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D'Oench doctrine . FDIC Statement of Policy . . Receivership and liquidation 5427 Daily balance method . Definition 7430 Damages . RESPA . . Jurisdiction of court 7083 . Tying arrangements . . Injunctive relief 6064.01 . . Recovery 6064.01 Data integrity board . Privacy Act of 1974 . . Matching program 8036.03 Data processing . Bank holding company . . Banking related activities 6110.08 . . Nonbanking activities . . Servicing activity . Emergency . . Interdepository institution agreements 4668 Data processing center . Nonbanking acquisitions . . Notice to primary regulator 4530 Date of entry . Definition 7196 Date of settlement . Insurance coverage . . Date of transaction 4490 De facto rule . Definition 2296.01 De minimis rule . International banking . . Savings deposits 4984.46 . Truth in Lending Act . . Restitution 5050 De novo branch . Definition 1261, 2056 De novo depository institution . Definition 7581 . Savings Association Insurance Fund (SAIF) member . . Conversion transactions 4430 . . Insurance coverage 4434 De novo expansion . Bank holding company . . Nonbanking acquisitions 6108 . Delegated authority . . Federal Reserve banks 6192 Deal in . Definition 1297 Dealer SEE ALSO Broker or dealer in securities . Definition 6992, 8516.10, 8979, 9176.01, 9285, 9364 Dealer consumer credit contract . Definition 6992 Dealer loan . Definition 6992 Debit . Definition 9438.02-A Debit balance . Definition 7658 Debit card . Definition 6605 Debit card transaction SEE ALSO Electronic terminal . Deposit insurance 4984.05 Debit instrument . Definition 6635 Debt . Definition 2238.02, 2238.18, 6617, 6624.06 Debt cancellation fees . Definition 6890 Debt collection . Corporate debt collection . . Administrative offset 2238.03, 2238.20 . . Compensation 2238.06 . . Delegated authority 2238.03 . . Garnishment 2238.13 . . Salary offset 2238.06 . . Tax refund offset 2238.18 . Fair Debt Collection Practices Act . . Abuse 6619, 6624.11 . . Communication 6618, 6624.09 . . Falsification of book, record, report, account, or statement 6619, 6624.12 . . Legal proceedings 6622, 6624.18 . . Multiple debts 6621, 6624.18 . . State laws 6624, 6624.20 . . Unfair or deceptive acts or practices 6620, 6622, 6624.12, 6624.19 . . Validation of debt 6621, 6624.17 . Late payment charge 7412, 7412.13 Debt collection center . Definition 2238.02 Debt collector . Definition 6617, 6624.06 . Fair Debt Collection Practices Act . . Civil liability 6622, 6624.19 . . Legal proceedings 6622, 6624.18 . . Unfair or deceptive acts or practices 6620, 6622, 6624.12, 6624.19 Debt for equity conversion . FRB's Regulation K . . Investments 7622 Debt securities . Capital adequacy . . Deferred tax assets 2248.01 . Definition 2756 . Restructured debt . . Savings associations 4429 Debtor . Definition 2238.18, 6592.05 Debts previously contracted . FRB's Regulation K . . United States banking organization 7622 Decedent account . Insurance coverage . . Grace period 2354 . . Individual retirement account 4534, 4703, 4800, 4984.25 . . Revocable trust account 4984.25 . . Single ownership account 2356 Decisional employee . Definition 2128 Defalcation SEE ALSO Banker blanket bond . Protection of bank 1261 Default . Change in Bank Control Act of 1978 . . Assets 4154 . Claims . . FDIC receiver or conservator 1188.19 . Commonly controlled depository institutions . . Liabilities . Definition 2680, 1072.01, 1190, 2351, 6027, 8740.04, 9330 Default charges SEE Late payment charges Default on a material obligation . Definition 2608, 5415 Defendant . Definition 2166.21 Deferral fees . Federally-related mortgage loans . . Residential mobile home 9531 Deferred compensation plan SEE Pension plan Deferred income accounts . Insurance coverage 4321 Deferred tax assets . Tier 1 capital . . Capital adequacy 2248.01 Deficiency . Definition 7009 Deficient broker . Definition 1360, 4428, 4452 Defined benefit plan . Insurance coverage . . Employee benefit plan 2363 Defined contribution plan . Insurance coverage 4807 . . Employee benefit plan 2362, 4446, 4773 . . Passthrough accounts 4708 Definition . Accept 8482 . Acceptable accounting method 7008 . Accepted access device 7361 . Accepted card or other means of access 6625 . Accepted credit card 6567, 6652.09 . Access device 7361, 7389 . Accessible . Accessible route . Accredited investor 8979 . Accounting firm 2166.40 . Accounts 6605, 7210, 7362, 7374, 7389, 7414, 7418.02, 7418.40, 7424, 7429, 7459, 8397, 8516.08-A, 8516.08-E, 8516.08-J . Acquire 1225, 8727, 8740.07 . Acquiring, assuming, or resulting depository institutions 1098, 8516.08, 8516.08-N . Acquiring institution 2289 . Acquisition 2061, 6110.11 . Act 2409 . Acting in concert 2061, 6110.11 . Active duty alert 6606 . Active duty military consumer 6605 . Activities 1324, 1352, 3118, 3124.06, 3124.11 . Activity permissible for a federal savings association 3124.07 . Activity permissible for a national bank 3117 . Actual direct compensatory damages 1188.14 . Actual thrift investment percentage 8739 . Actuarial method 8544, 8776, 9529 . Adequate evidence 3206 . Adequate notice 6567, 6652.09 . Adequately capitalized 1431, 1517, 2251, 2252, 6027, 6028, 7586.34, 8890.01 . Adequately capitalized insured depository institution . Adjacent cities, towns, or villages 2865 . Adjudication 8023 . Adjudicative officer 8022.02 . Adjudicatory proceedings 2128 . Adjustable rate mortgage loan 6989 . Adjusted attributable deposit amount 2296.01, 2296.03 . Adjusted carrying value 2262.06-B-3 . Adjusted income, 1486 . Adjusted Part 325 total assets 2044 . Administrative . Administrative cost 2864.04 . Administrative law judge 2128, 2166.20, 9792 . Administrative offset 2238.04 . Administrator 8822.34, 8871 . ADTV 9403 . Advance payments 6670.02 . Advanced internal ratings-based (IRB)systems 2262.22, 6120.44 . Advanced systems 2262.22, 6120.44 . Adverage assessment rate 2296.01 . Adversary adjudication 8022.02 . Adverse action 6603, 6611, 7210, 7249 . Adverse comment 2044 . Advertisement 6643, 6685, 6719, 6873, 7429, 7459 . Advisory boards 9284 . Affiliate 2262.22, 3249, 6120.44 . Affiliate of the issuer 9258.17 . Affiliate relationship 7007 . Affiliated business arrangement 7072 . Affiliated business entity 3206 . Affiliated company 9284 . Affiliated corporation 7658 . Affiliated insured bank 1225 . Affiliated person 9176.04, 9284, 9364 . Affiliated purchaser 9404 . Affiliates 1072, 1264, 2390, 2409, 2735, 2782, 2844.02, 2846, 2856, 2865, 3124.06, 3124.07, 3124.12, 6027, 6084, 6588.05, 6670.02, 7512.07, 7512.12, 7581, 7612, 7628.04, 7642, 7760, 7806, 8392, 8550.08-B, 8550.28-A, 8591, 8516.12, 8673.09, 8673.22, 8695, 8727, 8804, 8872, 9238.01, 9404, 9407 . Affordable housing discount 1475 . Affordable housing program 1489 . Age 7210 . Aged record difference 9438.04 . Agency 2238.01, 7787, 8021, 8022, 8022.03, 8032, 8040, 8050, 8055, 8281, 8785, 8822.27 . Agency action 8023 . Agency of the United States 8310.01 . Agency proceedings 8023 . Agent . Agent independent of the issuer 9404 . Aggregate amount of covered transactions 7512.08 . Aggregate analysis 7008 . Aggregate investment 3120 . Aggrieved person 9654, 9792 . Agreement 1538 . Agricultural banks . Agricultural products 6567, 6884 . Agricultural purpose 6567, 6720, 6885 . Allocated transfer risk reserve 6117 . Allowance for loan and lease losses 2241 . Alternative means of dispute resolution 8890.14 . Alternative mortgage transaction 8678 . Amend 2188 . Amended order to pay 2044 . Amendment 2188 . Annual escrow account statement 7009 . Annual percentage rate 6656, 6924 . Annual percentage yield 7429 . Annual rate of simple interest . Annuity contract 8486.02 . ANSI A117.1-1986 . Antitrust laws 1259, 1517, 6028, 6051, 8673.09 . Applicable cutoff time 3088.01 . Applicable electioneering communication 8533 . Applicable external rating 2262.22, 6120.44 . Applicable inferred rating 2262.22, 6120.44 . Applicant 2044, 6612, 7210, 7250, 9715, 9792 . Application 2044, 6992, 7210, 7242, 7271, 7288, 9792 . Application for a deposit facility . Appraisal Foundation 2239, 6110.19 . Appraisal reports 7223, 7264.05 . Appraisal Subcommittee (FFIEC) 6110.19, 8590.31, 8590.51 . Appraisals 2239, 6110.19 . Appraiser 6670.04-K . Appropriate FDIC office 2045 . Appropriate FDIC region 2044 . Appropriate FDIC regional director 2044 . Appropriate federal banking agency 1070, 1269, 2844.03, 3080, 3249, 6027, 8181, 8392, 8550.08-B, 8550.21, 8673.13, 8673.16, 8801, 8871, 8890.01, 8890.02, 9219, 9337, 9369, 9378 . Appropriate federal depository institution 8592 . Appropriate federal financial institutions regulatory agency 1139 . Appropriate federal financial supervisory agency . Appropriate Federal Reserve Bank 7628.05 . Appropriate qualified registered securities depository 9440.03 . Appropriate regional director 2044 . Appropriate regulatory agency 8246, 8275, 9178, 9438 . Appropriate state 1208 . Appropriate supervisor 1509 . Appropriate supervisory office 5305 . Area median income 2782, 2865 . Arrange a lease 6721 . As principal 3117 . Assessment area 2782 . Assessment period 2289 . Asset-backed commerical paper (ABCP) programs 2262.06-C, 2262.22, 6120.44 . Asset-backed commercial paper (ABCP) program sponsor 6120.44 . Asset-backed security 2756 . Asset coverage 9316 . Asset securitization 6120.02-C . Assets classified loss 2242 . Assets under management 9373 . Assignment 9284, 9363 . Assistance 9704 . Assistant Secretary 9654, 9781 . Associate 7007, 7072 . Associate director 2044 . Associated person 8246, 8279 . Associated person of a transfer agent 9184 . Associated person of an investment bank holding company 9238.01 . Association of financial institutions 8516.04, 8516.06 . Association rules 9177 . Assumed 9535 . At one time 8482 . Attorney for the government 8310.01 . Attorney General 9654, 9792 . Audit 5305 . Audit committee 5302, 9186.01 . Audit services 2166.40 . Authority 2166.20 . Authority head 2166.20 . Automated clearinghouse 7415, 7418.39 . Automated loan machines 4984.19 . Automated teller machine operator 7375 . Automated teller machines 6628, 7415, 7418.39 . Auxiliary aids 2946 . Available for withdrawal 7415, 7418.40 . Average 1431, 1458 . Average assessment rate 2296.01 . Average daily balance method 7429 . Average prime offer rate 6670.04-J . Average total consolidated assets 6120.27 . Backtesting 2262.22, 6120.44 . Balance sheet audit performed by an independent public accountant 5305 . Balloon payment 6588.16, 6992 . Banco delta asia 8516.16-D . Bank holding company 1072, 2611, 2262.22, 3080, 6021, 6036, 6061, 6085, 6120.44, 6988.27, 7628.24, 8673.12, 8727, 8785, 9238.01 . Bank-ineligible securities 6110.04 . Bank Insurance Fund (BIF) . Bank Insurance Fund (BIF) member 1130.04 . Bank Insurance Fund (BIF) reserve ratio 1130.04 . Bank service company 8181 . Bank that is a government securities broker or dealer 3223 . Banking day 7415 . Banking institution 2864.04, 7628.25, 8801 . Banking law violation 8310.01 . Banking office 2263 . Banking organization 7614 . Banking subsidiary 6120, 7628.05 . Banks 1065, 2242, 2311, 2647, 2650, 2663, 2735, 2756, 2782, 2905, 3235, 5534, 5563, 6023, 6061, 6064, 6084, 6092, 7409, 7415, 7418.40, 7512.08, 7512.12, 7586.31, 7628.22, 7651, 7760, 8307, 8482, 8486.02, 8516.06-D, 8785, 8981, 9176.02, 9238.01, 9284 . Basic financial services 5271 . Benchwarming 2262.23, 6120.45 . Beneficial interest 3087 . Beneficial owner 8516.11, 9432 . Beneficial ownership 7007, 8398 . Beneficiary 8483 . Beneficiary's bank 8483 . Benefit 2166.20 . Benefit plan 3080 . Benefit-responsive withdrawals or transfers . Bidder 9440 . Billing cycle 6643, 6873, 6883 . Billing errors 6589, 6654, 6920 . Binding written commitment 6120.02 . Blank check company 8986.01 . Block 9404 . Board 2127, 2166.20, 2228, 2296.01, 6566, 6612, 6625, 6643, 6685, 7302, 7409, 7424, 7430, 8181, 8246, 8673.16, 8785 . Board of Directors 1067, 2128, 2238.01, 2967, 3167, 3170, 6120.35 . Bona fide arbitrage 7664, 7765 . Bona fide deferred compensation plan or arrangement 3080 . Bona fide personal emergency 6588.05 . Bonus 7430, 7460 . Book capital 2044 . Borrow 9288 . Borrower 9385 . Branch office 7272, 7288 . Branch or agency of a foreign bank 6028, 8246, 8287, 8294 . Branch relocation 2056 . Branches 1517, 2055, 2263, 2782, 2856, 6028, 7628.05, 7787, 8710, 8785 . Bridge banks 1067, 8550.31 . Broker 7287, 9174, 9285, 9364 . Broker or dealer 8550.24, 8516.08-A . Broker or dealer in securities 8483, 8486.02 . . Person associated with 9176 . Brokered deposits . Brothers 2359 . Building 2663 . Building entrance on an accessible route . Burmese banking institution 8516.16 . Business arrangements 7163 . Business credit 7210, 7251 . Business day 6625, 6643, 6874, 6883, 6992, 7362, 7389, 7415, 7424, 7430, 8486, 9413, 9433 . Business development company 9291, 9365 . Business environment 2262.23, 6120.45 . Business loan 2239, 6110.19 . Business transaction 7193 . Buy 9176.03 . Buyer in the ordinary course of business 8669 . Call equivalent position 9432.02 . Call report 2905 . Camels composite and camels