FDIC Law, Regulations, Related Acts
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Subtitle IV—Money
Chapter 53—Monetary Transactions
Subchapter II—Records and Reports on Monetary Instruments Transactions
SEC. 5311
Declaration of purpose
SEC. 5312
Definitions and application
SEC. 5313
Reports on domestic coins and currency transactions
SEC. 5314
Records and reports on foreign financial agency transactions
SEC. 5315
Reports on foreign currency transactions
SEC. 5316
Reports on exporting and importing monetary instruments
SEC. 5317
Search and forfeiture of monetary instruments
SEC. 5318
Compliance and exemptions, and summons authority
SEC. 5318A
Special measures for jurisdictions, financial institutions,
international transactions or types of accounts of primary money
laundering concern
SEC. 5319
Availability of reports
SEC. 5320
Injunctions
SEC. 5321
Civil penalties
SEC. 5322
Criminal penalties
SEC. 5323
Rewards for informants
SEC. 5324
Structuring transactions to evade reporting requirement prohibited
SEC. 5325
Identification required to purchase certain monetary instruments
SEC. 5326
Records of certain domestic coin and currency transactions
SEC. 5327
[Repealed]
SEC. 5328
Whistleblower protections
SEC. 5329
Staff commentaries
SEC. 5330
Registration of money transmitting businesses
SEC. 5331
Reports relating to coins and currency received in nonfinancial trade
or business
SEC. 5332
Bulk cash smuggling into or out of the United States
CHAPTER X—FINANCIAL CRIMES ENFORCEMENT NETWORK,
DEPARTMENT OF
THE TREASURY
The following highlights the changes in regulatory structure made as part of the transfer of FinCEN's regulations from 31 CFR Part 103 to 31 CFR Chapter X effective March 1, 2011. The parts not included in FDIC Laws, Regulations and Related Act are available at http://www.fincen.gov/statutes_regs/bsa/
PART 1010—GENERAL PROVISIONS
Subpart A—General Definitions
Subpart B—Programs
SEC. 1010.200
General
SEC. 1010.205
Exempted anti-money laundering programs for certain financial
institutions
SEC. 1010.210
Anti-money laundering programs
SEC. 1010.220
Customer identification program requirements
Subpart C—Reports Required To Be Made
SEC. 1010.300
General
SEC. 1010.301
Determination by the Secretary
SEC. 1010.305
[Reserved]
SEC. 1010.306
Filing of reports
SEC. 1010.310
Reports of transactions in currency
SEC. 1010.311
Filing obligations for reports of transactions in currency
SEC. 1010.312
Identification required
SEC. 1010.313
Aggregation
SEC. 1010.314
Structured transactions
SEC. 1010.315
Exemptions for non-bank financial institutions
SEC. 1010.320
Reports of suspicious transactions
SEC. 1010.330
Reports relating to currency in excess of $10,000 received in a trade
or business
SEC. 1010.331
Reports relating to currency in excess of $10,000 received as bail by
court clerks
SEC. 1010.340
Reports of transportation of currency or monetary instruments
SEC. 1010.350
Reports of foreign financial accounts
SEC. 1010.360
Reports of transactions with foreign financial agencies
SEC. 1010.370
Reports of certain domestic coin and currency transactions
Subpart D—Records Required To Be Maintained
SEC. 1010.400
General
SEC. 1010.401
Determination by the Secretary
SEC. 1010.405
[Reserved]
SEC. 1010.410
Records to be made and retained by financial institutions
SEC. 1010.415
Purchases of bank checks and drafts, cashier's checks, money orders and
traveler's checks
SEC. 1010.420
Records to be made and retained by persons having financial interests
in foreign financial accounts
SEC. 1010.430
Nature of records and retention period
SEC. 1010.440
Person outside the United States
Subpart E—Special Information Sharing Procedures To Deter
Money Laundering and Terrorist Activity
SEC. 1010.500
General
SEC. 1010.505
Definitions
SEC. 1010.520
Information sharing between government agencies and financial
institutions
SEC. 1010.530
[Reserved]
SEC. 1010.540
Voluntary information sharing among financial institutions
Subpart F—Special Standards of Diligence; Prohibitions; and Special Measures
