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Oh, you mean the examiners being here Thanksgiving week and the BSA officer is on a hunting vacation, might have something to do with this????

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Only if it's a new phenomenon. But look at the bright side, Maria- waking up in the middle of the night means less chance of sleepwalking.

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Only if it's a new phenomenon. But look at the bright side, Maria- waking up in the middle of the night means less chance of sleepwalking.

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ROFLOL, Jac, I had tears in my eyes...I guess I'll never live down the German thing, eh?

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ROFLOL

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Gee elena,
Too bad you are going to bed when I am getting up, or I could call you and we could chat about the latest and greatest in compliance!

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Call away! I log on to BOL sometimes just to see who's online, and every once in a blue moon I'll find someone in the middle of the night. I logged on Sunday after Mass and was the only one online. It was creepy, so I left.

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Gee elena,
Too bad you are going to bed when I am getting up, or I could call you and we could chat about the latest and greatest in compliance!

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WHAT ARE YOU PRETENDING NOT TO KNOW?

Also, I'll second the motion that you and Elena should get together, what a pair! (with Elena spending the most time on the BOL Couch or in the Watercooler)

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Gee Ray, I thought you weren't the "couch" type. Don't lurk if you don't like it!

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You spend way too much time on the Couch and in the Watercooler, in fact, you are one of the three most prolific posters to those forums during working hours, according to my analysis. Of course, Elena is right up there with you,

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Gee anon, that was really helpful. I wonder what I'd do without your superior insight?
However, having just got an Outstanding on my compliance examination, I can't help but inform you that your diagnosis must be incorrect. Perhaps I can just do more than one thing at a time.

It's no wonder that malpractice insurance is so high for doctors.

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I'm unaware of a regulatory entity that would give an "outstanding" rating in compliance to any financial institution. I believe the highest is "1", but the worl "outstanding" is really not part of regulatory vocabulary.

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Well it was a One (1), but he told my CEO that it was an "Outstanding" program, which was relayed to me by my CEO. And although, I don't really need to justify myself to a priggish anonymous flea-bag, I do enjoy egging you on!

Ray, Ray, go away, don't come back on any day...

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Maria: Perhaps this will help:



Or, try doing this:<"img src=http://community.the-underdogs.org/smiley/misc/roll.gif">

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you are one of the three most prolific posters to those forums during working hours, according to my analysis.

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I believe the highest is "1", but the worl "outstanding" is really not part of regulatory vocabulary.

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I believe the highest is "1", but the worl "outstanding" is really not part of regulatory vocabulary.

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If thats so I think the FFIC will be suprised to learn of it. The following is from their web site
Rating assigned at the exam.
1 = Outstanding, 2 = Satisfactory, 3 = Needs to Imporve 4= Substantial Non compliance

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I believe the highest is "1", but the worl "outstanding" is really not part of regulatory vocabulary.

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If thats so I think the FFIC will be suprised to learn of it. The following is from their web site
Rating assigned at the exam.
1 = Outstanding, 2 = Satisfactory, 3 = Needs to Imporve 4= Substantial Non compliance

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Who said it was a CRA exam? An FDIC "Compliance Exam," as originally noted is rated:

One
An institution in this category is in a strong compliance position. Management is capable of and staff is sufficient for effectuating compliance. An effective compliance program, including an efficient system of internal procedures and controls, has been established. Changes in consumer statutes and regulations are promptly reflected in the institution's policies, procedures and compliance training. The institution provides adequate training for its employees. If any violations are noted they relate to relatively minor deficiencies in forms or practices that are easily corrected. There is no evidence of discriminatory acts or practices, reimbursable violations, or practices resulting in repeat violations. Violations and deficiencies are promptly corrected by management. As a result, the institution gives no cause for supervisory concern.

Two
An institution in this category is in a generally strong compliance position. Management is capable of administering an effective compliance program. Although a system of internal operating procedures and controls has been established to ensure compliance, violations have nonetheless occurred. These violations, however, involve technical aspects of the law or result from oversight on the part of operating personnel. Modification in the bank's compliance program and/or the establishment of additional review/audit procedures may eliminate many of the violations. Compliance training is satisfactory. There is no evidence of discriminatory acts or practices, reimbursable violations, or practices resulting in repeat violations.

Three
Generally, an institution in this category is in a less than satisfactory compliance position. It is a cause for supervisory concern and requires more than normal supervision to remedy deficiencies. Violations may be numerous. In addition, previously identified practices resulting in violations may remain uncorrected. Overcharges, if present, involve a few consumers and are minimal in amount. There is no evidence of discriminatory acts or practices. Although management may have the ability to effectuate compliance, increased efforts are necessary. The numerous violations discovered are an indication that management has not devoted sufficient time and attention to consumer compliance. Operating procedures and controls have not proven effective and require strengthening. This may be accomplished by, among other things, designating a compliance officer and developing and implementing a comprehensive and effective compliance program. By identifying an institution with marginal compliance early, additional supervisory measures may be employed to eliminate violations and prevent further deterioration in the institution's less-than-satisfactory compliance position.

I don't see the word outstanding noted, do you? Perhaps the "FFIC," as you originally noted has a different system, maybe in another country.

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Don't you have something more productive to do with your time than give us grief? Yeah, I know, don't I have something better to do than hang out on the Couch or at the Watercooler? I do other work while I check in and out. What's your excuse?

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Don't you have something more productive to do with your time than give us grief? Yeah, I know, don't I have something better to do than hang out on the Couch or at the Watercooler? I do other work while I check in and out. What's your excuse?

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Give you grief? I'm trying to get you off the couch and away from the watercooler, so that you can get your work done and look at new projects as I assume that someone is paying you, correct?

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As for my time, is it not great that I'm willing to share all this insight? Someone has to help out the little people, right? In your case, think about not responding and perhaps I'll go away

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