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M
Management official interlocks, 3-775 et seq.
See also Depository Institution Management Interlocks Act.
Adjacent cities, towns, and villages; definition, 3-777; 3-812
Administration, 3-808; 3-811
Rules and regulations for, 3-809 et seq.
Advisory directors, management officials, 3-845.4
Affiliates
Definition, 3-776; 3-802; 3-813; 3-1111
Nominal percentage for, 3-813
Agreement corporations, interlocks with, 3-783; 3-806
Anticompetitive effect
Definition, 3-776
Regulatory-standards exemption, 3-785
Area median income, definition, 3-776
Assets
Major, prohibitions as to, 3-782; 3-822
Total, definition, 3-781; 3-818
Assistant attorney general, functions and powers as to, 3-809.1
Attorney general, functions and powers as to, 3-809.1
Banker's banks, interlocks with, 3-783; 3-802; 3-806; 3-823
Bank holding companies
Divestiture, 4-482
Indebted transferees, interlocks with, 4-483
Reestablishment, requests for, 4-485
Retention, 4-480
Subsidiaries, interlocks with, 4-476
Grandfathered interlocks
Corporate form, changes in, 3-840.2
Substantial identity with banks, 3-840.3
Transfer of rights by directors, 3-840; 3-840.1
Indebted transferees, interlocks with; divestiture, 4-483
Manufacturing companies which are bank holding companies, directors of as management officials, 3-845.2
Prohibited interlocks, 3-855
Reestablishment, requests for; divestiture, 4-485
Retention, divestiture, 4-480
Subsidiaries, interlocks with; divestiture, 4-476
Banks, substantial identity with bank holding companies; grandfathered interlocks, 3-840.3
Changes in circumstances
Corporate form, grandfathered interlocks, 3-840.2
Grace period, nongrandfathered interlocks
Authority to grant, 8-121.99
Corporate form, changes in, 3-840.2
Prohibited interlock, resulting in, 3-788
Cities
Adjacent, definition, 3-777; 3-812
Contiguous, definition, 3-777
Clayton Antitrust Act, effect of Depository Institutions Management Interlocks Act upon, 3-790; 3-827
Community
Definition, 3-777
Prohibitions, 3-782; 3-820
Conservatorship, institution in; interlocks with, 3-783; 3-806
Contiguous cities, towns, and villages; definition, 3-777
Corporate form, changes in; grandfathered interlocks, 3-840.2
Credit unions, permissible interlocks, 3-783; 3-806
Organization sponsoring, 3-824
Critical
Definition, 3-777
Safe and sound operations, to, 3-785
Depository holding company, definition, 3-777; 3-801; 3-838
Depository institution
Definition, 3-777; 3-801; 3-814
Industrial loan companies as, 3-838
Offices of, definition, 3-779
Depository institution affiliate, 3-777
Depository organization, definition, 3-777
Directors emeritus as honorary directors, 3-845
Dual service of management official with unaffiliated institution prohibited, 3-804; 3-805
Exceptions, 3-806 et seq.
Edge corporations, interlocks with, 3-783; 3-806
Exceptions—See Permissible interlocks, this heading.
Failed- or failing-bank exception, 3-787; 3-806.1; 3-850.1
Federal Home Loan Banks, interlocks with, 3-783; 3-806
Federal Reserve Board orders, interlocks permitted by, 3-785; 3-824
Financial-service activities, management official functions relate to, 3-845.5
Foreign banks, application of Depository Institutions Management Interlocks Act to, 3-814
Grandfathered relationships, 3-825
Corporate form, change in, 3-840.2
Regulatory exception, 3-840.4
Substantial identity between banks and bank holding companies, 3-840.3
Transfer of rights, 3-840; 3-840.1
Holding companies
Depository; definition, 3-777; 3-801; 3-838
Savings and loan, diversified; interlocks with, 3-783; 3-806.2; 3-850.2
Federal Reserve Bank approval authority, 8-121.99
Honorary directors, directors emeritus as; management officials, 3-845
Industrial loan companies as depository institutions, 3-838
Law firm partners as directors, 3-845.1
Liquidation, institutions in; interlocks with, 3-783; 3-806
Low-income area
Definition, 3-778
Organization in; interlocks with, 3-820; 3-850
Management-consignment exemption, 3-787
Management officials
Advisory directors, 3-845.4
Billion-dollar institution, of, 3-805
Company as, for unaffiliated institution or company, 3-805
Consignment, exemption, 3-787
Definition, 3-778; 3-803; 3-815; 3-845 et seq.
