The Fed - Regulations https://www.federalreserve.gov/supervisionreg/reglisting.

htm

Regulations

12 CFR 201
All Regulations A
Extensions of
A|B|C|D|E|F|G| Credit by Federal
H|I|J|K|L|M|N|O
Reserve Banks
|P|Q|R|S|T|U|V| Governs borrowing
W|X|Y|Z by depository
institutions and others
AA | BB | CC | DD | EE |
at the Federal
FF | GG | HH | II | JJ | KK
Reserve discount
| LL | MM | NN | OO | PP
window
| QQ | RR | TT | UU | VV
| WW | XX | YY Regulation (GPO) |
Recent amendments

Proposed
Amendments
To make
certain
technical
adjustments
including to
reflect the
expiration of
the Term
Asset-Backed
Securities Loan
Facility (TALF)
program (comments
due January 8,
2018)
Press release
and notice

To amend the
emergency
lending
authority of the
Federal
Reserve Banks
(comments due
March 7, 2014)
Press release
and notice

To establish
criteria for the
Federal

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Reserve Bank
of New York to
determine the
eligibility of
credit rating
agencies and
the ratings they
issue for use in
the Term
Asset-Backed
Securities Loan
Facility
(comments due
November 9,
2009).
Press release
and notice

12 CFR 202
B
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

Proposed
Amendments
To clarify that
motor vehicle
dealers are not
required to
comply with
certain data
collection
requirements in
the Dodd–
Frank Act until

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final
regulations are
issued to
implement the
statutory
requirements
(comments due
July 29, 2011)
Press release
and notice

To revise
certain model
notices to
incorporate the
new credit
score
disclosure
requirements
(comments due
April 14, 2011)
Press release
and notice

12 CFR 203
C (Repealed)
Press release and
notice (effective
January 22, 2018)

12 CFR 204
D
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 |
Frequently asked

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questions

Proposed
Amendments
To lower the
rate of interest
paid on excess
balances
maintained at
Reserve Banks
by eligible
institutions
(comments due
May 13, 2019)
Press release
and notice |
Submit
Comments

Technical
changes to the
calculation of
interest
payments on
certain
balances
maintained by
depository
institutions at
Federal
Reserve Banks
(comments due
May 18, 2015)
Press release
and notice

To simplify the
administration
of reserve
requirements
Press release
and notice

To remove
references to
Regulation Q
Press release
and notice

To enable the
establishment
of a term
deposit facility

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through which
Federal
Reserve Banks
would offer
interest-
bearing term
deposits to
eligible
institutions
(comments due
February 1,
2010).
Press release
and notice

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

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

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kinds of
transfers from
savings
deposits
(comments due
March 28,
2008).
Press release
and notice

12 CFR 205
E
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
To create new
protections for
consumers
who send
remittance
transfers to
recipients in a
foreign country
Press release
and notice

To clarify
certain aspects
of the final rule
limiting the
ability of
financial
institutions to
assess
overdraft fees
for paying ATM

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and one-time
debit card
transactions
that overdraw a
consumer's
account
(comments due
March 31,
2010)
Press release
and notice

To restrict the
fees and
expiration
dates that may
apply to certain
prepaid
products,
primarily gift
cards
(comments due
December 21,
2009)
Press release
and notice

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

12 CFR 206
F
Limitations on

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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

Proposed
Amendments
To simplify
regulatory
capital
requirements
for qualifying
community
banking
organizations
by giving them
an option to
calculate a
simple
leverage ratio
(comments due
April 9, 2019)
Press release
and notice |
Submit
Comments

12 CFR 207
G
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

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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

12 CFR 208
H
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

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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
To simplify
regulatory
capital
requirements
for qualifying
community
banking
organizations
by giving them
an option to
calculate a
simple
leverage ratio
(comments due
April 9, 2019)
Press release
and notice |
Submit
Comments

To reduce
regulatory
reporting
burden on
small
institutions by

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expanding the
number of
regulated
institutions
eligible for
streamlined
reporting
(comments due
January 18,
2019)
Press release
and notice

To repeal
provisions that
incorporate the
S.A.F.E. Act
(comments due
November 26,
2018)
Press release
and notice

To require
regulated
lending
institutions to
accept certain
private flood
insurance
policies in
addition to
policies made
available by
the Federal
Emergency
Management
Agency
(comments due
January 6,
2017)
Press release
and notice

To establish
requirements
with respect to
the escrow of
flood insurance
payments and
to incorporate
an exemption

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for certain
detached
structures from
the mandatory
flood insurance
purchase
requirement
(comments due
December 29,
2014)
Press release
and notice

To implement
minimum
requirements
for state
registration and
supervision of
appraisal
management
companies
(comments due
June 9, 2014)
Press release
and notice

To establish
requirements
with respect to
the escrow of
flood insurance
payments, the
acceptance of
private flood
insurance
coverage, and
the force-
placement of
flood insurance
(comments due
December 10,
2013)
Press release
and notice

To strengthen
the leverage
ratio standards
for large,
interconnected
U.S. banking

