Federal Register, including rules, regulations, and notices required by law and carrying out the Board's responsibilities under the Privacy Act., (8) The Office of Human Resources. The Office of Human Resources provides a comprehensive program for the management of NCUA's human resources. This is done in support of NCUA's goal to recruit, develop, and retain a quality and representative workforce. The Director is responsible for managing NCUA's compensation program, for facilitating good organization design, for staffing positions through recruitment and merit promotion programs, and for maintaining an automated personnel records system. The Director is also responsible for the Board's performance management, incentive awards, employee assistance, and benefit programs. These programs are geared to foster healthy employee/management relations and to provide employees with good working conditions. The Director is also responsible for providing a comprehensive program for the training and development of NCUA's staff, including developing policy consistent with the Government Employees Training Act; providing training opportunities equitably so that all employees have the skills necessary to help meet the agency's mission; evaluating the agency's training and development efforts; and ensuring that the agencies training monies are spent in a cost efficient manner and in accordance with the law., (9) Office of the Chief Information Officer. The Chief Information Officer has responsibility for the management and administration of NCUA's information resources. This includes the development, maintenance, operation, and support of information systems which directly support the Agency's mission, maintaining and operating the Agency's information processing infrastructure, responding to requests for releasable Agency information, and insuring all related material security and integrity risks are recognized and controlled as much as possible. The Chief Information Officer is also responsible for carrying out the Board's responsibilities under the Paperwork Reduction Act and in directing NCUA responses to reporting requirements. , (10) Office of the Inspector General. The Inspector General reports directly to the Board and provides semi-annual reports regarding audit and investigation activities to the Board and the Congress. The Inspector General is responsible for: (a) Conducting independent audits and investigations of all NCUA programs and functions to promote efficiency; (b) reviewing policies and procedures to evaluate controls to prevent fraud, waste, and abuse; and (c) reviewing existing and proposed legislation and regulations to evaluate their impact on the economic and efficient administration of the Agency., (11) Office of External Affairs and Communications. The Director of the Office of External Affairs and Communications is responsible for maintaining NCUA's relationship with the public and the media; for liaison with the U.S. Congress, and with other Executive Branch agencies concerning legislative matters; and for the analysis and development of legislative proposals and public affairs programs., (12) Credit Union Resources and Expansion. This Office is responsible for coordinating NCUA policy and actions related to credit union chartering and field of membership, low income designation, and preserving credit unions run by minorities and/or serving minorities. The Office administers the Community Development Revolving Loan Program for Credit Unions (Program). This Program is funded from congressional appropriations and serves as a source of financial support, in the form of technical assistance grants and loans to low-income credit unions serving predominantly low-income members. The Program is governed by part 705 of subchapter A of this chapter., (13) Office of Minority and Women Inclusion. The Office of Minority and Women Inclusion (OMWI) was established pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. The Director of OMWI reports to the NCUA Chairman. OMWI has the responsibility for all NCUA matters relating to diversity in management, employment, and business activities. Specific duties of the Office include developing and implementing standards for: Equal employment opportunity and the racial, ethnic, and gender diversity of the workforce and senior management of the NCUA; increased participation of minority-owned and women-owned businesses in the programs and contracts of the NCUA, including standards for coordinating technical assistance to such businesses; and assessing the diversity policies and practices of credit unions regulated by the NCUA. The Director of OMWI also serves as NCUA's Director of Equal Employment Opportunity., (14) NCUA Central Liquidity Facility (CLF). The CLF was created to improve general financial stability by providing funds to meet the liquidity needs of credit unions. It is a mixed-ownership government corporation under the Government Corporation Control Act (31 U.S.C. 9101 et seq.). The CLF is managed by the President, under the general supervision of the NCUA Board which serves as the CLF Board of Directors. The Chairman of the NCUA Board serves as the Chairman of the CLF Board of Directors. The Secretary of the NCUA Board serves as the Secretary of the CLF Board of Directors. The NCUA Board shall appoint the CLF President and Vice President. , (15) Office of Consumer Financial Protection. (i) The Office of Consumer Financial Protection contains two divisions:, (A) The Division of Consumer Compliance Policy and Outreach; and, (B) The Division of Consumer Affairs;, (ii) The Office provides consumer financial services, including consumer education and complaint resolution; establishes, consolidates, and coordinates consumer financial protections within the agency; oversees the agency's fair lending examination program; and acts as the central liaison on consumer financial protection with other federal agencies., (16) The Office of Chief Economist. The Office of Chief Economist is within the Office of the Executive Director and reports to the Deputy Executive Director. The office analyzes developments in key components of the economy and monitors trends and conditions in the domestic and international markets for money, credit, foreign exchange and commodities, and relates these trends to overall macroeconomic conditions and government monetary and fiscal policies for the purpose of evaluating effects on credit unions. The office provides advice and guidance to the NCUA Board, the Office of the Executive Director, and the Office of Capital Markets., (17) The Office of Continuity and Security Management. The Director of the Office of Continuity and Security Management is responsible for NCUA's emergency preparedness and for coordinating the response to natural disasters or national security events; for timely dissemination of information on cyber threats, terrorism, foreign criminal activity, and other national security threats to the agency or to the credit union sector; and for conducting risk assessments and managing executive branch programs to protect NCUA personnel and facilities, and to safeguard classified national security information., (18) The Office of Business Innovation. The Office of Business Innovation (OBI) serves as a central platform and facilitator for critical agency stakeholders to shape achievable solutions and capabilities to manage evolving business demands. This office manages the agency's Information Technology modernization and business process optimization efforts, from the internal and external business stakeholder perspective, of mission related systems that enable the NCUA's core mission of regulating and supervising credit unions. Additionally, OBI provides enterprise information security support in partnership with the Office of the Chief Information Officer (OCIO) and serves as a