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D'Oench doctrine . FDIC Statement of Policy . . Receivership and liquidation 5427 Daily balance method . Definition 7430 Damages . RESPA . . Jurisdiction of court 7083 . Tying arrangements . . Injunctive relief 6064.01 . . Recovery 6064.01 Data integrity board . Privacy Act of 1974 . . Matching program 8036.03 Data processing . Bank holding company . . Banking related activities 6110.08 . . Nonbanking activities . . Servicing activity . Emergency . . Interdepository institution agreements 4668 Data processing center . Nonbanking acquisitions . . Notice to primary regulator 4530 Date of entry . Definition 7196 Date of settlement . Insurance coverage . . Date of transaction 4490 De facto rule . Definition 2296.01 De minimis rule . International banking . . Savings deposits 4984.46 . Truth in Lending Act . . Restitution 5050 De novo branch . Definition 1261, 2056 De novo depository institution . Definition 7581 . Savings Association Insurance Fund (SAIF) member . . Conversion transactions 4430 . . Insurance coverage 4434 De novo expansion . Bank holding company . . Nonbanking acquisitions 6108 . Delegated authority . . Federal Reserve banks 6192 Deal in . Definition 1297 Dealer SEE ALSO Broker or dealer in securities . Definition 6992, 8516.10, 8979, 9176.01, 9285, 9364 Dealer consumer credit contract . Definition 6992 Dealer loan . Definition 6992 Debit . Definition 9438.02-A Debit balance . Definition 7658 Debit card . Definition 6605 Debit card transaction SEE ALSO Electronic terminal . Deposit insurance 4984.05 Debit instrument . Definition 6635 Debt . Definition 2238.02, 2238.18, 6617, 6624.06 Debt cancellation fees . Definition 6890 Debt collection . Corporate debt collection . . Administrative offset 2238.03, 2238.20 . . Compensation 2238.06 . . Delegated authority 2238.03 . . Garnishment 2238.13 . . Salary offset 2238.06 . . Tax refund offset 2238.18 . Fair Debt Collection Practices Act . . Abuse 6619, 6624.11 . . Communication 6618, 6624.09 . . Falsification of book, record, report, account, or statement 6619, 6624.12 . . Legal proceedings 6622, 6624.18 . . Multiple debts 6621, 6624.18 . . State laws 6624, 6624.20 . . Unfair or deceptive acts or practices 6620, 6622, 6624.12, 6624.19 . . Validation of debt 6621, 6624.17 . Late payment charge 7412, 7412.13 Debt collection center . Definition 2238.02 Debt collector . Definition 6617, 6624.06 . Fair Debt Collection Practices Act . . Civil liability 6622, 6624.19 . . Legal proceedings 6622, 6624.18 . . Unfair or deceptive acts or practices 6620, 6622, 6624.12, 6624.19 Debt for equity conversion . FRB's Regulation K . . Investments 7622 Debt securities . Capital adequacy . . Deferred tax assets 2248.01 . Definition 2756 . Restructured debt . . Savings associations 4429 Debtor . Definition 2238.18, 6592.05 Debts previously contracted . FRB's Regulation K . . United States banking organization 7622 Decedent account . Insurance coverage . . Grace period 2354 . . Individual retirement account 4534, 4703, 4800, 4984.25 . . Revocable trust account 4984.25 . . Single ownership account 2356 Decisional employee . Definition 2128 Defalcation SEE ALSO Banker blanket bond . Protection of bank 1261 Default . Change in Bank Control Act of 1978 . . Assets 4154 . Claims . . FDIC receiver or conservator 1188.19 . Commonly controlled depository institutions . . Liabilities . Definition 2680, 1072.01, 1190, 2351, 6027, 8740.04, 9330 Default charges SEE Late payment charges Default on a material obligation . Definition 2608, 5415 Defendant . Definition 2166.21 Deferral fees . Federally-related mortgage loans . . Residential mobile home 9531 Deferred compensation plan SEE Pension plan Deferred income accounts . Insurance coverage 4321 Deferred tax assets . Tier 1 capital . . Capital adequacy 2248.01 Deficiency . Definition 7009 Deficient broker . Definition 1360, 4428, 4452 Defined benefit plan . Insurance coverage . . Employee benefit plan 2363 Defined contribution plan . Insurance coverage 4807 . . Employee benefit plan 2362, 4446, 4773 . . Passthrough accounts 4708 Definition . Accept 8482 . Acceptable accounting method 7008 . Accepted access device 7361 . Accepted card or other means of access 6625 . Accepted credit card 6567, 6652.09 . Access device 7361, 7389 . Accessible . Accessible route . Accredited investor 8979 . Accounting firm 2166.40 . Accounts 6605, 7210, 7362, 7374, 7389, 7414, 7418.02, 7418.40, 7424, 7429, 7459, 8397, 8516.08-A, 8516.08-E, 8516.08-J . Acquire 1225, 8727, 8740.07 . Acquiring, assuming, or resulting depository institutions 1098, 8516.08, 8516.08-N . Acquiring institution 2289 . Acquisition 2061, 6110.11 . Act 2409 . Acting in concert 2061, 6110.11 . Active duty alert 6606 . Active duty military consumer 6605 . Activities 1324, 1352, 3118, 3124.06, 3124.11 . Activity permissible for a federal savings association 