The E-mail Banking News
(Bank Regulatory News)
December 2012

December 31, 2012 - NCUA Issues Prohibition Order - The National Credit Union Administration has issued an order prohibiting the following individual from participating in the affairs of any federally insured financial institution: www.ncua.gov/News/Pages/NW20121231ProhibitionOrder.aspx

December 28, 2012 - Consolidated Reports of Condition and Income for Fourth Quarter 2012.  www.fdic.gov/news/news/financial/2012/fil12054.html

December 27, 2012 - FDIC Makes Public November Enforcement Actions; One Administrative Hearing Scheduled for January 2013.   www.fdic.gov/news/news/press/2012/pr12150.html

December 28, 2012 - Credit and Liquidity Programs and the Balance Sheet - Recent balance sheet trends, weekly chart data update.   www.federalreserve.gov/monetarypolicy/bst_recenttrends.htm

December 28, 2012 - Transaction Data Released Quarterly - This section of the website provides detailed transaction information about discount window lending to depository institutions and open market operations. The transaction data are provided in compliance with the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, and begin after the date of the enactment of that Act www.federalreserve.gov/newsevents/reform_quarterly_transaction.htm _________________________________

December 28, 2012 - FDIC Makes Public November Enforcement Actions; One Administrative Hearing Scheduled for January 2013 - The Federal Deposit Insurance Corporation (FDIC) today released a list of orders of administrative enforcement actions taken against banks and individuals in November. One administrative hearing is scheduled for January 2013. http://www.fdic.gov/news/news/press/2012/pr12150.html

December 27, 2012 - Federal Agencies Align to Support Regional Growth - In a blog posting, the Chicago Fed’s Community Development and Policy Studies division highlights findings from the Organization for Economic Co-operation and Development report on economic issues impacting Midwest regional growth. http://cdps.chicagofedblogs.org/?p=699

December 27, 2012 - Federal Reserve Bulletin - Consumers and Debt Protection Products: Results of a New Consumer Survey.   www.federalreserve.gov/pubs/bulletin/default.htm

December 27, 2012 - Surveys and Reports - Senior Credit Officer Opinion Survey on Dealer Financing Terms.   www.federalreserve.gov/econresdata/releases/scoos.htm

December 26, 2012 - Karen Solomon to Serve as Acting Chief Counsel - Comptroller of the Currency Thomas J. Curry announced today that Karen Solomon would begin a three-month term as acting Chief Counsel on January 1 while the agency continues its search for a successor to Julie Williams. www.occ.gov/news-issuances/news-releases/2012/nr-occ-2012-180.html

December 23, 2012 - Agencies Extend Comment Period on Volcker Rule Proposal - Four federal agencies on Friday extended until February 13, 2012, the comment period on a proposal to implement the so-called Volcker Rule of the Dodd-Frank Wall Street Reform and Consumer Protection Act. www.federalreserve.gov/newsevents/press/bcreg/20111223b.htm

December 23, 2012 - Federal Reserve Board issues final notice for a two-year phase-in period for most savings and loan holding companies to file Federal Reserve regulatory reports.  www.federalreserve.gov/newsevents/press/bcreg/20111223a.htm

December 21, 2012 - Chicago Banker Roundtable Perspective on Economic Growth and Jobs - Profitwise News and Views examines actions financial institutions can take to further positively impact the Chicago region's strategy for economic growth. www.chicagofed.org/webpages/publications/profitwise_news_and_views/2012/pnv_dec2012.cfm

December 21, 2012 - Economic Activity Increased in November - The Chicago Fed National Activity Index was +0.10 in November, up from
–0.64 in October. http://chicagofed.org/digital_assets/publications/cfnai/2012/cfnai_december2012.pdf

December 21, 2012 - OCC Enforcement Actions - The Office of the Comptroller of the Currency today released new enforcement actions taken against national banks, federal savings associations, and individuals currently and formerly affiliated with national banks and federal savings associations. www.occ.gov/news-issuances/news-releases/2012/nr-occ-2012-179.html

December 21, 2012 - OCC Reports on Mortgage Performance for Third Quarter - The overall quality of first-lien mortgages serviced by large national and federal savings banks improved from the same period a year ago but declined from the prior quarter, according to a report released today by the Office of the Comptroller of the Currency www.occ.gov/news-issuances/news-releases/2012/nr-occ-2012-178.html

