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ABA Policy Positions Index

       Summary of 2009 Priorities
      

2009 GR Action Priorities 

• The Farm Credit System / HORIZONS
• Credit Union Regulation
• Industrial Loan Companies
• Payments System Issues
• Security in Electronic Banking
• Data Security
• Interchange
• Federal Home Loan Bank System
• Fannie Mae and Freddie Mac Mission and Regulation
• User Registration Fees on New Debt Issues by GSE's
• Basel Capital Standards
• Economic Recovery Updates/Resources

Fundamental Policy Principles

• Promoting the Security of America
• Financial Education
• Charter Choice, Dual Banking & Business Flexibility
• Mutual Institution Charter
• Independence of the OTS
• Minority Depository Institutions
• Agriculture and Rural Development
• Protecting Homeownership
• Future Regulatory Reform

Safety & Soundness

• Corporate Governance & Disclosure
• FDIC Premiums
• Examination Review / Appeals Process
• FDIC Examination Fees
• Commercial Real Estate
• Call Report Forms
• Enforcement Standards for Independent Contractors
• Community Reinvestment Act
• Federal Election Law

Business Opportunities

• Commercial and Small Business Lending Limits
• Commercial Banking
• Small Business Access to Capital
• Postal Costs

Consumer Issues

• Anti-Money Laundering
• Prepaid Cards
• Military "Payday" Lending
• Customer Information
• Identity Theft
• Electronic Communications With Customers & Businesses
• Overdraft Protection Services
• Unfair and Deceptive Acts and Practices
• RESPA Reform
• National Standards / Federal Preemption

Wealth Creation and Management

• Disclosure of 401(K) Plan Fees
• Trusts Services
• Estate and Gift Tax
• Social Security
• Health Savings Account
• Sale of Mutual Funds and Insurance/ FCRA
• Securities Activities
• Updating SEC Registration Requirements

Insurance Affordability / Availability

• Optional Federal Insurance Charter
• Flood Insurance
• Natural Disaster Insurance
• Homeowners Insurance

Accounting

• Loan Loss Reserves
• Fair Value Accounting
• Accounting for Mutual Combinations
• Implications of FASB Statement No.

Tax

• Low Income Housing Tax Credits
• Tax Incentives for Savings and Investment
• Expanded IRAs and Other Savings Incentives
• Subchapter S and Limited Liability Corporation
• Business Activity Tax
• Bank Calculation of Business Expense Disallowance
• Bank Logo on Information Statements Mailed to Bank Customers

Additional Resources

• Emergency Preparedness Resources 

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