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Memos and Guidance

The publications in this section consist of various memos, guidance, and special reports issued by the Department. 

Memos/Guides/Handbooks:

• Applications Manual
• Statement of Policies
• Bank Director Book
• Best Practices for Dealing with Heightened Levels of Asset Quality Issues
• Interagency Guidance: Nontraditional Mortgage Product Risks
• Avoidance of Predatory Mortgage Lending Practices
• Examination Frequency: Qualification for 18-month Exam Cycle
• Memo on Assessing Liquidity
• Guidelines for Policy Development: New Financial Institutions
• Bank Lending Limit Guidelines
• Guide to Local Government Lending
• Annual Fee Assessment Calculator for Banks & Credit Unions
• ACH Authorization and Instructions for Annual Assessment 

Special Reports:

• Bank Deposit Demographics
• State Financial Regulators Roundtable Guide to Financial Services Issues for Senior Citizens
• FFIEC BSA/AML Examination Manual