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ENFORCEMENT

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

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)

Federal Reserve Board Regulations

FDIC Insurance Membership and Insurance Regulations

CFPB

CFPB Civil Monetary Penalty Amounts (Adjusted 1/2020)

Inflation adjusted as required by the Federal Civil Penalties Inflation Adjustment Act of 1990

Law

Penalty Description 2019 Amount

2020

Amount

Consumer Financial Protection Act, 12 U.S.C. 5565(c)(2)(A) Tier 1 penalty

$5,781

$5,883

Consumer Financial Protection Act, 12 U.S.C. 5565(c)(2)(B) Tier 2 penalty

$28,906

$29,416

Consumer Financial Protection Act, 12 U.S.C. 5565(c)(2)(C) Tier 3 penalty

$1,156,242

$1,176,638

Interstate Land Sales Full Disclosure Act, 15 U.S.C. 1717a(a)(2) Per violation

$2,014

$2,050

Interstate Land Sales Full Disclosure Act, 15 U.S.C. 1717a(a)(2) Annual cap

$2,013,399

$2,048,915

Real Estate Settlement Procedures Act, 12 U.S.C. 2609(d)(1) Per failure

$94

$96

Real Estate Settlement Procedures Act, 12 U.S.C. 2609(d)(1) Annual cap

$189,427

$192,768

Real Estate Settlement Procedures Act, 12 U.S.C. 2609(d)(2)(A) Per failure, where intentional

$190

$193

SAFE Act, 12 U.S.C. 5113(d)(2) Per violation

$29,192

$29,707

Truth in Lending Act, 15 U.S.C. 1639e(k)(1) First violation

$11,563

$11,767

Truth in Lending Act, 15 U.S.C. 1639e(k)(2) Subsequent violations

$23,125

$23,533

FDIC

FDIC Civil Monetary Penalty Amounts (Adjusted 1/2020)

Inflation adjusted as required by the Federal Civil Penalties Inflation Adjustment Act of 1990

 

U.S. Code Citation

 

Penalty Description

 

Maximum

Through 1/14/19

 

Maximum

Beginning 1/15/20

12 U.S.C. 1464(v): Tier One

$4,027

$4,098

Tier Two

40,269

40,979

Tier Three

2,013,399

2,048,915

12 U.S.C. 1467(d)

10,067

10,245

12 U.S.C. 1817(a): Tier One                4,027               4,098
Tier Two

40,269

40,979

Tier Three

2,013,399

2,048,915

12 U.S.C. 1817(c): Tier One

3,682

3,747

Tier Two

36,809

37,458

Tier Three

1,840,491

1,872,957

12 U.S.C. 1818(i)(2): Tier One

10,067

10,245

Tier Two

50,334

51,222

Tier Three

2,013,399

2,048,915

12 U.S.C. 1820(e)(4)

9,203

9,365

12 U.S.C. 1820(k)(6)            331,147           337,016
12 U.S.C. 1828(a)(3)

125

127

12 U.S.C. 1828(h): For assessments <$10,000

125

127

12 U.S.C. 1829b(j)              21,039             21,410
12 U.S.C. 1832(c)

2,924

2,976

12 U.S.C. 1884

292

297

12 U.S.C. 1972(2)(F): Tier One

10,067

10,245

Tier Two

50,334

51,222

Tier Three

2,013,399

2,048,915

12 U.S.C. 3909(d)

2,505

2,549

15 U.S.C. 78u-2: Tier One (individuals)

9,472

9,639

Tier One (others)

94,713

96,384

Tier Two (individuals)

94,713

96,384

Tier Two (others)

473,566

481,920

Tier Three (individuals)

189,427

192,768

Tier Three (others)

947,130

963,837

15 U.S.C. 1639e(k): First violation

11,563

11,767

Subsequent violations

23,125

23,533

31 U.S.C. 3802

11,463

11,665

42 U.S.C. 4012a(f)

2,187

2,226

12 CFR 308.132(e)(1)(i) First Offense:

$25 million or more assets:

1 to 15 days late

16 or more days late

 

 

552

1,105

 

 

562

1,124

Less than $25 million assets

1 to 15 days late

16 or more days late

 

185

368

 

188

374

12 CFR 308.132(e)(1)(ii). $25 million or more assets:

1 to 15 days late

16 or more days late

 

 

920

1,840

 

 

936

1,872

Less than $25 million in assets.

