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2000 - Rules and Regulations


FEDERAL DEPOSIT INSURANCE CORPORATION
RULES AND REGULATIONS
______________

TABLE OF CONTENTS

Subchapter A—Procedure and Rules of Practice

Subpart A—Rules of General Applicability

Subpart B—Deposit Insurance

Subpart C—Establishment and Relocation of Domestic Branches and Offices

Subpart D—Merger Transactions

Subpart E—Change in Bank Control

Subpart F—Change of Director or Senior Executive Officer

Subpart G—Activities of Insured State Banks

Subpart H—Activities of Insured Savings Associations

Subpart I—Mutual-to-Stock Conversions

Subpart J—International Banking

Subpart K—Prompt Corrective Action

Subpart L—Section 19 of the FDI Act
(Consent to Service of Persons Convicted of Certain Criminal Offenses)

Subpart M—Other Filings

Part
§303.240 General
303.241 Reduce or retire capital stock or capital debt instruments
303.242 Exercise of trust powers
303.243 Brokered deposit waivers
303.244 Golden parachute and severance plan payments
303.245 Waiver of liability for commonly controlled depository institutions
303.246 Conversion with diminution of capital
303.247 Continue or resume status as an insured institution following termination under section 8 of the FDI Act
303.248 Truth in Lending Act—relief from reimbursement
303.249 Management official interlocks
303.250 Modification of conditions
303.251 Extension of time
303.252–303.259 [Reserved]
304 Forms, Instructions, and Reports
§ 304.1   Purpose
304.2   Where to obtain forms and instructions
304.3   Reports
305 [Reserved]
306 [Reserved]
307 Certification of assumption of deposits and notification of changes of insured status
§ 307.1   Scope and Purpose
307.2   Certification of assumption of deposits liabilities
307.3   Notice to depositors when insured status is voluntarily terminated and deposits are not assumed
Appendix A to Part 307—Transferring Institution Letterhead
Appendix B to Part 307—Institution Letterhead
308 Rules of Practice and Procedure

Subpart A—Uniform Rules of Practice and Procedure

Part
§ 308.1   Scope
308.2   Rules of construction
308.3   Definitions
308.4   Authority of Board of Directors
308.5   Authority of the administrative law judge
308.6   Appearance and practice in adjudicatory proceedings
308.7   Good faith certification
308.8   Conflicts of interest
308.9   Ex parte communications
308.10  Filing of papers
308.11  Service of papers
308.12  Construction of time limits
308.13  Change of time limits
308.14  Witness fees and expenses
308.15  Opportunity for informal settlement
308.16  FDIC's right to conduct examination
308.17  Collateral attacks on adjudicatory proceeding
308.18  Commencement of proceeding and contents of notice
308.19  Answer
308.20  Amended pleadings
308.21  Failure to appear
308.22  Consolidation and severance of actions
308.23  Motions
308.24  Scope of document discovery
308.25  Request for document discovery from parties
308.26  Document subpoenas to nonparties
308.27  Deposition of witness unavailable for hearing
308.28  Interlocutory review
308.29  Summary disposition
308.30  Partial summary disposition
308.31  Scheduling and prehearing conferences
308.32  Prehearing submissions
308.33  Public hearings
308.34  Hearing subpoenas
308.35  Conduct of hearings
308.36  Evidence
308.37  Proposed findings and conclusions
308.38  Recommended decision and filing of record
308.39  Exceptions to recommended decision
308.40  Review by Board of Directors
308.41  Stays pending judicial review

Subpart B—General Rules of Procedure

Subpart C—Rules of Practice Before the FDIC and Standards of Conduct

Subpart D—Rules and Procedures Applicable to Proceedings Relating to Disapproval of Acquisition of Control

Subpart E—Rules and Procedures Applicable to Proceedings Relating to Assessment of Civil Penalties for Willful Violations of the Change in Bank Control Act

Subpart F—Rules and Procedures Applicable to Proceedings for Involuntary Termination of Insured Status

Subpart G—Rules and Procedures Applicable to Proceedings Relating to Cease- and Desist-Orders

Subpart H—Rules and Procedures Applicable to Proceedings Relating to Assessment and Collection of Civil Money Penalties for Violation of Cease-and-Desist Orders and of Certain Federal Statutes, including Call Report Penalties

Subpart I—Rules and Procedures for Imposition of Sanctions Upon Municipal Securities Dealers or Persons Associated With Them and Clearing Agencies or Transfer Agents

Subpart J—Rules and Procedures Relating to Exemption Proceedings Under Section 12(h) of the Securities Exchange Act of 1934

Subpart K—Procedures Applicable to Investigations Pursuant to Section 10(c) of the FDIA

Subpart L—Procedures and Standards Applicable to a Notice of Change in Senior Executive Officer or Director Pursuant to Section 32 of the FDIA

Subpart M—Procedures and Standards Applicable to an Application Pursuant to Section 19 of the FDIA

Subpart N—Rules and Procedures Applicable to Proceedings Relating to Suspension, Removal, and Prohibition Where a Felony is Charged

Subpart O—Liability of Commonly Controlled Depository Institutions

Subpart P—Rules and Procedures Relating to the Recovery of Attorney Fees and Other Expenses

Subpart Q—Issuance and Review of Orders Pursuant to the Prompt Corrective Action Provisions of the Federal Deposit Insurance Act

Subpart R—Submission and Review of Safety and Soundness Compliance Plans and Issuance of Orders to Correct Safety and Soundness Deficiencies