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organizations
(comments due
October 21,
2013)
Press release
and notice

To address
changes to the
country risk
classifications,
clarify the
treatment of
certain traded
securitization
positions,
make a
technical
amendment to
the definition of
covered
position, and
clarify the
timing of
required
market risk
disclosures
(comments due
September 3,
2013)
Notice (PDF)

To revise the
minimum risk-
based capital
requirements
and criteria for
regulatory
capital, as well
as establish a
capital
conservation
buffer
framework,
consistent with
Basel III
(comments due
September 7,
2012)
Press release
and notice |
Extension of

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comment
period
(comments due
October 22,
2012)

To amend an
earlier notice of
proposed
rulemaking by
providing
alternatives for
calculating
specific risk
capital
requirements
for debt and
securitization
positions that
do not rely on
credit ratings
(comments due
February 3,
2012)
Press release
and notice

To revise the
market risk
capital rules to
modify their
scope, reduce
procyclicality,
enhance the
sensitivity to
certain risks,
and increase
transparency
Press release
and notice

To revise the
advanced risk-
based capital
adequacy
standards and
revise the
general risk-
based capital
rules
Press release
and notice

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Interagency
notice
regarding
alternatives to
the use of
credit ratings in
the risk-based
capital
guidelines
Press release
and notice

Interagency
notice of a
proposed
regulatory
capital rule
related to the
Financial
Accounting
Standards
Board's
adoption of
Statements of
Financial
Accounting
Standards Nos.
166 and 167
Press release
and notice

Interagency
notice of
proposed
amendments to
implement the
Secure and
Fair
Enforcement
for Mortgage
Licensing Act
Press release
and notice

Interagency
notice of
proposed risk-
based capital
rule
amendments to
permit banks,
bank holding

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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

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

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

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the Basel
Committee on
Banking
Supervision's
"International
Convergence
of Capital
Measurement
and Capital
Standards: A
Revised
Framework."
(comments due
October 27,
2008)
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

To revise the
market-risk
capital rule to
enhance its

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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)

Request for
comment on
ways to reduce
burden of rules
regarding
prompt
corrective
action
(comments due
April 4, 2006)
Notice

To revise the
existing risk-
based capital
framework to
enhance its
risk sensitivity
(comments due
January 18,
2006).
Press release
and notice

To establish a
simplified
regulatory
capital
framework for
noncomplex
institutions

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(comments due
February 1,
2001)
Press Release
and notice

12 CFR 209
I
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

12 CFR 210
J
Collection of
Checks and Other

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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

Proposed
Amendments
To simplify the
regulation and
to make it
conform more
closely with
Regulation CC
(comments due
May 14, 2018)
Press release
and notice

To permit the
Reserve Banks
to require
paying banks
that receive
presentment of
checks from
the Reserve
Banks to make
the proceeds of
settlement for
those checks
available to the
Reserve Banks
as soon as one
half-hour after
receipt of the
checks

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(comments due
February 10,
2014)
Press release
and notice

To eliminate
references to
"as-of
adjustments"
and provide
other
clarifications
Press release
and notice

12 CFR 211
K
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
| Order Delegating
Authority (PDF)

Proposed
Amendments
To simplify
regulatory
capital
requirements
for qualifying
community
banking
organizations
by giving them
an option to
calculate a
simple
leverage ratio
(comments due

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April 9, 2019)
Press release
and notice |
Submit
Comments

To repeal
provisions that
incorporate the
S.A.F.E. Act
(comments due
November 26,
2018)
Press release
and notice

To better align
the Board’s
rating system
for large
financial
institutions with
the post-crisis
supervisory
program for
these firms
(comments due
February 15,
2018)
Press release
and notices |
Extension of
comment
period

12 CFR 212
L
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

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management
interlock would likely
have an
anticompetitive effect

Regulation (GPO) |
Recent amendments
| Compliance guide

Proposed
Amendments
To increase the
major assets
prohibition
thresholds that
restrict the
ability of a
director or
other
management
official to serve
at more than
one depository
institution or
depository
holding
company
Press release
and notice |
Submit
Comments

12 CFR 213
M
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

Proposed
Amendments

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To reflect
changes in the
coverage of the
rule under the
Dodd-Frank
Act (comments
due March 5,
2018)
Press release
and notice

To detail the
method that
will be used to
adjust the
thresholds for
exempting
certain
consumer
credit and
lease
transactions
(comments due
September 6,
2016)
Press release
and notices

To increase the
threshold for
exempt
consumer
leases and to
adjust annually
to reflect any
increase in the
Consumer
Price Index
Press release
and notice

12 CFR 214
N
Relations with
Foreign Banks
and Bankers
Governs relationships
and transactions
between Federal
Reserve Banks and

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foreign banks,
bankers, or
governments

Regulation (GPO)

12 CFR 215
O
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

Proposed
Amendments
To simplify
regulatory
capital
requirements
for qualifying
community
banking
organizations
by giving them
an option to
calculate a
simple
leverage ratio
(comments due
April 9, 2019)
Press release
and notice |
Submit
Comments

