100+ Free CCBCO Practice Questions

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Under Regulation Z and TRID, when must the Loan Estimate be delivered or placed in the mail to a consumer applying for a covered closed-end mortgage?

No later than 3 business days after the creditor receives the consumer's application

No later than 7 business days after the creditor receives the consumer's application

No later than 3 business days before consummation

Only after the appraisal is completed

to track

2026 Statistics

Key Facts: CCBCO Exam

100 Qs

Practice Bank Size

OpenExamPrep

May 26, 2026

Exam Date

ICBA online portal

$2.5-3.5K

Institute + Exam Cost

ICBA pricing range

30 / 3 yrs

CE Requirement

ICBA renewal

8 days

Compliance Institute Length

ICBA 2026 schedule

ICBA

Administrator

Independent Community Bankers of America

CCBCO candidates complete ICBA's pre-Institute Compliance Management System online course, attend the 8-day Compliance Institute (May 12-15 and 19-21 in 2026, with livestream available), and sit for the certification exams via ICBA's online portal on May 26, 2026. Total tuition plus exam fees typically run about $2,500-$3,500. Renewal requires 30 continuing education credits every 3 years.

Sample CCBCO Practice Questions

Try these sample questions to test your CCBCO exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Under Regulation Z and TRID, when must the Loan Estimate be delivered or placed in the mail to a consumer applying for a covered closed-end mortgage?

A.No later than 3 business days after the creditor receives the consumer's application

B.No later than 7 business days after the creditor receives the consumer's application

C.No later than 3 business days before consummation

D.Only after the appraisal is completed

Explanation: TRID requires the creditor to deliver or mail the Loan Estimate within 3 business days of receiving an application meeting the six-piece application definition. The Closing Disclosure has a separate 3-business-day-before-consummation rule. Confusing these timelines is a common TRID violation cited in CFPB exams.

2A community bank issues a revised Closing Disclosure with a changed APR that exceeds the tolerance. Under TRID, what is the consumer entitled to before consummation?

A.A new 3-business-day waiting period before consummation

B.Only a re-disclosure with no waiting period

C.A 7-business-day waiting period before consummation

D.Cancellation of the loan with no further action

Explanation: TRID requires a new 3-business-day waiting period before consummation when there is a change in APR beyond tolerance, a change in loan product, or the addition of a prepayment penalty. Other corrections may be re-disclosed without restarting the clock.

3Which of the following fees falls into TRID's zero-tolerance category, meaning the actual amount may not exceed the amount disclosed on the Loan Estimate without a valid changed-circumstance reason?

A.Lender origination charge

B.Title insurance from a settlement agent the consumer shopped for off the lender list

C.Recording fees and government taxes

D.Property survey fee from a service provider not on the written list

Explanation: Lender or mortgage broker fees, transfer taxes, and fees paid to an affiliate of the creditor are zero-tolerance items under TRID. Recording fees fall into the 10% bucket, and services the consumer shopped for outside the written provider list are unlimited tolerance.

4A loan is structured so the borrower's debt-to-income ratio is 41%. To rely on the General Qualified Mortgage safe harbor presumption of compliance with the Ability-to-Repay rule prior to the price-based amendment, the DTI generally could not exceed what threshold?

A.43%

B.36%

C.50%

D.28%

Explanation: Under the original General QM definition, the borrower's DTI could not exceed 43% to obtain the QM safe harbor. The CFPB later amended the General QM rule to a price-based threshold, but the 43% DTI figure remains the most-tested historical benchmark on compliance exams.

5A community bank originates a high-cost mortgage subject to HOEPA. Which of the following is required by HOEPA before consummation?

A.Pre-loan counseling from a HUD-certified housing counseling agency

B.A second appraisal regardless of loan amount

C.Recording of the borrower's call with the lender

D.Approval from the bank's primary federal regulator

Explanation: HOEPA requires that consumers receive pre-loan counseling from a HUD-certified counselor before the lender extends a high-cost mortgage. HOEPA also imposes restricted features and special disclosures, but pre-loan counseling is a unique high-cost requirement.

