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Regulation A |
This regulation relates to
extensions of credit by Federal Reserve Banks to depository institutions
and others. It establishes rules under which Federal Reserve Banks may
extend credit to depository institutions and others. |
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Regulation B |
This regulation prohibits
creditor practices that discriminate on the basis of race, color,
religion, national origin, sex, marital status, or age (provided the
applicant has the capacity to contract); to the fact that all or part of
the applicant's income derives from a public assistance program; or to
the fact that the applicant has in good faith exercised any right under
the Consumer Credit Protection Act. The regulation also requires
creditors to notify applicants of action taken on their applications; to
report credit history in the names of both spouses on an account; to
retain records of credit applications; to collect information about the
applicant's race and other personal characteristics in applications for
certain dwelling-related loans; and to provide applicants with copies of
appraisal reports used in connection with credit transactions. |
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Regulation C |
This regulation implements the
Home Mortgage Disclosure Act, which is intended to provide the public
with loan data that can be used to help determine whether financial
institutions are serving the housing needs of their communities; to
assist public officials in distributing public-sector investments so as
to attract private investment to areas where it is needed; and to assist
in identifying possible discriminatory lending patterns and enforcing
antidiscrimination statutes. Requires certain lenders to complete Loan
Application Registers to track home purchase loans, home improvement
loans and refinancing. |
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Regulation D |
This regulation relates to
reserves that depository institutions are required to maintain. It also
provides guidance on NOW account eligibility, MMDA and savings account
transfer restrictions, and early withdrawal penalties. |
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Regulation E |
This regulation protects
individual consumers engaging in electronic fund transfers and carries
out the purposes of the Electronic Fund Transfer Act, which establishes
the basic rights, liabilities, and responsibilities of EFT consumers of
financial institutions that offer these services. |
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Regulation F |
This regulation is designed to
limit the risks that the failure of a depository institution would pose
to other insured depository institutions. Provides requirements relating
to interbank liabilities. |
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Regulation G |
Disclosure and Reporting of
CRA-Related Agreements |
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Regulation H |
This regulation provides
guidance on a variety of matters relating to state-chartered member
banks, from real estate lending standards to standards for safety and
soundness. |
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Regulation I |
This regulation implements the
provisions of the Federal Reserve Act relating to the issuance and
cancellation of Federal Reserve Bank stock upon becoming or ceasing to
be a member bank, or upon changes in the capital and surplus of a member
bank, of the Federal Reserve System. |
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Regulation J |
This regulation governs the
collection of checks and other cash and non-cash items and the handling
of returned checks by Federal Reserve Banks and provides rules for
collecting and returning items and settling balances. |
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Regulation K |
This regulation sets out rules
governing the international and foreign activities of U.S. banking
organizations, including procedures for establishing foreign branches
and Edge corporations to engage in international banking and for
investments in foreign organizations. |
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Regulation L |
This regulation implements the
Depository Institution Management Interlocks Act to foster competition
by generally prohibiting a management official from serving two
nonaffiliated depository organizations in situations where the
management interlock likely would have an anticompetitive effect. |
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Regulation M |
This regulation implements the
consumer leasing provisions of the Truth in Lending Act. |
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Regulation N |
This regulation governs
relationships and transactions between Federal Reserve Banks and foreign
banks or bankers or groups of foreign banks, or bankers, or a foreign
State. |
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Regulation O |
This regulation governs
extensions of credit to insiders, which includes directors, executive
officers, and principal shareholders of a bank and its affiliates. It
includes special restrictions on loans to executive officers. |
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Regulation P |
This regulation requires a
financial institution to provide notice to customers about its privacy
policies and practices; describes the conditions under which a financial
institution may disclose nonpublic personal information about consumers
to nonaffiliated third parties; and provides a method for consumers to
prevent a financial institution from disclosing that information to most
nonaffiliated third parties by "opting out" of that disclosure. |
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Regulation Q |
This regulation provides
guidelines and restrictions relating to interest on deposits and
advertising. |
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Regulation R |
This regulation was repealed
effective December 6, 1996. It dealt with interlocking relationships
between securities dealers and banks. |
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Regulation S |
This regulation establishes
the rates and conditions for reimbursement of reasonably necessary costs
directly incurred by financial institutions in assembling or providing
customer financial records to a government authority pursuant to the
Right to Financial Privacy Act. |
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Regulation T |
This regulation regulate
extensions of credit by brokers and dealers. It imposes, among other
obligations, initial margin requirements and payment rules on certain
securities transactions. |
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Regulation U |
This regulation imposes credit
restrictions upon persons other than brokers or dealers that extend
credit for the purpose of buying or carrying margin stock if the credit
is secured directly or indirectly by margin stock. |
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Regulation V |
This regulation implements
portions of the Fair Credit Reporting Act (FCRA). Includes model notices
that can be used to notify customers either before or immediately
following the delivery of negative information. |
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Regulation W |
This regulation implements
Sections 23A and 23B of the Federal Reserve Act which govern most
transactions between banks and their affiliates. The term "banks"
includes all national banks, as well as insured state member and
nonmember banks and, for certain purposes, US branches and agencies of
foreign banks. |
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Regulation Y |
This regulation regulates the
acquisition of control of banks by companies and individuals; defines
and regulates the non-banking activities in which bank holding companies
and foreign banking organizations with United States operations may
engage; and sets forth the procedures for securing approval for these
transactions and activities. |
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Regulation Z |
This regulation designed to
help consumers "comparison shop" for credit by requiring disclosures
about its terms and cost. The regulation gives consumers the right to
cancel certain credit transactions that involve a lien on a consumer's
principal dwelling, regulates certain credit card practices, and
provides a means for fair and timely resolution of credit billing
disputes. The regulation requires a maximum interest rate to be stated
in variable-rate contracts secured by the consumer's dwelling. It also
imposes limitations on certain home equity and mortgages. |
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Regulation
AA |
This regulation establishes
consumer complaint procedures; defines unfair or deceptive acts or
practices of banks in connection with extensions of credit to consumers.
Prohibits certain practices, such as taking a non-purchase money
security interest in household goods. |
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Regulation
BB |
This regulation implements the
Community Reinvestment Act. |
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Regulation
CC |
This regulation contains rules
regarding the duty of banks to make funds deposited into accounts
available for withdrawal, including availability schedules plus rules
regarding exceptions to the schedules, disclosure of funds availability
policies, payment of interest, and liability. Also contains rules to
expedite the collection and return of checks by banks, including the
direct return of checks, the manner in which the paying bank and
returning banks must return checks to the depositary bank, notification
of nonpayment by the paying bank, endorsement and presentment of checks,
same-day settlement for certain checks, and other matters. |
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Regulation
DD |
This regulation implements the
Truth in Savings Act to enable consumers to make informed decisions
about deposit accounts at depository institutions. Requires depository
institutions to provide disclosures so that consumers can make
meaningful comparisons among depository institutions. |
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Regulation
EE |
This regulation expands the
FDIC Improvement Act of 1991 definition of a "financial institution" for
financial market participants who avail themselves of the netting
provisions of the Act regarding contracts in which the parties agree to
pay or receive the net, rather than the gross, payment due. |
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Regulation
FF |
This regulation extends the
rules on obtaining and using medical information in connection with
credit to creditors other than those regulated by the OCC, FRB, FDIC,
OTS and NCUA. |
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HUD's Reg X |
This regulation implements the
provisions of the Real Estate Settlement Procedures Act (RESPA). |
