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FDIC Law, Regulations, Related Acts


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4000 - FDIC Advisory Opinions


Miscellaneous
    
Letter No.Page
83-20    Establishment of Collective Investment Pool    4138
86-6    Eligibility of Federal Reserve Member Commercial Bank to Become an FDIC-Insured Federal Savings Bank    4207
86-14    FDIC-Insured Industrial Loan Company Subject to Federal Reserve Regulation AA, Not to Federal Trade Commission Rule    4214
86-41    Establishment of Captive Insurance Company to Provide Directors Liability Insurance for Commercial Banking Industry    4244
87-3    Directors and Officers Liability Insurance as Members of a Mutual Insurance Company    4246
{{4-28-06 p.4016.13}}
87-27    Voluntary Termination of FSLIC Status Under the CEBA    4269
87-31    Disclosure Requirements Upon Renegotiation of Fixed-Rate Mortgages    4272
87-39    Questions Concerning FDIC Enforcement of the Equal Credit Opportunity Act    4279
87-43    Eligibility of Rural Electric Association Cooperative to Hold Funds in NOW Account    4281
87-49    Deposit Notes are Certificates of Deposit    4286
87-58    Inclusion of Preissued, Postdated Cashier's Checks in FDIC Deposit Assessment    4293
87-59    Treatment of Electronic Debits Arising from Use of Automated Teller Machine Network and/or Debit Card (Point of Sale) Network When a Participating Bank Closes Prior to Final Settlement    4296
88-10    Notice to FDIC Involving Transfer of Assets Between FDIC-Insured and FSLIC-Insured Institutions    4306
88-28    FDIC Prior Approval of the Transfer of Deposit Liabilities    4324
88-44    Procedures for Obtaining FDIC Insurance Coverage on ``Deposit Notes''    4344
88-59    Management Interlocks with Federal Land Bank Association    4360
88-64    Tax Allocation Agreement Between Bank and Bank Holding Company    4366
88-68    Amendment of Stock Option Plan Without Shareholder Approval    4370
88-69    Affiliated Banks Acting as Branches for Each Other    4371
88-78    Posting FDIC Signs in Embassy Branches    4378
89-6    Stock Option Plan for Disinterested Non-Employee Director    4392
89-9    Home-Improvement Loan Applications May Be Excluded When Calculating Home Loan Applications Received During 1988    4395
89-42    FDIC Insurance for Branches Located in the United States Virgin Islands    4420
89-44    Equal Credit Opportunity Act: Reg B    4420
89-45    Deposit Insurance Coverage is not Determined by Tax Identification Numbers (Social Security Numbers)    4421
90-5    Definition of ``Loan Commitment''    4438
90-7    Question Whether FDIC Advance Approval is Required for Submission by a Bank of Any Matter to a Shareholder Vote; Shareholder Proposals    4439
90-15    Undisbursed Loan Proceeds of a Multiple Advance Loan: Part 325 - Capital Adequacy    4446
90-18    Employee Stock Ownership Plan: Collateral Loan    4449
90-24    Deposit Broker Engaged in the Business of Placing Deposits, or Facilitating the Placement of Deposits    4454
90-40    Domestic Brokered Deposits of Foreign Bank Customer Funds: Recordkeeping Requirements    4471
90-57    Third-Party Seller of Certificate of Deposit is Insured When Insured Depository Institution Issuing Certificate Defaults Prior to Negotiation of Certificate to Buyer    4490
90-62    Eligibility of 403-B Plan Account for Deposit Insurance    4493
90-64    Technical Questions Concerning Display of Official FDIC Logo in Banks    4495
90-78    Insured Depository Institutions May Pass Cost of Federal Deposit Insurance Directly to Depositors Provided Notice is Given    4511
91-3    FDIC Defers to Federal Reserve Board's Interpretation of NOW Accounts (12 C.F.R. § 204.130)    4522
91-18    Circumstances in Which Advance Notice is Required Under 12 C.F.R. § 304.6    4533
91-19    Whether ATM Promotion Constitutes Payment of Interest on Demand Deposits in Violation of 12 C.F.R § 329    4533
91-21    Deposit Insurance Coverage Afforded Funds Held by Money Order Company and Funds Held by Depository Institution as Agent for Money Order Company    4535
{{4-28-06 p.4016.14}}
91-22    Questions Concerning Safety and Insurance of Funds Placed in a Money Market Fund Investing in Short-Term U.S. Government Securities    4535
