Regulatory Capital Rule: Large Banking Organizations and Banking Organizations with Significant Trading Activity
12 CFR Part 324 RIN 3064–AF29
Notice of proposed rulemaking
88 FR 64028
Comment Period End: November 30, 2023
Extended Comment Period End: January 16, 2024
| Submitted By |
| 01. Mortgage Bankers Association, Robert D. Broeksmit |
| 02. Carlos Arosemena |
| 03. Harris County Homeownership Collaborative |
| 04. Melody Brand |
| 05. Michael Ravnitzky |
| 06. Bank Policy Institute and 5 other organizations |
| 07. American Council on Renewable Energy and 42 other organizations |
| 08. United States House of Representatives, Patrick McHenry, et al. |
| 09. Lawrence Wright |
| 10. Wausau, WI, Mayor Katie Rosenberg |
| 11. Jalen Elrod |
| 12. Center for Economic Inclusion, Isaac Russell |
| 13. Brooklyn Park, MN, Mayor Winston Hollies |
| 14. WI State Representative, Francesca Hong |
| 15. Cari Olson |
| 16. M.T. Pyatt |
| 17. Renewable Energy Tax Advisors LLC, Daniel Nelson |
| 18. 45th Lt. Governor of Wisconsin, Mandela Barnes |
| 19. Jim Smith, Helena, MT |
| 20. Georgina Monsalvo, Chandler, AZ |
| 21. Arizona State Representative, Consuelo Hernandez |
| 22. OneMn.org, Brett Buckner |
| 23. Ted Dick, Helena, MT |
| 24. Black Leaders Organizing for Communities, Angela Lang |
| 25. Paul Selberg |
| 26. Chance Lebron |
| 27. Bank Policy Institute and 5 other associations |
| 28. State of Nevada Assemblymember, Howard Watts III |
| 29. Lela Graham |
| 30. United States House of Representatives, Monica De La Cruz, et al. |
| 31. Wisconsin Assembly Democratic Leader, Greta Neubauer |
| 32. Hasani (Marlon) Simmons |
| 33. State of Nevada Assemblywoman, Shondra Summers-Armstrong |
| 34. The Reese Firm, LLC, Teddy Reese |
| 35. City of Albion, Mayor Pro-Tem Nora Jackson |
| 36. Samuel Grant |
| 37. Oracle Strategies, Luis Acosta |
| 38. City of Minneapolis Council Member, LaTrisha Vetaw |
| 39. City of Norfolk Councilmember, Andria P. McClellan |
| 40. Latina Chamber of Commerce, Ana Valenzuela Estrada |
| 41. Richard Estrada |
| 42. Lisa Nutt |
| 43. Southern Christian Leadership Conference ‐ Richmond, Virginia Chapter, William F. McGee |
| 44. Durham Committee on the Affairs of Black People, Stella J. Adams |
| 45. Great Plains Strategic Services, Steve Veverka |
| 46. Ashley White |
| 47. State of Nevada Secretary of State, Francisco Aguilar |
| 48. Casey L. Matthiesen |
| 49. Wisconsin State Representative, Jodi Emerson |
| 50. Mary Sue Terry |
| 51. Cara Frank |
| 52. Jeff Hart |
| 53. South Carolina Small Business Chamber of Commerce, Frank Knapp Jr. |
| 54. Wayne County Commissioner, Jonathan C. Kinloch |
| 55. John Fleming |
| 56. Gary Mariegard |
| 57. Wisconsin Building Trades Council, Emily Pritzkow |
| 58. Fernando Martinez |
| 59. State of Virginia Senator, Scott A. Surovell |
| 60. Delegate Delores McQuinn |
| 61. State of South Carolina Representative, Annie E. McDaniel |
| 62. State of Pennsylvania Representative, Greg Scott |
| 63. Milwaukee County Board of Supervisors, Marcelia N. Nicholson |
| 64. State of Nevada Assemblywoman, Venicia Considine |
| 65. State of Virginia Senator, Lamont Bagby |
| 66. Mayra Jaime |
| 67. Jerry Swanson |
| 68. Shedron Williams |
| 69. NAACP ToledoUnit 3204, Reverend Dr. W. Perryman Jr. |
| 70. The Courier Eco Latino Newspaper, Wane A. Hailes |
| 71. State of Michigan Representative, Donavan McKinney |
| 72. United Pastors for Social Empowerment, Rev. Donald Perryman, Ph.D. |
| 73. Mike Snitz |
| 74. Chris Sumpter |
| 75. Delaware County Council Chair, Dr. Monica Taylor |
| 76. James Blassingame |
| 77. State of South Carolina Representative, Jermaine L. Johnson |
| 78. United States Senate, Tim Scott, et al. |
| 79. Marcurius Byrd |
| 80. Shawn Danforth |
| 81. State of Nevada Assemblywoman, Natha Anderson |
| 82. John Fleming |
| 83. State of South Carolina Representative, John Richard C. King |
| 84. Youngstown Warren Black Caucus, Jaladah Aslam |
| 85. Toyia Tucker |
| 86. U.S. Senators Sherrod Brown, Jack Reed, et al. |
| 87. Matt Hughes |
