2011 Rulemakings Published in the Federal Register
January 11 – Risk-Based Capital Guidelines: Market Risk
January 25 – Orderly Liquidation Authority Provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act
February 3 – Registration of Mortgage Loan Originators
February 8 – Conversion from Thrifts Filing the Thrift Financial Report (TFR) to Filing the Consolidated Reports of Condition and Income (Call Report); Notice of Intent to Require Reporting Forms for Savings and Loan Holding Companies
February 11 – Amendments to Deposit Insurance Regulations: Deposit Insurance coverage Training, SMDIA Notification
February 14 – Conformance Period for Entities Engaged in Prohibited Proprietary Trading or Private Equity Fund or Hedge Fund Activities
February 23 – Garnishment of Accounts Containing Federal Benefit Payments
February 24 – Amendment to the Bank Secrecy Act Regulations – Reports of Foreign Financial Accounts
February 25 – Assessments, Large Bank Pricing
March 2 – Truth in Lending – Escrow Requirements on Higher-Priced Mortgage Loans (2 separate publications – a final rule and a proposed rule)
March 15 – Equal Credit Opportunity, Adverse Action Notices; Fair Credit Reporting Risk-Based Pricing Regulations
March 23 – Orderly Liquidation Authority
March 25 – Availability of Funds and Collection of Checks
April 4 – Consumer Leasing; Financial Market Utilities; Truth in Lending
April 14 – Incentive-Based Compensation Arrangements; Prohibition Against Payment of Interest on Demand Deposits
April 15 – Interest on Deposits, Deposit Insurance Coverage; Proposed Assessment Rate Adjustment Guidelines for Large and Highly Complex Institutions
April 22 – Resolution Plans and Credit Exposure Reports Required; Retail Foreign Exchange Transactions
April 25 – Truth in Lending
April 29 – Credit Risk Retention
May 11 – Margin and Capital Requirements for Covered Swap Entities; Truth in Lending/Reg Z (Expansion of Scope of Ability-to-Repay Requirement, Prepayment Penalties)
May 13 – Institution-Affiliated Parties, Clarification of Statement of Policy for Section 19 of the Federal Deposit Insurance Act; Securities Disclosure Regulations Applicable to State Nonmember Banks
May 17 – Retail Foreign Exchange Transactions
May 23 – Regulation E, Electronic Fund Transfers
May 26 – Office of Thrift Supervision Integration; Dodd-Frank Act Implementation
May 31 – List of Rules and Orders that Will Be Enforced by the CFPB; Truth in Lending/Regulation Z (Correction of Errors in the Regulation and the Staff Commentary)
June 1 – Updated Address for Equal Credit Opportunity/Regulation B Compliance
June 6 – OTS Integration: Corrected Address for Submission of Comments
June 8 – OCC – Guidance on Deposit-Related Consumer Credit Products
June 10 – Credit Risk Retention – Extension to Comment Deadline
June 20 – Regulation M, Consumer Leasing Act, Annual Adjustment to Exemption Threshold for Consumer Leases; Regulation Z, Truth in Lending Act, Annual Adjustment to Exemption Threshold for Consumer Credit Transactions; Regulation Z, Truth in Lending Act, Annual Adjustment to HOEPA Points and Fees Trigger
June 21 – Freedom of Information Act and Privacy Act Regulations: Enforcement Under FDIC Regulations Rather than OTS Regulations; S-Corp and Mutual Bank Holding Companies: Tier 1 Capital Treatment of Subordinated Securities Issued Under the Capital Purchase Program or the Small Business Lending Fund
June 24 – Margin and Capital Requirements for Covered Swap Entities – Extension of Comment Deadline; OTS Integration; Technical Correction
July 6 – List of OTS Regulations to Be Enforced by the OCC and FDIC Pursuant to the Dodd-Frank Act; Termination of Monthly Median Cost of Funds Index (MMCOF) and Related Cost of Funds Indices
July 12 – FDIC: Retail Foreign Exchange Transactions
July 14 – FDIC: Repeal of Prohibition on Payment of Interest on Demand Deposits; OCC: Retail Foreign Exchange Transactions
