2014

SR 14-10: Release of the 2014 Federal Financial Institutions Examination Council's Bank Secrecy Act/Anti-Money Laundering Examination Manual

(January 8, 2015)
Provides current guidance on risk-based policies, procedures, and processes for banking organizations to comply with the BSA and safeguard operations from money laundering and terrorist financing.

SR 14-02/CA 14-01: Enhancing Transparency in the FR's Applications Process

(March 17, 2014)
Provides financial institutions and the general public with a better understanding of the Federal Reserve's approach to applications and notices that may not satisfy statutory requirements for approval of the proposal or otherwise raise supervisory or regulatory concerns.

CA 14-5: Interagency Guidance Regarding Unfair or Deceptive Credit Practices

(September 10, 2014)
States the Agencies’ view that the unfair or deceptive acts or practices described in these former credit practices rules, including those in the Board’s former Regulation AA, could violate the prohibition against unfair or deceptive acts or practices.

CA 14-4 SR 14-5: Interagency Guidance on Home Equity Lines of Credit Nearing Their End-of-Draw Periods

(July 18, 2014)
Reiterates principles of sound risk management for home equity lines of credit (HELOCs) that have reached or will be reaching their end-of-draw periods.

CA 14-3: Interagency Statement on Increased Maximum Flood Insurance Coverage for Other Residential Buildings

(June 12, 2014)
Conveys the Agencies’ expectations of supervised institutions with regard to any loans secured by Other Residential buildings located in a Special Flood Hazard Area.

CA 14-2: Interagency Statement on Revised Large Institution CRA Examination Procedures and Consolidation of Interagency CRA Examination Procedures and Supporting Materials

(May 6, 2014)
Provides guidance on the approved interagency Large Institution Community Reinvestment Act examination procedures.

2013

SR 13-20/CA 13-23: Interagency Statement on Supervisory Approach for Qualified and Non-Qualified Mortgage Loans

(January 2, 2014)
Clarifies safety-and-soundness expectations and Community Reinvestment Act considerations for regulated institutions engaged in residential mortgage lending in light of the Consumer Financial Protection Bureau's Ability-to-Repay and Qualified Mortgage Standards Rule.

SR 13-19/CA 13-21: Guidance on Managing Outsourcing Risk

(January 6, 2014)
Assists financial institutions in understanding and managing the risks associated with outsourcing a bank activity to a service provider to perform that activity.

SR 13-8/CA 13-5 (SLHC Only): Extension of the Use of Indicative Ratings for Savings and Loan Holding Companies

(April 11, 2013)
Highlights continued use of the "RFI/C(D)" rating system to assign indicative ratings to savings and loan holding companies.

SR 13-18: Uniform Agreement on the Classification and Appraisal of Securities Held by Depository Institutions

(November 13, 2013)
Highlights recent changes to the Interagency Uniform Agreement on the Classification and Appraisal of Securities.

SR 13-17: Interagency Supervisory Guidance Addressing Certain Issues Related to Troubled Debt Restructurings

(December 05, 2013)
Guidance addressing certain issues related to the accounting treatment and regulatory classification of commercial and residential real estate loans that have undergone troubled debt restructurings.

CA 13-12 CA 13-13: Revised Interagency Examination Procedures for Regulation Z

(September 10, 2013)
Approval of interagency examination procedures for Regulation Z - Truth in Lending and Regulation X - RESPA.

CA 13-6/CA 13-7: Guidance for Handling Foreclosures (CA 13-6) and Offering Deposit Advance Products (CA 13-7)

(May 3, 2013)
CA Letter 13-6 provided guidance on sound business practices for institutions engaged in residential mortgage servicing, including activities related to credit collection, loss mitigation, and foreclosure processing; CA Letter 13-7 included a policy statement concerning consumer risk related to deposit advance products.

SR 13-16: End of Microsoft Support for Windows XP Operating System

(November 12, 2013)
The Federal Financial Institutions Examination Council agencies issued a joint statement indicating that the end of support for the Windows XP Operating System could pose operational risks to financial institutions and technology service providers and third parties that perform services for financial institutions.

