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c Calculations SEE ALSO Computation of rates . Assessment base 2288 . . Average assessment base 2288 . . Merger transactions 2296.01 . Bank holding company . . Capital ratios 6120.02-B-2, 6120.16-B . . Credit conversion factors 6120.02-B-2 . . Off-balance sheet items 6120.02-B-2 . . Risk assets 6120.02-A . Conversion transactions . . Entrance or exit fees . Insurance coverage . . Pension plan 4331 . Interest on deposits 7481 . Lending limits of the Comptroller of the Currency 9393 . Loans or extensions of credit . . Covered transaction 4288 . Risk assets . . Off-balance sheet items 2261 Call equivalent position . Definition 9432.02 Call report SEE ALSO Condition report . Definition 2905 CAMEL SEE Composite CAMELS rating OR Uniform financial institutions rating system Cancellation right SEE Right of rescission Cancelled certificate facility . Definition 9440.04 Cancelled or cancellation . Definition 9440.04 Capital SEE ALSO Leverage capital OR Primary capital OR Risk-based capital . Definition 2257, 6120.20 Capital adequacy . Bank holding company . . Enforcement action . . Goodwill 6119 . . Guidelines 6110.28-C, 6120.26, 6120.28 . . Intangible assets 6119, 6120.19 . . Investment in subsidiaries 6120 . . Market risk 6120.28 . . Risk-based capital 6110.28-U . Capital categories 2250 . . Branch or agency of a foreign bank 2252 . . Disclosure of information 4711 . . Notice 2251 . . Reclassification 2252 . . Unsafe or unsound practices or conditions 2166.13, 2253 . Corrective action 1457, 2166.12-A, 2250 . . Administrative enforcement 2166.16 . . Administrative proceedings 2166.13 . . Application procedure 2068.09 . . Bank holding company 2254 . . Capital restoration plan 2166.16, 2246 . . Disclosure of information 4711 . Correspondent banks . . Credit exposure limitation 7586.32 . Deferred tax assets 2248.01 . Delegated authority . . FRB Division of Banking Supervision and Regulation Director 6186.01 . Depository institutions . . Subsidiaries 2247 . Directives . . Enforcement 2250 . . Issuance 2166.13, 2249 . . Leverage capital 2249 . Edge Corporation 7627, 7628.01, 7628.02 . Evaluation . . Scope 2241 . FDIC Statement of Policy 2256 . Foreign banks and banking . . Correspondent banks 7586.34 . Guidelines . . Leverage measure 6120.26 . . Risk-based measure 6110.28-U . Insured state nonmember banks . . Capital instruments 2262.11 . . Mandatory convertible debt 2262.11 . . Market risk 2262.13 . . Perpetual preferred stock 2262.10 . . Risk-based capital 2256 . Intangible assets 1268, 2247, 2262.09, 6119 . . State member banks 6120.20 . International Lending Supervision Act of 1983 . . Appropriate federal banking agency 8803 . . FDI Act 8803 . Minimum requirements . . Enforcement 2262.07 . . Leverage capital 2245, 2262.07 . . Merger transactions 2246 . . Savings associations 2262.12, 8714.01 . Mortgage servicing 2248, 6119 . Purchased credit card relationships . . Limitations 6119 . Reports and reporting requirements . . Condition report 4446 . SAIF member state banks . . Conversion transactions 4755 . Termination of insurance . . Temporary suspension 1132 Capital adequacy guidelines . Definition 7612 . Leverage measure Capital and surplus . Definition 7612, 9385 Capital certificates SEE ALSO Capital stock . Federal savings associations . . Mutual capital certificates 8700 Capital distribution . Definition 1431 Capital instruments . Capital adequacy . . Insured state nonmember banks 2262.11 Capital maintenance SEE Capital adequacy Capital notes SEE ALSO Notes, bonds, debentures, or obligations OR Subordinated notes and debentures . Affiliates . . Investments 4112 . Collateral . . Transactions with affiliates 4206 . Covered transaction . . Underwriter 4206 . Unregistered securities . . Subordinated notes and debentures 4399 Capital notes retirement . FDIC . . Approval 1263 Capital ratios SEE ALSO Minimum supervisory ratio OR Tier 1 risk-based capital ratio . Bank holding company . . Calculations 6120.02-B-2, 6120.16-B, 6120.21 . . Minimum standards 6120.16-A . Insured state nonmember banks . . Calculations 2262.06-N . . Conversion factors 2262.06-K . . Risk categories 2262.06-O . . Unsafe or unsound practices or conditions 2246 . Total assets . . Primary capital 6120.22 . . Risk-based capital 6117 Capital requirements SEE Capital adequacy Capital restoration plan . Definition 1432, 1458 . Undercapitalized insured depository institution . . Corrective action 1433, 1435, 1437, 2166.16, 2246, 2253 . . FDIC Statement of Policy 2262.08 . Written agreements 2262.09 Capital standards SEE ALSO Capital adequacy OR Risk-based capital . Activities . . Savings associations 1349 . Appropriate federal banking agency 1432 . . Review 1269 . . Uniform accounting principles 1426 . Definition 8890.01 . Federal savings associations . . Office of Thrift Supervision, Director 8715 . International Banking Act 8794.03 Capital stock SEE ALSO Capital certificates . Edge Corporation . . Controlling interest 7517 . . FRB 7516 . Undercapitalized insured depository institution . . Corrective action 1435 Capital stock and surplus . Definition Capital stock and unimpaired surplus . Definition Capital stock reduction or retirement . Delegated authority . . Application 2068.12 . . Federal Reserve banks 6196 . . FRB Division of Banking Supervision and Regulation Director 6189 . FDIC . . Approval 1263 . . Ownership of option, put, call, spread, and straddle 4169 Capital structure . Investment Company Act of 1940 . . Business development company 9351 . . Registered closed-end company 9314 . . Registered face-amount certificate company 9316 . . Registered open-end company 9315 Card club . Definition 8484.01 Card issuer . Definition 6567, 6605, 6643, 6874 . Rights and liabilities of cardholder . . Claim or defense 6653, 6916 Cardholder . Definition 6567, 6643, 6874, 6916.01 Carrying credit . Definition 7760 Carrying value . Definition 2262.23, 6120.45, 7785 Cash . Definition 7416, 7424 . Discount for prompt payment . . Cash Discount Act 6590.02 . . Fair Credit Billing Act 6590.02 Cash account . FRB's Regulation T 7666 Cash deposits . FRB's Regulation CC . . Next-day availability 7418.03, 7418.49 . Reporting violations 8722 . . Termination of insurance 1151 Cash Discount Act . Discount for prompt payment . . Cash 6590.02 Cash equivalent . Definition 7658 Cash item in process of collection . Definition 7580 . Insurance coverage . . Settlement 4245 Cash items . Definition 6110.16 Cash letters . Assessment base . . Bankers' bank 4644 . Bank failure . . Correspondent banks 4585 Cash management sweep account . Definition 2756 Cash price . Definition 6644, 6875, 6883 Cashier's checks . Closed insured banks . . Uncollected checks 4701 . Definition 7416, 7424 . Financial institutions . . Records maintenance and retention 8498 . FRB Statement of Policy . . Delayed disbursement 7418.124 . FRB's Regulation CC . . Next-day availability 7418.03, 7418.49 Casino SEE ALSO Gambling casino . Definition 8484, 8516.06, 8516.06-C Catalog and multipage advertisements . Advertising . . FRB's Regulation Z 6667, 6966 . . Open end credit 6660, 6933 . . Truth in Lending Act 6588.14 . Definition 6933 Categorical exclusion . Definition 5185 Cease-and-desist order SEE ALSO Temporary cease-and-desist order . Adjudicatory proceedings . . Civil money penalties 2159 . . Effective date 2158 . . FDI Act, section 8(c) 2157 . . Grounds 2157 . . Notice to state supervisory authority 2157 . . Securities Exchange Act of 1934 2157 . Civil money penalties . . Assessment 1143 . Comptroller of the Currency . . National banks 1135 . Copies requirement . . Service of notice 1145 . . Service of order 1145 . Delegated authority . . Federal Reserve banks 6192 . . FRB 6182 . . FRB Division of Banking Supervision and Regulation Director 6186.01 . . FRB General Counsel 6186.01 . Effective date 2158 . Federal Trade Commission . . Unfair method of competition 8551 . . Unfair or deceptive acts or practices 8551 . Federal Trade Commission Act . . Judicial review 8552 . FRB's Regulation Y . . Violation 6091 . International Banking Act . . Foreign banks and banking 1135 . Investment Advisers Act of 1940 . . Accounting and disgorgement 9373 . . Authority 9371, 9376 . . Civil money penalties 9371 . . Collection 9377 . . Violation 9376 . Investment Company Act of 1940 9300.02, 9340 . . Accounting and disgorgement 9300.03 . Notice of charges and of hearing 1134 . . Corrective action 1136 . Savings and loan holding company . . Service corporations 1135 . Savings associations 8734, 8740.04 . Securities Act of 1933 8986.02 . . Civil money penalties 8993 . . Court injunctions 8993 . . Judicial review 8986.04 . Securities and Exchange Commission . . Violation 9249 . Securities Exchange Act of 1934 . . Accounting and disgorgement 9257 . . Hearing 9255 . . Judicial review 9257 Cease-and-desist order which has become final . Federal Trade Commission 8552 Central filing system . Definition 8669 Central government . Definition 2262.06-D, 6120.08 Centralized administrative offset . Corporate debt collection 2238.21 . Definition 2238.01 Certificate detail . Definition 9438.02 Certificate number . Definition 9440.04 Certificate of deposit SEE ALSO Bearer certificate of deposit OR Brokered deposits OR Pooled collateral certificate of deposit . Advertising 4984.37, 4984.38, 4984.52 . . Rewards 4984.52 . Brokered deposits 4950, 4984.37, 4984.38, 4984.47 . . Credit union 4984.60 . Insurance coverage . . Bank failure 4487 . . Bondholder 4675 . . Broker or dealer in securities 4398 . . Conversion