FDIC – Page 58 – Regulatory Report

What's up

[ May 12, 2025 ] Acting CFPB head Vought rescinds 67 guidance documents issued since 2011 CFPB
[ May 12, 2025 ] Higher inflation, slow growth, economic uncertainty likely ahead for next year as tariff policies play out, Fed governor expects The Fed
[ May 12, 2025 ] Loan demand drops off in Q1 for C&I, CRE, RRE, Fed lending officer survey finds; credit card standards tighten The Fed
[ May 12, 2025 ] Agencies jointly issue loan-to-deposit ratios for ’25 used for compliance with interstate banking laws FDIC
[ May 8, 2025 ] OCC restores previous merger act rules; comments due in 30 days OCC

Banking agencies continue ‘no-action’ relief for Reg O application to bank investment funds

December 20, 2021 0

Temporary “no-action” relief under Regulation O for companies that manage funds investing in banking organizations was extended further in a revised statement Friday by the three federal banking regulators. The Federal Reserve, Federal Deposit Insurance […]

Report finds pandemic ‘significantly challenged’ bank real estate lending, particularly CRE

December 17, 2021 0

Several real estate property sectors were “significantly challenged” during the coronavirus crisis since 2020, but some of the changes in the commercial real estate (CRE) area may be long-lasting, according to a report issued Friday […]

Bank asset-size thresholds under CRA regs rising for 2022

December 16, 2021 0

The asset-size thresholds used to define a “small bank” and “intermediate small bank” under federal anti-redlining Community Reinvestment Act (CRA) regulations will rise for 2022 based on changes in the consumer price index. With the […]

FDIC renews state regulatory advisory panel charter

December 15, 2021 0

The charter for the Federal Deposit Insurance Corp.’s (FDIC) Advisory Committee of State Regulators (ACSR), first established in 2019, has been renewed for another two years, according to the agency. The FDIC had a notice […]

FDIC Board gives nod to operating budget of $2.26 billion, slightly lower from previous year

December 14, 2021 0

A $2.26 billion operating budget for 2022 – slightly lower overall (0.7%) from the previous year – was approved by the Federal Deposit insurance Corp. (FDIC) Board Tuesday. However, the operating budget includes significant components […]

McWilliams blocks board consideration of Bank Merger Act info request

December 14, 2021 0

The board chairman of the federal bank deposit insurer on Tuesday ruled “out of order” another board member’s effort to bring issuance of a request for information (RFI) on bank merger policy before the board […]

Acting comptroller weighs in on FDIC Board flap over Bank Merger Act, supporting review

December 14, 2021 0

Support for reviewing Bank Merger Act (BMA) guidelines was cited by a third member of the board of the bank deposit insurance fund, according to his statement issued Tuesday. Michael J. Hsu, acting comptroller of […]

Yes, no, or maybe: Joint statement says FDIC Board issuing RFI on merger policy; another says not so

December 9, 2021 0

The board of the Federal Deposit Insurance Corp. (FDIC) may or may not have approved issuance of a request for information (RFI) on bank merger rules, regulations, guidance and policy statements, according to what appear […]

Overlooked in exams, banned fees ended up costing consumers more than $7 million, report finds

December 9, 2021 0

After another federal agency found that an examination of a bank by the federal insurer of bank deposits completely missed that the bank charged impermissible fees to loan applicants, an inspector general’s report was issued […]

FDIC Board schedules meeting to discuss fund restoration plan, new year budget

December 8, 2021 0

The 2022 operating budget and an update on the restoration plan for the deposit insurance fund (DIF) are on the discussion agenda for the board of the federal bank deposit insurance agency when it meets […]

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Acting CFPB head Vought rescinds 67 guidance documents issued since 2011

May 12, 2025 0

Sixty-seven guidance documents issued by the Consumer Financial Protection Bureau (CFPB) since its inception in 2011 are now rescinded, according to a notice in Monday’s Federal Register. The notice, signed by acting CFPB Director Russell Vought (head of the Office [...]
Higher inflation, slow growth, economic uncertainty likely ahead for next year as tariff policies play out, Fed governor expects

May 12, 2025 0

Higher inflation, slower growth and economic uncertainty are the catchphrases for the economy going into the next year, largely because of increased tariffs and policy changes for them, a Federal Reserve governor said Monday. Speaking to the International Economic Symposium [...]
Loan demand drops off in Q1 for C&I, CRE, RRE, Fed lending officer survey finds; credit card standards tighten

May 12, 2025 0

Demand for commercial and industrial (C&I) loans weakened in the first quarter, which was a similar story for many household loans, according to a report issued by the Federal Reserve Monday. In its April 2025 Senior Loan Officer Opinion Survey [...]
Agencies jointly issue loan-to-deposit ratios for ’25 used for compliance with interstate banking laws

May 12, 2025 0

Host state loan-to-deposit ratios were issued Monday by the three federal banking regulators, which informs banks about how the proportions are used to determine compliance with federal interstate banking laws. The ratios are issued in connection with a 1994 statute [...]
OCC restores previous merger act rules; comments due in 30 days

May 8, 2025 0

The national bank regulator is restoring its pre-2024 business combinations rule under the Bank Merger Act (BMA), undoing the rule adopted last September and also rescinding its related policy statement. The changes by the Office of the Comptroller of the [...]