Freedom of Information Office

Regulations Y and YY: Amendments to the Capital Plan and Stress Test Rules [R-1548]

See Dodd-Frank Act Proposals

Regulations Q and Y: Risk-based Capital and Other Regulatory Requirements for Activities of Financial Holding Companies Related to Physical Commodities and Risk-based Capital Requirements for Merchant Banking Investments [R-1547]

The Board invites comment on a proposed rule that would strengthen existing requirements and limitations on the physical commodity activities of financial holding companies. The proposal would help reduce the catastrophic, legal, reputational, and financial risks that physical commodity activities pose to financial holding companies.

Closing date for comments: 12/22/2016

Appraisals for Higher-Priced Mortgage Loans Exemption Threshold [R-1443]

See Dodd-Frank Act Proposals

Truth in Lending (Regulation Z) [R-1546]

See Dodd-Frank Act Proposals

Consumer Leasing (Regulation M) [R-1545]

See Dodd-Frank Act Proposals

Rules of Practice for Hearings [R-1543] (238 KB PDF)

The Board is issuing an interim final rule amending its rules of practice and procedure to adjust the amount of each civil monetary penalty provided by law within its jurisdiction to account for inflation as required by the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015.

Closing date for comments: 08/30/2016

Regulation YY: Enhanced Prudential Standards for Systemically Important Insurance Companies [R-1540]

See Dodd-Frank Act Proposals

Capital Requirements for Supervised Institutions Significantly Engaged in Insurance Activities [R-1539]

See Dodd-Frank Act Proposals

Incentive-based Compensation Arrangements [R-1536]

See Dodd-Frank Act Proposals

Regulations Q, WW, and YY: Restrictions on Qualified Financial Contracts of Systemically Important U.S. Banking Organizations and the U.S. Operations of Systemically Important Foreign Banking Organizations [R-1538]

See Dodd-Frank Act Proposals

Regulation WW: Net Stable Funding Ratio: Liquidity Risk Measurement Standards and Disclosure Requirements [R-1537]

The OCC, Board, and FDIC are inviting comment on a proposed rule that would implement a stable funding requirement, the net stable funding ratio (NSFR), for large and internationally active banking organizations.

Closing date for comments: 08/5/2016

Regulation Q: Risk-Based Capital Guidelines: Implementation of Capital Requirements for Global Systemically Important Bank Holding Companies [R-1535]

See Dodd-Frank Act Proposals

Single-Counterparty Credit Limits for Large Banking Organizations [R-1534]

See Dodd-Frank Act Proposals

Expanded Examination Cycle for Certain Small Insured Depository Institutions and U.S. Branches and Agencies of Foreign Banks [R-1531]

The OCC, Board, and FDIC are jointly issuing and requesting public comment on interim final rules to implement section 83001 of the Fixing America's Surface Transportation Act (FAST Act), which was enacted on December 4, 2015. Section 83001 of the FAST Act permits the agencies to examine qualifying insured depository institutions with less than $1 billion in total assets no less than once during each 18-month period.

Closing date for comments: 04/29/2016

Regulation I: Federal Reserve Bank Capital Stock [R-1533]

The Board requests public comment on an interim final rule that amends Regulation I to establish procedures for payment of dividends by the Federal Reserve Banks to implement the provisions of section 32203 of the "Fixing America's Surface Transportation Act." The interim final rule sets out the dividend rates applicable to Reserve Bank depository institution stockholders and amends provisions of Regulation I regarding treatment of accrued dividends when a Reserve Bank issues or cancels Federal Reserve Bank capital stock.

Closing date for comments: 04/29/2016

Regulation C: Home Mortgage Disclosure [R-1532]

See Dodd-Frank Act Proposals

Regulation WW: Liquidity Coverage Ratio: Public Disclosure Requirements; Extension of Compliance Period for Certain Companies to Meet the Liquidity Coverage Ratio Requirements [R-1525]

The Board invites public comment on a proposed rule that would implement public disclosure requirements regarding the liquidity coverage ratio (LCR) of large, internationally active banking organizations and certain smaller, less complex banking organizations.

