12 CFR 201
Extensions of Credit by Federal Reserve Banks
Governs borrowing by depository institutions and others at the Federal Reserve discount window
12 CFR 202
Equal Credit Opportunity
Prohibits lenders from discriminating against credit applicants, establishes guidelines for gathering and evaluating credit information, and requires written notification when credit is denied
12 CFR 203 (Repealed)
Press release and notice (effective January 22, 2018)
12 CFR 204
Reserve Requirements of Depository Institutions
Sets uniform requirements for all depository institutions to maintain reserve balances either with their Federal Reserve Bank or as cash
Regulation (GPO) | Amendments | Compliance guide | Frequently asked questions
12 CFR 205
Electronic Fund Transfers
Establishes the rights, liabilities, and responsibilities of parties in electronic funds transfers and protects consumers when they use such systems
12 CFR 206
Limitations on Interbank Liabilities
Prescribes standards to limit the risks that the failure of a depository institution would pose to an insured depository institution
12 CFR 207
Disclosure and Reporting of CRA-Related Agreements
Implements provisions of the Gramm-Leach-Bliley Act that require reporting and public disclosure of written agreements between (1) insured depository institutions or their affiliates and (2) nongovernmental entities or persons, made in connection with fulfillment of Community Reinvestment Act requirements
12 CFR 208
Membership of State Banking Institutions in the Federal Reserve System
Defines the requirements for membership of state-chartered banks in the Federal Reserve System; sets limitations on certain investments and requirements for certain types of loans; describes rules pertaining to securities-related activities; establishes the minimum ratios of capital to assets that banks must maintain and procedures for prompt corrective action when banks are not adequately capitalized; prescribes real estate lending and appraisal standards; sets out requirements concerning bank security procedures, suspicious-activity reports, and compliance with the Bank Secrecy Act; and establishes rules governing banks' ownership or control of financial subsidiaries
Regulation (GPO) | Amendments | Compliance guide | Information security compliance guide | Frequently Asked Questions
12 CFR 209
Issue and Cancellation of Federal Reserve Bank Capital Stock
Sets out stock-subscription requirements for all banks joining the Federal Reserve System
12 CFR 210
Reg J Collection of Checks and Other Items by Federal Reserve Banks and Funds Transfers through the Fedwire Funds Service and the FedNow Service
Establishes procedures, duties, and responsibilities among (1) Federal Reserve Banks, (2) the senders and payors of checks and other items, and (3) the senders and recipients of funds transfers through the Fedwire Funds Service and the FedNow Service
12 CFR 211
International Banking Operations
Governs the international banking operations of U.S. banking organizations and the operations of foreign banks in the United States
Regulation (GPO) | Amendments | Order Delegating Authority (PDF) | Frequently Asked Questions
12 CFR 212
Management Official Interlocks
Generally prohibits a management official from serving two nonaffiliated depository institutions, depository institution holding companies, or any combination thereof, in situations where the management interlock would likely have an anticompetitive effect
Regulation (GPO) | Amendments | Compliance guide | Frequently Asked Questions
12 CFR 213
Consumer Leasing
Implements the consumer leasing provisions of the Truth in Lending Act by requiring meaningful disclosure of leasing terms
12 CFR 214
Relations with Foreign Banks and Bankers
Governs relationships and transactions between Federal Reserve Banks and foreign banks, bankers, or governments
12 CFR 215
Loans to Executive Officers, Directors, and Principal Shareholders of Member Banks
Restricts credit that a member bank may extend to its executive officers, directors, and principal shareholders and their related interests
Regulation (GPO) | Amendments | Compliance guide | Frequently Asked Questions
12 CFR 216
Long-Term Debt Requirements
Proposal to require large banks to maintain long-term debt to improve financial stability and resolution (comments due January 16, 2024)
12 CFR 217
Capital Adequacy of Bank Holding Companies, Savings and Loan Holding Companies, and State Member Banks
Establishes minimum capital requirements and overall capital adequacy standards for Board-regulated institutions
Regulation (GPO) | Press release and notice | Correction (PDF)
12 CFR 218
Exceptions for Banks from the Definition of Broker in the Securities Exchange Act of 1934
Defines the scope of securities activities that banks may conduct without registering with the Securities Exchange Commission as a securities broker and implements the most important exceptions from the definition of the term broker for banks under section 3(a)(4) of the Securities Exchange Act of 1934. Specifically, the regulation implements the statutory exceptions that allow a bank, subject to certain conditions, to continue to conduct securities transactions for its customers as part of its trust and fiduciary, custodial, and deposit "sweep" functions and to refer customers to a securities broker-dealer pursuant to a networking arrangement with the broker-dealer.
