Compliance Monitoring Program for State Non-Member Banks

Tailored to the FDIC's requirements, this manual provides clear compliance guidance, including coverage of all the consumer regulations, each regulation's purpose, requirements, exemptions, and liabilities for noncompliance. It offers detailed coverage of compliance responsibilities by function, compliance checklists, audit procedures, training guidelines, checklists, and sample forms and reports. It's an essential resource for compliance officers.

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Get Everything You Need to Monitor Compliance Throughout Your Bank — Tailored to the FDIC’s Requirements!

FDIC examiners are paying more attention to the quality and scope of compliance monitoring. You need to have the right tools to satisfy the FDIC’s expectations for ongoing compliance monitoring, prepare for your next compliance exam, and satisfy the latest risk management requirements on compliance more efficiently and safely.

•  Tailored to meet the regulatory and examination requirements of the FDIC.
•  Focused on state non-member banks, so you don’t need to spend time narrowing broad-based instructions to your needs.
•  Gives you everything you need in one convenient resource so you don’t waste time developing checklists and worksheets for each department or division.
•  Includes a complete internal compliance monitoring program broken down into reviews by law, regulation, and ruling.
•  Product/service guidelines refer you to all the regs and rulings that apply to lending products, deposit and nondeposit products, and to all the events that trigger specific regulations.
•  Sample work papers can be easily adapted to your needs, including a compliance monitoring schedule, risk sampling grids, a memo of request, and an internal review checklist.
•  Includes easily adapted example procedures, worksheets, and checklists for each regulation, law, or ruling.
•  Gives you monitoring procedures, worksheets, and checklists for all the lending products. Regulations and sections of regulations are grouped under the specific lending products they affect, and everything is organized into internal review programs for those products.

Subscribers will receive a downloadable file containing editable forms

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•  The entire publication is provided in a Folio infobase, offering a robust search engine and the ability to jump from one search match to the next through the entire publication. The Table of Contents for the entire publication can be viewed side-by-side with the text.

•  Editable Microsoft® Word files are included in the Folio infobase and can be downloaded and customized. The Word files are fully Formatted and will be updated to reflect changes made in corresponding text sections of the publication. Word files are provided for a variety of documents, including exhibits, Checklists, sample policies, sample Procedures, sample audits, Questionnaires, and model Forms.

This publication includes editable Word files for the following documents:

Form No. & Title

A1.09.1 BLANK STATE NON-MEMBER BANK COMPLIANCE TESTING SCHEDULE (For Reviews Performed by Law, Regulation, or Ruling)

A1.10.1 BLANK STATE NON-MEMBER BANK COMPLIANCE TESTING SCHEDULE — FOR LENDING REVIEWS PERFORMED BY PRODUCT, AND REMAINING REVIEWS PERFORMED BY LAW, REGULATION, AND RULING

A1.06.1 BLANK STATE NON-MEMBER BANK COMPLIANCE TESTING SCHEDULE (For Lending Reviews Performed by Product and Remaining Reviews Performed by Law, Regulation, or Ruling)

A3.07.1 State Non-Member Bank Regulatory Risk Sampling Grid (For Lending Reviews Performed by Product and Remaining Reviews Performed by Law, Regulation, and Ruling)

A3.10.1 EXHIBIT A Product and Services Profile

A3.10.2 EXHIBIT B Product and Services Profile

A3.10.3 EXHIBIT C Product and Services Profile

A3.12 State Non-Member Bank Regulatory Risk Sampling Grid (For Reviews Performed by Law, Regulation, and Ruling)

