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Face amount . Definition 2242, 2262.02, 6120.02-D Face-amount certificate . Definition 9286 Face-amount certificate company . Definition 9297 . Investment Company Act of 1940 9326.02 Facilities SEE ALSO International banking facility OR Remote service facilities OR Temporary banking facilities . Definition 2946, 9174 Failed depository institutions . Definition 8550.31 Failed financial institutions SEE ALSO Banks in danger of failing OR Closed insured banks OR Closed insured depository institutions . Definition 8550.25 Failed institutions . Definition 2680, 8550.25 Failed member . Definition 8550.25 Failing bank SEE Banks in danger of failing Fair Credit Billing Act . Act 6588.16 . Billing errors . . Corrective action 6588.16 . Compliance . . Forfeiture 6590 . Consumer Credit Protection Act 6588.16 . Consumer report 6590 . Credit card . . Offsets 6590.02 . . Rights and liabilities of cardholder 6591 . . Surcharge 6590.02 . . Tying arrangements 6590.02 . Discount for prompt payment . . Cash 6590.02 . Effect on state laws 6592 . Notification . . Returns and refunds 6590.01 . Open end credit . . Billing period 6590.01 . . Credit balance 6590.01 . . Crediting of payment 6590.01 Fair credit reporting . Regulation 2410 . Medical information 2410 . . Disclosure of information 2414.01 . Disposal of consumer information 2414.02 Fair Credit Reporting Act . Act 6600 . Appraisals . . Credit transactions 6611 . Consumer report . . Accuracy 6610.19, 7196.04, 7196.10 . . Civil liability 6610.30, 7196.16, 7207 . . Compliance 6610.10, 7196.03 . . Disclosure requirements 6607, 6610.03, 6610.12 . . Disclosure to governmental agencies 6610.11, 7196.06 . . Disposal 6610.47 . . Disputes . . Employment purposes 7183, 7188, 7196.13, 7205 . . Enforcement 6610.31 . . Exclusions 6610.03, 7184 . . Fees or charges 6610.23, 7196.12 . . Financial institutions as consumer reporting agencies 7200 . . Financial institutions as users of consumer reports 7198 . . Information obtained under false pretenses 6610.31, 7196.17, 7207 . . Interpretations 7181 . . Jurisdiction of court 6610.31, 7196.16 . . Limitation of action 7196.16, 7207 . . National security investigation 6609 . . Noncompliance 7196.16, 7206 . . Obsolete information 7195 . . Penalties 7206 . . Permissible purposes 6607, 7188 . . Prescreening 7191 . . Public record information 6610.25, 7182, 7196.13 . . Unauthorized disclosure 6610.31, 7196.17, 7207 . . User requirements 6610.26, 7196.14, 7207 . Consumer reporting agency . . Disputed file 7196.10, 7203 . . Interpretations 7181, 7186 . Enforcement agency 6610.31, 7196.17 . FDIC Statement of Policy . . Consumer report 5337 . . Financial institutions 5337 . . Prescreening 5337 . Federal Trade Commission . . Administrative enforcement 6610.31, 8551 . Financial institutions as purchasers of dealer paper 7204 . Interpretations 7179 . Investigative consumer report . . Disclosure requirements 6610.10, 6610.44, 7196.01 . . Interpretations 7185 . . Restrictions 6610.26, 7196.14 . State laws 7196.17, 7206 . . Judicial review 6592.06 Fair Debt Collection Practices Act . Act 6616.01 . Annual report to Congress . . Federal Trade Commission 6624, 6624.20 . Comptroller of the Currency . . Enforcement agency for agencies of foreign banks 6623 . . Enforcement agency for federal branches 6623 . . Enforcement agency for national banks 6623 . Consumer Credit Protection Act 6616.01, 6624.05 . Debt collection . . 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 . Debt collector . . Civil liability 6622, 6624.19 . . Legal proceedings 6622, 6624.18 . . Unfair or deceptive acts or practices 6620, 6622, 6624.12, 6624.19 . Effective date 6624.20, 6625 . FDIC . . Enforcement agency for insured nonmember banks 6623 . . Enforcement agency for insured state branches of foreign banks 6623 . Federal Trade Commission . . Administrative enforcement 6623, 6624.20 . FRB . . Enforcement agency for branches of foreign banks 6623 . . Enforcement agency for Edge corporations 6623 . . Enforcement agency for state member banks 6623 . Office of Thrift Supervision . . Enforcement agency for savings associations 6623 . State laws . . Exemptions 6624.20, 6625 Fair housing . Advertising 7498.12 . . FRB's Regulation B 2647, 4420 . Complaints 9653 . . Administrative proceedings 6988.07, 9665, 9792 . . Civil remedies 6988.09, 6988.15, 9665 . . Conciliation 6988.07, 9662 . . Corrective action 5221, 9666 . . Dismissal 9663 . . Filing 9655 . . Financial institutions regulatory agencies 9661, 9666 . . Investigation 9660 . . Notice 9657, 9663, 9665 . . Reasonable cause 6988.09, 9663 . . Referral to other agencies 9210, 9658, 9666 . . Systemic discrimination 9660 . Compliance . . Controlled entity 2651 . . Marketing 9715 . Data compilation . . Form FR HMDA-LAR Loan/Application Register 2651, 4395 . . HUD 9775 . Discriminatory practices 7498.08 . . Corrective action 7498.17 . . Exemptions 6988.04, 7498.08 . . Testing 7498.16, 9783 . Enforcement 9655, 9753 . Equal housing lender . . Poster 2648, 2649, 9733 . Handicapped persons 7498.19 . . Accommodation 7498.22 . . New construction 7498.23 . . Property modification 7498.21 . Housing for older people 6988.04 . . Exemptions 7498.24 . Prohibitions 7498.10 . . Blockbusting 7498.13 . . Brokerage service 6988.04, 7498.14, 7498.15 . . Home mortgage loan 7498.14 . . Interference, coercion, or intimidation . . Real estate appraisals 7498.15 . . Residential real estate-related transactions 6988.03, 7498.10, 7498.11 . . Sale or rental of housing 6988.01, 7498.10, 7498.11, 7498.13 . Records maintenance and retention 2650 . Register 2651 . Rules of practice and procedure 9791 . . Administrative law judge 9793 . . Attorney fees 9812 . . Decision 9811 . . Discovery 9800 . . Evidence 9807 . . Ex parte communication 9793 . . Hearing procedures 9806 . . Judicial review 9812, 9813 . . Parties 9795 . . Penalties 9809 . . Subpoena 9806 . . Witnesses 9808 Fair Housing Act . Act 6987 . Administrative enforcement . . Attorney General 6988.15 . . Civil action 6988.08, 6988.14 . . Conciliation 6988.06 . . Conciliation agreement 6988.08 . . Disclosure of information 6988.08 . . Private persons 6988.14 . . Reasonable cause 6988.09 . . Referral to other agencies 6988.08 . . Secretary of Housing and Urban Development 6988.11 . . Service charges 6988.10 . Discriminatory practices . . Brokerage service 6988.04 . . Exemptions 6988.04 . . Financing of housing 6988.01 . . Housing for older people 6988.04 . . Residential real estate-related transactions 6988.03 . . Sale or rental of housing 6988.01 . Effect on state laws 6988.16 . Equal Credit Opportunity Act . . Violation 6616 . FDIC Statement of Policy . . Corrective action 5221 . HUD regulations 7498.07, 7498.21, 9753 . . Administrative proceedings 9791 . . Complaint processing 9653 . . Data compilation 9775 . . Discriminatory practices 7498.07 . . Fair housing poster 9733 . Interference, coercion, or intimidation . . Civil action 6988.16 . Local community . . State liaison 6988.16 . Policy 6987 . Prohibitions . . Effective date 6987 . Secretary of Housing and Urban Development . . Administrative procedure 6988.05, 6988.11 . . Conciliation 6988.07 . . Evidence 6988.10 . . Rules and regulations 6988.16 . . Subpoena 6988.10 . . Witness fees 6988.10 . Separability of provisions 6988.17 . Willful violation . . Criminal penalties 6988.10 Fair Housing Act Matters . Definition 9792 Fair Housing Assistance Program . Fair housing enforcement organization . . Funding 9763 Fair housing enforcement organization . Certification 9753 . Definition 9781 . Funding . . Fair Housing Assistance Program 9763 Fair Housing Initiatives Program . State or local housing agencies 9781 . . Administration 9782 . . Application procedure 9782 . . Education initiative 9783 . . Enforcement initiative 9783, 9784 . . Testing 9783 Fair housing poster SEE ALSO Equal housing lender . Definition 9733 False advertising SEE Falsification of book, record, report, account, or statement Falsification of book, record, report, account, or statement . Civil liability . . Prospectus 8990 . . Registration statement 8987, 8990 . . Securities Exchange Act of 1934 9240.04 . Fair Debt Collection Practices Act . . Debt Collection 6619, 6624.12 . Investment Company Act of 1940 9337 . Unfair or deceptive acts or practices . . Cosigner liability 7412, 7412.11 Familial status . Definition 2647, 6988 Family . Definition 6987, 9733 Family member . Definition 5415 Family relationship . Interlocking relationship . . Management official 4052 . . Representative or nominee 4067 Farm product SEE ALSO Agricultural products . Definition 8670 . Food Security Act of 1985 8669 FBI . Financial institutions . . Financial record 7103 FDI Act . Act 1051 . International Lending Supervision Act of 1983 . . Capital adequacy 8803 FDI Act, section 8(c) . Adjudicatory proceedings . . Cease-and-desist order 2157 FDI Act, section 10(c) . Investigation . . Adjudicatory proceedings 2163 . . Confidentiality of record 2164 . . Powers 2163 . . Subpoena 2164 . . Transcript 2164 . . Witnesses 2164 FDI Act, section 19 SEE ALSO Felony . Application . . FDIC Statement of Policy 5155 . Bank holding companies . . Authority of the board 1292 . Contractors 4512.01, 4639 . Convicted corporations 4512.01 . Currency transactions . . Reporting requirements 4860 . Employment, insured depository institutions . . Convicted individual 1291, 4426, 5155 . . Crimes and dishonesty 4431 . . Temporary employees 4740 . FDIC Statement of Policy 5155 . Felony . . Adjudicatory proceedings 2166.01 . . Application 2166.02 . . Denial 2166.02 . . Hearing 2166.02 . . Institution-affiliated party 2166.01, 4734 . . Pardon 4862 . . Retail theft 4865 . Fingerprinting 4512.01 . Pretrial diversion 4863, 4865 . Savings and loan holdg companies . . Authority of the director 1292 FDI Act, section 24 . Insured state banks . . Equity investments 4833 . . Insurance activities 4984.22 FDI Act, section 29 . Brokered deposits . . FDIC receiver or conservator 4427 . . RTC receiver or conservator 4427 . . Undercapitalized insured depository institution 4432 . Employee benefit plan . . Notice 4809 FDI Act, section 39 . Standards 3165 Fdi act, section 49 . Bi-annual fdic survey and report on encouraging use of depository institutions by the unbanked 1541 FDI act, section 50 . Enforcement of agreements . . Receiverships and conservatorships 1541 FDIC SEE ALSO Chairman of FDIC Board of Directors OR Chairman of FDIC Board of Directors OR Subrogation of FDIC . Affordable housing program 1475 . Annual report to Congress 1247 . Appointment . . Claim agent 1171 . . Examiners 1171 . Assessment rates . . Authority 1114 . Audit 1247 . . Federal Banking Agency Audit Act 1248 . . Report to Congress 1247 . Audit authority . . General Accounting Office 1247, 1248 . Borrowing 1239 . . Authority 1233 . . GAO audit, review, or report 1240 . . Public debt transaction 1233 . Clearing agency 9240.01 . Condition report 1111 . Conversion transactions 1263 . Creation 1051 . Criminal laws and procedures . . Conversion transactions 4269 . . Loans from Treasury 1233 . Definition 3193, 3206 . Disclosure of information 2167 . Emergency Homeowners' Relief Act . . Advances . . Mortgage foreclosure proceedings 8547 . Employees . . Qualified handicapped persons 2947 . . Responsibilities and conduct 2607 . Enforcement agency for insured nonmember banks . . Consumer Credit Protection Act 6571 . . Depository Institution Management Interlocks Act 2870, 8595 . . Electronic Fund Transfer Act 6635 . . Emergency Homeowners' Relief Act 8547 . . Equal Credit Opportunity Act 4279, 6613 . . Expedited Funds Availability Act 7428.07 . . Fair Debt Collection Practices Act 6623 . . Federal Trade Commission Act 8569 . . Financial recordkeeping and reporting of currency and foreign transactions 8510 . . FRB's Regulation AA 7410, 7412.03 . . FRB's Regulation B 7223 . . FRB's Regulation CC 7418.02 . . FRB's Regulation M 6699 . . FRB's Regulation Z 6678.28, 6984 . . Home Mortgage Disclosure Act of 1975 7306 . . Missing, lost, counterfeit, or stolen securities 9234.01 . . Securities Exchange Act of 1934 9178 . . Truth in Lending Act 6571, 6643 . Enforcement agency for insured state branches of foreign banks . . Consumer Credit Protection Act 6571 . . Electronic Fund Transfer Act 6635 . . Equal Credit Opportunity Act 6613 . . Fair Debt Collection Practices Act 6623 . . Home Mortgage Disclosure Act of 1975 7306 . Ethics counselor . . Contractor suspension 3207 . Examination report . . Appropriate regulatory agency 1111 . Federal Financing Bank . . Bank Insurance Fund (BIF) 1233 . . Borrowing authority 1233 . . Savings Association Insurance Fund (SAIF) 1233 . Federal Register 2168 . Federal Trade Commission Act . . Annual report to Congress 8569 . . Consumer affairs division 8568 . Financial assistance 1219 . . Annual report to Congress 1220 . . Depositor rights 1220 . . Least-cost resolution 1220 . . Lowest acceptable offer 