[30 Pa.B. 4075]

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*1984
1-24-84	Letter discusses section 307 of the Banking Code and investments in shares of money market mutual funds.
2-17-84	Letter 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.
2-23-84	Letter 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.
10-19-84	Letter announces banking legal holidays for 1985.
11-28-84	Letter discusses increasing fees and charges for traditional financial services.
12-12-84	Letter discusses requirement of section 1407 of the Banking Code regarding audit requirements.
12-20-84	Letter announces staff changes in the banking bureau of the Department.
*1983
1-3-83	Letter concerns substantial increase in the number of institutions advertising repurchase agreements.
1-17-83	Letter discusses recent amendments to Chapter 7 of the Banking Code.
1-24-83	Letter 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.
2-15-83	Letter discusses mortgage loans requiring special consideration such as those affected by temporary unemployment of borrower.
2-28-83	Letter 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.
4-12-83	Letter regarding electronic automation.
4-14-83	Letter 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.
10-7-83	Letter 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.
12-5-83	Letter 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	.
4-5-82	Letter announces change of policy from using capital-to-deposit ratio as a measurement of capital adequacy to using capital-to-assets ratio.
6-4-82	Letter discusses House Bill No. 1889, Act 44 of 1982, which amended sections 113, 114, 115, 903, 904 and 905 of the Banking Code.
6-4-82	Letter 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.
7-2-82	Letter to Motor Vehicle Sales Finance Act licensees discusses Act 160 of 1982 and maximum permissible finance charges.
7-30-82	Letter addressed to thrift CEO's and discusses asset restatement accounting.
11-1-82	Letter lists legal bank holidays for 1983.
12-8-82	Letter discusses examination of PA Bank Holding Companies by Department.
*1981
1-21-81	Notice of authorization to close banks in Philadelphia for official celebrations.
10-9-81	Letter announces CSBS Computer Audit and Control Conference for Bankers.
10-13-81	Letter discusses sections 702© and 610© of the Banking Code.
11-20-81	Letter lists legal bank holidays for 1982	.
*1980
1-2-80	Letter discusses federal law preemption of first lien residential mortgage rate portion of Pennsylvania Usury Law.
2-4-80	Letter discusses conversion of PA National Banks to State Charters.
2-14-80	Letter 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.
5-29-80	Letter 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.
10-28-80	Letter 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
7-26-79	Letter discusses outstanding mortgage loans.
10-3-79	Letter discusses to what extent PA banks may invest in  mortgage-backed pass-through certificates sold by banks through an underwriting syndicate.
10-8-79	Letter discusses Outstanding Mortgage Loans.
10-9-79	Letter discusses Outstanding Mortgage Loans.
10-26-79	Letter 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.
11-16-79	Letter discusses legal bank holidays.
11-29-79	Letter 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
3-7-75	Letter discusses instructions for filing documents with the Corporation Bureau of the Department of State.
*1966
3-14-66	Letter 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.

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COMMUNITY & ECONOMIC DEVELOPMENT

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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:

   Center for Travel, Tourism and Film

      Regional Marketing Initiative

         Rick Dunlap (717-787-5453)

      Tourist Promotion Agency Matching Fund Program Manual

         Keith Gingrich (717-787-5453)

   Entrepreneurial Assistance Office

      Entrepreneurial Guide:  Starting and Growing a Business in Pennsylvania

         Neil Fowler (717-720-7423)

   Office of Community Development and Housing

      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 (717-783-3910)

III.  DECISIONS:

IV.  INTERNAL GUIDELINES:

   Economic Development Assistance Office

      Customized Job Training

      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)

      Municipalities Financial Recovery Act Program

      Shared Municipal Services Program

         Fred Reddig (1-888-223-6837)

      Regional Police Assistance Program

         Bill Gamble (1-888-223-6837)

   Office of Community Development and Housing

      Community Development Block Grant

      Community of Opportunities

      Downtown Pennsylvania Program

      Emergency Shelter Grant Program

      Home Investment Partnerships Program

      Housing and Community Development 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 Empowerment

      Community Development and Finance Corporation Grant and Loan Program

      Community Services Block Grant Program

      Community Services Block Grant Discretionary Grants

      Emergency Community Services Homeless Grant Program

      Employment and Community Conservation Program

      Family Savings Account

      Neighborhood Assistance Program

      Neighborhood Assistance Enterprise Zone Tax Credit Program

      Weatherization Program

         Dennis Darling (717-787-1984)

      Community Conservation and Employment Program Operations

         Jamie Reed or Fred Abrams (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

      Pennsylvania Industrial Resource Center Program

         Sharon Minnich (717-787-3003)

   Private Capital and Loans Office
   Pennsylvania Economic Development Financing Authority:

      Conventional Bond Financing (Taxable)

      Exempt Facility & Small Issue Bonds

      Industrial Development Authority Financing

      Pennsylvania Capital Access Program

      Tax-Exempt Bond Financing

         Kim Kaufman  (717-783-1109)

      Community Development Bank Program:

      Accreditation Standards

      Capacity Building Grants

      Pennsylvania Community Development Bank Business Plan

      State Accreditation Guidelines and Application

      Underwriting

         Joan Brodhead (717-783-1109)

   Pennsylvania Industrial Development Authority:

      Machinery and Equipment Loan Fund Program

         Kim Kaufman  (717-783-1109)

   Small Business Financing Office

      Community Economic Development Loan Program

      Export Finance Program

      Pennsylvania Minority Business Development Authority

      Pollution Prevention Assistance Account

      Small Business First Program

      Underground Storage Tank Upgrade Loan Program

         Brigid Des-Ogugua (717-783-1127)

   Strategic Planning and Program Operations

      Enterprise Zone Program

         David Messner (717-787-7400)