91-30    Insured Depository Institutions May Not Charge Customers a Fee for Cost of Deposit Insurance in Excess of Actual Cost    4541
91-34    Banking Institutions Providing Services to Customers of Affiliated Institutions Pursuant to New Jersey Statute Must Comply with Procedures for Establishing a Branch Office Under 12 C.F.R. Part 303    4545
91-46    Whether Appraisal-Type Functions May Be Performed by Uncertified and Unlicensed Appraisers Under USPAP Standards and 12 C.F.R. § 323.5(b)    4555
91-54    Examiner Discretion in Determining What Minimum Security Devices and Procedures Meet the Requirements of 12 C.F.R. § 326.3 Under the Circumstances    4564
91-73    Applicability of Community Reinvestment Act to Trust Company    4583
91-77    Federal Deposit Insurance Act Does Not Distinguish Between Secured and Unsecured Deposits for Assessment Purposes    4587
91-79    An Electric Cooperative is Eligible to Hold a NOW Account Under Revised Federal Reserve Board Regulations (12 C.F.R. § 204.130)    4590
91-83    Application of ``Insubstantial Portion'' Exception to Conversion Transaction Moratorium Where Bank Merges with Trust Company Which Does Not Hold Deposits    4593
92-10    Whether Master Repurchase Agreement and Side Letter Entered into by Insured Bank and Its Trust Department Constitute a Deposit for Assessment Purposes    4613
92-34    Application of Section 19 of the FDI Act to Contractual Agreement Between Bank and Company Owned by Individual Convicted of Crime Involving Dishonesty and Breach of Trust    4639
92-40    Split-Dollar Insurance Arrangement Insuring Employee of Bank but Naming Bank's Holding Company as Beneficiary Violates Section 23B of the Federal Reserve Act    4643
92-41    Assessibility of Deferred Credit Portion of Cash Letters Collected Through Federal Reserve by Bankers Bank as Agent for Its Correspondent Banks    4644
92-47    Section 521 of the Depository Institutions Deregulation and Monetary Control Act of 1980 Authorizes Insured State-Chartered Banks to Export Same Fees and Charges on Interstate Loans that National Banks May Under 12 U.S.C. § 85    4649
92-59    Depository Institutions May Enter Into Reciprocal Agreement With Another Depository Institution to Provide Equipment Backup in Event of Emergency    4668
92–85    Unaffiliated Entity Which Provides ``Back Office'' Processing Services on Behalf of an Insured State Nonmember Bank Is not Considered a Branch    4697
92–95    Branch Closing Notice Requirements Are Not Triggered by Closing of an Insured State Bank's Principal Office    4709
93-17    Illustrative Violation of Section 19 of the FDI Act    4734
93-20    Temporary Employee Working for Insured Depository Institution Is Subject to Section 19 of the FDI Act    4740
93-27    12 U.S.C. § 1831d Preempts Contrary State Common Law Restrictions on Credit Card Loans    4751
93-53    Profit-Sharing Plan Controlled by Large Shareholder of Bank Is an Affiliate Under Section 23A of Federal Reserve Act    4789
93-55    Bank Must Report Funds Collected From Purchases of American Express Official Checks as Deposits in Its Call Report    4791
93-67    Regulation DD—Tiered-Rate Accounts and Disclosure Statement Requirements    4809
93-75    Whether ESOP is an Affiliate for Purposes of Section 23A    4818
{{8-31-06 p.4016.15}}
93-82    Whether Excess Funds From ``Sweep'' Accounts May Be Transferred to Interest Bearing Account    4824
94-2    Whether Loan Application Forms May Contain Check Boxes to Assist Creditors in Complying with the ECOA and Regulation B    4828
94-21    Users' Rights Under the Electronic Funds Transfer Act in the Event of Bank Error Regarding an Electronic Wire Transfer    4856
94-25    Whether a Bank Executive Convicted Under 31 U.S.C. § 5322(a) for ``Willful Failure to Report Currency Transactions'' Is a Crime Under Section 19 of the FDI Act    4860
94-26    Whether a Bank Executive Convicted of Embezzlement and Subsequently Pardoned by the President of the U.S. Is Subject to the Provisions of Section 19 of the FDI Act    4862
94-27    Applicability of Section 19 of the FDI Act When Pretrial Diversion Agreement Was Entered Into Before the Issuance of Formal Criminal Process    4863
94-28    Whether Section 19 Application Is Required in Connection With a Conviction for Retail Theft Under Pennsylvania Law    4865
