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OCC Bulletin October 4, 2006	Nontraditional Mortgage Products: Guidance on Nontraditional Mortgage Product Risks Guidance discusses how institutions can offer nontraditional mortgage products in a safe and sound manner and in a way that clearly discloses the benefits and risks to borrowers.
OCC Bulletin October 4, 2006	Nontraditional Mortgage Products: Proposed illustrations of consumer information and request for comments.
OCC Bulletin January 13, 2006	Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices Agencies seeking comment on proposed guidance for concentrations in commercial real estate (CRE) lending and sound risk management practices.
OCC Bulletin October 4, 2006	Home Equity Lending: Addendum to OCC Bulletin 2005-22 The addendum provides guidance addressing the timing and content of communications with consumers obtaining open- end home equity lines of credit that contain an interest-only feature.
OCC Bulletin July 8, 2004 Emory W. Rushton	Overdraft Protection Programs The proposed guidance is intended to assist insured depository institutions in the responsible disclosure and administration of overdraft protection services.
BusinessWeek October 16, 2006 James Mehring	More Scrutiny For High-Risk Mortgages New guidance put out by U.S. bank regulators warned lenders to keep up their due diligence when issuing exotic mortgages. The impact could be fewer mortgages and less demand for homes.
OCC Bulletin October 27, 2004	Internal Ratings-Based Systems for Retail Credit Risk for Regulatory Capital This bulletin briefly summarizes the proposed supervisory guidance on Internal Ratings-Based Systems for Retail Credit Risk for Regulatory Capital that was published today for notice and comment in the Federal Register.
The Motley Fool October 12, 2006 Mary Dalrymple	Payment Shock! The Fed worries that mortgage buyers will get blindsided by certain mortgages. If you're in the market for a home, look at all of the different types of mortgages available.
OCC Bulletin February 24, 2003	Mortgage Banking The purpose of this advisory is to highlight concerns and provide guidance regarding mortgage-banking activities, primarily in the valuation and hedging of mortgage-servicing assets.
OCC Bulletin August 27, 2003	Proposed Guidance and Notice of Information Collection Interagency guidance on response programs for unauthorized access to customer information and customer notice
OCC Bulletin December 20, 2004	Shared National Credit Program Comments are sought on the proposed changes to the Shared National Credit (SNC) Program data collection process.
OCC Bulletin October 29, 2003	Proposed Revisions to Risk-Based Capital Regulations Implementing the New Basel Capital Accord The U.S. banking agencies are currently seeking comment on a proposed framework for implementing the New Basel Capital Accord in the United States through an advance notice of proposed rulemaking.
OCC Bulletin October 13, 1999	Interagency Guidelines for Real Estate Lending Policies New guidelines discuss the credit risks associated with high loan-to-value residential real estate lending and remind national banks that the 1992 Interagency Guidelines for Real Estate Lending Policies apply to these transactions...
OCC Bulletin March 21, 2005	Community Reinvestment Act Notice of Proposed Rulemaking: In response to public comment, the governing agencies are proposing four key changes to the Community Reinvestment Act (CRA) regulations. The comment period ends May 10, 2005.
OCC Bulletin December 6, 2006	Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices This Interagency Guidance describes sound risk management practices that will enable institutions to pursue CRE lending in a safe and sound manner.
OCC Bulletin March 28, 2005	Credit Risk Proposed changes for the classification of commercial credit exposures, which are used to identify higher risk commercial loans and determine classified loan ratios.
The Motley Fool January 26, 2005 Selena Maranjian	When Debt Is Too Good to Be True Beware of interest-only mortgages and other extreme loans.
The Motley Fool December 5, 2006 Dan Caplinger	The Negative Amortization Trap Negative amortization loans are the only way some homeowners can buy their homes, but they present a trap for the unwary. Only by managing your finances carefully can you avoid a potentially disastrous result.
OCC Bulletin April 13, 2006	Fair and Accurate Credit Transactions Act This Advance Notice of Proposed Rulemaking addresses the gathering of information for developing guidelines and regulations required by section 312 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act).
The Motley Fool December 8, 2006 Mary Dalrymple	Mortgage Power for Everyone Arm yourself with information before shopping for a home loan.
BusinessWeek December 11, 2006 Mara Der Hovanesian	A Farewell To ARMs? Not Quite Yet New classes of lenders are jumping in to offer high-risk mortgages.
The Motley Fool June 7, 2011 Cindy Johnson	More Evidence Banks May Be Starting Another Race to the Bottom Defaulted on your mortgage recently? They'll consider you for a loan.
Financial Advisor July 2005 Gail Liberman	Strong Interest Interest-only mortgages are hot, but they pose risks for clients.
U.S. Banker May 2007 Thomas P. Vartanian	Crisis and Opportunity In Subprime Mortgage Markets Problems in the subprime mortgage business will inevitably lead to opportunities for those who can evaluate, service or manage the underlying loans, securities and real estate.