A5.02 Internal Compliance Review Checklist

B1.02.A Equal Credit Opportunity Act Procedures

B1.02.1 Policy and Procedures Review Checklist

B1.02.2 Applicable Forms and Documentation Review Checklist

B1.02.3 Adverse Action Consumer-Purpose Credit Form Checklist

B1.02.4 Adverse Action Business-Purpose Credit Form Checklist — I

B1.02.5 Adverse Action Business-Purpose Credit Form Checklist — II

B1.02.6 Application Review Checklist

B1.03.1 Fair Housing Act Procedures

B1.03.2 Policy and Procedures Review Checklist

B1.03.3 Applicable Forms and Documentation Review Checklist

B1.03.4 Fair Housing Act Checklist

B1.03.5 Fair Housing Act Advertising Checklist

B1.04.1 Self-Evaluation of the Fair Housing Act and Equal Credit Opportunity Act Procedures

B1.04.2 Loan Officer Interview Checklist

B1.04.3 Attachment A File Checklist

B1.04.4 Attachment B Comparative Analysis Grid

B1.04.5 Attachment C Sample Comparative Analysis Grid

B1.04.6 Attachment D Comparative Analysis Side-by-Side Table

B1.04.7 Attachment E Sample Comparative Analysis Side-by-Side Table

B1.04.8 Fair Lending Checklist

B1.04.9 Residential Real Estate Mortgage Lending Checklist

B1.04.10 Small Business Lending Checklist

B1.04.11 Subprime Lending Checklist

B1.04.12 Predatory Lending Checklist

B2.02.1 Community Reinvestment Act Procedures

B2.02.2 Small Retail Institution CRA Policies and Procedures Checklist (Assets Less Than $305 Million)

B2.02.3 Intermediate Small Retail Institution CRA Policies and Procedures Checklist (Assets More Than $305 Million, Less Than $1.221 Billion)

B2.02.4 Large Retail Institutions CRA Policies and Procedures Checklist (Assets More Than $1.221 Billion)

B2.02.5 Limited Purpose and Wholesale Institution CRA Policies and Procedures Checklist

B2.02.6 Strategic Plan CRA Checklist

B2.02.7 Revised Interagency Questions and Answers Policies and Procedures Checklist

B2.02.8 CRA Forms and Documentation Review Checklist

B2.02.9 Specific File Documentation Review Checklist

B2.02.10 Gramm-Leach-Bliley Act of 1999 Checklist

B2.03.1 Home Mortgage Disclosure Act Procedures

B2.03.2 HMDA Policies and Procedures Review Checklist

B2.03.3 LAR and Supporting Documentation Form Review Checklist

B2.03.4 HMDA File Review Checklist

B3.02A Truth-in-Lending Act Procedures

B3.02A.1 Truth-in-Lending Act Policy Review Checklist

B3.02A.4 Closed-End Credit Checklist

B3.02A.5 Closed-End Credit: Variable Rate Disclosures Checklist — I

B3.02A.6 Closed-End Credit: Variable Rate Disclosures Checklist — II

B3.02A.7 Variable Rate Subsequent Disclosures Checklist

B3.02A.8 Right of Rescission Notice Checklist

B3.02A.9 Home Equity Line of Credit Review Checklist

B3.02A.10 Open-End Credit Checklist

B3.02A.11 Credit Card Disclosures Review Checklist

B3.02A.12 Open-End Credit: Periodic Billing Statement Checklist

B3.02A.13 Construction Loan Disclosures Review Checklist

B3.02A.14 Reverse Mortgage Checklist

B3.02A.15 Adjustable Rate Mortgage Review Checklist

B3.02A.16 High-Cost Mortgage Disclosure Checklist

B3.02A.17 Truth-in-Lending Act Advertising Checklist

B3.02A.20 Closed-End Credit Worksheet

B3.02A.21 Closed-End Credit: Variable Rate Disclosures Worksheet — I

B3.02A.22 Closed-End Credit: Variable Rate Disclosures Worksheet — II

B3.02A.23 Variable Rate Subsequent Disclosures Worksheet

B3.02A.24 Right of Rescission Notice Worksheet

B3.02A.25 Home Equity Line of Credit Worksheet

B3.02A.26 Open-End Credit Checklist

B3.02A.27 Credit Card Disclosures Review Checklist

B3.02A.28 Open-End Credit: Periodic Billing Statement Checklist

B3.02A.29 Construction Loan Worksheet

B3.02A.30 High Cost Mortgage Worksheet

B3.02A.31 Reverse Mortgage Worksheet

B3.02A.32 Adjustable Rate Mortgage Review Worksheet

B3.02B Truth-in-Lending Act Procedures (reflective of Truth-in-Lending/RESPA Integrated Disclosure Requirements)

