[33 Pa.B. 3807]
[Continued from previous Web Page] DIVISION OF PROGRAM & REGULATORY COORDINATION
Contact: Robert Hussar, Division Chief (717)-783-6207
Current Aging Program Directives
Provided below is a comprehensive list of current Aging Program Directives and LAMP/OPTIONS Bulletins. Directives which do not appear on the list are no longer in effect. Current directives are as follows:
Program Area 01--''AAA Administration''
--88-01-07 Personnel Action Plan for Private Non-Profit Area Agencies on Aging (AAA)
--91-01-01 Certification and Disclosure Regarding Lobbying
--91-01-05 Area Agency on Aging Involvement in Corporate Eldercare Activities
--92-01-01 Single Audit Act Audit Requirements
--92-01-06 Minimum Standards for Governing Boards of Private Non-Profit Area Agencies on Aging
--93-01-04 Providing AAA Funded Services to Domiciliary Care and Personal Care Home Residents
--94-01-02 Indirect Cost Policy for Department of Aging Contracts
--94-01-04 Department of Aging Heat Emergency Plan
--95-01-05 Emergency Cooling Project
--95-01-09 Assessments of Persons With ''An Other Related Condition'' Who Are Exceptional Admissions
--97-01-02 Accounting Manual For AAA Programs
--98-01-02 Area Agency on Aging Program Income Policies
--00-01-01 FY 2000-2004 Four-Year Plan Requirements
--00-01-04 PDA Waiver Paid Claims Reconciliation
--01-01-02 AAA Utilization of Federal Funds in Provision of Caregiver Services
--01-01-07 2001-2002 Aging Block Grant Amendment: Jump Start Funds
--01-01-08 The Bridge Program
--01-01-10 Assistive Technology/ Risk Reduction Home Modification Program
--02-01-01 2001-2002 Tobacco/Bridge Program: Program Requirements, Slot Allocations, Final Funding Allocations and Application Format
--02-01-02 Amended FY 2001-2002 Program and Financial Reporting Requirements To Reflect Implementation of Tobacco/Bridge Program, Cost Sharing and Allocation of Jump Start Funds
--02-01-03 Contract Procurement Requirements
--02-01-05 2001-2002 Aging Block Grant Amendment: Final Funding Allocations
--02-01-06 AAA Program Requirements, Planning Allocations, and Aging Services Block Grant Format for SFY 2002-2003
--02-01-07 Tobacco/Bridge Program: Program Requirements, Slot Allocations, Final Funding Allocations, and Application Format
--02-01-09 FY 2002-2003 Program and Financial Reporting Requirements
--02-01-11 Updated Area Plan Assurances--Attachment a--Attachment B
--03-01-01 2002-2003 Aging Block Grant Amendment: Final Funding Alocations
--03-01-02 2002-2003 Aging Block Grant Amendment: Revision of Original In-Home Services Parameter
--03-01-03 OPTIONS Cost Sharing--Fee Scale Attachment
--03-01-04 2002-2003 Tobacco/Bridge Program Amendment
--03-01-06 Home and Community Based Services Procedures Manual (This Manual is a comprehensive guide to Department of Aging procedures. It is the operational handbook used by employees of Area Agencies on Aging. The following are individual chapters from the Manual. They contain a significant number of appendices, which are not yet displayed. They will be added to this site in the near future. In the meantime, please contact the Department at 717-783-6207 for additional information.)* Table of Contents
* Chapter 1--Assessments
* Chapter 2--Care Management
* Chapter 3--Programs and Requirements
* Chapter 4--Services
* Chapter 5--Hearings and Appeals
--Comprehensive OPTIONS Assessment Form (COAF) Instructions
--Comprehensive OPTIONS Assessment Form
--Nursing Facility OPTIONS Assessment Form
--03-01-07 HIPAA Standards for Privacy of Individually-Identifiable Health Information and How the Requirements Impact the Pennsylvania Aging NetworkProgram Area 02--''Home Delivered Meals''
--See APD #03-01-06
Program Area 03--''Congregate Meals''
--03-03-01 Policies and Standards for the Department of Aging Funded Nutrition Service Programs
Program Area 04--''Socialization/Recreation/Education/Health Promotion''
--96-04-01 Senior Community Center And Satellite Center Policies and Standards
--98-04-01 PrimeTime Health ProgramProgram Area 05 -''Employment Services''
--95-05-02 Title V Senior Community Service Employment Program: Final Rule
--96-05-02 Title V S.C.S.E.P.: Eligibility and Assessment FormsProgram Area 06--''Volunteer Services''
--85-06-01 Volunteer Services
Program Area 07--''Passenger Transportation Services''
--85-07-01 Policies for Transportation Services
Program Area 11--''Information and Referral''
--85-11-01 Policies and Procedures for the Provision of I & R Services by AAAs
Program Area 22--''Assessments''
--See Book I of APD #03-01-06.
