Docstoc feed for: Legal->Government->Federal Deposit Insurance Corporation

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trananhnguyet19451 — Tue, 21 Jul 2009 06:38:24 GMT

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1.1 http://www.docstoc.com/docs/document-preview.aspx?doc_id=8713016 1.2 http://www.docstoc.com/docs/document-preview.aspx?doc_id=8712909 2 http://www.docstoc.com/docs/document-preview.aspx?doc_id=87126723.1 http://www.docstoc.com/docs/document-preview.aspx?doc_id=8712583 3.2 http://www.docstoc.com/docs/document-preview.aspx?doc_id=8712458 4 ht

FDIC Supervisory Insights Summer 2009

lmhstrumpet — Tue, 16 Jun 2009 21:32:37 GMT

shared by: lmhstrumpet on: Tuesday, June 16, 2009

Supervisory Insights is published by theDivision of Supervision and ConsumerProtection of the Federal DepositInsuranceCorporationto promotesound principlesand best practicesfor bank supervision.

Settlement Procedures on FDIC-Guaranteed Commercial Paper

lmhstrumpet — Mon, 18 May 2009 15:10:58 GMT

shared by: lmhstrumpet on: Monday, May 18, 2009

Settlement Procedures on FDIC-Guaranteed Commercial Paper

FDIC Advertisement of Membership

lmhstrumpet — Mon, 18 May 2009 15:08:02 GMT

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FDIC Advertisement of Membership

Mortgage Loan Prequalifications: Applications or Not

lmhstrumpet — Mon, 18 May 2009 15:02:55 GMT

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Mortgage Loan Prequalifications: Applications or Not

Public Comment CRA2 AC50, Rural Community Assistance Corp, West Sacramento, CA

FDIC — Tue, 24 Jun 2008 14:26:12 GMT

shared by: FDIC on: Tuesday, June 24, 2008

Rural Community Assistance Corporation October 20.2004Robel? E. Feldman, Executive Secretary Attention: CommentsLegal ISS Federal Deposit Insurance Corporation 550 17th Street, NW Washington, DC 20429-9990RE: Federal Deposit Insurance Corporation proposed rulemaking, RIN 3064-AC50Dear Mr. Feldman: I am writing on behalf of the Rural Commun

CRA Comments Nebraska Appleseed October 2004

FDIC — Tue, 24 Jun 2008 14:26:12 GMT

shared by: FDIC on: Tuesday, June 24, 2008

October 19, 2004 Mr. Robert E. Feldman Executive Secretary Attention: Comments/Legal ESS Federal Deposit Insurance Corporation 550 17th Street, NW Washington, DC 20429 RE: RIN3064-AC50 – Community Reinvestment ActDear Mr. Feldman, We appreciate the opportunity to submit these comments in response to the FDIC’s proposed changes to the 12 CFR 345 i

Public Comment CRA2 AC50, Community Economic Development Association of Michigan, Lansing, MI

FDIC — Tue, 24 Jun 2008 14:26:11 GMT

shared by: FDIC on: Tuesday, June 24, 2008

PAGE61October 19,2004 Mr. Robert E. Feldman, Executive Secretary Attention: Commenffkgal ESS Federal Deposit Insurance Co~poration 5550 17m St. NW Washington, DC 20429 Re: RIM 3064-AC50Ma*Board of D l r e c b ~baas n ~ . FAMIuwmOddDear Mr. Feldman: The Community Economic Development Association of Michigan, a statewide trade associat~o

Public Comment CRA2 AC50, Reliance Bank, Altoona, PA

FDIC — Tue, 24 Jun 2008 14:26:11 GMT

shared by: FDIC on: Tuesday, June 24, 2008

E!M u t u d y Rooted With T e Cornrnuni@ hRELIANCE BANK.September 13,2004 Robert E. Feldrnan, Executive Secretary Attention: CommentsLegal ESS Federal Deposit Insurance Corporation 550 17& Street, NW Washington, DC 204297% 7L1119 Twelfth Street P.O. Box 1968.Altoona, PA 16603814.949.6263 Fax 814.949.6298m-=="--c;"P-?cn -: ;

Public Comment CRA2 AC50, County Bank, Greenwood, SC

FDIC — Tue, 24 Jun 2008 14:26:10 GMT

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4)CountybankSeptember 17,2004Mr. Robert E. Feldman Executive Secretary Attn: Comments/Legal ESS Federal Deposit Insurance Corporation 550 17thStreet NW Washington, DC 20429Dear Mr. Feldrnan: Countybank is located in Greenwood, South Carolina. The City of Greenwood has approximately 24,000 person population. Greenwood County has a population of

Public Comment CRA2 AC50, Bay State Savings Bank, Worcester, MA

FDIC — Tue, 24 Jun 2008 14:26:10 GMT

shared by: FDIC on: Tuesday, June 24, 2008

The Community Bank of Choice28 Franklin Street, Worcester, MA 01608 508-890-9000,800-244-8161September 14, 2004 mrrlC=== -7 r lO-:E9sr, /-q 0Robert E. Feldrnan, Executive Secretary Attention: Comments/Legal ESS Federal Dzposit Insma~ce Corporation 550 1 7 Street, NW ~ ~ Washington, D.C. 20429 Re: m -r,r TCAT-0

Public Comment CRA2 AC50, Reliance Bank, Altoona, PA

FDIC — Tue, 24 Jun 2008 14:26:09 GMT

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t!Mutually Rooted WithRELIANCE BANI<. meCommuni@1119 Twelfth Street P.O. Box 1968 Altoona, P 16603 A 814.949.6263 Fax 814.949.62987119September 14,Robert E. Feldman Federal Deposit Insurance Corporation 550 17th Street, NW Washington, DC 20429Re: Community Reinvestment: RIN number 3064-AC50Dear Robert Feldman: As a community banker

Public Comment CRA2 AC50, City of Hollywood, FL

FDIC — Tue, 24 Jun 2008 14:26:09 GMT

shared by: FDIC on: Tuesday, June 24, 2008

O C T 9 1 20E415:33FR N R Y O R S O F F I C EOctober 20.2004Mr. Robert E. Feldman Executive Secretary Attention: Comrncnts/Lesal ESS Federal Deposit Insurance Corporation 550 17th Street, N W Washingtan, DC 20429Dear Mr. Feldman:RE:RIN 3064-AC50I am greatly distressed by a&empts to weaken the CRA (Community Reinvestment Act) requiremen

