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Racial discrimination SEE Discriminatory practices Rate tables or charts . Advertising . . Official statement 4510 . Annual percentage rate . . Determination 6570.01, 6959 . Reverse mortgage 6678.45 Ratios SEE Capital ratios OR Reserve ratios Readily accessible to and usable by . Definition Readily ascertainable events . Definition 7615 Readily marketable collateral . Definition 3184, 7586.34, 9388 Readily marketable staple . Definition 9388 Real estate SEE ALSO Real property . Appraisals . . Authority 2239, 6110.19 . . Change in obligors 4742 . . Exemptions 4884, 4896 . . GAO study 8590.02 . . Independent appraiser 2240.02, 6110.22 . . Line of credit 4525 . . Loans or extensions of credit 4529 . . Mortgage broker 4593 . . Requirements 2240.01 . . Standards 6110.22 . . State certified or licensed appraiser 2240.01, 6110.21 . . Transaction value 4610 . Definition 2240, 6110.20 . Guarantee the obligations of third parties . . Warranties 4123 . Nonbanking activities . . Moratorium 7422 . Trust . . NOW Accounts 4596 Real estate appraisals SEE Appraisals Real estate investment activity . Definition 3119 Real estate-related financial transactions SEE ALSO Real property transactions . Definition 2240, 4502, 6110.20 . FDIC Statement of Policy . . Appraisals 5463 . . Environmental risk program 5471 Real estate settlement procedures SEE Settlement services Real Estate Settlement Procedures Act of 1974 SEE ALSO Federally related mortgage loans OR HUD's Regulation X . Act 7071 . Closing costs . . Settlement costs 7073 . Contract validity 7084 . Effect on state laws 7084 . Effective date 7085 . Escrow account 7008 . . Administrative procedure 7078 . . Calculations 7011, 7053 . . Federally-related mortgage loans 7081 . . Initial statement 7009, 7081 . . Penalties 7018, 7082 . . Shortage 7014, 7081 . . Surplus . . Transfer of account 7013 . Exemptions 7079 . Jurisdiction of court 7018, 7083 . Kickback . . Prohibitions 7004, 7079 . Liens . . Rule making 7057 . Loan transfer . . Disclosure of information 7075 . Model forms 7044 . Real property transactions . . Validity 7084 . Residential mortgage transactions . . FRB's Regulation Z 6957 . Secretary of Housing and Urban Development . . Authority 7084 . Title company 7081 . Truth in Lending Act . . Settlement statement fees 7083 . Unearned fees . . Prohibitions 7004, 7079 . Uniform settlement statement 7073 Real estate settlement statement SEE Uniform settlement statement Real property . Definition 2240 Real property loan . Definition 9536 . Due-on-sale clause . . Federal association 9537 . . Lender 9537 . . Limitations 9538 . Guidelines 3179 . . Construction loans 4789 . . Credit underwriting 3180 . . Exceptions 3182, 3183 . . Loan administration 3180 . . Loan-to-value ratio 3181 . Low-income housing . . Counseling 8740.51 . Policy . . Affiliated institutions 4820 . . Loan portfolio 3179 . Powers . . Foreign branches 7616 . . FRB's Regulation K 7616 . Real estate appraisals . . Assets acquisition or disposition 4612 . Standards . . Housing for older people 4789 . . Insured depository institutions 1268, 3179 . . Insured state nonmember banks 3173 . . Low-income housing 4789 . . Supervisory review 3183 Real property transactions . Appraisals 4612 . . Collateral 4502 . . Refinancing 4601, 4605, 4609, 4617, 4673 . Disaster areas . . Exceptions . Finance charges 6570.02 . . FRB's Regulation Z 6892 . FRB's Regulation O 4832 Realizable disposition value . Definition 1475 Realized value . Definition 6686, 6722 Reasonable cause . Definition 7428.01 . Fair Housing Act . . Administrative enforcement 6988.09, 9663 . Safeguards . . Delayed availability of funds 7428.01 Reasonable cause to believe information is inaccurate . Definition 6610.35 Reasonable period . Definition 7418.08 Rebuttable presumption of control . Acquisition of control . . Appropriate federal banking agency 4271 . Bank holding company . . Control 6110.09, 6110.11 . FRB's Regulation O . . Divestiture 4066 Rebuttable presumption of control of portfolio companies . Definition 7512.08 Receipt . Definition 9433 . Electronic fund transfers . . Electronic terminal 7367, 7399 Receipt of notice . Definition 9655 Receiver SEE ALSO FDIC receiver or conservator OR RTC receiver or conservator . Definition 1067 Receivership and liquidation . Administrative expenses 3086 . Assets liquidation . . Forward currency obligations 4351 . Claims . . Employee wrongdoing 4580 . . Priorities 3084 . Collateral . . Security interest 3083, 4209, 4425, 4537, 4726, 4984 . Concealment of assets . . Criminal laws and procedures 8296 . D'Oench doctrine . . FDIC Statement of Policy 5427 . Edge Corporation 7518 . FDIC receiver or conservator 1188.08 . . Assets liquidation 4169 . . Collateral 4425 . . Federal agency 8788 . . Federal branches 8788 . . Recordkeeping requirement 1188.12-A . . Reports and reporting requirements 1188.12-A . . Unposted credits or debits 4914 . Interlocking director 8593 . Securities . . Repurchase agreements 4580 Receiving bank . Definition 8485 Receiving depository institution . Definition 7425 Receiving financial institution . Definition 8485 Recertification . Definition 8516.11 Recipient . Definition 8485, 8498.05, 9793 Recipient agency . Definition 8031 Recipient's financial institution . Definition 8485 Recommended decisions . Adjudicatory proceedings 2144.02 . . Fees or charges 2166.12 . . Filing of records 2146 Reconverting bank . Definition 7418.01 Record date . Securities transactions . . Antifraud rules 9402 Record difference . Definition 9438.02-A Recordkeeping requirement SEE ALSO Records maintenance and retention . Broker or dealer in securities . . Large trader 9211 . Brokered deposits . . Deposit broker 4660 . . Foreign deposits 4471 . Closed insured banks . . Burden of proof 4382 . Definition 8050 . Deposits . . Subsidiaries 4232 . FDIC receiver or conservator . . Receivership and liquidation 1188.12-A . Federal