Compliance Officer's Management Manual
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Keeping up with ongoing compliance changes and ensuring your programs remain effective can leave you little time for anything else. Plus, you need to be sure that every employee knows what to do to help the bank stay in compliance.
This manual has the information and answers on current compliance issues you’ll be looking for. You get an overview of everything, from the compliance officer’s role to running a compliance training program, and the emphasis is on implementation, so we don’t just give you the rules, we tell you how to comply with them.
In clear, easy-to-follow steps, we show you what to do so that anyone on your staff can understand how to keep your bank in compliance. It’s the easiest, most efficient way to develop and maintain an effective compliance program and train your staff to do things right.
• Coverage of all the consumer regulations in a practical format, including each regulation’s purpose, requirements, exemptions, and liabilities for noncompliance
• Detailed coverage of compliance responsibilities by function
• Compliance checklists at the front of most chapters
• Examples illustrating complex regulations
• Sample job descriptions, audit procedures, training guidelines, and checklists
• Sample forms and reports
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Subscribers will receive a downloadable file containing editable forms.
The publication subscription includes downloadable files delivered through the LexisNexis® Store download center. The downloadable files include the following features:
• 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:
1.2 Sample Loan Compliance Review Worksheet
4.1 Sample Consumer Compliance Statement of Policy
5.1 Sample Compliance Audit Report
8.9 Sample Audit Program for Credit Cards
9.7 RESPA Compliance Checklist
10.2 Sample Audit Program Information Reporting Requirements
11.6 Sample Audit Program for HMDA
12.5 Sample Audit Program – National Flood Insurance Act and the Flood Disaster Protection Act
12A.3 Homeowners Protection Act (HOPA) Compliance Checklist
12B.3 Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) Policy
13.14 Sample Audit Program Regulation B
14.4 Sample Policy and Procedures Regarding Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies
14.17 Risk-Based Pricing Notice Audit Procedures
15.7 Sample Audit Program Fair Housing
16.1 Sample Audit Program Regulation AA
16A.1 Sample UDAAP Risk Assessment
18.1 Sample Audit Program Fair Debt Collection Practices Act
19.5 Sample CRA Audit Program
20.4 Sample Fair Lending Policy
20.6 Fair Lending Self-Test
21.4 Sample Audit Program: Regulation CC
24.6 Sample Policy Statement on Elderly and Disabled Persons
24.17 Sample Customer Identification Program Policy
24.23 Bank Secrecy Act Compliance Review Procedures
25.6 Sample Audit Program: Regulation E
26.2 Sample Audit Program Right to Financial Privacy Act
26A.2 Children's Online Privacy Protection Act OCC Examination Procedures
26A.3 Sample Telemarketing and Facsimile Advertising Policy
27.1 Sample Audit Program for Regulation O
29.1 Environmental Site Inspection Checklist
31.1 Depository Institution Sale of Insurance Compliance Review Checklist
32.4 Servicemembers Civil Relief Act and Talent Amendment Compliance Review Procedures and Checklists
33.1 Sample Audit Program Regulation W Transactions with Affiliates
34.1 Sample Regulation GG Policy
Table of contents
Part I — Managing Your Compliance Program
Chapter 1: The Compliance Officer
Chapter 2: Other Key Members of the Compliance Team
Chapter 3: Role of Regulatory Agencies
Chapter 4: Formulating the Compliance Policy Statement and Implementing the Compliance Policy
Chapter 5: Developing a Compliance Audit Program
Chapter 6: Starting and Maintaining a Compliance Training Program
Chapter 7: Responses to Compliance Issues
Part II — Lending
Chapter 8: Regulation Z — Truth in Lending
Chapter 8A: Regulation U
Chapter 9: Real Estate Settlement Procedures Act
Chapter 9A: Special Lending Products
Chapter 10: Tax Information Reporting for Sales of Property
Chapter 11: Regulation C — Home Mortgage Disclosure Act
Chapter 12: The Flood Disaster Protection Act and the National Flood Insurance Act
Chapter 12A: Homeowners Protection Act of 1998 — Rules for Private Mortgage Insurance Cancellation and Disclosures
Chapter 12B: SAFE Act
Part III — Discrimination
Chapter 13: Regulation B: Equal Credit Opportunity Act
Chapter 14: Fair Credit Reporting Act and FACT Act
Chapter 15: Fair Housing Rules
Part IV — Credit and Collection Practices
Chapter 16: Regulation AA — Unfair or Deceptive Practices Act — Credit Practices Rule
Chapter 16A: Unfair, Deceptive, or Abusive Acts or Practices
Chapter 17: Regulation M — Consumer Leasing Act
Chapter 18: Fair Debt Collection Practices Act
Part V — Community Reinvestment Act and Fair Lending Laws
Chapter 19: Community Reinvestment Act
Chapter 19A: Regulation G — Disclosure and Reporting of CRA-Related Agreements
Chapter 20: Fair Lending Laws
Part VI — Deposit Disclosure and Interest Rate
Chapter 21: Regulation CC — Expedited Funds Availability Act and Check 21 Act
Chapter 22: Regulation D — Reserve Requirements
Chapter 23: Regulation DD — Truth-in-Savings Act
Part VII — Bank Secrecy
Chapter 24: Bank Secrecy Act
Chapter 24A: The USA PATRIOT Act of 2001
Part VIII — Regulation E
Chapter 25: Regulation E — Electronic Fund Transfer Act
Part IX — Other
Chapter 26: Right to Financial Privacy Act; Financial Institution’s Regulatory Act
Chapter 26A: Privacy
Chapter 26B: Electronic Marketing
Chapter 27: Regulation O — Loans to Executive Officers, Directors, and Principal Shareholders of Banks
Chapter 28: Americans with Disabilities Act of 1990
Chapter 29: Environmental Compliance
Chapter 30: Sales of Nondeposit Products
Chapter 31: Consumer Protections for Depository Institution Sale of Insurance
Chapter 32: Servicemembers Civil Relief Act
Chapter 33: Regulation W — Transactions with Affiliates
Chapter 34: Regulation GG — Prohibition on Funding of Unlawful Internet Gambling