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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
January 8, 2003 |
Credit Card Lending: Account Management and Loss Allowance Guidance Recent examinations of institutions engaging in credit card lending have disclosed a wide variety of account management, risk management, and loss allowance practices, a number of which were deemed inappropriate. |
OCC Bulletin
May 16, 2005 |
Home Equity Lending Guidance on regulatory expectations for credit risk management and practices. |
OCC Bulletin
January 31, 2001 |
Subprime Lending While the OCC believes that responsible subprime lending can expand credit access for consumers and offer attractive returns for bankers, during recent years institutions engaged in subprime programs have represented a disproportionate number of problem institutions... |
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... |
| OCC Bulletin |
Accounting for Loan and Lease Losses The guidance addresses recent developments in accounting for loan and lease losses and provides a listing of current, authoritative sources of generally accepted accounting principles in this area. |
OCC Bulletin
July 30, 2001 |
Community Reinvestment Act 2001 Interagency Questions and Answers -- a comprehensive interpretation of the Community Reinvestment Act (CRA) regulations... |
OCC Bulletin
December 29, 2005 |
Nontraditional Mortgage Products Request for Comment on Proposed Nontraditional Mortgage Product Guidance |
OCC Bulletin
March 11, 2002 |
Country Risk A recently issued statement describes the elements of an effective country risk management process. These principles will guide examiners when they evaluate the management of country risk in internationally active banks... |
OCC Bulletin
October 12, 2005 |
Authentication in an Internet Banking Environment This updated interagency guidance specifically addresses the need for risk-based assessment, customer awareness and security measures to authenticate customers using a financial institution's Internet-based services. |
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. |
OCC Bulletin
August 27, 2003 |
Proposed Guidance and Notice of Information Collection Interagency guidance on response programs for unauthorized access to customer information and customer notice |
OCC Bulletin
October 13, 1999 |
Interagency Guidelines for Real Estate Lending Policies New guidelines discuss the credit risks associated with high loan-to-value residential real estate lending and remind national banks that the 1992 Interagency Guidelines for Real Estate Lending Policies apply to these transactions... |
OCC Bulletin
August 15, 2006 |
Authentication in an Internet Banking Environment Just-released "frequently asked questions" (FAQs) are designed to aid in the implementation of the interagency guidance on Authentication in an Internet Banking Environment. |
OCC Bulletin
April 9, 2001 |
Leveraged Finance This guidance describes the essential elements of that risk management: comprehensive credit analysis, frequent monitoring, and detailed portfolio reports... |
OCC Bulletin
July 8, 2004
Emory W. Rushton |
Overdraft Protection Programs The proposed guidance is intended to assist insured depository institutions in the responsible disclosure and administration of overdraft protection services. |
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. |
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. |
The Motley Fool
August 31, 2005
Stephen D. Simpson |
A Closer Look at Bank Stocks These investors must deal with unusual terms and funny-looking financial statements, but the rewards can be well worth it. |
OCC Bulletin
April 4, 2001 |
Leveraged Financing Guidance for bankers and examiners that more fully describes supervisory expectations regarding sound practices for leveraged financing activities. |
OCC Bulletin
October 27, 2004 |
Internal Ratings-Based Systems for Retail Credit Risk for Regulatory Capital This bulletin briefly summarizes the proposed supervisory guidance on Internal Ratings-Based Systems for Retail Credit Risk for Regulatory Capital that was published today for notice and comment in the Federal Register. |
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. |
The Motley Fool
May 17, 2011
Zeeshan Siddique |
1 Powerful Trend to Capture in the Banking Industry Decline in provisions for loan losses and lower credit costs were the most striking trends witnessed by banks in the first quarter. |
The Motley Fool
July 27, 2011
Matt Koppenheffer |
1 Big, Fat Yellow Flag for Bank Stocks Bank-stock investors will want to investigate this ratio because it could help drag down a bank's earnings. |
OCC Bulletin
May 6, 2005 |
Bank Secrecy Act/Anti-Money Laundering Interagency interpretive guidance on providing banking services to money services businesses operating in the United States. |
