Ultimate Compliance Resource

IMPORTANT
DATES

LENDING
THRESHOLDS

LAWS &
REGULATIONS

RESOURCES

PENALTIES

ENFORCEMENT

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)
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

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 1/15/2022) Inflation adjusted as required by the Federal Civil Penalties Inflation Adjustment Act of 1990
Statute	Description	Tier	Adjusted Maximum CMP
Consumer Financial Protection Act, 12 U.S.C. 5565(c)(2)(A)		Tier 1	$6,323
Consumer Financial Protection Act, 12 U.S.C. 5565(c)(2)(B)		Tier 2	$31,616
Consumer Financial Protection Act, 12 U.S.C. 5565(c)(2)(C)		Tier 3	$1,264,622
Interstate Land Sales Full Disclosure Act, 15 U.S.C. 1717a(a)(2)	Per violation		$2,203
Interstate Land Sales Full Disclosure Act, 15 U.S.C. 1717a(a)(2)	Annual cap		$2,202,123
Real Estate Settlement Procedures Act, 12 U.S.C. 2609(d)(1)	Per failure		$103
Real Estate Settlement Procedures Act, 12 U.S.C. 2609(d)(1)	Annual cap		$207,183
Real Estate Settlement Procedures Act, 12 U.S.C. 2609(d)(2)(A)	Per failure, where intentional		$207
SAFE Act, 12 U.S.C. 5113(d)(2)	Per violation		$31,928
Truth in Lending Act, 15 U.S.C. 1639e(k)(1)	First violation		$12,647
Truth in Lending Act, 15 U.S.C. 1639e(k)(2)	Subsequent violations		$25,293

FDIC

FDIC Civil Monetary Penalty Amounts (Adjusted 1/5/2022) Inflation adjusted as required by the Federal Civil Penalties Inflation Adjustment Act of 1990
U.S. Code Citation	Description	Current Maximum CMP Through 1/14/22	Adjusted maximum CMP Beginning 1/15/22
12 U.S.C. 1464(v):	Tier One CMP	$4,146	$4,404
	Tier Two CMP	$41,463	$44,043
	Tier Three CMP	$2,073,133	$2,202,123
12 U.S.C. 1467(d)		$10,366	$11,011
12 U.S.C. 1817(a):	Tier One CMP	$4,146	$4,404
	Tier Two CMP	$41,463	$44,043
	Tier Three CMP	$2,073,133	$2,202,123
12 U.S.C. 1817(c):	Tier One CMP	$3,791	$4,027
	Tier Two CMP	$37,901	$40,259
	Tier Three CMP	$1,895,095	$2,013,008
12 U.S.C. 1818(i)(2):	Tier One CMP	$10,366	$11,011
	Tier Two CMP	$51,827	$55,052
	Tier Three CMP	$2,073,133	$2,202,123
12 U.S.C. 1820(e)(4)		$9,476	$10,066
12 U.S.C. 1820(k)(6)		$341,000	$362,217
12 U.S.C. 1828(a)(3)		$129	$137
12 U.S.C. 1828(h):	For assessments <$10,000	$129	$137
12 U.S.C. 1829b(j)		$21,663	$23,011
12 U.S.C. 1832(c)		$3,011	$3,198
12 U.S.C. 1884		$301	$320
12 U.S.C. 1972(2)(F):	Tier One CMP	$10,366	$11,011
	Tier Two CMP	$51,827	$55,052
	Tier Three CMP	$2,073,133	$2,202,123
12 U.S.C. 3909(d)		$2,579	$2,739
15 U.S.C. 78u-2:	Tier One CMP (individuals)	$9,753	$10,360
	Tier One CMP (others)	$97,523	$103,591
	Tier Two CMP (individuals)	$97,523	$103,591
	Tier Two CMP (others)	$487,616	$517,955
	Tier Three CMP (individuals)	$195,047	$207,183
	Tier Three CMP (others)	$975,230	$1,035,909
15 U.S.C. 1639e(k):	First violation	$11,906	$12,647
	Subsequent violations	$23,811	$25,293
31 U.S.C. 3802		$11,803	$12,537
42 U.S.C. 4012a(f)		$2,252	$2,392
12 CFR 308.132(e)(1)(i)	First Offense: $25 million or more assets: 1 to 15 days late 16 or more days late	$569 $1,137	$604 $1,208
	Less than $25 million assets 1 to 15 days late 16 or more days late	$190 $378	$202 $402
12 CFR 308.132(e)(1)(ii).	$25 million or more assets: 1 to 15 days late 16 or more days late	936 1,872	947 1,894
	Less than $25 million in assets. 1 to 15 days late 16 or more days late	$947 $1,894	$1,006 $2,012
12 CRF 308.132(e)(2)		$41,463	$44,043
12 CFR 308.132(e)(3)	Tier One CMP Tier Tow CMP Tier Three CMP	$4,146 $41,463 $2,073,133	$4,404 $44,043 $2,202,123

