Agencies
Services
Interpretive Letters by Subject
All Interpretive Letters require the Adobe Acrobat Reader. The free Adobe(R) Acrobat(R) Reader allows you to view, navigate, and print PDF files across all major computing platforms.
Acrobat Reader X is necessary to access PDF documents.
Click on the "Get Adobe Reader" icon to the left to download the product for free.
[Issued January 1, 1980 to January 29, 2023]
| A | |
| Access, Shareholder List | 91-03 |
| Accident Insurance, Sale of by Bank | 89-06 |
| Acquire Real Property for Swap, Bank Premises | 93-07.1 |
| Advisory Services, Financial, General Banking Business | 89-07 |
| Affiliate (80% commonly owned), Affiliate Transactions, Lending Limit, Low Quality Assets | 94-22 |
| Affiliate Facility, Bank | 20-02 |
| Affiliate Bank, Letters of Credit, Lending Limits | 90-16 |
| Affiliate Bank, Employees Attending Trust Committee Meetings | 10-01 |
| Affiliate, Covered Transaction, Bank Holding Company Stock Loan | 87-01 |
| Affiliate (80% owned), exemption, lending limit, collateral requirements | 93-31 |
| Affiliate Facility, Savings and Loan Association, Savings Bank | 93-15 |
| Affiliate Transactions, Affiliate (80% commonly owned), Lending Limit, Low Quality Assets | 94-22 |
| Affiliates (Not Disclose to), Customer Financial Records | 93-10 Rescinded |
| Agency, Farm Real Estate Brokerage, Trust Company | 95-11 |
| Aggregation, Corporate Loan, Guarantee, Individual Loans, Partnership Loan | 90-02 |
| Aggregation, General Partner's Loans, Limited Recourse, Limited Partnership | 94-06 |
| Aggregation, Guarantee of Loan by Corporation, Lending Limit | 92-13 |
| Aggregation, Limited Partner (Loan to), Limited Partnership (Loan to) | 90-08 |
| Aggregation of Loans, Limited Liability Company, Member Borrowings | |
| Appraisals, Qualified Real Estate Loan, Loan Participation | 94-18 |
| Appraisals, Qualified Real Estate Loan, Technical Deficiency | 91-10 |
| Appraiser (Independent), Bank Officer, Qualified Real Estate Loans | 93-14 |
| Approval (Not Required), Loan Production Office | 91-21 |
| Armored Car Service, Branch (Not), Deposit (Credited When Received by Bank) | 91-23 |
| Assignee for Benefit of Creditors, Certificate of Authority Not Required | 95-12 |
| ATM Access, Depository Receptacle | 92-04 |
| ATM (Mobile), Riverboat | 92-01 |
| ATM, Mobile | 90-21 Rescinded |
| ATM, Proprietary Advertising | 94-02 |
| ATM's, Establisher of | 85-04 |
| ATM's, Establishment of | 96-07 |
| Automatic Teller Machine, Branch (Not) | 91-19 Rescinded |
| Back to the Top B |
|
| Bancorp, Bancorporation or Bancshares, Not Prohibited Use of Bank, Banker or Banking | 88-08 |
| Bank, Banker, Banking, Merchant "Bank", Corporate Name, Not Permitted | 90-06 |
| Bank Charter (Date of), Conversion, Trust Company Certificate of Authority (Date of) | 91-26 |
| Bank, Banker or Banking, Bancorp, Bancorporation or Bancshares Not Prohibited Use of | 88-08 |
| Bank Holding Company, Incorporator of Interim State Bank | 93-17 |
| Bank Holding Company Stock, Incorporators, Stock Ownership | 95-14 Rescinded |
| Bank Holding Company Stock Loan, Affiliate, Covered Transaction | 89-11 |
| Bank Holding Company, Voting Trust | 89-01 |
| Bank Officer, Appraiser (Independent), Qualified Real Estate Loans | 93-14 |
| Bank Premises, Acquire Real Property for Swap | 93-07.1 |
| Bank, Real Estate, Employee Parking Lot | 93-09 |
| Banking Business, Foreign Bank Representative Office, Solicit Customers, Accept Deposits/Make Loans(Not) | 91-12 |
| Bond Registrar, Fiduciary Business, Certificate of Authority | 94-17 |
| Branch, Courier Service (Bank operated) | 94-25 |
| Branch, EFT Switch, Connection (direct) Main Office | 96-03 |
| Branch, Home Banking Service, Personal Computer | 90-03 |
| Branch, loan production office (LPO) | 98-04 |
| Branch (Not), Armored Car Service, Deposit (Credited When Received by Bank) | 91-23 |
| Branch (Not), Automatic Teller Machine | 91-19 |
| Branching (Not), Deposit Production | 20-02 |
| Branch (Not), National Bank, Development Credit Corporation Investment | 91-32 |
| Branch (Not), Out-of-State Agent for State Bank | 93-04 |
| Branch (Not), Senior Citizen Banking Facility | 92-03 98-08 |
| Branches, Deposit Receptacles, Night Depositories | 94-10 |
| Branches, Naming/Adopted Names | 09-01 |
| Branching, De Novo | 04-01 |
| Brokerage | 97-06 |
| Back to the Top C |
|
| Call Report, Publication, Newspaper, Community | 94-20 Rescinded |
| Cash only ATM's, Establishment of | 96-07 |
| Certificate of Authority, Bond Registrar, Fiduciary Business | 94-17 |
| Certificate of Authority (broker), Deposit with Broker, Securities in Fiduciary Accounts Act | 95-09 |
| Certificate of Authority Not Required, Assignee for Benefit of Creditors | 95-12 |
| Certificate of Deposit, Investment Limit | |
