Ultimate Compliance Resource

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LENDING
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Important Dates

Lending Thresholds

Lending Thresholds

Laws & Regulations

Banking Agency Regulations

Federal Banking Regulations (All Agencies)
Consumer Financial Protection Bureau Regulations (Please be careful not to delete this. It is a special link to other sections. If need to change ask a Developer)
Federal Reserve Board Regulations (Please be careful not to delete this. It is a special link to other sections. If need to change ask a Developer)
FDIC Insurance Membership and Insurance Regulations (Please be careful not to delete this. It is a special link to other sections. If need to change ask a Developer)

Other Agency Regulations

BSA/AML Regulations (Please be careful not to delete this. It is a special link to other sections. If need to change ask a Developer)
Military Lending Act Regulations
Garnishment of Accounts Containing Federal Benefit Payments

Laws

Resources

Appraisal Resources

HMDA/CRA Resources

Regulatory Agencies

Penalties

CFPB (Please be careful not to delete this. It is a special link to other sections. If need to change ask a Developer)
FDIC (Please be careful not to delete this. It is a special link to other sections. If need to change ask a Developer)
OCC (National Banks) (Please be careful not to delete this. It is a special link to other sections. If need to change ask a Developer)
OCC (Federal Savings Associations) (Please be careful not to delete this. It is a special link to other sections. If need to change ask a Developer)
NCUA (Please be careful not to delete this. It is a special link to other sections. If need to change ask a Developer)
FRB (Please be careful not to delete this. It is a special link to other sections. If need to change ask a Developer)

Enforcement Actions

FDIC Enforcement Actions
OCC Enforcement Actions
FRB Enforcement Actions
CFPB Enforcement Action
NCUA Enforcement Actions
Lending Compliance Enforcement Actions Chart (Please be careful not
to delete this. It is a special link to other sections. If need to change ask a Developer)
Deposit Compliance Enforcement Actions Chart
(Please be careful not
to delete this. It is a special link to other sections. If need to change ask a Developer)
BSA Compliance Enforcement Actions Chart (Please
be careful not to delete this. It is a special link to other sections. If need to change ask a Developer)

Consumer Financial Protection Bureau Regulations

Reg B Equal Credit Opportunity (Please be careful not to delete this. It is a special link to other sections. If need to change ask a Developer)
Reg C Home Mortgage Disclosure (Please be careful not to delete this. It is a special link to other sections. If need to change ask a Developer)
Reg D Alternative Mortgage Transaction Parity
Reg E Electronic Fund Transfers
Reg F Fair Debt Collection Practices Act
Reg G SAFE Act
Reg H SAFE Act
Reg I Disclosure Requirements for Depository Institutions Lacking Federal Deposit Insurance
Reg J Land Registration
Reg K Purchasers’ Revocation Rights, Sales Practices and Standards
Reg L Special Rules of Practice
Reg M Consumer Leasing
Reg N Mortgage Acts and Practices – Advertising
Reg O Mortgage Assistance Relief Services
Reg P Privacy of Consumer Financial Information
Reg V Fair Credit Reporting
Reg X Real Estate Settlement Procedures Act
Reg Z Truth In Lending
Reg DD Truth In Savings

Federal Reserve Board Regulations

FDIC Insurance Membership and Insurance Regulations

BSA/AML Regulations

CFPB

CFPB Civil Monetary Penalty Amounts (Adjusted 1/2019) Inflation adjusted as required by the Federal Civil Penalties Inflation Adjustment Act of 1990
Law	Penalty Description	2018 Amount	2019 Amount
Consumer Financial Protection Act, 12 U.S.C. 5565(c)(2)(A)	Tier 1 penalty	$5,639	$5,781
Consumer Financial Protection Act, 12 U.S.C. 5565(c)(2)(B)	Tier 2 penalty	$28,195	$28,906
Consumer Financial Protection Act, 12 U.S.C. 5565(c)(2)(C)	Tier 3 penalty	$1,127,799	$1,156,242
Interstate Land Sales Full Disclosure Act, 15 U.S.C. 1717a(a)(2)	Per violation	$1,964	$2,014
Interstate Land Sales Full Disclosure Act, 15 U.S.C. 1717a(a)(2)	Annual cap	$1,963,870	$2,013,399
Real Estate Settlement Procedures Act, 12 U.S.C. 2609(d)(1)	Per failure	$92	$94
Real Estate Settlement Procedures Act, 12 U.S.C. 2609(d)(1)	Annual cap	$184,767	$189,427
Real Estate Settlement Procedures Act, 12 U.S.C. 2609(d)(2)(A)	Per failure, where intentional	$185	$190
SAFE Act, 12 U.S.C. 5113(d)(2)	Per violation	$28,474	$29,192
Truth in Lending Act, 15 U.S.C. 1639e(k)(1)	First violation	$11,279	$11,563
Truth in Lending Act, 15 U.S.C. 1639e(k)(2)	Subsequent violations	$22,556	$23,125