3124.07 . Activity permissible for a national bank 3117 . Actual direct compensatory damages 1188.14 . Actual thrift investment percentage 8739 . Actuarial method 8544, 8776, 9529 . Adequate evidence 3206 . Adequate notice 6567, 6652.09 . Adequately capitalized 1431, 1517, 2251, 2252, 6027, 6028, 7586.34, 8890.01 . Adequately capitalized insured depository institution . Adjacent cities, towns, or villages 2865 . Adjudication 8023 . Adjudicative officer 8022.02 . Adjudicatory proceedings 2128 . Adjustable rate mortgage loan 6989 . Adjusted attributable deposit amount 2296.01, 2296.03 . Adjusted carrying value 2262.06-B-3 . Adjusted income, 1486 . Adjusted Part 325 total assets 2044 . Administrative . Administrative cost 2864.04 . Administrative law judge 2128, 2166.20, 9792 . Administrative offset 2238.04 . Administrator 8822.34, 8871 . ADTV 9403 . Advance payments 6670.02 . Advanced internal ratings-based (IRB)systems 2262.22, 6120.44 . Advanced systems 2262.22, 6120.44 . Adverage assessment rate 2296.01 . Adversary adjudication 8022.02 . Adverse action 6603, 6611, 7210, 7249 . Adverse comment 2044 . Advertisement 6643, 6685, 6719, 6873, 7429, 7459 . Advisory boards 9284 . Affiliate 2262.22, 6120.44 . Affiliate of the issuer 9258.17 . Affiliate relationship 7007 . Affiliated business arrangement 7072 . Affiliated business entity 3206 . Affiliated company 9284 . Affiliated corporation 7658 . Affiliated insured bank 1225 . Affiliated person 9176.04, 9284, 9364 . Affiliated purchaser 9404 . Affiliates 1072, 1264, 2390, 2409, 2735, 2782, 2844.02, 2846, 2856, 2865, 3124.06, 3124.07, 3124.12, 6027, 6084, 6588.05, 6670.02, 7512.07, 7512.12, 7581, 7612, 7628.04, 7642, 7760, 7806, 8392, 8550.08-B, 8550.28-A, 8591, 8516.12, 8673.09, 8673.22, 8695, 8727, 8804, 8872, 9238.01, 9404, 9407 . Affordable housing discount 1475 . Affordable housing program 1489 . Age 7210 . Aged record difference 9438.04 . Agency 2238.01, 7787, 8021, 8022, 8022.03, 8032, 8040, 8050, 8055, 8281, 8785, 8822.27 . Agency action 8023 . Agency of the United States 8310.01 . Agency proceedings 8023 . Agent . Agent independent of the issuer 9404 . Aggregate amount of covered transactions 7512.08 . Aggregate analysis 7008 . Aggregate investment 3120 . Aggrieved person 9654, 9792 . Agreement 1538 . Agricultural banks . Agricultural products 6567, 6884 . Agricultural purpose 6567, 6720, 6885 . Allocated transfer risk reserve 6117 . Allowance for loan and lease losses 2241 . Alternative means of dispute resolution 8890.14 . Alternative mortgage transaction 8678 . Amend 2188 . Amended order to pay 2044 . Amendment 2188 . Annual escrow account statement 7009 . Annual percentage rate 6656, 6924 . Annual percentage yield 7429 . Annual rate of simple interest . Annuity contract 8486.02 . ANSI A117.1-1986 . Antitrust laws 1259, 1517, 6028, 6051, 8673.09 . Applicable electioneering communication 8533 . Applicable external rating 2262.22, 6120.44 . Applicable inferred rating 2262.22, 6120.44 . Applicant 2044, 6612, 7210, 7250, 9715, 9792 . Application 2044, 6992, 7210, 7242, 7271, 7288, 9792 . Application for a deposit facility . Appraisal Foundation 2239, 6110.19 . Appraisal reports 7223, 7264.05 . Appraisal Subcommittee (FFIEC) 6110.19, 8590.31, 8590.51 . Appraisals 2239, 6110.19 . Appropriate FDIC office 2045 . Appropriate FDIC region 2044 . Appropriate FDIC regional director 2044 . Appropriate federal banking agency 1070, 1269, 2844.03, 3080, 6027, 8181, 8392, 8550.08-B, 8550.21, 8673.13, 8673.16, 8801, 8871, 8890.01, 8890.02, 9219, 9337, 9369, 9378 . Appropriate federal depository institution 8592 . Appropriate federal financial institutions regulatory agency 1139 . Appropriate federal financial supervisory agency . Appropriate Federal Reserve Bank 7628.05 . Appropriate qualified registered securities depository 9440.03 . Appropriate regional director 2044 . Appropriate regulatory agency 8246, 8275, 9178, 9438 . Appropriate state 1208 . Appropriate supervisor 1509 . Appropriate supervisory office 5305 . Area median income 2782, 2865 . Arrange a lease 6721 . As principal 3117 . Assessment area 2782 . Assessment period 2289 . Asset-backed commerical paper (ABCP) programs 2262.06-C, 2262.22, 6120.44 . Asset-backed commercial paper (ABCP) program sponsor 6120.44 . Asset-backed security 2756 . Asset coverage 9316 . Asset securitization 6120.02-C . Assets classified loss 2242 . Assets under management 9373 . Assignment 9284, 9363 . Assistance 9704 . Assistant Secretary 9654, 9781 . Associate 7007, 7072 . Associate director 2044 . Associated person 8246, 8279 . Associated person of a transfer agent 9184 . Associated person of an investment bank holding company 9238.01 . Association of financial institutions 8516.04, 8516.06 . Association rules 9177 . Assumed 9535 . At one time 8482 . Attorney for the government 8310.01 . Attorney General 9654, 9792 . Audit 5305 . Audit committee 