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OCC Bulletin
February 9, 2006 |
OCC Bulletin Subject: Community Reinvestment Act Description: Hurricanes Katrina and Rita The Office of the Comptroller of the Currency (OCC) encourages national banks to help meet the financial needs of their customers and their communities.   |
OCC Bulletin
April 6, 2006 |
Community Reinvestment Act Description: Interagency Questions and Answers The guidance provides examples of revitalization and stabilization activities in designated disaster areas. |
OCC Bulletin
March 21, 2005 |
Community Reinvestment Act Notice of Proposed Rulemaking: In response to public comment, the governing agencies are proposing four key changes to the Community Reinvestment Act (CRA) regulations. The comment period ends May 10, 2005. |
OCC Bulletin
December 6, 2005 |
Community Reinvestment Act: Notice and Request for Comment Thirteen new questions and answers are being published for comment. |
OCC Bulletin
September 19, 2005 |
Hurricane Katrina The Office of the Comptroller of the Currency has issued guidance to assist national banks and their customers affected by Hurricane Katrina. |
OCC Bulletin
August 24, 2005 |
Community Reinvestment Act The final rule revising the Community Reinvestment Act will make key changes to the Office of the Comptroller of the Currency regulations. |
OCC Bulletin
August 24, 2005 |
Community Reinvestment Act The revisions to the Community Reinvestment Act regulations, effective September 1, 2005, include a new test -- the community development test -- for intermediate small banks. |
| Knowledge@Wharton |
Have Banks, After 25 Years, Made Peace with the Community Reinvestment Act? History and enforcement of the CRA, and how it can be improved. |
National Real Estate Investor
February 1, 2007
Ben Johnson |
Small Banks, Big Risks In the new era of commercial real estate lending, federal regulators are pressuring even the smallest banks to upgrade their portfolio analysis capabilities to avoid the pitfalls of past downturns. |
Bank Systems & Technology
November 1, 2005
Ivan Schneider |
Equal Protection A federal bailout of Gulf Coast financial institutions unfairly favors banks over local businesses. Scarce reconstruction funds have far better uses than to prop up banks with an undue concentration of geographic risk. |
Entrepreneur
January 2006
Joshua Kurlantzick |
Requisite Relief What can Congress do to help small businesses hit by the hurricanes? New York Democratic congresswoman Nydia Velazquez and Arizona Republican congressman Rick Renzi offer some answers. |
U.S. Banker
June 2006
Lee Conrad |
Banks Vent Rage Over Commercial RE Loan Rule Banks, in an uproar over regulators' proposal that warns those with high concentrations of commercial real-estate loans may have to raise their capital reserves, worry that new regulations will eat into their bottom line. |
OCC Bulletin
June 28, 2001 |
Prohibition Against Interstate Deposit Production The Federal Reserve Board, the Office of the Comptroller of the Currency, and the Federal Deposit Insurance Corporation recently issued updated host state loan-to-deposit ratios that the banking agencies will use to determine compliance... |
OCC Bulletin
October 14, 2005 |
Real Estate Appraisal Exemptions in Major Disaster Areas The exceptions are available for transactions that involve real property in major disaster areas when the exceptions would facilitate recovery from the disaster. |
U.S. Banker
November 2007
Karen Krebsbach |
CUs Gird for Battle over CRA Rules Recent remarks about whether credit unions and other nonbank lending firms should participate in Community Reinvestment Act requirements have raised the specter of that age-old argument, with credit union representatives solidly on one side and bankers on the other. |
OCC Bulletin
December 29, 2000 |
Large Bank Community Reinvestment Act Examinations The guidance, which will be used at all banks examined as large banks, implements the OCC's approach to evaluating a large bank's CRA activities over an "examination cycle"... |
OCC Bulletin
May 22, 2003 |
Prohibition Against Interstate Deposit Production The Federal Reserve Board, the Office of the Comptroller of the Currency, and the FDIC recently issued updated host-state loan-to-deposit ratios used to determine compliance with section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994. |