1224 . . Merger transactions 1219 . . Systemic risk 1221 . . Tax deferral 1222 . Forms and instructions . . Secretary of the Treasury 1243 . FSLIC Resolution Fund . . Duties 1201 . . Powers 1201 . Full faith and credit 1241 . Handicapped persons . . Facilities 2947, 2948 . . Nondiscrimination 2947 . Information availability and management . . Appeals 2175 . . Disclosure of information 2167 . . Exempt records 2174, 2175 . . Fees or charges 2172, 2173 . . Freedom of Information Act 2167 . . Internet requests 2168 . . Nondiscrimination . . Request procedures 2169 . . Service of process 2180 . Insured depository institutions . . Administrative enforcement 1148 . International Lending Supervision Act of 1983 . . Committee on Banking Regulations and Supervisory Practices of the Group of Ten Countries and Switzerland 8806 . Investment of corporate money 1219 . Minority and women outreach program 3089 . . Contract 3089 . Mortgage portfolio study . . Interagency task force 8538 . Mutual savings banks . . Report of assets and liabilities 7509 . Net worth certificates . . Qualified institution 1226 . Obligations 1239 . Official sign . . Insured banks 1257, 2297, 4495, 4541, 4616, 4623, 4742 . . Mandatory use 2298 . . Savings associations 1257, 2297, 4541 . Official statement . . Billboard advertising 2300 . . Deposit insurance 1257, 2299 . . Mandatory use 2299 . . Non-English equivalent 2300, 4924 . . Savings associations 1257 . Powers 1051, 1155 . . Borrowing from Treasury 1226, 1233 . . Examination 1171 . . FSLIC Resolution Fund 1201 . . Loans from Treasury 1233 . . Neighborhood Reinvestment Corporation 8763 . Programs and activities . . Evaluation 2947 . . Nondiscrimination 2945 . Public debt transaction . . Loans from Treasury 1233 . Records maintenance and retention . . Evidence 1172 . Rehabilitation Act of 1973, Section 504 . . Compliance 2949 . . Nondiscrimination 2945 . Report to Congress . . Activities 1249 . . Assets 1249 . Reports and reporting requirements . . Bank Insurance Fund (BIF) 1247 . . FSLIC Resolution Fund 1247 . . Office of Management and Budget 1247 . . Savings Association Insurance Fund (SAIF) 1247 . Rules and regulations . . Municipal securities dealer 2187 . . Review 5057 . Savings banks 8712 . . Report of assets and liabilities 7509 . Securities Exchange Act of 1934 . . Securities transactions 9203 . System of records . . Administrative and Personnel Action Records 2207 . . Affordable Housing Program Records 2226.14 . . Attorney--Legal Intern Applicant Records 2203 . . Chain Banking Organizations Identification Records 2215 . . Changes in Bank Control Ownership Records 2208 . . Consumer Complaint and Inquiry Records 2210 . . Corporate Recruitment Tracking Records 2220 . . Employee Confidential Financial Disclosure Records 2211 . . Employee Medical and Health Assessment Records 2226.03 . . Employee Training Information Records 2214 . . Financial Information Management Records 2222 . . Financial Institutions Investigative and Enforcement Records 2204 . . Fitness Center Records 2226.10 . . Freedom of Information Act and Privacy Act Request Records 2226.11 . . Grievance Records 2226.05 . . Insured Bank Liquidation Records 2224 . . Investigative Files of the Office of the Inspector General 2217 . . Potential Bidders List 2226.07 . . Professional Qualification Records for Municipal Securities Dealers, Municipal Securities Representatives and U.S. Government Securities Brokers . . Telephone Call Detail Records 2226.08 . . Unclaimed Deposit Account Records 2226.15 . . Unofficial Personnel System 2226.01 . Tax exempt . . Obligations 1239 FDIC Board of Directors . Acting Chairperson 1061 . Adjudicatory proceedings 2141, 2145 . Chairman . . Term of office 1061 . Comptroller of the Currency 1061 . Membership 1061 . Office of Thrift Supervision, Director 1061 . Political party affiliation 1061 . Restrictions 1062 . Rules of practice and procedure . . Authority 2129 . Term of office 1061 . Vice Chairperson 1061 FDIC cutoff point . Definition 3088.01 FDIC Division of Supervision . Regional office addresses 2226.17 FDIC Division of Supervision Director . Delegated authority . . Registered securities 2424 . . Registered transfer agent 2707 FDIC Executive Secretary . Adjudicatory proceedings 2146 . Contractors . . Ethics counselor 3207 . Rules of practice and procedure . . Authority 2146 . Service of process on FDIC 2180 FDIC Form 3 - Initial Statement of Beneficial Ownership of Securities . Filing requirement 2419 FDIC Form 4 - Statement of Changes in Beneficial Ownership of Securities . Filing requirement 2419 FDIC Form 5 - Annual Statement of Beneficial Ownership of Securities . Filing requirement 2419 FDIC General Counsel's opinion . Deposits 5558 . . Bank Holding Company Act 5563 . . Deposit insurance 5558 . . Guidance 5559 . . Trust funds 5558 . FICO funding sources 5542 . Insured nonmember banks . . Brokerage service 4984.28-A, 5522 . . Discount brokerage service 5522 . Interest rates limitation and regulation . . Interstate banking 5551 . . Loans or extensions of credit 5549 . Municipal bonds . . Insurance coverage 5521 . Stored value cards 5534 FDIC Improvement Act of 1991 . Act 8549 . Bank Enterprise Act of 1991 8550.02 . . Assessment credits 8550.04 . . Assessment rates 8550.03 . . Community development bank 8550.08-C . . Community development organization 8550.08-B . . Community Enterprise Assessment Credit Board 8550.08 . . Lifeline accounts 8550.03 . . Qualified distressed community 8550.04 . . Study 8550.02 . Branch closure . . Notice 4613 . Credit crisis . . United States Congress 8550.32 . Entrance or exit fees . . Assuming depository institution 4622 . . Conversion transactions 4619 . Extensions of credit . . Disclosure requirements 8550.22 . . Insider transactions 4624, 4634, 4636, 4641, 4642, 4644, 4646, 4845, 8550.22 . Failed financial institutions . . Employee health insurance 8550.31 . Insurance coverage . . Decedent account 4703 . . Deposits 8550.22, 8550.31 . . Employee benefit plan 4615, 4629, 4776 . . Individual retirement account 4785 . . Notice to depositors 4772 . . Passthrough accounts 8550.22 . . Reinsurance 8550.23 . . Rules and regulations 8550.31 . . Study 8550.22-B . . Trust account 4710 . Insured depository institutions . . Bank Insurance Fund (BIF) 8549 . Least-cost resolution 8549 . . Early resolution 8550.01 . Payments system . . Clearing organization 8550.24 . . Financial institutions 8550.24 . . Financial transaction 8550.24 . . Netting 8550.24, 8550.26, 8550.27 . Regulatory burdens . . Study 8550.02 . Regulatory improvement 8549 . . Foreign Bank Supervision Enhancement Act of 1991 8550.01 . . Foreign banks and banking 4614, 8550.02 . Report to Congress . . Consumer 8550.02 . . Early resolution 8550.01 . . Foreign Bank Supervision Enhancement Act of 1991 8550.02 . . Insurance coverage 8550.22-A . . Reserve requirements 8550.28-B . Reserve requirements . . Study 8550.23 . Rhode Island . . Financial assistance 8550.29 . Supervisory reform 8549 . . Examination 8549 . . Safe and sound banking practices 8549 . . Small business 8550 . . Small farm 8550 . Truth in Savings Act 7477 . . Account schedules 7479 . . Administrative enforcement 7483 . . Civil liability 7484 . . Credit union . . Disclosure requirements 7477 . . Effect on state laws . . Interest 7481 . . Rules and regulations 7482 FDIC Office of Diversity and Economic Opportunity . Minority and women owned business . . Minority and women outreach program 3089 FDIC receiver or conservator SEE ALSO Receivership and liquidation . Administrative expense . . Priorities 3084 . Administrative procedure . . Disclosure requirements 1191 . Appointment . . FRB 7509 . . Grounds 1188.03 . . Self-appointment 1188.05 . Assets liquidation . . Commercial property 1192 . . Economic impact 1188.18-A . . Homeless families 1192 . . One-to-four family residential property 1192 . . Prohibited purchasers 1189 . Attachment of assets 1188.13 . . Court order 1188.12-B . Authority 1051 . Bondholder . . Liabilities 4520 . . Payment 4520 . Brokered deposits . . FDI Act, section 29 4427 . . Restrictions 1359 . Claims . . Appeal 1190 . . Default 1188.19 . . Depositor preference 1188.12, 4825 . . Disallowance 1188.08 . . Disposition of assets 1188.12-A . . D'Oench doctrine 5427 . . Jurisdiction of court 1188.20 . . Payment 1188.19 . . Priorities 3084 . . Review 1188.10 . . Rule making 1188.08 . . Statute of limitations 1188.10, 1188.12-A . Closed insured depository institutions . . Agent appointed by FDIC 1207 . . Assets purchased by FDIC 1222.01 . . Bridge banks 1188.22, 1188.27 . . Collateral 4423, 4537, 4726 . . Depository institution holding company 1188.25, 1188.26 . . Directors and officers liability 1188.20 . . Financial assistance 1188.25 . . Liquidation fees, expenses, and compensation 1207 . . Loans by FDIC 1222.01 . . Minority organization 1224 . . New banks 1188.20 . . Offsets 1207, 4527 . . Payment of insured deposit 1207 . . Payment of transferred deposit 1207 . . Powers 1188.24 . . Proof of claim 1188.15 . . Security interest 4423 . . State property laws 1208 . . Subrogation of FDIC 1188.18-A . . Surety bond 1207 . . Swap transactions 4391 . . Termination of operation 1188.26, 1189 . . United States deposit 1208 . . Unposted credits or debits 4914 . Concealment of assets 8296 . Conflict of interest 1209 . Contract 1188.13 . . Lease transactions 1188.13 . Contractors . . Disapproval 1209 . Convicted individual . . Purchase prohibition 1189 . Disclosure of information . . Privilege 1191 . Duties . FDIC Statement of Policy . . Collateralized letters of credit 5411 . . Collateralized put option 5335 . . Mortgage foreclosure proceedings 5359 . . Property taxes 5331 . . Qualified financial contracts 5113 . . Right of rescission 5377 . Federal savings associations . . Office of Thrift Supervision, Director 8705 . Financial assistance . . Prior to appointment 1222.01 . Foreign banks and banking 1226 . . Assets 8788 . Foreign financial regulatory authority . . Investigation 1191 . Futures, forward, and standby contracts . . Foreign currency transactions 4351 . Insured deposit transfer . . Liabilities discharged 1207 . Jurisdiction of court 1188.11, 1188.20 . Loan participations . . Offsets 4159 . Payment of insured deposit 1188.14, 1207 . . Proof of claim 1188.15 . Powers 1207 . . Bridge banks 1188.24 . . Merger transactions 1188.07 . . New banks 1188.07, 1188.20 . . Transfer of assets and liabilities 1188.07 . Qualified financial contracts . . FDIC Statement of Policy 5113 . . Subrogation of FDIC 1188.18-A . Receivership and liquidation . . Assets liquidation 4169 . . Collateral 4425 . . Edge Corporation 7518 . . Federal agency 8788 . . Federal branches 8788 . . Recordkeeping requirement 1188.12-A . . Reports and reporting requirements 1188.12-A . . Repurchase agreements 4325 . . Savings associations . . Subrogation of FDIC 1188.18-A . Subpoena . . Authority 1188.07 . Tax exempt 1239 . Tax implications . . Property taxes 4556, 5331 . Termination of insurance . . Insured federal savings banks 1146 . . National member banks 1146 . Transfer of assets and liabilities . . Fraudulent and manipulative practices 1188.12-B FDIC regional offices - bank supervision . Addresses 2226.17 FDIC Statement of Policy . Administrative enforcement . . Interagency notice 5075 . Allowance for loan and lease losses 5452.01, 5453 . Alternative dispute resolution 5381 . Application . . Deposit insurance 5349 . . Insured banks 5213 . . Risk to insurance fund 1105 . Appraisals . . Real estate-related financial transactions 5463 . Arbitration . . Binding 5383 . Bank Bribery Amendments Act of 1986 . . Guidelines 5289 . Bank holding company . . Income tax 5475 . Bank stock . . Offering circular 5061 . Branch closure . . Notice 5391 . Capital adequacy 2262.07 . Civil money penalties 5201 . Commonly controlled depository institutions . . Liabilities 5327 . Competitive factor report . Composite rating . . Financial institutions 5079 . Consumer credit . . Classification . Covered bond . . Covered bond policy 5197 . Deposit insurance . . Application procedure 5349 . Depository institutions . . Basic financial services 5271 . Derivative securities . . Risk management 5437 . D'Oench doctrine 5427 . Environmental risk program 5471 . Equal Credit Opportunity Act . . Corrective action 5221 . Examination coordination 5077 . External auditing program 5299 . . Examination coordination 5367 . Fair Credit Reporting Act . . Consumer report 5337 . . Financial institutions 5337 . . Prescreening 5337 . Fair Housing Act . . Corrective action 5221 . FDI Act, section 19 5155 . FDIC receiver or conservator . . Collateralized letters of credit 5411 . . Collateralized put option 5335 . . D'Oench doctrine 5427 . . Property taxes 5331 . . Qualified financial contracts 5113 . . Right of rescission 5377 . Federal Financial Institutions Examination Council . . Basic financial services 5271 . . Civil money penalties 5201 . . Competitive factor report . . Corrective