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Research Resources
Dodd-Frank Act developments are tagged 
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Real Estate Lending
Topics pages: Real Estate Settlement Procedures Act (RESPA)
| Flood Insurance | 
Mortgage Reform Initiatives
- ABA, Trade Groups Seek Flood Insurance Reauthorization (5/7/12)
- Consumer Handbook on Adjustable-Rate Mortgages (CHARM) Updated (April 2012)
- FEMA Clarifies Acceptability of Private Flood Insurance Policies (3/6/12)
- Agencies Issue Guidance on Junior-Lien Loan Loss Allowances (1/31/12)
- ABA Outlines 2012's Top 10 Mortgage-Reform Issues (1/12/12)
- President, Congress Extend NFIP to May 2012 (12/23/11)
Compliance Advisory: TILA-Mortgage Loan Originator Compensation Rule (12/6/11)
- Renewal of the National Flood Insurance Program (11/18/11)
CFPB Requests for Comments on Settlement Disclosure Form (11/8/11)
- ABA Staff Analysis: Interagency Q&As Regarding Flood Insurance (10/28/11)
- Agencies Issue Guidance and Proposed Revisions on Flood Insurance Q&As (10/14/11)
- ABA Comments on CFPB's New Mortgage Forms (8/10/11)
- Round Three: Know Before You Owe Mortgage Disclosure Initiative
- ABA Staff Analysis: Loan Requests from Customers Seeking Flood Insurance at a Time of Imminent Loss (5/10/11)
- Fannie, Freddie to Align Servicing Standards for Delinquent Borrowers (4/28/11)
- House Panel Approves Bill to Reauthorize Flood Insurance Program (4/6/11)
- Loan Originator Compensation Rule Delayed (4/4/11)
- RESPA Roundup (March 2011)
- Revised Interagency Examination Procedures for Regulation Z (3/18/11)
- ABA: OCC Understates Hours Banks Spend on Flood Insurance Information Collection Requirements (3/15/11)
- ABA Staff Analysis: Final Rule on Rules for Higher-Price Mortgage Loans— Mandatory Escrow for Jumbo Loans (3/10/11)
- ABA Victory: Fed Opts Not to Finalize Three Pending Reg Z Proposals (2/1/11)
- Escrow Table (12/2010)
This chart is intended to assist lenders in determining mortgage escrow requirements for any state in which the financial institution is making home-secured loans. 
ABA Staff Analysis: Appraisal Independence Rules (11/1/10)
ABA: Harmonize Rules on Mortgage Lending (10/26/10)
- Exemption from RESPA for Certain Subordinate Loan Transactions (10/8/10)
- ABA Staff Analysis: Interim Rule Amending Regulation Z: Summary Information Regarding Interest Rates and Payment Changes (9/27/10)
- OCC Updates RESPA Exam Procedures (9/9/10)
ABA Staff Analysis: Rules Regarding Loan Originator Compensation Policies (9/9/10)
- ABA Staff Analysis: Secure and Fair Enforcement for Mortgage Licensing Act (8/3/10)
- HUD Updates Settlement Cost Booklet (7/20/10)
- Right of Rescission over the July 4th Holiday
Generally, when consumers have a right to rescind a home-secured loan, they may exercise the right until midnight of the third business day following consummation or the delivery of certain disclosures, whichever occurs last. For purposes of rescission, section 226.2(a)(6) defines "business day" to mean all calendar days except Sundays and the federal legal holidays listed in 5 U.S.C. § 6103(a). The statute lists ten legal holidays; it identifies four holidays by a specific date (New Year's Day, January 1; Independence Day, July 4; Veterans Day, November 11; Christmas Day, December 25). Comment 2(a)(6)-2 clarifies that for these four holidays, only the date specified in the statute is considered a legal holiday for purposes of rescission. Thus, if the date specified in the statute falls on a weekend, the Friday before the specified date or the Monday following it are considered business days even if government offices are closed in observance of the holiday. Questions? Contact ABA Compliance. - Mortgage Loan Officer Overtime Status (6/7/10)
- HUD Issues Advance Rulemaking Notice Regarding "Required Use" (6/3/10)
- FDIC FIL 23-2010 Circulates FEMA Guidance During NFIP Lapse (5/7/10)
- OTS Brochure Helps Consumers Find the Right Mortgage Loans (4/1/10)
- FEMA Issues FAQ on Temporary NFIP Hiatus for Consumers and Bankers (3/29/10)
- Flood Insurance Pending 2010 Reauthorization – Part II (3/29/10)