savings banks . . Tying arrangements 4394 . Insurance coverage 2355, 4301 . . Bearer certificate of deposit 4216 . . Brokered deposits 4224, 4396 . . Certificate of deposit 4466 . . Custodial holdings 4381, 4386 . . Deposit ownership 2354 . . Deposits 4301 . . Escrow account 4330, 4350, 4374, 4386, 4494, 4602 . . Fiduciary relationship 4486, 4573, 4575 . . Mortgage servicing account 4472, 4563, 4572 . . Negotiable instruments 4466 . . Passthrough accounts 4346, 4356 . . Pension plan 4298, 4303 . . Trust account 4213, 4298, 4334 . . Trustee 4216 . Investment Advisers Act of 1940 . . Securities and Exchange Commission 9378.01 . Merchant banking investments 6110.28-R . Missing, lost, counterfeit, or stolen securities . . Form X-17F-1A (SEC) 9442.01 . Pension plan . . Fiduciary relationship 4529 Recordkeeping requirements for qualified financial contracts . Content of records 3250 . Definitions . . Affiliate 3249 . . Appropriate federal banking agency 3249 . . Insured depository institution 3249 . . Position 3249 . . Qualified financial contracts (QFCs) 3249 . . Troubled condition 3249 . Enforcement actions 3251 . File structure for qualified financial contract (QFC) records 3251 . Form, availability and maintenance of records 3250 Recordkeeping transfer agent . Definition 9438.02-A Records SEE ALSO Agency records OR Confidentiality of record OR Exempt records OR Falsification of book, record, report, account, or statement OR Financial record OR Information availability and management OR Medical records OR System of records . Definition 2167, 2188, 7196.01, 8030, 8590.51, 8590.72, 9180, 9258.11 Records maintenance and retention SEE ALSO Information availability and management OR Reports and reporting requirements . Administrative enforcement . . Disclosure 1149 . Assessment 1116 . Business development company . . Financial statement 9354 . Currency transactions . . Broker or dealer in securities 8500 . . Currency dealer or exchanger 8503 . . Domestic currency transactions 8403, 8496 . . Financial institutions 8498.08 . . Foreign currency transactions 1303 . . Gambling casino 8501 . Domestic coin transactions 8403, 8496 . Electronic Fund Transfer Act . . Compliance 7408.01 . Executive officer . . Annual report . Federally-related mortgage loans 7003 . Financial record . . Government authority 7096 . Foreign activities . . Insured state nonmember banks 2853 . Foreign banks and banking 1303, 2859 . FRB's Regulation E . . Compliance 7378 . FRB's Regulation M 6692 . FRB's Regulation O 7650 . . Federal Reserve Act, section 22(h) 4093, 4104 . FRB's Regulation T 7661 . FRB's Regulation Z . . Compliance 6667, 6969 . . Inspection 6668 . Gambling casino . . Currency transactions 8501 . . Exemptions 8509 . Government securities . . Custodial holdings 8276 . . Depository institutions 8276 . . Financial institutions 8265 . . Forms and instructions 8248, 8265 . Home Mortgage Disclosure Act of 1975 . . Disclosure requirements 7302 . Housing assistance programs . . Federal financial assistance 9703 . Insured depository institutions . . Checks 1304 . . Draft reproduction 1304 . . Foreign currency transactions 1303 . . Identity of account 1304 . . Signature 1304, 4654 . Insured state nonmember banks . . Standby letter of credit 2637 . International Lending Supervision Act of 1983 . . Appropriate federal banking agency 8803 . Loan and credit applications . . Business credit 7222 . . Consumer credit practices 7221, 7254 . Monetary instruments transactions 1303 . . Compliance 1148 . . Criminal, tax or regulatory investigation or proceeding 8381 . Principal officer . . Annual report . Registered securities . . Registered transfer agent 9436.01, 9437 . Registered transfer agent . . Fingerprinting 9442.01 . . Information availability and management 9436 . . Microfilm 9438 . Reproduction . . Checks 1304 . RESPA . . Treasury Department regulation 1304 . Secretary of the Treasury . . Annual report to Congress 1305 . Securities transactions . . Broker or dealer in securities 9232 . . Examination 9232 . . Filing requirement 9232, 9233 . . Insured nonmember banks 2755, 2756, 2758, 4388 . . Municipal securities dealer 9232 . . Municipal Securities Rulemaking Board 9232 . . National securities exchange 9232 . . Registered clearing agency 9232 . . Registered securities association 9232 . . Registered transfer agent 9232 . . Securities information processor 9232 . . Servicing activity 4388 . . Trust department 4666 . Small transfer agent . . Exemptions 9435 . Transfer agent . . Master securityholder file 9438.02-A, 9438.04 Recourse . Assets transfer . . Small business obligations 2262.06-B, 6120.07 . . Study 8890.17 . Definition 2262.03, 6120.03, 8890.01 . Risk-based capital . . Direct credit substitute 2262.01, 2262.04, 6120.04 . . Risk-weighting 2262.04, 2262.05, 6120.04 Redeemable security . Definition 9288 . Registered investment company . . Distribution 9319 . . Repurchase 9319 . Registered securities association . . Distribution 9318 . . Repurchase 9318 Redemption . Mortgage foreclosure proceedings . . FDIC Statement of Policy 5359 Redeposited checks . Funds availability . . Delayed availability of funds 7428.01 . . Exceptions 7418.03, 7418.57 Refinancing . Definition 6993, 7273 . FRB's Regulation O . . Mixed purpose loan 4779 . FRB's Regulation Z . . Disclosure requirements 6666, 6958.09 . Mortgage loan . . Balloon payment 4272 . . Executive officer 4649, 4923 . . Rule of 78's 8775 . Real estate-related financial transactions . . Appraisals 4601, 4605, 4609, 4617, 4673 . Truth in Lending Act . . Right of rescission 6578, 8890.17 Refund SEE ALSO Returns and refunds . Assessment . . Overpayment 1188.14 . Credit balance . . FRB's Regulation Z 6958.13 . . Open end credit 6652.08, 6914 Regional administrative office . Definition 7628.06 Regional counsel . Definition 2045 Regional director . Definition 2045 Registered broker or dealer SEE ALSO Broker or dealer in securities OR Government securities