Title 12 was last amended 2/27/2023. It is not an official legal edition of the CFR. Similarly, directors and officers of affiliates, subsidiaries or joint ventures of an IDI or its holding company will be covered if they participate in the affairs of the IDI or are in a position to influence or control the management or affairs of the insured institution. Either the form or the letter containing the notice information must be submitted to the regional director - Division of Risk Management Supervision (RMS) of the region in which the institution's main office is located. of Depositor and Consumer Protection, Division of Information Section 19 does not cover acquittals or any conviction that has been reversed on appeal, unless the reversal was for the purpose of re-sentencing. The eCFR is displayed with paragraphs split and indented to follow Box 506576 UAE Tel: +971.4.4258200, Financial Centre 2 King Edward Street Mailcode: EC1A 1HQ London, United Kingdom Tel: +44.0.20.7628.1000. (c) If there is a conviction or program entry covered by the bar of section 19, an application under this subpart must be filed seeking the FDIC's consent to become, or to continue as, an IAP; to own or control, directly or indirectly, an IDI; or to otherwise participate, directly or indirectly, in the affairs of the IDI. You can The FDIC's application forms as well as additional information concerning section 19 can be accessed at the FDIC's regional offices or on the FDIC's website. reports also allege that the FDIC may be abusing its supervisory powers to is unlawful or impermissible for FDIC-supervised banks to do business with A separate drafting site . What constitutes a pretrial diversion or similar program (program entry) under section 19? or existing codification. 816-889-3400. Organization and Purpose The Federal Deposit Insurance Corporation (FDIC) is an independent agency created by the Congress to maintain stability and public confidence in the nation's financial system. Program entries prior to November 29, 1990, are not covered by section 19. A lock coordination, flexibility, and consistency, would apply to any state chartered bank. (b) Purpose. is available with paragraph structure matching the official CFR Jersey, New York, Pennsylvania, Puerto Rico, Virgin (eg: important initiatives, and more. What are the types of applications that can be filed? 85 FR 51319, Aug. 20, 2020, unless otherwise noted. affected parties and protected whistleblower communications alleging the FDIC 303.227 When is an application not required for a covered offense or program entry (de minimis offenses)? This is an automated process for Member FDIC. Background and more details are available in the the hierarchy of the document. (a) The conviction or program entry must be for a criminal offense involving dishonesty, breach of trust, or money laundering. (iv) If there are two de minimis offenses under this section, each conviction or program entry was entered at least three years prior to the date an application would otherwise be required, or at least 18 months prior to the date an application would otherwise be required if the actions that resulted in the conviction or program entry all occurred when the individual was 21 years of age or younger. site when drafting amendatory language for Federal regulations: will bring you directly to the content. Branches and Agencies of Foreign Banks, Form FFIEC 002. to question their review of a loan made by a bank to a crypto-related company No conviction or program entry for a violation of the Title 18 sections set out in 12 U.S.C. (eg: What will the FDIC do if the application is denied? Box 49295 Vancouver, British Columbia V7X 1L3. In (4) Computer-security incident is an occurrence that results in actual harm to the confidentiality, integrity, or availability of an information system or the information that the system processes, stores, or transmits. Such an adjudication does not constitute a matter covered under section 19 and is not a conviction or program entry for determining the applicability of 303.227. Trading in securities and financial instruments, and strategic advisory, and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation ("Investment Banking Affiliates"), including, in the United States, BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp., both of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities. Real Estate. An official website of the United States government. Technology, Division of Insurance (3) Business line means a product or service offered by a banking organization to serve its customers or support other business needs. (a) Authority. 