SR 13-15 CA 13-11: Federal Reserve Resources for Minority Depository Institutions

(August 30, 2013)
The joint letter discusses the Federal Reserve System’s outreach efforts for MDIs and provides contact information for MDIs to receive additional information on supervisory issues.

SR 13-11: Filing Procedures for Annual Independent Audits and Reports

(July 24, 2013)
Guidance reminding state member banks with total assets of $500 million or more of their reporting requirements under 12 CFR 363.

SR 13-14: Examination and Inspection Report Timing Standards

(July 26, 2013)
This guidance sets forth the timing standards for the timely completion of safety and soundness examination and inspection reports for community banking organizations (CBOs).  The guidance applies to CBOs supervised by the Federal Reserve that have total consolidated assets of $10 billion or less, including state member banks, bank holding companies, and savings and loan holding companies.

SR 13-1/CA 13-1: Supplemental Policy Statement on the Internal Audit Function and its Outsourcing

(March 19, 2013)
Guidance reflecting the evolution of the internal audit profession and recent banking regulations changes.

CA 13-24 CA 13-25 CA 13-26: Revised RESPA and Regulations X and Z Interagency Examination Procedures

(January 17, 2014)
Provides guidance on approved interagency examination procedures for RESPA, Regulation Z - Truth in Lending, and Regulation X - Real Estate Settlement Procedures Act.

CA 13-22: Social Media: Consumer Compliance Risk Management Guidance

(January 7, 2014)
Addresses the applicability of federal consumer protection and compliance laws, regulations, and policies to activities conducted via social media by financial institutions.

CA 13-19/CA 13-20: Community Bank Risk-focused Consumer Compliance Supervision Program and Consumer Compliance and Community Reinvestment Act Frequency Policy

(December 10, 2013)
Provides guidance on the Federal Reserve's new Community Bank Risk-Focused Consumer Compliance Supervision Program for state member banks with consolidated assets of $10 billion or less and their subsidiaries (community banking organizations). This guidance also sets forth revisions to its examination frequency policy.

CA 13-18: Final Revsions to Interagency Questions and Answers Regarding Community Reinvestment

(December 10, 2013)
Outlines revisions to the "Interagency Questions and Answers Regarding Community Reinvestment" focusing primarily on community development and providing clarification on several of the new and revised questions proposed on March 18, 2013.

CA 13-17: Revised Interagency Examination Procedures for Regulation E

(November 8, 2013)
Provides guidance on approved interagency examination procedures for Regulation E-Electronic Fund Transfers.

SR 13-13/CA 13-10: Supervisory Considerations for the Communication of Supervisory Findings

(June 25, 2013)
Clarifies existing examiner guidance concerning the communication of supervisory findings to banking organizations and institutions supervised by the Federal Reserve.

CA 13-16: Procedures for Garnishment of Accounts Containing Federal Benefit Payments Rule

(November 8, 2013)
Established procedures that a financial institution must follow when receiving a garnishment order against an account holder that receives certain federal benefit payments by direct deposit.

SR 13-12: Commodity Futures Trading Commission (CFTC) Swap Clearing Rules

(July 18, 2013)
Highlights recent changes in regulatory requirements for transactions in certain interest rate swaps and credit default swaps.

CA 13-15: Interagency Statement on Fair Lending Compliance and the Ability-to-Repay and Qualified Mortgage Standards Rule

(November 1, 2013)
Clarifies supervisory expectations regarding fair lending compliance and the Ability-to-Repay and Qualified Mortgage Standards Rule, which implements provisions of the Truth in Lending Act.

SR 13-6/CA13-3: Supervisory Practices Regarding Banking Organizations and their Borrowers and Other Customers Affected by a Major Disaster or Emergency

(April 15, 2013)
Highlights the supervisory practices that the Federal Reserve can employ when banking organizations and their borrowers and other customers are affected by a major disaster or emergency.

CA 13-14: Interagency Guidance on Privacy Laws and Reporting Financial Abuse of Older Adults

(October 11, 2013)
Clarifies the applicability of privacy provisions of the Gramm-Leach-Bliley Act (GLBA) related to reporting suspected financial exploitation of older adults.

CA 13-2: Interagency Statement on the Impact of Biggert-Waters Act

(April 8, 2013)
Guidance regarding revisions to the Flood Disaster Protection Act of 1973.