Dodd-Frank Act Proposals
The Board has requested public comment on proposals related to the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank Act") listed below. The Dodd-Frank Act rules and proposed rules that the Board expects to issue during the next six months are summarized in the Unified Agenda (also known as the Semiannual Regulatory Agenda), which is published twice a year in the Federal Register. View the Board's Unified Agenda (PDF). Information about the Board's implementation of the Dodd-Frank Act can be found on the Regulatory Reform web page.
Comments can be submitted through this web site using the "Submit comment" links. Comments may also be submitted in writing or by electronic mail (see text of each proposal for contact information). Please note the closing date for each comment period.
Public comments on the proposals and, if publicly available, related staff materials can be viewed by following the associated links. Public comments may also be viewed electronically or in paper form in Room 146, 1709 New York Avenue, N.W., Washington, D.C. 20006 between 9:00 a.m. and 5:00 p.m. on weekdays. All comments are reproduced without alteration except when necessary for technical reasons or to remove sensitive PII.
You can find, review, and submit comments on other federal documents that are open for comment and published in the Federal Register at Regulations.gov.
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Agency Information Collection [ICP-202419]
Proposal to approve under OMB delegated authority the extension for three years, with revision, the Reporting, Recordkeeping, and Disclosure Requirements Associated with Regulation YY (FR YY; OMB No. 7100-0350).
Closing date for comments: 5/28/2024
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Agency Information Collection [ICP-202410]
Proposal to approve under OMB delegated authority the extension for three years, without revision, the Recordkeeping and Disclosure Requirements Associated with the CFPB's Regulation M (FR M, OMB No. 7100-0202).
Closing date for comments: 5/6/2024
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Regulation II: Debit Card Interchange Fees and Routing [R-1818]
Regulation II implements a provision of the Dodd-Frank Act that requires the Board to establish standards for assessing whether the amount of any interchange fee received by a debit card issuer is reasonable and proportional to the cost incurred by the issuer with respect to the transaction. The Board proposes to update all three components of the interchange fee cap based on the latest data reported to the Board by large debit card issuers. Further, the Board proposes to update the interchange fee cap every other year going forward by directly linking the interchange fee cap to data from the Board’s biennial survey of large debit card issuers. The Board also proposes a set of technical revisions to Regulation II.
Updated: HTM
Closing date for comments: 5/12/2024
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Guidance for Resolution Plan Submissions of Domestic Triennial Full Filers [OP-1816]
The Board and the FDIC are inviting comments on proposed guidance for the 2024 and subsequent resolution plan submissions by certain domestic banking organizations.
Closing date for comments: 11/30/2023
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The OCC, the Board, and the FDIC are issuing a proposed rule for comment that would require certain large depository institution holding companies, U.S. intermediate holding companies of foreign banking organizations, and certain insured depository institutions, to issue and maintain outstanding a minimum amount of long-term debt.
Updated: HTM
Closing date for comments: 1/16/2024
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Guidance for Resolution Plan Submissions of Foreign Triennial Full Filers [OP-1817]
The Board and the FDIC are inviting comments on proposed guidance for the 2024 and subsequent resolution plan submissions by certain foreign banking organizations.
Closing date for comments: 11/30/2023
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The Board of Governors of the Federal Reserve System (Board) is inviting public comment on a notice of proposed rulemaking to amend the Board’s rule that identifies and establishes risk-based capital surcharges for global systemically important bank holding companies (GSIBs). The proposal would also amend the Systemic Risk Report (FR Y-15), which is the source of inputs to the implementation of the GSIB framework under the capital rule.
Updated: HTM
Closing date for comments: 1/16/2024
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The OCC, the Board, and the FDIC are inviting public comment on a notice of proposed rulemaking (proposal) that would substantially revise the capital requirements applicable to large banking organizations and to banking organizations with significant trading activity. The revisions set forth in the proposal would improve the calculation of risk-based capital requirements to better reflect the risks of these banking organizations’ exposures, reduce the complexity of the framework, enhance the consistency of requirements across these banking organizations, and facilitate more effective supervisory and market assessments of capital adequacy.
Updated: HTM
Closing date for comments: 1/16/2024
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Quality Control Standards for Automated Valuation Models [R-1807]
The OCC, Board, FDIC, NCUA, CFPB, and FHFA invite comment on a proposed rule to implement the quality control standards mandated by the Dodd-Frank Wall Street Reform and Consumer Protection Act for the use of automated valuation models by mortgage originators and secondary market issuers in determining the collateral worth of a mortgage secured by a consumer’s principal dwelling.
Closing date for comments: 8/21/2023
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Temporary Asset Thresholds [R-1731]
The OCC, Board, and the FDIC are issuing an interim final rule to permit national banks, savings associations, state banks, bank holding companies, savings and loan holding companies, and U.S. branches and agencies of foreign banking organizations with under $10 billion in total assets as of December 31, 2019 (community banking organizations) to use asset data as of December 31, 2019, in order to determine the applicability of various regulatory asset thresholds during calendar years 2020 and 2021. The Board is temporarily revising the instructions to a number of its regulatory reports to provide that community banking organizations may use asset data as of December 31, 2019, in order to determine reporting requirements for reports due in calendar years 2020 or 2021.
Closing date for comments: 2/1/2021
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Agency Information Collection [ICP-202024]
Proposal to approve under OMB delegated authority the temporary revision of the Reporting Requirements Associated with Emergency Lending Under Section 13(3) (FR A; OMB No. 7100–0373).
Closing date for comments: 10/20/2020
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Agency Information Collection [ICP-202021]
The Federal Financial Institutions Examination Council (FFIEC), of which the OCC, Treasury, the Board, and the FDIC are members, has approved the agencies’ publication for public comment of a proposal to revise and extend the Consolidated Reports of Condition and Income (Call Reports) (FFIEC 031, FFIEC 041, and FFIEC 051) and Regulatory Capital Reporting for Institutions Subject to the Advanced Capital Adequacy Framework (FFIEC 101), which are currently approved collections of information. The FFIEC has also approved the Board’s publication for public comment, on behalf of the agencies, of a proposal to revise and extend the Report of Assets and Liabilities of U.S. Branches and Agencies of Foreign Banks (FFIEC 002) and the Report of Assets and Liabilities of a Non-U.S. Branch that is Managed or Controlled by a U.S. Branch or Agency of a Foreign (Non-U.S.) Bank (FFIEC 002S), which also are currently approved collections of information.
Closing date for comments: 9/21/2020
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Agency Information Collection [ICP-202016]
Proposal to approve under OMB delegated authority the temporary revision of the Reporting Requirements Associated with Emergency Lending Under Section 13(3) (FR A; OMB No. 7100-0373).
Closing date for comments: 8/3/2020
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Agency Information Collection [ICP-202015]
Proposal to approve under OMB delegated authority the temporary revision of the Reporting Requirements Associated with Emergency Lending Under Section 13(3) (FR A; OMB No. 7100-0373).
Closing date for comments: 7/14/2020
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In light of recent disruptions in economic conditions caused by the coronavirus disease 2019 and strains in U.S. financial markets, The Office of the Comptroller of the Currency, The Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation (together, the agencies) are issuing an interim final rule that temporarily revises the supplementary leverage ratio calculation for depository institutions. Under the interim final rule, any depository institution subsidiary of a U.S. global systemically important bank holding company or any depository institution subject to Category II or Category III capital standards may elect to exclude temporarily U.S. Treasury securities and deposits at Federal Reserve Banks from the supplementary leverage ratio denominator. Additionally, under this interim final rule, any depository institution making this election must request approval from its primary Federal banking regulator prior to making certain capital distributions so long as the exclusion is in effect.
Closing date for comments: 7/16/2020
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Agency Information Collection [ICP-202011]
Proposal to approve under OMB delegated authority the extension for three years, with revision, the Financial Statements for Holding Companies (FR Y-9; OMB No. 7100-0128). Additionally, the Board has temporarily revised the FR Y-9 pursuant to the authority delegated to the Board by the Office of Management and Budget (OMB) (OMB Regulations on Controlling Paperwork Burdens on the Public). The revisions are applicable only to reports reflecting the March 31, 2020, as of date.
Closing date for comments: 6/8/2020
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In light of recent disruptions in economic conditions caused by the coronavirus disease 2019 (COVID-19) and current strains in U.S. financial markets, the Board is issuing an interim final rule that revises, on a temporary basis for bank holding companies, savings and loan holding companies, and U.S. intermediate holding companies of foreign banking organizations, the calculation of total leverage exposure, the denominator of the supplementary leverage ratio in the Board's capital rule, to exclude the on-balance sheet amounts of U.S. Treasury securities and deposits at Federal Reserve Banks. The Board is adopting this interim final rule to allow bank holding companies, savings and loan holding companies, and intermediate holding companies subject to the supplementary leverage ratio increased flexibility to continue to act as financial intermediaries. The tier 1 leverage ratio is not affected by this rulemaking.
Closing date for comments: 5/29/2020
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Agency Information Collection [ICP-201935]
Proposal to approve under OMB delegated authority to extend for three years, with revision, the Capital Assessments and Stress Testing Reports (FR Y-14A/Q/M; OMB No. 7100-0341). Please note that the Board is publishing a separate notice for comment focusing on incorporating the Current Expected Credit Loss (CECL) methodology into the FR Y-14A/Q/M reports.
Closing date for comments: 9/30/2019
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Margin and Capital Requirements for Covered Swap Entities [R-1654]
The OCC, Board, FDIC, FCA, and FHFA are adopting and invite comment on an interim final rule amending the Agencies' regulations that require swap dealers and security-based swap dealers under the Agencies' respective jurisdictions to exchange margin with their counterparties for swaps that are not centrally cleared (Swap Margin Rule). The Swap Margin Rule takes effect under a phased compliance schedule stretching from 2016 through 2020, and the dealers covered by the rule continue to hold swaps in their portfolios that were entered into before the effective dates of the rule.
Closing date for comments: 4/18/2019
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Agency Information Collection [ICP-201830]
Proposal to approve under OMB delegated authority the implementation of a new information collection: Single-Counterparty Credit Limits (FR 2590).
Closing date for comments: 12/31/1900
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Agency Information Collection [ICP-201808]
The Board, in connection with the proposal for the new FFIEC 016 report (published October 6, 2017), has approved the transition of the FR Y-16, which it currently uses to collect the annual company-run stress test results, to the FFIEC 016, conditioned on the approval of the FFIEC 016 by the OMB. Also in connection with the final adoption of the FFIEC 016, the OCC and the FDIC are proposing to replace the OCC's DFAST 10-50B and the FDIC's DFAST 10-50, respectively, with the FFIEC 016.
