Policies and Guidance

Fee Schedules

• Banks, Trusts, Savings & Loans - July 1, 2020 - June 30, 2021
• Credit Unions - July 1, 2020 - June 30, 2021
• Consumer Credit - July 1, 2020 - June 30, 2021

Depository Institutions

• Advisory Letter 2019-02_ LIBOR
• Advisory Letter 2019-01, Lease Accounting
• Advisory Letter 2018-03, Security Breach Notification
• Advisory Letter 2018-01, Credit Unions: Loan Regime Split-Dollar Life Insurance Programs
• Advisory Letter 2017-04, Credit Union School Branches
• Advisory Letter 2012-01, Credit Union Purchases of BOLI

Consumer Credit

Letters/Interpretations

• Advisory Letter 2020-01 SEA 395 Law Changes
  • SEA 395 Q&A (Rev. 8.14.20)         
• Advisory Letter 2019-01 Delinquency Charges
• Administrative Interpretation 2018-1, Lease to Own Transactions
• Advisory Letter 2017-03 Lease-Here, Pay-Here
• Advisory Letter 2017-02 Loansharking
• Advisory Letter 2017-01 RPAA Initial Payments

Publications

• CPAP Advisory 6-21-19
• GAP and Debt Cancellation Guidance 4-2-18
• 2018 Legislative Changes - Consumer Credit Q&A
• Mortgage Lending and Fraud Prevention Taskforce (2008 – current)

Small Loan License Documents

• Small Loan Extended Payment Plan Model Form
• Small Loan Pamphlet
• Small Loan Pamphlet (eff. Jan. 1, 2021)
• Indiana Small Loan Requirements (SSN/TIN)

Policies

• Policy Regarding Credit Unions Issuance of Subordinated Debt
• Policy Establishing Expedited Branch Procedures
• Applicability of the State's legal lending limit statutes to Bankers Healthcare Group loans
• Corporate Fiduciary Resolution Plan
• Revised Corporate Fiduciary Ratings Effective January 31, 2014
• Policy Establishing Criteria For Exemption Of Dividend Approval By The Department 4-11-13
• Standards for the Risk Management of Corporate Account Takeovers
• Standing Examination Sharing Cover Letter - March 2013
• Statement Of Procedure For Obtaining Standing Authority To Share Examination Findings With Authorized External Auditors_Outside Counsel_Officers And Employees - April 2013
• Policy Regarding the Ability of State-Chartered Depository Institutions to Engage in Derivative Transactions
• Policy Regarding Remote Participation in Members' Meetings by DFI Members
• Emergency Bank Closing Statute - February 2010
• Policy Regarding the Purchase and Holding of U.S. Government Sponsored Entity Equity Securities
• Refund Policy on Consumer Credit Application and Other Fees - Spring 2010
• Parity Order Allowing IN State Chartered CU to Provide Health Savings Accounts to Their Members
• Audit Policy
• Policy for Closing a Branch Office
• Policy for Establishing a Bank Subsidiary
• Trust Preferred Securities
  • Trust Preferred Securities - Addendum
  • Trust Preferred Securities - Addendum 2

Nationwide Supervisory Agreements signed by Indiana

• State Federal Working Group: Recommended Practices for the Seamless Supervision of State-Chartered Banks
• Nationwide Cooperative Agreement
• Nationwide State-Federal Supervisory Agreement
• Nationwide Cooperative Agreement Multi-State Trust Institutions
• Letter Agreement Regarding Provision of Jointly Held Confidential Supervisory Information to the Financial Crimes Enforcement Network
• Memorandum of Understanding Between US Dept of Treasury Office of Foreign Asset Control and DFI
• Memorandum of Understanding Between US Dept of Treasury Financial Crimes Enforcement Network and the DFI
• Memorandum of Understanding between IRS and DFI Concerning Money Services Businesses and Certain Other Non-Bank Financial Institutions

Procedures

• Guidelines for Banks Issuing Subordinated Debt Securities at the Bank Level  
• Lending Limit of Industrial Loan and Investment Companies
• Factors to Consider When Reviewing Branch/Relocation Applications