FDIC

FDIC Civil Monetary Penalty Amounts (Adjusted 1/2019) Inflation adjusted as required by the Federal Civil Penalties Inflation Adjustment Act of 1990
U.S. Code Citation	Penalty Description	Maximum Through 1/14/18	Maximum Beginning 1/15/19
12 U.S.C. 1464(v):	Tier One	3,928	4,027
	Tier Two	39,278	40,269
	Tier Three	1,963,870	2,013,399
12 U.S.C. 1467(d)		9,819	10,067
12 U.S.C. 1817(a):	Tier One	$3,928	$4,027
	Tier Two	39,278	40,269
	Tier Three	1,963,870	2,013,399
12 U.S.C. 1817(c):	Tier One	3,591	3,682
	Tier Two	35,904	36,809
	Tier Three	1,795,216	1,840,491
12 U.S.C. 1818(i)(2):	Tier One	9,819	10,067
	Tier Two	49,096	50,334
	Tier Three	1,963,870	2,013,399
12 U.S.C. 1820(e)(4)		8,977	9,203
12 U.S.C. 1820(k)(6)		323,027	331,174
12 U.S.C. 1828(a)(3)		122	125
12 U.S.C. 1828(h):	For assessments <$10,000	122	125
12 U.S.C. 1829b(j)		20,521	21,039
12 U.S.C. 1832(c)		2,852	2,924
12 U.S.C. 1884		285	292
12 U.S.C. 1972(2)(F):	Tier One	9,819	10,067
	Tier Two	49,096	50,334
	Tier Three	1,963,870	2,013,399
12 U.S.C. 3909(d)		2,443	2,505
15 U.S.C. 78u-2:	Tier One (individuals)	9,239	9,472
	Tier One (others)	92,383	94,713
	Tier Two (individuals)	92,383	94,713
	Tier Two (others)	461,916	473,566
	Tier Three (individuals)	184,767	189,427
	Tier Three (others)	923,831	947,130
15 U.S.C. 1639e(k):	First violation	11,279	11,563
	Subsequent violations	22,556	23,125
31 U.S.C. 3802		11,181	11,463
42 U.S.C. 4012a(f)		2,133	2,187
12 CFR 308.132(c)—Late or Misleading Reports of Condition and Income (Call Reports):	First Offense: $25 million or more assets: 1 to 15 days late 16 or more days late	538 1,078	552 1,105
	Less than $25 million assets 1 to 15 days late 16 or more days late	180 359	185 368
	Subsequent Offense: $25 million or more assets: 1 to 15 days late 16 or more days late	897 1,795	920 1,840

OCC (National Banks)

