Consumer Loan Policy - $375.00


The purpose of this Consumer Loan Policy Template is to address consumer loan products, underwriting, and related lending operations of a bank, credit union, or other type of financial institution.  In general, the primary purpose of an organization’s consumer lending operations is to generate income while serving the credit needs of all creditworthy consumers within its geographic area by maintaining an effective loan policy and underwriting standards, in conjunction with sound loan administration by its officers and lending personnel, in order to achieve a healthy loan portfolio.  

Table of Contents

Purpose and Contents - Topic 1
Policy Statement - Topic 2
Definitions - Topic 3
Risk Management - Topic 4
Responsibility - Topic 5
General Credit Underwriting Guidelines - Topic 6
Account Management - Topic 7
Unsecured Term Loans - Topic 8
Revolving Lines of Credit - Topic 9
Vehicle Loans - Topic 10
Boat/RV/Trailer Loans - Topic 11
Motorcycle and ATV Loans - Topic 12
Overdraft Protection - Topic 13
Savings/TCD Secured Loans - Topic 14
Employee Consumer Loan Processing Procedures - Topic 15
Payday, Vehicle Title, and High-Cost Installment Loans - Topic 16
Marketplace Loan Program - Topic 17
Student Loan Program - Topic 18
Program Reporting - Topic 19
Collections - Topic 20
Consumer Debt Sales - Topic 21
Secured Loans Discharged in Chapter 7 Bankruptcy - Topic 22
Non-Accrual Status - Topic 23
Risk Rating Assignment - Topic 24
Audit Policy - Topic 25
Staff Training - Topic 26
Retention of Documentation - Topic 27

Includes the following form templates:
Consumer Loan Override Request - (1 page)
Loan Presentation - Consumer - (1 page)

Recent updates to this product:
02/05/18 Update
FDIC - Supervisory Insights Journal – Winter 2017
11/01/17 Update
Payday, Vehicle Title, and High-Cost Installment Loan CFPB Final Rule
07/05/17 Update
Use of SSAE 18 Reports
05/01/17 Update
Revised Retail Lending Booklet - OCC Bulletin 2017-15
07/05/16 Update
New Student Lending Booklet - OCC Bulletin 2016-15
04/04/16 Update
Revised Installment Lending Booklet - OCC Bulletin 2016-3
02/16/16 Update
FDIC Supervisory Insights – Winter 2015

This Consumer Loan Policy Template (approximately 183 pages) is available to purchase from in Microsoft® Word format for $375.00.

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