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Federal Reserve Act and Related Statutes
Federal Reserve Act
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SECTION 26 [Repealed]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
Administrative Procedure
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
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
SECTION 701—Application; Definitions
SECTION 702—Right of Review
SECTION 703—Form and Venue of Proceeding
SECTION 704—Actions Reviewable
SECTION 705—Relief Pending Review
SECTION 706—Scope of Review
Antitrust Laws
SHERMAN ANTITRUST ACT
SECTION 1—Restraint of Trade
CLAYTON ANTITRUST ACT
SECTION 7—Acquisitions of Stock
SECTION 8—Interlocking Directorates
SECTION 11—Enforcement
SECTION 15—Powers of Attorney General
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
SECTIONS 16-32—Increases in Quota of United States and Capital Stock of Bank; Loans to Fund
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
Crimes and Bank Protection
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
SECTION 2—Federal Supervisory Agency Defined
SECTION 3—Security Measures
SECTION 4—Insurance Rates; Report to Congress
SECTION 5—Penalties for Violation
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
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
SECTION 721—Purpose
SECTION 722—Definitions
SECTION 723—Termination of Closed Receivership Fund
SECTION 731—Purpose
SECTION 732—Definitions
SECTION 733—Disposition of Unclaimed Property
SECTION 734—Rulemaking Authority
SECTION 735—Severability
TITLE VIII—FINANCIAL REGULATION SIMPLIFICATION ACT OF 1980
TITLE IX—FOREIGN CONTROL OF UNITED STATES FINANCIAL INSTITUTIONS
SECTION 901—Definitions
SECTION 902—Moratorium
Economic Policy, Assignment of Claims, and Credit Controls
POLICY DECLARATION IN EMPLOYMENT ACT OF 1946
ASSIGNMENT OF CLAIMS
AUTHORITY FOR SELECTIVE CREDIT CONTROL
Defense Production Act of September 8, 1950
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
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
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
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
Money and Credit
LEGAL TENDER
GOLD CLAUSES
USE OF MONETARY GOLD STOCK OF THE UNITED STATES
Buying and Selling Gold
Transferring Gold and Gold Certificates
Withdrawal of Gold Coin from Circulation
Redemption and Cancellation of Currency
Stabilizing Exchange Rates and Arrangements
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
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
Debentures Issued Under National Housing Act
Obligations of Commodity Credit Corporation
Monetary Policy and Reserve Requirements
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
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
Banks and Banking
Regulation F: Limitations on Interbank Liabilities
SECTION 206.1—Authority, Purpose, and Scope
SECTION 206.2—Definitions
SECTION 206.3—Prudential Standards
SECTION 206.4—Credit Exposure
SECTION 206.5—Capital Levels of Correspondents
SECTION 206.6—Waiver
Regulation H: Membership of State Banking Institutions in the Federal Reserve System
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
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
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
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
SECTION 208.50—Authority, Purpose, and Scope
SECTION 208.51—Real Estate Lending Standards
SUBPART F—MISCELLANEOUS REQUIREMENTS
SECTION 208.60—Authority, Purpose, and Scope
SECTION 208.61—Bank Security Procedures
SECTION 208.62—Suspicious-Activity Reports
SECTION 208.63—Procedures for Monitoring Bank Secrecy Act Compliance
SECTION 208.64—Frequency of Examination
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
SECTION 208.120—Authority, Purpose, and Scope
SECTION 208.121—Definitions
SECTION 208.122—Reporting
SECTION 208.123—Reduced Reporting
SECTION 208.124—Reservation of Authority
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]
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
Regulation K: International Banking Operations
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
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
SECTION 211.31—Authority, Purpose, and Scope
SECTION 211.32—Definitions
SECTION 211.33—Investments and Extensions of Credit
SECTION 211.34—Procedures for Filing and Processing Notices
SUBPART D—INTERNATIONAL LENDING SUPERVISION
SECTION 211.41—Authority, Purpose, and Scope
SECTION 211.42—Definitions
SECTION 211.43—Allocated Transfer-Risk Reserve
SECTION 211.44—Reporting and Disclosure of International Assets
SECTION 211.45—Accounting for Fees on International Loans
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
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
Regulation Q: Capital Adequacy of Bank Holding Companies, Savings and Loan Holding Companies, and State Member Banks
SUBPART A—GENERAL PROVISIONS
SECTION 217.1—Purpose, Applicability, Reservations of Authority, and Timing
SECTION 217.2—Definitions
SECTION 217.3—Operational Requirements for Counterparty Credit Risk
SECTIONS 217.4-217.9—[Reserved]
SUBPART B—CAPITAL RATIO REQUIREMENTS AND BUFFERS
SECTION 217.10—Minimum Capital Requirements
SECTION 217.11—Capital Conservation Buffer, Countercyclical Capital Buffer Amount, and GSIB Surcharge
SECTION 217.12—Community Bank Leverage Ratio Framework
SECTIONS 217.13-217.19—[Reserved]
SUBPART C—DEFINITION OF CAPITAL
SECTION 217.20—Capital Components and Eligibility Criteria for Regulatory Capital Instruments
SECTION 217.21—Minority Interest
SECTION 217.22—Regulatory Capital Adjustments and Deductions
SECTIONS 217.23-217.29—[Reserved]
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]
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]
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]
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
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
SECTION 219.1—Authority, Purpose and Scope
SECTION 219.2—Definitions
SECTION 219.3—Cost Reimbursement
Appendix A to Section 219.3—Reimbursement Schedule
SECTION 219.4—Exceptions
SECTION 219.5—Conditions for Payment
SECTION 219.6—Payment Procedures
SUBPART B—RECORDKEEPING AND REPORTING REQUIREMENTS FOR FUNDS TRANSFERS AND TRANSMITTALS OF FUNDS
SECTION 219.21—Authority, Purpose and Scope
SECTION 219.22—Definitions
SECTION 219.23—Recordkeeping and Reporting Requirements
SECTION 219.24—Retention Period
Regulation W: Transactions Between Member Banks and Their Affiliates
SUBPART A—INTRODUCTION AND DEFINITIONS
SECTION 223.1—Authority, Purpose, and Scope
SECTION 223.2—What is an “affiliate” for purposes of sections 23A and 23B and this part?
SECTION 223.3—What are the meanings of the other terms used in sections 23A and 23B and this part?
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
SECTION 223.61—How do sections 23A and 23B apply to U.S. branches and agencies of foreign banks?
