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Board of Governors of the Federal Reserve System
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Board of Governors of the Federal Reserve System

Regulations

Recent Regulatory Amendments


Although the e-CFR incorporates all amendments as they become effective, press releases and Federal Register notices for recent amendments are listed here to make them easier to research. To locate amendments effective before January 1, 2003, go to the Banking and Consumer Regulatory Policy page.  
A Extensions of Credit by Federal Reserve Banks
Amendments reflecting the Board's approval of an increase in the primary credit rate (to 0.75 percent) at each Federal Reserve Bank and the automatic increase in the secondary credit rate (to 1.25 percent) (effective March 1, 2010)
Amendment establishing a process by which the Federal Reserve Bank of New York may determine the eligibility of credit rating agencies for the Term Asset-Backed Securities Loan Facility (effective December 9, 2009)
Notice
Amendments reflecting the Board's approval of a decrease in the primary credit rate (to 0.50 percent) at each Federal Reserve Bank and the automatic decrease in the secondary credit rate (to 1.00 percent) (effective December 29, 2008)
Notice
Amendments reflecting the Board's approval of a decrease in the primary credit rate (to 1.75 percent) at each Federal Reserve Bank and the automatic increase in the secondary credit rate (to 2.25 percent) (effective October 17, 2008)
Amendment reflecting the Board's approval of a decrease in the primary credit rate (to 2.25 percent) at each Reserve Bank and the automatic decrease in the secondary credit rate (to 2.75 percent) (effective May 7, 2008)
Amendment reflecting the Board's approval of a decrease in the primary credit rate (to 2.50 percent) at each Reserve Bank and the automatic decrease in the secondary credit rate (to 3.00 percent) (effective March 26, 2008)
Amendment reflecting the Board's approval of a decrease in the primary credit rate (to 3.50 percent) at each Reserve Bank and the automatic decrease in the secondary credit rate (to 4.00 percent) (effective February 7, 2008)
Amendment reflecting the Board's approval of an decrease in the primary credit rate (to 4.00 percent) at each Reserve Bank and the automatic decrease in the secondary credit rate (to 4.5 percent) (effective January 31, 2007)
Amendment reflecting the Board's approval of an decrease in the primary credit rate (to 4.75 percent) at each Reserve Bank and the automatic decrease in the secondary credit rate (to 5.25 percent) (effective December 19, 2007)
Amendment to allow the Board to authorize a temporary term auction facility, a credit facility that allows a depository institution to obtain an advance from its local Federal Reserve Bank at an interest rate determined as the result of an auction (effective December 12, 2007)
Amendment reflecting the Board's approval of an decrease in the primary credit rate (to 5 percent) at each Reserve Bank and the automatic decrease in the secondary credit rate (to 5.5 percent) (effective November 8, 2007)
Amendment reflecting the Board's approval of an decrease in the primary credit rate (to 5.25 percent) at each Reserve Bank and the automatic decrease in the secondary credit rate (to 5.75 percent) (effective September 27, 2007)
Amendment reflecting the Board's approval of an decrease in the primary credit rate (to 5.75 percent) at each Reserve Bank and the automatic decrease in the secondary credit rate (to 6.25 percent) (effective August 24, 2007)
Amendment reflecting the Board's approval of an increase in the primary credit rate (to 6.25 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 6.75 percent) (effective July 13, 2006)
Amendment reflecting the Board's approval of an increase in the primary credit rate (to 6 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 6.5 percent) (effective May 17, 2006)
Amendment reflecting the Board's approval of an increase in the primary credit rate (to 5.75 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 6.25 percent) (effective April 5, 2006)
Amendment reflecting the Board's approval of an increase in the primary credit rate (to 5.5 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 6 percent) (effective February 8, 2006)
Amendment reflecting the Board's approval of an increase in the primary credit rate (to 5.25 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 5.75 percent) (effective December 20, 2005)
Amendment reflecting the Board's approval of an increase in the primary credit rate (to 5 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 5.5 percent) (effective November 14, 2005)
Amendment reflecting the Board's approval of an increase in the primary credit rate (to 4.75 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 5.25 percent) (effective September 28, 2005)
Amendment reflecting the Board's approval of an increase in the primary credit rate (to 4.5 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 5 percent) (effective August 17, 2005)
Amendment reflecting the Board's approval of an increase in the primary credit rate (to 4.25 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 4.75 percent) (effective July 8, 2005)
Amendment reflecting the Board's approval of an increase in the primary credit rate (to 4 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 4.5 percent) (effective May 9, 2005)
Amendment reflecting the Board's approval of an increase in the primary credit rate (to 3.75 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 4.25 percent) (effective March 30, 2005)
Amendment reflecting the Board's approval of an increase in the primary credit rate (to 3.5 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 4 percent) (effective February 9, 2005)
Amendment reflecting the Board's approval of an increase in the primary credit rate (to 3.25 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 3.75 percent) (effective December 20, 2004)
Amendment reflecting the Board's approval of an increase in the primary credit rate (to 3 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 3.5 percent) (effective November 19, 2004)
Amendment reflecting the Board's approval of an increase in the primary credit rate (to 2.75 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 3.25 percent) (effective September 28, 2004)
Amendment reflecting the Board's approval of an increase in the primary credit rate (to 2.5 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 3 percent) (effective August 17, 2004)
Amendment reflecting the Board's approval of an increase in the primary credit rate (to 2.25 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 2.75 percent) (effective July 9, 2004)
Amendment reflecting the Board's approval of a decrease in the primary credit rate (to 2 percent) at each Reserve Bank and the automatic decrease in the secondary credit rate (to 2.5 percent) (effective July 10, 2003)
Amendment revising the Federal Reserve's discount window programs and reorganizing and steamlining the regulation (effective January 9, 2003)
 
