bank holding companies, credit unions, lenders, loan brokers, mortgage loan originators, small loan lenders, foreign exchange transaction businesses, sellers of checks, electronic money transmitters, check cashers, debt management companies; a familiarity with state and federal banking laws; the ability to carry out written and oral instructions; the ability to prepare reports relating to banking examinations; and related capacities and abilities. bank holding companies, credit unions, lenders, loan brokers, small loan lenders, foreign exchange transaction businesses, sellers of checks, electronic money transmitters, check cashers, debt management companies and other examinations for the purpose of ascertaining their ability to meet obligations and compliance with state laws; and to do related work as required.