FDIC National Regulation Taxes 
Jeff For Banks
MAY 20, 2017
And regulators are getting anxious. Reading between the lines, this bank is likely over the CRE guidance levels, and were probably getting grief from their regulators about it. To remind readers, in 2006 the OCC, Federal Reserve, and FDIC issued joint interagency Guidance on Concentrations in Commercial Real Estate Lending.
Jeff For Banks
DECEMBER 23, 2016
According to a 2015 FDIC National Survey of Unbanked and Underbanked Households , seven percent of US households were unbanked, meaning they had no account at an insured financial institution, and 19% were underbanked, meaning they used non-traditional financial providers like pre-paid cards and/or payday lenders. But the tax thing.
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Jeff For Banks
FEBRUARY 3, 2018
In 2013, there were 6,812 FDIC-insured financial institutions. Because the nation's balance sheet and income statement is not improving. And I have never heard a regulator say the phrase "over capitalized". Provision, and income taxes. Where are we and where have we been? Trends are telling. Ski slope down.
Independent Banker
SEPTEMBER 22, 2015
Both of these laws pointedly changed the National Flood Insurance Program requirements over which of the banking agencies have jurisdiction. Biggert-Waters) the bank was not required under federal or state law to escrow taxes or insurance. taxes and insurance. taxes and insurance. Escrow obligations. Borrower choice.
Independent Banker
AUGUST 26, 2015
The bank’s mortgage company has developed a national retail lending presence over the last 18 months using phones and email, rather than branch offices. “We Electronic signatures are accepted by banking regulators and meet state standards under the Uniform Electronic Transactions Act.
South State Correspondent
MARCH 15, 2023
Percentage of Uninsured Deposits: At the time of failure, SVB had approximately 88% of their deposits above the FDIC-insured $250k limit and ran at 95% at the end of last year. Some form of this ratio will likely be applied to the national and regional banks, which means larger community banks will also be judged by this ratio.
Independent Banker
MARCH 15, 2015
Regulation Review Committee, vice chairman. FDIC Advisory Committee on Community Banking, member. National Management Association/Grand Lake chapter, treasurer and president. Both the regulators and Congress respect us for what we stand for,” he observes. “So Housing Policy Task Force, member. Membership-Marketing.
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