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Name SEE Common name or logo Named transfer agent . Definition 9432.16, 9438.02-A Narrow-based security index . Definition 8979, 9185, 9292, 9366 National bank note . Criminal laws and procedures . . Issuance 8284 National banking association . Definition 8287 National banks SEE ALSO National member banks . Comptroller of the Currency . . Cease-and-desist order 1135 . . Merger transactions 1258 . Conversion transactions . . Insured status continuation 1087, 4618 . Definition 8287, 8294, 8695 . Examiners . . Special examination 1171 . Insurance coverage 1087 . . Assessment 1119 . . Representative or nominee 4830 . Interest rates limitation and regulation . . Most favored lender 4063 . Lending limits of the Comptroller of the Currency 9385 . Political contributions . . Prohibitions 8531 National banks lending limits SEE Lending limits of the Comptroller of the Currency National clearance and settlement system SEE ALSO Registered clearing agency . Securities and Exchange Commission . . Securities transactions 9238.02 . . Transfer of book-entry securities 9240.02 National Commission on Consumer Finance . Appropriations authorization 6599 . Creation 6597 National Credit Union Administration . Financial recordkeeping and reporting of currency and foreign transactions . . Enforcement agency 8510 . Gramm-Leach-Bliley Act 8673.20 National emergency SEE Emergency National Environmental Policy Act of 1969 . Act 8809 . Bank establishment or relocation . . Environmental Impact Statement 8809 . . FDIC Statement of Policy 5185 . . Policy 8809, 8811 . Council on Environmental Quality 8811 National Flood Insurance Act . Act 8655 National flood insurance program . Federal Financial Institutions Examination Council 8598 . Flood Disaster Protection Act of 1973 . . Nonparticipating community 4978, 7498.05 . Flood insurance 8655 . . Bank examination 1176 . . Civil money penalties 7498.03 . . Fees or charges 7498.04 . Flood insurance interagency task force 8890.19 . Insured state nonmember banks . . Guidelines 2665 . Notice 2665 . Special flood hazard . . Federal Emergency Management Administration 2665, 7498 . . Loans secured by improved real estate 2663, 4913, 4978, 7498.01 . . Notice 8656 . . Residential mobile home 2663 National Flood Insurance Reform Act of 1994 . Act 8890.19 . . Real property loan 4913 National Guard member . Administrative procedure 8022 National Historic Preservation Act of 1966 . Act 8822.03 . Agency requirement 8822.15, 8822.17, 8822.22 . . Exemptions 8822.26 . Application . Bank establishment or relocation . . FDIC Statement of Policy 5175 . . Guidelines 5175 . . National Register of Historic Places 8822.04 National Market Advisory Board . National Market Regulatory Board . . Creation 9198 National Market Regulatory Board . National Market Advisory Board . . Self-regulatory organization 9198 National market system . Securities and Exchange Commission . . Securities information processor 9195 . . Self-regulatory organization 9195 National member banks SEE ALSO FRB member banks . Definition 1066 . Federal Reserve System withdrawal . . Conversion transactions 4618 . . Insured status continuation 1087, 4618 . Termination of insurance . . FDIC receiver or conservator 1146 National nonmember banks . Definition 1066 National recognized statistical rating organization (NRSO) . Definition 9186.01 National Register . Definition 8822.27 National Register of Historic Places . National Historic Preservation Act of 1966 . . Agency requirement 8822.15, 8822.17, 8822.22 . . Bank establishment or relocation 8822.04 . . Exemptions 8822.26 National securities association . Registered securities association . . Registration 9240.05 National securities exchange SEE ALSO Member of national securities exchange OR Unregistered exchange . Application . . Exchange certification 9200 . Definition 3119, 3134, 9288, 9364 . Extensions of credit . . Prohibitions 9194.04-B . Registered securities . . Effective date 9200 . . Exchange certification 9200 . . Termination of listing 9200 . . Termination of registration 9200 . Rules and regulations . . Exemptions 9194.04-B . Securities and Exchange Commission . . Disciplinary action 9188.01 . . Fees or charges 9188.02, 9269 . . Registration 9240.05 . Securities information processor . . Interstate commerce 9197 . Securities transactions . . Margin requirements 9189 . . Records maintenance and retention 9232 . . Registration 9200 . Unlisted trading privileges 9201 National security investigation . Consumer report 6609 . Definition 6610 Nationally recognized statistical rating organization . Definition 2262.03, 2262.32, 6120.03, 6120.54, 7613 Nationwide specialty consumer reporting agency . Definition 6606 Native American . Community development financial institution fund 8881, 8888 . Insurance coverage . . Custodial account 2356 . . Public unit account 2366 Native Hawaiian . Definition 8822.28 Native Hawaiian organization . Definition 8822.28 Natural persons . Definition 2351, 7579 Necessary to effect, administer, or enforce . Definition 8673.22 Negative amortization . Definition 6670.02 Negative factor or value . Definition 7212 Negative information . Definition 6610.37 Negotiable instruments . Insurance coverage . . Certificate of deposit 4384, 4852, 4963 . . Recordkeeping requirement 4466 Negotiable order of withdrawal account SEE NOW accounts Neighborhood Reinvestment Corporation . Annual report to Congress 8764 . Chairman of FDIC Board of Directors . . Member 8762 . Creation 8761 Neighborhood Reinvestment Corporation Act . Act 8761 Net entitlement . Definition 8550.25 Net obligation . Definition 8550.25 Net realizable market value . Definition 1487 Net transaction account . Definition 7580 Net worth . Adjudicatory proceedings . . Fees or charges 2166.11 Net Worth Certificate Act . Act 8675 Net worth certificates . FDIC . . Qualified institution 1226 Netting . Payments system . . Clearing organization 8550.26 . . Failed financial institutions 8550.26 . . FDIC Improvement Act of 1991 8550.24, 8550.26, 8550.27 . . Financial institutions 8550.26 . . Netting contract 8550.26 . Risk-based capital 2262.06-L . . Credit equivalent amounts 6120.15 Netting contract . Definition 8550.25 Netting set . Definition 2262.32, 6120.54 New accounts . Definition 7418.03, 7418.55 . Disclosure requirements . . Deposit accounts 7431, 7462 . . Open end credit 6580 . Funds availability . . Exceptions 7418.03, 7418.55 . Safeguards . . Delayed availability of funds 7418.03, 7428 New banks . Definition 1067 . FDIC receiver or conservator . . Closed insured banks 1188.20 . . Powers 1188.07, 1188.20 New credit plan . Definition 6605 New customer . Definition 8263 New depository institution . Definition 2290 New hybrid products . Definition 9226.01 . Securities and Exchange Commission . . Broker or dealer registration 9226 New York Stock Exchange SEE National securities exchange Newly-chartered organization . Interlocking director 4051 . Interlocking relationship . . Advisory director 4115 . . Depository organization 4105 . . Management official 4117, 4130 Newly insured institutions . Assessment 2282 . Assessment rates 1130.03, 2289 . . Offsets 1130.04 . . Premiums 1130.04 . . Reserve