80 FR 71681 - Reserve Requirements of Depository Institutions
FEDERAL RESERVE SYSTEM Federal Register Volume 80, Issue 221 (November 17, 2015)
Federal Register Volume 80, Issue 221 (November 17, 2015)
| Page Range | 71681-71684 | |
| FR Document | 2015-29336 |
[Federal Register Volume 80, Number 221 (Tuesday, November 17, 2015)] [Rules and Regulations] [Pages 71681-71684] From the Federal Register Online [www.thefederalregister.org] [FR Doc No: 2015-29336] ======================================================================= ----------------------------------------------------------------------- FEDERAL RESERVE SYSTEM 12 CFR Part 204 [Regulation D; Docket No. R-1524] RIN 7100 AE-38 Reserve Requirements of Depository Institutions AGENCY: Board of Governors of the Federal Reserve System. ACTION: Final rule. ----------------------------------------------------------------------- SUMMARY: The Board is amending Regulation D, Reserve Requirements of Depository Institutions, to reflect the annual indexing of the reserve requirement exemption amount and the low reserve tranche for 2016. The Regulation D amendments set the amount of total reservable liabilities of each depository institution that is subject to a zero percent reserve [[Page 71682]] requirement in 2016 at $15.2 million (from $14.5 million in 2015). This amount is known as the reserve requirement exemption amount. The Regulation D amendments also set the amount of net transaction accounts at each depository institution (over the reserve requirement exemption amount) that is subject to a three percent reserve requirement in 2016 at $110.2 million (from $103.6 million in 2015). This amount is known as the low reserve tranche. The adjustments to both of these amounts are derived using statutory formulas specified in the Federal Reserve Act. The Board is also announcing changes in two other amounts, the nonexempt deposit cutoff level and the reduced reporting limit, that are used to determine the frequency at which depository institutions must submit deposit reports. DATES: Effective date: December 17, 2015. Compliance dates: The new low reserve tranche and reserve requirement exemption amount will apply to the fourteen-day reserve maintenance period that begins January 21, 2016. For depository institutions that report deposit data weekly, this maintenance period corresponds to the fourteen-day computation period that begins December 22, 2015. For depository institutions that report deposit data quarterly, this maintenance period corresponds to the seven-day computation period that begins December 15, 2015. The new values of the nonexempt deposit cutoff level, the reserve requirement exemption amount, and the reduced reporting limit will be used to determine the frequency at which a depository institution submits deposit reports effective in either June or September 2016. FOR FURTHER INFORMATION CONTACT: Clinton N. Chen, Attorney (202/452- 3952), Legal Division, or Ezra A. Kidane, Financial Analyst (202/973- 6161), Division of Monetary Affairs; for users of Telecommunications Device for the Deaf (TDD) only, contact (202/263-4869); Board of Governors of the Federal Reserve System, 20th and C Streets NW., Washington, DC 20551. SUPPLEMENTARY INFORMATION: Section 19(b)(2) of the Federal Reserve Act (12 U.S.C. 461(b)(2)) requires each depository institution to maintain reserves against its transaction accounts and nonpersonal time deposits, as prescribed by Board regulations, for the purpose of implementing monetary policy. Section 11(a)(2) of the Federal Reserve Act (12 U.S.C. 248(a)(2)) authorizes the Board to require reports of liabilities and assets from depository institutions to enable the Board to conduct monetary policy. The Board's actions with respect to each of these provisions are discussed in turn below. 1. Reserve Requirements Pursuant to section 19(b) of the Federal Reserve Act (Act), transaction account balances maintained at each depository institution are subject to reserve requirement ratios of zero, three, or ten percent. Section 19(b)(11)(A) of the Act (12 U.S.C. 461(b)(11)(A)) provides that a zero percent reserve requirement shall apply at each depository institution to total reservable liabilities that do not exceed a certain amount, known as the reserve requirement exemption amount. Section 19(b)(11)(B) provides that, before December 31 of each year, the Board shall issue a regulation adjusting the reserve requirement exemption amount for the next calendar year if total reservable liabilities held at all depository institutions increase from one year to the next. No adjustment is made to the reserve requirement exemption amount if total reservable liabilities held at all depository institutions should decrease during the applicable time period. The Act requires the percentage increase in the reserve requirement exemption amount to be 80 percent of the increase in total reservable liabilities of all depository institutions over the one-year period that ends on the June 30 prior to the adjustment. Total reservable liabilities of all depository institutions increased by 6.4 percent, from $7,026 billion to $7,476 billion between June 30, 2014, and June 30, 2015. Accordingly, the Board is amending Regulation D to set the reserve requirement exemption amount for 2016 at $15.2 million, an increase of $0.7 million from its level in 2015.