Decline,amp,Normal,false,Micro business, insurance Decline of S&Ls

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Normal 0 false false false MicrosoftInternetExplorer4 /* Style Definitions */ table.MsoNormalTable{mso-style-name:"Table Normal";mso-tstyle-rowband-size:0;mso-tstyle-colband-size:0;mso-style-noshow:yes;mso-style-parent:"";mso-padding-alt:0in 5.4pt 0in 5.4pt;mso-para-margin:0in;mso-para-margin-bottom:.0001pt;mso-pagination:widow-orphan;font-size:10.0pt;font-family:"Times New Roman";mso-ansi-language:#0400;mso-fareast-language:#0400;mso-bidi-language:#0400;}Here we present a detailedsummary of the main causes for losses that hurt the S&L business in the1980s as advised by the United States League of Savings:1.                 Many institutions suffered from Lack of net worth asthey entered the 1980s, besides they had a wholly inadequate net worthregulation.2.                 Effectiveness of Regulation Q declined in preservingthe spread between the cost of money and the rate of return on assets, whichresulted from inflation and the accompanying increase in market interest rates.3.                 Ability to vary the return on assets was missing withincreases in the rate of interest required to be paid for deposits.4.                 Deposit gathering and mortgage origination sides of thebusiness had an increasing competition, sudden burst of new technology made awhole new way of conducting financial institutions possible in the general andthe mortgage business levels.5.                 Investment powers of associations increased rapidly withpassage of the Depository Institutions Deregulation and Monetary Control Act(the Garn-St Germaine Act), and the even more effective, through statelegislative enactments in a number of important and rapidly growing states.6.                 Regulations initially designed to prevent lending excessesand minimize failures were eliminated.7.                 The principal cause for 20% of savings and loanfailures during the past three years was fraud and insider transaction abuseswere together with a greater percentage of the dollar losses borne by the FSLIC.8.                 Opportunistic savings and loan executives and ownersadded a new generation—some of whom operated in a fraudulent manner — whosetakeover of many institutions was facilitated by a change in FSLIC rules whichreduced the minimum number of stockholders of an insured association from 400to one.9.                 Part of the board of directors abandoned their duty tosecure some savings associations, which allowed management to make irresponsibleuse of some new operating authority, while directors showed failure in controllingexpenses and prohibiting obvious conflict of interest situations.10.             Appearance of a virtual end of inflation in theAmerican economy Phenomenon, together with overbuilding in multifamily,condominium type residences and in commercial real estate in many cities.11.             Managers of many associations felt Pressures to restorenet worth ratios.12.             Appropriate, accurate, and effective evaluations of thesavings and loan business by public accounting firms, security analysts, andthe financial community were all missing.13.             Organizational structure and supervisory laws, enoughfor policing and controlling the business in the protected environment of the1960s and 1970s, lead to fatal delays and indecision in theexamination/supervision process in the 1980s.14.             Insufficient number in federal, state examination andsupervisory staffs, missing experience, or ability to deal with the new worldof savings and loan operations.15.             The now defunct Federal Home Loan Bank Board and itslegal and supervisory staff were unable to deal with problem institutions in atimely manner.



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