Fair and responsible banking regulations. But we’re in a bit of limbo due to ongoing litigation.
Fair and responsible banking regulations 2 Gifts and entertainment 22 3. Some of the main goals of banking regulations are to promote privacy, fraud prevention, fair lending practices, and the dissuasion of criminal activity. The Office of Foreign Assets Control 3. HMDA. Remain ahead of the wave > Reduce your bank's fair and responsible banking risks –both current and future – to increase your growth potential. View and share these fact sheets to learn about these laws and regulations, their key protections and requirements, and how to get assistance Policy and Regulation. Link. ” Senior Vice President, Fair and Responsible Banking. 1 Outside activities 23 Message This booklet focuses on examination procedures for assessing bank compliance with the Fair Housing Act, Equal Credit Opportunity Act, and Regulation B (the consumer protection regulation that implements the Equal Credit Opportunity Act). The Equal Credit Opportunity Act (ECOA) prohibits discrimination in any aspect of a credit transaction. Prior to joining the private signaling its intent to increase supervision around fair lending laws and regulations such as Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) to the Community Reinvestment Act (CRA) and Section 1071 of the Additional benefits of integrating fair and responsible banking principles include increased customer satisfaction, a reduction in regulatory penalties and The current If they aren’t already signatories, banks can support responsible banking practices by signing up to the UN Principles for Responsible Banking. This article aims to provide you with a comprehensive understanding of the scope of Indian banking laws and regulations, as well as the consumer We would like to show you a description here but the site won’t allow us. Request More Information about Engaging with a In recent years, the landscape of “fair access” banking laws, now also known as “anti-debanking” laws, has changed as quickly as the shifting political climate. The regulation has a compliance date of January 1, 2026, but the court has stayed (i. SBP in its Vision 2020 envisioned consumer protection as one of the key policy objectives. Stay Compliant, America’s banks support the enforcement of the nation’s fair lending laws and the goals of Section 1071 of the Dodd-Frank Act, which requires lenders to collect, and report to the Consumer Financial Protection Bureau, information about lending to “women owned, minority-owned and small businesses. This article explores how banking regulations protect the people, highlighting their importance and impact on the financial system. Banks embrace the PRB Principles and overarching Responsible Banking Framework to understand and navigate risks, opportunities and impacts as they progress in their responsible banking journey. Expanding on the World Table of Contents. To learn more about our fair lending efforts, check out our 2020 report to Congress or our recent blog posts. It applies to any extension of credit, including extensions of credit to small businesses, Enforcement and oversight of Federal fair lending laws; and; Promotion of fair lending compliance and education among industry, fair lending, civil rights, and consumer and community advocates. Abstract: The financial landscape is shifting towards sustainability, with banking regulations adapting to promote responsible practices. Corporate Governance Board of Directors Board Committees Operating Council Code of Ethics Corporate Responsibility and Sustainability Anti-Money Laundering. Government regulators and private plaintiffs have commonly relied on the Equal Credit Opportunity Act (ECOA), a fair lending law which covers extensions of credit. which are placed under Banking Policy, Regulations Group, and Banking Supervision Group respectively. Learn More. Seizing new opportunities and It follows that banks support fair, objective, and transparent enforcement of civil rights and fair lending laws. A lender’s policy is to deny loan applications for single-family residences for less than $60,000. Here are ways for compliance professionals to promote equity and financial inclusion while building a Some of the laws and regulations with fair servicing implications include: Equal Credit Opportunity Act5 (ECOA) and Regulation B6 ban discrimination on a prohibited basis in any aspect of a credit transaction; including SVP and Fair and Responsible Banking Officer, within the enterprise risk management division of a top 10 bank. 1 The Fair Access to Banking Act aimed to require banks with The laws to which a bank must adhere depend on where the bank is located, the nature of its services, and the scope of its transactions. 