The primary function of the Department’s Bank & Trust Division is to examine and supervise banks chartered by the state of Texas. The examination programs focus on an entity's overall financial health, management practices, information technology risks, and compliance with state and federal laws.
Banks & Holding Companies: Getting Started
Chartering a Texas State Bank
Download an overview of the benefits of a Texas state-chartered bank
Forms for Banks & Holding Companies
Access basic forms, as well as forms for OREO Extensions, Bank Relocation, Change of Control, and Assessment ACH
Bidding on a Failing Texas State Bank
View an overview of the process for bidding on a failing state bank
NMLS Resource Center
Federal registration requirements under the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act)
View a list of individuals prohibited by the Texas Department of Banking from serving a bank or other related institution.
Examination tools used in the supervisory process of state-chartered banks.
- Commercial Bank Examination Procedures
- IT Examination Procedures
- Trust Department Procedures
- Bank Secrecy Act and Anti-Money Laundering Information (FDIC)
- FIL-26-2018 Customer Due Diligence and Beneficial Ownership Examination Procedures (FDIC)
Regulations Governing Banks & Holding Companies
The Law & Guidance Manual includes select statutes, rules, legal opinions, supervisory memorandums, and regulatory guidance applicable to Texas state-chartered banks & holding companies.
Information Technology Resources
Corporate Account Takeover
Best practices for reducing the risks of CATO, minimum standards risk management, and other helpful resources.
Conference of State Bank Supervisors (CSBS) - Cybersecurity
Executive Leadership of Cybersecurity resources and information.
Financial Services- Information Sharing and Analysis Center (FS-ISAC)
Resource for cyber and physical threat intelligence analysis and sharing. FS-ISAC was created by and for members and operates as a member-owned non profit entity.
Regulations and Publications for Financial Institutions
FDIC Users Guide for Technology
Cyber Challenge: A Community Bank Cyber Exercise
FDIC developed exercises for to help institutions discuss operational risk issues and the potential impact of information technology disruptions on common banking functions.
Avoiding Common ACH Origination Weaknesses
Recommended Practices for Financial Institutions
The U.S. Government interagency technical guidance document aimed to inform Chief Information Officers and Chief Information Security Officers at critical infrastructure entities, including small, medium, and large organizations. This document provides an aggregate of already existing Federal Government and private industry best practices and mitigation strategies focused on the prevention and response to ransomware incidents.
The following tools and resources can help management and directors understand supervisory expectations, increase awareness of cyber risks, and assess and mitigate cyber risks.
- NIST Cybersecurity Framework
- FFIEC Cybersecurity Assessment Tool (CAT)
- *Automated Version of FFIEC CAT - developed by FS-ISAC Please note: The Automated Version of the FFIEC Cybersecurity Assessment Tool was developed by FS-ISAC and industry trade associations. The Department is not responsible for the tool or the completeness of this version.
Departmental Cyber Notices
- Notice 2013-03 – Oversight of Cyber –Crime Risks
- Notice 2015-08 – Cybersecurity Assessments and the FFIEC Cybersecurity Assessment Tool
General Banker Resources
Bank Assessment Calculator
Calculating a State Bank's Assessment
Banking Online Safely
A double-sided handout that provides "8 Tips for Banking Online Safely" and "8 Tips to be More Cybersecure."
Banker Required Disclosures and Notices Required
- Mortgage Fraud - Information on mortgage fraud and the required notice at closing
- Certain Loan Agreements must be in writing
- Consumer Complaint Notice - Regulatory Guidance 3005
- Banker Economic and Business Survey is a quarterly survey about statewide business activity
- Commissioner’s Examination Survey. Annual results of survey used to help target areas for improvement, as well as to identify what parts of the existing process are working well
Conference of State Bank Supervisors (CSBS)
CSBS has developed several job aids to help examiners and bankers, including aids for BSA/AML and Current Expected Credit Losses (CECL)
Overview and resources for handling a closures related to weather or other emergencies
Texas Home Equity
Finance Commission of Texas Home Equity Lending Information
Enroll & Report Compromised Accounts
Portal for financial institutions to register and report compromised accounts
Manual for CANS users to navigate through the reporting system
Scenarios for reporting compromised consumer bank accounts to CANS
Model Form for the Sworn Statement of Offense
Form to be completed by consumers in order to report a compromised account.
E-mail directly for assistance with reporting or updating contact information on records with the Department
Communication with the Department
File a Complaint
How to file a complaint against a state-chartered bank.
Boards of directors or executives of banks can file a request for reconsideration of examination finding (REF).