broker or dealer OR Municipal securities dealer OR Registered government securities broker or dealer OR Registered municipal securities dealer OR Unregulated securities dealer . Brokered deposits . . Depository institutions 4687 . Definition 8247, 9183 . Dual service . . Bank employees 4686 . Risk analysis coordination . . Appropriate federal banking agency 1417 . . Confidentiality of record 9236 . . Securities and Exchange Commission 1417 . Risks . . Disclosure requirements 9236 . . Reports and reporting requirements 9234.01 . Securities Exchange Act of 1934 . . Form G-FIN, notification by financial institutions of status as government securities broker or dealer pursuant to section 15C(a)(1)(B)(i) of the Securities Exchange Act of 1934 8271 Registered clearing agency SEE ALSO Clearing agency OR National clearance and settlement system . Registered securities 9438.02 . Securities transactions . . Records maintenance and retention 9232 Registered diversified company SEE ALSO Diversified company . Investment Company Act of 1940 . . Functions 9303 Registered face-amount certificate company . Financial statement . . Independent public accountant 9336 . Investment Company Act of 1940 . . Capital structure 9316 Registered government securities broker or dealer SEE ALSO Broker or dealer in securities OR Government securities broker or dealer OR Municipal securities dealer OR Registered broker or dealer OR Registered municipal securities dealer OR Unregulated securities dealer . Appropriate federal banking agency . . Confidentiality of record 9228.09 . Definition 8247 . Reports and reporting requirements . . Financial recordkeeping and reporting of currency and foreign transactions 8269 . Risk analysis coordination . . Appropriate federal banking agency 1417 . . Confidentiality of record 9236 . . Securities and Exchange Commission 1417 Registered investment company SEE ALSO Investment company . Annual report . . Financial statement 9332 . Breach of fiduciary duty 9338 . Civil money penalties . . Willful violation 9300.01 . Definition 8673.12 . Insider transactions . . Ownership of ten percent 9332 . Investment adviser . . Contract 9307 . Investment Company Act of 1940 . . Affiliated person 9332 . . Circular ownership 9317 . . Director 9301, 9309 . . Dividends 9317 . . Functions 9303, 9305, 9306 . . Larceny and embezzlement 9338.01 . . Periodic payment plan 9325 . . Proxy 9317 . . Reorganization 9322 . . Reports and reporting requirements 9332 . . Voting trust 9317 . Investment policy . . Changes 9306 . Records maintenance and retention 9335 . Redeemable security . . Distribution 9319 . . Redemption 9319 . . Repurchase 9319 . Securities Act of 1933 . . Registration statement 9320 . Underwriter . . Contract 9307 . Unit investment trusts 9323 . Unlawful activities 9303 Registered management company SEE ALSO Management company . Custody of securities 9312 . Financial statement . . Independent public accountant 9336 . Investment Company Act of 1940 . . Capital structure 9314.01 . . Loans or extensions of credit 9318 Registered municipal securities dealer SEE ALSO Broker or dealer in securities OR Government securities broker or dealer OR Municipal securities dealer OR Registered broker or dealer OR Registered government securities broker or dealer OR Unregulated securities dealer . Risk analysis coordination . . Appropriate federal banking agency 1417 . . Confidentiality of record 9236 . . Securities and Exchange Commission 1417 Registered public accounting firm . Audit Committee 9194.04-A . Definition 9186.01 Registered securities . Audit . . Illegal acts 9194.01 . Beneficial ownership . . Reports and reporting requirements 9210 . . Williams Act 9211 . Broker or dealer in securities . . Borrowing restrictions 9192 . . Hypothecation restriction 9193 . . Solicitation 9214, 9214.01 . Delegated authority 2424 . . Federal Reserve banks 6197 . . FRB Division of Banking Supervision and Regulation Director 6190 . FDIC Statement of Policy . . Offering circular 5061 . Form F--1 registration statement . . Registration 9200 . Form F--2 annual report . . Securities transactions 9200 . Form F-11 acquisition statement . . Exemptions 9208 . Form F-13 tender offer 9215 . FRB's Regulation E . . Exemptions 7363 . Insider transactions . . Arbitrage transaction 9231 . . Convertible equity security 9230 . . Director 9230 . . Officer 9230 . . Ownership of ten percent 9230 . . Principal shareholder 9230 . . Stock option plan 4370 . National securities exchange . . Exchange certification 9200 . . Termination of registration 9200 . OTC securities . . Termination of registration 9203 . Prohibited foreign trade practices 9259, 9262 . Proxy solicitation . . Meeting 4034 . Registered clearing agency 9438.02 . Registered transfer agent . . Records maintenance and retention 9436.01, 9437 . . Turnaround 9434 . Registration statement . . Effective date 9200 . Reports and reporting requirements 9206, 9211 . . Insider transactions 4399 . . Missing, lost, counterfeit, or stolen securities 9440.04 . Repurchase agreements . . Insurance coverage 4416 . Savings associations . . Office of Thrift Supervision, Director 8699 . Securities and Exchange Commission . . Internal securities standards 9233 . . Missing, lost, counterfeit, or stolen securities 9234.01 . . Suspension of registration 9204 . . Suspension of trading 9204 . Securities Exchange Act of 1934 . . Reacquired shares 9209 . . Repurchases by issuer 9209 . Shareholder rights . . Accelerated registration 4420 . Tender offer . . Securities transactions 9415 . . Unlawful practices 9431 Registered securities association SEE ALSO Member of registered securities association . Disciplinary action 9228.02 . . Toll-free telephone access 9228.02 . Government securities broker or dealer . . Membership 9228 . . Registration 9228.13 . Redeemable security . . Distribution 9318 . . Repurchase 9318 . Registration 9226.02 . . Affiliated securities association 9221, 