| Bank Management |
Surviving the Credit Crunch: Community Banks Need To Focus on Becoming SMB Banks
 Community Banks have been profoundly affected by the current credit market difficulties. Many will need to reposition their market focus and adopt innovative growth strategies to build its capital base and maintain profitability if it wishes to remain independent.
Community banks have confronted drastic market challenges during the
not to distant past. For example, during the 90’s community banks
dominance of the small and mid-size business (SMB) market began to
erode ...
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| Bank Compliance |
Identity Theft Red Flags, the reader's digest version
 On November 9, 2007 the OCC, Board, FDIC, OTS, NCUA and FTC (the Agencies) jointly issued the final rules and guidelines implementing section 114 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act) and final rules implementing section 315 of the FACT Act. The rules implementing section 114 require financial institutions or creditors to develop and implement a written Identity Theft Prevention Program (the Program) to detect, prevent, and mitigate identity theft in connectio...
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