\1\ --------------------------------------------------------------------------- \1\ Consistent with Board practice, the low reserve tranche and reserve requirement exemption amounts have been rounded to the nearest $0.1 million. --------------------------------------------------------------------------- Pursuant to Section 19(b)(2) of the Act (12 U.S.C. 461(b)(2)), transaction account balances maintained at each depository institution over the reserve requirement exemption amount and up to a certain amount, known as the low reserve tranche, are subject to a three percent reserve requirement. Transaction account balances over the low reserve tranche are subject to a ten percent reserve requirement. Section 19(b)(2) also provides that, before December 31 of each year, the Board shall issue a regulation adjusting the low reserve tranche for the next calendar year. The Act requires the adjustment in the low reserve tranche to be 80 percent of the percentage increase or decrease in total transaction accounts of all depository institutions over the one-year period that ends on the June 30 prior to the adjustment. Net transaction accounts of all depository institutions increased 8.0 percent, from $1,904 billion to $2,056 billion between June 30, 2014 and June 30, 2015. Accordingly, the Board is amending Regulation D to increase the low reserve tranche for net transaction accounts by $6.6 million, from $103.6 million for 2015 to $110.2 million for 2016. The new low reserve tranche and reserve requirement exemption amount will be effective for all depository institutions for the fourteen-day reserve maintenance period beginning Thursday, January 21, 2016. For depository institutions that report deposit data weekly, this maintenance period corresponds to the fourteen-day computation period that begins December 22, 2015. For depository institutions that report deposit data quarterly, this maintenance period corresponds to the seven-day computation period that begins December 15, 2015. 2. Deposit Reports Section 11(b)(2) of the Federal Reserve Act authorizes the Board to require depository institutions to file reports of their liabilities and assets as the Board may determine to be necessary or desirable to enable it to discharge its responsibility to monitor and control the monetary and credit aggregates. The Board screens depository institutions each year and assigns them to one of four deposit reporting panels (weekly reporters, quarterly reporters, annual reporters, or nonreporters). The panel assignment for annual reporters is effective in June of the screening year; the panel assignment for weekly and quarterly reporters is effective in September of the screening year. In order to ease reporting burden, the Board permits smaller depository institutions to submit deposit reports less frequently than larger depository institutions. The Board permits depository institutions with net transaction accounts above the reserve requirement exemption amount but total transaction accounts, savings deposits, and small time deposits below a specified level (the ``nonexempt deposit cutoff'') to report deposit data quarterly. Depository institutions with net transaction accounts above the reserve requirement exemption amount and [[Page 71683]] with total transaction accounts, savings deposits, and small time deposits greater than or equal to the nonexempt deposit cutoff are required to report deposit data weekly. The Board requires certain large depository institutions to report weekly regardless of the level of their net transaction accounts if the depository institution's total transaction accounts, savings deposits, and small time deposits exceeds or is equal to a specified level (the ``reduced reporting limit''). The nonexempt deposit cutoff level and the reduced reporting limit are adjusted annually, by an amount equal to 80 percent of the increase, if any, in total transaction accounts, savings deposits, and small time deposits of all depository institutions over the one-year period that ends on the June 30 prior to the adjustment. From June 30, 2014 to June 30, 2015, total transaction accounts, savings deposits, and small time deposits at all depository institutions increased 5.3 percent, from $10,256 billion to $10,798 billion. Accordingly, the Board is increasing the nonexempt deposit cutoff level by $16.9 million to $416.9 million in 2016 (from $400.0 million for 2015). The Board is also increasing the reduced reporting limit by $77 million to $1.901 billion for 2016 (from $1.824 billion in 2015).