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• An Incident Response Program can mitigate the risk of, and implement greater control over, a potential IT security breach. It can also help to assess the damage should a breach occur. Read how some institutions are protecting themselves with "Incident Response Programs: Don't Get Caught Without One."
• "Understanding BSA Violations" shares information on recent USA PATRIOT Act changes, clarifies the difference between a BSA program breakdown and more technical problems, and offers some best practices for your compliance program.
• "Chasing the Asterisk: A Field Guide to Caveats, Exceptions, Material Misrepresentations, and other Unfair or Deceptive Acts or Practices" bundles the landscape of UDAP issues into one focused informational piece.
• "From the Examiner's Desk" takes a look at the willingness of institutions to gain market share at the cost of good underwriting in real estate lending.

Distribution:
�౦��Ϸ����-Supervised Banks (Commercial and Savings)

Suggested Routing:
Chief Executive Officer

Note:
�౦��Ϸ���� Financial Institution Letters (FILs) may be accessed from the �౦��Ϸ����'s Web site at www.fdic.gov/news/financial-institution-letters/2007/index.html

To receive FILs electronically, please visit http://www.fdic.gov/about/subscriptions/fil.html .

Paper copies of �౦��Ϸ���� FILs may be obtained through the �౦��Ϸ����'s Public Information Center, 3501 Fairfax Drive, Room E 1002, Arlington, VA 22226 (1-877-275-3342 or 703-562-2200).