Alabama State Banking Department

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undated155-2-4-.08 Examination Deferred Presentment Services Act
undatedExamination Fees Repealed: January 1, 2020
undatedAmendment of License - Alabama Consumer Credit Act
undatedAlabama State Banking Board Regulation No. 14 - Credit Exposure Limits
undatedAlabama State Banking Board Regulation No. 1: Investment Securities
undatedExamination Fees Repealed Under the Small Loan Act
undatedMinimum Loan Term Amended: January 1, 2020
undated155-2-2-.11 Deferral and Extension Charges Amended: January 1, 2020
undatedLicensing Amended: January 1, 2020
undatedFee Schedule Amended: January 1, 2020
undatedProperty Acquired for Future Expansion and Branch Application
undatedRegulation No. 18 - Audit and Risk Management Standards for Alabama State-Chartered Banks
undatedApplication Forms Repealed: January 1, 2020
2026-08-12Debanking Guidance – Post Governor EO – Superintendent Mike Hill -Corrected Final August 11 2026 SWC
2026-08-12Debanking – Alabama State Banking Department Guidance – Effective September 1, 2026
2026-07-16Alabama State Banking Department Bureau of Loans Regulations
2026-07-16155-2-1-.08 Original Application Forms Renewal Forms Amendments and Annual Reports
2026-03-26Executive Order No. 743 Promoting Fair and Lawful Access to Financial Services
2023-03-01Notice to Rescind Other Real Estate (ORE) Guidance Issued on March 19, 2020
2023-02-23Alabama Small Loan Act
2021-08-26Alabama State Banking Department Bureau of Loans Regulations
2020-03-19Further Guidance on Lending, Operations, Borrowings and Other Real Estate
2020-03-16Statement on Financial Institutions Working with Customers Affected by the Coronavirus and Regulatory Assistance
2020-03-12Alabama State Banking Department Guidance for Banks on Pandemic Planning and Expectations
2020-01-01155-2-1-.07 Examination Fees
2018-06-01Alabama Consumer Credit Act Insurance Regulations
2018-04-26Examination of Bank Service Providers Act
2018-01-04SBD Opinion No. 2018-1: Establishment of Deposit Production Offices
2016-01-11SBD Opinion No. 2015-1 Policy on Booking and Holding Real Property Interests
2016-01-04Cybersecurity Risk Management and FFIEC Cybersecurity Assessment Tool
2014-01-01Database Service Provider Requirements Under the Deferred Presentment Services Act
2013-10-01Public Notice of Provisions – Deferred Presentment Services Act
2013-10-01Locations Effective: October 1, 2013
2013-10-01Amendment of License – Deferred Presentment Services Act
2013-10-01Additional Reports and Records Under the Deferred Presentment Services Act
2013-10-01155-2-4-.12 Prohibited Acts – Deferred Presentment Services Act
2013-10-01155-2-4-.10 Investigative Proceedings – Deferred Presentment Services Act
2013-10-01SBD Opinion 2013-01 Guidance on Investment Governance and Analysis
2013-10-01Moving or Closing a Licensed Location Under the Deferred Presentment Services Act
2013-10-01155-2-4-.01 Licensure – Deferred Presentment Services Act
2013-10-01Records – Deferred Presentment Services Act
2013-10-01Joint Bank Accounts – Deferred Presentment Services Act
2013-10-01Changes in Ownership – Deferred Presentment Services Act
2013-10-01Public Notice of Provisions Effective: October 1, 2013 Appendix A
2012-12-20Guidelines Concerning Confidential Supervisory Information
2012-12-07SBD Opinion No. 2012-1 Credit Exposure Limits
2012-02-06Alabama Consumer Credit Act Mini-Code Title 5 Chapter 19
2011-03-16Trust Preferred Securities and Unsecured Debt Investment Securities
2010-03-11Alabama Residential Mortgage Fraud Act