B3.02B.1 TIL-RESPA Integrated Disclosure Policy Review Checklist

B3.02B.2 TIL-RESPA Integrated Disclosure Form Review Checklist

B3.02B.3 TIL-RESPA Integrated Disclosure File Review Checklist

B4.01.1 Flood Disaster Protection Act Loans in Areas Having Special Flood Hazards Procedures

B4.01.2 Flood Disaster Protection Act Policy and Procedures Review

B4.01.3 Flood Disaster Protection Act Forms/Document Review

B4.01.4 Flood Disaster Protection Act File Review Worksheet

B4.02.1 Real Estate Settlement Procedures Act Procedures

B4.02.2 Real Estate Settlement Procedures Act Policy and Procedures Questionnaire

B4.02.4 Purchase Money Mortgage Forms Worksheet

B4.02.5 Refinanced Mortgages Forms Worksheet

B4.02.6 Home Equity Lines of Credit Forms Worksheet

B4.02.8 Purchase Money Mortgages Worksheet

B4.02.9 Refinanced Mortgages Worksheet

B4.02.10 Home Equity Lines of Credit Worksheet

B4.02.11 Non-Purchase Money First Lien Mortgages Worksheet

B4.02.12 Non-Purchase Money Subordinate Lien Transactions and Reverse Mortgages Worksheet

B4.02.13 Escrow Account Review Worksheet

B4.02.14 Error Resolution Review Worksheet

B4.02.15 Requests for Information Review Worksheet

B4.03.1 Electronic Funds Transfer Act Procedures

B4.03.2 Electronic Funds Transfer Act Policy and Procedures Questionnaire

B4.03.4 Initial Disclosure

B4.03.5 Change in Terms; Error Resolution Notice

B4.03.6 Receipts at Electronic Terminals; Periodic Statements

B4.03.7 Preauthorized Transfers Forms

B4.03.8 EFT Service Providers Notice

B4.03.9 Account-Holding Institution Disclosures

B4.03.10 Remittance Transfer Disclosures Worksheet

B4.03.11 Electronic Funds Transfer Act File Review Worksheet

B4.03.12 ATM Fee Review Checklist

B4.04.1 Right to Financial Privacy Act Procedures

B4.04.2 Right to Financial Privacy Act Policy and Procedures Questionnaire

B4.04.3 Right to Financial Privacy Act Form/Document Review

B4.04.4 Right to Financial Privacy Act File Review

B4.05.1 Fair Credit Reporting Act Procedures

B4.05.2 Fair Credit Reporting Act Fair and Accurate Credit Transaction Act Policy and Procedures Questionnaire

B4.05.3 Fair Credit Reporting Act Fair and Accurate Credit Transactions Act Form/Document Review

B4.05.4 Fair and Accurate Credit Transactions Act of 2003

B4.05.5 Affiliate Information-Sharing Notice

B4.05.6 Fair Credit Reporting Act Fair and Accurate Credit Transactions Act File Review Worksheet

B4.06.1 Fair Debt Collection Practices Act Procedures

B4.06.2 Fair Debt Collection Practices Act Policy and Procedures Questionnaire

B4.06.3 Fair Debt Collections Practices Act Form/Document Review

B4.06.4 Fair Debt Collections Practices Act File Review

B4.07.1 Unfair, Deceptive, or Abusive Acts or Practices Procedures

B4.07.2 Unfair, Deceptive, or Abusive Acts or Practices Policy and Procedures Questionnaire

