Virtual/remote audits - I am performing virtual/remote FFIEC IT/AIO audits for banks and credit unions. I am a former bank examiner with years of IT auditing experience. Please contact R. Kinney Williams at examiner@yennik.com from your bank's email and I will send you information and fees. All correspondence is confidential.

October 31, 2024 - Energy and the Economy: Meeting Rising Energy Demand - Federal Reserve Bank of Dallas - The Federal Reserve Banks of Dallas and Kansas City will host their ninth joint energy conference on November 13 in Dallas. www.kansascityfed.org/energy/energy-conference/energy-and-the-economy-meeting-rising-energy-demand/

October 31, 2024 - Investment Connection - Oklahoma 2024 - Presentations on eight new and existing community and economic development proposals from across Oklahoma will be shared. www.kansascityfed.org/events/investment-connection-ok-11-20-2024/

October 31, 2024 - NCUA - Chairman Harper and Board Member Otsuka Statements on CFPB’s Enforcement Action Against VyStar Credit Union - National Credit Union Administration Chairman Todd M. Harper and Board Member Tanya F. Otsuka released the following statements after the Consumer Financial Protection Bureau’s enforcement action today against VyStar Credit Union. The enforcement action follows a joint investigation by the NCUA and CFPB into VyStar’s violations of the Consumer Financial Protection Act. www.ncua.gov/newsroom/press-release/2024/chairman-harper-and-board-member-otsuka-statements-cfpbs-enforcement-action-against-vystar-credit  

October 31, 2024 - NCUA Prohibits Four Individuals from Participating in the Affairs of Any Federally Insured Depository Institution - The National Credit Union Administration issued three consent orders and one prohibition notice in October 2024. https://ncua.gov/newsroom/press-release/2024/ncua-prohibits-four-individuals-participating-affairs-any-federally-insured-depository-institution-0
October 30, 2024 - NCUA Posts 2025–2026 Proposed Budget, Sets Nov. 22 Public Briefing - The National Credit Union Administration’s staff draft budget for 2025–2026 is now available on the agency’s website for review and comment. https://ncua.gov/newsroom/press-release/2024/ncua-posts-2025-2026-proposed-budget-sets-nov-22-public-briefing

October 25, 2024 - Acting Comptroller Discusses Frameworks to Identify Systemic Risk - Acting Comptroller of the Currency Michael J. Hsu today discussed the process to identify and address systemic risk during a discussion with the CFA Institute Systemic Risk Council. www.occ.gov/news-issuances/news-releases/2024/nr-occ-2024-121.html

October 25, 2024 - Tenth District Services Activity Rose Modestly in October - District services activity increased after easing last month, as revenues and sales improved along with higher employment levels. www.kansascityfed.org/surveys/services-survey/tenth-district-services-activity-rose-modestly-in-october/

October 25, 2024 - FDIC Makes Public September Enforcement Actions - The Federal Deposit Insurance Corporation today released a list of orders of administrative enforcement actions taken against banks and individuals in September 2024. www.fdic.gov/news/press-releases/2024/fdic-makes-public-september-enforcement-actions

October 25, 2024 - U.S. Monetary Policy Spillovers to Emerging Markets: Both Shocks and Vulnerabilities Matter - We use a macroeconomic model to explore how policy drivers and country vulnerabilities matter for the transmission of U.S. monetary policy shifts to emerging markets. www.federalreserve.gov/econres/ifdp/us-monetary-policy-spillovers-to-emerging-markets-both-shocks-and-vulnerabilities-matter.htm

October 25, 2024 - Credit and Liquidity Programs and the Balance Sheet - Recent balance sheet trends, weekly chart update. www.federalreserve.gov/monetarypolicy/bst_recenttrends.htm

October 24, 2024 - The Evolution of Disagreement About Long-Run Inflation, 2007–24 - In this article, we examine disagreement about long-run U.S. inflation in two closely watched surveys over the period 2007–24. www.chicagofed.org/publications/chicago-fed-letter/2024/502

October 24, 2024 - Searching for “Inflation Canaries” in Household Surveys - Current surveys of household inflation expectations make it challenging to identify “inflation canaries” - individuals who consistently send out early and accurate warning signals for inflation. www.chicagofed.org/publications/chicago-fed-letter/2024/503

October 24, 2024 - NCUA - Board Briefed on Cybersecurity, New Charters, and Field of Membership - Employees from the NCUA’s Office of Examination and Insurance and Office of the Executive Director briefed the Board on cybersecurity, hacking economics, cyber incident reporting, and the NCUA’s Information Security Examination program. www.ncua.gov/newsroom/press-release/2024/board-briefed-cybersecurity-new-charters-and-field-membership