Program Area 23--''Care Management''
--See APD #03-01-06.
Program Area 24--''Protective Services Intake/Investigation''
--89-24-02 Required Standard Forms for Protective Services
--92-24-01 Change in Report of Need Form (Supplements APD #89-24-02)
--93-24-01 Protective Services Investigations
--93-24-02 Protective Services Investigations
--97-24-01 Protective Services Report of Need and Investigation Summary and Assessment Form
--00-24-01 Perpetrator Designation and Notification in P. S. CasesProgram Area 13--''Personal Care''
--See APD #03-01-06.
Program Area 12--''Home Health''
--See APD #03-01-06.
Program Area 19--''Home Support''
--See APD #03-01-06.
Program Area 20--''Adult Day Care''
--See 6 Pa. Code Chapter 11, Sections 11.1 to 11.292 and APD #03-01-06.
Program Area 25--''Domiciliary Care''
--85-25-02 Statewide Expansion of Domiciliary Care Program
--93-25-01 Keys Amendment Implementation as It Relates to the Domiciliary Care Program
--02-25-01 Domiciliary Care Consumer Payment To ProvidersProgram Area 09--''Legal Assistance''
--85-09-01 AAA Program of Legal Services to the Elderly
Program Area 10--''Ombudsman''
--98-10-01 Long-Term Care Ombudsman Program
--02-10-01 Implementation of Ombuds ManagerProgram Area 14--''Personal Assistance Service''
See APD #03-01-06.
Program Area 18--''Medical Equipment, Supplies and Adaptive Devices''
See APD #03-01-06.
Program Area 29--''Other''
--85-29-01 Changes in PSA Boundaries
--85-29-02 Generic Policies and Procedures for the Request and Consideration of Waivers of PDA Policies
--85-29-06 Interdepartmental Cooperative Agreement between the PDA and DPW, Office of Mental Health
--92-29-07 Advance Notice to Health Care Facilities Prior to Termination of Utility Service
--96-29-01 Statement of PDA Intent Re: Allocation To New Area Agencies
--97-29-01 Retention of AAA Records
--97-29-02 Emergency Operations Plan for the Department of Aging.
--00-29-01 Department of Aging Energy Emergency Response Plan
AGRICULTURE
POLICY STATEMENTS:
Bureau of Animal Health and Diagnostic Services
* Scrapie Containment and Eradication Strategy
Contact: Phillip Debok (717-783-8300)
* Chronic Wasting Disease Containment and Eradication Strategy
Contact: Phillip Debok (717-783-8300)
Bureau of Food Distribution
* Allowable Uses of State Food Purchase Program Capital Asset Program (CAP) Monies
Contact: Sandy Wilson (717-772-2692)
Bureau of Market Development
* Instructions for Completion of Application for Capital Improvement Matching Funds Grant
Contact: Pete Witmer (717-787-6041)
* Guidelines: Agricultural and Rural Youth Grant Program Direct and Matching Grants
Contact: Pete Witmer (717-787-6041)
Bureau of Plant Industry
* Fertilizer Enforcement Action Penalty Matrix
Contact: John Breitsman (717-787-4843)
* Soil and Plant Amendment Enforcement Action Penalty Matrix
Contact: John Breitsman (717-787-4843)
* Pesticide Enforcement Action Penalty Matrix
Contact: Joseph Uram (717-787-4843)
Pennsylvania State Conservation Commission
* Pennsylvania's Nutrient Management Plan Implementation Grants Program Application Form and Guidelines
Contact: Karl Brown (717-787-8821)
* Pennsylvania's Nutrient Management Act Technical Manual
Contact: Karl Brown (717-787-8821)
* Nutrient Management Program Administrative Manual
Contact: Karl Brown (717-787-8821)
GUIDANCE MANUALS:
Bureau of Animal Health and Diagnostic Services
* Pennsylvania Animal Diagnostic Laboratory System User Guide
Contact: Dr. Helen Acland (717-787-8808)
Bureau of Food Distribution
* Farmers Market Nutrition Program--Farmer/Vendor Procedure Manual
* Woman, Infants and Children (''WIC'') Clinic Procedure Manual
* Self Declaration of Need: Income Poverty Guidelines for TEFAP
Contact: Edward Wadlinger (717-787-2940)
Bureau of Food Safety and Laboratory Services
* rBST Labeling Information
* Application to Install or Remodel a Milking System
* Supplement to a Farm Refrigerated Bulk Milk Storage Tank and/or a Precooler Installation Application
Contact: James C. Dell (717-787-4316)
* Food Safety Concession Guidelines
* Ice Manufacturing Plants Consumer Confidence Program Guidelines
* Listeria Handbook for Retail Food Establishments
* Model Food Service Self-Inspection Checklist
