Bank Regulatory News
August 2003
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August 29, 2003 - OTS Leaves TFR Filing Due Date Unchanged - The
Office of Thrift Supervision announced today that it will retain the
same filing due date for the 2004 Thrift Financial Report - 30 days
after the end of the quarter - that the other banking agencies have
for the Call Report. www.ots.treas.gov/docs/77328.html
August 29, 2003 - Chairman
Alan Greenspan - Monetary policy under
uncertainty - At a symposium sponsored by the Federal Reserve
Bank of Kansas City, Jackson Hole, Wyoming www.federalreserve.gov/boarddocs/speeches/2003/20030829/default.htm
August 28, 2003 - NCUA Issues 2004 Board Meeting Schedule - The
National Credit Union Administration Board today announces its 2004
meeting schedule. The Board plans to convene at 10 a.m. the third,
fourth or fifth Thursday of each month (except August when the Board
has historically not met) on the following dates in 2004:
Press Release: www.ncua.gov/news/press_releases/2003/NR03-0828.htm
Calendar: www.ncua.gov/news/board_calendar/board_calendar2004.html
August 28, 2003 - FDIC Issues Removal And Prohibition Order Against
Former Tennessee Banker - The
Federal Deposit Insurance Corporation has issued a removal and
prohibition order against William Hal Davis, a former officer at
Citizens State Bank, Jasper, Tennessee. www.fdic.gov/news/news/press/2003/pr8403.html
August 28, 2003 - FDIC Issues Removal And Prohibition Order Against
Former Tennessee Banker - The
Federal Deposit Insurance Corporation has issued a removal and
prohibition order against Robert L. Courtney, Jr., a former branch
manager of Citizens Bank & Trust Company of Grainger County,
Rutledge, Tennessee. www.fdic.gov/news/news/press/2003/pr8303.html
August 28, 2003 - FDIC Issues Removal And Prohibition Order
Against Former Minnesota Banker - The
Federal Deposit Insurance Corporation has issued a removal and
prohibition order against Jason W. Amundson. Amundson was a manager
at the Lakeville branch of Sterling State Financial, Inc, a wholly
owned subsidiary of Sterling State Bank, Austin, Minnesota. www.fdic.gov/news/news/press/2003/pr8203.html
August 28, 2003 - FDIC Issues Removal And Prohibition Order And
Civil Money Penalty Against Former Wisconsin Banker - The
Federal Deposit Insurance Corporation has issued a removal and
prohibition order and imposed a civil money penalty against Sidney
Bateman, former chief executive officer of River Bank, Stoddard,
Wisconsin. www.fdic.gov/news/news/press/2003/pr8103.html
August 28, 2003 - FDIC Issues Enforcement Actions Against Illinois
Bankers And Directors -
The Federal Deposit Insurance Corporation has imposed civil money
penalties on four current and former officers and directors of
Savanna-Thomson State Bank, Thomson, Illinois. Consent Orders to pay
Civil Money Penalties of $5,000 each were issued against current
bank board member Cheryl Parker and former bank board member John
Brigham, while current directors Robert Froehlich and Michael
Grothusen were ordered to pay penalties of $2,000 each. www.fdic.gov/news/news/press/2003/pr8003.html
August 28, 2003 - FDIC Reports Second Quarter 2003 Financial Results
For Bank And Thrift Insurance Funds - The
Federal Deposit Insurance Corporation today announced that the Bank
Insurance Fund reported comprehensive income (net income plus
current period unrealized gains/losses on available-for-sale
securities) of $750 million for the six months ending June 30, 2003,
compared to $748 million for the same period last year. www.fdic.gov/news/news/press/2003/pr7903.html
August 28, 2003 - The Federal Reserve Board on Wednesday announced
amendments to Appendix A of Regulation CC, effective November 1,
2003, that reflect the restructuring of the Federal Reserve's check
processing operations in the Fourth District. www.federalreserve.gov/boarddocs/press/bcreg/2003/20030828/default.htm
August 27, 2003 - Interagency Guidance on Response Programs for
Unauthorized Access to Customer Information and Customer Notice -
The Comptroller of the Currency, the Board of Governors of the
Federal Reserve System, Federal Deposit Insurance Corporation, and
the Office of Thrift Supervision (the Agencies) are requesting
comment on the attached proposed Interagency Guidance on Response
Programs for Unauthorized Access to Customer Information and
Customer Notice.