Closing date for comments: 02/2/2016

Regulations Q and YY: Total Loss-Absorbing Capacity, Long-Term Debt, and Clean Holding Company Requirements for Systemically Important U.S. Bank Holding Companies and Intermediate Holding Companies of Systemically Important Foreign Banking Organizations [R-1523]

See Dodd-Frank Act Proposals

Regulatory Capital Rules: Interim Final Rule to Exempt Small Savings and Loan Holding Companies from the Regulatory Capital Rules [R-1508]

The Board invites comment on an interim final rule that would exempt savings and loan holding companies that have total consolidated assets of less than $500 million and meet certain other requirements from the Board's regulatory capital requirements (Regulation Q). The amendments implement Public Law 113-250, which exempts small savings and loan holding companies from the minimum capital requirements mandated by section 171 of the Dodd-Frank Wall Street Reform and Consumer Protection Act that would meet the Board's Small Bank Holding Company Policy Statement if they were bank holding companies. In connection with this interim final rule, the Board is proposing to remove the requirement that qualifying savings and loan holding companies complete Schedule SC-R, Part I (Regulatory Capital Components and Ratios), of form FR Y-9SP (Parent Company Only Financial Statements for Small Holding Companies).

Closing date for comments: 03/4/2015

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]

See Dodd-Frank Act Proposals

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]

See Dodd-Frank Act Proposals

Complementary Activities, Merchant Banking Activities, and Other Activities of Financial Holding Companies related to Physical Commodities [R-1479]

Advance notice of proposed rulemaking on various issues related to physical commodity activities conducted by financial holding companies and the restrictions imposed on these activities to ensure they are conducted in a safe and sound manner and consistent with applicable law.

Closing date for comments: 04/16/2014

Regulation CC: Availability of Funds and Collection of Checks [R-1409]

The Board is revising its proposed amendments to subparts C and D of Regulation CC and is requesting comment on a revised proposed rule that would, among other things, encourage depositary banks to receive and paying banks to send returned checks electronically.

Closing date for comments: 05/2/2014

Regulation H - Loans in Areas Having Special Flood Hazards [R-1462]

Joint notice of proposed rulemaking to amend regulations pertaining to loans secured by property located in areas having special flood hazards to implement provisions of the Biggert-Waters Flood Insurance Reform Act of 2012.

Closing date for comments: 12/10/2013

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]

See Dodd-Frank Act Proposals

Incentive-Based Compensation Arrangements [R-1410]

See Dodd-Frank Act Proposals

Regulation H and Y [R-1391]

See Dodd-Frank Act Proposals

Interagency Advanced Notice of Proposed Rulemaking:Threshold for the Requirement to Collect, Retain, and Transmit Information on Funds Transfers and Transmittals of Funds [R-1258]

Joint advanced notice of proposed rulemaking requesting comment from the public, including law enforcement and financial institutions, to assess whether the potential benefit to law enforcement of a lower threshold outweighs the potential burden to financial institutions.

Closing date for comments: 08/21/2006

Continued Application of Regulations to Savings and Loan Holding Companies [OP-1427]

See Dodd-Frank Act Proposals

Anti-Tying Restrictions of Section 106 of the Bank Holding Company Act Amendments of 1970 [OP-1158]

Proposal to adopt an interpretation of the anti-tying restrictions of section 106 of the Bank Holding Company Act Amendments of 1970, and related supervisory guidance

Closing date for comments: 09/30/2003

Agency Information Collection (196 KB PDF)

See Dodd-Frank Act Proposals

Agency Information Collection (1.2 MB PDF)

The Board, OCC, and FDIC have approved the publication for public comment of a proposal for a new Consolidated Reports of Condition and Income for Eligible Small Institutions (FFIEC 051). In addition, the agencies are seeking public comment on proposed revisions to the Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only (FFIEC 041) and the Consolidated Reports of Condition and Income for a Bank with Domestic and Foreign Offices (FFIEC 031), which are currently approved collections of information.

Correction: PDF

Closing date for comments: 10/14/2016

Agency Information Collection (196 KB PDF)

See Dodd-Frank Act Proposals

Agency Information Collection (213 KB PDF)

See Dodd-Frank Act Proposals

Agency Information Collection (198 KB PDF)

See Dodd-Frank Act Proposals

Agency Information Collection (210 KB PDF)

The Board, OCC, and FDIC are proposing to extend for three years, with revision, the FFIEC 102, which is a currently approved collection of information for each agency: Market Risk Regulatory Report for Institutions Subject to the Market Risk Capital Rule (FFIEC 102).

Closing date for comments: 09/6/2016

Agency Information Collection (203 KB PDF)

The Board, OCC, and FDIC are proposing to extend, with minor revision, the Uniform Interagency Transfer Agent Registration and Amendment Form (Form TA-1), which is a currently approved collection of information.

