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Each depositor insured to at least $250,000 per insured bank

FDIC Law, Regulations, Related Acts

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8000 - Miscellaneous Statutes and Regulations


TITLE 31—MONEY AND FINANCE

Subtitle IV—Money

Chapter 53—Monetary Transactions

Subchapter II—Records and Reports on Monetary Instruments Transactions


SEC. 5311 Declaration of purpose
SEC. 5312 Definitions and application
SEC. 5313 Reports on domestic coins and currency transactions
SEC. 5314 Records and reports on foreign financial agency transactions
SEC. 5315 Reports on foreign currency transactions
SEC. 5316 Reports on exporting and importing monetary instruments
SEC. 5317 Search and forfeiture of monetary instruments
SEC. 5318 Compliance and exemptions, and summons authority
SEC. 5318A Special measures for jurisdictions, financial institutions, international transactions or types of accounts of primary money laundering concern
SEC. 5319 Availability of reports
SEC. 5320 Injunctions
SEC. 5321 Civil penalties
SEC. 5322 Criminal penalties
SEC. 5323 Rewards for informants
SEC. 5324 Structuring transactions to evade reporting requirement prohibited
SEC. 5325 Identification required to purchase certain monetary instruments
SEC. 5326 Records of certain domestic coin and currency transactions
SEC. 5327 [Repealed]
SEC. 5328 Whistleblower protections
SEC. 5329 Staff commentaries
SEC. 5330 Registration of money transmitting businesses
SEC. 5331 Reports relating to coins and currency received in nonfinancial trade or business
SEC. 5332 Bulk cash smuggling into or out of the United States

CHAPTER X—FINANCIAL CRIMES ENFORCEMENT NETWORK,
DEPARTMENT OF THE TREASURY

The following highlights the changes in regulatory structure made as part of the transfer of FinCEN's regulations from 31 CFR Part 103 to 31 CFR Chapter X effective March 1, 2011. The parts not included in FDIC Laws, Regulations and Related Act are available at http://www.fincen.gov/statutes_regs/bsa/

PART 1010—GENERAL PROVISIONS

Subpart A—General Definitions

SEC. 1010.100 General Definitions 

Subpart B—Programs


SEC. 1010.200 General 
SEC. 1010.205 Exempted anti-money laundering programs for certain financial institutions 
SEC. 1010.210 Anti-money laundering programs 
SEC. 1010.220 Customer identification program requirements 

Subpart C—Reports Required To Be Made


SEC. 1010.300 General 
SEC. 1010.301 Determination by the Secretary 
SEC. 1010.305 [Reserved]
SEC. 1010.306 Filing of reports 
SEC. 1010.310 Reports of transactions in currency 
SEC. 1010.311 Filing obligations for reports of transactions in currency 
SEC. 1010.312 Identification required 
SEC. 1010.313 Aggregation 
SEC. 1010.314 Structured transactions 
SEC. 1010.315 Exemptions for non-bank financial institutions 
SEC. 1010.320 Reports of suspicious transactions 
SEC. 1010.330 Reports relating to currency in excess of $10,000 received in a trade or business 
SEC. 1010.331 Reports relating to currency in excess of $10,000 received as bail by court clerks 
SEC. 1010.340 Reports of transportation of currency or monetary instruments 
SEC. 1010.350 Reports of foreign financial accounts 
SEC. 1010.360 Reports of transactions with foreign financial agencies 
SEC. 1010.370 Reports of certain domestic coin and currency transactions 

Subpart D—Records Required To Be Maintained


SEC. 1010.400 General 
SEC. 1010.401 Determination by the Secretary 
SEC. 1010.405 [Reserved]
SEC. 1010.410 Records to be made and retained by financial institutions 
SEC. 1010.415 Purchases of bank checks and drafts, cashier's checks, money orders and traveler's checks 
SEC. 1010.420 Records to be made and retained by persons having financial interests in foreign financial accounts 
SEC. 1010.430 Nature of records and retention period 
SEC. 1010.440 Person outside the United States 

