R. Kinney Williams - Yennik, Inc.
R. Kinney Williams
Yennik, Inc.

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Bank Regulatory News

August 2006

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August 31, 2006 - Remarks by Chairman Ben S. Bernanke - Before Leadership South Carolina, Greenville, South Carolina August 31, 2006 - Productivity.   www.federalreserve.gov/boarddocs/speeches/2006/20060831/default.htm 

August 31, 2006 - The Federal Reserve Board on Thursday announced the issuance of an Order of Prohibition against Matthew Censoplano, a former institution-affiliated party of Capital One Bank, Glen Allen, Virginia. www.federalreserve.gov/boarddocs/press/Enforcement/2006/20060831/default.htm

August 31, 2006 - FDIC Makes Public July Enforcement Actions; No Administrative Hearings Scheduled - The Federal Deposit Insurance Corporation today released a list of orders of administrative enforcement actions taken against banks and individuals in July. www.fdic.gov/news/news/press/2006/pr06081.html 

August 31, 2006 - FDIC Issues Fourth Quarter 2006 CRA Examination Schedule - The Federal Deposit Insurance Corporation has issued the public list of institutions that it has scheduled for a Community Reinvestment Act examination during the fourth quarter of 2006. www.fdic.gov/news/news/press/2006/pr06080.html 

August 30, 2006 - SR Letter 06-14 - Revised Policy Governing Access to Confidential Supervisory Information.   www.federalreserve.gov/boarddocs/srletters/2006/SR0614.htm 

August 29, 2006 - OCC Announces New Electronic Interpretations and Actions - August 2006.  www.occ.treas.gov/interp/aug06/intaug06.htm 

August 29, 2006 - Industrial Loan Companies Request for Public Comment on Wide-Ranging Issues - The FDIC is seeking public comment on wide-ranging issues involving industrial loan company charters. Comments are due by October 10, 2006. www.fdic.gov/news/news/financial/2006/fil06079.html 

August 29, 2006 - SR Letters - Questions and Answers Related to Interagency Guidance on Authentication in an Internet Banking Environment - To assist the banking industry and examiners, the Board of Governors of the Federal Reserve System and the other Federal Financial Institutions Examination Council agencies have issued the attached frequently asked questions related to the FFIEC guidance on Authentication in an Internet Banking Environment.
Press Release: www.federalreserve.gov/boarddocs/srletters/2006/SR0613.htm 
Press Release: www.federalreserve.gov/boarddocs/SRLETTERS/2006/SR0613.htm 

August 29, 2006 - The Federal Reserve Board and the Federal Open Market Committee on Tuesday released the attached minutes of the Committee meeting held on August 8, 2006. www.federalreserve.gov/boarddocs/press/monetary/2006/20060829/default.htm 

August 29, 2006 - OCC Working Paper 2006-1, "Foreclosures of Subprime Mortgages in Chicago: Analyzing the Role of Predatory Lending Practices," by Morgan Rose. - Examines whether two frequently cited predatory mortgage lending practices, long prepayment penalty periods and balloon payments, increase the probability of foreclosure. www.occ.treas.gov/wp2006-1.htm 

August 29, 2006 - OCC Allows National Bank Offices Affected by Tropical Storm/Hurricane Ernesto to Close - The Office of the Comptroller of the Currency today issued a proclamation allowing national bank offices affected by Tropical Storm/Hurricane Ernesto to close at their discretion. www.occ.treas.gov/toolkit/newsrelease.aspx?Doc=N9813EF1.xml 

August 29, 2006 - Helping Teens Get Good Grades in Money Management: A How-To Guide from the FDIC - For teens, saving money may not be as much fun as spending it, but putting dollars aside for their future and learning how to be smart consumers are still important things to do. Teens have access to more money than ever before thanks to allowances, gifts and, for many, income from jobs. Teens also are becoming more responsible for making decisions about everything from small, everyday purchases to saving for college or a car. www.fdic.gov/news/news/press/2006/pr06079.html 

