Federal reserve laws

Federal reserve laws DEFAULT

Congress has assigned to the Federal Reserve Board responsibility for implementing certain laws pertaining to a wide range of banking and financial activities. The Board implements those laws in part through its regulations, which are codified in title 12, chapter II, of the Code of Federal Regulations (CFR).*

Below is a list of the Board's regulations and titles. Note that all links in this table take you offsite to the Federal Reserve Board's website. The Board lists the full text of each regulation, all pending proposed amendments and compliance guides for small entities.

 

Reg.

Title

 
 

A

 
 

B

 
 

C

 
 

D

 
 

E

 
 

F

 
 

G

 
 

H

 
 

I

 
 

J

 
 

K

 
 

L

 
 

M

 
 

N

 
 

O

 
 

P

 
 

Q

 
 

S

 
 

T

 
 

U

 
 

V

 
 

W

 
 

X

 
 

Y

 
 

Z

 
 

AA

 
 

BB

 
 

CC

 
 

DD

 
 

EE

 
 

FF

 
 
 *The website of the US Government Printing Office (GPO) has the full text of these regulations and a number of related supplements, including official staff commentaries. These regulations and appendixes are updated annually, with amendments effective as of January 1.

For Regulation A (12 CFR 201) through Regulation S (12 CFR 219), see:
Title 12-Banks and Banking-parts 201 to 219offsite

For Regulation T (12 CFR 220) onward and all supplements, see:
Title 12-Banks and Banking-parts 220 to 299offsite

December 2005

Sours: https://www.newyorkfed.org/banking/regulations

What is the Fed: Supervision and Regulation

Sources:

About Financial Institution Supervision and Credit, Federal Reserve Bank of San Francisco.

Federal Reserve Press Release: Federal Reserve provides additional information to financial institutions on how its supervisory approach is adjusting in light of the coronavirus, March 24, 2020.

The Federal Reserve System Purposes & Functions, Federal Reserve Board of Governors, Tenth Edition, October 2016.

Financial Innovation and Consumer Protection, speech by Ben S. Bernanke, Chairman, Federal Reserve Board of Governors, at the Federal Reserve System’s Sixth Biennial Community Affairs Research Conference, Washington, D.C., April 17, 2009.

Housing, Mortgage Markets, and Foreclosures, speech by Ben S. Bernanke, Chairman, Federal Reserve Board of Governors, at the Federal Reserve System Conference on Housing and Mortgage Markets, Washington, D.C., December 4, 2008.

How is Banking Safer Following the Financial Crisis?, Federal Reserve Bank of San Francisco, Financial Institution Supervision and Credit.

Implementation of the Economic Growth, Regulatory Relief, and Consumer Protection Act, testimony by Randal Quarles, Vice Chairman for Supervision, Federal Reserve Board of Governors, before the Committee on Banking, Housing, and Urban Affairs, U.S. Senate, Washington, D.C., October 2, 2018.

No, Dodd-Frank was neither repealed nor gutted. Here’s what really happened, by Aaron Klein, Brookings Center on Regulation and Markets, May 25, 2018.

Quarterly Banking Profile: Fourth Quarter 2019, Federal Deposit Insurance Corporation.

Quarterly Credit Union Data Summary: 2019 Q4, National Credit Union Administration.

Remarks on “The Squam Lake Report: Fixing the Financial System,” speech by Ben S. Bernanke, Chairman, Federal Reserve Board of Governors, at the Squam Lake Conference, New York, NY, June 16, 2010.

Supervision and Regulation Report, Federal Reserve Board of Governors, May 2019.

Sours: https://www.frbsf.org/education/teacher-resources/what-is-the-fed/supervision-regulation/
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Board of Governors of the Federal Reserve System

Congress has assigned to the Board responsibility for implementing the Federal Reserve Act, which established the Federal Reserve System, and certain other laws pertaining to a wide range of banking and financial activities. The Board implements those laws in part through its regulations, which are codified in title 12, chapter II, of the Code of Federal Regulations (12 CFR 201 et seq.).