- FFIEC FAQs on S.A.F.E. Act (3/10/10)
- ABA Staff Analysis: SAFE Rule (12/3/09)
- ABA's MDIA/Truth in Lending Act FAQs
Open End Credit
Topics page: Credit CARD Act | Cards
CFPB Proposes Revisions to Rule on Credit Card Upfront Fees (4/12/12)
CFPB Announces Pilot Test to Simplify Credit Card Agreements (12/7/11)
Members of Congress Request Study on Impact of "Ability to Pay" Provisions (12/6/11)
Philadelphia Fed: The New Dollar Threshold for Regulation Z Coverage (October 2011)
Fed Article on Designing Effective Disclosures for Consumers (8/10/11)
Fed Sets Reg Z, Reg M Exemption Threshold (6/13/11)
- ABA Staff Analysis: Clarifications of Credit CARD Act Provisions Related to Variable Rate, Effective October 1, 2011
- Credit-Card Issuers Paid Colleges $83.5 Million in 2009 (10/25/10)
- Federal Reserve Seeks to Clarify Credit Card Rules (10/19/10)
- Federal Reserve Announces Effective Dates for Gift Card Rules (10/19/10)
- ABA Brochure: Credit Card Reform: What it Means for You (August 2010)
- Fed: Applying Card Act Restrictions to Small-Biz Cards Could Increase Costs, Cut Credit (6/1/10)
- Database Provides Consumer Credit Card Agreements Online (5/24/10)
- ABA Supports Reg Z Provision, Expresses Concerns on Other Aspects of Proposal (4/14/10)
- Fed Issues Final Rule on Gift Card Fees, Expiration Dates, Effective August 22, 2010 (4/1/10)
- Consumer Compliance Outlook:An Overview of Reg Z Rules Implementing CARD Act (3/31/10)
- ABA Staff Analysis: Summary of New Credit CARD Rules (2/8/10)
Fair Lending and CRA
Topics pages: Community Reinvestment Act (CRA) | Home Mortgage Disclosure Act (HMDA) | Fair Lending NEW
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ABA Compliance Toolbox on Fair Lending (5/16/12)
- OCC's Walsh Discusses Efforts to Correct Foreclosure Practices (3/26/12)
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2012 CRA/HMDA Data (1/3/12)
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2011 HMDA Data Entry Software Release 2 (11/23/11)
- FFIEC Updates HMDA Reporting Forms and Code Sheet (11/18/11)
- FFIEC Updates Census 2010 MSA, State, County and Tract listing (11/14/11)
- FFIEC Revisions to Annual Median Family Income Data (10/19/11)
- OCC Guidance: Addresses for CRA and ECOA Notices, FHA Posters (10/11/11)
- 2010 Small Business, Small Farm, and Community Development Lending Data Now Available (8/18/11)
- Banking Agencies Issue Host State Loan-to-Deposit Ratios (6/30/11)
- Exemption from RESPA for Certain Subordinate Loan Transactions (10/8/10)
- Mortgage Lender to Settle FTC Charges for Discriminating Against Hispanic Borrowers (9/20/10)
- ABA Testifies on CRA Hearing (7/19/10)
- FFIEC issues updated CRA Guide to Data Collection and Reporting for 2010 (7/12/10)
- 2010 A Guide to HMDA Reporting: Getting It Right has been updated (7/9/10)
Page 9 – 2nd column, 1st bullet corrected to agree with the 2009 Guide change. - Assistant Attorney General Perez Addresses Fair Lending (6/23/10)
- Regulators Propose CRA Change to Support HUD Program (6/18/10)
- Agencies Release List of Areas Eligible for CRA Credit (6/1/10)
- ABA Staff Analysis: Joint Credit Reports and Fair Lending to Joint Applicants (4/26/10)
- ABA Staff Analysis: Lending to clients with special needs (4/2010)
- Consumer Compliance Outlook: CRA and Consumer Protection Issues in Banking Applications (3/31/10)
- Agencies Adopt Final Changes to CRA Q&As (3/11/10)
- HMDA Booklet Revised (2/2010)
- California Bankers Association: Preventing Elder Financial Exploitation
- Justice Department Creates New Unit to Focus on Unfair Lending to Minorities (1/14/10)
- OCC on Lending to Native Americans (3/29/06)
- DOJ Memo to OCC's Eugene Ludwig on CRA (12/15/94)
Other Credit Obligations
Topics page: Fair Credit Reporting Act (FCRA) | Servicemembers Civil Relief Act (SCRA)
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SCRA Revised Examination Procedures (5/3/11)
- FAQs on Handling Loans Under the Servicemembers Civil Relief Act (SCRA), March 2011
- HUD Issues Corrected 800 Number for Servicemembers (3/14/11)
- ABA Staff Analysis: SCRA FAQs on HUD's Servicemembers Civil Relief Act Notice Disclosure (3/1/11)
