FCA informational memorandums

Informational memorandums (or info memos) contain guidance that we have developed for Farm Credit System institutions. Typically addressed to the board chair and CEO of each System institution, info memos do not require FCA board review and prior approval before distribution, and some of them may be effective only for a short time.

		Date of Memorandum	Subject
		10/16/2024	Extending implementation date of the final rule on high-volatility commercial real estate (HVCRE) exposures
		9/26/2024	National Oversight Plan for Fiscal Year 2025
		4/15/2024	Compliance with the Electronic Signatures in Global and National Commerce Act and Regulations B, M, and Z
		2/13/2024	Annual threshold adjustments and guidance from the Consumer Financial Protection Bureau
		11/20/2023	Guidelines for submitting capital-related requests under FCA regulations 615 and 628
		9/29/2023	National Oversight Plan for Fiscal Year 2024
		9/8/2023	Stress testing expectations
		8/23/2023	Guidelines for requesting certificates of good standing, authenticity, and merger or consolidation
		7/20/2023	Revisiting diversity and inclusion 10 years after implementation of the business planning rule
		5/18/2023	Final rule on small business lending and interim final rule on LIBOR transition
		5/15/2023	Notice of prohibition
		1/30/2023	Technical regulation C amendment and annual threshold adjustments
		12/30/2022	Accounting standards update on troubled debt restructuring
		10/28/2022	Resources from the CFPB and other federal agencies
		10/3/2022	National Oversight Plan for Fiscal Year 2023
		3/14/2022	LIBOR transition rule, annual threshold adjustments, and compliance resources
		12/8/2021	Managing the LIBOR transition
		11/29/2021	Guidelines for submitting an application to form a service corporation
		10/4/2021	National Oversight Plan for Fiscal Year 2022
		9/14/2021	Mortgage servicing COVID-19 final rule, interpretive rule on the impact of the 2021 Juneteenth holiday on certain mortgage and disclosure timing requirements, compliance resources
		7/12/2021	Financing hemp
		6/24/2021	The increase in ransomware attacks and how to protect critical data
		5/27/2021	Guidance for serving consumers with limited English proficiency, ability-to-repay/qualified mortgage rule, fair debt collection practices, and annual threshold adjustments
		4/6/2021	Updated interpretation of sex discrimination in fair lending laws and regulations
		2/4/2021	Maintaining and using stockholder lists
		1/13/2021	Annual threshold adjustments, FDCPA rule, GSE patch, and compliance resources
		1/5/2021	Guidance for System Institutions Affected by the COVID-19 Pandemic
		12/18/2020	Libor transition guidance
		11/3/2020	Request from the CFPB for a voluntary self-assessment
		10/5/2020	National Oversight Plan for Fiscal Year 2021
		8/6/2020	Underserved areas interpretive rule and CFPB compliance guidance
		7/24/2020	COVID-19-related compliance guidance from the Consumer Financial Protection Bureau
		7/14/2020	Guidance on the Paycheck Protection Program for Small Businesses Affected by the COVID-19 Pandemic
		6/4/2020	Extension of regulatory pause until at least July 10
		5/14/2020	Increase in HMDA reporting thresholds, mortgage loan transfer process guidance, 2020 threshold adjustment for escrow requirements, and compliance-related resources
		5/14/2020	CARES Act requirements and COVID-19-related compliance guidance from the Consumer Financial Protection Bureau
		5/4/2020	Guidance for System Institutions Affected by the COVID-19 Pandemic
		3/27/2020	Critical Infrastructure Designation
		1/15/2020	Significant Weather Impact on Agricultural Producers and Distressed Loan Servicing
		12/19/2019	Revisions to Regulation C, Annual Threshold Adjustments Under Regulation Z and Regulation M, and Compliance-Related Resources
		10/23/2019	National Oversight Plan for Fiscal Year 2020
		9/10/2019	Notice of Prohibition
		4/23/2019	2019 Threshold Adjustment for Escrow Requirements, Protections for Tenants at Foreclosure, and Compliance-Related Resources