December 21, 2012 - St. Louis Fed Releases December Burgundy Book for:
Memphis Regional Economy  www.stlouisfed.org/newsroom/displayNews.cfm?article=1622
Little Rock Regional Economy  www.stlouisfed.org/newsroom/displayNews.cfm?article=1621
Louisville Regional Economy www.stlouisfed.org/newsroom/displayNews.cfm?article=1620
St. Louis Regional Economy www.stlouisfed.org/newsroom/displayNews.cfm?article=1619

December 21, 2012 - Community Reinvestment Act - Annual Asset-Size Threshold Adjustment - The FDIC, the Federal Reserve Board, and the Office of the Comptroller of the Currency have published the attached joint final rule amending the Community Reinvestment Act to adjust the asset-size threshold used to define "small bank" and "intermediate small bank." www.fdic.gov/news/news/financial/2012/fil12053.html

December 21, 2012 - Estimates of the Size and Source of Price Declines Due to Nearby Foreclosures - Elliot Anenberg and Edward Kung - Using a novel dataset which merges real estate listings with real estate transactions in San Francisco from 2007-2009, we present new evidence that foreclosures causally depress nearby home prices.  www.federalreserve.gov/pubs/feds/2012/201284/201284pap.pdf

December 21, 2012 - The Empirical Implications of the Interest-Rate Lower Bound - Christopher Gust, David Lopez-Salido, and Matthew E. Smith - Using Bayesian methods, we estimate a nonlinear DSGE model in which the interest-rate lower bound is occasionally binding.  www.federalreserve.gov/pubs/feds/2012/201283/201283pap.pdf 

December 21, 2012 - Financial Stress and Economic Dynamics: the transmission of crises - Kirstin Hubrich and Robert J. Tetlow - The recent financial crisis and the associated decline in economic activity have raised some important questions about economic activity and its links to the financial sector.  www.federalreserve.gov/pubs/feds/2012/201282/201282pap.pdf

December 21, 2012 - Statistical Release - Survey of Terms of Business Lending.  www.federalreserve.gov/releases/e2/current/default.htm

December 21, 2012 - Credit and Liquidity Programs and the Balance Sheet - Recent balance sheet trends, weekly chart data update.   www.federalreserve.gov/monetarypolicy/bst_recenttrends.htm
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December 20, 2012 - Chicago Banker Roundtable Perspective on Economic Growth and Jobs - Profitwise News and Views examines actions financial institutions can take to further positively impact the Chicago region's strategy for economic growth. www.chicagofed.org/webpages/publications/profitwise_news_and_views/2012/pnv_dec2012.cfm

December 20, 2012 - NCUA Sues Former Texans Credit Union CEO for “Grossly Negligent Conduct” - The National Credit Union Administration today filed suit in Federal District Court in Dallas against David Addison, former CEO of Texans Credit Union, alleging Addison breached his fiduciary duty to members and was “grossly negligent” in his management of the credit union, which is now in conservatorship. www.ncua.gov/News/Pages/NW20121220AddisonRLS.aspx 

December 20, 2012 - OCC Highlights Risks Facing National Banks and Federal Savings Associations - Key issues facing national banks and federal savings associations continue to involve the potential for banks to take excessive risk in an effort to improve profitability, revenue challenges from a slow economy and financial market volatility, and lingering effects of real estate lending. www.occ.gov/news-issuances/news-releases/2012/nr-occ-2012-177.html

December 20, 2012 - OCC Reports Third Quarter Trading Revenue of $5.3 Billion - Insured U.S. commercial banks and savings institutions reported trading revenue of $5.3 billion in the third quarter of 2012, $3.3 billion, or 166 percent higher than in the second quarter, but $3.2 billion, or 38 percent lower than in the third quarter of 2011, the Office of the Comptroller of the Currency reported today in the OCC's Quarterly Report on Bank Trading and Derivatives Activities. www.occ.gov/news-issuances/news-releases/2012/nr-occ-2012-176.html

December 20, 2012 - Statistical Release - Finance Companies.  www.federalreserve.gov/releases/g20/current/default.htm

December 20, 2012 - NCUA New Economic Update Video Highlights Moderately Improving Economy - December Installment Focuses on Implications of Federal Reserve Monetary Policy Announcement and Fiscal Cliff - The National Credit Union Administration released today the agency’s December economic update.  www.ncua.gov/News/Pages/NW20121220EconomicUpdate.aspx 

December 19, 2012 - NCUA - Nevada’s Federally Insured Credit Unions Return to NCUA’s Region V - Alignment Change Signals a Return to “Normal” and Improves NCUA Efficiency - The National Credit Union Administration today announced that supervision of Nevada’s 12 federally insured credit unions will return to the agency’s Region V office from Region I effective Jan. 1, 2013. www.ncua.gov/News/Pages/NW20121219Nevada.aspx