9240 . . National securities association 9221 . . National securities exchange 9221, 9240.05 . . Records maintenance and retention 9232 Registered transfer agent . Delegated authority . . FDIC Division of Supervision Director 2707 . . FRB Division of Banking Supervision and Regulation Director 6190 . Expansion of new business . . Limitations 9434.01 . FDIC . . Appropriate regulatory agency 2705 . Fingerprinting 9234.01, 9442.01 . Form TA-1 Transfer Agent Registration and Amendment Form 2706, 9240 . Information availability and management . . Records maintenance and retention 9436 . Inquiries 9435 . Internal accounting control . . Annual report 9438.06 . Notice Pursuant to Rule 17f-2 (SEC) . . Securities and Exchange Commission 9443 . Records maintenance and retention 9436 . . Securities transactions 9232 . Registration . . Effective date 2706 . . Securities and Exchange Commission 9235 . Safeguarding of funds and securities 9438.05 . Tender offer . . Book-entry depository account 9439 . Termination of registration . . Notice of withdrawal 2706 Registrant . Definition 2706, 2708 Registration information . Definition 9228.02-A Registration statement SEE ALSO Form F--1 registration statement OR Form FR G-1 . Definition 8978 . Delegated authority . . Federal Reserve banks 6190 . . FRB Division of Banking Supervision and Regulation Director 6190 . Falsification of book, record, report, account, or statement . . Civil liability 8987, 8990 . Investment Advisers Act of 1940 . . Fraudulent statement 9375 . Registered securities . . Effective date 9200 . Securities Act of 1933 8985 . . Amendment 8986.01 . . Registered investment company 9320 . . Requirements 8986, 8997 Registry accounts . Insurance coverage . . Public unit account 4467 Regular price . Definition 6567 Regulated affiliate . Definition 8516.12 Regulated financial institution . Definition 6988.25 Regulated institutions . Definition 6110.23 Regulated lending institution . Definition 7498 Regulation AA SEE FRB's Regulation AA Regulation B SEE Equal Credit Opportunity Act OR FRB's Regulation B Regulation C SEE FRB's Regulation C Regulation CC SEE FRB's Regulation CC Regulation D SEE FRB's Regulation D Regulation E SEE FRB's Regulation E Regulation K SEE FRB's Regulation K Regulation M SEE FRB's Regulation M Regulation O SEE FRB's Regulation O Regulation T SEE FRB's Regulation T Regulation U SEE FRB's Regulation U Regulation X SEE FRB's Regulation X OR HUD's Regulation X Regulation Y SEE Bank holding company OR FRB's Regulation Y Regulation Z SEE FRB's Regulation Z OR Truth in Lending Act Regulations SEE Rules and regulations Regulatory agenda . Regulatory Flexibility Act . . Federal Register 8051 Regulatory burdens . FDIC Improvement Act of 1991 . . Report to Congress 8550.03 . . Study 8550.02 . Riegle Community Development and Regulatory Improvement Act of 1994 8890.11 . . Call report 8890.12 . . Regulation effective dates 8890.11 . . Studies 8890.15 . . Variable rate mortage disclosures 8890.12 Regulatory Flexibility Act . Act 8049 . Compliance . . Small Business Administration 8054.02 . Effect on other laws 8053 . Regulatory agenda . . Federal Register 8051 . Regulatory flexibility analysis . . Federal Register 8051, 8052 . . Judicial review 8054.01 . . Small Business Administration 8051 Regulatory reports . Definition 5306 Rehabilitation Act of 1973, section 504 . FDIC . . Compliance 2948 . . Nondiscrimination 2945 Reimbursement SEE ALSO Relief from reimbursement . Cost reimbursement . . Injunctive relief 7104 Reinsurance . FDIC Improvement Act of 1991 . . Insurance coverage 8550.23 Related interest . Definition 3119, 7512.06-B, 7644, 7650, 7652 . FRB's Regulation O . . Aggregate lending limit 4020 . . Divestiture 4066 . . Extensions of credit 4032, 4035 . . Insider transactions 4049 . . Loans or extensions of credit 4096, 4416 Related interests of such persons . Definition 6064 Relevant capital measure . Definition 1432 Relevant metropolitan statistical area . Definition 2866 Relevant state supervisor . Definition 7628.06 Relevant supervisory agency . Definition 2844.03 Relief . Definition 8023 Religious organization SEE Nonprofit organizations Remote service facilities . Definition 2782 . . Automated loan machines 4984.19 Remotely created check . Definition 7418.01, 7418.56-A Removal or suspension of institution-affiliated party SEE ALSO Notice of intention to remove or prohibit OR Order of removal . Corrective action 1435, 2166.15 . . Administrative procedure 1441, 2166.15 . . Enforcement 2166.16 . Felony . . Adjudicatory proceedings 2166.03 . Judicial review . . Violation of orders 1142 . Notice of intention to remove or prohibit 1138, 1140 . . Depository Institution Management Interlocks Act 1137 . . Temporary directors 1141 . Order of prohibition 1138, 1140 . Order of removal or suspension 1138, 1140 . Termination of insurance . . Foreign banks and banking 1147, 2153 Renegotiation or extension . FRB's Regulation M . . Consumer leases 6690, 6730 . Loans or extensions of credit . . FRB's Regulation O 4102 . RTC Statement of Policy . . Insider indebtedness 4102 Renewal or substitution . Brokered deposits . . Troubled institutions 1359 . . Undercapitalized insured depository institution 1359 . Charge card . . Disclosure requirements 6584, 6652.06, 6911, 6974 . . FRB's Regulation Z 6652.08, 6916 . . Insurance 6652.06 . . Truth in Lending Act 6584 . Credit card . . Disclosure requirements 6584, 6652.06, 6911, 6974 . . FRB's Regulation Z 6652.08, 6916 . . Insurance 6652.06 Rent SEE ALSO Sale or rental of housing . Definition 6987, 9655 . Rent payments . . Insurance coverage 4693 Reorganization . Acquisition of control . . Bank holding company 4148 . . Notice of proposed transaction 4129 . Change in Bank Control Act of 1978 . . Nonbanking subsidiaries 4465 . Definition 9288 . Investment Company Act of 1940 . . Registered investment company 9322 Repayment . Definition 6592.06 Repo-style transaction . Definition 