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Title 12 — Banks and Banking

1 Investment Securities
10 Municipal Securities Dealers
11 Securities Exchange Act Disclosure Rules
12 Recordkeeping And Confirmation Requirements For Securities Transactions
100 Rules Applicable To Savings Associations
101 Covered Savings Associations
128 Nondiscrimination Requirements
1000 Part 1000 [Reserved]
1001 Financial Products Or Services
1002 Equal Credit Opportunity Act (Regulation B)
1003 Home Mortgage Disclosure (Regulation C)
1004 Alternative Mortgage Transaction Parity (Regulation D)
1005 Electronic Fund Transfers (Regulation E)
1006 Debt Collection Practices (Regulation F)
1007 S.A.F.E. Mortgage Licensing Act—Federal Registration Of Residential Mortgage Loan Originators (Regulation G)
1008 S.A.F.E. Mortgage Licensing Act—State Compliance And Bureau Registration System (Regulation H)
1009 Disclosure Requirements For Depository Institutions Lacking Federal Deposit Insurance (Regulation I)
1010 Land Registration (Regulation J)
1011 Purchasers' Revocation Rights, Sales Practices And Standards (Regulation K)
1012 Special Rules Of Practice (Regulation L)
1013 Consumer Leasing (Regulation M)
1014 Mortgage Acts And Practices—Advertising (Regulation N)
1015 Mortgage Assistance Relief Services (Regulation O)
1016 Privacy Of Consumer Financial Information (Regulation P)
1022 Fair Credit Reporting (Regulation V)
102-127 127 [Reserved]
1024 Real Estate Settlement Procedures Act (Regulation X)
1025 Part 1025 [Reserved]
1026 Truth In Lending (Regulation Z)
1030 Truth In Savings (Regulation Dd)
1033 Personal Financial Data Rights
1041 Payday, Vehicle Title, And Certain High-Cost Installment Loans
1070 Disclosure Of Records And Information
1071 Rule Implementing Equal Access To Justice Act
1072 Enforcement Of Nondiscrimination On The Basis Of Disability In Programs And Activities Conducted By The Bureau Of Consumer Financial Protection
1073 Procedures For Bureau Debt Collection
1074 Rulemaking And Guidance
1075 Consumer Financial Civil Penalty Fund Rule
1076 Claims Against The United States
1080 Rules Relating To Investigations
1081 Rules Of Practice For Adjudication Proceedings
1082 State Official Notification Rules
1083 Civil Penalty Adjustments
1090 Defining Larger Participants Of Certain Consumer Financial Product And Service Markets
1091 Procedures For Supervisory Designation Proceedings
1100 Part 1100 [Reserved]
1092-1099 1099 [Reserved]
1101 Description Of Office, Procedures, Public Information
1102 Appraiser Regulation
1103-1199 1199 [Reserved]
1200 Organization And Functions
1201 General Definitions Applying To All Federal Housing Finance Agency Regulations
1202 Freedom Of Information Act
1203 Equal Access To Justice Act
1204 Privacy Act Implementation
1206 Assessments
1207 Minority And Women Outreach Program
1208 Debt Collection
1209 Rules Of Practice And Procedure
1211 Procedures
1212 Post-Employment Restriction For Senior Examiners
1213 Office Of The Ombudsman
1214 Availability Of Non-Public Information
1215 Production Of Fhfa Records, Information, And Employee Testimony In Third-Party Legal Proceedings
1217 Program Fraud Civil Remedies Act
1221 Margin And Capital Requirements For Covered Swap Entities
1222 Appraisals
1223 Minority And Women Inclusion
1225 Minimum Capital—Temporary Increase
1227 Suspended Counterparty Program
1228 Restrictions On The Acquisition Of, Or Taking Security Interests In, Mortgages On Properties Encumbered By Certain Private Transfer Fee Covenants And Related Securities
1229 Capital Classifications And Prompt Corrective Action