Public Comment CRA2 AC50, City of Providence, RI

FDIC — Tue, 24 Jun 2008 14:26:08 GMT

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OCT-19-2004 TUE 11:05 AM MAYORS POLICY OFFICE FAX NO. 401 455 8824 October 18, 2004liohsrt E. Fcldnian, Bx~xudvc Secretary Alt&tion: (?ornments/ 1,egal BSS l;ciler:~l D e p ~ ~ s i l Insurance ('orpora rion 550 1 '/'I' SlrccL, N W Wosllinglo~r,I). C. 20423. .,.. ,KlC: NIN 3064-ACSU{)car Mr. Feiihnon:I nln writing to voicc my opp

Public Comment CRA2 AC50, County of Maui, HI

FDIC — Tue, 24 Jun 2008 14:26:08 GMT

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ALAN ARAKAWA MAYOR200 South High Street Wailuku, Maui, Hawai'i 96793-2155 Telephone (808) 270-7855 Fax (808) 270-7870OFFICE OF THE MAYORKe'ena 0 Ka Meia COUNTY OF MAUl - Kalana 0 Maui October 15.2004 Mr. Robert E. Feldman Executive Secretary Attn: CommentsILegal ESS Federal Deposit Insurance Corporation 550 17th Street, NW Washing

Public Comment CRA2 AC50, City of Portland, ME

FDIC — Tue, 24 Jun 2008 14:26:07 GMT

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Joseph E. ti~.;ry,Jr. Cily Ma1iilgt:rOcrobcr 20, 2004 Robert L. I7tldrn;~t~. Exccur~vc Sccrcrary Allenlion: ('olnnients/l,egal LSS Federal Dcposi~ Insurance Corpori~t~on 551) 17'" SI. NW Washington. UC 10429I

Public Comment CRA2 AC50, Community Financial Resource Center, Los Angeles, CA

FDIC — Tue, 24 Jun 2008 14:26:07 GMT

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lSeptember 25,2004 Mr. Robert E. Feldman Executive Secretary [ ( ~ttention:~ommentsfl,egalESS C O M M U N nlu~ru ~~Eedera1 ~ Deposit 'insurance Corporation REsoUnCE 550 17h St. NW 20429 -L*-''-Board oCDLrcctorsICh.lnm0"rV4qu.M RE:RIN 3064-AC50Dear Mr. Feldman: As a member of the National Community Reinvestment Coalition, (na

Public Comment CRA2 AC50, City of Renton, WA

FDIC — Tue, 24 Jun 2008 14:26:06 GMT

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*-October 18, 2004 Robert E. Feldman, Executive Secretary Attention: CommentsLegal ESS Federal Deposit Insurance Corporation 550 17" St NW Washington, DC 20429 RE: RIN 3064-AC50CITY OF RENTBN MayorKathy Keolker-WheelerI P , l / _,j:-7C J-3LiL'? - - #c415 1 I !, 11[; ; ;--;I;A--r. ---. ----,2"ri

Public Comment CRA2 AC50, School Sisters of St. Francis, Milwaukee, WI

FDIC — Tue, 24 Jun 2008 14:26:05 GMT

shared by: FDIC on: Tuesday, June 24, 2008

19/04/04MON 1 2 : 3 6 FAX 4 1 4 3 8 4 1 9 5 0SSSF USPROVIKCEROO2--United States ProvinceMr. Robert E. Feldman Executive Secretary Attention: CommentslLegal ESS Federal Deposit Insurance Corporation 550 17th St., NW Washington, DC 20429 RE: RIN 3064-AC50 Dear Mr. Feldman: As citizens of Wisconsin we are requesting that the FDlC withdr

Public Comment CRA2 AC50, Chesapeake Bank, Kilmarnock, VA

FDIC — Tue, 24 Jun 2008 14:26:05 GMT

shared by: FDIC on: Tuesday, June 24, 2008

October 15; 2004Mr. Robert E. Feldman Executive Secretary Attention: CornmentsLegd ESS Federal Deposit Insurance Corporation 550 17th Street: &TI7 Washington. DC 20429Number 3064-ACSO: FDIC Proposed Increase in the Threshold for Re. the Small Bank CRA Streamlined Examination Dear Sir or Madam:I am CR4 Officer of Chesapeake Bank located in Kilm

Public Comment CRA2 AC50, Ben Franklin Savings Bank, Franklin, MA

FDIC — Tue, 24 Jun 2008 14:26:04 GMT

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Mr. Robert E. Feldman Executive Secretary Attention: CornmentslLegal ESS Federal Deposit Insurance Corporation 550 17th Street, NW Washington, DC 20429a.Re: RIN Number 3064-AC50: FDIC Proposed Increase in the Threshold for the Small Barik CRA Streamlined Examination i Dear Sir or Madam: As the Community ReinvestmentAct Officer of the Benjamin F

Public Comment CRA2 AC50, CEI Ventures, Portland, Me

FDIC — Tue, 24 Jun 2008 14:26:04 GMT

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---..,- CORSTRLENTPRISt:S ., -,. Fax :2077725503Mr. Robert E. Feldman Executive Secretary Federal Deposit Insurance Corporation ,550 i Street, NW p Washington, DC 20429 Re: RIN 3064 AC50 Dear Mr. Feldrnan:.... .. ....,....Thank you for the opportunity to comment on the proposdchanges to the Community Reinvestment Act.1Th

Public Comment CRA2 AC50, Rebuilding Broken Places CDC, Goldsboro, NC

FDIC — Tue, 24 Jun 2008 14:26:04 GMT

shared by: FDIC on: Tuesday, June 24, 2008

REBUILDING BROKEN PLPAGE01 REBUILDING BROKEN PLACES COMMUNITY DEVELOPMENT C0:tPORATION"Ler us ri$eup and I~luld." Then t h y scr rheu hands ro do rhis good work.E~cutive Lecror D Arcbibald D. B1Pr+ B o d of Dimrorr Rev. Dr. W h J. B m k IXC. Ead Davis Vice ChaLman-IOctober 4,2004 Attention: Federal Deposit Insumnce Corporation Re: R

Public Comment CRA2 AC50, PPEP Microbusiness & Housing Development Corp., Tucson, AZ

FDIC — Tue, 24 Jun 2008 14:26:02 GMT

shared by: FDIC on: Tuesday, June 24, 2008

PPF2 MICROBUSINESS & HOUSMG DEvELOPMENT CORPORATXONS 4 806 ~ a n 4 6 &tnx~ Tucson, Arizona 85713 520-806-9513 Fax 520-8064699October 1,2004Robert E. Feldmrn Executive Secretary Attention: CornmentslLegal XSS Federal Deposit Znsnrance Corporation ~ 550 1 7 Street, N W \Washington, D.C 20429-9990 Re: RIN 3064-AC50Gentleman regarding RIN 3064-A

