FOIA
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 146, 1709 New York Avenue, 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 or to remove sensitive PII.
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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Single-Counterparty Credit Limits for Bank Holding Companies and Foreign Banking [R-1534]
See Dodd-Frank Act Proposals
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Margin and Capital Requirements for Covered Swap Entities [R-1682]
See Dodd-Frank Act Proposals
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See Dodd-Frank Act Proposals
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See Dodd-Frank Act Proposals
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Treatment of Land Development Loans for the Definition of High Volatility Commercial Real Estate Exposure [R-1669] (366 KB PDF)
The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation (collectively, the agencies) are issuing a notice of proposed rulemaking (proposal) to seek comment on the treatment of loans that finance the development of land for purposes of the one- to four-family residential properties exclusion in the definition of high volatility commercial real estate (HVCRE) exposure in the agencies' regulatory capital rule. This proposal expands upon the notice of proposed rulemaking (HVCRE NPR) issued on September 28, 2018 (R-1621).
Closing date for comments: 08/22/2019
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Rules Regarding Availability of Information [R-1665]
The Board invites comment on a notice of proposed rulemaking that would amend the Board's Rules Regarding Availability of Information. The amendments clarify and update the Board's regulations implementing the Freedom of Information Act and the rules governing the disclosure of confidential supervisory information and other nonpublic information of the Board.
Closing date for comments: 08/16/2019
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Regulation EE: Netting Eligibility for Financial Institutions [R-1661] (338 KB PDF)
The Board invites comment on a proposal to amend Regulation EE to include certain new entities in the definition of "financial institution" contained in section 402 of the Federal Deposit Insurance Corporation Improvement Act of 1991 (FDICIA) so that they will be covered by FDICIA's netting provisions. The proposal would also clarify how the existing activities-based test in Regulation EE applies following a consolidation of legal entities.
Closing date for comments: 07/1/2019
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Regulations Y and LL: Control and Divestiture Proceedings [R-1662]
The Board invites comment on a proposal that would revise the Board's regulations related to determinations of whether a company has the ability to exercise a controlling influence over another company for purposes of the Bank Holding Company Act or the Home Owners' Loan Act. The proposal would significantly expand the number of presumptions for use in such determinations.
Closing date for comments: 07/15/2019
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See Dodd-Frank Act Proposals
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See Dodd-Frank Act Proposals
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Margin and Capital Requirements for Covered Swap Entities [R-1654]
See Dodd-Frank Act Proposals
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Regulation D: Reserve Requirements of Depository Institutions [R-1652]
The Board is requesting comment on whether it should propose amendments to its Regulation D (Reserve Requirements of Depository Institutions) to lower the rate of interest paid on excess balances ("IOER") maintained at Federal Reserve Banks by eligible institutions that hold a very large proportion of their assets in the form of balances at Reserve Banks.
Closing date for comments: 05/13/2019
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Standardized Approach for Calculating the Exposure Amount of Derivative Contracts [R-1629]
See Dodd-Frank Act Proposals
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Regulatory Capital Treatment for High Volatility Commercial (HVCRE) Exposures [R-1621]
The Board, OCC, and FDIC are proposing to amend the regulatory capital rule to revise the definition of "high volatility commercial real estate (HVCRE) exposure" to conform to the statutory definition of "high volatility commercial real estate acquisition, development, or construction (HVCRE ADC) loan," in accordance with section 214 of the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA).
Closing date for comments: 11/27/2018
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The Board invites comment on an interim final rule that raises the asset size threshold for determining applicability of the Board's Small Bank Holding Company and Savings and Loan Holding Company Policy Statement (Regulation Y, Appendix C) (Policy Statement) to $3 billion from $1 billion of total consolidated assets. The interim final rule also makes related and conforming revisions to the Board's regulatory capital rule (Regulation Q) and requirements for bank holding companies (Regulation Y).
Closing date for comments: 10/29/2018
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The Board and the OCC are seeking comment on a proposal that would modify the enhanced supplementary leverage ratio standards for U.S. top-tier bank holding companies identified as global systemically important bank holding companies, or GSIBs, and certain of their insured depository institution subsidiaries. Specifically, the proposal would modify the current 2 percent leverage buffer, which applies to each GSIB, to equal 50 percent of the firm's GSIB risk-based capital surcharge.