December 19, 2012 - Legal Interpretation - Bank Holding Company Act, March 21, 2012.   www.federalreserve.gov/bankinforeg/LegalInterpretations/bhc_changeincontrol2012.htm

December 19, 2012 - Agencies release annual CRA asset-size threshold adjustments for small and intermediate small institutions.
Press Release: www.federalreserve.gov/newsevents/press/bcreg/20121219a.htm
Press Release: www.fdic.gov/news/news/press/2012/pr12149.html
Press Release: www.occ.gov/news-issuances/news-releases/2012/nr-ia-2012-175.html

December 18, 2012 - Federal Reserve Bank of Chicago Detroit Branch Announces New Board Member - The Federal Reserve Bank of Chicago Detroit Branch today announced a new member of its board of directors, the reappointment of its current board chair, and the reappointment of two current directors. All are effective January 1, 2013. www.chicagofed.org/webpages/utilities/newsroom/news_releases/2012/12.18.detroit.director_2013_release.cfm

December 18, 2012 - FDIC Releases Community Banking Study, Supervisory Initiatives - The Federal Deposit Insurance Corporation today released the results of a study of community banking in the United States, as well as a series of supervisory and rulemaking measures relating to community banks, as the outcome of its yearlong Community Banking Initiative.  www.fdic.gov/news/news/press/2012/pr12148.html

December 18, 2012 - Federal Reserve Board issues enforcement action with BSA Financial Services, Inc. www.federalreserve.gov/newsevents/press/enforcement/20121218a.htm

December 17, 2012 - NCUA - Olean Tile Employees Federal Credit Union Closes - The National Credit Union Administration today liquidated Olean Tile Employees Federal Credit Union of Olean, N.Y. NCUA made the decision to liquidate Olean Tile Employees Federal Credit Union and discontinue operations after determining the credit union was insolvent and had no prospect for restoring viable operations. www.ncua.gov/News/Pages/NW20121217Olean.aspx

December 17, 2012 - NCUA Sues J.P. Morgan and Bear, Stearns over $3.6 Billion in Faulty Securities.   www.ncua.gov/News/Pages/NW20121217JPMorgan.aspx

December 17, 2012 - Supervisory Insights Journal - Winter 2012 Issue Now Available - The Winter 2012 issue of Supervisory Insights features articles of critical interest to examiners, bankers, and supervisors. These articles include an overview of mobile payments technologies and a discussion of high-yield checking accounts. www.fdic.gov/news/news/financial/2012/fil12052.html

December 17, 2012 - FDIC Report Provides Overview of Mobile Payments Services - Mobile payments have the potential to significantly change how consumers pay for goods and services. "Mobile Payments: An Evolving Landscape," which appears in the Winter 2012 issue of Supervisory Insights released today, describes the range of mobile payments options, identifies the risks associated with their use, and looks at how banks that offer mobile payments services can ensure compliance with existing laws and regulations. www.fdic.gov/news/news/press/2012/pr12147.html

December 17, 2012 - Consolidated Supervision Framework for Large Financial Institutions.  www.federalreserve.gov/bankinforeg/srletters/sr1217.htm

December 17, 2012 - Regulatory Reform - Communications with the public through December 17, 2012.   www.federalreserve.gov/newsevents/reform_meetings.htm

December 17, 2012 - Governor Jeremy C. Stein - Dollar Funding and Global Banks - At the Global Research Forum, International Finance and Macroecomomics, Sponsored by the European Central Bank, Frankfurt am Main, Germany.  www.federalreserve.gov/newsevents/speech/stein20121217a.htm

December 17, 2012 - Federal Reserve Board issues supervision and regulation letter summarizing changes made to its program for consolidated supervision of large financial institutions.  www.federalreserve.gov/newsevents/press/bcreg/20121217a.htm

December 14, 2012 - Bank of Sullivan, Sullivan, Missouri, Assumes All of the Deposits of Community Bank of the Ozarks, Sunrise Beach, Missouri - Community Bank of the Ozarks, Sunrise Beach, Missouri, was closed today by the Missouri Division of Finance, which appointed the Federal Deposit Insurance Corporation as receiver. To protect the depositors, the FDIC entered into a purchase and assumption agreement with Bank of Sullivan, Sullivan, Missouri, to assume all of the deposits of Community Bank of the Ozarks. www.fdic.gov/news/news/press/2012/pr12146.html 

