[The Regulatory Plan and Unified Agenda of Federal Regulations]
[Federal Deposit Insurance Corporation Semiannual Regulatory Agenda]
[From the U.S. Government Printing Office, www.gpo.gov]


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Part LIII





Federal Deposit Insurance Corporation





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Semiannual Regulatory Agenda


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FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC)                           
  
  
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FEDERAL DEPOSIT INSURANCE CORPORATION

12 CFR Ch. III

Semiannual Agenda of Regulations

AGENCY: Federal Deposit Insurance Corporation.

ACTION: Publication of semiannual agenda of regulations.

_______________________________________________________________________

SUMMARY: The Federal Deposit Insurance Corporation (FDIC) is hereby 
publishing items for the October 1994 regulatory agenda. The agenda 
contains information about FDIC's current and projected rulemakings, 
existing regulations under review, and completed rulemakings.

FOR FURTHER INFORMATION CONTACT: Persons identified under regulations 
listed in the agenda. Unless otherwise noted, the address for all FDIC 
staff identified in the agenda is Federal Deposit Insurance 
Corporation, 550 17th Street NW., Washington, DC 20429.

SUPPLEMENTARY INFORMATION: Twice each year, the FDIC publishes an 
agenda of regulations to inform the public of its regulatory actions 
and to enhance public participation in the rulemaking process. 
Publication of the agenda is in accordance with both the Regulatory 
Flexibility Act (5 U.S.C. 601 et seq.) and the FDIC statement of policy 
entitled ``Development and Review of FDIC Rules and Regulations'' (44 
FR 31007, May 30, 1979; 44 FR 32353, June 6, 1979; 44 FR 76858, 
December 28, 1979; 49 FR 7288, February 28, 1984).

    The FDIC amends its regulations under the general rulemaking 
authority prescribed in section 9 of the Federal Deposit Insurance 
Act (12 U.S.C. 1819) and under specific authority granted by the 
Act and other statutes.

    The Financial Institutions Reform, Recovery, and Enforcement 
Act of 1989 (FIRREA) and the Federal Deposit Insurance Corporation 
Improvement Act of 1991 (FDICIA) contain reforms that significantly 
restructure Federal deposit insurance and the regulation of 
financial institutions. As a consequence, many of the regulations 
included in this agenda are in response to FIRREA and FDICIA.

    Interested persons may petition the FDIC for the issuance, 
amendment, or repeal of any regulation by submitting a written 
petition to the Executive Secretary, Federal Deposit Insurance 
Corporation, Washington, DC 20429. Petitioners should include 
complete and concise statements of their interest in the subject 
matter and reasons why the petitions should be granted.

Dated: August 8, 1994.

Federal Deposit Insurance Corporation.

Robert E. Feldman,

Acting Executive Secretary.

                                                  Prerule Stage                                                 
----------------------------------------------------------------------------------------------------------------
                                                                                                     Regulation 
 Sequence                                           Title                                            Identifier 
  Number                                                                                               Number   
----------------------------------------------------------------------------------------------------------------
4991        12 CFR ch III  Eligibility for Deposit Insurance; Being Engaged in the Business of                  
            Receiving Deposits Other Than Trust Funds and Related Items...........................    3064-AB40 
4992        12 CFR 327  Assessments--Assessment Base..............................................    3064-AB46 
----------------------------------------------------------------------------------------------------------------


                                               Proposed Rule Stage                                              
----------------------------------------------------------------------------------------------------------------
                                                                                                     Regulation 
 Sequence                                           Title                                            Identifier 
  Number                                                                                               Number   
----------------------------------------------------------------------------------------------------------------
4993        12 CFR 308  Censure, Suspension, and Debarment of Independent Public Accountants......    3064-AA64 
4994        12 CFR 359  Golden Parachute and Indemnification Payments.............................    3064-AB11 
4995        12 CFR 345  Community Reinvestment....................................................    3064-AB27 
4996        12 CFR 348  Management Official Interlocks............................................    3064-AB30 
4997        12 CFR 340  Restrictions on Sale of Assets by the FDIC................................    3064-AB37 
4998        12 CFR 308  Program Fraud Civil Remedies..............................................    3064-AB41 
4999        12 CFR 325  Capital Maintenance--Future Credit Exposure/Off-Balance Sheet Contracts...    3064-AB43 
5000        12 CFR 362  Activities and Investments of Insured State Banks--Treasury Stock.........    3064-AB47 
5001        12 CFR 308  Uniform Rules of Practice and Procedure...................................    3064-AB49 
5002        12 CFR 337  Unsafe and Unsound Banking Practices--''Other Purpose'' Loans to Executive              
            Officers..............................................................................    3064-AB50 
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                                                Final Rule Stage                                                
----------------------------------------------------------------------------------------------------------------
                                                                                                     Regulation 
 Sequence                                           Title                                            Identifier 
  Number                                                                                               Number   
----------------------------------------------------------------------------------------------------------------
5003        5 CFR 2635  Supplemental Requirements for Standards of Conduct........................    3064-AA08 
5004        12 CFR 303  Notice of Filing an Application for a Merger Transaction..................    3064-AA54 
5005        12 CFR 346  Foreign Banks.............................................................    3064-AA78 
5006        12 CFR 354  Deposit Liabilities.......................................................    3064-AA92 
5007        12 CFR 356  Insider Transactions--Conflicts of Interest...............................    3064-AA94 
5008        12 CFR 334  Contracts Adverse to Safety and Soundness of Insured Depository                         
            Institutions..........................................................................    3064-AB06 
5009        12 CFR 357  Determination of Economically Depressed Regions...........................    3064-AB08 
5010        12 CFR 303  Standards for Safety and Soundness........................................    3064-AB13 
5011        12 CFR 325  Capital Maintenance--Credit Risk and Nontraditional Activities............    3064-AB15 
5012        12 CFR 325  Capital Maintenance--Deferred Tax Assets..................................    3064-AB20 
5013        12 CFR 325  Capital Maintenance--Interest Rate Risk...................................    3064-AB22 
5014        12 CFR 360  National Depositor Preference.............................................    3064-AB25 
5015        12 CFR 330  Disclosure of Capital Information for Deposit Insurance Purposes..........    3064-AB26 
5016        12 CFR 325  Capital Maintenance--FASB 115.............................................    3064-AB29 
5017        12 CFR 325  Capital Maintenance--Recourse Arrangements and Direct Credit Substitutes..    3064-AB31 
5018        12 CFR 335  Securities of Nonmember Insured Banks.....................................    3064-AB32 
5019        12 CFR 366  Contractor Ethics.........................................................    3064-AB39 
5020        12 CFR 325  Capital Maintenance--Risk-Based Capital/Netting Arrangements..............    3064-AB42 
5021        12 CFR 333  Mutual-to-Stock Conversions of State Nonmember Savings Banks..............    3064-AB44 
5022        12 CFR 327  Assessments--Direct Debits................................................    3064-AB45 
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                                                Completed Actions                                               
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                                                                                                     Regulation 
 Sequence                                           Title                                            Identifier 
  Number                                                                                               Number   
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5023        12 CFR 323  Real Estate Appraisals....................................................    3064-AB05 
5024        12 CFR 335  Securities of Nonmember Insured Banks.....................................    3064-AB28 
5025        12 CFR 304  Forms, Instructions, and Reports..........................................    3064-AB33 
5026        12 CFR 327  Assessments--Investment Contracts.........................................    3064-AB35 
5027        12 CFR 303  Application and Publication Requirements--Remote Service Facilities.......    3064-AB36 
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FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC)              Prerule Stage
  
