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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. Comments can also be viewed in Room MP-500 of the Board's Martin Building (20th and C Streets, NW, Washington, D.C.) between 9:00 a.m. and 5:00 p.m. (Eastern Time) weekdays or can be obtained by formal request under the FOIA. All comments are reproduced without alteration except when necessary for technical reasons.

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.


Regulations Q and WW: Regulatory Capital Rules, Liquidity Coverage Ratio: Interim Final Revisions to the Definition of Qualifying Master Netting Agreement and Related Definitions [R-1507]

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: 03/3/2015

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Regulation Q: Regulatory Capital Rules: Regulatory Capital, Proposed Rule Demonstrating Application of Common Equity Tier 1 Capital Qualification Criteria [R-1506]

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.

Closing date for comments: 02/28/2015

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Regulation Q: Risk-Based Capital Guidelines: Implementation of Capital Requirements for Global Systemically Important Bank Holding Companies [R-1505]

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.

Closing date for comments: 02/28/2015

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Application of Enhanced Prudential Standards and Reporting Requirements to General Electric Capital Corporation [R-1503]

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.

Closing date for comments: 02/2/2015

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Regulation Q: Regulatory Capital, Proposed Revisions Applicable to Banking Organizations Subject to the Advanced Approaches Risk-Based Capital Rule [R-1502]

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.

Closing date for comments: 60 days after the Federal Register Notice

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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.

Closing date for comments: 11/24/2014

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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.

Closing date for comments: 10/27/2014

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Agency Information Collection [ICP-201407] (92 KB PDF)

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.

Closing date for comments: 10/31/2014

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Agency Information Collection [ICP-201406] (73 KB PDF)

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)).

Closing date for comments: 08/22/2014

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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).

Closing date for comments: 06/9/2014

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Treatment of Certain Collateralized Debt Obligations Backed Primarily by Trust Preferred Securities with Regard to Prohibitions and Restrictions on Certain Interests in, and Relationships with, Hedge Funds and Private Equity Funds [R-1480]

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: 03/3/2014

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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.

Closing date for comments: 03/7/2014

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Proposed Interagency Policy Statement Establishing Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies [OP-1465]

The Board, OCC, FDIC, NCUA, CFPB, and SEC are proposing joint standards for assessing the diversity policies and practices of the entities they regulate.

Closing date for comments: 02/7/2014

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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.

Closing date for comments: 10/30/2013

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Enhanced Prudential Standards and Early Remediation Requirements for Foreign Banking Organizations and Foreign Nonbank Financial Companies [R-1438]

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.

Closing date for comments: 04/30/2013

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Regulations G, O, W, BB, LL and MM Availability of Information, Public Observation of Meetings, Procedure, Practice for Hearings, and Post-Employment Restrictions for Senior Examiners; Savings and Loan Holding Companies [R-1429]

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: 08/31/2011

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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.

Closing date for comments: 11/26/2012

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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: 05/31/2011

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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.

Closing date for comments: 08/1/2011

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Regulation H and Y [R-1391]

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

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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.

Agency Information Collection [ICP-201405]  (PDF)

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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Regulation Q: Regulatory Capital Rules: Regulatory Capital, Proposed Revisions to the Supplementary Leverage Ratio [R-1487]

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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Regulation Q: Regulatory Capital Rules: Advanced Approaches Risk-Based Capital Rule, Proposed Revisions to the Definition of Eligible Guarantee [R-1488]

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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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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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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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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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).

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Regulations Y and YY - Application of the Revised Capital Framework to the Capital Plan and Stress Test Rules [R-1463]

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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Annual Company-Run Stress Tests at Banking Organizations with Total Consolidated Assets of more than $10 Billion but less than $50 Billion; One-Year Transition Period to Revised Regulatory Capital Framework for 2013-2014 Stress Test Cycle [R-1464]

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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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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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 Supervisory Guidance on Implementing Dodd-Frank Act Company-Run Stress Tests for Banking Organizations with Total Consolidated Assets of more than $10 Billion but less than $50 Billion [OP-1461]

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.

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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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Agency Information Collection [ICP-201313]

Proposal to approve the extension for three years, with revision, the following reports: Capital Assessments and Stress Testing information collection (FR Y-14A/Q/M).

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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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Regulation TT - Supervision and Regulation Assessments for Bank Holding Companies and Savings and Loan Holding Companies with Total Consolidated Assets of $50 Billion or More and Nonbank Financial Companies Supervised by the Federal Reserve [R-1457]

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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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).

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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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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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Regulation YY - Enhanced Prudential Standards and Early Remediation Requirement for Covered Companies [R-1438]

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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Regulation H and Y - Risk-Based Capital Guidelines: Market Risk; Alternatives to Credit Ratings for Debt and Securitization Positions [R-1401]

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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Prohibitions and Restrictions on Proprietary Trading and Certain Interests In, and Relationships with, Hedge Funds and Private Equity Funds [R-1432]

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.

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Agency Information Collection [ICP-201116]  (PDF)

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-201111]  (PDF)

Proposal to revise, without extension, the Consolidated Reports of Condition and Income for commercial banks (FFIEC 031 & 041)

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Agency Information Collection [ICP-201112]  (PDF)

Proposal to revise, without extension, the U.S. branches and agencies of foreign banks report(FFIEC 002/002S)

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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 Fund Transfer Act, which governs adjustments to debit interchange transaction fees for fraud-prevention costs.

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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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Notice of Intent to Apply Certain Supervisory Guidance to Savings and Loan Holding Companies [OP-1416]

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.

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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.

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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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Regulation Z - Truth in Lending Act - Revision to Escrow Account Requirements for Certain Home Mortgage Loans [R-1406]

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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Regulation Y - Conformance Period for Entities Engaged in Prohibited Proprietary Trading or Private Equity Fund or Hedge Fund Activities [R-1397]

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."

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Regulation Y - Definitions of Predominantly Engaged In Financial Activities and Significant Nonbank Financial Company and Bank Holding Company [R-1405]

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 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 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-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.

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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 Financial Report (TFR) for savings associations, 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), all of which are currently approved collections of information.

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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 to higher-priced mortgage loans, for loans that exceed the maximum principal balance eligible for sale to Freddie Mac.

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Last update: December 17, 2014