component ratings 2290 . Cancelled certificate facility 9440.04 . Cancelled or cancellation 9440.04 . Capital 2257, 6120.20 . Capital adequacy guidelines 7612 . Capital and surplus 7612, 9385 . Capital distribution 1431 . Capital restoration plan 1432, 1458 . Capital standards 8890.01 . Capital stock and surplus . Capital stock and unimpaired surplus . Card club 8484.01 . Card issuer 6567, 6605, 6643, 6874 . Cardholder 6567, 6643, 6874, 6916.01 . Carrying credit 7760 . Carrying value 2262.23, 6120.45, 7785 . Cash 7416, 7424 . Cash equivalent . Cash item in process of collection 7580 . Cash items 6110.16 . Cash management sweep account 2756 . Cash price 6644, 6875, 6883 . Cashier's checks 7416, 7424 . Casino 8484, 8516.06-C . Catalog and multiple page advertisements 6933 . Categorical exclusion 5185 . Central filing system 8669 . Central government 2262.06-C, 6120.08 . Centralized administrative offset 2238.01 . Certificate detail 9438.02 . Certificate number 9440.04 . Certificate year 9329 . Certification 2238.02, 8516.11 . Certified agency 9754 . Certified checks 7416, 7418.42, 7424 . Certified local government 8822.28 . CFTC 8246 . Chairperson . Change in control 3118 . Change the status 7628.05 . Changed circumstances 6992 . Charge card 6644, 9213 . Charged to profit and loss 7196.01 . Charitable gift annuity 9297 . Charitable lead trust 9296 . Charitable organization 9296 . Charitable remainder trust 9296 . Check clearinghouse association 7424 . Check processing region 7416, 7418.43, 7424 . Checks 7416, 7418.42, 7424 . Chief docket clerk 9792 . Children or grandchildren 2359 . Civil judgment 3206 . Civil rights/compliance reviewing office 9715 . Claims 2166.20, 2262.06-C . Class of voting shares 6087 . Class or series 9203 . Classified information 6609 . Clean-up call 2262.23, 6120.45 . Clear and conspicuous 2390 . Clearing agency 9177 . Clearing agency rules 9178 . Clearing balance 7586.06 . Clearing organization 1188.14-G, 8550.24 . Clearinghouses 1486 . Close of business 9385 . Close of business account balance 3088.01 . Closed-end company 9298 . Closed end credit 6643, 6875 . Closed-end lease 6685, 6720 . Closing 6994 . CMSA 2786.01 . Co-transfer agent 9438.02-A . COD transaction 7658 . Collect 2390 . Collecting a debt 7412 . Collecting bank 7418 . Collection . . Extensions of credit 6592.06 . Collection of information 8050 . Collective investment fund 2756 . Commencement 9413 . Comments 2044 . Commercial lending company 7628.05, 7787, 8785 . Commercial use 8590.14 . Commercial use request 2169, 8590.71 . Commission 6606, 6617, 6624.05, 8246, 8516.08-B, 9285, 9364 . Commission merchant 8670 . Commitments 6120.13 . Commodity 8486.01, 8516.08-E . Commodity contract 1188.14-C . Commodity derivative contract 2262.23, 6120.45 . Common carrier 8483 . Common ownership or common corporate control 2409 . Common period 6678.39 . Common stockholders' equity 2242 . Common use areas . Commonly controlled correspondent 7586.31 . Commonly controlled depository institutions . Communication 6617, 6624.05 . Community 2663, 2865 . Community development 2786.01 . Community development bank . Community development financial institution 8872 . Community development loans 2786.01 . Community development organization . Community development service 2786.01 . Community partner 8872 . Community partnership 8872 . Company 1072, 1432, 2262.23, 2390, 2409, 2608, 2735, 3118, 3124.06, 3124.11, 3128, 3206, 5415, 6022, 6061, 6064, 6085, 6120.45, 7512.06-A, 7512.08, 7628.22, 7642, 7651, 7785, 8726, 8785, 9174, 9176.04, 9238.01, 9285, 9364 . Company covered in 1970 6022 . Compelling need 8028 . Compensation 1432, 3167 . Complainant 9654, 9792 . Complaints 2166.21, 7409, 9792 . Completed application 7301 . Completed application for credit 7210, 9535 . Completion of the transaction 2756 . Complex 1-to-4 family residential property appraisal 2239, 6110.20 . Composite analysis 7008 . Compromise 2238.02 . Comptroller 7628.05, 8785 . Conciliation 9654 . Conciliation agreement 9654.01 . Conducts 8302 . Conduit deposits 2296.03 . Conflict of interest 3206, 5415 . Consolidated 8785 . Consolidated system 9404 . Construction loan 3183 . Consumer 2391, 2735, 6566, 6602, 6624.06, 6625, 6644, 6875, 6883, 7162, 7181, 7362, 7411, 7412.04, 7418, 7430, 7460, 8673.23, 8776, 9385 . Consumer account 7416, 7418.43, 7424 . Consumer asset account 7389 . Consumer complaints 7409 . Consumer credit 6617, 6644, 6875, 6883, 7210, 9213 . Consumer credit contract 7163 . Consumer information 3170 . Consumer leases 6592, 6686, 6720 . Consumer loans 2786.01 . Consumer paper 9386 . Consumer report 3170, 6602, 7181 . Consumer reporting agency 2391, 6602, 7186 . Consumer reporting agency that compiles and maintains files on consumers on a nationwide basis 6604 . Consummation 6644, 6875, 6883 . Content of records 3250 . Contiguous or adjacent cities, towns, or villages 2865 . Contract 3206, 7162 . Contract of sale 8486.01, 8516.08-E . Contract which does not cut off consumers' claims and defenses 7163 . Contractors 3206 . Contractual branch 7418, 7418.49 . Contractual commitment to advance funds 9386 . Contractually liable 7210 . Contribution or expenditure 8531 . Control 1072, 1129, 2061, 2262.23, 2391, 2608, 2611, 2735, 2844.03, 2846, 3118, 3124.06, 3124.11, 3128, 3206, 6021, 6084, 6120.23, 7007, 7512.06-A, 7517, 7628.05, 7785, 8516.12, 8727, 8785, 9238.01, 9285, 9364, 9386 . Control book 9438.02 . Control of a company or bank 6064, 7642, 7651 . Control over another company 7512.08 . Controlled access 9440.04 . Controlled early amortization provision 6120.45 . Controlled entity 2650 . Controlled substance . Controlling interest 7517 . Controlling person 2242 . Covered product 8486.02 . Controlling shareholder 6086 . Covered institution 3088.02 . Covered transaction 7785 . Conversion date 7009 . Conversion transactions 1095 . Convert its charter 3119, 3128 . Convicted 9285, 9364 . Conviction 3206 . Cooperative agreement 1177, 9754 . Cooperative agreement officer 9754 . Copy of an original check 7418.01 . Core capital 2244, 2257, 8720 . Core capital elements 6113 . Corporate credit unions 8251 . Corporate debt securities not of investment grade 1350, 3124.07 . Corporate reorganization 2058 . Corporation 2166.21, 2188, 8673.12, 8695 . Correspondent 7586.31 . Correspondent account 7652, 8392, 8398, 8516.11, 8516.16, 8516.16-A, 8516.16-D . Correspondent banks 7652 . Correspondent relationship 8516.11 . Cosigner 7411, 7412.05 . Council 8822.28 . Court of the United States 8310.02 . Covered agency 1191, 3128 . Covered agreement 2835 . Covered bond 5197 . Covered bond obligation 5197 . Covered bond obligee 5197 . Covered class action 9258.17 . Covered clearing obligation 8550.24 . Covered company 1266 . Covered contractual payment entitlement 8550.24 . Covered contractual payment obligation 8550.25 . Covered educational institution 6588.08-A . Covered financial institution 6588.14, 8516.16, 8516.16-A, 8516.16-D . Covered goods 8516.10 . Covered interstate branch 3235 . Covered multifamily dwelling . Covered option transaction 7658 . Covered person 9258.06 . Covered positions 2262.14, 6120.29 . Covered security 9258.18 . Covered transaction 7512.08, 7512.12, 7785 . CRA affiliate 2844.03 . CRA communication 2837 . CRA protest 2045 . CRA public file 2844.03 . Credit 2410, 6566, 6644, 6875, 6883, 7210, 7252, 7362, 9438.02 . Credit balance 7658 . Credit card 6567, 6605, 6644, 6876, 7210, 8516.09 . Credit card loans 2786.01 . Credit derivative 2262.01, 2262.23, 6120.02-C, 6120.45 . Credit-enhancing interest-only strip(CEIO) 2242, 2262.01, 2262.23, 6120.45, 6119 . Credit-enhancing representations and warranties 2262.01, 2262.23, 6120.02-C, 6120.23, 6120.45 . Credit issuer . Credit or insurance transaction that is not initiated by the consumer 6604 . Credit outstanding 1130, 6110.15 . Credit rating agency 9186.01, 9292, 9366 . Credit risk 5440 . Credit risk mitigant 2262.24, 6120.46 . Credit-risk-weighted assets 2262.24, 6120.46 . Credit sale 6566, 6644, 6877 . Credit score 6610.15 . Credit scoring system 7211 . Credit transactions 7211, 7785 . Credit union 8307 . Creditor 2410, 6566, 6592.05, 6605, 6612, 6617, 6624.06, 6644, 6877, 6883, 6989, 6992, 7162, 7211, 7252, 7658, 8776, 9529 . Creditor agency 2238.02 . Creditworthiness . . Pertinent element 7212 . Criminally derived property 8306 . Critically undercapitalized 1431, 2252 . Cross-affiliate netting arrangement 7785 . Crossing of buy and sell orders 2756 . CUISP 9440.04 . Cultural park 8822.27 . Currency 8407, 8484, 8498.02 . Currency transactions 8486 . Current examination 5049 . Current exposure 2262.24, 6120.46 . Current market value 7760, 9386 . Current semiannual period 2293 . Cushion 7009 . Customer 2167, 2391, 2756, 3170, 3223, 6120.35, 6610.37, 7418, 7761, 8262, 8275, 8516.06-D, 8516.08-B, 8516.08-E, 8516.08-J, 8673.27, 9440.03 . Customer financial records 2168 . Customer information 3170, 6120.35 . Customer information of a financial institution 8673.27 . Customer information systems 3170, 6120.35 . Customer relationship 2391, 8673.23 . Cycle 6644, 6873 . Daily balance method 7430 . Date of entry 7196 . De facto rule 2296.01 . De novo branch 1261, 2056 . De novo depository institution 7581 . Deal in 1297 . Dealer 6992, 8516.10, 8979, 9176.01, 9285, 9364 . Dealer consumer credit contract 6992 . Dealer loan 6992 . Debit 9438.02-A . Debit balance 7658 . Debit card 6605 . Debit instrument 6635 . Debt 2238.02, 2238.18, 6617, 6624.06 . Debt cancellation fees 6890 . Debt collection center 2238.02 . Debt collector 6617, 6624.06 . Debt Gurantee program 3240 . Debt securities 2756 . Debtor 2238.18, 6592 . Decisional employee 2128 . Default 1072.01, 1190, 2262.24, 6027, 9330 . Default on a material obligation 2608, 5415 . Defendant 2166.21 . Deficiency 7009 . Deficient broker 1360, 4428, 4452 . Delivery 7009 . Delivery against payment 7658 . Demand 8022.01 . Demand deposits 2292, 2311, 7574, 7656.31 . Department 8247, 8281, 9733, 9781 . Dependence 2262.24, 6120.46 . Deposit account records 2351 . Deposit accounts 8484 . Deposit broker 1360, 4428, 4452, 4654, 4656, 4659, 4660, 4663, 4664, 4665, 4676, 4687, 4690, 4697, 4701, 4778, 4781, 4984.93, 7430, 7461 . Deposit insurance fund 1073 . Deposit liabilities 4825 . Deposit payable only at an office located outside the United States 7581 . Deposit shipment control list 9432.17 . Depositary 9440 . Depositary banks 7416 . Depositor 2363 . Depository 2856 . Depository check 7418.42, 7424 . Depository-eligible securities issue 9433 . Depository holding company 2866, 8591 . Depository institution affiliate 2866 . Depository institution holding company 1072, 3080, 8287, 8294, 8673.13, 8872 . Depository institutions 1066, 1509, 2167, 2262.24, 2611, 2866, 3128, 6027, 6088, 6110.28-L, 6110.28-U, 6120.46, 7301, 7424, 7430, 7461, 7510.01, 7580, 7786, 8181, 8249, 8385, 8550.25, 8591, 8673.10, 8673.16 . Depository organization 2866 . Deposits 1067, 2289, 2292, 2351, 2856, 5560, 6030.02, 7572, 7586.14, 7656.31 . Deposits acquired by the institution 2296.02 . Deputy director 2045 . Deputy regional director 2045 . Derivative contract 2262.24, 6120.46 . Derivative securities 9432.02 . Derivative transaction 7786 . Designated examining authority 8246 . Designated loan 2663 . Designated reserve ratio 1114 . Designated system of records 2188 . Designee 2128 . Destruction 9440.04 . Development services 8872 . DIF 2296.04-A . Direct costs 2169, 8590.13, 8590.71 . Direct credit substitute 2262.01, 6120.02-C . Direct ownership 7008 . Directly or indirectly 7612 . Director 1139, 2045, 2054, 2065, 2238.02, 3119, 3167, 6110.23, 7498, 8695, 9176.02, 9285, 9364 . Director of a company or bank 7642 . Director of the Division having primary authority 2168 . Disaster areas . Disbursement date 7009 . Disclose 2167, 8590.71 . Disclosure 2167, 8590.71 . Discount 6567 . Discount window loans 6110.16 . Discretionary transaction 9432.10 . Discriminate against an applicant 7211 . Discriminatory housing practice 9654.01, 9733, 9792 . Discriminatory practices 6987, 9704 . Disposable earnings 6595 . Disposable pay 2238.02 . Dissenting limited partner 9188, 9227, 9228 . District banks 1065 . Diversified company 9298 . Diversified savings and loan holding company 8726 . Division of Administration 2238.02 . Division of Finance 2238.02 . Document 2166.29, 8673.27 . Domestic 2846, 8484 . Domestic branches 1070, 6988.28, 7628.05 . Domestic concerns 9265 . Domestic financial agency 8383 . Domestic financial institutions 8383, 8546.01 . Domestic retail deposit activity 2856 . Domestic violence 1529, 2735 . Doubtful . Downpayment 6644, 6879 . Dual-filed complaint 9754 . Due-on-sale clause 9535 . Duplication 2169, 8590.13, 8590.71 . Dwelling 2647, 6567, 6645, 6879, 6883, 7222, 7223, 7272, 7288, 9655, 9733 . Dwelling unit . Early amortization 2262.24, 6120.47 . Early loan 8890.02 . Earnings 6595, 7411 . Economic downturn conditions 2262.25, 6120.47 . Economically depressed region 1232 . Educational institution 2169, 8590.14, 8590.71 . Effective date of transfer 7078 . Effective financing statement 8670 . Effective maturity (M) 2262.25, 6120.47 . Effective notional amount 2262.25, 6120.47 . Elderly 7211 . Electronic and information technology 2946 . Electronic benefit transfer program 6627 . Electronic communication 6670.03, 6691, 7225, 7375, 7436 . Electronic fund transfers 6605, 6625, 6628, 7362, 7363, 7390 . Electronic media 2735 . Electronic payment 7416, 7418.44 . Electronic signs 5449 . Electronic storage media 9438 . Electronic terminal 6626, 7362, 7390 . Eligibility or continued eligibility for credit 2410 . Eligible ABCP liquidity facility 6120.02-D . Eligible affiliated mutual fund securities 7786, 7796 . Eligible bank 9386 . Eligible clean-up call 2262.25, 6120.47 . Eligible commercial real property 1193 . Eligible condominium property 1486 . Eligible country 7612 . Eligible credit derivative 2262.25, 6120.47 . Eligible credit reserves 2262.26, 6120.48 . Eligible depositor 2405 . Eligible depository institution 2405, 3124.02 . Eligible double default guarantor 2262.26, 6120.48 . Eligible entity 3239, 8822.33, 8822.34 . Eligible gurantee 2262.26, 6120.49 . Eligible Guarantor Institution 9440 . Eligible institution 7586.06 . Eligible insured branch 2068.03 . Eligible insured depository institution 2296.01 . Eligible insured state nonmember bank 2846 . Eligible investor 7628.22 . Eligible margin loan 2262.27, 6120.49 . Eligible mortgages 5197 . Eligible multifamily housing property 1486 . Eligible operational risk offsets 2262.27, 6120.49 . Eligible portfolio company 9290 . Eligible purchased wholesale exposure 2262.27, 6120.49 . Eligible residential property 1486 . Eligible securitization guarantor 2262.27, 6120.50 . Eligible servicer cash advance facility 2262.28, 6120.50 . Eligible single family property 1486 . Eligible subsidiary 3124.02 . Emergency 9205 . Empirically derived and other credit scoring systems 7211, 7252 . Employee benefit plan 2363, 4984.32 . Employee of the Corporation 1062.01 . Employee organization 2363 . Employee welfare benefit plan 4984.33 . Employees 1361, 2608, 4686 . Employees' securities company 9285 . Employment purposes 6603, 7188 . Enforcement actions 3251 . Enforcement counsel 2128 . Engaged in activities 7613 . Engaged in banking 7613 . Engaged in business 7613 . Engagement letter 5305 . Engages directly in the business of banking outside of the United States 7628.05 . Enrolled loan 8890.03 . Enterprise 6610.17 . Entire community . Entrance . Entrance fee deposit base . Environmental assessment 5185 . Equal regulation 9180 . Equity 7613, 7659 . Equity capital 7786 . Equity derivative contract 2262.28, 6120.50 . Equity exposure 2262.28, 6120.50 . Equity interest 2846 . Equity interest in real estate 3128 . Equity investment permissible for a national bank 3132 . Equity investments 2262.06-B-4, 3119, 3131, 6120.02-A . Equity security 2846, 3119, 3124.06, 3131, 9176.02 . Equity security of such issuer 9432.02 . Equityholder 3088 . Errors 7369, 7404 . Escrow 6994 . Escrow account 7008, 7009 . Escrow account analysis 7009 . Escrow account computation year 7009 . Escrow account item 7009 . Escrow agreement 7659 . Establish 7628.05 . Established customer 8484 . Established depository institution 2290 . Estimated credit losses 5453 . Eurocurrency liabilities 7579 . Ex parte communication 2131, 8024 . Examination 2167 . Examination report 2167 . Examining authority 7659, 7761, 8246, 9238.02 . Excess balance 7586.06 . Excess benefit plan 9432.10 . Excess spread 2262.28, 6120.50 . Exchange 9173, 9285, 9364 . Exchange agent 9440 . Exchange offer 9401 . Exchange rate derivative contract 2262.28, 6120.50 . Exchange rules 9178 . Excluded communications 6604 . Excluded mortgage exposure 2262.28, 6120.50 . Exclusive processor 9176.04 . Execution date 8484 . Executive officer 2844.03, 3119, 3167, 4857, 6062, 6110.28-U, 7512.06-A, 7643, 7651 . Executive or administrative personnel 8533 . Executive Secretary 2128 . Exempt person 8486.02-G . Exempt transfer agent 9435 . Exempted borrower 7659, 7761 . Exempted securities 9176.02 . Exempted securities mutual fund 7659 . Existing customer . Expected credit loss (ECL) 2262.28, 6120.51 . Expected exposure(EE) 2262.29, 6120.51 . Expected operational loss(EOL) 2262.29, 6120.51 . Expected positive exposure (EPE) 2262.29, 6120.51 . Expert witnesses 9781 . Export trade services 6036 . Export trading companies 6036 . Exposure 7586.31 . Exposure at default (EAD) 2262.29, 6120.51 . Exposure category 2262.30, 6120.52 . Extend credit 6592.05, 7211 . Extension of credit under an open end credit plan 9213 . Extensions of credit 3119, 6036, 6062, 6110.07, 6592.06, 7211, 7512.06-A, 7644, 7651, 7786 . . Collection 2639, 6592 . Exterior . External auditing program 5302 . External operational loss event data 2262.30, 6120.52 . External rating 2262.30, 6120.52 . Externally rated 2262.02, 6120.02-D . Extortionate extension of credit 6592.06 . Extortionate means 6592.06 . Extraordinary growth 2166.17 . Face amount 2242, 2262.02, 6120.02-D . Face-amount certificate 9286 . Face-amount certificate company 9297 . Facilities 2946, 9174 . Failed depository institutions 8550.31 . Failed financial institutions 8550.25 . Failed institutions 8550.25 . Failed member 8550.25 . Fair Housing Act matters 9792 . Fair housing enforcement organization 9781 . Fair housing poster 9733 . Familial status 2647 . Family 9733 . Family member 5415 . Farm product 8670 . FDIC 3193, 3206 . FDIC cutoff point 3088.01 . FDIC guaranteed debt 3240 . Federal agency 7498, 7628.05, 8785 . Federal agency lender . Federal aid to navigation 8822.35 . Federal home loan bank 9276 . Federal home loan bank and member 9276 . Federal home loan mortgage corporation 9276 . Federal national mortgage association 9276 . Federal savings association 9535 . Federal bank regulators 2708 . Federal banking agencies 1073, 1269, 1402, 2608, 2844.03, 2864.04, 6605, 7628.25, 8550.03, 8550.21, 8673.12, 8673.22, 8673.30, 8695, 8799, 8890.01, 9228.10, 9236 . Federal benefit program 8032.01 . Federal branches 1071, 2068.04, 2857, 7628.05, 8785 . Federal Claims Collection Standards 2238.02 . Federal credit union 8307, 9535 . Federal deposit insurance fund 2608 . Federal depository institutions 1066 . Federal entity for lending regulation . Federal financial assistance 9549, 9792 . Federal financial institutions regulatory agencies . Federal functional regulator 2392, 8390, 8394, 8398, 8516.06, 8516.06-C, 8516.08-B, 8516.08-E, 8516.08-J, 8673.22 . Federal personnel 8032.01 . Federal savings associations 1065, 8695 . Federal supervisory agency 8073 . Federally-related loans 9527 . Federally related mortgage loans 6992, 7071 . Federally-related transactions 2239, 5465, 6110.20 . Fedwire 7418 . Fees and other expenses 8022.01 . FHAP 9754 . FHEO 9754 . FHIP 9781 . Fiduciary capacity 8247, 8276, 8279, 9286 . Field review 8590.71 . File structure for qualified financial contract (QFC) records 3250 . Files 6603, 7187, 9438.02-A . Filing 2045 . Final determination 1177 . Final order 2128 . Finance charges 6646, 6886 . Finance company 6110.07 . Finance subsidiary 6120.01 . Financial agency 8381 . Financial collateral 2262.30, 6120.52 . Financial asset 2262.02, 3087, 6120.02-D . Financial assistance . Financial assistance for acquisition or construction purposes . Financial contracts 9294 . Financial holding companies 6028.01, 6110.26, 6110.28-M, 6110.28-O, 6110.28-U, 8673.16 . Financial institutions 1188.14-G, 2392, 5479, 6605, 6626, 7091, 7272, 7289, 7362, 8247, 8250, 8251, 8281, 8303, 8382, 8383, 8484, 8516.04, 8516.06, 8516.06-C, 8516.08-B, 8516.08-E, 8516.08-J, 8516.11, 8550.25, 8673.22, 8673.27, 8890.03, 9183 . Financial instrument 9386 . Financial organizations 6110.06-A . Financial product or service 2392 . Financial record . Financial responsibility rules 9182 . Financial standby letter of credit 2262.02, 6120.02-D . Financial statement 5302 . Financial subsidiaries 1523, 3124.12, 7512.10, 7786 . Financial transaction 8302 . Financing a sale 7162 . FinCEN 2965, 8486 . Finding of no significant impact 5185 . Firm offer of credit or insurance 6603, 6610.43 . First occupancy . Fiscal year 2844.03 . Fixed rate account 7430 . For any semiannual period 2296.03 . Foreign 7613 . Foreign banking organization 2847, 6086, 7628.05 . Foreign banks and banking 1071, 1130, 1264, 2068.04, 2262.06-D, 2611, 2846, 2857, 6110.15, 6115, 7581, 7586.31, 7613, 7628.05, 7643, 7656.32, 7787, 8484.01, 8516.09, 8516.11, 8516.16, 8785, 8792, 9238.01 . Foreign branches 1070, 2068.04, 2847, 7613 . Foreign business 2857 . Foreign country 2847, 2857, 7613, 8785 . Foreign financial agency 8383, 8484 . Foreign financial institutions 8383, 8516.12 . Foreign financial regulatory authority 9184, 9291, 9366 . Foreign margin stock 7659 . Foreign official 9261, 9265, 9268 . Foreign organization 2068.04, 2847 . Foreign person 7613, 7659, 8546.01 . Foreign person controlled by a United States person 7659, 7841, 8386, 9192 . Foreign securities 7659 . Foreign securities authority 9184, 9291, 9365 . Foreign shell bank 8516.11 . Form of availability and maintenance of records 3250 . Form TA-1 2706 . Forward collection 7416, 7418.44 . Forward contract 1188.14-D . Forward-looking statement 8994.08, 9258.08 . Franchise 7008 . Franchisee 7008 . Franchisor 7008 . Fraud alert 6605 . Fraud offense 5415 . FRB 2857 . FRB member banks 7581, 7643, 8287, 8294 . Fulfillment 1538 . Functionally regulated affiliates 1519 . Functionally related subsidiaries 1519, 6046.09, 6049 . Funds transfer 8484.01 . Futures commission merchant 8486.01, 8550.25, 8516.08-E . GAAP (Generally accepted accounting princpals 2262.30, 6120.52, 7787 . Gain-on-sale 2262.30, 6120.52 . Garnishment 2238.02, 6595 . General Counsel 2045 . General market risk 2262.14 . General purpose credit card 7787, 7792 . Geographic area 8497 . Geography 2786.01 . Gift 6588.14 . Global certificate securities issue 9440.04 . Going private transaction 8994.08, 9258.08 . Golden parachute payment 1265, 3081 . Good faith 7211, 7418, 7418.49, 7761 . Good faith estimate 6993 . Good faith margin 7659 . Government 2166.21 . Government authority 7091 . Government credit 7213, 7253 . Government securities 2757, 3223, 7586.33, 8247, 8276, 9182, 9286 . Government securities broker or dealer 8247, 9183 . . Person associated with 9183 . Government-sponsored enterprise 1271 . Governmental agencies 7196.07 . Grace period 7430 . Grand jury information 8310.01 . Gross annual gaming revenue 8484 . Gross capitalized cost 6686 . Ground floor . Group annuity contract 8486.02 . Group life insurance policy 8486.02 . Group of investment companies 9305 . Group of persons 1130, 6110.15 . Growth 2296.04 . Growth of deposits 2296.04 . Guarantees 2262.30, 6120.52, 9440 . Handicap 2647 . Hearing 9792 . Hearing official 2238.02 . Held of record 9203 . High volatility commercial real estate(HVCRE) 2262.30, 6120.52 . Higher margin level 9186.01 . Highly indebted country 8802.01 . Highly leveraged transaction 2242 . Historic conservation district 8822.28 . Historic light station 8822.34 . Historic preservation review commission 8822.28 . Historic property 8822.27 . Holding company 7091 . Home 9535 . Home country 7628.06 . Home country supervisor 7628.06 . Home-equity line of credit 7273 . Home equity loans 2786.01 . Home improvement loan 7273, 7289 . Home mortgage loans 2786.01 . Home purchase loan 7273, 7290 . Home state 1261, 1325, 1517, 2056, 2857, 3235, 6028, 8791 . Host state, home state, and out-of-state bank 1177 . Host state loan-to-deposit ratio 3236 . Host transfer services 6628 . Household goods 7411, 7412.07 . Housing creditor 8678 . Housing for older people . HUD-1 Uniform Settlement Statement 6993 . HUD-1A Settlement Statement 6993 . Hybrid capital instruments 6117 . Identified losses 2242 . Identifying activity level 9213 . Identity theft 6605 . Identity theft report 6605 . Illegal acts 9194.03 . Immediate family 2865, 6110.11, 7643, 7651, 9432.02 . Immediate family member of a natural person 2857 . Immediate parent 7628.06 . Impound account 7009 . Improper professional conduct 9186.06 . Improved property loan 3183 . Improved real estate . In any manner 8485 . In contemplation 7787 . In danger of default 1072.01, 6027 . In-state depository institutions 1225 . In-state holding company 1225 . In the ordinary course of business 7761 . In the process of collection 5082 . Inadvertent errors 7212 . Incidental credit 7213, 7253 . Includes, including 1071 . Income 1486 . Income level 2786.01 . Increased interest rate 6670.02 . Indebtedness 7652 . Indemnification payment 1266 . Indemnifying bank 7418 . Independent activity 2351, 2359 . Independent appellate process 8890.14 . Independent public accountant 5306 . Indian Gaming Regulatory Act 8486 . Indian reservation 8872 . Indian tribe 8822.27, 8873 . Indictment 3207 . Indirect pecuniary interest 9432.01 . Indirectly 2847 . Indirectly secured 7761 . Individual 2166.21, 2188, 8032, 8590.51 . Individual with a disability 2946 . Industrial banks 6110.16 . Ineligible condominium property 1488 . Ineligible multifamily housing property 1488 . Ineligible residential property 1488 . Ineligible single family housing property 1488 . Inferred rating 2262.31, 6120.53 . Information data base service 9440.03 . Initial decision 2166.21 . Initial deposit 2857 . Initial escrow account statement 7009 . Insider 2045, 7643 . Issuer 9440.06 . Installment payment 7009 . Institution 2128, 3119, 5368.01, 5479, 7430 . Institution-affiliated party 1072, 1139, 2045, 2128, 2965, 3082 . Institutional investment manager 9211 . Institution of higher education 6588.14-A . Insurance agent 8486.02 . Insurance broker 8486.02 . Insurance company 6028.01, 8979, 9176.04, 9286, 9364 . Insurance company or issuer 8486.02 . Insured banks 1067, 2857, 8287, 8294, 8516.11, 9238.01 . Insured branches 1071, 2068.04, 2351, 2857 . Insured community development financial institution 8873 . Insured credit union 8873, 9184 . Insured deposit transfer . Insured depository institutions 1066, 1130.03, 1269, 1272, 2243, 2351, 2608, 2844.03, 3082, 3124.11, 3193, 3239, 3249, 5415, 6027, 6086, 8181, 8550.03, 8550.04, 8550.08-B, 8550.21, 8673.12, 8673.13, 8890.01, 9184, 9213, 9337 . Insured depository institution's 1996 assessment base ratio 2296.04-A . Insured deposits 1069, 2351 . Insured institutions 6026 . Insured nonmember banks 2263, 2706 . Insured state banks 3119, 3124.11, 3137 . Insured state branches 2782 . Insured state nonmember banks 2847, 3124.06, 3124.11, 8550.28-A . Insured state savings associations 3124.07 . Insurer 5416, 8673.10 . Intangible assets 2243 . Interactive computer service 6586 . Interest 2312, 5550, 7430, 7461, 7656.32, 8545 . Interest compensation 7418, 7418.49 . Interest in a promissory note or a lease of personal property 9184 . Interest rate derivative 2262.31, 6120.53 . Interest rates 7430 . Interested person 9286 . Interim merger transaction 2058 . Interior . Intermediary bank 8484.01 . Intermediary financial institution 8484.01 . Internal auditing 5306 . Internal compliance and audit record 9336 . Internal compliance policies and procedures 9335 . Internal operational loss event data 2262.31, 6120.53 . International assets 2864.04, 7628.25 . International banking facility 7586.03 . International banking facility deposit 3088.02 . International banking facility extension of credit 7586.04 . International banking facility deposit 3088.02 . International banking facility time deposit 2353, 7586.03 . International loan 2864.04, 7628.14 . International 7628.25 . Internationally active banking organization 6113 . Internet 6586 . Interstate bank 1502 . Interstate branch . Interstate commerce 8978, 9176.03, 9266, 9286, 9364 . Interstate merger transactions 1517 . Intervenor 9792 . Intraday extension of credit 7787 . Introducing broker 8516.08-E . Introducing broker-commodities 8486.01 . Introductory period 6586 . Invest 8181 . Investigating official 2166.21 . Investigative consumer report 6602, 7185 . Investing bank 2262.31 . Investing bank holding company 6120.53 . Investment adviser 9176.04, 9288, 9300.03, 9338.01, 9364 . . Person associated with 9365 . Investment advisory contract 9374.01 . Investment area 8873 . Investment bank holding companies 9238.01 . Investment banker 9288 . Investment company 8994.08, 9176.04, 9258.08, 9293, 9364 . Investment discretion 2757, 9180 . Investment grade 1350, 2847, 7613 . Investment fund 2262.31, 6120.53 . Investment securities 8484.01, 9293 . Investment supervisory services 9364 . Investments 3124.03, 7613 . Investor 7290, 7613 . Investors' interest EAD 2262.31, 6120.53 . Is regarded as having an impairment . Issuer 8978, 9176.02, 9194.03, 9213, 9288, 9289, 9413, 9440.06 . Issuer capitalization 9438.04 . Issuer tender offer 9413 . Issues in controversy 8890.14 . Issuing institution 8516.08, 8516.08-N . Item 9432.16 . Jewel 8516.10-A . Joint agreement 8673.23 . Joint venture 2849, 7613 . Judgmental system of evaluating applicants 7212 . Key employee 3207 . Key factors 6610.15 . Knowingly commits a violation of the securities laws 9258.05 . Knows, knowing, or knowledge 2166.21, 8302, 8670, 9261, 9265, 9268 . Labor organization 8531 . Land development loan 3184 . Large customers 3162.07 . Large institution 2290 . Large trader 9212 . Large United States business 2857 . Law enforcement inquiry 7091 . Lead insured depository institutions 6028, 6086 . Lease 5416 . Lease amendment 5416 . Legal services 3089 . Lend 9288 . Lender 6993, 7761, 9535 . Lending limit 7643 . Lessee 6592, 6686 . Lessor 5416, 6592, 6686 . Lessor's affiliate 5416 . Leverage ratio 2243, 7586.34 . Liability or legal expense 1266, 3082 . License 8023 . Licensing 8023 . Licensing authority 7628.06 . Lifeline accounts 8550.04 . Limited branch 7628.06 . Limited liability companies 8181, 8708 . Limited partnership rollup transaction 9216.02 . Limited purpose banks 2786.02 . Liquidity facility 2262.02, 6120.03 . Listing service 4984.63 . Loan agreements 7628.25 . Loan commitment 4438 . Loan location 2786.02 . Loan origination 3184 . Loan originator 6993 . Loan production office 2786.02 . Loan Service . Loan-to-value ratio 3184 . Loans 8545, 8704, 8714, 9527 . Loans or extensions of credit 2847, 3183, 7613, 7628.02, 9386 . Loans originated by 9536 . Loans secured by a lien on real property 9536 . Loans secured by first liens on real estate 9528 . Loans secured by first liens on residential manufactured homes 9528, 9536 . Loans secured by first liens on stock in a residential cooperative housing corporation 9528, 9536 . Local checks 7416, 7418.44 . Local government 8822.27 . Local originating depository institution 7424 . Local paying banks 7416, 7418.45 . Local rules 2128 . Location information 6618, 6624.08 . Long-term debt issuer rating 2290 . Losses 1475 . Lost given default (LGD) 2262.31, 6120.53 . Lost securityholders, 9440.03 . Lottery 1297, 8698 . Lottery ticket 1297, 8698.01 . Low-income 8873 . Low-income person . Low- or moderate-income area 1502, 2866 . Low-quality asset 3124.04, 7512.08, 7787 . Lower income 1322, 2786.01, 3120, 3133 . Lower-income families 1487 . Lump sum method 5049 . Lump sum-payment reduction method 5049 . Made available 9433 . Magnetic ink character recognition line and MICR line 7418 . Main index 2262.32, 6120.54 . Maintain 2188, 8032, 8590.51, 9296 . Major federal action 5185 . Major life activities . Majority-owned subsidiary 2857, 3119, 9288 . Makes 2166.21 . Making available significant managerial assistance 9291 . Management company 9298 . Management fees 2243 . Management official 2866, 3207, 4056, 6085, 8592 . Managerial employee 6993 . Mandate 8554 . Mandatory convertible debt securities 6117 . Manufactured home 6993, 7273, 7290 . Manufactured home loan 9213 . Margin 9186.01 . Margin call 7659 . Margin deficiency 7659 . Margin equity security, 7659 . Margin excess 7659 . Margin level 9186.01 . Margin security 7659 . Margin stock 7762 . Marital status 7212 . Market intermediary 9294 . Market maker 9180 . Market risk 2262.14, 6120.29 . Market value 2240, 6110.20 . Market-wide trading suspension 9404 . Master securityholder file 9438.02 . Master servicer 7021 . Matching program 8032 . Material disclosures 6567, 6658 . Material fact 3207 . Material supervisory determinations 8890.14 . Maximum amount of indebtedness 7652 . Maximum loan value 7762 . Mean trading price 9258.03 . Means or instrumentality of interstate commerce 9288, 9364 . Medical information 2410, 6603, 7188 . Meeting 2227, 8040 . Member 2227, 8040 . Member bank 7512.06-A, 7644, 7787 . Member of immediate family 9287 . Member of national securities exchange 9174 . Member of registered securities association 9174 . . Person associated with 9176 . Merger 2296.04-A . Merger transactions 1517, 2058, 7416 . Meritorius claims 9781 . Metropolitan area 2786.02, 6988.29, 7273 . Metropolitan division 2786.02 . Metropolitan statistical area 7273 . Micrographic media 9438 . Middle-income 2786.01 . Minority 1226, 3089, 5329, 6988.29 . Minority banks 1226 . Minority depository institutions 5329, 6988.29 . Minority interests in consolidated subsidiaries 2243 . Missing 9440.06 . Mobile home 2663 . Moderate-income 2786.01 . Moderate-income person 2786.01 . Modification . Monetary default 5197 . Monetary instruments 8303, 8382, 8484.02 . Monetary transactions 8306 . Money laundering 8516.04 . Money market mutual funds 7660 . Money services business 8486, 8516.07 . Money transmitting business 8406 . Money transmitting service 8406 . Monitoring office 9715 . Mortgage 6568 . Mortgage broker 6670.04-K, 6993 . Mortgage loan 7301 . Mortgage related security 9182 . Mortgage servicer cash advance 2262.03, 6120.03 . Mortgage servicing assets 2243 . Mortgage servicing loan 7021 . Mortgaged property 6993 . Motor vehicle loans 2786.01 . MSA 2786.02, 7272 . Multilateral clearing organization 8550.28 . Multilateral development bank 2262.32, 6120.54 . Multiple rate account . Multiple savings and loan holding company 8726 . Municipal securities 2757, 9178, 9185, 7787 . Municipal securities broker 9178 . Municipal securities dealer 9178 . . Person associated with 9178 . Municipal securities investment portfolio 9178 . Mutual association 8740.04 . Mutual funds 8516.08, 8516.08-J, 8516.16-D . Mutual holding company 8740.04 . Mutual savings banks 1067 . Named transfer agent 9438.02-A, 9432.16 . Narrow-based security index 8979, 9185, 9292, 9366 . National banking association 8287 . National banks 8287, 8294, 8695 . National member banks 1066 . National nonmember banks 1066 . National recognized statistical rating organization 2262.03, 2262.32, 6120.03, 6120.54 . National Register 8822.27 . National securities exchange 3119, 3134, 9288, 9364 . National security investigation 6610 . Nationally recognized statistical rating organization (NRS0) 2262.03, 2262.32, 6120.03, 6120.54 . Nationwide specialty consumer reporting agency 6606 . Native Hawaiian 8822.28 . Native Hawaiian organization 8822.28 . Natural persons 2351, 7579 . Necessary to effect, administer, or enforce . Negative amortization 6670.02 . Negative factor or value 7212 . Negative information 6610.37 . Net entitlement 8550.25 . Net obligation 8550.25 . Net realizable market value 1487 . Net transaction account 7580 . Netting contract 8550.25 . Netting system 2262.32, 6120.54 . Nth-to-default credit derivative 2262.32, 6120.54 . New accounts 7418.03, 7418.55 . New banks 1067 . New credit plan 6605 . New customer 8263 . New depository institution 2290 . Newly insured institutions 2293 . Newly senior unsecured debt 3240 . NFIP 2664 . Nonaffiliate 7787 . Nonaffiliated third party 2392, 8673.22 . Nonbank banks 6086 . Nonbank lender 7762 . Noncash item 6110.16, 7416, 7418.45, 7424 . Non-commercial scientific institution 2169, 8590.14, 8590.72 . Non-contingent interest 2363 . Non-contingent trust 2351 . Non-covered institution . Noncumulative perpetual preferred stock 2244 . Nondiscriminatory 3082 . Nondiversified company 9298 . Non-employee director 9432.10 . Non-equity security 7660 . Nonexempted security 7660 . Non-Fair Housing Act matters 9793 . Non-federal agency 8032.01 . Nonfinancial company 2262.06-B-1, 6120.02-A . Nonfinancial equity investment 2262.06-B-1, 6120.02-A . Nonfinancial trade or business 8383 . Non-institutional customer 3223 . Nongovernmental entity or person 2844.03 . Noninsured banks 1067 . Noninsured branches 2068.04, 2857 . Noninsured institutions 1510, 8726 . Noninterest-bearing transaction account 3240 . Nonlocal checks 7417 . Nonlocal originating depository institutions 7425 . Nonlocal paying banks 7417 . Nonmember professional 9228 . Nonmetropolitan area 2786.02 . Nonpersonal time deposit 7511, 7578 . Nonprofit organizations 1193, 1487 . Nonproprietary ATMs 7417, 7425 . Nonpublic personal information 2392, 8673.22 . Nonrecourse reverse mortgage transaction 6982.02 . Non-security-based swap agreement 8980 . Non-united states person or non-u.s. person 8516.06-D, 8516.08-B, 8516.08-E, 8516.08-K, 8516.12 . Nonvoting shares 6087 . Normal market area 4738 . Notice 2045 . Notice of intent to offset 2238.03 . Notice of Proposed Adverse Action 9793 . Notice of salary offset 2238.03 . Notice to primary regulator 2045 . NRSRO 2847 . Obligations 1240, 5416, 7411, 7412.07 . Obligations of, or fully guaranteed as to principal and interest by, the United States or its agencies 7787 . Obligor 2262.32, 6120.54 . OCC 2857 . OECD banks 6120.02-B-3 . Offer 3207, 5416, 8977, 9288 . Offer for sale 9288 . Offer or market . Offer to sell 9288 . Offering document 8992.01 . Office 2736, 2866, 8592, 8695, 8785 . Office of a foreign bank 7628.06 . Office of Financial Institution Adjudication (OFIA) 2128 . Officer 1139, 2054, 9432.02 . Official custodian 2366 . Offshore banking license 8391, 8516.13 . One-to-four family residential property 3184 . Open-end company 9298 . Open end consumer credit contract 7163 . Open end credit 6645, 6879, 6883, 7163, 7212, 7252 . Open end credit plan 6567 . Open-end lease 6686 . Open to public observation 2227 . Open to the public 2227 . Operating budget 9785 . Operating subsidiary 7787 . Operator of a credit card system 8516.08-N . Operational loss 2262.32, 6120.54 . Operational loss event 2262.32, 6120.55 . Operational risk 