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Accept . Definition 8482 Acceptable accounting method . Definition 7008 Accepted access device . Definition 7361 Accepted card or other means of access . Definition 6625 . Electronic fund transfers . . Issuance 6632 . Unauthorized electronic funds transfers . . Consumer liabilities 6631 Accepted credit card . Definition 6567, 6652.09 Access advice . Definition 7361, 7389 . Unsolicited access device . . Electronic fund transfers 7364, 7393 Accessible . Definition Accessible route . Definition Account schedules . Truth in Savings Act . . Distribution 7480 . . Fees or charges 7479 . . Interest rates limitation and regulation 7479 Accountant SEE Independent public accountant Accounting . Federal banking agencies . . Allocated transfer risk reserve 7629 . Insured depository institutions . . Reports and reporting requirements 1425 . International loan . . Administrative procedure 7630 . . Fees or charges 7630 . . International syndicated loan 7631 . Savings associations . . Supervision 8698 Accounting and Auditing Act of 1950 SEE Federal Banking Agency Audit Act Accounting and disgorgement . Cease-and-desist order . . Investment Advisers Act of 1940 9373 . . Investment Company Act of 1940 9300.03 . . Securities Exchange Act of 1934 9257 . Civil money penalties . . Investment Advisers Act of 1940 9371 . . Investment Company Act of 1940 9300.02 . . Securities Act of 1933 9255 Accounting firm . Audit services . . Removal or suspension 2166.40 . Definition 2166.40 Accounts . Definition 6110.16, 6605, 6625, 7210, 7362, 7374, 7389, 7414, 7418.02, 7418.40, 7424, 7429, 7459, 8397, 8516.06-D, 8516.08-A, 8516.08-E, 8516.08-J Accredited investor . Definition 8979 Acquire . Definition 1225, 8727, 8740.07 Acquiring, assuming, or resulting depository institution . Definition 1098, 8516.08, 8516.08-N Acquiring institution . Definition 2289 Acquisition . Definition 2061, 6110.11 Acquisition of control SEE ALSO Change in Bank Control Act of 1978 OR Commonly controlled depository institutions OR Nonbanking acquisitions OR Notice of acquisition of control OR Presumption of control . Adjudicatory proceedings . . Disapproval 2150 . Appropriate federal banking agency . . Comment or protest 1129 . . Disapproval 1129 . . Rebuttable presumption of control 4271 . . Reports and reporting requirements 1130.01 . Bank holding company . . Antitrust review 6050 . . Edge Corporation . . Expedited action 6095 . . FRB prior approval 6028, 6092 . . FRB prior notice 6110.11 . . Hearing 6099 . . Insolvent savings associations 6043 . . Mortgage company . . Nonbanking activities 6105 . . Notice of proposed transaction 6110.13 . . Prohibitions 6028.01 . . Reorganization 4148 . . Transactions not requiring FRB notice 6110.11 . Change in Bank Control Act of 1978 . . Exceptions 1130.03 . . Notice of proposed transaction 4234, 4984.74 . . Right holders 4109 . Delegated authority . . Federal Reserve banks 6193 . . FRB General Counsel 6184.01 . . FRB Secretary 6183 . Disapproval . . Grounds 1129, 2150 . . Judicial review 1130.01 . Emergency 1121 . . Dual service . . Economically depressed region 1232 . . Financial assistance . . Interstate transactions 1222.03 . . Minority organization 1231 . . Savings associations . FDIC . . Assistance 1220 . Federal Reserve banks . . Delegated authority 6088 . Foreign banks and banking 7628.10 . . Standards 7628.10 . Insured depository institutions 1120 . . Principal shareholder 4025 . Interstate transactions . . Nonemergency 1223 . Investigation 1120 . Notice of proposed transaction 1120, 2062, 4077, 4524 . . Reorganization 4129 . Proxy . . Interlocking relationship 4059, 4067 . . Irrevocable proxy 4078 . Savings and loan holding company 2611, 8727, 8730, 8740.06 . . Banking subsidiary 4732 . . Commercial firms 8730 . . Consolidation 8740.06 . . Insurance affiliates 8733 . . Interstate banking 8732.01 . . Merger transactions 8740.06 . . Transactions with affiliates 8730 . Statute of limitations 1130.01 . Stock ownership . . Management official 4070 . Violation . . Civil money penalties 1130.02 . Voting trust . . Representative or nominee 4092 Act . Administrative Procedure Act 8022.03 . Alternative Mortgage Transaction Parity Act of 1982 8678 . ATM Fee Reform Act of 1999 8673.27 . Bank Bribery Amendments Act of 1986 8284 . Bank Enterprise Act of 1991 8550.03 . Bank Holding Company Act 6021 . Bank Merger Act 1257 . Bank Protection Act of 1968 8073 . Bank Records and Foreign Transactions Act 8177 . Bank Service Company Act 8181 . Banking Affiliates Act of 1982 7512.06-B . Change in Bank Control Act of 1978 1120 . Civil Rights Act of 1968 6987 . Community Development Banking and Financial Institutions Act of 1994 8871 . Competitive Equality Banking Act of 1987 6989 . Consumer Checking Account Equity Act of 1980 8537 . Consumer Credit Protection Act 6565 . CRA 6988.25 . Deposit Insurance Flexibility Act 8675 . Depository Institution Management Interlocks Act 8591 . Depository Institutions Deregulation and Monetary Control Act of 1980 8537 . Edge Act 7513 . Electronic Fund Transfer Act 6625 . Emergency Homeowners' Relief Act 8547 . Equal Credit Opportunity Act 6610.48 . Expedited Funds Availability Act 7424 . Fair Credit Billing Act 6588.16 . Fair Credit Reporting Act 6600 . Fair Debt Collection Practices Act 6616 . Fair Housing Act 6987 . FDI Act 1051 . FDIC Improvement Act of 1991 8549 . Federal Banking Agency Audit Act 1248 . Federal Election Campaign Act Amendments of 1976 8531 . Federal Financial Institutions Examination Council Act of 1978 . Federal Reserve Act 7509 . Federal Trade Commission Act 8551 . Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA) 8589 . Financial Institutions Regulatory and Interest Rate Control Act of 1978 (FIRA) or (FIRIRCA) 8591 . Flood Disaster Protection Act of 1973 7497 . Food Security Act of 1985 8669 . Foreign Bank Supervision Enhancement Act of 1991 8550.01 . Foreign Corrupt Practices Act of 1977 9262 . Foreign Investment Study Act of 1974 9169 . Freedom of Information Act 8024 . Garn-St Germain Depository Institutions Act of 1982 8675 . Gramm-Leach-Bliley Act 8673.05 . Home Mortgage Disclosure Act of 1975 7301 . Home Owners' Loan Act 8695 . Housing and Community Development Act of 1992 8775 . Housing and Urban Development Act of 1968 8740.51 . International Banking Act 8785 . International Lending Supervision Act of 1983 8801 . Investment Advisers Act of 1940 9363 . Investment Company Act of 1940 9283 . Monetary Control Act of 1980 8537 . Money Laundering Control Act of 1986 8301 . Money Laundering Suppression Act of 1994 8890.18 . National Environmental Policy Act of 1969 8809 . National Flood Insurance Act 8655 . National Flood Insurance Reform Act of 1994 8890.19 . National Historic Preservation Act of 1966 8822.03 . Neighborhood Reinvestment Corporation Act 8761 . Net Worth Certificate Act 8675 . NOW Accounts . Privacy Act of 1974 8029 . Real Estate Settlement Procedures Act of 1974 7071 . Regulatory Flexibility Act 8049 . Riegle Community Development and Regulatory Improvement Act of 1994 8871 . Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 7491 . Right to Financial Privacy Act of 1978 7091 . Securities Act of 1933 8977 . Securities Exchange Act of 1934 9169 . Sunshine Act 8040 . Thrift Institutions Restructuring Act 8676 . Truth in Lending Act 6565 . Truth in Lending Simplification and Reform Act 8546 . Truth in Savings Act 7477 Acting in concert . Definition 2061, 6110.11 Active duty alert . Definition 6606 Active duty military consumer . Definition 6605 Activities SEE ALSO Banking related activities OR Domestic retail deposit activity OR Foreign activities OR Independent activity OR Insurance activities OR Investment or financial advice OR Investments OR Nonbanking activities OR Servicing activity . Definition 1324, 1352, 3118, 3124.06, 3124.11 Activity permissible for a federal savings association . Definition 3124.07 Activity permissible for a national bank . Definition 3117 Actual direct compensatory damages . Definition 1188.14 Actual thrift investment percentage . Definition 8739 Actuarial method . Definition 8544, 8776, 9529 Adequate evidence . Definition 3206 Adequate notice . Definition 6567, 6652.09 Adequately capitalized . Definition 1431, 1517, 2251, 2252, 6027, 6028, 7586.34, 8890.01 Adequately capitalized insured depository institution . Brokered deposits . . Interest rates limitation and regulation 4718, 4736, 4737 . Definition . Risk-based assessment system . . Assessment risk classification 2286 Adjacent cities, towns, or villages . Definition 2865 . Representative or nominee . . Interlocking relationship 4044 Adjudication SEE ALSO Adversary adjudication . Administrative procedure 8045 . . Hearing 8047 . Definition 8023 Adjudicative officer . Definition 8022.02 Adjudicatory proceedings SEE ALSO Rules of practice and procedure . Acquisition of control . . Disapproval 2150 . Amendment 2136 . Appearance or practice before an administrative law judge 2129 . Appearance or practice before FDIC 2129 . . Sanction 2148 . Cease-and-desist order 2157 . . Effective date 2158 . Civil money penalties 2159 . . Collection 2160.03 . Commonly controlled depository institutions 2166.06 . Conflict of interest 2130 . Definition 2128 . Deposition 2138 . Disbarment 2149 . Document discovery 2137, 2147 . Evidence 2144.01 . Ex parte communication 2131 . Failure to appear 2136 . FDI Act, section 8(p) . . Termination of insurance 2155 . FDI Act, section 10(c) . . Investigation 2163 . FDI Act, section 32 . . Notice of change 2165 . FDIC Board of Directors 2145 . . Final decision and order 2145 . . Interlocutory review 2141 . FDIC Executive Secretary 2146 . Fees or charges . . Application 2166.07 . . Awards 2166.10 . . Eligibility 2166.02 . . Recommended decisions 2166.12 . . Settlement 2166.12 . Felony . . FDI Act, section 19 2166.01 . . Participation in bank affairs prohibited 2166.03 . . Removal or suspension of institution-affiliated party 2166.03 . Good faith certification 2130 . Hearing 2143, 2144 . . Recommended decisions 2144.02 . . Transcript 2144 . Interlocutory appeal . . Collateral attacks 2134 . Motion 2136 . Municipal securities dealer . . Sanction 2160.03 . Service of documents 2132 . Stay . . Judicial review 2145 . Subpoena . . Compliance 2139, 2141 . . Witness fees 2134 . Summary disposition 2141 . Temporary cease-and-desist order 2158 . Termination of insurance 2153 . . Foreign banks and banking 2153 . . Notice 2153, 2154 . . Savings associations 2156 . . Temporary suspension 2155 . Uniform rules of practice and procedure 2126 Adjustable rate mortgage loan . Definition 6989 Adjusted attributable deposit amount . Definition 2296.01, 2296.03 . Deposit insurance funds 2296.04 . Grandfather provisions 2296.03 . Interpretations 2296.03 . Merger transactions . . Branch deposits 4945 Adjusted carrying value . Definition 2262.06-B-3 Adjusted income . Definition 1486 Adjusted Part 325 total assets . Definition 2044 Administrative . Definition 7628.25 Administrative and Personnel Action Records . FDIC . . System of records 2207 Administrative cost . Definition 2864.04 Administrative enforcement . appropriate federal banking agency . . Disclosure of information 1149 . . Foreign financial regulatory authority 1150 . Civil money penalties . . Prejudgment attachment 1144.01 . Delegated authority . . Federal Reserve banks 6191 . Disclosure by FDIC 1149 . Fair Housing Act 6988.07 . FDIC Improvement Act of 1991 . . Truth in Savings Act 7483 . Federal savings associations . . Office of Thrift Supervision, Director 8704 . Federal Trade Commission . . Electronic Fund Transfer Act 6635 . . Equal Credit Opportunity Act 6613 . . Expedited Funds Availability Act 