1230 Executive Compensation
1231 Golden Parachute And Indemnification Payments
1233 Reporting Of Fraudulent Financial Instruments
1234 Credit Risk Retention
1235 Record Retention For Regulated Entities And Office Of Finance
1236 Prudential Management And Operations Standards
1237 Conservatorship And Receivership
1238 Stress Testing Of Regulated Entities
1239 Responsibilities Of Boards Of Directors, Corporate Practices, And Corporate Governance
1240 Capital Adequacy Of Enterprises
1242 Resolution Planning
1248 Uniform Mortgage-Backed Securities
1249 Book-Entry Procedures
1250 Flood Insurance
1251 Contributions To The Housing Trust And Capital Magnet Funds
1252 Portfolio Holdings
1253 Prior Approval For Enterprise Products
1254 Validation And Approval Of Credit Score Models
1260 Sharing Of Information Among Federal Home Loan Banks
1261 Federal Home Loan Bank Directors
1263 Members Of The Banks
1264 Federal Home Loan Bank Housing Associates
1265 Core Mission Activities
1266 Advances
1267 Federal Home Loan Bank Investments
1268 Acquired Member Assets
1269 Standby Letters Of Credit
1270 Liabilities
1271 Miscellaneous Federal Home Loan Bank Operations And Authorities
1272 New Business Activities
1273 Office Of Finance
1274 Financial Statements Of The Banks
1277 Federal Home Loan Bank Capital Requirements, Capital Stock And Capital Plans
1278 Voluntary Mergers Of Federal Home Loan Banks
1281 Federal Home Loan Bank Housing Goals
1282 Enterprise Housing Goals And Mission
129-140 140 [Reserved]
13 Government Securities Sales Practices
1293 Fair Lending Oversight And Equitable Housing Finance
1294-1299 1299 [Reserved]
14 Consumer Protection In Sales Of Insurance
15 Part 15 [Reserved]
16 Securities Offering Disclosure Rules
141 Definitions For Regulations Affecting Federal Savings Associations
155 Electronic Operations Of Federal Savings Associations
156 Part 156 [Reserved]
160 Lending And Investment
161 Definitions For Regulations Affecting All Savings Associations
162 Accounting And Disclosure Standards
168 Security Procedures
169 Proxies
1300 Part 1300 [Reserved]
1301 Freedom Of Information
1310 Authority To Require Supervision And Regulation Of Certain Nonbank Financial Companies
1320 Designation Of Financial Market Utilities
1321-1399 1399 [Reserved]
142 Part 142 [Reserved]
143 Federal Savings Associations—Grandfathered Authority
144 Federal Mutual Savings Associations—Communication Between Members
145 Federal Savings Associations—Operations
150 Fiduciary Powers Of Federal Savings Associations
151 Recordkeeping And Confirmation Requirements For Securities Transactions
163 Savings Associations—Operations
1400 Organization And Functions
1401 Employee Responsibilities And Conduct
1402 Releasing Information
1403 Privacy Act Regulations
1408 Collection Of Claims Owed The United States
1410 Premiums
1411 Rules Of Practice And Procedure
1412 Golden Parachute And Indemnification Payments
1413-1499 1499 [Reserved]
146-149 149 [Reserved]
1500 Merchant Banking Investments
1502-1503 1503 [Reserved]
157 Deposits
1501 Financial Subsidiaries
1505-1507 1507 [Reserved]
1510 Resolution Funding Corporation Operations
1512-1599 1599 [Reserved]
1511 Book-Entry Procedure
152-154 154 [Reserved]
158-159 159 [Reserved]
1600 Organization And Functions Of The Office Of Financial Research
1601-1609 1609 [Reserved]
1610 Regulatory Data Collections
1611-1699 1699 [Reserved]
165-166 166 [Reserved]
170-189 189 [Reserved]
1700-1709 1709 [Reserved]
1777 Prompt Corrective Action
1800-1804 1804 [Reserved]
1778-1799 1799 [Reserved]
2 Sales Of Credit Life Insurance
19 Rules Of Practice And Procedure
