Occ retail lending exam procedures

    • [PDF File]CFPB Laws and Regulations MLA

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      Military Lending Act (MLA) Interagency Examination Procedures—2015 Amendments Background The Military Lending Act. 1 (MLA), enacted in 2006 and implemented by the Department of Defense (DoD), protects active duty members of the military, their spouses, and their dependents from certain lending practices.

    • [PDF File]Intermediate Small Bank CRA Examination Procedures

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      Intermediate Small Bank Examination Procedures 2005 a. Lending and community development opportunities available in the bank’s assessment area(s) that are compatible with the bank’s business strategy and consistent with safe and sound banking practices; b. Constraints affecting the opportunities to make safe and sound retail loans,

    • [PDF File]Margin Securities (Regulation U) Program

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      regularly monitors data collection, reporting requirements, and lending restrictions. 5. Review Level II procedures and perform those necessary to test, support, and present conclusions derived from performance of Level I procedures. Replaced by Comptroller's Handbook - Retail Nondeposit Investment Products

    • [PDF File]X-3.1 Other — Electronic Signatures in Global and National ...

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      Examination Procedures . 1. Determine if and to what extent the financial institution electronically delivers compliance-related notices or disclosures subject to the consumer consent provisions of 2. Determine if the financial institution has established procedures to ensure compliance with the provisions of this Act. 3.

    • [PDF File]Community Reinvestment Act Examination Procedures

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      emphasizes lending performance; an assessment method for large, retail banks that focuses on lending, investment, and service performance; and an assessment method for wholesale and limited-purpose institutions based on community development activities. Further, the regulations also give any

    • [PDF File]CFPB Examination Procedures Auto Finance

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      These Automobile Finance Examination Procedures (Procedures) consist of modules covering the various elements of the automobile life cycle, including the origination and servicing processes. Each module identifies specific matters for review. Examiners will use the Procedures in examinations of automobile lenders, lessors, and servicers.

    • [PDF File]Intermediate Small Institution Examination Procedures FIN…

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      Intermediate Small Institution CRA Examination Procedures OCC, FRB, FDIC and OTS- July 2007 amount of loans sold to the secondary market compensate for a low loan-to-deposit ratio or supplement the institution’s lending performance. 4. Summarize in work papers conclusions regarding the institution’s loan-to-deposit ratio.

    • [PDF File]How to Consider Community Development Financing Outside of ...

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      The current CRA exam procedure allows banks to serve statewide or regional areas after ... In contrast, the Ofice of the Comptroller of the Currency (OCC) and Federal Deposit Insurance ... scrutinize retail lending and CD inancing in AAs to ensure that they are effectively working in tandem. Moreover, it is unlikely that banks will target CD ...

    • [PDF File]Large Institution CRA Examination Procedures OCC, FRB, and ...

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      Large Institution CRA Examination Procedures OCC, FRB, and FDIC April 2014 5 criteria. Use this assessment area(s) to evaluate the institution's performance, but do not otherwise consider the revision in determining the institution's rating. Lending, Investment, and Service Tests for Large Retail Institutions Lending Test 1.

    • [PDF File]Certified Enterprise Risk Professional (CERP) Exam Outline ...

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      The Office of the Comptroller of the Currency. 12 CFR Parts 30 and 170: OCC Guidelines Establishing Heightened Standards. The Office of the Comptroller of the Currency. OCC Comptroller's Handbook - Corporate and Risk Governance. COSO. Enterprise Risk Management - Integrated Framework – 2004 OCC. Retail Lending - Comptroller's Handbook.

    • [PDF File]COMMUNITY REINVESTMENT ACT

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      Small Institution CRA Examination Procedures OCC, FRB, FDIC and OTS- July 2007 4 and the lending opportunities available in the institution's assessment area(s). 3. If the loan to deposit ratio does not appear reasonable in light of the performance context, consider the number and the dollar volume of loans sold to the secondary market, or the

    • [PDF File]Loan Portfolio Management - Office of the Comptroller of ...

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      Construction Lending,” “Lease Financing,” and “Credit Card Lending”). Risks Associated with Lending . According to the OCC’s supervision by risk philosophy, risk is the potential that events, expected or unexpected, may have an adverse impact on the

    • [PDF File]One- to Four-Family Residential Real Estate Lending Program

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      244 ). Verify that the lending policies and procedures are appropriate for the nature and risk of the real estate lending ac tivities conducted. 3. Determine the types of 1 -4 family residential loan programs and note whether and to what extent the association makes nontraditional, hybrid, or subprime mortgages.

    • [PDF File]OCC’s Final CRA Rule – What it Means for Your Bank

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      Distribution Test for “major retail lending product lines” for Assessment Areas ... Current exam procedures until January 2023 or 2024 2. Examiners will be thinking about OCC’s Final Rule 3. Consider a “Shadow Exam” as an OCC Large Bank 4. Avoid “gentrifying” loans and investments

    • [PDF File]Income Property Lending - Office of the Comptroller of the ...

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      space is often dependent on white-collar employment, while retail, hospitality, and industrial real estate are affected by consumer spending, among other things. Income property lending presents significantly different issues and risks compared with one- to four-family (1-4 family) residential real estate lending. For example:

    • [PDF File]2018 HMDA Compliance Fair Lending and CRA Implications

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      OCC CRA Policies and Procedures Manual • OCC Shift in ratings approach with respect to compliance violations • OCC examiners will not only issue a downgrade if evidence of illegal practices directly relates to the institutions RA lending activities. • No downgrades exceeding one rating level

    • [PDF File]XI. Community Reinvestment Act —Intermediate Small Bank

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      examination procedures. 1. To identify assessment areas for full scope review, review prior CRA performance evaluations, available community contact materials, and reported lending data and demographic data on each assessment area. Consider factors such as: a. The retail lending and community development

    • [PDF File]A Banker’s Quick Reference Guide to CRA

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      Procedures Act; and the Truth in Lending Act provisions regarding a consumer’s right of rescission. Geography — A census tract delineated by the U.S. Bureau of the Census in the most recent decennial census. Income Level – Geography Low-Income — Median family income less than 50 percent of the area median income

    • [PDF File]Asset-Backed Securitization Program

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      Exam Date: Prepared By: Reviewed By: Docket #: 221 P.2 Examination Handbook April 2011 Office of Thrift Supervision pools (e.g., retail consumer lending, mortgage banking, credit card lending). To avoid duplicating ex-amination procedures already being performed in these areas, you should discuss and share examination

    • [PDF File]Large Institution CRA Examination Procedures

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      Large Institution CRA Examination Procedures OCC, FRB, and FDIC April 2014 5 criteria. Use this assessment area(s) to evaluate the institution's performance, but do not otherwise consider the revision in determining the institution's rating. Lending, Investment, and Service Tests for Large Retail Institutions . Lending Test . 1.

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