October 24, 2024 - Statistical Release - Finance Companies - G.20. www.federalreserve.gov/releases/g20/current/default.htm
_________________________________________________

October 24, 2024 - Highlight: Asset maturity and repricing dates decline to pre-pandemic levels - Amid an elevated interest rate environment, community banks continue to shorten the maturity and repricing dates of earning assets following historic highs less than three years prior. www.kansascityfed.org/banking/community-banking-bulletins/highlight-asset-maturity-and-repricing-dates-decline-to-pre-pandemic-levels/

October 24, 2024 - Tenth District Manufacturing Activity Declined Modestly in October - Regional factory activity continued to edge down this month. www.kansascityfed.org/surveys/manufacturing-survey/tenth-district-manufacturing-activity-declined-modestly-in-october/

October 24, 2024 - Federal Reserve Board issues enforcement action with U & I Financial Corp. and UniBank . www.federalreserve.gov/newsevents/pressreleases/enforcement20241024a.htm

October 23, 2024 - St. Louis Fed Releases Beige Book - The Federal Reserve Bank of St. Louis released its portion of the Federal Reserve�s latest Beige Book, published today. www.stlouisfed.org/news-releases/2024/10/st-louis-fed-releases-beige-book

October 23, 2024 - Beige Book - Informal review by the Federal Reserve Banks of current economic conditions in their Districts. www.federalreserve.gov/monetarypolicy/beigebook202410-summary.htm

October 23, 2024 - FRB/US dataset and variable listing - October 23, 2024 update - The main FRB/US model EViews package contains model equations, programs and documentation that enables various types of simulations and provides information about the model's.  www.federalreserve.gov/econres/us-models-package.htm

October 23, 2024 - Opening remarks by Governor Bowman at the Eighth Annual Fintech Conference At the Eighth Annual Fintech Conference, Philadelphia, Pennsylvania.   www.federalreserve.gov/newsevents/speech/bowman20241023a.htm

October 22, 2024 - Creative Destruction and the Reallocation of Capital in Rural and Urban Areas - The higher rate of entries and exits among food manufacturing firms in urban versus rural areas has increased over time. www.kansascityfed.org/research/research-working-papers/creative-destruction-and-the-reallocation-of-capital-in-rural-and-urban-areas/

October 22, 2024 - OCC Guidelines Establishing Standards for Recovery Planning by Certain Large Insured National Banks, Insured Federal Savings Associations, and Insured Federal Branches: Final Guidelines.   www.occ.treas.gov/news-issuances/bulletins/2024/bulletin-2024-31.html

October 21, 2024 - Interest Rate Risk: Interest Rate Risk Statistics Report - The Office of the Comptroller of the Currency today published the fall 2024 edition of the Interest Rate Risk Statistics Report. www.occ.treas.gov/news-issuances/bulletins/2024/bulletin-2024-30.html

October 21, 2024 - OCC Finalizes Revisions to Its Recovery Planning Guidelines - The Office of the Comptroller of the Currency today finalized revisions to its recovery planning guidelines for certain large insured national banks, federal savings associations, and federal branches. www.occ.gov/news-issuances/news-releases/2024/nr-occ-2024-120.html

October 21, 2024 - Structure and Share Data for U.S. Banking Offices of Foreign Entities - Data are collected as of the end of the month for March, June, September and December, and generally are released three months later. www.federalreserve.gov/releases/iba/default.htm

October 21, 2024 - No Fear Act Quarterly Update - The Notification and Federal Employee Anti-discrimination and Retaliation Act (No FEAR Act) of 2002 increases federal agency accountability for acts of discrimination or reprisal against employees. www.federalreserve.gov/aboutthefed/eeo.htm

October 18, 2024 - Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Alaska Affected by Flooding.  www.fdic.gov/news/financial-institution-letters/2024/guidance-help-financial-institutions-and-facilitate-29

October 18, 2024 - Federal Advisory Council and Board of Governors Thursday, September 5, 2024 - Are Council members seeing any signs that consumers' willingness or capacity to spend has been changing of late? www.federalreserve.gov/aboutthefed/files/fac-20240905.pdf

October 18, 2024 - Legal Interpretations - Bank Holding Company Act, August 23, 2024. www.federalreserve.gov/supervisionreg/legalinterpretations/bhc_changeincontrol2024.htm

