Rescinded Advisory Letters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 2004-1	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 1999-3	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 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

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 FSAs.

² Replaced: The document and any attachments are superseded by subsequent guidance.

³ Incorporated: The document conveyed interagency guidance that was incorporated into a Comptroller's Handbook booklet.

⁴ Transmittal: 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.

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Rescinded Advisory Letters