Rescinded Advisory Letters

Number	Date	Title	Comment
AL 2004-11	10/01/2004	Electronic Consumer Disclosures and Notices	Outdated¹ – See OCC 2020-11 For more recent information, refer to Comptroller’s Handbook, “Depository Services.”
AL 2004-10	09/14/2004	Credit Card Practices	Replaced² by Comptroller’s Handbook – Credit Card Lending
AL 2004-8	06/18/2004	Servicemembers Civil Relief Act	Replaced² by OCC Bulletin 2008-30
AL 2004-7	06/04/2004	Bank Secrecy Act/Anti-Money Laundering: Guidance on Money Services Business Customers	Replaced² by OCC Bulletin 2005-19
AL 2004-6	05/06/2004	Payroll Card Systems	Outdated¹ – See OCC 2020-11 For more recent information, refer to the interagency Electronic Fund Transfer Act examination procedures attached to OCC Bulletin 2019-16.
AL 2004-4	04/28/2004	Secured Credit Cards	Replaced² by Comptroller’s Handbook – Credit Card Lending
AL 2004-3	04/23/2004	U.S. Department of Treasury FinCEN Advisories 29W and 30W	Transmittal⁴
AL 2004-2	02/26/2004	Consumer Complaints Referred to National Banks by State Officials	Replaced² – See OCC Bulletin 2022-2
AL 2004-1	01/23/2004	Legal Lending Limits: Non-conforming Loans Due to Collateral Shortfalls	Outdated¹
AL 2003-10	12/09/2003	Risk Management of Wireless Networks	Outdated¹ – See OCC 2020-11 For more recent information, refer to FFIEC Information Technology Examination Handbook, “Information Security.”
AL 2003-9	10/28/2003	Independent Appraisal and Evaluation Functions	Replaced² by OCC Bulletin 2010-42
AL 2003-7	08/08/2003	Guidelines for Real Estate Lending Policies	Replaced² by OCC Bulletin 2013-19
AL 2003-6	07/29/2003	U.S. Department of Treasury FinCEN Advisory 27W	Transmittal⁴
AL 2003-5	06/24/2003	U.S. Department of Treasury FinCEN Advisory 2W	Transmittal⁴
AL 2003-4	05/16/2003	U.S. Department of Treasury FinCEN Advisories 16W and 31W	Transmittal⁴
AL 2002-11	12/20/2002	Lapse in Flood Insurance Authority	Replaced² by OCC Bulletin 2010-20
AL 2002-10	12/09/2002	U.S. Department of Treasury FinCEN Advisories 20A, 22A, and 25A	Transmittal⁴
AL 2002-8	10/29/2002	U.S. Department of Treasury FinCEN Patriot Act Communication System (PACS)	Outdated¹ – See OCC 2020-11
AL 2002-7	10/10/2002	U.S. Department of Treasury FinCEN Advisories 17A, 18A, and 26A	Transmittal⁴
AL 2002-5	06/06/2002	U.S. Department of Treasury FinCEN Advisories 28 through 32	Transmittal⁴
AL 2002-4	05/16/2002	Financial Action Task Force Guidance for Financial Institutions in Detecting Terrorist Financing	Transmittal⁴
AL 2002-2	02/27/2002	U.S. Department of Treasury FinCEN Advisories 11A and 21A	Transmittal⁴
AL 2002-1	02/27/2002	U.S. Department of Treasury FinCEN SAR Bulletin Number 4	Transmittal⁴ – See OCC 2020-11
AL 2001-12	12/19/2001	USA PATRIOT Act–Anti-money-laundering Provisions	Transmittal⁴ - See FFIEC BSA/AML Examination Manual
AL 2001-11	10/30/2001	SEC Action Against Robert L. Bentley, Entrust Group, and Bentley Financial Services, Inc.	Outdated¹
AL 2001-9	09/07/2001	Electronic Fund Transfer Act–Investigations of Unauthorized Transactions	Replaced² by Comptroller's Handbook – Electronic Fund Transfer Act