August 29, 2006 - Proposal to approve under OMB delegated authority the extension for three years, with revision of the following collection of information: FR Y-12 and FR Y-12A.  www.federalreserve.gov/generalinfo/foia/proposedregs.cfm 

August 29, 2006 - FRB Proposal for approval of the following new collection of information: Survey of Information Sharing Practices with Affiliates.   www.federalreserve.gov/generalinfo/foia/proposedregs.cfm 

August 28, 2006 - Safeguarding Examination Information Updated Procedures Issued for FDIC Examination Staff - The FDIC is enhancing the protection of examination information and other sensitive data, and has issued updated procedures to its examination staff on safeguarding this information. www.fdic.gov/news/news/financial/2006/fil06078.html 

August 25, 2006 - Comptroller of the Currency Hosts Community Bank Directors Workshop in San Antonio - The Office of the Comptroller of the Currency will host a workshop for national community bank directors at the Hyatt Regency Hotel, San Antonio, Texas, on Sept. 26. www.occ.treas.gov/toolkit/newsrelease.aspx?Doc=8R09KPTF.xml 

August 25, 2006 - Comptroller of the Currency Hosts Community Bank Directors Workshop in Albany - The Office of the Comptroller of the Currency will host a workshop for national community bank directors at the Desmond Hotel, Albany, N.Y., on Sept. 21. www.occ.treas.gov/toolkit/newsrelease.aspx?Doc=4FW33MG0.xml 

August 25, 2006 - FRB Statistical Release - G.20 Finance Companies.  www.federalreserve.gov/releases/g20/Current/ 

August 25, 2006 - Legal Interpretations - Letter to Justin McClinton, Tennessee Department of Financial Institutions, clarifying whether a single member limited liability company may maintain a NOW account under Regulation D (12 CFR Part 204). www.federalreserve.gov/boarddocs/legalint/federalreserveact/2006/20060823.pdf 

August 25, 2006 - The Federal Reserve Board published, in the August 9, 2006, Federal Register, 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. The Home Ownership and Equity Protection Act of 1994 established rules for home-secured loans in which the total points and fees payable by the consumer at or before loan closing exceed the greater of $400 or 8 percent of the total loan amount. www.occ.treas.gov/ftp/bulletin/2006-38.html 

August 25, 2006 - Chairman Ben S. Bernanke - Global Economic Integration: What's New and What's Not? - At the Federal Reserve Bank of Kansas City's Thirtieth Annual Economic Symposium, Jackson Hole, Wyoming www.federalreserve.gov/boarddocs/speeches/2006/20060825/default.htm
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August 24, 2006 - Banks and Thrifts Report Record Earnings in Second Quarter Strong demand for commercial and consumer loans boosts net interest income - Commercial banks and savings institutions insured by the Federal Deposit Insurance Corporation reported net income of $38.1 billion for the second quarter of 2006, surpassing the previous quarterly earnings record of $36.9 billion set in the first quarter. This is the fifth time in the last six quarters that industry earnings have set a new record. www.fdic.gov/news/news/press/2006/pr06078.html 

August 24, 2006 - Trade Integration, Competition, and the Decline in Exchange-Rate Pass-Through - Christopher Gust, Sylvain Leduc, and Robert J. Vigfusson - Over the past twenty years, U.S. import prices have become less responsive to the exchange rate. We propose that a significant portion of this decline is a result of increased trade integration. www.federalreserve.gov/pubs/ifdp/2006/864/default.htm 

August 24, 2006 - The Federal Reserve Board on Thursday announced its approval of a final rule to provide that payroll card accounts are covered by the Board's consumer protection regulation governing electronic fund transfers. www.federalreserve.gov/boarddocs/press/bcreg/2006/20060824/default.htm 

August 23, 2006 - OCC Names Scarlett Duplechain its new Community Affairs Officer for New Orleans - The Office of the Comptroller of the Currency today announced Scarlett Duplechain as its new Community Affairs Officer in New Orleans. www.occ.treas.gov/toolkit/newsrelease.aspx?Doc=MDHNWVQ9.xml 

