Board of Governors of the Federal Reserve System

Data Dictionary

Item Number 9044

Call confidentiality applies to FFIEC 031/041.

Data Description:

A one-digit code intended to permit retrieval of major groups of entities based on their actual (not their potential) depository and legal status with regard to Regulation Y and the BHC Act.

0 =   Not applicable (branches and other non head office entities).

1 =   Denotes entities that are defined as banks in the Bank Holding Company Act, as amended, and implemented in the Federal Reserve's Regulation Y. Note: The statutory language used in CEBA is not employed.

The term bank is defined as follows:

(a)   An institution organized under the laws of the United States (including the District of Columbia, any territory of the United States, Puerto Rico, Guam, American Samoa, or the Virgin Islands) that accepts demand deposits or deposits that the depositor may withdraw by check or similar means for payment to third parties or others and is engaged in the business of making commercial loans.

(b)   Any institution that is defined as an insured bank in section 3(h) of the FDIC act, including state chartered savings banks; or,

(c)   Any institution that meets either of the above two criteria and was a Savings Association and that has converted to a bank charter, but that is still a member of the Savings Association Insurance Fund (SAIF).

The term bank does NOT include the following types of institutions:

(a)   A bank organized under the laws of a foreign country and resident outside the legal boundaries of the United States, even if the bank has a U.S. presence

(b)   An insured institution that is a savings association that is:

   i. an industrial loan company, industrial bank or other similar institution; or
   ii. a subsidiary of the Great Western Financial Corporation of New York; or
   iii. a Qualified Thrift Lender (QLTF) as defined in the FIRREA of 1989; for example, savings and loan associations, cooperative banks, federal savings banks; or
   iv. an institution that does not directly or indirectly, through association with the Great Western Financial Corporation, engage in the sale or underwriting of insurance.

(c)   An organization that does no business in the United States except as a means to do its overseas business.

(d)   An institution that functions solely in a trust or fiduciary capacity, and meets all of the following criteria:

   i. all, or substantially all, of the deposits are in trust funds and received in a bona fide fiduciary capacity;
   ii. no deposits of the institution are insured by the FDIC or affiliated with the FDIC in any way;
   iii. the institution does not accept demand deposits;
   iv. the institution does not obtain payment services from the Federal Reserve or exercise discount; or borrowing privileges from the Federal Reserve.

(e)   Credit Card Banks

(f)   Private Banks

(g)   An institution that either accepts deposits or makes commercial loans but does not do both types of business

(h)   Edge and Agreement Corporations

(i)   Credit Unions

Entities that may submit a Call Report but will not be included in BROAD_REG_CD of 1 are credit card banks,nonbank banks, cooperative banks, industrial banks, and federal savings banks.

2 =   Other depository institution -- an entity that accepts deposits including entities of the types defined in the Federal Reserve Act, Section 19(b) (1)(A) and in Regulation D, Section 204.2 m, n, o, and p excluding those entities of the type defined in "1" above.

3 =   Nondepository institution -- all active entities not covered in 1, 2 or 5

4 =   Inactive institution (excluding individuals and pseudo entities)

5 =   Individual or group of individuals or pseudo entity (an artificial entity used to accommodate reporting consolidated data, families, etc.)