Real estate settlement procedures
, 6-1350 et seq.
See also Real Estate Settlement
Procedures Act.
Accounting methods, escrow
accounts
Arithmetic steps, example,
6-1439Single-item analysis
Arithmetic
steps, example,
6-1439Affiliate relationship,
definition as to affiliated business arrangements,
6-1415Person in position to refer
settlement service business, definition,
6-1420Aggregate
analysis—See Accounting methods, escrow
accounts, this heading.
Application, definition,
6-1370Associate, definition
as to real estate settlement procedures,
6-1352.2Assumption without lender approval,
6-1382Attorney general; rule,
regulation, or interpretation by; reliance on,
6-1369Beneficial ownership, definition as to affiliated
business arrangements,
6-1415Benefit, identity of person receiving,
6-1445.9Booklets, special information—See Information booklets, special, this heading.
Broker—See Mortgage broker, this heading.
Business, referral of; payment of thing of value
for prohibited,
6-1404Business
day, definition,
6-1370Rental property, residential,
6-1381Charges to be stated,
use of uniform settlement statement form,
6-1390Composite
analysis, definition,
6-1423.1See also Accounting methods, escrow
accounts, this heading.
Consumer Financial Protection Bureau
Good faith estimate, form,
6-1437Uniform settlement statement, prescription
Control, definition as to affiliated business
arrangements,
6-1416Controlled
business arrangements,
6-1357Computer loan origination system (CLO), use of in,
6-1447Things of value, permissible,
6-1413Dealer consumer credit
contract,
6-1436.2Delivery, definition
as to escrow accounts,
6-1423.12Direct ownership, definition as to affiliated business
arrangements,
6-1416Educational
activities exempted from unearned-fee and kickback prohibitions,
6-1405Effective date of
transfer, definition,
6-1370Accounting methods—See Accounting methods, escrow accounts, this heading.
Methods—See Accounting methods, escrow accounts, this heading.
See also Statements, this subheading.
Default, foreclosure, or bankruptcy,
6-1423.42Disbursements
Disclosure statements—See Statements, this subheading.
See also Statements, this subheading.
Penalty, imposed by payee; definition,
6-1423.16Pre-rule account
Annual statements—See Annual statements, this subheading.
Annual statements—See Annual statements, this subheading.
Fee for preparation of prohibited,
6-1362Initial statements—See Initial statements, this subheading.
Uniform settlement statement, delivery and advance inspection,
6-1396Federal court jurisdiction,
6-1366Federally related
mortgage loans
Housing and Urban
Development Regulation X, as to,
6-1371Servicing transfers—See Servicing
transfers, this heading.
Fees
See also Kickbacks, this heading.
Escrow account
statement, fee for preparation of,
6-1362Goods and services actually furnished or rendered,
payment for permissible,
6-1405Mortgage broker—See Mortgage
broker, this heading.
Referrals, payment to employees for permissible,
6-1405Truth in Lending Act statement, fee
for preparation of,
6-1362;
6-1398See also specific type of
service.
Uniform settlement statement,
fee for preparation of,
6-1362;
6-1398Forms HUD-1, HUD-1A—See Uniform settlement statement, this heading.
Franchisee, definition,
6-1420Franchisor, definition,
6-1420Goods actually furnished, payment for permissible,
6-1405Government agencies or
instrumentalities, loans to exempt,
6-1356.3Dealer loan or consumer credit contract,
6-1436.2Identity of person receiving benefit,
6-1445.9See also Fees, this heading.
Business referral,
payment of thing of value for,
6-1404Educational activities exempted,
6-1405Promotional activities
exempted,
6-1405Referrals
by employees, exempted,
6-1405Land
Liens
Subordinate, applicability
of rules to,
6-1351Managerial
employee, definition,
6-1372Manufactured home, definition,
6-1372Mortgage broker
Estimate, good faith;
to provide,
6-1386 et seq.
Table funding, not
considered exempt secondary-market transaction,
6-1382Mortgaged property, definition,
6-1373Mortgage loan, federally related—See Federally related mortgage loans, this heading.
Mortgage servicing—See Servicing transfers, this heading.
Office space, high rental payment for; as disguised
referral fee,
6-1447.2Origination
service, definition,
6-1373Prepayment penalty, definition,
6-1373Promotional activities
exempted from unearned-fee and kickback prohibitions,
6-1405Property taxes, payment of from escrow
account,
6-1423.45Providers,
required by lender; good faith estimates,
6-1389 et seq.
