Rescinded Office of Thrift Supervision (OTS) Regulatory Bulletins*

See active OTS regulatory bulletins

Number	Issue Date	Title	Rescinded Date	Comment
RB 38-4	07/01/2010	Trust and Asset Management - Exam Administration	01/06/2012	Conveyance³
RB 38-3	05/20/2010	Individual Retirement Accounts	01/06/2012	Conveyance³
RB 38-2	02/25/2010	Pre-Need Funeral and Cemetery Trusts	01/06/2012	Conveyance³
RB 38-1	01/26/2010	Document Custody	01/06/2012	Conveyance³
RB 37a	10/30/2006	Examination Handbook	01/06/2012	Conveyance³
RB 37-70	05/02/2011	Truth in Lending Act	01/06/2012	Conveyance³
RB 37-69	02/10/2011	One- to Four-Family Residential Real Estate Lending	01/06/2012	Conveyance³
RB 37-68	02/10/2011	Exam Scheduling, Scoping, and Management	01/06/2012	Conveyance³
RB 37-67	01/04/2011	Fair Credit Reporting Act - Risk-based Pricing Notices	01/06/2012	Conveyance³
RB 37-66	12/29/2010	Real Estate Owned and Repossessed Assets	01/06/2012	Conveyance³
RB 37-65	12/14/2010	Electronic Fund Transfer Act	01/06/2012	Conveyance³
RB 37-64	11/05/2010	Sampling	01/06/2012	Conveyance³
RB 37-63	10/04/2010	Truth in Lending	01/06/2012	Conveyance³
RB 37-62	09/21/2010	Capital Adequacy	01/06/2012	Conveyance³
RB 37-61	09/14/2010	Truth in Savings	01/06/2012	Conveyance³
RB 37-60	08/31/2010	Fair Credit Reporting Act - Financial Institutions as Furnishers of Information	01/04/2011	Rescinded by RB 37-67
RB 37-59	07/13/2010	Truth in Lending	10/04/2010	Rescinded by RB 37-63
RB 37-58	07/01/2010	Classification of Assets	01/06/2012	Conveyance³
RB 37-57	06/22/2010	Electronic Fund Transfer Act	12/14/2010	Rescinded by RB 37-65
RB 37-56	06/22/2010	Reserve Requirements and Interest on Deposits	01/06/2012	Conveyance³
RB 37-55	05/20/2010	Unlawful Internet Gambling Act of 2006	01/06/2012	Conveyance³
RB 37-54	05/18/2010	Fraud and Insider Abuse	01/06/2012	Conveyance³
RB 37-53	05/07/2010	Unfair or Deceptive Acts or Practices - FTC Act	01/06/2012	Conveyance³
RB 37-52	04/02/2010	Truth in Lending	10/04/2010	Rescinded by RB 37-63
RB 37-51	01/15/2010	Liquidity Risk Management and Investment Securities	01/06/2012	Conveyance³
RB 37-50	12/18/2009	Truth in Savings Act	09/14/2010	Rescinded by RB 37-61
RB 37-49	12/16/2009	Real Estate Settlement Procedures Act	01/06/2012	Conveyance³
RB 37-48	11/03/2009	Truth in Lending	01/06/2012	Conveyance³
RB 37-47	10/27/2009	Internal Control	01/06/2012	Conveyance³
RB 37-46	10/15/2009	Home Mortgage Disclosure Act	01/06/2012	Conveyance³
RB 37-45	10/14/2009	Other Commercial Lending	01/06/2012	Conveyance³
RB 37-44	09/29/2009	Truth in Lending	04/02/2010	Rescinded by RB 37-52
RB 37-43	09/16/2009	New Activities and Services	01/06/2012	Conveyance³
RB 37-42	09/02/2009	RE Settlement Procedures Act	01/06/2012	Conveyance³
RB 37-41	08/28/2009	Fair Lending Examination Procedures	01/06/2012	Conveyance³
RB 37-40	08/28/2009	Truth-in-Lending Act	01/06/2012	Conveyance³
RB 37-39	06/11/2009	Classification of Assets	07/01/2010	Rescinded by RB 37-58
RB 37-38	06/04/2009	Servicemembers Civil Relief Act	01/06/2012	Conveyance³
RB 37-37	05/05/2009	Electronic Fund Transfer Act	06/22/2010	Rescinded by RB 37-57
RB 37-36	04/29/2009	Truth in Lending and Consumer Leasing Act	01/06/2012	Conveyance³
RB 37-35	04/16/2009	Conduct of Agency Personnel	01/06/2012	Conveyance³
RB 37-34	04/02/2009	Truth in Savings, Regulation DD	12/18/2009	Rescinded by RB 37-50
RB 37-33	03/26/2009	Reserve Requirements (Regulation D)	06/22/2010	Rescinded by RB 37-56