center point for enterprise data strategy and governance., (c) Field Offices. NCUA's programs are conducted through Regional Offices and the Office of National Examinations and Supervision., (1) Regional Offices. (i) The NCUA has three Regional Offices:, (ii) A Regional Director is in charge of each Regional Office. The Regional Director manages NCUA's programs in the Region assigned in accordance with established policies. A Regional Director's duties include: Directing examination and supervision programs to promote and assure safety and soundness; assisting other offices in chartering and insurance issues; managing regional resources to meet program objectives in the most economical and practical manner; and maintaining good public relations with public, private, and governmental organizations, federal credit union officials, credit union organizations, and other groups which have an interest in credit union matters in the assigned region. The Regional Director maintains liaison and cooperation with other regional offices of federal departments and agencies, state agencies, city and county officials, and other governmental units that affect credit unions. The Regional Director is aided by Associate Regional Directors. Each region is divided into examiner districts, each assigned to a Supervisory Credit Union Examiner; groups of examiners are directed by a Supervisory Credit Union Examiner, each of whom in turn reports directly to one of the Associate Regional Directors., (2) Office of National Examinations and Supervision. Similar to a Regional Director, the Director of the Office of National Examinations and Supervision manages NCUA's supervisory program over credit unions; however, it oversees the activities for corporate credit unions and of natural person credit unions defined as covered credit unions under part 702 of this chapter, in accordance with established policies. The Director's duties include directing insurance, examination, and supervision programs to promote and assure safety and soundness; managing office resources to meet program objectives in the most economical and practical manner; and maintaining good public relations with public, private and governmental organizations, credit union officials, credit union organizations, and other groups which have an interest in credit union matters in the assigned office. The Director maintains liaison and cooperation with other regional offices of federal departments and agencies, state agencies, and other governmental units that affect credit unions. The Director is aided by a Deputy Director. Staff working in the office report to the Director of Supervision, who in turn reports to the Deputy Director. Field staff is divided into examiner districts, each assigned to a National Field Supervisor, each of whom in turn reports directly to the Deputy Director.", "meta": {"chapter": ["VII"], "chapter_title": ["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"], "part": ["790"], "part_title": ["PART 790 - DESCRIPTION OF NCUA; REQUESTS FOR AGENCY ACTION"], "section": ["790.2"], "section_title": ["\u00a7 790.2 Central and field office organization."]}}
+{"text": "(a) Conflicts. No official, employee, or their immediate family member may receive any compensation or benefit, directly or indirectly, in connection with your engagement in an activity authorized under this part, except as otherwise provided in paragraph (b) of this section. This section does not apply if a conflicts of interest provision within another section of this chapter applies to a particular activity; in such case, the more specific conflicts of interest provision controls. For example: An official or employee that refers loan-related products offered by a third-party to a member, in connection with a loan made by you, is subject to the conflicts of interest provision in \u00a7 701.21(c)(8) of this chapter., (b) Permissible payments. This section does not prohibit:, (1) Payment, by you, of salary to your employees;, (2) Payment, by you, of an incentive or bonus to an employee based on your overall financial performance;, (3) Payment, by you, of an incentive or bonus to an employee, other than a senior management employee or paid official, in connection with an activity authorized by this part, provided that your board of directors establishes written policies and internal controls for the incentive program and monitors compliance with such policies and controls at least annually; and, (4) Payment, by a person other than you, of any compensation or benefit to an employee, other than a senior management employee or paid official, in connection with an activity authorized by this part, provided that your board of directors establishes written policies and internal controls regarding third-party compensation and determines that the employee's involvement does not present a conflict of interest., (c) Business associates and family members. All transactions with business associates or family members not specifically prohibited by paragraph (a) of this section must be conducted at arm's length and in the interest of the credit union., (d) Definitions. For purposes of this part, the following definitions apply., (1) Senior management employee means your chief executive officer (typically, this individual holds the title of President or Treasurer/Manager), any assistant chief executive officers (e.g. Assistant President, Vice President, or Assistant Treasurer/Manager), and the chief financial officer (Comptroller)., (2) Official means any member of your board of directors, credit committee or supervisory committee., (3) Immediate family member means a spouse or other family member living in the same household. ", "meta": {"chapter": ["VII"], "chapter_title": ["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"], "part": ["721"], "part_title": ["PART 721 - INCIDENTAL POWERS"], "section": ["721.7"], "section_title": ["\u00a7 721.7 What are the potential conflicts of interest for officials and employees when credit unions engage in activities approved under this part?"]}}
+{"text": "(a) A bank is exempt from the definition of the term \u201cbroker\u201d under section 3(a)(4) of the Act (15 U.S.C. 78c(a)(4)), to the extent that, as agent, the bank:, (1) Effects a sale in compliance with the requirements of 17 CFR 230.903 of an eligible security to a purchaser who is not in the United States;, (2) Effects, by or on behalf of a person who is not a U.S. person under 17 CFR 230.902(k), a resale of an eligible security after its initial sale with a reasonable belief that the eligible security was initially sold outside of the United States within the meaning of and in compliance with the requirements of 17 CFR 230.903 to a purchaser who is not in the United States or a registered broker or dealer, provided that if the resale is made prior to the expiration of any applicable distribution compliance period specified in 17 CFR 230.903(b)(2) or (b)(3), the resale is made in compliance with the requirements of 17 CFR 230.904; or, (3) Effects, by or on behalf of a registered broker or dealer, a resale of an eligible security after its initial sale with a reasonable belief that the eligible security was initially sold outside of the United States within the meaning of and in compliance with the requirements of 17 CFR 230.903 to a purchaser who is not in the United States, provided that if the resale is made prior to the expiration of any applicable distribution compliance period specified in 17 CFR 230.903(b)(2) or (b)(3), the resale is made in compliance with the requirements of 17 CFR 230.904., (b) Definitions. For purposes of this section:, (1) Distributor has the same meaning as in 17 CFR 230.902(d)., (2) Eligible security means a security that:, (i) Is not being sold from the inventory of the bank or an affiliate of the bank; and, (ii) Is not being underwritten by the bank or an affiliate of the bank on a firm-commitment basis, unless the bank acquired the security from an unaffiliated distributor that did not purchase the security from the bank or an affiliate of the bank., (3) Purchaser means a person who purchases an eligible security and who is not a U.S. person under 17 CFR 230.902(k).", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"], "part": ["218"], "part_title": ["PART 218 - EXCEPTIONS FOR BANKS FROM THE DEFINITION OF BROKER IN THE SECURITIES EXCHANGE ACT OF 1934 (REGULATION R)"], "section": ["218.771"], "section_title": ["\u00a7 218.771 Exemption from the definition of \u201cbroker\u201d for banks effecting transactions in securities issued pursuant to Regulation S."]}}