Public Comment CRA2 AC50, Southern Rural Development Initiative, Raleigh, NC

FDIC — Tue, 24 Jun 2008 14:26:01 GMT

shared by: FDIC on: Tuesday, June 24, 2008

k u d r r n Runl Devebpmcnt Inicistirr U9 E. Hvgerr St., Sum 202~ . k r NC n601 ~hphom: 9 1 9 . 8 2 9 . W f. a 919829.0504muu: ~~*)~gAnother destructive element in your proposal is the elimination of thesmall business lending data reporbng requirenent for mid-size banks. Mid-size banks with assets between $250 million and $1 bill

Public Comment CRA2 AC50, Pleasant Point Passamaquoddy Reservation Housing Authority, Perry, ME

FDIC — Tue, 24 Jun 2008 14:26:01 GMT

shared by: FDIC on: Tuesday, June 24, 2008

S e p 1 5 04 0 1 : 5 1 pPleasant Point Housing Pleasant Point Passarnaquoddy Reservation Housing AuthorityRR1, Box 339 Perry, ME 04667 (207) 853-6021Iiru: 853-2368C73 76Mr. Robert E. Feldman Executive Director ESS Attention; Co~ml~entsILegal Federal Ileposit insurance Corporation 550 1 7Ih. strcct N W Washington, 1)C 20429

Public Comment CRA2 AC50, West Texas National Bank, Midland, TX

FDIC — Tue, 24 Jun 2008 14:26:01 GMT

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West Texas National BankWest Texas National Bank in Midland 6 Desta Drive Suite 2400 Mid!and, Texas 79705-5525432.570 6688 432.570.1783 faxSeptember 10, 2004..,<' ' A F i 0-'2:cnN-37-,. ."*Robert E. Feldman, Executive Secretary Attention: CommentsILegal ESS Federal Deposit Insurance Corporation 550 17* Street, NW W

Public Comment CRA2 AC50, Edgemont Neighborhood Coalition, Dayton, OH

FDIC — Tue, 24 Jun 2008 14:26:00 GMT

shared by: FDIC on: Tuesday, June 24, 2008

September 28, 2004 L _-Advocates for Basic Legal Equality, Inc.ABLE Dayton Office 333 W. First Street Suite 500B Dayton, Ohio 45402Mr. Robert E. Feldman Executive Secretary ESS Attention: ~omments/~egal Federal Deposit Insurance Corporation ~ 550 1 7 St.~NW Washington, DC 20429 RE: RIN 3064-AC50 Dear Mr. Feldman: -(937) 2

Public Comment CRA2 AC50, First Security Bank, Bozeman, MT

FDIC — Tue, 24 Jun 2008 14:25:58 GMT

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ISecurity Bank rn First w IAugust 7,2004 Robert E. Feldman, Executive Secretary Attn: CommentsILegal ESS, Federal Deposit Insurance Corporation 550 17thStreet, NW Washington, DC 20429 Re:r!?,7.'.TI- % c,=:c/i53--a9 ,".C-);; ;j1 71 A-i://..:1 ..r-8I6' . J\-$-I1~;^r?' , u c ,1 -1-C)RIN #3064-AC50, Community

Public Comment CRA2 AC50, La Mesa, CA

FDIC — Tue, 24 Jun 2008 14:25:57 GMT

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JAMES C. SCHMIDTcL 1 7-8383 Center Drive, Suite J, La Mesa, CA 91942 Office Phone (619) 469-4641 Office Fax (619) 469-5927-Federal Deposit Insurance Corporation 550 17" Strket, NW Washington, DC 20429-9990 Attention: Robert E. Feldman Dear FDIC leaders:September 13,8004X 'C:.rnrV Q 0Re: RIN 3064-AC5Wl. $ : C~Z! Proposed CRA &&ig

Public Comment CRA2 AC50, East Bay Asian Loan Development Corporation, Oakland, CA

FDIC — Tue, 24 Jun 2008 14:25:53 GMT

shared by: FDIC on: Tuesday, June 24, 2008

EBALDCEast Bay Asran Local Development Corporation 3 I 0 Eighth Street. Sulte L O O Oakland. C4 946074253 phone: 5 10/287-5353 fax: 5 I 0/7634 I43 wwwebaldc.orgBoard of DirectorsJoel Mackey Co-Chair Brendan Leung Co-Char Ted Dang ViceEhalr Thomas Mlsh~ma Treasurer Roy lkeda Secretary Anlta Rees Brother Ayinde Gary Wong Hadiah McLeod Jennie Mol

Public Comment CRA2 AC50, Partnership Accounts for Individual Development, Champaign, IL

FDIC — Tue, 24 Jun 2008 14:25:52 GMT

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09/17/2001 15:32 FAX12173567621LAND-OF-LINCOLNa OOl/OOZPartnership Accounts f o r q27 I n d i v i d u a l DevelopmentntpIll North N e i l.Suite 401.Champaign Illinois 61820.2 1 7 239.6360. 117.239.63&0faxVIA FAX to 202-898-8788 Mr. Robert E. Feldman Executive Secretary Attention: Cornmentsnegal ESS Federal Deposit Insuran

Public Comment CRA2 AC50, Western Dairyland Community Action Agency, Independence, WI

FDIC — Tue, 24 Jun 2008 14:25:52 GMT

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'dY/l>/LUU418: L JIfL3YU3JLJYWC> I CKIYUHIKYLHIYUrnucurOC4 Western DairylandICommunity Action Agencv -23122 Whitehall Rd.P.O. Box 125 Indcpcndencc, Wl54747-0125(715) 985-2391 (800)782-1063FAX (715)985-3239H~SUICFAX (715) 985-2581www. wrsrrrndai~lurd or2Septt ber 15,2004Feldman, Executive Secretary ISSRe:

Public Comment CRA2 AC50, Century Housing, Culver City, CA

FDIC — Tue, 24 Jun 2008 14:25:52 GMT

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CENTURY H O U S I N GkN O N P R O F I TC O R P O R A T I O NBoard of Directors William G. Brennan Vice Chairman Earl G . Fields Chairman Carrie Hawkins Robert M. Hertzberg Diann H. Kim G. Allan Kingston PresidentVCEO Daniel B. Lopez Stephen McDonald Louise Oliver Bill RobertsonAugust 9,2004 Thomas J. Curry Director Federal Deposit Insuranc