Subpart E—Special Information Sharing Procedures To Deter
Money Laundering and Terrorist Activity

SEC. 1010.500 General 
SEC. 1010.505 Definitions 
SEC. 1010.520 Information sharing between government agencies and financial institutions 
SEC. 1010.530 [Reserved]
SEC. 1010.540 Voluntary information sharing among financial institutions 

Subpart F—Special Standards of Diligence; Prohibitions; and Special Measures


SEC. 1010.600 General 

SPECIAL DUE DILIGENCE FOR CORRESPONDENT ACCOUNTS AND
PRIVATE BANKING ACCOUNTS


SEC. 1010.605 Definitions 
SEC. 1010.610 Due diligence programs for correspondent accounts for foreign financial institutions 
SEC. 1010.620 Due diligence programs for private banking accounts 
SEC. 1010.630 Prohibition on correspondent accounts for foreign shell banks; records concerning owners of foreign banks and agents for service of legal process 
SEC. 1010.640 [Reserved]

SPECIAL MEASURES UNDER SECTION 311 OF THE USA PATRIOT ACT AND LAW ENFORCEMENT ACCESS TO FOREIGN BANK RECORDS


SEC. 1010.651 Special measures against Burma 
SEC. 1010.653 Special measures against Commercial Bank of Syria 
SEC. 1010.654 Special measures against VEF Bank 
SEC. 1010.655 Special measures against Banco Delta Asia 
SEC. 1010.670 Summons or subpoena of foreign bank records; Termination of correspondent relationship 

Subpart G—Administrative Rulings

SEC. 1010.710 Scope 
SEC. 1010.711 Submitting requests 
SEC. 1010.712 Nonconforming requests 
SEC. 1010.713 Oral communications 
SEC. 1010.714 Withdrawing requests 
SEC. 1010.715 Issuing rulings 
SEC. 1010.716 Modifying or rescinding rulings 
SEC. 1010.717 Disclosing information 

Subpart H—Enforcement; Penalties; and Forfeiture

SEC. 1010.810 Enforcement 
SEC. 1010.820 Civil penalty 
SEC. 1010.830 Forfeiture of currency or monetary instruments 
SEC. 1010.840 Criminal penalty 
SEC. 1010.850 Enforcement authority with respect to transportation of currency or monetary instruments 

Subpart I—Summons

SEC. 1010.911 General 
SEC. 1010.912 Persons who may issue summons 
SEC. 1010.913 Contents of summons 
SEC. 1010.914 Service of summons 
SEC. 1010.915 Examination of witnesses and records 
SEC. 1010.916 Enforcement of summons 
SEC. 1010.917 Payment of expenses 

Subpart J—Miscellaneous

SEC. 1010.920 Access to records 
SEC. 1010.930 Rewards for informants 
SEC. 1010.940 Photographic or other reproductions of Government obligations 
SEC. 1010.950 Availability of information 
SEC. 1010.960 Disclosure 
SEC. 1010.970 Exceptions, exemptions, and reports 
SEC. 1010.980 Dollars as including foreign currency 

PART 1020—RULES FOR BANKS

Subpart A—Definitions

SEC. 1020.100 Definitions 

Subpart B—Programs


SEC. 1020.200 General 
SEC. 1020.210 Anti-money laundering program requirements for financial institutions regulated only by a Federal functional regulator, including banks, savings associations, and credit unions 
SEC. 1020.220 Customer Identification Programs for banks, savings associations, credit unions, and certain non-Federally regulated banks 

Subpart C—Reports Required To Be Made By Banks


SEC. 1020.300 General 
SEC. 1020.310 Reports of transactions in currency 
SEC. 1020.311 Filing obligations 
SEC. 1020.312 Identification required 
SEC. 1020.313 Aggregation 
SEC. 1020.314 Structured transactions 
SEC. 1020.315 Transactions of exempt persons 
SEC. 1020.320 Reports by banks of suspicious transactions 

Subpart D—Records Required To Be Maintained By Banks


SEC. 1020.400 General 
SEC. 1020.410 Records to be made and retained by banks 

Subpart E—Special Information Sharing Procedures To Deter
Money Laundering and Terrorist Activity