		1/22/2019	Statutory Limit on Maximum Farm Credit System Bank Director Compensation Repealed
		12/13/2018	2019 Threshold Adjustments Under Regulation Z and Regulation M
		10/2/2018	National Oversight Plan for Fiscal Year 2019
		9/11/2018	Planning for LIBOR Phase-Out
		8/10/2018	TILA-RESPA Rule Revisions
		5/25/2018	Farm Credit Administration Reduces Assessment
		5/2/2018	2016 Mortgage Servicing Rule Amendment
		4/5/2018	Regulatory Capital Treatment of Certain Centrally Cleared Derivative Contracts
		3/8/2018	Regulation Z Adjustment to Asset-Size Exemption Threshold and Military Lending Act
		1/19/2018	Impact of federal government shutdown on FCA’s operating status
		12/19/2017	Annual Threshold Adjustments Under Regulation Z and Regulation M
		10/23/2017	CFPB Actions on Home Mortgage Disclosure Act, Mortgage Servicing Rules, and TILA-RESPA
		9/19/2017	National Oversight Plan for Fiscal Year 2018
		6/27/2017	Reporting Security Incidents and business Continuity Events to FCA
		6/16/2017	New Capital Rule Prompts Change in Assessment Calculation
		5/26/2017	Farm Credit Administration Reduces Assessment
		4/17/2017	CFPB's Mortgage Servicing Rule Amendments and Principles for the Future of Loss Mitigation
		2/6/2017	Military Lending Act
		12/13/2016	Annual Threshold Adjustments Under Regulation Z and Regulation M and Annual Lists of “Rural Counties” and “Rural or Underserved Counties”
		11/10/2016	Implementation of the Tier 1/Tier 2 Capital Framework
		9/27/2016	National Oversight Plan for Fiscal Year 2017
		9/1/2016	New Accounting Standard on Financial Instruments - Credit Losses
		8/29/2016	Guidance on Addressing Personal and Intangible Property within Collateral Evaluation Policies and Procedures (§ 614.4245)
		6/20/2016	Notice of Prohibition and Orders of Removal, Suspension, or Prohibition
		6/1/2016	Revised Guidelines on Submission of Proposals to Merge or Consolidate Farm Credit System Banks and Merge or Consolidate Farm Credit System Associations
		1/21/2016	Servicing Loans to Borrowers in Distressed Industries
		1/13/2016	Amendments to Regulation C and Regulation Z and Annual Threshold Adjustments under Regulation Z and Regulation M
		12/23/2015	Limited Suspension of Enforcement Actions Relating to Private Flood Insurance
		11/6/2015	Compliance with Section 4.38 of the Farm Credit Act -- Affirmative Action
		9/24/2015	National Oversight Plan for Fiscal Year 2016
		8/5/2015	Cybersecurity Assessment and Expectations for System Institutions
		7/9/2015	Whistleblower Programs
		7/7/2015	Safety and Soundness of the Farm Credit System
		5/29/2015	Farm Credit Administration Reduces Assessment
		4/28/2015	TILA-RESPA Integrated Mortgage Disclosures – Clarification of Borrower Stock and Participation Certificates Disclosure
		4/16/2015	Notice of Prohibition and Orders of Removal, Suspension, or Prohibition
		4/2/2015	Amendments to Asset-Size Exemption Thresholds under Regulation Z and Integrated Mortgage Disclosures under Regulation X and Regulation Z
		1/29/2015	Portfolio Management in Volatile Times
		12/16/2014	Cybersecurity Framework and Other Recent Guidance
		11/25/2014	Lending, Training, and Outreach Opportunities with the Farm Service Agency
		11/7/2014	Amendments to Qualified Mortgage Provisions of Regulation Z; Adjustments to Regulation Z and Regulation M Thresholds; Implementation of TILA-RESPA Integrated Disclosure Rule
		9/9/2014	National Oversight Plan for Fiscal Year 2015
		9/4/2014	Guidance for Investment Requests under § 615.5140(e) of FCA Regulations
		7/22/2014	Farm Credit System Operating Expenses
		7/8/2014	Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z)
		5/30/2014	Joint Statement on Increased Maximum Flood Insurance Coverage for Other Residential Buildings
		4/10/2014	Social Media: Consumer Compliance Risk Management Guidance
		1/29/2014	Recent Consumer Financial Protection Bureau Actions
		11/22/2013	Guidance on Homeownership Counseling Requirements
		11/14/2013	Recent Consumer Financial Protection Bureau Actions
		9/27/2013	Impact of Federal Government Shutdown on FCA’s Operating Status
