Savings and Loan Holding Companies

Under the Home Owners' Loan Act (HOLA), a savings and loan holding company (SLHC) includes any company that directly or indirectly controls either a savings association or any other company that is an SLHC. Title III of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) transferred to the Board of Governors of the Federal Reserve System the supervisory functions of the Office of Thrift Supervision (OTS) related to SLHCs and their non-depository subsidiaries beginning on July 21, 2011. In general, the policy letters listed below pertain specifically to SLHCs or to the supervisory program of SLHCs but it is not a complete list. Review the text of each SR letter issued after July 21, 2011 to determine whether the guidance in that specific letter applies to SLHCs.

Policy Letters

Savings and Loan Holding Companies

Relying on the Work of the Regulators of the Subsidiary Insured Depository Institution(s) of Bank Holding Companies and Savings and Loan Holding Companies with Total Consolidated Assets of Less than $50 Billion

Incorporation of Federal Reserve Policies into the Savings and Loan Holding Company Supervision Program

Inspection Frequency and Scope Requirements for Bank Holding Companies and Savings and Loan Holding Companies with Total Consolidated Assets of $10 Billion or Less

Extension of the Use of Indicative Ratings for Savings and Loan Holding Companies

Guidance Regarding Prior Notices with Respect to Dividend Declarations by Savings Association Subsidiaries of Savings and Loan Holding Companies

Supervision of Savings and Loan Holding Companies (SLHCs)

Deregistration Procedures for Certain Savings and Loan Holding Companies

Rules and Regulations

"Notices of Intent" or "Notices of Proposed Rulemaking" are not final rules and should be reviewed for background information purposes only.

Federal Reserve

OCC and FDIC

Additional Resources

Manual References

  • Bank Holding Company Supervision Manual
    • Section 2010.0, "Supervision of Subsidiaries"
    • Section 2020.0, "Intercompany Transactions"
    • Section 2500.0, "Supervision of Savings and Loan Holding Companies"
    • Section 3111.0, "Section 4(c)(8) of the BHC Act (Acquisition of Savings Associations)"
    • Section 4010.0, "Parent Only (Debt Servicing Capacity-Cash Flow)"
    • Section 4060.0, "Consolidated Earnings"
    • Section 4070.0, "Bank Holding Company Rating System"
    • Section 5000.0, "BHC Inspection Program"
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Last Update: April 21, 2017