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监督 and examinations

Conducting examinations is one of our key tools to ensure that supervised entities comply with federal consumer financial laws.

CFPB 监督 and Examination Manual

The 监督 and Examination Manual is our guide for examiners to use in overseeing companies that provide consumer financial products or services. The manual describes how we supervise and examine these companies and gives our examiners direction on how to assess compliance with federal consumer financial laws. Send questions about the manual to supervision@consumerfinance.政府.


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监督 and Examination Manual  - 更新 3月 2022

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前言

Section

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Table of contents
更新 3月 2022

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Part I – 合规 supervision and examination

A. 监督 and examination process

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概述
更新 3月 2017

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Examination process
更新 February 2019

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Part II – Examination procedures

A. 合规 management system

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合规 management review
更新 August 2017

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合规 management review – information technology (CMR-IT)
发表 September 2021

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B. Product-based procedures

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Automobile finance
更新 August 2019

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Consumer reporting, larger participants
更新 February 2020

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Credit card account management
更新 February 2015

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更新 3月 2022

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教育贷款
更新 January 2022

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抵押贷款 origination
更新 December 2021

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抵押贷款 servicing
更新 June 2016

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预付帐户
发表 3月 2019

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Remittance transfer
更新 February 2022

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Reverse mortgage servicing
更新 June 2020

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Short-term, small-dollar lending (payday)
更新 3月 2019

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C. Statutory- and Regulation-based procedures

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Consumer Leasing Act (CLA)
发表 10月 2012

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Electronic Fund Transfer Act (EFTA)
更新 3月 2019

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Equal Credit Opportunity Act (ECOA)
更新 10月 2015

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ECOA baseline review
更新 April 2019

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Fair Credit Reporting Act (FCRA)
发表 10月 2012

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Fair 债 Practices Act (FDCPA)
发表 10月 2012

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Home 抵押贷款 Disclosure Act (HMDA)
更新 April 2019

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Homeowners Protection Act (HPA or PMI Cancellation Act)
发表 10月 2012

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隐私 of Consumer Financial Information -  Gramm-Leach-Bliley Act (GLBA)
更新 10月 2016

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Real Estate Settlement Procedures Act (RESPA)
更新 3月 2018

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Secure and Fair 执行 for 抵押贷款 Licensing (SAFE) Act
发表 10月 2012

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Truth in Lending Act (TILA)
更新 10月 2021

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Truth in Savings Act (TISA)
发表 10月 2012

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Unfair, Deceptive or Abusive Acts or Practices (UDAAPs)
更新 3月 2022

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Part III – Examination process templates

模板

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单位简介
发表 10月 2012

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Examination report
更新 February 2019

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Examination scope summary
更新 August 2018

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风险评估
发表 10月 2012

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监理规划
发表 10月 2012

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Supervisory letter
更新 February 2019

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免责声明

Please note: This 监督 and Examination Manual provides internal guidance to our supervisory staff. It does not bind the CFPB and does not create any rights, 好处, 或防御, substantive or procedural, that are enforceable by any party in any manner. While every effort has been made to ensure accuracy, examination procedures should not be relied on as a legal reference.