Closing date for comments: 3/26/2018
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Regulation M: Consumer Leasing [R-1591]
The Board is proposing to revise its Regulation M, 12 CFR part 213, which was issued to implement the Consumer Leasing Act (CLA). Title X of the Dodd-Frank Act transferred rulemaking authority for a number of consumer financial protection laws, including the CLA, from the Board to the Bureau of Consumer Financial Protection (Bureau). Under section 1029 of the Dodd-Frank Act, however, the Board retains authority to issue rules for motor vehicle dealers that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both, and are otherwise not subject to the Bureau's regulatory authority. The Board is proposing to revise its Regulation M and the accompanying Official Staff Commentary to reflect this change in the persons covered by the Board's Regulation M.
Closing date for comments: 3/5/2018
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Agency Information Collection [ICP-201727]
The agencies, under the auspices of the Federal Financial Institutions Examination Council have approved the publication for public comment of the proposed Annual Dodd-Frank Act Company-Run Stress Test Report for Depository Institutions and Holding Companies with $10-$50 Billion in Total Consolidated Assets (FFIEC 016). This proposed report would combine the agencies' three separate, yet identical, stress test report forms, which are currently approved collections of information, into a single new FFIEC report.
Closing date for comments: 12/5/2017
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Agency Information Collection [ICP-201723]
Proposal to approve under OMB delegated authority the extension for three years, with revision, of the following report: The Banking Organization Systemic Rick Report (FR Y-15).
Closing date for comments: 11/23/2017
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Banking Organization Systemic Risk Report [R-1535]
The Board invites comment on an interim final rule that would extend the amount of time that certain firms have to complete Schedule G of the Banking Organization Systemic Risk Report (FR Y-15).
Closing date for comments: 2/14/2017
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Regulation YY: Enhanced Prudential Standards for Systemically Important Insurance Companies [R-1540]
The Board is inviting public comment on the proposed application of enhanced prudential standards to certain nonbank financial companies that the Financial Stability Oversight Council has determined should be supervised by the Board. The Board is proposing standards that are tailored to the business models, capital structures, risk profiles, and systemic footprints of the nonbank financial companies with significant insurance activities.
Closing date for comments: 8/2/2016
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The Board is inviting comment on an advance notice of proposed rulemaking regarding approaches to regulatory capital requirements for depository institution holding companies significantly engaged in insurance activities and nonbank financial companies that the Financial Stability Oversight Council has determined will be supervised by the Board and that have significant insurance activities.
Closing date for comments: 9/16/2016
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Incentive-based Compensation Arrangements [R-1536]
The OCC, Board, FDIC, FHFA, NCUA, and SEC are seeking comment on a joint proposed rule to revise the proposed rule the Agencies published in the Federal Register on April 14, 2011, and to implement section 956 of the Dodd-Frank Wall Street Reform and Consumer Protection Act.
Closing date for comments: 7/22/2016
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Agency Information Collection [ICP-201616]
Proposal to approve under OMB delegated authority the implementation of the following report: Consolidated Financial Statements for Insurance Nonbank Financial Companies (FR 2085).
Closing date for comments: 6/24/2016
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The OCC and Board invite comment on an interim final rule that amends the definition of "qualifying master netting agreement" under the regulatory capital rules, and the liquidity coverage ration rule, as well as under the lending limits rule applicable to national banks and Federal savings associations.
Closing date for comments: 3/3/2015
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Interagency interim final rule to permit banking entities to retain interests in certain collateralized debt obligations backed primarily by trust preferred securities (TruPS CDOs) from the investment prohibitions of section 619 of the Dodd-Frank Act, known as the Volcker rule.
Closing date for comments: 3/3/2014
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Interim final rule setting forth regulations for savings and loan holding companies ("SLHCs"). This interim final rule provides for the corresponding transfer from the OTS to the Board of the regulations necessary for the Board to administer the statutes governing SLHCs.
Closing date for comments: 11/1/2011
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Continued Application of Regulations to Savings and Loan Holding Companies [OP-1427]
Request for comment on a notice that outlines the regulations previously issued by the Office of Thrift Supervision (OTS) that the Federal Reserve will continue to enforce after assuming supervisory responsibility for savings and loan holding companies (SLHCs).
Closing date for comments: 8/31/2011
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Incentive-Based Compensation Arrangements [R-1410]
Proposal to require the reporting of incentive-based compensation arrangements by a covered financial institution. Proposal would also prohibit incentive-based compensation arrangements at a covered financial institution when such compensation is excessive, could expose the institution to inappropriate risks, or potentially lead to material financial loss.
Closing date for comments: 11/1/2011
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Interagency Advance Notice of Proposed Rulemaking regarding Alternatives to the Use of Credit Ratings in the Risk-Based Capital Guidelines of the Federal Banking Agencies.
Closing date for comments: 10/25/2010
Final Dodd-Frank Act Proposals
The Board has taken final action on the Dodd-Frank Act proposals listed below. The Board's final action and the comments submitted on the proposal may be viewed by clicking the appropriate links.
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Agency Information Collection [ICP-202306]
Proposal to approve under OMB delegated authority the extension for three years, without revision, the Reporting and Recordkeeping Requirements Associated with Regulation KK (FR KK; OMB No. 7100-0364).
Comments: View
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Agency Information Collection [ICP-202240]
Proposal to approve under OMB delegated authority the extension for three years, without revision, the Recordkeeping and Disclosure Requirements Associated with Regulation RR (FR RR; OMB No. 7100-0372).
Comments: View
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Agency Information Collection [ICP-202238]
Proposal to approve under OMB delegated authority the extension for three years, with revision, the Reporting, Recordkeeping, and Disclosure Requirements Associated with Regulation Q (FR Q; OMB No. 7100-0313).
Comments: View
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Agency Information Collection [ICP-202232]
Proposal to approve under OMB delegated authority the extension for three years, without revision, the Selected Balance Sheet Items for Discount Window Borrowers (OMB No. 7100-0289).
Comments: View
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Regulation HH: Financial Market Utilities [R-1782]
The Board is proposing to amend the requirements relating to operational risk management in the Board’s Regulation HH, which applies to certain financial market utilities that have been designated as systemically important (designated FMUs) by the Financial Stability Oversight Council under Title VIII of the Dodd-Frank Wall Street Reform and Consumer Protection Act. The proposal would update, refine, and add specificity to the operational risk management requirements in Regulation HH to reflect changes in the operational risk, technology, and regulatory landscapes in which designated FMUs operate since the Board last amended this regulation in 2014.
Comments: View
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Agency Information Collection [ICP-202231]
Proposal to approve under OMB delegated authority the extension for three years, without revision, the Payments Research Survey (FR 3067; OMB No. 7100-0355).
Comments: View
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Agency Information Collection [ICP-202227]
Proposal to approve under OMB delegated authority the extension for three years, without revision, the Savings Association Holding Company Report (FR LL-(b)11; OMB No. 7100-0334).
Comments: View
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Agency Information Collection [ICP-202223]
Proposal to approve under OMB delegated authority the extension for three years, with revision, the Interchange Transaction Fees Survey (FR 3064; OMB No. 7100-0344).
Comments: View
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Agency Information Collection [ICP-202219]
Proposal to approve under OMB delegated authority the extension for three years, without revision, the Systemic Risk Report (FR Y-15; OMB No. 7100-0352).
Comments: View
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Agency Information Collection [ICP-202217]
Proposal to approve under OMB delegated authority the extension for three years, with revision, the Reports of Foreign Banking Organizations (FR Y-7N, FR Y-7NS, and FR Y-7Q; OMB No. 7100-0125).
Comments: View
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Agency Information Collection [ICP-202216]
Proposal to approve under OMB delegated authority the extension for three years, without revision, the Disclosure Requirements and Recordkeeping Requirements Associated with Regulation CC (FR CC; OMB No. 7100-0235).
Comments: View
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Agency Information Collection [ICP-202215]
Proposal to approve under OMB delegated authority the extension for three years, with revision, the Structure Reporting and Recordkeeping Requirements for Domestic and Foreign Banking Organizations (FR Y-6, FR Y-7, FR Y-10, and FR Y-10E; OMB No. 7100-0297).
Comments: View
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Regulation BB: Community Reinvestment Act [R-1769]
The Board, FDIC, and OCC propose to amend their regulations implementing the Community Reinvestment Act of 1977 (CRA) to update how CRA activities qualify for consideration, where CRA activities are considered, and how CRA activities are evaluated.
Updated: HTM
Comments: View
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Rules of Practice and Procedure [R-1766]
The Board, OCC, FDIC, and NCUA are proposing changes to the Uniform Rules of Practice and Procedure (Uniform Rules) to recognize the use of electronic communications in all aspects of administrative hearings and to otherwise increase the efficiency and fairness of administrative adjudications. The OCC, Board, and FDIC are also proposing to modify their agency-specific rules of administrative practice and procedure (Local Rules).
Comments: View
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Agency Information Collection [ICP-202209]
Proposal to approve under OMB delegated authority the extension for three years, without revision, the Notice of Proposed Stock Redemption (FR 4008; OMB No. 7100-0131).
Comments: View
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Agency Information Collection [ICP-202208]
Proposal to approve under OMB delegated authority the extension for three years, with revision, the Capital Assessments and Stress Testing Reports (FR Y-14A/Q/M; OMB No. 7100-0341).
Comments: View
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Agency Information Collection [ICP-202206]
Proposal to approve under OMB delegated authority the extension for three years, without revision, the Recordkeeping and Disclosure Requirements Associated with the CFPB's and the Board's Regulations V (FR V; OMB No. 7100-0308).
Comments: View
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Framework for the Supervision of Insurance Organizations [OP-1765]
The Board is seeking comment on a new supervisory framework for depository institution holding companies significantly engaged in insurance activities, or supervised insurance organizations.
Updated: HTM
Comments: View
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Agency Information Collection [ICP-202148]
Proposal to approve under OMB delegated authority the extension for three years, without revision, the Procurement Solicitation Package (FR 1400; OMB No. 7100-0180).
Comments: View
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Agency Information Collection [ICP-202136]
Proposal to approve under OMB delegated authority the extension for three years, with revision, the Financial Statements for Holding Companies (FR Y-9 reports; OMB Control Number 7100-0128).
Comments: View
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Agency Information Collection [ICP-202133]
Proposal to approve under OMB delegated authority the extension for three years, without revision, the Registration of a Securities Holding Company (FR 2082; OMB No. 7100-0347).
