Title 12

Volume 3 CHAPTER II SUBCHAP A

Subchapter A - Board Of Governors Of The Federal Reserve System (continued)

12:3.0.1.1.1	PART 220	PART 220 - CREDIT BY BROKERS AND DEALERS (REGULATION T)
12:3.0.1.1.1.0.1	SUBJGRP 1	Interpretations
12:3.0.1.1.1.0.1.1	SECTION 220.1	220.1 Authority, purpose, and scope.
12:3.0.1.1.1.0.1.2	SECTION 220.2	220.2 Definitions.
12:3.0.1.1.1.0.1.3	SECTION 220.3	220.3 General provisions.
12:3.0.1.1.1.0.1.4	SECTION 220.4	220.4 Margin account.
12:3.0.1.1.1.0.1.5	SECTION 220.5	220.5 Special memorandum account.
12:3.0.1.1.1.0.1.6	SECTION 220.6	220.6 Good faith account.
12:3.0.1.1.1.0.1.7	SECTION 220.7	220.7 Broker-dealer credit account.
12:3.0.1.1.1.0.1.8	SECTION 220.8	220.8 Cash account.
12:3.0.1.1.1.0.1.9	SECTION 220.9	220.9 Clearance of securities, options, and futures.
12:3.0.1.1.1.0.1.10	SECTION 220.10	220.10 Borrowing and lending securities.
12:3.0.1.1.1.0.1.11	SECTION 220.11	220.11 Requirements for the list of marginable OTC stocks and the list of foreign margin stocks.
12:3.0.1.1.1.0.1.12	SECTION 220.12	220.12 Supplement: margin requirements.
12:3.0.1.1.1.0.1.13	SECTION 220.101	220.101 Transactions of customers who are brokers or dealers.
12:3.0.1.1.1.0.1.14	SECTION 220.102	220.102 [Reserved]
12:3.0.1.1.1.0.1.15	SECTION 220.103	220.103 Borrowing of securities.
12:3.0.1.1.1.0.1.16	SECTION 220.104	220.104 [Reserved]
12:3.0.1.1.1.0.1.17	SECTION 220.105	220.105 Ninety-day rule in special cash account.
12:3.0.1.1.1.0.1.18	SECTION 220.106-220.107	220.106-220.107 [Reserved]
12:3.0.1.1.1.0.1.19	SECTION 220.108	220.108 International Bank Securities.
12:3.0.1.1.1.0.1.20	SECTION 220.109	220.109 [Reserved]
12:3.0.1.1.1.0.1.21	SECTION 220.110	220.110 Assistance by Federal credit union to its members.
12:3.0.1.1.1.0.1.22	SECTION 220.111	220.111 Arranging for extensions of credit to be made by a bank.
12:3.0.1.1.1.0.1.23	SECTION 220.112	220.112 [Reserved]
12:3.0.1.1.1.0.1.24	SECTION 220.113	220.113 Necessity for prompt payment and delivery in special cash accounts.
12:3.0.1.1.1.0.1.25	SECTION 220.114-220.116	220.114-220.116 [Reserved]
12:3.0.1.1.1.0.1.26	SECTION 220.117	220.117 Exception to 90-day rule in special cash account.
12:3.0.1.1.1.0.1.27	SECTION 220.118	220.118 Time of payment for mutual fund shares purchased in a special cash account.
12:3.0.1.1.1.0.1.28	SECTION 220.119	220.119 Applicability of margin requirements to credit extended to corporation in connection with retirement of stock.
12:3.0.1.1.1.0.1.29	SECTION 220.120	220.120 [Reserved]
12:3.0.1.1.1.0.1.30	SECTION 220.121	220.121 Applicability of margin requirements to joint account between two creditors.
12:3.0.1.1.1.0.1.31	SECTION 220.122	220.122 “Deep in the money put and call options” as extensions of credit.
12:3.0.1.1.1.0.1.32	SECTION 220.123	220.123 Partial delayed issue contracts covering nonconvertible bonds.
12:3.0.1.1.1.0.1.33	SECTION 220.124	220.124 Installment sale of tax-shelter programs as “arranging” for credit.
12:3.0.1.1.1.0.1.34	SECTION 220.125-220.126	220.125-220.126 [Reserved]
12:3.0.1.1.1.0.1.35	SECTION 220.127	220.127 Independent broker/dealers arranging credit in connection with the sale of insurance premium funding programs.
12:3.0.1.1.1.0.1.36	SECTION 220.128	220.128 Treatment of simultaneous long and short positions in the same margin account when put or call options or combinations thereof on such stock are also outstanding in the account.
12:3.0.1.1.1.0.1.37	SECTION 220.129-220.130	220.129-220.130 [Reserved]
12:3.0.1.1.1.0.1.38	SECTION 220.131	220.131 Application of the arranging section to broker-dealer activities under SEC Rule 144A.
12:3.0.1.1.1.0.1.39	SECTION 220.132	220.132 Credit to brokers and dealers.
12:3.0.1.1.2	PART 221	PART 221 - CREDIT BY BANKS AND PERSONS OTHER THAN BROKERS OR DEALERS FOR THE PURPOSE OF PURCHASING OR CARRYING MARGIN STOCK (REGULATION U)
12:3.0.1.1.2.0.2	SUBJGRP 2	Interpretations
12:3.0.1.1.2.0.2.1	SECTION 221.1	221.1 Authority, purpose, and scope.
12:3.0.1.1.2.0.2.2	SECTION 221.2	221.2 Definitions.
12:3.0.1.1.2.0.2.3	SECTION 221.3	221.3 General requirements.
12:3.0.1.1.2.0.2.4	SECTION 221.4	221.4 Employee stock option, purchase, and ownership plans.
12:3.0.1.1.2.0.2.5	SECTION 221.5	221.5 Special purpose loans to brokers and dealers.
12:3.0.1.1.2.0.2.6	SECTION 221.6	221.6 Exempted transactions.
12:3.0.1.1.2.0.2.7	SECTION 221.7	221.7 Supplement: Maximum loan value of margin stock and other collateral.
12:3.0.1.1.2.0.2.8	SECTION 221.101	221.101 Determination and effect of purpose of loan.
12:3.0.1.1.2.0.2.9	SECTION 221.102	221.102 Application to committed credit where funds are disbursed thereafter.
12:3.0.1.1.2.0.2.10	SECTION 221.103	221.103 Loans to brokers or dealers.
12:3.0.1.1.2.0.2.11	SECTION 221.104	221.104 Federal credit unions.
12:3.0.1.1.2.0.2.12	SECTION 221.105	221.105 Arranging for extensions of credit to be made by a bank.
12:3.0.1.1.2.0.2.13	SECTION 221.106	221.106 Reliance in “good faith” on statement of purpose of loan.
12:3.0.1.1.2.0.2.14	SECTION 221.107	221.107 Arranging loan to purchase open-end investment company shares.
