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Failed Financial Institution Litigation: Remember When*
\\server05\productn\N\NYB\5-1\NYB101.txt unknown Seq: 1 27-APR-09 15:14 FAILED FINANCIAL INSTITUTION LITIGATION: REMEMBER WHEN* RICHARD D. BERNSTEIN JOHN R. OLLER JESSICA L. MATELIS** INTRODUCTION As the global economic crisis continues, the effect of the credit crisis and fair value accounting will create a likely up- surge in litigation, reminiscent of the wave of lawsuits spawned by the Savings and Loan crisis of 1988-1994 (“S&L crisis”). The body of law developed during the S&L crisis provides a ready starting point for this new round of failed financial institution litigation. Moreover, new developments since the S&L crisis will also be tested in the coming years. The Federal Deposit Insurance Corporation (“FDIC”) and the Resolution Trust Corporation (“RTC”), in their capac- ity as receivers,1 and the Office of Thrift Supervision (“OTS”), in its regulatory capacity, spearheaded much of the S&L litiga- tion. The FDIC, RTC, and OTS aggressively pursued officers and directors of failed banks and thrifts, as well as various third parties, including audit firms, law firms, and a then-major in- vestment bank, that provided services to the failed institutions. At the height of the S&L crisis, the combined direct and indi- rect payments by the FDIC and the RTC to outside counsel in 1991 reached over $700 million. The collapse of Washington Mutual in September 2008 represented the largest bank failure in U.S. history;2 added to IndyMac’s collapse in July 2008 and the failure of a number of * “We lived and learned, life threw curves/There was joy, there was hurt/Remember when.” Remember When, lyrics by Alan Jackson. -
Dartmouth Law Journal Vol. 12.2 Fall 2014
BAEZ PROSECUTORIAL DISCRETION ADVISED: ANALYZING THE PROPER ROLE OF “ECONOMIC CONSEQUENCES” AS A FACTOR IN FEDERAL PROSECUTORIAL DECISIONS NOT TO SEEK CRIMINAL CHARGES LUIS BAEZ** The 2008 housing and financial crisis produced numerous books, documentaries, and legal works around the term “Too Big to Jail.” Though the United States Justice Department claimed that the term’s applicability to the financial crisis was mostly conjecture, the past few years has indicated it is—for the most part—true. While other legal and scholarly works have discussed the term and its validity, this article argues that prosecutors should be entirely barred from considering “economic consequences” of their decisions whether or not to bring criminal charges against a person or other legal entity in order to uphold justice within the criminal system. ! INTRODUCTION ............................................................................................. 2 I. THE SOURCE OF FEDERAL PROSECUTORIAL DISCRETION ..................... 4 A. The Decision to Charge ................................................................ 5 B. Selecting the Charge ..................................................................... 5 II. RULES THAT GOVERN PROSECUTORIAL DISCRETION ............................ 6 III. THE HANDLING OF PAST CORPORATE CRIMES ...................................... 9 A. The Great Depression ................................................................... 9 B. Savings & Loan Crisis ................................................................. -
Directory of the Exchange®Atm Locations in Canada
DIRECTORY OF THE EXCHANGE®ATM LOCATIONS IN CANADA Winter 2012/13 YOUR ATM NETWORK TABLE OF CONTENTS Alberta ..................................................................................................... 1 British Columbia ...................................................................................... 2 Manitoba ............................................................................................... 14 New Brunswick ...................................................................................... 15 Newfoundland ....................................................................................... 18 Nova Scotia ........................................................................................... 21 Ontario .................................................................................................. 26 Prince Edward Island ............................................................................ 46 Quebec ................................................................................................. 47 Saskatchewan ....................................................................................... 66 DIRECTORY OF ATM LOCATIONS WINTER 2012/13 ALBERTA St. Albert Canadian Western Bank HSBC Bank Canada 300 – 700 St. Albert Road 400-665 St. Albert Road Calgary Canadian Western Bank Canadian Western Bank Canadian Western Bank #300, 5222 - 130 Ave. SE 606 4th Street SW 6606 MacLeod Trail SW HSBC Bank Canada HSBC Bank Canada HSBC Bank Canada 1217 Kensington Road NW 140, 815 – 17th Avenue SW 212-111 -
Credit Union Guidebook