		8/21/2013	National Oversight Plan for Fiscal Year 2014
		7/30/2013	Guidelines on Submissions of Notices to FCA and Requests for FCA Approval of Unincorporated Business Entities
		7/18/2013	Recent CFPB Actions
		7/18/2013	Final Mortgage Servicing Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)
		5/28/2013	Final Rules on Appraisals under the Equal Credit Opportunity Act (Regulation B) and the Truth in Lending Act (Regulation Z)
		5/28/2013	High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act (Regulation Z) and Homeownership Counseling Amendments to the Real Estate Settlement Procedures Act (Regulation X)
		4/22/2013	Final rule on Mortgage Loan Originator Qualification and Compensation Practices Under the Truth in Lending Act (Regulation Z)
		3/29/2013	Interagency Statement on the Impact of Biggert-Waters Act
		3/8/2013	Ability-to-Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Regulation Z)
		3/8/2013	Escrow Requirements Under the Truth in Lending Act (Regulation Z)
		3/8/2013	Clarification to FCA Regulation §618.8320(b)(7)
		1/25/2013	Compliance with the Consolidated and Further Continuing Appropriations Act, 2012
		12/12/2012	Truth in Lending and Consumer Leasing - Annual Adjustments
		12/5/2012	LARS and FCSLoans1 Data Collection
		12/3/2012	Senior Officer Compensation Final Rule - Compliance Date Extension
		12/3/2012	Consumer Financial Protection Bureau Extends Date for New Mortgage Disclosures
		11/20/2012	Regulatory risk-weighting of loans covered by Farmer Mac’s Long-Term Standby Purchase Commitment program
		10/12/2012	2013 National Oversight Plan
		8/6/2012	Truth in Lending (Regulation Z) Compensation Rules
		8/6/2012	Revised Standard Flood Hazard Determination Form
		5/16/2012	Association Investments
		5/2/2012	Long-Term Standby Purchase Commitments
		1/12/2012	National Oversight for Fiscal Year 2012
		10/7/2011	Amendments to Regulations Implementing the RESPA, the FACT Act, and the ECOA
		7/7/2011	Truth in Lending and Consumer Leasing - Annual Adjustments
		6/30/2011	USDA Guaranteed Investments (as clarified and modified)
		5/5/2011	Amendments to Regulation M (Consumer Leasing) and Regulation Z (Truth in Lending)
		4/12/2011	Information and Guidance for Registering Mortgage Loan Originators Under the Secure and Fair Enforcement for Mortgage Licensing Act of 2008
		4/8/2011	Impact of Federal Government Shutdown on FCA’s Operating Status
		3/29/2011	Loan Underwriting Standards - Borrower Financial Information
		3/22/2011	USDA Guaranteed Investments
		3/10/2011	Amendments to Higher-Priced Mortgage Loan Escrow Provisions of Regulation Z (Truth in Lending)
		1/28/2011	RESPA - Clarification of Borrower Stock Disclosure on GFE and HUD-1
		1/27/2011	Three Amendments to Regulation Z, Truth in Lending
		12/3/2010	Interim Final Rule Amending Regulation Z (Truth in Lending)
		12/2/2010	National Oversight Plan for Fiscal Year 2011
		11/9/2010	Nominating Committee Brochures
		11/4/2010	Serving the Members of Farm Credit System Institutions
		11/4/2010	Preferred Risk Policy Eligibility Extension
		9/24/2010	Amendment to Conditions of Approval for RAB and ARC Pilot Investment Programs
		8/19/2010	Truth in Lending – Annual Adjustment of Fee-Based Trigger for Additional Mortgage Loan Disclosures
		6/17/2010	Collateral Risk Management in Farm Credit System Institutions
		6/3/2010	Lapse and Extension of FEMA Authority to Issue Flood Insurance Contracts
		3/23/2010	Truth in Lending (Regulation Z) Amendments - Credit Card Act
		1/27/2010	FACT Act Regulations -- Risk-Based Pricing Notices
		1/13/2010	Consumer and Borrower Rights Regulatory Compliance Requirements
		1/11/2010	Truth in Lending Act Amendments - Credit CARD Technical Corrections Act of 2009
		11/12/2009	My Thoughts on Association Mergers in Economically Challenging Time
		9/3/2009	Financial Accounting Standards Board Accounting Standards Codification
		7/2/2009	Confronting the Increased Risk Environment
		6/10/2009	Responding to Local Financial Institution Failures
		3/13/2009	Notice of Prohibition
