- FRRS Home
- Banks and Banking
- Department of the Treasury, Financial Crimes Enforcement Network
- PARTS 1000–1009 [RESERVED]
Federal Reserve Regulatory Service
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Federal Reserve Act and Related Statutes
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Federal Reserve Act
- Official Title
- SECTION 1—Short Title and Definitions
- SECTION 2—Federal Reserve Districts
- SECTION 2A—Monetary Policy Objectives
- SECTION 2B—Appearances Before and Reports to the Congress
- SECTION 3—Branch Offices
- SECTION 4—Federal Reserve Banks
- SECTION 5—Stock Issues; Increase and Decrease of Capital
- SECTION 6—Insolvency of Member Banks
- SECTION 7—Division of Earnings
- SECTION 8—Conversion of State Banks into National Banks
- SECTION 9—State Banks as Members
- SECTION 9A—Participation in Lotteries Prohibited
- SECTION 9B—Resolution of Clearing Banks
- SECTION 10—Board of Governors of the Federal Reserve System
- SECTION 10A—Emergency Advances to Groups of Member Banks
- SECTION 10B—Advances to Individual Member Banks
- SECTION 11—Powers of Board of Governors of the Federal Reserve System
- SECTION 11A—Pricing of Services
- SECTION 11B—Annual Independent Audits of Federal Reserve Banks and Board
- SECTION 11C—Master Account and Services Database
- SECTION 12—Federal Advisory Council
- SECTION 12A—Federal Open Market Committee
- SECTION 13—Powers of Federal Reserve Banks
- SECTION 13A—Discount of Agricultural Paper
- SECTION 14—Open-Market Operations
- SECTION 15—Government Deposits
- SECTION 16—Note Issues
- SECTION 17—Deposit of Bonds by National Banks
- SECTION 18—Refunding Bonds
- SECTION 19—Bank Reserves
- SECTION 20—National Bank Notes Redemption Fund as Reserve
- SECTION 21—Bank Examinations
- SECTION 22—Offenses of Examiners, Member Banks, Officers, and Directors
- SECTION 23—Interbank Liabilities
- SECTION 23A—Relations with Affiliates
- SECTION 23B—Restrictions on Transactions with Affiliates
- SECTION 24—Real Estate Loans
- SECTION 24A—Investment in Bank Premises or Stock of Corporation Holding Premises
- SECTION 25—Foreign Branches
- SECTION 25A—Banking Corporations Authorized to Do Foreign Banking Business
- SECTION 25B—Jurisdiction of Suits
- SECTION 25C—Potential Liability on Foreign Accounts
- SECTION 26 [Repealed]
- SECTION 27—Tax on National Bank Notes
- SECTION 28—Reduction of Capital of National Banks
- SECTION 29—Civil Money Penalty
- SECTION 30—Saving Clause
- SECTION 31—Reservation of Right to Amend
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Administrative Procedure
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5 USC, PART I, CHAPTER 5, SUBCHAPTER II—ADMINISTRATIVE PROCEDURE
- SECTION 551—Definitions
- SECTION 553—Rule Making
- SECTION 554—Adjudications
- SECTION 555—Ancillary Matters
- SECTION 556—Hearings; Presiding Employees; Powers and Duties; Burden of Proof; Evidence; Record as Basis of Decision
- SECTION 557—Initial Decisions; Conclusiveness; Review by Agency; Submissions by Parties; Contents of Decisions; Record
- SECTION 558—Imposition of Sanctions; Determination of Applications for Licenses; Suspension, Revocation, and Expiration of Licenses
- SECTION 559—Effect on Other Laws; Effect of Subsequent Statute
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5 USC, PART I, CHAPTER 6—THE ANALYSIS OF REGULATORY FUNCTIONS
- SECTION 601—Definitions
- SECTION 602—Regulatory Agenda
- SECTION 603—Initial Regulatory Flexibility Analysis
- SECTION 604—Final Regulatory Flexibility Analysis
- SECTION 605—Avoidance of Duplicative or Unnecessary Analyses
- SECTION 606—Effect on Other Law
- SECTION 607—Preparation of Analyses
- SECTION 608—Procedure for Waiver or Delay of Completion
- SECTION 609—Procedures for Gathering Comments
- SECTION 610—Periodic Review of Rules
- SECTION 611—Judicial Review
- SECTION 612—Reports and Intervention Rights
- 5 USC, PART I, CHAPTER 7—JUDICIAL REVIEW
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5 USC, PART I, CHAPTER 5, SUBCHAPTER II—ADMINISTRATIVE PROCEDURE
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Antitrust Laws
- SHERMAN ANTITRUST ACT
- CLAYTON ANTITRUST ACT
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Bretton Woods Agreements Act
- SECTION 1—Short Title
- SECTION 2—Acceptance of Membership
- SECTION 3—Appointment of Governors, Executive Directors, and Alternates
- SECTION 4—National Advisory Council on International Monetary and Financial Problems
- SECTION 5—Congressional Authorization Needed for Certain Actions
- SECTION 6
- SECTION 7—Payment of Subscription to Fund and Bank
- SECTION 8—Obtaining and Furnishing Information
- SECTION 9
- SECTION 10—Jurisdiction and Venue of Actions
- SECTION 11—Status, Immunities and Privileges
- SECTION 12—Stabilization Loans by the Bank
- SECTION 13—Stabilization Operations by the Fund
- SECTION 14—Further Promotion of International Economic Relations
- SECTION 15—Securities Exempted from Securities Act of 1933
- SECTION 16
- SECTION 17
- SECTION 18
- SECTION 19
- SECTION 20
- SECTION 21
- SECTION 22
- SECTION 23
- SECTION 24
- SECTION 25
- SECTION 26
- SECTION 27
- SECTION 28
- SECTION 29
- SECTION 30
- SECTION 31
- SECTION 32
- SECTION 33—Consideration of Human Needs in Economic Adjustment Programs
- SECTION 34
- SECTION 35—Dollar-Special Drawing Rights Substitution Account
- SECTION 36—Membership for Taiwan in Fund
- SECTION 37—Membership for Palestine Liberation Organization in Fund
- SECTION 38—Assistance to El Salvador, Nicaragua, and Other Nations
- SECTION 39—Increase of Subscription of Stock; Authorization of Appropriations
- SECTION 40—Promoting Conditions for Exchange Rate Stability
- SECTION 41—Quota Increase
- SECTION 42—Collection and Exchange of Information on Monetary and Financial Problems
- SECTION 43—Instructions to the United States Executive Director
- SECTION 44—Elimination of Agricultural Export Subsidies
- SECTION 45—Sustaining Economic Growth
- SECTION 46—Opposing Fund Bailouts of Banks
- SECTION 47—International Cooperation
- SECTION 48—IMF Interest Rates
- SECTION 49—Trade Provisions
- SECTION 50
- SECTION 51—Additional Increase in Capital Stock of Bank; Subscription to Additional Shares
- SECTION 52
- SECTION 53—Capital Stock Increase
- SECTION 54—Contribution to the Interest Subsidy Account of the Enhanced Structural Adjustment Facility
- SECTION 55—Discussions to Enhance the Capacity of the Fund to Alleviate the Potentially Adverse Impacts of Fund Programs on the Poor and the Environment
- SECTION 56—Quota Increase
- SECTION 57—Acceptance of Amendments to the Articles of Agreement of the Fund
- SECTION 58—Approval of Fund Pledge to Sell Gold to Provide Resources for the Reserve Account of the Enhanced Structural Adjustment Facility Trust
- SECTION 59—Fund Policy Changes
- SECTION 60—Measures to Reduce Military Spending by Developing Nations
- SECTION 61—Quota Increase
- SECTION 62—Approval of Contributions for Debt Reductions for the Poorest Countries
- SECTION 63—Principles for International Monetary Fund Lending
- SECTION 64—Acceptance of Amendments to Articles of Agreement of Fund Approved on April 28 and May 5, 2008
- SECTION 65—Quota Increase to 4,973,100,000 Special Drawing Rights
- SECTION 66—Approval to Sell a Limited Amount of the Fund’s Gold
- SECTION 67—Acceptance of Amendment to Articles of Agreement of Fund Approved on October 22, 1997
- SECTION 68—Restrictions on Use of United States Funds for Foreign Governments; Protection of American Taxpayers
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Crimes and Bank Protection
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CRIMINAL CODE (18 U.S.C.)
- SECTION 6—Department and Agency Defined
- SECTION 20—Financial Institution Defined
- SECTION 208—Acts Affecting a Personal Financial Interest
- SECTION 212—Offer of Loan or Gratuity to Financial Institution Examiner
- SECTION 213—Acceptance of Loan or Gratuity by Financial Institution Examiner
- SECTION 214—Fees for Procuring Loans
- SECTION 215—Receipt of Commissions or Gifts for Procuring Loans
- SECTION 334—Wrongful Issuance of Currency
- SECTION 655—Theft by Bank Examiner
- SECTION 656—Embezzlements
- SECTION 709—False Advertising
- SECTION 955—Financial Transactions with Foreign Governments Indebted to United States
- SECTION 1001—Statements or Entries Generally
- SECTION 1004—False Certification of Checks
- SECTION 1005—False Entries
- SECTION 1014—False Statements to Influence Action
- SECTION 1306—Participation in Lotteries
- SECTION 1344—Bank Fraud
- SECTION 1906—Disclosure of Information by Bank Examiner
- SECTION 1909—Examiner Performing Other Services
- SECTION 2113—Bank Robbery and Theft
- SECTION 2331—Definitions
- SECTION 3293—Financial Institution Offenses
- BANK PROTECTION ACT
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CRIMINAL CODE (18 U.S.C.)
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Depository Institutions Deregulation and Monetary Control Act of 1980
- TITLE I—MONETARY CONTROL ACT
- TITLE II—DEPOSITORY INSTITUTIONS DEREGULATION ACT
- TITLE III—CONSUMER CHECKING ACCOUNT EQUITY ACT
- TITLE IV—POWERS OF THRIFT INSTITUTIONS AND MISCELLANEOUS PROVISIONS
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TITLE V—STATE USURY LAWS
- SECTION 501—Mortgages
- SECTION 511—Business and Agricultural Loans
- SECTION 512—Effective Date of Part B
- SECTION 521—Insured Banks
- SECTION 522—Insured Savings and Loan Associations
- SECTION 523—Insured Credit Unions
- SECTION 524—Small Business Investment Companies
- SECTION 525—Effective Date
- SECTION 526—Severability
- SECTION 527—Definition
- SECTION 528—Effect on Other Law
- SECTION 529—Repeal of Existing Law
- TITLE VI—TRUTH IN LENDING SIMPLIFICATION AND REFORM ACT
- TITLE VII—AMENDMENTS TO NATIONAL BANKING LAWS
- TITLE VIII—FINANCIAL REGULATION SIMPLIFICATION ACT OF 1980
- TITLE IX—FOREIGN CONTROL OF UNITED STATES FINANCIAL INSTITUTIONS
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Economic Policy, Assignment of Claims, and Credit
Controls
- POLICY DECLARATION IN EMPLOYMENT ACT OF 1946
- ASSIGNMENT OF CLAIMS
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AUTHORITY FOR SELECTIVE CREDIT CONTROL
- Defense Production Act of September 8, 1950
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Credit Control Act
- SECTION 201—Short Title
- SECTION 202—Definitions and Rules of Construction
- SECTION 203—Regulations
- SECTION 204—Determination of Interest Charge
- SECTION 205—Authority for Institution of Credit Controls
- SECTION 206—Extent of Control
- SECTION 207—Reports
- SECTION 208—Injunctions
- SECTION 209—Civil Penalties
- SECTION 210—Criminal Penalty
- Economic Stabilization Act of 1970
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EMERGENCY LOAN GUARANTEE ACT
- SECTION 1—Short Title
- SECTION 2—Establishment of the Board
- SECTION 3—Authority
- SECTION 4—Limitations and Conditions
- SECTION 5—Security for Loan Guarantees
- SECTION 6—Requirements Applicable to Loan Guarantees
- SECTION 7—Inspection of Documents; Authority to Disapprove Certain Transactions
- SECTION 8—Maximum Obligation
- SECTION 9—Emergency Loan Guarantee Fund
- SECTION 10—Federal Reserve Banks as Fiscal Agents
- SECTION 11—Protection of Government’s Interest
- SECTION 12—Reports
- SECTION 13—Termination
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Federal Deposit Insurance Act
- SECTION 3—Definitions
- SECTION 4—Admission of Banks to Federal Deposit Insurance
- SECTION 6—Factors to Be Considered
- SECTION 7—Assessments; Reports
- SECTION 8—Termination of Status as Insured Depository Institution
- SECTION 10—Administration of Corporation
- SECTION 13—Corporation Monies
- SECTION 18—Regulations Governing Insured Banks
- SECTION 19—Penalty for Unauthorized Participation by Convicted Individual
- SECTION 21—Retention of Records by Insured Depository Institutions
- SECTION 24—Activities of Insured State Banks
- SECTION 26—Assuring Consistent Oversight of Subsidiaries of Holding Companies
- SECTION 32—Agency Disapproval of Directors and Senior Executive Officers of Insured Depository Institutions or Depository Institution Holding Companies
- SECTION 33—Depository Institution Employee Protection Remedy
- SECTION 35—Coordination of Risk Analysis Between SEC and Federal Banking Agencies
- SECTION 36—Early Identification of Needed Improvements in Financial Management
- SECTION 37—Accounting Objectives, Standards, and Requirements
- SECTION 38—Prompt Corrective Action
- SECTION 38A—Source of Strength
- SECTION 39—Standards for Safety and Soundness
- SECTION 41—Payments on Foreign Deposits Prohibited
- SECTION 42—Notice of Branch Closure
- SECTION 44—Interstate Bank Mergers
- SECTION 45—Authority of State Insurance Regulator and Securities and Exchange Commission
- SECTION 46—Safety and Soundness Firewalls Applicable to Financial Subsidiaries of Banks
- SECTION 47—Insurance Customer Protections
- SECTION 48—CRA Sunshine Requirements
- SECTION 50—Enforcement of Agreements
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International Banking Act
- SECTION 1—Short Title; Definitions and Rules of Construction
- SECTION 3—Purpose
- SECTION 4—Federal Branches and Agencies
- SECTION 5—Interstate Banking by Foreign Banks
- SECTION 6—Insurance of Deposits
- SECTION 7—Authority of Federal Reserve System
- SECTION 8—Nonbanking Activities
- SECTION 9—Operations
- SECTION 10—Representative Offices
- SECTION 11—Cease-and-Desist Orders
- SECTION 12
- SECTION 13—Regulation and Enforcement
- SECTION 14—Report on McFadden Act
- SECTION 15—Cooperation with Foreign Supervisors
- SECTION 16—Penalties
- SECTION 17—Criminal Penalty
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Money and Credit
- LEGAL TENDER
- GOLD CLAUSES
- USE OF MONETARY GOLD STOCK OF THE UNITED STATES
- BUYING OBLIGATIONS OF THE U.S. GOVERNMENT
- CONVERSION OF FOREIGN CURRENCY INTO U.S. CURRENCY
- REDEMPTION OF CURRENCY WHEN BANK OF ISSUE NOT IDENTIFIABLE
- TRADING WITH THE ENEMY ACT
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Obligations of United States and Government Agencies
- USE OF ELIGIBLE OBLIGATIONS INSTEAD OF SURETY BONDS
- OBLIGATIONS GUARANTEED AS TO PRINCIPAL AND/OR INTEREST BY UNITED STATES
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Federal Reserve Act
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Monetary Policy and Reserve Requirements
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Regulation A: Extensions of Credit by Federal Reserve Banks
- SECTION 201.1—Authority, Purpose, and Scope
- SECTION 201.2—Definitions
- SECTION 201.3—Extensions of Credit Generally
- SECTION 201.4—Availability and Terms of Credit
- SECTION 201.5—Limitations on Availability and Assessments
- SECTION 201.51—Interest Rates Applicable to Credit Extended by a Federal Reserve Bank
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Regulation D: Reserve Requirements of Depository Institutions
- SECTION 204.1—Authority, Purpose, and Scope
- SECTION 204.2—Definitions
- SECTION 204.3—Reporting and Location
- SECTION 204.4—Computation of Required Reserves
- SECTION 204.5—Maintenance of Required Reserves
- SECTION 204.6—Charges for Deficiencies
- SECTION 204.7—Supplemental Reserve Requirement
- SECTION 204.8—International Banking Facilities
- SECTION 204.9—Emergency Reserve Requirement
- SECTION 204.10—Payment of Interest on Balances
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Regulation A: Extensions of Credit by Federal Reserve Banks
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Banks and Banking
- Regulation F: Limitations on Interbank Liabilities
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Regulation H: Membership of State Banking Institutions in the Federal Reserve System
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SUBPART A—GENERAL MEMBERSHIP AND BRANCHING REQUIREMENTS
- SECTION 208.1—Authority, Purpose, and Scope
- SECTION 208.2—Definitions
- SECTION 208.3—Application and Conditions for Membership in the Federal Reserve System
- SECTION 208.4—Capital Adequacy
- SECTION 208.5—Dividends and Other Distributions
- SECTION 208.6—Establishment and Maintenance of Branches
- SECTION 208.7—Prohibition Against Use of Interstate Branches Primarily for Deposit Production
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SUBPART B—INVESTMENTS AND LOANS
- SECTION 208.20—Authority, Purpose, and Scope
- SECTION 208.21—Investments in Premises and Securities
- SECTION 208.22—Community Development and Public-Welfare Investments
- SECTION 208.23—Agricultural Loan Loss Amortization
- SECTION 208.24—Letters of Credit and Acceptances
- SECTION 208.25—Loans in Areas Having Special Flood Hazards
- Appendix A to Section 208.25—Sample Form of Notice of Special Flood Hazards and Availability of Federal Disaster Relief Assistance
- Appendix B to Section 208.25—Sample Clause for Option to Escrow for Outstanding Loans
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SUBPART C—BANK SECURITIES AND SECURITIES-RELATED ACTIVITIES
- SECTION 208.30—Authority, Purpose, and Scope
- SECTION 208.31—State Member Banks as Transfer Agents
- SECTION 208.32—Notice of Disciplinary Sanctions Imposed by Registered Clearing Agency
- SECTION 208.33—Application for Stay or Review of Disciplinary Sanctions Imposed by Registered Clearing Agency
- SECTION 208.34—Recordkeeping and Confirmation of Certain Securities Transactions Effected by State Member Banks
- SECTION 208.35—Qualification Requirements for Transactions in Certain Securities
- SECTION 208.36—Reporting Requirements for State Member Banks Subject to the Securities Exchange Act of 1934
- SECTION 208.37—Government Securities Sales Practices
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SUBPART D—PROMPT CORRECTIVE ACTION
- SECTION 208.40—Authority, Purpose, Scope, Other Supervisory Authority, and Disclosure of Capital Categories
- SECTION 208.41—Definitions for Purposes of This Subpart
- SECTION 208.42—Notice of Capital Category
- SECTION 208.43—Capital Measures and Capital-Category Definitions
- SECTION 208.44—Capital-Restoration Plans
- SECTION 208.45—Mandatory and Discretionary Supervisory Actions under Section 38
- SUBPART E—REAL ESTATE LENDING, APPRAISAL STANDARDS, AND MINIMUM REQUIREMENTS FOR APPRAISAL MANAGEMENT COMPANIES
- SUBPART F—MISCELLANEOUS REQUIREMENTS
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SUBPART G—FINANCIAL SUBSIDIARIES OF STATE MEMBER BANKS
- SECTION 208.71—What are the requirements to invest in or control a financial subsidiary?
- SECTION 208.72—What activities may a financial subsidiary conduct?
- SECTION 208.73—What additional provisions are applicable to state member banks with financial subsidiaries?
- SECTION 208.74—What happens if the state member bank or a depository institution affiliate fails to continue to meet certain requirements?
- SECTION 208.75—What happens if the state member bank or any of its insured depository institution affiliates receives less than a satisfactory CRA rating?
- SECTION 208.76—What Federal Reserve approvals are necessary for financial subsidiaries?
