Office of Thrift Supervision

Closed for Comment

10/27/08 to 11/26/08

Minimum Capital Ratios; Treatment of Certains Claims on, or Guaranteed by, the Federal National Mortgage Assn and the Federal Home Loan Mortgage Corp

Comments

December 18, 2008 - 4:04 PM
Comment Letter 152, U.S. Senate (Harkin; Chambliss), Washington, DC, 12/04/2008

Download Document
December 18, 2008 - 11:24 AM
Comment Letter 150, Cornerstone Bank (Matteo), Moorestown, NJ, 1/01/2008

Download Document
December 18, 2008 - 11:05 AM
Comment Letter 151, US House of Representatives (Peterson; Goodlatte), Washington, DC

Download Document
December 5, 2008 - 4:44 PM
Comment Letter 149, Berkshire Bank (Krausz), 11/25/2008

Download Document
December 5, 2008 - 4:42 PM
Comment Letter 148, Risk Management Association (DeMarco; Wharton), Philadelphia, PA, 11/25/2008

Download Document
December 5, 2008 - 4:40 PM
Comment Letter 147, Northwest Farm Credit Services (Tracy), Spokane, WA, 11/24/2008

Download Document
December 5, 2008 - 4:39 PM
Comment Letter 146, Saratoga National Bank & Trust Co (O'Conor), Saratoga Springs, NY, 11/24/2008

Download Document
December 5, 2008 - 4:37 PM
Comment Letter 145, Merchants State Bank (Dreessen), Freeman, SD, 11/24/2008

Download Document
December 5, 2008 - 4:34 PM
Comment Letter 144, Roma Bank (Zadworny), Robbinsville, NJ, 11/24/2008

Download Document
December 5, 2008 - 4:28 PM
Comment Letter 143, Hudson City Savings Bank (Hermance), Paramus, NJ, 11/2/2008

Download Document
December 5, 2008 - 4:23 PM
Comment Letter 142, Cape Bank (Hornsby), Cape May, NJ, 11/25/2008

Download Document
December 5, 2008 - 11:33 AM
Comment Letter 141, Pioneer Bank (Scarchilli), Troy, NY, 11/21/2008

Download Document
December 5, 2008 - 11:32 AM
Comment Letter 140, AXA Financial (Melone), New York, NY, 11/21/2008

Download Document
December 5, 2008 - 11:30 AM
Comment Letter 139, Maple City Savings Bank (Bertram), Hornell, NY, 11/20/2008

Download Document
December 5, 2008 - 11:29 AM
Comment Letter 138, Farm Credit of Western New York (Herring), Batavia, NY, 11/21/2008

Download Document
December 5, 2008 - 11:25 AM
Comment Letter 137, National Bank of New York City (Gelman), Flushing, NY, 11/19/2008

Download Document
December 5, 2008 - 11:24 AM
Comment Letter 136, Brookhaven Bank (Senior), Atlanta, GA, 11/19/2008

Download Document
December 5, 2008 - 11:20 AM
Comment Letter 135, Bank of Castile (Fulmer), Batavia, NY, 11/18/2008

Download Document
December 5, 2008 - 11:17 AM
Comment Letter 134, Somerset Hills Bank (Riker), Bernardsville, NJ, 11/18/2008

Download Document
December 5, 2008 - 11:15 AM
Comment Letter 133, First National Bank of Absecon (Gaupp), Absecon, NJ, 11/17/2008

Download Document
December 5, 2008 - 11:14 AM
Comment Letter 132, Pacific Community Credit Union (Pendergraft), Fullerton, CA, 11/18/2008

Download Document
December 5, 2008 - 11:06 AM
Comment Letter 131, Home Trust Bank (Vunannon), Asheville, NC, 11/17/2008

Download Document
December 5, 2008 - 11:05 AM
Comment Letter 130, Astoria Federal Savings (Engelke), Lake Success, NY, 11/04/2008

Download Document
December 3, 2008 - 5:12 PM
Comment Letter 129, Cenlar (Tornquist), Ewing, NJ, 11/21/2008

