Regulations Skip to Content
Congress has assigned to the Board responsibility for implementing the Federal Reserve Act, which established the Federal Reserve System, and certain other laws pertaining to a wide range of banking and financial activities. The Board implements those laws in part through its regulations, which are codified in title 12, chapter II, of the Code of Federal Regulations (12 CFR 201 et seq.).
Following is a brief description of each of the Board's regulations, with links to the full text of the regulation on the U.S. Government Printing Office (GPO) site. All appendixes, as well as supplements containing official staff commentaries, are included. To read an appendix or supplement, click on the link for the last section of the regulation and scroll down.
The GPO updates title 12 of the CFR annually, incorporating all amendments effective as of January 1. Links are therefore provided to all amendments effective after January 1, 2003.
Also provided are links to all pending proposed amendments. During the comment period, comments on proposals may be submitted in writing or by electronic mail (see the text of the proposal for contact details) or by using the electronic comment form provided.
Also included, for many regulations, are compliance guides for small entities. These guides were written to meet the requirements of the Small Business Regulatory Enforcement Fairness Act of 1996.
|A||12 CFR 201||Extensions of Credit by Federal Reserve Banks|
|B||12 CFR 202||Equal Credit Opportunity|
|C||12 CFR 203||Home Mortgage Disclosure|
|D||12 CFR 204||Reserve Requirements of Depository Institutions|
|E||12 CFR 205||Electronic Fund Transfers|
|F||12 CFR 206||Limitations on Interbank Liabilities|
|G||12 CFR 207||Disclosure and Reporting of CRA-Related Agreements|
|H||12 CFR 208||Membership of State Banking Institutions in the Federal Reserve System|
|I||12 CFR 209||Issue and Cancellation of Federal Reserve Bank Capital Stock|
|J||12 CFR 210||Collection of Checks and Other Items by Federal Reserve Banks and Funds Transfers through Fedwire|
|K||12 CFR 211||International Banking Operations|
|L||12 CFR 212||Management Official Interlocks|
|M||12 CFR 213||Consumer Leasing|
|N||12 CFR 214||Relations with Foreign Banks and Bankers|
|O||12 CFR 215||Loans to
Executive Officers, Directors,|
and Principal Shareholders of Member Banks
|P||12 CFR 216||Privacy of Consumer Financial Information|
|Q||12 CFR 217||Prohibition against Payment of Interest on Demand Deposits|
|S||12 CFR 219||Reimbursement to Financial Institutions for Providing Financial Records; Recordkeeping Requirements for Certain Financial Records|
|T||12 CFR 220||Credit by Brokers and Dealers|
|U||12 CFR 221||Credit by Banks or Persons other than Brokers or Dealers for the Purpose of Purchasing or Carrying Margin Stocks|
|V||12 CFR 222||Fair Credit Reporting (Proposed)|
|W||12 CFR 223||Transactions between Member Banks and Their Affiliates|
|X||12 CFR 224||Borrowers of Securities Credit|
|Y||12 CFR 225||Bank Holding Companies and Change in Bank Control|
|Z||12 CFR 226||Truth in Lending|
|AA||12 CFR 227||Unfair or Deceptive Acts or Practices|
|BB||12 CFR 228||Community Reinvestment|
|CC||12 CFR 229||Availability of Funds and Collection of Checks|
|DD||12 CFR 230||Truth in Savings|
|EE||12 CFR 231||Netting Eligibility for Financial Institutions|
|12 CFR 250||Miscellaneous Interpretations|
|Capital Adequacy Guidelines|
Printed copies of individual regulations are available, free of charge, from the Board's Publications Services Section.
For those who need additional interpretive material, the Board also publishes the Federal Reserve Regulatory Service (FRRS), which contains all Board regulations as well as authorizing statutes, policy statements, interpretations, and staff commentaries and opinions--all extensively cross-referenced through a subject index, citation indexes, and finding tables. This subscription service, which is updated monthly, is available in four loose-leaf volumes or on CD-ROM.
For those with a more specialized interest in the Board's regulations, four parts of the FRRS are published separately as the Monetary Policy and Reserve Requirements Handbook, the Securities Credit Transactions Handbook, the Consumer and Community Affairs Handbook, and the Payment System Handbook. These handbooks, which are also updated monthly, are available only in loose-leaf form.