Recordkeeping
Affiliated business arrangements,
6-1420Referral of business
Computer loan
origination system (CLO),
6-1447Employees, by; exemption,
6-1405Rental of office space, high payment,
6-1447.2Refinancing
Rental property, residential; business-loan exemption
inapplicable,
6-1381Required
use
Affiliated business arrangements, in,
6-1411Secondary-market transaction,
exemption,
6-1382Services actually rendered,
payment for permissible,
6-1405Disputes, protection
of credit rating during resolution of,
6-1356.19Payments received
by transferor during transfer period, not considered late,
6-1356.16;
6-1428.3Qualified written request, definition,
6-1428.1Settlement, definition,
6-1374Settlement agent,
definition,
6-1374Settlement
services
See also Estimates of settlement services, good faith, this heading.
Information
booklets, listed in,
6-1445.2Settlement statement, uniform—See Uniform
settlement statement, this heading.
Special information booklets—See Information booklets, special, this heading.
Subordinate-lien
loans, settlement statements,
6-1390Table funding
Exempt secondary-market
transaction, not considered,
6-1382Temporary financing, exemption,
6-1381.1Thing of value
Kickback, as—See Kickbacks, this heading.
Third party, definition,
6-1376Title service, definition,
6-1376Transfer of servicing—See Servicing transfers, this heading.
Truth in Lending Act statement, fee for preparation
of prohibited,
6-1362;
6-1398Changes, permissible,
6-1391 et seq.
Instructions for
completion,
6-1434 et seq.
Use of by settlement agent,
6-1390Reports
Agreement corporations—See Agreement corporations.
Bank holding companies—See Bank holding companies.
Brokers, by—See Securities brokers and dealers.
Call reports—See Financial statements and reports, at Reports of condition and income.
Change in bank control, bank holding companies,
4-802Merger, incident to,
4-803Clearing agencies—See Clearing agencies.
Congress, to—See specific
agencies issuing reports.
Consumer and
community affairs, authority to issue forms,
8-109Consumer credit reporting—See Fair credit reporting.
Correspondent banks, indebtedness of member bank officers
and shareholders to; reports of,
3-1031See also Loans
to officers, directors, and shareholders of member banks.
Credit reports—See Fair credit reporting; Truth in lending.
Credit transactions,
1-541Crimes involving financial institutions
Edge and agreement corporations,
3-521Foreign banks in United States,
3-606State member banks,
3-374Currency—See Currency and foreign transactions.
Deposit Insurance Fund, loss to,
1-400.72 et seq.
Edge corporations—See Edge corporations.
Electronic fund transfers regulation, annual report,
6-394Emergency Loan Guarantee
Fund, annual report to Congress,
1-560Equal credit opportunity, to Congress by Federal Reserve
Board and attorney general,
6-110Examination
Confidentiality—See Freedom of information, at Federal Reserve Board information availability
rules and at Confidential information on supervised
financial institutions.
Foreign branches of
national banks,
1-223Forms
and other print matter, Federal Reserve Board authority to issue
Consumer and community affairs,
8-109Securities and Exchange Commission,
Federal Reserve Board authority to make available to,
8-108.92Fair Credit Reporting Act
Attorney general, reports to Congress on requests for
consumer information in counterintelligence investigations,
6-1577.25;
6-1577.28Consumer credit reports—See Fair credit reporting.
Fair debt collection practices, by Federal Trade Commission to Congress,
6-1698Fair housing, by
Department of Housing and Urban Development,
6-1458Federal Reserve Banks—See Federal Reserve Banks.
Federal Reserve Board—See Federal Reserve Board.
Access to—See Freedom of information.
Federal Trade Commission reports to Congress on fair debt collection
practices,
6-1698Financial—See Financial statements and reports.
Foreign banking
Banking
corporations engaged in—See Edge corporations.
Federal Reserve Banks
Member bank stock holdings in foreign banks, report
of condition,
8-108.5Foreign banks, by; failure to
make,
1-580 et seq.
Foreign
branches of national banks, examination,
1-223Foreign financial agencies, reports on transactions
with,
3-1702.95 et seq.
Foreign
transactions—See Currency
and foreign transactions.