Dual service with unaffiliated institution prohibited, 3-804; 3-805
Emeritus, directors, as honorary directors, 3-845
Honorary directors, directors emeritus as, 3-845
In position prior to November 10, 1978, 3-807
Law firm partners as directors, 3-845.1
Manufacturing company which is bank holding company, director of as, 3-845.2
Service corporation directors as, 3-845.3
Unaffiliated institution or company in same area, of, 3-804
Vice president, as representative or nominee of chairman, 3-845.6
Manufacturing company which is bank holding company, director of as management official, 3-845.2
Metropolitan statistical area, relevant—See Relevant metropolitan statistical area, this heading.
Minority organization, interlocks with
Management-consignment exemption, 3-787
Moderate-income area
Definition, 3-778
Management-consignment exemption, 3-787
Newly chartered organization, interlocks with
Management-consignment exemption, 3-787
Nominal percentage for affiliates, 3-813
Nominee
Definition, 3-780; 3-817
Vice chairman as chairman's, 3-845.6
Office of depository institution, definition, 3-779; 3-803
Percentage for affiliates, nominal, 3-813
Permissible interlocks, 3-783 et seq.; 3-806 et seq.; 3-830; 3-831; 3-850 et seq.
Person, definition, 3-779; 3-816
Receivership, institutions in; interlocks with, 3-783; 3-806
Regulation L, 3-775 et seq.
See also Regulation L.
Regulation LL, 4-750 et seq.
See also Regulation LL.
Regulatory-standards exemption, 3-785
Relevant metropolitan statistical area
Definition, 3-779
Offices in same, prohibitions, 3-782
Representative
Definition, 3-780; 3-817
Vice chairman as chairman's, 3-845.6
Safety and soundness
Official critical to, 3-785
Troubled condition, institution in—See Failed- or failing-bank exception, this heading.
Savings and loan associations
Holding companies, diversified—See Holding companies, this heading.
Managers; grandfathered interlocks, transfer of rights, 3-840
Prohibitions as to, 3-820
Savings associations, interlocks with permissible, 3-806.3
Service corporation owned by directors as management officials, 3-845.3
Service corporation directors as management officials, 3-845.3
Standard Metropolitan Statistical Areas (SMSAs), prohibitions as to, 3-821
Statutes, interlocks permitted by, 3-783; 3-823
Towns
Adjacent, definition, 3-777; 3-812
Contiguous, definition, 3-777
Trust companies, interlocks with prohibited, 3-855
Unaffiliated institution, dual service of management official with prohibited, 3-804; 3-805
United States
Definition, 3-781
Not doing business in, institutions, 3-783; 3-806
Villages
Adjacent, definition, 3-777; 3-812
Contiguous, definition, 3-777
Women's organization, interlocks with
Management-consignment exemption, 3-787
Margin requirements, 5-049 et seq.
See also Borrowers obtaining securities credit; Credit by brokers and dealers; Securities credit by banks and persons other than brokers or dealers.
Married persons—See also Spouses.
Credit, discrimination in extension of—See Equal credit opportunity.
McFadden Act
Applicability to financial environment, report to Congress, 1-576
Mediation—See Federal Reserve System Labor Relations Panel.
Medical information
Affiliates, sharing with, 6-2976 et seq.; 6-3213; 6-7976 et seq.
Bank holding companies, processing medical-payment data; activity closely related to banking, 4-472.2
Board employees, access to personal information pertaining to, 8-205.1; 8-259; 8-309
Authority to promulgate rules concerning, 8-317
System of records, 8-336
Employee Assistance Program, 8-355.6
Credit-eligibility determinations, obtaining or using in connection with, 6-2960 et seq.; 6-3213; 6-3500 et seq.; 6-7960 et seq.