SUBPART H—MISCELLANEOUS INTERPRETATIONS
SUBPART I—SAVINGS ASSOCIATIONS—TRANSACTIONS WITH AFFILIATES
SECTION 223.72—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
SECTION 237.20—Definitions
SECTION 237.21—Definition of Insured Depository Institution for Purposes of Section 716 of the Dodd-Frank Act
SECTION 237.22—Transition Period for Insured Depository Institutions
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
SECTION 248.1—Authority, Purpose, Scope, and Relationship to Other Authorities
SECTION 248.2—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
SECTION 248.20—Program for Compliance; Reporting
SECTION 248.21—Termination of Activities or Investments; Penalties for Violations
APPENDIX A—Reporting and Recordkeeping Requirements for Covered Trading Activities
Regulation WW: Liquidity Risk Measurement, Standards, and Monitoring
SUBPART A—GENERAL PROVISIONS
SECTION 249.1—Purpose and Applicability
SECTION 249.2—Reservation of Authority
SECTION 249.3—Definitions
SECTION 249.4—Certain Operational Requirements
SUBPART B—LIQUIDITY COVERAGE RATIO
SECTION 249.10—Liquidity Coverage Ratio
SUBPART C—HIGH-QUALITY LIQUID ASSETS
SECTION 249.20—High-Quality Liquid Asset Criteria
SECTION 249.21—High-Quality Liquid Asset Amount
SECTION 249.22—Requirements for Eligible High-Quality Liquid Assets
SUBPART D—TOTAL NET CASH OUTFLOW
SECTION 249.30—Total Net Cash Outflow Amount
SECTION 249.31—Determining Maturity
SECTION 249.32—Outflow Amounts
SECTION 249.33—Inflow Amounts
SECTION 249.34—Cash Flows Related to Covered Federal Reserve Facility Funding
SUBPART E—LIQUIDITY COVERAGE SHORTFALL
SECTION 249.40—Liquidity Coverage Shortfall: Supervisory Framework
SUBPART F—TRANSITIONS
SECTION 249.50—Transitions
SUBPARTS G-I [RESERVED]
SUBPART J—DISCLOSURES
SECTION 249.90—Timing, Method and Retention of Disclosures
SECTION 249.91—Disclosure Requirements
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
SECTION 249.110—NSFR Shortfall: Supervisory Framework
SUBPART M—TRANSITIONS
SECTION 249.120—Transitions
SUBPART N—NSFR PUBLIC DISCLOSURE
SECTION 249.130—Timing, Method, and Retention of Disclosures
SECTION 249.131—Disclosure Requirements
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
Bank Secrecy Act Regulations (Department of the Treasury, FinCEN)
PARTS 1000-1009 [RESERVED]
PART 1010—GENERAL PROVISIONS
SUBPART A—GENERAL DEFINITIONS
SECTION 1010.100—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
SECTION 1010.500—General
SECTION 1010.505—Definitions
SECTION 1010.520—Information Sharing Between Government Agencies and Financial Institutions
SECTION 1010.530—[Reserved]
SECTION 1010.540—Voluntary Information Sharing Among Financial Institutions
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 1010.670—Summons or Subpoena of Foreign Bank Records; Termination of Correspondent Relationship
SUBPART G—ADMINISTRATIVE RULINGS
SECTION 1010.710—Scope
SECTION 1010.711—Submitting Requests
SECTION 1010.712—Nonconforming Requests
SECTION 1010.713—Oral Communications
SECTION 1010.714—Withdrawing Requests
SECTION 1010.715—Issuing Rulings
SECTION 1010.716—Modifying or Rescinding Rulings
SECTION 1010.717—Disclosing Information
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
SECTION 1010.911—General
SECTION 1010.912—Persons Who May Issue Summons
SECTION 1010.913—Contents of Summons
SECTION 1010.914—Service of Summons
SECTION 1010.915—Examination of Witnesses and Records
SECTION 1010.916—Enforcement of Summons
SECTION 1010.917—Payment of Expenses
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
SECTION 1020.100—Definitions
SUBPART B—PROGRAMS
SECTION 1020.200—General
SECTION 1020.210—Anti-Money Laundering Program Requirements for Banks
SECTION 1020.220—Customer Identification Program Requirements for Banks
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
SECTION 1020.400—General
SECTION 1020.410—Records to Be Made and Retained by Banks
SUBPART E—SPECIAL INFORMATION SHARING PROCEDURES TO DETER MONEY LAUNDERING AND TERRORIST ACTIVITY
SECTION 1020.500—General
SECTION 1020.520—Special Information Sharing Procedures to Deter Money Laundering and Terrorist Activity for Banks
SECTION 1020.530—[Reserved]
SECTION 1020.540—Voluntary Information Sharing Among Financial Institutions
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
SECTION 1021.100—Definitions
SUBPART B—PROGRAMS
SECTION 1021.200—General
SECTION 1021.210—Anti-Money Laundering Program Requirements for Casinos
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
SECTION 1021.400—General
SECTION 1021.410—Additional Records to Be Made and Retained by Casinos
SUBPART E—SPECIAL INFORMATION SHARING PROCEDURES TO DETER MONEY LAUNDERING AND TERRORIST ACTIVITY FOR CASINOS AND CARD CLUBS
SECTION 1021.500—General
SECTION 1021.520—Special Information Sharing Procedures to Deter Money Laundering and Terrorist Activity for Casinos and Card Clubs
SECTION 1021.530—[Reserved]
SECTION 1021.540—Voluntary Information Sharing Among Financial Institutions
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
SECTION 1022.100—Definitions
SUBPART B—PROGRAMS
SECTION 1022.200—General
SECTION 1022.210—Anti-Money Laundering Programs for Money Services Businesses
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
SECTION 1022.400—General
SECTION 1022.410—Additional Records to Be Made and Retained by Dealers in Foreign Exchange
SECTION 1022.420—Additional Records to Be Maintained By Providers and Sellers of Prepaid Access
SUBPART E—SPECIAL INFORMATION SHARING PROCEDURES TO DETER MONEY LAUNDERING AND TERRORIST ACTIVITY
SECTION 1022.500—General
SECTION 1022.520—Special Information Sharing Procedures to Deter Money Laundering and Terrorist Activity for Money Services Businesses
SECTION 1022.530—[Reserved]
SECTION 1022.540—Voluntary Information Sharing Among Financial Institutions
SUBPART F—SPECIAL STANDARDS OF DILIGENCE; PROHIBITIONS; AND SPECIAL MEASURES FOR MONEY SERVICES BUSINESSES
SECTION 1022.600—General
SECTION 1022.610—[Reserved]
SECTION 1022.620—[Reserved]
SECTION 1022.630—[Reserved]
SECTION 1022.640—[Reserved]
SECTION 1022.670—[Reserved]
PART 1023—RULES FOR BROKERS OR DEALERS IN SECURITIES
SUBPART A—DEFINITIONS
SECTION 1023.100—Definitions
SUBPART B—PROGRAMS
SECTION 1023.200—General
SECTION 1023.210—Anti-Money Laundering Program Requirements for Brokers or Dealers in Securities
SECTION 1023.220—Customer Identification Programs for Broker-Dealers
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
SECTION 1023.400—General
SECTION 1023.410—Additional Records to Be Made and Retained by Brokers or Dealers in Securities