December 14, 2012 - Northwest Indiana Regional Development Project Tour - In a blog posting, the Chicago Fed’s Community Development and Policy Studies division highlights Fed President Charles Evans recent industrial tour of Northwest Indiana. http://cdps.chicagofedblogs.org/ 

December 14, 2012 - St. Louis Fed Releases 3Q Housing Market Conditions Report - House Prices Up Slightly, Delinquencies Down in Third Quarter Across Most Eighth District States - House prices in five of the seven states that comprise the Federal Reserve's Eighth District rose slightly in the third quarter of 2012, according to the St. Louis Fed’s latest Housing Market Conditions report. www.stlouisfed.org/newsroom/displayNews.cfm?article=1614

December 14, 2012 - FDIC Publishes a Money Guide for Young Adults and Teens - The Federal Deposit Insurance Corporation today published a collection of simple, practical tips for young adults and teens on saving, managing money, and avoiding financial scams. www.fdic.gov/news/news/press/2012/pr12145.html 

December 14, 2012 - Credit and Liquidity Programs and the Balance Sheet - Recent balance sheet trends, weekly chart data update.   www.federalreserve.gov/monetarypolicy/bst_recenttrends.htm

December 14, 2012 - Federal Reserve Board releases proposed rules to strengthen the oversight of U.S. operations of foreign banks.   www.federalreserve.gov/newsevents/press/bcreg/20121214a.htm
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December 13, 2012 - Developing Small Businesses and Leveraging Resources in Detroit - Chicago Fed Letter examines issues related to credit and financing for small businesses in the Motor City. www.chicagofed.org/webpages/publications/chicago_fed_letter/2013/january_306a.cfm

December 13, 2012 - NCUA - G.I.C. Federal Credit Union Closes - The National Credit Union Administration today liquidated G.I.C. Federal Credit Union of Euclid, Ohio. NCUA made the decision to liquidate G.I.C. Federal Credit Union and discontinue operations after determining the credit union was insolvent and had no prospect for restoring viable operations. www.ncua.gov/News/Pages/NW20121213GIC.aspx

December 13, 2012 - FDIC Releases Survey on How Banks are Working to Meet the Needs of the Unbanked and Underbanked - The Federal Deposit Insurance Corporation today released the results of its 2011 FDIC Survey of Banks' Efforts to Serve the Unbanked and Underbanked.  www.fdic.gov/news/news/press/2012/pr12144.html

December 13, 2012 - Household Debt Service and Financial Obligations Ratios - The household debt service ratio is an estimate of the ratio of debt payments to disposable personal income. Debt payments consist of the estimated required payments on outstanding mortgage and consumer debt. www.federalreserve.gov/releases/housedebt/default.htm 

December 13, 2012 - Federal Reserve and other central banks announce an extension of the existing temporary U.S. dollar liquidity swap arrangements through February 1, 2014.  www.federalreserve.gov/newsevents/press/monetary/20121213a.htm

December 13, 2012 - Federal Reserve Board announces termination of enforcement action with Tennessee Valley Financial Holdings, Inc.   www.federalreserve.gov/newsevents/press/enforcement/20121213a.htm

December 12, 2012 - OCC Renews Mutual Savings Associations Advisory Committee, Will Host Inaugural Meeting on January 16.  www.occ.gov/news-issuances/news-releases/2012/nr-occ-2012-174.html

December 12, 2012 - Federal Reserve Board and Federal Open Market Committee release economic projections from the December 11-12 FOMC meeting.   www.federalreserve.gov/newsevents/press/monetary/20121212b.htm

December 12, 2012 - Federal Reserve issues FOMC statement - Information received since the Federal Open Market Committee met in October suggests that economic activity and employment have continued to expand at a moderate pace in recent months, apart from weather-related disruptions. www.federalreserve.gov/newsevents/press/monetary/20121212a.htm

December 11, 2012 - NCUA Launches New Website for Small Credit Unions - Small credit unions have a new ‘go-to’ site for online information and assistance provided by the National Credit Union Administration’s Office of Small Credit Union Initiatives. www.ncua.gov/News/Pages/NW20121211OSCUI.aspx

December 11, 2012 - OCC Assesses $500 Million Civil Money Penalty Against HSBC Bank USA, N.A. www.occ.gov/news-issuances/news-releases/2012/nr-occ-2012-173.html

