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A12 CFR 201
Extensions of Credit by Federal Reserve Banks
Governs borrowing by depository institutions and others at the Federal Reserve discount window
Regulation (GPO) | Recent amendments
B12 CFR 202
Equal Credit Opportunity
Prohibits lenders from discriminating against credit applicants, establishes guidelines for gathering and evaluating credit information, and requires written notification when credit is denied
Regulation (GPO) | Recent amendments
C12 CFR 203
Home Mortgage Disclosure
Requires certain mortgage lenders to disclose data regarding their lending patterns
Regulation (GPO) | Recent amendments | Compliance guide
Proposed Amendments
Revises the rules for reporting price information on higher-priced loans, conforming to the definition of "higher-priced mortgage loan" adopted under Regulation Z (comments due August 29, 2008).
Press release and notice
Press release and notice
D12 CFR 204
Reserve Requirements of Depository Institutions
Sets uniform requirements for all depository institutions to maintain reserve balances either with their Federal Reserve Bank or as cash
Regulation (GPO) | Recent amendments | Compliance guide
Proposed Amendments
To authorize the establishment of limited-purpose accounts, called excess balance accounts (EBAs), at Federal Reserve Banks for the maintenance of excess balances of eligible institutions (comments due March 2, 2009)
Press release and notice
Press release and notice
To authorize member banks of the Federal Reserve System to enter into pass-through arrangements and eliminating the provision in the savings deposit definition limiting certain kinds of transfers from savings deposits (comments due March 28, 2008).
Press release and notice
Press release and notice
E12 CFR 205
Electronic Fund Transfers
Establishes the rights, liabilities, and responsibilities of parties in electronic funds transfers and protects consumers when they use such systems
Regulation (GPO) | Recent amendments | Compliance guide
Proposed Amendments
Limits the ability of a financial institution to assess an overdraft fee for paying automated teller machine (ATM) withdrawals and one-time debit card transactions that overdraw a consumer's account
Press release and notice
Press release and notice
F12 CFR 206
Limitations on Interbank Liabilities
Prescribes standards to limit the risks that the failure of a depository institution would pose to an insured depository institution
Regulation (GPO) | Compliance guide
G12 CFR 207
Disclosure and Reporting of CRA-Related Agreements
Implements provisions of the Gramm-Leach-Bliley Act that require reporting and public disclosure of written agreements between (1) insured depository institutions or their affiliates and (2) nongovernmental entities or persons, made in connection with fulfillment of Community Reinvestment Act requirements
Regulation (GPO)
Proposed Amendments
Request for comment on ways to reduce regulatory burden (comments due April 4, 2006)
Notice
Notice
H12 CFR 208
Membership of State Banking Institutions in the Federal Reserve System
Defines the requirements for membership of state-chartered banks in the Federal Reserve System; sets limitations on certain investments and requirements for certain types of loans; describes rules pertaining to securities-related activities; establishes the minimum ratios of capital to assets that banks must maintain and procedures for prompt corrective action when banks are not adequately capitalized; prescribes real estate lending and appraisal standards; sets out requirements concerning bank security procedures, suspicious-activity reports, and compliance with the Bank Secrecy Act; and establishes rules governing banks' ownership or control of financial subsidiaries
Regulation (GPO) | Recent amendments | Compliance guide | Information security compliance guide
Proposed Amendments
Interagency notice of proposed amendments to implement the Secure and Fair Enforcement for Mortgage Licensing Act
Press release and notice | Submit comments
Press release and notice | Submit comments
Interagency notice of proposed risk-based capital rule amendments to permit banks, bank holding companies, and savings associations to assign a 10-percent risk weight to claims on, or guaranteed by, Fannie Mae or Freddie Mac (comments due November 26, 2008)
Notice
Notice
Interagency notice of proposed amendments to permit banks, bank holding companies, and savings associations to reduce the amount of goodwill that a banking organization must deduct from tier 1 capital (comments due October 30, 2008)
Notice
Notice
Interagency notice of a proposed new risk-based capital framework, based on the standardized approach for credit risk and the basic indicator approach for operational risk described in the Basel Committee on Banking Supervision's "International Convergence of Capital Measurement and Capital Standards: A Revised Framework." (comments due October 27, 2008)
Notice
Notice
Draft interagency notice of proposed rulemaking to revise the existing risk-based capital framework by giving the vast majority of banks, bank holding companies, and savings associations the option of either continuing to use the existing Basel I-based capital rule or adopting a more risk-sensitive rule, known as Basel IA.
Press release and notice
Press release and notice
To revise 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 (comments due January 23, 2007)
Press release | Notice (162 KB PDF)
Press release | Notice (162 KB PDF)
Request for comment on ways to reduce burden of rules regarding prompt corrective action (comments due April 4, 2006)
Notice
Notice
To revise the existing risk-based capital framework to enhance its risk sensitivity (comments due January 18, 2006).
