Reference - General

In general, a user fee is related to some voluntary transaction or request for government goods or services, above and beyond what is normally available to the public (such as a national park entrance fee or a license to operate a radio station). We...

The U.S. railroad industry consists mostly of freight railroads but also serves passengers. Freight railroads are divided into classes based on revenue. Class I freight railroads earn the most revenue and generally provide long-haul freight service. Freight railroads operate over approximately 160,000 miles of...

This OCC Mortgage Metrics Report for the fourth quarter of 2013 provides performance data on first-lien residential mortgages serviced by selected national banks and one federal savings association. The mortgages in this portfolio comprise about 49 percent of all first-lien residential mortgages outstanding in...

Interstate compacts are legal agreements between states designed to address issues that transcend state lines. Compacts enable states to act jointly on matters that are beyond the authority of an individual state but are not within the specific purview of the federal government. States...

This OCC Mortgage Metrics Report for the first quarter of 2014 provides performance data on first-lien residential mortgages serviced by selected national banks and one federal savings association. The mortgages in this portfolio comprise 48 percent of all first-lien residential mortgages outstanding in the...

Between 2006 and 2011, Congress initiated two significant efforts to increase public awareness of, and access to, federal spending data: the Federal Funding Accountability and Transparency Act of 2006 (FFATA), and the American Recovery and Reinvestment Act of 2009 (Recovery Act). Both acts mandated...

SBA was created in 1953 to assist and protect the interests of small businesses, in part by addressing constraints in the supply of credit for these firms. The 7(a) program, named after the section of the Small Business Act that authorized it, is SBA's...

The Computer Forensics Tool Testing (CFTT) program is a joint project of the National Institute of Justice (NIJ), the U.S. Department of Homeland Security (DHS), and the National Institute of Standards and Technology Office of Law Enforcement Standards (OLES) and Information Technology Laboratory (ITL)....

A management information system is a system that provides the information necessary to manage an organization effectively. MIS and the information it generates are generally considered essential components of prudent and reasonable business decisionsAuthor: Comtroller of the CurrencyISBN-10: 1502951703ISBN-13: 9781502951700Publisher: Createspace Independent Publishing PlatformLanguage:...

This booklet provides guidance to examiners and bankers on assessing the quantity of liquidity risk exposure and the quality of liquidity risk management. The sophistication of a bank's liquidity management process depends on its business activities and appetite for risk, as well as the...

Lending is the principal business activity for most commercial banks. The loan portfolio is typically the largest asset and the predominate source of revenue. As such, it is one of the greatest sources of risk to a bank's safety and soundness. Whether due to...

This booklet describes the fundamentals of leveraged finance. The booklet summarizes leveraged lending risks, discusses how a bank can prudently manage these risks, and incorporates previous OCC guidance on the subject. One of a series of specialized lending booklets of the Comptroller's Handbook, "Leveraged...

A Lease is an agreement allowing one party to use another's property, plant, or equipment for a stated period of time in exchange for consideration. Leases have become more prevalent as businesses and consumers look for alternatives to finance the acquisition of fixed assets....

This booklet explains the philosophy and methods of the Office of the Comptroller of the Currency (OCC) for supervising the largest and most complex national banks. These banks include large banks as designated by the Senior Deputy Comptroller for Large Bank Supervision in Washington,...

This document is designed to provide guidance to assist in understanding the OCC's authority to supervise both national banks and federal savings associations. It is not meant to provide a comprehensive analysis of all the regulations or policies applicable to or the powers of...

The acceptance and management of financial risk is inherent to the business of banking and banks' roles as financial intermediaries. To meet the demands of their customers and communities and to execute business strategies, banks make loans, purchase securities, and take deposits with different...

The term "money market" generally refers to the markets for short- term credit instruments, such as commercial paper, bankers' acceptances, negotiable certificates of deposit, repurchase agreements, and federal funds. Although not carried in the investment account, such instruments generally are handled by the investment...

This "Insurance Activities" handbook booklet provides information for bankers and national bank examiners on the risks, controls and supervision of national banks' insurance activities by the OCC. This booklet provides examiners guidance on performing appropriate assessments of risks to national banks from insurance activities,...