7428.07 . . Fair Credit Reporting Act 6610.31, 7196.17, 8551 . . Fair Debt Collection Practices Act 6623, 6624.20 . . FRB's Regulation B 7225 . . Gramm-Leach-Bliley Act 8673.05 . . Truth in Lending Act 6571 . FRB . . Expedited Funds Availability Act 7428.07 . . FRB's Regulation CC 7418.02 . . Home Mortgage Disclosure Act of 1975 7276, 7306 . Interagency notice . . FDIC statement of policy 5075 . Restitution 5049, 6572 . Savings and loan holding company . . Office of Thrift Supervision, Director 8733 . Savings associations 1267 Administrative hearing SEE Hearing Administrative law judge . Adjudicatory proceedings 2136 . . Testimony 2147 . Definition 2128, 2166.20 . Fair housing 9793 . Rules of practice and procedure . . Appointment 2146 . . Authority 2129 . . Office of Financial Institution Adjudication (OFIA) 2146 Administrative offset . Corporate debt collection 2238.03, 2238.20 . Definition 2238.04 Administrative procedure SEE ALSO Rules of practice and procedure . Adjudication 8045 . Advertising . . Rules and regulations 8022 . Agency . . Biennial report to Congress 8035, 8036.03 . Ancillary matters 8046 . Armed forces reserves 8022 . Bank Records and Foreign Transactions Act 8179 . Clearing agency . . Review 2166.19 . Corrective action . . Capital adequacy 2166.13 . . Removal or suspension of institution-affiliated party 2166.15 . Criminal laws and procedures 8311 . Decision . . Agency review 8047 . Delegated authority . . FRB General Counsel 6184.01 . Fair Housing 9791 . . Complaints 9665 . . Secretary of Housing and Urban Development 6988.05 . FDIC receiver or conservator . . Disclosure requirements 1191 . Fees or charges . . Adversary adjudication 8022.01 . Government organization and employees . . Proceedings 8021 . Hearing . . Adjudication 8046 . . Rule making 8046 . . Witness fees 8022 . International loan . . Accounting 7630 . Judicial review 8055 . . Form and venue of proceeding 8055 . . Scope 8056 . National Guard member 8022 . Program Fraud Civil Remedies Act 2166.20 . . Assessment 2166.22, 2166.34 . Rule making 8044 Administrative Procedure Act . Act 8022.03 Administrative subpoena and summons . Financial record . . Law enforcement inquiry 7093 Administrator . Definition 8871, 8822.34 ADTV . Definition 9403 Advance payments . Definition 6670.02 Advanced internal ratings-based (IRB) systems . Definition 2262.22, 6120.44 Advanced systems . Definition 2262.22, 6120.44 Adversary adjudication . Administrative procedure . . Fees or charges 8022.01 . Definition 8022.02 Adverse action . Definition 6603, 6611, 7210, 7249 . Loan and credit applications . . Equal Credit Opportunity Act 6610.19 . . Notification of action 7218, 7240, 7262 . . Statement of specific reasons 7218, 7263 Adverse comment . Definition 2044 Advertisement . Definition 6643, 6685, 6719, 6873, 7429, 7459 Advertising SEE ALSO Billboard advertising OR Catalog and multipage advertisements OR Official sign OR Official statement . Administrative procedure . . Rules and regulations 8022 . Agency requirements . . Solicitation of deposits 4245, 4263, 4712 . Bank services . . Official sign 4712 . Certificate of deposit 4984.37, 4984.38, 4984.52 . . Rewards 4984.52 . Consumer credit practices . . Loans or extensions of credit 7213, 7254 . Consumer leases 6592.02, 6691, 6732 . . Radio 6592.02 . Credit other than open end . . Disclosure requirements 6588.14-A . Credit union . . Deposit insurance 4984.53 . . Safe and sound banking practices 4984.53 . Deposit accounts 7435, 7459, 7470, 7477 . . Deposit broker 4741, 4984.37, 4984.38, 7429 . . Interest on deposits 1262, 7432, 7478 . . Sample forms 7452 . Fair housing 2647 . . Discriminatory practices . . FRB's Regulation B 4420 . . Housing assistance programs 9715 . . Scope 2647 . FDIC . . Member of FDIC 2299 . . Official statement 2299 . FRB's Regulation M . . Consumer leases 6691, 6731 . FRB's Regulation Z . . Annual percentage rate 6667 . . Catalog and multipage advertisements 6667, 6966 . . Finance charges 6667 . . Open end credit 6660, 6932 . Home equity plans 6588.15, 6660, 6933 . . Balloon payment 6588.16 . . Fees or charges 6588.15 . . Free money 6588.16 . . Tax implications 6588.15 . Insurance coverage 4984.34 . Insurance activities 1527 . Internet banking . . Official sign 4984.54 . Lottery 1297 . Misuse of name to indicate federal agency 8289 . Night depository . . Official sign 4777, 4852 . Official statement . . Rate tables or charts 4510 . Open end credit 6588.14-A . . Annual percentage rate 6657, 6924 . . Catalog and multipage advertisements 6660, 6933 . . Disclosure requirements 6932 . Risk-based assessment system . . Assessment risk classification 2250, 2288 . Savings associations 4406.01, 8740.08 . . Official sign 4569, 4681 . Truth in Lending Act . . Catalog and multipage advertisements 6588.14 . Truth in Savings Act . . Checking account charges 4958 . . FRB's Regulation DD 4908 Advisory boards . Definition 9284 . Management official . . Financial institutions 4028 Advisory Commission on Financial Services . Establishment 7495 Advisory director SEE ALSO Insider . Honorary director . . Management official 4056, 4062 . Interlocking relationship . . Management consulting to depository institutions 4099 . . Management official 4121 . . Newly-chartered organization 4115 . Registered securities . . Form F--7 Initial Statement of Beneficial Ownership of Equity Securities . . Form F--8 Statement of Changes in Beneficial Ownership of Equity Securities Affiliate . Definition 2262.22, 3249, 6120.44 Affiliate of the issuer . Definition 9258.17 Affiliate relationship . Definition 7007 Affiliated business arrangement . Definition 7072 . RESPA . . Referrals 7006 Affiliated business entity . Definition 3206 Affiliated company . Definition 9284 Affiliated corporation . Definition 7658 Affiliated insured bank . Definition 1225 Affiliated person . Definition 