Loans
—See also Credit; classes
of borrowers and lenders and types of loans, generally.
Agricultural—See Agricultural loans.
Bank stock as security
Insured depository institution loans,
1-398.3National bank loans,
1-302Business loans
Real
estate
Commercial, concentrations in; risk management,
3-1579.451Ceilings, married applicants not to be penalized
on individual accounts,
6-054;
6-5054Commercial loans—See also Business loans, this heading.
Banks and nonbank banks, by—See Bank holding companies.
Commission; requesting or accepting for procuring loan,
as criminal offense,
1-454 et seq.
Construction—See Truth in lending.
Disclosures—See Truth in lending.
Emergency credit—See also Emergency Loan Guarantee Board.
Emergency Loan Guarantee Act,
1-548 et seq.
Federal Reserve Bank—See Federal Reserve Banks, at Credit.
Environmental
contamination, loan losses due to,
3-1520Equal opportunity—See Equal credit opportunity.
Examiner
Acceptance by, as criminal offense,
1-452Offering to, as criminal
offense,
1-451Fees
Advance, Prime Bank instruments,
3-1535.6Finance charges, as—See Truth in lending.
Personal; requesting or accepting for procuring
loan, as criminal offense,
1-453Flood hazard areas, property in—See Flood insurance.
Foreign—See International
banking operations; International lending supervision.
Funding, Prime Bank instruments,
3-1535.6Gifts; requesting or accepting
for procuring loan, as criminal offense,
1-454 et seq.
Government-guaranteed, excessive premiums
on; policy statement,
3-1600Government loan programs, reimbursement for financial records,
3-1205Guarantees—See Loan guarantees.
Held for sale, accounting and reporting,
3-1502.1Home-equity—See Home-equity plans.
Home-improvement loan, definition as to home mortgage
disclosure,
6-5205Home-purchase
loan, definition as to home mortgage disclosure,
6-5205Interest—See Interest rates.
International—See International banking operations;
International lending supervision.
Losses,
allowance for by insured depository institutions,
3-1480 et seq.
Methodologies and documentation,
3-1484Member banks, by—See also Member banks.
Affiliates, to—See Affiliate–member bank relations.
Executive officers, directors, and principal shareholders,
to—See Loans to officers,
directors, and shareholders of member banks.
Mortgages—See Home mortgage disclosure; Housing finance; Mortgages.
Predatory—See Home-equity plans, at High-cost
plans.
Privacy of consumer information—See Privacy of consumer financial
information.
Securities credit—See Borrowers obtaining securities
credit; Credit by brokers and dealers; Securities credit by banks
and persons other than brokers or dealers.
Student
V-loans—See Defense contracts.
Loans to officers, directors, and shareholders of
member banks
, 3-960 et
seq.
Accounts
Affiliate, definition,
3-961Negative balances
on; as extensions of credit,
3-1081Overdrafts on, to pay; definition,
3-966Segregated deposit, loans secured by,
3-1003Aggregate credit to executive
officers and principal shareholders
Limit—See Lending limit, this heading.
Annual reports
Aggregate
credit to executive officers and principal stockholders, on,
3-1030Annuity, preferential
loan for executive to purchase,
3-1106Appointment of executive officers, indebtedness to bank
at time of,
3-1036Current board of
directors, by,
3-1090Subsidiaries,
loans to,
3-1092Backup lines
of credit
Bank holding companies, to; as principal
shareholders of corresponding banks; preferential loans,
3-1089.1Commercial paper issuance,
connected with; as indebtedness,
3-1085Banker's acceptances, purchase; limitations,
3-1002Bank holding companies
Extension of credit by, exemption,
3-1075.1Immediate family, control by member,
3-1028Inactive subsidiaries
of, officers and executives not considered as executive officers,
3-1070Principal shareholders
of corresponding banks, as; backup lines of credit as preferential
loans,
3-1089.1Tie-in
arrangements,
3-1017 et seq.
Banks
Control of—See Control of bank, this heading.
