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Each depositor insured to at least $250,000 per insured bank

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Supervisory Insights - Summer 2011

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Letter from the Director
Managing Risks in Third-Party Payment Processor Relationships
From the Examiner's Desk
Regulatory and Supervisory Roundup

Issue at a Glance
Volume 8, Issue 1 Summer 2011
Printable - PDF 1.3mb (PDF Help)

Letter from the Director


Managing Risks in Third-Party Payment Processor Relationships
An increasing number of financial institutions are entering deposit relationships with third-party payment processors that effect payment transactions for merchant clients. This activity can expose institutions to risks not present in other commercial customer relationships. This article explains the role of third-party payment processors, identifies warning signs that may indicate heightened risk in a payment processor relationship, and discusses the controls that should be in place to manage this risk. (Revised July 2014)

Regular Features

From the Examiner’s Desk: SBA Lending: Insights for Lenders and Examiners
The FDIC encourages banks to lend to credit-worthy small businesses. The guaranty that accompanies a Small Business Administration (SBA) loan is increasingly attractive to banks looking to expand lending opportunities. Banks that wish to participate in SBA lending programs need to develop specialized expertise. This article reviews the SBA products lenders most often use and provides useful information for institutions about the technical requirements for underwriting, servicing, risk grading, liquidating and selling SBA loans. The article also provides information that may be helpful for examiners when reviewing bank SBA loan portfolios.

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

Last Updated 07/14/2014

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