5302, 9186.01 . Audit services 2166.40 . Authority 2166.20 . Authority head 2166.20 . Automated clearinghouse 7415, 7418.39 . Automated loan machines 4984.19 . Automated teller machine operator 7375 . Automated teller machines 6628, 7415, 7418.39 . Auxiliary aids 2946 . Available for withdrawal 7415, 7418.40 . Average 1431, 1458 . Average assessment rate 2296.01 . Average daily balance method 7429 . Average total consolidated assets 6120.27 . Backtesting 2262.22, 6120.44 . Balance sheet audit performed by an independent public accountant 5305 . Balloon payment 6588.16 . Banco delta asia 8516.16-D . Bank holding company 1072, 2611, 2262.22, 3080, 6021, 6036, 6061, 6085, 6120.44, 6988.27, 7628.24, 8673.12, 8727, 8785, 9238.01 . Bank-ineligible securities 6110.04 . Bank Insurance Fund (BIF) . Bank Insurance Fund (BIF) member 1130.04 . Bank Insurance Fund (BIF) reserve ratio 1130.04 . Bank service company 8181 . Bank that is a government securities broker or dealer 3223 . Banking day 7415 . Banking institution 2864.04, 7628.25, 8801 . Banking law violation 8310.01 . Banking office 2263 . Banking organization 7614 . Banking subsidiary 6120, 7628.05 . Banks 1065, 2242, 2311, 2647, 2650, 2663, 2735, 2756, 2782, 2905, 3235, 5534, 5563, 6023, 6061, 6064, 6084, 6092, 7409, 7415, 7418.40, 7512.08, 7512.12, 7586.31, 7628.22, 7651, 7760, 8307, 8482, 8486.02, 8516.06-D, 8785, 8981, 9176.02, 9238.01, 9284 . Basic financial services 5271 . Benchwarming 2262.23, 6120.45 . Beneficial interest 3087 . Beneficial owner 8516.11, 9432 . Beneficial ownership 7007, 8398 . Beneficiary 8483 . Beneficiary's bank 8483 . Benefit 2166.20 . Benefit plan 3080 . Benefit-responsive withdrawals or transfers . Bidder 9440 . Billing cycle 6643, 6873, 6883 . Billing errors 6589, 6654, 6920 . Binding written commitment 6120.02 . Blank check company 8986.01 . Block 9404 . Board 2127, 2166.20, 2228, 2296.01, 6566, 6612, 6625, 6643, 6685, 7302, 7409, 7424, 7430, 8181, 8246, 8673.16, 8785 . Board of Directors 1067, 2128, 2238.01, 2967, 3167, 3170, 6120.35 . Bona fide arbitrage 7664, 7765 . Bona fide deferred compensation plan or arrangement 3080 . Bonus 7430, 7460 . Book capital 2044 . Borrow 9288 . Borrower 9385 . Branch office 7272, 7288 . Branch or agency of a foreign bank 6028, 8246, 8287, 8294 . Branch relocation 2056 . Branches 1517, 2055, 2263, 2782, 2856, 6028, 7628.05, 7787, 8710, 8785 . Bridge banks 1067, 8550.31 . Broker 7287, 9174, 9285, 9364 . Broker or dealer 8550.24, 8516.08-A . Broker or dealer in securities 8483, 8486.02 . . Person associated with 9176 . Brokered deposits . Brothers 2359 . Building 2663 . Building entrance on an accessible route . Burmese banking institution 8516.16 . Business arrangements 7163 . Business credit 7210, 7251 . Business day 6625, 6643, 6874, 6883, 6992, 7362, 7389, 7415, 7424, 7430, 8486, 9413, 9433 . Business development company 9291, 9365 . Business environment 2262.23, 6120.45 . Business loan 2239, 6110.19 . Business transaction 7193 . Buy 9176.03 . Buyer in the ordinary course of business 8669 . Call equivalent position 9432.02 . Call report 2905 . Camels composite and camels component ratings 2290 . Cancelled certificate facility 9440.04 . Cancelled or cancellation 9440.04 . Capital 2257, 6120.20 . Capital adequacy guidelines 7612 . Capital and surplus 7612, 9385 . Capital distribution 1431 . Capital restoration plan 1432, 1458 . Capital standards 8890.01 . Capital stock and surplus . Capital stock and unimpaired surplus . Card club 8484.01 . Card issuer 6567, 6605, 6643, 6874 . Cardholder 6567, 6643, 6874, 6916.01 . Carrying credit 7760 . Carrying value 2262.23, 6120.45, 7785 . Cash 7416, 7424 . Cash equivalent . Cash item in process of collection 7580 . Cash items 6110.16 . Cash management sweep account 2756 . Cash price 6644, 6875, 6883 . Cashier's checks 7416, 7424 . Casino 8484, 8516.06-C . Catalog and multiple page advertisements 6933 . Categorical exclusion 5185 . Central filing system 8669 . Central government 2262.06-C, 6120.08 . Centralized administrative offset 2238.01 . Certificate detail 9438.02 . Certificate number 9440.04 . Certificate year 9329 . Certification 2238.02, 8516.11 . Certified agency 9754 . Certified checks 7416, 7418.42, 7424 . Certified local government 8822.28 . CFTC 8246 . Chairperson . Change in control 3118 . Change the status 7628.05 . Charge 9792 . Charge card 6644, 9213 . Charged to profit and loss 7196.01 . Charitable gift annuity 9297 . Charitable lead trust 9296 . Charitable organization 9296 . Charitable remainder trust 9296 . Check clearinghouse association 7424 . Check processing region 7416, 7418.43, 7424 . Checks 7416, 7418.42, 7424 . Chief docket clerk 9792 . Children or grandchildren 2359 . Civil judgment 3206 . Civil rights/compliance reviewing office 9715 . Claims 2166.20, 2262.06-C . Class of voting shares 6087 . Class or series 9203 . Classified information 6609 . Clean-up call 2262.23, 6120.45 . Clear and conspicuous 2390 . Clearing agency 9177 . Clearing agency rules 9178 . Clearing organization 1188.14-G, 8550.24 . Clearinghouses 1486 . Close of business 9385 . Closed-end company 9298 . Closed end credit 6643, 6875 . Closed-end lease 6685, 6720 . Closing 6994 . CMSA 2786.01 . Co-transfer agent 9438.02-A . COD transaction 7658 . Collect 2390 . Collecting a debt 7412 . Collecting bank 7418 . Collection . . Extensions of credit 6592.06 . Collection of information 8050 . Collective investment fund 2756 . Commencement 9413 . Comments 2044 . Commercial lending company 7628.05, 7787, 8785 . Commercial use 8590.14 . Commercial use request 2169, 8590.71 . Commission 6606, 6617, 6624.05, 8246, 8516.08-B, 9285, 9364 . Commission merchant 8670 . Commitments 6120.13 . Commodity 8486.01, 8516.08-E . Commodity contract 1188.14-C . Commodity derivative contract 2262.23, 6120.45 . Common carrier 8483 . Common ownership or common corporate control 2409 . Common period 6678.39 . Common stockholders' equity 2242 . Common use areas . Commonly controlled correspondent 7586.31 . Commonly controlled depository institutions . Communication 6617, 6624.05 . Community 2663, 2865 . Community development 2786.01 . Community development bank . Community development financial institution 8872 . Community development loans 2786.01 . Community development organization . Community development service 2786.01 . Community partner 8872 . Community partnership 8872 . Company 1072, 1432, 2262.23, 2390, 2409, 2608, 2735, 3118, 3124.06, 3124.11, 3128, 3206, 5415, 6022, 6061, 6064, 6085, 6120.45, 7512.06-A, 7512.08, 7628.22, 7642, 7651, 7785, 8726, 8785, 9174, 9176.04, 9238.01, 9285, 9364 . Company covered in 1970 6022 . Compelling need 8028 . Compensation 1432, 3167 . Complainant 9654, 9792 . Complaints 2166.21, 7409, 9792 . Completed application 7301 . Completed application for credit 7210, 9535 . Completion of the transaction 2756 . Complex 1-to-4 family residential property appraisal 2239, 6110.20 . Composite analysis 7008 . Compromise 2238.02 . Comptroller 7628.05, 8785 . Conciliation 9654 . Conciliation agreement 9654.01 . Conducts 8302 . Conduit deposits 2296.03 . Conflict of interest 3206, 5415 . Consolidated 8785 . Consolidated system 9404 . Construction loan 3183 . Consumer 2391, 2735, 6566, 6602, 6624.06, 6625, 6644, 6875, 6883, 7162, 7181, 7362, 7411, 7412.04, 7418, 7430, 7460, 8673.23, 8776, 9385 . Consumer account 7416, 7418.43, 7424 . Consumer asset account 7389 . Consumer complaints 7409 . Consumer credit 6617, 6644, 6875, 6883, 7210, 9213 . Consumer credit contract 7163 . Consumer information 3170 . Consumer leases 6592, 6686, 6720 . Consumer loans 2786.01 . Consumer paper 9386 . Consumer report 3170, 6602, 7181 . Consumer reporting agency 2391, 6602, 7186 . Consumer reporting agency that compiles and maintains files on consumers on a nationwide basis 6604 . Consummation 6644, 6875, 6883 . Contiguous or adjacent cities, towns, or villages 2865 . Contract 3206, 7162 . Contract of sale 8486.01, 8516.08-E . Contract which does not cut off consumers' claims and defenses 7163 . Contractors 3206 . Contractual branch 7418, 7418.49 . Contractual commitment to advance funds 9386 . Contractually liable 7210 . Contribution or expenditure 8531 . Control 1072, 1129, 2061, 2262.23, 2391, 2608, 2611, 2735, 2844.03, 2846, 3118, 3124.06, 3124.11, 3128, 3206, 6021, 6084, 6120.23, 7007, 7512.06-A, 7517, 7628.05, 7785, 8516.12, 8727, 8785, 9238.01, 9285, 9364, 9386 . Control book 9438.02 . Control of a company or bank 6064, 7642, 7651 . Control over another company 7512.08 . Controlled access 9440.04 . Controlled early amortization provision 6120.45 . Controlled entity 2650 . Controlled substance . Controlling interest 7517 . Controlling person 2242 . Covered product 8486.02 . Controlling shareholder 6086 . Covered transaction 7785 . Conversion date 7009 . Conversion transactions 1095 . Convert its charter 3119, 3128 . Convicted 9285, 9364 . Conviction 3206 . Cooperative agreement 1177, 9754 . Cooperative agreement officer 9754 . Copy of an original check 7418.01 . Core capital 2244, 2257, 8720 . Core capital elements 6113 . Corporate credit unions 8251 . Corporate debt securities not of investment grade 1350, 3124.07 . Corporate reorganization 2058 . Corporation 2166.21, 2188, 8673.12, 8695 . Correspondent 7586.31 . Correspondent account 7652, 8392, 8398, 8516.11, 8516.16, 8516.16-A, 8516.16-D . Correspondent banks 7652 . Correspondent relationship 8516.11 . Cosigner 7411, 7412.05 . Council 8822.28 . Court of the United States 8310.02 . Covered agency 1191, 3128 . Covered agreement 2835 . Covered class action 9258.17 . Covered clearing obligation 8550.24 . Covered company 1266 . Covered contractual payment entitlement 8550.24 . Covered contractual payment obligation 8550.25 . Covered financial institution 8516.11, 8516.16, 