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Federal Regulations


RESPA
Bank Secrecy Act (BSA) Regulations (31 CFR Chapter X)
Fair Credit Reporting Act
E-Sign Act
FDIC Advertising Rules
FDIC Deposit Insurance
FDIC Temporary Liquidity Program
FINCEN
Garnishments of Accounts Containing Federal Benefit Payments (31 CFR 212)
Service Members Relief Act
Right to Financial Privacy Act

Regulation A

Extensions of Credit by Federal Reserve Banks
Governs borrowing by depository institutions and others at the Federal Reserve discount window

Regulation 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 C

Home Mortgage Disclosure
Requires certain mortgage lenders to disclose data regarding their lending patterns

Regulation 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 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 F

Limitations on Interbank Liabilities
Prescribes standards to limit the risks that the failure of a depository institution would pose to an insured depository institution


Regulation G - CFPB

Safe Mortgage Licensing Act - Federal Registration of Residential Mortgage Loan Originators
Implements the S.A.F.E. Act's Federal registration requirement for mortgage loan originators

Regulation G - Federal Reserve

Disclosure and Reporting of CRA-Related Agreements
Implements provisions of the Gramm-Leach-Bliley Act that require reporting and public disclosure of written agreements between (1) insured depository institutions or their affiliates and (2) non-governmental entities or persons, made in connection with fulfillment of Community Reinvestment Act requirements

Regulation H - CFPB

S.A.F.E. Mortgage Licensing Act – State Compliance and Bureau Registration System
The purpose of this part is to enhance consumer protection and reduce fraud by directing states to adopt minimum uniform standards for the licensing and registration of residential mortgage loan originators and to participate in a nationwide mortgage licensing system and registry database of residential mortgage loan originators.

Regulation H - Federal Reserve

Membership of State Banking Institutions in the Federal Reserve System
Regulation H defines the membership requirements for state-chartered banks; describes membership privileges and conditions imposed on these banks; sets out procedures for requesting approval to establish branches and for requesting voluntary withdrawal from membership; provides information for registering and filing financial statements; sets out procedures for dealing with banks that are less than adequately capitalized; and establishes real estate lending standards

Regulation I

Issue and Cancellation of Federal Reserve Bank Capital Stock
Sets out stock-subscription requirements for all banks joining the Federal Reserve System
Federal Reserve Regulation I

Regulation J

Collection of Checks and Other Items by Federal Reserve Banks and Funds Transfers through Fedwire
Establishes procedures, duties, and responsibilities among (1) Federal Reserve Banks, (2) the senders and payors of checks and other items, and (3) the senders and recipients of Fedwire funds transfers

Regulation K - CFPB

Purchasers’ Revocation Rights, Sales Practices and Standards

Regulation K - Federal Reserve

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

Regulation L - CFPB

Special Rules of Practice

Regulation L - Federal Reserve

Management Official Interlocks
Generally prohibits a management official from serving two nonaffiliated depository institutions, depository institution holding companies, or any combination thereof, in situations where the management interlock would likely have an anticompetitive effect

Regulation M

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

Regulation N - CFPB

Mortgage Acts and Practices-Advertising

Regulation N - Federal Reserve

Relations with Foreign Banks and Bankers
Governs relationships and transactions between Federal Reserve Banks and foreign banks, bankers or governments

Regulation O - CFPB

Mortgage Assistance Relief Services

Regulation O - Federal Reserve

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 P

Privacy of Consumer Financial Information
Governs how financial institutions use nonpublic personal information about consumers

Regulation Q

Reg Q has been repealed effective 07-21-2011
Prohibition against Payment of Interest on Demand Deposits
Prohibits member banks from paying interest on demand deposits

Regulation 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.

Regulation 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 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 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 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 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 X

Borrowers of Securities Credit
Applies the provisions of Regulations T and U to borrowers who are subject to U.S. laws and who obtain credit within or outside the United States for the purpose of purchasing securities

Regulation 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 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 AA

Unfair or Deceptive Acts or Practices
Establishes consumer complaint procedures and defines unfair or deceptive practices in extending credit to consumers

Regulation BB

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

Regulation 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 DD

Truth in Savings
Requires depository institutions to provide disclosures to enable consumers to make meaningful comparisons of deposit accounts

Regulation 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 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 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 connected to unlawful Internet gambling

Regulation II

*** EFFECTIVE DATE: OCTOBER 1, 2011 ***
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