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FORGET YOUR PASSWORD? Editor: Lucy H. Griffin Board of Advisors: John S. Byrne, Esq. Robert P. Chamness Cliff E. Cook Phillips G. Gay, Jr. Barbara Hurst Richard Insley Michael D. Maher Robert G. Rowe, III Andy Zavoina |  |
Volume 9, Number 1 This issue went to press on February 27, 2004. Table of Contents CRA: How Not to Change a Regulation (5 Action Steps) The proposal is out. It may look innocuous - at first glance. But look again, carefully. The agencies received approximately 400 comments to the ANPR. Your comments are your vote. Preemption and Predatory Lending (4 Action Steps) The most significant thing about this regulatory proposal and action is that it has gone virtually unnoticed. The final regulation, like the proposal, contains an anti-predatory lending standard that has enormous implications for safety and soundness. Action Training: CRA Comment Letter (Suggestions) Now that the agencies have finally issued proposed revisions to the CRA regulation, it is time to stand up and be counted. Compliance Notes
Compliance is comprised of laws that remind us to be fair and to treat each customer with the respect that we want for ourselves. When we wonder why we need a CRA or an ECOA or a TILA, we only need to look back at history. Compliance Q&A
FDIC is expanding its risk-focused examinations, referred to as "Maximum Efficiency, Risk-Focused, Institution Targeted Examinations or "MERIT." 
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