In Case 1, data from fiscal 2013 onward -- those for yields on loans, yields on deposits, amount outstanding of loans, and amount outstanding of deposits and negotiable certificates of deposits -- were estimated using the trends calculated from the time-series data from fiscal 2002 through 2012.
The Board also addresses concerns about some practices under other statutes, such as the Truth in Lending Act (TILA) or Truth in Savings Act (TISA). For example, the Board used its HOEPA authority to address the "flipping" of high-cost mortgage loans.