text:
These announcements give prompt notice of amendments and proposed amendments to Federal Reserve regulations and policies, summarize them, and provide links to full information.
|September 29, 2014
Liquidity Coverage Ratio
A new interagency final rule, published today in the Federal Register, requires large and internationally active banking organizations to hold assets easily and quickly convertible into enough cash to cover their projected net cash outflows during a 30-day stress period. Covered U.S. banking organizations must fully comply with the rule by January 1, 2017.
|Bank Supervision
|September 26, 2014
Risk-based Capital
A new interagency final rule, published today in the Federal Register, changes the supplementary leverage ratio in a way that should better capture a banking organization's on- and off-balance-sheet exposures. "Advanced approaches" banking organizations must disclose their supplemental leverage ratios beginning January 1, 2015 and comply with the rule's minimum supplementary leverage ratio requirement beginning January 1, 2018.
|Bank Supervision
|September 24, 2014
Margin Requirements
A proposed interagency rule, published today in the Federal Register, would establish margin requirements for swap dealers, major swap participants, security-based swap dealers, and major security-based swap participants. The deadline for public comment is November 24, 2014.
|Bank Supervision
|September 22, 2014
Regulations M and Z
New amendments to official interpretations and commentary, published today in the Federal Register, increase the exemption thresholds in Regulations M and Z for exempt consumer credit and lease transactions. Effective January 1, 2015, the regulations apply to consumer credit transactions and consumer leases of up to $54,600. The adjustments reflect the annual percentage increase in the consumer price index.
|September 10, 2014
Community Reinvestment Act
Proposed new and revised interagency guidance, published today in the Federal Register, would clarify and supplement answers to questions about, among other things, retail banking services, innovation and responsiveness, and community development. The deadline for public comment is November 10, 2014.
|August 22, 2014
Regulation AA
The Federal Reserve Board has proposed the repeal of Regulation AA, the rules addressing unfair or deceptive acts or practices. Regulation AA is based on the Federal Trade Commission Act, and the Dodd-Frank Act repealed that part of the FTC Act. The Board and other federal financial agencies have also published guidance explaining the federal supervisory and enforcement authority over unfair or deceptive acts or practices that persists despite the repeal. The deadline for public comment is in 60 days.
|July 16, 2014
Risk-based Capital
A new final rule clarifies the types of guarantees eligible for treatment as regulatory capital under the advanced-approaches risk-based capital rule. The new rule takes effect October 1, 2014.
|Bank Supervision
|July 1, 2014
New final guidance, published today, encourages financial institutions to communicate with HELOC borrowers about end-of-draw periods and provides broad principles for managing related risk.
|July 1, 2014
Regulations Y and YY
A new proposal, published today in the Federal Register, would modify the timing and scope of the rules governing capital plans and stress tests. The deadline for public comment is August 11, 2014.
|Bank Supervision
|June 19, 2014
Tax Allocation
New final guidance, published today in the Federal Register, instructs financial institutions to review and clarify their tax allocation agreements in order to minimize disputes between holding companies and their depository institutions over ownership of tax refunds.
|Bank Supervision
|June 4, 2014
Regulatory Review
The federal banking agencies are reviewing their regulations to identify ones that are outdated, unnecessary, or unduly burdensome. This first round of review focuses on Applications and Reporting, Powers and Activities, and International Operations. Three more rounds of review will take place over the next two years. The deadline for public comment on this round is September 2, 2014.
|Bank Supervision
|May 29, 2014
Truth in Savings
Effective 30 days from today, the Board of Governors is repealing its Regulation DD. The Consumer Financial Protection Bureau, which now has rulemaking authority for the Truth in Savings Act, has published its own interim final version of Regulation DD.
|May 29, 2014
Effective 30 days from today, the Board of Governors is repealing its Regulation P. The Consumer Financial Protection Bureau, which now has rulemaking authority for the privacy-related provisions in the Gramm-Leach-Bliley Act, has published its own interim final version of Regulation P.
|May 29, 2014
Identity Theft
An amendment to Regulation V, effective 30 days from today, clarifies that the regulation's provisions requiring identity theft prevention programs apply only to creditors that regularly extend credit or obtain consumer reports in the ordinary course of their business.
|May 15, 2014
Concentration Limits
A new proposed rule, published today in the Federal Register, would prohibit a financial company from combining with another company if the ratio of the resulting company's liabilities exceeds 10 percent of the aggregate consolidated liabilities of all financial companies. The proposal generally defines "liabilities" as the difference between a firm's risk-weighted assets, as adjusted to reflect exposures deducted from regulatory capital, and its total regulatory capital. Firms not subject to consolidated risk-based capital rules would measure liabilities according to GAAP. The deadline for public comment is July 8.
|Bank Supervision
|May 1, 2014
Regulatory Capital
A final rule, published today in the Federal Register, sets a minimum supplementary leverage ratio for the very largest U.S. banking organizations. Effective January 1, 2018, bank holding companies covered by the rule will have to maintain a supplementary leverage ratio of at least 5 percent to avoid restrictions and their insured depository institutions will have to maintain a supplementary leverage ratio of at least 6 percent to be well capitalized according to the prompt corrective action framework.
A proposed rule, published separately today in the Federal Register, revises the regulatory capital rule's definition of "eligible guarantee." The deadline for public comment is June 13.
|Bank Supervision
|March 24, 2014
Appraisal Management Companies
A new proposed rule would set registration and supervision requirements for appraisal management companies (AMCs), which act as intermediaries between appraisers and lenders. In states that don't certify and license AMCs, the rule would bar AMCs from providing appraisal management services for real estate transactions involving federal regulated banking entities. Public comments are due in 60 days.
|Bank Supervision
|March 13, 2014
Stress Tests
Final supervisory guidance, published today in the Federal Register, describes general expectations for the stress tests the Dodd-Frank Act requires banks and holding companies to conduct on their own. The guidance applies to mid-sized banks and holding companies, those with between $10 billion and $50 billion in total assets.
|Bank Supervision
|January 6, 2014
Regulation A
A new proposed rule, published today in the Federal Register, implements the Dodd-Frank Act's requirements for emergency lending by the Federal Reserve. The deadline for public comment is March 7, 2014.
|Bank Supervision
|December 26, 2013
Regulation Z
A new final interagency rule, published today in the Federal Register, exempts some higher-priced mortgage loans from appraisal requirements established by the Dodd-Frank Act.
|Bank Supervision
|December 19, 2013
Income Tax
The federal banking regulators are seeking public comment on supplemental guidance designed to clarify how sections 23A and 23B apply to income tax allocation agreements involving holding companies and insured depository institutions. The deadline for public comment is January 21, 2014.
|Bank Supervision
|December 19, 2013
Dodd-Frank Act, Section 342
The federal financial regulatory agencies have extended the public comment deadline for their proposed policy statement on regulated institutions' diversity policies and practices. The new deadline is February 7, 2014.
|Bank Supervision
|December 12, 2013
Regulation CC
A new proposed rule would subject electronic checks and electronic returned checks to Regulation CC's check collection and return provisions, unless otherwise agreed by the sending and receiving banks. The deadline for public comment is May 2, 2014.
|December 10, 2013
Volcker Rule
A new final joint rule implements section 619 of the Dodd-Frank Act, commonly known as the "Volcker Rule." Covered banking organizations must comply with the Volcker Rule's restrictions on investments and activities by July 21, 2015. This extends by one year the previous compliance deadline.
|Bank Supervision
|December 10, 2013
Regulation J
A new proposed rule, published today in the Federal Register, would allow Reserve Banks to require paying banks receiving presentment of checks from Reserve Banks to make proceeds of settlement available to Reserve Banks in as few as 30 minutes after receipt of the checks. The deadline for public comment is February 10, 2014.
|December 6, 2013
Regulatory Capital
A new final rule aligns the Federal Reserve's market risk capital rule with the Basel III capital framework, which the Board adopted earlier this year. A correction to that framework, also issued today, clarifies the criteria for subordinated debt instruments that may be counted as Tier 2 capital.
|Bank Supervision
|December 5, 2013
Service Providers
Through new guidance released today the Federal Reserve reminds financial institutions it supervises to exercise appropriate risk management when using service providers.
|Bank Supervision
|December 5, 2013
Financial Market Utilities
A new final rule sets the requirements Federal Reserve Banks must meet to provide services to financial market utilities that the Financial Stability Oversight Council has designated as systemically important.
|Bank Supervision
|December 4, 2013
Bank Secrecy Act
A new final rule from the Financial Crimes Enforcement Network and the Federal Reserve, published today in the Federal Register, amends regulations implementing the Bank Secrecy Act in order to maintain the Act's coverage of funds transfers and transmittals of funds.
|Bank Supervision
|November 25, 2013
Regulatory Capital
A new final rule, published today in the Federal Register, increases the dollar thresholds for exempt consumer credit and lease transactions under Regulations Z and M.
|Bank Supervision
|November 19, 2013
Regulatory Capital
The federal bank regulatory agencies have released a new estimation tool to help community banks understand the potential effects of the recently revised regulatory capital framework on their capital ratios.
|Bank Supervision
|November 6, 2013
Priced Services
The new fee schedules for priced services, published today in the Federal Register, take effect January 2, 2014, and will be available at www.frbservices.org.
|October 24, 2013
Liquidity Standards
A new proposed rule would require large banking and financial companies to hold minimum amounts of assets that can be converted easily and quickly into cash. U.S. firms would have to comply fully with this new liquidity standard by January 1, 2017. The deadline for public comments is January 31, 2014.
|Bank Supervision
|October 22, 2013
Fair Lending
