Reference - General

Between February 2011 and May 2012, BJS completed the third National Inmate Survey (NIS-3) in 233 state and federal prisons, 358 jails, and 15 special confinement facilities operated by Immigration and Customs Enforcement (ICE), the U.S. Military, and correctional authorities in Indian country. The...

This booklet addresses the fundamentals of securities custody and related services, and provides guidance for examining those activities in national banks. One of a series of specialized asset management booklets in the Comptroller's Handbook, the booklet supplements the overall guidance in the "Asset Management...

The credit card has evolved over the last thirty years into one of the most accepted, convenient, and profitable financial products. It is accepted by millions of consumers and merchants worldwide as a routine means of payment for all varieties of products and services.Author:...

The Community Reinvestment Act encourages each insured depository institution covered by the act to help meet the credit needs of the communities in which it operates. The CRA requires that each federal financial supervisory agency assess the record of each covered depository institution in...

Financial institutions increasingly do business abroad to diversify and expand their sources of revenue and profitability. This strategy exposes the bank to country risk and raises the potential for financial loss. Country risk is the risk that economic, social, and political conditions and events...

Between February 2012 and September 2012, the Bureau of Justice Statistics completed the second National Survey of Youth in Custody (NSYC-2) in 273 state-owned or -operated juvenile facilities and 53 locally or privately operated facilities that held adjudicated youth under state contract. The survey...

Part 1-Operating in Indian Country provides background information about legal issues involving Native Americans and Indian land. Part 2- Residential Mortgage Lending Process highlights steps in the mortgage lending process unique to Indian Country. Part 3 - Types of Mortgage Loan Programs describes various...

A bank that provides asset management services for clients may be required to manage a variety of actual or potential conflicts of interest. Conflicts of interest and self-dealing transactions normally arise whenever the bank's ability to act exclusively in the best interest of account...

At year end 2008, deferral and state correctional authorities had jurisdiction over 1,610,446 prisoners. Jurisdiction refers to the legal authority over a prisoner, regardless of where the prisoner is held.Author: U. S. Department of JusticeISBN-10: 1502887584ISBN-13: 9781502887580Publisher: Createspace Independent Publishing PlatformLanguage: EnglishPublished: 10/19/2014Pages: 46Format:...

On November 25, 2002, President George W. Bush signed into law the Homeland Security Act of 2002. One provision of this Act abolished the Bureau of Alcohol, Tobacco and Firearms and created two new bureaus, the Bureau of Alcohol, Tobacco, Firearms and Explosives, which...

On November 17, 2003, Attorney General John Ashcroft announced the U.S. Department of Justice's Body Armor Safety Initiative in response to concerns from the law enforcement community regarding the effectiveness of body armor in use.Author: Sarah V. HartISBN-10: 1502893231ISBN-13: 9781502893239Publisher: Createspace Independent Publishing PlatformLanguage:...

Ms. Rose explained that NIJ wants to develop comprehensive, on-the-mark research agendas and thus sought input and expertise from people at this meeting. She noted that domestic violence, sexual assault and stalking are all recognized as crimes of violence against women and that stalking...

The prisoner population in the United States in 2012 declined for the third straight year, from 1,599,000 at yearend 2011 to 1,570,400 at yearend 2012. On December 30, 2012, the number of persons sentenced to serve more than 1 year (1,511,500) in state or...

Overall, 67.8% of the 404,638 state prisoners released in 2005 in 30 states were arrested within 3 years of release, and 76.6% were arrested within 5 years of release.Author: U. S. Department of JusticeISBN-10: 1502892871ISBN-13: 9781502892874Publisher: Createspace Independent Publishing PlatformLanguage: EnglishPublished: 10/19/2014Pages: 32Format: PaperbackWeight:...

As we approach the beginning of the 21st century, the United States remains the world's most powerful force for peace, prosperity and the universal values of democracy and freedom. Our nation's challenge- and our responsibility-is to sustain that role by harnessing the forces of...

The great struggles of the twentieth century between liberty and totalitarianism ended with a decisive victory for the forces of freedom-and a single sustainable model for national success: freedom, democracy, and free enterprise. In the twenty-first century, only nations that share a commitment to...

The "National Military Strategy" conveys my message to the Joint Force on the strategic direction the Armed Forces of the United States should follow to support the National Security and Defense Strategies in this time of war. This document describes the ways and means...