Press Release: www.occ.treas.gov/ftp/bulletin/2003-37.txt
Attachment: www.occ.treas.gov/fr/fedregister/68fr47954.pdf
August 27, 2003 - The Federal Reserve Board on Wednesday announced
the issuance of a Combined Consent Order to Cease and Desist and an
Order of Assessment of a Civil Money Penalty against WestLB AG,
Dusseldorf, Germany, and its New York Branch. www.federalreserve.gov/boarddocs/press/Enforcement/2003/20030827/default.htm
August 26, 2003 - CRA Performance Evaluations Available
Electronically for Download/Viewing
www.occ.treas.gov/cra/aug03.htm
August 26, 2003 - OCC Announces 23 New Enforcement Actions and Seven
Terminations - The Office of the Comptroller of the Currency today
announced 23 new enforcement actions taken against national banks
and individuals currently and formerly affiliated with national
banks and seven terminations of existing enforcement actions. www.occ.treas.gov/newsrelease.asp?Doc=2Q3HYUM.xml
August 26, 2003 - Finance
and Economics Discussion Series - 2003
FEDS papers www.federalreserve.gov/pubs/feds/2003/index.html
August 25, 2003 - OCC Issues Statement on the Federal Reserve Board's
Proposed Interpretation Of the Anti-Tying Provisions of the 1970
Bank Holding Company Act Amendments - The Office of the Comptroller
of the Currency issued the attached statement today on the Federal
Reserve Board's proposed interpretation of the anti-tying
restrictions contained in Section 106 of the 1970 Bank Holding
Company Act amendments.
News Release: www.occ.treas.gov/newsrelease.asp?Doc=8HVNAPWQ.xml
Attachment: www.occ.treas.gov/ftp/release/2003-65a.pdf
August 25, 2003 - The Federal Reserve Board on Monday requested
public comment on an official interpretation of the anti-tying
restrictions in section 106 of the Bank Holding Company Act
Amendments of 1970 and related supervisory guidance. www.federalreserve.gov/boarddocs/press/bcreg/2003/20030825/default.htm
_______________
August 22, 2003 - NCUA - Statement of NCUA
Chairman Dennis Dollar On August 2003 Release of GAO Study On
Enforcement of the "Federal Deposit Insurance Corporation
Improvement Act"
www.ncua.gov/news/press_releases/2003/Stmt03-0821.htm
August 22, 2003 - The Federal Reserve Board on Friday announced its
approval of the notice under the Bank Holding Company Act by Arvest
Bank Group, Inc., Bentonville, to acquire Superior Financial Corp.,
Little Rock ("Superior"), and Superior's wholly owned subsidiary,
Superior Federal Bank, FSB, Fort Smith, all in Arkansas. www.federalreserve.gov/boarddocs/press/orders/2003/20030822/default.htm
August 21, 2003 - "The National and Regional Economic Outlook: A
Monetary Policymaker's Perspective" - Robert T. Parry, President
& CEO of the Federal Reserve Bank of San Francisco. www.frbsf.org/news/releases/2003/0821.html
August 21, 2003 - 2003
Economic and Financial Literacy Conference - A
statewide conference to raise awareness about the importance of
economic and financial literacy, and identify strategies for
improving these skills in Hawaii's schools and among its adult
population. http://www.frbsf.org/news/releases/2003/0819.html
August 21, 2003 - Improving Transparency of Federal Reserve Policy
Actions - Is Hard Work, but Necessary: St. Louis Fed's Poole - When
it comes to financial markets' interpretations of Federal Reserve
policy actions, "transparency" means "accurately conveying accurate
information, including all the information markets need to form
opinions on monetary policy that are as complete as possible." www.stlouisfed.org/news/releases/2003/08_21_03.html
August 21, 2003 - The Federal Reserve Board on Thursday released the
minutes of its discount rate meetings from May 19 to June 25, 2003. www.federalreserve.gov/boarddocs/press/monetary/2003/20030821/default.htm
August 21, 2003 - NCUA - Central Liquidity Facility - The CLF is a
mixed ownership government corporation created to improve the
general financial stability of credit unions by serving as a
liquidity lender to credit unions experiencing unusual or unexpected
liquidity shortfalls. Member credit unions own the CLF which exists
within the National Credit Unions Administration. www.ncua.gov/org/orgchart/E&I/CLF.htm
August 21, 2003 - NCUA - Third Annual NCUA
Budget Briefing and Public Forum Slated for October 10, 2003 www.ncua.gov/news/press_releases/2003/NR03-0820.htm
August 21, 2003 - Filing Procedures - Revisions (primarily technical amendments) have been
made to the regulations on Filing Procedures, Corporate Powers,
International Banking, Management Official Interlocks, and Golden
Parachute and Indemnification Payments. www.fdic.gov/news/news/financial/2003/fil0367.html
August 20, 2003 - New Research Examines Vacation Laws and Work Hours
- Vacation laws lead to a substantial reduction in work
hours, according to new research by Yale University Economics
Professor Joseph G. Altonji and Citadel Investment Group Analyst
Jennifer Oldham in the article "Vacation laws and annual
work hours" featured in the latest Economic Perspectives.
