[Federal Register Volume 80, Number 246 (Wednesday, December 23, 2015)]
[Proposed Rules]
[Pages 79724-79735]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2015-32312]


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DEPARTMENT OF THE TREASURY

Office of the Comptroller of the Currency

12 CFR Chapter I

[Docket ID FFIEC-2014-0001]

FEDERAL RESERVE SYSTEM

12 CFR Chapter II

[Docket No. R-1510]

FEDERAL DEPOSIT INSURANCE CORPORATION

12 CFR Chapter III


Regulatory Publication and Review Under the Economic Growth and 
Regulatory Paperwork Reduction Act of 1996

AGENCY: Office of the Comptroller of the Currency (``OCC''), Treasury; 
Board of Governors of the Federal Reserve System (``Board''); and 
Federal Deposit Insurance Corporation (``FDIC'').

ACTION: Notice of regulatory review; request for comments.

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SUMMARY: The OCC, Board, and FDIC (each an ``Agency''; together ``we'' 
or ``Agencies'') are conducting a review of the regulations we have 
issued in order to identify outdated or otherwise unnecessary 
regulatory requirements imposed on insured depository institutions, as 
required by the Economic Growth and Regulatory Paperwork Reduction Act 
of 1996 (EGRPRA). EGRPRA requires the Agencies to organize the 
regulations into categories and publish groups of categories for 
comment. In this notice, the Agencies are seeking public comment on 
regulations in the following categories: Rules of Procedure; Safety and 
Soundness; and Securities. We have listed these rules on a chart 
included with this notice.
    In addition, as we previously announced, the Agencies have expanded 
the scope of the EGRPRA review to include the Agencies' recently issued 
final rules. Accordingly, in this notice, the Agencies invite the 
public to comment on any Agency final rule not included in a previous 
EGRPRA Federal Register notice. To facilitate identification of these 
recently issued rules, we have included with this notice a separate 
chart that lists these rules.
    Finally, in order to be as inclusive as possible, the Agencies also 
invite comment during the comment period for this notice on any Agency 
rule that is issued in final form on or before December 31, 2015. We 
will list these

[[Page 79725]]

rules on the EGRPRA Web site, http://egrpra.ffiec.gov/. The public may 
also comment on any other Agency rule, including rules covered by the 
three prior notices during the open comment period for this notice.

DATES: Written comments must be received by no later than March 22, 
2016.

ADDRESSES: Any interested individual may submit comments through the 
EGRPRA Web site during open comment periods at: http://egrpra.ffiec.gov/submit-comment/submit-comment-index.html. On this 
site, click ``Submit a Comment'' and follow the instructions. 
Alternatively, comments also may be submitted through the Federal 
eRulemaking Portal ``Regulations.gov'' at: http://www.regulations.gov. 
Enter ``Docket ID FFIEC-2014-0001'' in the Search Box, click 
``Search,'' and click ``Comment Now.'' Those who wish to submit their 
comments by an alternate means may do so as indicated by each Agency 
below.

OCC

    The OCC encourages commenters to submit comments through the 
Federal eRulemaking Portal, Regulations.gov, in accordance with the 
previous paragraph. Alternatively, comments may be emailed to 
[email protected] or sent by mail to Legislative and 
Regulatory Activities Division, Office of the Comptroller of the 
Currency, Mail Stop 9W-11, 400 7th Street SW., Washington, DC 20219. 
Comments also may be faxed to (571) 465-4326 or hand delivered or sent 
by courier to 400 7th Street SW., Washington, DC 20219. For comments 
submitted by any means other than Regulations.gov, you must include 
``OCC'' as the Agency name and ``Docket ID FFIEC-2014-0001'' in your 
comment.
    In general, the OCC will enter all comments received into the 
docket and publish them without change on Regulations.gov. Comments 
received, including attachments and other supporting materials, as well 
as any business or personal information you provide, such as your name 
and address, email address, or phone number, are part of the public 
record and subject to public disclosure. Therefore, please do not 
include any information with your comment or supporting materials that 
you consider confidential or inappropriate for public disclosure.
    You may inspect and photocopy in person all comments received by 
the OCC at 400 7th Street SW., Washington, DC 20219. For security 
reasons, the OCC requires that visitors make an appointment to inspect 
or photocopy comments. You may make an appointment by calling (202) 
649-6700 or, for persons who are deaf or hard of hearing, TTY (202) 
649-5597. Upon arrival, visitors will be required to present valid 
government-issued photo identification and submit to a security 
screening.

Board

    The Board encourages commenters to submit comments regarding the 
Board's regulations by any of the following methods:
     Agency Web site: http://www.federalreserve.gov/apps/foia/proposedregs.aspx. Follow the instructions for submitting comments on 
the Agency Web site.
     Federal eRulemaking Portal, in accordance with the 
directions above.
     Email: [email protected]. Include 
``EGRPRA'' and Docket No. R-1510 in the subject line of the message.
     FAX: (202) 452-3819.
     Mail: Robert deV. Frierson, Secretary, Board of Governors 
of the Federal Reserve System, 20th Street and Constitution Avenue NW., 
Washington, DC 20551.
    In general, the Board will enter all comments received into the 
docket and publish them without change on the Board's public Web site 
www.federalreserve.gov; Regulations.gov; and http://egrpra.ffiec.gov. 
Comments received, including attachments and other supporting 
materials, as well as any business or personal information you provide, 
such as your name and address, email address, or phone number, are part 
of the public record and subject to public disclosure. Therefore, 
please do not enclose any information with your comment or supporting 
materials that you consider confidential or inappropriate for public 
disclosure.
    You may inspect and photocopy in person all comments received by 
the Board in Room 3515, 1801 K Street NW., (between 18th and 19th 
Street NW.,) Washington, DC 20006, between 9:00 a.m. and 5:00 p.m. on 
weekdays. For security reasons, the Board requires that visitors make 
an appointment to inspect comments. You may make an appointment by 
calling (202) 452-3000. Upon arrival, visitors will be required to 
present valid government-issued photo identification and submit to a 
security screening.