+{"text": "The Deputy Director for Federal Home Loan Bank Regulation may approve requests from a Bank seeking approval of any NBA notice submitted in accordance with this part. The Director reserves the right to modify, rescind, or supersede any such approval granted by the Deputy Director, with such action being effective only on a prospective basis.", "meta": {"chapter": ["XII"], "chapter_title": ["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["D"], "subchapter_title": ["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"], "part": ["1272"], "part_title": ["PART 1272 - NEW BUSINESS ACTIVITIES"], "section": ["1272.7"], "section_title": ["\u00a7 1272.7 Approval of notices."]}}
+{"text": "(a) Short- and intermediate-term loans. Production credit associations are authorized to make or guarantee short- and intermediate-term loans and provide other financial assistance for a term of:, (1) Not more than 7 years;, (2) More than 7 years, but not more than 10 years, as set forth in policies approved by the funding bank; or, (3) Not more than 15 years to producers and harvesters of aquatic products for major capital expenditures, including but not limited to the purchase of vessels, construction or purchase of shore facilities, and similar purposes directly related to the operations of producers or harvesters of aquatic products., (b) Loan participations. Subject to the requirements of subpart H of this part, a production credit association may enter into participation agreements with:, (1) Farm Credit banks and associations that are direct lenders and lenders that are not Farm Credit institutions on loans of the type it is authorized to make under title II of the Act;, (2) Farm Credit banks and associations that are direct lenders on loans it is not authorized to make, provided the borrower eligibility, membership, term, amount, loan security, and stock or participation certificate requirements of the originating institution are met; and, (3) The Federal Agricultural Mortgage Corporation to the extent provided in \u00a7 614.4055., (c) Other interests in loans. (1) Subject to the requirements of subpart H of this part and the supervision of their respective funding banks, production credit associations may sell interests in loans that are made under paragraph (a) of this section to:, (i) Banks of the Farm Credit System, as authorized by their respective funding banks; and, (ii) Any certified agricultural mortgage marketing facility, as defined by section 8.0(3) of the Act, for the purpose of pooling and securitizing such loans under title VIII of the Act., (2) Subject to the requirements of subpart H of this part, production credit associations, as authorized by their respective funding banks, may purchase interests in loans that comply with the requirements of paragraph (a) of this section and nonvoting stock from banks of the Farm Credit System., (3) Production credit associations, in their capacity as certified mortgage marketing facilities under title VIII of the Act, may purchase from Farm Credit System institutions and institutions that are not Farm Credit System institutions interests in loans (other than participation interests authorized by paragraph (c) of this section) for the purpose of pooling and securitizing such loans under title VIII of the Act.", "meta": {"chapter": ["VI"], "chapter_title": ["CHAPTER VI - FARM CREDIT ADMINISTRATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - FARM CREDIT SYSTEM"], "part": ["614"], "part_title": ["PART 614 - LOAN POLICIES AND OPERATIONS"], "section": ["614.4040"], "section_title": ["\u00a7 614.4040 Production credit associations."]}}
+{"text": "(a) Definitions. For purposes of this section, the following definitions shall apply:, Currently performing means the borrower in the mortgage transaction is not currently thirty (30) days or more past due, in whole or in part, on the mortgage transaction., Qualified residential mortgage means a \u201cqualified mortgage\u201d as defined in section 129C of the Truth in Lending Act (15 U.S.C.1639c) and regulations issued thereunder, as amended from time to time., (b) Exemption. A sponsor shall be exempt from the risk retention requirements in subpart B of this part with respect to any securitization transaction, if:, (1) All of the assets that collateralize the asset-backed securities are qualified residential mortgages or servicing assets;, (2) None of the assets that collateralize the asset-backed securities are asset-backed securities;, (3) As of the cut-off date or similar date for establishing the composition of the securitized assets collateralizing the asset-backed securities issued pursuant to the securitization transaction, each qualified residential mortgage collateralizing the asset-backed securities is currently performing; and, (4)(i) The depositor with respect to the securitization transaction certifies that it has evaluated the effectiveness of its internal supervisory controls with respect to the process for ensuring that all assets that collateralize the asset-backed security are qualified residential mortgages or servicing assets and has concluded that its internal supervisory controls are effective; and, (ii) The evaluation of the effectiveness of the depositor's internal supervisory controls must be performed, for each issuance of an asset-backed security in reliance on this section, as of a date within 60 days of the cut-off date or similar date for establishing the composition of the asset pool collateralizing such asset-backed security; and, (iii) The sponsor provides, or causes to be provided, a copy of the certification described in paragraph (b)(4)(i) of this section to potential investors a reasonable period of time prior to the sale of asset-backed securities in the issuing entity, and, upon request, to the Commission and its appropriate Federal banking agency, if any., (c) Repurchase of loans subsequently determined to be non-qualified after closing. A sponsor that has relied on the exemption provided in paragraph (b) of this section with respect to a securitization transaction shall not lose such exemption with respect to such transaction if, after closing of the securitization transaction, it is determined that one or more of the residential mortgage loans collateralizing the asset-backed securities does not meet all of the criteria to be a qualified residential mortgage provided that:, (1) The depositor complied with the certification requirement set forth in paragraph (b)(4) of this section;, (2) The sponsor repurchases the loan(s) from the issuing entity at a price at least equal to the remaining aggregate unpaid principal balance and accrued interest on the loan(s) no later than 90 days after the determination that the loans do not satisfy the requirements to be a qualified residential mortgage; and, (3) The sponsor promptly notifies, or causes to be notified, the holders of the asset-backed securities issued in the securitization transaction of any loan(s) included in such securitization transaction that is (or are) required to be repurchased by the sponsor pursuant to paragraph (c)(2) of this section, including the amount of such repurchased loan(s) and the cause for such repurchase.", "meta": {"chapter": ["II", "III", "XII"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)", "CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)", "CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["A", "B", "B"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)", "SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)", "SUBCHAPTER B - ENTITY REGULATIONS"], "part": ["244", "373", "1234"], "part_title": ["PART 244 - CREDIT RISK RETENTION (REGULATION RR)", "PART 373 - CREDIT RISK RETENTION", "PART 1234 - CREDIT RISK RETENTION"], "section": ["244.13", "373.13", "1234.13"], "section_title": ["\u00a7 244.13 Exemption for qualified residential mortgages.", "\u00a7 373.13 Exemption for qualified residential mortgages.", "\u00a7 1234.13 Exemption for qualified residential mortgages."]}}
