FDIC Law, Regulations, Related Acts

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7500 - FRB Regulations

TABLE OF CONTENTS

FEDERAL RESERVE ACT

SEC. 11 Reports of assets and liabilities
SEC. 11A Pricing of services
SEC. 19(b) Reserve requirements
SEC. 19(c) Form of reserves
SEC. 22(d) [Reserved]
SEC. 22(g) Loans to executive officers of banks
SEC. 22(h) Extensions of credit to executive officers, directors, and principal shareholders of member banks
SEC. 23A Banking Affiliates Act of 1982
(a) Restrictions on transactions with affiliates
(b) Definitions
(c) Collateral for certain transactions with affiliates
(d) Exemptions
(e) Rules relating to banks with financial subsidiaries
(f) Rulemaking and additional exemptions
SEC. 23B Restrictions on transactions with affiliates
SEC. 25A Banking corporations authorized to do foreign banking business

PART 204—RESERVE REQUIREMENTS OF DEPOSITORY INSTITUTIONS (REGULATION D)

Regulations

SEC. 204.1 Authority, purpose and scope
SEC. 204.2 Definitions
SEC. 204.3 Reporting and location
SEC. 204.4 Computation of required reserves
SEC. 204.5 Maintenance of required reserves
SEC. 204.6 Changes for reserve deficiencies
SEC. 204.7 Supplemental reserve requirement
SEC. 204.8 International banking facilities
SEC. 204.9 Emergency reserve requirement
SEC. 204.10 Payment of interest on balances

Interpretations

SEC. 204.121 Bankers' banks
SEC. 204.122 Secondary market activities of International Banking Facilities
SEC. 204.123 Sale of federal funds by investment companies or trusts in which the entire beneficial interest is held exclusively by depository institutions
SEC. 204.124 Repurchase agreement involving shares of a money market mutual fund whose portfolio consists wholly of United States Treasury and federal agency securities
SEC. 204.125 Foreign, international, and supranational entities referred to in §§ 204.2(c)(1)(iv)(E) and 204.8(a)(2)(i)(B)(5)
SEC. 204.126 Depository institution participation in ``federal funds'' market
SEC. 204.127 Nondepository participation in ``federal funds'' market
SEC. 204.128 Deposits at foreign branches guaranteed by domestic office of a depository institution
SEC. 204.129 [Removed]
SEC. 204.130 Eligibility for NOW accounts
SEC. 204.131 Participation by a depository institution in the secondary market for its own time deposits
SEC. 204.132 Treatment of loan strip participations
SEC. 204.133 Multiple savings deposits treated as a transaction account
SEC. 204.134 Linked time deposits and transaction accounts
SEC. 204.135 Shifting funds between depository institutions to make use of the low reserve tranche
SEC. 204.136 Treatment of trust overdrafts for reserve requirement reporting purposes

PART 206—LIMITATIONS ON INTERBANK LIABILITIES (REGULATION F)

SEC. 206.1 Authority, purpose, and scope
SEC. 206.2 Definitions
SEC. 206.3 Prudential standards
SEC. 206.4 Credit exposure
SEC. 206.5 Capital levels of correspondents
SEC. 206.6 Waiver

PART 211—INTERNATIONAL BANKING OPERATIONS (REGULATION K)

Subpart A—International Operations of U.S. Banking Organizations

SEC. 211.1 Authority, purpose, and scope
SEC. 211.2 Definitions
SEC. 211.3 Foreign branches of U.S. banking organizations
SEC. 211.4 Permissible activities and investments of foreign branches of member banks
SEC. 211.5 Edge and agreement corporations
SEC. 211.6 Permissible activities of Edge and agreement corporations in the United States
SEC. 211.7 Voluntary liquidation of Edge and agreement corporations
SEC. 211.8 Investments and activities abroad
SEC. 211.9 Investment procedures
SEC. 211.10 Permissible activities abroad
SEC. 211.11 Advisory opinions under Regulation K
SEC. 211.12 Lending limits and capital requirements
SEC. 211.13 Supervision and reporting

