Office of Thrift Supervision

Closed for Comment

10/20/05 to 1/18/06

Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40)

Comments

January 26, 2006 - 8:35 AM

Comment Letter 54 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Washington Mutual Bank (Robinson), Seattle, WA

January 20, 2006 - 11:30 AM

Comment Letter 29 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Wachovia Bank (Truslow & Kelly)

January 20, 2006 - 8:36 AM

Comment Letter 8 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Guaranty Bank (Levy), Brown Deer, WI

January 18, 2006 - 12:06 PM

Comment Letter 35 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Mellon Financial Corp., Pittsburgh, PA

January 18, 2006 - 12:00 PM

Comment Letter 37 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), National Association of Home Builders (Crowe), Washington, DC

January 18, 2006 - 11:58 AM

Comment Letter 36 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Fair Isaac Corp. (Horan), Minneapolis, MN

January 18, 2006 - 11:54 AM

Comment Letter 34 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), SallieMae Corp. (Andrews), Reston, VA

January 18, 2006 - 11:52 AM

Comment Letter 33 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), New Jersey League of Community Bankers (Meredith), Cranford, NJ

January 18, 2006 - 11:50 AM

Comment Letter 32 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Institute of International Bankers (Uhlick), New York, NY

January 18, 2006 - 11:47 AM

Comment Letter 31 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), National Association of Realtors (Stevens), Chicago, IL

January 18, 2006 - 11:32 AM

Comment Letter 30 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Massachusetts Bankers Assn (Skarin), Boston, MA

January 18, 2006 - 11:28 AM

Comment Letter 28 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Guaranty Bank (Calcote), Austin, TX

January 18, 2006 - 11:15 AM

Comment Letter 27 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), World Savings (Daetz), Oakland, CA

January 18, 2006 - 11:14 AM

Comment Letter 26 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), State Street Bank Corp. (Gavell), Boston, MA

January 18, 2006 - 11:12 AM

Comment Letter 25 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), E Trade Bank (Buchman), Arlington, VA

January 18, 2006 - 11:07 AM

Comment Letter 24 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Illinois League of Financial Institutions (Stevenson), Illinois

January 18, 2006 - 9:30 AM

Comment Letter 23 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), American Bankers Assn (Smith & Strand), Washington, DC

January 18, 2006 - 9:30 AM

Comment Letter 22 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Financial Services Roundtable (Whiting), Washington, DC

January 18, 2006 - 9:29 AM

Comment Letter 21 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Risk Management Assn (Hartigan II), Philadephia, PA

January 18, 2006 - 9:28 AM

Comment Letter 20 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Mortgage Insurance Companies of America (Hutchinson), Washington, DC

January 18, 2006 - 9:27 AM

Comment Letter 19 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), HSBC North America Holdings Inc., Prospect Heights, IL

January 18, 2006 - 9:17 AM

Comment Letter 46 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Bank of America (Sawyer)

January 18, 2006 - 9:16 AM

Comment Letter 45 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Zions Bancorporation (Arnold), Salt Lake City, UT

January 18, 2006 - 9:15 AM

Comment Letter 44 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Capital One Financial Corp. (Curtis), McLean, VA

January 18, 2006 - 9:14 AM

Comment Letter 43 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Ohio Bankers League (Buskirk & Quayle), Columbus, OH

January 18, 2006 - 9:13 AM

Comment Letter 42 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Northern Trust (Schreuder), Chicago, IL

January 18, 2006 - 9:12 AM

Comment Letter 41 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Clearing House (Neubert), New York, NY

January 18, 2006 - 9:11 AM

Comment Letter 40 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), New York Banking Department (Taylor), New York NY

January 18, 2006 - 9:10 AM

Comment Letter 39 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), ING Direct (Bone), Delaware

January 18, 2006 - 9:09 AM

Comment Letter 38 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), PNC Financial Services Group (Dil), Pittsburhg, PA

January 18, 2006 - 8:50 AM

Comment Letter 18 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), European Banking Federation (Ravoet), Brussels, Belgium

January 18, 2006 - 8:49 AM

Comment Letter 17 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Conference of State Bank Supervisors (Milner), Washington, DC

January 18, 2006 - 8:47 AM

Comment Letter 15 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Financial Guardian Group (Petrou), Washington, DC

January 18, 2006 - 8:46 AM

Comment Letter 14 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), JP Morgan Chase (Cavanagh), New York NY

January 18, 2006 - 8:42 AM

Comment Letter 9 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Miller, Hamilton, Snider & Odom on Behalf of National Bank Group, Mobile, AL

January 18, 2006 - 8:33 AM

Comment Letter 7 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), NetBank (Hair), Columbia, SC

January 18, 2006 - 7:17 AM

Comment Letter 55 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Citigroup Inc., (Krawcheck), New York, NY

January 17, 2006 - 10:05 AM

Comment Letter 52 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), New South Federal Savings Bank (Couch), Birmingham, AL

January 17, 2006 - 9:23 AM

Comment Letter 51 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), 1st Bank (Franklin), Sidney, MT

January 17, 2006 - 8:45 AM

Comment Letter 13 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Charles Schwab (Lensing), San Francisco, CA

January 17, 2006 - 8:44 AM

Comment Letter 12 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), FNBC of LaGrange, Inc. (Madden), Hinsdale, IL

January 17, 2006 - 8:43 AM

Comment Letter 11 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Fremont Investment & Loan (Ehrnman), Brea, CA

January 17, 2006 - 8:43 AM

Comment Letter 10 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), America's Community Bankers (Davis), Washington, DC

January 16, 2006 - 8:48 AM

Comment Letter 16 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Sheshunoff, Alex, Santa Fe, NM

January 16, 2006 - 7:40 AM

Comment Letter 6 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), SunGard (Day, Elghanayan, etc), New York, NY

January 16, 2006 - 7:38 AM

Comment Letter 5 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Royal Bank of Scotland (Gossage), Edinburgh, Scotland

January 13, 2006 - 7:37 AM

Comment Letter 4 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Independent Community Bankers of America (Cole), Washington, DC

January 12, 2006 - 9:23 AM

Comment Letter 50 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Merrill Lynch (Hayward & Leiman), New York, NY

January 11, 2006 - 2:41 PM

Comment Letter 53 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Northwest Federal Savings Bank (Conover & Orrison), Spencer, IA

January 10, 2006 - 11:23 AM

Comment Letter 3 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), McHenry Savings Bank (Marinangel), McHenry, IL

January 10, 2006 - 9:22 AM

Comment Letter 49 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), McHenry Savings Bank (Marinagel), McHenry, IL

January 10, 2006 - 9:19 AM

Comment Letter 48 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Astoria Federal Savings (Finn), Lake Success, NY

January 9, 2006 - 8:14 AM

Comment Letter 2 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Institutional Risk Analytics (Whalen), Hawthorne, CA

January 6, 2006 - 9:18 AM

Comment Letter 47 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), AmSouth Bank (Willoughby), Birmingham, AL

November 3, 2005 - 8:14 AM

Comment Letter 1 - Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Domestic Capital Modifications -- Joint ANPR (2005-40), Alaska Pacific Bank (Robertson), Juneau, AK

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