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Financial Institutions

Professional Regulation

Banks and Trust Companies

Policies, Procedures and Exam Guidelines

The following policies, procedures and examination guidelines are designed to replace the policies and procedures contained in the orange "Illinois Banking Policies and Agency Rules" manual formerly published by the Illinois Commissioner of Banks and Trust Companies.

These policies, procedures and examination guidelines are not administrative rules but are designed to state the Agency's position or policy on a certain matter or outline an examination procedure utilized by the Agency.

This is not a comprehensive listing of all policies, procedures and examination guidelines of the Bureau of Banks and Trust Companies but rather are those which are most frequently asked by bankers and attorneys representing banks and trust companies.

The statements contained in this section are subject to revision and may in the future be codified as part of the administrative rule making activities of the Agency.


	POLICY STATEMENT	TOPIC

	1000	AFFECTING ALL DIVISIONS OF THE BUREAU
	1001	Appeal of Examination Findings (Rescinded 1/5/2004; 1001 Replaced with 38 Ill Adm Code 385)
	1002	Disclosure of Enforcement Actions
	1003	Meetings By Means of Electronic Device
	1004	Reliance on Rules, Interpretations or Opinions Issued by the Bureau of Banks and Trust Companies (Revised 1/14/98)
	1005	Interagency Statement on Retail Sales of Nondeposit Investment Products
	1006	Year 2000 Rating System (Rescinded 12/31/2001)
	1007	Uniform Rating System for Information Technology (NOTE: This document is in Adobe PDF Format)
	1008	Schedule of Fees
	1009	Guidance Concerning the Employment Practices of Regulated Institutions


	2000	COMMERCIAL BANKING
	2001	Eliminating Violations of Law Pertaining to Lending, Investment and Lease Limitations
	2002	Special Mention and Adverse Classification Guidelines (NOTE: This document is in Adobe PDF Format)
	2003	Bank Lease Agreements with Insurance Registered Firms and Insurers
	2004	IRA and Keogh Accounts
	2005	Gold Dealing
	2006	Bank Purchase of Life Insurance
	2007	Campaign Contributions
	2008	Uniform Financial Institutions Rating System
	2009	Minimum Organizational Capital Requirements for State Banks (Rescinded 1/5/2004; 2009 Replaced with 38 Ill Adm Code 310)
	2010	Branch Names


	3000	CORPORATE TRANSACTIONS AND ACCOUNTING ISSUES
	3001	Quasi-Reorganization
	3002	Goodwill


	4000	FIDUCIARY ACTIVITIES
	4001	Uniform Interagency Trust Rating System
	4002	Minimum Organizational Capital Requirement for Illinois Trust Companies (Rescinded 1/5/2004; 4002 Replaced with 38 Ill Adm Code 310)
	4004	Annual Audit of Corporate Fiduciaries
	4005	Annual Audit of Illinois Trust Companies
	4006	Reporting of Robbery, Shortage, or Misapplication of Funds


	5000	INTERNATIONAL BANKING
	5001	Rating System for U.S. Branches and Agencies of Foreign Banking Organizations