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Macy's Taps IBM, Satisfi for In-Store Shopping Companion
Macy's has introduced 'Macy's On Call,' a new in-store shopping companion fueled by IBM's cognitive computing technology, in 10 stores nationwide.Retail brand Macy's has tapped IBM and Satisfi to deliver a new in-store personalized shopping companion for customers. The new shopping companion, known as "Macy's On Call," is a mobile Web tool Macy's is piloting that enables customers to interact with Watson. Watson is IBM's cognitive computing system that interacts with users via natural language and continues to learn and reason with each use. The Macy's On Call program combines Satisfi's intelligent engagement platform with Watson's cognitive system to help provide customized shopping experiences. The program is being piloted at 10 locations nationwide and will be extended to other locations later on. The system provides customers with information about the individual stores' products, services and facilities to help them navigate the store and find items.
'The 10 pilot stores represent a cross-section of not only products but also geographies. IBM said five of the locations will serve as the base learning stores, where customers will use the companion in a self-service mode. At the other five stores, customers will be able to ask for help from a human Macy's sales associate.
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Days Inn Pittsburgh
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Another Goodbye >>>
But many many happy memories.
It was sad to leave our friends @ Germantown, near Washington. Once again, we are reminded how generous people are with their time and hospitality.
Our journey will now take us in a north-westerley direction with our eventual goal being the Yellowstone National Park in Wyoming before the winter sets in.
On the way we will meet up with some other friends who we last saw in 2003 in Chad's home ...
... town. We took photos for grandpa and had a little look around the town and had some lunch there. We had lunch at an Italian place which was perfecto. I really enjoyed it and I think my family did also. When we got back tot the hotel at about 4. We sat around for a bit then we went to the hotel lobby for dinner which again was another painful ...
... and eggs, so not a huge variety. We headed out in our car at about 10:30 to see some of the addresses that grandpa had left us. The first one we failed to find because the address wasn't there. We spent a good 25 minutes looking around for it. The second two were very close of each other with were easy to find as they are still ...
Anticipating ......
In the final stages of planning our August 24 month long adventure in France. We will be landing in Paris at CDG airport on the morning of the 25th and trying to somehow find our way to the train station where we will get a train to Amiens - our first stop on our adventure.
Want to experience the adventure of traveling without preset places to stay, but geez luize it is kind of scary so am trying to put together a loose itinerary with lots of freedom built in - ...
I'm finally here!
... Incline, originally built in 1877. There used to be 19 of these throughout Pittsburgh but now there are only two left. Prior to their development there was some 450 steps to climb instead! This incline up Mt. Washington operates on the original manual system where the weight on one car pulls/ pushes the second car in the opposite direction. Once at the top, it provides a great view of Pittsburgh's downtown area along with some of the 446 bridges. Why so many bridges ...

subset: commoncrawl


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Has Free Trade with Peru Weakened the Rights of Working People?
This week, the U.S. ambassador to Peru, Brian A. Nichols, discussed the impact of the U.S.-Peru Free Trade Agreement (FTA) in an interview but failed to acknowledge that the increase in exports from Peru to the United States has not created decent work opportunities for Peruvian workers. Increased production has not resulted in higher wages, respect on the job or greater social mobility; instead, export industries have been characterized by poverty wages and rampant labor rights violations.
Nichols told Worldfolio:
The U.S.-Peru FTA was a huge step forward in terms of setting the stage for increased investment in Peru, diversifying Peru's product mix and increasing agricultural trade in particular….When you look at products like avocado, asparagus, blueberries and grapes, those were things that were not a significant part of the U.S. market before and have grown since the FTA.
Unfortunately, the agricultural products from Peru that are increasingly lining America's shelves are directly linked to human rights abuses. The same is true in other export industries like apparel. In July, Peruvian unions and the International Labor Rights Forum (ILRF) filed a complaint under the FTA's labor chapter detailing rampant health and safety violations, retaliation for trying to organize or join a union and the fraudulent use of seasonal and temporary contracts to trap workers in a cycle of poverty. One of the cases discussed in the complaint involves a Walmart supplier called Camposol. After the local union led a strike to demand compliance with their own collective bargaining agreement and Peruvian labor law, the company allegedly filed a frivolous criminal case against the strike leaders. Camposol has simply ignored fines and orders to rectify violations, reflecting a broader lack of institutional commitment to enforce labor rights.
When the United States and Peru signed the FTA, they both committed to uphold fundamental labor rights. But Peru has since engaged in a series of measures to weaken already fragile worker protections, and labor relations in the country are at an all-time low. Peru's minimum wage is the second lowest in South America, and even this miserly standard is not consistently enforced. Peru's workers are not being allowed to share in the gains from trade, while companies use the lack of enforcement to produce at artificially low prices. Exporters gain an unfair advantage, also known as social dumping, the precise problem labor chapters are supposed to address.
Meanwhile, the United States has done little to ensure that multinationals headquartered in its territory prevent labor and other human rights abuses in their supply chains. Nichols inadvertently acknowledged the influence the United States has, and by failing to use that leverage, it is failing working families in Peru and consumers here at home.
Nichols also praised the improvement to environmental protections as a result of this agreement, but in reality the FTA has exacerbated conflicts over access to resources and community consultation that have too often resulted in violence and tragedy. Despite making commitments to improve enforcement in areas like illegal logging, violations actually have increased. Industries like logging and extractives have been involved in land grabs and contamination, prompting waves of migration. These industries also promote precarious, unsafe working conditions and crack down of workers who try to fight back. Hundreds of mine workers were fired after a strike earlier this year.
Peru is one of 12 countries involved in ongoing negotiations for the Trans-Pacific Partnership trade and investment deal (known as the TPP). If Peru enters the TPP without improving labor standards and enforcement in full compliance with the pact's terms, all of the talk of "high labor standards" in the TPP will prove meaningless. Global corporations will have yet another tool to drive down wages and deny fundamental rights to workers.


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Industry News
Nightlife Graphic Designers Unite For Art Basel Show
The Creative Complex, a Miami-based graphic design shop, is organizing and hosting the first ever gallery dedicated to the art of nightlife graphic design at Chalk Miami on Friday, December 7 during Art Basel week in Miami.
Ruben Vazquez (@rubenv3000 (http://www.twitter.com/
The event is Friday, December 7, 2012 from 8pm – Midnight. There will be a complimentary Vodka open bar from 8pm-9pm. The event is free, but you must register to attend at http://www.ngdgshow.com/
Sponsors for the event include In The Scene Miami (http://www.inthescenemiami), PrintHouseUSA (http://www.printhouseusa.com) and Vice District (http://www.vicedistrict.com)
Titled "NGDG", artists in the Nightlife Graphic Design community will be invited to exhibit and sell original art pieces. Artists will be present to curate their work.
Part of the proceeds from the event will benefit Jose's Hands (http://www.joseshands.org)
Top-quality graphic design mixed with the nightlife atmosphere of Chalk Miami will make this a special time for encountering art. PrintHouseUSA will be showing off their talents in nightlife printing.
"We're starting a movement here. Nightlife graphic design has major roots in Miami and we're here to propel that into the art community", says Alex Miranda. "And every year, a greater number of art collectors, artists, dealers, curators, critics and art enthusiasts from around the world will see our influence grow."
Would you consider a flyer to a local party a form of art?
Alex Miranda, owner of Miami-based graphic design shop The Creative Complex says, "We build better event experiences through the power of graphic design".
Almost like graffiti art, the nightlife graphic design community ebbs and flows in an underground culture. You rarely know the artist behind the design of a great flyer, which with the right artist, can sometimes be imaginative, provocative and uncompromising.
Designers have notoriously close connections to nightlife culture; promoting parties and popping bottles in the VIP. Today, Alex Miranda stakes his claim that nightlife graphic design must begin its run to be considered a respected and new art form, a rich medium with no restrictions and plenty of creative freedom.
"I regard it as a new and rising art form, worthy of its own gallery show", says Alex.
The value in nightlife design is subjective. While some regard it an individual art form, others view it as basic graphic design. The argument behind refusing it as art lies in the assumption that designs are subject to the direction of an event coordinator or promoter, thus forcing artists to create someone else's thoughts and visions.
On the other hand, there are some that commission artists create event brands without sticking their hands into the creative process. They trust the artist and his or her ability to translate what the event coordinator'
"Remember that after-hours club called "The Mix" on South Beach back in the late 90's?", says Alex Miranda. "When I see a flyer of the mix, and I see the iconic yawning character, I'm transported back to the bass-filled walls with David Padilla spinning heart-pumping trance. That's what a great event flyer can do. That's why artists that created event brands like that need to be recognized."
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22-3880 - 2-in-1 Zipper Bag
This high quality tool tote case is actually two zipper bags in one Can be used as two separate bags or zipped together as one large tool case The first case has two large pouches perfect for storing documents, paperwork, or larger items. The sec...
22-8120 - Heavy-Duty Aluminum Tool Case
Made of lightweight durable aluminum One tool holding pallet Base of unit features adjustable compartments to easily carry hand tools, small soldering equipment, hand held test equipment, and more
26-1942 - Relay Socket 5-Pin, For Bosch Type Auto Relay
Five Pin Relay Socket
Compatible with popular Bosch and similar four and five pin automotive relays.
26-534B - TYCO Original Relay
Commonly used in automotive security, lighting and audio applications. SPDT contacts handle 30A. Compatible with standard 5 pin relay sockets.
28-975 - Project Box - 4 5/16'' x 7 1/16'' x 2 3/8''
Gray plastic boxes with slots inside to hold PC boards Lid with hardware included Measurements are inside dimensions
Excellent! Great prices, well packed, shipped fast.


