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FIL-86-95 Attachment

[Federal Register: December 6, 1995 (Volume 60, Number 234)]

[Proposed Rules]

[Page 62345-62349]

From the Federal Register Online via GPO Access [wais.access.gpo.gov]



 

========================================================================

Proposed Rules

Federal Register

________________________________________________________________________


 

This section of the FEDERAL REGISTER contains notices to the public of

the proposed issuance of rules and regulations. The purpose of these

notices is to give interested persons an opportunity to participate in

the rule making prior to the adoption of the final rules.


 

========================================================================




 

[[Page 62345]]



 

FEDERAL DEPOSIT INSURANCE CORPORATION


 

12 CFR Chapter III


 

 

Review of Regulations and Written Policies


 

AGENCY: Federal Deposit Insurance Corporation.


 

ACTION: Notice of opportunity for comment.


 

-----------------------------------------------------------------------


 

SUMMARY: The Federal Deposit Insurance Corporation (FDIC) is conducting

a systematic review of each its regulations and written policies.

Section 303(a) of the Riegle Community Development and Regulatory

Improvement Act of 1994 (CDRI) requires the federal banking agencies to

identify and revise regulations and written policies that may be

inefficient, cause unnecessary burden or contain outmoded, duplicative

or inconsistent provisions; and to work jointly to make uniform all

regulations and policies that implement common statutory or regulatory

schemes. As part of this systematic review, the FDIC is seeking public

comment to identify ways in which its regulation and written policies

can be streamlined and made uniform with the other banking agencies.

Comments and suggestions should be as specific as possible, citing the

particular part of the regulation or policy statement recommended for

revision or recission, and, if a revision is recommended, stating

specifically the revision proposed. The FDIC already has undertaken

various measures since the passage of section 303 to streamline its

regulations and policies, as well as to work jointly with the other

federal banking agencies to make uniform regulations and guidelines

implementing common statutory and supervisory policies.


 

DATES: The FDIC anticipates that many of the reviews will result in the

publication of proposals to revise specific regulations and statements

of policy, with dates for comments identified at the time of

publication. While comments may be submitted at any time through the

due dates identified when those proposals are published, the FDIC urges

interested parties to submit comments as soon as possible. Those

submitted before the tentatively scheduled completion dates for the

reviews, as displayed in the schedule at the end of this document are

more likely to be considered during the early stages of the development

of recommendations.


 

ADDRESSES: Written comments should be addressed to the Office of the

Executive Secretary, FDIC, 550 17th Street, NW, Washington, D.C. 20429.

Comments may be hand delivered to Room F-402, 1776 F Street, N.W.,

Washington, D.C. 20439, on business days between 8:30 a.m. and 5:00

p.m. Comments may be sent fax to: (202) 898-3838 or by the Internet to:

comments@fdic.gov. Comments will be available for inspection at the

FDIC's Reading Room, Room 7118, 550 17th Street, N.W., Washington, D.C.

between 9:00 a.m. and 4:30 p.m. on business days. All comments should

reference CDRI section 303, and identify the regulation or policy

statement which they concern.


 

FOR FURTHER INFORMATION CONTACT: Steven F. Hanft, Assistant Executive

Secretary (Administration), Office of the Executive Secretary, (202)

898-3907; or Judith Bailey, Counsel, Legal Division (202) 898-6955;

Federal Deposit Insurance Corporation, 550 17th Street, NW.,

Washington, D.C. 20429.


 

SUPPLEMENTARY INFORMATION: The FDIC is conducting a systematic review

of its regulations and written policies. Section 303(a) of the CDRI (12

U.S.C. 4803(a)) requires that each federal banking agency shall,

consistent with the principles of safety and soundness, statutory law

and policy, and the public interest:

(1) Conduct a review of the regulations and written policies of

that agency to--

(A) streamline and modify those regulations and policies in order

to improve efficiency, reduce unnecessary costs, and eliminate

unwarranted constraints on credit availability;

(B) remove inconsistencies and outmoded and duplicative

requirements; and

(C) with respect to regulations prescribed pursuant to section

18(o) of the Federal Deposit Insurance Act (12 U.S.C. 1828(o), (real

estate lending standards), consider the impact that such standards have

on the availability of credit for small business, residential, and

agricultural purposes, and on low-and moderate-income communities;

(2) work jointly with the Federal banking agencies to make uniform

all regulations and guidelines implementing common statutory or

supervisory policies; and

(3) submit a joint report to Congress at the end of such 2-year

period detailing the progress of the agencies in carrying out this

subsection.

