BANK PREMIUMS: The FDIC voted Aug. 8 to cut the rates banks pay for deposit insurance by 83% to an average of 4.4 cents for every $100 of domestic deposits. The new rates, which range from 4 cents to 31 cents, take effect Sept. 30. In addition, the FDIC said it will refund premiums paid by banks since the second quarter, when the Bank Insurance Fund reached its required reserve level.

The agency left thrift premiums at an average of 23 cents.

INTEREST RATE RISK II: The Fed and the FDIC put off a detailed plan to incorporate interest rate risk into capital standards (see column one). Instead, they agreed simply to consider interest rate risk when they examine a bank. The new rule is awaiting action by the OCC before publication. Published Aug. 2 by the Fed. Effective Sept. 1.

MORTGAGE SERVICING: The banking agencies adopted an interim rule letting institutions count originated mortgage servicing rights as capital. (See related entry in column one.) Published and effective Aug. 1.

CORPORATE CU's: After receiving nearly 1,000 hostile comment letters, the NCUA on July 17 withdrew its proposal to beef up corporate credit union capital requirements and tighten investment powers. A new proposal is expected this year.

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