Dec. 4, 2013
BankNews e-Digest header
Will Regulators Walk the Walk?
By Bill Poquette
, Editor-in-Chief

Bill cropped Tiered regulation, one-size-does-not-fit-all regulation, call it what you will, but top federal regulators are talking about it more frequently after hearing about it more and more from community bankers and their lobbying groups. The concept was prominently featured recently at "Community Banking in the 21st Century," a conference hosted by the Federal Reserve and the Conference of State Bank Supervisors at the St. Louis Fed.  Read more>>  

 

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Federal Reserve Requests Comment on Proposed Changes to Policy on Payment System Risk
The proposed changes to the PSR policy posting rules are intended to align them with current operations and processing times and to strategically position the rules for future advancements in the speed of clearing and settlement. Read more>>
FHFA Announces Fannie Mae, Freddie Mac Conforming Loan Limits for 2014
The Federal Housing Finance Agency has announced that the 2014 maximum conforming loan limits for mortgages acquired by Fannie Mae and Freddie Mac will remain at $417,000 for one-unit properties in most areas of the country. Read more>>
Tier 1-Mo. Bank

FDIC-Insured Institutions Earned $36 Billion in the Third Quarter of 2013   

This is the first time in 17 quarters - since the second quarter of 2009 - that earnings registered a year-over-year decline. The earnings decline was mainly attributable to a $4 billion increase in litigation expenses at one institution. Read more>>
Register for Webcasts
Best-Ever Compliance Checklist for Consumer Loans
Date: Dec. 12
Click here more information or to register.

This webinar will introduce bankers to a set of colorful checklists for consumer  loans. The checklists lead bankers through the various compliance requirements and can virtually eliminate compliance errors. We will provide bankers with detailed checklists for eight types of consumer loans and cover all the usual compliance rules.

Click here  for other featured webinars and audio conferences.

Community Banking in the 21st Century
Attendees of the "Community Banking in the 21st Century" research conference asked panelists about a variety of topics, including opportunities created by regulation, the importance of quality management, concerns about talented employees leaving after being trained and challenges in attracting board members. Click here to watch the video. (Scroll down the BankNews home page.)
Consumer Confidence Declines Again in November
Consumers' assessment of overall current conditions decreased slightly. Those claiming business conditions are "good" edged up to 19.9 percent from 19.5 percent, while those claiming business conditions are "bad" increased to 25.2 percent from 23.0 percent. Read more>> 
ABA Makes Additions to ABA Nasdaq Community Bank Index
The American Bankers Association has added five banks to the ABA Nasdaq Community Bank Index (ABAQ), effective Dec. 2, 2013. Additionally, BOK Financial Corp. and Popular Inc. (BPOP) no longer qualify under the criteria for inclusion in the ABA Nasdaq Community Bank Index, as both are now among the 50 largest banking charters. Read more>> 


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Consumer Confidence Declines Again in November      

Consumers' assessment of overall current conditions decreased slightly. Those claiming business conditions are "good" edged up to 19.9 percent from 19.5 percent, while those claiming business conditions are "bad" increased to 25.2 percent from 23.0 percent. Read more>>