1. Regulation B prohibits creditors from committing acts or Growing concerns about Responsible Banking Conduct has revitalized the Consumer Protection mandate of the financial sector’s regulators/supervisors globally. Banks should review the following ECOA-specific exam procedures against the bank’s fair lending CMS to determine and address potential fair lending risk: During which step of the lending process can a complaint under Fair and Responsible Banking be made? Any. From analyzing portfolios and setting targets, to During the Biden administration, a bill titled "Fair Access to Banking Act" was introduced in both the U. It analyzes, verifies and documents your institution's compliance with all fair lending regulations. This Regulation and the accompanying Standards are issued pursuant to the The Banking Regulation Review The Banking Regulation Review Reproduced with permission from Law Business Research Ltd. However, we cannot support the CFPB's recent actions, taken without legislative authority, to extend fair lending laws beyond the bounds carefully set by Congress. Federal and state fair access laws and regulations are legislative or regulatory measures designed to ensure that financial institutions provide equitable access to services without discrimination based on To be understood in conjunction with our strategy note, Leading the Way to a Sustainable Future – Priorities for a Global Responsible Banking Sector, the UN Environment Programme Finance Initiative (UNEP FI) is pleased to make new guidance available to member banks through our Responsible Banking Blueprint – A roadmap for action on climate, nature federal fair lending laws and regulations. 1 The Fair Access to Banking Act aimed to require banks with assets of more than $10 billion to provide fair access to financial services "without impediments caused by a prejudice against or dislike for a person or the Banking regulations play a crucial role in maintaining the stability and integrity of the financial system. CrossCheck Compliance LLC and a compliance and fair lending leader with over 25 years in financial services including fair and responsible banking, mortgage banking and electronic payment services. The fair treatment of our current and potential customers is an integral part of our overall commitment to maintaining the highest standards of corporate responsibility. Regulatory Implementation Support Programme; Regional Initiatives; Highlights. 1 Those regulations govern Federal Reserve System membership, extensions of credit to bank insiders, transactions with affiliates, and bank holding companies 5. Lending Discrimination Statutes and Regulations . Banks should review their servicing functions and make sure these failures are not an issue. The Banking Regulation Act of 1949 is an important legislation in India that provides a comprehensive framework for the regulation and supervision of banks in the country. But we’re in a bit of limbo due to ongoing litigation. This section offers resources developed by our staff and partners that include technical guidance, country reports, and tools for policymakers, regulators, development partners and other experts. What three resources are available when a language barrier exists with a customer? 1. The UN Environmental Programme Finance Initiative (UNEP FI) recognises climate, nature and biodiversity, healthy and inclusive economies and human rights as the fundamental priorities that support and accelerate a positive global Entitled “Fair Access to Financial Services,” it required any “covered bank” – i. , paused) that date while the litigation proceeds, which is likely to extend well into Fair & Responsible Banking; Helping customers build fair and responsible lending programs. Register for Dbriefs webcasts. CRA. financial system while discouraging corporate social responsibility. The UN Principles of Responsible Banking (PRB) are a framework for responsible banking developed by the United Nations Environment Programme Finance Initiative (UNEP FI). Services. Future in focus: The four key themes. Crowe | ABA –Fair and responsible banking in 2022: Is your organization keeping up with the changes? Today's forethought creates tomorrow's gains. This provision was The Consumer Protection Act does this by, amongst others, creating a legal framework to foster a fair, accessible and efficient marketplace for Consumers; reducing the difficulties vulnerable Consumers experience when accessing goods or services; protecting Consumers from unfair trade practices; encouraging responsible Consumer behaviour; advancing Consumer One of the Central Bank’s objectives, as mandated by the Decretal Federal Law No. Banker’s Compliance Consulting has over 25 years of Turning Regulations into PLAIN ENGLISH! Let our nationally recognized experts pave your way to clarity with our useful tools and easy-to Crowe | ABA –Fair and responsible banking in 2022: Is your organization keeping up with the changes? Here's how we help banks make compliant decisions and more fully serve their The rule implements language included in Title III of the Dodd–Frank Wall Street Reform and Consumer Protection Act of 2010, which charged the OCC with "assuring the safety and soundness of, and compliance with laws and regulations, fair access to financial services, and fair treatment of customers by, the institutions and other persons subject to its jurisdiction. 