SEC. 1020.500 General 
SEC. 1020.520 Special information sharing procedures to deter money laundering and terrorist activity for banks 
SEC. 1020.530 [Reserved]
SEC. 1020.540 Voluntary information sharing among financial institutions 

Subpart F—Special Standards of Diligence; Prohibitions, and
Special Measures for Banks

SEC. 1020.600 General 
SEC. 1020.610 Due diligence programs for correspondent accounts for foreign financial institutions 
SEC. 1020.620 Due diligence programs for private banking accounts 
SEC. 1020.630 Prohibition on correspondent accounts for foreign shell banks; records concerning owners of foreign banks and agents for service of legal process 
SEC. 1020.640 [Reserved]
SEC. 1020.670 Summons or subpoena of foreign bank records; Termination of correspondent relationship 

PART 1023—RULES FOR BROKERS OR DEALERS IN SECURITIES

Subpart A—Definitions


SEC. 1023.100 Definitions 

Subpart B—Programs


SEC. 1023.200 General 
SEC. 1023.210 Anti-money laundering program requirements for brokers or dealers in securities 
SEC. 1023.220 Customer identification programs for broker-dealers 

Subpart C—Reports Required To Be Made By Brokers or Dealers in Securities


SEC. 1023.300 General 
SEC. 1023.310 Reports of transactions in currency 
SEC. 1023.311 Filing obligations 
SEC. 1023.312 Identification required 
SEC. 1023.313 Aggregation 
SEC. 1023.314 Structured transactions 
SEC. 1023.315 Exemptions 
SEC. 1023.320 Reports by brokers or dealers in securities of suspicious transactions 

Subpart D—Records Required To Be Maintained By Brokers or Dealers in Securities


SEC. 1023.400 General 
SEC. 1023.410 Additional records to be made and retained by brokers or dealers in securities 

Subpart E—Special Information Sharing Procedures To Deter
Money Laundering and Terrorist Activity

SEC. 1023.500 General 
SEC. 1023.520 Special information sharing procedures to deter money laundering and terrorist activity for brokers or dealers in securities 
SEC. 1023.530 [Reserved]
SEC. 1023.540 Voluntary information sharing among financial institutions 

Subpart F—Special Standards of Diligence; Prohibitions, and
Special Measures for Brokers or Dealers in Securities

SEC. 1023.600 General 
SEC. 1023.610 Due diligence programs for correspondent accounts for foreign financial institutions 
SEC. 1023.620 Due diligence programs for private banking accounts 
SEC. 1023.630 Prohibition on correspondent accounts for foreign shell banks; records concerning owners of foreign banks and agents for service of legal process 
SEC. 1023.640 [Reserved]
SEC. 1023.670 Summons or subpoena of foreign bank account records; Termination of correspondent relationship 

PART 1024—RULES FOR MUTUAL FUNDS

Subpart A—Definitions


SEC. 1024.100 Definitions 

Subpart B—Programs


SEC. 1024.200 General 
SEC. 1024.210 Anti-money laundering programs for mutual funds 
SEC. 1024.220 Customer identification programs for mutual funds 

Subpart C—Reports Required To Be Made By Mutual Funds


SEC. 1024.300 General 
SEC. 1024.310 Reports of transactions in currency 
SEC. 1024.311 Filing obligations 
SEC. 1024.312 Identification required 
SEC. 1024.313 Aggregation 
SEC. 1024.314 Structured transactions 
SEC. 1024.315 Exemptions 
SEC. 1024.320 Reports by mutual funds of suspicious transactions 

Subpart D—Records Required To Be Maintained By Mutual Funds


SEC. 1024.400 General 
SEC. 1024.410 Recordkeeping 

Subpart E—Special Information Sharing Procedures To Deter
Money Laundering and Terrorist Activity

SEC. 1024.500 General 
SEC. 1024.520 Special information sharing procedures to deter money laundering and terrorist activity for mutual funds 
SEC. 1024.530 [Reserved]
SEC. 1024.540 Voluntary information sharing among financial institutions 

