Partnerships
United States obligations, on,
1-123Arranging money transfer to,
5-555Discounts
from Federal Reserve Banks,
1-113;
2-029Emergency credit, extension to by
Federal Reserve Banks,
2-030;
2-039Investment advice partnerships, acquisition
by bank holding companies,
4-297IRA in name of partnership excluded from reserve requirements,
2-303.5Keogh account in
name of partnership excluded from reserve requirements,
2-303.5Law firms—See Attorneys.
Leasing
partnership, formation by bank holding company,
4-618Limited—See Limited partnerships.
Member
banks, loans by to partnerships of which executive officers are partners,
1-193Note, endorsement
of by executive officer of member bank prohibited,
3-1046Securities registration, reports,
5-094Tender offers, making,
5-111Trust partnerships,
short-term; exemption from Bank Holding Company Act,
4-421Pass-through correspondents
—See also Pass-through accounts.
Control of
Bank holding company,
by,
4-460Deficiency, passing on
to respondent,
2-307.3Directors,
loans to—See Executive officers, directors,
and principal shareholders, loans to, this heading.
Excess reserves maintained with, in immediately
withdrawable deposits; reservable,
2-308.2Executive officers, directors, and principal shareholders,
loans to,
3-1017 et seq.;
4-148;
4-149Penalties for violations,
3-1020 et seq.;
4-151 et
seq.
Reports of indebtedness,
3-1031See also Loans to officers, directors, and shareholders of member
banks.
Foreign banks, United States branches;
limitation to one correspondent,
2-307.4Former member bank passing reserves through correspondent,
2-307.5Instruments drawn
against, computation and maintenance of required reserves,
2-320.11Officers, loans to—See Executive officers, directors, and principal
shareholders, this heading.
Reserve requirements—See this heading generally.
Shareholders, principal; loans to—See Executive officers, directors, and principal
shareholders, this heading.
Violations by, penalties,
4-151 et seq.
Zero-balance account at depository institution,
check drawn on by correspondent; treatment,
2-308.5Policy statements and guidelines
Ability-to-repay and qualified mortgage standards rule, fair lending
compliance,
3-1579.457Allowance for loan and lease losses,
3-1480 et
seq.
Current expected credit losses methodology,
3-1488Methodologies and
documentation,
3-1484Secured
by junior liens,
3-1486Troubled debt restructurings,
3-1487Audit systems
Bank holding
companies
Financial contracts,
engaging in,
4-830Foreign-based,
supervision and regulation of,
4-835Large domestic; principles and practices for recovery
and resolution preparedness,
4-840Small; assessment of financial and managerial factors,
4-868Source of strength
to subsidiaries,
4-878Structure, income-tax allocation,
4-870Basic financial services,
3-1503Branches
Closings; notices and policies,
3-1503.5Capital adequacy—See Capital.
Change in bank
control,
4-801Commercial
real estate loans
Communication of supervisory
findings,
3-1532.6Complex structured
financial transactions, elevated-risk,
3-1579.452Country-risk management practices,
3-1510.1Credit card lending,
account management and loss allowance,
3-1485Credit practices, unfair or deceptive,
3-1515Credit reporting, compensating
for incomplete data,
3-1579.36Deposits, brokered and rate-sensitive,
3-1579.37Discount-window borrowing, primary credit;
use of in liquidity management,
2-075Discriminatory employment practices,
3-1527Diversity policies and practices
Standards for assessing regulated entities,
3-1518Dividends, cash; not
fully covered by earnings,
4-877Elevated-risk complex structured financial transactions,
3-1579.452Examinations and
inspections,
3-1531Communicating
problems to management and directors,
3-1532External auditors and examiners, coordination among,
3-1532.2Funds, investment;
banking organizations providing both financial support and advice
to,
3-1579.42Government-guaranteed
loans, excessive premiums on,
3-1600Information security, customers of financial institutions,
3-1571 et seq.;
4-863Inside information, use of by bank in connection with
securities transaction,
3-1550Insurance, credit life; income from sale of,
3-1556International banking
Facilities,
use of deposits and loans,
2-261Information about foreign operations of member banks,
3-721Internet banking, authentication of customer identity,
3-1579.39Investment funds, banking organizations
providing both financial support and advice to,
3-1579.42Investments made by financial institutions,
due diligence requirements for,
3-1579.459Liquidity Coverage Ratio rule
Frequently asked questions,
3-4100Loans
Commercial real
estate, concentrations in; risk management,
3-1579.451Held for sale, accounting and reporting,
3-1502.1Student, private
Graduated repayment terms at origination,
3-1579.458Money laundering
Enforcement of Bank Secrecy Act requirements,
3-1873.21Money-services businesses,
providing banking services to,
3-1873;
3-1873.1 et seq.