OCC Bulletin
July 22, 2002 |
Prohibition Against Interstate Deposit Production The Federal Reserve Board, the Office of the Comptroller of the Currency, and the Federal Deposit Insurance Corporation recently issued updated host-state loan-to- deposit ratios that the banking agencies will use to determine compliance with section 109 of the Interstate Act. |
OCC Bulletin
July 3, 2006 |
Prohibition Against Interstate Deposit Production Description: Annual Loan-to-Deposit Ratios An updated host-state loan-to- deposit ratios that banking agencies will use to determine compliance with section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 (Interstate Act) is now available. |
Bank Systems & Technology
January 31, 2006
Ivan Schneider |
Vicious Hurricane Cycle Although one can hope that the upcoming hurricane season will defy the predictions that have accompanied the start of the decades-long hurricane cycle, the banks in the Gulf Coast must do more than hope. They must plan, and plan for the worst. |
OCC Bulletin
September 2, 2004 |
Prohibition Against Interstate Deposit Production Recently updated host-state loan-to-deposit ratios that will be use to determine compliance with section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 |
The Motley Fool
August 28, 2006
Tim Hanson |
Back in Business, Better Than Before A look at how one regional bank is recovering from Hurricane Katrina. Interested investors should be aware that much of that growth has already been priced into Hancock Bank's stock. |
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
June 2010
Alan Kline |
A Modest Proposal for Enhancing CRA If ever there was a piece of legislation that deserves to be stopped dead in its tracks it is Rep. Jeb Hensarling's proposal to repeal the Community Reinvestment Act. |
CFO
March 1, 2007
Rob Garver |
Nothing to Bank On Bank executives will undoubtedly spend much of the next year assessing the likelihood and impact of new rules, while at the same time trying to keep earnings growth on its upward trend. |
Real Estate Portfolio
May/Jun 2006
Lorna Pappas |
Opportunity & Optimism After last years devastating hurricanes, the Gulf Coast rebuilds. With rebuilding comes tremendous investment opportunities for those with vision and patience, and the first to act may be getting the best deals. |
Foundation News & Commentary
Nov/Dec 2005
Paula J. Kelly |
Meeting the Needs When two devastating hurricanes struck the Gulf Coast in less than a month, it was clear that the response from the philanthropic community would need to be as unprecedented as the disaster. |
U.S. Banker
May 2007
Lee Conrad |
Community Banks Struggle To Know 'Indirect' Clients Indirect channels to customers, particularly check-cashing services, reduce a bank's control of the customer and exposes it to potential money laundering. New products are stepping in to help. |
Bank Systems & Technology
September 28, 2005
Maria Bruno-Britz |
Open for Business Amidst the chaos following Hurricane Katrina, at least one entity had its act together - the financial services sector. Even before the floodwaters began receding, banks in the disaster zone were working to restore operations. |
Financial Planning
March 1, 2007
David A. Twibell |
Community Investing Special loan funds for underserved communities are popping up like condos. Now you can help clients jump into the lending pool. |
U.S. Banker
November 2010
Kate Davidson |
Unfinished Business: Updating CRA Now that Dodd-Frank is in the books, policymakers are turning their attention to updating the 33-year-old law. Some advice: broaden assessment areas and give more weight to business lending. |
OCC Bulletin
July 30, 2001 |
Community Reinvestment Act 2001 Interagency Questions and Answers -- a comprehensive interpretation of the Community Reinvestment Act (CRA) regulations... |
FDIC FYI
February 27, 2002 |
Loan Weakness Spreads; Banks' Defenses Hold Large banks' business loans have been hit hardest by the recession, but some weakening is now appearing for smaller banks and for other kinds of loans... |
U.S. Banker
April 2002 |
Tougher On The Big Boys Being bigger is not necessarily better for corporations seeking loans from their banks. A study by the Association for Financial Professionals indicates that banks are putting heavy pressure on their biggest borrowers to throw more business the banks' way. Or else: No credit... |