12 CFR 219
Reimbursement to Financial Institutions for Providing Financial Records; Recordkeeping Requirements for Certain Financial Records
Establishes rates and conditions for reimbursement to financial institutions for providing customer records to a government authority and prescribes recordkeeping and reporting requirements for insured depository institutions making domestic wire transfers and for insured depository institutions and nonbank financial institutions making international wire transfers
12 CFR 220
Credit by Brokers and Dealers
Governs extension of credit by securities brokers and dealers, including all members of national securities exchanges (See also Regulations U and X.)
12 CFR 221
Credit by Banks and Persons other than Brokers or Dealers for the Purpose of Purchasing or Carrying Margin Stock
Governs extension of credit by banks or persons other than brokers or dealers to finance the purchase or the carrying of margin securities (See also Regulations T and X.)
12 CFR 222
Fair Credit Reporting
Proposed rules to implement the notice and opt-out provisions of the Fair Credit Reporting Act applicable to financial institutions that give their affiliates certain information about consumers
Agencies issue frequently asked questions on identity theft rules
Press release concerning Fair Credit Reporting Act and privacy notices
12 CFR 223
Transactions between Member Banks and Their Affiliates
Implements sections 23A and 23B of the Federal Reserve Act, which establish certain restrictions on and requirements for transactions between a member bank and its affiliates
12 CFR 224
Borrowers of Securities Credit
Applies the provisions of Regulations T and U to borrowers who are subject to U.S. laws and who obtain credit within or outside the United States for the purpose of purchasing securities
12 CFR 225
Bank Holding Companies and Change in Bank Control
Regulates the acquisition of control of banks and bank holding companies by companies and individuals, defines and regulates the nonbanking activities in which bank holding companies (including financial holding companies) and foreign banking organizations with United States operations may engage, and establishes the minimum ratios of capital to assets that bank holding companies must maintain
Regulation (GPO) | Amendments | Order Delegating Authority (PDF) | Information security compliance guide | Frequently Asked Questions
12 CFR 226
Truth in Lending
Prescribes uniform methods for computing the cost of credit, for disclosing credit terms, and for resolving errors on certain types of credit accounts
12 CFR 227 (Repealed)
Press release and notice (effective March 21, 2016)
12 CFR 228
Community Reinvestment
Implements the Community Reinvestment Act and encourages banks to help meet the credit needs of their communities
12 CFR 229
Availability of Funds and Collection of Checks
Governs the availability of funds deposited in checking accounts and the collection and return of checks
Regulation (GPO) | Amendments
Compliance guide | Compliance with Regulation CC: A Guide for Financial Institutions
12 CFR 230 (Repealed)
Press release and notice (effective June 30, 2014)
12 CFR 231
Netting Eligibility for Financial Institutions
Defines financial institutions to be covered by statutory provisions that validate netting contracts, thereby permitting one institution to pay or receive the net, rather than the gross, amount due, even if the other institution is insolvent
12 CFR 232
Obtaining and Using Medical Information in Connection with Credit
Creates exceptions to the statutory prohibition against obtaining or using medical information in connection with determining eligibility for credit
12 CFR 233
Prohibition on Funding of Unlawful Internet Gambling
Requires U.S. financial firms that participate in designated payment systems to establish and implement policies and procedures reasonably designed to prevent payments connected to unlawful Internet gambling
Regulation (GPO) | Press release and notice | Compliance guide
12 CFR 234
Designated Financial Market Utilities
Establishes standards and procedures related to the supervision of financial market utilities designated as systemically important (effective September 14, 2012)
Regulation (GPO) | Press release and notice
12 CFR 235
Debit Card Interchange Fees and Routing
Establishes standards for debit card interchange fees and prohibits payment card network exclusivity arrangements and routing restrictions for debit card transactions (effective October 1, 2011)
Regulation (GPO) | Press release and notice | Compliance guide | Frequently asked questions