SPECIAL DUE DILIGENCE FOR CORRESPONDENT ACCOUNTS AND
PRIVATE BANKING ACCOUNTS
SEC. 1010.605 Definitions
SEC. 1010.610 Due diligence programs for correspondent accounts for foreign financial institutions
SEC. 1010.620 Due diligence programs for private banking accounts
SEC. 1010.630 Prohibition on correspondent accounts for foreign shell banks; records concerning owners of foreign banks and agents for service of legal process
SEC. 1010.640 [Reserved]
SPECIAL MEASURES UNDER SECTION 311 OF THE USA PATRIOT ACT AND LAW ENFORCEMENT ACCESS TO FOREIGN BANK RECORDS
SEC. 1010.651 Special measures against Burma
SEC. 1010.653 Special measures against Commercial Bank of Syria
SEC. 1010.654 Special measures against VEF Bank
SEC. 1010.655 Special measures against Banco Delta Asia
SEC. 1010.670 Summons or subpoena of foreign bank records; Termination of correspondent relationship
Subpart G—Administrative Rulings
SEC. 1010.710
Scope
SEC. 1010.711
Submitting requests
SEC. 1010.712
Nonconforming requests
SEC. 1010.713
Oral communications
SEC. 1010.714
Withdrawing requests
SEC. 1010.715
Issuing rulings
SEC. 1010.716
Modifying or rescinding rulings
SEC. 1010.717
Disclosing information
Subpart H—Enforcement; Penalties; and Forfeiture
SEC. 1010.810
Enforcement
SEC. 1010.820
Civil penalty
SEC. 1010.830
Forfeiture of currency or monetary instruments
SEC. 1010.840
Criminal penalty
SEC. 1010.850
Enforcement authority with respect to transportation of currency or
monetary instruments
Subpart I—Summons
SEC. 1010.911
General
SEC. 1010.912
Persons who may issue summons
SEC. 1010.913
Contents of summons
SEC. 1010.914
Service of summons
SEC. 1010.915
Examination of witnesses and records
SEC. 1010.916
Enforcement of summons
SEC. 1010.917
Payment of expenses
Subpart J—Miscellaneous
SEC. 1010.920
Access to records
SEC. 1010.930
Rewards for informants
SEC. 1010.940
Photographic or other reproductions of Government obligations
SEC. 1010.950
Availability of information
SEC. 1010.960
Disclosure
SEC. 1010.970
Exceptions, exemptions, and reports
SEC. 1010.980
Dollars as including foreign currency
PART 1020—RULES FOR BANKS
Subpart A—Definitions
Subpart B—Programs
SEC. 1020.200
General
SEC. 1020.210
Anti-money laundering program requirements for financial institutions
regulated only by a Federal functional regulator, including banks,
savings associations, and credit unions
SEC. 1020.220
Customer Identification Programs for banks, savings associations,
credit unions, and certain non-Federally regulated banks
Subpart C—Reports Required To Be Made By Banks
SEC. 1020.300
General
SEC. 1020.310
Reports of transactions in currency
SEC. 1020.311
Filing obligations
SEC. 1020.312
Identification required
SEC. 1020.313
Aggregation
SEC. 1020.314
Structured transactions
SEC. 1020.315
Transactions of exempt persons
SEC. 1020.320
Reports by banks of suspicious transactions
Subpart D—Records Required To Be Maintained By Banks
Subpart E—Special Information Sharing Procedures To Deter
Money Laundering and Terrorist Activity
SEC. 1020.500
General
SEC. 1020.520
Special information sharing procedures to deter money laundering and
terrorist activity for banks
SEC. 1020.530
[Reserved]
SEC. 1020.540
Voluntary information sharing among financial institutions
Subpart F—Special Standards of Diligence; Prohibitions, and
Special Measures for Banks
SEC. 1020.600
General
SEC. 1020.610
Due diligence programs for correspondent accounts for foreign financial
institutions
SEC. 1020.620
Due diligence programs for private banking accounts
SEC. 1020.630
Prohibition on correspondent accounts for foreign shell banks; records
concerning owners of foreign banks and agents for service of legal
process
SEC. 1020.640
[Reserved]
SEC. 1020.670
Summons or subpoena of foreign bank records; Termination of
correspondent relationship
PART 1023—RULES FOR BROKERS OR DEALERS IN SECURITIES
Subpart A—Definitions
Subpart B—Programs
SEC. 1023.200
General
SEC. 1023.210
Anti-money laundering program requirements for brokers or dealers in