2262.33, 6120.55 . Operatioanl risk exposure 2262.33, 6120.55 . Operator's credit card 8516.09 . Option 8516.08-E . Option on a commodity 8486.01 . Optional conversion 2058 . Order 8023 . Organization 6566, 6686, 6721, 7613, 8545 . Organization or entity 2847 . Original check 7418.01 . Originating bank 2262.33 . Originating bank holding company 6120.55 . Originating proprietary institution 7425 . Originator 8484.02 . Origination service 6994 . Originator's bank 8484.02 . OTC derivatives dealer 8247 . OTC margin stock 7660, 7761, 9386 . Other acceptable collateral 3184 . Other capital measures 8890.01 . Other consideration 6721 . Other information 8310.01 . Other lending institutions 7302 . Other nonelectronic transactions 6110.17 . Other qualifying transactions 6097, 6107 . Other retail exposure 6120.55 . Other secured consumer loan 2786.01 . Other unsecured consumer loan 2786.01 . Otherwise disposed of . Out-of-state bank 1327, 1518 . Out-of-state bank holding company 1518, 3236, 6028 . Outside director 5302, 8989, 9258.06 . Outside registrar 9433 . Outstanding shares 6086 . Over-the-counter (OTC) derivative contract 2262.33, 6120.55 . Over-the-counter derivative instrument 8550.28 . Overdrafts 6110.17 . Owner 8516.12, 8516.14-A . Owner-occupied 3184 . Pacific Island bank 7418.22-B . Pacific Island check 7418.22-B . Paper or electronic representation of a substitute check . Parent 2359, 7628.06 . Parent company 2061 . Participant 7425, 9177 . Participant in bank affairs 1138, 2907 . Participating entity 3240 . Participating financial institution 8890.03 . Participating state 8890.03 . Participation 3087 . Party 2128, 2844.03, 8022.02, 8023, 8590.31, 9793 . Passbook savings account 7430, 7461 . Passive real estate ownership 8890.03 . Passthrough accounts 1183, 7580 . Passthrough insurance 4984.88 . Pattern or practice of defalcation regarding obligations 2608, 3207 . Pay an overdraft on an account 7644 . Payable-through account 8398, 8516.14-A . Paying agency 2238.03 . Paying banks 7417, 7418.46 . Payment 1266, 3082 . Payment against delivery 7658 . Payment date 8484.02 . Payment due date 7009 . Payment order 8484.02 . Payment period 7660 . Payroll card account 7389 . Pecuniary interest 9432.01 . Penalties 7010 . Penny stock 8994.08 . Period 6678.39 . Periodic payment plan certificate 9288 . Periodic plan 2757 . Periodic rate 6645, 6881, 6883 . Periodic statement 7430, 7461 . Permanent life insurance policy 8486.02 . Permissible overdrafts 6039 . Perpetual debt 6117 . Perpetual preferred stock 2244, 2258, 2262.10, 6117 . Person 1129, 2061, 2128, 2166.21, 2238.04, 2410, 2680, 2857, 2866, 3193, 6086, 6566, 6601, 6610.17, 6612, 6644, 6686, 6881, 6987, 6993, 7072, 7091, 7162, 7180, 7212, 7362, 7411, 7418.01, 7512.12, 7613, 7644, 7651, 7787, 8023, 8383, 8390, 8484.02, 8486.02, 8498.01, 8516.10-A, 8516.12, 8545, 8671, 8977, 9176.02, 9211, 9268, 9288, 9365, 9388, 9655, 9704, 9715, 9733, 9792 . Person acting on behalf of an issuer 8994.08, 9258.08 . Person associated with . . Government securities broker 9183 . . Investment adviser 9365 . . Investment bank holding companies 9238.01 . . Member of registered securities association 9176.04 . . Municipal securities dealer 9178 . . National recognized statistical rating organization 9186.01 . . Transfer agent 9184 . Person in the business of selling or renting dwellings 9733 . Person participating in an offering of penny stock 8994, 9220, 9250 . Person who is in a position to refer settlement service business 7008 . Personal property 6592, 6686 . Personal service 9655 . Personally identifiable financial information 2393 . Pertinent element of creditworthiness 7212 . Phase-in period 7010 . Physical or mental impairment . Physical presence 8392, 8516.12 . Placed for collection 7196 . Plan 9404 . Points and fees 6670.01, 6981 . Political subdivision 2365 . Pooled income fund 9296 . Portfolio assets 8739 . Portfolio company 6110.28-U . Portfolio investment 2849, 7613 . Portfolio securities 9432.03 . Position 3249 . Position of the agency 8022.02 . Post-insolvency interest 3088 . Post-insolvency interest rate 3088 . Post-rule account 7010 . Post secondary educational expenses 6588.14-A . Postal service 8486 . Practice before the FDIC 2150 . Pre-accrual 7010 . Pre-existing business relationship 6610.41 . Pre-rule account 7010 . Preauthorized electronic fund transfers 6626, 7362, 7390 . Precious metal 8516.10-A . Precious stone 8516.10-A . Precomputed finance charge 8544, 9529 . Predecessor 2296.04-A . Preferred deposits 1069 . Preferred lender arrangement 6588.14-A . Premises . Premiums 2313 . Prepaid finance charges 6645, 6881 . Prepared by or on behalf of the issuer 8992.01 . Prepayment 8544, 9529 . Prepayment penalty 6670.02, 6994 . Preponderance of the evidence 3207 . Prescreening 7191 . Preservation 8822.27 . Prevailing party 2155, 9793 . Primary banking supervisor 6098 . Primary federal supervisor 7586.31 . Primary fund 2293 . Principal amount 3088 . Principal dwelling 6588.01 . Principal investor 8181 . Principal market 9404 . Principal shareholder 3119, 3167, 6086, 7512.06-A, 7643, 7652 . Principal shareholder of a member bank 7650 . Principal underwriter 7512.12, 7787, 7805, 9288 . Prior semiannual period 2293 . Privacy act officer 8590.51 . Private banking account 8391, 8516.13 . Private deposit insurer 1510 . Private educational lender 6588.14-A . Private educational loan 6588.14-A . Private equity fund 6110.28-Q . Privilege 1191 . Probability of default (PD) 2262.33, 6120.55 . Procedures 7250 . Proceeding before an agency of the United States 8310.02 . Process 9433 . Profit gained 9254 . Prohibited basis 7212, 7253 . Prohibited indemnification payment 3082.01 . Promissory note 9182 . Promoter 9288 . Promotional payment 6661 . Promotional period 6661 . Promotional rate 6661 . Proprietary ATMs 7417, 7418.46, 7425 . Prospectus 8978, 9288 . Protection amount (P) 2262.33, 6120.55 . Proven claim 3088 . Provided directly by individuals 8533 . Provisional hold 3088.02 . Public agency 1193, 1487 . Public announcement 2227 . Public entity 9704 . Public float value 9404 . Public guidance documents 6993 . Public international organization 9265, 9268 . Public use areas . Public utilities credit 7212, 7253 . Publicly available information 2393 . Publicly traded 2262.34, 6120.56, 8516.14-A . Publicly traded security 4845, 9213 . Purchase 9176.03, 9407 . Purchase of an asset 7787 . Purchase money loan 7162 . Purchase price 9404 . Purpose credit 7660, 7762 . Put equivalent position 9432.03 . Qualified affiliate 1350, 3124.07 . Qualified agricultural loan . Qualified bank 2262.06-B . Qualified business customer 8384 . Qualified distressed community 8550.07 . Qualified fair housing enforcement organization 9781 . Qualified family partnership 6028.01 . Qualified financial contracts 3086, 3249 . Qualified housing project 1321, 3120 . Qualified individual with a disability 2946 . Qualified institution 1227 . Qualified institutional buyer 9186.02 . Qualified investment 2786.02, 9328 . Qualified investor 9184 . Qualified note 1351 . Qualified plan 9176.03, 9432.10 . Qualified purchasers 9292 . Qualified registered securities depository 9440, 9440.03 . Qualified returned checks 7417, 7418.47 . Qualified savings associations 6043, 8718 . Qualified savings banks 6027 . Qualified thrift investments 8739, 8740, 8740.01 . Qualified written request 7021 . Qualifying capital 2262.06-M, 6112 . Qualifying central counterparty 2262.34, 6120.56 . Qualifying commitment to lend 9388 . Qualifying common stockholders' equity 6114 . Qualifying cross-product master netting agreement 2262.34, 6120.56 . Qualifying foreign banking organization 6086 . Qualifying household 1487 . Qualifying master netting agreement 2262.34, 6120.56 . Qualifying minority interest 6115 . Qualifying multifamily purchaser 1487 . Qualifying perpetual preferred stock 6114 . Qualifying revolving exposure (QRE) 2262.34, 6120.57 . Qualifying security 2708 . Qualifying supervisory goodwill 8720 . Qualifying trust preferred securities 6116 . Quality asset 7586.34 . Quarterly report of conditions 2289, 2293 . Readily accessible to and usable by . Readily ascertainable events 7615 . Readily marketable collateral 3184, 7586.34, 9388 . Readily marketable staple 9388 . Real estate 2240, 6110.20 . Real estate investment activity 3119 . Real estate-related financial transactions 2240, 4502, 6110.20 . Real property 2240, 6110.20 . Real property loan 9536 . Realizable disposition value 1475 . Realized value 6686, 6722 . Reasonable cause 7428.01 . Reasonable cause to believe the information is inaccurate 6610.35 . Reasonable period 7418.08 . Rebuttable presumption of control of portfolio companies 7512.08 . Receipt 9433 . Receipt of notice 9655 . Receiver 1067 . Receiving bank 8485 . Receiving depository institution 7425 . Receiving financial institution 8485 . Recertification 8516.11 . Recipient 8485, 8498.05, 9793 . Recipient agency 8032.01 . Recipient's financial institution 8485 . Reconverting bank 7418.01 . Record difference 9438.02-A . Recordkeeping requirement 8050 . Recordkeeping transfer agent 9438.02-A . Records 2167, 2188, 7196.01, 8031, 8032, 8590.51, 8590.72, 9180, 9258.11 . Recourse 2262.03, 6120.03, 8890.01 . Redeemable security 9288 . Refinancing 6993, 7273 . Regional administrative office 7628.06 . Regional counsel 2045 . Regional director 2045 . Registered broker or dealer 8247, 9183 . Registered government securities broker or dealer 8247 . Registered investment company 8673.12 . Registered public accounting firm 9186.01 . Registrant 2706 . Registration information 9228.02-A . Registration statement 8978 . Regular price 6567 . Regulated affiliate 8516.12 . Regulated financial institution . Regulated institutions 6110.23 . Regulated lending institution . Regulatory reports 5306 . Related interest 3119, 7512.06-B, 7644, 7650, 7652 . Related interests of such persons 6064 . Relevant capital measure 1432 . Relevant metropolitan statistical area 2866 . Relevant state supervisor 7628.06 . Relevant supervisory agency 2844.03 . Relief 8023 . Remote service facilities 2782 . Remotely created check 7418.01, 7418.56-A . Rent 9655 . Reorganization 9288 . Repayment . . Extensions of credit 6592.06 . Reportable transaction 8404 . Reporting activity level 9213 . Reporting by an independent public accountant on an institution financial reporting 5306 . Reporting institution 9440.04 . Reporting period 9432.16 . Repo-style transaction 2262.35, 6120.57 . Representative 2166.21 . Representative of the news media 2169, 8590.14, 8590.72 . Representative office 2847, 7613, 7628.06, 8785 . Representative or nominee 2866, 4056 . Repurchase agreements 1188.14-D, 3086 . Required majority 9350 . Required minimum level 1432 . Required use 6994 . Required reserved balance 7586.06 . Research reports . Reseller 6605 . Reservable liabilities 7511 . Reserve account 7009 . Reserve fund 8890.03 . Reserves 7009 . Residential improved real estate 2664 . Residential manufactured home 8544, 9528, 9536 . Residential mortgage exposure 2262.35, 6120.58 . Residential mortgage transactions 6567, 6645, 6881 . Residential real estate 8704 . Residential real estate loans 9388 . Residential Real estate-related lending transaction . Residential real estate-related transactions . Residential real property 9528 . Residents of the state 3119 . Residual interest 2262.03, 6120.03 . Residual value 6686 . Respondent 2128, 8590.31, 9655, 9793 . Responsible agency 1518 . Restructured international loan 2864.05, 7628.25 . Resulting bank 1518 . Resulting institution 2059, 2296.02 . Retail exposure 2262.35, 6120.58 . Retail exposure subcategory 2262.35, 6120.58 . Retailer 8516.10-A . Retained deposit base . Returning banks 7417, 7418.47 . Revenue sharing 6588.14-A . Revenues 7628.23 . Reverse mortgage 6569, 6992, 9536 . Reverse mortgage transaction 6569, 6982.02 . Review 2171, 8590.13, 8590.72 . Reviewing official 2166.21 . Risk areas 5302 . Risk assignments 2290 . Risk-based assessment system 1114 . Risk parameter 2262.35, 6120.58 . Risk participation 2262.04, 6120.04 . Risk-weighted assets 2244, 6028 . Riskless principal transaction 7788, 9404 . ROCA supervisory ratings 2290 . Routine governmental action 9261, 9266, 9269 . Routine item 9433 . Routine use 2188, 8032, 8590.51 . Routing number 7417, 7418.47 . Rule 8023, 8050 . Rule 10b-18 (SEC) purchase 9405 . Rule 13e-3 (SEC) transaction 9407 . Rule making 8023 . Rules and regulations 9178 . SAIF 2293 . SAIF member 2293 . Salary offset 2238.03 . Sale 8977, 9176.03, 9288 . Sale of federal funds 9388 . Sales load 9288 . Same family 8516.12, 8516.14-A . Sanction 8023 . Savings and loan associations 8307, 9290 . Savings and loan holding company 1072, 2611, 3080, 8673.12, 8726, 8727 . Savings Association Insurance Fund (SAIF) . Savings Association Insurance Fund (SAIF) member 1130.04, 5532 . Savings Association Insurance Fund (SAIF) reserve ratio 1130.04 . Savings associations 1065, 2244, 5530, 6026, 6086, 8695, 8707, 8726, 8982, 9238.01 . Savings bank holding company 6027 . Savings banks 1067 . Savings deposits 