Ultimate Compliance Resource

Important Dates Image
IMPORTANT
DATES
Lending Thresholds Image
LENDING
THRESHOLDS
Laws & Regulations Image
LAWS &
REGULATIONS
Resources Image
RESOURCES
Penalties Image
PENALTIES
Enforcement Image
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 1/15/2022)

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
Per violation $362,217
12 U.S.C. 1832(c) Withdrawals by Negotiable or Transferable Instrument for Transfers to Third Parties: Per violation
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:
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:
Per violation

$362,217

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

I

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
For any other person $103,591
15 U.S.C. 78u-2(b)(2) For a natural person $103,591
For any other person $517,955
15 U.S.C. 78u-2(b)(3): For a natural person $207,183
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

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

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.