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Current: 2016 Volume 102

November 23

Residential Mortgage Lending from 2004 to 2015: Evidence from the Home Mortgage Disclosure Act Data (PDF)
Neil Bhutta and Daniel R. Ringo

This article provides an overview of the 2015 data reported under the Home Mortgage Disclosure Act of 1975 and analyzes mortgage market activity over time as well as lending patterns across different demographic groups and lender types. The number of home-purchase originations was about 13 percent higher in 2015 than in 2014, and the number of refinance loans was 36 percent higher. The increase in lending was broad based across demographic and income categories.

November 21

Legal Developments: Third Quarter, 2016 (PDF)

Three orders were issued this quarter, one for KeyCorp, Huntington Bancshares Incorporated, and Chemical Financial Corporation under section 3 of the Bank Holding Company Act.

September 22

Legal Developments: Second Quarter, 2016

Nine orders were issued this quarter, one for Republic Bancorp, Inc., BNC Bancorp, Ohio Valley Banc Corp., and Bank of the Ozarks, Inc. under section 3 of the Bank Holding Company Act; one for Sumitomo Mitsui Trust Holdings, Inc. and Sumitomo Mitsui Trust Bank, Limited under section 4 of the Bank Holding Company Act; one for Origin Bank and Compass Bank under the Federal Reserve Act; and one for Banque SYZ SA under the International Bank Act.

June 7

Legal Developments: First Quarter, 2016

Three orders were issued this quarter, one for Goldman Sachs Bank USA under the Bank Merger Act, one for Frost Bank under the Federal Reserve Act, and one for Unione di Banche Italiane, S.p.A. under the International Banking Act.

PDF

March 17

Legal Developments: Fourth Quarter, 2015

Ten orders were issued this quarter, one for Royal Bank of Canada, Baylake Corp., and BB&T Corporation under Section 3 of the Bank Holding Company Act, one for Community Bank System, Inc. under Sections 3 and 4 of the Bank Holding Company Act, one for Farmers Bank of Northern Missouri under the Bank Merger Act, one for Chemical Bank under the Federal Reserve Act, one for Royal Bank of Canada, Korea Exchange Bank, and Taiwan Business Bank, Ltd. under the International Banking Act, and one for Synchrony Financial under the Home Owners' Loan Act.

PDF

January 28

Legal Developments: Third Quarter, 2015

Seven orders were issued this quarter; one for DIT Group, Inc., Banner Corporation, First Horizon National Corporation, and Empresas Juan Yarur SpA under Section 3 of the Bank Holding Company Act; one for M&T Bank Corporation under Section 4 of the Bank Holding Company Act; one for PacWest Bancorp under Sections 3 and 4 of the Bank Holding Company Act; and one for Auburn State Bank under the Federal Reserve Act.

Last update: November 23, 2016