Barry Mann. assistant vice president-finance at First Federal of Richmond. Ind., has analyzed the proposed interest rate risk regulations by the Federal Reserve Board and the Office of Thrift Supervision. In tis commentary prepared for the Mortgage Marketplace, he suggests that both proposals have flaws and suggests a compromise. (See related story on page 3.)

Recently 1 participated on a committee of Savings and Community Bankers of America member institutions that compared the Office of Thrift Supervision and Federal Reserve Board interest rate risk components. About 70% of the Institutions that participated had a lower component under the Federal Reserve model.

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