B Equal Credit Opportunity
Amendment clarifying that motor vehicle dealers are not required to comply with new data collection requirements in the Dodd–Frank Act until final regulations are issued to implement the statutory requirements
Amendments implementing the credit score disclosure requirements of the Dodd-Frank Act
Amendments updating the address where questions should be directed concerning creditors for which the Federal Deposit Insurance Corporation administers compliance with the regulation (effective July 1, 2011)
Amendments updating the address where questions should be directed concerning creditors for which the Office of Thrift Supervision administers compliance with the regulation (effective October 17, 2008)
Amendments updating the address where questions should be directed concerning creditors for which the Federal Reserve System administers compliance with the Regulation. (effective June 13, 2008)
Amendments to clarify the requirements concerning electronic delivery of disclosures (effective December 10, 2007, and January 14, 2008)
Amendment to update the contact information for inquiries about creditors for which the Federal Reserve is the enforcement agency (effective October 29, 2007)
Technical amendments updating the addresses of certain federal enforcement agencies (effective May 17, 2006)
Comprehensive amendments pursuant to the Board's policy of periodically reviewing and updating its regulations (effective April 15, 2003; compliance mandatory April 15, 2004)
 
C Home Mortgage Disclosure
Amendment establishing annual asset-size exemption threshold for depository institutions based on the annual percentage change in the Consumer Price Index for Urban Wage Earners and Clerical Workers (effective January 1, 2011)
Amendment establishing annual asset-size exemption threshold for depository institutions based on the annual percentage change in the Consumer Price Index for Urban Wage Earners and Clerical Workers (effective January 1, 2010)
Amendment establishing annual asset-size exemption threshold for depository institutions (effective January 1, 2009)
Amendments revising the rules for reporting price information on higher-priced mortgage loans and conforming the definition of "higher-priced mortgage loan" to that adopted under Regulation Z in July 2008 (effective October 1, 2009)
Amendment establishing annual asset-size exemption threshold for depository institutions (effective January 1, 2008)
Amendment establishing annual asset-size exemption threshold for depository institutions (effective January 1, 2007)
Amendment establishing annual asset-size exemption threshold for depository institutions (effective January 1, 2006)
Amendment establishing annual asset-size exemption threshold for depository institutions (effective January 1, 2005)
Revised formats for public disclosure of mortgage lending data (effective 2005)
Amendments to establish asset-size exemption threshold for depository institutions and to conform the regulation and commentary to changes in standards for defining metropolitan statistical area boundaries (effective January 1, 2004)
Amendments establishing thresholds for determining loans for which loan-pricing data must be reported; requiring lenders to report the lien status of a loan or application; and requiring lenders to ask applicants their ethnicity, race, and sex when taking telephone applications (effective January 1, 2004)
Amendments to commentary, providing transition rules for applications received before January 1, 2004, on which final action is taken on or after January 1, 2004 (effective June 27, 2003)
Amendments to improve the quality and consistency of data collected on home mortgage loans (effective January 1, 2003 ) and request for comment on proposed amendments concerning the appropriate threshold for collecting price data on higher-cost loans; requiring lenders to ask telephone applicants their race, ethnicity, and sex; and requiring lenders to report lien status for applications and originated loans (due April 12, 2002).
 
