Regulations

Governs borrowing by depository institutions and others at the Federal Reserve discount window

Prohibits lenders from discriminating against credit applicants, establishes guidelines for gathering and evaluating credit information, and requires written notification when credit is denied

Requires certain mortgage lenders to disclose data regarding their lending patterns

Sets uniform requirements for all depository institutions to maintain reserve balances either with their Federal Reserve Bank or as cash

Establishes the rights, liabilities, and responsibilities of parties in electronic funds transfers and protects consumers when they use such systems

Prescribes standards to limit the risks that the failure of a depository institution would pose to an insured depository institution

Implements provisions of the Gramm-Leach-Bliley Act that require reporting and public disclosure of written agreements between (1) insured depository institutions or their affiliates and (2) nongovernmental entities or persons, made in connection with fulfillment of Community Reinvestment Act requirements

Defines the requirements for membership of state-chartered banks in the Federal Reserve System; sets limitations on certain investments and requirements for certain types of loans; describes rules pertaining to securities-related activities; establishes the minimum ratios of capital to assets that banks must maintain and procedures for prompt corrective action when banks are not adequately capitalized; prescribes real estate lending and appraisal standards; sets out requirements concerning bank security procedures, suspicious-activity reports, and compliance with the Bank Secrecy Act; and establishes rules governing banks' ownership or control of financial subsidiaries

Sets out stock-subscription requirements for all banks joining the Federal Reserve System

Establishes procedures, duties, and responsibilities among (1) Federal Reserve Banks, (2) the senders and payors of checks and other items, and (3) the senders and recipients of Fedwire funds transfers

Governs the international banking operations of U.S. banking organizations and the operations of foreign banks in the United States

Generally prohibits a management official from serving two nonaffiliated depository institutions, depository institution holding companies, or any combination thereof, in situations where the management interlock would likely have an anticompetitive effect

Implements the consumer leasing provisions of the Truth in Lending Act by requiring meaningful disclosure of leasing terms

Governs relationships and transactions between Federal Reserve Banks and foreign banks, bankers, or governments

Restricts credit that a member bank may extend to its executive officers, directors, and principal shareholders and their related interests

Governs how financial institutions use nonpublic personal information about consumers

Prohibits member banks from paying interest on demand deposits

Defines the scope of securities activities that banks may conduct without registering with the Securities Exchange Commission as a securities broker and implements the most important exceptions from the definition of the term broker for banks under section 3(a)(4) of the Securities Exchange Act of 1934. Specifically, the regulation implements the statutory exceptions that allow a bank, subject to certain conditions, to continue to conduct securities transactions for its customers as part of its trust and fiduciary, custodial, and deposit "sweep" functions and to refer customers to a securities broker-dealer pursuant to a networking arrangement with the broker-dealer.

Establishes rates and conditions for reimbursement to financial institutions for providing customer records to a government authority and prescribes recordkeeping and reporting requirements for insured depository institutions making domestic wire transfers and for insured depository institutions and nonbank financial institutions making international wire transfers

Governs extension of credit by securities brokers and dealers, including all members of national securities exchanges (See also Regulations U and X.)

Governs extension of credit by banks or persons other than brokers or dealers to finance the purchase or the carrying of margin securities (See also Regulations T and X.)

Proposed rules to implement the notice and opt-out provisions of the Fair Credit Reporting Act applicable to financial institutions that give their affiliates certain information about consumers

Implements sections 23A and 23B of the Federal Reserve Act, which establish certain restrictions on and requirements for transactions between a member bank and its affiliates

Applies the provisions of Regulations T and U to borrowers who are subject to U.S. laws and who obtain credit within or outside the United States for the purpose of purchasing securities

Regulates the acquisition of control of banks and bank holding companies by companies and individuals, defines and regulates the nonbanking activities in which bank holding companies (including financial holding companies) and foreign banking organizations with United States operations may engage, and establishes the minimum ratios of capital to assets that bank holding companies must maintain

Prescribes uniform methods for computing the cost of credit, for disclosing credit terms, and for resolving errors on certain types of credit accounts

Establishes consumer complaint procedures and defines unfair or deceptive practices in extending credit to consumers

Implements the Community Reinvestment Act and encourages banks to help meet the credit needs of their communities

Governs the availability of funds deposited in checking accounts and the collection and return of checks

Requires depository institutions to provide disclosures to enable consumers to make meaningful comparisons of deposit accounts

Defines financial institutions to be covered by statutory provisions that validate netting contracts, thereby permitting one institution to pay or receive the net, rather than the gross, amount due, even if the other institution is insolvent

Creates exceptions to the statutory prohibition against obtaining or using medical information in connection with determining eligibility for credit

Requires U.S. financial firms that participate in designated payment systems to establish and implement policies and procedures reasonably designed to prevent payments connected to unlawful Internet gambling

Establish the minimum ratios of capital to assets that state member banks and bank holding companies must maintain. The guidelines for state member banks are contained in appendixes A, B, and E of Regulation H. The guidelines for bank holding companies are contained in appendixes A, B, D, and E of Regulation Y.