securities
SEC. 1023.220
Customer identification programs for broker-dealers
Subpart C—Reports Required To Be Made By Brokers or Dealers in Securities
SEC. 1023.300
General
SEC. 1023.310
Reports of transactions in currency
SEC. 1023.311
Filing obligations
SEC. 1023.312
Identification required
SEC. 1023.313
Aggregation
SEC. 1023.314
Structured transactions
SEC. 1023.315
Exemptions
SEC. 1023.320
Reports by brokers or dealers in securities of suspicious
transactions
Subpart D—Records Required To Be Maintained By Brokers or Dealers in Securities
SEC. 1023.400
General
SEC. 1023.410
Additional records to be made and retained by brokers or dealers in
securities
Subpart E—Special Information Sharing Procedures To Deter
Money Laundering and Terrorist Activity
SEC. 1023.500
General
SEC. 1023.520
Special information sharing procedures to deter money laundering and
terrorist activity for brokers or dealers in securities
SEC. 1023.530
[Reserved]
SEC. 1023.540
Voluntary information sharing among financial institutions
Subpart F—Special Standards of Diligence; Prohibitions, and
Special Measures for Brokers or Dealers in Securities
SEC. 1023.600
General
SEC. 1023.610
Due diligence programs for correspondent accounts for foreign financial
institutions
SEC. 1023.620
Due diligence programs for private banking accounts
SEC. 1023.630
Prohibition on correspondent accounts for foreign shell banks; records
concerning owners of foreign banks and agents for service of legal
process
SEC. 1023.640
[Reserved]
SEC. 1023.670
Summons or subpoena of foreign bank account records; Termination of
correspondent relationship
PART 1024—RULES FOR MUTUAL FUNDS
Subpart A—Definitions
Subpart B—Programs
SEC. 1024.200
General
SEC. 1024.210
Anti-money laundering programs for mutual funds
SEC. 1024.220
Customer identification programs for mutual funds
Subpart C—Reports Required To Be Made By Mutual Funds
SEC. 1024.300
General
SEC. 1024.310
Reports of transactions in currency
SEC. 1024.311
Filing obligations
SEC. 1024.312
Identification required
SEC. 1024.313
Aggregation
SEC. 1024.314
Structured transactions
SEC. 1024.315
Exemptions
SEC. 1024.320
Reports by mutual funds of suspicious transactions
Subpart D—Records Required To Be Maintained By Mutual Funds
Subpart E—Special Information Sharing Procedures To Deter
Money Laundering and Terrorist Activity
SEC. 1024.500
General
SEC. 1024.520
Special information sharing procedures to deter money laundering and
terrorist activity for mutual funds
SEC. 1024.530
[Reserved]
SEC. 1024.540
Voluntary information sharing among financial institutions
Subpart F—Special Standards of Diligence; Prohibitions, and
Special Measures for Mutual Funds
SEC. 1024.600
General
SEC. 1024.610
Due diligence programs for correspondent accounts for foreign financial
institutions
SEC. 1024.620
Due diligence programs for private banking accounts
SEC. 1024.630
Prohibition on correspondent accounts for foreign shell banks; records
concerning owners of foreign banks and agents for service of legal
process
SEC. 1024.640
[Reserved]
SEC. 1024.670
[Reserved]
PART 1028—RULES FOR OPERATORS OF CREDIT CARD SYSTEMS
Subpart A—Definitions
Subpart B—Programs
SEC. 1028.200
General
SEC. 1028.210
Anti-money laundering programs for operators of credit card
systems
Subpart C—Reports Required To Be Made By Operators of Credit Card Systems
SEC. 1028.300
General
SEC. 1028.310
[Reserved]
SEC. 1028.315
[Reserved]
SEC. 1028.320
[Reserved]
SEC. 1028.330
Reports relating to currency in excess of $10,000 received in a trade
or business
Subpart D—Records Required To Be Maintained By Operators of Credit Card Systems
Subpart E—Special Information Sharing Procedures To Deter
Money Laundering and Terrorist Activity
SEC. 1028.500
General
SEC. 1028.520
Special information sharing procedures to deter money laundering and
terrorist activity for operators of credit card systems
SEC. 1028.530
[Reserved]
SEC. 1028.540
Voluntary information sharing among financial institutions
