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The Chemours Company Announces Completion of Euro denominated Term Loan RepricingHICKSVILLE, N.Y. , Dec. 13, 2024 /PRNewswire/ -- Flagstar Financial, Inc. (NYSE: FLG ) (the "Company") today announced the appointment of Brian Callanan , Senior Managing Director and General Counsel at Liberty Strategic Capital ("Liberty"), to its Board of Directors, effective December 16, 2024 . Commenting on the appointment, Joseph M. Otting , Chairman, President, and CEO said, "I'm pleased to have Brian join our Board. His proven track record and expertise in financial services, along with his strategic insights will be instrumental as we continue to execute on our transformation and long-term vision. Brian's perspectives will provide valuable guidance, and his leadership will play a critical role in driving sustainable growth, ensuring we achieve long-term success and maximize the value we deliver to our shareholders, employees, and clients." Callanan is a distinguished lawyer with extensive experience in financial regulation, regulatory compliance, and financial technology. At Liberty, Callanan leads the firm's legal function, serves on its Investment Committee, and focuses on financial sector investments. Prior to joining Liberty, he served as General Counsel of the U.S. Department of the Treasury, overseeing 2,000 lawyers across the department. As Chief General Counsel, he played a key role in major initiatives such as economic rescue programs during COVID-19, the design of new economic sanctions, and the implementation of tax reform. While serving as Deputy General Counsel, Callanan managed major litigation and advised on regulatory reform efforts, among other responsibilities. For his service, he received the Alexander Hamilton Award, the department's highest honor. This appointment aligns with the $1.05 billion equity investment in March 2024 , which stipulated that two Board seats would be granted to lead investor Liberty Strategic Capital. With Callanan's addition, the Company's Board of Directors, which was reconstituted earlier in 2024, expands to nine members, including Chairman, President, and Chief Executive Officer, Joseph M. Otting , Milton Berlinski , Alessandro P. DiNello , Alan Frank , Marshall Lux , Lead Independent Director Secretary Steven T. Mnuchin , Allen Puwalski , and Jennifer Whip. About Flagstar Financial, Inc. Flagstar Financial, Inc. is the parent company of Flagstar Bank, N.A., one of the largest regional banks in the country. The Company is headquartered in Hicksville, New York . At September 30, 2024, the Company had $114.4 billion of assets, $73.0 billion of loans, deposits of $83 .0 billion, and total stockholders' equity of $8 .6 billion. Flagstar Bank, N.A. operates over 400 branches, including a significant presence in the Northeast and Midwest and locations in high growth markets in the Southeast and West Coast. In addition, the Bank has approximately 80 private banking teams located in over 10 cities in the metropolitan New York City region and on the West Coast, which serve the needs of high-net worth individuals and their businesses. Cautionary Statements Regarding Forward-Looking Statements This release may include forward‐looking statements by the Company and our authorized officers pertaining to such matters as our goals, beliefs, intentions, and expectations regarding (a) revenues, earnings, loan production, asset quality, liquidity position, capital levels, risk analysis, divestitures, acquisitions, and other material transactions, among other matters; (b) the future costs and benefits of the actions we may take; (c) our assessments of credit risk and probable losses on loans and associated allowances and reserves; (d) our assessments of interest rate and other market risks; (e) our ability to execute on our strategic plan, including the sufficiency of our internal resources, procedures and systems; (f) our ability to attract, incentivize, and retain key personnel and the roles of key personnel; (g) our ability to achieve our financial and other strategic goals, including those related to our merger with Flagstar Bancorp, Inc., which was completed on December 1, 2022, our acquisition of substantial portions of the former Signature Bank through an FDIC-assisted transaction, and our ability to fully and timely implement the risk management programs institutions greater than $100 billion in assets must maintain; (h) the effect on our capital ratios of the approval of certain proposals approved by our shareholders during our 2024 annual meeting of shareholders; (i) the conversion or exchange of shares of the Company's preferred stock; (j) the payment of dividends on shares of the Company's capital stock, including adjustments to the amount of dividends payable on shares of the Company's preferred stock; (k) the availability of equity and dilution of existing equity holders associated with amendments to the 2020 Omnibus Incentive Plan; (l) the effects of the reverse stock split; and (m) transactions relating to the sale of our mortgage business and mortgage warehouse business. Forward‐looking statements are typically identified by such words as "believe," "expect," "anticipate," "intend," "outlook," "estimate," "forecast," "project," "should," "confident," and other similar words and expressions, and are subject to numerous assumptions, risks, and uncertainties, which change over time. Additionally, forward‐looking statements speak only as of the date they are made; the Company does not assume any duty, and does not undertake, to update our forward‐looking statements. Furthermore, because forward‐looking statements are subject to assumptions and uncertainties, actual results or future events could differ, possibly materially, from those anticipated in our statements, and our future performance could differ materially from our historical results. Our forward‐looking statements are subject to, among others, the following