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PARIS – New Faurecia SA CEO Gregoire Olivier Faurecia clearly believes in a bright future for the Dacia Logan, Renault SA's low-priced car. Faurecia's acquisition of half of joint venture Euro Auto Plastic Systems in Romania is Olivier's first strategic move since he took over the French supplier Sept. 8 after Pierre Levi resigned over a German payola scandal. Faurecia paid an unspecified amount to buy 50% of Euro APS from the Portuguese supplier Simoldes Plasticos. A Croatian supplier, ...
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Downtown Motel
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TripAdvisor Reviews Downtown Motel Missoula
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Day 21, Jackpot, NV to Missoula, MT
... holding the world record for broken bones, more than 430, his fans lost faith in his fearlessness and he never again held the position he did during his peak. Then with a baseball bat he broke a guys arms who wrote unfavorably about him in a book, (not untruthfully, just unfavorably!) Mattel dropped his toys line, he lost his steady licensing income, and he slid down to the gutter.
Additional reading about this 'merican icon can be found here: ...
Garnet Ghost Town
... time.
Our booty from the stores was pretty big: Dee Henderson, Irene Hannon and Terri Blackstock for her; Ken Follett, PKD, Krishnamurti and Alex Garland for me. This RV is packed with books, seriously, there aren't but four cabinets that don't have at least 10 books in them. And we're heading back into town on Friday after the Ghost Town for more. This is getting out of hand, it seems that each place we come to we immediately look up ...
Chapter 38 Big Sky Country
... to get into Washington State and then onto Vancouver. They are imposing sights that's for sure.
Along with the snow-capped mountains heavy black clouds are gathering. It looks as though we are in for a drenching in the very near future. Just have to push on to our next overnight stay in Missoula.
As I have said before, around each corner you are surprised with what comes into view. Old structures are prolific along the way. If ...
Friday, Day Eighteen
... on the river. He gets in a trance and enjoys the moment. They caught about seventeen fish total (rainbow, brown and cut-throat trout), but released all of them to swim another day.
They fished until about 7pm and then we went out to dinner at Hu Hot a local Mongolian ...
Day 23: Car service and HOTEL night
We hit the road at 8am (our earliest start yet), after breaking camp and loading up the Sequoia. It really helped that we pre-packed a lot last night, so we only had to deal with the tents and sleeping bags. First up on the agenda was to drive to West Yellowstone for breakfast. We ate at a nice restaurant that was pleasantly uncrowded, with really fast service. We all agreed the bacon was the best. Next we headed towards Bozeman ...


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|Prev Close
|Day Low/High
|80.00 / 80.49
|52 Wk Low/High
|54.81 / 80.45
|Avg Volume
|Prev Close
|Day Low/High
|80.00 / 80.49
|52 Wk Low/High
|54.81 / 80.45
|Avg Volume
|Shares Outstanding
|Market Cap
|P/E Ratio
|Div & Yield
|1.28 (1.60%)
Babies born in America today are the luckiest in history, says CEO Warren Buffett. in the last three months of 2016 alone, his company's revenue grew 13% to $58.3 billion.
Cramer's weekly gameplan is about individual stocks, because this is about smart investing and smart stock selection.
We'll sell our remaining shares in Panera and Costco to protect profits and move on.
You must be willing to look for winners in inefficient markets.
The Chinese internet giant pours money into a big retail chain in China, as well as a popular South Korean messaging platform.
Cramer shares his views on how tired he is of hearing about Kool-Aid, and wonders if Apple could be valued as a consumer-products company one day.
Small and medium-sized enterprises (SMEs) in the U.S.
Some tried-and-true indicators show what's really going on with the market.
Warren Buffett changes his stance on airline investing and tech.
Warren Buffett is swapping Walmart for airlines and Apple.
American Express (NYSE:AXP) President of Global Consumer Services, Douglas E.
When bond yields rise, the economy roars and it's game on for industrials, banks and retailers, says Jim Cramer.
CVS, Verizon and American Express are low volatility stocks to keep an eye on.
Companies are offering some amazing perks -- from paid parental leave for all employees to gender reassignment surgery to Crossfit classes at the company gym.
Visa tops analysts' estimates as the payment technology company grows its payment volume by 39% from the prior year to $1.8 trillion.
If you look at the earnings reports, not the articles, you'd have found reasons to buy.
Visa's first-quarter results will highlight how CEO Al Kelly is doing running the company. These ETFs may benefit if investors like what they hear.
Jim Cramer ponders how the beast may have changed its stripes, and points out that this rally has further yet to go.
The most recent short interest data has been released for the 01/13/2017 settlement date, which shows a 2,084,600 share decrease in total short interest for American Express Co. , to 16,123,776, a decrease of 11.45% since 12/30/2016.
The yield on the 10-year Treasury bond walks a fine line between pleasure and pain.
Jim Cramer says: Evaluate the individual companies in the Dow based on fundamentals, not some 'Trumpian alchemy.'
Half the Dow components have reported and it's their impressive results that are driving indices up.
Half the Dow components have reported and it's their impressive results that are driving indices up.
The pace of the rally is slowing but stay with the uptrend until it reverses.
The Dow Jones Industrial Average finally hit the critical 20,000 level on Wednesday. Here's what you need to know.
Housing, oil and other faves are enough to make me break into song.
American Express Company (NYSE:AXP) today announced that John J. "Jack" Brennan has been elected to its board of directors.


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860 83rd Street,West Des Moines IA, 50266
4 beds , 3 Full/1 Half baths
2,589 sq. ft
Status: Active
Berkshire Hathaway HomeServices First Realty
(515) 453-7200
Last Updated: 2/24/2017 2:02 AM
Description for 860 83rd Street West Des Moines, IA 50266
Perfectly located two story home in highly sought after West Des Moines location from a greatly respected home builder, Bryan Clark Homes. Exceptional craftsmanship with attention to detail. Main level offers an open plan with gorgeous stone fireplace and great windows overlooking rear yard, gourmet kitchen and walk-in pantry. Second floor offers a great master suite, luxurious master bathroom with walk-in shower and a large master closet. Additional bedrooms share a full bath with double sink. Nice laundry room with window completes the 2nd floor. Finished walk-out lower level offers a large family/recreation room with wet bar, bedroom and bath. Convenient location to shopping and dining.
Listing Information
City Sewer
School Information
Room Information
Interior Features
Dishwasher, Microwave, Stove
Central Air
Gas Heat, Forced Air
Daylight, Finished, Walkout
Exterior / Lot Features
Asphalt Shingle
Concrete Road
Financial Considerations
Inside AccessTM
Current market conditions for 860 83rd Street
Active Market Trends
Source:MLS DATA
Median list price$369,900
Days on market101
Properties for sale193
Sold Market Trends
Source:MLS DATA
Median sold price$213,250
Sales to list price9,833.0%
Properties sold272
Median sq ft price$129
Arrows indicate 90 day trend
Listing Price History for 860 83rd Street
West Des Moines Real Estate
West Des Moines is located in Iowa. West Des Moines, Iowa 50266 has a population of 57,041.
The median household income in West Des Moines, Iowa 50266 is $68,283. The median household income for the surrounding county is $58,096 compared to the national median of $53,046. The median age of people living in West Des Moines 50266 is 33.8 years.
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|Message view
|« Date » · « Thread »
|« Date » · « Thread »
|Remy Maucherat <r...@apache.org>
|Re: [5.0] Property replacement
|Fri, 17 Oct 2003 16:51:02 GMT
Craig R. McClanahan wrote: > Remy Maucherat wrote: > >> Hi, >> >> I'd like to make a small proposal to do property replacement. Included >> are changes that should be made in the digester, and that I'll post on >> commons-dev if I have approval. >> >> - Add a get/setProperty to Container. This would allow a property >> inheritance across containers, similar to Tomcat 3.3 features as >> described by Bill. >> >> - Add the two introspectionUtil replaceProperties methods to the >> digester, along with a way to set the array of PropertySource globally >> for a digester instance. The replaceProperties will be called >> automagically if the standard set properties rule is added to an >> element, and will check all attributes for possible property replacement. > > This sounds like a good addition to Digester. I would prefer to also > have replacement enabled by a boolean property on the Digester instance > (default=false), so that we don't mess up people using Digester to parse > things that happen to have "${ ... }" in the attribute values or element > bodies. I was thinking about that. This sounds reasonable. >> - Additionally, we could add the "set all properties" rule to >> digester, which would attempt to call a setProperty method on an >> object to set properties which have no designated setter. I'm mixed on >> this: we need something like that for the Connector, but this is a >> very specific situation, and may be abused in the general case. > > I'm dubious on this one as well, but will look at the details of what > you'd propose. I think I'll forget about it in the general case. >> - Note: The properties used will not be saved when using save-to-XML >> from the admin. If anyone has an idea on how to make it work, let me >> know ;-) (anyway, save-to-XML should probably be rewritten in a non >> hackish and flexible fashion, but this can wait) > > Agree that this code is about as hackish as you can get, but at least it > sorta worked :-). Yes, it worked good :) I added more hacks myself in there to make the saved XML look a bit less nasty :) Scary code :-D Remy --------------------------------------------------------------------- To unsubscribe, e-mail: email@example.com For additional commands, e-mail: email@example.com
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ODEP - Office of Disability Employment Policy
Disability Employment Policy Resources by Topic
Welcome Baseball Fans!
PBATS/DOL PSA Bo Jackson, former MLB player
PBATS/DOL PSA Curtis Pride, former MLB player
You have arrived at the Office of Disability Employment Policy (ODEP) website. We are a non-regulatory agency of the U.S. Department of Labor (DOL), and we share a common goal with the Professional Baseball Athletic Trainers Society (PBATS) increasing the employment of people with disabilities.
On ODEP's website, you will find a wealth of resources to help organizations recruit, hire, retain and advance people with disabilities and understand the skills and talents they have to offer. These include publications, posters, videos and more.
Because EVERYONE should be in the game.
- Read the Bo Knows...the Importance of Inclusion blog
- Read the Stepping Up to the Plate blog
- Learn more about the ODEP/PBATS Alliance
- Visit the PBATS website


