Freedom of Information Office
Proposals for Comment
The Board has requested public comment on the proposals listed below. 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. Public comments may also be viewed electronically or in paper form in Room 3515, 1801 K Street, N.W., Washington, D.C. 20006 between 9:00 a.m. and 5:00 p.m. on weekdays. All comments are reproduced without alteration except when necessary for technical reasons.
The proposals are grouped by subject: (1) Dodd-Frank Act Proposals, (2) regulations ("Rulemaking Proposals"), (3) policies ("Other Proposals"), (4) reports of financial and other information ("Information Collection Proposals"), and (5) Economic Growth Regulatory Paperwork Reduction Act of 1996 ("EGRPRA"). Under each heading, the proposals are listed in reverse order of publication in the Federal Register, with the most recently published proposal as the first entry.
The 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).
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.
Rulemaking Proposals
Proposals concerning Board regulations codified in the Code of Federal Regulations
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The OCC, Board, and FDIC are inviting public comment on a notice of proposed rulemaking that would simplify compliance with certain aspects of the capital rule. Most aspects of the proposed rule would apply only to banking organizations that are not subject to the "advanced approaches" in the capital rule, which are generally firms with less than $250 billion in total consolidated assets and less than $10 billion in total foreign exposure
Closing date for comments: 60 days after the Federal Register Notice
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Community Reinvestment Act Regulations [R-1574]
The OCC, Board, and FDIC propose (1) to amend their regulations implementing the Community Reinvestment Act to update the existing definitions of "home mortgage loan" and "consumer loan," related cross references, and the public file content requirements to conform recent revisions made by the Consumer Financial Protection Bureau to Regulation C, which implements the Home Mortgage Disclosure Act, and (2) to remove obsolete references to the Neighborhood Stabilization Program.
Closing date for comments: 10/20/2017
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Regulation Q: Regulatory Capital Rules: Retention of Certain Existing [R-1571]
The OCC, Board, and FDIC are inviting public comment on a notice of proposed rulemaking that would extend the current treatment under the regulatory capital rules for certain regulatory capital deductions and risk weights and certain minority interest requirements, as they apply to banking organizations that are not subject to the advanced approaches capital rules.
Closing date for comments: 09/25/2017
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Regulations K and LL: Large Financial Institution Rating System [R-1569]
The Board is seeking comment on a proposed new rating system for its supervision of large financial institutions. The proposed "Large Financial Institution Rating System" is closely aligned with the Federal Reserve's new supervisory program for large financial institutions. The proposed rating system would apply to all bank holding companies with total consolidated assets of $50 billion or more; all non-insurance, non-commercial savings and loan holding companies with total consolidated assets of $50 billion or more; and U.S. intermediate holding companies of foreign banking organizations established pursuant to the Federal Reserve's Regulation YY.
Closing date for comments: 11/30/2017
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Regulation Y: Real Estate Appraisals [R-1568]
The OCC, Board, and FDIC are inviting comment on a proposed rule to amend the agencies' regulations requiring appraisals of real estate for certain transactions. The proposal would increase the threshold level at or below which appraisals would not be required for commercial real estate transactions from $250,000 to $400,000.
Closing date for comments: 09/29/2017
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Regulation CC: Availability of Funds and Collection of Checks [R-1564]
The Board is proposing to amend Regulation CC to address situations where there is a dispute as to whether a check has been altered or is a forgery, and the original paper check is not available for inspection.
Closing date for comments: 08/1/2017
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Rules Regarding Availability of Information [R-1556]
The Board is adopting, and inviting comment on, an interim final rule to amend its regulations for processing requests under the Freedom of Information Act (FOIA) pursuant to the FOIA Improvement Act of 2016.
Closing date for comments: 02/27/2017
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Banking Organization Systemic Risk Report [R-1535]
See Dodd-Frank Act Proposals
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Regulation H: Loans in Areas Having Special Flood Hazards - Private Flood Insurance [R-1549]
The Board, OCC, FDIC, FCA, and NCUA are issuing a new proposal to amend their regulations regarding loans in areas having special flood hazards to implement the private flood insurance provisions of the Biggert-Waters Flood Insurance Reform Act of 2012.