Subpart F—Special Standards of Diligence; Prohibitions, and
Special Measures for Mutual Funds

SEC. 1024.600 General 
SEC. 1024.610 Due diligence programs for correspondent accounts for foreign financial institutions 
SEC. 1024.620 Due diligence programs for private banking accounts 
SEC. 1024.630 Prohibition on correspondent accounts for foreign shell banks; records concerning owners of foreign banks and agents for service of legal process 
SEC. 1024.640 [Reserved]
SEC. 1024.670 [Reserved]

PART 1028—RULES FOR OPERATORS OF CREDIT CARD SYSTEMS

Subpart A—Definitions


SEC. 1028.100 Definitions 

Subpart B—Programs


SEC. 1028.200 General 
SEC. 1028.210 Anti-money laundering programs for operators of credit card systems 

Subpart C—Reports Required To Be Made By Operators of Credit Card Systems


SEC. 1028.300 General 
SEC. 1028.310 [Reserved]
SEC. 1028.315 [Reserved]
SEC. 1028.320 [Reserved]
SEC. 1028.330 Reports relating to currency in excess of $10,000 received in a trade or business 

Subpart D—Records Required To Be Maintained By Operators of Credit Card Systems


SEC. 1028.400 General 
SEC. 1028.410 Recordkeeping 

Subpart E—Special Information Sharing Procedures To Deter
Money Laundering and Terrorist Activity

SEC. 1028.500 General 
SEC. 1028.520 Special information sharing procedures to deter money laundering and terrorist activity for operators of credit card systems 
SEC. 1028.530 [Reserved]
SEC. 1028.540 Voluntary information sharing among financial institutions 

Subpart F—Special Standards of Diligence; Prohibitions, and
Special Measures for Operators of Credit Card Systems

SEC. 1028.600 [Reserved]
SEC. 1028.610 [Reserved]
SEC. 1028.620 [Reserved]
SEC. 1028.630 [Reserved]
SEC. 1028.640 [Reserved]
SEC. 1028.670 [Reserved]

PART 1029—RULES FOR LOAN OR FINANCE COMPANIES

Subpart A—Definitions


SEC. 1029.100 Definitions 

Subpart B—Programs


SEC. 1029.200 General 
SEC. 1029.210 Anti-money laundering programs for loan or finance com panies 

Subpart C—Reports Required To Be Made By Loan or Finance Companies


SEC. 1029.300 General 
SEC. 1029.310 [Reserved]
SEC. 1029.315 [Reserved]
SEC. 1029.320 Reports by loan or finance companies of suspicious transactionsSEC. 1029.330 trade or Business

Subpart D—Records Required To Be Maintained By Loan or Finance Companies

SEC. 1029.400 General 

Subpart E—Special Information Sharing Procedures To Deter
Money Laundering and Terrorist Activity

SEC. 1029.500 General 
SEC. 1029.520 Special information sharing procedures to deter money laundering and terrorist activity for loan or finance companies 
SEC. 1029.530 [Reserved]
SEC. 1029.540 Voluntary information sharing among financial institutions 

Subpart F—Special Standards of Diligence; Prohibitions, and
Special Measures for Loan or Finance Companies

SEC. 1029.600 [Reserved]
SEC. 1029.610 [Reserved]
SEC. 1029.620 [Reserved]
SEC. 1029.630 [Reserved]
SEC. 1029.640 [Reserved]
SEC. 1029.670 [Reserved]

FEDERAL ELECTION CAMPAIGN ACT AMENDMENTS OF 1976

SEC. 1 Short title

Title 1—Amendments to Federal Election Campaign Act of 1971

CONTRIBUTIONS OR EXPENDITURES BY NATIONAL BANKS, CORPORATIONS, OR LABOR ORGANIZATIONS

SEC. 316  

DEPOSITORY INSTITUTIONS DEREGULATION AND MONETARY CONTROL ACT OF 1980


SEC. 1 Short title

Title I—Monetary Control Act of 1980


SEC. 101 Short title
SEC. 108 Effective dates

Title III—Consumer Checking Account Equity Act of 1980


SEC. 301 Short title
SEC. 306 Effective dates
SEC. 307 Repeal of existing law

Title IV—Powers of Thrift Institutions and Miscellaneous Provisions


SEC. 406 Study of mortgage portfolios

Title V—State Usury Laws


SEC. 501 Mortgages
SEC. 511 Business and agricultural loans
SEC. 512 Effective date of Part B
SEC. 525 Effective date