Consumer's request to obtain and use, 6-2967; 6-2970; 6-3507; 6-3510; 6-7967; 6-7970
Debt-cancellation or -suspension agreement, 6-2967; 6-7967
Financial-information exception, 6-2963 et seq.; 6-3503 et seq.
Forbearance practice or program, 6-2967; 6-2971; 6-7967; 6-7971
Fraud prevention, 6-2967; 6-7967
Medical purpose, loan for, 6-2967; 6-3507; 6-3509; 6-7967
Power of attorney, determining necessity of, 6-2967; 6-7967
Special credit or credit assistance programs, 6-2967; 6-2968; 6-3507; 6-3508; 6-7967; 6-7968
Unsolicited information, 6-2962; 6-3502; 6-7962
Definition, 6-1553; 6-2907; 6-3501; 6-7907
Employment purposes, furnishing consumer reports for, 6-1554.6
Federal Open Market Committee members, availability of personnel and medical files, 8-821
Furnisher of
Consumer report containing name, address, and telephone number of, 6-1555
Services, products, or devices, 6-1576.01; 6-1576.34
Insurance transactions, consumer reports in connection with, 6-1554.6; 6-2977; 6-7977
Protection of, 6-1554.6
Redisclosure, 6-2975; 6-3213; 6-7975
Request for from consumer reporting agency, 6-1586
Unsolicited, 6-2962; 6-3502; 6-7962
Meetings, public observation of—See Public participation.
Member banks—See also Federal Reserve System; State member banks.
Acceptances by, 1-117
Dollar exchange created by, 1-122
Authority to permit, delegated, 8-108.7
Acquisitions—See Investments, this heading.
Affiliates—See also Affiliate-member bank relations.
Bank holding companies as, 1-308
Definitions, 3-1175.1
Bank holding companies as, 1-308
Examinations of, 1-075
Reports to Federal Reserve Banks and Federal Reserve Board, 1-070 et seq.
Securities dealers, as; prohibited, 1-308
Trust company affiliate issuing bonds, 3-414.9
Transactions with, restrictions, 3-1176.2 et seq.
Assets, low-quality; definition, 3-1175.5
Bonds
Circulating notes, securing; sale to Reserve Banks, 1-158 et seq.
Farm Credit Act, issued under; dealings in, 1-300
Capital—See Capital, generally.
Capital stock of Reserve Banks—See Capital stock of Reserve Banks.
Checks, false certification by, 1-067; 1-293
Collections, Federal Reserve Banks' receipt of from, 1-111; 9-830; 9-1563
Consolidation—See Mergers and consolidations, this heading.
Corporations
Certificates of member banks not to represent stock in, 1-074
Foreign banking, corporations engaged in not to become members, 1-241
Credit
Federal Reserve Bank—See Federal Reserve Banks.
Undue use of, 1-028
Debentures issued under Farm Credit Act, dealings in, 1-300
Debt obligations, long-term; use of foreign subsidiaries to sell, 3-706
Definition
Bookkeeping violations, as to, 1-462
Federal Reserve Act, as to, 1-003
Federal Reserve Board hearings, rules of practice, as to, 8-085.2
Loans to officers, directors, and shareholders; as to, 3-966
Reserve requirements, as to, 2-156
Dependencies, banks in; as member banks, 1-174; 2-238.1
Depositaries of public money, 1-068
Deposit insurance—See Insured depository institutions.
Deposits
Depository institutions without access to Federal Reserve advances, deposits with; limitations, 1-171
Federal Reserve Banks' receipt of, from, 1-111; 9-830; 9-1563
Trust fund deposits with nonmember banks, 3-1595
Directors
Definition as to loans to, 3-963
False certification of checks, unlawful, 1-293
Interest rates on deposits, lower than prevailing rates prohibited, 1-190
Penalties for violation, 1-262 et seq.
Loans to—See also Loans to officers, directors, and shareholders of member banks.
Definition as to, 3-963
Number, 1-292
Overdrafts by, not payable, 1-198.1
Purchases from, outside normal course of business prohibited, 1-188
Penalties for, 1-262 et seq.