Thus, there are two parts to the review required by section 303(a).

First, the FDIC, like the other federal banking agencies, must review

and streamline all its regulations and written policies to improve

efficiency, to remove unnecessary costs and burdens, and to eliminate

inconsistent, outmoded or duplicative provisions. Second, the FDIC is

required to work with the other banking agencies to make uniform those

regulations and guidelines that implement common statutory or

supervisory policies. The federal banking agencies must report to

Congress detailing the progress they have made in both the streamlining

and uniformity reviews by September 23, 1996. To date, the FDIC has

received some comments and uniformity reviews by September 23, 1996. To

date, the FDIC has received some comments and suggestions for

regulatory reform from interested parties, but the FDIC would like to

encourage wider public involvement.

The FDIC has place a high proirity on regulatory review. In

testimony on May 18, 1995 before the Subcommittee on Financial

Institutions and Consumer Credit of the Committee on Banking and

Financial Services of the U.S. House of Representatives, Chairman

Helfer stated that the FDIC would test regulations against specific

criteria:


 

(1) Whether the regulations are necessary to ensure a safe and

sound banking system, (2) whether the regulations enhance the

functioning of the marketplace, or (3) whether the regulations can

be justified on strong public grounds related to consumer

protection.


 

The FDIC is devoting considerable resources to regulatory review.

The FDIC has assembled staff teams to review each of its regulations

and policy statements, and those teams already


 

[[Page 62346]]

have begun this reviews. Further, FDIC staff is coordinating with staff

of the other federal banking agencies to review common regulations,

written policies and guidelines, with the goal of working toward

uniformity. A schedule for reviewing FDIC regulations and policy

statements appears at the end of this notice.

The FDIC seeks to impose the least intrusive and least burdensome

regulations possible while affording maximum flexibility in

implementing its statutory mandates. This approach is evident in recent

changes to assessment regulation (12 CFR Part 327) which automate the

assessment process and permit insured institutions to take advantage of

a more flexible payment schedule, and to the FDIC's regulations on real

estate appraisals (12 CFR Part 323), which reduce costs and encourage

lending by decreasing the number of loans requiring an appraisal.

This approach is also manifested in the implementation of various

provisions of FDICIA in which the FDIC has adopted minimal regulations

together with flexible guidelines, such as the audit regulations (12

CFR Part 363), standards for safety and soundness (12 CFR Part 364),

and real estate lending standards (12 CFR Part 365). Further, the FDIC

is reducing regulatory burden by linking supervision more closely to

risk with the risk-based insurance program, whereby well-capitalized

and well-managed institutions are charged considerably less for deposit

insurance than institutions that are undercapitalized and exhibit

weakness.

The FDIC's is mindful that regulatory burden also may be associated

with examination and supervisory process, and is therefore

investigating and introducing less intrusive examination techniques.

The FDIC has reduced total hours per examination by 10% through pre-

examination planning doing more of the examination work off-site in

FDIC field offices coordinating examinations with sate and other

federal regulators to eliminate supervisory overlap and to extend the

examination cycle when appropriate, and increasing examination

efficiency through automation of the examination process. The FDIC is

beginning to develop an automated loan review program that will reduce

the number of specialized loan reports requested by examiners.

The FDIC is also seeking additional reductions by surveying bankers

to determine what the industry feels is burdensome about the

examination process; and by investigating the use of Internet to permit

electronic submission of applications, and to make available to the

public supervisory materials such as Financial Institution Letters,

examination manuals, and the rules and regulations of the FDIC. The

FDIC has already established procedures for using the Internet to

comment on proposed rules and regulations. Additional regulatory

revisions that are complete or well underway include:

Final revisions to the FDIC's regulations implementing the

Community Reinvestment Act (12 CFR Part 345) have been approved by the

FDIC Board of Directors and were published on May 4, 1995 (60 FR

22156), providing more objective, performance-based assessment

standards that minimize the burden of compliance while improving

performance. The revised regulation provides alternative examination

methods for different sizes and types of institutions, and emphasizes

results rather than paperwork and procedure.

A notice of proposed rulemaking to streamline and clarify

the flood insurance provisions in the FDIC's regulations on ``Loans in

Areas having Special Flood Hazards'' (12 CFR Part 339) was published on

October 18, 1995 (60 FR 53962), with comments due December 17, 1995.

The proposed changes to this regulation would clarify its terms and

standardize recordkeeping and reporting requirements among all insured

institutions.

