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FEDERAL RESERVE SYSTEM (FRS)

Supervises state-chartered banks that opt to be members of the Federal Reserve System, bank and thrift holding companies, and the nondepository institution subsidiaries of those institutions, and nonbank financial companies designated by the Financial Stability Oversight Council for enhanced supervision. Also supervises Edge corporations pursuant to the Edge Act and certain designated financial market utilities (such as a clearinghouse) pursuant to the Dodd-Frank Act. Also supervises state-licensed branches and agencies of foreign banks and regulates the U.S. nonbanking activities of foreign banking organizations.

PART 201—EXTENSIONS OF CREDIT BY FEDERAL RESERVE BANKS (REGULATION A)

Governs borrowing by depository institutions and others at the Federal Reserve discount window.

PART 202—EQUAL CREDIT OPPORTUNITY ACT (REGULATION B)

Prohibits lenders from discriminating against credit applicants, establishes guidelines for gathering and evaluating credit information, and requires written notification when credit is denied.

PART 205—ELECTRONIC FUND TRANSFERS (REGULATION E)

Establishes the rights, liabilities, and responsibilities of parties in electronic funds transfers and protects consumers when they use such systems.

PART 206—LIMITATIONS ON INTERBANK LIABILITIES (REGULATION F)

Prescribes standards to limit the risks that the failure of a depository institution would pose to an insured depository institution.

FRB Docket No. OP–1369

PART 207—DISCLOSURE AND REPORTING OF CRA-RELATED AGREEMENTS (REGULATION G)

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.

PART 208—MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H)

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.

PART 209—ISSUE AND CANCELLATION OF FEDERAL RESERVE BANK CAPITAL STOCK (REGULATION I)

Sets out stock-subscription requirements for all banks joining the Federal Reserve System.

PART 210—COLLECTION OF CHECKS AND OTHER ITEMS BY FEDERAL RESERVE BANKS AND FUNDS TRANSFERS THROUGH FEDWIRE (REGULATION J)

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.

PART 211—INTERNATIONAL BANKING OPERATIONS (REGULATION K)

Governs the international banking operations of U.S. banking organizations and the operations of foreign banks in the United States.

PART 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.

PART 213—CONSUMER LEASING (REGULATION M)

Implements the consumer leasing provisions of the Truth in Lending Act by requiring meaningful disclosure of leasing terms.

PART 214—RELATIONS WITH FOREIGN BANKS AND BANKERS (REGULATION N)

Governs relationships and transactions between Federal Reserve Banks and foreign banks, bankers, or governments.

PART 215—LOANS TO EXECUTIVE OFFICERS, DIRECTORS, AND PRINCIPAL SHAREHOLDERS OF MEMBER BANKS (REGULATION O)

Restricts credit that a member bank may extend to its executive officers, directors, and principal shareholders and their related interests.

PART 217—CAPITAL ADEQUACY OF BANK HOLDING COMPANIES, SAVINGS AND LOAN HOLDING COMPANIES, AND STATE MEMBER BANKS (REGULATION Q)

Establishes minimum capital requirements and overall capital adequacy standards for Board-regulated institutions.

PART 218—EXCEPTIONS FOR BANKS FROM THE DEFINITION OF BROKER IN THE SECURITIES EXCHANGE ACT OF 1934 (REGULATION R)

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.

PART 219—REIMBURSEMENT FOR PROVIDING FINANCIAL RECORDS; RECORDKEEPING REQUIREMENTS FOR CERTAIN FINANCIAL RECORDS (REGULATION S)

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.

PART 220—CREDIT BY BROKERS AND DEALERS (REGULATION T)

Governs extension of credit by securities brokers and dealers, including all members of national securities exchanges (See also Regulations U and X).

PART 221—CREDIT BY BANKS AND PERSONS OTHER THAN BROKERS OR DEALERS FOR THE PURPOSE OF PURCHASING OR CARRYING MARGIN STOCK (REGULATION U)

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).

PART 222—FAIR CREDIT REPORTING (REGULATION V)

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.

PART 223—TRANSACTIONS BETWEEN MEMBER BANKS AND THEIR AFFILIATES (REGULATION W)

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.

PART 224—BORROWERS OF SECURITIES CREDIT (REGULATION X)

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.

PART 225—BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y)

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.

PART 226—TRUTH IN LENDING (REGULATION Z)

Prescribes uniform methods for computing the cost of credit, for disclosing credit terms, and for resolving errors on certain types of credit accounts.

PART 229—AVAILABILITY OF FUNDS AND COLLECTION OF CHECKS (REGULATION CC)

Governs the availability of funds deposited in checking accounts and the collection and return of checks.

PART 231—NETTING ELIGIBILITY FOR FINANCIAL INSTITUTION (REGULATION EE)

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.

PART 232—OBTAINING AND USING MEDICAL INFORMATION IN CONNECTION WITH CREDIT (REGULATION FF)

Creates exceptions to the statutory prohibition against obtaining or using medical information in connection with determining eligibility for credit.