  
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4991. ELIGIBILITY FOR DEPOSIT INSURANCE; BEING ENGAGED IN THE BUSINESS OF 
RECEIVING DEPOSITS OTHER THAN TRUST FUNDS AND RELATED ITEMS

Legal Authority:  12 USC 1815; 12 USC 1819

CFR Citation:  12 CFR ch III

Legal Deadline: None

Abstract: Being ``engaged in the business of receiving deposits other 
than trust funds'' is a necessary condition for consideration of an 
application for deposit insurance and for continued insurance after an 
application has been granted. However, the FDIC has never defined by 
way of regulation or policy statement what constitutes being ``engaged 
in the business of receiving deposits other than trust funds.'' The 
FDIC is now considering a rulemaking to do that; this regulatory action 
will assist the FDIC in that effort.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

ANPRM                           12/00/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Melinda West Schwartzstein, Review Examiner, Division 
of Supervision, Federal Deposit Insurance Corporation, Washington, DC 
20429, 202 898-6919

RIN: 3064-AB40
_______________________________________________________________________

4992.  ASSESSMENTS--ASSESSMENT BASE

Legal Authority:  12 USC 1441; 12 USC 1817 to 1819

CFR Citation:  12 CFR 327

Legal Deadline: None

Abstract: The FDIC plans to seek comment on a proposal to revise the 
assessment base used by insured institutions to determine the premium 
paid for deposit insurance. The current base, generally domestic 
deposits, is defined in the Federal Deposit Insurance Act. A statutory 
change, effective January 1, 1994, permits the definition of the 
assessment base to be established in the FDIC's rules and regulations.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

ANPRM                           10/05/94                    59 FR 50710
ANPRM Comment Period End        02/02/95
NPRM                            06/00/95

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: William Farrell, Chief, Assessments Management Section, 
Division of Finance, Federal Deposit Insurance Corporation, Washington, 
DC 20429, 703 516-5546

RIN: 3064-AB46
_______________________________________________________________________

FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC)        Proposed Rule Stage
  
  
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4993. CENSURE, SUSPENSION, AND DEBARMENT OF INDEPENDENT PUBLIC 
ACCOUNTANTS

Legal Authority:  PL 102-242, sec 112

CFR Citation:  12 CFR 308

Legal Deadline: None

Abstract: This regulation implements section 112 of FDICIA, which 
requires the FDIC, the OCC, the FRB, and the OTS to develop joint rules 
of practice for the suspension, removal, or debarment of independent 
public accountants.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            00/00/00

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Doris L. Marsh, Examination Specialist, Division of 
Supervision, Federal Deposit Insurance Corporation, Washington, DC 
20429, 202 898-8905

RIN: 3064-AA64
_______________________________________________________________________

4994. GOLDEN PARACHUTE AND INDEMNIFICATION PAYMENTS

Legal Authority:  12 USC 1828

CFR Citation:  12 CFR 359

Legal Deadline: None

Abstract: This rulemaking would limit golden parachute and 
indemnification payments made to institution-affiliated parties by 
depository institutions and depository institution holding companies.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            10/07/91                    56 FR 50529
NPRM Comment Period End         12/06/91
Second NPRM                     10/00/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Jeffrey M. Kopchik, Counsel, Legal Division, Federal 
Deposit Insurance Corporation, 550 17th Street NW., Washington, DC 
20429, 202 898-3872