A notice of proposed rulemaking to simplify the reporting

of suspected criminal activity, ``Reports of Apparent Crimes'' (12 CFR

Part 353), was published on September 14, 1995, with a comment period

that closed November 13, 1995 (60 FR 47719).

A notice of proposed rulemaking on revisions to

``Disclosure of Information'' (12 CFR Part 309) was published on July

6, 1995 (60 FR 35148) with a comment period that closed September 9,

1995. The proposed revisions would make it easier for the public to

obtain information from the FDIC.

As it continues with its regulatory review, the FDIC would like to

provide an opportunity for the earliest possible participation by

consumers, banking industry representatives, and the general public,

before notices of proposed rulemaking and proposed revisions to policy

statements are published by the FDIC Board as part of a notice-and-

comment process. To that end the FDIC is encouraging the public to

provide suggestions early in the review cycle to assist in the

development of specific regulatory proposals. It is anticipated that,

in many cases specific recommendations for modifying the FDIC's

regulations and policies will be brought before the FDIC's Board of

Directors as a result of the reviews. Those recommendations, if adopted

by the FDIC's Board, will be published as formal proposals for comment.

Comments provided at this early stage, however, will permit the

formulation of improved proposals for consideration by the FDIC's Board

of Directors. The request for comments at this early stage is thus

separate from, and in addition to, any future opportunity for comment

on specific proposed revisions to individual regulations and policies

that may result from the work of the reviewing teams.

Comments should be submitted on regulations and written

policies that are unique to the FDIC as well as those that are in

common with the other federal banking agencies.

Comments should focus on and cite particular provisions or

language, and provide particular reasons why such provisions are

burdensome, inefficient or outmoded.

Comments should cite particular provisions or language

that should be revised or eliminated and, where possible or

appropriate, suggest alternative provisions or language.

If the implementation of a comment would require modifying

the statutes that underlie a regulation or policy, the comment should,

if possible, identify the needed statutory change.

Existing FDIC regulations are found in chapter XXII of title 5 and

chapter III of title 12 of the Code of Federal Regulations. FDIC

Statements of Policy are compiled in 2 FDIC Law, Regulations, Related

Acts (FDIC), 5001-5412. As noted above, the FDIC anticipated that many

of the reviews will result in the publication of proposals to revise

specific regulations and statements of policy, with due dates for

comments identified at the time of publication. While comments may be

submitted at any time through the due dates identified when those

proposals are published, the FDIC urges interested parties to submit

comments as soon as possible. Those submitted before the tentatively

scheduled completion dates for the reviews, as displayed in the

schedule below, are more likely to be considered during the early

stages of the development of recommendations. It is hoped that, by

providing this schedule, commenters will have the ability to address

significant regulatory issues in an orderly and focused fashion. Page

numbers in the schedule refer to the location of policy statements in

the FDIC's looseleaf service known as FDIC Law, Regulations, Related

Acts.


 

Tentative Schedule for Reviewing Regulations and Statements of Policy

of the FDIC Under Section 303(a) of CDRI


 

 


 

[[Page 62347]]

FDIC.--Tentative Schedule of Regulatory Reviews Under Section 303

----------------------------------------------------------------------------------------------------------------

Part/page No. Regulation/statement of policy Target date

----------------------------------------------------------------------------------------------------------------

Page No. 5241................... Joint Policy Statement on Delayed 2nd Quarter 1995.

Availability of Funds.

Page No. 5271................... Joint Policy Statement on Basic 2nd Quarter 1995.

Financial Services.

310............................. Privacy Act Regulations................. 3rd Quarter 1995.

339............................. Loans in Areas Having Special Flood 4th Quarter 1995.

Hazards.

Page No. 5411................... Statement of Policy Regarding Treatment 4th Quarter 1995.

of Collateralized Letters of Credit

After Appointment of the Federal

Deposit Insurance Corporation as

Conservator or Receiver.

309............................. Disclosure of Information............... 4th Quarter 1995.

307............................. Notification of Changes of Insured 4th Quarter 1995.

Status.

308............................. Rules of Practice and Procedure......... 4th Quarter 1995.

323............................. Appraisals.............................. 4th Quarter 1995.

324............................. Agricultural Loan Loss Amortization..... 4th Quarter 1995.

326............................. Minimum Security Devices and Procedures 4th Quarter 1995.

and Bank Secrecy Act Compliance.

328............................. Advertisement of Membership............. 4th Quarter 1995.