PART 233—PROHIBITION ON FUNDING OF UNLAWFUL INTERNET GAMBLING (REGULATION GG)

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.

PART 234—DESIGNATED FINANCIAL MARKET UTILITIES (REGULATION HH)

Establishes standards and procedures related to the supervision of financial market utilities designated as systemically important.

PART 235—DEBIT CARD INTERCHANGE FEES AND ROUTING

Establishes standards for debit card interchange fees and prohibits payment card network exclusivity arrangements and routing restrictions for debit card transactions.

PART 237—SWAPS MARGIN AND SWAPS PUSH-OUT

Establishes margin and capital requirements for swap dealers and swap participants.

PART 238—SAVINGS AND LOAN HOLDING COMPANIES (REGULATION LL)

Regulates the acquisition of control of savings associations, defines and regulates the activities of savings and loan holding companies, and sets forth procedures under which directors and executive officers may be appointed or employed.

PART 239—MUTUAL HOLDING COMPANIES (REGULATION MM)

Regulates the reorganization of mutual savings associations to mutual holding companies and the creation of subsidiary holding companies of mutual holding companies, defines and regulates the operations of mutual holding companies and their subsidiary holding companies, and sets forth procedures for securing approval for these transactions.

PART 240—RETAIL FOREIGN EXCHANGE TRANSACTIONS (REGULATION NN)

Sets standards for banking organizations regulated by the Federal Reserve that engage in certain types of foreign exchange transactions with retail consumers.

PART 241—SECURITIES HOLDING COMPANIES (REGULATION OO)

Outlines the procedures for securities holding companies to elect to be supervised by the Federal Reserve.

PART 242—DEFINITIONS RELATING TO TITLE I OF THE DODD-FRANK ACT (REGULATION PP)

Establishes the criteria for determining if a company is predominantly engaged in financial activities and defines the terms significant nonbank financial company and significant bank holding company

PART 243—RESOLUTION PLANS (REGULATION QQ)

Requires large, systemically significant bank holding companies and nonbank financial companies to submit annual resolution plans.

PART 244—CREDIT RISK RETENTION (REGULATION RR)

Establishes requirements for sponsors of asset-backed securities and the credit risk of the assets underlying the securities.

PART 246—SUPERVISION AND REGULATION ASSESSMENTS OF FEES (REGULATION TT)

Establishes annual assessment fees for certain bank holding companies, savings and loan holding companies, and nonbank financial companies supervised by the Federal Reserve.

PART 248—PROPRIETARY TRADING AND CERTAIN INTERESTS IN AND RELATIONSHIPS WITH COVERED FUNDS

Establishes prohibitions and restrictions on proprietary trading and investments in or relationships with covered funds by certain banking entities.

PART 249—LIQUIDITY RISK MEASUREMENT STANDARDS (REGULATION WW)

Establishes a minimum liquidity standard for certain Board-regulated institutions on a consolidated basis.

PART 251—CONCENTRATION LIMIT (REGULATION XX)

Establishes a financial sector concentration limit that prohibits a financial company from combining with another company if the resulting company’s consolidated liabilities would exceed 10 percent of the aggregate consolidated liabilities of all financial companies.

PART 252—ENHANCED PRUDENTIAL STANDARDS (REGULATION YY)

Implements the enhanced prudential standards and the early remediation requirements mandated by the Dodd-Frank Act for large bank holding companies and systemically important nonbank financial firms.

PART 261—RULES REGARDING AVAILABILITY OF INFORMATION

Sets forth the categories of information made available to the public, the procedures for obtaining documents and records, the procedures for limited release of exempt and confidential supervisory information, and the procedures for protecting confidential business information.

PART 261a—RULES REGARDING ACCESS TO PERSONAL INFORMATION UNDER THE PRIVACY ACT 1974

Implements the provisions of the Privacy Act of 1974 with regard to the maintenance, protection, disclosure, and amendment of records contained within systems of records maintained by the Board. It sets forth the procedures for requests for access to, or amendment of, records concerning individuals that are contained in systems of records maintained by the Board.

PART 261b—RULES REGARDING PUBLIC OBSERVATION OF MEETINGS

Promulgates regulations to implement the open meeting requirements of the Government in the Sunshine Act.

PART 262—RULES OF PROCEDURE

Provides the Federal Reserve Systems’ general course and method by which its functions are channeled and determined, rules of procedure, and descriptions of forms available or the places at which forms may be obtained.

PART 264—EMPLOYEE RESPONSIBILITIES AND CONDUCT

Establishes that employees of the Board of Governors of the Federal Reserve System are subject to the executive branch-wide standards of ethical conduct and the Board’s regulation and the executive branch-wide financial disclosure regulation.

PART 264a—POST-EMPLOYMENT RESTRICTIONS FOR SENIOR EXAMINERS

Identifies those officers and employees of the Federal Reserve that are subject to the special post-employment restrictions set forth in section 10(k) of the Federal Deposit Insurance Act (FDI Act) and implements those restrictions as they apply to officers and employees of the Federal Reserve.