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Ensuring fair access and equal treatment to national bank customers is a fundamental part of the OCC’s mission. OCC bank examiners evaluate compliance with consumer laws and regulation, and the agency takes enforcement actions when necessary.
The OCC promotes bank compliance with federal consumer protection laws, fair lending statutes and regulations, and the Community Reinvestment Act through supervisory and outreach programs. Comptroller's Handbook booklets in the Consumer Compliance series: Community Reinvestment Act Examination Procedures. Compliance Management Systems.
The Office of the Comptroller of the Currency (OCC) today published the revised interagency examination procedures for the Telephone Consumer Protection Act (TCPA). The OCC, Federal Deposit Insurance Corporation, and the National Credit Union Administration have revised the interagency examination procedures to reflect amendments to the TCPA that became effective on October 25, 2021.
Consumer Protection Publications. These publications provide information on consumer protection topics, including fair lending, identify theft, and mortgages. Ensuring fair access and equal treatment to national bank customers is a fundamental part of the OCC's mission. OCC bank examiners evaluate compliance with consumer laws and regulations ...
Refer to 12 USC 3102 (b) and the "Federal Branches and Agencies Supervision" booklet of the Comptroller's Handbook for more information. This booklet addresses several consumer protection topics, including interest on loans, branch closings, Fair Debt Collection Practices Act, Credit Practices Rule, Consumer Leasing Act, Homeowners Protection ...
Victims pulled in by these schemes will certainly lose that fee, but they may also lose property, incur additional debt, damage their credit rating, risk identity theft, or face legal action. To learn more, read Answers about Debt Elimination and Fraudulent Schemes or visit the Bureau of Consumer Protection on the Federal Trade Commission website.
Fraud Resources. Through its regulatory oversight of national banks, the OCC works to implement legislation designed to detect, identify, and prevent financial crimes and fraud. You can play a role as well by reporting crimes and fraudulent activities, filing complaints with the appropriate agency, and learning more about consumer fraud.
It is considered by courts to be intentional discrimination because no credible, nondiscriminatory reason explains the difference in treatment on a prohibited basis. The Fair Housing Act (FHA) and Equal Credit Opportunity Act (ECOA) protect consumers by prohibiting unfair and discriminatory practices.
Applying for a mortgage loan can be stressful. To get your best deal, you must be well-informed so you can compare offers, understand closing and settlement costs, be aware of insurance requirements, and avoid scams. A number of laws cover home mortgage disclosures—the amount and type of information lenders must provide so that you fully understand the terms and conditions of your loan ...
Telephone Consumer Protection. The Telephone Consumer Protection Act (TCPA) (PDF) protects you from, among other things, unwanted telephone marketing calls from companies that want to sell you goods or services. Congress passed TCPA in response to consumer complaints regarding increased and intrusive telemarketing.