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Research Resources

Real Estate Lending
Open End Credit
Fair Lending and CRA
Other Credit Obligations
Miscellaneous Subjects
Financial Literacy

Deposits and Payments
BSA / AML / USAPA / OFAC
Privacy and Information Security
Marketing and Advertising

REAL ESTATE LENDING
HUD Broker Payment Policy Statement | RESPA | RESPA Reform History | Subprime Mortgages & Foreclosures | Flood Insurance Topics

OCC and OTS Release Joint Mortgage Metrics Report (9/12/08)
Reverse Mortgages: Information to Consider on Benefits and Risks (8/1/08)
Fed Slated to Issue New Mortgage-Lending Rules (7/8/08)
Agencies Issue Guidance on Hybrid ARM Products (5/29/08)
Fed Issues Dynamic Maps and Data on Subprime Loan Conditions (4/1/08)
Businesses and Individuals Charged in Foreclosure Intervention Scams (2/29/08)
Individuals Indicted in $20 Million Home Equity Loan Scheme (1/25/08)
San Francisco FHLB to Pilot Mortgage Modification Program (1/15/08)
OFHEO Updates Exam Guidance on GSE Mortgage Fraud Programs (1/14/08)
FDIC Publication Addresses Loan Modification (1/10/08)
FDIC Publication Advises Consumers on Loan Programs (11/19/07)
FTC Warns About Deceptive Mortgage Ads (9/11/07)
Agencies Encourage Lenders to Help Avoid Foreclosures (9/5/07)
President Bush Proposes Help for Struggling Homeowners (9/4/07)
OCC's Insights Highlights Employer-Assisted Mortgage Programs (8/29/07)
OTS Issues Mortgage Banking Exam Guidance (7/31/07)
Agencies' Pilot Project to Improve Supervision of Subprime Mortgage Lenders (7/17/07)
Fannie Mae, Freddie Mac Changing Purchase Rules on Nontraditional Mortgages (7/17/07)
OCC Posts Downloadable Illustrations on Nontraditional Mortgage Products (7/5/07)
Agencies Issue Final Statement on Subprime Mortgage Lending (6/29/07)
HUD Announces Conciliation Agreement With First Indiana Bank, N.A. (6/04/07)
OIG Report Finds FDIC Flood Insurance Coverage Adequate (5/31/07)
HUD Sues California Company For Violating RESPA (5/30/07)
Phone Briefing Q&A on Flood Insurance Coverage for Condos (3/16/07)
Fed Warns Homeowners on Deceptive Loan Solicitations (2/16/07)
Interagency Consumer Handbook on Adjustable Rate Mortgages Revised (12/26/06)
FDIC Issues Guidelines for Environmental Risk Program (11/20/06)
CSBS Issues NTM Guidance (11/14/06)
Agencies Educate Consumers on Nontraditional Mortgage Loans (10/18/06)
Interagency Guidance on Nontraditional Mortgages (9/29/06)
Update to Interagency Credit Risk Management Guidance for Home Equity Lending (9/29/06)
GAO: Better Info Needed On Nontraditional Mortgages (9/20/06)
HUD Enhances its 1-800-669-9777 Fair Housing Complaint Line (9/19/06)
HUD, FDIC Settle Boston-Area RESPA Case (9/6/06)
Board Adjusts Annual Dollar Amount For HOEPA Loans (8/9/06)
OFHEO and FinCEN to Share Info on Mortgage Fraud (5/15/06)
Appeals Court Allows TILA Lawsuit for Refinanced Loan (4/21/06)

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OPEN END CREDIT

Fed Issues Proposed Rules to Reform Credit Card, Overdraft Practices (5/19/08)
Board Clarifies Amendments to Regulations B and Z (12/14/07)
FRB Adopts Regulations on Consumer Disclosures (11/1/07)
Reg Z Proposal Notice Aims to Improve Consumer Credit Disclosures (5/23/07)
FRB Seeks Comments On Reg Z Revisions (10/11/05)
Fed's Gramlich Testifies on Credit Card Disclosures (5/17/05)
Act'g Comptroller Testimony Urges New Approach to Credit Card Disclosures (5/17/05)
OCC AL 2004-10 on Credit Card UDAP (9/14/04)
The New Credit Card Regulatory Landscape (7/04)

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FAIR LENDING AND CRA
Center for Community Development | CRA Rule and CRA Q&A's | CRA Topics | FFIEC HMDA Information | HMDA Topics | Lending to clients with special needs | Major Disaster Declarations -- CD Eligible | Reducing Elder Financial Abuse

