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.
Welcome to the summer 2012 edition of S&R Perspectives.
This article looks at how community banks are affected by certain provisions of the Dodd-Frank Act, including Debit Interchange, Stress Testing, FDIC Insurance, Capital Requirements, Charter Conversions and Savings and Loan Holding Companies.
The 2007-2009 recession led to a sharp increase in the level of other real estate owned (OREO) across banks nationwide. This led to an increase in banks' disposition of OREO. While the increase in dispositions has not yet materialized in our District at levels seen nationally, banks across the nation are exploring methods of disposing of OREO properties.
In the midst of the recent recession, some institutions did more than endure – they maintained strong financial conditions and above average regulatory ratings. How do they differ from weak or failed banks?
This article touches upon some common oversights and violations cited in recent reports related to financial institutions' transactions with affiliates.
The Federal Reserve Bank of Richmond recently hosted Community Banker Forums in Charleston and Baltimore. Read this article for more information about the forums, including the agenda and presentations.
This section highlights new technological developments utilized for examinations of community banks within the Fifth District.
Supervision, Regulation & Credit