Official U.S. laws, rules and guidance shaping financial services, banking, markets and payments.
209 U.S. sources Whole-library review: September 28, 2026 Individual records show their own source and update dates.
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209 of 209 documents
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Proposals are not current law. Guidance and examination procedures are distinct from binding rules. Badges summarize the recorded status; full wording and verified implementation dates remain visible. Status does not change automatically with the clock. “Added to library” comes from the source history and does not mean the agency issued new policy that day. Scope tags are navigation aids; read the official applicability provisions.
PROPOSED SUPERVISORY GUIDANCE · COMMENTS OPEN · SEPTEMBER 15, 2026
Bank regulators propose revised third-party risk guidance
The agencies propose tailoring oversight to each third-party relationship’s risks, with implications for fintech partnerships and outsourced services. Comments are due November 16; existing guidance remains in place pending finalization.
TWO FINAL RULES · CAPITAL PLANNING · SEPTEMBER 30, 2026
Fed finalizes changes to bank stress tests and capital buffers
Annual public input will inform scenarios and material model changes. For firms tested in two consecutive years, capital-buffer averaging begins with requirements effective January 1, 2029; the fee-income model change is still only proposed.
PUBLISHED PROPOSALS · COMMENTS OPEN · SEPTEMBER 29, 2026
Fed stablecoin proposals: comments due November 30
Two GENIUS Act proposals now have published comment deadlines: issuer requirements and bank-subsidiary application procedures. Both remain proposed rules.
Official policy source portals Direct links to regulators and rule repositories
New official documentsFederal Register · dated source discoveriesExpand documentsCollapse
Latest 40 documents from selected banking agencies in the past 14 days. Listings are discovery records; check the official document for legal status and scope. The reviewed policy library remains below.
OFAC designated three individuals and two entities under EO 13224, as amended. Treasury describes alleged fundraising through charitable fronts and cryptocurrency channels. The designations are operative sanctions actions, distinct from a criminal conviction; blocking and transaction scope depend on the official sanctions materials.
Scope: U.S.-issued sanctions affecting named parties and applicable owned entities; not a non-U.S.-authority record. Official scope
The October 2 notice extends comments from October 5 to November 4 on the proposal published August 4 (91 FR 49526). Proposed changes address insider-lending thresholds, passive investment-fund interests, statutory requirements and existing interpretations. The extension does not finalize the amendments or replace current Regulation O.
Scope: Proposed amendments to member-bank insider lending; existing Regulation O remains operative. Official scope
FinCEN identifies transactions involving foreign companies controlled by A7 as a class of primary money-laundering concern and proposes prohibiting certain fund transmittals by covered financial institutions. Separately, OFAC designated the A7 Network; the designation and applicable blocking rules are distinct from the pending proposal. The comment period closes 30 days after Federal Register publication.
Scope: FinCEN’s proposed special measure is on public inspection and scheduled for October 5 publication. Its 30-day comment period runs from publication; no final restriction is inferred. The October 1 OFAC designation is separate. Official scope
FinCEN NPRM is on public inspection and scheduled for Federal Register publication October 5, 2026; the restriction remains proposed. The separate OFAC designation was announced October 1.Issuing jurisdiction: United States
OFAC issued automotive- and rail-sector determinations under EO 13902 and designated Iranian industrial businesses and foreign suppliers under EOs 13902 and 13871. The determinations authorize sanctions against persons operating in the sectors; they do not by themselves designate every sector participant. Separate from the A7 proposed special measure.
Scope: U.S.-issued sanctions affecting named parties and applicable owned entities; not a non-U.S.-authority record. Official scope
Abbreviated implementation of EO 14404; separate from part 515. Counterparty blocking and correspondent restrictions depend on applicable OFAC action.
Scope: Abbreviated implementation of EO 14404; separate from part 515. Counterparty blocking and correspondent restrictions depend on applicable OFAC action. Official scope
One final rule averages two annual stress-test capital declines for firms tested in both years and shifts the annual effective date to January 1. The companion final rule adds annual public input on scenarios and material model changes; the Fed separately solicited comment on its noninterest-income model. The separate model/reporting notice was published October 2 (91 FR 62729); comments are due December 1, 2026. Its reporting revisions would apply to the December 31, 2027 report date if adopted.
Scope: The averaging and buffer-calculation rule applies to the specific bank holding companies, savings and loan holding companies, U.S. intermediate holding companies and supervised nonbank financial companies described in the final rule. Averaging first applies to buffer requirements effective January 1, 2029; use the linked final text for thresholds and exceptions. Official scope
OFAC designated targets it associates with a Tren de Aragua ATM-malware and money-laundering network, plus a senior leader, under EOs 13581 and 13224, as amended. Treasury’s descriptions of criminal conduct are agency allegations, not a court judgment. Blocking and transaction scope follow the official designations and applicable sanctions rules.
Scope: U.S.-issued sanctions affecting named parties and applicable owned entities; not a non-U.S.-authority record. Official scope
Section 530A temporary rules; auto-enrollment on or about October 1, eligibility and claiming requirements apply. Companion proposal is separate.
Scope: Section 530A temporary rules; auto-enrollment on or about October 1, eligibility and claiming requirements apply. Companion proposal is separate. Official scope
Agencies identify significant uncertainty in coordinating bank receivership and bankruptcy asset sales and ask AmEx to review its strategy for the July 1, 2028 targeted plan. The OCC Comptroller dissented from the feedback.
