Regulatory Guidance

Federal Financial Institutions Examination Council (FFIEC)

• Interagency Fair Lending Examination Procedures
  
  
• Interagency Fair Lending Examination Procedures - Appendix
  
  
• 1994 Interagency Policy Statement on Discrimination in Lending
  
  
• Interagency CRA Questions and Answers
  
  
• A Guide to CRA Data Collection and Reporting
  
  
• Getting It Right! A Guide to HMDA Reporting
  
  
• HMDA FAQ

Office of the Comptroller of the Currency (OCC)

• Advisory Letter 2003-2: Guidelines to Guard Against Abusive Lending Practices
  
  
• Advisory Letter 2003-3: Avoiding Predatory and Abusive Lending Practices in Brokered and Purchased Loans
  
  
• OCC Guidance on Unfair or Deceptive Acts or Practices
  
  
• OCC Bulletin 2000-16: Risk Modeling - Model Validation
  
  
• Safety and Soundness and Compliance Issues on Credit Scoring Models
  
  
• National Bank Fair Lending Efforts - December 92 Banking Circular
  
  
• Comptroller's Handbook: Fair Lending Examination Procedures
  
  
• Comptroller's Handbook: Home Mortgage Disclosure
  
  
• OCC Large Bank CRA Examiner Guidance
  
  
• CRA Examination Procedures
  
  
• OCC Community Bank Consumer Compliance Examination Handbook
  
  
• Effective Strategies for Community Development Finance
  
  
• Community Development Resource Guide

Office of Thrift Supervision (OTS)

• OTS Compliance Activities Handbook - Fair Lending
  
  
• OTS Guidance on Special Purpose Credit Programs

Federal Deposit Insurance Corporation (FDIC)

• FDIC Guidance on Spousal Signature Provisions of Regulation B
  
  
• FIL 103a-99: Practices That May Result in Potential Violations of Section 8 of RESPA
  
  
• Side by Side: A Guide to Fair Lending
  
  
• Mortgage Loan Pre-Qualifications: Applications or Not?

The Federal Reserve Board (Fed)

• Interagency Fair Lending Examination Procedures Summary and Risk Factors Table
  
  
• A Banker's Guide to Risk-Based Fair Lending Examinations
  
  
• Regulation B - Equal Credit Opportunity For Sample Forms and Official Staff Interpretation - See Sec. 202.15
  
  
• Proposed Changes to Regulation B
  
  
• Regulation C - Home Mortgage Disclosure For HMDA Instructions, Sample Forms, and Official Staff Commentary - See Sec. 203.6
  
  
• Federal Reserve Board Consumer Compliance Handbook

U.S. Department of Housing and Urban Development (HUD)

• HUD RESPA Statement of Policy 2001-1
  
  
• Curbing Predatory Home Mortgage Lending
  
  
• Fair Housing Act - Discriminatory Conduct
  
  
• Fair Housing Act - Complaint Processing
  
  
• HUD Mortgagee Letter 94-22: Fair Lending Practices & Policy Statement on Discrimination in Lending
  
  
• HUD Mortgagee Letter 94-16: Tiered Pricing Rule
  
  
• HUD Mortgagee Letter 94-43: Overages, Fair Lending, and Tiered Pricing
  
  
• HUD RESPA Statement of Policy 1999-1

Federal Trade Commission (FTC)

• Complaints of Unfair and/or Deceptive Marketing of Credit Products
  
  
  • FTC v. First Alliance Mortgage Company
  • In the Matter of First Plus Financial Group, Inc.
    
    
• FTC Guidance on Marketing and Advertising Credit Products
  
  
  • A Business Checklist For Direct Marketers
  • Frequently Asked Advertising Questions
  • How to Advertise Consumer Credit: Complying With the Law
  • FTC Policy Statement on Deception
  • FTC Policy Statement on Unfairness