RIN: 3064-AB11
_______________________________________________________________________

4995. COMMUNITY REINVESTMENT

Legal Authority:  PL 95-128

CFR Citation:  12 CFR 345

Legal Deadline: None

Abstract: The Office of the Comptroller of the Currency, the Board of 
Governors of the Federal Reserve System, the FDIC, and the Office of 
Thrift Supervision are working together to develop new regulations and 
standards for procedures assessing a financial institution's 
performance under the Community Reinvestment Act (CRA). The agencies' 
goal is to reform CRA regulations and supervision in order to improve 
performance, clarify standards, and make CRA performance assessments 
more objective.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

ANPRM                           08/19/93                    58 FR 44138
NPRM                            12/21/93                    58 FR 67466
NPRM Comment Period End         03/24/94                     59 FR 5138
Second NPRM                     10/07/94                    59 FR 51232
Second NPRM Comment Period End  11/21/94
Final Action                    05/00/95

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Janice Smith, Director, Office of Consumer Affairs, 
Federal Deposit Insurance Corporation, Washington, DC 20429, 202 898-
6777

RIN: 3064-AB27
_______________________________________________________________________

4996. MANAGEMENT OFFICIAL INTERLOCKS

Legal Authority:  12 USC 3207

CFR Citation:  12 CFR 348

Legal Deadline: None

Abstract: This rulemaking provides an exemption for any management 
interlock between two depository institutions located in a relevant 
metropolitan statistical area (``RMSA'') or community if their combined 
share of the total deposits in the RMSA or community is no more than 20 
percent.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            04/00/95

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Mark Mellon, Senior Attorney, Legal Division, Federal 
Deposit Insurance Corporation, Washington, DC 20429, 202 898-3854

RIN: 3064-AB30
_______________________________________________________________________

4997. RESTRICTIONS ON SALE OF ASSETS BY THE FDIC

Legal Authority:  12 USC 1821

CFR Citation:  12 CFR 340

Legal Deadline: None

Abstract: This rulemaking would place restrictions on the sale of 
assets of failed institutions to persons who profited or engaged in 
wrongdoing at the expense of those failed institutions.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            11/00/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Joseph Fellerman, Senior Liquidation Specialist 
(Credit), Division of Depositor and Asset Services, Federal Deposit 
Insurance Corporation, Washington, DC 20429, 202 898-6879

RIN: 3064-AB37
_______________________________________________________________________

4998. PROGRAM FRAUD CIVIL REMEDIES

Legal Authority:  12 USC 1819; PL 103-204

CFR Citation:  12 CFR 308

Legal Deadline: None

Abstract: The Program Fraud Civil Remedies Act (``PFCRA'') requires 
specified Federal agencies to follow certain procedures to recover 
penalties and assessments against persons who file false claims and 
statements. The Resolution Trust Corporation Completion Act (PL 103-
204) subjects the FDIC to the requirements of the PFCRA. An interagency 
task force was established by the President's Council on Integrity and 
Efficiency to develop model regulations for implementing the PFCRA. 
This regulatory action adopts, with minor variations, the model 
regulations set forth by the Council's task force.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            12/00/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Mark A. Mellon, Senior Attorney, Legal Division, 
Federal Deposit Insurance Corporation, Washington, DC 20429, 202 898-
6919

RIN: 3064-AB41
_______________________________________________________________________

4999.  CAPITAL MAINTENANCE--FUTURE CREDIT EXPOSURE/OFF-BALANCE 
SHEET CONTRACTS

Legal Authority:  12 USC 1815; 12 USC 1816; 12 USC 1818; 12 USC 1819; 
12 USC 1828; 12 USC 1831; 12 USC 3907; 12 USC 3909

CFR Citation:  12 CFR 325

Legal Deadline: None

Abstract: This rulemaking alters the amount of capital required for 
future credit exposure for off-balance sheet contracts. Further, it 
would allow for the netting of future exposure consistent with the 
bilateral netting arrangements contained in the rulemaking described 
elsewhere in this Agenda under Regulatory Information Number 3064-AB42 
(``Capital Maintenance -- Risk-based Capital/Netting Arrangements'').

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            10/00/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: William A. Stark, Assistant Director, Division of 
Supervision, Federal Deposit Insurance Corporation, Washington, DC 
20429, 202 898-6972

RIN: 3064-AB43
_______________________________________________________________________

5000.  ACTIVITIES AND INVESTMENTS OF INSURED STATE BANKS--
TREASURY STOCK

Legal Authority:  12 USC 1816; 12 USC 1818; 12 USC 1819; 12 USC 1831

CFR Citation:  12 CFR 362

Legal Deadline: None

Abstract: This regulatory action amends the definition of ``equity 
investment'' to exclude treasury stock in certain instances, thereby 
allowing institutions, in accordance with applicable Federal and state 
law, to acquire such stock or hold it for use within one year to 
fulfill the requirements of an authorized stock option, bonus, profit 
sharing, retirement, or similar plan for the benefit of employees.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            11/00/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Curtis Vaughn, Examination Specialist, Division of 
Supervision, Federal Deposit Insurance Corporation, Washington, DC 
20429, 202 898-6759

RIN: 3064-AB47
_______________________________________________________________________

5001.  UNIFORM RULES OF PRACTICE AND PROCEDURE

Legal Authority:  12 USC 1817; 12 USC 1818; 12 USC 1820; 12 USC 1972

CFR Citation:  12 CFR 308

Legal Deadline: None

Abstract: The Comptroller of the Currency, the Board of Governors of 
the Federal Reserve System, the FDIC, the Office of Thrift Supervision, 
and the National Credit Union Administration are jointly proposing this 
regulatory action to clarify provisions that have given rise to 
confusion and to increase the efficiency and fairness of administrative 
hearings. The changes are primarily technical in nature.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            11/00/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Andrea Winkler, Counsel, Federal Deposit Insurance 
Corporation, Washington, DC 20429, 202 898-3764