21 Minimum Security Devices And Procedures, Reports Of Suspicious Activities, And Bank Secrecy Act Compliance Program
22 Loans In Areas Having Special Flood Hazards
23 Leasing
24 Community And Economic Development Entities, Community Development Projects, And Other Public Welfare Investments
190 Preemption Of State Usury Laws
191 Preemption Of State Due-On-Sale Laws
192 Conversions From Mutual To Stock Form
200 Part 200 [Reserved]
201 Extensions Of Credit By Federal Reserve Banks (Regulation A)
202 Equal Credit Opportunity Act (Regulation B)
203 Part 203 [Reserved]
204 Reserve Requirements Of Depository Institutions (Regulation D)
205 Electronic Fund Transfers (Regulation E)
206 Limitations On Interbank Liabilities (Regulation F)
207 Disclosure And Reporting Of Cra-Related Agreements (Regulation G)
208 Membership Of State Banking Institutions In The Federal Reserve System (Regulation H)
209 Federal Reserve Bank Capital Stock (Regulation I)
210 Collection Of Checks And Other Items By Federal Reserve Banks And Funds Transfers Through The Fedwire Funds Service And The Fednow Service (Regulation J)
211 International Banking Operations (Regulation K)
212 Management Official Interlocks
213 Consumer Leasing (Regulation M)
214 Relations With Foreign Banks And Bankers (Regulation N)
215 Loans To Executive Officers, Directors, And Principal Shareholders Of Member Banks (Regulation O)
216 Part 216 [Reserved]
217 Capital Adequacy Of Bank Holding Companies, Savings And Loan Holding Companies, And State Member Banks (Regulation Q)
218 Exceptions For Banks From The Definition Of Broker In The Securities Exchange Act Of 1934 (Regulation R)
219 Reimbursement For Providing Financial Records; Recordkeeping Requirements For Certain Financial Records (Regulation S)
220 Credit By Brokers And Dealers (Regulation T)
221 Credit By Banks And Persons Other Than Brokers Or Dealers For The Purpose Of Purchasing Or Carrying Margin Stock (Regulation U)
222 Fair Credit Reporting (Regulation V)
223 Transactions Between Member Banks And Their Affiliates (Regulation W)
224 Borrowers Of Securities Credit (Regulation X)
226 Truth In Lending (Regulation Z)
228 Community Reinvestment
229 Availability Of Funds And Collection Of Checks (Regulation Cc)
230 Part 230 [Reserved]
231 Netting Eligibility For Financial Institution (Regulation Ee)
232 Obtaining And Using Medical Information In Connection With Credit (Regulation Ff)
233 Prohibition On Funding Of Unlawful Internet Gambling (Regulation Gg)
234 Designated Financial Market Utilities (Regulation Hh)
235 Debit Card Interchange Fees And Routing (Regulation Ii)
237 Swaps Margin And Swaps Push-Out (Regulation Kk)
238 Savings And Loan Holding Companies (Regulation Ll)
239 Mutual Holding Companies (Regulation Mm)
240 Retail Foreign Exchange Transactions (Regulation Nn)
241 Securities Holding Companies (Regulation Oo)
242 Definitions Relating To Title I Of The Dodd-Frank Act (Regulation Pp)
1290 Community Support Requirements
1291 Federal Home Loan Banks' Affordable Housing Program
1292 Community Investment Cash Advance Programs
1805 Community Development Financial Institutions Program
1806 Bank Enterprise Award Program
1807 Capital Magnet Fund
1808 Community Development Financial Institutions Bond Guarantee Program
1815 Environmental Quality
1816-1899 1899 [Reserved]
193-199 199 [Reserved]
3 Capital Adequacy Standards
25 Community Reinvestment Act And Interstate Deposit Production Regulations
26 Management Official Interlocks
28 International Banking Activities
29 Part 29 [Reserved]
30 Safety And Soundness Standards