OCC (National Banks)

OCC Civil Monetary Penalty Amounts For National Banks (Adjusted 1/15/2022) Inflation adjusted as required by the Federal Civil Penalties Inflation Adjustment Act of 1990
U.S. Code Citation	Description and Tier	Maximum Penalty Amount CMP (on or after January 12, 2022)
12 U.S.C. 93(b)	Violation of Various Provisions of the National Bank Act:
	Tier 1	$11,011
	Tier 2	$55,052
	Tier 3	$2,202,123
12 U.S.C. 164	Violation of Reporting Requirements:
	Tier 1	$4,404
	Tier 2	$44,043
	Tier 3	$2,202,123
12 U.S.C. 481	Refusal of Affiliate to Cooperate in Examination	$11,011
12 U.S.C. 504	Violation of Various Provisions of the Federal Reserve Act:
	Tier 1	$11,011
	Tier 2	$55,052
	Tier 3	$2,202,123
12 U.S.C. 1817(j)(16)	Violation of Change in Bank Control Act:
	Tier 1	$11,011
	Tier 2	$55,052
	Tier 3	$2,202,123
12 U.S.C. 1818(i)(2)***	Violation of Law, Unsafe or Unsound Practice, or Breach of Fiduciary Duty:
	Tier 1	$11,011
	Tier 2	$55,052
	Tier 3	$2,202,123
12 U.S.C. 1820(k)(6)(A)(ii)	Post-Employment Restrictions: Per violation
12 U.S.C. 1820(k)(6)(A)(ii)	Per violation	$362,217
12 U.S.C. 1832(c)	Withdrawals by Negotiable or Transferable Instrument for Transfers to Third Parties: Per violation
12 U.S.C. 1832(c)	Per violation	$3,198
12 U.S.C. 1884	Violation of the Bank Protection Act	$320
12 U.S.C. 1972(2)(F)	Anti-Tying Provisions regarding Correspondent Accounts, Unsafe or Unsound Practices, or Breach of Fiduciary Duty:
	Tier 1	$11,011
	Tier 2	$55,052
	Tier 3	$2,202,123
12 U.S.C. 3110(a)	Various Provisions of the International Banking Act (Federal Branches and Agencies)	$50,326
12 U.S.C. 3110(c)	Violation of Reporting Requirements of the International Banking Act (Federal Branches and Agencies):
	Tier 1	$4,027
	Tier 2	$40,259
	Tier 3	$2,013,008
12 U.S.C. 3909(d)(1)	Violation of International Lending Supervision Act	$2,739
15 U.S.C. 78u-2(b)	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	$10,360
	Tier 1 (other person) – Per violation	$103,591
	Tier 2 (natural person) – Per violation	$103,591
	Tier 2 (other person) – Per violation	$517,955
	Tier 3 (natural person) – Per violation	$207,183
	Tier 3 (other person) – Per violation	$1,035,909
15 U.S.C. 1639e(k)	Violation of Appraisal Independence Requirements:
	First violation	$12,647
	Subsequent violations	$25,293
42 U.S.C. 4012a(f)(5)	Flood Insurance:
42 U.S.C. 4012a(f)(5)	Per violation	$2,392
* 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 1/15/2022)
U.S. Code Citation	Description and Tier	Adjusted Maximum CMP (on or after January 12, 2022)
12 U.S.C. 1464(v)	Reports of condition:
	Tier 1	$4,404
	Tier 2	$44,043
	Tier 3	$2,202,123
12 U.S.C. 1467(d)	Refusal of Affiliate to Cooperate in Examination	$11,011
12 U.S.C. 504	Various Provisions of the Federal Reserve Act:
	Tier 1	$11,011
	Tier 2	$55,052
	Tier 3	$2,202,123
12 U.S.C. 1817(j)(16)	Violation of Change in Bank Control Act:
	Tier 1	$11,011
	Tier 2	$55,052
	Tier 3	$2,202,123
12 U.S.C. 1818(i)(2)***	Violation of Law, Unsafe or Unsound Practice, or Breach of Fiduciary Duty:
	Tier 1	$11,011
	Tier 2	$55,052
	Tier 3	$2,202,123
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	$362,217
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	$3,198
12 U.S.C. 1884	Violation of the Bank Protection Act	$320
12 U.S.C. 1972(2)(F)	Anti-Tying Provisions regarding Correspondent Accounts, Unsafe or Unsound Practices, or Breach of Fiduciary Duty:
	Tier 1	$11,011
	Tier 2	$55,052
	Tier 3	$2,202,123
12 U.S.C. 3110(a)	Various Provisions of the International Banking Act (Federal Branches and Agencies)	$50,326
12 U.S.C. 3110(c)	Violation of Reporting Requirements of the International Banking Act (Federal Branches and Agencies):
	Tier 1	$4,027
	Tier 2	$40,259
	Tier 3	$ 2,013,008
12 U.S.C. 3909(d)(1)	Violation of International Lending Supervision Act	$2,739
15 U.S.C. 78u-2(b)	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	$10,360
	Tier 1 (other person) – Per violation	$103,591
	Tier 2 (natural person) – Per violation	$103,591
	Tier 2 (other person) – Per violation	$517,955
	Tier 3 (natural person) – Per violation	$207,183
	Tier 3 (other person) – Per violation	$1,035,909
15 U.S.C. 1639e(k)	Appraisal Independence Requirements: First Violation
	First violation	$12,647
	Subsequent violations	$25,293
42 U.S.C. 4012a(f)(5)	Flood Insurance:
42 U.S.C. 4012a(f)(5)	Per violation	$2,392
^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

