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Unformatted text preview: E BANK HOLDING COMPANY
FED GRANTS ONE BANK HC CHARTER ?? MULTI-BANK HOLDING COMPANY
FED GRANTS MULTI-BANK HC CHARTER BANK REGULATION BANK Three major concerns about the diversity and practice of our regulatory system: Rivalry & feuding among top regulators. FDIC insurance might encourage excessive risk. Current exams often seem to emphasize social priorities rather than safety & soundness. Federal Financial Institution Examination Council coordinates joint regulatory efforts. * BANK REGULATION (CONT.) BANK National Banks Regulated by the Office of the Comptroller of the Regulated Currency. Automatically a member of Federal Reserve Bank State Banks (Non-Fed Member) Regulated by the State Banking Authorities and the Regulated Federal Deposit Insurance Corporation Federal Not a member of Federal Reserve Bank State Banks (Federal Reserve Bank State Member) Member) Regulated by the State Banking Authorities and the Regulated Federal Reserve Bank Member of the Federal Reserve Bank * EVALUATION FACTORS IN A BAN...
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- Fall '10