About Regulations

Congress has assigned to the Board responsibility for implementing the Federal Reserve Act, which established the Federal Reserve System, and certain other laws pertaining to a wide range of banking and financial activities. The Board implements those laws in part through its regulations, which are codified in title 12, chapter II, of the Code of Federal Regulations (12 CFR 201 et seq.).

On the All Regulations page above, you will find a brief description of each of the Board's regulations, with a link to the full text of the regulation--including interpretations or staff commentary--as it appears on the Electronic Code of Federal Regulations (e-CFR) web site authorized and maintained by the National Archives and Records Administration's Office of the Federal Register and the Government Printing Office (GPO). The e-CFR, which is updated several times a week, is a demonstration project, not the official legal version of the CFR. The official legal version of 12 CFR is updated just once a year, effective January 1, and must be used in conjunction with the Federal Register.

Although the e-CFR incorporates all amendments as they become effective, press releases and Federal Register notices for recent amendments are listed here to make them easier to research. To locate amendments effective before January 1, 2003, go to the Banking and Consumer Regulatory Policy page.

Links to all pending proposed amendments are also provided. During the comment period, comments on proposals may be submitted in writing or by electronic mail (see the text of the proposal for contact details) or by using the electronic comment form provided.

Also included above, are compliance guides for small entities.

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Last Update: September 11, 2019