Public Comment CRA2 AC50, Jackson, MS

FDIC — Tue, 24 Jun 2008 14:25:51 GMT

shared by: FDIC on: Tuesday, June 24, 2008

Reed Branson 4115 Robin Drive Jackson, MS 39206September 10,2004 Mr. Robert E. Feldman Executive Secretary Attention: CommentsLegal ESS Federal Deposit Insurance Corporation 550 1 7 St. NW ~ ~ Washington, DC 20429RE: RiX 3064-AC50Dear Mr. Feldman: I am writing to express my concern over the Federal Deposit Insurance Corporation (FDIC) proposed

Public Comment CRA2 AC50, San Diego County SER Jobs for Progress, Oceanside, CA

FDIC — Tue, 24 Jun 2008 14:25:50 GMT

shared by: FDIC on: Tuesday, June 24, 2008

*Seruice * Employment Redevelopment------ --- -- - ---..-- - - _ - - - - - ----- - - ------- ---- ----- -------- - - -- --. -------- - -- --- - . . I - - - - . . . - 1 - - - - - - - -George LopezPresidentlCEOSeptember 8,2004Son Diego County SERIJobs For Progress Inc. 3355 Mission Avenue, Suite 123, Oceanside, CA 92054 (760) 754-6500 * FA

Public Comment CRA2 AC50, Reliance Bank, Altoona, PA

FDIC — Tue, 24 Jun 2008 14:25:50 GMT

shared by: FDIC on: Tuesday, June 24, 2008

09/13/04226 W. Plank Road Altoona, PA 16602q7 77Washington, DC 20429 Comments@PDIC.~ov Re: CommunityReinvestment, FUN number 3064-AC50; Proposal to Expand Eligibility for the Streamlined CRA Exam Dear Mr. Feldman:814.946.0477Fax 814.942.01 19--., .-,d

Public Comment CRA2 AC50, Vermont Slauson Economic Development Corp, Los Angles, CA

FDIC — Tue, 24 Jun 2008 14:25:49 GMT

shared by: FDIC on: Tuesday, June 24, 2008

bm1I77 '7 1VERMONT SLAUSON ECONOMIC DEVELOPMENT CORPORATION41/!iSeptembex 15,2004!Mr. Robert E. Feldman, Executive Sec~tary Attention: Comments/L.egal/ESS Federal Deposit Insurance Corporation 550 1 7St., NW ~iW s i g o ,DC 20429 ahntnDear Mr. Feldman:As a member of the National CommunityEconomic Development C

Public Comment CRA2 AC50, South Carolina Association of CDCs, Charleston, SC

FDIC — Tue, 24 Jun 2008 14:25:48 GMT

shared by: FDIC on: Tuesday, June 24, 2008

September 17, 2004 Mr. Robert E. Feldman Executive Secretary Attention: Comments/Legal ESS Federal Deposit Insurance Corporation 550 17th St., NW Washington, DC 20429 RE: RIN 3064-AC50i><-7.1im00 EDear Mr. Feldman:i3 G-,TdCIThe South Carolina Association of Community Developmerp&or~orat~ns, a trade association comprised of 45

Public Comment CRA2 AC50, Mercy Housing, West Sacramento, CA

FDIC — Tue, 24 Jun 2008 14:25:46 GMT

shared by: FDIC on: Tuesday, June 24, 2008

Mercy Housing California v3-3September 8,2004Mr. Robert E, Feldman, Executive Sec&t&y Attention: ~ ~ e ~ s / L e g a l , E S S ~eder'itf e p o s ilifik&e Corporation ~ t ~ W 550 1 7 Street, I 23429RE; RIN 3064-kdkxDear Mr. Feldman As a member of the National Community Reinvestment Coalition, Mercy housing California urges you to withdraw your

Public Comment CRA2 AC50, State of Illinois, Office of Lieutenant Governor

FDIC — Tue, 24 Jun 2008 14:25:45 GMT

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PAT QUINN LIEUTENANT GOVERNOR September 22, 2004 Mr. Robert Feldman Executive Secretary, CommentsILegal ESS Federal Deposit lnsurance Corporation 550 17'~ Street, N.W. Washington, D.C. 20429 Re: RIN#3064-AC50 Dear Mr. Feldman, As Illinois Lieutenant Governor and former State Treasurer, I urge the Federal Deposit lnsurance Corporation (FDIC) to

Public Comment CRA2 AC50, Virginia Bankers Association

FDIC — Tue, 24 Jun 2008 14:25:45 GMT

shared by: FDIC on: Tuesday, June 24, 2008

September 20,2004Mr. Robert E. Feldrnan Executive Secretary Attention: Comments/Legal ESS Federal Deposit Insurance Corporation 550 17th Street, NW Washington, DC 20429Re: RIN Number 3064-AC50: Federal Deposit Insurance Corporation's Proposed Increase in the Threshold for the Small Bank CRA Streamlined Examination We, the undersigned bankers, d

Public Comment CRA2 AC50, Arkansas Bankers Association, Little Rock, AR

FDIC — Tue, 24 Jun 2008 14:25:44 GMT

shared by: FDIC on: Tuesday, June 24, 2008

ARKANSAS BANKERS ASSOCIATION 1220 West Third street 0 Little Rock, AR 72201 0 501-376-3741 0 FAX:501-376-9243 0 www.arkbankers.orgSeptember 17,20045SEP 2 2 2004Mr. Robert E. Feldrnan Executive Secretary Attention: Comments/Legal ESS Federal Deposit Insurance Corporation 550 17th Street, NW Washington, DC 20429 I%--.-itRe:

Public Comment CRA2 AC50, Independent Bankers Association of New York State, Albany, NY

FDIC — Tue, 24 Jun 2008 14:25:44 GMT

shared by: FDIC on: Tuesday, June 24, 2008

125 State Street Albany, NY 12207d&I n d e p e n d e n t B a n k e r s A s s o c i a t i o n o f New York S t a t ePhone 518.436.4646 Fax 518.436.4648- . -.- .. - - -.-September-~-.---~--lMr. Robert Feldman Executive Secretary Attention: ComrnentsILegal Federal Deposit Insurance Corporation 550 17thstreet, NW Washington, DC 20429RE: R

