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Victor Wells Appointed Owen county state bank mortgage rates Deputy Commissioner for Mortgage Lending

DBO has announced the promotion of Victor Wells to Deputy Commissioner for Mortgage Lending. He will assume the post effective Nov. 1.

Victor joined the DBO in 2006, in the Broker-Dealer and Investment Advisers (BDIA) unit. He started at the BDIA’s complaint desk, and rose to the rank of supervisor and manager after being on the job for 18 months.

After graduating from high school in Chicago, IL, Victor enlisted in the U.S. Air Force at the age of 17. He served six years and received an honorable discharge before settling in California to pursue his higher education degree.

Victor has two bachelor’s degrees: one from Cal State San Bernardino in Accounting (June 1992), and a second in Computer Information Technology (October 2001). After college, Victor worked as an auditor, examiner and staff accountant in the public and private sectors before joining DBO.

Commissioner Asks Banks, Credit Unions to Lead Wildfire Recovery Efforts

The Commissioner on Sept. 17 called on state-chartered banks and credit unions to be leaders in efforts to help communities recover in four fire-damaged counties.

The Commissioner urged banks and credit unions in Amador, Calaveras, Lake and Napa counties to grant appropriate latitude on loan payments to existing customers affected by the Valley and Butte fires. She also urged the financial institutions to ensure customers have ready access to their funds, and to expedite the extension of new credit to help residents and businesses finance cleanup or rebuilding. Finally, the Commissioner asked banks and credit unions to support fundraising efforts to help affected communities recover. Commissioner Owen issued the following statement:

“Our banks and credit unions are more than financial institutions. They’re citizens of the communities in which they do business. I know they will come through, do their part, and more.”

The DBO continues to monitor and coordinate with banks, credit unions and other licensees on any necessity to close branches in the four counties. The Commissioner on Sept. 16 approved two bank branch closures in Middletown. The two branches re-opened on Sept. 21. A total of 94 bank and credit union branches are located in the four counties.

‘Know Before You Owe’ TRID Mortgage Disclosure Rules

New federally-mandated disclosure rules from the U.S. Consumer Financial Protection Bureau (CFPB) governing mortgage loan estimates and closing costs took effect Oct. 3. The new rule consolidates four disclosures required by the federal Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA) into two forms: a Loan Estimate that must be delivered or placed in the mail no owen county state bank mortgage rates than the third business day after receiving a consumer’s loan application; and a Closing Disclosure that must be provided to the consumer at least three business days prior to the loan closing date.

Also known as “Know Before You Owe,” the new TRID disclosure forms must be provided by all lenders or brokers who receive a mortgage loan application from a consumer on or after Oct 3. The DBO will be examining licensees for compliance with the new rule after that date.

In an Oct. 1 letter, the State Liaison Committee of the Federal Financial Institutions Examination Council (FFIEC) replied to an inquiry from the American Bankers Association and 17 additional trade associations regarding regulatory compliance with the new rules. This and a similar letter from the FDIC, outline the basics of initial regulatory examinations for compliance with the rule, and reassure the industry that good faith efforts to comply will be taken into consideration.

In addition to the new forms, TRID contains additional new regulatory requirements. For more information on the new forms and additional regulatory requirements, review the TILA-RESPA Integrated Disclosure rule implementation guidance posted on the CFPB website.

DBO has established a TRID information page at our website. The Loan Estimate form is available on DBO’s website in English, Spanish, Chinese, Korean, Tagalog and Vietnamese.

Federal Reserve and CSBS Release 2015 Community Banking Report

The Federal Reserve System and the Conference of State Bank Supervisors (CSBS) on Oct. 1 released Community Banking in the 21st Century: Opportunities, Challenges and Perspectives, a report that details conditions facing today’s community bankers.

The report was produced and released in conjunction with the third annual Community Banking in the 21st Century research and policy conference, hosted by the Fed and CSBS at the Federal Reserve Bank of St. Louis on Sept. 30-Oct.1.

The report contains the results of the 2015 National Survey of Community Banks, distributed by state bank commissioners in 39 states. The survey provides a comprehensive view of what bankers are thinking about key issues facing their industry and how they are responding to changes in their markets. It covers issues such as the regulations most impacting community banks, the narrowing of mortgage lending product offerings, and the evolving mix of other products and services.