* Procedures for Vacuum Packaging Foods in Reduced Oxygen Packages
* Retail Food Establishment Consumer Confidence Program Self-Inspection Checklist
Contact: Lenchen Radle (717-787-4315)
Pennsylvania Harness Racing Commission
* Guidelines for Medications in Racehorses
Contact: Anton J. Leppler (717-787-5196)
* Licensing Procedures and Standards for Applicants
Contact: Anton J. Leppler (717-787-5196)
Pennsylvania Horse Racing Commission
* Guidelines for Medications in Racehorses
Contact: Benjamin H. Nolt, Jr. (717-787-1942)
* Licensing Procedures and Standards for Applicants
Contact: Benjamin H. Nolt, Jr. (717-787-1942)
Bureau of Plant Industry
* Instructions for Licensing under the Pennsylvania Commercial Feed Law
* Instructions for Licensing under the Pennsylvania Fertilizer Act
* Directions for Renewing Specialty Fertilizer Registration in Pennsylvania
* Instructions for Licensing under the Pennsylvania Agricultural Liming Materials Act
Contact: John Breitsman (717-787-4843)
* Directions for Registering Pesticides in Pennsylvania
* Experimental Pesticide Use Permits
* Grower Record Keeping Guidelines for Pesticide Applications made under an Emergency Exemption
* Instructions for Licensing under the Pennsylvania Soil and Plant Amendment Act
* Directions for Soil and Plant Amendment Registration in Pennsylvania
Contact: John Lake (717-787-4843)
* IPM for Pennsylvania Schools: A How-To Manual
Contact: Ken Long (717-772-5227)
Bureau of Ride and Measurement Standards
* Amusement Ride Operators' and Attendants' Manual
Contact: Kent Shelhamer (717-787-6772)
Pennsylvania State Conservation Commission
* Best Management Practices Manual for Pennsylvania Livestock and Poultry Operations
Contact: Karl Brown (717-787-8821)
INTERNAL GUIDELINES:
Bureau of Farmland Preservation
* Checklist for Review of an Agricultural Conservation Easement Purchase Recommendation
* Checklist for Evaluation of a County Agricultural Conservation Easement Purchase Program
Contact: Sandra Robison (717-783-3167)
Bureau of Food Safety and Laboratory Services
* Summary of Enforcement Requirements for Violations of Bacterial Count, Somatic Cell Count and Antibiotic Residue Tests for Individual Milk Producer Samples
* Clarification of Enforcement Policy for a Producer Utilizing Two Bulk Milk Tanks
* Producer Record Transfer Program
Contact: James C. Dell (717-787-4316)
* Tolerances for Egg Quality, below which a Warning Letter shall be issued to a store
* Tolerances for Egg Quality, below which Seizure of Eggs will be made at a store
* Tolerances for Egg Quality, below which Prosecution will be initiated against a store
* Tolerances for Egg Quality, below which Seizure of Eggs will be made at a plant
Contact: Kim F. Miller (717-787-3294)
* Guidelines for Inspection of Food Concessions at Fairs
* Inspection Guidelines for Farmers Markets and Stands
Contact: Lenchen Radle (717-787-4315)
Bureau of Market Development
* Agricultural Fair Program State Premium Guideline Book
Contact: Brant Bickel (717-787-5342)
Bureau of Plant Industry
* Turfgrass Seed Certification Interagency and Interstate Certification
Contact: Joe Garvey (717-787-5609)
* Plant Pest Act Enforcement Action Penalty Matrix
Contact: Walt Blosser (717-772-5205)
Pennsylvania Harness Racing Commission
* Procedures with respect to Unlicensed Owners
Contact: Anton J. Leppler (717-787-5196)
OTHER:
Bureau of Food Safety and Laboratory Services
* Industry Responsibilities with respect to Broken Seals
Contact: James C. Dell (717-787-4316)
* Temperature Requirements for Safe Handling of Hot and Cold Foods
* Guidelines for Self-Service Bulk Food Displays
* Guidelines for Maple Syrup Operations
Contact: Lenchen Radle (717-787-4315)
* A Retailer's Guide to Assuring Shelf Egg Safety & Quality
* Safe Handling of Eggs
* Safe Handling of Fresh Fruits & Vegetables
Contact: Kim F. Miller (717-787-3294)
Bureau of Plant Industry
* Pennsylvania Pesticide Hypersensitivity Registration Information
Contact: Dave Scott (717-772-5214)
BANKING
