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2020 - Fourth Issue
2020 - Third Issue
- A Message from Governor Bowman
- View from the District: How Community Banks Are Responding to COVID-19
- CDIAC: One Important Way the Board Takes the Pulse of Community Banks and the Economies They Serve
- The Federal Reserve System’s Ombudsman and Amendments to the Material Supervisory Determination Appeals Process
- Steps to Prepare for the Cessation of LIBOR
- Maintaining Strong Cybersecurity Controls Is Imperative as Online Threats Increase
- Complete Issue
(3.4 MB, 32 pages)
2020 - Second Issue
- A Message from Governor Bowman
- Regulatory Actions in Response to COVID-19
- CECL Corner: CECL and the CARES Act
- View from the District: First District Community Bank Supervision and Communication During the Pandemic
- Conducting Offsite Bank Examinations
- Loan Modifications and COVID-19
- Federal Reserve Discount Window: What It Is and How It Works
- Complete Issue
(808 KB, 24 pages)
2020 - First Issue
2019 - First Issue
2018 - First Issue
2017 - Second Issue
2017 - First Issue
- View from the District: Fintech: Balancing the Promise and Risks of Innovation
- The Use of Evaluations in a Prudent Risk Management Framework for Real Estate Lending
- Considerations for Banks Thinking About Migrating to a Dot-Bank Domain Name
- The Importance of Third-Party Vendor Risk Management Programs
- Complete Issue
(1.1 MB, 20 pages)
2016 - Second Issue
- View from the District: Preparing Now to Weather Conditions Ahead
- Helpful Hints When Filing an Application with the Federal Reserve
- Examiners’ View: A Fiduciary’s Responsibilities for Unique and Special Assets
- Less Risky Business: An Overview of a New Cybersecurity Assessment Tool
- The Federal Reserve’s Discount Window: What It Is and How It Works
- Complete Issue
(1.1 MB, 24 pages)
2016 - First Issue
- Community Bank Research Conference Looks at the Changing Nature of Competition
- The U.S. EMV Chip Card Migration: Considerations for Card Issuers
- New Rules on Accounting for Credit Losses Coming Soon
- The Community Depository Institutions Advisory Council’s Impact After Five Years
- Complete Issue
(1.2 MB, 20 pages)
2015 - Third Quarter
2015 - Second Quarter
2015 - First Quarter
- Back to the Future: Personal Reflections on the Evolution of Community Bank Supervision
- Navigating the Great Deposit Migration Through Interest Rate Risk Modeling
- Successfully Managing Agricultural Credit Risk Regardless of Agricultural Market Conditions
- Development and Maintenance of an Effective Loan Policy: Part 2
- Complete Issue
(1.8 MB, 24 pages)
2014 - Third-Fourth Quarter
- Lessons Learned from the Bank Failure Epidemic in the Sixth District: 2008–2013
- Cybersecurity: Part 2 – Cyber-Related Risk Assessment and Controls
- Recruiting and Retaining Community Bank Directors
- Managing Service Provider Relationships and Risks: Questions Concerning Federal Reserve Guidance on Managing Outsourcing Risk
- Promoting an Inclusive Financial System: Spotlight on Minority Depository Institutions
- Development and Maintenance of an Effective Loan Policy: Part 1*
- Complete Issue
(1.3 MB, 28 pages)
2014 - Second Quarter
- Board Staff Perspective on Community Bank Supervision: One Size Doesn't Fit All
- Municipal Lending at Community Banking Organizations — Emerging Risks?
- Bank-Owned Life Insurance: A Primer for Community Banks
- Loan and OREO Accounting Guidance ... for the Good Times
- Federal Reserve Seeks to Conduct More Loan Reviews Off-Site
- Congress Passes the Homeowner Flood Insurance Affordability Act of 2014
- Complete Issue
(671 KB, 20 pages)
2014 - First Quarter
2013 - Fourth Quarter
- Conference Highlights Opportunities and Challenges Facing Community Banks
- Home Equity Lending: A HELOC Hangover Helper — Part 2
- Community Bank Operations: Risk Related to End of Support for Microsoft Windows XP
- Regulatory Reporting by Small Holding Companies: Common Errors
- Reaching for Yield: Short-Term Gains, Longer-Term Pains?
- Staying Ahead of Fraudsters: Protecting Your Bank and Your Customers from Payments Fraud
- Complete Issue
(2.32 MB, 28 pages)
2013 - Third Quarter
- Capital Planning: Not Just for Troubled Times
- Essentials of Effective Interest Rate Risk Measurement
- Community Banks and the Revised Regulatory Capital Framework
- Assessing Inherent BSA/AML Risk at Community Banks
- Banking Alert: Patent Lawsuits Against Community Banks Are Increasing
- Fedlinks: Supervisory
Expectations for Appraisal and Evaluation Programs
- Complete Issue
(2.08 MB, 24 pages)
2013 - Second Quarter
- Confronting "This Time It Will Be Different" in 2013
- Home Equity Lending: A HELOC Hangover Helper
- Contingency Funding Plan: Banking Busywork or Essential Management Tool?
- Investing in Securities Without Relying on External Credit Ratings
- Loan Participations: Lessons Learned During a Period of Economic Malaise
- Fedlinks: Supervisory
Expectations for Internal Control Functions
- Complete Issue
(1.04 MB, 20 pages)
2013 - First Quarter
- Considerations When Introducing a New Product or Service at a Community Bank
- Effective Asset/Liability Management: A View from the Top
- Reversing the Trend: An Examiner's Thoughts About Negative Provisions and the ALLL
- Confidential Supervisory Information Disclosure Rules
- Congress Extends the National Flood Insurance Program ...
