FDIC TE - Section 1.1 Final Examination Concepts
and Guidelines 2025/2026 Graded A+
Part 335 Reporting Thresholds - Securities Act of 1942
TA > $1M
and 500 shareholders (750 at initiation; 500 ongoing)
What loan problem is this:
Absence sound lending policies, lack of sound credit judgment, lacking margin of security, insufficient
owner equity - Poor Risk Selection
Sales Treatment (Loans)
II RP NR - Isolated Interest
Right to Pledge
No Repurchase
Minimum New Institution Policies Required
FILL - Funds Management
Investment
Loan
Liquidity
State Report Adequacy Criterion
CAED - Completeness
Arrangements
Exam Objectives
Documentation
Purposes of Capital
PRAP - Promote confidence
,Restrict excessive asset growth
Absorb losses
Protect DIF
IT Rating Areas
MADS - Management
Audit
Development and Acquisition
Support & Delivery
Reg O Executive Officers - Cashier
Chairment
VP
Secretary
President
Treasurer
(Or participates in policy making function)
Money Laundering Stages
PLI - Placement
Layering
Integration
Trust Exam Components
MOECA - Management
Operations/Controls/Audit
Earnings
Compliance
Asset Management
,Unsuitable Investment Activities
PAWREG - Pair-offs
Adjusted
When-issued
repositioning repo
extended settlement
gains
shorts
Appraisal Standards
SCUMWADD - State licensed/certified
USPAP
Market Value
Written
Appropriate Deductions/Discounts
Assets w/Embedded Options
examples... - NMDs
Callable Bonds
Structured Notes
Wholesale funds
Derivatives
Mtg Loans
MBS
Specialty Exams
BITGMR - BSA
IT
Trust
Gov't Securities Dealer
Muni Dealers
, Registered Transfer Agent
CRA Factors
CAMEO - Community development
Assess community needs
marketing/credit offered
Evidence of discrimination
Openings/closings of branches
Golden parachute allowed?
4 items - FDIC approves
white knight
consent for 12 months pay severance plan
prudent IAP (no wrongdoing)
Real Estate Lending Policy guidelines
MADUD - Monitoring
Administration
Diversification
Underwriting
Documentation
What loan problem?
No well defined repayment program - Failure to enforce/establish liquidation terms
Concentrations write up format
IERRS - Identification
Economic & competitive factors
Risk profile
Risk mgmt & control
Summary
and Guidelines 2025/2026 Graded A+
Part 335 Reporting Thresholds - Securities Act of 1942
TA > $1M
and 500 shareholders (750 at initiation; 500 ongoing)
What loan problem is this:
Absence sound lending policies, lack of sound credit judgment, lacking margin of security, insufficient
owner equity - Poor Risk Selection
Sales Treatment (Loans)
II RP NR - Isolated Interest
Right to Pledge
No Repurchase
Minimum New Institution Policies Required
FILL - Funds Management
Investment
Loan
Liquidity
State Report Adequacy Criterion
CAED - Completeness
Arrangements
Exam Objectives
Documentation
Purposes of Capital
PRAP - Promote confidence
,Restrict excessive asset growth
Absorb losses
Protect DIF
IT Rating Areas
MADS - Management
Audit
Development and Acquisition
Support & Delivery
Reg O Executive Officers - Cashier
Chairment
VP
Secretary
President
Treasurer
(Or participates in policy making function)
Money Laundering Stages
PLI - Placement
Layering
Integration
Trust Exam Components
MOECA - Management
Operations/Controls/Audit
Earnings
Compliance
Asset Management
,Unsuitable Investment Activities
PAWREG - Pair-offs
Adjusted
When-issued
repositioning repo
extended settlement
gains
shorts
Appraisal Standards
SCUMWADD - State licensed/certified
USPAP
Market Value
Written
Appropriate Deductions/Discounts
Assets w/Embedded Options
examples... - NMDs
Callable Bonds
Structured Notes
Wholesale funds
Derivatives
Mtg Loans
MBS
Specialty Exams
BITGMR - BSA
IT
Trust
Gov't Securities Dealer
Muni Dealers
, Registered Transfer Agent
CRA Factors
CAMEO - Community development
Assess community needs
marketing/credit offered
Evidence of discrimination
Openings/closings of branches
Golden parachute allowed?
4 items - FDIC approves
white knight
consent for 12 months pay severance plan
prudent IAP (no wrongdoing)
Real Estate Lending Policy guidelines
MADUD - Monitoring
Administration
Diversification
Underwriting
Documentation
What loan problem?
No well defined repayment program - Failure to enforce/establish liquidation terms
Concentrations write up format
IERRS - Identification
Economic & competitive factors
Risk profile
Risk mgmt & control
Summary
