cfpb template entity profile

CFPB Template Entity Profile

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RSSD

Entity Name

City

State

Prudential and/or State Regulator(s)

Contact Name

Contact Information

Work City

Work State

Top Tier Entity

Affiliated DIs (RSSD)

Principal products or lines of business

CFPB Region

Total Assets (000)

Assets as-of date

Attach current Risk Assessment results

Current Compliance Rating

Last Compliance Exam Started

Next Compliance Exam Scheduled

Current CAMELS

CAMELS as-of date

Formal Action in Place

Formal Action in Process

Enforcement Attorney NameContact InformationInformal Agreement in Place

Informal Agreement in Process

Safety and Soundness Action(s)

Fair Lending Issues Fair Lending Data Analysis Results

HMDA Outlier (Y/N)

Previous Outlier Years

# Discrimination Complaints

CFPB Template Entity Profile

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FL Reviewer Name

Contact Information

UDAAP Issues

Other Significant Regulatory Issues

Complaint Analysis

Other Noteworthy Information

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CFPB Template Supervision Plan

Entity Name Supervision Plan 1

Supervision Plan for Depository Institutions and Affiliates

Data Section Entity Name: Entity Headquarters City, State: Entity RSSD No. or Other Identifier (specify if Other): Affiliated Entity Name(s):

Narrative Section [boxes will expand]

Institution Profile Summarize thecurrent Profile of the lead institution and any affiliate(s): <click and type> Risk Assessment Summarize the results of the current Risk Assessment(s): <click and type>



SupervisionPlan Based on the Profile and Risk Assessment, summarize the plan for supervising the institution and its affiliates. Identify the purpose of particular activities, and note any that require particularly close coordination with Enforcement or Fair Lending. <click and type>

Priorities: Describe the priorities for CFPB supervision activities, which should relate to the risks present in the institution and its affiliates. Clarifying priorities will assist in scheduling examiner resources. <click and type> Monitoring: Describe the plan and timeline for monitoring the institution and affiliates, including any follow-up for Matters Requiring Attention or Enforcement Actions. <click and type>



Examination(s): Describe the proposed focus, scope,and schedule of examination activities during the year (either in a full examination or a series of limited examinations). Note the location of proposed activities. Include information about coordination with the prudential or state regulator(s), including examination schedule(s) if known. If an examination is not scheduled during the current year, note why. <click and type> Examination Resource Requirements: Proposed number of examiners, any special skills or knowledge needed, and projected number of examiner work weeks. <click and type> Additional Notes

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CFPB Examination <Start> Date: DD/MM/YYYY

Examination Report Docket Number: 1111111

CFPB Examination Report 1

General Instructions: The primary purpose of the report is to communicate examination findings to a supervised entity’s board of directors or principals. The report must emphasize significant matters and avoid issues that do not affect or support a rating. Throughout the report, present information under Comments and Supporting Analysis in a well-organized and logical manner. Report comments should be concise, discussing major strengths and/or weaknesses to support the examiners’ conclusions. Limit supporting analysis to information that clearly and succinctly demonstrates the conclusions, and avoid including material for informational purposes that does not provide support for the rating or risk assessment.

Plain Language Reports should follow “plain language” principles:

Identify your audience. Write in active voice (e.g., “identify the doer”). Use strong verbs and the simplest tense possible. Use simple everyday words except for necessary technical terms. Avoid jargon, excessive acronyms and abbreviations, multiple negatives, unnecessary

qualifiers, and redundancies. Construct short, concise sentences. Express parallel ideas in parallel constructions (e.g., the bullets listed here each begin with a

verb).

Definition of Dates used in Examinations

The following definitions ensure accurate and consistent presentation of financial data in the report and consistent records of examination activities. The Federal financial institution regulatory agencies use similar definitions.

Examination (As Of) Date – The date of the data presented in the report. Generally, this is the most recent quarterly information that is available. Significant subsequent events may result in the presentation of more recent data.

Current Examination Start Date (Examination Commenced) – The date the examination activity commenced. For all examinations, use the date that time was first charged to the examination.

Examination Completion Date (Examination Concluded) – The last day of examination activities.

Close (ER Mail) Date – The day that CFPB mails the final report to the entity.

Previous Examination Date – The examination start date of the prior examination.




Table of Contents

EXAMINATION CONCLUSIONS 3

REVIEW AND FINDINGS 8

COMPLIANCE WITH ENFORCEMENT ACTIONS 10

APPENDIX 11!




Examination Conclusions

Conclusions on the findings of this examination and the results of interim monitoring and reviews.