The second part of the report is a summary, in narrative form, of town hall meetings and associated roundtable discussions among regulators and bankers across the country. State regulators from 27 states conducted town hall meetings with their community bankers, asking questions about local economic conditions, borrower attitudes, unmet financial services needs in the state, current regulatory challenges and more.

The report can be found on the owen county state bank mortgage rates banking research conference website at www.communitybanking.org.

This is the third year the report has been published and the second year it has featured the survey.

Local Agency Security Assessment

Pursuant to Government Code section 53667, the Commissioner annually assesses all depository institutions in California in which the local agency securities are deposited. The assessments fund the DBO’s administration of the laws relating to chase credit card aarp visa agency securities. Invoices were mailed to depository institutions on Sept. 30.

The base rate for the assessment was set at 0.0021% of average local agency deposits for fiscal year 2014-15.

Depository institutions must pay their assessment no later than Oct. 20. Questions regarding the assessment should be directed to Patrick Carroll at 415-263-8559 or [email protected]

Office of Credit Unions – Changes in the Licensee Point of Contact

Lana Tom, the Assistant Deputy Commissioner (Portfolio Manager) for the Office of Credit Unions, is retiring from State service. Lana stepped down from her role as the San Francisco based Portfolio Manager on Aug. 31. Upon her formal retirement date, Lana will have provided 37 years of distinguished service to the people of California.

Sean Sisser, the Assistant Deputy Commissioner (Examination Manager) based in San Francisco, was temporarily overseeing the Portfolio Manager responsibilities beginning September 1, 2015. Sean has accepted an offer to permanently fill the Portfolio Manager vacancy created by Lana retirement on a permanent basis. Sean has more than 32 years of service with the State, with much how to load cash to my cash app card that time spent in credit union examination. Sean has been the Examination Manager in San Francisco since 2002 and has a strong knowledge of the institutions, management teams and boards of directors of the San Francisco-based credit unions he will be supervising.

Sean’s transfer to the permanent San Francisco-based Portfolio Manager role was effective Oct. 1. All inquiries from San Francisco-based credit union licensees should now be directed to Sean. The Directory of State Chartered Credit Unions on the DBO website has been updated to reflect the changes in contact information.

October is National Cyber Security Awareness Month

Everyone must do their part to make sure our online lives are kept safe and secure. Toward that end, October has been declared National Cyber Security Awareness Month (NCSAM).

NCSAM was created 15 years ago as a collaborative effort between government and industry to ensure every American has the resources to stay cyber-secure. Since its inception under leadership from the U.S. Department of Homeland Security and the National Cyber Security Alliance, NCSAM has grown rapidly, reaching consumers, small and medium-sized businesses, corporations, educational institutions and young people across the nation.

Listed below are some of the resources your institution may use to engage.

More promotional materials are available for download on the NCSAM website at www.staysafeonline.org.

Californians Continue Meeting Water Conservation Mandate

California urban water users in August reduced their water use by nearly 27 percent compared to the same month in 2013, exceeding the Governor’s 25 percent conservation mandate for the third straight month.

While August’s conservation was good, it was down from July’s record savings performance of 31.4 percent. As California enters the cool fall months, when water use traditionally drops, overall savings will likely drop.

Cumulative savings for the summer, despite hot and dry conditions, put the state half-way to meeting its goal of 1.2 million acre-feet of water saved by February 2016. State Water Resources Control Board officials stressed it will take persistence on the part of urban water users, now and into winter, to meet the goal.

For more information, go to www.ca.gov/drought/.

Commercial Bank Activity

New Bank

PV Acquisition Bank
255 East River Park Circle, Fresno, Fresno County
Correspondent: David L. Horstmann
Heartland Financial USA, Inc.
P.O. Box 778, Dubuque, IA 52004
Approved: 9/7/15
(In connection with the acquisition bmo harris online banking mobile Premier Valley Bank, Fresno by Heartland Financial USA, Inc., Dubuque, Iowa)

Merger

America California Bank, San Francisco, merged with and into First National Bank of Northern California, South San Francisco
Effected: 9/4/15

Bank of Santa Barbara, The, Santa Barbara, to merge with and into American Riviera Bank, Santa Barbara
Filed: 8/31/15

