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COMMONWEALTH OF PENNSYLVANIA

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PA Bulletin, Doc. No. 01-1430b

[31 Pa.B. 4248]

[Continued from previous Web Page]

SECRETARIES' LETTERS

   The following is a historical list of letters to regulated entities from respective Secretaries of Banking providing guidance regarding compliance with statutes and regulations applicable to Pennsylvania state-chartered banking institutions, savings associations, credit unions, and nondepository institutions licensed to make mortgage and other types of loans in Pennsylvania.

2001
3-13-01 Department's position is that partially-exempt entities under the MBBA may request and be granted relief from the requirement that they maintain an office in Pennsylvania, provided that each partially-exempt entity receives approval from and enters into an agreement with the Department to maintain its records at a particular out-of-state location pursuant to Section 8(a)(2) of the MBBA, 63 P.S. § 456.089a)(2).
2000
1-18-00 Department's General Position on Internet Banking
3-30-00Pennsylvania State-Chartered Banks, Bank and Trust Companies and Savings Banks May Establish and Operate Messenger Services Branches.
11-29-00 Governor Ridge signed into law as Act 89 of 2000, the Bank Parity Bill, HB 2533 of 2000.
1999
1-22-99Record Keeping Guidelines under the Mortgage Bankers and Brokers Act.
1-22-99Record Keeping Guidelines under the Consumer Discount Company Act.
1-22-99Record Keeping Guidelines under the Secondary Mortgage Loan Act.
3-29-99 Partially Exempt Entity Version of the MBBA Record Keeping Guidelines is intended to be a progressive step towards enhancing the ability of partially exempt entities to conduct business in Pennsylvania and offer competitive products and services to Pennsylvania consumers.
5-12-99Letter states that state-chartered banking institutions and offices of national banks located in Pennsylvania may remain open for business on January 1, 2, and 3, 2000, in order to address customers' questions and concerns regarding Year 2000 computer transaction issues.
5-26-99.1Letter interprets section 1414 of the Banking Code of 1965 as permitting Pennsylvania state-chartered banks, bank and trust companies, and savings banks to charge interest on loans to their executive officers to the same extent as permitted under Federal Reserve ''Regulation O.''
1998
1-15-98 Year 2000 readiness and credit underwriting criteria for state-chartered banks, savings and loan associations, credit unions, and trust companies.
1-23-98Year 2000 readiness and credit underwriting criteria for credit unions.
2-2-98Year 2000 readiness for licensees under the Consumer Discount Company Act, Money Transmitter Act, Mortgage Bankers and Brokers Act, Secondary Mortgage Loan Act and Motor Vehicle Sales Finance Act.
8-24-98 Bank Holidays for 1999.
12-23-98Letter regarding Act 132 of 1998 which provides for a fair and orderly phasing out of the Pennsylvania Savings Association Insurance Corporation.
1997
1-31-97Letter regarding federal regulatory agencies having adopted a revised Uniform Financial Institutions Rating System which has been known as CAMEL.
4-24-97Letter discusses the effect that the year 2000 will have on Computer Systems.
6-9-97Letter regarding Electronic Submission of Call Reports.
8-2-97Bank Holidays for 1998.
1996
1-26-96Letter regarding heavy snowfall and floods having had a profound impact upon many communities in Pennsylvania and the financial hardships imposed upon customers of banks, savings associations and credit unions by this devastation.
4-16-96Letter regarding authority of Pennsylvania state-chartered banking institutions to sell annuities issued by insurance companies.
11-25-96Letter discusses the adjustment to the overhead assessment methodology for nondepository trust companies.
1995
3-24-95Letter containing Department's statement of policy regarding the Simplification and Availability of Bank Credit Act (Act 167 of 1994).
7-11-95Letter regarding Act 39 of 1995, amends the provisions of Pennsylvania's Banking Code of 1965, as amended (''Banking Code'') to authorize full interstate banking and branching under Pennsylvania law and to facilitate the operations of interstate banks in Pennsylvania.
10-10-95Letter to presidents of Pennsylvania State-chartered Credit Unions forwarding Investment Powers, Standards and Accounting Guidelines for Pennsylvania state-chartered credit unions as required by Section 501(b)(7) of the Credit Union Code which was amended by House Bill 2563, codified as Act 146 of 1994, effective February 12, 1995.
