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
Fall Supervisory Highlights
Issue 35 topics: Supervision, UDAAPs, Deceptive Practices, Auto Loans
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
Fall Supervisory Highlights Junk Fees Update Special Edition
Topics: Overdrafts, Auto loans, UDAAPs, Remittances
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
Topic: consumer reporting
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
Topics: foreclosures and mortgage servicing
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