Title VI—Truth in Lending Simplification


SEC. 601 Short title
SEC. 625 Effective date

Title IX—Foreign Control of United States Financial Institutions


SEC. 901 Definitions
SEC. 902 Moratorium

FEDERAL DEPOSIT INSURANCE CORPORATION IMPROVEMENT ACT OF 1991


SEC. 1. Short Title

Title I—Safety and Soundness

Subtitle B—Supervisory Reforms


SEC. 111. Improved Examinations
(c) Transition rule
(d) Examination improvement program

Subtitle C—Accounting Reforms


SEC. 122. Small Business and Small Farm Loan Information
(a) In general
(b) Credit availability
(d) Contents

Subtitle E—Least Cost Resolution


SEC. 143. Early Resolution
(a) In general
(b) General principles
(c) Report

Title II—Regulatory Improvement

Subtitle A—Regulation of Foreign Banks


SEC. 201. Short title
SEC. 215. Study and Report on Subsidiary Requirements for Foreign Banks
(a) In general
(b) Report required

Subtitle B—Customer and Consumer Provisions


SEC. 221. Study on Regulatory Burden
(a) In general
(b) Report
(c) Definitions

Subtitle C—Bank Enterprise Act


SEC. 231. Short Title
SEC. 232. Reduced Assessment Rate for Deposits Attributable to Lifeline Accounts
(a) Qualification of lifeline accounts by Federal Reserve Board
SEC. 233. Assessment Credits for Qualifying Activities Relating to Distressed Communities
(a) Determination of credits for increases in community enterprise activities
(b) Qualified distressed community defined
(d) Community Enterprise Assessment Credit Board
(e) Duties of the board
(f) Availability of funds
(g) Prohibition on double funding for same activities
(h) Priority of awards
(i) Determination of amount of assessment credit
(j) Definitions
SEC. 234. Community Development Organizations
(a) Community development organizations described
(b) Community development bank requirements
(c) Community development corporation requirements
(d) Adequate dispersal requirement
(e) Definitions

Title III—Regulatory Improvement

Subtitle A—Activities


SEC. 305. Improving Capital Standards
(b) Review of risk-based capital standards
(m) Regulations
(n) Existing transactions not affected
(o) Reporting of credit by executive officers and directors

Subtitle B—Coverage


SEC. 311. Deposit and pass-through insurance
(b) Insurance of deposits
(d) Informational study

Subtitle C—Demonstration Project and Studies


SEC. 321. Feasibility Study on Authorizing Insured and Uninsured Deposit Accounts
(a) Study required
(b) Factors to consider
(c) Report
SEC. 322. Private Reinsurance Study
(a) Study
(b) Report

Title IV—Miscellaneous Provisions

Subtitle A—Payment System Risk Reduction


SEC. 401. Findings and Purpose
SEC. 402. Definitions
SEC. 403. Bilateral Netting
(a) General rule
(b) Limitation on obligation to make payment
(c) Limitation on right to receive payment
(d) Payment of net entitlement of failed financial institution
(e) Effectiveness notwithstanding status as financial institution
(f) Enforceability of security agreements 
SEC. 404. Clearing Organization Netting
(a) General netting rule
(b) Limitation of obligation to make payment
(c) Limitation on right to receive payment
(d) Entitlement of failed members
(e) Obligations of failed members
(f) Limitation on claims for entitlement
(g) Effectiveness notwithstanding status as member
(h) Enforceability of security agreements
SEC. 405. Preemption
SEC. 406. Relationship to Other Payments Systems
SEC. 407. Treatment of contracts with uninsured National Banks, uninsured Federal Branches and Agencies, certain uninsured State Member Banks, and Edge Act Corporations
SEC. 407A. National Emergencies
SEC. 408. Definitions
SEC. 409. Multilateral Clearing Organizations

