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Jewel . Definition 8516.10-A Joint account . Insurance coverage . . Custodial account 2356 . . Deposit ownership 4256 . . Deposits 4147 . . Husband and wife aggregate account 4280, 4289, 4368 . . Individual and corporation 4460 . . Revocable trust account 2359, 4280, 4289, 4368 . . Separate coverage 2358 . . Signature 4562, 4598, 4654 . Revocable trust account . . Grantors and beneficiaries identical 4548 . Trust funds . . Trust account 4526 Joint agreement . Definition 8673.23 Joint Statement of Policy . Branch closure 5391 . Discriminatory practices . . Federal Financial Institutions Examination Council 5065 . . Loans or extensions of credit 5397 . Interest rate risk 5421 . Truth in Lending Act . . Restitution 5049 Joint venture . Definition 2849, 7613 Judgmental system of evaluating applicants . Definition 7212, 7215 Judicial review . Acquisition of control 1130.01 . Adjudicatory proceedings . . Stay 2145 . Administrative procedure 8055 . Cease-and-desist order . . Federal Trade Commission Act 8552 . . Investment Company Act of 1940 9300.03, 9341 . . Notice of charges and of hearing 1134 . . Securities Act of 1933 8986.02 . . Securities Exchange Act of 1934 9257 . Fair Credit Reporting Act . . State laws 6592.06 . Fair housing . . Rules of practice and procedure 9812, 9813 . Investment Advisers Act of 1940 . . Securities and Exchange Commission 9379 . Investment Company Act of 1940 9340 . Merger transactions . . Antitrust actions 1259 . Regulatory Flexibility Act . . Regulatory flexibility analysis 8054.01 . Rules of practice and procedure . . Appraisal Subcommittee (FFIEC) 8590.37 . Termination of insurance . . Hearing 1132 . . Temporary suspension 1133 . Violation of orders . . Removal or suspension of institution-affiliated party 1142 Judicial subpoena . Financial record . . Financial Institutions Regulatory and Interest Rate Control Act of 1978 (FIRA) or (FIRIRCA) 7094 Jurisdiction of court . Acquisition of control . . Statute of limitations 1130.01 . Agency records . . Copies availability 8025 . Cease-and-desist order . . Court injunctions 1142, 1143 . . Enforcement 1142 . FDIC receiver or conservator . . Claims 1188.11, 1188.20 . Federal Trade Commission Act 8552 . Investment Advisers Act of 1940 . . Violation of law, rule, or regulation 9375 . Investment Company Act of 1940 9342 . Removal or suspension of institution-affiliated party . . Notice of intention to remove or prohibit 1138, 1140, 1142, 9248 . . Securities and Exchange Commission 9248 . RESPA . . Damages 7083 . Right to Financial Privacy Act of 1978 . . Enforcement 7104 . Securities Act of 1933 8994.01 . Securities Exchange Act of 1934 . . Violation 9249 . Tying arrangements 6064 . Violation of orders . . Suspension or prohibition 1142 Keogh account SEE Self-employed retirement plan Key employee . Definition 3207 Key factors . Definition 6610.15 Kickback . Federally-related mortgage loans . . Prohibitions 7004, 7079 Knowingly commits a violation of the securities laws . Definition 9258.05 Knows, knowing, or knowledge . Definition 2166.21, 8302, 8670, 9261, 9265, 9268 Labor organization . Definition 8531 Land development loan . Definition 3184 Larceny and embezzlement . Criminal laws and procedures 8285 . Examiners 8286 . FDI Act, section 19 . . Pardon 4862 . Registered investment company 9338.01 Large customers . Definition 3162.07 Large deposits . Funds availability . . Exceptions 7418.03, 7418.56 . Safeguards . . Delayed availability of funds 7428.01 Large institution . Definition 2290 Large trader . Broker or dealer in securities . . Recordkeeping requirement 9211 . . Securities and Exchange Commission 9211 . Definition 9212 Large United States business . Definition 2857 Late payment charges . Credit other than open end . . Disclosure requirements 6588.02, 6665, 6954.01 . Federally-related mortgage loans . . Residential mobile home 9530 . FRB's Regulation Z 6646 . . Finance charges 6891 . Unfair or deceptive acts or practices . . Collecting a debt 7412, 7412.13 Law enforcement inquiry . Definition 7091 . Financial record . . Administrative subpoena and summons 7093 . Freedom of Information Act . . Confidentiality of record 8027 Law firms . Insurance coverage . . Trust account 4575, 4633, 4984.30 Lead insured depository institutions . Definition 6028, 6086 Lease . Definition 5416 Lease amendment . Definition 5416 Lease transactions SEE ALSO Allowance for loan and lease losses OR Consumer leases OR Sale leaseback transaction . Bank holding company . . Permissible activities 6110.03 . . Transactions with affiliates 4937 . FDIC Statement of Policy 5413 . . Lessor integrity 5415 . Securities and Exchange Commission 9186.04 . Truth in Lending Act, chapter 5 requirements . . Oklahoma 6976 Least-cost resolution . FDIC 3083 . . Financial assistance 1220 . FDIC Improvement Act of 1991 . . Early resolution 8550.01 Legal fees . FDIC Statement of Policy . . Application procedure 5145 Legal Intern Applicant System SEE Attorney--Legal Intern Applicant System Legal proceedings SEE ALSO Court proceedings OR Proceedings . Directors and officers liability . . FDIC Statement of Policy 5369 . Fair Debt Collection Practices Act . . Debt collection 6622, 6624.18 . Insurance coverage . . Class action lawsuits 4667 . Securities litigation . . Class action 8994.02, 9258, 9258.16 Legal services . Definition 3089 . Interlocking