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12 CFR 216
P (Repealed)
Press release and
notice (effective June
30, 2014)

12 CFR 217
Q
Capital Adequacy
of Bank Holding
Companies,
Savings and Loan
Holding
Companies, and
State Member
Banks
Establishes minimum
capital requirements
and overall capital
adequacy standards
for Board-regulated
institutions
Press release and
notice | Correction
(PDF)

Proposed
Amendments
To establish
risk-based
capital
requirements
for depository
institution
holding
companies that
are significantly
engaged in
insurance
activities
(comments due
January 22,
2020)
Press release
and notice |
Submit
Comments |
Extension of
comment
period

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To expand on a
September
2018 proposal
that revises the
definition of
high volatility
commercial
real estate
(comments due
August 22,
2019)
Press release
and notice |
Submit
Comments

To modify a
capital
requirement for
U.S. banking
organizations
predominantly
engaged in
custodial
activities
(comments due
July 1, 2019)
Press release
and notice │
Submit
Comments

To determine
whether to
apply new
liquidity
requirements
to the branches
of foreign
banks
(comments due
June 21, 2019)
Press release
and notice │
Submit
Comments

To revise the
framework for
applying the
enhanced
prudential

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standards
applicable to
foreign banking
organizations
under the
Dodd-Frank
Act (comments
due June 21,
2019)
Press release
and notice │
Submit
Comments

To limit the
interconnectedness
of large
banking
organizations
and reduce the
impact from
failure of the
largest banking
organizations
(comments due
June 7, 2019)
Press release
and notice │
Submit
Comments

To simplify
regulatory
capital
requirements
for qualifying
community
banking
organizations
by giving them
an option to
calculate a
simple
leverage ratio
(comments due
April 9, 2019)
Press release
and notice |
Submit
Comments

Amendment to

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implement a
new approach
for calculating
the exposure
amount of
derivative
contracts under
the regulatory
capital rule
(comments due
March 18,
2019)
Press release
and notice |
Submit
Comments |
Extension of
comment
period

Request for
comment on a
framework that
would more
closely match
the regulations
for large
banking
organizations
with their risk
profiles
(Comments
due January
22, 2019)
Press release
and notice

Request for
comment on a
revised
definition of
"high volatility
commercial
real estate
exposure" and
on certain
terms
contained in
the revised
definition
(comments due
November 27,

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2018)
Press release
and notice

To extend the
existing
transitional
capital
treatment for
certain
regulatory
capital
deductions and
risk weights, as
they apply to
banking
organizations
that are not
subject to the
advanced
approaches
capital rules
(comments due
September 25,
2017)
Press release
and notice

To adopt
additional
limitations on
the physical
commodity
trading
activities of
financial
holding
companies
(comments due
February 20,
2017)
Press release
and notice |
Extension of
comment
period

To establish
restrictions for
G-SIBs
regarding the
terms of their

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non-cleared
qualified
financial
contracts
(comments due
August 5,
2016)
Press release
and notice

Technical
amendments to
rule requiring
global
systemically
important bank
holding
companies to
hold additional
amounts of
risk-based
capital
(comments due
May 13, 2016)
Press release
and notice

Proposed
policy
statement on
the framework
for setting the
amount of the
U.S.
countercyclical
capital buffer
(comments due
March 21,
2016)
Press release
and notice |
Extension of
comment
period

To promote
financial
stability by
improving the
resolvability
and resiliency
of the largest

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domestic and
foreign banking
organizations
operating in the
United States
(comments due
February 19,
2016)
Press release
and notice |
Extension of
comment
period

To expand the
applicability of
the Small Bank
Holding
Company
Policy
Statement for
small bank
holding
companies and
certain savings
and loan
holding
companies and
to reduce
reporting
requirements
(comments due
March 5, 2015)
Press release
and notice

To adopt a
framework to
establish risk-
based capital
surcharges for
the largest,
most
interconnected
bank holding
companies
(comments due
March 2, 2015)
Press release
and notice |
Extension of
comment

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period
(comments due
April 3, 2015)

To illustrate
how to apply
the common
equity tier 1
capital
qualification
criteria to
depository
institution
holding
companies
organized in
forms other
than as stock
corporations
(comments due
February 28,
2015)
Press release
and notice

To clarify,
correct, and
update aspects
of the
regulatory
capital rule
applicable to
banking
organizations
that are subject
to the
advanced
approaches
risk-based
capital rule
(comments due
February 17,
2015)
Press release
and notice

To (1) revise
the
denominator of
the
supplementary
leverage ratio

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and (2) revise

the definition of
"eligible
guarantee" in
the risk-based
capital rules
(comments due
June 13, 2014)
Press release
and notices

To strengthen
the leverage
ratio standards
for large,
interconnected
U.S. banking
organizations
(comments due
October 21,
2013)
Press release
and notice

To address
changes to the
country risk
classifications,
clarify the
treatment of
certain traded
securitization
positions,
make a
technical
amendment to
the definition of
covered
position, and
clarify the
timing of
required
market risk
disclosures
(comments due
September 3,
2013)
Notice (PDF)

