Problem Bank Training

What is a problem bank? • A financial institution with a composite rating of 3, 4, or 5 • A financial institution under an enforcement action • Not to be confused with “Troubled Bank”

Brief recent history of crisis and bank regulation The Great Depression • The Banking Act of 1933 • The Security and Exchange Act of 1934 • The Banking Act of 1935 The 1980’s • Depository Institutions Deregulation and Monetary Control Act of 1980 • Competitive Equality Banking Act of 1987

• Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA) • Federal Deposit Insurance Corporation Improvement Act (FDICIA) of 1991 The Great Recession • Dodd-Frank Wall Street Reform and Consumer Protection Act 2010