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  Publications

Putting Your Home on the Loan Line is Risky Business

This brochure, developed by the Interagency Task Force on Fair Lending, alerts consumers to potential borrowing pitfalls and provides tips for getting the best financing deal possible. This brochure is provided on the web site so that consumer groups, financial institutions, agencies, and other organizations can download and print copies for distribution to their clients and customers. It includes a space on the back panel for organizations to provide their own contact information.

Handbooks   [other publications]  

Applications Processing Handbook

This handbook contains guidance on how to process and analyze thrift and holding company applications. It was developed to provide guidance to OTS offices that deal with delegated application decisions. Applications that follow these formalized and documented procedures can be processed in an expedited manner that ensures completeness, uniformity, and compliance with national standards and procedures.

Date of Current Edition: April 2001 - with revisions through March 2004
Available only on the OTS website: http://www.ots.treas.gov/Handbooks/Applications Processing

Compliance Activities Handbook

This handbook is used to evaluate a savings association's compliance with fair lending, consumer protection, and public interest laws and regulations, such as the Equal Credit Opportunity Act, Community Reinvestment Act, Truth in Lending Act, and Bank Secrecy Act. The latest edition reflects OTS's streamlined compliance examination approach, which places primary emphasis on assessing an association's ability to manage its compliance responsibilities. Sections of the handbook have been updated to incorporate recent changes to the laws. Discussions of the regulations, along with the examination procedures and checklists, will be particularly useful to savings associations in managing their compliance programs.

Date of Current Edition: 12/99 - with revisions through January 2004
Available only on the OTS website: http://www.ots.treas.gov/Handbooks/Compliance Activities

Federal Financial Institutions Examination Council (FFIEC) Information Technology Examination Handbook

Published by the Federal Financial Institutions Examination Council and used by financial regulatory agencies, including the Office of Thrift Supervision, this is a guide for conducting information technology examinations at financial institutions and technology service providers. It includes standards and guidelines regarding sound information technology internal control practices.

Date of Current Edition: 2004
Available only on the FFIEC website: http://www.ffiec.gov/guides.htm (Link to an External Website) (01/23/2004)

Holding Companies Handbook

This handbook deals with areas of particular interest when reviewing holding company operations. It affirms the current approach to the supervision and examination of holding companies given existing statutory and regulatory requirements. It focuses on methods to identify risks to thrift institutions from holding company activities.

Date of Current Edition: 12/02 - with revisions through July 2004
Available only on the OTS website: http://www.ots.treas.gov/Handbooks/Holding Companies

Thrift Activities Handbook

This handbook addresses all of the major areas of concern to examiners and supervisors regarding the safety and soundness of OTS-regulated institutions. The handbook includes specific examination objectives and procedures and is organized according to CAMELS areas (Capital, Asset Quality, Management, Earnings, Liquidity, and Sensitivity to Market Risk). The Other Activities chapter addresses topics such as Subordinate Organizations, Nondeposit Investment Products, Insurance, and Real Estate Development.

Date of Current Edition: 1994 - with revisions through January 2004
Available only on the OTS website at: http://www.ots.treas.gov/Handbooks/Thrift Activities

Thrift Financial Report Instruction Manual / Financial Reporting Bulletin

This manual is used by savings associations in the preparation of the Thrift Financial Report (TFR) and is also used by analysts and other users of TFR data. It provides detailed instructions on completing the TFR forms. The TFR is filed electronically each quarter by all OTS-supervised institutions. For questions or comments concerning the forms and instructions, contact OTS at tfr.instructions@ots.treas.gov

Financial Reporting Bulletin- a quarterly publication by the Financial Reporting Division of the Office of Thrift Supervision. Its purpose is to provide the TFR preparer with reporting information and guidelines and to transmit updates to the TFR Instruction Manual.

Date of Current Edition: 03/04 with September 2004 Financial Reporting Bulletin
Available on the OTS Website: http://ots.treas.gov/Handbooks/TFR Manual

OTS Trust and Asset Management Handbook

This handbook is used by OTS to examine savings associations and subsidiaries that engage in trust activities. Revised to reflect OTS's risk-focused approach to the examinations process, the handbook provides detailed guidance for examiners in planning and conducting examinations, preparing reports, and taking appropriate enforcement actions. The book discusses the duties, risks, and potential liabilities of providing trust services and summarizes the laws, regulations, and standards of fiduciary conduct applicable to savings associations acting as trustee. Examination policies and procedures are also included for such functions of a trust department as supervision and management, operations and internal controls, audit, and asset and account administration.