225 Bank Holding Companies And Change In Bank Control (Regulation Y)
243 Resolution Plans (Regulation Qq)
244 Credit Risk Retention (Regulation Rr)
246 Supervision And Regulation Assessments Of Fees (Regulation Tt)
248 Proprietary Trading And Certain Interests In And Relationships With Covered Funds (Regulation Vv)
249 Liquidity Risk Measurement, Standards, And Monitoring (Regulation Ww)
250 Miscellaneous Interpretations
251 Concentration Limit (Regulation Xx)
252 Enhanced Prudential Standards (Regulation Yy)
253 Regulations Implementing The Adjustable Interest Rate (Libor) Act (Regulation Zz)
261 Rules Regarding Availability Of Information
261a Rules Regarding Access To Personal Information Under The Privacy Act 1974
261b Rules Regarding Public Observation Of Meetings
262 Rules Of Procedure
264 Employee Responsibilities And Conduct
264a Post-Employment Restrictions For Senior Examiners
263 Rules Of Practice For Hearings
265 Rules Regarding Delegation Of Authority
264b Rules Regarding Foreign Gifts And Decorations
27 Fair Housing Home Loan Data System
31 Extensions Of Credit To Insiders And Transactions With Affiliates
32 Lending Limits
266 Limitations On Activities Of Former Members And Employees Of The Board
267 Procedures For Debt Collection
268 Rules Regarding Equal Opportunity
269 Policy On Labor Relations For The Federal Reserve Banks
269b Charges Of Unfair Labor Practices
4 Organization And Functions, Availability And Release Of Information, Contracting Outreach Program, Post-Employment Restrictions For Senior Examiners
33 Part 33 [Reserved]
34 Real Estate Lending And Appraisals
35 Disclosure And Reporting Of Cra-Related Agreements
36 Part 36 [Reserved]
37 Debt Cancellation Contracts And Debt Suspension Agreements
270 Open Market Operations Of Federal Reserve Banks
271 Rules Regarding Availability Of Information
272 Rules Of Procedure
281 Statements Of Policy
290-299 299 [Reserved]
300-301 301 [Reserved]
302 Use Of Supervisory Guidance
303 Filing Procedures
269a Definitions
304 Forms, Instructions, And Reports
305-306 306 [Reserved]
307 Certification Of Assumption Of Deposits And Notification Of Changes Of Insured Status
308 Rules Of Practice And Procedure
309 Disclosure Of Information
310 Privacy Act Regulations
311 Rules Governing Public Observation Of Meetings Of The Corporation'S Board Of Directors
312 Part 312 [Reserved]
313 Procedures For Collection Of Corporate Debt, Criminal Restitution Debt, And Civil Money Penalty Debt
314 Indexing Of Specified Regulatory Thresholds
323 Appraisals
324 Capital Adequacy Of Fdic-Supervised Institutions
325 Stress Testing
326 Minimum Security Devices And Procedures And Bank Secrecy Act
327 Assessments
328 Fdic Official Signs, Advertisement Of Membership, False Advertising, Misrepresentation Of Insured Status, And Misuse Of The Fdic'S Name Or Logo
329 Liquidity Risk Measurement Standards
330 Deposit Insurance Coverage
331 Federal Interest Rate Authority
332 Privacy Of Consumer Financial Information
333 Extension Of Corporate Powers
334 Fair Credit Reporting
335 Securities Of State Nonmember Banks And State Savings Associations
336 Fdic Employees
337 Unsafe And Unsound Banking Practices
338 Fair Housing
339 Loans In Areas Having Special Flood Hazards
340 Restrictions On Sale Of Assets Of A Failed Institution By The Federal Deposit Insurance Corporation
341 Registration Of Securities Transfer Agents
342 Part 342 [Reserved]
343 Consumer Protection In Sales Of Insurance
344 Recordkeeping And Confirmation Requirements For Securities Transactions
345 Community Reinvestment
346 Disclosure And Reporting Of Cra-Related Agreements
