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Supervisory Insights
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Winter 2012
Supervisory Insights is published by the FDIC’s Division of Risk Management Supervision to promote sound principles and best practices for bank supervision.
Articles in the Winter 2012 issue include:
- Mobile Payments: An Evolving Landscape
Mobile payments have the potential to significantly change how consumers pay for goods and services. As is the case with any new banking product or service, the use of mobile payments challenges banks to deploy the product effectively and in a way that complies with existing laws and regulations. This article describes the mobile payments marketplace and examines critical issues, including the adequacy of legal protections and disclosures received by consumers.
- High-Yield Checking Accounts: Know the Rules
To attract depositors, banks may offer high-yield checking accounts. However, the promotions associated with these accounts could be misleading or inaccurate. This article reviews the features of high-yield checking accounts and the problematic disclosures that may accompany their promotion. The article also highlights examination best practices that can help ensure a bank is providing customers with clear and unambiguous account information.
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