9176.04, 9284, 9364 . Investment Company Act of 1940 . . Registered investment company 9332 . . Securities transactions 9311 Affiliated purchaser . Definition 9404 Affiliated securities association . Registered securities association 9224, 9228, 9240 Affiliates SEE ALSO Functionally regulated affiliates OR Institution-affiliated party OR Loans or extensions of credit to affiliates OR Mortgage banking affiliates OR Subsidiaries OR Transactions with affiliates . Application . . Deposit insurance 4246 . Bank holding company . . Interest in nonbank shares 6031 . Banking Affiliates Act of 1982 . . Limited partnerships 4743 . Beneficial ownership . . Interlocking relationship 4057, 4124 . . Proxy 4118 . . Voting trust 4118 . Branch establishment, operation, or relocation . . Contract branches 4371, 4545, 4793 . . Interstate banking 4944 . Capital notes . . Investments 4112 . Common shareholders . . Company 4611 . Commonly controlled depository institutions . . Chain banks 4611 . . Cross-guaranties 5327 . Covered transaction . . Contract 4296.02 . . Employee stock ownership plan 4544 . Credit union . . Federal Reserve Act, section 22(h) 4112 . . Interlocking relationship 4112 . Definition 1072, 1130, 1264, 2390, 2409, 2735, 2782, 2844.02, 2846, 2856, 2865, 3124.06, 3124.07, 3124.12, 6084, 6588.05, 6670.02, 7512.07, 7512.12, 7581, 7612, 7628.04, 7642, 7760, 7805, 8392, 8516.12, 8550.08-B, 8550.28-A, 8591, 8673.09, 8673.22, 8695, 8727, 8804, 8872, 9238.01, 9404, 9407 . Discount brokerage service . . Powers inconsistent with FDI Act 4242 . Employee stock ownership plan 4818 . . Covered transaction 4544 . . Insured banks 4449 . Examination 1171 . . Fees or charges 1174 . . Foreign banks and banking 1171 . Financial subsidiaries 7512.10 . FRB's Regulation O . . Divestiture 4066 . . Shareholders 4607 . Insurance coverage . . Deposits 4224 . Insured banks . . Brokerage service 4258 . . Employee stock ownership plan 4449 . Insured nonmember banks . . Common name or logo 4260 . . Interlocking relationship 4167, 4182 . . Restrictions 4189, 4211 . . Securities 4211 . . Securities subsidiaries 4139, 4217, 4232, 4274, 4343, 4384, 4385 . Insured state nonmember banks . . Mortgage-backed securities 4287 . Interlocking relationship . . Notice of acquisition of control 4267 . Management official . . Beneficial ownership 4029 . . Depository Institution Management Interlocks Act 4029 . . Interlocking director 4036 . Merger transactions . . Conversion transactions 4444 . Overdrafts . . Federal Reserve banks 6110.17 . . Industrial banks 6110.17 . Real property loans 4820 . . Standards 4820 . Savings associations . . Civil money penalties 8725 . . Fees or charges 8724 . Securities transactions . . Restrictions 4239 . . Specialist 4268 Affinity groups . Deposit broker 4813 . . Registration 4762, 4770 Affordable Housing Advisory Board . Establishment 1488 Affordable housing discount . Definition 1475 Affordable housing program SEE ALSO Low-income housing . Definition 1489 . FDIC . . Bulk sales 1482 . . Clearinghouses 1476, 1477, 1483 . . Current residents 1479 . . Eligible condominium property 1483 . . Eligible multifamily housing property 1477 . . Eligible single family property 1476 . . Financial infeasibility 1479 . . Financing a sale 1480 . . Nonprofit organizations 1476, 1482 . . Occupancy requirements 1478, 1484 . . Public agency 1482 . . Recapture of profits 1476, 1484 . . Rent limitation 1479, 1484 . . Reports and reporting requirements 1486 . . Transfer of property to housing agencies 1482 Affordable Housing Program Records . FDIC . . System of records Age SEE ALSO Housing for older people . Definition 7210 . Loan and credit applications . . Consumer credit practices 7215 . . Open end credit 7256 Aged record difference . Definition 9438.04 Agency . Definition 2238.01, 7628.04, 7787, 8021, 8022, 8022.03, 8028, 8029, 8040, 8050, 8055, 8281, 8785, 8822.27 Agency action . Definition 8023 Agency fees . International loan . . Accounting 7631 Agency of the United States . Definition 8310.01 Agency procedures SEE Administrative procedure Agency proceedings . Definition 8023 Agency records SEE ALSO Exempt records . Archival record 8036 . Copies availability . . Jurisdiction of court 8025 . FDIC . . Freedom of Information Act and Privacy Act Request Records 2226.11 . . Time requirements 8026 . Privacy Act of 1974 . . Agency requirement 8032 . . Agency rules 8034, 8590.51 . . Amendment 2190, 8590.54 . . Disclosure requirements 8031, 8590.53 . . Effect on other laws 8036.03 . . Exemptions 2192, 8590.53 . . Fees or charges 2192, 8590.58 . . Government contractor 8036 . . Information availability and management 8032 . . Penalties 2192, 8590.58 . Proceedings . . Agency decision 8047 . United States Congress . . Information not withheld 8027 Agent . Definition Agent independent of the issuer . Definition 9404 Agent or trustee . Insurance coverage 2356 . . Escrow account 4187 . . Money orders 4535 . . Notice to depositors 4796 . . Pension plan 4410 . . Profit sharing plan 4410 . . Recordkeeping requirement 4216 . . Trust funds 4194 Aggregate amount of covered transactions . Definition 7512.08 Aggregate analysis . Definition 7008 Aggregate invesment . Definition 3120 Aggregate lending limit . FRB's Regulation O . . Control of a company or bank 4017 . . Executive officer 4018, 4020, 4649, 4670 . . Insider transactions 2638, 4023, 7512.06, 7647 . . Mortgage loan 4018 . . Partnership 2638, 4649 . . Related interest 4020 . . Voting trust 4018 Aggregation of deposits SEE ALSO Husband and wife aggregate account . Insured depository institutions . . Insurance coverage 1184 Aggrieved person . Definition 6987, 9654, 9792 Agreement . Definition 1538 Agreement Corporation . Delegated authority . . FRB Division of Banking Supervision and Regulation Director 6187 . Export trading companies . . Investments 7628.23 . FRB's