Nonregulatory public documents of the Department of Banking are divided into three indexedcategories listed below: Letters from Secretaries of Banking to Regulated Entities; Guidance Available Regarding Compliance with Depository Institution Statutes and Regulations; and, Guidance Available Regarding Compliance with Licensee Statutes and Regulations. The contact person for all Department of Banking documents is David H. Bleicken (717) 787-1471.
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.
2003 6/11/03 The Secretary's Letter that requests licensees and registrants under the Check Casher Licensing Act to voluntarily adopt a policy of cashing all government-issued checks at the rate authorized for government assistance checks in Section 503(a)(1) of the Check Casher Licensing Act. 5/8/03 The Secretary's Letter states that the Act 207 of 2002 provides Pennsylvania state-chartered credit unions parity with federally-chartered credit unions in regard to activities, field of membership requests, and investing in credit union service organizations, subject to a notice requirement. 5/2/03 Secretary's Letter stating that check cashers licensed by the Department of Banking must comply with the statement of policy issued May of 1998 concerning the Check Casher Licensing Act. The statement of policy provides that check cashers should post a notice of exact fees and charges, which shall be within the maximum prescribed in the act. The notice should be in plain view and in a location readily apparent to the consumer transacting business at each check casher location. 5/2/03 Secretary's Letter stating that retail food stores registered with the Department of Banking must comply with the statement of policy issued May of 1998 concerning the Check Casher Licensing Act. The statement of policy provides that check cashers should post a notice of exact fees and charges, which shall be within the maximum prescribed in the act. The notice should be in plain view and in a location readily apparent to the consumer transacting business at each check casher location. 4/1/03 The Secretary's Letter discusses state-charted banks engaging in payday lending activities. 3/26/03 The Secretary's Letter discusses the Streamlined Call Report filing requirements. 2002 9/23/02 The Secretary's Letter discusses that the Act 55 of 2001 definition of ''Covered Loan'' changes effective October 1, 2002; and that ''Median Family Income'' statistical estimates necessary for lenders to calculate (a) repayment ability of potential obligor under Section 512(b), and (b) whether negative amortization terms may be imposed on a potential obligor under Section 511(c), are now stated in the convenient chart attached to the letter. 6/3/02 Secretary's letter discusses the Pilot Program for Residential Real Estate and Small Business Loans. 3/15/02 Secretary's Letter announces that by virtue of publication in the March 2, 2002 Pennsylvania Bulletin (Vol. 32, No. 9), the Mortgage Bankers and Brokers and Consumer Equity Protection Act (''MBBCEPA'') Continuing Education Regulation (the ''Regulation'') is now in effect for all licensees under the MBBCEPA. Therefore, all licensees must be in compliance with the requirements contained in the Regulation by June 30, 2003, in order to renew a license. 2001 12/21/01 This letter is to set forth in writing the Pennsylvania Department of Banking (the ''Department'') position on issues related to the ability of a Pennsylvania state-chartered bank, bank and trust company, or savings bank (''PA Bank'') under Section 322 of the Banking Code of 1965 (''Section 322''). 7 P. S. § 322. 10/19/01 Secretary's Letter regarding President Bush's Executive Order Blocking Property and Prohibiting Transactions with Persons Who Commit, Threaten to Commit or Support Terrorism. 8/17/01 Letter to announce Act 55 of 2001, the Mortgage Bankers and Brokers and Consumer Equity Protection Act. A summary of Act 55 is attached to the Secretary's letter. 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). 1/4/01 Letter announces that Pennsylvania state banking institutions and Pennsylvania national banks are hereby permitted to observe Monday, November 12, 2001, as an optional legal holiday in recognition of Veteran's Day. 2000 11/29/00 Governor Ridge signed into law as Act 89 of 2000, the Bank Parity Bill, HB 2533 of 2000 (P.N. 4073). 