August 23, 2006 - Thrift Industry Performance Remains Strong in Second Quarter - The Office of Thrift Supervision reported today that the nation's thrift industry posted strong earnings and profitability, solid loan growth and healthy asset quality in the second quarter of 2006. www.ots.treas.gov/docs/7/776037.html 

August 23, 2006 - Agency Information Collection Activities - Proposal to approval the extension for three years, without revision, of the following collection of information: Country Exposure Report U.S. Branches and Agencies of Foreign Banks.   www.federalreserve.gov/generalinfo/foia/proposedregs.cfm 

August 22, 2006 - The Telephone Consumer Protection Act, 47 USC 227, and its implementing regulation, 47 CFR 64.1200, establish requirements for all entities, including national banks, that conduct "telemarketing" either directly or through a third party. www.occ.treas.gov/ftp/bulletin/2006-37.html 

August 22, 2006 - The Federal Reserve Board on Tuesday announced the issuance of a consent Cease and Desist Order against the Bank of York, York, Alabama. www.federalreserve.gov/boarddocs/press/Enforcement/2006/20060822/default.htm 

August 22, 2006 - Statistical Release - Charge-Off and Delinquency Rates on Loans at Commercial Banks added to Data Download application.   www.federalreserve.gov/datadownload/Choose.aspx?rel=CHGDEL 

August 22, 2006 - Statistical Release - Charge-Off and Delinquency Rates on Loans at Commercial Banks - These data are compiled from the quarterly FFIEC Consolidated Reports of Condition and Income. www.federalreserve.gov/releases/chargeoff/default.htm 

August 21, 2006 - Authentication in an Internet Banking Environment - The Federal Financial Institutions Examination Council has published the attached frequently asked questions to assist financial institutions and their technology service providers in conforming with the FFIEC guidance entitled Authentication in an Internet Banking Environment. www.fdic.gov/news/news/financial/2006/fil06077.html 

August 21, 2006 - Federal Reserve Bulletin -Legal Developments: Second Quarter, 2006.  www.federalreserve.gov/pubs/bulletin/default.htm#legal 

August 21, 2006 - A Trend and Variance Decomposition of the Rent-Price Ratio in Housing Markets - Sean D. Campbell, Morris A. Davis, Joshua Gallin, and Robert F. Martin - We use the dynamic Gordon-growth model to decompose the rent-price ratio for owner-occupied housing in the U.S., four Census regions, and twenty-three metropolitan areas into three components: The expected present value of real rental growth, real interest rates, and future housing premia. www.federalreserve.gov/pubs/feds/2006/200629/200629abs.html 

August 21, 2006 - FFIEC BSA/AML Examination Manual Outreach Fact Sheet that includes registration information for two nationwide interagency conference calls regarding the release of the revised 2006 FFIEC BSA/AML Examination Manual for the banking industry. www.ffiec.gov/pdf/bsa_registration.pdf 

August 21, 2006 - Legal Interpretations - To Gregory J. Lyons in response to a request on behalf of State Street, allowing State Street to assess regulatory capital against certain of its indemnified agency securities lending transactions. www.federalreserve.gov/boarddocs/legalint/bhc_changeincontrol/2006/20060815.pdf 

August 18, 2006 - Bank Secrecy Act - Bank Secrecy Act/Anti-Money Laundering Interagency Outreach - Registration information is available for two nationwide conference calls to address changes to the FFIEC BSA/AML Examination Manual. www.fdic.gov/news/news/financial/2006/fil06076.html 

August 18, 2006 - NCUA - Letter to Federal Credit Unions 06-FCU-04 - Evaluation of Earnings.  www.ncua.gov/letters/2006/FCU/06-FCU-04.pdf 