Retail Impact Investing A GUIDEBOOK FOR CANADIAN CREDIT UNIONS FOREWORD Impact investing has the potential to be a growth opportunity and differentiator for the Canadian credit union sector. Today, impact investment options exist primarily for institutional and accredited investors. The opportunities for everyday investors to generate a return, while generating positive impact, are limited – this, despite evidence of market interest led by millennials and others. Credit unions are well positioned to tap into this opportunity. A core part of their mission is to ensure the financial, social and environmental well-being of the communities they serve: a mission that is aligned with the principles of impact investing. We see this Guidebook as a tangible resource to help credit unions address a marketplace gap and empower members to make investments that will have demonstrable, positive impacts in their communities. The Guidebook offers credit unions of all sizes and at all stages of their social responsibility journey actionable ideas of how to create and deploy retail impact investment products for their members. The guide also points to recommendations that the credit union sector as a whole can undertake. The Canadian Credit Union Association (CCUA) is committed to working with credit unions to explore how these recommendations can be advanced. We welcome your ideas and feedback - contact us at www.impactinvesting.ca/contact. CCUA is proud to have partnered with Purpose Capital, Employment and Social Development Canada, as well as a number of interested credit unions, to develop and share the research in this Guidebook. We want to extend our gratitude to Affinity Credit Union, Alterna Savings and Credit Union, Assiniboine Credit Union, Conexus Credit Union, DUCA Financial Services Credit Union, Libro Credit Union, Mennonite Savings & Credit Union, Meridian Credit Union, Servus Credit Union and Vancity Credit Union for their support and contribution to the development of this Guidebook. -
BANK MERGERS: IS BIGGER BETTER? Introduction
BANK MERGERS: IS BIGGER BETTER? Introduction In January 1998, the Bank of Montreal and the Royal Bank of Canada announced plans to merge and create one superbank. A few months later, in April, the Toronto Dominion Bank and the Canadian Imperial Bank of Commerce announced similar plans. The proposed bank mergers caught many people off guard, including Minister of Finance Paul Martin. In a Macleans interview, Martin said, "Just because they decided to get into bed together doesnt mean that I have to bless their union." Martins message seemed to be that Ottawa, not the banks, would decide the future of banking in Canada. "There will be no mergers in the banking sector until we are convinced that [it] is what is best for Canadians, and we will not be stampeded into making that decision." According to the banks, the proposed mergers were a natural response to a changing and highly competitive global marketplace. Mergers, they said, provide a way of maintaining a strong Canadian presence in the banking industry. Certainly, recent technological advances have dramatically changed the manner in which the financial services industry conduct their business, and the above- mentioned banks feel, therefore, that they need to be bigger to compete and to have a substantial presence in the global banking community. Martin himself acknowledged the changed nature of banking when he said, "If you look back at banking five years ago, you might as well look back two centuries." While the proposed bank mergers brought attention to the challenges facing Canadas banks, these challenges are not peculiar to the banks alone. -
Making Banking Easier at Every Step
2015Annual Report Making banking easier at every step. © BlueShore Financial Credit Union 2015 Annual Report of BlueShore Financial Credit Union. TABLE OF CONTENTS Leadership Viewpoints 3 Easy to do Business With 4 Achievements & Advancements 5 Celebrating 75 Years 6 Advancing Growth & Profitability 7 Report of the Independent Auditor 8 Financial Results & Message to Members 9 Accountability & Transparency 10 © BlueShore Financial Credit Union Leadership Viewpoints Message from Board and Management Chris Catliff, President When we ask clients what they need more of, it’s often not more money, it’s more and CEO, and Dave time. We are all more time-starved than ever before. This is why BlueShore Financial Davenport, Chair, Board continues to introduce new services to save time and increase convenience, while of Directors, in the new remaining true to our commitment to develop long-term relationships to improve BlueShore Financial our clients’ overall financial well-being. branch in Edgemont Village, North Vancouver Through client research you’ve told us that “being easy to do business with” is a priority. We achieve this by combining easy-to-use mobile and digital solutions with our team of trusted advisors to make which opened in fall 2015. the complex, simple; the routine, convenient; and the time-consuming, streamlined. In addition to launching new online and mobile services for our clients in 2015, we exceeded financial objectives reaching $4 billion in Assets Under Administration, achieved robust growth in total loans and deposits, and reduced loan delinquency to a mere 8 basis points, the lowest level in our history. For 75 years we have put our clients first, building a stable, profitable, award-winning credit union along the way. -
