Proposals for Comment Skip to content
The Board has requested public comment on the proposals listed below. Comments can be submitted through this web site using the "Submit comment" links. Comments may also be submitted in writing or by electronic mail (see text of each proposal for contact information). Please note the closing date for each comment period. Public comments on the proposals and, if publicly available, related staff materials can be viewed by following the associated links. Comments can also be viewed in Room MP-500 of the Board’s Martin Building (20th and C Streets, NW, Washington, D.C.) between 9:00 a.m. and 5:00 p.m. (Eastern Time) weekdays or can be obtained by formal request under the FOIA. All comments are reproduced without alteration except when necessary for technical reasons. The proposals are grouped by subject: (1) regulations ("Rulemaking Proposals"), (2) policies ("Other Proposals"), and (3) reports of financial and other information ("Information Collection Proposals"). Under each heading, the proposals are listed in reverse order of publication in the Federal Register, with the most recently published proposal as the first entry. The rules and proposed rules that the Board expects to issue during the next six months are summarized in the Unified Agenda (also known as the Semiannual Regulatory Agenda), which is published twice a year in the Federal Register. View the Board’s Unified Agenda. You can find, review, and submit comments on other federal documents that are open for comment and published in the Federal Register at Regulations.gov.
Rulemaking Proposals
Proposals concerning Board regulations codified in the Code of Federal Regulations
Proposed amendment to Regulation S (Right to Financial Privacy), which sets the rates and conditions under which a government agency must reimburse a financial institution for costs incurred in producing customer financial records under the Right to Financial Privacy Act.
Closing date for comments: 09/29/2008
Submit comment on this proposal View comments on this proposal Regulation C - Home Mortgage Disclosure [R-1321] (93 KB PDF)
Proposal to amend Regulation C (Home Mortgage Disclosure) to revise the rules for reporting price information on higher-priced loans. The rules would be conformed to the definition of "higher-priced mortgage loan" adopted by the Board under Regulation Z (Truth in Lending) contemporaneously with this proposal
Closing date for comments: 08/29/2008
Submit comment on this proposal View comments on this proposal Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Standardized Framework [R-1318] (480 KB PDF)
Interagency proposal of a new risk-based capital framework (standardized framework) based on the standardized approach for credit risk and the basic indicator approach for operational risk described in the capital adequacy framework titled "International Convergence of Capital Measurement and Capital Standards: A Revised Framework" (New Accord) released by the Basel Committee on Banking Supervision. The standardized framework generally would be available, on an optional basis, to banks, bank holding companies, and savings associations (banking organizations) that apply the general risk-based capital rule
Closing date for comments: 10/27/2008
Submit comment on this proposal View comments on this proposal Interagency proposal to implement the risk-based pricing provisions in section 311 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act), which amends the Fair Credit Reporting Act (FCRA)
Closing date for comments: 08/18/2008
Submit comment on this proposal View comments on this proposal Request for comment on proposed amendments addressing creditors' responsibilities to establish reasonable instructions for receiving timely payments and when a due date falls on a weekend or holiday. Creditors' responsibilities when investigating a claim of unauthorized transactions or an allegation of a billing error. Creditors' requirement to provide additional information about how interest could be imposed in advertisements for deferred interest plans.
Closing date for comments: 07/18/2008
Submit comment on this proposal View comments on this proposal Interagency proposed rule prohibiting institutions from engaging in certain acts or practices in connection with consumer credit card accounts and overdraft services for deposit accounts
Request for comment on proposed amendments to Regulation DD, which implements the Truth in Savings Act, and the staff commentary to the regulation, to provide additional disclosures about account terms and costs associated with overdrafts
Closing date for comments: 07/18/2008
Submit comment on this proposal View comments on this proposal Request for comment on proposed changes to Regulation D (Reserve Requirements of Depository Institutions) and Regulation I (Issue and Cancellation of Federal Reserve Bank Stock) to incorporate provisions of the Financial Services Regulatory Relief Act of 2006.
Closing date for comments: 03/28/2008
Submit comment on this proposal View comments on this proposal Interagency proposed regulations and guidelines to help ensure the accuracy and integrity of information provided to consumer reporting agencies and to allow consumers to directly dispute inaccuracies with financial institutions and other entities that furnish information to consumer reporting agencies.
