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This report is filed by BHCs, SLHCs, IHCs and SHCs with total consolidated assets of $3 billion or more. In addition, BHCs, SLHCs, IHCs and SHCs meeting certain criteria may be required to file this report, regardless of size.
The Federal Reserve Board is responsible for supervising the financial condition and activities of financial holding companies.
Disadvantages of a bank holding company A bank holding company is faced with the costs of meeting the accounting, record-keeping and reporting requirements imposed by the Board of Governors of the Federal Reserve.
Savings and Loan Holding Companies Under the Home Owners Loan Act (HOLA), a savings and loan holding company (SLHC) includes any company that directly or indirectly controls either a savings association or any other company that is an SLHC.
A commercial bank may offer you or your business a savings and checking account, a mortgage, business and student loans and even investment advice. A savings and loan institution specializes in mortgage and home loans and may provide the same kinds of checking and savings accounts as a bank.
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A financial holding company (FHC) is a special type of bank holding company (BHC) that may engage, either directly or indirectly through its non-bank subsidiaries, in a broad range of business activities that are deemed financial in nature. (In contrast, BHCs that are not FHCs can generally engage only in activities
Holding companies support their subsidiaries by using their resources to lower the cost of operating capital. Using a downstream guarantee, the parent company can make a pledge on a loan on behalf of the subsidiary.
A bank holding company is a corporation that owns a controlling interest in one or more banks but does not itself offer banking services. Holding companies do not run the day-to-day operations of the banks they own. However, they exercise control over management and company policies.

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