Comments: View
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Agency Information Collection [ICP-202127]
Proposal to approve under OMB delegated authority the extension for three years, without revision, the Basel II Interagency Pillar 2 Supervisory Guidance (FR 4199; OMB No. 7100–0320).
Comments: View
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Agency Information Collection [ICP-202125]
Proposal to approve under OMB delegated authority the extension for three years, without revision, the Supervisory and Regulatory Survey (FR 3052; OMB No. 7100-0322).
Comments: View
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Agency Information Collection [ICP-202126]
Proposal to approve under OMB delegated authority the extension for three years, without revision, the Policy Impact Survey (FR 3075; OMB No. 7100-0362).
Comments: View
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Debit Card Interchange Fees and Routing [R-1748]
The Board of Governors (Board) is seeking comment on a proposal to amend Regulation II to clarify that the requirement that each debit card transaction must be able to be processed on at least two unaffiliated payment card networks applies to card-not-present transactions, clarify the requirements that Regulation II imposes on debit card issuers to ensure that at least two unaffiliated payment card networks have been enabled for debit card transactions, and standardize and clarify the use of certain terminology.
Updated: HTM
Comments: View
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Agency Information Collection [ICP-202115]
Proposal to approve under OMB delegated authority the extension for three years, with revision, the Complex Institution Liquidity Monitoring Report (FR 2052a; OMB No. 7100–0361).
Comments: View
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Agency Information Collection [ICP-202111]
Proposal to approve under OMB delegated authority the extension for three years, without revision, the Recordkeeping Provisions Associated with Stress Testing Guidance (FR 4202; OMB No. 7100–0348).
Comments: View
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Agency Information Collection [ICP-202110]
Proposal to approve under OMB delegated authority the temporary revision of the Reporting and Disclosure Requirements Associated with Emergency Lending Under Section 13(3) (FR A; OMB No. 7100–0373).
Comments: View
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Agency Information Collection [ICP-202038]
Proposal to approve under OMB delegated authority the extension for three years, with revision, the Government-Administered, General-Use Prepaid Card Surveys (FR 3063; OMB No. 7100–0343).
Comments: View
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Role of Supervisory Guidance [R-1725]
The OCC, Board, FDIC, NCUA, and Bureau are inviting comment on a proposed rule that would codify the Interagency Statement Clarifying the Role of Supervisory Guidance issued by the agencies on September 11, 2018 (2018 Statement). By codifying the 2018 Statement, the proposed rule is intended to confirm that the agencies will continue to follow and respect the limits of administrative law in carrying out their supervisory responsibilities.
Comments: View
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Agency Information Collection [ICP-202031]
Proposal to approve under OMB delegated authority the extension for three years, with revision, the Financial Statements for Holding Companies (FR Y–9 reports; OMB Control Number 7100–0128) and the Consolidated Report of Condition and Income for Edge and Agreement Corporations (FR 2886b; OMB Control Number 7100– 0086).
Comments: View
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The Board is inviting comment on a notice of proposed rulemaking to tailor the requirements in the Board’s capital plan rule, which applies to large bank holding companies and U.S. intermediate holding companies of foreign banking organizations. Specifically, as foreshadowed in the Board’s October 2019 rulemaking that updated the prudential framework for these companies (tailoring framework), the proposal would make conforming changes to the capital planning, regulatory reporting, and stress capital buffer requirements for firms subject to Category IV standards to be consistent with the tailoring framework. To be consistent with recent changes to the Board’s stress testing rules, the proposal would make other changes to the Board’s stress testing rules, Stress Testing Policy Statement and regulatory reporting requirements relating to business plan change assumptions, capital action assumptions, and the publication of company-run stress test results for savings and loan holding companies.
Updated: HTM
Comments: View
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Agency Information Collection [ICP-202030]
Proposal to approve under OMB delegated authority the temporary revision of the Capital Assessments and Stress Testing Reports (FR Y-14A/Q/M; OMB No. 7100-0341). The temporary revisions, which would require firms to submit data necessary for the Board to conduct additional analysis in connection with resubmission of firms' capital plans, including consideration of the global market shock (GMS) component, require the reporting of certain additional data as of June 30, 2020.
Comments: View
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Agency Information Collection [ICP-202026]
Proposal to approve under OMB delegated authority the extension for three years, with revision, the Consolidated Holding Company Report of Equity Investments in Nonfinancial Companies (FR Y–12; OMB No. 7100–0300) and the Annual Report of Merchant Banking Investments Held for an Extended Period (FR Y–12A; OMB No. 7100–0300).
Comments: View
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Agency Information Collection [ICP-202019]
Proposal to approve under OMB delegated authority the extension for three years, with revision, the FR Y-14A/Q/M reports in order to address questions related to the reporting of certain current expected credit losses (CECL) and capital data, which would be applicable to reports beginning with the December 31, 2020, as of date. The Board has temporarily revised the Capital Assessments and Stress Testing Reports (FR Y-14A/Q/M; OMB No. 7100-0341) pursuant to the authority delegated to the Board by the Office of Management and Budget (OMB), per OMB Regulations on Controlling Paperwork Burdens on the Public. The temporary revisions, which would collect data pertaining to certain aspects of the Coronavirus Aid, Relief, and Economic Security Act, information on firm activity associated with various Federal Reserve lending facilities, and information regarding emerging risks arising from the coronavirus disease 2019 (COVID-19) pandemic, are applicable to reports beginning with the July 31, 2020, or September 30, 2020, as of date.
Comments: View
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Agency Information Collection [ICP-202018]
Proposal to approve under OMB delegated authority the extension for three years, the FR Y–9 family of reports with revisions to the FR Y-9C. The Board has temporarily revised the Consolidated Financial Statements for Holding Companies (FR Y–9C; OMB No. 7100– 0128).
Comments: View
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Liquidity Coverage Ratio Rule: Treatment of Certain Emergency Facilities [R-1717]
To provide liquidity to the money market sector, small business lenders, and the broader credit markets in order to stabilize the financial system, the Board of Governors of the Federal Reserve System (Board) authorized the establishment of the Money Market Mutual Fund Liquidity Facility (MMLF) and the Paycheck Protection Program Liquidity Facility (PPPLF), pursuant to section 13(3) of the Federal Reserve Act. To facilitate use of these Federal Reserve facilities, and to ensure that the effects of their use are consistent and predictable under the Liquidity Coverage Ratio (LCR) rule, the Office of the Comptroller of the Currency, the Board, and the Federal Deposit Insurance Corporation (together, the agencies) are adopting this interim final rule, with request for comment, to require banking organizations to neutralize the effect under the LCR rule of participating in the MMLF and the PPPLF.
Comments: View
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Regulatory Capital Rule: Paycheck Protection Program Lending Facility and Paycheck [R-1712]
To provide liquidity to small business lenders and the broader credit markets, to help stabilize the financial system, and to provide economic relief to small businesses nationwide, the Board of Governors of the Federal Reserve System (Board) authorized each of the Federal Reserve Banks to participate in the Paycheck Protection Program Lending Facility (PPPL Facility), pursuant to section 13(3) of the Federal Reserve Act. To facilitate use of this Federal Reserve facility, the Office of the Comptroller of the Currency, the Board, and the Federal Deposit Insurance Corporation are adopting this interim final rule, with request for comment, to allow banking organizations to neutralize the regulatory capital effects of participating in the facility.
Comments: View
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Regulatory Capital Rule: Transition for the Community Bank Leverage Ratio Framework [R-1711]
This interim final rule provides a graduated transition to a community bank leverage ratio requirement of 9 percent from the temporary 8-percent community bank leverage ratio requirement (transition interim final rule). When the requirements in the transition interim final rule become applicable, the community bank leverage ratio will be 8 percent beginning in the second quarter of calendar year 2020, 8.5 percent through calendar year 2021, and 9 percent thereafter. The transition interim final rule also maintains a two-quarter grace period for a qualifying community banking organization whose leverage ratio falls no more than 1 percentage point below the applicable community bank leverage ratio requirement.
Comments: View
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The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation are inviting comment on an interim final rule that delays the estimated impact on regulatory capital stemming from the implementation of Accounting Standards Update No. 2016-13, Financial Instruments-Credit Losses, Topic 326, Measurement of Credit Losses on Financial Instruments (CECL). The interim final rule provides banking organizations that implement CECL before the end of 2020 the option to delay for two years an estimate of CECL's effect on regulatory capital, relative to the incurred loss methodology's effect on regulatory capital, followed by a three-year transition period.
Comments: View
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Guidance for Resolution Plan Submissions of Certain Foreign-based Covered Companies [OP-1699]
The Board and the FDIC are inviting comments on proposed guidance for the 2021 and subsequent resolution plan submissions by certain foreign banking organizations ("FBOs").
Updated: PDF
Comments: View
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Agency Information Collection [ICP-202008]
Proposal to approve under OMB delegated authority the extension for three years, with revision, the Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies (FR 2100; OMB No. 7100-0368).
Comments: View
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The OCC, Board, FDIC, SEC, and CFTC are inviting comment on a proposal that would amend the regulations implementing section 13 of the Bank Holding Company Act. Section 13 contains certain restrictions on the ability of a banking entity or nonbank financial company supervised by the Board to engage in proprietary trading and have certain interests in, or relationships with, a hedge fund and private equity fund. The proposed amendments are intended to continue the agencies' efforts to improve and streamline the regulations implementing section 13 of the BHC Act by modifying and clarifying requirements related to the covered fund provisions.
Updated: HTM
Comments: View
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Agency Information Collection [ICP-202004]
Proposal to approve under OMB delegated authority the extension for three years, with revision, the Market Risk Capital Rule (FR 4201; OMB No. 7100-0314).
Comments: View
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Agency Information Collection [ICP-202003]
Proposal to approve under OMB delegated authority the extension for three years, without revision, the Registration of Mortgage Loan Originators (CFPB G; OMB No. 7100-0328).
Comments: View
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Agency Information Collection [ICP-201955]
Proposal to approve under OMB delegated authority the extension for three years, with revision, the Financial Statements for Holding Companies (FR Y-9 Reports; OMB No. 7100-0128).
Comments: View
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Single-Counterparty Credit Limits for Bank Holding Companies and Foreign Banking [R-1534]
On August 6, 2018, the Board published a final rule in the Federal Register (83 FR 38460) regarding Single-Counterparty Credit Limits for Bank Holding Companies and Foreign Banking Organizations (final SCCL rule), which was modified by the Board's recent rule establishing risk-based categories for determining prudential standards for large U.S. banking organizations and foreign banking organizations. The Board is requesting comment on a proposed amendment that would modify these initial compliance dates to July 1, 2021, and January 1, 2022, respectively, regarding the SCCL applicable to a foreign banking organization's combined U.S. operations only.