B4.07.3 Unfair, Deceptive, or Abusive Acts or Practices Form/Document Review

B4.07.4 Unfair, Deceptive, or Abusive Acts or Practices File Review

B4.08.1 Homeowners Protection Act of 1998 Procedures

B4.08.2 Homeowners Protection Act of 1998 Policy and Procedures Questionnaire

B4.08.3 Homeowners Protection Act Form/Document Review

B4.08.4 Homeowners Protection Act File Review Worksheet

B4.09.1 Privacy of Consumer Financial Information Procedures

B4.09.2 Privacy of Consumer Financial Information Policy and Procedures Questionnaire

B4.09.3 Safeguards for Customer Information Security Policy and Procedures Questionnaire

B4.09.4 Instant Messaging Checklist

B4.09.5 Privacy of Consumer Financial Information Form/Document Review

B4.11.1 Children's Online Privacy Protection Act (COPPA) 15 USC 6501-6505

B4.11.2 Children's Online Privacy Protection Act (COPPA) Policy and Procedures Questionnaire

B4.12.1 Telephone Consumer Protection Act (TCPA) and the Junk Fax Prevention Act

B4.12.2 Telephone Consumer Protection Act and the Junk Fax Prevention Act Policy and Procedures Questionnaire

B4.13.1 Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003 (Can-Spam) 12 USC 1751

B4.13.2 Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003 (Can-Spam) Policy and Procedures Questionnaire

B4.14.1 Servicemembers Civil Relief Act (SCRA) Pub. L. 108-189

B4.14.2 Servicemembers Civil Relief Act (SCRA) Policy and Procedures Questionnaire

B4.14.3 Servicemembers Civil Relief Act Form Checklist

B4.14.4 Servicemembers Civil Relief Act (SCRA) File Review Worksheet

B4.15.1 Homeownership Counseling

B4.15.2 Homeownership Counseling Policies and Procedures Checklist

B4.15.3 Homeownership Counseling Forms Review Checklist

B4.15.4 Homeownership Counseling File Review Checklist

B4.16.1 Description of Law/Regulation/Ruling; Reference Regulation GG, Prohibition of Funding of Unlawful Internet Gambling

B4.16.2 Prohibition on Funding of Unlawful Internet Gambling Policy Checklist

B4.17.1 Secure and Fair Enforcement for Mortgage Licensing Act Procedures

B4.17.2 Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) Policy and Procedures Questionnaire

B4.17.3 Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) Forms Review

B4.17.4 Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) File Review Worksheet

B4.18.1 Consumer Leasing Act Procedures

B4.18.2 Consumer Leasing Policies and Procedures Checklist

B4.18.3 Consumer Leasing Forms/Document Review Checklist

B4.18.4 Consumer Leasing File Documentation Review Checklist

B4.18.5 Consumer Leasing Advertising Checklist

B5.02.A Expedited Funds Availability Act Procedures

B5.02.1 Expedited Funds Availability Act (Regulation CC) Policy and Procedures Checklist

B5.02.2 Expedited Funds Availability Act Form/Document Review Checklist

B5.02.3 Reg CC — Subpart D Substitute Checks Form Review Checklist

B5.02.4 Hold Notices Checklist

B5.02.5 Review of the Deposit System Checklist

B5.02.6 Review Handling of Check 21 Checklist

B5.03.A Truth-in-Savings Act Procedures

B5.03.1 Truth-in-Savings Act (Regulation DD) Policy and Procedures Checklist

B5.03.2 Account Disclosure/Schedule Checklist

B5.03.3 Deposit Account Advertising Checklist

B5.03.4 Deposit Account Overdraft Protection Advertising Checklist

B5.03.5 Periodic Statement Checklist

B5.03.7 Time Account Notices Checklist (Maturity 1 Mo. > 1 Yr.)

B5.03.8 Time Account Notices Checklist (Maturity > 1 Yr.)