333............................. Extension of Corporate Powers........... 4th Quarter 1995.

335............................. Securities of Nonmember Insured Banks... 4th Quarter 1995.

344............................. Recordkeeping and Confirmation 4th Quarter 1995.

Requirements for Securities

Transactions.

353............................. Reports of Apparent Crimes Affecting 4th Quarter 1995.

Insured Nonmember Banks.

363............................. Annual Independent Audits and Reporting 4th Quarter 1995.

Requirements.

Page No. 5061................... Offering Circular Requirements for 4th Quarter 1995.

Public Issuance of Bank Securities;

Statement of Policy Regarding Use of

Offering Circulars in Connection with

Public Distribution of Bank Securities.

Page No. 5073................... Federal Financial Institutions 4th Quarter 1995.

Examination Council Policy Statement--

Disclosure of Statutory Enforcement

Actions.

Page No. 5145................... FDIC Statement of Policy; Bank Merger 4th Quarter 1995.

Transactions.

Page No. 5209................... Interagency Policy Statement Regarding 4th Quarter 1995.

Advertising of NOW Accounts.

Page No. 5225................... FDIC Statement of Policy on the 4th Quarter 1995.

Applicability of the Glass-Steagall Act

to Securities Activities of

Subsidiaries of Insured Nonmember Banks.

Page No. 5259................... Justice Department Policy on Bank 4th Quarter 1995.

Bribery Prosecution.

Page No. 5277................... Guidelines for Monitoring Bank Secrecy 4th Quarter 1995.

Act Compliance.

Page No. 5289................... Guidelines for Compliance with the 4th Quarter 1995.

Federal Bank Bribery Law.

Page No. 5305................... Interagency Policy on Contingency 4th Quarter 1995.

Planning for Financial Institutions.

Page No. 5317................... FFIEC Supervisory Policy on Large-Scale 4th Quarter 1995.

Integrated Financial Software System

(LSIS).

Page No. 5321................... Risks and Controls in End-User Computing 4th Quarter 1995.

Page No. 5325................... Interagency Statement on EDP Service 4th Quarter 1995.

Contracts.

Page No. 5345................... FFIEC EDP Interagency Examination, 4th Quarter 1995.

Scheduling and Distribution Policy.

Page No. 5371................... Policy Statement to Address the Problem 4th Quarter 1995.

of the Use of Large-Value Funds

Transfers for Money Laundering.

Page No. 5395................... Statement of Policy on Alternative 4th Quarter 1995.

Dispute Resolution.

342............................. Applications for a Stay or Review of 1st Quarter 1996.

Actions of Bank Clearing Agencies.

Page No. 5235................... FDIC Statement of Policy on Assistance 1st Quarter 1996.

to Operating Insured Depository

Institutions.

304............................. Forms, Instructions, and Reports........ 1st Quarter 1996.

Page No. 5039................... Time Limits for Filing Reports of 1st Quarter 1996.

Condition.

343............................. Insured State Nonmember Banks which are 1st Quarter 1996.

Municipal Securities Dealers.

Page No. 5029................... Insured State Nonmember Banks--Statement 1st Quarter 1996.

of Policy and Guidelines for

Investments in ``Leeway Securities''.

311............................. Rules Governing Public Observation of 1st Quarter 1996.

Meetings of the Corporation's Board of

Directors.

329............................. Interest on Deposits.................... 1st Quarter 1996.

348............................. Management Official Interlocks.......... 1st Quarter 1996.

Page No. 5053................... Changes in Control in Insured Nonmember 1st Quarter 1996.

Banks.

Page No. 5065................... Federal Financial Institutions 1st Quarter 1996.

Examination Council on Behalf of its

Constituent Agencies--Joint Notice of

Policy Statement on Discrimination.

Page No. 5113................... FDIC Statement of Policy on Qualified 1st Quarter 1996.

Financial Contracts.

Page No. 5195................... Joint Notice of Adoption of Standard 1st Quarter 1996.

Descriptive Terms to be used in

Competitive Factor Reports Prepared

Pursuant to the Bank Merger Act (12

U.S.C. 1828(c)).

Page No. 5275................... Guidelines for Implementing a Policy of 1st Quarter 1996.

Capital Forbearance.

Page No. 5329................... Policy Statement on Encouragement and 1st Quarter 1996.

Preservation of Minority Ownership of

Financial Institutions.

Page No. 5331................... FDIC Statement of Policy Regarding the 1st Quarter 1996.

Payment of State and Local Property

Taxes.