action 5221 . . Prescreening 5337 . . Repurchase agreements 5265 . . Securities loans 5249 . . Uniform interagency consumer compliance ratings 5213 . Gold 5035 . Interagency advisory on the unsafe and unsound use of limitation of liability provisions in external audit engagement letters . Interagency guidance on nontraditional mortgage product risks 5485 . Interagency statement on sound practices concerning elevated risk complex structured finance activities 5376.01 . . Alternative dispute resolution agreements and jury trial waivers 5365.03 . . Auditor independence 5365.02 . Internal auditing . . Outsourcing 5368.01 . Investment securities . . Risk management 5437 . Lease transactions 5413 . . Lessor integrity 5415 . Liabilities . . Exemptions 5327 . Loan documentation . . Small business or farm 5373 . Management responsibilities . . Directors and officers liability 5369 . Merger transactions 5145 . Minority-owned depository institutions 5329 . Mortgage foreclosure proceedings . . FDIC receiver or conservator 5359 . National Environmental Policy Act of 1969 . . Bank establishment or relocation 5185 . National Historic Preservation Act of 1966 . . Bank establishment or relocation 5175 . Nondeposit investment products . . Retail sales 4984.40, 5443 . Nontraditional mortgages . . Interagency guidance on nontraditional mortgage product risks 5485 . Qualified financial contracts . . FDIC receiver or conservator 5113 . Registered securities . . Offering circular 5061 . Repurchase agreements 5265 . Risk-based capital 2256 . Rules and regulations . . Development 5057 . Subprime lending 5479 . . Illustrations of consumer information for hybrid adjustable rate mortgage product 5498.01 . Subprime mortgage lending 5495 . Truth in Lending Act . . Restitution 5049 . Uniform financial institutions rating system . . Composite CAMELS rating 5079 Federal agency SEE ALSO Branch or agency of a foreign bank . Definition 7498, 7628.05, 8785 Federal agency lender . Definition 7498 Federal Agricultural Mortgage Corporation . Insured state banks . . Permissible investments 4788 Federal aid to navigation . Definition 8822.35 Federal bank regulators . Definition 2708 Federal banking agencies . Definition 1073, 1269, 1402, 8799, 2608, 2844.03, 2864.04, 6605, 7492, 7628.25, 8550.03, 8550.21, 8673.12, 8673.22, 8673.30, 8695, 8890.01, 9228.10, 9236 Federal Banking Agency Audit Act . Act 1248 . FDIC . . Audit 1248 Federal benefit program . Definition 8031 Federal branches SEE ALSO Branch or agency of a foreign bank . Definition 1071, 2068.04, 2857, 7628.05, 8785 Federal Bureau of Investigation SEE FBI Federal Claims Collection Standards . Definition 2238.02 Federal Consumer Leasing Act SEE Consumer leases OR FRB's Regulation Z OR Truth in Lending Act Federal credit union . Definition 8307, 9535 . Enforcement agency . . Federal Trade Commission Act 8569 Federal Deposit Insurance Act SEE FDI Act Federal Deposit Insurance Corporation SEE FDIC Federal deposit insurance fund . Definition 2608 Federal depository institutions . Definition 1066 Federal disaster relief assistance . Special flood hazard . . Notice 2664.02 . Time deposits . . Delegated authority 6184 . . Payment before maturity 6184 Federal Election Campaign Act Amendments of 1976 . Act . Political contributions . . National banks 8531 Federal Emergency Management Administration . National flood insurance program . . Special flood hazard 2665, 4913, 7497 Federal entity for lending regulation . Definition 7498 Federal financial assistance . Definition 9549, 9792 Federal Financial Institutions Examination Council SEE ALSO Appraisal Subcommittee (FFIEC) . Annual report to Congress 8598 . Appraisal Subcommittee (FFIEC) . Authority 8590.11 . Central data repository . . Home Mortgage Disclosure Act of 1975 7309 . . Riegle Community Development and Regulatory Improvement Act of 1994 8890.16 . Creation . . Membership . Disclosure of information 8590.12 . . Federal financial institutions regulatory agencies 8598 . . Fees or charges 8590.13 . Discriminatory practices . . Joint Statement of Policy 5065 . Expenses . . Assessment 8597 . FDIC Statement of Policy . . Basic financial services 5271 . . Civil money penalties 5201 . . Competitive factor report . . Corrective action 5221 . . Financial institutions 5337 . . Prescreening 5337 . . Repurchase agreements 5265 . . Securities loans 5249 . . Truth in Lending Act 5049 . . Uniform interagency consumer compliance ratings 5213 . Flood insurance 8598 . Forms and instructions . . Form FFIEC 002 Report of Assets and Liabilities of U.S. Branches and Agencies of Foreign Banks 2069 . Organization 8590.11 . Risks . . Employee training . State liaison 8598 . Uniformity . . Standards 8597 . . Terminology 8890.01 Federal Financial Institutions Examination Council Act of 1978 . Act . Annual report to Congress 8598 . Financial Institutions Regulatory and Interest Rate Control Act of 1978 (FIRA) or (FIRIRCA) Federal financial institutions regulatory agencies . Definition Federal Financing Bank . FDIC . . Borrowing authority 1233 Federal functional regulator . Definition 2392, 8390, 8394, 8398, 8516.06, 8516.06-C, 8516.06-D, 8516.08-B, 8516.08-E, 8516.08-J, 8673.22 Federal funds transactions . Bank failure . . Correspondent banks 4585 . Exempt institutions . . Interdepository institutions loan participations 7586.16 . . Purchase and sale 7586.16 . Loan participations . . Exempt institutions 7586.16 . . Interdepository institutions 7586.16 . . Investment company 7586.13 . . Trust account 7586.13 Federal Home Loan Bank Board . Conversion transactions . . Deposit insurance 4269 . Financial recordkeeping and reporting of currency and foreign transactions . . Enforcement agency 8510 Federal Home Loan Bank Board checks . FRB's Regulation CC . . Next-day availability 7418.03, 7418.50 Federal Home Loan Banks . Membership 8708 . Receivership and liquidation . . Security interest 3083 . Time deposits . . Insurance coverage 4984.23 Federal Housing Finance Board . FDIC . . Condition report 1111 . . Examination report 1111 Federal Land Bank Association . Depository Institution Management Interlocks Act . . Depository institutions 4360 Federal National Mortgage Association . Insured deposits . . Minority-owned depository institutions 4729 Federal national mortgage association, federal home loan mortgage corporation, federal home loan banks . Definitions . . Federal home loan bank 9276 . . Federal home loan bank and member 9276 . . Federal national mortgage association 9276 . . Federal home loan mortgage corporation 9276 Federal personnel . Definition 8031 Federal Register . Agency . . Disclosure requirements 8024 . . Information availability and management 8024 . FDIC 2168 . Proposed rules . . Public comment 8054 . Regulatory Flexibility Act . . Regulatory agenda 8051 . . Regulatory flexibility analysis 8051, 8052 . Sunshine Act . . Public announcement 2229, 2230 Federal Reserve Act . Act 7509 Federal Reserve Act, section 22(g) . Home equity plans . . Executive officer 4687 Federal Reserve Act, section 22(h) SEE ALSO Insider transactions . Affiliates . . Credit union 4112 . FRB's Regulation O . . Records maintenance and retention 4093, 4104 Federal Reserve Act, section 23A SEE Banking Affiliates Act of 1982 OR FRB's Regulation W OR Loans or extensions of credit to affiliates OR Transactions with affiliates Federal Reserve Act, section 23B SEE Banking Affiliates Act of 1982 OR FRB's Regulation W OR Loans or extensions of credit to affiliates OR Transactions with affiliates Federal Reserve Act, section 25(a) SEE Edge Corporation Federal Reserve banks . Delegated authority 6190.02 . . Acquisition of control 6185, 6193 . . Administrative enforcement 6191 . . Assistant Federal Reserve agents 6192 . . Bank holding company . . 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 . FDIC . . Condition report 1111 . Overdrafts . . Affiliates 6110.16 Federal Reserve Board SEE FRB Federal Reserve Board checks . FRB's Regulation CC . . Next-day availability 7418.03, 7418.50 Federal Reserve note . Criminal laws and procedures . . Issuance 8284 Federal Reserve System withdrawal . Delegated authority 6196 . Insured status continuation 2055, 4618 Federal Savings and Loan Insurance Corporation . FSLIC Resolution Fund . . Transfer of funds 1201 . Insurance coverage . . Pension plan 4393, 4406, 4422, 4457, 4458, 4474 . Profit sharing plan . . Tax deferral plan 4412 Federal savings association . Definition 8181 Federal savings associations SEE ALSO Savings associations OR State savings associations . Acquisition . . Insured depository institutions 8740.06 . Activities . . Grandfather provisions 8709 . Capital standards . . Office of Thrift Supervision, Director 8715 . Conversion transactions 8710 . . Mutual savings banks 8713 . . Savings associations 8708 . Definition 1065, 8695, 9535 . Equity investments . . Mortgage-backed securities 4930 . Mutual savings banks . . Conversion transactions 8713 . Office of Thrift Supervision, Director 8699 . . Administrative enforcement 8704 . . Capital certificates 8700 . . Charter 8699 . . FDIC receiver or conservator 8705 . . Federal savings banks 8699 . . Investments 8701 . . Liabilities 8700 . . Loans from state housing finance agencies 8700 . . Loans or extensions of credit 8701 . . RTC receiver or conservator 8705 . . Rules and regulations 8706 . . Supervision 8699 . Out-of-state branches 8714 . Real property loans . . Due-on-sale clause 9537 . Savings associations . . Conversion transactions 8708 . State savings associations . . Permissible investments 4455 . Trustee 8711 Federal savings banks SEE ALSO Insured federal savings banks . Conversion transactions . . State savings banks 8712 . FDIC . . Appropriate federal banking agency 8712 . Federal savings associations . . Office of Thrift Supervision, Director 8699 . Interstate banking . . Branch establishment, operation, or relocation 8714 . Tying arrangements . . Recordkeeping requirement 4394 Federal securities . Retail repurchase agreements . . FDIC Statement of Policy 5265 . . FRB's Regulation D 7586.14 Federal supervisory agency . Definition 8073 Federal Trade Commission . Administrative enforcement . . Electronic Fund Transfer Act 6635 . . Equal Credit Opportunity Act 6613 . . Fair Credit Reporting Act 6610.31, 7196.17, 8551 . . Fair Debt Collection Practices Act 6623, 6624.05 . . Federal Trade Commission Act 8551 . . FRB's Regulation B 7223 . . FRB's Regulation Z 6571 . . Gramm-Leach-Bliley Act 8673.25 . . Truth in Lending Act 6571 . Annual report to Congress . . Fair Debt Collection Practices Act 6624, 6624.20 . Noninsured institutions 1510 . Private deposit insurer 1510 . Rule making 8551 . . Compensation 8569 . Unfair method of competition . . Cease-and-desist order 8551 . . Complaints 8551 Federal Trade Commission Act . Act 8551 . Cease-and-desist order . . Judicial review 8552 . Comptroller of the Currency . . Annual report to Congress 8569 . . Consumer affairs division 8568 . . Enforcement agency for district banks 8569 . . Enforcement agency for national banks 8569 . Court proceedings . . Jurisdiction of court 8552 . FDIC . . Annual report to Congress 8569 . . Consumer affairs division 8568 . . Enforcement agency for insured banks 8569 . Federal credit union . . Enforcement agency 8569 . Federal Trade Commission . . Cease-and-desist order which has become final 8552 . . Enforcement agency 8551 . FRB . . Annual report to Congress 8569 . . Banks 8568 . . Consumer affairs division 8568 . . Enforcement agency for state member banks 8569 . . Rules and regulations 8568, 8569 . Office of Thrift Supervision . . Enforcement agency for savings associations 8569 . Rule Concerning Preservation of Consumers' Claims and Defenses . . Exemptions 7163 . Unlawful practices . . Unfair method of competition 8551 . . Unfair or deceptive acts or practices 8551, 7163 . Violation . . Penalties 8554 Federal Trade Commission Trade Regulation Rule Concerning Preservation of Consumers Defenses SEE Rule Concerning Preservation of Consumers' Claims and Defenses Federally-related loans . Definition 9527 . State usury laws . . Preemption of state lending restrictions 9528 Federally related mortgage loans SEE ALSO Home mortgage OR Real Estate Settlement Procedures Act of 1974 OR Reverse mortgage . Affiliated business arrangement 7006 . . Disclosure requirements 7044 . . Referral 7006 . Definition 6992, 7071 . Escrow account 7008 . Good faith estimate 6998 . . Home equity plans 7000 . Housing assistance programs 9703 . . Discriminatory practices 9703, 9705 . . Federal financial assistance 9703, 9706, 9709 . HUD-1 Uniform Settlement Statement 7000 . . Instructions 7026 . . Preparation fees 7003 . . Records maintenance and retention 7003 . HUD-1A Settlement Statement 7000 . . Instructions 7032 . Identity of person . . Insured depository institutions 1327 . . Reports and reporting requirements 1327 . Kickback 7004, 7079 . Loan servicing . . Damages 7077 . . Deposit broker 4689 . . Disclosure