3-30-00 Pennsylvania State-chartered banks, bank and trust companies and savings banks may establish and operate messenger service branches. 3-23-00 Loans to Directors and Section 1414. 1-18-00 Department's General Position on Internet Banking. 1999 8-23-99 Holidays for 2000. 5-26-99 Letter 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.'' 5-12-99 Permissible Bank Holidays for 2000. 5-12-99 Letter 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. 1-22-99 Record Keeping Guidelines under the Mortgage Bankers and Brokers Act. 1-22-99 Record Keeping Guidelines under the Consumer Discount Company Act. 1998 1-23-98 Year 2000 readiness and credit underwriting criteria for credit unions. 1-15-98 Year 2000 readiness and credit underwriting criteria. 1997 8-27-97 Holidays for 1998. 6-9-97 Letter addresses electronic submission of Call Reports. 4-24-97 Letter discusses computer problems in the year 2000. 1-31-97 Letter regarding federal regulatory agencies having adopted a revised Uniform Financial Institutions Rating System which has been known as CAMEL. 1996 11-25-96 Letter discusses the adjustment to the overhead assessment methodology for non-depository trust companies that it implemented in 1994. 4-16-96 Letter regarding authority of Pennsylvania state-chartered banking institutions to sell annuities issued by insurance companies. 1-26-96 Letter regarding heavy snowfall and floods having had a profound impact upon many communities in Pennsylvania and the financial hardships imposed upon your customers by this devastation. 1995 10-10-95 Letter 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, effective February 12, 1995. 7-11-95 Letter regarding Act 39 of 1995, amends the provisions of Pennsylvania's Banking Code to authorize full interstate banking and branching under Pennsylvania law and to facilitate the operations of interstate banks in Pennsylvania. 3-24-95 Letter regarding the Simplification and Availability of Bank Credit Act. 1994 11-17-94 Letter to the Presidents and Chief Compliance Officers of Pennsylvania First Mortgage Companies regarding mortgage companies disbursing loan proceeds in a form prescribed by applicable law. 11-8-94 Letter to all Chief Executive Officers of Banks, Bank and Trust Companies, Savings Banks regarding Assets pledged for uninsured trust deposits. 10-13-94 Letter to the Presidents of Pennsylvania State-Chartered Credit Unions regarding automated teller machines at locations other than credit union's principal place of business. 10-5-94 Letter to all Chief Executive Officers of Banks, Bank and Trust Companies, Trust Companies, Savings Banks, Savings and Loan Associations regarding role change for outside auditors. 8-22-94 Letter to Chief Executive Officers of Pennsylvania Banking Institutions regarding bank holidays. 8-9-94 Letter 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. 3-29-94 Letter 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. 1993 12-9-93 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 9-24-92 Letter 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 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. 8-23-91 Letter to all CEOs 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, 7 P. S. § 6020-70(a)(3) 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. 7-29-91 Letter to all CEOs of Pennsylvania Chartered Savings Associations and all Pennsylvania Department of Banking Examiners interpreting section 510 of the Savings Association Code of 1967, 7 P. S. § 6020-70(a)(3). 5-2-91 Letter to all Pennsylvania State-Chartered Banks, Savings Associations, and Credit Unions, OCC, OTS, NCUA, FDIC, Federal Reserve Board and all State Financial Regulatory Agencies informing them that Settlers Trust Savings Bank has not been and is not currently chartered to be a Pennsylvania state-chartered or federally chartered bank, bank and trust company, savings bank, or savings association. 1990 12-3-90 Letter to the Executive Officer of the banking institution addressed: regarding the new minimum requirements for Annual Audits performed by Certified Public Accountants. 