+{"text": "(a) Service. A subpoena may be served upon the person named therein by personal service or certified mail with a return receipt to the last known address of the person. Witnesses who are subpoenaed shall be paid the same fees and mileage that are paid witnesses in the district courts of the United States. The fees and mileage need not be tendered at the time a subpoena is served., (b) Motions to quash. Any person to whom a subpoena is directed may, prior to the time specified therein for compliance, but in no event more than 5 days after the date of service of such subpoena, apply to the FCA representative authorized in the order, or if unavailable to the Board, to quash or modify such subpoena, accompanying such application with a brief statement of the reasons therefor. The FCA representative, or the Board, may:, (1) Deny the application;, (2) Quash or revoke the subpoena;, (3) Modify the subpoena; or, (4) Condition the granting of the application on such terms as the FCA representative or the Board, determines in his, her, or its discretion, to be just, reasonable, and proper. ", "meta": {"chapter": ["VI"], "chapter_title": ["CHAPTER VI - FARM CREDIT ADMINISTRATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - FARM CREDIT SYSTEM"], "part": ["622"], "part_title": ["PART 622 - RULES OF PRACTICE AND PROCEDURE"], "section": ["622.106"], "section_title": ["\u00a7 622.106 Service of subpoena and payment of witness fees."]}}
+{"text": "(a) General. A Bank may certify as a housing associate any applicant that meets the following requirements, as determined using the criteria set forth in \u00a7 1264.4: , (1) The applicant is approved under title II of the National Housing Act (12 U.S.C. 1707, et seq.); , (2) The applicant is a chartered institution having succession; , (3) The applicant is subject to the inspection and supervision of some governmental agency; , (4) The principal activity of the applicant in the mortgage field consists of lending its own funds; and , (5) The financial condition of the applicant is such that advances may be safely made to it. , (b) State housing finance agencies. In addition to meeting the requirements in paragraph (a) of this section, any applicant seeking access to advances as a SHFA pursuant to \u00a7 1266.17(b)(2) of this chapter shall provide evidence satisfactory to the Bank, such as a copy of, or a citation to, the statutes and/or regulations describing the applicant's structure and responsibilities, that the applicant is a state housing finance agency as defined in \u00a7 1264.1. ", "meta": {"chapter": ["XII"], "chapter_title": ["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["D"], "subchapter_title": ["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"], "part": ["1264"], "part_title": ["PART 1264 - FEDERAL HOME LOAN BANK HOUSING ASSOCIATES"], "section": ["1264.3"], "section_title": ["\u00a7 1264.3 Housing associate eligibility requirements."]}}
+{"text": "(a) Effective date of determination of capital category. An FDIC-supervised institution shall be deemed to be within a given capital category for purposes of section 38 of the FDI Act and this subpart H as of the date the FDIC-supervised institution is notified of, or is deemed to have notice of, its capital category, pursuant to paragraph (b) of this section., (b) Notice of capital category. An FDIC-supervised institution shall be deemed to have been notified of its capital levels and its capital category as of the most recent date:, (1) A Call Report is required to be filed with the FDIC;, (2) A final report of examination is delivered to the FDIC-supervised institution; or, (3) Written notice is provided by the FDIC to the FDIC-supervised institution of its capital category for purposes of section 38 of the FDI Act and this subpart or that the FDIC-supervised institution's capital category has changed as provided in \u00a7 324.403(d)., (c) Adjustments to reported capital levels and capital category - (1) Notice of adjustment by bank or state savings association. An FDIC-supervised institution shall provide the appropriate FDIC regional director with written notice that an adjustment to the FDIC-supervised institution's capital category may have occurred no later than 15 calendar days following the date that any material event has occurred that would cause the FDIC-supervised institution to be placed in a lower capital category from the category assigned to the FDIC-supervised institution for purposes of section 38 of the FDI Act and this subpart H on the basis of the FDIC-supervised institution's most recent Call Report or report of examination., (2) Determination by the FDIC to change capital category. After receiving notice pursuant to paragraph (c)(1) of this section, the FDIC shall determine whether to change the capital category of the FDIC-supervised institution and shall notify the bank or state savings association of the FDIC's determination.", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"], "part": ["324"], "part_title": ["PART 324 - CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS"], "section": ["324.402"], "section_title": ["\u00a7 324.402 Notice of capital category."]}}
+{"text": "The Corporation as receiver shall distribute the value realized from the liquidation, transfer, sale or other disposition of the direct or indirect subsidiaries of an insurance company, that are not themselves insurance companies, solely in accordance with the order of priorities set forth in 12 U.S.C. 5390(b)(1) and the regulations promulgated thereunder.", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"], "part": ["380"], "part_title": ["PART 380 - ORDERLY LIQUIDATION AUTHORITY"], "section": ["380.5"], "section_title": ["\u00a7 380.5 Treatment of covered financial companies that are subsidiaries of insurance companies."]}}
+{"text": "(a) Conflict of interest in representation. No person shall appear as counsel for another person in an adjudicatory proceeding if it reasonably appears that such representation may be materially limited by that counsel's responsibilities to a third person or by the counsel's own interests. The administrative law judge may take corrective measures at any stage of a proceeding to cure a conflict of interest in representation, including the issuance of an order limiting the scope of representation or disqualifying an individual from appearing in a representative capacity for the duration of the proceeding. , (b) Certification and waiver. If any person appearing as counsel represents two or more parties to an adjudicatory proceeding or also represents a non-party on a matter relevant to an issue in the proceeding, counsel must certify in writing at the time of filing the notice of appearance required by \u00a7 308.6(a):, (1) That the counsel has personally and fully discussed the possibility of conflicts of interest with each such party and non-party; and, (2) That each such party and non-party waives any right it might otherwise have had to assert any known conflicts of interest or to assert any non-material conflicts of interest during the course of the proceeding.", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"], "part": ["308"], "part_title": ["PART 308 - RULES OF PRACTICE AND PROCEDURE"], "section": ["308.8"], "section_title": ["\u00a7 308.8 Conflicts of interest."]}}