347 International Banking
348 Management Official Interlocks
349 Derivatives
350 Part 350 [Reserved]
351 Proprietary Trading And Certain Interests In And Relationships With Covered Funds
352 Nondiscrimination On The Basis Of Disability
353 Suspicious Activity Reports
354 Industrial Banks
357 Determination Of Economically Depressed Regions
359 Golden Parachute And Indemnification Payments
360 Resolution And Receivership Rules
361 Minority And Women Outreach Program Contracting
362 Activities Of Insured State Banks And Insured Savings Associations
363 Annual Independent Audits And Reporting Requirements
364 Standards For Safety And Soundness
365 Real Estate Lending Standards
366 Minimum Standards Of Integrity And Fitness For An Fdic Contractor
367 Suspension And Exclusion Of Contractor And Termination Of Contracts
368 Government Securities Sales Practices
369 Prohibition Against Use Of Interstate Branches Primarily For Deposit Production
370 Recordkeeping For Timely Deposit Insurance Determination
371 Recordkeeping Requirements For Qualified Financial Contracts
373 Credit Risk Retention
380 Orderly Liquidation Authority
381 Resolution Plans
38-40 40 [Reserved]
382 Restrictions On Qualified Financial Contracts
390 Regulations Transferred From The Office Of Thrift Supervision
391-399 399 [Reserved]
5 Rules, Policies, And Procedures For Corporate Activities
6 Prompt Corrective Action
7 Activities And Operations
8 Assessment Of Fees
9 Fiduciary Activities Of National Banks
41 Fair Credit Reporting
42 Part 42 [Reserved]
43 Credit Risk Retention
44 Proprietary Trading And Certain Interests In And Relationships With Covered Funds
45 Margin And Capital Requirements For Covered Swap Entities
46 Stress Testing
47 Mandatory Contractual Stay Requirements For Qualified Financial Contracts
48 Retail Foreign Exchange Transactions
49 Part 49 [Reserved]
50 Liquidity Risk Measurement Standards
51 Receiverships For Uninsured National Banks
52 Regulatory Reporting
53 Computer-Security Incident Notification
400 Employee Financial Disclosure And Ethical Conduct Standards Regulations
403 Classification, Declassification, And Safeguarding Of National Security Information
404 Information Disclosure
405 Part 405 [Reserved]
407 Regulations Governing Public Observation Of Eximbank Meetings
408 Procedures For Compliance With The National Environmental Policy Act
410 Enforcement Of Nondiscrimination On The Basis Of Handicap In Programs Or Activities Conducted By Export-Import Bank Of The United States
411 New Restrictions On Lobbying
412 Acceptance Of Payment From A Non-Federal Source For Travel Expenses
414 Conference And Other Fees
415-499 499 [Reserved]
54-99 99 [Reserved]
600 Organization And Functions
601 Employee Responsibilities And Conduct
602 Releasing Information
603 Privacy Act Regulations
604 Farm Credit Administration Board Meetings
605 Information
606 Enforcement Of Nondiscrimination On The Basis Of Handicap In Programs Or Activities Conducted By The Farm Credit Administration
607 Assessment And Apportionment Of Administrative Expenses
608 Collection Of Claims Owed The United States
609 Cyber Risk Management
610 Registration Of Mortgage Loan Originators
611 Organization
612 Standards Of Conduct And Referral Of Known Or Suspected Criminal Violations
613 Eligibility And Scope Of Financing
614 Loan Policies And Operations
615 Funding And Fiscal Affairs, Loan Policies And Operations, And Funding Operations
616 Leasing
617 Borrower Rights
618 General Provisions
619 Definitions
620 Disclosure To Shareholders
621 Accounting And Reporting Requirements