FDIC

    The FDIC encourages commenters to submit comments through the 
Federal eRulemaking Portal, ``Regulations.gov,'' in accordance with the 
directions above. Alternatively, you may submit comments by any of the 
following methods:
     Agency Web site: http://www.fdic.gov/regulations/laws/federal. Follow instructions for submitting comments on the Agency Web 
site.
     Email: [email protected]. Include ``EGRPRA'' in the 
subject line of the message.
     Mail: Robert E. Feldman, Executive Secretary, Attention: 
Comments, Federal Deposit Insurance Corporation, 550 17th Street NW., 
Washington, DC 20429.
     Hand Delivery/Courier: Guard station at the rear of the 
550 17th Street Building (located on F Street) on business days between 
7:00 a.m. and 5:00 p.m. (EDT).
    The FDIC will post all comments received to http://www.fdic.gov/regulations/laws/federal without change, including any personal 
information provided. Comments may be inspected and photocopied in the 
FDIC Public Information Center, 3501 North Fairfax Drive, Room E-1002, 
Arlington, VA 22226, between 9:00 a.m. and 5:00 p.m. (EDT) on business 
days. Paper copies of public comments may be ordered from the Public 
Information Center by calling (877) 275-3342.

FOR FURTHER INFORMATION CONTACT: OCC: Karen McSweeney, Counsel (202) 
649-6295; Heidi M. Thomas, Special Counsel (202) 649-5490; Rima 
Kundnani, Attorney (202) 649-5545; for persons who are deaf or hard of 
hearing, TTY (202) 649-5597.
    Board: Claudia Von Pervieux, Counsel (202) 452-2552; Brian 
Phillips, Attorney (202) 452-3321; for persons who are deaf or hard of 
hearing, TTY (202) 263-4869.
    FDIC: Ruth R. Amberg, Assistant General Counsel (202) 898-3736; Ann 
Taylor, Supervisory Counsel (202) 898-3573; for persons who are deaf or 
hard of hearing, TTY 1-800-925-4618.

SUPPLEMENTARY INFORMATION:

I. Introduction

    Section 2222 of EGRPRA \1\ requires that, not less frequently than 
once every 10 years, the Federal Financial Institutions Examination 
Council

[[Page 79726]]

(FFIEC),\2\ along with the Agencies,\3\ conduct a review of their 
regulations to identify outdated or otherwise unnecessary requirements 
imposed on insured depository institutions.\4\ The EGRPRA regulatory 
review provides an opportunity for the public and the Agencies to look 
at groups of related regulations and to identify opportunities for 
burden reduction. For example, the EGRPRA review may facilitate the 
identification of statutes and regulations that share similar goals or 
complementary methods where one or more Agencies could eliminate 
overlapping requirements. Alternatively, commenters may identify 
regulations or statutes that impose requirements that are no longer 
consistent with the way that business is conducted and that the 
Agencies should eliminate or revise.
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    \1\ Public Law 104-208 (1996), codified at 12 U.S.C. 3311.
    \2\ The FFIEC is an interagency body empowered to prescribe 
uniform principles, standards, and report forms for the Federal 
examination of financial institutions and to make recommendations to 
promote uniformity in the supervision of financial institutions. The 
FFIEC does not issue regulations that impose burden on financial 
institutions and, therefore, we have not separately captioned the 
FFIEC in this notice.
    \3\ The FFIEC is comprised of the OCC, Board, FDIC, National 
Credit Union Administration (NCUA), Consumer Financial Protection 
Bureau (CFPB), and State Liaison Committee. Of these, only the OCC, 
Board, and FDIC are statutorily required to undertake the EGRPRA 
review. The NCUA elected to participate in the first EGRPRA review 
10 years ago, and the NCUA Board again has elected to participate in 
this review process. Consistent with its approach during the first 
EGRPRA review, the NCUA will separately issue notices and requests 
for comment on its rules. The CFPB is required to review its 
significant rules and publish a report of its review no later than 
five years after they take effect. See 12 U.S.C. 5512(d). This 
process is separate from the EGRPRA process.
    \4\ Insured depository institutions also are subject to 
regulations that are not required to be reviewed under the EGRPRA 
process. Examples include rules for which rulemaking authority has 
transferred to the CFPB and anti-money laundering regulations issued 
by the Department of the Treasury's Financial Crimes Enforcement 
Network, among others. If, during the EGRPRA review, the Agencies 
receive a comment about a regulation that is not subject to the 
EGRPRA review, we will forward that comment to the appropriate 
agency.
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    In addition to providing an opportunity to consider burden 
reduction generally, the EGRPRA review also provides the Agencies and 
the public with an opportunity to consider burden reduction on 
community banks and other small, insured depository institutions or 
holding companies. We are keenly aware of the role that these 
institutions play in providing consumers and businesses across the 
nation with essential financial services and access to credit, and we 
are concerned about the impact of regulatory burden on these smaller 
institutions. We understand that when an Agency issues a new regulation 
or amends a current regulation, smaller institutions may have to devote 
considerable resources to determine if and how the regulation will 
affect them. Through the public comment process, the EGRPRA review can 
help the Agencies identify and target regulatory changes to reduce 
unnecessary burden on these smaller institutions.
    Burden reduction must, however, be consistent with the Agencies' 
statutory mandates, many of which require the issuance of regulations. 
These mandates include ensuring the safety and soundness of insured 
depository institutions, their affiliates, and the financial system as 
a whole. EGRPRA recognizes that effective burden reduction may require 
legislative change. Accordingly, as part of this review, we 
specifically ask the public to comment on the relationships among 
burden reduction, regulatory requirements, and statutory mandates.
    In addition, we note that the Agencies consider potential 
regulatory burden each time we propose, adopt, or amend a rule. For 
example, under the Paperwork Reduction Act of 1995 and the Regulatory 
Flexibility Act, the Agencies assess each rulemaking with respect to 
the burdens the rule might impose. Furthermore, we invite the public to 
comment on every rule we propose, as required by the Administrative 
Procedure Act (APA).