transactions 4530 . . Hybrid 4871 . . Interest rates 4984.94 . . Limited liability companies 4984.65, 4984.88 . . Merger transactions 4675, 4900 . . Negotiable instruments 4384, 4852, 4963 . . Passthrough accounts 4984.72, 4984.76, 4984.83 . . Pension plan 4107 . . Public bond issues 4647 . . Recordkeeping requirement 4466 . . Representative or nominee 4818 . . Savings and loan associations 4522 . . Securities transactions 4193, 4230 . Passthrough accounts . . Recordkeeping requirement 4356, 4358 . Sample forms . . Advertising 7452 . . Disclosure requirements 7451 Certificate year . Definition 9329 Certification . Definition 2238.02, 8516.11 Certified agency . Definition 9754 Certified checks . Definition 7416, 7418.42, 7424 . FRB's Regulation CC . . Next-day availability 7418.03, 7418.49 Certified local government . Definition 8822.28 Certified public accountant SEE ALSO Independent public accountant . FDIC . . Audit 1247 Certified statement SEE ALSO Form 6420/07 Certified Statement . Insured depository institutions . . Assessment 1117, 1118, 2281 CFTC . Definition 8246 . Securities Exchange Act of 1934 . . Exemptions 8252 Chain Banking Organizations Identification Records . FDIC . . System of records 2215 Chain banks . Affiliates . . Commonly controlled depository institutions 4611 . FDIC . . System of records 2215 Chairman of FDIC Board of Directors SEE ALSO FDIC Board of Directors . Definition 2238.02 . Neighborhood Reinvestment Corporation . . Member 8762 Chairperson . Definition Change in Bank Control Act of 1978 SEE ALSO Changes in Bank Control Ownership Records . Act 1120 . Acquisition of bank shares or assets . . Notice of proposed transaction 4234, 4984.74 . . Right holders 4109 . Acquisition of control . . Right holders 4109 . Assets . . Default 4154 . Civil money penalties . . Adjudicatory proceedings 2152 . . Assessment 1130.05 . . Exceptions 1130.05 . . Violation 1130.02 . Employee stock ownership plan 4806, 4911 . . Voting rights 4082 . Interlocking relationship . . Management official 4059 . . Representative or nominee 4059 . Jurisdiction . . Statute of limitations 1130.01 . Management official . . Violation 4080 . Nonbanking subsidiaries . . Reorganization 4465 . Notice of proposed transaction . . Employee benefit plan 4774 . . Exemptions 4150 . . Grandfather provisions 4088 . . Shareholders 4088 . . Voting rights 4137 . Power of attorney . . Sale of bank shares 4810 . Proxy solicitation . . Prior approval 4523 . Trustee . . Notice 4943 . . Stock transfer 4727 Change in control SEE ALSO Acquisition of control OR Change in Bank Control Act of 1978 . Definition 3118 Change in terms . Deposit accounts 7464, 7465 . . Disclosure requirements 7433, 7481 . Home equity plans . . Disclosure requirements 6588.11 Change the status . Definition 7628.05 Changed circumstances . Definition 6992 Changes in Bank Control Ownership Records . FDIC . . System of records 2208 Charge . Definition 9792 Charge card . Definition 6644, 9213 . Disclosure of information . . Contents 6581 . Disclosure requirements . . Annual percentage rate 6649 . . Application 6581, 6649 . . Effect on state laws 6669 . . Fees or charges 6585 . . Open end credit 6577, 6581 . . Renewal or substitution 6584, 6652.06, 6911, 6974 . Effect on state laws 6574 . . Solicitation 6669 . Insurance . . Open end credit 6585 . . Renewal or substitution 6652.06 . Open end credit . . 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) 6652.07, 6678.04, 6912, 6982.06 . Truth in Lending Act . . Application 6581 . . Renewal or substitution 6584, 6588.02 Charged to profit and loss . Definition 7196.01 Charges other than finance SEE ALSO Fees or charges OR Finance charges . Open end credit . . Initial disclosure statement 6651, 6902.20 . . Periodic statement 6652.05 Charitable gift annuity . Definition 9297 Charitable lead trust . Definition 9296 Charitable organization . Banking related activities 4984.50 . Broker or dealer in securities . . Exemptions . Definition 9296 Charitable remainder trust . Definition 9296 Charities SEE ALSO Nonprofit organizations . Banking related activities 4984.50 . Deposit broker 4837 . Insurance coverage 4633 . . Irrevocable trust 4577 . . Nonprofit organizations 4642 . . Revocable trust account 4577 Charter . Federal savings associations . . Office of Thrift Supervision, Director 8699 Check clearance . Depository institutions . . Schedules 7426, 7427 . Funds availability . . Permanent availability schedules 7426 . . Temporary availability schedules 7427 . Rules and regulations . . Reports and reporting requirements 7428.05 Check clearinghouse association . Definition 7424 Check collection . FRB's Regulation CC 7418.14 . . Closed banks 7418.104 . . Collection test 7418.14, 7418.77 . . Effect on state laws 7418.22-B, 7418.105 . . Liabilities 7418.22, 7418.102 . . Merger transactions 7418.22-B, 7418.105 . . Paying banks 7418.14 . . Qualified returned checks 7418.14 . . Returning banks 7418.84 Check guarantee . Credit card . . Standby letter of credit 4054 . FRB's Regulation Y . . Nonbanking activities closely related to banking 6110.03 . Insured state nonmember banks . . Guarantee the obligations of third parties 4146 Check processing region . Definition 7416, 7418.43, 7424 Checking account . Money market mutual funds . . Sweep accounts 4984.33, 4984.44 Checking account charges . Advertising . . Truth in Savings Act 4958 . Finance charges 6889 Checks SEE ALSO Cashier's checks OR Certified checks OR Federal Home Loan Bank Board checks OR Federal Reserve Board checks OR Local checks OR Local government checks OR Nonlocal checks OR State government checks OR Teller's checks OR Traveler's checks OR Treasury checks . Bank failure . . Correspondent banks 4585 . Closed insured banks . . Insurance coverage 4200 . Definition 7416, 7418.42, 7424 . Funds availability . . Schedules 7426 . Insured depository institutions . . Records maintenance and retention 1304, 8498 Checks returned . Depositary banks . . Fees or charges 7418.90 . . Misrouted 7418.89 . . Notice in lieu of return 7418.90 . . Payment 7418.88 . FRB's Regulation CC . . Check collection 7418.14, 7418.77 . . Depositary banks 7418.17, 7418.88 . . Good faith 7418.100 . . Interest on deposits 7418.08, 7418.64 . . Liabilities 7418.22, 7418.94 . . Paying banks 7418.14 . . Returning banks 7418.16, 7418.84 . . Same day settlement 7418.19, 7418.98 . . Time requirements 7418.102 . Paying banks . . Liabilities 7418.22, 7418.94 Chief docket clerk . Definition 9792 Childbearing or childrearing . Consumer credit practices . . Discriminatory practices 7215 Children or stepchildren . Insurance coverage . . Testamentary account 4212, 4213, 4292, 4418 Church plans . Broker or dealer in securities . . Disclosure 9334 . . Exemptions 8983, 9185 Circular ownership . Investment Company Act of 1940 . . Registered investment company 9317 Civil action . Fair Housing Act . . Administrative enforcement 6988.08, 6988.11 . . Interference, coercion, or intimidation 6988.16 . Securities Exchange Act of 1934 . . Statute of limitations 9258.15 Civil judgment . Definition 3206 Civil liability . Depository institutions . . Delayed availability of funds 7428.08 . Electronic fund transfers 6633, 7394 . Equal Credit Opportunity Act . . Creditor 6615 . Fair Credit Reporting Act . . Consumer report 6610.30, 7196.16, 7207 . Fair Debt Collection Practices Act . . Debt collector 6622, 6624.19 . Falsification of book, record, report, account, or statement . . Prospectus 8990 . . Registration statement 8987 . . Securities Exchange Act of 1934 9240.04 . FDIC Improvement Act of 1991 . . Truth in Savings Act 7484 . FRB's Regulation CC . . Funds availability 7418.13, 7418.76 . FRB's Regulation Z . . Exemptions 6588 . . State exemptions 6669 . Securities Exchange Act of 1934 . . Insider 9246.01 . Truth in Lending Act 6976 . . Assignment 6588.08 . . Creditor liabilities 6588.06 . . Error as defense 6588.07 . . Lessee 6592.01 . . Violation 6588 Civil money penalties . Accounting and disgorgement . . Investment Advisers Act of 1940 9371 . . Investment Company Act of 1940 9300.02 . . Securities Act of 1933 9255 . Acquisition of control 1130.02 . Adjudicatory proceedings . . Assessment 2159 . . Cease-and-desist order 2159 . . Change in Bank Control Act of 1978 2151 . . Collection 2160.03 . . Condition report 2159 . . Effective date 2160.03 . Administrative enforcement . . Prejudgment attachment 1144.01 . Bank Holding Company Act 6047, 6091 . . Judicial review 6048 . Cease-and-desist order . . Assessment 1143 . . Investment Advisers Act of 1940 9371 . . Securities Act of 1933 8993 . Change in Bank Control Act of 1978 1130.02, 2152 . . Violation 1130.02 . Civil Penalties . . Administrative subpoenas 8581 . . Attorney general to bring action 8581 . . Burden of proof 8581 . . Maximum amount of penalty 8581 . . Statute of limitations 8582 . . Violations to which penalty is applicable 8581 . Correspondent account 6063 . Examination . . Fees or charges 1174 . FDIC Statement of Policy 5201 . Foreign person . . Jurisdiction 8302 . Informants . . Rewards 1411 . International Banking Act . . Violation 8799 . Monetary instruments transactions 8399 . . Delegated authority 8400 . Money laundering . . Records and reports on monetary instruments transactions 1305 . . Unlawful practices 8301 . Savings associations 8735 . . Affiliates 8725 . Securities and Exchange Commission . . Collection 9249 . . Insider transactions 9252.01 . . Violation 9255 . Tying arrangements 6063 . Willful violation . . Bank Holding Company Act 9254 . . Investment Advisers Act of 