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Call report
A report that must be filed by banks in the U.S. on a quarterly basis and contains financial information.
CAMELS rating
Rating system used to rate financial institutions according to six factors represented by its acronym: capital adequacy, asset quality, management, earnings, liquidity, and sensitivity.
Capital adequacy
A measurement of a bank's available capital expressed as a percentage of a bank's risk-weighted credit exposures. The capital adequacy ratio, also known as capital-to-risk weighted assets ratio (CRAR), is used to protect depositors and promote the stability and efficiency of financial systems around the world.
Capital ratio
Total assets minus total liabilities as a percentage of total assets.
Cardholder agreement
Agreement that a credit card holder receives detailing the terms and agreements of the card. Describes the Annual percentage rate (APR) paid by the cardholder, the calculation behind minimum payments, and the rights of the cardholder.
Cash position
Represents the amount of cash that a company, investment fund or bank has on its books at a specific point in time
Cash reserve
Refers to the money a business or individual keeps on hand to meet short-term and emergency funding needs.
CCD
See Standard entry code.
CD
See Certificate of deposit (CD).
Cease and desist order
An order issued after notice and opportunity for hearing, requiring a depository institution, a holding company, or a depository institution official to terminate unlawful, unsafe, or unsound banking practices.
A form of time deposit at a bank of savings institution which cannot be withdrawn before a specified maturity date without being subject to an interest penalty for early withdrawal.
Chargeback
Transaction reversal meant to serve as a form of consumer protection from fraudulent activity committed by both merchants and individuals.
Check kiting
A form of check fraud, involving taking advantage of the float to make use of non-existent funds in a checking or other bank account.
CIF
See Customer information file (CIF).
Commercial bank
See National bank.
Comptroller of the currency
See Office of the comptroller of the currency.
Concentration account
A deposit account used to aggregate funds from several locations into one centralized account. Institutions use concentration accounts to process and settle internal bank transactions.
Consumer
A person who holds an account primarily for personal, family or household purposes, or to whom such an account is offered.
Contingent liability
A debt or obligation that becomes a liability only when something else happens. For example, a guarantor becomes liable for his guarantee only if the debt that is guaranteed does not get paid by the debtor.
Core deposits
(1) A bank's deposits that are the most stable.
(2) A bank's deposits under $100,000 each.
(3) Deposits that have an indefinite maturity, such as checking accounts, NOW accounts, money market deposit accounts, and savings accounts. See Retail deposits.
Correspondent
An institution acting as a correspondent passes through balances maintained to satisfy reserve balance requirements for respondent institutions directly to the Federal reserve bank (Fed).
Cost of funds
The interest rate paid by financial institutions for the funds that they deploy in their business.
Credit card
A card that may be used repeatedly to borrow money or buy goods and services on credit.
CTR
See Currency transaction report (CTR).
Currency transaction report (CTR)
Form required by Financial crimes enforcement network (FinCEN) that must be filled out by a bank representative who has a customer requesting to deposit or withdraw a currency transaction greater than $10,000.
Customer information file (CIF)
A file that stores all pertinent information about a bank customer's personal and account information.