- ABA Staff Analysis: Credit Score Exceptions (1/4/11)
- ABA Staff Analysis: Education Loan Disclosures Under Regulation Z (2/16/10)
- Education Loan Disclosures Under Regulation Z (8/14/09)
- Interagency SCRA Exam Procedures (3/24/09)
- FTC Debt Collection Practices Workshop (10/07)
- Fed Study Finds Consumers Did Not Fare Better after Payday Lending Bans (1/02/08)
- TILA Does Not Allow Class Relief (2/1/07)
- FTC Issues Fair Debt Practices Report (7/29/05)
- SCRA: Banker Verification of Active Duty Status (6/10/05)
- GAO Issues Report On Consumer's Credit Knowledge (3/21/05)
- FDIC FIL Letter Re FACTA Effective Date (12/13/04)
Miscellaneous Subjects
Topics pages: Americans with Disabilities Act | Cards | Fair Credit Reporting Act (FCRA) | Servicemembers Civil Relief Act (SCRA) | Unfair, Deceptive or Abusive Acts and Practices (UDAAP) | Unlawful Internet Gambling Enforcement Act (UIGEA) | Vendor Management | International ACH Transactions
- OCC's Anti-Fraud Resource Page
- FRB: Designing Disclosures — Lessons Learned from Consumer Testing (August 2011)
- DOJ guidance on the provisions in the 2010 ADA Standards regarding service animals (7/6/11)
- DOJ Settlement with Wells Fargo on ADA case (5/31/11)
- ABA Staff Analysis: Americans with Disabilities Act, DOJ Final Rule on ADA Standards for Accessible Design (12/10/10)
- ABA Resource: Assessment-Base Calculator. Read the explanation (August 2010)
- UIGEA Exam Guidance (6/30/10)
- One More Time: Internet Gambling Regulations to be Mandatory on June 1, 2010 (4/19/10)
- GAO Report Says Fair Debt Collection Practices Act (FDCPA) Should be Modified (10/21/09)
- Agencies Publish Final Rules Intended to Improve Information on Credit Reports (7/2/09)
- STAMP Certification (3/13/09)
- Loans Exceeding Reg O Limits Before Officer Is Appointed Are Grandfathered (4/29/08)
- Report on FCRA Dispute Resolution Process (8/06)
- OCC Advisory on Electronic Consumer Disclosures (10/1/04)
Financial Literacy
Topics page: Financial Literacy
- FTC: Free Annual Credit Reports
- Students' Financial Literacy Challenged through National Financial Capability Challenge (3/13/12)
- Fed Chairman Bernanke Discusses Importance of Financial Literacy (4/20/11)
- GAO Report on Elder Abuse (3/2/11)
- FDIC Consumer News Offers Tips on Money Management (2/24/11)
- Fed's Online Resource Provides Consumer Guidance to Credit Reports, Credit Cards (11/10/10)
- FDIC Releases Enhanced Version of Money Smart (10/29/10)
- FDIC's Money Smart Podcast Available in Spanish (10/14/10)
- Database Provides Consumer Credit Card Agreements Online (5/24/10)
- OTS Brochure Helps Consumers Find the Right Mortgage Loans (4/1/10)
- OCC Partners with Univision, Launches Financial Education Campaign for Hispanics (12/15/09)
- New ABA Web Site Opens Teach Children to Save Program to Everyone (4/9/09)
- FDIC Issues Tips to Help Consumers Manage Their Money (3/11/09)
- 5 Tips for Avoiding Foreclosure Scams (3/5/09)
Deposits and Payments
Topics pages: Cards | Deposit Account and Payments | FDIC Deposit Insurance | Overdraft Protection | International ACH Transactions
ABA Comment on CFPB's Proposed Prototype Credit Card Contract (3/7/12)
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ABA Staff Analysis: FDIC UDAP Theory - Force Pay Overdraft Transactions (2/24/12)
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OCC Issues Revised Exam Procedures (10/21/11)
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ABA Staff Analysis: FDIC Finalizes Overdraft Payment Program Guidance (11/30/10)
- ABA Survey Finds Most Consumers Avoid Overdraft Fees (9/22/10)
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ABA Report: A New Framework for Overdraft Program Compliance (8/2/10)
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ABA Staff Analysis: Q&A's on Overdraft Final Rules Services (6/2/10)
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ABA Staff Analysis: Overdraft Services Final Rule (6/1/10)
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Garnishment of Federal Benefit Payments (April 2010) A proposed rule in 2010 has superceded this proposal.