1940 9254, 9300.01, 9370 . . Investment Company Act of 1940 9254, 9300.01 . . Municipal Securities Rulemaking Board 9254 . . Registered investment company 9300.01 . . Securities Act of 1933 9300.01 . . Securities Exchange Act of 1934 9300.01 Civil remedies . Fair Housing Act . . Enforcement 9665 . Privacy Act of 1974 . . Individual 8034 . Program Fraud Civil Remedies Act . . Administrative procedure 2166.20 . . Assessment 2166.22, 2166.34 Civil Rights Act of 1968 SEE ALSO Fair Housing Act . Act 6987 . Administration 6988.05 . Enforcement 6988.07 . Incentives for self-testing and self-correction . Penalties 6988.19 Civil rights/compliance reviewing office . Definition 9715 Claim agent . Appointment 1171 Claims . Definition 2166.20, 2262.06-D . FDIC receiver or conservator . . Appeal 1190 . . Default 1188.19 . . Depositor preference 1188.12, 4825 . . Disallowance 1188.08 . . D'Oench doctrine 5427 . . Filing requirement 1207, 4358 . . Jurisdiction of court 1188.20 . . Payment 1188.19 . . Proof of claim 1188.15, 1207 . . Review 1188.10 . . Rule making 1188.08 . . Statute of limitations 1188.10, 1188.15 . Insured depository institutions . . Foreign deposits 1495 . Receivership and liquidation . . Employee wrongdoing 4580 . . Priorities 3084 Class action . Insurance coverage . . Passthrough accounts 4667 . Securities litigation 8994.02, 9258, 9258.16 . . Safe harbor 8994.06, 9258.06 Class of voting shares . Definition 6087 Class or series . Definition 9203 Classified information . Definition 6609 Clayton Act 15 USC 12-27 SEE Antitrust laws Clean-up and call . Definition 2262.23, 6120.45 Clear and conspicuous . Definition 2390 Clearing agency SEE ALSO Registered clearing agency . Adjudicatory proceedings . . Municipal securities dealer 2160.03 . Administrative proceedings . . Review 2166.19 . Definition 9177 . FDIC . . Appropriate Federal banking agency 9240.01 . Insurance coverage . . Margin account 4200 . . United States security 4200 . Registration . . Qualification 9239 Clearing agency rules . Definition 9178 Clearing balance . Definition 7586.06 Clearing organization . Definition 1188.14-G, 8550.24 . Payments system . . FDIC Improvement Act of 1991 8550.24 . . Netting 8550.27 Clearinghouses SEE ALSO Automated clearinghouse OR Check clearinghouse association . Affordable housing program . . FDIC 1476, 1477, 1483 . Definition 1486 Close of business . Definition 9385 Close-of-business account ballance . Definition 3088.01 Closed banks SEE Closed insured banks Closed-end company . Definition 9298 . Investment Company Act of 1940 . . Business development company 9344, 9351 . Registered company . . Capital structure 9314 . . Securities 9320 Closed end credit SEE ALSO Credit other than open end . Definition 6643, 6875 . Disclosure requirements 2737, 6661, 6934 . . Contents 6663, 6945 . . Contract reference 6665, 6955 . . Insurance 6955 . . Multiple consumers or creditors 6943 . . Required deposit 6665, 6955 . . Subsequent occurrence 6943 . . Time requirements 6943 . Form H--1 Credit sale model form (FRB) 6678.14, 6982.07 . Form H--2 Loan model form (FRB) 6678.15, 6982.07 . Form H--3 Amount financed itemization model form (FRB) 6678.16, 6982.07 . Form H--5 Demand feature model clauses (FRB) 6678.18, 6982.08 . Form H--6 Assumption policy model clause (FRB) 6678.18, 6982.08 . Form H--7 Required deposit model clause (FRB) 6678.18, 6982.08 . Form H--8 Rescission model form (general) (FRB) 6678.19, 6982.08 . Form H--9 Rescission model form (refinancing with original creditor) (FRB) 6678.19 . Form H-10 Credit sale sample (FRB) 6678.21, 6982.08 . Form H-11 Installment loan sample (FRB) 6678.22, 6982.08 . Form H-12 Refinancing sample (FRB) 6678.23, 6983 . Form H-13 Mortgage with demand feature sample (FRB) 6678.24, 6983 . Form H-14 Variable rate mortgage sample (FRB) 6678.25, 6983 . Form H-15 Graduated payment mortgage sample (FRB) 6678.27, 6983 . Form H-16 Mortgage sample (FRB) 6678.27 . Form HRSA-500-1 9-82--student loan (HUD) 6984 . Form HRSA-500-2 9-82--student loan (HUD) 6984 . Form HRSA-502-1 9-82--student loan (HUD) 6984 . Form HRSA-502-2 9-82--student loan (HUD) 6984 . FRB's Regulation Z . . Forms and instructions 6678.12, 6982.07 . . Oral disclosure requirements 6668 . Home mortgage . . Form H--4A variable rate model clauses (FRB) 6678.16, 6982.07 . . Form H--4B variable rate model clauses (FRB) 6678.16, 6982.08 . . Form H--4C variable rate model clauses (FRB) 6678.16, 6982.08 . . Form H--4D variable rate model clauses (FRB) 6678.18, 6982.08 . Loans secured by principal dwelling 6670.01 . . Prohibitions 6670.02 Closed-end lease . Definition 6685, 6720 Closed insured banks SEE ALSO Bank failure . Automated teller machines . . Debit 4296 . . Electronic fund transfers 4296 . . Final payment 4296 . Bridge banks 1188.26, 1189 . . Depository institution holding company 1188.25, 1188.27 . . Financial assistance 1188.25 . . Powers 1188.24 . . Termination of operation 1188.26, 1189 . Checks . . Final payment 4280 . . Payments and collections 4317, 4324 . . Uncollected checks 4280, 4701 . Correspondent banks . . Payments and collections 4317, 4324 . FDIC receiver or conservator . . Assets purchased by FDIC 1222.01 . . Bridge banks 1188.22 . . Deposits 4358 . . Financial assistance 1188.25 . . New banks 1188.20 . . Powers 1188.24 . . Swap transactions 4391 . . Termination of operation 1188.26, 1189 . FRB's Regulation CC . . Check collection 7418.22-A, 7418.104 . Insurance coverage . . Checks 4200 . . Final payment 4280 . . Payments and collections 4317, 4324 . . Uncollected checks 4280 . Internal Revenue Service . . Tax levy 4418 . New banks . . Powers 1188.20 . Payment of insured deposit . . Time requirements 4380 . Recordkeeping requirement . . Burden of proof 4382 . Unposted credits or debits 4311 Closed insured depository institutions SEE ALSO Bank failure OR Closed insured banks . American depository receipts 4858 . Bridge banks . . Collateral 4423 . . Security interest 4423 . FDIC Improvement Act of 1991 . . Employee health insurance 8550.31 . FDIC receiver or conservator . . Agent appointed by FDIC 1207 . . Appointment . . Claimant recognition 1207 . . Collateral 4423 . . Directors and officers liability 1188.20 . . Filing of claim 1207 . . Minority organization 1224 . . New banks 1207 . . Offsets 1207, 4527 . . Payment of insured deposit 1207 . . Payment of transferred deposit 1207 . . Proof of claim 1188.13 . . Security interest 4423, 4836 . . Self-appointment 1188.05 . . Subrogation of FDIC 1188.18-A . . Surety bond 1207 . . Unposted credits or debits 4914 . Payments system . . Netting 8550.26 . Reserve ratios . . Distribution 1130.04 . . Offsets 1130.04 . Savings associations . . Resolution 8550.26 Closed meeting . Sunshine Act . . Certification 2229, 2231, 8042 . . Minutes 2231 Closed to public observation SEE Closed meeting Closing . Definition 6994 Closing costs SEE Settlement costs CMSA . Definition 2786.01 Co-transfer agent . Definition 9438.02-A COD transaction . Definition 7658 Code of ethics . Bank Bribery Amendments Act of 1986 . . Insured state nonmember banks 5289 Coercion SEE Interference, coercion, or intimidation Coins . Criminal laws and procedures . . Loans or extensions of credit 8285 . Records and reports on monetary instruments transactions 8383, 8403, 8496 . . Exemptions 8384 Collateral SEE ALSO Loans secured by . . . OR Security interest . Appraisals . . Real estate-related financial transactions 4502 . Closed insured depository institutions . . Bridge banks 4423 . . FDIC receiver or conservator 4423, 4425 . . RTC receiver or conservator 4425 . . Security interest 4537, 4726 . Maximum loan value . . FRB's Regulation U 7766 . Risk-based capital . . Bank holding company 6120.02-B-3 . Trust account 4532 . Transactions with affiliates . . Capital notes 4206 . . FRB member banks 7512.09, 7789 . . Loans or extensions of credit 4608 . . Subordinated notes and debentures 4608 Collateral attacks . Proceedings . . Interlocutory appeals 2134 Collateral requirements . Employee stock ownership plan . . Insured banks 4449 . Loans or extensions of credit . . Lending limit 4364 Collateralized letters of credit . FDIC receiver or conservator . . FDIC Statement of Policy 5411 Collateralized put option . FDIC Statement of Policy . . FDIC receiver or conservator 5335 Collect . Definition 2390 Collecting a debt SEE ALSO Debt collection . Definition 7412 Collecting bank . Definition 7418 Collection SEE ALSO Check collection OR Payments and collections . Definition 6592.06 Collection agency . FRB's Regulation Y . . Nonbanking activities closely related to banking 6110.03 Collection of information . Definition 8050 Collection test . FRB's Regulation CC . . Check collection 7418.14, 7418.77 Collective investment fund . Definition 2756 . Trust funds . . Investment services 4138 College tuition plan SEE Student loan Colleges and universities . Insurance coverage . . Public unit account 4334 Commencement . Definition 9413 Comment or protest . Acquisition of control . . Appropriate federal banking agency 1129 . Delegated authority . . Federal Reserve banks 6192 . Proposed rules . . Federal Register 8054 Comments . Definition 2044 Commercial lending company . Definition 7628.05, 7787, 8785 Commercial use . Definition 8590.14 Commercial use request . Definition 2169, 8590.71 Commission SEE ALSO Discount, allowance, commission, or special terms . Definition 6624.05, 8246, 8516.08-B, 8516.08-E, 8673.12, 9285, 9364 Commission merchant . Definition 8670 Commission sharing . Discount brokerage service . . Insured nonmember banks 4132, 4135, 