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Not all migrants send remittances. In order to understand the variations in remittance behaviour, it is useful to consider various characteristics of the sender, such as age, gender, occupation, length of stay, and educational and income levels. The amount depends on the migrants’ family situation and tends to be higher when ties are closer. Migrants who remit the most (and most often) are generally of working age, have children or parents remaining in their countries of origin and have stayed in the country of settlement long enough to earn sufficient income to both support themselves and be able to remit something (Hugo 1998). When a migrant is joined by his/her family, the likelihood of. | Key Differences Between National Bank Regulatory Requirements and Federal Savings Association Regulatory Requirements Table of Contents FOREWORD.7 I. GENERAL POWERS AND OPERATIONAL REQUIREMENTS Lending Investment Powers. 1 Nonresidential Real Property Loans. 3 General Lending Limit Loans to One Borrower. 4 Additional Lending Limit for Residential Real Estate Loans Small Business Loans and Small Farm Loans. 5 Qualified Thrift Lender. 6 Dividends Capital Distributions. 8 Investment in Bank Premises. 11 REO OREO. . 12 Real Estate Development. 14 Asset Classification. 14 Interest-Rate Risk Management Procedures. 14 Federal Reserve Bank Federal Home Loan Bank Membership. 15 Business Plan Modifications for Federal Savings Associations and Banks. 15 Transactional Web Site. 16 II. INSIDER ISSUES Changes in Director and Senior Executive Officers Section 914 Notices . 17 Regulation O and Regulation W. 17 Employment Contracts. 18 Conflicts of Interest. 19 Usurpation of Corporate Opportunity. 20 Loan Procurement Fees. 20 III. CORPORATE GOVERNANCE ISSUES Indemnification. 21 Board Composition Requirements. 22 Qualifying Shares or Membership. 23 Corporate Title. 24 IV. SUBSIDIARIES AND NONCONTROLLING INVESTMENTS Operating Subsidiaries. 24 Bank Service Companies. 26 Service Corporations. 26 Financial Subsidiaries. 27 Pass-Through Investments Noncontrolling Investments. 28 Separate Corporate Identities. 30 ii FOREWORD This document is designed to provide guidance to assist in understanding the OCC s authority to supervise both national banks and federal savings associations. It is not meant to provide a comprehensive analysis of all the regulations or policies applicable to or the powers of these institutions but rather to provide a brief guide to some of the key differences. The guide contains references to relevant statutes and regulations including OTS regulations reissued as part of the Code of Federal Regulations codified at 12 CFR 100-199. Over time the OCC will be .