text:
tag:blogger.com,1999:blog-86819881203615860932017-02-26T07:03:27.713-05:00ABA Dodd-Frank TrackerABA Regulatory Policy Staff 2http://firstname.lastname@example.com://feedburner.google.comtag:blogger.com,1999:blog-8681988120361586093.post-68630882844107052922016-12-27T10:15:00.000-05:002016-12-27T10:15:16.776-05:00FDIC Seeks Comment on New De Novo HandbookThe FDIC is asking for comments on a new handbook it has developed to help de novo banks apply for deposit insurance. The handbook offers guidance to new banks on pre-filing activities, the de novo application process and pre-opening activities. While it does not establish new policy or guidance or modify existing guidance, the handbook provides greater transparency on the FDIC's review and approval process for de novos.

In its request for comment, the FDIC asked for feedback on the clarity and transparency provided by the handbook; whether it adequately addresses the requirements and procedures for all three phases of the de novo process; the quality of information it provides to organizers with and without previous banking experience; and on the helpfulness of comments from successful bank CEOs regarding de novo formation.

ABA has long advocated for regulators to increase their efforts to spur de novo formation and welcomed the FDIC's announcement, the latest in a series of steps taken by the agency to encourage new bank charters. Previously, the FDIC said that it would reduce the de novo period from seven years to three years, and updated its guidance on regulatory expectations for new banks.

De novo banks have been scarce in the years since the financial crisis – since 2010, there have only been three new banks chartered in the U.S. ABA will continue to provide feedback to the FDIC on these and other initiatives to increase new bank applications. Comments on the handbook are due Feb. 20 and may be submitted to firstname.lastname@example.com.

Read the handbook.ABA Regulatory Policy Staff 2http://firstname.lastname@example.com://regreformtracker.aba.com/2016/12/fdic-seeks-comment-on-new-de-novo.htmltag:blogger.com,1999:blog-8681988120361586093.post-82022970822278617622016-11-16T09:45:00.000-05:002016-11-16T09:45:00.152-05:00FDIC Approves Deposit Recordkeeping Final RuleThe FDIC board has approved a final rule requiring banks with more than 2 million deposit accounts to upgrade their deposit recordkeeping systems to facilitate the determination of FDIC insured deposits in the event of a bank failure. Under the rule, the FDIC will use the failing bank's systems, data and staff to calculate the insured and uninsured amounts for each depositor and place holds on portions of uninsured deposits. To comply with the rule, these banks will be required to collect and maintain more detailed depositor information and make upgrades to their IT systems to ensure that they are able to calculate many types of insured deposits within 24 hours of failure.

In response to feedback from ABA and other associations, the final rule includes alternative requirements for a number of accounts, including certain trusts, brokered deposits and lawyers' trust accounts for which it would be difficult to compel accountholders to provide personal identification information about the ultimate owners of the funds. The FDIC also extended the timeline for banks to comply with the rule, also in response to banker concerns. Affected institutions – currently 38 of the country's largest banks – will now have three years to comply with the final rule instead of two.

Read the final rule.ABA Regulatory Policy Staff 2http://email@example.com://regreformtracker.aba.com/2016/11/fdic-approves-deposit-recordkeeping.htmltag:blogger.com,1999:blog-8681988120361586093.post-13523103441158196872016-06-24T11:31:00.000-04:002016-06-30T12:09:35.155-04:00The Week Ahead: June 27 - July 1
Monday

Comments Due OCC: Reduction of Permanent Capital Notice (PRA)  Read more.

Comments Due FDIC/OCC/FRB: Correction for Regulatory Capital Reporting for Institutions Subject to the Advanced Capital Adequacy Framework  Read more.

Comments Due FDIC: Recordkeeping for Timely Deposit Insurance Determination  Read more.

Comments Due OCC: Disclosure of Financial and Other Information by National Banks (PRA)  Read more.

Comments Due OCC: Funding and Liquidity Risk Management (PRA)  Read more.

Comments Due OCC: Interagency Guidance on Asset Securitization Activities (PRA)  Read more.

Comments Due OCC: Reduction of Permanent Capital Notice (PRA)  Read more.

Meeting CFTC: Market Risk Advisory Committee  Read more.

Friday

Effective Date FRB: Liquidity Coverage Ratio: Treatment of U.S. Municipal Securities as High-Quality Liquid Assets  Read more.

Effective Date FDIC: Assessments  Read more.

All times in Eastern Standard Time. See future events on the Dodd-Frank Calendar.

ABA Regulatory Policy Staff 2http://firstname.lastname@example.com://regreformtracker.aba.com/2016/06/the-week-ahead-june-27-july-1.htmltag:blogger.com,1999:blog-8681988120361586093.post-48045886986482864512016-05-20T11:49:00.002-04:002016-05-27T11:22:40.652-04:00The Week Ahead: May 23 - 27
Monday

Comments Due CFPB: Emergency Processing Request (PRA)  Read more.

Comments Due FDIC: Qualifications for Failed Bank Acquisitions (PRA)  Read more.

Tuesday

Comments Due OCC: Minimum Security Devices and Procedures, Reports of Suspicious Activities, and Bank Secrecy Act Compliance Program (PRA)  Read more.

House Hearing: Stopping Terror Finance: A Coordinated Government Effort  Read more.

Senate Hearing: Understanding the Role of Sanctions Under the Iran Deal  Read more.

Wednesday

Meeting FDIC: FDIC Advisory Committee on Economic Inclusion (ComE-IN)  Read more.

Senate Hearing: Understanding the Role of Sanctions Under the Iran Deal: Administration Perspectives  Read more.

Thursday

Comments Due CFPB: Amendments to the 2013 Mortgage Servicing Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)  Read more.

Comments Due FDIC: Recordkeeping for Timely Deposit Insurance Determination  Read more.

Friday

Comments Due CFPB:: Generic Information Collection Plan for the Office of Intergovernmental Affairs Outreach Activities (PRA)  Read more.

Comments Due OCC: Leveraged Lending (PRA)  Read more.

All times in Eastern Standard Time. See future events on the Dodd-Frank Calendar.

ABA Regulatory Policy Staff 2http://firstname.lastname@example.com://regreformtracker.aba.com/2016/05/the-week-ahead-may-23-27.htmltag:blogger.com,1999:blog-8681988120361586093.post-67097873962046924472016-04-26T12:46:00.002-04:002016-04-26T12:46:56.042-04:00FDIC Adopts Small Bank Assessments Final Rule The FDIC has approved a final rule that amends the way banks with less than $10 billion in assets – that have been FDIC insured for at least five years – are assessed for deposit insurance. It updates the data and revises the methodology that the FDIC uses to determine risk-based assessments for these institutions in three key ways: by basing the financial ratios method on a statistical model estimating the probability of failure over three years; by updating the financial measures used in the financial ratios method consistent with the statistical model; and by eliminating risk categories for established small banks and using the financial ratios method to determine assessment rates for all such banks.

FDIC Chairman Martin J. Gruenberg said

This rule will allow future assessments to better differentiate riskier banks from safer banks. Using the FDIC's experience during the recent financial crisis, this rule will better allocate the costs of maintaining a strong Deposit Insurance Fund. Taken together with the overall decline in rates approved by the Board in 2011 that will occur once the reserve ratio reaches 1.15%, more than 93% of small banks will pay lower assessment rates.

The final rule is revenue neutral, so that aggregate assessment revenue collected from established small banks is expected to be approximately the same as it would have been otherwise. The FDIC has revised the online assessment calculator to reflect this change.

The final rule will be used to determine assessment rates for small banks beginning the quarter after the Deposit Insurance Fund reserve ratio reaches 1.15%, but no earlier than the third quarter of this year.

Read the final ruleABA Regulatory Policy Staff 2http://email@example.com://regreformtracker.aba.com/2016/04/fdic-adopts-small-bank-assessments.htmltag:blogger.com,1999:blog-8681988120361586093.post-24471207138947461222016-03-16T11:30:00.000-04:002016-03-16T11:30:25.542-04:00FDIC Issues Final Rule on Recapitalization of its Insurance FundAs required by the Dodd-Frank Act, the FDIC finalized a rule to increase the deposit insurance fund from 1.15% of insured deposits to 1.35% by 2020.

Under a rule adopted in 2011, assessment rates for all banks will decline by 2 or more basis points the quarter after the fund reaches 1.15%, which is anticipated for the second quarter of 2016 (possibly the third quarter if insured deposit growth exceeds expectations). Under the finalized rule, starting that same quarter, banks under $10 billion will accrue credits for the portion of their assessments that contribute to growth of the fund above 1.15%. Banks will be allowed to use their credits without limit to cover assessments once the fund reaches 1.38% – a provision incorporated into the final rule following comments by ABA.