www.chicagofed.org/newsandevents/pressreleases/2003/pr08202003.cfm
August 20, 2003 - Thrifts Enjoy Another Record Quarter; Earnings Top
$3.5 Billion - The Office of Thrift Supervision announced today that
in the second quarter of 2003 the nation's thrift industry again set
records for net income, profitability, equity capital and mortgage
originations. www.ots.treas.gov/docs/77327.html
August 20, 2003 - The Effect of Exchange Rates on Prices, Wages, and
Profits: A Case Study of the United Kingdom in the 1990s Gagnon,
Joseph E. www.federalreserve.gov/pubs/ifdp/2003/772/default.htm
August 20, 2003 - The Federal Reserve Board on Wednesday announced
the issuance of a consent Order of Assessment of a Civil Money
Penalty against the Community State Bank, Avilla, Indiana, a state
member bank. Community State Bank, without admitting to any
allegations, consented to the issuance of the Order in connection
with its alleged violations of the Board's Regulations implementing
the National Flood Insurance Act.
www.federalreserve.gov/boarddocs/press/enforcement/2003/200308202/default.htm
August 20, 2003 - The Federal Reserve Board on Wednesday announced
the execution of an Amendment to the Written Agreement by and among
the Consolidated Bank and Trust Company, Richmond, Virginia, the
Bureau of Financial Institutions of the Commonwealth of Virginia,
Richmond, Virginia, and the Federal Reserve Bank of Richmond.
www.federalreserve.gov/boarddocs/press/enforcement/2003/20030820/default.htm
August 19, 2003 - The Federal Reserve Board on Tuesday published its
annual adjustment of the dollar amount that triggers additional
disclosure requirements under the Truth in Lending Act for home
mortgage loans that bear rates or fees above a certain amount. www.federalreserve.gov/boarddocs/press/bcreg/2003/20030819/default.htm
August 19, 2003 - NCUA - Chairman Dollar's Letter to Capitol Hill on
Alternative Capital and Chairman Dollar's Response to Questions
Letter: www.ncua.gov/news/speeches/2003/03AugLetterToCapitalHill.pdf
Response: www.ncua.gov/news/speeches/2003/03AugResponsesToQuestions.pdf
August 19, 2003 - San
Francisco Fed announces new online Center for Community
Development Investments - The Federal Reserve Bank of San Francisco today
announced the creation of its Center for Community Development
Investments. The Center is collaboration between the FRBSF and
community reinvestment industry leaders, with a mission to serve as
a national center for community development investment resources,
research, and training. www.frbsf.org/news/releases/2003/0818.html
August 18, 2003 - Remarks
by Governor Edward M. Gramlich At the 25th
anniversary of the Neighborhood Reinvestment Corporation and the
NeighborWorks® System, Washington, D.C. www.federalreserve.gov/boarddocs/speeches/2003/20030818/default.htm
August 18, 2003 - Credit Unions Post Solid Midyear Saving and Loan
Growth - Federally insured credit unions show solid share growth
across the board and solid growth in mortgage and used auto lending
during the first six months of 2003 reflecting the continued robust
pace of savings along with an expanding mortgage and auto lending
market intrinsic with low interest rate financing. www.ncua.gov/news/press_releases/2003/NR03-0818.htm
August 18, 2003 - Disciplinary Actions Against Accountants
Performing Section 36 Audit Services - The
banking and thrift regulatory agencies have issued final rules
governing their authority to take disciplinary actions against
independent public accountants and accounting firms that perform
audit and attestation services required by Section 36 of the Federal
Deposit Insurance Act. www.fdic.gov/news/news/financial/2003/fil0366.html
August 18, 2003 - Financial
Holding Companies - Under the Bank Holding Company Act, bank
holding companies may elect to be financial holding companies. www.federalreserve.gov/generalinfo/FHC/default.htm
August 15, 2003 - Articles
from the Federal Reserve Bulletin August 2003 - Monetary
Policy Report to the Congress - The subpar performance of the U.S.
