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Supervisory Highlights

We periodically publish Supervisory Highlights to share key examination findings. These reports also communicate operational changes to our supervision program and provide a convenient and easily accessible resource for information on our recent guidance documents.

Supervisory Highlights do not refer to any specific institution in order to maintain the confidentiality of supervised entities, but share key findings in order to help industry limit risks to consumers and comply with federal consumer financial law. Each Supervisory Highlights publication shares recent examination findings, including information about recent enforcement actions that resulted, at least in part, from our supervisory work.

2024

Summer Supervisory Highlights

Issue 34 topics: Credit Card Account Management, Deceptive Practices, Debt Collection, Student Loan Servicing, Supervision, UDAAPs

Spring Supervisory Highlights

Issue 32 topics: Fair Credit Reporting Act, Supervision, Credit Reports and Scores, and Identity Theft

Issue 33 topics: Mortgage Servicing, UDAAPs, Supervision, Deceptive Practices, and Mortgages

2023

Summer Supervisory Highlights

Topics: Auto Loans, Debt Collection, Mortgage Servicing, Mortgages, Payday Loans, Deceptive Practices, Supervision

Supervisory Highlights Junk Fees Special Edition

Topics: Supervision, Debt Collection, Mortgage Servicing, Credit Card Account Management, Deposits, UDAAPs

2022

Fall Supervisory Highlights

Topics: Auto Servicing, Consumer Reporting, Credit Card Account Management, Debt Collection, Deposits, Mortgage Origination, Mortgage Servicing, Payday Lending, UDAAP

Spring Supervisory Highlights

Topics: Debt Collection, Fair Debt Collection Practices Act, Fair Credit Reporting Act, Auto Loans, Student Loans, Credit Cards, Supervision, Money Transfers, Deceptive Practices, Mortgages

2021

Fall Supervisory Highlights

Topics: Supervision, Debt Collection, Prepaid Cards, Mortgage Servicing, Credit Card Account Management, Deposits, Fair Lending, Payday Lending, Remittances, UDAAPs

Summer Supervisory Highlights

Topics: Supervision, Mortgage Origination, Payday Loans, Mortgage Servicing, Debt Collection

COVID-19 Prioritized Assessments Special Edition (Issue 23)

Topics: Supervision, Debt Collection, Prepaid Cards, Mortgage Servicing, Auto Servicing, Student Loan Servicing, Credit Card Account Management, Consumer Reporting, Furnishing, Deposits, Small Business Lending

2020

Winter Supervisory Highlights

Topics: Supervision, debt collection, mortgage servicing, payday loans, student loans, Fair Debt Collection Practices Act, RESPA, ECOA, TILA

Summer Supervisory Highlights

Topics: Supervision, debt collection, fair lending, money transfers, mortgage servicing, Fair Credit Reporting Act, Fair Debt Collection Practices Act, HMDA

2019

Supervisory Highlights Consumer Reporting Special Edition

Topics: Fair Credit Reporting Act, Supervision, credit reports and scores, identity theft and fraud, debt collection, banking, financial service providers

Summer Supervisory Highlights

Topics: UDAAPs, auto loans, Supervision, compliance, credit cards, credit reports and scores, debt collection, Fair Credit Reporting Act, mortgage origination

Winter Supervisory Highlights

Topics: UDAAPs, small dollar loans, auto loans, mortgage servicing, deposits, remittances, Supervision, Enforcement, HMDA

2018

Summer Supervisory Highlights

Topics: credit cards, UDAAPs, fair lending, small business lending, small-dollar loans, auto loans, ECOA, mortgage servicing, supervision, debt collection, enforcement, HMDA

2017

Summer Supervisory Highlights

Topics: auto loans, compliance, credit cards, debt collection, enforcement, fair lending, HMDA, Know Before You Owe, mortgages, overdrafts, payday loans, supervision

Spring Supervisory Highlights

Topics: mortgage originations, mortgage servicing, fair lending, supervision, and student loans

Supervisory Highlights Consumer Reporting Special Edition

2016

Fall Supervisory Highlights

Topics: auto loan origination, auto loan servicing, debt collection, mortgage origination, student loan servicing, fair lending, reverse mortgages, supervision

Summer Supervisory Highlights

Topics: auto origination, debt collection, mortgage origination, small-dollar lending, and fair lending

Supervisory Highlights Mortgage Servicing Special Edition

Winter Supervisory Highlights

Topics: mortgage, debt collection, remittances, credit reporting, and student loans

2015

Fall Supervisory Highlights

Topics: consumer reporting, debt collection, mortgage origination, mortgage servicing, student loan servicing, and fair lending

Summer Supervisory Highlights

Topics: mortgage servicing, mortgage origination, consumer reporting, debt collection, fair lending, deposits

Winter Supervisory Highlights

Topics: consumer reporting, debt collection, deposits, mortgage origination, Fair Lending, recent Supervisory guidance and bulletins

2014

Fall Supervisory Highlights

Topics: consumer reporting, student loan servicing, debt collection, mortgage servicing, deposits, fair lending, recent supervisory guidance and bulletins

Summer Supervisory Highlights

Topics: supervision of auto lenders, fair lending

Spring Supervisory Highlights

Topics: consumer reporting, debt collection, short-term, small dollar lending, fair lending, supervisory guidance and bulletins

2013

Winter Supervisory Highlights

Topics : mortgage servicing, fair lending

Summer Supervisory Highlights

Topics: compliance management systems, third-party service provider oversight, fair lending, mortgage origination

2012

Fall Supervisory Highlights

Topics: compliance management systems, third-party service provider oversight, fair lending, mortgage origination