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OCC Bulletin
April 12, 2005 |
Community Reinvestment Act A joint interim rule for the Community Reinvestment Act (CRA) regulations has been adopted in final form, without change.   |
OCC Bulletin
April 28, 2005 |
Bank Secrecy Act/Anti-Money Laundering Frequently Asked Questions: Final Customer Identification Program Rule |
OCC Bulletin
January 8, 2004 |
Bank Secrecy Act/Anti-Money Laundering Frequently Asked Questions: Final Customer Identification |
OCC Bulletin
December 13, 2006 |
Allowance for Loan and Lease Losses Guidance and frequently asked questions regarding the most recent revisions to the ALLL. |
OCC Bulletin
October 5, 1999 |
Risk-Based Capital A joint statement addresses the agencies' supervisory approach to possible temporary balance sheet growth due to potential unusual market responses around the century date change... |
OCC Bulletin
September 14, 2001 |
Risk-Based Capital The attached joint statement addresses the agencies' supervisory approach to possible temporary balance sheet growth due to potential unusual market responses in the aftermath of the events of September 11. |
OCC Bulletin
December 29, 2005 |
Nontraditional Mortgage Products Request for Comment on Proposed Nontraditional Mortgage Product Guidance |
OCC Bulletin
May 31, 2000 |
Community Reinvestment Act 1990 U.S. Census and 2000 Department of Housing and Urban Development (HUD) estimated median family incomes for metropolitan statistical areas (MSA) and non-MSA portions of each state... |
U.S. Banker
November 2005 |
Wading Through HMDA-Data Muck What does the new Home Mortgage Disclosure Act data show about banks' lending practices when it comes to racial, ethnic and gender differences? It's clear what it says, but it's not clear what it means. |
OCC Bulletin
October 4, 2006 |
Nontraditional Mortgage Products: Guidance on Nontraditional Mortgage Product Risks Guidance discusses how institutions can offer nontraditional mortgage products in a safe and sound manner and in a way that clearly discloses the benefits and risks to borrowers. |
OCC Bulletin
April 25, 2005 |
Bank Secrecy Act/Anti-Money Laundering Joint statement on providing banking services to money services businesses. |
OCC Bulletin
June 15, 2006 |
Disaster Planning This bulletin transmits the booklet, "Lessons Learned From Hurricane Katrina: Preparing Your Institution for a Catastrophic Event," developed by the Federal Financial Institutions Examinations Council member agencies. |
OCC Bulletin
June 17, 1999 |
Mortgage Brochure The federal Interagency Task Force on Fair Lending has published a brochure for consumers, "Looking for the Best Mortgage: Shop, Compare, Negotiate," which advises consumers to obtain information on all costs of the loan and negotiate for the best deal... |
OCC Bulletin
October 29, 2003 |
Proposed Revisions to Risk-Based Capital Regulations Implementing the New Basel Capital Accord The U.S. banking agencies are currently seeking comment on a proposed framework for implementing the New Basel Capital Accord in the United States through an advance notice of proposed rulemaking. |
OCC Bulletin
February 28, 2005 |
Interagency Advisory The advisory reminds financial institutions of the confidential nature of an institution's report of examination, which includes the CAMELS or other supervisory rating, as well as other nonpublic supervisory information. |
This Old House
L. Gallant & D. Snoonian |
The Mortgage Crisis: Where to Go for Help The Fed's decision to lower interest rates means more people might be looking for home loans again. These Web-based resources can help you avoid the risky ones, and find the loan that's right for you. |
Commercial Investment Real Estate
Sep/Oct 2011
Thomas R. Petty |
Loan Language What can borrowers negotiate under today's stricter standards? |
OCC Bulletin
January 24, 2007 |
Home Mortgage Disclosure Act Higher exemption threshold for depository institutions under Regulation C. |
OCC Bulletin
April 13, 2006 |
Fair and Accurate Credit Transactions Act This Advance Notice of Proposed Rulemaking addresses the gathering of information for developing guidelines and regulations required by section 312 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act). |
Commercial Investment Real Estate
Jul/Aug 2010
Huntley & Mullaney |
Both Sides Now Commercial property borrowers and lenders must face the music together with a plan. |
The Motley Fool
February 28, 2011
Dan Caplinger |
Why Getting a Mortgage Will Never Be the Same Lots of changes are happening to the mortgage market. |
OCC Bulletin
July 20, 2004 |
Community Reinvestment Act Regulations A recent Joint Interim Rule makes no substantive changes in the requirements of the CRA regulations. Instead, it conforms those regulations to changes to several existing standards and regulations. |
Commercial Investment Real Estate
Jonathan A. Peckham |
Borrower Beware Most commercial mortgage lenders charge application, due diligence, and loan commitment fees, but do your clients know what that money really is buying? Often, it is less than they think. |
This Old House
Sid Davis |
Here's How to Finance Your Remodel Financing a remodeling project doesn't have to be a crap shoot. Here's a game plan for choosing the best deal. |
Commercial Investment Real Estate
Jul/Aug 2010
David C. Hannah |
Community Banks Step Into a New Role Banks can band together with other similarly situated community banks to share the credit risk through a loan participation or syndication arrangement. |
OCC Bulletin
January 24, 2005 |
Home Mortgage Disclosure Act The Exemption Threshold for Depository Institutions under Regulation C raises the asset size exemption threshold to $34 million for depository institutions that are required to report data under the Home Mortgage Disclosure Act. |