Scope

<The scope should include a brief explanation of the examination activities undertaken, including, as applicable, the Risk Assessment, reviews for potential violations of Federal consumer financial law (particularly unfair, deceptive or abusive acts or practices, and discrimination), review of the entity’s compliance management system, or review of complaints. Identify the products/services and regulatory issues reviewed. Examples of Products/Services Reviewed: [credit cards, mortgage origination, mortgage servicing, private student lending, auto lending, payday lending, unsecured consumer lending, deposit-related, and financial advisory services].>

Click Here and Type Conclusions and Comments

<The Conclusion must contain an overall conclusion, followed by a concise summary of the findings. The conclusion should match the tone and language of the rating definition. This section should include summary details or facts supporting the conclusion, including a summary of material deficiencies that support 3, 4, and 5 ratings. The narrative should include both positive and negative conclusions and be concise, constructive, and direct. The narrative comments do not need to cover every area reviewed during an examination. Rather, the comments should focus on those matters that support the overall conclusion and rating. >

Click Here and Type

Risk Assessment <The results of the final Risk Assessment should be included in this section. A narrative explanation should be provided in the Review and Findings section of the report. The supporting documentation and analysis for the risk assessment findings entered below should be documented in the Risk Assessment template and included in the examination workpapers. The date used for the current examination should be the examination (as of) date. The date used for previous examinations should be the examination (as of) date(s).>




Element Current

MM/DD/YYYY

Preceding

MM/DD/YYYY

Inherent Risk

Quality of Risk Controls and Mitigation

Overall Risk to Consumers*

Expected Change/Direction of Risk <increasing/decreasing/stable>

Last Change in Direction < MM/DD/YYYY <increasing/decreasing/stable>

* The inherent risk identified in a particular business line or supervised entity, mitigated or amplified by the strength or weakness of the controls to address those risks.

Consumer Protection Compliance Rating <Insert the current examination rating for the regulated entity and choose the correct rating definition below. Ensure that the examination rating is supported in the workpapers and the Final Scope Summary. The procedures for determining the examination rating as well as the definitions for each rating are located in the “Close the Examination” section of the Examination Manual. The dates are the examination start dates.>

Current Examination

Previous Examinations (if applicable)

MM/DD/YYYY MM/DD/YYYY MM/DD/YYYY Compliance Rating




A supervised entity with this rating [choose appropriate definition language]

“1” Is in a strong compliance position. Management is capable of and staff is sufficient for effectuating compliance. An effective compliance program, including an efficient system of internal procedures and controls, has been established. Changes in consumer statutes and regulations are promptly reflected in the institution's policies, procedures, and compliance training. The institution provides adequate training for its employees. If any violations are noted, they relate to relatively minor deficiencies in forms or practices that are easily corrected. There is no evidence of discriminatory acts or practices, reimbursable violations, or practices resulting in repeat violations. Violations and deficiencies are promptly corrected by management. As a result, the institution gives no cause for supervisory concern.

“2” Is in a generally strong compliance position. Management is capable of administering an effective compliance program. Although a system of internal operating procedures and controls has been established to ensure compliance, violations have nonetheless occurred. These violations, however, involve technical aspects of the law or result from oversight on the part of operating personnel. Modification in the institution's compliance program and/or the establishment of additional review/audit procedures may eliminate many of the violations. Compliance training is satisfactory. There is no evidence of discriminatory acts or practices, reimbursable violations, or practices resulting in repeat violations.

“3” Is in a less than satisfactory compliance position. It is a cause for supervisory concern and requires more than normal supervision to remedy deficiencies. Violations may be numerous. In addition, previously identified practices resulting in violations may remain uncorrected. Overcharges, if present, involve a few consumers and are minimal in amount. There is no evidence of discriminatory acts or practices. Although management may have the ability to effectuate compliance, increased efforts are necessary. The numerous violations discovered are an indication that management has not devoted sufficient time and attention to consumer compliance. Operating procedures and controls have not proven effective and require strengthening. This may be accomplished by, among other things, designating a compliance officer and developing and implementing a comprehensive and effective compliance program. By identifying an institution with marginal compliance early, additional supervisory measures may be employed to eliminate violations and prevent further deterioration in the institution's less-than-satisfactory compliance position.