Subpart S—Applications for a Stay or Review of Actions of Bank Clearing Agencies

Subpart T—Program Fraud Civil Remedies and Procedures

Part
§ 308.500 Basis, purpose, and scope
308.501 Definitions
308.502 Basis for civil penalties and assessments
308.503 Investigations
308.504 Review by the reviewing official
308.505 Prerequisites for issuing a complaint
308.506 Complaint
308.507 Service of complaint
308.508 Answer
308.509 Default upon failure to file an answer
308.510 Referral of complaint and answer to the ALJ
308.511 Notice of hearing
308.512 Parties to the hearing
308.513 Separation of functions
308.514 Ex parte contacts
308.515 Disqualification of reviewing official or ALJ
308.516 Rights of parties
308.517 Authority of the ALJ
308.518 Prehearing conferences
308.519 Disclosure of documents
308.520 Discovery
308.521 Exchange of witness lists, statements, and exhibits
308.522 Subpoenas for attendance at hearing
308.523 Protective order
308.524 Witness fees
308.525 Form, filing, and service of papers
308.526 Computation of time
308.527 Motions
308.528 Sanctions
308.529 The hearing and burden of proof
308.530 Determining the amount of penalties and assessments
308.531 Location of hearing
308.532 Witnesses
308.533 Evidence
308.534 The record
308.535 Post-hearing briefs
308.536 Initial decision
308.537 Reconsideration of initial decision
308.538 Appeal to the Board of Directors
308.539 Stays ordered by the Department of Justice
308.540 Stay pending appeal
308.541 Judicial review
308.542 Collection of civil penalties and assessments
308.543 Right to administrative offset
308.544 Deposit in Treasury of United States
308.545 Compromise or settlement
308.546 Limitations

Subpart U—Removal, Suspension, and Debarment of Accountants From Performing Audit Services

Regulations

FDIC Systems of Records


Part
30–64–0001 Attorney and Legal Intern Applicant Records
30–64–0002 Financial Institution Investigative and Enforcement Records
30–64–0003 Administrative and Personnel Action Records
30–64–0004 Changes in Financial Institution Control Ownership Records
30–64–0005 Consumer Complaint and Inquiry Records
30–64–0006 Employee Confidential Financial Disclosure Records
30–64–0007 Employee Training Information Records
30–64–0008 Chain Banking Organizations Identification Records
30–64–0009 Safety and Security Incident Records
30–64–0010 Investigative Files of the Office of the Inspector General
30–64–0011 Corporate Recruiting, Evaluating, and Electronic Referral System
30–64–0012 Financial Information Management Records
30–64–0013 Insured Financial Institution Liquidation Records
30–64–0014 Personnel Benefits and Enrollment Records
30–64–0015 Personnel Records
30–64–0016 Professional Qualification Records for Municipal Securities Dealers, Municipal Securities Representatives and U.S. Government Securities Brokers/Dealers
30–64–0017 Employee Medical and Health Assessment Records
30–64–0018 Grievance Records
30–64–0019 Potential Bidders List
30–64–0020 Telephone Call Detail Records
30–64–0021 Fitness Center Records
30–64–0022 Freedom of Information Act and Privacy Act Request Records
30–64–0023 Affordable Housing Program Records
30–64–0024 Unclaimed Deposits Account Records
30–64–0025 Beneficial Ownership Filings (Securities Exchange Act)
30–64–0026 Transit Subsidy Program Records
30–64–0027 Parking Program Records
30–64–0028 Office of the Chairman Correspondence Records
30–64–0029 Congressional Correspondence Records
30–64–0030 Legislative Information Tracking System Records
30–64–0031 Online Ordering Request Records
30–64–0032 [Reserved]
30–64–0033 Emergency Notification Records
30–64–0034 Office of Inspector General Inquiry Records
Appendix A

Appendix A

Subpart A—Scope, Purpose, Definitions and Delegations of Authority

Subpart B—Administrative Offset

Subpart C—Salary Offset


Part
§ 313.40  Scope
313.41  Notice requirement where FDIC is creditor agency
313.42  Procedures to request a hearing
313.43  Failure to timely submit request for hearing
313.44  Procedure for hearing
313.45  Certification of debt by FDIC as creditor agency
313.46  Notice of salary offset where FDIC is the paying agency
313.47  Voluntary repayment agreements as alternative to salary offset where the FDIC is the creditor agency
313.48  Special review of repayment agreement or salary offset due to changed circumstances
313.49  Coordinating salary offset with other agencies
313.50  Interest, penalties, and administrative costs
313.51  Refunds
313.52  Request from a creditor agency for services of a hearing official
313.53  Non-waiver of rights by payments
313.54  Exception to due process procedures
313.55  Salary adjustments
313.56–313.79    [Reserved]

Subpart D—Administrative Wage Garnishment

Subpart E—Tax Refund Offset

Subpart F—Civil Service Retirement and Disability Fund Offset

Subpart G—Mandatory Centralized Administrative Offset

Subchapter B—Regulations and Statements of General Policy

Subpart A—General Provisions

Subpart B—Capital Ratio Requirements and Buffers

Subpart C—Definition of Capital

Subpart D— Risk-weighted Assets—Standardized Approach

RISK-WEIGHTED ASSETS FOR GENERAL CREDIT RISK
Part
324.31 Mechanics for calculating risk-weighted assets for general credit risk
324.32 General risk weights
324.33 Off-balance sheet exposures
324.34 OTC derivative contracts
324.35 Cleared transactions
324.36 Guarantees and credit derivatives: substitution treatment
324.37 Collateralized transactions

