News & Analysis as of

FDIC Responds To Concerns Over Bank Formations, Need For De Novo Policy Changes

On December 30, the FDIC responded to a recent joint letter from the AABD and ICBA expressing concern with the lack of new bank charters and proposing policy reforms to encourage more de novo applications. As the trade groups...more

DOJ Alleges Community Bank’s Unsecured Loan Pricing Violated ECOA

Last month, the DOJ announced a settlement with a three-branch, $78 million Texas bank to resolve allegations that the bank engaged in a pattern or practice of discrimination on the basis of national origin in the pricing of...more

Federal Agencies Issue Statement On Subjecting TruPS CDOs To Volcker Rule

On December 27, in response to substantial criticism and legal action by banking trade groups, the Federal Reserve Board, the OCC, the FDIC, and the SEC stated that they are reviewing whether it is appropriate and consistent...more

Federal Banking Regulators Provide Community Banks with Regulatory Capital Estimation Tool

The FDIC, FRB and OCC (the “Agencies”) each made available a regulatory capital estimation tool (the “Estimation Tool”) that is designed to help community banks evaluate the potential impact on their capital ratios of the...more

Orrick's Financial Industry Week in Review - November 25,2013

FDIC Guidance on Deposit Advance Products - On November 21, the FDIC issued final supervisory guidance to FDIC-supervised financial institutions with respect to the risks imposed by certain deposit advance products. ...more

Corporate and Financial Weekly Digest - Volume VIII, Issue 45

In this issue: - SEC Chair Mary Jo White Outlines Potential Changes to “Accredited Investor” Definition - CFTC Issues Final Rules for Systemically Important Derivatives Clearing Organizations - CFTC...more

Republican House Members Object To DOJ Online Lender Probe

Last week, a group of 31 Republican House Members reportedly submitted a letter to the DOJ and FDIC accusing the agencies of “intimidating some community banks and third party payment processors with threats of heightened...more

FDIC Provides Technical Assistance On Interest Rate Risk For Community Banks

On August 6, the FDIC released a technical assistance video intended to provide community bank management teams with information about regulatory issues and proposed regulatory changes related to interest rate risk....more

Banking And Financial Services E-Note - January 24, 2013

In This Issue: - Fed Governor Seeks to Regulate Banks Beyond Dodd-Frank - Small Banks Worry of "Walmartization" from Dodd-Frank Act - FDIC Passes Appraisal Standards for Higher-Risk Mortgages - Community Banks...more

FDIC Releases Community Bank Study

On December 18, the FDIC released the results of a study of U.S. community banking and other community bank measures resulting from its year-long Community Banking Initiative. The study explores the definition of a community...more

Banking & Financial Services E-Note - December 2012

In This Issue: - Accounting Rule Would Force Banks to Take Loan Write-Downs - End of TAG Program Has Community Banks Concerned - New Mortgage Rules Protect Banks from Homeowner Lawsuits - Obama Signs Bills...more

FDIC Finalizes Online Regulatory Calendar For Community Banks

On December 10, the FDIC issued Financial Institution Letter FIL-51-2012 to launch the final version of an online calendar to help community banks monitor changes in federal banking rules. The final calendar incorporates...more

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