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The following will be discussed in this chapter: General types of bank regulations, privacy regulations, anti-money laundering and anti-terrorism regulation, community re-investment regulation, deposit account regulation, deposit insurance regulation, consumer protection, withdrawal limit and reserve requirement, | MBF-705 LEGAL AND REGULATORY ASPECTS OF BANKING SUPERVISION OSMAN BIN SAIF Session: SIX Summary of Previous Session Sub Prime mortgage: the main cause of banking crisis 2008 Story telling General Principles of Bank Regulations 2 Agenda of this session General Types of Bank Regulations Privacy Regulations Anti-money laundering and anti-terrorism regulation Community re-investment regulation Deposit account regulation Deposit insurance regulation Consumer protection Withdrawal limit and reserve requirement 3 Agenda of this session (Contd.) Interest on demand deposits Lending Regulations Consumer protection Debt collection Credit cards Lending limits Central bank regulations Regulation of bank affiliates and holding companies 4 Types of Regulations Banks in one form or another have been subject to the following non exhaustive list of regulatory provisions: restrictions on branching and new entry; 5 restrictions on pricing (interest rate controls and other controls on prices or fees); . | MBF-705 LEGAL AND REGULATORY ASPECTS OF BANKING SUPERVISION OSMAN BIN SAIF Session: SIX Summary of Previous Session Sub Prime mortgage: the main cause of banking crisis 2008 Story telling General Principles of Bank Regulations 2 Agenda of this session General Types of Bank Regulations Privacy Regulations Anti-money laundering and anti-terrorism regulation Community re-investment regulation Deposit account regulation Deposit insurance regulation Consumer protection Withdrawal limit and reserve requirement 3 Agenda of this session (Contd.) Interest on demand deposits Lending Regulations Consumer protection Debt collection Credit cards Lending limits Central bank regulations Regulation of bank affiliates and holding companies 4 Types of Regulations Banks in one form or another have been subject to the following non exhaustive list of regulatory provisions: restrictions on branching and new entry; 5 restrictions on pricing (interest rate controls and other controls on prices or fees); line-of-business restrictions and regulations on ownership linkages among financial institutions; 6 Types of Regulations (Contd.) restrictions on the portfolio of assets that banks can hold (such as requirements to hold certain types of securities or requirements and/or not to hold other securities, including requirements not to hold the control of non financial companies); 7 compulsory deposit insurance (or informal deposit insurance, in the form of an expectation that government will bail out depositors in the event of insolvency); capital-adequacy requirements; 8 Types of Regulations (Contd.) reserve requirements (requirements to hold a certain quantity of the liabilities of the central bank); requirements to direct credit to favored sectors or enterprises (in the form of either formal rules, or informal government pressure); 9 expectations that, in the event of difficulty, banks will receive assistance in the form of “lender of last resort”; special rules concerning mergers (not .