Comments: View
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Margin and Capital Requirements for Covered Swap Entities [R-1682]
The OCC, Board, FDIC, FCA, and FHFA request comment on a proposed rule that would amend the agencies' regulations that require swap dealers and security-based swap dealers under the agencies' respective jurisdictions to exchange margin with their counterparties for swaps that are not centrally cleared (Swap Margin Rule).
Updated: PDF
Comments: View
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The Board invites comments on a proposal to amend the Board's assessment rule (Regulation TT), pursuant to Section 318 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (12 U.S.C. 248(s)), to address amendments made by section 401 of the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA).
Comments: View
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Agency Information Collection [ICP-201948]
Proposal to approve under OMB delegated authority the extension for three years, with revision, the FinancialStatements for Holding Companies (FRY-9 Reports; OMB No. 7100-0128).
Comments: View
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Agency Information Collection [ICP-201946]
Proposal to approve under OMB delegated authority the extension for three years, without revision, the Payments Research Survey (FR 3067; OMB No. 7100-0355).
Comments: View
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The Board is inviting comment on a proposal to establish risk-based capital requirements for depository institution holding companies that are significantly engaged in insurance activities. The Board is proposing a risk-based capital framework, termed the Building Block Approach, to determine a company's enterprise-wide capital requirement.
Updated: PDF
Comments: View
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Agency Information Collection [ICP-201939]
Proposal to extend for three years, with revision, the Interchange Transaction Fees Survey (FR 3064; OMB No. 7100-0344).
Comments: View
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Agency Information Collection [ICP-201936]
Proposal to approve under OMB delegated authority to extend for three years, with revision, the Capital Assessments and Stress Testing Reports (FR Y-14A/Q/M; OMB No. 7100-0341). Please note that the Board is publishing a separate notice for comment focusing on incorporating non-Current Expected Credit Loss (CECL) methodology revisions into the FR Y-14A/Q/M reports.
Comments: View
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The Office of the Comptroller of the Currency, Board of Governors of the Federal Reserve System, and Federal Deposit Insurance Corporation invite comment on a proposal to implement section 402 of the Economic Growth, Regulatory Relief, and Consumer Protection Act.
Comments: View
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Regulation QQ: Resolution Plans Required [R-1660]
The Board and the Federal Deposit Insurance Corporation invite comment on a proposal to amend and restate the jointly issued regulation implementing the resolution planning requirements of section 165(d) of the Dodd-Frank Wall Street Reform and Consumer Protection Act (12 U.S.C. 5365(d)). The proposal is intended to reflect improvements identified since the Rule was finalized in November 2011 and to address amendments to the Dodd-Frank Act made by the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA).
Comments: View
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Agency Information Collection [ICP-201914]
Proposal to approve under OMB delegated authority to extend for three years, with revision, the Market Risk Capital Rule (FR 4201; OMB No. 7100-0314).
Comments: View
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The Office of the Comptroller of the Currency, the Board, and the Federal Deposit Insurance Corporation are inviting comment on a proposal that would determine the application of regulatory capital requirements to certain U.S. intermediate holding companies of foreign banking organizations and their depository institution subsidiaries and the application of standardized liquidity requirements with respect to certain U.S. operations of large foreign banking organization and certain of their depository institution subsidiaries, each according to risk-based categories.
Comments: View
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Agency Information Collection [ICP-201913]
Proposal to approve under OMB delegated authority to extend for three years, without revision, the Recordkeeping and Disclosure Requirements Associated with Regulation II (Debit Card Interchange Fees and Routing) (FR II).
Comments: View
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The Board invites comment on a proposed rule that would revise the framework for applying the enhanced prudential standards applicable to foreign banking organizations under section 165 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, as amended by the Economic Growth, Regulatory Relief, and Consumer Protection Act. The proposal would establish categories that would be used to tailor the stringency of enhanced prudential standards based on the risk profile of a foreign banking organization's operations in the United States. The proposal also would amend certain enhanced prudential standards, including standards relating to liquidity, risk management, stress testing, and single-counterparty credit limits, and would make corresponding changes to reporting forms.
Comments: View
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The OCC, Board, and FDIC are inviting public comment on a notice of proposed rulemaking (proposal) that would address an advanced approaches banking organization's regulatory capital treatment of an investment in unsecured debt instruments issued by foreign or U.S. global systemically important banking organizations (GSIBs) for the purposes of meeting minimum total loss absorbing capacity (TLAC) and, where applicable, long-term debt (LTD) requirements, or unsecured debt instruments issued by GSIBs that are pari passu or subordinated to such debt instruments.
Comments: View
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Regulations LL and YY: Amendments to the Company-run and Supervisory Stress Test Rules [R-1648]
The Board is requesting comment on a proposed rule that would amend the Board's company-run stress test and supervisory stress test rules, consistent with section 401 of the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA).
Updated: PDF
Comments: View
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Proposal to Exclude Community Banks from the Volcker Rule [R-1643]
The OCC, Board, FDIC, SEC, and CFTC are inviting comment on a proposal to amend the regulations implementing the Bank Holding Company Act's (BHC Act) prohibitions and restrictions on proprietary trading and certain interests in, and relationships with, hedge funds and private equity funds in a manner consistent with the statutory amendments made pursuant to certain sections of the Economic Growth, Regulatory Relief, and Consumer Protection Act. Comments must be received on or before 30 days after date of publication in the Federal Register. Comments on the Paperwork Reduction Act burden estimates must be received on or before 60 days after date of publication in the Federal Register.
Comments: View
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Agency Information Collection [ICP-201847]
Proposal to approve under OMB delegated authority to extend for three years, with revision, the Financial Statements for Holding Companies (FR Y-9 family of reports), the Financial Statements of U.S. Nonbank Subsidiaries Held by Foreign Banking Organizations (FR Y-7N family of reports), the Bank Holding Company Report of Insured Depository Institutions' Section 23A Transactions with Affiliates (FR Y-8), the Financial Statements of U.S. Nonbank Subsidiaries of U.S. Holding Companies (FR Y-11 family of reports), the Domestic Finance Company Report of Consolidated Assets and Liabilities (FR 2248), the Financial Statements of Foreign Subsidiaries of U.S. Banking Organizations (FR 2314 family of reports), the Quarterly Savings and Loan Holding Company Report (FR 2320), the Weekly Report of Selected Assets and Liabilities of Domestically Chartered Commercial Banks and U.S. Branches and Agencies of Foreign Banks (FR 2644), and the Consolidated Report of Condition and Income for Edge and Agreement Corporations (FR2886b).
Comments: View
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Proposal to raise appraisal exemption threshold for residential real estate transactions [R-1639]
The OCC, Board, and FDIC (collectively, the agencies) are inviting comment on a proposed rule to amend the agencies' regulations requiring appraisals for certain real estate-related transactions from $250,000 to $400,000
Comments: View
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The Office of the Comptroller of the Currency, the Board, and the Federal Deposit Insurance Corporation are inviting public comment on a notice of proposed rulemaking that would provide for a simple measure of capital adequacy for certain community banking organizations, consistent with section 201 of the Economic Growth, Regulatory Relief, and Consumer Protection Act.
12/26/2019 Update: PDF
02/26/2020 Update: PDF
Comments: View
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Regulation CC - Availability of Funds and Collection of Checks [R-1637]
The Board and the Bureau (Agencies) are proposing amendments to Regulation CC, which implements the Expedited Funds Availability Act (EFA Act) (2018 Proposal), and are also providing and additional opportunity for public comment on certain amendments to Regulation CC that the Board proposed in 2011 (2011 Funds Availability Proposal).
Comments: View
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Agency Information Collection [ICP-201842]
Proposal under OMB delegated authority, to extend for three years, with revision, the Consolidated Holding Company Report of Equity Investment in Nonfinancial Companies (FR Y-12), and the Annual Report of Merchant Banking Investments Held for and Extended Period (FR Y-12A).
Comments: View
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Prudential Standards for Large Bank Holding Companies and Savings and Loan [R-1627]
The Board invites comment on a proposed rule that would establish risk-based categories for determining prudential standards for large U.S. banking organizations, consistent with section 401 of the Economic Growth, Regulatory Relief, and Consumer Protection Act. The proposal would also amend certain prudential standards, including standards relating to liquidity, risk management, stress testing, and single-counterparty credit limits, to reflect the risk profiles of banking organizations under each proposed category of standards and would apply prudential standards to certain large savings and loan holding companies using the same categories.
Comments: View
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The Board, the OCC, and the FDIC invite comment on a proposal that would establish risk-based categories for determining applicability of requirements under the regulatory capital rule, the liquidity coverage ratio rule, and the proposed net stable funding ratio rule for large U.S. banking organizations.
Comments: View
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Standardized Approach for Calculating the Exposure Amount of Derivative Contracts [R-1629]
The Board, the FDIC, and the OCC invite comment on a proposal that would implement a new approach for calculating the exposure amount of derivative contracts under the agencies' regulatory capital rule.
Updated: HTM
Updated: HTM
Comments: View
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Agency Information Collection [ICP-201841]
Proposal under OMB delegated authority, to extend for three years, without revision, the Basel II Interagency Pillar 2 Supervisory Guidance (Pillar 2 Guidance) (FR 4199).
Comments: View
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Agency Information Collection [ICP-201839]
The Board invites comment on a proposal to extend for three years, with revision, the Procurement Solicitation Package (FR 1400); Vendor Database (FR 1400A), Solicitation Package (FR 1400B), Vender Risk Management Offeror Questionnaire (FR 1400C), Subcontracting Report (FR 1400D).
Comments: View
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Regulation H and K: Registration of Mortgage Loan Originators [R-1622]
The Board is proposing to repeal its regulations that incorporated the Secure and Fair Enforcement for Mortgage Licensing Act (the S.A.F.E. Act). Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) transferred rulemaking authority for a number of consumer financial protection laws, including the S.A.F.E. Act, from the Board to the Bureau of Consumer Financial Protection.
Comments: View
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Agency Information Collection [ICP-201836]
Proposal to extend under OMB delegated authority for three years, without revision, the Supervisory and Regulatory Survey (FR 3052).
Comments: View
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Agency Information Collection [ICP-201833]
The Board invites comment on a proposal to implement a new information collection, the Single-Counterparty Credit Limits (SCCL) (FR 2590) and associated notice requirements in connection with the final SCCL rule recently published the Federal Register.