7-10-90 Letter to CEOs of Pennsylvania Financial Institutions informing them of an enforcement order against Mellon Bank, N.A. by the Pennsylvania Department of Insurance--re: Collateral Protection Insurance. Letter requests a summary of any existing collateral protection insurance programs to be used by the Department to assist the Department in drafting regulations to determine reasonable fees for licensees under the MVSFA. 7-10-90 Letter to CEOs of all Pennsylvania financial institutions informing them of the Department's opinion on the applicability of the ''Anti-takeover law'', Act 36 of 1990. 7-10-90 Letter to CEOs 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. 6-11-90 Letter to CEOs and Boards of Directors of State-Chartered Credit Unions informing them that strict compliance with section 27 of the Credit Union Act, 15 Pa. C.S.A. § 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. 6-6-90 Letter to CEOs 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. 5-17-90 Letter to CEOs of all Pennsylvania banking institutions informing them that the Department has recently issued an opinion regarding the impermissible collateralization of interest rate swap agreements. 4-30-90 Letter to all state-chartered credit unions issuing a new fee schedule for overhead assessment. 3-5-90 Letter to CEOs of all federally-insured state-chartered banks and S & Ls discussing the Resolution Trust Corporation, who is soliciting potential bidders for failing S & Ls. Letter requests institutions who are considering bidding to notify this Department before the bidding process begins. 1-18-90 Letter discusses FIRREA and additional language added to Section 222, entitled ACTIVITIES OF SAVINGS ASSOCIATIONS, which adds a new section to the Federal Deposit Insurance Act, Section 28, which states that Disclosures by Uninsured Savings Associations which are not insured by the Corporation, shall disclose clearly and conspicuously that the savings association's deposits are not federally insured. 1989 11-1-89 Letter to CEOs of PA Banking Institutions discusses legal holidays for 1990. The Department has been advised by the Federal Reserve Banks of Philadelphia and Cleveland that it is their intention to observe Veterans' Day on Mayday, November 12. The Department exercises its authority under Section 113(b)(x) that all state-chartered institutions have the option to observe Monday, November 12, 1990, as an optional holiday. 9-29-89 Letter lists legal bank holidays for 1990. 8-11-89 Letter to PA savings associations which are insured by the PSAIC regarding Financial Institutions Reform, Recovery and Enforcement Act and Section 222, entitled ''Activities of Savings Associations'' which requires certain disclosures be made by non-federally insured savings associations. 4-13-89 Letter discusses House Bill 979, Act 173 of 1988 which makes several significant changes in the Banking Code of 1965, 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. 1988 11-3-88 Letter regarding survey of institutions offering low-cost checking and savings accounts. 11-2-88 Letter announces survey to be conducted by the Department regarding low-cost deposit accounts availability at banks and savings and loan associations. 10-17-88 Letter lists legal bank holidays for 1989. 9-30-88 Letter mailed to state-chartered banking institutions asking for a Report of Condition and Report of Income as of the close of business 9-30-88. 7-15-88 Letter to lenders asking them to act with forbearance toward farmers who may have been experiencing financial difficulties due to poor weather conditions. 6-30-88 Letter announces increase in assessments. 6-27-88 Letter to CEOs 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. 6-3-88 Letter announces legislative amendments to sections 112, 166 & 117 of the Banking Code of 1965. 5-31-88 Letter to realtors discusses Senate Bill 7 of 1988, the Mortgage Bankers and Brokers Act. 4-6-88 Letter discusses the liquidation of TMIC Insurance Company and the need for some financial institutions to obtain alternate coverage. 1987 12-11-87 Letter to bank and savings and loan association CEOs--re: provisions of the Uniform Commercial Code regarding full-day hours during the holidays. 11-4-87 Letter lists fixed and optional bank holidays for 1988. 