August 18, 2006 - The Federal Reserve Board on Friday announced the approval of the application of The International Commercial Bank of China Co., Ltd., Taipei, Taiwan, to establish branches in Los Angeles and San Jose, California, and New York, New York. www.federalreserve.gov/boarddocs/press/orders/2006/20060818/default.htm   
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August 17, 2006 - FDIC Seeks Public Comment on Wide-Ranging Issues Involving Industrial Loan Company Charters - The Board of Directors of the Federal Deposit Insurance Corporation voted to seek public comment on a variety of issues relating to Industrial Loan Companies. On July 28, 2006, the FDIC imposed a six-month moratorium on ILC deposit insurance applications and change in control notices www.fdic.gov/news/news/press/2006/pr06077.html 

August 17, 2006 - Report to Congress - Federal Reserve Board of Governors, Division of Information Technology Strategic Plan, 2006-2009.   www.federalreserve.gov/boarddocs/rptcongress/itstrategicplan/itstrategicplan2006-2009.htm 

August 16, 2006 - Huchingson Named to St. Louis Fed's Real Estate Council - Kevin Huchingson, president and principal of Colliers Dickson Flake Partners Inc., a full-service commercial real estate services firm, has been named to the Real Estate Council of the Federal Reserve Bank of St. Louis. www.stlouisfed.org/news/releases/2006/08_16_06b.htm 

August 16, 2006 - The Federal Reserve Bank of St. Louis announced the following promotions in the Reserve Bank's Research Division: St. Louis Fed Promotes Guidolin, Owyang and Pakko.  www.stlouisfed.org/news/releases/2006/08_16_06.htm 

August 16, 2006 - OCC Releases CRA Evaluations For 17 National Banks - The Office of the Comptroller of the Currency today released a list of Community Reinvestment Act performance evaluations that became public during the period of July 15, 2006 through August 14, 2006. www.occ.treas.gov/toolkit/newsrelease.aspx?Doc=WUDL13G5.xml 

August 16, 2006 - OCC Enforcement Actions - The Office of the Comptroller of the Currency today released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks. www.occ.treas.gov/ftp/release/2006-86.htm 

August 16, 2006 - Statistical Release - G.17 Industrial Production- Industrial production increased 0.4 percent in July after a gain of 0.8 percent in June. Manufacturing output increased 0.1 percent in July; excluding motor vehicles and parts, manufacturing production rose 0.7 percent. With temperatures well above normal during July, the output of utilities rose 2.0 percent. Production at mines climbed 0.8 percent. www.federalreserve.gov/releases/g17/current/default.htm 

August 15, 2006 - Office of the Comptroller of the Currency published in the Federal Register the attached final rule amending part 8 of the OCC's rules concerning the timing of payments of OCC assessments. www.occ.treas.gov/ftp/bulletin/2006-36.doc 

August 15, 2006 - The Federal Reserve Board announced today the approval of the application of Taiwan Cooperative Bank, Taipei, Taiwan, to establish branches in Los Angeles, California, and Seattle, Washington. www.federalreserve.gov/boarddocs/press/orders/2006/20060815/default.htm 

August 15, 2006 - The Federal Financial Institutions Examination Council member agencies today released a frequently asked questions document to aid in the implementation of the interagency guidance on Authentication in an Internet Banking Environment issued October 12, 2005.
Press Release: www.ffiec.gov/press/pr081506.htm 
Press Release: www.occ.treas.gov/ftp/bulletin/2006-35.doc 
Press Release: www.ots.treas.gov/docs/7/776036.html 
Press Release: www.ncua.gov/news/press_releases/2006/JR06-0815.pdf 
Press Release: www.ots.treas.gov/docs/7/776036.html 

August 15, 2006 - The Federal Reserve Board on Tuesday announced the termination of the enforcement action Consolidated Bank and Trust Company, Richmond, Va. Written Agreement dated September 5, 2000 Terminated July 26, 2006.   www.federalreserve.gov/boarddocs/press/Enforcement/2006/20060815/default.htm 