RIN: 3064-AB49
_______________________________________________________________________

5002.  UNSAFE AND UNSOUND BANKING PRACTICES--''OTHER PURPOSE'' 
LOANS TO EXECUTIVE OFFICERS

Legal Authority:  12 USC 375; 12 USC 1816; 12 USC 1818; 12 USC 1819; 12 
USC 1828; 12 USC 1831

CFR Citation:  12 CFR 337

Legal Deadline: None

Abstract: This regulatory action excepts loans which are fully secured 
by certain types of collateral from the general limit on ``other 
purpose'' loans to executive officers of insured nonmember banks.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            08/16/94                    59 FR 41990
NPRM Comment Period End         10/17/94
Final Action                    04/00/95

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Mike Jenkins, Examination Specialist, Division of 
Supervision, Federal Deposit Insurance Corporation, Washington, DC 
20429, 202 898-6896

RIN: 3064-AB50
_______________________________________________________________________

FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC)           Final Rule Stage
  
  
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5003. SUPPLEMENTAL REQUIREMENTS FOR STANDARDS OF CONDUCT

Legal Authority:  5 USC app Ethics in Government Act of 1978; 12 USC 
1819; 26 USC 1043; EO 12674; EO 12731

CFR Citation:  5 CFR 2635; 5 CFR 3201; 12 CFR 336

Legal Deadline: None

Abstract: A rule published by the Office of Government Ethics (``OGE'') 
at 5 CFR 2635 replaced all agency ethics rules, including the FDIC's. 
OGE's rule permits supplemental rules on certain conflicts of interest 
unique to each agency. The FDIC plans to publish such supplemental 
regulations at 5 CFR 3201 relating to extensions of credit, 
restrictions on holding the securities of federally insured depository 
institutions, restrictions on the purchase of the property of failed 
federally insured depository institutions, interest in FDIC decisions, 
and related matters.
This supplemental rule incorporates provisions from the FDIC Employee 
Responsibilities and Conduct regulation (12 CFR 336). Subpart C of 12 
CFR 336 will remain in effect until this rule is published in final 
form.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            07/12/94                    59 FR 35480
NPRM Comment Period End         09/12/94
Final Action                    11/00/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Katherine A. Corigliano, Assistant Executive Secretary 
(Ethics), Office of the Executive Secretary, Federal Deposit Insurance 
Corporation, Washington, DC 20429, 202 898-7272

RIN: 3064-AA08
_______________________________________________________________________

5004. NOTICE OF FILING AN APPLICATION FOR A MERGER TRANSACTION

Legal Authority:  12 USC 378; 12 USC 1813; 12 USC 1815 to 1819; 12 USC 
1828; 12 USC 1831; 15 USC 1607

CFR Citation:  12 CFR 303

Legal Deadline: None

Abstract: This rulemaking amends the requirements for publishing notice 
of the filing of an application for a merger transaction under the Bank 
Merger Act. This rule brings the FDIC's regulations more into 
conformance with those of the other federal financial institutions 
regulators, and lessens the paperwork and cost burdens imposed by the 
FDIC's notice requirements.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            06/15/93                    58 FR 33050
NPRM Comment Period End         08/16/93
Final Action                    11/00/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: A. David Meadows, Associate Director, Division of 
Supervision, Federal Deposit Insurance Corporation, Washington, DC 
20429, 202 898-3855

RIN: 3064-AA54
_______________________________________________________________________

5005. FOREIGN BANKS

Legal Authority:  12 USC 378; 12 USC 1813; 12 USC 1815 to 1819; 12 USC 
1828; 12 USC 1829; 12 USC 3105; 15 USC 1607

CFR Citation:  12 CFR 346

Legal Deadline: None

Abstract: This regulation implements section 202(h) of FDICIA, which 
provides, in part, that after December 19, 1992, an insured state 
branch of a foreign bank may not engage in any activity not permissible 
for a federal branch of a foreign bank unless the FDIC has determined 
that the activity would pose no significant risk to the deposit 
insurance fund. This regulation sets forth the application procedures 
to request the FDIC's permission to engage in, or continue to engage 
in, an activity not permissible for a federal branch.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            03/02/93                    58 FR 11992
NPRM Comment Period End         05/03/93
Final Action                    11/00/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Charles V. Collier, Assistant Director, Division of 
Supervision, Federal Deposit Insurance Corporation, Washington, DC 
20429, 202 898-6850

RIN: 3064-AA78
_______________________________________________________________________

5006. DEPOSIT LIABILITIES

Legal Authority:  12 USC 1813; 12 USC 1819

CFR Citation:  12 CFR 354

Legal Deadline: None

Abstract: The FDIC issued for public comment a proposed regulation 
expanding the definition of the term ``deposit.'' The proposed rule 
would find that a bank's liability on a promissory note, bond, 
acknowledgement of advance, or similar obligation that is issued or 
undertaken by the insured bank as a means of obtaining funds is a 
deposit liability for insurance and assessment purposes.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            11/25/88                    53 FR 47723
NPRM Comment Period End         01/24/89
Final Action                    00/00/00

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Alan J. Kaplan, Assistant General Counsel, Legal 
Division, Federal Deposit Insurance Corporation, Washington, DC 20429, 
202 898-3734

RIN: 3064-AA92
_______________________________________________________________________

5007. INSIDER TRANSACTIONS--CONFLICTS OF INTEREST

Legal Authority:  12 USC 1818; 12 USC 1819; 12 USC 1831(g)

