Banking and Consumer Regulatory Policy

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• December 23, 2003
  Advance notice of proposed rulemaking to improve privacy notices provided to consumers by financial institutions under the Gramm-Leach-Bliley Act
• December 22, 2003
  Approval of a proposed rule to amend Regulation CC and its commentary to implement the Check Clearing for the 21st Century Act (Check 21 Act)
• December 19, 2003
  Annual notice of asset-size exemption threshold for depository institutions
• December 16, 2003
  Request for comment on interim final rules and proposed rules to establish effective dates for certain provisions of the Fair and Accurate Transactions Act of 2003 (FACT Act) including provisions that preempt state laws that regulate areas governed by the Fair Credit Reporting Act (FCRA)
• December 4, 2003
  Final rule on Regulation Y (Bank Holding Companies and Change in Bank Control) to expand abilities of all bank holding companies to process, store and transmit nonfinancial data in connection with financial data activities
• November 26, 2003
  Proposed amendments to five consumer protection regulations to establish more uniform standards for providing disclosures
• October 30, 2003
  Request for comment on modifications to New Basel Capital Accord
• October 1, 2003
  Annual adjustments to the amount of net transaction accounts used in calculating reserve requirements
• September 12, 2003
  Request for comments on interim amendment to and proposed rulemaking for risk-based capital standards for the treatment of assets in asset-backed commercial paper programs and securitizations with early-amortization provisions
• September 10, 2003
  Stabilization of quality of large syndicated bank loans covered in Shared National Credit review
• September 8, 2003
  New online guide for U.S. and foreign banking organizations submitting applications to the Federal Reserve
• August 28, 2003
  Amendments announced to appendix A of Regulation CC (Availability of Funds and Collection of Checks)
• August 25, 2003
  Request for comments on proposed official interpretation on anti-tying restrictions, amendment to Regulation Y, and related supervisory guidance
• August 19, 2003
  Annual adjustment of fee-based trigger for additional mortgage loan disclosures
• August 12, 2003
  Request for comments on proposed interagency guidance on response programs to protect against identity theft
• August 8, 2003
  Interagency rules on disciplinary actions against accountants and accounting firms
• August 4, 2003
  Requests for comment on two interagency documents related to the proposed implementation of the new Basel Capital Accord
• July 28, 2003
  New interagency electronic filing system for beneficial ownership reports
• July 23, 2003
  Interagency guidance on use of discount window
• July 11, 2003
  Request for public comment on implementation of the New Basel Capital Accord in the United States, and on related draft supervisory guidance
• June 30, 2003
  Final rule on Regulation Y (Bank Holding Companies and Change in Bank Control) to allow certain bank holding companies to transfer title to commodities underlying derivative contracts on an instantaneous, pass-through basis
• June 17, 2003
  Contract awarded in interagency effort to modernize collection, processing, and distribution of quarterly bank financial reports
• June 3, 2003
  Request for comments on interagency plan to reduce regulatory burden
• May 28, 2003
  Proposal to amend Regulation K to require Edge and Agreement corporations and U.S. branches, agencies, and other offices of foreign banks supervised by the Board to establish procedures for ensuring compliance with the Bank Secrecy Act
• May 23, 2003
  Regulation C transition rules on collecting and reporting information when an application for a home mortgage loan is received before--and final action is taken after--January 1, 2004
• May 22, 2003
  Banking agencies issue host state loan-to-deposit ratios
• May 20, 2003
  Series of amendments to Appendix A of Regulation CC to reflect the restructuring of the Federal Reserve's check processing operations
• April 30, 2003
  Treasury and federal financial regulators issue final Patriot Act Regulations on customer identification
• April 30, 2003
  Banking agencies announce publication of Basel Accord consultative paper
• April 8, 2003
  Publication of Interagency Paper on Sound Practices to Strengthen the Resilience of the U.S. Financial System
• March 28, 2003
  Revision of official staff commentary on Regulation Z (Truth in Lending)
• March 17, 2003
  Updated interagency policy statement on internal auditing
• March 11, 2003
  Proposal to amend Regulation Y (Bank Holding Companies and Change in Bank Control) to allow certain bank holding companies to transfer title to commodities underlying derivative contracts on an instantaneous, pass-through basis
• March 5, 2003
  Final rule published amending Regulation B (Equal Credit Opportunity)
• March 3, 2003
  Proposed amendment of official staff commentary on Regulation C (Home Mortgage Disclosure) to provide transition rules
• February 25, 2003
  Interagency advisory on risks related to mortgage banking
• February 19, 2003
  Final rule amending Regulation B (Equal Credit Opportunity)
• February 7, 2003
  Regulation K interpretation on foreign banks underwriting securities to be distributed in the United States
• January 31, 2003
  Final rule on reporting and disclosure requirements for state member banks that have a class of securities registered under the Securities Exchange Act of 1934 (Regulation H)
• January 14, 2003
  Reauthorization by the Congress of the National Flood Insurance Program
• January 8, 2003
  Interagency guidance on credit card account management and loss allowance practices
• January 6, 2003
  Approval of final rule on Regulation K (International Banking Operations)

2003 Press Releases: