Bankers' Resources

IBAT's latest published resources.

• FinCEN Guidance: "Currency Transaction Report Aggregation for Business with Common Ownership (2012)"
• Notice to Customers: A CTR Reference Guide - English
• Notice to Customers: A CTR Reference Guide - Spanish
• FinCEN Guidance on Preparing a Complete and Sufficient SAR
• FinCEN Guidance on Filing CTR and SAR
• SAR Narrative Tool

Compliance Management System:

• Compliance Management Program – Regulators’ Concerns and Best Practices – Remarks from Shannon Phillips, Dallas Area Compliance Association, May 2014
• OCC: Compliance Management System (Comptroller’s Handbook)
• Federal Reserve: Community Bank Risk Focused Consumer Compliance Supervision Program
  • FedReserve: Consumer Affairs Letters" CA 13-19"
  • FedReserve: Outlook Live (3/6/2014)
  • FedReserve: Executive Summary (1/1/2014)
• FDIC:Compliance Management System
• FDIC: Compliance Exam Manual Guidance
• The Importance of the Consumer Compliance Internal Audit Function - Fed

Internal Controls:

• Internal Control, Comptroller’s Handbook, January 2001
• Managing Risks with Preventative, Detective, and Corrective Controls
• Framework for the Evaluation of Internal Controls
• Evaluating and improving Internal Controls

Training:

• Resources for Bank Officers & Directors – FDIC
• OCC’s Community Bank Director Workshops - OCC

Consumer Complaints:

• Consumer Complaint Best Practices – Conference of State Bank Supervisors
• Do You Have a Complaint About a Bank? Here’s How to Get Started – FDIC
• Customers Are Now Banks’ Greatest Regulatory Threat – American Banker article*
• Why Banks Are Scrambling to Hear Your Complaints – Forbes article
  • Customer Complaint Management Lacking at Banks – Banktech article
  • How to Handle a Dispute with Your Bank- U.S. News article

Compliance Officers:

• What It Takes to Hire and Keep a Compliance Officer – American Banker article*

Bank Directors:

• Bank Director's Role in Establishing a Culture of Compliance
• Bank Management – OCC
• Resources for Bank Officers & Directors – FDIC
• OCC’s Community Bank Director Workshops - OCC

Risk Assessments:

• Conducting Consumer Compliance Risk Assessments – Examiner Insights, August 20, 2013 – Outlook Live

Social Media:

• FFIEC Consumer Compliance Risk Management Guidance
  • CA 13-22 - Fed
  • FIL-56-2013 – FDIC
  • OCC

• Consumers and Mobile Financial Services 2013, March 2013

New, Expanded, or Modified Products:

• Considerations When Introducing a New Product or Service at a Community Bank – Community Banking Connections, 1^st Quarter 2013 (Federal Reserve publication)
• Risk Management of New, Expanded, or Modified Bank Products and Services - OCC

Third Party Relationships:

• Guidance on Managing Outsourcing Risk - CA 13-21
• Vendor Risk Management, May 2, 2012  - Outlook Live
• Effective Practices for Selecting a Service Provider - FDIC
• Techniques for Managing Multiple Service Providers - FDIC
• Third Party Relationships: Risk Management Guide – OCC – OCC Bulletin 2013-29
• Consumer Compliance Risk Management - Fed

Technology Outsourcing:

• Outsourcing Technology Services, FFIEC Examination Handbook, June 2004
• Risk Management of Outsourcing Technology Services – OCC AL 200-12
• Effective Practices for Selecting a Service Provider - FDIC
• Tools to Manage Technology Providers’ Performance Risk: Service Level Agreements - FDIC
• Techniques for Managing Multiple Service Providers - FDIC

UDAP:

• UDAP – Analysis, Examinations, Case Studies, and Emerging Risks, March 5, 2013  - Outlook Live
• Guidance on Unfair or Deceptive Acts or Practices – OCC AL 2002-3
  • Unfair or Deceptive Acts of Practices by State Chartered Bank, March 11, 2004 – Federal Reserve and FDIC

UDAAP:

• Prohibition of Unfair, Deceptive, or Abusive Acts or Practices in the Collection of Consumer Debts, CFPB Bulletin 2013-07
  • Topic is debt collection, but the UDAAP principals stated apply universally to consumer transactions

*Subscription required—contact agreavu@ibat.org to ask about free subscription for IBAT members.

• Which Account is Right for You?
• Using an Account Register
• Balancing Your Account