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Supervisory Insights

Summer 2014 Vol. 11, Issue 1 - Table of Contents

Last Updated: April 20, 2023

Supervisory Insights - Summer 2014 - PDF

Letter from the Director


Alternatives to Consultants: Meeting Regulatory Expectations with Internal Resources

This article highlights the resources available from the FDIC that may assist community banks in understanding and meeting regulatory expectations, and identifies ways banks may be able to conduct required independent reviews of key bank functions using internal resources. By making use of the available resources and maintaining open communication with the FDIC to clarify regulatory expectations, banks may be able to avoid potentially unnecessary consultant expenses.

Supervisory Trends: “Matters Requiring Board Attention” Highlight Evolving Risks in Banking

The Matters Requiring Board Attention (MRBA) page within the Risk Management Report of Examination is used to focus the attention of management and the directorate on material issues and recommendations requiring immediate consideration. This article describes the MRBA categories cited most often at satisfactorily rated institutions and highlights trends in these categories since 2010.

Regular Features

Regulatory and Supervisory Roundup

This feature provides an overview of recently released regulations and other items of interest.

Supervisory Insights

Supervisory Insights is published by the Division of Supervision and Consumer Protection of the Federal Deposit Insurance Corporation to promote sound principles and best practices for bank supervision.

Martin J. Gruenberg
Chairman, FDIC

Doreen R. Eberley
Director, Division of Risk Management Supervision

Journal Executive Board

Division of Risk Management Supervision
George E. French, Deputy Director and Executive Editor
James C. Watkins, Senior Deputy Director
Robert L. Burns, Deputy Director
Melinda West, Deputy Director

Division of Depositor and Consumer Protection
Sylvia H. Plunkett, Senior Deputy Director
Jonathan N. Miller, Deputy Director

Regional Directors
Michael J. Dean, Acting Regional Director, Atlanta Region
Kristie K. Elmquist, Dallas Region
Stan R. Ivie, San Francisco Region
James D. LaPierre, Kansas City Region
M. Anthony Lowe, Chicago Region
John F. Vogel, New York Region

Journal Staff

Kim E. Lowry
Managing Editor

Daniel P. Bergman
Financial Writer

Jeffrey A. Fahrmann
Financial Writer

Supervisory Insights is available online by visiting the FDIC’s website at To provide comments or suggestions for future articles, to request permission to reprint individual articles, or to request print copies, send an e-mail to

The views expressed in Supervisory Insights are those of the authors and do not necessarily reflect official positions of the Federal Deposit Insurance Corporation. In particular, articles should not be construed as definitive regulatory or supervisory guidance. Some of the information used in the preparation of this publication was obtained from publicly available sources that are considered reliable. However, the use of this information does not constitute an endorsement of its accuracy by the Federal Deposit Insurance Corporation.