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12 CFR 218
R
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

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12 CFR 219
S
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

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financial
records
(comments due
September 29,
2008).
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

12 CFR 220
T
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

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(comments due
November 15,
2002)
Notice (106 KB
PDF)

List of Foreign
Margin Stocks

12 CFR 221
U
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

12 CFR 222
V
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

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Agencies issue
frequently asked
questions on identity
theft rules
Press release
concerning Fair
Credit Reporting Act
and privacy notices

Proposed
Amendments
To amend the
definition of
"creditor" and
update a cross-
reference
(comments due
April 21, 2014)
Press release
and notice

To revise the
content
requirements
for risk-based
pricing notices
and to add
related model
forms to reflect
the new credit
score
disclosure
requirements
(comments due
April 14, 2011)
Press release
and notice

Advance notice
of proposed
rulemaking to
identify
possible
additions to the
information
furnished to
consumer
reporting
agencies
(comments due
August 31,
2009)

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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

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

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agencies
(comments due
February 11,
2008)
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

On new
regulation
(comments due
December 4,
2000)
Press release
and notice

12 CFR 223
W
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

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Proposed
Amendments
To simplify
regulatory
capital
requirements
for qualifying
community
banking
organizations
by giving them
an option to
calculate a
simple
leverage ratio
(comments due
April 9, 2019)
Press release
and notice |
Submit
Comments

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)

12 CFR 224
X
Borrowers of
Securities Credit
Applies the provisions
of Regulations T and

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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

12 CFR 225
Y
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
| Order Delegating
Authority (PDF) |
Information security
compliance guide

Proposed
Amendments

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To simplify and
increase
transparency of
rules for
determining
control of a
banking
organization
(comments due
July 15, 2019)
Press release
and notice │
Submit
Comments

To revise the
framework for
applying the
enhanced
prudential
standards
applicable to
foreign banking
organizations
under the
Dodd-Frank
Act (comments
due June 21,
2019)
Press release
and notice │
Submit
Comments

To raise the
threshold for
residential real
estate
transactions
requiring an
appraisal from
$250,000 to
$400,000
(comments due
February 5,
2019)
Press release
and notice

To simplify
regulatory
capital

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requirements
for qualifying
community
banking
organizations
by giving them
an option to
calculate a
simple
leverage ratio
(comments due
April 9, 2019)
Press release
and notice |
Submit
Comments

To establish
risk-based
categories for
determining
prudential
standards for
large U.S.
banking
organizations,
to amend
certain
prudential
standards, and
to make
corresponding
changes to
reporting forms
(comments due
January 22,
2019)
Press release
and notice

To raise the
threshold for
commercial
real estate
transactions
requiring an
appraisal to
$400,000
(comments due
September 29,
2017)
Press release

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and notice

To revise the
capital plan
and stress test
rules for large
bank holding
companies and
U.S.
intermediate
holding
companies of
foreign banks
(comments due
November 25,
2016)
Press release
and notice

To adopt
additional
limitations on
the physical
commodity
trading
activities of
financial
holding
companies
(comments due
February 20,
2017)
Press release
and notice |
Extension of
comment
period

To promote
financial
stability by
improving the
resolvability
and resiliency
of the largest
domestic and
foreign banking
organizations
operating in the
United States
(comments due
February 1,

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2016)
Press release
and notice

To revise the
capital plan
and stress test
rules for large
bank holding
companies and
certain banking
organizations
with total
consolidated
assets of more
than $10 billion
(comments due
September 24,
2015)
Press release
and notice

To expand the
applicability of
the Small Bank
Holding
Company
Policy
Statement for
small bank
holding
companies and
certain savings
and loan
holding
companies and
to reduce
reporting
requirements
(comments due
March 5, 2015)
Press release
and notice

To adjust the
timeframe for
the annual
submissions of
capital plans
and to clarify
other aspects
of the capital

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plan rule
(comments due
August 11,
2014)
Press release
and notice

To implement
minimum
requirements
for state
registration and
supervision of
appraisal
management
companies
(comments due
June 9, 2014)
Press release
and notice

To address
changes to the
country risk
classifications,
clarify the
treatment of
certain traded
securitization
positions,
make a
technical
amendment to
the definition of
covered
position, and
clarify the
timing of
required
market risk
disclosures
(comments due
September 3,
2013)
Notice (PDF)

To revise the
minimum risk-
based capital
requirements
and criteria for
regulatory

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capital, as well
as establish a
capital
conservation
buffer
framework,
consistent with
Basel III
(comments due
September 7,
2012)
Press release
and notice |
Extension of
comment
period
(comments due
October 22,
2012)

To supplement
a previous
notice of
proposed
rulemaking (76
FR 7731 (PDF)
by clarifying
the
requirements
for determining
whether a
company is
"predominantly
engaged in
financial
activities"
(comments due
May 25, 2012)
Press release
and notice |
Correction
(PDF)

