Committee within a bank responsible for overseeing its funding strategy and interest rate risks.
AOCI – Accumulated Other Comprehensive Income
Accounting term for an account on a bank's balance sheet that includes unrealized gains and losses for certain investment securities not included in net income.
BME – Broadly Meets Expectations
One of the four categories within the Federal Reserve's Large Financial Institution (LFI) supervisory rating system. The Broadly Meets Expectations rating indicates that the firm's financial resources, practices, and capabilities are viewed as generally being in safe and sound condition.
CAMELS – Capital, Asset Quality, Management, Earnings, Liquidity, and Sensitivity to Market Risk
Confidential supervisory rating system for insured depository institutions (e.g., banks).
CBO – Community Banking Organization
Banking organizations with less than $10 billion in total assets.
CDFPI – California Department of Financial Protection and Innovation
State of California bank regulator.
CECL – Current Expected Credit Losses
Accounting term for the methodology used by banks to establish reserves for credit losses.
CET1 – Common Equity Tier One
CET1 is primarily qualifying common stock and related surplus and retained earnings, plus or minus regulatory deductions or adjustments (such as AOCI) as appropriate.
CME – Conditionally Meets Expectations
One of the four categories within the LFI supervisory rating system. The Conditionally Meets Expectations rating indicates that the aspects of the firm's practices and capabilities are viewed as generally being in safe and sound condition, but there are certain material financial or operational weaknesses in a firm's practices or capabilities that need to be addressed.
CSI – Confidential Supervisory Information
Confidential bank-specific information given to examiners, supervisory views, or assessments of examiners. CSI is generally confidential by law unless public release is specifically authorized.
D-1 – Deficient-1
One of the four categories within the LFI supervisory rating system. The Deficient-1 rating indicates that financial or operational deficiencies in a firm's practices or capabilities put the firm's prospects for remaining safe and sound at significant risk.
D-2 – Deficient-2
One of the four categories within the LFI supervisory rating system. The Deficient-2 rating indicates that financial or operational deficiencies in a firm's practices or capabilities present a threat to the firm's safety and soundness or have already put the firm in an unsafe and unsound condition.
DST – Dedicated Supervisory Team
Team of examiners focused on a single bank.
EGRRCPA – Economic Growth, Regulatory Relief, and Consumer Protection Act
Law passed by Congress in May 2018.
EPS – Enhanced Prudential Standards
Regulatory requirements for large and complex banking organizations that are heightened relative to requirements for smaller, less complex institutions.
FRBSF – Federal Reserve Bank of San Francisco
One of the 12 Federal Reserve Banks in the Federal Reserve System. It covers the states of Alaska, Arizona, California, Hawaii, Idaho, Nevada, Oregon, Utah, and Washington, and serves American Samoa, Guam, and the Commonwealth of the Northern Mariana Islands.
G-SIB – Global Systemically Important Bank
A banking firm whose failure would cause the most harm to the U.S. financial system and the broader economy.
HCE – Horizontal Capital Exam
Annual exam of capital position and risk-management practices of certain large banking organizations with at least $250 billion in assets at the same time.
HCR – Horizontal Capital Review
Annual exam of capital position and risk-management practices of certain large banking organizations with less than $250 billion in assets at the same time.
HLR – Horizontal Liquidity Review
Annual exam of liquidity position and risk-management practices of certain large regional banking organizations with more than $100 billion in assets at the same time.
HQLA – High-Quality Liquid Assets
Assets that can easily and immediately be converted to cash at little to no loss in value.
IDI – Insured Depository Institution
Any bank or savings association of which the public's deposits are insured by the Federal Deposit Insurance Corporation (FDIC).
ILST – Internal Liquidity Stress Test
A firm's internally generated liquidity stress test based on risks determined by the firm.
LCR – Liquidity Coverage Ratio
Regulatory liquidity requirement that requires certain large firms maintain a minimum level of high-quality liquid assets.
LFBO – Large and Foreign Banking Organization
Supervisory portfolio that includes U.S. firms with total assets of $100 billion or more and all foreign banking organizations (FBOs) operating in the U.S. regardless of size. Does not include U.S. firms identified as G-SIBs, which are in the LISCC supervisory portfolio.
LFBOMG – Large and Foreign Banking Organization Management Group
An advisory group within the Federal Reserve System that helps to coordinate supervisory activities for the LFBO portfolio.
LFI – Large Financial Institutions Rating System
Confidential holding company rating system for bank holding companies $100 billion and above in size.
LISCC – Large Institution Supervision Coordinating Committee
Supervisory portfolio that includes U.S. firms identified as G-SIBs.
MIS – Management Information Systems
Information used for decisionmaking at a bank.
MRA – Matter Requiring Attention
Calls for action to address weaknesses that could lead to deterioration in a bank's soundness.
MRIA – Matter Requiring Immediate Attention
Calls for immediate action and priority attention to address important or lingering weaknesses that could lead to further deterioration in a bank's soundness.
RBO – Regional Banking Organization
Banking organizations with total consolidated assets between $10 billion and $100 billion.
RBOMG – Regional Banking Organization Management Group
An advisory group within the Federal Reserve System that helps to coordinate supervisory activities for the RBO portfolio.
RFI – Risk Management, Financial Condition, and Impact Bank Holding Company Rating System
Confidential holding company rating system for banking holding companies less than $100 billion in size.
RWA – Risk-Weighted Assets
A bank's assets or off-balance-sheet exposures, weighted according to risk.
SC – Supervision Committee
An advisory committee to the directors of the Federal Reserve Board's Divisions of Supervision and Regulation and the Division of Consumer and Community Affairs, composed of the heads of supervision from each Reserve Bank and senior officers from the Board.