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Bank Director
1st Quarter 2011
Jack Milligan |
In the Eye of the Storm Former Comptroller of the Currency John C. Dugan speaks candidly about the financial crisis of 2008, the landmark Dodd-Frank Act and the need for minimum loan underwriting standards for the banking industry.   |
OCC Bulletin
May 23, 2002 |
Implicit Recourse in Asset Securitization The purpose of this guidance is to assist both bankers and examiners in assessing what types of post-sale actions may, or may not, constitute implicit recourse... |
U.S. Banker
September 2010 |
Noted & Noteworthy There's never been much love lost between the American Bankers Association and the Independent Community Bankers of America, and the fierce debate over regulatory reform has only escalated tensions. |
U.S. Banker
November 2009
Kaper & Hopkins |
Dodd's Power of Persuasion Facing long odds, the Banking Committee Chairman builds support for a plan to create a prudential regulator. But would a single agency kill the dual banking system? |
U.S. Banker
December 2009
Glen Fest |
CFPA: Exemption in Name Only? As details emerged on an amendment to exempt small banks from exams by the proposed consumer financial protection regulator, some have begun to question what exactly these second- and third-tier banks have won. |
U.S. Banker
February 2009
Earl Howell |
The New Model for Correspondent Banking The correspondent bank in the form of a "bankers bank" has a proud history of service and the success of community banks is in no small part a result of the products and services provided under the bankers bank banner. |
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. |
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... |
U.S. Banker
November 2009 |
Consolidation Will Happen, But It Will Take a While There s little debate that the industry needs to shrink, but are enough buyers out there willing and able to swallow 1,500 to 3,000 banks? |
U.S. Banker
October 2007
Karen Krebsbach |
Doing the Regulatory Revamp Dance America's bank-regulatory system is once again under the microscope, but for the first time in decades, it is under serious consideration for reorganization. |
U.S. Banker
May 2010
Michael Sisk |
An Uneasy Relationship Thanks to some high-profile community bank failures, small banks can t get loans from correspondent banks, threatening their own ability to lend. |
U.S. Banker
January 2011
Joe Adler |
Birth of a New Kind of Regulator To some, Elizabeth Warren's concept of a consumer protection regulator is an innovation. To others, it s an abomination. Either way, it's here to stay, and banking regulation will never be the same. |
HBS Working Knowledge
April 23, 2008
Dwight Crane |
The Gap in the U.S. Treasury Recommendations U.S. Treasury recommendations for strengthening the regulation of the financial system are a good start but fall short, says Harvard Business School professor emeritus Dwight B. Crane. |
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. |
OCC Bulletin
May 23, 2002 |
Covenants Tied to Supervisory Actions in Securitization Documents The purpose of this guidance is to alert both bankers and examiners to the safety and soundness implications of covenants associated with supervisory actions in securitization documents... |
Bank Director
3rd Quarter 2009
Jack Milligan |
In Banking, Judgment Counts Does an experienced banker necessarily make for a good bank director? Citigroup and Bank of America Corp. are about to find out, bowing to pressure from federal banking regulators to recruit veteran bankers and finance experts to serve as independent directors on their boards. |
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
January 2011
Alan Kline |
Common-Sense Ideas for Consumer Lending Even the smallest consumer loan requires almost as much documentation as a $250,000 business loan, and it's only going to get worse under Dodd-Frank. |
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. |
Bank Systems & Technology
November 11, 2009
Maria Bruno-Britz |
Banking Groups React to Sen. Dodd's Draft Regulatory Legislation With a Big 'No' Although organizations approve of the Senate's efforts, they say it goes too far in undermining those aspects of financial services that actually work. |
U.S. Banker
February 2010
Paul Davis |
Holding Pattern for Borrowers Most bankers insist that they would make a lot more small-business loans if not for two key hurdles beyond their control: Many business owners seeking loans are risky credits, and creditworthy borrowers aren't too eager to add debt. |
Bank Systems & Technology
May 28, 2009
Maria Bruno-Britz |
U.S. Banking Sector One Step Closer to Super Regulator Reports indicate that plans may be in the works to consolidate the current array of financial services regulatory agencies into one body. |
OCC Bulletin
December 6, 2005 |
One-Year Post-Employment Restrictions for Senior Examiners This final rule implements new post-employment restrictions for Comptroller of the Currency senior examiners of national banks. |
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. |
OCC Bulletin
April 13, 2005 |
Interagency Guidance for Determination of Risk- Based Capital for Unrated Direct Credit Substitutes Extended to Asset-Backed Commercial Paper Programs The provisions included in this policy statement are effective immediately. |
Bank Director
1st Quarter 2011
Jack Millligan |
Is the Community Bank Business Model Broken? The concept of community banking is still viable, but the model that many small institutions employ has to change. |
U.S. Banker
August 2009
John Engen |
How Banking Will Change A few years from now, just how much will the crisis have changed the environment banks compete in, and the way they go about their business? |
U.S. Banker
January 2010 |
What's On Bankers' Minds? Seven banking CEOs took a break to talk about the state of their industry as it fights through the worst recession in decades. |
U.S. Banker
September 2010
Alan Kline |
Not All Doom and Gloom There's not much upside for big banks, but the widely disliked Dodd-Frank Act has some benefits for community banks. |
Bank Technology News
March 2006
Glen Fest |
Money Laundering: Correspondent Bankers: How Much Is Enough? New Treasury guidelines on how banks are to comply with customer and asset identity don't smooth nerves frayed by high-profile busts for lax AML controls. |
U.S. Banker
May 2010
Rob Garver |
No Regulatory Relief in Sight Five new rules have taken effect since Jan. 1 and at least eight more are on the way. The onslaught is posing immense challenges for banks trying to keep up. |
Registered Rep.
