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Supervisory Insights - Summer 2010

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Issue at a Glance
Letter from the Director
Loss-Sharing Agreements
From the Examiner's Desk
Regulatory and Supervisory Roundup
Credits

Issue at a Glance
Volume 7, Issue 1 Summer 2010

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Letter from the Director

Articles

FDIC Loss-Sharing Agreements: A Primer
As the current banking crisis evolved, the FDIC increasingly has used an indemnification structure known as a loss-sharing agreement (LSA). LSAs are viewed favorably from a supervisory perspective as they can significantly reduce loss exposure for an acquirer of failed bank assets. This article discusses key supervisory considerations for LSAs, including a summary of loss-sharing structures, an overview of examination procedures for reviewing assets covered by LSAs, important accounting issues, and guidelines for establishing adverse classifications.

Regular Features

From the Examiner’s Desk:
Amendments to Regulation Z: Compliance Challenges for Bankers and Examiners

The enactment of the Credit Card Accountability Responsibility and Disclosure Act of 2009 and amendments to Regulation Z have strengthened protections for consumers under open-end credit plans. This article identifies key changes facing the banking industry and offers suggestions for how examiners may approach the evaluation of a bank’s compliance with these changes.

Regulatory and Supervisory Roundup
This feature provides an overview of recently released regulations and supervisory guidance.





Last Updated 06/21/2010 supervisoryjournal@fdic.gov