| Certificate of Deposit, Pledged Segregated Deposit Account, Lending Limit Exception | 91-11 |
| Change of Control, Corporate Reorganization, | 89-15 |
| Change of Control, Employee Stock Ownership Plan | 90-11 |
| Change in Control, Out-of-State Bank Holding Company, Merger | 93-08 |
| Change of Control (Not), Proxies, Solicitation of Revocable Written Proxies | 92-06 |
| Change in Control (Not) - Reorganization | 20-03 |
| Charter Amendment, Contribution to Surplus (No Stock Issued) | 92-11 |
| Charter Amendment, Cumulative Voting Rights, Elimination | 90-01 |
| Check Printer and Check Number Act | 98-07 |
| Check Printer and Check Number Act, Verification Requirements | 98-14 |
| Collateral, Deposit Account of Guarantor, Lending Limit, Guarantee Form | 93-26 |
| Collateral, Medicaid Payment Rights, Lending Limit (Exceptions and Exemptions) | 91-20 |
| Collateral requirements, Affiliate (80% owned), exemption, lending limit | 93-31 |
| Collateralize Deposits, Grantees of Public Agencies, Public Funds | 91-04 |
| Collateralized Mortgage Obligations, Marketable Investment Securities, Community Development | 91-05 |
| Collection Services, State Bank Not Bill Collection Agency | 88-04 |
| Colleges, temporary banking locations soliciting student accounts | 97-05 |
| Commissioner Approval, Foreign Banking Office Act, Powers, Derivatives Trade or Holding | 95-15 |
| Common Directors--Bank and Holding Company, Consolidated Board Meetings and Minutes, | 95-13 |
| Community, Call Report, Publication, Newspaper | 94-20 |
| Community Development, Joint Venture, Industrial Park | 90-25 |
| Community Development, Limited Partnership, Condominiums for Disabled and Low-Income | 89-16 |
| Community Development, Marketable Investment Securities, Collateralized Mortgage Obligations | 91-05 |
| Condominiums for Disabled and Low-Income, Limited Partnership, Community Development | 89-16 |
| Confidential Supervisory Information, Disclosure to Bank's Insurance Company | 02-05 |
| Confidentiality of Customer Financial Records | 01-01 |
| Connection (direct) Main Office, EFT Switch, Branch | 96-03 |
| Consolidated Board Meetings and Minutes, Common Directors--Bank and Holding Company | 95-13 |
| Consumer Installment Loan Act, Disclosure, Rule of 78's. | 92-14 |
| Consumer Installment Loan Act, Late Charges, Interest Act | 92-02 |
| Contract, Interest Rate, State Bank, Rate (agreed) | 94-21 |
| Contractual Deposit-taking Relationships, Nonaffiliated Banks | 02-02 |
| Contribution to Building Fund Bank Trade Association, Incidental Power | 91-25 |
| Contribution to Surplus (No Stock Issued), Charter Amendment | 92-11 |
| Conversion, Bank Charter (Date of), Trust Company Certificate of Authority (Date of) | 91-26 |
| Corporate Fiduciary Act Certificate, Foreign Banking Office Act Certificate | 94-15 |
| Corporate Fiduciary, Investment of Trust Assets | 02-01 |
| Corporate Fiduciary, Investment of Trust Assets, Mutual fund, Fee for Services to Mutual Fund, Disclosures, Reasonable Fees | 94-09 |
| Corporate Fiduciary, Investment of Ward's Assets | 02-01 |
| Corporate Fiduciary, Permitted Investment of Trust Assets, Mutual Fund, Fee to Corporate Fiduciary | 96-05 |
| Corporate Fiduciary, Securities Lending Permitted | 92-12 |
| Corporate Loan, Guarantee, Aggregation, Individual Loans, Partnership Loan | 90-02 |
| Corporate Name, Merchant "Bank", Not Permitted, Bank, Banker, Banking | 90-06 |
| Corporate Reorganization, Change of Control | 89-15 |
| Corporation (Not in Banking Business), Equipment Financing | 93-20 |
| Correspondent Services, Deposit-taking | 02-02 |
| Courier Service (Bank operated), Branch | 94-25 |
| Covered Transaction, Affiliate, Bank Holding Company Stock Loan | 89-11 |
| Credit Card Bank, Subsidiary, Limited Purpose Bank | 91-13 |
| Credit Card Receivables, Low Quality Assets (Past Due Accounts), Sale to Affiliate | 87-04 |
| Credit Insurance, Unemployment | 93-24 |
| Credit Life Insurance, Sale of by Bank | 89-06 |
| Cumulative Voting Rights, Elimination, Charter Amendment | 90-01 |
| Customer Financial Records, Disclosure Prohibited by Federal Law, Subpoena (Notice of) | 93-03 |
| Customer Information, Disclosure to Bonding Company | 85-03 Rescinded |
| Back to the Top D |
|
| Data Processing Services | 98-11 |
| Data Transmission Services | 98-11 |
| De Novo Branching | 04-01 |
| Debit Card System (University ), General Banking Business | 91-02 |
| Debt Cancellation Agreement, Incidental Power, General Banking Business | 94-11 |
| Deferred Compensation Plan Funding, Life Insurance | 90-13 |
| Delegation, Discretionary Investment Authority, Oversight Procedures | 92-18 |
| Deposit Account of Guarantor, Collateral, Lending Limit, Guarantee Form | 93-26 |
| Deposit with Broker, Securities in Fiduciary Accounts Act, Certificate of Authority (broker) | 95-09 |
| Deposit (Credited When Received by Bank), Armored Car Service, Branch (Not) | 91-23 |