SUBPART E—SPECIAL INFORMATION SHARING PROCEDURES TO DETER MONEY LAUNDERING AND TERRORIST ACTIVITY
SECTION 1023.500—General
SECTION 1023.520—Special Information Sharing Procedures to Deter Money Laundering and Terrorist Activity for Brokers or Dealers in Securities
SECTION 1023.530—[Reserved]
SECTION 1023.540—Voluntary Information Sharing Among Financial Institutions
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
SECTION 1024.100—Definitions
SUBPART B—PROGRAMS
SECTION 1024.200—General
SECTION 1024.210—Anti-Money Laundering Programs for Mutual Funds
SECTION 1024.220—Customer Identification Programs for Mutual Funds
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
SECTION 1024.400—General
SECTION 1024.410—Recordkeeping
SUBPART E—SPECIAL INFORMATION SHARING PROCEDURES TO DETER MONEY LAUNDERING AND TERRORIST ACTIVITY
SECTION 1024.500—General
SECTION 1024.520—Special Information Sharing Procedures to Deter Money Laundering and Terrorist Activity for Mutual Funds
SECTION 1024.530—[Reserved]
SECTION 1024.540—Voluntary Information Sharing Among Financial Institutions
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
SECTION 1025.100—Definitions
SUBPART B—PROGRAMS
SECTION 1025.200—General
SECTION 1025.210—Anti-Money Laundering Programs for Insurance Companies
SUBPART C—REPORTS REQUIRED TO BE MADE BY INSURANCE COMPANIES
SECTION 1025.300—General
SECTION 1025.310—[Reserved]
SECTION 1025.315—[Reserved]
SECTION 1025.320—Reports by Insurance Companies of Suspicious Transactions
SECTION 1025.330—Reports Relating to Currency in Excess of $10,000 Received in a Trade or Business
SUBPART D—RECORDS REQUIRED TO BE MAINTAINED BY INSURANCE COMPANIES
SECTION 1025.400—General
SECTION 1025.410—Recordkeeping
SUBPART E—SPECIAL INFORMATION SHARING PROCEDURES TO DETER MONEY LAUNDERING AND TERRORIST ACTIVITY
SECTION 1025.500—General
SECTION 1025.520—Special Information Sharing Procedures to Deter Money Laundering and Terrorist Activity for Insurance Companies
SECTION 1025.530—[Reserved]
SECTION 1025.540—Voluntary Information Sharing Among Financial Institutions
SUBPART F—SPECIAL STANDARDS OF DILIGENCE; PROHIBITIONS; AND SPECIAL MEASURES FOR INSURANCE COMPANIES
SECTION 1025.600—[Reserved]
SECTION 1025.610—[Reserved]
SECTION 1025.620—[Reserved]
SECTION 1025.630—[Reserved]
SECTION 1025.640—[Reserved]
SECTION 1025.670—[Reserved]
PART 1026—RULES FOR FUTURES COMMISSION MERCHANTS AND INTRODUCING BROKERS IN COMMODITIES
SUBPART A—DEFINITIONS
SECTION 1026.100—Definitions
SUBPART B—PROGRAMS
SECTION 1026.200—General
SECTION 1026.210—Anti-Money Laundering Program Requirements for Futures Commission Merchants and Introducing Brokers in Commodities
SECTION 1026.220—Customer Identification Programs for Futures Commission Merchants and Introducing Brokers
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
SECTION 1026.400—General
SECTION 1026.410—Recordkeeping
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
SECTION 1027.100—Definitions
SUBPART B—PROGRAMS
SECTION 1027.200—General
SECTION 1027.210—Anti-Money Laundering Programs for Dealers in Precious Metals, Precious Stones, or Jewels
SUBPART C—REPORTS REQUIRED TO BE MADE BY DEALERS IN PRECIOUS METALS, PRECIOUS STONES, OR JEWELS
SECTION 1027.300—General
SECTION 1027.310—[Reserved]
SECTION 1027.315—[Reserved]
SECTION 1027.320—[Reserved]
SECTION 1027.330—Reports Relating to Currency in Excess of $10,000 Received in a Trade or Business
SUBPART D—RECORDS REQUIRED TO BE MAINTAINED BY DEALERS IN PRECIOUS METALS, PRECIOUS STONES, OR JEWELS
SECTION 1027.400—General
SECTION 1027.410—Recordkeeping
SUBPART E—SPECIAL INFORMATION SHARING PROCEDURES TO DETER MONEY LAUNDERING AND TERRORIST ACTIVITY
SECTION 1027.500—General
SECTION 1027.520—Special Information Sharing Procedures to Deter Money Laundering and Terrorist Activity for Dealers in Precious Metals, Precious Stones, or Jewels
SECTION 1027.530—[Reserved]
SECTION 1027.540—Voluntary Information Sharing Among Financial Institutions
SUBPART F—SPECIAL STANDARDS OF DILIGENCE; PROHIBITIONS; AND SPECIAL MEASURES FOR DEALERS IN PRECIOUS METALS, PRECIOUS STONES, OR JEWELS
SECTION 1027.600—[Reserved]
SECTION 1027.610—[Reserved]
SECTION 1027.620—[Reserved]
SECTION 1027.630—[Reserved]
SECTION 1027.640—[Reserved]
SECTION 1027.670—[Reserved]
PART 1028—RULES FOR OPERATORS OF CREDIT CARD SYSTEMS
SUBPART A—DEFINITIONS
SECTION 1028.100—Definitions
SUBPART B—PROGRAMS
SECTION 1028.200—General
SECTION 1028.210—Anti-Money Laundering Programs for Operators of Credit Card Systems
SUBPART C—REPORTS REQUIRED TO BE MADE BY OPERATORS OF CREDIT CARD SYSTEMS
SECTION 1028.300—General
SECTION 1028.310—[Reserved]
SECTION 1028.315—[Reserved]
SECTION 1028.320—[Reserved]
SECTION 1028.330—Reports Relating to Currency in Excess of $10,000 Received in a Trade or Business
SUBPART D—RECORDS REQUIRED TO BE MAINTAINED BY OPERATORS OF CREDIT CARD SYSTEMS
SECTION 1028.400—General
SECTION 1028.410—Recordkeeping
SUBPART E—SPECIAL INFORMATION SHARING PROCEDURES TO DETER MONEY LAUNDERING AND TERRORIST ACTIVITY
SECTION 1028.500—General
SECTION 1028.520—Special Information Sharing Procedures to Deter Money Laundering and Terrorist Activity for Operators of Credit Card Systems
SECTION 1028.530—[Reserved]
SECTION 1028.540—Voluntary Information Sharing Among Financial Institutions
SUBPART F—SPECIAL STANDARDS OF DILIGENCE; PROHIBITIONS; AND SPECIAL MEASURES FOR OPERATORS OF CREDIT CARD SYSTEMS
SECTION 1028.600—[Reserved]
SECTION 1028.610—[Reserved]
SECTION 1028.620—[Reserved]
SECTION 1028.630—[Reserved]
SECTION 1028.640—[Reserved]
SECTION 1028.670—[Reserved]
PART 1029—RULES FOR LOAN OR FINANCE COMPANIES
SUBPART A—DEFINITIONS
SECTION 1029.100—Definitions
SUBPART B—PROGRAMS
SECTION 1029.200—General
SECTION 1029.210—Anti-Money Laundering Programs for Loan or Finance Companies
SUBPART C—REPORTS REQUIRED TO BE MADE BY LOAN OR FINANCE COMPANIES
SECTION 1029.300—General
SECTION 1029.310—[Reserved]
SECTION 1029.315—[Reserved]
SECTION 1029.320—Reports by Loan or Finance Companies of Suspicious Transactions
SECTION 1029.330—Reports Relating to Currency in Excess of $10,000 Received in a Trade or Business
SUBPART D—RECORDS REQUIRED TO BE MAINTAINED BY LOAN OR FINANCE COMPANIES
SECTION 1029.400—General
SUBPART E—SPECIAL INFORMATION SHARING PROCEDURES TO DETER MONEY LAUNDERING AND TERRORIST ACTIVITY
SECTION 1029.500—General
SECTION 1029.520—Special Information Sharing Procedures to Deter Money Laundering and Terrorist Activity for Loan or Finance Companies
SECTION 1029.530—[Reserved]
SECTION 1029.540—Voluntary Information Sharing Among Financial Institutions
