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Headlines CFPB Expands the Definition of a Qualified Mortgage for Truth in Lending Purposes FDIC Adopts New Rules Regulating Parent Companies of Insured Industrial Banks Joint Guidance on Fintech Due Diligence Requirements for Community Banks to Come Other Developments: LIBOR Transition, Branch Applications, and SAR Filing Requirements 1. FDIC Modernizes Brokered Deposit Rule and Amends Interest Rate Restrictions The FDIC has adopted a final rule that establishes new standards for determining whether deposits made through certain kinds of arrangements with third parties qualify as brokered deposits, such as those between banks and financial technology (“fintech”) companies. The final rule approved on December 15 also amends the methodology for calculating the interest rate restrictions that apply to less than well capitalized banks by defining the “National Rate” as the weighted average of rates paid by all banks and credit unions on a given deposit product based on eac

United statesChristopher wrayMichellew bowmanBranch applicationsHealth savings accounts under sectionBank holding company actFederal reserveParent companies of insured industrial banksCommunity bankers of americaTechnology services handbookNational historic preservationHealth savingsNational rateNational environmental policyBrokered deposit ruleAmends interest rate