This booklet contains an overview of the investment management business, its associated risks, and an appropriate risk management framework. It provides national bank examiners with supervisory guidance for examining and monitoring these activities in large banks and, if applicable, community banks. Also included in...

This "Insider Activities" booklet is one of several booklets in the Comptroller's Handbook that will be published under the theme of corporate governance. This booklet provides guidance on how banks may legally and prudently engage in transactions with insiders and implement risk management processes...

This section is designed to assist the examiner in developing an overview of the financial condition and results of operations of a bank through the use of analytical review techniques. It also provides procedures to assist in evaluating the reasonableness and reliability of the...

The National Institute of Justice (NIJ) has welcomed the report by the National Research Council (NRC) of the National Academy of Sciences entitled, Strengthening the National Institute of Justice, released on July 2, 2010. The report offers a significant blueprint for NIJ to move...

This document presents alternatives to across-the-board, alas-and-burn budget cutting. It provides police departments with practical tools for strategic fiscal management in difficult times.Author: Jane WisemanISBN-10: 1502936208ISBN-13: 9781502936202Publisher: Createspace Independent Publishing PlatformLanguage: EnglishPublished: 10/31/2014Pages: 34Format: PaperbackWeight: 0.13lbsSize: 9.02h x 5.98w x 0.07d

The unauthorized absence of a child from the home is a family crisis that requires immediate and collaborative attention. Over the past two decades AMBER Alert Program has grown into a nationally coordinated effort under the Office of Justice Programs, which has significantly improved...

Section 359 - Reporting of Suspicious Activities by Underground Banking Systems (d) REPORT - Not later than 1 year after the date of enactment of this Act, the Secretary of the Treasury shall report to Congress on the need for any additional legislation relating...

This section is intended to provide minimum background and procedural guidelines to examiners responsible for evaluating a bank's foreign currency activities. Within individual banks, foreign currency money market and exchange trading operations may be combined or completely separate with regard to policies, procedures, reporting,...

Floor plan, or wholesale, lending is a form of retail goods inventory financing in which each loan advance is made against a specific piece of collateral. As each piece of collateral is sold by the dealer, the loan advance against that piece of collateral...

Subtle jurisdictional differences influence how women experience civil protective orders. A recent study looked at the impact of civil protective orders for domestic violence victims in five Kentucky jurisdictions.Author: U. S. Department of JusticeISBN-10: 1502933888ISBN-13: 9781502933881Publisher: Createspace Independent Publishing PlatformLanguage: EnglishPublished: 10/31/2014Pages: 36Format: PaperbackWeight:...

The National Flood Insurance Program, the insurance fund that insures borrowers against the risk of loss from flooding, is administered under three statues: the National Flood Insurance Act of 1968/ The Flood Disaster Protection Act of 1973, and title V of the Riegle Community...

The Office of the Comptroller of the Currency's (OCC) Comptroller's Handbook booklet, "Retirement Plan Products and Services," provides comprehensive guidance to examiners and bankers regarding retirement plan products and services offered to customers of national banks and federal savings associations. This booklet explains the...

As the research, development and evaluation arm of the U.S. Department of Justice, the Office of Justice Programs' National Institute of Justice is dedicated to researching crime control and justice issues to help enhance the criminal justice system and increase public safety.Author: U. S....

The Computer Forensics Tool Testing (CFTT) program is a joint project of the National Institute of Justice (NIJ), the research and development organization of the U.S. Department of Justice (DOJ), and the National Institute of Standards and Technology's (NIST's) Office of Law Enforcement Standards...

i Preface During the past year, members of the Information Technology (IT) Government Coordinating Council (GCC) and the IT Sector Coordinating Council (SCC) collaborated to develop the 2010 IT Sector-Specific Plan (SSP). The IT SSP details the progress the IT Sector has made in...

Law enforcement agencies continue to seek alternatives to lethal force and better methods to subdue individuals in order to minimize injuries and death. Less-lethal technologies have been used by law enforcement for this purpose extensively since the early 1990s. As of spring 2010, conducted...

