Acceptances
Banker's
Broker-dealer credit
Registration
of brokers and dealers, exception for those conducting transactions
in,
5-118 et seq.
Securities
association member, dealings with nonmember professionals; exception,
5-130Security, defined
as,
5-006Eligible
Maturity, determination of; change
under Regulation D,
2-305.2Rediscount, acceptance secured by warehouse receipt,
2-050Sale under repurchase agreement to
create reservable liability,
2-305.1Discount—See Federal Reserve
Bank dealings in, this heading.
Edge
corporations, of; lending limits,
3-550Federal Reserve Bank dealings in
Rediscount,
acceptance secured by warehouse receipt,
2-050Federal Intermediate Credit Banks,
1-135Foreign accounts, purchase
for,
7-084Guarantees termination,
7-085Bill of sale, secured by; not eligible
for purchase,
8-846Capital
purposes, for; not eligible for purchase,
8-845Purchase authority, scope of,
8-847Foreign banks, U.S. branch or agency
of; by,
1-117 et seq.
International
banking facilities, deposits; portions of banker's acceptances,
2-325.17Member banks, by,
1-117 et seq.
See also State member banks, this heading.
Authority to permit acceptance by,
8-121.95National agricultural credit corporations, dealings
by Federal Reserve Banks,
1-135State member banks,
ineligible acceptances by,
3-211Unauthorized issuance, crime,
1-462Accounts
Arbitrage accounts—See Credit by brokers and dealers.
Availability of funds deposited in—See Availability of funds.
Brokers'—See Credit by brokers and dealers.
Cash—See Cash accounts.
Checking—See Checking accounts.
Club—See Club accounts.
Dealers'—See Credit by brokers and dealers.
Escrow—See Escrow accounts.
Federal Reserve Banks—See Federal Reserve Banks.
Foreign
branches of national banks, of,
1-225Individual retirement accounts—See IRAs.
Installment
loan, not deposits for purposes of reserve requirements,
2-132IRAs—See IRAs.
Keogh
accounts—See Keogh accounts.
Lifeline, separate reporting of in reports
of condition,
1-343Margin—See Credit by brokers and dealers.
Memorandum, special—See Credit by brokers and dealers, at Special memorandum accounts.
National banks, foreign branches of,
1-225Negotiable order of withdrawal accounts—See NOW accounts.
Net transaction—See Transaction accounts.
Nonsecurities
credit accounts—See Credit
by brokers and dealers.
NOW accounts—See NOW accounts.
Omnibus accounts—See Credit by brokers and dealers.
Overdrafts on—See Overdrafts.
Pass-through—See Pass-through accounts.
Payable, not deposits for purposes of reserve requirements,
2-131 Savings—See Savings accounts.
Securities dealers'—See Credit by brokers and dealers.
Special memorandum—See Credit by brokers and dealers.
Suspense
accounts, regarded as transaction accounts,
2-306.4Time—See Time deposits.
Transaction—See Transaction accounts.
Affiliate–member bank relations
, 3-1110 et seq.
See also Member banks; Regulation
W.
Acceptances—See Letters of credit and similar instruments, this
heading.
Accommodation endorsement by
affiliate, loan on note bearing; not extension of credit,
3-1182Advisory services, company receiving from member bank;
as affiliate,
3-1112Affiliate
See also specific type of affiliate,
this heading.
Foreign banks, U.S. branches and agencies
of; as to,
3-1170Aggregate amount of covered transactions
See also Quantitative limits, this heading.
Assets
Intangible, ineligible collateral,
3-1131Low-quality—See Low-quality assets, this heading.
Exemptions for,
3-1157 et seq.
Fiduciary purchases prohibited,
3-1166Low-quality—See Low-quality assets, this heading.
Nonaffiliate, from; in contemplation of its
becoming affiliate,
3-1140Securities
issued or underwritten by affiliate—See Securities, this heading.
Sale of, market-terms requirement,
3-1165Bank holding companies, affiliate transactions
with—See specific type of transaction, this
heading.