New interagency guidance, released today, outlines general supervisory principles and expectations related to the Ability-to-Repay and Qualified Mortgage Standards Rule.
|Bank Supervision
|August 5, 2013
Stress Tests
New proposed guidance, published today in the Federal Register, describes supervisory expectations for annual stress tests conducted by financial companies with total consolidated assets between $10 billion and $50 billion. The deadline for public comment on the proposed guidance is September 25.
|Bank Supervision
|July 25, 2013
Student Loans
Financial institutions that offer programs for student borrowers struggling with repayment should provide those borrowers with clear, practical information explaining the basic options available, general eligibility criteria, the processes, and how to contact lenders or servicers.
|July 10, 2013
Mortgage Appraisals
A new proposed joint rule would exempt certain higher-priced mortgage loans from recently finalized federal appraisal requirements. Comments from the public on all but the proposal's Paperwork Reduction Act analysis are due September 9.
|July 9, 2013
Large BHC Leverage Ratio
A new proposed joint rule would set additional leverage ratio requirements for the largest U.S. bank holding companies. The rule would take effect January 1, 2018. Comments from the public are due 60 days from the proposal's publication in the Federal Register.
|Bank Supervision
|July 5, 2013
Basel III
A final rule, approved by the Federal Reserve Board today, implements the Basel III regulatory capital reforms and includes some exemptions for community banks. The FDIC and OCC are expected to approve the rule by July 9.
|Bank Supervision
|June 5, 2013
"Swaps Push-out" Rule
A new rule, effective today, establishes new processes for uninsured U.S. branches and agencies of foreign banks and insured depository institutions that qualify as "swaps entities" under the Dodd-Frank Act. Dodd-Frank's so-called "swaps push-out rule," which bars swaps entities from discount window lending and deposit insurance, takes effect July 16. The rule is interim final, and the deadline for public comment is August 4.
|Bank Supervision
|April 18, 2013
Enhanced Supervision
A new proposal, published today in the Federal Register, would establish annual assessments on systemically important bank holding companies, savings and loan holding companies, and nonbank financial companies. These assessments are designed to cover the costs the Federal Reserve incurs supervising these entities. The deadline for comments is June 15.
|Bank Supervision
|April 5, 2013
Enhanced Supervision
A new final rule, published today in the Federal Register, defines how holding companies and nonbank financial companies qualify as "predominantly engaged in financial activities" or "significant." These definitions will help determine which firms require enhanced prudential supervision by the Federal Reserve. The rule takes effect May 6.
|Bank Supervision
|April 5, 2013
Foreign Exchange
A new final rule, published today in the Federal Register, sets standards for banking organizations that are regulated by the Federal Reserve and conduct certain kinds of retail foreign exchange transactions. The rule takes effect May 13.
|Bank Supervision
|October 12, 2012
Stress Tests
Final stress-testing rules, published today in the Federal Register, require the largest bank holding companies and their state member bank subsidiaries to conduct their own stress tests this fall and disclose those results next spring. Holding companies with total assets between $10 billion and $50 billion must conduct their first stress tests in the fall of 2013 and do not need to publicly disclose those first tests' results.
|Bank Supervision
|October 2, 2012
Swap Entities
Federal agencies published notice today that they have reopened the comment period on a proposed rule to establish margin and capital requirements for swap dealers, major swap participants, security-based swap dealers, and major security-based swap participants. The reopened comment period will close November 26.
|August 27, 2012
Stress Tests
The Federal Reserve is considering whether to delay the effective date of certain Dodd-Frank Act stress-testing requirements. The delay under consideration, which would apply to company-run stress tests at bank holding companies, state member banks, and savings and loan holding companies with between $10 billion and $50 billion in total consolidated assets, would help ensure that these companies have sufficient time to develop their stress-testing programs.
|Bank Supervision
|August 15, 2012
Truth in Lending
A new proposed interagency rule would amend the Truth in Lending Act and set new standards for appraisals related to "higher-risk loans," those residential mortgage loans with APRs exceeding the average prime offer rate for comparable transactions. Comments on the proposal are due October 15, except for comments on the proposal's Paperwork Reduction Act analysis, which are due 60 days from its forthcoming publication in the Federal Register.
|August 8, 2012
Basel III
The Federal Reserve has extended the public comment period on the proposed interagency rule, designed to implement the Basel III regulatory capital reforms, until October 22.
|Bank Supervision
|August 2, 2012
Foreclosure Review
The Federal Reserve and OCC have extended the deadline by which borrowers can seek review of their mortgage foreclosures to December 31.
|July 30, 2012
Regulation HH
A new final Federal Reserve rule establishes risk-management standards for financial market utilities (FMUs) the Financial Stability Oversight Council designates as systemically important. The rule also sets standards these designated FMUs must meet when they intend to make material changes to their rules, procedures, or operations. The rule takes effect September 14.
|Bank Supervision
|July 27, 2012
Regulation II
Under newly approved amendments to Reg. II, debit card issuers can receive fraud-prevention adjustments if they develop, implement, and maintain policies and procedures designed to reduce the occurrence and costs of fraudulent debit card transactions. The amended rule takes effect October 1.
|July 12, 2012
Banking Applications
New supervisory guidance outlines a new optional process by which banking organizations can seek the Federal Reserve's feedback on potential bank acquisitions or other proposals. This new pre-filing process is intended to help ease and shorten the formal application process for infrequent filers, like some community banks, or potential filers with novel proposals.
|Bank Supervision
|June 29, 2012
Riegle-Neal Act
The federal banking regulatory agencies have updated their host state loan-to-deposit ratios, which the agencies use to determine compliance with Section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994.
|Bank Supervision
|June 21, 2012
Foreclosure Review
New guidance, released today, will help determine the compensation or other remedy borrowers will receive for financial injury identified during the Independent Foreclosure Review. Eligible borrowers may request a free review of their mortgage foreclosures through September 30.
|June 21, 2012
Mortgage Servicing
The federal financial regulatory agencies have released new guidance to help ensure that mortgage servicers meet their obligations to military servicemembers who've received Permanent Change of Station orders.
|June 7, 2012
Capital Rules
Three new proposed rules seek to establish an integrated regulatory capital framework. Public comments are due September 7.
|Bank Supervision
|June 7, 2012
Capital Rules
Changes to the market risk capital rule, which requires banking organizations with significant trading activities to adjust their capital requirements to account for market risk, are now final. The approved final rule takes effect January 1, 2013.
|Bank Supervision
|June 4, 2012
Securities Holding Companies
A new final rule, published today in the Federal Register and effective July 20, outlines the procedure by which an SHC, a nonbank company that owns at least one registered broker-dealer, can choose Federal Reserve supervision.
|Bank Supervision
|June 4, 2012
Supervisory Coordination
As part of an effort to minimize unnecessary regulatory burden, the federal financial prudential regulators and the Consumer Financial Protection Bureau have entered a Memorandum of Understanding to coordinate the supervision of insured depository institutions with greater than $10 billion in assets.
|Bank Supervision
|May 14, 2012
Stress Tests
A new statement from the Federal Reserve, FDIC, and OCC clarifies that stress-testing requirements for banking organizations with total consolidated assets of greater than $10 billion don't apply to community banks. Community banks should have a sound risk management program, however, that allows them to analyze the potential effect of adverse outcomes.
|Bank Supervision
|April 12, 2012
Regulation D
A new final rule, published today in the Federal Register, simplifies the administration of reserve requirements. Two of the changes, the discontinuation of certain as-of adjustments and the elimination of the contractual clearing balance program, are effective July 12, 2012. Two others, the creation of a common two-week maintenance period and the replacement of carryover and routine penalty waivers with a penalty-free reserve balance range, are effective January 24, 2013.
|April 12, 2012
Regulation J
A new final rule, published today in the Federal Register, eliminates references to as-of adjustments, clarifies the application of Regulation J to Fedwire funds transfers, and clarifies rules related to Reserve Bank handling of checks. These amendments take effect July 12, 2012.
|April 10, 2012
Dodd-Frank Act
A new proposed amendment to Regulation Y, published today in the Federal Register, would clarify the definition of "financial activities," one of the key criteria used to determine whether a company is subject to Title I of the Dodd-Frank Act. The deadline for public comment is May 25.
|Bank Supervision
|April 5, 2012
Other Real Estate Owned
As part of an orderly OREO disposition strategy, banking organizations may rent residential properties acquired in foreclosure and, to the extent those OREO properties meet the Community Reinvestment Act's definition of "community development," receive favorable CRA consideration for them.
|March 30, 2012
Leveraged Finance
Proposed new guidance, published today in the Federal Register, would replace existing interagency guidance and focus on five main areas: risk-management frameworks; underwriting standards; valuation standards; pipeline management; and reporting and analytics. The deadline for public comment is June 8.
|Bank Supervision
|February 2, 2012
ALLL Guidance
New supervisory guidance on allowance for loan and lease losses (ALLL) estimation practices, out today, reminds regulated financial institutions to monitor all credit quality indicators relevant to credit portfolios, including loans and lines of credit secured by junior liens on one- to four-family residential properties.
|Bank Supervision
|August 31, 2011
Capital One Public Meetings
The Federal Reserve will hold three public meetings to collect information to help it weigh the expected public benefits of Capital One Financial Corporation's proposed acquisition of ING Bank. The meetings will take place in Washington, DC on September 20, in Chicago on September 27, and in San Francisco on October 5. Requests to testify are due September 9 for the Washington meeting, September 15 for the Chicago meeting, and September 23 for the San Francisco meeting.
|August 31, 2011
Securities Holding Companies