Subtitle D—Miscellaneous Committees, Studies and Reports


SEC. 421. Amendments Relating to Federal Reserve Board Reserve Requirements
(a) Study on payment of imputed earnings on sterile reserves to insurance funds
(b) Report to Congress
(c) Report of dissenting views

Subtitle F—Emergency Assistance for Rhode Island


SEC. 431. Emergency Loan Guarantee
(a) In general
(b) Appropriation of amounts

Subtitle I—Bank and Thrift Employee Provisions


SEC. 451. Continuation of Health Plan Coverage in Cases of Failed Institutions
(a) Continuation coverage
(b) Definitions
(c) No premium costs imposed on FDIC
(d) Effective date

Subtitle J—Sense of the Congress Regarding the Credit Crisis


SEC. 456. Credit Crunch
(a) Findings
(b) Sense of the Congress

Subtitle M—Other Miscellaneous Provisions


SEC. 477. [Repealed]
SEC. 478. Special Insured Deposits

Subtitle N—Severability


SEC. 481. Severability

FEDERAL TRADE COMMISSION ACT


SEC. 5 Unfair methods of competition unlawful; prevention by Commission—Declaration of unlawfulness; power to prohibit unfair practices
SEC. 18 Rulemaking

FINANCIAL INSTITUTIONS REFORM, RECOVERY AND ENFORCEMENT ACT OF 1989

TITLE IX—REGULATORY ENFORCEMENT AUTHORITY AND CRIMINAL ENHANCEMENTS


SEC. 951 Civil penalties

TITLE XI—REAL ESTATE APPRAISAL REFORM AMENDMENTS


SEC. 1103 Functions of appraisal subcommittee
SEC. 1104 Chairperson of appraisal subcommittee; term of chairperson; meetings
SEC. 1105 Officers and staff
SEC. 1106 Powers of appraisal subcommittee
SEC. 1107 Procedures for establishing appraisal standards and requiring the use of certified and licensed appraisers
SEC. 1108 Startup funding
SEC. 1109 Roster of state certified or licensed appraisers
SEC. 1110 Functions of the federal financial institutions regulatory agencies relating to appraisal standards
SEC. 1111 Time for proposal and adoption of standards
SEC. 1112 Functions of the federal financial institutions regulatory agencies relating to appraiser qualifications
SEC. 1113 Transactions requiring the services of a state certified appraiser
SEC. 1114 Transactions requiring the services of a state licensed appraiser
SEC. 1115 Time for proposal and adoption of rules
SEC. 1116 Certification and licensing requirements
SEC. 1117 Establishment of state appraiser certifying and licensing agencies
SEC. 1118 Monitoring of state appraiser certifying and licensing agencies
SEC. 1119 Recognition of state certified and licensed appraisers for purposes of this title
SEC. 1120 Violations in obtaining and performing appraisals in federally related transactions
SEC. 1121 Definitions
SEC. 1122 Miscellaneous provisions
SEC. 1123 Emergency exceptions for disaster areas
SEC. 1124 Appraisal management company minimum requirements
SEC. 1125 Automated valuation models used to estimate collateral value for mortgage lending purposes
SEC. 1126 Broker price opinions

TITLE XII—MISCELLANEOUS PROVISIONS


SEC. 1206 Comparability in compensation schedules
SEC. 1213 Comptroller general audit and access to records
SEC. 1216 Equal opportunity

PART 1101—DESCRIPTION OF OFFICE, PROCEDURES, PUBLIC INFORMATION


SEC. 1101.1 Scope and purpose
SEC. 1101.2 Authority and functions
SEC. 1101.3 Organization and methods of operation
SEC. 1101.4 Disclosure of information, policies, and records
SEC. 1101.5 Testimony and production of documents in response to subpoena, order, etc


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