4136 . . Nondiscretionary accounts 4135, 4136 Commitment fees . International loan . . Accounting 7631 Commitments . Definition 6120.13 Committee on Banking Regulations and Supervisory Practices of the Group of Ten Countries and Switzerland . International Lending Supervision Act of 1983 . . FDIC 8806 Commodity . Definition 8486.01, 8516.08-E Commodity contract . Definition 1188.14-C Commodity derivative contract . Definition 2262.23, 6120.45 Commodity swap transactions SEE Swap transactions Common carrier . Definition 8483 Common name or logo . Branch establishment, operation, or relocation . . Different name 4975, 4984.38 . FDIC . . Advertising 4623 . Insured nonmember banks . . Affiliates 4260 Common ownership or common corporate control . Definition 2409 Common period . Definition 6678.39 Common stock SEE Capital stock Common stockholders' equity . Definition 2242 Common use areas . Definition Commonly controlled correspondent . Definition 7586.31 Commonly controlled depository institutions SEE ALSO Bank holding company . Adjudicatory proceedings . . Assessment 2166.06 . Chain banks 4611 . Definition . Liabilities . . Cross-guaranties 5327 . . Exemptions . . FDIC Statement of Policy 5327 . . Limited partnerships . . Subordination of FDIC . Rules of practice and procedure 2166.06 . Waiver application 2068.15 Communication . Definition 6617, 6624.05 Community . Definition 2663, 2865, 7498 Community convenience and needs . Applications for insurance 1093, 1105 . . Deposit insurance 5356 . Bank holding company 6095 . CRA 6988.25 . . CRA rating 6988.27 . . Disclosure of information 6988.27 . Merger transactions 1258 Community credit needs . Interstate banking . . Branch establishment, operation, or relocation 3236 Community development . Bank holding company . . Investment in community welfare project . Definition 2786.01 . FRB's Regulation Y . . Nonbanking activities closely related to banking 6110.08 . Permissible investments 4905 Community development bank . Definition . FDIC Improvement Act of 1991 . . Bank Enterprise Act of 1991 8550.08-C Community Development Banking and Financial Institutions Act of 1994 . Act 8871 Community development financial institution . Definition 8872 Community development financial institution fund . Administration 8884 . Advisory board 8874 . Application procedure 8876 . . Community partnership 8877 . . Selection criteria 8878 . Appropriations 8889, 8890.10 . Audit 8888 . Enforcement 8889 . Establishment 8873 . Forms of assistance 8879 . . Liquidity 8883 . Insured depository institutions . . Assessment credits 8884 . . Examination 8886, 8888 . Investments 8883 . Liabilities 8875, 8884 . Lifeline accounts 8885 . Native American 8881, 8888 . Recordkeeping requirement 8885 . Reports and reporting requirements 8888 . Small business capital enhancement program 8890, 8890.02 . . Default 8890.06 . . Insured depository institutions 8890.04 . . Loans or extensions of credit 8890.05 . . Participation agreements 8890.04, 8890.07 . . Premium charges 8890.05, 8890.08 . . Reimbursement 8890.09 . . Reports and reporting requirements 8890.08 . . Reserves 8890.05, 8890.07 . . State participation 8890.03 . . Terminology 8890.01 . Studies 8888 . Training program 8881 . . Contractors 8882 . . Fees or charges 8882 Community development loans . Definition 2786.01 Community development organization . Definition . FDIC Improvement Act of 1991 . . Bank Enterprise Act of 1991 Community development service . Definition 2786.01 Community Enterprise Assessment Credit Board . Assessment rates 1116 . . Bank Enterprise Act of 1991 8550.08 Community partner . Definition 8872 Community partnership . Definition 8872 Community property funds . Insurance coverage . . Single ownership account 2356 Community Reinvestment Act of 1977 SEE CRA Company . Definition 1072, 1432, 2262.23, 2390, 2409, 2608, 2735, 3118, 3124.06, 3124.11, 3128, 3206, 5415, 6022, 6061, 6064, 6085, 6120.45, 7512.06-A, 7512.08, 7628.22, 7642, 7651, 7785, 8726, 8785, 9176.04, 9238.01, 9285, 9364 . FRB's Regulation O . . Interpretations 7656.08 Company covered in 1970 . Definition 6022 Compelling need . Definition 8028 Compensating balances . Correspondent account . . Violation 4042 Compensation SEE ALSO Employee compensation OR Gift or compensation OR Liquidation fees, expenses, and compensation OR Worker's compensation . Comparability in compensation schedules . . Commodity Futures trading commission 8590.01 . Corporate debt collection 2238.06 . . Hearing 2238.08 . . Salary offset 2238.06 . Definition 1432, 3167 . Federal Trade Commission . . Rule making 8569 . Insurance coverage . . Custodial account 4984.62 . Office of Thrift Supervision, Director . . Federal savings associations 8697 . Safe and sound banking practices . . Limitations 1456 . . Standards 1455, 3167 . Undercapitalized insured depository institution 1437 Competition SEE ALSO Unfair method of competition . Branch or agency of a foreign bank 7513 . Edge Corporation 8786 Competitive Equality Banking Act of 1987 . Act 7421 . Comptroller of the Currency . . Enforcement agency for federal agencies of foreign banks 7428.07 . . Enforcement agency for federal branches 7428.07 . . Enforcement agency for national banks 7428.07 . FDIC . . Enforcement agency for insured nonmember banks 7428.07 . . Enforcement agency for insured state branches of foreign banks 7428.07 . FRB . . Enforcement agency for branches of foreign banks 7428.07 . . Enforcement agency for Edge corporations 7428.07 . . Enforcement agency for state member banks 7428.07 . Nonbank banks . . Congressional intent . . Cross marketing . . Limitations Competitive factor report . Delegated authority . . Federal Reserve banks 6194 . . FRB Secretary 6183 . FDIC Statement of Policy . . Federal Financial Institutions Examination Council . Merger transactions 1258 Competitive factors . Bank holding company . . Acquisition of control 6030 Complainant . Definition 6988, 9654, 9792 Complaints SEE ALSO Consumer complaint procedure . Definition 2166.21, 7409, 9792 . Federal Trade Commission . . Unfair method of competition 8551 . . Unfair or deceptive acts or practices 8551 Completed application . Definition 7301 Completed application for credit . Definition 7210, 9535 Completion of the transaction . Definition 2756 Complex 1-to-4 family residential property appraisal . Definition 2239, 6110.20 Composite analysis . Definition 7008 Composite CAMELS rating . FDIC Statement of Policy . . Uniform financial institutions rating system 5079 Compromise . Definition 2238.02 Comptroller . Definition 7628.05, 8785 Comptroller general audit and access to records . Audit of agencies or other persons performing functions under banking laws 8590.01 . Audit of persons providing certain goods or services 8590.02 . Provisions applicable to audits under this section 8590.02 Comptroller of the Currency SEE ALSO Lending limits of the Comptroller of the Currency . Bank holding company . . Application 6028 . Depository Institution Management Interlocks Act . . Rules and regulations 8595 . Enforcement agency for district banks . . Federal Trade Commission Act 8569 . . Financial recordkeeping and reporting of currency and foreign transactions 8026 . . Securities Exchange Act of 1934 9178 . Enforcement agency for federal agencies of foreign banks 8786 . . Competitive Equality Banking Act of 1987 7428.07 . . Consumer Credit Protection Act 6571 . . Electronic Fund Transfer Act 6635 . . Equal Credit Opportunity Act 6613 . . Fair Debt Collection Practices Act 6623 . . Home Mortgage Disclosure Act of 1975 7306 . Enforcement agency for federal branches 8786 . . Competitive Equality Banking Act of 1987 7428.07 . . Consumer Credit Protection Act 6571 . . Electronic Fund Transfer Act 6635 . . Equal Credit Opportunity Act 6613 . . Fair Debt Collection Practices Act 6623 . . Home Mortgage Disclosure Act of 1975 7306 . Enforcement agency for national banks . . Competitive Equality Banking Act of 1987 7428.07 . . Consumer Credit Protection Act 6571 . . Depository Institution Management Interlocks Act 8595 . . Electronic Fund Transfer Act 6635 . . Equal Credit Opportunity Act 6613 . . Expedited Funds Availability Act 7428.07 . . Fair Debt Collection Practices Act 6623 . . Federal Trade Commission Act 8569 . . Financial recordkeeping and reporting of currency and foreign transactions 8510 . . FRB's Regulation B 7225 . . FRB's Regulation CC 7418.02 . . FRB's Regulation E 7381 . . Home Mortgage Disclosure Act of 1975 7306 . . Securities Exchange Act of 1934 9178 . . Truth in Lending Act 6571 . FDIC Board of Directors 1061 . . Acting Comptroller of the Currency 1061 . Federal agency . . Banking factors 8787 . . Revocation of authority to operate 8788 . Federal branches . . Banking factors 8787 . . Revocation of authority to operate 8788 . Federal Trade Commission Act . . Annual report to Congress 8569 . . Consumer affairs division 8568 . Lending limits of the Comptroller of the Currency 9385 . Merger transactions . . District banks 1258 . . National banks 1258 Computation of rates SEE ALSO Calculations . Annual percentage rate . . FRB's Regulation Z 6678.29 . . Open end credit 6675 . FRB's Regulation D . . Reserve requirements 7584 . Interest or discount on loans . . FRB's Regulation O 4108 . . Shareholders 4108 . Reverse mortgage 6678.39, 6985 . . Rate tables or charts 6678.45, 6985 Computer Matching and Privacy Act of 1988 SEE Matching program Computer services SEE Data processing Concealment of assets . Criminal laws and procedures . . Receivership and liquidation 8296 Conciliation . Definition 6988, 9654 . Fair Housing . . Administrative enforcement 6988.06, 6988.07, 9662 Conciliation agreement . Definition 6988, 9654.01 Condition report . Adjudicatory proceedings . . Civil money penalties 2159 . Assessment . . Deposit liabilities 1111 . . Traveler's checks 4791 . Assessment rates 1113 . Capital adequacy 4446 . Foreign banks and banking 1111 . Insured depository institutions 1111 . . Highly leveraged transactions 1113 . . Lifeline accounts 1113 . . Penalties 1111 . Regulatory improvement . . Riegle Community Development and Regulatory Improvement Act of 1994 8890.12 . Savings associations . . Office of Thrift Supervision, Director 8720 Conditions endangering safety or soundness . Administrative enforcement . . Disclosure 1149 . Interlocking relationship . . Management official 4096, 4125, 4150 . . Relevant metropolitan statistical area 4125 Condominium association . Insurance coverage . . Custodial account 4595 Conducts . Definition 8302 Conduit deposits . Definition 2296.03 Confession of judgment . Consumer credit contract . . Unfair or deceptive acts or practices 7411, 7412.08 Confidentiality of record . Appropriate federal banking agency . . Registered broker or dealer 9236 . . Registered government securities broker or dealer 9228.09 . . Registered municipal securities dealer 9236 . FDI Act, section 10(c) . . Investigation 2164 . Financial record . . Financial institutions 7092 . . Government authority 7092 . Freedom of Information Act . . Informants 8028 . . Investigation 8027 . . Law enforcement inquiry 8027 . Information availability and management . . Criminal laws and procedures 8299 . . Securities and Exchange Commission 9258.11 Conflict of interest . Adjudicatory proceedings 2130 . . FDIC receiver or conservator 1209 . Contractors 3195 . . Suspension or exclusion 3205 . Definition 3206, 5415 . FDIC Statement of Policy . . Lessor integrity 5415 Consolidated . Definition 8785 Consolidated system . Definition 9404 Consolidation SEE ALSO Merger transactions . Adjudicatory proceedings . . Administrative law judge 2136 . Insured depository institutions . . Insured status continuation 1087 . Savings associations 8740.06 Construction loans . Appraisals . . Exemptions 4707 . Definition 3183 . Loan-to-value ratio . . Standards 4789 . Multiple advances . . Annual percentage rate 6672, 6982.03 . . Disclosure requirements 6672, 6982.03 Consumer . Definition 2391, 2735, 6566, 6602, 6644, 6875, 6883, 7162, 7181, 7362, 7411, 7412.04, 7418, 7430, 7460, 8673.23, 8776, 9385 Consumer account . Definition 7416, 7418.43, 7424 Consumer affairs division . Federal Trade Commission Act 8568 Consumer asset account . Definition 7389 Consumer Checking Account Equity Act of 1980 . Act 8537 . Depository Institutions Deregulation and Monetary Control Act of 1980 8537 Consumer Complaint and Inquiry Records . FDIC . . System of records 2210 Consumer complaint procedure . Depository institutions . . Insurance activities 1529 . FRB's Regulation AA . . Referral to other agencies 7410 . . Response to complaints 7410 . . Unfair or deceptive acts or practices 7409 Consumer complaints . Definition 7409 Consumer credit . Classification . . FDIC Statement of Policy . Definition 6617, 6644, 6875, 6883, 7210, 9213 . FRB's Regulation Z . . Foreign activities 6872.01 . Prepayment . . Rule of 78's 8775 . Riegle Community Development and Regulatory Improvement Act of 1994 . . Study 8890.16 . Truth in Lending Act . . Effect on governmental agencies 6575 Consumer credit contract . Definition 7163 . Interest rates limitation and regulation . . Disclosure requirements 6670 . Unfair or deceptive acts or practices 7411 . . Confession of judgment 7411, 7412.08 . . FRB's Regulation AA 7411 . . Garnishment 7411, 7412.09 . . Security interest in household goods 7412, 7412.09 . . Waiver of exemption 7411, 7412.08 Consumer credit practices SEE ALSO FRB's Regulation B . Credit information . . Consumer reporting agency 7220 . . Disclosure of information 7220, 7254 . . Equal Credit Opportunity Act 4828 . Crediting of payment 6652.08, 6913 . Delegated authority . . FRB Division of Consumer and Community Affairs Director 6190.01 . Discriminatory practices 2736, 7209, 7213, 7215, 7245 . . Enforcement agency 4214 . . Exceptions 7212, 7215 . . Self-testing 6614, 7222, 7224, 7256, 7257 . Exceptions . . Age 7215, 7248 . . Childbearing or childrearing 7214 . . Government credit 7213 . . Home purchase loan 7255 . . Immigration status 7214, 7216, 7250 . . Incidental credit 7213 . . Marital status 7214, 7251 . . Monitoring 7222, 7256 . . Public utilities credit 7212 . . Records maintenance and retention 7221 . . Securities credit 7212 . . Source of income 7214, 7215, 7246 . . Special purpose credit 7214 . . Spousal information 7214, 7220 . . State property laws 7216 . . Unsecured credit . Forms and instructions 7218, 7235, 7262 . . Form for credit application, closed end, secured transaction (FRB) 7227 . . Form for credit application, closed end, unsecured or secured transaction (FRB) 7229 . . Form for credit application, community property (FRB) 7231 . . Form for credit application, open end, unsecured transaction (FRB) 7225 . . Form for residential loan application, residential real estate mortgage loan (FRB) 7233 . . FRB Form C-1--Notice of action taken and statement of reasons - Statement of credit denial, termination, or change 7236 . . FRB Form C-2--Notice of action taken and statement of reasons . . FRB Form C-3--Notice of action taken and statement of reasons (credit scoring) 7237 . . FRB Form C-4--Notice of action taken, statement of reasons and counteroffer 7238 . . FRB Form C-5--Disclosure of right to request specific reasons for credit denial 7239 . . FRB Form C-6--Notice of incomplete application and request for additional information 7240 . FRB's Regulation AA . . Unfair or deceptive acts or practices 7409 . FRB's Regulation B 7209 . . Administrative enforcement 7223, 7255 . . Effect on state laws 7220, 7255 . . Enforcement agency 7223 . . Loan ceilings 7220 . Loan and credit applications 7213, 7215, 7216, 7245 . . Advertising 7213 . . Appraisal reports 7215 . . Cosigner 7217 . . Credit history 7216 . . Credit information 7213 . . Credit life, accident, or health insurance 7217 . . Discouraging applications 7213, 7245 . . Evaluation 7215 . . Name designation 7216 . . Telephone listing 7216 . . Withdrawn application 7219 . . Written application 7214, 7247 . Notification of action . . Adverse action 7218, 7235 . . Business credit 7218 . . Counteroffers 7218 . . Disclosure requirements 7218, 7219, 7253 . . Equal Credit Opportunity Act 7218, 7253 . . Incomplete application 7218 . . Multiple applicants 7218, 7253 . . Multiple creditors 7219 . . Statement of specific reasons 7218, 7219, 7253 . Records maintenance and retention 7221, 7254 . . Business credit 7222 Consumer Credit Protection Act . Act 6565 . Comptroller of the Currency . . Enforcement agency for agencies of foreign banks 6571 . . Enforcement agency for federal branches 6571 . . Enforcement agency for national banks 6571 . Coporate and technological circumvention prohibited 6610.48 . Discriminatory practices . . Self-testing 6614 . Disclosures to FBI for counterintelligence purposes 6610.44 . Disclosures to governmental agencies for counterterrorism purposes 6610.46 . Disposal of records 6610.48 . Effect on state laws 6614.01 . Electronic Fund Transfer Act 6625 . Exception for certain bad check enforcement programs operated by private entities 6624.01 . Extortionate credit transactions 6592.04 . Fair Credit Billing Act 6588.16 . Fair Credit Reporting Act 6601 . Fair Debt Collection Practices Act 6616, 6624.05 . FDIC . . Enforcement agency for insured nonmember banks 6571 . . Enforcement agency for insured state branches of foreign banks 6571 . FRB . . Enforcement agency for branches of foreign banks 6571 . . Enforcement agency for Edge corporations 6571 . . Enforcement agency for state member banks 6571 . Garnishment restriction 6594 . Injunctive relief 7104.01 . National Commission on Consumer Finance 6597 . Truth in Lending Act 6565 Consumer credit reporting SEE Consumer report OR Fair Credit Reporting Act Consumer information . Definition 3170 Consumer leases . Advertising 6592.02 . . Radio 6592.02 . Definition 6592, 6686 . FRB's Regulation M 6685 . . Advertising 6691, 6732 . . Disclosure requirements 6686, 6687, 6722 . . Forms and instructions 6693, 6734 . . Records maintenance and retention 6692, 6734 . . Relationship to state law 6692.01, 6734 . . Renegotiation or extension 6690, 6730 . Termination . . Liabilities 6592.01 . Truth in Lending Act . . Disclosure requirements 6592.01 . . Model disclosure forms 6592.04 . . State laws 6592.03 Consumer liabilities . Unauthorized electronic fund transfers 7364.01, 7394 . . Accepted card or other means of access 6631 . . Burden of proof 6631 . . Electronic Fund Transfer Act 6630 Consumer loans . Definition 2786.01 Consumer notice . FRB's Regulation E . . Error resolution 7366 . . Interpretations 7395, 7399 . . Model disclosure clauses 7376, 7408.03 Consumer paper . Definition 9386 Consumer report . Credit card . . Rights and liabilities of cardholder 6653 . Definition 3170, 6602, 7181 . Fair Credit Billing Act . . Rules and regulations 6590 . Fair Credit Reporting Act . . Accuracy 6610.19, 7196.04, 7196.10 . . Civil liability 6610.30, 7196.16, 7207 . . Compliance 6610.10, 7196.03 . . Disclosure requirements 6607, 6610.03, 6610.03, 6610.12, 6610.18, 7196.09 . . Disclosure to governmental agencies 6610.11, 7196.06 . . Disposal 6610.47 . . Disputes 