Public Comment CRA2 AC50, Arkansas Bankers Association, Little Rock, AR

FDIC — Tue, 24 Jun 2008 14:25:43 GMT

shared by: FDIC on: Tuesday, June 24, 2008

ARKANSAS BANKERS ASSOCIATION 1220 West Third street0 Little Rock, AR722010 501-376-3741 0 FAX: 501-376-92430 www.arkbankers.orgSeptember 28,2004Mr. Robert E. FeldmanExecutive Secretary Attention: Comments/Legal ESS Federal Deposit Insurance Corporation 550 17th Street, NW Washington, DC 20429Re: RIN Number 3064-AC50: Federal Deposit Insura

Public Comment CRA2 AC50, National Conference of Black Mayors, East Point, GA

FDIC — Tue, 24 Jun 2008 14:25:43 GMT

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b a r d d DlwctorrIPRESIDENT Mayor Hamy Johrson. Jr. ~acbonh+sanippl Is'YICE PRESIDENTMyolRmseveUF Don .+if1t*PANational Conference of Black-Mayors, Inc.IG *O 9 ,M E*hglewooj. Csbmis 2'WE PRESIDENT Mspr R o M L B w e r Enrt h p e . IlruJerseySeptember 14; 2004>/./,.3 VICE PREblDENT 'May%C!awpLOI.EB~t ~ m . h k . h n s

Public Comment CRA2 AC50, NAACP Legal Defense & Educational Fund, Washington, DC

FDIC — Tue, 24 Jun 2008 14:25:42 GMT

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September 16,2004SEP 1 6 2004sBY HAND DELIVERYRobert E. Feldman Executive Secretary Federal Deposit Insurance Corporation 550 17" Street, NW Washington, DC 20429RE:Comments on Proposed FDIC Revisions to Regulations Implementing the Community Reinvestment Act, RIN No. 3064-XCXXDear Executive Secretary Feldman: The NAACP Legal Defense and

Public Comment CRA2 AC50, Arizona Bankers Association, Phoenix, AX

FDIC — Tue, 24 Jun 2008 14:25:41 GMT

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F Z l iArizona BankersAssociation 2001 N. Street. Suite 206 3dPhoenix, ~rizona 85004 Phone: 6021258-1200 Fax: 6021258-8980 TANYA WEELESS President & CEOSeptember 21,2004 Mr. Robert E. Feldman Executive Secretary Attention: CommentsLegal ESS Federal Deposit Insurance Corporation 550 17th Street, NW Washington, DC 20429 Re: RIN

Public Comment CRA2 AC50, Community Bankers Association of New York State, New York, NY

FDIC — Tue, 24 Jun 2008 14:25:41 GMT

shared by: FDIC on: Tuesday, June 24, 2008

COMMUNITY BANKERS ASSOCIATION OF NEW YORK STATE655 THIRD AVENUE, NEW YORK, NY 10017 TEL: 212-573-5500 FAX: 212-573-5509'v -t \JSeptember 13, 2004Mr. Robert E. Feldman Executive Secretary Attention: CommentsLegal ESS Federal Deposit Insurance Corporation 550 17" Street, NW Washington, DC 20429RE: IUN number 3064-AC50Dear Sirmadam: The Com

Public Comment CRA2 AC50, Frandsen Financial Corporation, Arden Hills, MN

FDIC — Tue, 24 Jun 2008 14:25:40 GMT

shared by: FDIC on: Tuesday, June 24, 2008

4388 Round Lake Road West Arden Hills. MN 551 12 September 30,2004Phone: (651) 407-5770 Fax: (651) 407-5785Frandsen Financial Corporation, an inter-state, multi bank holding company located in Minnesota is pleased to have the opportunity to comment on the proposed revisions to the Community Reinvestment Act. We strongly support the FDIC's propo

Housing Partnership Network, Boston, MA

FDIC — Tue, 24 Jun 2008 14:25:40 GMT

shared by: FDIC on: Tuesday, June 24, 2008

October 20, 2004 Mr. Robert E. Feldman Executive Secretary Attention: CommentsILegal ESS Federal Deposit Insurance Corporation 550 17th St., NW Washington, DC 20429 RE: RIN 3064-AC50 Dear Mr. Feldman: On behalf of the Housing Partnership Network, and in my capacity as President, I urge the FDlC to withdraw its proposal to change definition of "smal

Public Comment CRA2 AC50, US House of Representatives, Committee on Financial Services

FDIC — Tue, 24 Jun 2008 14:25:39 GMT

shared by: FDIC on: Tuesday, June 24, 2008

MICHAEL Q. OXLEY. OH. CHAIRMANBnited steta lhuust of RtprtaentatilotsRANKINE MEMBEREommittet on financial SerbicesPeshington, b.&. mgisSeptember 22,2004The Honorable Donald Powell Chairman Federal Deposit Insurance Corporation 550 Seventeenth Street, N.W. Washington, D.C. 20429 Dear Chairman Powell: The Community Reinvestment Act (CRA)was

8-20-04 FDIC CRA small bank threshold ABA final cmt.doc

FDIC — Tue, 24 Jun 2008 14:25:39 GMT

shared by: FDIC on: Tuesday, June 24, 2008

1120 Connecticut Avenue, NW Washington, DC 20036 1-800-BANKERS www.aba.comWorld-Class Solutions, Leadership & Advocacy Since 1875September 20, 2004 Robert E. Feldman, Executive Secretary Attention: Comments/Legal ESS Federal Deposit Insurance Corporation 550 17th Street, N.W. Washington, DC 20429 Re: RIN 3064–AC50; FDIC Proposed Revision of the

9-22-04 FDIC International banking reg proposal ABA cmt.doc

FDIC — Tue, 24 Jun 2008 14:25:38 GMT

shared by: FDIC on: Tuesday, June 24, 2008

1120 Connecticut Avenue, NW Washington, DC 20036 1-800-BANKERS www.aba.comWorld-Class Solutions, Leadership & Advocacy Since 1875September 22, 2004via email to comments@FDIC.govPaul A. Smith Senior Counsel Phone: 202-663-5331 Fax: 202-828-4548 psmith@aba.comRobert E. Feldman, E xecutive Secretary Attention: Comments/Legal ESS Federal Depo

2007 FR Citation, Illustrations of Consumer Information for Nontraditional Mortgage Products

FDIC — Tue, 24 Jun 2008 14:25:38 GMT

shared by: FDIC on: Tuesday, June 24, 2008

Federal Register / Vol. 72, No. 110 / Friday, June 8, 2007 / Noticesplurality opinion, two concurring opinions, and two dissenting opinions), with no single opinion commanding a majority of the Court. During the first six months implementing the guidance, the agencies invite public comment and case studies on early experience with implementing the