The National Military Strategy (NMS) to Combat Weapons of Mass Destruction (WMD) is derived from the Department of Defense's (DOD) mission to dissuade, deter and defeat those who seek to harm the United States, its allies, and partners through WMD use or threat of...

This guidprovides an overview of the national banking system, its regulation, and the Office of the Comptroller of the Currency (OCC).Author: Comptroller of the CurrencyISBN-10: 1502874318ISBN-13: 9781502874313Publisher: Createspace Independent Publishing PlatformLanguage: EnglishPublished: 10/19/2014Pages: 38Format: PaperbackWeight: 0.25lbsSize: 11.02h x 8.50w x 0.08d

The 2007 National Money Laundering Strategy is a direct response to the first U.S. Government-wide money laundering threat assessment released in December 2005.Author: United States Postal ServiceISBN-10: 1502875268ISBN-13: 9781502875266Publisher: Createspace Independent Publishing PlatformLanguage: EnglishPublished: 10/19/2014Pages: 114Format: PaperbackWeight: 0.62lbsSize: 11.02h x 8.50w x 0.24d

Today, the dual banking system, which has been a hallmark of banking in the United States for nearly 200 years, is under attack, as many states have attempted to assert legislative and enforcement authority over national banks in a way that contradicts constitutional principles...

Following a large increase in depository institution Suspicious Activity Report filings on mortgage loan fraud, the Financial Crimes Enforcement Netwirk issued in a report in November 2006 describing trends and patterns shown in SARs reporting suspected mortgage loan fraud filed between April 1, 1996...

This Bank Secrecy Act/Anti-Money Laundering Examination Manual for Money Services Businesses provides guidance to examiners for performing Bank Secrecy Act (BSA) examinations.Author: Financial Crimes Enforcement NetworkISBN-10: 1502874148ISBN-13: 9781502874146Publisher: Createspace Independent Publishing PlatformLanguage: EnglishPublished: 10/19/2014Pages: 162Format: PaperbackWeight: 0.86lbsSize: 11.02h x 8.50w x 0.35d

This report highlights key findings of an assessment conducted by the Financial Crimes Enforcement Network of Suspicious Activity Report filings in the one-year period from May 2, 2006 through May 1, 2007 by insurance companies regarding suspected money laundering and other financial crimes.Author: Financial...

Identity theft is a crime rarely committed as an end in itself. Instead, identity theft is nearly always a means of facilitating another crime-usually a financial crime that enriches the perpetrator at the expense of individuals, businesses, financial institutions, or government agencies.Author: Financial Crimes...

Gaming institutions covered by FinCEN's regulations submitted 74,816 Suspicious Activity Report by Casinos and Card Clubs (SAR-C) filings from 2004 through June 2011. Dollar amounts reported in these filings totaled $1.77 billion. Annual filings consistently increased, while total dollar amounts fluctuated from year to...

The CDFI Fund has always strived to dedicate as many resources to the CDFI industry as possible. In 2012, we had our largest award round for our flagship CDFI Program in history, while behind the scenes we were reducing our administrative costs through more...

Community Development Financial Institutions or CDFIs emerged in response to a lack of access to responsible and affordable credit and capital in minority and economically distressed communities.Author: U. S. Department of the TreasuryISBN-10: 1502861577ISBN-13: 9781502861573Publisher: Createspace Independent Publishing PlatformLanguage: EnglishPublished: 10/23/2014Pages: 44Format: PaperbackWeight: 0.28lbsSize:...

The primary source of revenue for most commercial banks and federal savings associations (collectively, banks) is the extension of credit, an activity that concurrently poses a risk to earnings and capital. A bank's credit risk activities, when prudently measured, monitored, and controlled, benefit shareholders,...

The OCC assures that the provision of banking services by national banks is consistent with legal and ethical standards of fairness and corporate citizenship. It performs that obligation by encouraging banks to establish effective compliance management systems and emphasizing that bank management ensure that...

Few retail consumer businesses can keep their doors open for long if they fail to attract and retain new customers. In the increasingly competitive financial services marketplace, banks and their nonbank competitors know well that today's overlooked business opportunities may be tomorrow's missed profits...

The Financial Crimes Enforcement Network (FinCEN) has statutory responsibility as administrator of the Bank Secrecy Act (BSA), and under multiple sections of the USA PATRIOT Act1, to safeguard the financial system from the abuses of financial crime, including terrorist financing, money laundering, and other...