| 88. Lester Dewaine Frye, M.Div, D.Min |
| 89. Joe Parisi |
| 90. Terros Health, Lorenzo Sierra |
| 91. The Winning Platform, Breanna Spaulding |
| 92. Robert Meza |
| 93. State of South Carolina Senator, Kevin L. Johnson |
| 94. State of Pennsylvania Representative, Tina M. Davis |
| 95. Goldman Sachs 10,000 Small Businesses Voices |
| 96. Urban Chamber of Commerce |
| 97. Congress of the United States |
| 98. State of South Carolina Representative, Seth Rose |
| 99. The Elective Group |
| 100. Dar’shun Kendrick |
| 101. Milwaukee County Executive, David Crowley |
| 102. State of Virginia Senator, L. Louise Lucas |
| 103. John Malia |
| 104. Cynthia I. Newbille |
| 105. City of Milwaukee Mayor, Cavalier Johnson |
| 106. Gaylene LLC |
| 107. Maria Pico |
| 108. State of Nevada Senator, Julie Pazina |
| 109. Jamiel Robinson |
| 110. Dorsey Hager |
| 111. United States House of Representatives, Brad Sherman (Transcript) |
| 112. United States House of Representatives, Brad Sherman |
| 113. State of Michigan Representative, Rachel Hood |
| 114. Jodi Medlar |
| 115. Danny Nelson |
| 116. Valerie |
| 117. Emily Cleveland |
| 118. State of South Coarolina Representative, Russell L. Ott |
| 119. Monica Sparks, Kent County, Michigan |
| 120. Gary Horton |
| 121. National Council of Farmer Cooperatives, et al. and 8 other associations |
| 122. Mayor Joyce Denson |
| 123. Committee on Capital Markets Regulation |
| 124. Energy Trading Institute, et al. and 4 other associations |
| 125. Daylon A. Davis |
| 126. Rabbi Bonnie Margulis |
| 127. Mayor Levar M. Stoney |
| 128. State of Georgia Representative, Kim Schofield |
| 129. Howden Capital, Advisory & Placement |
| 130. New Networks Consulting LLC, Niya Murphy |
| 131. Business Roundtable |
| 132. Association of British Insurers, David Otudeko |
| 133. The Financial Services Forum and 3 other organizations |
| 134. State of Nevada Assemblyman, Max Carter |
| 135. California Public Employees’ Retirement System (CalPERS) |
| 136. Mayor Dwan B Walker |
| 137. Whalen Global Advisors LLC, R. Christopher Whalen |
| 138. PMI Rate Pro, Nomi Smith |
| 139. HSBC North America Holdings, Inc., Kavita Mahtani, Lloyd Plenty |
| 140. Adrian Chester |
| 141. Liberty Latin America |
| 142. Lamar Smith |
| 143. Stephen Matteo Miller |
| 144. Adrienne Gaskins |
| 145. Kaiser Aluminum |
| 146. Chris Miller |
| 147. Solar Energy Industries Association |
| 148. Ron Harris |
| 149. Secured Finance Network, Richard D. Gumbrecht |
| 150. National Bankers Association, Nicole A. Elam |
| 151. Jeremy Seidlitz |
| 152. Ericka Jones |
| 153. Ryan Bennett |
| 154. Siwek Construction |
| 155. NMPP Energy |
| 156. Freddie Mac |
| 157. Mayor Tim Greimel (Pontiac, MI) |
| 158. Assemblywoman Elaine Marzola (Nevada) |
| 159. Assemblywoman Selena Torres (Nevada) |
| 160. Assemblyman Michael Wray (North Carolina) |
| 161. National Association of Manufacturers |
| 162. Asian Infrastructure Investment Bank (AIIB) |
| 163. Professor Anthony Saunders |
| 164. Bank Policy Institute, and 3 other organizations. |
| 165. RMA’s Advanced Operational Risk Group |
| 166. Representative Jim Haadsma (Michigan) |
| 167. Fannie Mae |
| 168. Professor David Zaring |
| 169. Barclays |
| 170. Representative Julie von Haefen (North Carolina) |
| 171. Virgie Ammerman |
| 172. Joel Griffith |
| 173. International Credit Insurance & Suerty Association and 2 other organizations |
| 174. Bishop Talmadge J. Thomas |
| 175. American Express |
| 176. London Stock Exchange Group (LSEG) |
| 177. Anat R. Admati |
| 178. Bloomberg L.P. |
| 179. Investment Company Institute |
| 180. Historic Tax Credit Coalition |
| 181. Options Clearing Corporation |
| 182. CME Group |
| 183. Steve Pociask, Grover Norquist, et al. |
| 184. National Association of REALTORS (NAR) |
| 185. Tradeweb Markets Inc. |
| 186. Committee on Capital Markets Regulation |
| 187. Bankers Association for Finance and Trade and International Trade and Forfaiting Association |
| 188. Allspring Global Investments |
