FRSFinal Rule
Extensions of Credit by Federal Reserve Banks (Regulation A)
Finance & Banking
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Summary
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.
Key Points
- 1The Federal Reserve establishes the terms and conditions under which it will lend money to banks, including what types of collateral (assets) banks must provide as security
- 2The regulation covers both routine lending during normal economic conditions and emergency lending during financial crises
- 3Banks and financial institutions must meet specific eligibility requirements and follow application procedures to borrow from the Federal Reserve
- 4The rules help prevent banks from taking excessive risks while also ensuring the Fed can respond quickly if the financial system faces problems
- 5These lending policies indirectly affect ordinary people by influencing interest rates, credit availability, and overall economic stability
Key Dates
Published
December 19, 2025
This summary is for informational purposes only. It may not capture all nuances of the regulation. Always refer to the official text for authoritative information.
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