| Deposit Guaranty Bonds (deposits in excess FDIC Insurance), Senior Citizen Banking Facility | 94-04 |
| Deposit Production | 20-02 |
| Deposit Receptacles, Night Depositories, Branches | 94-10 |
| Depository Receptacle, ATM Access | 92-04 |
| Derivatives | 13-01 |
| Derivatives Trade or Holding, Foreign Banking Office Act, Powers, Commissioner Approval | 95-15 |
| Development Credit Corporation Investment, National Bank, Branch (Not) | 91-32 |
| Director, Advisory, Director Emeritus | 90-18 |
| Director Emeritus, Advisory Director | 90-18 |
| Directors, Change Number of | 98-02 |
| Directors, Number of | 90-15 |
| Directors, Number of Directors (Less Than Five), Outside Director Required | 91-30 |
| Directors, Number of, Shareholders Vote | 90-09 |
| Disclosure of Confidential Customer Information to Bonding Company | 85-03 |
| Disclosure, Consumer Installment Loan Act, Rule of 78's. | 92-14 |
| Disclosure, Examination Report, Out-of-State Bank Regulator | 91-07 |
| Disclosure Prohibited by Federal Law, Subpoena (Notice of), Customer Financial Records | 93-03 |
| Disclosures, Corporate fiduciary, Investment of trust assets, Mutual fund, Fee for Services to Mutual Fund, Reasonable Fees | 94-09 |
| Disclosures, Federal Equal Credit Opportunity, Credit Card Issuance Act | 94-14 |
| Discount Brokerage Services, General Banking Business | 89-10 |
| Discretionary Investment Authority, Delegation, Oversight Procedures | 92-18 |
| Dissemination of Electronic Information | 01-06 |
| Divestiture, ORE, Transfer to Bank Holding Company | 91-27 |
| Dollar Roll Transaction, Fixed Coupon | 89-09 |
| Drafts, Letters of Credit, Automatic Renewal | 90-12 |
| Back to the Top E |
|
| Early Cancellation Fee, Home Equity Line of Credit, Revolving Credit Plan, Financial Services Development Act | 96-01 |
| EFT Surcharge Notice Requirement | 06-01 |
| EFT (Electronic Funds Transfer) Network, Permitted Investment | 92-16 |
| EFT Switch, Connection (direct) Main Office, Branch | 96-03 |
| Electronic Mail, Conduct Business via, Board of Directors | 02-08 |
| Electronic Signature Technology | 16-02 |
| Employee Benefit Trust, Permissible Investment, Vacation Home | 94-23 |
| Employee Parking Lot, Bank, Real Estate | 93-09 |
| Employee Residence, Purchase, Transferred Employee | 95-01 |
| Employee Stock Ownership Plan, Change of Control | 90-11 |
| Employment Security (Illinois Department of), Visitation (exclusive), Unemployment Tax Records | 95-03 |
| Energy Derivatives, Foreign Bank, Management and Controls | 94-19 |
| Equipment Financing, Corporation (Not in Banking Business) | 93-20 |
| Establisher of ATM's | 85-04 |
| Examination Report, Disclosure, Out-of-State Bank Regulator | 91-07 |
| Examination Report, Financial Record of Customer (Not), Notice to Customers Not Required, Subpoena of Examination Report | 92-07 |
| Examination Report, Production by Bank Prohibited, Subpoena | 89-08 |
| Exemption, Affiliate (80% owned), lending limit, collateral requirements | 93-31 |
| Back to the Top F |
|
| Factor, Account Receivables, General Banking Business | 90-07 |
| Farm Real Estate Brokerage | 97-06 |
| Farm Real Estate Brokerage, Agency, Trust Company | 95-11 |
| Federal Agricultural Mortgage Corporation ("Farmer Mac"), Permitted Investment | 88-06 |
| Federal Home Loan Bank, Stock in, Permitted Investment | Rescinded and Superseded by: |
| Federal Home Loan Mortgage Corporation Stock, Permitted Investment, Student Loan Marketing Corporation Stock | 92-05 |
| Federal National Mortgage Association, Permissible Investment | 87-02 Rescinded |
| Fee for Services to Mutual Fund, Corporate fiduciary, Investment of trust assets, Mutual fund, Disclosures, Reasonable Fees | 94-09 |
| Fee to Corporate Fiduciary, Corporate Fiduciary, Permitted Investment of Trust Assets, Mutual Fund | 96-05 |
| Fiduciary Business, Bond Registrar, Certificate of Authority | 94-17 |
| Financial Privacy Laws are not inconsistent with the provisions of the Gramm-Leach-Bliley Act | 04-02 |
| Financial Record of Customer (Not), Examination Report, Notice to Customers Not Required, Subpoena of Examination Report | 92-07 |
| Financial Services Development Act, Home Equity Line of Credit, Revolving Credit Plan, Early Cancellation Fee, | 96-01 |
| Fire Protection District, Loan, General Obligation, Lending Limit (Exemption) | 91-31 |
| Fixed Coupon Dollar Repo Transaction | 89-09 |
| FNMA Stock, Investment Limits | 96-02 |
| Foreclosure Sale (Not Before), Second Mortgage, Purchase | 90-20 |
| Foreign Bank, Energy Derivatives, Management and Controls | 94-19 |
| Foreign Bank Representative Office Act, Out-of-State Bank, Loan Production Office | 91-17 |
| Foreign Bank Representative Office, Solicit Customers, Accept Deposits/Make Loans (Not), Banking Business. | 91-12 |