Closing date for comments: 02/11/2008
Submit comment on this proposal View comments on this proposal Interagency proposal to implement the Unlawful Internet Gambling Enforcement Act. Commenters are requested to submit comments to both Agencies. To submit comments to the Department of the Treasury go to http://www.regulations.gov, select "Department of the Treasury - All" from the agency drop-down menu, then click "Submit." In the "Docket ID" column, select "Treas-DO-2007-0015" to submit or view public comments.
Closing date for comments: 12/12/2007
Submit comment on this proposal View comments on this proposal Request for comment on proposed amendments that are intended to improve the effectiveness of the disclosures consumers receive in connection with credit card accounts and other revolving credit plans by ensuring that information is provided in a timely manner and in a form that is readily understandable.
Closing date for comments: 10/12/2007
Submit comment on this proposal View comments on this proposal Joint notice of proposed rulemaking (NPR) requesting comment on a model privacy form that financial institutions can use for their privacy notices to consumers required by the Gramm-Leach-Bliley Act (GLB Act).
Closing date for comments: 05/29/2007
Submit comment on this proposal View comments on this proposal Interagency proposed revisions to the market risk capital rule to enhance its risk sensitivity and introduce requirements for public disclosure of certain qualitative and quantitative information about the market risk of a bank or bank holding company
Closing date for comments: 01/23/2007
Submit comment on this proposal View comments on this proposal Joint advanced notice of proposed rulemaking requesting comment from the public, including law enforcement and financial institutions, to assess whether the potential benefit to law enforcement of a lower threshold outweighs the potential burden to financial institutions.
Closing date for comments: 08/21/2006
Submit comment on this proposal View comments on this proposal Joint request for comment on issues related to the accuracy of consumer credit reports and the reinvestigation of disputes
Closing date for comments: 05/22/2006
Submit comment on this proposal View comments on this proposal Request for comment on second advance notice concerning open-end credit rules of Regulation Z
Closing date for comments: 12/16/2005
Submit comment on this proposal View comments on this proposal Request for comment on advanced notice of proposed rulemaking to review open-end credit rules.
Closing date for comments: 03/28/2005
Submit comment on this proposal View comments on this proposal Proposed framework for Risk-Based Capital Guidelines; Implementation of New Basel Capital Accord
Other Proposals
Proposals concerning Board policies not codified in the Code of Federal Regulations
Request for comment on new and revised interagency questions and answers regarding flood insurance.
Closing date for comments: 05/20/2008
Submit comment on this proposal View comments on this proposal Request for comment on a proposed change to the daylight overdraft posting rules under the Board's Payments System Risk (PSR) policy to align the posting times for ACH credit and debit transfers in the payments system.
Request for comment on proposed changes to the Board's Payments System Risk policy.
Interagency proposed guidance entitled Garnishment of Exempt Federal Benefit Funds
Closing date for comments: 11/27/2007
Submit comment on this proposal View comments on this proposal Interagency request for comment on proposed illustrations of consumer information for subprime mortgage lending.
Closing date for comments: 10/15/2007
Submit comment on this proposal View comments on this proposal Request for comment on a series of new and revised interagency questions and answers pertaining to the Community Reinvestment Act (CRA).
Closing date for comments: 09/10/2007
Submit comment on this proposal View comments on this proposal Request for comment regarding the discussion topics for the Federal Reserve Board June 14th public hearing under the Home Ownership and Equity Protection Act (HOEPA).
Closing date for comments: 08/15/2007
Submit comment on this proposal View comments on this proposal Interagency proposed Supervisory Guidance for Internal Ratings-Based Systems for Credit Risk, Advanced Measurement Approaches for Operational Risk, and the Supervisory Review Process (Pillar 2) Related to Basel II Implementation
Closing date for comments: 05/29/2007
Submit comment on this proposal View comments on this proposal View related staff materials Request for comment from financial institutions and other interested parties on their experience in managing intraday liquidity, credit, and operational risks relating to Fedwire funds transfers and associated transactions.