6610.19 . . Employment purposes 6607, 7183, 7188, 7196.13, 7205 . . Enforcement 6610.31 . . Exclusions 6610.03, 7184 . . FDIC Statement of Policy 5337 . . Fees or charges 6610.23, 7196.12 . . Financial institutions as consumer reporting agencies 7200 . . Financial institutions as users of consumer reports 7198 . . Fraud alerts 6610.05 . . Identity theft 6610.05 . . Information obtained under false pretenses 6610.31, 7196.17, 7207 . . Interpretations 7181 . . Jurisdiction of court 6610.31, 7196.16 . . Limitation of action 7196.16, 7207 . . Noncompliance 7196.16, 7206 . . Obsolete information 7195 . . Penalties 7206 . . Permissible purposes 6607, 7188 . . Prescreening 7191 . . Public record information 6610.25, 7182, 7196.13 . . Unauthorized disclosure 6610.31, 7196.17, 7207 . . User requirements 6610.26, 7196.14, 7207 . Investigative consumer report . . Disclosure requirements 6610.10, 6610.44 . . Restrictions 6610.26 . National security investigation 6609 . Open end credit . . Billing errors 6655, 6922 Consumer reporting agency . Consumer credit practices . . Credit information 7220 . Definition 2391, 6602, 7186 . Disclosure to FBI 6610.44 . Fair Credit Reporting Act . . Disputed file 7196.10, 7203 . . Financial institutions as reporting agencies 7200 . . Interpretations 7181, 7186 . Investigative consumer report . . Disclosure requirements 6610.43 . Medical information 6610.01 Consumer reporting agency that compiles and maintains files on consumers on a nationwide basis . Definition 6604 Consumer rights . Electronic fund transfers . . Errors 4856 . Insurance activities 2735, 2738, 2739 . Right of rescission . . FRB's Regulation Z 6659, 6960 . . Open end credit 6658, 6926.01 Consummation . Definition 6644, 6875, 6883 Contiguous cities, towns, or villages . Definition 2865 Contingent interest . Insurance coverage . . Revocable trust account 4461 Contract SEE ALSO Bank investment contracts OR Consumer credit contract OR Financial contracts OR Futures, forward, and standby contracts OR Qualified financial contracts . Affiliates . . Covered transaction 4296.02 . Definition 3206, 7162 . FDI Act, section 19 . . Permissible activities 4639 . FDIC . . Powers 1155 . FDIC receiver or conservator 1188.13 . Housing assistance programs . . Federally-related mortgage loans 9706 . Insurance coverage . . Pension plan 4211 . Insured depository institutions 1371 . . Limitations 1371 . Investment Advisers Act of 1940 9374.01 . . Validity 9380 . Minority and women outreach program . . FDIC 3089 . Registered investment company . . Investment adviser 9307 . . Underwriter 9307 . Time deposits . . Terms, conditions or requirements 4292 Contract of sale . Definition 8486.01, 8516.08-E Contract which does not cut off consumers' claims and defenses . Definition 7163 Contractors SEE ALSO Government contractor . Conflict of interest 3195 . Definition 3206 . FDI Act, section 19 4512.01, 4639 . . Fingerprinting 4512.01 . FDIC receiver or conservator . . Disapproval 1209 . Suspension or exclusion 1209, 3205 . . Causes 3208, 3209 . . Corporation ethics committee 3207 . . Ethics Counselor 3207, 3212, 3214 . . Exceptions 3213 . . Procedures 3210 Contractual branch . Affiliates . . Branch establishment, operation, or relocation 4371, 4545, 4793 . . Interstate banking 4944 . Definition 7418, 7418.49 Contractual commitment to advance funds . Definition 9386 Contractually liable . Definition 7210 Contribution or expenditure . Definition 8531 Control SEE ALSO Acquisition of control OR Commonly controlled depository institutions . Bank holding company . . Presumption of control 6021, 6022 . . Proceedings 6110.09 . . Rebuttable presumption of control 6110.09, 6110.11 . Definition 1072, 1129, 2061, 2242, 2262.23, 2391, 2608, 2611, 2735, 2844.03, 2846, 3118, 3124.06, 3124.11, 3128, 3206, 6021, 6085, 6120.45, 7512.06-A, 7517, 7628.05, 7785, 8516.12, 8727, 8785, 9238.01, 9285, 9364, 9386 . Loans or extensions of credit to affiliates . . Violation 4413 . Public unit account . . Custodial holdings 4171, 4174, 4175, 4179, 4182 Control book . Definition 9438.02 Control of a company or bank . Definition 6064, 7642, 7651 Control over another company . Definition 7512.08 Controlled access . Definition 9440.04 Controlled early amortization provision . Definition 2262.23, 6120.45 Controlled entity . Definition 2650 Controlled substance . Definition Controlling interest . Definition 7517 . Edge Corporation . . Capital stock 7517 Controlling person . Definition 2242 Controlling shareholder . Definition 6086 . Profit sharing plan . . Transactions with affiliates 4789 Convenience and needs SEE Community convenience and needs Conversion date . Definition 7009 Conversion transactions SEE ALSO Credit conversion factors OR Debt for equity conversion OR Merger transactions . Application 2068.02 . Assessment . . Oakar bank 4452 . Bank Insurance Fund (BIF) 4418 . . Application 2068.15 . Bank Insurance Fund (BIF) reserve ratio . . Audited financial statements . Banking factors 1263 . Consent of FDIC . . Capital adequacy 4755 . De novo savings associations . . Insurance coverage 4434 . Definition 1095 . Delegated authority . . Federal Reserve banks 6194 . . FRB Secretary 6183 . Eligibility . . Insured federal savings banks 4207 . Entrance or exit fees . . Bank Insurance Fund (BIF) 1096, 4484 . . Calculations . . FDIC Improvement Act of 1991 4619 . . Oakar bank 4540 . . Savings Association Insurance Fund (SAIF) 4484 . FDIC . . Deposit insurance 4269 . Federal Home Loan Bank Board . . Deposit insurance 4269 . Federal savings associations 8710 . . Mutual savings banks 8713 . . Savings associations 8708 . Federal savings banks . . State savings banks 8712 . Foreign banks and banking 7628.12 . Insurance coverage . . Certificate of deposit 4529 . . Insured status continuation 1087 . . Savings banks 4562 . Insurance fees . . Exceptions 1095, 4593 . . Insubstantial portion 1095, 4593 . Insured depository institutions . . Bank Insurance Fund (BIF) member . . Savings Association Insurance Fund (SAIF) member . Merger transactions . . Affiliates 4444 . . Savings Association Insurance Fund (SAIF) 4444 . . Savings associations 1095, 4477 . Moratorium 1095 . . Exceptions 1095 . . Newly insured thrifts . Mutual savings banks . . Conversion to stock form 2068.01, 2405 . . Insurance fund membership 4951 . National member banks . . Insured status continuation 4618 . Oakar bank 4692, 4724, 4953 . . Merger transactions 4538, 4901 . . Savings Association Insurance Fund (SAIF) 4586 . SAIF member state banks . . Capital adequacy 4755 . Savings Association Insurance Fund (SAIF) 4418 . . Equity investments 4565 . . Excess over federal savings associations 4565 . Savings Association Insurance Fund (SAIF) member . . De novo depository institution 4430 . . Newly organized depository institutions 4430 . Savings Association Insurance Fund (SAIF) reserve ratio . . Audited financial statements . Savings associations . . Federal savings associations 8708 . . Office of Thrift Supervision 4567 . . Regulatory authority 4742 . Special rules 1097 Convert its charter . Definition 3119, 3128 Convicted . Definition 9285, 9364 Convicted individual . Employment, insured depository institutions . . FDI Act, section 19 1291, 4426, 5155 . . Temporary employees 4740 . FDIC receiver or conservator . . Asset purchase prohibition 1189 Conviction . Definition 3206 Cooperative agreement . Definition 1177, 9754 Cooperative agreement officer . Definition 9754 Cooperative bank . Federally-related mortgage loans . . Identity of person 1327 . Savings associations 8736 Cooperatives . NOW Accounts . . Eligibility 4590 Copy of an original check . Definition 7418.01 Core capital . Definition 2244, 2257, 8720 Core capital elements . Definition 6113 Corporate credit unions . Definition 8251 . Securities Exchange Act of 1934 . . Exemptions 8251 Corporate debt collection SEE Debt collection Corporate debt securities . Transfer agent 4547 Corporate debt securities not of investment grade . Definition 1350, 3124.07 Corporate Recruitment Tracking Records . FDIC . . System of records 2220 Corporate reorganization . Definition 2058 Corporate seal . FDIC . . Powers 1155 Corporation . Definition 2166.21, 2188, 8673.12, 8695 Corporation account . Insurance coverage 2360 . . Merger transactions 4377 . . Multiple accounts 4187, 4927 . Interest on deposits . . Demand deposits 4631 . . Investment accounts 4631 Corporators . Financial institutions . . Management official 4028 Corrective action . Application procedure 1434, 2068.09 . . Capital distribution 1433, 2068.09 . Billing errors . . Error resolution 6655, 6922 . . Fair Credit Billing Act 6588.16 . Capital adequacy 1431, 2166.12-A, 2250 . . Administrative enforcement 2166.16 . . Administrative proceedings 2166.13 . . Bank holding company 1434, 2254 . . Capital restoration plan 1433, 1437, 2166.16, 2245, 2253 . . Directives 2166.12-A . . Notice 2166.12-A . . Reclassification 1437, 2166.13, 2252 . . Supervisory actions 1437, 2254 . Capital categories . . Disclosure of information 4711 . Cease-and-desist order . . Notice of charges and of hearing 1136 . Discriminatory practices . . Fair housing . FDIC Statement of Policy . . Equal Credit Opportunity Act 5221 . . Fair Housing Act 5221 . . Federal Financial Institutions Examination Council 5221 . FRB's Regulation O . . Insider indebtedness 4074, 4088, 4089 . Leverage capital . . Insured depository institutions 1432, 2245 . Notice of intention to remove or prohibit . . State supervisory authority 1145 . Removal or suspension of institution-affiliated party 