- SECTION 208.77—Definitions
- SUBPART H—CONSUMER PROTECTION IN SALES OF INSURANCE
- SUBPART I—[REMOVED AND RESERVED]
- SUBPART J—INTERPRETATIONS
- SUBPART K—FORMS, INSTRUCTIONS, AND REPORTS
- APPENDIX A—[Reserved]
- APPENDIX B—[Reserved]
- APPENDIX C—Interagency Guidelines for Real Estate Lending Policies
- APPENDIX D-1—Interagency Guidelines Establishing Standards for Safety and Soundness
- APPENDIX D-2—Interagency Guidelines Establishing Information Security Standards
- APPENDIX E—[Reserved]
- APPENDIX F—[Reserved]
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SUBPART A—GENERAL MEMBERSHIP AND BRANCHING REQUIREMENTS
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Regulation I: Federal Reserve Bank Capital Stock
- SECTION 209.1—Authority, Purpose, Scope, and Definitions
- SECTION 209.2—Banks Desiring to Become Member Banks
- SECTION 209.3—Cancellation of Reserve Bank Stock; Mergers Involving Member Banks
- SECTION 209.4—Amounts and Payments for Subscriptions and Cancellations; Timing and Rate of Dividends
- SECTION 209.5—The Share Register
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Regulation K: International Banking Operations
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SUBPART A—INTERNATIONAL OPERATIONS OF U.S. BANKING ORGANIZATIONS
- SECTION 211.1—Authority, Purpose, and Scope
- SECTION 211.2—Definitions
- SECTION 211.3—Foreign Branches of U.S. Banking Organizations
- SECTION 211.4—Permissible Activities and Investments of Foreign Branches of Member Banks
- SECTION 211.5—Edge and Agreement Corporations
- SECTION 211.6—Permissible Activities of Edge and Agreement Corporations in the United States
- SECTION 211.7—Voluntary Liquidation of Edge and Agreement Corporations
- SECTION 211.8—Investments and Activities Abroad
- SECTION 211.9—Investment Procedures
- SECTION 211.10—Permissible Activities Abroad
- SECTION 211.11—Advisory Opinions Under Regulation K
- SECTION 211.12—Lending Limits and Capital Requirements
- SECTION 211.13—Supervision and Reporting
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SUBPART B—FOREIGN BANKING ORGANIZATIONS
- SECTION 211.20—Authority, Purpose, and Scope
- SECTION 211.21—Definitions
- SECTION 211.22—Interstate Banking Operations of Foreign Banking Organizations
- SECTION 211.23—Nonbanking Activities of Foreign Banking Organizations
- SECTION 211.24—Approval of Offices of Foreign Banks; Procedures for Applications; Standards for Approval; Representative-Office Activities and Standards for Approval; Preservation of Existing Authority
- SECTION 211.25—Termination of Offices of Foreign Banks
- SECTION 211.26—Examination of Offices and Affiliates of Foreign Banks
- SECTION 211.27—Disclosure of Supervisory Information to Foreign Supervisors
- SECTION 211.28—Provisions Applicable to Branches and Agencies: Limitation on Loans to One Borrower
- SECTION 211.29—Applications by State Branches and State Agencies to Conduct Activities Not Permissible for Federal Branches
- SECTION 211.30—Criteria for Evaluating the U.S. Operations of Foreign Banks Not Subject to Consolidated Supervision
- SUBPART C—EXPORT TRADING COMPANIES
- SUBPART D—INTERNATIONAL LENDING SUPERVISION
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SUBPART A—INTERNATIONAL OPERATIONS OF U.S. BANKING ORGANIZATIONS
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Regulation L: Management Official Interlocks
- SECTION 212.1—Authority, Purpose, and Scope
- SECTION 212.2—Definitions
- SECTION 212.3—Prohibitions
- SECTION 212.4—Interlocking Relationships Permitted by Statute
- SECTION 212.5—Small-Market-Share Exemption
- SECTION 212.6—General Exemption
- SECTION 212.7—Change in Circumstances
- SECTION 212.8—Enforcement
- SECTION 212.9—Effect of Interlocks Act on Clayton Act
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Regulation O: Loans to Executive Officers, Directors, and Principal Shareholders of Member Banks
- SECTION 215.1—Authority, Purpose, and Scope
- SECTION 215.2—Definitions
- SECTION 215.3—Extension of Credit
- SECTION 215.4—General Prohibitions
- SECTION 215.5—Additional Restrictions on Loans to Executive Officers of Member Banks
- SECTION 215.6—Prohibition on Knowingly Receiving Unauthorized Extension of Credit
- SECTION 215.7—Extensions of Credit Outstanding on March 10, 1979
- SECTION 215.8—Records of Member Banks
- SECTION 215.9—Disclosure of Credit from Member Banks to Executive Officers and Principal Shareholders
- SECTION 215.10—Reporting Requirement for Credit Secured by Certain Bank Stock
- SECTION 215.11—Civil Penalties
- SECTION 215.12—Application to Savings Associations
- Appendix—Section 5200 of the Revised Statutes
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Regulation Q: Capital Adequacy of Bank Holding Companies, Savings and Loan Holding Companies, and State Member Banks
- SUBPART A—GENERAL PROVISIONS
- SUBPART B—CAPITAL RATIO REQUIREMENTS AND BUFFERS
- SUBPART C—DEFINITION OF CAPITAL
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SUBPART D—RISK-WEIGHTED ASSETS—STANDARDIZED APPROACH
- SECTION 217.30—Applicability
- SECTION 217.31—Mechanics for Calculating Risk-Weighted Assets for General Credit Risk
- SECTION 217.32—General Risk Weights
- SECTION 217.33—Off-Balance Sheet Exposures
- SECTION 217.34—Derivative Contracts
- SECTION 217.35—Cleared Transactions
- SECTION 217.36—Guarantees and Credit Derivatives: Substitution Treatment
- SECTION 217.37—Collateralized Transactions
- SECTION 217.38—Unsettled Transactions
- SECTIONS 217.39–217.40—[Reserved]
- SECTION 217.41—Operational Requirements for Securitization Exposures
- SECTION 217.42—Risk-Weighted Assets for Securitization Exposures
- SECTION 217.43—Simplified Supervisory Formula Approach (SSFA) and the Gross-Up Approach
- SECTION 217.44—Securitization Exposures to Which the SSFA and Gross-Up Approach Do Not Apply
- SECTION 217.45—Recognition of Credit Risk Mitigants for Securitization Exposures
- SECTIONS 217.46–217.50—[Reserved]
- SECTION 217.51—Introduction and Exposure Measurement
- SECTION 217.52—Simple Risk-Weight Approach (SRWA)
- SECTION 217.53—Equity Exposures to Investment Funds
- SECTIONS 217.54–217.60—[Reserved]
- SECTION 217.61—Purpose and Scope
- SECTION 217.62—Disclosure Requirements
- SECTION 217.63—Disclosures by Board-Regulated Institutions Described in Section 217.61
- SECTIONS 217.64–217.99—[Reserved]
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SUBPART E—RISK-WEIGHTED ASSETS—INTERNAL RATINGS-BASED AND ADVANCED MEASUREMENT APPROACHES
- SECTION 217.100—Purpose, Applicability, and Principle of Conservatism
- SECTION 217.101—Definitions
- SECTIONS 217.102–217.120—[Reserved]
- SECTION 217.121—Qualification Process
- SECTION 217.122—Qualification Requirements
- SECTION 217.123—Ongoing Qualification
- SECTION 217.124—Merger and Acquisition Transitional Arrangements
- SECTIONS 217.125–217.130—[Reserved]
- SECTION 217.131—Mechanics for Calculating Total Wholesale and Retail Risk-Weighted Assets
- SECTION 217.132—Counterparty Credit Risk of Repo-Style Transactions, Eligible Margin Loans, and OTC Derivative Contracts
- SECTION 217.133—Cleared Transactions
- SECTION 217.134—Guarantees and Credit Derivatives: PD Substitution and LGD Adjustment Approaches
- SECTION 217.135—Guarantees and Credit Derivatives: Double Default Treatment
- SECTION 217.136—Unsettled Transactions
- SECTIONS 217.137–217.140—[Reserved]
- SECTION 217.141—Operational Criteria for Recognizing the Transfer of Risk
- SECTION 217.142—Risk-Weighted Assets for Securitization Exposures
- SECTION 217.143—Supervisory Formula Approach (SFA)
- SECTION 217.144—Simplified Supervisory Formula Approach (SSFA)
- SECTION 217.145—Recognition of Credit Risk Mitigants for Securitization Exposures
- SECTIONS 217.146–217.150—[Reserved]
- SECTION 217.151—Introduction and Exposure Measurement
- SECTION 217.152—Simple Risk Weight Approach (SRWA)
- SECTION 217.153—Internal Models Approach (IMA)
- SECTION 217.154—Equity Exposures to Investment Funds
- SECTION 217.155—Equity Derivative Contracts
- SECTIONS 217.156–217.160—[Reserved]
- SECTION 217.161—Qualification Requirements for Incorporation of Operational Risk Mitigants
- SECTION 217.162—Mechanics of Risk-Weighted Asset Calculation
- SECTIONS 217.163–217.170—[Reserved]
- SECTION 217.171—Purpose and Scope
- SECTION 217.172—Disclosure Requirements
- SECTION 217.173—Disclosures by Certain Advanced Approaches Board-Regulated Institutions and Category III Board-Regulated Institutions
- SECTIONS 217.174–217.200—[Reserved]
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SUBPART F—RISK-WEIGHTED ASSETS—MARKET RISK
- SECTION 217.201—Purpose, Applicability, and Reservation of Authority
- SECTION 217.202—Definitions
- SECTION 217.203—Requirements for Application of this Subpart F
- SECTION 217.204—Measure for Market Risk
- SECTION 217.205—VaR-Based Measure
- SECTION 217.206—Stressed VaR-Based Measure
- SECTION 217.207—Specific Risk
- SECTION 217.208—Incremental Risk
- SECTION 217.209—Comprehensive Risk
- SECTION 217.210—Standardized Measurement Method for Specific Risk
- SECTION 217.211—Simplified Supervisory Formula Approach (SSFA)
- SECTION 217.212—Market Risk Disclosures
- SECTIONS 217.213–217.299—[Reserved]
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SUBPART G—TRANSITION PROVISIONS
- SECTION 217.300—Transitions
- SECTION 217.301—Current Expected Credit Losses (CECL) Transition
- SECTION 217.302—Exposures Related to the Money Market Mutual Fund Liquidity Facility
- SECTION 217.303—Temporary Exclusions from Total Leverage Exposure
- SECTION 217.304—Temporary Changes to the Community Bank Leverage Ratio Framework
- SECTION 217.305—Exposures Related to the Paycheck Protection Program Lending Facility
- SECTION 217.306—Building Block Approach (BBA) Capital Conservation Buffer Transition
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SUBPART H—RISK-BASED CAPITAL SURCHARGE FOR GLOBAL SYSTEMICALLY IMPORTANT BANK HOLDING COMPANIES
- SECTION 217.400—Purpose and Applicability
- SECTION 217.401—Definitions
- SECTION 217.402—Identification as a Global Systemically Important BHC
- SECTION 217.403—GSIB Surcharge
- SECTION 217.404—Method 1 Score
- SECTION 217.405—Method 2 Score
- SECTION 217.406—Short-Term Wholesale Funding Score
- Appendix to Subpart H—Calibrating the GSIB Surcharge
-
SUBPART I—APPLICATION OF CAPITAL RULES
- SECTION 217.501—The Board’s Regulatory Capital Framework for Depository Institution Holding Companies Organized as Non-Stock Companies
- SECTION 217.502—Application of the Board’s Regulatory Capital Framework to Employee Stock Ownership Plans that are Depository Institution Holding Companies and Certain Trusts that are Savings and Loan Holding Companies
-
SUBPART J—RISK-BASED CAPITAL REQUIREMENTS FOR BOARD-REGULATED INSTITUTIONS SIGNIFICANTLY ENGAGED IN INSURANCE ACTIVITIES
- SECTION 217.601—Purpose, Applicability, and Reservations of Authority
- SECTION 217.602—Definitions
- SECTION 217.603—BBA Ratio and Minimum Requirements
- SECTION 217.604—Capital Conservation Buffer
- SECTION 217.605—Determination of Building Blocks
- SECTION 217.606—Scaling Parameters
- SECTION 217.607—Capital Requirements under the Building Block Approach
- SECTION 217.608—Available Capital Resources under the Building Block Approach
- APPENDIX A—The Federal Reserve Board's Framework for Implementing the Countercyclical Capital Buffer
-
Regulation R: Exceptions for Banks from the Definition of Broker in the Securities Exchange Act of 1934
- SECTION 218.100—Definition
- SECTION 218.700—Defined Terms Relating to the Networking Exception from the Definition of Broker
- SECTION 218.701—Exemption from the Definition of Broker for Certain Institutional Referrals
- SECTION 218.721—Defined Terms Relating to the Trust and Fiduciary Activities Exception from the Definition of Broker
- SECTION 218.722—Exemption Allowing Banks to Calculate Trust and Fiduciary Compensation on a Bankwide Basis
- SECTION 218.723—Exemptions for Special Accounts, Transferred Accounts, Foreign Branches and a de Minimis Number of Accounts
- SECTION 218.740—Defined Terms Relating to the Sweep Accounts Exception from the Definition of Broker
- SECTION 218.741—Exemption for Banks Effecting Transactions in Money Market Funds
- SECTION 218.760—Exemption from Definition of Broker for Banks Accepting Orders to Effect Transactions in Securities from or on Behalf of Custody Accounts
- SECTION 218.771—Exemption from the Definition of Broker for Banks Effecting Transactions in Securities Issued Pursuant to Regulation S
- SECTION 218.772—Exemption from the Definition of Broker for Banks Engaging in Securities-Lending Transactions
- SECTION 218.775—Exemption from the Definition of Broker for Banks Effecting Certain Excepted or Exempted Transactions in Investment Company Securities
- SECTION 218.776—Exemption from the Definition of Broker for Banks Effecting Certain Excepted or Exempted Transactions in a Company’s Securities for its Employee Benefit Plans
- SECTION 218.780—Exemption for Banks from Liability Under Section 29 of the Securities Exchange Act of 1934
- SECTION 218.781—Exemption from the Definition of Broker for Banks for a Limited Period of Time
-
Regulation S: Reimbursement for Providing Financial Records; Recordkeeping Requirements for Certain Financial Records
- SUBPART A—REIMBURSEMENT TO FINANCIAL INSTITUTIONS FOR PROVIDING FINANCIAL RECORDS
- SUBPART B—RECORDKEEPING AND REPORTING REQUIREMENTS FOR FUNDS TRANSFERS AND TRANSMITTALS OF FUNDS
-
Regulation W: Transactions Between Member Banks and Their Affiliates
- SUBPART A—INTRODUCTION AND DEFINITIONS
-
SUBPART B—GENERAL PROVISIONS OF SECTION 23A
- SECTION 223.11—What is the maximum amount of covered transactions that a member bank may enter into with any single affiliate?
- SECTION 223.12—What is the maximum amount of covered transactions that a member bank may enter into with all affiliates?
- SECTION 223.13—What safety-and-soundness requirement applies to covered transactions?
- SECTION 223.14—What are the collateral requirements for a credit transaction with an affiliate?
- SECTION 223.15—May a member bank purchase a low-quality asset from an affiliate?
- SECTION 223.16—What transactions by a member bank with any person are treated as transactions with an affiliate?
-
SUBPART C—VALUATION AND TIMING PRINCIPLES UNDER SECTION 23A
- SECTION 223.21—What valuation and timing principles apply to credit transactions?
- SECTION 223.22—What valuation and timing principles apply to asset purchases?
- SECTION 223.23—What valuation and timing principles apply to purchases of and investments in securities issued by an affiliate?
- SECTION 223.24—What valuation principles apply to extensions of credit secured by affiliate securities?
-
SUBPART D—OTHER REQUIREMENTS UNDER SECTION 23A
- SECTION 223.31—How does section 23A apply to a member bank’s acquisition of an affiliate that becomes an operating subsidiary of the member bank after the acquisition?
- SECTION 223.32—What rules apply to financial subsidiaries of a member bank?
- SECTION 223.33—What rules apply to derivative transactions?
-
SUBPART E—EXEMPTIONS FROM THE PROVISIONS OF SECTION 23A
- SECTION 223.41—What covered transactions are exempt from the quantitative limits and collateral requirements?
- SECTION 223.42—What covered transactions are exempt from the quantitative limits, collateral requirements, and low-quality-asset prohibition?
- SECTION 223.43—What are the standards under which the Board may grant additional exemptions from the requirements of section 23A?
-
SUBPART F—GENERAL PROVISIONS OF SECTION 23B
- SECTION 223.51—What is the market-terms requirement of section 23B?
- SECTION 223.52—What transactions with affiliates or others must comply with section 23B’s market-terms requirement?
- SECTION 223.53—What asset purchases are prohibited by section 23B?
- SECTION 223.54—What advertisements and statements are prohibited by section 23B?
- SECTION 223.55—What are the standards under which the Board may grant exemptions from the requirements of section 23B?
- SECTION 223.56—What transactions are exempt from the market-terms requirement of section 23B?
- SUBPART G—APPLICATION OF SECTIONS 23A AND 23B TO U.S. BRANCHES AND AGENCIES OF FOREIGN BANKS
- SUBPART H—MISCELLANEOUS INTERPRETATIONS
- SUBPART I—SAVINGS ASSOCIATIONS—TRANSACTIONS WITH AFFILIATES
-
Regulation KK: Swaps Margin and Swaps Push-Out
-
SUBPART A—MARGIN AND CAPITAL REQUIREMENTS FOR COVERED SWAP ENTITIES
- SECTION 237.1—Authority, Purpose, Scope, Exemptions, and Compliance Dates
- SECTION 237.2—Definitions
- SECTION 237.3—Initial Margin
- SECTION 237.4—Variation Margin
- SECTION 237.5—Netting Arrangements, Minimum Transfer Amount, and Satisfaction of Collecting and Posting Requirements
- SECTION 237.6—Eligible Collateral
- SECTION 237.7—Segregation of Collateral
- SECTION 237.8—Initial Margin Models and Standardized Amounts
- SECTION 237.9—Cross-Border Application of Margin Requirements
- SECTION 237.10—Documentation of Margin Matters
- SECTION 237.11—Special Rules for Affiliates
- SECTION 237.12—Capital
- APPENDIX A TO SUBPART A—Standardized Minimum Initial Margin Requirements for Non-Cleared Swaps and Non-Cleared Security-Based Swaps
- APPENDIX B TO SUBPART A—Margin Values for Eligible Noncash Margin Collateral
- SUBPART B—PROHIBITION AGAINST FEDERAL ASSISTANCE TO SWAPS ENTITIES
-
SUBPART A—MARGIN AND CAPITAL REQUIREMENTS FOR COVERED SWAP ENTITIES
-
Regulation NN: Retail Foreign Exchange Transactions
- SECTION 240.1—Authority, Purpose, and Scope
- SECTION 240.2—Definitions
- SECTION 240.3—Prohibited Transactions
- SECTION 240.4—Notification
- SECTION 240.5—Application and Closing Out of Offsetting Long and Short Positions
- SECTION 240.6—Disclosure
- SECTION 240.7—Recordkeeping
- SECTION 240.8—Capital Requirements
- SECTION 240.9—Margin Requirements
- SECTION 240.10—Required Reporting to Customers
- SECTION 240.11—Unlawful Representations
- SECTION 240.12—Authorization to Trade
- SECTION 240.13—Trading and Operational Standards
- SECTION 240.14—Supervision
- SECTION 240.15—Notice of Transfers
- SECTION 240.16—Customer Dispute Resolution
- SECTION 240.17—Reservation of Authority
-
Regulation VV: Proprietary Trading and Certain Interests in and Relationships with Covered Funds
- SUBPART A—AUTHORITY AND DEFINITIONS
-
SUBPART B—PROPRIETARY TRADING
- SECTION 248.3—Prohibition on Proprietary Trading
- SECTION 248.4—Permitted Underwriting and Market Making-Related Activities
- SECTION 248.5—Permitted Risk-Mitigating Hedging Activities
- SECTION 248.6—Other Permitted Proprietary Trading Activities
- SECTION 248.7—Limitations on Permitted Proprietary Trading Activities
- SECTION 248.8—[Reserved]
- SECTION 248.9—[Reserved]
-
SUBPART C—COVERED FUND ACTIVITIES AND INVESTMENTS
- SECTION 248.10—Prohibition on Acquiring or Retaining an Ownership Interest in and Having Certain Relationships with a Covered Fund
- SECTION 248.11—Permitted Organizing and Offering, Underwriting, and Market Making with Respect to a Covered Fund
- SECTION 248.12—Permitted Investment in a Covered Fund
- SECTION 248.13—Other Permitted Covered Fund Activities and Investments
- SECTION 248.14—Limitations on Relationships with a Covered Fund
- SECTION 248.15—Other Limitations on Permitted Covered Fund Activities and Investments
- SECTION 248.16—Ownership of Interests in and Sponsorship of Issuers of Certain Collateralized Debt Obligations Backed by Trust-Preferred Securities
- SECTION 248.17—[Reserved]
- SECTION 248.18—[Reserved]
- SECTION 248.19—[Reserved]
- SUBPART D—COMPLIANCE PROGRAM REQUIREMENT; VIOLATIONS
- APPENDIX A—Reporting and Recordkeeping Requirements for Covered Trading Activities
-
Regulation WW: Liquidity Risk Measurement, Standards, and Monitoring
- SUBPART A—GENERAL PROVISIONS
- SUBPART B—LIQUIDITY COVERAGE RATIO
- SUBPART C—HIGH-QUALITY LIQUID ASSETS
- SUBPART D—TOTAL NET CASH OUTFLOW
- SUBPART E—LIQUIDITY COVERAGE SHORTFALL
- SUBPART F—TRANSITIONS
- SUBPARTS G–I [RESERVED]
- SUBPART J—DISCLOSURES
-
SUBPART K—NET STABLE FUNDING RATIO
- SECTION 249.100—Net Stable Funding Ratio
- SECTION 249.101—Determining Maturity
- SECTION 249.102—Rules of Construction
- SECTION 249.103—Calculation of Available Stable Funding Amount
- SECTION 249.104—ASF Factors
- SECTION 249.105—Calculation of Required Stable Funding Amount
- SECTION 249.106—RSF Factors
- SECTION 249.107—Calculation of NSFR Derivatives Amounts
- SECTION 249.108—Funding Related to Covered Federal Reserve Facility Funding
- SECTION 249.109—Rules for Consolidation
- SUBPART L—NET STABLE FUNDING SHORTFALL
- SUBPART M—TRANSITIONS
- SUBPART N—NSFR PUBLIC DISCLOSURE
-
Regulation ZZ: Regulations Implementing the Adjustable Interest Rate (LIBOR) Act
- SECTION 253.1—Authority, Purpose, and Scope
- SECTION 253.2—Definitions
- SECTION 253.3—Applicability
- SECTION 253.4—Board-Selected Benchmark Replacements
- SECTION 253.5—Benchmark Replacement Conforming Changes
- SECTION 253.6—Preemption
- SECTION 253.7—Continuity of Contract and Safe Harbor
- APPENDIX A—ISDA Protocol
-
Department of the Treasury,
Financial Crimes Enforcement Network
- PARTS 1000–1009 [RESERVED]
-
PART 1010—GENERAL PROVISIONS
- SUBPART A—GENERAL DEFINITIONS
-
SUBPART B—PROGRAMS
- SECTION 1010.200—General
- SECTION 1010.205—Exempted Anti-Money Laundering Programs for Certain Financial Institutions
- SECTION 1010.210—Anti-Money Laundering Programs
- SECTION 1010.220—Customer Identification Program Requirements
- SECTION 1010.230—Beneficial Ownership Requirements for Legal Entity Customers
- Appendix A to Section 1010.230—Certification Regarding Beneficial Owners of Legal Entity Customers
-
SUBPART C—REPORTS REQUIRED TO BE MADE
- SECTION 1010.300—General
- SECTION 1010.301—Determination by the Secretary
- SECTION 1010.305—[Reserved]
- SECTION 1010.306—Filing of Reports
- SECTION 1010.310—Reports of Transactions in Currency
- SECTION 1010.311—Filing Obligations for Reports of Transactions in Currency
- SECTION 1010.312—Identification Required
- SECTION 1010.313—Aggregation
- SECTION 1010.314—Structured Transactions
- SECTION 1010.315—Exemptions for Non-Bank Financial Institutions
- SECTION 1010.320—Reports of Suspicious Transactions
- SECTION 1010.330—Reports Relating to Currency in Excess of $10,000 Received in a Trade or Business
- SECTION 1010.331—Reports Relating to Currency in Excess of $10,000 Received as Bail by Court Clerks
- SECTION 1010.340—Reports of Transportation of Currency or Monetary Instruments
- SECTION 1010.350—Reports of Foreign Financial Accounts
- SECTION 1010.360—Reports of Transactions with Foreign Financial Agencies
- SECTION 1010.370—Reports of Certain Domestic Transactions
- SECTION 1010.380—Reports of Beneficial Ownership Information
-
SUBPART D—RECORDS REQUIRED TO BE MAINTAINED
- SECTION 1010.400—General
- SECTION 1010.401—Determination by the Secretary
- SECTION 1010.405—[Reserved]
- SECTION 1010.410—Records to Be Made and Retained by Financial Institutions
- SECTION 1010.415—Purchases of Bank Checks and Drafts, Cashier’s Checks, Money Orders and Traveler’s Checks
- SECTION 1010.420—Records to Be Made and Retained by Persons Having Financial Interests in Foreign Financial Accounts
- SECTION 1010.430—Nature of Records and Retention Period
- SECTION 1010.440—Person Outside the United States
- SUBPART E—SPECIAL INFORMATION SHARING PROCEDURES TO DETER MONEY LAUNDERING AND TERRORIST ACTIVITY
-
SUBPART F—SPECIAL STANDARDS OF DILIGENCE; PROHIBITIONS; AND SPECIAL MEASURES
- SECTION 1010.600—General
- SECTION 1010.605—Definitions
- SECTION 1010.610—Due Diligence Programs for Correspondent Accounts for Foreign Financial Institutions
- SECTION 1010.620—Due Diligence Programs for Private Banking Accounts
- SECTION 1010.630—Prohibition on Correspondent Accounts for Foreign Shell Banks; Records Concerning Owners of Foreign Banks and Agents for Service of Legal Process
- SECTION 1010.640—[Reserved]
- SECTION 1010.651—Special Measures Against Burma
- SECTION 1010.653—Special Measures Against Commercial Bank of Syria
- SECTION 1010.658—Special Measures Against FBME Bank, Ltd.