Date of Current Edition: November 2003
Available only on the OTS website: http://www.ots.treas.gov/Handbooks/Trust and Asset Management

Compliance: A Self-Assessment Guide

This guide helps thrifts develop or improve internal policies and programs to ensure compliance with fair lending, consumer protection, and public interest laws and regulations, such as the Bank Secrecy Act, Truth in Lending Act, Bank Protection Act, and Community Reinvestment Act. Savings associations may use the guide to evaluate their current compliance policies and procedures, to develop a comprehensive compliance program, or to enhance an existing one. (See also Compliance Activities Handbook.)

Date of Current edition: 10/99 - with revisions through December 2002
Available only on the OTS website: http://www.ots.treas.gov/Handbooks/Compliance Self-Assessment

Other Publications [handbooks]

Bulletins

Thrift and Regulatory Bulletins, issued periodically by the Office of Thrift Supervision, provide guidance to regulated institutions and regulatory personnel on policies, procedures, and matters of concern to the thrift industry. Transmittals and CEO Memos are published periodically to inform regulated institutions and other interested parties of proposed legislation, final and proposed rules, policy statements, and other regulatory developments.

These Bulletins were previously offered in hard copy by subscription. Effective January 1, 2004 we are no longer publishing our Bulletins in hard copy. You may access them through our website by clicking on the links above. You can also be notified by email when a specific Bulletin is published by subscribing to our free email notification on our website at http://www.ots.treas.gov/subscription/.

Quarterly Financial Results and Condition of the Thrift Industry

This report contains operating results and key financial performance indicators for all private sector SAIF-insured savings institutions. It also includes quarterly updates on OTS's four-group supervisory rating system. Data are presented nationally and by OTS Region and state.

The Quarterly Financial Results and Condition of the Thrift Industry was previously offered in hard copy by subscription. Effective January 1, 2004 we are no longer publishing this Report in hard copy. You may access this Report through our website by clicking on the link above. You can also be notified by email when this Report is published by subscribing to our free email notification on our website at http://www.ots.treas.gov/subscription/.

Aggregated Thrift Financial Report

This quarterly report provides consolidated thrift financial figures for the U.S. and individual states. Each report includes a statement of condition, statement of operations, and information on valuation allowances, cash flow, and equity capital. The information is organized by OTS Region.

Effective January 1, 2004 the Aggregated Thrift Financial Report is no longer available in hard copy. You may access this Report through our website by clicking on the link above. You can also be notified by email when this Report is published by subscribing to our free email notification on our website at: http://www.ots.treas.gov/subscription/.

Aggregate Interest Rate Risk Exposure and CMR Report (previously Aggregated CMR Report)

The quarterly Aggregated CMR Reports, now called Aggregate Interest Rate Risk Exposure and CMR Report, were previously offered in hard copy by subscription. Effective January 1, 2004 we are no longer publishing this Report in hard copy. You may access this Report through our website by clicking on the link above. You can also be notified by email when this Report is published by subscribing to our free email notification on our website at http://www.ots.treas.gov/subscription/. The report is published approximately 90 days after reporting quarter end date.

OTS Net Portfolio Value Model

This manual explains the computer model used by OTS to assess interest rate risk at thrift institutions and to calculate their interest rate risk capital component. The manual contains information both for readers interested in a general discussion of OTS's approach to measuring interest rate risk and for those seeking a more detailed technical description.

Date of Current Edition: 3/00; 4/01 update
Also available on the OTS website: http://www.ots.treas.gov/Handbooks/OTS Net Portfolio Value Model

Summary of Deposits in SAIF-Insured OTS Regulated Associations

The Summary of Deposits contains deposit data for more than 85,000 branches/offices of FDIC-insured institutions. The Federal Deposit Insurance Corporation (FDIC) collects deposit balances for commercial and savings banks as of June 30 of each year, and the Office of Thrift Supervision (OTS) collects the same data for savings institutions. Data are collected annually. Users can access data by: (1) single institution, (2) institutions within a geographic area, or (3) aggregated within a geographic area.

Available through the FDIC website at: http://www2.fdic.gov/sod/ (Link to an External Website) (01/11/2002)

OTS Telephone Book

Contains such information as OTS organizational structure, agency senior management listings, addresses and FAX numbers for OTS Washington, regional, and area offices, and alphabetical listings of all OTS employees.

Contact Norma Waters by email at Norma.Waters@ots.treas.gov.

Selected Asset and Liability Price Tables

Published approximately three weeks after the end of each quarter, these tables list the estimated market values of various financial instruments in the current interest rate environment and eight alternate rate environments, as calculated by the OTS Market Value Model. This publication is available on the OTS Website at http://www.ots.treas.gov/Statistical Releases/Asset and Liability Price Tables

Corporate Directory of OTS Regulated Associations

A searchable database of institutions which are regulated by the Office of Thrift Supervision is available on the OTS Website at http://www.ots.treas.gov/Corporate Directory .

For questions regarding any publication, contact Norma Waters at Norma.Waters@ots.treas.gov.

 

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