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Eagle logo . Official sign . . Savings associations 4414 Early amortization provision . Definition 2262.24, 6120.47 Early amortiztion provision . Definition 2262.24 Early loan . Definition 8890.02 Early resolution . FDIC Improvement Act of 1991 . . Least-cost resolution 8550.01 . . Report to Congress 8550.01 Early withdrawal SEE Time deposits OR Withdrawal of funds Earnings . Definition 6595, 7411 Earnings based accounts . Insurance coverage . . Brokered deposits 4208 . . Insured banks 4238 Ecash . Electronic funds transfers . . Deposit insurance 4984.15 Economic downturn conditions . Definition 2262.25, 6120.47 Economic impact . Assets liquidation . . FDIC receiver or conservator 1188.18-A Economically depressed region . Definition 1232 . Determination 3077 . Financial assistance . . Emergency 1232, 3077 . . Savings Association Insurance Fund (SAIF) member 3077 EDGAR . Securities and Exchange Commission . . Appropriations authorization 9273 Edgar filing SEE Electronic filing Edge Act . Act 7513 Edge Corporation . Acceptances outstanding . . Limitations 7628.01 . . Loans or extensions of credit 7628.01 . Acquisition of control 7617 . Annual meeting . . Reports and reporting requirements 7518 . Bank holding company . . Acquisition of bank shares or assets . . Investments . Bank services . . Employee benefit plan 7621 . Capital stock . . Controlling interest 7517 . Capitalization . . Capital adequacy 7628.01, 7628.02 . Competition . . Foreign branches 7513, 8786 . Delegated authority . . Federal Reserve banks 6191, 6194, 6195 . . FRB Division of Banking Supervision and Regulation Director 6187 . . FRB Secretary 6183, 6184 . . Interlocking director 8593 . Dividends 7518 . Examination . . FRB 7518 . Export trading companies . . Investments 7628.23 . Federal corporation 7519 . FRB . . Capital stock 7516 . . Limitations 7515, 7519 . . Powers 7514 . FRB member banks 7517 . FRB's Regulation D . . Reserve requirements 7582 . FRB's Regulation K . . Agreement corporation 7618 . . Borrowing 7620 . . Credit 7620 . . Domestic branches 7618 . . Employee benefit plan 7621 . . Financing 7620 . . Foreign activities 7619, 7621 . . Foreign deposits 7619 . . Foreign exchange 7620 . . Funds 7619 . . Interest rates limitation and regulation 7618 . . Investment or financial advice 7620 . . Lending limit 7628.01 . . Notice of acquisition of control 7617 . . Organization 7616 . . Payments and collections 7620 . . Reserve requirements 7618 . . Stock ownership 7617 . . United States activities 7619 . Interlocking director 8593 . International banking facility . . International banking facility eligible assets . Investments . . Prior approval 4725 . Official, personal dishonesty . . Penalties 7519, 7520 . Receivership and liquidation . . FDIC receiver or conservator 7518 . Reporting requirements 7628.03 . . Suspicious activity report 7619 . Rights, privileges, and franchises . . Forfeiture 7517 . Taxes 7518.01 . Violation 7517 Educational institution . Definition 2169, 8590.14, 8590.71 Educational loans . FRB member banks . . Insider transactions 7512.04 Efective notional amount . Definition 2262.25 Effective date of transfer . Definition 7078 . Federally-related mortgage loans . . Loan payment 7076 Effective financing statement . Definition 8670 Effective maturity (M) . Definition 2262.25, 6120.47 Effective notional amount . Definition 2262.25, 6120.47 Elderly SEE ALSO Housing for older people . Definition 7211 Electronic and information technology . Definition 2946 Electronic benefit transfer program . Definition 6627 Electronic communication . Definition 6670.03, 6691, 7225, 7375, 7436 . Disclosure requirements 6731, 6982.02-C, 7264.09, 7376, 7408.02, 7436, 