Premier Valley Bank, Fresno, to merge with and into PV Acquisition Bank, with change of name to Premier Estimate total mortgage payment Bank
Approved: 9/7/15
(In connection with the acquisition of Premier Valley Bank, Fresno by Heartland Financial USA, Inc., Dubuque, Iowa)

Sutter Community Bank, Yuba City, to merge with and into Suncrest Bank, Visalia
Filed: 9/18/15

Purchase of Partial Business Unit

Americas United Bank, Glendale, to acquire the Santa Fe Springs and Commerce branches of Banc of California, National Association, Irvine
Approved: 9/8/15
Effected: 9/25/15

Bank of Stockton, Stockton, to acquire the Brentwood and Napa branches of First Bank, Creve Coeur, Missouri
Effected: 9/25/15

Bank of Stockton, Stockton, to acquire the Fairfield branch of First Bank, Creve Coeur, Missouri
Effected: 9/25/15

Acquisition of Control

Heartland Financial USA, Inc. to acquire control of PV Acquisition Bank (Proposed)
Approved: 9/8/15
(In connection with the acquisition of Premier Valley Bank, Fresno by Heartland Financial USA, Inc., Dubuque, Iowa)

Pacific Commerce Bancorp to acquire control of Pacific Commerce Bank
Filed: 8/24/15

Private Bancorp of America, Inc., to acquire control of San Diego Private Bank
Filed: 8/28/15

Sang Young Lee, Chun Young Lee and Lee’s Gold and Diamond Import, Inc., to acquire control of Pacific City Bank
Filed: 9/17/15

Credit Union Activity

Merger

ILWU-FSC Federal Credit Union, Oakland, to merge with and into ILWU Credit Union, Wilmington
Filed: 9/1/15

S.T.A.R. Community Credit Union, Chico, to merge with and into Members 1st Credit Union, Redding
Filed: 8/10/15

Premium Finance Company Activity

New Premium Finance Company

ETI of California
660 Newport Center Drive, Newport Beach, Orange County
Filed: 8/28/15

Heritage Premium Finance Company
660 Newport Center Drive, Newport Beach, Orange County
Filed: 8/26/15
Approved: 9/16/15

Western Finance Company
660 Newport Center Drive, Newport Beach, Orange County
Filed: 8/28/15

Voluntary Surrender of License

AFCO Premium Acceptance, Inc.
Effected: 7/14/15

Foreign (Other Nation) Bank Activity

New Office

Mizuho Bank, Ltd.
201 Mission Street, City and County of San Francisco (Representative Office) (temporary location)
Opened: 9/1/15

Société Générale

• 18101 Von Karman Avenue, Irvine, Orange County (Representative Office)
• 233 Wilshire Boulevard, Santa Monica, Los Angeles County (Representative Office)

Approved: 9/7/15
Opened: 9/14/15

Discontinuance of Office

Cathay United Bank, Ltd.
707 Wilshire Boulevard, Los Angeles, Los Angeles County
Effected: 9/15/15

KASIKORNBANK PCL
601 South Figueroa Street, Los Angeles, Los Angeles County (Nondepositary Agency)
(in connection with the transformation of the Nondepositary Agency to a Representative Office)
Filed: 9/25/15

Money Transmitter Activity

New Transmitter

Circle Payments, LLC
Filed: 9/22/15

Change of Name

ITC Financial Licenses, Inc., to change its name to InComm Financial Services, Inc.
Effected: 9/30/15

Voluntary Surrender of License

Tempo Financial U.S. Corporation
Effected: 9/29/15

JAN LYNN OWEN
Commissioner of Business Oversight

The October 2015 Monthly Bulletin covers the month ended September 30, 2015. It is issued pursuant to Financial Code section 376.

The Monthly Bulletin is available without charge via e-mail. To subscribe, go to: https://dfpi.ca.gov/Resources/subscription.asp

Brooks, 39, of Milwaukee, had left the site of the domestic disturbance before officers arrived, and was not being chased by police td bank small loan the time of the crash, according to the chief, who gave no further details on the dispute.

Police said they were drawing up five charges of intentional homicide against Brooks.

He has been charged with crimes 16 times since 1999 and had two outstanding cases against him at the time of the parade disaster — including one in which he was accused of deliberately running down a woman with his vehicle.

