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Topic: Thrift institutions

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	EH.Net Encyclopedia: Savings and Loan Industry, US
		Second, thrifts in the nineteenth century were very small; the average BandL held less than $90,000 in assets and had fewer than 200 members, which reflected the fact that these were local institutions that served well-defined groups of aspiring homeowners.
		Thrifts, like banks, suffered from loan losses, but in comparison to their larger counterparts, thrifts tended to survive the 1930s with greater success.
		Although thrifts were given the ability to pay slightly higher rates than banks, the move signaled an end to the days of easy growth for the thrift industry.
	eh.net /encyclopedia/?article=mason.savings.loan.industry.us (3693 words)

	Proposed Rule: Certain Thrift Institutions Deemed Not To Be Investment Advisers; Release Nos. 34-49639, IA-2232; File ...
		Thrifts maintaining their registration under the Advisers Act would also be required to check a box on their Form ADV to indicate that they are actively engaged in business as a thrift institution.
		Thrifts that would be required to maintain their registration under the Advisers Act and that elected to rely on the rule with respect to certain customer accounts would be required to confirm, in an undertaking in their Form ADV (Schedule D), that they will make all trust department records available to Commission examiners, upon request.
		Thrifts that would be required to maintain their registration under the Advisers Act would also be required to check a box on their Form ADV that they are actively engaged in business as a thrift institution.
	www.sec.gov /rules/proposed/34-49639.htm (13368 words)

	Economic Perspectives: Access to FHLBank advances and the performance ... @ HighBeam Research
		Thrifts with most of their reported capital in these forms might not be able to raise noninsured sources of funds in the private sector.
		The total impact on the advances ratio of thrifts in the Dallas district of, say, changes in residential mortgage loans is the sum of the coefficients on the residential mortgage loan ratio, 0.0088, and the residential mortgage loan ratio composite term, -0.0568.
		Thrift stock returns are also sensitive to movements in interest rates, because thrifts typically fail to match the interest rate sensitivity of their assets and liabilities.
	highbeam.com /library/doc0.asp?DOCID=1G1:20950038&... (10185 words)

	Retsinas
		Although the number of thrift institutions continues to decline, overall assets are stable and interest in the thrift charter has been renewed.
		Thrifts are also subject to a variety of risks that are common to most retail-oriented insured depository institutions.
		To ensure that the computer operations of thrifts roll over smoothly at the turn of the century, the OTS is aggressively pursuing a plan intended to ensure Year 2000 compliance by all industry participants, including data processing and other service providers to the industry.
	banking.senate.gov /97_10hrg/102197/witness/retsinas.htm (7521 words)

	Seidman
		Institutions that operate in this manner--by choice and at a profit--should not be forced to alter their focus on community lending simply to conform to new rules and regulations aimed at allowing for larger financial institutions to compete more effectively nationwide and globally.
		In fact, what emerges is a deliberate distinction in the treatment of banks and thrifts and their holding companies based on the fact that thrifts cannot engage in the traditional type of banking activity-unlimited commercial lending--that raises concerns about the mixing of banking and commerce.
		Thrift and SLHC subsidiaries engaged in insurance activities must be licensed and regulated by the appropriate state insurance regulator, and thrift subsidiaries engaged in securities activities must register with the SEC.
	banking.senate.gov /98_06hrg/062598/witness/seidman.htm (6372 words)

	Thrift -- Facts, Info, and Encyclopedia article (Site not responding. Last check: 2007-08-05)
		Thrift is a synonym for frugality or the wise management of (The most common medium of exchange; functions as legal tender) money and resources.
		Thrift is the name of various (A living organism lacking the power of locomotion) plants in the ((biology) taxonomic group containing one or more species) genus Armeria that have pink or white (A plant cultivated for its blooms or blossoms) flowers.
		Thrift was a former brand used by Irish supermarket chain (Click link for more info and facts about Superquinn) Superquinn for its generic grocery products
	www.absoluteastronomy.com /encyclopedia/t/th/thrift.htm (99 words)

	2-8-00, Statement of Ellen Seidman (Site not responding. Last check: 2007-08-05)
		Institutions that continue to fail to implement corrective actions may be subject to an escalating set of formal investigations and enforcement actions.
		An institution that suddenly finds that it cannot liquidate a large block of loans it was planning to sell or securitize may soon face a liquidity crisis arising from depleted reserves to make loans that it is ill-equipped to fund.
		Institutions need to be mindful that their decisions, and how they present decisions to customers and the market, can have broad implications for the health of the institution.
	financialservices.house.gov /banking/2800sei.htm (7189 words)

	Managing Risk in Thrift Institutions: Beyond the Duration Cap
		Even if thrift institutions were exposed only to interest rate risk, gap management using simple duration would be an imperfect method, particularly for callable assets and liabilities.
		An empirical investigation of a sample of large thrifts disclosed that they are exposed to APT factors such as inflation, investor confidence, and the term structure.
		The level of thrift exposure to these risk factors is twice that of the average industrial company and thrifts also exhibit an unusually large amount of non-systematic risk.
	repositories.cdlib.org /anderson/fin/13-88 (189 words)

	Office of Thrift Supervision
		The Office of Thrift Supervision (OTS) is the primary regulator of all federally chartered and many state-chartered thrift institutions, which include savings banks and savings and loan associations.
		OTS was established as a bureau of the U.S. Department of the Treasury on August 9, 1989, and has four regional offices located in Jersey City, Atlanta, Dallas, and San Francisco.
		OTS is funded by assessments and fees levied on the institutions it regulates.
	www.ots.treas.gov (177 words)