At the same time, the rule requires banks with over $10 billion in assets to pay 4.5 basis-point annual surcharge assessments until the fund reaches the 1.35% target, or until the fourth quarter of 2018. If needed, there will be a one-time "shortfall assessment" in the first quarter of 2019 to bring the fund to 1.35%.

View the final rule.
Read ABA's summary of the rule.ABA Regulatory Policy Staff 2http://email@example.com://regreformtracker.aba.com/2016/03/fdic-issues-final-rule-on.htmltag:blogger.com,1999:blog-8681988120361586093.post-40733027579543503742016-03-09T12:00:00.000-05:002016-03-09T12:00:20.962-05:00ABA Comments on FDIC Proposal for Small Bank Assessments ABA offered feedback on the FDIC's revised proposal for assessing deposit insurance premiums on banks with under $10 billion in assets. The association generally supported the revised proposal – which incorporated several of ABA's comments on the initial proposal issued last June – however, the comment letter highlighted three lingering areas of concern with the revised assessment formula: the proposed "loan mix index," the weighting for the tier 1 leverage ratio, and the proposed asset growth factor.

ABA recommended that the revised formula should measure loan asset quality management based on the performance of a bank's own loan portfolio in the past, rather than using an index of the types of loans in its portfolio. The letter also urged FDIC to: not penalize well-capitalized banks with CAMELS ratings of I or II simply because they do not hold excessive amounts of tier 1 capital; recognize that asset growth – even in excess of a 10% four-quarter threshold – is normal and healthy and does not warrant higher assessments; and use CAMELS component ratings to gauge asset quality and management.

Members of ABA's Government Relations Council Administrative Committee communicated the need for these changes in person during a meeting with FDIC officials.

The FDIC is expected to issue its final rule this summer, and the revised system will take effect the quarter after the FDIC insurance fund reaches 1.15% of insured deposits, which is expected in the second or third quarter of 2016. However, ABA recommended a delay in implementation if time is needed for the suggested revisions to be incorporated into the final version of the formula.

Read the letter.ABA Regulatory Policy Staff 2http://firstname.lastname@example.com://regreformtracker.aba.com/2016/03/aba-comments-on-fdic-proposal-for-small.htmltag:blogger.com,1999:blog-8681988120361586093.post-75369749131905972072016-02-17T11:57:00.004-05:002016-02-17T11:57:52.295-05:00FDIC Approves Proposal on Deposit Account Recordkeeping RequirementsThe FDIC approved a proposal for recordkeeping requirements for FDIC-insured institutions with a large number of deposit accounts to facilitate rapid payment of insured deposits to customers if the institutions were to fail.

The proposed rule would apply to insured depository institutions with more than 2 million deposit accounts. Under the proposal, these institutions would generally be required to maintain complete and accurate data on each depositor. Further, the institutions would be required to ensure that their information technology systems are capable of calculating the amount of insured money for each depositor within 24 hours of a failure.

FDIC Chairman Martin J. Gruenberg said:

Timely access to insured deposits is critical to maintaining public confidence in the banking system. This proposal would bolster the FDIC's ability to provide depositors at banks with a large number of deposit accounts the same rapid access to their insured funds in the case of a failure as the FDIC does in smaller resolutions.

The FDIC is not proposing or considering making these requirements applicable to smaller institutions, including community banks.

Read more.ABA Regulatory Policy Staff 2http://firstname.lastname@example.com://regreformtracker.aba.com/2016/02/fdic-approves-proposal-on-deposit.htmltag:blogger.com,1999:blog-8681988120361586093.post-31983907775141340332016-01-22T11:08:00.001-05:002016-01-22T11:08:36.099-05:00The Week Ahead: January 25 - 29
Monday

Comments Due CFPB: Financial Well-Being National Survey (PRA)  Read more.

Comments Due CFPB: Homeownership Counseling Amendments to the Real Estate Settlement Procedures Act (Regulation X) (PRA)  Read more.

Comments Due CFPB: Report of Terms of Credit Card Plans (PRA)  Read more.

Comments Due FDIC: Treatment of Financial Assets Transferred in Connection With a Securitization or Participation  Read more.

Final Rule FDIC: Treatment of Financial Assets Transferred in Connection With a Securitization or Participation  Read more.

Tuesday

Meeting CFTC: Technology Advisory Committee  Read more.

House Hearing: Trading with the Enemy: Trade-Based Money Laundering is the Growth Industry in Terror Finance  Read more.

House Hearing: Markup of FY17 Budget Views and Estimates  Read more.

All times in Eastern Standard Time. See future events on the Dodd-Frank Calendar.

ABA Regulatory Policy Staff 2http://email@example.com://regreformtracker.aba.com/2016/01/the-week-ahead-january-25-29.htmltag:blogger.com,1999:blog-8681988120361586093.post-45045723883210695992016-01-22T09:43:00.000-05:002016-01-22T09:43:05.710-05:00FDIC Revises Proposal on Assessments for Banks Under $10B The FDIC issued a revised proposed rule for assessing deposit insurance premiums on banks with under $10 billion in assets. The proposal incorporates several of ABA's recommendations on the earlier proposal issued last July, including the elimination of an assessment penalty for funding with reciprocal deposits or Federal Home Loan Bank advances. ABA Senior Economist Rob Strand said:

We appreciate that the FDIC considered all of our issues with the earlier proposal and incorporated several of our suggestions. We are evaluating the latest version to see if it now fairly allocates assessments by risk.

In response to numerous comments from bankers across the country, the revised proposal would not factor core deposit funding into assessments (which would punish banks for funding with reciprocal deposits or Federal Home Loan Bank advances). Under the updated proposal, funding with brokered deposits — not counting reciprocal deposits for well capitalized banks with CAMELS ratings of 1 or 2 — in excess of 10% of assets would lead to higher assessments (and the existing "brokered deposit adjustment" would be eliminated).

As supported by ABA, the revised proposal would also adopt a fairer standard for assessing growth; assets would have to grow more than 10% over a one-year period to trigger higher assessments, meaning that fewer banks will be penalized for healthy, well-managed growth.

The new proposal would not alter the loan portfolio factor from the earlier proposal, which ABA criticized as being "of questionable value" in forecasting bank failures, since it does not account for the quality of credit underwriting, portfolio management and risk hedging. However, the proposal would cap assessment rates by CAMELS rating, which ABA supported, potentially limiting the impact of the loan portfolio factor and the weighting for the tier 1 core capital ratio, which ABA also objected to earlier.

The FDIC will accept comments on the proposal for 30 days following publication in the Federal Register, and posted a calculator for bankers to test the impact on their assessments.

Read more.
Access the calculator. ABA Regulatory Policy Staff 2http://firstname.lastname@example.com://regreformtracker.aba.com/2016/01/fdic-revises-proposal-on-assessments.htmltag:blogger.com,1999:blog-8681988120361586093.post-19781676055641192732016-01-19T13:22:00.002-05:002016-01-19T13:22:37.331-05:00FDIC to Host Deposit Insurance Coverage SeminarsThe FDIC will host six identical live seminars on FDIC deposit insurance coverage for bank employees and bank officers between February 23 and December 5, 2016. In addition, the FDIC has developed three separate Deposit Insurance Coverage Seminars for bank officers and employees, which are available on the FDIC's YouTube channel. The seminars will provide bank employees with an understanding of how to calculate deposit insurance coverage.

The live seminars provide a comprehensive overview of FDIC deposit insurance while the YouTube seminars cover: Fundamentals of Deposit Insurance Coverage; Deposit Insurance Coverage for Revocable Trust Accounts; and Advanced Topics in Deposit Insurance Coverage.

Read more.ABA Regulatory Policy Staff 2http://firstname.lastname@example.com://regreformtracker.aba.com/2016/01/fdic-to-host-deposit-insurance-coverage.htmltag:blogger.com,1999:blog-8681988120361586093.post-17873191771983218192015-12-11T10:52:00.000-05:002015-12-18T10:48:14.169-05:00The Week Ahead: December 14 - 18
Wednesday

House Hearing: Examining the Consumer Financial Protection Bureau's Mass Data Collection Program  Read more.

Thursday

Effective Date FRB: Reserve Requirements of Depository Institutions  Read more.

Friday

Comments Due FDIC: Foreign Branch Report of Condition (PRA)  Read more.

All times in Eastern Standard Time. See future events on the Dodd-Frank Calendar.

ABA Regulatory Policy Staff 2http://email@example.com://regreformtracker.aba.com/2015/12/the-week-ahead-december-14-18.htmltag:blogger.com,1999:blog-8681988120361586093.post-9599391978853809182015-12-04T11:30:00.000-05:002015-12-11T10:48:29.992-05:00The Week Ahead: December 7 - 11
Monday

Comments Due FDIC: Annual Stress Test Reporting Template and Documentation for Covered Banks With Total Consolidated Assets of $10 Billion to $50 Billion Under Dodd-Frank (PRA)  Read more.

Comments Due FDIC: FDIC Small Business Lending Survey (PRA)  Read more.

Comments Due OCC/FDIC/CFPB/SEC: Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies  Read more.

Tuesday

House Hearing: Oversight of the Financial Stability Oversight Council  Read more.

All times in Eastern Standard Time. See future events on the Dodd-Frank Calendar.