      Keystone Opportunity Zone

         Richard Hudic (717-787-7400)

V.  OTHER

   Office of Community Development and Housing

      Community Development Block Grant Program Description

      Consolidated Plan

         Ed Geiger (717-787-5327)

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CONSERVATION AND NATURAL RESOURCES

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POLICY STATEMENTS:

Bureau of Forestry
   State Forest Natural Areas

Contact:  Dan Devlin (717-787-3444)

   Transfer or Exchange of State Forest Land

Contact:  Dan Devlin (717-787-3444)

Bureau of State Parks
   State Park User Fees

Contact:  Gary Smith (717-783-3307)

   Transfer or Exchange of State Park Land

Contact:  Ed Deaton (717-787-6674)

    State Park Natural Areas

Contact:  James Barr (717-787-6674)

Bureau of Recreation and Conservation
   Land Acquisition Grants

Contact:  Darrel Siesholtz (717-783-2661)

GUIDANCE MANUALS:

Bureau of Forestry

   Cooperative Gypsy Moth Suppression Program Procedure for Cooperator Participation Manual

   Cooperative Gypsy Moth Suppression Program Operating Procedure and Deadlines Manual
Contact:  Larry  Rhoads (717-948-3941)

   Forest Fire Warden Manual
Contact:  Fred Wilcox (717-787-2925)

   Wildland/Urbanface Guidance Document
Contact:  Fred Wilcox (717-787-2925)

   Forest Camp Lease Manual

   Right-of-Way Manual
Contact:  C. Edward Bortzfield (717-787-2014)

   Snowmobile Instructor's Manual

   ATV Instructor's Manual
Contact:  W. Paul Szabara (717-783-7941)

   Forest Products Permit
Contact:  Gary Rutherford  (717-787-4009)

   Camping Permit
Contact:  William Slippey (717-783-7941)

   District Forester Permit
Contact:  Gary Rutherford  (717-787-4009)

   Road Use Agreement
Contact:  C. Edward Bortzfield (717-787-2014)

   Special Activities Agreement
Contact:  William Slippey (717-783-7941)

   License for Right of Way
Contact:  C. Edward Bortzfield (717-787-2014)

   Prospecting Permit
Contact:  Roger Dorsey (717-787-4835)

   Seismic Survey Agreement

   Oil and Gas Leases

   Surface Use Agreements

   Gas Storage Leases

   Agreements of Consent to Assignments

   Coal Agreements

Contact:  John Walker (717-787-4835)

   Hard Mineral Agreement
Contact:  Roger Dorsey (717-787-4835)

Bureau of Recreation and Conservation

   Pennsylvania Scenic Rivers Program Guidelines

   Pennsylvania Scenic Rivers Program Management Guidelines

   Procedures Manual for Pennsylvania Recreation Trails Program

Contact:  Marian Hrubovcak (717-787-2316)

   Community Conservation Partnership Grants Manual and Forms
Contact:  Darrel Siesholtz  (717-783-2656)

   Swimming Pool Management Manual
Contact:  Greg Gove (717-787-7672)

   Heritage Parks Program Manual and Forms
Contact:  Tim Keptner (717-772-3839)

Bureau of State Parks

   Boat Docks

   Rights-of-Way and Antenna Sites

   Marina Manuals
Contact:  Gary Smith (717-783-3307)

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DEPARTMENT OF CORRECTIONS

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POLICY STATEMENTS:

Standards and Practices Unit

*  Inmate Handbook--Policy Nos. DC-ADM-003--822

Contact:  J.D. Shutt  (717) 975-4860

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EDUCATION

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POLICY STATEMENTS:

Bureau of Community and Student Services
*  Secretary of Education's Plan to Require and Assist Each School District to Establish and Maintain a Program of Appropriate Counseling and Support Services to Students Experiencing Problems Related to the Use of  Drugs, Alcohol and Dangerous Controlled Substances

   Contact:  John Weiss    (717-783-6791)

Bureau of Teacher Preparation and Certification
*  Pennsylvania Department of Education Standards, Policies and Procedures for State Approval of Certification Programs and for the Certification of Professional Educators for the Public Schools of Pennsylvania

   Contact:  Ron Simanovich    (717-787-3470)

*  Certification and Staffing Policies and Guidelines Regarding Education Certification and Staffing Requirements for Public Schools

   Contact:  Anne Shuster    (717-783-6730)

*  Policy on Evaluation Procedure for Certificate of Preliminary Education Evaluation of Credentials

*  Memorandum to inform school entities of Letters of Master's and Bachelor's Equivalency

*  Memorandum to inform school entities of Emergency Permits

*  Memorandum to inform school entities with information on requirements of Act 48 of 1999

*  Commonly Asked Questions on Act 48

*  Newsletter articles for public information on Act 48

   Contact:  Susan Stewart    (717-787-3356)

*  Memorandum to Pennsylvania teacher preparing colleges and universities announcing six new Praxis series  assessments for beginning teachers effective November 1, 1997 and the qualifying scores for these assessments.

*  Memorandum to teacher preparing colleges and universities providing instruction and policies for the use of new application forms for professional educator certification.

*  Memorandum to Pennsylvania teacher preparation institutions announcing changes to the Pennsylvania Certification Testing program effective September 1, 1999.

*  Memorandum to Pennsylvania teacher preparing institutions announcing changes to major reviews and changes to the Pennsylvania Teacher Testing Program for the 1998-99 program year.

*  Memorandum:  Important Notice on Tests Required (March 2000)

   Contact:  Frank Reardon    (717-787-3470)

*  Guidelines for Reporting Pennsylvania Institutions of Higher Education Responses to Title II, Section 207 of the Higher Education Act of 1998 (Draft)

   Contact:  Marjorie Blaze    (717-787-3470)

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