1994
3-24-94Letter to the Chief Executive Officers of Pennsylvania State-Chartered Non-Depository Trust Companies regarding the Department revising its examination/assessment billing method for Non-Depository Trust Companies.
8-9-94Letter to the Chief Executive Officers of Pennsylvania State-Chartered Banking Institutions, Savings Associations and Entities Licensed by the Department of Banking regarding enforcing the regulations of the Department of Banking Code, which provides for assessments of penalties and interest against financial institutions for failing to pay assessment and examination fees in a timely manner.
8-22-94Letter to Chief Executive Officers of Pennsylvania Banking Institutions regarding bank holidays.
10-5-94Letter to all Chief Executive Officers of Banks, Bank and Trust Companies, Trust Companies, Savings Banks, Savings Associations regarding federal law requirement that outside auditors be provided copies of respective reports of examination.
3-24-95Letter to the Chief Executive Officers of Pennsylvania State-Chartered Non-Depository Trust Companies regarding the Department revising its examination/assessment billing method for Non-Depository Trust Companies.
8-9-95Letter to the Chief Executive Officers of Pennsylvania State-Chartered Banking Institutions, Savings Associations and Entities Licensed by the Department of Banking regarding enforcing the regulations of the Department of Banking Code, which provides for assessments of penalties and interest against financial institutions for failing to pay assessment and examination fees in a timely manner.
8-22-95Letter to Chief Executive Officers of Pennsylvania Banking Institutions regarding bank holidays.
10-5-95Letter to all Chief Executive Officers of Banks, Bank and Trust Companies, Trust Companies, Savings Banks, Savings Associations regarding federal law requirement that outside auditors be provided copies of respective reports of examination.
1993
9-24-93 Letter to the Presidents and Chief Executive Officers of Pennsylvania State-Chartered Banking Institutions regarding a new schedule for costs associated with the examination and supervision of state-chartered banks.
1992
9-24-92Letter to the Presidents and Chief Executive Officers of Pennsylvania State-Chartered Banking Institutions regarding evaluating the adequacy of capital and loan loss reserves separately.
1991
5-2-91Letter to all Pennsylvania State-Chartered Banks, Savings Associations, and Credit Unions, Office of Comptroller of the Currency, Office of Thrift Supervision, National Credit Union Administration, Federal Deposit Insurance Corporation, Federal Reserve Board and all State Financial Regulatory Agencies informing them that Settlers Trust Savings Bank has not been and is not currently chartered as a Pennsylvania state-chartered or federally chartered bank, bank and trust company, savings bank, or savings association.
7-29-91Letter to all CEO's of Pennsylvania Chartered Savings Associations and all Pennsylvania Department of Banking Examiners interpreting sectio9n 510 of the Savings Association Code of 1967, as amended.
8-23-91Letter to all CEO's of Pennsylvania Chartered Savings Associations and all Pennsylvania Department of Banking Examiners clarifying its 7-29-91 interpretation of section 510 of the Savings Association Code of 1967, as amended, which states that the Department will not object to and will not cite in an examination report a savings association employer for offering and providing favorable terms and rates on loans to such association's employees.
9-3-91 Letter to all Motor Vehicle Sales Finance Companies discussing the problems with late delivery of certificates of title by motor vehicle lenders upon satisfaction of the existing loan. Letter states that title must be released immediately upon satisfaction of a loan.
1990
1-18-90Letter discusses additional language added to Section 222 of the Financial Institutions Reform, Recovery and Enforcement Act which adds a new Section 28 to the Federal Deposit Insurance Act, which states that Savings Associations which are not insured by the FDIC shall provide certain disclosures.
3-5-90 Letter to CEO's of all federally-insured state-chartered banks and savings associations discussing the Resolution Trust Corporation, which is soliciting potential bidders for failing savings and loan associations. Letter requests institutions which are considering bidding to notify this Department before the bidding process begins.
4-30-90Letter to all state-chartered credit unions issuing a new fee schedule for overhead assessments.