To amend an
earlier notice of
proposed
rulemaking by
providing
alternatives for
calculating
specific risk
capital

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requirements
for debt and
securitization
positions that
do not rely on
credit ratings
(comments due
February 3,
2012)
Press release
and notice

To require
large bank
holding
companies to
submit annual
capital plans
for review
(comments due
August 5,
2011)
Press release
and notice

To require
large,
systemically
significant bank
holding
companies and
nonbank
financial
companies to
submit annual
resolution
plans and
quarterly credit
exposure
reports
(comments due
June 10, 2011)
Press release
and notice

To designate
systemically
important
nonbank
financial
companies for
consolidated

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supervision by
the Board
(comments due
March 30,
2011)
Press release
and notice

To revise the
market risk
capital rules to
modify their
scope, reduce
procyclicality,
enhance the
sensitivity to
certain risks,
and increase
transparency
Press release
and notice

To revise the
advanced risk-
based capital
adequacy
standards and
revise the
general risk-
based capital
rules
Press release
and notice

To implement
provisions of
the Dodd–
Frank Act that
give entities a
defined period
of time to
conform their
activities and
investments to
the "Volcker
Rule"
Press release
and notice

Interagency
notice
regarding
alternatives to

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the use of
credit ratings in
the risk-based
capital
guidelines
Press release
and notice

Interagency
notice of a
proposed
regulatory
capital rule
related to the
Financial
Accounting
Standards
Board's
adoption of
Statements of
Financial
Accounting
Standards Nos.
166 and 167
Press release
and notice

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

Interagency
notice of

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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

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

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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

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,

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2007)
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

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

To permit
financial
holding
companies to
act as real
estate brokers
and managers
Press release
and notice |

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Extension of
comment
period
(comments due
May 1, 2001)

Regarding
financial data
processing
activities
(comments due
February 16,
2001)
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

12 CFR 226
Z
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
| Compliance guide

Proposed
Amendments

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To detail the
method that
will be used to
make annual
inflation
adjustments to
the threshold
for exempting
small loans
from higher
priced
mortgage loan
appraisal
requirements
(comments due
September 6,
2016)
Press release
and notices

To detail the
method that
will be used to
adjust the
thresholds for
exempting
certain
consumer
credit
transactions
(comments due
September 6,
2016)
Press release
and notices

To create
exemptions
from certain
appraisal
requirements
for a subset of
higher-priced
mortgage loans
(comments due
September 9,
2013)
Press release
and notice

To establish
new appraisal

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requirements
for "higher-risk
mortgage
loans"
(comments due
October 15,
2012)
Press release
and notice

To expand the
scope of the
ability-to-repay
requirement for
consumer
mortgages and
to implement
limits on
prepayment
penalties
(comments due
July 22, 2011)
Press release
and notice

To expand the
minimum
period for
mandatory
escrow
accounts and
implement new
disclosure
requirements
(comments due
May 2, 2011)
Press release
and notice

To increase the
threshold for
exempt
consumer
credit
transactions
and to adjust
annually to
reflect any
increase in the
Consumer
Price Index
Press release

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and notice

To clarify
aspects of final
rules published
on February 22
and June 29,
2010, in the
Federal
Register
(comments due
January 3,
2011)
Press release
and notice

To enhance
consumer
protections and
disclosures for
home
mortgage
transactions as
part of the
second phase
of a
comprehensive
review
(comments due
December 23,
2010)
Press release
and notice

To revise the
escrow
account
requirements
for higher-
priced
mortgage loans
(comments due
October 25,
2010)
Press release
and notice

To protect
credit card
users from
unreasonable
penalty fees
and to require

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credit card
issuers to
reevaluate
increases in
interest rates
(comments due
April 14, 2010)
Press release
and notice

To protect
consumers
who use credit
cards from a
number of
potentially
costly practices
by requiring
greater
transparency in
the disclosure
of the terms
and conditions
of credit card
accounts
(comments due
November 20,
2009)
Press release
and notice

To revise the
format, timing,
and content
requirements
for the four
main types of
home-equity
lines of credit
disclosures
(comments due
December 24,
2009)
Press release
and notice

To revise the
rules for
disclosures of
closed-end
credit secured
by real

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property or a
consumer's
dwelling
(comments due
December 24,
2009)
Press release
and notice

To clarify
certain aspects
of the
December
2008 final rule
amending
provisions that
apply to open-
end credit that
is not home-
secured
(comments due
June 4, 2009)
Press release
and notice

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

To revise the
disclosure
requirements
for mortgage
loans and
implement the
Mortgage
Disclosure
Improvement
Act (comments
due January
23, 2009;

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comments
period
extended
through
February 9,
2009)
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

To protect
consumers
from unfair or
deceptive
home
mortgage

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lending and
advertising
practices
(comments due
April 8, 2008)
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

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

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public
comment
period on a
review of the
open-end
credit rules
(comments due
December 16,
2005)
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

12 CFR 227
AA (Repealed)
Press release and
notice (effective
March 21, 2016)

12 CFR 228
BB
Community
Reinvestment
Implements the
Community
Reinvestment Act
and encourages
banks to help meet
the credit needs of
their communities