Download Document
December 3, 2008 - 5:10 PM
Comment Letter 128, NAPA Community Bank (Pedisich), Napa, CA, 11/17/2008

Download Document
December 3, 2008 - 5:08 PM
Comment Letter 127, Provident Bank (Strayton), Montebello, NY, 11/20/2008

Download Document
December 3, 2008 - 5:06 PM
Comment Letter 126, Massena Savings & Loan (Wilmshurst), Massena, NY, 11/17/2008

Download Document
December 3, 2008 - 5:05 PM
Comment Letter 125, First Capital Bank (Nance), Laurinburg, NC, 11/14/2008

Download Document
December 3, 2008 - 5:00 PM
Comment Letter 124, Bank Iowa (Vavra), Shenandoah, IA, 11/14/2008

Download Document
December 3, 2008 - 4:58 PM
Comment Letter 123, Eastern National Bank (Gonzalez), Miami, FL, 11/13/2008

Download Document
December 3, 2008 - 4:57 PM
Comment Letter 122, Carrollton Bank (Uveges), Baltimore, MD, 11/14/2008

Download Document
December 3, 2008 - 4:55 PM
Comment Letter 121, Signature Bank (DePaolo), New York, NY, 11/12/2008

Download Document
December 3, 2008 - 4:54 PM
Comment Letter 120, Nature Coast Bank (Mellini), Hernando, FL, 11/06/2008

Download Document
December 3, 2008 - 4:45 PM
Comment Letter 119, Farm Credit Administration (Strom), McLean, VA, 11/26/2008

Download Document
December 2, 2008 - 5:28 PM
Comment Letter 118, Yankee Farm Credit (Heath), White River Junction, VT, 11/26/2008

Download Document
December 2, 2008 - 5:23 PM
Comment Letter 117, Farm Credit System Insurance Corporation (Pellett), McLean, VA, 11/26/2008

Download Document
December 2, 2008 - 5:12 PM
Comment Letter 116, CoBank (Jackson), Denver, CO, 11/25/2008

Download Document
December 2, 2008 - 5:10 PM
Comment Letter 115, Federal Home Loan Bank of Pittsburgh (Price), Pittsburgh, PA, 11/24/2008

Download Document
December 2, 2008 - 5:06 PM
Comment Letter 114, Louisiana Land Bank (Jans), Monroe, LA, 11/24/2008

Download Document
December 2, 2008 - 5:03 PM
Comment Letter 113, AgTexas Farm Credit Services (Harris), Lubbock, TX, 11/26/2008

Download Document
December 2, 2008 - 5:01 PM
Comment Letter 112, Farm Credit Services of America (Stark, Hall), Omaha, NE, 11/26/2008

Download Document
December 2, 2008 - 4:59 PM
Comment Letter 111, Nevada H.A.N.D., Inc. (Haas), Las Vegas, NV, 11/25/2008

Download Document
December 2, 2008 - 4:56 PM
Comment Letter 110, Pennsylvania Association of Community Bankers (Bailey), Harrisburg, PA, 11/17/2008

Download Document
December 2, 2008 - 4:36 PM
Comment Letter 109, American Bankers Association (McTighe), Washington, DC, 11/26/2008

Download Document
December 2, 2008 - 4:35 PM
Comment Letter 108, Federal Home Loan Bank of Indianapolis (Miller), Indianapolis, IN, 11/25/2008

Download Document
December 1, 2008 - 11:47 AM
Comment Letter 107, Wiber National Bank (Gulotty), Oneonta, NY, 11/17/2008

Download Document
December 1, 2008 - 11:45 AM
Comment Letter 106, First Niagara (Harrington), Lockport, NY, 11/19/2008

Download Document
December 1, 2008 - 11:44 AM
Comment Letter 105, Empire National Bank (Manditch), Islandia, NY, 11/18/2008

Download Document
December 1, 2008 - 11:43 AM
Comment Letter 104, Empire National Bank (Buonaiuto), Islandia, NY, 11/18/2008

Download Document
December 1, 2008 - 11:41 AM
Comment Letter 103, Signature Bank (Vickers), Sandy Springs, GA, 11/14/2008