5-17-90Letter to CEO's of all Pennsylvania banking institutions informing them that the Department has recently issued an opinion regarding the impermissible collateralization of interest rate swap agreements.
6-6-90 Letter to CEO's of state-chartered commercial banks and state-chartered credit unions informing them of the Department's opinion on the permissibility of the Federal Home Loan Bank of Pittsburgh (''FHLB/P'') offering membership to other depository institutions in PA. Specifically, the FHLB/P would like to extend offers of membership to state-chartered commercial banks and state-chartered credit unions in PA.
6-11-90Letter to CEO's and Boards of Directors of State-Chartered Credit Unions informing them that strict compliance with section 27 of the Credit Union Act, then codified as 15 Packs § 12327, is required whenever a state-chartered credit union plans to merge or consolidate with any other credit union. In the future, failure to submit a merger application to the Department prior to the consummation of a merger will be viewed as a violation of law.
7-10-90Letter to CEO's of all Pennsylvania financial institutions informing them of the Department's opinion on the applicability of the ''Anti-takeover Law'', Act 36 of 1990.
7-10-90Letter to CEO's of all Pennsylvania Credit Unions informing them that credit unions must take immediate action in order to retain the power to indemnify their directors and volunteer officers. Also informing them that a special meeting of the board of directors should be called immediately to discuss adoption of a bylaw opting out of new provisions of the recently enacted ''Anti-takeover Law'', Act 36 of 1990.
7-10-90Letter to CEO's of Pennsylvania Financial Institutions informing them of an enforcement order by the Pennsylvania Department of Insurance regarding Collateral Protection Insurance. Letter requests a summary of an existing collateral protection insurance program to assist the Department in drafting regulations to determine reasonable fees for licensees under the Motor Vehicle Sales Finance Act.
12-3-90Letter to the Executive Officers of banking institutions regarding the new minimum requirements for Annual Audits performed by Certified Public Accounts.
1989
4-13-89Letter discusses House Bill 979, Act 173 of 1988 which makes several significant changes to the Banking Code including provisions which provide real estate investment and development authority to commercial savings banks; permit commercial and mortgage-backed securities powers; and, permit commercial and savings banks to make investments not presently permitted under statute in amounts up to 3% of assets with no more than 1% in any one investment.
8-11-89Letter to PA savings associations which are insured by the Pennsylvania Savings Association Insurance Corporation regarding Section 222 of the Financial Institutions Reform, Recovery and Enforcement Act, entitled ''Activities of Savings Associations'' which requires certain disclosures be made by non-federally insured savings associations.
9-28-89Letter lists legal bank holidays for 1990.
11-1-89Letter to CEO's of PA Banking Institutions discusses legal holidays for 1990.
1988
4-6-88Letter discusses the liquidation of TMIC Insurance Company and the need for some financial institutions to obtain alternate private mortgage insurance coverage.
5-31-88Letter to realtors discusses Senate Bill 7 of 1988, the proposed Mortgage Bankers and Brokers Act.
6-3-88 Letter announces legislative amendments to sections 112 and 117 of the Banking Code.
6-27-88Letter to CEO's of bank and trust companies discusses the review of assessment fees for trust companies and trust departments. Letter asks institutions to complete a Report of Trust Assets.
6-30-88Letter announces increase in annual assessments of institutions.
7-15-88Letter to lenders asking them to act with forbearance toward farmers who may have been experiencing financial difficulties due to poor weather conditions.
9-30-88Letter mailed to state-chartered banking institutions asking for a Report of Condition and Report of Income as of the close of business on 9-30-88.
10-17-88Letter lists legal bank holidays for 1989.
11-2-88 Letter announces survey to be conducted by the Department regarding low-cost deposit accounts availability at banks and savings associations.
11-3-88 Letter regarding survey of institutions offering low-cost checking and savings accounts.
1987
1-6-87Letter discusses permissibility of investment on mutual funds under the provision of section 307 of the Banking Code.
1-16-87Letter discusses Act 205 of 1986, amending various provisions of the Banking Code particularly section 1610 relating to fair pricing provisions.
