Consumer Affairs Letters address significant policy and procedural matters related to the Federal Reserve System’s consumer compliance supervisory responsibilities. This page provides links to all public CA Letters issued since 2015.
If you have any questions regarding the content of the letters, please contact your dedicated consumer compliance liaison at the Federal Reserve Bank of San Francisco.
2023
CA 23-6, Second Extension of CRA Consideration for Community Development Activities in Puerto Rico and the U.S. Virgin Islands in Response to Hurricane Maria
September 21, 2023
CA 23-5, Supervisory Nonobjection Process for State Member Banks Seeking to Engage in Certain Activities Involving Dollar Tokens
August 8, 2023
CA 23-4, One Agile Supervision Solution (OASiS) External Portal to be Utilized for Information Exchange During Supervisory Events
May 8, 2023
CA 23-3, Joint Statement on Completing the LIBOR Transition
April 26, 2023
CA 23-2, Revised “A Guide to HMDA Reporting: Getting It Right!”
April 13, 2023
CA 23-1, Changes to Home Mortgage Disclosure Act (HMDA) Loan Volume Reporting Threshold for Closed-end Mortgage Loans
January 31, 2023
2022
CA 22-10, Inactive Supervisory Guidance
December 19, 2022
CA 22-9, Revised Federal Debt Collection Practices Act Examination Procedures
December 15, 2022
CA 22-8, FedEZFile and FedEZFile Fluent to be Released for Filing Applications with the Federal Reserve
October 6, 2022
CA 22-7, Policy Statement on Whistleblower Claims
September 8, 2022
CA 22-6, Engagement in Crypto-Asset-Related Activities by Federal Reserve-Supervised Banking Organizations
August 16, 2022
CA 22-5, Standard Information Request (SIR) Process
July 8, 2022
CA 22-4, Revised “A Guide to HMDA Reporting: Getting It Right!”
May 5, 2022
CA 22-3, Contact Information in Relation to Computer-Security Incident Notification Requirements
March 29, 2022
CA 22-2, Interagency Statement on Special Purpose Credit Programs Under the Equal Credit Opportunity Act and Regulation B
February 22, 2022
CA 22-1, Federal Financial Institutions Examination Council Issues Statement on Principles of Examination Information Requests
January 21, 2022
2021
CA 21-17, Revised Home Mortgage Disclosure Act Examination Procedures
December 17, 2021
CA 21-16, Interagency Statement on Supervisory and Enforcement Practices Regarding the Mortgage Servicing Rules in Response to the Continuing COVID-19 Pandemic and CARES Act
November 10, 2021
CA 21-14, Revised Interagency Examination Procedures for Regulation Z
October 25, 2021
CA 21-15, Interagency Statement on Managing the LIBOR Transition
October 22, 2021
CA 21-13, Community Bank Access to Innovation through Partnerships
September 9, 2021
CA 21-12, Supervisory Expectations for Supervised Institutions Regarding Juneteenth Federal Holiday and Certain Provisions of Regulation Z
September 2, 2021
CA 21-11, Guide for Community Banking Organizations Conducting Due Diligence on Financial Technology Companies
August 27, 2021
CA 21-10, Revised Special Post-Employment Restriction for Senior Examiners and Work Paper Reviews for Departing Examiners
July 29, 2021
CA 21-9, Extension of CRA Consideration for Community Development Activities in Puerto Rico and the U.S. Virgin Islands in Response to Hurricane Maria
May 27, 2021
CA 21-8, Resumption of Home Mortgage Disclosure Act (HMDA) Quarterly Reporting
May 14, 2021
CA 21-7, Revised “A Guide to HMDA Reporting: Getting It Right!”
March 30, 2021
CA 21-6, Suspension of the Regulation D Examination Procedures
March 29, 2021
CA 21-5, Community Reinvestment Act (CRA) Consideration for Activities in Response to the Coronavirus
March 5, 2021
CA 21-4, Highlighting the Federal Reserve System’s Partnership for Progress Program for Minority Depository Institutions
March 5, 2021
CA 21-3, Revised Interagency Examination Procedures for Regulation Z
March 4, 2021
CA 21-2, Inactive or Revised SR Letters Related to the Federal Reserve’s Supervisory Expectations for a Firm’s Board of Directors
February 26, 2021
CA 21-1, Supervisory Guidance on Board of Directors’ Effectiveness
February 26, 2021
2020
CA 20-14, Internal Appeals Process for Material Supervisory Determinations and Policy Statement Regarding the Ombudsman for the Federal Reserve System
December 4, 2020
CA 20-13, Joint Statement on Additional Loan Accommodations Related to COVID-19
August 3, 2020
CA 20-12, Federal Financial Institutions Examination Council Issues Joint Statement on Managing the LIBOR Transition
July 24, 2020
CA 20-11, Examination Procedures for the Coronavirus Aid, Relief, and Economic Security Act (CARES Act)
July 7, 2020
CA 20-10, Community Reinvestment Act (CRA) Consideration for Activities in Response to the Coronavirus (FAQ)
May 27, 2020
CA 20-9, Investments in Areas with Elevated Poverty and Public Welfare Investments
May 21, 2020
CA 20-8, Interagency Lending Principles for Making Responsible Small-Dollar Loans
May 20, 2020
CA 20-7, Flood Insurance Compliance in Response to the Coronavirus
May 6, 2020
CA 20-6, Home Mortgage Disclosure Act (HMDA) Quarterly Reporting during the COVID-19 Pandemic
March 31, 2020
CA 20-5, Joint Statement Encouraging Responsible Small-Dollar Lending
in Response to COVID-19
March 30, 2020
CA 20-4, CRA Consideration for Activities in Response to the
Coronavirus
March 19, 2020
CA 20-3, Supervisory Practices Regarding Financial Institutions
Affected by Coronavirus
March 13, 2020
CA 20-2, Interagency Statement on Pandemic Planning
March 10, 2020
CA 20-1, Revised “A Guide to HMDA Reporting: Getting It Right!”
