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" ... By way of background, I have prior experience at the Federal Deposit Insurance Corporation (FDIC) where I have examined banks in Texas, Louisiana, and Arkansas. Almost always, banks have a combination of federal and state examiners if the charter is issued by the state, with either the FDIC or the Federal Reserve as the federal regulator. If the charter is national, the Office of the Comptroller of the Currency (OCC) will examine the bank, meaning only federal regulators go on bank examinations. ... "
" ... Farmers Insurance began offering Headspace as a pilot after some examiners experienced increased anxiety in responding to victims of the 2019 Paradise fires in California who had lost everything. When COVID hit, they quickly jumped to offering it company-wide. Since January, about half of their employees have downloaded the app and that coincided with an uptick in their employee Net Promoter Score, which measures employee loyalty and satisfaction. ... "
" ... In both instances, the examiners found the agencies’ administration of the programs wanting in several key respects. ... "
" ... In the commercial real estate (CRE) lending area, the FDIC pointed out that “Vacancy rates are low, and property prices and rents continue to grow for CRE in general.” Yet, the report warned that “ overbuilding in some multifamily and industrial segments and oversupply of outdated retail properties may weigh on CRE fundamentals going forward.” It is important to remember that during the 2007-2008 crisis, “banks considered to be CRE lending specialists failed more than twice as often as the average community bank.” Since mid-2017 FDIC bank examiners have noted areas where banks which have CRE concentrations can improve risk management practices, especially in governance and oversight and portfolio stress testing. ... "
" ... On a webinar hosted by my organization Inventors Groups of America last fall, PTAB Judge Kal Deshpande reminded us that all of the exchanges that take place between patent examiners and patent prosecutors are recorded. When a patent whose claims are being challenged lands before a PTAB judge, he said, “We do take a look at what's happened in the past. And we have a statute that says if this argument has been resolved once before, the court is not going to redo the work on it.” ... "