| Foreign Bank, Risk Participations--Other Branches, Guarantee of Loan (not) | 95-07 |
| Foreign Bank, Subsidiary, Property Obtained in Collection of a Debt | 91-22 |
| Foreign Banking Office Act Certificate, Corporate Fiduciary Act Certificate | 94-15 |
| Foreign Banking Office Act, Powers, Derivatives Trade or Holding, Commissioner Approval | 95-15 |
| Full Faith and Credit, General Obligation (Alternate Bonds), Investment Limits Exemption | 91-18 |
| Futures Commission Merchant, Subsidiary of State Bank | 83-01 |
| Back to the Top G |
|
| General Banking Business, Account Receivables, Factor | 90-07 |
| General Banking Business, Debit Card System (University ) | 91-02 |
| General Banking Business, Debt Cancellation Agreement, Incidental Power | 94-11 |
| General Banking Business, Discount Brokerage Services | 89-10 |
| General Banking Business, Equity-linked CDs | 02-01 |
| General Banking Business, Financial Advisory Services | 89-07 |
| General Banking Business, Incidental Power, Guaranteed Asset Protection Plan | 94-13 |
| General Banking Business, Securities, Purchase as Agent for Customer | 89-05 |
| General Obligation (Alternate Bonds), Full Faith and Credit, Investment Limits Exemption | 91-18 |
| General Obligation, Loan, Fire Protection District, Lending Limit (Exemption) | 91-31 |
| General Obligations, Municipalities in Bank's County, Investment Limits, Revenue Bonds, Obligations of State of Illinois (Secured by) | 93-19 |
| General Obligations of Municipalities, Marketable Investment Securities, Rating Requirements | 92-15 |
| General Obligations (Not), Tax Increment Financing Bonds, Investment Limits | 93-11 |
| General Partner's Loans, Limited Partnership, Aggregation, Limited Recourse | 94-06 |
| Guarantee | 98-05 |
| Guarantee of Collection, Lending Limit, Guarantee of Payment | 93-21 |
| Guarantee, Corporate Loan, Aggregation, Individual Loans, Partnership Loan | 90-02 |
| Guarantee of Loan by Corporation, Lending Limit, Aggregation | 92-13 |
| Guarantee of Loan (not), Foreign Bank, Risk Participations--Other Branches | 95-07 |
| Guarantee of Payment, Lending Limit, Guarantee of Collection | 93-21 |
| Guarantee, Separate Limit in Addition to Customer Borrowing/Lending Limit | 85-05 |
| Guarantee Form, Collateral, Deposit Account of Guarantor, Lending Limit | 93-26 |
| Guaranteed Asset Protection Plan, Incidental Power, General Banking Business | 94-13 |
| Back to the Top H |
|
| Health Insurance, Sale of by Bank | 89-06 |
| Home Banking Service, Personal Computer, Branch | 90-03 |
| Home Equity Line of Credit, Revolving Credit Plan, Financial Services Development Act, Early Cancellation Fee, | 96-01 |
| Back to the Top I |
|
| Incidental Power, Contribution to Building Fund Bank Trade Association | 91-25 |
| Incidental Power, Debt Cancellation Agreement, General Banking Business | 94-11 |
| Incidental Power, Equity Derivatives Hedging | 02-01 |
| Incidental Power, Temporary Residence for Bank Personnel | 91-33 |
| Incidental Power, Guaranteed Asset Protection Plan, General Banking Business | 94-13 |
| Incorporator of Interim State Bank, Bank Holding Company | 93-17 |
| Incorporators, Stock Ownership, Bank Holding Company Stock | 95-14 |
| Indemnification, Officers, Directors, Employees, Personal Liability | 91-16 |
| Indiana Trust Company, , Representative Office, Place of business in Illinois | 94-16 |
| Industrial Park, Joint Venture, Community Development | 90-25 |
| Installment Loans, Variable Interest Rate, Payments Equal Amounts | 94-05 |
| Insurance Contracts, Permitted Investment (Not) | 90-19 |
| Insurance Underwriting, Super Wild Card Powers | 00-02 |
| Interest Act, Late Charges, Consumer Installment Loan Act | 92-02 |
| Interest Rate, Loans Secured by Mortgage on Real Estate | 98-01 |
| Interest Rate, State Bank, Contract, Rate (agreed) | 94-21 |
| Internet Service Provider, State Bank, Community Development | 96-04 |
| Investment Adviser, Mutual Fund, State Bank | 99-02 |
| Investment Authority (Discretionary), Delegation, Oversight Procedures | 92-18 |
| Investment business (not), trust company, title insurance agent, permitted activity | 97-03 |
| Investment Limit, Certificate of Deposit | 85-06 |
| Investment Limits Exemption, General Obligation (Alternate Bonds), Full Faith and Credit, | 91-18 |
| Investment Limits, FNMA Stock | 96-02 |
| Investment Limit, Mutual Funds | 02-03 |
| Investment Limit, Non-Rated Bonds, Public Agency | 93-22 |
| Investment (not), loan workout, stock of borrower, State Bank | 97-02 |
| Investment Limits, Tax Increment Financing Bonds, General Obligations (Not) | 93-11 |
| Investment, Tax Sale Certificates Not Permissible | 86-01 |
| Investment of Trust Assets, Corporate fiduciary, Mutual fund, Fee for Services to Mutual Fund, Disclosures Reasonable Fees | 94-09 |
| Investments, Non-rated Marketable Investment Securities, Limitations and Standards | 94-24 |