Politically
exposed persons, corrupt,
3-1851Suspicious-activity reports
Sharing with
head offices and controlling companies,
3-1873.2Mortgage lending
Nontraditional products; risk management,
3-1579.45Servicers of securitized mortgages,
loss mitigation,
3-1579.455Other
real estate owned (OREO) assets
Parallel-owned
banking organizations, safety and soundness of U.S. institutions,
3-1579.4Payment system
risk,
9-1000 et seq.
Primary
credit; use of program in liquidity management,
2-075Privacy of customer information, standards
for safeguarding
Bank holding companies,
4-863State member banks, Edge
and agreement corporations, and branches and agencies of foreign
banks,
3-1571 et seq.
Real estate
Retail-credit classification
and account management,
3-1502Risk management
Assessment of supervised institutions
with total consolidated assets of less than $50 billion,
3-1579.243Stress testing
banking organizations with total consolidated assets of more than
$10 billion,
3-1579.23See also specific topic, this subheading.
Savings and loan holding companies
Federal Reserve guidance applicable to,
4-866Small; assessment of financial and
managerial factors,
4-868Securities activities and transactions
Inside
information, use of by bank in connection with,
3-1550Investment securities and end-user derivatives,
3-1562Retail sales of nondeposit
investment products,
3-1579.51Structure, income-tax allocation,
4-870 et seq.
Suspicious-activity reports—See Money laundering, this heading.
Truth in lending, restitution,
6-1160President of the United States
Corporate
dividends, orders and regulations to stabilize,
1-545Standards for orderly economic growth,
1-546Dividends, corporate;
orders and regulations to stabilize,
1-545Standards for orderly economic growth,
1-546Economic stabilization,
authority for,
1-545Interest rates, orders
and regulations to stabilize,
1-545International Bank for Reconstruction and Development,
appointment of officers,
1-475International Monetary Fund
Information
provided to by president,
1-484Unauthorized disclosure,
1-485Officers, appointment of,
1-475United States, accepting membership for,
1-474McFadden Act, applicability
to financial environment; report to Congress,
1-576Price standards for orderly economic growth,
setting,
1-546Protection,
as to exemptions from privacy requirements,
8-326Rent standards for orderly economic growth,
setting,
1-546Salary standards
for orderly economic growth, setting,
1-546Wage standards
for orderly economic growth, setting,
1-546Privacy
—See also Confidentiality.
Federal Reserve Board records, access to personal information,
8-205.1;
8-300 et seq.
Accounting of disclosures,
8-314Business day, definition,
8-301Civil remedies,
8-318 et seq.
Computer matching
programs—See Matching programs, this subheading.
Consumer
complaint information,
8-351Consumer finances survey,
8-353Contractor maintenance of records,
8-328Custodian of records, secretary of the Board,
8-303Federal
benefit program, definition,
8-312.3Federal personnel, definition,
8-312.3Fees for providing copies,
8-304Guardian, definition,
8-301Individual, definition,
8-301Inspector General, Office
of; records maintained by
Delegated authority,
8-303Law enforcement purposes,
requests for,
8-310.4;
Maintain, definition,
8-302Data Integrity Boards,
8-331.2 et
seq.
Establishment or revision, notice of,
8-316;
8-330Notice of findings and opportunity to contest,
8-329.5Office of Management and Budget responsibilities,
8-331.5 et seq.
Nonfederal agency, definition,
8-312.2Persons about
whom information pertains, disclosure to,
8-305 et seq.;
8-315Accounting
of disclosures, request for,
8-306Appeals of adverse determinations,
8-310.2Identification of individuals making requests,
8-306Legal guardians, rights of,
8-323Medical records, special procedures,
8-309Procedures for requesting,
8-305Procedures for responding,
8-307 et seq.
Persons other
than to whom information pertains, disclosure to,
8-310.3 et seq.
Recipient agency, definition,
8-312.2Record, definition,
8-302Records, systems of—See Systems of records, this subheading.
