Consumer Compliance Handbook
November 2009 Update

Included in the November 2009 update are two new chapters. One of these chapters contains background information and examination procedures to be used when determining compliance with the Servicemembers Civil Relief Act (SCRA). The SCRA seeks to strengthen the national defense by providing for the temporary suspension of judicial and administrative proceedings and transactions that may adversely affect the rights of servicemembers during their military service. The other new chapter covers the Protecting Tenants at Foreclosure Act, which aims to ensure that tenants facing eviction from a foreclosed property have adequate time to find alternative housing. This chapter includes background information and examination procedures as well.

Also included in this update are revised fair lending examination procedures. The revised examination procedures reflect significant recent changes in credit markets, products, and practices; they clarify procedures related to pricing, steering, redlining, broker activity, performing examinations with small sample sizes, and data accuracy.

Filing Instructions
To maintain an updated print version of the handbook, use the following instructions:

New Material
Place a tab separator (not supplied) before inserting new chapters.

At end of section III (after "Special Provisions for Service Members (Talent Amendment)")

� New chapter "Servicemembers Civil Relief Act" (pp. 1-8, dated 11/09)

At end of section IV (after "Right to Financial Privacy")

� New chapter "Protecting Tenants at Foreclosure" (pp. 1-3, dated 11/09)

Consumer Compliance Handbook

Previous Update: June 2009