October 18, 2024 - Credit and Liquidity Programs and the Balance Sheet - Recent balance sheet trends, weekly chart update. www.federalreserve.gov/monetarypolicy/bst_recenttrends.htm

October 18, 2024 - Speech by Governor Waller on decentralized finance At the Vienna Macroeconomics Workshop, Institute of Advanced Studies, Vienna, Austria.   www.federalreserve.gov/newsevents/speech/waller20241018a.htm

October 17, 2024 - FDIC Extends Compliance Date for Subpart A of the FDIC Official Signs and Advertising Requirements, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC�s Name or Logo - The Federal Deposit Insurance Corporation announced that it is providing financial institutions additional time to get new process and systems in place by extending the compliance date for the new FDIC signage and advertising rule from January 1, 2025, to May 1, 2025. www.fdic.gov/news/press-releases/2024/fdic-extends-compliance-date-subpart-fdic-official-signs-and-advertising

October 17, 2024 - FDIC Board of Directors Releases Semiannual Update on Deposit Insurance Fund Restoration Plan - The Federal Deposit Insurance Corporation Board of Directors today released the latest semiannual update on the Restoration Plan for the agency�s Deposit Insurance Fund (DIF). FDIC staff projects that the reserve ratio remains on track to reach the statutory minimum of 1.35 percent ahead of the statutory deadline of September 30, 2028. www.fdic.gov/news/press-releases/2024/fdic-board-directors-releases-semiannual-update-deposit-insurance-fund

October 14, 2024 - These �discouraged� workers are left out of the unemployment rate - According to the Bureau of Labor Statistics, Chelsea Kidd is not technically a �discouraged worker.� www.marketplace.org/2024/10/14/discouraged-workers-unemployment-rate-job-market-applying/
__________________________________

October 17, 2024 - OCC Announces Enforcement Actions for October 2024 - The Office of the Comptroller of the Currency today released enforcement actions taken against national banks and federal savings associations, and individuals currently and formerly affiliated with banks the OCC supervises. www.occ.gov/news-issuances/news-releases/2024/nr-occ-2024-118.html

October 17, 2024 - Inside the Boardroom: Evidence from the Board Structure and Meeting Minutes of Community Banks - Community banks are critical for local economies, yet research on their corporate governance has been scarce due to limited data availability. www.federalreserve.gov/econres/feds/inside-the-boardroom-evidence-from-the-board-structure-and-meeting-minutes-of-community-banks.htm

October 17, 2024 - Industrial Production and Capacity Utilization - G.17 - Industrial production decreased 0.3 percent in September after advancing 0.3 percent in August. www.federalreserve.gov/releases/g17/Current/

October 16, 2024 - St - . Louis Fed�s Economy Museum Celebrates 10th Anniversary - The Economy Museum at the Federal Reserve Bank of St. Louis celebrates its 10th anniversary on Sept. 22, with special economic lessons, tips on how to spot counterfeit money and more. www.stlouisfed.org/news-releases/2024/09/museum-celebrates-10-year-anniversary

October 16, 2024 - FDIC Appoints Hansel Cordeiro as Director of New Office of Professional Conduct - In this role, Mr. Cordeiro will lead the OPC�s work to receive, investigate and report on complaints of interpersonal misconduct within the FDIC workplace. www.fdic.gov/news/press-releases/2024/fdic-appoints-hansel-cordeiro-director-new-office-professional-conduct 

October 15, 2024 - Federal and state financial regulatory agencies issue interagency statement on supervisory practices regarding financial institutions affected by Hurricane Milton - The Federal Deposit Insurance Corporation, the Federal Reserve Board, the Florida Office of Financial Regulation, the National Credit Union Administration, and the Office of the Comptroller of the Currency, collectively the agencies, recognize the serious impact of Hurricane Milton on the customers and operations of many financial institutions  and will provide appropriate regulatory assistance to affected institutions subject to their supervision.
Press Release: www.federalreserve.gov/newsevents/pressreleases/other20241015a.htm
Press Release: www.fdic.gov/news/press-releases/2024/federal-and-state-financial-regulatory-agencies-issue-interagency-0
Press Release: www.occ.gov/news-issuances/news-releases/2024/nr-ia-2024-117.html
Press Release: www.ncua.gov/newsroom/press-release/2024/federal-and-state-financial-regulatory-agencies-issue-interagency-statement-supervisory-practices-0  

