FRS
Federal agency responsible for regulations under FRS.
24 regulationsPolicy Statement on the Federal Reserve Act
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Reserve Requirements of Depository Institutions (Regulation D)
This Federal Reserve regulation sets rules for how much money banks must keep on hand as reserves rather than lending out. These reserve requirements help ensure banks stay stable and can handle withdrawals, which protects customer deposits and the overall banking system.
Extensions of Credit by Federal Reserve Banks (Regulation A)
This Federal Reserve regulation sets the rules for how the Federal Reserve can lend money to banks and other financial institutions during normal times and emergencies. It matters to everyday people because the Fed's lending practices affect how easily banks can lend money for mortgages, business loans, and other credit that fuels the economy.
Appraisals for Higher-Priced Mortgage Loans Exemption Threshold
This regulation changes the rules about when banks must get a professional appraisal (property evaluation) before approving a mortgage loan. By raising the price threshold, fewer home loans will require formal appraisals, which could speed up the lending process and potentially lower costs for borrowers.
Consumer Leasing (Regulation M)
Regulation M sets rules that protect consumers who lease cars, appliances, and other personal property by requiring companies to clearly disclose all costs and terms upfront. This regulation helps people understand exactly what they're paying for and their rights during a lease before they sign any agreement.
Truth in Lending (Regulation Z)
Truth in Lending (Regulation Z) requires banks and lenders to clearly disclose all costs and terms of loans and credit products so borrowers can understand what they're paying and compare offers fairly. This rule protects consumers from hidden fees and confusing lending practices that could cost them thousands of dollars.
Regulatory Capital: Modifications to the Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Their Subsidiary Depository Institutions; Total Loss-Absorbing Capacity and Long-Term Debt Requirements for U.S. Global Systemically Important Bank Holding Companies
The Federal Reserve is updating the financial safety rules for America's biggest banks, requiring them to hold more money in reserve and maintain better access to funds during emergencies. These changes aim to make sure that if a major bank fails, it won't cause a ripple effect that crashes the entire financial system.
Regulatory Capital: Revisions to the Community Bank Leverage Ratio Framework
The Federal Reserve is proposing to change the rules for how much money community banks must keep on hand to stay financially stable. These changes could make it easier for smaller banks to operate while ensuring they remain safe, which affects lending to local businesses and communities.
Enhanced Transparency and Public Accountability of the Supervisory Stress Test Models and Scenarios; Capital Planning and Stress Capital Buffer Requirement; Enhanced Prudential Standards; etc.
The Federal Reserve is proposing to make stress tests—which are tests that check if banks can survive financial crises—more transparent by sharing details about how they work with the public. This helps people understand how the government ensures banks stay healthy and safe with customer deposits.
Reserve Requirements of Depository Institutions (Regulation D)
This Federal Reserve regulation sets the minimum amount of money that banks must keep on hand rather than lend out to customers. These reserve requirements help ensure banks stay stable and can handle unexpected withdrawals, protecting people's deposits and the broader financial system.
Federal Reserve Bank Capital Stock
This Federal Reserve regulation establishes rules for how much capital stock banks must hold and how it's managed. Capital stock is essentially the money that banks keep on hand to protect against losses, which helps ensure banks stay stable and can continue lending to businesses and consumers even during tough economic times.
Enhanced Transparency and Public Accountability of the Supervisory Stress Test Models and Scenarios: Modifications to the Capital Planning and Stress Capital Buffer Requirement Rule, Enhanced Prudential Standards Rule, and Regulation LL
The Federal Reserve is proposing to make banks more transparent about how they test their financial strength during economic crises. Banks must now publicly disclose more details about the stress tests they run and the scenarios they use, so regulators and the public can better understand whether banks are prepared for financial emergencies.