D Reserve Requirements of Depository Institutions
Amendment to reflect the annual indexing of the reserve requirement exemption amount and the low reserve tranche for 2014, and to change the nonexempt deposit cutoff level and the reduced reporting limit (effective December 5, 2013)
Amendment to reflect the annual indexing of the reserve requirement exemption amount and the low reserve tranche for 2013, and to change the nonexempt deposit cutoff level and the reduced reporting limit (effective November 30, 2012)
Amendment to simplify the administration of reserve requirements and reduce administrative and operational costs (effective July 12, 2012; certain amendments effective January 24, 2013, are delayed until June 27, 2013)
Amendment to reflect the annual indexing of the reserve requirement exemption amount and the low reserve tranche for 2012
Amendments to remove references to Regulation Q (effective July 21, 2011)
Amendment to reflect the annual indexing of the reserve requirement exemption amount and the low reserve tranche for 2011 (effective November 26, 2010)
Amendments authorizing the Reserve Banks to offer term deposits
Amendment to reflect the annual indexing of the reserve requirement exemption amount and the low reserve tranche for 2010, and to change the nonexempt deposit cutoff level and the reduced reporting limit (effective November 16, 2009)
Amendment (1) directing Federal Reserve Banks to pay interest on certain balances held at Federal Reserve Banks by or on behalf of certain depository institutions and (2) authorizing the establishment of limited-purpose accounts, called "excess balance accounts" (effective July 2, 2009)
Amendments to Regulations D and I (1) conforming Regulation D to section 603 of the Financial Services Regulatory Relief Act of 2006, (2) revising restrictions on the types and number of transfers and withdrawals that may be made from savings deposits, and (3) making other clarifying changes (effective July 2, 2009)
Interim rule revising the rate for earnings on required reserve balances and excess balances of eligible institutions and providing that the rates may be revised by the Board from time to time (effective December 23, 2008)
Notice
Interim rule, under authority of section 128 of the Emergency Economic Stabilization Act of 2008, directing Federal Reserve Banks to pay interest on balances held at Reserve Banks to satisfy reserve requirements and on balances held in excess of required reserve balances and clearing balances (effective October 9, 2008, comments due November 21, 2008)
Amendments setting the amount of total reservable liabilities of each depository institution subject to a zero percent reserve requirement and setting the amount of net transaction accounts at each depository institution subject to a three percent reserve requirement (effective November 3, 2008)
Amendment making annual adjustments to the amount of net transaction accounts used in calculating reserve requirements (effective October 31, 2007)
Amendment revising the interpretation that sets out criteria for the bankers' bank exemption from reserve requirements (effective May 7, 2007)
Amendment making annual adjustments to the amount of net transaction accounts used in calculating reserve requirements (effective November 24, 2006)
Amendments (1) making annual adjustments to the amount of net transaction accounts used in calculating reserve requirements and (2) increasing the nonexempt deposit cutoff level and the reduced reporting limit, which are used to determine the frequency with which depository institutions must submit deposit reports (effective November 7, 2005)
Amendment making annual adjustments to the amount of net transaction accounts used in calculating reserve requirements (effective November 12, 2004)
Amendment making annual adjustments to the amount of net transaction accounts used in calculating reserve requirements (effective November 6, 2003)
Amendment conforming the calculation of penalties for reserve deficiencies to the new discount-rate framework (effective January 9, 2003)
 
E Electronic Fund Transfers
Amendment to modify the effective date of certain disclosure requirements applicable to gift cards (effective November 29, 2010)
Interim rule implementing legislation that modifies the effective date of certain disclosure requirements in the gift card provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009 (effective August 22, 2010, comments due September 16, 2010)
Amendments to restrict the fees and expiration dates that may apply to gift cards (effective August 22, 2010)
Amendments to clarify certain aspects of the final rule published on November 17, 2009, pertaining to overdraft services (effective July 6, 2010)
Amendments to limit the ability of a financial institution to assess an overdraft fee for paying ATM and one-time debit card transactions that overdraw a consumer's account
Amendments to clarify the requirements concerning electronic delivery of disclosures (effective December 10, 2007)
To except transactions of $15 or less from the requirement that receipts be made available to consumers for transactions initiated at an electronic terminal (effective August 6, 2007)
Amendments regarding electronic collection of returned-item fees and electronic check conversion transactions (effective January 1, 2007)
Amendment to make Regulation E applicable to payroll card accounts (effective July 1, 2007)
Amendments (1) clarifying the responsibilities of parties involved in electronic check conversion transactions; (2) providing guidance on preauthorized transfers from consumers' accounts, error resolution, and disclosures at automated teller machines; and (3) making the regulation applicable to payroll card accounts.
 
F Limitations on Interbank Liabilities
No amendments  
G Disclosure and Reporting of CRA-Related Agreements
Technical changes related to the transfer of authority for savings and loan holding companies to the Board (effective September 13, 2011, comments due November 1, 2011)
 
H Membership of State Banking Institutions in the Federal Reserve System
Technical amendment to correct citations to rules on privacy of consumer financial information (effective July 31, 2014)
Amendments to strengthen the supplementary leverage ratio standards for large, interconnected U.S. banking organizations (effective January 1, 2018)
Amendments to reflect modifications by the OECD regarding country risk classifications, clarify the treatment of certain traded securitization positions, modify the definition of a covered position, and clarify disclosure deadlines (effective April 1, 2014)
Amendments revising the risk-based and leverage capital requirements for banking organizations (effective January 1, 2014, and January 1, 2015, for certain organizations)
Amendments to the market risk capital rules to modify their scope, reduce procyclicality, enhance sensitivity to certain risks, and increase transparency (effective January 1, 2013)
Amendment to establish a floor for the risk-based capital requirements applicable to the largest, internationally active banking organizations
Amendments to implement the registration requirements of the Secure and Fair Enforcement for Mortgage Licensing Act (effective October 1, 2010)
Amendment implementing a final risk-based capital rule related to the Financial Accounting Standards Board’s adoption of Statements of Financial Accounting Standards Nos. 166 and 167
Amendment providing that mortgage loans modified under the Treasury's Home Affordable Mortgage Program will generally retain the risk weight appropriate to the mortgage loan prior to modification
Interim rule providing a common interagency capital treatment for mortgage loans modified under the Treasury's Making Home Affordable Program (comments due July 30, 2009)
Amendment adopting an exemption from the leverage and risk-based capital rules for asset-backed commercial paper held by a state member bank or bank holding company (effective January 30, 2009)
Amendment permitting a banking organization to reduce the amount of goodwill it must deduct from tier 1 capital (effective January 29, 2009)
Interim rules that exempt from leverage and risk-based capital rules purchases from money market mutual funds of certain types of asset-backed commercial paper (effective September 19, 2008, comments due October 31, 2008).
Amendment implementing new risk-based capital requirements (the advanced capital adequacy framework known as Basel II) in the United States for large, internationally active banking organizations (effective April 1, 2008)
Amendment expanding the range of small institutions eligible for an extended 18-month on-site examination cycle (effective September 25, 2007)
Amendment adding interpretive guidance on response programs to deal with security breaches involving customer information (effective March 29, 2005)
Amendment of the risk-based capital adequacy guidelines to remove unnecessary regulatory text and summary tables and attachments that summarize the definition of capital, the risk categories, credit-conversion factors, credit-equivalent-amount calculations, and transitional arrangements (effective April 11, 2005)
Amendment to require financial institutions to adopt measures for properly disposing of consumer information derived from credit reports (effective July 1, 2005)
Amendment of the risk-based capital guidelines to modify the treatment of assets in asset-backed commercial paper programs (effective September 30, 2004)
Amendment requiring certain financial institutions to establish procedures to verify the identity of new accountholders (effective June 9, 2003)
Amendment to enforce enhanced reporting, disclosure, and corporate-governance obligations of state member banks that have a class of securities registered under the Securities Exchange Act of 1934 (effective April 1, 2003)
 
