81 FR 91672 - Regulation D; Reserve Requirements of Depository Institutions
FEDERAL RESERVE SYSTEM Federal Register Volume 81, Issue 243 (December 19, 2016)
Federal Register Volume 81, Issue 243 (December 19, 2016)
| Page Range | 91672-91674 | |
| FR Document | 2016-30320 |
[Federal Register Volume 81, Number 243 (Monday, December 19, 2016)] [Rules and Regulations] [Pages 91672-91674] From the Federal Register Online [www.thefederalregister.org] [FR Doc No: 2016-30320] ======================================================================= ----------------------------------------------------------------------- FEDERAL RESERVE SYSTEM 12 CFR Part 204 [Docket No. R-1553] RIN 7100-AE63 Regulation D; 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 2017. The Regulation D amendments set the amount of total reservable liabilities of each depository institution that is subject to a zero percent reserve requirement in 2017 at $15.5 million (up from $15.2 million in 2016). 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 2017 at $115.1 million (up from $110.2 million in 2016). 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: January 18, 2017. Compliance dates: The new low reserve tranche and reserve requirement exemption amount will apply to the fourteen-day reserve maintenance period that begins January 19, 2017. For depository institutions that report deposit data weekly, this maintenance period corresponds to the fourteen-day computation period that begins December 20, 2016. For depository institutions that report deposit data quarterly, this maintenance period corresponds to the seven-day computation period that begins December 20, 2016. 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 2017. 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. 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 2.3 percent, from $7,477 billion to $7,648 billion between June 30, 2015, and June 30, 2016. Accordingly, the Board is amending Regulation D to set the reserve requirement exemption amount for 2017 at $15.5 million, an increase of $0.3 million from its level in 2016.\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 [[Page 91673]] 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 5.5 percent, from $2,064 billion to $2,178 billion between June 30, 2015 and June 30, 2016. Accordingly, the Board is amending Regulation D to increase the low reserve tranche for net transaction accounts by $4.9 million, from $110.2 million for 2016 to $115.1 million for 2017. 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 19, 2017. For depository institutions that report deposit data weekly, this maintenance period corresponds to the fourteen-day computation period that begins December 20, 2016. For depository institutions that report deposit data quarterly, this maintenance period corresponds to the seven-day computation period that begins December 20, 2016. 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 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, 2015 to June 30, 2016, total transaction accounts, savings deposits, and small time deposits at all depository institutions increased 5.8 percent, from $10,807 billion to $11,433 billion. Accordingly, the Board is increasing the nonexempt deposit cutoff level by $19.3 million to $436.2 million in 2017 (from $416.9 million for 2016). The Board is also increasing the reduced reporting limit by $88 million to $1.989 billion for 2017 (from $1.901 billion in 2016).\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 2017, the boundaries of the four deposit reporting panels will be defined as follows. Those depository institutions with net transaction accounts over $15.5 million (the reserve requirement exemption amount) or with total transaction accounts, savings deposits, and small time deposits greater than or equal to $1.989 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 $436.2 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 $436.2 million are required to file the FR 2900 report each quarter. Those depository institutions with net transaction accounts less than or equal to $15.5 million (the reserve requirement exemption amount) and with total transaction accounts, savings deposits, and small time deposits less than $1.989 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 $15.5 million (but with total transaction accounts, savings deposits, and small time deposits less than $1.989 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 $15.5 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. 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. Section 204.4(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 [[Page 91674]] 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 ($15.5 million). Over reserve requirement exemption 3 percent of amount. amount ($15.5 million) and up to low reserve tranche ($115.1 million). Over low reserve tranche ($115.1 $2,988,000 plus 10 percent of million). amount over $115.1 million. Nonpersonal time deposits.............. 0 percent. Eurocurrency liabilities............... 0 percent. ------------------------------------------------------------------------ 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, October 26, 2016. Robert deV. Frierson, Secretary of the Board. [FR Doc. 2016-30320 Filed 12-16-16; 8:45 am] BILLING CODE 6210-01-P
![91672 Federal Register / Vol. 81, No. 243 / Monday, December 19, 2016 / Rules and Regulations
Email: program.intake@usda.gov. low reserve tranche for 2017. The purpose of implementing monetary
Persons with disabilities who require Regulation D amendments set the policy. Section 11(a)(2) of the Federal
alternative means for communication amount of total reservable liabilities of Reserve Act (12 U.S.C. 248(a)(2))
(Braille, large print, audiotape, etc.), each depository institution that is authorizes the Board to require reports
should contact USDA’s TARGET Center subject to a zero percent reserve of liabilities and assets from depository
at (202) 720–2600 (voice and TDD). requirement in 2017 at $15.5 million institutions to enable the Board to
Additional Public Notification (up from $15.2 million in 2016). This conduct monetary policy. The Board’s
amount is known as the reserve actions with respect to each of these
FSIS will announce this rule online requirement exemption amount. The provisions are discussed in turn below.
through the FSIS Web page located at Regulation D amendments also set the
http://www.fsis.usda.gov/regulations_&_ Reserve Requirements
amount of net transaction accounts at
policies/Interim_&_Final_Rules/ each depository institution (over the Pursuant to section 19(b) of the
index.asp. reserve requirement exemption amount) Federal Reserve Act (Act), transaction
FSIS will also make copies of this that is subject to a three percent reserve account balances maintained at each
Federal Register publication available requirement in 2017 at $115.1 million depository institution are subject to
through the FSIS Constituent Update, (up from $110.2 million in 2016). This reserve requirement ratios of zero, three,
which is used to provide information amount is known as the low reserve or ten percent. Section 19(b)(11)(A) of
regarding FSIS policies, procedures, tranche. The adjustments to both of the Act (12 U.S.C. 461(b)(11)(A))
regulations, Federal Register notices, these amounts are derived using provides that a zero percent reserve
FSIS public meetings, and other types of statutory formulas specified in the requirement shall apply at each
information that could affect or would Federal Reserve Act. depository institution to total reservable
be of interest to constituents and The Board is also announcing changes liabilities that do not exceed a certain
stakeholders. The Update is in two other amounts, the nonexempt amount, known as the reserve
communicated via Listserv, a free deposit cutoff level and the reduced requirement exemption amount. Section
electronic mail subscription service for reporting limit, that are used to 19(b)(11)(B) provides that, before
industry, trade groups, consumer determine the frequency at which December 31 of each year, the Board
interest groups, health professionals, depository institutions must submit shall issue a regulation adjusting the
and other individuals who have asked deposit reports. reserve requirement exemption amount
to be included. The Update is also DATES: Effective date: January 18, 2017. for the next calendar year if total
available on the FSIS Web page. In Compliance dates: The new low reservable liabilities held at all
addition, FSIS offers an electronic mail reserve tranche and reserve requirement depository institutions increase from
subscription service which provides exemption amount will apply to the one year to the next. No adjustment is
automatic and customized access to fourteen-day reserve maintenance made to the reserve requirement
selected food safety news and period that begins January 19, 2017. For exemption amount if total reservable
information. This service is available at depository institutions that report liabilities held at all depository
http://www.fsis.usda.gov/News_&_ deposit data weekly, this maintenance institutions should decrease during the
Events/Email_Subscription/. Options period corresponds to the fourteen-day applicable time period. The Act requires
range from recalls to export information computation period that begins the percentage increase in the reserve
to regulations, directives and notices. December 20, 2016. For depository requirement exemption amount to be 80
Customers can add or delete institutions that report deposit data percent of the increase in total
subscriptions themselves, and have the quarterly, this maintenance period reservable liabilities of all depository
option to password protect their corresponds to the seven-day institutions over the one-year period
accounts. computation period that begins that ends on the June 30 prior to the
Dated: December 14, 2016. December 20, 2016. The new values of adjustment.
Alfred V. Almanza, the nonexempt deposit cutoff level, the Total reservable liabilities of all
Acting Administrator. reserve requirement exemption amount, depository institutions increased by 2.3
[FR Doc. 2016–30463 Filed 12–16–16; 8:45 am] and the reduced reporting limit will be percent, from $7,477 billion to $7,648
BILLING CODE 3410–DM–P
used to determine the frequency at billion between June 30, 2015, and June
which a depository institution submits 30, 2016. Accordingly, the Board is
deposit reports effective in either June amending Regulation D to set the
or September 2017. reserve requirement exemption amount
FEDERAL RESERVE SYSTEM
FOR FURTHER INFORMATION CONTACT: for 2017 at $15.5 million, an increase of
12 CFR Part 204 Clinton N. Chen, Attorney (202/452– $0.3 million from its level in 2016.1
3952), Legal Division, or Ezra A. Kidane, Pursuant to Section 19(b)(2) of the Act
[Docket No. R–1553] (12 U.S.C. 461(b)(2)), transaction
Financial Analyst (202/973–6161),
RIN 7100–AE63 Division of Monetary Affairs; for users account balances maintained at each
of Telecommunications Device for the depository institution over the reserve
Regulation D; Reserve Requirements Deaf (TDD) only, contact (202/263– requirement exemption amount and up
of Depository Institutions 4869); Board of Governors of the Federal to a certain amount, known as the low
Reserve System, 20th and C Streets reserve tranche, are subject to a three
AGENCY: Board of Governors of the
NW., Washington, DC 20551. percent reserve requirement.
Federal Reserve System.
srobinson on DSK5SPTVN1PROD with RULES
SUPPLEMENTARY INFORMATION: Section Transaction account balances over the
ACTION: Final rule. low reserve tranche are subject to a ten
19(b)(2) of the Federal Reserve Act (12
SUMMARY: The Board is amending U.S.C. 461(b)(2)) requires each percent reserve requirement. Section
Regulation D, Reserve Requirements of depository institution to maintain 1 Consistent with Board practice, the low reserve
Depository Institutions, to reflect the reserves against its transaction accounts tranche and reserve requirement exemption
annual indexing of the reserve and nonpersonal time deposits, as amounts have been rounded to the nearest $0.1
requirement exemption amount and the prescribed by Board regulations, for the million.
VerDate Sep<11>2014 20:05 Dec 16, 2016 Jkt 241001 PO 00000 Frm 00030 Fmt 4700 Sfmt 4700 E:\FR\FM\19DER1.SGM 19DER1](https://thefederalregister.org/doc/81_FR_91915/page/1.svg)
![91674 Federal Register / Vol. 81, No. 243 / Monday, December 19, 2016 / Rules and Regulations
foreign banks, required reserves are transaction accounts, nonpersonal time the institution during the computation
computed by applying the reserve deposits, and Eurocurrency liabilities of period.
requirement ratios below to net
Reservable liability Reserve requirement
Net Transaction Accounts:
$0 to reserve requirement exemption amount ($15.5 million) .......... 0 percent of amount.
Over reserve requirement exemption amount ($15.5 million) and 3 percent of amount.
up to low reserve tranche ($115.1 million).
Over low reserve tranche ($115.1 million) ........................................ $2,988,000 plus 10 percent of amount over $115.1 million.
Nonpersonal time deposits ....................................................................... 0 percent.
Eurocurrency liabilities .............................................................................. 0 percent.
By order of the Board of Governors of the or agency of the U.S. government. The or state-regulated insurance company)
Federal Reserve System, acting through the final rule excludes a proposed provision may become a member of a Bank if it
Director of the Division of Monetary Affairs that would have eliminated the use of satisfies certain criteria and purchases a
under delegated authority, October 26, 2016.
private, loan-level, supplemental specified amount of the Bank’s capital
Robert deV. Frierson, mortgage insurance (SMI) in the stock.3 As government-sponsored
Secretary of the Board. member credit enhancement structure enterprises (GSEs), the Banks have
[FR Doc. 2016–30320 Filed 12–16–16; 8:45 am] required by the AMA regulation, but certain privileges under federal law,
BILLING CODE 6210–01–P does require Banks to establish financial which allow them to borrow funds at
and operational standards that insurers spreads over the rates on U.S. Treasury
must meet to be qualified to provide securities of comparable maturity that
FEDERAL HOUSING FINANCE BOARD insurance on AMA loans. Finally, the are narrower than those available to
final rule deletes some obsolete corporate borrowers generally. The
12 CFR Part 955 provisions from the current regulation, Banks pass along a portion of their
and clarifies certain other provisions. funding advantage to their members and
FEDERAL HOUSING FINANCE DATES: The final rule is effective January housing associates—and ultimately to
AGENCY 18, 2017. consumers—by providing advances 4
and other financial services at rates that
12 CFR Parts 1201, 1267, 1268, and FOR FURTHER INFORMATION CONTACT:
would not otherwise be available to
1281 Christina Muradian, Principal Financial
their members. Among those financial
Analyst, Christina.Muradian@fhfa.gov,
RIN 2590–AA69 services are the Banks’ AMA programs,
202–649–3323, Division of Bank
under which the Banks provide
Acquired Member Assets Regulation; or Neil R. Crowley, Deputy
financing for members’ housing finance
General Counsel, Neil.Crowley@
AGENCY: Federal Housing Finance activities by purchasing mortgage loans
FHFA.gov, 202–649–3055 (these are not
Board; Federal Housing Finance that meet the requirements of the AMA
toll-free numbers), Office of General
Agency. regulation.