\2\ --------------------------------------------------------------------------- \2\ Consistent with Board practice, the nonexempt deposit cutoff level has been rounded to the nearest $0.1 million, and the reduced reporting limit has been rounded to the nearest $1 million. --------------------------------------------------------------------------- Beginning in 2016, the boundaries of the four deposit reporting panels will be defined as follows. Those depository institutions with net transaction accounts over $15.2 million (the reserve requirement exemption amount) or with total transaction accounts, savings deposits, and small time deposits greater than or equal to $1.901 billion (the reduced reporting limit) are subject to detailed reporting, and must file a Report of Transaction Accounts, Other Deposits and Vault Cash (FR 2900 report) either weekly or quarterly. Of this group, those with total transaction accounts, savings deposits, and small time deposits greater than or equal to $416.9 million (the nonexempt deposit cutoff level) are required to file the FR 2900 report each week, while those with total transaction accounts, savings deposits, and small time deposits less than $416.9 million are required to file the FR 2900 report each quarter. Those depository institutions with net transaction accounts less than or equal to $15.2 million (the reserve requirement exemption amount) and with total transaction accounts, savings deposits, and small time deposits less than $1.901 billion (the reduced reporting limit) are eligible for reduced reporting, and must either file a deposit report annually or not at all. Of this group, those with total deposits greater than $15.2 million (but with total transaction accounts, savings deposits, and small time deposits less than $1.901 billion) are required to file the Annual Report of Deposits and Reservable Liabilities (FR 2910a) report annually, while those with total deposits less than or equal to $15.2 million are not required to file a deposit report. A depository institution that adjusts reported values on its FR 2910a report in order to qualify for reduced reporting will be shifted to an FR 2900 reporting panel. 3. Notice and Regulatory Flexibility Act The provisions of 5 U.S.C. 553(b) relating to notice of proposed rulemaking have not been followed in connection with the adoption of these amendments. The amendments involve expected, ministerial adjustments prescribed by statute and by the Board's policy concerning reporting practices. The adjustments in the reserve requirement exemption amount, the low reserve tranche, the nonexempt deposit cutoff level, and the reduced reporting limit serve to reduce regulatory burdens on depository institutions. Accordingly, the Board finds good cause for determining, and so determines, that notice in accordance with 5 U.S.C. 553(b) is unnecessary. Consequently, the provisions of the Regulatory Flexibility Act, 5 U.S.C. 601, do not apply to these amendments. List of Subjects in 12 CFR Part 204 Banks, Banking, Reporting and recordkeeping requirements. For the reasons set forth in the preamble, the Board is amending 12 CFR part 204 as follows: PART 204--RESERVE REQUIREMENTS OF DEPOSITORY INSTITUTIONS (REGULATION D) 0 1. The authority citation for part 204 continues to read as follows: Authority: 12 U.S.C. 248(a), 248(c), 371a, 461, 601, 611, and 3105. 0 2. In Sec. 204.4, paragraph (f) is revised to read as follows: Sec. 204.4 Computation of required reserves. * * * * * (f) For all depository institutions, Edge and Agreement corporations, and United States branches and agencies of foreign banks, required reserves are computed by applying the reserve requirement ratios below to net transaction accounts, nonpersonal time deposits, and Eurocurrency liabilities of the institution during the computation period. ------------------------------------------------------------------------ Reservable liability Reserve requirement ------------------------------------------------------------------------ Net Transaction Accounts: $0 to reserve requirement exemption 0 percent of amount. amount ($15.2 million). Over reserve requirement exemption 3 percent of amount. amount ($15.2 million) and up to low reserve tranche ($110.2 million). Over low reserve tranche ($110.2 $2,850,000 plus 10 percent of million). amount over $110.2 million. Nonpersonal time deposits.............. 0 percent. Eurocurrency liabilities............... 0 percent. ------------------------------------------------------------------------ [[Page 71684]] By order of the Board of Governors of the Federal Reserve System, acting through the Director of the Division of Monetary Affairs under delegated authority, November 12, 2015. Robert deV. Frierson, Secretary of the Board. [FR Doc. 2015-29336 Filed 11-16-15; 8:45 am] BILLING CODE 6210-01-P
![71681
Rules and Regulations Federal Register
Vol. 80, No. 221
Tuesday, November 17, 2015
This section of the FEDERAL REGISTER Additionally, CNCS removed 45 CFR aggregate, or impose an annual burden
contains regulatory documents having general parts 2541 and 2543, which were exceeding $100 million on the private
applicability and legal effect, most of which superseded by the Uniform Guidance sector.
