Federal Deposit Insurance Corporation › Consumer Financial Protection Bureau

The Federal Deposit Insurance Corporation is a United States federal agency created in 1933 in response to widespread bank failures in the 1920s and early 1930s. The FDIC's mission is to maintain stability and consumer confidence in the United States banking system by insuring deposits, monitoring the health of financial institutions and managing receiverships.

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News & Analysis as of May 24, 2013

The New Normal: Taking Responsibility for Your Vendors

Dealing with Civil Investigative Demands from the CFPB—Rules, Responses & Pitfalls

by Joseph T. Lynyak III, Rebecca Tierney | Pillsbury Winthrop Shaw Pittman LLP on 5/9/2013

The Consumer Financial Protection Bureau’s civil investigative demand (“CID”) authority has recently presented significant compliance difficulties for companies that have received requests for information relating to an...more

Federal Regulators Target Payday Loans, Deposit Advance Products

by BuckleySandler LLP on 5/6/2013

On April 24, the CFPB published a white paper on payday loan and deposit advance products that claims to show those products lead to a “cycle of high-cost borrowing.” On April 25, the FDIC and the OCC proposed guidance...more

Infobytes - A Weekly In-depth review of news & developments in the financial services industry - May 3, 2013

by BuckleySandler LLP on 5/6/2013

In This Issue: - FEDERAL ISSUES - STATE ISSUES - COURTS - FIRM NEWS - FIRM PUBLICATIONS - MORTGAGES - BANKING - CONSUMER FINANCE - CREDIT CARDS - E-COMMERCE - PRIVACY/DATA SECURITY -...more

Financial Services Bulletin: Action At The CFPB, OCC, FDIC, And Fed

by Perkins Coie on 5/2/2013

On Thursday, April 25, 2013, the Office of the Comptroller of the Currency (the "OCC") and the Federal Deposit Insurance Corporation (the "FDIC") proposed guidance and the Board of Governors of the Federal Reserve System (the...more

Financial Services Legislative and Regulatory Update -- April 29‚ 2013

by Abby Matousek, Jason M. Rosenstock | Mintz Levin - Public Finance on 5/1/2013

In This Issue: Leading the Past Week; Legislative Branch; and Executive Branch. Excerpt from Leading the Past Week - The past week could be best described by one word. Chaos. In the House, a scheduled...more

OCC and FDIC proposed guidance could effectively ban deposit advance loans

by Jeremy T. Rosenblum | Ballard Spahr LLP on 4/30/2013

Last Thursday, the Office of the Comptroller of the Currency and Federal Deposit Insurance Corporation proposed guidance on deposit advance loans. The Federal Reserve Board declined to join the OCC and FDIC and instead...more

Orrick's Financial Industry Week in Review - April 29, 2013

by Orrick, Herrington & Sutcliffe LLP on 4/29/2013

In This Issue: Financial Industry Developments: CFPB Proposed Clarifications on Qualified Mortgage Rules; SEC Credit Ratings Roundtable; FDIC Proposed Guidance on Deposit Advance Products; Rating Agency Developments; RMBS...more

Banking & Financial Services E-Note - April 25, 2013

by John Chiles, Benjamin Coulter, Bryan Glover, John Michael Kearns, Mignon Lunsford, Zachary Miller, Jordan Teague | Burr & Forman on 4/26/2013

In This Issue: - Regulators Could Step in with Tougher Rules as Bank Profits Rise - Bill Would Force Study of Basel III Impact on Bank Capital Costs - Regulator Wants Enforcement Powers Against Bank...more

CFPB, FDIC And OCC Move Against Pay Day Lenders

by Ethan Mark | Leonard, Street and Deinard - Dodd-Frank and... on 4/26/2013

The CFPB has issued a report on payday and deposit advance loans finding that for many consumers these products lead to a cycle of indebtedness. The loans generally have three features: they are small-dollar amounts;...more