- SECTION 1010.659—Special Measures Against North Korea
- SECTION 1010.660—Special Measures Against Bank of Dandong
- SECTION 1010.661—Special Measures Against Iran
- SECTION 1010.663—Special Measures Regarding Al-Huda Bank
- SECTION 1010.664—Special Measures Regarding Huione Group
- SECTION 1010.670—Summons or Subpoena of Foreign Bank Records; Termination of Correspondent Relationship
- SUBPART G—ADMINISTRATIVE RULINGS
-
SUBPART H—ENFORCEMENT; PENALTIES; AND FORFEITURE
- SECTION 1010.810—Enforcement
- SECTION 1010.820—Civil Penalty
- SECTION 1010.821—Penalty Adjustment and Table
- SECTION 1010.830—Forfeiture of Currency or Monetary Instruments
- SECTION 1010.840—Criminal Penalty
- SECTION 1010.850—Enforcement Authority with Respect to Transportation of Currency or Monetary Instruments
- SUBPART I—SUMMONS
-
SUBPART J—MISCELLANEOUS
- SECTION 1010.920—Access to Records
- SECTION 1010.930—Rewards for Informants
- SECTION 1010.940—Photographic or Other Reproductions of Government Obligations
- SECTION 1010.950—Availability of Information—General
- SECTION 1010.955—Availability of Beneficial Ownership Information Reported under This Part
- SECTION 1010.960—Disclosure
- SECTION 1010.970—Exceptions, Exemptions, and Reports
- SECTION 1010.980—Dollars as Including Foreign Currency
- PARTS 1011–1019 [RESERVED]
-
PART 1020—RULES FOR BANKS
- SUBPART A—DEFINITIONS
- SUBPART B—PROGRAMS
-
SUBPART C—REPORTS REQUIRED TO BE MADE BY BANKS
- SECTION 1020.300—General
- SECTION 1020.310—Reports of Transactions in Currency
- SECTION 1020.311—Filing Obligations
- SECTION 1020.312—Identification Required
- SECTION 1020.313—Aggregation
- SECTION 1020.314—Structured Transactions
- SECTION 1020.315—Transactions of Exempt Persons
- SECTION 1020.320—Reports by Banks of Suspicious Transactions
- SUBPART D—RECORDS REQUIRED TO BE MAINTAINED BY BANKS
- SUBPART E—SPECIAL INFORMATION SHARING PROCEDURES TO DETER MONEY LAUNDERING AND TERRORIST ACTIVITY
-
SUBPART F—SPECIAL STANDARDS OF DILIGENCE; PROHIBITIONS; AND SPECIAL MEASURES
- SECTION 1020.600—General
- SECTION 1020.610—Due Diligence Programs for Correspondent Accounts for Foreign Financial Institutions
- SECTION 1020.620—Due Diligence Programs for Private Banking Accounts
- SECTION 1020.630—Prohibition on Correspondent Accounts for Foreign Shell Banks; Records Concerning Owners of Foreign Banks and Agents for Service of Legal Process
- SECTION 1020.640—[Reserved]
- SECTION 1020.670—Summons or Subpoena of Foreign Bank Records; Termination of Correspondent Relationship
-
PART 1021—RULES FOR CASINOS AND CARD CLUBS
- SUBPART A—DEFINITIONS
- SUBPART B—PROGRAMS
-
SUBPART C—REPORTS REQUIRED TO BE MADE BY CASINOS AND CARD CLUBS
- SECTION 1021.300—General
- SECTION 1021.310—Reports of Transactions in Currency
- SECTION 1021.311—Filing Obligations
- SECTION 1021.312—Identification Required
- SECTION 1021.313—Aggregation
- SECTION 1021.314—Structured Transactions
- SECTION 1021.315—Exemptions
- SECTION 1021.320—Reports by Casinos of Suspicious Transactions
- SECTION 1021.330—Exceptions to the Reporting Requirements of 31 U.S.C. 5331
- SUBPART D—RECORDS REQUIRED TO BE MAINTAINED BY CASINOS AND CARD CLUBS
- SUBPART E—SPECIAL INFORMATION SHARING PROCEDURES TO DETER MONEY LAUNDERING AND TERRORIST ACTIVITY FOR CASINOS AND CARD CLUBS
-
SUBPART F—SPECIAL STANDARDS OF DILIGENCE; PROHIBITIONS; AND SPECIAL MEASURES FOR CASINOS AND CARD CLUBS
- SECTION 1021.600—General
- SECTION 1021.610—Due Diligence Programs for Correspondent Accounts for Foreign Financial Institutions
- SECTION 1021.620—Due Diligence Programs for Private Banking Accounts
- SECTION 1021.630—Prohibition on Correspondent Accounts for Foreign Shell Banks; Records Concerning Owners of Foreign Banks and Agents for Service of Legal Process
- SECTION 1021.640—[Reserved]
- SECTION 1021.670—Summons or Subpoena of Foreign Bank Records; Termination of Correspondent Relationship
-
PART 1022—RULES FOR MONEY SERVICES BUSINESSES
- SUBPART A—DEFINITIONS
- SUBPART B—PROGRAMS
-
SUBPART C—REPORTS REQUIRED TO BE MADE BY MONEY SERVICES BUSINESSES
- SECTION 1022.300—General
- SECTION 1022.310—Reports of Transactions in Currency
- SECTION 1022.311—Filing Obligations
- SECTION 1022.312—Identification Required
- SECTION 1022.313—Aggregation
- SECTION 1022.314—Structured Transactions
- SECTION 1022.315—Exemptions
- SECTION 1022.320—Reports by Money Services Businesses of Suspicious Transactions
- SECTION 1022.380—Registration of Money Services Businesses
- SUBPART D—RECORDS REQUIRED TO BE MAINTAINED BY MONEY SERVICES BUSINESSES
- SUBPART E—SPECIAL INFORMATION SHARING PROCEDURES TO DETER MONEY LAUNDERING AND TERRORIST ACTIVITY
- SUBPART F—SPECIAL STANDARDS OF DILIGENCE; PROHIBITIONS; AND SPECIAL MEASURES FOR MONEY SERVICES BUSINESSES
-
PART 1023—RULES FOR BROKERS OR DEALERS IN SECURITIES
- SUBPART A—DEFINITIONS
- SUBPART B—PROGRAMS
-
SUBPART C—REPORTS REQUIRED TO BE MADE BY BROKERS OR DEALERS IN SECURITIES
- SECTION 1023.300—General
- SECTION 1023.310—Reports of Transactions in Currency
- SECTION 1023.311—Filing Obligations
- SECTION 1023.312—Identification Required
- SECTION 1023.313—Aggregation
- SECTION 1023.314—Structured Transactions
- SECTION 1023.315—Exemptions
- SECTION 1023.320—Reports by Brokers or Dealers in Securities of Suspicious Transactions
- SUBPART D—RECORDS REQUIRED TO BE MAINTAINED BY BROKERS OR DEALERS IN SECURITIES
- SUBPART E—SPECIAL INFORMATION SHARING PROCEDURES TO DETER MONEY LAUNDERING AND TERRORIST ACTIVITY
-
SUBPART F—SPECIAL STANDARDS OF DILIGENCE; PROHIBITIONS; AND SPECIAL MEASURES FOR BROKERS OR DEALERS IN SECURITIES
- SECTION 1023.600—General
- SECTION 1023.610—Due Diligence Programs for Correspondent Accounts for Foreign Financial Institutions
- SECTION 1023.620—Due Diligence Programs for Private Banking Accounts
- SECTION 1023.630—Prohibition on Correspondent Accounts for Foreign Shell Banks; Records Concerning Owners of Foreign Banks and Agents for Service of Legal Process
- SECTION 1023.640—[Reserved]
- SECTION 1023.670—Summons or Subpoena of Foreign Bank Account Records; Termination of Correspondent Relationship
-
PART 1024—RULES FOR MUTUAL FUNDS
- SUBPART A—DEFINITIONS
- SUBPART B—PROGRAMS
-
SUBPART C—REPORTS REQUIRED TO BE MADE BY MUTUAL FUNDS
- SECTION 1024.300—General
- SECTION 1024.310—Reports of Transactions in Currency
- SECTION 1024.311—Filing Obligations
- SECTION 1024.312—Identification Required
- SECTION 1024.313—Aggregation
- SECTION 1024.314—Structured Transactions
- SECTION 1024.315—Exemptions
- SECTION 1024.320—Reports by Mutual Funds of Suspicious Transactions
- SUBPART D—RECORDS REQUIRED TO BE MAINTAINED BY MUTUAL FUNDS
- SUBPART E—SPECIAL INFORMATION SHARING PROCEDURES TO DETER MONEY LAUNDERING AND TERRORIST ACTIVITY
-
SUBPART F—SPECIAL STANDARDS OF DILIGENCE; PROHIBITIONS; AND SPECIAL MEASURES FOR MUTUAL FUNDS
- SECTION 1024.600—General
- SECTION 1024.610—Due Diligence Programs for Correspondent Accounts for Foreign Financial Institution
- SECTION 1024.620—Due Diligence Programs for Private Banking Accounts
- SECTION 1024.630—Prohibition on Correspondent Accounts for Foreign Shell Banks; Records Concerning Owners of Foreign Banks and Agents for Service of Legal Process
- SECTION 1024.640—[Reserved]
- SECTION 1024.670—[Reserved]
-
PART 1025—RULES FOR INSURANCE COMPANIES
- SUBPART A—DEFINITIONS
- SUBPART B—PROGRAMS
- SUBPART C—REPORTS REQUIRED TO BE MADE BY INSURANCE COMPANIES
- SUBPART D—RECORDS REQUIRED TO BE MAINTAINED BY INSURANCE COMPANIES
- SUBPART E—SPECIAL INFORMATION SHARING PROCEDURES TO DETER MONEY LAUNDERING AND TERRORIST ACTIVITY
- SUBPART F—SPECIAL STANDARDS OF DILIGENCE; PROHIBITIONS; AND SPECIAL MEASURES FOR INSURANCE COMPANIES
-
PART 1026—RULES FOR FUTURES COMMISSION MERCHANTS AND INTRODUCING BROKERS IN COMMODITIES
- SUBPART A—DEFINITIONS
- SUBPART B—PROGRAMS
-
SUBPART C—REPORTS REQUIRED TO BE MADE BY FUTURES COMMISSION MERCHANTS AND INTRODUCING BROKERS IN COMMODITIES
- SECTION 1026.300—General
- SECTION 1026.310—Reports of Transactions in Currency
- SECTION 1026.311—Filing Obligations
- SECTION 1026.312—Identification Required
- SECTION 1026.313—Aggregation
- SECTION 1026.314—Structured Transactions
- SECTION 1026.315—Exemptions
- SECTION 1026.320—Reports by Futures Commission Merchants and Introducing Brokers in Commodities of Suspicious Transactions
- SUBPART D—RECORDS REQUIRED TO BE MAINTAINED BY FUTURES COMMISSION MERCHANTS AND INTRODUCING BROKERS IN COMMODITIES
-
SUBPART E—SPECIAL INFORMATION SHARING PROCEDURES TO DETER MONEY LAUNDERING AND TERRORIST ACTIVITY
- SECTION 1026.500—General
- SECTION 1026.520—Special Information Sharing Procedures to Deter Money Laundering and Terrorist Activity for Futures Commission Merchants and Introducing Brokers in Commodities
- SECTION 1026.530—[Reserved]
- SECTION 1026.540—Voluntary Information Sharing Among Financial Institutions
-
SUBPART F—SPECIAL STANDARDS OF DILIGENCE; PROHIBITIONS; AND SPECIAL MEASURES FOR FUTURES COMMISSION MERCHANTS AND INTRODUCING BROKERS IN COMMODITIES
- SECTION 1026.600—General
- SECTION 1026.610—Due Diligence Programs for Correspondent Accounts for Foreign Financial Institutions
- SECTION 1026.620—Due Diligence Programs for Private Banking Accounts
- SECTION 1026.630—Prohibition on Correspondent Accounts for Foreign Shell Banks; Records Concerning Owners of Foreign Banks and Agents for Service of Legal Process
- SECTION 1026.640—[Reserved]
- SECTION 1026.670—Summons or Subpoena of Foreign Bank Records; Termination of Correspondent Relationship
-
PART 1027—RULES FOR DEALERS IN PRECIOUS METALS, PRECIOUS STONES, OR JEWELS
- SUBPART A—DEFINITIONS
- SUBPART B—PROGRAMS
- SUBPART C—REPORTS REQUIRED TO BE MADE BY DEALERS IN PRECIOUS METALS, PRECIOUS STONES, OR JEWELS
- SUBPART D—RECORDS REQUIRED TO BE MAINTAINED BY DEALERS IN PRECIOUS METALS, PRECIOUS STONES, OR JEWELS
- SUBPART E—SPECIAL INFORMATION SHARING PROCEDURES TO DETER MONEY LAUNDERING AND TERRORIST ACTIVITY
- SUBPART F—SPECIAL STANDARDS OF DILIGENCE; PROHIBITIONS; AND SPECIAL MEASURES FOR DEALERS IN PRECIOUS METALS, PRECIOUS STONES, OR JEWELS
-
PART 1028—RULES FOR OPERATORS OF CREDIT CARD SYSTEMS
- SUBPART A—DEFINITIONS
- SUBPART B—PROGRAMS
- SUBPART C—REPORTS REQUIRED TO BE MADE BY OPERATORS OF CREDIT CARD SYSTEMS
- SUBPART D—RECORDS REQUIRED TO BE MAINTAINED BY OPERATORS OF CREDIT CARD SYSTEMS
- SUBPART E—SPECIAL INFORMATION SHARING PROCEDURES TO DETER MONEY LAUNDERING AND TERRORIST ACTIVITY
- SUBPART F—SPECIAL STANDARDS OF DILIGENCE; PROHIBITIONS; AND SPECIAL MEASURES FOR OPERATORS OF CREDIT CARD SYSTEMS
-
PART 1029—RULES FOR LOAN OR FINANCE COMPANIES
- SUBPART A—DEFINITIONS
- SUBPART B—PROGRAMS
- SUBPART C—REPORTS REQUIRED TO BE MADE BY LOAN OR FINANCE COMPANIES
- SUBPART D—RECORDS REQUIRED TO BE MAINTAINED BY LOAN OR FINANCE COMPANIES
- SUBPART E—SPECIAL INFORMATION SHARING PROCEDURES TO DETER MONEY LAUNDERING AND TERRORIST ACTIVITY
- SUBPART F—SPECIAL STANDARDS OF DILIGENCE; PROHIBITIONS, AND SPECIAL MEASURES FOR LOAN OR FINANCE COMPANIES
-
PART 1030—RULES FOR HOUSING GOVERNMENT SPONSORED ENTERPRISES
- SUBPART A—DEFINITIONS
- SUBPART B—PROGRAMS
- SUBPART C—REPORTS REQUIRED TO BE MADE BY HOUSING GOVERNMENT SPONSORED ENTERPRISES
- SUBPART D—RECORDS REQUIRED TO BE MAINTAINED BY HOUSING GOVERNMENT SPONSORED ENTERPRISES
- SUBPART E—SPECIAL INFORMATION SHARING PROCEDURES TO DETER MONEY LAUNDERING AND TERRORIST ACTIVITY
- SUBPART F—SPECIAL STANDARDS OF DILIGENCE; PROHIBITIONS, AND SPECIAL MEASURES FOR HOUSING GOVERNMENT SPONSORED ENTERPRISESSECTIONS 1030.600–1030.670—[Reserved]
-
PART 1031—RULES FOR PERSONS INVOLVED IN REAL ESTATE CLOSINGS AND SETTLEMENTS
- SUBPARTS A AND B—[RESERVED]
- SUBPART C—REPORTS REQUIRED TO BE MADE BY PERSONS INVOLVED IN REAL ESTATE CLOSINGS AND SETTLEMENTS
- PARTS 1032–1059 [RESERVED]
-
PART 1060—PROVISIONS RELATING TO THE COMPREHENSIVE IRAN SANCTIONS, ACCOUNTABILITY, AND DIVESTMENT ACT OF 2010
- SECTION 1060.100—[Reserved]
- SECTION 1060.200—[Reserved]
- SECTION 1060.300—Reporting Obligations on Foreign Bank Relationships with Iranian-Linked Financial Institutions Designated Under IEEPA and IRGC-Linked Persons Designated Under IEEPA
- SECTION 1060.400—[Reserved]
- SECTION 1060.500—[Reserved]
- SECTION 1060.600—[Reserved]
- SECTION 1060.700—[Reserved]
- SECTION 1060.800—Penalties
- PARTS 1061–1099 [RESERVED]
-
Holding and Nonbank Financial Companies
-
Regulation Y: Bank Holding Companies and Change in Bank Control
-
SUBPART A—GENERAL PROVISIONS
- SECTION 225.1—Authority, Purpose, and Scope
- SECTION 225.2—Definitions
- SECTION 225.3—Administration
- SECTION 225.4—Corporate Practices
- SECTION 225.5—Registration, Reports, and Inspections
- SECTION 225.6—Penalties for Violations
- SECTION 225.7—Exceptions to Tying Restrictions
- SECTION 225.8—Capital Planning and Stress Capital Buffer Requirement
- SECTION 225.9—Control over Securities
- SECTION 225.10—Temporary Relief for 2020 and 2021
-
SUBPART B—ACQUISITION OF BANK SECURITIES OR ASSETS
- SECTION 225.11—Transactions Requiring Board Approval
- SECTION 225.12—Transactions Not Requiring Board Approval
- SECTION 225.13—Factors Considered in Acting on Bank Acquisition Proposals
- SECTION 225.14—Expedited Action for Certain Bank Acquisitions by Well-Run Bank Holding Companies
- SECTION 225.15—Procedures for Other Bank Acquisition Proposals
- SECTION 225.16—Public Notice, Comments, Hearings, and Other Provisions Governing Applications and Notices
- SECTION 225.17—Notice Procedure for One-Bank Holding Company Formations
-
SUBPART C—NONBANKING ACTIVITIES AND ACQUISITIONS BY BANK HOLDING COMPANIES
- SECTION 225.21—Prohibited Nonbanking Activities and Acquisitions; Exempt Bank Holding Companies
- SECTION 225.22—Exempt Nonbanking Activities and Acquisitions
- SECTION 225.23—Expedited Action for Certain Nonbanking Proposals by Well-Run Bank Holding Companies
- SECTION 225.24—Procedures for Other Nonbanking Proposals
- SECTION 225.25—Hearings, Alteration of Activities, and Other Matters
- SECTION 225.26—Factors Considered in Acting on Nonbanking Proposals
- SECTION 225.27—Procedures for Determining Scope of Nonbanking Activities
- SECTION 225.28—List of Permissible Nonbanking Activities
- SUBPART D—CONTROL AND DIVESTITURE PROCEEDINGS
- SUBPART E—CHANGE IN BANK CONTROL
- SUBPART F—LIMITATIONS ON NONBANK BANKS
-
SUBPART G—APPRAISAL STANDARDS FOR FEDERALLY RELATED TRANSACTIONS
- SECTION 225.61—Authority, Purpose, and Scope
- SECTION 225.62—Definitions
- SECTION 225.63—Appraisals Required; Transactions Requiring a State-Certified or -Licensed Appraiser
- SECTION 225.64—Minimum Appraisal Standards
- SECTION 225.65—Appraiser Independence
- SECTION 225.66—Professional Association Membership; Competency
- SECTION 225.67—Enforcement
- SUBPART H—NOTICE OF ADDITION OR CHANGE OF DIRECTORS AND SENIOR EXECUTIVE OFFICERS
-
SUBPART I—FINANCIAL HOLDING COMPANIES
- SECTION 225.81—What is a financial holding company?
- SECTION 225.82—How does a bank holding company elect to become a financial holding company?
- SECTION 225.83—What are the consequences of failing to continue to meet applicable capital and management requirements?
- SECTION 225.84—What are the consequences of failing to maintain a satisfactory or better rating under the Community Reinvestment Act at all insured depository institution subsidiaries?
- SECTION 225.85—Is notice to or approval from the Board required prior to engaging in a financial activity?
- SECTION 225.86—What activities are permissible for any financial holding company?
- SECTION 225.87—Is notice to the Board required after engaging in a financial activity?
- SECTION 225.88—How to request the Board to determine that an activity is financial in nature or incidental to a financial activity
- SECTION 225.89—How to request approval to engage in an activity that is complementary to a financial activity
- SECTION 225.90—What are the requirements for a foreign bank to be treated as a financial holding company?
- SECTION 225.91—How may a foreign bank elect to be treated as a financial holding company?
- SECTION 225.92—How does an election by a foreign bank become effective?
- SECTION 225.93—What are the consequences of a foreign bank failing to continue to meet applicable capital and management requirements?
- SECTION 225.94—What are the consequences of an insured branch or depository institution failing to maintain a satisfactory or better rating under the Community Reinvestment Act?
-
SUBPART J—MERCHANT BANKING INVESTMENTS
- SECTION 225.170—What type of investments are permitted by this subpart, and under what conditions may they be made?
- SECTION 225.171—What are the limitations on managing or operating a portfolio company held as a merchant banking investment?
- SECTION 225.172—What are the holding periods permitted for merchant banking investments?
- SECTION 225.173—How are investments in private equity funds treated under this subpart?
- SECTION 225.174—What aggregate thresholds apply to merchant banking investments?
- SECTION 225.175—What risk management, record keeping and reporting policies are required to make merchant banking investments?
- SECTION 225.176—How do the statutory cross-marketing and section 23A and 23B limitations apply to merchant banking investments?