RB 37-32	02/27/2009	Examination Scheduling, Scoping, and Management	02/2010/11	Rescinded by RB 37-68
RB 37-31	01/22/2009	Corporate Governance and Oversight by the Board of Directors	01/06/2012	Conveyance³
RB 37-30	01/22/2009	Income Property Lending	01/06/2012	Conveyance³
RB 37-29	11/24/2008	Equal Credit Opportunity	01/06/2012	Conveyance³
RB 37-28	11/13/2008	Mortgage Banking	01/06/2012	Conveyance³
RB 37-27	10/24/2008	Information Technology Risks and Controls and Fair Credit Reporting Act	10/24/2008	Conveyance³
RB 37-26	10/08/2008	Consumer Credit Extended to Service Members and Dependents	01/06/2012	Conveyance³
RB 37-25	10/03/2008	Fair Credit Reporting Act Affiliate Marketing Regulation	08/31/2010	Rescinded by RB 37-60
RB 37-24	09/17/2008	One-to Four-Family Residential Real Estate Lending	01/06/2012	Conveyance³
RB 37-23	07/18/2008	Enforcement Actions	01/06/2012	Conveyance³
RB 37-22	05/07/2008	Fair Credit Reporting Act, Controlling the Assault of Non-Solicited Pornography and Marketing Act, Telephone Consumer Protection Act, and Junk Fax Prevention Act	08/31/2010	Rescinded by RB 37-60
RB 37-21	12/13/2007	Loans to One Borrower	01/06/2012	Conveyance³
RB 37-20	07/31/2007	Mortgage Banking	11/13/2008	Rescinded by RB 37-28
RB 37-19	07/02/2007	Community Reinvestment Act Examination Handbook	01/06/2012	Conveyance³
RB 37-18	03/21/2007	One- to Four-Family Residential Real Estate Lending	02/2010/11	Rescinded by RB 37-69
RB 37-17	03/08/2007	Interagency Fair Lending Examination Procedures	08/28/2009	Rescinded by RB 37-41
RB 37-16	05/08/2006	Credit Card Lending	01/06/2012	Conveyance³
RB 37-15	04/20/2006	Information Technology Risks and Controls	10/24/2008	Rescinded by RB 37-27
RB 37-14	03/13/2006	Examination Systems	02/2010/11	Rescinded by RB 37-68
RB 37-13	02/23/2006	Fair Credit Reporting Act, Controlling the Assault of Non-Solicited Pornography and Marketing Act, and Telephone Consumer Protection Act	05/07/2008	Rescinded by RB 37-22
RB 37-12	02/23/2006	Transactions with Affiliates and Insiders	01/06/2012	Conveyance³
RB 37-11	06/16/2005	Lending Operations and Portfolio Risk Management, LTOB, 1-4 Family Mortgage	01/06/2012	Conveyance³
RB 37-10	02/18/2005	Check 21	01/06/2012	Conveyance³
RB 37-9	02/18/2005	Home Mortgage Disclosure Act	10/15/2009	Rescinded by RB 37-46
RB 37-8	11/30/2004	Compliance Oversight Examination Program	01/06/2012	Conveyance³
RB 37-7	11/30/2004	Financial Records and Reports	01/06/2012	Conveyance³
RB 37-6	11/30/2004	Management Assessment	01/06/2012	Conveyance³
RB 37-5	11/30/2004	Oversight by the Board of Directors	01/25/2009	Rescinded by RB 37-31
RB 37-4	11/30/2004	Ratings: Developing, Assigning, and Presenting	02/2010/11	Rescinded by RB 37-68
RB 37-3	11/30/2004	Examination Scheduling, Scoping, and Management	02/28/2009	Rescinded by RB 37-31
RB 37-2	11/30/2004	Examination Systems	03/13/2006	Rescinded by RB 37-14
RB 37-1	11/30/2004	Handbook and Program Use	01/06/2012	Conveyance³
RB 37	11/30/2004	Examination Handbook	10/30/2006	Rescinded by RB 37a
RB 36-1	01/29/2004	Compliance Activities Handbook Update	11/20/2013	Outdated¹
RB 34	06/08/2001	Examiner Guidance on Wholesale Borrowings	05/17/2012	Replaced⁴ by Comptroller's Handbook - Liquidity
RB 33	08/31/1995	New FDIC "Pass-through" Deposit Insurance Coverage Disclosure Rule	03/13/1996	Rescinded by RB 33a
RB 32-34	01/07/2004	Networking Arrangements	01/06/2012	Conveyance³