ratios 1130.04 . Definition 2293 . Membership . . Bank Insurance Fund (BIF) 1130.04 . . Savings Association Insurance Fund (SAIF) 1130.04 . Reserve ratios 1130.04 . Thrift institutions . . Conversion transactions Newly organized depository institutions . Application . . Deposit insurance 2054, 5349 . Savings Association Insurance Fund (SAIF) member . . Conversion transactions 4430 Next-day availability . FRB's Regulation CC 7418.03 . . Cash deposits 7418.03, 7418.49 . . Cashier's checks 7418.03, 7418.49 . . Certified checks 7418.03, 7418.49 . . Electronic payment 7418.03, 7418.49 . . Federal Home Loan Bank Board checks 7418.03, 7418.49 . . Federal Reserve Board checks 7418.03, 7418.49 . . Interpretations 7418.40 . . Local government checks 7418.03, 7418.49 . . State government checks 7418.03, 7418.49 . . Teller's checks 7418.03, 7418.49 . . Treasury checks 7418.03, 7418.49 . . U.S. Postal Service money orders 7418.03, 7418.49 NFIP . Definition 2664 Night depository . Official sign . . Advertising 4777, 4852 Non-appropriated fund activities . Insurance coverage . . Public unit account 4435 Non-commercial scientific institution . Definition 2169, 8590.14, 8590.71 Non-contingent interest . Definition 2363 . Insurance coverage . . Employee benefit plan 4899 Non-contingent trust . Definition 2351 Non-covered institution . Definition 3088.02 Non-employee director . Definition 9432.10 Non-equity security . Definition 7660 Non-Fair Housing Act matters . Definition 9793 Non-federal agency . Definition 8031 Non-institutional customer . Definition 3223 Non-security-based swap agreement . Definition 8980 Non-united states person or non-u.s. person . Definition 8516.06-D, 8516.08-E, 8516.08-K, 8516.12 Nonaffiliate . Definition 7787 Nonaffiliated third party . Definition 2392, 8673.22 Nonbank banks . Competitive Equality Banking Act of 1987 . . Congressional intent . . Cross marketing . . Limitations . Definition 6086 . Overdrafts . . Affiliates 6110.17 Nonbank lender . Definition 7762 Nonbank shares . Bank holding company . . Approval . . Investment exemptions for bank subsidiaries . . SBIC exemption . . Servicing activity Nonbanking acquisitions . Bank holding company . . Emergency thrift institution acquisition 6041 . . Expedited action 6105 . . Insurance activities 6041 . . Notice 6108 . . Trust company 4973 Nonbanking activities SEE ALSO Banking related activities . Authority . . Branch establishment, operation, or relocation 6189 . Bank holding company . . Acquisition of bank shares or assets . . Data processing . . Notice 6044, 6108 . . Operations subsidiary . . Permissible activities 6103 . . Prohibitions 6102 . Broker or dealer in securities . . Glass-Steagall Act 4497 . Delegated authority . . Federal Reserve banks 6193 . Foreign bank holding company . Foreign banks and banking 4984.27, 7628.07 . . Exceptions 7628.08 . . Permissible activities 7628.09 . . Reporting requirements 7628.10 . . Subsidiaries 4984.78 . Insured nonmember banks . . Business arrangements 4343 . Moratorium . . Broker or dealer in securities . . Effective date . . Federal banking agencies 7423 . . Foreign banking organization . . Insurance activities 7423 . . Real estate 7423 Nonbanking activities closely related to banking . FRB's Regulation Y 6110.02 . . Management consulting to depository institutions 6110.06 Nonbanking subsidiaries . Cease-and-desist order . . FRB 1134 . Change in Bank Control Act of 1978 . . Reorganization 4465 . Insured state nonmember banks . . Permissible activities 4984.78 . Transactions with affiliates . . Deposit broker 4846, 4921 Noncash item . Definition 6110.16, 7416, 7418.45, 7424 Noncumulative perpetual preferred stock . Definition 2244 Nondeposit investment products . Retail sales . . FDIC Statement of Policy 4984.40, 5443 Nondiscretionary accounts . Discount brokerage service . . Insured nonmember banks 4135, 4136 Nondiscriminatory . Definition 3082 Nondiversified company . Definition 9298 Nonexempted security . Definition 7660 Nonfinancial company . Definition 2262.06-B-1, 6120.02-A Nonfinancial equity investment . Definition 2262.06-B-1, 6120.02-A Nonfinancial trade or business . Definition 8383 Nongovernmental entity or person . Definition 2844.03 Noninsured banks . Definition 1067 Noninsured branches . Definition 2068.04, 2857 Noninsured institutions SEE ALSO Noninsured banks . Acquisition . . FDIC approval 4973 . Application . . Insurance fees 1094 . Audit . . Private deposit insurer 1507 . Definition 1510, 8726 . Disclosure requirements 1507 . Insurance coverage . . Consolidation 1087 . . Merger transactions 1087 . Private deposit insurance 1507 . Savings associations . . Disclosure of information 1352 Noninvestment grade securities . Savings associations . . Divestiture 1350, 1352 . . Qualified note 1350 . . Restructured debt 4483 Nonlocal checks . Definition 7417 . FRB's Regulation CC . . Funds availability 7418.03 . . Availability schedules 7418.26 Nonlocal originating depository institutions . Definition 7425 Nonlocal paying banks . Definition 7417 Nonmember professional . Definition 9228 Nonmetropolitan area . Definition 2786.02 Nonpersonal time deposit . Definition 7511, 7578 Nonprofit organizations . Affordable housing program . . FDIC 1476, 1482 . Banking related activities 4984.50 . Definition 1193, 1487 . Insurance coverage 4642 . . Deposits 4309, 4332 . . Insured savings and loan associations 4409 . . Multiple accounts 4917 . NOW accounts . . Eligibility 4281, 7586.18 . Pledge of assets . . Security interest 4984 Nonproprietary ATMs . Definition 7417, 7425 . FRB's Regulation CC . . Funds availability 7418.03, 7418.55 Nonpublic information SEE ALSO Confidentiality of record . Registration . . Investment adviser 9374 . Tender offer . . Antifraud rules 9430.01 Nonpublic personal information . Definition 2392, 8673.22 Nonrecourse financing . Appraisals . . Loan participations 4572 . . Mortgage loan 4572 Nonrecourse reverse mortgage transaction . Definition 6982.02 Nonvoting equity investments . Bank holding company . . Statement of policy Nonvoting shares . Definition 6087 Normal market area . Definition 4738 Northern Mariana Islands SEE Pacific Island bank Notes, bonds, debentures, or obligations SEE ALSO Capital notes OR Government obligations OR Subordinated notes and debentures . Bank holding company . . Loans or extensions of credit to affiliates 4499 . Criminal laws and procedures . . Forge or alter 8285 . Guarantee the obligations of third parties . . Trust account 4143 Notice . Definition 2045 Notice of acquisition of control SEE ALSO Acquisition of control OR Notice of proposed transaction . Change in Bank Control Act of 1978 1120 . . Grandfather provisions 4088 . . Shareholders 4088 . Disapproval 2151 . Edge Corporation . . FRB's Regulation K 7621 . Employee stock ownership plan . . Fiduciaries exemption 4082, 4775 . Interlocking relationship . . Affiliates 4267 Notice of charges . Delegated authority . . FRB 6182 Notice of charges and of hearing . Cease-and-desist order 1134 . . Corrective action 1136 Notice of intent to offset . Definition 2238.03 Notice of intention to remove or prohibit . Corrective action 1145, 2166.15 . . Enforcement 2166.16 . Removal or suspension of institution-affiliated