ABA Community Banking

JUNE 15, 2021

The FDIC proposed changes to its guidelines for real estate lending policies in order to align standards with the community bank leverage ratio, which does not require electing institutions to calculate tier 2 capital or total capital.

FDIC 51

FDIC Lending Guidelines Community Bank 51

CFPB Monitor

AUGUST 13, 2018

McWilliams stated that the FDIC’s top priorities included: (1) reducing regulatory burden on community banks; (2) increasing the speed with which the FDIC reviews charter and deposit insurance applications; and (3) assisting banks to introduce new financial products that serve underserved communities.

FDIC 68

FDIC Community Lending Guidelines 68

Abrigo

APRIL 21, 2020

PPP loans carry a 0% risk weighting, meaning they don’t count against the institution from a risk-based capital standpoint. With the surge in loans and no pressure on capital ratios, both Domine and Bates expressed approval for the program. Non-bank SBA-approved lenders, however, may not participate in the PPPLF at this time.

Lending 195

Lending Capital Minnesota FDIC 195

Jeff For Banks

JULY 16, 2011

But this difference in the treatment of loan loss reserves left banks under-reserved and therefore elevated the need for capital to ascend to greater prominence in absorbing losses from loans. The context was bank failure risk is mitigated by FDIC insurance. True for depositors, not shareholders.

Capital 67

Capital FDIC Guidelines Regulation 67

Abrigo

SEPTEMBER 5, 2023

As the FDIC said recently: Exceptions to policy should be few in number and properly justified, approved, and tracked. If actual practices vary materially from the written guidelines and procedures, the source of this discrepancy should be identified, and either actual practices or the written policy should be changed.

Policies 195

Policies Lending Risk Management Examples 195

Jeff For Banks

MAY 20, 2017

Both institutions were over the CRE concentration guidelines, so putting them together would exasperate this risk, so the regulatory thinking must have been. To remind readers, in 2006 the OCC, Federal Reserve, and FDIC issued joint interagency Guidance on Concentrations in Commercial Real Estate Lending.

Lending 60

Lending Regulation Community Community Bank 60

NCR

NOVEMBER 24, 2016

There’s no mystery as to why: banks must navigate a veritable sea of regulations, including strict guidelines on how to communicate with customers and prospects. Banks can smartly capitalize on this, and help customers along the way. According to the FDIC , almost 50% of US Latino households are “unbanked or “under-banked.”

Online 40

Online Marketing Branding social media 40