requirements 7021, 7074 . . Effect on state laws 7078 . . Inquiries 7076 . . Model forms 7023 . . Notice by transferee 7076 . . Notice by transferor 7075 . . Transfers 7013 . Refinancing . . Real estate appraisals 4617 . Residential mobile home . . Balloon payment 9530 . . Deferral fees 9531 . . Late payment charges 9530 . . Prepayment penalty 9530 . . Rebate of precomputed finance charges 9530 . . Repossession, foreclosure, or acceleration 9531 . . State laws 9529 . RESPA 7071 . . Escrow account 7081 . . HUD's Regulation X 6991 . Savings associations . . Office of Thrift Supervision, Director 8699 . Settlement services 7071 . . Enforcement 7020 . . Exceptions 6996 . . Good faith estimate 6998, 7042 . . Interpretations 6996 . . Relation to state laws 7003 . . Rules and regulations 6996 . Title company 7008, 7081 . Violations . . Examples 7038 Federally-related transactions . Appraisals . . Violation . Definition 2239, 5465, 6110.20 Fedwire . Definition 7418 Fees and other expenses . Definition 8022.01 Fees or charges SEE ALSO Agency fees OR Charges other than finance OR Commitment fees OR Deferral fees OR Entrance or exit fees OR Finance charges OR Late payment charges OR Legal fees OR Management fees OR Unearned fees . Adjudicatory proceedings 2166.07 . Administrative procedure . . Adversary adjudication 8022.01 . Appraisers . . Appraisal Subcommittee (FFIEC) 8590 . . State appraiser certifying and licensing agency 8590.01 . . Temporary practice . Consumer report 6610.23, 7196.12 . Customer . . Deposit insurance 4541 . Depositor . . Deposit insurance 4511 . Disclosure of information . . Appraisal Subcommittee (FFIEC) 8590.13, 8590.72 . . Federal Financial Institutions Examination Council 8590.13 . Disclosure requirements . . Automated teller machines 6628 . . Charge card 6585 . . Checking accounts 4958 . . Credit card 6585 . . Deposit accounts 7477, 7479 . . Home equity plans 6902.08 . Examination 1174 . . Affiliates 1174 . . Civil money penalties 1174 . FDIC . . Information availability and management 2172 . Flood Disaster Protection Act of 1973 7498.04 . Freedom of Information Act . . Limitations 8025 . International Lending Supervision Act of 1983 . . Appropriate federal banking agency 8802, 8803 . International loan . . Accounting 7630 . . Restructured loan 7630 . Privacy Act of 1974 . . Agency records 2192, 8590.58 . Proceedings . . Copies availability 8025 . RESPA . . Uniform settlement statement 7003 . Savings associations . . Affiliates 8724 . . Examination 8724 . Securities and Exchange Commission . . National securities exchange 9188.02, 9269 . . Proxy solicitation 9215 Felony SEE ALSO Crimes and dishonesty . FDI Act, section 19 . . Adjudicatory proceedings 2166.01 . . Application 2166.02 . . Control of a company or bank 2166.01, 4734 . . Decision 2166.03 . . Denial 2166.02 . . Hearing 2166.02 . . Institution-affiliated party 2166.01 . . Participant in bank affairs 2166.01 . Participation in bank affairs prohibited . . Adjudicatory proceedings 2166.03 . . Notice of suspension or prohibition 2166.04 . . Order of prohibition 2166.04 . . Order of removal 2166.04 . Removal or suspension of institution-affiliated party 1138, 1140 . . Adjudicatory proceedings 2166.03 FEMA SEE Federal Emergency Management Administration FFIEC SEE Federal Financial Institutions Examination Council FHAP . Definition 9754 FHEO . Definition 9754 FHIP . Definition 9781 FICO funding sources . FDIC General Counsel's opinion 5542 Fiduciaries SEE ALSO Breach of fiduciary duty . Foreign banks and banking . . Powers 8787 . NOW Accounts . . Eligibility 7586.19 . Passthrough accounts . . Insurance coverage 4682 Fiduciary capacity . Definition 8246, 8276, 8279, 9286 . Insurance coverage . . Custodial account 2356 . . Escrow account 4554 . . Individual retirement account 4785 . . Passthrough accounts 4918 . . Social Security payments 4771 . . Subsidiaries 4548 Fiduciary relationship . Disclosure requirements . . Revocable trust account 4469 . Insurance coverage . . Recordkeeping requirement 2355, 4486, 4529, 4573, 4575 . . Trust account 4476 Field review . Definition 8590.71 Files SEE ALSO Records maintenance and retention . Definition 6603, 7187, 9438.02-A Filing . Definition 2045 Filing procedures . Acquisition of control 2063 . . Prior notice 2061 . . Public notice 2064 . Activities and investments 2067, 2068 . . Expedited processing 2067, 2068 . Branch establishment, operation, or relocation 2056 . . Disasters 2057 . . Expedited processing 2057 . Brokered deposit waivers 2068.13 . Capital stock or notes reduction or retirement 2068.12 . Change of director or senior executive officer 2065 . Commonly controlled depository institutions waiver 2068.15 . Computation of time 2046 . Conversion with diminution of capital 2068.16 . CRA 2046 . Decisions 2050 . . Appeals and reconsideration 2051 . Deposit insurance 2054 . . Federal Reserve System withdrawal 2055 . . Interim institutions . Expedited processing 2051 . Extension of time 2068.18 . FDI Act, section 19 2068.11 . FOIA requests 2048 . Golden parachute or severance payments 2068.14 . Insurance fund conversion 2068.15 . International banking 2068.04 . . Branch or agency of a foreign bank 2068.06 . . Exemptions from insurance requirement 2068.08 . . Foreign branches of U.S. banks 2068.04 . . Foreign investments 2068.05 . . Impermissible activities 2068.08 . . Merger transactions 2068.07 . Investigation 2046 . Limited liability companies 2053 . Management official interlock 2068.17 . Merger transactions 2059 . . Expedited processing 2060 . . Notice requirements 2060 . Modification of conditions 2068.17 . Mutual-to-stock conversions 2068.01 . . Waiver 2068.02 . Notice 2047 . . Comments 2048 . . Hearings 2049 . Prompt corrective action 2068.09 . . Applications for change 2068.09 . Rules and regulations 2041 . Termination of insurance . . Continuation or resumption of coverage 2068.16 . Trust powers 2068.13 . Truth in Lending Act . . Relief from reimbursement 2068.17 Final determination . Definition 1177 Final order . Adjudicatory proceedings . . Summary disposition 2141 . Administrative enforcement . . Disclosure 1149 . Definition 2128 . Termination of insurance 1133 Finance charges SEE ALSO Fees or charges OR Prepaid finance charges . Definition 6646, 6886 . Determination 6570.01 . Disclosure requirements 6588.02, 6663, 6949 . . More-conspicuous requirement 6896 . FRB's Regulation Z 6646, 6888 . . Advertising 6667 . . Assumption fees 6889 . . ATM user fees 6888, 6902.21 . . Checking account 6889 . . Consumer report 6569, 6889, 6893 . . Discount for cash 6889 . . Late payment charges 6891 . . Point and discount charges 6891 . . Property liability insurance premium 6889 . . Real property transactions 6892 . Itemized exclusions . . Fees or charges 6570.02, 6891 . Open end credit . . Disclosure requirements 6652.07, 6911 . . Initial disclosure statement 6652.03, 6652, 6902.18 . . Periodic statement 6652.04 . Overdrafts . . Disclosure 7428.01 . Real property transactions 6570.02 . Rebate . . Disclosure requirements 6588.02, 6954.01 . . Residential mobile home 9530 Finance company . Definition 6110.07 Finance subsidiary . Definition 6120.01 Financial advice SEE Investment or financial advice Financial agency . Definition 8381 Financial asset . Definition 2262.02, 3087, 6120.02-D Financial assistance . Antitrust laws 6050 . Bridge banks . . Closed insured banks 1188.25 . Definition 7498 . Emergency . . Acquisition of control . . Economically depressed region 1232, 3077 . . Merger transactions . . Savings Association Insurance Fund (SAIF) member 3077 . FDIC 1219 . . Annual report to Congress 1220 . . Banks in danger of failing 1219 . . Depositor rights 1220 . . Least-cost resolution 1220 . . Merger transactions 1219 . . Minority organization 1224 . . Systemic risk 1221 . . Tax deferral 1222 . FDIC Improvement Act of 1991 . . Rhode Island 8550.29 . FDIC receiver or conservator . . Closed insured banks 1188.25 . . Prior to appointment 1222.01 . Insured depository institutions . . Foreign deposits 1495 . Interstate transactions . . Emergency 1222.03 . Merger transactions . . Limitations 1224 . Tax implications . . Transitional rules 9549 Financial assistance for acquisition or construction purposes . Definition 7498 Financial collateral . Definition 2262.30, 6120.52 Financial contracts SEE ALSO Qualified financial contracts . Definition 9294 . . Validity 9258.18 Financial Crimes Enforcement Network SEE FinCEN Financial factor assessment . One-bank holding company . . Statement of policy 6171 Financial history and condition of bank . Applications for insurance . . Banking factors 1093, 1105 Financial holding companies SEE ALSO Bank holding company OR Nonbanking activities . Authority . . FRB 6046 . . Secretary of the Treasury 6046 . . Securities and Exchange Commission 6046.11 . . State insurance regulator 6046.11 . Bank Holding Company Act 6046 . CRA requirement 6046.03, 6110.27, 6110.28-B . Cross marketing 6046.05 . Definition 6028.01, 6110.26, 6110.28-M, 6110.28-O, 6110.28-U, 6988.27, 8673.16 . Examination 6046.07 . Foreign banks and banking 6110.27, 6110.28-H . Grandfather provisions 6046.05 . Merchant banking investments 6046.03, 6110.28-L . . Permissible activities 6046, 6046.06 . . Private equity fund 6110.28-Q . Registration 6046.06 . Reporting requirements 6046.07 . Requirements 6110.26 Financial Information Management Records . FDIC . . System of records 2222 Financial institutions SEE ALSO Banks OR Depository institutions OR Foreign control of United States financial institutions . Definition 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-D, 8516.08-B, 8516.08-E, 8516.08-J, 8516.11, 8550.25, 8673.22, 8673.27, 8890.03, 9183 . FDIC Statement of Policy . . Composite rating 5079 . . Fair Credit Reporting Act 5337 . . Federal Financial Institutions Examination Council 5337 Financial Institutions Investigative and Enforcement Records . FDIC . . System of records 2204 Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA) . Act 8581 Financial Institutions Regulatory and Interest Rate Control Act of 1978 (FIRA) or (FIRIRCA) SEE ALSO Change in Bank Control Act of 1978 OR Depository Institution Management Interlocks Act OR Federal Financial Institutions Examination Council Act of 1978 OR Right to Financial Privacy Act of 1978 . Amends numerous sections of the Federal Deposit Insurance Act and related statutes, as indicated in the Source Notes of such sections by citations to Public Law No. 101--73. . Act 8591 . Appraisal Subcommittee (FFIEC) . . Chairperson 8589 . . Fees or charges 8590 . . Functions 8589 . . Powers 8590 . . Standards 8590 . Appraisals . . Report to Congress . . Standards 8590.01 . . State certified or licensed appraiser 8590.02 . . Study . Appraisers . . Certification 8590.02 . . Federal financial institutions regulatory agencies 8590.01 . . Licensing 8590.02 . Depository Institution Management Interlocks Act 8591 . Federal Financial Institutions Examination Council Act of 1978 . Financial record . . Judicial subpoena 7092, 7094 . Foreign banks and banking . . Reports and reporting requirements 4071 . FRB's Regulation O . . Executive officer 4018 . . Summary 7653 . Right to Financial Privacy Act of 1978 7091 . Standards . . Federal financial institutions regulatory agencies 8590.01 . State appraiser certifying and licensing agency . . Appraisers 8590 . . Establishment 8590.03 . . Fees or charges 8590.01 . . Monitoring 8590.03 . Voting trust . . Loans or extensions of credit 4018 Financial instrument . Definition 9386 Financial interests . Office of Thrift Supervision, Director 8696 Financial organizations . Definition 6110.06-A Financial privacy SEE Right to Financial Privacy Act of 1978 Financial product or service . Definition 2392 Financial record . Administrative subpoena and summons . . Law enforcement inquiry 7093 . Definition 7091 . Disclosure authorization . . Customer 7092 . . Exceptions 7100 . Financial institutions . . Duties 7098 . . FBI 7103 . Government authority . . Confidentiality of record 7092 . . Delayed notice to customer 7096 . . Information usage 7098 . . Records maintenance and retention 7096 . . Search warrant 7092, 7094 . . Subpoena 7092, 7093 . Right to Financial Privacy Act of 1978 . . Securities and Exchange Commission 9250 Financial recordkeeping and reporting of currency and foreign transactions . Anti-money laundering programs for dealers in precious metals, precious stones, or jewels 8516.10 . Administrative rulings 8516.01 . . Disclosure of information 8516.04 . Civil money penalties 8510.01 . Currency transactions . Customer identification programs for banks, savings associations, credit unions, and certain non-federally regulated banks 8516.06-D . . Broker-dealers 8516.08-A . . Futures commission merchants 8516.08-E . . Introducing brokers 8516.08-E . . Mutual funds 8516.08-J . . Operators of credit card systems 8516.08-N . Enforcement agency 8510 . . Comptroller of the Currency 8026 . . FRB 8028 . Information available to federal agencies . . Disclosure of information 8508 . Monetary instruments . . Forfeiture 8511 . Money services business . . Registration 8505 . Reports and reporting requirements 8508, 8385, 8386 . . Disclosure prohibitions 8404 . . Foreign financial agency 8490 . . Registered government securities broker or dealer 8269 . . Suspicious transactions 8389, 8486.02 . Reports by mutual funds of suspicious transactions 8486.02 . Violation . . Informants 8513 Financial responsibility rules . Definition 9182 Financial services SEE Basic financial services Financial standby letter of credit . Definition 2262.02, 6120.02-D Financial statement SEE ALSO Audited financial statements . Broker or dealer in securities . . Filing requirement 9234 . Business development company . . Records maintenance and retention 9354 . Definition 5306 . Registered investment company . . Annual report 9332 . . Independent public accountant 9336 . . Records maintenance and retention 9335 Financial subsidiaries SEE ALSO Functionally regulated subsidiaries . Definition 1523, 3124.12, 7512.10, 7786 . FRB member banks . . Transactions with affiliates 7798 . Insured state banks . . Firewalls 1523 Financial transaction . Definition 8302 Financing a sale . Definition 7162 . FDIC . . Affordable housing program 1480 Financing Corporation . Assessment . . Oakar and Sasser banks 5529 Financing of housing SEE ALSO Fair Housing Assistance Program . Discriminatory practices 6988.01 . . Fair Housing Act 6988.01 . . Housing assistance programs 9703, 9705 FinCEN . Definition 2965, 8486 Finding of no significant impact . Definition 5185 Fingerprinting . FDI Act, section 19 . . Contractors 4512.01 . . Employees 4512.01 . Registered transfer agent 9234.01 . . Exemptions 9234.01, 9442.01 . . Records maintenance and retention 9442.03 . . Securities industry personnel 9442.01 . . State laws 9442.02 . Self-regulatory organization . . Exemptions 9442.03 Firm offer of credit or insurance . Definition 6603, 6610.43 First occupancy . Definition Fiscal year . Definition 2844.03 Fitness Center Records . FDIC . . System of records 2226.10 Fixed rate account . Definition 7430 Flood Disaster Protection Act of 1973 SEE ALSO National flood insurance program . Act 7497 . Flood insurance requirement 7498.01 . . Civil money penalties 7498.03 . . Fees or charges 7498.04 . National flood insurance program . . Mortgage loan 7498.01 . . Nonparticipating community 4978, 7498.05 Flood hazard SEE Special flood hazard Flood insurance interagency task force . Establishment 8890.19 Florida . Truth in Lending Act requirements . . Preemption 6972 Food Security Act of 1985 . Act 8669 . Farm product . . Protection for purchasers 8669 For any semiannual period . Definition 2296.03 Foreclosure SEE Mortgage foreclosure proceedings Foreign SEE ALSO International . Definition 7613 Foreign accounts . Delegated authority . . FRB Division of International Finance Staff Director 6190.01 Foreign activities SEE ALSO Prohibited foreign trade practices . Agreement Corporation 7619, 7621 . Bank holding company 6110.01 . . Divestiture 7623 . . Investments 6034, 7623 . . Subsidiaries 7623 . Edge Corporation 7619, 7621 . FDIC . . Reports and reporting requirements 2853 . Foreign banks and banking . . Underwriter 7634.01 . FRB's Regulation X . . Margin requirements 7842 . . Securities transactions 7842 . FRB's Regulation Z . . Consumer credit 6872.01 . Insured state nonmember banks . . Delegated authority . . Equity investments 2848 . . FDIC approval 2854 . . Futures commission merchant 2851 . . Loans or extensions of credit 2852 . . Permissible activities 2848, 2852 . . Records maintenance and retention 2853 . . Risk assets 2853 . . Supervision 2853 . . Underwriting 2850 . Money laundering 8394 . . Reports and reporting requirements 8395, 8398 . . Suspicious activities 8394 . Permissible investments . . Private sector companies 7622 . . Public sector companies 7622 . Registered securities . . Issuer 9258.19 Foreign bank SEE Foreign banks and banking Foreign bank holding company . Nonbanking activities Foreign bank subsidiary . Credit card banks 6041 . Insured nonmember banks . . Restrictions 4189 Foreign Bank Supervision Enhancement Act of 1991 . Act 8550.01 . FDIC Improvement Act of 1991 . . Regulatory improvement 8550.01 . . Report to Congress 8550.02 . . Study 8550.02 Foreign banking organization . Definition 2847, 6086, 7628.05 Foreign banks and banking SEE ALSO Branch or agency of a foreign bank . Acquisition of control . . Standards 7628.10 . Administrative enforcement 8797 . Bank holding company . . FRB prior approval 6094 . Branch establishment, operation, or relocation . . Application 7628.11 . . Federal branches and agencies 8786 . . Standards 7628.10 . Capital adequacy . . Study 4220 . Change in control 7628.12 . Condition report 1111 . Conversion transactions 7628.12 . Correspondent banks 7586.31 . . Capital adequacy 7586.34 . . Credit exposure 7586.33 . CRA . . Small banks 4922 . Definition 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 . Delegated authority . . Federal Reserve banks 6194 . . FRB Division of Banking Supervision and Regulation Director 6187 . . FRB Secretary 6183 . Deposit broker 4972 . Deposit insurance 1094, 2858, 8792 . . Exemptions 2864.03 . . Notice to depositors 2864.04 . Discriminatory practices 8796 . Domestic retail deposit activity 2864 . . Asset maintenance 2864 . . Examination 1171, 2864.01, 7628.18, 8793, 8797 . . Pledge of assets 2860 . . Records maintenance and retention 2859 . Examination 2858, 7628.18 . . Disclosure of information 7628.19 . FDIC Improvement Act of 1991 . . Regulatory improvement 8550.02 . FDIC receiver or conservator . . Assets 8788 . Financial holding company 6110.27, 6110.28-H . Foreign activities . . Underwriter 7634.01 . Forms and instructions . . Form FFIEC 002 Report of Assets and Liabilities of U.S. Branches and Agencies of Foreign Banks 2069 . FRB . . Authority 8793 . . Supervision 7628.21 . Frozen funds 4808 . Insured branches . . Audit 3162.02 . . Insider transactions 1264 . . Insurance coverage 2353 . . Insured banks 4419 . . Records maintenance and retention 1305 . Insured state nonmember banks . . Interlocking director 8593 . International Banking Act . . Capital standards 8794.02 . . Cease-and-desist order 1135 . . Judicial review 8794.02 . . Retail deposit-taking 7491, 8792 . . Shell branches 8794.03 . Interstate banking 7628.06, 8789 . . Deposit production office prohibition 7628.07 . . Subsidiaries 8790 . Lending limit 7628.19 . Loans or extensions of credit to affiliates 4076 . McFadden Act . . Report 8798.01 . Member bank . . Stock loans 6110.15 . Merger transactions 7628.11 . . United States location 1260 . Nonbanking activities 4984.27, 7628.07, 8795 . . Exceptions 7628.08 . . Moratorium . . Permissible activities 7628.09 . . Permissible investments 7628.09 . . Reporting requirements 7628.10 . Pledge of assets 2860, 4287 . . Deposit insurance fund protection 1094 . Reports and reporting requirements . . Financial Institutions Regulatory and Interest Rate Control Act of 1978 (FIRA) or (FIRIRCA) 4071 . . Insider indebtedness 4071 . . Insured branches 4071 . . Small business 2069 . . Small farm 2069 . . Suspicious activity report 7619 . Representative office 7628.15 . State branches . . Permissible activities 2864.01, 7628.19 . Termination of insurance . . Adjudicatory proceedings 2153 . . Extraterritorial act 2153 . . Jurisdiction of court 1147 . . Removal or suspension of institution-affiliated party 1147, 2153 . Termination of operation 7628.17, 8794.01 . Transactions with affiliates . . Loan guaranty 4942 . . Restrictions 1264 Foreign branches (of U.S. banks) SEE ALSO Branch or agency of a foreign bank . Definition 1070, 2068.04, 2847, 7613 . . Federal Reserve banks 6195 . Deposits . . Official sign 4378 . . Reserve requirements 7586.17 . Edge Corporation . . Competition 7513 . FRB's Regulation K . . Branch establishment, operation, or relocation 7614 . . Reserve requirements 7615 . Insured state nonmember banks . . Branch establishment, operation, or relocation 1260, 2854 . Military community . . Insurance coverage 4974 . Powers 7614 . Study 8796 Foreign business . Definition 2857 Foreign Control of United States Financial Institutions . Depository Institutions Deregulation and Monetary Control Act of 1980 . . Moratorium 8546.01 Foreign Corrupt Practices Act of 1977 . Act 9262 . Prohibited foreign trade practices . . Securities Exchange Act of 1934 9259 Foreign country . Definition 2847, 2857, 7613, 8785 Foreign country exposure . International Lending Supervision Act of 1983 . . Appropriate federal banking agency 8803 . . Reports and reporting requirements 7630, 8803 . . Transfer risk 8802 Foreign deposits . Brokered deposits . . Interest rates limitation and regulation 4714 . . Recordkeeping requirement 4471 . FRB's Regulation K . . Edge Corporation 7619 . Insurance coverage 2352 . Insured depository institutions . . Claims 1495 . . Financial assistance 1495 . . Payments and collections 1495 Foreign direct investment . Foreign Investment Study Act of 1974 . . Secretary of Commerce 9169 Foreign exchange . Dollars 8508 . FRB's Regulation K . . Edge Corporation 7620 . Risk-based capital 2262.06-J . . Calculations 2262.06-N, 6120.14 Foreign financial agency . Definition 8383, 8484.01 . Financial recordkeeping and reporting of currency and foreign transactions 8385 Foreign financial institutions . Definition 8383, 8516.12 Foreign financial regulatory authority . Appropriate federal banking agency . . Investigation 1150, 1191 . Definition 9184, 9291, 9366 . Disclosure of information . . International Banking Act 8799 Foreign government . Guarantees . . Risk-based capital 6120.02-B-3 . Lending limits of the Comptroller of the Currency 9394 Foreign, international, and supranational entities . Reserve requirements . . Exemptions 7586.15 Foreign Investment Study Act of 1974 . Act 9169 . Secretary of Commerce . . Foreign direct investment 9169 . Secretary of the Treasury . . Portfolio investment 9169 Foreign issuers of securities . Form 20F (SEC) 9457 Foreign loan . Insured state nonmember banks . . Guarantee the obligations of third parties 4111 . International Lending Supervision Act of 1983 . . Evaluation 8804 Foreign margin stock . Definition 7659 . FRB's Regulation T . . Listing requirement 7669 Foreign official . Definition 9261, 9265, 9268 Foreign organization . Definition 2068.04, 2847 Foreign person . Civil money penalties . . Jurisdiction 8302 . Definition 7613, 7659, 8546.01 Foreign person controlled by a United States person . Definition 7841, 8386, 9192 Foreign savings and loan holding company . Activities 8730 Foreign securities . Definition 7659 Foreign securities authority . Definition 9184, 9291, 9365 . Securities and Exchange Commission . . Disclosure requirements 9258.11 . . Expenses 9186.05 Foreign securities exchanges . Securities Exchange Act of 1934 9258.19 Foreign shell bank . Definition 8516.11 Foreign subsidiaries SEE Foreign bank subsidiary Forfeited funds . Insurance coverage . . Custodial account 4525 Forfeiture . Edge Corporation . . Rights, privileges, and franchises 7517 . Fair Credit Billing Act . . Compliance 6590 . Financial recordkeeping and reporting of currency and foreign transactions . . Monetary instruments 8511 . Monetary instruments transactions 8387 Forge or alter . Criminal laws and procedures . . Notes, bonds, debentures, or obligations 8285 Form 3 (SEC) SEE Form F--8 statement of changes in beneficial ownership of equity securities Form 5 (SEC) SEE Form F--8A annual statement of beneficial ownership of securities Form 13F (SEC) . Institutional investment manager . . Securities Exchange Act of 1934, section 13(f) securities 9458 Form 20F (SEC) . Foreign issuers of securities 9457 Form 4790 (Customs) SEE Report of International Transportation of Currency or Monetary Instruments Form 6120/06 Notification of Performance of Bank Services . Reports and reporting requirements . . Bank Services 2070 Form 8020/05 Summary of Deposits . Forms and instructions 2070 Form BD, amendment to application for registration and to notice of status as a government securities broker or dealer . Government securities broker or dealer . . Records maintenance and retention 8248 Form F--1 registration statement . National securities exchange . . Registration 9200 Form F--5A information statement . Disclosure of information 9211 Form F-13 tender offer . Registered securities 9215 Form FFIEC 002 Report of Assets and Liabilities of U.S. Branches and Agencies of Foreign Banks . Foreign banks and banking . . Reporting requirements 2069 Form FFIEC 031 Consolidated Reports of Condition and Income for a Bank with Domestic and Foreign Offices . State nonmember banks 2069 Form FFIEC 041 Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only . State nonmember banks 2069 Form for credit application, closed end, secured transaction (FRB) (FRB) . Form 7230 Form