The shoes are dropping: CFPB study of payday and deposit advance loans precedes reported OCC/FDIC action against deposit advance...

by Jeremy T. Rosenblum | Ballard Spahr LLP on 4/25/2013

Earlier today, the CFPB released a white paper reporting on its study of 15,000,000 storefront payday loans and 100,000 accounts eligible for deposit advances (of which approximately 15% involved a deposit advance during the...more

Financial Services Legislative and Regulatory Update -- April 22, 2013

by Abby Matousek, Jason M. Rosenstock | Mintz Levin - Public Finance on 4/22/2013

In This Issue: Leading the Past Week; Legislative Branch; Executive Branch; and Upcoming Hearings. Excerpt from Leading the Past Week - It was another incredibly busy week, but obviously our thoughts and...more

The New Normal: Taking Responsibility for Your Vendors [Video]

by Pepper Hamilton LLP on 4/19/2013

As financial institutions continue to strive for reduced costs and greater efficiencies, they are increasingly turning to third-party vendors to handle a wide variety of tasks, from marketing and sales to payment processing....more

Financial Services Bulletin: Action At The CFTC, SEC, CFPB, Fed, And FDIC

by Perkins Coie on 4/19/2013

On Wednesday, April 10, 2013, the Commodity Futures Trading Commission (the "CFTC") and the Securities and Exchange Commission (the "SEC") jointly issued final rules and guidelines that will require certain regulated entities...more

FDIC Announces Teleconference Series On CFPB Mortgage Rules

by BuckleySandler LLP on 4/17/2013

On April 9, the FDIC announced a series of nationwide banker teleconferences focused on the CFPB’s final mortgage rules. The first teleconference call is scheduled for May 2, 2013 and will focus on the...more

Orrick's Financial Industry Week in Review - April 15, 2013

by Orrick, Herrington & Sutcliffe LLP on 4/15/2013

Fed Proposal on Annual Assessments - On April 15, the Fed requested comment on a proposed rule to establish an annual assessment for bank holding companies and savings and loan companies with $50 billion or greater in total...more

FDIC to host banker teleconferences on CFPB mortgage rules

by Barbara S. Mishkin | Ballard Spahr LLP on 4/11/2013

The FDIC has scheduled the following three free teleconferences on the CFPB’s new mortgage-related rules for officers and employees of FDIC-supervised institutions... ...more

2012 Bank Enforcement Actions Still High, But Significantly Lower Than 2010-11

by Robert H. Ledig, Robert Rhatigan, Aline Smith, Thomas P. Vartanian | Dechert LLP on 4/4/2013

Originally published in BNA’s Banking Report, 100 BBR 617 on 04/02/2013. Overall Trends & Outlook - In 2012, the federal banking agencies, including the Federal Deposit Insurance Corporation (‘‘FDIC’’), Office...more

Levick Weekly - March 29, 2013: 6 Ways To Survive The U.S. Congress

by Peter LaMotte, Richard S. Levick, John Lovallo, Kathleen Wailes | LEVICK on 4/1/2013

In This Issue: - Financial Regulators Compete; JPMorgan Loses - Six Ways to Survive the U.S. Congress - How to Protect Your Brand from a Twitter Hacking - Blogs Worth Following - LEVICK In the News -...more

Financial Regulators Compete, JPMorgan Loses

by John Lovallo, Kathleen Wailes | LEVICK on 3/29/2013

The Federal Bureau of Investigation (FBI); the Federal Deposit Insurance Corporation (FDIC); the Commodity Futures Trading Commission (CFTC); the Securities and Exchange Commission (SEC); and the Office of the Comptroller of...more

Financial Services Legislative And Regulatory Update -- March 18‚ 2013

by Abby Matousek, Jason M. Rosenstock | Mintz Levin - Public Finance on 3/18/2013

In This Issue: Leading the Past Week; Legislative Branch; Executive Branch; and Upcoming Hearings. Leading the Past Week - It was another busy week on the Hill and in the Administration, but it may have...more

