1. DOES P.C.A. REALLY MEAN, "PROBABLY CAN'T ACHIEVE"?
(MyBlog/MyBlog)

...like to say, "Probably Can't Achieve," was put into the law in the Federal Deposit Insurance Corporation Improvement Act of 1991. A Prompt Corrective Action designates certain capital catego...

2. Brother, would you take a lease? (July 2010)
(Content Central/Commercial Real Estate)

...d. “This may have prevented a waterfall of assets onto the market.” An even more drastic deterioration in prices may have been prevented, he says, or, at least, spread over more time. ...

3. What’s PayPal up to? (July 2010)
(Content Central/Payment System)

...e universe of eBay transactions, it’s all systems go for growth. (As to those rumors that parent corporation, eBay, might spin off PayPal, the official word of the moment is “absolutely no...

4. CRA COMING TO FANNIE AND FREDDIE, AND WHY BANKS SHOULD CARE
(MyBlog/MyBlog)

...s to financial institutions since 2002. Previously, Nancy held compliance positions with Bank One Corporation and with United Banks of Colorado. In addition to serving as a Contributi...

5. High Court patent case no solution
(Briefing/Briefing)

...of the potential for abuse that business method patents can engender. Filed in 2006, the Data Treasury Corporation brought suit against nearly 60 banks, bank holding companies, and technology vendors,...

6. Former money launderer shares due diligence tips
(Briefing/Briefing)

...e have,” Rijock told bankers. “If they worked for good, they’d be presidents of mega corporations.” He shared stories and tips for banks to use to improve their enhanced d...

7. Remote Capture Providers
(Content Central/Directory)

...s Park Drive Dayton, OH 45459 (937) 291-2195, pna.support@panini.com www.panini.com RDM Corporation 4-608 Weber Street North Waterloo, Ontario, N2V 1K4 Canada (800) 567-6227 www...

8. Banking’s Top Performers, 2010
(Hidden Page/Hidden Page)

...ies of parents with total assets of more than $3 billion). Note on the Treatment of Subchapter S Corporations Due to the different tax treatment of Subchapter S corporations (S-corps), these i...

9. “Drove from Paris to the Amsterdam Hilton”: Europe Looks at AML
(MyBlog/MyBlog)

...several states have ineffective information gathering systems for issuing licenses and articles of incorporation. Speakers offered that regulators and policymakers sometimes don't understand the di...

10. Rich Media Guidelines
(Advertising/Advertising)

Rich Media Creative Guidelines   Attention IAB Members: Apply for the IAB Rich Media Creative Compliance Seal 2008 Update With the advent of new and improved advertis

11. IS AVOIDING RESPONSIBILITY THE NEW FULL-TIME JOB?
(MyBlog/Credit Talk)

...observing that the cumulative consequences of day-to-day activities of the executive management of the corporation, perhaps numbering 50 or so players, could hardly be laid at the feet of a single per...

12. “HELPLESS” OR “LONG MAY YOU RUN”?
(MyBlog/MyBlog)

...within an institution, was essential.   Yet another expert, in a position to know, urging collaboration between fraud and AML.   Certainly I agree and to the AML professional, a...

13. THE ULTIMATE CAPITALIST RATIO, AND WHY IT MATTERS TO YOUR BANK'S FUTURE
(MyBlog/Credit Talk)

...rdered a cessation of dividends to increase the capital base.   The bank is a Subchapter S corporation. To provide the funding source for those taxes-due from the stockholders, not the com...

14. THIRTY DAYS TO A BETTER LIFE—NOT!
(MyBlog/MyBlog)

...atio of 8.0% or greater, the regulators are required by statute to order the bank to create a Capital Restoration Plan. This is generally done by sending the bank a "Directive."  We h...

15. Five secrets for building REO value
(Briefing/Briefing)

...ancing the development’s value. The sooner you start, the greater your opportunities to reduce deterioration, limit liability and generate goodwill you will need later. Fact: Half-finished...

