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November 2018

OTS Examination Handbook: Consumer Affairs Laws and Regulations

OTS Examination Handbook: Consumer Affairs Laws and Regulations Cover Image

This publication is part of:

Collection: Comptroller's Handbook

NumberIssue DateTitleRescinded DateComment
EH 130012/2010Fair Credit Reporting Act, Controlling the Assault of Non-Solicited Pornography and Marketing Act, and Telephone Consumer Protection ActSections titled "Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003" and "Telephone Consumer Protection Act and Junk Fax Prevention Act" from pages 1300P.65-73 are replaced by Comptroller's Handbook –Other Consumer Protection Laws and Regulationsas of 11/20/2013.
EH 1300p04/2011ProgramSections titled "Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003" and "Telephone Consumer Protection Act and Junk Fax Prevention Act" from pages 1300.37-49 are replaced by Comptroller's Handbook –Other Consumer Protection Laws and Regulationsas of 11/20/2013.
EH 1300aa12/2010Appendix A: FCRA Statutory and Regulatory Matrix
EH 130505/2011Truth in Lending Act11/20/2013Replaced4by Comptroller's Handbook -Truth in Lending Act
EH 1305p04/2011Program11/20/2013Replaced4by Comptroller's Handbook -Truth in Lending Act
EH 1305aa05/2011Appendix A: High Cost Mortgage Worksheet11/20/2013Replaced4by Comptroller's Handbook -Truth in Lending Act
EH 131012/1999Restitution11/20/2013Replaced4by Comptroller's Handbook -Truth in Lending Act
EH 1310p04/2011Program11/20/2013Replaced4by Comptroller's Handbook -Truth in Lending Act
EH 1310aa12/1999Appendix A: Restitution Background11/20/2013Replaced4by Comptroller's Handbook -Truth in Lending Act
EH 1310ab12/1999Appendix B: Q&As Regarding Joint Interagency Statement of Policy For Administrative Enforcement of the Truth in Lending Act - Reimbursement Issued by the FFIEC on July 11, 1980 and Revised October 199811/20/2013Duplicative2of Comptroller's Handbook -Truth in Lending Act
EH 131512/1999OTS Mortgage Regulations03/05/2020Replaced4by Comptroller’s Handbook, “Truth in Lending Act”
EH 1315p04/2011Program03/05/2020Replaced4by Comptroller’s Handbook, “Truth in Lending Act”
EH 132012/2009Real Estate Settlement Procedures Act11/20/2013Replaced4by Comptroller's Handbook -Real Estate Settlement Procedures
EH 1320p04/2011Program11/20/2013Replaced4by Comptroller's Handbook -Real Estate Settlement Procedures
EH 1320q12/2009Questionnaire11/20/2013Replaced4by Comptroller's Handbook -Real Estate Settlement Procedures
EH 132301/2004Homeowners Protection Act11/20/2013Replaced4by Comptroller's Handbook -Other Consumer Protection Laws and Regulations
EH 1323p04/2011Program11/20/2013Replaced4by Comptroller's Handbook -Other Consumer Protection Laws and Regulations
EH 1323aa01/2004Appendix A: Guidance Regarding Timing and Required Contents of Disclosures and Notice11/20/2013Replaced4by Comptroller's Handbook -Other Consumer Protection Laws and Regulations
EH 132504/2009Consumer Leasing Act11/20/2013Replaced4by Comptroller's Handbook -Other Consumer Protection Laws and Regulations
EH 1325p04/2011Program11/20/2013Replaced4by Comptroller's Handbook -Other Consumer Protection Laws and Regulations
EH 1325q04/2009Questionnaire11/20/2013Replaced4by Comptroller's Handbook -Other Consumer Protection Laws and Regulations
EH 133012/2010Electronic Fund Transfer Act11/20/2013Replaced4by Comptroller's Handbook -Electronic Fund Transfer Act
EH 1330p04/2011Program11/20/2013Replaced4by Comptroller's Handbook -Electronic Fund Transfer Act
EH 1330q12/2010Questionnaire11/20/2013Replaced4by Comptroller's Handbook -Electronic Fund Transfer Act
EH 133512/1999Expedited Funds Availability Act11/20/2013Replaced4by Comptroller's Handbook -Depository Services
EH 1335p04/2011Program11/20/2013Replaced4by Comptroller's Handbook -Depository Services
EH 133602/2005Check 2111/20/2013Replaced4by Comptroller's Handbook -Depository Services
EH 1336p04/2011Program11/20/2013Replaced4by Comptroller's Handbook -Depository Services
EH 134012/1999Flood Disaster Protection Act11/20/2013Replaced4by Comptroller's Handbook -Flood Disaster Protection Act
EH 1340p04/2011Program11/20/2013Replaced4by Comptroller's Handbook -Flood Disaster Protection Act
EH 1340aa12/1999Appendix A: Interagency Questions and Answers Regarding Flood Insurance11/20/2013Duplicative2of Comptroller's Handbook -Flood Disaster Protection Act
EH 134512/1999Right to Financial Privacy Act11/20/2013Replaced4by Comptroller's Handbook -Other Consumer Protection Laws and Regulations
EH 1345p04/2011Program11/20/2013Replaced4by Comptroller's Handbook -Other Consumer Protection Laws and Regulations
EH 135012/1999Fair Debt Collection Practices Act11/20/2013Replaced4by Comptroller's Handbook -Other Consumer Protection Laws and Regulations
EH 1350p04/2011Program11/20/2013Replaced4by Comptroller's Handbook -Other Consumer Protection Laws and Regulations