economy extended into the first half of 2003. Although accommodative
macroeconomic policies and continued robust productivity growth
helped to sustain aggregate demand, businesses remained cautious
about spending and hiring. www.federalreserve.gov/pubs/bulletin/2003/03bulletin.htm
August 15, 2003 - Senior
Loan Officer Opinion Survey on Bank Lending Practices - The August 2003 Senior Loan Officer Opinion Survey on
Bank Lending Practices addressed changes in the supply of, and
demand for, bank loans to businesses and households over the past
three months. www.federalreserve.gov/boarddocs/snloansurvey/200308/default.htm
August 14, 2003 - OCC Allows National Bank Offices Affected by Major
Power Outages to Close - The Office of the Comptroller of the
Currency today issued a proclamation allowing national bank offices
affected by the major power outages affecting the northern United
States to close at their discretion.
Press Release: www.occ.treas.gov/newsrelease.asp?Doc=92JXHYO1.xml
Attachment: www.occ.treas.gov/ftp/release/2003-64a.htm
August 14, 2003 - Industrial
Production And Capacity Utilization - Industrial
production rose 0.5 percent in July after having changed little in
the previous two months. www.federalreserve.gov/Releases/G17/Current/
_____________
August 14, 2003 - Minutes of
the Federal Open Market Committee
- A meeting of the
Federal Open Market Committee was held in the offices of the Board
of Governors of the Federal Reserve System in Washington, D.C.,
starting on Tuesday, June 24, 2003, at 2:30 p.m. and continuing on
Wednesday, June 25, 2003, at 9:00 a.m. www.federalreserve.gov/fomc/minutes/20030625.htm
August 14, 2003 - Working
Papers - Finance and Economics Discussion Series 2003-29
through 2003-39 www.federalreserve.gov/pubs/feds/2003/index.html
August 13, 2003 - Treasury and Federal Reserve Identify Top Five
Fundamentals For Management of Personal Credit - The Treasury
Department and the Federal Reserve Board today announced the top
five fundamental practices that consumers should follow to manage
their personal credit. www.federalreserve.gov/boarddocs/press/other/2003/20030813/default.htm
August 12, 2003 - The Federal Open Market Committee decided today to
keep its target for the federal funds rate at 1 percent. www.federalreserve.gov/boarddocs/press/monetary/2003/20030812/default.htm
August 12, 2003 - Agencies Jointly Issue Request for Comment on
Interagency Guidance on Response Programs to Protect Against
Identity Theft - The federal bank and thrift regulatory agencies
today requested public comment on proposed guidance that would
require financial institutions to develop programs to respond to
incidents of unauthorized access to customer information, including
procedures for notifying customers under certain circumstances.
Press Release: www.federalreserve.gov/boarddocs/press/bcreg/2003/20030812/default.htm
Press Release: www.fdic.gov/news/news/press/2003/pr7803.html
Press Release: www.fdic.gov/news/news/financial/2003/fil0363.html
Press Release: www.ots.treas.gov/docs/77326.html
Press Release: www.occ.treas.gov/jointnewsrelease.asp?Doc=R6CNCY3.xml
Attachment: www.occ.treas.gov/ftp/release/2003-63a.pdf
August 11, 2003 - NCUA - Opinion
Letter -03-0510 - Secrecy of Member Ballot in Federal Credit Union
Elections. www.ncua.gov/ref/opinion_letters/2003_letters/03-0510.htm
August 11, 2003 - Missouri Commemorative Quarters To Be Shipped
August 11 - The Federal Reserve Bank of St. Louis is scheduled to
ship Missouri commemorative quarters to depository institutions in
the St. Louis area starting the week of August 11. Residents in
other areas of Missouri should begin seeing the quarter at their
financial institutions in the next several weeks. www.stlouisfed.org/news/releases/2003/08_06_03.htm
August 11, 2003 - Interagency
Advisory on the Use of the Federal Reserve's Primary Credit Program
in Effective Liquidity Management - This bulletin transmits an
Interagency Advisory to banks on how to use the Federal Reserve's
new Primary Credit Program. The program is intended to make discount
window credit more readily available.
