What 12 CFR Part 208 (Regulation H) - Membership and Requirements of State Member Banks requires
Regulation H (12 CFR Part 208) governs the membership of State-chartered banks in the Federal Reserve System and the prudential, securities, real-estate-lending and security requirements that apply to State member banks, administered by the Federal Reserve Board. A State bank must satisfy the application and conditions for membership and, once a member, must maintain capital adequacy and observe the limits on dividends and other distributions. Establishment and maintenance of branches must comply with the regulation, and an interstate branch may not be used primarily for deposit production. For loans secured by buildings located in areas having special flood hazards, the bank must require flood insurance as provided. Under the prompt corrective action framework implementing section 38 of the Federal Deposit Insurance Act, the bank's capital category determines mandatory and discretionary supervisory actions, and an undercapitalized bank must file a capital restoration plan. State member banks must adopt real estate lending standards, maintain bank security procedures to discourage robberies, burglaries and larcenies and to assist in their identification and apprehension, and file suspicious activity reports. The regulation also imposes recordkeeping and confirmation requirements on securities transactions and transfer-agent and reporting obligations for banks subject to the Securities Exchange Act of 1934.
Pillar: Banking & Global Finance · Authority: Board of Governors of the Federal Reserve System · Version: 1.0.0 · Last updated:
Primary source: https://www.ecfr.gov/current/title-12/chapter-II/part-208
SHA-256 integrity: 743927fde7e93ba55db05ac15ee78cbf4ea705fb81e8c21720d51273a1fd442d
Primary Citations — 8 traced to source
- 12 CFR Part 208, §208.3 - application and conditions for membership in the Federal Reserve System
- 12 CFR Part 208, §208.4 - capital adequacy
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