Payday Lending Programs : Revised Examination Guidance
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Payday Lending Programs : Revised Examination Guidance

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Details:

  • Publisher's site:
  • Corporate Authors:
    Federal Deposit Insurance Corporation (FDIC)
  • Description:
    Effective January 1, 2010, institutions subject to the interest rate restrictions under Part 337.6 of the FDIC Rules and Regulations ("restrictions") are required to use the "national rate" to determine conformance with the restrictions. The "national rate" is defined as a simple average of rates paid by insured depository institutions and branches for which data are available. Institutions subject to the restrictions that believe they are operating in an area where the rates paid on deposits are higher than the "national rate" can use the local market to determine the prevailing rate if they seek and receive a determination from the FDIC that it is operating in a high-rate area. Regardless of the determination, institutions must use the national rate to determine conformance for all deposits outside the market area.
  • Content Notes:
    includes a table
  • Subject:
  • Dataset Download URL:
  • Format:
    PDF
  • Release Date:
    12/04/2009
  • Update Date:
    11/03/2011
  • Withdrawn Date:
    04/01/2021
  • Agencies Involved:
    Federal Deposit Insurance Corporation (FDIC)
  • Fdic Employee Involved:
    Sandra L. Thompson;Lou Bervid;Robert B. Reddish;
  • Related Regulation:
    Brokered Deposits;12 C.F.R. Section 337.6;
  • Source:
    FDIC Website
  • Memorandum To:
    FDIC-Insured Institutions
  • Effective Date:
    01/01/2010
  • FIL Number:
    FIL-69-2009
  • Main Document Checksum:
  • Download URL:
  • File Type:

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