AL 2001-7	07/25/2001	U.S. Department of Treasury FinCEN Advisories 13A, 14A, 19A, 23A	Transmittal⁴
AL 2001-5	05/11/2001	Brokered and Rate-Sensitive Deposits	Incorporated³ into Comptroller's Handbook - Liquidity
AL 2001-3	01/29/2001	Internet-Initiated ACH Debits/ACH Risks	Replaced² by National Automated Clearing House Association (NACHA) Operating Rules
AL 2001-2	01/22/2001	Privacy Preparedness	Outdated¹
AL 2000-12	11/28/2000	Risk Management of Outsourcing Technology Services	Replaced² by FFIEC Outsourcing Technology Services booklet
AL 2000-9	08/29/2000	Third-Party Risk	Replaced² by OCC Bulletin 2013-29
AL 2000-8	08/09/2000	U.S. Department of Treasury FinCEN Advisories 13 through 27	Transmittal⁴
AL 2000-6	07/23/2000	Audit and Internal Controls	Replaced² by Comptroller's Handbook – Internal and External Audits
AL 2000-5	05/31/2000	Real Estate Settlement Procedures Act (RESPA) Q&A on the HUD-1 Settlement Statement	Transmittal⁴ - See Comptroller's Handbook – Real Estate Settlement Procedures
AL 2000-3	04/24/2000	Bank Secrecy Act Compliance Programs–Suspicious Activity Reporting Requirements	Replaced² by FFIEC BSA/AML Examination Manual
AL 2000-2	03/22/2000	Technology Risk Management Lessons from Year 2000 Project	Outdated¹
AL 2000-1	02/14/2000	Leap Year Day and Remaining Year 2000 Risks	Outdated¹
AL 1999-12	11/22/1999	Year 2000 Information Security Precautions	Outdated¹
AL 1999-11	10/28/1999	Year 2000 Letter to Service Providers and Software Vendors	Outdated¹
AL 1999-10	07/06/1999	Year 2000 Related Fraud Prevention	Outdated¹
AL 1999-9	06/14/1999	Gallup Survey on Y2K	Outdated¹
AL 1999-8	05/10/1999	Additional Year 2000 Guidance on Contingency Planning	Outdated¹
AL 1999-7	05/12/1999	Year 2000 Checklist for Customers	Outdated¹
AL 1999-6	05/04/1999	Guidance to National Banks on Website Privacy	Replaced² by OCC Bulletin 2003-41 (FFIEC E-Banking booklet)
AL 1999-5	05/04/1999	Year 2000 and Systems Integration Considerations in Corporate Application Decisions	Outdated¹
AL 1999-4	05/03/1999	Leveraged Lending	Outdated¹ - Refer to OCC Bulletin 2025-44, “Leveraged Lending: Interagency Statement on Recission of Interagency Leveraged Lending Guidance Issuances”
AL 1999-3	03/29/1999	Fair Credit Reporting Act	Outdated¹ – See OCC 2020-11 For more recent information, refer to OCC Bulletin 2008-28.
AL 1999-2	02/17/1999	Year 2000 Customer Communication Outline	Outdated¹
AL 1999-1	01/26/1999	State CRA Laws	Replaced² – See OCC Bulletin 2022-2
AL 1998-18	12/10/1998	Year 2000 Q&A Guidance	Outdated¹
AL 1998-17	12/08/1998	State CRA Laws	Replaced² by AL 1999-01
AL 1998-16	10/20/1998	Accuracy of Community Reinvestment Act Data in Large Banks	Outdated¹ – See OCC 2020-11
AL 1998-15	09/24/1998	Real Estate Settlement Procedures Act (RESPA), Escrow Accounts	Outdated¹ – See OCC 2020-11 For more recent information, refer to Comptroller’s Handbook, “Real Estate Settlement Procedures Act.”
AL 1998-14	09/03/1998	Fiduciary Services and Year 2000 Readiness	Outdated¹
AL 1998-13	08/27/1998	Year 2000 Q&A Guidance	Outdated¹
AL 1998-10	07/17/1998	National Registry of State Certified or Licensed Appraisers	Transmittal⁴ – See OCC 2020-11