On Sunday, a joyous scene of marching bands and children dancing in Santa hats and waving pompoms gave way in an instant to screams and the sight of crumpled bodies as the SUV sped through barricades and struck dancers, musicians and others in the community of 72,000.

The dead were identified as four women ages 52 to 79 and an 81-year-old man. Members of a Dancing Grannies club were among those killed, as was a bank employee.

Mayor Shawn Reilly described the parade as a “Norman Rockwell-type" event that “became a nightmare.”

“It looked like dummies being thrown in the air,” said Nicole Schneiter, who was there with her children and grandchildren. “It took a second to register, like, ‘Is that what we really just saw?’ And then you looked in the road and there were just people laying in the road.”

At least nine patients, most of them children, were listed in critical condition at two hospitals, and seven others were reported in serious condition.

Hundreds gathered at a downtown park Monday night for a candlelight vigil to honor those lost and hurt. Volunteers handed out sandwiches, hot chocolate and candles at the vigil, which was attended by interfaith leaders and elected officials.

“We are parents. We are neighbors. We are hurting. We are angry. We are sad. We are confused. We are thankful. We are all in this together. We are Waukesha Strong,” said a tearful Amanda Medina Roddy with the Waukesha school district.

The chief said that while police were not pursuing Brooks before he entered the parade route, an officer did fire a shot to try to stop him but ceased shooting because of the danger to others. Brooks was not injured.

Brooks has two open criminal cases in Milwaukee County. In one case, filed Nov. 5, he is charged with resisting or obstructing an officer, reckless endangering, disorderly conduct, bail jumping and battery. Records show his $1,000 cash bond was posted on Friday.

In that case, a woman told police that Brooks deliberately ran her over with his vehicle in a gas station parking lot after a fight. She was hospitalized for her injuries.

In the other case, filed in July 2020, Brooks is charged with reckless endangering and illegal possession of a firearm.

His attorney in those cases, Joseph Domask, said he was not representing him in the parade crash.

The Milwaukee County District Attorney’s Office said prosecutors' $1,000 bail recommendation for Brooks was “inappropriately low,” given the charges. The DA's office said it is investigating the matter.

Republican Rebecca Kleefisch, a former Wisconsin lieutenant governor who is running for governor in 2022, called the killings “yet another avoidable tragedy that occurred because a violent career criminal was allowed to walk free and terrorize our community.”

Brooks is an aspiring rapper. On a YouTube page, a video that has since been removed showed him rapping in front of a red Ford SUV resembling the one at the parade. The rapper owen county state bank mortgage rates the name MathBoi Fly on his Twitter and other social media accounts.

The horror of the crash was recorded by the city’s livestream and onlookers' cellphones. One video shows the moment the SUV broke through the barricades and includes the apparent sound of gunfire.

“It was like a war scene walking through there” afterward, said Ken Walter, who had been riding in the parade in a hot air balloon basket towed on a trailer along with his wife and youngest son. “There were these piles of blankets with cops standing over them that you just knew were bodies.”

Walter said he saw a red SUV careen into view and watched it hit a member of his real estate-agency parade contingent, then barrel straight into members of the Waukesha South High School marching band.

The SUV continued down the parade route. Behind it, people were screaming, running, searching for family and friends and unsure whether they were owen county state bank mortgage rates in danger, he recalled.

Schneiter said that after sheltering in a store, she emerged to see bodies in the street, along with strollers, chairs, candy and shoes.

Police identified those killed as Virginia Sorenson, 79; LeAnna Owen, 71; Tamara Durand, 52; Jane Kulich, 52; and Wilhelm Hospel, 81.

The Milwaukee Dancing Grannies posted on its Facebook page that its members were “doing what they loved, performing in front of crowds in a parade, putting smiles on faces of all ages, filling them with joy and happiness.”

Eighteen children ages 3 to 16 were brought to Children’s Wisconsin Hospital, including three sets of siblings, said Dr. Amy Drendel, medical director of the owen county state bank mortgage rates department.

They suffered injuries ranging from scrapes on their faces to broken bones and serious head injuries, she said. Six were listed in critical condition.

The Waukesha school district canceled classes Monday and Tuesday and said extra counselors would be on hand for students and staff. The parade’s lineup included cheer, dance and band entries associated with district schools.

The parade, held each year on the Sunday before Thanksgiving, is sponsored by the Chamber of Commerce. This year’s parade was the 59th one.