Freedom of Information
Act reports to Congress,
8-261 et seq.
Institutional investments manager, by,
5-099;
5-102Insured
depository institutions—See Insured depository institutions.
International financial activities of United States,
reports to president,
1-479International Monetary Fund, by
Borrowing countries,
on progress of,
1-500Congress,
reports to
Palestine Liberation Organization
membership,
1-500.9Unfair
trade practices, loans to countries with,
1-501.29Loans
Foreign bank, by;
secured by stock of U.S. depository institution,
1-350.1 et seq.;
4-052.71 et seq.
Member bank officers, directors, and shareholders—See Loans to officers, directors,
and shareholders of member banks.
McFadden
Act, applicability to financial situation; report to Congress,
1-576Member banks—See also State member banks, this
heading.
Affiliates,
1-070 et seq.
Functionally regulated, Federal
Reserve Board authority to require limited,
1-401.7 et seq.
Time extension, authority to grant,
8-121Credit card plans,
as to extensions of credit to member bank officers and shareholders,
3-1095Executive officers
Indebtedness to other banks, reports of,
3-1050 et seq.
Loans to officers
and shareholders—See Loans
to officers, directors, and shareholders of member banks.
See also Currency
and foreign transactions.
Municipal securities
dealers and brokers, examinations,
5-151National Advisory Council on International Monetary
and Financial Problems, reports to president,
1-479National bank examination
Foreign branches, of,
1-223Political impact on International Monetary Fund borrowing countries
in stabilization programs,
1-500Public observation of federal agency
meetings, reports on,
8-433Regulatory agencies for securities organizations, annual reports
to Congress,
5-228Securities—See Securities.
Securities and Exchange Commission
Annual report to Congress,
5-228Items to be included,
5-229Required by,
5-159 et seq.
Failure to file, penalties for violations,
5-255Securities brokers and dealers—See Securities brokers and dealers.
Securities credit
Banks
and persons other than brokers or dealers,
5-856Brokers and dealers, by—See Securities brokers and dealers.
Securities
traders, large; by and about transactions of,
5-105.1 et seq.
Security devices and procedures
Edge and agreement corporations,
3-451Insurance premium rate differential,
report to Congress,
1-472.3State member banks,
3-373Self-regulatory securities organization
Other
self-regulatory organizations, to,
5-165Relief from responsibility of regular filing,
5-164Social impact on International
Monetary Fund borrowing countries in stabilization programs,
1-500State member banks
Collective investment fund, financial report requirement,
3-272Reports of condition
and income—See Financial
statements and reports.
Securities of,
3-285 et seq.
Securities
transactions, officers and employees involved in investment decisions,
3-273Suspicious-activity report
(SAR)—See Currency and
foreign transactions.
Trading with the
enemy, regarding,
1-440Truth in lending, regulation of credit reports,
6-1113Attorney general, reports as to,
6-1069Credit reports, regulation,
6-1113Federal Reserve
Board, reports as to,
6-1069Waiver, reports of national bank examinations,
1-187Reserve requirements
, 2-122 et seq.
Accounts payable not
deposits for purposes of,
2-131Affected institutions
Building
and loan associations,
2-310Cooperative insurance corporations,
2-310.13Institutions outside United States,
2-310.11Nebraska cooperative
credit associations,
2-310.1Nonmember institutions, member deposits with,
2-310.12Rhode Island loan and investment banks,
2-310.14Agreement corporations,
2-125Amount increased annually
by Federal Reserve Board,
1-168;
2-215 Annuity contracts, nonpersonal time
deposits,
2-340.11Assets,
sale guaranteed by bank; deposits,
2-325.14Automated teller machines, withdrawals and transfers
through—See Transaction
accounts.
Balances with Federal Reserve
Banks
Banker's banks, due to; reporting requirements,
2-308.3Checking against
by member bank,
2-238Deficiencies,
penalties for—See Deficiency in reserve
balance, this heading.