RISK-WEIGHTED ASSETS FOR UNSETTLED TRANSACTIONS
Part
324.38 Unsettled transactions
324.39–324.40 [Reserved]

RISK-WEIGHTED ASSETS FOR SECURITIZATION EXPOSURES

RISK-WEIGHTED ASSETS FOR EQUITY EXPOSURES

DISCLOSURES

Subpart E—Risk-weighted Assets—Internal Ratings-Based and
Advanced Measurement Approaches

QUALIFICATION

RISK-WEIGHTED ASSETS FOR GENERAL CREDIT RISK

RISK-WEIGHTED ASSETS FOR SECURITIZATION EXPOSURES

RISK-WEIGHTED ASSETS FOR EQUITY EXPOSURES

RISK-WEIGHTED ASSETS FOR OPERATIONAL RISK

DISCLOSURES

Subpart F—Risk-weighted Assets—Market Risk

Subpart G—Transition Provisions

Subpart H—Prompt Corrective Action

Subpart A—Minimum Capital Requirements

Subpart B—Prompt Corrective Action

Subpart C—Annual Stress Test

Subpart A—Minimum Security Procedures

Subpart B—Procedures for Monitoring Bank Secrecy Act Compliance

Subpart A—In General

Part
§ 327.1   Purpose and scope
327.2   Certified statements
327.3   Payment of assessments
327.4   Assessment rates
327.5   Assessment base
327.6   Terminating transfers; other terminations of insurance
327.7   Payment of interest on assessment underpayments and overpayments
327.8   Definitions
327.9   Assessment risk categories and pricing methods
327.10  Assessment rate schedule
327.11  Special assessments
327.12  Prepayment of quarterly risk-based assessments
327.15  Emergency special assessments
Appendix A to Part 327—Method to Derive Pricing Multipliers and  Uniform Amount 
Appendix B to Part 327—Numerical Conversion of Long-Term Debt  Issuer Rating 
Appendix C to Part 327—Additional Risk Consideration for Large Risk  Category I Institutions
Appendix D to Subpart A of Part 327—Description of the Loss Severity  Measure

Subpart B—Insured Depository Institutions Participating in Section 5(d)(3) Transactions

Subpart C—Implementation of Dividend Requirements

Part
§ 327.50  Purpose and Scope
328 Advertisement of Membership {tocl1}§ 328.0   %Scope
328.1   Official sign
§ 328.2   Display and procurement of official sign
328.3   Official advertising statement requirements
328.4   Prohibition against receiving deposits at same teller station or window as noninsured institution
329 [Reserved]
330 %Deposit Insurance Coverage {tocl1}§ 330.1   Definitions
330.2   Purpose
330.3   General principles
330.4   Continuation of separate deposit insurance after merger of insured depository institutions
330.5   Recognition of deposit ownership and fiduciary requirements
330.6   Single ownership accounts
330.7   Accounts held by an agent, nominee, guardian, custodian or conservator
330.8   Annuity contract accounts
330.9   Joint ownership accounts
330.10  Revocable trust accounts
330.11  Accounts of a corporation, partnership or unincorporated association
330.12  Accounts held by a depository institution as the trustee of an irrevocable trust
330.13  Irrevocable trust accounts
330.14  Retirement and other employee benefit plan accounts
330.15  Accounts held by government depositors
330.16  Noninterest-bearing transaction accounts


Subpart A—Privacy and Opt Out Notices

Subpart B—Limits on Disclosures

Subpart C—Exceptions

Subpart D—Relation to Other Laws; Effective Date

Regulations

Interpretations

Subpart A—General Provisions

Subpart B—[Reserved]

Subpart C—Affiliate Marketing

Subpart D—Medical Information

Subpart E–H—[Reserved]

Subpart I—Duties of Users of Consumer Reports Regarding Identity Theft

Subpart J—Identity Theft Red Flags

Part
§ 334.90  Duties regarding the detection, prevention, and mitigation of identity theft
334.91  Duties of card issuers regarding changes of address
Appendix A—B [Reserved]
Appendix C to Part 334—Model Forms for Opt-Out Notices
Appendix D—I [Reserved]
Appendix J to Part 334—Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation
335 Securities of Nonmember Insured Banks
§ 335.101 Scope of part, authority and OMB control number
335.111 Forms and schedules
335.121 Listing standards related to audit committees
335.201 Securities exempted from registration
335.211 Registration and reporting
335.221 Forms for registration of securities; optional forms for small business issuers; and incorporation of Regulation FD (Fair Disclosure)
335.231 Certification, suspension of trading, and removal from listing by exchanges
335.241 Unlisted trading
335.251 Forms for notification of action taken by national securities exchanges
335.261 Exemptions; terminations; and definitions


335.301 Reports of issuers of securities registered pursuant to section 12
335.311 Forms for annual, quarterly, current, and other reports of issuers
335.321 Maintenance of records and issuer's representations in connection with required reports
335.331 Acquisition statement, acquisitions of securities by issuers, and other matters
335.401 Solicitations of proxies
335.501 Tender offers
335.601 Requirements of section 16 of the Securities Exchange Act of 1934
335.611 Initial statement of beneficial ownership of securities (Form F–7)
335.612 Statement of changes in beneficial ownership of securities (Form F–8)
335.613 Annual statement of beneficial ownership of securities (Form F–8A)
335.701 Filing requirements, public reference, and confidentiality
§ 335.801 Inapplicable SEC regulations; FDIC substituted regulations; additional information
335.901 Delegation of authority to act on matters with respect to disclosure laws and regulations
336 FDIC Employees