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Regulation (GPO) |
Recent amendments
| Compliance guide

Proposed
Amendments

To conform to
HMDA
regulation
changes and
remove
obsolete
references to
the
Neighborhood
Stabilization
Program
(comments due
October 20,
2017)
Press release
and notice

To encourage
depository
institutions to
support the
Neighborhood
Stabilization
Program
administered
by the U.S.
Department of
Housing and
Urban
Development
(comments due
July 26, 2010)
Press release
and notice

Interagency
notice of
proposed
amendments to
require the
agencies to
consider low-
cost education
loans provided
to low-income

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borrowers
when
assessing a
financial
institution's
record of
meeting
community
credit needs
Press release
and notice

12 CFR 229
CC
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 amendments
Compliance guide |
Compliance with
Regulation CC: A
Guide for Financial
Institutions

Proposed
Amendments
To implement a
statutory
requirement to
adjust for
inflation the
amount of
funds
depository
institutions
must make
available to
their customers
and to provide
additional

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opportunity for
public
comment on
certain
amendments
published in
2011
(comments due
February 8,
2019)
Press release
and notice

To address
situations
where there is
a dispute as to
whether a
check has
been altered or
is a forgery,
and the original
paper check is
not available
for inspection
(comments due
August 1,
2017)
Press release
and notice

To encourage
depositary
banks to
receive and
paying banks
to send
returned
checks
electronically,
as well as
other
amendments to
further reflect
the evolution of
the nation's
check
collection
system from
paper-based to
electronic
(comments due

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May 2, 2014)
Press release
and notice

To facilitate the
banking
industry's
ongoing
transition to
fully electronic
interbank
check
collection and
return
(comments due
June 3, 2011)
Press release
and notice

12 CFR 230
DD (Repealed)
Press release and
notice (effective June
30, 2014)

12 CFR 231
EE
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)

Proposed
Amendments

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To apply
netting
protections to a
broader range
of financial
institutions
(comments due
July 1, 2019)
Press release
and notice │
Submit
Comments

12 CFR 232
FF
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)

12 CFR 233
GG
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

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connected to unlawful
Internet gambling

Regulation (GPO) |
Press release and
notice | Compliance
guide

12 CFR 234
HH
Designated
Financial Market
Utilities
Establishes
standards and
procedures related to
the supervision of
financial market
utilities designated as
systemically
important (effective
September 14, 2012)
Regulation (GPO) |
Press release and
notice

Proposed
Amendments
To amend the
risk-
management
standards for
certain
financial
market utilities
designated as
systemically
important
(comments due
March 31,
2014)
Press release
and notice

To set out the

conditions and
requirements
for a Federal
Reserve Bank
to open and
maintain

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accounts for
and provide
financial
services to
financial
market utilities
designated as
systemically
important
(comments due
May 3, 2013)
Press release
and notice

12 CFR 235
II
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 (effective
October 1, 2011)
Regulation (GPO) |
Press release and
notice | Compliance
guide | Frequently
asked questions

12 CFR 236
JJ (Proposed)
Incentive-Based
Compensation
Arrangements
Ensures that
regulated financial
institutions design
their incentive
compensation
arrangements to take

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account of risk
Press release and
notice

12 CFR 237
KK
Swaps Margin
and Swaps Push-
Out
Establishes margin
and capital
requirements for
swap dealers and
swap participants
Press release and
notice

Proposed
Amendments
To change the
swap margin
rules to
facilitate the
implementation
of prudent risk-
management
strategies at
certain banks
and swap
entities
(comments due
January 23,
2020)
Press release
and notice │
Submit
Comments │
Extension of
comment
period

To amend
swap margin
requirements
to conform with
recent rule
changes that
impose new
restrictions on
certain

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qualified
financial
contracts of
systemically
important
banking
organizations
(comments due
April 23, 2018)
Press release
and notice

To establish
minimum
margin and
capital
requirements
for covered
swap entities
(comments due
November 24,
2014)
Press release
and notice

To reopen the
comment
period
(comments due
November 26,
2012)
Press release
and notice

To extend the
comment
period for
proposed
Regulation KK
(comments due
July 11, 2011)
Notice (PDF)

12 CFR 238
LL
Savings and Loan
Holding
Companies
Regulates the
acquisition of control

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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

Regulation (GPO) |
Press release and
notice (effective
September 13, 2011,
comments due
November 1, 2011) |
Order Delegating
Authority (PDF)

Proposed
Amendments
To simplify and
increase
transparency of
rules for
determining
control of a
banking
organization
(comments due
July 15, 2019)
Press release
and notice │
Submit
Comments

To revise the
framework for
applying the
enhanced
prudential
standards
applicable to
foreign banking
organizations
under the
Dodd-Frank
Act (comments
due June 21,
2019)

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Press release
and notice │
Submit
Comments

To modify
company-run
stress testing
requirements
to conform with
the Economic
Growth,
Regulatory
Relief, and
Consumer
Protection Act
(comments due
March 21,
2019)
Press release
and notice |
Submit
Comments |
Correction

