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7500 - FRB Regulations


TABLE OF CONTENTS

FEDERAL RESERVE ACT

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

Regulations

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)

PART 211—INTERNATIONAL BANKING OPERATIONS (REGULATION K)

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

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

Subpart D—International Lending Supervision

Interpretations

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

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

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

Subpart B — General Provisions of Section 23A

Subpart C — Valuation and Timing Principles Under Section 23A

Subpart D — Other Requirements Under Section 23A

Subpart E — Exemptions from the Provisions of Section 23A

Subpart F — General Provisions of Section 23B

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

Subpart H — Miscellaneous Interpretations

Subpart I — Savings Associations — Transactions with Affiliates

PART 224—BORROWERS OF SECURITIES CREDIT (REGULATION X)

Bank Holding Company Act of 1956


SEC. 1. Short Title
SEC. 2. Definitions
(a) Bank holding company
(b) Company; company covered in 1970
(c) Bank defined
(d) Subsidiary
(e) Successor
(f) Board
(g) Ownership and control
(h) Extraterritorial effect
(i) Thrift institution
(j) Definition of savings association and related terms
(k) Affiliate (l)
(n) Incorporated definitions
(o) Other definitions
(p) Financial holding company
(q) Insurance company
SEC. 3. Acquisition of Bank Shares or Assets
(a) Prior approval of Board as necessary; exceptions; subsequent approval or disposition upon disapproval
(b) Notice and hearing requirements; waiver in case of bank in danger of closing
(c) Factors for consideration by Board
(d) Interstate banking
(e) Insured depository institution   (f)
(g) Mutual bank holding company
SEC. 4. Interests in Nonbanking Organizations
(a) Ownership or control of voting shares of any company not a bank; engagement in activities other than banking
(b) Statement purporting to represent shares of any company except a bank or bank holding company
(c) Exemptions
(d) Exemption of company controlling one bank prior to July 1, 1968
(e) Divestiture of nonexempt shares
(f) Certain companies not treated as bank holding companies
(g) Limitations on certain banks
(h) Tying provisions
(i) Acquisition of savings associations
(j) Notice procedures for nonbanking activities
(k) Engaging in activities that are financial in nature
(l) Conditions for engaging in expanded financial activities
(m) Provisions applicable to financial holding companies that fail to meet certain requirements
(n) Authority to retain limited nonfinancial activities and affiliations
(o) Regulation of certain financial holding companies
SEC. 5. Administration
(a) Registration of bank holding company
(b) Regulations and orders
(c) Reports and examinations
(d) Reports to the Congress; recommendations
(e) Enforcement and jurisdiction
(f) Powers of Board respecting applications, examinations, or other proceedings
(g) Authority of state insurance regulator and the securities and exchange commission
SEC. 6. [Repealed]
SEC. 7. Reservation of rights to States
(a) In general
(b) State taxation authority not affected
SEC. 8. Penalties
(a) Criminal penalty
(b) Civil money penalty
(c) Notice under this section after separation from service
(d) Penalty for failure to make reports
SEC. 9. Judicial Review
SEC. 10A. [Repealed]
SEC. 11. Saving Provision
(a) General rule
(b) Antitrust review;
(c) Antitrust proceedings; Board and State banking agency as party; representation by counsel
(d) Treatment of merger transactions consummated prior or subsequent to May 9, 1956, and not in litigation prior to July 1, 1966
(e) Antitrust litigation; substantive law applicable to proceedings pending on or after July 1, 1966, with respect to merger transactions
(f) ``Antitrust laws'' defined
SEC. 105 Acquisition of subsidiary and tying arrangement; Federal Reserve Board proceedings; application for authorization; competitor or as party interest and person aggrieved; judicial review 
SEC. 618 Securities holding companies 
SEC. 13 Prohibitions on proprietary trading and certain relationships with hedge Funds and private equity funds 
SEC. 14 Concentration limits on large financial firms 

Tying Arrangements

Part 225—Bank Holding Companies And Change in Bank Control (Regulation Y)

REGULATIONS

Subpart A—General Provisions

Subpart B—Acquisition of Bank Securities or Assets

Subpart C—Nonbanking Activities and Acquisitions by Bank Holding Companies

Subpart D—Control and Divestiture Proceedings

Subpart E—Change in Bank Control

Subpart F—Limitations on Nonbank Banks

Subpart G—Appraisal Standards for Federally Related Transactions

Subpart H—Notice of Addition or Change of Directors and Senior Executive Officers

