Consumer Affairs (CA) Letters

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Consumer Affairs Letters, commonly known as CA Letters, address significant policy and procedural matters relating to the Federal Reserve System's supervisory responsibilities. For further information, please contact Cathy Kusmer at (314) 444-8822 or 1-800-333-0810, ext. 448822.

2016 | 2015 | 2014 | 2013 | 2012 | 2010 | 2009

2016 Consumer Affairs (CA) Letters

Date

Description

11/22/2016

(CA 16-8) – Uniform Interagency Consumer Compliance Rating System

11/16/2016

(CA 16-7) – Special Post-Employment Restriction for Senior Examiners

09/29/2016

(CA 16-6) – Revised Interagency Military Lending Act Examination Procedures

07/15/2016

(CA 16-5) – Final Interagency Questions and Answers Regarding Community Reinvestment

07/13/2016

(CA 16-4) – Repeal of Regulation AA and Publication of Revised Examination Procedures for Section 5 of the Federal Trade Commission (FTC) Act

06/08/2016

(CA 16-3) – Revised Interagency Examination Procedures for Regulation P

05/18/2016

(CA 16-2) – Interagency Guidance Regarding Deposit Reconciliation Practices

04/07/2016

(CA 16-1) – Revised Interagency Examination Procedures for the Flood Disaster Protection Act

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2015 Consumer Affairs (CA) Letters

Date

Description

10/21/15

(CA 15-10) – Supervisory Expectations for Supervised Institutions Regarding the TILA-RESPA Integrated Disclosure Rule

10/13/15

(CA 15-9 / SR 15-11) – Examinations of Insured Depository Institutions Prior to Membership or Merger into a State Member Bank

10/13/15

(CA 15-8 / SR 15-10) – Expansion of the Federal Reserve’s Emergency Communications System

10/5/15

(CA 15-7) – Revised Interagency Examination Procedures for Regulation P

9/22/15

(CA 15-6) – Revised Interagency Examination Procedures for Regulation Z and Regulation X

9/17/15

(CA 15-5) – Transfer of SAFE Act Supervisory Responsibilities and Publication of SAFE Act Examination Procedures

6/10/15

(CA 15-4) – Expiration of the Protecting Tenants at Foreclosure Act

2/24/15

(CA 15-2 / SR 15-5) – Guidance to Encourage Financial Institutions' Youth Savings Programs and Address Related Frequently Asked Questions

1/29/15

(CA 15-1 / SR 15-2) – Guidance on Private Student Loans with Graduated Repayment Terms at Origination

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2014 Consumer Affairs (CA) Letters

Date

Description

8/22/14

(CA 14-5) – Interagency Guidance Regarding Unfair or Deceptive Credit Practices 

7/1/14

(CA 14-4 / SR 14-5) – Interagency Guidance on Home Equity Lines of Credit Nearing Their End-of-Draw Periods 

5/30/14

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

4/18/14

(CA 14-2) – Revised Interagency Large Institution CRA Examination Procedures and Consolidation of Interagency CRA Examination Procedures and Supporting Materials 

2/24/14

(CA 14-1 / SR 14-2) – Enhancing Transparency in the Federal Reserve’s Applications Process 

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2013 Consumer Affairs (CA) Letters

Date

Description

12/23/13

(CA 13-26) – Regulation X Homeownership Counseling List Requirement 

12/24/13

(CA 13-25) – Revised Interagency Examination Procedures for Regulation Z and Applicability of CA Letter 09-12 

12/23/13

(CA 13-24) – Revised RESPA Interagency Examination Procedures 

12/13/13

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

12/11/13

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

12/5/13

(CA 13-21 / SR 13-19) – Guidance Managing Outsourcing Risk 

11/18/13

(CA 13-20) – Consumer Compliance and Community Reinvestment Act (CRA) Examination Frequency Policy 

11/18/13

(CA 13-19) – Community Bank Risk-Focused Consumer Compliance Supervision Program 

11/15/13

(CA 13-18) – Final Revisions to Interagency Questions and Answers Regarding Community Reinvestment 

