Spring 2023 FDIC Consumer Compliance Supervisory Highlights
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Spring 2023 FDIC Consumer Compliance Supervisory Highlights

Filetype[PDF-550.55 KB]


  • Corporate Authors:
  • Description:
    Introduction (Pg 1)

    Summary of Overall Consumer Compliance Performance in 2022 (Pg 2)

    Most Frequently Cited Violations (Pg 3)

    Consumer Compliance Examination Observations (Pg 5)

    Real Estate Settlement Procedures Act Section 8: Referral Arrangements (Pg 5)

    Fair Credit Reporting Act: Trigger Leads (Pg 6)

    Servicemembers Civil Relief Act: Automatically Applying Excess Interest Payments to Principal Loan Balance (Pg 7)

    Fair Lending (Pg 8)

    Regulatory and Other Developments (Pg 10)

    PAVE Task Force (Pg 10)

    Community Reinvestment Act Rulemaking (Pg 10)

    Special Purpose Credit Programs under ECOA (Pg 11)

    Home Mortgage Disclosure Act – Threshold Changes (Pg 11)

    Flood Insurance: Revised Interagency Questions and Answers (Pg 12)

    Final Rule Relating to False Advertising, Misrepresentations About Insured Status, and Misuse of the FDIC’s Name or Logo (Pg 12)

    Notice of Proposed Rulemaking Relating to FDIC Official Sign and Advertising Requirements, False Advertising, Misrepresentations of Insured Status, and Misuse of the FDIC’s Name or Logo (Pg 12)

    Notification of Engaging in Crypto-Related Activities (Pg 13)

    Amendments to Guidelines for Appeals of Material Supervisory Determinations (Pg 14)

    Supervisory Guidance on Multiple Re-Presentment NSF Fees (Pg 14)

    Resources for Financial Institutions (Pg 15)

    Banker Resource Center (Pg 15)

    An Overview of Consumer Complaint Trends (Pg 16)

  • Content Notes:
    Most Frequently Cited Statutes and Regulations in 2022 (Pg 4)

    Products Identified in Written Consumer Complaints and Inquiries About FDIC-Supervised Institutions (Pg 17)

    Most Common Product Complaints Reviewed by the CRU in 2022 (Pg 17)

    Most Common Issues in Consumer Complaints and Inquiries About FDIC-Supervised Institutions (Pg 18)

  • Subject:
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  • Agencies Involved:
    Federal Deposit Insurance Corporation (FDIC);Federal Financial Institutions Examination Council (FFIEC);U.S. Department of Justice (DOJ);Board of Governors of the Federal Reserve System (The Fed);Office of the Comptroller of the Currency (OCC);National Credit Union Administration (NCUA);Consumer Financial Protection Bureau (CFPB);U.S. Department of Housing and Urban Development (HUD);Federal Housing Finance Agency (FHFA);Farm Credit Administration (FCA);
  • Law Involved:
    Community Reinvestment Act (CRA);Truth in Lending Act (TILA);Truth in Savings Act;Federal Trade Commission Act;Flood Disaster Protection Act of 1973;Financial Institutions Regulatory and Interest Rate Control Act of 1978;Real Estate Settlement Procedures Act of 1974 (RESPA);Fair Credit Reporting Act (FCRA);Servicemembers Civil Relief Act (SCRA);Equal Credit Opportunity Act (ECOA);Fair Housing Act of 1968 (FHA);Home Mortgage Disclosure Act (HMDA);Biggert-Waters Flood Insurance Reform Act of 2012;Homeowner Flood Insurance Affordability Act of 2014 (HFIAA);
  • Related Regulation:
    12 CFR Part 1026;12 CFR Part 339;12 CFR Part 1005;12 CFR Part 1030;
  • Source:
    FDIC Website
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