II. The EGRPRA Review Process

    Taken together for purposes of EGRPRA, the Agencies' regulations 
covering insured depository institutions encompass more than 100 
subjects.\5\ Consistent with the EGRPRA statute, the Agencies grouped 
these regulations into the following 12 regulatory categories: 
Applications and Reporting; Banking Operations; Capital; Community 
Reinvestment Act; Consumer Protection; \6\ Directors, Officers and 
Employees; International Operations; Money Laundering; Powers and 
Activities; Rules of Procedure; Safety and Soundness; and Securities. 
To determine these categories, we divided the regulations by type and 
sought to have no category be too large or broad.
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    \5\ Consistent with EGRPRA's focus on reducing burden on insured 
depository institutions, the Agencies have not included their 
internal, organizational, or operational regulations in this review.
    \6\ As we have previously noted, the Agencies are seeking 
comment only on those consumer protection regulations for which we 
retain rulemaking authority for insured depository institutions and 
regulated holding companies following passage of section 1061 of the 
Dodd-Frank Wall Street Reform and Consumer Protection Act, Public 
Law 111-203 (2010) (Dodd-Frank Act), codified at 12 U.S.C. 5581(b).
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    To carry out the EGRPRA review, the Agencies have published three 
Federal Register notices, each addressing one or more categories of 
rules. Each Federal Register notice provided a 90-day comment period. 
On June 4, 2014, the Agencies published the first such notice, seeking 
comment on three categories of rules: Applications and Reporting; 
Powers and Activities; and International Operations.\7\ On February 13, 
2015, the Agencies published the second notice, seeking comment on 
three additional categories of rules: Banking Operations; Capital; and 
the Community Reinvestment Act.\8\ On June 5, 2015, the Agencies 
published the third notice, seeking comment on three additional 
categories: Consumer Protection; Directors, Officers and Employees; and 
Money Laundering (Third Notice).\9\ The comment period for the Third 
Notice closed on September 3, 2015.
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    \7\ 79 FR 32172.
    \8\ 80 FR 7980.
    \9\ 80 FR 32046. Together, the three EGRPRA notices are referred 
to as the ``Prior Notices.''
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    In the Third Notice, the Agencies also announced their decision to 
expand the scope of the EGRPRA review to include recently issued rules, 
such as those issued pursuant to the Dodd-Frank Act and the recently 
promulgated domestic capital and liquidity rules. The Agencies 
identified these rules, referred to as ``Newly Listed Rules,'' on a 
chart included with the Third Notice. The Third Notice stated that the 
public could comment on the Newly Listed Rules during the comment 
period for the final EGRPRA notice.
    Today, we are publishing the fourth and final EGRPRA notice, 
addressing the categories of Rules of Procedure; Safety and Soundness; 
and Securities. We invite the public to identify outdated, unduly 
burdensome, or otherwise unnecessary regulatory requirements imposed on 
insured depository institutions and their holding companies in these 
three categories. Chart A in Section IV contains the Agencies' rules in 
these three categories, including the Newly Listed Rules in these three 
categories. In addition, consistent with the expanded scope of the 
EGRPRA review, we invite the public to identify outdated, unduly 
burdensome, or otherwise unnecessary regulatory requirements imposed on 
insured depository institutions and their holding companies by the 
Newly Listed Rules in the nine categories covered by the Prior Notices. 
Chart B in Section IV contains the Newly Listed Rules in

[[Page 79727]]

these nine categories, including rules issued in final form since the 
Third Notice.
    Finally, in order to be as inclusive as possible, the Agencies 
invite comment on any other rule issued in final form on or before 
December 31, 2015, which will be listed on the EGRPRA Web site, http://egrpra.ffiec.gov/. Furthermore, as has been the practice of the 
Agencies, we invite comment on any of the Agencies' final rules 
included in this EGRPRA review during the open comment period for this 
notice.
    As part of the EGRPRA review, the Agencies have held a series of 
outreach meetings around the country to provide an opportunity for 
bankers, consumer and community groups, and other interested persons to 
present their views directly to Agency senior management and staff on 
any of the regulations in the EGRPRA review. The Agencies held a final 
outreach meeting on December 2, 2015, in the Washington, DC area. 
Transcripts from and other information about the outreach meetings can 
be found on the Agencies' EGRPRA Web site, http://egrpra.ffiec.gov.
    Following the close of the comment period for this final notice, 
the Agencies will review all of the comments we have received and 
decide whether further action is appropriate with respect to the 
regulations. The Agencies will make this decision jointly in the case 
of rules that we have issued on an interagency basis. For rules issued 
by one Agency, the issuing Agency will review the comments received and 
independently determine whether amendments to or repeal of its rules 
are appropriate. If so, that Agency will initiate a rulemaking to 
effect such change.
    Finally, EGRPRA also requires the FFIEC or the Agencies to publish 
in the Federal Register a summary of the comments received, identifying 
significant issues raised and commenting on these issues. It also 
directs the Agencies to eliminate unnecessary regulations to the extent 
that such action is appropriate. The statute additionally requires the 
FFIEC to submit to Congress a report that summarizes any significant 
issues raised in the public comments and the relative merits of such 
issues. The report also must include an analysis of whether the 
Agencies are able to address the regulatory burdens associated with 
such issues or whether these burdens must be addressed by legislative 
action.