Bank Systems & Technology
March 27, 2008
Peggy Bresnick Kendler |
The Credit Crisis Has Increased Scrutiny on Trade Finance The global credit crisis has emphasized the importance of cash management while intensifying the spotlight on corporate governance and banks' risk management practices |
OCC Bulletin
January 5, 2004 |
Banks/Thrifts Providing Financial Support to Funds Advised by the Banking Organization or its Affiliates The purpose of the guidance is to alert banking organizations and examiners of the safety and soundness implications of, and the legal impediments to, a bank providing financial support to investment funds advised by the bank, its subsidiaries or affiliates. |
CFO
May 15, 2012
Vincent Ryan |
Reining In Buyout Loans Federal regulators aim for more stress-testing of loan portfolios and better-defined standards on a borrower's ability to repay. |
InternetNews
March 25, 2005
Jim Wagner |
Feds Push Banks on Security Alerts After several high-profile private data leaks, the Federal Reserve and regulators advise banks to immediately notify customers of security breaches. |
FDIC FYI
June 3, 2002 |
Favorable Interest-Rate Environment Drives Record First-Quarter Bank Earnings Commercial banks earned a record $21.7 billion in the first quarter of 2002, besting the previous quarterly earnings record set in the first quarter of 2001 by 9.6 percent. |
Bank Systems & Technology
March 27, 2008
David Conroy |
Corporate Clients Increasingly Looking to Banks to Mitigate Trade Finance Risks How can banks pursue growth opportunities in global trade finance in, for example, emerging markets? What technology investments must banks make to meet these new demands? |
| OCC Bulletin |
Weblinking The guidance offers risk management tools that would reduce risk to banks from linking arrangements and with third parties, especially reputation and compliance risks. |
Financial Planning
November 1, 2005
Alison L. McConnel |
The Muni Market The Treasury Department is flat-out opposed to providing federal guarantees for tax-exempt municipal bonds issued by hard-hit Gulf Coast states/localities, according to Treasury Secretary John W. Snow. |
U.S. Banker
February 2004
Karen Krebsbach |
In Land of Rising Sun, Rays of Hope for Struggling Bank Sector Though Japan's banks have been ailing for more than a decade, the sector's pulse is strengthening. Signs of change are everywhere, as the four megabanks reported second-half 2003 profits for the first time in 20 years. Can the recovery last? |
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. |
National Real Estate Investor
November 1, 2005
Jennifer Popovec |
When the Chips Are Down Many commercial real estate professionals are working to help the Gulf Coast recover from Hurricanes Katrina and Rita. Here are a few of their stories: Building and Owners Management Association (BOMA)... Jerry Wallace Interests... etc. |
BusinessWeek
April 17, 2008 |
The Story of Basel II So Far... A chronological look at the Basel II banking accord since its inception in 2004. |
U.S. Banker
March 2008
John Adams |
Another Lending Sector Teeters on the Edge Like a bad virus, the subprime-mortgage-driven plague is spreading from one sector of banking to another. |
FDIC FYI
November 26, 2002 |
Quarterly Banking Profile Commercial Banking Performance, Third Quarter 2002 Gains on securities sales keep earnings near record level... Weakness in overseas operations limits industry profits... Margins improve at community banks, decline at larger institutions... Strong mortgage demand fuels growth in loans... Asset-quality problems continue to grow at large banks |
Foundation News & Commentary
Sep/Oct 2006
Robert H. Martin |
New Orleans' Philanthropic Challenge With hundreds of thousands of New Orleanians still scattered across America, homelessness and the lack of rootedness are felt intensely. Funders are helping to set the stage for transformation. |
BusinessWeek
November 1, 2004
Peter Coy |
When Home Buying by the Poor Backfires The steady push of homeownership to lower and lower income groups by government initiatives, while positive in many ways, is not an unadulterated good. For many families, a house can be a bad investment. |