B5.03.9 Time Account Notices Checklist (Maturity > 1 Yr. Not Automatically Renewed)

B5.03.10 Overdraft Protection Statements Checklist

B5.04.A Reserve Requirement of Depository Institutions Procedures

B5.04.1 Reserve Requirements and Interest on Deposits Policy and Procedures Checklist

B5.04.4 Reserve Requirements Checklist

B5.04.5 Interest on Deposits Checklist

B5.05.A CONSUMER PROTECTIONS FOR DEPOSITORY INSTITUTION SALES OF INSURANCE PROCEDURES

B5.05.1 Consumer Protection for Insurance Sales (OCC-12 CFR 14) Policy and Procedures Checklist

B5.05.2 Disclosure Checklist

B5.05.3 Consumer Protection for Insurance Sales Transaction Checklist

B5.06.A Escheatable Property Procedures

B5.06.1 Escheatable and Unclaimed Property Policy Checklist

B5.06.3 Escheatable and Unclaimed Property File Review Checklist

B6.02.A Department of the Treasury's Financial Recordkeeping and Reporting of Currency and Foreign Transactions Minimum Security Devices and Procedures, Reports of Suspicious Activities, and Bank Secrecy Act Compliance Program Procedures

B6.02.1 BSA/AML Program Policy and Procedures Review

B6.02.2 CIP Worksheet

B6.02.3 CIP Customer Notice and Signage

B6.02.4 Customer Funds Transfer Worksheet

B6.02.5 Noncustomer Funds Transfer Worksheet

B6.02.6 Transmittal Orders Worksheet

B6.02.7 Monetary Instrument Worksheet

B6.02.8 OFAC Compliance Checklist

B6.02.9 Currency Transaction Monitoring Worksheet

B6.02.10 Currency Transaction Reporting (CTR) Review

B6.02.11 Exempt List Review

B6.02.12 Exemption List: Support Documentation Actual Filings

B6.02.13 Suspicious Activity Report (SAR) Documentation Review

B6.02.14 Suspicious Activity Report (SAR) Review Actual Filings

B6.02.15 Record Retention Review

B7.02.1 Loans to Executive Officers, Directors, and Principal Shareholders Procedures

B7.02.2 Loans to Executive Officers, Directors, and Principal Shareholders Policy and Procedures Checklist

B7.02.3 Loans to Executive Officers, Directors, and Principal Shareholders Forms/Document Review Checklist

B7.02.4 Loans to Executive Officers, Directors, and Principal Shareholders File Review Checklist

B7.03.1 Minimum Security Devices and Procedures, and Reports of Suspicious Activities Procedures

B7.03.2 Minimum Security Devices and Procedures/Suspicious Activity Reports Policies and Procedures Checklist

B7.03.3 Minimum Security Devices and Procedures/Suspicious Activity Reports Forms/Document Review Checklist

B7.03.4 Minimum Security Devices and Procedures/Suspicious Activity Reports File Review Checklist

B7.04.1 Extensions of Credit by Federal Reserve Banks Procedures

B7.04.2 Extensions of Credit by Federal Reserve Banks (Regulation A) Policies and Procedures Checklist

B7.04.4 Extensions of Credit by Federal Reserve Banks (Regulation A) File Review Checklist

B7.05.1 Collection of Checks and Other Items and Wire Transfer of Funds by Federal Reserve Banks Procedures

B7.05.2 Collection of Checks and Other Items and Wire Transfer of Funds by Federal Reserve Banks Regulation J (Subpart A) Policies and Procedures Checklist

B7.05.4 Collection of Checks and Other Items and Wire Transfer of Funds by Federal Reserve Banks (Regulation J) Document Review Checklist

B7.05.5 Rules That Govern Funds Transfers Through Fedwire Regulation J (Subpart B) Checklist

B7.06.1 Records to Be Made and Retained by Financial Institutions Procedures

B7.06.2 Records to Be Made and Retained by Financial Institutions Policies and Procedures Checklist

B7.06.3 Records to Be Made and Retained by Financial Institutions Document Review Checklist

B7.07.1 Reimbursement to Financial Institutions for Assembling or Providing Financial Records Procedures

