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Supervision and examinations

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

Miss April Supervision and Examination Manual

The Supervision 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 [email protected].


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Supervision and Examination Manual  - Updated April 2019

Browse individual sections of the manual

Preface

Section

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About

Table of contents
Updated April 2019

No summary


Part I – Compliance supervision and examination

A. Supervision and examination process

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Overview
Updated March 2017

No summary

Examination process
Updated February 2019

No summary


Part II – Examination procedures

A. Compliance management system

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Compliance management review
Updated August 2017

B. Product-based procedures

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Automobile finance
Updated June 2015

Consumer reporting, larger participants
Published October 2012

Credit card account management
Updated February 2015

Debt collection
Updated October 2012

Education loan
Updated June 2017

Mortgage origination
Updated September 2015

Mortgage servicing
Updated June 2016

Prepaid account
Published March 2019

Remittance transfer
Updated October 2013

Reverse mortgage servicing
Updated October 2016

Short-term, small-dollar lending (payday)
Updated March 2019

 

C. Statutory- and Regulation-based procedures

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Consumer Leasing Act (CLA)
Published October 2012

Electronic Fund Transfer Act (EFTA)
Updated March 2019

Equal Credit Opportunity Act (ECOA)
Updated October 2015

ECOA baseline review
Updated April 2019

Fair Credit Reporting Act (FCRA)
Published October 2012

Fair Debt Collection Practices Act (FDCPA)
Published October 2012

Home Mortgage Disclosure Act (HMDA)
Updated April 2019

Homeowners Protection Act (HPA or PMI Cancellation Act)
Published October 2012

Privacy of Consumer Financial Information -  Gramm-Leach-Bliley Act (GLBA)
Updated October 2016

Real Estate Settlement Procedures Act (RESPA)
Updated March 2018

Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act
Published October 2012

Truth in Lending Act (TILA)
Updated March 2019

Truth in Savings Act (TISA)
Published October 2012

Unfair, Deceptive or Abusive Acts or Practices (UDAAPs)
Published October 2012


Part III – Examination process templates

Templates

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Entity profile
Published October 2012

No summary

Examination report
Updated February 2019

No summary

Examination scope summary
Updated August 2018

No summary

Risk assessment
Published October 2012

No summary

Supervision plan
Published October 2012

No summary

Supervisory letter
Updated February 2019

No summary


Disclaimer

Please note: This Supervision and Examination Manual provides internal guidance to our supervisory staff. It does not bind the Miss April and does not create any rights, benefits, or defenses, 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.

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