1 to 15 days late

16 or more days late

 

1/50,000th of the institution’s total assets

1/25,000th of the institution’s total assets

 

12 CRF 308.132(e)(2)

40,027

40,979

12 CFR 308.132(e)(3)

Tier One CMP

Tier Tow CMP

Tier Three CMP

4,027

40,269

2,013,399

4,098

40,979

2,048,915

OCC (National Banks)

OCC Civil Monetary Penalty Amounts For National Banks (Adjusted 1/2020)
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 10,245
Tier 2 51,222
Tier 3 2,048,915**
12 U.S.C. 164 Violation of Reporting Requirements:
Tier 1 4,098
Tier 2 40,979
Tier 3 2,048,915**
12 U.S.C. 481 Refusal of Affiliate to Cooperate in Examination 10,245
12 U.S.C. 504 Violation of Various Provisions of the Federal Reserve Act:
Tier 1 10,245
Tier 2 51,222
Tier 3 2,048,915**
12 U.S.C. 1817(j)(16) Violation of Change in Bank Control Act:
Tier 1 10,245
Tier 2 51,222
Tier 3 2,048,915**
12 U.S.C. 1818(i)(2)*** Violation of Law, Unsafe or Unsound Practice, or Breach of Fiduciary Duty:
Tier 1 10,245
Tier 2 51,222
Tier 3 2,048,915**
12 U.S.C. 1820(k)(6)(A)(ii) Violation of Post-Employment Restrictions:
Per violation 337,016
12 U.S.C. 1832(c) Violation of Withdrawals by Negotiable or Transferable Instrument for Transfers to Third Parties:
Per violation 2,976
12 U.S.C. 1884 Violation of the Bank Protection Act 297
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 10,245
Tier 2 51,222
Tier 3 2,048,915**
12 U.S.C. 3110(a) Violation of Various Provisions of the International Banking Act (Federal Branches and Agencies) 46,825
12 U.S.C. 3110(c) Violation of Reporting Requirements of the International Banking Act (Federal Branches and Agencies):
Tier 1 3,747
Tier 2 37,458
Tier 3 1,872,957**
12 U.S.C. 3909(d)(1) Violation of International Lending Supervision Act 2,549
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 9,639
Tier 1 (other person) – Per violation 96,384
Tier 2 (natural person) – Per violation 96,384
Tier 2 (other person) – Per violation 481,920
Tier 3 (natural person) – Per violation 192,768
Tier 3 (other person) – Per violation 963,837
15 U.S.C. 1639e(k) Violation of Appraisal Independence Requirements:
First violation 11,767
Subsequent violations 23,533
42 U.S.C. 4012a(f)(5) Flood Insurance:
Per violation 2,226
* 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 1/2020)
 

U.S. Code Citation

 

Description and Tier

 

Maximum Penalty Amount*

 

12 U.S.C. 1464(v) Reports of condition:
Tier 1

4,098

Tier 2

40,979

Tier 3

2,048,915**

12 U.S.C. 1467(d) Refusal of Affiliate to Cooperate in Examination

10,245

12 U.S.C. 1467a(r) Late/Inaccurate Reports:
Tier 1

4,098

Tier 2

40,979

Tier 3

2,048,915**

12 U.S.C. 1817(j)(16) Violation of Change in Bank Control Act:
Tier 1

10,245

Tier 2

51,222

Tier 3

2,048,915**

12 U.S.C. 1818(i)(2)*** Violation of Law, Unsafe or Unsound Practice, or Breach of Fiduciary Duty:
Tier 1

10,245

Tier 2

51,222

Tier 3

2,048,915**

12 U.S.C. 1820(k)(6)(A)(ii) Violation of Post-Employment Restrictions:
Per violation

337,016

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

2,705

12 U.S.C. 1884 Violation of the Bank Protection Act

297

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

10,245

Tier 2

51,222

Tier 3

2,048,915**

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

9,639

Tier 1 (other person) – Per violation

96,384

Tier 2 (natural person) – Per violation

96,384

Tier 2 (other person) – Per violation

481,920

Tier 3 (natural person) – Per violation

192,768

Tier 3 (other person) – Per violation

963,837

15 U.S.C. 1639e(k) Violation of Appraisal Independence Requirements:
First violation

11,767

Subsequent violations

23,533

42 U.S.C. 4012a(f)(5) Flood Insurance:
Per violation

2,226

*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 1/2020)

