Despite Recent Improvements, Bank Supervision Could be More Effective and Less Burdensome: Report to the Congress |
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Page 1
... operations of the three Federal bank regulatory agencies -- the Comptroller of the Currency , the Federal Deposit Insurance Corporation , and the Federal Reserve System . We issued two reports in 1977 based on our task force work . In ...
... operations of the three Federal bank regulatory agencies -- the Comptroller of the Currency , the Federal Deposit Insurance Corporation , and the Federal Reserve System . We issued two reports in 1977 based on our task force work . In ...
Page 11
... operations that may affect subsidiary banks . Until the mid - 1970s the Federal Reserve had not been very active in examining bank holding companies . In 1975 only 13 per- cent of the companies were inspected , and most of these inspec ...
... operations that may affect subsidiary banks . Until the mid - 1970s the Federal Reserve had not been very active in examining bank holding companies . In 1975 only 13 per- cent of the companies were inspected , and most of these inspec ...
Page 27
... operations Percent perceiving " great " or " very great " importance placed by examiners Comptroller Federal Reserve FDIC Effects - oriented areas Condition and structure of assets 74.3 75.3 73.0 Structure of liabilities and capital ...
... operations Percent perceiving " great " or " very great " importance placed by examiners Comptroller Federal Reserve FDIC Effects - oriented areas Condition and structure of assets 74.3 75.3 73.0 Structure of liabilities and capital ...
Page 48
... and by mid - 1976 began operating a limited system with a 5 - year data base . By October 1976 the system was fully operational , and since then data has been added to the system . At the time of our 1976 task force study , 48.
... and by mid - 1976 began operating a limited system with a 5 - year data base . By October 1976 the system was fully operational , and since then data has been added to the system . At the time of our 1976 task force study , 48.
Page 49
... operational in late 1976 and early 1977 , but since then the Board has made changes to the systems . At the same ... operation and under development several systems to monitor bank performance for adverse trends and to identify banks ...
... operational in late 1976 and early 1977 , but since then the Board has made changes to the systems . At the same ... operation and under development several systems to monitor bank performance for adverse trends and to identify banks ...
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Common terms and phrases
1976 task force Ability to evaluate Accounting Office analysis APPENDIX areas BANK EXAMINATION PROCESS bank holding companies bank management bank officials bank regulators bank regulatory agencies bank supervision bank's condition bank's financial condition bank's position bankers banks to solve basis to judge Board capital adequacy cease and desist Check commercial bank examiners commercial examinations Comptroller Comptroller's examiners Congress desist orders developed directors effective exam examination reports extensions of credit FDIC Federal Deposit Insurance Federal examination Federal Financial Institutions Federal Reserve Act Federal Reserve System financial ratios form FFIEC 003 formal actions functions GAO's holding companies improve ineffective Influencing banks insider loan internal controls management weaknesses memoranda of understanding modified scope examinations NBSS onsite examinations peer group percent pertaining specifically policies and procedures questionnaire recommendations to banks reporting requirements sample section 22(g special attention banks staff supervisory agencies surveillance systems SURVEY OF COMMERCIAL tions Title IX
Popular passages
Page 39 - ... or has committed or engaged in any act, omission, or practice which constitutes a breach of his fiduciary duty as such director or officer, and the Board determines that the bank has suffered or will probably suffer substantial financial loss or other damage...
Page 76 - GAO comments supplementing those in the report text appear at the end of this appendix. o Comptroller of the Currency Administrator of National Banks Washington, DC 20219 June 16, 1998 Mr.
Page 19 - Tanking statutes and we have read the the replies of the Comptroller of the Currency, the Chairman of the Board of Governors of the Federal Reserve System and the Chairman of the Federal Deposit Insurance Corporation to your requests for their views on the same questions you have asked us.
Page 72 - VIII of the Financial Institutions Regulatory and Interest Rate Control Act of 1978 (FIRA) (Pub.
Page 5 - The supervisory agencies' success in getting bank problems corrected depends largely on how willing and cooperative bank managers are to change those practices and policies which caused the problems. Those banks which are receptive to the agencies' identification of problems and suggestions for solving them stand a better chance of correcting their problems sooner. Therefore, movement off the problem list results from the banks' as well as the agencies
Page 39 - ... violation or practice or breach of fiduciary duty is one involving personal dishonesty on the part of such director or officer, or one which demonstrates a willful or continuing disregard for the safety or soundness of the bank...
Page 1 - To reorganize and consolidate certain functions of the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation and the Federal Reserve System...
Page 3 - Examines and supervises federally insured state-chartered banks that are not members of the Federal Reserve System for violation of laws prohibiting discrimination in credit transactions on the basis of sex or marital status.