Supervision & Regulation


Supervision and Regulation

S&R Perspectives Newsletter

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Supervision, Regulation and Credit publishes S&R Perspectives, an electronic newsletter produced by the department for an external audience. The newsletter includes articles about our work, as well as issues affecting the banks we serve.

S&R Perspectives Survey

Date Title
September 10, 2012
Fall 2012

This edition of S&R Perspectives covers risk management at community banks, supervisory upgrades and enforcement actions, interest rate risk, and more.

June 7, 2012
Summer 2012

This edition of S&R Perspectives covers the effects of the Dodd-Frank Act on community banks, disposition of OREO property, Regulation W, our recent Community Banker Forums in West Virginia and Maryland, our Healthy Bank Project, and more. 

February 23, 2012
Spring 2012

This edition of S&R Perspectives covers the CEO Community Banker Forums held in Richmond and Charlotte in November, stress testing, the Bank Secrecy Act, savings and loan holding companies, student loans, and issues tracking.

Date Title
October 31, 2011
Fall 2011

This edition of S&R Perspectives highlights Allowance for Loan and Lease Losses (ALLL), capital planning, vendor management, and the state of Fifth District banks versus the nation.

April 6, 2011
Winter 2011 Special Insert

Understanding the Causes and Consequences of Residential Mortgage Foreclosure Problems

February 28, 2011
Winter 2011

Read about the changes in Tier 1 capital definitions resulting from Dodd-Frank, the causes and consequences of residential foreclosure problems and more in this edition of S&R Perspectives.

Date Title
November 22, 2010
Fall 2010

Read about changes to discount window practices, the Bureau of Consumer Financial Protection and the debt crisis in Greece.

July 30, 2010
Summer 2010

This edition features an update on troubled debt restructurings, information on the discount window, an excerpt from an outreach event on the financing needs of small businesses and a story about how the federal government prosecuted a case on terrorism funding.

April 30, 2010
Spring 2010

This edition features mobile banking trends, information on Regulation Z, FASB's financial instruments project and a review of the recently released interagency statement on meeting the needs of creditworthy small business borrowers.

Date Title
October 1, 2009
Fall 2009

Read about the latest trends in the financial industry in the fourth issue of S&R Perspectives. This edition also reports on emerging risks in portable device security and recent efforts and tools to fight fraud.

July 1, 2009
Summer 2009

This edition highlights information on a revision from FASB on fair value accounting guidance and limitations on interbank liabilities as well as other emerging issues.

April 16, 2009
June 2009 Special Edition

Read more about the risk-based capital treatment for direct credit substitutes in this article.

April 7, 2009
Spring 2009

Read more about the risk-based capital treatment for direct credit substitutes in this article.

January 26, 2009
Winter 2009

This edition features trends from material loss reviews and an in-depth review of assessing structured investments in the current economic environment.

Date Title
December 15, 2008
Winter 2008

Read about the initiatives undertaken to address the financial crisis in the first issue of S&R Perspectives. The electronic newsletter also reports on risk management, a program for minority and de novo banks and efforts to fight fraud.

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Supervision, Regulation & Credit
(804) 697-8000