7473 Electronic filing . Institutional investment manager . . Securities Exchange Act of 1934, section 13(f) securities Electronic Fund Transfer Act SEE ALSO Preauthorized electronic fund transfers OR Unauthorized electronic fund transfers . Act 6625 . Administrative enforcement . . Federal Trade Commission 6635 . Annual report to Congress . . FRB 6636 . Comptroller of the Currency . . Enforcement agency for agencies of foreign banks 6635 . . Enforcement agency for federal branches 6635 . . Enforcement agency for national banks 6635 . Consumer Credit Protection Act 6625 . Effective date 6637 . Electronic fund transfers . . Definition 7362 . . Error resolution 6629 . FDIC . . Enforcement agency for insured nonmember banks 6635 . . Enforcement agency for insured state branches of foreign banks 6635 . FRB . . Enforcement agency for branches of foreign banks 6635 . . Enforcement agency for Edge corporations 6635 . . Enforcement agency for state member banks 6635 . Office of Thrift Supervision . . Enforcement agency for savings associations 6635 . Preauthorized electronic fund transfers . . Written authorization 6629 . Records maintenance and retention . . Compliance 7407 . State laws 6636, 6637 . Unauthorized electronic fund transfers . . Consumer liabilities 6630 Electronic fund transfers SEE ALSO Internet banking OR Preauthorized electronic fund transfers OR Unauthorized electronic fund transfers . Accepted card or other means of access . . Issuance 6632 . Civil liability 6633, 7394 . Closed insured banks . . Automated teller machines 4296 . Compulsory usage 6633 . Criminal penalties 6634 . Definition 6605, 6625, 6628, 7362, 7363, 7390 . Disclosure requirements . . Documentation 6628.01, 6629 . . Periodic statement 6628.01, 6629 . Ecash 4984.15 . Error resolution . . Consumer rights 4856 . . Electronic Fund Transfer Act 6629 . . Procedure 7369 . . Truth in Lending Act 7408.02 . FRB . . Rules and regulations 6626 . FRB's Regulation E . . Documentation 7367 . . Error resolution 7406 . Governmental agencies . . Benefit payment 4771, 7374 . Interpretations 7389 . Liabilities 7394 . . Financial institutions 6632 . Receipt 7399 . Requirements for financial institutions offering payroll card accounts 7376 . System malfunction . . Obligations of consumers 6633 . Waiver of right 6633 Electronic media . Definition 2735 Electronic payment . Definition 7416, 7418.44 Electronic signs . Definition 5449 Electronic storage media . Definition 9438 Electronic terminal SEE ALSO Debit card transaction . Definition 6626, 7362, 7390 . Electronic fund transfers . . Receipt 7399 Eligibility and continued eligibility for credit . Definition 2410 Eligible ABCP liquidity facility . Definition 6120.02-D Eligible affiliated mutual fund securities . Definition 7786, 7796 Eligible bank . Definition 9386 Eligible clean-up call . Definition 2262.25, 6120.47 Eligible commercial real property . Definition 1193 Eligible condominium property . Affordable housing program . . FDIC 1483 . Definition 1486 Eligible country . Definition 7612 Eligible credit derivative . Definition 2262.25, 6120.47 Eligible credit reserves . Definition 2262.26, 6120.48 Eligible depositors . Definition 2405 Eligible depository institution . Definition 2045, 3124.02 Eligible double default guarantor . Definition 2262.26, 6120.48 Eligible entity . Definition 8822.34 Eligible guarantee . Definition 2262.26 Eligible guarantee . Definition 6120.49 Eligible Guarantor Institution . Definition 9440 Eligible insured branch . Definition 2068.03 Eligible insured depository institution . Definition 2296.01 Eligible insured state nonmember bank . Definition 2846 Eligible investor . Definition 7628.22 Eligible margin loan . Definition 2262.27, 6120.49 Eligible