2-5-87 Letter discusses permissibility of purchase or establishment of discount brokerage office subsidiaries under section 311(b), 502(d) and 203(d) of the Banking Code.
3-23-87Letter addressed to CEO's of all PA state-chartered banking institutions discusses section 1407(a) and 1407(c) of the Banking Code, which revises the minimum requirements for Directors' audits performed by CPA's.
6-12-87Letter to CEO's of savings associations, discusses mortgage interest rate commitments.
6-24-87Letter discusses requirements under section 403 of the Banking Code relating to report of condition and report of income.
8-28-87Letter permits closing of institutions for Constitution Day celebration in Philadelphia, September 17, 1987.
11-4-87Letter lists fixed and optional bank holidays for 1988.
12-11-87Letter to bank and savings association CEO's regarding full-day hours during the holidays.
1986
3-17-86Letter announces CSBS Computer Audit & Control Conference for bankers.
6-26-86Letter requests Report of Condition and Income as of the close of business on June 30, 1986.
8-21-86Letter discusses ownership of stock by state-chartered institutions of out-of-state bank holding companies, and sections 116 and 311 of the Banking Code.
9-30-86Letter requests Report of Condition and Income as of September 30, 1986.
11-6-86Letter contains a list of fixed and optional bank holidays for 1987.
1985
1-30-85 Letter announces substantive amendments to section 408 of the Banking Code in Act 217 of 1984.
4-2-85Letter announces CSBS Computer Audit & Control Conference for bankers.
4-29-85Letter discusses requirements for directors' audits pursuant to section 1407(a) of the Banking Code and the relevant regulations.
5-16-85Letter announces ''Day with the Secretary'' program.
5-31-85Letter discusses brokered loan fraud.
6-14-85Letter announces upcoming examination of all corporations licensed under Pennsylvania's Secondary Mortgage Loan Act.
9-25-85Letter requests from banks report of Condition and Income as of the close of business on September 30, 1985.
11-4-85Letter lists all fixed and optional bank holidays for 1986.
12-16-85Letter announces Martin Luther King, Jr.'s Birthday as a fixed holiday for state-chartered banking institutions.
12-20-85Letter requests Report of Condition and Income for 4th Quarter of 1985.
1984
1-24-84Letter discusses section 307 of the Banking Code and investments in shares of money market mutual funds.
2-17-84Letter discusses the technological revolution which is affecting the banking industry. The letter also announces a presentation of CSBS Computer Audit and Control Conference for Bankers to be held in Philadelphia, PA on April 23-26, 1984.
2-23-84Letter discusses section 319 of the Banking Code and variable rate consumer installment loans.
6-14-84 Letter discusses section 307 of the Banking Code regarding Investment Securities (other than stock) and Office of Comptroller of the Currency revising its interpretation of ruling 7.110, redefining capital and surplus for the purposes of investment limitations.
6-18-84 Letter announces Department's revisions to branch application forms.
7-13-84 Letter discusses amendment to section 1910(d) of the Banking Code, which requires directors and officers to have an audit performed of the books and affairs of the institution at least once per year.
7-26-84 Letter discusses Senate Bill 1304, Act 128 of 1984, Senate Bill 1305, Act 129 of 1984 and amendments to sections 302, 303, and 401 of the Banking Code.
7-26-84 Letter discusses Senate Bill No. 1304, Act 128 of 1984 which amended sections 203, 306, 308, 310, 311, 404, 405, 505, 805, 908, 1415, 1609, 1910, 2002 of the Banking Code.
10-9-84 Letter discusses section 105(b.1) of the Banking Code, establishment of additional office in Pennsylvania by foreign banking organizations.
10-19-84Letter announces banking legal holidays for 1985.
11-28-84Letter discusses increasing fees and charges for traditional financial services.
12-12-84Letter discusses requirement of section 1407 of the Banking Code regarding audit requirements.
12-20-84Letter announces staff changes in the banking bureau of the Department.
1983
1-3-83Letter concerns substantial increase in the number of institutions advertising repurchase agreements.
1-17-83Letter discusses recent amendments to Chapter 7 of the Banking Code.
1-24-83Letter discusses exercising of compassion and forbearance in dealing with unemployed customers.
2-2-83 Letter discusses Garn-St. Germain Depository Institutions Act of 1982 overriding substantially equal payments requirements of section 310 of the Banking Code.