RB 32-33	12/18/2003	Capital Stock and Ownership	01/06/2012	Conveyance³
RB 32-32	12/02/2003	Liquidity Management	01/15/2010	Rescinded by RB 37-51
RB 32-31	11/20/2003	Capital Adequacy	09/21/2010	Rescinded by RB 37-62
RB 32-30	09/23/2003	Asset-Backed Securitizations	01/06/2012	Conveyance³
RB 32-29	08/05/2003	Operations Analysis	01/06/2012	Conveyance³
RB 32-28	06/06/2003	Enforcement Actions	07/18/2008	Rescinded by RB 37-23
RB 32-27	03/14/2003	Conduct of Agency Personnel	04/16/2009	Rescinded by RB 37-35
RB 32-26	07/31/2002	Other Assets and Liabilities	01/06/2012	Conveyance³
RB 32-25	07/25/2002	External Audit	01/06/2012	Conveyance³
RB 32-24	06/19/2002	QTL, Financial Records and Reports, Present Value Analysis	01/06/2012	Conveyance³
RB 32-23	02/13/2002	Internal Control, External Audit, Internal Audit, Fraud and Insider Abuse	01/06/2012	Conveyance³
RB 32-22	01/07/2002	Overall Conclusions, TDR's, Meetings with the BOD	01/06/2012	Conveyance³
RB 32-21	01/07/2002	Technology Risk Controls	04/20/2006	Rescinded by RB 37-15
RB 32-20	11/26/2001	Regulatory Profile	11/30/2004	Rescinded by RB 37-2
RB 32-19	11/01/2001	Capital Stock/ Ownership, Operations Analysis	08/05/2003 and 12/18/2003	Rescinded by RB 32-29 and RB 32-33
RB 32-18	04/12/2001	Funds Management, Investment Securities, and Derivative Instruments and Hedging	01/06/2012	Conveyance³
RB 32-17	01/14/2000	Consumer Lending	01/06/2012	Conveyance³
RB 32-16	12/30/1999	Appendix A, Corporate-Owned Life Insurance (Other Assets/ Liabilities	07/31/2002	Rescinded by RB 32-26
RB 32-15	11/18/1999	Capital Stock and Ownership, Cash Flow and Liquidity, Interest Rate Risk Management	01/06/2012	Conveyance³
RB 32-14	07/12/1999	Conduct of Agency Personnel	03/14/2003	Rescinded by RB 32-27
RB 32-13	06/28/1999	RADS, Leasing Activities, Equity Investments	01/06/2012	Conveyance³
RB 32-12	06/18/1999	Oversight by the BOD, Management Assessment, TWA	11/30/2004 and 02/23/2006	Rescinded by RB 37-5, RB 37-6, and RB 37-12
RB 32-11	04/19/1999	Other Assets and Liabilities, REO and Other Repossessed Assets, Fixed Assets	01/06/2012	Conveyance³
RB 32-10	03/17/1999	Exam Strategy, CAMELS Ratings, Margin Securities	01/06/2012	Conveyance³
RB 32-9	01/28/1999	QTL	06/19/2002	Rescinded by RB 32-24
RB 32-8	09/18/1998	EDS ROE, Reg Plan, TDRs, Fraud and Insider Abuse, Fin Records, Reports, Operations Analysis, Deposits, Borrowed Funds	01/06/2012	Conveyance³
RB 32-7	05/28/1998	Handbook Use, Program Use, Conduct of Agency Personnel, Overall Conclusions, Margin Securities, Meetings with BOD	01/06/2012	Conveyance³
RB 32-6	10/15/1997	Information Technology	01/07/2002	Rescinded by RB 32-21
RB 32-5	12/23/1996	Qualified Thrift Lender Test	01/28/1999	Rescinded by RB 32-9
RB 32-4 App.	05/07/1993	Appendices: A - SEC Policy Bank Mutual Fund Names; B - SEC Policy Networking Arrangements; C - Questions/ Answers Non-deposit Investment Products	01/07/2004	Rescinded by RB 32-34
RB 32-4	04/25/1996	Non-deposit Investment Sales	01/07/2004	Rescinded by RB 32-34
RB 32-3	09/25/1995	Sampling	11/05/2010	Rescinded by RB 37-64
RB 32-2	08/22/1995	Examination Strategy; PERK; and Work Paper Documentation	03/17/1999	Rescinded by RB 32-10 and PERK revisions
RB 32-1	08/16/1995	Independent Audits of Thrift Institutions	02/13/2002	Rescinded by RB 32-23
RB 32	12/29/1994	Valuation and Classification of Troubled, Collateral-Dependent Loans	12/29/1994	Incorporated into Thrift Activities 260