12:3.0.1.1.2.0.2.15	SECTION 221.108	221.108 Effect of registration of stock subsequent to making of loan.
12:3.0.1.1.2.0.2.16	SECTION 221.109	221.109 Loan to open-end investment company.
12:3.0.1.1.2.0.2.17	SECTION 221.110	221.110 Questions arising under this part.
12:3.0.1.1.2.0.2.18	SECTION 221.111	221.111 Contribution to joint venture as extension of credit when the contribution is disproportionate to the contributor's share in the venture's profits or losses.
12:3.0.1.1.2.0.2.19	SECTION 221.112	221.112 Loans by bank in capacity as trustee.
12:3.0.1.1.2.0.2.20	SECTION 221.113	221.113 Loan which is secured indirectly by stock.
12:3.0.1.1.2.0.2.21	SECTION 221.114	221.114 Bank loans to purchase stock of American Telephone and Telegraph Company under Employees' Stock Plan.
12:3.0.1.1.2.0.2.22	SECTION 221.115	221.115 Accepting a purpose statement through the mail without benefit of face-to-face interview.
12:3.0.1.1.2.0.2.23	SECTION 221.116	221.116 Bank loans to replenish working capital used to purchase mutual fund shares.
12:3.0.1.1.2.0.2.24	SECTION 221.117	221.117 When bank in “good faith” has not relied on stock as collateral.
12:3.0.1.1.2.0.2.25	SECTION 221.118	221.118 Bank arranging for extension of credit by corporation.
12:3.0.1.1.2.0.2.26	SECTION 221.119	221.119 Applicability of plan-lender provisions to financing of stock options and stock purchase rights qualified or restricted under Internal Revenue Code.
12:3.0.1.1.2.0.2.27	SECTION 221.120	221.120 Allocation of stock collateral to purpose and nonpurpose credits to same customer.
12:3.0.1.1.2.0.2.28	SECTION 221.121	221.121 Extension of credit in certain stock option and stock purchase plans.
12:3.0.1.1.2.0.2.29	SECTION 221.122	221.122 Applicability of margin requirements to credit in connection with Insurance Premium Funding Programs.
12:3.0.1.1.2.0.2.30	SECTION 221.123	221.123 Combined credit for exercising employee stock options and paying income taxes incurred as a result of such exercise.
12:3.0.1.1.2.0.2.31	SECTION 221.124	221.124 Purchase of debt securities to finance corporate takeovers.
12:3.0.1.1.2.0.2.32	SECTION 221.125	221.125 Credit to brokers and dealers.
12:3.0.1.1.3	PART 222	PART 222 - FAIR CREDIT REPORTING (REGULATION V)
12:3.0.1.1.3.1	SUBPART A	Subpart A - General Provisions
12:3.0.1.1.3.1.3.1	SECTION 222.1	222.1 Purpose, scope, and effective dates.
12:3.0.1.1.3.1.3.2	SECTION 222.2	222.2 Examples.
12:3.0.1.1.3.1.3.3	SECTION 222.3	222.3 Definitions.
12:3.0.1.1.3.2	SUBPART B	Subpart B [Reserved]
12:3.0.1.1.3.3	SUBPART C	Subpart C - Affiliate Marketing
12:3.0.1.1.3.3.3.1	SECTION 222.20	222.20 Coverage and definitions.
12:3.0.1.1.3.3.3.2	SECTION 222.21	222.21 Affiliate marketing opt-out and exceptions.
12:3.0.1.1.3.3.3.3	SECTION 222.22	222.22 Scope and duration of opt-out.
12:3.0.1.1.3.3.3.4	SECTION 222.23	222.23 Contents of opt-out notice; consolidated and equivalent notices.
12:3.0.1.1.3.3.3.5	SECTION 222.24	222.24 Reasonable opportunity to opt out.
12:3.0.1.1.3.3.3.6	SECTION 222.25	222.25 Reasonable and simple methods of opting out.
12:3.0.1.1.3.3.3.7	SECTION 222.26	222.26 Delivery of opt-out notices.
12:3.0.1.1.3.3.3.8	SECTION 222.27	222.27 Renewal of opt-out.
12:3.0.1.1.3.3.3.9	SECTION 222.28	222.28 Effective date, compliance date, and prospective application.
12:3.0.1.1.3.4	SUBPART D	Subpart D - Medical Information
12:3.0.1.1.3.4.3.1	SECTION 222.30	222.30 Obtaining or using medical information in connection with a determination of eligibility for credit.
12:3.0.1.1.3.4.3.2	SECTION 222.31	222.31 Limits on redisclosure of information.
12:3.0.1.1.3.4.3.3	SECTION 222.32	222.32 Sharing medical information with affiliates.
12:3.0.1.1.3.5	SUBPART E	Subpart E - Duties of Furnishers of Information
12:3.0.1.1.3.5.3.1	SECTION 222.40	222.40 Scope.
12:3.0.1.1.3.5.3.2	SECTION 222.41	222.41 Definitions.
12:3.0.1.1.3.5.3.3	SECTION 222.42	222.42 Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
12:3.0.1.1.3.5.3.4	SECTION 222.43	222.43 Direct disputes.
12:3.0.1.1.3.6	SUBPART F	Subpart F [Reserved]
12:3.0.1.1.3.7	SUBPART H	Subpart H - Duties of Users Regarding Risk-Based Pricing
12:3.0.1.1.3.7.3.1	SECTION 222.70	222.70 Scope.
12:3.0.1.1.3.7.3.2	SECTION 222.71	222.71 Definitions.
12:3.0.1.1.3.7.3.3	SECTION 222.72	222.72 General requirements for risk-based pricing notices.
12:3.0.1.1.3.7.3.4	SECTION 222.73	222.73 Content, form, and timing of risk-based pricing notices.
12:3.0.1.1.3.7.3.5	SECTION 222.74	222.74 Exceptions.
12:3.0.1.1.3.7.3.6	SECTION 222.75	222.75 Rules of construction.
12:3.0.1.1.3.8	SUBPART I	Subpart I - Duties of Users of Consumer Reports Regarding Identity Theft
12:3.0.1.1.3.8.3.1	SECTION 222.80-222.81	222.80-222.81 [Reserved]
12:3.0.1.1.3.8.3.2	SECTION 222.82	222.82 Duties of users regarding address discrepancies.
12:3.0.1.1.3.8.3.3	SECTION 222.83	222.83 Disposal of consumer information.
12:3.0.1.1.3.9	SUBPART J	Subpart J - Identity Theft Red Flags
12:3.0.1.1.3.9.3.1	SECTION 222.90	222.90 Duties regarding the detection, prevention, and mitigation of identity theft.
12:3.0.1.1.3.9.3.2	SECTION 222.91	222.91 Duties of card issuers regarding changes of address.