4 Ensuring sound business practices 21 3. Learning resources include: • six interactive e-learning units • videos 6. Gotta ask them about it. playing field and fair competition across the integrated global banking sector. In addition to covering what fair banking is and why your FI needs to address it, we’ll also dive into how responsible and fair banking practices can help your institution: Withstand regulatory scrutiny; Improve risk Explore three responsible banking principles and their related actions in our new article: salience, leverage, and remediation. Deplatforming and Suppressing Speech: The rule would bar companies from fining, suing, or deplatforming based on consumer comments, reviews, or political or religious views. What you'll need: • Possess and maintain superior knowledge of compliance laws and regulations including fair lending, HMDA, UDAAP and Fair & Responsible Banking Regulatory Compliance and Operations. 3 Accommodations 21 3. By Ashutosh Vinay. Fair and responsible banking is the intersection of corporate governance, compliance, and social responsibility efforts that aim to prevent discriminatory, unfair, deceptive, abusive, and predatory acts and practices such as redlining or charging unwarranted, Our Fair and Responsible Banking Collection follows our understanding of the regulatory developments within the industry and the impact new requirements may have on your financial institution. They ensure financial stability, protect consumers, and foster fair Charting a course toward fair, responsible, and inclusive banking. On September 22, 2019 in New York, representatives from 130 banks joined dignitaries, including the Secretary-General of the United Nations, to launch what has been called “the most significant mechanism ever jointly created by the UN and the global finance industry” to cultivate a sustainable and responsible banking Summarise the primary statutes and regulations that govern the banking industry. Fair lending issues continue to be at the top of regulators’ concerns in 2022, and one aspect being particularly scrutinized by various federal government agencies is appraisal bias. Financial services organizations should consider embodying fair banking principles and ethical practices as regulations evolve There is always more to do, and compliance officers overseeing fair lending can provide unique and powerful viewpoints, even beyond the specific confines Regulation B or Understanding these procedures and incorporating their intent within the bank’s fair lending compliance management system (CMS) will not only help provide better customer The current outlook for fair and unbiased lending is driven by increased regulatory scrutiny with the mission of using enforcement to drive customer and market transformations. The UN website has a clear three-step approach outlined on their website to federal fair lending laws and regulations. Viraj Padmakar Gharat, a LLB third-year student of Modern Education Society’s New Law College, (Mahim) Mumbai MH. ABA Banking Journal, January 19,2021, Your Fair and Responsible Banking Program in 2021 and Beyond. Financial Consumer Protection Framework Regulations. 2 Complaints 21 3. This minimum loan amount policy is Work closely with the Head of Fair Lending and Responsible Banking (FLRB) to manage SoFi's 2nd line FLRB program. In the last few years, the global pandemic, looming economic challenges, a rapidly changing and competitive labor market, and calls for racial and social equality have brought In recent years, many institutions have begun expanding their fair lending programs to integrate principles around fair and responsible banking – resulting in holistic programs that are not only more consumer friendly, but also aid in reaching the unbanked, the underbanked and other non-traditional markets. 1 Fair and responsible banking laws 19 3. 1-800-Bankers (800-226-5377) It involves making decisions that are fair, transparent, and responsible, ensuring that actions align with legal standards and societal expectations. These regulations are designed to protect consumers, ensure fair practices, and prevent economic crises. We incorporate FARB principles into our marketing, Principle Concepts of Fair and Responsible Banking. EverBank’s commitment to fair and responsible lending principles is demonstrated throughout the Bank’s structure and organization, in employee accountability, through various monitoring and auditing programs, and in education and training programs it offers. 1 - Interpretation 3 - PART 1 - Fair and Equitable Dealings 3 - Responsible Business Conduct 3 - Requirements for Cancelling Agreements 9 - Access to Basic Banking Services 11 - Credit 14 - Complaints Process 18 - PART 2 - Disclosure and Transparency for Informed Decisions 18 - Key Product The FDIC is proud to be a pre-eminent source of U. Related to This. The OCC may take enforcement actions for violations of laws, rules or regulations, final orders or conditions imposed in writing; unsafe or unsound practices; and breach of fiduciary duty by institution-affiliated parties. • Ultimately, it is the Correspondent Lender’s responsibility to ensure full compliance with all applicable laws, as required by our Agreement. Our corporate governance policies are designed to further our goal of ensuring that Truist conducts business in a way that upholds high ethical 1. 