Comments: View
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Resolution Planning Guidance for Eight Large, Complex U.S. Banking Organizations [OP-1614]
The Board and the FDIC are inviting comments on proposed guidance for the 2019 and subsequent resolution plan submissions by the eight largest, complex U.S. banking organizations. The proposed guidance is meant to assist these firms in developing their resolution plans, which are required to be submitted pursuant to Section 165(d) of the Dodd-Frank Wall Street Reform and Consumer Protection Act.
Comments: View
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The OCC, Board, FDIC, SEC, and CFTC are requesting comment on a proposal that would amend the regulations implementing section 13 of the Bank Holding Company Act. Section 13 contains certain restrictions on the ability of a banking entity and nonbank financial company supervised by the Board to engage in proprietary trading and have certain interests in, or relationships with, a hedge fund or private equity fund. The proposed amendments are intended to provide banking entities with clarity about what activities are prohibited and to improve supervision and implementation of section
Comments: View
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Agency Information Collection [ICP-201821]
The Board invites comment on a proposal to extend for three years, without revision, the Recordkeeping and Disclosure Requirements Associated with CFPB's Regulation B (Equal Credit Opportunity Act) (FR B).
Comments: View
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Margin and Capital Requirements for Covered Swap Entities [R-1596]
The Board, OCC, FDIC, FCA, and FHFA are seeking comment on proposed amendments to the minimum margin requirements for registered swap dealers, major swap participants, security-based swap dealers, and major security-based swap participants for which one of the Agencies is the prudential regulator (Swap Margin Rule).
Comments: View
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Agency Information Collection [ICP-201803]
Proposal to approve under OMB delegated authority the extension for three years, with revision, of the following report: Reporting Requirements Associated with Regulation QQ (Reg. QQ).
Comments: View
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Amendments to Policy Statement on the Scenario Design Framework for Stress Testing [OP-1588]
The Board is requesting public comment on amendments to its policy statement on the scenario design framework for stress testing. The proposed amendments to the policy statement would clarify when the Board may adopt a change in the unemployment rate in the severely adverse scenario of less than 4 percentage points; institute a counter-cyclical guide for the change in the house price index in the severely adverse scenario; and provide notice that the Board plans to incorporate wholesale funding costs for banking organizations in the scenarios.
Comments: View
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Enhanced Disclosure of the Models Used in the Federal Reserve's Supervisory Stress Test [OP-1586]
The Board is inviting comment on an enhanced disclosure of the models used in the Federal Reserve's supervisory stress test conducted under the Board's Regulation YY (12 CFR part 252, subparts, F, G, and H) pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) and the Board's capital plan rule (12 CFR 225.8).
Comments: View
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Stress Testing Policy Statement [OP-1587]
The Board is inviting comment on a proposed policy statement on the approach to supervisory stress testing conducted under the Board's Regulation YY (12 CFR part 252, subpart E) pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) and the Board's capital plan rule (12 CFR 225.8).
Comments: View
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Agency Information Collection [ICP-201728]
Proposal to approve under OMB delegated authority the extension for three years, without revision, of the following report: Disclosure Requirements Associated with CFPB's Regulation DD (FR DD).
Comments: View
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Agency Information Collection [ICP-201722]
Proposal to approve under OMB delegated authority the extension for three years, without revision, of the following report: Quarterly Savings and Loan Holding Company Report (FR 2320).
Comments: View
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Agency Information Collection [ICP-201721]
Proposal to approve under OMB delegated authority the extension for three years, without revision, of the following report: Reporting Requirements Associated with Regulation XX Concentration Limit; Financial Company (as defined) Report of Consolidated Liabilities. (FR XX and FR XX-1).
Comments: View
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Agency Information Collection [ICP-201718]
Proposal to approve under OMB delegated authority the extension for three years, without revision, of the following report: Reporting, Recordkeeping, and Disclosure Requirements Associated with Proprietary Trading and Certain Interests in and Relationships with Covered Funds (FR VV).
Comments: View
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Agency Information Collection [ICP-201716]
Proposal to approve under OMB delegated authority the extension for three years, without revision, of the following report: Application for Exemption from Prohibited Service at Savings and Loan Holding Companies (FR LL-12).
Comments: View
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Agency Information Collection [ICP-201710]
Proposal to approve under OMB delegated authority the extension for three years, with revision, of the following report: Capital Assessments and Stress Testing (FR Y-14 A/Q/M).
Comments: View
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Agency Information Collection [ICP-201709]
Proposal to approve under OMB delegated authority the extension for three years, without revision, of the following report: Government-Administered, General-Use Prepaid Card Surveys (FR 3063a & FR 3063b).
Comments: View
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Agency Information Collection [ICP-202010]
Proposal to approve under OMB delegated authority the extension, for three years, with revision, the Capital Assessments and Stress Testing Reports (FR Y-14A/Q/M; OMB No. 7100-0341).
Comments: View
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Application of the RFI/C(D) Rating System to Savings and Loan Holding Companies [OP-1555]
The Board proposes to fully apply the same supervisory rating system to savings and loan holding companies as currently applies to bank holding companies. This proposal furthers the Board's goal of ensuring that holding companies that control depository institutions are subject to consistent standards and supervisory programs. The proposal would not apply to savings and loan holding companies engaged in significant insurance or commercial activities.
Comments: View
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Agency Information Collection [ICP-201626]
Proposal to approve under OMB delegated authority the extension for three years, with revision, of the following report: Joint Standards for Assessing Diversity Policies and Practices (FR 2100).
Comments: View
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Regulations Y and YY: Amendments to the Capital Plan and Stress Test Rules [R-1548]
The Board invites comment on a notice of proposed rulemaking to revise the capital plan and stress test rules for bank holding companies with $50 billion or more in total consolidated assets and U.S. intermediate holding companies of foreign banks.
Comments: View
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Agency Information Collection [ICP-201624]
Proposal to approve under OMB delegated authority the extension for three years, with revision, of the following report: Interchange Transaction Fees Surveys (FR 3064a (extended with revision) and FR 3064b (extended without revision)).
Comments: View
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Agency Information Collection [ICP-201623]
Proposal to approve under OMB delegated authority the extension for three years with revisions of the following report: Capital Assessments and Stress Testing information collection (FR Y-14A/Q/M).
Comments: View
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Consumer Leasing (Regulation M) [R-1545]
The Board and the CFPB are proposing to amend the official interpretations and commentary for the agencies' regulations that implement the Consumer Leasing Act (CLA), which requires that the dollar threshold for exempt consumer credit transactions be adjusted annually by the annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). The proposal would memorialize this as well as the agencies' calculation method for determining the adjustment in years following a year in which there is no annual percentage increase in the CPI-W.
Comments: View
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Agency Information Collection [ICP-201622]
Proposal to approve under OMB delegated authority the extension for three years, with revision, of the following report: Savings Association Holding Company Report (FR H-(b)11).
Comments: View
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Truth in Lending (Regulation Z) [R-1546]
The Board and the CFPB are proposing to amend the official interpretations and commentary for the agencies' regulations that implement the Truth in Lending Act (TILA), which requires that the dollar threshold for exempt consumer credit transactions be adjusted annually by the annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). If there is no annual percentage increase in the CPI-W, the Board and Bureau will not adjust this exemption threshold from the prior year. The proposal would memorialize this as well as the agencies' calculation method for determining the adjustment in years following a year in which there is no annual percentage increase in the CPI-W.
Comments: View
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Appraisals for Higher-Priced Mortgage Loans Exemption Threshold [R-1443]
The Board, the Consumer Financial Protection Bureau (CFPB), and the Office of the Comptroller of the Currency (OCC) issued a proposal detailing the method that will be used to make annual inflation adjustments to the threshold for exempting small loans from higher priced mortgage loan appraisal requirements.
Comments: View
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Agency Information Collection [ICP-201619]
Proposal to approve under OMB delegated authority the extension for three years, with revision, of the following reports: 1) Savings and Loan Holding Company Registration Statement (FR LL-10(b)); and 2) Notice of Proposed Declaration of Dividend (FR 1583).
Comments: View
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The Board is inviting comment on a proposed rule to promote U.S. financial stability by improving the resolvability and resilience of systemically important U.S. banking organizations and systemically important foreign banking organizations pursuant to section 165 of the Dodd-Frank Act. Under the proposed rule, any U.S. top-tier bank holding company identified by the Board as a global systemically important banking organization (GSIB), the subsidiaries of any U.S. GSIB (other than national banks and federal savings associations), and the U.S. operations of any foreign GSIB (other than national banks and federal savings associations) would be subjected to restrictions regarding the terms of their non-cleared qualified financial contracts (QFCs).
Comments: View
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The Board is inviting public comment on proposed clarifying revisions to the Board's rule regarding risk-based capital surcharges for U.S.-based global systemically important bank holding companies (GSIB surcharge rule).
Comments: View
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Agency Information Collection [ICP-201609]
Proposal to approve under OMB delegated authority the extension for three years, without revision, of the following report: Reporting, Recordkeeping, and Disclosure Requirements Associated with Regulation NN (Reg NN).
Comments: View
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Single-Counterparty Credit Limits for Large Banking Organizations [R-1534]
The Board is inviting comment on proposed rules that would establish single-counterparty credit limits for domestic and foreign bank holding companies with $50 billion or more in total consolidated assets. The proposed rules would implement section 165(e) of the Dodd-Frank Wall Street Reform and Consumer Protection Act, which requires the Board to impose limits on the amount of credit exposure that such a domestic or foreign bank holding company can have to an unaffiliated company in order to reduce the risks arising from the company's failure.
Comments: View
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Agency Information Collection [ICP-201606]
Proposal to approve under OMB delegated authority the extension for three years, without revision, of the following reports: (1) Written Security Program for State Member Banks (FR 4004); and (2) Risk-Based Capital Guidelines: Market Risk (FR 4201).
Comments: View
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Agency Information Collection [ICP-201604]
Proposal to approve under OMB delegated authority the extension for three years, without revision, of the following report: Reporting Requirements Associated with Regulation Y (Extension of Time to Conform to the Volcker Rule) (Reg Y-1). Proposal to approve under OMB delegated authority the extension for three years, with revision, of the following reports: Uniform Application for Municipal Securities Principal or Municipal Securities Representative Associated with a Bank Municipal Securities Dealer; Uniform Termination Notice for Municipal Securities Principal or Municipal Securities Representative Associated with a Bank Municipal Securities Dealer (Form MSD-4; Form MSD-5).