Securities, approving purchases of, 3-1065
Suspension or removal, Federal Reserve Board rules of procedure, 8-086.9 et seq.; 8-101
Violation by or permitted by, 1-191
Discounts
Interest rates charged on, 1-301
Medium or agent, member bank acting as for nonmember bank in applying for or receiving, 1-171
Dividends on preferred stock, 1-307
Embezzlement, 1-457
Emergency, restrictions on business in event of, 1-323
Examination by Federal Reserve Board, 1-060; 1-061
Affiliates, 1-075
Examiner, offering loan or gratuity to, as criminal offense, 1-451
Export trading company, investment in; approval authority, 8-106.3
False certification of checks unlawful, 1-067
Directors or officers, by, 1-293
Farm Credit Act, debentures issued under; dealings in, 1-300
Federal Reserve Act, definition as to, 1-003
Federal Reserve Banks, dealings with
Board of directors, nomination and election, 1-036 et seq.
Classification of member banks for electing class A and B directors, 1-036; 8-121.96
Bonds securing circulation, purchase from member banks, 1-158 et seq.
Clearinghouse function, for, 1-153; 9-832; 9-1565
Collections and deposits received, 1-111; 9-830; 9-1563
Credit—See Federal Reserve Banks.
Fees for services—See Fees.
Reports to by affiliates, 1-070 et seq.
Stock—See Capital stock of Reserve Banks.
Federal Reserve Board—See also Federal Reserve Board.
Examination by, 1-060
Forfeiture of membership by, 3-463; 3-485
Members ineligible to serve member banks, 1-078
Reports to, 1-059; 1-070 et seq.
Financial subsidiaries—See Affiliate-member bank relations; State member banks.
Fiscal agents of the government, 1-068
Foreign branches—See International banking operations, at Foreign branches of U.S. banking organizations.
Foreign companies, investment in; approval authority, 8-106.3
Foreign operation of, policy statement on availability of information on, 3-721
Foreign subsidiaries, use of to sell long-term debt obligations, 3-706
Former, permitted to pass reserves through correspondent, 2-307.5
Government depositaries, 1-068
Government National Mortgage Association certificate of guarantee, extension of credit for member bank affiliates, 3-1190
Gratuity, offering to bank examiner criminal offense, 1-451
Acceptance of, criminal offense, 1-452
Insolvency, 1-046
Capital stock of Federal Reserve Banks, as to, 3-481
Insular possessions, banks in; as member banks, 1-174; 2-238.1
Insured banks
See also Insured depository institutions.
Waiver of membership requirements, 1-065
Interest on deposits
See also Interest on deposits; Interest rates.
Employees' deposits, lower-than-prevailing rates on prohibited, 1-190
Interlocks
Management officials—See Management official interlocks.
Nonmember banks, with—See Interlocks.
Investments
Affiliates' obligations, in, 3-1175
Export trading companies, in; approval authority, 8-106.3
Foreign banks, in—See Foreign banking organizations.
Securities—See Securities, this heading.
State housing corporations, in, 1-297.1
Time extension for completion, approval authority, 8-121.3
Laws subject to, 1-066
Liquidation, voluntary; capital stock of Federal Reserve Banks, 3-463
Loans by
Affiliates, to—See Affiliate-member bank relations.
Bank examiner, offering to; as criminal offense, 1-451
Acceptance as criminal offense, 1-452
Losses, allowance for, 3-1480 et seq.
Methodologies and documentation, 3-1484
Officers, directors, and shareholders, to, 1-192 et seq.; 3-960 et seq.
See also Loans to officers, directors, and shareholders of member banks.
Security loans for others, 1-170
Lotteries, prohibition against participation in, 1-076
Mergers and consolidations—See Bank mergers and consolidations.
Mutual savings bank, admission to membership, 1-069
National, conversion of insured state bank into, 1-337
Notes of, wrongful issuance and circulation, 1-462
Obligations
Affiliates', investments in or loans on, 3-1175
Long-term debt, use of foreign subsidiaries to sell, 3-706
Officers
Deposits of, interest rates lower than prevailing rate prohibited, 1-190
Penalties for violations, 1-262 et seq.
False certification of checks, by; unlawful, 1-293
Loans to, 1-192 et seq.; 3-960 et seq.
See also Loans to officers, directors, and shareholders of member banks.