Due-from deductions
Balance due from another
depository institution counted as state reserve, as,
2-307.8Book amount to be used for reporting
purposes,
2-307.9Checking-type
accounts maintained by credit union at corporate central as,
2-307.7Federal Home Loan Banks,
demand balances held with not considered,
2-307.6National Credit Union Central Liquidity Facility,
demand balances held with not considered,
2-307.6Eurocurrency liabilities, balances due to foreign
offices of other depository institutions; treatment,
2-308.6Items received for clearing,
computation as reserves,
9-796;
9-798Ambiguity, delegated authority to determine
in cases of,
8-106.5Member
banks, checking against and withdrawal,
2-238Private banks, due to; reporting requirements,
2-308.3Withdrawal by member
bank,
2-238Zero-balance
account, check drawn on by depository institution at correspondent;
treatment,
2-308.5Bank
acting as trustee, obligations of as deposits,
2-324.2Bank applying for Federal Reserve System membership,
compliance requirements,
1-059Banker's acceptances
Maturity provisions,
changes in,
2-305.2Repurchase
agreement, sale under,
2-305.1Banker's banks
Balances due to,
reporting requirements,
2-308.3Bank holding companies
Overnight loans to bank
subsidiaries, as deposits,
2-325.13Reorganization of banking subsidiaries, transitional
adjustments,
2-360.13Bill
of lading drafts as cash items in process of collection,
2-152Bonds, matured; as cash
items in process of collection,
2-152Broker security drafts as cash items in process of collection,
2-152Building and loan
associations, effect on,
2-310Bullion, gold; computation of reserves,
2-260.1Capital-equivalency deposit agreements,
nonpersonal time deposits,
2-340.1Cashier's check, as deposit,
2-126Cash items
Availability
as reserves,
2-170Payable-through banks, instruments
presented by,
2-315Cash-management
plans
Computation and maintenance of reserves,
2-320.1Certificates of deposit
Line of
credit, with; transaction accounts,
2-345.16Payable outside and issued in the United States,
2-330.01Checking accounts,
statements combined with savings; transaction accounts,
2-345Checks—See also specific type of check.
Banks or United States Treasury, drawn on as cash items
in process of collection,
2-151Zero-balance account, drawn on by depository institution
at correspondent; treatment,
2-308.5Check verification terminals, transfers through; transaction
accounts,
2-345.13Club
accounts
Transferability, payment to third
party,
2-301.1Transfers
to from savings account, transaction account,
2-301.5Coin
Coin-wrapping servicer
as eligible reserve assets, sent to,
2-306.9Gold, computation of reserves,
2-260.1Overnight trust receipt, sale of
by prohibited,
2-307Combined
savings/checking statements, transaction accounts,
2-345 Commodity drafts as cash items in
process of collection,
2-152Computation of reserves,
2-159 et seq.
Correspondent banks
Daily average deposit balances, based on,
2-163Institutions
that report on quarterly basis, for,
2-164Institutions that report on weekly basis, for,
2-163Instruments drawn against
correspondent banks,
2-320.11Interbank funds-management arrangement, avoidance of requirements,
2-320.14Monetary Control
Act of 1980, pursuant to,
2-260Overdrafts in transaction accounts,
2-167Shifting funds between depository institutions,
low reserve tranche,
2-260.11Transaction accounts,
2-167Shifting funds between institutions,
2-260.11Consolidations, transitional adjustments,
2-191Cooperative credit associations
in Nebraska, effect on,
2-310.1Cooperative insurance corporations, effect on,
2-310.13Correspondents—See Pass-through correspondents.
Coupons (bonds), as cash items in process of
collection,
2-152Credit
balance, definition as deposit,
2-128Shares not deposits for purposes of,
2-133Deductions allowed in computing reserves,
2-168Deficiency in reserve
balance
Passing on to deficient
respondent institution,
2-307.3Waivers of requirements and penalties,
8-121.96Demand deposits
Government, not to apply only to designated
Treasury Tax and Loan depositories,
2-306Overdraft in computation of reserves,
2-167Transaction accounts as,
2-140 et seq.
Money market deposit,
combined with,
2-345.24Accounts payable,
not considered,
2-131Assets,
sale guaranteed by bank,
2-325.14Bank acting as trustee, obligations of,
2-324.2Bank holding companies, overnight loans to
bank subsidiaries,
2-325.13Definition,
2-126 et seq.
Exceptions,
2-130 et seq.
Federal funds—See Federal funds.
Foreign branches, at; guaranteed by domestic office,
2-260.55Government units, of; nonpersonal
time deposits,
2-340Guarantees
by U.S. banks on deposits payable outside country,
2-330.1Interbank borrowing—See Interbank exemption, this heading.