for credit application, closed end, unsecured or secured transaction (FRB) . Form 7232 Form for credit application, community property (FRB) . Form 7234 Form for credit application, open end, unsecured transaction (FRB) . Form 7228 Form for residential loan application, residential real estate mortgage loan (FRB) . Form 7236 Form FR G-1 . FRB's Regulation U . . Margin stock 7762 Form FR G-2 . FRB's Regulation U . . Margin stock 7762 Form FR G-3 . FRB's Regulation U . . Margin stock 7763 Form FR G-4 . FRB's Regulation U . . Margin stock 7763 Form FR HMDA-LAR Loan/Application Register . Form 7286.01 . . Format 7284 . Data compilation . . Fair housing 2651 . . Home improvement loan 4395 . Home Mortgage Disclosure Act of 1975 7304 Form FR T-1 Agreement of Domestic Nonmember Banks . Form 7672 Form FR T-2 Agreement of Foreign Nonmember Banks . Form 7672 Form FR T-4 Statement of Purpose of an Extension of Credit by a Creditor . Form 7675 . FRB's Regulation T . . FRB nonmember banks 7675 Form FR U-1 . FRB's Regulation U . . Margin stock 7763 Form FR Y-9C . One-bank holding company . . Annual disclosure statement 2906 Form G--1 Balance computation methods model clauses (FRB) . Open end credit 6651, 6676.01, 6982.05 Form G--2 Liability for unauthorized use model clause (FRB) . Open end credit 6652.08, 6676.01, 6982.05 Form G--3 Long form billing error rights model form (FRB) . Open end credit 6651, 6652.06, 6676.01, 6982.05 Form G--4 Alternative billing error rights model form (FRB) . Open end credit 6652.06, 6676.02, 6982.05 Form G--5 Rescission model form (when opening an account) (FRB) . Open end credit 6658, 6676.03, 6982.06 Form G--6 Rescission model form (for each transaction) (FRB) . Open end credit 6658, 6677, 6982.06 Form G--7 Rescission model form (when increasing the credit limit) (FRB) . Open end credit 6658, 6677, 6982.06 Form G--8 Rescission model form (when adding a security interest) (FRB) . Open end credit 6658, 6678, 6982.06 Form G--9 Rescission model form (when increasing the security) (FRB) . Open end credit 6658, 6678.01, 6982.06 Form G-10(A)-(B) Applications and solicitations model forms (credit cards) (FRB) . Open end credit . . Credit card 6649, 6678.02, 6982.06 Form G-10(C) Applications and solicitations model form (charge cards) (FRB) . Open end credit . . Charge card 6649, 6678.03, 6982.06 Form G-11 Applications and solicitations made available to general public model clauses (FRB) . Open end credit . . Charge card 6650, 6678.03, 6982.06 Form G-12 Charge card model clause (when access to plan offered by another) (FRB) . Open end credit . . Charge card 6651, 6678.03, 6982.06 Form G-13(A) Change in insurance provider model form (combined notice) (FRB) . Open end credit . . Charge card 6678.03, 6912, 6982.06 Form G-13(B) Change in insurance provider form (FRB) . Open end credit . . Charge card 6652.07, 6678.04, 6912, 6982.06 Form G-14(A)-(B) Home equity sample (FRB) . Open end credit . . Home equity plans 6678.04, 6678.06 Form G-15 Home equity model clauses (FRB) . Open end credit . . Home equity plans 6678.09 Form G-FIN-4, notification by persons associated with financial institutions that are government securities brokers and dealers pursuant to section 15C(a)(1)(B)(i) of the Securities Exchange Act of 1934 and section 400.4 of this chapter . Government securities broker or dealer . . Associated person 8247, 8272 . . Records maintenance and retention 8265 . Reports and reporting requirements . . Appropriate federal banking agency 8247, 8272 Form G-FIN-5, notification of termination of association with a financial institution that is a government securities broker or dealer pursuant to section 15C(a)(1)(B)(i) of the Securities Exchange Act of 1934 and section 400.4 of this chapter . Government securities broker or dealer . . Associated person 8247, 8272 . . Records maintenance and retention 8265 . Reports and reporting requirements . . Appropriate federal banking agency 8247, 8272 Form G-FIN, notification by financial institutions of status as government securities broker or dealer pursuant to section 15C(a)(1)(B)(i) of the Securities Exchange Act of 1934 . Government securities broker or dealer . . Records maintenance and retention 8265 . Securities Exchange Act of 1934 . . Financial institutions 8271 . . Government securities broker or dealer 8271 . . Registered broker or dealer 8271 Form G-FINW, notification by financial institutions of cessation of status as government securities broker or dealer pursuant to section 15C(a)(1)(B)(i) of the Securities Exchange Act of 1934 and section 400.6 of this chapter . Government securities broker or dealer . . Financial institutions 8248, 8272 . . Records maintenance and retention 8265 . Reports and reporting requirements . . Appropriate federal banking agency 8248, 8271 Form H--1 Credit sale model form (FRB) . Closed end credit 6678.14, 6982.07 Form H--2 Loan model form (FRB) . Closed end credit 6678.15, 6982.07 Form H--3 Amount financed itemization model form (FRB) . Closed end credit 6678.16, 6982.07 Form H--4A variable rate model clauses (FRB) . Closed end credit . . Home mortgage 6678.16, 6982.07 Form H--4B variable rate model clauses (FRB) . Closed end credit . . Home mortgage 6678.16, 6982.08 Form H--4C variable rate model clauses (FRB) . Closed end credit . . Home mortgage 6678.16, 6982.08 Form H--4D variable rate model clauses (FRB) . Closed end credit . . Home mortgage 6678.18, 6982.08 Form H--5 Demand feature model clauses (FRB) . Closed end credit 6678.18, 6982.08 Form H--6 Assumption policy model clause (FRB) . Closed end credit 6678.18, 6982.08 Form H--7 Required deposit model clause (FRB) . Closed end credit 6678.18, 6982.08 Form H--8 Rescission model form (general) (FRB) . Closed end credit 6678.19, 6982.08 Form H--9 Rescission model form (refinancing with original creditor) (FRB) . Closed end credit 6678.19, 6982.08 Form H-10 Credit sale sample (FRB) . Closed end credit 6678.21, 6982.08 Form H-11 Installment loan sample (FRB) . Closed end credit 6678.22, 6982.08 Form H-12 Refinancing sample (FRB) . Closed end credit 6678.23, 6983 Form H-13 Mortgage with demand feature sample (FRB) . Closed end credit 6678.24, 6983 Form H-14 Variable rate mortgage sample (FRB) . Closed end credit 6678.25, 6983 Form H-15 Graduated payment mortgage sample (FRB) . Closed end credit 6678.27, 6983 Form H-16 Mortgage sample (FRB) . Closed end credit 6678.27 Form HRSA-500-1 9-82--student loan (HUD) . Closed end credit 6984 Form HRSA-500-2 9-82--student loan (HUD) . Closed end credit 6984 Form HRSA-502-1 9-82--student loan (HUD) . Closed end credit 6984 Form HRSA-502-2 9-82--student loan (HUD) . Closed end credit 6984 Form PD 1832, Special form of detached assignment for United States registered securities . Government securities . . Rules and regulations 8280.08 Form TA-1 Transfer Agent Registration and Amendment Form . Form 2707 . Definition 2706, 2708 . Securities Exchange Act of 1934 9240 Form TA-2 Form for Reporting Activities of Transfer Agents Registered Pursuant to Section 17A of the Securities Exchange Act of 1934 . Registered transfer agent . . Reports and reporting requirements 9432.16 . Securities and Exchange Commission . . Annual report 9432.16 Form X-17F-1A (SEC) . Missing, lost, counterfeit, or stolen securities 9442 . . Recordkeeping requirement 9442.01 . . Reports and reporting requirements 9439, 9442.01 Forms and instructions SEE ALSO specific form by name or number . Bank Protection Act of 1968 . Bank Service Company Act . Consumer leases . . Model disclosure forms 6592.04 . FRB's Regulation B 7227, 7262 . . Application 7228 . . FRB Form C-1--Notice of action taken and statement of reasons 7236 . . FRB Form C-2--Notice of action taken and statement of reasons - Alternate statement of credit denial, termination, or change . . FRB Form C-3--Notice of action taken and statement of reasons (credit scoring) 7237 . . FRB Form C-4--Notice of action taken, statement of reasons and counteroffer 7238 . . FRB Form C-5--Disclosure of right to request specific reasons for credit denial 7239 . . FRB Form C-6--Notice of incomplete application and request for additional information 7240 . FRB's Regulation M . . Consumer leases 6693 . FRB's Regulation Z . . Closed end credit 6678.12, 6982.07 . . Open end credit 6676, 6982.04 . Insured banks . . Form 8020/05 Summary of Deposits 2070 . Insured state nonmember banks . Loan and credit applications . . Form for credit application, closed end, secured transaction (FRB) 7230 . . Form for credit application, closed end, unsecured or secured transaction (FRB) 7232 . . Form for credit application, community property (FRB) 7234 . . Form for credit application, open end, unsecured transaction (FRB) 7228 . . Form for residential loan application, residential real estate mortgage loan (FRB) 7236 . Margin stock . . Form FR G-1 7762 . . Form FR G-2 7762 . . Form FR G-3 7763 . . Form FR G-4 7763 . . Form FR U-1 7763 . Registered transfer agent . . Form TA-1 Transfer Agent Registration and Amendment Form 2707 . RESPA . . HUD-1A Settlement Statement 7034 . Special flood hazard 2664.03 . State nonmember banks . . Form FFIEC 031 Consolidated Reports of Condition and Income for a Bank with Domestic and Foreign Offices 2069 . . Form FFIEC 041 Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only 2069 Forward collection . Definition 7416, 7418.44 . FRB's Regulation CC . . Check presentment and issuance 7418.21, 7418.96 Forward contract . Definition 1188.14-D Forward-looking statement . Definition 8994.08, 9258.08 . Securities litigation . . Safe harbor 8994.06, 9258.06 Franchise . Definition 7008 Franchisee . Definition 7008 Franchisor . Definition 7008 Fraud alert . Definition 6605 Fraud offense . Definition 5415 Fraudulent and manipulative practices SEE ALSO Antifraud rules OR Fraudulent statement . Criminal laws and procedures . . Financial institutions 8297 . . Mail or telephone 8299 . . Wire, radio, or television 8299 . FDIC receiver or conservator . . Transfer of assets and liabilities 1188.12-B . Government securities . . Order 9228.07 . . Rules and regulations 9228.07 . Penny stock . . Rules and regulations 9224 . Securities and Exchange Commission . . Market volatility 9194.01 . Securities transactions . . Antifraud rules 9194.01, 9401 Fraudulent statement SEE ALSO Falsification of book, record, report, account, or statement . Investment Advisers Act of 1940 . . Registration statement 9375 . . Reports and reporting requirements 9375 FRB SEE ALSO FRB Division of Banking Supervision and Regulation Director OR FRB Division of Consumer and Community Affairs Director OR FRB forms OR FRB General Counsel OR FRB member banks OR FRB membership OR FRB Secretary OR FRB's regulations . Administrative enforcement . . Expedited Funds Availability Act 7428.07 . . FRB's Regulation CC 7418.02 . . Functionally regulated subsidiaries 6049 . . Home Mortgage Disclosure Act of 1975 7276, 7306 . Annual report to Congress . . Electronic Fund Transfer Act 6636 . . Equal Credit Opportunity Act 6616 . . Federal Trade Commission Act 8569 . . Truth in Lending Act 6575 . Bank holding company . . Stock dividends . . Stock splits . Bank Holding Company Act . . Examination 6040 . Cease-and-desist order . . Bank holding company 1134 . . Nonbanking subsidiaries 1134 . Conversion transactions 1263 . Delegated authority 6181 . Edge Corporation . . Capital stock 7516 . . Cease-and-desist order 1132 . . Examination 7518 . . Limitations 7515, 7519 . . Notice of charges and of hearing 1132 . . Powers 7514 . . Unsafe or unsound practices or conditions 1132 . Enforcement agency for branches and agencies of foreign banks . . Consumer Credit Protection Act 6571 . . Electronic Fund Transfer Act 6635 . . Equal Credit Opportunity Act 6613 . . Fair Debt Collection Practices Act 6623 . . Home Mortgage Disclosure Act of 1975 7306 . Enforcement agency for Edge corporations . . Consumer Credit Protection Act 6571 . . Electronic Fund Transfer Act 6635 . . Fair Debt Collection Practices Act 6623 . . Home Mortgage Disclosure Act of 1975 7306 . Enforcement agency for state member banks . . Consumer Credit Protection Act 6571 . . Depository Institution Management Interlocks Act 8595 . . Electronic Fund Transfer Act 6635 . . Equal Credit Opportunity Act 6613 . . Expedited Funds Availability Act 7428.07 . . Fair Debt Collection Practices Act 6623 . . Federal Trade Commission Act 8569 . . Financial recordkeeping and reporting of currency and foreign transactions 8028 . . FRB's Regulation B 7223 . . FRB's Regulation CC 7418.02 . . FRB's Regulation E 7380 . . Home Mortgage Disclosure Act of 1975 7306 . . Securities Exchange Act of 1934 9178 . . Truth in Lending Act 6571 . Expedited Funds Availability Act . . Check clearance 7426 . FDIC . . Condition report 1111 . . Examination report 1111 . FDIC receiver or conservator . . Appointment 7509 . Federal Trade Commission Act . . Banks 8568 . . Consumer affairs division 8568 . Financial holding companies 