Scope: Institution-specific Section 165(d) feedback for American Express, not a new generally applicable rule or a finding of imminent failure. Official scope
September 29 assessment of October 2025 submissions; BNP Paribas’s 2021 shortcoming was satisfactorily addressed. Specific feedback can still require attention despite no formal deficiency.
Scope: Covers the fifteen organizations and submissions identified by the agencies. Not a supervisory rating, guarantee of resolvability or termination of unrelated enforcement actions. Official scope
Published September 29, 2026; comments due November 30. Proposed approval procedures for an insured state member bank seeking a payment-stablecoin-issuing subsidiary.
Scope: Proposed procedures for an insured state member bank seeking approval for a payment-stablecoin-issuing subsidiary. Official scope
Published September 29, 2026; comments due November 30. Proposed requirements for Board-supervised issuers and other specified entities, including broader tying provisions. Not a final rule.
Scope: Proposed Board-supervised issuer and specified-entity requirements; the tying provisions have broader scope stated in the proposal. Official scope
Treasury announced ten designations under EO 13382, with blocking, aggregate 50-percent ownership and specified foreign-financial-institution transaction risks described in the release.
Scope: Named blocked persons and entities they own 50 percent or more in aggregate; restrictions depend on the applicable U.S. nexus and sanctions authority. Certain significant transactions create additional foreign-financial-institution risk. Not a universal prohibition covering all counterparties in the named countries. Official scope
Removes specified affirmative-action and disparate-impact provisions and revises the employment provision in SBA’s federally assisted-program regulations. Intentional discrimination remains prohibited; amendments are confined to part 112.
Scope: Applies to covered SBA federally assisted programs and recipients under 13 CFR part 112. This action does not amend ECOA, Regulation B or the Fair Housing Act. Agency legal reasoning is not a court holding. Official scope
Covered U.S. property is blocked; ownership and transaction scope must follow official sanctions materials. Criminal conduct is alleged by Treasury, not adjudicated here.
Scope: Covered U.S. property is blocked; ownership and transaction scope must follow official sanctions materials. Criminal conduct is alleged by Treasury, not adjudicated here. Official scope
September 28 order finds inadequate and misleading conflict disclosures in adviser referrals. Zoe consented without admitting the findings except jurisdiction. The order distinguishes algorithmic matches from salesperson recommendations.
Scope: Named registered investment adviser and its Section 206(2) obligations; this is not an ECOA, algorithmic-discrimination or AI rulemaking decision. Official scope
Announced September 24; both proposals published September 29, 2026. Comments due November 30. Substantive requirements and application procedures remain proposed; see the separate published notices below.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Seeks input on possible changes to the government-and-business impersonation rule, including the role of platforms and services in facilitating scams. An advance notice explores options; it does not impose the contemplated new duties.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
The holding-company agreement requires a capital plan within 60 days and a 2026 cash-flow projection within 30 days, and prior approval for specified distributions and debt transactions. It references the separate August 6 FDIC/Wisconsin order for Bank of Ontario. These are institution-specific measures; written extensions are permitted by the agreement.
Scope: Ontario Bancorporation holding-company agreement; Bank of Ontario is separately supervised by FDIC and Wisconsin DFI. Official scope
Clarifies supervisory escalation, descriptions of findings and evidence for remediation closure; see the official statement and accompanying PDF.
Scope: Operational principles for Federal Reserve supervisory staff; they guide examination and escalation practices and do not themselves amend generally applicable regulations or bind other agencies. Official scope
Federal Reserve supervisory instructions; September 24 statement supersedes April 21 version. Guidance for Federal Reserve supervision, not a statute or other agencies’ policy.Issuing jurisdiction: United States
Case 22-cv-04174-JSW: U.S. issuers of Apple Pay-enabled cards that paid transaction fees. Signed September 23 order inspected through counsel-hosted copy; certification does not decide merits or alter fees.
Scope: Case 22-cv-04174-JSW: U.S. issuers of Apple Pay-enabled cards that paid transaction fees. Signed September 23 order inspected through counsel-hosted copy; certification does not decide merits or alter fees. Official scope
Published September 22 after September 17 approval. Proposes host-state-law parity for out-of-state state banks serving customers with or without a branch. It would not change loan-interest-rate authority or itself determine that a particular state law is preempted.
Scope: Addresses out-of-state state banks under section 24(j), with or without a host-state branch; does not itself decide preemption of an individual law. Official scope
September 22 notice corrects the OCC docket identifier to OCC-2025-0174 in the September 1 final rule. It does not change the substantive requirements or the November 2 effective date. Read with the retained original rule.
Scope: Corrects the original rule’s OCC docket number only; covered institutions and the effective date are unchanged. Official scope
Updates the structure and references of the Cybersecurity Supervision Work Program and rescinds the 2023 bulletin. The OCC says the update adds no procedures and establishes no new regulatory expectations.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
BARR_154 substitute adopted September 16; proposed changes are not current law.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Official floor record of the unsuccessful cloture vote on proceeding.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Proposes tailored interagency guidance and replacement of existing guidance if finalized. Comments are due November 16, 2026; the proposal itself does not replace the current framework.
Scope: Banks addressed by the issuing agencies, within the document’s stated scope. Guidance and proposals do not create blanket obligations for every partner or vendor. Official scope
Raises the asset threshold from $3 billion to less than $6 billion for qualifying institutions. Ratings, capital and other eligibility conditions still apply, and agencies retain authority to examine more frequently. This is an effective interim final rule accepting comments, not merely a proposal.