2-15-83Letter discusses mortgage loans requiring special consideration such as those affected by temporary unemployment of borrower.
2-28-83Letter discusses annual audits requirement contained in Title 10 of the Pennsylvania Code, Section 17.1(a).
4-8-83 Letter indicates that Garn-St. Germain Depository Institutions Act of 1982 overrides state law to the extent that it permits adjustable-rate mortgages to be made or purchased by state-chartered banks, bank and trust companies, trust companies, and private banks.
4-12-83Letter regarding electronic automation.
4-14-83Letter discusses Garn-St. Germain Depository Institutions Act of 1982 and preemption of state law re: alternative mortgage loans and override of section 505 of the Banking Code.
10-7-83Letter announces 1984 legal bank holidays.
10-13-83 Letter announces deletion of sections 14.1 and 14.2 from Title 10 of the Pennsylvania Code.
12-1-83 Letter discusses impact of deregulation on industry.
12-5-83Letter discusses annual audits of one-bank holding companies and multi-bank holding companies in compliance with sections 1407 of the Banking Code.
1982
3-26-82 Letter discusses the technological revolution which is affecting the banking industry. The letter also announces a presentation of CSBS Bank Executives EDP/EFT Conference to be held in Philadelphia, April 27-28, 1982.
4-2-82 Letter discusses the technological revolution which is affecting the banking industry. The letter also announces a presentation of CSBS Bank Executives EDP/EFT Conference to be held in Philadelphia, April 27-18, 1982.
4-5-82Letter announces change of policy from using capital-to-deposit ratio as a measurement of capital adequacy to using capital-to-assets ratio.
6-4-82Letter discusses House Bill No. 1889, Act 44 of 1982, which amended sections 113, 114, 115, 903, 904 and 905 of the Banking Code.
6-4-82Letter discusses House Bill No. 1739, Act 79 of 1982, which amended sections 202, 308, 311, 319, 320, 407, 504, 506, 610, 702, 703, 1414, 2004 and 1609 of the Banking Code.
7-2-82Letter to Motor Vehicle Sales Finance Act licensees discusses Act 160 of 1982 and maximum permissible finance charges.
7-30-82Letter addressed to thrift CEO's and discusses asset restatement accounting.
11-1-82Letter lists legal bank holidays for 1983.
12-8-82Letter discusses examination of PA Bank Holding Companies by Department.
1981
1-21-81Notice of authorization to close banks in Philadelphia for official celebrations.
10-9-81Letter announces CSBS Computer Audit and Control Conference for Bankers.
10-13-81Letter discusses sections 702(c) and 610(c) of the Banking Code.
11-20-81 Letter lists legal bank holidays for 1982.
1980
1-2-80Letter discusses federal law preemption of first lien residential mortgage rate portion of Pennsylvania Usury Law.
2-4-80Letter discusses conversion of PA National Banks to State Charters.
2-14-80Letter discusses Act 286 of 1980 and new requirements that only certified public accountants registered with Department of State may provide the attest function on financial statements.
3-3-80 Letter discusses proposed legislation requiring mandatory reserves to be maintained at the Federal Reserve.
5-29-80Letter discusses Act 51 of 1980, amending various provisions of the Banking Code.
6-10-80 Letter discusses section 318 of the Banking Code and permissible interest computations.
6-17-80 Letter discusses Chapter 7 and section 103 of the Banking Code, and section 202 of the Banking Code of 1933, as amended, regarding legal reserves of PA nonmember banks.
7-7-80 Letter announces ''Day with the Secretary'' program.
10-28-80Letter discusses proposed amendments to Department regulations pertaining to Legal Reserve Funds, 10 Pa. Code, Chapter 11.
11-7-80 Letter lists legal bank holidays for 1981.
1979
7-26-79Letter discusses outstanding mortgage loans.
10-3-79Letter discusses to what extent PA banks may invest in mortgage-backed pass-through certificates sold by banks through an underwriting syndicate.
10-8-79Letter discusses Outstanding Mortgage Loans.
10-9-79Letter discusses Outstanding Mortgage Loans.
10-26-79Letter regarding a Conference on technological revolution involving electronics.
11-1-79 Letter discusses attempts to curb inflation and to maintain stability and balance in Pennsylvania.
11-16-79Letter discusses legal bank holidays.
11-29-79Letter discusses whether a bank or a bank and trust company may charge the Federal Reserve discount rate plus 1% on a residential mortgage loan.
*1975
3-7-75Letter discusses instructions for filing documents with the Corporation Bureau of the Department of State.
* 1966
3-14-66Letter discusses Saturday banking hours.