10/30/13

(CA 13-17) – Revised Interagency Examination Procedures for Regulation E 

10/30/13

(CA 13-16) – Interagency Examination Procedures for Garnishment of Accounts Containing Federal Benefit Payments Rule 

10/22/13

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

9/24/13

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

8/21/13

(CA 13-13) – Revised RESPA Interagency Examination Procedures 

8/21/13

(CA 13-12) – Revised Interagency Examination Procedures for Regulation Z 

8/7/13

(CA 13-11 / SR 13-15) – Federal Reserve Resources for Minority Depository Institutions 

6/17/13

(CA 13-10 / SR 13-13) – Supervisory Considerations for the Communication of Supervisory Findings 

6/6/13

(CA 13-9) – Revised Examination Procedures for Regulation Z 

5/16/13

(CA 13-8) – Guidance on the Use of 2010 Census Data in Fair Lending Examinations 

4/25/13

(CA 13-7) – Statement on Deposit Advance Products 

4/23/13

(CA 13-6 / SR 13-9) – Minimum Standards for Prioritization and Handling Borrower Files with Imminent Scheduled Foreclosure Sale 

4/11/13

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

4/5/13

(CA 13-4 / SR 13-7) – State Member Bank Branching Considerations 

3/29/13

(CA 13-3 / SR 13-6) – Supervisory Practices Regarding Banking Organizations and their Borrowers and Other Customers Affected by a Major Disaster or Emergency 

3/29/13

(CA 13-2) – Interagency Statement on the Impact of Biggert-Waters Act 

1/24/13

(CA 13-1 / SR 13-1) – Supplemental Policy Statement on the Internal Audit Function and Its Outsourcing 

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2012 Consumer Affairs (CA) Letters

Date

Description

12/17/12

(CA 12-14 / SR 12-17) – Consolidated Supervision Framework for Large Financial Institutions 

11/28/12

(CA 12-13) – Revised Interagency Examination Procedures for Regulation Z 

11/26/12

(CA 12-12 / SR 12-16) – Interagency Statement on Restrictions on Conversions of Troubled Banks

7/11/12

(CA 12-11 / SR 12-12) – Implementation of a New Process for Requesting Guidance from the Federal Reserve Regarding Bank and Nonbank Acquisitions and Other Proposals 

7/11/12

(CA 12-10 / SR 12-11) – Guidance on a Lender's Decision to Discontinue Foreclosure Proceedings

6/28/12

(CA 12-9 / SR 12-10) – Questions and Answers for Federal Reserve-Regulated Institutions Related to the Management of Other Real Estate Owned (OREO) 

6/21/12

(CA 12-8) – Mortgage Servicing Practices Concerning Military Homeowners with Permanent Change of Station Orders 

6/01/12

(CA 12-5) – Revised Interagency Examination Procedures for the Fair Credit Reporting Act 

4/23/12

(CA 12-4) – Guidance on the Usage of 2010 Census Data in Community Reinvestment Act Examinations 

4/05/12

(CA 12-3 / SR 12-5) – Policy Statement on Rental of Residential Other Real Estate Owned (OREO) Properties 

4/04/12

(CA 12-2) – Consumer Financial Protection Bureau (CFPB) Clarifies the Rules on Compensation to Loan Originators Based on Mortgage Transaction Terms or Conditions under Regulation Z 

2/03/12

(CA 12-1) – Second Extension of CRA Consideration Period for Community Development Activities in Hurricanes Rita and Katrina Disaster Areas for an Additional 36 Months 

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2010 Consumer Affairs (CA) Letters

Date

Description

4/22/10

Submission of Consumer Credit Card Agreements (CA 10-4) (31 KB)

4/22/10

Lapse of FEMA's Authority to Issue Flood Insurance Contracts (CA 10-3) (60 KB)

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2009 Consumer Affairs (CA) Letters

Date

Description

3/03/09

Revised Standard Flood Hazard Determination Form. (CA 09-1) (8 KB)

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