Bank premises, company engaged
solely in holding; not affiliate,
3-1115Broker services for member banks
Commissions, exemption from quantitative limits,
3-1135Capital stock and surplus
Affiliates,
of; limitations on investment in,
3-1127;
3-1128Foreign banks, U.S.
branches and agencies of; as to,
3-1170Carrying value of security, definition,
3-1116Credit transaction,
3-1130 et seq.
Exemptions
from requirements,
3-1154 et seq.
Mutual fund securities, eligible affiliated; considered
nonaffiliate collateral,
3-1144Extension of
credit secured by, valuation,
3-1143 et seq.
Securities of member bank, ineligible collateral,
3-1131Stock valuation
3-1187 et seq.
U.S. government
securities, exemption,
3-1156Control of company or bank
Common, company under as affiliate,
3-1111Corporate-reorganization transactions, exemptions
for,
3-1155Correspondent
banking deposits, exemptions for,
3-1156Covered transactions,
3-1134 et seq.
See also specific type of transaction,
this heading.
Aggregate amount permissible—See Aggregate amount of covered transactions, this heading.
Time transaction
becomes covered, determining—See Timing
rule, this heading.
Credit cards, general-purpose
Exemption for transactions,
3-1136Past-due accounts,
low-quality assets,
3-1192Credit line, facility, or similar arrangement; valuation of purchase
of,
3-1139Credit transaction
Cross-affiliate netting arrangement,
3-1168Debt securities
Affiliate,
issued by
Secondary market, purchased in; exempt
from collateral requirements,
3-1132Member bank, issued by; ineligible
collateral,
3-1131Debts
previously contracted, control resulting from; company not affiliate,
3-1115Depository institution
Affiliate, not considered,
3-1115Equipment lease agreement, considered extension of credit,
3-1190.1Equity capital,
definition,
3-1120Exempt
affiliate, bank affiliate receiving loan through; limitations,
3-1186See also specific type of transaction
and exemption, this heading.
Standards
and procedures for granting
Section 23A exemptions,
3-1163Section 23B exemptions,
3-1169Extensions of credit
See also specific type of transaction,
this heading, and Loans, this heading.
Purchase of
Secured by affiliate securities,
valuation,
3-1143 et seq.
Federal Reserve Board, rulemaking authority,
3-1176.1See also State member banks.
Foreign affiliates of domestic banks, parallel-owned organizations,
3-1579.4Foreign banks, U.S.
branches and agencies of,
3-1170Foreign-exchange fund, as affiliate,
3-1186.4Government National Mortgage Association certificate
of guarantee, affiliate's taking title to mortgages to facilitate;
not extension of credit,
3-1190Guarantees, cross-default agreement,
3-1188.2See also Letters of credit and similar instruments, this
heading.
In contemplation, definition,
3-1122Insurance company
investment authority, company held under; as affiliate,
3-1113Interlocking directorates, companies
with; as affiliates,
3-1111Investment company, as affiliate,
3-1112Investments, securities of affiliates,
3-1175.4Letters of credit and
similar instruments
Collateral, ineligible as,
3-1131Loans—See also Extensions
of credit, this heading.
Accommodation endorsement by affiliate, loan on note bearing; not
extension of credit,
3-1182Collateral—See Collateral, this heading.
Exempt affiliate, affiliate
receiving loan through,
3-1186Federal Housing Administration and Veterans Administration loans,
not obligations of U.S. government,
3-1124Participations, involving problem loans; low-quality
asset,
3-1133Penalties
for violations involving,
3-1605Purchase of or participation in third-party loans, as
purchase of assets,
3-1188Low-quality assets
Credit card accounts, open-end,
3-1192Exemptions from prohibition,
3-1156 et seq.
Market-quotation standard,
3-1181Member bank, definition,
3-1123Mutual fund securities, eligible affiliated; considered nonaffiliate
collateral,
3-1144Nonaffiliate
Purchase from, in contemplation of its becoming affiliate,
3-1140 Obligations
Affiliate, of; stating or suggesting bank responsible
for prohibited,
3-1168United
States or its agencies, of or fully guaranteed as to principal and
interest by; definition,
3-1124Operating subsidiary
Acquisition
of affiliate that subsequently becomes,
3-1145 et seq.