Download Document
December 1, 2008 - 11:40 AM
Comment Letter 102, New York Community Bancorp, Inc. (Ficalora), Westbury, NY, 11/18/2008

Download Document
December 1, 2008 - 11:38 AM
Comment Letter 101, Delaware Bankers Association (Bakerian), Dover, DE, 11/18/2008

Download Document
December 1, 2008 - 11:36 AM
Comment Letter 100, Farm Credit Bank of Texas (Hill), Austin, TX, 11/21/2008

Download Document
December 1, 2008 - 11:32 AM
Comment Letter 99, U.S. AGBANK (Rhodes), Wichita, KS, 11/25/2008

Download Document
December 1, 2008 - 11:28 AM
Comment Letter 98, AGSTAR Financial Services (Hoelmer), Mankato, MN, 11/24/2008

Download Document
December 1, 2008 - 11:26 AM
Comment Letter 97, First Pioneer Farm Credit (Lipinski), Enfield, CT, 11/21/2008

Download Document
December 1, 2008 - 11:25 AM
Comment Letter 96, Home Bancshares (Mayor), Conway, AR, 11/07/2008

Download Document
December 1, 2008 - 11:23 AM
Comment Letter 95, Union Bankshares Corporation (Lane), Bowling Green, VA, 11/06/2008

Download Document
December 1, 2008 - 11:22 AM
Comment Letter 94, Mortgage Bankers Association (Courson), Washington, DC, 11/25/2008

Download Document
December 1, 2008 - 11:20 AM
Comment Letter 93, Federal Home Loan Bank of San Francisco (Schultz), San Francisco, CA, 11/26/2008

Download Document
November 26, 2008 - 2:58 PM
Comment Letter 92, Federal Housing Finance Agency (Lockhart), Washington, DC, 11/26/2008

Download Document
November 26, 2008 - 2:57 PM
Comment Letter 91, Bank of America (Sawyer), 11/26/2008

Download Document
November 26, 2008 - 2:55 PM
Comment Letter 90, Farm Credit Council (Dana), Washington, DC, 11/24/2008

Download Document
November 26, 2008 - 1:36 PM
Comment Letter 89. Federal Home Loan Bank of Boston (Jessee), Bolston, MA, 11/26/2008

Download Document
November 26, 2008 - 1:34 PM
Comment Letter 88, Bank of Sacramento (Popovich), Sacramento, CA, 11/21/2008

Download Document
November 26, 2008 - 1:33 PM
Comment Letter 87, California Community Economic Development Assn (Lippman), Los Angeles, CA, 11/25/2008

Download Document
November 26, 2008 - 1:31 PM
Comment Letter 86, Federal Home Loan Bank of Dallas (Smith), Irving, TX, 11/25/2008

Download Document
November 26, 2008 - 1:29 PM
Comment Letter 85, Mortgage Insurance Companies of America (Hutchinson), Washington, DC, 11/26/2008

Download Document
November 26, 2008 - 1:28 PM
Comment Letter 84, JP Morgan Chase & Co. (Gilbert), New York, NY, 11/25/2008

Download Document
November 26, 2008 - 1:26 PM
Comment Letter 83, New York Bankers Assn (Smith), New York, NY, 11/21/2008

Download Document
November 21, 2008 - 3:01 PM
Comment Letter 82, First State Bank and Strust Company, Inc. (Waller), Caruthersville, MO, 11/13/2008

Download Document
November 21, 2008 - 2:57 PM
Comment Letter 81, First State Bank and Trust Company, Inc. (Michie), Caruthersville, MO, 11/13/2008

Download Document
November 21, 2008 - 2:55 PM
Comment Letter 80, Farmers State Bank (Bormann), Stickney, SD, 11/13/2008

Download Document
November 21, 2008 - 2:54 PM
Comment Letter 79, Reliance Bank (Jasper), Ft. Myers, FL, 11/10/2008

Download Document
November 21, 2008 - 2:52 PM
Comment Letter 78, First National Bank (Jeffords), Shelby, NC, 11/13/2008

