Intro -- INSOLVENCY ISSUES AND THE FDIC -- INSOLVENCY ISSUES AND THE FDIC -- CONTENTS -- PREFACE -- Chapter 1 A YEAR IN BANK SUPERVISION: 2008 AND A FEW OF ITS LESSONS -- BANK SUPERVISION -- The Prelude to the Events of 2008 -- A Selective 2008 Chronology -- The First Quarter -- 2008: THE YEAR OF THE BANK HOLDING COMPANY -- The Second Quarter -- The Third Quarter -- The Fourth Quarter -- TROUBLED ASSET RELIEF PROGRAM CAPITAL PURCHASE PROGRAM -- Areas of Bank Regulatory and Supervisory Focus Beyond 2008 -- Underwriting -- Consumer Protection -- Capital -- Concentrated Risk -- Liquidity -- Public Stakeholders -- Conclusion -- REMOTE DEPOSIT CAPTURE: A PRIMER -- Background -- Managing RDC Risks -- Operational Risks and Controls -- Customer Screening -- Monitoring and Reporting -- Vendor Screening -- Customer Audits -- Business Continuity Planning -- Change Control Processes -- Insurance -- Legal Risks and Controls -- Compliance Risks and Controls -- Conclusion -- Future Prospects -- FROM THE EXAMINER'S DESK: CHANGES TO REGULATION Z AFFORD INCREASED CONSUMER PROTECTIONS -- New and Enhanced Protections for Consumers of Higher-Priced and High-Cost Mortgage Loans -- New Protections for Consumers of Higher-Priced Mortgage Loans -- Relying on the collateral securitizing the loan without regard to the consumer's ability to repay the loan -- Relying on the consumer's income or assets without verifying such amounts through reasonably reliable third-party documents -- COMPLIANCE PRACTITIONER NOTE -- Imposing a prepayment penalty after two years or imposing a prepayment penalty at any time under certain circumstances65 -- Failing to escrow for property taxes and mortgage-related insurance when the mortgage loan is secured by a first lien -- HIGHER-PRICED MORTGAGES AND HMDA -- Enhanced Protections for Consumers of High-Cost Mortgage Loans.