A new proposal outlines procedures for securities holding companies to elect Federal Reserve supervision. Public comments on the proposal are due October 11.
|Bank Supervision
|August 22, 2011
Savings and Loan Holding Companies
The Federal Reserve proposes a two-year phase-in for regulatory reporting requirements for most savings and loan holding companies and an initial reporting exemption for others. Public comments on the proposal are due November 1.
|Bank Supervision
|June 15, 2011
Stress Tests
New federal supervisory guidance, published June 15 in the Federal Register, outlines general principles for satisfactory stress-testing practices at banking organizations with total consolidated assets of $10 billion or greater. Public comments on the guidance are due July 29.
|Bank Supervision
|June 14, 2011
Risk-based Capital
A final rule, adopted by the Federal Reserve, OCC and FDIC, sets a floor for the risk-based capital requirements applicable to the largest, internationally active banking organizations. The rule takes effect 30 days from publication in the Federal Register.
|Bank Supervision
|June 13, 2011
Regulations Z and M
The dollar threshold for consumer credit and lease transactions exempt from Regulations Z and M, respectively, has been increased to $50,000 for 2012. This annual adjustment will take effect January 1.
|June 13, 2011
Regulation Z
The fee dollar amount that triggers additional disclosures for certain home mortgage loans under the Truth in Lending Act and Home Ownership and Equity Protection Act of 1994 has been adjusted to $611 for 2012. This annual adjustment will take effect January 1.
|June 13, 2011
Small BHCs
An interim final rule, effective upon publication in the Federal Register, will allow small bank holding companies that are S-Corp or Mutual BHCs to exclude certain kinds of subordinated debt from treatment as debt for purposes of the Federal Reserve's Small BHC debt-to-equity standard. Public comments on the rule are due July 30.
|Bank Supervision
|June 10, 2011
Capital Plans
Under a new proposal, top-tier BHCs with total consolidated assets of $50 billion or greater would have to submit annual capital plans for review by the Federal Reserve. Public comments on the proposal are due August 5.
|Bank Supervision
|June 7, 2011
Credit Risk Retention
The deadline for public comment on the federal financial regulatory agencies' proposal has been extended to August 1.
|Bank Supervision
|May 23, 2011
Regulation E
Under a new proposed rule just published in the Federal Register, remittance transfer providers would have to make certain new disclosures to their customers, and those customers would have new rights to error resolution and cancellation. Public comments are due July 22.
|April 19, 2011
Regulation Z
Under proposed changes to the regulation, creditors would have to determine a prospective borrower's ability to repay before making a loan and establish minimum underwriting standards. These changes implement requirements imposed by the Dodd-Frank Act. Public comments on the proposal are due July 22.
|April 15, 2011
Savings & Loan Holding Companies
The Federal Reserve, which assumes supervisory and regulatory authority for savings & loan holding companies (SLHCs) and their non-depository subsidiaries on July 21, seeks comment on its proposed supervisory approach to SLHCs. Public comments on the proposal are due May 23.
|Bank Supervision
|April 14, 2011
Incentive Compensation
A joint proposal from the federal financial regulatory agencies would prohibit certain potentially risky incentive compensation arrangements at financial institutions with more than $1 billion in assets. Public comments on the proposal, which has just been published in the Federal Register, are due May 31.
|Bank Supervision
|April 14, 2011
Regulation Q
As required by the Dodd-Frank Act, the Board has proposed to repeal its Regulation Q, which prohibits the payment of interest on demand deposits by Federal Reserve member institutions. Public comments on the proposal, which has just been published in the Federal Register, are due May 16.
|March 3, 2011
Regulation CC
Under a proposed amendment to Regulation CC, depositary banks would be entitled to expeditious return of checks only if they agree to receive returned checks electronically and paying banks would be allowed to require electronic presentment of checks presented for same-day settlement. The amendment would also shorten the safe-harbor period for an exception hold to four business days. Public comments on the proposal are due June 3.
|March 1, 2011
Regulations B and V
The Federal Reserve and Federal Trade Commission are proposing new model forms and notices to comply with new credit score disclosure requirements included in the Dodd-Frank Wall Street Reform and Consumer Protection Act. Public comments are due 30 days after publication in the Federal Register.
|February 14, 2011
Volcker Rule
An approved final rule, just published, explains how much time banking companies and nonbank financial companies supervised by the Federal Reserve will have to make their investments and activities conform to the so-called "Volcker Rule," which restricts proprietary trading and relationships with hedge funds. The rule takes effect April 1.
|Bank Supervision
|April 12, 2011
A joint rule proposed by five federal agencies, including the Federal Reserve, would impose margin and capital requirements on regulated swap entities. Public comments on the proposal are due June 24.
|Bank Supervision
|April 12, 2011
Orderly Resolution
Under a proposed rule from the Federal Reserve and FDIC, systemically significant bank holding companies and nonbank financial companies would have to submit annual plans describing their strategies for rapid, orderly resolution in bankruptcy. These companies would also have to submit quarterly credit exposure reports. Public comments on the proposal are due June 10.
|Bank Supervision
|February 8, 2011
Systemically Important Nonbank Financial Companies
A new proposal sets standards to help determine whether a financial company qualifies for the Federal Reserve's new enhanced consolidated prudential supervision. Comments on the proposal are due March 30.
|Bank Supervision
|February 3, 2011
Reporting Requirements
The federal bank and thrift regulatory agencies have proposed changes to thrift and thrift holding company reporting requirements. The changes are designed to bring uniformity to reporting requirements for insured banks and savings institutions and to do likewise for all holding companies supervised by the Federal Reserve. Comments on the proposed changes are due in April.
|Bank Supervision
|February 1, 2011
Truth In Lending
In light of its July 2011 transfer of Truth In Lending authority to the new Bureau of Consumer Financial Protection, the Federal Reserve will not finalize three pending proposed amendments to Regulation Z. The proposed amendments addressed disclosures for closed-end loans and home equity lines of credit, reverse mortgages, and rescission rights.
|January 31, 2011
SAFE Act
Effective January 31, residential mortgage loan originators employed by banks, thrifts, credit unions, or the Farm Credit System must register with the Nationwide Mortgage Licensing System and Registry.
|December 15, 2010
Community Reinvestment Act
A final interagency rule, substantially similar to one proposed this past June, expands Community Reinvestment Act consideration of neighborhood stabilization activities. The rule takes effect next month.
|Bank Supervision
|December 15, 2010
Basel II
The Federal Reserve, FDIC, and OCC seek comment on proposed new market risk capital rules for banking organizations that engage in significant trading activity. Comments are due in March, 2011.
|Bank Supervision
|December 13, 2010
Consumer Leasing
New proposed amendments to Regulation Z and Regulation M would apply the Truth In Lending Act and the Consumer Leasing Act, respectively, to consumer credit transactions and leases of up to $50,000. The current limit is $25,000. The proposed amendments are intended to implement requirements in the Dodd-Frank Wall Street Reform and Consumer Protection Act. Public comments are due February 1.
|December 10, 2010
Appraisal and Evaluation Guidance
New interagency guidance explains minimum regulatory standards for appraisals of collateral for mortgages and other loans. The new guidance replaces previous guidance on the subject.
|Bank Supervision
|June 21, 2010
Incentive Compensation
New joint final guidance, out today, seeks to ensure that incentive compensation arrangements at banking organizations appropriately tie rewards to longer-term performance and don't undermine the firm's safety and soundness or create undue risks to the financial system.
|Bank Supervision
|June 17, 2010
Community Reinvestment Act
A new proposed rule would encourage depository institutions to support HUD's Neighborhood Stabilization Program (NSP) by lending and investing to support NSP activities in certain areas.
|June 15, 2010
Credit Cards
The final rule implementing the Credit CARD Act of 2009 has been approved and will take effect August 22.
|May 10, 2010
Term Deposit Facility
Over the coming months, the Federal Reserve will conduct up to five small-value offerings of term deposits under the Term Deposit Facility. The first of these offerings could be as early as mid-June. These small-value offerings are designed to allow participants to familiarize themselves with term deposit procedures. The term deposits offered will be simple fixed-rate instruments with maturities of 84 days or less, offered primarily, though not exclusively, through competitive single-price auctions.
The Federal Reserve approved amendments to Reg. D to allow Reserve Banks to offer term deposits. These amendments will take effect 30 days from May 5, the date of their publication in the Federal Register.
|May 4, 2010
Correspondent Relationships
Final guidance, published today in the Federal Register, addresses risks associated with funding and credit concentrations arising from correspondent relationships.
|Bank Supervision
|March 23, 2010
Regulation E
A new final rule, part of the Credit CARD Act of 2009's implementation, restricts, among other things, inactivity fees for gift cards and other kinds of prepaid products. The rule takes effect August 22.
|March 15, 2010
Regulation Z
A new proposed rule, part of the Credit CARD Act of 2009's implementation, would protect credit card users from unreasonable late payment and other penalty fees and would require card issuers to reconsider interest rate increases. Public comments on the proposed rule are due by April 14.
|February 26, 2010
Credit Cards
The Federal Reserve has launched a new interactive website, designed to help consumers understand the new credit card protections taking effect February 22
|February 26, 2010
Overdraft Fees
The Federal Reserve has clarified the overdraft rules it issued in late 2009 under Regulations E and DD. Public comment on the proposed clarifications are due in late March. A new online manual is designed to help consumers understand new protections against overdraft fees on debit-card and ATM transactions.
|February 19, 2010
Primary Credit
Effective today, the discount rate increases from 0.5 to 0.75 percent. Effective March 18, the typical maximum maturity for primary credit loans will shorten to overnight. The minimum bid rate for the final TAF auction on March 8 will be 0.5 percent, up from 0.25 percent.
|January 7, 2010
Interest Rate Risk
A new advisory, out today, reemphasizes the importance of sound practices to manage interest rate risk.
|Bank Supervision
Legal Department
(804) 697-8426