12:3.0.1.1.3.10	SUBPART 0
12:3.0.1.1.3.11.3.1.1	APPENDIX Appendix A	Appendix A to Part 222 [Reserved]
12:3.0.1.1.3.11.3.1.2	APPENDIX Appendix B	Appendix B to Part 222 - Model Notices of Furnishing Negative Information
12:3.0.1.1.3.11.3.1.3	APPENDIX Appendix C	Appendix C to Part 222 - Model Forms for Opt-Out Notices
12:3.0.1.1.3.11.3.1.4	APPENDIX Appendix D	Appendix D to Part 222 [Reserved]
12:3.0.1.1.3.11.3.1.5	APPENDIX Appendix E	Appendix E to Part 222 - Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies
12:3.0.1.1.3.11.3.1.6	APPENDIX	Appendixes F-G to Part 222 [Reserved]
12:3.0.1.1.3.11.3.1.7	APPENDIX Appendix H	Appendix H to Part 222 - Model Forms for Risk-Based Pricing and Credit Score Disclosure Exception Notices
12:3.0.1.1.3.11.3.1.8	APPENDIX Appendix I	Appendix I to Part 222 [Reserved]
12:3.0.1.1.3.11.3.1.9	APPENDIX Appendix J	Appendix J to Part 222 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation
12:3.0.1.1.4	PART 223	PART 223 - TRANSACTIONS BETWEEN MEMBER BANKS AND THEIR AFFILIATES (REGULATION W)
12:3.0.1.1.4.1	SUBPART A	Subpart A - Introduction and Definitions
12:3.0.1.1.4.1.3.1	SECTION 223.1	223.1 Authority, purpose, and scope.
12:3.0.1.1.4.1.3.2	SECTION 223.2	223.2 What is an “affiliate” for purposes of sections 23A and 23B and this part
12:3.0.1.1.4.1.3.3	SECTION 223.3	223.3 What are the meanings of the other terms used in sections 23A and 23B and this part
12:3.0.1.1.4.2	SUBPART B	Subpart B - General Provisions of Section 23A
12:3.0.1.1.4.2.3.1	SECTION 223.11	223.11 What is the maximum amount of covered transactions that a member bank may enter into with any single affiliate
12:3.0.1.1.4.2.3.2	SECTION 223.12	223.12 What is the maximum amount of covered transactions that a member bank may enter into with all affiliates
12:3.0.1.1.4.2.3.3	SECTION 223.13	223.13 What safety and soundness requirement applies to covered transactions
12:3.0.1.1.4.2.3.4	SECTION 223.14	223.14 What are the collateral requirements for a credit transaction with an affiliate
12:3.0.1.1.4.2.3.5	SECTION 223.15	223.15 May a member bank purchase a low-quality asset from an affiliate
12:3.0.1.1.4.2.3.6	SECTION 223.16	223.16 What transactions by a member bank with any person are treated as transactions with an affiliate
12:3.0.1.1.4.3	SUBPART C	Subpart C - Valuation and Timing Principles Under Section 23A
12:3.0.1.1.4.3.3.1	SECTION 223.21	223.21 What valuation and timing principles apply to credit transactions
12:3.0.1.1.4.3.3.2	SECTION 223.22	223.22 What valuation and timing principles apply to asset purchases
12:3.0.1.1.4.3.3.3	SECTION 223.23	223.23 What valuation and timing principles apply to purchases of and investments in securities issued by an affiliate
12:3.0.1.1.4.3.3.4	SECTION 223.24	223.24 What valuation principles apply to extensions of credit secured by affiliate securities
12:3.0.1.1.4.4	SUBPART D	Subpart D - Other Requirements Under Section 23A
12:3.0.1.1.4.4.3.1	SECTION 223.31	223.31 How does section 23A apply to a member bank's acquisition of an affiliate that becomes an operating subsidiary of the member bank after the acquisition
12:3.0.1.1.4.4.3.2	SECTION 223.32	223.32 What rules apply to financial subsidiaries of a member bank
12:3.0.1.1.4.4.3.3	SECTION 223.33	223.33 What rules apply to derivative transactions
12:3.0.1.1.4.5	SUBPART E	Subpart E - Exemptions from the Provisions of Section 23A
12:3.0.1.1.4.5.3.1	SECTION 223.41	223.41 What covered transactions are exempt from the quantitative limits and collateral requirements
12:3.0.1.1.4.5.3.2	SECTION 223.42	223.42 What covered transactions are exempt from the quantitative limits, collateral requirements, and low-quality asset prohibition
12:3.0.1.1.4.5.3.3	SECTION 223.43	223.43 What are the standards under which the Board may grant additional exemptions from the requirements of section 23A
12:3.0.1.1.4.6	SUBPART F	Subpart F - General Provisions of Section 23B
12:3.0.1.1.4.6.3.1	SECTION 223.51	223.51 What is the market terms requirement of section 23B
12:3.0.1.1.4.6.3.2	SECTION 223.52	223.52 What transactions with affiliates or others must comply with section 23B's market terms requirement
12:3.0.1.1.4.6.3.3	SECTION 223.53	223.53 What asset purchases are prohibited by section 23B
12:3.0.1.1.4.6.3.4	SECTION 223.54	223.54 What advertisements and statements are prohibited by section 23B
12:3.0.1.1.4.6.3.5	SECTION 223.55	223.55 What are the standards under which the Board may grant exemptions from the requirements of section 23B
12:3.0.1.1.4.6.3.6	SECTION 223.56	223.56 What transactions are exempt from the market-terms requirement of section 23B
12:3.0.1.1.4.7	SUBPART G	Subpart G - Application of Sections 23A and 23B to U.S. Branches and Agencies of Foreign Banks
12:3.0.1.1.4.7.3.1	SECTION 223.61	223.61 How do sections 23A and 23B apply to U.S. branches and agencies of foreign banks
12:3.0.1.1.4.8	SUBPART H	Subpart H - Miscellaneous Interpretations
12:3.0.1.1.4.8.3.1	SECTION 223.71	223.71 How do sections 23A and 23B apply to transactions in which a member bank purchases from one affiliate an asset relating to another affiliate
12:3.0.1.1.4.9	SUBPART I	Subpart I - Savings Associations - Transactions with Affiliates
12:3.0.1.1.4.9.3.1	SECTION 223.72	223.72 Transactions with affiliates.
12:3.0.1.1.5	PART 224	PART 224 - BORROWERS OF SECURITIES CREDIT (REGULATION X)
12:3.0.1.1.5.0.3.1	SECTION 224.1	224.1 Authority, purpose, and scope.
12:3.0.1.1.5.0.3.2	SECTION 224.2	224.2 Definitions.
12:3.0.1.1.5.0.3.3	SECTION 224.3	224.3 Margin regulations to be applied by nonexempted borrowers.