SUBPART F—SPECIAL STANDARDS OF DILIGENCE; PROHIBITIONS, AND SPECIAL MEASURES FOR LOAN OR FINANCE COMPANIES
SECTION 1029.600—[Reserved]
SECTION 1029.610—[Reserved]
SECTION 1029.620—[Reserved]
SECTION 1029.630—[Reserved]
SECTION 1029.640—[Reserved]
SECTION 1029.670—[Reserved]
PART 1030—RULES FOR HOUSING GOVERNMENT SPONSORED ENTERPRISES
SUBPART A—DEFINITIONS
SECTION 1030.100—Definitions
SUBPART B—PROGRAMS
SECTION 1030.200—General
SECTION 1030.210—Anti-Money Laundering Programs for Housing Government Sponsored Enterprises
SUBPART C—REPORTS REQUIRED TO BE MADE BY HOUSING GOVERNMENT SPONSORED ENTERPRISES
SECTION 1030.300—General
SECTIONS 1030.310-1030.315— [Reserved]
SECTION 1030.320—Reports by Housing Government Sponsored Enterprises of Suspicious Transactions
SECTION 1030.330—Reports Relating to Currency in Excess of $10,000 Received in a Trade or Business
SUBPART D—RECORDS REQUIRED TO BE MAINTAINED BY HOUSING GOVERNMENT SPONSORED ENTERPRISES
SECTION 1030.400—General
SUBPART E—SPECIAL INFORMATION SHARING PROCEDURES TO DETER MONEY LAUNDERING AND TERRORIST ACTIVITY
SECTION 1030.500—General
SECTION 1030.520—Special Information Sharing Procedures to Deter Money Laundering and Terrorist Activity for Housing Government Sponsored Enterprises
SECTION 1030.530—[Reserved]
SECTION 1030.540—Voluntary Information Sharing among Financial Institutions
SECTIONS 1030.600-1030.670—[Reserved]
PARTS 1031-1059 [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
SECTION 225.31—Control Proceedings
SECTION 225.32—Rebuttable Presumptions of Control of a Company
SECTION 225.33—Rebuttable Presumptions of Noncontrol of a Company
SECTION 225.34—Total Equity
SUBPART E—CHANGE IN BANK CONTROL
SECTION 225.41—Transactions Requiring Prior Notice
SECTION 225.42—Transactions Not Requiring Prior Notice
SECTION 225.43—Procedures for Filing, Processing, Publishing, and Acting on Notices
SECTION 225.44—Reporting of Stock Loans
SUBPART F—LIMITATIONS ON NONBANK BANKS
SECTION 225.52—Limitation on Overdrafts
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
SECTION 225.71—Definitions
SECTION 225.72—Director and Officer Appointments; Prior-Notice Requirement
SECTION 225.73—Procedures for Filing, Processing, and Acting on Notices; Standards for Disapproval; Waiver of Notice
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
SECTION 225.200—Conditions to Board’s Section 20 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
SECTION 225.300—Authority, Purpose, and Scope
SECTION 225.301—Definitions
SECTION 225.302—Notification
SECTION 225.303—Bank Service Provider Notification
APPENDIX A—Capital Adequacy Guidelines for Bank Holding Companies: Risk-Based Measure
I. Overview
II. Definition of Qualifying Capital for the Risk-Based Capital Ratio
III. Procedures for Computing Weighted- Risk Assets and Off-Balance-Sheet Items
IV. Minimum Supervisory Ratios and Standards
Attachment I—Sample Calculation of Risk-Based Capital Ratio for Bank Holding Companies
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
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
SECTION 238.11—Transactions Requiring Board Approval
SECTION 238.12—Transactions Not Requiring Board Approval
SECTION 238.13—Prohibited Acquisitions
SECTION 238.14—Procedural Requirements
SECTION 238.15—Factors Considered in Acting on Applications
SUBPART C—CONTROL PROCEEDINGS
SECTION 238.21—Control Proceedings
SECTION 238.22—Rebuttable Presumptions of Control of a Company
SECTION 238.23—Rebuttable Presumption of Noncontrol of a Company
SUBPART D—CHANGE IN BANK CONTROL
SECTION 238.31—Transactions Requiring Prior Notice
SECTION 238.32—Transactions Not Requiring Prior Notice
SECTION 238.33—Procedures for Filing, Processing, Publishing, and Acting on Notices
SUBPART E—QUALIFIED STOCK ISSUANCES
SECTION 238.41—Qualified Stock Issuances by Undercapitalized Savings Associations or Holding Companies
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
SECTION 238.61—Scope
SECTION 238.62—Definitions
SECTION 238.63—Requirements to Engage in Financial Holding Company Activities
SECTION 238.64—Election Required
SECTION 238.65—Election Procedures
SECTION 238.66—Ongoing Requirements
SUBPART H—NOTICE OF CHANGE OF DIRECTOR OR SENIOR EXECUTIVE OFFICER
SECTION 238.71—Purpose
SECTION 238.72—Definitions
SECTION 238.73—Prior Notice Requirements
SECTION 238.74—Filing and Processing Procedures
SECTION 238.75—Standards for Review
SECTION 238.76—Waiting Period
SECTION 238.77—Waiver of Prior Notice Requirement
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
SECTION 238.101—Authority and Purpose
SECTION 238.102—Definitions
SECTION 238.103—Filing Requirement
SECTION 238.104—Board Action and Criteria for Review
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
SECTION 238.118—Applicability
SECTION 238.119—Risk Committee Requirement for Covered Savings and Loan Holding Companies with Total Consolidated Assets of $50 Billion or More
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
SECTION 238.120—Scope
SECTION 238.121—Applicability
SECTION 238.122—Risk-Management and Risk Committee Requirements
SECTION 238.123—Liquidity Risk-Management Requirements
SECTION 238.124—Liquidity Stress Testing and Buffer Requirements
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
SECTION 238.140—Authority and Purpose
SECTION 238.141—Definitions
SECTION 238.142—Applicability
SECTION 238.143—Stress Test
SECTION 238.144—Methodologies and Practices
SECTION 238.145—Reports of Stress Test Results
SECTION 238.146—Disclosure of Stress Test Results
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
SECTION 238.160—Definitions
SECTION 238.161—Applicability
SECTION 238.162—Capital Stress Testing Requirements
SUBPART S—CAPITAL PLANNING AND STRESS CAPITAL BUFFER REQUIREMENT
SECTION 238.170—Capital Planning and Stress Capital Buffer Requirement
APPENDIX A—Text of Large Financial Institution Rating System
Regulation MM: Mutual Holding Companies
SUBPART A—GENERAL PROVISIONS
SECTION 239.1—Authority, Purpose, and Scope
SECTION 239.2—Definitions
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
SECTION 239.40—Indemnification of Directors, Officers, and Employees
SECTION 239.41—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
SECTION 241.1—Authority and Purpose
SECTION 241.2—Definitions
SECTION 241.3—Registration as a Supervised Securities Holding Company
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
SECTION 244.1—Authority, Purpose, and Scope
SECTION 244.2—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
SECTION 244.11—Allocation of Risk Retention to an Originator