FDIC Civil Monetary Penalty Amounts (Adjusted 1/5/2022) Inflation adjusted as required by the Federal Civil Penalties Inflation Adjustment Act of 1990
U.S. Code Citation	Description	Current Maximum CMP Through 1/14/22	Adjusted maximum CMP Beginning 1/15/22
12 U.S.C. 1464(v):	Tier One CMP	$4,146	$4,404
	Tier Two CMP	$41,463	$44,043
	Tier Three CMP	$2,073,133	$2,202,123
12 U.S.C. 1467(d)		$10,366	$11,011
12 U.S.C. 1817(a):	Tier One CMP	$4,146	$4,404
	Tier Two CMP	$41,463	$44,043
	Tier Three CMP	$2,073,133	$2,202,123
12 U.S.C. 1817(c):	Tier One CMP	$3,791	$4,027
	Tier Two CMP	$37,901	$40,259
	Tier Three CMP	$1,895,095	$2,013,008
12 U.S.C. 1818(i)(2):	Tier One CMP	$10,366	$11,011
	Tier Two CMP	$51,827	$55,052
	Tier Three CMP	$2,073,133	$2,202,123
12 U.S.C. 1820(e)(4)		$9,476	$10,066
12 U.S.C. 1820(k)(6)		$341,000	$362,217
12 U.S.C. 1828(a)(3)		$129	$137
12 U.S.C. 1828(h):	For assessments <$10,000	$129	$137
12 U.S.C. 1829b(j)		$21,663	$23,011
12 U.S.C. 1832(c)		$3,011	$3,198
12 U.S.C. 1884		$301	$320
12 U.S.C. 1972(2)(F):	Tier One CMP	$10,366	$11,011
	Tier Two CMP	$51,827	$55,052
	Tier Three CMP	$2,073,133	$2,202,123
12 U.S.C. 3909(d)		$2,579	$2,739
15 U.S.C. 78u-2:	Tier One CMP (individuals)	$9,753	$10,360
	Tier One CMP (others)	$97,523	$103,591
	Tier Two CMP (individuals)	$97,523	$103,591
	Tier Two CMP (others)	$487,616	$517,955
	Tier Three CMP (individuals)	$195,047	$207,183
	Tier Three CMP (others)	$975,230	$1,035,909
15 U.S.C. 1639e(k):	First violation	$11,906	$12,647
	Subsequent violations	$23,811	$25,293
31 U.S.C. 3802		$11,803	$12,537
42 U.S.C. 4012a(f)		$2,252	$2,392
12 CFR 308.132(e)(1)(i)	Institutions with $25 million or more in assets:
	1 to 15 days late	$569	$604
12 CFR 308.132(e)(1)(ii).	$25 million or more assets: 1 to 15 days late 16 or more days late	936 1,872	947 1,894
	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)		40,979	41,463
12 CFR 308.132(e)(3)	Tier One CMP Tier Tow CMP Tier Three CMP	4,098 40,979 2,048,915	4,146 41,463 2,073,133