To simplify
regulatory
capital
requirements
for qualifying
community
banking
organizations
by giving them
an option to
calculate a
simple
leverage ratio
(comments due
April 9, 2019)
Press release
and notice |
Submit
Comments

To increase the
major assets
prohibition
thresholds that
restrict the
ability of a
director or

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other
management
official to serve
at more than
one depository
institution or
depository
holding
company
Press release
and notice |
Submit
Comments

To establish
risk-based
categories for
determining
prudential
standards for
large U.S.
banking
organizations,
to amend
certain
prudential
standards, and
to make
corresponding
changes to
reporting forms
(comments due
January 22,
2019)
Press release
and notice

To better align
the Board’s
rating system
for large
financial
institutions with
the post-crisis
supervisory
program for
these firms
(comments due
February 15,
2018)
Press release
and notices

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| Extension of
comment
period

To expand the
applicability of
the Small Bank
Holding
Company
Policy
Statement for
small bank
holding
companies and
certain savings
and loan
holding
companies and
to reduce
reporting
requirements
(comments due
March 5, 2015)
Press release
and notice

12 CFR 239
MM
Mutual Holding
Companies
(1) Regulates the
reorganization of
mutual savings
associations to
mutual holding
companies and the
creation of subsidiary
holding companies of
mutual holding
companies, (2)
defines and regulates
the operations of
mutual holding
companies and their
subsidiary holding
companies, and (3)
sets forth procedures
for securing approval
for these transactions

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Regulation (GPO) |
Press release and
notice (effective
September 13, 2011,
comments due
November 1, 2011) |
Order Delegating
Authority (PDF)

12 CFR 240
NN
Retail Foreign
Exchange
Transactions
Sets standards for
banking organizations
regulated by the
Federal Reserve that
engage in certain
types of foreign
exchange
transactions with
retail consumers
Press release and
notice

12 CFR 241
OO
Securities
Holding
Companies
Outlines the
procedures for
securities holding
companies to elect to
be supervised by the
Federal Reserve
(effective July 20,
2012)
Regulation (GPO) |
Press release and
notice

12 CFR 242
PP
Definitions
Relating to Title I
of the Dodd-

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Frank Act
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
(effective May 6,
2013)
Press release and
notice

Proposed
Amendments
To establish
risk-based
categories for
determining
prudential
standards for
large U.S.
banking
organizations,
to amend
certain
prudential
standards, and
to make
corresponding
changes to
reporting forms
(comments due
January 22,
2019)
Press release
and notice

12 CFR 243
QQ
Resolution Plans
Requires large,
systemically

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significant bank
holding companies
and nonbank financial
companies to submit
annual resolution
plans (effective
November 30, 2011)
Regulation (GPO) |
Press release and
notice

Proposed
Amendments
To modify the
resolution plan
requirements
by keeping the
existing plan
expectations in
place for the
largest banking
firms, while
reducing
requirements
for smaller
firms that pose
less risk
(comments due
June 21, 2019)
Press release
and notice │
Submit
Comments

12 CFR 244
RR
Credit Risk
Retention
Establishes
requirements for
sponsors of asset-
backed securities and
the credit risk of the
assets underlying the
securities (effective
February 23, 2015)
Press release and
notice

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Proposed
Amendments
To provide
asset-backed
securities
sponsors with
several options
to satisfy the
risk retention
requirements
and other
revisions to the
proposed rule
published in
the Federal
Register on
April 29, 2011
(comments due
October 30,
2013)
Press release
and notice

To extend the
comment
period for
proposed
Regulation RR
(comments due
August 1,
2011)
Notice (PDF)

12 CFR 246
TT
Supervision and
Regulation
Assessments of
Fees
Establishes annual
assessment fees for
certain bank holding
companies, savings
and loan holding
companies, and
nonbank financial
companies
supervised by the
Federal Reserve

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(effective October 25,

2013)
Press release and
notice

Proposed
Amendments
To raise the
minimum
threshold for
being
considered an
assessed
company and
to adjust the
amount
charged to
certain
assessed
companies
(comments due
January 9,
2020)
Press release
and notice │
Submit
Comments

12 CFR 248
VV
Proprietary
Trading and
Relationships
with Covered
Funds
Establishes
prohibitions and
restrictions on
proprietary trading
and investments in or
relationships with
covered funds by
certain banking
entities
Press release and
notice

Proposed
Amendments

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To exclude
certain
community
banks from the
Volcker rule
(comments due
March 11,
2019)
Press release
and notice |
Submit
Comments

To simplify and
tailor
compliance
requirements
relating to the
Volcker rule
(comments due
October 17,
2018)
Press release
and notice
| Extension of
comment
period

To extend the
comment
period for
proposed
Regulation VV
(comments due
February 13,
2012)
Notice (PDF)

12 CFR 249
WW
Liquidity Risk
Measurement
Standards
Establishes a
minimum liquidity
standard for certain
Board-regulated
institutions on a
consolidated basis