I Issue and Cancellation of Federal Reserve Bank Capital Stock
Amendments to Regulations D and I (1) conforming Regulation D to section 603 of the Financial Services Regulatory Relief Act of 2006, (2) revising restrictions on the types and number of transfers and withdrawals that may be made from savings deposits, and (3) making other clarifying changes (effective July 2, 2009)
 
J Collection of Checks and Other Items by Federal Reserve Banks and Funds Transfers through Fedwire
Amendment to eliminate references to as-of adjustments and to make other clarifications (effective July 12, 2012)
Amendments governing remotely created checks (effective July 1, 2006)
Amendments covering the entire range of check-processing services that Reserve Banks will offer after the Check Clearing for the 21st Century Act takes effect (effective October 28, 2004)
 
K International Banking Operations
Amendments to implement the registration requirements of the Secure and Fair Enforcement for Mortgage Licensing Act (effective October 1, 2010)
Amendment expanding the range of small institutions eligible for an extended 18-month on-site examination cycle (effective September 25, 2007)
Amendment requiring Edge and agreement corporations and U.S. branches, agencies, and other offices of foreign banks supervised by the Board to establish and maintain procedures reasonably designed to ensure and monitor compliance with the Bank Secrecy Act and related regulations (effective April 19, 2006)
Amendment to require financial institutions to adopt measures for properly disposing of consumer information derived from credit reports (effective July 1, 2005)
Amendment requiring certain financial institutions to establish procedures to verify the identity of new accountholders (effective June 9, 2003)
Interpretation on foreign banks underwriting securities to be distributed in the United States (effective February 19, 2003)
Amendment simplifying the requirements concerning accounting for fees on international loans to make the regulation consistent with generally accepted accounting principles (effective February 10, 2003)
 
L Management Official Interlocks
Amendment to implement the statutory provision raising the asset-size threshold for the small-institution exception from $20 million to $50 million and to correct inaccurate cross-references (effective July 16, 2007)
 
M Consumer Leasing
Amendment to increase the threshold for exempt consumer leases to $54,600 (effective January 1, 2015)
Amendment to increase the threshold for exempt consumer leases to $53,500 (effective January 1, 2014)
Amendment to increase the threshold for exempt consumer leases from $51,800 to $53,000 (effective January 1, 2013)
Amendment to increase the dollar threshold for exempt consumer leases from $50,000 to $51,800 (effective January 1, 2012)
Amendment to increase the threshold for exempt consumer leases from $25,000 to $50,000 and to adjust the amount annually (effective July 21, 2011)
Amendments to clarify the requirements concerning electronic delivery of disclosures (effective December 10, 2007)
 
N Relations with Foreign Banks and Bankers
No amendments  
O Loans to Executive Officers, Directors, and Principal Shareholders of Member Banks
Technical changes related to the transfer of authority for savings and loan holding companies to the Board (effective September 13, 2011, comments due November 1, 2011)
To implement section 601 of the Financial Services Regulatory Relief Act of 2006, which eliminated several statutory reporting and disclosure requirements relating to insider lending by insured depository institutions
 
P (Repealed)
Press release and notice (effective June 30, 2014)  
Q Capital Adequacy of Bank Holding Companies, Savings and Loan Holding Companies, and State Member Banks
Amendment to revise the definition of the denominator of the supplementary leverage ratio (effective January 1, 2015)
Technical amendment to revise the definition of "eligible guarantee" (effective October 1, 2014)
Amendments to strengthen the supplementary leverage ratio standards for large, interconnected U.S. banking organizations (effective January 1, 2018)
Amendments to reflect modifications by the OECD regarding country risk classifications, clarify the treatment of certain traded securitization positions, modify the definition of a covered position, and clarify disclosure deadlines (effective April 1, 2014)
 
R Exceptions for Banks from the Definition of Broker in the Securities Exchange Act of 1934
New technical amendments to Regulation R, adopted jointly by the Board and SEC in September 2007, that correct cross-references and other typographical errors in the regulation. (effective April 17, 2008)
 
