Beruflich Dokumente
Kultur Dokumente
Eleventh Edition
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ISBN: 0-89982-689-X
Contents
EXHIBIT LIST
XIII
PREFACE
ACKNOWLEDGMENTS
CHAPTER 1
XV
LEARNING OBJECTIVES
INTRODUCTION
BANK EMPLOYEES
BANK COMPETITORS
Credit Unions
Savings Institutions
Brokerage Firms
Finance Companies
Insurance Companies
Mutual Funds
Money Market Funds
Mortgage Companies
Money Service Businesses
BANK REGULATORS
Federal Reserve System (Fed)
Office of the Comptroller of the Currency (OCC)
Federal Deposit Insurance Corporation (FDIC)
Consumer Financial Protection Bureau (CFPB)
State Banking Departments
Bank Regulations
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Principles of Banking
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SUMMARY
SELF-CHECK AND REVIEW
CHAPTER 2
BANKS AS BUSINESSES
LEARNING OBJECTIVES
INTRODUCTION
BANKS AS FINANCIAL INTERMEDIARIES
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Contents
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SUMMARY
SELF-CHECK AND REVIEW
CHAPTER 3
DEPOSIT ACCOUNTS
LEARNING OBJECTIVES
INTRODUCTION
THE DEPOSIT FUNCTION
Money Supply
Safety
Customer Convenience
DEPOSIT-RELATED SERVICES
Options for Depositing Funds
Types of Deposited Items
Accessing Funds and Account Information
SUMMARY
SELF-CHECK AND REVIEW
CHAPTER 4
LEARNING OBJECTIVES
INTRODUCTION
CASH AS A PAYMENT SYSTEM
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Principles of Banking
CHECK FRAUD
Check Counterfeiting and Alteration
Closed Account Fraud
Check Kiting
Bank Efforts to Combat Check Fraud
SUMMARY
SELF-CHECK AND REVIEW
CHAPTER 5
ELECTRONIC BANKING
LEARNING OBJECTIVES
INTRODUCTION
THE DEVELOPMENT OF ELECTRONIC BANKING
The Roots of Electronic Banking
Trends in Electronic Banking
SUMMARY
SELF-CHECK AND REVIEW
vi
Contents
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CHAPTER 6
LENDING
LEARNING OBJECTIVES
INTRODUCTION
THE LENDING FUNCTION
Sources of Credit
Banks as Lenders
LOAN CATEGORIES
Consumer Loans
Real Estate Loans
Business Loans
Government as Borrower and Loan Supporter
LOAN POLICY
LAWS AND REGULATIONS
Dodd-Frank and Consumer Lending
Equal Credit Opportunity Act
Truth in Lending Act
Credit CARD Act
Community Reinvestment Act
Loans to Bank Insiders
Home Mortgage Disclosure Act
Real Estate Settlement Procedures Act
Fair Credit Reporting Act
Flood Disaster Protection Act
Bank Lending Limits
SUMMARY
SELF-CHECK AND REVIEW
CHAPTER 7
LEARNING OBJECTIVES
INTRODUCTION
FINANCIAL HEALTH EQUALS PERSONAL WEALTH
Banks and Financial Planning
Financial Planning Goals
Time Value of Money
Risk Management Considerations
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Principles of Banking
vii
INSURANCE PROTECTION
Life Insurance
Health, Disability, and Long-term Care Insurance
Property, Title, and Vehicle Insurance
Liability Insurance
INVESTMENT SERVICES
Investment Strategies
Portfolio Management
RETIREMENT PLANNING
Social Security and Pensions
Individual Retirement Accounts
Estate Planning
TRUST SERVICES
Estate Settlement
Trust Administration
Guardianships
Personal Agency Services
SUMMARY
SELF-CHECK AND REVIEW
CHAPTER 8
LEARNING OBJECTIVES
INTRODUCTION
BUSINESS BANKING SERVICES
Cash Management
Insurance
Capital Markets
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Contents
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INTERNATIONAL BANKING
International Banking Structures
International Payments
Foreign Exchange Services
SUMMARY
SELF-CHECK AND REVIEW
CHAPTER 9
LEARNING OBJECTIVES
INTRODUCTION
MARKETING AND SELLING TODAY
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Principles of Banking
ix
Postpurchase Assessment
PRODUCT DEVELOPMENT
LAWS AND REGULATIONS
FDIC Insurance Notification
Unfair, Deceptive, or Abusive Acts or Practices
Do Not Call, Do Not Fax
Prescreening
E-Commerce and Social Media Guidance
CAN-SPAM Act
SUMMARY
SELF-CHECK AND REVIEW
CHAPTER 10
LEARNING OBJECTIVES
INTRODUCTION
PROTECTING CUSTOMER INFORMATION
Data Security
CUSTOMER IDENTIFICATION
Account Identification Requirements
Account Access Identification Methods
Identity Theft
FRAUD SCHEMES
Bank Card Fraud
Telephone Fraud
Advance Fee Fraud
Letter of Credit Fraud
Prime Bank Note Fraud
Cashiers Check Scams
Phishing
Pharming
Text Message Fraud
Elder Financial Abuse
Contents
THE
BANK
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SUMMARY
SELF-CHECK AND REVIEW
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GLOSSARY
267
INDEX
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Principles of Banking
xi