Scope: Qualifying insured institutions below $6 billion and eligible U.S. branches/agencies of foreign banks; ratings, capital, enforcement and control-change conditions apply. A longer cycle is not guaranteed. Official scope
September 14 proposed substitute EHF26724; not enacted law.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
September 11 statement identifies transparency, contract terms and technology as factors in allocating supervisory attention to core providers. Community banks retain responsibility for safe operations and compliance. This statement is separate from the proposed general third-party guidance.
Scope: Addresses community banking organizations and certain core-provider services within the issuing agencies’ authority; does not release banks from their own obligations. Official scope
September 8 FAQs explain when unexpired government-issued digital credentials can support documentary identity verification under existing CIP requirements. Acceptance is optional; credentials and systems must meet the stated safeguards. The FAQs create no new BSA requirements or supervisory expectations.
Scope: Banks and credit unions using government-issued digital credentials under their CIP; the identity, technology and fraud safeguards in the FAQs remain applicable. Official scope
Covers specified Texas and New Mexico ZIP codes and certain currency transactions of $1,000–$10,000. October 3 compliance applies only to newly covered businesses. The order expressly excludes businesses protected by an applicable injunction while it remains in force; individual coverage requires checking those terms.
Scope: Only covered money services businesses in listed ZIP codes, subject to transaction exceptions and the order’s court-injunction exclusion. No individual business’s litigation coverage was adjudicated in this review. Official scope
The Federal Reserve terminated the August 29, 2024 order effective September 2, 2026; historical action, no longer active.
Scope: This record concerns the named institution and the terms/status of the specific official action. Read the underlying order and current agency notices; it does not establish a public supervisory rating. Official scope
The Federal Reserve terminated the August 29, 2024 order effective September 2, 2026; historical action, no longer active.Issuing jurisdiction: United States
FinCEN identifies the defined five UAE branches as a primary money-laundering concern and proposes correspondent-account restrictions and special diligence. The finding is the agency’s assessment; the proposed special measure is not a final prohibition and does not cover Banque Misr operations in other countries.
Scope: Proposed special measure concerns covered U.S. financial institutions and the five UAE branches defined in the notice, not the bank’s operations worldwide. Official scope
Final definitions and related supervisory standards, effective November 2, 2026. The September 22 correction changes the OCC docket number to OCC-2025-0174 only; the substantive rule and effective date are unchanged.
Scope: Banks addressed by the issuing agencies, within the document’s stated scope. Guidance and proposals do not create blanket obligations for every partner or vendor. Official scope
Introduced text; compare with the subsequently adopted committee substitute.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Revises CTA reporting; distinct from a bank’s customer due-diligence obligations.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Transmits version 2.0 of the allowance handbook under ASC Topic 326, replacing the 2021 booklet and older loan-and-lease-loss material. Reflects CECL adoption and the April 2023 interagency allowance-policy revisions.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
Housing, mortgage and bank-funding provisions; includes Keeping Deposits Local in section 902.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Federal Reserve governor removal, statutory process and the limits of the stay ruling.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
FTC commissioner removal protection and presidential control of executive officials.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Introduces the updated Comptroller’s Handbook booklet and identifies superseded materials. Use the linked booklet for portfolio oversight and lending-risk examination practices, alongside product-specific guidance.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
Links to the June 12, 2026 fact sheet and current participation resources.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Removes additional reputation-risk references from interagency documents.
Scope: Banks addressed by the issuing agencies, within the document’s stated scope. Guidance and proposals do not create blanket obligations for every partner or vendor. Official scope
Binding OCC consent order announced May 21, 2026. Status checked September 28, 2026; consult the order and OCC action page for current requirements.
Scope: This record concerns the named institution and the terms/status of the specific official action. Read the underlying order and current agency notices; it does not establish a public supervisory rating. Official scope
Binding OCC consent order announced May 21, 2026. Status checked September 28, 2026; consult the order and OCC action page for current requirements.Issuing jurisdiction: United States
Legislative history: its upper tier differs from enacted Public Law 119-101 section 902.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Separate limited-account proposal; does not expand statutory eligibility.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Proposed changes to the Uniform Financial Institutions Rating System.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Official implementation page links the May 1, 2026 final rule revising coverage, data collection and other provisions, with compliance extended to January 1, 2028. The CFPB notes that supporting implementation materials will be updated later.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Final amendments addressing disparate impact, discouragement and special-purpose credit programs. The Federal Register specifies July 21, 2026 as the effective date; the CFPB’s current ECOA resource page links this action. Read the amended text when using older fair-lending examination materials.
Scope: Covered creditors, including qualifying bank and nonbank lenders. Product coverage, creditor definitions, transaction thresholds and exemptions control applicability. Official scope
Replaces SR 11-7 and SR 21-8; emphasizes a tailored, risk-based approach.
Scope: Interagency bank model-risk guidance. The Federal Reserve transmittal says it is expected to be most relevant to organizations above $30 billion in total assets regulated by the Fed; practices are tailored to size, complexity and model use. Read the attachment and the applicable agency’s transmittal. Official scope
Would allow additional intermediaries in FedNow transfer chains.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Treasury proposal for stablecoin issuer AML and sanctions compliance programs.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
April proposal concerning risk-based financial-institution AML programs.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Proposed standards for FDIC-supervised permitted payment stablecoin issuers.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Separate OCC/FDIC action; does not establish finality of the Fed proposal.