On the All Regulations page above, you will find a brief description of each of the Board's regulations, with a link to the full text of the regulation--including interpretations or staff commentary--as it appears on the Electronic Code of Federal Regulations (e-CFR) web site authorized and maintained by the National Archives and Records Administration's Office of the Federal Register and the Government Printing Office (GPO). The e-CFR, which is updated several times a week, is a demonstration project, not the official legal version of the CFR. The official legal version of 12 CFR is updated just once a year, effective January 1, and must be used in conjunction with the Federal Register.

Although the e-CFR incorporates all amendments as they become effective, press releases and Federal Register notices for recent amendments are listed here to make them easier to research. To locate amendments effective before January 1, 2003, go to the Banking and Consumer Regulatory Policy page.

Links to all pending proposed amendments are also provided. During the comment period, comments on proposals may be submitted in writing or by electronic mail (see the text of the proposal for contact details) or by using the electronic comment form provided.

Also included above, are compliance guides for small entities.

Sours: https://www.federalreserve.gov/supervisionreg/regabout.htm
The Fed Explains Bank Supervision and Regulation

The Structure and Functions of the Federal Reserve System

The Federal Reserve System is the central bank of the United States. It was founded by Congress in 1913 to provide the nation with a safer, more flexible, and more stable monetary and financial system. Over the years, its role in banking and the economy has expanded. 

Test your knowledge about the Federal Reserve through these quizzes.

The Federal Reserve has three primary functions: Monetary Policy, Banking Supervision, Financial Services

Board of Governors

The Board of Governors, located in Washington, D.C., provides the leadership for the System.
 
The Board of Governors, also known as the Federal Reserve Board, is the national component of the Federal Reserve System. The board consists of the seven governors, appointed by the president and confirmed by the Senate. Governors serve 14-year, staggered terms to ensure stability and continuity over time. The chairman and vice-chairman are appointed to four-year terms and may be reappointed subject to term limitations.
 
Among the responsibilities of the Board of Governors are to guide monetary policy action, to analyze domestic and international economic and financial conditions, and to lead committees that study current issues, such as consumer banking laws and electronic commerce.
 
The Board also exercises broad supervisory control over the financial services industry, administers certain consumer protection regulations, and oversees the nation's payments system. The Board oversees the activities of Reserve Banks, approving the appointments of their presidents and some members of their boards of directors. The Board sets reserve requirements for depository institutions and approves changes in discount rates recommended by Reserve Banks.
 
The Board's most important responsibility is participating in the Federal Open Market Committee (FOMC), which conducts our nation's monetary policy; the seven governors comprise the voting majority of the FOMC with the other five votes coming from Reserve Bank presidents.
 
Board members are called to testify before Congress, and they maintain regular contact with other government organizations as well. The chairman reports twice a year to Congress on the Fed's monetary policy objectives, testifies on numerous other issues, and meets periodically with the Secretary of the Treasury.
 
The Board funds its operations by assessing the Federal Reserve Banks rather than through Congressional appropriation. Its financial accounts are audited annually by a public accounting firm, and these accounts are also subject to audit by the General Accounting Office.

Federal Reserve Banks

A network of 12 Federal Reserve Banks and 24 branches make up the Federal Reserve System under the general oversight of the Board of Governors. Reserve Banks are the operating arms of the central bank.

Each of the 12 Reserve Banks serves its region of the country, and all but three have other offices within their Districts to help provide services to depository institutions and the public. The Banks are named after the locations of their headquarters - Boston, New York, Philadelphia, Cleveland, Richmond, Atlanta, Chicago, St. Louis, Minneapolis, Kansas City, Dallas and San Francisco.

The Reserve Banks serve banks, the U.S. Treasury, and, indirectly, the public. A Reserve Bank is often called a "banker's bank," storing currency and coin, and processing checks and electronic payments. Reserve Banks also supervise commercial banks in their regions. As the bank for the U.S. government, Reserve Banks handle the Treasury's payments, sell government securities and assist with the Treasury's cash management and investment activities. Reserve Banks conduct research on regional, national and international economic issues. Research plays a critical role in bringing broad economic perspectives to the national policymaking arena and supports Reserve Bank presidents who all attend meetings of the Federal Open Market Committee (FOMC).