Regulation K . . Foreign activities 7619, 7621 . . Foreign branch establishment 7614 Agricultural banks . Definition Agricultural loans . Interest rates limitation and regulation . . Penalties 8545 . . State usury laws 8545 Agricultural products SEE ALSO Farm product . Definition 6567, 6884 Agricultural purpose . Definition 6567, 6686, 6720, 6885 Allocated transfer risk reserve . Definition 6117 . Delegated authority . . FRB Division of Banking Supervision and Regulation Director 6188 . International loan . . Accounting 2864.05, 7629 . . Federal banking agencies 7628.25 Allowance for loan and lease losses . Capital adequacy 6117 . Definition 2241 . FDIC Statement of Policy 5452.01, 5453 Alternative dispute resolution . Arbitration . . Binding 5383 . FDIC Statement of Policy 5381 . Pilot program . . Federal banking agencies 8890.13 Alternative means of dispute resolution . Definition 8890.14 Alternative mortgage transaction . Definition 8678 Alternative Mortgage Transaction Parity Act of 1982 . Act 8678 . Home mortgage 8678 Amend . Definition 2188 Amended order to pay . Definition 2044 Amendment . Definition 2188 American depository receipts . Closed insured depository institutions 4858 American Samoa SEE Pacific Island bank Amortization SEE Depreciation and amortization OR Loan loss amortization Annual disclosure statement . Insured state nonmember banks 2905 . . Alternatives 2906 . . Safe harbor 2908 Annual escrow account statement . Definition 7009 Annual percentage rate . Construction loans 6672, 6982.03 . Definition 6656, 6924 . Determination 6570.01 . . Advertising 6657, 6667, 6924 . . Computation of rates 6675, 6678.29, 6959, 6982.04 . . Daily periodic rate 6657, 6926.01 . . Mortgage loan . Disclosure requirements 6588, 6588.04, 6664 . . Charge card 6649, 6899 . . Credit card 6649, 6899 . . Home equity plans 6651, 6902.02, 6902.08 . . Home mortgage 6588.05 . . Initial disclosure statement 6657, 6924 . . Oral disclosure requirements 6588.15, 6668, 6969 . . Periodic statement 6652, 6657, 6902.06, 6905, 6925 . . Residential mortgage transactions 6957 Annual percentage yield . Advertising . . Interest on deposits 7432, 7435 . Calculations . . Periodic statement 7440 . . Stepped rate account 7437 . . Tiered-rate account 7438 . . Variable rate account 7437 . Definition 7429 Annual rate of simple interest . Definition Annual report . Bank holding company 6090 . CRA-related agreements 2842 . . Covered agreement 2842 . . Disclosure requirements 2835, 2841 . . Reports and reporting requirements 2842 . Delegated authority . . FRB Secretary 6183 . . FRB Secretary of Federal Open Market Committee 6190.02 . Executive officer . . Records maintenance and retention . Extensions of credit . . Correspondent banks . . Executive officer . . Principal shareholder . Form TA-2 Form for Reporting Activities of Transfer Agents Registered Pursuant to Section 17A or the Securities Exchange Act of 1934 . . Securities and Exchange Commission 9432.16 . Investment Advisers Act of 1940 . . Securities and Exchange Commission 9374 . Mutual savings banks . . Correspondent banks . Office of Thrift Supervision, Director 8696 . Principal officer . . Records maintenance and retention . Registered investment company . . Financial statement 9332 . Registered transfer agent . . Internal accounting control 9438.06 Annual report on financial condition and management . Insured depository institutions . . Audited financial statements 1419, 3162.03 . . Independent public accountant 1419 . . Management responsibilities 1419 Annual report to Congress SEE ALSO Report to Congress . Appropriate federal banking agency 1426 . . Accounting principles and practices 1426 . . Change in Bank Control Act of 1978 1130.01 . . CRA 6988.27 . . Federal Trade Commission Act 8569 . Fair Debt Collection Practices Act . . Federal Trade Commission 6624, 6624.20 . FDIC 1247 . . Financial assistance 1220 . Federal Financial Institutions Examination Council 8598 . FRB . . Electronic Fund Transfer Act 6636 . . Equal Credit Opportunity Act 6616 . Investment Advisers Act of 1940 . . Securities and Exchange Commission 9380 . Investment Company Act of 1940 9342.01 . Merger transactions . . Bases for merger transactions 1259 . Neighborhood Reinvestment Corporation 8764 . Secretary of the Treasury . . Records and reports on monetary instruments transactions 1305 . Securities Exchange Act of 1934 9258.09 . Sunshine Act 8043 . Truth in Lending Act . . Attorney General 6575 . . FRB 6575 Annual report to shareholders requirement . Meetings . . Liabilities 9240.04 . Securities Exchange Act of 1934 . . Liabilities 9239 Annual statement . Open end credit . . Disclosure requirements 6652.06, 6908 Annuity contract . Definition 8486.02 Annuity contract account SEE ALSO Investment annuity account OR Pension plan . Insurance coverage . . Custodial account 2356, 4493 . . Deferred income accounts 4321 . . Profit sharing plan ANSI A117.1-1986 . Definition Anti-Drug Abuse Act of 1986 SEE Money Laundering Control Act of 1986 Antifraud rules SEE ALSO Fraudulent and manipulative practices . Safeguards . . Delayed availability of funds 7428.02 . Securities transactions 9401 . . Issuer tender offer 9413 . . Prohibitions 9401 . . Rule 13e-3 (SEC) transaction 9409 . . Securities Act of 1933 8991, 9208 . . Securities Exchange Act of 1934 9194.01, 9208, 9212, 9217 . Tender offer 9215 . . Nonpublic information 9430.01 Antitrust laws . Bank holding company 6050 . Definition 1259, 1517, 6028, 6051, 8673.09 . FDI Act, Section 13(c) . . Financial assistance 6050 . Merger transactions 1259 Appeal . FDIC receiver or conservator . . Claims 1190 . Federal banking agencies . . Independent appellate process 8890.13 Appearance or practice before an administrative law judge . Adjudicatory proceedings 2129 Appearance or practice before FDIC . Adjudicatory proceedings 2129 . . Sanction 