Consumer Affairs Letters

Consumer Affairs letters address significant policy and procedural matters related to the Federal Reserve System’s consumer compliance supervisory responsibilities. The letters are sent to banking supervision staff at the Board and the Reserve Banks and, in some instances, to supervised banking organizations.

Consumer Affairs letters are numbered sequentially by year. For example, the first letter issued in 2005 is numbered CA 05-1. Letters that have been superseded or contain confidential supervisory information are not included.

Requests for letters that are not included here should be directed to the Board’s Freedom of Information Office.

Consumer compliance supervision and regulation policies are also addressed in the Federal Reserve Regulatory Service (FRRS).

2009

CA 09-13

Mortgage Loan Modifications and Regulation B's Adverse Action Requirement

CA 09-12

Short-Term Balloon Loans and Regulation Z Repayment Ability Requirement for Higher-Priced Mortgage Loans

CA 09-11

Revised RESPA Interagency Examination Procedures

CA 09-10

Revised Interagency Examination Procedures for the Home Mortgage Disclosure Act

CA 09-8

Consumer Compliance Supervision Policy for Nonbank Subsidiaries of Bank Holding Companies and Foreign Banking Organizations

CA 09-6

Revised FFIEC Fair Lending Examination Procedures and Use of Specialized Examination Techniques

CA 09-5

Information and Examination Procedures for the “Protecting Tenants at Foreclosure Act of 2009”

CA 09-3

Interagency Questions and Answers Regarding Flood Insurance

CA 09-1

Revised Standard Flood Hazard Determination Form

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