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Inactive Financial Institution Letters

Supervisory Insights Journal
Summer 2009 Issue Now Available
June 16, 2009

Summary: The Summer 2009 issue of Supervisory Insights features articles of critical interest to examiners, bankers and supervisors, including a chronology of the unprecedented financial developments of 2008 and a discussion of how these events may affect the future focus of bank supervision; an overview of new requirements mandated by amendments to Regulation Z and the Home Ownership and Equity Protection Act; and a discussion of risks and appropriate risk management strategies associated with Remote Deposit Capture technology. The publication is available at


  • "A Year in Bank Supervision: 2008 and a Few of Its Lessons" is a chronology of selected major events that occurred in the financial services industry during a tumultuous 2008, with thoughts on how these events may affect supervisory focus going forward.
  • "Changes to Regulation Z Afford Increased Consumer Protections" previews new requirements included in amendments to Regulation Z (Truth-in-Lending) and the Home Ownership and Equity Protection Act that will take effect later this year and identifies useful implications for examiners and bankers.
  • "Remote Deposit Capture: A Primer" describes the growing popularity of this product, identifies the risks, and provides an overview of risk mitigation techniques.
  • Suggestions for future topics and requests for permission to reprint articles should be e-mailed to Requests for print copies should be e-mailed to

FDIC-Supervised Institutions

Suggested Routing:
Chief Executive Officer
Compliance Officer

Related Topics:
Regulation Z
Remote Deposit Capture


Kim E. Lowry, Managing Editor
( or 202-898-6635)

Printable Format:
FIL-31-2009 - PDF (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, 3501 Fairfax Drive, E-1002, Arlington, VA 22226 (1-877-275-3342 or 703-562-2200).

Last Updated 6/16/2009

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