Abbreviations

ACL
allowance for credit losses
AI
artificial intelligence
AML
anti-money laundering
API
application programming interface
BTFP
Bank Term Funding Program
BHC
bank holding company
BSA
Bank Secrecy Act
CA
Consumer Affairs
CBLR
Community Bank Leverage Ratio
CBO
community banking organization
CDS
credit default swap
CECL
current expected credit loss
CET1
common equity tier 1
CFP
contingency funding plan
CLD
construction and land development
CRE
commercial real estate
C&I
commercial and industrial
DLT
distributed ledger technology
FASB
Financial Accounting Standards Board
FBO
foreign banking organization
FDIC
Federal Deposit Insurance Corporation
FFIEC
Federal Financial Institutions Examination Council
FHLB
Federal Home Loan Bank
Fintech
financial technology
GAAP
generally accepted accounting principles
G-SIB
global systemically important banking organization
HELOC
home equity line of credit
IHC
intermediate holding company
IT
information technology
IRR
interest rate risk
LBO
large banking organization
LFBO
large and foreign banking organization
LISCC
Large Institution Supervision Coordinating Committee
MRAs
matters requiring attention
MRIAs
matters requiring immediate attention
NBA
nonbank assets
NMB
nonmember state bank
OCC
Office of the Comptroller of the Currency
RBO
regional banking organization
RRE
residential real estate
SEC
U.S. Securities and Exchange Commission
SHC
securities holding company
SHLC
savings and loan holding company
SMB(s)
state member bank(s)
SR
Supervision and Regulation
U.S. G-SIB
global systemically important banking organization headquartered in the United States
wSTWF
weighted short-term wholesale funding
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Last Update: November 14, 2023