Press release and notice
Press release and notice
To establish a simplified regulatory capital framework for noncomplex institutions (comments due February 1, 2001)
Press Release and notice
Press Release and notice
I12 CFR 209
Issue and Cancellation of Federal Reserve Bank Capital Stock
Sets out stock-subscription requirements for all banks joining the Federal Reserve System
Regulation (GPO) | Compliance guide
Proposed Amendments
Request for comment on an amendment conforming Regulation I to proposed section 204.3(g) of Regulation D concerning depository institution location (comments due March 28, 2008)
Press release and notice
Press release and notice
J12 CFR 210
Collection of Checks and Other Items by Federal Reserve Banks and Funds Transfers through Fedwire
Establishes procedures, duties, and responsibilities among (1) Federal Reserve Banks, (2) the senders and payors of checks and other items, and (3) the senders and recipients of Fedwire funds transfers
Regulation (GPO) | Recent amendments | Compliance guide
K12 CFR 211
International Banking Operations
Governs the international banking operations of U.S. banking organizations and the operations of foreign banks in the United States
Regulation (GPO) | Recent amendments
L12 CFR 212
Management Official Interlocks
Generally prohibits a management official from serving two nonaffiliated depository institutions, depository institution holding companies, or any combination thereof, in situations where the management interlock would likely have an anticompetitive effect
Regulation (GPO) | Recent amendments | Compliance guide
M12 CFR 213
Consumer Leasing
Implements the consumer leasing provisions of the Truth in Lending Act by requiring meaningful disclosure of leasing terms
Regulation (GPO) | Recent amendments | Compliance guide
N12 CFR 214
Relations with Foreign Banks and Bankers
Governs relationships and transactions between Federal Reserve Banks and foreign banks, bankers, or governments
Regulation (GPO)
O12 CFR 215
Loans to Executive Officers, Directors, and Principal Shareholders of Member Banks
Restricts credit that a member bank may extend to its executive officers, directors, and principal shareholders and their related interests
Regulation (GPO) | Recent amendments | Compliance guide
P12 CFR 216
Privacy of Consumer Financial Information
Governs how financial institutions use nonpublic personal information about consumers
Regulation (GPO) | Compliance guide
Proposed Amendments
To adopt a model privacy form that financial institutions can use to provide consumers with the privacy notices required by the Gramm-Leach-Bliley Act (comments due May 29, 2007)
Press release and notice
Press release and notice
Request for comment on ways to improve the privacy notices financial institutions provide to consumers under the Gramm-Leach-Bliley Act (comments due March 30, 2004)
Press release and notice
Press release and notice
Q12 CFR 217
Prohibition against Payment of Interest on Demand Deposits
Prohibits member banks from paying interest on demand deposits
Regulation (GPO)
R12 CFR 218
Exceptions for Banks from the Definition of Broker in the Securities Exchange Act of 1934
Defines the scope of securities activities that banks may conduct without registering with the Securities Exchange Commission as a securities broker and implements the most important exceptions from the definition of the term broker for banks under section 3(a)(4) of the Securities Exchange Act of 1934. Specifically, the regulation implements the statutory exceptions that allow a bank, subject to certain conditions, to continue to conduct securities transactions for its customers as part of its trust and fiduciary, custodial, and deposit "sweep" functions and to refer customers to a securities broker-dealer pursuant to a networking arrangement with the broker-dealer.
Regulation (GPO) | Recent amendments | Compliance Guide
S12 CFR 219
Reimbursement to Financial Institutions for Providing Financial Records; Recordkeeping Requirements for Certain Financial Records
Establishes rates and conditions for reimbursement to financial institutions for providing customer records to a government authority and prescribes recordkeeping and reporting requirements for insured depository institutions making domestic wire transfers and for insured depository institutions and nonbank financial institutions making international wire transfers
Regulation (GPO)
Proposed Amendments
To implement the requirement that the Board establish rates and conditions under which payments are made by a government authority to a financial institution for assembling or providing financial records (comments due September 29, 2008).
Notice
Notice
To lower the dollar threshold in the rule requiring banks and nonbank financial institutions to collect, retain, and transmit information on transfers and transmittals of funds (comments due August 21, 2006)
Press release and notice
Press release and notice
T12 CFR 220
Credit by Brokers and Dealers
Governs extension of credit by securities brokers and dealers, including all members of national securities exchanges (See also Regulations U and X.)
Regulation (GPO)
Proposed Amendments
To clarify the treatment of stock futures held by customers at a security futures intermediary (comments due November 15, 2002)
Notice (106 KB PDF)
List of Foreign Margin Stocks
Notice (106 KB PDF)
U12 CFR 221
Credit by Banks and Persons other than Brokers or Dealers for the Purpose of Purchasing or Carrying Margin Stock
Governs extension of credit by banks or persons other than brokers or dealers to finance the purchase or the carrying of margin securities (See also Regulations T and X.)
