Forms & Guidance

List of Topics

Bank Holding Companies

Appendix C to Regulation Y – Re: bank holding companies: Appendix C to Regulation Y -policy statement on small bank holding companies
Form FR Y-3 for bank holding companies: Application for Prior Approval to Become a Bank Holding Company, or for a Bank Holding Company to Acquire an Additional Bank or Bank Holding Company
Form FR Y-3N for bank holding companies: Notification for Prior Approval to Become a Bank Holding Company, or for a Bank Holding Company to Acquire an Additional Bank or Bank Holding Company
Form FR Y-4 for Bank Holding Companies: Notification for Prior Approval to Engage Directly or Indirectly in Certain Nonbanking Activities
Regulation W: Regulation governing transactions between member banks and their affiliates

For more information, please refer to the Bank Life Cycle section on Bank Holding Companies.

Federal Reserve's Commercial Bank Examination Manual—Section 5000: This section of the Commercial Bank Examination Manual describes the duties and responsibilities of directors
Insights for Bank Directors: Online training for bank directors developed by the Federal Reserve Bank of St. Louis. This training introduces bank directors to corporate governance and director duties and responsibilities; covers basic bank financial analysis; and discusses the sources, control, and monitoring of portfolio risks, including credit, liquidity, and market risks.
Officer/Director Background Checks: Information related to background checks, including fingerprint requirements
Resources for Bank Directors: Provides resources designed to assist bank directors with their management oversight responsibilities. Developed by the Federal Reserve Bank of Kansas City.

For more information, please refer to the Bank Life Cycle section on Board of Directors - Profile and Core Characteristics.

Branch application: How to submit a branch application
Interagency Policy Statement on Branch Closings: Closing a branch requires specific notices to both regulators and customers. Please refer to the policy for detailed information
Notice of branch closure: US Code: Titile 12, Notice of branch closure

For more information, please refer to the Bank Life Cycle section on Branching.

Bank Holding Company Supervision Manual: Nonbank Activities: Section 3000 provides information on permissible nonbank activities
Capital Requirements: Section 4060.3 provides information on capital requirements
Commercial Bank Examination Manual: Assessment of Capital Adequacy: Section 3020.1 provides information on how capital ratios are interpreted under the PCA guidelines of Regulation H, part D
Commercial Bank Examination Manual: Bank Premises: Section 2190.1 provides information on limitations on investment in bank premises
Community Development Banks: Information on special capital rules for community development banks

For more information, please refer to the Bank Life Cycle section on Capital Requirements.

For more information, please refer to the Bank Life Cycle section on Credit Risk.

Census Tracts and Block Numbering Areas: Provides guidance on understanding census tracts and block numbering areas, as well as links to resource centers for census data, census tract, and BNA maps

For more information, please refer to the Bank Life Cycle section on Demographic Analysis.

Minority Bank Deposit Program: The U.S. Treasury Department developed this program to help preserve and strengthen minority-owned institutions. This voluntary program encourages federal agencies, state and local governments and the private sector to use Minority Bank Deposit Program participants as depositaries and financial agents.

Appendix D of Regulation H: Interagency Guidelines Establishing Standards for Safety and Soundness
Regulation H: Membership of state banking institutions in the Federal Reserve System

For more information, please refer to the Bank Life Cycle section on Market Expansion.

FFIEC IT Examination Handbook InfoBase: Federal Financial Institutions Examination Council (FFIEC) guidance on 12 information technology topics, a glossary of IT terms, and links to other related resources

For more information, please refer to the Bank Life Cycle section on Vendor and Outsourcing Management.

Federal Reserve Bank of Chicago: Risk Management: The Chicago Federal Reserve market risk page provides guidance and commentary on market risk conditions.

For more information, please refer to the Bank Life Cycle section on Interest Rate Risk.

BAI online: Online newsletter detailing best practices related to strategic and managerial issues in the financial services industry
Interagency Policy Statement on the Internal Audit Function and Its Outsourcing: Guidance issued in March 2003 on guidelines for outsourcing the internal audit function (SR Letter 03-04).
Outsourcing Financial Services Activities: Industry Practices to Mitigate Risks: FRB-New York white paper on outsourcing

For more information, please refer to the Bank Life Cycle section on Vendor and Outsourcing Management.

Federal Reserve link to all regulation: Listings of all Federal Reserve regulations
Regulation W: Regulation governing transactions between member banks and their affiliates

For more information, please refer to the Bank Life Cycle section on The Supervisory Process and Regulatory Relations.

Bank Holding Company Application Filing Information: Bank holding company formations and supervision are the responsibility of the Federal Reserve. A separate application is needed to form a holding company. This application can be filed in conjunction with the charter application or at a later date.
Conference of State Bank Supervisors: Provides details concerning state charter application requirements
Form 2083 A/B/C: Separate membership application (filed with the Federal Reserve, after preliminary charter approval is granted by the appropriate state chartering agency).
Interagency Charter and Federal Deposit Insurance Application: Interagency form issued by the OCC, the OTS, and the FDIC. Consolidates the reporting requirements of the above-mentioned regulatory agencies to help eliminate duplicative information.
Regulation H: Membership of state banking institutions in the Federal Reserve System
SR Letter 01-13, Supervisory guidance relating to a change to permissible securities activities of state member banks: Supervisory guidance on permissible securities activities for state member banks
The Federal Reserve's Application Filing Information: Provides general information about the types of filings required by the Federal Reserve and how they are processed

For more information, please refer to the Bank Life Cycle section on De Novo Bank Application Process.

FRB Supervisory Letters: All Supervision and Regulation Letters issued from 1990 to the present
Investment in Bank Premises: Federal Reserve Act 24A — Investment in Bank Premises or Stock of Corporation Holding Premises
SR Letter 01-13, Supervisory guidance relating to a change to permissible securities activities of state member banks: Supervisory guidance on permissible securities activities for state member banks

For more information, please refer to the Bank Life Cycle section on The Supervisory Process and Regulatory Relations.