Scope: Banks addressed by the issuing agencies, within the document’s stated scope. Guidance and proposals do not create blanket obligations for every partner or vendor. Official scope
Enforcement action; binding consent order dated March 25, 2026. The bank consented without admitting or denying charges. Corrective action plan required. Status checked September 28, 2026.
Scope: This record concerns the named institution and the terms/status of the specific official action. Read the underlying order and current agency notices; it does not establish a public supervisory rating. Official scope
Enforcement action; binding consent order dated March 25, 2026. The bank consented without admitting or denying charges. Corrective action plan required. Status checked September 28, 2026.Issuing jurisdiction: United States
Official release linking the March capital package, including standardized and G-SIB proposals.
Scope: Banks addressed by the issuing agencies, within the document’s stated scope. Guidance and proposals do not create blanket obligations for every partner or vendor. Official scope
Directs consideration of mortgage, capital, liquidity and process reforms.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Clarifies trust-company and related activities under Part 5.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
OCC proposal and links to implementing regulatory text.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
Proposal to codify removal of reputation risk from Fed supervisory programs.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Amends Part 328 requirements for digital deposit-taking channels, ATMs and related signs. Effective March 2, 2026, with an April 1, 2027 compliance date for these amendments; distinguish this timetable from other Part 328 obligations.
Scope: Covered FDIC-insured institutions or deposit relationships. Institution size, ownership category and other rule-specific conditions determine which provisions apply. Official scope
CFPB status page notes the October 29, 2025 stay of compliance dates.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Reconsideration questions on representatives, fees, security and privacy.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Final guidance on identity proofing, authentication and federation, replacing SP 800-63-3. Useful for evaluating assurance levels and vendor controls; it does not independently establish compliance with bank CIP requirements.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Public Law 119-27. General effectiveness depends on the statutory timing trigger.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Binding consent order issued January 17, 2025; company consented without admitting or denying findings except jurisdiction. Completion of obligations not independently confirmed. Status checked September 28, 2026.
Scope: This record concerns the named institution and the terms/status of the specific official action. Read the underlying order and current agency notices; it does not establish a public supervisory rating. Official scope
Binding consent order issued January 17, 2025; company consented without admitting or denying findings except jurisdiction. Completion of obligations not independently confirmed. Status checked September 28, 2026.Issuing jurisdiction: United States
Open-banking provisions; read with the compliance-status page and pending reconsideration.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Guidance on fraud governance, prevention, detection, response and loss monitoring across the bank. The posted bulletin marks removal of reputation-risk references on March 20, 2025.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
Sanctions risk assessment, internal controls, testing, training and management commitment.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
General definitions, reporting, records and information-sharing requirements.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Bank-specific AML, customer identification, reporting and recordkeeping rules.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Bank SAR obligations, timing, records and confidentiality.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Beneficial-owner identification and verification requirements for covered institutions.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Bank CIP examination guidance covering identification, verification, recordkeeping and reliance arrangements. Links the operating controls to their BSA regulatory authority; using a vendor does not by itself satisfy the bank’s program obligations.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Official examination modules for BSA/AML programs, regulatory requirements and selected products and customer risks. Sections carry their own update dates; the manual explains examination procedures and does not replace the underlying rules.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Recordkeeping provisions for financial institutions, including funds-transfer information and transmission requirements. Relevant to payment-chain data quality; apply the rule’s definitions, thresholds and exceptions.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Sanctions-related reporting, procedures and enforcement guidelines.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Law-enforcement requests and the separate mandatory information-sharing process.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Voluntary information sharing, eligibility, notice and safe-harbor conditions.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Interagency guidance on independent, ongoing credit review and communication of portfolio performance to management and the board. Discusses tailoring review systems to the institution’s size, complexity and risk profile.
Scope: Banks addressed by the issuing agencies, within the document’s stated scope. Guidance and proposals do not create blanket obligations for every partner or vendor. Official scope
Examiner reference for risks, sound practices and regulatory requirements relating to the bank audit function. Helps distinguish independent assurance from management’s own monitoring.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
Examination reference for board oversight, management responsibilities and bank risk governance. Use the posted revision notices and applicable rules alongside this July 2019 handbook.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
Consumer-compliance risk management within the OCC’s risk-based examination approach. Useful for evaluating compliance programs and oversight across products and service providers.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
Covers management oversight, the compliance program, service-provider controls, violations and consumer harm. Useful for testing whether responsibilities and corrective actions work across the product lifecycle.
Scope: Entities within the CFPB’s supervisory authority for the relevant product; this is examination guidance, not a grant of supervisory jurisdiction. Official scope
Official manual and chapter index for consumer-financial-law examinations. The full manual is identified as updated July 2026, while individual modules retain separate dates; examination guidance must be read with current law.
Scope: Entities within the CFPB’s supervisory authority for the relevant product; this is examination guidance, not a grant of supervisory jurisdiction. Official scope
Procedural framework for FDIC administrative proceedings and related matters. Helps readers interpret notices, hearings and enforcement documents without treating an allegation as a final adjudication.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Safety-and-soundness standards for covered FDIC-supervised institutions.
Scope: FDIC-supervised institutions within the document’s scope, including covered state nonmember banks. Other charter types and service providers may be addressed by specific provisions. Official scope
Independent audit, management reporting and audit-committee requirements for covered insured institutions. Check the applicable asset thresholds and effective dates rather than assuming one requirement applies to every bank.