FFIEC Releases 2007 HMDA Data (9/11/08)
FDIC Report Suggests Ways to Expand Mortgage Loans to Low- and Moderate-Income Borrowers (9/4/08)
Agencies Release 2008 List of Distressed or Underserved Nonmetropolitan Middle-Income Geographies (5/30/08)
OCC Issues Advisory on Foreclosure Rescue Scams (5/16/08)
CRA Helped Mitigate Foreclosures, Study Says (1/7/08)
FFIEC Releases 2006 HMDA Data (9/13/07)
OTS Revises CRA Exam Procedures (07/02/07)
2007 Data on Median Family Income for CRA Now Available (6/1/07)
Agencies Release 2007 List of Distressed or Underserved Nonmetropolitan Middle-Income Geographies (6/1/07)
OIG Reports on FDIC's Implementation of 2005 CRA Amended Regs (5/31/07)
Comptroller Dugan Addresses CRA at Los Angeles Summit (4/20/07)
2006 HMDA Data Now Available (4/12/07)
OCC Warns Consumers Against Fraudulent CRA Grant Offers (3/29/07)
OTS Issues Final CRA Rule (3/20/07)
HMDA Reporting Threshold for 2007 Data Revised (12/26/06)
OCC Highlights Strategies for Reaching Minority Markets (11/15/06)
OCC Newsletter Covers Revisions to CRA (9/06)
FFIEC Releases 2005 HMDA Data (9/8/06)
OTS Conforms CRA Guidance (9/5/06)
FFIEC: 2005 CRA Lending Data Available (7/25/06)
Dugan Urges More Authority for Community Investments (6/6/06)
Agencies Release Distressed or Underserved Nonmetropolitan Middle-Income Geographies List (6/1/06)
OCC newsletter focuses on Foreclosure Prevention (4/28/06)
OTS Revises 'Community Development' Definition (4/12/06)
Interagency CRA Exam Guidance Issued(4/10/06)
OCC on Lending to Native Americans (3/29/06)
OCC: Focus on Community Development (3/24/06)
Banking Agencies Issue Final CRA Guidance (3/2/06)
CRA Credit Available For Banks Outside Hurricane Areas (2/9/06)

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OTHER CREDIT OBLIGATIONS
FCRA | Handling Loans under SCRA

Fed Issues Proposal on Risk-based Pricing Notices
FTC Debt Collection Practices Workshop (10/07)
Fed Study Finds Consumers Did Not Fare Better after Payday Lending Bans (1/02/08)
Illinois Payday Lender Fined $234,000 (6/19/07)
Payday Lenders to Make Changes (2/22/07)
TILA Does Not Allow Class Relief (2/1/07)
Guidelines Offer CRA Credit For Small Loans (12/4/06)
Free Credit Reports Available Nationwide (9/1/05)
FTC Issues Fair Debt Practices Report (7/29/05)
Check Cashers Adopt Ethics Code For Military (6/23/05)
SCRA: Banker Verification of Active Duty Status (6/10/05)
Debt Service Firms Settle FTC Charges (3/30/05)
GAO Issues Report On Consumer's Credit Knowledge (3/21/05)
FTC Sues "Credit Repair" Services (1/27/05)
FDIC FIL Letter Re FACTA Effective Date (12/13/04)
Kuhns Buick etc v. Nigh (TILA Damage Limit) (11/30/04)
FTC Issues Updated Consumer Rights and Duties Summaries (11/19/04)
OTS Applies MFL under HOLA (11/16/04)

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MISCELLANEOUS SUBJECTS
ABA Fraud Solutions | Americans with Disabilities Act | FDIC EGRPRA site | FRB Alphabet Regulations | Unfair and Deceptive Acts or Practices (UDAP) | ABAWorks: Bankruptcy Reform Law | SEC Regulation R | Unlawful Internet Gambling Enforcement Act (UIGEA) | Vendor Management

For Consumers: Check Scams in Your Mailbox
Loans Exceeding Reg O Limits Before Officer Is Appointed Are Grandfathered (4/29/08)
OCC to Consumers: Be Aware of Gift Cards' Terms and Conditions (11/21/07)
Fed Issues Final Rule on Reg O Reporting Requirements (5/29/07)
Kmart Settles With FTC Over Deceptive Gift Card Practices (3/12/07)
Financial Service Panel Letterhead used in Scam (3/6/07)
FTC Issues New Fake Check Brochure (2/8/07)
FTC Releases The Truth About Cell Phones and the DNC Registry (2/6/07)
Fed Eliminates Several Reg O Reporting and Disclosure Requirements (12/6/06)
Report on FCRA Dispute Resolution Process (8/06)
OCC Offers Anti-Fraud Resource Page (11/30/05)
OCC Studies Selectivity Bias in Certain Credit Score Models (12/27/04)
Emotional Distress Claim Available For Violating Bankruptcy Stay (12/10/04)
FTC Completes Study of FACTA Issues (12/9/04)
FTC Pursues ACH Processor for Aiding Deceitful Telemarketer (11/3/04)
OCC Advisory on Electronic Consumer Disclosures (10/1/04)