ABA Regulatory Policy Staff 2http://email@example.com://regreformtracker.aba.com/2015/12/the-week-ahead-december-7-11.htmltag:blogger.com,1999:blog-8681988120361586093.post-53453502413323535462015-11-16T09:30:00.000-05:002015-11-16T09:30:01.680-05:00FDIC Updates FAQ on Brokered DepositsThe FDIC updated its controversial FAQs on identifying, accepting, and reporting brokered deposits and sought comment on the revisions.

The document was originally issued in January and caused widespread confusion and frustration at banks as it seemed to broaden the scope of deposits deemed "brokered." In response to ABA's concerns, FDIC staff encouraged banks to reach out to their examiners with specific questions about the guidance's impact on depository operations, and it promised to update the FAQs as needed.

The changes proposed, which are detailed in a "track changes" version of the document, include both clarifications and new questions on topics like prepaid cards, referrals from insurance agents, lawyers and accountants, government benefits disbursed through cards and restrictions on banks that cease to be well capitalized for prompt corrective action purposes.

The FDIC stressed that the document is "a plain language summary of previously issued guidance that is conveniently located in one place," and it added footnotes throughout the document to site previously issued opinions. Comments on the FAQs and introductory letter are due Dec. 28.

Read more.ABA Regulatory Policy Staff 2http://email@example.com://regreformtracker.aba.com/2015/11/fdic-updates-faq-on-brokered-deposits.htmltag:blogger.com,1999:blog-8681988120361586093.post-15481181336707841802015-11-13T10:51:00.001-05:002015-11-13T10:52:26.232-05:00The Week Ahead: November 16 - 20
Tuesday

Comments Due FDIC/OCC/FRS: Consolidated Reports of Condition and Income (PRA)  Read more.

House Hearing: Dodd-Frank Five Years Later: What Have We Learned from Conflict Minerals Reporting?  Read more.

FDIC Seminar: Deposit Insurance Coverage Seminars Free Nationwide Seminars for Bank Officers and Employees  Read more.

Wednesday

Meeting OCC: Mutual Savings Association Advisory Committee  Read more.

House Hearing: Examining the SEC's Agenda, Operations, and FY 2017 Budget Request  Read more.

All times in Eastern Standard Time. See future events on the Dodd-Frank Calendar.

ABA Regulatory Policy Staff 2http://email@example.com://regreformtracker.aba.com/2015/11/the-week-ahead-november-16-20.htmltag:blogger.com,1999:blog-8681988120361586093.post-91132388331719589242015-10-30T11:33:00.000-04:002015-10-30T11:33:00.323-04:00The Week Ahead: November 2 - 6
Monday

Meeting CFTC: Market Risk Advisory Committee  Read more.

Tuesday

Comments Due CFPB: Web-Based Quantitative Testing of Point of Sale/ATM (POS/ATM) Overdraft Disclosure Forms (PRA)  Read more.

Comments Due CFTC: Aggregation of Positions  Read more.

Wednesday

House Hearing: Semi-Annual Testimony on the Federal Reserve's Supervision and Regulation of the Financial System  Read more.

Meeting FFIEC: Appraisal Subcommittee  Read more.

Thursday

Meeting: FDIC Advisory Committee on Community Banking  Read more.

All times in Eastern Standard Time. See future events on the Dodd-Frank Calendar.

ABA Regulatory Policy Staff 2http://email@example.com://regreformtracker.aba.com/2015/10/the-week-ahead-november-2-6.htmltag:blogger.com,1999:blog-8681988120361586093.post-3422539570375996812015-10-28T10:08:00.000-04:002015-10-28T10:08:00.859-04:00FDIC Consolidates Change in Bank Control RequirementsThe FDIC is finalizing a rule to consolidate its notice requirements when non-Fed-member state banks and state thrifts experience a change in control in a single subpart of the agency's regulations. The rule also aligns the FDIC's requirements with "best practices" from the OCC and the Federal Reserve.

The final rule transfers a rebuttable presumption of control from the Change in Bank Control Act while adding a rebuttable presumption of acting in concert, consistent with Federal Reserve regulations.

Read the final rule.

The FDIC is also rescinding certain rules that had been transferred to the agency after the closure of the Office of Thrift Supervision. The rules, which have been consolidated with FDIC guidance, cover fair credit reporting and safety and soundness. The FDIC also rescinded regulations implementing the now-expired, financial crisis-era Temporary Liquidity Guarantee Program.

View the rescinded rules.ABA Regulatory Policy Staff 2http://firstname.lastname@example.com://regreformtracker.aba.com/2015/10/fdic-consolidates-change-in-bank.htmltag:blogger.com,1999:blog-8681988120361586093.post-49378239981987816102015-10-27T09:13:00.003-04:002015-10-27T09:13:51.885-04:00FDIC Rescinds Rule Transferred from OTSThe FDIC rescinded a regulation on "Electronic Operations." The rule had been transferred to the FDIC after the closure of the Office of Thrift Supervision, but was deemed "obsolete and unnecessary and burdensome." The rescission takes effect on Nov. 26.

Read more.ABA Regulatory Policy Staff 2http://email@example.com://regreformtracker.aba.com/2015/10/fdic-rescinds-rule-transferred-from-ots.htmltag:blogger.com,1999:blog-8681988120361586093.post-57893991193477187912015-10-23T12:00:00.000-04:002015-10-29T11:00:03.619-04:00The Week Ahead: October 26 - 30
Monday

Workshop OCC: Bank Director Workshop  Read more.

Final Rule SEC: Removal of Certain References to Credit Ratings and Amendment to the Issuer Diversification Requirement in the Money Market Fund Rule  Read more.

Tuesday

Meeting SEC: Public Sunshine Act Meeting  Read more.

Wednesday

Senate Hearing: The State of Rural Banking: Challenges and Consequences  Read more.

Thursday

Comments Due SEC: Access to Data Obtained by Security-Based Swap Data Repositories and Exemption From Indemnification Requirement  Read more.

Friday

Comments Due CFTC: Amendments to Swap Data Recordkeeping and Reporting Requirements for Cleared Swaps  Read more.

Meeting: FDIC Advisory Committee on Economic Inclusion (ComE-IN)  Read more.

All times in Eastern Standard Time. See future events on the Dodd-Frank Calendar.

ABA Regulatory Policy Staff 2http://firstname.lastname@example.com://regreformtracker.aba.com/2015/10/the-week-ahead-october-26-30.htmltag:blogger.com,1999:blog-8681988120361586093.post-23341301446650169302015-10-23T09:57:00.000-04:002015-10-23T09:57:00.324-04:00Margin, Capital Requirements for Uncleared Swaps Finalized The FDIC, OCC and Farm Credit Administration approved a final rule that requires prudentially-regulated swap dealers and participants to put up capital and exchange initial margin and variation margin from counterparties to swaps not cleared through a central counterparty. The Federal Reserve and Federal Housing Finance Agency are expected to approve the joint rule shortly.

To protect the use of swaps by end-users and community banks for sound risk management practices — as ABA has advocated — the agencies issued an additional interim rule clarifying that the margin and capital requirements do not apply to swaps entered into for hedging purposes by commercial end users and banks with less than $10 billion in assets.

The rule otherwise applies initial margin and variation margin requirements to swaps between prudentially regulated swap dealers and financial end users with a "material swaps exposure" of more than $8 billion in a three-month period of the previous calendar year. Community banks that enter into non-cleared swaps with their commercial customers will not be required to apply the final rule's requirements for initial margin or variation margin to those swaps.

The agencies' final rule determines what is eligible collateral and establishes a schedule whereby initial margin is phased in from Sept. 1, 2016, to Sept. 1, 2020, while variation margin is phased in from Sept. 1, 2016 to March 1, 2017. The rule comes after capital and margin requirements for swap entities were originally proposed in April 2011 and then re-proposed in Sept. 2014.

Staff with ABA's Center for Bank Derivatives Policy are currently reviewing the final rule and interim final rule to assess their impact on members. Comments on the interim rule are due Jan. 31, 2016.

Read the final rule.
Read the interim final rule on exemptions.ABA Regulatory Policy Staff 2http://email@example.com://regreformtracker.aba.com/2015/10/margin-capital-requirements-for.htmltag:blogger.com,1999:blog-8681988120361586093.post-66433734224199812032015-10-23T09:23:00.003-04:002015-10-23T09:23:51.787-04:00FDIC Proposes Additional Changes to Deposit Insurance Assessments The FDIC proposed a change in deposit insurance assessments that implements a Dodd-Frank Act provision requiring banks with over $10 billion in assets to be responsible for recapitalizing the FDIC insurance fund to 1.35% of insured deposits after it reaches a 1.15% reserve ratio. With the fund expected to be at 1.15% in the final quarter of this year, or possibly the first quarter of next year, the rule would go into effect in the first or second quarter of 2016.

Once the DIF reaches 1.15%, the assessment rate schedule for all banks is set to decline by more than two basis points. Banks with less than $10 billion be the primary beneficiaries of the lower schedule. As proposed, they would receive credits for any amount above their share of the assessments needed to maintain the fund at a 1.15% reserve ratio. The FDIC estimated that the credits would amount to $900 million in the aggregate and banks would use their credits against assessments once the fund reaches a 1.4% reserve ratio.