Subpart B—Foreign Banking Organizations

SEC. 211.20 Authority, purpose, and scope
SEC. 211.21 Definitions
SEC. 211.22 Interstate banking operations for foreign banking organizations
SEC. 211.23 Nonbanking activities of foreign banking organizations
SEC. 211.24 Approval of offices of foreign banks; procedures for applications; standards for approval; representative office activities and standards for approval; preservation of existing authority
SEC. 211.25 Termination of offices of foreign banks
SEC. 211.26 Examination of offices and affiliates of foreign banks
SEC. 211.27 Disclosure of supervisory information to foreign supervisors
SEC. 211.28 Provisions applicable to branches and agencies: limitation on loans to one borrower
SEC. 211.29 Applications by state branches and state agencies to conduct activities not permissible for federal branches
SEC. 211.30 Criteria for evaluating the U.S. operations of foreign banks not subject to consolidated supervision

Subpart C—Export Trading Companies

SEC. 211.31 Authority, purpose, and scope
SEC. 211.32 Definitions
SEC. 211.33 Investments and extensions of credit
SEC. 211.34 Procedures for filing and processing notices

Subpart D—International Lending Supervision

SEC. 211.41 Authority, purpose and scope
SEC. 211.42 Definitions
SEC. 211.43 Allocated transfer risk reserve
SEC. 211.44 Reporting and disclosure of international assets
SEC. 211.45 Accounting for fees on international loans

Interpretations

SEC. 211.601 Status of certain offices for purposes of the International Banking Act restrictions on interstate banking operations
SEC. 211.602 Investments by United States banking organizations in foreign companies that transact business in the United States
SEC. 211.603 Commodity swap transactions
SEC. 211.604 Data processing activities
SEC. 211.605 Permissible underwriting activities of foreign banks

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

Subpart A—Loans by Member Banks to Their Executive Officers, Directors, and Principal Shareholders

SEC. 215.1 Authority, purpose, and scope
SEC. 215.2 Definitions
SEC. 215.3 Extension of credit
SEC. 215.4 General prohibitions
SEC. 215.5 Additional restrictions on loans to executive officers of member banks
SEC. 215.6 Prohibition on knowingly receiving unauthorized extension of credit
SEC. 215.7 Extensions of credit outstanding on March 10, 1979
SEC. 215.8 Records of member banks
SEC. 215.9 Disclosure of credit from member banks to executive officers and principal shareholders
SEC. 215.10 Reporting requirement for credit secured by certain bank stock
SEC. 215.11 Civil penalties
Appendix A to Part 215–Section 5200 of the Revised Statutes total loans and extensions of credit
Background and summary of Regulation O and FIRA title VIII and IX
Board interpretations of Regulation O
Board rulings and staff opinions interpreting Regulation O

PART 217 [Reserved]

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

Regulations

SEC. 220.1 Authority, purpose, and scope
SEC. 220.2 Definitions
SEC. 220.3 General provisions
SEC. 220.4 Margin account
SEC. 220.5 Special memorandum account
SEC. 220.6 Good faith account
SEC. 220.7 Broker-dealer credit account
SEC. 220.8 Cash account
SEC. 220.9 Clearance of securities, options, and futures
SEC. 220.10 Borrowing and lending securities
SEC. 220.11 Requirements for the list of marginable OTC stocks and the list of foreign margin stocks
SEC. 220.12 Supplement: Margin requirements
SEC. 220.132 Credit to brokers and dealers

Forms

Agreement of Domestic (T–1) and Foreign (T–2) Nonmember Banks (Federal Reserve Form T–1, T–2)
Statement of Purpose of an Extension of Credit by a Creditor (Federal Reserve Form T–4)

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

SEC. 221.1 Authority, purpose, and scope
SEC. 221.2 Definitions
SEC. 221.3 General Requirements
SEC. 221.4 Employee stock option, purchase, and ownership plans
SEC. 221.5 Special purpose loans to brokers and dealers
SEC. 221.6 Exempted transactions
SEC. 221.7 Supplement: Maximum loan value of margin stock and other collateral

