Reference

DHS has made important progress in implementing, transforming, strengthening, and integrating its management functions in human capital, acquisition, financial management, and IT. This has included...

As the exploration and development of oil and gas has increased significantly in recent years, newly identified oil and gas reserves are creating opportunities across the United States. In some...

In a time of fiscal and budgetary constraints, federal agencies need to make the best use of their allotted funds and demonstrate careful stewardship in their reporting to Congress and the public...

In fiscal year 2013, the Department of Veterans Affairs (VA) provided over $12 billion in benefits for veterans' postsecondary education; however, questions have been raised as to whether some...

CBP's four trusted traveler programs are designed to allow for expedited travel for preapproved, low-risk travelers and cargo through dedicated lanes and kiosks at select POEs throughout the nation...

From an insurance standpoint, measuring and predicting terrorism risk is challenging. According to standard insurance theory, four major principles contribute to the ability of insurers to estimate...

The primary federal laws that govern how EPA regulates pesticides in the United States are FIFRA and FFDCA. Under FIFRA, EPA registers pesticides distributed, used, or sold, in the United States and...

According to agency officials and guidance posted on State's public website, applicants can apply for a U.S. passport in one of three ways: in person at an acceptance facility, by mail (for renewal...

Virtual currencies are financial innovations that have grown in number and popularity in recent years. While there is no statutory definition for virtual currency, the term refers to a digital...

The Office of the Comptroller of the Currency (OCC) conducted its 15th annual underwriting survey to identify trends in lending standards and credit risk for the most common types of commercial and...

This paper analyzes aspects of the interagency guidance issued in 2006, titled "Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices."1 The recent financial crisis and...

This book may prove valuable to anyone who is interested in joining the Indiana State Police but who is currently over the department's maximum age limit for initial hire or rehire. This book...

Since the 1970s, the Office of the Comptroller of the Currency "OCC" has reviewed compliance with various consumer protection laws by national banks, their subsidiaries, federal branches, and federal...

The OCC charters, regulates, and supervises national bank to ensure a safe, sound, and competitive national banking system that supports the citizens, communities, and economy of United States...

Financial institutions and their customers are recognizing a growing need tomanage cash resources more efficiently. Economic and financial factors, together with improved data communications and...

This booklet provides background information and optional expanded examination procedures for the consumer protection topics listed below. Examiners will select which of these procedures are...

This booklet provides an overview of personal fiduciary services, their associated risks, and a framework for managing those risks. It applies to personal accounts administered by a national bank in...

The Office of the Comptroller of the Currency's (OCC) Comptroller's Handbook booklet, "Oil and Gas Production Lending," provides guidance for bank examiners and bankers on the risks presented by oil...

The Office of the Comptroller of the Currency's (OCC) Comptroller's Handbook booklet, "Agricultural Lending," provides guidance for bank examiners and bankers on the risks presented by agricultural...

The Office of the Comptroller of the Currency's (OCC) Comptroller's Handbook booklet, "Asset-Based Lending," provides guidance for bank examiners and bankers on asset-based lending (ABL) activities...

The bank regulatory agencies decided in fourth quarter 1997 to review the country risk management processes used by U.S. banks to verify information and update examination guidance. In October 1997...

This joint implementation plan has been prepared pursuant to section 327(a) of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111-203 (Dodd-Frank), and is submitted to the...

The Office of the Comptroller of the Currency (OCC) conducted its twelfth annual survey of credit underwriting practices during the first quarter of 2006. The survey identified trends in lending...

The Office of the Comptroller of the Currency (OCC) earlier this year conducted its 13th annual survey of credit underwriting practices. The survey identified trends in lending standards and credit...

The Office of the Comptroller of the Currency (OCC) conducted its 14th annual underwriting survey to identify trends in lending standards and credit risk for the most common types of commercial and...

The Office of the Comptroller of the Currency (OCC) conducted its 16th annual underwriting survey to identify trends in lending standards and credit risk for the most common types of commercial and...

The Office of the Comptroller of the Currency (OCC) conducted its 17th annual underwriting survey to identify trends in lending standards and credit risk for the most common types of commercial and...

The Office of the Comptroller of the Currency (OCC) conducted its 18th annual "Survey of Credit Underwriting Practices" to identify trends in lending standards and credit risk for the most common...

The Office of the Comptroller of the Currency (OCC) conducted its 19th annual "Survey of Credit Underwriting Practices" to identify trends in lending standards and credit risk for the most common...

Credit risk is the primary financial risk in the banking system and exists invirtually all income-producing activities. How a bank selects and manages itscredit risk is critically important to its...