HUD Guidance on Special Purpose Credit Programs - PDF.CFPB Advisory Opinion on Special Purpose Credit Programs - PDF.Interagency Statement on Special Purpose Credit Program Under the Equal Credit Opportunity Act and Regulation B reminds creditors of the ability under the Equal Credit Opportunity Act (ECOA) and Regulation B to establish special purpose credit programs to meet the needs of specified classes of persons.Supplemental information related to consumer protection issues. Provides guidance on predatory lending, including a list of policies and procedures that relate to consumer lending standards, treating consumers fairly, adherence to applicable legal requirements, and appropriately underwriting loan products FDIC's Supervisory Policy on Predatory Lending.Qualified and Non-Qualified Mortgage Loans - Interagency Statement on Supervisory Approach - PDF provides guidance regarding the underwriting of residential mortgage loans and the fair lending implications.PDF provides an introduction to the Fair Housing Act and outlines regulatory requirements as well as related examination procedures PDF provides an introduction to the Equal Credit Opportunity Act and outlines regulatory requirements as well as related examination procedures PDF provides the written template examiners use to document an institution’s fair lending review Fair Lending - Fair Lending Scope and Conclusions Memorandum PDF provides resources to be considered and selected from, depending on the nature and scope of the fair lending review being conducted, based on the Interagency Fair Lending Examination Procedures Appendix PDF provides an abbreviated discussion of federal fair lending laws and regulations based on the Interagency Fair Lending Examination Procedures Fair Lending - Fair Lending Laws and Regulations Third-party relationships and discusses the board of directors' responsibility for outsourced activitiesįDIC Consumer Compliance Examination Manual provides information and examination procedures to assist institutions with understanding and complying with fair lending-related requirements Provides a general framework for oversight and risk management of PDF provides useful information, in the form of an FDIC Newsletter, relating to the Truth in Lending Act credit card rules affecting young consumers, as well as the anti-discrimination provisions of the Equal Credit Opportunity Act ECOA - Understanding Age-Based Discrimination in Credit Card Lending.Consumer Compliance Supervisory Highlights includes, on occasion, articles on fair lending matters.Identifying and Mitigating Potential Redlining Risks - PDF provides useful information on how banks can identify and mitigate potential redlining risks.PDF provides information, in the form of an FDIC Newsletter, to institutions on the identification and management of discretion in pricing, underwriting, and other aspects of credit transactions Implementing a Fair Lending Action Plan to Manage Discretion in Credit Decisions.Part 100 - Discriminatory Conduct Under the Fair Housing Actĭescribes the elements of discrimination related to residential real estate transactions and was issued to administer and enforce Title VIII of the Civil Rights Act of 1968, as amended by the Fair Housing Amendments Act of 1988ĭiscusses prohibitions on discriminatory advertising with regard to residential real estate-related transactions and details recordkeeping requirementsįrequently asked questions, advisories, statements of policy, and other information issued by the FDIC alone, or on an interagency basis, provided to address consumer protection issues.Civil Rights Act of 1968 - Title VIII (Fair Housing)ĭiscusses the prohibitions on discriminatory actions in mortgage lending transactions.Prohibits discrimination in offering credit based on certain characteristics Provides access to the Consumer Financial Protection Bureau’s Regulation B - Equal Credit Opportunity Part 1002 - Equal Credit Opportunity Act (Regulation B).Key laws and regulations that pertain to FDIC-supervised institutions note that other laws and regulations also may apply.
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