2007 FR Citation, AICN, Comment Request

FDIC — Tue, 24 Jun 2008 14:25:38 GMT

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Federal Register / Vol. 72, No. 116 / Monday, June 18, 2007 / NoticesFrequency of Response: One form per claim.Dated: June 11, 2007. Solomon Bush, Agency Clearance Officer. [FR Doc. 07–2977 Filed 6–15–07; 8:45 am]BILLING CODE 6690–01–M33505an appointment to inspect the comments by calling (202) 874–5043. FDIC • http://www.FDIC.gov/regulation

Public Comment CRA2 AC50, Community Reinvestment Fund, Minneapolis, MN

FDIC — Tue, 24 Jun 2008 14:25:37 GMT

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801 Nicollet Mall- Suite 1800 West - Minneapolis, M N 55402 - www.crfura.comMain612-338-30 50 800-475-3050 Far 612-338-3236-October 27, 2004VIA E-MAILMr. Robert E. Feldrnan, Executive Secretary Attention: Comments/Legal ESS Federal Deposit Insurance Corporation 550 171hStreet, NW. Washmgton, DC 20429SUBJECT:PROPOSED REVISIONS TO T H

2007 Seminnual Agenda of Regulations, April 30, 2007

FDIC — Tue, 24 Jun 2008 14:25:37 GMT

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No description

FR Citation, AICN, Comment Request

FDIC — Tue, 24 Jun 2008 14:25:36 GMT

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Federal Register / Vol. 72, No. 109 / Thursday, June 7, 2007 / Noticescarefully examine the applicability criteria in Part I, Section A.1 of the draft permit. Questions on the permit’s [FRL–8323–3] application to specific facilities may also be directed to Ms. Smith at the Final NPDES General Permit for telephone number or address listed Discharge

2007 FR Citation, AICN, Comment Request, Deposit Insurance Assessment

FDIC — Tue, 24 Jun 2008 14:25:35 GMT

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23816Federal Register / Vol. 72, No. 83 / Tuesday, May 1, 2007 / Noticesavailable, e.g., CBI or other information whose disclosure is restricted by statute. Certain other material, such as copyrighted material, will be publicly available only in hard copy. Publicly available docket materials are available either electronically in www.regulations

2007 FR Citation, AICN, Comment Request

FDIC — Tue, 24 Jun 2008 14:25:35 GMT

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Federal Register / Vol. 72, No. 103 / Wednesday, May 30, 2007 / Noticesearly as possible; please allow at least 5 days advance notice. Last minute requests will be accepted, but may be impossible to fill. Send an e-mail to: fcc504@fcc.gov or call the Consumer & Governmental Affairs Bureau at 202– 418–0530 (voice), 202–418–0432 (tty). Additional in

Public Comment CRA2 AC50, Abington Bank, Jenkintown, PA

FDIC — Tue, 24 Jun 2008 14:25:34 GMT

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ABINGToN BANK--------since 1867September 17,2004I] 1DE(GE[I!JE 1SEP 2 8 2004B& Y\.-Robert E. Feldman Executive Secretary Federal Deposit Insurance Corporation 550 1 7 ' ~ Street, N.W. Washington, D.C. 29429RE:Community Reinvestment RIN number 3064-AC50Dear Mr. Feldman: The Board of Trustees of Abington Bank has asked me inform you

Public Comment CRA2 AC50, Pioneer Bank & Trust, Belle Fourche, SD

FDIC — Tue, 24 Jun 2008 14:25:34 GMT

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aPioneer Bank & Trust Trust & Investments 2001 W Omaha St. PO Kox 9189 Rapid Ciw, SD 57709..0189 P/&orre (605) 341-2265 Fux (605) 341-7425,704 7th Aue, PO Box 729 Belle Fourche, SD 5771 7-0729 Phone (605) 8923494 Far (605) 892-2115140 6 Jc~ckson KI#:rI, PO Nr~x 940 .~p@rfish, 577834940 @ RliL>rro j6@ 642-TP??5 L-_ %(60&$42-Iiq.!,-

Interagency Proposal for Model Privacy, 12 CFR Part 332

FDIC — Tue, 24 Jun 2008 14:25:34 GMT

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16875CorrectionsFederal Register Vol. 72, No. 65 Thursday, April 5, 2007This section of the FEDERAL REGISTER contains editorial corrections of previously published Presidential, Rule, Proposed Rule, and Notice documents. These corrections are prepared by the Office of the Federal Register. Agency prepared corrections are issued as signed docu

Public Comment CRA2 AC50, Northern California Community Loan Fund, San Francisco, CA

FDIC — Tue, 24 Jun 2008 14:25:33 GMT

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09/10/2004N O R T H E R N C A L I F O R N I A e~,> 3(PAGE01/02SeptenMr. Rc Execul Attenti Federa 550 17 WashiDear hrt E. Feldman:SecretaryESS leposit Insurance Corporation itreet NW on, DC 20429: CommentsLegalIamu withdr has be expanc color c contin By wa comm low-i~ capita comm betwe1 financ facing servic analysing as

Public Comment CRA2 AC50, Alliance Bank, New Ulm, MN

FDIC — Tue, 24 Jun 2008 14:25:33 GMT

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ALLIANCE BANKz zmXm0Y)-0 onSeptember 7,2004-=aml1o2m0WmRobert E Feldman, Executive Secretary Attention: CommentsILegal ESS Federal Deposit I n s u r a n c ~ ~ o r ~ o r a t i o n 550 1 7 ' ~ Street NW Washington, DC 20429 Dear Mr. Feldman:--c23revisions to Alliance Bank is pleased to have the opportunity to comm

Public Comment CRA2 AC50, California community Reinvestment Corporation, Glendale, CA

FDIC — Tue, 24 Jun 2008 14:25:31 GMT

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August 5,2004-VIA FAX 202-898-3500. .Donald E. Powell Chairman Federal Deposit Insurance Corporation 550 17' Street, NW Washington, DC 20429Dear Mr. Powell:The California Community ReinvestmentCorporation Consortium is a nonprofit corporation that responds to California's statewide Mordable housing shortageOur commitment extends to commu

Public Comment CRA2 AC50, Community Investment Corp, Chicago, IL

FDIC — Tue, 24 Jun 2008 14:25:31 GMT

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Message Parker, Steve From: Sent: To: NAAHL [naahl@naahl.org] Wednesday, September 08, 2004 3:53 PM CommentsPage 1 of 1Subject: RIN number 3064-AC50 Please disregard the first email. - Original Message - From: NAAHL [mailto:naahl@naahl.org] Sent: Wednesday, September 08, 2004 3:49 PM To: 'Comments@fdic.gov' Subject: RIN number 3064-AC50/7?S

Public Comment, CRA , American Bankers Assn.