Private, report of indebtedness of executive officer
to,
3-1054Beneficiaries
Estates or trusts, of; control of company or bank,
3-1062.1Officers and trustees
as,
3-1068Benefit program,
exception for,
3-971.1Bills
of lading, loans secured by; limitations,
3-1002Board of directors
Approval
of loan, prior
Blanket resolution for,
3-1091Subsidiaries, loans
to,
3-1092Secretary of, as executive
officer,
3-1037Subsidiaries,
prior approval of loans to,
3-1092Vice chairman authorized to sign documents as executive
officer,
3-1042Boards
of managers of trust companies, executive officers as members of,
3-1035Children of executive
officer, loan to
Collateral, shares
of bank as; annual report,
3-984Commercial house notes, discounted; reports of indebtedness
to other banks,
3-1051Commercial
paper issuance, backup lines of credit connected with; as indebtedness,
3-1085Commodity Credit
Corporation notes on cotton, execution by executive officers; prohibited
transaction,
3-1047Community
property state, loan to spouse of executive officer in,
3-1081.1Company
Control of—See Control of company, this heading.
Not-for-profit entity as,
3-1060Compensation program, exception for,
3-971.1Comptroller of the
Currency to prescribe rules governing limitations,
3-1006Control of bank
Estate; executor, trustee, or beneficiary of; by,
3-1062.1Immediate family,
by member,
3-1028Investment
advisory functions; shares owned, controlled, or voted as part of,
3-1062.2Principal shareholder,
by,
3-1061Trust; executor,
trustee, or beneficiary of; by,
3-1062.1Control of company
Estate; control by executor, trustee,
or beneficiary,
3-1062.1Trust; control by executor, trustee, or beneficiary,
3-1062.1Corporation, loans to invested
in by executive officer; exempted transaction,
3-1043Correspondent accounts
Penalties for
violations,
3-1020 et seq.
Correspondent banks
Annual report on indebtedness
of officers and shareholders to,
3-1031Holding company, of; backup line of credit to as preferential,
3-1089.1Violations by,
penalties for,
3-1020 et seq.
Cotton; execution of Commodity Credit Corporation notes on by executive
officers; prohibited transaction,
3-1047Credit card issued to bank insiders for bank's
business purposes,
3-1081.5Credit card plans, reports on extensions of credit to officers and
shareholders,
3-1095Credit
unions, reports of indebtedness of executive officers to,
3-1052Demand loans as preferential loans for directors,
3-1089Deposit accounts,
segregated; loans secured by,
3-1003Directors
Board of—See Board of directors, this heading.
Correspondent account, extension of credit
by banks maintaining,
3-1018;
3-1019Penalties for violations,
3-1020 et seq.
Executive officers, as
Excessive loans and securities purchases, when
approving,
3-1065Executive
committees, when serving on,
3-1067Preferential loans, demand and installment notes as,
3-1089Disclosure of credit from member banks to executive
officers and principal stockholders,
3-981 et
seq.
Discount-committee member as executive
officer,
3-1040Discounts
Commercial house
notes, reports of indebtedness to other banks,
3-1051Commercial or business paper, limitations,
3-1002Dairy cattle, paper
in payment for; limitations,
3-1005Documents, vice chairman of board of directors authorized
to sign as executive officer,
3-1042Estate
Loans to executive officer as
trustee of, prohibited transactions,
3-1048Excessive loans, directors approving; as executive
officers,
3-1065Executive
committees, directors serving on; as executive officers,
3-1067Executive officers—See also specific subjects, this heading.
Executor
of estate or trust, control of company or bank by,
3-1062.1Exempted transactions,
3-969Bank holding company,
extension of credit by,
3-1075.1Benefit or compensation program,
3-971.1Corporation, loans to invested in by executive
officer,
3-1043Employee
profit-sharing plans, loans from,
3-1075Life insurance plans for managerial employees as loans,
3-1044Nonbank subsidiary,
extension of credit by,
3-1075.1Family,
immediate
Control of bank or bank holding company
by,
3-1028Federal Reserve Board,
prescription of rules and regulations,
3-1016Finance committees of trust companies, executive
officers as members of,
3-1035Financial institutions, loans to; limitations,
3-1003Financial statement to be submitted by applicant,
3-977Foreign bank
Branch of, insured; lending limits,
3-1085.5Report of executive officer's indebtedness
to,
3-1100Foreign branch
officers, application of Regulation O to,
3-1066Fourteen-month rule, prior approval of loan,
3-1092.1Full-payout nonoperating
leases as extensions of credit,
3-1080Guarantee for protection of bank, exemption,
3-969;
3-1010Note
from related interest guaranteed by principal shareholder, not qualifying,
3-1081.31Home mortgage loan program for employees, preferential
loan,
3-1089.11Immediate
family—See Family, this
heading.