The Motley Fool February 28, 2011 Dan Caplinger	Why Getting a Mortgage Will Never Be the Same Lots of changes are happening to the mortgage market.
OCC Bulletin January 31, 2001	Subprime Lending While the OCC believes that responsible subprime lending can expand credit access for consumers and offer attractive returns for bankers, during recent years institutions engaged in subprime programs have represented a disproportionate number of problem institutions...
OCC Bulletin May 9, 2006	Revised Interagency Statement Open for Comment The attached interagency statement describes revised sound practices for managing complex structured finance activities that may pose heightened legal or reputational risks to financial institutions.
OCC Bulletin May 3, 2005	Accounting and Reporting for Mortgage Loan Commitments Interagency Advisory on Accounting and Reporting for Commitments to Originate and Sell Mortgage Loans
OCC Bulletin June 15, 2006	Disaster Planning This bulletin transmits the booklet, "Lessons Learned From Hurricane Katrina: Preparing Your Institution for a Catastrophic Event," developed by the Federal Financial Institutions Examinations Council member agencies.
The Motley Fool April 19, 2004 Chris Mallon	In Your Best Interest Rising home prices make interest-only mortgages a popular tool for homebuyers.
OCC Bulletin April 9, 2001	Leveraged Finance This guidance describes the essential elements of that risk management: comprehensive credit analysis, frequent monitoring, and detailed portfolio reports...
The Motley Fool March 26, 2007 David Lee Smith	Here Come the Mortgage Regulators With subprime lending continuing to plummet, House and Senate hearings run the risk of further retarding a recovery in housing.
BusinessWeek April 12, 2004 Christopher Palmeri	Home Buyers: ARMed And Dangerous? Adjustable-rate mortgages are pulling in new buyers -- but the risks are high
OCC Bulletin January 8, 2003	Credit Card Lending: Account Management and Loss Allowance Guidance Recent examinations of institutions engaging in credit card lending have disclosed a wide variety of account management, risk management, and loss allowance practices, a number of which were deemed inappropriate.
The Motley Fool November 28, 2006 Mary Dalrymple	Gas Up Your Mortgage? Could an accelerator program be a good idea if you've worked through your priorities and decided that paying off your mortgage quickly ranks at the top?
OCC Bulletin May 2, 2005	Home Mortgage Disclosure Act Answers to frequently asked questions about new HMDA data.
OCC Bulletin May 19, 2004	Complex Structured Finance Transaction Notice of joint statement with request for public comment on the attached interagency statement concerning the complex structured finance activities of financial institutions.
OCC Bulletin March 26, 2001	Loans Held for Sale This issuance covers the accounting and reporting treatment for certain loans that are sold directly from the loan portfolio or transferred to a held-for-sale account...
Financial Advisor January 2011 Gail Liberman	Another Real Estate Mess Clients with option ARMs could be getting a nasty surprise in the coming months.
The Motley Fool December 27, 2006 Mary Dalrymple	ARMs in All Shapes and Sizes Heed some warnings when shopping for an adjustable-rate mortgage.
OCC Bulletin August 24, 2006	Annual Dollar Trigger for Certain Home Mortgage Loans The Federal Reserve Board published its annual amendment to its Regulation Z Commentary related to the dollar amount that triggers requirements for certain home mortgage loans subject to 12 CFR 226.32.
OCC Bulletin	Accounting for Loan and Lease Losses The guidance addresses recent developments in accounting for loan and lease losses and provides a listing of current, authoritative sources of generally accepted accounting principles in this area.
BusinessWeek April 7, 2011 Karen Weise	Banks 'Too Big to Fail' Could Get Bigger Federal agencies putting mortgage and derivative reforms into force are writing rules that seem to have a big-bank bias.
The Motley Fool March 5, 2007 Dan Caplinger	Falling Into the Subprime Trap If any good comes from the bursting of the housing bubble, it will be that homeowners and borrowers may act more responsibly about buying property and taking on mortgage debt.
OCC Bulletin December 6, 2005	Interim Final Rule: Assessment of Fees The interim final rule revises the current process for assessment collection.
National Real Estate Investor February 1, 2007 Ben Johnson	Small Banks, Big Risks In the new era of commercial real estate lending, federal regulators are pressuring even the smallest banks to upgrade their portfolio analysis capabilities to avoid the pitfalls of past downturns.
BusinessWeek September 11, 2006 Mara Der Hovanesian	Nightmare Mortgages They promise the American Dream: A home of your own - with ultra-low rates and payments anyone can afford. Now, the trap has sprung.
The Motley Fool May 15, 2007 Dan Caplinger	Borrow Now or Borrow Never If you're thinking about buying a home, do your homework. Find a lender or mortgage broker early in the process, and get preapproved for a mortgage that will work for you.
Commercial Investment Real Estate Jan/Feb 2011 Brad Cox	The Loan Request Package How to request -- and get -- the best loan from today's limited lending sources
The Motley Fool January 3, 2005 Selena Maranjian	In Defense of Mortgage Brokers Mortgage brokers can save you money even if your credit score is high.