July 18 – Federal Reserve: Repeal of Prohibition Against Payment of Interest on Demand Deposits
July 20 – Regulation Z, Correction to Effective Date of Loan Originator Compensation Provisions; Regulation II, Debit Card Interchange Fees and Routing; Regulation II, Eligibility to Receive Fraud-Prevention Adjustment
July 21 – OTS Integration into OCC and Dodd-Frank Act Implementation
July 22 – CFPB Regulation D (Alternative Mortgage Transaction Parity); Continued Application of Regulations to Savings and Loan Holding Companies
July 28 – CFPB Disclosure of Records and Information; CFPB Rules of Practice for Adjudication Proceedings; CFPB Rules Relating to Investigations; CFPB State Official Notification Rules
August 3 – Federal Reserve Regulation NN – Retail Foreign Exchange Transactions
August 5 – FDIC: Transfer of Certain Regulations Involving State Savings Associations
August 9 – OCC: Recodification of Former OTS Regulations
September 19 – FDIC: Assessment Rate Adjustment Guidelines for Large and Highly Complex Institutions
September 21 – FDIC: Resolution Plans Required for Insured Depository Institutions with $50 Billion or More in Total Asset
October 11 – FinCEN: Comprehensive Iran Sanctions, Accountability, and Divestment Reporting Requirements
October 14 – FDIC: Disclosure of Information; Privacy Act Regulations; Notice and Amendments
October 17 – OCC, Federal Reserve, FDIC: Loans in Areas Having Special Flood Hazards; Interagency Questions and Answers Regarding Flood Insurance; Financial Crimes Enforcement Network: Bank Secrecy Act Regulations: Definition of “Monetary Instrument”
October 18 – Federal Reserve: Regulation J; Collection of Checks and Other Items by Federal Reserve Banks and Funds Transfers Through Fedwire: Elimination of “As-of Adjustments” and Other Clarifications; Federal Reserve: Regulation D; Reserve Requirements of Depository Institutions: Reserves Simplification and Private Sector Adjustment Factor
November 1 – FDIC and Federal Reserve: Resolution Plans Required
November 3 – Federal Reserve: Reserve Requirements of Depository Institutions
November 29 – OCC: Alternatives to the Use of External Credit Ratings in the Regulations of the OCC
December 5 – CFPB: Streamlining Inherited Regulations
December 8 – CFPB: Disclosure fo Certain Credit Card Complaint Data
December 9 – OCC: Alternatives to the Use of External Credit Ratings in the Regulations of the OCC (Technical Corrections)
December 15 – FDIC: Permissible Investments for Federal and State Savings Associations: Corporate Debt Securities; FDIC: Guidance on Due Diligence Requirements for Savings Associations in Determining Whether a Corporate Debt Security is Eligible for Investment
December 16 – CFPB: Fair Debt Collection Practices Act (Regulation F); CFPB: Disclosure Requirements for Depository Institutions Lacking Federal Deposit Insurance (Regulation I); CFPB: Mortgage Acts and Practices – Advertising (Regulation N); Mortgage Relief Services (Regulation O)
December 19 – CFPB: Home Mortgage Disclosure (Regulation C); S.A.F.E. Mortgage Licensing Act (Regulations G & H); Consumer Leasing (Regulation M)
December 20 – CFPB: Real Estate Settlement Procedures Act (Regulation X)
December 21 – CFPB: Privacy of Consumer Financial Information (Regulation P); CFPB: Truth in Savings (Regulation DD); CFPB: Fair Credit Reporting (Regulation V); CFPB: Equal Credit Opportunity (Regulation B); CFPB: Interstate Land Sales Registration Program (Regulation J, K, and L); FDIC, Federal Reserve, OCC: Risk-Based Capital Guidelines: Market Risk; Alternatives to Credit Ratings for Debt and Securitization Positions
December 22 – CFPB: Truth in Lending (Regulation Z); FDIC, Federal Reserve, OCC: Community Reinvestment Act Regulations
December 27 – CFPB: Electronic Fund Transfers (Regulation E)
December 29 – CFPB: Consumer Leasing (Regulation M) Correction; FDIC: Community Reinvestment