Comments: View
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Regulation C: Home Mortgage Disclosure [R-1532]
The Board is proposing to repeal its Regulation C, 12 CFR part 203, which was issued to implement the Home Mortgage Disclosure Act (HMDA). Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act transferred rulemaking authority for a number of consumer financial protection laws, including HMDA, from the Board to the Bureau of Consumer Financial Protection.
Comments: View
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The Board is inviting public comment on a policy statement on the framework that the Board will follow in setting the amount of the U.S. countercyclical capital buffer for advanced approaches bank holding companies, savings and loan holding companies and state member banks under the Board's Regulation Q (12 CFR part 217).
Comments: View
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Agency Information Collection [ICP-201531]
Proposal to approve under OMB delegated authority the extension for three years, with revision, of the following reports: (1) Annual Report of Holding Companies; Annual Report of Foreign Banking Organizations; Report of Changes in Organizational Structure; Supplement to the Report of Changes in Organizational Structure (FR Y-6; FR Y-7; FR Y-10; FR Y-10E); and (2) Consolidated Financial Statements for Holding Companies, Parent Company Only Financial Statements for Large Holding Companies, Parent Company Only Financial Statements for Small Holding Companies, Financial Statement for Employee Stock Ownership Plan Holding Companies, and the Supplemental to the Consolidated Financial Statements for Holding Companies (FR Y-9C, FR Y-9LP, FR Y-9SP, FR Y-9ES, and FR Y-9CS).
Comments: View
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Supervisory Rating System for Financial Market Utilities [OP-1521]
The Board and, under delegated authority, the Federal Reserve Banks propose to use the ORSOM (Organization; Risk Management; Settlement; Operational Risk and Information Technology (IT); and Market Support, Access, and Transparency) rating system in reviews of financial market infrastructures (FMIs). The Board is seeking comment on this system for rating FMIs. The Federal Reserve anticipates implementing the ORSOM rating system in 2016.
Comments: View
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Agency Information Collection [OP-1465]
Joint notice, request for comment, and notice of information collection to be submitted to the Office of Management and Budget for review and approval under the Paperwork Reduction Act of 1995: Joint Standards for Assessing Diversity Policies and Practices.
Comments: View
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Margin and Capital Requirements for Covered Swap Entities [R-1415]
The OCC, Board, FDIC, FCA, and FHFA are adopting and invite comment on an interim final rule that will exempt certain non-cleared swaps and non-cleared security-based swaps with certain counterparties that qualify for an exception or exemption from clearing from the initial and variation margin requirements promulgated under sections 731 and 764 of the Dodd-Frank Wall Street Reform and Consumer Protection Act.
Comments: View
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The Board is inviting comment on a proposed rule to promote financial stability by improving the resolvability and resiliency of large, interconnected U.S. bank holding companies and the U.S. operations of large, interconnected foreign banking organizations pursuant to section 165 of the Dodd-Frank Wall Street Reform and Consumer Protection Act and related deduction requirements for all banking organizations subject to the Board's capital rules.
Comments: View
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Agency Information Collection [ICP-201524]
Proposal to approve under OMB delegated authority the extension for three years, with revision, of the following report: Capital Assessments and Stress Testing information collection (FR Y-14A/Q/M).
Comments: View
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Agency Information Collection [ICP-201523]
Proposal to approve under OMB delegated authority the extension for three years, without revision, of the following reports: (1) Recordkeeping and Disclosure Requirements Associated with Regulation II (Debit Card Interchange Fees and Routing) (Reg. II); and (2) Recordkeeping Requirements of Regulation H and Regulation K Associated with Bank Secrecy Act Compliance Programs (Reg. K).
Comments: View
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Agency Information Collection [ICP-201519]
Proposal to approve under OMB delegated authority the extension for three years, without revision, of the following report: (1) Registration of a Securities Holding Company (FR 2082); and proposal to approve under OMB delegated authority the extension for three years, with revision, of the following report: (2) Request for Proposal and Request for Price Quotations (RFP and RFPQ).
Comments: View
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Regulations Y and YY: Amendments to the Capital Plan and Stress Test Rules [R-1517]
The Board invites comment on a notice of proposed rulemaking to revise the capital plan and stress test rules for large bank holding companies and certain banking organizations with total consolidated assets of more than $10 billion. The proposed changes would apply beginning with the 2016 capital plan and stress test cycles.
Comments: View
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Agency Information Collection [ICP-201518]
Notice to extend the comment period until October 19, 2015, the Banking Organization Systemic Risk Report (FR Y-15) to include, among other revisions, amendments to the proposed short-term wholesale funding collection.
Comments: View
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Agency Information Collection [ICP-201517]
Proposal to approve under OMB delegated authority the extension for three years, with revision, of the following report: Annual Company-Run Stress Test Report for $10-50 Billion Companies (FR Y-16).
Comments: View
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Agency Information Collection [ICP-201515]
Proposal to approve under OMB delegated authority the extension for three years, without revision, of the following reports: (1) Notice of Mutual Holding Company Reorganization and the Application for Approval of a Minority Stock Issuance by a Savings Association Subsidiary of a Mutual Holding Company (Form 1522; Form 1523); (2) Application for Conversion, Proxy Statement, Offering Circular, and Order Form (Form 1680, Form 1681, Form 1682, Form 1683); and (3) Savings and Loan Holding Company Application (Form H-(e)).
Comments: View
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The OCC, Board, FDIC, NCUA, CFPB, and SEC are issuing a final interagency policy statement establishing joint standards for assessing the diversity policies and practices of the entities they regulate, as required by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. The final interagency policy statement is effective on June 10, 2015. The agencies are soliciting comments only on the collection of information. Comments must be submitted on or before August 10, 2015. The effective date of the collection of information will be announced in the Federal Register following Office of Management and Budget (OMB) approval.
Comments: View
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Agency Information Collection [ICP-201501]
Proposal to approve under OMB delegated authority the extension for three years, with revision, of the following information collection: (1) Information Collection Associated with the Recordkeeping and Disclosure Requirements of Regulation B (Equal Credit Opportunity Act (ECOA)) (Regulation B). Proposal to approve under OMB delegated authority the extension for three years, without revision, of the following information collections: (1) Information Collection Associated with the Recordkeeping, Reporting, and Disclosure Requirements of Regulation BB (Community Reinvestment Act (CRA)) (Regulation BB); and (2) Information Collections Associated with the Recordkeeping and Disclosure Requirements of Regulation M (Consumer Leasing) (Regulation M).
Comments: View
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The Board is inviting public comment on amendments to the Board's revised capital framework (Regulation Q, 12 CFR part 217) that would illustrate how the Board would apply the common equity tier 1 capital qualification criteria to depository institution holding companies that are organized in forms other than as stock corporations.
Comments: View
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Proposed rule on a framework to establish risk-based capital surcharges for the largest, most interconnected U.S.-based bank holding companies pursuant to section 165 of the Dodd-Frank Act. The proposal is based upon the international standard adopted by the Basel Committee on Banking Supervision, modified to reflect systemic risk concerns specific to the funding structures of large U.S. bank holding companies.
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Pursuant to section 165 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Board of Governors of the Federal Reserve System is inviting public comment on the proposed application of enhanced prudential standards to General Electric Capital Corporation, a nonbank financial company that the Financial Stability Oversight Council has determined should be supervised by the Board.
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The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation are seeking comment on an NPR that would clarify, correct, and update aspects of the agencies' regulatory capital rule applicable to banking organizations that are subject to the advanced approaches risk-based capital rule.
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Margin and Capital Requirements for Covered Swap Entities [R-1415]
The OCC, Board, FDIC, FCA, and FHFA are seeking comment on a proposed joint rule to establish minimum margin and capital requirements for registered swap dealers, major swap participants, security-based swap dealers, and major security-based swap participants for which one of the Agencies is the prudential regulator.
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Regulation AA: Unfair or Deceptive Acts or Practices [R-1490]
Proposal to repeal the Board's Regulation AA, 12 CFR part 227, which was issued pursuant to its rule writing authority under section 18(f)(1) of the Federal Trade Commission Act. Section 1092(2) of the Dodd-Frank Wall Street Reform and Consumer Protection Act repealed section 18(f)(1) of the FTC Act, thus eliminating the Board's rule writing authority under the Act.
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Agency Information Collection [ICP-201407]
Final approval under OMB delegated authority of the extension for three years, with revision of the following report: Capital Assessments and Stress Testing information collection (FR Y-14A/Q/M); and request for public comment on the collection of counterparty agreement-level/asset-category data.
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Agency Information Collection [ICP-201406]
Proposal to revise and extend for three years the Consolidated Reports of Condition and Income (FFIEC 031 (for banks and savings associations with domestic and foreign offices) and FFIEC 041 (for banks and savings associations with domestic offices only)).
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Agency Information Collection [ICP-201405]
Proposal to approve under OMB delegated authority the revision of the following report: Capital and Asset Report for Foreign Banking Organizations (FR Y-7Q).
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Regulations Y and YY: Amendments to the Capital Plan and Stress Test Rules [R-1492]
The Board invites comment on a notice of proposed rulemaking that would amend the capital plan and stress test rules to modify, following a transition period, the start date of the capital plan and stress test cycles from October 1 of a calendar year to January 1 of the following calendar year. The proposed rule would make other changes to the rules, including amending the capital plan rule to limit a bank holding company's ability to make capital distributions to the extent that the bank holding company's actual capital issuances are less than the amount indicated in its capital plan under baseline conditions, measured on a quarterly basis. The proposed rule would clarify application of the capital plan rule to a bank holding company that is a subsidiary of a U.S. intermediate holding company of a foreign banking organization and the characteristics of a stressed scenario to be included in company run stress tests. The proposed rule also would revise the Board's Policy Statement on the Scenario Design Framework for Stress Testing and the Board's Regulation YY to reflect the revisions to the start date of the stress test cycle.
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Regulation XX: Concentration Limits on Large Financial Companies [R-1489]
Request for comment on a notice of proposed rulemaking that would implement section 622 of the Dodd-Frank Act. Section 622 established a financial sector concentration limit that generally prohibits a financial company from merging or consolidating with, or acquiring, another company if the resulting company's liabilities upon consummation would exceed 10 percent of the aggregate liabilities of all financial companies as calculated under that section.
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Joint notice of proposed rulemaking that would revise the denominator of the supplementary leverage ratio (total leverage exposure) that the agencies adopted in July 2013 as part of the comprehensive revisions to the agencies' regulatory capital rules (2013 revised capital rule).
