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- The Pros and Cons of Financial Holding Companies
- The paper mentions the risk that may be small compared to the benefits of the structure. However, evaluate all structural options and pick the one best suited to your organization's current and future business plans. Most banking organizations assume that forming a FHC has no downsides. This may not necessarily...
- White papers 2000-09-13
- Corporate Ethics, Governance And Entrepreneurial Leadership
- In recent years, the issue of corporate ethics has assumed significance. In today's era of perennial change and intense competition, entrepreneurial leadership ability is required in the people at the helm of an organization. To extract the maximum from the employers, an efficient corporate governance framework is required in the...
- White papers 2002-11-13
- Employers Must Comply With New Federal Wage Regulations
- From the executive summary: ‘The Federal Department of Labor recently issued new regulations governing the so-called "white collar exemptions" under the Fair Labor Standards Act FLSA.' These rules seek to streamline the job duties and pay policies of all employees of an organization. The paper examines the new regulations. ...
- White papers 2004-06-01
- Sarbanes-Oxley Act Of 2002
- From the executive summary: ‘The Sarbanes-Oxley Act directs the CEO and CFO of public companies to certify the correctness and completeness of the financial reports, in all material respects. If a company is required to restate its financials due to material noncompliance due to misconduct with financial reporting requirements, the...
- White papers 2002-08-01
- Waivers Of Bankruptcy Protections Contained In Workout Agreements
- The article says that when it is clear that the essential deal is additional time or other concessions to the debtor in exchange for an agreement not to file bankruptcy. It may be useful to make that situation clear in the workout agreement and also to provide carefully considered stipulations...
- White papers 1997-12-01
- Valuation Contests In Private Bank Mergers
- Bank reorganizations, including "phantom mergers," may give rise to dissenters' rights for minority shareholders under both the state and federal banking systems. If minority shareholders feel they haven't been treated fairly, they can sue the bank for more money. Read the article to know about the valuation contests in private...
- White papers 1999-10-01
- Financial Overhaul
- The Gramm-Leach-Bliley Act repeals the restrictions on banks affiliating with securities firms contained in sections 20 and 32 of the Depression era Glass-Steagall Act. The Act creates a new "Financial Holding Company" ("FHC") under which affiliations between banks, securities firms, insurance companies, and other financial services organizations may occur. Read...
- White papers 2000-06-01
- Internet Banking: Tips to Avoid Exam Findings
- The number of bank and thrift websites more than doubled from 1997 to 1999, at which time one-third of all banks and thrifts in the country had a website. This rapid expansion, and its perceived risks, has not gone unnoticed by the regulators. Examiners have increased their scrutiny of bank...
- White papers 2000-09-01
- Deposit Accounts Under Revised Article 9
- The article says that before forming a financial holding company ("FHC") as allowed by the Gramm-Leach-Bliley Act, you should do a careful assessment of the benefits and risks of this new form of financial entity. An FHC allows expansion into non banking activities previously prohibited for banking organizations, but...
- White papers 2000-12-01
- Bankruptcy Revisited
- This article deals with post-petition lending to the debtor in possession ("DIP") on a secured basis. In order to understand post-petition secured lending, all of the subsections of Section 364 of the Bankruptcy Code need to be reviewed. It says that if the review of the pre-petition collateral indicates that...
- White papers 2002-03-01
- USA Patriot Act - The Regulations Just Keep Coming
- The article says that treasury has decided to initially subject the certain entities to the USA Patriot Act's money laundering program requirements. This includes a banks, savings associations, and credit unions; b registered brokers and dealers in securities; c futures commission merchants; d casinos; e money services businesses; f...
- White papers 2002-06-01
- Enforcement Actions: Has Much Changed in the Last Decade?
- The article overviews that as the economy and regulatory climate, enforcement actions are on the rise. Review your corporate governance and board practices with counsel. Before entering into any enforcement actions, bank directors and management need to fully understand the provisions, the ramifications of agreeing to abide by certain provisions...
- White papers 2002-09-01
- Don't Expect RESPA Reform Soon
- The article explains HUD proposed sweeping changes to RESPA that would dramatically change the mortgage application process. The proposed changes consist primarily of changes to the Good Faith Estimate GFE and the creation of a new mortgage-settlement product called the "Guaranteed Mortgage Package" or "GMP." The proposed rules are lengthy...
- White papers 2002-12-01
- Net Branching
- Mortgage brokers who do not have FHA approval who want to refer FHA business to the bank have approached many banks. Since the brokers want to be paid, they propose to perform origination services for the banks. Such outsourcing arrangements are not permissible if the mortgage broker is not FHA...
- White papers 2003-03-01
- Are LLC Banks in the Cards- Stay Tuned
- The article discusses that FDIC has declared that certain Limited Liability Companies may qualify for depository insurance under the Federal Deposit Insurance Act. Read the article to know whether we should be welcoming this development as the first of several dominoes to fall, or should we be smirking at a...
- White papers 2003-06-01
- Focus on Risk Management
- The article says that bank examiners are focusing on risk management. Increasingly, banks are facing examiner criticism, downgrades in CAMELS ratings, and enforcement actions based on the alleged failure to have sufficient internal systems for identifying, measuring, controlling and monitoring risk. Examinations and enforcement actions are demanding greater board of...
- White papers 1996-07-03
- Bank Stock Redemption
- The article debates that some planners mistakenly believe only a holding company can redeem stock. Although holding companies provide greater flexibility than banks for succession planning and stock transfers, especially in leveraged transactions, planning in some circumstances can be accomplished at the bank level. It is implied in the article...
- White papers 1995-05-01
- M&A Lessons
- Here are a few observations and lessons learned from The American Banker M&A Annual Review for 2002. It is discussed that issues begin to emerge related to pricing, terms, scope of representations and warranties, and indemnification obligations. The lesson is to take time up front in lining up the players...
- White papers 2002-12-01
- Revised Regulations Govern Employers With Federal Contracts Or Subcontracts
- From the executive summary: ‘Two significant new requirements apply to many employers that have a contract or subcontract with the Federal government. First, revised regulations redefine the components that Federal non-construction contractors and subcontractors must include in their annual written Affirmative Action Program (AAP). Second, the Office of Federal Contract...
- White papers 2001-06-01
Additional Resources
- Dotronix Announces Annual Meeting to Be Held on December 8, 2004
- ST. PAUL, Minn. -- DOTRONIX, INC. (OTCBB:DOTX) announced today that it would hold its Annual Meeting on December 8, 2004. The meeting will be held at the offices of Fredrikson & Byron, P.A., U.S. Bank Plaza, Suite 4000, 200 South Sixth Street, Minneapolis, Minnesota. The Company expects to mail its...
- Research articles 2004-10-19
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