2262.35, 6120.57 Report of condition SEE Condition report Report of indebtedness . FRB's Regulation O . . Interpretations 7656.06, 7656.14 Report of International Transportation of Currency or Monetary Instruments . Financial recordkeeping and reporting of currency and foreign transactions . . Transportation of currency or monetary instruments 8487 Report to Congress SEE ALSO Annual report to Congress . Administrative enforcement . . Disclosure 1149 . FDIC . . Activities 1249 . . Assets 1249 . . Audit 1247 . FDIC Improvement Act of 1991 . . Early resolution 8550.01 . . Foreign Bank Supervision Enhancement Act of 1991 8550.02 . . Insurance coverage 8550.02, 8550.22-A . . Regulatory burdens 8550.02 . . Reserve requirements 8550.28-B . Gramm-Leach-Bliley Act 8673.10, 8673.26 . Housing and Urban Development Act of 1968 . . Low-income housing 8740.51 . Insured depository institutions . . Contract 1371 . International Banking Act . . Capital standards 8794.02 Reportable transaction . Definition 8404 Reporting activity level . Definition 9213 Reporting institution . Definition 9440.03 Reporting period . Definition 9432.16 Reports and reporting requirements . Acquisition of control 1130.01 . Appropriate federal banking agency . . Deposit insurance fund loss 1440 . Asset growth . . Brokered deposits 4533 . Bank Service Company Act 8183 . . Institutional investment manager 9209 . Capital adequacy . . Condition report 4446 . Casinos 8486.02-D . Check clearance . . Rules and regulations 7428.05 . Correspondent account . . Overdrafts 4037 . CRA-related agreements 2835 . . Annual report 2842 . . Covered agreement 2842 . . Disclosure requirements 2835, 2841 . Crimes and dishonesty . . Insured nonmember banks 2965 . Currency transactions 8486.02-A . . Domestic currency transactions 8383, 8496 . . Exemptions 8486.02-B . . Gambling casino 8486.02-E . Customer information 3171, 6120.37 . . Gramm-Leach-Bliley Act 3165, 3169, 6120.35 . . Security devices and procedures 3170, 6120.36 . Delegated authority . . FRB Division of Banking Supervision and Regulation Director 6187, 6190 . Edge Corporation 7628.03 . . Annual meeting 7518 . . Suspicious activity report 7619 . FDIC . . Affordable housing program 1486 . . Bank Insurance Fund (BIF) 1247 . . FSLIC Resolution Fund 1247 . . Office of Management and Budget 1247 . . Savings Association Insurance Fund (SAIF) 1247 . FDIC receiver or conservator . . Receivership and liquidation 1188.12-A . Federally-related mortgage loans . Financial recordkeeping and reporting of currency and foreign transactions . . Identity of person 1327 . . Foreign financial agency 8490 . . Transportation of currency or monetary instruments 8487 . Foreign activities . Foreign banks and banking 7627 . . Financial Institutions Regulatory and Interest Rate Control Act of 1978 (FIRA) or (FIRIRCA) 4071 . . Insider indebtedness 4071 . . Insured branches 4071 . . International Banking Act 8794.02 . . Suspicious activity report 7628.10 . FRB member banks . . Loans secured by bank stock 7651 . FRB Secretary 6183 . . Prime rate 6183 . FRB's Regulation O . . Correspondent banks 7651 . . Interpretations 7656.13 . . Loans or extensions of credit 7650 . Housing assistance programs . . Federal financial assistance 9709 . Insider transactions . . Employee benefit plan 4399 . . Registered securities 4399 . Institutional investment manager 9209 . . Investment discretion . . Securities Exchange Act of 1934, section 13(f) securities . Insurance coverage . . Custodial account 4449 . Insured depository institutions . . Accounting 1425 . . Annual report on financial condition and management 1419 . . Audit 3161 . . Branch closure 1501 . . Condition report 1111 . . Deposit insurance fund loss 1439 . . Uniform accounting principles 1425 . International Lending Supervision Act of 1983 . . Foreign country exposure 7630, 8803 . Investment Advisers Act of 1940 9374 . Investment Company Act of 1940 . . Registered investment company 9332 . Minority and women outreach program . . FDIC Office of Diversity and Economic Opportunity 3089 . Missing, lost, counterfeit, or stolen securities . . Exemptions 9442.01 . . Form X-17F-1A (SEC) 9439, 9442.01 . Monetary instruments transactions 8395, 8398 . Mortgage loan 7303 . Municipal Securities Rulemaking Board . . Municipal securities transactions 9228.06 . New systems . . Matching program 8036.03 . Principal shareholder . . Collection of information 4149 . . Loans or extensions of credit 4149 . Registered government securities broker or dealer . . Financial recordkeeping and reporting of currency and foreign transactions 8269 . Registered securities 9206, 9211, 9223 . Registered transfer agent . . Form TA-1 Transfer Agent Registration and Amendment Form 2707 . . Form TA-2 Form for Reporting Activities of Transfer Agents Registered Pursuant to Section 17A of the Securities Exchange Act of 1934 9432.16 . . Process 9434, 9434.01 . Research reports 9228.16 . . Disclosure requirements . Risks . . Government securities broker or dealer 9228.08 . . Municipal securities dealer 9234 . . Penny stock 9224 . . Registered broker or dealer 9234.01 . Savings banks . . Consolidated reports of condition and income 2069 . Securities and Exchange Commission . . Institutional investment manager 9208 . . Municipal securities transactions 9228.02-B . Securities transactions 9206 . Security program . . Insured nonmember banks 2265 . State nonmember banks . . Consolidated reports of condition and income 2069 . Suspicious activities 2965, 6090, 8486.02 . . Broker or dealer in securities 8486.02-A . Transfer agent . . Master securityholder file 9438.04 Reports of information regarding safety and soundess of depository institutions . Reports to appropriate federal banking agencies 8059 . Procedures for receipt of disclosure reports 8059 . Effect on agencies 8060 Representation before FDIC SEE Appearance or practice before FDIC Representative . Definition 2166.21 Representative