POLICY STATEMENTS

*  10 Pa. Code §§ 13.61--13.68--Exception to Definition of ''Branch''

*  10 Pa. Code § 21.61--Insurance and Annuities (Act 40 of 1997 was enacted after issuance of this Statement of Policy)

*  10 Pa. Code § 41.3a--Calculation of Consumer Discount Company Act default charges--Statement of Policy

*  10 Pa. Code Chapter 81--Check Cashers--Statement of Policy

INDEX OF GUIDANCE AVAILABLE REGARDING COMPLIANCE WITH DEPOSITORY
INSTITUTION STATUTES AND REGULATIONS

   The following is a list of applications and instructions to assist depository institutions in complying with various provisions of the statutes and regulations respectively applicable to Pennsylvania state-chartered banking institutions, thrift institutions, and credit unions.

* Branch Applications:

DeNovo Branch--Bank, Savings Association, Credit Union, Non-Depository Trust Company

Purchase of Assets/Assumption of Liabilities--Bank, Savings Association

Remote Service Facility--Savings Association

Branch Relocation--Bank, Savings Association

Relocation of Main Office--Savings Association

Branch Discontinuance--Bank, Savings Association

Foreign Bank Office

* Conversions

National Bank to State Bank

Savings Association to Savings Bank

Mutual Savings Bank to Stock Savings Bank

Mutual Savings Association to Stock Savings Association

Federal Credit Union to State Credit Union

* Mergers

Banks

Savings Associations

Credit Unions

* Charters

Bank

Interim Bank

Savings Association

Interim Savings Association

Credit Union

Non-Depository Trust Company

* Dissolutions

Savings Associations

Bank

* Intrastate Acquisitions

Bank Holding Company

Thrift Holding Company

* Interstate Acquisitions

Thrift Holding Company

* Other

Change In Bank Control--Individuals

Mutual Holding Company Reorganizations

Trust Department--Bank, Savings Association

Bank Subsidiaries

INDEX OF GUIDANCE AVAILABLE REGARDING COMPLIANCE WITH LICENSEE
STATUTES AND REGULATIONS

   Instructions for license applications, and Guidelines for compliance are available regarding each of the following statutes and, to the extent that regulations have been promulgated, their respective underlying regulations:

*  Mortgage Bankers and Brokers Act,

*  Secondary Mortgage Loan Act,

*  Consumer Discount Company Act,

*  Money Transmitter Act,

*  Motor Vehicle Sales Finance Act,

*  Pawnbrokers License Act,

*  Check Cashers Licensing Act, and

*  Credit Services Act.

   In addition to the above indices, the Department of Banking maintains interpretive letters addressing the applicability of statutes and regulations administered by the Department of Banking to specific fact patterns. The Department may provide a summary of the Department's position on a particular issue or a redacted interpretive letter when appropriate in response to particular questions previously addressed by the Department, in order to assist the public and members of the lending industry in complying with laws administered by the Department. The Department of Banking will continue to issue interpretive letters on a case basis when appropriate regarding new issues raised by persons requesting such interpretive information.

COMMUNITY & ECONOMIC DEVELOPMENT

I.  POLICY STATEMENTS:

   Office of Community Development and Housing
      Enterprise Development Area Initiative
         Ed Geiger (717-787-5327)

   Private Capital and Loans Office
      Machinery and Equipment Loan Fund
      Pennsylvania Industrial Development Authority
         Kim Kaufman (717-783-1109)

   Strategic Planning Operations Office
      Community Revitalization Assistance Office
         Oliver Bartlett (717-720-7352)

II.  GUIDANCE MANUALS:

   Travel, Film, and Economic Development Marketing Office
      Regional Marketing Initiative
         Rick Dunlap (717-787-5453)

      Tourist Promotion Agency Matching Fund Program Manual
         Keith Gingrich (717-787-5453)

   Center for Entrepreneurial Assistance
      Entrepreneurial Guide: Starting and Growing a Business in Pennsylvania
         Neil Fowler (717-720-7423)

