- CRA Examination Schedule
- CRA Limited Purpose, Strategic Plan, and Wholesale Institutions
- CRA Regional Contacts List
- CRA Sunshine Requirements
- Monthly List of Banks Examined for CRA Compliance
- What is a Performance Evaluation?
- Mortgage Rule Videos
- Guía De Bolsillo Para Directores
- Monthly Reports
- Fees Assessed
- TLGP Debt Guarantee Program: Disclaimer
- Emergency Agencies
- Emergency Contact Information
- Federal Regulatory Agencies
- State Regulatory Agencies
- 2023 Joint Mutual Forum
- Agenda
- Logistics
- Speaker List
Laws and Regulations
Key laws and regulations that pertain to FDIC-supervised institutions; note that other laws and regulations also may apply.
- Part 1002 - Equal Credit Opportunity Act (Regulation B) provides access to the Consumer Financial Protection Bureau's Regulation B - Equal Credit Opportunity
- Equal Credit Opportunity Act (15 USC 1691) (congress.gov) prohibits discrimination in offering credit based on certain characteristics
- Civil Rights Act of 1968 - Title VIII (Fair Housing) discusses the prohibitions on discriminatory actions in mortgage lending transactions
- Part 100 - Discriminatory Conduct Under the Fair Housing Act describes 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 1988
- Part 338 - Fair Housing discusses prohibitions on discriminatory advertising with regard to residential real estate-related transactions and details recordkeeping requirements
Supervisory Resources
Frequently 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.
- Implementing a Fair Lending Action Plan to Manage Discretion in Credit Decisions - 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
- Identifying and Mitigating Potential Redlining Risks - PDF provides useful information on how banks can identify and mitigate potential redlining risks
- Consumer Compliance Supervisory Highlights includes, on occasion, articles on fair lending matters.
- ECOA - Understanding Age-Based Discrimination in Credit Card Lending - 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
- Guidance for Managing Third-Party Risk provides a general framework for oversight and risk management of third-party relationships and discusses the board of directors' responsibility for outsourced activities
- FDIC Consumer Compliance Examination Manual provides information and examination procedures to assist institutions with understanding and complying with fair lending-related requirements
- Section IV. Fair Lending - Fair Lending Laws and Regulations - PDF provides an abbreviated discussion of federal fair lending laws and regulations based on the Interagency Fair Lending Examination Procedures
- Section IV. Fair Lending - Appendix - 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
- Section IV. Fair Lending - Fair Lending Scope and Conclusions Memorandum - PDF provides the written template examiners use to document an institution’s fair lending review
- Section V. Lending - Equal Credit Opportunity Act - PDF provides an introduction to the Equal Credit Opportunity Act and outlines regulatory requirements as well as related examination procedures
- Section V. Lending - Fair Housing Act - PDF provides an introduction to the Fair Housing Act and outlines regulatory requirements as well as related examination procedures
Other Resources
Supplemental information related to consumer protection issues.
- 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
- CFPB Advisory Opinion on Special Purpose Credit Programs - PDF
- HUD Guidance on Special Purpose Credit Programs - PDF
Videos/Webcasts/Teleconferences
Informational videos and recordings of archived webcasts and teleconferences.
- FDIC Technical Assistance Video Program series on Fair Lending provides information to help institutions identify and mitigate fair lending risk
- 2022 Interagency Fair Lending Webinar (consumercomplianceoutlook.org) provides the interagency webinar where the FDIC addressed Referrals
- 2021 Interagency Fair Lending Hot Topics (consumercomplianceoutlook.org) provides the interagency webinar where the FDIC addressed Redlining and Marketing
- 2020 Interagency Fair Lending Hot Topics (consumercomplianceoutlook.org) provides the interagency webinar where the FDIC addressed Assessing Fair Lending Risk: Policies and Procedures
- 2019 Interagency Fair Lending Hot Topics (consumercomplianceoutlook.org) provides the interagency webinar where the FDIC addressed Fair Lending Reviews: Analysis in CRA Protests
- 2018 Interagency Fair Lending Hot Topics (consumercomplianceoutlook.org) provides the interagency webinar where the FDIC addressed Fair Lending Reviews: Assessing Fair Lending Risk
- 2017 Interagency Fair Lending Hot Topics (consumercomplianceoutlook.org) provides the interagency webinar where the FDIC addressed Fair Lending Monitoring Programs
The FDIC’s Technical Assistance Video Program includes educational videos designed to provide bank directors, officers, and employees with useful information about areas of supervisory focus and regulatory changes.
Last Updated: July 24, 2024