For banks with over $10 billion in assets, the proposed rule would impose a 4.5 basis point surcharge to bring the fund's reserve ratio to 1.35% by the end of 2018. (There would be a one-time special assessment in first quarter 2019 if this goal was not achieved.) For the surcharge only, the assessment base of subject banks would be reduced by $10 billion to avoid a "cliff effect" on banks just above this size. Moreover, the assets of affiliated banks with under $10 billion would be added to that of surcharged banks. The FDIC estimated that the combination of the lower assessment rate and surcharges would result in lower assessments for nearly a third of larger banks.

ABA staff have for some time been discussing refinements to the assessment system with FDIC staff and released a preliminary summary of the proposed rule. Comments on the proposal are due 60 days after it is published in the Federal Register.

Read the proposed rule.
Read ABA's staff summary.ABA Regulatory Policy Staff 2http://email@example.com://regreformtracker.aba.com/2015/10/fdic-proposes-additional-changes-to.htmltag:blogger.com,1999:blog-8681988120361586093.post-10074012419434896662015-10-02T08:40:00.000-04:002015-10-02T08:40:08.766-04:00ABA Advocacy Yields TRID Compliance ClarificationsResponding to multiple letters and aggressive advocacy by ABA, top regulators clarified their approach to assessing compliance with the TILA-RESPA integrated disclosures. Identical letters from Comptroller of the Currency Thomas Curry, FDIC Chairman Martin Gruenberg and CFPB Director Richard Cordray to ABA said the agencies recognize the daunting challenges posed by TRID implementation and will "recognize the scope and scale of changes necessary" in their early examinations for TRID compliance.

The member agencies of the [Federal Financial Institutions Examination Council] recognize that the mortgage industry has needed to make significant systems and operational changes to adjust to the requirements of the rule, and that implementation requires extensive coordination with third parties. We recognize that ... additional technical and other questions are likely to be identified once the new forms are used in practice after the effective date.
In light of widely reported delays in the delivery and testing of TRID systems from vendors, the agencies said they would consider institutions' "overall efforts" to comply, as well as the institutions' implementation plans, updated policies and procedures, staff training and "handling of early technical problems."

The agencies said they would employ a "similar" approach to the one they used after the CFPB's mortgage rules took effect in January 2014. In congressional testimony earlier this week, Cordray characterized this approach as "diagnostic, not punitive."

Read the letter.
Read ABA's memo.ABA Regulatory Policy Staff1http://email@example.com://regreformtracker.aba.com/2015/10/aba-advocacy-yields-trid-compliance.htmltag:blogger.com,1999:blog-8681988120361586093.post-7058326372411869272015-09-28T09:42:00.000-04:002015-09-28T09:42:00.469-04:00House Committee to Vote on ABA-Backed Bills This WeekThe House Financial Services Committee is expected to vote on several ABA-supported bills on Wednesday. The bills include measures that would delay the Labor Department's controversial rule redefining who counts as a fiduciary under the Employee Retirement Income Security Act until after the SEC takes similar action (H.R. 1090), replace the CFPB's sole director with a bipartisan, five-member commission (H.R. 1266) and require Senate confirmation for the CFPB's inspector general (H.R. 957).

Meanwhile, CFPB Director Richard Cordray will deliver his semiannual report to the House panel tomorrow. The committee will also meet tomorrow to evaluate the effects of regulatory standards on the U.S. insurance market.

The Senate Banking Committee will hold a hearing tomorrow to review the nominations of Adewale Adeyomo as assistant Treasury secretary for international markets, Amias Gerety as assistant Treasury secretary for financial institutions and Jay Lerner as FDIC inspector general.ABA Regulatory Policy Staff 2http://firstname.lastname@example.com://regreformtracker.aba.com/2015/09/house-committee-to-vote-on-aba-backed.htmltag:blogger.com,1999:blog-8681988120361586093.post-62810343811683733692015-09-14T09:00:00.000-04:002015-09-14T09:00:01.598-04:00ABA Asks FDIC to Reconsider Parts of Assessment ProposalWhile expressing support for the purpose of FDIC's proposal to revise premium assessments for banks with under $10 billion in assets, ABA in a comment letter also recommended several changes.

"ABA appreciates the intent to make the 'small bank assessments' system more forward looking," the letter said, noting that much has been learned from the 500-plus bank failures since the current system was developed in 2006. "However, we question whether some of the proposed changes would reliably differentiate risk of failure among banks through future economic cycles."

ABA expressed support for the proposal's elimination of the CAMELS-by-capital risk categories and application of a uniform assessments formula, which would avoid a jump in assessments for banks in certain circumstances. But the formula's proposed extreme increase in weighting for the tier 1 leverage ratio would unfairly penalize "well capitalized" banks that do not hold excess capital. ABA recommended it be aligned with the weighting in the current formula.

In addition, ABA commented, the FDIC should reconsider formula factors like the loan mix index -- which penalizes certain loan concentrations associated with recent bank failures, regardless of a bank's underwriting quality or risk hedging -- and the measures of core deposits and one-year asset growth. Instead, the proposed formula should give more weight to a bank's CAMELS rating. "No mathematical formula ... can gauge the performance and condition of an individual bank, and the potential for it to fail in the future, as well as supervisors do during on-site examinations," ABA said.

Read the letter. ABA Regulatory Policy Staff1http://firstname.lastname@example.com://regreformtracker.aba.com/2015/09/aba-asks-fdic-to-reconsider-parts-of.htmltag:blogger.com,1999:blog-8681988120361586093.post-18897265547926702502015-09-09T09:20:00.002-04:002015-09-09T09:20:13.058-04:00ABA Wins Changes, Accelerated Review of Call Report BurdenAs part of its efforts to reduce reporting burdens, the banking agencies advanced changes to the Call Report — proposing to eliminate or revise several Call Report entries and signaling further action down the road. The action came in response to ABA engagement with the agencies and strong advocacy to make the Call Report reporting process less onerous. ABA President and CEO Frank Keating said:

We have long encouraged the banking agencies to review and improve the Call Report and we appreciate that they have responded to our concerns about how unwieldy it is. With more than 1,900 line items, the Call Report is due for review and we look forward to continuing to work with the agencies in this process.

The proposed Call Report changes would delete certain existing entries, increase the reporting thresholds for other entries and revise reporting instructions for certain entries. It would also add or revise generally applicable entries, including — for example — raising the time deposit size threshold to correspond with higher FDIC insurance limits. The agencies specifically highlighted ABA's advocacy on this issue. If finalized, the proposed reporting changes would take effect in December 2015 or March 2016.

The agencies also announced that they will accelerate the next review of Call Report items, originally scheduled for 2017. They also said that by the end of 2015 they will review the feasibility of a short-form Call Report for smaller institutions. They also pledged to engage more closely with financial institutions to understand Call Report burdens and better train the industry on handling the report. Comments on the proposal are due 60 days after it is published in the Federal Register.

Read the proposal.ABA Regulatory Policy Staff 2http://firstname.lastname@example.com://regreformtracker.aba.com/2015/09/aba-wins-changes-accelerated-review-of.html


text:
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Latest Updates
September 19, 2011
In the wake of the conflict in Libya, thousands of refugees who were in the country at the time have been forced to flee again. Now, they have nowhere to go. The international community holds the solu...
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A claim filed by jockey Shane Sellers with the National Labor Relations Board in connection with his removal from Churchill Downs Nov. 7 has been withdrawn, an NLRB official confirmed Dec. 2.Gary Muffley, director of NLRB Region 9, which has offices in Cincinnati, Ohio, said Sellers withdrew the charge. Sellers claimed Churchill engaged in unfair labor practices when he was handcuffed and ejected from the grounds after he had discussions with other jockeys about insufficient on-track medical insurance coverage.Sellers, who currently isn't riding, is a member of the Jockeys' Guild. He served as the Churchill Downs delegate in 2003. Sellers, in his claim to the NLRB, said he attended a Nov. 5 meeting of some jockeys at the Louisville, Ky., track at the request of another rider. Insurance and safety were among the issues discussed at the meeting.The claim said Sellers attended another meeting at Churchill Nov. 7 at the request of another rider, and ultimately was removed from the premises. Later that day, 14 jockeys were ejected from Churchill when they refused to commit to accept mounts for subsequent programs.The claim referred to Churchill as Sellers' "employer," though Churchill and other racetracks have argued that jockeys are independent contractors. The National Thoroughbred Racing Association Jockeys' Medical Insurance Panel has issued several consensus points, among them that jockeys should be considered independent contractors, not employees of racetracks.The NLRB is a federal agency charged with investigating and enforcing federal law governing labor-management relations. The organization, headquartered in Washington, D.C., has 34 regional offices in the United States.
Sellers' NLRB Claim Against Churchill Downs Withdrawn
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Protecting Children From Abuse
By SMW Staff
An unusual campaign has been created, but as you review the statistics and consider the lives of friends and family members who were victimized, you will want to do everything you can to bring Antonio Brown's book to light.
In his memoir "Muted. Dreams" – Antonio details his childhood of sexual and physical abuse at the hands of those who were supposed to protect him the most. For years he suffered in silence, forced to accept a nightmare childhood. But today, as an adult, he can help give power to those children facing this under-reported, under-recognized and under-treated plight.
Did you know:
- Every 13 seconds a child is abused
- It is estimated that 1 in 4 girls and 1 in 6 boys will have experienced an episode of sexual abuse while younger than 18 years
- Child sexual abuse can happen anywhere, to anyone in any neighborhood, in every religion, across all racial boundaries and ethnic group
- Most children are abused by someone they know and trust, although boys are more likely than girls to be abused outside of the family.
How can we fight what we do not know or refuse to see hiding in plain sight? The sooner we are able to talk openly, the sooner we can break the chain and save many children from abuse. Antonio has started a Kickstarter campaign to support his book "Muted. Dreams." The money raised through this Kickstarter campaign will cover:
- Printing costs for the novel in both hard cover and paperback (approximately 20,000 books).
- Promotional and advertising costs.
- Key city bi-coastal book tour, targeting those areas where reported cases of abuse and molestation are the highest.
- Costs of books to be given to young adults in youth centers and shelters who have suffered from abuse and molestation.
Help to get the word out about this epidemic and help raise much-needed funds to prevent more children from being victimized. Visit "Muted. Dreams" Kickstarter campaign to find out more. To read more about Antonio's story visit www.antonio-brown.com.