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Joint notice of proposed rulemaking on revisions to the definition of eligible guarantee as incorporated into the agencies' advanced approaches risk-based capital rule, adopted in the agencies' July 2013 regulatory capital rule (2013 capital rule).
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Minimum Requirements for Appraisal Management Companies [R-1486]
Joint notice of proposed rulemaking to implement the minimum requirements in section 1473 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (the Dodd-Frank Act or Act) to be applied by States in the registration and supervision of appraisal management companies (AMCs). The proposed rule also implements the requirement in section 1473 of the Dodd-Frank Act for States to report to the Appraisal Subcommittee of the Federal Financial Institutions Examination Council (FFIEC) the information required by the Appraisal Subcommittee (ASC) to administer the new national registry of appraisal management companies (AMC National Registry or Registry).
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Regulation DD: Truth in Savings [R-1482]
Proposal to repeal Regulation DD, which was issued to implement the Truth in Saving Act (TISA). Title X of the Dodd-Frank Act transferred rulemaking authority for a number of consumer financial protection laws, including TISA, from the Board to the Bureau of Consumer Financial Protection. The Board, requests comment, however, on whether any motor vehicle dealers identified in Section 1029(a) of the Dodd-Frank Act are or could become depository institutions for purposes of TISA.
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Regulation P: Privacy of Consumer Information [R-1483]
The Board is proposing to repeal its Regulation P, which was issued to implement section 504 of the Gramm-Leach-Bliley Act (GLB Act). Title X of the Dodd-Frank Act transferred rulemaking authority for a number of consumer financial protection laws from the Board, and six other Federal agencies, to the Bureau of Consumer Financial Protection, including rulemaking authority for the provisions in Subtitle A of Title V of the GLB Act that were implemented in the Board's Regulation P.
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Federal Reserve Policy on Payment System Risk [OP-1478]
Proposed revisions to part I of the Policy on Payment System Risk, which is applicable to financial market infrastructures more generally.
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Regulation HH: Financial Market Utilities [R-1477]
Proposed revisions to the Regulation HH risk-management standards for certain financial market utilities that have been designated as systemically important by the Financial Stability Oversight Council.
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Regulation A: Extensions of Credit by Federal Reserve Banks [R-1476]
Request for public comment on proposed amendments to Regulation A (Extensions of Credit by Federal Reserve Banks) that would implement sections 1101 and 1103 of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.
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Agency Information Collection [ICP-201322]
Proposal to approve under OMB delegated authority the extension, with revision, of the following report: Interchange Transaction Fees Surveys (FR 3064a and FR 3064b).
Comments: View
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Agency Information Collection [ICP-201321]
Final approval under OMB delegated authority to extend, with revision, the following report: Capital Assessments and Stress Testing information collection (FR Y-14A/Q/M).
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Proposed an interim final rule that provides a one-year transition period during which bank holding companies and most state member banks with more than $10 billion but less than $50 billion in total consolidated assets would not be required to reflect the revised regulatory capital framework that the Board approved on July 2, 2013 (revised capital framework) in their stress tests for the stress test cycle that begins October 1, 2013. For this stress test cycle, these companies will be required to estimate their pro forma capital levels and ratios over the full nine-quarter planning horizon using the Board's current regulatory capital rules. The interim final rule also clarifies when a banking organization would estimate its minimum regulatory capital ratios using the advanced approaches for a given stress test cycle.
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Proposed interim final rule that amends the capital plan and stress test rules to require a bank holding company with total consolidated assets of $50 billion or more to estimate its tier 1 common ratio using the methodology currently in effect in 2013 under the existing capital guidelines (not the rules as revised on July 2, 2013); and clarifies when a banking organization would estimate its minimum regulatory capital ratios using the advanced approaches for a given capital plan and stress test cycle and makes minor, technical changes to the capital plan rule.
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Credit Risk Retention [R-1411]
Interagency proposed rule to revise the proposed rule the agencies published in the Federal Register on April 29, 2011, and to implement the credit risk retention requirements of section 15G of the Securities Exchange Act of 1934, as added by section 941 of the Dodd-Frank Wall Street Reform and Consumer Protection Act.
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Agency Information Collection [ICP-201318]
Proposal to revise, without extension, the Consolidated Financial Statements for Holding Companies (FR Y-9C) and the Parent Company Only Financial Statements for Small Holding Companies (FR Y-9SP)
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Agency Information Collection [ICP-201317]
Proposal to revise the Consolidated Reports of Condition and Income (FFIEC 031 and FFIEC 041) and Proposal to extend, with revision, the Risk-Based Capital Reporting for Institutions Subject to the Advanced Capital Adequacy Framework (FFIEC 101)
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Proposed interagency supervisory guidance outlining high-level principles for implementation of the Dodd-Frank Act stress tests for all bank and savings-and-loan holding companies, national banks, state-member banks, state non-member banks, Federal savings associations, and state chartered savings associations with more than $10 billion but less than $50 billion in total consolidated assets.
Comments: View
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Agency Information Collection [ICP-201313]
Proposal to approve the extension for three years, with revision, the following reports: Capital Assessments andStress Testing information collection (FR Y-14A/Q/M).
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Appraisals for Higher-Priced Mortgage Loans - Supplemental Proposal [R-1443]
Interagency proposed amendments to the final rule issued by the Agencies on January 18, 2013. Specifically, the Agencies propose exemptions from the rules for: (1) transactions secured by existing manufactured homes and not land; (2) certain "streamlined" refinancings; and (3) transactions of $25,000 or less.
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Interagency proposal to strengthen the agencies' leverageratio standards for large, interconnected U.S. banking organizations.
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Regulation KK - Prohibition Against Federal Assistance to Swaps Entities [R-1458]
Proposed interim final rule that treats an uninsured U.S. branch or agency of a foreign bank as an insured depository institution for purposes of section 716 of the Dodd-Frank Act and establishes a process by which a state member bank or uninsured state branch or agency of a foreign bank may request a transition period to conform its swaps activities to the requirements of section 716.
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Proposal to establish an annual assessment of bank holding companies and savings and loan holding companies with $50 billion or greater in total consolidated assets and for nonbank financial companies designated by the Financial Stability Oversight Council for supervision by the Federal Reserve
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Agency Information Collection [ICP-201306]
Proposal to approve under OMB delegated authority the implementation of the following information collection: Annual Company-Run Stress Test Projections (FR Y-16)
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Regulation HH - Financial Market Utilities [R-1455]
Proposed rule to amend Regulation HH to set out the conditions and requirements for a Federal Reserve Bank to open and maintain accounts for and provide financial services to financial market utilities designated as systemically important by the Financial Stability Oversight Council.
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Agency Information Collection [ICP-201305]
Proposal to revise and extend for three years the Call Report, which is currently an approved collection of information for each agency. Report Title: Consolidated Reports of Condition and Income (Call Report) FFIEC 031(for banks and savings associations with domestic and foreign offices) and FFIEC 041 (for banks and savings associations with domestic offices only).
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Agency Information Collection [ICP-201222]
Proposal To Revise Under OMB Delegated Authority the Following Report: Capital Assessments and Stress Testing information collection (FR Y-14A/Q/M)
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Proposed rules that would implement the enhanced prudential standards include risk-based capital and leverage requirements, liquidity standards, risk management and risk committee requirements, single-counterparty credit limits, stress test requirements, and a debt-to-equity limit for companies that the Financial Stability Oversight Council has determined pose a grave threat to financial stability.
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Policy Statement on the Scenario Design Framework for Stress Testing [OP-1452]
Proposed policy statement on the approach to scenario design for stress testing that would be used in connection with the supervisory and company-run stress tests conducted under the Board's Regulations pursuant to the Dodd-Frank Act and the Board's capital plan rule.
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Agency Information Collection [ICP-201218]
Proposal to request approval from OMB of the extension for three years, with revision, of the following currently approved collection of information: Report Title: Foreign Branch Report of Condition (FFIEC 030 and FFIEC 030S).
Comments: View
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Appraisals for Higher-Risk Mortgage Loans [R-1443]
Interagency proposal to establish new appraisal requirements for "higher-risk mortgage loans." For mortgages with an annual percentage rate that exceeds the average prime offer rate by a specified percentage, the proposed rule would require creditors to obtain an appraisal or appraisals meeting certain specified standards, provide applicants with a notification regarding the use of the appraisals, and give applicants a copy of the written appraisals used.
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Agency Information Collection [ICP-201211]
Proposal to approve the extension with revision of the Capital Assessments and Stress Testing information collection (FR Y-14A/Q/M).
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Three proposed changes to the current regulatory capital rules that would establish an integrated regulatory capital framework that addresses shortcomings in regulatory capital requirements
Comments: View
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Regulation Y - Definition of "Predominantly Engaged in Financial Activities" [R-1405]
Proposed amendment to the Board's Notice of Proposed Rulemaking (NPR) issued February 11, 2011, to establish requirements for determining whether a company is "predominantly engaged in financial activities."
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Agency Information Collection [ICP-201204]
Proposal to approve under OMB delegated authority the revision, without extension, of the following report: Capital Assessments and Stress Testing reports (FR Y-14A/Q/M).
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Request for comment on proposed rules that would implement the enhanced prudential standards required to be established under section 165 of the Dodd-Frank Act and the early remediation requirements established under section 166 of the Act. The enhanced standards include risk-based capital and leverage requirements, liquidity standards, requirements for overall risk management (including establishing a risk committee), single-counterparty credit limits, stress test requirements, and a debt-to-equity limit for companies that the Financial Stability Oversight Council has determined pose a grave threat to financial stability.
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Interagency proposal to modify the agencies' market risk capital rules, published in the Federal Register on January 11, 2011, to incorporate certain alternative methodologies for calculating specific risk capital requirements for debt and securitization positions that do not rely on credit ratings.
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Agency Information Collection [ICP-201120]
Implementation of the Quarterly Savings and Loan Holding Company Report (FR 2320) and extension for three years, without revision, of the Bank Holding Company Report of Insured Depository Institutions' Section 23A Transactions with Affiliates (FR Y-8).
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Agency Information Collection [ICP-201118]
Proposal to approve under OMB delegated authority the implementation of the following reports: Capital Assessments and Stress Testing (FR Y-14A and FR Y-14Q)
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Request for public comment on a proposed rule that would implement the so-called Volcker Rule requirements of Section 619 of the Dodd-Frank Wall Street Reform and Consumer Protection Act which contains certain prohibitions and restrictions on the ability of a banking entity and nonbank financial company supervised by the Board to engage in proprietary trading and have certain interests in, or relationships with, a hedge fund or private equity fund.