SECTION 244.12—Hedging, Transfer and Financing Prohibitions
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
SECTION 246.1—Authority, Purpose, and Scope
SECTION 246.2—Definitions
SECTION 246.3—Assessed Companies
SECTION 246.4—Assessments
SECTION 246.5—Notice of Assessment and Appeal
SECTION 246.6—Collection of Assessments; Payment of Interest
Regulation XX: Concentration Limit
SECTION 251.1—Authority, Purpose, and Other Authorities
SECTION 251.2—Definitions
SECTION 251.3—Concentration Limit
SECTION 251.4—Exceptions to the Concentration Limit
SECTION 251.5—No Evasion
SECTION 251.6—Reporting Requirements
Regulation YY: Enhanced Prudential Standards
SUBPART A—GENERAL PROVISIONS
SECTION 252.1—Authority and Purpose
SECTION 252.2—Definitions
SECTION 252.3—Reservation of Authority
SECTION 252.4—Nonbank Financial Companies Supervised by the Board
SECTION 252.5—Categorization of Banking Organizations
SUBPART B—COMPANY-RUN STRESS TEST REQUIREMENTS FOR STATE MEMBER BANKS WITH TOTAL CONSOLIDATED ASSETS OVER $250 BILLION
SECTION 252.10—[Reserved]
SECTION 252.11—Authority and Purpose
SECTION 252.12—Definitions
SECTION 252.13—Applicability
SECTION 252.14—Stress Test
SECTION 252.15—Methodologies and Practices
SECTION 252.16—Reports of Stress Test Results
SECTION 252.17—Disclosure of Stress Test Results
SUBPART C—RISK-COMMITTEE REQUIREMENT FOR BANK HOLDING COMPANIES WITH TOTAL CONSOLIDATED ASSETS OF $50 BILLION OR MORE AND LESS THAN $100 BILLION
SECTION 252.20—[Reserved]
SECTION 252.21—Applicability
SECTION 252.22—Risk-Committee Requirement for Bank Holding Companies with Total Consolidated Assets of $50 Billion or More
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
SECTION 252.130—[Reserved]
SECTION 252.131—Applicability
SECTION 252.132—Risk-Committee Requirements for Foreign Banking Organizations with Total Consolidated Assets of $50 Billion or More 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
SECTION 252.220—Debt-to-Equity Limits for U.S. Bank Holding Companies
SECTION 252.221—Debt-to-Equity Limits for Foreign Banking Organizations
APPENDIX A—Policy Statement on the Scenario Design Framework for Stress Testing
APPENDIX B—Stress Testing Policy Statement
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
SECTION 224.1—Authority, Purpose, and Scope
SECTION 224.2—Definitions
SECTION 224.3—Margin Regulations to Be Applied by Nonexempted Borrowers
Securities-Related Statutory Provisions
Securities Exchange Act
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
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)
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
APPENDIX A—Model Disclosure Clauses and Forms
A-1—Model Clauses for Unsolicited Issuance (§ 205.5(b)(2))
A-2—Model Clauses for Initial Disclosures (§ 205.7(b))
A-3—Model Forms for Error-Resolution Notice (§§ 205.7(b)(10) and 205.8(b)).
A-4—Model Form for Service-Providing Institutions (§ 205.14(b)(1)(ii))
A-5—Model Forms for Government Agencies (§ 205.15(d)(I)(i) and (ii))
A-6—Model Clauses for Authorizing One-Time Electronic Fund Transfers Using Information from a Check (§ 205.3(b)(2))
A-7—Model Clauses for Financial Institutions Offering Payroll Card Accounts (§ 205.18(c))
A-8—Model Clause for Electronic Collection of Returned-Item Fees (§ 205.3(b)(3))
A-9—Model Consent Form for Overdraft Services (§205.17)
APPENDIX B—Federal Enforcement Agencies
APPENDIX C—Issuance of Staff Interpretations
SUPPLEMENT I—Official Staff Commentary
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
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
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
SECTION 213.7—Advertising
SECTION 213.8—Record Retention
SECTION 213.9—Relation to State Laws
Appendix A-Model Forms
A-1—Model Open-End or Finance Vehicle Lease Disclosures
A-2—Model Closed-End or Net Vehicle Lease Disclosures
A-3—Model Furniture Lease Disclosures
APPENDIX B—Federal Enforcement Agencies
APPENDIX C—Issuance of Staff Interpretations
Regulation V: Fair Credit Reporting
SUBPART A—GENERAL PROVISIONS
SECTION 222.1—Purpose, Scope, and Effective Dates
SECTION 222.2—Examples
SECTION 222.3—Definitions
SUBPART B
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
SECTION 222.30—Obtaining or Using Medical Information in Connection with a Determination of Eligibility for Credit
SECTION 222.31—Limits on Redisclosure of Information
SECTION 222.32—Sharing Medical Information with Affiliates
SUBPART E—Duties of Furnishers of Information
SECTION 222.40—Scope
SECTION 222.41—Definitions
SECTION 222.42—Reasonable policies and procedures concerning the accuracy and integrity of furnished information
SECTION 222.43—Direct disputes
SUBPARTS F-G
SUBPART H—DUTIES OF USERS REGARDING RISK-BASED PRICING
SECTION 222.70—Scope
SECTION 222.71—Definitions
SECTION 222.72—General Requirements for Risk-Based Pricing Notices
SECTION 222.73—Content, Form, and Timing of Risk-Based Pricing Notices
SECTION 222.74—Exceptions
SECTION 222.75—Rules of Construction
SUBPART I—DUTIES OF USERS OF CONSUMER REPORTS REGARDING IDENTITY THEFT
SECTIONS 222.80-81
SECTION 222.82—Duties of Users Regarding Address Discrepancies
SECTION 222.83—Disposal of Consumer Information
SUBPART J—IDENTITY THEFT RED FLAGS
SECTION 222.90—Duties Regarding the Detection, Prevention, and Mitigation of Identity Theft
SECTION 222.91—Duties of Card Issuers Regarding Changes of Address
APPENDIX A
APPENDIX B—Model Notices of Furnishing Negative Information
APPENDIX C—Model Forms for Opt-Out Notices
C-1—Model Form for Initial Opt-Out Notice (Single-Affiliate Notice)
C-2—Model Form for Initial Opt-Out Notice (Joint Notice)
C-3—Model Form for Renewal Notice (Single-Affiliate Notice)
C-4—Model Form for Renewal Notice (Joint Notice)
C-5—Model Form for Voluntary “No Marketing” Notice
APPENDIX D
Appendix E to Part 222—Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies
I. Nature, Scope, and Objectives of Policies and Procedures
II. Establishing and Implementing Policies and Procedures
III. Specific Components of Policies and Procedures
APPENDIXES F-G
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 notice
H-3. Model form for credit score disclosure exeception for loans secured by one to four units of residential real property
H-4. Model form for credit score disclosure exception for loans and 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
APPENDIX J—Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation
Regulation Z: Truth in Lending
SUBPART A—GENERAL
SECTION 226.1—Authority, Purpose, Coverage, Organization, Enforcement, and Liability
SECTION 226.2—Definitions and Rules of Construction
