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	<title>Finer Points</title>
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	<description>Camden Fine&#039;s blog</description>
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		<title>Finer Points</title>
		<link>http://camfine.wordpress.com</link>
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		<title>It’s About Community Banks</title>
		<link>http://camfine.wordpress.com/2012/01/19/its-about-community-banks/</link>
		<comments>http://camfine.wordpress.com/2012/01/19/its-about-community-banks/#comments</comments>
		<pubDate>Thu, 19 Jan 2012 23:04:57 +0000</pubDate>
		<dc:creator>camfine</dc:creator>
				<category><![CDATA[Advocacy]]></category>
		<category><![CDATA[Community Banks]]></category>
		<category><![CDATA[Washington]]></category>

		<guid isPermaLink="false">http://camfine.wordpress.com/?p=423</guid>
		<description><![CDATA[Do you all recall the now-iconic Bill Clinton 1992 campaign slogan—“It’s the economy, stupid!”? Well, at ICBA, it’s the nation’s community banks, and it always will be. There is a lot of noise out there these days. It is an election year—funny how EVERY year seems to be an election year now. Sometimes election years [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=camfine.wordpress.com&amp;blog=11303709&amp;post=423&amp;subd=camfine&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>Time for a Divorce?</title>
		<link>http://camfine.wordpress.com/2012/01/09/time-for-a-divorce/</link>
		<comments>http://camfine.wordpress.com/2012/01/09/time-for-a-divorce/#comments</comments>
		<pubDate>Mon, 09 Jan 2012 17:20:12 +0000</pubDate>
		<dc:creator>camfine</dc:creator>
				<category><![CDATA[Community Banks]]></category>
		<category><![CDATA[Too Big to Fail]]></category>

		<guid isPermaLink="false">http://camfine.wordpress.com/?p=419</guid>
		<description><![CDATA[In a recent edition of the American Banker “Bankthink” section, Mr. Robert H. Smith, former chairman and CEO of Security Pacific Corp., wrote an opinion piece titled “Community Banks Should Ask for a Divorce.” In keeping with that theme, let me comment on Mr. Smith’s article in this way. This is exactly what ICBA has [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=camfine.wordpress.com&amp;blog=11303709&amp;post=419&amp;subd=camfine&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>2</slash:comments>
	
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			<media:title type="html">camfine</media:title>
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		<title>Fines, Penalties and Settlements—Oh My!</title>
		<link>http://camfine.wordpress.com/2011/12/13/fines-penalties-and-settlements-oh-my/</link>
		<comments>http://camfine.wordpress.com/2011/12/13/fines-penalties-and-settlements-oh-my/#comments</comments>
		<pubDate>Tue, 13 Dec 2011 20:06:49 +0000</pubDate>
		<dc:creator>camfine</dc:creator>
				<category><![CDATA[Community Banks]]></category>
		<category><![CDATA[Too Big to Fail]]></category>

		<guid isPermaLink="false">http://camfine.wordpress.com/?p=416</guid>
		<description><![CDATA[Or, How the Smalls Pay for the Sins of the Bigs A quick check of the records reveals that since the financial crisis began in 2008, Bank of America has been assessed at least $23.4 BILLION in fines, penalties and settlements! Not to be outdone, JPMorgan Chase, Citi, Wells Fargo, and Morgan Stanley have been [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=camfine.wordpress.com&amp;blog=11303709&amp;post=416&amp;subd=camfine&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>1</slash:comments>
	
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			<media:title type="html">camfine</media:title>
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		<title>Why Not Get Behind “CFA”?</title>
		<link>http://camfine.wordpress.com/2011/12/07/why-not-get-behind-cfa/</link>
		<comments>http://camfine.wordpress.com/2011/12/07/why-not-get-behind-cfa/#comments</comments>
		<pubDate>Wed, 07 Dec 2011 17:38:47 +0000</pubDate>
		<dc:creator>camfine</dc:creator>
				<category><![CDATA[Advocacy]]></category>
		<category><![CDATA[Washington]]></category>

		<guid isPermaLink="false">http://camfine.wordpress.com/?p=411</guid>
		<description><![CDATA[Why is ICBA the only national banking trade group to push, and push hard, for passage of the Communities First Act regulatory-relief legislation (S. 1600/H.R. 1697)? And why hasn’t every state community banking group signed on? This common-sense regulatory-relief bill was developed by community bankers FOR community bankers. And it’s making good progress in Congress. [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=camfine.wordpress.com&amp;blog=11303709&amp;post=411&amp;subd=camfine&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>1</slash:comments>
	
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			<media:title type="html">camfine</media:title>
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		<title>Outrage</title>
		<link>http://camfine.wordpress.com/2011/12/01/outrage/</link>
		<comments>http://camfine.wordpress.com/2011/12/01/outrage/#comments</comments>
		<pubDate>Thu, 01 Dec 2011 17:34:05 +0000</pubDate>
		<dc:creator>camfine</dc:creator>
				<category><![CDATA[Community Banks]]></category>
		<category><![CDATA[Too Big to Fail]]></category>

		<guid isPermaLink="false">http://camfine.wordpress.com/?p=407</guid>
		<description><![CDATA[Wall Street Gets the Gold; Main Street Gets the Shaft! We all suspected this, and now it is public. More than 1,000 community banks suffered severe damage as a result of their GSE preferred stock being wiped out following the nationalization of Fannie Mae and Freddie Mac. Now, in the latest Bloomberg investigation of the [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=camfine.wordpress.com&amp;blog=11303709&amp;post=407&amp;subd=camfine&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>7</slash:comments>
	
