2012 Issues of Regulatory Review

RR2012-01 Community Reinvestment Act Regulations; Mortgage Acts and Practices—Advertising (CFPB Regulation N) and Mortgage Assistance Relief Services (CFPB Regulation O); Home Mortgage Disclosure (CFPB Regulation C); S.A.F.E. Mortgage Licensing Act (CFPB Regulations G & H); Consumer Leasing (CFPB Regulation M); Real Estate Settlement Procedures Act (CFPB Regulation X) , Privacy of Consumer Financial Information (CFPB Regulation P); Truth-in-Savings (CFPB Regulation DD); Fair Credit Reporting (CFPB Regulation V); Equal Credit Opportunity (CFPB Regulation B); Truth-in-Lending (CFPB Regulation Z); Electronic Fund Transfers (CFPB Regulation E); Risk-Based Capital Guidelines: Market Risk; Alternatives to Credit Ratings for Debt and Securitization Positions; Prohibitions and Restrictions on Proprietary Trading and Certain Interests in, and Relationships with, Hedge Funds and Private Equity Funds ; Assessment of Fees on Large Bank Holding Companies and Nonbank Financial Companies Supervised by the Federal Reserve Board to Cover the Expense of the Financial Research Fund

RR2012-02 Collection Of Checks And Other Items By Federal Reserve Banks And Funds Transfers Through Fedwire: Elimination Of “As-Of Adjustments” And Other Clarifications, Reserve Requirements Of Depository Institutions: Reserve Simplification Enhanced Prudential Standards And Early Remediation Requirements For Covered Companies, Reserve Requirements Of Depository Institutions: Reserve Simplification Enhanced Prudential Standards And Early Remediation Requirements For Covered Companies, Customer Due Diligence Requirements For Financial Institutions, Truth In Lending (Regulation Z), Truth In Lending (Regulation Z), Annual Stress Test, Assessments, Large Bank Pricing, Impacts Of Overdraft Programs On Consumers, Streamlining Inherited Regulations, Fair Credit Reporting Act Disclosures, Proposed Guidance On Leverage Lending

RR2012-03 Guidance on Reporting Interest Paid to Nonresident Aliens, Assessment of Fees on Large Bank Holding Companies to Cover the Expenses of the Financial Research Fund, Exemption from the Requirement to Report Transactions in Currency, Calculation of Maximum Obligation Limitation, Supplemental Standards of Ethical Conduct for Employees of the CFPB, Regulation E: Extending Protections to General Purpose Reloadable Prepaid Cards, Supervisory Guidance on Stress Testing for Banking Organizations with More Than $10 Billion in Total Consolidated Assets, Guidance on the Effective Date of Section 716 of the Dodd-Frank Act, Payment System Risk Policy; Daylight Overdraft Posting Rules, Privacy Act System of Records for the CFPB, Procedures for Monitoring BSA Compliance and Fair Credit Reporting; Technical Amendments, Statement of Policy Regarding Conformance Period for Entities Engaged in Prohibiting Proprietary Trading or Private Equity Fund or Hedge Fund Activities, Disclosure of Certain Credit Card Complaint Data, Disclosure of Consumer Complaint Data, Community Development Financial Institutions Fund

RR2012-04 Rules of Practice for Adjudication Proceedings, Electronic Fund Transfers (Regulation E) – Correction, Equal Access to Justice Act Implementation Rule, Consumer Use of Reverse Mortgages, Guidance on Due Diligence Requirements in Determining Whether Securities are Eligible for Investment, Request for Information Regarding Senior Financial Exploitation, Request for Comments: Customer Due Diligence Requirements for Financial Institutions; Public Hearing

RR2012-05 Alternatives to the Use of External Credit Ratings in the Regulations of the OCC, Confidential Treatment of Privileged Information, State Official Notification Rule, Rules Relating to Investigations, Permissible Investments for Federal and State Savings Associations: Corporate Debt Securities, Lending Limits

RR2012-06 Financial Market Utilities, Debit Card Interchange Fees and Routing, Electronic Fund Transfers (Regulation E), Risk-Based Capital Guidelines: Market Risk, High-Cost Mortgage & Homeownership Counseling Amendments to the Truth-in-Lending Act (Regulation Z) & Homeownership Counseling Amendments to the Real Estate Settlement Procedures Act (Regulation X), Equal Credit Opportunity Act (Regulation B), Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth-in-Lending Act (Regulation Z), Regulatory Capital Rules: Regulatory Capital, Implementation of Basel III, Minimum Regulatory Capital Ratios, Capital Adequacy, Transition Provisions, and Prompt Corrective Action, Appraisals for Higher-Risk Mortgage Loans

RR2012-07 Short-Term Investment Funds, Annual Stress Test—OCC Regulated Institutions, Supervisory and Company-Run Stress Test Requirements for Covered Companies, Annual Company-Run Stress Test Requirements for Banking Organizations with Total Consolidated Assets Over $10 Billion Other Than Covered Companies, Annual Stress Test—FDIC Regulated Institutions, Enforcement of Subsidiary and Affiliate Contracts by the FDIC as Receiver of a Covered Financial Company, 2012 Truth-in-Lending Act (Regulation Z) Mortgage Servicing, 2012 Real Estate Settlement Procedures Act (Regulation X) Mortgage Servicing Proposal, Margin and Capital Requirements for Covered Swap Entities; Reopening of Comment Period, Retail Foreign Exchange Transactions

RR2012-08 Reimbursement To Financial Institutions For Providing Financial Records; Recordkeeping Requirements For Certain Financial Records; Reserve Requirements Of Depository Institutions; Reserve Requirements Of Depository Institutions: Reserves Simplification; Assessments, Large Bank Pricing; Rules Of Practice And Procedure, Civil Money Penalty Inflation Adjustments-OCC; Rules Of Practice And Procedure, Civil Money Penalty Inflation Adjustments-FDIC; Truth-in-Lending Act (Regulation Z); Fair Credit Reporting (Regulation V); Correction; Policy Statement On The Principles For Development And Distribution Of Annual Stress Test Scenarios-OCC; Policy Statement On The Principles For Development And Distribution Of Annual Stress Test Scenarios-FDIC’ Policy Statement On The Scenario Design Framework From Stress Testing; Proposed Recommendations Regarding Money Market Mutual Fund Reform; Truth In Lending (Regulation Z); Official Interpretation; Delayed Implementation Of Certain New Mortgage Disclosures; Official Interpretation