SECTION 226.3—Exempt Transactions
SECTION 226.4—Finance Charge
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
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
SECTION 226.25—Record Retention
SECTION 226.26—Use of Annual Percentage Rate in Oral Disclosures
SECTION 226.27—Language of Disclosures
SECTION 226.28—Effect on State Laws
SECTION 226.29—State Exemptions
SECTION 226.30—Limitation on Rates
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
SECTION 226.46—Special Disclosure Requirements for Private Education Loans
SECTION 226.47—Content of Disclosures
SECTION 226.48—Limitations on Private Education Loans
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
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
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
SECTION 228.16—Facility-Based Assessment Areas
SECTION 228.17—Retail Lending Assessment Areas
SECTION 228.18—Outside Retail Lending Areas
SECTION 228.19—Areas for Eligible Community Development Loans, Community Development Investments, and Community Development Services
SECTION 228.20—[Reserved]
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
SECTION 228.42—Data Collection, Reporting, and Disclosure
SECTION 228.43—Content and Availability of Public File
SECTION 228.44—Public Notice by Banks
SECTION 228.45—Publication of Planned Examination Schedule
SECTION 228.46—Public Engagement
SUBPART E—TRANSITION RULES
SECTION 228.51—Applicability Dates and Transition Provisions
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)
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
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 to Part 1003—[Reserved]
APPENDIX B to Part 1003—Form and Instructions for Data Collection on Ethnicity, Race, and Sex
APPENDIX C to Part 1003—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 to Part 1005—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 to Part 1005—[Reserved]
APPENDIX C to Part 1005—Issuance of Official Interpretations
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 to Part 1013—Model Forms
A-1—Model Open-End or Finance Vehicle Lease Disclosures
A-2—Model Closed-End or Net Vehicle Lease Disclosures
A-3—Model Furniture Lease Disclosures
APPENDIX B to Part 1013—[Reserved]
APPENDIX C to Part 1013—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
SECTION 1016.10—Limits on Disclosure of Nonpublic Personal Information to Nonaffiliated Third Parties
SECTION 1016.11—Limits on Redisclosure and Reuse of Information
SECTION 1016.12—Limits on Sharing Account Number Information for Marketing Purposes
SUBPART C—EXCEPTIONS
SECTION 1016.13—Exception to Opt-Out Requirements for Service Providers and Joint Marketing
SECTION 1016.14—Exceptions to Notice and Opt-Out Requirements for Processing and Servicing Transactions
SECTION 1016.15—Other Exceptions to Notice and Opt-Out Requirements
SUBPART D—RELATION TO OTHER LAWS
SECTION 1016.16—Protection of Fair Credit Reporting Act
SECTION 1016.17—Relation to State Laws
APPENDIX to Part 1016—Model Privacy Form
CFPB's Regulation V: Fair Credit Reporting
SUBPART A—GENERAL PROVISIONS
SECTION 1022.1—Purpose, Scope, and Model Forms and Disclosures
SECTION 1022.2—Examples
SECTION 1022.3—Definitions
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
SUBPART E—DUTIES OF FURNISHERS OF INFORMATION
SECTION 1022.40—Scope
SECTION 1022.41—Definitions
SECTION 1022.42—Reasonable Policies and Procedures Concerning the Accuracy and Integrity of Furnished Information
SECTION 1022.43—Direct Disputes
SUBPART F—DUTIES OF USERS REGARDING OBTAINING AND USING CONSUMER REPORTS
SECTIONS 1022.50-1022.53—[Reserved]
SECTION 1022.54—Duties of Users Making Written Firm Offers of Credit or Insurance Based on Information Contained in Consumer Files
SECTIONS 1022.55-1022.59—[Reserved]
SUBPART G—[RESERVED]
SUBPART H—DUTIES OF USERS REGARDING RISK-BASED PRICING
SECTION 1022.70—Scope
SECTION 1022.71—Definitions
SECTION 1022.72—General Requirements for Risk-Based Pricing Notices
SECTION 1022.73—Content, Form, and Timing of Risk-Based Pricing Notices
SECTION 1022.74—Exceptions
SECTION 1022.75—Rules of Construction
SUBPART I—DUTIES OF USERS OF CONSUMER REPORTS REGARDING IDENTITY THEFT
SECTIONS 1022.80-1022.81—[Reserved]
SECTION 1022.82—Duties of Users Regarding Address Discrepancies
SUBPARTS J-L—[RESERVED]
SUBPART M—DUTIES OF CONSUMER REPORTING AGENCIES REGARDING IDENTITY THEFT
SECTION 1022.120—[Reserved]
SECTION 1022.121—Active Duty Alerts
SECTION 1022.122—[Reserved]
SECTION 1022.123—Appropriate Proof of Identity
SECTIONS 1022.124-1022.129—[Reserved]
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
SECTION 1022.140—Prohibition Against Circumventing or Evading Treatment as a Consumer Reporting Agency
SECTION 1022.141—Reasonable Charges for Certain Disclosures
SECTION 1022.142—Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking
APPENDIX A to Part 1022—[Reserved]
APPENDIX B to Part 1022—Model Notices of Furnishing Negative Information
APPENDIX C to Part 1022—Model Forms for Opt-Out Notices
C-1—Model Form for Initial Opt-Out Notice (Single-Affiliate Notice)
C-2—Model Form for Initial Opt-Out Notice (Joint Notice)
C-3—Model Form for Renewal Notice (Single-Affiliate Notice)
C-4—Model Form for Renewal Notice (Joint Notice)
C-5—Model Form for Voluntary “No Marketing” Notice
APPENDIX D to Part 1022—Model Forms for Firm Offers of Credit or Insurance
APPENDIX E to Part 1022—Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies
APPENDICES F-G to Part 1022— [Reserved]
APPENDIX H to Part 1022—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 to Part 1022—Summary of Consumer Identity Theft Rights
APPENDIX J to Part 1022—[Reserved]
APPENDIX K to Part 1022—Summary of Consumer Rights
APPENDIX L to Part 1022— Standardized Form for Requesting Annual File Disclosures
APPENDIX M to Part 1022—Notice of Furnisher Responsibilities
APPENDIX N to Part 1022—Notice of User Responsibilities
APPENDIX O to Part 1022—Reasonable Charges for Certain Disclosures
CFPB's Regulation X: Real Estate Settlement Procedures
SUBPART A—GENERAL PROVISIONS
SECTION 1024.1—Designation
SECTION 1024.2—Definitions
SECTION 1024.3—E-Sign Applicability
SECTION 1024.4—Reliance Upon Rule, Regulation, or Interpretation by the Bureau
SECTION 1024.5—Coverage of RESPA
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 to Part 1024—Instructions for Completing HUD-1 and HUD-1A Settlement Statements; Sample HUD-1 and HUD-1A Statements
Instructions for Completing HUD-1A
HUD-1 Settlement Statement
HUD-1A Settlement Statement
APPENDIX B to Part 1024—Illustrations of Requirements of RESPA