- SECTION 225.177—Definitions
-
SUBPART K—PROPRIETARY TRADING AND RELATIONSHIPS WITH HEDGE FUNDS AND PRIVATE EQUITY FUNDS
- SECTION 225.180—Definitions
- SECTION 225.181—Conformance Period for Banking Entities Engaged in Prohibited Proprietary Trading or Private Fund Activities
- SECTION 225.182—Conformance Period for Nonbank Financial Companies Supervised by the Board Engaged in Proprietary Trading or Private Fund Activities
- SUBPART L—CONDITIONS TO ORDERS
-
SUBPART M—MINIMUM REQUIREMENTS FOR APPRAISAL MANAGEMENT COMPANIES
- SECTION 225.190—Authority, Purpose, and Scope
- SECTION 225.191—Definitions
- SECTION 225.192—Appraiser Panel—Annual Size Calculation
- SECTION 225.193—Appraisal Management Company Registration
- SECTION 225.194—Ownership Limitations for State-Registered Appraisal Management Companies
- SECTION 225.195—Requirements for Federally Regulated Appraisal Management Companies
- SECTION 225.196—Information to Be Presented to the Appraisal Subcommittee by Participating States
- SUBPART N—COMPUTER-SECURITY INCIDENT NOTIFICATION
- SUBPART O—QUALITY CONTROL STANDARDS FOR AUTOMATED VALUATION MODELS USED FOR MORTGAGE LENDING PURPOSES
- APPENDIX A—Capital Adequacy Guidelines for Bank Holding Companies: Risk-Based Measure
- APPENDIX B—[Reserved]
- APPENDIX C—Small Bank Holding Company Policy Statement
- APPENDIX D—[Reserved]
- APPENDIX E—[Reserved]
- APPENDIX F—Interagency Guidelines Establishing Information Security Standards
- APPENDIX G—[Reserved]
-
SUBPART A—GENERAL PROVISIONS
-
Regulation LL: Savings and Loan Holding Companies
-
SUBPART A—GENERAL PROVISIONS
- SECTION 238.1—Authority, Purpose, and Scope
- SECTION 238.2—Definitions
- SECTION 238.3—Administration
- SECTION 238.4—Records, Reports, and Inspections
- SECTION 238.5—Audit of Savings Association Holding Companies
- SECTION 238.6—Penalties for Violations
- SECTION 238.7—Tying Restriction Exception
- SECTION 238.8—Safe and Sound Operations, and Small Bank Holding Company Policy Statement
- SECTION 238.9—Control over Securities
- SECTION 238.10—Categorization of Banking Organizations
- SUBPART B—ACQUISITIONS OF SAVINGS ASSOCIATION SECURITIES OR ASSETS
- SUBPART C—CONTROL PROCEEDINGS
- SUBPART D—CHANGE IN BANK CONTROL
- SUBPART E—QUALIFIED STOCK ISSUANCES
-
SUBPART F—SAVINGS AND LOAN HOLDING COMPANY ACTIVITIES AND ACQUISITIONS
- SECTION 238.51—Prohibited Activities
- SECTION 238.52—Exempt Savings and Loan Holding Companies and Grandfathered Activities
- SECTION 238.53—Prescribed Services and Activities of Savings and Loan Holding Companies
- SECTION 238.54—Permissible Bank Holding Company Activities of Savings and Loan Holding Companies
- SUBPART G—FINANCIAL HOLDING COMPANY ACTIVITIES
- SUBPART H—NOTICE OF CHANGE OF DIRECTOR OR SENIOR EXECUTIVE OFFICER
-
SUBPART I—PROHIBITED SERVICE AT SAVINGS AND LOAN HOLDING COMPANIES
- SECTION 238.81—Purpose
- SECTION 238.82—Definitions
- SECTION 238.83—Prohibited Actions
- SECTION 238.84—Covered Convictions or Agreements to Enter into Pre-Trial Diversions or Similar Programs
- SECTION 238.85—Adjudications and Offenses Not Covered
- SECTION 238.86—Exemptions
- SECTION 238.87—Filing Procedures
- SECTION 238.88—Factors for Review
- SECTION 238.89—Board Action
- SECTION 238.90—Hearings
-
SUBPART J—MANAGEMENT OFFICIAL INTERLOCKS
- SECTION 238.91—Authority, Purpose, and Scope
- SECTION 238.92—Definitions
- SECTION 238.93—Prohibitions
- SECTION 238.94—Interlocking Relationships Permitted by Statute
- SECTION 238.95—Small Market Share Exemption
- SECTION 238.96—General Exemption
- SECTION 238.97—Change in Circumstances
- SECTION 238.98—Enforcement
- SECTION 238.99—Interlocking Relationships Permitted Pursuant to Federal Deposit Insurance Act
- SUBPART K—DIVIDENDS BY SUBSIDIARY SAVINGS ASSOCIATIONS
- SUBPART M—RISK COMMITTEE REQUIREMENT FOR COVERED SAVINGS AND LOAN HOLDING COMPANIES WITH TOTAL CONSOLIDATED ASSETS OF $50 BILLION OR MORE AND LESS THAN $100 BILLION
- SUBPART N—RISK COMMITTEE, LIQUIDITY RISK MANAGEMENT, AND LIQUIDITY BUFFER REQUIREMENTS FOR COVERED SAVINGS AND LOAN HOLDING COMPANIES WITH TOTAL CONSOLIDATED ASSETS OF $100 BILLION OR MORE
-
SUBPART O—SUPERVISORY STRESS TEST REQUIREMENTS FOR COVERED SAVINGS AND LOAN HOLDING COMPANIES
- SECTION 238.130—Definitions
- SECTION 238.131—Applicability
- SECTION 238.132—Analysis Conducted by the Board
- SECTION 238.133—Data and Information Required to Be Submitted in Support of the Board’s Analyses
- SECTION 238.134—Review of the Board’s Analysis; Publication of Summary Results
- SECTION 238.135—Corporate Use of Stress Test Results
- SUBPART P—COMPANY-RUN STRESS TEST REQUIREMENTS FOR SAVINGS AND LOAN HOLDING COMPANIES
-
SUBPART Q—SINGLE COUNTERPARTY CREDIT LIMITS FOR COVERED SAVINGS AND LOAN HOLDING COMPANIES
- SECTION 238.150—Applicability and General Provisions
- SECTION 238.151—Definitions
- SECTION 238.152—Credit Exposure Limits
- SECTION 238.153—Gross Credit Exposure
- SECTION 238.154—Net Credit Exposure
- SECTION 238.155—Investments in and Exposures to Securitization Vehicles, Investment Funds, and Other Special Purpose Vehicles That Are Not Subsidiaries of the Covered Company
- SECTION 238.156—Aggregation of Exposures to More than One Counterparty Due to Economic Interdependence or Control Relationships
- SECTION 238.157—Exemptions
- SECTION 238.158—Compliance
- SUBPART R—COMPANY-RUN STRESS TEST REQUIREMENTS FOR FOREIGN SAVINGS AND LOAN HOLDING COMPANIES WITH TOTAL CONSOLIDATED ASSETS OVER $250 BILLION
- SUBPART S—CAPITAL PLANNING AND STRESS CAPITAL BUFFER REQUIREMENT
- APPENDIX A—Text of Large Financial Institution Rating System
-
SUBPART A—GENERAL PROVISIONS
-
Regulation MM: Mutual Holding Companies
- SUBPART A—GENERAL PROVISIONS
-
SUBPART B—MUTUAL HOLDING COMPANIES
- SECTION 239.3—Mutual Holding Company Reorganizations
- SECTION 239.4—Grounds for Disapproval of Reorganizations
- SECTION 239.5—Membership Rights
- SECTION 239.6—Contents of Reorganization Plans
- SECTION 239.7—Acquisition and Disposition of Savings Associations, Savings and Loan Holding Companies, and Other Corporations by Mutual Holding Companies
- SECTION 239.8—Operating Restrictions
- SECTION 239.9—Conversion or Liquidation of Mutual Holding Companies
- SECTION 239.10—Procedural Requirements
- SECTION 239.11—Subsidiary Holding Companies
- SECTION 239.12—Communication between Members of a Mutual Holding Company
- SECTION 239.13—Charters
- SECTION 239.14—Charter Amendments
- SECTION 239.15—Bylaws
- SECTION 239.16—Voluntary Dissolution
-
SUBPART C—SUBSIDIARY HOLDING COMPANIES
- SECTION 239.20—Scope
- SECTION 239.21—Charters
- SECTION 239.22—Charter Amendments
- SECTION 239.23—Bylaws
- SECTION 239.24—Issuances of Stock by Subsidiary Holding Companies of Mutual Holding Companies
- SECTION 239.25—Contents of Stock Issuance Plans
- SECTION 239.26—Shareholders
- SECTION 239.27—Board of Directors
- SECTION 239.28—Officers
- SECTION 239.29—Certificates for Shares and Their Transfer
- SECTION 239.30—Annual Reports; Books and Records
- SECTION 239.31—Indemnification; Employment Contracts
- SUBPART D—INDEMNIFICATION; EMPLOYMENT CONTRACTS
-
SUBPART E—CONVERSIONS FROM MUTUAL TO STOCK FORM
- SECTION 239.50—Purpose and Scope
- SECTION 239.51—Acquiring Another Insured Stock Depository Institution as Part of a Conversion
- SECTION 239.52—Definitions
- SECTION 239.53—Prior to Conversion
- SECTION 239.54—Plan of Conversion
- SECTION 239.55—Filing Requirements
- SECTION 239.56—Vote by Members
- SECTION 239.57—Proxy Solicitation
- SECTION 239.58—Offering Circular
- SECTION 239.59—Offers and Sales of Stock
- SECTION 239.60—Completion of the Offering
- SECTION 239.61—Completion of the Conversion
- SECTION 239.62—Liquidation Accounts
- SECTION 239.63—Post-Conversion
- SECTION 239.64—Contributions to Charitable Organizations
- SECTION 239.65—Voluntary Supervisory Conversions
- SECTION 239.66—Board Review of the Voluntary Supervisory Conversion Application
- APPENDIX A—Mutual Holding Company Model Charter
- APPENDIX B—Subsidiary Holding Company of a Mutual Holding Company Model Charter
- APPENDIX C—Mutual Holding Company Model Bylaws
- APPENDIX D—Subsidiary Holding Company of a Mutual Holding Company Model Bylaws
- Regulation OO: Securities Holding Companies
-
Regulation PP: Definitions Relating to Title I of the Dodd-Frank Act
- SECTION 242.1—Authority and Purpose
- SECTION 242.2—Definitions
- SECTION 242.3—Nonbank Companies “Predominantly Engaged” in Financial Activities
- SECTION 242.4—Significant Nonbank Financial Companies and Significant Bank Holding Companies
- APPENDIX A—Financial Activities for Purposes of Title I of the Dodd-Frank Act
-
Regulation QQ: Resolution Plans
- SECTION 243.1—Authority and Scope
- SECTION 243.2—Definitions
- SECTION 243.3—Critical Operations
- SECTION 243.4—Resolution Plan Required
- SECTION 243.5—Informational Content of a Full Resolution Plan
- SECTION 243.6—Informational Content of a Targeted Resolution Plan
- SECTION 243.7—Informational Content of a Reduced Resolution Plan
- SECTION 243.8—Review of Resolution Plans; Resubmission of Deficient Resolution Plans
- SECTION 243.9—Failure to Cure Deficiencies on Resubmission of a Resolution Plan
- SECTION 243.10—Consultation
- SECTION 243.11—No Limiting Effect or Private Right of Action; Confidentiality of Resolution Plans
- SECTION 243.12—Enforcement
- SECTION 243.13—Additional Covered Companies
-
Regulation RR: Credit Risk Retention
- SUBPART A—AUTHORITY, PURPOSE, SCOPE, AND DEFINITIONS
-
SUBPART B—CREDIT RISK RETENTION
- SECTION 244.3—Base Risk Retention Requirement
- SECTION 244.4—Standard Risk Retention
- SECTION 244.5—Revolving Pool Securitizations
- SECTION 244.6—Eligible ABCP Conduits
- SECTION 244.7—Commercial Mortgage-Backed Securities
- SECTION 244.8—Federal National Mortgage Association and Federal Home Loan Mortgage Corporation ABS
- SECTION 244.9—Open Market CLOs
- SECTION 244.10—Qualified Tender Option Bonds
- SUBPART C—TRANSFER OF RISK RETENTION
-
SUBPART D—EXCEPTIONS AND EXEMPTIONS
- SECTION 244.13—Exemption for Qualified Residential Mortgages
- SECTION 244.14—Definitions Applicable to Qualifying Commercial Loans, Commercial Real Estate Loans, and Automobile Loans
- SECTION 244.15—Qualifying Commercial Loans, Commercial Real Estate Loans, and Automobile Loans
- SECTION 244.16—Underwriting Standards for Qualifying Commercial Loans
- SECTION 244.17—Underwriting Standards for Qualifying CRE Loans
- SECTION 244.18—Underwriting Standards for Qualifying Automobile Loans
- SECTION 244.19—General Exemptions
- SECTION 244.20—Safe Harbor for Certain Foreign-Related Transactions
- SECTION 244.21—Additional Exemptions
- SECTION 244.22—Periodic Review of the QRM Definition, Exempted Three-to-Four Unit Residential Mortgage Loans, and Community-Focused Residential Mortgage Exemption
- Regulation TT: Supervision and Regulation Assessments of Fees
- Regulation XX: Concentration Limit
-
Regulation YY: Enhanced Prudential Standards
- SUBPART A—GENERAL PROVISIONS
- SUBPART B—COMPANY-RUN STRESS TEST REQUIREMENTS FOR STATE MEMBER BANKS WITH TOTAL CONSOLIDATED ASSETS OVER $250 BILLION
- SUBPART C—RISK-COMMITTEE REQUIREMENT FOR BANK HOLDING COMPANIES WITH TOTAL CONSOLIDATED ASSETS OF $50 BILLION OR MORE AND LESS THAN $100 BILLION
-
SUBPART D—ENHANCED PRUDENTIAL STANDARDS FOR BANK HOLDING COMPANIES WITH TOTAL CONSOLIDATED ASSETS OF $100 BILLION OR MORE
- SECTION 252.30—Scope
- SECTION 252.31—Applicability
- SECTION 252.32—Risk-Based and Leverage Capital and Stress Test Requirements
- SECTION 252.33—Risk-Management and Risk-Committee Requirements
- SECTION 252.34—Liquidity Risk-Management Requirements
- SECTION 252.35—Liquidity Stress Testing and Buffer Requirements
-
SUBPART E—SUPERVISORY STRESS TEST REQUIREMENTS FOR CERTAIN U.S. BANKING ORGANIZATIONS WITH $100 BILLION OR MORE IN TOTAL CONSOLIDATED ASSETS AND NONBANK FINANCIAL COMPANIES SUPERVISED BY THE BOARD
- SECTION 252.40—[Reserved]
- SECTION 252.41—Authority and Purpose
- SECTION 252.42—Definitions
- SECTION 252.43—Applicability
- SECTION 252.44—Analysis Conducted by the Board
- SECTION 252.45—Data and Information Required to be Submitted in Support of the Board’s Analyses
- SECTION 252.46—Review of the Board’s Analysis; Publication of Summary Results
- SECTION 252.47—Corporate Use of Stress Test Results
-
SUBPART F—COMPANY-RUN STRESS TEST REQUIREMENTS FOR CERTAIN U.S. BANK HOLDING COMPANIES AND NONBANK FINANCIAL COMPANIES SUPERVISED BY THE BOARD
- SECTION 252.50—[Reserved]
- SECTION 252.51—Authority and Purpose
- SECTION 252.52—Definitions
- SECTION 252.53—Applicability
- SECTION 252.54—Stress Test
- SECTION 252.55—[Reserved]
- SECTION 252.56—Methodologies and Practices
- SECTION 252.57—Reports of Stress Test Results
- SECTION 252.58—Disclosure of Stress Test Results
-
SUBPART G—EXTERNAL LONG-TERM DEBT REQUIREMENT, EXTERNAL TOTAL LOSS-ABSORBING CAPACITY REQUIREMENT AND BUFFER, AND RESTRICTIONS ON CORPORATE PRACTICES FOR U.S. GLOBAL SYSTEMICALLY IMPORTANT BANKING ORGANIZATIONS
- SECTION 252.60—Applicability
- SECTION 252.61—Definitions
- SECTION 252.62—External Long-Term Debt Requirement
- SECTION 252.63—External Total Loss-Absorbing Capacity Requirement and Buffer
- SECTION 252.64—Restrictions on Corporate Practices of U.S. Global Systemically Important Banking Organizations
- SECTION 252.65—Disclosure Requirements
-
SUBPART H—SINGLE-COUNTERPARTY CREDIT LIMITS
- SECTION 252.70—Applicability and General Provisions
- SECTION 252.71—Definitions
- SECTION 252.72—Credit Exposure Limits
- SECTION 252.73—Gross Credit Exposure
- SECTION 252.74—Net Credit Exposure
- SECTION 252.75—Investments in and Exposures to Securitization Vehicles, Investment Funds, and Other Special Purpose Vehicles That Are Not Subsidiaries of the Covered Company
- SECTION 252.76—Aggregation of Exposures to More Than One Counterparty Due to Economic Interdependence or Control Relationships
- SECTION 252.77—Exemptions
- SECTION 252.78—Compliance
-
SUBPART I—REQUIREMENTS FOR QUALIFIED FINANCIAL CONTRACTS OF GLOBAL SYSTEMICALLY IMPORTANT BANKING ORGANIZATIONS
- SECTION 252.81—Definitions
- SECTION 252.82—Applicability
- SECTION 252.83—U.S. Special Resolution Regimes
- SECTION 252.84—Insolvency Proceedings
- SECTION 252.85—Approval of Enhanced Creditor Protection Conditions
- SECTION 252.86—Foreign Bank Multi-Branch Master Agreements
- SECTION 252.87—Identification of Global Systemically Important Foreign Banking Organizations
- SECTION 252.88—Exclusion of Certain QFCs
- SUBPARTS J–L [RESERVED]
- SUBPART M—RISK-COMMITTEE REQUIREMENT FOR FOREIGN BANKING ORGANIZATIONS WITH TOTAL CONSOLIDATED ASSETS OF AT LEAST $50 BILLION BUT LESS THAN $100 BILLION
-
SUBPART N—ENHANCED PRUDENTIAL STANDARDS FOR FOREIGN BANKING ORGANIZATIONS WITH TOTAL CONSOLIDATED ASSETS OF $100 BILLION OR MORE AND COMBINED U.S. ASSETS OF LESS THAN $100 BILLION
- SECTION 252.140—Scope
- SECTION 252.141—[Reserved]
- SECTION 252.142—Applicability
- SECTION 252.143—Risk-Based and Leverage Capital Requirements for Foreign Banking Organizations with Total Consolidated Assets of $250 Billion or More and Combined U.S. Assets of Less than $100 Billion
- SECTION 252.144—Risk-Management and Risk-Committee Requirements for Foreign Banking Organizations with Total Consolidated Assets of $100 Billion or More but Combined U.S. Assets of Less than $100 Billion
- SECTION 252.145—Liquidity Risk-Management Requirements for Foreign Banking Organizations with Total Consolidated Assets of $250 Billion or More and Combined U.S. Assets of Less than $100 Billion
- SECTION 252.146—Capital Stress Testing Requirements for Foreign Banking Organizations with Total Consolidated Assets of $100 Billion or More and Combined U.S. Assets of Less than $100 Billion
- SECTION 252.147—U.S. Intermediate Holding Company Requirement for Foreign Banking Organizations with Combined U.S. Assets of Less than $100 Billion and U.S. Non-Branch Assets of $50 Billion or More
-
SUBPART O—ENHANCED PRUDENTIAL STANDARDS FOR FOREIGN BANKING ORGANIZATIONS WITH TOTAL CONSOLIDATED ASSETS OF $100 BILLION OR MORE AND COMBINED U.S. ASSETS OF $100 BILLION OR MORE
- SECTION 252.150—Scope
- SECTION 252.151—[Reserved]
- SECTION 252.152—Applicability
- SECTION 252.153—U.S. Intermediate Holding Company Requirement for Foreign Banking Organizations with Combined U.S. Assets of $100 Billion or More and U.S. Non-Branch Assets of $50 Billion or More
- SECTION 252.154—Risk-Based and Leverage Capital Requirements for Foreign Banking Organizations with Combined U.S. Assets of $100 Billion or More
- SECTION 252.155—Risk-Management and Risk-Committee Requirements for Foreign Banking Organizations with Combined U.S. Assets of $100 Billion or More
- SECTION 252.156—Liquidity Risk-Management Requirements for Foreign Banking Organizations with Combined U.S. Assets of $100 Billion or More
- SECTION 252.157—Liquidity Stress Testing and Buffer Requirements for Foreign Banking Organizations with Combined U.S. Assets of $100 Billion or More
- SECTION 252.158—Capital Stress Testing Requirements for Foreign Banking Organizations with Combined U.S. Assets of $100 Billion or More
-
SUBPART P—COVERED IHC LONG-TERM DEBT REQUIREMENT, COVERED IHC TOTAL LOSS-ABSORBING CAPACITY REQUIREMENT AND BUFFER, AND RESTRICTIONS ON CORPORATE PRACTICES FOR INTERMEDIATE HOLDING COMPANIES OF GLOBAL SYSTEMICALLY IMPORTANT FOREIGN BANKING ORGANIZATIONS
- SECTION 252.160—Applicability
- SECTION 252.161—Definitions
- SECTION 252.162—Covered IHC Long-Term Debt Requirement
- SECTION 252.163—Internal Debt Conversion Order
- SECTION 252.164—Identification as a Resolution Covered IHC or a Non-Resolution Covered IHC
- SECTION 252.165—Covered IHC Total Loss-Absorbing Capacity Requirement and Buffer
- SECTION 252.166—Restrictions on Corporate Practices of Intermediate Holding Companies of Global Systemically Important Foreign Banking Organizations
- SECTION 252.167—Disclosure Requirements for Resolution Covered IHCs
-
SUBPART Q—SINGLE-COUNTERPARTY CREDIT LIMITS
- SECTION 252.170—Applicability and General Provisions
- SECTION 252.171—Definitions
- SECTION 252.172—Credit Exposure Limits
- SECTION 252.173—Gross Credit Exposure
- SECTION 252.174—Net Credit Exposure
- SECTION 252.175—Investments in and Exposures to Securitization Vehicles, Investment Funds, and Other Special Purpose Vehicles That Are Not Affiliates of the Covered Foreign Entity
- SECTION 252.176—Aggregation of Exposures to More than One Counterparty Due to Economic Interdependence or Control Relationships
- SECTION 252.177—Exemptions
- SECTION 252.178—Compliance
- SUBPARTS R–T [RESERVED]
- SUBPART U—DEBT-TO-EQUITY LIMITS FOR U.S. BANK HOLDING COMPANIES AND FOREIGN BANKING ORGANIZATIONS
- APPENDIX A—Policy Statement on the Scenario Design Framework for Stress Testing
- APPENDIX B—Stress Testing Policy Statement
-
Regulation Y: Bank Holding Companies and Change in Bank Control
-
Securities Credit Transactions
-
Regulation T: Credit by Brokers and Dealers
- SECTION 220.1—Authority, Purpose, and Scope
- SECTION 220.2—Definitions
- SECTION 220.3—General Provisions
- SECTION 220.4—Margin Account
- SECTION 220.5—Special Memorandum Account
- SECTION 220.6—Good Faith Account
- SECTION 220.7—Broker-Dealer Credit Account
- SECTION 220.8—Cash Account
- SECTION 220.9—Clearance of Securities, Options, and Futures
- SECTION 220.10—Borrowing and Lending Securities
- SECTION 220.11—Requirements for the List of Marginable OTC Stocks and the List of Foreign Margin Stocks
- SECTION 220.12—Supplement: Margin Requirements
- Form T-4—Purpose Statement
-
Regulation U: Credit by Banks and Persons Other Than Brokers or Dealers for the Purpose of Purchasing or Carrying Margin Stock
- SECTION 221.1—Authority, Purpose, and Scope
- SECTION 221.2—Definitions
- SECTION 221.3—General Requirements
- SECTION 221.4—Employee Stock Option, Purchase, and Ownership Plans
- SECTION 221.5—Special-Purpose Loans to Brokers and Dealers
- SECTION 221.6—Exempted Transactions
- SECTION 221.7—Supplement: Maximum Loan Value of Margin Stock and Other Collateral
- Form U-1—Purpose Statement
- Form G-1—Registration Statement
- Form G-2—Deregistration Statement
- Form G-3—Purpose Statement
- Form G-4—Annual Report
- Regulation X: Borrowers of Securities Credit
-
Securities-Related Statutory Provisions
-
Securities Exchange Act of 1934
- SECTION 3—Definitions and Application (15 USC 78c)
- SECTION 3A—Swap Agreements (15 USC 78c-1)
- SECTION 3B—Securities-Related Derivatives (15 USC 78c-2)
- SECTION 3C—Clearing for Security-Based Swaps (15 USC 78c-3)
- SECTION 3D—Security-Based Swap Execution Facilities (15 USC 78c-4)
- SECTION 3E—Segregation of Assets Held as Collateral in Security-Based Swap Transactions (15 USC 78c-5)
- SECTION 5—Transactions on Unregistered Exchanges (15 USC 78e)
- SECTION 6—National Securities Exchanges (15 USC 78f)
- SECTION 7—Margin Requirements (15 USC 78g)
- SECTION 8—Restrictions on Borrowing by Members, Brokers, and Dealers (15 USC 78h)
- SECTION 9—Manipulation of Security Prices (15 USC 78i)
- SECTION 10—Manipulative and Deceptive Devices (15 USC 78j)
- SECTION 10B—Position Limits and Position Accountability for Security-Based Swaps and Large Trader Reporting (15 USC 78j-2)
- SECTION 11—Trading by Members of Exchanges, Brokers, and Dealers (15 USC 78k)
- SECTION 11A—National Market System for Securities (15 USC 78k-1)
- SECTION 12—Registration Requirements for Securities (15 USC 78l)
- SECTION 13—Periodical and Other Reports (15 USC 78m)
- SECTION 13A—Reporting and Recordkeeping for Certain Security-Based Swaps (15 USC 78m-1)
- SECTION 14—Proxies (15 USC 78n)
- SECTION 14A—Shareholder Approval of Executive Compensation (15 USC 78n-1)
- SECTION 14B—Corporate Governance (15 USC 78n-2)
- SECTION 15—Registration and Regulation of Brokers and Dealers (15 USC 78o)
- SECTION 15A—Registered Securities Associations (15 USC 78o-3)
- SECTION 15B—Municipal Securities (15 USC 78o-4)
- SECTION 15C—Government Securities Brokers and Dealers (15 USC 78o-5)
- SECTION 15F—Registration and Regulation of Security-Based Swap Dealers and Major Security-Based Swap Participants (15 USC 78o-8)
- SECTION 15G—Credit Risk Retention (15 USC 78o-11)
- SECTION 16—Directors, Officers, and Principal Stockholders (15 USC 78p)
- SECTION 17—Records and Reports (15 USC 78q)
- SECTION 17A—National System for Clearance and Settlement of Securities Transactions (15 USC 78q-1)
- SECTION 18—Liability for Misleading Statements (15 USC 78r)
- SECTION 19—Registration, Responsibilities, and Oversight of Self-Regulatory Organizations (15 USC 78s)
- SECTION 20—Liability of Controlling Persons and Persons Who Aid and Abet Violations (15 USC 78t)
- SECTION 20A—Liability to Contemporaneous Traders for Insider Trading (15 USC 78t-1)
- SECTION 21—Investigations and Actions (15 USC 78u)
- SECTION 21A—Civil Penalties for Insider Trading (15 USC 78u-1)
- SECTION 21B—Civil Remedies in Administrative Proceedings (15 USC 78u-2)
- SECTION 23—Rules, Regulations, and Orders; Annual Reports (15 USC 78w)
- SECTION 24—Public Availability of Information (15 USC 78x)
- SECTION 25—Court Review of Orders and Rules (15 USC 78y)
- SECTION 26—Unlawful Representations (15 USC 78z)
- SECTION 27—Jurisdiction of Offenses and Suits (15 USC 78aa)
- SECTION 27A—Special Provision Relating to Statute of Limitations on Private Causes of Action (15 USC 78aa-1)
- SECTION 28—Effect on Existing Law (15 USC 78bb)
- SECTION 29—Validity of Contracts (15 USC 78cc)
- SECTION 30—Foreign Securities Exchanges (15 USC 78dd)
- SECTION 30A—Prohibited Foreign Trade Practices by Issuers (15 USC 78dd-1)
- SECTION 32—Penalties (15 USC 78ff)
- SECTION 34—Effective Date (15 USC 78hh)
-
Securities Exchange Act of 1934
-
Regulation T: Credit by Brokers and Dealers
-
Consumer and Community Affairs
-
Regulation B: Equal Credit Opportunity
- SECTION 202.1—Authority, Scope, and Purpose
- SECTION 202.2—Definitions
- SECTION 202.3—Limited Exceptions for Certain Classes of Transactions
- SECTION 202.4—General Rules
- SECTION 202.5—Rules Concerning Requests for Information
- SECTION 202.6—Rules Concerning Evaluation of Applications
- SECTION 202.7—Rules Concerning Extensions of Credit
- SECTION 202.8—Special-Purpose Credit Programs
- SECTION 202.9—Notifications
- SECTION 202.10—Furnishing of Credit Information
- SECTION 202.11—Relation to State Law
- SECTION 202.12—Record Retention
- SECTION 202.13—Information for Monitoring Purposes
- SECTION 202.14—Rules on Providing Appraisal Reports
- SECTION 202.15—Incentives for Self-Testing and Self-Correction
- SECTION 202.16—Enforcement, Penalties, and Liabilities
- SECTION 202.17—Data Collection for Credit Applications by Women-Owned, Minority-Owned, or Small Businesses
- APPENDIX A—Federal Enforcement Agencies
- APPENDIX B—Model Application Forms
-
APPENDIX C—Sample Notification Forms
- Form C-1—Sample Notice of Action Taken and Statement of Reasons, Statement of Credit Denial, Termination, or Change
- Form C-2—Sample Notice of Action Taken and Statement of Reasons
- Form C-3—Sample Notice of Action Taken and Statement of Reasons (Credit Scoring)
- Form C-4—Sample Notice of Action Taken, Statement of Reasons, and Counteroffer
- Form C-5—Sample Disclosure of Right to Request Specific Reasons for Credit Denial
- Form C-6—Sample Notice of Incomplete Application and Request for Additional Information
- Form C-7—Sample Notice of Action Taken and Statement of Reasons (Business Credit)
- Form C-8—Sample Disclosure of Right to Request Specific Reasons for Credit Denial Given at Time of Application (Business Credit)
- Form C-9—Sample Disclosure of Right to Receive a Copy of an Appraisal
- Form C-10—Sample Disclosure About Voluntary Data Notation
- APPENDIX D—Issuance of Staff Interpretations
- SUPPLEMENT I—Official Staff Interpretations
-
Regulation E: Electronic Fund Transfers
- SECTION 205.1—Authority and Purpose
- SECTION 205.2—Definitions
- SECTION 205.3—Coverage
- SECTION 205.4—General Disclosure Requirements; Jointly Offered Services
- SECTION 205.5—Issuance of Access Devices
- SECTION 205.6—Liability of Consumer for Unauthorized Transfers
- SECTION 205.7—Initial Disclosures
- SECTION 205.8—Change-in-Terms Notice; Error-Resolution Notice
- SECTION 205.9—Receipts at Electronic Terminals; Periodic Statements
- SECTION 205.10—Preauthorized Transfers
- SECTION 205.11—Procedures for Resolving Errors
- SECTION 205.12—Relation to Other Laws
- SECTION 205.13—Administrative Enforcement; Record Retention
- SECTION 205.14—Electronic Fund Transfer Service Provider Not Holding Consumer’s Account
- SECTION 205.15—Electronic Fund Transfer of Government Benefits
- SECTION 205.16—Disclosures at Automated Teller Machines
- SECTION 205.17— Requirements for Overdraft Services
- SECTION 205.18—Requirements for Financial Institutions Offering Payroll Card Accounts
- SECTION 205.20—Requirements for Gift Cards and Gift Certificates
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APPENDIX A—Model Disclosure Clauses and Forms
- A-1—Model Clauses for Unsolicited Issuance (section 205.5(b)(2))
- A-2—Model Clauses for Initial Disclosures (section 205.7(b))
- A-3—Model Forms for Error-Resolution Notice (sections 205.7(b)(10) and 205.8(b)).