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			<media:title type="html">camfine</media:title>
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		<title>New Report Sheds Light on Wall Street Inequity</title>
		<link>http://camfine.wordpress.com/2011/11/29/new-report-sheds-light-on-wall-street-inequity/</link>
		<comments>http://camfine.wordpress.com/2011/11/29/new-report-sheds-light-on-wall-street-inequity/#comments</comments>
		<pubDate>Tue, 29 Nov 2011 20:53:56 +0000</pubDate>
		<dc:creator>camfine</dc:creator>
				<category><![CDATA[Community Banks]]></category>

		<guid isPermaLink="false">http://camfine.wordpress.com/?p=402</guid>
		<description><![CDATA[I highly encourage community bankers to read this week’s report from Bloomberg Markets Magazine on the financial assistance provided by federal regulators to the nation’s largest and riskiest financial institutions at the height of the recent financial crisis. The report uncovers trillions of dollars in secret Federal Reserve Board “no strings attached” loans that allowed [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=camfine.wordpress.com&amp;blog=11303709&amp;post=402&amp;subd=camfine&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://camfine.wordpress.com/2011/11/29/new-report-sheds-light-on-wall-street-inequity/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
	
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			<media:title type="html">camfine</media:title>
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		<title>Is this Justice?</title>
		<link>http://camfine.wordpress.com/2011/11/08/is-this-justice/</link>
		<comments>http://camfine.wordpress.com/2011/11/08/is-this-justice/#comments</comments>
		<pubDate>Tue, 08 Nov 2011 21:56:26 +0000</pubDate>
		<dc:creator>camfine</dc:creator>
				<category><![CDATA[Community Banks]]></category>

		<guid isPermaLink="false">http://camfine.wordpress.com/?p=400</guid>
		<description><![CDATA[A recent New York Times article exposes the double standard  in regard to enforcement actions between community banks and too-big-to-fail institutions. The article finds that nearly all of the largest Wall Street financial firms have repeatedly settled fraud cases by promising to never again violate the antifraud laws, only to do so over and over [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=camfine.wordpress.com&amp;blog=11303709&amp;post=400&amp;subd=camfine&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">camfine</media:title>
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		<item>
		<title>Underdog Champs as Gritty as ICBA</title>
		<link>http://camfine.wordpress.com/2011/11/03/underdog-champs-as-gritty-as-icba/</link>
		<comments>http://camfine.wordpress.com/2011/11/03/underdog-champs-as-gritty-as-icba/#comments</comments>
		<pubDate>Thu, 03 Nov 2011 17:51:59 +0000</pubDate>
		<dc:creator>camfine</dc:creator>
				<category><![CDATA[Community Banks]]></category>
		<category><![CDATA[FDIC]]></category>
		<category><![CDATA[Washington]]></category>

		<guid isPermaLink="false">http://camfine.wordpress.com/?p=395</guid>
		<description><![CDATA[Anyone who knows me knows that I am a fanatic St. Louis Cardinals fan. So I was in baseball heaven last Friday night. And it got me to thinking about the Cardinals and ICBA and how much our organizations are alike. The underdog Cardinals became the World Champions of Major League Baseball. How? Well, they [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=camfine.wordpress.com&amp;blog=11303709&amp;post=395&amp;subd=camfine&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://camfine.wordpress.com/2011/11/03/underdog-champs-as-gritty-as-icba/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
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			<media:title type="html">camfine</media:title>
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		<item>
		<title>One Size Does Not Fit All</title>
		<link>http://camfine.wordpress.com/2011/10/11/one-size-does-not-fit-all/</link>
		<comments>http://camfine.wordpress.com/2011/10/11/one-size-does-not-fit-all/#comments</comments>
		<pubDate>Tue, 11 Oct 2011 20:56:15 +0000</pubDate>
		<dc:creator>camfine</dc:creator>
				<category><![CDATA[Community Banks]]></category>

		<guid isPermaLink="false">http://camfine.wordpress.com/?p=389</guid>
		<description><![CDATA[The community bank business model is nothing like the Wall Street business model. So why would we want Wall Street firms or mortgage banks to speak for us any more than they want us to speak for them? Therefore, I beg to differ with a recent op-ed about how “one size fits all.” With all [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=camfine.wordpress.com&amp;blog=11303709&amp;post=389&amp;subd=camfine&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://camfine.wordpress.com/2011/10/11/one-size-does-not-fit-all/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	
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			<media:title type="html">camfine</media:title>
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		<title>Assessment Savings a Testament to Community Bank Resilience</title>
		<link>http://camfine.wordpress.com/2011/09/27/assessment-savings-a-testament-to-community-bank-resilience/</link>
		<comments>http://camfine.wordpress.com/2011/09/27/assessment-savings-a-testament-to-community-bank-resilience/#comments</comments>
		<pubDate>Tue, 27 Sep 2011 15:34:35 +0000</pubDate>
		<dc:creator>camfine</dc:creator>
				<category><![CDATA[Community Banks]]></category>

		<guid isPermaLink="false">http://camfine.wordpress.com/?p=385</guid>
		<description><![CDATA[For years we made the case that the deposit-insurance assessment base is unfair for community banks. And for years no one seemed to listen. To some of us community bankers, it may have even seemed like a pipe dream. But the savings that community banks are seeing this month on their second-quarter assessment premiums aren’t [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=camfine.wordpress.com&amp;blog=11303709&amp;post=385&amp;subd=camfine&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://camfine.wordpress.com/2011/09/27/assessment-savings-a-testament-to-community-bank-resilience/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
	
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