The Computer Forensics Tool Testing (CFTT) program is a joint project of the National Institute of Justice (NIJ), the research and development organization of the U.S. Department of Justice (DOJ), and the National Institute of Standards and Technology's (NIST's) Office of Law Enforcement Standards...

The Gulf of Mexico coastal environment (Gulf Coast) stretches over approximately 600,000 square miles across five U.S. states: Texas, Louisiana, Mississippi, Alabama, and Florida. It is home to more than 22 million people and more than 15,000 species of sea life. This environment has...

The Air Force presently deploys 450 Minuteman III ICBMs in fixed, landbased launch facilities (or "silos"), located on three bases that encompass vast regions of the United States. Three missile wings-the 90th Missile Wing, 91st Missile Wing, and 341st Missile Wing, which fall under...

The Prescription Drug User Fee Act (PDUFA) authorizes the Food and Drug Administration (FDA) to collect user fees for reviewing and processing applications for the approval of certain human drug and biological products. There are generally four types of applications reviewed: New Drug Applications/Biologics...

The environment is changing rapidly. Increases in world population, accompanied by industrialization and other human activities, are altering the atmosphere, ocean, land, ice cover, ecosystems, and the distribution of species over the planet. Understanding these and other global changes, including climate change, is critical...

Examiners use these procedures to evaluate a national bank's compliance with the Fair Housing Act (FH Act), Equal Credit Opportunity Act (ECOA), and the Federal Reserve Board's Regulation B. This booklet contains the Federal Financial Institutions Examination Council's (FFIEC) "Interagency Fair Lending Examination Procedures,"...

A national bank generally establishes a futures commission merchant (FCM) operating subsidiary for one of two reasons. First, a FCM operating subsidiary provides a bank that engages in futures and options transaction flow and reducing transaction costs. Second, establishing a FCM operating subsidiary allows...

The Fair Credit Reporting Act (FCRA) became effective on April 25, 1971. The FCRA is designed to regulate the consumer reporting industry; to place disclosure obligations on users of consumer reports; and to ensure fair, timely, and accurate reporting of credit information. It also...

The expectation that emerging market (EM) economies will continue to expand at a faster rate than those in developed markets provides business incentive for banks to become active in the EM. Several multinational and regional banks have increased their involvement in EM trading activities...

Foreign banking organizations (FBOs) have long conducted banking operations in the United States through branches, agencies, and subsidiaries. With the passage of the International Banking Act (IBA) in 1978, foreign banks could opt to conduct banking operations through a branch or agency licensed by...

A bank's board of directors plays a critical role in the successful operation of the bank. The health of a bank depends on a strong, independent, and attentive board that adopts effective corporate governance practices. The board has the fundamental responsibility of directing the...

The Office on Violence Against Women (OVW) and the National Institute of Justice (NIJ), both components of the United States Department of Justice, convened a roundtable discussion on research on sexual violence on September 8 and 9, 2011, in Arlington, Virginia.Author: National Institute of...

The Prison Rape Elimination Act of 2003 requires the Bureau of Justice Statistics to develop new national data collections of the incidence and prevalence of sexual violence within correctional facilities.Author: U. S. Department of JusticeISBN-10: 150289615XISBN-13: 9781502896155Publisher: Createspace Independent Publishing PlatformLanguage: EnglishPublished: 10/31/2014Pages: 38Format:...

On September 4, 2003, President George W. Bush signed into law the Prison Rape Elimination Act of 2003. The legislation requires the Bureau of Justice Statistics to develop new national data collections on the incidence and prevalence of sexual violence within correctional facilities.Author: U....

On September 4, 2003, President George W. Bush signed into law the Prison Rape Elimination Act of 2003. The legislation requires the Bureau of Justice Statistics to develop new national data collections on the incidence and prevalence of sexual violence within correctional facilities.Author: U....

The Survey of Sexual Violence is an annual collection based on official records that the Bureau of Justice Statistics has conducted since 2004. It is one of a number of BJS data collections that are conducted to meet the mandates of the Prison Rape...