Presentations & Speeches

2009 Annual Business Meeting, May 19, 2009

• Timothy J. Karsky: Year-in-Review Report by Outgoing Chairman   
• Joseph A. Smith, Jr.: Chairmanship Acceptance Speech - Remarks by Incoming Chairman 

Supervisors Symposium, Tucson, Arizona, December 8-11, 2008

• John Munn (State of Nebraska): "FFIEC Issues"
• Joshua Siegel (StoneCastle Partners LLC): "Non-Control Equity Options for Community Banks"

Technology Seminar, Scottsdale, Arizona, September 28-October 1, 2008

• Michael Chan (ComplianceEase): "The Future of Mortgage Examination"
• Keith Nielsen (Microsoft): "The Business Productivity Platform"
• Keith Nielsen (Microsoft): "FDCC and Virtualization"
• Mark Watson, Mark Morris, Raymond Lee (FDIC): "Examination Tools Update"
• Rick Engle (Microsoft Federal): "Advancements in the World of Windows Mobile"
• Robert Birch (Microsoft Federal): "The Business Case for Software Powered Communications"
• Samantha Thomas (California Department of Financial Institutions): "Security Challenge: Next-Generation Technology with Last-Generation Policy"
• Jeffrey Kvistad (Federal Reserve Bank of Chicago): "The Technology Lab"
• David Catalanotto (ZixCorp): "Email Encryption for CSBS Members"

Legal and Deputy Seminars, Portland, Maine, August 11-15, 2008

• Brenda Edmonds (FRB): "Banking Organization National Desktop (BOND)"
• John "Buz" Gorman (CSBS): "CSBS Update" 
• Andrew M. Kaufman (Kirkland & Ellis): "Changing Climate for Borrowers and Lenders" 
• Donald B. McKinley (FDIC): "Resolution and Receivership Issues" 
• Molly Wassom and Christopher Spoth (FRB): "Federal Reserve Update" 
• Karl Nelson (Silverton Bank): "FDIC Liquidity Guidance - 2008" 
• John D. Arterberry (US DOJ): "Operation 'Malicious Mortgage' - Combating Mortgage Fraud" 
• Molly Wassom and Christopher Spoth (FRB): "New Charters Update" 
• Bill Matthews (SRR): "Nationwide Mortgage Licensing System (NMLS) Update" 
• Felecia Rotellini (Arizona DFI): "Who Is Your Client and Parallel Proceedings" 
• Bob Goff (DRR-NY Region): "Resolving Problem Institutions" 
• Joseph P. DeMarkey (Everbank Reverse Mortgage): "Reverse Mortgage Industry - It's Not Just a Different Product" 
• Edward D. Schreiber (Banknorth): "Risk Management Structure" 
• Craig Stone and Kathryn Kaplan (OCC): "Consumer Complaints: Assisting the American Public" 

AM&C 2008

Annual Meeting and Conference

• 2008 Annual Meeting & Conference Final Program 
• ‘CSBS Year in Review’ - Remarks by Outgoing Chairman Jeffrey C. Vogel 
• ‘CSBS: Rising to the Occasion’ - Remarks by Incoming Chairman Timothy J. Karsky 
• 'Economic Outlook' - Presentation by Mark M. Zandi, Chief Economist, Moody's Economy.com
• Prospects for Recovery & Repair of Mortgage Markets’ – Remarks by Randall S. Kroszner, Member, Federal Reserve Board of Governors
• "Mortgage Fraud: Crime of Opportunity or Crime of Necessity?” – Presentation by Merle D. Sharick, ChoicePoint (9MB)
• “Mortgage Fraud” – Presentation by Bob Simpson, IMARC  

Reverse Mortgage Lending Seminar, Harrisburg, Pennsylvania, March 25, 2008

Links to Presentations

• Joe DeMarkey, Everbank Reverse Mortgage: The Reverse Mortgage Opportunity
• Jim Milano, Weiner Brodsky Sidman Kider PC, Reverse Mortgages: An Overview of the Industry and Applicable Laws
• Tony Sexauer, HUD, Philadelphia Home Ownership Center: Home Equity Conversion Mortgage

CSBS De Novo Bank Forum, Arlington, Virginia, February 5–7, 2008

Presentations and Related Documents and Links

February 5, 2008

• Tim Critchfield, FDIC: Recent Trends in De Novo Chartering
• John Henrie, FDIC: De Novo Applications for Deposit Insurance
• Don Musso, FinPro: Industry Perspective, Issues for De Novos in the Chartering Process

February 6, 2008

• Georgia High, CSBS, Panel with Scott Cameron (CA), Lynda Drake (TX) and Joe Moretz (PA): Review of State Chartering and Application Processes
• Gale Simons-Poole: FDIC, Niche Banks
• Chiwon Yom, FDIC: Performance and Portfolio Choice of Recently Chartered Banks
• Gale Simons-Poole, FDIC: De Novo Bank Supervision Issues