Subpart A—Employee Responsibilities and Conduct

Subpart B—Minimum Standards of Fitness for Employment With the Federal Deposit Insurance Corporation

Subpart C—One-Year Restriction on Post-Employment Activities of Senior Examiners

Subpart A—Advertising

Subpart B—Recordkeeping

Part
338.5  Purpose
338.6  Definitions applicable to this subpart B
338.7  Recordkeeping requirements
338.8  Compilation of loan data in register format
338.9  Mortgage lending of a controlled entity
339 Loans in Areas Having Special Flood Hazards
§ 339.1  Authority, purpose, and scope
339.2  Definitions
339.3  Requirement to purchase flood insurance where available
339.4  Exemptions
339.5  Escrow requirement
339.6  Required use of standard flood hazard determination form
339.7  Forced placement of flood insurance
339.8  Determination fees
339.9  Notice of special flood hazards and availability of federal disaster relief assistance
339.10 Notice of servicer's identity
Appendix A to Part 339—Sample Form of Notice of Special Flood Hazards and Availability of Federal Disaster Relief Assistance
340 Restrictions on Sale of Assets by the Federal Deposit Insurance Corporation
§ 340.1  What is the statutory authority for the regulation, what are its purpose and scope, and can the FDIC have other policies on related topics?
340.2  Definitions
340.3  What are the restrictions on the sale of assets by the FDIC if the buyer wants to finance the purchase with a loan from the FDIC?
340.4  What are the restrictions on the sale of assets by the FDIC regardless of the method of financing?
340.5  Can the FDIC deny a loan to a buyer who is not qualified from purchasing assets using seller-financing under this regulation?
340.6  What is the effect of this part on transactions that were entered into before its effective date?
340.7  When is a certification required, and who does not have to provide a certification?
340.8  Does this part apply in the case of a workout, resolution, or settlement of obligations?
341 Registration of Securities Transfer Agents
§ 341.1  Scope
341.2  Definitions
341.3  Registration as securities transfer agent
341.4  Amendments to registration
341.5  Withdrawal from registration
341.6  Reports
341.7  Delegation of authority
342 [Reserved]
343 Consumer Protection in Sales of Insurance
§ 343.10 Purpose and scope
§ 343.20 Definitions
§ 343.30 Prohibited practices
§ 343.40 What you must disclose
§ 343.50 Where insurance activities may take place
§ 343.60 Qualification and licensing requirements for insurance sales personnel
Appendix A to Part 343—Consumer Grievance Process
344 Recordkeeping and Confirmation Requirements for Securities Transactions
§ 344.1  Purpose and scope
344.2  Exceptions
344.3  Definitions
344.4  Recordkeeping
344.5  Content and time of notification
344.6  Notification by agreement; alternative forms and times of notification
344.7  Settlement of securities transactions
344.8  Securities trading policies and procedures
344.9  Personal securities trading reporting by bank officers and employees
344.10 Waivers
345 Community Reinvestment

Subpart A—General

Subpart B—Standards for Assessing Performance

Subpart C—Records, Reporting, and Disclosure Requirements


Part
345.41 Assessment area delineation
345.42 Data collection, reporting, and disclosure
345.43 Content and availability of public file
345.44 Public notice by banks
345.45 Publication of planned examination schedule
Appendix A to Part 345—Ratings
Appendix B to Part 345—CRA Notice
Interagency questions and answers regarding Community Reinvestment
346—Disclosure and Reporting of CRA-Related Agreements
§ 346.1   Purpose and scope of this part
346.2   Definition of covered agreement
346.3   CRA communications
346.4   Fulfillment of the CRA
346.5   Related agreements considered a single agreement
346.6   Disclosure of covered agreements
346.7   Annual reports
346.8   Release of information under FOIA
346.9   Compliance provisions
346.10  Transition provisions
346.11  Other definitions and rules of construction used in this part
347 International Banking

Subpart A—Foreign Branching and Investment by Insured State Nonmember Banks


Part
§ 347.101 Purpose, authority, and scope
347.102 Definitions
347.103 Effect of state law on actions taken under this subpart
347.104 Insured state nonmember bank investments in foreign organizations
347.105 Permissible financial activities outside the United States
347.106 Going concerns
347.107 Joint ventures
347.108 Portfolio investments
347.109 Limitations on indirect investments in nonfinancial foreign organizations
347.110 Affiliate holdings
347.111 Underwriting and dealing limits applicable to foreign organizations held by insured state nonmember banks
347.112 Restrictions applicable to foreign organizations that act as futures commission merchants
347.113 Restrictions applicable to activities by a foreign organization in the United States
347.114 Extensions of credit to foreign organizations held by insured state nonmember banks; shares of foreign organizations held in connection with debts previously contracted
347.115 Permissible activities for a foreign branch of an insured state nonmember bank
347.116 Recordkeeping and supervision of the foreign activities of insured state nonmember banks
347.117 General consent
347.118 Expedited processing
347.119 Specific consent
347.120 Computation of investment amounts
347.121 Requirements for insured state nonmember bank to close a foreign branch
347.122 Limitations applicable to the authority provided in this subpart