APPENDIX C to Part 1024—Instructions for Completing Good Faith Estimate (GFE) Form
APPENDIX D to Part 1024—Affiliated Business Arrangement Disclosure Statement Format Notice
APPENDIX E to Part 1024—Arithmetic Steps
APPENDIX MS to Part 1024—Mortgage Servicing Model Forms and Clauses
APPENDIX MS-1 to Part 1024—Servicing Disclosure Statement
APPENDIX MS-2 to Part 1024—Notice of Servicing Transfer
APPENDIX MS-3 to Part 1024—Model Force-Placed Insurance Notice Forms
APPENDIX MS-4 to Part 1024—Model Clauses for the Written Early Intervention Notice
CFPB's Regulation Z: Truth in Lending
SUBPART A—GENERAL
SECTION 1026.1—Authority, Purpose, Coverage, Organization, Enforcement, and Liability
SECTION 1026.2—Definitions and Rules of Construction
SECTION 1026.3—Exempt Transactions
SECTION 1026.4—Finance Charge
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
SECTION 1026.25—Record Retention
SECTION 1026.26—Use of Annual Percentage Rate in Oral Disclosures
SECTION 1026.27—Language of Disclosures
SECTION 1026.28—Effect on State Laws
SECTION 1026.29—State Exemptions
SECTION 1026.30—Limitation on Rates
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
SECTION 1026.46—Special Disclosure Requirements for Private Education Loans
SECTION 1026.47—Content of Disclosures
SECTION 1026.48—Limitations on 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 to Part 1026—Effect on State Laws
APPENDIX B to Part 1026—State Exemptions
APPENDIX C to Part 1026—Issuance of Official Interpretations
APPENDIX D to Part 1026—Multiple Advance Construction Loans
APPENDIX E to Part 1026—Rules for Card Issuers That Bill on a Transaction-by-Transaction Basis
APPENDIX F to Part 1026—Optional Annual Percentage Rate Computations for Creditors Offering Open-End Credit Plans Secured by a Consumer’s Dwelling
APPENDIX G to Part 1026—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 to Part 1026—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 to Part 1026—[Reserved]
APPENDIX J to Part 1026—Annual Percentage Rate Computations for Closed-End Credit Transactions
APPENDIX K to Part 1026— Total-Annual-Loan-Cost Rate Computations for Reverse Mortgage Transactions
APPENDIX L to Part 1026—Assumed Loan Periods for Computations of Total-Annual-Loan-Cost Rates
APPENDIX M1 to Part 1026—Repayment Disclosures
APPENDIX M2 to Part 1026—Sample Calculations of Repayment Disclosures
APPENDIX N to Part 1026—Higher-Priced Mortgage Loan Appraisal Safe Harbor Review
APPENDIX O to Part 1026—Illustrative Written Source Documents for Higher-Priced Mortgage Loan Appraisal Rules
APPENDIX P to Part 1026—[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 to Part 1030—Annual Percentage Yield Calculation
Part I. Annual Percentage Yield for Account Disclosures and Advertising Purposes
Part II. Annual Percentage Yield Earned for Periodic Statements
APPENDIX B to Part 1030—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 to Part 1030—Effect on State Laws
APPENDIX D to Part 1030—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
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 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
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
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
SECTION 1—Basis and Scope
SECTION 2—Composition, Location, and Public Information
SECTION 3—Central Organization
SECTION 4—Field Organization
SECTION 5—Delegations of Authority
APPENDIX—Federal Reserve Banks
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
Employee Responsibilities and Conduct
Federal Open Market Committee Rules and Regulations
Open Market Operations of Federal Reserve Banks
SECTION 270.1—Authority
SECTION 270.2—Definitions
SECTION 270.3—Governing Principles
SECTION 270.4—Transactions in Obligations
Rules of Organization
SECTION 1—Authority
SECTION 2—Composition of Committee
SECTION 3—Chair and Vice Chair
SECTION 4—Foreign Currency Subcommittee
SECTION 5—Staff
SECTION 6—Manager and Deputy Manager
Rules of Procedure
SECTION 272.1—Authority
SECTION 272.2—Functions of the Committee
SECTION 272.3—Meetings
SECTION 272.4—Committee Actions
SECTION 272.5—Notice and Public Procedure
Rules Regarding Availability of Information
Subpart A—General
SECTION 271.1—Authority, Purpose, and Scope
SECTION 271.2—Definitions
SECTION 271.3—Certification of Record; Service of Subpoenas or Other Process
SECTION 271.4—Prohibition against Disclosure
Subpart B—Published Information and Records Available to Public; Procedures for Requests
SECTION 271.10—Published Information
SECTION 271.11—Records Available to the Public upon Request
SECTION 271.12—Processing Requests
SECTION 271.13—Responses to Requests
SECTION 271.14—Appeals
SECTION 271.15—Exemptions from Disclosure
SECTION 271.16—Fee Schedules; Waiver of Fees
Subpart C—Subpoenas, Orders Compelling Production, and Other Process
SECTION 271.20—Subpoenas, Orders Compelling Production, and Other Process
Statements of Policy
SECTION 281.1—Policy Regarding the Government in the Sunshine Act
Federal Reserve System Labor Relations
Charges of Unfair Labor Practices
CHARGES OF VIOLATIONS OF SECTION 269.6 (OF THE POLICY)
SECTION 269b.110—Charges
SECTION 269b.111—Filing of Charges
SECTION 269b.112—Contents of the Charge
SECTION 269b.113—Withdrawal or Settlement
SECTION 269b.120—Answer to a Charge
SECTION 269b.121—Contents of Answer
PRELIMINARY INVESTIGATION
SECTION 269b.210—Referral to National Center for Dispute Settlement
SECTION 269b.220—Priority; Acceleration of Proceedings
SECTION 269b.230—Assessment of Costs; Posting of Bond
SECTION 269b.240—The Investigation
APPEAL FROM THE CENTER’S DETERMINATION
SECTION 269b.310—Appeal Rights
SECTION 269b.320—Proceedings Before the Panel
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
SECTION 269b.510—Review by Panel
SECTION 269b.520—Exceptions to Hearing Officer’s Report
SECTION 269b.530—Briefs in Support of the Hearing Officer’s Report
SECTION 269b.540—Action by the Panel
COMPLIANCE
SECTION 269b.610—Procedures
SECTION 269b.620—Action by Panel
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
SECTION 269a.1—Party
SECTION 269a.2—Party in Interest
SECTION 269a.3—Intervenor
SECTION 269a.4—Investigator
SECTION 269a.5—Hearing Officer
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
Limitations on Activities of Former Members and Employees of the Board
SECTION 266.1—Basis and Scope
SECTION 266.2—Definitions
SECTION 266.3—Limitations
SECTION 266.4—Suspension of Appearance Privilege
SECTION 266.5—Criminal Penalties
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