relationship . . Management official 4645 . Minority and women outreach program 3089 Lend . Definition 9288 Lender . Definition 6993, 7498, 7761, 9535 Lending limit SEE ALSO Aggregate lending limit . Definition 7643 . Edge Corporation 7628.01 . Foreign banks and banking 7628.19 . FRB's Regulation O . . Collateral requirements 4364 . . Divestiture 4061, 4066 . . FDIC Improvement Act of 1991 4636, 4641, 4642, 4644, 4646 . . Loans or extensions of credit to affiliates 4288 Lending limits of the Comptroller of the Currency . Calculations 9393 . Combination rules . . Loans to associations 9394 . . Loans to corporations 9394 . . Loans to foreign governments 9394 . . Loans to joint ventures 9394 . . Loans to partnerships 9394 . . Restructured loan 9395 . Exceptions . . Bankers' acceptances 9391 . . Discount of commercial or business paper 9391 . . Discount of instalment consumer paper 9391 . . General obligations of a state or political subdivision 9392 . . Loans secured by bills of lading or warehouse receipts 9389 . . Loans secured by livestock or dairy cattle 9390 . . Loans secured by segregated deposit accounts 9392 . . Loans secured by U.S. obligations 9391 . . Loans to complete project financing 9391 . . Loans to financial institutions with approval of the Comptroller 9392 . . Loans to industrial development authorities 9392 . . Loans to leasing companies 9393 . . Loans to student loan marketing association 9392 . . United States government guaranteed loans 9391 . Nonconforming loans 9396 Lessee . Definition 6592, 6686 Lessor . Definition 5416, 6592, 6686 Lessor's affiliate . Definition 5416 Letter of credit SEE Collateralized letters of credit OR Standby letter of credit Level of margin SEE Margin level Leverage capital . Capital adequacy 1432 . . Directives 2249 . . Minimum requirements 2246, 2262.07 . . Small business loans 2262.06-B, 6120.07 . Insured depository institutions . . Unsafe or unsound practices or conditions 2246 . Merger transactions 2246 Leverage measure SEE ALSO Highly leveraged transactions . Capital adequacy . . Guidelines 6120.26 Leverage ratio . Definition 2243, 7586.34 Liabilities SEE ALSO Civil liability OR Consumer liabilities OR Creditor liabilities OR Deposit liabilities OR Directors and officers liability . Bondholder . . FDIC receiver or conservator 4520 . Closed insured depository institutions . . Payment of insured deposit 1207 . Commonly controlled depository institutions . . Adjudicatory proceedings 2166.06 . . Cross-guaranties 5327 . . Exemptions . . FDIC Statement of Policy 5327 . . Losses . Controlling person . . Investment Company Act of 1940 9343, 9354 . Credit other than open end . . Disclosure requirements 6588.02 . Electronic fund transfers . . Financial institutions 6632 . Falsification of book, record, report, account, or statement 8990 . . Registered securities 9240.04 . . Securities Exchange Act of 1934 9240.04 . Federal savings associations . . Office of Thrift Supervision, Director 8700 . FRB's Regulation CC 7418.22, 7418.94 . Paying banks . . Checks returned 7418.94 . Registered securities . . Annual report to shareholders requirement 9239 . Truth in Lending Act . . Credit card 6588.02 . Unauthorized electronic fund transfers . . Limitations 7364.01, 7395 Liability or legal expense . Definition 1266, 3082 License . Administrative procedure . . Sanction 8049 . Definition 8023 Licensing . Appraisers . . Requirements 8590.02 . . Waiver 8590.22 . Definition 8023 Licensing authority . Definition 7628.06 Lifeline accounts . Assessment base 2288 . Definition 8550.04 . FDIC Improvement Act of 1991 . . Bank Enterprise Act of 1991 8550.03 . Insured depository institutions . . Community development financial institution fund 8885 . . Condition report 1113 Limited branch . Definition 7628.06 Limited liability companies . Definition 8181, 8708 . Filing procedures 2053 . Insurance coverage . . Certificate of deposit 4984.65, 4984.88 . Insured state banks . . Equity investments 4903, 4906 Limited partnership roll up transaction . Definition 9216 . Proxy solicitation 9216 . Registration 9187 . Tender offer 9216, 9227 Limited partnerships . Banking Affiliates Act of 1982 4743 . Commonly controlled depository institutions . . Liabilities . Insured state banks . . Equity investments 4632 Limited purpose banks . CRA . . Performance tests and standards 2786.06, 2786.19 . Credit card banks . . Foreign bank subsidiaries 6041 . Definition 2786.02 Line of credit . FRB's Regulation O 4086 . . Insider transactions 4086, 4889 . Real estate . . Appraisals 4525 . Reporting requirements 4910 Liquidation SEE Assets liquidation OR Assumption of deposits OR Receivership and liquidation OR Unclaimed deposits OR Voluntary liquidation Liquidation fees, expenses, and compensation . FDIC receiver or conservator . . Insured depository institutions 1207 Liquidity facility . Definition 2262.02, 6120.03 Listing service . Definition 4984.63 . Deposit broker 4984.63, 4984.90 Litigation SEE Legal proceedings Living trust accounts SEE Revocable trust account Loan agreements . Definition 7628.25 Loan and credit applications . Consumer credit practices 7213, 7215, 7216 . . Administrative enforcement 4214, 7223, 7255 . . Adverse action 6610.48, 7218 . . Advertising 7213 . . Appraisal reports 7215 . . Business credit 7218 . . Cosigner 7216 . . Counteroffers 7218 . . Credit history 7215 . . Credit information 7213, 7254 . . Credit