OCC Civil Monetary Penalty Amounts For National Banks (Adjusted 1/2019) Inflation adjusted as required by the Federal Civil Penalties Inflation Adjustment Act of 1990
U.S. Code Citation	Description and Tier	Maximum Penalty Amount*
12 U.S.C. 93(b)	Violation of Various Provisions of the National Bank Act:
	Tier 1	10,067
	Tier 2	50,334
	Tier 3	2,013,399**
12 U.S.C. 164	Violation of Reporting Requirements:
	Tier 1	4,027
	Tier 2	40,269
	Tier 3	2,013,399**
12 U.S.C. 481	Refusal of Affiliate to Cooperate in Examination	10,067
12 U.S.C. 504	Violation of Various Provisions of the Federal Reserve Act:
	Tier 1	10,067
	Tier 2	50,334
	Tier 3	2,013,399**
12 U.S.C. 1817(j)(16)	Violation of Change in Bank Control Act:
	Tier 1	10,067
	Tier 2	50,334
	Tier 3	2,013,399**
12 U.S.C. 1818(i)(2)***	Violation of Law, Unsafe or Unsound Practice, or Breach of Fiduciary Duty:
	Tier 1	10,067
	Tier 2	50,334
	Tier 3	2,013,399**
12 U.S.C. 1820(k)(6)(A)(ii)	Violation of Post-Employment Restrictions:
12 U.S.C. 1820(k)(6)(A)(ii)	Per violation	331,174
12 U.S.C. 1832(c)	Violation of Withdrawals by Negotiable or Transferable Instrument for Transfers to Third Parties:
12 U.S.C. 1832(c)	Per violation	2,924
12 U.S.C. 1884	Violation of the Bank Protection Act	292
12 U.S.C. 1972(2)(F)	Violation of Anti-Tying Provisions regarding Correspondent Accounts, Unsafe or Unsound Practices, or Breach of Fiduciary Duty:
	Tier 1	10,067
	Tier 2	50,344
	Tier 3	2,013,399**
12 U.S.C. 3110(a)	Violation of Various Provisions of the International Banking Act (Federal Branches and Agencies)	46,013
12 U.S.C. 3110(c)	Violation of Reporting Requirements of the International Banking Act (Federal Branches and Agencies):
	Tier 1	3,682
	Tier 2	36,809
	Tier 3	1,840,491**
12 U.S.C. 3909(d)(1)	Violation of International Lending Supervision Act	2,505
15 U.S.C. 78u-2(b)	Violation of Various Provisions of the Securities Act, the Securities Exchange Act, the Investment Company Act, or the Investment Advisers Act:
	Tier 1 (natural person) – Per violation	9,472
	Tier 1 (other person) – Per violation	94,713
	Tier 2 (natural person) – Per violation	94,713
	Tier 2 (other person) – Per violation	473,566
	Tier 3 (natural person) – Per violation	189,427
	Tier 3 (other person) – Per violation	947,130
15 U.S.C. 1639e(k)	Violation of Appraisal Independence Requirements:
	First violation	11,563
	Subsequent violations	23,125
42 U.S.C. 4012a(f)(5)	Flood Insurance:
42 U.S.C. 4012a(f)(5)	Per violation	2,187
* The maximum penalty amount is per day, unless otherwise indicated. ^The maximum penalty amount for a national bank is the lesser of this amount or 1 percent of total assets. * These amounts also apply to CMPs in statutes that cross-reference 12 U.S.C. 1818, such as 12 U.S.C. 2804, 3108, 3349, 4309, and 4717 and 15 U.S.C. 1607, 1693o, 1681s, 1691c, and 1692 l.

OCC (Federal Savings Associations)

OCC Civil Monetary Penalty Amounts For Federal Savings Associations Inflation adjusted as required by the Federal Civil Penalties Inflation Adjustment Act of 1990 (Adjusted 1/2019)
U.S. Code Citation	Description and Tier	Maximum Penalty Amount*
12 U.S.C. 1464(v)	Reports of condition:
	Tier 1	4,027
	Tier 2	40,269
	Tier 3	2,013,399**
12 U.S.C. 1467(d)	Refusal of Affiliate to Cooperate in Examination	10,067
12 U.S.C. 1467a(r)	Late/Inaccurate Reports:
	Tier 1	4,027
	Tier 2	40,269
	Tier 3	2,013,399**
12 U.S.C. 1817(j)(16)	Violation of Change in Bank Control Act:
	Tier 1	10,067
	Tier 2	50,334
	Tier 3	2,013,399**
12 U.S.C. 1818(i)(2)***	Violation of Law, Unsafe or Unsound Practice, or Breach of Fiduciary Duty:
	Tier 1	10,067
	Tier 2	50,334
	Tier 3	2,013,399**
12 U.S.C. 1820(k)(6)(A)(ii)	Violation of Post-Employment Restrictions:
12 U.S.C. 1820(k)(6)(A)(ii)	Per violation	331,174
12 U.S.C. 1832(c)	Violation of Withdrawals by Negotiable or Transferable Instrument for Transfers to Third Parties:
12 U.S.C. 1832(c)	Per violation	2,658
12 U.S.C. 1884	Violation of the Bank Protection Act	292
12 U.S.C. 1972(2)(F)	Violation of Anti-Tying Provisions regarding Correspondent Accounts, Unsafe or Unsound Practices, or Breach of Fiduciary Duty:
	Tier 1	10,067
	Tier 2	50,334
	Tier 3	2,013,399**
15 U.S.C. 78u-2(b)	Violation of Various Provisions of the Securities Act, the Securities Exchange Act, the Investment Company Act, or the Investment Advisers Act:
	Tier 1 (natural person) – Per violation	9,472
	Tier 1 (other person) – Per violation	94,713
	Tier 2 (natural person) – Per violation	94,713
	Tier 2 (other person) – Per violation	473,566
	Tier 3 (natural person) – Per violation	189,427
	Tier 3 (other person) – Per violation	947,130
15 U.S.C. 1639e(k)	Violation of Appraisal Independence Requirements:
	First violation	11,563
	Subsequent violations	23,125
42 U.S.C. 4012a(f)(5)	Flood Insurance:
42 U.S.C. 4012a(f)(5)	Per violation	2,187
^The maximum penalty amount is per day, unless otherwise indicated. * The maximum penalty amount for a national bank is the lesser of this amount or 1 percent of total assets. ^***These amounts also apply to CMPs in statutes that cross-reference 12 U.S.C. 1818, such as 12 U.S.C. 2804, 3108, 3349, 4309, and 4717 and 15 U.S.C. 1607, 1681s, 1691c, and 1692 l.