text:
Is he the kid no.12 from Norte dame. If it is, I wouldn't mind. But I remember the Irishs' game against Michigan and that kid got tore up into pieces by denard Robinson.
This has Robert Blanton written all over it as a potential later-round draft selection.
Great size though

subset: commoncrawl


text:
Every year, the Cayman Islands Tourism Association (CITA) hosts the Stingray Tourism awards to honor all the outstanding employees in the Cayman Islands Tourism industry. "These are individuals who both service guest's daily on the front line and behind the scenes. They are the crème de la crème of Cayman's Tourism Industry" said Trina Christian Executive Director of CITA.
TheReef is proud to announce that 5 of our very own have been nominated for these prestigious awards! And theReef's nominees are…
- Linera Grant - Accommodations Employee of the Year
- Eadaoin Douglas – Restaurant Manager of the Year
- Constantiono "Tony" Vailoces – Restaurant Employee of the Year
- Sarah-Jane Whitehill – Rising Star in Tourism Award
- Michelle Hayes – Long Service/Special Contribution Award
On Tuesday 9th November, the nominees will attend an awards dinner held at the Marriott Beach Resort on Seven Mile Beach.
We wish them all the best of luck! Check back here to find out if our Reef Stars are winners.


text:
by Mark Jones
"As hard as it may be to believe, embezzlement is a relatively common occurrence in churches." — Richard Hammar, attorney and CPA
I recently did some research on fraud while preparing a presentation for ministry leaders about protecting their ministry assets. I expected to find some news articles but was surprised to find so many reports of fraud recently discovered in churches and nonprofits.
Like me, many in the ministry world probably think that embezzlement rarely happens. Unfortunately, we are wrong.
So why is fraud on the rise—and what can we do to prevent it?
We know that three things must exist for fraud to occur: pressure, opportunity, and rationalization. Certainly, the current economic environment has created financial pressure for some workers and volunteers who, given the opportunity, might rationalize this immoral behavior. While we can't control the pressure workers or volunteers may experience, or even how they may rationalize stealing, we can control the opportunities for fraud or embezzlement within our ministries.
The first step is to conduct a risk assessment. This simply means sitting down with your team and talking about where losses might occur. As you begin to identify those risk areas, you can determine which ones pose the greatest risk for your organization, workers, and volunteers. Typical high-risk areas include inadequate separation of duties between related tasks and a lack of dual custody when handling valuable assets such as contributions.
Addressing these areas doesn't mean you are creating an environment of distrust. On the contrary; you are building accountability and transparency—protecting both your ministry and the people who work or volunteer for it.
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Has your ministry taken any other steps to reduce opportunities for fraud?


text:
Professor, World Languages & Literatures
Coordinator and Advisor, Japanese Program
Additional Contact Information
Phone Number(s)
(408) 924-4593
Office Hours
7:05-8:20 a.m. (MTWTh)
Dr. Inaba came to San José State University from its sister school Cal State Fullerton in 1998. He is currently Coordinator of the Japanese Program. He teaches Japanese language courses at all levels, as well as culture and linguistics. His current research interests include the theoretical study of Japanese rhythmic structures and its application to rhythmic instructions for learners of the language.
E-book (2012): 日本語と英語に興味がある人のための日本語学 [Japanese Linguistics for those interested in both English and Japanese] is available at App Store.
Book (2013): "An Introduction to Japanese Linguistics for Advanced Learners of Japanese" is available at Amazon.


text:
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content is reviewed periodically and is subject to
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tag:blogger.com,1999:blog-675793950062757664.comments2014-11-28T10:54:24.025-08:00Myrtle Street ReviewSussuhttp://email@example.com:blogger.com,1999:blog-675793950062757664.post-38305968778337754852014-09-29T03:27:39.347-07:002014-09-29T03:27:39.347-07:00Well, im 100% finnish and I dont know if that Texa...Well, im 100% finnish and I dont know if that Texas dna-test is legit but it gave a result of "94% chance of belongning in anglo-saxon category". email@example.com:blogger.com,1999:blog-675793950062757664.post-88022924990992720502014-09-21T02:12:56.622-07:002014-09-21T02:12:56.622-07:00Finland is Western Korea. I am sure their sliteyes...Finland is Western Korea. I am sure their sliteyes are of white European origin. All Europeans have email@example.com:blogger.com,1999:blog-675793950062757664.post-81970560028033726642014-02-24T12:17:40.510-08:002014-02-24T12:17:40.510-08:00Thank you for this. My interests is actually in Ch...Thank you for this. My interests is actually in China, but includes cultural exchanges that may have happened over the centuries. I am Black and yet, in some places I am still seen as exotic, of all places in Spain, but not in a good way. No matter, I am who I am.Melissa Brownhttp://firstname.lastname@example.com:blogger.com,1999:blog-675793950062757664.post-30844356015075604682014-02-15T22:44:50.097-08:002014-02-15T22:44:50.097-08:00Asians rule!!!! Finns suck!!!!Asians rule!!!! Finns suck!!!!niko sikohttp://email@example.com:blogger.com,1999:blog-675793950062757664.post-58312951778701489062014-02-15T22:43:44.476-08:002014-02-15T22:43:44.476-08:00Finns appear to possess major inferiority complex ...Finns appear to possess major inferiority complex issues. Can't accept who you are. Disgusting. Looks like wasted people to me. Yikes.niko sikohttp://email@example.com:blogger.com,1999:blog-675793950062757664.post-80474334435456172652014-02-07T08:13:31.832-08:002014-02-07T08:13:31.832-08:00"Your culture is almost complete western, it&..."Your culture is almost complete western, it's the only thing you really know, and still you're not accepted anywhere. Asians don't think you're Asian, and Europeans say you're not European. Because you're not "pure" even when they aren't either. Oh, joy."

I'm blonde Finnish man and I have been accepted everywhere as white European, would be ridiculous even to think otherwise. I also think that Finnish people are the most "European" of all people. Highest concentration of light hair and light eyes in Europe, the whitest face. The cliche. I think it's kind of jealousy from other people, so they try to put us email@example.com:blogger.com,1999:blog-675793950062757664.post-26018619125715232302014-01-20T01:45:22.059-08:002014-01-20T01:45:22.059-08:00Persia will have her revenge on you Fingolians, ju...Persia will have her revenge on you Fingolians, just you wait you horse riding savage. firstname.lastname@example.com:blogger.com,1999:blog-675793950062757664.post-75591944451677169452014-01-01T08:49:09.511-08:002014-01-01T08:49:09.511-08:00"And really, why would it be a bad thing for ..."And really, why would it be a bad thing for Finns to be part-Asian?"

Because it's not their identity? Not even true? It's largely based on French 19th century racist Arthur de Gobineau? And it's been used as a mock word for centuries? By others.

Your culture is almost complete western, it's the only thing you really know, and still you're not accepted anywhere. Asians don't think you're Asian, and Europeans say you're not European. Because you're not "pure" even when they aren't either. Oh, joy. email@example.com:blogger.com,1999:blog-675793950062757664.post-17560873578534961392013-11-23T12:37:37.852-08:002013-11-23T12:37:37.852-08:00Fyi., Y-DNA haplogroups have nothing to do with on...Fyi., Y-DNA haplogroups have nothing to do with one's "race". It is a single marker passed down paternally. It can literally change in a matter of generation or two if another haplogroup was to overtake it.