Closing date for comments: 01/6/2017
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Enhanced Cyber Risk Management Standards [R-1550]
The Board, OCC, and FDIC are inviting comment on an advanced notice of proposed rulemaking regarding enhanced cyber risk management standards for large and interconnected entities under their supervision and those entities' service providers.
Closing date for comments: 02/17/2017
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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: 02/20/2017
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Regulation YY: Enhanced Prudential Standards for Systemically Important Insurance Companies [R-1540]
See Dodd-Frank Act Proposals
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See Dodd-Frank Act Proposals
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Incentive-based Compensation Arrangements [R-1536]
See Dodd-Frank Act Proposals
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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
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Single-Counterparty Credit Limits for Large Banking Organizations [R-1534]
See Dodd-Frank Act Proposals
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Regulation C: Home Mortgage Disclosure [R-1532]
See Dodd-Frank Act Proposals
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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
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See Dodd-Frank Act Proposals
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See Dodd-Frank Act Proposals
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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
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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
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See Dodd-Frank Act Proposals
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Incentive-Based Compensation Arrangements [R-1410]
See Dodd-Frank Act Proposals
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See Dodd-Frank Act Proposals
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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
Other Proposals
Proposals concerning Board policies not codified in the Code of Federal Regulations
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Request for Information Relating to Production of Rates [OP-1573]
The Board is considering the production and publication of three rates by the Federal Reserve Bank of New York, based on data for overnight repurchase agreement transactions on Treasury securities. The Board is inviting public comment to assist the Federal Reserve in considering and developing this proposal.
Closing date for comments: 10/30/2017
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Proposed Guidance on Supervisory Expectations for Boards of Directors [OP-1570]
The Board invites comment on a proposal addressing supervisory expectations for the boards of directors of bank holding companies, savings and loan holding companies, state member banks, U.S. branches and agencies of foreign banking organizations, and systemically important nonbank financial companies designated by the Financial Stability Oversight Council for supervision by the Federal Reserve.
Closing date for comments: 11/30/2017
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Application of the RFI/C(D) Rating System to Savings and Loan Holding Companies [OP-1555]
See Dodd-Frank Act Proposals
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Continued Application of Regulations to Savings and Loan Holding Companies [OP-1427]
See Dodd-Frank Act Proposals
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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
Information Collection Proposals
Proposals concerning the reporting of financial and other information under authority delegated to the Board by the Office of Management and Budget
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See Dodd-Frank Act Proposals
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Agency Information Collection (216 KB PDF)
Proposal to approve under OMB delegated authority the extension for three years, with revision, of the following reports: Interagency Notice of Change in Control (FR 2081A); Interagency Notice of Change in Director or Senior Executive Officer (FR 2081B); Interagency Biographical and Financial Report (FR 2081C); and Interagency Bank Merger Act Application (FR 2070).
Closing date for comments: 12/1/2017
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Agency Information Collection (212 KB PDF)
Proposal to approve under OMB delegated authority the extension for three years, without revision, of the following report: Recordkeeping Requirements Associated with the Real Estate Lending Standards Regulation for State Member Banks. (Reg. H-5).
Closing date for comments: 11/27/2017
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Agency Information Collection (212 KB PDF)
Proposal to approve under OMB delegated authority the extension for three years, without revision, of the following report: Reporting, Recordkeeping, and Disclosure Requirements Associated with the Guidance on Response Programs for Unauthorized Access to Customer Information (FR 4100).
Closing date for comments: 11/13/2017
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Agency Information Collection (215 KB PDF)
See Dodd-Frank Act Proposals
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Agency Information Collection (213 KB PDF)
See Dodd-Frank Act Proposals
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Agency Information Collection (227 KB PDF)
See Dodd-Frank Act Proposals
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Agency Information Collection (211 KB PDF)
Proposal to approve under OMB delegated authority the extension for three years, without revision, of the following report: Notifications Related to Community Development and Public Welfare Investments of State Member Banks (FR H-6).
