The FDIC has released two new resources to help bankers and depositors understand FDIC deposit insurance coverage: (1) FDIC’s most popular consumer brochure, Your Insured Deposits, is now available in a large- print version for visually impaired individuals; and (2) the new FDIC Deposit Insurance Coverage for Bankers, a self-paced, computer-based t
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Financial institutions purchase loan participations to achieve growth and earnings goals, diversify credit risk, and deploy excess liquidity. Some institutions have successfully participated in shared credit facilities, which are arranged by bank and nonbank entities, by implementing effective due diligence and prudent credit risk management practi
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The FDIC has announced a series of steps intended to provide regulatory relief to financial institutions and facilitate recovery in areas affected by Hurricane Isaac.
On August 15, 2012, the Federal Deposit Insurance Corporation, the Board of Governors of the Federal Reserve System, the Consumer Financial Protection Bureau, the Federal Housing Finance Agency, the National Credit Union Administration, and the Office of the Comptroller of the Currency issued the attached Notice of Proposed Rulemaking (NPR) and req
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As a part of its ongoing Community Bank Initiatives, the FDIC is developing a regulatory calendar to help community banks stay up-to-date on changes in federal banking laws, regulations, and supervisory guidance. The calendar will summarize regulatory developments and highlight key dates to facilitate industry comment and compliance. A draft of the
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The FDIC has issued a final rule that would prohibit state and federal savings associations from acquiring or holding a corporate debt security when the security's issuer does not have an adequate capacity to meet all financial commitments under the security for the projected life of the security. The final rule is being issued under section 939(a)
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The FDIC has announced a series of steps intended to provide regulatory relief to financial institutions and facilitate recovery in areas of Florida affected by Tropical Storm Debby.
The Consolidated Reports of Condition and Income (Call Report) for the June 30, 2012, report date must be received by Monday, July 30, 2012. Certain institutions with foreign offices have an additional five calendar days to submit their reports. As discussed in FIL-29-2012, dated June 29, 2012, the Call Report revisions taking effect this quarter w
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The FDIC has announced a series of steps intended to provide regulatory relief to financial institutions and facilitate recovery in areas of Colorado affected by wildfires.
The federal bank regulatory agencies (the agencies) have jointly issued the attached Notice of Proposed Rulemaking (proposed rule) that would revise the measurement of risk-weighted assets by implementing changes made by the Basel Committee on Banking Supervision (BCBS) to international regulatory capital standards and by implementing aspects of th
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The federal bank regulatory agencies (the agencies) have jointly issued the attached Notice of Proposed Rulemaking (proposed rule) that would amend the advanced approaches risk-based capital rules (advanced approaches rules) to incorporate revisions to the Basel capital framework published by the Basel Committee on Banking Supervision (BCBS), and w
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The federal bank regulatory agencies (agencies) have jointly issued the attached final rule modifying the risk-based capital standards for market risk. The final rule incorporates improvements to the current trading book capital regime as proposed by the Basel Committee on Banking Supervision in Revisions to the Basel II Market Risk Framework publi
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The federal bank regulatory agencies (the agencies) have jointly issued the attached Notice of Proposed Rulemaking (proposed rule) that would revise the general risk-based capital rules to incorporate certain revisions by the Basel Committee on Banking Supervision to the Basel capital framework (Basel III). The proposed rule would generally revise
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The Summary of Deposits (SOD) is the annual survey of branch office deposits as of June 30 for all FDIC-insured institutions, including insured U.S. branches of foreign banks. All institutions with branch offices are required to submit the survey; institutions with only a main office are exempt. All survey responses are required by July 31, 2012. N
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The Summer 2012 issue of Supervisory Insights features articles of critical interest to examiners, bankers, and supervisors. These articles include a discussion of the importance of open communication between regulators and community bankers to an effective supervisory process, an overview of the credit-related stress-testing process for community
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The Consumer Financial Protection Bureau (CFPB) issued Bulletin 2012-02 on April 2, 2012, to provide additional guidance on permissible forms of compensation to loan originators under the Truth in Lending Act - Regulation Z's Compensation Rules (12 C.F.R. § 1026.36). The Bulletin addresses whether and how the Compensation Rules apply to qualified p
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The Consolidated Reports of Condition and Income (Call Report) for the March 31, 2012, report date must be received by Monday, April 30, 2012. Certain institutions with foreign offices have an additional five calendar days to submit their reports. FDIC-supervised savings associations will begin to file the Call Report this quarter in place of the T
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The FDIC has announced a series of steps to provide regulatory relief to financial institutions and facilitate recovery in areas of West Virginia affected by severe storms.
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