party 1138, 1140, 1142 Notice of Proposed Adverse Action . Definition 9793 Notice of proposed transaction . Acquisition of control 2062, 4524 . . Bank holding company 6110.13 . . Person 4077 . . Reorganization 4129 . Change in Bank Control Act of 1978 . . Exemptions 4150, 6186.01 . Merger transactions 1258 . . Insured federal savings banks 4306 . . Publication 1258, 4524 . . Savings and loan associations 4306 Notice of salary offset . Definition 2238.03 Notice of suspension or prohibition . Removal or suspension of institution-affiliated party . . Effective date 1138, 1141 . . Felony 2166.04 . . Temporary directors 1141 Notice to consumer SEE Consumer notice Notice to depositors . Assumption of deposits 2109 . Automated teller machines . . Schedules 7418.09 . Branch closure . . Automated teller machines 4613 . . Insured depository institutions 1501 . . Main office . Closed insured depository institutions . . FDIC receiver or conservator 1207 . . Unclaimed deposits 1207 . Delayed availability of funds 7428.02 . FDI Act, section 8(p) . . Adjudicatory proceedings 2155 . FRB's Regulation CC . . Exceptions 7418.04, 7418.60 . Insurance coverage . . FDIC Improvement Act of 1991 4772 . . Retirement accounts 2363, 4796 . Termination of insurance . . Adjudicatory proceedings 2154, 2156 . . Publication 1132 . . Temporary suspension 1133 Notice to primary regulator . Definition 2045 . Nonbanking acquisitions . . Data processing center 4530 . Termination of insurance . . Adjudicatory proceedings 2153 . . Unsafe or unsound practices or conditions 1131 NOW accounts SEE ALSO Deposit accounts . Act 7087 . Advertising 7477 . Demand deposits . . Nondemand deposits 2312 . Disclosure requirements 7478 . . Sample form 7449 . Eligibility 4522 . . Cooperatives 4590 . . Fiduciaries 7586.19 . . FRB's Regulation D 7586.18 . . Governmental units 7586.19 . . Grandfather provisions 7586.19 . . Nonprofit organizations 4281, 7586.18 . . Partnership 4265 . Interest on deposits 2312, 7479 . . Calculations 7481 . Real estate . . Trust 4596 NRSRO SEE ALSO Nationally recognized statistical rating organization . Definition 2847 Nth-to-default credit derivative . Definition 2262.32, 6120.54 Oakar bank . Assessment rates 2296.01 . . Offsets 4592 . Conversion transactions 4692, 4724, 4953 . . Assessment 4452 . . Entrance or exit fees 4540 . . Savings Association Insurance Fund (SAIF) 4586 . Financing Corporation . . Assessments 5529 . Merger transactions 4538, 4901 Oath administration . Delegated authority . . Federal Reserve banks 6192 . . FRB General Counsel 6185 . Examination 1172 Obligations SEE ALSO Government obligations OR Notes, bonds, debentures, or obligations . Definition 1240, 2680, 5416, 7411, 7412.07 Obligations of, or fully guaranteed as to principal and interest by, the United State or its agencies . Definition 7787 Obligor . Civil liability 6588.06 . Definition 2262.32, 6120.54 OCC . Definition 2857 Odd-lot dealer . Member of national securities exchange . Securities Exchange Act of 1934, section 16 . . Securities transactions 9432.06 OECD banks . Definition 6120.02-B-3 Off-balance sheet items . Bank holding company . . Calculations 6120.02-B-2, 6120.11 . . Credit conversion factors 6120.02-B-2, 6120.17 . Risk assets . . Calculations 2261 Offer . Definition 3207, 5416, 8977, 9288 Offer for sale . Definition 9288 offer or market . Definition Offer to sell . Definition 9288 Offering circular . FDIC Statement of Policy . . Bank securities 5061 Offering document . Definition 8992.01 Office . Definition 2736, 2866, 8592, 8695, 8785 Office of a foreign bank . Definition 7628.06 Office of Financial Institution Adjudication (OFIA) . Definition 2128 . Rules of practice and procedure . . Administrative law judge 2146 Office of Management and Budget SEE ALSO OMB control numbers . FDIC . . Reports and reporting requirements 1247 . Privacy Act of 1974 . . Implementing guidelines 8036.05 . . Rules and regulations 8035 Office of Thrift Supervision . Enforcement agency for savings associations . . 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 . . FRB's Regulation B 7223 . . Home Mortgage Disclosure Act of 1975 7307 . . Home Owners' Loan Act 8695 . . Truth in Lending Act 6571 . FDIC . . Condition report 1111 . . Examination report 1111 . Savings associations . . Assessment 1130.05 . . Conversion transactions 4567 . . Merger transactions 1258 Office of Thrift Supervision, Director . Annual report 8696 . Appointment 8696 . Audit 8697 . Delegated authority 8697 . Employees . . Compensation 8697 . FDIC Board of Directors 1061 . Federal savings associations 8699 . . Administrative enforcement 8704 . . Capital certificates 8700 . . Capital standards 8715 . . Charter 8699 . . Credit card 8700 . . FDIC receiver or conservator 8705 . . 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 . Financial interests 8696 . Powers 8696 . . Homestead provisions 8696 . Savings and loan holding company . . Administrative enforcement 8733 . . Examination 8727 . . Registration 8727 . . Supervision 8726 . Savings associations . . Administrative enforcement 1267 . . Condition report 8720 . . District depository institutions 8724 . . Federally-related mortgage loans 8699 . . Registered securities 8699 . Term of office 8696 Officer SEE ALSO Executive officer OR Insider OR Senior executive officer . Definition 1139, 2054, 9432.02 . Employment, insured bank . . Convicted individual 1291 . Management responsibilities . . FDIC Statement of Policy 5369 . Securities Exchange Act of 1934 . . Statement of ownership 9230 Officer, agent, employee, etc. of bank SEE Insider transactions Official custodian . Definition 2366 Official, personal dishonesty SEE ALSO Insider transactions . Edge Corporation . . Penalties 7519, 7520 Official sign . Advertising . . Internet banking 4984.54 . Conversion transactions . . SAIF member state banks 4568 . FDIC . . Bank services 4712 . . Insured banks 1257, 2297, 4495, 4541, 4616, 4623, 4742 . . Mandatory use 2298 . . Night depository 4777, 4852 . . Penalties 1257 . . Savings associations 1257, 2297, 4541 . Foreign branches . . Advertising 4569 . . Deposits 4378 . Savings associations . . Advertising 4681 . . Eagle logo 4414 Official statement . FDIC . . Advertising 2299 . . Billboard advertising 2300 . . Deposit insurance 1257, 2297 . . Mandatory use 2299 . . Member of FDIC 2299 . . Non-English equivalent 2300, 4924 . . Penalties 1257 Offsets . Assessment rates . . Bank Insurance Fund (BIF) 1130.04 . . Newly insured institutions 1130.04 . . Oakar bank 4592 . . Savings Association Insurance Fund (SAIF) 1130.04 . Closed insured depository institutions . . FDIC receiver or conservator 1207, 4527 . . Payment of insured deposit 1207 . . Reserve ratios 1130.04 . Credit card . . Fair Credit Billing Act 6590.02 . Finance charges . . FRB's Regulation Z 6653, 6918 . Loan participations . . Receiver 4159 . Trust account . . Beneficial ownership 4324 Offshore banking license . Definition 8391, 8516.13 Oklahoma . Truth in Lending Act requirements . . Exemptions 6976 Ombudsman . Establishment . . Federal banking agencies 8890.13 Omnibus Trade and Competitiveness Act of 1988 SEE Export trading companies OR Foreign Corrupt Practices Act of 1977 OR Prohibited foreign trade