+{"text": "(a) In general. A creditor does not obtain medical information in violation of the prohibition if it receives medical information pertaining to a consumer in connection with any determination of the consumer's eligibility, or continued eligibility, for credit without specifically requesting medical information., (b) Use of unsolicited medical information. A creditor that receives unsolicited medical information in the manner described in paragraph (a) of this section may use that information in connection with any determination of the consumer's eligibility, or continued eligibility, for credit to the extent the creditor can rely on at least one of the exceptions in \u00a7 232.3 or \u00a7 232.4., (c) Examples. A creditor does not obtain medical information in violation of the prohibition if, for example:, (1) In response to a general question regarding a consumer's debts or expenses, the creditor receives information that the consumer owes a debt to a hospital., (2) In a conversation with the creditor's loan officer, the consumer informs the creditor that the consumer has a particular medical condition., (3) In connection with a consumer's application for an extension of credit, the creditor requests a consumer report from a consumer reporting agency and receives medical information in the consumer report furnished by the agency even though the creditor did not specifically request medical information from the consumer reporting agency.", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["232"], "part_title": ["PART 232 - OBTAINING AND USING MEDICAL INFORMATION IN CONNECTION WITH CREDIT (REGULATION FF)"], "section": ["232.2"], "section_title": ["\u00a7 232.2 Rule of construction for obtaining and using unsolicited medical information."]}}
+{"text": "No state insured savings association may establish or acquire a subsidiary, or conduct any new activity through a subsidiary, unless it files a notice in compliance with \u00a7 303.142(c) of this chapter at least 30 days prior to establishment of the subsidiary or commencement of the activity and the FDIC does not object to the notice. This section does not apply to any state savings association that acquired its principal assets from a Federal savings bank that was chartered prior to October 15, 1982, as a savings bank under state law.", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"], "part": ["362"], "part_title": ["PART 362 - ACTIVITIES OF INSURED STATE BANKS AND INSURED SAVINGS ASSOCIATIONS"], "section": ["362.15"], "section_title": ["\u00a7 362.15 Acquiring or establishing a subsidiary; conducting new activities through a subsidiary."]}}
+{"text": "In this subpart, unless the context otherwise requires or indicates: , (a) Adverse claim means a claim that a claimant has a property interest in a security and that it is a violation of the rights of the claimant for another person to hold, transfer, or deal with the security. , (b) Book-entry security means a Farm Credit security issued or maintained in the Book-entry System. , (c) Book-entry System means the automated book-entry system operated by the Federal Reserve Banks, acting as the fiscal agent for the Farm Credit banks, through which book-entry securities are issued, recorded, transferred and maintained in book-entry form. , (d) Definitive Farm Credit security means a Farm Credit security in engraved or printed form, or that is otherwise represented by a certificate. , (e) Eligible book-entry security means a book-entry security issued or maintained in the Book-entry System, which by the terms of its securities documentation, is eligible to be converted from book-entry into definitive form. , (f) Entitlement Holder means a person to whose account an interest in a book-entry security is credited on the records of a securities intermediary. , (g) Farm Credit banks means one or more Farm Credit Banks, agricultural credit banks, and banks for cooperatives. , (h) Farm Credit securities means consolidated notes, bonds, debentures, or other similar obligations of the Farm Credit banks and Systemwide notes, bonds, debentures, or similar obligations of the Farm Credit banks issued under sections 4.2(c) and 4.2(d), respectively, of the Act, or laws repealed thereby. , (i) Federal Reserve Bank means a Federal Reserve Bank or Branch acting as agent for the Farm Credit banks and the Funding Corporation. , (j) Federal Reserve Bank Operating Circular means the publication issued by each Federal Reserve Bank that sets forth the terms and conditions under which the Federal Reserve Bank maintains book-entry securities accounts and transfers book-entry securities. , (k) Funding Corporation means the Federal Farm Credit Banks Funding Corporation established pursuant to section 4.9 of the Act, which issues Farm Credit securities on behalf of the Farm Credit banks. , (l) Funds Account means a reserve and/or clearing account at a Federal Reserve Bank to which debits or credits are posted for transfers against payment, book-entry securities transaction fees, or principal and interest payments. , (m) Participant means a person that maintains a participant's securities account with a Federal Reserve Bank. , (n) Participant's Securities Account means an account in the name of a participant at a Federal Reserve Bank to which book-entry securities held for a participant are or may be credited. , (o) Person means an individual, corporation, company, governmental entity, association, firm, partnership, trust, estate, representative and any other similar organization, but does not mean the United States, a Farm Credit bank, the Funding Corporation or a Federal Reserve Bank. , (p) Revised Article 8 means Uniform Commercial Code, Revised Article 8, Investment Securities (with Conforming and Miscellaneous Amendments to Articles 1, 3, 4, 5, 9, and 10) 1994 Official Text, and has the same meaning as in 31 CFR 357.2. , (q) Securities Documentation means the applicable statement of terms, trust indenture, securities agreement, offering circular or other documents establishing the terms of a book-entry security. , (r) Securities Intermediary means: , (1) A person that is registered as a \u201cclearing agency\u201d under the Federal securities laws; a Federal Reserve Bank; any other person that provides clearance or settlement services with respect to a book-entry security that would require it to register as a clearing agency under the Federal securities laws but for an exclusion or exemption from the registration requirement, if its activities as a clearing corporation, including promulgation of rules, are subject to regulation by a Federal or State governmental authority; or , (2) A person (other than an individual, unless such individual is registered as a broker or dealer under the Federal securities laws) including a bank or broker, that in the ordinary course of its business maintains securities accounts for others and is acting in that capacity. , (s) Security means a Farm Credit security as defined in paragraph (h) of this section. , (t) Security Entitlement means the rights and property interest of an entitlement holder with respect to a book-entry security. , (u) State means any State of the United States, the District of Columbia, Puerto Rico, the Virgin Islands, or any other territory or possession of the United States. , (v) Transfer Message means an instruction of a participant to a Federal Reserve Bank to effect a transfer of a book-entry security maintained in the Book-entry System, as set forth in Federal Reserve Bank Operating Circulars. ", "meta": {"chapter": ["VI"], "chapter_title": ["CHAPTER VI - FARM CREDIT ADMINISTRATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - FARM CREDIT SYSTEM"], "part": ["615"], "part_title": ["PART 615 - FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS"], "section": ["615.5450"], "section_title": ["\u00a7 615.5450 Definitions."]}}