Interpretations

SEC. 221.101 Determination and effect of purpose of loan
SEC. 221.102 Application to committed credit where funds are disbursed thereafter
SEC. 221.103 Loans to brokers or dealers
SEC. 221.104 Federal credit unions
SEC. 221.105 Arranging for extensions of credit to be made by a bank
SEC. 221.106 Reliance in ``good faith'' on statement of purpose of loan
SEC. 221.107 Arranging loan to purchase open-end investment company shares
SEC. 221.108 Effect of registration of stock subsequent to making of loan
SEC. 221.109 Loan to open-end investment company
SEC. 221.110 Questions arising under this part
SEC. 221.111 Contribution to joint venture as extension of credit when the contribution is disproportionate to the contributor's share in the venture's profits or losses
SEC. 221.112 Loans by bank in capacity as trustee
SEC. 221.113 Loan which is secured indirectly by stock
SEC. 221.114 Bank loans to purchase stock of American Telephone and Telegraph Company under Employees' Stock Plan
SEC. 221.115 Accepting a purpose statement through the mail without benefit of face-to-face interview
SEC. 221.116 Bank loans to replenish working capital used to purchase mutual fund shares
SEC. 221.117 When bank in ``good faith'' has not relied on stock as collateral
SEC. 221.118 Bank arranging for extension of credit by corporation
SEC. 221.119 Applicability of plan-lender provisions of financing of stock options and stock purchase rights qualified or restricted under Internal Revenue Code
SEC. 221.120 Allocation of stock collateral to purpose and nonpurpose credits to same customer
SEC. 221.121 Extension of credit in certain stock option and stock purchase plans
SEC. 221.122 Applicability of margin requirements to credit in connection with Insurance Premium Funding Programs
SEC. 221.123 Combined credit for exercising employees stock options and paying income taxes incurred as a result of such exercise
SEC. 221.124 Purchase of debt securities to finance corporate takeovers
SEC. 221.125 Credit to brokers and dealers

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

Subpart A — INTRODUCTION AND DEFINITIONS

SEC. 223.1 Authority, purpose and scope
SEC. 223.2 What is an ``affiliate'' for purposes of sections 23A and 23B and this part?
SEC. 223.3 What are the meanings of the other terms used in sections 23A and 23B and this part?

Subpart B — General Provisions of Section 23A

SEC. 223.11 What is the maximum amount of covered transactions that a member bank may enter into with any single affiliate?
SEC. 223.12 What is the maximum amount of covered transactions that a member bank may enter into with all affiliates?
SEC. 223.13 What safety and soundness requirement applies to covered transactions?
SEC. 223.14 What are the collateral requirements for a credit transaction with an affiliate?
SEC. 223.15 May a member bank purchase a low-quality asset from an affiliate?
SEC. 223.16 What transactions by a member bank with any person are treated as transactions with an affiliate?

Subpart C — Valuation and Timing Principles Under Section 23A

SEC. 223.21 What valuation and timing principles apply to credit transactions?
SEC. 223.22 What valuation and timing principles apply to asset purchases?
SEC. 223.23 What valuation and timing principles apply to purchases of and investments in securities issued by an affiliate?
SEC. 223.24 What valuation principles apply to extensions of credit secured by affiliate securities?

Subpart D — Other Requirements Under Section 23A

SEC. 223.31 How does section 23A apply to a member bank's acquisition of an affiliate that becomes an operating subsidiary of the member bank after the acquisition?
SEC. 223.32 What rules apply to financial subsidiaries of a member bank?
SEC. 223.33 What rules apply to derivative transactions?

Subpart E — Exemptions from the Provisions of Section 23A

SEC. 223.41 What covered transactions are exempt from the quantitative limits and collateral requirements?
SEC. 223.42 What covered transactions are exempt from the quantitative limits, collateral requirements, and low-quality asset prohibition?
SEC. 223.43 What are the standards under which the Board may grant additional exemptions from the requirements of section 23A?

Subpart F — General Provisions of Section 23B

SEC. 223.51 What is the market terms requirement of section 23B?
SEC. 223.52 What transactions with affiliates or others must comply with section 23B's market terms requirement?
SEC. 223.53 What asset purchases are prohibited by section 23B?
SEC. 223.54 What advertisements and statements are prohibited by section 23B?
SEC. 223.55 What are the standards under which the Board may grant exemptions from the requirements of section 23B?
SEC. 223.56 What transactions are exempt from the market-terms requirement of section 23B?

Subpart G — Application of Sections 23A and 23B to U.S. Branches and Agencies of Foreign Banks

SEC. 223.61 How do sections 23A and 23B apply to U.S. branches and agencies of foreign banks?

Subpart H — Miscellaneous Interpretations

SEC. 223.71 How do sections 23A and 23B apply to transactions in which a member bank purchases from one affiliate an asset relating to another affiliate?

Subpart I — Savings Associations — Transactions with Affiliates

SEC. 223.72 Transactions with affiliates

PART 224—BORROWERS OF SECURITIES CREDIT (REGULATION X)

SEC. 224.1 Authority, purpose and scope
SEC. 224.2 Definitions
SEC. 224.3 Margin regulations to be applied by nonexempted borrowers

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Last updated December 28, 2012

regs@fdic.gov

Each depositor insured to at least $250,000 per insured bank