B7.07.2 Reimbursement to Financial Institutions for Assembling or Providing Financial Records Policies and Procedures Checklist

B7.07.4 Reimbursement to Financial Institutions for Assembling or Providing Financial Records Request/Search Review Checklist

B7.08.1 Credit by Banks and Persons Other Than Brokers or Dealers for the Purpose of Purchasing or Carrying Margin Stocks Procedures

B7.08.2 Credit by Banks and Persons Other Than Brokers or Dealers for the Purpose of Purchasing or Carrying Margin Stocks Policies and Procedures Checklist

B7.08.3 Credit by Banks and Persons Other Than Brokers or Dealers for the Purpose of Purchasing or Carrying Margin Stocks Document/Forms Review Checklist

B7.08.4 Credit by Banks and Persons Other Than Brokers or Dealers for the Purpose of Purchasing or Carrying Margin Stocks Records File Review Checklist

B7.09.1 Interbank Liabilities Procedures

B7.09.2 Interbank Liabilities Policies and Procedures Checklist

B7.09.4 Interbank Liabilities Transaction/File Documentation Review Checklist

B7.10.1 Annual Disclosure of Financial Information Procedures

B7.10.2 Annual Disclosure of Financial Information Policies and Procedures Checklist

B7.10.4 Annual Disclosure of Financial Information File Documentation Review Checklist

B7.11.1 Advertisement of FDIC Membership Procedures

B7.11.2 Advertisement of FDIC Membership Policies and Procedures Checklist

B7.11.4 Advertisement of FDIC Membership File Documentation Review Checklist

B7.12.1 Internal Revenue Service Withholding Requirements (TIN) Procedures

B7.12.2 Interest Withholding Requirements Policies and Procedures Checklist

B7.12.4 Interest Withholding Requirements File Documentation Review Checklist

B7.13.1 Americans with Disabilities Act of 1990 Procedures

B7.13.2 Americans with Disabilities Act Policies and Procedures Checklist

B7.13.4 Americans with Disabilities Act File Documentation Review Checklist

B7.14.1 Payment Systems Risk/Daylight Overdrafts Procedures

B7.14.2 Payment Systems Risk/Daylight Overdrafts Policies and Procedures Checklist

B7.14.4 Payment Systems Risk/Daylight Overdrafts File Documentation Review Checklist

B7.15.1 Corporate Business Resumption and Contingency Planning Procedures

B7.15.2 Corporate Business Resumption and Contingency Planning Policies and Procedures Checklist

B7.15.4 Estate Appraisal Standards Procedures

B7.16.2 Real Estate Appraisal Standards Policies and Procedures Checklist

B7.16.4 Real Estate Appraisal Standards File Documentation Review Checklist

B7.17.1 Bank Bribery Act Procedures

B7.17.2 Bank Bribery Act Policies and Procedures Checklist

B7.17.4 Bank Bribery Act File Documentation Review Checklist

B7.18.1 Banking Affiliates Act of 1982 Procedures

B7.18.2 Transactions with Affiliates Policies and Procedures Checklist

B7.18.4 Transactions with Affiliates File Documentation Review Checklist

B7.19.1 Lost and Stolen Securities Program Procedures

B7.19.2 Lost and Stolen Securities Policies and Procedures Checklist

B7.19.3 Lost and Stolen Securities Forms/Document Review Checklist

B7.19.4 Lost and Stolen Securities File Documentation Review Checklist

B7.20.1 Depository Management Interlocks Act/ Management Official Interlocks Procedures

B7.20.2 Management Official Interlocks Policies and Procedures Checklist

B7.20.4 Management Official Interlocks File Documentation Review Checklist

B7.21.1 Interagency Policy Statement on Retail Sales of Nondeposit Investment Products/Joint Interpretations of the Interagency Policy Statement on Retail Sales of Retail SALES OF Nondeposit Investment Products Procedures

B7.21.2 Retail Nondeposit Investment Product (NDIP) Policies and Procedures Checklist

