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OCC Bulletin 2022-26
December 15, 2022
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Chief Executive Officers of All National Banks, Federal Savings Associations, and Federal Branches and Agencies; Department and Division Heads; All Examining Personnel; and Other Interested Parties
The Federal Financial Institutions Examination Council’s (FFIEC) Task Force on Consumer Compliance today adopted the revised examination procedures for the Fair Debt Collection Practices Act (FDCPA) and its implementing regulation, Regulation F. The revised interagency examination procedures incorporate the Consumer Financial Protection Bureau’s 2020 and 2021 Fair Debt Collection Final Rules1 that went into effect on November 30, 2021.
The Office of the Comptroller of the Currency (OCC) is rescinding the “Fair Debt Collection Practices Act” section of the “Other Consumer Protection Laws and Regulations” booklet of the Comptroller's Handbook. OCC examiners will rely on the interagency procedures.
This bulletin applies to community banks.2
The revised interagency examination procedures address
Please contact Candace B. Matzenauer, Director for Consumer Compliance Policy, at (202) 649-5470.
Grovetta N. Gardineer
Senior Deputy Comptroller for Bank Supervision Policy
1 Refer to 85 Fed. Reg. 76734 (November 30, 2020) and 86 Fed. Reg. 5766 (January 19, 2021).
2 “Banks” refers collectively to national banks, federal savings associations, covered savings associations, and federal branches and agencies of foreign banking organizations.