7576 . Scenario analysis 2262.35, 6120.58 . Scheduling conference 2142 . Search 2171, 8025, 8590.13, 8590.72 . SEC 2262.35, 2706, 6120.58 . Secondary fund 2293 . Secretary 8590.31, 8822.28, 8822.35, 9793 . Section 13(f) securities . Section 501(c)(4) organization 8533 . Securities 2755, 2759, 3119, 3124.06, 6592, 6686, 7512.08, 7512.12, 7788, 7805, 8486.01, 8977, 8980, 9176.02, 9186.03, 9289, 9438.06, 9365 . Securities affiliate 7788 . Securities analyst . Securities and Exchange Commission 8978 . Securities certificate 9438.06 . Securities contract 1188.14-C . Securities credit 7212 . Securities financing transaction 7807 . Securities information processor 9176.04 . Securities intermidiary 9440.05 . Securities laws 8486.02-B-2, 8994.08, 9183 . Securities-related transaction 9440.04 . Securitization 2262.04, 2262.35, 3087, 6120.02-C, 6120.04, 6120.58 . Securitization exposure 2262.36, 6120.58 . Securitization special purpose entity (securitization SPE) 2262.36, 6120.58 . Security-based swap agreement 8991, 9186.03, 9193, 9194.01, 9194.02, 9226.01, 9230, 9231, 9252.01, 9254 . Security future 8979, 9185, 9292, 9366 . Security futures products 8979, 9186 . Security holders 9413 . Security interest 6592, 6645, 6686, 6722, 6882, 8671 . Security position listing 9413, 9438.02 . Self-directed 4796 . Self-regulatory organization 6606, 8516.06, 9177, 8516.06-C . . Rules and regulations 9178 . Self-test 7223, 7258 . Sell 8977, 9176.03 . Seller 7163 . Selling agent 8671 . Semiannual period 1116, 2293 . Sender 8485 . Senior examiner 2611 . Senior executive officer 1152, 1432, 2065, 6110.24, 8722 . Senior foreign political figure 8516.13 . Senior securitization 2262.36, 6120.58 . Senior security 8992.01, 9315 . Senior unsecured debt 3240 . Sensitive customer information 3172.03, 6120.40 . Separate accounts 8979, 9176.04, 9289 . Separate item 7010 . Separately identifiable department or division 9366 . Service company 8708, 9432.16, 9438.02-A . Service corporations 3124.07 . Service provider 3170, 6120.35 . Servicer 2664, 6588.08-D, 6588.10, 6994, 7078 . Servicer cash advance facility 2262.36, 6120.58 . Servicing 6994, 7078 . Settlement 6994 . Settlement services 6994, 7072 . Shareholders 2054 . Short call or short put 7660 . Short-term paper 9289 . Shortage 7014 . Signature 7418.01, 7418.56-A . Significant risk to the deposit insurance fund 2857, 3119, 3134 . Significantly undercapitalized 1431, 2252 . Similarly situated banks 7417 . Single interest insurance 6894 . Single-item analysis 7010 . Sisters 2359 . Site . Small banks 2786.02 . Small business 2262.06-B, 8050, 8890.01 . Small business concern 8050, 9184 . Small business issuer 2417 . Small business loans 2786.02, 9389 . Small business related security 9184 . Small entity 8050 . Small farm loans 2786.02, 9389 . Small far loans or extensions of credit 9389 . Small governmental jurisdiction 8050 . Small institution 2290 . Small organization 8050 . Sole proprietorship 2352 . Solicitation 6610.41, 6649 . Source agency 8032.01 . Sovereign entity 2262.36, 6120.58 . Sovereign exposure 2262.36, 6120.58 . Special flood hazard area 2664 . Special Information Booklet 6995 . Special purpose entity 3087 . Specific risk 2262.14, 6120.29 . Specified procedures 5306 . Specified unlawful activity 8303, 8306 . Sponsor 2262.04, 6120.04 . Standard conditions 2045 . Standard interval of time 6678.39 . Standard maximum deposit insurace amount 2352 . Standby letter of credit 2637, 9389 . State 1065, 2857, 3236, 6567, 6592.06, 6604, 6618, 6624.09, 6626, 6645, 6686, 6987, 6995, 7212, 7362, 7417, 7425, 7430, 7628.06, 8021, 8486, 8671, 8673.10, 8673.16, 8673.19, 8695, 8785, 8822.27, 8873, 8890.03, 8992.01, 9176.03, 9289, 9365, 9528, 9536, 9655, 9704, 9792 . State agency 7628.05, 8785 . State appraiser certifying and licensing agency . State appraiser regulatory agency 8590.72 . State bank supervisor 1071, 6027, 8710, 8786 . State banks 1065, 2053, 5559, 5561, 7788, 8710 . State branches 2068.04, 2858, 7628.05, 8785 . State certified appraiser 2240, 6110.20 . State chartered credit union 8307 . State-chartered depository institutions 3119 . State depository institutions 1066 . State depository institution, federal depository institution, state savings association and federal savings association 8181 . State historic preservation review board 8822.28 . State housing finance agency 1487 . State insurance authority 8673.23 . State licensed appraiser 2240, 6110.20 . State member banks 1066, 7409, 8550.28-A . State nonmember banks 1066 . State pension plan 9258.17 . State savings associations 1065, 8708 . State supervisory fees 1177 . Statement 2166.21 . Statewide loan-to-deposit ratio(, 3235 . Statistical record 8032 . Statistically sound credit scoring system 7211 . Statutorily prescribed amount 1130.05 . Statutory disqualification 9180 . Stepped rate account 7430 . Stock purchase plan 9432.10 . Stockholder of record 7650 . Stored value 8486.01 . Structure (structuring) 8486.01 . Structured finance program 2262.04, 6120.04 . Subcommittee 8590.31, 8590.51 . Submission 7010 . Subordinated debt 1432 . Subprime lending 5479 . Subservicer 7021 . Subsidiaries 1072, 1135, 1268, 1523, 2262.36, 2736, 2847, 3119, 3124.06, 3124.11, 3124.14, 3135, 6025, 6061, 6086, 6120.35, 6120.58, 7512.06-B, 7512.08, 7614, 7628.06, 7628.23, 7644, 7788, 8727, 8785, 8873 . Subsidiary file 9438.02 . Substandard . Substantial loss to the federal deposit insurance funds 2609, 3207, 5416 . Substantial penalty or adjustment 2353 . Substantially all business functions 7389 . Substantially engaged 6110.28-C . Substantially equivalent state or local agency 9655 . Substantially similar purchase offers 1479 . Substitute check 7418.01 . Successor . Sufficient copy of original check 7418.01 . Supervised investment bank holding company 9238.01 . Supervised person 9366 . Supervisory agency 7091 . Supplementary capita elements 6116 . Surcharge 6567 . Surplus 7010 . Surviving institution 2293 . Swap agreements 3086, 1188.14-E . Synthetic securitization 2262.36, 6120.58 . System manager 2188 . System of recordkeeping 7010 . System of records 2188, 8032, 8590.51 . Table funding 2664, 6995 . Takeover 8546.01 . Tangible capital 8720 . Tangible equity 2244, 3124.12 . Target balance 7010 . Targeted communication 8533 . Targeted federal funds rate 7586.06 . Targeted population 8873 . Targeted to the relevant electorate 8533 . Tax payer identification number 8516.06-D, 8516.08-B, 8516.08-E, 8516.08-K . Tax refund offset 2238.18 . Tax refund payment 2238.18 . Teller's checks 7418, 7418.48, 7425 . Temporary annual percentage rate 6586 . Temporary annual percentage rate of interest 6586 . Temporary liquidity guarantee program 3241 . Term of agreement 2844.04 . Terminating institution 2290, 2293 . Terminating transfer 2290, 2293 . Termination 9413 . Territories and insular possessions 8486, 8516.12 . Territory 8978 . Terrorist activity 8516.04 . Thing of value 7072 . Third party 6996 . Tier 1 capital 2046, 2244, 2257, 2847, 3119, 3135, 6028, 6113, 6117, 6120.27, 7614 . Tier 1 Capital 2262.36, 6120.59 . Tier 1 risk-based capital ratio 2244, 7586.34 . Tier 2 capital 2258, 2262.36, 3124.12, 6120.59 . Tier 3 capital 2262.14, 2262.36, 6120.29, 6120.59 . Tiered rate account 7430, 7461 . Time account 7430, 7461 . Time and savings deposits 2292 . Time deposits 7575 . Title company 6995, 7072 . Title VIII 9782 . Title service 6996 . Total capital 7586.31 . Total liablilities 5197 . Total qualifying capital 2262.36, 6120.59 . Total risk-based capital ratio 2245, 7586.34 . Total risk-weighted assets 2262.36, 6120.59 . Total wholesale and retail risk-weighted assets 2262.36, 6120.59 . Tract development 2240, 6110.20 . Trade credit 7263 . Traded position 2262.04, 6120.04 . Traditional securitization 2262.37, 6120.59 . Training program 8873 . Tranche 2262.37, 6120.59 . Transaction account 7511, 7577, 8403, 8485 . Transaction account guarantee program 3240 . Transaction value 2240, 4610, 6110.20 . Transactions 8302, 8484 . Transactions in currency 8484 . Transfer 1188.14-F, 7418, 9433 . Transfer agent 9177 . . Person associated with 9184 . Transfer and consideration 7418.01 . Transfer item 6110.17 . Transfer risk 2864.05, 7628.25 . Transfer with respect to a substitute check or a paper or electronic representation of a substitute check 7418.01 . Transferee institution 1208 . Transferee servicer 7021 . Transferor servicer 7021 . Transferred deposit 1070 . Transition period 8876 . Transmittal of funds 8485 . Transmittal order 8485 . Transmittor 8486 . Transmittor's financial institution 8486 . Traveler's checks 7418, 7418.48 . Trial running balance 7010 . Tribal lands 8822.28 . Troubled conditions 2065, 3249 . Troubled institutions 1360 . Truncate 7418.01 . Truncating bank 7418.01 . Trust account 7009 . Trust estate 2352 . Trust funds 1070, 2352, 5560 . Trust interest 2352 . Trust service 6061 . Truth in Lending Act 6643 . Turnaround 9433 . Ultimate parent 7628.06 . Unaffiliated security holder 9409 . Unauthorized electronic fund transfers 6626, 7362, 7390 . Unauthorized use of credit card 6567, 6652.09 . Uncertificated security 9440.04 . Undercapitalized 1431, 2252 . Undercapitalized savings association 8740.05 . Underlying asset 7660 . Underlying exposure 2262.37, 6120.59 . Understated APR 5049 . Understated finance charges 5050 . Undertaking 8822.27 . Underwriter 8979, 9176.04, 9289, 9365 . Undesignated information 7196.05 . Unexpected operational loss (UOL) 2262.37, 6120.60 . Uniform commercial code 7418, 7418.48 . Uniform rules 2128 . Unimpaired capital and unimpaired surplus 9386 . Uninsured branch . Uninsured deposits 1069 . Unit investment trust 9298 . Unit of general local government 7418, 7418.48, 7425 . Unit of measure 2262.37, 6120.60 . U.S. bank holding company 3239 . U.S. Savings and loan holding company 3239 . U.S. tri-party repurchase agreement market 7807 . United States 2867, 6086, 7418, 7425, 7581, 8383, 8486, 8486.02, 8516.12 . United States deposit 1208 . United States depository institutions 2262.06-D, 6115, 6120.08, 7586.32 . United States government agency 2262.06-D, 6120.08, 6120.16 . United States government sponsored agencies 2262.06-E, 6120.09 . United States person 7841, 8386, 8516.06-D, 8516.08-B, 8516.08-E, 8516.08-K, 9262, 9266 . United States resident 7581 . United States savings bond 8249 . United States securities 7841, 9192 . Unposted credits or debits 2292 . Unusual circumstances 8027 . Upper income 2786.01 . Value 3184, 9289 . Value-at-risk (VaR) 2262.14, 2262.37, 6120.29, 6120.60 . Variable rate account 7430, 7461 . Vault cash 7580 . Very low-income families 1487 . Vested interest 4984.26 . Victim 6610.15 . Violates 6047, 6063 . Violation 1072, 2129, 8735 . Voting securities 2054, 6086, 7788, 9290 . Voting securities or other voting interests 8516.12 . Voting shares 2054 . Voting stock 2054 . Waiver 2238.03 . Walkaway clause 1188.14-F, 2262.06-L-1, 6120.15 . Well capitalized 1431, 2251, 2847, 3120, 3136, 6028, 6087, 7614, 7788, 7628.23, 8990.01 . Well capitalized insured depository institution 4658 . Well managed 3124.12, 6028, 6088, 7614, 7628.23 . Well secured loan 5082 . Wholesale banks 2786.02 . Wholesale exposure 2262.37, 6120.60 . Wholesale exposure subcategory 2262.37, 6120.60 . Wholly owned subsidiary 2858, 9290 . Window-period loan 9536 . Wire transfer 7418, 7418.49, 7425 . Withdrawal shipment control list 9432.17 . Withholding order 2238.03 . Women's depository institutions . Written 8978 . Written agreements 2245 . Written appraisal . You 2394, 2736 Delayed availability of funds SEE ALSO Funds availability . Depository institutions . . Civil liability 7428.08 . . Notice to depositors 7428.02 . FRB's Regulation CC . . Exceptions 7418.05, 7418.62 . . Paying banks 7418.14 . Safeguards . . Antifraud rules 7428.01 . . Emergency 7428.01 . . Large deposits 7428.01 . . New accounts 7418.03, 7428 . . Overdrafts 7428.01 . . Reasonable cause 7428.01 . . Redeposited checks 7428.01 Delayed disbursement . FRB Statement of Policy . . Cashier's checks 7418.124 . . Teller's checks 7418.124 Delegated authority . Corporate debt collection 2238.03 . FRB 6181, 6190.02 . . Acquisition of control 6193 . . Administrative enforcement 6191 . . Appointment 6192 . . Assistant Federal Reserve agents 6192 . . Bank holding company 6192 . . Branch establishment, operation, or relocation 6196 . . Capital stock reduction or retirement 6196 . . Cease-and-desist order 6192 . . Classifications 6197 . . Comment or protest 6192 . . Competitive factor report 6194 . . Conversion transactions 6194 . . De novo expansion 6192 . . Divestiture 6191 . . Dividends 6196 . . Drafts or bills of exchange 6196 . . Edge Corporation 6191, 6194, 6195 . . Export trading companies 6195 . . Extension of time 6192 . . Federal Reserve System withdrawal 6196 . . Foreign banks and banking 6194 . . Foreign branch establishment 6195 . . FRB membership 6196 . . Freedom of Information Act 6192 . . Futures commission merchant 6195 . . Grandfather provisions 6193 . . Information availability and management 6192 . . Interlocking relationship 6197 . . Investments 6195 . . Loans to finance securities transactions 6197 . . Management official 6193 . . Merger transactions 6192 . . Nonbanking activities 6193 . . Oath administration 6192 . . Premises 6197 . . Registered securities 6197 . . Registration statement 6190 . . Reserves 6197 . . Securities transactions 6197 . . Security devices and procedures 6197 . . Subordinated notes and debentures 6197 . . Written agreements 6191 . FRB 6181 . FRB Division of Banking Supervision and Regulation Director 6186.01 . FRB Division of Consumer and Community Affairs Director 6190.01 . FRB Division of International Finance Staff Director 6190.01 . FRB General Counsel 6184.01 . FRB Secretary 6183 . FRB Secretary of Open Market Committee . Monetary instruments transactions 8388 . . Civil money penalties 8399 . . Summons 8514 . Office of Thrift Supervision, Director 8697 . Registered transfer agent 2707 . Securities and Exchange Commission 9186.05 . Truth in Lending Act . . FRB Division of Consumer Affairs Director 6190.01 Delinquency charges SEE Late payment charges Delivery . Definition 7009 Delivery against payment . Definition 7658 Demand . Definition 8022.02 Demand deposit account, NOW account, money market deposit account, savings deposit account and time deposit account . Definition 3088.02 Demand deposits SEE ALSO Deposit accounts . Advertising 7477 . Definition 2292, 2311, 7574, 7656.31 . Disclosure requirements 7478 . Insurance coverage . . Bridge banks 4397 . . Individual retirement account 4582 . . Merger transactions 4599 . Interest rates limitation and regulation 2312, 4631, 7431, 7479 . . Premiums 7656.32 . . Puerto Rico 4831 . . Sweep account 4824, 4984.44 . Savings deposits . . Automatic transfers 1263 Demand feature . Credit other than open end . . Disclosure requirements 6664, 6952 Department . Definition 8247, 8281, 9733, 9781 Dependence . Definition 2262.24, 6120.46 Deposit account records . Definition 2351 Deposit accounts . Administrative enforcement 7483 . Advertising 7435, 7477 . . Annual percentage yield 7435 . . Deposit broker 7429 . . Sample forms 7452 . Definition 8484 . Disclosure requirements 7431, 7478 . . Change in terms 7433, 7481 . . Fees or charges 7432, 7479 . . Maturity 7433 . . Model clauses 7442, 7483 . Effect on state laws 7429, 7454 . FRB's Regulation DD 7429 . Grace period 2313 . Interest on deposits 2312, 7479 . . Demand deposits 2312 . . Payment 7434, 7481 . Periodic statement 7434, 7482 . . Fees or charges 7434 . Premiums 2313 . Records maintenance and retention 7436 . Staff interpretations 7454 . Truth in Savings Act 7477 Deposit broker . Advertising 4741, 4984.37, 4984.38 . . Interest on deposits 7429 . Bankers' bank 4701 . Brokered deposits 4454, 4902 . . Public unit account 4676, 4704 . . Recordkeeping requirement 4660, 4713 . . Undercapitalized insured depository institution 1359 . Certificate of deposit 4984.37, 4984.38, 4984.47 . Definition 1360, 4428, 4452, 4654, 4656, 4659, 4660, 4663, 4664, 4665, 4676, 4687, 4690, 4697, 4701, 4778, 4781, 4984.93, 7430, 7461 . Federally-related mortgage loans . . Mortgage servicing rights 4689, 4696 . Insured depository institutions 4681, 4732, 4763, 4902 . . Affiliated insured bank 4678, 4801 . . Employee compensation 4686 . . Nonbanking subsidiaries 4846, 4921 . . Premiums 4888 . . Secured credit card loans 4844 . . Uninsured deposits 4678 . Listing service 4984.63, 4984.90 . Mortgage servicing rights 4696 . . Federally-related mortgage loans 4689 . Registration . . Accounting service 4891 . . Affinity groups 4762, 4770, 4813 . . Associations 4690 . . Bank sales personnel 4665, 4787 . . Charities 4837 . . Foreign banks and banking 4972 . . Investment adviser 4658, 4676, 4687, 4696 . . Master notice 4668 . . Public unit account 4704, 4705 . . Second tier broker 4893 . . Trust company affiliate 4784 . . Trust department 4656, 4699, 4713 . . Well capitalized insured depository institution 4733, 4763 Deposit insurance SEE ALSO Insurance coverage . Application 1093, 2054, 5349 . . Affiliates 4246 . . Approval 1093 . . Banking factors 1105, 1093, 5350 . . District banks 4344 . . FDIC Statement of Policy 5349 . . Foreign banks and banking 1093 . . Interim depository institutions 1093 . . National Environmental Policy Act of 1969 5185 . . Nonmember banks 5213 . Bank Insurance Fund (BIF) 1184 . . Establishment 1185 . Banking factors . . Certification 1105 . Conversion transactions . . FDIC 4269 . . Federal Home Loan Bank Board 4269 . . Special rules 1097 . Credit union . . Advertising 4984.53 . . Safe and sound banking practices 4984.53 . Denial of application . . Authority not delegated 1093 . Deposits 2053 . . Trust funds 2053 . Direct ownership or control . . Passthrough accounts 4186 . FDIC . . Loans from Treasury 1233 . . Official sign 1257, 2297, 4742 . . Official statement 1257, 2299 . FDIC General Counsel's opinion . . Bank Holding Company Act 5563 . . Deposits 5558 . . Guidance 5558 . . Trust funds 5559 . FDIC Statement of Policy 5349 . Fees or charges . . Customer 4511, 4541 . Foreign banks and banking 2858, 8792 . . Banking factors 1094 . . Exemptions 2864.03 . Full faith and credit . . FDIC 4438 . . Savings and loan associations 4422 . . Savings Association Insurance Fund (SAIF) 4422 . . United States 4277, 4288, 4289, 4373, 4438 . Insurance coverage . . Termination of insurance 1132 . Investment annuity account 4984.58 . Limitations . . FDI Act 1315 . Private insurance . . Excess deposit insurance 4979 . Savings Association Insurance Fund (SAIF) . . Borrowing authority . . Establishment 1185 . Study 8677 Deposit Insurance Flexibility Act . Act 8675 Deposit insurance fund . Definition 1073 Deposit insurance fund loss . Disclosure requirements 1440 . GAO audit, review, or report 1440 . Reports and reporting requirements 1440 . Review 1439 Deposit insurance fund protection . Foreign banks and banking . . Pledge of assets 1094 . . Surety bond 1094 . Insurance fees 1094 . . Conversion transactions 1095 . . Moratorium 1095 . Undercapitalized institutions . . Restrictions 1439 Deposit liabilities SEE ALSO Assumption of deposits . Assumption of deposits . . Prior approval 4324 . Condition report 1111 . . Traveler's checks 4791 . Definition 4825 Deposit ownership . Affiliated insured bank . . Separate coverage 2352 . FDIC receiver or conservator . . Claimant recognition 1207 . Individual account . . Signature 4569 . Insurance coverage . . Custodial account 2354 . . Joint account 4256 . . Passthrough accounts 4186 . . Recordkeeping requirement 2354 . . Rights and capacities 2352 . . Trust interest 4256 . . Trust funds 4162 Deposit payable only at an office located outside the United States . Definition 7581 Deposit shipment control list . Definition 9432.17 Deposit slips . FRB's Regulation CC . . Disclosure requirements 7418.08, 7418.69 . . Funds availability 7418.03, 7418.52 Deposit tracking . Study 8550.22-A Depositary . Definition 9440 Depositary banks SEE ALSO Depository banks OR Depository institutions . Checks returned 7418.17 . Definition 7416, 7418.43 . FRB's Regulation CC . . Checks returned 7418.17, 7418.88 Deposition . Adjudicatory proceedings 2140 . . Evidence 2144.01 . Fair housing 9802 Depositor . Definition 2363 Depositor notification SEE Notice to depositors Depositor preference . FDIC receiver or conservator . . Claims 1188.12, 4825 Depositor rights . Bank failure . . Custodial account 4310 . FDIC . . Financial assistance 1220 Depository . Definition 2856 Depository banks SEE ALSO Depositary banks OR Depository institutions . Branch or agency of a foreign bank . . Required dollar deposit 8787 . . Required investment securities 8787 . Insurance coverage . . Deposits 4215, 4221, 4222, 4223 Depository check . Definition 7418.42, 7424 Depository-eligible securities issue . Definition 9433 Depository holding company . Definition 2866, 8591 Depository institution affiliate . Definition 2866 Depository institution holding company . Definition 1072, 3080, 8287, 8294, 8673.13, 8872 . FDIC receiver or conservator . . Bridge banks 1188.27 . . Closed insured banks 1188.25, 1188.26 . Interlocking director . . Banks in danger of failing 8593 . . Receivership and liquidation 8593 . Management official . . Appointment 1391 . . Notice of disapproval 1392 . Safe and sound banking practices . . Standards 1455 Depository Institution Management Interlocks Act SEE ALSO Interlocking relationship . Act 8591 . Affiliates . . Management official 4029 . Attorney General . . Authority 8596 . Comptroller of the Currency . . Enforcement agency for national banks 8595 . Depository institutions . . Federal Land Bank Association 4360 . FDIC . . Enforcement agency for insured nonmember banks 2870, 8595 . Financial Institutions Regulatory and Interest Rate Control Act of 1978 (FIRA) or (FIRIRCA) 8591 . FRB . . Enforcement agency for state member banks 8595 Depository institutions SEE ALSO Closed insured depository institutions OR Commonly controlled depository institutions OR De novo depository institution OR Depositary banks OR District depository institutions OR Insured depository institutions OR Interim depository institutions OR Minority-owned depository institutions OR Newly organized depository institutions OR Undercapitalized insured depository institution . Definition 1066, 1509, 2167, 2262.24, 2611, 2866, 3128, 6027, 6088, 6110.28-L, 6110.28-U, 6120.46, 7301, 7424, 7430, 7461, 7510.01, 7580, 7786, 8181, 8249, 8385, 8550.25, 8591, 8673.10, 8673.16 Depository Institutions Deregulation and Monetary Control Act of 1980 . Act 8537 . Consumer Checking Account Equity Act of 1980 8537 . Foreign Control of United States Financial Institutions 8546.01 . Monetary Control Act of 1980 8537 . Powers of thrift institutions 8538 . Rules and regulations . . Interpretations 9532 . State usury laws 8539 . . Rules and regulations 9527 . Truth in Lending Simplification and Reform Act 8546 Depository organization . Definition 2866 Depository receipts SEE American depository receipts Deposits SEE ALSO Brokered deposits OR Cash deposits OR Certificate of deposit OR Demand deposits OR Foreign deposits OR Large deposits OR Multibank deposits OR Savings deposits OR Time deposits OR Unclaimed deposits OR Uninsured deposits . Assessment base . . Assessment 4587 . . Pension plan 4293 . . Repurchase agreements 4613 . Closed insured banks . . Filing of claim 4358 . Definition 1067, 2292, 2351, 2856, 5560, 6030.02, 7572, 7586.14, 7656.31, 2289 . Deposit broker . . Insured depository institutions 4454 . FDIC . . Teller's station or window 2299 . FDIC General Counsel's opinion . . Bank Holding Company Act 5563 . . Deposit insurance 5558 . . Trust funds 5558 . Federal savings associations . . Foreign branches 7586.17 . Foreign branches . . Official sign 4378 . . Reserve requirements 7586.17 . Insurance coverage 4244, 4344, 4450, 4451, 4617 . . Automated clearinghouse 4300 . . Earnings based accounts 4238 . . Foreign deposits 2352, 4278 . . Minority organization 4300 . . Multibank deposits 4221, 4222, 4223, 4285 . . Subsidiaries 4215, 4221, 4223, 4225, 4331 . Recordkeeping requirement . . Subsidiaries 4232 . Trust funds(, 2053 . . Deposit insurance 2053 Deposits acquired by the institution . Definition 2296.02 Deposits, number of deposit accounts and toatal assets . Definition 3088.02 Depreciation and amortization . International loan . . Amortizing fees 7630 Deputy director . Definition 2045 Deputy regional director . Definition 2045 Derivative contract . Definition 2262.24, 6120.46 Derivative contracts . Risk-based capital 2262.06-J . . Credit equivalent amounts 6120.13, 6120.18 Derivative securities . Definition 9432.02 . Risk management . . FDIC Statement of Policy 5437 . Securities transactions 9432.06, 9432.12, 9432.15 Derivative transaction . Definition 7786 Designated examining authority . Definition 8246 Designated loan . Definition 2663 Designated reserve ratio . Definition 1114 Designated system of records . Definition 2188 Designee . Definition 2128 Destruction . Definition 9440.04 Development services . Definition 8872 DIF . Definition 2296.04-A Direct cost . Definition 8590.71 Direct costs . Definition 2169, 8590.13 Direct credit substitute . Definition 2262.01, 6120.02-C . Risk-based capital . . Recourse 2262.01, 2262.04, 6120.04 Direct ownership . Definition 7008 Directives . Capital adequacy 2166.12-A, 2249 . . Capital restoration plan 2166.16 . . Enforcement 2166.16, 2250 . . Leverage capital 2249 . Removal or suspension of institution-affiliated party 2166.15 . . Enforcement 2166.16 Directly or indirectly . Definition 7612 Director SEE ALSO Insider . Change . . Notice 2165 . Definition 1139, 2045, 2054, 2065, 2238.02, 3119, 3167, 6110.23, 7498, 8695, 9176.02, 9285, 9364 . Employment, insured depository institutions . . Convicted individual 1291 . . Notice of disapproval 2066 . FRB's Regulation O . . Subsidiaries 4020 . Investment Company Act of 1940 . . Business development company 9346 . . Registered investment company 9301, 9309 . Management responsibilities . . FDIC Statement of Policy 5369 . Registered investment company . . Banks 