| 189. International Trade and Forfaiting Association and International Association of Credit Portfolio Managers |
| 190. Demetrius McBride |
| 191. National Council of Farmer Cooperatives |
| 192. International Association of Credit Portfolio Managers |
| 193. Trumid |
| 194. Risk Management Association |
| 195. Government Finance Officers Association and 6 other organizations. |
| 196. Bank of New York Mellon Corporation |
| 197. Wells Fargo |
| 198. Coalition for Derivatives End-Users |
| 199. Institute of International Bankers |
| 200. Arch Capital Group Ltd. |
| 201. American Council of Life Insurers |
| 202. Financial Services Forum |
| 203. Clarke-Mobile Counties Gas District, The Black Belt Energy Gas District and The Lower Alabama Gas District |
| 204. San Diego Community Power and 10 other California public power companies |
| 205. State Street Corporation |
| 206. New York Life Insurance Company |
| 207. Coalition for Derivatives End Users |
| 208. Structured Finance Association |
| 209. American Public Gas Association |
| 210. Angel Oak Companies |
| 211. Investment Company Institute |
| 212. The Goldman Sachs Group, Inc. |
| 213. Wisconsin Bankers Association |
| 214. Regions Financial Corporation |
| 215. Santander Holdings USA, Inc. |
| 216. Securities Industry and Financial Markets Association Asset Management Group |
| 217. Northern Trust Corporation |
| 218. Risk Management Association |
| 219. Wisconsin's Congressional Delegation |
| 220. Bank Policy Institute and the American Bankers Association |
| 221. Memphis Light, Gas and Water Division |
| 222. Independent Community Bankers of America |
| 223. PGGM |
| 224. Lloyd’s America, Inc. |
| 225. Anat R. Admati, Hilary J. Allen, et al. |
| 226. Octaura Holdings |
| 227. Futures Industry Association |
| 228. Guardian Life Insurance Company of America and 7 other organizations |
| 229. Pennsylvania Representative, Ismail Smith-Wade-El |
| 230. National Grain and Feed Association |
| 231. ERISA Industry Committee |
| 232. International Swaps and Derivatives Association, Inc. and the Securities Industry and Financial Markets Association | April 8, 2024 Addendum |
| 233. Better Markets |
| 234. Synchrony Financial |
| 235. Consumer Bankers Association |
| 236. United States Senate, Kirsten Gillibrand and Cynthia Lummis |
| 237. Citigroup Inc. |
| 238. Ally Financial Inc. |
| 239. Bankers Association for Finance and Trade |
| 240. U.S. Bank |
| 241. UBS Group AG |
| 242. The Investment Association |
| 243. Cboe Global Markets, Inc. |
| 244. Synchrony Financial, et al. |
| 245. National Council of State Housing Agencies |
| 246. BlackRock, Inc. |
| 247. Detroit City Council, Fred Durhal |
| 248. Capital One Financial Corporation and 3 other organizations |
| 249. Municipal Gas Authority of Georgia |
| 250. Federal Agricultural Mortgage Corporation |
| 251. Morgan Stanley |
| 252. Housing Policy Council |
| 253. KeyCorp |
| 254. Depository Trust & Clearing Corporation |
| 255. Building Owners and Managers Association International and 4 other organizations |
| 256. Mortgage Guaranty Insurance Corporation (MGIC) |
| 257. Arena Energy, LLC |
| 258. Advancing American Freedom |
| 259. Affordable Housing Tax Credit Coalition and 18 other organizations |
| 260. National Association of Affordable Housing Lenders |
| 261. Housing Policy Council |
| 262. Intercontinental Exchange Inc. |
| 263. International Energy Credit Association |
| 264. Novogradac Low Income Housing Tax Credit Working Group |
| 265. Novogradac New Markets Tax Credit Working Group |
| 266. Reinsurance Association of America |
| 267. Ceres and the Ceres Accelerator |
| 268. 20/20 Vision and 9 other organizations |
| 269. Ally Financial Inc. and 9 other organizations |
| 270. Eversheds Sutherland LLP Farm Credit System |
| 271. Eversheds Sutherland LLP Federal Home Loan Banks |
| 272. Reinsurance Association of America and 7 other organizations |
| 273. National Association of Affordable Housing Lenders, NMTC Coalition, and NMTC Working Group |
| 274. Nodal Clear, LLC |
| 275. Redwood Trust, Inc. |