		2/23/2009	Executive Compensation
		12/19/2008	Consumer and Borrower Rights Regulatory Compliance Requirements
		10/31/2008	Current and Future Challenges
		9/18/2008	Foreign Currency Transactions
		6/17/2008	Capital Adequacy - Risk Weighting of Certain Off-Balance Sheet Exposures
		5/9/2008	Asset Growth, Market Volatility, and Best Practices for Fast Growing Institutions
		4/21/2008	Collateral Evaluation Requirements and Frequently Asked Questions
		2/7/2008	Instructions for Filing Part 620 Reports with FCA
		12/17/2007	Recission of Bookletters
		12/3/2007	FTC Regulations to Implement Affiliate Marketing, Identify Theft Red Flags, and Address Discrepancy Provisions of the FACT Act
		4/16/2007	Presidential $1 Coin Act of 2005 -- Farm Credit System Requirements
		4/10/2007	Clarification of 12 C.F.R. 613.3030 - Rural Home Financing
		4/9/2007	Recission of Bookletters on Disclosure of Director and Senior Officer Compensation
		2/9/2007	Significant Asset Growth and Its Implications
		10/20/2006	FCA Handbook
		10/17/2006	Zero Percent Capital Risk Weighting of Guaranteed Portions of Loans Purchased in the Secondary Market
		10/13/2006	Electronic Filing of Part 620 Regulatory Reports
		8/4/2006	Orders of Removal, Suspension, or Prohibition
		6/22/2006	Guidance on Preparing Your Institution for a Catastrophic Event
		5/11/2006	Clarification of FCA Regulation 614.4200(b)(1) - Security for Long-Term Loans
		1/25/2006	Livestock Risk Protection and Other Products Offered by the Federal Crop Insurance Corporation
		10/13/2005	Orders of Removal, Suspension, or Prohibition
		10/13/2005	Regulation C, Home Mortgage Disclosure Act - Reporting
		4/21/2005	Guidance on Response Program for Unauthorized Access to Customer Information and Customer Notice
		4/13/2005	Regulation C, Home Mortgage Disclosure Act - Reporting Requirements
		2/7/2005	Orders of Removal, Suspension, or Prohibition
		2/2/2005	Report on Violations of Consumer, Borrower Rights, and Flood Insurance Regulations
		1/12/2005	Web Site Access to Comment Letters
		1/11/2005	Investments in Rural America--Pilot Investment Programs
		12/17/2004	Effective Interest Rate Disclosure
		11/25/2004	Compliance with Farm Credit Administration E-commerce Regulations in Business Plans
		9/2/2004	Fair and Accurate Credit Transactions Act of 2003
		8/11/2004	Orders of Removal, Suspension, or Prohibition
		8/2/2004	Guidance on Instant Messaging
		6/25/2004	Investments in Rural America
		6/10/2004	Revised Related Services Informational Memorandum
		4/29/2004	Guidance on Safeguarding Customers Against E-Mail and Internet-Related Fraudulent Schemes
		4/15/2004	Servicemembers Civil Relief Act
		4/15/2004	Report on Violations of Consumer, Borrower Rights, and Flood Insurance Regulations
		2/24/2004	Loan Syndication Authorities for Banks and Associations
		2/23/2004	Orders of Removal, Suspension, or Prohibition
		1/22/2004	Federal Banking Regulatory Statement on Appraisal Independence
		10/21/2003	Counterparty Risk
		10/2/2003	Orders of Removal, Suspension, or Prohibition
		9/9/2003	Issuance of Preferred Stock
		7/29/2003	Recommended Elements of a Privacy Policy
		6/26/2003	Children's Online Privacy Protection Act of 1998
		6/4/2003	Additional Guidance on the Risks of Weblinking
		3/18/2003	Orders and Notice of Removal, Suspension, or Prohibition
		3/13/2003	Specially Designated Nationals and Blocked Persons
		1/2/2003	Possible Effects of the Farm Security and Rural Investment Act on Farm Credit System Institution Authorities
		12/17/2002	Alert: Managing Risks Associated with Wireless Networks and Customer Access
		10/23/2002	Orders and Notice of Removal, Suspension, or Prohibition
		9/19/2002	Guidance for Weblinking Relationships
		7/26/2002	Specific Guidance on Electronic Disclosures and Notices
		7/2/2002	Guidance on Authentication in an Electronic Banking Environment
		7/2/2002	Specially Designated Nationals and Blocked Persons
		4/23/2002	Notice of Prohibition
		2/26/2002	Orders of Removal, Suspension, or Prohibition