Subpart F—Special Standards of Diligence; Prohibitions, and
Special Measures for Operators of Credit Card Systems
SEC. 1028.600
[Reserved]
SEC. 1028.610
[Reserved]
SEC. 1028.620
[Reserved]
SEC. 1028.630
[Reserved]
SEC. 1028.640
[Reserved]
SEC. 1028.670
[Reserved]
PART 1029—RULES FOR LOAN OR FINANCE COMPANIES
Subpart A—Definitions
Subpart B—Programs
Subpart C—Reports Required To Be Made By Loan or Finance Companies
SEC. 1029.300
General
SEC. 1029.310
[Reserved]
SEC. 1029.315
[Reserved]
SEC. 1029.320
Reports by loan or finance companies of suspicious transactionsSEC. 1029.330
trade or Business
Subpart D—Records Required To Be Maintained By Loan or Finance Companies
Subpart E—Special Information Sharing Procedures To Deter
Money Laundering and Terrorist Activity
SEC. 1029.500
General
SEC. 1029.520
Special information sharing procedures to deter money laundering and
terrorist activity for loan or finance companies
SEC. 1029.530
[Reserved]
SEC. 1029.540
Voluntary information sharing among financial institutions
Subpart F—Special Standards of Diligence; Prohibitions, and
Special Measures for Loan or Finance Companies
SEC. 1029.600
[Reserved]
SEC. 1029.610
[Reserved]
SEC. 1029.620
[Reserved]
SEC. 1029.630
[Reserved]
SEC. 1029.640
[Reserved]
SEC. 1029.670
[Reserved]
FEDERAL ELECTION CAMPAIGN ACT AMENDMENTS OF 1976
Title 1—Amendments to Federal Election Campaign Act of 1971
CONTRIBUTIONS OR EXPENDITURES BY NATIONAL BANKS, CORPORATIONS, OR LABOR ORGANIZATIONS
DEPOSITORY INSTITUTIONS DEREGULATION AND MONETARY CONTROL ACT OF 1980
Title I—Monetary Control Act of 1980
Title III—Consumer Checking Account Equity Act of 1980
Title IV—Powers of Thrift Institutions and Miscellaneous Provisions
Title V—State Usury Laws
SEC. 501
Mortgages
SEC. 511
Business and agricultural loans
SEC. 512
Effective date of Part B
SEC. 525
Effective date
Title VI—Truth in Lending Simplification
Title IX—Foreign Control of United States Financial Institutions
FEDERAL DEPOSIT INSURANCE CORPORATION IMPROVEMENT ACT OF 1991
Title I—Safety and Soundness
Subtitle B—Supervisory Reforms
Subtitle C—Accounting Reforms
SEC. 122.
Small Business and Small Farm Loan Information
(a)
In general
(b)
Credit availability
(d)
Contents
Subtitle E—Least Cost Resolution
Title II—Regulatory Improvement
Subtitle A—Regulation of Foreign Banks
SEC. 201.
Short title
SEC. 215.
Study and Report on Subsidiary Requirements for Foreign Banks
(a)
In general
(b)
Report required
Subtitle B—Customer and Consumer Provisions
Subtitle C—Bank Enterprise Act
SEC. 231.
Short Title
SEC. 232.
Reduced Assessment Rate for Deposits Attributable to Lifeline Accounts
(a)
Qualification of lifeline accounts by Federal Reserve Board
SEC. 233.
Assessment Credits for Qualifying Activities Relating to Distressed
Communities
(a)
Determination of credits for increases in community enterprise
activities
(b)
Qualified distressed community defined
(d)
Community Enterprise Assessment Credit Board
(e)
Duties of the board
(f)
Availability of funds
(g)
Prohibition on double funding for same activities
(h)
Priority of awards
(i)
Determination of amount of assessment credit
(j)
Definitions
SEC. 234.
Community Development Organizations
(a)
Community development organizations described
(b)
Community development bank requirements
(c)
Community development corporation requirements
(d)
Adequate dispersal requirement
(e)
Definitions
Title III—Regulatory Improvement
Subtitle A—Activities
SEC. 305.
Improving Capital Standards
(b)
Review of risk-based capital standards
(m)
Regulations
(n)
Existing transactions not affected
(o)
Reporting of credit by executive officers and directors
Subtitle B—Coverage
Subtitle C—Demonstration Project and Studies
SEC. 321.
Feasibility Study on Authorizing Insured and Uninsured Deposit Accounts
(a)
Study required
(b)
Factors to consider
(c)
Report
SEC. 322.
Private Reinsurance Study
(a)
Study
(b)
Report
Title IV—Miscellaneous Provisions
Subtitle A—Payment System Risk Reduction
SEC. 401.
Findings and Purpose
SEC. 402.
Definitions
SEC. 403.