Subpart B—Foreign Banks


Part
347.201 Scope
347.202 Definitions
347.203 Deposit insurance required for all branches of foreign banks engaged in domestic retail deposit activity in the same State
347.204 Commitment to be examined and provide information
347.205 Record maintenance
347.206 Domestic retail deposit activity requiring deposit insurance by U.S. branch of a foreign bank
347.207 Disclosure of supervisory information to foreign supervisors
347.208 Assessment base deductions by insured branch
347.209 Pledge of assets
347.210 Asset maintenance
347.211 Examination of branches of foreign banks
347.212 FDIC approval to conduct activities that are not permissible for federal branches
347.213 Establishment or operation of noninsured foreign branch
347.214 Branch established under section 5 of the International Banking Act
347.215 Exemptions from deposit insurance requirement
347.216 Depositor notification

Subpart C—International Lending

Part
§ 347.301 Purpose, authority, and scope
347.302 Definitions
347.303 Allocated transfer risk reserve
347.304 Accounting for fees on international loans
347.305 Reporting and disclosure of international assets
348 Management Official Interlocks
§ 348.1   Authority, purpose, and scope
348.2   Definitions
348.3   Prohibitions
348.4   Interlocking relationships permitted by statute
348.5   Small market share exemption
348.6   General exemption
348.7   Change in circumstances
348.8   Enforcement
349 Retail Foreign Exchange Transactions
§ 349.1   Authority, purpose, and scope
349.2   Definitions
349.3   Prohibited transactions
349.4   Filing procedures
349.5   Application and closing out of offsetting long and short positions
349.6   Disclosure
349.7   Recordkeeping
349.8   Capital requirements
349.9   Margin requirements
349.10  Required reporting to customers
349.11  Unlawful representations
349.12  Authorization to trade
349.13  Trading and operational standards
349.14  Supervision
349.15  Notice of transfers
349.16  Customer dispute resolution
350 Disclosure of Financial and Other Information by FDIC-Insured State Nonmember Banks
§ 350.1   Scope
350.2   Definitions
350.3   Requirement for annual disclosure statement
350.4   Contents of annual disclosure statement
350.5   Alternative annual disclosure statements
350.6   Signature and attestation
350.7   Notice and availability
350.8   Delivery
350.9   Disclosure of examination reports
350.10  Prohibited conduct and penalties
350.11  Safe harbor provision
350.12  Disclosure required by applicable banking or securities law or regulations
351 [Reserved]
352 Nondiscrimination on the Basis of Disability
§ 352.1   Purpose
352.2   Application
352.3   Definitions
352.4   Nondiscrimination in any program or activity conducted by the FDIC
352.5   Accessibility to electronic and information technology
352.6   Employment
352.7   Accessibility of programs and activities: Exisitng facilities
352.8   Program accessibility: New construction and alterations
352.9   Communications
352.10  Compliance procedures
352.11  Notice
353 %Suspicious Activity Reports {tocl1}§ 353.1   Purpose and scope
353.2   Definitions
353.3   Reports and records
357 Determination of Economically Depressed Regions
§ 357.1   Economically depressed regions
359 Golden Parachute and Indemnification Payments
§ 359.0   Scope
359.1   Definitions
359.2   Golden parachute payments prohibited
359.3   Prohibited indemnification payments
359.4   Permissible golden parachute payments
359.5   Permissible indemnification payments
359.6   Filing instructions
359.7   Applicability in the event of receivership
360 Resolution and Receivership Rules
§ 360.1   Least-cost resolution
360.2   Federal Home Loan banks as secured creditors
360.3   Priorities
360.4   Administrative expenses
360.5   Definition of qualified financial contracts
360.6   Treatment by the Federal Deposit Insurance Corporation as conservator or receiver of financial assets transferred in connection with a securitization or participation
360.7   Post-insolvency interest
360.8   Method for determining deposit and other liability account balances at a failed insured depository institution
360.9   Large-bank deposit insurance determination modernization
360.10  Resolution plans required for insured depository institutions with $50 billion or more in total assets 
360.11  Records of failed insured depository institutions
Appendix A to Part 360—Non-Money Transaction File Structure
Appendix B to Part 360—Debit/Credit File Structure
Appendix C to Part 360—Deposit File Structure
Appendix D to Part 360—Sweep/Automated Credit Account File Structure
Appendix E to Part 360—Hold File Structure
Appendix F to Part 360—Customer File Structure
Appendix G to Part 360—Deposit-Customer Join File Structure
Appendix H to Part 360—Possible File Combinations for Deposit Data
361 Minority and Women Outreach Program—Contracting
§ 361.1   Why do minority- and women-owned businesses need this outreach regulation?
361.2   Why does the FDIC have this outreach program?
361.3   Who may participate in this outreach program?
361.4   What contracts are eligible for this outreach program?
361.5   What are the FDIC's oversight and monitoring responsibilities in administering this program?
361.6   What outreach efforts are included in this program?
362 Activities of Insured State Banks and Insured Savings Associations

Subpart A—Activities of Insured State Banks

Subpart B—Safety and Soundness Rules Governing Insured State Nonmember Banks

Subpart C—Activities of Insured State Savings Associations

Subpart D—Acquiring, Establishing, or Conducting New Activities Through a Subsidiary by an Insured Savings Association