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FINANCIAL LITERACY
Financial Literacy Topics

ABA Resources: Financial Crisis 2008

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DEPOSITS AND PAYMENTS
ABA Insurance Solutions | Check 21 | Demand Deposit and Payment System | FDIC Guide to Deposit Insurance | Overdraft Protection | SEC Reg B ("Push Out")

Fed Issues Proposed Rules to Reform Credit Card, Overdraft Practices (5/5/08)
OTS Releases Outline of Proposed Rule on Credit Card, Overdraft Practices (5/2/08)
FRBs Issue Notice on Duplicate Check 21 Items (2/7/08)
Kmart Settles With FTC Over Deceptive Gift Card Practices (3/12/07)
FDIC Publication Releases How-To Guide on Managing Your Money (February 2007)
OTS Issues Consumer Complaint Brochure (2/8/07)
OTS Issues Consumer Fact Sheet on Gift Cards (2/6/07)
FDIC Issues FIL on Predatory Lending (1/22/07)
OCC Issues Detailed Guidance to Help Consumers Avoid Cashier's Check Fraud (1/16/07)
Electronic Fee Collection Rule Approved (11/27/06)
B of A Wins Reversal in Miller Case (11/20/06)
FTC and SEC Offer Tips to Avoid Online Scams (10/26/06)
FTC Pursues Illegal Operations of Online Check Processing Firm (10/2/06)
Draft FDIC Overdraft Survey (9/20/06)
OCC Issues Examiner Guidance on Consumer Protection Regs (9/14/06)
OCC Issues Guidance on ACH Risk Management (9/1/06)
Fed Finalizes Reg E Coverage of Payroll Cards (8/24/06)
New FDIC Coverage Brochure Available (4/10/06)

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BSA / AML / USAPA / OFAC
BSA/AML Topics Menu | FFIEC BSA/AML Exam Manual Resource Page | OFAC | SAR Activity Reviews | SEC Spotlight on Money Laundering

314(a) Instructions and Q&A's
CIP Rule and CIP FAQs
Cross-Border Transfer (CBT) Survey
ABA Comments on Due Diligence and Transparency Regarding CBWT (9/16/08)
FinCEN Guidance on Definition of Money Transmitter to Brokers/Dealers (9/10/08)
ABA Community Banker: Consistency Is the Key in Filing CTRs (8/21/08)
FATF Report on Money Laundering in Websites and Online Payment Systems (7/08)
Financial Services Panel Approves MSB Bill (6/30/08)
OTS Report on Terrorist Financing/Money Laundering (5/2008)
SAR Activity Review--By the Numbers, Issue 10 (5/30/08)
FinCEN Ruling on Whether Certain Reloadable Card Operations are MSBs (5/20/08)
FinCEN Launches New Website (5/14/08)
FinCEN SAR Activity Review (5/13/08)
FinCEN Strategic Plan FY 2008-2012 (5/8/08)
Wolfsberg Group Updates FAQs on Politically Exposed Persons (5/7/08)
FinCEN Report on Residential Real Estate Money Laundering (5/1/08)
FinCEN Proposes Changes to Simplify CTR Exemptions (4/23/08)
FinCEN Issues Guidance on Reporting of Foreign Corruption (4/18/08)
FinCEN Issues Annual Report for FY 2007 (4/16/08)
FinCEN Director Discusses Broker-Dealers Guidance (3/5/08)
Guidance for Dealers in Precious Metals, Precious Stones, or Jewels (3/10/08)
CIP No-Action Position (3/4/08)
GAO Study Examines Usefulness of CTRs (2/21/08)
SAR Activity Review - By The Numbers, Issue 9 (2/11/08)
FinCEN Guidance Clarifies Correspondent Account Rule (1/30/08)
FinCEN Assesses $12 Million CMP Against Sigue Corp. (1/28/08)
FinCEN Clarifies Sole Proprietorship CTR Requirements (1/28/08)
FinCEN Guidance Clarifies Check Cashers and MSBs (1/10/08)
FinCEN Releases SAR Activity Review - Issue 12 (10/26/07)
FFIEC Releases Revised BSA/AML Exam Manual (8/24/07)
Nacha Approves New Code for International ACH Transactions (8/15/07)
SEC Withdraws Terrorism Site (7/20/07)
FATF Issues Guidance on Risk Based Approach (7/07)
FinCEN Launches BSA Regulatory Efficiency and Effectiveness Web Page (7/17/07)
FinCEN Outlines Plan to Ease AML Burden for Small Banks (6/25/07)
FinCEN Releases Enhanced SAR Activity Review Issue 8 (6/21/07)
FinCEN Final Rule Amends Casino Currency Reporting Requirements (6/21/07)
FinCEN Clarifies SAR Documentation Issues (6/14/07)
2007 Money Laundering Strategy Report Released (5/3/07)
FinCEN Delays Implementation of Revised SAR forms (4/26/07)
FinCEN and CFTC Issue CIP Guidance on Application of Rules to Give-Up Arrangements (4/20/07)
SEC's New Tool to Assist AML Efforts by Broker-Dealers (4/16/07)
SEC Issues Enforcement Action Against Florida Broker-dealer (4/12/07)
FinCEN Annual Report Says BSA Reports Continue to Rise (4/10/07)
FinCEN Publishes New Specs for E-Filing of SAR-MSBs (2/13/07)
FinCEN Cross Border Wire Feasibility Study (1/18/07)
GAO Report Says FINCEN and IRS Need Improvement in BSA Compliance Efforts (12/18/06)
FinCEN Issues CIP Clarification (12/12/06)
OFAC and NY Banking Department Sign Info-Sharing Pact (12/4/06)
FinCEN Advisory on Shell Company Risk (11/9/06)
FinCEN Report on Shell Companies (11/9/06)
FinCEN Mortgage Fraud Report (11/3/06)
ABA Bank Compliance article: USA PATRIOT Act: 3 Years Later (09/04)