Page No. 5335................... Statement of Policy Regarding Treatment 1st Quarter 1996.

of Collateralized Put Obligations After

Appointment of the Federal Deposit

Insurance Corporation as Conservator or

Receiver.

Page No. 5369................... Statement Concerning the 1st Quarter 1996.

Responsibilities of Bank Directors and

Officers.

Page No. 5373................... Interagency Policy Statement on 1st Quarter 1996.

Documentation for Loans to Small- and

Medium-sized Businesses and Farms.

Page No. 5377................... Statement of Policy Regarding Treatment 1st Quarter 1996.

of Security Interests After Appointment

of the Federal Deposit Insurance

Corporation as Conservator or Receiver.

Page No. 5381................... Statement of Policy on Contracting With 1st Quarter 1996.

Outside Firms.

Page No. 5387................... Interagency Guidance on Accounting for 1st Quarter 1996.

Dispositions of Other Real Estate Owned.

Page No. 5391................... Policy Statement of Board of Governors 1st Quarter 1996.

of the Federal Reserve System, Office

of the Comptroller of the Currency,

Federal Deposit Insurance Corporation,

and Office of Thrift Supervision

Concerning Branch Closing Notices and

Policies.

12 CFR 337.6.................... Brokered Deposits....................... 1st Quarter 1996.

5 CFR 3201...................... Supplemental Standards of Conduct for 2nd Quarter 1996.

Employees of the FDIC.

341............................. Registration of Securities Transfer 2nd Quarter 1996.

Agents.


 

[[Page 62348]]

 

Page No. 5175................... National Historic Preservation Act of 2nd Quarter 1996.

1966.

Page No. 5043................... Improper and Illegal Payments by Banks 2nd Quarter 1996.

and Bank Holding Companies.

337............................. Unsafe and Unsound Banking Practices.... 2nd Quarter 1996.

346............................. Foreign Banks........................... 2nd Quarter 1996.

347............................. Foreign Activities of Insured State 2nd Quarter 1996.

Nonmember Banks.

349............................. Reports and Public Disclosure of 2nd Quarter 1996.

Indebtedness of Executive Officers and

Principal Shareholders to a State

Nonmember Bank and its Correspondent

Banks.

360............................. Receivership Rules...................... 2nd Quarter 1996.

362............................. Activities and Investments of Insured 2nd Quarter 1996.

State Banks.

Page No. 5031................... Applications, Legal Fees, and Other 2nd Quarter 1996.

Expenses.

Page No. 5041................... Consent to Service of Persons Convicted 2nd Quarter 1996.

of Offenses Involving Dishonesty or a

Breach of Trust as Directors, Officers

or Employees of Insured Banks.

Page No. 5075................... Interagency Coordination of Formal 2nd Quarter 1996.

Corrective Action by the Federal Bank

Regulatory Agencies.

Page No. 5077................... Interagency Coordination of Bank Holding 2nd Quarter 1996.

Company Inspections and Subsidiary Bank

Examinations.

Page No. 5079................... Uniform Financial Institutions Rating 2nd Quarter 1996.

System.

Page No. 5081................... Uniform Policy for Classification of 2nd Quarter 1996.

Consumer Installment Credit Based on

Delinquency Status.

Page No. 5105................... Applications to Establish a Domestic 2nd Quarter 1996.

Branch (includes Remote Service

Facilities).

Page No. 5125................... Applications to Relocate Main Office or 2nd Quarter 1996.

Branch (includes Remote Service

Facilities).

Page No. 5155................... Applications Under Section 19 of the 2nd Quarter 1996.

Federal Deposit Insurance Act.

Page No. 5185................... National Environmental Policy Act of 2nd Quarter 1996.

1969.

Page No. 5201................... Interagency Policy Regarding the 2nd Quarter 1996.

Assessment of Civil Money Penalties by

the Federal Financial Institutions

Regulatory Agencies.

Page No. 5217................... FDIC Statement of Policy on Retail 2nd Quarter 1996.

Repurchase Agreements.

Page No. 5237................... Statement Regarding Eligibility to Make 2nd Quarter 1996.

Application to Become an Insured Bank

Under Section 5 of the Federal Deposit

Insurance Act.

Page No. 5249................... Federal Financial Institutions 2nd Quarter 1996.

Examination Council Supervisory Policy--

Securities Lending.

Page No. 5257................... Federal Financial Institutions 2nd Quarter 1996.

Examination Council Supervisory Policy--

The Sale of U.S. Government Guaranteed

Loans and Sale Premiums.