+{"text": "(a) Circumstances giving rise to a claim. A consumer may make a claim under this section for a recredit with respect to a substitute check if the consumer asserts in good faith that - , (1) The bank holding the consumer's account charged that account for a substitute check that was provided to the consumer (although the consumer need not be in possession of that substitute check at the time he or she submits a claim);, (2) The substitute check was not properly charged to the consumer account or the consumer has a warranty claim with respect to the substitute check;, (3) The consumer suffered a resulting loss; and, (4) Production of the original check or a sufficient copy is necessary to determine whether or not the substitute check in fact was improperly charged or whether the consumer's warranty claim is valid., (b) Procedures for making claims. A consumer shall make his or her claim for a recredit under this section with the bank that holds the consumer's account in accordance with the timing, content, and form requirements of this section., (1) Timing of claim. (i) The consumer shall submit his or her claim such that the bank receives the claim by the end of the 40th calendar day after the later of the calendar day on which the bank mailed or delivered, by a means agreed to by the consumer - , (A) The periodic account statement that contains information concerning the transaction giving rise to the claim; or, (B) The substitute check giving rise to the claim., (ii) If the consumer cannot submit his or her claim by the time specified in paragraph (b)(1)(i) of this section because of extenuating circumstances, the bank shall extend the 40-calendar-day period by an additional reasonable amount of time., (iii) If a consumer makes a claim orally and the bank requires the claim to be in writing, the consumer's claim is timely if the oral claim was received within the time described in paragraphs (b)(1)(i)-(ii) of this section and the written claim was received within the time described in paragraph (b)(3)(ii) of this section., (2) Content of claim. (i) The consumer's claim shall include the following information:, (A) A description of the consumer's claim, including the reason why the consumer believes his or her account was improperly charged for the substitute check or the nature of his or her warranty claim with respect to such check;, (B) A statement that the consumer suffered a loss and an estimate of the amount of that loss;, (C) The reason why production of the original check or a sufficient copy is necessary to determine whether or not the charge to the consumer's account was proper or the consumer's warranty claim is valid; and, (D) Sufficient information to allow the bank to identify the substitute check and investigate the claim., (ii) If a consumer attempts to make a claim but fails to provide all the information in paragraph (b)(2)(i) of this section that is required to constitute a claim, the bank shall inform the consumer that the claim is not complete and identify the information that is missing., (3) Form and submission of claim; computation of time for bank action. The bank holding the account that is the subject of the consumer's claim may, in its discretion, require the consumer to submit the information required by this section in writing. A bank that requires a written submission - , (i) May permit the consumer to submit the written claim electronically;, (ii) Shall inform a consumer who submits a claim orally of the written claim requirement at the time of the oral claim and may require such consumer to submit the written claim such that the bank receives the written claim by the 10th business day after the banking day on which the bank received the oral claim; and, (iii) Shall compute the time periods for acting on the consumer's claim described in paragraph (c) of this section from the date on which the bank received the written claim., (c) Action on claims. A bank that receives a claim that meets the requirements of paragraph (b) of this section shall act as follows:, (1) Valid consumer claim. If the bank determines that the consumer's claim is valid, the bank shall - , (i) Recredit the consumer's account for the amount of the consumer's loss, up to the amount of the substitute check, plus interest if the account is an interest-bearing account, no later than the end of the business day after the banking day on which the bank makes that determination; and, (ii) Send to the consumer the notice required by paragraph (e)(1) of this section., (2) Invalid consumer claim. If a bank determines that the consumer's claim is not valid, the bank shall send to the consumer the notice described in paragraph (e)(2) of this section., (3) Recredit pending investigation. If the bank has not taken an action described in paragraph (c)(1) or (c)(2) of this section before the end of the 10th business day after the banking day on which the bank received the claim, the bank shall - , (i) By the end of that business day - , (A) Recredit the consumer's account for the amount of the consumer's loss, up to the lesser of the amount of the substitute check or $2,500, plus interest on that amount if the account is an interest-bearing account; and, (B) Send to the consumer the notice required by paragraph (e)(1) of this section; and, (ii) Recredit the consumer's account for the remaining amount of the consumer's loss, if any, up to the amount of the substitute check, plus interest if the account is an interest-bearing account, no later than the end of the 45th calendar day after the banking day on which the bank received the claim and send to the consumer the notice required by paragraph (e)(1) of this section, unless the bank prior to that time has determined that the consumer's claim is or is not valid in accordance with paragraph (c)(1) or (c)(2) of this section., (4) Reversal of recredit. A bank may reverse a recredit that it has made to a consumer account under paragraph (c)(1) or (c)(3) of this section, plus interest that the bank has paid, if any, on that amount, if the bank - , (i) Determines that the consumer's claim was not valid; and, (ii) Notifies the consumer in accordance with paragraph (e)(3) of this section., (d) Availability of recredit - (1) Next-day availability. Except as provided in paragraph (d)(2) of this section, a bank shall make any amount that it recredits to a consumer account under this section available for withdrawal no later than the start of the business day after the banking day on which the bank provides the recredit., (2) Safeguard exceptions. A bank may delay availability to a consumer of a recredit provided under paragraph (c)(3)(i) of this section until the start of the earlier of the business day after the banking day on which the bank determines the consumer's claim is valid or the 45th calendar day after the banking day on which the bank received the oral or written claim, as required by paragraph (b) of this section, if - , (i) The consumer submits the claim during the 30-calendar-day period beginning on the banking day on which the consumer account was established;, (ii) Without regard to the charge that gave rise to the recredit claim - , (A) On six or more business days during the six-month period ending on the calendar day on which the consumer submitted the claim, the balance in the consumer account was negative or would have become negative if checks or other charges to the account had been paid; or, (B) On two or