RB 31	08/26/1993	Classification of Assets	01/13/1995	Incorporated into Thrift Activities 260
RB 30	01/25/1993	Guidance on the Use of Salvage Powers to Exceed Loans to One Borrower Limitations	01/13/1995	Incorporated into Thrift Activities 211
RB 29	11/23/1992	Conclusive Presumption of Worthlessness of Debts Held by Savings Associations	08/26/1993	Incorporated into Thrift Activities 260
RB 27b	06/13/2001	Compensation	01/25/2009	Rescinded by RB 37-31
RB 27a	03/05/1993	Executive Compensation	04/18/2001	Incorporated into Thrift Activities 310
RB 27	11/08/1991	Executive Compensation	01/13/1995	Rescinded by RB 27a
RB 26	04/26/1991	Capital Requirements Recourse Arrangements (Interim)	11/29/2001	Rescinded by the Interagency Rule on Capital Treatment of Recourse, Direct Credit Substitutes and Residual Interests in Asset Securitizations
RB 25	02/18/1990	Guidelines for Implementation and Use of the Regulatory Handbook Series	01/13/1995	Rescinded by current guidance addressed in the Administration chapters of the Thrift Activities and Holding Company Handbooks
RB 24	02/08/1990	Guidelines for Approval of Higher Loans-to-One-Borrower Limits	10/21/1991	Incorporated into Thrift Activities 211
RB 23	02/01/1990	Prohibition on Brokered Deposits Held at Undercapitalized Thrifts	10/21/1991	Incorporated into Thrift Activities 460 (560 1/1994)
RB 22	12/06/1989	Transfers of Below Investment/ Noninvestment Grade Corporate Securities in Exchange for Qualified Notes	01/13/1995	Compliance mandatory by 7/1/1994
RB 21	11/28/1989	Servicing Contacts	01/13/1995	Incorporated into Thrift Activities 340
RB 20	11/20/1989	Proper Investigation of Applicants and Increased Communications Between the OTS and Other Financial Institution Regulatory Agencies	06/01/2001	Rescinded by RB 20a
RB 19	10/13/1989	Guidelines for Supervisory Objection to Inclusion of Subordinated Debt as Regulatory Capital	04/18/2001	Obsolete
RB 18-6	03/31/2004	Supplemental Guidance on the Bank Secrecy Act and Anti-Money Laundering Programs	11/20/2013	Replaced⁴ by OCC Bulletin 2007-36
RB 18-5	07/17/1990	Enforcement Policy Statement on the Confidentiality of Administrative Proceedings	10/21/1991	Incorporated into Thrift Activities 150 (370 1/1994)
RB 18-4	06/13/1990	Enforcement Policy Statement on Use of Formal Examination and Investigation Authority	04/18/1994	Rescinded by RB 18-1b
RB 18-3b	12/03/2009	Enforcement Policy Statement on Civil Money Penalties	02/26/2016	Rescinded by PPM 5000-7 (REV)
RB 18-3a	07/30/1993	Enforcement Policy Statement on Civil Money Penalties	12/03/2009	Rescinded by RB 18-3b
RB 18-3	06/13/1990	Enforcement Policy Statement on Civil Money Penalties	07/30/1993	Rescinded by RB 18-3a
RB 18-2	09/27/1989	ERC Policy Statement on Pursuing Administrative Prohibition Actions vs. "Former" S&L Officials	04/18/1994	Rescinded by RB 18-1b
RB 18-1b	04/18/1994	General Enforcement Policy	06/06/2003	Rescinded by RB 32-28
RB 18-1a	06/13/1990	General Enforcement Policy	04/18/1994	Rescinded by RB 18-1b
RB 18-1	09/27/1989	General Enforcement Policy	06/13/1990	Rescinded by RB 18-1a
RB 18	09/27/1989	Issuance of Enforcement Policies	01/06/2012	Replaced⁴ by OCC Bulletin 2011-37
RB 17	09/14/1989	Recent Truth in Lending Amendments and Supplemental Examination Procedures	10/21/1991	Incorporated into Compliance Activities 305