August 14, 2006 - OCC Issues Guidance on Gift Cards- The Office of the Comptroller of the Currency today issued guidance on disclosure and marketing issues associated with gift cards. The guidance focuses on the need for national banks that issue gift cards to do so in a manner in which both purchasers and recipients are fully informed of the product's terms and conditions.
Press Release: www.occ.treas.gov/toolkit/newsrelease.aspx?Doc=M182NCDR.xml 
Attachment: www.occ.treas.gov/ftp/bulletin/2006-34.doc 

August 14, 2006 - Surveys and Reports - July 2006 Senior Loan Officer Opinion Survey on Bank Lending Practices - The July 2006 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. Special questions in the survey addressed domestic banks' holdings of subprime residential mortgages and non-traditional residential mortgage products. www.federalreserve.gov/BoardDocs/snloansurvey/200608/default.htm 

August 14, 2006 - The Federal Reserve Board on Monday requested comment on proposed revisions to its 1980 interpretation of Regulation D (Reserve Requirements of Depository Institutions) setting forth criteria for the "bankers' bank" exemption from reserve requirements. www.federalreserve.gov/boarddocs/press/bcreg/2006/20060814/default.htm 

August 11, 2006 - Deposit Insurance Coverage - New Spanish Language Overview Video Now Available - Summary: The FDIC has produced a new Spanish language video for bank employees and customers explaining federal deposit insurance coverage. The new video, which features professional actors, is available for viewing by the public through the FDIC's Web site and can be ordered by insured institutions on VHS, DVD and CD-ROM. www.fdic.gov/news/news/financial/2006/fil06075.html 

August 11, 2006 - Banking Structure - 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 11, 2006 - The Federal Reserve Board on Friday announced its approval of the proposal by Juniata Valley Financial Corp., Mifflintown, to acquire 39.2 percent of the voting shares of The First National Bank of Liverpool, Liverpool, both in Pennsylvania. www.federalreserve.gov/boarddocs/press/orders/2006/20060811/default.htm 

August 11, 2006 - NCUA - Letter to Credit Unions 06-CU-13 - Authentication for Internet Based Services.  www.ncua.gov/letters/2006/CU/06-CU-13.doc
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August 9, 2006 - OTS Appoints RICHARD GAFFIN As Senior Advisor for International Operations - The Office of Thrift Supervision announced today the fellowship appointment of Richard B. Gaffin III to serve as its Senior Advisor for International Operations. www.ots.treas.gov/docs/7/776035.html 

August 9, 2006 - The Federal Reserve Board on Wednesday 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/2006/20060809/default.htm 

August 9, 2006 - Agencies Issue Report on Compliance with Consumer Dispute Provisions of FCRA - The Federal Trade Commission and Federal Reserve Board on Wednesday issued a joint report to Congress on compliance with the consumer dispute provisions of the Fair Credit Reporting Act. www.federalreserve.gov/boarddocs/press/other/2006/20060809/default.htm 

August 9, 2006 - The Federal Reserve Board on Wednesday 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/2006/20060809/default.htm 

August 9, 2006 - The Federal Reserve Board on Wednesday announced its approval of the application of Citizens First State Bank of Walnut, Walnut, Illinois, to establish a branch at 9226 2125 North Avenue, Manlius, Illinois. www.federalreserve.gov/boarddocs/press/orders/2006/20060809/default.htm 

August 8, 2006 - The Federal Open Market Committee decided today to keep its target for the federal funds rate at 5-1/4 percent. www.federalreserve.gov/boarddocs/press/monetary/2006/20060808/default.htm 

August 7, 2006 - Federal Reserve Bulletin Article - Credit Card Disclosures, Solicitations, and Privacy Notices: Survey Results of Consumer Knowledge and Behavior www.federalreserve.gov/pubs/bulletin/default.htm 

August 7, 2006 - FRB Statistical Release - G.19 Consumer Credit.  www.federalreserve.gov/releases/g19/current/default.htm 