NCUA

NCUA Civil Monetary Penalty Amounts (Adjusted 1/2019) Inflation adjusted as required by the Federal Civil Penalties Inflation Adjustment Act of 1990
U.S. Code citation	CMP description	New maximum amount
(1) 12 U.S.C. 1782(a)(3)	Inadvertent failure to submit a report or the inadvertent submission of a false or misleading report	$4,027
(2) 12 U.S.C. 1782(a)(3)	Non-inadvertent failure to submit a report or the non-inadvertent submission of a false or misleading report	$40,269
(3) 12 U.S.C. 1782(a)(3)	Failure to submit a report or the submission of a false or misleading report done knowingly or with reckless disregard	$2,013,399 or 1 percent of the total assets of the credit union, whichever is less.
(4) 12 U.S.C. 1782(d)(2)(A)	Tier 1 CMP for inadvertent failure to submit certified statement of insured shares and charges due to NCUSIF, or inadvertent submission of false or misleading statement	$3,682
(5) 12 U.S.C. 1782(d)(2)(B)	Tier 2 CMP for non-inadvertent failure to submit certified statement or submission of false or misleading statement	$36,809
(6) 12 U.S.C. 1782(d)(2)(C)	Tier 3 CMP for failure to submit a certified statement or the submission of a false or misleading statement done knowingly or with reckless disregard	$1,840,491 or 1 percent of the total assets of the credit union, whichever is less.
(7) 12 U.S.C. 1785(a)(3)	Non-compliance with insurance logo requirements	$125
(8) 12 U.S.C. 1785(e) (3)	Non-compliance with NCUA security requirements	$292
(9) 12 U.S.C. 1786(k)(2)(A)	Tier 1 CMP for violations of law, regulation, and other orders or agreements	$10,067
(10) 12 U.S.C. 1786(k)(2)(A)	Tier 2 CMP for violations of law, regulation, and other orders or agreements and for recklessly engaging in unsafe or unsound practices or breaches of fiduciary duty	$50,334
(11) 12 U.S.C. 1786(k)(2)(A)	Tier 3 CMP for knowingly committing the violations under Tier 1 or 2 (natural person)	$2,013,399
(12) 12 U.S.C. 1786(k)(2)(A)	Tier 3 CMP for knowingly committing the violations under Tier 1 or 2 (insured credit union)	$2,013,399 or 1 percent of the total assets of the credit union, whichever is less.
(13) 12 U.S.C. 1786(w)(5)(ii)	Non-compliance with senior examiner post-employment restrictions	$331,174
(14) 15 U.S.C. 1639e(k)	Non-compliance with appraisal independence requirements	First violation: $11,563 Subsequent violations: $23,125
(15) 42 U.S.C. 4012a(f)(5)	Non-compliance with flood insurance requirements	$2,187