Scope: Covered FDIC-insured institutions or deposit relationships. Institution size, ownership category and other rule-specific conditions determine which provisions apply. Official scope
Single-borrower lending limits, combination rules and exceptions for covered OCC-supervised institutions. A useful starting point for concentration controls and connected-borrower analysis.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
Standards, compliance-plan procedures and appendices.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
Loans to executive officers, directors and principal shareholders.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Restrictions and requirements governing covered affiliate transactions.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Rules addressing FDIC resolutions and receiverships, including claims and selected contractual and securitization issues. Useful for separating the failed bank, the receivership and an acquiring institution.
Scope: Covered FDIC-insured institutions or deposit relationships. Institution size, ownership category and other rule-specific conditions determine which provisions apply. Official scope
FDIC’s central examination reference for asset quality, management, earnings, liquidity and other safety-and-soundness topics. Chapters carry separate revision dates; consult the current chapter and controlling rules rather than treating the collection as one newly issued document.
Scope: FDIC-supervised institutions within the document’s scope, including covered state nonmember banks. Other charter types and service providers may be addressed by specific provisions. Official scope
Section 39 authority for operational and managerial standards and compliance plans.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Explains repricing, basis, yield-curve and option risk and the management of those exposures. Supports analysis of variable-rate cards, fixed-rate installments and funding-cost sensitivity.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
Regulation RR requirements for asset-backed securitizations.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Capital requirements for covered FDIC-supervised institutions.
Scope: FDIC-supervised institutions within the document’s scope, including covered state nonmember banks. Other charter types and service providers may be addressed by specific provisions. Official scope
Capital adequacy requirements for covered Federal Reserve-regulated organizations.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Regulatory capital and risk-weighted asset requirements.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
Liquidity coverage ratio and net stable funding ratio provisions for covered institutions. Provides the regulatory treatment of liquid assets, outflows and funding stability; applicability and tailoring matter.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
OCC examination handbook addressing UDAP and UDAAP risks. Read with the underlying statutory standards when reviewing product terms, marketing, servicing and consumer harm. The catalog dates this edition December 3, 2024.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
Covers loans with four or fewer installments and no finance charge, including repayment capacity, fraud, refunds and partner oversight. Reputation-risk references were removed March 20, 2025. Its older model-risk citation should be read alongside the replacement SR 26-2 guidance.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
Retail lending strategy, underwriting, portfolio monitoring, collections and controls; useful context for roll rates and risk-adjusted pricing.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
Principles for responsibly offering small-dollar credit, with attention to successful repayment, clear terms and sound risk management. Provides product-design context alongside applicable consumer-credit rules.
Scope: Banks addressed by the issuing agencies, within the document’s stated scope. Guidance and proposals do not create blanket obligations for every partner or vendor. Official scope
Modular examination procedures for credit-card account management. The agency retains the February 2015 update; check current Regulation Z and subsequent policy changes when applying its review steps.
Scope: Entities within the CFPB’s supervisory authority for the relevant product; this is examination guidance, not a grant of supervisory jurisdiction. Official scope
Interagency guidance covering credit limits, over-limit practices, minimum payments, negative amortization and workouts. This is a historical issuance still posted for reference; allowance accounting must also follow current GAAP, CECL guidance and reporting instructions.
Scope: Covered creditors, including qualifying bank and nonbank lenders. Product coverage, creditor definitions, transaction thresholds and exemptions control applicability. Official scope
Retail classification and charge-off standards, re-aging criteria, and controls over extensions, deferrals, renewals and rewrites.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Scope: Covered creditors, including qualifying bank and nonbank lenders. Product coverage, creditor definitions, transaction thresholds and exemptions control applicability. Official scope
Rules for determining APR on covered closed-end credit, including calculation and accuracy provisions. Supports comparisons between an installment loan’s stated interest rate and its disclosed credit cost.
Scope: Covered creditors, including qualifying bank and nonbank lenders. Product coverage, creditor definitions, transaction thresholds and exemptions control applicability. Official scope
Required disclosure content for covered closed-end credit, including amount financed, finance charge, APR and payment terms. Scope and exceptions matter, particularly for mortgage products governed by other disclosure provisions.
Scope: Covered creditors, including qualifying bank and nonbank lenders. Product coverage, creditor definitions, transaction thresholds and exemptions control applicability. Official scope
FDIC compliance and Community Reinvestment Act examination resource. Individual chapters have different revision dates; newer laws, final rules and agency instructions must be read alongside older examination text.
Scope: FDIC-supervised institutions within the document’s scope, including covered state nonmember banks. Other charter types and service providers may be addressed by specific provisions. Official scope
Examiner guidance on card-bank operations, associated risks, risk management and regulatory requirements. Useful for reviewing underwriting, account management and credit-card portfolio governance.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
Ability-to-pay requirements for opening card accounts and increasing credit limits, including special rules for younger consumers. Separate from the mortgage ability-to-repay and qualified-mortgage framework.
Scope: Covered creditors, including qualifying bank and nonbank lenders. Product coverage, creditor definitions, transaction thresholds and exemptions control applicability. Official scope
Direct access to billing-error notices, creditor investigation and resolution procedures, and treatment of disputed amounts. Useful for tracing disputes across a bank, servicer and technology partner.