principal risks and uncertainties: general economic conditions and trends, either nationally or locally; conditions in the securities, credit and financial markets; changes in interest rates; changes in deposit flows, and in the demand for deposit, loan, and investment products and other financial services; changes in real estate values; changes in the quality or composition of our loan or investment portfolios, including associated allowances and reserves; changes in future allowance for credit losses, including changes required under relevant accounting and regulatory requirements; the ability to pay future dividends; changes in our capital management and balance sheet strategies and our ability to successfully implement such strategies; recent turnover in our Board of Directors and our executive management team; changes in our strategic plan, including changes in our internal resources, procedures and systems, and our ability to successfully implement such plan; changes in competitive pressures among financial institutions or from non‐financial institutions; changes in legislation, regulations, and policies; the imposition of restrictions on our operations by bank regulators; the outcome of pending or threatened litigation, or of investigations or any other matters before regulatory agencies, whether currently existing or commencing in the future; the success of our blockchain and fintech activities, investments and strategic partnerships; the restructuring of our mortgage business; our ability to recognize anticipated expense reductions and enhanced efficiencies with respect to our recently announced strategic workforce reduction; the impact of failures or disruptions in or breaches of the Company's operational or security systems, data or infrastructure, or those of third parties, including as a result of cyberattacks or campaigns; the impact of natural disasters, extreme weather events, military conflict (including the Russia / Ukraine conflict, the conflict in Israel and surrounding areas, the possible expansion of such conflicts and potential geopolitical consequences), terrorism or other geopolitical events; and a variety of other matters which, by their nature, are subject to significant uncertainties and/or are beyond our control. Our forward-looking statements are also subject to the following principal risks and uncertainties with respect to our merger with Flagstar Bancorp, which was completed on December 1, 2022 , and our acquisition of substantial portions of the former Signature Bank through an FDIC-assisted transaction: the possibility that the anticipated benefits of the transactions will not be realized when expected or at all; the possibility of increased legal and compliance costs, including with respect to any litigation or regulatory actions related to the business practices of acquired companies or the combined business; diversion of management's attention from ongoing business operations and opportunities; the possibility that the Company may be unable to achieve expected synergies and operating efficiencies in or as a result of the transactions within the expected timeframes or at all; and revenues following the transactions may be lower than expected. Additionally, there can be no assurance that the Community Benefits Agreement entered into with NCRC, which was contingent upon the closing of the Company's merger with Flagstar Bancorp, Inc., will achieve the results or outcome originally expected or anticipated by us as a result of changes to our business strategy, performance of the U.S. economy, or changes to the laws and regulations affecting us, our customers, communities we serve, and the U.S. economy (including, but not limited to, tax laws and regulations). More information regarding some of these factors is provided in the Risk Factors section of our Annual Report on Form 10‐K/A for the year ended December 31, 2023, Quarterly Report on Forms 10-Q for the quarters ended March 31, 2024 , June 30, 2024 , and September 30, 2024 , and in other SEC reports we file. Our forward‐looking statements may also be subject to other risks and uncertainties, including those we may discuss in this news release, on our conference call, during investor presentations, or in our SEC filings, which are accessible on our website and at the SEC's website, www.sec.gov . Investor Contact: Salvatore J. DiMartino (516) 683-4286 Media Contact: Nicole Yelland (248) 219-9234 SOURCE Flagstar Financial, Inc.
Top war-crimes court issues arrest warrants for Netanyahu and others in Israel-Hamas fightingManchester United women's boss breaks silence after Sir Jim Ratcliffe appeared to double down on stance that men's team is his PRIORITYThe Washington Huskies (6-5, 4-4 Big Ten) face the No. 1 Oregon Ducks (11-0, 8-0) Saturday. Kickoff from Autzen Stadium is set for 7:30 p.m. ET (NBC). Below, we look at Washington vs. Oregon odds from BetMGM Sportsbook's college football odds before making our expert college football picks and predictions later in the week. The Huskies stormed past the UCLA Bruins 31-19 as 4.5-point favorites Nov. 15 before their bye week. RB Jonah Coleman carried the mail 21 times for 95 yards and 2 TDs. QB Will Rogers struggled, going 13-for-21 for 115 yards, 1 TD and 2 INTs. Excluding a few first-half snaps, QB Demond Williams replaced Rogers in the third quarter and finished 7-for-8 for 67 yards, 1 TD and 0 INTs. He also rushed 6 times for 31 yards. The Ducks, also coming off a bye, remain the only major school without a defeat. They pulled out a 16-13 victory at Wisconsin Nov. 16, failing to cover as 13.5-point favorites. QB Dillon Gabriel was 22-for-31 for 218 yards, 0 TDs and 1 INT. RB Jordan James controlled the game with 25 carries for 121 yards and 1 TD. - Rankings : US LBM Coaches Poll , conducted by the American Football Coaches Association and USA TODAY Sports Stream select live college football games and full replays: Get ESPN+ Washington at Oregon odds Provided by BetMGM