- A-4—Model Form for Service-Providing Institutions (section 205.14(b)(1)(ii))
- A-5—Model Forms for Government Agencies (section 205.15(d)(I)(i) and (ii))
- A-6—Model Clauses for Authorizing One-Time Electronic Fund Transfers Using Information from a Check (section 205.3(b)(2))
- A-7—Model Clauses for Financial Institutions Offering Payroll Card Accounts (section 205.18(c))
- A-8—Model Clause for Electronic Collection of Returned-Item Fees (section 205.3(b)(3))
- A-9—Model Consent Form for Overdraft Services (section 205.17)
- APPENDIX B—Federal Enforcement Agencies
- APPENDIX C—Issuance of Staff Interpretations
- SUPPLEMENT I—Official Staff Commentary
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Regulation G: Disclosure and Reporting of CRA-Related Agreements
- SECTION 207.1—Purpose and Scope of This Part
- SECTION 207.2—Definition of Covered Agreement
- SECTION 207.3—CRA Communications
- SECTION 207.4—Fulfillment of the CRA
- SECTION 207.5—Related Agreements Considered a Single Agreement
- SECTION 207.6—Disclosure of Covered Agreements
- SECTION 207.7—Annual Reports
- SECTION 207.8—Release of Information Under FOIA
- SECTION 207.9—Compliance Provisions
- SECTION 207.10—Transition Provisions
- SECTION 207.11—Other Definitions and Rules of Construction Used in This Part
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Regulation H, Subpart H: Consumer Protection in Sales of Insurance
- SECTION 208.81—Purpose and Scope
- SECTION 208.82—Definitions for Purposes of This Subpart
- SECTION 208.83—Prohibited Practices
- SECTION 208.84—What You Must Disclose
- SECTION 208.85—Where Insurance Activities May Take Place
- SECTION 208.86—Qualification and Licensing Requirements for Insurance Sales Personnel
- APPENDIX A TO SUBPART H—Consumer Grievance Process
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Regulation M: Consumer Leasing
- SECTION 213.1—Authority, Scope, Purpose, and Enforcement
- SECTION 213.2—Definitions
- SECTION 213.3—General Disclosure Requirements
- SECTION 213.4—Content of Disclosures
- SECTION 213.5—Renegotiations, Extensions, and Assumptions
- SECTION 213.6—[Reserved]
- SECTION 213.7—Advertising
- SECTION 213.8—Record Retention
- SECTION 213.9—Relation to State Laws
- APPENDIX A—Model Forms
- APPENDIX B—Federal Enforcement Agencies
- APPENDIX C—Issuance of Staff Interpretations
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Regulation V: Fair Credit Reporting
- SUBPART A—GENERAL PROVISIONS
- SUBPART B—[RESERVED]
-
SUBPART C—AFFILIATE MARKETING
- SECTION 222.20—Coverage and Definitions
- SECTION 222.21—Affiliate Marketing Opt-Out and Exceptions
- SECTION 222.22—Scope and Duration of Opt-Out
- SECTION 222.23—Contents of Opt-Out Notice; Consolidated and Equivalent Notices
- SECTION 222.24—Reasonable Opportunity to Opt Out
- SECTION 222.25—Reasonable and Simple Methods of Opting Out
- SECTION 222.26—Delivery of Opt-Out Notices
- SECTION 222.27—Renewal of Opt-Out
- SECTION 222.28—Effective Date, Compliance Date, and Prospective Application
- SUBPART D—MEDICAL INFORMATION
- SUBPART E—DUTIES OF FURNISHERS OF INFORMATION
- SUBPARTS F–G—[RESERVED]
- SUBPART H—DUTIES OF USERS REGARDING RISK-BASED PRICING
- SUBPART I—DUTIES OF USERS OF CONSUMER REPORTS REGARDING IDENTITY THEFT
- SUBPART J—IDENTITY THEFT RED FLAGS
- APPENDIX A—[Reserved]
- APPENDIX B—Model Notices of Furnishing Negative Information
- APPENDIX C—Model Forms for Opt-Out Notices
- APPENDIX D—[Reserved]
- APPENDIX E—Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies
- APPENDIXES F–G—[Reserved]
-
APPENDIX H—Model Forms for Risk-Based Pricing and Credit Score Disclosure Exception Notices
- H-1. Model form for risk-based pricing notice
- H-2. Model form for account review risk-based pricing notice
- H-3. Model form for credit score disclosure exception for loans secured by one to four units of residential real property
- H-4. Model form for credit score disclosure exception for loans not secured by residential real property
- H-5. Model form for loans where credit score is not available
- H-6. Model form for risk-based pricing notice with credit score information
- H-7. Model form for account review risk-based pricing notice with credit score information
- APPENDIX I—[Reserved]
- APPENDIX J—Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation
-
Regulation Z: Truth in Lending
- SUBPART A—GENERAL
-
SUBPART B—OPEN-END CREDIT
- SECTION 226.5—General Disclosure Requirements
- SECTION 226.5a—Credit and Charge Card Applications and Solicitations
- SECTION 226.5b—Requirements for Home-Equity Plans
- SECTION 226.6—Account-Opening Disclosures
- SECTION 226.7—Periodic Statement
- SECTION 226.8—Identifying Transactions on Periodic Statements
- SECTION 226.9—Subsequent Disclosure Requirements
- SECTION 226.10—Payments
- SECTION 226.11—Treatment of Credit Balances; Account Termination
- SECTION 226.12—Special Credit Card Provisions
- SECTION 226.13—Billing Error Resolution
- SECTION 226.14—Determination of Annual Percentage Rate
- SECTION 226.15—Right of Rescission
- SECTION 226.16—Advertising
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SUBPART C—CLOSED-END CREDIT
- SECTION 226.17—General Disclosure Requirements
- SECTION 226.18—Content of Disclosures
- SECTION 226.19—Certain Mortgage and Variable-Rate Transactions
- SECTION 226.20—Subsequent Disclosure Requirements
- SECTION 226.21—Treatment of Credit Balances
- SECTION 226.22—Determination of Annual Percentage Rate
- SECTION 226.23—Right of Rescission
- SECTION 226.24—Advertising
- SUBPART D—MISCELLANEOUS
-
SUBPART E—SPECIAL RULES FOR CERTAIN HOME MORTGAGE TRANSACTIONS
- SECTION 226.31—General Rules
- SECTION 226.32—Requirements for Certain Closed-End Home Mortgages
- SECTION 226.33—Requirements for Reverse Mortgages
- SECTION 226.34—Prohibited Acts or Practices in Connection with Credit Subject to Section 226.32
- SECTION 226.35—Prohibited Acts or Practices in Connection with Higher-Priced Mortgage Loans
- SECTION 226.36—Prohibited Acts or Practices in Connection with Credit Secured by a Dwelling
- SECTIONS 226.37–226.38—[Reserved]
- SECTION 226.39—Mortgage Transfer Disclosures
- SECTIONS 226.40–226.41—[Reserved]
- SECTION 226.42—Valuation Independence
- SECTION 226.43—Appraisals for Higher-Priced Mortgage Loans
- SECTIONS 226.44–226.45—[Reserved]
- SUBPART F—SPECIAL RULES FOR PRIVATE EDUCATION LOANS
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SUBPART G—SPECIAL RULES APPLICABLE TO CREDIT CARD ACCOUNTS AND OPEN-END CREDIT OFFERED TO COLLEGE STUDENTS
- SECTION 226.51—Ability to Pay
- SECTION 226.52—Limitations on Fees
- SECTION 226.53—Allocation of Payments
- SECTION 226.54—Limitations on the Imposition of Finance Charges
- SECTION 226.55—Limitations on Increasing Annual Percentage Rates, Fees, and Charges
- SECTION 226.56—Requirements for Over-the-Limit Transactions
- SECTION 226.57—Reporting and Marketing Rules for College Student Open-End Credit
- SECTION 226.58—Internet Posting of Credit Card Agreements
- SECTION 226.59—Reevaluation of Rate Increases
- APPENDIX A—Effect on State Laws
- APPENDIX B—State Exemptions
- APPENDIX C—Issuance of Staff Interpretations
- APPENDIX D—Multiple-Advance Construction Loans
- APPENDIX E—Rules for Card Issuers That Bill on a Transaction-by-Transaction Basis
- APPENDIX F—Optional Annual Percentage Rate Computations for Creditors Offering Open-End Plans Subject to the Requirements of Section 226.5b
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APPENDIX G—Open-End Model Forms and Clauses
- G-1—Balance Computation Methods Model Clauses (Home-Equity Plans)
- G-1(A)—Balance Computation Methods Model Clauses (Plans Other Than Home-Equity Plans)
- G-2—Liability for Unauthorized Use Model Clause (Home-Equity Plans)
- G-2(A)—Liability for Unauthorized Use Model Clause (Plans Other Than Home-Equity Plans)
- G-3—Long-Form Billing-Error Rights Model Form (Home-Equity Plans)
- G-3(A)—Long-Form Billing-Error Rights Model Form (Plans Other Than Home-Equity Plans)
- G-4—Alternative Billing-Error Rights Model Form (Home-Equity Plans)
- G-4(A)—Alternative Billing-Error Rights Model Form (Plans Other Than Home-Equity Plans)
- G-5—Rescission Model Form (When Opening an Account)
- G-6—Rescission Model Form (For Each Transaction)
- G-7—Rescission Model Form (When Increasing the Credit Limit)
- G-8—Rescission Model Form (When Adding a Security Interest)
- G-9—Rescission Model Form (When Increasing the Security)
- G-10(A)—Applications and Solicitations Model Form (Credit Cards)
- G-10(B)—Applications and Solicitations Sample (Credit Cards)
- G-10(C)—Applications and Solicitations (Credit Cards)
- G-10(D)—Applications and Solicitations Model Form (Charge Cards)
- G-10(E)—Applications and Solicitations Sample (Charge Cards)
- G-11—Applications and Solicitations Made Available to the General Public Model Clauses
- G-12—[Reserved]
- G-13(A)—Change in Insurance Provider Model Form (Combined Notice)
- G-13(B)—Change in Insurance Provider Model Form
- G-14A—Home Equity Sample
- G-14B—Home Equity Sample
- G-15—Home Equity Model Clauses
- G-16(A)—Debt Suspension Model Clause
- G-16(B)—Debt Suspension Sample
- G-17(A) Account-Opening Model Form
- G-17(B) Account-Opening Sample
- G-17(C) Account-Opening Sample
- G-17(D) Account-Opening Sample (Line of Credit)
- G-18(A) Periodic Statement Transactions: Interest Charges: Fees Sample
- G-18(B)—Late Payment Fee Sample
- G-18(C)(1)—Minimum Payment Warning (When Amortization Occurs and the 36-month Disclosures Are Required)
- G-18(C)(2)—Minimum Payment Warning (When Amortization Occurs and the 36-month Disclosures Are Not Required)
- G-18(C)(3)—Minimum Payment Warning (When Negative or No Amortization Occurs)
- G-18(D)—Periodic Statement New Balance, Due Date, Late Payment and Minimum Payment Sample (Credit Cards)
- G-18(E)—[Reserved]
- G-18(F)—Periodic Statement Form
- G-18(G)—Periodic Statement Form
- G-18(H)—Deferred Interest Periodic Statement Clause
- G-19 Checks Accessing a Credit Card Sample
- G-20 Change-in-Terms Sample (Increase in Annual Percentage Rate)
- G-21—Change-in-Terms Sample (Increase in Fees)
- G-22—Penalty Rate Increase Sample (Payment 60 or Fewer Days Late)
- G-23—Penalty Rate Increase Sample (Payment More Than 60 Days Late)
- G-24—Deferred Interest Offer Clauses
- G-25(A)—Consent Form for Over-the-Credit Limit Transactions
- G-25(B)—Revocation Notice for Periodic Statement Regarding Over-the-Credit Limit Transactions
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APPENDIX H—Closed-End Model Forms and Clauses
- H-1—Credit Sale Model Form
- H-2—Loan Model Form
- H-3—Amount Financed Itemization Model Form
- H-4(A)—Variable-Rate Model Clauses
- H-4(B)—Variable-Rate Model Clauses
- H-4(C)—Variable-Rate Model Clauses
- H-4(D)—Variable-Rate Model Clauses
- H-4(E) Fixed Rate Mortgage Interest Rate and Payment Summary Model Clause
- H-4(F) Adjustable-Rate Mortgage or Step-Rate Mortgage Interest Rate and Payment Summary Model Clause
- H-4(G) Mortgage with Negative Amortization Interest Rate and Payment Summary Model Clause
- H-4(H)—Fixed-Rate Mortgage with Interest-Only Interest Rate and Payment Summary Model Clause
- H-4(I)—Introductory Rate Model Clause
- H-4(J)—Balloon Payment Model Clause
- H-4(K)—“No-Guarantee-to-Refinance” Statement Model Clause
- H-5—Demand Feature Model Clauses
- H-6—Assumption Policy Model Clause
- H-7—Required Deposit Model Clause
- H-8—Rescission Model Form (General)
- H-9—Rescission Model Form (Refinancing with Original Creditor)
- H-10—Credit Sale Sample
- H-11—Installment Loan Sample
- H-12—Refinancing Sample
- H-13—Mortgage with Demand Feature Sample
- H-14—Variable-Rate Mortgage Sample
- H-15—Graduated Payment Mortgage Sample
- H-16—Mortgage Sample
- H-17(A)—Debt Suspension Model Clause
- H-17(B)—Debt Suspension Sample
- H-18 Private Education Loan Application and Solicitation Model Form
- H-19 Private Education Loan Approval Model Form
- H-20 Private Education Loan Final Model Form
- H-21 Private Education Loan Application and Solicitation Sample
- H-22 Private Education Loan Approval Sample
- H-23 Private Education Loan Final Sample
- APPENDIX I—Federal Enforcement Agencies
- APPENDIX J—Annual Percentage Rate Computations for Closed-End Credit Transactions
- APPENDIX K—Total-Annual-Loan-Cost Rate Computations for Reverse-Mortgage Transactions
- APPENDIX L—Assumed Loan Periods for Computations of Total-Annual-Loan-Cost Rates
- APPENDIX M1—Repayment Disclosures
- APPENDIX M2—Sample Calculations of Repayment Disclosures
- APPENDIX N—Higher-Priced Mortgage Loan Appraisal Safe Harbor Review
- APPENDIX O—Illustrative Written Source Documents for Higher-Priced Mortgage Loan Appraisal Rules
-
Regulation BB: Community Reinvestment
-
SUBPART A—GENERAL
- SECTION 228.11—Authority, Purposes, and Scope
- SECTION 228.12—Definitions
- SECTION 228.13—Consideration of Community Development Loans, Community Development Investments, and Community Development Services
- SECTION 228.14—Community Development Illustrative List; Confirmation of Eligibility
- SECTION 228.15—Impact and Responsiveness Review of Community Development Loans, Community Development Investments, and Community Development Services
- SUBPART B—GEOGRAPHIC CONSIDERATIONS
-
SUBPART C—STANDARDS FOR ASSESSING PERFORMANCE
- SECTION 228.21—Evaluation of CRA Performance in General
- SECTION 228.22—Retail Lending Test
- SECTION 228.23—Retail Services and Products Test
- SECTION 228.24—Community Development Financing Test
- SECTION 228.25—Community Development Services Test
- SECTION 228.26—Limited Purpose Banks
- SECTION 228.27—Strategic Plan
- SECTION 228.28—Assigned Conclusions and Ratings
- SECTION 228.29—Small Bank Performance Evaluation
- SECTION 228.30—Intermediate Bank Performance Evaluation
- SECTION 228.31—Effect of CRA Performance on Applications
- SUBPART D—RECORDS, REPORTING, DISCLOSURE, AND PUBLIC ENGAGEMENT REQUIREMENTS
- SUBPART E—TRANSITION RULES
- APPENDIX A—Calculations for the Retail Lending Test
- APPENDIX B—Calculations for the Community Development Tests
- APPENDIX C—Performance Test Conclusions
- APPENDIX D—Ratings
- APPENDIX E—Small Bank and Intermediate Bank Performance Evaluation Conclusions and Ratings
- APPENDIX F—CRA Notice
- APPENDIX G—Community Reinvestment Act (Regulation BB)
-
SUBPART A—GENERAL
-
Regulation FF: Obtaining and Using Medical Information in Connection with Credit
- SECTION 232.1—Scope, General Prohibition, and Definitions
- SECTION 232.2—Rule of Construction for Obtaining and Using Unsolicited Medical Information
- SECTION 232.3—Financial-Information Exception for Obtaining and Using Medical Information
- SECTION 232.4—Specific Exceptions for Obtaining and Using Medical Information
-
CFPB’s Regulation B: Equal Credit Opportunity
-
SUBPART A—GENERAL
- SECTION 1002.1—Authority, Scope, and Purpose
- SECTION 1002.2—Definitions
- SECTION 1002.3—Limited Exceptions for Certain Classes of Transactions
- SECTION 1002.4—General Rules
- SECTION 1002.5—Rules Concerning Requests for Information
- SECTION 1002.6—Rules Concerning Evaluation of Applications
- SECTION 1002.7—Rules Concerning Extensions of Credit
- SECTION 1002.8—Special Purpose Credit Programs
- SECTION 1002.9—Notifications
- SECTION 1002.10—Furnishing of Credit Information
- SECTION 1002.11—Relation to State Law
- SECTION 1002.12—Record Retention
- SECTION 1002.13—Information for Monitoring Purposes
- SECTION 1002.14—Rules on Providing Appraisals and Other Valuations
- SECTION 1002.15—Incentives for Self-Testing and Self-Correction
- SECTION 1002.16—Enforcement, Penalties, and Liabilities
-
SUBPART B—SMALL BUSINESS LENDING DATA COLLECTION
- SECTION 1002.101—Authority, Purpose, and Scope
- SECTION 1002.102—Definitions
- SECTION 1002.103—Covered Applications
- SECTION 1002.104—Covered Credit Transactions and Excluded Transactions
- SECTION 1002.105—Covered Financial Institutions and Exempt Institutions
- SECTION 1002.106—Business and Small Business
- SECTION 1002.107—Compilation of Reportable Data
- SECTION 1002.108—Firewall
- SECTION 1002.109—Reporting of Data to the Bureau
- SECTION 1002.110—Publication of Data and Other Disclosures
- SECTION 1002.111—Recordkeeping
- SECTION 1002.112—Enforcement
- SECTION 1002.113—Severability
- SECTION 1002.114—Effective Date, Compliance Date, and Special Transitional Rules
- APPENDIX A—Federal Agencies to Be Listed in Adverse Action Notices
- APPENDIX B—Model Application Forms
- APPENDIX C—Sample Notification Forms
- APPENDIX D—Issuance of Official Interpretations
- APPENDIX E—Sample Form for Collecting Certain Applicant-Provided Data under Subpart B
- APPENDIX F—Tolerances for Bona Fide Errors in Data Reported under Subpart B
-
SUBPART A—GENERAL
-
CFPB’s Regulation C: Home Mortgage Disclosure
- SECTION 1003.1—Authority, Purpose, and Scope
- SECTION 1003.2—Definitions
- SECTION 1003.3—Exempt Institutions and Excluded and Partially Exempt Transactions
- SECTION 1003.4—Compilation of Reportable Data
- SECTION 1003.5—Disclosure and Reporting
- SECTION 1003.6—Enforcement
- APPENDIX A—[Reserved]
- APPENDIX B—Form and Instructions for Data Collection on Ethnicity, Race, and Sex
- APPENDIX C—Procedures for Generating a Check Digit and Validating a ULI