6Regulation Z's right of rescission generally applies to which of the following loans?

A.A refinance with a non-creditor of a principal dwelling that increases the loan amount

B.A purchase-money mortgage to acquire the consumer's principal dwelling

C.A residential construction loan

D.A business loan secured by the borrower's business property

Explanation: Rescission applies to closed-end and open-end consumer credit secured by the consumer's principal dwelling, including most refinances with a different lender and most home equity loans. Purchase-money mortgages, initial construction loans, and business-purpose credit are excluded.

7Under Regulation B (ECOA), which of the following is NOT a prohibited basis for discrimination in a credit transaction?

A.Income source from a part-time second job

B.Receipt of public assistance income

C.Marital status

D.Exercise in good faith of any right under the Consumer Credit Protection Act

Explanation: ECOA prohibits discrimination on race, color, religion, national origin, sex, marital status, age, receipt of public assistance, and good-faith exercise of CCPA rights. The amount and stability of part-time income may be considered, although a creditor may not discount or refuse to consider part-time income on a prohibited basis.

8Under Regulation B, when must a creditor notify an applicant of action taken on a completed application for credit?

A.Within 30 days after receiving a completed application

B.Within 60 days after receiving any application

C.Within 90 days of consummation

D.Within 10 business days of receipt

Explanation: Regulation B generally requires a creditor to notify an applicant of action taken within 30 days after receiving a completed application. Different timing applies for incomplete applications, counteroffers, and existing credit account adverse actions.

9A creditor uses a credit score from a consumer reporting agency in setting the rate on a consumer's mortgage application. Which notice must the creditor provide to the applicant?

A.A risk-based pricing notice or credit score disclosure exception notice under FCRA

B.A periodic statement under Regulation E

C.An affiliate marketing notice under Regulation V

D.A notice of error resolution rights under Regulation Z

Explanation: FCRA's risk-based pricing rule requires creditors that use a consumer report to set materially less favorable terms to deliver a risk-based pricing notice. Many mortgage lenders rely on the credit score disclosure exception notice that includes the score and key factors for all applicants.

10Under Regulation X (RESPA) Section 8, which of the following arrangements is most clearly prohibited?

A.Paying a real estate agent a fee for referring a borrower to the bank's mortgage department

B.Paying a loan officer a salary regardless of loan volume

C.Paying for marketing services performed at fair market value with no referral component

D.Refunding excess escrow funds at year-end analysis

Explanation: RESPA Section 8(a) prohibits giving or receiving a thing of value in exchange for the referral of settlement-service business. Paying for actual services rendered at fair market value can be lawful under Section 8(c)(2), but pure referral fees are prohibited.

About the CCBCO Exam

The CCBCO is ICBA's flagship community bank compliance officer credential. Earned by completing the Compliance Institute (in-person or livestream), the pre-Institute Compliance Management System course, and the ICBA certification exams, it focuses on lending, deposit, BSA/AML, UDAAP, operations, and CMS expectations specific to community banks.

Assessment

Multiple modules of multiple-choice questions tied to the ICBA Compliance Institute curriculum

Time Limit

Multiple modules across exam day

Passing Score

Pass mark set by ICBA

Exam Fee

Compliance Institute tuition + exam fees ~$2,500-3,500 (Independent Community Bankers of America (ICBA))

CCBCO Exam Content Outline

25%

Lending Compliance: TRID & Reg Z

Reg Z TILA disclosures, the TRID 3-3 timing rules for the Loan Estimate and Closing Disclosure, tolerance buckets, HOEPA high-cost mortgage rules, ATR/QM standards, Reg B ECOA, Reg X RESPA, and Section 8 anti-kickback issues.

20%

Lending Compliance: Other Rules

HMDA Regulation C reporting and thresholds, FCRA and FACTA Red Flags, Flood Disaster Protection Act, Fair Housing Act, SAFE Act Reg G MLO registration, Military Lending Act 36% MAPR cap, and SCRA 6% interest rate and foreclosure protections.