practices One-bank holding company . Establishment 6101 . Statement of policy . . Bank Holding Company Act 6171 . . Financial factor assessment 6171 One-to-four family residential property . Definition 3184 . FDIC receiver or conservator . . Assets liquidation 1192 Open-end company . Definition 9298 . Registered company . . Capital structure 9315 Open end consumer credit contract . Definition 7163 Open end credit . Advertising 6660 . . Catalog and multipage advertisements 6933 . . Disclosure requirements 6588.14-A, 6932 . Annual percentage rate 6570.01 . . Advertising 6657, 6924 . . Computation of rates 6675 . . Daily periodic rate 6657, 6926.01 . . Initial disclosure statement 6657, 6924 . . Periodic statement 6657, 6925 . Billing errors . . Consumer report 6655, 6922 . . Disputed amount 6655, 6921 . . Error resolution 6654, 6919 . . Notice 6654, 6920 . . Time requirements 6655, 6921 . Charge card . . Form G-10(C) Applications and solicitations model form (charge cards) (FRB) 6649, 6678.03, 6982.06 . . Form G-11 Applications and solicitations made available to general public model clauses (FRB) 6650, 6678.03, 6982.06 . . Form G-12 Charge card model clause (when access to plan offered by another (FRB) 6651, 6678.03, 6982.06 . . Form G-13(A) Change in insurance provider model form (combined notice) (FRB) 6678.03, 6912, 6982.06 . . Form G-13(B) Change in insurance provider model form (FRB) 6678.03, 6678.04, 6912, 6982.06 . Consumer . . Crediting of payment 6652.08, 6913 . Consumer credit practices . . Age 7215, 7248 . . Marital status 7216, 7248 . . Prohibited practices 6982.02-A . Credit balance . . Refund 6652.08, 6914 . Credit card . . Form G-10(A)-(B) Applications and solicitations model forms (credit cards) (FRB) 6649, 6678.02 . . Form G-11 Applications and solicitations made available to general public model clauses (FRB) 6650, 6678.03 . . Form G-13(A) Change in insurance provider model form (combined notice) (FRB) 6678.03, 6912 . . Form G-13(B) Change in insurance provider model form (FRB) 6678.04, 6912 . Definition 6645, 6879, 6883, 7163, 7212, 7252 . Disclosure requirements 6580, 6648.01, 6902.18 . . Annual statement 6652.06, 6908 . . Credit card 6581 . . Finance charges 6652.07, 6911 . . Loans secured by principal dwelling 6586 . . New accounts 6580 . . Periodic statement 6580, 6652 . . Terms, conditions or requirements 6652.07, 6909 . Fair Credit Billing Act . . Billing period 6590.01 . . Credit balance 6590.01 . . Crediting of payment 6590.01 . Form G--1 Balance computation methods model clauses (FRB) 6651, 6652, 6676.01, 6982.05 . Form G--2 Liability for unauthorized use model clause (FRB) 6652.08, 6676.01, 6982.05 . Form G--3 Long form billing error rights model form (FRB) 6651, 6652.06, 6676.01, 6982.05 . Form G--4 Alternative billing error rights model form (FRB) 6652.06, 6676.02, 6982.05 . Form G--5 Rescission model form (when opening an account) (FRB) 6658, 6676.03, 6982.06 . Form G--6 Rescission model form (for each transaction) (FRB) 6658, 6677, 6982.06 . Form G--7 Rescission model form (when increasing the credit limit) (FRB) 6658, 6677, 6982.06 . Form G--8 Rescission model form (when adding a security interest) (FRB) 6658, 6678, 6982.06 . Form G--9 Rescission model form (when increasing the security) (FRB) 6658, 6678.01, 6982.06 . FRB's Regulation Z . . Advertising 6932 . . Credit card 6652.04, 6915 . . Forms and instructions 6676, 6982.04 . . Oral disclosure requirements 6668, 6969 . . Right of rescission 6658, 6926.01 . Home equity plans . . Application 6586 . . Form G-14(A)-(B) Home equity sample (FRB) 6678.04, 6678.06 . . Form G-15 Home equity model clauses (FRB) 6678.09 . . Loans secured by principal dwelling 6586, 6652, 6902.01 . Initial disclosure statement . . Billing rights statement 6652.04 . . Charges other than finance 6652.03, 6902.20 . . Finance charges 6652.03, 6652.07, 6902.18, 6908 . . Security interest 6652.03, 6902.21 . . Time requirements . Insurance . . Charge card 6585 . . Credit card 6585 . Periodic statement 6652.04 . . Annual percentage rate 6904.01 . . Balances 6903 . . Billing rights statement 6908 . . Finance charges 6904.01 . . Free-ride period 6906 . . Nonsale credit 6908 . . Sale credit 6906.02 . . Summary statement 6908 . Prohibited practices . Right of rescission . . Consumer rights 6658, 6926.01 Open end credit plan . Definition 6567 Open-end lease . Definition 6686 Open to public . Definition 2227 . Delegated authority . . FRB General Counsel 6185 . Sunshine Act 8040 Open to public observation . Definition 2227 Operating budget . Definition 9785 Operating subsidiary . Definition 7787 Operational loss . Definition 2262.32, 6120.54 Operational loss event . Definition 2262.32, 6120.55 Operational risk . Definition 2262.33, 6120.55 Operational risk exposure . Definition 2262.33, 6120.55 Operations subsidiary . Bank holding company . . Nonbanking activities 7797 Operator of a credit card system . Definition 8516.08-N Operator's credit card . Definition 8516.09 Option SEE ALSO Collateralized put option OR Employee stock option plan OR Ownership of option, put, call, spread, and straddle OR Stock option plan . Definition 8516.08-E . Margin account 7663 Option on a commodity . Definition 8486.01 Optional conversion . Definition 2058 Oral argument . Adjudicatory proceedings . . FDIC Board of Directors 2145 Oral disclosure requirements . FRB's Regulation Z . . Annual percentage rate 6668, 6969 . . Closed end credit 6668 . . Open end credit 6668, 6969 . Truth in Lending Act . . Annual percentage rate 6588.15 Order SEE ALSO specific orders . Definition 8023 . Investment Advisers Act of 1940 . . Securities and Exchange Commission 9378.01 Order of prohibition . Felony . . Participation in bank affairs prohibited 2166.03 . Removal or suspension of institution-affiliated party 1139, 1140 . . District depository institutions 1138 . . Hearing 1140, 1142 Order of removal . Felony . . Participation in bank affairs prohibited 2166.04 . Removal or suspension of institution-affiliated party 1138, 1140 Order of suspension . Removal or suspension of institution-affiliated party 1139, 1140 . . District depository institutions 1138 Order to cease and desist SEE Cease-and-desist order Organization . Definition 6566, 6686, 6721, 7613, 8545 Organization or entity . Definition 2847 Original check . Definition 7418.01 Originating bank . Definition 2262.33, 6120.55 Originating proprietary institution . Definition 7425 Origination service . Definition 6994 Originator . Definition 8484.02 Originator's bank . Definition 8484.02 OTC derivatives dealer . Definition 8247 OTC margin stock SEE ALSO Margin stock OR Stock . Definition 7660, 9386 . Listing requirement . . FRB's Regulation T 7668 Other acceptable collateral . Definition 3184 Other capital measures . Definition 8890.01 Other consideration . Definition 6721 Other information . Definition 8310.01 Other lending institutions . Definition 7302 Other nonelectronic transactions . Definition 6110.17 Other qualifying transactions . Definition 6097, 6107 Other retail exposure . Definition 2262.33, 6120.55 Other secured consumer loan . Definition 2786.01 Other unsecured consumer loan . Definition 2786.01 Otherwise disposed of . Definition 9440.04 Out-of-state