This is absurd. It very much has to do with race since the original meaning of that word was who you are descended from. And this marks descent on the male line. Basically the unfortunate thing is that the word is now used to mean something else which I will address again below.

Furthermore I've seen no evidence to suggest major changes in y-dna profiles of populations outside of well-known and confirmed colonization events, e.g. Spanish colonization of America. They don't change greatly except on peripheries or places where people move around a lot.

Y-dna certainly does correlate with even the more modern definition of race. Although it is true that you can't know a person's physical characteristics (i.e. modern def. of race) by y-dna alone, it would at least offer a good guessing point. For example, as I am r1a1a someone would not be wrong to guess that I would look either European or North Indian.

Anyway, it's probably true that Finnic origins as Asiatic is overheated but as far as I know haplogroup NO is supposed to originate in Asia somewhere. So we can't rule it out as a possibility. And really, why would it be a bad thing for Finns to be part-Asian?

-email@example.com:blogger.com,1999:blog-675793950062757664.post-7023840480689744212013-11-18T22:09:58.951-08:002013-11-18T22:09:58.951-08:00Crime scene clean up professionals has to be physi...Crime scene clean up professionals has to be physically fit because their job involves blood cleanup, death cleanup, homicide cleanup, bio-hazard cleanup, teargas cleanup services. Thanks for sharing this post.

John Kellyhttp://email@example.com:blogger.com,1999:blog-675793950062757664.post-88051063956537883032013-09-16T13:37:30.330-07:002013-09-16T13:37:30.330-07:00Most likely because in our language, mongoloid is...Most likely because in our language, mongoloid is derogatory term for people with down syndrome..email@example.com:blogger.com,1999:blog-675793950062757664.post-48823899598565781142013-07-01T00:24:38.549-07:002013-07-01T00:24:38.549-07:00I'm 100% Finn... my family came to US in the...I'm 100% Finn... my family came to US in the 1930's... they didn't keep written records... and only told me a little... so I can't trace everything positively... but the stories the family has passed down were we are either Kalevalan or Saami or a cross... the old folks from the old country told me they didn't speak Finn but spoke a language that started with a K... can't remember... but they were in the US to be Americans... my Mom was the last born in Finland and wasn't taught the language because she came here at age 1... they were forced to speak English. But the folks from the old country ALWAYS SAID THERE ARE ANCIENTS THAT CAME FROM MONGOLIA... they seemed proud of this heritage and were somewhat angry with history that has been told about the Finns because the ancients did a lot of great things... it really irritated them when people would attribute the sauna to the Swedes... or great ships to the Vikings... etc. and the great tenacity and superior battle strategies they possessed fighting wars... thanks for firstname.lastname@example.com:blogger.com,1999:blog-675793950062757664.post-31210911262458138152013-05-18T16:25:39.686-07:002013-05-18T16:25:39.686-07:00C great comment. I am what I am: 1/4 Finn, the re...C great comment. I am what I am: 1/4 Finn, the rest American mutt. With that said: The father to my children was also 1/4 Finn. Strangely, our one son was born with a Mongolian spot on his lower back. I was told years later it probably came from the Finnish side. We should all be proud of our heritage and stop trying claim one race is better than another.
 firstname.lastname@example.com:blogger.com,1999:blog-675793950062757664.post-55489044512546838302013-04-16T10:09:36.959-07:002013-04-16T10:09:36.959-07:00This is a really great initiative. Yes, it would b...This is a really great initiative. Yes, it would be nice to provide proper homes for the homeless, but that's not really possible for ordinary people. However, we can contribute and built something like this for the homeless.
Caravan ParksPatrick Jameshttp://email@example.com:blogger.com,1999:blog-675793950062757664.post-32671663222257131492013-02-23T06:28:28.474-08:002013-02-23T06:28:28.474-08:00Hi I'm Finnish and I would just like to say th...Hi I'm Finnish and I would just like to say that not all Finnish people have a negative reaction to being called part Asian, a lot of Finnish people will just say " so what". Of course there are those who run away screaming " say it ain't so" when this theory is brought up. Probably because some of the people spreading this theory have questionable reasons to do so. And I just have to clear up this 'othernes' linked to Finnish people. First of all Finland was part of Sweden for more than 500 years and it was part o Russia for 108 years. Finland resembles the other Northern European countries more than any other country ( similar society, culture, welfare the list goes on...), it's the overall that counts not "oh Finnish people like to do this so there for they are just like Japan/Turkey/Russia/Argentina/which ever country you could think of". There won't be a second point but I feel compelled to direct people to Wikipedia's Finland firstname.lastname@example.com:blogger.com,1999:blog-675793950062757664.post-86984525641749386612013-02-10T13:25:23.217-08:002013-02-10T13:25:23.217-08:00First sorry for my bad English. I have a company r...First sorry for my bad English. I have a company running in Finland and Sweden. I am Japanese businessman. However i have realized that we Japanese have so much similarities with Finns. There are so much similarities in language, culture, behavior,emotion, feelings, face expression, habits etc. I was shocked in the beginning. Now I am writing a book about this similarities in Japan.

The most common habit is that Finns don't shake hand with each other same like we in email@example.com:blogger.com,1999:blog-675793950062757664.post-65431132585441968422013-01-27T18:41:44.563-08:002013-01-27T18:41:44.563-08:00Rummor is telling truth. Finns indeed have some o...Rummor is telling truth.

Finns indeed have some of Chinese, Japanese, Koreanese, and Mogolian, whatever Asian Oriental genes. So what. 5000 years ago.

Asian is smartest race in the world.

We are very pride that we have some of Asian genes.cat caithttp://firstname.lastname@example.com:blogger.com,1999:blog-675793950062757664.post-35396726456604285012013-01-25T11:57:38.903-08:002013-01-25T11:57:38.903-08:00I actually find it slightly offensive how you gene...I actually find it slightly offensive how you generalize all of us. Yes there are many racist Finns whose minds are filled with the ancient "white is right" thoughts.

There are also many people who are different from that.
My family line originally comes from eastern Europe and Sweden. At some point some nazi souldiers came in and now I'm 25% German.

I want all of my ancestors to be recognized as a whole.I want all of my family history to be recognized. All of my history.Everything that I'm proud of not just a small part of it. Just like I want all my personality traits to be accepted.

I'm proud to have my unique slightly Asian features.
And I'm proud to be culturally and genetically versatile.
I don't like it when I'm put to little boxes and firstname.lastname@example.com:blogger.com,1999:blog-675793950062757664.post-40898967064881394872013-01-21T02:31:08.072-08:002013-01-21T02:31:08.072-08:00I love how you write (bookmarked)I love how you write
(bookmarked)firstname.lastname@example.com:blogger.com,1999:blog-675793950062757664.post-8768194862310927012013-01-02T22:40:26.901-08:002013-01-02T22:40:26.901-08:00informative post about crime scene cleanupinformative post about crime scene cleanupDallas crime scene cleanuphttp://email@example.com:blogger.com,1999:blog-675793950062757664.post-89895885658678631242012-12-30T23:53:47.363-08:002012-12-30T23:53:47.363-08:00Still some finnish look like japanese, even when t...Still some finnish look like japanese, even when they are white. Who cares if someone is white or email@example.com:blogger.com,1999:blog-675793950062757664.post-22475802253724282992012-12-20T01:42:45.123-08:002012-12-20T01:42:45.123-08:00Continued... Finns, like Scandinavians and some s...Continued...

Finns, like Scandinavians and some slavs, have minute amounts of Siberian and West Asian, zero African. Conversely, Southern European populations have no Siberian but have more North African and West Asian. Here's the kicker (which may not come as a surprise to you if you are familiar with these studies): Finns are zero percent East Asian / mongol or what have you. The only populations near Europe that actually are, belong somewhere among the many Russian ethnic groups, and Turkey. Turks have some East Asian in them. This came undoubtedly from the many East Asian invasions such as the Mongols, but it never got a foothold in Europe proper.

Anyway, those are just the facts. I hope this post was firstname.lastname@example.com:blogger.com,1999:blog-675793950062757664.post-54238785509043010012012-12-20T01:41:06.756-08:002012-12-20T01:41:06.756-08:00Anonymous said...: "Finns are largely Asian&q...Anonymous said...:
"Finns are largely Asian"

This notion is not based on any kind of data whatsoever. It's an idea literally derived from the 19th century pseudoscientific ethnology books, which were written by people who never visited the region in their lifetime, during a time the nation state of Finland didn't exist, nor did they have any grasp on genetics at that time. It's an idea that has a clear negative connotation to it, and has been perpetrated for centuries now with an underlying racist motive. Not that there is anything wrong with it if it was true and provable, but it turns out the statement is also false.

Fyi., Y-DNA haplogroups have nothing to do with one's "race". It is a single marker passed down paternally. It can literally change in a matter of generation or two if another haplogroup was to overtake it.

60% of Finns belong to the N1c1c Y-DNA substrada, which is entirely European, and can only be found within European populations. It would be literally possible that in a matter of a few generations, the remaining 40% could simply overtake the 60%, making N a minority in Finland, without actually touching the overall genetic makeup of Finland. The point is, haplogroups "take over" each other all the time.