December 11, 2012 - FDIC Board Approves 2013 Operating Budget - The Board of Directors of the Federal Deposit Insurance Corporation today approved a $2.68 billion Corporate Operating Budget for 2013, 18.2 percent lower than the 2012 budget. www.fdic.gov/news/news/press/2012/pr12143.html

December 11, 2012 - Legal Developments - Bank Holding Companies/Savings and Loan Holding Companies/Change in Control.   www.federalreserve.gov/bankinforeg/LegalInterpretations/bhc_changeincontrol20121207a.pdf

December 11, 2012 - Federal Reserve Board issues consent cease and desist order, and assesses civil money penalty against HSBC Holdings PLC and HSBC North America Holdings, Inc. www.federalreserve.gov/newsevents/press/enforcement/20121211b.htm

December 11, 2012 - Federal Reserve Board announces termination of enforcement actions with Community Bankers Trust Corporation and The Northwestern Bank.  www.federalreserve.gov/newsevents/press/enforcement/20121211a.htm

December 10, 2012 - Where Has All the Productivity Growth Gone? - Jake Fabina Mark L. J. Wright - The productivity of an economy is a measure of the efficiency with which that economy uses its resources - such as its labor and investments in capital - to produce valuable goods and services.  www.chicagofed.org/digital_assets/publications/chicago_fed_letter/2013/cfljanuary2013_306.pdf

December 10, 2012 - NCUA Board Chairman Matz Profiled in The Business of Government Magazine - National Credit Union Administration Board Chairman Debbie Matz is the subject of an in-depth profile in the latest edition of The Business of Government magazine. www.ncua.gov/News/Pages/NW20121210MatzMagazine.aspx

December 10, 2012 - Federal Reserve Bank of Kansas City announces officer appointment.   www.kc.frb.org/publicat/newsroom/2012pdf/press.release.12.10.12.pdf

December 10, 2012 - FDIC Regulatory Calendar - FDIC Announces Official Launch of Regulatory Calendar for Community Banks - As part of its FDIC Community Banking Initiatives, the FDIC launched a draft online regulatory calendar to help community banks stay up-to-date on changes in federal banking laws, regulations, and supervisory guidance. www.fdic.gov/news/news/financial/2012/fil12051.html

December 10, 2012 - Federal Reserve Board issues consent cease and desist order, and assesses civil money penalty against Standard Chartered PLC and Standard Chartered Bank.  www.federalreserve.gov/newsevents/press/enforcement/20121210a.htm

December 7, 2012 - NCUA - Blankenberger Named Regional Director - Twenty-Five-Year NCUA Veteran has “Impressive Depth of Experience” - National Credit Union Administration Board Chairman Debbie Matz today announced the selection of Larry Blankenberger as the next Regional Director of the agency’s Region I office in Albany, N.Y. www.ncua.gov/News/Pages/NW20121207Blankenberger.aspx

December 7, 2012 - Comptroller Addresses the New England Council - Comptroller of the Currency Thomas J. Curry spoke today before the New England Council. http://www.occ.treas.gov/news-issuances/news-releases/2012/nr-occ-2012-172.html

December 7, 2012 - Mitch Nichols Joins St. Louis Fed’s Transportation Industry Council - Mitch Nichols, president of UPS Airlines, Louisville, Ky., has been named to the Transportation Industry Council of the Federal Reserve Bank of St. Louis. www.stlouisfed.org/newsroom/displayNews.cfm?article=1608

December 7, 2012 - FDIC Advisory Committee to Discuss 2011 Survey of Banks' Efforts to Serve the Unbanked and Underbanked - The Federal Deposit Insurance Corporation announced today that the Advisory Committee on Economic Inclusion will meet on December 13, 2012, to discuss the results of the FDIC's survey on the banking industry's efforts to serve the unbanked and underbanked. www.fdic.gov/news/news/press/2012/pr12142.html

December 7, 2012 - In October, consumer credit increased at a seasonally adjusted annual rate of 6-1/4 percent. Revolving credit increased at an annual rate of 4-3/4 percent, while nonrevolving credit increased at an annual rate of 7 percent. www.federalreserve.gov/releases/g19/Current/default.htm

December 7, 2012 - Credit and Liquidity Programs and the Balance Sheet - Recent balance sheet trends, weekly chart data update www.federalreserve.gov/monetarypolicy/bst_recenttrends.htm
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December 6, 2012 - NCUA - December 2012 Board Meeting: NCUA Board Reduces Stabilization Fund Oversight Budget by 20 Percent.   www.ncua.gov/about/Pages/Board%20Actions/BAB20121206.aspx