mortgages . Definition 5197 Eligible multifamily housing property . Affordable housing program . . FDIC 1477 . Definition 1486 Eligible operational risk offsets . Definition 2262.27, 6120.49 Eligible portfolio company . Definition 9290 Eligible purchased wholesale exposure . Definition 2262.27, 6120.49 Eligible residential property . Definition 1486 Eligible securitization guarantor . Definition 2262.27, 6120.50 Eligible servicer cash advance facility . Definition 2262.28, 6120.50 Eligible single family property . Definition 1486 . FDIC . . Affordable housing program 1476 Eligible subsidiary . Definition 3124.02 Embezzlement SEE Banker blanket bond OR Larceny and embezzlement Emergency . Acquisition of control . . Dual service . . Economically depressed region 1232 . . Interstate transactions 1222.03 . . Merger transactions 1231 . . Minority organization 1231 . . Savings associations . Data processing . . Interdepository institution agreements 4668 . Definition 9205 . Delegated authority . . FRB Division of Banking Supervision and Regulation Director 6187 . . Merger transactions 6187 . Financial assistance . . Economically depressed region 1232, 3077 . . Interstate transactions 1222 . Funds availability . . Exceptions 7418.04, 7418.59 . Safeguards . . Delayed availability of funds 7428.01 . Temporary banking facilities . . Branch establishment, operation, or relocation 4098 Emergency Homeowners' Relief Act . Act 8547 . FDIC . . Advances . . Enforcement agency for insured nonmember banks 8547 . . Mortgage foreclosure proceedings 8547 Emergency Housing Act of 1975 SEE Emergency Homeowners' Relief Act Emergency thrift institution acquisition . Bank holding company . . Exemptions 6041 . . Nonbanking acquisitions 6110.01 . Savings associations . . Insured banks Empirically derived and other credit scoring systems . Definition 7211, 7252 Employee benefit plan SEE ALSO Benefit payment OR Pension plan OR Profit sharing plan . Change in Bank Control Act of 1978 . . Notice of proposed transaction 4774 . Definition 2363, 2364, 4984.32 . FRB's Regulation K . . Edge Corporation 7621 . Insider transactions . . Reports and reporting requirements 4399 . Insurance coverage 2362, 4929 . . Bank investment contracts 4816 . . Brokered deposits 4641, 4919 . . Contingent interest 4899 . . Defined benefit plan 2363 . . Defined contribution plan 2363, 4708, 4773 . . FDIC Improvement Act of 1991 4776 . . Individual retirement account 4571 . . Overfunded pension plan 2363 . . Passthrough accounts 4402, 4574, 4597, 4615, 4629, 4708, 4722, 4777, 4899, 4919 . . Private insurance 4488 . . Vacation plan 4834 . Securities Exchange Act of 1934, section 16 exemption . . Effective date 4750, 4769 . . Stock option plan . Trust company . . Trustee 4447 . Undercapitalized insured depository institution . . Passthrough accounts 4809 . Uninsured deposits . . Pledge of assets 4777 Employee compensation SEE ALSO Pension plan . Deposit broker . . Insured state nonmember banks 4686 . FRB's Regulation O . . Preferential loans 4053 . . Violation 4587 . Loans or extensions of credit to affiliates . . Violation 4587 . Securities and Exchange Commission 9186.04 Employee Confidential Financial Disclosure Records . FDIC . . System of records 2211 Employee health insurance . FDIC Improvement Act of 1991 . . Failed financial institutions 8550.31 Employee Medical and Health Assessment Records . FDIC . . System of records 2226.03 Employee of the Corporation . Definition 1062.01 . Immunity 1062 Employee organization . Definition 2363 Employee stock option plan . Guarantee the obligations of third parties . . Powers inconsistent with FDI Act 4078 . Mutual savings banks . . Conversion transactions 2406 Employee stock ownership plan . Change in Bank Control Act of 1978 4806, 4911 . Covered transaction . . Affiliates 4544 . Fiduciaries exemption 4082 . Guarantee the obligations of third parties . . Exemptions 4164 . Insured banks . . Affiliates 4449, 4818 . . Collateral requirements 4449 . . Loans or extensions of credit 4449 . Mutual savings banks . . Conversion transactions 2406 . Voting rights 4082 Employee training . Federal Financial Institutions Examination Council . . Risks . FRB's Regulation CC . . Depositary banks 7418.12, 7418.74 Employee Training Information Records . FDIC . . System of records 2214 Employee welfare benefit plan . Definition 4984.33 Employees . Definition 1361, 2608, 4686 . Discharge from employment . . Convicted individual 1291 . . Discriminatory practices 1401 . . Federal banking agencies 1401 . . Garnishment 6596 . . Insured depository institutions 1401 . FDIC . . Qualified handicapped persons 2947 . Office of Thrift Supervision, Director . . Compensation 8697 Employees' securities company . Definition 9285 Employer identification number . Taxpayer identification number . . Social Security number 9595 Employment, insured depository institutions . Convicted individual . . Contractors 4512.01, 4639 . . FDI Act, section 19 1291, 4426, 4431, 4740, 5155 . Pretrial diversion 1291 Employment purposes . Definition 6603, 7188 Endorsements SEE Indorsements Enforcement agency . Consumer credit practices . . Discriminatory practices 4214, 7223 . Expedited Funds Availability Act . . Check clearance 7428.07 . Fair housing 9655 . . Certification 9753 . . Funding 9763 . Federal credit union . . Federal Trade Commission Act 8569 . Federal Trade Commission . . Federal Trade Commission Act 8551 . . FRB's Regulation Z 6571, 6678.28 . . Gramm-Leach-Bliley Act 8673.20, 8673.25 . . Truth in Lending Act 6571 . Federally chartered or insured financial institutions . . FRB's Regulation AA 4214 . . FRB's Regulation B 4214 . Financial recordkeeping and reporting of currency and foreign transactions Enforcement agency for bank holding companies . FRB . . Securities Exchange Act of 1934 9178 Enforcement agency for branches and agencies of foreign banks . 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 . Gramm-Leach-Bliley Act 8673.20 . Home Mortgage Disclosure Act of 1975 7306 . International Banking Act 8786, 8797 Enforcement agency for broker or dealer in securities . Securities and Exchange Commission . . Equal Credit Opportunity Act 6613 . . FRB's Regulation B 7227 . . Gramm-Leach-Bliley Act 8673.20 Enforcement agency for District banks . Comptroller of the Currency . . Federal Trade Commission Act 8569 . . Financial recordkeeping and reporting of currency and foreign transactions 8026 . . Securities Exchange Act of 1934 9178 Enforcement agency for Edge corporations . FRB . . 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 insured banks . FDIC . . Federal Trade Commission Act 8569 Enforcement agency for insured nonmember banks . FDIC . . Competitive Equality Banking Act of 1987 7428.07 . . Consumer Credit Protection Act 6571 . . Depository Institution Management Interlocks Act 2870, 8595 . . Electronic Fund Transfer Act 6635 . . Emergency Homeowners' Relief Act 8547 . . Equal Credit Opportunity Act 4279, 6613 . . Expedited Funds Availability Act 7428.07 . . Fair Debt Collection Practices Act 6623 . . FRB's Regulation AA 7410, 7412.03 . . FRB's Regulation B 7223 . . FRB's Regulation CC 7418.02 . . FRB's Regulation M 6699 . . FRB's Regulation Z 6678.28 . . Gramm-Leach-Bliley Act 8673.20 . . Home Mortgage Disclosure Act of 1975 7306 . . Missing, lost, counterfeit, or stolen securities 9234.01 . . Securities Exchange Act of 1934 9178 . . Truth in Lending Act 6571, 6643 Enforcement agency for national banks . Comptroller of the Currency . . 