III. Request for Burden Reduction Comments on Regulations in the Rules 
of Procedure, Safety and Soundness, and Securities Categories; on Newly 
Listed Rules in the Other Categories of Regulations; and on Any Other 
Final Rule Issued by December 31, 2015

    As stated previously in this notice, the Agencies are asking the 
public to comment on regulations in the Rules of Procedure; Safety and 
Soundness; and Securities categories. Chart A in Section IV contains 
the Agencies' rules that are in these three categories. The Agencies 
are also asking the public to comment on the Newly Listed Rules in the 
nine categories covered by the Prior Notices. Chart B in Section IV 
contains the Newly Listed Rules. Both charts include any rules issued 
on or before December 23, 2015. The Agencies will also accept comment 
during the open comment period of this notice on any other Agency rule 
issued in final form by December 31, 2015. In addition, we will accept 
comments on any of the Agencies' rules, including those rules in 
categories covered in the Prior Notices.
    Where possible, we ask commenters to cite specific regulatory 
language or provisions. We also welcome suggested alternative 
provisions or language in support of a comment, where appropriate. 
Where implementation of a suggestion would require modification of a 
statute, we ask the commenter to identify the statute and the needed 
change, where possible.
    Specific issues for commenters to consider. The Agencies 
specifically invite comment on the following issues as they pertain to 
(a) the Agencies' Rules of Procedure; Safety and Soundness rules; and 
Securities rules, on Chart A; (b) any of the Newly Listed Rules on 
Chart B; and (c) any other Agency rule that is issued in final form by 
December 31, 2015.
     Need for statutory change. (1) Do any statutory 
requirements underlying the rules in these categories impose outdated 
or otherwise unnecessary regulatory requirements? (2) If so, please 
identify the statutes and indicate how they should be amended.
     Need and purpose of the regulations. (1) Have there been 
changes in the financial services industry, consumer behavior, or other 
circumstances that cause any regulations in these categories to be 
outdated or otherwise unnecessary? (2) If so, please identify and 
indicate how they should be amended. (3) Do any of these regulations 
impose burdens not required by their underlying statutes? (4) If so, 
please identify the regulations and indicate how they should be 
amended.
     Overarching approaches/flexibility. (1) With respect to 
the regulations in these categories, could an Agency use a different 
approach to lessen the burden imposed by the regulations and achieve 
statutory intent? (2) Do any of these rules impose unnecessarily 
inflexible requirements? (3) If so, please identify the regulations and 
indicate how they should be amended.
     Effect on competition. (1) Do any of the regulations or 
underlying statutes create competitive disadvantages for one part of 
the financial services industry compared to another or for one type of 
insured depository institution compared to another? (2) If so, please 
identify the regulations and indicate how they should be amended.
     Reporting, recordkeeping and disclosure requirements. (1) 
Do any of the regulations or underlying statutes in these categories 
impose outdated or otherwise unnecessary reporting, recordkeeping, or 
disclosure requirements on insured depository institutions or their 
holding companies? (2) Could a financial institution fulfill any of 
these requirements electronically (if it is not already permitted to do 
so) and experience burden reduction? (3) If so, please identify the 
regulations and indicate how they should be amended.
     Unique characteristics of a type of institution. (1) Do 
any of the regulations or underlying statutes in these categories 
impose requirements that are unwarranted by the unique characteristics 
of a particular type of insured depository institution or holding 
company? (2) If so, please identify the regulations and indicate how 
they should be amended.
     Clarity. (1) Are the regulations in these categories clear 
and easy to understand? (2) Are there specific regulations for which 
clarification is needed? (3) If so, please identify the regulations and 
indicate how they should be amended.
     Burden on community banks and other smaller, insured 
depository institutions. (1) Are there regulations or underlying 
statutes in these categories that impose outdated or otherwise 
unnecessary requirements on a substantial number of community banks or 
other smaller, insured depository institutions or holding companies? 
(2) Have the Agencies issued regulations pursuant to a common statute 
that, as applied by the Agencies, create redundancies or impose 
inconsistent requirements? (3) Should any of these regulations be 
amended or repealed in order to minimize this impact? (4) If so,

[[Page 79728]]

please identify the regulations and indicate how they should be 
amended.
     Scope of rules. (1) Is the scope of each rule in these 
categories consistent with the intent of the underlying statute(s)? (2) 
Could we amend the scope of a rule to clarify its applicability or 
reduce burden, while remaining faithful to statutory intent? (3) If so, 
please identify the regulations and indicate how they should be 
amended.

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                                                         State  member     State  non-member    Federal savings      State savings
             Subject                National  banks          banks               banks           associations        associations     BHCs & FHCs  SLHCs
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                                                                 10. Rules of Procedure
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                                                                 Interagency Regulations
--------------------------------------------------------------------------------------------------------------------------------------------------------
Uniform Rules of Practice and     12 CFR Part 19,     12 CFR Part 263     12 CFR Part 308     12 CFR Part 109,    12 CFR Part         12 CFR Part 263.
 Procedure.                        Subpart A.                                                  Subpart A.          390.30.
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                                                                     OCC Regulations
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National Bank Voluntary           12 CFR 5.48.
 Liquidation.
Federal Savings Association--                                                                 12 CFR Part 112.
 Investigative Proceedings and
 Formal Examinations.
Federal Savings Association--                                                                 12 CFR Part 158.
 Possession by Conservators and
 Receivers for Federal and State
 Savings Associations.
Federal Savings Association--                                                                 12 CFR Part 108.
 Removals, Suspensions and
 Prohibitions Where a Crime is
 Charged or Proven.
Rules of Practice and Procedure.  12 CFR Part 19,                                             12 CFR Part 109,
                                   Subparts B-P.                                               Subpart B.
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                    FDIC Regulations
--------------------------------------------------------------------------------------------------------------------------------------------------------
Orderly Liquidation Authority...                                                                                                      12 CFR Part 380.
                                                                                                                                      12 CFR Part 380.
Resolution and Receivership       12 CFR Part 360     12 CFR Part 360     12 CFR Part 360     12 CFR Part 360     12 CFR Part 360.
 Rules.
Recordkeeping Requirements for    12 CFR Part 371     12 CFR Part 371     12 CFR Part 371     12 CFR Part 371     12 CFR Part 371.
 Qualified Financial Contracts.
Restrictions on Sale of Assets    12 CFR Part 340     12 CFR Part 340     12 CFR Part 340     12 CFR Part 340     12 CFR Part 340.
 by the Federal Deposit
 Insurance Corporation.
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[[Page 79729]]