- OCC Issues Guidance on Overdraft Protection (4/12/10)
- Consumer Compliance Outlook: Q&As on Rules Regarding Overdraft Services (3/31/10)
- ABA Staff Analysis: Overdraft Final Rule (3/3/10)
- FDIC Guidance on Reg E Disclosures at ATMs (11/27/09)
- Board Issues Regulation E Final Rule, Mandatory Compliance date of July 1, 2010 (11/19/09)
- OCC Reminds Consumers to read Disclosures on Gift Cards (11/24/09)
- FDIC Consumer News Offers Tips on Credit, Debit and Prepaid Cards (11/17/09)
- ABA: Overdraft Bill Would Result in Less Access, Higher Cost (11/17/09)
- Board Proposal Restricts Fees and Expiration Dates on Gift Cards (11/16/09)
- Agencies Update Loan-to-Deposit Ratios (6/30/09)
- OCC Updates APY Win Program (6/3/09)
- FDIC Guidance Needed on Properly Executed Sweep Repo Accounts (5/11/09)
ABA Staff Analysis: BSA / AML / USAPA / OFAC
Topics pages: Bank Secrecy Act/Anti-Money Laundering | International ACH Transactions | OFAC, Export Controls and FCPA
- ABA's SAR Activity Review Page
- ABA's BSA Report: New Framework for Partnership
- FFIEC BSA/AML Exam Manual Resource Page
- The SAR Activity Review, Issue 21 (May 2012)
ABA Comment on Remittances (4/9/12)
ABA Staff Analysis: Remittances Final Rule (3/2/12)
- FinCEN Analysis on Illicit Activity Trends by Securities & Futures Firms (9/6/11)
- ABA Offers Suggestions to FinCEN re: CTR and DOEP Proposed Data Fields (3/28/11)
- FinCEN Guidance to Financial Institutions regarding Iran and N. Korea (3/21/11)
- ABA Comments on FinCEN Proposal to Require Non-bank Mortgage Lenders to Comply with AML and File SARs (2/4/11)
- IBFed Comments on FATF's Terrorist Financing Standards (1/12/11)
- SEC Updates No-Action Position regarding CIP Procedures Between Registered Investment Advisers and Broker-dealers (1/11/11)
- ABA Staff Analysis: Confidentiality of Suspicious Activity Reports (11/24/10)
- ABA Staff Analysis: FATF Consultation Paper: The Review of the Standards – Preparation for the 4th Round of Mutual Evaluations (11/5/10)
- ABA Staff Analysis: FinCEN BSA Regulations Definitions and Other Regulations Relating to Prepaid Access (7/15/10)
- $1 Million CMP Assessed Against New Jersey Bank, Pamrapo Savings (6/3/10)
- ABA Staff Analysis: 2010 FFIEC BSA/AML Exam Manual Key Changes (5/21/10)
- ABA Staff Analysis: FinCEN 314(a) Final Rule on Expansion of Info Sharing (2/12/10)
Privacy and Information Security
Topics pages: ID Theft | Privacy
- FTC Report on Protecting Consumer Privacy (3/26/12)
- FFIEC Releases Supplemental Guidance on Internet Banking Authentication (6/28/11)
- FTC Testifies on Online Consumer Privacy (3/16/11)
- FDIC Compliance Guidance on Model Privacy Notice Form (9/27/10)
- Final Model Privacy Form Builder (4/1/10)
- ABA Staff Analysis: Final Model Privacy Form (12/8/09)
- Regulators Release New Privacy Model Notice (11/17/09)
- FTC Launches 'Red Flags' Website (4/2/09)
- FTC Issues Report on Social Security Numbers and Identity Theft (12/18/08)
- FTC Delays Enforcement of 'Red Flags' Rule (10/22/08)
- ID Theft Red Flags, Address Discrepancies, and Change of Address Regulations Examination Procedures (10/16/08)
- GAO Study Finds Data Breaches Frequent But Link to ID Theft Limited (7/5/07)
- ABA FACT Act Analysis (2003)
Marketing and Advertising
Topics page: Unfair, Deceptive or Abusive Acts and Practices (UDAAP)
- Junk Fax Prevention Act
- ABA Comment to FCC Re: Petitions for Declaratory Ruling Concerning the Telephone Consumer Protection Act Rules (10/10/11)
- ABA Comments on Porting under TCPA (4/2/09)
- Court Rejects FTC Interpretation of Telecommunications Consumer Protection Act (5/2008)
- OCC Issues Guidance on Bank Gift Card Marketing (8/14/06)
- Summary of Rules Implementing Junk Fax Prevention Act (7/31/06)
- Junk Fax Rules Adopted (4/10/06)
- FTC Pursues "Free Credit Report" Lure (8/16/05)
- FTC Bans Telemarketer Scamming for Bank Account Info (8/2/05)
- FTC Debunks Cell-phone Telemarketing Threat (4/15/05)
