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Inactive Financial Institution Letters

Supervisory Insights Journal
Summer 2006 Issue Now Available
June 30, 2006

Summary: The FDIC has announced the release of its summer 2006 issue of Supervisory Insights, a professional journal that promotes the practice of bank supervision. Topics of current focus for the bank regulatory community that are highlighted in this issue include operational risk management (ORM), disaster planning for banks, and the effectiveness of the 2004 HMDA (Home Mortgage Disclosure Act) changes. In addition, this issue includes a review of enforcement actions brought against individuals in 2005. Supervisory Insights is available on the FDIC's Web site at

  • "Operational Risk Management: An Evolving Discipline" provides an introduction to operational risk, outlines the current state of ORM, and describes different quantification approaches in this emerging field.
  • "Banks and Hurricanes: A Look Back at the Storms of 2004–2005" provides a context for bankers when reviewing their plans for maintaining operations in the event of a disaster.
  • "From the Examiner's Desk" takes a look at the impact of the 2004 HMDA reporting requirements on the examination process.
  • "Enforcement Action Against Individuals: 2005—A Year in Review" – the third in a series about the enforcement action process as it applies to individuals – summarizes enforcement actions brought against individuals during 2005, with a particular focus on losses to banks resulting from insider misconduct or fraud.
  • "Accounting News" provides an in-depth discussion of the key provisions of Financial Accounting Standards No. 123 (Revised) and its effect on banks' reported earnings and capital levels.

FDIC-Supervised Banks (Commercial and Savings)

Suggested Routing:
Chief Executive Officer
Compliance Officer

Related Topics:
Corporate Business Plans
Disaster Plans
Enforcement Actions
Home Mortgage Disclosure Act

Supervisory Insights – Summer 2006

Bobbie Jean Norris, Managing Editor, on 202-898-3685

Printable Format:
FIL-60-2006 - PDF 39k (PDF Help)

FDIC Financial Institution Letters (FILs) may be accessed from the FDIC's Web site at

To receive FILs electronically, please visit

Paper copies of FDIC financial institution letters may be obtained through the FDIC's Public Information Center (1-877-275-3342 or 703-562-2200).

Last Updated 06/30/2006

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