Rulemaking authority
and requirements,
8-317Systems of records
Designated, definition,
8-301Financial information
See also Currency and foreign transactions; Right to financial
privacy.
Money laundering and terrorist
activity, to deter,
3-1704.3 et seq.
Nongovernmental entities, disclosures to
See also Privacy
of consumer financial information.
Money
laundering and terrorist activity, information sharing among financial
institutions to deter,
3-1704.5 et seq.
Privacy of consumer financial information
, 6-7250 et seq.
See also Identity theft; Regulation
P.
Accountants, certified public; exempt
from disclosure requirements,
6-7380Affiliate
Agreement corporations, requirements,
3-521Automated teller machines, notices
to consumers,
6-7289;
6-7417Checking accounts—See Servicing
and processing exception, this heading.
Clear and conspicuous, definition,
6-7253Website, person who browses,
6-7410Consumer reporting agency, definition,
6-7255Consumer request
or authorization—See Servicing and processing
exception, this heading.
Credit card issuers
Disclosures of nonpublic
personal information—See Nonpublic personal
information, this heading.
Edge corporations, requirements,
3-521Endorser of consumer loan, as customer,
6-7408Marketing—See Marketing exception, this heading.
Reporting suspected financial exploitation
of older adults,
3-1572.2Servicing and
processing—See Servicing and processing
exception, this heading.
Financial institution,
definition,
6-7257Financial
product or service, definition,
6-7258Foreign banks, uninsured branch or agency of,
3-608See also Right to financial privacy.
Guarantor
of consumer loan, as customer,
6-7408Home Mortgage Disclosure Act reporting,
6-7451Individual retirement accounts, custodians
for,
6-7404Isolated transactions
Opt out, reasonable
opportunity to,
6-7300Joint
consumers
Joint-marketing
exception
Joint notices
with other financial institutions,
6-7291Home
Mortgage Disclosure Act reporting,
6-7451Loans
Collateral, request
for proof of insurance on,
6-7453Default, disclosure of information to enforce,
6-7448;
6-7449Mortgage applications, preapproval and referral,
6-7456Payoff amounts, disclosing,
6-7452Marketing—See Joint-marketing exception, this
heading.
Nonaffiliated third party
Disclosures to—See Nonpublic personal
information, this heading.
Nonpublic personal information
Exceptions—See specific type of exception, this heading.
Non-U.S.-resident consumers,
6-7409Notices—See Opt-out
notices and Privacy notices, this heading.
Opt-out
Clear and conspicuous,
definition,
6-7253Exceptions—See Exceptions to requirements, this
heading.
Joint consumers—See Joint consumers, this heading.
Joint notices with other institutions,
6-7291Personally identifiable
financial information, definition,
6-7260 Accountants, certified
public; exemption for,
6-7380Former customers, to;
not required,
6-7276Clear
and conspicuous, definition,
6-7253Combined with other information,
6-7416Subsequent,
when permissible,
6-7273Future disclosures, reservation of right to make,
6-7282Home Mortgage Disclosure Act reporting,
6-7451Existing customer
obtaining new product or service,
6-7272Subsequent delivery, when permissible,
6-7273Joint consumers—See Joint consumers, this heading.
Joint marketers—See Joint-marketing
exception, this heading.
Noncustomers, short-form
notice for,
6-7281Processing exception—See Servicing
and processing exception, this heading.
Publicly available information, definition,
6-7261Loan
servicing—See Loans, this
heading.
Opt-out requirements,
6-7325 et seq.
State insurance authority, definition,
6-7391State law, relation
to,
6-7385See also Legal requirements, this heading.
Public participation
Acquisition
of insured depository institution, public comment,
1-345.2Federal Open Market Committee public
proceedings not required,
8-811Federal Reserve Board meetings, observation of,
8-400 et seq.
Civil
remedies,
8-430 et seq.
Closed
meetings
Certification
of necessity by General Counsel,
8-414;
8-427Regular procedures for
closing,
8-410 et seq.;
8-422 et seq.
Documents available
for distribution,
8-404Electronic
recording, requirement for,
8-404Report to Congress,
8-433Federal Reserve Board rules of procedure
Applications
Public meetings to air
protests,
8-039Public comment
period, extension authority,
8-108Regulatory activities
Improvements in participatory mechanisms,
8-040