Each Reserve Bank's board of directors oversees the management and activities of the District bank. Reflecting the diverse interests of each District, these directors contribute local business experience, community involvement and leadership. The board imparts a private-sector perspective to the Reserve Bank. Each board appoints the president and first vice president of the Reserve Bank, subject to the approval of the Board of Governors.

All member banks hold stock in Reserve Banks and receive dividends. Unlike stockholders in a public company, banks cannot sell or trade their Fed stock. Reserve Banks interact directly with banks in their Districts through examinations and financial services and bring important regional perspectives that help the entire Federal Reserve System do its job more effectively.

Member Banks

Approximately 38 percent of the 8,039 commercial banks in the United States are members of the Federal Reserve System. National banks must be members; state-chartered banks may join if they meet certain requirements. The member banks are stockholders of the Reserve Bank in their District and as such, are required to hold 3 percent of their capital as stock in their Reserve Banks.

Other Depository Institutions

In addition to the approximately 3,000 member banks, about 17,000 other depository institutions provide the American people checkable deposits and other banking services. These depository institutions include nonmember commercial banks, savings banks, savings and loan associations, and credit unions. Although not formally part of the Federal Reserve System, these institutions are subject to System regulations, including reserve requirements, and have access to System payments services.

Federal Open Market Committee

The Federal Open Market Committee, or FOMC, is the Fed's monetary policymaking body. It is responsible for formulation of a policy designed to promote stable prices and economic growth. Simply put, the FOMC manages the nation's money supply.
 
The voting members of the FOMC are the Board of Governors, the president of the Federal Reserve Bank of New York and presidents of four other Reserve Banks, who serve on a rotating basis. All Reserve Bank presidents participate in FOMC policy discussions. The chairman of the Board of Governors chairs the FOMC.
 
The FOMC typically meets eight times a year in Washington, D.C. At each meeting, the committee discusses the outlook for the U.S. economy and monetary policy options.
 
The FOMC is an example of the interdependence built into the Fed's structure. It combines the expertise of the Board of Governors and the 12 Reserve Banks. Regional input from Reserve Bank directors and advisory groups brings the private sector perspective to the FOMC and provides grassroots input for monetary policy decisions.

Advisory Councils

Three statutory advisory councils - the Federal Advisory Council, the Consumer Advisory Council, and the Thrift Institutions Advisory Council - advise the Board on matters of current interest. These councils, whose members are drawn from each of the 12 Federal Reserve Districts, meet two to four times a year. The individual Reserve Banks have advisory committees as well, including thrift institutions advisory committees, small business and agricultural advisory committees. Moreover, officials from all Reserve Banks meet periodically in various committees.

Sours: https://www.federalreserveeducation.org/about-the-fed/structure-and-functions

Laws federal reserve

Board of Governors of the Federal Reserve System

Proposed Amendments
To require supervised banking organizations to promptly notify their primary federal regulator in the event of a computer security incident (comments due April 12, 2021)
Press release and notice │ Submit Comments

To update the Board's capital planning requirements to be consistent with other Board rules that were recently modified (comments due November 20, 2020)
Press release and notice │ Submit Comments

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

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

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 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

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 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, 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 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 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 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 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 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 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

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, 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 | 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

Sours: https://www.federalreserve.gov/supervisionreg/reglisting.htm
The Fed Explains Bank Supervision and Regulation

Federal Reserve Regulations

What Are Federal Reserve Regulations?

Federal Reserve regulations are rules put in place by the Federal Reserve Board to regulate the practices of banking and lending institutions, usually in response to laws enacted by the legislature. Regulating and supervising the banking system is one of the primary functions of the Federal Reserve System. The goal of most Federal Reserve regulations is to promote the stability of the banking system.

Key Takeaways

  • One of the Federal Reserve System’s primary functions is to act as regulator and supervisor of banks and the banking system in the U.S.
  • The Fed issues and enforces regulations that limit the lending and other activities of member banks, for both microprudential and macroprudential purposes.
  • In its regulatory function (and others) the Fed is broadly assumed to act in the public interest, but the actual history and content of Fed rules and policy tend to reflect the interests of its most powerful political and financial stakeholders. 