October 15, 2024 - Minutes of the Board's discount rate meetings on September 9 and 18, 2024. www.federalreserve.gov/newsevents/pressreleases/monetary20241015a.htm

October 14, 2024 - Speech by Governor Christopher J. Waller - Thoughts on the Economy and Policy Rules at the Federal Open Market Committee At �A 50 Year Retrospective on the Shadow Open Market Committee and Its Role in Monetary Policy,� a conference sponsored by the Hoover Institution, Stanford University, Stanford, California www.federalreserve.gov/newsevents/speech/waller20241014a.htm

October 11, 2024 - The 18th Annual Community Bankers Symposium, Community Banking: Navigating A Changing Landscape, was hosted by the Federal Reserve Bank of Chicago, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Conference of State Bank Supervisors, took place on Friday, October 11, 2024, for an in-person event with a remote option. www.chicagofed.org/events/2024/annual-community-bankers-symposium-18th

October 11, 2024 - Tenth District Energy Activity Declined Further - District drilling and business activity posted a decline for the seventh consecutive quarter in Q3 and is not expected to rebound in coming months. www.kansascityfed.org/surveys/energy-survey/tenth-district-energy-activity-declined-further-2024/

October 11, 2024 - Credit and Liquidity Programs and the Balance Sheet. www.federalreserve.gov/monetarypolicy/bst_recenttrends.htm

October 11, 2024 - Report and Disclosures on Funding, Credit, Liquidity, and Loan Facilities. www.federalreserve.gov/publications/files/13-3-report-20241011.pdf

October 11, 2024 - A Better Way of Understanding the US Consumer: Decomposing Retail Spending by Household Income - Changes in retail spending reflect changes in consumer demand for goods. www.federalreserve.gov/econres/notes/feds-notes/a-better-way-of-understanding-the-u-s-consumer-decomposing-retail-spending-by-household-income-20241011.html

October 11, 2024 - Speech by Governor Bowman on community banking At the 18th Annual Community Bankers Symposium, Community Banking: Navigating a Changing Landscape, Chicago, Illinois www.federalreserve.gov/newsevents/speech/bowman20241011a.htm

October 10, 2024 - Household Excess Savings and the Transmission of Monetary Policy - Household savings rose above trend in many developed countries after the onset of COVID-19. www.federalreserve.gov/econres/ifdp/household-excess-savings-and-the-transmission-of-monetary-policy.htm

October 10, 2024 - Statement by Chairman Harper on Citadel Federal Credit Union�s Redlining Settlement - National Credit Union Administration Chairman Todd M. Harper released the following statement today on the U.S. Department of Justice�s settlement with Citadel Federal Credit Union to resolve lending discrimination allegations. www.ncua.gov/newsroom/press-release/2024/statement-chairman-harper-citadel-federal-credit-unions-redlining-settlement  

October 10, 2024 - Speech by Governor Cook on entrepreneurship and innovation At the 2024 Women for Women Summit, Charleston, South Carolina.   www.federalreserve.gov/newsevents/speech/cook20241010a.htm
_____________________________________

October 10, 2024 - OCC Issues Cease and Desist Order, Assesses $450 Million Civil Money Penalty, and Imposes Growth Restriction Upon TD Bank, N.A. for BSA/AML Deficiencies - TD Bank�s persistent prioritization of growth over controls allowed its employees to break the law and facilitate the laundering of hundreds of millions of dollars. www.occ.gov/news-issuances/news-releases/2024/nr-occ-2024-116.html

October 9, 2024 - The KCFSI suggests financial stress decreased slightly in September - The Kansas City Financial Stress Index decreased slightly from -0.42 in August to -0.46 in September, remaining below its historical average. www.kansascityfed.org/data-and-trends/kansas-city-financial-stress-index-1/current-release/

October 9, 2024 - Cost of Childcare Increasingly Weighs on Labor Force Engagement - Problems attaining childcare have weighed on workers� engagement in the labor force for some time. www.kansascityfed.org/research/economic-bulletin/cost-of-childcare-increasingly-weighs-on-labor-force-engagement/

October 9, 2024 - Notice of a Meeting - A closed meeting of the Board of Governors of the Federal Reserve System was held at 11:30 a.m. on October 7, 2024. Matter(s) considered: Review and determination by the Board of Governors of the advance and discount rates to be charged by the Federal Reserve Banks. www.federalreserve.gov/aboutthefed/boardmeetings/20241007closed.htm