February 27, 2020
2019
CA 19-12, Consumer Compliance Supervision Bulletin
December 19, 2019
CA 19-11, Interagency Statement on the Use of Alternative Data in
Credit Underwriting
December 12, 2019
CA 19-10, Revised Interagency Examination Procedures for the Flood
Disaster Protection Act
August 22, 2019
CA 19-9, Final Rule Revising the Board’s Delegation Rules for Certain
Types of Applications, Notices, and Requests
July 3, 2019
CA 19-8, Interagency Examination Procedures for Regulation X
April 9, 2019
CA 19-7, Revised Interagency Examination Procedures for Regulation Z
April 9, 2019
CA 19-6, Revised Interagency Examination Procedures for Regulation E
April 9, 2019
CA 19-5, Revised Home Mortgage Disclosure Act Examination Procedures
April 1, 2019
CA 19-4, Revised “A Guide to HMDA Reporting: Getting It Right!”
April 1, 2019
CA 19-3, Supervisory Rating System for Holding Companies with Total
Consolidated Assets Less Than $100 Billion
February 26, 2019
CA 19-2, Large Financial Institution (LFI) Rating System
February 26, 2019
CA 19-1, New Markets Tax Credits and Public Welfare Investments
February 26, 2019
2018
CA 18-9, Designated Home Mortgage Disclosure Act Key Data Fields
December 7, 2018
CA 18-8, Revised Interagency Examination Procedures for Regulation
CC
October 17, 2018
CA 18-7, Interagency Statement Clarifying the Role of Supervisory
Guidance
September 12, 2018
CA 18-6, Statement on the Implementation of the Economic Growth,
Regulatory Relief, and Consumer Protection Act Amendments to the Home
Mortgage Disclosure Act
July 5, 2018
CA 18-5, Policy Statement on Interagency Notification of Formal
Enforcement Actions
June 29, 2018
CA 18-4, Restoration of the Protecting Tenants at Foreclosure Act
June 22, 2018
CA 18-3, Revised Interagency Examination Procedures for Regulation X
and Regulation Z
April 19, 2018
CA 18-2, Revised “A Guide to HMDA Reporting: Getting It Right!”
March 6, 2018
CA 18-1, CRA Consideration for Community Development Activities in the
U.S. Virgin Islands and Puerto Rico Following Hurricane Maria
January 25, 2018
2017
CA 17-4, Expectations for Supervised Institutions Regarding Amended
Regulation C
December 21, 2017
CA 17-3, Designated Home Mortgage Disclosure Act Key Data Fields
October 17, 2017
CA 17-2, Revised Interagency Home Mortgage Disclosure Act Sampling,
Verification, and Resubmission Procedures
August 23, 2017
CA 17-1, Overview of the Federal Reserve’s Supervisory Education
Programs
August 1, 2017
2016
CA 16-8, Uniform Interagency Consumer Compliance Rating System
November 22, 2016
CA 16-7, Special Post-Employment Restrictions for Senior Examiners
November 16, 2016
CA 16-6, Revised Interagency Military Lending Act Examination
Procedures
September 29, 2016
CA 16-5, Final Interagency Questions and Answers Regarding Community
Reinvestment
July 15, 2016
CA 16-4, Repeal of Regulation AA and Publication of Revised Examination
Procedures for Section 5 of the Federal Trade Commission (FTC) Act
July 13, 2016
CA 16-3, Revised Interagency Examination Procedures for Regulation P
June 8, 2016
CA 16-2, Interagency Guidance Regarding Deposit Reconciliation
Practices
May 18, 2016
CA 16-1, Revised Interagency Examination Procedures for the Flood
Disaster Protection Act
April 7, 2016
2015
CA 15-10, Supervisory Expectations for Supervised Institutions
Regarding the TILA-RESPA Integrated Disclosure Rule
October 21, 2015
CA 15-9, Examinations of Insured Depository Institutions Prior to
Membership or Merger into a State Member Bank
October 13, 2015
CA 15-8, Expansion of the Federal Reserve’s Emergency Communications
System
October 13, 2015
CA 15-7, Revised Interagency Examination Procedures for Regulation P
October 5, 2015
CA 15-6, Revised Interagency Examination Procedures for Regulation Z
and Regulation X
September 22, 2015
CA 15-5, Transfer of SAFE Act Supervisory Responsibilities and
Publication of SAFE Act Examination Procedures
September 17, 2015
CA 15-4, Expiration of the Protecting Tenants at Foreclosure Act
June 10, 2015
CA 15-2, Guidance to Encourage Financial Institutions’ Youth Savings
Programs and Address Related Frequently Asked Questions
February 24, 2015
CA 15-1, Guidance on Private Student Loans with Graduated Repayment
Terms at Origination
January 29, 2015