| 276. Renitta Sweet |
| 277. Conference of State Bank Supervisors |
| 278. Americans for Financial Reform Education Fund |
| 279. Tonza S. Thomas |
| 280. JPMorgan Chase & Co. |
| 281. CFA Institute Systemic Risk Council |
| 282. Pentalpha |
| 283. US Senator Joe Manchin |
| 284. U.S. Congressional Members Emmanuel Cleaver II, Joyce Beatty, et al. |
| 285. U.S. Senators Tim Scott, Mike Crapo, et al. |
| 286. U.S. Congressional Members Joyce Beatty, Gregory Meeks, et al. |
| 287. U.S. Congressional Members Zach Nunn, Jerry Moran, et al. |
| 288. U.S. Congressional Members Bill Foster, Wiley Nickel, et al. |
| 289. U.S. Congressional Members Brad Sherman, Ann Wagner, et al. |
| 290. U.S. Senators Chris Van Hollen, Martin Heinrich, et al. |
| 291. American Clean Power |
| 292. American Clean Power |
| 293. American Securities Association, Christopher A. Iacovella |
| 294. Americans for Tax Reform |
| 295. CRE Finance Council, et al. and 9 other associations |
| 296. CRE Finance Council, Lisa Pendergast |
| 297. ICE Data Services, David Scalzetti |
| 298. Market Axess Holdings, Inc., Richard M. McVey |
| 299. National Taxpayers Union, Grant Carlson |
| 300. Public Citizen |
| 301. Small Business and Entrepreneurship (SBE) Council, Karen Kerrigan |
| 302. Real Estate Roundtable, Jeffrey D. DeBoer |
| 303. U.S House of Representatives Meuser, Landsman, Alford, and Davids |
| 304. United Services Automobile Association (USAA), Robert J. Johnson, Jr. |
| 305. SIFMA and FIA |
| 306. Randall S. Kroszner, University of Chicago |
| 307. TurbineHub |
| 308. Small Business Investor Alliance |
| 309. Mason Matthews |
| 310. Clean Energy States Alliance |
| 311. Center for American Progress |
| 312. Brian Peters |
| 313. National Community Reinvestment Coalition |
| 314. American for Financial Reform and 18 other organizations |
| 315. Christian Schools International, John Bolt |
| 316. Committee on Capital Markets Regulation, John L. Thornton, Hal S. Scott, and R. Glenn Hubbard |
| 317. Fifth Third Bancorp and Fifth Third Bank NA, Brennen Willingham |
| 318. Woodstock Institute |
| 319. Nareit, Byron Boston |
| 320. National Association of Home Builders, Jessica R. Lynch |
| 321. Europeon Banking Federation, Wim Mijs |
| 322. The Heritage Foundation, David R. Burton |
| 323. Affordable Housing Tax Credit Coalition |
| 324. AgriBank, Barbara Kay Stille |
| 325. AllianceBernstein, Matt Scott, Scott DiMaggio, and Susan Joyce |
| 326. American Bankers Association and 51 other organizations |
| 327. American Benefits Council, Lynn D. Dudley |
| 328. American Council on Renewable Energy |
| 329. American Public Power Association (APPA) and National Rural Electric Cooperative Association (NRECA) |
| 330. California Association of Realtors, Melanie Barker |
| 331. Center for Responsible Lending |
| 332. Coalition of Community Solar Access (CCSA), Rikkia Ramsey-Williams |
| 333. CoBank, Thomas E. Halverson |
| 334. Dutch Federation of Pension Funds, Edith Maat |
| 335. Enact Holdings, Inc., Rohit Gupta |
| 336. Finesca, Armstrong Robinson |
| 337. Franklin Resources, Inc. and Invesco Ltd. |
| 338. Global Association of Central Counterparties (CCP Global) and 41 other organizations |
| 339. Goldman Sachs Asset Management LP, Ashish Shah |
| 340. Gordon F. Perry, Esq. |
| 341. Huntsville Utilities, Wes Kelley |
| 342. Marsh McLennan |
| 343. Mortgage Bankers Association and 5 other organizations |
| 344. Mortgage Bankers Association, Robert D. Broeksmith |
| 345. National Association of Mutual Insurance Companies (NAMIC), Thomas J. Karol |
| 346. National Cooperative Business Association CLUSA International (NCBA CLUSA), Doug O’Brien |
| 347. National Fair Housing Alliance (FHA) and 2 other organizations |
| 348. National Housing Conference, AmeriHome Mortgage and 25 other organizations |
| 349. National Multifamily Housing Council (NMHC) and National Apartment Association (NAA) |
| 350. Newport Group, Samuel Brkich |
| 351. Nuveen Fund Advisors, John M. McCann |
| 352. State of Wisconsin Investment Board and Ohio Public Employees Retirement System |