Scope: Covered creditors, including qualifying bank and nonbank lenders. Product coverage, creditor definitions, transaction thresholds and exemptions control applicability. Servicing teams should use these provisions to support the covered creditor’s responsibilities. Official scope
Special card provisions covering issuance, unauthorized use, claims and defenses, and selected account practices. Claims-and-defenses rights have their own conditions and should not be conflated with billing-error procedures.
Scope: Covered creditors, including qualifying bank and nonbank lenders. Product coverage, creditor definitions, transaction thresholds and exemptions control applicability. Official scope
Limitations and exceptions for increasing credit-card APRs, fees and charges. Useful for distinguishing permitted variable-rate changes from other repricing actions and assessing treatment of existing balances.
Scope: Covered creditors, including qualifying bank and nonbank lenders. Product coverage, creditor definitions, transaction thresholds and exemptions control applicability. Official scope
Defines which costs count as finance charges and addresses specified inclusions and exclusions. A useful starting point for evaluating loan fees and APR disclosures; product-specific provisions and commentary still matter.
Scope: Covered creditors, including qualifying bank and nonbank lenders. Product coverage, creditor definitions, transaction thresholds and exemptions control applicability. Official scope
Prohibited credit-contract provisions, cosigner notices and late-charge practices within FTC jurisdiction. Bank applicability requires separate analysis; this is not a universal rule for every lender.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Guidance on closed-end consumer lending risks and controls. The booklet distinguishes installment credit from open-end cards and complements the OCC’s broader portfolio and supervision materials.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
Consumer-credit protections for covered service members and dependents.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Covered-loan definitions, payment-transfer restrictions, consumer notices and recordkeeping. The text identifies reserved provisions; read it with current implementation and enforcement materials rather than applying removed underwriting requirements.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Open-end credit payment rules, including crediting payments and handling specified payment situations. Use alongside the separate payment-allocation and billing-error sections when assessing card servicing.
Scope: Covered creditors, including qualifying bank and nonbank lenders. Product coverage, creditor definitions, transaction thresholds and exemptions control applicability. Servicing teams should use these provisions to support the covered creditor’s responsibilities. Official scope
Consumer lease disclosures and advertising requirements.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Consumer-credit disclosures, cards, mortgages and ability-to-repay provisions.
Scope: Covered creditors, including qualifying bank and nonbank lenders. Product coverage, creditor definitions, transaction thresholds and exemptions control applicability. Official scope
Advertising requirements for open-end credit, including promotional and deferred-interest disclosures.
Scope: Covered creditors, including qualifying bank and nonbank lenders. Product coverage, creditor definitions, transaction thresholds and exemptions control applicability. Official scope
Allocation of payments above the required minimum on covered credit-card accounts, including special treatment of deferred-interest balances.
Scope: Covered creditors, including qualifying bank and nonbank lenders. Product coverage, creditor definitions, transaction thresholds and exemptions control applicability. Servicing teams should use these provisions to support the covered creditor’s responsibilities. Official scope
Periodic-statement content, including deferred-interest payoff information and other account disclosures.
Scope: Covered creditors, including qualifying bank and nonbank lenders. Product coverage, creditor definitions, transaction thresholds and exemptions control applicability. Official scope
Interest-rate protections for qualifying obligations incurred before military service.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Federal authority concerning unfair, deceptive or abusive acts or practices.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Utah consumer-credit requirements and applicable exemptions.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
March 2022 procedures incorporate Regulation F and cover communications, debt validation, information sharing, payment processing and account maintenance. Examination scope determines the modules used.
Scope: Entities within the CFPB’s supervisory authority for the relevant product; this is examination guidance, not a grant of supervisory jurisdiction. Official scope
Validation information, itemization and delivery requirements for covered debt collectors. Applicability turns on the FDCPA and Regulation F definitions; originating creditors are not automatically covered debt collectors.
Scope: Debt collectors covered by the FDCPA and Regulation F. A creditor or servicer is not automatically a covered debt collector. Official scope
Restrictions on telemarketing, calls and texts; check the operative provisions and dates.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Generative-AI risk considerations and suggested actions.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
AI governance and risk-management framework; not a banking regulation.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Procedures for evaluating technology and service-provider controls as part of consumer-compliance management. Connects system design, oversight and testing to risks of consumer harm.
Scope: Entities within the CFPB’s supervisory authority for the relevant product; this is examination guidance, not a grant of supervisory jurisdiction. Official scope
OCC notification requirements for covered incidents and bank service providers.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
Subpart C contains the FDIC-supervised bank and service-provider notification framework. Section 304.23 sets the bank’s outside limit at 36 hours after determining that a notification incident occurred; service providers have a distinct trigger under §304.24.