B7.21.3 Retail Nondeposit Investment Product (NDIP) Sales Forms/Document Review Checklist

B7.21.4 Retail Nondeposit Investment Product (NDIP) Sales File Documentation Review Checklist

B7.22.1 International Lending Supervision Act (Regulation K) Procedures

B7.22.2 International Lending Supervision Act (Regulation K) Policies and Procedures Checklist

B7.22.4 International Lending Supervision Act (Regulation K) File Documentation Review Checklist

B7.23.1 Government Securities Act

B7.23.2 Government Securities Act Policies and Procedures Review

B7.23.3 Repurchase Agreement File Review Worksheet

B7.23.4 Safekeeping of Customer-Owned Securities File Review Worksheet

B7.24.1 Protecting Tenants at Foreclosure Act Procedures

B7.24.2 Protecting Tenants at Foreclosure Act Policy and Procedures Checklist

B7.24.3 Protecting Tenants at Foreclosure Act File Review Checklist

B8.03.1 Electronic Signatures in Global and National Commerce Act

B8.03.2 Electronic Signatures Act Suggested Electronic Storage Safeguards Based on SEC Guidance

B8.03.3 Electronic Signatures Act Guidance on Electronic Record Retention Systems Checklist

B8.03.4 Electronic Banking Checklist

B8.03.5 Wireless Networks Risk Management Checklist

B8.03.6 Information Systems Compliance Checklist

B8.03.7 Information Systems (IS) Contingency Planning Checklist

B8.03.8 Operations Work Program Checklist

B8.04.1 Introduction — Subpart B Retail Payment Systems

B8.05.1 Retail Payment Systems Risk Management Questionnaire

B8.06.1 Quality and Effectiveness of the Retail Payment Systems Management Checklist

B8.07.1 Retail Payment System Controls Checklist

C1.02.3 General Policy and Procedures Review

C1.02.4 General Forms Review

C1.02.5 Review of Adverse Action Notice Form

C1.02.6 Review of General Loan Documentation Form

C1.02.7 Loan File Sample Review

C1.03.1 Personal Loans: Unsecured Procedures

C1.03.3 General Policy and Procedures Review

C1.03.4 General Forms Review

C1.03.5 Review of Adverse Action Notice Form

C1.03.6 Review of General Loan Document Form

C1.03.7 Loan File Sample Review

C2.02.1 Consumer Lease Procedures

C2.02.3 General Policy and Procedures Review

C2.02.4 General Forms Review

C2.02.5 Review of Adverse Action Notice Form

C2.02.6 Review of General Lease Document Form

C2.02.7 Lease File Sample Review

C3.02.1 Home Equity Lines of Credit Procedures

C3.02.3 Policy and Procedures Review

C3.02.5 Application Form Review

C3.02.6 Real Estate Settlement Procedures Act Regulation X, 12 CFR 1024 Form Review

C3.02.7 Loans in Areas Having Special Flood Hazards, 12 CFR 339 Form Review

C3.02.8 Review of Adverse Action Notice Form

C3.02.9 Review of General Loan Document Form

C3.02.10 Loan File Sample Review

C3.02.11 Escrow Account Worksheet

C3.03.1 Home Improvement Loan Procedures

C3.03.3 Policy and Procedures Review

C3.03.5 Application Form Review

C3.03.6 Real Estate Settlement Procedures Act Regulation X, 12 CFR 1024 Form Review

C3.03.7 Review of Adverse Action Notice Form

C3.03.8 Review of General Loan Document Form

C3.03.9 Loan File Sample Review

C3.03.10 Reverse Mortgage Worksheet

C3.03.11 Escrow Account Worksheet

C3.03.13 High-Cost Mortgage Worksheet

C3.04.1 Residential Real Estate Mortgages Procedures

C3.04.3 Policy and Procedures Review

C3.04.5 Application Form Review

C3.04.6 Real Estate Settlement Procedures Act Regulation X, 12 CFR 1024 Form Review