Financial Services Report - Spring 2013

Editor’s Note - This is a dignified law firm newsletter, not like the “Brand X” versions. You won’t find pandering, attention-grabbing stories about Justin Bieber, Kim Kardashian, Ashton Kutcher, Prince William, or...more

Orrick's Financial Industry Week In Review - February 19, 2013

by Orrick, Herrington & Sutcliffe LLP on 2/19/2013

In This Issue: - Financial Industry Developments •CFPB Implementation Plan for Mortgage Rules •FDIC Proposed Rule on Insured Deposits at Foreign Branches of U.S. Banks •CFPB Bulletin on Servicers'...more

Financial Services Legislative And Regulatory Update -- February 18‚ 2013

by Abby Matousek, Jason M. Rosenstock | Mintz Levin - Public Finance on 2/19/2013

In This Issue: Leading the Past Week; Legislative Branch; Executive Branch; and Upcoming Hearings. Excerpt from Leading the Past Week - President Obama touched on both new and old initiatives in his State of...more

Infobytes - A Weekly In-depth review of news & developments in the financial services industry - February 15, 2013

by BuckleySandler LLP on 2/15/2013

In This Issue: - FEDERAL ISSUES - STATE ISSUES - COURTS - FIRM NEWS - FIRM PUBLICATIONS - MORTGAGES - BANKING - CONSUMER FINANCE - PRIVACY/DATA SECURITY - Excerpt from Privacy/Data...more

Agencies Issue Final Rule on Appraisals for Higher-Priced Mortgage Loans

by Jeffrey M. Werthan | Katten Muchin Rosenman LLP on 2/1/2013

On January 18, six federal financial regulatory agencies (the Board of Governors of the Federal Reserve System, the Consumer Financial Protection Bureau, the Federal Deposit Insurance Corporation, the Federal Housing Finance...more

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Federal Deposit Insurance Corporation › Consumer Financial Protection Bureau

Dealing with Civil Investigative Demands from the CFPB—Rules, Responses & Pitfalls

Federal Regulators Target Payday Loans, Deposit Advance Products

Infobytes - A Weekly In-depth review of news & developments in the financial services industry - May 3, 2013

Financial Services Bulletin: Action At The CFPB, OCC, FDIC, And Fed

Financial Services Legislative and Regulatory Update -- April 29‚ 2013

OCC and FDIC proposed guidance could effectively ban deposit advance loans

Orrick's Financial Industry Week in Review - April 29, 2013

Banking & Financial Services E-Note - April 25, 2013

CFPB, FDIC And OCC Move Against Pay Day Lenders

The shoes are dropping: CFPB study of payday and deposit advance loans precedes reported OCC/FDIC action against deposit advance...

Financial Services Legislative and Regulatory Update -- April 22, 2013

The New Normal: Taking Responsibility for Your Vendors [Video]

Financial Services Bulletin: Action At The CFTC, SEC, CFPB, Fed, And FDIC

FDIC Announces Teleconference Series On CFPB Mortgage Rules

Orrick's Financial Industry Week in Review - April 15, 2013

FDIC to host banker teleconferences on CFPB mortgage rules

2012 Bank Enforcement Actions Still High, But Significantly Lower Than 2010-11

Levick Weekly - March 29, 2013: 6 Ways To Survive The U.S. Congress

Financial Regulators Compete, JPMorgan Loses

Financial Services Legislative And Regulatory Update -- March 18‚ 2013

Financial Services Report - Spring 2013

Orrick's Financial Industry Week In Review - February 19, 2013

Financial Services Legislative And Regulatory Update -- February 18‚ 2013

Infobytes - A Weekly In-depth review of news & developments in the financial services industry - February 15, 2013

Agencies Issue Final Rule on Appraisals for Higher-Priced Mortgage Loans

The New Normal: Taking Responsibility for Your Vendors [Video]

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