15%

Deposit Compliance

Reg D transaction account framework, Reg E EFT error resolution and liability tiers, Reg DD Truth in Savings APY rules, Reg CC funds availability and large-deposit holds, and Reg P privacy notices under GLBA.

15%

BSA/AML & OFAC

BSA program elements, CIP under PATRIOT Act 326, CDD and EDD with FinCEN's beneficial ownership rule, CTR Form 112 and SAR Form 111 thresholds and timing, OFAC SDN screening, and travel-rule recordkeeping.

10%

UDAAP & Consumer Protection

Dodd-Frank Section 1031 unfair, deceptive, and abusive standards, NSF and overdraft fee scrutiny, complaint program design, and emerging UDAAP risk in P2P payments and digital products.

Operations Compliance

Federal benefit garnishment account review and lookback rules, state escheatment and unclaimed property due diligence, and IRA reporting on IRS Forms 1099-R and 5498.

10%

Compliance Management System (CMS)

Board and senior management oversight, risk-based policies and procedures, role-based training, monitoring and complaint programs, third-party risk management, and the three lines of defense supporting independent compliance audit.

How to Pass the CCBCO Exam

What You Need to Know

Passing score: Pass mark set by ICBA
Assessment: Multiple modules of multiple-choice questions tied to the ICBA Compliance Institute curriculum
Time limit: Multiple modules across exam day
Exam fee: Compliance Institute tuition + exam fees ~$2,500-3,500

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

CCBCO Study Tips from Top Performers

1Use this practice bank to reinforce TRID timing (LE within 3 business days of application, CD at least 3 business days before consummation) because lending compliance dominates the exam.

2Build a one-page Reg E vs Reg CC vs Reg DD matrix covering disclosures, error windows, availability schedules, and APY calculations to handle deposit-side questions quickly.

3Memorize BSA reporting forms and timing: CTR (Form 112) over $10,000 in cash, SAR (Form 111) within 30 days of detection (60 with no suspect), and EDD triggers for higher-risk customers.

4Practice UDAAP fact patterns by asking whether the practice causes substantial unavoidable harm, misleads a reasonable consumer, or takes unreasonable advantage of a vulnerability.

5Connect every regulation back to the CMS framework: board oversight, policies, training, monitoring, and audit — the exam often tests CMS application in the context of a specific regulatory issue.

Frequently Asked Questions

How does a candidate earn the ICBA CCBCO credential?

ICBA awards the CCBCO after candidates complete the pre-Institute Compliance Management System online course, attend the Compliance Institute in person or via livestream, and pass the certification exams administered through ICBA's online exam portal.

When is the ICBA Compliance Institute and CCBCO exam in 2026?

ICBA's 2026 Compliance Institute runs May 12-15 and May 19-21, with the livestream option available for both weeks. The CCBCO certification exam is scheduled for May 26, 2026 through the ICBA online exam portal.

What does the CCBCO exam cover?

The exam covers the Compliance Institute curriculum, including lending compliance (Reg Z, TRID, Reg B, Reg X, HMDA, FCRA, flood, Fair Housing, SAFE Act, MLA, SCRA), deposit compliance (Reg D, Reg E, Reg DD, Reg CC, Reg P), BSA/AML/OFAC, UDAAP, operations compliance, and the Compliance Management System.

How much does the CCBCO program cost?

Total program cost generally falls around $2,500-$3,500 for the Compliance Institute tuition plus the certification exam fees, with separate fees for the in-person and livestream Institute, the pre-Institute online course, and the certification exam. ICBA member pricing is generally lower than non-member pricing.

How does CCBCO compare to ABA's CRCM credential?

CRCM, administered by the American Bankers Association, is a longer-format exam (200 questions over 4 hours) and is widely held across community and large banks. CCBCO, administered by ICBA, is structured around the Compliance Institute curriculum and is positioned for community bank compliance officers, with similar regulatory scope.

What are the continuing education requirements for CCBCO?

ICBA generally requires 30 continuing education credits every 3 years to maintain the CCBCO credential. Credits can typically be earned through additional ICBA training, qualifying conferences, in-bank training, and other approved educational activities.