94-29    ``Pre-Trial Diversion Agreements and Other Similar Programs'' Language in Section 19 Cases    4865
94-34    Appraisals: Loans to Non-Profit Corporations May Qualify Under Business Loan Exemption    4884
94-35    Whether the Issuance of Large Denomination CD's Causes a Trust Company to Lose It's Exemption From the CRA Regulations    4885
94-44    Request for Exemption from Appraisal Requirement    4896
94-56    Reporting of Unused Portions of Approved Lines of Credit    4910
95-19    Transaction with Affiliated Equipment Leasing Company—Applicability of § 23A, § 23B and 12 CFR § 250.250    4937
95-20    Bank Acceptance of Loan Guarantee From Foreign Affiliate Subject to § 23A of Federal Reserve Act    4942
95-22    Interstate Contract Branching Arrangements Between State Nonmember Banks and Other Banks Permissible Subject to Same Conditions Imposed on Intrastate Contract Branching Arrangements    4944
95-28    Whether a Loan Production Office of an Insured Non-member Bank Qualifies as a ``Domestic Branch'' as Defined in § 3(o) of the FDI Act    4955
95-29    Bank Award of Bonus Points and/or Gift Certificates for Use of a Credit Card Does not violate § 329 as Long as Credit Card Is Not Linked to a Demand Deposit Account    4956
95-32    Bank Program Giving Certain Customers Automatically Reduced Interest Rates on Loan Does Not Violate Prohibition Against Tying Arrangements, but Could Violate ECOA or FHA    4958
96-2    Applicability of § 23A of the Federal Reserve Act to a Transaction Involving an Insured Nonmember Bank, an Unaffiliated Purchaser of the Bank's Affiliated Savings Bank, and the Holding Company Owning Both the Bank and Savings Bank    4970
96-5    Applicability of Section (c)(1) of the Bank Merger Act to a Proposed Acquisition Involving the Purchase of Uninsured Subsidiaries    4973
96-8    Applicability of § (a)(1)(2) (``Attribution Rule'') to Loans Made by a Bank Which Benefits an Affiliate of the Bank    4976
97-2    Applicability of the Golden Parachute Regulation to the Proposed Serverance Payment to a Former Executive of a National Bank    4984
97-6    Would Certain Courier/Messenger Services Constitute Branch Banking, Therefore, Violate Branch Banking Laws    4984.20
99-2    Back Office Facilities Operated by Subsidiaries    4984.35
{{8-31-06 p.4016.16}}
00-5    Whether a New York-chartered Bank is Allowed Under Sections 18(d)(1) and 44(d)(2) of the FDI Act to Establish Additional Branches in California    4984.48
02-06    Does section 27 of the Federal Deposit Insurance Act preempt the Michigan Motor Vehicle Sales Finance Act    4984.67
03-04    Would a Part 362 application be necessary in order for a state-chartered nonmember bank to acquire as a subsidiary, a sports agency that would represent professional athletes and coaches    4984.78
04–09    How the ``Attribution Rule'' of the Federal Reserve Act Apply to Certain Credit Transactions     4984.103
06-01    Questions Regarding Interstate Contract Branching Under Section 18(r) of the FDI Act    4016.16
06-02    State restrictions on the Establishment of Interstate De Novo Branches by Industrial Loan Companies    4984.121


Powers Inconsistent With Purposes of Federal Deposit Insurance Law
Letter No.Page
80-14    Participation Agreement—Application of Part 332    4051
80-18    Agreement to Sell Loans Servicing Rights    4054
80-19    Bank Check Guarantee Card Arrangements    4054
81-15    Employee stock Ownership Plan (ESOP)    4078
81-21    Bank Guaranty of Obligations of Others is Not Standby Letter of Credit    4085
82-6    Relationship Between FDIC's Regulations (Part 332) and the Florida Security for Public Deposits Act    4099
82-11    Expansion of Bank's Money Order Operation Not in Violation of Part 332 of FDIC's Regulation    4104
82-17    Apparent Violation of Section 332.1 of FDIC Regulations    4110
82-18    Apparent Violation of Section 332.1 of FDIC Regulations    4110
82-19    Insured Nonmember Bank Receiving and Disbursing Foreign Bank Loan Proceeds    4111
83-3    Exception to Section 332.1 of FDIC's Regulations Prohibiting the Guarantee of Real Estate Titles    4123
83-4    Guarantee of Obligations of Bank's Wholly Owned Subsidiaries Not in Violation of Part 332    4123
83-5    Conflict of South Dakota Banking Law with Part 332 of FDIC's Regulations    4124