January 15, 2010
David A. Geracioti |
Obama's Bank Tax Is Onerous, but "Banks Are Creative" Is taxing banker's bonuses and increasing taxes for financial institutions really necessary? |
Bank Director
4th Quarter 2010
Jack Millligan |
A Short Leash on Risk Bankers all across the country are beginning to tighten up their lending practices as a response to the regulatory pressure they are under to keep lending plain, conservative, and firmly under control. |
Bank Director
4th Quarter 2010 |
Wavering Optimism in a Post-Reform World Just when bankers began to think it was safe to come back in the water, midsummer economic indicators began to pull the tide back out again, as demonstrated in the most recent quarterly results from Grant Thornton's 17th Bank Executive Survey. |
National Real Estate Investor
May 1, 2008
Ben Johnson |
Regulators Turn Up Heat On Local Banks Community and mid-size banks, which comprise the bulk of all commercial real estate lending in this country, are once again under the watchful eye of regulators. |
U.S. Banker
February 2010
Rob Garver |
What Now? If Washington really wants to get credit flowing to small businesses, it could modify TARP, relax capital requirements and rethink its stance on industrial loan companies. Or it could do nothing at all. |
BusinessWeek
August 15, 2005 |
A Talk with New York's Banking Watchdog New York Superintendent of Banking Diana Taylor says there's a happy medium for regulation at the state and national level. |
The Motley Fool
June 28, 2010
Mark T. Williams |
The G-20 Superpowers Should Learn From Canada Canada has been the gold standard of banking prudence. |
BusinessWeek
June 11, 2009
Theo Francis |
Banks: Good News--and Bad Assets Despite a comeback on Wall Street, the heaps of toxic debt aren't going anywhere. Be warned: Banking losses will be playing out for years |
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. |
U.S. Banker
January 2010
Eugene Ludwig |
A Three-Step Approach to Repairing the Industry's Image The disconnect between Wall Street and Main Street has tarnished the reputation of banking generally and made it harder for the industry to collaborate with the government. |
U.S. Banker
August 2009
Glen Fest |
Consumer Agency: Not So Scary? Bankers are almost uniformly opposed to the president's plan to create a new agency to regulate consumer financial products. But with so much political momentum behind the idea, it appears likely that bankers will eventually have to answer to the Consumer Financial Protection Agency. |
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... |
Inc.
March 1, 2003
Norm Brodsky |
Yes, a Borrower Be, but ... Manage your business's loan carefully or you may pay a terrible price. |
BusinessWeek
January 20, 2010
Peter Coy |
Everyone Wants a Piece of the Banks Shareholders are clamoring for higher dividends. Borrowers want more loans. And the Obama Administration is trying to levy a new tax. |
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. |
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. |
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. |
Bank Director
2nd Quarter 2009
Deborah Scally |
Toughing It Out in 2009 The results of the Bank Director/Grant Thornton LLP 16th Bank Executive Survey show that bankers are determined to shore up their foundations and capitalize on strengths to survive the year ahead. |
CFO
Joseph McCafferty |
Another Nick in the Wall Regulators are looking into allegations that banks are "tying" loans to other fee-based business. |