6046 . Financial recordkeeping and reporting of currency and foreign transactions . . Enforcement agency 8510 . Foreign banks and banking . . Authority 8792.01 . . Cease-and-desist order 1132 . . Examination 7628.18 . . Supervision 7628.21 . Information availability and management . . Confidentiality of record 7628.19 . International banking facility . . International banking facility eligible assets . . Notice of intention to establish 7586.04 . Merger transactions . . Competitive factor report 1258 . Report of assets and liabilities . . Depository institutions 7509 . Reserve requirements . . Depository institutions 7510 . Rules and regulations . . Electronic Fund Transfer Act 6626 . . Federal Trade Commission Act 8568, 8569 . . Truth in Lending Act 6570 . Securities Exchange Act of 1934 . . Enforcement agency for bank holding companies 9178 FRB Action Committee . Delegated authority 6182 FRB Division of Banking Supervision and Regulation Director . Delegated authority 6186.01 . . Acquisition of control 6187 . . Agreement Corporation 6187 . . Allocated transfer risk reserve 6188 . . Amendment 6186.01 . . Appointment 6189 . . Banking factors 6189 . . Branch establishment, operation, or relocation 6187 . . Capital adequacy 6186.01 . . Capital stock reduction or retirement 6189 . . Cease-and-desist order 6186.01 . . Dividends 6189 . . Drafts or Bills of Exchange 6189 . . Edge Corporation 6187 . . Emergency 6187 . . ERISA 6187, 6189 . . Examination coordination 6188 . . Examiners 6188 . . Extension of time 6186.01 . . Foreign banks and banking 6187 . . FRB membership 6189 . . Freedom of Information Act 6187 . . Government securities 6186.01 . . Hedging techniques 6188 . . Information availability and management 6187 . . Investments 6188 . . Management official 6186 . . Manuals or instructions 6190 . . Margin stock 6190.01 . . Merger transactions 6187 . . Municipal securities dealer 6190 . . Proxy solicitation 6190 . . Registered securities 6190 . . Registered transfer agent 6190 . . Registration statement 6190 . . Reports and reporting requirements 6187, 6190 . . Securities and Exchange Commission 6190 . . Security devices and procedures 6189 . . Subordinated notes and debentures 6189 . . Terms, conditions or requirements 6186.01 . . Underwriter 6188 . . Unlisted trading privileges 6190 . . Waiver 6187 FRB Division of Consumer and Community Affairs Director . Delegated authority . . Consumer credit practices 6190.01 . . Effect on state laws 6190.02 . . Manuals or instructions 6190.01 FRB Division of International Finance Staff Director . Delegated authority . . Foreign accounts 6190.01 FRB Form C-1--Notice of action taken and statement of reasons - Statement of credit denial, termination, or change . Form 7236 FRB Form C-2--Notice of action taken and statement of reasons - Alternate statement of credit denial, termination, or change . Form FRB Form C-3--Notice of action taken and statement of reasons (credit scoring) . Form 7237 FRB Form C-4--Notice of action taken, statement of reasons and counteroffer . Form 7238 FRB Form C-5--Disclosure of right to request specific reasons for credit denial . Form 7239 FRB Form C-6--Notice of incomplete application and request for additional information . Form 7240, 7213 FRB General Counsel . Delegated authority 6184.01 . . Acquisition of control 6185 . . Administrative procedure 6184.01 . . Cease-and-desist order 6186 . . Consent order 6186 . . Disclosure to foreign authorities 6185 . . Foreign branch establishment 6186 . . Freedom of Information Act 6185 . . Information availability and management 6185 . . Interlocking relationship 6186 . . Merger transactions 6185 . . Oath administration 6185 . . Open to public 6185 . . Petition for reconsideration 6184.01 . . Subpoena 6185 FRB member banks SEE ALSO Enforcement agency for state member banks OR National member banks OR State member banks . Classifications . . Delegated authority 6197 . Definition 7581, 7644, 8287, 8294 . Edge Corporation 7517 . FDI Act . . Discriminatory practices 1309 . Foreign activities 7611 . Foreign banks and banking . . Stock loans 6110.15 . FRB's Regulation O . . Records maintenance and retention 7650 . Insider transactions . . Aggregate lending limit 7512.06, 7647 . . Educational loans 7512.04 . . Exceptions 7647 . . Guarantee the obligations of third parties 7512.05 . . Loans or extensions of credit 7512.04, 7512.05 . . Mortgage loan 7512.04 . . Overdrafts 7512.06 . . Partnership 7512.05 . . Preferential loans 7512.05 . . Prohibitions 7512.04, 7648 . . Public disclosure 7650 . . Transactions with affiliates 7512.06-A . Insurance coverage 1087 . . Conversion transactions 1087 . Investment of funds in affiliates . . Limitations . Reports and reporting requirements 7509 . . Loans secured by bank shares 7651 . Transactions with affiliates . . Branch or agency of a foreign bank 7805 . . Collateral 7512.09, 7789 . . Derivatives 7799 . . Exemptions 7512.09, 7512.11, 7800 . . Financial subsidiaries 7798 . . Low-quality assets 7791 . . Operating subsidiary 7797 . . Restrictions 7512.06, 7512.11 . . Section 23B provisions 7803 . . Valuation and timing 7792 FRB membership . Delegated authority . . Federal Reserve banks 6196 . . FRB Division of Banking Supervision and Regulation Director 6189 FRB prior approval . Bank holding company . . Acquisition of bank shares or assets 6028 FRB Secretary . Delegated authority 6183 . . Acquisition of control 6183 . . Agency rules 6183 . . Annual report 6183 . . Competitive factor report 6183 . . Conversion transactions 6183 . . Edge Corporation 6183, 6184 . . Extension of time 6183 . . Foreign banks and banking 6183 . . Freedom of Information Act 6183 . . Information availability and management 6183 . . Interlocking relationship 6183 . . Payment before maturity 6184 . . Proposed rule making 6183 . . Shares of foreign company 6184 . Reports and reporting requirements 6183 . . Prime rate 6183 FRB Secretary of Federal Open Market Committee . Delegated authority . . Annual report 6190.02 . . Policy 6190.02 FRB Statement of Policy SEE ALSO Joint Statement of Policy . Bank holding company . . Small Bank Holding Companies 6120.24 . . Futures, forward, and standby contracts . . Money market instruments . . Nonvoting equity investments . . Subsidiaries 6177 . Bank Holding Company Act . . Compliance 6175 . . Divestiture 6175 . . One-bank holding company 6171 . Delayed disbursement . . Cashier's checks 7418.124 . . Teller's checks 7418.124 . Financial factor assessment . . One-bank holding company 6171 FRB's Regulation AA . Regulation 7409 . Consumer complaint procedure 7409 . Consumer credit practices 7409 . Enforcement agency 4214, 7410, 7412.03 . State exemptions 7412, 7412.14 . Unfair or deceptive acts or practices 7409 . . Consumer credit contract 7411 . . Credit Practices Rule 7412.04 FRB's Regulation B SEE ALSO Consumer credit practices . Regulation 7209 . Administrative enforcement 7223, 7255 . . Enforcement agency 4214, 7223 . Advertising 7213 . . Fair housing 4420 . Credit information . . Consumer reporting agency 7220 . . Credit history 7216 . . Disclosure of information 4828, 7220, 7254 . Discriminatory practices 7209, 7213, 7215, 7245 . . Exceptions 7212, 7215, 7216 . Effect on state laws 7220, 7255 . Equal Credit Opportunity Act . . Rules and regulations 6612 . Forms and instructions 7218, 7235, 7262 . FRB's Staff interpretations . Loan and credit applications 7213, 7215, 7245, 7250 . . Evaluation 7215 . Monitoring 7222, 7256 . Notification of action 7218, 7235, 7253 . . Adverse action 7218 . Records maintenance and retention 7255 . . Business credit 7222 . Special purpose credit 7214 . Violation . . Bank holding company FRB's Regulation C SEE ALSO Home Mortgage Disclosure Act of 1975 . Regulation 7271 . Disclosure requirements 7275 . Enforcement 7276 . Exempt institutions 7273 . Forms and instructions 7276 . . HMDA/LAR 7276, 7276 . . Race, national origin, sex 7286.01 . Mortgage loan data 7274 . Reporting requirements 7275 FRB's Regulation CC . Regulation 7413 . . Interpretations 7418.40 . Check collection . . Closed banks 7418.104 . . Collection test 7418.14, 7418.77 . . Effect on state laws 7418.22-B, 7418.105 . . Liabilities 7418.22, 7418.102 . . Merger transactions 7418.22-B, 7418.105 . . Paying banks 7418.14 . . Qualified returned checks 7418.14, 7418.79 . . Returning banks 7418.16, 7418.84 . Check presentment and issuance 7418.21 . . Settlement 7418.21, 7418.98 . Checks returned . . Liabilities 7418.22, 7418.94 . . Time requirements 7418.102 . Comptroller of the Currency . . Calculated funds availability 7418.09 . . Checks returned 7418.14 . . Enforcement agency for national banks 7418.02 . . Holds on funds 7418.12 . . Notice in lieu of return 7418.15 . Depositary banks . . Calculated funds availability 7418.09, 7418.73 . . Checks returned 7418.17, 7418.88 . . Employee training 7418.12 . . Holds on funds 7418.12 . . Merger transactions 7418.12 . . Notice in lieu of return 7418.87 . Disclosure requirements 7418.09, 7418.64, 7418.68 . . Policy changes 7418.09, 7418.70 . Effect on state laws 7418.14, 7418.74 . Exceptions . . Delayed availability of funds 7418.05, 7418.62 . . Notice to depositors 7418.05, 7418.60 . Exemptions . . Notice in lieu of return 7418.83 . FDIC . . Enforcement agency for insured nonmember banks 7418.02 . FRB . . Administrative enforcement 7418.02 . . Enforcement agency for state member banks 7418.02 . Funds availability . . Availability schedules 7418.03 . . Cashier's checks 7418.03 . . Certain deposits 7418.03 . . Certified checks 7418.03 . . Checks not deposited in person 7418.04, 7418.50 . . Civil liability 7418.13, 7418.76 . . Disclosure requirements 7418.09 . . Effective date 7418.53 . . Exceptions 7418.03 . . Federal Home Loan Bank Board checks 7418.03 . . Federal Reserve Board checks 7418.03 . . Good faith 7418.100 . . Holds on funds 7418.12, 7418.73 . . Interest on deposits 7418.08 . . Local checks 7418.03 . . Local government checks 7418.03 . . Model disclosures 7418.27, 7418.106 . . Nonlocal checks 7418.02, 7418.26, 7418.53 . . Nonproprietary ATMs 7418.03, 7418.55 . . Overdrafts 7418.04 . . Policy 7418.09, 7418.64 . . Records maintenance and retention 7418.05, 7418.12 . . Special deposit slips 7418.04, 7418.52 . . State government checks 7418.03 . . Teller's checks 7418.03 . . Treasury checks 7418.03 . . U.S. Postal Service money orders 7418.03 . . Withdrawal by cash 7418.54 . Indorsements . . Depositary banks 7418.20, 7418.95 . . Liabilities 7418.97 . . Standards 7418.38, 7418.92 . Interest on deposits 7418.08, 7418.62 . Next-day availability 7418.03, 7418.49 . Pacific Island banks . Payable through checks . . Issuance 7418.96 . Paying banks . . Checks returned 7418.12 . . Delayed availability of funds 7418.12, 7418.82 . . Identification 7418.13, 7418.82 . . Notice in lieu of return 7418.13, 7418.83 . . Routing number 7418.22-K, 7418.82 . . Unidentifiable depositary banks 7418.13, 7418.80 . Returning banks . . Checks returned 7418.13, 7418.84 . . Depositary banks 7418.17 . . Fees or charges 7418.87 . . Notice in lieu of return 7418.14, 7418.87 . . Settlement 7418.14, 7418.87, 7418.98 . . Unidentifiable depositary banks 7418.86 . Settlement . . Insolvent financial institutions 7418.22-A, 7418.104 . . Liabilities 7418.94 . . Same day settlement 7418.19, 7418.98 . Substitute checks 7418.22-C, 7418.110-A . . Disclosure requirements 7418.22-J, 7418.110-J, 7418.110-M . . Indemnity 7418.22-D, 7418.110-D . . Liabilities 7418.22-I, 7418.110-L . . Recredit 7418.22-E, 7418.22-H, 7418.110-G, 7418.110-K . . Warranties 7418.22-C, 7418.110-C . Warranties 7418.19 FRB's Regulation D . Regulation 7571 . Deposits . . Foreign branches 7586.17 . . Short-term loans 7586.20 . Federal funds transactions . . Exempt institutions 7586.16 . . Interdepository institutions loan participations 7586.16 . . Investment company 7586.13 . . Trust account 7586.13 . Interpretations . . Multiple accounts 7586.21 . . Time deposits 7586.22 . . Transaction account 7586.21 . . Transactions with affiliates 7586.23 . . Trust account overdrafts 7586.25 . NOW accounts . . Eligibility 7586.18 . Reserve requirements . . Bankers' bank 7586.06 . . Branch or agency of a foreign bank 7582 . . Computation of rates 7584 . . Deductions 7584 . . Deficiencies 7586.02 . . Edge Corporation 7582 . . Emergency 7586.01 . . Exemptions 7583 . . International banking facility . . Merger transactions 7586.01 . . Reserve ratios 7586.05 . . Supplemental 7586.01 . . Transitional adjustments 7586.01 . Retail repurchase agreements . . Federal securities 7586.14 . . Money market mutual funds 7586.14 . Short-term loans . . Repurchase agreements 7586.20 . Time deposits . . Secondary market 7586.19 FRB's Regulation DD . Regulation 7429 . Administrative enforcement 7473 . Advertising 7435, 7459, 7470, 4908 . . Annual percentage yield 7435, 7463 . . Bonus 7435, 7460 . . Deposit broker 7429, 7461 . Disclosure requirements 7461 . . Change in terms 7433, 7464, 7465 . . New