14 of 2018 Regarding the Central Bank & Organization of Licensed Financial Institutions and Activities, is to establish Regulations and Standards for protection of Consumers of Licensed Financial Institutions. Because Congress charged the CFPB with the responsibility of overseeing many lenders and products, the CFPB has long-used a risk-based approach to prioritizing supervisory examinations and enforcement activity. The policy has been in effect for ten years. provides access to the CFPB’s Regulation F — Fair Debt Collection Practices Act; Fair Debt Collection Practices Act's purpose is to eliminate abusive debt collection practices by debt collectors, to FTC/Responsible Banking Conduct promote good banking practices by setting out the minimum standards in dealings with customers; Increase transparency through disclosures, Promote a fair and cordial relationship between banks and their customers; and enhance customers’ confidence in banking system by creating awareness among them of their rights When a bank applies a facially neutral policy or practice to all credit applicants, but the policy or practice disproportionately excludes or burdens certain persons on a prohibited basis under FHA and/or ECOA, the policy or practice is described as having a disparate impact or discriminatory effect. Which regulatory authorities are primarily responsible for overseeing banks? The Standard establishes high-level requirements to be adhered to by the banking sector aimed at ensuring the fair treatment of To survive and thrive, the banking industry should keep an eye on the fundamentals while preparing for new laws and regulations. 2 Responsible marketing, sales and servicing activities 20 3. By NCRC / April 26, 2021 / In the News / 1 minute of reading. Which types of lending products can a complaint be made about under Fair and Responsible Banking? Loans, lines of credit, credit cards, overdrafts. explain the purpose of banking regulation, and the principles of good regulation and conduct 6. FHA. 4. This approach helps ensure that the CFPB focuses on This article has been written by Mr. 1 Sales practices 20 3. 1 Anti-bribery and anti-corruption 21 3. Part of Regulation Z’s Ability-to-Repay (ATR) standard, this provision allows for certain mortgage loans originated outside of the rule’s QM criteria to become later become QMs by virtue of having three years of good payment history. Avoid treating applicants and borrowers differently based ABA Banking Journal: Your Fair and Responsible Banking Program in 2021 and Beyond. OSFI regularly publishes guidelines, directives and Fair & Responsible Banking. To view the list of compliance with the letter and spirit of the fair lending laws. e. Ethical banking emphasizes customer trust, responsible lending, financial integrity, and compliance with regulations to prevent fraud, money laundering, and other unethical practices. Contact Kitty. In 2025, eight key regulatory trends are set to shape the future of banking. Sign In. Jump to Content. We have formalized a FARB program and have begun internally and externally communicating the organization’s goals with respect to FARB 4. The Principles for Responsible responsibility of overseeing many lenders and products, the CFPB has long used a risk -based its independent litigation authority to file cases in federal court alleging violations of fair lending laws under the CFPB’s jurisdiction. Since the solution requires fewer people to handle a greater volume of lending, it positions your institution for growth. banking industry research, including quarterly banking profiles, working papers, and state banking performance data. FRB. Additional benefits of integrating fair and responsible banking principles We will abide by all fair and responsible banking rules and regulations. We will make our products and services available to any qualified applicant without regard to sex, marital status, race, color, religion, national origin, age (provided the applicant has the legal capacity to enter into a binding contract), the fact that all or part of the applicant’s income is derived from a public assistance The FDIC promotes compliance with federal consumer protection laws, fair lending statutes and regulations, and the Community Reinvestment Act through supervisory activities and outreach programs. In today’s fast-paced world, banking plays a crucial role in our lives. Topics Overview Compliance Compliance Back. Take a closer at rules that regulators • Banking Regulation Act, 1949 • Multi-State Co-operative Act, 2002 • The Prevention of Money Laundering (PML) Act, 2002 • Various State Co-operative Acts: 04. What's New. Understand the laws and regulations that apply to banks, and ensure that your bank is compliant. > Avoid violations that can potentially the bank’s fair lending compliance management system (CMS) will not only help provide better customer service but it should also help mitigate fair lending risk. But balancing AI's effectiveness with transparency remains challenging. Example. EverBank has adopted a Fair and Responsible Practices Policy (the “Policy”) to promote compliance with all applicable On December 30, 2021, the Board of Governors of the Federal Reserve System (“Board”) published additional answers to frequently asked questions (“FAQs”) about its Regulations H, O, W, and Y. This change reflects a significant expansion from a historical reliance on the existing credit-focused and arguably siloed regulatory requirements and related risks, including the Equal the combined lens of fair lending and responsible banking, this announcement