Federal Reserve Board: Regulations

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Regulation Titles

Congress has assigned to the Board responsibility for implementing the Federal Reserve Act, which established the Federal Reserve System, and certain other laws pertaining to a wide range of banking and financial activities. The Board implements those laws in part through its regulations, which are codified in title 12, chapter II, of the Code of Federal Regulations (12 CFR 201 et seq.).

Following is a brief description of each of the Board's regulations, with links to the full text of the regulation on the U.S. Government Printing Office (GPO) site. All appendixes, as well as supplements containing official staff commentaries, are included. To read an appendix or supplement, click on the link for the last section of the regulation and scroll down.

The GPO updates title 12 of the CFR annually, incorporating all amendments effective as of January 1. Links are therefore provided to all amendments effective after January 1, 2003.

Also provided are links to all pending proposed amendments. During the comment period, comments on proposals may be submitted in writing or by electronic mail (see the text of the proposal for contact details) or by using the electronic comment form provided.

Also included, for many regulations, are compliance guides for small entities. These guides were written to meet the requirements of the Small Business Regulatory Enforcement Fairness Act of 1996.

Reg.	CFR Cite	Title
A	12 CFR 201	Extensions of Credit by Federal Reserve Banks
B	12 CFR 202	Equal Credit Opportunity
C	12 CFR 203	Home Mortgage Disclosure
D	12 CFR 204	Reserve Requirements of Depository Institutions
E	12 CFR 205	Electronic Fund Transfers
F	12 CFR 206	Limitations on Interbank Liabilities
G	12 CFR 207	Disclosure and Reporting of CRA-Related Agreements
H	12 CFR 208	Membership of State Banking Institutions in the Federal Reserve System
I	12 CFR 209	Issue and Cancellation of Federal Reserve Bank Capital Stock
J	12 CFR 210	Collection of Checks and Other Items by Federal Reserve Banks and Funds Transfers through Fedwire
K	12 CFR 211	International Banking Operations
L	12 CFR 212	Management Official Interlocks
M	12 CFR 213	Consumer Leasing
N	12 CFR 214	Relations with Foreign Banks and Bankers
O	12 CFR 215	Loans to Executive Officers, Directors, and Principal Shareholders of Member Banks
P	12 CFR 216	Privacy of Consumer Financial Information
Q	12 CFR 217	Prohibition against Payment of Interest on Demand Deposits
S	12 CFR 219	Reimbursement to Financial Institutions for Providing Financial Records; Recordkeeping Requirements for Certain Financial Records
T	12 CFR 220	Credit by Brokers and Dealers
U	12 CFR 221	Credit by Banks or Persons other than Brokers or Dealers for the Purpose of Purchasing or Carrying Margin Stocks
V	12 CFR 222	Fair Credit Reporting (Proposed)
W	12 CFR 223	Transactions between Member Banks and Their Affiliates
X	12 CFR 224	Borrowers of Securities Credit
Y	12 CFR 225	Bank Holding Companies and Change in Bank Control
Z	12 CFR 226	Truth in Lending
AA	12 CFR 227	Unfair or Deceptive Acts or Practices
BB	12 CFR 228	Community Reinvestment
CC	12 CFR 229	Availability of Funds and Collection of Checks
DD	12 CFR 230	Truth in Savings
EE	12 CFR 231	Netting Eligibility for Financial Institutions
	12 CFR 250	Miscellaneous Interpretations
		Capital Adequacy Guidelines

Regulatory Publications

Printed copies of individual regulations are available, free of charge, from the Board's Publications Services Section.

For those who need additional interpretive material, the Board also publishes the Federal Reserve Regulatory Service (FRRS), which contains all Board regulations as well as authorizing statutes, policy statements, interpretations, and staff commentaries and opinions--all extensively cross-referenced through a subject index, citation indexes, and finding tables. This subscription service, which is updated monthly, is available in four loose-leaf volumes or on CD-ROM.

For those with a more specialized interest in the Board's regulations, four parts of the FRRS are published separately as the Monetary Policy and Reserve Requirements Handbook, the Securities Credit Transactions Handbook, the Consumer and Community Affairs Handbook, and the Payment System Handbook. These handbooks, which are also updated monthly, are available only in loose-leaf form.

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