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Supervisory Insights

Winter 2012 Vol. 9, Issue 2 - Table of Contents

Last Updated: May 8, 2023

Supervisory Insights - Winter 2012 - PDF

Letter from the Director


Mobile Payments: An Evolving Landscape

Mobile payments have the potential to significantly change how consumers pay for goods and services. As is the case with any new banking product or service, the use of mobile payments challenges banks to deploy the product effectively and in a way that complies with existing laws and regulations. This article describes the mobile payments marketplace and examines critical issues, including the adequacy of legal protections and disclosures received by consumers.

High-Yield Checking Accounts: Know the Rules

To attract depositors, banks may offer high-yield checking accounts. However, the promotions associated with these accounts could be misleading or inaccurate. This article reviews the features of high-yield checking accounts and the problematic disclosures that may accompany their promotion. The article also highlights examination best practices that can help ensure a bank is providing customers with clear and unambiguous account information.

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
Doreen R. Eberley, Senior Deputy Director
Michael J. Dean, Acting Deputy Director
James C. Watkins, Senior Deputy Director

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

Regional Directors
Thomas J. Dujenski, 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

Shannon M. Beattie
Financial Writer

Paul S. Vigil
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.