   Office of Community Development
      Building Energy Conservation
         John Boyer (717-720-7413)
      CDBG Grantee Monitoring Systems
      CDBG Grantee Performance Evaluation Report Handbook
      Civil Rights Manual
      Economic Development Handbook
      Environmental Review Guide
      Housing Rehabilitation Guide
      Labor Standards Handbook
      Procedures for Closeout of Contracts
      Procurement/Contract Guide
      Sample Construction Contract Documents
      Special Assessments Guide
         Scott Dunwoody (717-720-7402)

III.  DECISIONS:

IV.  INTERNAL GUIDELINES:

   Economic Development Assistance Office
      Customized Job Training
      Educational Improvements Tax Credits
      Industrial Sites Reuse Program
      Infrastructure Development Program
      Job Creation Tax Credit Fund
      Local Economic Development Assistance Program
      Opportunity Fund
         Scott Dunkelberger (717-787-7120)

   Local Government Services Center
      Land Use Planning and Technical Assistance Program
         Neil Kinsey (1-888-223-6837)
      Local Government Capital Project Loan Program
         Sharon Grau (1-888-223-6837)
      Municipalities Financial Recovery Act Program
         Fred Reddig (1-888-223-6837)
      Regional Police Assistance Program
         Bill Gamble (1-888-223-6837)
      Shared Municipal Services Program
         Fred Reddig (1-888-223-6837)

   Office of Community Development
      Community Development Block Grant
      Community of Opportunities
      Emergency Shelter Grant Program
      Home Investment Partnerships Program
      Housing and Community Development Program
      Pennsylvania Access Grant Program
      Section 108 (of the Housing & Community Dev. Act) Loan Guarantee Program
      Small Communities Planning Assistance Program
         Ed Geiger (717-787-5327)

Office of Community Services
      Community Services Block Grant Program
      Community Services Block Grant Discretionary Grants
      Employment and Community Conservation Program
      Family Savings Account
      Neighborhood Assistance Comprehensive Service Program
      Neighborhood Assistance Enterprise Zone Tax Credit Program
      Neighborhood Assistance Program       Weatherization Program
         Dennis Darling (717-787-1984)
      Community Services Block Grant Directives
         Rhonda Denius (717-787-1984)
      Enterprise Zone Tax Credit Program
         Fred Abrams (717-787-1984)

   Office of International Business Development
      Export 2000 Block Grant
      Market Access Grant
         Lois Batcheler (717-787-7190)

   Office of Policy and Technology
      Ben Franklin Technology Center Program for Technological Innovation
         Bill Cook (717-787-4147)
      Pennsylvania Industrial Resource Center Program
         Tom Palisin (717-787-4147)

   Private Capital and Loans Office
      Pennsylvania Economic Development Financing Authority:
      Conventional Bond Financing (Taxable)
      Exempt Facility & Small Issue Bonds
      Tax-Exempt Bond Financing
         Kim Kaufman (717-783-1109)
      Industrial Development Bond Financing:
         Revenue Bond & Mortgage Program
            Kim Kaufman (717-783-1109)
      Pennsylvania Capital Access Program
         Carlton Ketchen (717-783-1109)
      Community Development Bank Program:
         Accreditation Standards
         Capacity Building Grants
         Pennsylvania Community Development Bank Business Plan
         State Accreditation Guidelines and Application
         Underwriting
            Carlton Ketchen (717-783-1109)
      Pennsylvania Industrial Development Authority:
         Machinery and Equipment Loan Fund Program
         Pennsylvania Industrial Development Authority Program
            Kim Kaufman (717-783-1109)

   Small Business Financing Office
      Childcare Challenge Grant Program
      Community Economic Development Loan Program
      Export Finance Program
      Non-Profit Day Care Loan Program
      Pennsylvania Minority Business Development Authority
      Pollution Prevention Assistance Account
      Small Business First Program
      Underground Storage Tank Upgrade Loan Program

   Strategic Planning and Program Operations
      Enterprise Zone Program
         David Messner (717-787-7400)
      Keystone Opportunity Zone
         Richard Hudic (717-787-7400)

IV.  OTHER

   Office of Community Development and Housing
      Community Development Block Grant Program Description
      Consolidated Plan
         Ed Geiger (717-787-5327)

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