Scope: FDIC-supervised institutions within the document’s scope, including covered state nonmember banks. Other charter types and service providers may be addressed by specific provisions. Official scope
Statutory recognition of electronic signatures and records, with conditions for electronic delivery of legally required consumer disclosures. Useful for consent, retention and reproducibility controls in digital account opening.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Information-security requirements for financial institutions within FTC jurisdiction.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Official regulation, coverage guidance, exemptions, incident reporting and compliance resources for DFS-covered entities. State licensing and the applicable exemption determine coverage; a federal bank charter alone is not the test.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Official framework, implementation resources and profiles for organizing cybersecurity risk management. A voluntary framework for most private-sector users; distinguish its outcomes from binding banking requirements.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Privacy notices and limits on disclosure of nonpublic personal information.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
A customizable security and privacy control catalog. The official page links Release 5.2.0, issued August 27, 2025, and its changes. Useful for mapping controls; adopting the catalog is not evidence that controls operate effectively.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Official explanation of consumer data rights, covered-business thresholds and privacy responsibilities, with a link to the Act. Check statutory exclusions and financial-services exemptions before applying the general requirements.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Official access point for Utah AI policy, regulatory-relief work and the supervised AI Sandbox. Program participation and proposed policy changes should not be treated as general exemptions from financial-services law.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Examination guidance for assessing liquidity exposure and the quality of funding-risk management. Connects deposit behavior, available funding and liquidity controls; the agency page identifies version 1.2, May 2023.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
Section 29 authority. The linked code edition may precede Public Law 119-101; use section 902 of that law for the enacted reciprocal-deposit formula.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Includes brokered-deposit acceptance restrictions, waivers and related funding provisions. Read the regulatory text alongside statutory amendments and the institution’s capital category.
Scope: Covered FDIC-insured institutions or deposit relationships. Institution size, ownership category and other rule-specific conditions determine which provisions apply. Official scope
Ownership categories, aggregation and deposit-insurance coverage rules.
Scope: Covered FDIC-insured institutions or deposit relationships. Institution size, ownership category and other rule-specific conditions determine which provisions apply. Official scope
Recordkeeping and information-system capabilities that enable timely insurance determinations at covered institutions. Relevant to depositor records, account ownership and resolution readiness; the rule does not apply to every insured bank.
Scope: Covered FDIC-insured institutions or deposit relationships. Institution size, ownership category and other rule-specific conditions determine which provisions apply. Official scope
Aggregation by depositor, ownership right and capacity, and insured institution; distinguishes separate banks from branches of one bank.
Scope: Covered FDIC-insured institutions or deposit relationships. Institution size, ownership category and other rule-specific conditions determine which provisions apply. Official scope
Ownership evidence, fiduciary disclosure and records supporting beneficial interests, including multilevel custodial relationships.
Scope: Covered FDIC-insured institutions or deposit relationships. Institution size, ownership category and other rule-specific conditions determine which provisions apply. Official scope
General and alternative recordkeeping requirements supporting deposit-insurance determinations at institutions within Part 370’s scope.
Scope: Covered FDIC-insured institutions or deposit relationships. Institution size, ownership category and other rule-specific conditions determine which provisions apply. Official scope
Official signs, advertising and representations about deposit insurance.
Scope: Covered FDIC-insured institutions or deposit relationships. Institution size, ownership category and other rule-specific conditions determine which provisions apply. Official scope
Official collection linking the liquidity examination chapter and interagency guidance on funding diversification, cash-flow projections, stress testing and contingency funding. Resource dates differ; use the specific linked document’s date.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Deposit definitions, reserve-account requirements and interest on reserve balances. Useful for distinguishing deposit classification from the rates a bank pays customers; consult current amendments before applying a numerical threshold.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Deposit-account disclosures, interest calculations and advertising.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Coverage basics and ownership-category rules; complements the regulatory text.
Scope: Covered FDIC-insured institutions or deposit relationships. Institution size, ownership category and other rule-specific conditions determine which provisions apply. Official scope
Addresses consumer-protection opportunities and risks from alternative underwriting data, including cash-flow data. Encourages analysis of applicable laws and compliance controls before deployment; it does not exempt a model from consumer-protection requirements.
Scope: Covered creditors, including qualifying bank and nonbank lenders. Product coverage, creditor definitions, transaction thresholds and exemptions control applicability. Official scope
Notification timing, incomplete applications, specific reasons and business-credit variations under Regulation B. Relevant to automated underwriting and the evidence supporting the reasons given to an applicant.
Scope: Covered creditors, including qualifying bank and nonbank lenders. Product coverage, creditor definitions, transaction thresholds and exemptions control applicability. Official scope
Reasonable measures for disposing of consumer-report information and records held for a business purpose. Relevant to retention schedules, document destruction and disposal service-provider oversight.
Scope: Persons maintaining or possessing consumer-report information for a business purpose, within the rule’s scope. Official scope
Requires reasonable written policies and procedures for accuracy and integrity of information furnished to consumer reporting agencies, taking account of the furnisher’s activities and applicable Appendix E guidelines.
Scope: These resources address consumer-reporting activities; the furnishing provisions apply when an entity furnishes covered information. Other FCRA roles have distinct obligations. Official scope
Scope, notice content, investigation duties and exceptions for disputes sent directly to a furnisher. Helps distinguish direct-dispute workflows from disputes routed through a consumer reporting agency.
Scope: These resources address consumer-reporting activities; the furnishing provisions apply when an entity furnishes covered information. Other FCRA roles have distinct obligations. Official scope
Credit decisions, fair lending, adverse action and record retention.
Scope: Covered creditors, including qualifying bank and nonbank lenders. Product coverage, creditor definitions, transaction thresholds and exemptions control applicability. Official scope
Consumer reporting, furnishing information, disputes and related obligations.
Scope: These resources address consumer-reporting activities; the furnishing provisions apply when an entity furnishes covered information. Other FCRA roles have distinct obligations. Official scope
Discriminatory housing practices, including relevant residential lending provisions.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Real-estate lending standards, appraisal requirements and appraisal-management provisions. Distinguish underwriting standards from property valuation and the exceptions applicable to a particular transaction.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
Mortgage data collection, reporting and disclosure.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Instructions for collecting and reporting applicant ethnicity, race and sex, including treatment across application methods.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Federal registration requirements for covered residential mortgage loan originators.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
State mortgage licensing and registration framework.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Mortgage settlement, servicing, escrow and loss-mitigation requirements.