		12/20/2001	Insurance Considerations for E-Commerce Activities
		11/14/2001	Specially Designated Nationals and Blocked Persons
		9/25/2001	Orders and Notices of Removal, Suspension, or Prohibition
		7/23/2001	Specially Designated Nationals and Blocked Persons
		5/21/2001	Technology Alerts
		1/29/2001	Specially Designated Nationals and Blocked Persons
		1/16/2001	Outsourcing of Technology-Related Products and Services
		1/16/2001	Revoked Banking License, Missing Official Checks, Telemarketing Scam-Canadian Lottery, Unauthorized Bonds, and Unauthorized Banking Entity
		1/16/2001	Orders of Removal, Suspension, or Prohibition
		11/15/2000	Digital Signature Issues
		11/2/2000	Specially Designated Nationals and Blocked Persons
		10/25/2000	Risk Management of Outsourcing
		10/2/2000	E-commerce and Security Risks
		10/2/2000	Specially Designated Nationals and Blocked Persons
		9/18/2000	Counterfeit Cashier's Checks and An Entity That May be Conducting Banking Operations Without Authorization
		9/7/2000	Network Security - Support Web Sites
		8/17/2000	Identity Theft Advisory
		7/19/2000	Orders of Removal, Suspension, or Prohibition
		7/18/2000	Specially Designated Nationals, Narcotics Traffickers, etc
		6/14/2000	Dates of Submission of Corporate Applications
		4/5/2000	Specially Designated Nationals & Blocked Persons
		2/11/2000	Orders of Removal, Suspension, or Prohibition
		1/28/2000	Unauthorized Banking and Banking License Revocation
		11/8/1999	Web Site and Internet Guidelines
		11/2/1999	Unauthorized Financial Entities or Fictious & Counterfeit Instruments
		9/22/1999	Specially Designated Nationals & Blocked Persons
		8/30/1999	Threats to Information Management Systems
		8/2/1999	Prior Approval of New Investment Activities
		7/29/1999	Homeowners Protection Act of 1998
		7/29/1999	Blocking of Accounts with Narcotics Traffickers-Updated Listing
		7/29/1999	Unauthorized Bank, Cashier's Checks Obtained under False Pretenses, etc.
		4/13/1999	Unauthorized Banking or Counterfeit Checks
		3/18/1999	Confidentiality of Borrower Information
		2/17/1999	Unauthorized Banking & Fictitious or Counterfeit Checks
		2/11/1999	Loan Pricing by Farm Credit System Institutions
		1/29/1999	Timeline for Regulation Projects
		1/27/1999	Orders of Removal, Suspension, or Prohibition
		1/12/1999	Unauthorized Banking & Suspicious Transactions
		11/16/1998	Unauthorized Banking & Entities etc
		10/13/1998	Assets of Specially Designated Nationals & Blocked Persons
		10/6/1998	Confidentiality of Borrower Information
		9/28/1998	Unauthorized Banking and Suspicious Transactions
		8/17/1998	Unauthorized Banking & Fraudulent Document
		8/10/1998	Adverse Conditions and Disaster Relief Efforts by Farm Credit Institutions
		7/24/1998	Orders of Removal,Suspension, or Prohibition
		7/23/1998	Blocking Accounts w/Nacotics Traffickers
		7/20/1998	Advising of Suspicious Transactions
		7/10/1998	Examination of Loans Guaranteed by Federal and Local Government Agencies
		6/30/1998	Contingency Planning for Business Continuity
		5/29/1998	Suspicious Transactions, Unauthorized Banking, Stolen & Counterfeit.
		4/17/1998	Unauthorized Banking
		3/16/1998	Reporting Requirements for Amended 12 CFR Parts 614 and 627
		3/13/1998	Suspicious Transactions, Unauthorized Banking Entities, etc.
		2/5/1998	Suspicious Transactions and Unauthorized Transactions
		1/16/1998	Suspicious Transaction & Unauthorized Transactions
		1/16/1998	Orders of Removal, Suspension, or Prohibition
		12/10/1997	Suspicious Transactions
		11/10/1997	Unauthorized Banking Entities
		9/26/1997	Counterfeit Cashier's Checks, etc.
		8/8/1997	Unauthorized Banking Entity & Stolen Cashier's Checks
		7/28/1997	Unauthorized Banking Entitites & Counterfeit Checks
		6/13/1997	Orders of Removal, Suspension, or Prohibition
		5/20/1997	Blocking of Accounts Associated with Narcotics Traffickers
		5/20/1997	Unauthorized Banking & Fictitious Treasury Securities
		12/3/1996	Unauthorized Banking Entities
		11/12/1996	Orders of Removal, Suspension, or Prohibition

FCA information​al memorandums​

FCA informational memorandums