8-28-87 Letter permit closing of institutions for Constitution Day celebration in Philadelphia, September 17, 1987. 6-24-87 Letter discusses requirements under Section 403 of the Banking Code of 1965 relating to report of condition & report of income. 3-23-87 Letter addressed to CEOs of all PA state-chartered banking institutions discusses Sections 1407(a) and 1407(c) of the Banking Code of 1965, which revises the minimum requirements for Directors' audits performed by CPAs. 2-5-87 Letter discusses permissibility of purchase or establishment of discount brokerage office subsidiaries under sections 311(b), 502(d) and 203(d) of the Banking Code of 1965. 1-16-87 Letter discusses Senate Bill 1389, Act No. 205 of 1986, amending various provisions of the Banking Code of 1965 (P. L. 847 No. 346) particularly § 1610 relating to fair pricing provisions. 1-6-87 Letter discusses permissibility of investment on mutual funds under the provision of the Banking Code of 1965, 7 P. S. § 307. 1986 11-6-86 Letter contains a list of fixed and optional bank holidays for 1987. 9-30-86 Letter requests Report of Condition and Income as of September 30, 1986. 8-21-86 Letter discusses ownership of stock by state chartered institutions of out-of-state bank holding companies and 7 P. S. §§ 116, 311. 6-26-86 Letter requests Report of Condition and Income as of the close of business June 30, 1986. 3-17-86 Letter announces CSBS Computer Audit & Control Conference for bankers. 1985 12-20-85 Letter requests report of condition and income for 4th Quarter of 1985. 12-16-85 Letter announces Martin Luther King, Jr.'s Birthday as a fixed holiday. 11-4-85 Letter lists all fixed and optional bank holidays for 1986. 9-25-85 Letter requests report of condition and income as of the close of business--9/30/85. 6-14-85 Letter announces upcoming examination of all corporations licensed under Pennsylvania's Secondary Mortgage Loan Act. 5-31-85 Letter discusses brokered loan fraud. 5-16-85 Letter announces ''Day with the Secretary'' program. 4-29-85 Letter discusses requirements for directors' audits pursuant to 7 P. S. § 1407(a) and the relevant regulations. 4-2-85 Letter announces CSBS Computer Audit & Control Conference for bankers. 1-30-85 Letter announces substantive amendments to 7 P. S. § 408, House Bill No. 2453, Act No. 1984-217. 1984 12-20-84 Letter announces staff changes in the banking bureau of the Department. 12-12-84 Letter discusses requirement of § 1407 of the Banking Code of 1965 regarding audit requirements. 11-28-84 Letter discusses increasing fees and charges for traditional financial services. 10-19-84 Letter announces banking legal holidays for 1985. 10-9-84 Letter discusses Section 105(B.1) of the Banking Code of 1965, establishment of additional offices in Pennsylvania by foreign banking organizations. 7-26-84 Letter discusses Senate Bill 1304, Act No. 128 of 1984, Senate Bill 1305, Act. No. 129 of 1984 and amendments to § 302, § 303, § 401 of the Banking Code of 1965. 7-26-84 Letter discusses Senate Bill No. 1304, Act No. 128 of 1984 which amended sections 203, 306, 308, 310, 311, 404, 405, 505, 805, 908, 1415, 1609, 1910, 2002 of the Banking Code of 1965. 7-26-84 Letter discusses Senate Bill No. 1080, Act No. 125 of 1984 which amended sections 311, 404, 514, 610, 802, 1217, 1405, 1609, 1801 and 1809 of the Banking Code of 1965. 7-13-84 Letter discusses amendment to Section 1910(d) of the Banking Code of 1965, which requires directors and officers to have an audit performed of the books and affairs of the institution at least once per year. 6-18-84 Letter announces Department's revisions to branch application forms. 6-14-84 Letter discusses Banking Code of 1965, § 307--Investment Securities (other than stock) and OCC revising its interpretation of ruling 7.1100, redefining capital and surplus for the purposes of investment limitations. 3-5-84 Letter is a reminder of importance of making and maintaining arrangements to backup data processing equipment and provide for reconstruction of records. 2-23-84 Letter discusses Section 319 of the Banking Code of 1965 and variable rate consumer installment loans. 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. 