Title 12 published on 2014-01-01
The following are only the Rules published in the Federal Register after the published date of Title 12.
For a complete list of all Rules, Proposed Rules, and Notices view the Rulemaking tab.
2014-12-30; vol. 79 # 249 - Tuesday, December 30, 2014 79 FR 78296 - Appraisals for Higher-Priced Mortgage Loans Exemption Threshold Adjustment—Final Rule
GPO FDSys XML | Text Additional Documents BUREAU OF CONSUMER FINANCIAL PROTECTION, BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM, DEPARTMENT OF THE TREASURY, Office of the Comptroller of the Currency Final rule; official staff interpretations; technical amendment. This final rule is effective January 1, 2015. 12 CFR Part 34 Summary The OCC, the Board and the Bureau are publishing final rules amending the official staff interpretations for their regulations that implement section 129H of the Truth in Lending Act (TILA). Section 129H of TILA establishes special appraisal requirements for “higher-risk mortgages,” termed “higher-priced mortgages” or “HPMLs” in the agencies' regulations. The OCC, the Board, the Bureau, the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration (NCUA) and the Federal Housing Finance Agency (FHFA) (collectively, the Agencies) issued joint final rules implementing these requirements, effective January 18, 2014. The Agencies' rules exempted, among other loan types, transactions of $25,000 or less, and required that this loan amount be adjusted annually based on any annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Based on the annual percentage increase in the CPI-W as of June 1, 2014, the OCC, the Board and the Bureau are adjusting the exemption threshold to $25,500, effective January 1, 2015.
2014-05-16; vol. 79 # 95 - Friday, May 16, 2014 79 FR 28393 - Integration of National Bank and Savings Association Regulations: Interagency Rules
GPO FDSys XML | Text Additional Documents DEPARTMENT OF THE TREASURY, Office of the Comptroller of the Currency Final rule. This final rule is effective on June 16, 2014. 12 CFR Parts 14, 21, 26, 34, 35, 41, 133, 136, 160, 163, 164, 171, and 196 Summary The Office of the Comptroller of the Currency (OCC) is combining certain rules originally issued jointly with the other Federal banking agencies by the OCC with respect to national banks and by the former Office of Thrift Supervision (OTS) with respect to savings associations. Specifically, the OCC is combining rules relating to consumer protection in insurance sales, Bank Secrecy Act (BSA) compliance, management interlocks, appraisals, disclosure and reporting of Community Reinvestment Act (CRA)-related agreements, and the Fair Credit Reporting Act (FCRA). This rulemaking also makes technical amendments to the OCC's FCRA rule to conform to provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act or Act). This rulemaking will not result in any substantive changes in the combined rules. It will, however, streamline OCC rules, reduce duplication, and create efficiencies by establishing a single set of these rules for all entities supervised by the OCC.
2014-03-21; vol. 79 # 55 - Friday, March 21, 2014 79 FR 15639 - Technical Amendments: Removal of Rules Transferred to the Consumer Financial Protection Bureau; OCC Address Change
GPO FDSys XML | Text Additional Documents DEPARTMENT OF THE TREASURY, Office of the Comptroller of the Currency Final rule. Effective March 21, 2014. 12 CFR Parts 4, 5, 7, 10, 11, 16, 19, 24, 34, and 40 Summary The Office of the Comptroller of the Currency (OCC) is removing regulations concerning registration of mortgage loan originators, and regulations relating to privacy of consumer financial information. Rulemaking authority for these rules transferred to the Consumer Financial Protection Bureau on July 21, 2011 pursuant to Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, and these OCC rules are therefore no longer operative. The OCC also is amending its regulations to update its address to reflect its move to a new headquarters building, to update the address of its Freedom of Information Act web portal, and to update its Web site address.
2014-02-28; vol. 79 # 40 - Friday, February 28, 2014 79 FR 11300 - Basel III Conforming Amendments Related to Cross-References, Subordinated Debt and Limits Based on Regulatory Capital
GPO FDSys XML | Text Additional Documents DEPARTMENT OF THE TREASURY, Comptroller of the Currency Interim final rule and request for comments. This interim final rule is effective March 31, 2014. Comments must be received by March 31, 2014. 12 CFR Parts 1, 4, 5, 16, 23, 24, 28, 32, 34, 46, 116, 143, 145, 159, 160, 161, 163 and 192 Summary The Office of the Comptroller of the Currency (OCC) is making technical and conforming amendments to its regulations governing national banks and Federal savings associations to make those regulations consistent with the recently adopted Basel III Capital Framework. As part of these technical amendments, the OCC is revising and clarifying its regulations governing subordinated debt applicable to national banks and Federal savings associations.
Title 12 published on 2014-01-01
The following are ALL rules, proposed rules, and notices (chronologically) published in the Federal Register relating to 12 CFR 34 after this date.
2014-12-30; vol. 79 # 249 - Tuesday, December 30, 2014 79 FR 78296 - Appraisals for Higher-Priced Mortgage Loans Exemption Threshold Adjustment—Final Rule
GPO FDSys XML | Text Additional Documents BUREAU OF CONSUMER FINANCIAL PROTECTION, BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM, DEPARTMENT OF THE TREASURY, Office of the Comptroller of the Currency Final rule; official staff interpretations; technical amendment. This final rule is effective January 1, 2015. 12 CFR Part 34 Summary The OCC, the Board and the Bureau are publishing final rules amending the official staff interpretations for their regulations that implement section 129H of the Truth in Lending Act (TILA). Section 129H of TILA establishes special appraisal requirements for “higher-risk mortgages,” termed “higher-priced mortgages” or “HPMLs” in the agencies' regulations. The OCC, the Board, the Bureau, the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration (NCUA) and the Federal Housing Finance Agency (FHFA) (collectively, the Agencies) issued joint final rules implementing these requirements, effective January 18, 2014. The Agencies' rules exempted, among other loan types, transactions of $25,000 or less, and required that this loan amount be adjusted annually based on any annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Based on the annual percentage increase in the CPI-W as of June 1, 2014, the OCC, the Board and the Bureau are adjusting the exemption threshold to $25,500, effective January 1, 2015.