EH 135405/2010Unfair or Deceptive Acts or Practices, Federal Trade Commission Act, Section 506/29/2020Replaced4by Comptroller's Handbook -Unfair or Deceptive Acts or Practices and Unfair, Deceptive, or Abusive Acts or Practices
EH 1354p03/2011Program06/29/2020Replaced4by Comptroller's Handbook -Unfair or Deceptive Acts or Practices and Unfair, Deceptive, or Abusive Acts or Practices
EH 1354q05/2010Questionnaire06/29/2020Replaced4by Comptroller's Handbook -Unfair or Deceptive Acts or Practices and Unfair, Deceptive, or Abusive Acts or Practices
EH 135505/2010Unfair or Deceptive Acts or Practices – Credit Practices Rule06/29/2020Replaced4by Comptroller's Handbook -Unfair or Deceptive Acts or Practices and Unfair, Deceptive, or Abusive Acts or Practices
EH 1355p04/2011Program06/29/2020Replaced4by Comptroller's Handbook -Unfair or Deceptive Acts or Practices and Unfair, Deceptive, or Abusive Acts or Practices
EH 135610/2008Military Service Member Protections11/20/2013Replaced4by Comptroller's Handbook -Other Consumer Protection Laws and Regulations
EH 1356p04/2011Program11/20/2013Replaced4by Comptroller's Handbook -Other Consumer Protection Laws and Regulations
EH 1356q10/2008Questionnaire11/20/2013Replaced4by Comptroller's Handbook -Other Consumer Protection Laws and Regulations
EH 135706/2009Servicemembers Civil Relief Act of 200311/20/2013Replaced4by Comptroller's Handbook - Comptroller's Handbook -Servicemembers Civil Relief Act
EH 1357p04/2011Program11/20/2013Replaced4by Comptroller's Handbook -Servicemembers Civil Relief Act
EH 1357q06/2009Questionnaire11/20/2013Replaced4by Comptroller's Handbook -Servicemembers Civil Relief Act
EH 136001/2004Homeownership Counseling Procedures11/20/2013Replaced4by Comptroller's Handbook -Homeownership Counseling Examination Procedures
EH 1360p04/2011Program11/20/2013Replaced4by Comptroller's Handbook -Homeownership Counseling Examination Procedures
EH 1360q01/2004Questionnaire11/20/2013Replaced4by Comptroller's Handbook -Homeownership Counseling Examination Procedures
EH 136509/2010Truth in Savings11/20/2013Replaced4by Comptroller's Handbook -Depository Services
EH 1365p04/2011Program11/20/2013Replaced4by Comptroller's Handbook -Depository Services
EH 1365q09/2010Questionnaire11/20/2013Replaced4by Comptroller's Handbook -Depository Services
EH 137003/2002Electronic Banking11/20/2013Replaced4by Comptroller's Handbook -Other Consumer Protection Laws and Regulations
EH 1370p04/2011Program11/20/2013Replaced4by Comptroller's Handbook -Other Consumer Protection Laws and Regulations
EH 1370q03/2002Questionnaire11/20/2013Replaced4by Comptroller's Handbook -Other Consumer Protection Laws and Regulations
EH 1370aa12/1999Appendix A: Interagency Guidance on Electronic Financial Services and Consumer Compliance11/20/2013Duplicative2ofOCC Bulletin 1998-31 - Interagency Guidance on Electronic Financial Services and Consumer Complianceand Comptroller's Handbook -Other Consumer Protection Laws and Regulations
EH 1370ab12/1999Appendix B: Policy statement on Privacy and Accuracy of Personal Customer Information11/20/2013Outdated1
EH 1370ac12/1999Appendix C: Interagency Pretext Phone Calling Memorandum11/20/2013Duplicative2ofOCC Advisory Letter 2001-4 - Identity Theft and Pretext Callingand Comptroller's Handbook -Other Consumer Protection Laws and Regulations
EH 1370ad03/2002Appendix D: Children's Online Privacy Protection Act11/20/2013Replaced4by Comptroller's Handbook -Other Consumer Protection Laws and Regulations
EH 137506/2001Privacy of Consumer Financial Information11/20/2013Replaced4by Comptroller's Handbook -Privacy of Consumer Financial Information
EH 1375p04/2011Program11/20/2013Replaced4by Comptroller's Handbook -Privacy of Consumer Financial Information
EH 1375q06/2001Questionnaire11/20/2013Replaced4by Comptroller's Handbook -Privacy of Consumer Financial Information
EH 1375aa06/2001Appendix A: Privacy Notice and Opt Out Decision Tree11/20/2013Replaced4by Comptroller's Handbook -Privacy of Consumer Financial Information
EH 138003/2002Insurance Consumer Protection
EH 1380p04/2011Program

The reason each document is rescinded is noted as one of the following:

1

Outdated – The document is no longer needed. Any attachments to the document are rescinded only as they relate to national banks and federal savings associations.

2

Duplicative – The document transmitted interagency guidance that was issued jointly with the OCC. The rescission applies to the transmitting document only and not the attached interagency guidance. Thrifts are directed to use the OCC-issued document.

3

Conveyance – The document is a cover letter that merely conveyed another document. The rescission does not change the applicability of the conveyed document. To determine the applicability of the conveyed document, please refer to the original issuer of the document.

4

Replaced – The document and any attachments are superseded by OCC guidance.