622 Rules Of Practice And Procedure
623 Practice Before The Farm Credit Administration
624 Margin And Capital Requirements For Covered Swap Entities
625 Application For Award Of Fees And Other Expenses Under The Equal Access To Justice Act
626 Nondiscrimination In Lending
627 Title Iv Conservators, Receivers, Bridge System Banks, And Voluntary Liquidations
628 Capital Adequacy Of System Institutions
630 Disclosure To Investors In Systemwide And Consolidated Bank Debt Obligations Of The Farm Credit System
650 Federal Agricultural Mortgage Corporation General Provisions
651 Federal Agricultural Mortgage Corporation Governance
652 Federal Agricultural Mortgage Corporation Funding And Fiscal Affairs
653 Federal Agricultural Mortgage Corporation Risk Management
654 Part 654 [Reserved]
655 Federal Agricultural Mortgage Corporation Disclosure And Reporting Requirements
700 Definitions
656-699 699 [Reserved]
701 Organization And Operation Of Federal Credit Unions
702 Capital Adequacy
703 Investment And Deposit Activities
704 Corporate Credit Unions
705 Community Development Revolving Loan Fund Access For Credit Unions
706 Part 706 [Reserved]
707 Truth In Savings
708a Bank Conversions And Mergers
708b Mergers Of Insured Credit Unions Into Other Credit Unions; Voluntary Termination Or Conversion Of Insured Status
709 Involuntary Liquidation Of Federal Credit Unions And Adjudication Of Creditor Claims Involving Federally Insured Credit Unions In Liquidation
710 Voluntary Liquidation
711 Management Official Interlocks
712 Credit Union Service Organizations (Cusos)
713 Fidelity Bond And Insurance Coverage For Federally Insured Credit Unions
714 Leasing
715 Supervisory Committee Audits And Verifications
716 Privacy Of Consumer Financial Information
717 Fair Credit Reporting
721 Incidental Powers
722 Appraisals
723 Member Business Loans; Commercial Lending
724 Trustees And Custodians Of Certain Tax-Advantaged Savings Plans
725 National Credit Union Administration Central Liquidity Facility
740 Accuracy Of Advertising And Notice Of Insured Status
741 Requirements For Insurance
745 Share Insurance And Appendix
746 Appeals Procedures
747 Administrative Actions, Adjudicative Hearings, Rules Of Practice And Procedure, And Investigations
748 Security Program, Suspicious Transactions, Catastrophic Acts, Cyber Incidents, And Bank Secrecy Act Compliance
749 Records Preservation Program And Appendices—Record Retention Guidelines; Catastrophic Act Preparedness Guidelines
750 Golden Parachute And Indemnification Payments
752 Consent To Service Of Persons Convicted Of, Or Who Have Program Entries For, Certain Criminal Offenses
760 Loans In Areas Having Special Flood Hazards
761 Registration Of Residential Mortgage Loan Originators
790 Description Of Ncua; Requests For Agency Action
791 Rules Of Ncua Board Procedure; Promulgation Of Ncua Rules And Regulations; Public Observation Of Ncua Board Meetings
792 Requests For Information Under The Freedom Of Information Act And Privacy Act, And By Subpoena; Security Procedures For Classified Information
793 Tort Claims Against The Government
794 Enforcement Of Nondiscrimination On The Basis Of Handicap In Programs Or Activities Conducted By The National Credit Union Administration
796 Post-Employment Restrictions For Certain Ncua Examiners
797 Procedures For Debt Collection
800-899 899 [Reserved]
798-799 799 [Reserved]

Title 12 · Federal Reserve, OCC, FDIC

306 [Reserved]

12 C.F.R. Part 305-306 · Updated January 1, 2026

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Source: eCFR Title 12 Part 305-306 . Updated January 1, 2026.