Last edited by Baramar
Wednesday, July 29, 2020 | History

4 edition of Bank and thrift regulation found in the catalog.

Bank and thrift regulation

United States. General Accounting Office

Bank and thrift regulation

implementation of FDICIA"S prompt regulatory action provisions : report to Congressional committees

by United States. General Accounting Office

  • 154 Want to read
  • 20 Currently reading

Published by The Office, The Office [distributor in Washington, D.C, Gaithersburg, MD (P.O. Box 6015, Gaithersburg 20884-6015) .
Written in English

    Places:
  • United States.,
  • United States
    • Subjects:
    • Banking law -- United States,
    • Thrift institutions -- Law and legislation -- United States,
    • Banks and banking -- United States -- State supervision,
    • Thrift institutions -- United States -- State supervision

    • Edition Notes

      Other titlesImplementation of FDICIA"s prompt regulatory action provisions
      StatementUnited States General Accounting Office.
      Classifications
      LC ClassificationsKF974 .U54 1996
      The Physical Object
      Pagination72 p. ;
      Number of Pages72
      ID Numbers
      Open LibraryOL744445M
      LC Control Number97137254

      GAO reviewed bank and thrift examinations performed by the Federal Deposit Insurance Corporation (FDIC), Federal Reserve Board (FRB), Office of the Comptroller of the Currency, and Office of Thrift Supervision (OTS), focusing on: (1) how well regulators assessed the quality of bank and thrift loan portfolios; and (2) the effectiveness of the institutions' internal control found.   10 of the Best Books About Banking which decimated the once-thriving thrift industry. Many books have been written about the savings and loan .

      "In I had a bank account. I had forgotten about it. I would like some information regarding how I would go about finding this account information." In another situation, a family member may have passed away, leaving a savings book, a bond certificate, or a stock certificate and the thrift exists, but has no record of the account. Take this. Sec. - Definitions. As used in this part, unless the context requires otherwise: (a) Bank means an insured depository institution, as defined in section 3 of the Federal Deposit Insurance Act (12 U.S.C. ), and includes an insured national bank, state bank, District bank, or savings association, and an insured branch of a foreign bank. (b) Commonly-controlled correspondent means a.

      Regulation O states that no bank may extend credit to any insider of the bank or insider of its affiliates in an amount that, when aggregated with the amount of all other extensions of credit to that person and to all related interests of that person, exceeds the higher of $25, or 5 percent of the bank’s unimpaired capital and unimpaired.   The S & L Debacle: Public Policy Lessons for Bank and Thrift Regulation. S & L finances improve as industry shrinks. S & L bailout nears completion as industry finances improve. Deregulation, reregulation, equity ownership, and S&L risk-taking. Implications of the savings and loan debacle: lessons for the banking industry. The Return of Thrift.


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Bank and thrift regulation by United States. General Accounting Office Download PDF EPUB FB2

Bank and Thrift Regulation: Implementation of FDICA's Prompt Regulatory Action Provisions Thomas J. McCool, Mark Gillen, James R. Black DIANE Publishing, - 72 pages. "This is a very insightful book by an author who has that rare blend of analysis that can come only from both an academic and a regulator.

Regardless of one's views, this book should be read in order to understand fully the evolving problems in the thrift industry."--Henry KaufmanCited by: Read this book on Questia. Read the full-text online edition of The S&L Debacle: Public Policy Lessons for Bank and Thrift Regulation ().

Home Fundamental Reforms for Bank and Thrift Regulation and for Deposit Insurance Notes. Thrift banks differ from larger commercial banks, like Wells Fargo or Bank of America, because they usually offer higher yields on savings accounts and.

banking today and their implications for banking regulation. Chapter 1 addresses the question of why banks are regulated in order to establish the basic purposes, rationale, and goals for bank-ing regulation, and to provide a framework for evaluating bank regulations.