8516.16-A, 8516.16-D . Covered goods 8516.10 . Covered interstate branch 3235 . Covered multifamily dwelling . Covered option transaction 7658 . Covered person 9258.06 . Covered positions 2262.14, 6120.29 . Covered security 9258.18 . Covered transaction 7512.08, 7512.12, 7785 . CRA affiliate 2844.03 . CRA communication 2837 . CRA protest 2045 . CRA public file 2844.03 . Credit 2410, 6566, 6644, 6875, 6883, 7210, 7252, 7362, 9438.02 . Credit balance 7658 . Credit card 6567, 6605, 6644, 6876, 7210, 8516.09 . Credit card loans 2786.01 . Credit derivative 2262.01, 2262.23, 6120.02-C, 6120.45 . Credit-enhancing interest-only strip(CEIO) 2242, 2262.01, 2262.23, 6120.45, 6119 . Credit-enhancing representations and warranties 2262.01, 2262.23, 6120.02-C, 6120.23, 6120.45 . Credit issuer . Credit or insurance transaction that is not initiated by the consumer 6604 . Credit outstanding 1130, 6110.15 . Credit rating agency 9186.01, 9292, 9366 . Credit risk 5440 . Credit risk mitigant 2262.24, 6120.46 . Credit-risk-weighted assets 2262.24, 6120.46 . Credit sale 6566, 6644, 6877 . Credit score 6610.15 . Credit scoring system 7211 . Credit transactions 7211, 7785 . Credit union 8307 . Creditor 2410, 6566, 6592.05, 6605, 6612, 6617, 6624.06, 6644, 6877, 6883, 6989, 6992, 7162, 7211, 7252, 7658, 8776, 9529 . Creditor agency 2238.02 . Creditworthiness . . Pertinent element 7212 . Criminally derived property 8306 . Critically undercapitalized 1431, 2252 . Cross-affiliate netting arrangement 7785 . Crossing of buy and sell orders 2756 . CUISP 9440.04 . Cultural park 8822.27 . Currency 8407, 8484, 8498.02 . Currency transactions 8486 . Current examination 5049 . Current exposure 2262.24, 6120.46 . Current market value 7760, 9386 . Current semiannual period 2293 . Cushion 7009 . Customer 2167, 2391, 2756, 3170, 3223, 6120.35, 6610.37, 7418, 7761, 8262, 8275, 8516.06-D, 8516.08-B, 8516.08-E, 8516.08-J, 8673.27, 9440.03 . Customer financial records 2168 . Customer information 3170, 6120.35 . Customer information of a financial institution 8673.27 . Customer information systems 3170, 6120.35 . Customer relationship 2391, 8673.23 . Cycle 6644, 6873 . Daily balance method 7430 . Date of entry 7196 . De facto rule 2296.01 . De novo branch 1261, 2056 . De novo depository institution 7581 . Deal in 1297 . Dealer 6992, 8516.10, 8979, 9176.01, 9285, 9364 . Dealer consumer credit contract 6992 . Dealer loan 6992 . Debit 9438.02-A . Debit balance 7658 . Debit card 6605 . Debit instrument 6635 . Debt 2238.02, 2238.18, 6617, 6624.06 . Debt cancellation fees 6890 . Debt collection center 2238.02 . Debt collector 6617, 6624.06 . Debt securities 2756 . Debtor 2238.18, 6592 . Decisional employee 2128 . Default 1072.01, 1190, 2262.24, 6027, 9330 . Default on a material obligation 2608, 5415 . Defendant 2166.21 . Deficiency 7009 . Deficient broker 1360, 4428, 4452 . Delivery 7009 . Delivery against payment 7658 . Demand 8022.01 . Demand deposits 2292, 2311, 7574, 7656.31 . Department 8247, 8281, 9733, 9781 . Dependence 2262.24, 6120.46 . Deposit account records 2351 . Deposit accounts 8484 . Deposit broker 1360, 4428, 4452, 4654, 4656, 4659, 4660, 4663, 4664, 4665, 4676, 4687, 4690, 4697, 4701, 4778, 4781, 4984.93, 7430, 7461 . Deposit insurance fund 1073 . Deposit liabilities 4825 . Deposit payable only at an office located outside the United States 7581 . Deposit shipment control list 9432.17 . Depositary 9440 . Depositary banks 7416 . Depositor 2363 . Depository 2856 . Depository check 7418.42, 7424 . Depository-eligible securities issue 9433 . Depository holding company 2866, 8591 . Depository institution affiliate 2866 . Depository institution holding company 1072, 3080, 8287, 8294, 8673.13, 8872 . Depository institutions 1066, 1509, 2167, 2262.24, 2611, 2866, 3128, 6027, 6088, 6110.28-L, 6110.28-U, 6120.46, 7301, 7424, 7430, 7461, 7510.01, 7580, 7786, 8181, 8249, 8385, 8550.25, 8591, 8673.10, 8673.16 . Depository organization 2866 . Deposits 1067, 2289, 2292, 2351, 2856, 5560, 6030.02, 7572, 7586.14, 7656.31 . Deposits acquired by the institution 2296.02 . Deputy director 2045 . Deputy regional director 2045 . Derivative contract 2262.24, 6120.46 . Derivative securities 9432.02 . Derivative transaction 7786 . Designated examining authority 8246 . Designated loan 2663 . Designated reserve ratio 1114 . Designated system of records 2188 . Designee 2128 . Destruction 9440.04 . Development services 8872 . DIF 2296.04-A . Direct costs 2169, 8590.13, 8590.71 . Direct credit substitute 2262.01, 6120.02-C . Direct ownership 7008 . Directly or indirectly 7612 . Director 1139, 2045, 2054, 2065, 2238.02, 3119, 3167, 6110.23, 7498, 8695, 9176.02, 9285, 9364 . Director of a company or bank 7642 . Director of the Division having primary authority 2168 . Disaster areas . Disbursement date 7009 . Disclose 2167, 8590.71 . Disclosure 2167, 8590.71 . Discount 6567 . Discount