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Texas Department of Savings and Mortgage Lending

State Savings Banks: News and Information



In 1993, the 73rd Texas Legislature adopted the Texas Savings Bank Act (SB 396). The savings bank created under this act provides an alternative savings institution charter with the Federal Deposit Insurance Corporation ("FDIC") as primary federal regulator.


Subject Date
Notice from Commissioner
Email Blast
Debit Card Cloning Scam at State Savings Bank December 2015   Debit Card Cloning Scam - PDF  
Compliance Guide for HMDA Rules December 2015   Compliance Guide for HMDA Rules - PDF  
Cybersecurity Website Resources February 2015   Cybersecurity Resources - PDF  
Irrevocable Capital Election in the First Quarter Call Report January 2015   Irrevocable Capital Election - PDF  

For more, see SSB Notices Archive.

Cybersecurity Resources

As cybersecurity threats continue to emerge and technology continues to evolve, TDSML seeks to help you protect your customer’s personal and financial data. We encourage you to take advantage of the services available to you through your trade associations, governmental entities, and private entities. Here are a few links that you may find helpful in your effort to keep your community, customers, and institution safe and secure:

www.ffiec.gov/press/pr063015.htm – Federal Financial Institutions Examination Council (FFIEC) press release detailing its Cybersecurity Assessment Tool that may be used to help institutions identify risks and assess their cybersecurity preparedness.

www.fsisac.com – Created by and for members, and operating as a member-owned nonprofit entity, the Financial Services Information Sharing and Analysis Center is the global financial industry’s go to resource for cyber and physical threat intelligence analysis and sharing.

www.isaca.org – An independent, nonprofit, global association, ISACA (Information Systems Audit and Control Association) engages in the development, adoption, and use of globally accepted, industry-leading knowledge and practices for information systems.

www.staysafeonline.org – The mission of the National Cyber Security Alliance is to educate and therefore empower a digital society to use the Internet safely and securely at home, work, and school, protecting the technology individuals use, the networks they connect to, and shared digital interests.

www.csbs.org/cybersecurity - CSBS (Conference of State Bank Supervisors) sponsored a nine-week Executive Leadership of Cybersecurity online initiative in late 2014, collaborating with regulatory and industry professionals to share best practices for mitigating cyber risks. Content from that initiative is available on the CSBS website, including the Cybersecurity 101 Resource Guide.

FDIC Cybersecurity Resources - Resources available from the FDIC (Federal Deposit Insurance Corporation) to help financial institutions identify and mitigate cyber risks.

Emergency Communications System

TDSML participates in the Federal Reserve's Emergency Communications System (ECS). All state savings banks are highly encouraged to register for this free service so that we can provide you with important information during emergency situations. For more information and to register, please visit https://bsr.stlouisfed.org/ecsnet or call 1-877-3247-5333.

Charter Comparisons

Financial Institution Charter Comparison

Depository Institutions: Residential Mortgage Loan Originators

FFIEC Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act) FAQs NMLSR Resource Center

Call Report Information Supplement Schedule

Supplemental Schedule

Express Determination Letter

Contact Information at FDIC

Identity Theft

Texas Department of Banking - Check Verification Entities

Subprime Guidance

Federal Subprime Guidance Parallel Subprime Guidance (CSBS)

Please Note: External links to other sites are intended to be informational only and do not have the endorsement of the Texas Department of Savings and Mortgage Lending.

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