12:3.0.1.1.6	PART 225	PART 225 - BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y)
12:3.0.1.1.6.0.5	SUBJGRP 5	Regulations
12:3.0.1.1.6.1	SUBPART A	Subpart A - General Provisions
12:3.0.1.1.6.1.6.1	SECTION 225.1	225.1 Authority, purpose, and scope.
12:3.0.1.1.6.1.6.2	SECTION 225.2	225.2 Definitions.
12:3.0.1.1.6.1.6.3	SECTION 225.3	225.3 Administration.
12:3.0.1.1.6.1.6.4	SECTION 225.4	225.4 Corporate practices.
12:3.0.1.1.6.1.6.5	SECTION 225.5	225.5 Registration, reports, and inspections.
12:3.0.1.1.6.1.6.6	SECTION 225.6	225.6 Penalties for violations.
12:3.0.1.1.6.1.6.7	SECTION 225.7	225.7 Exceptions to tying restrictions.
12:3.0.1.1.6.1.6.8	SECTION 225.8	225.8 Capital planning and stress capital buffer requirement.
12:3.0.1.1.6.1.6.9	SECTION 225.9	225.9 Control over securities.
12:3.0.1.1.6.1.6.10	SECTION 225.10	225.10 Temporary relief for 2020 and 2021.
12:3.0.1.1.6.2	SUBPART B	Subpart B - Acquisition of Bank Securities or Assets
12:3.0.1.1.6.2.6.1	SECTION 225.11	225.11 Transactions requiring Board approval.
12:3.0.1.1.6.2.6.2	SECTION 225.12	225.12 Transactions not requiring Board approval.
12:3.0.1.1.6.2.6.3	SECTION 225.13	225.13 Factors considered in acting on bank acquisition proposals.
12:3.0.1.1.6.2.6.4	SECTION 225.14	225.14 Expedited action for certain bank acquisitions by well-run bank holding companies.
12:3.0.1.1.6.2.6.5	SECTION 225.15	225.15 Procedures for other bank acquisition proposals.
12:3.0.1.1.6.2.6.6	SECTION 225.16	225.16 Public notice, comments, hearings, and other provisions governing applications and notices.
12:3.0.1.1.6.2.6.7	SECTION 225.17	225.17 Notice procedure for one-bank holding company formations.
12:3.0.1.1.6.3	SUBPART C	Subpart C - Nonbanking Activities and Acquisitions by Bank Holding Companies
12:3.0.1.1.6.3.6.1	SECTION 225.21	225.21 Prohibited nonbanking activities and acquisitions; exempt bank holding companies.
12:3.0.1.1.6.3.6.2	SECTION 225.22	225.22 Exempt nonbanking activities and acquisitions.
12:3.0.1.1.6.3.6.3	SECTION 225.23	225.23 Expedited action for certain nonbanking proposals by well-run bank holding companies.
12:3.0.1.1.6.3.6.4	SECTION 225.24	225.24 Procedures for other nonbanking proposals.
12:3.0.1.1.6.3.6.5	SECTION 225.25	225.25 Hearings, alteration of activities, and other matters.
12:3.0.1.1.6.3.6.6	SECTION 225.26	225.26 Factors considered in acting on nonbanking proposals.
12:3.0.1.1.6.3.6.7	SECTION 225.27	225.27 Procedures for determining scope of nonbanking activities.
12:3.0.1.1.6.3.6.8	SECTION 225.28	225.28 List of permissible nonbanking activities.
12:3.0.1.1.6.4	SUBPART D	Subpart D - Control and Divestiture Proceedings
12:3.0.1.1.6.4.6.1	SECTION 225.31	225.31 Control proceedings.
12:3.0.1.1.6.4.6.2	SECTION 225.32	225.32 Rebuttable presumptions of control of a company.
12:3.0.1.1.6.4.6.3	SECTION 225.33	225.33 Rebuttable presumption of noncontrol of a company.
12:3.0.1.1.6.4.6.4	SECTION 225.34	225.34 Total equity.
12:3.0.1.1.6.5	SUBPART E	Subpart E - Change in Bank Control
12:3.0.1.1.6.5.6.1	SECTION 225.41	225.41 Transactions requiring prior notice.
12:3.0.1.1.6.5.6.2	SECTION 225.42	225.42 Transactions not requiring prior notice.
12:3.0.1.1.6.5.6.3	SECTION 225.43	225.43 Procedures for filing, processing, publishing, and acting on notices.
12:3.0.1.1.6.5.6.4	SECTION 225.44	225.44 Reporting of stock loans.
12:3.0.1.1.6.6	SUBPART F	Subpart F - Limitations on Nonbank Banks
12:3.0.1.1.6.6.6.1	SECTION 225.52	225.52 Limitation on overdrafts.
12:3.0.1.1.6.7	SUBPART G	Subpart G - Appraisal Standards for Federally Related Transactions
12:3.0.1.1.6.7.6.1	SECTION 225.61	225.61 Authority, purpose, and scope.
12:3.0.1.1.6.7.6.2	SECTION 225.62	225.62 Definitions.
12:3.0.1.1.6.7.6.3	SECTION 225.63	225.63 Appraisals required; transactions requiring a State certified or licensed appraiser.
12:3.0.1.1.6.7.6.4	SECTION 225.64	225.64 Minimum appraisal standards.
12:3.0.1.1.6.7.6.5	SECTION 225.65	225.65 Appraiser independence.
12:3.0.1.1.6.7.6.6	SECTION 225.66	225.66 Professional association membership; competency.
12:3.0.1.1.6.7.6.7	SECTION 225.67	225.67 Enforcement.
12:3.0.1.1.6.8	SUBPART H	Subpart H - Notice of Addition or Change of Directors and Senior Executive Officers
12:3.0.1.1.6.8.6.1	SECTION 225.71	225.71 Definitions.
12:3.0.1.1.6.8.6.2	SECTION 225.72	225.72 Director and officer appointments; prior notice requirement.
12:3.0.1.1.6.8.6.3	SECTION 225.73	225.73 Procedures for filing, processing, and acting on notices; standards for disapproval; waiver of notice.