window loans 6110.16 . Discretionary transaction 9432.10 . Discriminate against an applicant 7211 . Discriminatory housing practice 9654.01, 9733, 9792 . Discriminatory practices 6987, 9704 . Disposable earnings 6595 . Disposable pay 2238.02 . Dissenting limited partner 9188, 9227, 9228 . District banks 1065 . Diversified company 9298 . Diversified savings and loan holding company 8726 . Division of Administration 2238.02 . Division of Finance 2238.02 . Document 2166.29, 8673.27 . Domestic 2846, 8484 . Domestic branches 1070, 6988.28, 7628.05 . Domestic concerns 9265 . Domestic financial agency 8383 . Domestic financial institutions 8383, 8546.01 . Domestic retail deposit activity 2856 . Domestic violence 1529, 2735 . Doubtful . Downpayment 6644, 6879 . Dual-filed complaint 9754 . Due-on-sale clause 9535 . Duplication 2169, 8590.13, 8590.71 . Dwelling 2647, 6567, 6645, 6879, 6883, 7222, 7223, 7272, 7288, 9655, 9733 . Dwelling unit . Early amortization 2262.24, 6120.47 . Early loan 8890.02 . Earnings 6595, 7411 . Economic downturn conditions 2262.25, 6120.47 . Economically depressed region 1232 . Educational institution 2169, 8590.14, 8590.71 . Effective date of transfer 7078 . Effective financing statement 8670 . Effective maturity (M) 2262.25, 6120.47 . Effective notional amount 2262.25, 6120.47 . Elderly 7211 . Electronic and information technology 2946 . Electronic benefit transfer program 6627 . Electronic communication 6670.03, 6691, 7225, 7375, 7436 . Electronic fund transfers 6605, 6625, 6628, 7362, 7363, 7390 . Electronic media 2735 . Electronic payment 7416, 7418.44 . Electronic signs 5449 . Electronic storage media 9438 . Electronic terminal 6626, 7362, 7390 . Eligibility or continued eligibility for credit 2410 . Eligible ABCP liquidity facility 6120.02-D . Eligible affiliated mutual fund securities 7786, 7796 . Eligible bank 9386 . Eligible clean-up call 2262.25, 6120.47 . Eligible commercial real property 1193 . Eligible condominium property 1486 . Eligible country 7612 . Eligible credit derivative 2262.25, 6120.47 . Eligible credit reserves 2262.26, 6120.48 . Eligible depositor 2405 . Eligible depository institution 2405, 3124.02 . Eligible double default guarantor 2262.26, 6120.48 . Eligible entity 8822.33, 8822.34 . Eligible gurantee 2262.26, 6120.49 . Eligible Guarantor Institution 9440 . Eligible insured branch 2068.03 . Eligible insured depository institution 2296.01 . Eligible insured state nonmember bank 2846 . Eligible investor 7628.22 . Eligible margin loan 2262.27, 6120.49 . Eligible multifamily housing property 1486 . Eligible operational risk offsets 2262.27, 6120.49 . Eligible portfolio company 9290 . Eligible purchased wholesale exposure 2262.27, 6120.49 . Eligible residential property 1486 . Eligible securitization guarantor 2262.27, 6120.50 . Eligible servicer cash advance facility 2262.28, 6120.50 . Eligible single family property 1486 . Eligible subsidiary 3124.02 . Emergency 9205 . Empirically derived and other credit scoring systems 7211, 7252 . Employee benefit plan 2363, 4984.32 . Employee of the Corporation 1062.01 . Employee organization 2363 . Employee welfare benefit plan 4984.33 . Employees 1361, 2608, 4686 . Employees' securities company 9285 . Employment purposes 6603, 7188 . Enforcement counsel 2128 . Engaged in activities 7613 . Engaged in banking 7613 . Engaged in business 7613 . Engagement letter 5305 . Engages directly in the business of banking outside of the United States 7628.05 . Enrolled loan 8890.03 . Enterprise 6610.17 . Entire community . Entrance . Entrance fee deposit base . Environmental assessment 5185 . Equal regulation 9180 . Equity 7613, 7659 . Equity capital 7786 . Equity derivative contract 2262.28, 6120.50 . Equity exposure 2262.28, 6120.50 . Equity interest 2846 . Equity interest in real estate 3128 . Equity investment permissible for a national bank 3132 . Equity investments 2262.06-B-4, 3119, 3131, 6120.02-A . Equity security 2846, 3119, 3124.06, 3131, 9176.02 . Equity security of such issuer 9432.02 . Equityholder 3088 . Errors 7369, 7404 . Escrow 6994 . Escrow account 7008, 7009 . Escrow account analysis 7009 . Escrow account computation year 7009 . Escrow account item 7009 . Escrow agreement 7659 . Establish 7628.05 . Established customer 8484 . Established depository institution 2290 . Estimated credit losses 5453 . Eurocurrency liabilities 7579 . Ex parte communication 2131, 8024 . Examination 2167 . Examination report 2167 . Examining authority 7659, 7761, 8246, 9238.02 . Exceptional circumstances 8028 . Excess benefit plan 9432.10 . Excess spread 2262.28, 6120.50 . Exchange 9173, 9285, 9364 . Exchange agent 9440 . Exchange offer 9401 . Exchange rate derivative contract 2262.28, 6120.50 . Exchange rules 9178 . Excluded communications 6604 . Excluded mortgage exposure 2262.28, 6120.50 . Exclusive processor 9176.04 . Execution date 8484 . Executive officer 