Closing date for comments: 06/25/2018
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The Board is inviting comment on a notice of proposed rulemaking that would integrate the Board's regulatory capital rule and the Board's Comprehensive Capital Analysis and Review and stress test rules in order to simplify the capital regime applicable to firms subject to the capital plan rule. The proposal would amend the Board's capital plan rule, capital rule, and stress testing rules, and make amendments to the Stress Testing Policy Statement that was proposed for public comment on December 15, 2017.
Updated: In March 2019, the Board finalized a portion of this proposal with the issuance of [R-1653](PDF). The final rule eliminated the qualitative objection as part of the Board's stress test program, known as the Comprehensive Capital Analysis and Review. The proposal and the comments were previously taken down in error and have been re-posted without change.
Closing date for comments: 06/25/2018
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Regulation M: Consumer Leasing [R-1591]
See Dodd-Frank Act Proposals
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Banking Organization Systemic Risk Report [R-1535]
See Dodd-Frank Act Proposals
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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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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 on Application of the Uniform Financial Institutions Rating System [OP-1681]
The Board of Governors of the Federal Reserve System and the Federal Deposit Insurance Corporation are seeking information and comments from interested parties regarding the consistency of ratings assigned under the Uniform Financial Institutions Rating System (UFIRS). The assigned ratings are commonly known as CAMELS ratings. They also are interested in receiving feedback concerning the current use of CAMELS ratings by the agencies in their bank application and enforcement action processes.
Closing date for comments: 12/30/2019
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Interagency policy statement on allowances for credit losses (ACLs) [OP-1680] (377 KB PDF)
The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation (collectively, the banking agencies), and the National Credit Union Administration (collectively, the agencies) are inviting public comment on a proposed interagency policy statement on allowances for credit losses (ACLs).
Closing date for comments: 12/16/2019
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Interagency Guidance on Credit risk review systems [OP-1679] (313 KB PDF)
The OCC, the Board, the FDIC, and the NCUA (collectively, the agencies) are inviting comment on proposed guidance for credit risk review systems.
Closing date for comments: 12/16/2019
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Privacy Act of 1974: Notice of a Modified System of Records [OP-SORN-201906] (310 KB PDF)
Pursuant to the provisions of the Privacy Act of 1974, notice is given that the Board of Governors of the Federal Reserve System (Board) proposes to modify an existing system of records entitled, BGFRS-38, 'FRB-Transportation Subsidy Records.' The Board uses BGFRS-38 to track and monitor employees participation in the transportation subsidy program.
Closing date for comments: 10/3/2019
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Federal Reserve Actions to Support Interbank Settlement of Faster Payments [OP-1670]
The Board of Governors of the Federal Reserve System has determined that the Federal Reserve Banks should develop a new interbank 24x7x365 real-time gross settlement service with integrated clearing functionality to support faster payments in the United States. The new service would support depository institutions' provision of end-to-end faster payment services and would provide infrastructure to promote ubiquitous, safe, and efficient faster payments in the United States. In addition, the Federal Reserve intends to explore expanded hours for the Fedwire® Funds Service and the National Settlement Service, up to 24x7x365, to support a wide range of payment activities, including liquidity management in private-sector real-time gross settlement services for faster payments.
Closing date for comments: 11/7/2019
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Privacy Act of 1974: Notice of Modified System of Records [OP-SORN-201905] (314 KB PDF)
Privacy Act of 1974, notice is given that the Board proposes to modify an existing system of records entitled, BGFRS-12 "FRB-Bank Officers Personnel System." BGFRS-12 is a system of records that contains personal information about Federal Reserve Bank officers.
Closing date for comments: 08/29/2019
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The Board is requesting comment on potential modifications to the Federal Reserve Banks' payment services to facilitate adoption of a later same-day automated clearinghouse (ACH) processing and settlement window.
Closing date for comments: 07/15/2019
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Potential Federal Reserve Actions to Support Interbank Settlement of Faster Payments [OP-1625]
The Board is seeking input on potential actions that the Federal Reserve could take to promote ubiquitous, safe, and efficient faster payments in the United States by facilitating real-time interbank settlement of faster payments.