Subpart E—Financial Subsidiaries of Insured State Nonmember Banks

Part
§ 362.16   Purpose and Scope
362.17   Definitions
362.18   Financial subsidiaries of insured state nonmember banks
Preamble to Part 362 (November 5, 1998)
Preamble to Part 362 (October 27, 1992)
363 Annual Independent Audits and Reporting Requirements
§ 363.0   OMB control number
363.1   Scope
363.2   Annual reporting requirements
363.3   Independent public accountant
363.4   Filing and notice requirements
363.5   Audit committees
Appendix A to Part 363—Guidelines and Interpretations
Preamble to Part 363 (June 2, 1993)
364 Standards for Safety and Soundness
§ 364.100 Purpose
364.101 Standards for safety and soundness
Appendix A to Part 364—Interagency guidelines establishing standards for safety and soundness
Appendix B to Part 364—Interagency guidelines establishing information security standards
Supplement A to Appendix B to Part 364—Interagency Guidance on Response Programs for Unauthorized Access to Customer Information and Customer Notice
365 Real Estate Lending Standards
§ 365.1   Purpose and scope
365.2   Real estate lending standards
Appendix A to Part 365—Interagency Guidelines for Real Estate Lending Policies
366 Minimum Standards of Integrity and Fitness for an FDIC Contractor
§ 366.0   Definitions
366.1   What is the purpose of this part?
366.2   What is the scope of this part?
366.3   Who cannot perform contractual services for the FDIC?
366.4   When is there a pattern or practice of defalcation?
366.5   What causes a substantial loss to a federal deposit insurance fund?
366.6   How is my ownership or control determined?
366.7   Will the FDIC waive the prohibitions under §366.3?
366.8   Who can grant a waiver of a prohibition or conflict of interest?
366.9   What other requirements could prevent me from performing contractual services for the FDIC?
366.10  When would I have a conflict of interest?
366.11  Will the FDIC waive a conflict of interest?
366.12  What are the FDIC's minimum standards of ethical responsibility?
366.13  What is my obligation regarding confidential information?
366.14  What information must I provide the FDIC?
366.15  What advice or determinations will the FDIC provide me on the applicability of this part?
366.16  When may I seek a reconsideration or review of an FDIC determination?
366.17  What are the possible consequences for violating this part?
367 Suspension and Exclusion of Contractor and Termination of Contracts
§ 367.1   Authority, purpose, scope and application
367.2   Definitions
367.3   Appropriate Officials
367.4   [Reserved]
367.5   Exclusions
367.6   Causes for exclusion
367.7   Suspensions
367.8   Causes for suspension
367.9   Imputation of causes
367.10— 367.11 [Reserved]
367.12  Procedures
367.13  Notices
367.14  Responses
367.15  Additional proceedings as to disputed material facts
367.16  Ethics Counselor decisions
367.17  Duration of suspensions and exclusions
367.18  Abrogation of contracts
367.19  Exceptions to suspensions and exclusions
367.20  Review and reconsideration of Ethics Counselor decisions
368 Government Securities Sales Practices
§ 368.1   Scope
368.2   Definitions
368.3   Business conduct
368.4   Recommendations to customers
368.5   Customer information
368.100 Obligations concerning institutional customers
369 Prohibition Against Use of Interstate Branches Primarily for Deposit Production
§ 369.1  Purpose and scope
369.2  Definitions
369.3  Loan-to-deposit ratio screen
369.4  Credit needs determination
369.5  Sanctions
370 Temporary Liquidity Guarantee Program
§ 370.1  Scope
370.2  Definitions
370.3  Debt Guarantee program
370.4  Transaction account guarantee program
370.5  Participation
370.6  Assessments under the debt guarantee program
370.7  Assessment for the transaction account guarantee program
370.8  Systemic risk emergency special assessment to recover loss
370.9  Recordkeeping requirements
370.10 Oversight
370.11 Enforcement mechanisms
370.12 Payment of claims
371 Recordkeeping Requirements for Qualified Financial Contracts
§ 371.1  Scope, purpose, and applicability
371.2  Definitions
371.3  Form, availability and maintenance
371.4  Content of records
371.5  Enforcement actions
Appendix A to Part 371—File Structure for Qualified Financial Contract (QFC) Record

Subpart A—General and Miscellaneous Provisions

Part
380   
§ 380.1  Definitions
380.2  [Reserved]
380.3  Treatment of personal service agreements
380.4  [Reserved]
380.5  Treatment of covered financial companies that are subsidiaries of insurance companies
380.6  Limitation on liens on assets of covered financial companies that are insurance companies or covered subsidiaries of insurance companies
380.7  Recoupment of compensation from senior executives and directors
380.8  Predominantly engaged in activities that are financial or incidental thereto
380.9  Treatment of fraudulent and preferential transfers
380.10  Maximum obligation limitation
380.11  Treatment of mutual insurance holding companies
380.12  Enforcement of subsidiary and affiliate contracts by the FDIC as receiver of a covered financial company
380.13–380.19 [Reserved]

Subpart B—Priorities

Subpart C—Receivership Administrative Claims Process

Part
§ 380.30 Receivership administrative claims process
380.31 Scope
380.32 Claims bar date 
380.33 Notice requirements
380.34 Procedures for filing claim
380.35 Determination of claims
380.36 Decision period
380.37 Notification of determination
380.38 Procedures for seeking judicial review of disallowed claim
380.39 Contingent claims
380.40–380.49 [Reserved]
380.50 Determination of secured claims
380.51 Consent to certain actions
380.52 Adequate protection
380.53 Repudiation of secured contract
381 Resolution {tocl1}§ 381.1 %Authority and scope
381.2 Definitions
381.3 Resolution plan required
381.4 Informational content of a resolution plan
381.5 Review of resolution plans; resubmission of deficient resolution plans
381.6 Failure to cure deficiencies on resubmission of a resolution plan
381.7 Consultation
381.8 No limiting effect or private right of action; confidentiality of resolution plans
381.9 Enforcement
390 Regulations transferred from the Office of Thrift Supervision