S Reimbursement to Financial Institutions for Providing Financial Records; Recordkeeping Requirements for Certain Financial Records
Technical amendments to conform the citations and references to organizational changes adopted by the Director of the Financial Crimes Enforcement Network in 2010 (effective November 26, 2012)
Technical amendments to update the fees and encourage electronic document productions under Regulation S (effective January 1, 2010)
 
T Credit by Brokers and Dealers
No amendments  
U Credit by Banks/Persons other than Brokers or Dealers for the Purpose of Purchasing or Carrying Margin Stocks
No amendments  
V Fair Credit Reporting
Final rule to amend the definition of "creditor" and update a cross-reference (effective June 30, 2014)
Amendments implementing the credit score disclosure requirements of the Dodd-Frank Act
Final rules requiring a creditor to provide a consumer with a notice when, based on the consumer's credit report, the creditor provides credit to the consumer on less favorable terms than it provides to other consumers (effective January 1, 2011)
Final rules to implement the accuracy and integrity and direct dispute provisions in section 312 of the Fair and Accurate Credit Transactions Act of 2003 (effective July 1, 2010)
Final rules concerning red flags that signal possible identity theft and discrepancies in addresses (effective January 1, 2008; mandatory compliance date November 1, 2008)
Final rules requiring a financial institution to provide consumers with an opportunity to opt out before the institution uses information provided by an affiliated company to market its products and services to the consumer (effective January 1, 2008; mandatory compliance date October 1, 2008)
Final rules creating limited exceptions to permit affiliates to share medical information with each other without becoming consumer reporting agencies (effective April 1, 2006)
Amendment to require financial institutions to adopt measures for properly disposing of consumer information derived from credit reports (effective July 1, 2005)
Addition of model notices that financial institutions may use to comply with the notice requirement relating to furnishing negative information (effective July 16, 2004)
Establishment of effective dates for all provisions of the Fair and Accurate Credit Transactions Act of 2003 that do not have a statutorily prescribed effective date (effective March 12, 2004)
Interim rules to establish effective dates for certain provisions of the Fair and Accurate Credit Transactions Act of 2003 that do not have a statutorily prescribed effective date, including provisions that preempt state laws that regulate areas governed by the Fair Credit Reporting Act (effective December 31, 2003)
 
W Transactions between Member Banks and Their Affiliates
Technical changes related to the transfer of authority for savings and loan holding companies to the Board (effective September 13, 2011, comments due November 1, 2011)
Regulatory exemptions increasing the capacity of member banks to purchase asset-backed commercial paper from affiliated money market mutual funds (effective January 30, 2009)
Regulatory exemption increasing the capacity of member banks to enter into securities financing transactions with affiliates (effective January 30, 2009)
A temporary regulatory exemption increasing the capacity of member banks to enter into securities financing transactions with affiliates (effective September 14, 2008, comments due October 31, 2008)
 
X Borrowers of Securities Credit
No amendments  
Y Bank Holding Companies and Change in Bank Control
Amendments to adjust the timeframe for the annual submissions of capital plans and stress test results and to clarify other aspects of the capital plans and stress test rules (effective November 26, 2014)
Technical amendment to correct citations to rules on privacy of consumer financial information (effective July 31, 2014)
Amendment clarifying the deadline for using the Advanced Approaches framework for purposes of the capital planning and stress testing rules and finalizing two interim final rules issued in September 2013 (effective April 15, 2014)
Amendments to reflect modifications by the OECD regarding country risk classifications, clarify the treatment of certain traded securitization positions, modify the definition of a covered position, and clarify disclosure deadlines (effective April 1, 2014)
Interim rule requiring certain bank holding companies to estimate tier 1 common ratios using the methodology currently in effect in 2013 under the existing capital guidelines (effective September 30, 2013; comments due November 25, 2013)
Amendments revising the risk-based and leverage capital requirements for banking organizations (effective January 1, 2014, and January 1, 2015, for certain organizations)
Amendments to the market risk capital rules to modify their scope, reduce procyclicality, enhance sensitivity to certain risks, and increase transparency (effective January 1, 2013)
Amendment to require large bank holding companies to submit annual capital plans for review (effective December 30, 2011)
Amendment to establish a floor for the risk-based capital requirements applicable to the largest, internationally active banking organizations
Interim final rule that allows small bank holding companies that are S-Corps or mutual BHCs to exclude subordinated debt securities from treatment as debt under certain conditions (Comments due July 30, 2011); Final rule that makes final the interim final rule adopted in June 2009
Amendment implementing the conformance period during which entities must bring their activities and investments into compliance with the “Volcker Rule” (effective April 1, 2011)
Amendment implementing a final risk-based capital rule related to the Financial Accounting Standards Board’s adoption of Statements of Financial Accounting Standards Nos. 166 and 167
Amendment providing that mortgage loans modified under the Treasury’s Home Affordable Mortgage Program will generally retain the risk weight appropriate to the mortgage loan prior to modification
Interim rule providing a common interagency capital treatment for mortgage loans modified under the Treasury's Making Home Affordable Program (comments due July 30, 2009)
Amendment allowing bank holding companies that have issued senior perpetual preferred stock to the Treasury to include such capital instruments in tier 1 capital for purposes of the Board's risk-based and leverage capital guidelines for bank holding companies
Interim rule regarding the subordinated debt securities of banking holding companies that are S-Corps or that are organized in mutual form
Amendment delaying the effective date of new requirements to the Board's capital adequacy guidelines for bank holding companies on trust preferred securities and the definition of capital (requirements effective March 31, 2011)
Amendment adopting an exemption from the leverage and risk-based capital rules for asset-backed commercial paper held by a state member bank or bank holding company (effective January 30, 2009)
Amendment permitting a banking organization to reduce the amount of goodwill it must deduct from tier 1 capital
Interim rules permitting bank holding companies that issue new senior perpetual preferred stock to the Treasury to include such capital instruments in Tier 1 capital for purposes of risk-based and leverage capital rules and guidelines for bank holding companies (effective October 17, 2008, comments due November 21, 2008)
Interim rules that exempt from leverage and risk-based capital rules purchases from money market mutual funds of certain types of asset-backed commercial paper (effective September 19, 2008, comments due October 31, 2008).
Amendment implementing new risk-based capital requirements (the advanced capital adequacy framework known as Basel II) in the United States for large, internationally active banking organizations (effective April 1, 2008)
Amendment expanding the definition of small bank holding company under the Board's Small Bank Holding Company Policy Statement and the risk-based and leverage capital guidelines for bank holding companies (effective March 30, 2006)
Amendment adding interpretive guidance on response programs to deal with security breaches involving customer information (effective March 29, 2005)
Amendment of the risk-based capital guidelines to allow for the continued limited inclusion of trust preferred securities in the tier 1 capital of bank holding companies (effective April 11, 2005)
Amendment to require financial institutions to adopt measures for properly disposing of consumer information derived from credit reports (effective July 1, 2005)
Amendment of the risk-based capital guidelines to modify the treatment of assets in asset-backed commercial paper programs (effective September 30, 2004)
Amendment expanding the ability of all bank holding companies, including financial holding companies, to process, store, and transmit nonfinancial data in connection with their financial data processing, storage, and transmission activities (effective January 8, 2004)
Amendment to allow bank holding companies engaged in permissible derivatives activities to transfer title to commodities underlying derivatives contracts instantaneously, on a pass-through basis (effective August 4, 2003)
 