1-24-84 Letter discusses Section 307 of the Banking Code of 1965 and investments in shares of money market mutual funds. 1983 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 of 1965. 12-1-83 Letter discusses impact of deregulation on industry. 10-13-83 Letter announces deletion of Section 14.1 and 14.2 from Title 10 of the Pa. Code. 10-7-83 Letter announces 1984 legal bank holidays. 4-14-83 Letter discusses Garn-St. Germain Depository Act of 1982 and preemption of state law re: alternative mortgage loans and override of 7 P. S. § 505. 4-12-83 Letter regarding electronic automation. 4-8-83 Letter regarding the 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. 2-28-83 Letter discusses annual audits requirement contained in Section 17.1(a), Title 10 of the Pennsylvania Code. 2-15-83 Letter discusses mortgage loans requiring special consideration such as those affected by temporary unemployment of borrower. 2-2-83 Letter discusses Garn-St. Germain Depository Institution Act of 1982 overriding substantially equal payments requirements of Section 310 of the Banking Code of 1965. 1-24-83 Letter discusses exercising of compassion and forbearance in dealing with unemployed customers. 1-17-83 Letter discusses recent amendments to Chapter 7 of he Banking Code of 1965, as amended. 1-3-83 Letter concerns substantial increase in the number of institutions advertising repurchase agreements. 1982 12-8-82 Letter discusses examination of PA Bank Holding Companies by Department. 11-1-82 Letter lists legal bank holidays for 1983. 7-30-82 Letter addressed to thrift CEOs and discusses asset restatement accounting. 7-2-82 Letter to MVSFA licensees discusses Act No. 160 of 1982 and maximum permissible finance charges. 6-4-82 Letter discusses House Bill No. 1739, Act No. 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 of 1965. 6-4-82 Letter discusses House Bill No. 1889, Act No. 44 of 1982, which amended sections 113, 114, 115, 903, 904 and 905 of the Banking Code of 1965. 4-5-82 Letter announces change of policy from capital-to-deposit ratio as a measurement of capital adequacy to capital-to-assets ratio. 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 27-28, 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. 1981 11-20-81 Letter lists legal bank holidays for 1982. 10-13-81 Letter discusses sections 702(c) and 610(c) of the Banking Code of 1965, as amended. 10-9-81 Letter announces CSBS Computer Audit and Control Conference for Bankers. 1-21-81 Notice of authorization to close banks in Philadelphia for official celebrations. 1980 11-7-80 Letter lists legal bank holidays for 1981. 10-28-80 Letter discusses proposed amendments to Department regulations pertaining to Legal Reserve Funds, 10 Pa. Code, Chapter 11. 7-7-80 Letter announces ''Day with the Secretary'' program. 6-17-80 Letter discusses Chapter 7 and Section 103 of the Banking Code of 1965, as amended, and Section 202 of the Banking Code of 1933, as amended, legal reserves of PA nonmember banks. 6-10-80 Letter discusses Section 318 of the Banking Code of 1965 and permissible interest computations. 5-29-80 Letter discusses Act No. 51 of 1980, amending various provisions of the Banking Code of 1965 (P. L. 847, No. 346). 3-13-80 Letter discusses proposed legislation requiring mandatory reserves to be maintained at the Federal Reserve. 2-14-80 Letter discusses Act No. 286 of 1980 and new requirements for CPAs. 2-4-80 Letter discusses conversions of PA National Banks to State Charters. 1-2-80 Letter discusses federal law preemption of first lien residential mortgage rate portion of Pennsylvania usury law. 1979 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. 11-16-79 Letter discusses legal bank holidays. 11-1-79 Letter discusses attempts to curb inflation and to maintain stability and balance in Pennsylvania. 10-26-79 Letter regarding a Conference on technological revolution involving electronics. 10-9-79 Letter discusses Outstanding Mortgage Loans 10-8-79 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. 7-26-79 Letter discusses outstanding mortgage loans. 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
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