83-8    Guaranteeing the Obligations of Others: Substantial Interest Exception    4126
83-9    Letter of Credit Issued to Insurance Company Not in Violation of Part 332    4127
83-10    Bank Guaranty Not in Violation of Part 332 Due to Substantial Interest Exception    4128
83-11    Guarantee of Small Business Administration Loan Payment    4128
84-1    Exceptions to the Prohibitions on Bank Guarantees    4143
84-11    Applicability of Part 332 to Repurchase and Resale of Industrial Development Bonds by Insured State Nonmember Bank    4153
84-15    ``Special Interest'' Exception to Part 332 Prohibition on Bank Guarantees    4155
84-18    Nonbank Activities of Nonmember Bank    4158
84-22    Third-Party Loan Guarantee to Bank ESOP Plan for Bank Stock Purchase    4164
85-1    Dealer's Bank Agreement Conforms to 12 CFR 337.2 Definition of Standby Letter of Credit    4166
85-8    Sale of Bonds from Bank's Investment Portfolio Pursuant to a Collaterized Put    4175
85-20    Sale of Bonds from Bank's Investment Portfolio Pursuant to a Collaterized Put Accounting Treatment    4188
85-28    Guaranteeing the Fidelity of Debtors to a Federal Agency    4198
86-1    Guarantee of Loans to Nonbanking Affiliates by Affiliated Banks Within a Bank Holding Company    4199
86-4    Bank Sale of Automobile Warranty Is Not Within Scope of Traditional Banking Activities    4205
{{8-31-06 p.4016.16-A}}
86-16    Bank Guarantees of Customer Obligations Are Prohibited    4215
86-20    Insurance Coverage of Lock Box Deposit Account Maintained by Real Estate Agent    4220
{{12-30-05 p.4016.17}}
86-39    Bank Agreement to Be Responsible to Customers and Clearing Broker for Any Loss of Funds Resulting from Misappropriation, Conversion or Errors Made by Bank Affiliated Broker-Dealer    4242
87-5    Sale Leaseback of Bank Premises    4247
90-38    Surety Activities By Subsidiary of State Nonmember Bank    4469
91-67    Exemption for Customer-Sponsored Credit Card Programs Under 12 C.F.R. § 332.3 Does Not Extend to Credit Cards Issued to Businesses    4576
92-27    Whether Certain Deposit Product Violates Prohibition Against Paying Interest on Demand Deposits (12 CFR 329.2)    4631
92-81    After December 19, 1992, Insured State Banks May Not Invest in Tax Certificates Without FDIC's Consent    4693
94-36    Effect of Proposed Holding Company Formation on the ``Grandfathered'' Status of a Subsidiary for Purposes of § 24(d) of the FDI Act    4886
00-2    Would certain sweep accounts violate the Federal Deposit Insurance Act   4984.44


Real Estate-Related Financial Transactions
Letter No.Page
90-72    Whether the Taking of Additional Real Estate Collateral Meets the Definition of ``Real Estate-Related Transaction'' under 12 C.F.R. § 323.2(g)    4502
90-75    Whether a New Appraisal is Required Pursuant to 12 C.F.R. § 323 When a Line of Credit is Renewed and the Original Appraiser Was Not Certified    4507
91-8    Whether Property Held in a Land Trust and Assigned as Collateral for Credit Line Which is Subsequently Increased Requires an Appraisal Under 12 C.F.R. § 323    4525
91-12    Whether an Appraisal is Required Pursuant to 12 C.F.R. § 323 Where Additional Credit May be Advanced at Lender's Option Under Loan Agreement    4529
91-63    Depository Institution's Nonrecourse Financing of Third Party's Purchase of Mortgage Loans for 90 Percent or 100 Percent of Purchase Price is Exempt Under FDIC's Appraisal Regulations (12 C.F.R. § 323)    4572
91-82    Interpretation of 12 C.F.R. § 323.5 Where Mortgage Broker Acts as Agent for Institution in Ordering Appraisals    4593
91-86    Deposits of Real Estate Trust Account (``RETA'') Program Established by State Statute May, Like IOLTA Deposits, Be Held in NOW Accounts    4596
91-90    Whether an Appraisal is Required Under 12 C.F.R. § 323.2(g) Where Real Estate Held as Collateral for Existing Loan Changes Legal Form and Where Institution Subordinates Its Interest In Leasehold Collateral to Subsequent Lender    4601
92-1    Whether Cancelling Revolving Loan Commitment and Establishing Installment Payment Schedule Constitutes a ``Real Estate-Related Financial Transaction'' or ``Refinancing of Real Property'' Under 12 C.F.R. § 323.2(g)    4605
