OTS Examination Handbook: Consumer Affairs Laws and Regulations

Number	Issue Date	Title	Rescinded Date	Comment
EH 1300	12/2010	Fair Credit Reporting Act, Controlling the Assault of Non-Solicited Pornography and Marketing Act, and Telephone Consumer Protection Act		Sections titled "Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003" and "Telephone Consumer Protection Act and Junk Fax Prevention Act" from pages 1300P.65-73 are replaced by Comptroller's Handbook – Other Consumer Protection Laws and Regulations as of 11/20/2013.
EH 1300p	04/2011	Program		Sections titled "Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003" and "Telephone Consumer Protection Act and Junk Fax Prevention Act" from pages 1300.37-49 are replaced by Comptroller's Handbook – Other Consumer Protection Laws and Regulations as of 11/20/2013.
EH 1300aa	12/2010	Appendix A: FCRA Statutory and Regulatory Matrix
EH 1305	05/2011	Truth in Lending Act	11/20/2013	Replaced⁴ by Comptroller's Handbook - Truth in Lending Act
EH 1305p	04/2011	Program	11/20/2013	Replaced⁴ by Comptroller's Handbook - Truth in Lending Act
EH 1305aa	05/2011	Appendix A: High Cost Mortgage Worksheet	11/20/2013	Replaced⁴ by Comptroller's Handbook - Truth in Lending Act
EH 1310	12/1999	Restitution	11/20/2013	Replaced⁴ by Comptroller's Handbook - Truth in Lending Act
EH 1310p	04/2011	Program	11/20/2013	Replaced⁴ by Comptroller's Handbook - Truth in Lending Act
EH 1310aa	12/1999	Appendix A: Restitution Background	11/20/2013	Replaced⁴ by Comptroller's Handbook - Truth in Lending Act
EH 1310ab	12/1999	Appendix B: Q&As Regarding Joint Interagency Statement of Policy For Administrative Enforcement of the Truth in Lending Act - Reimbursement Issued by the FFIEC on July 11, 1980 and Revised October 1998	11/20/2013	Duplicative² of Comptroller's Handbook - Truth in Lending Act
EH 1315	12/1999	OTS Mortgage Regulations	03/05/2020	Replaced⁴ by Comptroller’s Handbook, “Truth in Lending Act”
EH 1315p	04/2011	Program	03/05/2020	Replaced⁴ by Comptroller’s Handbook, “Truth in Lending Act”
EH 1320	12/2009	Real Estate Settlement Procedures Act	11/20/2013	Replaced⁴ by Comptroller's Handbook - Real Estate Settlement Procedures
EH 1320p	04/2011	Program	11/20/2013	Replaced⁴ by Comptroller's Handbook - Real Estate Settlement Procedures
EH 1320q	12/2009	Questionnaire	11/20/2013	Replaced⁴ by Comptroller's Handbook - Real Estate Settlement Procedures
EH 1323	01/2004	Homeowners Protection Act	11/20/2013	Replaced⁴ by Comptroller's Handbook - Other Consumer Protection Laws and Regulations
EH 1323p	04/2011	Program	11/20/2013	Replaced⁴ by Comptroller's Handbook - Other Consumer Protection Laws and Regulations
EH 1323aa	01/2004	Appendix A: Guidance Regarding Timing and Required Contents of Disclosures and Notice	11/20/2013	Replaced⁴ by Comptroller's Handbook - Other Consumer Protection Laws and Regulations
EH 1325	04/2009	Consumer Leasing Act	11/20/2013	Replaced⁴ by Comptroller's Handbook - Other Consumer Protection Laws and Regulations
EH 1325p	04/2011	Program	11/20/2013	Replaced⁴ by Comptroller's Handbook - Other Consumer Protection Laws and Regulations
EH 1325q	04/2009	Questionnaire	11/20/2013	Replaced⁴ by Comptroller's Handbook - Other Consumer Protection Laws and Regulations
EH 1330	12/2010	Electronic Fund Transfer Act	11/20/2013	Replaced⁴ by Comptroller's Handbook - Electronic Fund Transfer Act
EH 1330p	04/2011	Program	11/20/2013	Replaced⁴ by Comptroller's Handbook - Electronic Fund Transfer Act
EH 1330q	12/2010	Questionnaire	11/20/2013	Replaced⁴ by Comptroller's Handbook - Electronic Fund Transfer Act
EH 1335	12/1999	Expedited Funds Availability Act	11/20/2013	Replaced⁴ by Comptroller's Handbook - Depository Services
EH 1335p	04/2011	Program	11/20/2013	Replaced⁴ by Comptroller's Handbook - Depository Services
EH 1336	02/2005	Check 21	11/20/2013	Replaced⁴ by Comptroller's Handbook - Depository Services
EH 1336p	04/2011	Program	11/20/2013	Replaced⁴ by Comptroller's Handbook - Depository Services
EH 1340	12/1999	Flood Disaster Protection Act	11/20/2013	Replaced⁴ by Comptroller's Handbook - Flood Disaster Protection Act
EH 1340p	04/2011	Program	11/20/2013	Replaced⁴ by Comptroller's Handbook - Flood Disaster Protection Act
