Title 12

Volume 3 CHAPTER II SUBCHAP A

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

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