Download Document
November 21, 2008 - 2:47 PM
Comment Letter 77, South Carolina Bankers Assn (Rashley), Columbia, SC, 11/14/2008

Download Document
November 21, 2008 - 2:45 PM
Comment Letter 76, Decorah Bank & Trust Co. (Muhlbauer), Decorah, IA, 11/13/2008

Download Document
November 21, 2008 - 2:39 PM
Comment Letter 75, Desert Community Bank (Howard), Las Vegas, NV, 11/13/2008

Download Document
November 21, 2008 - 2:37 PM
Comment Letter 74, First United Security Bank (Phillips), Thomasville, AL, 11/13/2008

Download Document
November 21, 2008 - 2:35 PM
Comment Letter 73, MidSouth Bank (Sanders), Dothan, AL, 11/06/2008

Download Document
November 20, 2008 - 6:09 PM
Comment Letter 72, Abbeville Savings & Loan (Duncan), Abbeville, SC, 11/06/2008

Download Document
November 20, 2008 - 6:07 PM
Comment Letter 71, Abbeville Savings & Loan (Cook), Abbeville, SC, 11/06/2008

Download Document
November 20, 2008 - 6:04 PM
Comment Letter 70, KS Bank, Inc. (Worley), Smithfield, NC, 11/07/2008

Download Document
November 20, 2008 - 6:02 PM
Comment Letter 69, KS Bank, Inc. (Keen), Smithfield, NC, 11/07/2008

Download Document
November 20, 2008 - 6:00 PM
Comment Letter 68, Reliance Bank (Reynolds), Ft. Myers, FL, 11/07/2008

Download Document
November 20, 2008 - 5:58 PM
Comment Letter 67, Jacobowitz and Gubits (Jacobowitz), Walden, NJ, 11/12/2008

Download Document
November 20, 2008 - 5:56 PM
Comment Letter 66, F&M Bank and Trust Co. (Sharp), Hannibal, MO, 11/13/2008

Download Document
November 20, 2008 - 4:28 PM
Comment Letter 65, Council of Federal Home Loan Banks (von Seggern), Washington, DC, 11/20/2008

Download Document
November 20, 2008 - 4:26 PM
Comment Letter 64, Federal Farm Credit Banks Funding Corp. (Stewart)

Download Document
November 20, 2008 - 11:28 AM
Comment Letter 63, First State Bank and Trust Co., Inc. (Raney), Portageville, MO, 11/13/2008

Download Document
November 20, 2008 - 11:26 AM
Comment Letter 62, Farmers State Bank (Teel), Stickeny, SD, 11/13/2008

Download Document
November 20, 2008 - 11:24 AM
Comment Letter 61, First State Bank (Henderson), Ft. Payne, AL, 11/12/2008

Download Document
November 20, 2008 - 11:23 AM
Comment Letter 60, Carolina Premier Bank (Kreighbaum), Charlotte, NC, 11/12/2008

Download Document
November 20, 2008 - 11:21 AM
Comment Letter 59, Noble Bank & Trust (Humphries), Anniston, AL, 11/10/2008

Download Document
November 20, 2008 - 11:20 AM
Comment Letter 58, American River HealthPro Credit Union (Steponovich) Sacramento, CA, 11/13/2008

Download Document
November 20, 2008 - 11:17 AM
Comment Letter 57, Bank of Tucson (Hannley, Tucson, AZ, 11/17/2008

Download Document
November 20, 2008 - 11:14 AM
Comment Letter 56, Federal Home Loan Bank of Atlanta (Spencer), Atlanta, GA, 11/07/2008

Download Document
November 20, 2008 - 11:11 AM
Comment Letter 55, Federal Home Loan Bank of Des Moines (Guttau), Des Moines, IA, 11/12/2008

Download Document
November 19, 2008 - 4:14 PM
Comment Letter 54, First National Bank of Jeffersonville (Walter), Jeffersonville, NY, 11/10/2008

Download Document
November 19, 2008 - 4:13 PM
Comment Letter 53, Carver Federal Savings Bank (Wright), New York, NY, 11/10/2008

Download Document
November 19, 2008 - 4:12 PM
Comment Letter 52, Prime South Bank (Taylor), Blackshear, GA, 11/10/2008

