Ultimate Compliance Resource

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IMPORTANT
DATES
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LENDING
THRESHOLDS
Laws & Regulations Image
LAWS &
REGULATIONS
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RESOURCES
Penalties Image
PENALTIES
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ENFORCEMENT

Important Dates

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

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)
  • FinCEN (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

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:
Per violation 331,174
12 U.S.C. 1832(c) Violation of Withdrawals by Negotiable or Transferable Instrument for Transfers to Third Parties:
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:
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:
Per violation

331,174
12 U.S.C. 1832(c) Violation of Withdrawals by Negotiable or Transferable Instrument for Transfers to Third Parties:
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:
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
For any other person 92,383 94,713
15 U.S.C. 78u-2(b)(2) For a natural person 92,383 94,713
For any other person 461,916 473,566
15 U.S.C. 78u-2(b)(3): For a natural person 184,767 189,427
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

FinCEN

Table 1 of 1010.821 – Penalty Adjustment Table
U.S Code Citation Civil monetary penalty description  Penalties as last amended by statue Maximum penalty amounts or range of minimum and maximum penalty amounts for penalties assessed on or after October 10, 2019
12 U.S.C 1829(j) Relating to Recordkeeping Violations for Funds Transfers $10,000 $21,039
12 U.S.C 1955 Willful or Grossly Negligent Recordkeeping Violations 10,000 21,039
31 U.S.C 531(k)(3)(C) Failure to Terminate Corresponding Relationship with Foreign Bank 10,000 14,231
31 U.S.C 5321(a)(1) General Civil Penalty 25,000 57,317
Provision for Willful Violations of Bank Secrecy Act Requirements -100,000 -239,269
31 U.S.C 5321(a)(5)(B)(i) Foreign Financial Agency Transaction-Non-Willful Violation of Transaction 10,000 13,247
31 U.S.C 5321(a)(5)(C)(i)(l) Foreign Financial Agency Transaction-Willful Violation of Transaction 100,000 132,469
31 U.S.C 5321(a)(6)(A) Negligent Violation by Financial Institution or Non-Financial Trade or Business 500 1,146
31 U.S.C 5321(a)(6)(B) Pattern of Negligent Activity by Financial Institution or Non-Financial Trade or Business 50,000 89,170
31 U.S.C 5321(a)(7) Violation of Certain Due Diligence Requirements, Prohibition on Corespondent Accounts for Shell Banks, and Special Measures 1,000,000 1,423,088
31 U.S.C 5330(e) Civil Penalty for Failure to Register as Money Transmitting Business 5,000 8,457

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

Compliance Resource, LLC offers not only premium education services from experienced and trusted industry professionals, we also offers free tools and information to help compliance professional stay up-to-date and comply with the ever-increasing rules and regulations applicable to their financial institutions. Our Ultimate Compliance Resource page is arguably the most information packed section on our website, providing information compliance professional need on a regular basis in one easy-to-use location, including:

  • Important Dates: Annual Compliance Tasks, Training Requirements, and Upcoming Compliance Effective Dates
  • Lending Thresholds: Lending Thresholds Affecting Applicability of Specific Regulations Adjusted Annually
  • Laws/Regulations: Links to Online Sources for Financial Industry Laws and Regulations
  • Resources: Links to Regulatory Agencies Websites and Specific Frequent-Use Regulatory Guidance
  • Penalties: Maximum Civil Money Penalties Charts (Updated Annually) for each Regulator
  • Enforcement Actions: Lending Enforcement Action Charts and Links to Links to FDIC, OCC , FRB, CFPB and NCUA Enforcement Action Resources.