are keyed to and codified in the Code of and made other conforming
Federal Regulations, which is published under Paperwork Reduction Act
amendments to its regulations. The
50 titles pursuant to 44 U.S.C. 1510. This rule contains no new
interim final rule was effective on
The Code of Federal Regulations is sold by December 26, 2014, and the public information collections subject to the
the Superintendent of Documents. Prices of comment period closed on February 17, requirements of the Paperwork
new books are listed in the first FEDERAL 2015. Reduction Act (44 U.S.C. 3506).
REGISTER issue of each week. CNCS did not receive any comments Executive Order 13132, Federalism
addressing its regulations. Accordingly,
and without change, CNCS adopts and Executive Order 13132, Federalism,
CORPORATION FOR NATIONAL AND implements the Uniform Guidance as prohibits an agency from publishing any
COMMUNITY SERVICE published on December 19, 2014. rule that has Federalism implications if
the rule imposes substantial direct
2 CFR Part 2205 Regulatory Procedures compliance costs on State and local
Executive Order 12866 governments and is not required by
45 CFR Parts 1235, 2510, 2520, 2541, statute, or the rule preempts State law,
2543, 2551, 2552, and 2553 CNCS has determined that the rule is
unless the agency meets the
not an ‘‘economically significant’’ rule
RIN 3045–AA61 consultation and funding requirements
within the meaning of E.O. 12866
of section 6 of the Executive Order. The
because it is not likely to result in: (1)
Implementation of Uniform rule does not have any Federalism
An annual effect on the economy of
Administrative Requirements, Cost implications, as described above.
$100 million or more, or an adverse and
Principles, and Audit Requirements for Accordingly, under the authority of
material effect on a sector of the
Federal Awards 42 U.S.C. 12651c(c), CNCS adopts the
economy, productivity, competition,
interim rule adding 2 CFR part 2205 and
AGENCY: Corporation for National and jobs, the environment, public health or
amending 45 CFR parts 1235, 2510,
Community Service. safety, or State, local, or tribal
2520, 2541, 2543, 2551, 2552, and 2553,
ACTION: Final rule.
government or communities; (2) the
which published at 79 FR 75871 on
creation of a serious inconsistency or
December 19, 2014, as final, without
SUMMARY: The Corporation for National interference with an action taken or
change.
and Community Service (CNCS) planned by another agency; (3) a
published an interim final rule adopting material alteration in the budgetary Dated: November 6, 2015.
and implementing the Uniform impacts of entitlement, grants, user fees, Jeremy Joseph,
Administrative Requirements, Cost or loan programs or the rights and General Counsel.
Principles, and Audit Requirements for obligations of recipients thereof; or (4) [FR Doc. 2015–28733 Filed 11–16–15; 8:45 am]
Federal Awards (Uniform Guidance) on the raising of novel legal or policy BILLING CODE 6050–28–P
December 19, 2014. CNCS publishes issues arising out of legal mandates, the
this final rule to adopt and implement President’s priorities, or the principles
the interim final rule without change. set forth in E.O. 12866. FEDERAL RESERVE SYSTEM
DATES: This rule is effective December Regulatory Flexibility Act
17, 2015. 12 CFR Part 204
As required by the Regulatory
FOR FURTHER INFORMATION CONTACT: Flexibility Act of 1980 (5 U.S.C. 605 [Regulation D; Docket No. R–1524]
Amy Borgstrom, Associate Director for (b)), CNCS certifies that this rule will
Policy, at the Corporation for National RIN 7100 AE–38
not have a significant economic impact
and Community Service, 1201 New on a substantial number of small
York Avenue NW., Washington, DC Reserve Requirements of Depository
entities. Therefore, CNCS has not Institutions
20525, phone 202–606–6930. The TDD/ performed the initial regulatory
TTY number is 800–833–3722. flexibility analysis that is required AGENCY: Board of Governors of the
SUPPLEMENTARY INFORMATION: On under the Regulatory Flexibility Act (5 Federal Reserve System.