Parent company, as affiliate,
3-1111Principal underwriter,
definition,
3-1176.5Purchase
of an asset, definition,
3-1125Quantitative limits
Reports of affiliates,
1-070 et seq.
Time extension,
authority to grant,
8-121Riskless principal
Rulemaking authority of Federal Reserve Board,
3-1176.1Safe deposit business,
company not affiliate,
3-1115Securities
Debt—See Debt securities, this heading.
Issued by affiliate, as collateral—See Collateral, this heading.
Issued by member bank, ineligible collateral,
3-1131Issued by nonaffiliate,
timing rule,
3-1142Mutual
fund securities, eligible affiliated; not considered affiliate securities,
3-1144Operating subsidiary,
affiliate subsequently becomes,
3-1145 et seq.
Principal underwriter, definition,
3-1167Purchases of, exemptions,
3-1157 et seq.
Securities affiliate, definition,
3-1126Services to affiliate, market-terms
requirement,
3-1165Servicing
affiliate, purchasing securities of; exemption,
3-1157Sponsored company, as affiliate,
3-1112Step transactions,
3-1145 et seq.
Subsidiary
Affiliate, definition; exceptions,
3-1115Affiliate, of; as affiliate,
3-1114Depository institution,
3-1112Financial—See Financial
subsidiaries, this heading, and State member banks.
Transfer of, valuation,
3-1139Timing rule
Securities issued by affiliate,
3-1142Trusts
Affiliates
defined as under Banking Act of 1933,
3-1186.1Aggregation of shares held individually and
as trustee,
3-1186.2Uncollected
items received in ordinary course of business, credit for; exemption,
3-1156Valuation
Securities issued by affiliate, purchases of and investments
in,
3-1141Operating subsidiary,
affiliate subsequently becomes,
3-1145;
3-1146Securities of financial
subsidiary, purchases of and investments in,
3-1149;
3-1150Stock collateral,
3-1187 et seq.
Violations,
civil penalties,
1-262 et seq.
Well capitalized, definition,
3-1126Agreement corporations
, 1-224
Acquisitions—See Investments by, this heading.
Agency,
authority to extend time for establishing,
8-121.3Bank Holding Company Act
Acquiring company, applicable to,
1-239Bank, exemption from definition of,
4-060Bank Protection Act, applicability,
3-451Bank Secrecy Act
Procedures for monitoring compliance,
3-521Banking services
for employees,
3-524Branch, authority
to extend time for establishing,
8-121.3Collection activities,
3-524Crimes and suspected crimes, reporting,
3-521;
3-772Customer
identification program, Bank Secrecy Act compliance,
3-521See also Currency and foreign transactions.
Customer information, standards for protecting privacy
of,
3-521Deposit-taking activities,
3-522Eurocurrency liabilities—See Eurocurrency liabilities.
Disclosure of information
by examiner,
1-465Investments,
information concerning; availability to examiners,
3-555Export trading company, investment
in; approval authority,
8-106.3Federal Reserve Banks, ownership of shares by,
3-731Fiduciary activities,
3-524Foreign company, investment in; approval authority,
8-106.3Foreign-exchange activities,
3-524Gold, purchase and
sale,
3-733Home Mortgage
Disclosure Act, applicability of to,
6-5267.2Disclosure, Regulation DD inapplicable to,
6-7032Interlocks, management
official; with depository institutions,
3-783;
3-806Investment advisory
activities,
3-524Investments
by
Export trading company, approval authority,
8-106.3Foreign company, approval
authority,
8-106.3Information
concerning, availability to examiners,
3-555Time extension for completion,
8-121.3Letters of credit,
reserve requirements,
3-735Liquidation, voluntary,
3-526Liquid funds, use of in United States,
3-520Payment activities,
3-524Privacy of customer information, standards
for protecting,
3-521Promissory
notes issued by, definition as time deposits,
2-136Recordkeeping regulations, financial; applicability
to,
3-772Regulation DD inapplicable
to,
6-7032Regulation K,
applicability of to,
3-500Reports, financial,
1-223Security devices and
procedures regulation, applicability to,
3-451Well managed, definition,
3-504Antitrust law
, 1-403 et seq.
