Monday, May 21st

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Web Site Compliance Review

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Security Compliance Associates website review program is based on the requirements outlined in the Interagency Guidance on Electronic Financial Services and Consumer Compliance and the Interagency Statement on Retail On-line PC Banking produced by the Federal Financial Institutions Examination Council (FFIEC) as well as FTC, FRS, FDIC, OTS, OCC and NCUA guidelines.

The Website Compliance Review will assess compliance of the institution's home page and all internally linked web pages. Security Compliance Associates will utilize multiple Internet browsers and web development tools to review the website for website construction and ease of navigation, possible security issues, and compliance with relevant state and federal laws and regulations, including the following:

•           Insurance Disclosures

•           FRS, FDIC, OTS, OCC and NCUA Rules and Regulations - Nondiscrimination Requirements (Fair Housing Act)

•           FRS, FDIC, OTS, OCC and NCUA Rules and Regulations - Truth in Savings (Reg DD)

•           FRS, FDIC, OTS, OCC and NCUA Rules and Regulations - Privacy

•           Equal Credit Opportunity Act (Reg B)

•           Home Mortgage Disclosure Act (Reg C)

•           Consumer Leasing Act (Reg M)

•           Electronic Funds Transfer Act (Reg E)

•           Truth in Lending Act (Reg Z)

•           Expedited Funds Availability Act (Reg CC)

•           Non Deposit Investment Disclosure

•           Child On-line Privacy and Protection Act (COPPA)

•           Third Party Link Disclaimer

•           Patriot Act

While examining the above regulations, SCA will also be evaluating the institution's website for compliance with FTC, FRS, FDIC, OTS, OCC and NCUA Rules and Regulations addressing Advertising and the Unfair and Deceptive Practices Act.