bank . Definition 1325, 1518, 6028, 7493 . Loan origination . . Interest rates limitation and regulation 4984.67 Out-of-state bank holding company . Definition 1518, 3236, 6028 Out-of-state customer . Credit card . . Preemption of state lending restrictions 4751 . State usury laws . . Interest rates limitation and regulation 4069 . . Loans or extensions of credit 4134, 4345 Outreach activities . Minority and women outreach program 3089 . . Coordinator 3090 Outside director . Definition 5306, 8989, 9258.06 Outside registrar . Definition 9433 Outstanding shares . Definition 6086 Over the counter SEE OTC Over-the-counter (OTC) derivative contract . Definition 2262.33, 6120.55 Over-the-counter derivative instrument . Definition 8550.28 Overdrafts SEE ALSO Permissible overdrafts . Affiliates . . Federal Reserve banks 6110.17 . . Industrial banks 6110.17 . . Nonbank banks 6110.17 . Bank failure . . Correspondent banks 4568 . Correspondent account . . Reports and reporting requirements 4037 . Definition 6110.17 . Finance charges . . Disclosure 7428.01 . FRB member banks . . Insiders 7512.06 . FRB's Regulation C . . Funds availability 7418.04 . FRB's Regulation D . . Trust account 7586.25 . FRB's Regulation O . . Insider indebtedness 4018 . . Insider transactions 4281, 7648 . . Interpretations 7656.11 . Repeated overdrafts . . Funds availability 7418.03, 7418.57 . Safeguards . . Delayed availability of funds 7428.01 Owner . Definition 8516.12, 8516.14-A Owner-occupied . Definition 3184 Ownership of option, put, call, spread, and straddle . Capital stock reduction or retirement . . Prior approval 4169 . Guarantee the obligations of third parties . . Sale 4175, 4188 Pacific Island bank . Definition 7418.22-B . FRB's Regulation CC 7418.22-B, 7418.106 Pacific Island check . Definition 7418.22-B Paper or electronic representation of a substitute check . Definition 7418.01 Parent . Definition 2359, 7628.06 Parent company . Definition 2061 Participant . Definition 7425, 9177 Participant in bank affairs SEE ALSO Institution-affiliated party . Definition 1138, 2907 . Felony . . FDI Act, section 19 2166.01 Participating financial institution . Definition 8890.03 Participating state . Definition 8890.03 Participation . Definition 3087 Participation in bank affairs prohibited . Felony . . Adjudicatory proceedings 2166.03 . . Notice of suspension or prohibition 2166.04 . . Order of prohibition 2166.04 . . Order of removal 2166.04 Partnership SEE ALSO Limited partnerships . FRB member banks . . Insider transactions 7512.05 . FRB's Regulation O . . Aggregate lending limit 2638, 4649 . NOW account . . Eligibility 4265 Partnership account . Insurance coverage 4633 Partnership interest . Sale . . Federal Reserve Act, section 23A 4579 . . FRB's Regulation O 4579 Party . Definition 2128, 2844.03, 8022.02, 8023, 8590.31, 9793 Passbook savings account . Definition 7430, 7461 Passive real estate ownership . Definition 8890.03 Passthrough accounts . Certificate of deposit . . Recordkeeping requirement 4356 . Custodial account . . Beneficial ownership 4403 . . Employee benefit plan 4402 . Definition 1183, 7580 . FRB's Regulation D . . Reserve requirements 7584.01 . Insurance coverage 1183, 2362, 4419 . . Attorney 4524 . . Brokered deposits 4432, 4444, 4984.83 . . Certificate of deposit 4984.76 . . Class action lawsuits 4667 . . Court order 4573 . . Defined contribution plan 4708, 4773 . . Direct ownership or control 4186 . . Employee benefit plan 2362, 4574, 4597, 4615, 4629, 4708, 4722, 4776, 4777, 4899, 4919 . . Escrow account 4314, 4315, 4482, 4498, 4630 . . Fiduciaries 4682, 4918 . . Funeral services and merchandise 4496 . . Insurance premiums 4591, 4918 . . Mortgage servicing account 4491, 4984.44 . . Municipal bonds 4346, 4367, 5521 . . Payroll account . . Pension plan 4239, 4240, 4284, 4331 . . Perpetual care fund 4561 . . Physicians' malpractice insurance trust 4625 . . Premiums 4536 . . Recordkeeping requirement 4346 . . Rent payments 4693 . . Revocable trust account 4614 . . Security deposits 4977 . . Study 8550.22-A . . Support payments 4573 . . Trust account 4504, 4984.72 . . Worker's compensation 4273, 4302 . Undercapitalized insured depository institution . . Employee benefit plan 4809 Passthrough insurance . Definition 4984.88 Pattern or practice of defalcation regarding obligations . Definition 2608, 3207 Pay an overdraft on an account . Definition 7644 Payable-on-death account SEE ALSO Revocable trust account . Insurance coverage 4917 . . Recordkeeping requirement 4481, 4854 Payable-through account . Definition 8398, 8516.14-A Payable through checks . FDIC receiver or conservator . . Closed insured depository institutions 4914 . FRB's Regulation CC . . Issuance 7418.96 . . Liabilities 7418.98 . Funds availability . . Disclosure requirements 7418.09, 7418.18 Paying agency . Definition 2238.03 Paying banks . Checks returned 7418.14, 7418.77 . . Liabilities 7418.22, 7418.102 . Definition 7417, 7418.46 . FRB's Regulation CC . . Check collection 7418.14, 7418.77 . . Check presentment and issuance 7418.19, 7418.96 . . Delayed availability of funds 7418.13 . . Identification 7418.13, 7418.82 . . Notice in lieu of return 7418.13, 7418.83 . . Routing number 7418.22-K, 7418.83 . . Unidentifiable depositary banks 7418.13, 7418.80 . Warranties 7418.91 . . Notice in lieu of return 7418.87 Payment . Definition 1266, 3082 Payment against delivery . Definition 7658 Payment date . Definition 8484.02 Payment due date . Definition 7009 Payment of assessment . Bank Insurance Fund (BIF) member 2296.01 . . Merger transactions 2296.01 . Delinquency . . Interest 2289 . . Penalties 1117, 1257 . Insured depository institutions 2282 . . Apportionment 1118 . . Computation 2296.01 . . Enforcement 1118, 1119 . . Reserve ratios 1130.04 . Overpayment . . Interest 2291 . . Refund 1188.14 . Termination of insurance 2287 Payment of insured deposit . Closed insured depository institutions . . Time requirements 4380 . FDIC receiver or conservator 1188.14, 1207 . . Proof of claim 1188.15 Payment order . Definition 8484.02 Payment period . Definition 7660 Payments and collections . Closed insured banks . . Correspondent banks 4317, 4324 . . FDIC receiver or conservator 4914 . . Insurance coverage 4317, 4324 . FRB's Regulation K . . Edge Corporation 7620 . Insured depository institutions . . Foreign deposits 1495 Payments system . FDIC Improvement Act of 1991 . . Clearing organization 8550.24 . Netting 8550.24, 8550.26, 8550.27 . . Clearing organization 8550.26 . . Failed financial institutions 8550.26 . . Netting contract 8550.26 Payroll card account . Definition 7389 Peculation SEE Larceny and embezzlement Pecuniary interest . Definition 9432.01 Penalties SEE ALSO Civil money penalties OR Criminal penalties . Agricultural loans . . Interest rates limitation and regulation 8545 . Assessment . . Payment failure 1257 . Business credit . . Interest rates limitation and regulation 8545 . Condition report 1111 . Definition 7010 . Edge Corporation . . Official, personal dishonesty 7519, 7520 . Extortionate credit transactions 6593 . Fair Credit Reporting Act . . Consumer report 7206 . Federally-related mortgage loans . . Discriminatory practices 9709 . Foreign Corrupt Practices Act