“4” Requires close supervisory attention and monitoring to promptly correct the serious compliance problems disclosed. Numerous violations are present. Overcharges, if any, affect a significant number of consumers and involve a substantial amount of money. Often practices resulting in violations and cited at previous examinations remain uncorrected. Discriminatory acts or practices may be in evidence. Clearly, management has not exerted sufficient effort to ensure compliance. Its attitude may indicate a lack of interest in administering an effective compliance program, which may have contributed to the seriousness of the institution's compliance problems. Internal procedures and controls have not proven effective and are seriously deficient. Prompt action on the part of the supervisory agency may enable the institution to correct its deficiencies and improve its compliance position.

“5” Is in need of the strongest supervisory attention and monitoring. It is substantially in non-compliance with the consumer statutes and regulations. Management has demonstrated its unwillingness or inability to operate within the scope of consumer statutes and regulations. Previous efforts on the part of the regulatory authority to obtain voluntary compliance have been unproductive. Discrimination, substantial overcharges, or practices resulting in serious repeat violations are present.

<The Examiner-in-Charge (EIC) will sign the examination report. If an examiner is acting as the EIC for professional development purposes (EIC in training), a commissioned examiner must review the EIC in training’s work and sign the report.>

/s/ <EIC signature>

Examiner-in-Charge




Examination Conclusions Matters Requiring Attention

Specific expectations and time frames for actions requiring prompt response and corrective action.

<This section should include significant matters requiring prompt board or principal attention and corrective action. There may be corrective actions that do not get incorporated here – these findings are those that require attention from the Board or Principal(s) and a written response to the CFPB. Communicate specific expected actions and time frames. Do not use of the term “should” when you require the board or principal(s) and management to take corrective action; instead, use “must.”>

<Select one of the following paragraphs and delete the other.>

1) This examination found no matters requiring a written response from the [board of directors or principals]; however, [the board or principal(s)] is responsible for the adoption and implementation of any corrective actions discussed in other sections of this report.

[or]

2) This examination found the following matters that the [board of directors or principals] must specifically address in their written response to this examination report. The [board of directors or principals] is also responsible for the adoption and implementation of any corrective actions discussed in other sections of this report.

Matter Requiring Attention

Due Date Required Response

Click and Type




Review and Findings

Areas or activities examined; violations of law, deficiencies in systems, or other weaknesses identified; and required corrective actions.

Assessment of Risks

Aspects of a supervised entity’s products or operations that increase the risk of unfair, deceptive, or abusive acts or practices for discrimination, or for violations of other Federal consumer financial laws (inherent risks).

<The conclusion must contain an overall conclusion about the Inherent Risk findings from the CFPB Risk Assessment and should include summary details or facts supporting the conclusion. Include details supporting the conclusion in the Comments and Supporting Analysis section.>

Conclusion

Click Here and Type

Comments and Supporting Analysis

Click Here and Type

Compliance Management Review

The effectiveness of the supervised entity’s strategy for identifying and managing inherent risks and the strength of the entity’s overall system of compliance management.

<The conclusion must contain an overall conclusion about the effectiveness of the supervised entity’s strategy for identifying and managing the inherent risks to consumers and managing its consumer compliance responsibilities, and summary details or facts supporting the conclusion, including a summary of material deficiencies. Include details supporting the conclusion in the Comments and Supporting Analysis section.>

Conclusion

Click Here and Type


Click Here and Type




Required Corrective Actions

To address weaknesses in managing risks of potential unfair, deceptive, or abusive acts or practices, discrimination, or other violations of Federal consumer financial law.

<This section identifies specific actions that management must take to resolve supervisory concerns, including specific time frames for completion. If there are no corrective actions for a particular area, just insert “N/A.” Actions requiring board or principal attention should also be included in the Matters Requiring Attention section of the report. Include repeat deficiencies as Matters Requiring Board or Principal Attention. Do not include recommendations or ideas for management to consider in the Required Corrective Actions section; they should be provided in the Recommendations section.>

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Area Reviewed: [insert name or description]

<The area reviewed should include findings for the specific product or service that was reviewed. For example, the area reviewed may be Mortgage Origination. The Conclusion, Comments and Supporting Analysis, and Required Corrective Actions should focus on mortgage origination and any regulatory issues identified for the area reviewed. The conclusion must contain an overall conclusion on the area reviewed and summary details or facts supporting the conclusion, including a summary of material deficiencies. Include details supporting the conclusion in the Comments and Supporting Analysis section. If no deficiencies exist, it should be stated and the Required Corrective Actions section should state “N/A.”>

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Conclusion

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<If a regulatory violation is identified, include the citation for the violation, consistent with the format from the Supervision and Examination System.>

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<This section identifies specific actions that management must take to resolve supervisory concerns, including specific time frames for completion. If there are no required corrective actions for a particular area, state “N/A”. Actions requiring board or principal attention should also be included in the Matters Requiring Attention section of the report. Include repeat deficiencies as Matters Requiring board or principal Attention. Do not include recommendations or ideas for management to consider in the Required Corrective Actions section; they should be provided in the Recommendations section.>

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Area Reviewed: [insert name or description]

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Conclusion

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Recommendation(s)

Suggestions to improve or strengthen currently satisfactory entity practices.

