• Booklets issued since the integration of the OTS (July 21, 2011)
• Booklets issued prior to July 21, 2011 

Table of Booklet Title Changes

Examination Process (EP)

• Foreword (PDF)  - Transmittal Bulletin (HTML)

Safety and Soundness

Capital Adequacy (C)

Asset Quality (A)

• Concentrations of Credit (PDF) - Transmittal Bulletin (HTML)

Management (M)

Earnings (E)

Liquidity (L)

• Liquidity (PDF) - Transmittal Bulletin (HTML)

Sensitivity to Market Risk (S)

Other Activities (O)

Asset Management (AM)

• Unique and Hard-to-Value Assets (PDF) - Transmittal Bulletin (HTML)

Consumer Compliance (CC)

• SAFE Act (PDF) - Transmittal Bulletin (HTML)

Securities Compliance (SC)

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Booklets issued prior to July 21, 2011

Asset Management

• Cover Letters
• Booklets

Safety and Soundness

• Cover Letters
• Booklets

Consumer Compliance

• Cover Letters
• Booklets

Thrift Publications

Available in Print

Asset Management Booklets

• Asset Management (PDF)
• Asset Management Operations and Controls (PDF)
• Collective Investment Funds
• Conflicts of Interest (PDF)
• Custody Services (PDF)
• Investment Management Services (PDF)
• Personal Fiduciary Services (PDF)
• Retirement Plan Services (PDF)

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Safety and Soundness Booklets

• Accounts Receivable and Inventory Financing (PDF)
• Agricultural Lending
• Allowance for Loan and Lease Losses (PDF)
• Analytical Review of Income and Expense (PDF)
• Asset Securitization (PDF)
• Bank Dealer Activities (PDF)
• Bank Premises and Equipment
• Bank Supervision Process (PDF)
• Bankers' Acceptances (PDF)
• Capital Accounts and Dividends (PDF)
• Cash Accounts (PDF)
• Check Credit (PDF)
• Commercial Loans (PDF)
• Commercial Real Estate and Construction Lending (PDF)
• Community Bank Supervision (PDF)
• Consigned Items and Other Customer Services
• Country Risk Management
• Credit Card Lending (PDF)
• Due from Banks
• Duties and Responsibilities of Directors (PDF)
• Emerging Market Country Products and Trading Activities (PDF)
• Employee Benefits (PDF)
• Federal Branches and Agencies Supervision (PDF)
• Floor Plan Loans
• Foreign Exchange (PDF)
• Futures Commission Merchant Activities (PDF)
• Insider Activities
• Installment Loans (PDF)
• Insurance Activities (PDF)
• Interest Rate Risk (PDF)
• Internal and External Audits (PDF)
• Internal Control (PDF)
• Internal Control Questionnaires/Verification Procedures
• Investment Securities (PDF)
• Large Bank Supervision (PDF)
• Lease Financing (PDF)
• Leveraged Lending
• Litigation and Other Legal Matters (PDF)
• Loan Portfolio Management (PDF)
• Management and Board Processes (PDF)
• Management Information Systems (PDF)
• Merchant Processing (PDF)
• Mortgage Banking (PDF)
• Other Assets (and Other Liabilities) (PDF)
• Other Real Estate Owned (PDF)
• Payment Systems and Funds Transfer Activities (PDF)
• Private Placements (PDF)
• Rating Credit Risk (PDF)
• Real Estate Loans (PDF)
• Related Organizations
• Retail Lending Examination Procedures
• Retail Nondeposit Investment Sales (PDF)
• Review of Regulatory Reports (PDF)
• Risk Management and Insurance (PDF)
• Risk Management of Financial Derivatives (PDF)
• Securities Activities (PDF)
• Sampling Methodologies (PDF)
• Trade Finance (PDF)

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Consumer Compliance Booklets

• Community Reinvestment Act Examination Procedures (PDF)
• Compliance Management System (PDF)
• Depository Services (PDF)
• Electronic Fund Transfer Act-Regulation E (PDF)
• Fair Credit Reporting (PDF)
• Fair Lending (PDF)
• Flood Disaster Protection (PDF)
• Home Mortgage Disclosure (PDF)
• Homeownership Counseling Examination Procedures (PDF)
• Other Consumer Protection Laws and Regulations (PDF)
• Overview (PDF)
• Privacy of Consumer Financial Information (PDF)
• Protecting Tenants at Foreclosure Act of 2009 (PDF)
• Real Estate Settlement Procedures (PDF)
• Servicemembers Civil Relief Act of 2003 (PDF)
• Truth in Lending Act (PDF)

Note: Risk-based consumer compliance procedures for community banks are on pages 121-133 of the Community Bank Supervision (PDF).

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Thrift Publications 

• Office of Thrift Supervision (OTS) Examination Handbook
• OTS Trust and Asset Management Handbook

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