92-5    Questions Concerning What Constitutes ``Refinancing of Real Property'' Under 12 C.F.R. § 323.2(g)(2)    4609
92-7    Whether Institution Must Aggregate Indebtedness Owed to It by Same Borrower and Secured by Same Real Property in Determining ``Transaction Value'' Under 12 C.F.R. § 323.3(a)(1)    4610
92-9    Situations in Which an Appraisal is Required Under 12 CFR Part 323    4612
92-17    Whether Appraisal Is Required for Refinancings of FHA and VA Loans or with Loans Financing Purchase of Homes Acquired by FHA/VA Through Foreclosure Where no Current Appraisal Is Required Under FHA/VA Rules    4617
92-46    FDIC Will Accept Continuity of Loan Purpose Where Loan Refinances Another loan Qualifying as a ``Home Residence Loan''    4649
{{12-30-05 p.4016.18}}
92-62    Release of Collateral Is ``Refinancing'' Under 12 C.F.R. § 323.2(g)(2) if New Note Is Taken of if Release Constitutes a Material Modification of Original Loan Terms    4673
92-78    FHA Trustees Servicing FHA-Related Mortgage Portfolios Are Not Subject to Brokered Deposit Registration Requirements    4689
92–93    Appraisal Exemption May Not be Used to Condition Financing of Development Project Beyond $100,000 Upon Receipt of Appraisal; Total Amount Covered by Loan Is Transaction Value, Not Separate Value of Each Construction Project/Unit    4707
93-23    New Appraisals of Real Estate Collateral not Required Where New Obligor Is Alter Ego of Prior Obligors and Where Four Criteria Set Forth in Refinancing Exemption (12 C.F.R. § 323.3(a)(4)) Are Met    4742
93-25    Bank May Establish Line of Credit for Purpose of Funding Mortgage Loans Originated by Mortgage Company Subsidiary Under Section 23A of the Federal Reserve Act    4750
93-38    Insurance Coverage of Mortgage Servicing Accounts Under New Rules    4774
93-52    Application of Real Estate Lending Standards to Interim Construction Loan for Low-Income and Elderly Apartment Housing    4789
93-76    Applying a Single Real Estate Lending Policy to Two Closely Affiliated Institutions    4820
95-1    Riegle Community Development and Regulatory Improvement Act of 1994 Requires Use of Complete FEMA Map and Panel Number for Real Property Offered as Collateral for Loan    4913
96-10    Loans Made by Insured Depository Institutions for Properties Located in Communities Not Participating in the National Flood Insurance Program    4978


Receivership and Liquidation
Letter No.Page
84-19    Handling of Loan Participations Where Receiver is Appointed for Lead Bank    4159
85-4    Insured Nonmember Banks Must Obtain Prior FDIC Consent to Repurchase Underlying Securities from Unit Investment Trust    4169
86-8    Separate Corporate Identity of Subsidiary Established by Insolvent FDIC-Insured Institution in Connection with the Issuance of Mortgage Pay-Through Bonds or Preferred Stock    4209
88-14    Deposit Insurance for U.S. Treasury Bills    4310
88-15    Effect of Unposted Debts on Deposit Accounts at the Time a Bank Closed    4311
88-21    Insurance Coverage of IRA Accounts    4317
88-30    FDIC Policy Regarding Liquidation of Repurchase Transactions by Insolvent Banks    4325
88-49    Close-Out of Forward Currency Obligations Owned by Banks in FDIC Receivership    4351
88-80    Timing and Method of Paying Insured Deposits When FDIC-Insured Bank Fails    4380
88-82    Documents Required When a Bank Fails and Records Are Missing, Incomplete or Incorrect    4382
89-5    FDIC's Policy Regarding the Treatment of ``SWAP'' Transactions in Its Receiverships    4391
89-37    Administrative Levies of the Internal Revenue Service Against Taxpayer Accounts in Closed Banks    4418
89-48    Transactions in Which an Insured Depository Institution Grants a Security Interest in Assets of the Institution to a Third Party    4423
89-49    Self-Help Liquidation of Collateral by Second Claimants in Insured Depository Institution Receiverships    4425
{{12-30-05 p.4016.19}}
91-2    Treatment of Payments Made to Bondholders Pursuant to Letters of Credit When Issuing Bank Becomes Insolvent    4520
91-11    Whether FDIC as Receiver of a Failed Depository Institution Will Allow a Depositor to Offset Deposits Against Indebtedness Owed to Depository Institution    4527
91-24    Avoidability of Security Interest in Collateral Pursuant to ``Contemporaneous'' Requirement of 12 U.S.C. §§ 1821(d), 1821(n)(4)(I) and 1823(e)    4537