Closing date for comments: 10/10/2017
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Agency Information Collection (214 KB PDF)
Proposal to approve under OMB delegated authority the implementation of the following report: Survey of Household Economics and Decisionmaking (FR 3077).
Closing date for comments: 10/10/2017
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Agency Information Collection (227 KB PDF)
See Dodd-Frank Act Proposals
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Agency Information Collection (211 KB PDF)
Proposal to approve under OMB delegated authority the extension for three years, with revision, of the following report: Application for Employment with the Board of Governors of the Federal Reserve System (FR 28, FR 28s, FR 28i).
Closing date for comments: 09/26/2017
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Agency Information Collection (213 KB PDF)
See Dodd-Frank Act Proposals
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Agency Information Collection (218 KB PDF)
Proposal to approve under OMB delegated authority the extension for three years, with revision, of the following reports: 1) Consolidated Financial Statements for Holding Companies, Parent Company Only Financial Statements for Large Holding Companies, Parent Company Only Financial Statements for Small Holding Companies, Financial Statement for Employee Stock Ownership Plan Holding Companies, and the Supplemental to the Consolidated Financial Statements for Holding Companies (FR Y-9C, FR Y-9LP, FR Y-9SP, FR Y-9ES, and FR Y-9CS); 2) The 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 the Capital and Asset Report of Foreign Banking Organizations (FR Y-7N, FR Y-7NS, and FR Y-7Q); and, 3) Consolidated Report of Condition and Income for Edge and Agreement Corporations (FR 2886b).
Revision to Proposal: PDF
Closing date for comments: 09/18/2017
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Agency Information Collection (218 KB PDF)
Proposal to approve under OMB delegated authority the extension for three years, with revision, of the following reports: 1) Financial Statements of US Nonbank Subsidiaries of US Holding Companies and the Abbreviated Financial Statements of US Nonbank Subsidiaries of US Holding Companies (FR Y-11 & Y-11S); and, 2) Financial Statements of Foreign Subsidiaries of US Banking Organizations and the Abbreviated Financial Statements of Foreign Subsidiaries of US Banking Organizations (FR 2314 & 2314S).
Revision to Proposal: PDF
Closing date for comments: 09/18/2017
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Agency Information Collection (239 KB PDF)
Proposal to approve under OMB delegated authority the extension for three years, without revision, of the following report: The Government Securities Dealers Reports: FR 2004A, B, C, SI, SD, SD ad hoc, WI, FA, FB, FC, and FM. Proposal to approve under OMB delegated authority the extension for three years, with revision, of the following report: Weekly Report of Selected Assets and Liabilities of Domestically Chartered Commercial Banks and U.S. Branches and Agencies of Foreign Banks: FR 2644.
Closing date for comments: 09/5/2017
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Agency Information Collection (340 KB PDF)
The Federal Financial Institutions Examination Council, of which the agencies are members, has approved the agencies' publication for public comment of a proposal to revise the Consolidated Reports of Condition and Income for Banks with Domestic Offices Only and Total Assets Less Than $1 Billion (FFIEC 051), Banks with Domestic Offices Only (FFIEC 041), and Banks with Domestic and Foreign Offices (FFIEC 031), which are currently approved collections of information.
Closing date for comments: 08/28/2017
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Agency Information Collection (236 KB PDF)
See Dodd-Frank Act Proposals
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Agency Information Collection (204 KB PDF)
See Dodd-Frank Act Proposals
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Agency Information Collection (243 KB PDF)
See Dodd-Frank Act Proposals
Economic Growth and Regulatory Paperwork Reduction Act (EGRPRA)
The Economic Growth and Regulatory Paperwork Reduction Act of 1996 (EGRPRA) requires that regulations prescribed by the Federal Financial Institutions Examination Council, and its member agencies be reviewed by the agencies at least once every 10 years. The purpose of this review is to identify outdated, unnecessary, or unduly burdensome regulations and consider how to reduce regulatory burden on insured depository institutions while, at the same time, ensuring their safety and soundness and the safety and soundness of the financial system.
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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
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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
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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
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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