Scope: Entities within the CFPB’s supervisory authority for the relevant product; this is examination guidance, not a grant of supervisory jurisdiction. Official scope
The January 2022 opinion explains the rule’s relationship to independent state-law rights to attorney fees and costs; it is not a universal fee entitlement.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Credit analysis, documentation, monitoring and counterparty considerations for purchased loans and participations. The posted text removes reputation-risk references as of March 20, 2025.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
Examination modules span marketing, origination, servicing, collections, repossession, reporting and privacy. The posted August 2019 procedures should be read with later rule changes, including the 2026 Regulation B amendments.
Scope: Entities within the CFPB’s supervisory authority for the relevant product; this is examination guidance, not a grant of supervisory jurisdiction. Official scope
Collateral-based lending risks and examination guidance. Useful for borrowing-base design, collateral monitoring and warehouse-line controls. The catalog identifies the January 2017 edition; use the currently posted booklet and its revision notices.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
Guidance for underwriting and administering acquired loans and participations with appropriate independent credit assessment. Originally issued November 6, 2015; the FDIC identifies a February 2026 revision. Useful for forward-flow and loan-purchase diligence.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Preservation of consumer claims and defenses in covered credit contracts.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
April 2021 staff clarification correcting the earlier suggestion that transactions above $25,000 were exempt from the Holder Rule.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Regulatory framework for SBA business-loan programs, including 7(a) and 504 requirements and lender oversight. Business lending is distinct from consumer credit; program eligibility and guaranty conditions require separate review.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
DFI’s official implementation resource for Title 7, Chapter 27, including registration, transaction disclosures and links to statutory requirements. Relevant to business financing and merchant finance; review the Act’s exemptions.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Responsibility, records and risks in bank-fintech deposit programs.
Scope: Banks addressed by the issuing agencies, within the document’s stated scope. Guidance and proposals do not create blanket obligations for every partner or vendor. Official scope
Practical considerations for community-bank third-party relationships.
Scope: Banks addressed by the issuing agencies, within the document’s stated scope. Guidance and proposals do not create blanket obligations for every partner or vendor. Official scope
Planning, diligence, contracts, monitoring and termination; tailored to risk.
Scope: Banks addressed by the issuing agencies, within the document’s stated scope. Guidance and proposals do not create blanket obligations for every partner or vendor. Official scope
Restrictions and exceptions governing activities and investments of insured state banks and savings associations, including subsidiaries and FDIC consent. Useful when assessing charter-specific partnership or product authority.
Scope: Covered insured state banks and insured savings associations; activity and subsidiary restrictions have specific exceptions. Official scope
Current rule text on covered industrial-bank parent companies, written agreements, commitments and subsidiary restrictions. Relevant to Utah industrial-bank structures; apply the rule’s definitions and scope before assuming every parent is covered.
Scope: Industrial banks and covered parent companies within Part 354’s definitions and scope. Official scope
Applications, notices and corporate activities for OCC-supervised institutions.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
Bank holding companies and changes in bank control.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
State-regulator entry point to financial-institution law and administrative rules.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Utah banking, financial-institution and related charter authorities.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Overview of payment systems, payment types, operational exposures and risk-management practices. Useful context for bank payment operations and outsourced processing.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
The operational rule for error notices, investigations, provisional credit and resolution communications. Includes exceptions and official interpretations relevant to building an investigation timeline.
Scope: Covered consumer accounts and electronic transfers; financial-institution definitions, transaction type and section-specific exceptions matter. Official scope
Examiner guidance on card-payment merchant processing and related risk management. Merchant acquiring and processing differ from card issuance, making this a useful companion to issuer and POS-lending controls.
Scope: OCC-supervised institutions within this document’s scope. Check its applicability provisions for federal savings associations and foreign-bank branches. Official scope
Rules governing fees for paying ATM and one-time debit-card overdrafts, including affirmative consent and associated disclosures. The section’s scope is narrower than all overdraft transactions.
Scope: Covered consumer accounts and electronic transfers; financial-institution definitions, transaction type and section-specific exceptions matter. Official scope
Availability, collection and return of checks and related disclosures.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Consumer transfers, error resolution, unauthorized payments and remittances.
Scope: Covered consumer accounts and electronic transfers; financial-institution definitions, transaction type and section-specific exceptions matter. Official scope
Authorization, consumer copies, stop-payment rights and other requirements for preauthorized electronic transfers.
Scope: Covered consumer accounts and electronic transfers; financial-institution definitions, transaction type and section-specific exceptions matter. Official scope
Debit-card interchange standards, exemptions, fraud-prevention adjustments and network-routing restrictions. Relevant to issuer economics and merchant acceptance; coverage differs across issuers and provisions.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Check collection, Fedwire funds transfers and FedNow transfers.
Scope: Coverage varies by the document, product, activity and jurisdiction. Open the official source for its definitions, exemptions and thresholds. Official scope
Consumer-liability rules for unauthorized electronic fund transfers, including the effect of notice timing and access-device loss. Read alongside error-resolution procedures, rather than treating fraud classification alone as the liability decision.
Scope: Covered consumer accounts and electronic transfers; financial-institution definitions, transaction type and section-specific exceptions matter. Official scope