Telephone Consumer Protection Act Examination Procedures (Interagency)

Series:Consumer Compliance

OCC Bulletin 2023-35, Telephone Consumer Protection Act: Revised Interagency Examination Procedures and Rescissions

Overview

This booklet is prepared for use by OCC examiners in connection with their examination and supervision of banks' telephone marketing calls and telemarketing practices.

This booklet contains revised interagency examination procedures that address provisions governing how customers can revoke consent under the Telephone Consumer Protection Act (TCPA); special exemptions from the customer consent provisions of the TCPA for banks using automated communications to notify customers of potential account fraud; and safe harbors for callers that check a reassigned number database maintained by the Federal Communications Commission.

Applicability

The interagency examination procedures apply to the OCC's supervision of national banks and federal savings associations.

References to banks in this booklet also generally apply to federal branches and agencies of foreign banking organizations. Refer to 12 USC 3102(b) and the "Federal Branches and Agencies Supervision" booklet of the Comptroller's Handbook for more information.