Press release:
http://www.occ.treas.gov/ftp/bulletin/2003-36.txt
Attachment: http://www.occ.treas.gov/ftp/bulletin/2003-36.txt
August 11, 2003 - Effective corporate governance and the role of
counsel - Governor
Susan Schmidt Bies At the Annual Meeting of the
American Bar Association, San Francisco, California. http://www.federalreserve.gov/boarddocs/speeches/2003/20030810/default.htm
_____________
August 8, 2003 - Regulators Issue Interagency
Paper On Sound Practices To Strengthen The Resilience Of The U.S.
Financial System - Three federal regulatory agencies today issued an
"Interagency Paper on Sound Practices to Strengthen the Resilience of
the U.S. Financial System." Among
other things, the Board of Governors of the Federal Reserve System, the
Office of the Comptroller of the Currency, and the Securities and Exchange
Commission identified sound practices to strengthen the resilience of
critical U.S. financial markets and minimize the immediate systemic
effects of a wide-scale disruption.
Press Release: www.occ.treas.gov/ftp/release/2003-28.htm
Attachment: www.occ.treas.gov/ftp/bulletin/2003-14a.pdf
August 8, 2003 - Guidelines for Real Estate Lending Policies - This
issuance reiterates and expands guidance in Appendix B of the "Commercial
Real Estate and Construction Lending" booklet of the Comptroller's
Handbook, and defines a finished lot loan for lending standard
purposes. Risk management insurance products and nonconforming loan
amounts are also addressed. www.occ.treas.gov/ftp/advisory/2003-7.txt
August 8, 2003 - NCUA - Dollar
Says NCUA Will Review Regulations On Disclosures For Credit Unions
Converting To Thrifts - NCUA
Chairman Says Potential For Undisclosed Demutualization Of Member-Owned
Credit Unions Requires Stronger Member Disclosure Provisions To Ensure
Transparency and Awareness Of Potential Future Loss Of Ownership Interests
www.ncua.gov/news/press_releases/2003/NR03-0807.htm
August 8, 2003 - Agencies Issue Final Rules on Disciplinary Actions
Against Accountants and Accounting Firms Performing Certain Audit Services
- The federal bank and thrift regulatory agencies today issued final rules
governing their authority to take disciplinary actions against independent
public accountants and accounting firms that perform audit and attestation
services required by section 36 of the Federal Deposit Insurance Act.
Press Release: www.federalreserve.gov/boarddocs/press/bcreg/2003/20030808/default.htm
Press Release: www.fdic.gov/news/news/press/2003/pr7703.html
Press Release: www.ots.treas.gov/docs/77325.html
Press Release: www.occ.treas.gov/jointnewsrelease.asp?Doc=HCCGYGD8.xml
Attachment: www.occ.treas.gov/ftp/release/2003-62a.pdf
August 7, 2003 - Bank Activities and Operations; and Real Estate Lending
and Appraisals - The Office of the Comptroller of the Currency (OCC)
published the attached notice of proposed rulemaking (NPRM) in the Federal
Register on August 5, 2003. The
NPRM invites comments on proposed amendments to 12 CFR 7 and 34 of its
regulations.
