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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
2018 Community Bank Research Conference National Survey & Banker Outreach May 2018   2018 Community Bank Research Conference National Survey & Banker Outreach - PDF  
New Supplemental Form March 2018   New Supplemental Form - PDF  
FDIC Bankers Outreach/Directors College November 2017   FDIC Bankers Outreach/Directors College - PDF  
Equifax Update September 2017   Equifax Update - PDF  
Equifax Breach Resources September 2017   Equifax Breach Resources - PDF  
Hurricane Harvey Resources September 2017   Hurricane Harvey Resources - PDF  
Hurricane Harvey August 2017   Hurricane Harvey - PDF  
FYI - Emergency Closings Pursuant to Texas Finance Code 93.011 August 2017   Emergency Closings Pursuant to Texas Finance Code 93.011 - PDF  
FYI - FinCEN Advisory on Money Laundering Risks in Real Estate Sector August 2017   FinCEN Advisory on Money Laundering Risks - PDF  
85th Legislative Session Update June 2017   85th Legislative Session Update - PDF  
2017 Community Bank Research Conference National Survey and Banker Outreach June 2017   2017 Community Bank Research Conference Survey and Banker Outreach - PDF  
WannaCry Ransomware May 2017   WannaCry Ransomware - PDF  
FYI - 1st Annual Texas Residential Realty Summit January 2017   1st Annual Texas Residential Realty Summit - PDF  

For more, see SSB Notices Archive.

New Supplemental Form

Updated Quarterly Call Report Supplement

Cybersecurity Resources

As cybersecurity threats continue to emerge and technology continues to evolve, SML 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

SML 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

NMLS Federal Registry Resource Center

Identity Theft

Texas Department of Banking - Check Verification Entities

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

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