 
                                                                11. Safety and Soundness
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                 Interagency Regulations
--------------------------------------------------------------------------------------------------------------------------------------------------------
Appraisals: Higher-priced         12 CFR Part 34,     12 CFR 226.43; 12   12 CFR Part 1026    12 CFR Part 34,                         12 CFR 226.43; 12
 Mortgages.                        Subpart G.          CFR Part 226,       [Reg. Z].           Subpart G.                              CFR Part 226,
                                                       Appx. N and O,                                                                  Appx. N and O,
                                                       and Supp. I [Reg.                                                               and Supp. I [Reg.
                                                       Z].                                                                             Z].
                                                                                                                                      12 CFR 226.43; 12
                                                                                                                                       CFR Part 226,
                                                                                                                                       Appx. N and O,
                                                                                                                                       and Supp. I [Reg.
                                                                                                                                       Z].
Appraisals: Minimum Requirements  12 CFR part 34,     12 CFR 208.50       12 CFR Part 323,    12 CFR part 34,     12 CFR Part 323     12 CFR Part 225,
 for Appraisal Management          Subpart H.          [Reg. H]; 12 CFR    Subpart B.          Subpart H.          Subpart B.          Subpart M [Reg.
 Companies.                                            Part 225, Subpart                                                               Y].
                                                       M [Reg. Y].
Appraisals: Standards for         12 CFR Part 34,     12 CFR 208.50       12 CFR Part 323     12 CFR Part 34,     12 CFR Part 323     12 CFR Part 225,
 Federally-Related Transactions.   Subpart C.          [Reg. H]; 12 CFR                        Subpart C.                              Subpart G [Reg.
                                                       Part 225, Subpart                                                               Y].
                                                       G [Reg. Y].
Credit Risk Retention...........  12 CFR Part 43      12 CFR Part 244     12 CFR Part 373     12 CFR Part 43      12 CFR Part 373     12 CFR Part 244
                                                       [Reg. RR].                                                                      [Reg. RR].
                                                                                                                                      12 CFR Part 244
                                                                                                                                       [Reg. RR].
Frequency of Safety and           12 CFR 4.6-.7       12 CFR 208.64       12 CFR 337.12       12 CFR 4.6 (See     12 CFR 390.351.
 Soundness Examination.                                [Reg. H].                               also, 12 CFR
                                                                                               163.170).
Lending Limits..................  12 CFR Part 32      12 CFR Part 215,    12 CFR 337.3        12 CFR Part 32      12 CFR 390.338.
                                                       Subpart A [Reg.
                                                       O].
Liquidity Risk..................  12 CFR Part 50      12 CFR Part 249     12 CFR Part 329     12 CFR Part 50      12 CFR Part 329     12 CFR Part 249
                                                       [Reg. WW].                                                                      [Reg. WW].
                                                                                                                                      12 CFR Part 249
                                                                                                                                       [Reg. WW].
Real Estate Lending Standards...  12 CFR Part 34,     12 CFR Part 208,    12 CFR Part 365     12 CFR 160.100; 12  12 CFR Part 390,    12 CFR Part 225,
                                   Subpart D.          Subpart E and                           CFR 163.101         Subpart P.          Subpart G [Reg.
                                                       Appx. C [Reg. H].                                                               Y].
Resolution Plans................                                                                                                      12 CFR Part 381;
                                                                                                                                       12 CFR Part 243
                                                                                                                                       [Reg. QQ].
Security Devices and Procedures.  12 CFR Part 21,     12 CFR 208.61       12 CFR Part 326,    12 CFR Part 168     12 CFR Part 391,
                                   Subpart A.          [Reg. H].           Subpart A.                              Subpart A.
Standards for Safety and          12 CFR Part 30      12 CFR Part 208,    12 CFR Part 364     12 CFR Part 30      12 CFR Part 364.
 Soundness.                                            Appx. D-1 [Reg.
                                                       H].
Transactions with Affiliates....  12 CFR Part 223     12 CFR Part 223     12 CFR Part 223     12 CFR 163.41       12 CFR 390.337.
                                   [Reg. W]; 12 CFR    [Reg. W].           [Reg. W].
                                   Part 31.
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                                                                     OCC Regulations
--------------------------------------------------------------------------------------------------------------------------------------------------------
Heightened Expectations           12 CFR Part 30,                                             12 CFR Part 30,
 Guidelines.                       Appx. D.                                                    Appx. D.
National Bank--Other Real Estate  12 CFR Part 34,
 Owned.                            Subpart E.
Federal Savings Association--                                                                 12 CFR Part 163,
 Financial Management Policies.                                                                Subpart F (See
                                                                                               also 12 CFR
                                                                                               5.59(e)(7)
                                                                                               (service
                                                                                               corporations
                                                                                               only)).

[[Page 79730]]