of 1977 . . Prohibited foreign trade practices 9265 . Privacy Act of 1974 . . Agency records 2192, 8590.58 . Violation . . Right to Financial Privacy Act of 1978 7104 . . Securities Act of 1933 8994.02 . Willful violation . . Bank Records and Foreign Transactions Act 8178 . . Investment Advisers Act of 1940 9380 . . Investment Company Act of 1940 9343 . . Securities Exchange Act of 1934 9271 Penny stock . Automated quotation system . . Creation 9240.04 . Definition 8994.08 . Disclosure requirements . . Risks 9224 . Fraudulent and manipulative practices . . Rules and regulations 9224 Pension plan SEE ALSO Employee compensation OR Employee benefit plan . Banks . . Selling agent 4542 . Brokerage service . . Insured state nonmember banks 4684 . Deposits . . Assessment base 4293 . Insurance coverage 1184, 2362, 4277 . . Beneficial ownership 4312 . . Calculations 4331 . . Certificate of deposit 4107 . . Contract 4211 . . FDIC 4393 . . Federal Savings and Loan Insurance Corporation 4393, 4406, 4422, 4457, 4458, 4474 . . Merger transactions 4502 . . Overfunded plan 2363 . . Passthrough accounts 4239, 4240, 4284, 4331, 4919 . . Recordkeeping requirement 4298, 4303 . . Separate accounts 4153, 4314 . . Trust account 4317, 4319, 4352 . . Trust interest 4411 . . Trustee 4194 . Recordkeeping requirement . . Fiduciary relationship 4529 . Trust company . . Trustee 4447 Percentage rate SEE Annual percentage rate Performance bonds . Powers inconsistent with FDI Act . . Standby letter of credit 4219 Period . Definition 6678.39, 6686 Periodic payment plan certificate . Definition 9288 Periodic plan . Definition 2757 Periodic rate . Definition 6645, 6881, 6883 . Open end credit . . Daily periodic rate 6657, 6926.01 . . Periodic statement 6652.04, 6903 Periodic statement . Credit transactions . . Identification 6652.05, 6906.01 . Definition 7430, 7461 . Deposit accounts 7434, 7461, 7467, 7482 . . Fees or charges 7434 . Electronic fund transfers . . Disclosure requirements 6628.01, 6629 . Interest on deposits . . Calculations 7440 . . Truth in Savings Act 7482 . Open end credit . . Annual percentage rate 6652.04, 6657, 6905, 6925 . . Balances 6652.04, 6903 . . Billing cycle closing date 6652.05 . . Billing error notice address 6652.05 . . Billing rights statement 6652.06, 6908 . . Charges other than finance 6652.05 . . Disclosure requirements 6580, 6648.01, 6652.04, 6902.22 . . Finance charges 6652.04, 6904.01 . . Free-ride period 6652.05, 6906 . . New balance 6652.04 . . Nonsale credit 6652.05, 6908 . . Periodic rate 6652.04, 6903 . . Previous balance 6652.04, 6903 . . Sale credit 6652.05, 6906.02 . . Summary statement 6652.06, 6908 Permanent life insurance policy . Definition 8486.02 Permissible investments . Bank holding company 6104 . Community development . Financial holding companies 6046, 6046.03, 6046.06 . Foreign activities . . Bank holding company 7622 . . Private sector companies 7622 . . Public sector companies 7622 . Insured state banks 1321, 3120, 4632, 4788, 4957 . . Mutual funds 4729 . Savings associations 1349 . . Federal savings associations 4455 Permissible overdrafts . Definition 6039 Perpetual care fund . Insurance coverage . . Passthrough accounts 4561 Perpetual debt . Definition 6117 Perpetual preferred stock . Capital adequacy . . Insured state nonmember banks 2262.10 . Definition 2244, 2258, 2262.10, 6117 Person . Definition 1129, 2061, 2128, 2166.21, 2238.04, 2410, 2680, 2857, 2866, 3193, 6086, 6566, 6601, 6644, 6686, 6881, 6987, 6993, 7072, 7091, 7162, 7180, 7212, 7362, 7411, 7418.01, 7512.12, 7613, 7644, 7651, 7787, 8023, 8383, 8390, 8484.02, 8486.02, 8498.01, 8516.10-A, 8516.12, 8545, 8671, 8977, 9176.02, 9211, 9268, 9288, 9365, 9388, 9655, 9704, 9715, 9733, 9792 Person acting on behalf of an issuer . Definition 8994.08, 9258.08 Person associated with . Definition . . Broker or dealer in securities 9176.04 . . Government securities broker or dealer 9184 . . Investment adviser 9365 . . Member of registered securities association 9176.04 . . Municipal securities dealer 9178 . . Nationally recognized statistical rating organization 9186.01 . . Transfer agent 9183 Person in the business of selling or renting dwellings . Definition 9733 Person participating in an offering of penny stock . Definition 8994, 9220, 9250 Person who is in a position to refer settlement service business . Definition 7008 Personal identification number . Credit card 6652.08, 6915 Personal property . Definition 6592, 6686 Personal service . Definition 9655 Personally identifiable financial information . Definition 2393 Pertinent element . Creditworthiness . . Definition 7212 Phantom merger . Interstate banking 6030.01 . . Interstate merger transactions 1513 Phase-in period . Definition 7010 Physical or mental impairment . Definition Physical presence . Definition 8392, 8516.12 Physicians' malpractice insurance trust . Insurance coverage . . Trust funds 4602, 4625 Pickup payment SEE Balloon payment Placed for collection . Definition 7196 Plan . Definition 9404 Pledge of assets . FDIC . . Federal agency 8787 . . Federal branches 8787 . Foreign banks and banking 2860, 4286 . . Deposit insurance fund protection 1094 . Public unit account 4532 . . Insurance coverage 4443 . . Receiver or conservator 4500 . Security interest . . Employee benefit plan 4777 . . Nonprofit organizations 4984 . . Savings associations 4419 Point and discount charges . Finance charges . . FRB's Regulation Z 6891 Points and fees . Definition 6670.01, 6981 Policy statement SEE FDIC Statement of Policy Political contributions . National banks . . Prohibitions 8531 Political party affiliation . FDIC Board of Directors 1061 Political subdivision . Definition 2365 Pooled collateral certificate of deposit . Insurance coverage 4398 Pooled income fund . Definition 9296 Portfolio assets . Definition 8739 Portfolio company . Definition 6110.28-U . Merchant banking investments 6110.28-M Portfolio investment . Definition 2849, 7613 . Foreign portfolio investment . . Foreign Investment Study Act of 1974 9169 Portfolio securities . Definition 9432.03 Position of the agency . Definition 8022.02 Post-insolvency interest . Definition 3088 Post-insolvency interest rate . Definition 3088 Post-rule account . Definition 7010 Post secondary educational expenses . Definition 6588.14-A Postal service . Definition 8486 Potential Bidders List . FDIC . . System of records 2226.07 Powers inconsistent with FDI Act . Affiliates . . Discount brokerage service 4242 . Credit card 4576 . Guarantee the obligations of third parties . . Employee stock ownership plan 4078 . . Loan participations 4050 . . Sale leaseback transaction 4247 . Standby letter of credit . . Performance bonds 4219 . Subsidiaries . . Surety business 4469 Powers of thrift institutions . Depository Institutions Deregulation and Monetary Control Act of 1980 8538 . Mortgage portfolio study 8538 Practice before the FDIC SEE ALSO Appearance or practice before FDIC . Definition 2150 Pre-accrual . Definition 7010 Pre-existing business relationship . Definition 6610.41 Pre-rule account . Definition 7010 Preauthorized electronic fund transfers SEE ALSO Electronic fund transfers OR Unauthorized electronic fund transfers . Definition 6626, 7362, 7390 . FRB's