Bilateral Netting
(a)
General rule
(b)
Limitation on obligation to make payment
(c)
Limitation on right to receive payment
(d)
Payment of net entitlement of failed financial institution
(e)
Effectiveness notwithstanding status as financial institution
(f)
Enforceability of security agreements
SEC. 404.
Clearing Organization Netting
(a)
General netting rule
(b)
Limitation of obligation to make payment
(c)
Limitation on right to receive payment
(d)
Entitlement of failed members
(e)
Obligations of failed members
(f)
Limitation on claims for entitlement
(g)
Effectiveness notwithstanding status as member
(h)
Enforceability of security agreements
SEC. 405.
Preemption
SEC. 406.
Relationship to Other Payments Systems
SEC. 407.
Treatment of contracts with uninsured National Banks, uninsured Federal
Branches and Agencies, certain uninsured State Member Banks, and Edge
Act Corporations
SEC. 407A.
National Emergencies
SEC. 408.
Definitions
SEC. 409.
Multilateral Clearing Organizations
Subtitle D—Miscellaneous Committees, Studies and Reports
SEC. 421.
Amendments Relating to Federal Reserve Board Reserve Requirements
(a)
Study on payment of imputed earnings on sterile reserves to insurance
funds
(b)
Report to Congress
(c)
Report of dissenting views
Subtitle F—Emergency Assistance for Rhode Island
Subtitle I—Bank and Thrift Employee Provisions
SEC. 451.
Continuation of Health Plan Coverage in Cases of Failed Institutions
(a)
Continuation coverage
(b)
Definitions
(c)
No premium costs imposed on FDIC
(d)
Effective date
Subtitle J—Sense of the Congress Regarding the Credit Crisis
Subtitle M—Other Miscellaneous Provisions
Subtitle N—Severability
FEDERAL TRADE COMMISSION ACT
SEC. 5
Unfair methods of competition unlawful; prevention by
Commission—Declaration of unlawfulness; power to prohibit unfair
practices
SEC. 18
Rulemaking
FINANCIAL INSTITUTIONS REFORM, RECOVERY AND ENFORCEMENT ACT OF 1989
TITLE IX—REGULATORY ENFORCEMENT AUTHORITY AND CRIMINAL ENHANCEMENTS
TITLE XI—REAL ESTATE APPRAISAL REFORM AMENDMENTS
SEC. 1103
Functions of appraisal subcommittee
SEC. 1104
Chairperson of appraisal subcommittee; term of chairperson;
meetings
SEC. 1105
Officers and staff
SEC. 1106
Powers of appraisal subcommittee
SEC. 1107
Procedures for establishing appraisal standards and requiring the use
of certified and licensed appraisers
SEC. 1108
Startup funding
SEC. 1109
Roster of state certified or licensed appraisers
SEC. 1110
Functions of the federal financial institutions regulatory agencies
relating to appraisal standards
SEC. 1111
Time for proposal and adoption of standards
SEC. 1112
Functions of the federal financial institutions regulatory agencies
relating to appraiser qualifications
SEC. 1113
Transactions requiring the services of a state certified appraiser
SEC. 1114
Transactions requiring the services of a state licensed appraiser
SEC. 1115
Time for proposal and adoption of rules
SEC. 1116
Certification and licensing requirements
SEC. 1117
Establishment of state appraiser certifying and licensing agencies
SEC. 1118
Monitoring of state appraiser certifying and licensing agencies
SEC. 1119
Recognition of state certified and licensed appraisers for purposes of
this title
SEC. 1120
Violations in obtaining and performing appraisals in federally related
transactions
SEC. 1121
Definitions
SEC. 1122
Miscellaneous provisions
SEC. 1123
Emergency exceptions for disaster areas
SEC. 1124
Appraisal management company minimum requirements
SEC. 1125
Automated valuation models used to estimate collateral value for
mortgage lending purposes
SEC. 1126
Broker price opinions
TITLE XII—MISCELLANEOUS PROVISIONS
SEC. 1206
Comparability in compensation schedules
SEC. 1213
Comptroller general audit and access to records
SEC. 1216
Equal opportunity
PART 1101—DESCRIPTION OF OFFICE, PROCEDURES, PUBLIC INFORMATION
SEC. 1101.1
Scope and purpose
SEC. 1101.2
Authority and functions
SEC. 1101.3
Organization and methods of operation
SEC. 1101.4
Disclosure of information, policies, and records
SEC. 1101.5
Testimony and production of documents in response to subpoena, order,
etc