1817(a)(12) to allow reduced reporting for a covered depository institution when such institution makes its reports of condition for the first and third calendar quarters of a year. Profile, FDIC Academic 64106-2180, Iowa, Kansas, Minnesota, Missouri, Nebraska, North user convenience only and is not intended to alter agency intent BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA. Pursuant to section 7(a) of the Federal Deposit Insurance Act (12 U.S.C. "According to whistleblower communications that we have corroborated, personnel in the FDIC's Washington, D.C., headquarters are urging FDIC regional offices to send letters to multiple banks . Secure .gov websites use HTTPS (a) The FDIC will inform the applicant in writing that the application has been denied and summarize or cite the relevant considerations specified in 303.229 of this subpart. changes for banks, and get the details on upcoming conferences and events. for more information after learning that the Federal Deposit The site is secure. Offices, 550 17th Street, NW, Washington, DC 20429, Virginia Square, L. William Seidman Center - 3501 Fairfax Among the building's inaugural . (b) For purposes of this subpart, the following definitions apply. (b) When a covered offense either is reduced by a program entry to an offense that would otherwise not be covered by section 19 or is dismissed upon successful completion of a program entry, the covered offense remains a covered offense for purposes of section 19. result, it may not include the most recent changes applied to the CFR. nothing unusual about this loan (other than that it was to a crypto-related learn more about the process here. The FDIC Call Center will direct your call. (b) Whether a crime involves dishonesty, breach of trust, or money laundering will be determined from the statutory elements of the offense itself or from court determinations that the statutory provisions of the offense involve dishonesty, breach of trust, or money laundering. information or personal data. General, Deputy to the (3) Convictions or program entries for small-dollar, simple theft. Dishonesty includes acts involving want of integrity, lack of probity, or a disposition to distort, cheat, or act deceitfully or fraudulently, and includes offenses that Federal, state or local laws define as dishonest. The definition is not intended to include any of the following: (i) Persons on probation or parole who may be restricted to a particular jurisdiction, or who must report occasionally to an individual or to a specified location; (ii) Persons who are restricted to a substance-abuse treatment program facility for part or all of the day; and. (e) Total consolidated assets means total assets as reported in an insured depository institution's report of condition. the official website and that any information you provide is Dakota, South Dakota, Kansas Client Services Section, Regional Manager, 350 Fifth Avenue, Suite 1200, New York, NY According 1829(d) and (e). The FDIC uses the reported data to calculate deposit insurance assessments and monitor the condition, performance, and risk profile of individual insured branches and the banking industry. here. The Office of the Federal Register publishes documents on behalf of Federal agencies but does not have any authority over their programs. Breach of trust means a wrongful act, use, misappropriation, or omission with respect to any property or fund that has been committed to a person in a fiduciary or official capacity, or the misuse of one's official or fiduciary position to engage in a wrongful act, use, misappropriation, or omission. (d) Non-qualifying convictions or program entries. Notwithstanding 304.13, the Corporation, in consultation with the applicable state chartering authority, may require an otherwise eligible covered depository institution to file the FFIEC 041 version of the report of condition, or any successor thereto, based on an institution-specific determination. . The FDICs headquarters reportedly File Format: . Tel: +32 2 401 87 42 and +32 2 401 87 41. notorious Operation Choke Point, which sought to coerce banks into denying One of the Federal Deposit Insurance Corp.'s six regional offices will be staying put in its current space for a while. The report forms and the instructions for completing the reports will be furnished to all such institutions by, or may be obtained upon request from, the Division of Insurance and Research (DIR), FDIC, 550 17th Street NW, Washington, DC 20429. Chairman and Chief Financial Officer, Chief Information 1463, 1811, 1813, 1817, 1819, and 1861-1867. . (a) Except as modified in this subpart, or unless the context otherwise requires, the terms used in this subpart have the same meanings as set forth in 12 U.S.C. By Federal Deposit Insurance Corporation (FDIC) Press Releases [PDF-43.93 KB] CITE. Updated: March 1, 2023. Communications, Office of Legislative Form 8020/05 is a report on the amount of deposits for each authorized office of an insured depository institution with branches; institutions with only a main office are exempt from reporting. government site. Browse our Regional directors. States covered by each FDIC Regional Office can be located on the FDIC's website. Officer/Chief Privacy Officer, Division (b) Foreign country refers to one or more foreign nations, and includes the overseas territories, dependencies, and insular possessions of those nations and of the United States. This section comes from a combination of 308.157 and the SOP. This document is available in the following developer friendly formats: Information and documentation can be found in our (1) Age of person at time of covered offense. Claim this business (214) 754-0098. 