1435, 1441, 2166.13 . Safe and sound banking practices . . Standards 1457 . Savings associations . . Exceptions 1442, 2255 Correspondent . Definition 7586.31 Correspondent account SEE ALSO Tying arrangements . Compensating balances . . Misapplication of funds 4042 . . Preferential loans 4042 . . Violation 4042 . Definition 7652, 8392, 8398, 8516.11, 8516.16, 8516.16-A, 8516.16-C, 8516.16-D . Extensions of credit . . Misapplication of funds 4021 . Insider transactions . Overdrafts . . Reports and reporting requirements 4037 . Tying arrangements 6061 Correspondent banks . Annual report . . Extensions of credit . . Mutual savings banks . Bank failure . . Cash letters 4585 . . Checks 4585 . . Federal funds transactions 4585 . . Overdrafts 4586 . Capital adequacy 7586.34 . . Calculations 7586.35 . . Foreign banks and banking 7586.34 . Closed insured banks . . Payments and collections 4317, 4324 . Credit exposure 7586.32 . . Calculations 7586.33 . . Limitations 7586.33 . . Standards 7586.32 . Definition 7652 . Extensions of credit . . Control of a company or bank 4046 . . Insider transactions 4021 . . Preferential loans 4034, 4046 . Foreign banks and banking . . Capital adequacy 7586.34 . . Credit exposure 7586.33 . Insider indebtedness . . Reports and reporting requirements 7651 . Insurance coverage . . Credit union 4227 . . Deposits 4225 Correspondent relationship . Definition 8516.11 Cosigner . Consumer credit practices . . Loan and credit applications 7216 . Definition 7411, 7412.05 . Unfair or deceptive acts or practices 7412 . . Disclosure requirements 7412, 7412.11 Council . Definition 8822.28 Council on Environmental Quality . National Environmental Policy Act of 1969 8811 Counterfeit SEE Forge or alter Counterfeit securities SEE Missing, lost, counterfeit, or stolen securities Courier services . Branch establishment, operation, or relocation 4984.20 . FRB's Regulation Y . . Nonbanking activities closely related to banking 6110.07 Court . Insurance coverage . . Custodial account 4492, 4606 Court costs . Sunshine Act 8043 Court injunctions . Bank Records and Foreign Transactions Act . . Compliance 8178 . Cease-and-desist order . . Jurisdiction of court 1142 . . Securities Act of 1933 8993 . Insolvent financial institutions . . Temporary cease-and-desist order 1136 . Monetary instruments transactions 8398 . Prosecution . . Securities Exchange Act of 1934 9250 Court jurisdiction SEE Jurisdiction of court Court of the United States . Definition 8310.02 Court order SEE ALSO Order . Insurance coverage . . Passthrough accounts 4573 . . Support payments 4573 Court proceedings SEE ALSO Legal proceedings OR Proceedings . Criminal laws and procedures 8311 . FDIC receiver or conservator . . Claims 1190 . Jurisdiction of court . . Federal Trade Commission Act 8552 . . Securities Act of 1933 8994.01 . . Tying arrangements 6064 . Sunshine Act . . Rules and regulations 8043 Court reviews SEE Judicial review Covered agency . Definition 1191, 3128 Covered agreement . CRA-related agreements 2835 . . Annual report 2842 . . Disclosure requirements 2841 . . Reports and reporting requirements 2842 . Definition 2835 Covered bond . Definition 5197 Covered bond obligation . Definition 5197 Covered bond obligee . Definition 5197 Covered class action . Definition 9258.17 Covered clearing obligation . Definition 8550.24 Covered company . Definition 1266 Covered contractual payment entitlement . Definition 8550.24 Covered contractual payment obligation . Definition 8550.25 Covered educational institution . Definition 6588.08-A Covered financial institution . Definition 6588.14, 8516.11, 8516.16, 8516.16-A, 8516.16-C, 8516.16-D Covered goods . Definition 8516.10 Covered institutions . Definitions 3088.02 Covered interstate branch . Definition 3235 Covered multifamily dwelling . Definition 6988.03 Covered option transaction . Definition 7658 Covered person . Definition 9258.06 Covered positions . Definition 2262.14, 6120.29 Covered product . Definition 8486.02 Covered security . Definition 9258.18 Covered transaction . Capital . . Loans or extensions of credit to affiliates 4539 . Capital notes . . Underwriter 4206 . Contract . . Affiliates 4296.02 . Definition 7512.08, 7512.12, 7785 . Employee stock ownership plan . . Affiliates 4544 . Loans or extensions of credit . . Calculations 4288 . . FRB's Regulation O 4442 . Transactions with affiliates . . Lease transactions 4937 . . Preferred shares 4415 CRA . Act 6988.25 . Annual report to Congress 6988.27 . Assessment area 2786.10 . . Military community 2786.10 . Bank examination 2786.14, 6988.27 . Branches . . Minorities and women 6988.29 . Community convenience and needs . . Evaluation 6988.28 . . Financial institutions 6988.25 . Disclosure of information 2786.13 . . Agreements with nongovernmental entities . . CRA Disclosure Statement 2786.12 . . Mortgage loan 2786.11, 2786.13 . . Small business or farm loans 2786.11 . Exceptions . Financial holding companies 6046.03 . Foreign banks and banking 8790 . . Small banks 4922 . Interstate banking 6030.02, 6988.28 . Interstate merger transactions 1515 . Notice 2787 . Performance tests and standards 2786.02 . . Investment test 2786.05 . . Lending test 2786.03 . . Limited purpose banks 2786.06, 2786.19 . . Service test 2786.05 . . Small banks 2786.07, 2786.20 . . Wholesale banks 2786.06, 2786.19 . Questions and answers 2788 . Ratings 2786.09, 2786.15 . . Effect on applications 2786.09 . Records maintenance and retention 2786.10 . Rules and regulations 1539, 2781 . . Review 8890.17 . Small banks . . Regulatory relief 6988.29 . Strategic plan 2786.07, 2786.20 . Sunshine requirements . . Agreements 1537 . Trust company 4583, 4885 CRA affiliate . Definition 2844.03 CRA communication . CRA-related agreements 2837 . Definition 2837 CRA protest . Definition 2045 CRA public file . Definition 2844.03 CRA-related agreements . Covered agreement 2841 . CRA communication 2837 . Disclosure requirements 2835 . Reports and reporting requirements 2842 . . Annual report 2842 Credit SEE ALSO Consumer credit OR Extensions of credit OR Loans or extensions of credit . Definition 2410, 6566, 6605, 6612, 6644, 6875, 6883, 7210, 7252, 7362, 9438.02 Credit balance . Definition 7658 . Foreign banks and banking . . Federal agency 8787 . FRB's Regulation Z 6958.13 . . Credit to consumer's account 6958.13 . . Refund 6958.13 . Open end credit . . Fair Credit Billing Act 6590.01 . . Refund 6652.08, 6914 Credit bureau . FRB's Regulation Y . . Nonbanking activities closely related to banking 6110.03 Credit card SEE ALSO Accepted card or other means of access OR Business credit card OR Charge card . Definition 6605, 6567, 6644, 6876, 7210, 8516.09 . Deposit broker . . Secured credit transactions 4844 . Disclosure requirements . . Annual percentage rate 6649, 6899 . . Application 6581, 6648.01 . . Effect on state laws 6574, 6669 . . Fees or charges 6585 . . Open end credit 6577, 6581 . . Renewal or substitution 6584, 6652.06, 6911, 6974 . Discount for cash . . Tie-in service 6654 . Effect on state laws 6574 . Fair Credit Billing Act . . Offsets 6590.02 . . Rights and liabilities of cardholder 6591 . . Surcharge 6590.02 . . Tie-in service 6590.02 . Foreign bank subsidiaries . . Bank holding companies 6041 . Fraud 6588.10-A . FRB's Regulation O . . Insider transactions 4156 . . Transactions with affiliates 4925 . FRB's Regulation Z . . Application 6649, 6898.01 . . Issuance 6652.08, 6915 . . Offsets 6653, 6918 . . Open end credit 6652.08, 6915 . . Renewal or substitution 6652.08, 6916 . . Rights and liabilities of cardholder 6652.08, 6653, 6916.01, 6916.02 . . Solicitation 6649 . Insurance . . Open end credit 6585 . . Renewal or substitution 6652.06 . Interest rates 6588.10 . Issuance 6588.10 . . Personal identification number 6652.08, 6915 . Money laundering program 8516.08-N . Notification . . Returns and refunds 6653, 6919 . Open end credit . . 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 6652.07, 6678.04, 6912 . Out-of-state customer . . Preemption of state lending restrictions 4751 . Powers inconsistent with FDI Act . . Exemptions 4576 . Purchased credit card relationships 4827, 6120 . Rights and liabilities of cardholder 6588.10, 6916.02 . . Business use 6652.09 . . Conditions of liability 6652.08, 6916.01 . . Consumer report 6653 . . Effect on other laws 6652.09 . . Limitations 6652.08 . . Notification to card issuer 6652.09, 6916.02 . Security deposits . . Insurance coverage 4977 . Standby letter of credit . . Check guarantee 4054 . Truth in Lending Act . . Application 6581 Credit card loans . Definition 2786.01 Credit conversion factors . Bank holding company . . Off-balance sheet items 6120.02-B-2, 6120.17 . Insured state nonmember banks 2262.06-K . . Derivative contracts 6120.18 Credit crisis . FDIC Improvement Act of 1991 . . United States Congress 8550.32 Credit derivative . Definition 2262.01, 2262.23, 6120.02-C, 6120.45 Credit-enhancing interest-only strip (CEIO) . Definition 2242, 2262.01, 2262.23, 6116, 6120.45 Credit-enhancing representations and warranties . Definition 2262.01, 2262.23, 6120.02-C, 6120.45 Credit equivalent amounts . Calculations 6120.14 . Derivative contracts 6120.13 . Netting . . Risk-based capital 2262.06-L, 6120.15 Credit exposure . Correspondent banks 7586.32 . . Capital adequacy 7586.34 . . Foreign banks and banking 7586.34 . . Limitations 7586.33 . . Standards 7586.32 Credit history . Consumer credit practices . . Loan and credit applications 7215 . . Spousal information 7220 Credit issuer . Definition 7163 Credit life, accident, or health