Regulation (GPO) | Compliance guide
V12 CFR 222
Fair Credit Reporting
Proposed rules to implement the notice and opt-out provisions of the Fair Credit Reporting Act applicable to financial institutions that give their affiliates certain information about consumers
Regulation (GPO) | Recent amendments
Agencies issue frequently asked questions on identity theft rules
Press release concerning Fair Credit Reporting Act and privacy notices
Proposed Amendments
Advance notice of proposed rulemaking to identify possible additions to the information furnished to consumer reporting agencies (comments due August 31, 2009)
Press release and notice
Press release and notice
Require a creditor to provide consumers a risk-based pricing notice when the creditor uses a consumer report to grant or extend credit to the consumer on terms materially less favorable than the most favorable terms normally offered (comments due August 18, 2008)
Press release and notice
Press release and notice
Requests for Comment
On regulations and guidelines to help ensure the accuracy and integrity of information provided to consumer reporting agencies and to allow consumers to directly dispute inaccuracies with financial institutions and other entities that furnish information to consumer reporting agencies (comments due February 11, 2008)
Press release and notice
Press release and notice
On an advance notice of proposed rulemaking on issues related to the accuracy of consumer credit reports and the reinvestigation of disputes (comments due May 22, 2006)
Press release and notice
Press release and notice
On new regulation (comments due December 4, 2000)
Press release and notice
Press release and notice
W12 CFR 223
Transactions between Member Banks and Their Affiliates
Implements sections 23A and 23B of the Federal Reserve Act, which establish certain restrictions on and requirements for transactions between a member bank and its affiliates
Regulation (GPO) | Recent Amendments
Proposed Amendments
To prevent a depository institution from using an exemption in Regulation W for the purchase of extensions of credit from an affiliate if purchases made under the exemption exceeded 100 percent of the institution's capital
Notice (90 KB PDF)
Notice (90 KB PDF)
X12 CFR 224
Borrowers of Securities Credit
Applies the provisions of Regulations T and U to borrowers who are subject to U.S. laws and who obtain credit within or outside the United States for the purpose of purchasing securities
Regulation (GPO) | Compliance guide
Y12 CFR 225
Bank Holding Companies and Change in Bank Control
Regulates the acquisition of control of banks and bank holding companies by companies and individuals, defines and regulates the nonbanking activities in which bank holding companies (including financial holding companies) and foreign banking organizations with United States operations may engage, and establishes the minimum ratios of capital to assets that bank holding companies must maintain
Regulation (GPO) | Recent amendments | Information security compliance guide
Proposed Amendments
Interagency notice of proposed risk-based capital rule amendments to permit banks, bank holding companies, and savings associations to assign a 10-percent risk weight to claims on, or guaranteed by, Fannie Mae or Freddie Mac (comments due November 26, 2008)
Notice
Notice
Interagency notice of proposed amendments to permit banks, bank holding companies, and savings associations to reduce the amount of goodwill that a banking organization must deduct from tier 1 capital (comments due October 30, 2008)
Notice
Notice
Interagency notice of a proposed new risk-based capital framework, based on the standardized approach for credit risk and the basic indicator approach for operational risk described in the Basel Committee on Banking Supervision's "International Convergence of Capital Measurement and Capital Standards: A Revised Framework." (comments due October 27, 2008)
Notice
Notice
Draft interagency notice of proposed rulemaking to revise the existing risk-based capital framework by giving the vast majority of banks, bank holding companies, and savings associations the option of either continuing to use the existing Basel I-based capital rule or adopting a more risk-sensitive rule, known as Basel IA.
Press release and notice
Press release and notice
To revise 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 (comments due January 23, 2007)
Press release | Notice (162 KB PDF)
Press release | Notice (162 KB PDF)
To revise the existing risk-based capital framework to enhance its risk sensitivity (comments due January 18, 2006).
Press release and notice
Press release and notice
Interpretation of the anti-tying restrictions in section 106 of the Bank Holding Company Act Amendments of 1970, related supervisory guidance, and an exception under section 106 for financial subsidiaries of state nonmember banks (comments due September 30, 2003)
Press release and notice
Press release and notice
To permit financial holding companies to act as real estate brokers and managers
Press release and notice | Extension of comment period (comments due May 1, 2001)
Press release and notice | Extension of comment period (comments due May 1, 2001)
Regarding financial data processing activities (comments due February 16, 2001)
Press release and notice
Press release and notice
To establish a "safe harbor" permitting a bank to offer a credit card that can be used to make purchases from a retailer affiliated with the bank (comments due March 13, 2000)
Notice
Notice
Z12 CFR 226
Truth in Lending
Prescribes uniform methods for computing the cost of credit, for disclosing credit terms, and for resolving errors on certain types of credit accounts
Regulation (GPO) | Recent amendments
Proposed Amendments
To revise the format, timing, and content requirements for the four main types of home-equity lines of credit disclosures (comments due November 27, 2009)
Press release and notice | Submit comments
Press release and notice | Submit comments
To revise the rules for disclosures of closed-end credit secured by real property or a consumer's dwelling (comments due November 27, 2009)
Press release and notice | Submit comments
Press release and notice | Submit comments
To revise the disclosure requirements for private education loans and implement the Higher Education Opportunity Act (comments due T.B.D.)