1 CFR 1.1 Search & Navigation Nothing in this part shall be construed to limit the Corporation's authority to obtain information from insured depository institutions. It is my profiles, working papers, and state banking performance Federal government websites often end in .gov or .mil. are urging its regional offices to request that. encrypted and transmitted securely. Transformative solutions to grow your business, the global footprint to power your operations, and the commitment to shared success leading to a better future for all. Business Services NEC. Regional Office. No: 185 Kanyon Office Building 11th Floor 34394 Levent Istanbul, Turkey Tel: +90.212.3199500, Dubai International Financial Centre, UAE, Gate Village 6 Second Floor P.O. Secure .gov websites use HTTPS Ombudsman, Office of Risk This is an automated process for here. (b) In addition, the law bars an IDI from permitting such a person to engage in any conduct or to continue any relationship prohibited by section 19. Challenge, Quarterly Banking Profile for Fourth Quarter 2022, Quarterly Banking Profile for Third Quarter 2022, FDIC Releases 2021 National Survey of Unbanked and Underbanked Households, Financial Return to top. Uncovering powerful insights that move business and society forward. This document is available in the following developer friendly formats: Information and documentation can be found in our Institution Letters, Policy raises important questions.. (6) In determining whether an insured depository institution meets the asset threshold in paragraph (1) of the definition of covered depository institution in paragraph (a)(1) of this section, for purposes of a report required to be submitted for calendar year 2021, an insured depository institution may refer to the lesser of its total consolidated assets as reported in its report of condition as of December 31, 2019, and its total consolidated assets as reported in its report of condition for the second calendar quarter of 2020. or existing codification. The federal banking oversight agency has re-upped for 102,619 square feet at Ten 10 th Street in Atlanta's Midtown submarket, the building's owner, Parkway Properties Inc., said Monday. services to legal yet politically disfavored businesses, it is important to Wells Fargo Bank, N.A. This web site is designed for the current versions of Rhode Island, Vermont, 300 South Riverside Plaza, Suite 1700, Chicago, IL If an IDI does not file an application regarding an individual, the individual may file a request for a waiver of the institution filing requirement. Fact Sheets, Deputy to the 303.229 How an application is evaluated. encrypted and transmitted securely. In addition, many forms and instructions can be obtained from FDIC regional offices. Reporting banks must also submit annually such information on small business and small farm lending as the FDIC may need to assess the availability of credit to these sectors of the economy. 1817(a)(12)) and section 9 (12 U.S.C. Background and more details are available in the Before All assets and liabilities, including contingent assets and liabilities, must be reported in, or otherwise taken into account in the preparation of, the Call Report. Paseo Carlos Della Paolera 265, piso 11 CP C1101ADA Buenos Aires, Argentina Tel: +5411.4317.3500 Fax: +5411.4317.3592, Av. What offenses are covered under section 19? This subpart applies to an insured depository institution, as that term is defined in section 3(c) of the Federal Deposit Insurance Act, 12 U.S.C. Under the same standards, a person will be deemed to own an IDI if that person owns 25 percent or more of the institution's voting stock, or 10 percent of the voting shares if no other person owns more. (a) Authority. If you have comments or suggestions on how to improve the www.ecfr.gov website or have questions about using www.ecfr.gov, please choose the 'Website Feedback' button below. View the most recent official publication: These links go to the official, published CFR, which is updated annually. sharing sensitive information, make sure youre on a federal If you have questions for the Agency that issued the current document please contact the agency directly. 10 10th Street NE, Suite 800, Atlanta, GA 30309-3849, Alabama, Florida, Georgia, North Carolina, South them., Read Ranking Member Share sensitive information only on official, secure websites. 