Overdrafts by, not payable, 1-198.1
Violations by or permitted by, 1-191
Preferred stock, dividends on, 1-307
Promissory notes, advances on by Federal Reserve Banks, 1-118
Purchases
Directors, from; outside normal course of business prohibited, 1-188
Interest rates on, 1-301
Reports—See Reports.
Reserve requirements—See Reserve requirements.
Securities
Dealing in, 1-073
Directors approving purchases of, 3-1065
Investment
Loan secured by; member bank as agent for nonbank entity, 1-170
Risk management, 3-1562
Securities dealers, relationships with, 1-308
Trust company affiliate issuing bonds, 3-414.9
State banks—See State member banks.
State examiners, examination by, 1-061
Stock
Capital, acquisition and retirement of, 3-1505
Certificates not to represent stock in other corporations, 1-074
Dealing, restrictions on, 1-073
Preferred, dividends on, 1-307
Purchases of—See Investments, this heading.
Stockholders, principal; loans to—See Loans to officers, directors, and shareholders of member banks.
Subsidiaries—See Affiliate-member bank relations.
Suspension by Federal Reserve Board for undue use of credit, 1-028
Trust fund deposits with nonmember banks, 3-1595
United States bonds securing circulating notes, application to sell, 1-158
Member bank–securities dealer interlocks
Affiliates, relations with, 3-1110 et seq.
See also Affiliate-member bank relations.
Affiliations
Bank acting as trustee acquiring majority of open-end investment company shares, 3-415.3
Bank holding companies
Small-denomination debt obligations, issuance, 4-867.1
Thrift notes, selling, 4-867
Investment company shares, bank acting as trustee acquiring majority, 3-415.3
Nonbank affiliates, issuance of small-denomination debt obligations, 4-867.1
Bank holding companies
Small-denomination debt obligations, issuance by; affiliations, 4-867.1
Thrift notes, selling; affiliations, 4-867
Bank trustees, acting as; acquiring majority of open-end investment company shares; affiliations, 3-415.3
Debt obligations, small-denomination; issuance by bank holding companies and nonbank affiliates; affiliations, 4-867.1
Nonbank affiliates, issuance of small-denomination debt obligations by; affiliations, 4-867.1
Small-denomination debt obligations, issuance by bank holding companies and nonbank affiliates; affiliations, 4-867.1
Thrift notes, bank holding companies selling; affiliations, 4-867
Merchant banking—See Financial holding companies.
Mergers
Acquisition financing—See Securities credit by banks and persons other than brokers or dealers.
Bank holding companies and subsidiaries—See Bank holding companies.
Banks—See Bank mergers and consolidations.
Cash mergers—See Tender offers.
Depository institutions—See Bank mergers and consolidations.
Monopoly, mergers tending to create, 1-390
Monetary Control Act of 1980
Bank reserves, computation pursuant to, 2-260
Federal Reserve Bank fees for services, congressional intent, 9-1567
Monetary policy
Federal Open Market Committee to maintain monetary aggregates, 1-017
Federal Reserve Bank extensions of credit, 2-001 et seq.
Federal Reserve Board
Congress, appearances before and reports to concerning, 1-017.1; 1-017.2
Division of Monetary Affairs, functions of, 8-003
Objectives, 1-017
Reserve requirements to implement, 2-122 et seq.
See also Reserve requirements.
Money—See also Cash; Coinage; Currency.
Custodians of, 1-268.2
Deposit insurance requirements, money received or held defined as deposit for, 1-335.4
Laundering—See Currency and foreign transactions, generally.
Legal tender, definition, 1-415
Money laundering—See also Bank Secrecy Act; Currency and foreign transactions.
Bank holding company applications, effectiveness of activities to combat; consideration of, 4-068
Definition
Information-sharing procedures, as to, 3-1704
International banking, as to, 1-570.71
Financial privacy—See Right to financial privacy.
Mergers involving insured depository institutions, proposed; effectiveness in combating money laundering considered, 1-394
Special measures for jurisdictions, institutions, or international transactions of primary concern, 3-1776.85 et seq.