RB 16	09/11/1989	Timely and Accurate HMDA Statements	04/18/2001	Incorporated into Compliance Activities 215
RB 15	07/24/1989	Covered Asset Sales	04/18/2001	Incorporated into Thrift Activities 310
RB 14	07/19/1989	Delegation to Principal Supervisory Agents ("PSA's") to Grant or Withhold Approval of Management Interlocks	10/21/1991	Rescinded by Delegation Sections 563f.7 and 584.9
RB 13	06/27/1989	Guidelines for Establishing a Fraud and Insider Abuse Program	01/13/1995	Incorporated into Thrift Activities 360
RB 12	04/28/1989	Sale of Branch Offices to FDIC-Insured Institutions	10/21/1991	No Longer Applicable
RB 11	03/06/1989	Protest and Oral Argument Procedures	12/04/1997	Incorporated into Application Processing Guidelines, 12 CFR Part 516
RB 10	01/01/1989	Exclusion of Holding Company Information from Thrift Reports of Examination	01/13/1995	Rescinded by ROE Instructions
RB 9	12/27/1988	Purpose and Use of Compliance: A Self-Assessment Guide	12/19/2002	Rescinded by CEO 171 and the revised Compliance Self-Assessment Guide
RB 8	12/13/1988	Guidelines for Referral of Bank Secrecy Act Violations for Civil or Criminal Penalties	01/13/1995	Incorporated into Compliance Activities 400
RB 7	12/13/1988	Quarterly Statistical Compliance Report for the Bank Secrecy Act	09/30/1996	Rescinded by Section 2226 of the Economic Growth and Regulatory Paper Reduction Act
RB 6	12/12/1988	Adequacy of Valuation Allowances	05/04/1990	Incorporated into Thrift Activities 261
RB 5	11/30/1988	Wavier of Service Corporation Reporting Requirements	05/04/1990	Pursuant to FIRREA
RB 4a	09/20/1993	Supervisory Review Process	07/15/1996	Rescinded by TB 68
RB 4	11/30/1988	Informal Review Process	09/20/1993	Rescinded by RB 4a
RB 3a-1	01/09/1990	Policy Statement on Growth for Savings Associates	11/26/1996	Rescinded by RB 3b
RB 3a	09/07/1988	Policy Statement on Growth for Insured Institutions	01/09/1990	Rescinded by RB 3a-1
RB 3	10/11/1985	Policy on Growth for Insured Institutions	09/07/1988	Rescinded by RB 3a
RB 2-1	11/23/1988	Acceptance of Exchange Offer for New FHLMC Preferred Stock	10/21/1991	Rescinded by Timeframe Elapse
RB 2	08/18/1988	Guidelines for Approving the Purchase or Sale of FHLMC Preferred Stock	01/13/1995	Rescinded by Applications Restructuring Regulations
RB 1-3	05/04/1990	Rescission of Memoranda and Bulletins	10/21/1991	Rescinded by RB 1-1a
RB 1-2	12/06/1989	Rescission of Obsolete Savings Account T Memoranda	10/21/1991	Rescinded by RB 1-1a
RB 1-1c Errata	07/02/2001	Rescission of Bulletins and Memoranda	05/17/2012	Outdated¹
RB 1-1c	04/18/2001	Rescission of Bulletins and Memoranda	05/17/2012	Outdated¹
RB 1-1b	01/13/1995	Rescission of Memoranda and Bulletins	04/18/2001	Rescinded by RB 1-1c
RB 1-1a	10/21/1991	Rescission of Memoranda and Bulletins	01/13/1995	Rescinded by RB 1-1b
RB 1-1	09/06/1989	Rescission of Outstanding Memoranda	10/21/1991	Rescinded by RB 1-1a
RB 1	07/29/1988	Regulatory Bulletin Series - Introduction to Regulatory Bulletins	05/17/2012	Outdated¹

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.

* The following Regulatory Bulletins related to savings and loan holding companies (SLHC) were active as of July 21, 2011. The OCC does not supervise SHLCs; please consult the Federal Reserve Board for guidance in this area:

RB 35 – Large and Complex Enterprises, and
RB 35-01 – Holding Companies Handbook Update.

News & Events

Rescinded Office of Thrift Supervision (OTS) Regulatory Bulletins*