Z Truth in Lending
Amendment to increase the threshold for exempt consumer credit transactions to $54,600 (effective January 1, 2015)
Amendments creating exemptions from certain appraisal requirements for a subset of higher-priced mortgage loans (effective January 18, 2014)
Amendment to increase the threshold for exempt consumer credit transactions to $53,500 (effective January 1, 2014)
Amendment establishing new appraisal requirements for "higher-priced mortgage loans" (effective January 18, 2014)
Amendment to increase the threshold for exempt consumer credit transactions from $51,800 to $53,000 (effective January 1, 2013)
Amendment reflecting the effective date of a final rule on loan originator compensation practices that was published in the Federal Register on September 24, 2010 (effective July 20, 2011)
Amendment to increase the dollar threshold for exempt consumer credit transactions from $50,000 to $51,800 (effective January 1, 2012)
Annual adjustment of the dollar amount that triggers additional disclosure requirements for home mortgage loans that bear rates or fees above a certain amount (effective January 1, 2012)
Corrections to the final rule published in the Federal Register on April 25, 2011 (76 FR 22948) (effective October 1, 2011)
Amendment to increase the threshold for exempt consumer credit transactions from $25,000 to $50,000 and to adjust the amount annually (effective July 21, 2011)
Amendments to clarify certain aspects of final rules published in the Federal Register on February 22 and June 29, 2010 (effective October 1, 2011)
Amendment increasing the APR threshold used to determine whether a mortgage lender is required to establish an escrow account (effective April 1, 2011)
Interim rule to clarify certain provisions of the interim rule published in the Federal Register on September 24, 2010 (effective January 30, 2011; comments due February 28, 2011)
Amendment to ensure that real estate appraisals are based on the appraiser's independent professional judgment and that creditors and their agents pay customary and reasonable fees to appraisers (interim final rule effective December 27, 2010, comments due December 27, 2010)
Amendment requiring that consumers receive notice of the sale or transfer of their mortgage loans (effective January 1, 2011)
Amendment revising the disclosure requirements for closed-end mortgage loans (effective October 25, 2010, comments due November 23, 2010)
Amendment to protect consumers from unfair or abusive lending practices that can arise from certain loan originator compensation practices (effective April 1, 2011)
Annual adjustment of the dollar amount that triggers additional disclosure requirements for home mortgage loans that bear rates or fees above a certain amount (effective January 1, 2011)
Amendments to protect credit card users from unreasonable penalty fees and to require credit card issuers to reevaluate increases in interest rates (effective August 22, 2010)
Amendment establishing requirements concerning fair and transparent practices for open-end consumer credit plans, including credit card accounts (effective February 22, 2010)
Withdrawal of the final rule published on January 29, 2009, at 74 FR 5244
Amendment establishing a new requirement for notifying consumers of the sale or transfer of their mortgage loans (effective November 20, 2009, compliance optional until January 19, 2010, comments due January 19, 2010)
Annual adjustment of the dollar amount that triggers additional disclosure requirements in connection with high-cost home mortgage loans (effective January 1, 2010)
Amendments revising the disclosure requirements for private education loans (effective September 10, 2009; compliance optional until February 14, 2010)
Amendments implementing provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009 (effective August 20, 2009, comments due September 21, 2009)
Amendments revising the disclosure requirements for mortgage loans and implementing the Mortgage Disclosure Improvement Act (effective July 30, 2009)
Amendments revising the disclosures in connection with credit card accounts and other revolving credit plans to ensure that consumers information is provided in a timely manner and in a form that is readily understandable (effective July 1, 2010)
Amendment concerning the annual adjustments to the dollar amount that triggers requirements for certain home mortgage loans bearing fees above a certain amount. (effective January 1, 2009)
Press release and notice
Amendments to protect consumers in the mortgage market from unfair, abusive, or deceptive lending and servicing practices while preserving responsible lending and sustainable homeownership; to ensure that advertisements for mortgage loans provide accurate and balanced information and do not contain misleading or deceptive representations; and to provide consumers transaction-specific disclosures early enough to use while shopping for a mortgage. (effective October 1, 2009, except § 226.35(b)(3), which is effective on April 1, 2010)
Amendments to clarify the requirements concerning electronic delivery of disclosures (effective December 10, 2007, and January 14, 2008)
Annual adjustment of the dollar amount that triggers additional disclosure requirements in connection with high-cost home mortgage loans (effective January 1, 2008)
Annual adjustment of the dollar amount that triggers additional disclosure requirements in connection with high-cost home mortgage loans (effective January 1, 2007)
Annual adjustment of the dollar amount that triggers additional disclosure requirements in connection with high-cost home mortgage loans (effective January 1, 2006)
Annual adjustment of the dollar amount that triggers additional disclosure requirements in connection with high-cost home mortgage loans (effective January 1, 2005)
Amendments clarifying how the word amount is used to describe disclosure requirements and providing guidance on consumers' exercise of rescission rights for certain home-secured loans (effective April 1, 2004; compliance mandatory October 1, 2004)
Annual adjustment of the dollar amount that triggers additional disclosure requirements in connection with high-cost home mortgage loans (effective January 1, 2004)
Amendments to commentary, concerning credit card-related fees, replacement of an accepted credit card with one or more cards, disclosure of private mortgage insurance premiums, and selection of Treasury security yields for determining whether a mortgage loan is covered by the Home Ownership and Equity Protection Act (effective April 1, 2003; compliance mandatory October 1, 2003)
 
