State Member Bank, Bank Holding Company and Savings and Loan Holding Company Communications
(November 8, 2017)
Notice of proposed rulemaking to simplify the capital treatment for certain threshold items and higher risk acquisition, development, or construction (ADC) loans.
(October 26, 2017)
Provides a list of revised Home Mortgage Disclosure Act (HMDA) key data fields that examiners will use in connection with validating the accuracy of HMDA data collected.
(September 15, 2017)
Agencies have issued frequently asked questions and answers regarding the new accounting standard for credit losses issued by the Financial Accounting Standards Board.
CA 17-2: Revised Interagency Home Mortgage Disclosure Act Sampling, Verification, and Resubmission Procedures
(September 13, 2017)
Recently developed interagency Home Mortgage Disclosure Act (HMDA) Examiner Transaction Testing Guidelines include sampling, verification, and resubmission procedures for use in connection with HMDA data collected beginning January 1, 2018.
(July 11, 2017)
Agencies respond to concerns raised by bankers regarding timely appraisals and the shortage of appraisers in rural areas.
Reporting Requirements Reminder for Annual Independent Audits and Reports under the FDIC Rules (12 CFR Part 363)
(March 23, 2017)
A reminder of reporting and filing requirements for institutions under 12 CFR Part 363.
(January 12, 2017)
Frequently asked questions and answers regarding the new accounting standard for credit losses issued by the Financial Accounting Standards Board.
SR 11-14: (Agricultural SMBs Only) Supervisory Expectations for Risk Management of Agricultural Credit Risk
(January 10, 2017)
A reminder to banks of the supervisory expectations of agricultural credit risk management.
(December 22, 2016)
Guidance to reinforce the importance of sound energy lending risk management practices irrespective of market conditions.
(December 5, 2016)
The new CC Rating System is designed to better reflect current consumer compliance supervisory approaches and to more fully align with current risk-based, tailored examination processes.
The revised examination procedures reflect amendments to the MLA implementing regulation made by the U.S. Department of Defense in a final rule issued in July 2015.
The revised booklet provides guidance to examiners for assessing the level of security risks to a financial institution’s information systems.
(August 16, 2016)
Guidance on the Community Reinvestment Act regulations for use by agency supervisory staff, examiners, financial institutions, and the public.
CA 16-4: (SMB Only) Repeal of Regulation AA and Publication of Revised Examination Procedures for Section 5 of the Federal Trade Commission (FTC) Act
(August 16, 2016)
Repeal of Regulation AA and Publication of Revised Examination Procedures.
SR 16-13: Imposition of Special Measures by the U.S. Department of the Treasury's Financial Crimes Enforcement Network (FinCEN)
(August 12, 2016)
Advises Federal Reserve-supervised institutions of the special measures imposed as final rule or order by FinCEN under section 311 of the USA PATRIOT Act.
SR 16-12: Interagency Guidance on the New Accounting Standard on Financial Instruments – Credit Losses
(July 11, 2016)
Provides supervised institutions with initial information and supervisory views on the new accounting standard for credit losses recently issued by the Financial Accounting Standards Board.
(June 29, 2016)
The revised examination procedures incorporate amendments made by section 75001 of the Fixing America’s Surface Transportation Act to section 503 of the Gramm-Leach-Bliley Act.
SR 16-11: Supervisory Guidance for Assessing Risk Management at Supervised Institutions with Total Consolidated Assets Less than $50 Billion
(June 29, 2016)
Provides an update to the Federal Reserve’s supervisory guidance for assessing risk management at supervised institutions with less than $50 billion in total consolidated assets.
(June 3, 2016)
Explains the Agencies’ supervisory expectations regarding institutions’ account deposit reconciliation practices.
(June 3, 2016)
The FFIEC requests comment on a proposal to revise the Uniform Interagency Consumer Compliance Rating System.
(May 31, 2016)
Appendix E provides guidance to examiners on reviewing a financial institution’s oversight, administration, and risk management of information technology practices associated with activities and devices for mobile financial services.
CA 16-1: (SMB Only) Revised Interagency Examination Procedures for the Flood Disaster Protection Act
(May 27, 2016)
The attached procedures reflect a July 2015 interagency rulemaking addressing force placement of flood insurance, escrow of flood insurance premiums and fees, and the exemption to the mandatory purchase of flood insurance requirement for certain detached structures.
(May 3, 2016)
Announces to State Member Banks with less than $50 billion in total assets that there is an option to have Federal Reserve examiners review loan files off-site during full-scope or target examinations.
SR 16-7: (SMB Only) Interagency Guidance to Issuing Banks on Applying Customer Identification Program Requirements to Holders of Prepaid Access Cards
(April 12, 2016)
Agencies have issued interagency guidance to clarify when a bank’s Customer Identification Program should be applied to the cardholders of general prepaid cards issued by a bank.
SR 16-6: Updates to the Expanded Examination Cycle for Certain State Member Banks and U.S. Branches and Agencies of Foreign Banking Organizations
(March 25, 2016)
Outlines statutory changes resulting from the Fixing America’s Surface Transportation (FAST) Act.
SR 16-5: Interagency Advisory on the Use of Evaluations in Real Estate-related Financial Transactions
(March 24, 2016)
A reminder to financial institutions of existing regulatory guidance on the use of evaluations instead of appraisals for estimating the market value of real property securing real estate-related financial transactions.
(January 13, 2016)
A reminder to financial institutions of existing regulatory guidance on prudent risk management practices for commercial real estate (CRE) lending activity through economic cycles.
(December 29, 2015)
Explains supervisory concerns related to arrangements structured by bank and savings and loan holding companies to protect the financial investments made by shareholders.
(January 12, 2016)
This revised booklet provides guidance to examiners, financial institutions, and technology service providers on the oversight and administration of IT and IT risk management practices.
(January 14, 2016)
Announces the expansion of the Emergency Communications System (ECS), a service which maintains a database of emergency contacts to include contact information of employees at Federal Reserve-supervised financial institutions
(July 14, 2015)
Announces the development of a Cybersecurity Assessment Tool (assessment tool), the output of which can assist a financial institution’s senior management and board of directors in assessing the institution’s cybersecurity risk and preparedness.
(April 21, 2015)
The attached FAQs are in response to questions from regulated institutions about the agencies’ regulatory capital rule.
SR 15-5 CA 15-2: Guidance to Encourage Financial Institutions' Youth Savings Programs and Address Related Frequently Asked Questions
(March 12, 2015)
The guidance is intended to encourage financial institutions1 to develop and implement programs to expand the financial capability of youth and build opportunities for financial inclusion for more families.
SR 15-4: Tool for Calculating Capital Requirements Using the Simplified Supervisory Formula Approach
(March 13, 2015)
Announces the development of an automated spreadsheet tool for calculating risk-based capital requirements when the SSF A approach is used.
(February 17, 2015)
Guidance that addresses principles that financial institutions should consider in their policies and procedures for originating private student loans with graduated repayment terms.
CFPB Notification: Amendments Relating to Small Creditors and Rural or Underserved Areas Under the Truth in Lending Act (Regulation Z)
(March 17, 2015)
Proposal to amend the regulatory definitions of small creditor and rural and underserved areas defined in its mortgage rules issued in 2013.