Understanding Federal Reserve Regulations

One of the primary functions of the Federal Reserve System is to regulate and supervise the nation’s banking system. The Fed Board of Governors is ultimately responsible for these activities, which it executes through the regional Fed banks. The Board promulgates regulations for banking practices and capital requirements to further its own monetary and financial policy and to implement laws enacted by Congress.

Federal Reserve regulations are legally binding on member banks and banks that violate them can be shut down by the Fed. They are explicit, written rules that banks must follow. The Fed also conducts supervision of the banks, examining banks’ practices, evaluating their compliance with the letter and intent of Federal Reserve regulations, and taking enforcement actions.

Federal Reserve regulation and supervision follow two broad principles of microprudential and macroprudential functions. Microprudential regulation and supervision involves the examination and enforcement of regulations upon specific banks to hold them to prudential standards of lending honesty, riskiness, and sound capital requirements. Macroprudential regulation and supervision involves broad rules that are aimed at promoting the soundness of the financial system as a whole against systemic risk.

Fed regulation of the financial system has been a frequent topic of debate and a target of criticism following episodes of financial crisis such as the Great Recession. As a quasi-public entity, nominally privately owned but established and empowered by federal law, the Fed is generally expected to act in the public interest. However, like any regulator, the Fed can be subject to conflicts of interest and public choice issues including rent-seeking and regulatory capture, which may be reflected in its policies and regulations.

History of Federal Reserve Banking Regulation

Prior to the Civil War, the regulation of banks was mostly a matter dealt with by the individual states, with the exceptions of First and Second Banks of the U.S., short-lived precursors to the Federal Reserve System that were administered by the federal government. Otherwise, national regulation of the banking system essentially consisted only of the Constitution's requirement that no state could require anything other than gold or silver as legal tender for debts.

This period was known as the era of free banking, because state-regulated banks were generally free to compete in the issuance of loans and paper notes backed by gold or silver money. Banks that over-issued notes relative to their reserves risked market discipline in the form of bank runs and failing public confidence, and states that allowed their chartered banks to do so risked market discipline in the form of local economic downturns due to debt deflation. Banking panics and financial crises were not uncommon, but they were short lived and localized due to the decentralized nature of the banking system. Overall, the country maintained an extended period of economic growth and stability.

Beginning in 1862, in order to help finance the war, the federal government enacted the Legal Tender Act and the National Banking Acts, a series of laws that sought to drive state-chartered banks out of the market and replace them with nationally chartered banks using a single, national paper currency. This included the creation of national charters for banks (with accompanying regulations and reserve requirements), the abandonment of the gold standard in favor of the issuance of the first federally sanctioned paper currency (known as “greenbacks”), and heavy punitive taxes on state banks in order to drive their notes off the market in favor of the new paper money issued by federally chartered banks.

The power and importance of nationally chartered banks operating out of the country's major financial centers such as New York increased and the activity of state-chartered banks was suppressed. State-chartered and state-regulated banks recovered somewhat in the decades following the war with the increasing popularity of checking accounts in place of bank-issued notes.

By the early 20th century the numbers of both state- and nationally chartered banks had grown along with the U.S. economy. Rampant issuance of credit to fuel speculation in commodity and stock markets by the expanding number of banks and related financial institutions led to asset bubbles. The periodic bursting of these bubbles, coupled with increasing interconnections between banks through the system of nationally networked banks operating on Wall Street and the major regional commercial hubs created increased systemic risk and episodes of widespread debt deflation.

The previously short-lived, local financial panics now tended to broaden in scale and scope and threaten the interests of the large financial institutions of the northeastern financial centers. This culminated in the Panic of 1907 and a national recession from 1907-1908. In the wake of the Panic of 1907, Congress members form the northeastern states and representatives of the major Wall Street banks began to draw up plans to further centralize control and regulation of the banking system in order to protect the interests of the large, well-established, and well-connected banks that dominated the nation’s major financial centers.

These plans came to fruition with the establishment of the Federal Reserve System in 1913, under the Federal Reserve Act. Under the Act, all banks were legally required to join the Federal Reserve System, which would then function as a kind of national banking cartel controlled by the largest and most powerful banks, accountable in turn to congressional committees whose members are normally closely connected to the major banking interests. Through its regulatory and supervisory functions, the Federal Reserve acts as the legal enforcer of this cartel, to constrain member banks from engaging in lending or other activities that may be profitable to them individually but may increase risks to the interests of the financial sector as a whole.