9301 . Securities Exchange Act of 1934 . . Statement of ownership 9230 Director change . Insured nonmember banks 2064.01 . Registered securities . . Form F--5 proxy statement 9212 . . Form F-13 tender offer 9211 . Troubled institutions . . Prior notice 6110.24 Director of a company or bank . Definition 7642 Director of the division having primary authority . Definition 2168 Directors and officers liability . Closed insured depository institutions . . FDIC receiver or conservator 1188.20 . Insurance coverage . . Mutual insurance company 4246 . Insured banks . . FDIC Statement of Policy 5369 Disaster SEE Emergency OR Federal disaster relief assistance Disaster areas . Definition . Real estate-related financial transactions . . Exceptions Disbarment . Adjudicatory proceedings 2149 Disbursement date . Definition 7009 Discharge from employment . Employees . . FDIC 2609 . . Federal banking agencies 1401 . . Garnishment restriction 6596 . . Insured depository institutions 1401 Disciplinary action . Registered securities association 9228.02 . . Toll-free telephone access 9228.02 . Securities and Exchange Commission . . National securities exchange 9188.01 . Self-regulatory organization . . Notice 9242.02 . . Proceedings 9243 Disclose . Definition 2167, 8590.71 Disclosure . Definition 2167, 8590.71 Disclosure requirements SEE ALSO Oral disclosure requirements . Appropriate federal banking agency . . Deposit insurance fund loss 1440 . Assumption policy . . Home mortgage 6665 . Charge card . . Annual percentage rate 6649, 6899 . . Application 6581, 6649, 6898.01 . . Effect on state laws 6669 . . Fees or charges 6585 . . Open end credit 6581 . . Renewal or substitution 6584, 6652.06, 6911, 6974 . . Solicitation 6649, 6898.01 . Closed end credit 6661 . . Contents 6663, 6945 . . Contract reference 6665, 6955 . . Insurance 2737, 6955 . . Multiple consumers or creditors 6943 . . Required deposit 6665, 6955 . Consumer credit contract 6576, 6937 . . Interest rates limitation and regulation 6669 . Consumer leases 6592.01, 6686, 6722 . . Model forms 6693 . Consumer report 6607, 6610.03, 6610.12, 6610.18, 7196.09 . CRA-related agreements 2835, 2841 . . Covered agreement 2841 . . Reports and reporting requirements 2842 . Credit card . . Annual percentage rate 6649, 6899 . . Application 6581, 6649, 6898.01 . . Effect on state laws 6669 . . Fees or charges 6585 . . Open end credit 6581 . . Renewal or substitution 6584, 6652.06, 6911, 6974 . . Solicitation 6649, 6898.01 . Credit other than open end . . Amount financed 6588.01, 6946, 6948 . . Annual percentage rate 6588.02 . . Assumption policy 6955 . . Demand feature 6952 . . Downpayment 6588.02 . . Finance charges 6588.02 . . Identity of creditor 6588.01, 6946 . . Late payment charges 6588.02, 6954.01 . . Liabilities 6588.02 . . Mail or telephone 6588.03, 6944 . . Payment schedule 6951 . . Prepaid finance charges 6588.02 . . Prepayment penalty 6954 . . Rebate of finance charge 6588.02, 6954.01 . . Security interest 6954.01, 6955 . . Series of sales 6944 . . Student loan 6944.01 . . Total of payments 6588.02, 6953 . . Total sale price 6588.02, 6953 . . Variable rates 6950 . Electronic communication 6731 . Electronic fund transfers 7363 . . Documentation 6628.01, 6629 . . Interpretations 7395, 7399 . . Periodic statement 6628.01, 6629 . . Terms, conditions or requirements 6627 . Executive officer . . Indebtedness . Fair Credit Reporting Act . . National security investigation 6609 . . Truth in Savings Act 7477 . Finance charges . . Overdrafts 7428.01 . FRB's Regulation CC 7418.09, 7418.64 . FRB's Regulation M . . Consumer leases 6686, 6687, 6722 . . Inconsistent state requirements 6692.01 . FRB's Regulation Z 6648.01, 6902.18 . . Assumption of mortgage 6958.10 . . Home equity plans 6652, 6902.01 . . Inconsistent state requirements 6668, 6970 . . Multiple advance loan 6672 . . Refinancing 6666, 6958.09 . . Spanish language 6970 . . Transaction-by-transaction basis 6674 . . Variable rates 6958 . Funds availability . . Expedited Funds Availability Act 7428.03 . . Payable through checks 7418.21, 7418.96 . . Policy 7418.65, 7428.03 . Government securities . . Custodial holdings 8259 . . Government securities broker or dealer 8263 . Gramm-Leach-Bliley Act 8673.13, 8673.16 . Home equity plans . . Advertising 6660, 6933 . . Annual percentage rate 6652.01, 6660, 6902.02, 6902.08 . . Application 6652, 6902.01 . . Balloon payment 6660, 6902.06 . . Change in terms 6588.11 . . Contents 6652, 6902.04 . . Disclosure form 6588, 6902.03 . . Fees or charges 6588.12, 6652.01, 6652.04, 6902.08 . . Payment 6652, 6902.02, 6902.05, 6902.21 . . Security interest 6652 . . Tax implications 6652.01 . . Terms, conditions or requirements 6652.06 . . Variable rates 6652.01, 6902.09, 6902.21 . Insured state nonmember banks . . Annual disclosure statement 2905 . . Securities subsidiaries 4342 . Internal Revenue Code of 1954 . . Individual retirement account 9543 . International assets 7630 . Investment advisory activities . . Examination report 9378 . More-conspicuous requirement 6577 . Mortgage loan 7302 . Noninsured institutions 1507 . Open end credit 6648.01, 6902.18 . . Advertising 6588.14-A, 6932 . . Annual statement 6652.06, 6908 . . Finance charges 6652.07, 6911 . . Format 6577 . . Loans secured by principal dwelling 6586 . . New accounts 6580 . . Periodic statement 6580, 6652 . . Terms, conditions or requirements 6652.03, 6909 . Principal shareholder . . Indebtedness . Privacy Act of 1974 . . Agency records 8029 . . Social Security number 8035 . Research reports 9228.16 . . Reports and reporting requirements 9228.16 . Residential mortgage transactions . . Variable rates 6958.01 . Revocable trust account . . Fiduciary relationship 4469 . Risks . . Government securities broker or dealer 9228.08 . . Penny stock 9224 . . Registered broker or dealer 9234.01 . Savings associations 8697 . Securities transactions . . Issuer tender offer 9414 . . Rule 13e-3 (SEC) transaction 9410 . Trustee . . Individual retirement account 9543 . Truth in Lending Act 6576 . . Error resolution 6572 . Truth in Savings Act . . Advertising 7477 . . Annual percentage rate . . Fees or charges 7479 . . Interest rates limitation and regulation 7477 . Unfair or deceptive acts or practices . . Cosigner 7412, 7412.11 Disclosure statement SEE Annual disclosure statement OR Disclosure requirements OR Financial statement Discount . Definition 6567 Discount, allowance, commission, or special terms SEE ALSO Interest or discount on loans OR Point and discount charges . Brokered deposits . . Insurance coverage 4285 . Discount brokerage service . . Trust account 4178 . Insured nonmember banks . . Brokerage service 4160 Discount brokerage service . Discount, allowance, commission, or special terms . . Trust account 4178 . Insured nonmember banks 5522 . . Commission sharing 4132, 4136 . . FDIC General Counsel's opinion 5522 . . Nondiscretionary accounts 4135, 4136 . . Securities transactions 4151 . . Soft dollar arrangement 4132 . . Trust department 4151 . . Underwriter 4131 . Powers inconsistent with FDI Act . . Affiliates 4242 . State nonmember banks . . Subsidiaries 4200 Discount for cash . Credit card . . Tying arrangements 6654 . FRB's Regulation Z . . Finance charges 6890 Discount for prompt payment . Cash 6590.02 Discount window loans . Definition 6110.16 Discovery SEE Document discovery Discretionary transaction . Definition 9432.10 Discriminate against an applicant . Definition 7211 Discriminatory housing practice . Definition 9654.01, 9733, 9792 Discriminatory practices . Compliance . . Edge Corporation 8786 . Consumer credit practices 2736, 7209, 7213, 7215, 7254 . . Advertising 7213 . . Equal Credit Opportunity Act 6610.48 . . Exceptions 7212, 7213 . . FRB's Regulation B 7209 . . Loan and credit applications 7213, 7215, 7245 . . Self-testing 6614, 7222, 7223, 7264.03 . Definition 6987, 9704 . Employees . . Discharge from employment 1401 . . Federal banking agencies 1401 . . Insured depository institutions 1401 . Fair Housing . . Administrative proceedings 9791 . . Advertising 2648 . . Brokerage service 6988.04 . . Complaints 9653 . . Corrective action . . Exemptions 6988.04 . . Financing of housing 6988.01 . . Handicapped persons . . Housing for older people 6988.04 . . Penalties 9809 . . Poster 2648, 2649, 9733 . . Privileged information . . Residential real estate-related transactions 6988.03 . . Sale or rental of housing 6988.01 . . Self-test . . Systemic discrimination 9660 . FDI Act 1309 . FDIC . . Handicapped persons 2947 . . Information availability and management . . Programs and activities 2945 . . Rehabilitation Act of 1973, section 504 2945 . Government securities . . Order 9228.07 . . Rules and regulations 9228.07 . Housing assistance programs 9703, 9705 . . Complaints 9706 . . Compliance 9707, 9709 . . Marketing 9715 . . Penalties 9709 . . Review 9708 . Joint Statement of Policy . . Federal Financial Institutions Examination Council 5065 . . Loans or extensions of credit 5397 Disinterested person . Insured nonmember banks . . Stock option plan 4392 Disposable earnings . Definition 6595 Disposable pay . Definition 2238.02 Disputed amount . Open end credit . . Billing errors 6655, 6921 Disputed file . Fair Credit Reporting Act . . Consumer reporting agency 7203 Disputes SEE Alternative dispute resolution Dissenting limited partner . Definition 9188, 9227, 9228 District banks . Application . . Deposit insurance 4341 . Comptroller of the Currency . . Conversion transactions 1263 . . Merger transactions 1258 . Definition 1065 District depository institutions . Removal or suspension of institution-affiliated party 1138 . Savings associations . . Branches 8710 . . Office of Thrift Supervision, Director 8724 District of Columbia funds . Insurance coverage . . Public unit account 2364 Diversified company SEE ALSO Registered diversified company . Definition 9298 Diversified savings and loan holding company . Definition 8726 . Interlocking relationship . . Unaffiliated depository institutions 4464 Divestiture . Bank holding company . . Debts previously contracted . . Foreign activities 7623 . . Interest in nonbank shares 6032, 6175 . Bank Holding Company Act . . Presumption of control . . Statement of policy 6175 . Delegated authority . . Federal Reserve banks 6191 . Foreign banks and banking . . Impermissible activities 7628.20 . FRB's Regulation K . . Investments 7622 . FRB's Regulation O . . Affiliates 4066 . . Insider indebtedness 4061 . . Lending limit 4061, 4066 . . Loans or extensions of credit to affiliates 4066 . . Rebuttable presumption of control 4066 . . Related interest 4066 . Insured state banks . . Equity investments 4833 . Savings associations . . Noninvestment grade securities 1350, 1352 . State savings associations . . Equity investments 1349 . Undercapitalized insured depository institution . . Corrective action 1436 . United States banking organization . . Investments 7622 Dividends SEE ALSO Stock dividends . Delegated authority . . Federal Reserve banks 6196 . . FRB Division of Banking Supervision and Regulation Director 6189 . Edge Corporation 7518 . Investment Company Act of 1940 . . Registered investment company 9317 . Registered transfer agent . . Inquiries 9436 . Savings and loan holding company . . Savings associations 8733, 8740.04 . Securities Exchange Act of 1934, section 16 exemption . . Securities transactions 9432.08 Division of Administration . Definition 2238.02 Division of Finance . Definition 2238.02 Document . Definition 2166.29, 8673.27 Document discovery . Adjudicatory proceedings 2137, 2148 . Fair housing 9800 Domestic . Definition 2846, 8484 Domestic branches . Definition 1070, 6988.28, 7628.05 . FRB's Regulation K . . Edge Corporation 7618 . Loan production office 4955 . Subsidiaries 4984.35 Domestic concerns . Definition 9265 Domestic financial agency . Definition 8383 Domestic financial institutions . Definition 8383, 8546.01 Domestic Housing and International Recovery and Financial Stability Act SEE International Lending Supervision Act of 1983 Domestic retail deposit activity . Definition 2856 Domestic violence . Definition 1529, 2735 Dormant or inactive accounts . FRB's Regulation CC . . Disclosure requirements 7418.09, 7418.65 Doubtful . Definition Downpayment . Definition 6644, 6879 . Truth in Lending Act . . Advertising 6588.14 Drafts or bills of exchange . Delegated authority . . Federal Reserve banks 6196 . . FRB Division of Banking Supervision and Regulation Director 6189 Dual-filed complaint . Definition 9754 Dual service . Brokerage service . . Bank employees 4684 . Savings and loan holding company . . Interlocking relationship 8593 . Savings associations 8594 . . Acquisition of control . . Merger transactions Due-on-sale clause . Definition 9535 . Real property loan . . Federal association 9537 . . Lender 9537 . . Limitations 9538 Duplication . Definition 2169, 8590.13, 8590.71 Dwelling . Definition 2647, 6567, 6644, 6879, 6883, 6987, 7222, 7272, 7288, 9655, 9733 Dwelling unit . Definition |
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