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Author: United States Government Accountability Office
Publisher: Createspace Independent Publishing Platform
ISBN: 9781976364563
Category :
Languages : en
Pages : 46
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Book Description
In January 2004, the Office of the Comptroller of the Currency (OCC)-the federal regulator of national banks-issued rules concerning the extent to which federal law preempts state and local banking laws. Some state officials and consumer groups expressed concerns about a perceived loss of consumer protection. GAO identified (1) how OCC's complaint process compares with that of other federal bank regulators, (2) how complaint information informs OCC's supervision of national banks, and (3) issues that consumer advocates and state officials have raised about OCC's consumer protection efforts and OCC's responses to the issues.
Author: United States Government Accountability Office
Publisher: Createspace Independent Publishing Platform
ISBN: 9781976364563
Category :
Languages : en
Pages : 46
Get Book Here
Book Description
In January 2004, the Office of the Comptroller of the Currency (OCC)-the federal regulator of national banks-issued rules concerning the extent to which federal law preempts state and local banking laws. Some state officials and consumer groups expressed concerns about a perceived loss of consumer protection. GAO identified (1) how OCC's complaint process compares with that of other federal bank regulators, (2) how complaint information informs OCC's supervision of national banks, and (3) issues that consumer advocates and state officials have raised about OCC's consumer protection efforts and OCC's responses to the issues.
Author: United States. Government Accountability Office
Publisher:
ISBN:
Category :
Languages : en
Pages :
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Book Description
Author: United States. Government Accountability Office
Publisher:
ISBN:
Category : Banks and banking
Languages : en
Pages : 41
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Book Description
Author: Office of Office of the Comptroller of the Currency
Publisher:
ISBN: 9781083159205
Category :
Languages : en
Pages : 105
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Book Description
The Office of the Comptroller of the Currency (OCC) charters, regulates, and supervises all national banks and federal savings associations (collectively, banks), as well as federal branches and agencies of foreign banks. In regulating banks, the OCC has the power to:* examine the banks.* approve or deny applications for new charters, branches, capital, or otherchanges in corporate or banking structure.* take supervisory actions against banks that do not comply with lawsand regulations or that otherwise engage in unsafe or unsound practices.The OCC also can remove officers and directors, negotiate agreementsto change banking practices, and issue cease-and-desist (C&D) orders aswell as civil money penalties (CMP).* issue rules and regulations, legal interpretations, and corporate decisionsgoverning investments, lending, and other activities.Boards of directors play critical roles in the successful operation of banks. The OCC recognizes the challenges facing bank directors. The Director's Book: Role of Directors for National Banks and Federal Savings Associations helps directors fulfill their responsibilities in a prudent manner. This book provides an overview of the OCC, outlines directors' responsibilities as well as management's role, explains basic concepts and standards for safe and sound operation of banks, and delineates laws and regulations that apply to banks. To better understand a particular bank activity and its associated risks, directors should refer to the Comptroller's Handbook booklets, including the "Corporate and Risk Governance" booklet. For information generally found in board reports, including "red flags"--ratios or trends that may signal existing or potential problems--directors should refer to Detecting Red Flags in Board Reports: A Guide for Directors..
Author: United States Government Accountability Office
Publisher: Createspace Independent Publishing Platform
ISBN: 9781976364570
Category :
Languages : en
Pages : 94
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Book Description
In January 2004, the Office of the Comptroller of the Currency (OCC)-the federal supervisor of federally chartered or "national" banks-issued two final rules referred to jointly as the preemption rules. The "bank activities" rule addressed the applicability of state laws to national banking activities, while the "visitorial powers" rule set forth OCC's view of its authority to inspect, examine, supervise, and regulate national banks and their operating subsidiaries. The rules raised concerns among some state officials and consumer advocates. GAO examined (1) how the rules clarify the applicability of state laws to national banks, (2) how the rules have affected state-level consumer protection efforts, (3) the rules' potential effects on banks' choices of a federal or state charter, and (4) measures that could address states' concerns regarding consumer protection.
Author: United States. Congress. House. Committee on Financial Services
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 260
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Book Description
Author: Office of the Comptroller of the Currency
Publisher: Createspace Independent Publishing Platform
ISBN: 9781502846365
Category : Reference
Languages : en
Pages : 84
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Book Description
Good decisions begin with good information. A bank's board of directors needs concise, accurate, and timely reports to help it perform its fiduciary responsibilities. This booklet describes information generally found in board reports, and it highlights “red flags”—ratios or trends that may signal existing or potential problems. An effective board is alert for the appearance of red flags that give rise to further inquiry. By making further inquiry, the directors can determine if a substantial problem exists or may be forming.
Author: United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher:
ISBN:
Category : Banks and banking
Languages : en
Pages : 112
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Book Description
Author: United States. Congress. House. Committee on Financial Services
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 128
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Book Description
Author: United States. Office of the Comptroller of the Currency
Publisher:
ISBN:
Category : Banks and banking
Languages : en
Pages : 1
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Book Description
Brochure explaning the purpose of the Office the Comptroller of the Currency, the Office of the Ombudsman, the OCC Customer Assistance Group, HelpWithMyBank.gov, and how to interact with these agencies and resources.