CFR Citation:  12 CFR 356

Legal Deadline: None

Abstract: This rule ensures that business dealings (other than 
extensions of credit) between insured nonmember banks and state 
licensed insured branches of foreign banks and their ``insiders'' are 
conducted in an arms-length fashion so that insiders do not improperly 
abuse their position for personal gain.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            08/08/91                    56 FR 37673
NPRM Comment Period End         10/07/91
Final Action                    00/00/00

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Michael D. Jenkins, Examination Specialist, Division of 
Supervision, Federal Deposit Insurance Corporation, Washington DC 
20429, 202 898-6896

RIN: 3064-AA94
_______________________________________________________________________

5008. CONTRACTS ADVERSE TO SAFETY AND SOUNDNESS OF INSURED DEPOSITORY 
INSTITUTIONS

Legal Authority:  12 USC 1818; 12 USC 1819; 12 USC 1831g

CFR Citation:  12 CFR 334

Legal Deadline: None

Abstract: This rule implements section 225 of FIRREA, which requires 
the FDIC to prescribe regulations as may be necessary to prevent 
insured depository institutions from entering into contracts that 
adversely affect their safety and soundness.
The rule is proposed in two stages. The first stage is a notice of 
proposed rulemaking on adverse contracts in general. The second stage 
is an advance notice of proposed rulemaking with request for comment on 
how to deal with contracts with non-depository affiliates.

Timetable:

Adverse Contracts With Non-depository Affiliates  ANPRM 04/01/91 (56 FR 
13291)  ANPRM Comment Period End 05/31/91

Adverse Contracts With Outside Vendors  NPRM 04/01/91 (56 FR 
13291)  NPRM Comment Period End 05/31/91

Both Types of Adverse Contracts  Final Action 00/00/00

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Michael D. Jenkins, Examination Specialist, Division of 
Supervision, Federal Deposit Insurance Corporation, Washington, DC 
20429, 202 898-6896

RIN: 3064-AB06
_______________________________________________________________________

5009. DETERMINATION OF ECONOMICALLY DEPRESSED REGIONS

Legal Authority:  12 USC 1823

CFR Citation:  12 CFR 357

Legal Deadline: None

Abstract: This rulemaking designates ten states as ``economically 
depressed regions,'' as defined in section 13(k)(5)(C) of the Federal 
Deposit Insurance Act. The ten states are California, Connecticut, the 
District of Columbia, Maine, Massachusetts, New Hampshire, New Jersey, 
New York, Rhode Island, and Vermont. The eight states previously 
designated as ``economically depressed'' should no longer receive that 
designation. The FDIC is required by 12 USC 1823 to consider proposals 
for direct financial assistance by SAIF member institutions having 
offices located in an ``economically depressed region,'' and meeting 
certain other specified criteria, before grounds exist for the 
appointment of a conservator or a receiver for such institutions.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            12/18/92                    57 FR 60140
NPRM Comment Period End         02/16/93
Final Action                    00/00/00

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Alice Weicher, Financial Economist, Division of 
Research and Statistics, Federal Deposit Insurance Corporation, 
Washington, DC 20429, 202 898-7096

RIN: 3064-AB08
_______________________________________________________________________

5010. STANDARDS FOR SAFETY AND SOUNDNESS

Legal Authority:  PL 102-242, sec 132

CFR Citation:  12 CFR 303; 12 CFR 308; 12 CFR 364

Legal Deadline:  Final, Statutory, August 1, 1993.
Final regulations must be promulgated by 08/01/93, with an effective 
date no later than 12/01/93.

Abstract: Section 132 of FDICIA requires Federal financial institutions 
regulators, including the FDIC, to prescribe by regulation certain 
safety and soundness standards for insured depository institutions and 
depository institution holding companies. Standards must be prescribed 
in three principal areas: (1) operational and managerial; (2) asset 
quality and earnings; and (3) employee compensation. Under this 
proposal, an insured depository institution or depository institution 
holding company that fails to meet any of the prescribed standards, 
will be required to submit and implement an acceptable plan to achieve 
compliance. Failure to submit or implement such a plan within the time 
allowed will result in an order to correct the deficiency.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

ANPRM                           07/15/92                    57 FR 31336
ANPRM Comment Period End        09/14/92
NPRM                            11/18/93                    58 FR 60802
NPRM Comment Period End         01/03/94
Final Action                    10/00/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Robert W. Walsh, Examination Specialist, Division of 
Supervision, Federal Deposit Insurance Corporation, Washington, DC 
20429, 202 898-6911

RIN: 3064-AB13
_______________________________________________________________________

5011. CAPITAL MAINTENANCE--CREDIT RISK AND NONTRADITIONAL ACTIVITIES

Legal Authority:  PL 102-242, sec 305

CFR Citation:  12 CFR 325

Legal Deadline:  Final, Statutory, June 19, 1993.

