Compliance Officer's Management Manual

Written by Joy B. Boone, this comprehensive resource provides clear and easy to follow compliance guidance, including coverage of all the regulations in a practical format, detailed coverage of each regulation's purpose, requirements, exemptions, and liabilities for noncompliance; compliance responsibilities by function; compliance checklists; audit procedures; training guidelines; and sample forms and reports. It's an essential resource for compliance officers.

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Product description

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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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Editable Documents

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:

No.             Title
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


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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