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Invaluable cannot guarantee the accuracy of translations through Google Translate and disclaims any responsibility for inaccurate translations.
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Lot 1442: SCRIVANIA
Design Auction
by Aste Boetto SRL
26 October 2016
Genoa, ItalyLive Auction
Past Lot
Looking for the realised and estimated price?
UNA SCRIVANIA anni "60.
Legno di mogano formica.
Cm 79 (h) x 117 x 64.
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Save Children From Chronic Asthma
— Issa Trust Foundation
Thank you!
Save Children From Chronic Asthma
— Issa Trust Foundation
Thank you!
$1 = 1 life saving asthma and nebulizer treatments.
Together with {{projectPageCtrl.acceptedMatchPerson.name.givenName}}, you helped fundYou helped fund the first {{projectPageCtrl.totalDonatedMicros|microusd}}.
That's {{projectPageCtrl.unitsReached}} life saving asthma and nebulizer treatments.life saving asthma and nebulizer treatments..
You did good. Share the love:
286 people have helped raise $542.
That's 542 life saving asthma and nebulizer treatments.
Did you know...
Data shows that over half the children in Jamaica suffer from chronic asthma. Asthma is one of the leading cause of mortality.
How you can help
A team of pediatric doctors and nurses provide free urgent pediatric care for children ages birth to 18 years in the St. Mary and St. Ann Parish, Jamaica. The doctors will assess the child's physical and emotional development, give guidance, provide lab work and pharmacy medications, if needed. Thousands of children have received life saving care.
About this nonprofit
The mission of the Foundation is to provide a system of prevention, health promotion and education, community health improvement and other services to promote well-being and development for the people of Jamaica.
Check them out at: http://www.issatrustfoundation.com/


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The Horse Forum (http://www.horseforum.com/forumindex.php)
- Horse Riding (/horse-riding/)
- - Anyone have any bloopers? :D (http://www.horseforum.com/horse-riding/anyone-have-any-bloopers-d-29010/)
Anyone have any bloopers? :D
Post your videos or pictures here, I need a laugh! :D
Here are mine...you can tell it's some of my best riding, for sure.
There's already a thread called Let's see those jumps gone wrong, you should check it out. XD
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Nearly 2 in 3 U.S. adults in their 60s were carrying debt in 2010, a substantial increase from 1998, when only half of those in that age group had debt, researchers with the Urban Institute have found. People in their 60s who owe money, particularly in the form of a home mortgage, are likely to delay retiring or collecting Social Security benefits, the study found.
Full Story:United Press International


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The heart of Weber and hub of Weber love.
Weber Nation has it all: stories, video techniques, the works.
Come on over, the grill is hot.
While you can certainly find a restaurant selling barbacoa, nothing compares when you grill it at home.
By Mike Lang
As the official Grillographer of Weber Nation, here are some tips to make your next set of grilled dinners screen licking worthy.
Share and connect with fellow grillers.
Share all of your grill moments.
Find out what's new from Weber including recipes, product information, and so much more!


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CISSP Certification Exams
Handle The Tricky Exam With Test-InsideThe exam was very tricky though but the preparation which I did from cissp study guide proved to be very useful in bringing success in it. I was suggested to visit Test-Inside by my friend who holds multiple certifications in information systems security. The first thing he guided me for cissp study was Test-Inside. I acted upon the advice and received immense amount of support during my preparation.
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Ensure The Element Of User-friendliness In Your PreparationIt was my wish to get authorization to develop policies and procedures for information security after spending 6 years in the same field as an associate. For that purpose the most suitable and highly famous option I opted for was to clear cissp certification exam. The first thing I did afterwards was to search for efficient cissp study material on the internet. The availability of using value pack of Test-Inside kind of appealed me in first sight due to the reasonable price. During my cissp study period, I thoroughly enjoyed practicing with exam engine and its features. You guys have really developed interactive products ensuring the element of user-friendliness. Thanks again.
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Find a Park > Browse by region > Flinders Ranges & Outback > Wabma Kadarbu Mound Springs
Explore the Blanche Cup and The Bubbler at Wabma Kadarbu Mound Springs and you will understand what has made them so important to all who have passed through this arid landscape.
The Blanche Cup and The Bubbler are natural artesian springs created from water deep within the Great Artesian Basin which filters to the surface, forming mounds and bubbling ponds. The wetlands created by the spring's overflow provide habitat to a variety of waterbirds.
It is here among this fragile and arid environment that the extinct mound spring of Hamilton Hill can also be found.
Open 24 hours a day, seven days a week.
This park is closed on days of Catastrophic Fire Danger and may be closed on days of Extreme Fire Danger.
Listen to the local area radio station for the latest updates and information on fire safety.
Phone: (+61 8) 8648 5300
Email: firstname.lastname@example.com
Phone: (+61 8) 8648 5328
Email: email@example.com
1300 361 033 (24-hour automated service)
Northern and Western South Australian Outback Roads Temporary Closures, Restrictions and Warnings Report
Wabma Kadarbu Mound Springs Conservation Park is located 498km north of Port Augusta. Access is via Oodnadatta Track.
Pets are not permitted within this park. There are however, a number of South Australian National Parks where you can take your dog on a lead.
We welcome visitors to our traditional lands and encourage them to learn about our stories and culture. In this area, visitor numbers vary greatly from about 5,000 in a dry year and soar to around 25,000 in a flood event year. We seek to establish culturally appropriate ways for people to experience the parks, in particular the waters and lake bed of Kati-Thanda and the mound springs of the area, which have high conservation and cultural values, and are sensitive to visitor impacts.
Aboriginal South Australians are the first peoples of our State and have occupied, enjoyed and managed these lands and waters since the creation. For SA's First Peoples, creation ancestors laid down the laws of the Country and bestowed a range of customary rights and obligations to the many Aboriginal Nations across our state.
Aboriginal peoples' oral histories and creation stories traverse the length and breadth of Australia's lands and waters, including South Australian Parks. These stories interconnect land and waters with complex meaning and values and hold great cultural significance. We recognise and respect Aboriginal people's ownership of their stories and that they hold rights and obligations to care for Country. It is through these rights and cultural obligations and a shared goal to protect the environment for generations to come that DEWNR is committed to meaningful collaboration and involvement with Aboriginal peoples in the management of our shared parks.
There is currently no bushwalking information available for this park, please contact the park office for more information.
Mountain biking is currently not permitted in this park.
Camping is not permitted within this park.
However, there is camping available at Coward Springs, a privately run campground with separate fees.
If you think you might be interested in volunteering opportunities within this park please contact our Volunteer Support Unit.
The international Trail Users Code of Conduct is to show respect and courtesy towards other trail users at all times.
Ensure that you:
When 4WDriving in the park, it is important to be aware of the following:
Every national park is different, each has its own unique environment, it is important to be responsible while enjoying all the park has to offer.
Please ensure that you:
Entry fees can be paid at Marree Telecentre and in-person or over the phone at the Port Augusta Natural Resource Centre.
Vehicle entry: $10.00
Vehicle entry (concession): $8.00
Fees collected are used for conservation and to maintain and improve park facilities.
Heading to the outback? Purchase a Desert Parks Pass which entitles you to 12 months vehicle entry into seven selected desert parks.
The pass also allows you to camp for periods of up to 21 nights at a time in the desert parks (excluding Wabma Kadarbu Mound Springs Conservation Park, where camping is not permitted).
There is no camping or accommodation available within this park.
There are no other fees or permits associated with this park.
© Copyright, Department of Environment, Water and Natural Resources 2014 | Disclaimer | Privacy | Accessibility | Updated 12 Jul 2016


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CHP writes ticket for bicycling "pedestrian" on San Tomas Expressway
Bicyclists are permitted to ride on the shoulder of the San Tomas Expressway in Santa Clara, California. Pedestrians, however, are not permitted on this expressway.
Akos was riding his bike on the expressway when he stopped to take this photo of a stopped car on the shoulder. This California Highway Patrol officer pulled over to give Akos a ticket. The violation: breaking the "No Pedestrians" rule!
Photo copied and modified with permission from Akos S.
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Uploaded on April 14, 2006


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Introducing the iWatch, which will change the world FOREVER
Here it is, the latest mind-blowing invention from Apple via a leaked video from sources in Silicon Valley that I can't reveal. Sorry. Not gonna do it. Wouldn't be prudent. … Continue reading
May 31, 2014 · 9 Comments
Improve your blog's bounce rate and such
I do this blog for fun, not for monies. HOWEVER: even casual bloggers probably want to make their bloggity blog more popular, and get more viewers. Want to make your … Continue reading
April 17, 2014 · 3 Comments