Closing date for comments: 12/14/2018
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New Message Format for the Fedwire® Funds Service [OP-1613]
The Board is requesting comment on a proposal to adopt the ISO® 20022 message format for the Fedwire® Funds Service. ISO 20022 is an international standard that would replace the Fedwire Funds Service's current, proprietary message format. The migration to ISO 20022 would take place in three phases beginning in 2020 and ending in 2023.
Closing date for comments: 09/4/2018
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Policy on Payment System Risk and Expanded Real-Time Monitoring [OP-1607] (201 KB PDF)
The Board is requesting comment on the benefits and drawbacks of a potential change to part II of the Federal Reserve Policy on Payment System Risk. The potential change would entail the Federal Reserve Banks monitoring in real time all Fedwire Funds transfers and rejecting those transfers that would breach the Fedwire sender's net debit cap, that is, the ceiling on its total daylight overdraft position that it is permitted to incur in its Federal Reserve account during any given day.
Closing date for comments: 07/6/2018
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The Board is inviting comments on proposed amendments to its guidelines on an internal appeals process for institutions wishing to appeal an adverse material supervisory determination and to its policy regarding the Ombudsman for the Federal Reserve System.
Closing date for comments: 04/30/2018
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The Board is seeking comment on proposed guidance describing core principles of effective senior management, the management of business lines, and independent risk management and controls for large financial institutions.
Closing date for comments: 03/15/2018
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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: 02/15/2018
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Continued Application of Regulations to Savings and Loan Holding Companies [OP-1427]
See Dodd-Frank Act Proposals
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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Agency Information Collection (277 KB PDF)
Proposal to approve under OMB delegated authority the extension for three years, with revision, the Intermittent Survey of Businesses (FR 1374; OMB No. 7100-0302).
Closing date for comments: 12/24/2019
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Agency Information Collection (289 KB PDF)
Proposal to approve under OMB delegated authority the extension for three years, without revision, the Filings Related to the Gramm-Leach-Bliley Act (FR 4010, FR 4011, FR 4012, FR 4017, FR 4019, and FR 4023; OMB No. 7100-0292).
Closing date for comments: 12/17/2019
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Agency Information Collection (303 KB PDF)
The OCC, the Board, and the FDIC (collectively, the agencies) are requesting comment on ways to modify the current requirements for reporting data on loans to small businesses and small farms in the Consolidated Reports of Condition and Income (Call Report) so that the reported data better reflect lending to these sectors of the U.S. economy.
Closing date for comments: 12/16/2019
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Agency Information Collection (353 KB PDF)
The Federal Financial Institutions Examination Council (FFIEC), of which the OCC, the Board, and the FDIC are members, has approved the agencies' publication for public comment of a proposal to revise and extend the Consolidated Reports of Condition and Income (Call Reports) (FFIEC 031, FFIEC 041, and FFIEC 051) and the Regulatory Capital Reporting for Institutions Subject to the Advanced Capital Adequacy Framework (FFIEC 101), which are currently approved collections of information.
Closing date for comments: 12/3/2019
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Agency Information Collection (300 KB PDF)
Proposal to approve under OMB delegated authority the extension for three years, without revision, the Recordkeeping and Disclosure Requirements Associated with Regulation RR (FR RR; OMB No. 7100-0372).
Closing date for comments: 11/29/2019
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Agency Information Collection (307 KB PDF)
See Dodd-Frank Act Proposals
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Agency Information Collection (304 KB PDF)
Proposal to approve under OMB delegated authority the extension for three years, with revision, the Banking Organization Systemic Risk Report (FR Y-15; OMB No. 7100-0352).
Closing date for comments: 11/12/2019
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Agency Information Collection (297 KB PDF)
Proposal to approve under OMB delegated authority the extension for three years, without revision, the Notice of Branch Closure (FR 4031; OMB No. 7100-0264).
Closing date for comments: 11/12/2019
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Agency Information Collection (297 KB PDF)
Proposal to approve under OMB delegated authority the extension for three years, without revision, the Transfer Agent Registration and Amendment Form (Form TA-1; OMB No. 7100-0099).
Closing date for comments: 11/12/2019
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Agency Information Collection (302 KB PDF)
Proposal to approve under OMB delegated authority the extension for three years, without revision, the Consumer Satisfaction Questionnaire, the Federal Reserve Consumer Help-Consumer Survey, the Consumer Online Complaint Form, and the Appraisal Complaint Form (FR 1379a, b, c, and d; OMB No. 7100-0135).