| 353. Texas Public Policy Foundation, Robert Henneke |
| 354. Upstart Network, Inc., Nat Hoopes |
| 355. U.S. Chamber of Comerce Center for Capital Markets, Tom Quaadman |
| 356. US Mortgage Insurers (USMI), Seth D. Appleton |
| 357. Nasdaq, Jeffrey S. Davis |
| 358. U.S. Congressional Members Sean Casten, Paul Tonko and 105 other members of Congress |
| 359. U.S. Senators Thom Tillis, Bill Hagerty, Mike Crapo, M. Michael Rounds, John Kennedy, Cynthia Lummis, Katie Boyd Britt, Kevin Cramer and Steve Daines |
| 360. U.S. Senators Bill Hagerty, Thom Tillis, JD Vance, Katie Boyd Britt, M. Michael Rounds, Kevin Cramer and Mike Crapo |
| 361. U.S. Members of Congress, Maxine Waters, Ranking Member, Committee on Financial Services, et al. |
| 362. All Options USA LLC and 10 other organizations |
| 363. Craig A. Wolson |
| Meeting Memoranda |
| 01. Meeting Between Staff of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives of the American Council on Renewable Energy ("ACORE"), American Clean Power ("ACP"), Solar Energy Industries Association ("SEIA"), Avangrid, Clearway Energy, EDP Renewables ("EDPR"), JP Morgan Chase & Co., and NextEra Energy |
| 02. Meeting Between Staff of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from Goldman Sachs |
03. Meeting Between Staff of the Federal Deposit Insurance Corporation and Representatives from J.P. Morgan
(J.P. Morgan Meeting Presentation) |
| 04. Meeting Between Staff of the Federal Deposit Insurance Corporation
and Representatives from Truist |
| 05. Meeting Between Staff of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from Goldman Sachs |
| 06. Meeting Between Staff of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from US Bank |
| 07. Meeting Between Staff of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from Wells Fargo Bank, N.A. |
| 08. Meeting Between Staff of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from the Appraisal Institute |
| 09. Meeting Between Staff of the Federal Deposit Insurance Corporation and Representatives from JP Morgan Chase & Co. |
| 10. Meeting Between Staff of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from Cypress Creek Renewables, Capital One Bank, and US Bank |
| 11. Meeting Between Staff of the Federal Deposit Insurance Corporation
and Representatives from UBS |
| 12. Meeting Between Staff of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from JP Morgan Chase & Co. |
| 13. Meeting Between Staff of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from the International Swaps and Derivatives Association (“ISDA”), Securities Industry and Financial Markets Association (“SIFMA”), Bank of America, Bank of New York – Mellon, BNP Paribas, Citi, Goldman Sachs, JP Morgan, Morgan Stanley, State Street, Sullivan & Cromwell, and Wells Fargo |
| 14. Meeting Between Staff of the Federal Deposit Insurance Corporation and Representatives from American Express |
| 15. Meeting Between Staff of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from Tiber Creek Group, Commercial Real Estate Financial Council, and Mayer Brown LLP |
| 16. Meeting Between Staff of the Federal Deposit Insurance Corporation and Representatives from Morgan Stanley |
| 17. Meeting Between Staff of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from Institute of International Bankers, Barclays, Deutsche Bank, HSBC, Bank of Montreal, UBS, Cleary Gottlieb, BNP Paribas, and SMBC |
| 18. Meeting Between Staff of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from Morgan Stanley |
| 19. Meeting Between Staff of the Federal Deposit Insurance Corporation and Representatives from CalPERS |
| 20. Meeting Between Staff of the Federal Deposit Insurance Corporation and Representatives from the Secured Finance Network |
| 21. Meeting Between Staffs of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from Goldman Sachs |
| 22. Meeting Between Staffs of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives of the American Council on Renewable Energy (“ACORE”), American Clean Power (“ACP”), Solar Energy Industries Association (“SEIA”), Avangrid, JP Morgan Chase ∓ Co., NextEra Energy, Invenergy, and US Bank |