accounts 7462 . . Tiered rate account 4792, 4809, 7463 . Effect on state laws 7429, 7454 . Interest on deposits 7461 . . Payment 7434, 7468 . Model clauses and forms 7442, 7475 . Periodic statement 7434, 7461, 7467 . . Fees or charges 7434, 7461 . Records maintenance and retention 7436, 7473 . Staff interpretations 7454, 7459 FRB's Regulation E SEE ALSO Electronic Fund Transfer Act . Regulation 7361 . Disclosure requirements . . Contents 7366, 7393 . Electronic fund transfers . . Documentation 7367 . Error resolution . . Consumer notice 7366 . Exemptions 7363 . . Interpretations 7392 . FRB's Regulation Z . . Electronic Fund Transfer Act 6654, 6656, 6923 . . Error resolution 6656 . Model disclosure clauses . . Consumer notice 7376, 7408.03 . Preauthorized electronic fund transfers 7368 . Records maintenance and retention 7372 . Terms, conditions or requirements . . Consumer notice 7367, 7399, 7407 . Unauthorized electronic fund transfers . . Interpretations 7404 FRB's Regulation F . Regulation 7586.31 . . Standards 7586.32 . Correspondent banks . . Capital adequacy 7586.34 . . Credit exposure 7586.33, 7586.35 . . Foreign banks 7586.34 . Transition provisions 7586.35 FRB's Regulation K . Powers . . Employee benefit plan 7621 . . Foreign branches 7614 . . Government obligations 7615 . . Guarantee the obligations of third parties 7615 . . Insurance agency activities 7616 . . Investments 7615 . . Loans or extensions of credit 7620 . . Real property loan 7616 . . Repurchase agreements 7616 . . Subsidiaries 7616 . Swap transactions . . Commodity-related transaction 7634 . . Equity security 7634 FRB's Regulation M . Regulation 6685 . Consumer leases . . Advertising 6691, 6732 . . Disclosure requirements 6686, 6687, 6722 . . Forms and instructions 6693 . . Renegotiation or extension 6690, 6730 . Enforcement agency 6699 . Interpretations 6699, 6719 . Records maintenance and retention 6692, 6734 . Relationship to state laws 6692.01, 6734 FRB's Regulation O . Regulation 7641 . Employee compensation . . Violation 4587 . Executive officer . . Definition 4857 . Financial Institutions Regulatory and Interest Rate Control Act of 1978 (FIRA) or (FIRIRCA) . . Executive officer 4018, 4020 . . Summary 7653 . Insider indebtedness . . Corrective action 4061, 4074, 4088, 4089 . . Extension of time 4042 . . Interest rate 4046 . . Preferential loans 4085, 4101 . . Principal shareholder 4089 . . Violation 4074, 4088, 4089 . . Wrap-around mortgage 4038 . Insider transactions . . Aggregate lending limit 2638, 4017, 4020, 4023, 4035, 4036, 4061, 4066, 4649, 4670, 7647 . . Credit card 4156, 4925 . . Creditworthiness 4156, 7646 . . Executive officer 4032 . . Guarantee the obligations of third parties 4649 . . Loans or extensions of credit 4156, 4157, 4920 . . Overdrafts 4281, 7648 . . Presumption of control 4049 . . Prior approval 4020, 4365 . . Principal shareholder 4025, 4026, 4027, 4030, 4493 . . Prohibitions 7646, 7648.01 . . Related interest 4018, 4020, 4023, 4032, 4035, 4049, 4066, 4710 . . Sale leaseback transaction 4247 . Interest or discount on loans . . Computation of rates 4108 . Interpretations . . Company 7656.08 . . Control of a company or bank 7656.08 . . Creditworthiness 7656.14 . . Executive officer 4635, 7655, 7656.09 . . Exempted transactions 4121, 7656.02, 7656.09 . . Extensions of credit 7656.10, 7656.13 . . Indebtedness 7656.11 . . Insider indebtedness 7656.12 . . Mortgage loan 4624, 4923 . . Overdrafts 7656.11 . . Prior approval 7656.12 . . Prohibited transactions 7656.04, 7656.13 . . Report of indebtedness 7656.06, 7656.13 . Loans or extensions of credit . . Insider transactions 7644 . . Lending limit 4288, 4636, 4641, 4642, 4644, 4646 . . Limitations 4084 . . Line of credit 4086, 4889 . . Prior approval 4096 . . Prohibited transactions 4096 . . Refinancing 4779, 4923 . . Related interest 4096, 4416 . . Renegotiation or extension 4102 . Partnership interest . . Sale 4579 . Preferential loans . . Employee compensation 4053 . . Interest rate 4046, 4694 . . Management official 4049 . . Wrap-around mortgage 4039 . Real property transactions 4832 . Records maintenance and retention . . Federal Reserve Act, section 22(h) 4093, 4104 . . FRB member banks 7649 . . Nonbank holding company 4790 . . Related interest 4821 . Transactions with affiliates . . Credit card 4925 . . Loans or extensions of credit to affiliates 4066, 4442, 4607 . . Subsidiaries 4020 FRB's Regulation T . Regulation 7657 . Arbitrage transaction 7666 . Borrowing and lending securities 7668 . Broker or dealer credit account 7665 . Cash account 7666 . Creditor . . Records maintenance and retention 7661 . Current market value 7661 . Errors . . Good faith 7661 . FRB nonmember banks . . Form FR T-1 Agreement of Domestic Nonmember Banks 7672 . . Form FR T-2 Agreement of Foreign Nonmember Banks 7672 . . Form FR T-4 Statement of Purpose of an Extension of Credit by a Creditor 7675 . Good faith account 7664 . Margin account 7662 . Margin requirements 7670 . OTC margin stock . . Listing requirement 7668 . Special memorandum account 7664 FRB's Regulation U . Regulation 7759 . Forms and instructions 7762 . Margin stock . . Employee stock ownership plan 7764, 7773, 7778, 7779 . . Exemptions 7766 . . Extensions of credit 7771, 7776 . . Good faith 7764, 7768, 7775 . . Joint venture 7770 . . Maximum loan value 7776 . . Purpose statement 7763, 7767, 7774, 7777 . . Single credit rule 7763 . . Special purpose loans 7765, 7769 FRB's Regulation W . Regulation 7785 . Transactions with affiliates 7792 . . Branch or agency of a foreign bank 7809 . . Collateral requirements 7793 . . Derivatives 7803 . . Exemptions 7804 . . Financial subsidiaries 7802 . . Low-quality assets 7794 . . Operating subsidiaries 7801 . . Section 23B provisions 7807 . . Valuation and timing 7796 FRB's Regulation X . Regulation 7841 . Securities transactions . . Margin requirements 7842 FRB's Regulation Y SEE ALSO Bank holding company OR Bank Holding Company Act OR Tying arrangements . Regulation 6081 . Bank holding company . . Reports and reporting requirements 6090 . Cease-and-desist order . . Violation 6091 . FRB prior approval . . Acquisition of control 6092 . Nonbanking activities closely related to banking 6110.02 . . Arranging real estate financing 6102 . Transactions not requiring FRB prior approval 6090 FRB's Regulation Z . Regulation 6641 . Advertising 6660, 6932 . . Additional disclosures 6667, 6966 . . Annual percentage rate 6668 . . Catalog and multipage advertisements 6660, 6667, 6966 . . Finance charges 6667 . . Terms, conditions or requirements 6667 . Annual percentage rate . . Construction loans 6672, 6982.03 . . Oral disclosure requirements 6668, 6969 . Charge card . . Application 6649, 6898.01 . Closed end credit . . Disclosure requirements 6934 . . Forms and instructions 6678.12, 6982.07 . Credit balance 6958.13 . . Refund 6958.13 . Credit card . . Application 6649, 6898.01 . . Issuance 6652.08, 6915 . . Offsets 6653, 6918 . . Open end credit 6652.08, 6915 . . Renewal or substitution 6652.08, 6916 . . Rights and liabilities of cardholder 6652.09, 6653, 6916.01, 6916.02 . . Solicitation 6649 . Disclosure requirements 6648.01 . . Assumption of mortgage 6958.10 . . Inconsistent state requirements 6668, 6970 . . Multiple advance loan 6672 . . Refinancing 6666, 6958.09 . . Spanish language 6970 . . Transaction-by-transaction basis 6674 . . Variable rates 6958 . Effect on state laws 6670.04, 6982.02-D . . Equivalent disclosure requirements 6669 . Enforcement agency 6678.28 . . Federal Trade Commission 6571 . Finance charges 6646, 6889 . . ATM user fees 6888, 6902.21 . . Credit life, accident, or health insurance 6647, 6889, 6893 . . Credit loss insurance 6889 . . Discount for cash 6890 . . Itemized exclusions 6647, 6891 . . Point and discount charges 6891 . . Property liability insurance premium 6889 . . Real property transactions 6892 . Foreign activities . . Consumer credit 6872.01 . FRB's Regulation E . . Electronic Fund Transfer Act 6654, 6656, 6923 . . Error resolution 6656 . Home equity plans . . Application 6652 . . Disclosure requirements 6652 . Open end credit . . Forms and instructions 6676, 6982.04 . . Right of rescission 6658, 6926.01 . Oral disclosure requirements 6969 . . Closed end credit 6668 . . Open end credit 6668 . Records maintenance and retention . . Compliance 6667, 6969 . . Inspection 6668 . Right of rescission 6659, 6926.01 . Staff commentary 6871 . Truth in Lending Act . . Effect on state laws 6668, 6970 . . Interpretations 6671, 6979 . . State exemptions 6670.05, 6975 Free money . Home equity plans . . Advertising 6588.16, 6661 Free-ride period . Open end credit . . Periodic statement 6652.05, 6906 Freedom of Information Act SEE ALSO Information availability and management . Act 8024 . Confidentiality of record . . Informants 8028 . . Investigation 8027 . . Law enforcement inquiry 8027 . Delegated authority . . Federal Reserve banks 6192 . . FRB 6182 . . FRB Division of Banking Supervision and Regulation Director 6187 . . FRB General Counsel 6185 . . FRB Secretary 6183 . Disclosure of information . . Appraisal Subcommittee (FFIEC) 8590.12, 8590.72 . . Federal Financial Institutions Examination Council 8590.12 . . Investment Company Act of 1940 9342.01 . FDIC . . Freedom of Information Act and Privacy Act Request Records 2226.11 . Fees or charges . . Limitations 8025 . Information availability and management . . FDIC 2167 . . Investment Company Act of 1940 9342.01 . . Records of other agency 2174 Freedom of Information Act and Privacy Act Request Records . FDIC . . System of records 2226.11 Frozen funds . Depository institutions . . Funds availability 7428.05 . Foreign banks and banking 4808 FSLIC Resolution Fund . Appropriations authorization 1201 . FDIC . . Audit 1248 . . Reports and reporting requirements 1247 Fulfillment . Definition 1538 Full faith and credit . Deposit insurance . . FDIC 4438 . . Savings and loan associations 4422 . . Savings Association Insurance Fund (SAIF) 4422 . . United States 4277, 4288, 4289, 4373, 4438 . Obligations . . FDIC 1241 Functionally regulated affiliates . Definition 1519 . Depository institutions . . Regulatory authority 1519 Functionally regulated subsidiaries SEE ALSO Financial subsidiaries . Bank holding company . . FRB limitations 6049 . Definition 1519, 6046.09, 6049 . Depository institutions . . Regulatory authority 1519 Funds availability SEE ALSO Delayed availability of funds . Check clearance . . Permanent availability schedules 7426 . . Temporary availability schedules 7427 . Credit union . . Policy 7418.09, 7418.68 . Depository institutions . . Business day 7418.09, 7428.04 . . Frozen funds 7428.05 . . Notice to depositors 7428.03 . Disclosure requirements . . Expedited Funds Availability Act 7428.03 . . Payable through checks 7418.09, 7418.21 . . Policy 7418.06, 7418.64, 7428.03 . Exceptions . . Doubtful collectibility 7418.03, 7418.58 . . Emergency 7418.04, 7418.59, 7418.61 . . Large deposits 7418.03, 7418.56 . . New accounts 7418.03, 7418.55 . . Redeposited checks 7418.03, 7418.57 . . Repeated overdrafts 7418.03, 7418.57 . FRB's Regulation CC . . Calculations 7418.09, 7418.73 . . Cashier's checks 7418.03 . . Certain deposits 7418.03 . . Certified checks 7418.03 . . Checks not deposited in person 7418.04, 7418.50 . . Civil liability 7418.13, 7418.76 . . Disclosure requirements 7418.09 . . Effect on state laws 7418.74 . . Effective date 7418.53 . . Exceptions 7418.03 . . Federal Home Loan Bank Board checks 7418.03 . . Federal Reserve Board checks 7418.03 . . Holds on funds 7418.12, 7418.73 . . Interest on deposits 7418.06 . . Local checks 7418.03 . . Local government checks 7418.03 . . Model clauses 7418.27 . . Model disclosure forms 7418.27 . . Model notices 7418.27 . . Nonlocal checks 7418.03, 7418.26 . . Nonproprietary ATMs 7418.03, 7418.55 . . Overdrafts 7418.04 . . Policy 7418.06, 7418.64 . . Records maintenance and retention 7418.05, 7418.12 . . Special deposit slips 7418.04, 7418.52 . . State government checks 7418.03 . . Teller's checks 7418.03 . . Treasury checks 7418.03 . . U.S. Postal Service money orders 7418.03 . . Withdrawal by cash 7418.54 . Schedules 7418.53 . . Automated teller machines 7418.70 . . Cash 7425 . . Check clearance 7426, 7427 . . Checks 7426 . . Exceptions 7428 . . Wire transfer 7425 Funds transfer SEE ALSO Transfer of funds . Definition 8484.01 Funeral services and merchandise . Insurance coverage . . Custodial account 4373 . . Passthrough accounts 4496 . . Prepayment 4482 Futures commission merchant . Customer identification program 8516.08-E . Definition 8516.08-E, 8550.25 . Delegated authority . . Federal Reserve Banks 6195 . Insured state nonmember banks . . Foreign activities 2851 Futures, forward, and standby contracts . Bank holding company . . Statement of policy . FDIC receiver or conservator . . Foreign currency transactions 4351 . Risk-based capital 2262.06-I . . Calculations 6120.13 |
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