October 9, 2024 - Speech by Vice Chair Jefferson on the discount window: 1990-Present At the Charlotte Economics Club, Charlotte, North Carolina. www.federalreserve.gov/newsevents/speech/jefferson20241009a.htm

October 9, 2024 - Minutes of the Federal Open Market Committee, September 17-18, 2024.  www.federalreserve.gov/newsevents/pressreleases/monetary20241009a.htm

October 8, 2024 - The KC Fed LMCI suggests the level of activity and momentum were little changed in September - The level of activity was little changed in September at 0.44, still above its historical average though lower than its pre-pandemic level. www.kansascityfed.org/data-and-trends/lmci/current-release/

October 8, 2024 - Unsafe and Unsound Banking Practices: Brokered Deposits Restrictions; Extension of Comment Period - The FIL announces a 30-day extension of the comment period for the Notice of Proposed Rulemaking Unsafe and Unsound Banking Practices; Brokered Deposit Restrictions, moving the deadline from October 22, 2024, to November 21, 2024. www.fdic.gov/news/financial-institution-letters/2024/unsafe-and-unsound-banking-practices-brokered-deposits

October 8, 2024 - FDIC Extends Comment Period on Request for Information on Deposits - The Federal Deposit Insurance Corporation is extending until December 6, 2024, the comment period on the agency�s Request for Information on deposit data that is not currently reported in the Call Report or other regulatory reports, including for uninsured deposits. www.fdic.gov/news/press-releases/2024/fdic-extends-comment-period-request-information-deposits

October 8, 2024 - FDIC Announces Extension of Comment Period for Proposed Changes to its Brokered Deposit Regulations - The Federal Deposit Insurance Corporation is extending the comment period on its notice of proposed rulemaking to strengthen the important prudential protections of the agency�s safety and soundness rule on brokered deposits (12 CFR 337.6) that implements Section 29 of the Federal Deposit Insurance Act. www.fdic.gov/news/press-releases/2024/fdic-announces-extension-comment-period-proposed-changes-its-brokered

October 8, 2024 - Speech by Governor Kugler on global inflation At the Conference on Monetary Policy 2024: Bridging Science and Practice, European Central Bank, Frankfurt, Germany.   www.federalreserve.gov/newsevents/speech/kugler20241008a.htm

October 7, 2024 - Statistical Release - Consumer Credit - G.19 - In August, consumer credit increased at a seasonally adjusted annual rate of 2.1 percent. www.federalreserve.gov/releases/g19/current/default.htm

October 7, 2024 - OCC Allows National Banks and Federal Savings Associations in Florida Affected by Hurricane Milton to Close - The Office of the Comptroller of the Currency today issued a proclamation allowing national banks, federal savings associations, and federal branches and agencies of foreign banks to close offices in areas of Florida affected by Hurricane Milton. www.occ.gov/news-issuances/news-releases/2024/nr-occ-2024-114.html

October 7, 2024 - OCC Solicits Research on Artificial Intelligence in Banking and Finance - The Office of the Comptroller of the Currency is soliciting academic research papers on the use of artificial intelligence in banking and finance for submission by December 15, 2024. www.occ.gov/news-issuances/news-releases/2024/nr-occ-2024-115.html

October 4, 2024 - FOIA - Chair Powell's calendar, August 2024. www.federalreserve.gov/foia/chairman-powell-calendar.htm

October 4, 2024 - Credit and Liquidity Programs and the Balance Sheet - Recent balance sheet trends, weekly chart update. www.federalreserve.gov/monetarypolicy/bst_recenttrends.htm

October 4, 2024 - Agencies announce dollar thresholds for applicability of truth in lending and consumer leasing rules for consumer credit and lease transactions - The Federal Reserve Board and the Consumer Financial Protection Bureau today announced the dollar thresholds used to determine whether certain consumer credit and lease transactions in 2025 are subject to certain protections under Regulation Z and Regulation M. www.federalreserve.gov/newsevents/pressreleases/bcreg20241004b.htm

October 4, 2024 - Agencies announce dollar thresholds for smaller loan exemption from appraisal requirements for higher-priced mortgage loans - The Consumer Financial Protection Bureau, the Federal Reserve Board, and the Office of the Comptroller of the Currency today announced that the 2025 threshold for higher-priced mortgage loans that are subject to special appraisal requirements will increase from $32,400 to $33,500.
Press Release: www.federalreserve.gov/newsevents/pressreleases/bcreg20241004a.htm
Press Release: www.occ.gov/news-issuances/news-releases/2024/nr-ia-2024-113.html