Counsel, Federal Housing Finance
ACTION: Final rule. Agency, 400 Seventh Street SW., B. Overview of the Existing AMA
Washington, DC 20219. The telephone Regulation
SUMMARY: The Federal Housing Finance
number for the Telecommunications The current AMA regulation has been
Agency (FHFA) is issuing this final rule
Device for the Hearing Impaired is 800– in effect since July 2000. It authorizes
to reorganize and relocate the current
877–8339. the Banks to acquire certain assets
regulation governing the Federal Home
Loan Banks’ (Banks) Acquired Member SUPPLEMENTARY INFORMATION: (principally, conforming residential
Asset (AMA) programs. More I. Background mortgage loans) from their members and
significantly, as required by the Dodd- housing associates as a means of
Frank Wall Street Reform and Consumer A. The Bank System advancing their housing finance
Protection Act (Dodd-Frank Act), it The eleven Banks are wholesale mission, and prescribes the parameters
removes and replaces references in the financial institutions organized under within which the Banks may do so.
current regulation to, and requirements the Federal Home Loan Bank Act (Bank The core of the current AMA
based on, ratings issued by a Nationally Act).1 The Banks are cooperatives; only regulation is a three-part test, which
Recognized Statistical Ratings members of a Bank may purchase the establishes the requirements for a
Organization (NRSRO). It also provides capital stock of a Bank, and only mortgage loan or other asset to qualify
a Bank greater flexibility in choosing the members or certain eligible housing as AMA. The three-part test embodies
model it can use to estimate the credit associates (such as state housing finance the underlying policy regarding the
enhancement required for AMA loans. agencies) may obtain access to secured acquisition of mortgages and other
Additionally, the final rule adds a loans, known as advances, or other eligible AMA assets by the Banks. First,
provision allowing a Bank to authorize products provided by a Bank.2 Each the asset requirement establishes that
the transfer of mortgage servicing rights Bank serves the public interest by assets must be whole conforming
srobinson on DSK5SPTVN1PROD with RULES
on AMA loans to any institution, enhancing the availability of residential mortgage loans, certain interests in such
including a nonmember of the Federal credit through its member institutions. loans, whole loans secured by
Home Loan Bank System (Bank System). Any eligible institution (generally, a 3 See 12 U.S.C. 1424; 12 CFR part 1263.
The final rule allows the Banks to federally insured depository institution 4 Members are required to pledge specific
acquire mortgage loans that exceed the collateral, mainly mortgages or other real estate
conforming loan limits if they are 1 See 12 U.S.C. 1423, 1432(a). related assets, to secure any advance taken down
guaranteed or insured by a department 2 See 12 U.S.C. 1426(a)(4), 1430(a), 1430b. from a Bank. See 12 CFR 1266.7.
VerDate Sep<11>2014 20:46 Dec 16, 2016 Jkt 241001 PO 00000 Frm 00032 Fmt 4700 Sfmt 4700 E:\FR\FM\19DER1.SGM 19DER1](https://thefederalregister.org/doc/81_FR_91915/page/3.svg)
Document Created: 2016-12-17 03:15:19
Document Modified: 2016-12-17 03:15:19
| 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 | 81 FR 91672 | |
| RIN Number | 7100-AE63 | |
| CFR Associated | Banks; Banking and Reporting and Recordkeeping Requirements |
2025 Federal Register | Disclaimer | Privacy Policy
USC | CFR | eCFR