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To: Chief Executive Officers and Compliance Officers of National Banks, Federal Savings Associations, Federal Branches and Agencies, Department and Division Heads, All Examining Personnel, and Other Interested Parties

Description: Interagency Examination Procedures for Consumer Compliance


The Office of the Comptroller of the Currency (OCC), as a member of the Federal Financial Institutions Examination Council, has adopted the attached interagency examination procedures reflecting new mortgage rules requirements pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act. The OCC is in the process of incorporating these new procedures into the Comptroller’s Handbook “Consumer Compliance” series. Until the OCC issues updated Handbook booklets for the Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA), the approved interagency procedures are posted on the OCC Web site. 


  • Examiners use the interagency procedures to assess an institution’s compliance with the new mortgage rules.
  • The mortgage rules procedures were developed and adopted on an interagency basis to promote consistency in the examination process and communication of supervisory expectations.

Note for Community Banks

These examination procedures apply to all national banks and federal savings associations that offer consumer credit products covered by TILA and RESPA.

Further Information

Please contact your supervisory office or Compliance Policy at (202) 649-5470.


Grovetta N. Gardineer
Deputy Comptroller for Compliance Policy

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