12 CFR 236 (Proposed)
Incentive-Based Compensation Arrangements
Ensures that regulated financial institutions design their incentive compensation arrangements to take account of risk
Press release and notice
12 CFR 237
Swaps Margin and Swaps Push-Out
Establishes margin and capital requirements for swap dealers and swap participants
Regulation (GPO) | Press release and notice
12 CFR 238
Savings and Loan Holding Companies
Regulates the acquisition of control of savings associations, defines and regulates the activities of savings and loan holding companies, and sets forth procedures under which directors and executive officers may be appointed or employed
Regulation (GPO) | Press release and notice (effective September 13, 2011, comments due November 1, 2011) | Order Delegating Authority (PDF) | Frequently Asked Questions
12 CFR 239
Mutual Holding Companies
(1) Regulates the reorganization of mutual savings associations to mutual holding companies and the creation of subsidiary holding companies of mutual holding companies, (2) defines and regulates the operations of mutual holding companies and their subsidiary holding companies, and (3) sets forth procedures for securing approval for these transactions
Regulation (GPO) | Press release and notice (effective September 13, 2011, comments due November 1, 2011) | Order Delegating Authority (PDF)
12 CFR 240
Retail Foreign Exchange Transactions
Sets standards for banking organizations regulated by the Federal Reserve that engage in certain types of foreign exchange transactions with retail consumers
Regulation (GPO) | Press release and notice
12 CFR 241
Securities Holding Companies
Outlines the procedures for securities holding companies to elect to be supervised by the Federal Reserve (effective July 20, 2012)
Regulation (GPO) | Press release and notice
12 CFR 242
Definitions Relating to Title I of the Dodd-Frank Act
Establishes the criteria for determining if a company is predominantly engaged in financial activities and defines the terms significant nonbank financial company and significant bank holding company (effective May 6, 2013)
Regulation (GPO) | Press release and notice
12 CFR 243
Resolution Plans
Requires large, systemically significant bank holding companies and nonbank financial companies to submit annual resolution plans (effective November 30, 2011)
Regulation (GPO) | Press release and notice
12 CFR 244
Credit Risk Retention
Establishes requirements for sponsors of asset-backed securities and the credit risk of the assets underlying the securities (effective February 23, 2015)
Regulation (GPO) | Press release and notice
12 CFR 246
Supervision and Regulation Assessments of Fees
Establishes annual assessment fees for certain bank holding companies, savings and loan holding companies, and nonbank financial companies supervised by the Federal Reserve (effective October 25, 2013)
Regulation (GPO) | Press release and notice
12 CFR 248
Proprietary Trading and Relationships with Covered Funds
Establishes prohibitions and restrictions on proprietary trading and investments in or relationships with covered funds by certain banking entities
Regulation (GPO) | Press release and notice
12 CFR 249
Liquidity Risk Measurement Standards
Establishes a minimum liquidity standard for certain Board-regulated institutions on a consolidated basis
Regulation (GPO) | Press release and notice
12 CFR 251
Concentration Limit
Establishes a financial sector concentration limit that prohibits a financial company from combining with another company if the resulting company's consolidated liabilities would exceed 10 percent of the aggregate consolidated liabilities of all financial companies (effective January 1, 2015)
Regulation (GPO) | Press release and notice
12 CFR 252
Enhanced Prudential Standards
Implements the enhanced prudential standards and the early remediation requirements mandated by the Dodd-Frank Act for large bank holding companies and systemically important nonbank financial firms (effective November 15, 2012)
Regulation (GPO) | Press release and notice | Frequently Asked Questions
12 CFR 253
Regulations Implementing the Adjustable Interest Rate (LIBOR) Act
Implements the Adjustable Interest Rate (LIBOR) Act by identifying benchmark rates based on SOFR (Secured Overnight Financing Rate) that will replace LIBOR in certain financial contracts after June 30, 2023 (effective February 27, 2023)
Regulation (GPO) │ Press release and notice
12 CFR 265
Rules Regarding Delegation of Authority
Details the functions that the Board has delegated pursuant to section 11(k) of the Federal Reserve Act.