2014-06-10; vol. 79 # 111 - Tuesday, June 10, 2014 79 FR 33260 - Integration of National Bank and Federal Savings Association Regulations: Licensing Rules
GPO FDSys XML | Text Additional Documents DEPARTMENT OF THE TREASURY, Office of the Comptroller of the Currency Notice of proposed rulemaking. Comments must be received on or before August 11, 2014. 12 CFR Parts 4, 5, 7, 14, 32, 34, 100, 116, 143, 144, 145, 146, 150, 152, 159, 160, 161, 162, 163, 174, 192, 193 Summary The Office of the Comptroller of the Currency (OCC) is proposing to integrate its rules relating to policies and procedures for corporate activities and transactions involving national banks and Federal savings associations, to revise some of these rules in order to eliminate unnecessary requirements consistent with safety and soundness, and to make other technical and conforming changes. The OCC also is proposing amendments to update its rules for agency organization and function.
2014-05-16; vol. 79 # 95 - Friday, May 16, 2014 79 FR 28393 - Integration of National Bank and Savings Association Regulations: Interagency Rules
GPO FDSys XML | Text Additional Documents DEPARTMENT OF THE TREASURY, Office of the Comptroller of the Currency Final rule. This final rule is effective on June 16, 2014. 12 CFR Parts 14, 21, 26, 34, 35, 41, 133, 136, 160, 163, 164, 171, and 196 Summary The Office of the Comptroller of the Currency (OCC) is combining certain rules originally issued jointly with the other Federal banking agencies by the OCC with respect to national banks and by the former Office of Thrift Supervision (OTS) with respect to savings associations. Specifically, the OCC is combining rules relating to consumer protection in insurance sales, Bank Secrecy Act (BSA) compliance, management interlocks, appraisals, disclosure and reporting of Community Reinvestment Act (CRA)-related agreements, and the Fair Credit Reporting Act (FCRA). This rulemaking also makes technical amendments to the OCC's FCRA rule to conform to provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act or Act). This rulemaking will not result in any substantive changes in the combined rules. It will, however, streamline OCC rules, reduce duplication, and create efficiencies by establishing a single set of these rules for all entities supervised by the OCC.
2014-04-09; vol. 79 # 68 - Wednesday, April 9, 2014 79 FR 19521 - Minimum Requirements for Appraisal Management Companies
GPO FDSys XML | Text Additional Documents FEDERAL DEPOSIT INSURANCE CORPORATION, FEDERAL HOUSING FINANCE AGENCY, BUREAU OF CONSUMER FINANCIAL PROTECTION, DEPARTMENT OF THE TREASURY, FEDERAL RESERVE SYSTEM, Office of the Comptroller of the Currency Joint notice of proposed rulemaking. Comments must be received on or before June 9, 2014. 12 CFR Part 34 Summary The OCC, Board, FDIC, NCUA, Bureau, and FHFA (collectively, the Agencies) are jointly proposing a rule to implement the minimum requirements in the Dodd-Frank Wall Street Reform and Consumer Protection Act (the Dodd-Frank Act or Act) to be applied by States in the registration and supervision of appraisal management companies (AMCs). The proposed rule also implements the requirement in the Dodd-Frank Act for States to report to the Appraisal Subcommittee of the Federal Financial Institutions Examination Council (FFIEC) the information required by the Appraisal Subcommittee (ASC) to administer the new national registry of appraisal management companies (AMC National Registry or Registry). In conjunction with this implementation, the FDIC is proposing to integrate its appraisal regulations for State nonmember banks and State savings associations.
2014-03-21; vol. 79 # 55 - Friday, March 21, 2014 79 FR 15639 - Technical Amendments: Removal of Rules Transferred to the Consumer Financial Protection Bureau; OCC Address Change
GPO FDSys XML | Text Additional Documents DEPARTMENT OF THE TREASURY, Office of the Comptroller of the Currency Final rule. Effective March 21, 2014. 12 CFR Parts 4, 5, 7, 10, 11, 16, 19, 24, 34, and 40 Summary The Office of the Comptroller of the Currency (OCC) is removing regulations concerning registration of mortgage loan originators, and regulations relating to privacy of consumer financial information. Rulemaking authority for these rules transferred to the Consumer Financial Protection Bureau on July 21, 2011 pursuant to Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, and these OCC rules are therefore no longer operative. The OCC also is amending its regulations to update its address to reflect its move to a new headquarters building, to update the address of its Freedom of Information Act web portal, and to update its Web site address.
2014-02-28; vol. 79 # 40 - Friday, February 28, 2014 79 FR 11300 - Basel III Conforming Amendments Related to Cross-References, Subordinated Debt and Limits Based on Regulatory Capital
GPO FDSys XML | Text Additional Documents DEPARTMENT OF THE TREASURY, Comptroller of the Currency Interim final rule and request for comments. This interim final rule is effective March 31, 2014. Comments must be received by March 31, 2014. 12 CFR Parts 1, 4, 5, 16, 23, 24, 28, 32, 34, 46, 116, 143, 145, 159, 160, 161, 163 and 192 Summary The Office of the Comptroller of the Currency (OCC) is making technical and conforming amendments to its regulations governing national banks and Federal savings associations to make those regulations consistent with the recently adopted Basel III Capital Framework. As part of these technical amendments, the OCC is revising and clarifying its regulations governing subordinated debt applicable to national banks and Federal savings associations.
