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1. payment of excessive dividends 2. pressure subsidiary banks to invest in high-risk assets 3. purchase/trade high risk assets for lower risk assets 4. purchase unnecessary services from affiliates 5. payment of excessive management or other fees {Ans: what are some methods that holding companies use to put pressure on banks?}Section 501(b) of the Gramm-Leach-Bailey Act {Ans: Examiner information ,may contain non-public customer information defined by what?}$100 billion, could increase up to $500 billion {Ans: FDI Act Section 14: FDI act allows the FDIC to borrowers how much money from the treasury?}~not included in capital ratios ~valuation allowance are on an asset-by-asset basis and netted from assets cost to determine gross amount of classification ~ general reserves - contra asset to ORE and netted from ORE category in the call report. to the degree general reserves adequately cover the risk inherent in the ORE portfolio as a whole, the amount of ORE classified loss will not be needed to be deducted from Tier1 Capital. {Ans: what are ORE reserves included in capital?}1. Standard - pre-established scheduled of fixed payments at the end of each construction phase 2. Progressive - monthly disbursements totaling 90% of the value