91-47    Insurance Coverage Afforded Deposit Accounts Containing Rollover Funds Awaiting Investment in Securities When Insured Bank Fails    4556
91-48    Legal Memorandum in Support of FDIC and RTC Statements of Policy Regarding Payment of State and Local Property Taxes    4556
91-71    Treatment of Securities Purchased by Trade Association Pursuant to Master Repurchase Agreement Between Association and Bank Upon Subsequent Failure of Bank    4581
92–89    Disposition of Uncollected Cashier's Checks Upon Date of Depository Institution Default    4701
93-10    Circumstances Under Which FDIC as Receiver Will Not Seek to Avoid Security Interest or Collateral Pledge Under 12 U.S.C. 1823(e)    4726
93-61    Investment of Idle Custodial Funds in Repurchase Agreements by Agencies Selling Livestock on Commission Basis for Department of Agriculture    4799
94-1    ``Deposit Liability'' for Purposes of National Depositor Preference Includes Only Deposits Payable in U.S.    4825
94-23    The Status of American Depository Receipts    4858
95-2    How Items in Process of Payment are Handled When Payor Bank Fails    4914
97-1    Whether a Pledge of Assets by a Bank to Secure a Deposit by a Nonprofit Organization Would be Legally Enforceable in the Event of the Appointment of the FDIC as Receiver or Conservator for the Institution    4984


Recordkeeping Requirements for Deposit Insurance
Letter No.Page
86-17    Recordkeeping Requirements for Deposit Insurance of Bearer Certificates of Deposit Held as Agent or Trustee    4216
87-20    Fiduciary Records as Disclosure Requirements for Insurance Coverage    4266
87-33    Insurance Coverage of Accounts Established for Workman's Compensation Benefits    4273
88-46    Deposit of CDs Supporting Municipal Bonds    4346
88-55    Insurance Coverage of CDs Purchased in Secondary Market and Sold to Bank Customers    4356
88-57    Recordkeeping Requirements for CDs Purchased by Multi-Tiered Agents or Nominees    4358
88-65    Recordkeeping Requirements for Deposits Supporting Municipal Bond Issues    4367
88-73    Determining Ownership of Escrow Accounts for Purposes of Insurance Coverage    4374
90-4    Non-Appropriated Fund Activities (NAFAs)    4435
90-17    Custodial Accounts: Recordkeeping Requirements    4449
90-34    Selling Participations in ``Negotiable'' Certificates of Deposit: Recordkeeping Requirements    4466
90-39    Reliance on Commonly Accepted Acronyms to Meet the Disclosure of Fiduciary Relationships Requirement Under § 330.4    4469
90-40    Domestic Brokered Deposits of Foreign Bank Customer Funds: Recordkeeping Requirements    4471
90-41    Insurance of Mortgage Servicing Accounts Under New Rules    4472
91-53    Insurance Coverage Afforded Beneficial Interest Holders in Mortgage Revenue Bonds Issued by a Housing Development Authority    4563
{{12-30-05 p.4016.20}}
91-62    Practice of Carrying Mortgage Servicing Accounts on Depository Institution's General Ledger is Acceptable So Long as Certain Recordkeeping and Reporting Requirements are Met    4572
91-91    Insurance Coverage Provided for Funds Held by a Depository Institution on Behalf of Company Offering a Consumer Rebate/Annuity Program and Participants Therein    4602
92-30    Insurance Coverage of Interest on Lawyer Trust Accounts (IOLTAs)    4633
92-49    Bank's Three-Part Recordkeeping System for Deposit Accounts Satisfies Signature Card Requirements for Joint Ownership Accounts Under 12 C.F.R. § 330.7    4654
94-19    Revocable Trust Accounts Where Named Beneficiary Also Holds Power of Attorney With Respect to the Account    4853
94-20    Titling Requirements for Payable-on-Death Accounts    4854
95-7    Deposit Insurance Coverage of Pension and Profit Sharing Plans    4919
99-6    Obligations Under the ``Interagency Policy Statement on Retail Sales of Nondeposit Products'' and the FDIC's Recordkeeping and Disclosure Requirements    4984.40


Reports and Public Disclosure Of Indebtedness Of Executive Officers and Principal Shareholders To A State Nonmember Bank and Its Correspondent Banks
Letter No.Page
79-5    Opinion Regarding Title VIII Implications on Correspondent Bank Relationship    4021
79-17    Preferential Loans on Bank Stocks Involving Correspondent Banks    4034
