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R E GULATORY REFORM UPDATE

R E GULATORY REFORM UPDATE. Buz Gorman Margaret Liu John Ryan March 22-23, 2010. 9% OTS. 18% OCC. M&A Deals Summary. Announced Bank M&A Transactions. Bank M&A Transactions Currently Pending. Completed Bank M&A Transactions. Terminated Bank M&A Transactions. Capital Offerings Summary.

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R E GULATORY REFORM UPDATE

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  1. REGULATORY REFORM UPDATE Buz Gorman Margaret Liu John Ryan March 22-23, 2010

  2. 9% OTS 18% OCC

  3. M&A Deals Summary

  4. Announced Bank M&A Transactions

  5. Bank M&A Transactions Currently Pending

  6. Completed Bank M&A Transactions

  7. Terminated Bank M&A Transactions

  8. Capital Offerings Summary

  9. Announced Bank Capital Offerings

  10. Pending Bank Capital Offerings

  11. Financial Regulatory Reform • House • Wall Street Reform and Consumer Protection Act of 2009 • Approved by House 223 to 202 • Senate • Latest Dodd Bill released last Monday • Over 1,300 pages • Mark-Up begins Monday afternoon • Chairman Dodd’s Goal: report out before the end of this week

  12. Financial Stability and Prudential Supervision Federal Financial Regulatory Structure

  13. Financial Stability and Prudential Supervision Federal Financial Regulatory Structure

  14. Financial Stability and Prudential Supervision Federal Financial Regulatory Structure

  15. Financial Stability and Prudential Supervision Systemic Risk Regulation

  16. Financial Stability and Prudential Supervision Too Big to Fail

  17. Financial Stability and Prudential Supervision Too Big to Fail (cont’d)

  18. Financial Stability and Prudential Supervision Enhanced Resolution Authority Over Systemically Significant Firms

  19. Financial Stability and Prudential Supervision Resolution Fund

  20. Financial Stability and Prudential Supervision Federal Exam Fees for State-Chartered Banks

  21. Consumer Financial Protection Structure

  22. Consumer Financial Protection Authorities

  23. Consumer Financial Protection Authorities (cont’d)

  24. Consumer Financial Protection Regulatory Relief for Smaller Institutions

  25. Consumer Financial Protection Coordination with the States

  26. Consumer Financial Protection Registration of Covered Persons

  27. Consumer Financial Protection Applicable State Law

  28. Specific Issues • Expanding State-Federal Coordination • Mandated state-federal coordination across prudential and consumer protection functions • Role of Federal Reserve • Preserving Fed supervision over state-member banks and protecting the role of the Reserve Banks • Ongoing advocacy through CSBS statements and letters, national and regional media, and partners (ICBA, ABA, dialogue with Reserve Banks and Board of Governors)

  29. Specific Issues • Pre-emption • Continue advocacy through CSBS Statements and letters, national and regional media, and partners (NGA, Attorneys General, Consumer Groups) • Constant vigilance against efforts to expand national bank pre-emption and erode state enforcement authorities • Lending Limits • Need to strike language from Senate Bill

  30. Specific Issues • De Novo Branching and Closing the Thrift Loophole in the Deposit Cap • ICBA neutral on branching • Push back from state banking trades

  31. Thank You

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