FRB

FRB Civil Monetary Penalty Amounts (Adjusted 2/2019) Inflation adjusted as required by the Federal Civil Penalties Inflation Adjustment Act of 1990
U.S. Code Citation	Description and Tier	Maximum Penalty Amount 2018	Maximum Penalty Amount 2019
12 U.S.C. 324:	Inadvertently late or misleading reports, inter alia	3,928	4,027
	Other late or misleading reports, inter alia	39,278	40,296
	Knowingly or reckless false or misleading reports, inter alia	1,963,870	2,013,399
12 U.S.C. 334		285	292
12 U.S.C. 374a		285	292
12 U.S.C. 504:	First Tier	9,819	10,067
	Second Tier	49,096	50,334
	Third Tier	1,963,870	2,013,399
12 U.S.C. 505:	First Tier	9,819	10,067
	Second Tier	49,096	50,334
	Third Tier	1,963,870	2,013,399
12 U.S.C. 1464(v)(4)		3,928	4,027
12 U.S.C. 1464(v)(5)		39,278	40,269
12 U.S.C. 1464(v)(6)		1,963,870	2,013,399
12 U.S.C. 1467a(i)(2)		49,096	50,334
12 U.S.C. 1467a(i)(3)		49,096	50,334
12 U.S.C. 1467a(r):	First Tier	3,928	4,027
	Second Tier	39,278	40,269
	Third Tier	1,963,870	2,013,399
12 U.S.C. 1817(j)(16):	First Tier	9,819	10,067
	Second Tier	49,096	50,334
	Third Tier	1,963,870	2,013,399
12 U.S.C. 1818(i)(2):	First Tier	9,819	10,067
	Second Tier	49,096	50,334
	Third Tier	1,963,870	2,013,399
12 U.S.C. 1820(k)(6)(A)(ii)		323,027	331,174
12 U.S.C. 1832(c)		2,852	2,924
12 U.S.C. 1847(b)		49,096	50,334
12 U.S.C. 1847(d):	First Tier	3,928	4,027
	Second Tier	39,278	40,269
	Third Tier	1,963,870	2,013,399
12 U.S.C. 1884		285	292
12 U.S.C. 1972(2)(F):	First Tier	9,819	10,067
	Second Tier	49,096	50,334
	Third Tier	1,963,870	2,013,399
12 U.S.C. 3110(a)		44,881	46,013
12 U.S.C. 3110(c):	First Tier	3,591	3,682
	Second Tier	35,904	36,809
	Third Tier	1,795,216	1,840,491
12 U.S.C. 3909(d)		2,443	2,505
15 U.S.C. 78u-2(b)(1):	For a natural person	9,239	9,472
15 U.S.C. 78u-2(b)(1):	For any other person	92,383	94,713
15 U.S.C. 78u-2(b)(2)	For a natural person	92,383	94,713
15 U.S.C. 78u-2(b)(2)	For any other person	461,916	473,566
15 U.S.C. 78u-2(b)(3):	For a natural person	184,767	189,427
15 U.S.C. 78u-2(b)(3):	For any other person	923,831	947,130
15 U.S.C. 1639e(k)(1)		11,279	11,563
15 U.S.C. 1639e(k)(2)		22,556	23,125
42 U.S.C. 4012a(f)(5)		2,133	2,187

Lending Compliance Enforcement Actions Chart

Deposit Compliance Enforcement Actions Chart

BSA Compliance Enforcement Actions Chart

Reg B Equal Credit Opportunity

Law / Regulation

Regulation B

eCFR

Ultimate Compliance Resource

Important Dates

Lending Thresholds

Laws & Regulations

Banking Agency Regulations

Other Agency Regulations

Laws

Resources

Appraisal Resources

HMDA/CRA Resources

Regulatory Agencies

Penalties

Enforcement Actions

Consumer Financial Protection Bureau Regulations

Federal Reserve Board Regulations

FDIC Insurance Membership and Insurance Regulations

BSA/AML Regulations

CFPB

FDIC

OCC (National Banks)

OCC (Federal Savings Associations)

NCUA

FRB

Lending Compliance Enforcement Actions Chart

Deposit Compliance Enforcement Actions Chart

BSA Compliance Enforcement Actions Chart

Reg B Equal Credit Opportunity

Law / Regulation

Regulation B

Video Webinars

Reg C Home Mortgage Disclosure

Law / Regulation

Regulation C

Video Webinars

Reg O Loans to Executive Officers, Directors, and Principal Shareholders of Member Banks