FDIC — Tue, 24 Jun 2008 14:25:30 GMT

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1120 Connecticut Avenue, NW Washington, DC 20036 1-800-BANKERS www.aba.comWorld-Class Solutions, Leadership & Advocacy Since 1875 May 10, 2005Filed via emailPaul A. Smith Senior Counsel Phone: 202-663-5331 Fax: 202-828-4548 psmith@aba.comCommunications Division Public Information Room Office of the Comptroller of the Currency 250 E S

Public Comment, CRA, Consumer Bankers Assn.

FDIC — Tue, 24 Jun 2008 14:25:30 GMT

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CB4May 10,2005CONSUMER BANKERS ASSOCIATIONOffice of the Comptroller of the Currency 250 E Street, SW Mail Stop 1-5 Washington, DC 20219 Rc~s.coniments~occ.treas.eov Ms. Jennifer J. Johnson Secretary Board of Governors of the Federal Reserve System 20"'St. and Constitution Avenue, NW Washington, DC 20551 Rees.comments@,federalreserve.eov Robe

Advance Notice of Proposed Rulemaking Regarding Risk-Based Capital Guidelines; Implementation of New Basel Capital Accord

FDIC — Tue, 24 Jun 2008 14:25:29 GMT

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DATE: MEMORANDUM TO: FROM: SUBJECT:July 11, 2003 Board of Directors Michael J. Zamorski, Director Division of Supervision and Consumer Protection Advance Notice of Proposed Rulemaking Regarding RiskBased Capital Guidelines; Implementation of New Basel Capital Accord That the Board of Directors of the Federal Deposit Insurance CorporationProposa

Public Comment, CRA, James C. Schmitt, La Mesa, CA

FDIC — Tue, 24 Jun 2008 14:25:29 GMT

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JAMES C.SCHMLDT8383 Center Drive, Suite J, La Mesa, CA 91942 OHce Phone . (619) 469-4641 Onlee Far . (619) 469-5927Robert E. Feldman, Executive Secretary Federal Deposit Insurance Corporation 550 17&St. NW Washington, D:C. 20429 Dear Mr. Feldman: Attention: CommentsThe Federal Reserve, FDIC and the Comptroller have received many, many letters

Risk-Based Capital Guidelines; Implementation of New Basel Capital Accord

FDIC — Tue, 24 Jun 2008 14:25:29 GMT

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DEPARTMENT OF THE TREASURY Office of the Comptroller of the Currency 12 CFR Part 3 [Docket No. 03-XX] RIN Number 1557-AB14 FEDERAL RESERVE SYSTEM 12 CFR Parts 208 and 225 [Regulations H and Y; Docket No. R-- ] FEDERAL DEPOSIT INSURANCE CORPORATION 12 CFR Part 325 RIN DEPARTMENT OF THE TREASURY Office of Thrift Supervision 12 CFR Part 567 [Docket No

Unfair Acts or Practices

FDIC — Tue, 24 Jun 2008 14:25:28 GMT

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Communications Connected with Debt Collection

FDIC — Tue, 24 Jun 2008 14:25:28 GMT

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Deceptive Acts and Practices

FDIC — Tue, 24 Jun 2008 14:25:28 GMT

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Interbank Contagion Evidence from Real Transactions

FDIC — Tue, 24 Jun 2008 14:25:27 GMT

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Interbank Contagion: Evidence from Real Transactions†Rajkamal Iyer‡ and Jos L. Peydr-Alcalde March 2005Abstract This paper analyzes the propagation of a crisis due to balance sheet connections among banks arising from interbank commitments. We use a unique dataset from India that allows us to identify the interbank commitments in order to tes

Informational Efficiency of Markets PPT

FDIC — Tue, 24 Jun 2008 14:25:27 GMT

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Banking Relationships and Conflicts of Interest Market Reactions to Lending Decisions by Korean Banks

FDIC — Tue, 24 Jun 2008 14:25:26 GMT

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Banking Relationships and Conflicts of Interest: Market Reactions to Lending Decisions by Korean BanksWOOK SOHN∗KDI School of Public Policy and ManagementABSTRACTThis paper examines how the forced closure of failing banks and the transfer of their loans to surviving banks affect the market value of firms borrowing from the closed banks. Surp

The Informational Efficiency of the Equity Market As Compared to the Syndicated Bank Loan Market

FDIC — Tue, 24 Jun 2008 14:25:26 GMT

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The Informational Efficiency of the Equity Market As Compared to the Syndicated Bank Loan Market*Linda AllenProfessor of Finance Baruch College, CUNY Linda_Allen@baruch.cuny.eduAron A. GottesmanAssociate Professor of Finance Lubin School of Business, Pace University agottesman@pace.eduWe thank Ed Kane, Ozgur Dermirtas, Turan Bali, Lin Peng,

Borrower Lender Distance Credit Scoring and the Performance of Small Business Loans

FDIC — Tue, 24 Jun 2008 14:25:25 GMT

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Borrower-Lender Distance, Credit Scoring, and the Performance of Small Business LoansRobert DeYoung* Federal Reserve Bank of Chicago Dennis Glennon* Office of the Comptroller of the Currency Peter Nigro Bryant University This version: September 2005 Abstract: Credit to small businesses is an important underpinning for job creation and macroeconomi

Controlling Fraud Risk Exposure and Loss PPT

FDIC — Tue, 24 Jun 2008 14:25:25 GMT

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Is Financial Globalization Beneficial

FDIC — Tue, 24 Jun 2008 14:25:24 GMT

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IS FINANCIAL GLOBALIZATION BENEFICIAL?Frederic S. Mishkin Uris Hall 817 Columbia University New York, New York 10027 Phone: 212-854-3488, Fax: 212-316-9219 E-mail: fsm3@columbia.eduSeptember 2005JMCB-FDIC Lecture presented at the FDIC, Washington, D.C. on September 22, 2005. This lecture draws heavily on material in chapters 1-7 of my forthcomi

Asset Backed Securities Costs and Benefits of Bankruptcy Remoteness

FDIC — Tue, 24 Jun 2008 14:25:24 GMT

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Asset-Backed Securities: Costs and Beneﬁts of “Bankruptcy Remoteness”∗Kenneth M. Ayotte† Columbia Business School Stav Gaon‡ Columbia Business SchoolAbstract This paper focuses on a key property of asset-backed securities (ABS); namely, that ABS are designed to achieve “bankruptcy remoteness” of the securitized assets from the borrowing ﬁrm. Thi

