FDIC Lending Regulation Taxes 
Perficient
NOVEMBER 30, 2021
Recognizing that regulated and non-regulated financial institutions seek to engage in cryptocurrency and crypto asset activities, the three largest federal bank regulators, the Federal Reserve, the Federal Deposit Insurance Corporation, and the Office of the Comptroller of the Currency, recently issued a joint statement on crypto assets.
Independent Banker
JANUARY 26, 2016
The FDIC has released a proposal to indemnify the banks with assets less than $10 billion from the costs of raising the Deposit Insurance Fund reserve ratio from 1.15 The FDIC could vote on the proposal as early as next month. Has your community bank faced increased Farm Credit System non-farm lending in its marketplace?
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Jeff For Banks
MAY 20, 2017
And regulators are getting anxious. Today, I read an American Banker article on how a multi-billion dollar bank is going to ramp up its business lending. Reading between the lines, this bank is likely over the CRE guidance levels, and were probably getting grief from their regulators about it. Anxiety, anxiety, anxiety.
Abrigo
SEPTEMBER 5, 2023
unsecured lending is bad rather than unsecured lending should only be extended to high pass risk rated credit). As the FDIC said recently: Exceptions to policy should be few in number and properly justified, approved, and tracked. and property tax payments. Get details in "A guide to implementing credit policy."
Jeff For Banks
JUNE 2, 2023
The old borrow short, lend long strategy. I want to read to you the FDIC’s conclusion from their An Examination of the Banking Crisis of the 1980’s and Early 1990’s. Third, the regulators need adequate financial resources. My lesson learned to the regulators, read your past lessons learned.
Jeff For Banks
APRIL 25, 2015
Sure, if you cite studies that say these banks' loan books are predominantly small, as the FDIC measures them. If a de novo starts with $15 million of capital, its largest possible lending relationship is $2.2 OnDeck Capital, not a bank, will lend to businesses with one year of operating history and only $100,000 of annual revenues.
American Banker
DECEMBER 17, 2019
The proposed changes laid out by banking regulators would clear up confusion about what qualifies for CRA credit within so-called Opportunity Zones. But not all community development advocates are convinced that the changes are for the better.
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