life, accident, or health insurance 7217 . . Disclosure of information 7218, 7219, 7220 . . Discouraging applications 7213, 7248 . . Discriminatory practices 7209, 7213, 7215, 7216, 7248 . . Evaluation 7215, 7216 . . Fees or charges 6646 . . Forms and instructions 7218, 7235, 7262 . . Incomplete application 7218, 7254 . . Notification of action 7218, 7219, 7235, 7254 . . Records maintenance and retention 4828, 7221, 7255 . . Telephone listing 7215 . . Unsecured credit . . Withdrawn application 7219 . . Written application 7214, 7247 Loan application register SEE Form FR HMDA-LAR Loan/Application Register Loan ceilings . Spousal information 7220 Loan commitment . Definition 4438 . Examination report . . Loans or extensions of credit 4438 Loan documentation . FDIC Statement of Policy . . Small business or farm 5373 . Safe and sound banking practices . . Standards 1455 Loan fees . Finance charges . . FRB's Regulation Z 6646 Loan location . Definition 2786.02 Loan loss amortization . Agricultural banks . . Procedure Loan origination . Definition 3184 . Out-of-state bank . . Interest rates limitation and regulation 4984.67 Loan originator . Definition 6993 Loan participations . Appraisals . . Nonrecourse financing 4572 . Federal funds transactions . . Interdepository institutions 7586.16 . Guarantee the obligations of third parties . . Powers inconsistent with FDI Act 4050 . Offsets . . Receiver 4159 . Transactions with affiliates . . Low-quality asset 4351 Loan production office . Definition 2786.02 . Domestic branch 4955 Loan servicing SEE ALSO Mortgage servicing rights . Disclosure to applicant . . Transfer 7013, 7074 . Federally-related mortgage loans . . Deposit broker 4689 . . Notice by transferee 7023, 7076 . . Notice by transferor 7075 . . RESPA 7074 . Mortgage servicing rights . . Deposit broker 4696 Loan strip participations SEE Short-term loans Loan-to-value . Definition 3184 Loan-to-value ratio . Definition 3184 . Real property loan . . Exceptions 3182, 3183 . . Guidelines 3181 . . Housing for older people 4789 . . Low-income housing 4789 Loan value SEE Maximum loan value Loans . Definition 8545, 8704, 8714, 9527 Loans from Treasury . FDIC . . Borrowing authority 1233 . . Deposit insurance 1233 . . Powers 1233, 1239 . . Public debt transaction 1233 Loans or extensions of credit SEE ALSO Agricultural loans OR Construction loans OR Educational loans OR Federally-related loans OR Foreign loan OR Home improvement loan OR International loan OR Preferential loans OR Real property loan OR Restructured loan OR Short-term loans OR Special purpose credit OR Student loan OR United States government guaranteed loans . Appraisals . . Real estate 4529 . . Renewal exemption 4507 . Collateral requirements . . Lending limit 4364 . Covered transaction . . Calculations 4288 . Criminal laws and procedures . . Coins as security 8284 . . Falsification of book, record, report, account, or statement 8294, 8295 . Definition 2847, 3183, 7613, 7628.02, 9386 . Discriminatory practices . . Joint Statement of Policy 5397 . Edge Corporation . . Lending limit 7628.01 . Examination report . . Loan commitment 4438 . FDIC Statement of Policy . . Small business or farm 5373 . . Subprime lending 5479 . Federal savings associations . . Office of Thrift Supervision, Director 8701 . Financial Institutions Regulatory and Interest Rate Control Act of 1978 (FIRA) or (FIRIRCA) . . Voting trust 4018 . Foreign activities 2848 . Foreign branches . . Powers 7614 . FRB's Regulation K . . Powers 7614 . FRB's Regulation U . . Purpose credit 7762 . Guarantee . . Servicing activity 4054 . Guarantee the obligations of third parties . . Warranties 4205 . Insider transactions 1264, 2638, 4156, 4157, 4649, 4670, 4696, 4920, 7512.04, 7644 . . Aggregate lending limit 4020, 4023, 7512.06 . . Correspondent banks 4021, 4034, 4046, 7651 . . Educational loans 7512.04 . . Executive officer 4032 . . FRB member banks 7512.04, 7512.05 . . Grandfather provisions 4634, 4687, 7648.01 . . Home equity plans 4687 . . Interpretations 7656.10, 7656.13 . . Limitations 2638, 4083, 4636, 4641, 4642, 4644, 4646 . . Line of credit 4086 . . Majority vote requirement 4083 . . Mortgage loan 7512.04 . . Outstanding credit 7648.01 . . Overdrafts 7512.06 . . Partnership 4649, 7512.05 . . Preferential loans 7512.04, 7512.05 . . Presumption of control 4049 . . Principal stockholder 4035 . . Prior approval 4020, 7512.06 . . Protection of bank 4121, 7512.05 . . Refinancing 4649, 4779 . . Related interest 4023, 4032, 4035, 4096, 4416, 4710, 7512.05 . . Renegotiation or extension 4102 . . Reports and reporting requirements 7512.05, 7651 . . Sale leaseback transaction 4247 . Insured banks . . Employee stock ownership plan 4449 . . Unit investment trust 4188 . Interest rates limitation and regulation . . Business or agricultural loan 8545 . . FDIC General Counsel's opinion 5548 . . Insured branches 1339 . . Insured depository institutions 1339 . . Interstate transactions 4649, 4751 . International banking facility . . International banking facility deposit 7586.05 . Investment Company Act of 1940 . . Business development company 9353 . . Registered management company 9318 . National banks . . Lending limits of the Comptroller of the Currency 9385 . National securities exchange . . Prohibitions 9194.04-B . Out-of-state customer . . State usury laws 4134, 4345, 4984.67 . Principal shareholder . . Collection of information 4149 . . Reports and reporting requirements 4149 . Savings associations . . Insider transactions 8740.07 . . Limitations 8720 . Securities transactions . . Margin requirements 9189 . Senior executive officer . . Demand feature 4678 . . Federal Reserve Act, section 22(g) 4687 . . Grandfather provisions 4634, 4687 . . Guarantee the obligations of third parties 4673 . . Home equity plans 4687 . Surety business . . HUD 4198 . Truth in Lending Act . . Exemptions 6569 . . Good faith estimate 6588.03 . Tying arrangements 4958 . Unfair or deceptive acts or practices 7410 Loans or extensions of credit to affiliates . Attribution rule 4976 . Bank holding company . . Loans secured by bank shares 4849 . . Notes, bonds, debentures, or obligations 4499 . Collateral 4608 . Covered transaction . . Capital 4539 . Foreign banks and banking 4076 . FRB's Regulation O . . Covered transaction 4442 . . Divestiture 4066 . . Lending limit 4288 . . Limitations 4084 . . Line of credit 4086 . . Prior approval 4096 . . Prohibited transactions 4096 . . Related interest 4096 . . Transactions with affiliates 4442 . Mortgage banking affiliates 4404, 4750 . Restrictions 1264 . Violation . . Civil money penalties 6062 . . Control 4413 . . Correspondent account 6062 . . Employee compensation 4587 . . Repurchase 4291 . . Tying arrangements 6061 Loans originated by . Definition 9536 Loans secured by a lien on real property . Definition 9536 . RESPA . . Rule making 7057 Loans secured by bank shares . Bank holding company . . Loans or extensions of credit to affiliates 4849 . Insider transactions . . Reports and reporting requirements 4845, 7651 Loans secured by first liens on real estate . Definition 9528 Loans secured by first liens on residential manufactured homes . Definition 9528, 9536 Loans secured by first liens on stock in a residential cooperative housing corporation . Definition 9528, 9536 Loans secured by improved real estate . Appraisal reports 7247 . Special flood hazard 2663 . . Federal disaster relief assistance 2664.02 . . National flood insurance program 2663 Loans secured by principal dwelling . Application . . Appraisal reports 7215 . . Open end credit 6586 . Home equity plans . . Advertising 6588.15 . . Disclosure requirements 6586, 6670.01 . . Open end credit 6586, 6652, 6902.01 . . Prohibitions 6670.02 Loans to finance securities transactions . Delegated authority . . Federal Reserve banks 6197 Loans to insiders SEE Insider indebtedness Local checks . Definition 7416, 7418.44 . FRB's Regulation CC . . Funds availability 7418.03 Local community . CRA 2786.10 Local government . Definition 8822.27 Local government checks . FRB's Regulation CC . . Funds availability 7418.03 . . Next-day availability 7418.03, 7418.50 Local laws . Insurance coverage . . Determination 2353 Local originating depository institution . Definition 7424 Local paying banks . Definition 7416, 7418.45 Local rules . Definition 2128 location information . Definition 6618, 6624.08 Lock box account . Insurance coverage 4220 Logo SEE Common name or logo OR Eagle logo OR Official sign Long-term debt issuer rating . Definition 2290 Loss given default . Definition 2262.31, 6120.53 Losses SEE ALSO Allowance for loan and lease losses OR Credit loss insurance OR Loan loss amortization . Commonly controlled depository institutions . . Liabilities . Definition 1475 Lost or stolen securities SEE Missing, lost, counterfeit, or stolen securities Lost securityholders . Definition 9440.03 . Transfer agents 9440.03 Lottery SEE ALSO Gambling, betting, lotteries . Definition 1297, 8698 . Insured state nonmember banks 1297 Lottery ticket . Definition 1297, 8698.01 Low- or moderate-income area . Definition 1502, 2866 Low-income . Definition 2786.01, 8873 Low income area . Interlocking relationship . . Management official 4075, 4090 Low-income housing SEE ALSO Affordable housing program . Federal National Mortgage Association . . Minority-owned depository institutions 4729 . Home mortgage loan . . Counseling 8740.51 . Insured state banks . . Equity investments 1321, 3120, 3140 . Loan-to-value ratio . . Construction loans 4789 . Secretary of Housing and Urban Development . . Report to Congress 8740.52 Low-income person . Definition Low-quality asset . Definition 3124.03, 7512.08, 7787 . Transactions with affiliates . . FRB member banks 7791 . . Sale of loan participations 4351 Lower income . Definition 1322, 3120, 3133 Lower-income families . Affordable housing program . . FDIC 1475 . Definition 1487 Lump sum method . Definition 5049 Lump sum-payment reduction method . Definition 5049 Made available . Definition 9433 Magnetic ink character recognition line and MICR line . Definition 7418 Mail or telephone . Charge card . . Application 6581 . Credit other than open end . . Disclosure requirements 6588.03, 6944 . Criminal laws and procedures . . Fraudulent and manipulative practices 8297 . Unregistered securities . . Securities transactions 8984.01 Mailing list . Privacy Act of 1974 . . Individual 8036.01 Main index . Definition 2262.32, 6120.54 Maine . Truth in Lending Act requirements . . Exemptions 6975 Maintain . Definition 2188, 8029, 8590.51, 9296 Major federal action . Definition 5185 Majority-owned subsidiary . Definition 2857, 3119, 9288 Makes . Definition 2166.21 Making available significant managerial assistance . Definition 9291 Management characteristics . Applications for insurance . . Banking