Closing date for comments: 03/15/2007
Submit comment on this proposal View comments on this proposal Public hearings on the home equity lending market and the adequacy of existing regulatory and legislative provisions in protecting the interests of consumers
Closing date for comments: 08/15/2006
Submit comment on this proposal View comments on this proposal Joint request for comment on proposed classification of commercial credit exposures
Closing date for comments: 06/30/2005
Submit comment on this proposal View comments on this proposal Proposal to standardize and expand the examination data collected in support of the Shared National Credit Program
Closing date for comments: 02/15/2005
Submit comment on this proposal View comments on this proposal Proposed supervisory guidance on the internal-ratings-based (IRB) approach to determine regulatory capital requirements for retail credit exposures
Closing date for comments: 01/25/2005
Submit comment on this proposal View comments on this proposal Request for comment on the adequacy of disclosures on debit card fees
Closing date for comments: 07/23/2004
Submit comment on this proposal View comments on this proposal Proposal to adopt an interpretation of the anti-tying restrictions of section 106 of the Bank Holding Company Act Amendments of 1970, and related supervisory guidance
Closing date for comments: 09/30/2003
Submit comment on this proposal View comments on this proposal
Information Collection Proposals
Proposals concerning the reporting of financial and other information under authority delegated to the Board by the Office of Management and Budget
Agency Information Collection Activities (50 KB PDF)
Proposal to approve under OMB delegated authority the extension for three years, with revision, of the following reports: Survey of Terms of Lending (FR 2028), Report of Terms of Credit Card Plans (FR 2572), Report of Transactions, Deposits, and Vault Cash (FR 2900), and The Annual Report of Deposits and Reservable Liabilities (FR 2910a)
Agency Information Collection Activities (31 KB PDF)
Proposal to approve under OMB delegated authority the extension for three years, without revision, of the following reports: The Recordkeeping and Disclosure Requirements in Connection with Regulation M (Consumer Leasing) (Reg M)
Closing date for comments: 09/12/2008
Submit comment on this proposal View comments on this proposal Agency Information Collection Activities (44 KB PDF)
Proposal to approve under OMB delegated authority the extension for three years, with revision of the following reports: International Applications and Prior Notifications Under Subpart B of Regulation K (FR K-2), Application for a Foreign Organization to Acquire a Bank Holding Company (FR Y-3F), and Domestic Finance Company Report of Consolidated Assets and Liabilities (FR 2248)
Agency Information Collection Activities (59 KB PDF)
Proposal to approve under OMB delegated authority the extension for three years, without revision, of the following reports: Notifications Related to Community Development and Public Welfare Investments of State Member Banks (FR H-6). Proposal to approve under OMB delegated authority the extension for three years, with revision, of the following reports: Report of Changes in Organizational Structure, Supplement to the Report of Changes in Organizational Structure, Annual Report of Bank Holding Companies, and Annual Report of Foreign Banking Organizations (FR Y-10, FR Y-10E, FR Y-6, and FR Y-7), Application for Membership in the Federal Reserve System (FR 2083, 2083A, 2083B, and 2083C), Applications for Subscription to, Adjustment in the Holding of, and Cancellation of Federal Reserve Bank Stock (FR 2030, FR 2030a, FR 2056, FR 2086, FR 2086a, FR 2087)
Agency Information Collection Activities (4.3 MB PDF)
Proposal to approve under OMB delegated authority the extension for three years, with revision, of the following reports: Application for Prior Approval to Become a Bank Holding Company or for a Bank Holding Company to Acquire an Additional Bank or Bank Holding Company; Notification for Prior Approval to Become a Bank Holding Company or for a Bank Holding Company to Acquire an Additional Bank or Bank Holding Company; and Notification for Prior Approval to Engage Directly or Indirectly in Certain Nonbanking Activities (FR Y-3, FR Y-3N, FR Y-4, FR K-1 and FR 1379)
Agency Information Collection Activities (33 KB PDF)
Proposal to approve under OMB delegated authority the extension for three years, without revision, of the following reports: Recordkeeping and Disclosure Requirements Associated with the Guidance on Response Programs for Unauthorized Access to Customer Information (FR 4100) and The Recordkeeping and Disclosure Requirement in Connection with Regulation DD (Truth in Savings) (Reg DD)
Agency Information Collection Activities (76 KB PDF)
Proposal to extend for three years with revision the following currently approved collections of information: Report of Assets and Liabilities of U.S. Branches and Agencies of Foreign Banks; Report of Assets and Liabilities of a Non-U.S. Branch that is Managed or Controlled by a U.S. Branch or Agency of a Foreign (Non-U.S.) Bank (FFIEC 002; FFIEC 002S)
Closing date for comments: 03/17/2008
Submit comment on this proposal View comments on this proposal
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