Sportsbook; access USA TODAY Sports Scores and Sports Betting Odds hub for a full list of college football odds. Lines last updated Monday at 4:32 p.m. ET. 2024 betting stats Play our free daily Pick’em Challenge and win! Play now ! Washington vs. Oregon head-to-head The Huskies lead the all-time series 63-48-5. They have won the last 3 meetings and 5 of the last 8. The Huskies beat the Ducks twice last season, 36-33 at home in a regular-season October game and 34-31 in the Pac-12 Championship Game in Las Vegas Dec. 1. The Ducks covered as 3.5-point underdogs in the regular-season contest, while the Huskies were 9.5-point underdogs in Sin City. QB Michael Penix Jr . outdueled QB Bo Nix in the conference title game, throwing for 319 yards, 1 TD and 1 INT while Nix finished with 239 passing yards, 3 TDs and 1 INT. Oregon is 4-6 ATS over the last 10 games and 5-5 straight up. The Under has cashed 6 times during the stretch and in 3 of the last 4 games. For more sports betting picks and tips , check out SportsbookWire.com and BetFTW . Follow Ryan Dodson on Twitter/X . Follow SportsbookWire on Twitter/X and like us on Facebook . College sports coverage from USA TODAY Sports Media Group: Alabama / Arkansas / Auburn / Clemson / Colorado / Duke / Florida / Florida State / Georgia / Iowa / Kentucky / LSU / Michigan / Michigan State / Nebraska / North Carolina / Notre Dame / Ohio State / Oklahoma / Oregon / Penn State / Rutgers / Tennessee / Texas / Texas A&M / UCLA / USC / Washington / Wisconsin / Recruiting / Transfer portal / College Football Playoffs / College Sports Wire / High School More NCAA College Football Picks and Predictions! First look: Tennessee at Vanderbilt odds and lines First look: South Carolina vs. Clemson odds and lines First look: Notre Dame at USC odds and lines
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ST. JOHN'S, N.L. — Two former premiers of Newfoundland and Labrador say a draft energy agreement signed Thursday with Quebec shattered a political standoff that leaders had been trying to end for decades. Brian Tobin, a Liberal premier from 1996 to 2000, said the shift in political alignment will be good for the provinces, and for the entire country. "I think it is a long-awaited breaking of a gridlock in the relationship between Newfoundland and Labrador and Quebec," he said in an interview Friday. "I think that this is really important." The tensions stem from a contract signed by the two provinces in 1969, which allowed Quebec to buy hydroelectric power from the Churchill Falls plant in Labrador for just 0.2 cents per kilowatt hour. The contract was set to expire in 2041, and there was no allowance for the price to change with the market. On Thursday, Newfoundland and Labrador Liberal Premier Andrew Furey literally tore up a copy of that contract as he sat beside Quebec Premier François Legault in St. John's, N.L. They inked a new agreement in principle stipulating that Quebec will pay more, beginning with one cent per kilowatt hour in 2025, and increasing in subsequent years. The province will also shell out an average of $1 billion a year until 2041, with increases to follow, and pay a $3.5-billion fee to partner on new energy projects in the Churchill River. Ultimately, Quebec will pay an average of 5.9 cents per kilowatt hour for energy from all Labrador sources over the 50-year contract. The deal comes with stipulations that prices can change along with the market, officials said Thursday. Tobin dismissed questions about whether one cent per kilowatt hour in the first year was enough of an improvement. He pointed to Newfoundland and Labrador's past unsuccessful attempts to challenge the 1969 deal in court, including in the Supreme Court of Canada. Under those rulings, Quebec has a legal right to continue paying next to nothing for Churchill Falls energy until 2041, Tobin said. Instead, after decades of bickering, they've chosen to turn the page. "One of the things that's important in this agreement is that it was not done with Newfoundland and Labrador's back to the wall," he said. "Many other premiers, myself included, tried to address this issue. In my case, there was still 42 or 43 years left in the agreement. So not much incentive for Quebec to become too creative in trying to address our needs." But Quebec needs energy, and new power projects take at least 10 years to build, so it was time for the province to act, he said. Former Newfoundland and Labrador Liberal premier Roger Grimes was also impressed by the end of the deal that has haunted the province since it was signed in 1969. "Every premier since then wished that they had found a partner in Quebec, like Premier Legault, who was willing to give some redress for (Churchill Falls)," said Grimes, who governed from 2001 to 2003. "And Premier Furey did. And thank God that he seized the moment." The 1969 contract isn't the only hydroelectric black eye in Newfoundland and Labrador's past. The province is still deep in debt because of the Muskrat Falls development, which is also on the Churchill River. The project was approved in 2012 with a price tag of about $7.4 billion, but by the time it was finally commissioned last year after years of delay, the price had nearly doubled. Grimes said the agreement signed Thursday not only rights the wrongs of 1969, but it reflects lessons learned from Muskrat Falls. Under the deal, Quebec will manage the construction of the two new projects and it will absorb all cost overruns while Newfoundland and Labrador will be the majority owner, he said. The Progressive Conservative government under Danny Williams pushed for Muskrat Falls, and Grimes believes Williams was driven by an anger toward Quebec and a need to prove that Newfoundland and Labrador didn't need them. Now, after Thursday's agreement, the two provinces are willing partners, in an arrangement that benefits them both, he said. This report by The Canadian Press was first published Dec. 13, 2024. Sarah Smellie, The Canadian Press