Subpart I—Financial Holding Companies


SEC. 225.81 What is a financial holding company?
SEC. 225.82 How does a bank holding company elect to become a financial holding company?
SEC. 225.83 What are the consequences of failing to continue to meet applicable capital and management requirements?
SEC. 225.84 What are the consequences of failing to maintain a satisfactory or better rating under the Community Reinvestment Act at all insured depository institution subsidiaries?
SEC. 225.85 Is notice to or approval from the Board required prior to engaging in a financial activity?
SEC. 225.86 What activities are permissible for any financial holding com- pany?
SEC. 225.87 Is notice to the Board required after engaging in a financial activity?
SEC. 225.88 How to request the Board to determine that an activity is financial in nature or incidental to a financial activity?
SEC. 225.89 How to request approval to engage in an activity that is complementary to a financial activity?
SEC. 225.90 What are the requirements for a foreign bank to be treated as a financial holding company?
SEC. 225.91 How may a foreign bank elect to be treated as a financial holding company?
SEC. 225.92 How does an election by a foreign bank become effective?
SEC. 225.93 What are the consequences of a foreign bank failing to continue to meet applicable capital and management requirements?
SEC. 225.94 What are the consequences of an insured branch or depository institution failing to maintain a satisfactory or better rating under the Community Reinvestment Act?

INTERPRETATIONS


SEC. 225.101 Bank holding company's subsidiary banks owning shares of nonbanking companies
SEC. 225.102 Bank holding company indirectly owning nonbanking company through subsidiaries
SEC. 225.103 Bank holding company acquiring stock by dividends, stock splits or exercise of rights     
SEC. 225.104 ``Services'' under section 4(c)(1) of Bank Holding Company Act     
SEC. 225.107 Acquisition of stock in small business investment company. . %7982
SEC. 225.109 ``Services'' under section 4(c)(1) of Bank Holding Company Act     
SEC. 225.111 Limit on investment by bank holding company system in stock of small business investment companies     
SEC. 225.112 Indirect control of small business concern through convertible debentures held by small business investment company
SEC. 225.113 Services under section 4(a) of Bank Holding Company Act
SEC. 225.115 Applicability of Bank Service Corporation Act in certain bank holding company situations     
SEC. 225.118 Computer services for customers of subsidiary banks     
SEC. 225.121 Acquisition of Edge corporation affiliate by State member banks of registered bank holding company     
SEC. 225.122 Bank holding company ownership of mortgage companies     
SEC. 225.123 Activities closely related to banking     
SEC. 225.124 Foreign bank holding companies     
SEC. 225.125 Investment adviser activities     
SEC. 225.126 Activities not closely related to banking     
SEC. 225.127 Investment in corporations or projects designed primarily to promote community welfare     
SEC. 225.129 Activities closely related to banking     
SEC. 225.130 Issuance and sale of short-term debt obligations by bank holding companies     
SEC. 225.131 Activities closely related to banking     
SEC. 225.132 Acquisition of assets     
SEC. 225.133 Computation of amount invested in foreign corporations under general consent procedures     
SEC. 225.134 Escrow arrangements involving bank stock resulting in a violation of the Bank Holding Company Act     
SEC. 225.136 Utilization of foreign subsidiaries to sell long-term debt obligations in foreign markets and to transfer the proceeds to their United States parent(s) for domestic purposes     
SEC. 225.137 Acquisition of shares pursuant to section 4(c)(6) of the Bank Holding Company Act     
SEC. 225.138 Statement of policy concerning divestitures by bank holding companies     
SEC. 225.139 Presumption of continued control under section 2(g)(3) of the Bank Holding Company Act     
SEC. 225.140 Disposition of property acquired in satisfaction of debts previously contracted     
SEC. 225.141 Operations subsidiaries of a bank holding company     
SEC. 225.142 Statement of policy concerning bank holding companies engaging in futures, forward and options contracts on U.S. Government and agency securities and money market instruments     
SEC. 225.143 Policy statement on nonvoting equity investments by bank holding companies     
SEC. 225.145 Limitations established by the Competitive Equality Banking Act of 1987 on the activities and growth of nonbank banks     

Subpart J—Merchant Banking Investments

Subpart K—Proprietary Trading and Relationships With Hedge Funds
and Private Equity Funds

Subpart L—Conditions to Orders

Appendices to Subparts


Appendix A—Capital Adequacy Guidelines for Bank Holding Companies: Risk-Based Measure
Appendix B—Capital Adequacy Guidelines for Bank Holding Companies and State Member Banks: Leverage Measure
Appendix C—Small Bank Holding Company Policy Statement
Appendix D—Capital Adequacy Guidelines for Bank Holding Companies: Tier 1 Leverage Measure
Appendix E to Part 225—Capital Adequacy Guidelines for Bank Holding Companies: Market Risk Measure
Appendix F To Part 225—Interagency Guidelines Establishing Standards For Safeguarding Customer Information
Supplement A to Appendix F to Part 225—Interagency Guidance on Response Programs for Unauthorized Access to Customer Information and Customer Notice
Appendix G to Part 225—Capital Adequacy Guidelines for Bank Holding Companies: Internal-Ratings-Based and Advanced Measurement Approaches

FRB Policy Statements

Part 265—Rules Regarding Delegation of Authority


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Last updated September 16, 2013 regs@fdic.gov