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 . . FRB's Regulation B 7223 . . FRB's Regulation CC 7418.02 . . FRB's Regulation E 7380 . . Gramm-Leach-Bliley Act 8673.20 . . Home Mortgage Disclosure Act of 1975 7306 . . Securities Exchange Act of 1934 9178 . . Truth in Lending Act 6571 Enforcement agency for savings associations . Office of Thrift Supervision . . Depository Institution Management Interlocks Act 8593 . . Electronic Fund Transfer Act 6635 . . Equal Credit Opportunity Act 6613 . . Expedited Funds Availability Act 7428.07 . . Fair Debt Collection Practices Act 6623 . . Federal Trade Commission Act 8569 . . FRB's Regulation B 7225 . . Gramm-Leach-Bliley Act 8673.20 . . Home Mortgage Disclosure Act of 1975 7307 . . Truth in Lending Act 6571 Enforcement agency for state member banks . FRB . . 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 8028 . . FRB's Regulation B 7226 . . FRB's Regulation CC 7418.02 . . FRB's Regulation E 7380 . . Gramm-Leach-Bliley Act 8673.20 . . Home Mortgage Disclosure Act of 1975 7306 . . Securities Exchange Act of 1934 9178 . . Truth in Lending Act 6571 Enforcement counsel . Definition 2128 Engaged in activities . Definition 7613 Engaged in banking . Definition 7613 Engaged in business . Definition 7613 Engagement letter . Definition 5305 Engages directly in the business of banking outside of the United States . Definition 7628.05 Enrolled loan . Definition 8890.03 Enterprise . Definition 6610.17, 7498.04 Entire community . Definition 6988.26 Entrance . Definition Entrance fee deposit base . Definition Entrance or exit fees . Assuming depository institution 4622 . Conversion transactions . . Bank Insurance Fund (BIF) 4484 . . Bank Insurance Fund (BIF) reserve ratio . . Calculations . . Insured depository institutions 1096, 4619 . . Oakar bank 4540 . . Savings Association Insurance Fund (SAIF) 4484 . . Savings Association Insurance Fund (SAIF) reserve ratio . . Thrift exemption . Insured deposit transfer . . Bank Insurance Fund (BIF) member . . Savings Association Insurance Fund (SAIF) member . Savings associations 8738 Environmental assessment . Definition 5185 Environmental Impact Statement SEE ALSO National Environmental Policy Act of 1969 . Bank establishment or relocation 5185, 8809 Environmental risk program . Real estate-related financial transactions . . FDIC Statement of Policy 5471 Equal Credit Opportunity Act SEE ALSO FRB's Regulation B . Act 6610.48 . Comptroller of the Currency . . Enforcement agency for agencies of foreign banks 6613 . . Enforcement agency for federal branches 6613 . . Enforcement agency for national banks 6613 . Credit . . Adverse action 6610.19 . . Discriminatory practices 6610.19 . Creditor . . Civil liability 6615 . Delegated authority . . FRB Division of Consumer Affairs Director 6190.01 . Effect on state laws 6614.01 . Effective date 6616.01 . FDIC . . Enforcement agency for insured nonmember banks 4279, 6613 . . Enforcement agency for insured state branches of foreign banks 6613 . FDIC Statement of Policy . . Corrective action 5221 . Federal Trade Commission . . Administrative enforcement 6613 . Financial institutions reform, recovery, and enforcement act of 1989 . . Affirmative program for equal employment opportunity 8590.02 . . Reports to congress 8590.03 . . Solicitation of contracts 8590.02 . FRB . . Annual report to Congress 6616 . . Enforcement agency for branches of foreign banks 6613 . . Enforcement agency for Edge corporations 6613 . . Enforcement agency for state member banks 6613 . FRB's Regulation B . . Rules and regulations 6612, 7209 . Loan and credit applications . . Consumer credit practices 4828, 7218, 7253 . Office of Thrift Supervision . . Enforcement agency for savings associations 6613 . Securities and Exchange Commission . . Enforcement agency for broker or dealer in securities 6613 Equal housing lender SEE ALSO Fair housing . Fair housing . . Poster 2648, 2649, 9733 Equal regulation . Definition 9180 Equity . Definition 7613, 7659 Equity capital . Definition 7786 Equity derivative contract . Definition 2262.28, 6120.50 Equity exposure . Definition 2262.28, 6120.50 Equity interest . Definition 2846 Equity interest in real estate . Definition 3128 Equity investment permissible for a national bank . Definition 3132 Equity investments SEE ALSO Nonvoting equity investments . Definition 2262.06-B-4, 3119, 3131, 6120.02-B-2 . Federal savings associations . . Mortgage-backed securities 4930 . Insured state banks 1321, 1323, 3117, 4632 . . Community development 4905 . . Delegated authority 3157 . . Divestiture 3147, 3156, 4833 . . Farmer Mac securities 4964 . . Federal Agricultural Mortgage Corporation 4788 . . Foreign activities 2848 . . Grandfather provisions 3120 . . Insurance agency activities 3122, 4897 . . Limited liability companies 4903, 4906 . . Maximum investment 3124.03, 3152 . . Mutual funds 4729 . . Notice to FDIC 3149 . . Permissible investments 4788 . . Prohibitions 3138 . . Qualified housing project 1321, 3120, 3140, 4903, 4906 . . Security company affiliations 3124.06 . . Subsidiaries 1322, 3120, 3123, 3124.02, 3139, 4897 . Savings Association Insurance Fund (SAIF) . . Conversion transactions 4565 . State savings associations 3124.10 . . Divestiture 1349 . . Excess over federal savings associations 4440 . . Service corporations 1349, 3124.10 . . Subsidiaries 3124.11 Equity security . Definition 2846, 3119, 3124.06, 3131, 9176.02 . FRB's Regulation K . . Swap transactions 7634 Equity security of such issuer . Definition 9432.02 Equityholder . Definition 3088 ERISA . Delegated authority . . FRB Division of Banking Supervision and Regulation Director 6187, 6189 Error resolution . Billing errors . . Corrective action 6655, 6922 . . Creditor rights 6656, 6922 . . Open end credit 6654, 6919 . Depository institutions . Electronic fund transfers . . Consumer rights 4856 . . Electronic Fund Transfer Act 6629 . . Interpretations 7406 . . Procedure 7369 . FRB's Regulation E . . Consumer notice 7366, 7394 . FRB's Regulation Z . . FRB's Regulation E 6656 . Truth in Lending Act . . Disclosure requirements 6572 . . Restitution 5049, 6572 Errors SEE ALSO Billing errors OR Inadvertent errors . Definition 7369, 7405 Escrow . Definition 6994 Escrow account . Definition 7008, 7009 . Insurance coverage . . Fiduciary capacity 4554 . . Mortgage servicing rights 4823 . . Passthrough accounts 4314, 4315, 4482, 4498, 4630 . . Recordkeeping requirement 4330, 4350, 4374, 4386, 4498, 4602, 4674 . . Separate coverage 4267 . . Trustee 4187 . RESPA 7008 . . Administration 7078 . . Calculations 7011, 7053 . . Federally-related mortgage loans 7081 . . Penalties 7018, 7082 . . Shortage 7014, 7081 . . Special Information Booklet 7073 . . Statements 7015, 7081 . . Surplus 7014 . . Transfer of account 7013 Escrow account analysis . Definition 7009 Escrow account computation year . Definition 7009 Escrow account item . Definition 7009 Escrow agreement . Definition 7659 Establish . Definition 7628.05 Established customer . Definition 8484 Established depository institution . Definition 2290 Estimated credit losses . Definition 5453 Ethics regulation SEE Code of ethics OR Conflict of interest OR Responsibilities and conduct Eurocurrency liabilities . Definition 7579 Evidence . Adjudicatory proceedings 2144.01 . . Amendment 2136 . Fair Housing . . Rules of practice and procedure 9807 . . Secretary of Housing and Urban Development 6988.10 Ex parte