Financial Sector Integrity and Emerging Risks in Banking PPT

FDIC — Tue, 24 Jun 2008 14:25:23 GMT

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Deposit insurance Bank Regulation and Financial System Risks PPT

FDIC — Tue, 24 Jun 2008 14:25:22 GMT

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Deposit Insurance Bank Regulation and Financial System Risks

FDIC — Tue, 24 Jun 2008 14:25:21 GMT

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Comments WelcomeDeposit Insurance, Bank Regulation, and Financial System RisksbyGeorge Pennacchi* Professor of Finance University of IllinoisFirst Draft: April 2005 This Draft: August 2005 Abstract Recent theoretical and empirical research has identified a role for banks in hedging risks from liquidity shocks. This paper presents empirical

A Simple Model for Time Varying Expected Returns on the S P Index - Conference Agenda and Papers

FDIC — Tue, 24 Jun 2008 14:25:20 GMT

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A Simple Model for Time-Varying Expected Returns on the S&P 500 IndexJames S. Doran Department of Finance Florida State University Ehud I. Ronn Department of Finance University of Texas at Austin Robert S. Goldberg Department of Finance Adelphi UniversityAugust 26, 2005Communications Author: Address:James S. Doran Department of Finance Colle

The Information Content of Option Implied Volatility for Credit Default Swap Valuation - Conference Agenda and Papers

FDIC — Tue, 24 Jun 2008 14:25:17 GMT

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The Information Content of Option-Implied Volatility for Credit Default Swap ValuationCharles CaoFan YuZhaodong Zhong1First Draft: November 12, 2005 Current Version: March 10, 2006Cao and Zhong are from the Smeal College of Business at the Pennsylvania State University, Email: charles@loki.smeal.psu.edu, and zxz126@psu.edu. Yu is from the

Information Based Asset Pricing - Conference Agenda and Papers

FDIC — Tue, 24 Jun 2008 14:25:17 GMT

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Information-Based Asset PricingDorje C. Brody∗ , Lane P. Hughston† , and Andrea Macrina†∗ Blackett † DepartmentLaboratory, Imperial College, London SW7 2BZ, UK of Mathematics, King’s College London, The Strand, London WC2R 2LS, UKAbstract. A new framework for asset price dynamics is introduced in which the concept of noisy information about f

Modeling the Term Structure of Defaultable Bonds under Recovery Risk - Conference Agenda and Papers

FDIC — Tue, 24 Jun 2008 14:25:13 GMT

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Modeling the Term Structure of Defaultable Bonds under Recovery RiskLotﬁ Karoui∗ November 17, 2005Abstract Although the Basle Committee has identiﬁed recovery risk as an important source of risk in addition to default, the impact of recovery rates on bond prices is not yet fully understood in the literature. This paper proposes a reduced form di

Joint Estimation of Default and Recovery Risk A Simulation Study - Conference Agenda and Papers

FDIC — Tue, 24 Jun 2008 14:25:13 GMT

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Joint Estimation of Default and Recovery Risk: A Simulation Study†Jens Henrik Eggert ChristensenDept. of Finance, Copenhagen Business School, Solbjerg Plads 3, 2000 Frederiksberg, DenmarkAbstract A joint modeling and estimation of recovery risk, default intensity risk, and interest rate risk has so far been a neglected issue in the empirical c

Bank Size, Credit and the Sources of Bank Market Risk

FDIC — Tue, 24 Jun 2008 14:25:12 GMT

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Bank Size, Credit and the Sources of Bank Market RiskRyan Stever Haas School of Business University of California, Berkeley Berkeley, CA 94720 (510) 643-1422 stever@haas.berkeley.edu November 2005Abstract: In the first of three papers examining bank risk, we examine equity and loan portfolio characteristics of publicly-traded bank holding compan

Restructuring Risk in Credit Default Swaps An Empirical Analysis - Conference Agenda and Papers

FDIC — Tue, 24 Jun 2008 14:25:12 GMT

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Restructuring Risk in Credit Default Swaps: An Empirical Analysis∗Antje Berndt† Robert A. Jarrow‡ ChoongOh KangCurrent Version: November 18, 2005Preliminary and IncompleteAbstract This paper estimates the price for bearing exposure to restructuring risk in the U.S. corporate bond market during 2000-2005, based on the relationship between quo

Do Heterogeneous Beliefs Matter for Asset Pricing

FDIC — Tue, 24 Jun 2008 14:25:11 GMT

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Do Heterogeneous Beliefs Matter for Asset Pricing?Evan W. Anderson Eric Ghysels Jennifer L. Juergens∗ July 1, 2004∗ We thank Stan Levine (previously of First Call) and First Call/Thomson for providing the earnings data used in this study. We express our appreciation to Campbell Harvey and anonymous referees for providing invaluable comments and

The Governance of Banks How do bank capital and monitoring impact post acquisition risk taking and performance

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The governance of banks: How do bank capital and monitoring impact post-acquisition risk taking and performance?Christa H.S. Bouwman September 10, 2004 Abstract: This paper theoretically and empirically examines how three corporate governance mechanisms – bank capital, regulatory monitoring and large shareholder monitoring – affect an acquiring ba

Bank Consolidation and Small Business Lending Patterns

FDIC — Tue, 24 Jun 2008 14:25:10 GMT

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Geographic Diversification in Banking and its Implications for Bank Portfolio Choice and PerformanceDonald P. Morgan Federal Reserve Bank of New York Katherine Samolyk1 Federal Deposit Insurance Corporation Feb 20, 2003 Abstract This paper documents the trend in geographic diversification among U.S. bank holding companies since 1994, and investig

How Depositors Discipline Banks A Micro level Case Study of Hamilton Bank

FDIC — Tue, 24 Jun 2008 14:25:09 GMT

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How Depositors Discipline Banks: A Micro-level Case Study of Hamilton BankAndrew M. Davenport and Kathleen M. McDill* September 2004*Senior Financial Economists, Federal Deposit Insurance Corporation. Corresponding author: Kathleen McDill, 550 17th Street, NW, Washington, DC 20429. Telephone (202) 898-3705, Fax (202) 898-8636. The authors wou

A Simple Model for Time Varying Expected Returns on the S P Index

FDIC — Tue, 24 Jun 2008 14:25:08 GMT

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Information Based Asset Pricing

FDIC — Tue, 24 Jun 2008 14:25:06 GMT

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