Similarly, in Western Europe, the original haplogroups of the European stone age got overtaken by the asian haplogroup R, brought by the male-line Indo-Europeans. In that sense, I guess you could say we're all "asian".

As far as the "mongoloid" element. Finnish people, let alone the nation, or the language, didn't exist for a very long time compared to the rest of Europe. In the Middle Ages there were probably less than 50k people living in the region (check History of Finland). The notion that Finns somehow came from the East, while mixing with various populations along the way makes no logical sense either, since the closest relatives to the Finns are by far Swedes and the Balts. In fact, to further illustrate this point, Finns are about equally close related to Southern Italians (which is another European outlier group) as they are to the Sami people, which many people seem to think are close relatives to Finns.

So, almost everything about the Finns, their genes, their language and nation has formed and come about in the eastern part of Europe. To say that Finns are not entirely European would be like saying the Irish are not entirely European, or that Italian are not entirely European.

Just how European in terms of DNA are the Finns then? How much of their DNA derives from the earliest European populations? Surely there are varying degrees of it. Well, yes. L.L. Cavalli-Sforza measured Finns to be about 90% European (Wikipedia). Dodecad Ancestry Project gives 90% in one study, 91% in another. This is comprised by combining both Northern and Southern European admixes. Let's put this into perspective: Irish are about 91%, Scandinavians are 93%, Sardinians are about 97%, while the highest, French Basque, are 99% European. So, 90% is low? No, actually, it is above average. British are also 90%, Germans 90%, French are about 87% as are Hungarians and Russians. Mainland Italians range from 78% to 69% in the South. Balkans on average are 77%, with Greece being the lowest at 60%. Sami people are only 50% (L.L. Cavalli-Sforza), making them very different from Finns. Turkey stands at 30% European. Without Turkey (which is not part of Europe anyway), the average European admix is somewhere in the 80's, making Finns one of the more "European" populations on the continent in terms of DNA. In the end though, no one is absolutely 100% email@example.com:blogger.com,1999:blog-675793950062757664.post-5308262895176506762012-12-15T23:22:41.124-08:002012-12-15T23:22:41.124-08:00Finns are largely Asian (or Mongoloid) paternally,...Finns are largely Asian (or Mongoloid) paternally, when one considers that 58% of Finnish males carry the N3 Y haplogroup. According to almost all genetic studies, the N3 Y haplogroup is of Asiatic Mongoloid origin, having originally developed amongst the Asians in South-East Asia over 14,000 years ago. These Asian settlers (or at least the male descendants of this group) then migrated to China, then from China onto Northern Siberia and then finally to the North-Eastern European regions of Finland, Lithuania, Latvia, Estonia, and parts of North-Western Russia. There these Asiatic Mongoloid N3 Y haplogroup males intermarried with the indigenous white European females. This first produced a hybrid population of Eurasians peoples, who were Asiatic Mongoloid from their father's side and European from their mother's side (MTDNA). Over generations and hundreds and thousands of years, as these mixed Eurasians descendants married more European women, the Mongoloid Asiatic components of the original Finns, North-Western Russians, Estonians, Latvians, and Lithunians were diluted further, until currently the Finnish population is considered to be about 10% of Siberian/Uralic or Mongoloid Asiatic descendant overall (meaning autosomally in genetic terms), although paternally they are entirely Asiatic (the N3 Y haplogroup) and entirely European maternally.

The Uralic cousins of the Finns, and the North-Western Russians, Estonians, Latvians, and Lithunians in the Ural mountains and further east in Siberia such as the Nganasan, Nenets, Khants, Yakuts, Mansi, and others look far more Asian, since they are overall (i.e. genetically autosomally) more Asian and have not only overwhelming the N3 Y haplogroup genes from their paternal side, but also Asiatic Mongoloid MTDNA from their maternal side.

Hence, the Finns and the North-Western Russians, Estonians, Latvians, and Lithunians are largely Asian and Mongoloid paternally and largely European both autosomally and maternally.

Finns have the Asiatic paternal genes and no wonder like their East Asian cousins such as the Japanese, Koreans, Chinese, and others, the Finnish population and Finnish children and youth are amongst the top (similar to the East Asians) when it comes to education achievements, and abilities in mathematics and scientific email@example.com:blogger.com,1999:blog-675793950062757664.post-63143839063812315892012-12-06T01:42:10.546-08:002012-12-06T01:42:10.546-08:00@Annie: It's simple Annie, many Finns people ...@Annie:

It's simple Annie, many Finns people still are dormant in their thinking of Asians. They have little to no knowledge of what's going on in Asia. Or have not came on contact with Asians because they still believe "white is better". They don't know that Asia (Japan, China, Korea) are among the top economic powers in this world.

As a half japanese and half chinese American it really is quite sad to see people of Finland not open minded to accpeting those of us from Asia. It's quite sad how closed minded they are!

I hope as the world become more globalized more people opf Finland can open up to people from Asia and accept us.Alexhttp://email@example.com


text:
ý2 microglobulin is an 11 kDa protein associated with the outer membrane of many cells including lymphocytes. It is the small subunit of the MHC class I molecule. Association with beta 2-microglobulin is generally required for the transport of class I heavy chains from the endoplasmic reticulum to the cell surface. ý2 microglobulin associates with class I-like molecules such as CD1 and Qa as well as with the alpha chain of MHC class I molecules. Very limited amounts of MHC class I molecules can be found on the surface in the absence of ý2 microglobulin. CD8 T cells cannot develop in the absence of MHC class I. Beta 2-microglobulin is present in small amounts in serum, csf, and urine of normal people, and to a much greater degree in the urine and plasma of patients with tubular proteinaemia, renal failure, or kidney transplants. Human Beta 2 microglobulin levels can rise either because its rate of synthesis has increased (e.g. in AIDS, malignant monoclonal plasma cell dyscrasia, solid tumors and autoimmune disease) or because of impaired renal filtration (e.g. due to renal insufficiency, graft rejection or nephrotoxicity induced by post-transplantation immunosuppressive therapy). Beta-2 microglobulin levels might also be elevated in multiple myeloma and lymphoma cases. Dialysis-related amyloidosis develops after a long-term hemodialysis, it can aggregate into amyloid fibers that deposit in joint spaces.
Beta-2-microglobulin, B2M.
Human Beta-2 Microglobulin produced in Human Urine from patients with tubular proteinuria having a molecular mass of 12KDa and pI of 5.6.
Human Urine from patients with tubular proteinuria
Sterile Filtered White lyophilized (freeze-dried) powder.
Lyophilized from 0.02M NH4HCO3.
It is recommended to reconstitute the lyophilized HuB2M in phosphate buffer pH > 7.0 containing 0.15M NaCl.
Human B2M although stable at room temperature for 3 weeks, should be stored between 2-8°C.
> 98.0%.
Starting material tested and found negative for HIV I & II antibodies, Hepatitis B surface antigen, and Hepatitis C antibodies. Finished product tested and found negative for HIV antigen P24.
Feldan's products are intended for LABORATORY RESEARCH USE ONLY.
Accession Number: P61769EBINCBIUniprot


text:
Need help with writing? All college essay tutoring in writing is done in the Writing and Learning Center in room 206. Visit the Writing Center's website at uiw.edu/wlc.
Need help with math? All college math tutoring is conducted in the Math Tutoring Lab in Bonilla Science Hall (BSH) room 336. For fall 2014, the Math Tutoring Lab is open Monday-Thursday 8:00 am-6:00 pm.
Any student who needs assistance with accessing a Student Success office during regular office hours: please contact Michelle Beasley at 210-829-3997 or Sandy McMakin at 210-805-3005.
Any student who is requesting access after office hours or on the weekend should contact Campus Police at 210-829-6030.


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To greet guests upon entrance to dining room, direct guests to appropriate seating and record payments upon guests completion of meal. Must be dependable, punctual, flexible to work AM & PM shifts adaptable, customer oriented and able to multi task. Full time position. To apply for this position go to: www.jqhhotels.com/careers


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Guest ProfileGuest Profile: Barbara Marx Hubbard
Barbara Marx Hubbard has been called �the voice for conscious evolution of our time� by Deepak Chopra and is the subject of Neale Donald Walsch�s book �The Mother of Invention.� A prolific author, visionary, social innovator, evolutionary thinker and educator, she is co-founder and president of the Foundation for Conscious Evolution. She is the producer and narrator of the award-winning documentary series entitled Humanity Ascending: A New Way through Together. As a global ambassador for the conscious evolution movement she partnered with The Shift Network and formed a team to co-produce the world-wide multi-media event entitled, �Birth 2012: Co-Creating a Planetary Shift in Time� on Dec. 22, 2012 � a historic turning-point event; awakening the social, spiritual, scientific, and technological potential of humanity.
In 1984 her name was placed in nomination for the Vice Presidency of the United States on the Democratic ticket, calling for a �Peace Room� to scan for, map, connect and communicate what is working in America and the world. She also co-chaired a number of Soviet-American Citizen Summits, introducing a new concept called �SYNCON to foster synergistic convergence with opposing groups.
Her books include: The Hunger of Eve: One Woman�s Odyssey toward the Future; The Evolutionary Journey: Your Guide to a Positive Future; Revelation: Our Crisis is a Birth �An Evolutionary Interpretation of the New Testament; Conscious Evolution: Awakening the Power of our Social Potential; Emergence: The Shift from Ego to Essence; 52 Codes for Conscious Self Evolution and Birth 2012 and Beyond: Humanity�s Great Shift to the Age of Conscious Evolution.
Barbara Marx Hubbard's Past Shows
Tuesday, February 18, 2014Host(s): Dr. Julie Krull
Guest(s): Barbara Marx Hubbard
Station(s): WBLQ, Transformation_Talk_Radio
The Dr. Julie Show ~ All Things Connected; Connecting the Co-Creators with Barbara Marx Hubbard
Dr. Julie and Barbara Marx Hubbard will discuss the tremendous potential of connecting co-creators in new forms of synergy that would lead to a synergistic way for people to express their creativity more fully in the personal and social realms.