SECTION 267.1—Purpose and Scope
SECTION 267.2—Definitions
SECTION 267.3—Referral of Debts for Collection Action, Including Offset
SECTION 267.4—Administrative Wage Garnishment
SECTION 267.5—Salary Offset
SECTION 267.6—Interest, Penalties, and Administrative Costs
Reserve Bank Directors: Regulatory Exemption Concerning Conflicts of Interest
5 CFR, PART 2640, SUBPART B— EXEMPTIONS PURSUANT TO 18 USC 208(b)(2)
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
SECTION 263.60—Scope
SECTION 263.61—Opportunity for Informal Proceeding
SECTION 263.62—Relevant Considerations for Assessment of Civil Penalty
SECTION 263.63—Assessment Order
SECTION 263.64—Payment of Civil Penalty
SECTION 263.65—Civil Money Penalty Inflation Adjustments
SUBPART D—RULES AND PROCEDURES APPLICABLE TO SUSPENSION OR REMOVAL OF AN INSTITUTION-AFFILIATED PARTY WHERE A FELONY IS CHARGED OR PROVEN
SECTION 263.70—Purpose and Scope
SECTION 263.71—Notice or Order of Suspension, Removal, or Prohibition
SECTION 263.72—Request for Informal Hearing
SECTION 263.73—Order for Informal Hearing
SECTION 263.74—Decision of the Board
SUBPART E—PROCEDURES FOR ISSUANCE AND ENFORCEMENT OF DIRECTIVES TO MAINTAIN ADEQUATE CAPITAL
SECTION 263.80—Purpose and Scope
SECTION 263.81—Definitions
SECTION 263.82—Establishment of Minimum Capital Levels
SECTION 263.83—Issuance of Capital Directives
SECTION 263.84—Enforcement of Directive
SECTION 263.85—Establishment of Increased Capital Level for Specific Institutions
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
SECTION 263.201—Scope
SECTION 263.202—Directives to Take Prompt Regulatory Action
SECTION 263.203—Procedures for Reclassifying a State Member Bank Based on Criteria Other Than Capital
SECTION 263.204—Order to Dismiss a Director or Senior Executive Officer
SECTION 263.205—Enforcement of Directives
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
SECTION 263.400—Scope
SECTION 263.401—Definitions
SECTION 263.402—Removal, Suspension, or Debarment
SECTION 263.403—Automatic Removal, Suspension, and Debarment
SECTION 263.404—Notice of Removal, Suspension, or Debarment
SECTION 263.405—Petition for Reinstatement
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
Rules Regarding Access to Personal Information under the Privacy Act of 1974
SUBPART A—GENERAL PROVISIONS
SECTION 261a.1—Authority, Purpose, and Scope
SECTION 261a.2—Definitions
SECTION 261a.3—Custodian of Records; Delegations of Authority
SECTION 261a.4—Fees
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
SECTION 261a.11—Restrictions on Disclosure
SECTION 261a.12—Exempt Records
Rules Regarding Availability of Information
SUBPART A—GENERAL
SECTION 261.1—Authority, Purpose, and Scope
SECTION 261.2—Definitions
SECTION 261.3—Custodian of Records; Certification; Service; Alternative Authority
SECTION 261.4—Prohibition against Disclosure
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
SECTION 265.1—Authority, Purpose, and Scope
SECTION 265.2—Delegation of Functions Generally
SECTION 265.3—Board Review of Delegated Actions
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
SECTION 268.1—Authority, Purpose, and Scope
SECTION 268.2—Definitions
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
SECTION 268.201—Age Discrimination in Employment Act
SECTION 268.202—Equal Pay Act
SECTION 268.203—Rehabilitation Act
SECTION 268.204—Class Complaints
SECTION 268.205—[Removed and Reserved]
SUBPART D—RELATED PROCESSES
SECTION 268.301—Negotiated Grievance Procedure
SECTION 268.302—[Removed and Reserved]
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
SECTION 268.501— Remedies and Relief
SECTION 268.502—Compliance with Final Commission Decisions
SECTION 268.503—Enforcement of Final EEOC Decisions
SECTION 268.504—Compliance with Settlement Agreements and Final Actions
SECTION 268.505—Interim Relief
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
Regulation CC: Availability of Funds and Collection of Checks
SUBPART A—GENERAL
SECTION 229.1—Authority and Purpose; Organization
SECTION 229.2—Definitions
COMMENTARY on SECTION 229.2—Definitions
SECTION 229.3—Administrative Enforcement
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
California
Connecticut
Illinois
Maine
Massachusetts
New Jersey
New York
Rhode Island
Wisconsin
Regulation EE: Netting Eligibility for Financial Institutions
SECTION 231.1—Authority, Purpose, and Scope
SECTION 231.2—Definitions
SECTION 231.3—Qualification as a Financial Institution
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 to Part 233—Model Notice
Regulation HH: Designated Financial Market Utilities
SECTION 234.1—Authority, Purpose, and Scope
SECTION 234.2—Definitions
SECTION 234.3—Standards for Designated Financial Market Utilities
SECTION 234.4—Changes to Rules, Procedures, or Operations
SECTION 234.5—Access to Federal Reserve Bank Accounts and Services
SECTION 234.6—Interest on Balances
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
Electronic Funds Transfer Switches and Network Services
Payment System Risk Policy
INTRODUCTION
RISKS IN PAYMENT, CLEARING, SETTLEMENT, AND RECORDING SYSTEMS
I. RISK MANAGEMENT FOR FINANCIAL MARKET INFRASTRUCTURES
II. FEDERAL RESERVE INTRADAY CREDIT POLICIES
III. POLICY ON OVERNIGHT OVERDRAFTS
APPENDIX—CPSS-IOSCO PRINCIPLES FOR FINANCIAL MARKET INFRASTRUCTURES
Services Pricing Policy
Evaluating Requests to Withdraw from a Priced Service Line
Federal Reserve Role in the Payment System
ROLE OF THE FEDERAL RESERVE
CRITERIA FOR EVALUATING PROPOSED PAYMENTS-SYSTEM CHANGES
PROCESS FOR COMMUNICATING CONCERNS
CONCLUSION
APPENDIX—Methodology for Computing Costs for Federal Reserve Priced Services
Fee Schedules 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
INTRODUCTION
BACKGROUND
PRICING PRINCIPLES
Reduction and Pricing of Federal Reserve Float
RETURN-ITEM FLOAT
MIDWEEK CLOSINGS AND NONSTANDARD HOLIDAYS
INTRATERRITORY TRANSPORTATION FLOAT
ALL OTHER CHECK FLOAT
IMPLEMENTATION SCHEDULE
Standards Related to Priced-Service Activities
BACKGROUND
STANDARDS
Organization and Operations
Business Practices
INTERNAL OVERSIGHT
CONCLUSION
Uniform Cash Access Policy
Features
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Banks and Banking
Bank Secrecy Act Regulations (Department of the Treasury, FinCEN)
PART 1021
SUBPART C
SECTION 1021.312
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SECTION 1021.312—Identification Required
Refer to section 1010.312 of this chapter for identification requirements for reports
of transaction in currency filed by casinos and card clubs.
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