79-18    Preferential Bank Stock Loans in Correspondent Relationships    4034
80-3    Reporting Requirements under Titles VIII and IX of FIRA Relating to Overdrafts    4037
81-9    Reporting Requirements of Foreign Banks under FIRIRCA    4071


Securities Activities
 
Letter No.Page
83-9    Letter of Credit Issued to Insurance Company Not in Violation of Part 332    4127
83-21    Insured Nonmember Bank May Participate in Investment Services Program Without Violating the Glass-Steagall Act    4139
84-7    Bank Compliance with Regulations on Collecting and Reporting Information on Principal Shareholders    4149
84-18    Nonbank Activities of Nonmember Bank    4158
85-3    Affiliation of Insured Nonmember Banks with Securities and Companies    4167
85-12    Registered Broker-Dealer as Affiliate of Insured Bank    4182
85-21    Nondiscretionary Advances to a Unit Investment Trust by Insured Nonmember Bank Serving as Trustee    4188
85-22    Applicability of 12 CFR 337.4 to Foreign Company Affiliates Engaged in Securities Activities Solely Outside the United States    4189
85-23    Federal Insurance for Deposit-Taking Activities of Trust Companies    4191
86-2    Bank Subsidiary Engaged Only in Securities Activities Permissible for the Bank itself Under Glass-Steagall Act Is Not Required to Meet Definition of a Bona Fide Subsidiary    4200
86-3    Insurance Coverage of Deposits of Futures Commission Merchants and Clearing Organizations in FDIC-Insured Banks    4200
86-5    Acquisition and Resale of Mandatorily Convertible Capital Notes    4206
86-9    Applicability of FDIC Restrictions on Affiliate Engaged in Securities Activities Permissible Under the Glass-Steagall Act    4211
86-18    Glass-Steagall Act Does Not Bar Insured Nonmember Bank Participation as Correspondent in Securities Brokerage and Investment Advisory Services Offered by Others    4217
86-19    Standby Letter of Credit Issued in Lieu of Contractors' Performance Bonds    4219
86-27    Exemption from Securities Activities Prohibitions    4226
{{4-30-08 p.4016.21}}
86-32    Contract to Provide Securities Brokerage Services at Branch Offices of Participating Financial Institutions    4232
86-36    Sale of Securities and Mutual Funds on Bank Premises    4239
87-4    Application for Deposit Insurance    4246
87-13    Brokerage Services on Premises of State-Chartered Banks    4258
87-14    Sharing a Common Name by Bank and Its Affiliates    4260
87-26    Treatment and Deposit Insurance Application in Light of Competitive Equality Banking Act of 1987    4268
87-34    Thrift Institution—Bank Space/Lease Compensation Agreement with Company Marketing Life Insurance and Fixed Annuity Products    4274
87-50    Application of CEBA Grandfather Provision on Thrift and Loan Affiliated with Mortgage Banking Company and Securities Broker-Dealer    4287
87-52    Computation of Affiliates' ``Covered Transactions'' under Section 23A    4288
87-56    Taking Collateral for Loan Transfers Risk from Affiliates to Bank    4291
88-2    FDIC Insurance of Accounts of Proposed Industrial Loan Company    4296.02
88-17    Application of CEBA to Securities Activities Conducted by a Subsidiary    4312
88-24    ``Continuous Operation'' Provision of 12 CFR 337.4    4318
88-31    Subsidiary Requirements for Broker/Dealer Subsidiary Engaged in Riskless Principal Transactions in U.S. Government Securities, Municipal Bonds and Revenue Bonds    4326
88-36    Bank's Purchase of Mortgage Servicing Rights from Affiliate    4333
88-39    Bank Transactions with Affiliated Securities Companies    4338
88-42    Disclosure Requirement for Bank Securities Activities    4342
88-43    Unrelated Third Party Non-Banking Activities on Insured Nonmember Bank Premises    4343
88-50    Purchase of Low Quality Assets in Credit Card System    4351
88-58    Instances When Securities Subsidiary Must Meet Definition of ``Bona Fide'' Subsidiary    4360
88-61    Collateral Requirement of Federal Reserve Act Section 23A on Loans to Unaffiliated Third Party    4364
88-75    Insurance Coverage of Mortgage Servicing Accounts    4375
89-1    Contractual Activities of Wholly Owned Subsidiary with Registered Broker/Dealer Do Not Constitute Underwriting for the Purposes of the Glass-Steagall Act and 12 CFR 337.4    4384
89-2    Insured Nonmember Bank Participation in Investment Securities Program    4385