Attorney general, enforcement
of interlocking-directorate prohibitions,
1-408 et seq.
Bank acquisitions and mergers, interstate—See Interstate banking, this heading.
Counsel, representation by,
4-097Definition of ``antitrust laws'' as
to,
4-100Federal Reserve Board
as party to action,
4-097Judicial standards,
4-096Litigation, substantive law applicable,
4-099Mergers, treatment of transactions,
4-098Proceedings,
4-096 et seq.
State banking
agency as party to action,
4-097Stay of approval of acquisition application because of,
4-096Clayton Antitrust
Act,
1-404 et seq.
Common
carriers, antitrust investment exemptions,
1-404Corporations
Merger with
corporation engaged in same business prohibited,
1-404Stock purchase of company engaged in same
business prohibited,
1-404Counsel, representation by in actions involving bank holding companies,
4-097Defense Production
Act exemptions,
1-532 et seq.
Advisory committees,
1-534Agreements, prerequisites for,
1-533Delegation of authority,
1-533Federal Trade Commission surveys,
1-534Immunity from civil and criminal liability,
1-532Verbatim transcript,
1-534Federal courts, jurisdiction
over interlocking directorates,
1-410Federal Reserve Board
Bank holding
companies, as party in actions involving,
4-097Interlocking directorate prohibitions, enforcement,
1-406Insured depository
institution, merger; litigation involving,
1-392Interlocks—See Interlocks.
Interstate banking
Bank holding companies, acquisitions by,
4-069.4Judicial standards in
bank holding company actions,
4-096Litigation involving antitrust law, substantive law applicable,
4-099Sherman Antitrust Act,
1-403State banking agency
as party in bank holding company action,
4-097Stock purchase of company engaged in same
business prohibited,
1-404Trade, restraint of,
1-403Attorney general
Applications filed
with Federal Reserve Board
Bank interests, approval
of acquisition; notification to,
4-096Comments, submission of,
8-023Assistant attorney general, Antitrust Division;
functions and powers as to management official interlocks,
3-809.1Credit control, actions
on behalf of,
1-534Electronic
fund transfers regulation, annual report,
6-394Emergency guaranteed loans, protection of
government's interest,
1-559Equal credit opportunity
Annual report to Congress,
6-110Fair Credit Reporting Act, reports
to Congress on requests for consumer information in counterintelligence
investigations,
6-1577.25;
6-1577.28Fair Housing Act, enforcement by,
6-1480Foreign-trade practices
Freedom of information cases, reports on,
8-261 et seq.
Insured depository institution,
jurisdiction as to
Disciplinary action
Civil penalties, failure to pay; referral to,
1-375.4Institution-affiliated
parties, removal of; hearing scheduling by,
1-366Mergers and consolidations
Approvals, notification of,
1-391Interlocking directorates
among financial institutions, complaint filed with,
1-408;
1-414Cease-and-desist
orders issued,
1-409Final
status, time limit for,
1-411Modification or setting aside,
1-412Rehearing ordered for,
1-413Management official interlocks, functions and powers
as to,
3-809.1Real estate
settlement procedures; rules, regulations, and interpretations,
6-1369Securities and Exchange
Commission
Criminal-history records, providing
access to SEC,
5-169Inside
information, penalties for use of; referral for collection,
5-224.73Securities self-regulatory
organizations, access to criminal-history records,
5-169Truth in lending, reports on,
6-1069Availability of funds
—See also Check collection;
Expedited Funds Availability Act; Regulation CC.
See also specific types of accounts, this heading.