of the news media . Definition 2169, 8590.14, 8590.72 Representative office . Definition 2847, 7613, 7628.06, 8785 . Foreign banks and banking 7628.10, 8797 Representative or nominee . Certificate of deposit . . Insurance coverage 4830 . Definition 2866, 4056 . Interlocking relationship . . Adjacent cities, towns, or villages 4044 . . Change in Bank Control Act of 1978 4059 . . Depository organization 4039 . . Family relationship 4067 . . Management official 4031, 4048, 4052, 4056, 4166, 4176, 4511, 4917 . Voting trust . . Acquisition of control 4092 Repudiation SEE Right of rescission Repurchase agreements SEE ALSO Retail repurchase agreements . Assessment base 4613 . Assets liquidation . . FDIC receiver or conservator 4325 . Custodial holdings . . Government securities 4968, 8260, 8280.04, 8280.05 . Definition 1188.14-D, 3086 . Disclosure requirements 4966 . FDIC Statement of Policy . . Broker or dealer in securities 5265 . . Federal Financial Institutions Examination Council 5265 . . Margin requirements 5268 . . Secured credit transactions 5265 . Foreign branches . . Powers 7616 . FRB's Regulation K . . Powers 7616 . . Short-term loans 7586.20 . Government securities broker or dealer . . Effective date . Guarantee the obligations of third parties . . Securities transactions 4126, 4128, 4143, 4153, 4984.44 . Insurance coverage . . Custodial account 4799 . . Registered securities 4416 . Receivership and liquidation . . Securities 4581 Required majority . Definition 9350 Required minimum level . Definition 1432 Required use . Definition 6994 Resale agreements SEE Repurchase agreements Rescission SEE Right of rescission Research reports . Definition . Reports and reporting requirements 9228.16 . . Disclosure requirements Reseller . Definition 6605 Reservable liabilities . Definition 7511 Reserve account . Definition 7009 Reserve fund . Definition 8890.03 Reserve ratios SEE ALSO Bank Insurance Fund (BIF) reserve ratio OR Savings Association Insurance Fund (SAIF) reserve ratio . Assessment rates 1114 . . Bank Insurance Fund (BIF) 1130.04 . . Savings Association Insurance Fund (SAIF) 1130.04 . Closed insured depository institutions 1130.04 . FRB's Regulation D . . Reserve requirements 7586.05 . Newly insured institutions 1130.04 Reserve requirements . Deficiency 7586.02 . . Exemptions 7512.02 . Exemptions . . Depository institutions 7512.02 . . Foreign, international, and supranational entities 7586.15 . . International banking facility 7586.05 . FDIC Improvement Act of 1991 . . Report to Congress 8550.28-B . . Study 8550.28-A . Foreign branches . . Deposits 7586.17 . FRB . . Depository institutions 7512.03 . . International banking facility 7586.05 . FRB's Regulation D . . Bankers' bank 7586.06 . . Branch or agency of a foreign bank 7582 . . Carryover of excesses or deficiencies 7584.01 . . Computation of rates 7583 . . Deductions 7584 . . Edge Corporation 7582 . . Emergency 7586.01 . . Exemptions 7583 . . International banking facility 7586.03 . . Interpretations 7586.21, 7586.22, 7586.23, 7586.25 . . Merger transactions 7586.01 . . Passthrough accounts 7584.01 . . Reserve ratios 7586.05 . . Supplemental 7586.01 . . Transitional adjustments 7586.01 . FRB's Regulation K . . Edge Corporation 7618 . . Foreign branches 7615 . International Lending Supervision Act of 1983 . . Appropriate federal banking agency 8802 . . Highly indebted country 8803 Reserves . Definition 7009 . Delegated authority . . Federal Reserve banks 6197 . Securities transactions . . Brokered deposits 4889 . Small business capital enhancement program 8890.05, 8890.07 . Sterile reserves . . Study 8890.15 Residential improved real estate . Definition 2664, 7498.02 Residential manufactured home . Definition 8544, 9528, 9536 Residential mobile home . Federally-related mortgage loans 9529 . National flood insurance program 2663 Residential mortgage exposure . Definition 2262.35, 6120.58 Residential mortgage transactions SEE ALSO Home mortgage . Definition 6567, 6645, 6881 Residential real estate . Definition 8704 Residential real estate loans . Definition 9388 . Pilot program 9396 . . Small business loans 9396 Residential real estate-related lending transaction . Definition . Discriminatory practices . . Self-test privilege Residential real estate-related transactions . Definition 6988.03 Residential real property . Definition 8704, 9528 Residents of the state . Definition 3119 Residual interest . Definition 2262.03, 6120.03 Residual value . Definition 6686 Resolution Trust Corporation SEE ALSO RTC . Employees . . Management personnel 1187 . Source of funds 1186 RESPA SEE Real Estate Settlement Procedures Act Respondent . Definition 2128, 6988, 8590.31, 9655, 9793 Responsibilities and conduct SEE ALSO Management responsibilities . Contractors . . Suspension or exclusion 3205 . FDIC employees 2607 . . Employment standards 2609 . . Sanctions 2610 Responsible agency . Definition 1518 Restitution . Truth in Lending Act . . Administrative enforcement 5049, 6572 . . Joint Statement of Policy 5049 Restructured debt . Savings associations . . Debt securities 4429 . . Noninvestment grade securities 4483 Restructured international loan . Definition 2864.05, 7628.25 Restructured loan . International loan . . Fees or charges 7630 . National banks . . Lending limits of the Comptroller of the Currency 9395 Resulting bank . Definition 1518 Resulting institution . Definition 2059, 2296.02 Retail credit SEE Consumer credit Retail deposit-taking . International Banking Act . . Foreign banks and banking 7491, 8792 Retail exposure . Definition 2262.35, 6120.58 Retail exposure subcategory . Definition 2262.35, 6120.58 Retail repurchase agreements . Federal securities 5265 . . FDIC Statement of Policy 5265 . . Money market mutual funds 7586.14 Retailer . Definition 8516.10-A Retained deposit base . Definition . Insured deposit transfer . . Bank Insurance Fund (BIF) member . . Savings Association Insurance Fund (SAIF) member