International banking facilities, of; acknowledgment
of use,
2-206.12Conditional liability of endorser,
2-324.4Loan participations
Loans
Overnight; by bank
holding companies to bank subsidiaries,
2-325.13Serviced for other, funds received,
2-308.4Mortgage-backed securities,
2-324.3Bank-issued, guaranteed
by Government National Mortgage Association,
2-260.5Nonbank affiliates, notes issued by,
2-325.1Nonpersonal time deposits
of government units,
2-340Notes issued by nonbank affiliates,
2-325.1Overnight loans by bank holding companies to bank
subsidiaries,
2-325.13Repurchase agreements—See Repurchase agreements, at Reserve requirements.
Sale of assets guaranteed by bank,
2-325.14Total, as to quarterly reporters having reached
$15 million,
2-305.9Trust
funds—See Trust funds, this heading.
Deposit payable outside the United States,
2-125;
2-329 et seq.
Certificate of deposit issued in United States,
2-330.01Trust department of U.S. parent institution, funds
deposited by,
2-330Diplomats,
foreign; as U.S. residents,
2-362Dividends of depository institutions, not deposits for
purposes of,
2-132Draft
Definition as deposit,
2-126Payable through depository institution as cash
item in process of collection,
2-152Due bill for securities transaction
Deposit, definition as,
2-127Less than three days, evasion of reserve requirements,
2-325.22Earnings on balances with Federal
Reserve Banks,
1-168.8Earnings Participation Account, supplemental reserves maintained
in,
1-168.3Edge corporations—See Edge corporations.
Eligible reserve assets
Coin
sent to coin-wrapping servicer as vault cash,
2-306.9Sale of coin by overnight trust receipt prohibited,
2-307Emergency requirement
Federal Reserve Board finding,
2-198Estimation of reserve balance required,
method,
2-238Eurocurrency
liabilities—See Eurocurrency
liabilities.
Excess reserves
Institution maintaining reserves on pass-through basis,
proper treatment,
2-308Pass-through correspondent, maintained with in immediately withdrawable
deposits; reservable,
2-308.2Borrowings from corporate
central credit unions,
2-305.4Broker acting as agent for depository institution, purchase of federal
funds through,
2-305.3Corporate
central credit unions, borrowings from,
2-305.4Edge corporation, loan to cover overdraft; exemption
for parent bank,
2-308.1Foreign, international, and supranational entities,
2-280Institutions, certain,
2-233International
banking facilities,
2-206.12Extension of credit by international banking facilities, definition
as to,
2-206.11Federal
funds—See Federal funds.
Federal Home Loan Banks, demand balances held
with not considered as due-from deductions,
2-307.6Federal Home Loan Mortgage Association, repurchase
agreement on guaranteed securities, exemption,
2-305.5Federal National Mortgage Association, repurchase
agreement on guaranteed securities, exemption,
2-305.5Federal Reserve Banks—See Balances with Federal Reserve Banks, this
heading.
Federal Reserve Board
Food coupons as cash
items in process of collection,
2-152Correspondents, limitation to one,
2-307.4Eurocurrency liabilities,
2-148 et seq.
Federal Reserve Board imposing,
1-567United States agencies,
transitional adjustments,
2-360.11United States branches
Liabilities
not deposits for purposes of,
2-133Deposits at guaranteed by domestic office,
2-260.55National banks, of; exemptions,
3-697Foreign countries,
highly indebted; additional reserves to cover loans to,
3-672.2 et seq.
Foreign entities, deposits
exempt,
2-280Foreign obligations
or assets, reserves related to,
1-168.4;
2-223Foreign offices of other
depository institutions, treatment of balances,
2-308.6Former member banks permitted to pass reserves
through correspondent,
2-307.5Gold coin and bullion, computation of reserves,
2-260.1Government
Demand deposits, not to apply only to designated Treasury
Tax and Loan depositories,
2-306Institutions, balances maintained with for liquidity
requirements,
1-169;
2-237Units, deposits of; nonpersonal time deposits,
2-340Government National
Mortgage Association, repurchase agreement on guaranteed securities,
exemption,
2-305.5Guam
resident not U.S. resident,
2-362.1Guarantees by U.S. banks on deposits payable outside country,
2-330.1Holiday clubs—See Club accounts, this heading.