2148 Applicable cutoff time . Definition 3088.01 Applicable electioneering communication . Definition 8533 Applicable external rating . Definition 2262.22, 6120.44 Applicable inferred rating . Definition 2262.22, 6120.44 Applicant . Definition 2044, 6612, 7210, 7250, 9715, 9792 Application SEE ALSO Filing procedures . Definition 2044, 6992, 7210, 7242, 7288, 7271, 9792 Application for a deposit facility . Definition 6988.25 Appointment . Delegated authority . . Federal Reserve banks 6192 . . FRB Division of Banking Supervision and Regulation Director 6189 . FDIC . . Claim agent 1171 . . Examiners 1171 . FDIC receiver or conservator . . Closed insured depository institutions . . FRB 7509 . . Grounds 1188.03 . Insured nonmember banks . . Security officer 2264 . Management official . . Depository institution holding company 1391 . . Troubled institutions 1391 . Office of Thrift Supervision, Director 8696 . Rules of practice and procedure . . Administrative law judge 2146 Appraisal fees . Finance charges . . FRB's Regulation Z 6647 Appraisal Foundation . Definition 2239, 6110.19 Appraisal reports . Application for credit . . Loans secured by a dwelling 7223, 7264.04 . Definition 7223, 7264.05 Appraisal Subcommittee (FFIEC) . Authority 8590.71 . Definition 2239, 6110.19, 8590.51 . Disclosure of information 8590.12, 8590.72 . . Appeal 8590.13 . . Exemptions 8590.12 . . Fees or charges 8590.13, 8590.72 . . Interest 8590.15 . . Request 8590.13, 8590.15 . . Requester categories 8590.15 . . Subpoena 8590.16 . . Testimony 8590.16 . . Time requirements 8590.13 . Federal Financial Institutions Examination Council . Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA) . . Chairperson 8582 . . Fees or charges 8584 . . Functions 8582 . . Powers 8583 . . Standards 8582 . . State certified or licensed appraiser 8582 . Organization 8590.71 . Privacy Act of 1974 . . Access to records 8590.51 . . Denial 8590.53 . . Exclusion 8590.53 . . Fees or charges 8590.58 . . Medical records 8590.53 . . Violation penalties 8590.58 . Rules of practice and procedure 8590.31 . . Authority 8590.31 . . Burden of proof 8590.35 . . Conduct of hearing 8590.33 . . Disclosure of information 8590.33 . . Extension of time 8590.34 . . Filing requirement 8590.32, 8590.36 . . Final decision 8590.37 . . Judicial review 8590.37 . . Notice of intention to institute proceedings 8590.35 . . Rules of evidence 8590.34 . . Service of documents 8590.32, 8590.33 . . Settlement 8590.36, 8590.37 . . Waiver 8590.22 Appraisals SEE ALSO Uniform Standards of Professional Appraisal Practice . Assets acquisition or disposition . . Real property loan 4612 . Business loan . . Exemptions 4884 . Construction loans . . Exemptions 4707 . Definition 2239, 6110.19 . Fair Credit Reporting Act . . Credit transactions 6611 . Federally-related mortgage loans . . Refinancing 4617 . Federally-related transactions . . Disaster areas . . Violation . Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA) . . Report to Congress . . Standards 8590.01 . . State certified or licensed appraiser 8590.02 . . Study . Loans or extensions of credit . . Renewal exemption 4507 . Nonrecourse financing . . Loan participations 4572 . . Mortgage loan 4572 . Real estate . . Authority 2239, 6110.19 . . Change in obligors 4742 . . Discriminatory practices . . Exemptions 4884, 4894 . . Federally-related transactions 4617 . . GAO study 8590.02 . . Independent appraiser 2240.02, 6110.22 . . Line of credit 4525 . . Loans or extensions of credit 4529 . . Mortgage broker 4593 . . Nonbanking activities closely related to banking 6102 . . Requirements 2240.01 . . Standards 2240.02, 4555, 6110.22 . . State certified or licensed appraiser 2240.01, 6110.21 . . Transaction value 4610 . Real estate-related financial transactions 4612 . . Collateral 4502 . . FDIC Statement of Policy 5463 . . Refinancing 4601, 4605, 4609, 4617, 4673 Appraiser . Definition 6670.04-K Appraisers SEE ALSO State appraiser certifying and licensing agency . Competency 2240.03, 6110.23 . Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA) . . Certification 8590.02 . . Federal financial institutions regulatory agencies 8590.01 . . Licensing 8590.02 . . State appraiser certifying and licensing agency 8590 . . Waiver 8590.22, 8590.23 . Independent appraiser . . Real estate appraisals 2240.02, 6110.23 . Professional association . . Membership 2240.03, 6110.23 . State certified or licensed appraiser 4555 . . Appraisal Subcommittee (FFIEC) 8590 . . Real estate appraisals 2240.01, 6110.21 . Temporary practice . . Fees or charges . Waiver 8590.22 . . Certification 8590.22 . . Extension of time 8590.23 . . Licensing 8590.22 . . Termination 8590.23 Appropriate FDIC office . Definition 2045 Appropriate FDIC region . Definition 2044 Appropriate FDIC regional director . Definition 2044 Appropriate federal banking agency . Definition 1070, 1269, 1424.01, 2844.03, 3080, 3249, 6027, 8181, 8392, 8550.08-B, 8550.21, 8673.13, 8673.16, 8801, 8871, 8890.01, 8890.02, 9219, 9337, 9369, 9378 Appropriate federal depository institutions agency . Definition 8592 Appropriate federal financial institutions regulatory agency . Definition 1139 Appropriate federal financial supervisory agency . Definition 6988.25 Appropriate Federal Reserve Bank . Definition 7628.05 Appropriate qualified registered securities depository . Definition 9440.03 Appropriate regional director . Definition 2044 Appropriate regulatory agency . Definition 2708, 8246, 8275, 9178, 9438 Appropriate state . Definition 1208 Appropriate supervisor . Definition 1509 Appropriate supervisory office . Definition 5305 Arbitrage transaction . Arbitrage account 7664 . Registered securities . . Insider transactions 9231 . Securities transactions . . Securities Exchange Act of 1934, section 16 exemption 9432.15 . Special purpose credit 7765 Arbitration . Alternative dispute