Comments: View
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Agency Information Collection [ICP-201116]
Proposal to approve under OMB delegated authority the implementation of the following information collections: (1) Government-administered, General-use Prepaid Card Surveys (FR 3063a and FR 3063b) and (2) Interchange Transaction Fees Surveys (FR 3064a and FR 3064b).
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Regulation OO - Supervised Securities Holding Companies Registration [R-1430]
Request for comment on a proposed rule outlining the procedures for securities holding companies (SHCs) to elect to be supervised by the Federal Reserve. An SHC is a nonbank company that owns at least one registered broker or dealer.
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Agency Information Collection [ICP-201114]
Proposal to exempt a limited number of SLHCs from initial regulatory reporting using the Federal Reserve's existing regulatory reports and a two-year phase-in period for regulatory reporting for all other SLHCs. Exempt SLHCs would continue to submit Schedule HC, which is currently a part of the Thrift Financial Report, and the OTS H-(b)11 Annual/Current Report.
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Agency Information Collection [ICP-201112]
Proposal to revise, without extension, the U.S. branches and agencies of foreign banks report(FFIEC 002/002S)
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Agency Information Collection [ICP-201111]
Proposal to revise, without extension, the Consolidated Reports of Condition and Income for commercial banks (FFIEC 031 & 041)
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Retail Foreign Exchange Transactions (Regulation NN) [R-1428]
Request for comment on a rule to permit banking organizations under its supervision to engage in off-exchange transactions in foreign currency with retail customers. The proposed rule also describes various requirements with which banking organizations must comply to conduct such transactions.
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Debit Card Interchange Fees and Routing [R-1404]
Request for comment on provisions in Regulation II(Debit Card Interchange Fees and Routing) adopted in accordance with Section 920(a)(5) of the Electronic FundTransfer Act, which governs adjustments to debit interchange transaction fees for fraud-preventioncosts.
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Regulation D, Q, and DD - Prohibition Against Payment of Interest on Demand Deposits [R-1413]
Proposed amendments that would repeal Regulation Q, Prohibition Against Payment of Interest on Demand Deposits, effective July 21, 2011. The proposed amendments would also repeal the Board's published interpretation of Regulation Q, and remove references to Regulation Q found in the Board's other regulations, interpretations, and commentary.
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Regulation V - Fair Credit Reporting Risk-Based Pricing Regulations [R-1407]
Joint proposal to revise the content requirements for risk-based pricing notices and to add related model forms to reflect the new credit score disclosure requirements.
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Regulation B: Equal Credit Opportunity [R-1426]
Proposed rule under Regulation B to clarify that motor vehicle dealers temporarily are not required to comply with certain data collection requirements in the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) until the Board issues final regulations to implement the statutory requirements.
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Regulation E; Electronic Fund Transfers [R-1419]
Request for comment on a proposed rule that would create new protections for consumers who send remittance transfers to recipients located in a foreign country, by providing consumers with disclosures and error resolution rights. The proposed amendments implement statutory requirements set forth in the Dodd-Frank Wall Street Reform and Consumer Protection Act.
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Studies Regarding the Resolution of Financial Companies Under the Bankruptcy Code [OP-1418]
Request for public information and comment to conduct two studies regarding the resolution of financial companies under Chapter 7 or Chapter 11 of the United States Bankruptcy Code, and conduct a study regarding international coordination relating to the resolution of systemic financial companies under the Bankruptcy Code and applicable foreign law.
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Regulation Z; Truth in Lending [R-1417]
Proposal under Regulation Z that would require creditors to determine a consumer's ability to repay a mortgage before making the loan and would establish minimum mortgage underwriting standards. The proposal also implements the Act's limits on prepayment penalties.
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Request for comment on a notice that outlines how it intends to apply certain parts of its current consolidated supervisory program for bank holding companies to savings and loan holding companies (SLHCs) after assuming supervisory responsibility for SLHCs in July 2011. The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 transfers supervisory functions related to SLHCs and their non-depository subsidiaries to the Board on July 21, 2011.
Comments: View
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Margin and Capital Requirements for Covered Swap Entities [R-1415]
Agencies are requesting comment on a proposed rule to establish minimum margin and capital requirements for registered swap dealers, major swap participants, security-based swap dealers, and major security-based swap participants as required by the Dodd-Frank Wall Street Reform and Consumer Protection Act.
Comments: View
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Resolution Plans And Credit Exposure Reports Required [R-1414]
Proposal that implements Section 165(d) of the Dodd-Frank Act requiring each nonbank financial company supervised by the Board and each bank holding company with assets of $50 billion or more to report periodically regarding resolution plans and credit exposure reports to the Board, the Corporation, and the Financial Stability Oversight Council.
Comments: View
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Agency Information Collection [ICP-201107]
Joint notice and request for comment on a proposal to require savings associations currently filing the Thrift Financial Report (TFR) to convert to filing the Consolidated Report of Condition and Income (Call Report) beginning with the reporting period ending on March 31, 2012.
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Regulation HH - Risk Management Standards Regarding Certain Financial Market Utilities [R-1412]
Proposal to promulgate risk-management standards governing the operations related to the payment, clearing, and settlement activities of certain financial market utilities that are designated as systemically important by the Financial Stability Oversight Council.
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Credit Risk Retention [R-1411]
Inter-agency proposed rule that requires sponsors of asset-backed securities (ABS) to retain at least 5 percent of the credit risk of the assets underlying the securities.
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Proposal to implement statutory changes made by the Dodd-Frank Act that lengthen the time for which a mandatory escrow account established for a higher-priced mortgage loan must be maintained. In addition, the proposal would implement the Act's disclosure requirements regarding escrow accounts. The proposal also would exempt certain loans from the statute's escrow requirement. The primary exemption would apply to mortgage loans extended by creditors that operate predominantly in rural or underserved areas, originate a limited number of mortgage loans, and do not maintain escrow accounts for any mortgage loans they service.
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Request for comment on a proposed rule that would implement the conformance period during which banking entities and nonbank financial companies supervised by the Board must bring their activities and investments into compliance with the prohibitions and restrictions on proprietary trading and relationships with hedge funds and private equity funds imposed by section 619 of the Dodd-Frank Act. Section 619 is commonly referred to as the "Volcker Rule."
Comments: View
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Notice of Proposed rulemaking and request for comment regarding proposed amendments to Regulation Y that (1) establish the criteria for determining whether a company is "predominantly engaged in financial activities" and (2) define the terms "significant nonbank financial company" and "significant bank holding company" for purposes of Title I of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (the "Dodd-Frank Act" or "Act").
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Agency Information Collection [ICP-201102]
Notice of its intention to require savings and loan holding companies (SLHCs) to submit the same reports as bank holding companies (BHCs), beginning with the March 31, 2012, reporting period. (1) Annual Report of Bank Holding Companies [FR Y-6], (2) Annual Report of Foreign Banking Organizations [FR Y-7], (3) Financial Statements for Bank Holding Companies, [FR Y-9C, FR Y-9LP, FR Y-9SP, FR Y-9ES, and FR Y-9CS], (4) Report of Changes in Organizational Structure [FR Y-10], (5) Financial Statements for Nonbank Subsidiaries of U.S. Bank Holding Companies [FR Y-11 and FR Y-11S], (6) Financial Statements of Foreign Subsidiaries of U.S. Banking Organizations [FR- 2314 and FR-2314S], (7) Bank Holding Company Report of Insured Depository Institutions' Section 23A Transactions with Affiliates [FR Y-8], and (8) Consolidated Bank Holding Company Report of Equity Investments in Nonfinancial Companies, and the Annual Report of Merchant Banking Investments Held for an Extended Period [FR Y-12 and FR Y-12A].
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Regulation II - Debit Card Interchange Fees and Routing [R-1404]
The Board is requesting comment on two alternative interchange fee standards that would apply to all covered issuers: one based on each issuer's costs, with a safe harbor (initially set at 7 cents per transaction) and a cap (initially set at 12 cents per transaction); and the other a stand-alone cap (initially set at 12 cents per transaction). Under both alternatives, circumvention or evasion of the interchange fee limitations would be prohibited. The Board also is requesting comment on possible frameworks for an adjustment to the interchange fees to reflect certain issuer costs associated with fraud prevention.
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Regulation M - Consumer Leasing Act [R-1400]
Proposed amendments to the Consumer Leasing Act (CLA) by increasing the threshold for exempt consumer leases from $25,000 to $50,000. In addition, the Dodd-Frank Act provides that, on or after December 31, 2011, this threshold must be adjusted annually by any annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers. Accordingly, the Board is proposing to make corresponding amendments to Regulation M, which implements the CLA, and to the accompanying staff commentary.
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Regulation Z - Truth in Lending Act [R-1399]
Proposed amendments to the Truth in Lending Act (TILA) by increasing the threshold for exempt consumer credit transactions from $25,000 to $50,000. In addition, the Dodd-Frank Act provides that, on or after December 31, 2011, this threshold must be adjusted annually by any annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers. Accordingly, the Board is proposing to make corresponding amendments to Regulation Z, which implements TILA, and to the accompanying staff commentary.
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Regulation Z - Truth In Lending Act [R-1394]
Request for comment on all aspects of the interim final rule to ensure that real estate appraisers are free to use their independent professional judgment in assigning home values without influence or pressure from those with interests in the transactions. The rule also seeks to ensure that appraisers receive customary and reasonable payments for their services. The interim final rule is required by the Dodd-Frank Act.
Comments: View
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Agency Information Collection [ICP-201013]
Proposal to revise the Consolidated Reports of Condition and Income (Call Report) for banks, the Thrift FinancialReport (TFR) for savings associations, the Report of Assets and Liabilities of U.S. Branches and Agencies of ForeignBanks (FFIEC 002), and the Report of Assets and Liabilities of a Non-U.S.Branch that is Managed or Controlled by a U.S. Branch or Agency of a Foreign (Non-U.S.) Bank (FFIEC 002S), all of which are currently approved collections of information.
Comments: View
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Regulation Z - Truth in Lending Act [R-1392]
The Board is publishing for comment a proposed rule to amend Regulation Z, which implements the Truth in Lending Act (TILA). The proposed rule would implement Section 1461 of the recently enacted Dodd-Frank Act. Section 1461 amends TILA to provide a separate, higher threshold for determining coverage of the Board's escrow requirement applicable tohigher-priced mortgage loans, for loans that exceed the maximum principal balance eligible for sale to Freddie Mac.
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