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Recent Posts

  • Subchapter S Bank Association 26th Annual Conference April 25, 2023
  • Subchapter S Bank Association Webinar March 14, 2022
  • Calling All Bank Directors September 29, 2021
  • Subchapter S Bank Association 24th Annual Conference May 10, 2021
  • Updated Summary of Key Provisions HR 748 April 4, 2020

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Dodd-Frank

August 3, 2015

Community Bank Sensible Regulation Act

Senator Susan M Collins [R-ME] on July 21, 2015 introduced S. 1799, The Community Bank Sensible Regulation Act. The legislation would allow for . . .

Dodd-Frank, regulations, Volker Rule

July 19, 2014

Assessing the Impact of the Dodd-Frank Act Four Years Later

On Wednesday, July 23, 2014, the House Financial Services Committee will hold a hearing entitled “Assessing the Impact of the Dodd-Frank Act Four . . .

Dodd-Frank

July 14, 2014

Increasing Sub S Banks Access to Capital

The Subchapter S Capital Access Coalition and Task Force has been organized for the specific purpose of increasing opportunities for banks, thrifts, trust companies and their parent holding companies that have elected Subchapter S federal tax treatment to raise capital and ensure the health and future success of their organizations. Our goal is to enact legislation that would (i) allow Subchapter S banks to issue “qualified preferred stock” and (ii) increase the maximum number of allowable S corporation bank shareholders from 100 to 500. Both measures are designed to enable S corporation banks, the majority of which are community banks, to significantly improve their ability to access vital sources of capital already available to other types of financial institutions. Given the significant limitations S corporation banks face in raising capital and the continued challenges associated with the economy and increasing regulation, both measures would alleviate many of the concerns currently facing S corporation banks.

capital, Dodd-Frank, Preferred Stock, shareholders

July 9, 2014

Subchapter S Bank Association Mounts Grassroots Legislative Initiative

All too often Washington completely forgets about Subchapter S banks and their special needs and circumstances. We’ve seen it first-hand with the original . . .

capital, Dodd-Frank, Preferred Stock, shareholders, task force

March 25, 2014

Basel III Capital Rule for Subchapter S Banks

On behalf of the Subchapter S Bank Association we have sent a letter to Chair Yellen, Comptroller Curry and Chairman Gruenberg expressing our continued concern regarding the unequal treatment depository institutions and their holding companies that elect to be taxed under Subchapter S of the Internal Revenue Code (IRC) receive compared to their peers taxed under Subchapter C, especially when considered in the context of the capital conservation buffer rules presently contained in Basel III and regulatory dividend restriction policy.

Basel III, Dodd-Frank, S Corp Banks

March 6, 2014

Are Small Banks Effected by Dodd-Frank?

A study was recently published by The Mercatus Center at George Mason University on the effects of Dodd-Frank on small banks, defined as banks with less than $10 billion in assets each serving mostly rural and small metropolitan areas. The 96 question, web based survey relied on responses from about 200 banks across 41 states and was conducted between July 2013 and September 2013. A large majority (65.6%) of respondents viewed Dodd-Frank as more burdensome than the Bank Secrecy Act, and the participating banks reported substantially increased compliance costs in the wake of new regulations.

Dodd-Frank

February 7, 2014

CFPB Considers Expanding HMDA Reporting Requirements

CFPB is questioning whether to increase the data collected under the Home Mortgage Disclosure Act to better monitor trends and abuses in the market. This would possibly requiring lenders to explain why they rejected a loan and whether they thought it was a so-called “qualifying mortgage.” In addition, financial institutions would have disclose an applicant’s debt-to-income ration, the interest rate, the total origination charges, and the total discount points of the loan.

Dodd-Frank, mortgage loans, qualified mortgage

December 13, 2013

Agencies Final Rule to Exempt Subset of Higher-Priced Mortgage Loans from Appraisal Requirements

Six federal financial regulatory agencies today issued a final rule that creates exemptions from certain appraisal requirements for a subset of higher-priced mortgage loans. The exemptions are intended to save borrowers time and money while still ensuring that the loans are financially sound.

Dodd-Frank, mortgage loans

November 19, 2013

Agencies Release a Regulatory Capital Estimation Tool for Community Banks

The federal bank regulatory agencies today released an estimation tool to help community banks understand the potential effects of the recently revised regulatory capital framework on their capital ratios. The revised framework implements the Basel III regulatory capital reforms and certain changes required by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.

Basel III, community banking, Consumer Protection Act 2010, Dodd-Frank, FDIC, Federal Reserve, OCC

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Subchapter S Bank Association

112 East Pecan St., Suite 2810
San Antonio, TX 78205
Phone: 210-228-9500
Fax: 210-228-0781

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