16. What’s John Kanas up to? (May 2010)
(Content Central/Profiles)

...gressive going after them.” Kanas has never been shy in this regard. He built North Fork Bancorporation into a major New York-area player and the sixteenth-largest bank in the country from ...

17. 5 RULES FOR MAINTAINING PROPER CREDIT CULTURE
(MyBlog/Credit Talk)

... in rebuilding the credit quality of his or her bank. That's important and indeed necessary for a true restoration of a safe and sound banking environment. But are we actively involved in understandin...

18. Overtime pay for home lenders in stunning upset to past U.S. law
(Briefing/Briefing)

...d to his clients’ “general business operations” as his clients were individuals, not corporations or other business entities. This decision may indicate the outer limit of the ...

19. Ongoing struggle with board size (April 2010)
(Content Central/Board Relations)

...ng company was formed. In the process, the MHC formed its own board of trustees. The bank, now a stock corporation, turned its board of trustees into directors (they serve as MHC trustees as well). ...

20. Book Review: Complete Guide to Spotting Accounting Fraud & Cover-Ups
(Briefing/Briefing)

...nto four major parts: • A general discussion of occupational fraud • A more-specific exploration of the various types of fraud • Fraud detection techniques • Prevention...

21. A changed publication for changed times
(Briefing/Briefing)

The new ABA Banking Journal   In about a week, the new ABA Banking Journal will be in the mail. While the name is the same, the magazine has been completely redesigned and re

22. GOOD NEWS IN UPDATED CRA Q & A
(MyBlog/MyBlog)

...s to financial institutions since 2002. Previously, Nancy held compliance positions with Bank One Corporation and with United Banks of Colorado. In addition to serving as a Contributin...

23. WHAT PROMPT CORRECTIVE ACTION REALLY MEANS
(MyBlog/MyBlog)

... basically without due process, to tell the bank to go out and raise capital or come up with a Capital Restoration Plan. Part of that Capital Restoration Plan requires a statement from the bank's hold...

24. SIX TIPS AS YOU ENTER WORKOUT MODE
(MyBlog/Credit Talk)

...e essence and the bank and the lending staff should act decisively and quickly at the early signs of deterioration.   Getting your workout act together One consistent concern of ba...

25. CRE dust hasn’t settled yet (March 2010)
(Content Central/Commercial Real Estate)

...ark Vitner, Senior Economist, Anika Khan, Economist and Yasmine Kamaruddin, Economic Analyst, Wachovia Corporation    Click here to read the article ...

26. SHOULD LENDERS HAVE UNLIMITED TURNDOWN AUTHORITY?
(MyBlog/Credit Talk)

...e might transform a "no" as requested to a "yes" as negotiated.   Is collaboration ultimately a plus? In this environment, two votes to decline any credit certainly ...

27. REBUILDING COMMUNITY BANK EFFICIENCY RATIOS
(Pass the aspirin/Pass the aspirin)

...was a chart demonstrating a serious degradation in community bank efficiency ratios.   The deterioration began in 2006 and has steadily grown worse.   At yearend, the average ratio...

28. Haunted by the Ghost of Loan Participations Past and Present? (March 12, 2010)
(Briefing/Briefing)

...n investments need to re-examine bank credit policies, practices, and procedures and build effective collaboration and communications, as a group with other participants, to facilitate proactive decis...

29. Basic is back (March 2010)
(Content Central/Mortgage Lending)

...ither in foreclosure or in-substance foreclosure out of 1,600 loans, and that actually reflects some deterioration,” Neat said. “Earlier in the year, we had only one. I don’t conside...

30. Rate risk making you Ill? (February 2010)
(Content Central/Risk Management)

...rs on January 7th which reinforced the points made by the FDIC, focused particularly on market-value deterioration due to rising rates, and encouraged banks to increase their capital position as a buf...