AA Unfair or Deceptive Acts or Practices
Withdrawal of the final rule published on January 29, 2009, at 74 FR 5244
Interagency notice of amendments prohibiting institutions from engaging in certain acts or practices in connection with consumer credit card accounts. (effective July 1, 2010)
Amendment updating the address where consumer complaints regarding state member banks may be sent (effective October 29, 2007)
Technical amendments updating the addresses of Federal Reserve Banks to which consumer complaints about state member banks may be sent (effective March 7, 2006)
 
BB Community Reinvestment
Annual adjustment of the asset-size thresholds used to define small bank, small savings association, intermediate small bank, and intermediate small savings association (effective January 1, 2014)
Annual adjustment of the asset-size thresholds used to define small bank, small savings association, intermediate small bank, and intermediate small savings association (effective January 1, 2013)
Annual adjustment of the asset-size thresholds used to define small bank, small savings association, intermediate small bank, and intermediate small savings association (effective January 1, 2012)
Technical changes related to the transfer of authority for savings and loan holding companies to the Board (effective September 13, 2011, comments due November 1, 2011)
Annual adjustment of the asset-size thresholds used to define small bank, small savings association, intermediate small bank, and intermediate small savings association (effective January 1, 2011)
Amendments to expand the scope of CRA regulations to encourage support for neighborhood stabilization activities
Final rule to require the agencies to consider low-cost education loans provided to low-income borrowers when assessing a financial institution’s record of meeting community credit needs (effective November 3, 2010)
Annual adjustment of the asset-size thresholds used to define small bank, small savings association, intermediate small bank, and intermediate small savings association (effective January 1, 2010)
Annual adjustment of the asset-size thresholds used to define small bank, small savings association, intermediate small bank, and intermediate small savings association (effective January 1, 2009)
Annual adjustment of the asset-size thresholds used to define small bank and intermediate small bank (effective January 1, 2008)
Annual adjustment of the asset-size thresholds used to define small bank and intermediate small bank (effective January 1, 2007)
Amendments to reduce regulatory burden on community banks while making CRA evaluations more effective in encouraging banks to meet community development needs (effective September 1, 2005)
Adoption in final form of the interim amendments conforming the regulation to changes in census tracts and in the Standards for Defining Metropolitan and Micropolitan Statistical Areas published by the U.S. Office of Management and Budget in December 2000 (effective March 28, 2005)
 