Chapter 2 traces the history and development of U.S. banking regulation. The biggest difference between a thrift and a conventional bank is that thrifts are designed to serve U.S. consumers rather than businesses. By law, thrifts must have 65% of their lending. This book provides an overview of the OCC, outlines directors' responsibilities as well as management’s role, explains basic concepts and standards for safe and sound operation of banks, and delineates laws and regulations that apply to banks.

Regulations The process of drafting or revising a regulation involves consultation and review by several divisions and may involve an interagency working group. The work papers include interim and final drafts, notes of discussions, informal interagency memos, comments from the public, interim comment summaries, and reference material.

The S&L Debacle: Public Policy Lessons for Bank and Thrift Regulation. New York: Oxford University Press. ISBN Cassell, Mark K. How Governments Privatize: The Politics of Divestment in the United States and Germany.

Washington: Georgetown University Press. ISBN Mason, David L. The Office of Thrift Supervision (OTS), the successor to the Federal Home Loan Bank Board, was established by Congress on August 9, as the primary federal regulator of all federal and state-chartered savings institutions across the nation that belong to.

Additional Physical Format: Online version: United States. General Accounting Office. Bank and thrift regulation.

Washington, D.C.: The Office ; Gaithersburg, MD (P. Bank and thrift regulation: improvements needed in examination quality and regulatory structure: statement of Charles A.

Bowsher, Comptroller General of the United States, before the Committee on Banking, Finance and Urban Affairs, House of Representatives - Ebook written by Charles A. Bowsher, United States. General Accounting Office, United States. Indeed, in some respects, thrift charters are more liberal than bank charters.

For example, while the Glass-Steagall Act separates commercial banking from investment banking and the Bank Holding Company Act separates banking from commerce, certain thrift holding companies have relatively unfettered financial and commercial powers.

Banking regulation is marked by a seeming alphabet soup of regulatory bodies. The regulatory system we have now reflects the diversity of U.S.

financial institutions and a number of legislative responses to banking crises that have occurred over time. Today, banks are regulated by multiple authorities, including the Federal Reserve. FDIC Law, Regulations, Related Acts FDIC Law, Regulations, Related Acts is a compilation of banking-related material.

It includes the FDIC Act, FDIC regulations, FDIC Advisory Opinions, FDIC Statements of Policy, and a selection of banking-related materials issued by other agencies. OCC is the primary regulator of banks chartered under the National Bank Act (12 USC Section 1 et seq.).

You will find OCC's regulations, derived from this act, in Title 12 - Banks and Banking. I was working on bank failures due to the financial crisis.

I wanted to see if similar issues came up again. It seems as if it did - lax regulation during good times and the creation of a new agency. This book provided a good historical context to compare the current situation s: 4. The New Central Bank Act. R.A. 18 May An Act liberalizing the entry and scope of operations of foreign banks in the Philippines and for other purposes R.A.

23 Feb An Act providing for the regulation of the organization and operation of Thrift Banks, and for other purposes. R.A. 21 Oct After the ’s savings and loan crisis that resulted in the failure of Thrift banks and following the Dodd-Frank Act that put an end to their less strict regulations, these banks underwent structural changes that reduced the differences between these financial institutions and conventional banks.

Ap Community Bank Regulations. Maryann F. Hunter, Deputy Director, Division of Banking Supervision and Regulation. Before the Subcommittee on Financial Institutions and Consumer Credit, Committee on Financial Services, U.S. House of Representatives, Washington, D.C.

In light of the convergence of bank and thrift trust powers and regulation, we are proposing a new rule that would provide a limited exception from the Advisers Act for thrifts. As described in more detail below, proposed new rule (a)(11)-2 would except thrift institutions from the Advisers Act to the extent they provide investment advice in.Additional Physical Format: Online version: Securities regulation of banks and thrifts, New York, N.Y.

( 7th Ave., New York ): Practising Law Institute.Date Issuance ID Title; 06/02/ OCC Integration of National Bank and Federal Savings Association Licensing Rules: Final Rule Section-by-Section Overview of the OCC Licensing Integration Final Rule (PDF): 10/01/