READY TO TELL? FEDERAL RESERVE PUSHING FOR DISCLOSURE. Risk management isn’t a new topic to you, but the recent push by the Federal Reserve for banks to disclose risk management information to investors forces you to reexamine your understanding of risk assessment. (Page 18)        

PUT A STOP TO MORTGAGE MADNESS. Been wishing for a simpler loan process? Your wish has been granted: MERS Commercial has arrived. (Page 19)

BANK SECURITY: A SIMPLE ‘TO DO’ (AND DON’T) LIST. The ultimate responsibility for safeguarding your bank’s information lies with each individual employee. Use this list to make sure employees are defending your bank’s security. (Page 20)

SPEECH RECOGNITION TECH: NOW MORE ARTICULATE THAN EVER. Inaccuracy, frustration, and disappointment should be things of the past. New technology is here -- and it can save you money. (Page 21)                  

PLACE YOUR BETS: STATE VS. FEDERAL. OCC has clarified which state laws apply to national banks -- and states aren’t happy with the rule. (Page 21)

SECURITY ALERT: YOU’VE BEEN DOUBLE TEAMED. Fraudsters have teamed phishing and keylogging to create a superior scam that can be detrimental to you and your customers. (Page 22)

GUARANTEE CUSTOMER COMPLIANCE? How far should you go to ensure your customers are complying with the Patriot Act? (Page 23)

BofA MERGER APPROVED. Bank of America received federal approval to merge with Fleet Boston. (Page 23)