C3.04.7 Review of Adverse Action Notice Form

C3.04.8 Review of General Loan Document Form

C3.04.9 Loan File Sample Review

C3.04.10 Reverse Mortgage Worksheet

C3.04.11 Escrow Account Worksheet

C3.04.13 High-Cost Mortgage Worksheet

C4.02.1 Credit Cards Procedures

C4.02.3 General Policy and Procedures Review

C4.02.4 General Forms Review

C4.02.5 Review of Adverse Action Notice Form

C4.02.6 Review of General Loan Document Form

C4.02.7 Review of Periodic Statement Form

C4.02.8 Loan File Sample Review

C5.02.1 Business Lines of Credit Procedures

C5.02.3 General Policy and Procedures Review

C5.02.4 General Forms Review

C5.02.6 Loan File Sample Review

C5.03.1 Business Loans: Unsecured Procedures

C5.03.3 General Policy and Procedures Review

C5.03.4 General Forms Review

C5.03.6 Loan File Sample Review

C5.04.1 Business Loans Secured by Non-Real Estate Collateral Procedures

C5.04.3 General Policy and Procedures Review

C5.04.4 General Forms Review

C5.04.6 Loan File Sample Review

C5.05.1 Business Loans Secured by Real Estate Collateral Procedures

C5.05.3 General Policy and Procedures Review

C5.05.4 General Forms Review

C5.05.6 Loan File Sample Review

C6.02.1 Letters of Credit Secured by Real Estate Collateral Procedures

C6.02.3 General Policy and Procedures Review

C6.02.4 General Forms Review

C6.02.6 Loan File Sample Review

C6.03.1 Letters of Credit Secured by Non-Real Estate Collateral Procedures

C6.03.3 General Policy and Procedures Review

C6.03.4 General Forms Review

C6.03.6 Loan File Sample Review

C6.04.1 Letters of Credit Unsecured Procedures

C6.04.3 General Policy and Procedures Review

C6.04.4 General Forms Review

C6.04.6 Loan File Sample Review

C7.02.1 Residential Real Estate Construction Loans (Temporary Financing Only) Procedures

C7.02.3 Residential Real Estate Construction Loans (Temporary Financing Only)

C7.02.5 Application Form Review — General

C7.02.6 Review of Adverse Action Notice Form

C7.02.7 Review of General Loan Document Form

C7.02.8 Loan File Sample Review

C7.02.9 Escrow Account Worksheet

C7.03.1 Residential Real Estate Construction Loans (Initial and Permanent (End) Financing) Procedures

C7.03.3 Residential Real Estate Construction Loans (Initial and Permanent (End) Financing)

C7.03.5 Application Form Review &8212; General

C7.03.6 Real Estate Settlement Regulation X, 12 CFR 1024 Form Review

C7.03.7 Review of Adverse Action Notice Form

C7.03.8 Review of General Loan Document Form

C7.03.9 Loan File Sample Review

C7.03.10 Escrow Account Worksheet

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Authors / Contributors

Table of Contents

VOLUME I 

Part A — Compliance Monitoring Work Papers

Section A1: Compliance Testing Schedule

Section A2: Product/Service Guidelines

Section A3: Regulatory Risk Sampling Grid

Section A4: Sample Memo of Request

Section A5: Internal Compliance Review Checklist

Part B — Compliance Monitoring Procedures: Review by Law, Regulation, and Ruling

Section B1: Fair Lending Compliance

Section B2: Community Compliance

Section B3: Truth-in-Lending Compliance

Section B4: Other Consumer Compliance

Section B5: Deposits Compliance

Section B6: Anti-Money Laundering Compliance

VOLUME II


Section B7: Commercial Compliance

Section B8: Electronic Banking Services

Part C — Compliance Monitoring Procedures: Review by Lending Product

Section C1: Personal Loans

Section C2: Consumer Leases

Section C3: Home-Related Products

Section C4: Credit Cards

Section C5: Business-Related Products

Section C6: Letters of Credit

Section C7: Residential Construction Loans