Agencies
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Interpretive Letters by Subject
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[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| Affiliates (Not Disclose to), Customer Financial Records | 93-10 Rescinded |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| ATM, Mobile | 90-21 Rescinded |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| Automatic Teller Machine, Branch (Not) | 91-19 Rescinded |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 customer disclosures | 24-01 |
| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| Waive 60-Day Notice, Subsidiary Notice, Assets Acquired in Foreclosure | 90-22 |