| 23. Meeting Between Staff of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from Barclays US |
| 24. Meeting Between Staff of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from Operational Riskdata eXchange Association (ORX), Capital One, Barclays, State Street, J.P. Morgan, UBS, Bank of New York Mellon, US Bank, Northern Trust Corporation, Wells Fargo, HSBC, and Morgan Stanley |
| 25. Meeting Between Staff of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from Bloomberg L.P. |
| 26. Meeting Among Staffs of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from the International Swaps and Derivatives Association (“ISDA”), Securities Industry and Financial Markets Association (“SIFMA”), and Certain Member Banks |
| 27. Meeting Between Staffs of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from Mass Mutual, TruStage, New York Life, Nationwide Mutual Insurance Company, Guardian Life Insurance Company, Western & Southern Life Insurance Company, and Northwest Mutual |
| 28. Meeting Between Staff of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from Goldman Sachs |
| 29. Meeting Between Staff of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from Deutsche Bank |
| 30. Meeting Between Staff of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from the Futures Industry Association (“FIA”), Bank of America, Barclays, Goldman Sachs, Citi Bank, JP Morgan Chase & Co., Deutsche Bank, Morgan Stanley, and Covington & Burling |
| 31. Meeting Between Staff of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from Bank Policy Institute, American Bankers Association, and Sullivan & Cromwell LLP |
| 32. Meeting Between Staffs of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives of the American Council on Renewable Energy (“ACORE”) and American Clean Power (“ACP”) |
| 33. Meeting Between Staff of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from the International Association of Credit Portfolio Managers (“IACPM”), Clifford Chance, Citibank, and JP Morgan |
| 34. Meeting with Representatives from Goldman Sachs |
| 35. Meeting Between Staffs of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from Santander US (“Santander”) |
| 36. Meeting Between Staffs of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from the Financial Services Forum (“FSF”) |
| 37. Meeting Between Staffs of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from U.S. Mortgage Insurers (“USMI”) |
| 38. Meeting Between Staffs of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from the Financial Services Forum (“FSF”) and the Structured Finance Association (“SFA”) |
| 39. Meeting Between Staffs of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from State Street (“State Street”) |
| 40. Meeting Between Staffs of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency and Representatives from the International Trade and Forfaiting Association (“ITFA”) and the International Association of Credit Portfolio Managers (“IACPM”) |
| 41. Meeting Between Staffs of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from the International Association of Credit Portfolio Managers (“IACPM”). |
| 42. Meeting Between Staffs of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency and Representatives from JPMorgan Chase & Co. (“JPM”) |
| 43. Meeting Between Staffs of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from Lloyd's America, Inc. ("Lloyd's") |
| 44. Meeting Between Staffs of the Federal Deposit Insurance Corporation, Federal Reserve System, Office of the Comptroller of the Currency, and Representatives from Investment Company Institute (“ICI”), BlackRock, Nuveen, State Street, JP Morgan, Franklin Financial, PIMCO, Morgan Stanley, BNY Mellon, and Debevoise & Plimpton LLP |
| 45. Meeting Between the Chairman and Supervision Leadership of the Federal Deposit Insurance Corporation and the Conference of State Bank Supervisors Executive Committee |
