Consumer Satisfaction Questionnaire; Federal Reserve Consumer Help--Consumer Survey, Consumer Online Complaint Form, and Appraisal Complaint Form
The Consumer Satisfaction Questionnaire (FR 1379a) is sent to consumers who have filed complaints with the Federal Reserve against state member banks. The Federal Reserve Consumer Help--Consumer Survey (FR 1379b) is sent as needed to consumers who contact the Federal Reserve Consumer Help (FRCH) to file a complaint or inquiry. The Consumer Online Complaint Form (FR 1379c) allows consumers to electronically submit a complaint against a financial institution to the FRCH. The Appraisal Complaint Form (FR 1379d) collects information about complaints regarding a regulated institution's noncompliance with the appraisal independence standards and the Uniform Standards of Professional Appraisal Practice, including complaints from appraisers, individuals, financial institutions, and other entities.
Complex Institution Liquidity Monitoring Report
The FR 2052a report collects quantitative information on selected assets, liabilities, funding activities, and contingent liabilities on a consolidated basis and by material entity subsidiary. The FR 2052a comprises sections covering broad funding classifications by product, outstanding balance and purpose, segmented by maturity date.
Liquidity Monitoring Report
The Liquidity Monitoring Report (FR 2052b; OMB No. 7100-0361) has been discontinued. The final data collection for the FR 2052b was for the September 30, 2017, report date. The report collected quantitative information on selected assets, liabilities, funding activities, and contingent liabilities on a consolidated basis and by material subsidiary entity. This data was used to monitor the overall liquidity profile of institutions supervised by the Federal Reserve. In place of the FR 2052b, Federal Reserve staff will monitor and assess liquidity risks of previous FR 2052b filers using the recently implemented Liquidity Focus Report (LFR). The LFR provides a consistent method for benchmarking liquidity risk for individual regional banks based on information derived from the Call Report.
Annual Daylight Overdraft Capital Report for U.S. Branches and Agencies of Foreign Banks
The FR 2225 report requests information needed to identify the foreign bank respondent and its fiscal year-end and to determine its capital and assets for purposes of daylight overdraft monitoring. The capital and assets items include the following: capital for the foreign bank parent, capital used by any direct or indirect subsidiary of the respondent that has its own net debit cap, the foreign bank's worldwide capital base calculation, the bank's worldwide assets, and the exchange rate used in the calculation.
Suspicious Activity Report
This report must be completed by a financial institution, including a state member bank, a bank holding company and its nonbank subsidiaries, an Edge or an agreement corporation and a domestic branch or agency of a foreign bank, when it knows of or suspects criminal activity that violates a federal criminal statute involving, among other things, financial crimes, money laundering, and violations of the Bank Secrecy Act or when it identifies any suspicious financial transactions. Suspicious financial transactions include transactions that the financial institution suspects involve funds derived from illegal activities; that were conducted for the purpose of hiding or disguising funds from illegal activities; or that were designed to evade the recordkeeping or reporting requirement of the Bank Secrecy Act. Suspicious financial transactions also include transactions that the financial institution believes are suspicious for any other reason.
The Home Mortgage Disclosure Act/Loan Application Register
This report takes the form of a register of mortgage and home improvement loan applications and their disposition during a calendar year.
Notifications Related to Community Development and Public Welfare Investments of
State Member Banks Pursuant to Section 208.22 of Regulation H
Regulation H requires state member banks (SMBs) engaging in permissible community development and public welfare investments provide notice of such investments to the Federal Reserve Bank in their District. The statutory provision authorizes SMBs to make investments designed primarily to promote the public welfare to the extent permissible under state law and subject to regulation by the Board. Regulation H permits SMBs to make certain public welfare investments without prior approval so long as the aggregate of such investments does not exceed 5 percent of the capital stock and surplus of the SMB, the bank is well capitalized and well managed, and the investment does not expose the SMB to liability beyond the amount of the investment.
Capital Assessments and Stress Testing
The FR Y-14A report collects detailed data on bank holding companies' (BHCs) and intermediate holding companies' (IHCs) quantitative projections of balance sheet assets and liabilities, income, losses, and capital across a range of macroeconomic scenarios and qualitative information on methodologies used to develop internal projections of capital across scenarios. The report is comprised of Summary, Macro Scenario, Regulatory Capital Instruments, Regulatory Capital Transitions, Operational Risk, Business Plan Changes, and Retail Repurchase Exposures schedules, each with multiple supporting sub-schedules. The number of schedules a respondent must complete is subject to materiality thresholds and certain other criteria. Respondents report projections on the FR Y-14A schedules across supervisory scenarios as well as firm-defined scenarios. One or more of the macroeconomic scenarios includes a market risk shock that the firm will assume when making trading and counterparty loss projections. Respondents are also required to submit qualitative information supporting their projections, including descriptions of the methodologies used to develop the internal projections of capital across scenarios and other analyses that support their comprehensive capital plans.
Capital Assessments and Stress Testing
The FR Y-14M report collects monthly detailed data on bank holding companies' (BHCs) and intermediate holding companies' (IHCs) loan portfolios. The report is comprised of three loan- and portfolio-level collections and one detailed address matching collection. These consist of Domestic First Lien Closed-end 1-4 Family Residential Loan, Domestic Home Equity Loan, Address Matching, and Domestic Credit Card data collections. The number of schedules a BHC must complete is subject to materiality thresholds and certain other criteria.
Capital Assessments and Stress Testing
The FR Y-14Q collects detailed data on bank holding companies' (BHC) and intermediate holding companies' (IHC) various asset classes, capital components, and categories of pre-provision net revenue (PPNR) on a quarterly basis. The FR Y-14Q report is comprised of Retail, Securities, Regulatory Capital Instruments, Regulatory Capital Transitions, Operational, Trading, PPNR, Wholesale, MSR Valuation Schedule, Retail Fair Value Option/Held for Sale, Counterparty, Balances, and Supplemental schedules, each with multiple supporting worksheets. All of the data schedules are to be submitted for each reporting period unless materiality thresholds apply.
Annual Company-Run Stress Test Report
This form has been replaced by the FFIEC 016 (Annual Dodd-Frank Act Company-Run Stress Test Report for Depository Institutions and Holding Companies with $10-$50 Billion in Total Consolidated Assets).
Recordkeeping and Disclosure Requirements Associated with Loans
Secured by Real Estate Located in Flood Hazard Areas Pursuant to 208.25 Regulation H
Regulation H requires state member banks to notify a borrower and servicer (person responsible for receiving scheduled payments from a borrower or making payments of principal and interest and other payments from the amounts received from the borrower) when a loan is secured by real estate that is determined to be in a designated flood hazard area. For such loans, the state member bank must then notify the borrower and servicer whether flood insurance is available. The state member bank must also notify the Federal Emergency Management Agency (FEMA) of the identity of, and any change of, the servicer of the loan. Last, the bank must retain a copy of the Standard Flood Hazard Determination Form used to determine whether the property securing a loan is in a designated flood hazard area.