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 Kevin Henry at (314) 444-8823 or Doug Kerr at (314) 444 -4205.

2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2010 | 2009

2022 Consumer Affairs (CA) Letters
Date	Description
10/6/22	(CA 22-8 / SR 22-9) – FedEZFile™ and FedEZFile Fluent™ to be Released for Filing Applications with the Federal Reserve
9/8/22	(CA 22-7 / SR 22-7) – Policy Statement on Whistleblower Claims
8/16/22	(CA 22-6 / SR 22-6) – Engagement in Crypto-Asset-Related Activities by Federal Reserve-Supervised Banking Organizations
7/8/22	(CA 22-5) – Standard Information Request (SIR) Process
5/5/22	(CA 22-4) – Revised “A Guide to HMDA Reporting: Getting It Right!”
3/29/22	(CA 22-3/SR 22-4) – Contact Information in Relation to Computer-Security Incident Notification Requirements
2/22/2022	(CA 22-2) – Interagency Statement on Special Purpose Credit Programs Under the Equal Credit Opportunity Act and Regulation B
1/21/2022	(CA 22-1/SR 22-3) – Federal Financial Institutions Examination Council Issues Statement of Principles on Examination Information Requests

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2021 Consumer Affairs (CA) Letters
Date	Description
12/17/2021	(CA 21-17) – Revised Home Mortgage Disclosure Act Examination Procedures
11/10/2021	(CA 21-16) – Interagency Statement on Supervisory and Enforcement Practices Regarding the Mortgage Servicing Rules in Response to the Continuing COVID-19 Pandemic and CARES Act
10/22/2021	(CA 21-15/SR 21-17) – Interagency Statement on Managing the LIBOR Transition
10/25/2021	(CA 21-14) – Revised Interagency Examination Procedures for Regulation Z
9/9/2021	(CA 21-13/SR 21-16) – Community Bank Access to Innovation through Partnerships
9/2/2021	(CA 21-12) – Supervisory Expectations for Supervised Institutions Regarding Juneteenth Federal Holiday and Certain Provisions of Regulation Z
8/27/2021	(CA 21-11/SR 21-15) – Guide for Community Banking Organizations Conducting Due Diligence on Financial Technology Companies
7/29/2021	(CA 21-10/SR 21-13) – Revised Special Post-Employment Restriction for Senior Examiners and Work Paper Reviews for Departing Examiners
5/27/2021	(CA 21-9) – Extension of CRA consideration for community development activities in Puerto Rico and the U.S. Virgin Islands in response to hurricane Maria
5/14/2021	(CA 21-8) – Resumption of Home Mortgage Disclosure Act (HMDA) Quarterly Reporting
3/30/2021	(CA 21-7) – Revised “A Guide to HMDA Reporting: Getting It Right!”
3/29/2021	(CA 21-6) – Suspension of Regulation D Examination Procedures
3/5/2021	(CA 21-5) – Community Reinvestment Act (CRA) Consideration for Activities in Response to the Coronavirus
3/5/2021	(CA 21-4/SR 21-6) – Highlighting the Federal Reserve System's Partnership for Progress Program for Minority Depository Institutions and Women's Depository Institutions
3/4/2021	(CA 21-3) – Revised Interagency Examination Procedures for Regulation Z
2/26/2021	(CA 21-2/SR 21-4) – Inactive or Revised SR Letters Related to the Federal Reserve’s Supervisory Expectations for a Firm’s Boards of Directors
2/26/2021	(CA 21-1/SR 21-3) – Supervisory Guidance on Board of Directors' Effectiveness