Closing date for comments: 11/12/2019
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Agency Information Collection (303 KB PDF)
Proposal to approve under OMB delegated authority the extension for three years, without revision, the Savings Association Holding Company Report (FR LL-(b)11;[1] OMB No. 7100-0334).
Closing date for comments: 11/12/2019
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See Dodd-Frank Act Proposals
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Agency Information Collection (311 KB PDF)
Proposal to extend for three years, with revision, the Notice by Financial Institutions of Government Securities Broker or Government Securities Dealer Activities and the Notice by Financial Institutions of Termination of Activities as a Government Securities Broker or Government Securities Dealer (Form G-FIN and Form G-FINW; OMB Nos. 7100-0224 (Board), 3064-0093 (FDIC)).
Closing date for comments: 10/28/2019
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Agency Information Collection (308 KB PDF)
Proposal to extend for three years, with revision, the Notice of Mutual Holding Company Reorganization (FR MM-10(o)-1), Application for Approval of a Stock Issuance by a Subsidiary Holding Company of a Mutual Holding Company (FR MM-10(o)-2), Application for Conversion of a Mutual Holding Company to Stock Form (FR FR MM-AC), Proxy Statement (FR MM-PS), Offering Circular (FR MM-OC), and Order Form (FR MM-OF) (OMB No. 7100-0340).
Closing date for comments: 10/11/2019
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Agency Information Collection (308 KB PDF)
Proposal to extend for three years, with revision, the Reporting and Disclosure Requirements Related to Securities of State Member Banks as Required by Regulation H (FR H-1; OMB No. 7100-0091).
Closing date for comments: 10/11/2019
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Agency Information Collection (304 KB PDF)
Proposal to approve under OMB delegated authority the extension for three years, with revision, the Savings and Loan Holding Company Registration Statement (FR LL-10(b); OMB No. 7100-0337).
Closing date for comments: 10/7/2019
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Agency Information Collection (333 KB PDF)
See Dodd-Frank Act Proposals
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Agency Information Collection (345 KB PDF)
See Dodd-Frank Act Proposals
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Agency Information Collection (332 KB PDF)
The Federal Financial Institutions Examination Council (FFIEC), of which the agencies are members, has approved the agencies' publication for public comment of a proposal to extend for three years, without revision, the Market Risk Regulatory Report for Institutions Subject to the Market Risk Capital Rule(FFIEC 102), which is currently an approved collection of information for each agency.
Closing date for comments: 11/18/2019
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Agency Information Collection (256 KB PDF)
The Federal Financial Institutions Examination Council (FFIEC), of which the agencies are members, has approved the agencies' publication for public comment of a proposal to extend for three years, without revision, the Country Exposure Report (FFIEC 009) and the Country Exposure Information Report (FFIEC 009a), which are currently approved collections of information.
Updated: PDF
Closing date for comments: 10/9/2019
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Agency Information Collection (235 KB PDF)
The Federal Financial Institutions Examination Council, of which the agencies are members, has approved the Board's publication for public comment of a proposal to revise and extend for three years the Consolidated Reports of Condition and Income for a Bank with Domestic and Foreign Offices (FFIEC 031), 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 Offices Only and Total Assets Less than $1 Billion (FFIEC 051), which are currently approved collections of information.
Closing date for comments: 06/18/2019
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Agency Information Collection (249 KB PDF)
CECL and EGRRCPA Reporting Revisions: FFIEC 031, FFIEC 041, FFIEC 051, FFIEC 002, FFIEC 002S, FFIEC 030, FFIEC 030S, FFIEC 101, FFIEC 031 and FFIEC 041 have been sent to OMB for review. They incorporate proposed reporting revisions and extensions revisions resulting from two sections of the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA), effective upon enactment on May 24, 2018, that affect the information reported in these reports. In addition, this proposal also includes regulatory capital reporting changes related to implementing the agencies' recent final rule on the implementation and capital transition for the current expected credit losses methodology (CECL).
Closing date for comments: 03/18/2019
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Agency Information Collection [ICP-201830]
See Dodd-Frank Act Proposals
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Agency Information Collection (229 KB PDF)
See Dodd-Frank Act Proposals
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See Dodd-Frank Act Proposals
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Agency Information Collection (215 KB PDF)
See Dodd-Frank Act Proposals
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Agency Information Collection (204 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