insurance . Consumer credit practices . . Loan and credit applications 7261 . Finance charges 6647, 6889, 6893 Credit loss insurance . Finance charges 6570.01, 6647, 6889 Credit or insurance transaction that is not initiated by the consumer . Definition 6604 Credit other than open end SEE ALSO Closed end credit . Disclosure requirements . . Amount financed 6588.01, 6946, 6948 . . Annual percentage rate 6588.02 . . Assumption policy 6955 . . Demand feature 6952 . . Downpayment 6588.02 . . Finance charges 6588.02 . . Identity of creditor 6588.01, 6946 . . Late payment charges 6588.02, 6954.01 . . Liabilities 6588.02 . . Mail or telephone 6588, 6944 . . Payment schedule 6951 . . Prepaid finance charges 6588.02 . . Prepayment penalty 6954 . . Rebate of finance charge 6588.02, 6954.01 . . Security interest 6954.01, 6955 . . Series of sales 6944 . . Student loan 6944.01 . . Total of payments 6588.02, 6953 . . Total sale price 6588.02, 6953 . . Variable rates 6950 Credit outstanding . Definition 1130, 6110.15 . FRB's Regulation O . . Extension of time 4042 Credit Practices Rule . FRB's Regulation AA . . Guidelines 7412.04 . . Unfair or deceptive acts or practices 7412.03 Credit rating . Definition 9186.01 Credit rating agency . Definition 9186.01, 9292, 9366 Credit report SEE Consumer report Credit risk . Definition 5440 Credit risk mitigant . Definition 2262.24, 6120.46 Credit-risk-weighted assets . Definition 2262.24, 6120.46 Credit sale . Definition 6566, 6644, 6877 Credit score . Definition 6610.15 . Notice to applicant 6610.17 Credit scoring system . Definition 7211 Credit transactions SEE ALSO Extortionate credit transactions OR Secured credit transactions . Definition 7211, 7785 . Fair Credit Reporting Act . . Appraisals 6611 . Periodic statement . . Billing cycle credits 6652, 6902.04 . . Identification 6652, 6652.05, 6902.04, 6906.01 . Truth in Lending Act . . State exemptions 6578, 6970 Credit underwriting . Real property loan . . Guidelines 3180 Credit union SEE ALSO Corporate credit unions OR Federal credit union . Advertising . . Deposit insurance 4984.53 . . Safe and sound banking practices 4984.53 . Affiliates . . Federal Reserve Act, section 22(h) 4112 . . Interlocking relationship 2867, 4112 . Brokered deposits . . Certificate of deposit 4984.60 . Definition 8307 . FDIC Improvement Act of 1991 . . Truth in Savings Act . FRB's Regulation CC . . Interest on deposits 7418.08, 7418.64 . Funds availability . . Policy 7418.08, 7418.68 . Insurance coverage . . Correspondent banks 4227 Creditor . Definition 2410, 6566, 6605, 6592.05, 6612, 6617, 6877, 6883, 6989, 6992, 7162, 7211, 7252, 7658, 8775, 9529 . Equal Credit Opportunity Act . . Civil liability 6615 . Priorities . . RTC receiver or conservator 3084 Creditor agency . Definition 2238.02 Creditor liabilities . Truth in Lending Act . . Civil liability 6588.06 Creditor rights . Billing errors . . Error resolution 6656, 6922 . FDIC . . Financial assistance 1220 Creditworthiness . FRB's Regulation O . . Insider transactions 4156, 7646 . . Interpretations 7656.14 . Pertinent element . . Definition 7212 Crimes and dishonesty SEE ALSO Robbery and incidental crimes . Employment, insured depository institutions . . Convicted individual 1291 . . FDI Act, section 19 4431 . . Pretrial diversion 1291 . Reports and reporting requirements 2965 Criminal laws and procedures . Bank obligations . . Mutilation 8284 . Checks . . Certification 8293 . Coins as security . . Loans or extensions of credit 8285 . Concealment of assets . . Receivership and liquidation 8296 . Court proceedings 8311 . Disclosure of information . . Examination report 8300 . Examiners . . Loans or gratuity 8282, 8283 . . Theft from bank 8285 . False advertising 8289 . Federal Reserve note . . Issuance 8284 . Financial institutions . . Gift or compensation 8284 . . Obstructing examination 8299 . . Robbery and incidental crimes 8297, 8306 . . Statute of limitations 8310 . Forge or alter . . Notes, bonds, debentures, or obligations 8285 . Fraudulent and manipulative practices . . Insured institutions 8297, 8299 . Misuse of name to indicate federal agency . . FDIC 8289 . National bank note . . Issuance 8284 . Official . . Larceny and embezzlement 8286 . . Misapplication of funds 8285 . . Theft from bank 8286 . Powers, authorities, and duties of united states secret service uniformed division 8310.01 . Procurement of Federal Reserve loan or discount 8283 . Transportation of stolen goods, securities, moneys 8308 . Witness immunity 8310.02 Criminal penalties SEE ALSO Penalties . FDI Act, section 8 . . Violation 1144.01 . Money laundering . Privacy Act of 1974 . . Agency records 8035 . Willful violation . . Bank Holding Company Act 6046.13, 6091 . . Bank Records and Foreign Transactions Act 8178 . . Electronic Fund Transfer Act 6634 . . Fair Housing Act 6988.10 . . Financial recordkeeping and reporting of currency and foreign transactions 8511 . . International Banking Act 8800 . . Monetary instruments transactions 8401 . . Truth in Lending Act 6575 Criminally derived property . Definition 8306 Critically undercapitalized . Definition 1431, 2252 . Insured depository institutions 1438 . . Receiver or conservator 1438 . . Restrictions 1439 Crop insurance . Criminal laws and procedures . . Falsification of book, record, report, account, or statement 8295 Cross affiliate netting arrangement . Definition 7785 Cross-guaranties . Commonly controlled depository institutions . . Affiliates 5327 . . Liabilities 5327 Cross marketing . Competitive Equality Banking Act of 1987 . . Nonbank banks . Financial holding companies 6046.05, 6110.28-S . Merchant banking investments 6110.28-S Cross-ownership SEE Circular ownership Crossing of buy and sell orders . Definition 2756 CUISP . Definition 9440.04 Cultural park . Definition 8822.27 Currency . Definition 8407, 8484, 8498.02 Currency dealer or exchanger . Records maintenance and retention . . Currency transactions 8503 Currency transactions SEE ALSO Monetary instruments transactions . Definition 8486 . Exemptions 8498.01, 8498.06 . FDIC receiver or conservator . . Futures, forward, and standby contracts 4351 . Person . . United States nonresident 8505 . Records maintenance and retention 8504 . . Broker or dealer in securities 8500 . . Currency dealer or exchanger 8503 . . Domestic currency transactions 8403, 8496 . . Financial institutions 8498.08 . . Gambling casino 8498, 8501, 8511 . Reports of International Transportation of Currency or Monetary Instruments 8487 . Reports and reporting requirements 8486.02-A, 8498.01 . . Domestic currency transactions 8383, 8496 . . Exemptions 8384, 8486.02-B . . FDI Act, section 19 4860 . . Filing requirement 8497 . . Foreign currency transactions 8385, 8386 . . Gambling casino 8486.02-E . . Suspicious activity report 8486.05 . Violation . . Savings associations 8722 Current examination . Definition 5049 Current exposure . Definition 2262.24, 6120.46 Current market value . Definition 7760, 9386 Current semiannual period . Definition 2293 Cushion . Definition 7009 Custodial account . Depositor rights . . Bank failure 4310 . . Independent activity 4383 . . Recordkeeping requirement 4381, 4386 . Insurance coverage 1183 . . Agency or nominee account 2356 . . American Indians 2356 . . Annuity contract account 2356, 4493 . . Compensation 4984.62 . . Condominium association 4595 . . Court 4606 . . Court of the United States 4492 . . Deposit ownership 2354 . . Fiduciary capacity 2356 . . Forfeited funds 4525 . . Funeral services and merchandise 4373 . . Investments 4355 . . Joint account 2356 . . Mortgage loan 4408 . . Mortgage servicing account 2356, 4408, 4909, 4928 . . Reports and reporting requirements 4449 . . Repurchase agreements 4799 . . Security deposits 4609 . . Seized funds 4525 . . Separate coverage 4266 . . Uniform Gifts to Minors Act 2356 . Passthrough accounts . . Beneficial ownership 4403 . . Legal proceedings 4667 . Registered management company 9312 Custodial holdings . Control . . Public unit account 4171, 4174, 4175, 4179, 4182 . FRB's Regulation O . . Principal stockholder 4027 . Government securities 8259 . . Clearance of securities 8280.03 . . Confirmation requirement 8280.01 . . Depository institutions 8276, 8280 . . Records maintenance and retention 4932, 8276 . . Repurchase agreements 8260, 8280.04, 8280.05 . . Temporary lag 8259, 8280.04 . . Trust department 8280.02 . Insurance coverage . . Governmental units 4282, 4283 . . Public unit account 4171, 4174, 4175, 4179, 4182 . . Recordkeeping requirement Customer SEE ALSO Out-of-state customer . Customer identification program 8516.06-D . Definition 2167, 2391, 2756, 3170, 3223, 6120.35, 6610.37, 7418, 7658, 7761, 8262, 8275, 8516.06-D, 8516.08-B, 8516.08-E, 8516.08-J, 8673.27, 9440.03 Customer financial records . Definition 2168 Customer identification programs . Bank Secrecy Act compliance 2265 . Brokers and dealers 8516.08-A . Financial institutions 8516.06-D . Futures commission merchants 8516.08-E . Introducing brokers 8516.08-E . Mutual funds 8516.08-J Customer information . Definition 3170, 6120.35 . Gramm-Leach-Bliley Act 3165, 3169, 6120.35 . . Guidelines 3165, 6120.35 . . Reports and reporting requirements 3171, 6120.37 . . Security devices and procedures 3170, 6120.35 . Sensitive customer information 3172.03, 6120.40 Customer information of a financial institution . Definition 8673.27 Customer information systems . Definition 3170, 6120.35 Customer relationship . Definition 2391, 8673.23 Cycle . Definition 6644, 6873 |
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