Supervision and examinations

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

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 Aug. 2017

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Preface

Section

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About

Table of contents
Updated Aug. 2017

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Part I – Compliance supervision and examination

A. Supervision and examination process

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Overview
Updated Mar. 2017

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Examination process
Updated Mar. 2017

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Part II – Examination procedures

A. Compliance management system

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Compliance management review
Updated Aug. 2017

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B. Product-based procedures

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Automobile finance
Updated June 2015

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Consumer reporting, larger participants
Published Oct. 2012

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Credit card account management
Updated Feb. 2015

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Debt collection
Updated Oct. 2012

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Education loan
Updated June 2017

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Mortgage origination
Updated Sept. 2015

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Mortgage servicing
Updated June 2016

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Remittance transfer
Updated Oct. 2013

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Reverse mortgage servicing
Updated Oct. 2016

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Short-term, small-dollar lending (payday)
Updated Sept. 2013

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C. Statutory- and Regulation-based procedures

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Consumer Leasing Act (CLA)
Published Oct. 2012

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Electronic Fund Transfer Act (EFTA)
Updated Oct. 2013

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Equal Credit Opportunity Act (ECOA)
Updated Oct. 2015

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ECOA baseline review
Updated Oct. 2015

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Fair Credit Reporting Act (FCRA)
Published Oct. 2012

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Fair Debt Collection Practices Act (FDCPA)
Published Oct. 2012

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Home Mortgage Disclosure Act (HMDA)
Published Oct. 2012

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HMDA resubmission schedule and guidelines
Updated Oct. 2013

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Homeowners Protection Act (HPA or PMI Cancellation Act)
Published Oct. 2012

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Military Lending Act (MLA)
Updated Sept. 2016

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

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Real Estate Settlement Procedures Act (RESPA)
Updated Sept. 2015

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

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Truth in Lending Act (TILA)
Updated Sept. 2015

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Truth in Savings Act (TISA)
Published Oct. 2012

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

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Part III – Examination process templates

Templates

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Entity profile
Published Oct. 2012

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Examination report
Updated Aug. 2017

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Examination scope summary
Updated Mar. 2017

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Risk assessment
Published Oct. 2012

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Supervision plan
Published Oct. 2012

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Supervisory letter
Updated Aug. 2017

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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.