2844.03, 3119, 3167, 4857, 6062, 6110.28-U, 7512.06-A, 7643, 7651 . Executive or administrative personnel 8533 . Executive Secretary 2128 . Exempt person 8486.02-G . Exempt transfer agent 9435 . Exempted borrower 7659, 7761 . Exempted securities 9176.02 . Exempted securities mutual fund 7659 . Existing customer . Expected credit loss (ECL) 2262.28, 6120.51 . Expected exposure(EE) 2262.29, 6120.51 . Expected operational loss(EOL) 2262.29, 6120.51 . Expected positive exposure (EPE) 2262.29, 6120.51 . Expert witnesses 9781 . Export trade services 6036 . Export trading companies 6036 . Exposure 7586.31 . Exposure at default (EAD) 2262.29, 6120.51 . Exposure category 2262.30, 6120.52 . Extend credit 6592.05, 7211 . Extension of credit under an open end credit plan 9213 . Extensions of credit 3119, 6036, 6062, 6110.07, 6592.06, 7211, 7512.06-A, 7644, 7651, 7786 . . Collection 2639, 6592 . Exterior . External auditing program 5302 . External operational loss event data 2262.30, 6120.52 . External rating 2262.30, 6120.52 . Externally rated 2262.02, 6120.02-D . Extortionate extension of credit 6592.06 . Extortionate means 6592.06 . Extraordinary growth 2166.17 . Face amount 2242, 2262.02, 6120.02-D . Face-amount certificate 9286 . Face-amount certificate company 9297 . Facilities 2946, 9174 . Failed depository institutions 8550.31 . Failed financial institutions 8550.25 . Failed institutions 8550.25 . Failed member 8550.25 . Fair Housing Act matters 9792 . Fair housing enforcement organization 9781 . Fair housing poster 9733 . Familial status 2647 . Family 9733 . Family member 5415 . Farm product 8670 . FDIC 3193, 3206 . Federal agency 7498, 7628.05, 8785 . Federal agency lender . Federal aid to navigation 8822.35 . Federal savings association 9535 . Federal bank regulators 2708 . Federal banking agencies 1073, 1269, 1402, 2608, 2844.03, 2864.04, 6605, 7628.25, 8550.03, 8550.21, 8673.12, 8673.22, 8673.30, 8695, 8799, 8890.01, 9228.10, 9236 . Federal benefit program 8032.01 . Federal branches 1071, 2068.04, 2857, 7628.05, 8785 . Federal Claims Collection Standards 2238.02 . Federal credit union 8307, 9535 . Federal deposit insurance fund 2608 . Federal depository institutions 1066 . Federal entity for lending regulation . Federal financial assistance 9549, 9792 . Federal financial institutions regulatory agencies . Federal functional regulator 2392, 8390, 8394, 8398, 8516.06, 8516.06-C, 8516.08-B, 8516.08-E, 8516.08-J, 8673.22 . Federal personnel 8032.01 . Federal savings associations 1065, 8695 . Federal supervisory agency 8073 . Federally-related loans 9527 . Federally related mortgage loans 6992, 7071 . Federally-related transactions 2239, 5465, 6110.20 . Fedwire 7418 . Fees and other expenses 8022.01 . FHAP 9754 . FHEO 9754 . FHIP 9781 . Fiduciary capacity 8247, 8276, 8279, 9286 . Field review 8590.71 . Files 6603, 7187, 9438.02-A . Filing 2045 . Final determination 1177 . Final order 2128 . Finance charges 6646, 6886 . Finance company 6110.07 . Finance subsidiary 6120.01 . Financial agency 8381 . Financial collateral 2262.30, 6120.52 . Financial asset 2262.02, 3087, 6120.02-D . Financial assistance . Financial assistance for acquisition or construction purposes . Financial contracts 9294 . Financial holding companies 6028.01, 6110.26, 6110.28-M, 6110.28-O, 6110.28-U, 8673.16 . Financial institutions 1188.14-G, 2392, 5479, 6605, 6626, 7091, 7272, 7289, 7362, 8247, 8250, 8251, 8281, 8303, 8382, 8383, 8484, 8516.04, 8516.06, 8516.06-C, 8516.08-B, 8516.08-E, 8516.08-J, 8516.11, 8550.25, 8673.22, 8673.27, 8890.03, 9183 . Financial instrument 9386 . Financial organizations 6110.06-A . Financial product or service 2392 . Financial record . Financial responsibility rules 9182 . Financial standby letter of credit 2262.02, 6120.02-D . Financial statement 5302 . Financial subsidiaries 1523, 3124.12, 7512.10, 7786 . Financial transaction 8302 . Financing a sale 7162 . FinCEN 2965, 8486 . Finding of no significant impact 5185 . Firm offer of credit or insurance 6603, 6610.43 . First occupancy . Fiscal year 2844.03 . Fixed rate account 7430 . For any semiannual period 2296.03 . Foreign 7613 . Foreign banking organization 2847, 6086, 7628.05 . Foreign banks and banking 1071, 1130, 1264, 2068.04, 2262.06-D, 2611, 2846, 2857, 6110.15, 6115, 7581, 7586.31, 7613, 7628.05, 7643, 7656.32, 7787, 8484.01, 8516.09, 8516.11, 8516.16, 8785, 8792, 9238.01 . Foreign branches 1070, 2068.04, 2847, 7613 . Foreign business 2857 . Foreign country 2847, 2857, 7613, 8785 . Foreign financial agency 8383, 8484 . Foreign financial institutions 8383, 8516.12 . Foreign financial regulatory authority 9184, 9291, 9366 . Foreign margin stock 7659 . Foreign official 9261, 9265, 9268 . Foreign organization 2068.04, 2847 . Foreign person 7613, 7659, 8546.01 . Foreign person controlled by a United States person 7659, 7841, 8386, 9192 . Foreign securities 7659 . Foreign