| Back to the Top J |
|
| Joint Venture, Industrial Park, Community Development | 90-25 |
| Back to the Top L |
|
| Late Charges, Interest Act, Consumer Installment Loan Act | 92-02 |
| Lease not Disposition, Other real estate owned ("OREO") | 94-08 |
| Lease Financing | 00-01 |
| Lease Personal Property to, Lease Real Property to, Municipality | 93-27 |
| Lease Personal Property, Lending Limit (Exceptions and Exemptions to) | 93-12 |
| Lease Real Property to, Lease Personal Property to, Municipality | 93-27 |
| Leasing Authority, School District, Person (Defined) | 93-25 |
| Legal Lending Limits – Exemption for SBA Paycheck Protection Program Loans | 20-04 |
| Lending Limit, Basic | 01-02 01-03 01-04 01-05 |
| Lending Limit, Affiliate (80% owned), Exemption, collateral requirements | 93-31 |
| Lending Limit, Affiliate Transactions, affiliate (80% commonly owned), Low Quality Assets | 94-22 |
| Lending Limit, Certificates of Deposit | 02-01 |
| Lending Limit, Collateral, Deposit Account of Guarantor, Guarantee Form | 93-26 |
| Lending Limit, Collateral, Illinois Underground Storage Tank Fund | 08-01 |
| Lending Limit, Collateral, Warehouse Receipt (grain elevator) | 08-03 |
| Lending Limit, Customer Borrowing, Additional Separate Guarantee Limit | 85-05 |
| Lending Limit, Forms of the Guarantee, Guarantees of Payment, Guarantees of Collection | 93-13 |
| Lending Limit, Guarantee of Collection, Guarantee of Payment | 93-21 |
| Lending Limit, Guarantee of Loan by Corporation, Aggregation | 92-13 |
| Lending Limit, Letters of Credit, Affiliate Bank | 90-16 |
| Lending Limit, Push Down Accounting, Surplus | 93-02 |
| Lending Limit, Redemption of Delinquent Taxes | 91-34 |
| Lending Limit (Exception), Certificate of Deposit, Pledged Segregated Deposit Account | 91-11 |
| Lending Limit (Exemption), Loan, Fire Protection District, General Obligation | 91-31 |
| Lending Limit (Exceptions and Exemptions), Collateral, Medicaid Payment Rights | 91-20 |
| Lending Limit (Exceptions and Exemptions to), Lease Personal Property | 93-12 |
| Lending and Investment Limitations, Missouri Higher Education Loan Authority bonds | 08-02 |
| Letters of Credit, Affiliate Bank, Lending Limits | 90-16 |
| Letters of Credit, Drafts, Automatic Renewal | 90-12 |
| Letters of Credit, Federal Home Loan Bank, Pledge to Collateralize Deposits | 00-06 |
| Liability (Personal), Indemnification, Officers, Directors, Employees | 91-16 |
| Licensure under S.A.F.E. Act (Not), Register with NMLS | 11-01 |
| Licensure under S.A.F.E. Act (Not), Register with NMLS | Rescinded and |
| Life Insurance, Deferred Compensation Plan Funding | 90-13 |
| Life Insurance, Retired Director, Permitted Activity | 95-02 |
| Limitations, Service Charges, Simple Interest | 95-08 |
| Limitations and Standards, Investments, Non-rated Marketable Investment Securities | 94-24 |
| Limited Liability Company, Aggregation of Loans, Member Borrowings | 95-10 |
| Limited Liability Company, Minority Equity Investment, Permitted Investment | 96-06 |
| Limited Recourse, Limited Partnership, Aggregation, General Partner's Loans | 94-06 |
| Limited Partner (Loan to), Limited Partnership (Loan to), Aggregation | 90-08 |
| Limited Partner, Small Business Investment Corporation | 86-02 |
| Limited Partnership, Aggregation, General Partner's Loans, Limited Recourse | 94-06 |
| Limited Partnership, Community Development, Condominiums for Disabled and Low-Income | 89-16 |
| Limited Purpose Bank, Subsidiary, Credit Card Bank | 91-13 |
| Loan, Fire Protection District, General Obligation, Lending Limit (Exemption) | 91-31 |
| Loan Limit, Loan Participation, Repurchase | 95-06 |
| Loan Participation, Qualified Real Estate Loans, Appraisals | 94-18 |
| Loan Participation, Repurchase, Loan Limit | 95-06 |
| Loan Production Office, Approval (Not Required) | 91-21 |
| Loan Production Office, National Bank Establishing in Illinois | 88-07 Rescinded |
| Loan Production Office, Out-of-State Bank, Foreign Bank Representative Office Act | 91-17 |
| Loan workout, stock of borrower, State Bank, investment (not) | 97-02 |
| Loans, Collateral, Bank Holding Company Stock, Covered Transaction | 93-28 |
| Loans Secured by Mortgage on Real Estate, Interest Rate | 98-01 |
| Low Quality Assets, Affiliate Transactions, Affiliate (80% commonly owned), Lending Limit | 94-22 |
| Low Quality Assets (Past Due Accounts), Sale to Affiliate, Credit Card Receivables | 87-04 |
| Back to the Top M |
|
| Management and Controls, Energy Derivatives, Foreign Bank | 94-19 |
| Marketable Investment Securities, Community Development, Collateralized Mortgage Obligations | 91-05 |
| Marketable Investment Securities, Rating Requirements, General Obligations of Municipalities | 92-15 |
| Medicaid Payment Rights, Collateral, Lending Limit (Exceptions and Exemptions) | 91-20 |
