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Regulatory Resources: RETAIL PAYMENT SYSTEMS

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Booklet	Type	Source	Title/Source	Date

Retail	Laws	Congress	Bank Services Company Act, 12 USC 1861-1867(c)	N/A
Retail	Laws	Congress	Expedited Funds Availability Act, 12 USC 4001	N/A
Retail	Laws	Congress	Check Clearing for the 21st Century Act, 12 USC 5001	N/A
Retail	Laws	Congress	Electronic Funds Transfer Act, 15 USC 1693	N/A
Retail	Laws	Congress	Gramm-Leach-Bliley Act, 15 USC 6801 and 6805(b)	N/A
Retail	Laws	Congress	USA Patriot Act, 18 USC 1 (Pub. L. No. 107-56)	N/A
Retail	Laws	Congress	Bank Secrecy Act, 31 USC 5311	N/A

Booklet	Type	Source	Title/Source	Date
Retail	Regulations	FRB	12 CFR 210, Subparts A and B (Regulation J)	N/A
Retail	Regulations	FRB	12 CFR 205 (Regulation E)	N/A
Retail	Regulations	FRB	12 CFR 229, Subparts A, B, and C (Regulation CC)	N/A
Retail	Guidance	FRB	Board of Governors of the Federal Reserve System Payments System Risk (PSR) Policy	December 2001
Retail	Guidance	FRB	New Bank Secrecy Act Examination Procedures Relating to the USA PATRIOT Act, SR Letter 03–17	October 2003
Retail	Guidance	FRB	Section 312 of the USA Patriot Act—Due Diligence for Correspondent and Private Banking Accounts, SR Letter 02–18	July 2002
Retail	Guidance	FRB	FFIEC Guidance on Authentication, SR Letter 01–20	August 2001
Retail	Guidance	FRB	Safeguarding Customer Information, SR Letter 01–15	May 2001
Retail	Guidance	FRB	Identity Theft and Pretext Calling, SR Letter 01–11	April 2001
Retail	Guidance	FRB	FFIEC Guidance on the Risk Management of Outsourced Technology Services, SR Letter 00–17	November 2000
Retail	Guidance	FRB	Federal Reserve Operating Circular No. 4, Automated Clearing House Items	May 2003
Retail	Guidance	FRB	Outsourcing of Information and Transaction Processing, SR Letter 00–04	February 2000
Retail	Guidance	FRB	Credit Card-related Merchant Activities, SR Letter 93–64	November 1993
Retail	Guidance	FRB	Revisions to the Suspicious Activity Report, SR Letter 03–12	May 2003
Retail	Guidance	FRB	Reporting of Computer Related Crimes by Financial Institutions, SR Letter 97–28	November 1997

Retail	Guidance	FDIC	Guidance on Identity Theft Programs, FIL 63-2003	August 2003
Retail	Guidance	FDIC	Identity Theft and Pretext Calling, FIL 39-2001	May 2001
Retail	Guidance	FDIC	Electronic Financial Services and Consumer Compliance, FIL 79-98	July 1998