factors 1093, 1105, 6095 Management company SEE ALSO Registered management company . Definition 9298 . Investment Company Act of 1940 Management consulting to depository institutions . Bank holding company . . Banking related activities . Interlocking relationship . . Advisory director 4099 . . Honorary director 4099 Management fees . Definition 2243 . Undercapitalized insured depository institution . . Limitations 1433 Management official SEE ALSO Insider OR Interlocking relationship OR Senior executive officer . Acquisition of control . . Stock ownership 4070 . Advisory director . . Honorary director 4056, 4062 . Affiliates . . Beneficial ownership 4029 . . Depository Institution Management Interlocks Act 4029 . Change in Bank Control Act of 1978 . . Violation of law, rule, or regulation 4080 . Criminal laws and procedures 8286, 8293 . . Transactions without authority 8293 . Definition 2866, 3207, 4056, 6086, 8592 . Delegated authority . . Federal Reserve banks 6193 . . FRB Division of Banking Supervision and Regulation Director 6186 . Financial institutions . . Advisory boards 4028 . . Corporators 4028 . FRB's Regulation O . . Preferential loans 4049 . Insured state nonmember banks . . Unaffiliated nondeposit subsidiaries 4567 . Interlocking official 2865, 8593 . . Affiliates 4036 . . Independent public accountant 4022 . . Savings and loan holding company 8593 . Interlocking relationship . . Advisory director 4121 . . Change in Bank Control Act of 1978 4059 . . Change in circumstances 4090 . . Conditions endangering safety or soundness 4096, 4125, 4150 . . Family relationship 4052 . . Legal services 4645 . . Low income area 4075, 4090 . . Newly-chartered organization 4117, 4130 . . Prohibitions 4185 . . Representative or nominee 4031, 4048, 4052, 4056, 4062, 4166, 4176, 4511, 4917 . . Stock ownership 4070 . . Voting trust 4048 . Savings and loan holding company . . Dual service 8593 . . Federal depository institutions regulatory agency 8593, 8594 . . Savings associations 8594 Management official interlock SEE Depository Institution Management Interlocks Act OR Interlocking relationship Management responsibilities . FDIC Statement of Policy 5369 . Insured depository institutions . . Audit 1419 Managerial employee . Definition 6993 Mandate . Definition 8554 Mandatory convertible debt . Bank holding company . . Primary capital 6120.22 . Capital adequacy . . Insured state nonmember banks 2262.11 Mandatory convertible debt securities . Definition 6117 Manufactured home . Definition 6993, 7273, 7290 Manufactured home loan . Definition 9213 Margin . Definition 9186.01 Margin account . FRB's Regulation T 7662 . Insurance coverage . . Clearing agency 4200 Margin call . Definition 7659 Margin deficiency . Definition 7659 Margin equity security . Definition 7659 Margin excess . Definition 7659 Margin level . Definition 9186.01 Margin requirements . FDIC Statement of Policy . . Repurchase agreements 5268 . FRB's Regulation T . . Margin security 7670 . FRB's Regulation X 7842 . Securities transactions 9189 . . Loans or extensions of credit 9190 . Security futures products 9190 Margin security SEE ALSO Foreign margin stock . Definition 7659 . FRB's Regulation T . . Margin requirements 7670 Margin stock SEE ALSO Foreign margin stock OR OTC margin stock . Definition 7762 . Delegated authority . . FRB Division of Banking Supervision and Regulation Director 6190.01 . Extensions of credit 7771, 7776 . . Restrictions 7759 . FRB's Regulation U 7759 . . Employee stock ownership plan 7764, 7773, 7778, 7779 . . Exemptions 7766 . . Forms and instructions 7762 . . Good faith 7764, 7768, 7775 . . Joint venture 7770 . . Maximum loan value 7765 . . Purpose statement 7763, 7767, 7774, 7777 . . Single credit rule 7763 . . Special purpose loan 7765, 7769 Marital status SEE ALSO Spousal information . Consumer credit practices . . Exceptions 7216, 7248 . . Open end credit 7250 . Definition 7212 Market intermediary . Definition 9294 Market maker . Definition 9180 Market risk . Capital adequacy . . Bank holding company 6120.28 . . Calculations 2262.13 . Definition 2262.14, 6120.29 Market value SEE ALSO Current market value OR Net realizable market value . Capital adequacy . . Intangible assets 6119 . . Mortgage servicing assets 2248, 6119 . . Purchased credit card relationships 6119 . Definition 2240, 6110.20 . Securities 7661 Market volatility . Securities and Exchange Commission . . Fraudulent and manipulative practices 9194.01 Market-wide trading suspension . Definition 9404 Married applicants SEE Spousal information Massachusetts . Truth in Lending Act requirements . . Exemptions 6976 Master securityholder file . Definition 9438.02 . Transfer agent . . Records maintenance and retention 9438.01, 9438.02-A, 9438.04 . . Reports and reporting requirements 9438.04 Master servicer . Definition 7021 Matching program . Definition 8030 . New systems . . Reports and reporting requirements 8036.03 . Privacy Act of 1974 . . Confirmation requirement 8036.02 . . Data integrity board 8036.03 . . Sanction 8036.03 . . System of records 8036.01 . . Verification 8036.03 Material changes . Tender offer . . Position of subject company 9430.01 Material disclosures . Definition 6567, 6658 Material fact . Definition 3207 Material supervisory determinations . Definition 8890.14 Maturity . Time deposits . . Disclosure requirements 7433 . . Model clauses 7444.01 . . Payment before maturity 