- FedLinks: Allowance for Loan
and Lease Losses
- Complete Issue
(1.07 MB, 16 pages)
2012 - Fourth Quarter
- The Importance of Effective Corporate Governance
- Sound Risk Management Practices in Community Bank C&I Lending
- Weathering the Storm: A Case Study of Healthy Fifth District State Member Banks over the Recent Downturn
- Upgrades to Supervisory Ratings for Community Banking Organizations
- Fedlinks: Risk Management
Supervisory Expectations for Agricultural Credit Risk
- Complete Issue
(929 KB, 16 pages)
2012 - Third Quarter
- The Importance of Community Banking: A Conversation with Chairman Ben Bernanke »
- Interest Rate Risk Management at Community Banks »
- Community Banks, Fed Connect Through the Community Depository Institutions Advisory Council »
- Uncovering the Mystery of an Appraisal »
- The Regulatory Capital Proposals: Frequently Asked Questions »
- Complete Issue
(1.48 MB, 24 pages)
What's New
Highlights
- SR Letter
15-12, “Spanish Translation of the 2014 Federal Financial Institutions Examination
Council’s Bank Secrecy Act/Anti-Money Laundering Examination Manual”
- SR Letter
15-11/CA Letter 15-9, “Examinations of Insured Depository Institutions Prior to Membership or
Merger into a State Member Bank”
- SR Letter
15-10/CA Letter 15-8, “Expansion of the Federal Reserve’s Emergency Communications
System”
- SR Letter 15-9,
“FFIEC Cybersecurity Assessment Tool for Chief Executive Officers and Boards of
Directors”
- Federal Bank Regulatory Agencies Seek Further Comment on Interagency Effort to Reduce Regulatory Burden
- Speech by
Governor Tarullo at the EGRPRA Outreach Meeting
- Testimony by Mark
E. Van Der Weide, Deputy Director, Division of Banking Supervision and Regulation, on Insurance
Regulation
- Federal
Reserve Board Issues Final Rule to Expand Applicability of Small Bank Holding Company Policy
Statement and Apply It to Certain Savings and Loan Holding Companies
- Agencies
Announce Additional EGRPRA Outreach Meetings
- Federal
Bank Regulatory Agencies Seek Comment on Interagency Effort to Reduce Regulatory Burden
- Federal
Reserve Board Invites Public Comment on Proposed Rule to Expand the Applicability of Board's Small
Bank Holding Company Policy Statement
- Agencies
Announce Additional EGRPRA Outreach Meetings
- Federal
Reserve Board Announces Banking Entities Have Until July 21, 2016, to Conform Investments in and
Relationships with Covered Funds and Foreign Funds That Were in Place Prior to December 31, 2013
- Federal
Reserve Board Issues Final Rule to Implement Section 622 of the Dodd-Frank Act
- Agencies
Announce EGRPRA Outreach Meetings
- Federal
Reserve Board Issues Final Rule to Implement Section 622 of the Dodd-Frank Act
- Agencies
Announce EGRPRA Outreach Meetings
- Agencies Issue Proposed Rule on Minimum Requirements for Appraisal Management Companies
- Loretta J. Mester Named President and Chief Executive Officer of the Federal Reserve Bank of Cleveland, Effective June 1, 2014
- Testimony by Governor Tarullo on Dodd-Frank Implementation
- Testimony by Governor Tarullo on the Volcker Rule
- Federal
Financial Regulators Extend Comment Period for Proposed Policy Statement on Assessing Diversity
Policies and Practices of Regulated Entities
- Agencies
Issue Final Rules Implementing the Volcker Rule
- Federal
Reserve Board Announces Banking Entities Covered by Section 619 of the Dodd-Frank Act Are Required
to Fully Conform Their Activities by July 21, 2015
- FinCEN, Federal Reserve Finalize Rule Amending Definitions in the Bank Secrecy Act
- Agencies
Release Final Revisions to Interagency Questions and Answers Regarding Community Reinvestment
- Community Bank
Lending During the Financial Crisis
- Community
Banking in the 21st Century
- Annual Agriculture
Conference - Chicago, IL
- Big Banks in
Small Places: Are Community Banks Being Driven Out of Rural Markets?
- The Future of
Community Banks: Lessons from Banks That Thrived During the Recent Financial Crisis
Speeches
- Speech by Governor
Brainard on Identifying Opportunities for Reducing Regulatory Burdens on Community
Banks
- October 19, 2015
- Observations on Community Banking Supervision in the Second District - May 4, 2015
- Speech by Governor Tarullo at the EGRPRA Outreach Meeting - May 4, 2015
- Speech by Chair Yellen on Monetary Policy and Financial Stability - July 02, 2014
- Speech by Governor Stein on Crowdfunding - March 24, 2014
- Speech by Chair Yellen at the Ceremonial Swearing-In - March 5, 2014
- Speech by Governor Stein on Banks as Patient Debt Investors - January 3, 2014
- Let's
Move Forward: The Case for Timely Implementation of Revised Capital Rules
by Governor Sarah Bloom Raskin - June 6, 2013
- Prospects for a
Stronger Recovery
by Governor Sarah Bloom Raskin - May 16, 2013
- Reflections on
Reputation and Its Consequences
by Governor Sarah Bloom Raskin - February 28, 2013
- The
Future of Community Banking
by Governor Elizabeth A. Duke - February 5, 2013
- Community
Banks and Mortgage Lending
by Governor Elizabeth A. Duke - November 9, 2012
- Community
Banking
by Chairman Ben S. Bernanke - March 14, 2012
- Opportunities to Reduce
Regulatory Burden and Improve Credit Availability
by Governor Elizabeth A. Duke - January 13, 2012
- Community Bank
Examination and Supervision amid Economic Recovery
by Governor Sarah Bloom Raskin - January 6, 2012