Retail	Regulations	NCUA	Federal Credit Union Incidental Powers Activities, 12 CFR Part 721	N/A
Retail	Regulations	NCUA	Security Program, Report of Crime and Catastrophic Act, Bank Secrecy Act Compliance, and Appendix A – Guidelines for Safeguarding Mem-ber Information, 12 CFR Part 748	N/A
Retail	Regulations	NCUA	Privacy of Consumer Financial Information, 12 CFR Part 716	N/A
Retail	Regulations	NCUA	Requirements for Insurance, 12 CFR Part 741	N/A
Retail	Regulations	NCUA	Advertising, 12 CFR Part 740	N/A
Retail	Guidance	NCUA	Due Diligence Over Third–Party Ser-vice Providers, NCUA Letter to Credit Unions, 01–CU–20	November 2001
Retail	Guidance	NCUA	Identity Theft and Pretext CallingNCUA Letter to Credit Unions, 01–CU–09	September 2001
Retail	Guidance	NCUA	Interim Final Rules Amending Regulations B, E, M, Z, and DD – Electronic Delivery of Required Disclosures, NCUA Regulatory Alert 01–RA–08	August 2001
Retail	Guidance	NCUA	Electronic Data Security Overview, NCUA Letter to Credit Unions, 01–CU–11	August 2001
Retail	Guidance	NCUA	Authentication in an Electronic Banking EnvironmentNCUA Letter to Credit Unions, 01–CU–10	August 2001
Retail	Guidance	NCUA	Electronic Signatures in Global and National Commerce Act (E-Sign Act)NCUA Regulatory Alert, 01–RA–03	March 2001
Retail	Guidance	NCUA	Privacy of Consumer Financial InformationNCUA Letter to Credit Unions, 01–CU–02	February 2001
Retail	Guidance	NCUA	Risk Management of Outsourced Technology Services (with Enclosure), NCUA Letter to Credit Unions, 00–CU–11	December 2000
Retail	Guidance	NCUA	Identity Theft PreventionNCUA Letter to Credit Unions, 00–CU–02	May 2000
Retail	Guidance	NCUA	Pretext Phone Calling by Account Informa-tion Brokers, NCUA Regulatory Alert 99–RA–3	February 1999

Retail	Guidance	OCC	Office of the Comptroller of the Currency (OCC) Comptroller’s Handbook: Credit Card Lending	October 1996
Retail	Guidance	OCC	OCC Comptroller’s Handbook: Merchant Processing	December 2001
Retail	Guidance	OCC	Credit Card Pre-Approved Solicitations, OCC Advisory Letter 96–7	September 1996
Retail	Guidance	OCC	Audit and Internal Controls, OCC Advisory Letter 2000–6	July 2000
Retail	Guidance	OCC	Third-Party Risk, OCC Advisory Letter 2000–9	August 2000
Retail	Guidance	OCC	Payday Lending, OCC Advisory Letter 2000–10	November 2000
Retail	Guidance	OCC	Management of Outsourcing Technology Services, OCC Advisory Letter 2000–12	November 2000
Retail	Guidance	OCC	Credit Scoring Models, Examiner Guidance, OCC Bulletin 97–24	May 1997
Retail	Guidance	OCC	Interagency Guidance on Subprime Lending, OCC Bulletin 99–10	March 5, 1999
Retail	Guidance	OCC	Subprime Lending: Risks and Rewards, OCC Bulletin 99–15	April 1999
Retail	Guidance	OCC	FFIEC Consumer Credit Reporting Practices, OCC Bulletin 2000-3	February 2000
Retail	Guidance	OCC	Risk Modeling, Model Validation, OCC Bulletin 2000–16	May 2000
Retail	Guidance	OCC	FFIEC Uniform Retail Credit Classification and Account Management Policy, OCC Bulletin 2000–20	June 2000
Retail	Guidance	OCC	Expanded Guidance for Subprime Lending Programs, OCC Bulletin 2001–6	January 2001
Retail	Guidance	OCC	Third Party Relationships, Risk Management Principles, OCC Bulletin 2001–47	November 2001
Retail	Guidance	OCC	ACH Transactions Involving the Internet, OCC Bulletin 2002–2	January 2002
Retail	Guidance	OCC	Account Management and Loss Allowance Guidance, OCC Bulletin 2003–01	January 2003

Retail	Regulations	OTS	Interagency Guidelines Establishing Standards for Safety and Soundness, Appendix A, 12 CFR Part 570	N/A
Retail	Regulations	OTS	Interagency Guidelines Establishing Standards for Safeguarding Customer Information, Appendix B, 12 CFR Part 570	N/A
Retail	Guidance	OTS	Third Party Arrangements, Thrift Bulletin 82	March 2003
Retail	Guidance	OTS	Electronic Funds Transfers, CEO Letter 84	June 1998
Retail	Guidance	OTS	Internal Controls, CEO Letter 113	July 1999
Retail	Guidance	OTS	Thrift Activities Handbook: Section 340, Internal Control	December 2003
Retail	Guidance	OTS	Thrift Activities Handbook: Section 341, Technology Risk Controls	January 2002
Retail	Guidance	OTS	Thrift Activities Handbook: Section 580, Payment Systems Risk	January 1994


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