2010-02-02SBD Opinion No. 2010-1 Establishment of Loan Production Offices
2010-02-01Alabama State Banking Department Financial Institution Records Retention Regulation
2010-01-29Alabama Mortgage Brokers Licensing Act
2010-01-14Alabama Secure and Fair Enforcement for Mortgage Licensing Act of 2009
2009-07-06Mortgage Loan Modification Effective: July 6, 2009
2008-04-22Alabama State Banking Department Guidance on the Interagency Policy Statement on the Allowance for Loan and Lease Losses
2007-08-29SBD Opinion No. 2007-3 Memorandum for Opinion 2007-3 Statement on Subprime Mortgage Lending
2007-08-29CSBS-AARMR Guidance on Nontraditional Mortgage Product Risks
2007-08-29SBD Opinion No. 2007-2 Guidance on Non Traditional Mortgage
2007-07-11Alabama State Banking Department Memorandum on De Novo Branching into Other States
2007-06-13SBD Opinion No. 2007-1 Real Estate Brokerage and Management Activities
2007-06-13SBD Opinion 2007-1 – Real Estate Brokerage and Management Activities
2007-01-31Alabama Pawn Shop Act
2007-01-31Alabama Deferred Presentment Services Act
2006-07-10Caution Regarding Fair Lending Practices, Monitoring and Documentation
2002-08-01155-2-2-.07 Restricted Activities Amended: August 1, 2002
2002-08-01Collection Activities Amended Under the Small Loan Act
2002-08-01155-2-2-.17 Minimum Loan Term Under the Alabama Consumer Credit Act
1998-02-01Regulation No. 16 - Electronic Fund Transfer System
1998-02-01Regulation No. 2 - Overdrafts by Officers and Employees
1997-10-01Regulation 155-2-3-.07 Other Business Activities Under the Small Loan Act
1997-10-01Alabama State Banking Department Organization
1997-10-01Rulemaking Proceedings Under the Alabama Small Loan Act and Consumer Credit Act
1997-10-01Renewal Application Requirements Under the Alabama Consumer Credit Act
1997-10-01Records to be Maintained by Licensee
1997-10-01Alabama Consumer Credit Act Refinancing Rules for Pre-Computed Contracts
1997-10-01Alabama Consumer Credit Act Annual Report Requirements
1997-10-01155-2-3-.02 Renewal Application - Small Loan Act
1997-10-01Amendment of License - Small Loan Act
1997-10-01Records to be Maintained by Licensee - Small Loan Act
1997-10-01Petition for Regulation, Amendment or Repeal
1997-10-01Request for Written Interpretation of Alabama Consumer Credit and Small Loan Acts
1997-10-01155-2-3-.08 Prohibited Charges Under the Small Loan Act
1997-10-01155-2-3-.05 Restricted Activities Under the Alabama Small Loan Act
1997-10-01Alabama Consumer Credit Act Refunds
1997-10-01Changes in Ownership - Small Loan Act
1997-10-01155-2-2-.09 Finance Charge - Alabama Consumer Credit Act
1997-10-01Licensing Requirements Under the Alabama Small Loan Act
1997-10-01Alabama Consumer Credit Act: Other Business Activities
1997-10-01Changes in Ownership – Alabama Consumer Credit Act
1997-10-01Alabama Consumer Credit Act: Additional Reports and Records
1997-10-01Alabama Consumer Credit Act Requirements for Licensed Locations
1997-03-20Alabama State Banking Department Opinions on Interstate Courier Services
1995-10-31Alabama State Banking Department Memorandum on Debt Cancellation Contracts
1995-07-11Amendment to SBD Opinion No. 93-1 Regarding Bank Investment in Qualified Housing Projects
1994-05-03Investment in a Bank or Bank Holding Company
1989-06-13SBD Opinion No. 89-1 Bank Trust Department Investment in Repurchase-Reverse Agreements of U.S. Government Securities
1986-04-22SBD Opinion No. 86-1 Bank Investment in Money Market Mutual Funds
1982-10-25Alabama State Banking Department Policy on Sale of Credit Life Insurance