December 6, 2012 - Flow of Funds Accounts of the United States--Z.1.  www.federalreserve.gov/Releases/Z1/Current/default.htm

December 6, 2012 - Federal Reserve Board announces termination of enforcement actions with Anadarko Bank & Trust Company, Hanmi Financial Corporation, and Hanmi Bank.  www.federalreserve.gov/newsevents/press/enforcement/20121206a.htm

December 5, 2012 - Update on Financial Conditions - The NFCI and ANFCI were -0.76 and -0.73, respectively, in the week ending November 30. www.chicagofed.org/webpages/research/data/nfci/background.cfm

December 5, 2012 - FDIC Issues List of Banks Examined for CRA Compliance - The Federal Deposit Insurance Corporation today issued its list of state nonmember banks recently evaluated for compliance with the Community Reinvestment Act.   www.fdic.gov/news/news/press/2012/pr12141.html

December 5, 2012 - Structure and Share Data for U.S. Banking Offices of Foreign Entities.   www.federalreserve.gov/releases/iba/default.htm

December 4, 2012 - New Board Chair and Three New Directors Announced - Three new members of the board of directors, a new board chair, the re-election of a current director and the reappointment of its Federal Advisory Council representative were announced. www.chicagofed.org/webpages/utilities/newsroom/news_releases/2012/12.03.director_2013_release.cfm

December 4, 2012 - NCUA - The December 2012 Issue of the NCUA Report is Now Available.   www.ncua.gov/News/NewsLtrs/Pages/default.aspx

December 4, 2012 - FDIC to Hold Meeting of Systemic Risk Advisory Committee - Agenda to Include Discussion on International Coordination - The Federal Deposit Insurance Corporation has announced that it will hold a meeting of its Systemic Risk Advisory Committee, December 10, 2012. www.fdic.gov/news/news/press/2012/pr12140.html 

December 4, 2012 - FDIC-Insured Institutions Earned $37.6 Billion in the Third Quarter of 2012 - Number of "Problem" Institutions Fell Below 700 for the First Time in Three Years - Commercial banks and savings institutions insured by the Federal Deposit Insurance Corporation reported aggregate net income of $37.6 billion in the third quarter of 2012, a $2.3 billion (6.6 percent) improvement from the $35.2 billion in profits the industry reported in the third quarter of 2011. www.fdic.gov/news/news/press/2012/pr12139.html

December 4, 2012 - Governor Daniel K. Tarullo - Industry Structure and Systemic Risk Regulation - At the Brookings Institution Conference on Structuring the Financial Industry to Enhance Economic Growth and Stability, Washington, D.C. www.federalreserve.gov/newsevents/speech/tarullo20121204a.htm

December 4, 2012 - Federal Reserve Board issues an enforcement action with NASB Financial.   www.federalreserve.gov/newsevents/press/enforcement/20121204a.htm

December 3, 2012 - Chicago Fed Symposium Forecasts Solid Growth in 2013 - U.S. economy to grow at solid pace, with inflation remaining largely unchanged and unemployment rate edging down, according to Economic Outlook Symposium participants. www.chicagofed.org/digital_assets/others/events/2012/eos/eos_press_release.pdf

December 3, 2012 - NCUA - NCUA Third-Quarter State Map Review Shows Brisk Loan Growth - Federally insured credit unions saw balances on outstanding loans increase by 4.3 percent for the year ending in the third quarter of 2012, reflecting a continuing economic recovery and growing consumer confidence, according to a new analysis released today by the National Credit Union Administration.   www.ncua.gov/News/Pages/NW20121203MapReview.aspx

December 3, 2012 - OCC Releases CRA Evaluations for 36 National Banks and Federal Savings Associations.  http://www2.occ.gov/news-issuances/news-releases/2012/nr-occ-2012-170.html 

December 3, 2012 - Federal Reserve Bank of Kansas City announces director election results and appointments.   www.kc.frb.org/publicat/newsroom/2012pdf/press.release.12.03.12.pdf

December 3, 2012 - Communications with the public through December 3, 2012.   www.federalreserve.gov/newsevents/reform_meetings.htm

December 3, 2012 - Proposal to approve under OMB delegated authority the extension for three years, with revision, of the following report: Bank Secrecy Act Suspicious Activity Report.  www.federalreserve.gov/apps/foia/proposedregs.aspx#icp

December 3, 2012 - Federal Reserve Board announces appointment of the chairs and deputy chairs of the Federal Reserve Banks for 2013.  www.federalreserve.gov/newsevents/press/other/20121203a.htm