Abstract: This rule implements section 305 of FIRREA, which requires 
each Federal banking agency to revise its risk-based capital standards 
for insured depository institutions to account for concentration of 
credit risk and the risks of nontraditional activities.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

ANPRM                           08/10/92                    57 FR 35507
ANPRM Comment Period End        10/09/92
NPRM                            02/22/94                     59 FR 8420
NPRM Comment Period End         03/24/94
Final Action                    12/00/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Stephen G. Pfeifer, Examination Specialist, Division of 
Supervision, Federal Deposit Insurance Corporation, Washington, DC 
20429, 202 898-8904

RIN: 3064-AB15
_______________________________________________________________________

5012. CAPITAL MAINTENANCE--DEFERRED TAX ASSETS

Legal Authority:  12 USC 1815; 12 USC 1816; 12 USC 1818; 12 USC 1819; 
12 USC 1828; 12 USC 1831; 12 USC 3907; 12 USC 3909; PL 102-233; PL 102-
242

CFR Citation:  12 CFR 325

Legal Deadline: None

Abstract: This rulemaking amends the FDIC's capital standards for 
insured state nonmember banks by establishing a limitation on the 
amount of certain deferred tax assets that may be included in (that is, 
not deducted from) the Tier 1 capital calculation for risk-based and 
leverage capital purposes. This amendment was developed on a consistent 
basis by the FDIC, the Board of Governors of the Federal Reserve 
System, the Office of the Comptroller of the Currency, and the Office 
of Thrift Supervision in response to the issuance by the Financial 
Accounting Standards Board (``FASB'') of Statement 109, ``Accounting 
for Income Taxes.'' This FASB accounting standard must be adopted by 
insured state nonmember banks for regulatory reporting and financial 
reporting purposes no later than the first quarter of 1993, or the 
beginning of the first fiscal year thereafter, if later.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            05/05/93                    58 FR 26701
NPRM Comment Period End         06/04/93
Final Action                    10/00/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Robert F. Storch, Chief, Accounting Section, Division 
of Supervision, Federal Deposit Insurance Corporation, Washington, DC 
20429, 202 898-8906

RIN: 3064-AB20
_______________________________________________________________________

5013. CAPITAL MAINTENANCE--INTEREST RATE RISK

Legal Authority:  12 USC 1815; 12 USC 1816; 12 USC 1818; 12 USC 1819; 
12 USC 1828; 12 USC 1831; 12 USC 3907; 12 USC 3909; PL 102-233; PL 102-
242

CFR Citation:  12 CFR 325

Legal Deadline:  Final, Statutory, June 19, 1993.

Abstract: This rule implements that part of section 305 of FIRREA which 
requires each Federal banking agency to revise its risk-based capital 
standards for insured depository institutions to ensure that those 
standards take adequate account of interest rate risk.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

ANPRM                           08/10/92                    57 FR 35507
ANPRM Comment Period End        10/09/92
NPRM                            09/14/93                    58 FR 48206
NPRM Comment Period End         10/29/93
Final Action                    12/00/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: William A. Stark, Assistant Director, Division of 
Supervision, Federal Deposit Insurance Corporation, Washington, DC 
20429, 202 898-6972

RIN: 3064-AB22
_______________________________________________________________________

5014. NATIONAL DEPOSITOR PREFERENCE

Legal Authority:  PL 101-73

CFR Citation:  12 CFR 360

Legal Deadline: None

Abstract: On August 10, 1993, Congress amended section 11(d)(11) of the 
FDI Act to establish priorities for paying claims against failed 
institutions. The priorities are as follows: (1) administrative 
expenses of the receiver, (2) deposit liabilities, (3) other general or 
senior liabilities, (4) subordinated debts, (5) shareholders' 
obligations. This regulatory action clarifies the requirements of the 
statute regarding the expenses that may be included as administrative 
expenses of the receiver.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

Interim Final Rule and Request 
for Comments                    08/13/93                    58 FR 43069
Interim Final Rule Effective 
Date                            08/13/93
Interim Final Rule Comment 
Period End                      10/12/93
Final Rule                      12/00/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Stephen N. Graham, Associate Director, Division of 
Liquidation, Federal Deposit Insurance Corporation, Washington, DC 
20429, 202 898-7377

RIN: 3064-AB25
_______________________________________________________________________

5015. DISCLOSURE OF CAPITAL INFORMATION FOR DEPOSIT INSURANCE PURPOSES

Legal Authority:  12 USC 1819 to 1821

CFR Citation:  12 CFR 330

Legal Deadline: None

Abstract: The purpose of this rulemaking is to provide better 
information for pension plan administrators to determine the amount of 
deposit insurance available for their pension plan deposits.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            12/08/93                    58 FR 64521
NPRM Comment Period End         02/07/94
Final Action                    10/00/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Daniel M. Gautsch, Examination Specialist, Division of 
Supervision, Federal Deposit Insurance Corporation, Washington, DC 
20429, 202 898-6912

RIN: 3064-AB26
_______________________________________________________________________

5016. CAPITAL MAINTENANCE--FASB 115

Legal Authority:  PL 102-233; PL 102-242

CFR Citation:  12 CFR 325

Legal Deadline: None

Abstract: This rulemaking amends the FDIC's leverage and risk-based 
capital standards to recognize explicitly the unrealized gains and 
losses on available-for-sale securities in determining the amount of an 
institution's common stockholders' equity. This is consistent with the 
recently adopted Statement of Financial Accounting Standards No. 115 
(FASB 115).

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            12/29/93                    58 FR 68781
NPRM Comment Period End         01/28/94
Final Action                    12/00/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Stephen G. Pfeifer, Examination Specialist, Division of 
Supervision, Federal Deposit Insurance Corporation, Washington, DC 
20429, 202 898-8906

RIN: 3064-AB29
_______________________________________________________________________

5017. CAPITAL MAINTENANCE--RECOURSE ARRANGEMENTS AND DIRECT CREDIT 
SUBSTITUTES

Legal Authority:  12 USC 1815; 12 USC 1816; 12 USC 1818; 12 USC 1819; 
12 USC 1828; 12 USC 1831; 12 USC 3907; 12 USC 3909

CFR Citation:  12 CFR 325

Legal Deadline: None

Abstract: The FDIC, the Board of Governors of the Federal Reserve 
System, the Office of the Comptroller of the Currency, and the Office 
of Thrift Supervision (``Agencies'') are revising their risk-based 
capital standards to address the regulatory capital treatment of 
recourse arrangements and direct credit substitutes that expose banks, 
bank holding companies, and thrifts to credit risk.
In addition, the Agencies published, in an ANPRM, a preliminary 
proposal to use credit ratings to match the risk-based capital 
assessment more closely to an institution's relative risk of loss in 
certain asset securitizations. The Agencies are also seeking comment on 
the need for a similar system for unrated asset securitizations and on 
how such a system would be designed. The Agencies intend that any final 
rules adopted in connection with these regulatory actions that result 
in increased risk-based capital requirements would apply only to 
transactions that are consummated after the effective dates of such 
final rules.