 
Savings Association--Lending and                                                              12 CFR Part 160     12 CFR Part 160
 Investment Additional Safety                                                                                      (Lending and
 and Soundness Limitations.                                                                                        Investment).
Savings Associations and Savings                                                              12 CFR 162.4; See
 Association Holding Companies                                                                 also, 12 CFR Part
 Audits.                                                                                       363.
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                                                                    Board Regulations
--------------------------------------------------------------------------------------------------------------------------------------------------------
Appraisals: Appraiser                                 12 CFR 226.42; 12   12 CFR Part 1026                                            12 CFR 226.42; 12
 Independence.                                         CFR Part 226,       [Reg. Z].                                                   CFR Part 226,
                                                       Supp. I [Reg. Z].                                                               Supp. I [Reg. Z].
                                                                                                                                      12 CFR 226.42; 12
                                                                                                                                       CFR Part 226,
                                                                                                                                       Supp. I [Reg. Z].
Definitions related to the                                                                                                            12 CFR Part 242
 Financial Stability Oversight                                                                                                         [Reg. PP].
 Council.
Enhanced Prudential Standards                                                                                                         12 CFR Part 252,
 Risk Committee Requirement (for                                                                                                       Subparts B and C
 certain BHCs) Standards for                                                                                                           [Reg. YY].
 BHCs with consolidated assets
 $50 billion or more.
Extensions of Credit by Federal   12 CFR Part 201     12 CFR Part 201     12 CFR Part 201     12 CFR Part 201     12 CFR Part 201
 Reserve Banks.                    [Reg. A].           [Reg. A].           [Reg. A].           [Reg. A].           [Reg. A].
Financial Market Utilities......                      12 CFR Part 234
                                                       [Reg. HH]
Limitations on Interbank          12 CFR Part 206     12 CFR Part 206     12 CFR Part 206     12 CFR Part 206     12 CFR Part 206
 Liabilities.                      [Reg. F].           [Reg. F].           [Reg. F].           [Reg. F].           [Reg. F].
Securities Holding Companies....                                                                                                      12 CFR Part 241
                                                                                                                                       [Reg. OO]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                    FDIC Regulations
--------------------------------------------------------------------------------------------------------------------------------------------------------
Annual Independent Audits and     12 CFR Part 363     12 CFR Part 363     12 CFR Part 363     12 CFR Part 363;    12 CFR Part 363;
 Reporting Requirements.                                                                       See also, 12 CFR    See also, 12 CFR
                                                                                               162.4.              390.322.
Resolution Plans................  12 CFR Part 360.10  12 CFR Part 360.10  12 CFR Part 360.10  12 CFR Part         12 CFR Part
                                                                                               360.10.             360.10.
Unsafe and Unsound Banking                                                12 CFR 337.2.
 Practices Standby Letters of
 Credit.
Unsafe and Unsound Banking        12 CFR 337.6        12 CFR 337.6        12 CFR 337.6        12 CFR 337.6        12 CFR 337.6.
 Practices Brokered Deposits.
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                     12. Securities
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                 Interagency Regulations
--------------------------------------------------------------------------------------------------------------------------------------------------------
Banks as Registered Clearing      12 CFR 19.135       12 CFR 208.32-33    12 CFR Part 308,
 Agencies.                                             [Reg. H].           Subpart S.
Banks as Securities Transfer      12 CFR 9.20         12 CFR 208.31       12 CFR Part 341.
 Agents.                                               [Reg. H].

[[Page 79731]]

 
Government Securities Sales       12 CFR Part 13      12 CFR 208.37       12 CFR Part 368.
 Practices.                                            [Reg. H].
Recordkeeping and Confirmation    12 CFR Part 12      12 CFR 208.34       12 CFR Part 344     12 CFR Part 151     12 CFR Part 344.
 of Securities Transactions                            [Reg. H].
 Effected by Banks.
Reporting Requirements for        12 CFR Part 11      12 CFR 208.36       12 CFR Part 335     12 CFR Part 194     12 CFR Part 335.
 Reported Securities Under the                         [Reg. H]
 Securities Exchange Act of 1934.
Securities Offerings............  12 CFR Part 16                                              12 CFR Part 197     12 CFR Part 390,
                                                                                                                   Subpart W.
Swaps Margin....................  12 CFR Part 45      12 CFR Part 237     12 CFR Part 349     12 CFR Part 45      12 CFR Part 349.
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                     OCC Regulations
--------------------------------------------------------------------------------------------------------------------------------------------------------
National Bank--Municipal          12 CFR Part 10.
 Securities Dealer Activities of
 Banks.
Federal Savings Association--                                                                 12 CFR Part 193.
 Accounting Requirements and
 Financial Statements.
Savings Association--Proxies....                                                              12 CFR Part 169     12 CFR Part 169.
Federal Savings Association--                                                                 12 CFR 163.5; 12
 Rules on the Issuance and Sale                                                                CFR Part 163,
 of Institution Securities.                                                                    Subpart C.
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                    Board Regulations
--------------------------------------------------------------------------------------------------------------------------------------------------------
Credit by Banks and Persons       12 CFR Part 221     12 CFR Part 221     12 CFR Part 221     12 CFR Part 221     12 CFR Part 221     12 CFR Part 221
 Other than Brokers or Dealers     [Reg. U].           [Reg. U].           [Reg. U].           [Reg. U].           [Reg. U].           [Reg. U].
 for the Purpose of Purchasing                                                                                                        12 CFR Part 221
 or Carrying Margin Stock.                                                                                                             [Reg. U].
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                              1. Applications and Reporting
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                 Interagency Regulations
--------------------------------------------------------------------------------------------------------------------------------------------------------
Bank Merger Act.................  12 CFR 5.33                                                 12 CFR 5.33.
Change in Bank Control..........  12 CFR Part 5.50                        12 CFR Part 303     12 CFR Part 5.50    12 CFR Part 303
                                                                           Subpart E.                              Subpart E.
Notice of Addition or Change of   12 CFR 5.51                                                 12 CFR 5.51.
 Directors.
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                     OCC Regulations
--------------------------------------------------------------------------------------------------------------------------------------------------------
Rules, Policies, and Procedures   12 CFR Part 5                                               12 CFR Part 5
 for Corporate Activities.                                                                     (Generally).
Federal Savings Association                                                                   12 CFR 5.55.
 Capital Distribution.

[[Page 79732]]

