Examinación A Cooperativas

Chapter I 9
CONSUMER COMPLIANCE
TABLE OF CONTENTS CONSUMER COMPLIANCE ........................................................................................ 19. 1 Examination Objectives....................................................................................... 19-1 Risk Categories ....................................................................................................19. 1 Overview............................................................................................................. .l 9.1 Consumer Compliance Program .......................................................................... 19-2 Field Examiners ....................................................................................... 19.2 Compliance Subject Matter Examiners................................................... 19-2 Regional Compliance Analysts ................................................................ 19-3 19-4 Compliance Program Officer (EM) ......................................................... Examination Procedures ...................................................................................... 19.4 State Chartered Credit Unions................................................................. 19-5 Additional Information ........................................................................................ 19.5 APPENDIX 19A .Credit Practices Rule ........................................................................ . 1 A. 1 9 APPENDIX 19B . Equal Credit Opportunity Act .......................................................... .19B.1APPENDIX 19C . Home Mortgage Disclosure Act ........................................................ 19C-1 APPENDIX 19D - Expedited Funds Availability Act .................................................... 19D-1 . 1 E. 1 9 APPENDIX 19E - Children’s Online Privacy Protection Act ....................................... . 1 F. 1 9 APPENDIX 19F - Electronic Funds Transfer Act......................................................... G.l APPENDIX 19G - E-Sign Act ........................................................................................19 APPENDIX 19H - Fair Credit Reporting Act ................................................................ . 1 H. 1 9 APPENDIX 191- Fair Debt Collection Practices Act .................................................... .191-1 APPENDIX 19J - FairHousing Act ................................................................................ 195-1 APPENDIX 19K - Flood Disaster Protection Act ......................................................... . 1 K. 1 9 APPENDIX 19L - Homeowners Protection Act ............................................................. 191-1 APPENDIX 19M - Consumer LeasingAct.................................................................... . 1 M. 1 9 APPENDIX 19N - Privacy of Consumer Financial Information .................................... 19N-1 APPENDIX 1 9 0 - Real Estate Settlement Procedures Act ............................................ 190-1 APPENDIX 19P - Right To Financial Privacy .............................................................. . 1 P. 1 9 APPENDIX 19Q - Soldiers’ and Sailors’Civil Relief Act ............................................ .19Q.l APPENDIX 19R - Homeownership and Equity Protection Act .................................... . 1 R. 1 9 APPENDIX 19s - Truth In Lending Act ........................................................................ 195-1 APPENDIX 19T - Truth in Savings Act ......................................................................... 19T-1Chapter 19 CONSUMER COMPLIANCE
Examination Objectives
• • • Determine whether the credit union complies with consumer compliance regulations Determine whether the credit union protects its members from violations of their consumer rights Determine whether the credit union initiates corrective action if it becomes aware of consumer compliance violations

Risk Categories

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