Regulation E 7368 . Interpretations 7403 . . Exemptions 7363 . Written authorization . . Electronic Fund Transfer Act 6629 . . FRB's Regulation E 7371 Precious metal . Definition 8516.10-A Precious stone . Definition 8516.10-A Precomputed finance charges . Definition 8544, 9529 Predecessor . Definition 2296.04-A Preemption of state lending restrictions . Fees or charges . . Credit card 4751 . State usury laws . . Federally-related loans 9528 . . Federally-related loans secured by first liens on manufactured homes 9529 . . Mortgage usury laws 8539 . . Savings associations 8699 Preferential loans SEE ALSO Insider indebtedness . Correspondent banks . . Control of a company or bank 4046 . . Extensions of credit 4034 . FRB member banks . . Insiders 7512.04, 7512.05 . FRB's Regulation O 4694 . . Employee compensation 4053 . . Insider indebtedness 4046, 4101 . . Management official 4049 . . Wrap-around mortgage 4038 Preferred deposits . Definition 1069 Preferred leander arrangement . Definition 6588.14-A Preferred shares SEE ALSO Perpetual preferred stock . Transactions with affiliates . . Covered transaction 4415 Prehearings . Adjudicatory proceedings . . Administrative law judge 2142 Prejudgment attachment . Administrative enforcement . . Civil money penalties 1144.01 Premises . Definition . Delegated authority . . Federal Reserve banks 6197 Premiums . Automated teller machines . . Promotion 4533, 4956 . Definition 2313 . Insurance coverage . . Passthrough accounts 4536 . Interest on deposits 2313, 4888, 7452, 7656.32 . Newly insured institutions . . Assessment rates 1130.04 Prepaid finance charges . Credit other than open end . . Disclosure requirements 6588.02 . Definition 6645, 6881 Prepared by or on behalf of the issuer . Definition 8992.01 Prepayment . Consumer credit . . Rule of 78's 8775 . Definition 8544, 9529 . Home mortgage 6588.05 . Insurance coverage . . Funeral services and merchandise 4482 . . Irrevocable trust 4482 Prepayment penalty . Credit other than open end . . Disclosure requirements 6665, 6954 . Definition 6670.02, 6994 . Federally-related mortgage loans . . Residential mobile home 9530 Preponderance of the evidence . Definition 3207 Prescreening . Definition 7191 . FDIC Statement of Policy . . Fair Credit Reporting Act 5337 Preservation . Definition 8822.27 Presumption of control SEE ALSO Rebuttable presumption of control . Bank holding company 6021 . . Proceedings 6110.09 . Bank Holding Company Act . . Divestiture . FRB's Regulation O . . Extensions of credit 4049 Pretrial diversion . Employment, insured depository institutions . . FDI Act, section 19 1291, 4863, 4865 Prevailing party . Definition 2155, 6988, 9793 Price manipulation SEE Fraudulent and manipulative practices Primary banking supervisor . Definition 6098 Primary capital . Bank holding company . . Mandatory convertible debt 6120.22 . Capital ratios . . Total assets 6120.24 Primary federal supervisor . Definition 7586.31 Primary fund . Definition 2293 Primary metropolitan statistical area SEE MSA Prime rate . FRB Secretary . . Reports and reporting requirements 6183 Principal amount . Definition 3088 Principal dwelling SEE ALSO Loans secured by principal dwelling . Definition 6588.01 Principal investor . Definition 8181 Principal market . Definition 9404 Principal shareholder SEE ALSO Insider . Annual report . . Extensions of credit . Definition 3119, 3167, 6086, 7512.06-A, 7644, 7652 . FRB's Regulation O . . Bank ownership 4025 . . Beneficial ownership 4025 . . Custodial holdings 4027 . . Extensions of credit 4035 . . Insider indebtedness 4089 . . Trustee 4025, 4027 . . Voting trust 4026, 4027, 4493 . Indebtedness . . Disclosure requirements . Insured nonmember banks . . Reports and reporting requirements 4149 . Loans or extensions of credit . . Collection of information 4149 . . Reports and reporting requirements 4149 . Securities Exchange Act of 1934 . . Statement of ownership 9230 Principal shareholder of a member bank . Definition 7650 Principal underwriter . Definition 7512.12, 7787, 7805, 9288 Prior semiannual period . Definition 2293 Privacy SEE Invasion of privacy OR Right to Financial Privacy Act of 1978 OR Right to privacy Privacy Act of 1974 . Act 8029 . Agency records . . Agency requirement 8032 . . Agency rules 8034 . . Disclosure requirements 8031 . . Effect on other laws 8036.03 . . Exemptions 8035, 8036 . . Government contractor 8036 . . Individual 8029 . . Information availability and management 8032 . . Penalties 8036 . . Reports and reporting requirements 8036.05 . Appraisal Subcommittee (FFIEC) 8590.51 . . Access to records 8590.51 . . Amendment of records 8590.54 . . Appeal 8590.55 . . Denial 8590.53 . . Disclosure to individual 8590.53 . . Exclusion 8590.53 . . Extension of time 8590.57 . . Fees or charges 8590.58 . . Identity of person 8590.52 . . Medical records 8590.53 . . Request procedure 8590.51 . . Review 8590.52, 8590.54 . . Time requirements 8590.57 . . Violation penalties 8590.58 . FDIC . . Freedom of Information Act and Privacy Act Request Records 2226.11 . . Rules and regulations 2187 . . System of records 2203 . Individual . . Civil remedies 8034 . . Mailing list 8036.01 . . Rights of legal guardian 8035 . Invasion of privacy . . Right to privacy 8036.05 . . Safeguards 8036.05 . Matching program . . Confirmation requirement 8036.02 . . Data integrity board 8036.03 . . System of records 8036.01 . . Verification 8036.02 . Office of Management and Budget . . Implementing guidelines 8036.05 . Privacy Protection Study Commission 8036.06 . Sunshine Act 8043, 8044 Privacy Act officer . Definition 8590.51 Privacy Protection Study Commission . Privacy Act of 1974 8036.06 Private banking account . Definition 8391, 8516.13 Private deposit insurer . Definition 1510 . Noninsured institutions . . Audit 1507 . . Enforcement agency 1509 Private educational lender . Definition 6588.14-A Private educational Loan . Definition 6588.14-A Private equity fund . Definition 6110.28-Q . Financial holding companies 6110.28-Q Private insurance . Excess deposit insurance 4979 . Insurance coverage 4817 . . Employee benefit plan 4488 Private sector companies . Foreign activities . . Permissible investments 7622 . FRB's Regulation K . . Investments 7622 Privilege . Adjudicatory proceedings . . Document discovery 2137 . Definition 1191 . Disclosure of information . . Covered agency 1191 . Discriminatory residential real estate-related lending transaction . . Self-test Pro rata acquisition . Registered securities . . Form F-13 tender offer 9212 Probability of default (PD) . Definition 2262.33, 6120.55 Problem banks SEE Banks in danger of failing OR Troubled institutions OR Unsafe or unsound practices or conditions Procedures . Definition 7250 Proceeding before an agency of the United States . Definition 8310.02 Proceedings SEE ALSO Adjudicatory proceedings OR Court proceedings OR Legal proceedings OR Mortgage foreclosure proceedings OR Rules of practice and procedure . Agency decision . . Allocated transfer risk reserve 7628.25 . Government organization and employees . . Administrative procedure 8021 . Voting record . . Copies availability 8026 Process . Definition 9433 Professional Qualification Records for Municipal Securities Dealers, Municipal