Money market
Certificate holders crediting interest periodically to another account, not to constitute transaction account, 2-301.6
Deposit accounts (MMDAs)
Advertising of interest on, 6-6948
Automated teller machine card, unauthorized use as debit card; reserve requirements, 2-345.18
Broker-dealer cash account, redemptions of funds to pay for purchase, 5-615.98; 5-615.99
Savings deposits, as; reserve requirements, 2-138.1
Escrow deposits for tour operators, in, 2-342.14
Facsimile machine, transfer instructions via, 2-342.18
Messenger service, transfers to checking account by, 2-342.12
Monitored transfers, 2-342.15; 2-342.17
Overdraft coverage, 2-342.13
Preauthorized transfers, 2-342.1
Tiered-rate
Advertisement, sample, 6-6948
Disclosure form, sample, 6-6945; 6-7218
Transaction accounts, as; reserve requirements
Automated teller machines and POS terminals, withdrawals and transfers through, 2-345.17
Credit line, transfers to cover, 2-345.23
Demand deposit, combined with, 2-345.24
NOW account, conversion to, 2-285
Mutual fund shares—See Mutual funds.
Money market deposit accounts—See Money market, at Deposit accounts.
Money orders
Availability of funds—SeeAvailability of funds.
Bank holding companies, permissible nonbanking activities, 4-050.4
Cash items in process of collection, 2-152
Deposit insurance requirements, defined as deposit for, 1-335.4
Financial institution; issuer, redeemer, or cashier as, 3-1762
Large denominations or amounts, purchases of
Over $3,000, records of, 3-1703.2 et seq.
Over $10,000, identification required, 3-1786
Money-services business; issuer, seller, or redeemer as, 3-1700.51
Money-transmitting business; issuer or redeemer as, 3-1788.34
Sale of by state member bank off premises, not establishment of branch, 3-423
Sale on consignment, report by depository institution, 2-306.7
U.S. Postal Service
Collection, nonpayment and return, 9-440; 9-450; 9-560; 9-565
Deposits of—See Availability of funds.
Security, use of as instead of surety bonds, 1-443.1
Monopolies—See also Antitrust law.
Acquisitions creating, 1-404
Banking, 1-349
Mergers creating, banking, 1-390
Morris Plan
Banks
Bank holding company activities, 4-049; 4-049.7
Federal Reserve System membership, application for, 1-054; 3-483
Loans to officers, directors, and principal shareholders; reports, 3-1050
State bank, as, 3-153
Transactions, truth in lending closed-end credit disclosures, 6-1174.36; 6-1176.9; 6-6174.36; 6-6176.9
Mortgage insurance, 6-1800 et seq.
Adjustable-rate mortgage, definition, 6-1800
Cancellation date, definition, 6-1800
Change in terms of loan, 6-1805
Definition, 6-1801
Disclosure requirements, 6-1808 et seq.
Fees for, 6-1814
Forms, standardized, 6-1810
Lender-paid insurance, 6-1812; 6-1813
Fixed-rate mortgage, definition, 6-1801
Force-placed, 6-1428.7; 6-1444.7
Notice of, 6-1428.7
Model notice, 6-1440.3 et seq.
Good payment history, definition, 6-1801
High-risk loans, exception, 6-1807
Mortgagee, definition, 6-1802
Mortgage insurer, definition, 6-1802
Mortgagor, definition, 6-1802
Original value, definition, 6-1802
Payment schedule, 6-1176.1; 6-6176.1
Premiums
Accrued obligation, cancellation or termination of insurance, 6-1807
Prepaid, 6-1175.71
Unearned, return of, 6-1806; 6-1820
Private mortgage insurance, definition, 6-1802
Residential mortgage, definition, 6-1803
Transaction, definition, 6-1803
Servicer, definition, 6-1803
Single-family dwelling, definition, 6-1803
Termination, 6-1804 et seq.
Date, definition, 6-1803
Notification of, 6-1811
Mortgages—See also Home mortgage disclosure; Housing finance; Real estate; Truth in lending.
Ability to repay standard, 6-5972.69; 6-6185.5
Adjustable-rate
See also Truth in lending, at Variable rates.
Payment-option, interagency guidance on risk management, 3-1579.45
Servicers of securitized mortgages, loss mitigation, 3-1579.455
Subprime mortgage lending, 3-1579.454
Workout arrangements, interagency statements encouraging, 3-1579.453
Application form, residential real estate loan, 6-072
Assumptions—See also Truth in lending.
