Spring 2024 FDIC Consumer Compliance Supervisory Highlights
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Spring 2024 FDIC Consumer Compliance Supervisory Highlights

Filetype[PDF-668.11 KB]


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

    Summary of Overall Consumer Compliance Performance in 2023 (Pg 2)

    Most Frequently Cited Violations (Pg 3)

    Consumer Compliance Examination Observations (Pg 5)

    Part 328: Third-Party’s Misrepresentations of Insured Status and Misuse of FDIC’s Name or Logo (Pg 5)

    Section 5 of the FTC Act: Substantiating Claims in the Advertising of Credit Builder Products (Pg 6)

    Regulation E: Managing EFT Dispute Investigations Handled by Third Parties (Pg 8)

    RESPA Section 8: Payments for Mortgage Brokerage Services (Pg 9)

    Fair Lending: Building Strong Third-Party Oversight and Internal Controls (Pg 11)

    Fair Lending: Evaluating Compliance with Anti-Discrimination Laws and Regulations (Pg 12)

    Regulatory and Other Developments (Pg 14)

    Supervisory Guidance on Charging Overdraft Fees for Authorize Positive, Settle Negative (APSN) Transactions (Pg 14)

    Agencies Request Comment on Automated Valuation Models (AVM) Proposed Rule (Pg 14)

    Updates on FDIC Efforts to Address Appraisal Bias (Pg 15)

    Interagency Guidance on Third-Party Risk Management (Pg 15)

    FDIC Clarifying Supervisory Approach Regarding Supervisory Guidance on Multiple Re-Presentment NSF Fees (Pg 16)

    FDIC Launches Banker Engagement Site (Pg 16)

    Community Reinvestment Act Rulemaking (Pg 16)

    FDIC Office of the Ombudsman Updates Post-Examination Surveys (Pg 16)

    Final Rule Relating to FDIC Official Signs and Advertising Requirements, False Advertising, Misrepresentations of Insured Status, and Misuse of the FDIC’s Name or Logo (Pg 17)

    Deposit Insurance Misrepresentation Advisory Letters (Pg 18)

    Resources for Financial Institutions (Pg 19)

    Banker Resource Center (Pg 19)

    An Overview of Consumer Complaint Trends (Pg 20)

  • Content Notes:
    Most Frequently Cited Statutes and Regulations in 2023 (Pg 4)

    Products Identified in Written Consumer Complaints and Inquiries About FDIC-Supervised Institutions (Pg 21)

    Most Common Issues in Consumer Complaints and Inquiries About FDIC-Supervised Institutions (Pg 21)

    Most Common Product Complaints Reviewed by the CRU in 2023 (Pg 22)

  • Subject:
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  • Agencies Involved:
    Federal Deposit Insurance Corporation (FDIC);Federal Financial Institutions Examination Council (FFIEC);U.S. Department of Housing and Urban Development (HUD);Consumer Financial Protection Bureau (CFPB);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);
  • 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;Home Mortgage Disclosure Act (HMDA);Federal Deposit Insurance Act (FDI Act);Real Estate Settlement Procedures Act of 1974 (RESPA);Equal Credit Opportunity Act (ECOA);Fair Housing Act of 1968 (FHA);Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act);
  • Related Regulation:
    12 CFR Part 1026;12 CFR Part 339;12 CFR Part 1005;12 CFR Part 1030;12 CFR Part 328;12 CFR Part 364;
  • Source:
    FDIC Website
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