Are you aware of the Fed's tough new SR 09-4 guidance for banks paying dividends, repaying TARP, or repurchasing shares?
	Have you performed a gap analysis that assesses your readiness against the expectations for stress-testing, governance, and Board engagement that are clearly expressed in the SR 09-4 regulation ?
	The Federal Reserve Board recently elevated its scrutiny of bank capital adequacy with Supervisory Letter SR 09-4.  SR 09-4 clarifies regulatory expectations that all BHCs -- whether or not recipients of TARP/CPP funds -- provide their examiner with comprehensive documentation and analysis prior to the declaration of any dividend, redemption, or repurchase.  Second Pillar Consulting can clearly explain these new expectations to your management and Board; we can also help assess and fill any gaps you might have.  Our SR 09-4 Primer more completely describes the new guidance. Our SR 99-18 Primer describes related guidance that requries a strong internal capital adequacy process.

	Exclusive focus on regulatory capital adequacy. We do one thing and we do it well, ensuring the highest quality and lowest cost.
	Low overhead. We do not carry – and you do not pay for – the bloated partnership and support structure of traditional consulting firms.
	No “scope creep”. Unlike other bank consultants, we are not looking to up-sell or cross-sell larger “enterprise solutions.”
	No sales people. You work directly with compliance experts that want to help solve problems, not sell more business.

You want to win the regulatory capital compliance game. We can help get you there efficiently and effectively.

Contact us for a free report to determine the potential Standardized Basel II capital savings for your bank or to discuss our SR 09-4 capital adequacy solutions.