-
CFPB’s Regulation E: Electronic Fund Transfers
-
SUBPART A—GENERAL
- SECTION 1005.1—Authority and Purpose
- SECTION 1005.2—Definitions
- SECTION 1005.3—Coverage
- SECTION 1005.4—General Disclosure Requirements; Jointly Offered Services
- SECTION 1005.5—Issuance of Access Devices
- SECTION 1005.6—Liability of Consumer for Unauthorized Transfers
- SECTION 1005.7—Initial Disclosures
- SECTION 1005.8—Change in Terms Notice; Error Resolution Notice
- SECTION 1005.9—Receipts at Electronic Terminals; Periodic Statements
- SECTION 1005.10—Preauthorized Transfers
- SECTION 1005.11—Procedures for Resolving Errors
- SECTION 1005.12—Relation to Other Laws
- SECTION 1005.13—Administrative Enforcement; Record Retention
- SECTION 1005.14—Electronic Fund Transfer Service Provider Not Holding Consumer’s Account
- SECTION 1005.15—Electronic Fund Transfer of Government Benefits
- SECTION 1005.16—Disclosures at Automated Teller Machines
- SECTION 1005.17—Requirements for Overdraft Services
- SECTION 1005.18—Requirements for Financial Institutions Offering Prepaid Accounts
- SECTION 1005.19—Internet Posting of Prepaid Account Agreements
- SECTION 1005.20—Requirements for Gift Cards and Gift Certificates
-
SUBPART B—REQUIREMENTS FOR REMITTANCE TRANSFERS
- SECTION 1005.30—Remittance Transfer Definitions
- SECTION 1005.31—Disclosures
- SECTION 1005.32—Estimates
- SECTION 1005.33—Procedures for Resolving Errors
- SECTION 1005.34—Procedures for Cancellation and Refund of Remittance Transfers
- SECTION 1005.35—Acts of Agents
- SECTION 1005.36—Transfers Scheduled before the Date of Transfer
-
APPENDIX A—Model Disclosure Clauses and Forms
- A-1—Model Clauses for Unsolicited Issuance (section 1005.5(b)(2))
- A-2—Model Clauses for Initial Disclosures (section 1005.7(b))
- A-3—Model Forms for Error Resolution Notice (sections 1005.7(b)(10) and 1005.8(b))
- A-4—Model Form for Service-Providing Institutions (section 1005.14(b)(1)(ii))
- A-5—Model Clauses for Government Agencies (section 1005.15(e)(1) and (2))
- A-6—Model Clauses for Authorizing One-Time Electronic Fund Transfers Using Information from a Check (section 1005.3(b)(2))
- A-7—Model Clauses for Financial Institutions Offering Prepaid Accounts (section 1005.18(d) and (e)(3))
- A-8—Model Clause for Electronic Collection of Returned Item Fees (section 1005.3(b)(3))
- A-9—Model Consent Form for Overdraft Services (section 1005.17)
- A-10(a)—Model Form for Short Form Disclosures for Government Benefit Accounts (sections 1005.15(c) and 1005.18(b)(2), (3), (6), and (7))
- A-10(b)—Model Form for Short Form Disclosures for Payroll Card Accounts (section 1005.18(b)(2), (3), (6), and (7))
- A-10(c)—Model Form for Short Form Disclosures for Prepaid Accounts, Example 1 (section 1005.18(b)(2), (3), (6), and (7))
- A-10(d)—Model Form for Short Form Disclosures for Prepaid Accounts, Example 2 (section 1005.18(b)(2), (3), (6), and (7))
- A-10(e)—Model Form for Short Form Disclosures for Prepaid Accounts with Multiple Service Plans (section 1005.18(b)(2), (3), (6), and (7))
- A-10(f)—Sample Form for Long Form Disclosures for Prepaid Accounts (section 1005.18(b)(4), (6), and (7))
- A-30(a)—Model Form for Pre-Payment Disclosures for Remittance Transfers Exchanged into Local Currency (section 1005.31(b)(1))
- A-30(b)—Model Form for Pre-Payment Disclosures for Remittance Transfers Exchanged into Local Currency (section 1005.31(b)(1))
- A-30(c)—Model Form for Pre-Payment Disclosures for Remittance Transfers Exchanged into Local Currency (section 1005.31(b)(1))
- A-30(d)—Model Form for Pre-Payment Disclosures for Remittance Transfers Exchanged into Local Currency (section 1005.31(b)(1))
- A-31—Model Form for Receipts for Remittance Transfers Exchanged into Local Currency (section 1005.31(b)(2))
- A-32—Model Form for Combined Disclosures for Remittance Transfers Exchanged into Local Currency (section 1005.31(b)(3))
- A-33—Model Form for Pre-Payment Disclosures for Dollar-to-Dollar Remittance Transfers (section 1005.31(b)(1))
- A-34—Model Form for Receipts for Dollar-to-Dollar Remittance Transfers (section 1005.31(b)(2))
- A-35—Model Form for Combined Disclosures for Dollar-to-Dollar Remittance Transfers (section 1005.31(b)(3))
- A-36—Model Form for Error Resolution and Cancellation Disclosures (Long) (section 1005.31(b)(4))
- A-37—Model Form for Error Resolution and Cancellation Disclosures (Short) (sections 1005.31(b)(2)(iv) and (b)(2)(vi))
- A-38—Model Form for Pre-Payment Disclosures for Remittance Transfers Exchanged into Local Currency—Spanish (section 1005.31(b)(1))
- A-39—Model Form for Receipts for Remittance Transfers Exchanged into Local Currency—Spanish (section 1005.31(b)(2))
- A-40—Model Form for Combined Disclosures for Remittance Transfers Exchanged into Local Currency—Spanish (section 1005.31(b)(3))
- A-41—Model Form for Error Resolution and Cancellation Disclosures (Long)—Spanish (section 1005.31(b)(4))
- APPENDIX B—[Reserved]
- APPENDIX C—Issuance of Official Interpretations
-
SUBPART A—GENERAL
-
CFPB’s Regulation M: Consumer Leasing
- SECTION 1013.1—Authority, Scope, Purpose, and Enforcement
- SECTION 1013.2—Definitions
- SECTION 1013.3—General Disclosure Requirements
- SECTION 1013.4—Content of Disclosures
- SECTION 1013.5—Renegotiations, Extensions, and Assumptions
- SECTION 1013.6—[Reserved]
- SECTION 1013.7—Advertising
- SECTION 1013.8—Record Retention
- SECTION 1013.9—Relation to State Laws
- APPENDIX A—Model Forms
- APPENDIX B—[Reserved]
- APPENDIX C—Issuance of Official Interpretations
-
CFPB’s Regulation P: Privacy of Consumer Financial Information
- SECTION 1016.1—Purpose and Scope
- SECTION 1016.2—Model Privacy Form and Examples
- SECTION 1016.3—Definitions
-
SUBPART A—PRIVACY AND OPT-OUT NOTICES
- SECTION 1016.4—Initial Privacy Notice to Consumers Required
- SECTION 1016.5—Annual Privacy Notice to Customers Required
- SECTION 1016.6—Information to Be Included in Privacy Notices
- SECTION 1016.7—Form of Opt-Out Notice to Consumers; Opt-Out Methods
- SECTION 1016.8—Revised Privacy Notices
- SECTION 1016.9—Delivering Privacy and Opt-Out Notices
- SUBPART B—LIMITS ON DISCLOSURES
- SUBPART C—EXCEPTIONS
- SUBPART D—RELATION TO OTHER LAWS
- APPENDIX—Model Privacy Form
-
CFPB’s Regulation V: Fair Credit Reporting
- SUBPART A—GENERAL PROVISIONS
- SUBPART B—[RESERVED]
-
SUBPART C—AFFILIATE MARKETING
- SECTION 1022.20—Coverage and Definitions
- SECTION 1022.21—Affiliate Marketing Opt-Out and Exceptions
- SECTION 1022.22—Scope and Duration of Opt-Out
- SECTION 1022.23—Contents of Opt-Out Notice; Consolidated and Equivalent Notices
- SECTION 1022.24—Reasonable Opportunity to Opt Out
- SECTION 1022.25—Reasonable and Simple Methods of Opting Out
- SECTION 1022.26—Delivery of Opt-Out Notices
- SECTION 1022.27—Renewal of Opt-Out
-
SUBPART D—MEDICAL INFORMATION
- SECTION 1022.30—Obtaining or Using Medical Information in Connection with a Determination of Eligibility for Credit
- SECTION 1022.31—Limits on Redisclosure of Information
- SECTION 1022.32—Sharing Medical Information with Affiliates
- SECTIONS 1022.33–1022.37—[Reserved]
- SECTION 1022.38—Duty of Consumer Reporting Agencies Regarding Medical Debt Information
- SUBPART E—DUTIES OF FURNISHERS OF INFORMATION
- SUBPART F—DUTIES OF USERS REGARDING OBTAINING AND USING CONSUMER REPORTS
- SUBPART G—[RESERVED]
- SUBPART H—DUTIES OF USERS REGARDING RISK-BASED PRICING
- SUBPART I—DUTIES OF USERS OF CONSUMER REPORTS REGARDING IDENTITY THEFT
- SUBPARTS J–L—[RESERVED]
- SUBPART M—DUTIES OF CONSUMER REPORTING AGENCIES REGARDING IDENTITY THEFT
-
SUBPART N—DUTIES OF CONSUMER REPORTING AGENCIES REGARDING DISCLOSURES TO CONSUMERS
- SECTION 1022.130—Definitions
- SECTIONS 1022.131–1022.135—[Reserved]
- SECTION 1022.136—Centralized Source for Requesting Annual File Disclosures from Nationwide Consumer Reporting Agencies
- SECTION 1022.137—Streamlined Process for Requesting Annual File Disclosures from Nationwide Specialty Consumer Reporting Agencies
- SECTION 1022.138—Prevention of Deceptive Marketing of Free Credit Reports
- SECTION 1022.139—[Reserved]
- SUBPART O—MISCELLANEOUS DUTIES OF CONSUMER REPORTING AGENCIES
- APPENDIX A—[Reserved]
- APPENDIX B—Model Notices of Furnishing Negative Information
- APPENDIX C—Model Forms for Opt-Out Notices
- APPENDIX D—Model Forms for Firm Offers of Credit or Insurance
- APPENDIX E—Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies
- APPENDIX F–G—[Reserved]
-
APPENDIX H—Model Forms for Risk-Based Pricing and Credit Score Disclosure Exception Notices
- H-1—Model Form for Risk-Based Pricing Notice
- H-2—Model Form for Account Review Risk-Based Pricing Notice
- H-3—Model Form for Credit Score Disclosure Exception for Loans Secured by One to Four Units of Residential Real Property
- H-4—Model Form for Credit Score Disclosure Exception for Loans Not Secured by Residential Real Property
- H-5—Model Form for Loans where Credit Score Is Not Available
- H-6—Model Form for Risk-Based Pricing Notice with Credit Score Information
- H-7—Model Form for Account Review Risk-Based Pricing Notice with Credit Score Information
- APPENDIX I—Summary of Consumer Identity Theft Rights
- APPENDIX J—[Reserved]
- APPENDIX K—Summary of Consumer Rights
- APPENDIX L— Standardized Form for Requesting Annual File Disclosures
- APPENDIX M—Notice of Furnisher Responsibilities
- APPENDIX N—Notice of User Responsibilities
- APPENDIX O—Reasonable Charges for Certain Disclosures
-
CFPB’s Regulation X: Real Estate Settlement Procedures
- SUBPART A—GENERAL PROVISIONS
-
SUBPART B—MORTGAGE SETTLEMENT AND ESCROW ACCOUNTS
- SECTION 1024.6—Special Information Booklet at Time of Loan Application
- SECTION 1024.7—Good Faith Estimate
- SECTION 1024.8—Use of HUD-1 or HUD-1A Settlement Statements
- SECTION 1024.9—Reproduction of Settlement Statements
- SECTION 1024.10—One-Day Advance Inspection of HUD-1 or HUD-1A Settlement Statement; Delivery; Recordkeeping
- SECTION 1024.11—Mailing
- SECTION 1024.12—No Fee
- SECTION 1024.13—[Reserved]
- SECTION 1024.14—Prohibition Against Kickbacks and Unearned Fees
- SECTION 1024.15—Affiliated Business Arrangements
- SECTION 1024.16—Title Companies
- SECTION 1024.17—Escrow Accounts
- SECTION 1024.18—[Reserved]
- SECTION 1024.19—[Reserved]
- SECTION 1024.20—List of Homeownership Counseling Organizations
-
SUBPART C—MORTGAGE SERVICING
- SECTION 1024.30—Scope
- SECTION 1024.31—Definitions
- SECTION 1024.32—General Disclosure Requirements
- SECTION 1024.33—Mortgage Servicing Transfers
- SECTION 1024.34—Timely Escrow Payments and Treatment of Escrow Account Balances
- SECTION 1024.35—Error Resolution Procedures
- SECTION 1024.36—Requests for Information
- SECTION 1024.37—Force-Placed Insurance
- SECTION 1024.38—General Servicing Policies, Procedures, and Requirements
- SECTION 1024.39—Early Intervention Requirements for Certain Borrowers
- SECTION 1024.40—Continuity of Contact
- SECTION 1024.41—Loss Mitigation Procedures
- APPENDIX A—Instructions for Completing HUD-1 and HUD-1A Settlement Statements; Sample HUD-1 and HUD-1A Statements
- APPENDIX B—Illustrations of Requirements of RESPA
- APPENDIX C—Instructions for Completing Good Faith Estimate (GFE) Form
- APPENDIX D—Affiliated Business Arrangement Disclosure Statement Format Notice
- APPENDIX E—Arithmetic Steps
- APPENDIX MS—Mortgage Servicing Model Forms and Clauses
- APPENDIX MS-1—Servicing Disclosure Statement
- APPENDIX MS-2—Notice of Servicing Transfer
- APPENDIX MS-3—Model Force-Placed Insurance Notice Forms
- APPENDIX MS-4—Model Clauses for the Written Early Intervention Notice
-
CFPB's Regulation Z: Truth in Lending
- SUBPART A—GENERAL
-
SUBPART B—OPEN-END CREDIT
- SECTION 1026.5—General Disclosure Requirements
- SECTION 1026.6—Account-Opening Disclosures
- SECTION 1026.7—Periodic Statement
- SECTION 1026.8—Identifying Transactions on Periodic Statements
- SECTION 1026.9—Subsequent Disclosure Requirements
- SECTION 1026.10—Payments
- SECTION 1026.11—Treatment of Credit Balances; Account Termination
- SECTION 1026.12—Special Credit Card Provisions
- SECTION 1026.13—Billing Error Resolution
- SECTION 1026.14—Determination of Annual Percentage Rate
- SECTION 1026.15—Right of Rescission
- SECTION 1026.16—Advertising
-
SUBPART C—CLOSED-END CREDIT
- SECTION 1026.17—General Disclosure Requirements
- SECTION 1026.18—Content of Disclosures
- SECTION 1026.19—Certain Mortgage and Variable-Rate Transactions
- SECTION 1026.20—Disclosure Requirements Regarding Post-Consummation Events
- SECTION 1026.21—Treatment of Credit Balances
- SECTION 1026.22—Determination of Annual Percentage Rate
- SECTION 1026.23—Right of Rescission
- SECTION 1026.24—Advertising
- SUBPART D—MISCELLANEOUS
-
SUBPART E—SPECIAL RULES FOR CERTAIN HOME MORTGAGE TRANSACTIONS
- SECTION 1026.31—General Rules
- SECTION 1026.32—Requirements for High-Cost Mortgages
- SECTION 1026.33—Requirements for Reverse Mortgages
- SECTION 1026.34—Prohibited Acts or Practices in Connection with High-Cost Mortgages
- SECTION 1026.35—Requirements for Higher-Priced Mortgage Loans
- SECTION 1026.36—Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
- SECTION 1026.37—Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)
- SECTION 1026.38—Content of Disclosures for Certain Mortgage Transactions (Closing Disclosure)
- SECTION 1026.39—Mortgage Transfer Disclosures
- SECTION 1026.40—Requirements for Home Equity Plans
- SECTION 1026.41—Periodic Statements for Residential Mortgage Loans
- SECTION 1026.42—Valuation Independence
- SECTION 1026.43—Minimum Standards for Transactions Secured by a Dwelling
- SECTIONS 1026.44–1026.45—[Reserved]
- SUBPART F—SPECIAL RULES FOR PRIVATE EDUCATION LOANS
-
SUBPART G—SPECIAL RULES APPLICABLE TO CREDIT CARD ACCOUNTS AND OPEN-END CREDIT OFFERED TO COLLEGE STUDENTS
- SECTION 1026.51—Ability to Pay
- SECTION 1026.52—Limitations on Fees
- SECTION 1026.53—Allocation of Payments
- SECTION 1026.54—Limitations on the Imposition of Finance Charges
- SECTION 1026.55—Limitations on Increasing Annual Percentage Rates, Fees, and Charges
- SECTION 1026.56—Requirements for Over-the-Limit Transactions
- SECTION 1026.57—Reporting and Marketing Rules for College Student Open-End Credit
- SECTION 1026.58—Internet Posting of Credit Card Agreements
- SECTION 1026.59—Reevaluation of Rate Increases
- SECTION 1026.60—Credit and Charge Card Applications and Solicitations
- SECTION 1026.61—Hybrid Prepaid-Credit Cards
- APPENDIX A—Effect on State Laws
- APPENDIX B—State Exemptions
- APPENDIX C—Issuance of Official Interpretations
- APPENDIX D—Multiple Advance Construction Loans
- APPENDIX E—Rules for Card Issuers That Bill on a Transaction-by-Transaction Basis
- APPENDIX F—Optional Annual Percentage Rate Computations for Creditors Offering Open-End Credit Plans Secured by a Consumer’s Dwelling
-
APPENDIX G—Open-End Model Forms and Clauses
- G-1—Balance Computation Methods Model Clauses (Home-Equity Plans)
- G-1(A)—Balance Computation Methods Model Clauses (Plans Other Than Home-Equity Plans)
- G-2—Liability for Unauthorized Use Model Clause (Home-Equity Plans)
- G-2(A)—Liability for Unauthorized Use Model Clause (Plans Other Than Home-Equity Plans)
- G-3—Long-Form Billing-Error Rights Model Form (Home-Equity Plans)
- G-3(A)—Long-Form Billing-Error Rights Model Form (Plans Other Than Home-Equity Plans)
- G-4—Alternative Billing-Error Rights Model Form (Home-Equity Plans)
- G-4(A)—Alternative Billing-Error Rights Model Form (Plans Other Than Home-Equity Plans)
- G-5—Rescission Model Form (When Opening an Account)
- G-6—Rescission Model Form (For Each Transaction)
- G-7—Rescission Model Form (When Increasing the Credit Limit)
- G-8—Rescission Model Form (When Adding a Security Interest)
- G-9—Rescission Model Form (When Increasing the Security)
- G-10(A)—Applications and Solicitations Model Form (Credit Cards)
- G-10(B)—Applications and Solicitations Sample (Credit Cards)
- G-10(C)—Applications and Solicitations Sample (Credit Cards)
- G-10(D)—Applications and Solicitations Model Form (Charge Cards)
- G-10(E)—Applications and Solicitations Sample (Charge Cards)
- G-11—Applications and Solicitations Made Available to the General Public Model Clauses
- G-12—[Reserved]
- G-13(A)—Change in Insurance Provider Model Form (Combined Notice)
- G-13(B)—Change in Insurance Provider Model Form
- G-14A—Home Equity Sample
- G-14B—Home Equity Sample
- G-15—Home Equity Model Clauses
- G-16(A)—Debt Suspension Model Clause
- G-16(B)—Debt Suspension Sample
- G-17(A)—Account-Opening Model Form
- G-17(B)—Account-Opening Sample
- G-17(C)—Account-Opening Sample
- G-17(D)—Account-Opening Sample (Line of Credit)
- G-18(A)—Periodic Statement Transactions; Interest Charges; Fees Sample
- G-18(B)—Late Payment Fee Sample
- G-18(C)(1)—Minimum Payment Warning (When Amortization Occurs and the 36-month Disclosures Are Required)
- G-18(C)(2)—Minimum Payment Warning (When Amortization Occurs and the 36-month Disclosures Are Not Required)
- G-18(C)(3)—Minimum Payment Warning (When Negative or No Amortization Occurs)
- G-18(D)—Periodic Statement New Balance, Due Date, Late Payment and Minimum Payment Sample (Credit Cards)
- G-18(E)—[Reserved]
- G-18(F)—Periodic Statement Form