OCC Bulletin
November 1, 2001 |
Third-Party Relationships This bulletin provides guidance to national banks on managing the risks that may arise from their business relationships with third parties... |
OCC Bulletin
October 27, 2004 |
FFIEC Guidance The Federal Financial Institutions Examination Council has released the attached guidance, "Risk Management for the Use of Free and Open Source Software." |
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
April 6, 2006 |
Community Reinvestment Act Description: Interagency Questions and Answers The guidance provides examples of revitalization and stabilization activities in designated disaster areas. |
The Motley Fool
February 23, 2007
John A. Howard |
Bank Investing 101 More than 1,000 banks trade publicly in the United States, and ferreting out which ones are good investments can be a daunting process. But it's a worthwhile process given some of the attractive features of banks as investments. |
U.S. Banker
February 2010
Donald Musso et al. |
How Regulators Are Inhibiting an Economic Recovery Raising capital levels for banks deters new lending. Now is not the time for higher capital standards, but for enforcing standards already in place. |
OCC Bulletin
January 13, 2006 |
Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices Agencies seeking comment on proposed guidance for concentrations in commercial real estate (CRE) lending and sound risk management practices. |
The Motley Fool
April 9, 2007
Joseph Khattab |
What's the Deal With Bank Reserves? Understanding a bank's loan loss reserve is tricky, but it will be an important topic as investors head into first-quarter earnings |
OCC Bulletin
January 4, 2002 |
Bank Secrecy Act/Anti-Money Laundering Interim Guidance on Compliance with the USA PATRIOT Act... |
The Motley Fool
September 22, 2006
Stephen D. Simpson |
A Closer Look at Bank Stocks Learn the secrets of investing in this often-intimidating sector. |
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
June 22, 2010
Matt Koppenheffer |
The Banks You Ought to Fear Focusing on big institutions may obscure banking's real, ongoing problems. |
The Motley Fool
December 15, 2006
Rich Smith |
America's Car-Crash Guidance or no guidance, management's description of its problems, and its plan for fixing them, makes a lot of sense to smart investors. |
IndustryWeek
June 1, 2005
John S. McClenahen |
Financials -- Guiding Less The percentage of companies providing earnings guidance is declining. |
HBS Working Knowledge
August 28, 2014 |
Government Can Do More to Unfreeze Small Business Credit In part three of her series on the state of small-business lending, Karen Mills discusses how public-private partnerships and government guarantee programs have the potential to enhance economic growth. |
Investment Advisor
May 2007
Megan L. F. Robert |
Bill Gross on the Housing Crisis Loan losses will threaten future growth, the bond king says, but not for the reasons you might think. |
Entrepreneur
April 2007
Rosalind Resnick |
Loan Woes Question: I'm in the process of applying for a loan to start my business, and I just found out the bank is requiring me to sign a personal guarantee... Answer: Put yourself in your banker's shoes... |
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. |
U.S. Banker
April 2011
Rob Blackwell |
Capitalizing on a Previous Crisis Under pressure to add capital, the Federal Home Loan banks unveil a plan that could help them avoid political meddling when Congress debates the creation of a new housing finance system. |
OCC Bulletin
February 20, 2001 |
Bank Secrecy Act/Anti-Money-Laundering The attached guidance was issued to help U.S. financial institutions avoid transactions that may involve the proceeds of foreign official corruption. |
Entrepreneur
April 2007
Jennifer Pellet |
One Step Ahead Options for buying a home when you can't prove income. |
AskMen.com
March 4, 2001
Luis Rodrigues |
The Truth About Bank Loans When the time comes to borrow money from the bank to buy a house, a car or start a business, people still get extremely stressed about meeting with the banking loans officer... |
The Motley Fool
June 24, 2010
Matt Koppenheffer |
Should You Buy Bank Stocks? Let's see if there are banks worth buying today. |
The Motley Fool
May 10, 2011
Cindy Johnson |
How Will Banks Make Money for Real? Declining loan losses are a large but unsustainable source of bank profits. |
InternetNews
April 3, 2007
Roy Mark |
FTC Approves Final Guidance Settlement Guidance Software's settlement with the Federal Trade Commission became official today, almost five months after the Pasadena, Calif.-based computer forensics specialist admitted it did not adequately protect customer data. |
