OTS FEES: Proposal by the OTS to reduce fees for healthy, traditional thrifts. Fees for some small thrifts, however, would increase because the agency wants to impose a base fee of $1,250 for all institutions. The plan also would force thrifts with large trust or other complex activities to pay more. Published Aug. 14. Comments were due Oct. 13.

INTERNET BANKING: Proposal by the OTS to require thrifts to notify federal regulators before offering Internet banking services. The requirement would be added to a proposal letting federal thrifts conduct any activity electronically that they conduct via paper. Published Aug. 13. Comments were due Sept. 14.

PERSONNEL SHARING: Proposal by bank and thrift regulators to broaden exemptions to a federal law that prohibits banking institutions from sharing top personnel. Published Aug. 11. Comments were due Oct. 13.

CONSUMER DEBT: Proposal by the Federal Financial Institutions Examination Council to set a uniform 150-day chargeoff requirement for all consumer loans. Currently banks have up to 180 days to charge off credit cards but only 120 days to write off installment loans. Published July 6. Comments were due Sept. 4.

SECURITIES: Fed proposals to ease so-called section 23(a) restrictions on banks that buy securities from affiliated broker-dealers, and banks that extend credit to customers of an affiliated section 20 unit. Both proposals were published June 16. Comments were due July 21.

INFORMATION TECHNOLOGY: Proposal by the Exam Council to modify the Uniform Interagency Rating System for Data Processing Operations. Under the plan, ratings of banks' information technology systems would conform to the Camels system. Published June 9. Comments were due Aug. 10.

SMALL-BUSINESS LOANS: SBA proposal to require banks selling the nonguaranteed portion of 7(a) loans to retain a percentage of the credit. Published May 18. Comments were due July 17.

COMMUNITY LENDING: Finance Board proposal to create two new programs for rural and urban community investment. Published May 8. Comments were due Aug. 6.

LETTERS OF CREDIT: Finance Board proposal to make it easier for the 12 Home Loan banks to issue standby letters of credit for economic development projects. Published May 8. Comments were due Aug. 6.

INTEREST RATE RISK: OTS proposal to streamline the test used to determine interest rate exposure. It would increase to $1 billion of assets the size of institutions that are expected to develop their own interest rate risk models. Published April 23. Comments were due June 22.

DERIVATIVES: OTS proposal to eliminate limits on the amount of specific derivatives investments a thrift may hold. Instead, thrifts could only use derivatives to reduce risk exposure. Published April 23. Comments were due June 22.

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