Determining the adequacy of a bank's capital is important, not only to assess the strength of an individual bank, but also to evaluate the safety and soundness of the entire banking system. The OCC is also required to analyze capital adequacy in taking action...

The Financial Crimes Enforcement Network (FinCEN) is engaged in a variety of initiatives to ensure that our mission as administrator of the Bank Secrecy Act (BSA) is carried out in the most efficient and effective manner possible. In furtherance of these goals, FinCEN initiated...

The Secretary of the Treasury (Secretary) reports to Congress annually on the Federal government's outstanding non-tax receivables and debt collection activities. As required by Federal law (31 U.S.C. 3719), this report includes information that Federal agencies provide to the Secretary on the status of...

The financial crisis has impacted every American. It has presented not only fraud and deception in the finance and housing markets that helped fuel the crisis, but also the potential for fraudulent schemes to misuse the public's unprecedented investment in economic recovery. While we...

Good decisions begin with good information. A bank's board of directors needs concise, accurate, and timely reports to help it perform its fiduciary responsibilities. This booklet describes information generally found in board reports, and it highlights "red flags"-ratios or trends that may signal existing...

The Secretary of the Treasury (Secretary) reports to Congress annually on the Federal government's outstanding non-tax receivables and debt collection activities. As required by Federal law (31 U.S.C. 3719), this report includes information that Federal creditor agencies provide to the Secretary on the status...

TTB Wine Industry Seminar-Trade Investigations Division-2010Author: Department of the TreasuryISBN-10: 1502846209ISBN-13: 9781502846204Publisher: Createspace Independent Publishing PlatformLanguage: EnglishPublished: 10/19/2014Pages: 176Format: PaperbackWeight: 0.93lbsSize: 11.02h x 8.50w x 0.38d

The number of depository institution Suspicious Activity Report (SAR) filings reporting commercial real estate financing fraud (hereinafter "CRE fraud") almost tripled between 2007 and 2010, reflecting the challenges facing the commercial real estate (hereinafter "CRE") sector and the ever-present opportunity for fraud. In contrast...

In 1994, the Community Development Financial Institutions Fund was created for the purpose of promoting economic revitalization and community development through investment in and assistance to Community Development Financial Institutions.Author: Department of the TreasuryISBN-10: 1502831546ISBN-13: 9781502831545Publisher: Createspace Independent Publishing PlatformLanguage: EnglishPublished: 10/23/2014Pages: 74Format: PaperbackWeight:...

In June 2004, the Community Development Financial Institutions fund launched the Community Investment Impact System, a web-based data collection system that CDFI Fund awardees use to report their annual performance and compliance information to the fund.Author: United States Department of the TreasuryISBN-10: 1502844451ISBN-13: 9781502844453Publisher:...

3In recent years, a lack of access to affordable housing and other essential community development projects has led to an increased need for alternative and reliable sources of financing for projects that begin to fill this gap.Author: U. S. Department of the TreasuryISBN-10: 1502845016ISBN-13:...

A bank operates as a securities dealer when it underwrites, trades, or deals in securities. Those activities are usually administered in a separtely identifiable trading department; however, the lack of such a department does not preclude a bank's involvement in dealer activities.Author: Comptroller of...

StakeholdersThe Financial Crimes Enforcement Network (FinCEN) seeks to enhance U.S. national security and to make the financial system increasingly resistant to abuse by money launderers, terrorists and their financial supporters, and other perpetrators of crime. In pursuit of these aims, Fin-CEN relies on the...

Suspicious Activity Reports (SARs) provide a valuable tool for regulatory agen-cies and law enforcement seeking to isolate specific instances of potential criminal activity for further investigation and to identify emerging money laundering and terrorism financing trends. These efforts involve government agencies at the Fed-eral,...

National banks may engage in activities that are part of, or incidental to, the business of banking, or are otherwise authorized for a national bank. The business of banking is an evolving concept and the permissible activities of national banks similarly evolve over time....

The Financial Crimes Enforcement Network, a bureau within the Department of the Treasury, is America's financial intelligence unit. Our mission is to safeguard the financial system from the abuses of terrorist financing, money laundering and other financial crime.Author: Financial Crimes Enforcement NetworksISBN-10: 1502830051ISBN-13: 9781502830050Publisher:...

The National Institute of Justice is the only federal agency devoted solely to bringing the benefits of scientific research and technology development to the nation's criminal justice system. We are the research and development arm of the U.S. Department of Justice. Our mission is...

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