Timetable:

Credit Ratings  ANPRM 05/25/94 (59 FR 27116)  ANPRM Comment Period End 
07/25/94  NPRM 04/00/95

Recourse/Direct Credit Substitutes  NPRM 05/25/94 (59 FR 27116)  NPRM 
Comment Period End 07/25/94  Final Action 12/00/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Robert F. Storch, Chief, Accounting Section, Division 
of Supervision, Federal Deposit Insurance Corporation, Washington, DC 
20429, 202 898-8906

RIN: 3064-AB31
_______________________________________________________________________

5018. SECURITIES OF NONMEMBER INSURED BANKS

Legal Authority:  15 USC 78l

CFR Citation:  12 CFR 335

Legal Deadline: None

Abstract: Section 12(i) of the Securities Exchange Act of 1934 requires 
that the FDIC issue regulations substantially similar to those of the 
Securities and Exchange Commission (``SEC'') or publish its reasons for 
not doing so. This regulatory action would result in the issuance of 
FDIC regulations substantially similar to the SEC's Exchange Act 
regulations relating to Small Business Initiatives, Executive 
Compensation Disclosure, and Regulation of Communications Among 
Shareholders.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            05/02/94                    59 FR 22555
NPRM Comment Period End         07/01/94
Final Action                    11/00/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: M. Eric Dohm, Staff Accountant, Division of 
Supervision, Federal Deposit Insurance Corporation, Washington, DC 
20429, 202 898-8921

RIN: 3064-AB32
_______________________________________________________________________

5019. CONTRACTOR ETHICS

Legal Authority:  12 USC 1822

CFR Citation:  12 CFR 366

Legal Deadline: None

Abstract: This regulatory action establishes standards regarding 
conflicts of interest and ethical responsibilities for independent 
contractors doing business with the FDIC.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            06/24/94                    59 FR 32661
NPRM Comment Period End         08/23/94
Final Action                    03/00/95

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: James Lantelme, Assistant General Counsel, Legal 
Division, Federal Deposit Insurance Corporation, Washington, DC 20429, 
202 736-0120

RIN: 3064-AB39
_______________________________________________________________________

5020. CAPITAL MAINTENANCE--RISK-BASED CAPITAL/NETTING ARRANGEMENTS

Legal Authority:  12 USC 1815; 12 USC 1816; 12 USC 1818; 12 USC 1819; 
12 USC 1828; 12 USC 1831; 12 USC 3907; 12 USC 3909

CFR Citation:  12 CFR 325

Legal Deadline: None

Abstract: This regulatory action amends the FDIC's risk-based capital 
guidelines to recognize the risk-reducing benefits of netting 
arrangements by permitting institutions to net, for risk-based capital 
purposes, interest and exchange rate contracts subject to bilateral 
netting arrangements that meet certain criteria.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            07/25/94                    59 FR 37726
NPRM Comment Period End         08/24/94
Final Action                    12/00/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Curtis Wong, Capital Markets Specialist, Division of 
Supervision, Federal Deposit Insurance Corporation, Washington, DC 
20429, 202 898-7327

RIN: 3064-AB42
_______________________________________________________________________

5021.  MUTUAL-TO-STOCK CONVERSIONS OF STATE NONMEMBER SAVINGS 
BANKS

Legal Authority:  12 USC 1816; 12 USC 1818; 12 USC 1819; 12 USC 1828

CFR Citation:  12 CFR 333

Legal Deadline: None

Abstract: This rulemaking would require FDIC-insured mutual state-
chartered savings banks to comply with new substantive provisions of 
the FDIC's regulations when proposing to convert to the stock form of 
ownership.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            06/13/94                    59 FR 30316
NPRM Comment Period End         07/13/94
Final Action                    11/00/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Robert H. Hartheimer, Acting Director, Division of 
Resolutions, Federal Deposit Insurance Corporation, Washington, DC 
20429, 202 898-8879

RIN: 3064-AB44
_______________________________________________________________________

5022.  ASSESSMENTS--DIRECT DEBITS

Legal Authority:  5 USC 552; 12 USC 1817 to 1820; PL 102-242

CFR Citation:  12 CFR 327; 12 CFR 304

Legal Deadline: None

Abstract: This regulatory action provides for the quarterly collection 
of assessments by means of FDIC-originated direct debits through the 
Automated Clearing House network, based on invoices prepared by FDIC 
using call report data. The action also clarifies the obligation of 
acquiring institutions to pay assessments on deposits assumed from 
institutions terminating their insured status; and deletes from the 
assessments regulation the existing references to experience factors, 
which are not available for use after 1994.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            06/10/94                    59 FR 29965
NPRM Comment Period End         08/08/94
Final Action                    11/00/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Connie Brindle, Chief, Assessment Operations Section, 
Division of Finance, Federal Deposit Insurance Corporation, Washington, 
DC 20429, 703 516-5553

