EmergencyDisaster

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Emergency/Disaster Preparedness Sharon
Whiddon Chief, Bureau of Credit Union
Regulation Division of Financial Institutions
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On occasion, disasters occur with some degree of
warning
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Source The Weather Underground, Inc.
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Dadeland Mobile Home Park
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Pinewoods Villa
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Sometimes, disasters occur with little or
no warning
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Some disasters occur with ample warning
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Prior to September 11, 2001, we took natural
disasters for granted.
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After 911, our perception of the world changed.
We were vulnerable, and not just to natural
disasters! An unholy trinity of events changed
us forever.
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OFFICE OF FINANCIAL REGULATION DISASTER PLAN
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• A GOOD CONCEPT
• Fletcher Building down
• Tallahassee down
• Regions impacted

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The disaster-preparedness plan must ensure
continuity of essential state functions. The plan
must establish a viable capability to perform
essential functions during any emergency.
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• A plan must identify
• types of failure events and levels of risk
• essential functions, programs, and personnel
• procedures to implement the plan and personnel
  notification and accountability
• delegations of authority and lines of succession
  
• alternative facilities and related
  infrastructure, including communication
• vital records and databases to protect and
• schedules and procedures for periodic tests,
  training, and exercises.

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PHASES

• Phase 1 activated when a single building is
  closed
• Phase 2 is activated when all Tallahassee offices
  are closed or destroyed
• Phase 3 is activated when a field office or
  offices are closed or destroyed

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Disaster Protocol For Non-Tallahassee
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Assumption A natural or contrived disaster is
going to take place in an area of the state,
other than Tallahassee, which has the potential
to severely impacted the normal day-to-day
processes of life including the operation of
financial institution offices.
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REGULATORY OFR/NCUA/FCUL

• Update Emergency Contacts OFR Staff, NCUA and
  Credit Unions
• Protection of State Property and Personnel
• OFR Disaster Protocol
• Proclamation Closures
• Identify Impact Area
• Establish communications Cash availability,
  possible mobile units, other regulatory agencies,
  Florida Credit Union League and Emergency
  Operation Center
• Assist in getting institutions operational
  security assistance with fuel wide load
  permits and other
• Serve as an information clearing house for
  financial institutions
• Section 252.62 Florida Statutes - Waiver Authority

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• Prior to Event
• Determine the impact area SERT Reports
• Set up a list of Financial Institutions in the
  contact area.
• Depending on the level of anticipated damage
  request that the Commissioner of OFR issue an
  emergency proclamation authorizing the closure of
  financial institutions in the affected area
  beyond 48 hours.
• Establish communication between NCUA, FCUL OFR

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• Immediately After Storm
• If the disaster occurred after hours or on a
  weekend, determine need to assemble headquarters
  staff consisting of director, bureau chiefs, and
  financial administrators, at the Fletcher
  Building.
• If appropriate (and possible), contact staff in
  the closest regional office to the disaster and
  determine their status including immediate
  family and their ability to carry out duties and
  responsibilities.
• Contact the DFS representative at the EOC to
  determine the impact of the disaster and to
  coordinate assistance to the affected area.

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• If a regional office is adversely impacted by the
  disaster, activate Phase III of the plan.
• Attempt to contact each financial institution
  that has an office in the affected area.
  Coordinate with NCUA, FCUL OFR
• If unable to contact a financial institution by
  phone, have a staff member from the closest
  regional office go to the financial institution
  as soon as it is safe to do so.

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• Request an assessment of the damage to each
  institutions offices in the affected area, the
  ability of each office to function, and a
  projected date for reopening.
• Determine any specific needs that a financial
  institution in the affected area may have
  including, but not limited to
• facility
• liquidity
• cash needs
• technology
• security
• communication
• utilities and
• staffing.

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• Coordinate with the Florida Bankers Association,
  the Florida Credit Union League, and the Florida
  International Bankers Association regarding the
  ability of those organizations members to
  provide assistance in the affected area.
• Contact the FDIC, FRB, OTS, NCUA, and OCC to
  coordinate any assistance to financial
  institutions in the affected area with particular
  emphasis on meeting liquidity needs of financial
  institutions.
• Ascertain the availability of mobile banking
  units to be re-located in the affected area, if
  necessary.
• Coordinate with DFS staff regarding use of their
  toll-free lines to receive inquiries and consumer
  complaint issues.

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• Provide media in and around the affected area
  with phone number(s) that can be called so that
  consumers can obtain information from OFR about
  the status of a financial institution or complain
  about how a financial institution is handling
  issues resulting from the disaster.
• If appropriate, request that the Commissioner of
  OFR issue a proclamation to modify or suspend the
  Financial Institutions Codes in order to expedite
  recovery of an affected community and in order to
  encourage financial institutions to meet the
  financial needs of the community.
• Consider a proclamation or request from the
  Commissioner of OFR or the Financial Services
  Commission to financial institutions to reduce
  fees and charges in the affected area, and to
  offer services to non-customers for a limited
  time frame.

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• Develop a database of financial institution
  consumer complaint contact staff to assist in
  resolving complaint issues.
• Periodically reevaluate status of financial
  institutions and regional office staff in the
  affected area.
• Send volunteers into the affected area as deemed
  appropriate.

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Visit the Official SERT Website for the Latest
Disaster Information
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List of Informative Internet Sites (1) Office of
Financial Regulation hurricane web page
http//www.flofr.com/Director/ImportantNotice/Impo
rtantNotice07.htm (2) Site lists numerous sources
of general information on all aspects of disaster
preparedness http//www.floridadisaster.org/index
.asp (3) State of Florida website to create a
personalized Family Disaster Plan http//www.flor
idadisaster.org/family (4) Family Readiness Kit,
Preparing to Handle Disasters.  Thirty-five page
booklet for the home addresses all types of home
safety information http//floridadisaster.org/pub
lications/family_kit.pdf (5) Hurricane
information/reference source provides extensive
information, including link to a
checklist http//www.floridadisaster.org/bpr/EMTO
OLS/Severe/hurricanes.htm (6) Site explains storm
surge, tornadoes, being prepared (by developing a
family plan and creating a disaster supply kit),
en Espanola, and other valuable
information httpwww.nhc.noaa.gov/HAW2/english/in
tro.shtml (7) Site provides various types of
information, including "Are You Ready?  An
In-depth Guide to Citizen Preparedness" http//ww
w.fema.gov/areyouready/index.shtm