<The section is an optional section to provide recommendations to improve or strengthen entity practices that are currently found to be satisfactory.>

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Compliance with Enforcement Actions

The status of the supervised entity’s compliance with both formal and informal consumer financial protection-related enforcement actions, including any areas of non-compliance or partial compliance.

<This section should be completed if the supervised entity has existing consumer financial protection-related enforcement action(s) in place from CFPB or the entity’s prudential regulator. Remove this section from the report if there are no existing or previous consumer financial protection-related enforcement action(s). Use this section to document conclusions and supporting analysis as well as required corrective actions concerning the supervised entity’s compliance with formal and informal consumer financial protection-related enforcement actions.>

Conclusion

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Corrective Actions

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APPENDIX Examination Team Members <Use this section of the report to identify all examiners who participated in the examination of the regulated entity.>

The following individuals participated in this examination:

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EXAMINATION REPORT

Examination <Start Date> Examination Cycle Ending:<Date> Entity name City state CFPB Docket Number: <xxxxxx>

Entity Type: <Depository Institution/DI Affiliate/DI

Subsidiary/Non-Depository> Examination Type: <Full (10), Limited (11), Target Review(12)

Horizontal Review (15)> Subordinate and Affiliated Organizations Examined: Click and Type

Prohibition of Disclosure or Release

This document is the property of the Consumer Financial Protection Bureau (CFPB), and CFPB furnishes this document to the entity for its confidential use. Except as provided in 12 C.F.R. Section 1070.42, the entity’s directors, officers, or employees may not disclose the report or any portion of it, to unauthorized persons or organizations. Unauthorized persons or organizations include anyone not officially connected with the entity as an officer, director, employee, attorney, auditor, independent auditor, or parent holding company. If the entity receives a subpoena or other legal process calling for production of this document, notify the Regional Director and the CFPB General Counsel immediately. Advise the attorney issuing the subpoena and, if necessary, the court of the above prohibition and refer them to 12 C.F.R. Part1070.

Consumer Financial Protection Bureau [use letterhead if available] <office>Region

[Click and Type Office Name] [Click and Type Phone Number] Fax: Click Here and Type Fax Number [Click and Type Address] Click Here and Type P.O. Box Address

Click here and type date [BOARD OF DIRECTORS / Principal(s)] <Entity name> <street address> <city state zip> Dear [Directors/Principal(s)]:

Pursuant to the authority of the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Consumer Financial Protection Bureau (CFPB) performed a risk-focused examination of <entity name>. The examination began on <Month XX, 20XX>.

The following report summarizes the findings of our examination. Any matters of criticism, violations of laws or regulations, and other matters of concern identified within this Examination Report require the [Board of Directors’/principal’s] and management’s prompt attention and corrective action.

The comments and conclusions in this report are based on an analysis of information obtained from the entity’s records and from other authoritative sources. CFPB prepared this report for supervisory purposes, and you should not consider it an audit report.

<Select one of the following paragraphs and delete the other two paragraphs. If you select the third paragraph, indicate when a reply is due. >

[Please review the entire report at your next meeting and note your review in the minutes of that meeting. or Please review the entire report and retain written documentation confirming your review.] You need not prepare or send CFPB a written response to the report.

[Please review the entire report at your next meeting, adopt any corrective actions called for, and note your review and actions in the minutes of that meeting. or Please review the entire report, adopt any corrective actions called for, and retain written confirmation confirming your review.] You need not prepare or send CFPB a written response to the report.

[Please review the entire report at your next meeting. Please send us a certified copy of excerpts from your minutes stating that you reviewed the report, or Please review the entire report and send us written confirmation of your review,] and advise us of what action you took, or will take, regarding each point discussed in the Matters Requiring Attention section of this report. Please reply within [Click and Type Number of Days] days from the date of this letter.

If you have any questions, please call me at [Click and Type phone number]. If I am unavailable, please call [Click and Type Name and Title of Alternate], at [Click and Type phone number].

/s/

[Click and Type] name title

cc: <prudential regulator>

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