	K&LNG : Kirkpatrick & Lockhart Nicholson Graham LLP : Practices and Industries : Financial Institutions (Site not responding. Last check: 2007-08-05)
		Acted as outside counsel to a troubled depository institution in conducting an independent investigation of potential causes of action for losses suffered by the institution.
		Acted as special counsel to a depository institution in conducting an independent investigation of potential irregularities in the public solicitation of proxies.
		Advised depository institutions in connection with their responses to critical examination reports, requests for consents to cease and desist orders, capital directives, and appointments of conservators or receivers.
	www.klng.com /practices/practices_detail.asp?id=000002079003 (1505 words)

	Find in a Library: Legislation to establish the National Thrift Institutions Commission (H.R. 4894) : hearing before ...
		Find in a Library: Legislation to establish the National Thrift Institutions Commission (H.R. 4894) : hearing before the Subcommittee on General Oversight and Investigations of the Committee on Banking, Finance, and Urban Affairs, House of Representatives, One-hundredth Congress, second session on H.R. August 2, 1988.
		Legislation to establish the National Thrift Institutions Commission (H.R. 4894) : hearing before the Subcommittee on General Oversight and Investigations of the Committee on Banking, Finance, and Urban Affairs, House of Representatives, One-hundredth Congress, second session on H.R. August 2, 1988.
		Thrift institutions -- Law and legislation -- United States.
	worldcatlibraries.org /wcpa/ow/b4f63a2604f7bd45a19afeb4da09e526.html (143 words)

	MSN Encarta - Search Results - Thrift Institutions
		Thrift Institutions, savings and loan associations and savings banks, financial institutions whose purpose is to accept deposits and make loans,...
		Credit unions, SLAs, and savings banks help encourage thriftiness by paying interest to consumers who put their money in savings deposits....
		Thrift Supervision, Office of (OTS), agency of the U.S. Department of the Treasury, created by the Financial Institutions Reform, Recovery, and...
	encarta.msn.com /Thrift_Institutions.html (126 words)

	FDIC: Looking for the Best Mortgage
		Home loans are available from several types of lenders--thrift institutions, commercial banks, mortgage companies, and credit unions.
		Brokers will generally contact several lenders regarding your application, but they are not obligated to find the best deal for you unless they have contracted with you to act as your agent.
		It is usually required for loans in which the down payment is less than 20 percent of the sales price or, in a refinancing, when the amount financed is greater than 80 percent of the appraised value.
	www.fdic.gov /consumers/looking (2605 words)

	Federal Trade Commission
		Home loans are available from several types of lenders—thrift institutions, commercial banks, mortgage companies, and credit unions.
		Thrift institution is a general term for savings banks and savings and loan associations.
		Different institutions may have different names for some fees and may charge different fees.
	www.ftc.gov /bcp/conline/pubs/homes/bestmorg.htm (2610 words)

	FRB: Thrift Institutions Advisory Council (Site not responding. Last check: 2007-08-05)
		The Thrift Institutions Advisory Council (TIAC) was established in 1980 by the Board of Governors to provide information and views on the special needs and problems of thrift institutions.
		Unlike the Federal Advisory Council and the Consumer Advisory Council, TIAC is not a statutory body, but it performs a parallel function in providing first-hand advice from representatives of institutions that have an important relationship with the Federal Reserve.
		The twelve members are representatives from savings and loan institutions, mutual savings banks, and credit unions.
	www.federalreserve.gov /generalinfo/adviscoun/tiac.htm (118 words)

	Bad Credit OK For Michigan Bad Credit (Site not responding. Last check: 2007-08-05)
		Home loans are available from several types of lenders--thrift institutions.
		just as you should with banks or thrift institutions.
		What type of mortgage you choose will depend on your individual needs as well as the limits set by whatever lending institution that you are using to finance your mortgage.
	www.point-mortgage.com /articles/101-Michigan-bad-credit-mortgage.html (1299 words)

	Best Book Buys - Thrift institutions Books (Site not responding. Last check: 2007-08-05)
		Saving the Savings and Loan: The U.S. Thrift Industry and the Texas Experience, 1950-1988
		Crisis Resolution in the Thrift Industry: A Mid America Institute Report
		Taxation and Regulation of Bank and Thrift Acquisitions
	www.bestwebbuys.com /Economics_General-N_10003377-books.html (147 words)

	Money Market Certificate and Deposit Account as supplied by EagleTraders.com
		Certificates authorized for commercial banks and thrift institutions with minimum denominations originally at $10,000 and reduced to $2,500; interest rate based on the 26-week U.S. Treasury bill rate.
		A savings account authorized in 1982 under the Depository Institutions Deregulation Act (Garn-St. Germain Act).
		MMDAs are in effect a relatively high-yielding, liquid savings account with no interest rate ceiling.
	www.eagletraders.com /advice/securities/money_market_certificate.htm (185 words)

	Re: Unitary thrift institutions (Site not responding. Last check: 2007-08-05)
		Money, Banking and Credit Sum II Home
		Ryan: I am not familiar with unitary thrift institutions.
		I was hoping someone in class might but apparently not.
	www2.tltc.ttu.edu /hein/_SumII3323/00000090.htm (38 words)

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