Jazz-Fest-2017-Program-Guide.Pdf
JUNE 22 – JULY 2 | 2017 /coastaljazz | #VanJazzFest | COASTALJAZZ.CA 20TH ANNIVERSARY SEASON 2017 181 CHAN CENTRE PRESENTS SERIES The Blind Boys of Alabama with Ben Heppner I SEP 23 The Gloaming I OCT 15 Zakir Hussain and Dave Holland: Crosscurrents I OCT 28 Ruthie Foster, Jimmie Dale Gilmore and Carrie Rodriguez I NOV 8 The Jazz Epistles: Abdullah Ibrahim and Hugh Masekela I FEB 18 Lila Downs I MAR 10 Daymé Arocena and Roberto Fonseca I APR 15 Circa: Opus I APR 28 BEYOND WORDS SERIES Kate Evans: Threads I SEP 29 Tanya Tagaq and Laakkuluk Williamson Bathory I MAR 16+17 SUBSCRIPTIONS ON SALE MAY 2 DAYMÉ AROCENA THE BLIND BOYS OF ALABAMA HUGH MASEKELA TANYA TAGAQ chancentre.com Welcome to the 32nd Annual TD Vancouver International Jazz Festival TD is pleased to bring you the 2017 TD Vancouver International Jazz Festival, a widely loved and cherished world-class event celebrating talented and culturally diverse artists from Canada and around the world. In Vancouver, we share a love of music — it is a passion that brings us together and enriches our lives. Music is powerful. It can transport us to faraway places or trigger a pleasant memory. Music is also one of many ways that TD connects with customers and communities across the country. And what better way to come together than to celebrate music at several major music festivals from Victoria to Halifax. ousands of fans across British Columbia — including me — look forward to this event every year. I’m excited to take in the music by local and international talent and enjoy the great celebration this festival has to o er. -
Turning a Blind Eye: Why Washington Keeps Giving in to Wall Street
GW Law Faculty Publications & Other Works Faculty Scholarship 2013 Turning a Blind Eye: Why Washington Keeps Giving In to Wall Street Arthur E. Wilmarth Jr. George Washington University Law School, [email protected] Follow this and additional works at: https://scholarship.law.gwu.edu/faculty_publications Part of the Law Commons Recommended Citation Arthur E. Wilmarth, Jr., Turning a Blind Eye: Why Washington Keeps Giving In to Wall Street, 81 University of Cincinnati Law Review 1283-1446 (2013). This Article is brought to you for free and open access by the Faculty Scholarship at Scholarly Commons. It has been accepted for inclusion in GW Law Faculty Publications & Other Works by an authorized administrator of Scholarly Commons. For more information, please contact [email protected]. GW Law School Public Law and Legal Theory Paper No. 2013‐117 GW Legal Studies Research Paper No. 2013‐117 Turning a Blind Eye: Why Washington Keeps Giving In to Wall Street Arthur E. Wilmarth, Jr. 2013 81 U. CIN. L. REV. 1283-1446 This paper can be downloaded free of charge from the Social Science Research Network: http://ssrn.com/abstract=2327872 TURNING A BLIND EYE: WHY WASHINGTON KEEPS GIVING IN TO WALL STREET Arthur E. Wilmarth, Jr.* As the Dodd–Frank Act approaches its third anniversary in mid-2013, federal regulators have missed deadlines for more than 60% of the required implementing rules. The financial industry has undermined Dodd–Frank by lobbying regulators to delay or weaken rules, by suing to overturn completed rules, and by pushing for legislation to freeze agency budgets and repeal Dodd–Frank’s key mandates. -
Annual Report 2014-2015
Expanding our blanket of support across North Carolina. Monarch is a statewide 501(c)3 non-profit. The shaded ANNUAL areas of the map indicate Monarch’s physical REPORT service locations. 2013-2014 Count the Reasons Monarch Matters 23,000 individuals supported by Monarch 2,900 children receiving services and supports 231 people placed in jobs by Monarch $698,853 reflects economic impact for Monarch volunteer hours 92.6% report they would get services from Monarch, even if other choices were available 93.6% report they would recommend Monarch to a friend or family member State Rent and Fees for Services Medicare and Private Insurance Grants, Fundraising, Other County and Local Funding Medicaid Revenue 14 Spring/Summer 2015 REACHING DREAMS Would YOU like to join us to help the people we support live their dreams and achieve what is important to them? For your convenience, a reply envelope is included in this issue of Reaching Dreams. If you have questions or would like more information, please contact Blake Martin, (704) 986-1584. In April, participants from Monarch’s Forsyth Industrial Systems (FIS) attended Count the Reasons Monarch Matters the campaign party for the “Krispy Kreme Drive for 45.” Krispy Kreme teamed up 23,000 individuals supported by Monarch with former NASCAR driver Kyle Petty to 2,900 children receiving services and supports support Victory Junction Camp, which 231 people placed in jobs by Monarch provides a safe and fun environment $698,853 reflects economic impact for Monarch volunteer hours for chronically and seriously ill children. 92.6% report they would get services from Monarch, even if other choices were available Founded by Kyle and Pattie Petty, the camp honors their son Adam Petty, former 93.6% report they would recommend Monarch to a friend or family member NASCAR #45 driver who lost his life during a tragic racing accident. -