| Member Borrowings, Limited Liability Company, Aggregation of Loans | 95-10 |
| Merchant "Bank", Corporate Name, Not Permitted, Bank, Banker, Banking | 90-06 |
| Merger, Notice, Shareholders' Meeting | 90-05 |
| Merger, Out-of-State Bank Holding Company, Change in Control | 93-08 |
| Messenger Service, Bank Customers | 85-01 |
| Messenger Service, by Bank Employee For Bank Customers, Not Permitted | 88-05 |
| Minority Equity Investment, Limited Liability Company, Permitted Investment | 96-06 |
| Mobile ATM | 90-21 |
| Mobile ATM's, Mobile branches | 93-32 |
| Mobile branches, Mobile ATM's | 93-32 |
| Municipal Leases | 99-01 |
| Municipalities in Bank's County, General Obligations, Investment Limits, Revenue Bonds, Obligations of State of Illinois (Secured by) | 93-19 |
| Municipality, Lease Real Property to, Lease Personal Property to | 93-27 |
| Mutual Fund, Certificates in, Permissible Investment, "Readily Marketable" Required | 90-04 |
| Mutual fund, Corporate fiduciary, Investment of trust assets, Fee for Services to Mutual Fund, Disclosures, Reasonable Fees | 94-09 |
| Mutual Fund, Corporate Fiduciary, Permitted Investment of Trust Assets, Fee to Corporate Fiduciary | 96-05 |
| Mutual Fund, Invested in Limited Partnerships, Not Permitted Investment | 88-03 |
| Mutual Fund, Investing Seed Money In | 99-02 |
| Back to the Top N |
|
| National Bank, Development Credit Corporation Investment, Branch (Not) | 91-32 |
| National Bank, Establishing Loan Production Office in Illinois | 88-07 |
| National Bank Outside of Illinois, Representative Office, Trust Services | 93-01 |
| National Bank, Unsecured Lines of Credit, Representative Office | 90-23 |
| National Wild Card Powers | 01-06 |
| Newspaper, Call Report, Publication, Community | 94-20 |
| Newspaper, Published Weekly, In Business at Least One Year, Published | 91-09 Rescinded |
| Night Depositories, Deposit Receptacles, Branches | 94-10 |
| Non-Bank Owned ATMs, Branding Agreements for State Chartered Banks | 10-03 |
| Non-Rated Bonds, Investment Limit, Public Agency | 93-22 |
| Non-rated Marketable Investment Securities, Investments, Limitations and Standards | 94-24 |
| Notice to Customers Not Required, Examination Report, Financial Record of Customer (Not), Subpoena of Examination Report | 92-07 |
| Notice, Shareholders' Meeting, Merger | 90-05 |
| Number of Directors | 90-15 |
| Number of Directors (Less Than Five), Directors, Outside Director Required | 91-30 |
| Back to the Top O |
|
| Obligations of State of Illinois (Secured by), General Obligations, Municipalities in Bank's County, Investment Limits, Revenue Bonds | 93-19 |
| Office in Illinois, Out of State Corporate Fiduciaries | 94-07 |
| Officers, Directors, Employees, Indemnification, Personal Liability | 91-16 |
| ORE, Transfer to Bank Holding Company, Divestiture | 91-27 |
| Other Real Estate Owned ("OREO") | 98-03 |
| Other real estate owned ("OREO"), Lease Not Disposition | 94-08 |
| Out-of-state Agent for State Bank, Branch (Not) | 93-04 |
| Out-of-state Bank or Affiliated Trust Company, Safekeeping, Pledged Securities | 89-04 |
| Out-of-state Bank, Loan Production Office, Foreign Bank Representative Office Act | 91-17 |
| Out-of-state Bank Holding Company, Change in Control, Merger | 93-08 |
| Out-of-state Bank Holding Company, De Novo Illinois Bank, Acquire Financial Institution in Default or in Danger of Default | 93-05 |
| Out-of-state Corporate Fiduciaries, Office in Illinois | 94-07 |
| Outside Director Required, Directors, Number of Directors (Less Than Five) | 91-30 |
| Oversight Procedures, Delegation, Discretionary Investment Authority | 92-18 |
| Back to the Top P |
|
| Participation | 98-05 |
| Pawnbroker, definition | 98-06 |
| Pawnbroker, limited courier services | 06-03 |
| Pawnbroker Regulation Act | 98-13 |
| Payments Equal Amounts, Installment Loans, Variable Interest Rate | 94-05 |
| Permissible Activity, Exchange Property Obtained in Satisfaction of Debt | 10-02 |
| Permissible Investment, Equity-linked CDs | 02-01 |
| Permissible Investment, Federal National Mortgage Association | 87-02 |
| Permissible Investment, Mutual Fund, Certificates in, Readily Marketable | 90-04 |
| Permissible Investment, Student Loan Marketing Association | 87-02 |
| Permissible Investment, Vacation Home, Employee Benefit Trust | 94-23 |
| Permissible Investment of Trust Assets, Equity-linked CDs | 02-01 |
| Permissible Investment of Ward's Assets, Equity-linked CDs, (Not) | 02-01 |
| Permitted Activity, Insurance Business (not), trust company, title insurance agent | 97-03 |
| Permitted Activity , Life Insurance, Retired Director | 95-02 |
| Permitted Investment, EFT (Electronic Funds Transfer) Network | 92-16 |
| Permitted Investment, Federal Agricultural Mortgage Corporation ("Farmer Mac") | 88-06 |