Housing authority obligations, not deposits
for purposes of,
2-133Hypothecated deposits not deposits for purposes of,
2-131Increase, annual; by Federal Reserve
Board,
1-168;
2-215Indian tribe funds, nonpersonal time deposits,
2-340.12Installment loans
Accounts not deposits for purposes of,
2-132Payments not deposits
for purposes of,
2-131Institutions
affected
Building and loan associations,
2-310Cooperative insurance corporations,
2-310.13Institutions outside
United States,
2-310.11Member deposits with nonmember institutions,
2-310.12Nebraska cooperative credit associations,
2-310.1Nonmember institutions,
member deposits with,
2-310.12Rhode Island loan and investment banks,
2-310.14Instruments drawn against correspondent banks,
computation and maintenance,
2-320.11Instruments presented by payable-through banks, cash items
in process of collection,
2-315See also Federal
funds.
Evasion of reserve requirements,
2-320.14International
banking facilities—See International
banking operations, at Facilities.
International entities, deposits exempt,
2-280International organizations, employees of
considered U.S. residents,
2-362IRAs—See IRAs.
Keogh accounts—See Keogh accounts.
Letters
of credit, Edge or agreement corporations,
3-735Liability of depository institution, definition
as deposit; exceptions,
2-129;
2-129.1Conditional liability of endorser,
2-324.4Liquidity requirement
Balances maintained with government institutions,
1-169;
2-237Loan and investment banks in Rhode Island, effect on,
2-310.14Loan participations
Loans
Edge corporations,
to; to cover overdrafts, exemptions for parent banks,
2-308.1In process, treatment on Form FR
2900,
2-306.6Overnight,
by bank holding companies to bank subsidiaries; as deposits,
2-325.13Serviced for others,
funds received as deposits,
2-308.4Ambiguity, delegated authority to determine in cases
of,
8-106.5Maintenance
of reserves,
2-159 et seq.
Correspondent banks
Mergers
Time deposit ratios for
member banks involved in,
2-305.8Transitional adjustments,
2-191Monetary Control Act of 1980, computation pursuant
to,
2-260Money market deposit
accounts—See Money market, at Deposit accounts.
Money order
Cash item in process of collection,
2-152Mortgage-backed securities
and participations, exemption from definition of ``deposit,''
2-133;
2-305;
2-324.3Government National Mortgage Association,
guaranteed by; issued by bank,
2-260.5National bank notes, fund for redemption not counted
as reserve,
1-179National
banks, foreign branches of; exemptions,
3-697National Credit Union Central Liquidity Facility,
demand balances held with not considered due-from deductions,
2-307.6Natural person, definition,
2-147Nebraska cooperative
credit associations, effect on,
2-310.1Net transaction accounts
Nonbank affiliates, notes issued by; deposits,
2-325.1Nonmember institutions,
member deposits with; effect on,
2-310.12 Nonpersonal time deposits
Capital
equivalency deposit agreements,
2-340.1Government units,
of,
2-340Promissory note,
represented by,
2-145Reserve
ratios, exemption,
2-207Reserves maintained against,
2-214Nontransferability,
2-300 et seq.
Non–U.S.
residents, time deposits held by; international banking facilities,
2-335Notes issued by nonbank
affiliates; deposits,
2-325.1NOW accounts—See NOW
accounts.
Obligations of affiliates of
depository institutions, definition as deposit,
2-128Overdrafts
Edge
corporations, by; loans to cover exempt for parent banks,
2-308.1Trust account, computation of reserves,
2-260.12Overnight loans
by bank holding companies to bank subsidiaries, as deposits,
2-325.13Participations
International banking facilities,
2-335.1Mortgage-loan—See Mortgage-backed securities and participations, this heading.
Pass-through
accounts—See Pass-through
accounts.
Pass-through correspondents—See Pass-through correspondents.
Pass-through securities, mortgage;
reservable,
2-305Payable-through
banks, instruments presented by; cash items in process of collection,
2-315Penalties
Liquidity requirement, failure to meet; waiver,
2-234Reserve-balance deficiency—See Deficiency in reserve balance, at Charges for, this heading.
Percentages, ratios,
2-207Postal money orders as cash items in process of collection,
2-152 Preauthorized transfers,
as to transaction accounts
Private banks, balances due to;
reporting requirements,
2-308.3Ratios—See Reserve ratios, this heading.