Page No. 5265................... Federal Financial Institutions 2nd Quarter 1996.

Examination Council Supervisory Policy--

Repurchase Agreements of Depository

Institutions With Securities Dealers

and Others.

Page No. 5299................... Statement of Policy Regarding 2nd Quarter 1996.

Independent External Auditing Programs

of State Nonmember Banks.

Page No. 5349................... Applications for Deposit Insurance...... 2nd Quarter 1996.

Page No. 5057................... Development and Review of FDIC Rules and 3rd Quarter 1996.

Regulations.

Page No. 5035................... Gold.................................... 3rd Quarter 1996.

5 CFR 3202...................... Financial Disclosure Requirements for 3rd Quarter 1996.

Employees of the FDIC.

303............................. Applications, Requests, Submittals, 3rd Quarter 1996.

Delegations of Authority, and Notices

Required to be Filed by Statute or

Regulation.

325............................. Capital Maintenance..................... 3rd Quarter 1996.

Page No. 5067................... Statement of Policy Concerning Interest 3rd Quarter 1996.

Rate Futures Contracts, Forward

Contracts and Standby Contracts.

Page No. 5197................... Uniform Guideline on Internal Control 3rd Quarter 1996.

for Foreign Exchange Activities in

Commercial Banks.

Page No. 5293................... Supervisory Policy Statement on 3rd Quarter 1996.

Securities Activities.

Page No. 5327................... Statement of Policy Regarding Liability 3rd Quarter 1996.

of Commonly Controlled Depository

Institutions.

327............................. Assessments............................. 4th Quarter 1996.

338............................. Fair Housing............................ 4th Quarter 1996.

Page No. 5049................... Administrative Enforcement of the Truth 4th Quarter 1996.

in Lending Act--Restitution.

Page No. 5221................... Equal Credit Opportunity and Fair 4th Quarter 1996.

Housing Acts Enforcement Policy

Statement.

Page No. 5303................... Federal Financial Institutions 4th Quarter 1996.

Examination Council Statement on the

Home Mortgage Disclosure Act.

Page No. 5337................... FFIEC Policy Statement Prescreening by 4th Quarter 1996.

Financial Institutions and the Fair

Credit Reporting Act.

Page No. 5397................... Policy Statement on Discrimination in 4th Quarter 1996.

Lending.

330............................. Deposit Insurance Coverage.............. 4th Quarter 1996.

350............................. Disclosure of Financial and Other 4th Quarter 1996.

Information by FDIC-Insured State

Nonmember Banks.

351............................. International Operations................ 4th Quarter 1996.

365............................. Real Estate Lending Standards........... 4th Quarter 1996.

Page No. 5045................... Income Tax Remittance by Banks to 4th Quarter 1996.

Holding Company Affiliates.

Page No. 5063................... Statement of Policy on Supervision of 4th Quarter 1996.

U.S. Branches and Agencies of Foreign

Banks.

Page No. 5213................... Uniform Interagency Consumer Compliance 4th Quarter 1996.

Rating System.

Page No. 5302.01................ Statement of Policy Providing Guidance 4th Quarter 1996.

on External Auditing Procedures for

State Nonmember Banks.

Page No. 5359................... Statement of Policy on Foreclosure 4th Quarter 1996.

Consent and Redemption Rights.

Page No. 5367................... Interagency Policy Statement on 4th Quarter 1996.

Coordination and Communication Between

External Auditors and Examiners.

Page No. 5165................... Policy Statement on Community 3rd Quarter 1997.

Reinvestment Act.

Page No. 5205................... Community Reinvestment Act Information 3rd Quarter 1997.

Statement.

Page No. 5227................... Revised Uniform Interagency Community 3rd Quarter 1997.

Reinvestment Act Assessment Rating

System.

Page No. 5309................... Statement of the Federal Financial 3rd Quarter 1997.

Supervisory Agencies Regarding the

Community Reinvestment Act.

Page No. 5339................... Federal Financial Institutions 3rd Quarter 1997.

Examination Council Community

Reinvestment Act Policy Statement on

Analyses of Geographic Distribution of

Lending.

----------------------------------------------------------------------------------------------------------------



 

 

[[Page 62349]]


 

Dated: November 28, 1995.


 

Federal Deposit Insurance Corporation.

Jerry L. Langley,

Executive Secretary.

[FR Doc. 95-29541 Filed 12-5-95; 8:45 am]

BILLING CODE 6714-01-M

Last Updated: March 24, 2024