 
Federal Mutual Savings                                                                        12 CFR 5.20; 12
 Associations--Incorporation,                                                                  CFR 5.21; 12 CFR
 Organization and Conversion; or                                                               5.23; 12 CFR
 Merger, Dissolution,                                                                          5.25; 12 CFR
 Reorganization and Conversion.                                                                5.33; 12 CFR
                                                                                               5.48.
Federal Stock Savings                                                                         12 CFR 5.20; 12
 Associations-Incorporation,                                                                   CFR 5.22; 12 CFR
 Organization and Conversion.                                                                  5.23; 12 CFR
                                                                                               5.25; 12 CFR
                                                                                               5.33; 12 CFR
                                                                                               5.48.
Federal Savings Association                                                                   12 CFR 5.31; 12
 Offices.                                                                                      CFR 5.40; 12 CFR
                                                                                               5.52.
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                    Board Regulations
--------------------------------------------------------------------------------------------------------------------------------------------------------
Concentration Limits............  12 CFR Part 251     12 CFR Part 251     12 CFR Part 251     12 CFR Part 251     12 CFR Part 251     12 CFR Part 251
                                   [Reg. XX].          [Reg. XX].          [Reg. XX].          [Reg. XX].          [Reg. XX].          [Reg. XX].
                                                                                                                                      12 CFR Part 251
                                                                                                                                       [Reg. XX].
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                2. Powers and Activities
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                 Interagency Regulations
--------------------------------------------------------------------------------------------------------------------------------------------------------
Proprietary Trading and           12 CFR Part 44      12 CFR Part 248     12 CFR Part 351     12 CFR Part 44      12 CFR Part 351     12 CFR Part 248
 Relationships with Covered                            [Reg. VV].                                                                      [Reg. VV].
 Funds.                                                                                                                               12 CFR Part 248
                                                                                                                                       [Reg. VV].
Retail Foreign Exchange           12 CFR Part 48      12 CFR Part 240     12 CFR Part 349     12 CFR Part 48      12 CFR Part 349     12 CFR Part 240
 Transactions.                                         [Reg. NN].                                                                      [Reg. NN].
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                     OCC Regulations
--------------------------------------------------------------------------------------------------------------------------------------------------------
Federal Savings Association                                                                   12 CFR 5.26; 12
 Fiduciary Powers.                                                                             CFR Part 150.
Federal Savings Association                                                                   See also Federal
 General.                                                                                      Stock
                                                                                               Associations
                                                                                               provisions on
                                                                                               chartering,
                                                                                               organization and
                                                                                               bylaws at 12 CFR
                                                                                               5.20; 12 CFR
                                                                                               5.21.
                                                                                              See also Federal
                                                                                               Mutual Savings
                                                                                               Associations
                                                                                               provisions on
                                                                                               chartering,
                                                                                               organization and
                                                                                               bylaws at 12 CFR
                                                                                               5.20; 12 CFR 5.22.
Federal Savings Association                                                                   12 CFR Part
 Lending and Investment.                                                                       160.32; 12 CFR
                                                                                               160.35.
                                                                                              See also 12 CFR
                                                                                               5.37; 12 CFR
                                                                                               5.58; 12 CFR
                                                                                               7.1000; 12 CFR
                                                                                               7.3001.

[[Page 79733]]

 
Federal Savings Association                                                                   12 CFR 5.38; 12
 Subordinate Organizations.                                                                    CFR 5.59.
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                    Board Regulations
--------------------------------------------------------------------------------------------------------------------------------------------------------
Proprietary Trading and                                                                                                               12 CFR Part 225,
 Relationships with Covered                                                                                                            Subpart K [Reg.
 Funds.                                                                                                                                Y].
                                                                                                                                      12 CFR Part 225,
                                                                                                                                       Subpart K [Reg.
                                                                                                                                       Y].
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                               3. International Operations
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                    Board Regulations
--------------------------------------------------------------------------------------------------------------------------------------------------------
Foreign Banking Organizations:                                                                                                        12 CFR Part 252
 Stress Tests, Risk Committee                                                                                                          Subparts L-O and
 Requirements, and Enhanced                                                                                                            U [Reg. YY].
 Prudential Standards.
Swaps Entities..................                      12 CFR Part 237                                                                 12 CFR Part 237
                                                       [Reg. KK].                                                                      [Reg. KK].
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                  4. Banking Operations
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                    Board Regulations
--------------------------------------------------------------------------------------------------------------------------------------------------------
Assessment of Fees..............                                                                                                      12 CFR Part 246
                                                                                                                                       [Reg. TT].
                                                                                                                                      12 CFR Part 246
                                                                                                                                       [Reg. TT].
Debit Card Interchange Fees.....  12 CFR Part 235     12 CFR Part 235     12 CFR Part 235     12 CFR Part 235     12 CFR Part 235
                                   [Reg. II].          [Reg. II].          [Reg. II].          [Reg. II].          [Reg. II].
Reserve Requirements of           12 CFR Part 204     12 CFR Part 204     12 CFR Part 204     12 CFR Part 204     12 CFR Part 204
 Depository Institutions.          [Reg. D].           [Reg. D].           [Reg. D].           [Reg. D].           [Reg. D].
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                       5. Capital
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                 Interagency Regulations
--------------------------------------------------------------------------------------------------------------------------------------------------------
Capital Adequacy: General Ratio   12 CFR Part 3,      12 CFR Part 217,    12 CFR Part 324,    12 CFR Part 3,      12 CFR Part 324,    12 CFR Part 217,
 and Buffers Definition of         Subparts A-C, G-    Subparts A-C, G     Subparts A-C, G     Subparts A-C, G-    Subparts A-C, G     Subparts A-C, G
 Capital Transition.               J.                  [Reg. Q].           [Previously found   J.                  [Previously found   [Reg. Q]. 12 CFR
                                                                           in 12 CFR Part                          in 12 CFR Part      Part 217,
                                                                           325].                                   390, Subpart Z].    Subparts A-C, G
                                                                                                                                       [Reg. Q].
Capital Adequacy: Risk-based      12 CFR Part 3,      12 CFR Part 217,    12 CFR Part 324,    12 CFR Part 3,      12 CFR Part 324,    12 CFR Part 217,
 Capital Surcharge for Global      Subpart H.          Subpart H [Reg.     Subpart H.          Subpart H.          Subpart H.          Subpart H [Reg.
 Systemically Important Bank                           Q].                                                                             Q]. 12 CFR Part
 Holding Companies.                                                                                                                    217, Subpart H
                                                                                                                                       [Reg. Q].
Capital Adequacy: Risk-Weighted   12 CFR Part 3,      12 CFR Part 217,    12 CFR Part 324,    12 CFR Part 3,      12 CFR Part 324,    12 CFR Part 217,
 Assets--Standardized Approach.    Subpart D.          Subpart D [Reg.     Subpart D           Subpart D.          Subpart D           Subpart D [Reg.
                                                       Q].                 [Previously found                       [Previously found   Q]. 12 CFR Part
                                                                           in 12 CFR Part                          in 12 CFR Part      217, Subpart D
                                                                           325 Appx. A].                           390, Subpart Z,     [Reg. Q].
                                                                                                                   Appx. A].
Capital Adequacy: Risk-Weighted   12 CFR Part 3,      12 CFR Part 217,    12 CFR Part 324,    12 CFR Part 3,      12 CFR Part 324,    12 CFR Part 217,
 Assets--Advanced Measurement      Subpart E.          Subpart E [Reg.     Subpart E           Subpart E.          Subpart E           Subpart E [Reg.
 Approaches.                                           Q].                 [Previously found                       [Previously found   Q]. 12 CFR Part
                                                                           in 12 CFR Part                          in 12 CFR Part      217, Subpart E
                                                                           325 Appx. D].                           390, Subpart Z,     [Reg. Q].
                                                                                                                   Appx. A].