95661, FDIC-Insured Institutions Reported Net Income of $68.4 Billion in Fourth Quarter 2022, Agencies Issue Joint Statement on Liquidity Risks Resulting from Crypto-Asset Market Vulnerabilities, FDIC Demands Four Entities Cease Making False or Misleading Representations about Deposit (a) A program entry is characterized by a suspension or eventual dismissal or reversal of charges or criminal prosecution upon agreement, whether formal or informal, by the accused to treatment, rehabilitation, restitution, or other non-criminal or non-punitive alternatives. The Federal Deposit Insurance Corporation (FDIC) is an independent agency created by the Congress to maintain stability and public confidence in the nation's financial system. The purpose of an application is to provide the applicant an opportunity to demonstrate that, notwithstanding the bar, a person is fit to participate in the conduct of the affairs of an IDI without posing a risk to its safety and soundness or impairing public confidence in that institution. IDIs should file with the FDIC's regional office where the institution's home office is located, and any individual waiver and application should be filed with the FDIC's regional office where the person lives. history, career opportunities, and more. Convictions or program entries based on the simple theft of goods, services, or currency (or other monetary instrument) shall be considered de minimis offenses under this provision if the following conditions apply. The smaller field offices report to regional offices. FDIC-supervised IDIs may extend a conditional offer of employment contingent on the completion of a background check satisfactory to the institution and to determine if the applicant is barred under section 19, but the job applicant may not work for, be employed by, or otherwise participate in the affairs of the IDI until the IDI has determined that the applicant is not barred under section 19. In determining the degree of risk, the FDIC will consider: (1) Whether the conviction or program entry is for a criminal offense involving dishonesty, breach of trust, or money laundering and the specific nature and circumstances of the offense; (2) Whether the participation directly or indirectly by the person in any manner in the conduct of the affairs of the IDI constitutes a threat to the safety and soundness of the institution or the interests of its depositors or threatens to impair public confidence in the institution; (3) Evidence of rehabilitation including the person's age at the time of the covered offense, the amount of time that has elapsed since the occurrence of the conviction or program entry, and the person's employment history and full legal history; (4) The position to be held or the level of participation by the person at an IDI; (5) The amount of influence the person will be able to exercise over the operation, management, or affairs of an IDI; (6) The ability of management of the IDI to supervise and control the person's activities; (7) The level of ownership or control the person will have at an insured depository institution; (8) The applicability of the IDI's fidelity bond coverage to the person; and. This subpart is issued pursuant to 12 U.S.C. 1817(j)(8)(A). An adjudication by a court against a person as a youthful offender under any youth-offender law applicable to minors as defined by state law, or any judgment as a juvenile delinquent by any court having jurisdiction over minors as defined by state law, does not require an application. or https:// means youve safely connected to the .gov website. The burden is upon the applicant to establish that the application warrants approval. 304.24 Bank service provider notification. The data can be used to identify and analyze long term trends and to develop benchmarks to evaluate the current conditions of the banking and thrift industries. Square de Mees 38-40. Organization and Purpose 1813(u), and others who are participants in the conduct of the affairs of an IDI. (a) Section 19 covers IAPs, as defined by 12 U.S.C. "Published Edition". these companies. chapter 35. business activities. business activities. contact the publishing agency. A person will be deemed to exercise control if that person has the power to vote 25 percent or more of the voting shares of an IDI (or 10 percent of the voting shares if no other person has more shares) or the ability to direct the management or policies of the institution. A banking organization must notify the appropriate FDIC supervisory office, or an FDIC-designated point of contact, about a notification incident through email, telephone, or other similar methods that the FDIC may prescribe. The Office of Inspector General (OIG) presents its annual assessment of the Top Management and Performance Challenges facing the Federal Deposit Insurance Corporation (FDIC). Chairman and Chief Operating Officer, Deputy to the Enhanced content is provided to the user to provide additional context. (b) Report of Assets and Liabilities of U.S. Title 12 was last amended 2/27/2023. 534 Dirksen Senate Office BuildingWashington, D.C. 20510(202) 224-7391, U.S. Senate Banking Committee Member Pat Toomey (R-Pa.) is, According Whistleblower (a) Institution filing requirement (bank-sponsored applications). 10118-0110, Delaware, District of Columbia, Maryland, New citations and headings . A separate drafting site (2) Convictions or program entries for insufficient funds checks. 304.2 Where to obtain forms and instructions. 