Closing date for comments: 08/9/2016

Agency Information Collection (201 KB PDF)

Proposal to approve under OMB delegated authority the extension for three years, with revision, of the following reports: 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 Structures (FR Y-6; FR Y-7; FR Y-10; FR Y-10E).

Closing date for comments: 06/24/2016

Agency Information Collection (204 KB PDF)

See Dodd-Frank Act Proposals

Agency Information Collection (218 KB PDF)

Notice by the agencies (Board, OCC, & FDIC) of submission of a request to OMB for review and approval of the extension for three years, with revision, of the following report: Risk-Based Capital Reporting for Institutions Subject to the Advanced Capital Adequacy Framework (FFIEC 101).

Closing date for comments: 09/19/2016

Agency Information Collection (204 KB PDF)

Notice by the agencies (Board, OCC, & FDIC) of submission of a request to OMB for review and approval of the extension for three years, with revision, of the Country Exposure Report and the Country Exposure Information Report: FFIEC 009 and FFIEC 009a.

Closing date for comments: 08/19/2016

Agency Information Collection (204 KB PDF)

Proposal to approve under OMB delegated authority the extension for three years, with revision, of the following report: Financial Statements of U.S. Nonbank Subsidiaries Held by Foreign Banking Organizations, Abbreviated Financial Statements of U.S. Nonbank Subsidiaries Held by Foreign Banking Organizations, and Capital and Asset Report for Foreign Banking Organizations (FR Y-7N, FR Y-7NS, and FR Y-7Q).

Closing date for comments: 06/3/2016

Agency Information Collection (243 KB PDF)

See Dodd-Frank Act Proposals

Agency Information Collection (270 KB PDF)

Notice by the agencies (Board, OCC, & FDIC) of submission of a request to OMB for review and approval of the extension for three years, with revision, of the 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).

Closing date for comments: 08/12/2016

EGRPRA: Rules of Procedure; Safety and Soundness; and Securities [R-1510]

The OCC, Board, and FDIC are conducting a review of the regulations we have issued in order to identify outdated or otherwise unnecessary regulatory requirements imposed on insured depository institutions, as required by the Economic Growth and Regulatory Paperwork Reduction Act of 1996 (EGRPRA). EGRPRA requires the Agencies to organize the regulations into categories and publish groups of categories for comment. In this notice, the Agencies are seeking public comment on regulations in the following categories: Rules of Procedure; Safety and Soundness; and Securities.

Correction: PDF

Closing date for comments: 03/22/2016

EGRPRA: Consumer Protection; Directors, Officers and Employees; and Money Laundering [R-1510]

The OCC, Board, and FDIC are conducting a review of the regulations we have issued in order to identify outdated or otherwise unnecessary regulatory requirements imposed on insured depository institutions, as required by the Economic Growth and Regulatory Paperwork Reduction Act of 1996 (EGRPRA). EGRPRA requires the Agencies to organize the regulations into categories and publish groups of categories for comment. In this notice, the Agencies are seeking public comment on regulations in the following categories: Consumer Protection; Directors, Officers and Employees; and Money Laundering.

Closing date for comments: 09/3/2015

EGRPRA: Banking Operations, Capital, and the Community Reinvestment Act [R-1510]

The OCC, Board, and FDIC ("Agencies") are seeking public comment on a second set of regulatory categories as part of their review to identify outdated or unnecessary regulations applied to insured depository institutions. The Agencies are seeking comment on regulations in the following categories: Banking Operations, Capital, and the Community Reinvestment Act.

Closing date for comments: 05/14/2015

Regulatory Publication and Review Under the Economic Growth and Regulatory Paperwork Reduction Act of 1996 [OP-1491]

The OCC, Board, and FDIC ("we" or "Agencies") are conducting a review of the regulations we have issued to identify outdated, unnecessary, or unduly burdensome regulations for insured depository institutions. This review is required by section 2222 of the Economic Growth and Regulatory Paperwork Reduction Act of 1996 ("EGRPRA"). To facilitate this review, the Agencies have divided these regulations into 12 subject-matter categories and identified the regulations within each category. This is the first of the four Federal Register requests for comment. In it, we are seeking comment on the regulations in the following three categories: Applications and Reporting, Powers and Activities, and International Operations. We will address the remaining nine categories in the three subsequent requests for comment.

Closing date for comments: 09/2/2014