| Permitted Investment, Federal Home Loan Mortgage Corporation Stock, Student Loan Marketing Corporation Stock | 92-05 |
| Permitted Investment, Insurance Contracts, (Not) | 90-19 |
| Permitted Investment, Minority Equity Investment, Limited Liability Company | 96-06 |
| Permitted Investment, Mutual Fund, Invested in Limited Partnerships, Not | 88-03 |
| Permitted Investment, Stock Dividend, Small Business Investment Company | 93-30 |
| Permitted Investment, Stock in Federal Home Loan Bank (90-10 rescinded and superceded by 2002-07) | 90-10 (90-10 Rescinded) 02-07 |
| Permitted Investment of Trust Assets, Corporate Fiduciary, Mutual Fund, Fee to Corporate Fiduciary | 96-05 |
| Permitted Investment, Universal Life Insurance Policy, (Not) | 91-08 |
| Person (Defined), School District, Leasing Authority | 93-25 |
| Personal Computer, Home Banking Service, Branch | 90-03 |
| Place of business in Illinois, Representative Office, Indiana Trust Company | 94-16 |
| Pledge Assets to Secure Deposits, Policemen and Firemen's Pension Funds, Public Funds | 80-01 |
| Pledge Assets, Secure Deposits of Public Funds | 91-01 |
| Pledge to Collateralize Deposit, Public Funds | 89-04 |
| Pledged Assets, Type Pledged, Public Funds | 91-06 |
| Pledged Securities, Safekeeping, Out-of-state Bank or Affiliated Trust Company | 89-04 |
| Pledged Segregated Deposit Account, Certificate of Deposit, Lending Limit Exception | 91-11 |
| Pledging Assets to Secure Private Deposits | 98-12 |
| Policemen and Firemen's Pension Funds, Public Funds, Pledge Assets to Secure Deposits | 80-01 |
| Power of Attorney, Trust Department | 91-35 |
| Powers, Foreign Banking Office Act, Derivatives Trade or Holding, Commissioner Approval | 95-15 |
| Prepayment penalties, incentives to not prepay | 97-04 |
| Privacy of Customer Financial Information | 01-01 |
| Privacy of Customer Financial Information | 04-02 |
| Property Obtained in Collection of a Debt, Foreign Bank, Subsidiary | 91-22 |
| Proprietary Advertising, ATM | 94-02 |
| Proxies, Solicitation of Revocable Written Proxies, Change of Control (Not) | 92-06 |
| Public Funds, Collateralize Deposits, Grantees of Public Agencies | 91-04 |
| Public Funds, Pledge to Collateralize Deposit | 89-04 |
| Public Funds, Pledged Assets, Type Pledged | 91-06 |
| Public Funds, Policemen and Firemen's Pension Funds, Pledge Assets to Secure Deposits | 80-01 |
| Public Agencies' Grantees, Collateralize Deposits, Public Funds | 91-04 |
| Public Agency, Investment Limit, Non-Rated Bonds | 93-22 |
| Publication, Call Report, Newspaper, Community | 94-20 |
| Published, Newspaper, Published Weekly, In Business at Least One Year | 91-09 |
| Purchase by Bank of Securities as Agent for its Customers | 89-05 |
| Purchase, Employee Residence, Transferred Employee | 95-01 |
| Push Down Accounting, Surplus, Lending Limit | 93-02 |
| Push Down Accounting | 93-16 |
| Back to the Top Q |
|
| Qualified Real Estate Loan, Appraisals, Technical Deficiency | 91-10 |
| Qualified Real Estate Loan, Appraiser Qualifications | 02-04 |
| Qualified Real Estate Loans, Bank Officer, Appraiser (Independent) | 93-14 |
| Qualified Real Estate Loans, Loan Participation, Appraisals | 94-18 |
| Back to the Top R |
|
| Rate (agreed), Interest Rate, State Bank, Contract | 94-21 |
| Rating Requirements, Marketable Investment Securities, General Obligations of Municipalities | 92-15 |
| Readily Marketable, Mutual Fund, Certificates in, Permissible Investment, | 90-04 |
| Real Estate, Bank, Employee Parking Lot | 93-09 |
| Real Estate Brokerage | 97-06 |
| Real Estate Development Activities | 98-10 |
| Real Estate, Disposal of by State Banks | 00-05 |
| Real Estate Tax Sale Certificates | 98-15 |
| Real Property Leasing | 00-03 |
| Reasonable Fees, Corporate fiduciary, Investment of trust assets, Mutual fund, Fee for Services to Mutual Fund, Disclosure | 94-09 |
| Redemption of Delinquent Taxes, Lending Limit | 91-34 |
| Remote Access for Pawn Loan Renewal | 16-02 |
| Remote Deposit Capture Terminals | 06-02 |
| Renewal (Automatic), Letters of Credit, Draft | 90-12 |
| Representative Office, Indiana Trust Company, Place of business in Illinois | 94-16 |
| Representative Office, National Bank Outside of Illinois, Trust Services | 93-01 |
| Representative Office, National Bank, Unsecured Lines of Credit | 90-23 |
| Repurchase, Loan Participation, Loan Limit | 95-06 |
| Retired Director, Life Insurance, Permitted Activity | 95-02 |
| Revenue Bonds, Investment Limits, General Obligations, Municipalities in Bank's County, Obligations of State of Illinois (Secured by) | 93-19 |
| Reverse Repurchase Agreement | 89-12 |
| Revolving Credit Plan, Home Equity Line of Credit, Financial Services Development Act, Early Cancellation Fee, | 96-01 |
| Risk Participations--Other Branches, Foreign Bank, Guarantee of Loan (not) | 95-07 |