Download Document
November 19, 2008 - 4:10 PM
Comment Letter 51, State Bank of Long Island (O'Brien), Jericho, NY, 11/07/2008

Download Document
November 19, 2008 - 4:08 PM
Comment Letter 50, Homewood Federal Savings Bank ()Schott), Baltimore, MD, 11/12/2008

Download Document
November 19, 2008 - 4:06 PM
Comment Lertter 49, Manasquan Savings Bank (Brown), Wall Township, NJ, 11/11/2008

Download Document
November 19, 2008 - 4:05 PM
Comment Letter 48, Columbia Bank (Bond), Columbia, MD, 11/06/2008

Download Document
November 19, 2008 - 4:02 PM
Comment Letter 47, Bank of Marion (Snodgrass), Marion, VA, 11/06/2008

Download Document
November 19, 2008 - 4:00 PM
Comment Letter 46, Tioga State Bank (Fisher), Spencer, NY, 11/07/2008

Download Document
November 19, 2008 - 3:40 PM
Comment Letter 45, Community First Bank (Cole), Charleston, SC, 11/07/2008

Download Document
November 19, 2008 - 3:35 PM
Comment Letter 44, Peoples Bancorporation, Inc. (Ridgeway), Easley, SC, 11/07/2008

Download Document
November 19, 2008 - 3:27 PM
Comment Letter 43, First National Bank of Dryden (Denniston), Dryden, NY, 11/07/2008

Download Document
November 19, 2008 - 3:22 PM
Comment Letter 42, Community Services Agency & Development Corp. (Phillips), Reno, NV, 11/17/2008

Download Document
November 19, 2008 - 3:20 PM
Comment Letter 41, EastWest Bank (Ng), Pasadena, CA, 11/18/2008

Download Document
November 18, 2008 - 12:38 PM
Comment Letter 40, Provident Bank (Blunden), Riverside, CA, 11/13/2008

Download Document
November 18, 2008 - 12:36 PM
Comment Letter 39, First South Bank (Wall), Washington, NC, 11/j06/2008

Download Document
November 18, 2008 - 12:34 PM
Comment Letter 38, EverBank (Smiley), Jacksonville, FL, 11/07/2008

Download Document
November 18, 2008 - 12:30 PM
Comment Letter 37, North Arundel Savings Bank (Thomas), Pasadena, MD, 11/06/2008

Download Document
November 18, 2008 - 12:28 PM
Comment Letter 36, Greer State Bank (Medlock), Greer, SC, 11/06/2008

Download Document
November 18, 2008 - 12:23 PM
Comment Letter 35, Flushing Savings Bank (Buran), Lake Success, NY, 11/04/2008

Download Document
November 17, 2008 - 2:01 PM
Comment Letter 34, Superior Bank (Scott), Birmingham, AL, 11/06/2008

Download Document
November 17, 2008 - 1:59 PM
Comment Letter 33, Citizens Bank of Winfield (Carothers), Winfield, AL, 11/0/2008

Download Document
November 17, 2008 - 1:57 PM
Comment Letter 32, Walden Federal (Gibney), Walden, NY, 11/06/2008

Download Document
November 17, 2008 - 1:53 PM
Comment Letter 31, Franklin Federal Savings and Loan (Wheeler), Glen Allen, VA, 11/07/2008

Download Document
November 17, 2008 - 1:50 PM
Comment Letter 30, Reliance Bank (Tate), Ft. Myers, FL, 11/07/2008

Download Document
November 17, 2008 - 1:48 PM
Comment Letter 29, United Bank (Jones), Atmore, AL, 11/06/2008

Download Document
November 17, 2008 - 11:43 AM
Comment Letter 28, First Community Bank of America (McClelland), Pinellas Park, FL, 11/07/2008

Download Document
November 17, 2008 - 11:40 AM
Comment Letter 27, Community Bank of Florida (Epling), Homestead, FL, 11/06/2008

Download Document
November 17, 2008 - 11:38 AM
Comment Letter 26, Keystone Bank (Gittings), Auburn, AL, 11/06/2008