resolution 5383 . Binding 5383 . FDIC Statement of Policy 5383 Archival record . Agency records 8036 Area median income . Definition 2782, 2865 Arizona . Truth in Lending Act requirements . . Preemption 6972, 6973 Armed forces reserves . Administrative procedure 8022 Arrange a lease . Definition 6721 As principal . Definition 3117, 3124.11 Assault and resistance SEE ALSO Interference, coercion, or intimidation . Examiners 8296 . . Duties 8282 . United States employees 8296 . . Duties 8282 Assessment SEE ALSO Financial factor assessment OR Payment of assessment OR Risk-based assessment system . Assessment base . . Computation of assessment base 2287 . . Deposits 4587 . . Newly insured institutions 2287 . . Quarter-end balances and average daily balances 2286 . Assessment rate schedule . . Additional risk considerations for large risk category I institutions . . Base assessment 2296.01 . . Method to derive pricing multipliers and uniform amount 2296.02 . . Numerical version of long-term debt issuer ratings 2296.02-D . Assessment rates . . Assessment risk assignment 2285 . . Designated reserve ratio 2286 . . Disclosure restrictions 2286 . . Limited use of assessment risk assignment 2286 . . Payment of assessment at rate assigned 2285 . . Request for review 2285 . Assessment risk categories and pricing methods 2291 . . Capital evaluations 2291 . . Determining assessment rates for risk category 1 institutions 2292 . . Risk categories 2291 . . Supervisory evaluations 2291 . Bank holding company . . Risks 9234.01 . Branches . . Deposit liabilities 1112 . Certified statement 1117, 2282 . . Amendment by institution 2282 . . Availability and access 2282 . . Requests for revision of assessment computation 2282 . . Retention of institution 2282 . . Review of institution 2282 . Change in Bank Control Act of 1978 . . Collection 1130.05 . Conversion transactions . . Oakar bank 2296.01, 4452 . . Savings associations 8738 . Definitions 2289, 2290 . Deposit-transfer transaction 2289 . Implementation of one-time assessment credit . . Application of credit 2296.03 . . Determination of aggregate credit amount . . Determination of eligible institution's credit amount 2296.02 . . Request for review of credit amount 2296.03 . . Transferability of credits 2296.02 . Implementation of dividend requirements . . Allocation and payment of dividends 2296.04-B . . Annual dividend determination 2296.04-A . . Request for review of dividend amount 2296.04-B . . Sunset date 2296.04-C . Payment of assessments 1117 . . Apportionment 1118 . . Assessment payment 2283 . . Enforcement 1118, 1119 . . Necessary action, sufficient funding by institution 2284 . . Payment adjustments in succeeding quarters 2284 . . Penalties 1117, 1257 . . Quarterly certified statement invoice unavailable 2285 . . Request for revision of computation of quarterly assessment payment 2284 . Payment of interest on assessment underpayments and overpayments . . Payments of interest 2289 . . Interest rates 2289 . Program Fraud Civil Remedies Act 2166.20 . . Administrative procedure 2166.20 . Refunds . Risk-based assessment system 1114 . Savings associations . . Collection 1130.05 . . Office of Thrift Supervision 1130.05 . Special assessments 1116 . Summary of deposits . . Condition of reports 1112 . Terminating transfers; other terminations of insurance . . Acquirer using quarter-end balances 2288 . . Assessment for quarter in which the terminating transfer occurs 2287 . . Assumption of deposits 1147 . . Insured banks 1131 . . Resumption of insured status before insurance of deposit ceases 2288 . . Terminating institution's final two quarterly certified statement invoices 2287 . . Trust funds 1147 Assessment area . CRA 2786.10 . Definition 2782 Assessment base . Assessment . . Unposted credits or debits 2288 . Average assessment base . . Calculations 2288 . Cash letters . . Bankers' bank 4644 . Deposits . . Pension plan 4293 . . Repurchase agreements 4613 . Foreign banks and banking 2859 Assessment credits . Community development financial institution fund 8884 . FDIC Improvement Act of 1991 . . Bank Enterprise Act of 1991 8550.04 Assessment period . Definition 2289 Assessment rates . Assessment risk classification 2286 . . Disclosure restrictions 2250, 2286 . Bank Insurance Fund (BIF) . . Authority 1114, 1130.05 . . Offsets 1130.04 . . Recapitalization 1115 . . Reserve ratios 1114, 1130.04 . Closed insured depository institutions 1130.04 . FDIC Improvement Act of 1991 . . Bank Enterprise Act of 1991 1116, 8550.03 . . Community Enterprise Assessment Credit Board 1116 . Newly insured institutions 1130.03 . . Offsets 1130.04 . . Premiums 1130.04 . . Reserve ratios 1130.04 . Notice 1115 . Oakar bank 2296.01 . . Offsets 4592 . Risk-based assessment system 1114, 2294 . . Interpretations 2296.01 . Savings Association Insurance Fund (SAIF) 1115 . . Authority 1130.05 . . Offsets 1130.04 . . Recapitalization 1115 . . Reserve ratios 1114, 1130.04 Assessment risk classification SEE Risk-based assessment system Asset-backed commercial paper (ABCP) program sponsor . Definition 2262.22, 6120.44 Asset-backed commercial paper (ABCP) programs . Definition 2262.06-C, 2262.22, 6120.44 Asset-backed security . Definition 2756 Asset coverage . Definition 9316 Asset growth . Brokered deposits 4533 . Undercapitalized insured depository institution 1434, 1435 . Unsafe or unsound practices or conditions . . Limitations 1457 Asset quality SEE ALSO Low-quality asset . Safe and sound banking practices . . Standards 1455 Asset securitization . Definition 6120.02-C Assets SEE ALSO Attachment of assets OR Concealment of assets OR Intangible assets OR International assets OR Low-quality asset OR Pledge of assets OR Risk assets OR Total assets OR Transfer of assets and liabilities . Change in Bank Control Act of 1978 . . Default 4154 . FDIC . . Report to Congress 1249 . Foreign banks and banking . . FDIC receiver or conservator 8788 . . Pledge of assets 4286 . Real estate mortgage . . Servicing rights 4333, 4375 . Risk assets . . Calculations 2261 Assets acquisition or disposition SEE ALSO Merger transactions . FDIC receiver or conservator 1222.01 . . Claims 1188.12-A . Real property loan . . Real estate appraisals 4612 Assets classified loss . Definition 2242 Assets liquidation . Bank holding company . . Exemption from ownership or control prohibition 6033 . FDIC receiver or conservator . . Commercial property 1192 . . Economic impact 1188.18-A . . Forward currency obligations 4351 . . Homeless families 1192 . . One-to-four family residential property 1192 . . Prohibited purchasers 1189, 2679 . . Receivership and liquidation 4169 . . Repurchase agreements 4325 Assets transfer SEE Transfer of assets and liabilities Assets under management . Definition 9373 Assignment . Civil liability 6588.08 . Definition 9284, 9363 . Loan servicing . . Disclosure to applicant 7074 Assignment of claims SEE Subrogation of FDIC Assistance SEE ALSO Financial assistance . Definition 9704 Assistant Federal Reserve agents . Delegated authority . . Federal Reserve banks 6192 Assistant Secretary . Definition 9654, 9781 Associate . Definition 7007, 7072 Associate director . Definition 2044 Associated person . Definition 2679, 8246, 8279 Associated person of a transfer agent . Definition 9184 Association account . Insurance coverage 2361, 4266 Association of financial institutions . Definition 8516.04, 8516.06 Association rules . Definition 9177 Assumed . Definition 9535 Assumption of deposits . Deposit liabilities . . Prior approval 4324 . Insurance coverage . . Separate coverage 4410 . Insured banks . . Certification to FDIC 2109 . . Notice to depositors 2109 Assumption of liability SEE Merger transactions Assumption policy . Credit other than open end . . Disclosure requirements 6665, 6955 At one time . Definition 8482 ATM SEE Automated teller machines Attachment of assets SEE ALSO Prejudgment attachment . FDIC receiver or conservator . . Court order 1188.13 Attorney . Appearance or practice before an administrative law judge 2129 . Appearance or practice before FDIC 2129, 2148 . Fees or charges 2166.07 . Insurance coverage . . Passthrough accounts 4524 . Interlocking director . . Depository organization 4039 Attorney--Legal Intern Applicant Records . FDIC . . System of records 2203 Attorney for the government . Definition 8310.01 Attorney General . Definition 9654, 9792 . Depository Institution Management Interlocks Act . . Authority 8596 . Fair Housing Act . . Administrative enforcement 6988.15 . Merger transactions . . Approval 1258 . . Bank Holding Company Act 6050 . Prohibited foreign trade practices . . Guidelines 9260, 9264 . . Opinion 9260, 9264 . Removal or suspension of institution-affiliated party 1138 . Truth in Lending Act . . Annual report to Congress 6575 Audit SEE ALSO External auditing program OR GAO audit, review, or report . Bank holding company . . Subsidiaries 1423 . Definition 5305 . External auditing program . . FDIC Statement of Policy 5299 . FDIC . . Federal Banking Agency Audit Act 1248 . . Report to Congress 1247 . Independent public accountant 1421, 3162, 3162.04 . . Removal or suspension 2166.39 . Insured depository institutions 3161 . . Audit committee 1420, 3162.01, 3162.06 . . Compliance with laws and regulations 3162.08 . . Exemptions 1423, 3161 . . Foreign banks and banking 3162.01 . . Guidelines 1420, 3162.01 . . Independent public accountant 1421, 3162, 3162.04 . . Reports and reporting requirements 1422, 3161, 3162, 3162.03, 3162.05 . . Subsidiaries 3161, 3162.03 . Net worth . . Bank Insurance Fund (BIF) 1240, 1248 . . Savings Association Insurance Fund (SAIF) 1240, 1248 . Noninsured institutions . . Private deposit insurer 1507 . Office of Thrift Supervision, Director 8697 . Registered securities . . Illegal acts 9194.02 Audit authority . General Accounting Office . . FDIC 1247, 1248 . . International Lending Supervision Act of 1983 8805 Audit Committee . Definition 5305, 9186.01 . Delegated authority 9194.04 . Disclosure requirements 9194.04 . Insured depository institutions 1420, 3162.01, 3162.06 . Registered public accounting firm 9194.04-A . Reports and reporting requirements 9194.04 Audit services . Definition 2166.40 . Independent public accountant . . Removal or suspension 2166.39 Audited financial statements . Bank Insurance Fund (BIF) reserve ratio . . Conversion transactions . Insured state nonmember banks . . Annual report on financial condition and management 1422, 3162.03 . Savings Association Insurance Fund (SAIF) reserve ratio . . Conversion transactions Authority . Definition 2166.20 Authority head . Definition 2166.20 Automated clearinghouse . Definition 7415, 7418.39 . Insurance coverage . . Merger transactions 4300 Automated loan machines . Definition 4984.19 Automated teller machine operator . Definition 7375 Automated teller machines SEE ALSO Electronic terminal . Branch closure . . Notice 4613 . Closed insured banks . . Debit 4296 . . Electronic fund transfers 4296 . . Final payment 4296 . Definition 6628, 7415, 7418.39 . FRB's Regulation CC . . Disclosure requirements 7418.69 . Premiums . . Promotion 4533, 4956 . Schedules . . Funds availability 7418.09, 7425 . . Nonproprietary ATMs 7418.03, 7418.55 . . Notice to depositors 7418.09, 7425 . User fees 6888, 6902.21 . . Disclosure of information Automatic transfers . Demand deposits 1263, 2311 Auxiliary aids . Definition 2946 Available for withdrawal . Definition 7415, 7418.40 Average . Definition 1431, 1458 Average assessment rate . Definition 2296.01 Average daily balance method . Definition 7429 Average prime offer rate . Definition 6670.04-J Average total consolidated assets . Definition 6120.27 |
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