December 19, 2014 (79 FR 75871), the U.S.C. 601 et seq.) for major rules that ACTION: Final rule.
Office of Management and Budget are expected to have such results.
issued a joint-agency interim final rule SUMMARY: The Board is amending
that implemented the Uniform Unfunded Mandates Regulation D, Reserve Requirements of
Administrative Requirements, Cost For purposes of Title II of the Depository Institutions, to reflect the
Principles, and Audit Requirements for Unfunded Mandates Reform Act of annual indexing of the reserve
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Federal Awards (Uniform Guidance). 1995, 2 U.S.C. 1531–1538, as well as requirement exemption amount and the
Through that interim final rule, CNCS Executive Order 12875, this regulatory low reserve tranche for 2016. The
adopted and implemented the Uniform action does not contain any Federal Regulation D amendments set the
Guidance and made specific exceptions mandate that may result in increased amount of total reservable liabilities of
to the rule. These exceptions are expenditures in either Federal, State, each depository institution that is
published in 2 CFR part 2205. local, or tribal governments in the subject to a zero percent reserve
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![71684 Federal Register / Vol. 80, No. 221 / Tuesday, November 17, 2015 / Rules and Regulations
By order of the Board of Governors of the For service information identified in www.regulations.gov/
Federal Reserve System, acting through the this AD, contact Bombardier, Inc., 400 #!documentDetail;D=FAA-2015-0929-
Director of the Division of Monetary Affairs Côte-Vertu Road West, Dorval, Québec 0002.
under delegated authority, November 12,
2015.
H4S 1Y9, Canada; telephone: 514–855–
Comments
5000; fax: 514–855–7401; email:
Robert deV. Frierson, We gave the public the opportunity to
thd.crj@aero.bombardier.com; Internet
Secretary of the Board. participate in developing this AD. We
http://www.bombardier.com. You may
[FR Doc. 2015–29336 Filed 11–16–15; 8:45 am] view this referenced service information received no comments on the NPRM (80
BILLING CODE 6210–01–P at the FAA, Transport Airplane FR 26490, May 8, 2015) or on the
Directorate, 1601 Lind Avenue SW., determination of the cost to the public.
Renton, WA. For information on the Conclusion
DEPARTMENT OF TRANSPORTATION availability of this material at the FAA,
call 425–227–1221. It is also available We reviewed the relevant data and
Federal Aviation Administration on the Internet at http:// determined that air safety and the
www.regulations.gov by searching for public interest require adopting this AD
14 CFR Part 39 and locating Docket No. FAA–2015– as proposed except for minor editorial
[Docket No. FAA–2015–0929; Directorate 0929. changes. We have determined that these
Identifier 2014–NM–218–AD; Amendment minor changes:
39–18323; AD 2015–23–07] FOR FURTHER INFORMATION CONTACT: • Are consistent with the intent that
Assata Dessaline, Aerospace Engineer, was proposed in the NPRM (80 FR
RIN 2120–AA64 Avionics and Service Branch, ANE–172, 26490, May 8, 2015) for correcting the
FAA, New York Aircraft Certification unsafe condition; and
Airworthiness Directives; Bombardier,
Inc. Airplanes
Office, 1600 Stewart Avenue, Suite 410, • Do not add any additional burden
Westbury, NY 11590; telephone: 516– upon the public than was already
AGENCY: Federal Aviation 228–7301; fax: 516–794–5531. proposed in the NPRM (80 FR 26490,
Administration (FAA), Department of SUPPLEMENTARY INFORMATION: May 8, 2015).
Transportation (DOT).
Discussion Related Service Information Under 1
ACTION: Final rule.
We issued a notice of proposed CFR Part 51
SUMMARY: We are adopting a new rulemaking (NPRM) to amend 14 CFR Bombardier, Inc. has issued Service
airworthiness directive (AD) for certain part 39 by adding an AD that would Bulletin 100–24–24, dated June 6, 2014.