1601-1607. https://www.ecfr.gov/current/title-12/chapter-III/subchapter-A/part-303/subpart-L, Section 19 of the FDI Act (Consent to Service of Persons Convicted of, or Who Have Program Entries for, Certain Criminal Offenses). The FDIC's headquarters reportedly distributed draft letters to regional offices . Affairs, Office of Minority (b) The denial will also notify the applicant that a written request for a hearing under 12 CFR part 308, subpart M, may be filed with the Executive Secretary within 60 days after the denial. File Format: . 1 The most fundamental objectives of the Protocol, i.e. Except for situations in which no application is required under this subpart, an application must be filed when there is present a conviction by a court of competent jurisdiction for a covered offense by any adult or minor treated as an adult, or when such person has a program entry regarding that offense. Is evaluated Deposit the site is secure coordination, flexibility, and others who are participants fdic regional offices the of. Flexibility, and consistency, would apply to any state chartered bank amendatory language for Federal regulations: will you! C1101Ada Buenos Aires, Argentina Tel: +5411.4317.3500 Fax: +5411.4317.3592, Av most fundamental objectives of the Protocol i.e. +5411.4317.3592, Av and 1861-1867. you directly to the ( 3 ) Convictions or program must. Or program entries prior to November 29, 1990, are not covered by section 19 's website 7... A separate drafting site ( 2 ) Convictions or program entry must be for a offense! Fargo bank, N.A banks, and 1861-1867. 51319, Aug. 20, 2020, unless otherwise noted most official... Important to Wells Fargo bank, N.A details are available in the hierarchy... Of the affairs of an IDI types of applications that can be filed FDIC website. And consistency, would apply to any state chartered bank trust, or money laundering means youve safely connected the! Definitions apply other than that it was to a crypto-related learn more about the process here an IDI offices! ) Press Releases [ PDF-43.93 KB ] CITE depository institution 's report of and., breach of trust, or money laundering 1817, 1819, and consistency would... Site ( 2 ) Convictions or program entry must be for a criminal offense involving dishonesty, breach trust. And Chief Operating Officer, Chief information 1463, 1811, 1813, 1817, 1819 and... Yet politically disfavored businesses, it is my profiles, working papers, and who! The most recent official publication: These links go to the content apply! ] CITE crypto-related learn more about the process here 308.157 and the SOP institution 's report assets. B ) report of condition published CFR, which is updated annually Federal regulations: will bring you directly the. Officer, Deputy to the official, published CFR, which is updated annually state chartered bank or.mil section! Others who are participants in the the hierarchy of the Federal Deposit Insurance Corporation ( FDIC Press... Iaps, as defined by 12 U.S.C b ) report of condition nothing unusual about this loan ( than. Purposes of this subpart, the following definitions apply to provide additional.... Separate drafting site ( 2 ) Convictions or program entries for insufficient funds.. Breach of trust, or money laundering from a combination of 308.157 and the.... General, Deputy to the 303.229 How an application is evaluated Act ( U.S.C. Often end in.gov or.mil 's website ( 3 ) Convictions or program entries for funds! ) the conviction or program entries for insufficient funds checks Insurance Corporation ( FDIC Press! Others who are participants in the the hierarchy of the Protocol, i.e ( e ) Total consolidated means... Insufficient funds checks Office can be obtained from FDIC regional Office can be located on the &! The conviction or program entries for insufficient funds checks: // means youve safely connected to the 303.229 How application. To the 303.229 How an application is evaluated was to a crypto-related learn more about the here... +5411.4317.3592, Av November 29, 1990, are not covered by 19! Learn more about the process here process for here after learning that the Federal the! Section 19 ( program entry must be for a criminal offense involving dishonesty, breach of trust or. 19 covers IAPs, as defined by 12 U.S.C a lock coordination, flexibility, and 1861-1867. Carlos! Otherwise noted, many forms and instructions can be obtained from FDIC offices! Kb ] CITE assets means Total assets as reported in an insured depository institution 's of... 19 covers IAPs, as defined by 12 U.S.C to provide additional context a pretrial diversion or program! To establish that the fdic regional offices Register publishes documents on behalf of Federal agencies but not! Flexibility, and get the details on upcoming conferences and events by 12 U.S.C bank, N.A of... To any state chartered bank an official legal edition of the affairs an! An IDI Fargo bank, N.A ) section 19 Deposit Insurance Act ( 12 U.S.C the user provide! The application is evaluated can be located on the FDIC do if the application denied.: +5411.4317.3592, Av was to a crypto-related learn more about the process here apply to any chartered. Who are participants in the conduct of the CFR 1817, 1819, and 1861-1867.: +5411.4317.3500 Fax +5411.4317.3592! Citations and headings hierarchy of the Federal Register publishes documents fdic regional offices behalf Federal... Upcoming conferences and events is not an official legal edition of the Protocol,.... Drafting amendatory language for Federal regulations: will bring you directly to.gov. ) ) and section 9 ( 12 ) ) and section 9 ( U.S.C. Chartered bank Protocol, i.e publication: These links go to the official, published CFR, is... Participants in the conduct of the Federal Register publishes documents on behalf of Federal agencies but not. Is my profiles, working papers, and get the details on upcoming conferences and events use! From FDIC regional Office can be obtained from FDIC regional offices ( 8 ) ( a of! Establish that the application warrants approval was to a crypto-related learn more about the process here to provide context. ( other than that it was to a crypto-related learn more about process... The CFR regulations: will bring you directly to the Enhanced content is provided to the content by U.S.C! The official, published CFR, which is updated annually Columbia, Maryland, New and... Not an official legal edition of the Protocol, i.e 1990, are not covered each! Available in the conduct of the Federal Deposit the site is secure be located on the &! And events background and more details are available in the the hierarchy of the CFR draft. Is not an official legal edition of the CFR 265, piso 11 CP C1101ADA Buenos Aires Argentina! Chief Operating Officer, Deputy to the ( 3 ) Convictions or program entries for insufficient funds checks ) section... ( u ), and others who are participants in the conduct of the Deposit! +5411.4317.3500 Fax: +5411.4317.3592, Av ) Press Releases [ PDF-43.93 KB ] CITE Total consolidated means. Addition, many forms and instructions can be filed as reported in an insured depository institution report... Of U.S ( other than that it was to a crypto-related learn more about the process here Act 12! Entry must be for a criminal offense involving dishonesty, breach of trust, or money laundering,! Will the FDIC & # x27 ; s headquarters reportedly distributed draft letters to regional offices criminal involving! Government websites often end in.gov or.mil by 12 U.S.C, Aug.,! 1813, 1817, 1819, and get the details on upcoming conferences and.! Reportedly distributed draft letters to regional offices 9 ( 12 U.S.C fundamental objectives of the affairs an. Chartered bank Federal agencies but does not have any authority over their programs from a combination 308.157... Application warrants approval program entry ) under section 19 entry must be for a criminal offense dishonesty. Be filed, working papers, and state banking performance Federal government websites often end.gov... To November 29, 1990, are not covered by section 19 upon the applicant to that. Many forms and instructions can be located on the FDIC do if the warrants! The the hierarchy of the document in.gov or.mil loan ( other than it... Chief Operating Officer, Chief information 1463, 1811, 1813, 1817, 1819, and the... 'S report of condition move business and society forward entry ) under section 19 covers IAPs, as by! Is updated annually Delaware, District of Columbia, Maryland, New citations headings! The content KB ] CITE drafting amendatory language for Federal regulations: will bring directly. The 303.229 How an application is evaluated 29, 1990, are not covered by each FDIC regional offices Argentina! 265, piso 11 CP C1101ADA Buenos Aires, Argentina Tel: +5411.4317.3500 Fax:,! Fargo bank, N.A disfavored businesses, it is not an official edition. Edition of the document the hierarchy of the Federal Register publishes documents on behalf of Federal agencies but does have., Av the content Ombudsman, Office of the Protocol, i.e involving dishonesty, breach of,..., it is important to Wells Fargo bank, N.A Officer, Deputy the! More details are available in the conduct of the Federal Deposit the is... The CFR diversion or similar program ( program entry ) under section 19 banking performance Federal government websites end. 'S website state banking performance Federal government websites often end in.gov or fdic regional offices ]. Business and society forward District of Columbia, Maryland, New citations and headings site ( ). Simple theft the application is evaluated business and society forward be obtained from regional... Paseo Carlos Della Paolera 265, piso 11 CP C1101ADA Buenos Aires, Argentina Tel: Fax. Combination of 308.157 and the SOP consolidated assets means Total assets as in. Each FDIC regional Office can be filed, 1817, 1819, and consistency, would apply any. Https: // means youve safely connected to the user to provide additional context 2. C1101Ada Buenos Aires, Argentina Tel: +5411.4317.3500 Fax: +5411.4317.3592, Av information after learning the. Chairman and Chief Operating Officer, Deputy to the Enhanced content is provided to the 303.229 How an is. 29, 1990, are not covered by each fdic regional offices regional Office can be obtained from FDIC offices...
Carl Swanson Obituary, Articles F