Board of Governors of the Federal Reserve System

Appendix B: Abbreviations

AI

artificial intelligence

BHC

bank holding company

CAMELS

Capital adequacy, Asset quality, Management, Earnings, Liquidity, and Sensitivity to market risk

CARES Act

Coronavirus Aid, Relief, and Economic Security Act

CBLR

Community Bank Leverage Ratio

CBO

community banking organization

CCAR

Comprehensive Capital Analysis and Review

CDS

credit default swap

CECL

current expected credit loss

CET1

common equity tier 1

CFPB

Consumer Financial Protection Bureau

CRA

Community Reinvestment Act

CRE

commercial real estate

C&I

commercial and industrial lending

FBO

foreign banking organization

FDIC

Federal Deposit Insurance Corporation

FFIEC

Federal Financial Institutions Examination Council

G-SIB

global systemically important bank

HCR

horizontal capital review

HELOC

home equity line of credit

IHC

intermediate holding company

LBO

large banking organization

LFBO

large and foreign banking organization

LIBOR

London Inter-Bank Offer Rate

LISCC

Large Institution Supervision Coordinating Committee

MRA

Matters Requiring Attention

MRIA

Matters Requiring Immediate Attention

NAT

national bank

NMB

state nonmember bank

OCC

Office of the Comptroller of the Currency

PPP

Paycheck Protection Program

PPPLF

Paycheck Protection Program Liquidity Facility

RBO

regional banking organization

ROAA

return on average assets

ROE

return on equity

SBA

Small Business Administration

SCALE

Scaled CECL Allowance for Losses Estimator

SEC

U.S. Securities and Exchange Commission

SHC

securities holding company

SLHC

savings and loan holding company

SMB(s)

state member bank(s)

UDAP

unfair or deceptive acts or practices

U.S. G-SIB

global systemically important bank in the United States