Download Document
November 17, 2008 - 11:36 AM
Comment Letter 25, Central Florida State Bank (Green), Belleview, FL, 11/09/2008

Download Document
November 17, 2008 - 11:34 AM
Comment Letter 24, Woodsboro Bank (Miller), Woodsboro, MD, 11/06/2008

Download Document
November 17, 2008 - 11:28 AM
Comment Letter 23, First National Bank of Pasco (Roberts), Dade City, FL, 11/06/2008

Download Document
November 17, 2008 - 11:27 AM
Comment Letter 22, Madison Bohemian Savings Bank (Zimmerman), Forest Hill, MD, 11/07/2008

Download Document
November 17, 2008 - 11:25 AM
Comment Letter 21, Vigilant Federal (Eyet), Baltimore, MD, 11/06/2008

Download Document
November 17, 2008 - 11:23 AM
Comment Letter 20, First Bank of Elmer (Carll), Elmer, NJ, 11/05/2008

Download Document
November 17, 2008 - 11:22 AM
Comment Letter 19, Magyar Bank (Hance), New Brunswick, NJ, 11/05/2008

Download Document
November 17, 2008 - 11:20 AM
Comment Letter 18, Southern Independent Bank (Adams), Opp, AL, 11/06/2008

Download Document
November 17, 2008 - 11:18 AM
Comment Letter 17, Robertson Banking Co. (Reynolds), Demopolis, AL, 11/06/2008

Download Document
November 14, 2008 - 4:58 PM
Comment Letter 16, Executive National Bank (Safie), Miami, FL, 11/06/2008

Download Document
November 14, 2008 - 4:57 PM
Comment Letter 15, Bank of North Carolina (Montgomery), Thomasville, NC, 11/06/2008

Download Document
November 14, 2008 - 4:56 PM
Comment Letter 14, Exchange Bank (Gunn), Milledgeville, GA, 11/06/2008

Download Document
November 14, 2008 - 4:54 PM
Comment Letter 13, Peoples Bank (Lampron), Newton, NC, 11/06/2008

Download Document
November 14, 2008 - 4:53 PM
Comment Letter 12, Oneida Savings (Kallett), Oneida, NY, 11/04/2008

Download Document
November 14, 2008 - 4:51 PM
Comment Letter 11, Investors Savings Bank (Cummings), Short Hills, NJ, 11/05/2008

Download Document
November 14, 2008 - 4:50 PM
Comment Letter 10, Central Jersey Bank (Vaccaro), Oakhurst, NJ, 11/05/2008

Download Document
November 14, 2008 - 4:49 PM
Comment Letter 9, Bridgehampton National Bank (O'Connor), Bridgehampton, NY, 11/04/2008

Download Document
November 14, 2008 - 4:45 PM
Comment Letter 8, Ridgewood Savings Bank (McGarry), Ridgewood, NY, 11/04/2008

Download Document
November 14, 2008 - 4:34 PM
Comment Letter 7, Peoples Bank (The)(Stevenson), Chestertown, MD, j11/06/2008

Download Document
November 14, 2008 - 4:32 PM
Comment Letter 6, Fulton Savings Bank (Pollock), Fulton, NY, 11/04/2008

Download Document
November 14, 2008 - 4:31 PM
Comment Letter 5, Two River Community Bank (Moss), Middletown, NJ, 11/04/2008

Download Document
November 14, 2008 - 4:29 PM
Comment Letter 4, Beacon Federal Bancorp (Prossner), Syracuse, NY, 11/04/2008

Download Document
November 13, 2008 - 4:37 PM
Comment Letter 3, Federal Home Loan Bank of Topeka (Jetter), Topeka, KS, 11/12/2008

Download Document
November 13, 2008 - 4:35 PM
Comment Letter 2, Federal Home Loan Bank of New York (DelliBovi), New York, NY, 11/04/2008

Download Document
October 28, 2008 - 5:35 PM
Comment Letter 1, First National Bank of the Rockies (Walker), Grand Junction, CO, 10/08/2008

Download Document
Comments to Proposed Thrift Financial Report Changes