more business days during such six-month period, the balance in the consumer account was negative or would have become negative in the amount of $5,000 or more if checks or other charges to the account had been paid; or, (iii) The bank has reasonable cause to believe that the claim is fraudulent, based on facts that would cause a well-grounded belief in the mind of a reasonable person that the claim is fraudulent. The fact that the check in question or the consumer is of a particular class may not be the basis for invoking this exception., (3) Overdraft fees. A bank that delays availability as permitted in paragraph (d)(2) of this section may not impose an overdraft fee with respect to drafts drawn by the consumer on such recredited funds until the fifth calendar day after the calendar day on which the bank sent the notice required by paragraph (e)(1) of this section., (e) Notices relating to consumer expedited recredit claims - (1) Notice of recredit. A bank that recredits a consumer account under paragraph (c) of this section shall send notice to the consumer of the recredit no later than the business day after the banking day on which the bank recredits the consumer account. This notice shall describe - , (i) The amount of the recredit; and, (ii) The date on which the recredited funds will be available for withdrawal., (2) Notice that the consumer's claim is not valid. If a bank determines that a substitute check for which a consumer made a claim under this section was in fact properly charged to the consumer account or that the consumer's warranty claim for that substitute check was not valid, the bank shall send notice to the consumer no later than the business day after the banking day on which the bank makes that determination. This notice shall - , (i) Include the original check or a sufficient copy, except as provided in \u00a7 229.58;, (ii) Demonstrate to the consumer that the substitute check was properly charged or the consumer's warranty claim is not valid; and, (iii) Include the information or documents (in addition to the original check or sufficient copy), if any, on which the bank relied in making its determination or a statement that the consumer may request copies of such information or documents., (3) Notice of a reversal of recredit. A bank that reverses an amount it previously recredited to a consumer account shall send notice to the consumer no later than the business day after the banking day on which the bank made the reversal. This notice shall include the information listed in paragraph (e)(2) of this section and also describe - , (i) The amount of the reversal, including both the amount of the recredit (including the interest component, if any) and the amount of interest paid on the recredited amount, if any, being reversed; and, (ii) The date on which the bank made the reversal., (f) Other claims not affected. Providing a recredit in accordance with this section shall not absolve the bank from liability for a claim made under any other provision of law, such as a claim for wrongful dishonor of a check under the U.C.C., or from liability for additional damages, such as damages under \u00a7 229.53 or \u00a7 229.56 of this subpart or U.C.C. 4-402. ", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["229"], "part_title": ["PART 229 - AVAILABILITY OF FUNDS AND COLLECTION OF CHECKS (REGULATION CC)"], "section": ["229.54"], "section_title": ["\u00a7 229.54 Expedited recredit for consumers."]}}
+{"text": "A member bank may not engage in a covered transaction with any affiliate if the aggregate amount of the member bank's covered transactions with all affiliates would exceed 20 percent of the capital stock and surplus of the member bank.", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["223"], "part_title": ["PART 223 - TRANSACTIONS BETWEEN MEMBER BANKS AND THEIR AFFILIATES (REGULATION W)"], "section": ["223.12"], "section_title": ["\u00a7 223.12 What is the maximum amount of covered transactions that a member bank may enter into with all affiliates?"]}}
+{"text": "The FDIC may collect any civil penalty assessed pursuant to this subpart by agreement with the respondent, or the FDIC may bring an action against the respondent to recover the penalty amount in the appropriate United States district court. All penalties collected under this section shall be paid over to the Treasury of the United States. ", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"], "part": ["308"], "part_title": ["PART 308 - RULES OF PRACTICE AND PROCEDURE"], "section": ["308.118"], "section_title": ["\u00a7 308.118 Collection of penalties."]}}
+{"text": "(a) Responsibilities of board of directors. The board of directors must adopt written policies for managing the institution's investment activities. The board must also ensure that management complies with these policies and that appropriate internal controls are in place to prevent loss. At least annually, the board, or a designated committee of the board, must review the sufficiency of these investment policies., (b) Investment policies - general requirements. Investment policies must address the purposes and objectives of investments; risk tolerance; delegations of authority; internal controls; due diligence; and reporting requirements. The investment policies must fully address the extent of pre-purchase analysis that management must perform for various classes of investments. The investment policies must also address the means for reporting, and approvals needed for, exceptions to established policies. A Farm Credit bank's investment policy must address portfolio diversification and obligor limits under paragraphs (f) and (g) of this section. Investment policies must be sufficiently detailed, consistent with, and appropriate for the amounts, types, and risk characteristics of its investments., (c) Investment policies - risk tolerance. Investment policies must establish risk limits for eligible investments and for the entire investment portfolio. The investment policies must include concentration limits to ensure prudent diversification of credit, market, and, as applicable, liquidity risks in the investment portfolio. Risk limits must be based on all relevant factors, including the institution's objectives, capital position, earnings, and quality and reliability of risk management systems and must take into consideration the interest rate risk management program required by \u00a7 615.5180 or \u00a7 615.5182, as applicable. Investment policies must identify the types and quantity of investments that the institution will hold to achieve its objectives and control credit risk, market risk, and liquidity risk as applicable. Each association or service corporation that holds significant investments and each Farm Credit bank must establish risk limits in its investment policies, as applicable, for the following types of risk:, (1) Credit risk. Investment policies must establish:, (i) Credit quality standards. Credit quality standards must be established for single or related obligors, sponsors, secured and unsecured exposures, and asset classes or obligations with similar characteristics., (ii) Concentration limits. Concentration limits must be established for single or related obligors, sponsors, geographical areas, industries, unsecured exposures, asset classes or obligations with similar characteristics., (iii) Criteria for selecting brokers and, dealers. Each institution must buy and sell eligible investments with more than one securities firm. The institution must define its criteria for selecting brokers and dealers used in buying and selling investments., (iv) Collateral margin requirements on repurchase agreements. To the extent the institution engages in repurchase agreements, it must regularly mark the collateral to fair market value and ensure appropriate controls are maintained over collateral