Foreign Remittance Transfers Q3 2012
Compliance Spotlight: Amendment to the Foreign Remittance Transfer Rule Q4 2013
2012 Year in Review Webinar: Questions and Answers Q1 2013
Regulation H
(Flood Disaster Protection Act of 1973)
Compliance Spotlight: Homeowner Flood Insurance Affordability Act of 2014 Q2 2014
Compliance Spotlight: Biggert-Waters Flood Insurance Reform Act of 2012 Q3 2012
Complex Issues in Flood Insurance Compliance Q2 2008
Flood Insurance Compliance Requirements Q4 2011
View from the Field: Commonly Cited Compliance Violations in 2011 (forced-placed insurance) Q1 2012
2012 Year in Review Webinar: Questions and Answers Q1 2013
Regulation X
(Real Estate Settlement Procedures Act)
Escrow Accounting Rules: Are You in Compliance? Q2 2009
RESPA Changes to the Good Faith Estimate Form Q2 2010
RESPA Part II: Changes to the HUD-1 Form Q3 2010
Regulation Z
(Truth in Lending Act)
Disclosure Requirements for Reverse Mortgages Q1 2009
HELOC Plans: Compliance and Fair Lending Risks When Property Values Change Q3 2013
The Regulation Z Requirements for Open-End Credit Disclosures (Part Two) Q2 2009
The Regulation Z Requirements for Open-End Credit Disclosures (Part One) Q1 2009
New Regulation Z Rules Enhance Protections for Mortgage Borrowers Q4 2008
HELOCs: Consumer Compliance Implications Q3 2008
Reverse Mortgages and Consumer Protection Issues Q3 2008
Mortgage Disclosure Improvement Act of 2008 - Amendments to Regulation Z Q3 2009
An Overview of the Regulation Z Rules Implementing the CARD Act Q1 2010
Right of Rescission in Times of Foreclosure Q2 2010
The New Compliance Requirements Under Regulation Z for Private Education Loans Q2 2010
Mortgage Disclosure Improvement Act: Examples and Explanations Q3 2010
Payment Crediting Rules for Open-end credit, Credit Cards, and Closed-end Mortgage Payments Q4 2010
Mortgage Disclosure Improvement Act: Corrected Disclosure for an Overstated APR Q1 2011
Loan Originator Compensation and Steering Q1 2011
View from the Field: Commonly Cited Compliance Violations in 2011 (open-end credit disclosure format) Q1 2012
The Federal Reserve Board's Interim Final Rule on Valuation Independence Q3 2011
The New Dollar Threshold for Regulation Z Coverage Q3 2011
Regulation AA
(Unfair Deceptive Acts and Practices Act)
Final Rules on Credit Card and Overdraft Practices (These rules were superseded by the CARD Act and its implementing regulations.) Q1 2009
Regulation BB
(Community Reinvestment Act)
Revisiting the Community Reinvestment Act Q2 2009
The Community Reinvestment Act and Minority-Owned Financial Institutions Q4 2008
Foreclosure Prevention Activities and the Community Reinvestment Act Q2 2008
CRA and Consumer Protection Issues in Banking Applications Q1 2010
The Community Reinvestment Act and HUD's Neighborhood Stabilization Program Q4 2011
The 2010 Census Data and Its Impact on HMDA, CRA, and Fair Lending Compliance Q2 2012
New and Revised Interagency Questions and Answers Regarding Community Reinvestment: Updates to Community Development Guidance Q1 2014
Understanding the Community Reinvestment Act’s Assessment Area Requirements Q1 2014
Community Reinvestment Act: The Transition from Small Bank to Intermediate Small Bank Q1 2014
Community Reinvestment Act: Developing a Strategy for Success Q3 2014
Regulation CC
(Expedited Fund Availability Act)
Responding to Counterfeit Check Fraud Q2 2008
Regulation DD
(Truth in Savings Act)
GAO Issues Report on Bank Fees Q3 2008
Understanding Regulation DD's Advertising Requirements Q4 2010
Servicemembers Civil Relief Act (SCRA) Compliance Requirements for the Servicemembers Civil Relief Act Q2 2011
Servicemembers Civil Relief Act - Compliance Update Q4 2011
Servicemember Financial Protection Webinar: Questions and Answers Q1 2013
Fair Credit Reporting Act Adverse Action Notice Requirements Under the ECOA and the FCRA Q2 2013
Affiliate Marketing Rules Q4 2008
Identity Theft Red Flags and Address Discrepancies Q3 2008
Furnisher Requirements Under the Fact Act “Accuracy and Integrity” Implementing Regulations Q3 2010
An Overview of the Risk-Based Pricing Implementing Regulations Q4 2010
An Overview of the Credit Score Disclosure Requirements for Risk-based Pricing Notices Q3 2011
Risk-Based Pricing Notice Requirements: Questions and Answers Q1 2012
Furnishers’ Compliance Obligations for Consumer Credit Information Under the FCRA and ECOA Q2 2012
Homeowner Affordability and Stability Plan (HASP) An Overview of the Home Affordable Modification Program Q3 2009
E-Sign Act Moving from Paper to Electronics: Consumer Compliance Under the E-Sign Act Q4 2009
Other Topics Managing Consumer Compliance Risks in Today’s Economic Environment Q1 2009
Interview with Sandra Braunstein, Director, Division of Consumer and Community Development Studies and Education, Board of Governors of the Federal Reserve System Q2 2009
The Bank Director’s Role in Establishing a “Culture of Compliance” Q3 2009
Vendor Risk Management Q1 2011
Compliance Requirements for Young Consumers Q2 2011
View from the Field: Commonly Cited Compliance Violations in 2011 Q1 2012
Enhancing the Compliance Management Program with Complaint Data Q2 2012
Compliance Risks for Unearned Discount Points Q3 2012
Vendor Risk Management — Compliance Considerations Q4 2012
Perspectives on Consumer Protection: A Conversation with Governor Duke Q2 2013
The Importance of the Consumer Compliance Internal Audit Function Q3 2013
New Compliance Requirements Under the Garnishment Rule for Accounts Receiving Certain Federal Benefits Q3 2013
Overview of E-Banking Compliance Considerations Q4 2013
Risk-Focused Consumer Compliance Supervision Program for Community Banks Q2 2014
Risk-Focused Supervision Webinar Questions and Answers Q2 2014
Consumer Compliance Risk Management for Social Media Q2 2014
Consumer Compliance Management Program — Common Concerns and Best Practices Webinar Questions and Answers Q3 2014

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Kenneth Benton, Editor

(215) 574-6500

outlook@phil.frb.org