[[Page 79734]]

 
Capital Adequacy: Risk-Weighted   12 CFR Part 3,      12 CFR Part 217,    12 CFR Part 324,    12 CFR Part 3,      12 CFR Part 324,    12 CFR Part 217,
 Assets--Market Risk.              Subpart F.          Subpart F [Reg.     Subpart F           Subpart F.          Subpart F           Subpart F [Reg.
                                                       Q].                 [Previously found                       [Previously found   Q]. 12 CFR Part
                                                                           in 12 CFR Part                          in 12 CFR Part      217, Subpart F
                                                                           325 Appx. C].                           390, Subpart Z,     [Reg. Q].
                                                                                                                   Appx. A].
Capital Adequacy Guidelines.....  12 CFR Part 3,      12 CFR Part 208,    12 CFR Part 324     12 CFR Part 3,      12 CFR Part 324     12 CFR Part 225,
                                   Appx. A and B.      Appx. A, B, and E   [Previously found   Appx. A and B.      [Previously found   Appx. A, B, D,
                                                       [Reg. H].           in 12 CFR Part                          in 12 CFR Part      and E [Reg. Y].
                                                                           325 Appx. A-D].                         390, Subpart Z,
                                                                                                                   Appx. A].
Prompt Corrective Action........  12 CFR Part 6       12 CFR Part 208,    12 CFR Part 324,    12 CFR Part 6;      12 CFR Part 324,    12 CFR Part 208,
                                                       Subpart D [Reg.     Subpart H                               Subpart H           Subpart D [Reg.
                                                       H]; 12 CFR Part     [Previously found                       [Previously found   H]; 12 CFR Part
                                                       263, Subpart H      in 12 CFR Part                          in 12 CFR Part      263, Subpart H.
                                                                           325, Subpart B]                         390, Subpart Y].
Small Bank Holding Company and                                                                                                        12 CFR Part 225,
 Savings and Loan Holding                                                                                                              Appx. C [Reg. Y].
 Company Policy Statement.                                                                                                             12 CFR Part 225,
                                                                                                                                       Appx. C [Reg. Y].
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                     OCC Regulations
--------------------------------------------------------------------------------------------------------------------------------------------------------
Annual Stress Tests.............  12 CFR Part 46                                              12 CFR Part 46.
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                    Board Regulations
--------------------------------------------------------------------------------------------------------------------------------------------------------
Capital Planning................                                                                                                      12 CFR Part 225.8
                                                                                                                                       [Reg. Y].
Domestic Banking Organizations:                       12 CFR Part 252,                                                                12 CFR Part 252,
 Stress Tests, Risk Committee                          Subparts B-F and                                                                Subparts B-F and
 Requirements, Company Run and                         U [Reg. YY].                                                                    U [Reg. YY]. 12
 Supervisory, and Enhanced                                                                                                             CFR Part 252,
 Prudential Standards.                                                                                                                 Subpart B
                                                                                                                                       [Reg.[hairsp]YY].
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                    FDIC Regulations
--------------------------------------------------------------------------------------------------------------------------------------------------------
Annual Stress Tests.............                                          12 CFR Part 325,                        12 CFR Part 325,
                                                                           Subpart C.                              Subpart C.
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                              6. Community Reinvestment Act
--------------------------------------------------------------------------------------------------------------------------------------------------------
All rules under this category were included in the charts published in the First Notice
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                 7. Consumer Protection
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                 Interagency Regulations
--------------------------------------------------------------------------------------------------------------------------------------------------------
Loans in Areas Having Special     12 CFR Part 22.     12 CFR Part         12 CFR Part 339     12 CFR Part 22      12 CFR Part 339.
 Flood Hazards.                                        208.25, 208.25
                                                       Appx. A, B [Reg.
                                                       H].
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                          8. Directors, Officers, and Employees
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                    FDIC Regulations
--------------------------------------------------------------------------------------------------------------------------------------------------------
Management Official Interlocks..                                                                                  12 CFR Part 348.
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                   9. Money Laundering
--------------------------------------------------------------------------------------------------------------------------------------------------------
All rules under this category were included in the charts published in the First Notice
--------------------------------------------------------------------------------------------------------------------------------------------------------

[[Page 79735]]

 
                                                                 10. Rules of Procedure
--------------------------------------------------------------------------------------------------------------------------------------------------------
All rules under this category are included in Chart A above
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                11. Safety and Soundness
--------------------------------------------------------------------------------------------------------------------------------------------------------
All rules under this category are included in Chart A above
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                     12. Securities
--------------------------------------------------------------------------------------------------------------------------------------------------------
All rules under this category are included in Chart A above
--------------------------------------------------------------------------------------------------------------------------------------------------------


    Dated: December 16, 2015.
Thomas J. Curry,
Comptroller of the Currency.
    By order of the Board of Governors of the Federal Reserve 
System, December 11, 2015.
Robert deV. Frierson,
Secretary of the Board.
    Dated: December 16, 2015.

    By order of the Board of Directors.

Federal Deposit Insurance Corporation.
Robert E. Feldman,
Executive Secretary.
[FR Doc. 2015-32312 Filed 12-22-15; 8:45 am]
 BILLING CODE P