12:3.0.1.1.6.9	SUBPART I	Subpart I - Financial Holding Companies
12:3.0.1.1.6.9.6	SUBJGRP 6	Interpretations
12:3.0.1.1.6.9.6.1	SECTION 225.81	225.81 What is a financial holding company
12:3.0.1.1.6.9.6.2	SECTION 225.82	225.82 How does a bank holding company elect to become a financial holding company
12:3.0.1.1.6.9.6.3	SECTION 225.83	225.83 What are the consequences of failing to continue to meet applicable capital and management requirements
12:3.0.1.1.6.9.6.4	SECTION 225.84	225.84 What are the consequences of failing to maintain a satisfactory or better rating under the Community Reinvestment Act at all insured depository institution subsidiaries
12:3.0.1.1.6.9.6.5	SECTION 225.85	225.85 Is notice to or approval from the Board required prior to engaging in a financial activity
12:3.0.1.1.6.9.6.6	SECTION 225.86	225.86 What activities are permissible for any financial holding company
12:3.0.1.1.6.9.6.7	SECTION 225.87	225.87 Is notice to the Board required after engaging in a financial activity
12:3.0.1.1.6.9.6.8	SECTION 225.88	225.88 How to request the Board to determine that an activity is financial in nature or incidental to a financial activity
12:3.0.1.1.6.9.6.9	SECTION 225.89	225.89 How to request approval to engage in an activity that is complementary to a financial activity
12:3.0.1.1.6.9.6.10	SECTION 225.90	225.90 What are the requirements for a foreign bank to be treated as a financial holding company
12:3.0.1.1.6.9.6.11	SECTION 225.91	225.91 How may a foreign bank elect to be treated as a financial holding company
12:3.0.1.1.6.9.6.12	SECTION 225.92	225.92 How does an election by a foreign bank become effective
12:3.0.1.1.6.9.6.13	SECTION 225.93	225.93 What are the consequences of a foreign bank failing to continue to meet applicable capital and management requirements
12:3.0.1.1.6.9.6.14	SECTION 225.94	225.94 What are the consequences of an insured branch or depository institution failing to maintain a satisfactory or better rating under the Community Reinvestment Act
12:3.0.1.1.6.9.6.15	SECTION 225.101	225.101 Bank holding company's subsidiary banks owning shares of nonbanking companies.
12:3.0.1.1.6.9.6.16	SECTION 225.102	225.102 Bank holding company indirectly owning nonbanking company through subsidiaries.
12:3.0.1.1.6.9.6.17	SECTION 225.103	225.103 Bank holding company acquiring stock by dividends, stock splits or exercise of rights.
12:3.0.1.1.6.9.6.18	SECTION 225.104	225.104 “Services” under section 4(c)(1) of Bank Holding Company Act.
12:3.0.1.1.6.9.6.19	SECTION 225.107	225.107 Acquisition of stock in small business investment company.
12:3.0.1.1.6.9.6.20	SECTION 225.109	225.109 “Services” under section 4(c)(1) of Bank Holding Company Act.
12:3.0.1.1.6.9.6.21	SECTION 225.111	225.111 Limit on investment by bank holding company system in stock of small business investment companies.
12:3.0.1.1.6.9.6.22	SECTION 225.112	225.112 Indirect control of small business concern through convertible debentures held by small business investment company.
12:3.0.1.1.6.9.6.23	SECTION 225.113	225.113 Services under section 4(a) of Bank Holding Company Act.
12:3.0.1.1.6.9.6.24	SECTION 225.115	225.115 Applicability of Bank Service Corporation Act in certain bank holding company situations.
12:3.0.1.1.6.9.6.25	SECTION 225.118	225.118 Computer services for customers of subsidiary banks.
12:3.0.1.1.6.9.6.26	SECTION 225.121	225.121 Acquisition of Edge corporation affiliate by State member banks of registered bank holding company.
12:3.0.1.1.6.9.6.27	SECTION 225.122	225.122 Bank holding company ownership of mortgage companies.
12:3.0.1.1.6.9.6.28	SECTION 225.123	225.123 Activities closely related to banking.
12:3.0.1.1.6.9.6.29	SECTION 225.124	225.124 Foreign bank holding companies.
12:3.0.1.1.6.9.6.30	SECTION 225.125	225.125 Investment adviser activities.
12:3.0.1.1.6.9.6.31	SECTION 225.126	225.126 Activities not closely related to banking.
12:3.0.1.1.6.9.6.32	SECTION 225.127	225.127 Investment in corporations or projects designed primarily to promote community welfare.
12:3.0.1.1.6.9.6.33	SECTION 225.129	225.129 Activities closely related to banking.
12:3.0.1.1.6.9.6.34	SECTION 225.130	225.130 Issuance and sale of short-term debt obligations by bank holding companies.
12:3.0.1.1.6.9.6.35	SECTION 225.131	225.131 Activities closely related to banking.
12:3.0.1.1.6.9.6.36	SECTION 225.132	225.132 Acquisition of assets.
12:3.0.1.1.6.9.6.37	SECTION 225.133	225.133 Computation of amount invested in foreign corporations under general consent procedures.
12:3.0.1.1.6.9.6.38	SECTION 225.134	225.134 Escrow arrangements involving bank stock resulting in a violation of the Bank Holding Company Act.
12:3.0.1.1.6.9.6.39	SECTION 225.136	225.136 Utilization of foreign subsidiaries to sell long-term debt obligations in foreign markets and to transfer the proceeds to their United States parent(s) for domestic purposes.
12:3.0.1.1.6.9.6.40	SECTION 225.137	225.137 Acquisitions of shares pursuant to section 4(c)(6) of the Bank Holding Company Act.
12:3.0.1.1.6.9.6.41	SECTION 225.138	225.138 Statement of policy concerning divestitures by bank holding companies.
12:3.0.1.1.6.9.6.42	SECTION 225.139	225.139 Presumption of continued control under section 2(g)(3) of the Bank Holding Company Act.
12:3.0.1.1.6.9.6.43	SECTION 225.140	225.140 Disposition of property acquired in satisfaction of debts previously contracted.
12:3.0.1.1.6.9.6.44	SECTION 225.141	225.141 Operations subsidiaries of a bank holding company.
12:3.0.1.1.6.9.6.45	SECTION 225.142	225.142 Statement of policy concerning bank holding companies engaging in futures, forward and options contracts on U.S. Government and agency securities and money market instruments.
12:3.0.1.1.6.9.6.46	SECTION 225.143	225.143 Policy statement on nonvoting equity investments by bank holding companies.
12:3.0.1.1.6.9.6.47	SECTION 225.145	225.145 Limitations established by the Competitive Equality Banking Act of 1987 on the activities and growth of nonbank banks.
12:3.0.1.1.6.10	SUBPART J	Subpart J - Merchant Banking Investments
12:3.0.1.1.6.10.7	SUBJGRP 7	Conditions to Orders
12:3.0.1.1.6.10.7.1	SECTION 225.170	225.170 What type of investments are permitted by this subpart, and under what conditions may they be made
12:3.0.1.1.6.10.7.2	SECTION 225.171	225.171 What are the limitations on managing or operating a portfolio company held as a merchant banking investment
12:3.0.1.1.6.10.7.3	SECTION 225.172	225.172 What are the holding periods permitted for merchant banking investments
12:3.0.1.1.6.10.7.4	SECTION 225.173	225.173 How are investments in private equity funds treated under this subpart
12:3.0.1.1.6.10.7.5	SECTION 225.174	225.174 What aggregate thresholds apply to merchant banking investments
12:3.0.1.1.6.10.7.6	SECTION 225.175	225.175 What risk management, record keeping and reporting policies are required to make merchant banking investments
12:3.0.1.1.6.10.7.7	SECTION 225.176	225.176 How do the statutory cross marketing and sections 23A and B limitations apply to merchant banking investments
12:3.0.1.1.6.10.7.8	SECTION 225.177	225.177 Definitions.