Alaska, deposits in; adjustments in availability schedule,
9-128;
9-137;
9-689Automated teller machines
Model
disclosure clause, extended hold; nonproprietary ATM,
9-620;
9-642Nonproprietary ATM
Available for withdrawal, definition,
9-007;
9-034Business
day
California law,
preemption of,
9-661Cashier's check
Delayed availability, policy statement,
9-751Certified check
Check clearinghouse
association, definition,
9-668Checks—See also specific types of
checks, this heading.
Connecticut law, preemption
of,
9-662Contractual branch
Disclosures, posting of,
9-231Interest, payment of,
9-180Local vs. nonlocal
paying bank,
9-048Credit
unions
California regulations,
9-661Payable-through
share drafts—See Payable-through checks, this heading.
Day of availability, uniform reference,
9-185;
9-191Depositary bank
Liability—See Liability,
bank, this heading.
Depository
check, definition,
9-678Deposit slips
Direct deposit—See Electronic payments, this heading.
See also Notices, this heading.
Credit-union interest-payment
policy—See Credit unions, this heading.
Day of availability, uniform
reference,
9-185;
9-191Locations
Multiple accounts
and account holders,
9-186;
9-192Payable-through checks, as local or nonlocal—See Payable-through checks, this
heading.
Dormant account, disclosure requirements,
9-186;
9-193Electronic payments
Exceptions to availability
schedule,
9-145 et seq.;
9-160 et seq.;
9-694 et seq.
See also Notice to customer, this subheading.
Forms
Model—See Model disclosures,
clauses, and notices, this heading.
Notices—See Notices, this heading.
Fraud losses,
prevention,
9-700Freezing
funds—See Holds on other funds, this heading.
Hawaii, deposits in; adjustments in availability
schedule,
9-128;
9-137;
9-689Illinois law, preemption of,
9-663Inactive accounts—See Dormant
account, this heading.
Industrial loan companies, California regulations,
9-661Interbank deposits, exemption from
Regulation CC,
9-031Interest compensation, definition,
9-025Local checks
Payable-through checks
as—See Payable-through checks, this heading.
Routing number
list,
9-600Local
originating depository institution, definition,
9-678Magnetic ink character
recognition (MICR) line,
9-054;
9-056Qualified returned
check,
9-054Mailed deposits, when
considered deposited,
9-240;
9-250Maine law, preemption of,
9-664Massachusetts law, preemption
of,
9-665Merger transaction,
banks
MICR line—See Magnetic ink
character recognition (MICR) line, this heading.
Model disclosures, clauses, and notices,
9-610 et seq.;
9-635 et seq.;
9-708Money orders
Multiple accounts and account holders, disclosure
requirements,
9-186;
9-192New Jersey law, preemption of,
9-666New York law, preemption of,
9-668Not deposited in person,
9-083Routing number list,
9-600Nonlocal checks
Temporary schedule,
9-688Payable-through checks as—See Payable-through checks, this
heading.
Nonlocal originating depository
institution, definition,
9-679Nonlocal paying bank, definition,
9-017Notices—See also Disclosure requirements, this heading.
Staffed teller station,
posted at,
9-706Originating depository institution, definition,
9-680Out-of-state checks—See Nonlocal checks, this heading.
Overdrafts
Payable-through
checks, as local or nonlocal,
9-015;
9-047Failure to identify, liability,
9-287Puerto Rico, deposits in; adjustments
in availability schedule,
9-128;
9-137;
9-689Qualified
returned check, definition,
9-020;
9-054Receiving depository institution,
definition,
9-681Returned-check fees,
9-150Rhode Island law,
preemption of,
9-670Routing
number
List, next-day-availability
and local checks,
9-600Saturdays
and Sundays
See also Exceptions to availability
schedule; Next-day availability, this heading.
Similarly situated bank, definition,
9-021Staffed teller station
Substitute checks—See Substitute checks.
Teller's
check
Delayed availability, policy statement,
9-751Traveler's check
Next-day availability,
9-092Treasury checks
Virgin Islands, deposits in; adjustments in
availability schedule,
9-128;
9-137;
9-689Wire transfer—See also Electronic payments, this
heading.
Wisconsin law, preemption of,
9-671