| Riverboat, ATM (Mobile) | 92-01 |
| Rule of 78's, Consumer Installment Loan Act, Disclosure. | 92-14 |
| Back to the Top S |
|
| Safekeeping, Out-of-state Bank or Affiliated Trust Company, Pledged Securities | 89-04 |
| Sale to Affiliate, Credit Card Receivables, Low Quality Assets (Past Due Accounts) | 87-04 |
| Savings and Loan Association, Savings Bank, Affiliate Facility | 93-15 |
| Savings Bank, Savings and Loan Association, Affiliate Facility | 93-15 |
| School District, Person (Defined), Leasing Authority | 93-25 |
| Second Mortgage, Purchase, Foreclosure Sale (Not Before) | 90-20 |
| Securities Brokerage Services, Super Wild Card Powers | 00-02 |
| Securities in Fiduciary Accounts Act, Deposit with Broker, Certificate of Authority (broker) | 95-09 |
| Securities Lending Permitted, Corporate Fiduciary | 92-12 |
| Securities, Purchase as Agent for Customer, General Banking Business | 89-05 |
| Senior Citizen Banking Facility, Branch (Not) | 92-03 |
| Senior Citizen Banking Facility, Deposit Guaranty Bonds (deposits in excess FDIC Insurance) | 94-04 |
| Service Charges, Limitations, Simple Interest | 95-08 |
| Services, tax preparation by Banks | 97-01 |
| Shareholder List, Access | 91-03 |
| Shareholders' Meeting, Merger, Notice | 90-05 |
| Shareholder's Vote, Directors, Number of | 90-09 |
| Shareholder's Vote, Number of Directors | 90-09 |
| Simple, Interest, Service Charges, Limitations | 95-08 |
| Small Business Investment Company, remitted investment, Stock Dividend | 93-30 |
| Small Business Investment Corporation, Limited Partner | 86-02 |
| Solicitation of Revocable Written Proxies, Proxies, Change of Control (Not) | 92-06 |
| State Bank, Community Development, Internet Service Provider | 96-04 |
| State Bank, Interest Rate, Contract, Rate (agreed) | 94-21 |
| State Bank, stock of borrower, loan workout, investment (not) | 97-02 |
| Stock Dividend, Permitted investment, Small Business Investment Company | 93-30 |
| Stock in Federal Home Loan Bank, Permitted Investment (90-10 rescinded and superceded by 2002-07) | 90-10 (90-10 Rescinded) 02-07 |
| Stock Ownership, Incorporators, Bank Holding Company Stock | 95-14 |
| Student Loan Marketing Association, Permissible Investment | 87-02 |
| Student Loan Marketing Corporation Stock, Permitted Investment, Federal Home Loan Mortgage Corporation Stock | 92-05 |
| Subpoena of Examination Report, Examination Report, Financial Record of Customer (Not), Notice to Customers Not Required | 92-07 |
| Subpoena, Examination Report, Production by Bank Prohibited | 89-08 |
| Subpoena (Notice of), Disclosure Prohibited by Federal Law, Customer Financial Records | 93-03 |
| Subsidiary Notice, Assets Acquired in Foreclosure, Waive 60-Day | 90-22 |
| Subsidiary, Limited Purpose Bank, Credit Card Bank | 91-13 |
| Subsidiary, Property Obtained in Collection of a Debt, Foreign Bank | 91-22 |
| Surplus, Push Down Accounting, Lending Limit | 93-02 |
| Back to the Top T |
|
| Tax and Accounting Services by Banks | 99-03 |
| Tax Increment Financing Bonds, General Obligations (Not), Investment Limits | 93-11 |
| Tax preparation services by Banks | 97-01 |
| Tax Sale Certificates | |
| Tax Sale Certificates, Not Permissible Investment | 86-01 |
| Temporary Residence for Bank Personnel, Incidental Power | 91-33 |
| Title Insurance | 98-09 |
| Title Insurance Agent, permitted activity, insurance business (not), trust company | 97-03 |
| Transfer to Bank Holding Company, ORE, Divestiture | 91-27 |
| Transferred Employee, Employee Residence, Purchase | 95-01 |
| Travel Agencies/Sale of Common Carrier Tickets, Super Wild Card Powers | 00-02 |
| Trust Business | 99-04 |
| Trust Company Certificate of Authority (Date of), Bank Charter (Date of), Conversion | 91-26 |
| Trust Company, Farm Real Estate Brokerage, Agency | 95-11 |
| Trust Company, Title Insurance Agent, permitted activity, insurance business (not) | 97-03 |
| Trust Department, Power of Attorney | 91-35 |
| Trust Preferred Securities | 02-06 |
| Trust Services, National Bank Outside of Illinois, Representative Office | 93-01 |
| Back to the Top U |
|
| Unemployment, Credit Insurance | 93-24 |
| Unemployment Tax Records, Visitation (exclusive), Employment Security (Illinois Department of) | 95-03 |
| Universal Life Insurance Policy, Permitted Investment (Not) | 91-08 |
| Universities, temporary banking locations soliciting student accounts | 97-05 |
| Back to the Top V |
|
| Vacation Home, Permissible Investment, Employee Benefit Trust | 94-23 |
| Variable Interest Rate, Payments Equal Amounts, Installment Loans | 94-05 |
| Visitation (exclusive), Employment Security (Illinois Department of), Unemployment Tax Records | 95-03 |
| Voting Trust, Bank Holding Company | 89-01 |
| Back to the Top W |
|
| Waive 60-Day Notice, Subsidiary Notice, Assets Acquired in Foreclosure | 90-22 |