Bombardier, Inc. Model BD–100–1A10 apply to certain Bombardier, Inc. Model The service information describes
(Challenger 300) airplanes. This AD was BD–100–1A10 (Challenger 300) procedures for an inspection, repair if
prompted by multiple reports of chafing airplanes. The NPRM published in the necessary, and modification of the
found on an electrical wiring harness in Federal Register on May 8, 2015 (80 FR wiring harness installation to prevent
the aft equipment bay, caused by 26490). contact with the hydraulic line. This
contact between the wiring harness and Transport Canada Civil Aviation service information is reasonably
a neighboring hydraulic line. This AD (TCCA), which is the aviation authority available because the interested parties
requires an inspection, repair if for Canada, has issued Canadian have access to it through their normal
necessary, and modification of the Airworthiness Directive CF–2014–32, course of business or by the means
wiring harness installation to ensure dated September 8, 2014 (referred to identified in the ADDRESSES section of
that the wiring harness routing is correct after this as the Mandatory Continuing this AD.
and a minimum clearance between the Airworthiness Information, or ‘‘the
wire and the hydraulic line is Costs of Compliance
MCAI’’), to correct an unsafe condition
maintained. We are issuing this AD to for certain Bombardier, Inc. Model BD– We estimate that this AD affects 107
detect and correct chafing on an 100–1A10 (Challenger 300) airplanes. airplanes of U.S. registry.
electrical wiring harness, which could The MCAI states: We also estimate that it will take
cause an electrical short circuit or lead about 4 work-hours per product to
to a malfunction of the flight control There have been multiple in-service
reports of chafing found on an electrical
comply with the basic requirements of
system, the engine indication system, or this AD. The average labor rate is $85
wiring harness in the aft equipment bay. An
the hydraulic power control system; and per work-hour. Required parts will cost
investigation determined that the chafing was
adversely affect the continued safe attributed to contact between the wiring about $64 per product. Based on these
operation and landing of the airplane. harness and a neighboring hydraulic line. figures, we estimate the cost of this AD
DATES: This AD becomes effective This chafing could cause an electrical short on U.S. operators to be $43,228, or $404
December 22, 2015. circuit or lead to a malfunction of the flight per product.
The Director of the Federal Register control system, the engine indication system, We have received no definitive data
approved the incorporation by reference or the hydraulic power control system; which that would enable us to provide cost
of a certain publication listed in this AD could adversely affect the continued safe
estimates for the on-condition actions
as of December 22, 2015. operation and landing of the aeroplane.
This [Canadian] AD mandates the specified in this AD. We have no way
ADDRESSES: You may examine the AD inspection [general visual inspection], of determining the number of aircraft
docket on the Internet at http:// rectification as required [repair of damage that might need these actions.
www.regulations.gov/ (including wear and chafing)], and According to the manufacturer, all of
#!docketDetail;D=FAA-2015-0929 or in modification of the wiring harness the costs of this AD may be covered
wgreen on DSK2VPTVN1PROD with RULES
person at the Docket Management installation to ensure the correct wiring under warranty, thereby reducing the
Facility, U.S. Department of routing and a minimum clearance between cost impact on affected individuals. We
Transportation, Docket Operations, M– the wire and the hydraulic line is do not control warranty coverage for
30, West Building Ground Floor, Room maintained. affected individuals. As a result, we
W12–140, 1200 New Jersey Avenue SE., You may examine the MCAI in the have included all costs in our cost
Washington, DC. AD docket on the Internet at http:// estimate.
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Document Created: 2015-12-14 14:00:15
Document Modified: 2015-12-14 14:00:15
| Category | Regulatory Information | |
| Collection | Federal Register | |
| sudoc Class | AE 2.7: GS 4.107: AE 2.106: | |
| Publisher | Office of the Federal Register, National Archives and Records Administration | |
| Section | Rules and Regulations | |
| Action | Final rule. | |
| Contact | Clinton N. Chen, Attorney (202/452- 3952), Legal Division, or Ezra A. Kidane, Financial Analyst (202/973- 6161), Division of Monetary Affairs; for users of Telecommunications Device for the Deaf (TDD) only, contact (202/263-4869); Board of Governors of the Federal Reserve System, 20th and C Streets NW., Washington, DC 20551. | |
| FR Citation | 80 FR 71681 | |
| RIN Number | 7100 AE38 | |
| CFR Associated | Banks; Banking and Reporting and Recordkeeping Requirements |
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