Notice is hereby given that on November 9, 2006, the Assistant Managing Director, Examinations and SupervisionOperations, Office of Thrift Supervision (OTS), or her designee, acting pursuant to delegated authority, approved the application of osage Federal MHC and Osage Federal Bank, Pawhuska, Oklahoma, to convert to the stock form of

DEPARTMENT OF TREASURY : Thrift Supervision Office

Notice is hereby given that on November 8, 2006, the Assistant Managing Director, Examinations and SupervisionOperations, Office of Thrift Supervision (OTS), or her designee, acting pursuant to delegated authority, approved the application of Westfield Mutual Holding Company and Westfield Bank, Westfield, Massachusetts, to convert to the stock

DEPARTMENT OF THE TREASURY : Thrift Supervision Office

The Department of the Treasury, as part of its continuing effort to reduce paperwork and respondent burden, invites the general public and other Federal agencies to comment on proposed and continuing information collections, as required by the Paperwork Reduction Act of 1995, 44 U.S.C. 3507. The Office of Thrift Supervision within the Department

DEPARTMENT OF THE TREASURY : Thrift Supervision Office

The Department of the Treasury, as part of its continuing effort to reduce paperwork and respondent burden, invites the general public and other Federal agencies to comment on proposed and continuing information collections, as required by the Paperwork Reduction Act of 1995, 44 U.S.C. 3507. The Office of Thrift Supervision within the Department

DEPARTMENT OF THE TREASURY : Thrift Supervision Office

The Department of the Treasury, as part of its continuing effort to reduce paperwork and respondent burden, invites the general public and other Federal agencies to comment on proposed and continuing information collections, as required by the Paperwork Reduction Act of 1995, 44 U.S.C. 3507. The Office of Thrift Supervision within the Department

DEPARTMENT OF THE TREASURY : Thrift Supervision Office

OTS is issuing final guidance: Concentrations in Commercial Real Estate (CRE) Lending, Sound Risk Management Practices (guidance). OTS developed this Guidance to clarify that institutions actively engaged in CRE lending should assess their concentration risk and implement appropriate risk management policies and procedures to identify, monitor,

DEPARTMENT OF THE TREASURY : Thrift Supervision Office

In accordance with the requirements of the Paperwork Reduction Act of 1995 (44 U.S.C. 3507), OTS may not conduct or sponsor, and the respondent is not required to respond to, an information collection unless it displays a currently valid OMB control number. On July 31, 2006, OTS requested public comment for 60 days (71 FR 43286) on proposed

DEPARTMENT OF THE TREASURY : Thrift Supervision Office

In this notice of proposed rulemaking (proposal), OTS is proposing changes to its Community Reinvestment Act (CRA) regulations in four areas to reestablish uniformity between its regulations and those of the other Federal banking agencies. OTS is proposing revisions to its CRA rule to promote consistency and help facilitate objective evaluations

DEPARTMENT OF THE TREASURY : Thrift Supervision Office

In accordance with the requirements of the Paperwork Reduction Act of 1995 (44 U.S.C. chapter 35), the OCC, the Board, the FDIC, and the OTS (the ``agencies'') may not conduct or sponsor, and the respondent is not required to respond to, an information collection unless it displays a currently valid Office of Management and Budget (OMB) control

DEPARTMENT OF THE TREASURY : Thrift Supervision Office

The proposed information collection requirement described below has been submitted to the Office of Management and Budget (OMB) for review and approval, as required by the Paperwork Reduction Act of 1995. OTS is soliciting public comments on the proposal.

DEPARTMENT OF THE TREASURY : Thrift Supervision Office

The Department of the Treasury, as part of its continuing effort to reduce paperwork and respondent burden, invites the general public and other Federal agencies to comment on proposed and continuing information collections, as required by the Paperwork Reduction Act of 1995, 44 U.S.C. 3507. The Office of Thrift Supervision within the Department

DEPARTMENT OF THE TREASURY : Thrift Supervision Office

The proposed information collection requirement described below has been submitted to the Office of Management and Budget (OMB) for review and approval, as required by the Paperwork Reduction Act of 1995. OTS is soliciting public comments on the proposal.