October 3, 2024 - Commercial Lending: Refinance Risk - Refinance risk is the risk that borrowers will not be able to replace existing debt at a future date under reasonable terms and prevailing market conditions. www.occ.treas.gov/news-issuances/bulletins/2024/bulletin-2024-29.html
________________________

October 3, 2024 - Commercial Lending: Refinance Risk - Refinance risk is the risk that borrowers will not be able to replace existing debt at a future date under reasonable terms and prevailing market conditions. www.occ.gov/news-issuances/bulletins/2024/bulletin-2024-29.html

October 3, 2024 - FDIC Issues List of Banks Examined for CRA Compliance - The list covers evaluation ratings that the FDIC assigned to institutions in July 2024. www.fdic.gov/news/press-releases/2024/fdic-issues-list-banks-examined-cra-compliance-4

October 3, 2024 - Advance Notice of a Meeting - A closed meeting of the Board of Governors of the Federal Reserve System will be held at 11:30 a.m. on October 7, 2024. Matter(s) considered: Review and determination by the Board of Governors of the advance and discount rates to be charged by the Federal Reserve Banks. www.federalreserve.gov/aboutthefed/boardmeetings/20241007closed.htm

October 3, 2024 - Federal Reserve Board issues enforcement actions with Opportunity Bank of Montana and former employee of Bank of Jackson Hole. 
www.federalreserve.gov/newsevents/pressreleases/enforcement20241003a.htm

October 2, 2024 - Consolidated Reports of Condition and Income for Third Quarter 2024 - The attached materials pertain to the Consolidated Reports of Condition and Income for the September 30, 2024, report date and provide guidance on certain reporting issues. www.fdic.gov/news/financial-institution-letters/2024/consolidated-reports-condition-and-income-third-quarter

October 2, 2024 - FDIC Issues 2024 Small Business Lending Survey Report - Conducted in 2022, the SBLS is a nationally representative sample of U.S. banks that offers important insights into their small business lending practices and how banks meet the credit needs of the nation�s small businesses. www.fdic.gov/news/press-releases/2024/fdic-issues-2024-small-business-lending-survey-report

October 2, 2024 - Publication - Semiannual Reports on Banking Applications Activity - June 30, 2024 www.federalreserve.gov/publications/semiannual-report-on-banking-applications-activity.htm

October 2, 2024 - Speech by Governor Bowman on building the community banking framework for the future At the 2024 Community Banking Research Conference, sponsored by the Federal Reserve System, the Conference of State Bank Supervisors, and the Federal Deposit Insurance Corporation, St. Louis, Missouri. www.federalreserve.gov/newsevents/speech/bowman20241002a.htm

October 2, 2024 - Federal and state financial regulatory agencies issue interagency statement on supervisory practices regarding financial institutions affected by Hurricane Helene.
Press Release: www.fdic.gov/news/press-releases/2024/federal-and-state-financial-regulatory-agencies-issue-interagency
Press Release: www.occ.gov/news-issuances/news-releases/2024/nr-ia-2024-112.html
Press Release: www.ncua.gov/newsroom/press-release/2024/federal-and-state-financial-regulatory-agencies-issue-interagency-statement-supervisory-practices 

October 1, 2024 - OCC Releases Bank Supervision Operating Plan for Fiscal Year 2025 - The plan outlines the OCC�s supervision priorities and objectives for the year. www.occ.gov/news-issuances/news-releases/2024/nr-occ-2024-111.html

October 1, 2024 - OCC Releases CRA Evaluations for 21 National Banks and Federal Savings Associations - Of the 21 evaluations made public this month, 16 are rated satisfactory and five are rated outstanding. www.occ.gov/news-issuances/news-releases/2024/nr-occ-2024-110.html

October 1, 2024 - Guidance to Help Financial Institutions and Facilitate Recovery in Areas Affected by Hurricane Helene.  www.fdic.gov/news/financial-institution-letters/2024/guidance-help-financial-institutions-and-facilitate-26 

October 1, 2024 - Speech by Governor Cook on AI, big data, and the path ahead for productivity At �Technology-Enabled Disruption: Implications of AI, Big Data, and Remote Work,� a conference organized by the Federal Reserve Banks of Atlanta, Boston, and Richmond, Atlanta, Georgia. www.federalreserve.gov/newsevents/speech/cook20241001a.htm

October 1, 2024 - Federal Reserve Board announces termination of enforcement action with Citigroup Inc. www.federalreserve.gov/newsevents/pressreleases/enforcement20241001a.htm