FRB

FRB Civil Monetary Penalty Amounts (Adjusted 1/13/2021) Inflation adjusted as required by the Federal Civil Penalties Inflation Adjustment Act of 1990
U.S. Code Citation	Description and Tier	Tier	Adjusted Maximum CMP
12 U.S.C. 324:	Inadvertently late or misleading reports, inter alia		$4,404
	Other late or misleading reports, inter alia		$44,043
	Knowingly or reckless false or misleading reports, inter alia		$2,202,123
12 U.S.C. 334			$320
12 U.S.C. 374a			$320
12 U.S.C. 504:		Tier 1	$11,011
		Tier 2	$55,052
		Tier 3	$2,202,123
12 U.S.C. 505:		Tier 1	$11,011
		Tier 2	$55,052
		Tier 3	$2,202,123
12 U.S.C. 1464(v)(4)			$4,404
12 U.S.C. 1464(v)(5)			$44,043
12 U.S.C. 1467a(i)(2)			$2,202,123
12 U.S.C. 1467a(i)(3)			$55,052
12 U.S.C. 1467a(r):		Tier 1	$4,404
		Tier 2	$44,043
		Tier 3	$2,202,123
12 U.S.C. 1817(j)(16):		Tier 1	$11,011
		Tier 2	$55,052
		Tier 3	$2,202,123
12 U.S.C. 1818(i)(2):		Tier 1	$11,011
		Tier 2	$55,052
		Tier 3	$2,202,123
12 U.S.C. 1820(k)(6)(A)(ii)			$362,217
12 U.S.C. 1832(c)			$3,198
12 U.S.C. 1847(b)			$55,052
12 U.S.C. 1847(d):		Tier 1	$4,404
		Tier 2	$44,043
		Tier 3	$2,202,123
12 U.S.C. 1884			$320
12 U.S.C. 1972(2)(F):		Tier 1	$11,011
		Tier 2	$55,052
		Tier 3	$2,202,123
12 U.S.C. 3110(a)			$50,326
12 U.S.C. 3110(c):		Tier 1	$4,027
		Tier 2	$40,259
		Tier 3	$2,013,008
12 U.S.C. 3909(d)			$2,739
15 U.S.C. 78u-2(b)(1):	For a natural person		$10,360
15 U.S.C. 78u-2(b)(1):	For any other person		$103,591
15 U.S.C. 78u-2(b)(2)	For a natural person		$103,591
15 U.S.C. 78u-2(b)(2)	For any other person		$517,955
15 U.S.C. 78u-2(b)(3):	For a natural person		$207,183
15 U.S.C. 78u-2(b)(3):	For any other person		$1,035,909
15 U.S.C. 1639e(k)(1)			$12,647
15 U.S.C. 1639e(k)(2)			$25,293
42 U.S.C. 4012a(f)(5)			$2,392

FinCEN

Table 1 of 1010.821 – Penalty Adjustment Table (Adjusted 1/24/2022)
Statute	Description	Tier	Adjusted Maximum CMP
12 U.S.C 1829b(j)	Relating to Recordkeeping Violations For Funds Transfers.		$23,011
12 U.S.C 1955	Willful or Grossly Negligent Recordkeeping Violations		$23,011
31 U.S.C 5318(k)(3)(C)	Failure to Terminate Correspondent Relationship with Foreign Bank		$15,565
31 U.S.C 5321(a)(1)	General Civil Penalty Provision for Willful Violations of Bank Secrecy Act Requirements		$62,689 – $250,759 (This is a range, not two numbers)
31 U.S.C 5321(a)(5)(B)(i)	Foreign Financial Agency Transaction-Non-Willful Violation of Transaction		$14,489
31 U.S.C 5321(a)(5)(C)(i)(l)	Foreign Financial Agency Transaction-Willful Violation of Transaction		$144,886
31 U.S.C 5321(a)(6)(A)	Negligent Violation by Financial Institution or Non-Financial Trade or Business		$1,253
31 U.S.C 5321(a)(6)(B)	Pattern of Negligent Activity by Financial Institution or Non-Financial Trade or Business		$97,529
31 U.S.C 5321(a)(7)	Violation of Certain Due Diligence Requirements, Prohibition on Corespondent Accounts for Shell Banks, and Special Measures		$1,556,481
31 U.S.C 5330(e)	Civil Penalty for Failure to Register as Money Transmitting Business		$9,250

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

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.