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Press release and

notice

Proposed
Amendments
To determine
whether to
apply new
liquidity
requirements
to the branches
of foreign
banks
(comments due
June 21, 2019)
Press release
and notice │
Submit
Comments

Request for
comment on a
framework that
would more
closely match
the regulations
for large
banking
organizations
with their risk
profiles
(comments due
January 22,
2019)
Press release
and notice

To establish
restrictions for
G-SIBs
regarding the
terms of their
non-cleared
qualified
financial
contracts
(comments due
August 5,
2016)
Press release
and notice

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To implement a
stable funding
requirement,
the net stable
funding ratio,
for large and
internationally
active banking
organizations
(comments due
August 5,
2016)
Press release
and notice

To require
large banking
organizations
to publicly
disclose
several
measures of
their liquidity
profile
(comments due
February 2,
2016)
Press release
and notice

To amend the
liquidity
coverage ratio
requirement to
include certain
U.S. municipal
securities as
high-quality
liquid assets
(comments due
July 24, 2015)
Press release
and notice

12 CFR 251
XX
Concentration
Limit
Establishes a
financial sector

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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 (effective
January 1, 2015)
Press release and
notice

Proposed
Amendments
To simplify
regulatory
capital
requirements
for qualifying
community
banking
organizations
by giving them
an option to
calculate a
simple
leverage ratio
(comments due
April 9, 2019)
Press release
and notice |
Submit
Comments

12 CFR 252
YY
Enhanced
Prudential
Standards
Implements the
enhanced prudential
standards and the
early remediation

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requirements
mandated by the
Dodd-Frank Act for
large bank holding
companies and
systemically
important nonbank
financial firms
(effective November
15, 2012)

Regulation (GPO) |
Press release and
notice | Frequently
Asked Questions

Proposed
Amendments
To establish
risk-based
capital
requirements
for depository
institution
holding
companies that
are significantly
engaged in
insurance
activities
(comments due
January 22,
2020)
Press release
and notice |
Submit
Comments │
Extension of
comment
period

To revise the
framework for
applying the
enhanced
prudential
standards
applicable to
foreign banking
organizations
under the
Dodd-Frank

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Act (comments
due June 21,
2019)
Press release
and notice │
Submit
Comments

To modify
company-run
stress testing
requirements
to conform with
the Economic
Growth,
Regulatory
Relief, and
Consumer
Protection Act
(comments due
March 21,
2019)
Press release
and notice |
Submit
Comments |
Correction

To establish
risk-based
categories for
determining
prudential
standards for
large U.S.
banking
organizations,
to amend
certain
prudential
standards, and
to make
corresponding
changes to
reporting forms
(comments due
January 22,
2019)
Press release
and notice

To revise the

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policy
statement on
the scenario
design
framework for
stress testing
(comments due
January 22,
2018)
Press release
and notice

Request for
comment on a
proposed
policy
statement on
the approach
to supervisory
stress testing
(comments due
January 22,
2018)
Press release
and notice

To revise the
capital plan
and stress test
rules for large
bank holding
companies and
U.S.
intermediate
holding
companies of
foreign banks
(comments due
November 25,
2016)
Press release
and notice

To apply
enhanced
prudential
standards to
systemically
important
insurance
companies
designated by

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FSOC
(comments due
August 17,
2016)
Press release
and notice

To establish
restrictions for
G-SIBs
regarding the
terms of their
non-cleared
qualified
financial
contracts
(comments due
August 5,
2016)
Press release
and notice

To establish
single-
counterparty
credit limits for
certain
domestic and
foreign bank
holding
companies
(comments due
June 3, 2016)
Press release
and notice

To promote
financial
stability by
improving the
resolvability
and resiliency
of the largest
domestic and
foreign banking
organizations
operating in the
United States
(comments due
February 19,
2016)
Press release

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and notice |
Extension of
comment
period

To revise the
capital plan
and stress test
rules for large
bank holding
companies and
certain banking
organizations
with total
consolidated
assets of more
than $10 billion
(comments due
September 24,
2015)
Press release
and notice

To adjust the
timeframe for
the conduct of
company-run
and
supervisory
stress tests
and to clarify
other aspects
of the stress
test rules
(comments due
August 11,
2014)
Press release
and notice

To implement
the enhanced
prudential
standards and
the early
remediation
requirements
for foreign
banking
organizations
and foreign
nonbank

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financial
companies
supervised by
the Board
(comments due
March 31,
2013)
Press release
and notice |
Extension of
comment
period
(comments due
April 30, 2013)

Request for
comment on a
proposed
policy
statement that
would be used
to develop
scenarios for
annual
supervisory
and company-
run stress tests
(comments due
February 15,
2013)
Notice (PDF) |
Supplementary
notice (PDF)

To extend the
comment
period for
proposed
Regulation YY
(comments due
April 30, 2012)
Press release
and notice

12 CFR 250
Miscellaneous
Interpretations
Interpretations (GPO)

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12 CFR 208 and

225
Capital Adequacy
Guidelines
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: January 13, 2020

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