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Mortgage Banking, Comptroller's Handbook

Comptroller's Handbook A-MB. Safety and Soundness Capital Asset Sensitivity to Other Adequacy Quality Management Earnings Liquidity Market Risk Activities (C) (A) (M) (E) (L) (S) (O). Mortgage banking Version , February 2014. Of ce of the Comptroller of the Currency Washington, DC 20219. Version Contents Introduction ..1. Background .. 1. Primary and Secondary Mortgage Markets .. 2. Fundamentals of Mortgage 3. Common Mortgage banking Structures .. 4. Mortgage banking Profitability .. 4. Statutory and Regulatory Authority .. 9. Preemption and Visitorial Powers .. 10. Capital Requirements .. 11. Risks Associated With Mortgage banking .. 12. Credit Risk .. 12. Interest Rate Risk .. 13. Liquidity Risk .. 13. Price Risk .. 14. Operational Risk .. 14. Compliance Risk .. 16. Strategic Risk .. 18. Reputation 19. Risk Management .. 20. Management and Supervision .. 20. Internal and External Audits .. 21. Information Technology .. 22. Mortgage banking Functional Areas.

Mortgage banking is a cyclical business, and earnings can be volatile. Without proper management, a profitable mortgage banking operation can quickly generate substantial losses. Consistent profitability in mortgage banking requires a significant level of oversight by the board and senior management, and careful management of all mortgage banking

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www.occ.treas.gov

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www.federalreserve.gov

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