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PRIVACY AND INFORMATION SECURITY
ABA Recommendations for Protecting Customer Information | ABAWorks on ID Theft Red Flag Regulation | Be OnGuard online | ID Theft Topics | Privacy Topics

2006 Internet Fraud Crime Report
ABA FACT Act Analysis
For Consumers: Check Scams in Your Mailbox
IRS Continues to Warn Against Identity Theft Scams (7/14/08)
ABAWorks on ID Theft Red Flag Regulation Now Online (4/30/08)
Data Breach Exposes 4.2 Million Accounts (3/19/08)
GAO Study Finds Data Breaches Frequent But Link to ID Theft Limited (7/5/07)
The President's ID Theft Task Force Unveils Plan to Combat ID Theft (4/24/07)
FDIC Issues Supervisory Policy on ID Theft (4/11/07)
FTC Testifies on ID Theft (3/21/07)
FTC Issues Business Guide on Safeguarding Personal Information (3/8/07)
ID Theft Top Concern for Seventh Year in a Row (2/8/07)
Report Says ID Fraud Down in 2006 (2/2/07)
Interim Recommendations from ID Theft Task Force (9/19/06)
Interagency Authentication FAQs (8/15/06)
FDIC on ID Theft Protection (5/24/06)
FTC Launches ID Theft Education Campaign (5/10/06)
Report on Improving Financial Privacy Notices for Consumers (3/31/06)
FTC Settles Large Info Leak Case (2/23/06)
Federal Bank and Thrift Regulatory Agencies publish Security Guidelines (12/14/05)
Agencies Finalize Rules on Sharing Medical Info (11/18/05)
FTC Enforces Safeguards Rule Against Encryption Failure and More (9/28/05)
Military Duty Alert Guards Against ID Theft (7/20/05)
FDIC FIL On "Pharming" (7/18/05)
ABA Bank Compliance article: Preventing ID Theft (1/04)

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MARKETING AND ADVERTISING
ABA Bank Compliance | Unfair and Deceptive Acts or Practices (UDAP)

Junk Fax Prevention Act
Court Rejects FTC Interpretation of Telecommunications Consumer Protection Act (5/2008)
Court Order Bars Lottery Fraud Scheme (11/9/06)
OCC: Watch Out For Year-end Scams (9/8/06)
OCC Issues Telemarketing Bulletin (8/22/06)
OCC Issues Guidance on Bank Gift Card Marketing (8/14/06)
Summary of Rules Implementing Junk Fax Prevention Act (7/31/06)
FTC Posts New Do Not Call Registry Fees (7/28/06)
Junk Fax Rules Adopted (4/10/06)
FTC Continues Crackdown on Scams Aimed at Hispanics (10/25/05)
Avoid Charity Scams (9/6/05)
FTC Pursues "Free Credit Report" Lure (8/16/05)
FTC Bans Telemarketer Scamming for Bank Account Info (8/2/05)
ABA Bank Compliance: Nothing In Life Is Free (7/05)
A cover story on the compliance implications of marketing freebies.
FTC Proposes Do Not Call Rate Hike (4/18/05)
FTC Debunks Cell-phone Telemarketing Threat (4/15/05)
FTC Issues Rule on Prescreened Offers Opt-Out (1/24/05)
Telemarketers Must Scrub Every 31 Days (12/20/04)
OCC AL 2004-10 on Credit Card UDAP (9/14/04)
FTC Seeks CMPs for Do Not Call Violations (8/31/04)
FTC pursues deceptive mortgage promos (6/2/04)
ABA Bank Compliance article: Sales Practices and UDAP (1/03)

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