2012 Rulemakings Published in the Federal Register

Consumer Financial Protection Bureau (CFPB)

February 28: Impacts of Overdraft Programs on Consumers

March 13:new Streamlining Inherited Regulations

April 3:new Fair Credit Reporting Act Disclosures

April 12:new Truth in Lending (Regulation Z)

April 25:new Impact of Overdraft Programs on Consumers

April 27:new Supplemental Standards of Ethical Conduct for Employees of the Bureau of Consumer Financial Protection

May 10:new Notice of Proposed Privacy Act System of Records

May 24:new Electronic Fund Transfers (Regulation E)

June 5:new Truth in Lending (Regulation Z)

June 13:new Establishment of Privacy Act System of Records

June 19:new Request for Information Regarding Senior Financial Exploitation

June 22:new Disclosure of Consumer Complaint Data

June 22:new Disclosure of Certain Credit Card Complaint Data

June 29:new Equal Access to Justic Act Implementation Rule

June 29:new State Official Notification Rule

June 29:new Rules Relating to Investigations

June 29:new Rules of Practice for Adjudication Proceedings

July 2:new Consumer Use of Reverse Mortgages

July 5:new Confidential Treatment of Privileged Information

July 10: Regulation E Correction

August 2: Proposed Guidelines for Ensuring and Maximizing the Quality, Objectivity, Utility, and Integrity of Information Disseminated by the Bureau of Consumer Financial Protection

August 15: High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act (Regulation Z) and Homeownership Counseling Amendments to the Real Estate Settlement Procedures Act (Regulation X)

August 20: Electronic Fun Transfers (Regulation E)

August 21: Equal Credit Opportunity Act (Regulation B)

August 23: Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)

September 5: Appraisals for Higher-Risk Mortgage Loans

September 6:new Integrated Mortgage Disclosures Under the Real Estate Settlement Procedure Act (Regulation X) and the Truth in Lending Act (Regulation Z)

September 6: High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act (Regulation Z) and Homeownership Counseling Amendments to the Real Estate Settlement Procedures Act (Regulation X)

September 17:new 2012 Real Estate Settlement Procedures Act (Regulation X) Mortgage Servicing Proposal

September 17:new 2012 Truth in Lending Act (Regulation Z) Mortgage Servicing

November 7: Truth in Lending (Regulation Z)

November 14: Fair Credit Reporting (Regulation V); Correction

November 21: Truth in Lending (Regulation Z)

November 21: Consumer Leasing (Regulation M)

November 23:new Delayed Implementation of Certain New Mortgage Disclosures

December 18: Fair Credit Reporting Act Disclosures

December 28: Procedure Relating to Rulemaking

December 31: Home Mortgage Disclosure (Regulation C): Adjustment to Asset-Size Exemption Threshold

December 31:new Electronic Fund Transfers (Regulation E)

 

Federal Deposit Insurance Corporation (FDIC)

 

 

January 3:new Prohibitions and Restrictions on Proprietary Trading and Certain Interests in, and Relationships With, Hedge Funds and Private Equity Fundsnew

March 21: newAnnual Stress Test

March 27:new Assessments, Large Bank Pricing

March 30:new Proposed Guidance on Leveraged Lending

May 10:new Guidance on the Effective Date of Section 716 of the Dodd-Frank Wall Street Reform and Consumer Protection Act

May 17:new Supervisory Guidance on Stress Testing for Banking Organizations With More Than $10 Billion in Total Consolidated Assets

May 23:new Procedures for Monitoring Bank Secrecy Act Compliance and Fair Credit Reporting: Technical Amendments; Correction

June 22:new Calculation of Maximum Obligation Limitation

July 24:new Permissible Investments for Federal and State Savings Associations: Corporate Debt Securities

July 24:new Guidance on Due Diligence Requirements for Savings Associations in Determining Whether a Corporate Debt Security is Eligible for Investment

August 30: Risk-Based Capital Guidelines: Market Risk

September 5: Appraisals for Higher-Risk Mortgage Loans

October 2: Margin and Capital Requirements for Covered Swap Entities; Reopening of Comment Period

October 15: Annual Stress Test

October 16: Enforcement of Subsidiary and Affiliate Contracts by the FDIC as Receiver of a Covered Financial Company

October 31: Assessments, Large Bank Pricing

December 21: Community Reinvestment Act Regulations

Federal Reserve (Fed)

 

 

January 3:new Prohibitions and Restrictions on Proprietary Trading and Certain Interests in, and Relationships With, Hedge Funds www.gpo.gov/fdsys/pkg/FR-2012-03-05/pdf/2012-5187.pdfand Private Equity Funds

January 5:new Enhanced Prudential Standards and Early Remediation Requirements for Covered Companies

March 7:new Enhanced Prudential Standards and Early Remediation Requirements for Covered Companies: Extension of Comment Period

