investigation within the meaning of section 3413 (h) (1) (A) of the
Right to Financial Privacy Act. Therefore, in accordance with section
3403 (b) of the Act, the undersigned hereby certifies that the OCC has
complied with the Right to Financial Privacy Act, 12 USC 3401, et
seq. Section 3417 (c) of the Act provides that good faith reliance upon
this certification relieves your institution and its employees and agents
of any possible liability to the consumer in connection with the disclo-
sure of the requested information.
Unless otherwise stated, please provide the most recent informa-
tion on the following:&A list of approved changes to the bank’s compliance policies and
procedures since the last examination.
&A description of the bank’s training programs and criteria for
ensuring that employees receive job appropriate compliance
training.FLOOD DISASTER PROTECTION ACT
Bank’s policy and procedures applicable to compliance with the
FDPA:&A copy of bank contract(s) with third parties performing flood
determination services.
&Flood maps used to determine whether a property is in a standard
flood hazard area (SFHA), if available.
&A copy of flood notices.
&List of all loans located in special flood hazard areas.EXPEDITED FUND AVAILABILITY ACT
&The bank’s Reg. CC policy.
&Copy of your funds availability disclosure.
&Hold reports and/or records from the main office and branch of-
fice(s) for the past month.PRIVACY OF CONSUMER FINANCIAL INFORMATION
&Copies of privacy and information security policies and
procedures.
&Describe key internal controls that ensure compliance.186 THE ART OF ISLAMIC BANKING AND FINANCE