Retail Lending Examination Procedures
Introduction
Minimum Examination Procedures [1]
Supplemental Examination Procedures
Appendixes
Procedures
Supplemental Examination Procedures
Verification Procedures
Appendix A: Appendix A: Transaction Testing
Overview
Suggested Transaction Testing Samples
Underwriting
Lending Policy Exceptions
Overrides
Line Increases
Over-limits
Collection Activities
Re-ages
Payment extensions and deferrals
Rewrites and renewals
Workout and forbearance programs
Bankruptcy
Settlement
Suggested Transaction Testing Samples
Underwriting
Lending Policy Exceptions
Overrides
Line Increases
Over-limits
Collection Activities
Fraud
Debt Waiver
Minimum Payment
Appendix B: Appendix B: General Request Letter
General
Management and Supervision
Financial Performance
Control Systems (Risk Management, Loan Review, Quality Assurance, Audit)
Underwriting
Collections
Allowance for Loan Losses
Other Areas of Interest
Transaction Testing
Appendix C: Appendix C: Uniform Retail Credit Classification and Account Management Policy Checklist (RCCP Checklist)
Appendix D: Appendix D: Account Management and Loss Allowance Guidance Checklist
Appendix E: Appendix E: Debt Suspension Agreement and Debt Cancellation Contract Forms and Disclosure Worksheet
Appendix F: Appendix F: Debt Suspension and Debt Cancellation Product Information Worksheet
For all debt suspension/cancellation products:
Appendix G: Appendix G: Loss Forecasting Tools
Roll Rates
Step 1: Calculate roll rates
Step 2: Calculate loss factors by bucket.
Step 3: Apply loss factors to the current portfolio.
Historical
Vintage
Glossary
References
Retail Lending Examination Procedures