12:3.0.1.1.6.11	SUBPART K	Subpart K - Proprietary Trading and Relationships With Hedge Funds and Private Equity Funds
12:3.0.1.1.6.11.8.1	SECTION 225.180	225.180 Definitions.
12:3.0.1.1.6.11.8.2	SECTION 225.181	225.181 Conformance Period for Banking Entities Engaged in Prohibited Proprietary Trading or Private Fund Activities.
12:3.0.1.1.6.11.8.3	SECTION 225.182	225.182 Conformance Period for Nonbank Financial Companies Supervised by the Board Engaged in Proprietary Trading or Private Fund Activities.
12:3.0.1.1.6.12	SUBPART L	Subpart L - Conditions to Orders
12:3.0.1.1.6.12.8.1	SECTION 225.200	225.200 Conditions to Board's section 20 orders.
12:3.0.1.1.6.13	SUBPART M	Subpart M - Minimum Requirements for Appraisal Management Companies
12:3.0.1.1.6.13.8.1	SECTION 225.190	225.190 Authority, purpose, and scope.
12:3.0.1.1.6.13.8.2	SECTION 225.191	225.191 Definitions.
12:3.0.1.1.6.13.8.3	SECTION 225.192	225.192 Appraiser panel - annual size calculation.
12:3.0.1.1.6.13.8.4	SECTION 225.193	225.193 Appraisal management company registration.
12:3.0.1.1.6.13.8.5	SECTION 225.194	225.194 Ownership limitations for State-registered appraisal management companies.
12:3.0.1.1.6.13.8.6	SECTION 225.195	225.195 Requirements for Federally regulated appraisal management companies.
12:3.0.1.1.6.13.8.7	SECTION 225.196	225.196 Information to be presented to the Appraisal Subcommittee by participating States.
12:3.0.1.1.6.14	SUBPART 0
12:3.0.1.1.6.15.8.1.10	APPENDIX Appendix A	Appendix A to Part 225 - Capital Adequacy Guidelines for Bank Holding Companies: Risk-Based Measure
12:3.0.1.1.6.15.8.1.11	APPENDIX Appendix B	Appendix B to Part 225 [Reserved]
12:3.0.1.1.6.15.8.1.12	APPENDIX Appendix C	Appendix C to Part 225 - Small Bank Holding Company and Savings and Loan Holding Company Policy Statement
12:3.0.1.1.6.15.8.1.13	APPENDIX	Appendixes D-E to Part 225 [Reserved]
12:3.0.1.1.6.15.8.1.14	APPENDIX Appendix F	Appendix F to Part 225 - Interagency Guidelines Establishing Information Security Standards
12:3.0.1.1.6.15.8.1.15	APPENDIX Appendix G	Appendix G to Part 225 [Reserved]
12:3.0.1.1.7	PART 226	PART 226 - TRUTH IN LENDING (REGULATION Z)
12:3.0.1.1.7.1	SUBPART A	Subpart A - General
12:3.0.1.1.7.1.8.1	SECTION 226.1	226.1 Authority, purpose, coverage, organization, enforcement, and liability.
12:3.0.1.1.7.1.8.2	SECTION 226.2	226.2 Definitions and rules of construction.
12:3.0.1.1.7.1.8.3	SECTION 226.3	226.3 Exempt transactions.
12:3.0.1.1.7.1.8.4	SECTION 226.4	226.4 Finance charge.
12:3.0.1.1.7.2	SUBPART B	Subpart B - Open-End Credit
12:3.0.1.1.7.2.8.1	SECTION 226.5	226.5 General disclosure requirements.
12:3.0.1.1.7.2.8.2	SECTION 226.5a	226.5a Credit and charge card applications and solicitations.
12:3.0.1.1.7.2.8.3	SECTION 226.5b	226.5b Requirements for home equity plans.
12:3.0.1.1.7.2.8.4	SECTION 226.6	226.6 Account-opening disclosures.
12:3.0.1.1.7.2.8.5	SECTION 226.7	226.7 Periodic statement.
12:3.0.1.1.7.2.8.6	SECTION 226.8	226.8 Identifying transactions on periodic statements.
12:3.0.1.1.7.2.8.7	SECTION 226.9	226.9 Subsequent disclosure requirements.
12:3.0.1.1.7.2.8.8	SECTION 226.10	226.10 Payments.
12:3.0.1.1.7.2.8.9	SECTION 226.11	226.11 Treatment of credit balances; account termination.
12:3.0.1.1.7.2.8.10	SECTION 226.12	226.12 Special credit card provisions.
12:3.0.1.1.7.2.8.11	SECTION 226.13	226.13 Billing error resolution. 27
12:3.0.1.1.7.2.8.12	SECTION 226.14	226.14 Determination of annual percentage rate.
12:3.0.1.1.7.2.8.13	SECTION 226.15	226.15 Right of rescission.
12:3.0.1.1.7.2.8.14	SECTION 226.16	226.16 Advertising.
12:3.0.1.1.7.3	SUBPART C	Subpart C - Closed-End Credit
12:3.0.1.1.7.3.8.1	SECTION 226.17	226.17 General disclosure requirements.
12:3.0.1.1.7.3.8.2	SECTION 226.18	226.18 Content of disclosures.
12:3.0.1.1.7.3.8.3	SECTION 226.19	226.19 Certain mortgage and variable-rate transactions.
12:3.0.1.1.7.3.8.4	SECTION 226.20	226.20 Subsequent disclosure requirements.
12:3.0.1.1.7.3.8.5	SECTION 226.21	226.21 Treatment of credit balances.
12:3.0.1.1.7.3.8.6	SECTION 226.22	226.22 Determination of annual percentage rate.
12:3.0.1.1.7.3.8.7	SECTION 226.23	226.23 Right of rescission.
12:3.0.1.1.7.3.8.8	SECTION 226.24	226.24 Advertising.
12:3.0.1.1.7.4	SUBPART D	Subpart D - Miscellaneous
12:3.0.1.1.7.4.8.1	SECTION 226.25	226.25 Record retention.
12:3.0.1.1.7.4.8.2	SECTION 226.26	226.26 Use of annual percentage rate in oral disclosures.
12:3.0.1.1.7.4.8.3	SECTION 226.27	226.27 Language of disclosures.
12:3.0.1.1.7.4.8.4	SECTION 226.28	226.28 Effect on State laws.
12:3.0.1.1.7.4.8.5	SECTION 226.29	226.29 State exemptions.
12:3.0.1.1.7.4.8.6	SECTION 226.30	226.30 Limitation on rates.
12:3.0.1.1.7.5	SUBPART E	Subpart E - Special Rules for Certain Home Mortgage Transactions
12:3.0.1.1.7.5.8.1	SECTION 226.31	226.31 General rules.