March 30: Proposed Guidance on Leveraged Lending

April 12:new Collection of Checks and Other Items by Federal Reserve Banks and Funds Transfers Through Fedwire: Elimination of ‘‘As-of Adjustments’’ and Other Clarifications

April 12:new Reserve Requirements of Depository Institutions: Reserves Simplification

April 17:new Payment System Risk Policy; Daylight Overdraft Posting Rules

May 10: Guidance on the Effective Date of Section 716 of the Dodd-Frank Wall Street Reform and Consumer Protection Act

May 17: Supervisory Guidance on Stress Testing for Banking Organizations With More Than $10 Billion in Total Consolidated Assets

June 8:new Statement of Policy Regarding the Conformance Period for Entities Engaged in Prohibited Proprietary Trading or Private Equity Fund or Hedge Fund Activities

August 2: Financial Market Utilities

August 3: Debit Card Interchange Fees and Routing

August 30: Risk-Based Capital Guidelines: Market Risk

September 5: Appraisals for Higher-Risk Mortage Loans

October 2: Margin and Capital Requirements for Covered Swap Entities; Reopening of Comment Period

October 12:new Supervisory and Company-Run Stress Test Requirements for Covered Companies

October 12: Annual Company-Run Stress Test Requirements for Banking Organizations with Total Consolidated Assets Over $10 Billion Other Than Covered Companies

October 25: Reimbursement to Financial Institutions for Providing Financial Records; Recordkeeping Requirements for Certain Financial Records

October 31: Reserve Requirements of Depository Institutions

November 5: Reserve Requirements of Depository Institutions: Reserves Simplification

November 16: Rules of Practice for Hearings

November 21: Truth in Lending (Regulation Z)

November 21: Consumer Leasing (Regulation M)

November 23:new Policy Statement on the Scenario Design Framework for Stress Testing

December 21: Community Reinvestment Act Regulations

December 28: Enhanced Prudential Standards and Early Remediation Requirements for Foreign Banking Organizations and Foreign Nonbank Financial Companies

Financial Crimes Enforcement Network (FinCEN)

 

March 5:new Customer Due Diligence Requirements for Financial Institutions

May 10:new Customer Due Diligence Requirements for Financial Institutions: Extension of Comment Period

June 7:new Amendment to the Bank Secrecy Act Regulations — Exemption From the Requirement To Report Transactions
in Currency

July 13:new Request for Comments: Customer Due Diligence Requirements for Financial Institutions; Public Hearing

Office of the Comptroller of the Currency (OCC)

 

 

January 3:new Prohibitions and Restrictions on Proprietary Trading and Certain Interests in, and Relationships With, Hedge Funds and Private Equity Funds

March 21:new Annual Stress Test

March 30:new Proposed Guidance on Leveraged Lending

May 10: Guidance on the Effective Date of Section 716 of the Dodd-Frank Wall Street Reform and Consumer Protection Act

May 17: Supervisory Guidance on Stress Testing for Banking Organizations With More Than $10 Billion in Total Consolidated Assets

June 13:new Guidance on Due Diligence Requirements in Determining Whether Securities Are Eligible for Investment

June 13:new Alternatives to the Use of External Credit Ratings in the Regulations of the OCC

June 21:new Lending Limits

August 30:new Risk-Based Capital Guidelines: Market Risk

September 5: Appraisals for Higher-Risk Mortgage Loans

October 2:new Margin and Capital Requirements for Covered Swap Entities; Reopening of Comment Period

October 9: Short-Term Investment Funds

October 9: Annual Stress Test

October 12:new Retail Foreign Exchange Transactions

November 6: Rules of Practice and Procedure; Rules of Practice and Procedure in Adjudicatory Proceedings; Civil Money Penalty Inflation Adjustments

November 15: Policy Statement on the Principles for Development and Distribution of Annual Stress Test Scenarios

December 21: Community Reinvestment Act Regulations

December 31: Lending Limits

U.S. Treasury

 

 

January 3:new Prohibitions and Restrictions on Proprietary Trading and Certain Interests in, and Relationships With, Hedge Funds and Private Equity Funds

January 3:new Assessment of Fees on Large Bank Holding Companies and Nonbank Financial Companies Supervised by the Federal Reserve Board to Cover the Expenses of the Financial Research Fund

April 19:new Guidance on Reporting Interest Paid to Nonresident Aliens

May 21:new Assessment of Fees on Large Bank Holding Companies and Nonbank Financial Companies Supervised by the Federal Reserve Board To Cover the Expenses of the Financial Research Fund

June 22:new Community Development Financial Institutions Fund

August 30: Risk-Based Capital Guidelines: Market Risk

October 9: Short-Term Investment Funds

October 9: Annual Stress Test

Octobernew 12:new Retail Foreign Exchange Transactions

November 6: Rules of Practice and Procedure; Rules of Practice and Procedure in Adjudicatory Proceedings; Civil Money Penalty Inflation Adjustments

November 15: Policy Statement on the Principles for Development and Distribution of Annual Stress Test Scenarios