Since its establishment, the Fed has issued a large volume of specific regulations and requirements for member banks. Some Fed regulations have later been reversed, and some of those have later been reinstated. The overall content of the Fed banking rules and policies represents a complex, emergent outcome of competing financial and political stakeholders interacting through the process of authorizing legislation, regulation, lobbying, and negotiation with special interest groups.

List of Federal Reserve Regulations

Because many of the Federal Reserve regulations have lengthy official titles, they are more often referred to by their assigned regulation letter, such as Regulation D, T, or Z. These letters are assigned in alphabetical order as new regulations are enacted, with newer regulations having to resort to a double-letter format such as AA, BB, etc. A summary of Federal Reserve regulations is as follows:

  • A: Extensions of Credit by Federal Reserve Banks
  • B: Equal Credit Opportunity
    Prohibits lenders from discriminating against borrowers
  • C: Home Mortgage Disclosure (Repealed)
    Requires mortgage lenders to disclose information about their lending patterns to the federal government
  • D: Reserve Requirements of Depository Institutions
  • E: Electronic Fund Transfers
  • F: Limitations on Interbank Liabilities
  • G: Disclosure and Reporting of CRA-Related Agreements
  • H: Membership of State Banking Institutions in the Federal Reserve System
  • I: Issue and Cancellation of Federal Reserve Bank Capital Stock
    Establishes stock-subscription requirements for member banks
  • J: Collection of Checks and Other Items by Federal Reserve Banks and Funds Transfers through Fedwire
  • K: International Banking Operations
    Oversees international operations of U.S. banks and foreign banks in the U.S.
  • L: Management Official Interlocks
    Places restrictions on the management relationships officials may have with multiple depository institutions
  • M: Consumer Leasing
    Implements the Truth in Lending Act
  • N: Relations with Foreign Banks and Bankers
  • O: Loans to Executive Officers, Directors, and Principal Shareholders of Member Banks
  • P: Privacy of Consumer Information (Repealed)
    Implements the Gramm-Leach-Bliley Act
  • Q: Capital Adequacy of Bank Holding Companies, Savings and Loan Holding Companies, and State Member Banks
  • R: Exceptions for Banks from the Definition of Broker in the Securities Exchange Act of 1934
  • S: Reimbursement to Financial Institutions for Providing Financial Records; Recordkeeping Requirements for Certain Financial Records
  • T: Credit by Brokers and Dealers
  • U: Credit by Banks and Persons other than Brokers or Dealers for the Purpose of Purchasing or Carrying Margin Stock
  • V: Fair Credit Reporting
  • W: Transactions between Member Banks and Their Affiliates
    Implements sections 23A and 23B of the Federal Reserve Act
  • Y: Bank Holding Companies and Change in Bank Control
  • Z: Truth in Lending
  • AA: Unfair or Deceptive Acts or Practices (Repealed)
  • BB: Community Reinvestment
    Implements the Community Reinvestment Act
  • CC: Availability of Funds and Collection of Checks
  • DD: Truth in Savings (Repealed)
  • EE: Netting Eligibility for Financial Institutions
  • FF: Obtaining and Using Medical Information in Connection with Credit
  • GG: Prohibition on Funding of Unlawful Internet Gambling
  • HH: Designated Financial Market Utilities
  • II: Debit Card Interchange Fees and Routing
  • JJ: Incentive-Based Compensation Arrangements
  • KK: Swaps Margin and Swaps Push-Out
  • LL: Savings and Loan Holding Companies
  • MM: Mutual Holding Companies
  • NN: Retail Foreign Exchange Transactions
  • OO: Securities Holding Companies
  • PP: Definitions Relating to Title I of the Dodd-Frank Act
  • QQ: Resolution Plans
  • RR: Credit Risk Retention
  • TT: Supervision and Regulation Assessments of Fees
  • VV: Proprietary Trading and Relationships with Covered Funds
  • WW: Liquidity Risk Measurement Standards
  • XX: Concentration Limit
  • YY: Enhanced Prudential Standards
Sours: https://www.investopedia.com/terms/f/federal-reserve-regulations.asp

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