Returning banks . Definition 7417, 7418.47 . FRB's Regulation CC . . Check collection 7418.16, 7418.84 . . Checks returned 7418.16, 7418.84 . . Depositary banks 7418.17, 7418.85 . . Fees or charges 7418.87 . . Notice in lieu of return 7418.14, 7418.87 . . Settlement 7418.87 . . Unidentifiable depositary banks 7418.14, 7418.86 Returns and refunds SEE ALSO Refund . Notification . . Credit card 6653, 6919 . . Fair Credit Billing Act 6590.01 Revenue and sharing . Definition 6588.14-A Revenues . Definition 7628.23 Reverse mortgage . Computation of rates 6678.39, 6985 . . Rate tables or charts 6678.45, 6985 . Definition 6992, 9536 . Disclosure requirements 6588.13 Reverse mortgage transaction . Definition 6569, 6670, 6982.02 Reverse repurchase agreements SEE Repurchase agreements Review . Definition 2171, 8590.13, 8590.72 Reviewing official . Definition 2166.21 Revocable trust account SEE ALSO Payable-on-death account . Beneficial ownership . . Individual retirement account 4317, 4500, 4546, 4550 . Disclosure requirements . . Fiduciary relationship 4469 . Insurance coverage 2359, 4266, 4361, 4401, 4458, 4811, 4876, 4917, 4962, 4984.95 . . Charities 4577 . . Contingencies 4461 . . Decedent account 4984.25 . . Guidelines 4513 . . Health and savings account 4984.118 . . Husband and wife aggregate account 4485, 4984.99 . . Independent activity 4539 . . Individual account 4368 . . Irrevocable trust 4280, 4289 . . Joint account 4280, 4289, 4368 . . Living trust accounts 4876, 4984.101 . . Passthrough accounts 4614 . . Power of attorney 4853 . . State laws 4467 . . Trust account 4496 . Joint account . . Grantors and beneficiaries identical 4548 Rewards . Advertising . . Certificate of deposit 4984.52 . Informants . . Civil money penalties 1411 . . Monetary instruments transactions 8402, 8513 Rhode Island . FDIC Improvement Act of 1991 . . Financial assistance 8550.29 Riegle Community Development and Regulatory Improvement Act of 1994 . Act 8871 . Community Development Banking and Financial Institutions Act of 1994 8871 . Community development financial institution fund 8871 . . Small business capital enhancement program 8890 . Money Laundering Suppression Act of 1994 8890.18 . National Flood Insurance Reform Act of 1994 8890.19 . . Real property loan 4913 . Regulatory improvement 8890.11 . . Alternative dispute resolution 8890.13 . . Application time limits 8890.17 . . Asset transfer with recourse 8890.17 . . Call report 8890.12 . . CRA 8890.17 . . Ombudsman 8890.13 . . Studies 8890.15 Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 . Act 7491 . Branch or agency of a foreign bank . . Merger transactions 4982 Right holders . Change in Bank Control Act of 1978 . . Acquisition of bank shares or assets 4109 Right of rescission . FDIC receiver or conservator 4836 . . FDIC Statement of Policy 5377 . FRB's Regulation Z . . Consumer rights 6659, 6926.01 . . Disaster areas . . Effect of rescission 6930, 6962 . . Exemptions 6931 . . Notice of right to rescind 6658, 6928, 6961 . . Open end credit 6658, 6926.01 . . Waiver of right 6931 . Truth in Lending Act . . Consolidation 6579 . . Disclosure requirements 6578 . . Foreclosure 6579 . . Refinancing 6579, 8890.17 . . Residential mortgage transactions 6579 . . Security interest 6579 Right to Financial Privacy Act of 1978 . Act 7091 . Effective date 7109 . Enforcement . . Jurisdiction of court 7104 . Government authority . . Cost reimbursement 7103 . . Special procedure 7102 . . Statute of limitations 7105 . Injunctive relief . . Cost reimbursement 7103 . Justice Department Compliance Guidelines 7106 . Quash motion . . Customer 7097 . Secret Service . . Special procedure 7102 . Securities and Exchange Commission 7091 . . Financial record 9250 . Subpoena . . Grand jury 7105 . Violation . . Penalties 7104 Right to privacy . Privacy Act of 1974 . . Invasion of privacy 8036.05 Rights and capacities . Insurance coverage . . Deposit ownership 2352 . . Multiple accounts 4917 Rights, privileges, and franchises . Edge Corporation . . Forfeiture 7517 Risk analysis coordination . Appropriate federal banking agency . . Registered broker or dealer 1417 . . Registered government securities broker or dealer 1417 . . Registered municipal securities dealer 1417 . . Securities and Exchange Commission 1417 Risk areas . Definition 5306 Risk assets . Calculations . . Bank holding company 6120.02-B-2, 6120.16-B . . Risk-based capital 2261, 2262.06-O . Capital . . Minimum supervisory ratio 6120.16-A . Foreign activities . . Records maintenance and retention 2853 Risk assignments . Definition 2290 Risk-based assessment system SEE ALSO Assessment . Assessment rates 1114, 2282 . . Bridge banks 2287 . . FDIC receiver or conservator 2287 . . Payment of assessment 2282, 2287 . . Supervisory evaluations 2287 . Assessment risk classification 2286 . . Advertising 2250, 2288 . . Disclosure restrictions 2250, 2288 . . Review 2288 . Authority 1114 . Definition 1114 . Reinsurance 1114 Risk-based capital . Calculations 2261, 2262.06-N . . Futures, forward, and standby contracts 6120.13 . . Goodwill 6119 . . Market risk 2262.13 . . Off-balance sheet items 2261, 6120.11, 6120.17 . . Risk-weighting 2262.06-O . . Swap transactions 6120.13 . Capital adequacy 6117 . . Bank holding company 6110.28-U . . Collateral 6120.02-B-3 . . Derivative contracts 2262.06-J, 6120.13, 6120.18 . . Foreign exchange rate contracts 2262.06-J, 6120.13 . . Government guarantees 6120.02-B-3 . . Intangible assets 6119 . . Interest rate contracts 2262.06-J, 6120.13 . . Investment in subsidiaries 6120 . . Mortgage-backed securities 6120.04 . . Mortgage servicing assets 2248, 6119 . . Purchased credit card relationships 6119 . . Tier 1 capital 6117 . . Tier 2 capital 6117 . Capital standards 8550.21 . . Appropriate federal banking agency 1269 . . Bank for International Settlements 8550.21 . . Economic impact study 8890.15 . . Minimum ratio 2262.06-M . FDIC Statement of Policy 2256 . Netting . . Credit equivalent amounts 6120.15 . Recourse . . Direct credit substitute 2262.01, 2262.04, 6120.04 . . Risk-weighting 2262.04, 2262.05, 6120.04 Risk categories . FRB's Regulation Y . . Specific risks 6120.32 . Insured state nonmember banks . . Capital ratios 2257, 2262.06-C, 2262.06-O Risk parameter . Definition 2262.35, 6120.58 Risk participation . Definition 2262.04, 6120.04 Risk-weighted assets . Definition 6028, 2244 Risk-weighting . Risk-based capital 2262.06-O . . Direct credit substitute 2262.01, 2262.04, 6120.04 . . Futures, forward, and standby contracts 2262.06-I . . Recourse 2262.04, 2262.05, 6120.04 . Specific risks 2262.17, 6120.32 Riskless principal transaction . Definition 7788, 9404 Risks SEE ALSO Systemic risk SEE Transfer risk . Bank holding company . . Assessment 9234.01 . Disclosure requirements . . Penny stock 9224 . Federal Financial Institutions Examination Council . . Employee training . Government securities broker or dealer . . Disclosure requirements 9228.08 . . Reports and reporting requirements 9228.08 . Municipal securities dealer . . Reports and reporting requirements 9234 . Registered broker or dealer . . Disclosure requirements 9234 . . Reports and reporting requirements 9234.01 . Subprime lending 5479 Robbery and incidental crimes SEE ALSO Crimes and dishonesty . Criminal laws and procedures . . Financial institutions 8297, 8306 Roca supervisory ratings . Definition 2290 Rollover funds SEE ALSO Renewal or substitution . Insurance coverage . . Securities 4556 Routine governmental action . Definition 9261, 9266, 9269 Routine item . Definition 9433 Routine use . Definition 2188, 8030, 8590.51 Routing number . Definition 7417, 7418.47 . FRB's Regulation CC . . Next-day availability 7418.22-K . . Paying banks 7418.83 RTC receiver or conservator SEE ALSO Receivership and liquidation OR Resolution Trust Corporation . Brokered deposits . . FDI Act, section 29 4427 . . Undercapitalized insured depository institution 4427 . Collateral 4425 . Creditor . . Priorities 3084 . Office of Thrift Supervision, Director . . Federal savings associations 8705 . Property taxes . . Tax implications 4556 Rule . Definition 8023, 8050 Rule 10b-18 (SEC) purchase . Definition 9405 Rule 13e-3 (SEC) transaction . Definition 9407 . Securities transactions . . Antifraud rules 9409 . . Disclosure requirements 9410 . . Exceptions 9412 . . Filing requirement 9409 . . Schedule 13E-3 (SEC) 9418 Rule 13f-1 (SEC) SEE Securities Exchange Act of 1934, section 13(f) securities Rule 17f-1 (SEC) SEE Missing, lost, counterfeit, or stolen securities Rule Concerning Preservation of Consumers' Claims and Defenses . Federal Trade Commission Act . . Exemptions 7163 . . Unfair or deceptive acts or practices 7163 Rule making . Administrative procedure 8044 . . Hearing 8046 . Definition 8023 . Delegated authority . . FRB Secretary 6183 . Federal Trade Commission 8551 . . Compensation 8569 . Notice of proposed rules . . FDIC 2168 . . Federal Register 8044 . Securities and Exchange Commission . . Self-regulatory organization 9240.06 Rule of 78's . Consumer credit . . Prepayment 8775 Rules and regulations . Advertising . . Administrative procedure 8022 . Check clearance . . Reports and reporting requirements 7428.05 . Definition 9178 . Depository Institutions Deregulation and Monetary Control Act of 1980 . . Comptroller of the Currency 8595 . . Interpretations 9532 . . State usury laws 9527 . Effective date . . Riegle Community Development and Regulatory Improvement Act of 1994 8890.11 . Fair Credit Billing Act . . Consumer report 6590 . Fair Housing Act . . Secretary of Housing and Urban Development 6988.16 . FDIC . . Powers 1155 . . Review 5057 . FDIC Improvement Act of 1991 . . Insurance coverage 8550.22-B . FDIC Statement of Policy . . Development 5057 . Federal Trade Commission . . Unfair or deceptive acts or practices 7163 . FRB . . Electronic fund transfers 6626 . . Federal Trade Commission Act 8568, 8569 . Garn-St Germain Depository Institutions Act of 1982 . . Preemption of state due-on-sale laws 9535 . Home Owners' Loan Act . . Preemption of state due-on-sale laws 9535 . Insured state nonmember banks . . Lottery 1297 . International Lending Supervision Act of 1983 . . Appropriate federal banking agency 8802 . Investment Company Act of 1940 9338.01 . Office of Thrift Supervision, Director . . Federal savings associations 8706 . Penny stock . . Fraudulent and manipulative practices 9224 . Registered securities association . . Compliance 9221 . Regulatory Flexibility Act . . Regulatory flexibility analysis 8051, 8052 . Safe and sound banking practices . . Standards 1455 . Savings associations . . Supervision 8697 . Securities Exchange Act of 1934 9252.01 . Securities information processor . . Publication 9197 . Self-regulatory organization . . Compliance 9244 . . Definition 9178 . . Securities transactions 9232 Rules of practice and procedure SEE ALSO Administrative procedure . Administrative law judge . . Appointment 2146 . . Office of Financial Institution Adjudication (OFIA) 2146 . Appraisal Subcommittee (FFIEC) 8590.31 . . Authority 8590.31, 8590.34 . . 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 . Authority . . Administrative law judge 2129 . . FDIC Board of Directors 2129, 2146 . . FDIC Executive Secretary 2146 . FDIC . . Acquisition of control 2150 . . Adjudicatory proceedings 2126 . . Change in Bank Control Act of 1978 2151 . . Civil money penalties 2159 . . Clearing agency 2160.03 . . Commonly controlled depository institutions 2166.06 . . FDI Act, section 8 2127 . . FDI Act, section 8(a) 2153 . . FDI Act, section 8(c) 2157 . . FDI Act, section 8(e) 2166.03 . . FDI Act, section 8(p) 2153 . . FDI Act, section 10(c) 2163 . . FDI Act, section 19 2166.01 . . FDI Act, section 32 2165 . . FDI Act, section 39 2166.16 . . Local rules 2146 . . Municipal securities dealer 2160.03 . HUD . . Fair housing 9791 |
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