- G-18(G)—Periodic Statement Form
- G-18(H)—Deferred Interest Periodic Statement Clause
- G-19—Checks Accessing a Credit Card Sample
- G-20—Change-in-Terms Sample (Increase in Annual Percentage Rate)
- G-21—Change-in-Terms Sample (Increase in Fees)
- G-22—Penalty Rate Increase Sample (Payment 60 or Fewer Days Late)
- G-23—Penalty Rate Increase Sample (Payment More Than 60 Days Late)
- G-24—Deferred Interest Offer Clauses
- G-25(A)—Consent Form for Over-the-Credit Limit Transactions
- G-25(B)—Revocation Notice for Periodic Statement Regarding Over-the-Credit Limit Transactions
-
APPENDIX H—Closed-End Model Forms and Clauses
- H-1—Credit Sale Model Form
- H-2—Loan Model Form
- H-3—Amount Financed Itemization Model Form
- H-4(A)—Variable-Rate Model Clauses
- H-4(B)—Variable-Rate Model Clauses
- H-4(C)—Variable-Rate Model Clauses
- H-4(D)(1)—Adjustable-Rate Mortgage Model Form
- H-4(D)(2)—Adjustable-Rate Mortgage Sample Form
- H-4(D)(3)—Adjustable-Rate Mortgage Model Form
- H-4(D)(4)—Adjustable-Rate Mortgage Sample Form
- H-4(E)—Fixed-Rate Mortgage Interest Rate and Payment Summary Model Clause
- H-4(F)—Adjustable-Rate Mortgage or Step-Rate Mortgage Interest Rate and Payment Summary Model Clause
- H-4(G)—Mortgage with Negative Amortization Interest Rate and Payment Summary Model Clause
- H-4(H)—Fixed-Rate Mortgage with Interest-Only Interest Rate and Payment Summary Model
- H-4(I)—Introductory Rate Model Clause
- H-4(J)—Balloon Payment Disclosure Model Clause
- H-4(K)—No Guarantee to Refinance Statement Model Clause
- H-5—Demand Feature Model Clauses
- H-6—Assumption Policy Model Clause
- H-7—Required Deposit Model Clause
- H-8—Rescission Model Form (General)
- H-9—Rescission Model Form (Refinancing with Original Creditor)
- H-10—Credit Sale Sample
- H-11—Installment Loan Sample
- H-12—Refinancing Sample
- H-13—Closed-End Transaction with Demand Feature Sample
- H-14—Variable-Rate Mortgage Sample
- H-15—Closed-End Graduated Payment Transaction Sample
- H-16—Mortgage Sample
- H-17(A)—Debt Suspension Model Clause
- H-17(B)—Debt Suspension Sample
- H-18—Private Education Loan Application and Solicitation Model Form
- H-19—Private Education Loan Approval Model Form
- H-20—Private Education Loan Final Model Form
- H-21—Private Education Loan Application and Solicitation Sample
- H-22—Private Education Loan Approval Sample
- H-23—Private Education Loan Final Sample
- H-24(A)—Mortgage Loan Transaction Loan Estimate—Model Form
- H-24(B)—Mortgage Loan Transaction Loan Estimate—Fixed Rate Loan Sample
- H-24(C)—Mortgage Loan Transaction Loan Estimate—Interest Only Adjustable Rate Loan Sample
- H-24(D)—Mortgage Loan Transaction Loan Estimate—Refinance Sample
- H-24(E)—Mortgage Loan Transaction Loan Estimate—Balloon Payment Sample
- H-24(F)—Mortgage Loan Transaction Loan Estimate—Negative Amortization Sample
- H-24(G)—Mortgage Loan Transaction Loan Estimate—Modification to Loan Estimate for Transaction Not Involving Seller—Model Form
- H-25(A)—Mortgage Loan Transaction Closing Disclosure—Model Form
- H-25(B)—Mortgage Loan Transaction Closing Disclosure—Fixed Rate Loan Sample
- H-25(C)—Mortgage Loan Transaction Closing Disclosure—Borrower Funds from Second-Lien Loan in Summaries of Transactions Sample
- H-25(D)—Mortgage Loan Transaction Closing Disclosure—Borrower Satisfaction of Seller’s Second-Lien Loan Outside of Closing in Summaries of Transactions Sample
- H-25(E)—Mortgage Loan Transaction Closing Disclosure—Refinance Transaction Sample
- H-25(F)—Mortgage Loan Transaction Closing Disclosure—Refinance Transaction Sample (Amount in Excess of Section 1026.19(e)(3))
- H-25(G)—Mortgage Loan Transaction Closing Disclosure—Refinance Transaction with Cash from Consumer at Consummation Sample
- H-25(H)—Mortgage Loan Transaction Closing Disclosure—Modification to Closing Cost Details—Model Form
- H-25(I)—Mortgage Loan Transaction Closing Disclosure—Modification to Closing Disclosure for Disclosure Provided to Seller—Model Form
- H-25(J)—Mortgage Loan Transaction Closing Disclosure—Modification to Closing Disclosure for Transaction Not Involving Seller—Model Form
- H-26—Mortgage Loan Transaction—Pre-Loan Estimate Statement—Model Form
- H-27(A)—Mortgage Loan Transaction—Written List of Providers—Model Form
- H-27(B)—Mortgage Loan Transaction—Sample of Written List of Providers
- H-27(C)—Mortgage Loan Transaction—Sample of Written List of Providers with Services You Cannot Shop For
- H-28(A)—Mortgage Loan Transaction Loan Estimate—Spanish Language Model Form
- H-28(B)—Mortgage Loan Transaction Loan Estimate—Spanish Language Purchase Sample
- H-28(C)—Mortgage Loan Transaction Loan Estimate—Spanish Language Refinance Sample
- H-28(D)—Mortgage Loan Transaction Loan Estimate—Spanish Language Balloon Payment Sample
- H-28(E)—Mortgage Loan Transaction Loan Estimate—Spanish Language Negative Amortization Sample
- H-28(F)—Mortgage Loan Transaction Closing Disclosure—Spanish Language Model Form
- H-28(G)—Mortgage Loan Transaction Closing Disclosure—Spanish Language Purchase Sample
- H-28(H)—Mortgage Loan Transaction Closing Disclosure—Spanish Language Refinance Sample
- H-28(I)—Mortgage Loan Transaction Loan Estimate—Modification to Loan Estimate for Transaction Not Involving Seller—Spanish Language Model Form
- H-28(J)—Mortgage Loan Transaction Closing Disclosure—Modification to Closing Disclosure for Transaction Not Involving Seller—Spanish Language Model Form
- H-29—Escrow Cancellation Notice Model Form
- H-30(A)—Sample Form of Periodic Statement
- H-30(B)—Sample Form of Periodic Statement with Delinquency Box
- H-30(C)—Sample Form of Periodic Statement for a Payment-Options Loan
- H-30(D)—Sample Clause for Homeownership Counselor Contact Information
- H-30(E)—Sample Form of Periodic Statement for Consumer in Chapter 7 or Chapter 11 Bankruptcy
- H-30(F)—Sample Form of Periodic Statement for Consumer in Chapter 12 or Chapter 13 Bankruptcy
- APPENDIX I—[Reserved]
- APPENDIX J—Annual Percentage Rate Computations for Closed-End Credit Transactions
- APPENDIX K—Total-Annual-Loan-Cost Rate Computations for Reverse Mortgage Transactions
- APPENDIX L—Assumed Loan Periods for Computations of Total-Annual-Loan-Cost Rates
- APPENDIX M1—Repayment Disclosures
- APPENDIX M2—Sample Calculations of Repayment Disclosures
- APPENDIX N—Higher-Priced Mortgage Loan Appraisal Safe Harbor Review
- APPENDIX O—Illustrative Written Source Documents for Higher-Priced Mortgage Loan Appraisal Rules
- APPENDIX P—[Reserved]
-
CFPB's Regulation DD: Truth in Savings
- SECTION 1030.1—Authority, Purpose, Coverage, and Effect on State Laws
- SECTION 1030.2—Definitions
- SECTION 1030.3—General Disclosure Requirements
- SECTION 1030.4—Account Disclosures
- SECTION 1030.5—Subsequent Disclosures
- SECTION 1030.6—Periodic Statement Disclosures
- SECTION 1030.7—Payment of Interest
- SECTION 1030.8—Advertising
- SECTION 1030.9—Enforcement and Record Retention
- SECTION 1030.10—[Reserved]
- SECTION 1030.11—Additional Disclosure Requirements for Overdraft Services
- APPENDIX A—Annual Percentage Yield Calculation
-
APPENDIX B—Model Clauses and Sample Forms
- B-1—Model Clauses for Account Disclosures
- B-2—Model Clauses for Change in Terms
- B-3—Model Clauses for Pre-Maturity Notices for Time Accounts
- B-4—Sample Form (Multiple Accounts)
- B-5—Sample Form (NOW Account)
- B-6—Sample Form (Tiered-Rate Money Market Account)
- B-7—Sample Form (Certificate of Deposit)
- B-8—Sample Form (Certificate of Deposit Advertisement)
- B-9—Sample Form (Money Market Account Advertisement)
- B-10—Sample Form (Aggregate Overdraft and Returned Item Fees)
- APPENDIX C—Effect on State Laws
- APPENDIX D—Issuance of Official Interpretations
-
Consumer-Related Statutory Provisions
-
Fair Credit Reporting Act
- SECTION 601—Short Title
- SECTION 602—Findings and Purpose
- SECTION 603—Definitions and Rules of Construction
- SECTION 604—Permissible Purposes of Reports
- SECTION 605—Requirements Relating to Information Contained in Consumer Reports
- SECTION 605A—Identity Theft Prevention; Fraud Alerts; and Active Duty Alerts
- SECTION 605B—Block of Information Resulting from Identity Theft
- SECTION 605C—Adverse Information in Cases of Trafficking
- SECTION 606—Disclosure of Investigative Consumer Reports
- SECTION 607—Compliance Procedures
- SECTION 608—Disclosures to Governmental Agencies
- SECTION 609—Disclosures to Consumers
- SECTION 610—Conditions and Form of Disclosure to Consumers
- SECTION 611—Procedure in Case of Disputed Accuracy
- SECTION 612—Charges for Certain Disclosures
- SECTION 613—Public Record Information for Employment Purposes
- SECTION 614—Restrictions on Investigative Consumer Reports
- SECTION 615—Requirements on Users of Consumer Reports
- SECTION 616—Civil Liability for Willful Noncompliance
- SECTION 617—Civil Liability for Negligent Noncompliance
- SECTION 618—Jurisdiction of Courts; Limitation of Actions
- SECTION 619—Obtaining Information under False Pretenses
- SECTION 620—Unauthorized Disclosures by Officers or Employees
- SECTION 621—Administrative Enforcement
- SECTION 622—Information on Overdue Child Support Obligations
- SECTION 623—Responsibilities of Furnishers of Information to Consumer Reporting Agencies
- SECTION 624—Affiliate Sharing
- SECTION 625—Relation to State Laws
- SECTION 626—Disclosures to FBI for Counterintelligence Purposes
- SECTION 627—Disclosures to Governmental Agencies for Counterterrorism Purposes
- SECTION 628—Disposal of Records
- SECTION 629—Corporate and Technological Circumvention Prohibited
-
Fair Debt Collection Practices Act
- SECTION 801—Short Title
- SECTION 802—Findings and Purpose
- SECTION 803—Definitions
- SECTION 804—Acquisition of Location Information
- SECTION 805—Communication in Connection with Debt Collection
- SECTION 806—Harassment or Abuse
- SECTION 807—False or Misleading Representations
- SECTION 808—Unfair Practices
- SECTION 809—Validation of Debts
- SECTION 810—Multiple Debts
- SECTION 811—Legal Actions by Debt Collectors
- SECTION 812—Furnishing Certain Deceptive Forms
- SECTION 813—Civil Liability
- SECTION 814—Administrative Enforcement
- SECTION 815—Reports to Congress by the Bureau
- SECTION 816—Relation to State Laws
- SECTION 817—Exemption for State Regulation
- SECTION 818—Exception for Certain Bad Check Enforcement Programs Operated by Private Entities
- SECTION 819—Effective Date
-
Fair Housing Act
- SECTION 800—Short Title
- SECTION 801—Policy
- SECTION 802—Definitions
- SECTION 803—Effective Dates of Certain Prohibitions
- SECTION 804—Discrimination in the Sale or Rental of Housing and Other Prohibited Practices
- SECTION 805—Discrimination in Residential Real Estate- Related Transactions
- SECTION 806—Discrimination in the Provision of Brokerage Services
- SECTION 807—Exemption
- SECTION 808—Administration
- SECTION 809—Education and Conciliation
- SECTION 810—Administrative Enforcement; Preliminary Matters
- SECTION 811—Subpoenas; Giving of Evidence
- SECTION 812—Enforcement by Secretary
- SECTION 813—Enforcement by Private Persons
- SECTION 814—Enforcement by the Attorney General
- SECTION 814A—Incentives for Self-Testing and Self-Correction
- SECTION 815—Rules to Implement Title
- SECTION 816—Effect on State Laws
- SECTION 817—Cooperation with State and Local Agencies Administering Fair Housing Laws
- SECTION 818—Interference, Coercion, or Intimidation
- SECTION 819—Appropriations
- SECTION 820—Separability of Provisions
- SECTION 901—Prevention of Intimidation in Fair Housing Cases
-
Homeowners Protection Act of 1998
- SECTION 1—Short Title; Table of Contents
- SECTION 2—Definitions
- SECTION 3—Termination of Private Mortgage Insurance
- SECTION 4—Disclosure Requirements
- SECTION 5—Notification upon Cancellation or Termination
- SECTION 6—Disclosure Requirements for Lender Paid Mortgage Insurance
- SECTION 7—Fees for Disclosures
- SECTION 8—Civil Liability
- SECTION 9—Effect on Other Laws and Agreements
- SECTION 10—Enforcement
- SECTION 11—Construction
- SECTION 12—Amendment to Higher Education Act of 1965
- SECTION 13—Effective Date
- SECTION 14—Abolishment of the Thrift Depositor Protection Oversight Board
-
Right to Financial Privacy Act
- SECTION 1100—Short Title
- SECTION 1101—Definitions
- SECTION 1102—Confidentiality of Records; Government Authorities
- SECTION 1103—Confidentiality of Records; Financial Institutions
- SECTION 1104—Customer Authorizations
- SECTION 1105—Administrative Subpena and Summons
- SECTION 1106—Search Warrants
- SECTION 1107—Judicial Subpena
- SECTION 1108—Formal Written Request
- SECTION 1109—Delayed Notice; Preservation of Records
- SECTION 1110—Customer Challenge Provisions
- SECTION 1111—Duty of Financial Institutions
- SECTION 1112—Use of Information
- SECTION 1113—Exceptions
- SECTION 1114—Special Procedures
- SECTION 1115—Cost Reimbursement
- SECTION 1116—Jurisdiction
- SECTION 1117—Civil Penalties
- SECTION 1118—Injunctive Relief
- SECTION 1119—Suspension of Statutes of Limitations
- SECTION 1120—Grand Jury Information
- SECTION 1121
- SECTION 1122—Securities and Exchange Commission
-
Fair Credit Reporting Act
-
Regulation B: Equal Credit Opportunity
-
Federal Reserve Bank Activities
- Regulation J: Collection of Checks and Other Items by Federal Reserve Banks and Funds Transfers Through Fedwire
-
Regulation N: Relations with Foreign Banks and Bankers
- SECTION 214.1—Scope of Part
- SECTION 214.2—Information to Be Furnished to the Board
- SECTION 214.3—Conferences and Negotiations with Foreign Banks, Bankers, or States
- SECTION 214.4—Agreements with Foreign Banks, Bankers, or States, and Participation in Foreign Accounts
- SECTION 214.5—Accounts with Foreign Banks
- SECTION 214.6—Amendments
-
Procedural and Organizational Rules
- Board of Governors: Rules of Organization
-
Board of Governors: Rules of Procedure
- SECTION 262.1—Basis and Scope
- SECTION 262.2—Procedure for Regulations
- SECTION 262.3—Applications
- SECTION 262.4—Adjudication with Formal Hearing
- SECTION 262.5—Appearance and Practice
- SECTION 262.6—Forms
- SECTION 262.7—Use of Supervisory Guidance
- APPENDIX A—Statement Clarifying the Role of Supervisory Guidance
- Employee Responsibilities and Conduct
-
Federal Open Market Committee Rules and Regulations
- Open Market Operations of Federal Reserve Banks
- Rules of Organization
- Rules of Procedure
-
Rules Regarding Availability of Information
- SUBPART A—GENERAL
- SUBPART B—PUBLISHED INFORMATION AND RECORDS AVAILABLE TO PUBLIC; PROCEDURES FOR REQUESTS
- SUBPART C—SUBPOENAS, ORDERS COMPELLING PRODUCTION, AND OTHER PROCESS
- Federal Open Market Committee—Statements of Policy
-
Federal Reserve System Labor Relations
-
Charges of Unfair Labor Practices
- CHARGES OF VIOLATIONS OF SECTION 269.6 (OF THE POLICY)
- PRELIMINARY INVESTIGATION
- APPEAL FROM THE CENTER’S DETERMINATION
-
FORMAL PROCEEDINGS
- SECTION 269b.410—Notice of Hearing
- SECTION 269b.420—Designation of Hearing Officer
- SECTION 269b.430—Contents of Notice of Hearing
- SECTION 269b.440—Conduct of Hearing
- SECTION 269b.441—Rights of Parties
- SECTION 269b.442—Duties and Powers of the Hearing Officer
- SECTION 269b.443—Motions Before or After a Hearing
- SECTION 269b.444—Objection to Conduct of Hearing; Other Motions During Hearing
- SECTION 269b.450—Submission of Hearing Officer’s Report to the Panel
- PANEL REVIEW OF HEARING OFFICER’S REPORT AND RECOMMENDED DECISION
- COMPLIANCE
-
GENERAL RULES
- SECTION 269b.710—Rules to Be Liberally Construed
- SECTION 269b.720—Computation of Time for Filing Papers
- SECTION 269b.730—Number of Copies; Form
- SECTION 269b.731—Signature
- SECTION 269b.740—Service of Pleading and Other Paper; Statement of Service
- SECTION 269b.750—Requests for Appearance of Witnesses and Production of Documents
- Definitions
-
Policy on Labor Relations for the Federal Reserve Banks
- SECTION 269.1—Definition of a Labor Organization
- SECTION 269.2—Membership in a Labor Organization
- SECTION 269.3—Recognition of a Labor Organization and Its Relationship to a Federal Reserve Bank
- SECTION 269.4—Determination of Appropriate Bargaining Unit
- SECTION 269.5—Elections
- SECTION 269.6—Unfair Labor Practices
- SECTION 269.7—Approval of Agreement and Required Contents
- SECTION 269.8—Grievance Procedures
- SECTION 269.9—Mediation of Negotiation Impasses
- SECTION 269.10—Time for Internal Labor Organization Business, Consultations, and Negotiations
- SECTION 269.11—Federal Reserve System Labor Relations Panel
- SECTION 269.12—Amendment
-
Charges of Unfair Labor Practices
- Limitations on Activities of Former Members and Employees of the Board
-
Post-Employment Restrictions for Senior Examiners
- SECTION 264a.1—What is the purpose and scope of this part?
- SECTION 264a.2—Who is considered a senior examiner of the Federal Reserve?
- SECTION 264a.3—What special post-employment restrictions apply to senior examiners?
- SECTION 264a.4—When do these special restrictions become effective and may they be waived?
- SECTION 264a.5—What are the penalties for violating these special post-employment restrictions?
- SECTION 264a.6—What other definitions and rules of construction apply for purposes of this part?
