Retail Lending Examination Procedures

Appendixes

The appendixes provide additional tools that examiners can use to plan and to conduct retail credit examinations:

Transaction Testing (appendix A) – A description of common testing used during retail lending examinations.
General Request Letter (appendix B) – A sample request letter tailored for the “Minimum Examination Procedures,”but also applicable to the “Supplemental Examination Procedures.”
Uniform Retail Credit Classification and Account Management Policy Checklist (appendix C) – An examination tool referenced in the procedures to test adherence to the requirements of OCC Bulletin 2000-20, “Uniform Retail Credit Classification and Account Management Policy.”
Account Management and Loss Allowance Guidance Checklist (appendix D) – An examination tool referenced in the procedures to test adherence to the requirements of OCC Bulletin 2003-1, “Account Management and Loss Allowance Guidance.”
Debt Suspension Agreement and Debt Cancellation Contract Forms and Disclosure Worksheet (appendix E) – An examination tool referenced in the procedures to assist in assessing compliance with 12 CFR 37 disclosure requirements.
Debt Suspension and Cancellation Product Information Worksheet (appendix F) – An examination tool referenced in the procedures to assist in documenting a bank’s debt suspension and cancellation practices and product characteristics.
Loss Forecasting Tools (appendix G) – A description of roll rate forecasting and other forecasting techniques.