THURSDAY, NOVEMBER 14, 2013 Grand Hyatt Hotel San Antonio, Texas
THURSDAY, NOVEMBER 14, 2013 Grand Hyatt Hotel San Antonio, Texas THE PRIDE OF TEXAS BUSINESS WELCOME Mark M. Johnson Chairman, Texas Business Hall of Fame Edward E. Whitacre, Jr. Master of Ceremonies RECOGNITION OF TEXAS BUSINESS HALL OF FAME MEMBERS RECOGNITION OF 2013 INDUCTEES INVOCATION Reverend Trey H. Little DINNER RECOGNITION OF 2013 SCHOLARSHIP RECIPIENTS HALL OF FAME INDUCTION CEREMONY CLOSING REMARKS Mark M. Johnson Jordan Cowman Chairman, 2014, Texas Business Hall of Fame 2013 Inductees to the Texas Business Hall of Fame Charlie Amato Joseph M. “Jody” Grant Chairman/Co-Founder Chairman Emeritus and Texas Capital Bancshares, Inc. Gary Dudley Dallas President/Co-Founder SWBC H-E-B San Antonio Represented by Craig Boyan President, COO Tom Dobson San Antonio Chairman Whataburger Rex W. Tillerson San Antonio Chairman and CEO Exxon Mobil Corporation Paul Foster Irving Executive Chairman Western Refining, Inc. El Paso Charlie Amato & Gary Dudley Chairman/Co-Founder & President/Co-Founder SWBC | San Antonio Charlie Amato and Gary Dudley, Co-founders of SWBC, have had a long friendship. Through this friendship, they established SWBC, a company with more than three decades of dedication to not just great business and customer service, but also giving back to their community. Amato and Dudley met in grade school and were reunited in their college years. Both men graduated from Sam Houston State University with Bachelors of Business Administration degrees. After graduation they went their separate ways. Dudley became a coach and worked in the Houston school district for nine months before he was drafted into the armed forces. He spent six months on active duty with the US Marines (and six years as a reservist) before returning to coaching for another year. -
2020 Public Accountability Statement Contents
2020 Public Accountability Statement Contents About Us 1 Affiliates 1 Community Investments 2 Accessible Banking 10 Member Consultation and Public Engagement 12 Supporting Small Businesses 13 Business Financing 14 Employment 15 Workforce Diversity 16 Taxes 16 Location Openings, Closings and Relocations 17 Contact Information Back Cover $3.9 million. We also received recognition for our About Us commitment to making Coast Capital a great place to work through prestigious business accolades, like a BC’s Coast Capital Savings Federal Credit Union (Coast Top Employers, Canada’s Best Managed Companies and Capital) is Canada’s largest credit union by member- Canada’s Most Admired Corporate Cultures™ Hall of ship and B.C.’s first federal credit union. Owned by more Fame designations. To learn more about Coast Capital, than 594,000 members, Coast Capital offers personal visit coastcapitalsavings.com. and business banking and investment services across Canada digitally, by phone and through our 51 branches in the Metro Vancouver, Fraser Valley, Vancouver Island Affiliates and Okanagan regions of British Columbia. This document provides a public accountability report For 80 years, we have played an essential role in making of the activities of Coast Capital for the fiscal year a positive difference in the lives of each of our members beginning January 1, 2020, and closing December 31, by improving their financial well-being. With trusted 2020. As a federal credit union, we publish this report and personalized advice and a broad suite of bank- to meet regulatory requirements in Section 459.3 of the ing products and financial services, we’re enabling our Bank Act. -
Directory of the Exchange®Atm Locations in Canada
DIRECTORY OF THE EXCHANGE®ATM LOCATIONS IN CANADA SUMMER 2006 YOUR ATM NETWORK TABLE OF CONTENTS Alberta ......................................................................................................1 British Columbia .......................................................................................2 Manitoba.................................................................................................14 New Brunswick.......................................................................................15 Newfoundland.........................................................................................18 Nova Scotia ............................................................................................20 Ontario....................................................................................................24 Prince Edward Island..............................................................................37 Quebec...................................................................................................39 Saskatchewan ........................................................................................57 DIRECTORY OF ATM LOCATIONS SUMMER 2006 ALBERTA Calgary Canadian Western Bank Citizens Bank of Canada HSBC Bank Canada 6606 MacLeod Trail SW 505 Third St. SW 407-8th Avenue S.W HSBC Bank Canada HSBC Bank Canada HSBC Bank Canada 212-111 3rd Ave E 95 Crowfoot Centre NW 347 - 58th Avenue SE National Bank of Canada 301 6th Avenue Sw Edmonton Canadian Western Bank HSBC Bank Canada HSBC Bank Canada 10303