Rates, due-on-sale clauses; mortgage loans, 1-302.2
Settlement procedures, 6-1382
Bank holding companies, 4-514
Insurance underwriting, on investments in real estate mortgages, 4-598
Servicing exemption for mortgage companies, 4-196; 4-663
Collateral
Dependence on to repay loan, unsafe and unsound practice, 3-1579.45
Federal Housing Administration mortgages with member bank affiliates, 3-1124
Companies
Bank holding companies
Liquidation of subsidiary, extension of credit, 4-511
Nonbank interests, acquisition of, 4-287
Servicing exemption, 4-196
Discount of notes, 2-062
Insured bank, investment by in out-of-state mortgage company, 1-330.1
Out-of-state, investment in by insured bank, 1-330.1
Disclosures—See Truth in lending.
Due-on-sale clauses, 1-302.1 et seq.
Farm lands, on; by national banks, 1-208
Federal agencies as to mortgage loans, 1-302.5
Federal Housing Administration mortgages, member bank–affiliate relations; collateral, 3-1124
Flood hazard areas, property in, 3-213 et seq.
Graduated-payment adjustable-rate, truth in lending disclosures, 6-1174.33; 6-6174.33
Growth-equity mortgages, disclosure; as to truth in lending, 6-1174.34; 6-6174.34
High-cost
Appraisals for, 6-5972.4
Prohibited acts or practices in connection with, 6-5972.2
Home-equity plans—See Home-equity plans.
Insurance—See Mortgage insurance.
Interest-only, interagency guidance on risk management, 3-1579.45
Interest rates
Home mortgage disclosure, rate-spread information, 6-5208; 6-5284.1
Introductory, interagency guidance on risks of nontraditional mortgage products, 3-1579.45
Usury—See Usury ceilings, this heading.
Lenders, definition as to mortgage loans, 1-302.1
Loan, definition—See Definitions.
Member bank affiliates—See Affiliate-member bank relations.
Member banks, plan for employees; preferential lending, 3-1089.11
National banks
Real estate loan brokers, as, 1-121
Real estate loans, by, 1-207; 1-208
Nontraditional products, interagency guidance on risk management, 3-1579.45
Open-end, real estate, 6-166; 6-1163; 6-5166; 6-6163
Payment-option adjustable-rate, interagency guidance on risk management, 3-1579.45
Pledged-account mortgages, truth in lending disclosures, 6-1176.9; 6-6176.9
Pool, obligations from; not deposits for purposes of reserve requirements, 2-133
Price-level-adjusted mortgages, truth in lending disclosures, 6-1174.33; 6-1177.15; 6-1181.21; 6-6174.33; 6-6177.15; 6-6181.21
Qualified mortgage standard, 6-5972.69; 6-6185.5
Real property loans, definition as to mortgage loans, 1-302.1
See also Real estate.
Reduced-documentation loans, risk management, 3-1579.45
Residential manufactured homes, definition as to mortgage loans, 1-302.1
Residential real estate loans
See also Truth in lending, at Mortgages.
Application form, 6-072
Originator, investment in by operations subsidiary of state member bank permissible, 3-447.14
Settlement procedures—See Real estate settlement procedures.
Reverse mortgages—See Home-equity plans.
Risk management, interagency advisory on mortgage banking, 3-1579.41
Securities, mortgage-backed and -related—See Securities.
Servicing
Assets, interagency advisory on mortgage banking, 3-1579.41
Assignment, sale, or transfer of, 6-1356.1 et seq.; 6-1428.3
See also Real estate settlement procedures.
Banks not considered debt collectors, fair debt collection practices, 6-1713
Securitized mortgages, loss mitigation, 3-1579.455
Settlement procedures—See Real estate settlement procedures.
Shared-equity and -appreciation mortgages, 6-1175.9; 6-6175.9
State member banks, by; property in flood hazard areas, 3-213 et seq.
State statutes
Due-on-sale clauses, applicability under, 1-302.3
Usury ceilings—See Usury ceilings, this heading.