12:3.0.1.1.7.5.8.2	SECTION 226.32	226.32 Requirements for certain closed-end home mortgages.
12:3.0.1.1.7.5.8.3	SECTION 226.33	226.33 Requirements for reverse mortgages.
12:3.0.1.1.7.5.8.4	SECTION 226.34	226.34 Prohibited acts or practices in connection with credit subject to § 226.32.
12:3.0.1.1.7.5.8.5	SECTION 226.35	226.35 Prohibited acts or practices in connection with higher-priced mortgage loans.
12:3.0.1.1.7.5.8.6	SECTION 226.36	226.36 Prohibited acts or practices in connection with credit secured by a dwelling.
12:3.0.1.1.7.5.8.7	SECTION 226.37-226.38	226.37-226.38 [Reserved]
12:3.0.1.1.7.5.8.8	SECTION 226.39	226.39 Mortgage transfer disclosures.
12:3.0.1.1.7.5.8.9	SECTION 226.40-226.41	226.40-226.41 [Reserved]
12:3.0.1.1.7.5.8.10	SECTION 226.42	226.42 Valuation independence.
12:3.0.1.1.7.5.8.11	SECTION 226.43	226.43 Appraisals for higher-priced mortgage loans.
12:3.0.1.1.7.5.8.12	SECTION 226.44-226.45	226.44-226.45 [Reserved]
12:3.0.1.1.7.6	SUBPART F	Subpart F - Special Rules for Private Education Loans
12:3.0.1.1.7.6.8.1	SECTION 226.46	226.46 Special disclosure requirements for private education loans.
12:3.0.1.1.7.6.8.2	SECTION 226.47	226.47 Content of disclosures.
12:3.0.1.1.7.6.8.3	SECTION 226.48	226.48 Limitations on private education loans.
12:3.0.1.1.7.7	SUBPART G	Subpart G - Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students
12:3.0.1.1.7.7.8.1	SECTION 226.51	226.51 Ability to Pay.
12:3.0.1.1.7.7.8.2	SECTION 226.52	226.52 Limitations on fees.
12:3.0.1.1.7.7.8.3	SECTION 226.53	226.53 Allocation of payments.
12:3.0.1.1.7.7.8.4	SECTION 226.54	226.54 Limitations on the imposition of finance charges.
12:3.0.1.1.7.7.8.5	SECTION 226.55	226.55 Limitations on increasing annual percentage rates, fees, and charges.
12:3.0.1.1.7.7.8.6	SECTION 226.56	226.56 Requirements for over-the-limit transactions.
12:3.0.1.1.7.7.8.7	SECTION 226.57	226.57 Reporting and marketing rules for college student open-end credit.
12:3.0.1.1.7.7.8.8	SECTION 226.58	226.58 Internet posting of credit card agreements.
12:3.0.1.1.7.7.8.9	SECTION 226.59	226.59 Reevaluation of rate increases.
12:3.0.1.1.7.8	SUBPART 0
12:3.0.1.1.7.9.8.1.16	APPENDIX Appendix A	Appendix A to Part 226 - Effect on State Laws
12:3.0.1.1.7.9.8.1.17	APPENDIX Appendix B	Appendix B to Part 226 - State Exemptions
12:3.0.1.1.7.9.8.1.18	APPENDIX Appendix C	Appendix C to Part 226 - Issuance of Staff Interpretations
12:3.0.1.1.7.9.8.1.19	APPENDIX Appendix D	Appendix D to Part 226 - Multiple Advance Construction Loans
12:3.0.1.1.7.9.8.1.20	APPENDIX Appendix E	Appendix E to Part 226 - Rules for Card Issuers That Bill on a Transaction-by-Transaction Basis
12:3.0.1.1.7.9.8.1.21	APPENDIX Appendix F	Appendix F to Part 226 - Optional Annual Percentage Rate Computations for Creditors Offering Open-End Plans Subject to the Requirements of § 226.5b
12:3.0.1.1.7.9.8.1.22	APPENDIX Appendix G	Appendix G to Part 226 - Open-End Model Forms and Clauses
12:3.0.1.1.7.9.8.1.23	APPENDIX Appendix H	Appendix H to Part 226 - Closed-End Model Forms and Clauses
12:3.0.1.1.7.9.8.1.24	APPENDIX Appendix I	Appendix I to Part 226 - Federal Enforcement Agencies
12:3.0.1.1.7.9.8.1.25	APPENDIX Appendix J	Appendix J to Part 226 - Annual Percentage Rate Computations for Closed-End Credit Transactions
12:3.0.1.1.7.9.8.1.26	APPENDIX Appendix K	Appendix K to Part 226 - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions
12:3.0.1.1.7.9.8.1.27	APPENDIX Appendix L	Appendix L to Part 226 - Assumed Loan Periods for Computations of Total Annual Loan Cost Rates
12:3.0.1.1.7.9.8.1.28	APPENDIX Appendix M1	Appendix M1 to Part 226 - Repayment Disclosures
12:3.0.1.1.7.9.8.1.29	APPENDIX Appendix M2	Appendix M2 to Part 226 - Sample Calculations of Repayment Disclosures
12:3.0.1.1.7.9.8.1.30	APPENDIX Appendix N	Appendix N to Part 226 - Higher-Priced Mortgage Loan Appraisal Safe Harbor Review
12:3.0.1.1.7.9.8.1.31	APPENDIX Appendix O	Appendix O to Part 226 - Illustrative Written Source Documents for Higher-Priced Mortgage Loan Appraisal Rules
12:3.0.1.1.7.9.8.1.32	APPENDIX	Supplement I to Part 226 - Official Staff Interpretations
12:3.0.1.1.8	PART 228	PART 228 - COMMUNITY REINVESTMENT (REGULATION BB)
12:3.0.1.1.8.0.8.1	SECTION 228.1-228.2	228.1-228.2 [Reserved]
12:3.0.1.1.8.1	SUBPART A	Subpart A - General
12:3.0.1.1.8.1.8.1	SECTION 228.11	228.11 Authority, purposes, and scope.
12:3.0.1.1.8.1.8.2	SECTION 228.12	228.12 Definitions.
12:3.0.1.1.8.2	SUBPART B	Subpart B - Standards for Assessing Performance
12:3.0.1.1.8.2.8.1	SECTION 228.21	228.21 Performance tests, standards, and ratings, in general.
12:3.0.1.1.8.2.8.2	SECTION 228.22	228.22 Lending test.
12:3.0.1.1.8.2.8.3	SECTION 228.23	228.23 Investment test.
12:3.0.1.1.8.2.8.4	SECTION 228.24	228.24 Service test.
12:3.0.1.1.8.2.8.5	SECTION 228.25	228.25 Community development test for wholesale or limited purpose banks.
12:3.0.1.1.8.2.8.6	SECTION 228.26	228.26 Small bank performance standards.