RIN: 3064-AB45
_______________________________________________________________________

FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC)          Completed Actions
  
  
_______________________________________________________________________
  
5023. REAL ESTATE APPRAISALS

Legal Authority:  12 USC 1818; 12 USC 1819; 12 USC 3331; 12 USC 3352

CFR Citation:  12 CFR 323

Legal Deadline: None

Abstract: This rulemaking increases to $250,000 the threshold level at 
or below which appraisals are not required pursuant to Title XI of 
FIRREA, expands and clarifies existing exemptions to the appraisal 
requirement, and identifies additional circumstances when appraisals 
are not required. In addition, the rulemaking amends existing 
requirements governing appraisal content and appraiser independence.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            06/04/93                    58 FR 31878
NPRM Comment Period End         12/10/93                    58 FR 59688
Final Action                    06/07/94                    59 FR 29482
Final Action Effective          06/07/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: James D. Leitner, Examination Specialist, Division of 
Supervision, Federal Deposit Insurance Corporation, Washington, DC 
20429, 202 898-6790

RIN: 3064-AB05
_______________________________________________________________________

5024. SECURITIES OF NONMEMBER INSURED BANKS

Legal Authority:  15 USC 78l

CFR Citation:  12 CFR 335

Legal Deadline: None

Abstract: The FDIC was contemplating issuing an Advanced Notice of 
Proposed Rulemaking (ANPRM) seeking comment on a proposal to amend its 
securities disclosure regulations (12 CFR 335) by incorporating 
appropriate regulations of the Securities and Exchange Commission 
(``SEC'') by cross-reference. This would bring the FDIC's regulations 
on securities disclosure closer in form to those of the other Federal 
financial institutions regulators, and to those of the SEC. It would 
also simplify the complexity and reporting burden associated with the 
disclosure requirements pertaining to registered banks. Rather than 
issue a separate ANPRM, comment was sought on this issue as part of a 
Notice of Proposed Rulemaking on a related subject, published in the 
Federal Register on May 2, 1994 (59 FR 22555). No further action is 
anticipated during the next six months.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

Withdrawn                       07/19/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Lawrence H. Pierce, Chief, Registration and Disclosure 
Section, Division of Supervision, Federal Deposit Insurance 
Corporation, Washington, DC 20429, 202 898-8902

RIN: 3064-AB28
_______________________________________________________________________

5025. FORMS, INSTRUCTIONS, AND REPORTS

Legal Authority:  5 USC 552; 12 USC 1817 to 1820; PL 102-242

CFR Citation:  12 CFR 304

Legal Deadline: None

Abstract: This rulemaking rescinds the requirement that all banks, with 
the exception of insured bankers' banks, give the FDIC prior notice of 
planned rapid growth as a result of any ``special funding plan or 
arrangement.'' The primary effect of this rescission would be to lessen 
the regulatory burden on banks which are currently required to comply 
with the requirement, as well as with the FDIC's brokered deposit and 
prompt corrective action rules, both of which were mandated by FDICIA.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            04/05/94                    59 FR 15869
NPRM Comment Period End         05/05/94
Final Action                    10/06/94                    59 FR 50826
Final Action Effective          11/07/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: William G. Hrindac, Examination Specialist, Division of 
Supervision, Federal Deposit Insurance Corporation, Washington, DC 
20429, 202 898-6892

RIN: 3064-AB33
_______________________________________________________________________

5026. ASSESSMENTS--INVESTMENT CONTRACTS

Legal Authority:  12 USC 1441; 12 USC 1817 to 1819

CFR Citation:  12 CFR 327

Legal Deadline: None

Abstract: This rule provides for the subtraction of certain liabilities 
from an institution's assessment base. The subject liabilities, arising 
under depository institution investment contracts, are those not 
treated as insured deposits under section 11(a)(8) of the Federal 
Deposit Insurance Act.

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            03/01/94                     59 FR 9687
NPRM Comment Period End         03/31/94
Final Action                    06/09/94                    59 FR 29714
Final Action Effective          07/11/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: William Farrell, Chief, Assessments Management Section, 
Division of Finance, Federal Deposit Insurance Corporation, Washington, 
DC 20429, 703 516-5546

RIN: 3064-AB35
_______________________________________________________________________

5027. APPLICATION AND PUBLICATION REQUIREMENTS--REMOTE SERVICE FACILITIES

Legal Authority:  12 USC 378; 12 USC 1813; 12 USC 1815 to 1819; 12 USC 
1828; 12 USC 1831; 15 USC 1607

CFR Citation:  12 CFR 303

Legal Deadline: None

Abstract: This rulemaking provides that a state nonmember bank or a 
state-licensed branch of a foreign bank whose most recent Community 
Reinvestment Act rating is Satisfactory or better, may dispense with 
the public notice requirements that must otherwise be satisfied before 
establishing and operating or relocating a Remote Service Facility 
(RSF).

Timetable:
_________________________________________________________________________

Action                            Date                      FR Cite

_________________________________________________________________________

NPRM                            04/26/94                    59 FR 21676
NPRM Comment Period End         06/27/94
Final Action                    08/23/94                    59 FR 43281
Final Action Effective          08/23/94

Small Entities Affected: None

Government Levels Affected: None

Agency Contact: Curtis L. Vaughn, Examination Specialist, Division of 
Supervision, Federal Deposit Insurance Corporation, Washington, DC 
20429, 202 898-6759

RIN: 3064-AB36
[FR Doc. 94-21033 Filed 11-10-94; 8:45 am]
BILLING CODE 6714-01-F