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) transferred 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. In general, the policy letters listed below pertain specifically to SLHCs or to the supervisory program of SLHCs but it is not a complete list. Review the text of each SR letter issued after July 21, 2011 to determine whether the guidance in that specific letter applies to SLHCs.

Policy Letters

Savings and Loan Holding Companies

Framework for the Supervision of Insurance Organizations

Status of Covered Savings Associations and Holding Companies of Covered Savings Associations Under Statutes and Regulations Administered by the Federal Reserve

Large Financial Institution (LFI) Rating System

Supervisory Rating System for Holding Companies with Total Consolidated Assets Less Than $100 billion

Supervisory Guidance for Examining Compliance with the Qualified Thrift Lender Test

Relying on the Work of the Regulators of the Subsidiary Insured Depository Institution(s) of Bank Holding Companies and Savings and Loan Holding Companies with Total Consolidated Assets of Less than $100 Billion

Incorporation of Federal Reserve Policies into the Savings and Loan Holding Company Supervision Program

Inspection Frequency and Scope Expectations for Bank Holding Companies and Savings and Loan Holding Companies that are Community Banking Organizations

Guidance Regarding Prior Notices with Respect to Dividend Declarations by Savings Association Subsidiaries of Savings and Loan Holding Companies

Deregistration Procedures for Certain Savings and Loan Holding Companies

Rules and Regulations

Additional Resources

Manual References

  • Bank Holding Company Supervision Manual
    • Section 1020.0, "Supervision of Savings and Loan Holding Companies"
    • Section 1063.0, “Holding Company Ratings Applicability and Inspection Frequency”
    • Section 2010.0, "Supervision of Subsidiaries"
    • Section 2020.0, "Intercompany Transactions"
Back to Top
Last Update: October 03, 2023