12:3.0.1.1.8.2.8.7	SECTION 228.27	228.27 Strategic plan.
12:3.0.1.1.8.2.8.8	SECTION 228.28	228.28 Assigned ratings.
12:3.0.1.1.8.2.8.9	SECTION 228.29	228.29 Effect of CRA performance on applications.
12:3.0.1.1.8.3	SUBPART C	Subpart C - Records, Reporting, and Disclosure Requirements
12:3.0.1.1.8.3.8.1	SECTION 228.41	228.41 Assessment area delineation.
12:3.0.1.1.8.3.8.2	SECTION 228.42	228.42 Data collection, reporting, and disclosure.
12:3.0.1.1.8.3.8.3	SECTION 228.43	228.43 Content and availability of public file.
12:3.0.1.1.8.3.8.4	SECTION 228.44	228.44 Public notice by banks.
12:3.0.1.1.8.3.8.5	SECTION 228.45	228.45 Publication of planned examination schedule.
12:3.0.1.1.8.4	SUBPART 0
12:3.0.1.1.8.5.8.1.33	APPENDIX Appendix A	Appendix A to Part 228 - Ratings
12:3.0.1.1.8.5.8.1.34	APPENDIX Appendix B	Appendix B to Part 228 - CRA Notice
12:3.0.1.1.9	PART 229	PART 229 - AVAILABILITY OF FUNDS AND COLLECTION OF CHECKS (REGULATION CC)
12:3.0.1.1.9.1	SUBPART A	Subpart A - General
12:3.0.1.1.9.1.8.1	SECTION 229.1	229.1 Authority and purpose; organization.
12:3.0.1.1.9.1.8.2	SECTION 229.2	229.2 Definitions.
12:3.0.1.1.9.1.8.3	SECTION 229.3	229.3 Administrative enforcement.
12:3.0.1.1.9.2	SUBPART B	Subpart B - Availability of Funds and Disclosure of Funds Availability Policies
12:3.0.1.1.9.2.8.1	SECTION 229.10	229.10 Next-day availability.
12:3.0.1.1.9.2.8.2	SECTION 229.11	229.11 Adjustment of dollar amounts.
12:3.0.1.1.9.2.8.3	SECTION 229.12	229.12 Availability schedule.
12:3.0.1.1.9.2.8.4	SECTION 229.13	229.13 Exceptions.
12:3.0.1.1.9.2.8.5	SECTION 229.14	229.14 Payment of interest.
12:3.0.1.1.9.2.8.6	SECTION 229.15	229.15 General disclosure requirements.
12:3.0.1.1.9.2.8.7	SECTION 229.16	229.16 Specific availability policy disclosure.
12:3.0.1.1.9.2.8.8	SECTION 229.17	229.17 Initial disclosures.
12:3.0.1.1.9.2.8.9	SECTION 229.18	229.18 Additional disclosure requirements.
12:3.0.1.1.9.2.8.10	SECTION 229.19	229.19 Miscellaneous.
12:3.0.1.1.9.2.8.11	SECTION 229.20	229.20 Relation to state law.
12:3.0.1.1.9.2.8.12	SECTION 229.21	229.21 Civil liability.
12:3.0.1.1.9.3	SUBPART C	Subpart C - Collection of Checks
12:3.0.1.1.9.3.8.1	SECTION 229.30	229.30 Electronic checks and electronic information.
12:3.0.1.1.9.3.8.2	SECTION 229.31	229.31 Paying bank's responsibility for return of checks and notices of nonpayment.
12:3.0.1.1.9.3.8.3	SECTION 229.32	229.32 Returning bank's responsibility for return of checks.
12:3.0.1.1.9.3.8.4	SECTION 229.33	229.33 Depositary bank's responsibility for returned checks and notices of nonpayment.
12:3.0.1.1.9.3.8.5	SECTION 229.34	229.34 Warranties and indemnities.
12:3.0.1.1.9.3.8.6	SECTION 229.35	229.35 Indorsements.
12:3.0.1.1.9.3.8.7	SECTION 229.36	229.36 Presentment and issuance of checks.
12:3.0.1.1.9.3.8.8	SECTION 229.37	229.37 Variation by agreement.
12:3.0.1.1.9.3.8.9	SECTION 229.38	229.38 Liability.
12:3.0.1.1.9.3.8.10	SECTION 229.39	229.39 Insolvency of bank.
12:3.0.1.1.9.3.8.11	SECTION 229.40	229.40 Effect of merger transaction.
12:3.0.1.1.9.3.8.12	SECTION 229.41	229.41 Relation to State law.
12:3.0.1.1.9.3.8.13	SECTION 229.42	229.42 Exclusions.
12:3.0.1.1.9.3.8.14	SECTION 229.43	229.43 [Reserved]
12:3.0.1.1.9.4	SUBPART D	Subpart D - Substitute Checks
12:3.0.1.1.9.4.8.1	SECTION 229.51	229.51 General provisions governing substitute checks.
12:3.0.1.1.9.4.8.2	SECTION 229.52	229.52 Substitute check warranties.
12:3.0.1.1.9.4.8.3	SECTION 229.53	229.53 Substitute check indemnity.
12:3.0.1.1.9.4.8.4	SECTION 229.54	229.54 Expedited recredit for consumers.
12:3.0.1.1.9.4.8.5	SECTION 229.55	229.55 Expedited recredit for banks.
12:3.0.1.1.9.4.8.6	SECTION 229.56	229.56 Liability.
12:3.0.1.1.9.4.8.7	SECTION 229.57	229.57 Consumer awareness.
12:3.0.1.1.9.4.8.8	SECTION 229.58	229.58 Mode of delivery of information.
12:3.0.1.1.9.4.8.9	SECTION 229.59	229.59 Relation to other law.
12:3.0.1.1.9.4.8.10	SECTION 229.60	229.60 Variation by agreement.
12:3.0.1.1.9.5	SUBPART 0
12:3.0.1.1.9.6.8.1.35	APPENDIX Appendix A	Appendix A to Part 229 - Routing Number Guide to Next-Day Availability Checks and Local Checks
12:3.0.1.1.9.6.8.1.36	APPENDIX Appendix B	Appendix B to Part 229 [Reserved]
12:3.0.1.1.9.6.8.1.37	APPENDIX Appendix C	Appendix C to Part 229 - Model Availability Policy Disclosures, Clauses, and Notices; Model Substitute Check Policy Disclosure and Notices
12:3.0.1.1.9.6.8.1.38	APPENDIX Appendix D	Appendix D to Part 229 [Reserved]
12:3.0.1.1.9.6.8.1.39	APPENDIX Appendix E	Appendix E to Part 229 - Commentary
12:3.0.1.1.9.6.8.1.40	APPENDIX Appendix F	Appendix F to Part 229 - Official Board Interpretations; Preemption Determinations

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