Title 12, Part 225 — Bank Holding Companies and Change in Bank Control (Regulation Y)

Authority, purpose, and scope.

Definitions.

Administration.

Corporate practices.

Registration, reports, and inspections.

Penalties for violations.

Exceptions to tying restrictions.

Capital planning and stress capital buffer requirement.

Control over securities.

Temporary relief for 2020 and 2021.

Transactions requiring Board approval.

Transactions not requiring Board approval.

Factors considered in acting on bank acquisition proposals.

Expedited action for certain bank acquisitions by well-run bank holding companies.

Procedures for other bank acquisition proposals.

Public notice, comments, hearings, and other provisions governing applications and notices.

Notice procedure for one-bank holding company formations.

Prohibited nonbanking activities and acquisitions; exempt bank holding companies.

Exempt nonbanking activities and acquisitions.

Expedited action for certain nonbanking proposals by well-run bank holding companies.

Procedures for other nonbanking proposals.

Hearings, alteration of activities, and other matters.

Factors considered in acting on nonbanking proposals.

Procedures for determining scope of nonbanking activities.

List of permissible nonbanking activities.

Control proceedings.

Rebuttable presumptions of control of a company.

Rebuttable presumption of noncontrol of a company.

Total equity.

Transactions requiring prior notice.

Transactions not requiring prior notice.

Procedures for filing, processing, publishing, and acting on notices.

Reporting of stock loans.

Limitation on overdrafts.

Authority, purpose, and scope.

Definitions.

Appraisals required; transactions requiring a State certified or licensed appraiser.

Minimum appraisal standards.

Appraiser independence.

Professional association membership; competency.

Enforcement.

Definitions.

Director and officer appointments; prior notice requirement.

Procedures for filing, processing, and acting on notices; standards for disapproval; waiver of notice.

What is a financial holding company?

How does a bank holding company elect to become a financial holding company?

What are the consequences of failing to continue to meet applicable capital and management requirements?

What are the consequences of failing to maintain a satisfactory or better rating under the Community Reinvestment Act at all insured depository institution subsidiaries?

Is notice to or approval from the Board required prior to engaging in a financial activity?

What activities are permissible for any financial holding company?

Is notice to the Board required after engaging in a financial activity?

How to request the Board to determine that an activity is financial in nature or incidental to a financial activity?

How to request approval to engage in an activity that is complementary to a financial activity?

What are the requirements for a foreign bank to be treated as a financial holding company?

How may a foreign bank elect to be treated as a financial holding company?

How does an election by a foreign bank become effective?

What are the consequences of a foreign bank failing to continue to meet applicable capital and management requirements?

What are the consequences of an insured branch or depository institution failing to maintain a satisfactory or better rating under the Community Reinvestment Act?

Bank holding company's subsidiary banks owning shares of nonbanking companies.

Bank holding company indirectly owning nonbanking company through subsidiaries.

Bank holding company acquiring stock by dividends, stock splits or exercise of rights.

“Services” under section 4(c)(1) of Bank Holding Company Act.

Acquisition of stock in small business investment company.

“Services” under section 4(c)(1) of Bank Holding Company Act.

Limit on investment by bank holding company system in stock of small business investment companies.

Indirect control of small business concern through convertible debentures held by small business investment company.

Services under section 4(a) of Bank Holding Company Act.

Applicability of Bank Service Corporation Act in certain bank holding company situations.

Computer services for customers of subsidiary banks.

Acquisition of Edge corporation affiliate by State member banks of registered bank holding company.

Bank holding company ownership of mortgage companies.

Activities closely related to banking.

Foreign bank holding companies.

Investment adviser activities.

Activities not closely related to banking.

Investment in corporations or projects designed primarily to promote community welfare.

Activities closely related to banking.

Issuance and sale of short-term debt obligations by bank holding companies.

Activities closely related to banking.

Acquisition of assets.

Computation of amount invested in foreign corporations under general consent procedures.

Escrow arrangements involving bank stock resulting in a violation of the Bank Holding Company Act.

Utilization of foreign subsidiaries to sell long-term debt obligations in foreign markets and to transfer the proceeds to their United States parent(s) for domestic purposes.

Acquisitions of shares pursuant to section 4(c)(6) of the Bank Holding Company Act.

Statement of policy concerning divestitures by bank holding companies.

Presumption of continued control under section 2(g)(3) of the Bank Holding Company Act.

Disposition of property acquired in satisfaction of debts previously contracted.

Operations subsidiaries of a bank holding company.

Statement of policy concerning bank holding companies engaging in futures, forward and options contracts on U.S. Government and agency securities and money market instruments.

Policy statement on nonvoting equity investments by bank holding companies.

Limitations established by the Competitive Equality Banking Act of 1987 on the activities and growth of nonbank banks.

What type of investments are permitted by this subpart, and under what conditions may they be made?

What are the limitations on managing or operating a portfolio company held as a merchant banking investment?

What are the holding periods permitted for merchant banking investments?

How are investments in private equity funds treated under this subpart?

What aggregate thresholds apply to merchant banking investments?

What risk management, record keeping and reporting policies are required to make merchant banking investments?

How do the statutory cross marketing and sections 23A and B limitations apply to merchant banking investments?

Definitions.

Definitions.

Conformance Period for Banking Entities Engaged in Prohibited Proprietary Trading or Private Fund Activities.

Conformance Period for Nonbank Financial Companies Supervised by the Board Engaged in Proprietary Trading or Private Fund Activities.

Conditions to Board's section 20 orders.

Authority, purpose, and scope.

Definitions.

Appraiser panel—annual size calculation.

Appraisal management company registration.

Ownership limitations for State-registered appraisal management companies.

Requirements for Federally regulated appraisal management companies.

Information to be presented to the Appraisal Subcommittee by participating States.

Authority, purpose, and scope.

Definitions.

Notification.

Bank service provider notification.

Authority, purpose and scope.

Definitions.

Quality control standards.