EH 1340aa	12/1999	Appendix A: Interagency Questions and Answers Regarding Flood Insurance	11/20/2013	Duplicative² of Comptroller's Handbook - Flood Disaster Protection Act
EH 1345	12/1999	Right to Financial Privacy Act	11/20/2013	Replaced⁴ by Comptroller's Handbook - Other Consumer Protection Laws and Regulations
EH 1345p	04/2011	Program	11/20/2013	Replaced⁴ by Comptroller's Handbook - Other Consumer Protection Laws and Regulations
EH 1350	12/1999	Fair Debt Collection Practices Act	11/20/2013	Replaced⁴ by Comptroller's Handbook - Other Consumer Protection Laws and Regulations
EH 1350p	04/2011	Program	11/20/2013	Replaced⁴ by Comptroller's Handbook - Other Consumer Protection Laws and Regulations
EH 1354	05/2010	Unfair or Deceptive Acts or Practices, Federal Trade Commission Act, Section 5
EH 1354p	03/2011	Program
EH 1354q	05/2010	Questionnaire
EH 1355	05/2010	Unfair or Deceptive Acts or Practices – Credit Practices Rule
EH 1355p	04/2011	Program
EH 1356	10/2008	Military Service Member Protections	11/20/2013	Replaced⁴ by Comptroller's Handbook - Other Consumer Protection Laws and Regulations
EH 1356p	04/2011	Program	11/20/2013	Replaced⁴ by Comptroller's Handbook - Other Consumer Protection Laws and Regulations
EH 1356q	10/2008	Questionnaire	11/20/2013	Replaced⁴ by Comptroller's Handbook - Other Consumer Protection Laws and Regulations
EH 1357	06/2009	Servicemembers Civil Relief Act of 2003	11/20/2013	Replaced⁴ by Comptroller's Handbook - Comptroller's Handbook - Servicemembers Civil Relief Act
EH 1357p	04/2011	Program	11/20/2013	Replaced⁴ by Comptroller's Handbook - Servicemembers Civil Relief Act
EH 1357q	06/2009	Questionnaire	11/20/2013	Replaced⁴ by Comptroller's Handbook - Servicemembers Civil Relief Act
EH 1360	01/2004	Homeownership Counseling Procedures	11/20/2013	Replaced⁴ by Comptroller's Handbook - Homeownership Counseling Examination Procedures
EH 1360p	04/2011	Program	11/20/2013	Replaced⁴ by Comptroller's Handbook - Homeownership Counseling Examination Procedures
EH 1360q	01/2004	Questionnaire	11/20/2013	Replaced⁴ by Comptroller's Handbook - Homeownership Counseling Examination Procedures
EH 1365	09/2010	Truth in Savings	11/20/2013	Replaced⁴ by Comptroller's Handbook - Depository Services
EH 1365p	04/2011	Program	11/20/2013	Replaced⁴ by Comptroller's Handbook - Depository Services
EH 1365q	09/2010	Questionnaire	11/20/2013	Replaced⁴ by Comptroller's Handbook - Depository Services
EH 1370	03/2002	Electronic Banking	11/20/2013	Replaced⁴ by Comptroller's Handbook - Other Consumer Protection Laws and Regulations
EH 1370p	04/2011	Program	11/20/2013	Replaced⁴ by Comptroller's Handbook - Other Consumer Protection Laws and Regulations
EH 1370q	03/2002	Questionnaire	11/20/2013	Replaced⁴ by Comptroller's Handbook - Other Consumer Protection Laws and Regulations
EH 1370aa	12/1999	Appendix A: Interagency Guidance on Electronic Financial Services and Consumer Compliance	11/20/2013	Duplicative² of OCC Bulletin 1998-31 - Interagency Guidance on Electronic Financial Services and Consumer Compliance and Comptroller's Handbook - Other Consumer Protection Laws and Regulations
EH 1370ab	12/1999	Appendix B: Policy statement on Privacy and Accuracy of Personal Customer Information	11/20/2013	Outdated¹
EH 1370ac	12/1999	Appendix C: Interagency Pretext Phone Calling Memorandum	11/20/2013	Duplicative² of OCC Advisory Letter 2001-4 - Identity Theft and Pretext Calling and Comptroller's Handbook - Other Consumer Protection Laws and Regulations
EH 1370ad	03/2002	Appendix D: Children's Online Privacy Protection Act	11/20/2013	Replaced⁴ by Comptroller's Handbook - Other Consumer Protection Laws and Regulations
EH 1375	06/2001	Privacy of Consumer Financial Information	11/20/2013	Replaced⁴ by Comptroller's Handbook - Privacy of Consumer Financial Information
EH 1375p	04/2011	Program	11/20/2013	Replaced⁴ by Comptroller's Handbook - Privacy of Consumer Financial Information
EH 1375q	06/2001	Questionnaire	11/20/2013	Replaced⁴ by Comptroller's Handbook - Privacy of Consumer Financial Information
EH 1375aa	06/2001	Appendix A: Privacy Notice and Opt Out Decision Tree	11/20/2013	Replaced⁴ by Comptroller's Handbook - Privacy of Consumer Financial Information
EH 1380	03/2002	Insurance Consumer Protection
EH 1380p	04/2011	Program

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.