Savings Institutions: Mergers, Acquisitions and Conversions

Navigating the evolving landscape of savings institutions requires a detailed understanding of federal regulations, financial structures, and supervisory practices. Savings Institutions: Mergers, Acquisitions and Conversions is a vital resource for legal and financial professionals advising on complex transactions and regulatory compliance in the thrift industry. This authoritative guide covers critical topics such as thrift mergers and acquisitions, mutual-to-stock conversions, and the intricacies of the mutual holding company structure. It offers in-depth analysis of capital standards required for mergers, the Qualified Thrift Lender (QTL) test, and recent developments in electronic operations and internet banking. It also explores preemption of state laws, application of the Community Reinvestment Act to insurance companies, and the implications of anti-affiliation laws. It delves into key regulatory issues, including prompt corrective action under the Federal Deposit Insurance Act, transactions with affiliates and insiders, and executive compensation policies governed by the Office of Thrift Supervision (OTS). This treatise is essential for anyone involved in the strategic growth, restructuring, or compliance operations of savings institutions.

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