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2020 Consumer Affairs (CA) Letters
Date	Description
12/4/2020	(CA 20-14/SR 20-28) – Internal Appeals Process for Material Supervisory Determinations and Policy Statement Regarding the Ombudsman for the Federal Reserve System
8/3/2020	(CA 20-13/SR 20-18) – Joint Statement on Additional Loan Accommodations Related to COVID-19
7/24/2020	(CA 20-12/SR 20-17) – Federal Financial Institutions Examination Council Issues Joint Statement on Managing the LIBOR Transition
7/7/2020	(CA 20-11) – Examination Procedures for the Coronavirus Aid, Relief, and Economic Security Act (CARES Act)
5/27/2020	(CA 20-10) – Community Reinvestment Act (CRA) Consideration for Activities in Response to the Coronavirus
5/21/2020	(CA 20-9) – Investments in Areas with Elevated Poverty and Public Welfare Investments
5/20/2020	(CA 20-8/SR 20-14) – Interagency Lending Principles for Making Responsible Small-Dollar Loans
5/6/2020	(CA 20-7) – Flood Insurance Compliance in Response to the Coronavirus
3/31/2020	(CA 20-6) – Home Mortgage Disclosure Act (HMDA) Quarterly Reporting during the COVID-19 Pandemic
3/30/2020	(CA 20-5/SR 20-7) – Joint Statement Encouraging Responsible Small-Dollar Lending in Response to COVID-19
3/19/2020	(CA 20-4) – CRA Consideration for Activities in Response to the Coronavirus
3/10/2020	(CA 20-2/SR 20-3) – Interagency Statement on Pandemic Planning
2/27/2020	(CA 20-1) – Revised “A Guide to HMDA Reporting: Getting It Right!”

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2019 Consumer Affairs (CA) Letters
Date	Description
12/19/2019	(CA 19-12) – Consumer Compliance Supervision Bulletin
12/12/2019	(CA 19-11) – Interagency Statement on the Use of Alternative Data in Credit Underwriting
8/22/2019	(CA 19-10) – Revised Interagency Examination Procedures for the Flood Disaster Protection Act
4/9/2019	(CA 19-8) – Interagency Examination Procedures for Regulation X
4/9/2019	(CA 19-7) – Revised Interagency Examination Procedures for Regulation Z
4/9/2019	(CA 19-6) – Revised Interagency Examination Procedures for Regulation E
4/1/2019	(CA 19-5) – Revised Home Mortgage Disclosure Act Examination Procedures
4/1/2019	(CA 19-4) –Revised “A Guide to HMDA Reporting: Getting It Right!”
2/26/2019	(CA 19-1) – New Markets Tax Credits and Public Welfare Investments

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2018 Consumer Affairs (CA) Letters
Date	Description
12/7/2018	(CA 18-9) – Designated Home Mortgage Disclosure Act Key Data Fields
9/12/2018	(CA 18-7/SR 18-5) – Interagency Statement Clarifying the Role of Supervisory Guidance
7/5/2018	(CA 18-6) – Statement on the Implementation of the Economic Growth, Regulatory Relief, and Consumer Protection Act Amendments to the Home Mortgage Disclosure Act
6/29/2018	(CA 18-5/SR 18-4) – Policy Statement on Interagency Notification of Formal Enforcement Actions
6/22/2018	(CA 18-4) – Restoration of the Protecting Tenants at Foreclosure Act
4/19/2018	(CA 18-3) – Revised Interagency Examination Procedures for Regulation X and Regulation Z
3/6/2018	(CA 18-2) – Revised “A Guide to HMDA Reporting: Getting It Right!”
1/25/2018	(CA 18-1) – CRA consideration for community development activities in the U.S. Virgin Islands and Puerto Rico following hurricane Maria

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2017 Consumer Affairs (CA) Letters
Date	Description
12/21/2017	(CA 17-4) – Expectations for Supervised Institutions Regarding Amended Regulation C
10/17/2017	(CA 17-3) – Designated Home Mortgage Disclosure Act Key Data Fields
8/23/2017	(CA 17-2) – Revised Interagency Home Mortgage Disclosure Act Sampling, Verification, and Resubmission Procedures

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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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