Waukesha is about 55 miles (90 kilometers) from Kenosha, where Kyle Rittenhouse was acquitted Friday of all charges in the shooting deaths of two men and the wounding of a third during unrest there in home savings and loan kenton ohio story has been corrected to show that online court records indicate a Darrell Brooks What is a trust company. faces charges in another case that include second-degree recklessly endangering safety and that bail in a previous case was $1,000, not $500.

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Bauer reported from Madison, Wis., and Balsamo reported from Washington. Associated Press writers Doug Glass in Minneapolis, Kathleen Foody in Chicago, Tammy Webber in Fenton, Michigan, Bernard Condon in New York and Michael Biesecker in Washington contributed.

Atkinsonville

The service sector accounts for 79% of all jobs generated in Atkinsonville. Of this percentage, 20% are direct jobs, the rest are indirect jobs.

Coal City

Coal City city has 8 tourist attractions and its citizens recommend that tourists who come to the city or its surroundings, visit these tourist spots.

Carp

Is a people of USA. His flag collects all path has travel to this time. Its area is about 90 km. 32% of tourists said that it is a charming city.

Arney

Has a large amount of services that make this population is totally habitable. At about 1km exists a large mall with all kinds of integrated services.

Alaska

It is one of the most important cities of the country. Alaska is within 92% of relevant cities in USA. Has 2 churches of the romanesque period.

Beamer

Communications within Beamer are not very good but is not the main problem. According to statistics the problem of greatest concern to 87% of the population is health.

Marion Mills

Have many neighbors. In Marion Mills, 89% are women and the unemployment rate is around 10% of the population.

The minutes covered a meeting in which the Fed voted to take the first step to roll back the massive support it has provided to an economy pushed into a recession last year after widespread lockdowns to contain the COVID virus.

At the November meeting, the Fed approved reductions in the amount of Treasury bonds and mortgage backed securities it had been purchasing to put downward pressure on long-term interest rates.

The committee approved reducing by $15 billion in November and another $15 billion cut in December in the $120 billion in monthly bond purchases it had been making. The expectation was that these reductions would continue until the bond purchase program was phased out in the middle of next year.

Inflation in recent months has been hitting levels not seen in decades. Fed Chairman Jerome Powell and other Fed officials have argued that the prices pressures were likely to be transitory and fade away once problems such as supply chain bottlenecks are resolved.

But the Fed minutes showed a growing concern that the unwanted price pressures could last for a longer time and the Fed should be prepared to move to reduce bond purchases more quickly or even start raising the Fed's benchmark interest rate sooner to make sure inflation did not get out of hand.

“Various participants noted that the committee should be prepared to adjust the pace of asset purchases and raise the target range for the federal funds rate sooner than participants currently anticipated if inflation continued to run higher than levels consistent with the committee's objectives,” the minutes said.

Kathy Bostjancic, chief U.S. financial economist at Oxford Economics, said she still believes the Fed will not rush into hiking rates. She bases that view on her forecast that inflation will moderate significantly by mid-2022 and the Fed's maximum employment goal will not be reached until the end of next year.

But she said that given the sizable inflation gains reported for October and increased inflation worries by some Fed members, she expects the central owen county state bank mortgage rates will accelerate the bond reductions. Under that scenario, the reductions would be completed by the end of April rather than June, with the first rate hikes coming in September rather owen county state bank mortgage rates her earlier forecast for rate hikes starting in December of next year.

She said it was significant that the minutes noted that “price increases had become more widespread” with the increases being driven by higher energy costs, faster wage gains and increases in residential rents.

The Fed’s policy rate was cut to a record low of 0% to 0.25% in the spring of 2020 as the Fed focused its efforts on keeping the COVID recession from spiraling into a deeper downturn.

Since the Fed's November meeting, a few Fed officials have publicly expressed an openness to accelerating the pace of winding down the monthly bond purchases.

Fed Vice Chairman Richard Clarida said last week that he would be looking closely at incoming economic data before the Fed's next meeting on Dec. 14-15 to determine whether it would be appropriate to increase the pace of the reductions in bond how to embed a pdf in an email https://www.michigansthumb.com/news/article/Fed-officials-express-resolve-to-address-16649733.php

Bank jobs in Owen County, IN