4342 Maximum amount of indebtedness . Definition 7652 Maximum loan value . Definition 7762 . FRB's Regulation U . . Margin stock 7766 McFadden Act . Foreign banks and banking . . Report 8798.01 Mean trading price . Definition 9258.03 Means or instrumentality of interstate commerce . Definition 9288, 9364 Medical information . Consumer reporting agencies 6610.01 . Definition 2410, 6603, 7188 . Fair credit reporting 2410 . . Disclosure of information 2414.01 Medical records . Privacy Act of 1974 . . Disclosure to individual 2189, 8590.53 Medical savings accounts . Insurance coverage 4984.31 Meeting SEE ALSO Closed meeting OR Open to public observation . Definition 2227, 8040 . Open meeting . . Public observation 2228, 8040 . Sunshine Act . . Public announcement 2229, 2230, 8041 . . Transcript 8042 Meeting closed to public observation SEE Closed meeting Member . Definition 2227, 8040 . Neighborhood Reinvestment Corporation . . Chairman of FDIC Board of Directors 8762 Member bank SEE ALSO FRB member banks . Definition 7512.06-A, 7644, 7787 Member of FDIC . Bank holding company . . Subsidiaries 6031 . FDIC . . Advertising 2299, 4623 . . Official statement 2299 Member of immediate family . Definition 9287 Member of national securities exchange . Definition 9174 . Securities Exchange Act of 1934 . Trading . . Securities transactions 9194.04-B Member of registered securities association . Definition 9174 . Person associated with . . Definition 9176.04 Merchant banking investments . Financial holding companies . . Cross marketing 6110.28-S . . Portfolio company 6110.28-M . Internal controls 6110.28-R . Recordkeeping requirement 6110.28-R Merger . Definition 2296.01 Merger transactions SEE ALSO Consolidation OR Interstate merger transactions OR Phantom merger . Adjusted attributable deposit amount . . Branch deposits 4945 . Annual report to Congress . . Bases for merger transactions 1259 . Antitrust laws 1259 . Application 2058 . Appropriate federal banking agency . . Stock conversion approval 1259 . Assessment . . Payment of assessment 2296.01 . Assumption of deposits . . Insured banks 2109 . Attorney General 1258 . Bank holding company . . FRB prior approval 6028, 6092 . . Limitations 1223 . Banks in danger of failing 1258 . Brokered deposits 4984.50 . Capital adequacy 2246 . Community convenience and needs 1258 . Competitive factor report 1258 . Conversion transactions 1097 . . Affiliates 4444 . . Insurance fees 1095 . . Oakar bank 4538, 4901 . . Savings Association Insurance Fund (SAIF) 4444 . . Savings associations 1095, 4477 . Definition 1517, 2058, 7416, 7418.45 . Delegated authority . . Emergency 6187 . . Federal Reserve banks 6187, 6192 . . FRB Division of Supervision and Regulation Staff Director 6187 . . FRB General Counsel 6185 . Deposits not assumed . . Notice to depositors 2109 . District banks . . Comptroller of the Currency 1258 . Emergency 1258 . . Assistance . . Branch establishment, operation, or relocation 1231 . . Dual service . . Economically depressed region 1232 . . Savings associations . . State supervisory authority 1231 . FDIC . . Competitive factor report 1258 . . Insured nonmember banks 1258 . . Limitations 1222.01 . FDIC receiver or conservator . . Powers 1188.07 . FDIC Statement of Policy 5145 . Financial assistance . . Insured depository institutions 1219 . Foreign banks and banking . . Interstate banking 4982, 7628.06 . . United States location 1260 . FRB's Regulation CC . . Check collection 7418.22-B, 7418.105 . . Depositary banks 7418.12 . FRB's Regulation D . . Reserve requirements 7586.01 . Insurance coverage 1087 . . Certificate of deposit 4675, 4900 . . Corporation account 4377 . . Demand deposits 4599 . . Deposits 2354, 4308, 4371, 4599 . . Individual retirement account 4552 . . Noninsured institutions 1087 . . Pension plan 4502 . . Savings banks 4502 . . Separate coverage 4595 . . Time deposits 4308, 4599, 4822 . Judicial review . . Antitrust actions 1259 . Monopoly 1258 . National banks . . Comptroller of the Currency 1258 . Notice of proposed transaction 1258, 2060 . . Insured federal savings banks 4306 . . Publication 1258, 4524 . . Savings and loan associations 4306 . Savings associations . . Application 8740.06 . . Office of Thrift Supervision 1257 . Securities Exchange Act of 1934, section 16 exemption . . Securities transactions 9432.13 Meritorius claims . Definition 9781 Metropolitan area . Definition 6988.29, 7273 Metropolitan division . Definition 2786.02 Metropolitan statistical area SEE MSA . Definition 7273 Microfilm . Registered transfer agent . . Records maintenance and retention 9438 Micrographic media . Definition 9438 Middle-income . Definition 2786.01 Military community . CRA 2786.10 . Foreign branches (of U.S. banks) . . Insurance coverage 4974 Minimum supervisory ratio . Bank holding company . . Capital ratios 6120.16-A . Risk assets 2262.06-M Minorities and women . CRA . . Branches 6988.29 Minority . Definition 1226, 3089, 5329, 6988.29 Minority and women outreach program . FDIC . . Contract 3089 . . Monitoring 3089 . Guidelines 3089 . Reports and reporting requirements . . FDIC Office of Diversity and Economic Opportunity 3089 Minority and/or women-owned business . Joint venture . . FDIC 3089 . Minority and women outreach program 3089 Minority banks . Definition 1226 Minority depository institutions . Definition 5329, 6988.29 Minority interests in consolidated subsidiaries . Definition 2243 Minority organization . Closed insured depository institutions . . Financial assistance 1224 . Emergency . . Acquisition of control 1231 . . Merger transactions 1231 . Insurance coverage . . Merger transactions 4300 . Interlocking relationship . . Depository institutions 4105 . . Exempt organization 4147 Minority-owned depository institutions . FDIC Statement of Policy 5329 . Federal National Mortgage Association . . Insured deposits 4729 Minutes SEE ALSO Transcript . Sunshine Act . . Closed meeting 2231 Misapplication of funds . Correspondent account . . Compensating balances 4042 . . Extensions of credit 4021 Misrouted . Depositary banks . . Checks returned 7418.15, 7418.89 Missing, lost, counterfeit, or stolen securities SEE ALSO Robbery and incidental crimes . Definition . FDIC . . Enforcement agency for insured nonmember banks 9234.01 . Form X-17F-1A (SEC) . . Recordkeeping requirement 9442.01 . . Recovery 9439 . . Reports and reporting requirements 9442.01 . Inquiries 9440 . . Exemptions 9442.01 . . Reporting institution 9442 . Registered transfer agent . . FDIC 9440 . . Reporting institution 9440 . Registration . . Securities information center 9440 . Reports and reporting requirements 9440.03 . . Exemptions 9442.01 . . Securities and Exchange Commission 9442 . Securities and Exchange Commission . . Insured nonmember banks 9234.01 . . Registered securities 9233 Mississippi . Truth in Lending Act requirements . . Preemption 6973 Missouri . Truth in Lending Act requirements . . Preemption 6973 Mobile home SEE ALSO Residential mobile home . Definition 2663 Moderate-income . Definition 2786.01 Moderate-income person . Definition Modification . Definition Monetary Control Act of 1980 . Act 8537 . Depository Institutions Deregulation and Monetary Control Act of 1980 8537 Monetary default . Definition 5197 Monetary instruments . Definition 8303, 8382, 8484.02 . Reproduction 8508 Monetary instruments transactions SEE ALSO Money laundering OR Report of International Transportation of Currency or Monetary Instruments . Bank Secrecy Act . . Compliance 2265 . Compliance . . Cease-and-desist order 1148 . . Court injunctions 8398 . . Examination report 1148 . . Records maintenance and retention 1148 . . Reporting of certain cross-border transmittals of funds 8394 . Criminal, tax or regulatory investigation or proceeding . . Records maintenance and retention 1304, 8381 . . Summons 8514 . . Witnesses 8516 . Export and import of monetary instruments . . Closely related events 8387 . Financial recordkeeping and reporting of currency and foreign transactions 1303, 8177, 8385 . Forfeiture . . Civil 8387 . . Criminal 8387 . Money laundering . . Civil money penalties 8301 . Money transmitting business . . Registration 8405 . Reports and reporting requirements 1303, 8398 . . Secretary of the Treasury 8388 . . Structure (structuring) 8402 . Rewards . . Informants 8402, 8513 . Search and seizure 8387 . Secretary of the Treasury . . Powers 8388 . Structured transactions 8513 . Violation . . Civil money penalties 8399 . . Criminal penalties 8401 Monetary transactions . Definition 8306 . Reporting of certain cross-border transmittals of funds 8394 . Special measures for jurisdictions, financial institutions, or international transactions of primary money laundering concern Money laundering . Anti-money laundering programs 5148, 8390, 8516.06-C . . Credit card 8516.08-N . . Money services business 8516.08-I . Definition 8516.04 . Foreign activities . . Suspicious activities 8394 . Improved detection 8890.18 . Termination of insurance . . Insured state depository institutions 1151 . Terrorist activities 8516.04 . . Certification 8516.05 . Unlawful practices . . Penalties 8301, 8304, 8722 Money Laundering Control Act of 1986 SEE ALSO Monetary instruments transactions . Act 8301 Money Laundering Suppression Act of 1994 . Act 8890.18 Money market account . Sample form 7450 . . Advertising 7453 . . Disclosure requirements 7450 Money market instruments . Bank holding company . . Statement of policy . Insurance coverage . . United States security 4535 Money market mutual funds . Checking accounts . . Sweep accounts 4984.33 . Definition 7660 . FRB's Regulation D . . Retail repurchase agreements 7586.14 Money orders, savings bonds, and travelers checks . Financial institutions . . Records maintenance and retention 8498 . FRB's Regulation CC . . Funds availability 7418.03, 7418.50 . Insurance coverage . . Trustee 4535 . Insured state nonmember banks . . Guarantee the obligations of third parties 4104 Money services business . Anti-money laundering programs 8516.07 . Definition 8486, 8516.07 . Registration 8505 . . List of agents 8506 Money transmitting business . Definition 8406 . Monetary instruments transactions . . Registration 8405 Money transmitting service . Definition 8406 Monitoring office . Definition 9715 Monopoly . Merger transactions . . Competitive factor report 1258 Mortgage . Definition 6568 Mortgage-backed securities . Federal savings associations . . Equity investments 4930 . Insured nonmember banks . . Affiliates 4287 . Risk-based capital 6120.04 Mortgage banking affiliates . Loans or extensions of credit to affiliates 4404, 4750 Mortgage broker . Definition 6670.04-K, 6993 . Real estate . . Appraisals 4593 Mortgage company . Bank holding company . . Acquisition of bank shares or assets Mortgage foreclosure proceedings . FDIC . . Emergency Homeowners' Relief Act 8547 . Federally-related mortgage loans . . Residential mobile home 9531 . Receivership and liquidation . . Consent of FDIC 5359 Mortgage life insurance SEE Credit life, accident, or health insurance Mortgage loan SEE ALSO Adjustable rate mortgages OR Federally related mortgage loans OR Home mortgage OR Loans secured by principal dwelling OR Real property loan OR Reverse mortgage OR Wrap-around mortgages . Definition 7301 . Prohibited practices Mortgage Loan/Application Register SEE Form FR HMDA-LAR Loan/Application Register Mortgage pools . Insurance coverage . . Trust funds 4162 Mortgage portfolio study . Interagency task force . . Powers of thrift institutions 8538 Mortgage related security . Definition 9182 Mortgage servicer cash advance . Definition 2262.03, 6120.03 Mortgage servicing account . Deposit account records . . Recordkeeping requirement 4572 . Federally-related mortgage loans . . Damages 7077 . . Effect on state laws 7078 . . Inquiries 7076 . Insurance coverage 4823 . . Beneficial ownership 4563 . . Custodial account 2356, 4408, 4909, 4928 . . FDIC Improvement Act of 1991 4774 . . Passthrough accounts 4491, 4984.44 . . Recordkeeping requirement 4472, 4563 Mortgage servicing assets . Definition 2243 . Tier 1 capital 2248 Mortgage servicing loan . Definition 7021 Mortgage servicing rights SEE ALSO Federally related mortgage loans . Assets 4333, 4375 . Capital adequacy . . Risk-based capital 6119 . Deposit broker 4689 . . Federally-related mortgage loans 4689 . . Investment adviser 4696 Mortgage usury laws . State usury laws . . Preemption of state lending restrictions 8539 Mortgaged property . Definition 6993 Mortgages SEE Adjustable rate mortgages OR Federally related mortgage loans OR Home mortgage OR Reverse mortgage OR Wrap-around mortgages Most favored lender . Interest rates limitation and regulation . . Deposits 4063 . . Insured nonmember banks 4063 Motor vehicle loans . Definition 2786.01 MSA . Definition 2786.02, 7273 Multibank deposits . Insurance coverage . . Deposits 4221, 4222, 4223, 4285 Multilateral clearing organization . Definition 8550.28 Multilateral development bank . Definition 2262.32, 6120.54 Multiple accounts . Disclosure requirements . . FRB's Regulation CC 7418.09, 7418.65 . . Sample forms 7445 . Insurance coverage . . Corporation account 4187, 4927 . . Public unit account 4171, 4174, 4175, 4179, 4182, 4185, 4192 . . Rights and capacities 4917 . Reserve requirements . . Interpretations 7586.21 Multiple rate account . Definition Multiple savings and loan holding company . Definition 8726 Municipal bonds . Passthrough accounts . . FDIC General Counsel's opinion 5521 . . Insurance coverage 4346, 4367, 5524 . . Records maintenance and retention 5521 Municipal securities . Definition 2757, 7787, 9178, 9185 Municipal securities broker . Definition 9178 Municipal securities dealer SEE ALSO Broker or dealer in securities OR Government securities broker or dealer OR Registered broker or dealer OR Registered government securities broker or dealer OR Registered municipal securities dealer OR Unregulated securities dealer . Adjudicatory proceedings . . Clearing agency 2160.03 . . Transfer agent 2160.03 . Definition 9178 . Delegated authority . . FRB Division of Banking Supervision and Regulation Director 6190 . Insured state nonmember banks . Person associated with . . Definition 9178 . Registration . . Municipal securities transactions 9228.02-B . Risks . . Disclosure requirements 9234.01 . . Reports and reporting requirements 9234.01 . Sanction . . Adjudicatory proceedings 2160.03 . . Decision 2163 . . Effective date 2161 . . Exemptions 2162 . . Hearing 2162 . . Newspaper notice 2162 . . Notice 2162 . . Securities and Exchange Commission 2161 . Securities transactions . . Records maintenance and retention 9232 Municipal securities investment portfolio . Definition 9178 Municipal Securities Rulemaking Board . Municipal securities transactions . . Records maintenance and retention 9232 . . Reports and reporting requirements 9228.06 . Willful violation . . Civil money penalties 9254 Municipal securities transactions . Municipal securities dealer 9228.02-B . Municipal Securities Rulemaking Board 9228.02-B1 . . Reports and reporting requirements 9228.06 Mutilation . Criminal laws and procedures . . Bank obligations 8284 Mutual association . Definition 8740.04 Mutual fund . Definition 8516.16-D Mutual funds SEE ALSO Money market mutual funds . Brokerage service . . Insured state nonmember banks 4684 . . Subsidiaries 4236, 4249 . Customer identification program 8516.08-J . Definition 8516.08, 8516.08-J . Permissible investments . . Insured state banks 4729 . Trust account . . Separate accounts 4365 Mutual holding company . Definition 8740.04 . Savings associations . . Acquisition 8740.03 . . Activities 8740.03 Mutual insurance company . Insured federal savings banks . . Directors and officers liability insurance 4246 Mutual savings banks . Bank holding company . . Establishment 6031 . Conversion to stock form 2068.01, 2405 . . Employee stock ownership plan 2406 . . Insurance fund membership 4951 . Correspondent banks . . Annual report . Definition 1067 . Federal savings associations . . Conversion transactions 8713 . Federally-related mortgage loans . . Identity of person 1327 MWOP SEE Minority and women outreach program |
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