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

$4,098

(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

$40,979

(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

$2,048,915 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

$3,747

(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

$37,458

(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

$1,872,957 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

$127

(8) 12 U.S.C. 1785(e) (3) Non-compliance with NCUA security requirements

$297

(9) 12 U.S.C. 1786(k)(2)(A) Tier 1 CMP for violations of law, regulation, and other orders or agreements

$10,245

(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

$51,222

(11) 12 U.S.C. 1786(k)(2)(A) Tier 3 CMP for knowingly committing the violations under Tier 1 or 2 (natural person)

$2,048,915

(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)

$2,048,915 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

$337,016

(14) 15 U.S.C. 1639e(k) Non-compliance with appraisal independence requirements

First violation: $11,767 Subsequent violations: $23,533

(15) 42 U.S.C. 4012a(f)(5) Non-compliance with flood insurance requirements

$2,226

FRB

FRB Civil Monetary Penalty Amounts (Adjusted 1/2020)

Inflation adjusted as required by the Federal Civil Penalties Inflation Adjustment Act of 1990

 

U.S. Code Citation

 

Description and Tier

 

Maximum Penalty Amount 2019

 

 

Maximum Penalty Amount 2020

 

12 U.S.C. 324: Inadvertently late or misleading reports, inter alia 4,027 4,098
Other late or misleading reports, inter alia 40,296 40,979
Knowingly or reckless false or misleading reports, inter alia 2,013,399 2,049,915
12 U.S.C. 334 292 297
12 U.S.C. 374a 292 297
12 U.S.C. 504: First Tier 10,067 10,245
Second Tier 50,334 51,222
Third Tier 2,013,399 2,048,915
12 U.S.C. 505: First Tier 10,067 10,245
Second Tier 50,334 51,222
Third Tier 2,013,399 2,048,915
12 U.S.C. 1464(v)(4) 4,027 4,098
12 U.S.C. 1464(v)(5) 40,269 40,979
12 U.S.C. 1464(v)(6) 2,013,399 2,048,915
12 U.S.C. 1467a(i)(2) 50,334 51,222
12 U.S.C. 1467a(i)(3) 50,334 51,222
12 U.S.C. 1467a(r): First Tier 4,027 4,098
Second Tier 40,269 40,979
Third Tier 2,013,399 2,048,915
12 U.S.C. 1817(j)(16): First Tier 10,067 10,245
Second Tier 50,334 51,222
Third Tier 2,013,399 2,048,915
12 U.S.C. 1818(i)(2): First Tier 10,067 10,245
Second Tier 50,334 51,222
Third Tier 2,013,399 2,048,915
12 U.S.C. 1820(k)(6)(A)(ii) 331,174 337,016
12 U.S.C. 1832(c) 2,924 2,976
12 U.S.C. 1847(b) 50,334 51,222
12 U.S.C. 1847(d): First Tier 4,027 4,098
Second Tier 40,269 40,979
Third Tier 2,013,399 2,048,915
12 U.S.C. 1884 292 297
12 U.S.C. 1972(2)(F): First Tier 10,067 10,245
Second Tier 50,334 51,222
Third Tier 2,013,399 2,048,915
12 U.S.C. 3110(a) 46,013 46,825
12 U.S.C. 3110(c): First Tier 3,682 3,747
Second Tier 36,809 37,458
Third Tier 1,840,491 1,872,957
12 U.S.C. 3909(d) 2,505 2,549
15 U.S.C. 78u-2(b)(1): For a natural person 9,472 9,639
For any other person 94,713 96,384
15 U.S.C. 78u-2(b)(2) For a natural person 94,713 96,384
For any other person 473,566 481,920
15 U.S.C. 78u-2(b)(3): For a natural person 189,427 192,786
For any other person 947,130 963,837
15 U.S.C. 1639e(k)(1) 11,563 11,767
15 U.S.C. 1639e(k)(2) 23,125 23,533
42 U.S.C. 4012a(f)(5) 2,187 2,226

 

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

Deposit Compliance Enforcement Actions Chart

BSA Compliance Enforcement Actions Chart

Reg B Equal Credit Opportunity

Reg C Home Mortgage Disclosure

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

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  • Important Dates: Annual Compliance Tasks, Training Requirements, and Upcoming Compliance Effective Dates
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  • 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.