Press release: www.occ.treas.gov/ftp/bulletin/2003-35.txt
Attachment: www.occ.treas.gov/fr/fedregister/68fr46119.pdf
August 7, 2003 - Notice of Address Change - Banks should begin using the
new address in adverse action notices required under the Equal Credit
Opportunity Act, 15 USC 1691, and 12 CFR 202, as soon as practicable. www.occ.treas.gov/ftp/bulletin/2003-33.txt
August 7, 2003 - Home Mortgage Disclosure Act (Regulation C) Description:
Final Rule The Board of Governors of the Federal Reserve System
published a final rule on May 28, 2003, that adopts revisions to the
official staff commentary to Regulation C, which implements the Home
Mortgage Disclosure Act
Press Release: www.occ.treas.gov/ftp/bulletin/2003-34.txt
Attachment: www.occ.treas.gov/fr/fedregister/68fr31589.pdf
August 7, 2003 - The role of community
bank directors in strengthening corporate governance - Governor
Susan Schmidt Bies At the Community Bank Directors
Conference of the Federal Reserve Bank of Chicago, Des Moines, Iowa www.federalreserve.gov/boarddocs/speeches/2003/
August 6, 2003 - The Federal Reserve Board on Wednesday announced the
approval of the application of CITIC Ka Wah Bank Limited, Hong Kong
Special Administrative Region, People's Republic of China, to establish
branches in New York, New York, and Los Angeles, California www.federalreserve.gov/boarddocs/press/orders/2003/20030806/default.htm
August 6, 2003 - FDIC Issues August List Of Banks Examined For CRA
Compliance - The Federal Deposit Insurance Corporation today issued its
monthly list of state nonmember banks recently evaluated for compliance
with the Community Reinvestment Act. www.fdic.gov/news/news/press/2003/pr7603.html
August 4, 2003 - The Federal Reserve Board on Monday announced its
approval of the applications by Woori Finance Holdings Co., Ltd. and Woori
Bank, both in Seoul, Korea, to acquire Panasia Bank, National Association,
Fort Lee, New Jersey. www.federalreserve.gov/boarddocs/press/orders/2003/20030804/default.htm
August 4, 2003 - Proposed Supervisory Guidance On Internal Ratings-Based
Systems For Corporate Credit And Operational Risk - Federal Banking and
Thrift Regulatory Agencies Seek Comment on Proposed Supervisory Guidance
on Internal Ratings-Based Systems for Corporate Credit and on Operational
Risk Advanced Measurement Approaches for Regulatory Capital www.fdic.gov/news/news/financial/2003/fil0362.html
August 4, 2003 - Risk-Based Capital Rules - Federal Banking and Thrift
Regulatory Agencies Are Seeking Comment on an Advance Notice of Proposed
Rulemaking on Possible New Risk- Based Capital Rules for Selected Large
U.S. Banks www.fdic.gov/news/news/financial/2003/fil0361.html
August 4, 2003 - Financial Holding
Companies - Under the Bank Holding Company Act, bank holding
companies may elect to be financial holding companies. Following is
a list of those companies whose elections to become or be treated as
financial holding companies are effective. www.federalreserve.gov/GeneralInfo/FHC/default.htm
August 4, 2003 - Agencies Announce Publication of Documents Related to
Basel Accord Implementation - The four federal bank and thrift regulatory
agencies announced today the publication of joint Federal Register notices
and requests for comment on two interagency documents related to the
proposed implementation of the new Basel Capital Accord in the United
States.
Press Release: www.federalreserve.gov/boarddocs/press/bcreg/2003/20030804/default.htm
Press Release: www.fdic.gov/news/news/press/2003/pr7503.html
Press Release: www.ots.treas.gov/docs/77324.html
Press Release: www.occ.treas.gov/jointnewsrelease.asp?Doc=GZ810X9H.xml
Attachment: http://www.occ.treas.gov/fr/fedregister/68fr45900.pdf
Attachment: http://www.occ.treas.gov/fr/fedregister/68fr45949.pdf
Attachment: www.occ.treas.gov/ftp/bulletin/2003-32.doc
_____________
August 1, 2003 - OCC Requires First Consumers National Bank to Refund
Customer Fees - The Office of the Comptroller of the Currency has entered
into a formal agreement with First Consumers National Bank, Beaverton,
Oregon, that requires the Bank to refund various credit card fees to
customers.
Press Release: www.occ.treas.gov/newsrelease.asp?Doc=CR79N6BX.xml
Attachment: www.occ.treas.gov/foia/First%20Consumersfinal%20formal%20agreement.pdf
August 1, 2003 - The OCC has
published for comment its proposed strategic plan for the years 2003
through 2008. The proposal sets forth the strategic goals, program
objectives, and strategies that will guide the agency for the next five
years. www.occ.treas.gov/spln2003.pdf
August 1, 2003 - The Federal Financial Institutions Examination Council
today announced the availability of data for the year 2002 regarding
mortgage lending transactions at 7,771 financial institutions covered by
the Home Mortgage Disclosure Act in metropolitan areas throughout the
nation. www.ffiec.gov/hmcrpr/hm080103.htm
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