Subpart A—Restrictions on Post-Employment Activities of Senior Examiners

Subpart B—Removals, Suspensions, and Prohibitions
Where a Crime is Charged or Proven

Subpart C—Rules of Practice and Procedure in Adjudicatory Proceedings

Part
390.30 Scope 
390.31 Rules of construction 
390.32 Definitions 
390.33 Authority of the Board of Directors 
390.34 Authority of the administrative law judge 
390.35 Appearance and practice in adjudicatory proceedings 
390.36 Good faith certification 
390.37 Conflicts of interest 
390.38 Ex parte communications 
390.39 Filing of papers 
390.40 Service of papers 
390.41 Construction of time limits 
390.42 Change of time limits 
390.43 Witness fees and expenses 
390.44 Opportunity for informal settlement 
390.45 The FDIC's right to conduct examination 
390.46 Collateral attacks proceeding 
390.47 Commencement of proceeding and contents of notice 
390.48 Answer 
390.49 Amended pleadings 
390.50 Failure to appear 
390.51 Consolidation and severance of actions 
390.52 Motions 
390.53 Scope of document discovery 
390.54 Request for document discovery from parties 
390.55 Document subpoenas to nonparties 
390.56 Deposition of witness unavailable for hearing 
390.57 Interlocutory review 
390.58 Summary disposition 
390.59 Partial summary disposition 
390.60 Scheduling and prehearing conferences 
390.61 Prehearing submissions 
390.62 Public hearings 
390.63 Hearing subpoenas 
390.64 Conduct of hearings 
390.65 Evidence 
390.66 Post-hearing filings 
390.67 Recommended decision and filing of record 
390.68 Exceptions to recommended decision 
390.69 Review by the Board of Directors 
390.70 Stays pending judicial review 
390.71 Scope 
390.72 Appointment of Office of Financial Institution Adjudication 
390.73 Discovery 
390.74 Civil money penalties 
390.75 Additional procedures 

Subpart D—Rules for Investigative Proceedings and Formal Examination Proceedings

Subpart E—Practice before the FDIC

Subpart F—Application Processing Procedures

Part
390.100 What does this subpart do? 
390.101 Do the same procedures apply to all applications under this subpart? 
390.102 How does the FDIC compute time periods under this subpart? 
390.103 Must I meet with the FDIC before I file my application? 
390.104 What information must I include in my draft business plan? 
390.105 What type of application must I file? 
390.106 What information must I provide with my application? 
390.107 May I keep portions of my application confidential? 
390.108 Where do I file my application? 
390.109 What is the filing date of my application? 
390.110 How do I amend or supplement my application? 
390.111 Who must publish a public notice of an application? 
390.112 What information must I include in my public notice? 
390.113 When must I publish the public notice? 
390.114 Where must I publish the public notice? 
390.115 What language must I use in my publication? 
390.116 Comment procedures 
390.117 Who may submit a written comment? 
390.118 What information should a comment include? 
390.119 Where are comments filed? 
390.120 How long is the comment period? 
390.121 Meeting procedures 
390.122 When will the FDIC conduct a meeting on an application? 
390.123 What procedures govern the conduct of the meeting? 
390.124 Will the FDIC approve or disapprove an application at a meeting? 
390.125 Will a meeting affect application processing time frames? 
390.126 If I file a notice under expedited treatment, when may I engage in the proposed activities? 
390.127 What will the FDIC do after I file my application? 
390.128 If the FDIC requests additional information to complete my application, how will it process my application? 
390.129 Will the FDIC conduct an eligibility examination? 
390.130 What may the FDIC require me to do after my application is deemed complete? 
390.131 Will the FDIC require me to publish a new public notice? 
390.132 May the FDIC suspend processing of my application? 
390.133 How long is the FDIC review period? 
390.134 How will I know if my application has been approved? 
390.135 What will happen if the FDIC does not approve or disapprove my application within two calendar years after the filing date? 

Subpart G—Nondiscrimination Requirements

Subpart H—Disclosure and Reporting of CRA-Related Agreements

Subpart I—Consumer Protection in Sales of Insurance

Appendix A to Subpart I of Part 390—Consumer Grievance Process

Subpart J—Fiduciary Powers of State Savings Associations

Subpart K—Recordkeeping and Confirmation Requirements for
Securities Transactions

Part
390.200 What does this subpart do? 
390.201 Must I comply with this subpart? 
390.202 What requirements apply to all transactions? 
390.203 What definitions apply to this subpart? 
390.204 What records must I maintain for securities transactions? 
390.205 How must I maintain my records? 
390.206 What type of notice must I provide when I effect a securities transaction for a customer 
390.207 How do I provide a registered broker-dealer confirmation? 
390.208 How do I provide a written notice? 
390.209 What are the alternate notice requirements? 
390.210 May I provide a notice electronically? 
390.211 May I charge a fee for a notice? 
390.212 When must I settle a securities transaction? 
390.213 What policies and procedures must I maintain and follow for securities transactions? 
390.214 How do my officers and employees file reports of personal securities trading transactions? 