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Myprotein Ireland
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Protein Cookies are a delicious baked cookie with over 50% protein content. This great tasting soft cookie provides a fantastic alternative to protein bars and shakes with over 37g of protein per 75g cookie. Protein Cookies come in three great tasting flavours which include; Chocolate Orange, Double Chocolate, and White Chocolate Almond.
The high protein content of Protein Cookie will contribute to the growth and maintenance of lean mass.
Protein Cookies are ideal for anyone looking to increase daily protein intake and are looking for a quick protein snack on the go. Protein Cookies make a great tasting supplement for around training or throughout the day.
Consume as a nutritional snack to increase your daily protein intake.Ideal before and after a workout or any other time of the day.
Double Chocolate Chip Flavour: Milk Protein, Hydrolysed Gelatine, Glycerine, Vegetable Oil, Chocolate Chips (9%) (Cocoa Mass, Sugar, Soya Lecithin), Soy Protein, Cocoa Powder, Oat Flour, Dietary Fibre (Gum Acacia), Baking Powder, Flavouring, Salt, Sweetener (Sucralose).
White Chocolate Almond Flavour: Milk Protein, Hydrolysed Gelatine, Glycerine, Vegetable Oil, White Chocolate Chips (9%) (Sugar, Cocoa Butter, Whole Milk Powder, Soya Lecithin), Soy Protein, Oatflour, Sugar, Dietary Fibre (Gum Acacia), Baking Powder, Flavouring, Salt, Sweetener (Sucralose®).
Chocolate Orange Flavour: Milk Protein, Hydrolysed Gelatine, Glycerine, Vegetable Oil, Soy Protein, Chocolate Chips (6%)(Cocoa Mass, Sugar, Soya Lecithin), Sugar, Cocoa Powder, Candied Orange Peel (3%)(sugar, Orange Peel, Citric Acid), Oatflour, Dietary Fibre (Gum Acacia), Baking Powder, Flavouring, Salt, Sweetener (Sucralose®).
Chocolate Mint Flavour: Milk Protein, Hydrolysed Gelatine, Glycerine, Vegetable Oil, White Chocolate Chips (9%)(Sugar, Cocoa Butter, Milk Powder, Soya Lecithin), Sugar, Cocoa Powder, Oatflour, Dietary Fibre (Gum Acacia), Baking Powder, Flavouring, Salt, Sweetener (Sucralose).
Per 75g:Energy: 1342kJ Energy: 317kcalProtein: 37.5g Carbohydrate: 19.55g (of which sugars): 7.32g Fat: 9.93g(of which saturates): 3.9g Fibre: 1.4gSodium: 0.27mg
Truely surprising
- (01 / Nov / 2014)
I played it safe and went with the previous reviews recommending the chocolate orange flavour. They are genuinely delicious and very satisfying, well worth a try!
Surprisingly delicious
- (15 / Aug / 2014)
I was looking for a reasonably high calorie snack food and I opted for the cookies because they also had a very high protein content. The chocolate orange flavour is fantastic. It's not too sweet, not dry in the least and I love it. They're not particularly filling either so you could easily add more food to your snack times. Amazing product.Goes Well With:Cold glass of milk.
- (31 / May / 2014)
I've tried the double chocolate and the the white chocolate almond and both don't taste good, the almond one tastes a bit better the good thing is the high protein content and the price.
- (05 / Mar / 2014)
I bought the protein cookies purely out of interest, and the fact that they were on sale. I'm really glad I did. I'm genuinely surprised how they can get 37.5 grams of protein into a single cookie. I had the chocolate orange flavour, and I plan on ordering more. My only issue I could take with it is that it is a bit expensive, but it's still much cheaper than buying protein bars from your local retailer. I would like to add that I think of myself as quite a picky eater, but this was very nice, in my opinion.Goes Well With:Unflavoured whey with plenty of fresh milk.
Phenomenal flavour
- (28 / Feb / 2014)
Just had my 1st one of these. Ordered a box of the chocolate orange flavour and I must say it is delicious. Perfect for just after the gym too as I am always in a rush. Couldnt recommend it enough.
- (20 / Oct / 2013)
Chocolate orange tastes absolutely fantastic, really is hard to believe theres 50% protein in these considering the taste, their not dry at all and could be eaten without having to wash down with water which is rare for protein bars,
I also ordered double chocolate but didn't enjoy them at all, they taste of strong processed chocolate syrup.
andy car
- (29 / Aug / 2012)
only half way through me first box n already orderin me second so i dont run out and have none nicest protein bar/meal replacement iv ever had and i eat a lot of protein
Brian O hAonghusa
- (29 / Jan / 2011)
"Taste and texture is exactly like marzipan for the white choc almond. excellent snack, filling and nutritionally dense"
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text:
KNOX COUNTY, Tenn. (WVLT) -- Knoxville police arrested Jennifer Danielle Johnson and charged her with aggravated robbery.
She's accused of robbing Glenn's Barber Shop in August when a man and woman pushed their way in and forced the owner, Glenn Farrington, to the floor.
The pair got away with cash. Police are still searching for the man.
------------------------------Previous Story--------------------------------
Glenn Farrington opened up shop for the first time in more than two months. Two crooks robbed him at knife point in July and he tells Local 8 that's all he could think about this morning.
A woman tricked Glenn Farrington into opening his barber shop door at 5:30 in the morning, and when he did, a man pushed his way in.
The two robbed Glenn of hundreds of dollars, pushed him down, broke his hip and held a knife to his face. Glenn Farrington says, "I remember laying there on the floor and I couldn't move. He could've killed me."
After weeks of hospital stays and surgery to put a rod in his leg, the 79 year-old barber is back behind the the chair with his scissors in hand. Farrington says, "I didn't know if I could sit down or stand up so I've cut 5 or 6 and stood up the whole time. My hip still hurts."
His customers have been waiting on this day. Mark Steinocher didn't get a haircut until Glenn came back. Mark Steinocher says, "I think it's fantastic. I've been waiting all this time, and I just by chance came by today to see if he was here and there he was holding the door for me."
Police still haven't caught the two suspects. They know who these two are, but not where they are. If you've seen them, call police.
Farrington says, "I hope they find them. They will. They're working hard. The detectives come by and hope to catch them."
Glenn's wife and grandson kept the shop going while he was out.
Glenn will be cutting on Tuesday, Friday and Saturdays if you want to stop by.
As for his condition, he's going back to the doctor for a checkup on Friday.
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text:
Got Milk?
A man dressed in a cow suit managed to rob a busy Stafford, Virginia Walmart of 26 gallons of milk on Tuesday night before being nabbed by the cops.
Apparently, the cow-suited criminal escaped the megastore by crawling out the doors, "trying to emulate cattle." He then began handing out the stolen jugs right outside the store before making his escape, in a sort of bovine interpretation of Robin Hood.
Stafford County sheriffs said they went to a nearby McDonald's restaurant for a disturbance call, and the responding officer saw a man–not in a cow suit–there that seemed to match the culprit.
The suspect was taken back to the Walmart, and management confirmed he was the thief of the pasteurized potion.
The cow suit was found in the man's car, Kennedy said. Source
He had to feed his calfs. Let him free!


