Other Retail Products
Retail guidance related to other retail products, such as overdrafts, reverse mortgages, payday lending, and more.
Popular Links
Shared National Credit (SNC) Report
Survey of Credit Underwriting Practices
Quarterly Report on Bank Trading and Derivatives Activities
Detecting Red Flags in Board Reports: A Guide for Directors
References
Automated Clearing House Activities: Risk Management Guidance (OCC 2006-39, September 2006)
Outlines the key components of an automated clearing house risk management program that reflects the complexity of a bank’s activities
Consumer Tips for Avoiding Mortgage Modification Scams and Foreclosure Rescue Scams (CA 2009-1, April 2009), News Release
Outlines common scams and provides consumer guidelines for appropriate actions
Debt Cancellation Contracts and Debt Suspension Agreements (OCC 2002-40, October 2002), Final Rule (Federal Register, September 19, 2002)
Establishes standards governing debt cancellation contracts and debt suspension agreements subject to appropriate consumer protections
Electronic Fund Transfers (12 CFR Part 205 Overdrafts) (Federal Register, November 17, 2009)
Covers the rule limiting the ability of a financial institution to assess overdraft fees unless consumers affirmatively consent
Overdraft Protection Programs (OCC 2005-9, April 2005), Final Guidance (Federal Register, February 24, 2005)
Identifies concerns about the marketing, disclosure, and implementation of overdraft protection programs
Payday Lending (AL 2000-10, November 2000)
Covers the safety and soundness, compliance, consumer protection, and other risks to banks offering payday lending
Payment Processors: Risk Management Guidance (OCC 2008-12, April 2008)
Provides guidance for due diligence, underwriting, and monitoring of entities that process payments for telemarketers and other merchant clients
Title Loan Programs (AL 2000-11, November 2000)
Alerts national banks to the significant risks associated with title lending and to OCC's intention to examine carefully title-lending activities
Popular Links
Shared National Credit (SNC) Report
Survey of Credit Underwriting Practices
Quarterly Report on Bank Trading and Derivatives Activities
Detecting Red Flags in Board Reports: A Guide for Directors