Subpart L—Electronic Operations

Subpart M—Deposits

Subpart N—Possession by Conservators and Receivers for
Federal and State Savings Associations

Subpart O—Subordinate Organizations

Subpart P—Lending and Investment

Subpart Q—Definitions for Regulations Affecting all State Savings Associations

Part
390.280 When do the definitions in this subpart apply? 
390.281 Account 
390.282 Accountholder 
390.283 Affiliate 
390.284 Affiliated person 
390.285 Audit period 
390.286 Certificate account 
390.287 Consumer credit 
390.288 Controlling person 
390.289 Corporation 
390.290 Demand accounts 
390.291 Director 
390.292 Financial institution 
390.293 Immediate family 
390.294 Land loan 
390.295 Low-rent housing 
390.296 Money Market Deposit Accounts 
390.297 Negotiable Order of Withdrawal Accounts 
390.298 Nonresidential construction loan 
390.299 Nonwithdrawable account 
390.300 Note account 
390.301 [Reserved]
390.302 Officer 
390.303 Parent company; subsidiary 
390.304 Political subdivision 
390.305 Principal office 
390.306 Public unit 
390.307 Savings account 
390.308 State savings association 
390.309 Security 
390.310 Service corporation 
390.311 State 
390.312 Subordinated debt security 
390.313 Tax and loan account 
390.314 United States Treasury General Account 
390.315 United States Treasury Time Deposit Open Account 
390.316 With recourse 

Subpart R—Regulatory Reporting Standards

Subpart S—State Savings Associations-Operations

Part
390.330 Chartering documents 
390.331 Securities: Statement of non-insurance 
390.332 Merger, consolidation, purchase or sale of assets, or assumption of liabilities 
390.333 Advertising 
390.334 Directors, officers, and employees 
390.335 Tying restriction exception 
390.336 Employment contracts 
390.337 Transactions with affiliates 
390.338 Loans by savings associations to their executive officers, directors and principal shareholders 
390.339 Pension plans 
390.340 Offers and sales of securities at an office of a State savings association 
390.341 Inclusion of subordinated debt securities and mandatorily redeemable preferred stock as supplementary capital 
390.342 Capital distributions by State savings associations 
390.343 What is a capital distribution? 
390.344 Definitions applicable to capital distributions 3394
390.345 Must I file with the FDIC? 
390.346 How do I file with the FDIC? 
390.347 May I combine my notice or application with other notices or applications? 
390.348 Will the FDIC permit my capital distribution? 
390.349 Management and financial policies 
390.350 Examinations and audits; appraisals; establishment and maintenance of records 
390.351 Frequency of safety and soundness examination 
390.352 Financial derivatives 
390.353 Interest-rate-risk-management procedures 
390.354 Procedures for monitoring Bank Secrecy Act (BSA) compliance 
390.355 Suspicious Activity Reports and other reports and statements
390.356 Bonds for directors, officers, employees, and agents; form of and amount of bonds 
390.357 Bonds for agents 
390.358 Conflicts of interest 
390.359 Corporate opportunity 
390.360 Change of director or senior executive officer 
390.361 Applicable definitions 
390.362 Who must give prior notice? 
390.363 What procedures govern the filing of my notice? 
390.364 What information must I include in my notice? 
390.365 What procedures govern the FDIC review of my notice for completeness? 
390.366 What standards and procedures will govern the FDIC review of the substance of my notice? 
390.367 When may a proposed director or senior executive officer begin service? 
390.368 When will the FDIC waive the prior notice requirement? 

Subpart T—Accounting Requirements

Subpart U—Securities of State Savings Associations

Subpart V—Management Official Interlocks

Subpart W—Securities Offerings

Part
390.410 Definitions 
390.411 Offering circular requirement 
390.412 Exemptions 
390.413 Non-public offering 
390.414 Filing and signature requirements 
390.415 Effective date 
390.416 Form, content, and accounting 
390.417 Use of the offering circular 
390.418 Escrow requirement 
390.419 Unsafe or unsound practices 
390.420 Withdrawal or abandonment 
390.421 Securities sale report 
390.422 Public disclosure and confidential treatment 
390.423 Waiver 
390.424 Requests for interpretive advice or waiver 
390.425 Delayed or continuous offering and sale of securities 
390.426 Sales of securities at an office of a State savings association 
390.427 Current and periodic reports 
390.428 Approval of the security 
390.429 Form for securities sale report 
390.430 Filing of copies of offering circulars in certain exempt offerings 

Subpart X—Appraisals

Subpart Y—Prompt Corrective Action

Subpart Z—Capital

Part
390.460 Scope 
390.461 Definitions 
390.462 Minimum regulatory capital requirement 
390.463 Individual minimum capital requirements 
390.464 Capital directives 
390.465 Components of capital 
390.466 Risk-based capital credit risk-weight categories 
390.467 Leverage ratio 
390.468 Tangible capital requirement 
390.469 Consequences of failure to meet capital requirements 
390.470 Reservation of authority 
390.471 Purchased credit card relationships, servicing assets, intangible assets (other than purchased credit card relationships and servicing assets), credit- enhancing interest-only strips, and deferred tax assets 
Appendix A to Subpart Z of Part 390—Risk-Based Capital Requirements—Internal-Ratings-Based and Advanced Measurement Approaches
391 Former Office of Thrift Supervision Regulations

Subpart A—Security Procedures

Subpart B—Safety and Soundness Guidelines and Compliance Procedures

Subpart C—Fair Credit Reporting

Subpart D-Loans in Areas Having Special Flood Hazards

Subpart E—Acquisition of Control of State Savings Associations


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Last updated February 28, 2014 regs@fdic.gov