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Federal financial institutions regulatory agency

Government bodies that oversee and supervise banks, credit unions, and other financial companies, such as the Federal Reserve, FDIC, and Office of the Comptroller of the Currency.

Regulatory action

Any new rule or regulation, or change to an existing one, proposed or finalized by a government agency, but not actions against individual institutions like enforcement orders.

Risk profile

An assessment of the types and levels of financial and operational risks an institution faces, based on its activities and investments.

Business model

How a financial institution operates, generates revenue, and serves its customers, for example, a large investment bank vs. a small community lending bank.

Community Bank Leverage Ratio

A simplified measure of a bank's financial strength, typically used by smaller banks, that allows them to meet capital requirements with a single ratio instead of more complex calculations.

Call reports

Detailed financial reports that banks are required to submit regularly to federal regulatory agencies, providing a snapshot of their financial health and activities.