Commercial Investment Real Estate
Jan/Feb 2011
Brad Cox |
The Loan Request Package How to request -- and get -- the best loan from today's limited lending sources |
OCC Bulletin
May 29, 2003 |
Application of Recent Corporate Governance Initiatives to Non-Public Banking Organizations A response to questions the agencies have received concerning whether they intend to require banking organizations to comply with the provisions of the Sarbanes-Oxley Act or the proposed NYSE and NASDAQ listing standards if the banking organizations are not public companies or otherwise subject to the provisions through other laws. |
OCC Bulletin
March 28, 2005 |
Credit Risk Proposed changes for the classification of commercial credit exposures, which are used to identify higher risk commercial loans and determine classified loan ratios. |
Bank Systems & Technology
June 24, 2008
Ann Grochala |
In the Aftermath of the Credit Crisis, Some Banks See a Silver Lining The current problems in the credit markets bring both challenges and opportunities to banks. Many community banks still have plenty of liquidity and capital, and they all have ready access to the Federal Home Loan Bank system. |
U.S. Banker
March 2011
Tim Grace |
Mortgage Buybacks Point To Need for Better Analytics With mortgage fraud rising, the need for consistent, industry-wide fraud controls are a fundamental building block for improved loan quality. |
Commercial Investment Real Estate
Jul/Aug 2013
Steve Zorich |
Off Balance Do commercial borrowers benefit from bank relationships? |
The Motley Fool
May 15, 2007
Dan Caplinger |
Borrow Now or Borrow Never If you're thinking about buying a home, do your homework. Find a lender or mortgage broker early in the process, and get preapproved for a mortgage that will work for you. |
Entrepreneur
February 2008
Crystal Detamore-Rodman |
The Real Estate Deal Shopping for a commercial real estate loan can be tricky. Here's what you need to stay balanced. |
Commercial Investment Real Estate
May/Jun 2006
A. Barry Cappello |
Making It Work Investors soon may feel the effects of a cooling real estate market through subtle and not-so-subtle shifts in the way lenders view commercial real estate loans. When lenders' requirements tighten, borrowers should consider these options. |
Commercial Investment Real Estate
Jul/Aug 2012
William C. Jenczyk |
Why Comply? Ignoring loan covenants is a dire mistake in today's market. |
U.S. Banker
July 2010
Alan Kline |
Finding 'Harmony' in Refi Loans 1st Commonwealth of Virginia offers a new kind of loan aimed at retaining customers in times of lower rates, when borrowers typically defect. |
OCC Bulletin
January 12, 2006 |
Home Mortgage Disclosure Act Exemption Threshold for Depository Institutions under Regulation C: the final rule amending the staff commentary that interprets the requirements of the regulation. |
OCC Bulletin
August 24, 2006 |
Annual Dollar Trigger for Certain Home Mortgage Loans The Federal Reserve Board published its annual amendment to its Regulation Z Commentary related to the dollar amount that triggers requirements for certain home mortgage loans subject to 12 CFR 226.32. |
Commercial Investment Real Estate
May/Jun 2012
Howard W. Smith |
Financing Fundamentals These 5 tips help borrowers open the door to the right lender. |
OCC Bulletin
September 14, 2001 |
Consumer Protections for Depository Institution Sales of Insurance These rules implement Section 305 of the Gramm-Leach-Bliley Act and apply to retail sales practices, solicitations, advertising, or offers of any insurance product or annuity by a depository institution... |
OCC Bulletin
February 3, 2006
Emory W. Rushton |
Hurricane Katrina: Guidance to Examiners This issuance transmits guidance regarding supervisory practices to be followed in assessing the financial condition of financial institutions directly affected by Hurricane Katrina. |
U.S. Banker
July 2009
Andrew Dubinsky |
Electronic Lending Could Help Avert Another Crisis If regulators had the tools in place to effectively view complex debt instruments and the links between the financial institutions that securitize, hold, and insure them this crisis may not have happened. |
The Motley Fool
December 8, 2006
Mary Dalrymple |
Mortgage Power for Everyone Arm yourself with information before shopping for a home loan. |
Commercial Investment Real Estate
Jul/Aug 2015
Brooks R. Smith |
Loan Commitments Borrowers should negotiate early and often. |
The Motley Fool
September 25, 2007
Dan Caplinger |
Cut Your Borrowing Costs When you're looking to borrow money, always look into how much you can save by financing a little bit less. The savings from making even a small down payment will often pay dividends for years to come. |
OCC Bulletin
December 20, 2004 |
Shared National Credit Program Comments are sought on the proposed changes to the Shared National Credit (SNC) Program data collection process. |
OCC Bulletin
March 26, 2001 |
Loans Held for Sale This issuance covers the accounting and reporting treatment for certain loans that are sold directly from the loan portfolio or transferred to a held-for-sale account... |
Commercial Investment Real Estate
Mar/Apr 2009
Mark Dellonte |
FHA Facts In today's tight credit market, multifamily owners and developers are challenged with finding financing. In such turbulent times, the Federal Housing Administration loan programs serve as good, reliable sources of capital. |
The Motley Fool
January 24, 2007
Dan Caplinger |
The Dangers of Co-Signing Know what you're getting into before you guarantee someone else's debt. Co-signing on another person's loan is beyond the regular call of duty, and you shouldn't feel bad if you decide it's not worth risking your own financial stability to do it. |