securities authority 9184, 9291, 9365 . Foreign shell bank 8516.11 . Form TA-1 2706 . Forward collection 7416, 7418.44 . Forward contract 1188.14-D . Forward-looking statement 8994.08, 9258.08 . Franchise 7008 . Franchisee 7008 . Franchisor 7008 . Fraud alert 6605 . Fraud offense 5415 . FRB 2857 . FRB member banks 7581, 7643, 8287, 8294 . Fulfillment 1538 . Functionally regulated affiliates 1519 . Functionally related subsidiaries 1519, 6046.09, 6049 . Funds transfer 8484.01 . Futures commission merchant 8486.01, 8550.25, 8516.08-E . GAAP (Generally accepted accounting princpals 2262.30, 6120.52, 7787 . Gain-on-sale 2262.30, 6120.52 . Garnishment 2238.02, 6595 . General Counsel 2045 . General market risk 2262.14 . General purpose credit card 7787, 7792 . Geographic area 8497 . Geography 2786.01 . Global certificate securities issue 9440.04 . Going private transaction 8994.08, 9258.08 . Golden parachute payment 1265, 3081 . Good faith 7211, 7418, 7418.49, 7761 . Good faith estimate 6993 . Good faith margin 7659 . Government 2166.21 . Government authority 7091 . Government credit 7213, 7253 . Government securities 2757, 3223, 7586.33, 8247, 8276, 9182, 9286 . Government securities broker or dealer 8247, 9183 . . Person associated with 9183 . Government-sponsored enterprise 1271 . Governmental agencies 7196.07 . Grace period 7430 . Grand jury information 8310.01 . Gross annual gaming revenue 8484 . Gross capitalized cost 6686 . Ground floor . Group annuity contract 8486.02 . Group life insurance policy 8486.02 . Group of investment companies 9305 . Group of persons 1130, 6110.15 . Growth 2296.04 . Growth of deposits 2296.04 . Guarantees 2262.30, 6120.52, 9440 . Handicap 2647 . Hearing 9792 . Hearing official 2238.02 . Held of record 9203 . High volatility commercial real estate(HVCRE) 2262.30, 6120.52 . Higher margin level 9186.01 . Highly indebted country 8802.01 . Highly leveraged transaction 2242 . Historic conservation district 8822.28 . Historic light station 8822.34 . Historic preservation review commission 8822.28 . Historic property 8822.27 . Holding company 7091 . Home 9535 . Home country 7628.06 . Home country supervisor 7628.06 . Home-equity line of credit 7273 . Home equity loans 2786.01 . Home improvement loan 7273, 7289 . Home mortgage loans 2786.01 . Home purchase loan 7273, 7290 . Home state 1261, 1325, 1517, 2056, 2857, 3235, 6028, 8791 . Host state, home state, and out-of-state bank 1177 . Host state loan-to-deposit ratio 3236 . Host transfer services 6628 . Household goods 7411, 7412.07 . Housing creditor 8678 . Housing for older people . HUD-1 Uniform Settlement Statement 6993 . HUD-1A Settlement Statement 6993 . Hybrid capital instruments 6117 . Identified losses 2242 . Identifying activity level 9213 . Identity theft 6605 . Identity theft report 6605 . Illegal acts 9194.03 . Immediate family 2865, 6110.11, 7643, 7651, 9432.02 . Immediate family member of a natural person 2857 . Immediate parent 7628.06 . Impound account 7009 . Improper professional conduct 9186.06 . Improved property loan 3183 . Improved real estate . In any manner 8485 . In contemplation 7787 . In danger of default 1072.01, 6027 . In-state depository institutions 1225 . In-state holding company 1225 . In the ordinary course of business 7761 . In the process of collection 5082 . Inadvertent errors 7212 . Incidental credit 7213, 7253 . Includes, including 1071 . Income 1486 . Income level 2786.01 . Increased interest rate 6670.02 . Indebtedness 7652 . Indemnification payment 1266 . Indemnifying bank 7418 . Independent activity 2351, 2359 . Independent appellate process 8890.14 . Independent public accountant 5306 . Indian Gaming Regulatory Act 8486 . Indian reservation 8872 . Indian tribe 8822.27, 8873 . Indictment 3207 . Indirect pecuniary interest 9432.01 . Indirectly 2847 . Indirectly secured 7761 . Individual 2166.21, 2188, 8032, 8590.51 . Individual with a disability 2946 . Industrial banks 6110.16 . Ineligible condominium property 1488 . Ineligible multifamily housing property 1488 . Ineligible residential property 1488 . Ineligible single family housing property 1488 . Inferred rating 2262.31, 6120.53 . Information data base service 9440.03 . Initial decision 2166.21 . Initial deposit 2857 . Initial escrow account statement 7009 . Insider 2045, 7643 . Issuer 9440.06 . Installment payment 7009 . Institution 2128, 3119, 5368.01, 5479, 7430 . Institution-affiliated party 1072, 1139, 2045, 2128, 2965, 3082 . Institutional investment manager 9211 . Insurance agent 8486.02 . Insurance broker 8486.02 . Insurance company 6028.01, 8979, 9176.04, 9286, 9364 . Insurance company or issuer 8486.02 . Insured banks 1067, 2857, 8287, 8294, 8516.11, 9238.01 . Insured branches 1071, 2068.04, 2351, 2857 . Insured community development financial institution 8873 . Insured credit union 8873, 9184 . Insured deposit transfer . Insured depository instituti |