AL 1998-9	07/15/1998	Access to Financing for Minority Small Businesses	Replaced² by AL 2003-8
AL 1998-8	07/08/1998	Year 2000 Examination Procedures	Outdated¹
AL 1998-7	05/19/1998	Year 2000 Guidance on Contingency Planning	Outdated¹
AL 1998-6	05/19/1998	Year 2000 Guidance on Customer Awareness	Outdated¹
AL 1998-5	04/10/1998	Year 2000 Guidance on Testing	Outdated¹
AL 1998-3	03/17/1998	Year 2000 Guidance on Customer Risk and Vendor Due Diligence	Outdated¹
AL 1998-1	01/20/1998	Year 2000 and System Integration Considerations in Corporate Application Decisions	Replaced² by AL 1999-05
AL 1997-10	12/17/1997	Year 2000 Business Risk	Outdated¹
AL 1997-8	08/06/1997	Allowance For Loan and Lease Losses	Replaced² by OCC 2001-37 and OCC 2006-47
AL 1997-7	07/23/1997	Affordable Mortgage Portfolios	Outdated¹ – See OCC 2020-11 For more recent information, refer to Comptroller’s Handbook, “Residential Real Estate Lending.”
AL 1997-6	05/16/1997	Year 2000 Issues and Examination Approach	Outdated¹
AL 1997-5	05/15/1997	Treasury's Large Position Record-Keeping and Reporting Rules	Outdated¹
AL 1997-4	04/17/1997	Treasury Inflation-Indexed Security	Transmittal⁴
AL 1997-3	03/11/1997	Credit Underwriting Standards and Portfolio Credit Risk Management	Replaced² by Comptroller's Handbook - Loan Portfolio Management
AL 1997-1	01/22/1997	Home Mortgage Disclosure Act Reporting of Data	Outdated¹ – See OCC 2020-11
AL 1996-8	10/08/1996	Guidance to National Banks on Insurance and Annuity Sales Activities	Replaced² by Comptroller's Handbook - Insurance Activities
AL 1996-7	09/26/1996	Credit Card Preapproved Solicitations	Outdated¹ – See OCC 2020-11 For more recent information, refer to Comptroller’s Handbook, “Retail Lending” and “Credit Card Lending.”
AL 1996-4	06/17/1996	Year 2000 Programming Code Risks	Outdated¹
AL 1996-3	04/18/1996	Fair Lending Pilot Testing Program	Outdated¹
AL 1995-6	11/07/1995	Reporting Suspicious Criminal Activity	Replaced² by OCC 96-19
AL 1995-5	08/10/1995	Federal Family Education Loan (FFEL) Student Loan Program	Outdated¹
AL 1995-4	07/18/1995	Bank Merger Competitive Analysis Review Screening Process	Replaced² by Comptroller's Licensing Manual - Business Combinations
AL 1995-3	05/18/1995	Bank Secrecy Act – Implications of Payable Through Accounts	Replaced² by FFIEC BSA/AML Examination Manual
AL 1995-2	02/09/1995	Bank Purchases of Life Insurance	Outdated¹ – See OCC 2020-11
AL 1995-1	02/08/1995	Interest Rate Risk	Replaced² by the Comptroller's Handbook - Interest Rate Risk

¹ Outdated: The document is no longer needed. Any attachments to the document are rescinded only as they relate to OCC-supervised banks.

² Replaced: The document and any attachments were replaced by a subsequent publication.

³ Incorporated: The document conveyed content that has been incorporated into another OCC publication.

⁴ Transmittal: The document is a cover letter that conveyed another document, such as a proposed rule or final rule, an interpretive letter, or a document from another regulatory entity. The rescission does not apply to the conveyed document.