Proposed amendments to change the timing, content, and format of the disclosures that creditors provide to consumers about HELOCs at application and throughout the life of such accounts. The proposal would also provide protections related to account suspensions and credit-limit reductions, and reinstatement of accounts

Proposed amendments that would revise Closed-end mortgage disclosures to highlight potentially risky features such as adjustable rates, prepayment penalties, and negative amortization and prevent mortgage loan originators from "steering" consumers to more expensive loans

Proposed new and revised guidance that address the most frequently asked questions about flood insurance

Proposed interim final rule amending Regulation Z (Truth in Lending) to require creditors to increase the amount of notice consumers receive before the rate on a credit card account is increased or a significant change is made to the account's terms

The federal bank and thrift regulatory agencies request comment on an interim final rule that provides that mortgage loans modified under the Making Home Affordable Program will retain the risk weight assigned to the loan prior to the modification, so long as the loan continues to meet other applicable prudential criteria

Interagency proposed rulemaking that would revise the rules implementing the Community Reinvestment Act

Interagency proposed rules requiring mortgage loan originators who are employees of agency-regulated institutions to meet the registration requirements of the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act)

The Board has adopted, and is seeking public comment on, an interim final rule to support in a timely manner, the full implementation and acceptance of the capital purchase program of the U.S. Department of Treasury and promote the stability of banking organizations and the financial system.

Proposed clarifications to aspects of the December 2008 final rules under the Federal Trade Commission Act (FTC Act) prohibiting certain unfair credit card practices.

Proposed clarifications to the December 2008 final rule under the Truth in Lending Act (TILA) amending Regulation Z to improve the disclosures consumers receive in connection with credit card accounts and other revolving credit plans

Proposed amendments to Regulation E (Electronic Fund Transfers) intended to provide consumers a choice regarding their institution's payment of overdrafts for automated teller machine withdrawals and one-time debit card transactions

Interagency proposal to allow a banking organization to assign a 10 percent risk weight to claims on, and portions of claims guaranteed by, the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac).

Interagency proposal that would permit banks, bank holding companies, and savings associations (collectively, banking organizations) to reduce the amount of goodwill that a banking organization must deduct from tier 1 capital by the amount of any deferred tax liability associated with that goodwill

Proposed amendment to Regulation S (Right to Financial Privacy), which sets the rates and conditions under which a government agency must reimburse a financial institution for costs incurred in producing customer financial records under the Right to Financial Privacy Act.

Interagency proposal of a new risk-based capital framework (standardized framework) based on the standardized approach for credit risk and the basic indicator approach for operational risk described in the capital adequacy framework titled "International Convergence of Capital Measurement and Capital Standards: A Revised Framework" (New Accord) released by the Basel Committee on Banking Supervision. The standardized framework generally would be available, on an optional basis, to banks, bank holding companies, and savings associations (banking organizations) that apply the general risk-based capital rule

Interagency proposal to implement the risk-based pricing provisions in section 311 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act), which amends the Fair Credit Reporting Act (FCRA)

Joint notice of proposed rulemaking (NPR) requesting comment on a model privacy form that financial institutions can use for their privacy notices to consumers required by the Gramm-Leach-Bliley Act (GLB Act).

Interagency proposed revisions to the market risk capital rule to enhance its risk sensitivity and introduce requirements for public disclosure of certain qualitative and quantitative information about the market risk of a bank or bank holding company

Joint advanced notice of proposed rulemaking requesting comment from the public, including law enforcement and financial institutions, to assess whether the potential benefit to law enforcement of a lower threshold outweighs the potential burden to financial institutions.

Joint request for comment on issues related to the accuracy of consumer credit reports and the reinvestigation of disputes

Proposed framework for Risk-Based Capital Guidelines; Implementation of New Basel Capital Accord

Interagency proposed guidance on sound practices for the management of funding and liquidity risks, and to strengthen liquidity risk-management practices

Request for comment on proposed changes to the methodology for calculating the imputed costs, collectively known as the private sector adjustment factor, that are considered when setting fees and measuring cost recovery for certain payment services provided to depository institutions

The Federal Reserve Board, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency, and Office of Thrift Supervision are proposing for comment one new and two revised questions and answers. The revisions to the two existing questions and answers would allow pro rata consideration in certain circumstances for an activity that provides affordable housing targeted to low- or moderate-income individuals. The proposed new question and answer would provide examples of how an institution can determine that community services it provides are targeted to low- and moderate-income individuals

Request for comment regarding the proposed Interagency Appraisal and Evaluation Guidelines that reaffirm supervisory expectations for sound real estate appraisal and evaluation practices.

Pursuant to the provisions of the Privacy Act of 1974, notice is given that the Board of Governors of the Federal Reserve System (Board) proposes to add two new systems of records, BGFRS-37 (Electronic Applications) and BGFRS-38 (Transportation Subsidy Records)

Request for comment on new and revised interagency questions and answers regarding flood insurance.

Interagency proposed guidance entitled Garnishment of Exempt Federal Benefit Funds

Interagency request for comment on proposed illustrations of consumer information for subprime mortgage lending.

Request for comment on a series of new and revised interagency questions and answers pertaining to the Community Reinvestment Act (CRA).

Interagency proposed Supervisory Guidance for Internal Ratings-Based Systems for Credit Risk, Advanced Measurement Approaches for Operational Risk, and the Supervisory Review Process (Pillar 2) Related to Basel II Implementation

Joint request for comment on proposed classification of commercial credit exposures

Proposal to standardize and expand the examination data collected in support of the Shared National Credit Program

Proposed supervisory guidance on the internal-ratings-based (IRB) approach to determine regulatory capital requirements for retail credit exposures

Proposal to adopt an interpretation of the anti-tying restrictions of section 106 of the Bank Holding Company Act Amendments of 1970, and related supervisory guidance

Proposal to approve under OMB delegated authority the extension for three years, without revision of the following reports: Report of Transaction Accounts, Other Deposits and Vault Cash (FR 2900), Annual Report of Deposits and Reservable Liabilities (FR 2910a), Report of Foreign (Non-U.S.) Currency Deposits, and Allocation of Low Reserve Tranche and Reservable Liabilities Exemption (FR 2930). Proposal to approve under OMB delegated authority the implementation of the following reports: Supervisory and Regulatory Survey (FR 3052), and Consumer Protection Surveys (FR 3053)

Proposal to extend for three years, without revision, the following currently approved collection of information: Country Exposure Report for U.S. Branches and Agencies of Foreign Banks (FFIEC 019).

Interagency proposal concerning the currently approved FR 2230 Suspicious Activity Report by Depository Institutions, which is being renewed without change.