89-4    FDIC Insured Bank Acting for Purchase of Shares of 12b-1 Mutual Funds    4388
89-14    Capital Notes Sold as Unregistered Securities    4399
89-15    12 C.F.R. Part 335—Insider Trading—Employee Savings Plan    4399
89-35    Securities Repurchase Agreement    4416
89-43    Stockholder Rights Plans: Acceleration of Registration of Rights    4420
90-10    Pledge of Government Securities for the Purpose of Securing Bank Deposits In Excess of $100,000    4443
90-58    Insurability of Unit Investment Trusts    4490
90-67    Sublease of Office Space in Bank Branch to Securities Broker-Dealer Does Not Violate Glass-Steagall Act    4497
90-69    Bank's Open Market Purchase of Subordinated Debt Issued by Its Parent Holding Company Is Subject to Lending Limits of § 23A of the Federal Reserve Act    4499
91-32    Sale of Annuities by Bank as Agent for Insurance Company Where Bank Does Not Engage In Any Activities Prohibited by the Glass-Steagall Act Is Permissible    4542
91-36    Whether a Bank Must Be Registered as a Transfer Agent Under Section 17A of the Securities Exchange Act Where Bank Transfers Only Corporate Debt Securities    4547
{{4-30-08 p.4016.22}}
91-71    Treatment of Securities Purchased by Trade Association Pursuant to Master Repurchase Agreement Between Association and Bank Upon Subsequent Failure of Bank    4581
91-74    Prior Notice Provision of 12 C.F.R. § 337.4 Applies Where Insured Nonmember Bank Establishes Subsidiary and Transfers Its Investment Portfolio to Subsidiary    4584
92-28    Effect of Section 24 of the FDI Act on State-Chartered BIF Member Insured Savings Bank's Investment in Limited Partnership Organized to Make Portfolio Investments in Equity of Various Enterprises    4632
92-48    Insured Nonmember Bank May Participate in Brokerage Networking Program Without Violating Glass-Steagall Act    4651
92-57    Explanation of 12 C.F.R. Part 344 (Recordkeeping and Confirmation Requirements for Securities Transactions)    4666
93-12    Mutual Fund Investments Permissible for Insured State Banks    4729
93-26    FDIC Will not Require Compliance with New SEC Rule 16b-3 Until September 30, 1993 or Later Effective Date Established by SEC    4750
93-33    FDIC Will Not Require Compliance with New SEC Rule 16b-3 Until SEC Sets Final Effective Date    4769
93-51    12 U.S.C. § 1831a Does Not Prohibit State-Chartered Banks from Purchasing Nominal Amounts of Farmer Mac Common Stock as Necessary to Participate in Farmer Mac Program    4788
93-60    Proportionate Anti-Dilution Adjustments and Amendments to Non-Qualified Stock Option Plans Do Not Require Shareholder Approval Under FDIC Regulations    4797
94-6    Whether Bank Subsidiary May Hold Common Stock Listed on National Securities Exchange    4833
94-30    Application of § 344.4(a)(2) Which Establishes Recordkeeping and Confirmation Requirements for Securities Transactions    4869
94-33    Guidance Concerning the Retail Sale of Mutual Funds and Other Non-Deposit Investment Products Through a Securities Brokerage Service    4883
94-53    Application of Section 344.4: Sale of Securities Through Banks    4908
95-30    State Banks May Hold the Stock of a Company Which Operates an EFT System of Which They Are Members    4957
95-37    Whether Post-trade Confirmation and Matching Messages Transmitted Through an Electronic Trade Confirmation System Meet the Requirements of FDIC Part 344    4965
96-1    Interpretation of the Department of Treasury Regulations Implementing the Government Securities Act    4966
98-1    Interpretation of General Counsel Opinion Number 6    4984.28-A
00-1    Whether a state nonmember bank may use FHLMC and FNMA mortgage pass-through securities as the underlying security for repurchase agreements the bank issues to customers   4984.44


Usufructure
Letter No.Page
87-8    Deposit Insurance Coverage of Usufruct Accounts in Louisiana    4254
87-29    Irrevocable Trusts and Usufructs    4271


Usury
Letter No.Page
81-7    Interest Rates for Loans Made to Out-of-State Bank Customer    4069
83-16    Interest Rate on Loans to Customers Residing in States That Have Rejected the Federal Preemption Provision    4134
88-45    Relationship of State Usury Preemption Laws    4345


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