communication . Adjudicatory proceedings . . Prohibitions 2131, 9793 . Definition 2131, 8024 Examination . Affiliates . . Insured depository institutions 1171 . Annual requirement . . Full-scope, on-site examination 1172 . Appropriate federal banking agency . . Foreign financial regulatory authority 1150 . . Government securities broker or dealer 9228.13 . Community development financial institution fund 8886, 8888 . Coordination with other regulatory agencies 1173, 1175 . CRA 2786.14, 6988.27 . . Appropriate federal banking agency 6988.25 . . CRA rating 6988.28 . . Disclosure of information 6988.27 . Definition 2167 . External audit coordination . . FDIC Statement of Policy 5367 . FDIC . . Powers 1155, 1171 . FDIC Improvement Act of 1991 . . Supervisory reform 8549 . Fees or charges 1174 . . Affiliates 1174 . . Civil money penalties 1174 . Financial holding companies 6046.07 . Flood insurance 1176 . Foreign activities 2853 . Foreign banks and banking 1171, 2858, 2864.01, 7628.18, 8793 . . Disclosure of information 7628.19 . . Representative office 8798 . FRB . . Edge Corporation 7518 . . Frequency . Insured state nonmember banks . . Frequency . Interstate banking 1175 . Obstructing examination . . Criminal penalties 8299 . Savings and loan holding company . . Office of Thrift Supervision, Director 8727 . Savings associations 8727 . . Fees or charges 8724 . . Supervision 8697 . Securities transactions . . Records maintenance and retention 9232 . Special examination 1171 Examination coordination . Delegated authority . . FRB Division of Banking Supervision and Regulation Director 6188 . FDIC Statement of Policy 5077 Examination report . Consumer credit . . Classification . Criminal laws and procedures . . Disclosure of information 8300 . Definition 2167 . FDIC . . Appropriate regulatory agency 1111 . . Disclosure of information 2174 . FRB's Regulation Y . . Bank holding company 6090 . Insured state nonmember banks . . Disclosure of information 1261 . Investment advisory activities . . Disclosure of information 9378 . Loans or extensions of credit . . Loan commitment 4438 . Monetary instruments transactions . . Compliance 1145 Examiners . Appointment 1171 . Criminal laws and procedures . . Assault and resistance 8296 . . Loans or gratuity 8282, 8283 . . Outside employment prohibition 8300 . . Theft from bank 8286 . Delegated authority . . FRB Division of Banking Supervision and Regulation Director 6188 . External auditor coordination . . FDIC Statement of Policy 5367 . Savings associations . . Office of Thrift Supervision, Director 8740.08 Examining authority . Definition 7659, 7761, 8246, 9238.02 Exceptional circumstances . Definition 8028 Excess benefit plan . Definition 9432.10 Excess spread . Definition 2262.28, 6120.50 Exchange SEE ALSO National securities exchange . Definition 9173, 9285, 9364 Exchange agent . Definition 9440 Exchange certification . National securities exchange . . Application 9200 Exchange offer . Definition 9401 Exchange rate derivative contract . Definition 2262.28, 6120.50 Exchange rules . Definition 9178 Excluded communications . Definition 6604 Excluded mortgage exposure . Definition 2262.28, 6120.50 Exclusive processor . Definition 9176.04 Execution date . Definition 8484 Executive officer SEE ALSO Insider OR Management official OR Senior executive officer . Annual report . . Extensions of credit . . Records maintenance and retention . Definition 2844.03, 3119, 3167, 4857, 6062, 7512.06-A, 7643, 7651 . FRB's Regulation O 4018 . . Aggregate lending limit 4018, 4020, 4636, 4641, 4642, 4644, 4646, 4649, 4670 . . Commitments 4101 . . Definition 6110.28-U, 4857 . . Extensions of credit 4032 . . Interpretations 4635, 7655, 7656.09 . . Mortgage loan 4624, 4923 . . Reports and reporting requirements 7649 . Golden parachute payment 4984 . Indebtedness . . Disclosure requirements Executive or administrative personnel . Definition 8533 Executive Secretary SEE ALSO FDIC Executive Secretary . Definition 2128 Executor account . Insurance coverage . . Single ownership account 2356 Exempt person . Definition 8486.02-G Exempt records SEE ALSO Records maintenance and retention . FDIC . . Disclosure of information 2174 Exempt transfer agent . Definition 9435 Exempted borrower . Definition 7659, 7761 Exempted securities . Definition 9176.02 . Securities transactions 8980, 8984 Exempted securities mutual fund . Definition 7659 Existing customer . Definition Expected credit loss (ECL) . Definition 2262.28, 6120.51 Expected exposure . Definition 2262.29, 6120.51 Expected operational loss (EOL) . Definition 2262.29, 6120.51 Expected positive exposure (EPE) . Definition 2262.29, 6120.51 Expedited Funds Availability Act . Act 7424 . Comptroller of the Currency . . Enforcement agency for national banks 7428.07 . Disclosure requirements . . Funds availability 7428.03 . Effect on state laws 7428.05 . Effective date 7428.09 . FDIC . . Enforcement agency for insured nonmember banks 7428.07 . FRB . . Administrative enforcement 7428.07 . . Check clearance 7428.07 . . Enforcement agency for state member banks 7428.07 . FRB's Regulation CC 7413 . . Interpretations 7418.40 . Office of Thrift Supervision . . Enforcement agency for savings associations 7428.07 Expenses SEE Fees or charges OR Fees or charges OR Liquidation fees, expenses, and compensation Expert witnesses . Definition 9781 Export and import of monetary instruments . Monetary instruments transactions . . Closely related events 8387 . . Recordkeeping requirement 1303 . . Search and seizure 8387 Export trade services . Definition 6036 Export trading companies . Bank holding company . . Exemption from ownership or control prohibition 6034 . Definition 6036, 7628.22 . Delegated authority . . Federal Reserve banks 6195 . . FRB Secretary 6184 . Eligible investors 7628.23 . . Agreement corporation 7628.23 . . Bank holding company 7628.23 . . Bankers' bank 7628.23 . . Edge Corporation 7628.23 . . Foreign banking organization 7628.23 Exposure . Definition 7586.31 Exposure at default (EAD) . Definition 2262.29, 6120.51 Exposure category . Definition 2262.30, 6120.52 Extend credit . Definition 6592.05 Extension of credit under an open end credit plan . Definition 9213 Extension of time . Adjudicatory proceedings . . Service of documents 2134 . Application 2068.18 . Delegated authority . . Federal Reserve banks 6192 . . FRB Division of Banking Supervision and Regulation Director 6186.01 . . FRB Secretary 6183 . FRB's Regulation O . . Insider indebtedness 4042 . . Outstanding credit 4042 . Interlocking relationship . . Industrial banks 4143 . Waiver . . Appraisers 8590.23 Extensions of credit SEE ALSO Loans or extensions of credit . Definition 3119, 6036, 6062, 6110.07, 6592.05, 7211, 7216, 7512.06-A, 7216, 7644, 7651, 7786 . Repayment 6592 Exterior . Definition External auditing program . Definition 5306 . FDIC Statement of Policy 5299 . . Examination coordination 5367 External operational loss event data . Definition 2262.30, 6120.52 External rating . Definition 2262.30, 6120.52 Externally rated . Definition 2262.02, 6120.02-D Extortionate credit transactions . Consumer Credit Protection Act 6592.04 . . Effect on state laws 6594 . Penalties 6593 Extortionate extension of credit . Definition 6592.06 Extortionate means . Definition 6592.06 Extraordinary growth . Definition 2166.17 Extraterritorial act . Foreign banks and banking . . Termination of insurance 2155 |
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