2014 Issues of Regulatory Review

RR2014-01:  Consumer Leasing (Regulation M), Truth-In-Lending (Regulation Z) – Consumer Lease Dollar Threshold, Truth-In-Lending (Regulation Z) – CARD Act and HOEPA Dollar Threshold, Risk-Based Capital Guidelines; Market Risk, Financial Market Utilities, Appraisals for Higher-Priced Mortgage Loans, Community Reinvestment Act Regulations, Home of Consumer Financial Protection, Truth-in-Lending (Regulation Z):  Adjustment to Asset-Size Exemption Threshold, Collection of Checks and Others Items by Federal Reserve Banks and Funds Transfers Through Fedwire; Time of Settlement by a Paying Bank For an Item Received From a Reserve Bank, Federal  Reserve Policy on Payment System Risk; Procedures for Measuring Daylight Overdrafts, Resolution of Systemically Important Financial Institutions:  The Single Point of Entry Strategy, Guidance  on Supervisory Concerns and Expectations Regarding Deposit Advance Products—FDIC, Guidance on Supervisory Concerns and Expectations Regarding Deposit Advance Products—OCC, Extension of Comment Period for Proposed Interagency Policy Statement Establishing Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies

RR2014-02:  Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth-In-Lending Act (Regulation Z); Prohibition Against Federal Assistance to Swaps Entities (Regulation KK); Treatment of Certain Collateralized Debt Obligations Backed Primarily by Trust Preferred Securities with Regard to Prohibitions and Restrictions on Certain Interests in, and Relationships with, Hedge Funds and Private Equity Funds; Prohibitions and Restrictions on Proprietary Trading and Certain Interests in, and Relationships with, Hedge Funds and Private Equity Funds; Anti-Money Laundering Program and Suspicious Activity Report Ruling Requirements for Housing Government Sponsored Enterprises; Basel III Conforming Amendments Related to Cross-References, Subordinated Debt and Limits Based on Regulatory Capital; Application of the Revised Capital Framework to the Capital Plan and Stress Test Rules; Extensions of Credit by Federal Reserve Banks; Defining Larger Participants of the International Money Transfer Market; Identity Theft Red Flags (Regulation V); Truth-In-Savings (Regulation DD); Minimum Requirements for Appraisal Management Companies; Request for Information Regarding Mortgage Closing Process; Supervisory Guidance on Implementing Dodd-Frank Act Company-Run Stress Tests for Banking Organizations with Total Consolidated Assets of More Than $10 Billion but Less Than $50 Billion

RR2014-03:  Restrictions on Sales of Assets of a Covered Financial Company by the Federal Deposit Insurance Corporation, Loan Guaranty:  Ability-to-Repay Standards and Qualified Mortgage Definition Under the Truth-in-Lending Act, Integration of National Bank and Savings Association Regulations:  Interagency Rules, Privacy of Consumer Information (Regulation P), Identity Theft Red Flags (Regulation V), Application of Regulation Z’s Ability-to-Repay Rule to Certain Situations Involving Successors-in-Interest, Truth-in-Savings (Regulation DD), Assessment of Fees, Regulatory Capital Rules:  Regulatory Capital Implementation of Basel III, Capital Adequacy, Transition Provisions, Prompt Corrective Action, Standardized Approach for Risk-Weighted Assets, Market Discipline and Disclosure Requirements, Advanced Approaches Risk-Based Capital Rule, and Market Risk Capital Rule, Rules of Practice for Issuance of Temporary Cease-and-Desist Orders, Federal Government Participation in the Automated Clearing House, Amendments to the 2013 Mortgage Rules Under the Truth-In-Lending Act (Regulation Z), Annual Stress Test, Home Mortgage Disclosure (Regulation C), Regulations Transferred From the Office of Thrift Savings and Rules of Practice and Procedure, Regulatory Capital Rules:  Advanced Approaches Risk-Based Capital Rule, Revisions to the Definition of Eligible Guarantee, Request for Information Regarding the Use of Mobile Financial Services by Consumers and its Potential for Improving the Lives of Economically Vulnerable Consumers, Addendum to the Interagency Policy Statement on Income Tax Allocation in a Holding Company  Structure, Correction:  Rules, Policies and Procedures for Corporate Activities, Correction:  Leasing

RR2014-04:  Truth-in-Lending (Regulation Z) Annual Threshold Adjustments (Card Act, HOEPA, and ATR/QM); OCC Guidelines Establishing Heightened Standards for Certain Large Insured National Banks; Insured Federal Savings Associations, and Insured Federal Branches; Integration of Regulations; Electronic Fund Transfers (Regulation E); Regulatory Capital Rules:  Regulatory Capital, Enhanced Supplementary Leverage Ratio Standards for Certain Bank Holding Companies and Their Subsidiary Insured Depository Institutions; Regulatory Capital Rules:  Regulatory Capital, Proposed Revisions to the Supplementary Leverage Ratio; Annual Stress Test—Schedule Shift and Adjustments to Regulatory Capital Projections; Extensions of Credit by Federal Reserve Banks; Corrections:  Debt Cancellation Contracts and Debt Suspension Agreements; Correction:  Rules, Policies, and Procedures for Corporate Activities; Policy Guidance on Supervisory and Enforcement Considerations Relevant to Mortgage Brokers; Transitioning to Mini-Correspondent Lenders; Transferred OTS Regulations Regarding Possession by Conservators and Receivers for Federal and State Savings Associations; Transferred OTS Regulations Regarding Electronic Operations; Disclosure of Consumer Compliant Narrative Data; Transferred OTS Regulations and FDIC Regulations Regarding Management Official Interlocks; Assessments; Correction:  Truth-in-Lending (Regulation Z); Customer Due Diligence Requirements for Financial Institutions; Unfair or Deceptive Trade Practices (Regulation AA); Correction:  Capital Adequacy Standards; Community Reinvestment Act:  Interagency Questions and Answers Regarding Community; Reinvestment; Notice; Integration of National Bank and Federal Savings Association Regulations:  Licensing Rules