- Procedures for Debt Collection
- Reserve Bank Directors: Regulatory Exemption Concerning Conflicts of Interest
-
Rules of Practice for Hearings
-
SUBPART A—UNIFORM RULES OF PRACTICE AND PROCEDURE
- SECTION 263.1—Scope
- SECTION 263.2—Rules of Construction
- SECTION 263.3—Definitions
- SECTION 263.4—Authority of the Board
- SECTION 263.5—Authority of the Administrative Law Judge (ALJ)
- SECTION 263.6—Appearance and Practice in Adjudicatory Proceedings
- SECTION 263.7—Good Faith Certification
- SECTION 263.8—Conflicts of Interest
- SECTION 263.9—Ex Parte Communications
- SECTION 263.10—Filing of Papers
- SECTION 263.11—Service of Papers
- SECTION 263.12—Construction of Time Limits
- SECTION 263.13—Change of Time Limits
- SECTION 263.14—Witness Fees and Expenses
- SECTION 263.15—Opportunity for Informal Settlement
- SECTION 263.16—The Board’s Right to Conduct Examination
- SECTION 263.17—Collateral Attacks on Adjudicatory Proceeding
- SECTION 263.18—Commencement of Proceeding and Contents of Notice
- SECTION 263.19—Answer
- SECTION 263.20—Amended Pleadings
- SECTION 263.21—Failure to Appear
- SECTION 263.22—Consolidation and Severance of Actions
- SECTION 263.23—Motions
- SECTION 263.24—Scope of Document Discovery
- SECTION 263.25—Request for Document Discovery from Parties
- SECTION 263.26—Document Subpoenas to Nonparties
- SECTION 263.27—Deposition of Witness Unavailable for Hearing
- SECTION 263.28—Interlocutory Review
- SECTION 263.29—Summary Disposition
- SECTION 263.30—Partial Summary Disposition
- SECTION 263.31—Scheduling and Prehearing Conferences
- SECTION 263.32—Prehearing Submissions
- SECTION 263.33—Public Hearings
- SECTION 263.34—Hearing Subpoenas
- SECTION 263.35—Conduct of Hearings
- SECTION 263.36—Evidence
- SECTION 263.37—Post-Hearing Filings
- SECTION 263.38—Recommended Decision and Filing of Record
- SECTION 263.39—Exceptions to Recommended Decision
- SECTION 263.40—Review by the Board
- SECTION 263.41—Stays Pending Judicial Review
-
SUBPART B—BOARD LOCAL RULES SUPPLEMENTING THE UNIFORM RULES
- SECTION 263.50—Purpose and Scope
- SECTION 263.51—Definitions
- SECTION 263.52—Address for Filing
- SECTION 263.53—Discovery Depositions
- SECTION 263.54—Delegation to the Office of Financial Institution Adjudication
- SECTION 263.55—Board as Presiding Officer
- SECTION 263.56—Initial Licensing Proceedings
- SECTION 263.57—Sanctions Relating to Conduct in an Adjudicatory Proceeding
- SUBPART C—RULES AND PROCEDURES FOR ASSESSMENT AND COLLECTION OF CIVIL MONEY PENALTIES
- SUBPART D—RULES AND PROCEDURES APPLICABLE TO SUSPENSION OR REMOVAL OF AN INSTITUTION-AFFILIATED PARTY WHERE A FELONY IS CHARGED OR PROVEN
- SUBPART E—PROCEDURES FOR ISSUANCE AND ENFORCEMENT OF DIRECTIVES TO MAINTAIN ADEQUATE CAPITAL
-
SUBPART F—PRACTICE BEFORE THE BOARD
- SECTION 263.90—Scope
- SECTION 263.91—Censure, Suspension, or Debarment
- SECTION 263.92—Definitions
- SECTION 263.93—Eligibility to Practice
- SECTION 263.94—Conduct Warranting Sanctions
- SECTION 263.95—Initiation of Disciplinary Proceeding
- SECTION 263.96—Conferences
- SECTION 263.97—Proceedings Under This Subpart
- SECTION 263.98—Effect of Suspension, Debarment, or Censure
- SECTION 263.99—Petition for Reinstatement
-
SUBPART G—RULES REGARDING CLAIMS UNDER THE EQUAL ACCESS TO JUSTICE ACT
- SECTION 263.100—Authority and Scope
- SECTION 263.101—Standards for Awards
- SECTION 263.102—Prevailing Party
- SECTION 263.103—Eligibility of Applicants
- SECTION 263.104—Application for Awards
- SECTION 263.105—Statement of Net Worth
- SECTION 263.106—Measure of Awards
- SECTION 263.107—Statement of Fees and Expenses
- SECTION 263.108—Responses to Application
- SECTION 263.109—Further Proceedings
- SECTION 263.110—Recommended Decision
- SECTION 263.111—Action by the Board
- SUBPART H—ISSUANCE AND REVIEW OF ORDERS PURSUANT TO PROMPT-CORRECTIVE-ACTION PROVISIONS OF THE FEDERAL DEPOSIT INSURANCE ACT
-
SUBPART I—SUBMISSION AND REVIEW OF SAFETY-AND-SOUNDNESS COMPLIANCE PLANS AND ISSUANCE OF ORDERS TO CORRECT SAFETY-AND-SOUNDNESS DEFICIENCIES
- SECTION 263.300—Scope
- SECTION 263.301—Purpose
- SECTION 263.302—Determination and Notification of Failure to Meet Safety-and-Soundness Standard and Request for Compliance Plan
- SECTION 263.303—Filing of Safety-and-Soundness Compliance Plan
- SECTION 263.304—Issuance of Orders to Correct Deficiencies and to Take or Refrain from Taking Other Actions
- SECTION 263.305—Enforcement of Orders
- SUBPART J—REMOVAL, SUSPENSION, AND DEBARMENT OF ACCOUNTANTS FROM PERFORMING AUDIT SERVICES
-
SUBPART K—FORMAL INVESTIGATIVE PROCEEDINGS
- SECTION 263.450—Scope
- SECTION 263.451—Definitions
- SECTION 263.452—Conduct of a Formal Investigative Proceeding
- SECTION 263.453—Powers of the Designated Representative
- SECTION 263.454—Confidentiality of Proceedings
- SECTION 263.455—Transcripts
- SECTION 263.456—Rights of Witnesses
- SECTION 263.457—Subpoenas
- APPENDIX A—Rules Applicable to Proceedings Initiated Before April 1, 2024
-
SUBPART A—UNIFORM RULES OF PRACTICE AND PROCEDURE
-
Rules Regarding Access to Personal Information under the Privacy Act of 1974
- SUBPART A—GENERAL PROVISIONS
-
SUBPART B—PROCEDURES FOR REQUESTS BY INDIVIDUALS TO WHOM RECORD PERTAINS
- SECTION 261a.5—Request for Access to Records
- SECTION 261a.6—Board Procedures for Responding to Request for Access
- SECTION 261a.7—Special Procedures for Medical Records
- SECTION 261a.8—Request for Amendment of Record
- SECTION 261a.9—Board Review of Request for Amendment of Record
- SECTION 261a.10—Appeal of Adverse Determination of Request for Access or Amendment
- SUBPART C—DISCLOSURE OF RECORDS
-
Rules Regarding Availability of Information
- SUBPART A—GENERAL
-
SUBPART B—PUBLISHED INFORMATION AND RECORDS AVAILABLE TO PUBLIC; PROCEDURES FOR REQUESTS
- SECTION 261.10—Published Information
- SECTION 261.11—Records Available to the Public upon Request
- SECTION 261.12—Processing Requests
- SECTION 261.13—Responses to Requests
- SECTION 261.14—Appeals
- SECTION 261.15—Exemptions from Disclosure
- SECTION 261.16—Fee Schedules; Waiver of Fees
- SECTION 261.17—Request for Confidential Treatment
- SECTION 261.18—Process for Addressing a Submitter’s Request for Confidential Treatment
-
SUBPART C—NONPUBLIC INFORMATION MADE AVAILABLE TO SUPERVISED FINANCIAL INSTITUTIONS, GOVERNMENTAL AGENCIES, AND OTHERS IN CERTAIN CIRCUMSTANCES
- SECTION 261.20—General
- SECTION 261.21—Confidential Supervisory Information Made Available to Supervised Financial Institutions
- SECTION 261.22—Nonpublic Information Made Available by the Board to Governmental Agencies and Entities Exercising Governmental Authority
- SECTION 261.23—Other Disclosure of Confidential Supervisory Information
- SECTION 261.24—Subpoenas, Orders Compelling Production, and Other Process
-
Rules Regarding Delegation of Authority
- SUBPART A—GENERAL PROVISIONS
-
SUBPART B—DELEGATIONS OF AUTHORITY
- SECTION 265.4—Functions Delegated to Board Members or Staff within the Division of Board Members
- SECTION 265.5—Functions Delegated to the Secretary of the Board
- SECTION 265.6—Functions Delegated to the General Counsel
- SECTION 265.7—Functions Delegated to the Director of the Division of Supervision and Regulation
- SECTION 265.8—Functions Delegated to the Director of the Division of Consumer and Community Affairs
- SECTION 265.9—Functions Delegated to the Director of the Division of International Finance
- SECTION 265.10—Functions Delegated to the Director of the Division of Monetary Affairs
- SECTION 265.11—Functions Delegated to the Director of the Division of Reserve Bank Operations and Payment Systems
- SECTION 265.12—Functions Delegated to the Secretary of the Federal Open Market Committee
- SECTION 265.13—Functions Delegated to the Director of the Division of Financial Stability
- SECTIONS 265.14–265.19—[Reserved]
- SECTION 265.20—Functions Delegated to Federal Reserve Banks
-
Rules Regarding Equal Opportunity
- SUBPART A—GENERAL PROVISIONS AND ADMINISTRATION
-
SUBPART B—BOARD PROGRAM TO PROMOTE EQUAL OPPORTUNITY
- SECTION 268.101—General Policy for Equal Opportunity
- SECTION 268.102—Board Program for Equal Employment Opportunity
- SECTION 268.103—Complaints of Discrimination Covered by this Part
- SECTION 268.104—Precomplaint Processing
- SECTION 268.105—Individual Complaints
- SECTION 268.106—Dismissals of Complaints
- SECTION 268.107—Investigation of Complaints
- SECTION 268.108—Hearings
- SECTION 268.109—Final Action by the Board
- SUBPART C—PROVISIONS APPLICABLE TO PARTICULAR COMPLAINTS
- SUBPART D—RELATED PROCESSES
-
SUBPART E—APPEALS TO THE EQUAL EMPLOYMENT OPPORTUNITY COMMISSION
- SECTION 268.401—Appeals to the Equal Employment Opportunity Commission
- SECTION 268.402—Time Limits for Appeals to the Equal Employment Opportunity Commission
- SECTION 268.403—How to Appeal
- SECTION 268.404—Appellate Procedure
- SECTION 268.405—Decisions on Appeals
- SECTION 268.406—Civil Action: Title VII, Age Discrimination in Employment Act and Rehabilitation Act
- SECTION 268.407—Civil Action: Equal Pay Act
- SECTION 268.408—Effect of Filing a Civil Action
- SUBPART F—REMEDIES AND ENFORCEMENT
-
SUBPART G—MATTERS OF GENERAL APPLICABILITY
- SECTION 268.601—EEO Group Statistics
- SECTION 268.602—Reports to the Commission
- SECTION 268.603—Voluntary Settlement Attempts
- SECTION 268.604—Filing and Computation of Time
- SECTION 268.605—Representation and Official Time
- SECTION 268.606—Joint Processing and Consolidation of Complaints
- SECTION 268.607—Delegation of Authority
-
SUBPART H—PROHIBITION AGAINST DISCRIMINATION IN BOARD PROGRAMS AND ACTIVITIES BECAUSE OF PHYSICAL OR MENTAL DISABILITY
- SECTION 268.701—Purpose and Application
- SECTION 268.702—Definitions
- SECTION 268.703—Notice
- SECTION 268.704—General Prohibitions Against Discrimination
- SECTION 268.705—Employment
- SECTION 268.706—Program Accessibility: Discrimination Prohibited
- SECTION 268.707—Program Accessibility: Existing Facilities
- SECTION 268.708—Program Accessibility: New Construction and Alterations
- SECTION 268.709—Communications
- SECTION 268.710—Compliance Procedures
-
Rules Regarding Foreign Gifts and Decorations
- SECTION 264b.1—Purpose and Scope
- SECTION 264b.2—Definitions
- SECTION 264b.3—Restrictions on Acceptance of Gifts and Decorations
- SECTION 264b.4—Gifts of Minimal Value
- SECTION 264b.5—Gifts of More than Minimal Value
- SECTION 264b.6—Requirements for Gifts of More than Minimal Value
- SECTION 264b.7—Decorations
- SECTION 264b.8—Disposition or Retention of Gifts and Decorations Deposited with the Office of the Secretary
- SECTION 264b.9—Enforcement
- SECTION 264b.10—Certain Grants Excluded
-
Rules Regarding Public Observation of Meetings
- SECTION 261b.1—Basis and Scope
- SECTION 261b.2—Definitions
- SECTION 261b.3—Conduct of Agency Business
- SECTION 261b.4—Meetings Open to Public Observation
- SECTION 261b.5—Exemptions
- SECTION 261b.6—Public Announcements of Meetings
- SECTION 261b.7—Meetings Closed to Public Observation Under Expedited Procedures
- SECTION 261b.8—Meetings Closed to Public Observation Under Regular Procedures
- SECTION 261b.9—Changes with Respect to Publicly Announced Meeting
- SECTION 261b.10—Certification of General Counsel
- SECTION 261b.11—Transcripts, Recordings, and Minutes
- SECTION 261b.12—Procedures for Inspection and Obtaining Copies of Transcriptions and Minutes
- SECTION 261b.13—Fees
-
Supplemental Standards of Ethical Conduct for Employees of the Board of Governors of the Federal Reserve System
- SECTION 6801.101—Purpose
- SECTION 6801.102—Definitions
- SECTION 6801.103—Prohibited Financial Interests
- SECTION 6801.104—Speculative Dealings
- SECTION 6801.105—Prohibition on Preferential Terms from Regulated Institutions
- SECTION 6801.106—Prohibition on Supervisory Employees’ Seeking Credit from Institutions Involved in Work Assignments
- SECTION 6801.107—Disqualification of Supervisory Employees from Matters Involving Lenders
- SECTION 6801.108—Restrictions Resulting from Employment of Family Members
- SECTION 6801.109—Prior Approval for Compensated Outside Employment
-
Uniform Regulations for Federal Reserve Law Enforcement Officers
- SECTION I—Purpose and Scope
- SECTION II—General Definitions
- SECTION III—Qualifications and Standards
- SECTION IV—Jurisdiction
- SECTION V—Cross-Designation
- SECTION VI—Training
- SECTION VII—Authority to Carry Firearms
- SECTION VIII—Use of Force
- SECTION IX—Arrest Powers
- SECTION X—Execution of Searches
- SECTION XI—Policy for Plain-Clothes Operations
- SECTION XII—Internal Oversight
- SECTION XIII—External Oversight Function
-
Payment System
-
Regulation J: Collection of Checks and Other Items by Federal Reserve Banks and Funds Transfers Through the Fedwire Funds Service and the FedNow Service
-
SUBPART A—COLLECTION OF CHECKS AND OTHER ITEMS BY FEDERAL RESERVE BANKS
- SECTION 210.1—Authority, Purpose, and Scope
- SECTION 210.2—Definitions
- SECTION 210.3—General Provisions
- SECTION 210.4—Sending Items to Reserve Banks
- SECTION 210.5—Sender’s Agreement; Recovery by Reserve Bank
- SECTION 210.6—Status, Warranties, and Liability of Reserve Banks
- SECTION 210.7—Presenting Items for Payment
- SECTION 210.8—Presenting Noncash Items for Acceptance
- SECTION 210.9—Settlement and Payment
- SECTION 210.10—Time Schedule and Availability of Credits for Cash Items and Returned Checks
- SECTION 210.11—Availability of Proceeds of Noncash Items; Time Schedule
- SECTION 210.12—Return of Cash Items and Handling of Returned Checks
- SECTION 210.13—Unpaid Items
- SECTION 210.14—Extension of Time Limits
- SECTION 210.15—Direct Presentment of Certain Warrants
-
SUBPART B—FUNDS TRANSFERS THROUGH THE FEDWIRE FUNDS SERVICE
- SECTION 210.25—Authority, Purpose, and Scope
- SECTION 210.26—Definitions
- SECTION 210.27—Reliance on Identifying Number
- SECTION 210.28—Agreement of Sender
- SECTION 210.29—Agreement of Receiving Bank
- SECTION 210.30—Payment Orders
- SECTION 210.31—Payment by a Federal Reserve Bank to a Receiving Bank or Beneficiary
- SECTION 210.32—Federal Reserve Bank Liability; Payment of Compensation
- APPENDIX A TO SUBPART B—Commentary
-
SUBPART C—FUNDS TRANSFERS THROUGH THE FEDNOW SERVICE
- SECTION 210.40—Authority, Purpose, and Scope
- SECTION 210.41—Definitions
- SECTION 210.42—Reliance on Identifying Number
- SECTION 210.43—Agreement of Sender
- SECTION 210.44—Agreement of Receiving Bank
- SECTION 210.45—Payment Orders
- SECTION 210.46—Payment by a Federal Reserve Bank to a Receiving Bank or Beneficiary
- SECTION 210.47—Federal Reserve Bank Liability; Payment of Compensation
- APPENDIX A TO SUBPART C—Commentary
- APPENDIX A—UCC Article 4A
-
SUBPART A—COLLECTION OF CHECKS AND OTHER ITEMS BY FEDERAL RESERVE BANKS
-
Regulation CC: Availability of Funds and Collection of Checks
- SUBPART A—GENERAL
-
SUBPART B—AVAILABILITY OF FUNDS AND DISCLOSURE OF FUNDS-AVAILABILITY POLICIES
- SECTION 229.10—Next-Day Availability
- COMMENTARY on SECTION 229.10—Next-Day Availability
- SECTION 229.11—Adjustment of Dollar Amounts
- COMMENTARY on SECTION 229.11—Adjustment of Dollar Amounts
- SECTION 229.12—Availability Schedule
- COMMENTARY on SECTION 229.12—Availability Schedule
- SECTION 229.13—Exceptions
- COMMENTARY on SECTION 229.13—Exceptions
- SECTION 229.14—Payment of Interest
- COMMENTARY on SECTION 229.14—Payment of Interest
- SECTION 229.15—General Disclosure Requirements
- COMMENTARY on SECTION 229.15—General Disclosure Requirements
- SECTION 229.16—Specific Availability-Policy Disclosure
- COMMENTARY on SECTION 229.16—Specific Availability-Policy Disclosure
- SECTION 229.17—Initial Disclosures
- COMMENTARY on SECTION 229.17—Initial Disclosures
- SECTION 229.18—Additional Disclosure Requirements
- COMMENTARY on SECTION 229.18—Additional Disclosure Requirements
- SECTION 229.19—Miscellaneous
- COMMENTARY on SECTION 229.19—Miscellaneous
- SECTION 229.20—Relation to State Law
- COMMENTARY on SECTION 229.20—Relation to State Law
- SECTION 229.21—Civil Liability
- COMMENTARY on SECTION 229.21—Civil Liability
-
SUBPART C—COLLECTION OF CHECKS
- SECTION 229.30—Electronic Checks and Electronic Information
- COMMENTARY on SECTION 229.30—Electronic Checks and Electronic Information
- SECTION 229.31—Paying Bank’s Responsibility for Return of Checks and Notices of Nonpayment
- COMMENTARY on SECTION 229.31—Paying Bank’s Responsibility for Return of Checks and Notices of Nonpayment
- SECTION 229.32—Returning Bank’s Responsibility for Return of Checks
- COMMENTARY on SECTION 229.32—Returning Bank’s Responsibility for Returned Checks
- SECTION 229.33—Depositary Bank’s Responsibility for Returned Checks and Notices of Nonpayment
- COMMENTARY on SECTION 229.33—Depositary Bank’s Responsibility for Returned Checks and Notices of Nonpayment
- SECTION 229.34—Warranties and Indemnities
- COMMENTARY on SECTION 229.34—Warranties and Indemnities
- SECTION 229.35—Indorsements
- COMMENTARY on SECTION 229.35—Indorsements
- SECTION 229.36—Presentment and Issuance of Checks
- COMMENTARY on SECTION 229.36—Presentment and Issuance of Checks
- SECTION 229.37—Variation by Agreement
- COMMENTARY on SECTION 229.37—Variation by Agreement
- SECTION 229.38—Liability
- COMMENTARY on SECTION 229.38—Liability
- SECTION 229.39—Insolvency of Bank
- COMMENTARY on SECTION 229.39—Insolvency of Bank
- SECTION 229.40—Effect of Merger Transaction
- COMMENTARY on SECTION 229.40—Effect of Merger Transaction
- SECTION 229.41—Relation to State Law
- COMMENTARY on SECTION 229.41—Relation to State Law
- SECTION 229.42—Exclusions
- COMMENTARY on SECTION 229.42—Exclusions
-
SUBPART D—SUBSTITUTE CHECKS
- SECTION 229.51—General Provisions Governing Substitute Checks
- COMMENTARY on SECTION 229.51—General Provisions Governing Substitute Checks
- SECTION 229.52—Substitute-Check Warranties
- COMMENTARY on SECTION 229.52—Substitute-Check Warranties
- SECTION 229.53—Substitute-Check Indemnity
- COMMENTARY on SECTION 229.53—Substitute-Check Indemnity
- SECTION 229.54—Expedited Recredit for Consumers
- COMMENTARY on SECTION 229.54—Expedited Recredit for Consumers
- SECTION 229.55—Expedited Recredit for Banks
- COMMENTARY on SECTION 229.55—Expedited Recredit Procedures for Banks
- SECTION 229.56—Liability
- COMMENTARY on SECTION 229.56—Liability
- SECTION 229.57—Consumer Awareness
- COMMENTARY on SECTION 229.57—Consumer Awareness
- SECTION 229.58—Mode of Delivery of Information
- SECTION 229.59—Relation to Other Law
- SECTION 229.60—Variation by Agreement
- COMMENTARY on SECTION 229.60—Variation by Agreement
- APPENDIX A—Routing Number Guide to Next-Day-Availability Checks and Local Checks
- APPENDIX B—[Reserved]
-
APPENDIX C—Model Availability-Policy Disclosures, Clauses, and Notices; Model Substitute-Check-Policy Disclosure and Notices
- C-1—Next-Day Availability
- C-2—Next-Day Availability and Section 229.13 Exceptions
- C-3—Next-Day Availability, Case-by-Case Holds to Statutory Limits, and Section 229.13 Exceptions
- C-4—Holds to Statutory Limits on All Deposits (Includes Chart)
- C-5—Holds to Statutory Limits on All Deposits
- C-5A—Substitute-Check-Policy Disclosure
- C-6—Holds on Other Funds (Check Cashing)
- C-7—Holds on Other Funds (Other Account)
- C-8—Appendix B Availability (Nonlocal Checks)
- C-9—Automated Teller Machine Deposits (Extended Hold)
- C-10—Cash-Withdrawal Limitation
- C-11—Credit-Union Interest-Payment Policy
- C-11A—Availability of Funds Deposited at Other Locations
- C-12—Exception Hold Notice
- C-13—Reasonable-Cause Hold Notice
- C-14—One-Time Notice for Large-Deposit and Redeposited-Check Exception Holds
- C-15—One-Time Notice for Repeated-Overdraft Exception Holds
- C-16—Case-by-Case Hold Notice
- C-17—Notice at Locations Where Employees Accept Consumer Deposits
- C-18—Notice at Locations Where Employees Accept Consumer Deposits (Case-by-Case Holds)
- C-19—Notice at Automated Teller Machines
- C-20—Notice at Automated Teller Machines (Delayed Receipt)
- C-21—Deposit-Slip Notice
- C-22—Expedited-Recredit Claim, Valid-Claim Refund Notice
- C-23—Expedited-Recredit Claim, Provisional-Refund Notice
- C-24—Expedited-Recredit Claim, Denial Notice
- C-25—Expedited-Recredit Claim, Reversal Notice
- COMMENTARY on APPENDIX C—Model Availability-Policy Disclosures, Clauses, and Notices; and Model Substitute-Check-Policy Disclosure and Notices
- APPENDIX D—[Reserved]
- APPENDIX F—Official Board Interpretations; Preemption Determinations
- Regulation EE: Netting Eligibility for Financial Institutions
-
Regulation GG: Prohibition on Funding of Unlawful Internet Gambling
- SECTION 233.1—Authority, Purpose, Collection of Information, and Incorporation by Reference
- SECTION 233.2—Definitions
- SECTION 233.3—Designated Payment Systems
- SECTION 233.4—Exemptions
- SECTION 233.5—Policies and Procedures Required
- SECTION 233.6—Non-Exclusive Examples of Policies and Procedures
- SECTION 233.7—Regulatory Enforcement
- APPENDIX A—Model Notice
- Regulation HH: Designated Financial Market Utilities
-
Regulation II: Debit Card Interchange Fees and Routing
- SECTION 235.1—Authority and Purpose
- SECTION 235.2—Definitions
- SECTION 235.3—Reasonable and Proportional Interchange Transaction Fees
- SECTION 235.4—Fraud-Prevention Adjustment
- SECTION 235.5—Exemptions
- SECTION 235.6—Prohibition on Circumvention, Evasion, and Net Compensation
- SECTION 235.7—Limitations on Payment Card Restrictions
- SECTION 235.8—Reporting Requirements and Record Retention
- SECTION 235.9—Administrative Enforcement
- SECTION 235.10—Effective and Compliance Dates
- Risk Reduction Policy
-
Services Pricing Policy
- Evaluating Requests to Withdraw from a Priced Service Line
- Federal Reserve Role in the Payment System
- Fee Schedule for Services
- Guidelines for Requesting Public Comment on a Priced Service
- Guidelines for the Provision of Financial Services
- Policy Statement on Consolidation of Priced Services Across District Lines
- Policy Statement on Surpluses and Shortfalls That Arise from the Provision of Priced Services
- Principles for Pricing Services
- Reduction and Pricing of Federal Reserve Float
- Standards Related to Priced-Service Activities
- Uniform Cash Access Policy
-
Regulation J: Collection of Checks and Other Items by Federal Reserve Banks and Funds Transfers Through the Fedwire Funds Service and the FedNow Service
PARTS 1000–1009 [RESERVED]
Supplementary Information
- Reference Material
- Advisory on Suspicious-Activity Reports and Safe Harbor Protection
- FAQs on Suspicious Activity Reporting
- Guidance on Accepting Accounts from Foreign Governments
- Guidance on Politically Exposed Persons
- Guidance on Providing Banking Services to Money-Services Businesses
- Guidance on Sharing Suspicious-Activity Reports
- Interagency Statement on Issuance of Anti-Money Laundering/Countering the Financing of Terrorism National Priorities
- Interagency Statement on Model Risk Management
- Interagency Statement on Sharing Bank Secrecy Act Resources
- Joint Fact Sheet on Due Diligence Requirements for Charities and Non-Profits
- Statement on Assessing Customer Relationships and Conducting Customer Due Diligence
- Statement on Bank Secrecy Act/Anti-Money Laundering Enforcement
- Statement on Bank Secrecy Act/Anti-Money Laundering Supervision
- Statutory Provisions
- Bank Secrecy Act