text:
Pecorino Ravioli with Walnuts and Marjoram
From Food & Wine
Recipe By: Marcia Kiesel
In adapting this recipe from executive chef Shea Gallante at Cru in New York City, F&W's Marcia Kiesel traded a labor-intensive fresh pasta for premade wonton wrappers and was thrilled with the results. Wonton wrappers are milder-tasting than fresh pasta, which makes them a better showcase for the nutty brown butter, delicate young pecorino cheese and fresh marjoram.
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Nutritional Information
(per serving)
|Total Fat
|Saturated Fat
|Total Carbohydrate
|Dietary Fiber
Quentin Bacon
Serves: 4
Total Time: 30 min
|Conversion chart
- 3/4 cup(s) walnuts
- 1/2 pound(s) young pecorino cheese, such as Rossellino, rind removed, cheese grated (1 1/2 cups)
- 1/2 cup(s) heavy cream
- Salt and freshly ground pepper
- 48 wonton wrappers
- 6 tablespoon(s) unsalted butter
- 2 tablespoon(s) marjoram leaves
- Preheat the oven to 350°F. Put the walnuts in a pie plate and bake for about 5 minutes, until lightly toasted and fragrant. Let cool, then coarsely chop.
- Bring a large pot of salted water to a gentle simmer. In a medium bowl, stir together the cheese and heavy cream and season lightly with salt and pepper. On a work surface, lay out 4 wonton wrappers and moisten the edges with water. Place 2 teaspoons of the cheese filling in the center of each wrapper. Top with 4 more wrappers, press to remove any air pockets and then press well around the edges to seal. Transfer to a lightly floured baking sheet and cover lightly with plastic wrap. Repeat with the remaining wrappers and filling.
- In a medium skillet, cook the butter over moderate heat until it just starts to brown, about 5 minutes. Remove from the heat.
- Add the ravioli to the simmering water and cook until just tender, about 2 minutes. Remove from the heat. With a slotted spoon, carefully transfer the ravioli to a large platter and blot dry with paper towels. Reheat the butter, letting it boil over moderately high heat until richly browned. Add the marjoram leaves and let wilt, about 5 seconds. Pour the browned butter over the ravioli, sprinkle with the toasted walnuts and serve right away.
- Make Ahead: The assembled ravioli can be covered with plastic wrap and refrigerated for up to 4 hours.
- Wine Recommendation: Try a full-bodied, well-textured Italian white blend, such as the 2001 Bastianich Vespa Bianco or the 2000 La Castellada Bianco della Castellada.
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Please be advised that some positions may not be available at the time of your orientation. A list of vacancies will be provided to you at orientation.
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Assist staff with data entry, filing, sorting mail, clerical functions, and matching invoices. This department is located at our Central Campus on Pine Ridge Road.
Greet, assist, escort, and/or transport customers via wheelchair. Volunteers may provide some clerical assistance.
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Create a healing environment through the application of various art forms. Engage patients, family and staff in restorative and relief-generating experiences. The Arts In Healing program includes Visual Arts, Clowns On Rounds, Music Therapy and Pet Therapy. You do not need to be an artist to participate in this program.
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Assist in the care of well children from 6 weeks to 6 years (weekdays only – 9am to 7 pm). Certain qualifications apply.
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Assist staff with clerical functions, data entry. Volunteers need to be computer literate. This department is located at our Central Campus on Pine Ridge Road.
Clowns on Rounds:
Tap into your 'inner clown!' Upon graduating 'clown school,' taught by veteran clown volunteers, you will be equipped to visit patients and staff.
Community Blood Center:
Utilize phone skills to obtain blood donations; all donations stay in Collier County. Perform clerical functions & stock nurses' workstation and refrigerator. This department is located at two facilities: Downtown Campus and Central Campus (Pine Ridge Road).
Maintains the flow of lobby traffic by escorting customers to various locations inside the hospital. Some customers require an escort via wheelchair. Volunteers sanitize wheelchairs, deliver flowers/patient mail, stock rack brochures & magazines, help with special hospital events, and greet all incoming customers. Position requires standing for a majority of shift, pushing a wheelchair, excellent customer service skills, and basic computer skills
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Maintain the flow of ER lobby traffic by assisting and greeting all customers. Provide wheelchair assistance as needed. Volunteers sanitize wheelchairs and other equipment/furniture in the ER lobby, stock, and escort customers. Volunteers must be observant to the outside ER area and communicate frequently with ER staff, and assist ER staff. Volunteers must have excellent customer service skills and be able to stand for a majority of their shift.
Family Waiting Room:
Act as a liaison between visitors who have a family member/friend undergoing surgery and the Pre-Op/OR staff members. Volunteers make coffee and keep waiting room neat. Answer waiting room telephone, able to communicate in stressful situations, provide comfort and compassion to visitors.
Food Service:
Assist kitchen staff by serving food at the main stations, cleaning, stocking.
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Assist with sales in the gift shop, operate cash register, place inventory as needed, help customers with buying suggestions & keep shop neat and clean. Volunteers must be able to work a cash register, or have the ability to learn, and have excellent customer service skills. Prior retail experience preferred.
Golf Cart Driver:
Transport patients and visitors to and from their automobiles and the hospital entrances. Must have current Florida driver's license and be in good health. Certain requirements do apply. Position requires working outside during entire shift and excellent customer service skills.
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Assist staff with clerical duties such as answering incoming calls, filing, copying and assembling new-hire packets. Volunteers must be able to multi-task well and have excellent customer service skills.
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Work closely with Language Coordinator. Complete customer service calls to our Spanish speaking customers and document conversation. Must be fluent in conversational Spanish.
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Volunteers provide assistance to the Infection Prevention Department by monitoring, collecting data, and other duties as determined by the Director of Infection Prevention.
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The Information Desk is the nucleus of the main lobby. Volunteers at the Information Desk provide general information to customers regarding all areas of the hospital. Volunteers must have excellent customer service skills and basic computer skills or the ability to learn. Volunteers sit for a majority of their shift.
Knit baby booties and caps for newborns (work at home). Volunteers are required to utilize the material provided by the NCH Healthcare System.
Mail Room:
Receive, sort and distribute mail to all departments within the hospital and assign postage to mail pieces.
Music Therapy:
Provide patients, visitors and staff with the therapeutic effects and benefits of music. Volunteers provide their own instrument. Volunteers must be interviewed by the Arts In Healing Coordinator.
Outpatient Rehab:
Greet patients, assist patients with forms, answer phones & maintain chart order. Locations in Creekside, GreenTree, and Bonita.
Pastoral Care Visitors:
Represent the Pastoral Care Department by visiting patients in the hospital. Must have had CPE training or been approved by the NCH Chaplain.
Patient Concierge:
Assist nursing staff in offering non-medical customer service to patients. In working closely with nursing staff, answer call bells at the nurse's station, conduct patient rounds, supply water/juice, set up patient trays, replace bedside supplies, de-clutter areas around the bedside, and offer reading material. Departments include: Cardiac Telemetry, Orthopedics, Med./Surg, and The Brookdale Center for Rehabilitation.
Pet Therapy:
Provide patients, visitors and staff with the therapeutic effects and benefits of pet visitation. Volunteers bring in their personal certified dog. Certain qualifications apply.
Assist with clerical and computer work, restock shelves. Must be certified in the State of Florida as a tech or higher; requires an interview by the Director of Pharmacy.
Surgical Services:
As directed by the nursing staff, obtain and put away supplies, clean stretchers, bring comfort items to patients & perform clerical functions as needed.
Hold, feed, and burp newborn patients in the NICU and in the Level 1 nursery. Must be year-round resident.
Escort and move patients (by wheelchair or stretcher) from their rooms to the desired hospital service area. This position requires volunteers to stand for a majority of their shift and push a stretcher/wheelchair.
Volunteer Office:
Volunteers act as a receptionist, greet public, answer phones, perform data entry, work on special projects & perform other general clerical work. Volunteers must be computer literate and have excellent customer service skills.
Wellness Center:
Assist staff with clerical functions, greets customers, and provides customer service.
White Elephant Thrift Shop:
Assist in the pricing and selling of merchandise at the thrift shop. Volunteers may display merchandise & clean/repair donated items. This position requires volunteers to stand for a majority of their shift. Volunteers must have excellent customer service skills.
NCH Downtown Naples Hospital
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tel: 239-624-5000
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tel: 239-552-7000
The NCH Healthcare System is a not-for-profit, multi-facility healthcare system located in Naples, Florida, United States. The System is more than just two hospitals (referred to as the NCH Downtown Naples Hospital, and NCH North Naples Hospital) with a total of 715 beds. The NCH Healthcare System is an alliance of 650 physicians and medical facilities in dozens of locations throughout Collier County and southwest Florida. The services offered by the NCH Healthcare System are extensive. Inpatient services include: medical, surgical, cardiac, orthopedic, obstetric, pediatric, rehabilitative, psychiatric, oncology, emergency treatment, and diagnostics. Outpatient services include: rehabilitation, home care, walk-in centers, wound healing, and more. This year the system had 37,284 admissions, 87,100 emergency room visits, 3,033 births, 416 open heart surgeries, 11,282 surgical procedures, and 3,000 employee colleagues. NCH is a member of the Mayo Clinic Care Network.
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text:
10 Ways to Look Younger Now
Discover easy makeup tricks that instantly turn back the clock
By Melissa Matthews Brown
How do I lift my droopy cheeks?
The fix: Put on liquid highlighter
Have you noticed that the supple skin that once plumped up your cheeks has now headed south for your jawline? Dont panic, heres the trick: Smile wide and use the tip of your ring finger (it applies the lightest pressure on delicate
aging skin) to gently tap liquid highlighter along your cheekbones, from just beyond the apples of your cheeks up toward your temples until you meet your hairline. The product contains light-reflecting particles that draw the eye upward and away from droopy jowls, explains celebrity makeup artist Laura Geller, owner of Laura Geller Makeup. Benefit Cosmetics High Beam, $26; Sephora.com.