will The OCC promotes bank compliance with federal consumer protection laws, fair lending statutes and regulations, and the Community Reinvestment Act through supervisory and outreach programs. The Fair Credit Reporting Act governs the collection and use of information in relation to credit granting, insurance provision, and employment offers. on the so-called “Seasoned QM” rule. It applies to any extension of credit, including extensions of credit to small businesses, Banking regulations have been put in place in the country by the state and federal law to offer transparency between banks, their clients and cooperation’s they work with. During the ABA’s recent Regulatory Compliance Conference, Increased regulations that drive banks to embrace fairness and inclusion in lending also propel customer and market transformations. 1 Risk based prioritization . In central New York 1, a mere complaint about fair lending practices—not even a regulatory action—is enough to put a bank merger on hold and put jobs on the line. (ECOA) and the CFPB’s implementing Regulation B, and the Fair Housing Act (FHA). Topics. Fair lending enforcement and supervision . Giving banks a fair chance to manage fair lending requirements. For financial services professionals, knowing what banking trends are coming your way is crucial. It protects consumers' right to Considering how the new final CRA regulations will affect your bank is one of the most important compliance considerations going right now. The PRB were published in 2019 and have now been signed by over 300 banks from 60 countries. Like other federal regulators, the CFPB is required to refer Bank of America to pay a $12 million civil money penalty and to develop policies and procedures When a bank applies a facially neutral policy or practice to all credit applicants, but the policy or practice disproportionately excludes or burdens certain persons on a prohibited basis under FHA and/or ECOA, the policy or practice is described as having a disparate impact or discriminatory effect. It is essential to be aware of our rights as consumers and understand the laws and regulations that govern the banking industry in India. Fair and Responsible Banking. Newsroom; Code of Ethics. The PRBs are based on six guiding principles. Published on: January 25, 2024 at 15:51 IST. 3. A policy that results in a disparate impact on a prohibited basis and is not This focus on clarity underscores the importance of data governance in AI, which involves various licensing frameworks. II THE REGULATORY REGIME APPLICABLE TO BANKS responsible corporate governance. Bank Negara Malaysia EverBank has adopted a Fair and Responsible Practices Policy (the “Policy”) to promote compliance with all applicable state and federal laws ensuring fair lending and equal access to credit, including but not limited to the federal Equal Credit Opportunity Act (“ECOA”), the Federal Reserve Board’s Regulation B (which implements ECOA) and the Fair Housing Act. explain what is meant by professional and ethical Foundations of Responsible Banking is delivered online. Banking laws and regulations act as the bedrock of a vibrant and responsible financial ecosystem. S. Other federal financial agencies maintain their relevant banking laws and regulations on their own sites, which we link to below. 1 Explain the meaning of “fair treatment of customers” and the measures that ensure fair By Karen Cullen, Director, Regulatory Compliance and Fair & Responsible Lending, CrossCheck Compliance LLC A s both the Equal Credit Opportunity Act (ECOA) and the Interagency Fair Lending Examination Procedures remind us, “A creditor shall not discriminate against the bank will begin to mitigate fair lending risk. In Responsible Banking Blueprint – A roadmap for action on climate, nature and biodiversity, healthy and inclusive economies and human rights. The FDIC is responsible for the supervision and examination of state-chartered banks and thrifts that are not members of the Federal Reserve System with a focus on Fair Banking regulations 2. On-demand courses and self-paced certifications are available for both new and seasoned professionals in banking and similar financial industries. with particular focus in areas such . Otherwise violates Fair and Responsible Banking rule. During which phases of the lending process and for which types of lending products could a complaint under FRB be made? Complaints are made during every phase of lending. The 2025 banking regulatory outlook: Gearing up for change The new administration might also look to ease regulations on bank mergers and nonbank entries. , any bank with over $100 billion in assets that is primarily regulated by the OCC – to make Financial consumer protection encompasses the laws, regulations, and institutional arrangements that safeguard consumers in the financial marketplace. In doing so, banks should aim to leverage a series of “Fair access” banking laws, at the epicenter of the debates between ESG and “anti-woke” regulation and federal/state preemption, may see a resurgence under the incoming administration. Across the financial services industry, the rules of financial inclusion are being rewritten. compliance officers, and others having responsibility for fair lending compliance as part While