Press release and notice
Press release and notice
To revise the disclosure requirements for mortgage loans and implement the Mortgage Disclosure Improvement Act (comments due January 23, 2009; comments period extended through February 9, 2009)
Notice
Notice
Address creditors' responsibilities to establish reasonable instructions for receiving timely payments; their responsibilities when a due date falls on a weekend or holiday; their responsibilities when investigating a claim of unauthorized transactions or an allegation of a billing error; and their responsibilities, when advertising deferred interest plans, to provide additional information about how interest could be imposed (comments due July 18, 2008)
Press release and notice
Press release and notice
To protect consumers from unfair or deceptive home mortgage lending and advertising practices (comments due April 8, 2008)
Press release and notice
Press release and notice
To improve the effectiveness of disclosures consumers receive in connection with credit card accounts and other revolving credit plans by ensuring that information is provided in a timely manner and in a form that is readily understandable (comments due October 12, 2007)
Press release and notice
Press release and notice
To implement provisions of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 requiring new disclosures for open-end credit accounts (primarily on periodic statements and credit card applications and solicitations) and to reopen and extend the public comment period on a review of the open-end credit rules (comments due December 16, 2005)
Press release and notice
Press release and notice
Review of the format of open-end credit disclosures, the content of the disclosures, and the substantive protections provided under the regulation (comments due March 25, 2005)
Press release and notice
Press release and notice
AA12 CFR 227
Unfair or Deceptive Acts or Practices
Establishes consumer complaint procedures and defines unfair or deceptive practices in extending credit to consumers
Regulation (GPO) | Recent amendments | Compliance guide
Proposed Amendments
Prohibit institutions from engaging in certain acts or practices in connection with consumer credit cards accounts and overdraft services for deposit accounts (comments due August 4, 2008)
Press release and notice
Press release and notice
BB12 CFR 228
Community Reinvestment
Implements the Community Reinvestment Act and encourages banks to help meet the credit needs of their communities
Regulation (GPO) | Recent amendments | Compliance guide
Proposed Amendments
Interagency notice of proposed amendments to require the agencies to consider low-cost education loans provided to low-income borrowers when assessing a financial institution's record of meeting community credit needs
Press release and notice | Submit comments
Press release and notice | Submit comments
CC12 CFR 229
Availability of Funds and Collection of Checks
Governs the availability of funds deposited in checking accounts and the collection and return of checks
Regulation (GPO) | Recent amendmentsCompliance guide | Compliance with Regulation CC: A Guide for Financial Institutions
DD12 CFR 230
Truth in Savings
Requires depository institutions to provide disclosures to enable consumers to make meaningful comparisons of deposit accounts
Regulation (GPO) | Recent amendments | Compliance guide
Proposed Amendments
Set forth content and timing requirements for a notice to consumers about any right to opt out of an institution's overdraft service, and address balance disclosures provided in response to balance inquiries from consumers (comments due July 18, 2008)
Press release and notice
Press release and notice
EE12 CFR 231
Netting Eligibility for Financial Institutions
Defines financial institutions to be covered by statutory provisions that validate netting contracts, thereby permitting one institution to pay or receive the net, rather than the gross, amount due, even if the other institution is insolvent
Regulation (GPO)
FF12 CFR 232
Obtaining and Using Medical Information in Connection with Credit
Creates exceptions to the statutory prohibition against obtaining or using medical information in connection with determining eligibility for credit
Regulation (GPO)
GG12 CFR 233
Prohibition on Funding of Unlawful Internet Gambling
Requires U.S. financial firms that participate in designated payment systems to establish and implement policies and procedures reasonably designed to prevent payments connected to unlawful Internet gambling
Press release and notice
Miscellaneous Interpretations12 CFR 250
Interpretations (GPO)
Capital Adequacy Guidelines12 CFR 208 and 225
Establish the minimum ratios of capital to assets that state member banks and bank holding companies must maintain. The guidelines for state member banks are contained in appendixes A, B, and E of Regulation H. The guidelines for bank holding companies are contained in appendixes A, B, D, and E of Regulation Y.
Last update:
July 30, 2009