August 4, 2006 - NCUA - Board Member Hyland Outlines IT Issues at CUNA's Technology Council - Speaking today before 150 IT professionals attending CUNA's Technology Council conference, Board Member Gigi Hyland underscored the crucial role of IT professionals as strategic partners in assuring that credit unions thrive in the future. Among the topics discussed were upcoming requirements to deploy multifactor authentication, as well as data security, plastic card fraud, and ID theft. www.ncua.gov/news/press_releases/2006/MA06-0804.htm
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August 3, 2006 - NCUA - Access Across America Summit Set in Norfolk - NCUA is hosting an Access Across America Economic Empowerment Summit October 3, 2006, at the Norfolk Waterside Marriott Hotel in Norfolk, Virginia. Registration opens at 8 a.m. and the program will begin at 9 a.m. www.ncua.gov/news/press_releases/2006/MR06-0803.htm 

August 3, 2006 - Hearings under the Home Ownership and Equity Protection Act - Transcript from San Francisco hearing, June 16, 2006.   www.federalreserve.gov/events/publichearings/hoepa/2006/20060616/default.htm 

August 3, 2006 - The Federal Reserve Board on Thursday announced its approval of the proposal by Trustmark Corporation, Jackson, Mississippi, to acquire Republic Bancshares of Texas, Inc. and its subsidiary bank, Republic National Bank, both of Houston, Texas. www.federalreserve.gov/boarddocs/press/orders/2006/20060803/default.htm 

August 3, 2006 - FDIC Issues List of Banks Examined for CRA Compliance - The Federal Deposit Insurance Corporation today issued its list of state nonmember banks recently evaluated for compliance with the Community Reinvestment Act.  www.fdic.gov/news/news/press/2006/pr06075.html 

August 3, 2006 - Proposal for comment - Request for comments on a proposed amendment to an interim rule that clarifies the limitations of access to sensitive information by non-citizen employees.   www.federalreserve.gov/generalinfo/foia/proposedregs.cfm 

August 2, 2006 - Banking Structure - 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/ 

August 2, 2006 - FRB Statistical Release - U.S. Reserve Assets; Foreign Official Assets Held at Federal Reserve Banks.   www.federalreserve.gov/Releases/bulletin/0706assets.htm 

August 1, 2006 - National Historic Preservation Act of 1966 Revisions to the FDIC Statement of Policy Regarding the National Historic Preservation Act - The FDIC has revised its Statement of Policy Regarding the National Historic Preservation Act of 1966.   www.fdic.gov/news/news/financial/2006/fil06070.html 

August 1, 2006 - Statistical Supplement to the Federal Reserve Bulletin July 2006.  www.federalreserve.gov/pubs/supplement/2006/07/default.htm 

August 1, 2006 - NCUA - Board Member Hyland Participates in Podcast - National Credit Union Administration Board Member Gigi Hyland and her Senior Policy Advisor, Gary Kohn, today participated in a podcast entitled "Current Issues in Credit Unions, Episode 4." The podcast is a monthly, collaborative effort by four well-known credit union attorneys to discuss issues facing the credit union system. www.ncua.gov/news/press_releases/2006/MA06-0801.htm 

August 1, 2006 - NCUA - Mt. Hebron Baptist Federal Credit Union Placed Into Conservatorship - The National Credit Union Administration has assumed control of the operations at Mt. Hebron Baptist Federal Credit Union of Philadelphia, Pennsylvania, with the goal of continuing credit union service to its members and ensuring a safe, sound credit union operation. www.ncua.gov/news/press_releases/2006/MR06-0801.htm 

August 1, 2006 - FDIC Makes Public June Enforcement Actions; No Administrative Hearings Scheduled - The Federal Deposit Insurance Corporation today released a list of orders of administrative enforcement actions taken against banks and individuals in June. www.fdic.gov/news/news/press/2006/pr06074.html 

August 1, 2006 - Foreign exchange rates - The table below shows the average rates of exchange in July 2006 together with comparable figures for other months. Averages are based on daily noon buying rates for cable transfers in New York City certified for customs purposes by the federal reserve bank of New York. www.federalreserve.gov/Releases/G5/Current/default.htm 

 

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