Related Links and Documents

• De Novo Bank Forum, Final Agenda
• 2004 Future of Banking, FDIC
• 2002 Revisions to Delegations of Authority, FDIC: Applications, Filings, and Enforcements Board Resolution (No. 071098)
• 2002 Revisions to Delegations of Authority, FDIC: Notices and Filings Matrix
• Jeff Vogel, Commissioner, Wyoming Division of Banking: Why Should I Choose a State Charter?
• FinPro De Novo Application Timeline (Excel or PDF)
• FinPro De Novo Application Checklist (Excel or PDF)
• FinPro De Novo Capital Dilution (Excel or PDF)
• FinPro De Novo Pre-opening Budget (Excel or PDF)

Residential Mortgage Examiners School, Redondo Beach, California - November 5-9, 2007

• HUD Settlement Costs Booklet
• FREDDIE MAC Discover Gold Through Quality
• Understanding & Checking APRs

CSBS Technology Forum and Examiner Education Forum, Savannah, Georgia - October 14-19, 2007

• Anatomy of a Network Attack: Exploring the Gozi Trojan
• Facing the Threat of a Severe Influenza Pandemic: Planning for Businesses
• Federal Desktop Core Configuration: What it is and how it will help
• GENESYS Testing Vista / Office 2003

BSA/AML Forum, Hershey, Pennsylvania - July 18-20, 2007
Presentations

• July 18, 2007
• July 19, 2007
• July 20, 2007

AM&C 2007

Annual Meeting and Conference

• E. Joseph Face Jr.: Year-in-Review Report by Outgoing Chairman 
• Jeffrey C. Vogel: CSBS 2007 and Beyond - Remarks by Incoming Chairman
• Lynn Slepski: Planning in the Face of a Pandemic
• Duncan MacDonald: AM&C Turmoil in Bank Regulation
• Doug Duncan: Economic Outlook: the Latest Real Estate Finance Conditions and Trends
• Martin J. Gruenberg: Current Issues Before the FDIC  

Supervisors Workshop

• Chris Cruise: Mortgage Brokers

International Symposium

• David Abshier:Emering Issues and Market Trends
• Larry Bonnemere: Central and Eastern Europe - Managing Risk in an Era of Progress 
• John Campbell: Back to Business
• Teresa Curran: Aftermath of the Asian Financial Crisis
• Carolyn Healy: Latin America Regional Update
• John Ross: International Banking Activities

Financial Services Symposium

• Bert Ely: The Farm Credit System's HORIZONS Project - Targeting Community Banks
• Dale Jacobs: Complying with ALLL Guidance
• Barrett Burns: Credit Management Today

Friday Breakout Sessions

• Lynn Slepski: Pandemic Breakout

Photo Shows from CSBS 2007 Annual Conference

• 2007 CSBS Annual Conference Program
• 2007 Supervisors Symposium 
• 2007 CSBS Annual Conference Networking
• 2007 Bankers’ Program
• 2007 Annual Business Meeting
• 2007 CSBS Annual Conference Exhibits

September 18, 2007

March 28-29, 2007

Photos from 2007 CSBS Washington Fly-In

March 9, 2007

Viewpoint: Guidance to Streamline Mortgage Supervision

September 25-26, 2006

CSBS Washington Update, District I Meeting

New York Regulator Barbara Kent Testifies on Subprime Lending and Predatory Lending Laws at Federal Reserve Board Hearing

Georgia Regulator George Reynolds Testifies on Non-Traditional Mortgage Products Federal Reserve Board Hearing

Washington State Regulator Chuck Cross Submits Statement on Nontraditional Mortgages at Federal Reserve Board Hearing

Pennsylvania Regulator David Bleicken Testifies on Subprime Market & Role of Mortgage Brokers at Federal Reserve Board Hearing

Commentary: Charter Choice. The Secret Weapon of America’s Banking System

March 27, 2006

CSBS/AARMR National Mortgage Database Presentation to NAMB

January 12, 2006

CSBS Washington Update, District V Meeting

June 14, 2005

U.S. Dual Banking System: The Benefits of Charter Choice

July 2004

Remarks by G. Edward Leary, Utah Commissioner of Financial Institutions, at 2004 NCSL Annual Meeting

Remarks by John P. Burke, Connecticut Commissioner of Banking, at 2004 NCSL Annual Meeting

AM&C 2004

State of the State Report: AMC 2004, Given By Mick Thompson and John Allison

July 16, 2003

Opening Statement by G. EDWARD LEARY, Utah Commissioner of Financial Institutions, before FDIC Symposium on The Future of Banking: The Structure and Role of Commercial Affiliations, Washington, D.C.

AM&C 2003

Remarks by exiting CSBS Chairman, Gavin Gee

AM&C 2003 - AM&C Remarks by 2003 CSBS Chairman, Mick Thompson

AM&C 2003 - AM&C Remarks by Wayne Abernathy

March 10, 2003

Financial Services Regulatory Policy for the 21st Century by Bert Ely

AM&C 2002

AM&C 2002 - AM&C Remarks by CSBS Chairman, Gavin Gee