The booklet, published by the Office of the Comptroller of the Currency (OCC) and announced Wednesday in Bulletin 2018-31, applies to examinations of OCC-supervised institutions that offer or extend consumer credit products covered by TILA.
The updated booklet replaces one from December 2014 and includes procedures implementing the Truth in Lending Act/Real Estate Settlement Procedures Act (TILA/RESPA) integrated mortgage disclosures rule issued by the Bureau of Consumer Financial Protection (BCFP, formerly known as CFPB).
The OCC also rescinded its Bulletin 2014-61, “Truth in Lending Act: Revised Comptroller’s Handbook Booklet and Rescissions” (December 16, 2014); and the TILA sections of Bulletin 2015-27, “Revised Interagency Examination Procedures for Consumer Compliance” (May 1, 2015), and Bulletin 2015-42, “Initial Examinations for Compliance With TILA-RESPA Integrated Disclosure Rule” (November 6, 2015).