Subprime, safety-and-soundness guidelines, 3-1579.33; 3-1579.454
Transfers of mortgage loans, due-on-sale clauses, 1-302.3
Unauthorized issuance, as criminal offense, 1-462
Usury ceilings, state statutes; federal limitations on, 1-602 et seq.
Agricultural loans, 1-610 et seq.
Business loans, 1-610 et seq.
Date, effective, 1-615
Effect on other law, 1-618
Exceptions, 1-604 et seq.
Federal Home Loan Bank Board authority as to, 1-609
First-lien exceptions, 1-606
Other loans, 1-614
Repeal of existing law, 1-619
Variable-rate—See Truth in lending.
Workout arrangements, interagency statement encouraging, 3-1579.453
Servicers of securitized mortgages, loss mitigation, 3-1579.455
Municipal securities—See Securities.
Municipal Securities Rulemaking Board, 5-141 et seq.
Composition of board, 5-142
Definition, 5-142
Discipline of members or employees, 5-152
Election and nomination of members, 5-143
Fees, 5-143
Fraudulent and manipulative practices prohibited, 5-143
Information to be provided by issuer, 5-153
Operation, 5-143
Representatives, classes defined, 5-142
Rules, 5-143
Mutual funds—See also Investment companies.
Affiliated banks, shares of money market mutual funds; recordkeeping and confirmation rules, 3-447.02
Bank holding companies
Advisors, investment and finance; acting as to, 4-611
Capitalization, initial; providing, 4-612
Bank interests, acquisition of by corporations managing mutual funds, 4-270.3
Bank providing both advice and financial support to, 3-1579.42
Borrowing and lending securities by brokers and dealers, 5-610
Brokers and dealers, credit by and to
Borrowing and lending securities by brokers and dealers, 5-610
Cash accounts, 5-705
Collateral on credit by, 5-650.62
Liquidation of shares for stock purchase, 5-615.951
Prompt payment for shares, 5-506
Collateral, shares as, 5-924
Broker-dealer, credit by, 5-650.62
Exempted securities
Margin requirements, 5-443; 5-650.6
Margin accounts, purchase of in, 5-650.61
Money market mutual funds—See Money market mutual funds, this heading.
Corporations, bank holding companies; acquisition of bank interests by corporations managing mutual funds, 4-270.3
Credit for purchase of, 5-924
Brokers and dealers—See Brokers and dealers, credit by and to, this heading.
Indirect security, 5-917.2
Purpose credit, 5-814; 5-931
Working capital, loans to replenish used for purchase of shares, 5-818
Depository institutions
Financial support to institution-advised fund, providing, 3-1579.42
Retail sales by, 3-1579.51; 3-1579.52
Exempted securities—See Brokers and dealers, this heading.
Insurance
Policies funded by, indirect security, 5-917.191; 5-919.111
Premium funding programs
Order placed on same day as commitment to extend credit, 5-917.6
International banking, managing fund permissible in connection with, 3-542
Member banks
Affiliations with; bank acting as trustee acquiring majority of, 3-415.3
Money laundering
Programs to prevent, 3-1726.7 et seq.
Suspicious-activity reports, 3-1727.2 et seq.
Money market mutual funds
Definition, 5-397
Margin requirements, 5-443
Recordkeeping and confirmation, state member banks effecting transaction in, 3-447.02
Retail sales of by depository institutions, 3-1579.51; 3-1579.52
State member banks
Majority interest, 3-415.3
Officers or employees investing in, 3-273
Mutual savings banks
Bank holding companies
Assets and liabilities, acquiring; as activities closely related to banking, 4-315
Banks defined, as; in regard to, 4-156.1
Reorganization to form, 4-070
Definition, as to reserve requirements, 1-168; 2-210
Deposits, increase or decrease as to capital stock of Federal Reserve Banks, 3-490
Federal Reserve System membership
Admission, capital stock of Federal Reserve Banks, 1-069; 3-487
Deposits, increase or decrease as to capital stock of Federal Reserve Banks, 3-490
Effective date, 3-154
Merger, conversion to stock organization, upon, 1-394
Reserve requirements, 2-123
Rhode Island bank, bank holding company acquiring assets and liabilities; closely related to banking, 4-315
Stock organization, conversion upon merger, 1-394
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