Redemption of
national bank notes, fund not counted as reserve,
1-179Regulation E, exempt transfers; transaction
accounts,
2-345.15Regulations
prescribed by Federal Reserve Board,
1-167;
2-209Remote service units,
transfer through; transaction accounts,
2-345.13Reports
Banker's banks,
balances due to,
2-308.3Book amount of balance due to be used in reporting due-from deductions,
2-307.9Computation of reserves,
2-320Due-from deductions,
book amount of balance due to be used in reporting,
2-307.9Maintenance of reserves,
2-320Private banks, balances
due to,
2-308.3Supplemental reserve
requirement, Federal Reserve Board to Congress,
1-168.3;
2-219Total deposits,
definition used to determine if reporters have reached $15 million,
2-305.9Waiver of reserve
ratios, Federal Reserve Board to Congress,
1-168.2;
2-217Zero reserve requirements,
depository institutions with,
2-305.7Repurchase agreements—See Repurchase agreements, at Reserve
requirements.
Federal Reserve Board
Residents of United States—See United States, this heading.
Respondent institutions—See also Pass-through correspondents.
Rhode Island loan and investment banks, effect
on,
2-310.14Sale of assets
guaranteed by bank, deposits,
2-325.14Savings accounts—See Savings accounts.
Savings
and loan associations,
2-123Savings/checking statements, combined; transaction accounts,
2-345Savings deposits—See Savings deposits.
Securities guaranteed by United States, repurchase
agreements on; exemption,
2-305.5Securities transaction due bill, definition as deposit,
2-127Settlement accounts,
international banking facilities,
2-335.11Shifting funds between depository institutions
to use low reserve tranche,
2-260.11Statements, combined savings/checking; transaction accounts,
2-345Student Loan Marketing
Association, repurchase agreement on guaranteed securities, exemption,
2-305.5Supplemental reserves
Earnings Participation Account, maintaining in,
1-168.3Imposition of requirement
by Federal Reserve Board, conditions,
1-168.3;
2-218Requirement
Earnings Participation Account, Federal Reserve Bank
maintains in,
1-168.3Supranational entities, deposits exempt,
2-280Suspension by Federal Reserve Board,
1-094Teller's check
Third parties, transfers through institutions to; transaction accounts,
2-345.11Thrift institutions,
closed; transitional adjustments for successors,
2-360.14Time deposits—See Time deposits.
Total deposits, definition as to quarterly reporters having reached
$25 million,
2-305.9Transaction
accounts—See Transaction
accounts.
Transfers
Regulation E, exemptions from; transaction accounts,
2-345.15Third parties, through institutions
to; transaction accounts,
2-345.11Transitional adjustments of computations
Member and former member institutions,
1-168.5;
2-227 et seq.
Mergers and consolidations,
2-191Nonmember institutions
Mergers and consolidations,
2-191Reorganization
of banking subsidiaries by bank holding company,
2-360.13Scope of regulation,
2-232Thrifts, closed; successors to,
2-360.14United States agencies of foreign
banks,
2-360.11Trust funds
Deposits, not considered for purposes of,
2-130Deposits payable outside United States, deposited
by U.S. parent institution's trust department,
2-330Overdrafts, computation of reserves,
2-260.12Time deposit open
accounts, zero-interest; use of by bank trust departments,
3-1597Uniform application to
nonpersonal time deposits and transaction accounts,
1-168.1;
2-216United
States
Agencies of foreign banks, transitional
adjustments,
2-360.11Deposit payable outside—See Deposit payable outside the United States, this heading.
Residents,
definition,
2-158Foreign
diplomats and employees of international organizations,
2-362Vacation clubs—See Club accounts, this heading.
Vault cash
Carryover deficiencies,
use of to meet,
2-320.12Eligible
reserve assets
Coin sent to coin-wrapping servicer
as vault cash,
2-306.9Sale
of coin by overnight trust receipt prohibited,
2-307Form reserves to be held in,
2-162Rented
space in another institution, coin and currency permitted to be in,
2-307.2Sale of excess; overnight
trust receipt,
2-307Savings
bonds, redeemed; as,
2-307.1Violations, penalties for—See Penalties, this heading.
Zero
Balance account, check drawn on at correspondent by depository
institution; treatment,
2-308.5Reserve requirements, reporting requirements,
2-305.7Zero-interest-rate
time deposits,
2-343.17