DEPARTMENT OF THE TREASURY : Thrift Supervision Office

Notice is hereby given that on September 11, 2006, the Assistant Managing Director, Examinations and SupervisionOperations, Office of Thrift Supervision (OTS), or her designee, acting pursuant to delegated authority, approved the application of Citizens Community MHC and Citizens Community Federal, Eau Claire, Wisconsin, to convert to the

DEPARTMENT OF THE TREASURY : Thrift Supervision Office

The OCC, Board, FDIC, OTS, and NCUA (the Agencies), request comment on these Proposed Illustrations of Consumer Information for Nontraditional Mortgage Products. The illustrations are intended to assist institutions in implementing the consumer protection portion of the Interagency Guidance on Nontraditional Mortgage Product Risks (Interagency

DEPARTMENT OF THE TREASURY : Thrift Supervision Office

The OCC, Board, FDIC, OTS, and NCUA (the Agencies), are issuing final Interagency Guidance on Nontraditional Mortgage Product Risks (guidance). This guidance has been developed to clarify how institutions can offer nontraditional mortgage products in a safe and sound manner, and in a way that clearly discloses the risks that borrowers may assume.

DEPARTMENT OF THE TREASURY : Thrift Supervision Office

In accordance with the requirements of the Paperwork Reduction Act of 1995 (44 U.S.C. 3507), OTS may not conduct or sponsor, and the respondent is not required to respond to, an information collection unless it displays a currently valid OMB control number. Today, OTS is submitting proposed revisions to this collection of information to OMB for

DEPARTMENT OF THE TREASURY : Thrift Supervision Office

This notice revises OTS guidance relating to the Community Reinvestment Act (CRA).

DEPARTMENT OF THE TREASURY : Thrift Supervision Office

In accordance with the requirements of the Paperwork Reduction Act of 1995, the OCC, the Board, the FDIC, the OTS, the NCUA, and the FTC (Agencies) may not conduct or sponsor, and the respondent is not required to respond to, an information collection unless it displays a currently valid Office of Management and Budget (OMB) control number.

DEPARTMENT OF THE TREASURY : Thrift Supervision Office

In accordance with the requirements of the Paperwork Reduction Act of 1995 (44 U.S.C. 3507), OTS may not conduct or sponsor, and the respondent is not required to respond to, an information collection unless it displays a currently valid OMB control number. On April 28, 2006, OTS requested public comment for 60 days (71 FR 25282) on proposed

DEPARTMENT OF THE TREASURY : Thrift Supervision Office

The Department of the Treasury, as part of its continuing effort to reduce paperwork and respondent burden, invites the general public and other Federal agencies to comment on proposed and continuing information collections, as required by the Paperwork Reduction Act of 1995, 44 U.S.C. 3507. The Office of Thrift Supervision within the Department

DEPARTMENT OF THE TREASURY : Thrift Supervision Office

The Department of the Treasury, as part of its continuing effort to reduce paperwork and respondent burden, invites the general public and other Federal agencies to comment on proposed and continuing information collections, as required by the Paperwork Reduction Act of 1995, 44 U.S.C. 3507. The Office of Thrift Supervision within the Department

DEPARTMENT OF THE TREASURY : Thrift Supervision Office

The Department of the Treasury, as part of its continuing effort to reduce paperwork and respondent burden, invites the general public and other Federal agencies to comment on proposed and continuing information collections, as required by the Paperwork Reduction Act of 1995, 44 U.S.C. 3507. Today, the Office of Thrift Supervision within the

DEPARTMENT OF THE TREASURY : Thrift Supervision Office

The Office of Thrift Supervision (OTS) is proposing to clarify its regulations regarding stock benefit plans established after mutual tostock conversions or in mutual holding company structures. In addition, OTS proposes to reduce the voting requirements for the adoption of stock benefit plans in mutual holding company structures and to make

DEPARTMENT OF THE TREASURY : Thrift Supervision Office

A savings association must obtain OTS approval (or non- objection) before it may include subordinated debt securities or mandatorily redeemable preferred stock in supplementary (tier 2) capital. OTS rules at 12 CFR 563.81 set forth application and notice procedures, requirements that securities must meet in order to be included in supplementary

DEPARTMENT OF THE TREASURY : Thrift Supervision Office

Notice is hereby given that on May 15, 2006, the Assistant Managing Director, Examinations and SupervisionOperations, Office of Thrift Supervision (OTS), or her designee, acting pursuant to delegated authority, approved the application of First Federal Financial Services, MHC, and First Federal Savings and Loan Association of Edwardsville,

DEPARTMENT OF THE TREASURY : Thrift Supervision Office