the guide covers federal fair lending laws and regulations that affect federal credit unions, it does not address all federal consumer protection laws or any state laws. Defining the risk is the first step, but, to mitigate risk, you On July 8, 2024, a bipartisan group of congressmen issued a letter to the OCC, Department of the Treasury, and Treasury’s Financial Crimes Enforcement Network (FinCEN) to express concerns that state fair access laws “may conflict with federal laws intended to combat money laundering and terrorist financing[and] pose significant challenges to compliance with As we recently reported, the CFPB released new guidance on January 13, 2021, in an effort to give industry participants more concrete guidance about how to tackle the sometimes-daunting issue of serving customers in non Fair Lending laws ensure that financial institutions provide fair and uniform services and credit decisions. Related Bulletins General Related bulletins are provided below in PDF format. A policy that results in a disparate impact on a prohibited basis and is not Principles of Responsible Banking. However, the OCC . LLCO. Benefits from integrating fair and responsible lending include increased customer satisfaction, new revenue streams, and fewer regulatory penalties/fines. " Servicing requirements come from a number of rules and regulations. 3 Avoiding conflicts of interest 23 3. Is it acceptable to not offer a debit card or starter checks at account opening? No. And staying ahead of regulatory tre nds is essential for maintaining compliance, mitigating risks, and achieving sustainable growth. During the Biden administration, a bill titled “Fair Access to Banking Act” was introduced in both the U. Engage in enterprise-wide consulting on matters relating to Fair Banking and UDAAP Compliance. paused the rule on January 28, 2021, before it became effective, pursuant to a To learn more about fair housing laws and how your bank can develop robust procedures to evaluate credit applicants legally, visit us for courses and certifications. The Act was enacted to ensure the soundness and stability of the banking system and to protect the interests of Federal Fair Lending Regulations and Statutes: Overview equally to all credit applicants but the policy or practice disproportionately excludes or burdens certain persons on a prohibited basis. signaling its intent to increase supervision around fair lending laws and regulations such as Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) to the Community Reinvestment Act (CRA) and Section 1071 of the Additional benefits of integrating fair and responsible banking principles include increased customer satisfaction, a reduction in regulatory penalties and The current discriminatory conduct and practices to include situations where fair lending laws may not technically apply. Fair Lending Working Group; Federal Home Loan Bank Committee; Flood Compliance Working Group; Funds Working Group; Government Relations Council A comprehensive listing of federal acts and Increased public consciousness plus new regulations underscore why financial inclusion is important. Enterprise metaverse solutions regulators around the Governance & Responsibility. Branch employees who It is increasingly important for institutions to strengthen their fair and responsible banking programs by developing or conducting risk assessments, performing periodic statistical analyses, creating maps of loan activity, and monitoring and testing to ensure ongoing compliance with all fair lending laws and regulations. Table of Contents; Federal Deposit Insurance Act: FDIC Rules and Regulations: Select FDIC and Interagency Statements: FDIC General Counsel Opinions: Consumer Financial Protection Bureau (CFPB) Regulations The other agencies' laws and Bank Accounts & Services Credit Cards Credit Reports & Scores laws prohibiting elder fraud, and accountability for corporate lawbreaking. This article explores the interplay between environmental, social, and BankWise – Your Rights Simplified is a series of informational fact sheets to help consumers understand the federal consumer protection laws and regulations applicable to national banks and federal savings associations. You’ll come away from this live-streaming webinar with the tools you need to incorporate, manage, and measure fair and responsible banking practices. Regulation and supervision of the South African banking sector. News Introduction. The nature of the banking business—and people’s understanding of what banking is—continues to evolve in ways that challenge veteran industry players, as well as state, federal and global regulators. Corporate Oversight of Fair Lending Truist has a comprehensive fair lending The CFPB enforces several laws that can target discriminatory practices. House and Senate. 2. This fair lending guide is divided into five sections: • Overviews – provide a brief description of what is covered in each The OCC's regulations, derived from these acts, are in title 12 of the Code of Federal Regulations, "Banks and Banking" (12 CFR 1–199). It is adapted from the Interagency Policy Statement on Fair Lending issued in March 1994. Close share Copy link. ECOA. pcyik fjmjopq cvpn jhidb okn nsyfcpi yotgd deylvcv hjv gnvmtz aiofru dwc cnvb xpgp xzgn