Inactive discount committee member
as executive officer,
3-1039;
3-1041Inactive officers, definition as
executive officers,
3-1038Individual lending limits,
3-973Insider
Renewal of loan to, financial assistance
to bank,
3-1081.4Installment
consumer paper, obligations of endorser or guarantor,
3-1004Installment loans as preferential
loans for directors,
3-1089Investment advisory functions; bank shares owned, controlled, or
voted as part of,
3-1062.2Leases, full-payout nonoperating; as extensions of credit,
3-1080 Exceptions—See Approval of loan, prior, this heading.
Unimpaired capital
and unimpaired surplus, definition,
3-965;
3-1085.51Life insurance plans
as loans for managerial employees, exempted transactions,
3-1044Livestock liens, limitations,
3-1005Morris Plan companies; indebtedness of executive officers
to other banks, reports,
3-1050National banks, loans and extensions of credit to,
3-1000 et seq.
Negative balance
on bank accounts as extension of credit,
3-1081Nonbank subsidiaries, extension of credit
by exempt,
3-1075.1Not-for-profit
entities as companies,
3-1060Obligations
Installment consumer paper, of endorser
or guarantor,
3-1004National
banks, to,
3-1000 et seq.
United States, loans secured by,
3-1003Officers, executive—See
also specific subjects, this heading.
Partnership note, endorsement
by executive officer; prohibited transaction,
3-1046Pay overdraft on account, definition,
3-966Penalties, civil; for
violations,
3-985;
3-1020 et
seq.
Person, definition,
3-966Holding company of, backup line of credit to,
3-1089.1Correspondent relationship,
based on,
3-1605Directors,
for; demand and installment notes,
3-1089Home mortgage loan program for employees,
3-1089.11President, below-market-rate
loan to,
3-1094Principal
shareholders
Aggregate credit to, annual report
on,
3-1030Disclosure of credit to,
3-981 et seq.
Indebtedness of
to correspondent banks, reports on,
3-1031Prohibitions and exceptions,
3-1011 et seq.
Related interests of—See Related interests, this heading.
Prior approval of loan—See Approval of loan, this heading.
Private banks, report of executive officers' indebtedness
to,
3-1054Profit-sharing
plans, employees'; loans from as exempted transactions,
3-1075Profit-sharing trust fund, employees';
loans from to executive officers; prohibited transaction,
3-1049Knowingly
receiving prohibited loan,
3-977.1Public disclosures,
3-982Regulation O,
3-960 et seq.
See also Regulation O.
Regulations,
prescription by Federal Reserve Board,
3-1016Related interests
Renewal of insider loan, financial assistance to bank,
3-1081.4Aggregate credit to officers
and shareholders, on,
3-1030Credit card plan, credit through,
3-1095Directors, by; loans secured by bank stock,
3-984Executive officers and
principal shareholders, by,
3-1029Bank stock, loans secured by,
3-984Correspondent banks, indebtedness to,
3-1031Foreign banks, indebtedness
to,
3-1100Other banks,
indebtedness to,
3-1050 et seq.
Subsidiaries, wholly owned; loans by,
3-1096Rules, prescription by Federal Reserve
Board,
3-1016Securities
purchases, directors approving; as executive officers,
3-1065Shareholders, principal—See Principal shareholders, this
heading.
Shipping documents, loans secured
by; limitations,
3-1005Spouse
of executive officer, in community property state,
3-1081.1Stock of member bank, loans secured
by; annual report,
3-984Student Loan Marketing Association, loans to; limitations,
3-1005 Banks
Bank holding company, of; executives and directors not
considered executive officers,
3-1070Policymakers as executive officers,
3-1069Prior approval of loans to,
3-1092Shareholders as executive
officers,
3-1069Wholly
owned, reports of loans by as extensions of credit,
3-1096 Trust companies, executive officers
as members of boards of managers and finance committees of,
3-1035Trustees of estates
Loans to executive officer as,
prohibited transactions,
3-1048Trust fund, loans from to executive officers; prohibited
transactions,
3-1045Employees'
profit-sharing trust fund, from,
3-1049Trusts; control of company or bank by executor, trustee,
or beneficiary,
3-1062.1Unimpaired capital and unimpaired surplus, definition; lending limits,
3-965;
3-1085.51United States obligations, loans secured by,
3-1003Warehouse
receipts, loans secured by; limitations,
3-1002Wholly owned subsidiaries, loans by; reports
of as extensions of credit,
3-1096