CC Availability of Funds and Collection of Checks
Amendment reflecting restructuring of the Federal Reserve’s check-processing operations in the Fourth and Sixth Districts (effective February 27, 2010)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Third and Fourth Districts (effective December 12, 2009)
Amendments reflecting restructuring of the Federal Reserve's check-processing operations in the Fourth, Eleventh, and Twelfth Districts (effective October 17 and November 14, 2009) and providing notice relating to future changes to the regulation
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Fourth and Seventh Districts (effective September 12, 2009)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Fourth and Ninth Districts (effective July 25, 2009)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Tenth, Eleventh, and Twelfth Districts (effective June 20 and June 27, 2009)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Third and Fifth Districts (effective April 18, 2009)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Fifth and Sixth Districts (effective March 21, 2009)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Sixth and Eighth Districts (effective February 21, 2009)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Seventh District (effective January 31, 2009)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Sixth District (effective November 15, 2008)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Fourth District (effective October 18, 2008)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the First and Third Districts (effective September 20, 2008)
Amendments reflecting restructuring of the Federal Reserve's check-processing operations in the Sixth and Eighth Districts (effective July 19, 2008)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Tenth and Eleventh Districts (effective April 19, 2008)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Second, Third, and Fourth Districts (effective February 23 and March 29, 2008)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Ninth and Tenth Districts (effective October 20, 2007)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Twelfth District (effective August 18, 2007)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Sixth District (effective July 21, 2007)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Second and Third Districts (effective August 19, 2006)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Sixth District (effective March 31, 2006)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the First District (effective February 25, 2006)
Amendments governing remotely created checks (effective July 1, 2006)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Fourth, Tenth, and Eleventh Districts (effective January 21 and February 11, 2006)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Twelfth District (effective October 22, 2005)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Tenth and Twelfth Districts (effective June 18, 2005)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Fourth, Seventh, and Eleventh Districts (effective April 16 and 23, 2005)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Sixth District (effective March 26, 2005)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Fourth and Seventh Districts (effective October 30, 2004)
Amendment to implement the Check Clearing for the 21st Century Act (effective October 28, 2004)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Fourth, Fifth, and Eighth Districts (effective August 28, 2004)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Seventh and Eighth Districts (effective July 24, 2004)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Eleventh District (effective July 10, 2004)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Fourth and Fifth Districts (effective June 26, 2004)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Eleventh District (effective May 15, 2004)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Fifth, Seventh, and Tenth Districts (effective April 17 and 24, 2004)
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Sixth District (effective March 13, 2004 )
Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Fourth District (effective November 1, 2003)
Amendment updating the routing numbers for Federal Reserve Banks and Federal Home Loan Banks (effective July 22, 2003)
 
DD (Repealed)
Press release and notice (effective June 30, 2014)  
EE Netting Eligibility for Financial Institutions
No amendments  
FF Obtaining and Using Medical Information in Connection with Credit
No amendments  
GG Prohibition on Funding of Unlawful Internet Gambling
Extension of the compliance date for the final regulation implementing certain provisions of the Unlawful Internet Gambling Enforcement Act (final regulation effective January 19, 2009; compliance date June 1, 2010)
 
HH Designated Financial Market Utilities
Amendments to revise the risk-management standards (effective December 31, 2014)
Amendments setting out the conditions and requirements for a Federal Reserve Bank to open and maintain accounts for and provide financial services to financial market utilities (effective February 18, 2014)
 
II Debit Card Interchange Fees and Routing
Amendment to provisions that permit a debit card issuer subject to the interchange fee standards to receive a fraud-prevention adjustment (effective October 1, 2012)
Amendment allowing for an upward adjustment of no more than one cent to an issuer's debit card interchange fee if certain standards are met (effective October 1, 2011, comments due September 30, 2011)
 
KK Margin and Capital Requirements for Covered Swap Entities
Amendment to clarify the treatment of uninsured U.S. branches and agencies of foreign banks under the “swaps push out provision” of Dodd-Frank (effective January 31, 2014)
 
LL Savings and Loan Holding Companies
Interim rule that sets forth regulations for savings and loan holding companies (effective September 13, 2011, comments due November 1, 2011)
 
MM Mutual Holding Companies
Interim rule that sets forth regulations for savings and loan holding companies in mutual form (effective September 13, 2011, comments due November 1, 2011)
 
NN Retail Foreign Exchange Transactions
No amendments  
OO Securities Holding Companies
No amendments  
PP Definitions Relating to Title I of the Dodd-Frank Act
No amendments  
QQ Resolution Plans
No amendments  
TT Supervision and Regulation Assessments of Fees
No amendments  
VV Proprietary Trading and Relationships with Covered Funds
Interim rule to permit banking entities to retain interest in certain collateralized debt obligations backed primarily by trust preferred securities (effective April 1, 2014; comments due March 3, 2014)
Press release and notice   
WW Liquidity Risk Measurement Standards
No amendments  
XX Concentration Limit
No amendments  
YY Enhanced Prudential Standards
Amendments to adjust the timeframe for the annual submissions of capital plans and stress test results and to clarify other aspects of the capital plans and stress test rules (effective November 26, 2014)
Amendments establishing a number of enhanced prudential standards, risk-committee requirements, and capital stress-testing requirements for certain bank holding companies and foreign banking organizations (effective June 1, 2014)
Amendment clarifying the deadline for using the Advanced Approaches framework for purposes of the capital planning and stress testing rules and finalizing two interim final rules issued in September 2013 (effective April 15, 2014)
Final policy statement on the approach to scenario design for stress testing that will be used in connection with the supervisory and company-run stress tests (effective January 1, 2014)
(1) Interim rule requiring certain bank holding companies to estimate tier 1 common ratios using the methodology currently in effect in 2013 under the existing capital guidelines and (2) interim rule providing a one-year transition period for most banking organizations to reflect the revised capital framework (both are effective September 30, 2013; comments due November 25, 2013)
 
Miscellaneous Interpretations
No amendments  
Capital Adequacy Guidelines
No amendments
Last update: December 1, 2014