12 CFR § 145.1 - General authority.

---
identifier: "/us/cfr/t12/s145.1"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "12 CFR § 145.1 - General authority."
title_number: 12
title_name: "Banks and Banking"
section_number: "145.1"
section_name: "General authority."
chapter_name: "COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY"
part_number: "145"
part_name: "FEDERAL SAVINGS ASSOCIATIONS—OPERATIONS"
positive_law: false
currency: "2026-04-05"
last_updated: "2026-04-05"
format_version: "1.1.0"
generator: "[email protected]"
authority: "12 U.S.C. 1462a, 1463, 1464, 1828, 5412(b)(2)(B)."
regulatory_source: "76 FR 48999, Aug. 9, 2011, unless otherwise noted."
cfr_part: "145"
---


# 145.1 General authority.

A Federal savings association may exercise all authority granted it by the Home Owners' Loan Act of 1933 (“Act”), 12 U.S.C. 1464, as amended, and its charter and bylaws, whether or not implemented specifically by OCC regulations, subject to the limitations and interpretations contained in this part.