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Board of Governors of the Federal Reserve System
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Board of Governors of the Federal Reserve System

Supervisory Policy and Guidance Topics

Savings and Loan Holding Companies

Under the Home Owners' Loan Act (HOLA), a savings and loan holding company (SLHC) includes any company that directly or indirectly controls either a savings association or any other company that is an SLHC. Title III of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) transfers to the Board of Governors of the Federal Reserve System the supervisory functions of the Office of Thrift Supervision (OTS) related to SLHCs and their non-depository subsidiaries beginning on July 21, 2011. The Dodd-Frank Act also provides that all regulations, guidelines, and other advisory materials issued by the OTS on or before the transfer date with respect to SLHCs and their non-depository subsidiaries will be enforceable until modified, terminated, set aside, or superseded.
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Policy Letters

Savings and Loan Holding Companies

SR 14-9
Incorporation of Federal Reserve Policies into the Savings and Loan Holding Company Supervision Program
SR 13-21
Inspection Frequency and Scope Requirements for Bank Holding Companies and Savings and Loan Holding Companies with Total Consolidated Assets of $10 Billion or Less
SR 13-8 / CA 13-5
Extension of the Use of Indicative Ratings for Savings and Loan Holding Companies
SR 11-13
Guidance Regarding Prior Notices with Respect to Dividend Declarations by Savings Association Subsidiaries of Savings and Loan Holding Companies
SR 11-12
Deregistration Procedures for Certain Savings and Loan Holding Companies
SR 11-11/CA 11-5
Supervision of Savings and Loan Holding Companies (SLHCs)
 

Rules, Regulations, and Notices

"Notices of Intent" or "Notices of Proposed Rulemaking" are not final rules and should be reviewed for background information purposes only.

Federal Reserve

FDIC and OCC

 

Additional Resources

 

 

Manual References

  • Bank Holding Company Supervision Manual
    • Section 2010.0, "Supervision of Subsidiaries"
    • Section 2020.0, "Intercompany Transactions"
    • Section 2500.0, "Supervision of Savings and Loan Holding Companies"
    • Section 3111.0, "Section 4(c)(8) of the BHC Act (Acquisition of Savings Associations)"
    • Section 4010.0, "Parent Only (Debt Servicing Capacity-Cash Flow)"
    • Section 4060.0, "Consolidated Earnings"
    • Section 4070.0, "Bank Holding Company Rating System"
    • Section 5000.0, "BHC Inspection Program"
Last update: November 24, 2014