FY2016 Budget Presentation
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- Jonah Jesse Parrish
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1 FY2016 Budget Presentation
2 Organizational Structure Gavin Gee Director Lisa Baker Administrative Assistant Jim Burns Securities Bureau Chief Investment Products and Professionals Dave Jensen Supporting Services Bureau Chief Budgetary, Fiscal, Information Tech, Personnel, Web Mary Hughes Financial Institutions Bureau Chief State Chartered Banks and Credit Unions Mike Larsen Consumer Finance Bureau Chief Mortgage Industry, Collection Agencies, Consumer Lenders 64 FTP
3 Important Facts: The Idaho Department of Finance administers the following 23 laws: Idaho Bank Act Idaho Bank Holding Company Act Idaho Interstate Banking Act Idaho Interstate Branching Act Idaho International Banking Act Idaho Trust Company Act Idaho Savings Bank Act Business & Industrial Development Corporation Act (BIDCO) Idaho Credit Union Act Idaho Money Transmitters Act Idaho Credit Code Idaho Mortgage Company Act Idaho Collection Agency Act Idaho Uniform Securities Act Idaho Residential Mortgage Practices Act Business Combination Act Control Share Acquisition Act Idaho Commodity Code Endowment Care Cemetery Act Continuing Care Disclosure Act Idaho Escrow Act Idaho Financial Fraud Prevention Act Idaho Loan Broker Statutes
4 Important Facts: The Idaho Department of Finance regulates the following 15 industries: commercial banks savings banks bank holding companies credit unions trust companies securities issuers and brokers residential mortgage originators, brokers & lenders investment advisers and sales personnel endowed care cemeteries business and industrial development corporations consumer finance companies collection agencies money transmitters corporate take-overs independent escrow companies Teller window at Boise City National Bank in 1888
5 2011 Legislative Audit - Fiscal Years No Findings - No Recommendations - No Findings or Recommendations in Prior Audit.
6 General Fund Transfer $4,957,765 Transferred to General Fund For FY 2014
7 Critical State Role - On-Site Examinations / Off-Site Monitoring - Meetings with Bank Officials - Imperative to Include State Examiners - Elements of Department s Mission Preserve Local Financial Institutions Enhance the Idaho State Charter Promote Economic Development
8 Bank Failures Since 2008 As of January 2015 STATE Total Failures California Washington Arizona Nevada Colorado Oregon Utah New Mexico Idaho * Wyoming 1 1 Alaska 0 Hawaii 0 Montana 0 Total westernstate failures Total nationwide failures for year * In 2009, First Bank of Idaho, fsb, Ketchum, Federally Chartered and Regulated, and in 2014, Syringa Bank, State Chartered and Regulated
9 Financial Institutions Bureau Chartering the Choices: State or Federal Since 1979: 20 NEW banks chose State Charter 1 bank chose Federal Charter Since 1997: 16 converted to State Charter 2 converted to Federal Charter Change charter at any time if healthy
10 Community Banking Initiatives Community Banks & Credit Unions are the Only Financial Institutions in 16 Idaho Towns 35% of Ag and Small Business Loans State and National Town Hall Meetings Lower Regulatory Burden Local Money Stays Local
11 Financial Institutions Accreditation Full Scope On-Site Audit Year Term - Critically Important Recognition - Exacting Standards - Annual Review and Monitoring
12 Individuals and Businesses Regulated Record 168,142 Regulated Entities or Individuals in CY2014 Licensees Have More Than Tripled Since 1996 Over 95% of Licensees Reside Outside Idaho; from Every State and 23 Foreign Countries 180, , , , ,000 80,000 60,000 40,000 20,
13 FY2014 Restitution Statistics 30 Actions $4 Million Awarded to Idaho Consumers
14 Emerging Payments
15 Maximum Leverage From IT - Cybersecurity - Federal Bank & CU Examination Software - Cost Saving Virtual Servers (VM Ware) 3 Servers do the work of 8 Old Servers 60+ Specialized Internal Programs Secure Encoded Remote Users Access Idaho NMLS / CRD / IARD Reconciliation Full SharePoint Services
16 e-licensing Initiatives Expanded On-Line Licensing Options Expanded Online to Consumer Finance Companies 39,000 Collection Agents via Access Idaho in 2014 NMLS, WebCRD, IARD, BlueExpress DOF Internal Systems Reconcile Revenue from the above Idaho and National Systems
17 Cyber Security Initiatives Enhanced Training In Cyber-Security Increased Cyber-Security Risk Assessments During Examinations Educating Senior Management of the Financial Services Industry Educating Investors and Consumers With Increased Media Outreach Partnering With Industry, Public Schools, Colleges and Universities, Libraries, The Idaho Financial Literacy Coalition and Others
18 Financial Education Initiatives - Smart Women, Smart Money (Today 2/13) - Boise and Moscow in th Financial Literacy Month (Each April) - 4 Senior Scam Jams in Press Releases, Social Media, Seminars - America Saves Week
19 Contributions to the General Fund Amounts transferred to General Fund since 1994 FY 1994 $1,857,894 FY 1995 $1,515,979 FY 1996 $1,116,622 FY 1997 $1,566,709 FY 1998 $1,245,698 FY 1999 $1,694,295 FY 2000 $2,241,970 FY 2001 $2,263,362 FY 2002 $2,163,175 FY 2003 $3,010,834 FY 2004 $5,979,863 FY 2005 $4,084,840 FY 2006 $4,585,916 FY 2007 $5,489,698 FY 2008 $5,177,296 FY 2009 $5,560,498 FY 2010 $5,956,610 FY 2011 $5,235,148 FY 2012 $5,427,512 FY 2013 $5,934,940 FY 2014 $4,957,765 TOTAL (FY 1994 FY 2014): $77.6 Million
20 Any Comments or Questions? Protecting the Integrity of Idaho Financial Markets Since 1905
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