Securities Representatives and U.S. Government Securities Brokers . FDIC . . System of records 2226.01 Profit gained . Definition 9254 Profit sharing plan SEE ALSO Employee benefit plan . Insurance coverage . . Annuity contract account . . Federal Savings and Loan Insurance Corporation 4412 . . Insured state nonmember banks 4275 . . Recordkeeping requirement 4919 . . Trustee 4194 . Transactions with affiliates . . Controlling shareholder 4789 Profits . Insider transactions . . Issuer 9231 Program Fraud Civil Remedies Act . Administrative procedure 2166.20 . Assessment 2166.22, 2166.34 Prohibited basis . Definition 7212, 7253 Prohibited foreign trade practices . Attorney General 9260, 9264 . Foreign Corrupt Practices Act of 1977 . Registered securities 9259, 9262 Prohibited indemnification payment . Definition 3082.01 Promissory note . Definition 9182 Promoter . Definition 9288 Promotional payment . Definiton 6661 Promotional period . Definition 6661 Promotional rate . Definition 6661 Prompt corrective action SEE Corrective action Property taxes . FDIC Statement of Policy . . FDIC receiver or conservator 5331 . Tax implications . . FDIC receiver or conservator 4556, 5331 . . RTC receiver or conservator 4556 Proprietary ATMs . Definition 7417, 7418.46, 7425 Prospectus . Definition 8978, 9288 . Falsification of book, record, report, account, or statement . . Civil liability 8990 . Securities Act of 1933 . . Requirements 8986.04 Protection amount (P) . Definition 2262.33, 6120.56 Proven claim . Definition 3088 Provided directly by individuals . Definition 8533 Provisional hold . Definition 3088.02 Proxy . Acquisition of control . . Interlocking relationship 4049, 4067 . . Irrevocable proxy 4078 . Affiliates . . Beneficial ownership 4118 . Investment Company Act of 1940 . . Registered investment company 9317 Proxy solicitation SEE ALSO Solicitation . Change in Bank Control Act of 1978 . . Prior approval 4523 . Delegated authority . . FRB Division of Banking Supervision and Regulation Director 6190 . Registered securities . . Limited partnership rollup transaction 9216 . Securities and Exchange Commission . . Fees or charges 9215 Public accountant SEE Certified public accountant OR Independent public accountant Public agency . Affordable housing program . . FDIC 1482 . Definition 1193, 1487 Public announcement . Definition 2227 . Sunshine Act . . Federal Register 2229, 2230 . . Meeting 2229, 2230, 8041 Public bond issues . Insurance coverage 2366, 4269, 4531 . . Certificate of deposit 4647 . . Insured state nonmember banks 4275 Public comment SEE Comment or protest Public depository . Guarantee the obligations of third parties . . Substantial interest 4099 . Savings associations 8710 Public entity . Definition 9704 Public float value . Definition 9404 Public guidance documents . Definition 6993 Public international organization . Definition 9265, 9268 Public sector companies . Foreign activities . . Permissible investments 7622 . FRB's Regulation K . . Investments 7622 Public unit account . Collateral 4532 . . Bank failure 4551 . Deposit broker 4704, 4705 . Insurance coverage 2364 . . Accounts of a state, county, municipality or political subdivision 4641, 4859 . . American Indians 2366 . . Child support program 4820 . . Colleges and universities 4334 . . Custodial holdings 4171, 4174, 4175, 4179, 4182, 4283 . . Deposits 4290, 4308 . . District of Columbia funds 2364 . . Insured state nonmember banks 4275 . . Investments 4355 . . Multiple accounts 4171, 4174, 4175, 4179, 4182, 4185, 4192 . . Non-appropriated fund activities 4435 . . Pledge of assets 4443 . . Public bond issues 2366, 4269, 4531 . . Registry accounts 4467 . . Transit commission 4835 . . United States funds 2364, 4757 . Investment adviser . . Deposit broker 4676 . NOW accounts . . Eligibility 7586.19 . Receiver or conservator . . Pledge of assets 4500 Public use areas . Definition Public utilities credit . Definition 7212, 7253 Publicly available information . Definition 2393 Publicly traded . Definition 2262.34, 6120.56, 8516.14-A Publicly traded security . Definition 4845, 9213 Puerto Rico . Demand deposits 4831 Purchase . Definition 9176.03, 9407 Purchase and assumption SEE Merger transactions Purchase money loan . Definition 7162 Purchase of an asset . Definition 7787 Purchase of assets SEE Merger transactions Purchase price . Definition 9404 Purpose credit SEE ALSO Special purpose credit . Definition 7660, 7762 . FRB's Regulation U 7763, 7767, 7774, 7777 Put SEE Collateralized put option OR Ownership of option, put, call, spread, and straddle Put equivalent position . Definition 9432.03 Qualified affiliate . Definition 1350, 3124.07 Qualified agricultural loans . Definition Qualified bank . Definition 2262.06-B Qualified business customer . Definition 8384 Qualified distressed community . Definition 8550.07 . FDIC Improvement Act of 1991 . . Bank Enterprise Act of 1991 8550.04 Qualified fair housing enforcement organization . Definition 9781 Qualified family partnership . Definition 6028.01 Qualified financial contracts . Definition 3086, 3249 . FDIC receiver or conservator . . FDIC Statement of Policy 5113 . . Subrogation of FDIC 1188.18-A Qualified housing project . Definition 1321, 3120 . Insured state banks . . Equity investments 3120, 3140, 4903, 4906 Qualified individual with a disability . Definition 2946 Qualified institution . Definition 1227 Qualified institutional buyer . Definition 9186.02 Qualified investment . Definition 2786.02, 9328 Qualified investor . Definition 9184 Qualified note . Definition 1351 . Savings associations . . Noninvestment grade securities 1350 Qualified plan . Definition 9176.03, 9432.10 Qualified purchasers . Definition 9292 Qualified registered securities depository . Definition 9440, 9440.03 Qualified returned checks . Definition 7417, 7418.47 Qualified savings associations . Definition 6043, 8718 Qualified savings bank . Definition 6027 Qualified thrift investments . Definition 8739, 8740, 8740.01 Qualified thrift lender . Savings associations 8737 . . Exceptions 8738 . . Goodwill 8740 Qualified written request . Definition 7021 Qualifying capital SEE ALSO Total assets . Definition 2262.06-M, 6112 . Risk-based capital ratio 6117 Qualifying central counterparty . Definition 2262.34, 6120.56 Qualifying commitment to lend . Definition 9388 Qualifying common stockholders' equity . Definition 6114 Qualifying cross-product master netting agreement . Definition 2262.34, 6120.56 Qualifying foreign banking organization . Definition 6086 Qualifying household . Definition 1487 Qualifying master netting agreement . Definition 2262.34, 6120.56 Qualifying minority interest . Definition 6115 Qualifying multifamily purchaser . Definition 1487 Qualifying perpetual preferred stock . Definition 6114 Qualifying revolving exposure (QRE) . Definition 2262.34, 6120.57 Qualifying security . Definition 2708 Qualifying supervisory goodwill . Definition 8720 Qualifying trust preferred securities . Definition 6116 Quality asset . Definition 7586.34 Quarterly report of conditions SEE ALSO Condition report . Definition 2289, 2293 Quotation system . Automated system . . Penny stock 9240.04 |
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