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Wisconsin Lutheran wins 22nd straight league game
West Bend — Germantown may have the state's longest winning streak in boys basketball, but Wisconsin Lutheran also has an impressive one going.
The Vikings not only have won the last eight Wisconsin Little Ten Conference championships, they also extended their league winning streak to 22 games with a 72-59 victory at West Bend East on Friday night.
"I don't know that I've ever talked to the boys about that streak, but at the beginning of the year, we talk about each team leaving its legacy," Lutheran coach Ryan Walz said. "That there's a sense of pride in the fact we've got a nice conference championship run going on. And you don't want to be the guys who end that streak of championships."
Lutheran, ranked fourth in the area by the Journal Sentinel, improved to 5-0 in the Little Ten (8-2 overall) thanks to a career-high 19 points from senior guard Keith Franklin. He shot 8 of 13 and had four rebounds, four assists and three steals.
Junior forward Anthony Carver added 17 points, 11 rebounds and four steals for the reigning Division 2 state runner-up Vikings.
"The two of them individually had a good game, but I think it's also the other kids getting them the ball in the right spots," Walz said. "They're a big, physical team. And playing against a 2-3 zone, when you get inside you've got to be able to take contact and still play.
"If I was to say, 'Hey, who here are the two best guys that we have that can take contact and still play,' it would be Anthony and Keith. So that's not a surprise to me."
East was off to a 4-0 start in conference play and was hoping to beat Wisconsin Lutheran for the first time since the 2001-'02 season. But the 7-4 Suns lost their third straight game.
"This is our benchmark game to find out what we can do against a great team like Wisco," East coach Ryan Tomczyk said. "In that third quarter, their athletic ability took over and they made some nice, key plays."
Lutheran held a 33-26 lead at halftime, but after baskets by Hayden Steinhardt and Alex Manhardt trimmed the advantage to just three, Walz called a timeout 61 seconds into the third period.
"One of the things we've been really struggling with and working on in practice is getting better defensively at the rim," Walz said. "And in that sequence, we gave up an offensive rebound at the rim and they put it back in. And we didn't help on a back screen and they got another layup.
"My frustration there is, 'Hey guys, we've spent all this time working on protecting the rim.' We talked about it at halftime, and here, first thing that happens, boom, boom, we have two defensive breakdowns and we give it up at the rim. I said that's the last time that that's going to happen. They agreed."
Lutheran responded with a 15-0 run to take control. Three times during the run Franklin stole the ball and scored layups.
"We just tried to fly around," Franklin said.
Lutheran capped the run with an offensive rebound and put-back by Jamare' Griffin for a 48-30 lead with 3:17 left.
A basket by Manhardt ended East's drought of 3:54 without a point.
"It's a long streak," Carver said. "It's hard to beat teams over and over after you've already played them, because they know what you're doing. So it's a lot harder and you have to stay that much more focused at practice and during games."
Access scores, schedules, rosters, statistics and more from area high school sports teams.
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- //Home
- //Books
- //Reviews
- //Helen Reddington
The Lost Women of Rock Music: Female Musicians of the Punk Era (Studies in Popular Music)
Helen Reddington
US: Apr 2012
In 1976, the emergence of punk rock established a raw, emotional, and socially conscious music genre. The music is identifiable by rapid cacophonous chord shifts accented by sometimes unintelligible lyrics – both reaching volumes marked by the highest decibel on the amplifiers. The audience, usually packed within the confines of a small venue, sought refuge in the societal margins and through the music experienced a type of social solidarity and camaraderie.
It is mistakenly thought that men constituted the majority of musicians, performers and audiences thereby resulting in the creation of an intensely dramatic homosocial space. Yet, if one were to scan across the audience, the spectator would notice women among the riotous crowds. These women were equally attracted to the loud and violent scene and fully participated in and influenced the punk rock framework. As Johnny Rotten observed "women were out there playing with the men, taking us on in equal terms" (5). But who were these female musicians and fans?
Helen Reddington's The Lost Women of Rock Music: Female Musicians of the Punk Era (2nd edition) is a cultural-history of the women in Brighton, England's punk rock movement. Part auto-ethnography and part original ethnography, Reddington calls upon her own experiences in the scene in addition to interviews, primary, and secondary sources to draw a complete picture of the role of women in punk rock. She showcases the experiences of groups such as The Slits, The Catholic Girls, the Au Pairs, and The Raincoats, just to name a few, in relation to the examination of larger social issues. For example, the frequency of women instrumentalists, the media response to women in punk rock, the innovations of the Brighton scene, and the commodification of female musicians, etc. Thus, it is Reddington's intention to give voice to the female punk rockers and document the "gender renegotiations that appeared to be happening during this period" (68).
Reddington adopts a feminist research model, articulating her own biases and tensions between her position as an academic and former punk rocker. By including herself amongst her informants, Reddington recreates a community that demonstrates multiple systems of thought. Since she is a member of the scene, she embodies a type of authenticity and validity that previously androcentric accounts lack. The Lost Women of Rock Music is a means to "rescue some less famous women's stories from obscurity, underlining that punk was just as much about individual empowerment as music making…" (11). For female fans and musicians, the punk lifestyle and music served as a tool by which they opposed social normativity and enabled the creation of a unique identity consciousness. Reddington's research establishes a clear sense of their creative, political, and social identity that also forcefully negotiated the phallocentric codes dictated by both punk music and the larger social expectations of women.
Chapter 4, "Noise, Violence, and Femininity", is arguably the most interesting chapter. Here Reddington examines the impact and ubiquity of sexual assault on a woman's participation in punk rock. Sexual and physical assault by audience members, music industry representatives, etc. became another factor preventing a woman's involvement but also reinforced "an element of 'regulation' and control" (122). However, the women ultimately created a space where dialogues about abuse, violence, or alienation facilitated a collective understanding of a shared non-normative experience. Generally the impact and repercussions of sexual assault is infrequently undertaken, thus rendering it as one of Reddington's novel contributions to the field.
Reddington's text is an important contribution to the scholarship on the role of women in music, and the inclusion of a woman's voice in popular social theory. Some of the best moments of this text are Reddington's confrontation with big-time social theorists such as Dick Hebdige, Simon Frith, Theodor Adorno, and John Savage who excluded and discounted women's contribution to music and social history. While Hebdige's et al. work can (sometimes) fit the identity of female punk rockers, their work typically "believes in a 'one size fits all' definition" (162).
Conversely, Reddington's work acts as a counterpoint as she brings attention to two important issues. First, women's contributions to musical-cultural histories are undervalued if women are included at all. The existing research reflects male-centric values and experiences while excluding the issues and insights unique to the marginalized. Second, by writing this book and including the narratives of her informants, Reddington prompts a call to women and the oppressed to construct their own narratives based on an equitable and empowered voice.
Yet at times, Reddington's research seems rehashed and duplicitous. Her first edition was published in 2007, and arguably at that time the scholarship and popular publications specifically dealing with this subject were few. Since then, much more work and research has been devoted to the role of women in punk rock and music. Reddington briefly acknowledges the work of Deena Weinstein, Mimi Schippers, and Lauraine LeBlanc. But the work of Gayle Wald, Mary Celeste Kearney, Marion Leonard, and Rosalind Gill, just to name a few, have also utilized Reddington's premise and demonstrated nuanced methods in understanding the role of women in music. Reddington's first edition was a groundbreaking study; this edition is a reiteration of the same plights and struggles.
More so, the organization of The Lost Women of Rock Music is curious. Her final chapter attempts to establish the social context for her study, although she spends the majority of the chapter undertaking the challenges and debates presented by academics and theorists. But it is here that she finally answers questions that she should have answered in the beginning of the book, such as what is her definition of punk rock and cultural expression, what were the social and political circumstances that framed the movement, etc. To know her standpoint would have brought more clarity to the overall text. It is also here that readers realize that she has completely overlooked race and sexual identity from her study and exclusively calls upon class as the primary association in the punk rock scene.
Without a doubt, Reddington has "opened new archives, discovered previously hidden documents and allowed suppressed voices to speak" (157). However, the majority of the book consists of lengthy block quotes and there is very little original commentary or analysis from Reddington. Yes, she is providing the space for the female punk rockers to voice their empowerment, yet from a reader's perspective it is difficult to hear their voices through the numerous accounts and academic din. Accordingly, Reddington acknowledges "it seemed better to focus on the experiences of fewer women in greater depth…[and] to avoid lengthy analysis of the tabloid attitude to punk bands" (9). Yet to overload the text with excerpts from the interviews renders a great disservice; the voices of other female punk rockers, in addition to Reddington's, are again lost rather than resurfaced.
Ultimately, any text that attempts to bring a woman's voice and experience to the forefront without trivialization is important. Regretably Reddington's The Lost Women of Rock Music: Female Musicians of the Punk Era only serves to restate the larger issues of women in music such as the negotiation of gender norms, archaic stereotypes of creative ability, the moral panics flamed by the media, and the position of women in the public realm, etc. Arguably, any type of research contextualizing the role of women in what is commonly (mis)understood as a homosocial space will reflect on the same issues. By all means read this book if you are interested in early punk rock but do not expect any new standards from which to frame your understanding of the era.
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Lana Del Rey "Love" (Singles Going Steady) // Music
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The Romantic Nightmare in Alfred Döblin's 'Bright Magic'
// Re:Print
"The stories in this collection are circular, puzzling; they often end as cruelly as they do quietly, the characters and their journeys extinguished with poisonous calm.READ the article