held., (2) Market risk. Investment policies must set market risk limits for specific types of investments and for the investment portfolio., (3) Liquidity risk - (i) Liquidity at Farm Credit banks. Investment policies must describe the liquidity characteristics of eligible investments that the bank will hold to meet its liquidity needs and other institutional objectives., (ii) Liquidity at associations. Investment policies must describe the liquid characteristics of eligible investments that the association will hold., (4) Operational risk. Investment policies must address operational risks, including delegations of authority and internal controls under paragraphs (d) and (e) of this section., (d) Delegation of authority. All delegations of authority to specified personnel or committees must state the extent of management's authority and responsibilities for investments., (e) Internal controls. Each institution must:, (1) Establish appropriate internal controls to detect and prevent loss, fraud, embezzlement, conflicts of interest, and unauthorized investments., (2) Establish and maintain a separation of duties between personnel who supervise or execute investment transactions and personnel who supervise or engage in all other investment-related functions., (3) Maintain records and management information systems that are appropriate for the level and complexity of the institution's investment activities., (4) Implement an effective internal audit program to review, at least annually, the investment management practices including internal controls, reporting processes, and compliance with FCA regulations. This annual review's scope must be appropriate for the size, risk and complexity of the investment portfolio., (f) Farm Credit bank portfolio diversification - (1) Well-diversified portfolio. Subject to the exemptions set forth in paragraph (f)(3) of this section, each Farm Credit bank must maintain a well-diversified investment portfolio as set forth in paragraph (f)(2) of this section., (2) Investment portfolio diversification requirements. A well-diversified investment portfolio means that, at a minimum, investments are comprised of different asset classes, maturities, industries, geographic areas, and obligors. These diversification requirements apply to each individual security that the Farm Credit bank holds within a DIF. In addition, except as exempted by paragraph (f)(3) of this section, no more than 15 percent of the investment portfolio may be invested in any one asset class. Securities within each DIF count toward the appropriate asset class. Measurement of this diversification requirement must be based on the portfolio valued at amortized cost., (3) Exemptions from investment portfolio diversification requirements. The following investments are not subject to the 15-percent investment portfolio diversification requirement specified in paragraph (f)(2) of this section:, (i) Investments that are fully guaranteed as to the timely payment of principal and interest by a U.S. Government agency;, (ii) Investments that are fully and explicitly guaranteed as to the timely payment of principal and interest by a GSE, except that no more than 50 percent of the investment portfolio may be comprised of GSE MBS. Investments in Farmer Mac securities are governed by \u00a7 615.5174 and are not subject to this limitation; and, (iii) Money market instruments identified in \u00a7 615.5131., (g) Farm Credit bank obligor limit. No more than 10 percent of a Farm Credit bank's total capital (Tier 1 and Tier 2) as defined by \u00a7 628.2 of this chapter may be invested in any one obligor. This obligor limit does not apply to investments in obligations that are fully guaranteed as to the timely payment of principal and interest by U.S. Government agencies or fully and explicitly guaranteed as to the timely payment of principal and interest by GSEs. For a DIF, both the DIF itself and the entities obligated to pay the underlying debt are obligors., (h) Due diligence - (1) Pre-purchase analysis - (i) Eligibility and compliance with investment policies. Before purchasing an investment, the institution must conduct sufficient due diligence to determine whether the investment is eligible under \u00a7 615.5140 and complies with its board's investment policies. The institution must document its assessment and retain any supporting information used in that assessment. The institution may hold an investment that does not comply with its investment policies only with the prior approval of its board., (ii) Valuation. Prior to purchase, the institution must verify the fair market value of the investment (unless it is a new issue) with a source that is independent of the broker, dealer, counterparty or other intermediary to the transaction., (iii) Risk assessment. At purchase, the institution must at a minimum include an evaluation of the credit risk (including country risk when applicable), liquidity risk, market risk, interest rate risk, and underlying collateral of the investment, as applicable. This assessment must be commensurate with the complexity and type of the investment. The institution must also perform stress testing on any structured investment that has uncertain cash flows, including all MBS and ABS, before purchase. The stress test must be commensurate with the type and complexity of the investment and must enable the institution to determine that the investment does not expose its capital, earnings, or liquidity if applicable, to risks that are greater than those specified in its investment policies. The stress testing must comply with the requirements in paragraph (h)(4)(ii) of this section. The institution must document and retain its risk assessment and stress tests conducted on investments purchased., (2) Ongoing value determination. At least monthly, the institution must determine the fair market value of each investment in its portfolio and the fair market value of its whole investment portfolio., (3) Ongoing analysis of credit risk. The institution must establish and maintain processes to monitor and evaluate changes in the credit quality of each investment in its portfolio and in its whole investment portfolio on an ongoing basis., (4) Quarterly stress testing. (i) The institution must stress test its entire investment portfolio, including stress tests of each investment individually and the whole portfolio, at the end of each quarter. The stress tests must enable the institution to determine that its investment securities, both individually and on a portfolio-wide basis, do not expose its capital, earnings, or liquidity if applicable, to risks that exceed the risk tolerance specified in its investment policies. If the institution's portfolio risk exceeds its investment policy limits, the institution must develop a plan to comply with those limits., (ii) The institution's stress tests must be defined in a board-approved policy and must include defined parameters for the security types purchased. The stress tests must be comprehensive and appropriate for the institution's risk profile. At a minimum, the stress tests must be able to measure the price sensitivity of investments over a range of possible interest rates and yield curve scenarios. The stress test methodology must be appropriate for the complexity, structure, and cash flows of the investments in the institution's portfolio. The institution must rely to the maximum extent practicable on verifiable information to support all its stress test assumptions, including prepayment and interest rate volatility assumptions. The institution must document the basis for all assumptions used to evaluate the security and its underlying collateral. The institution must also document all subsequent changes in its assumptions., (5) Presale value verification. Before the institution sells an investment, it must verify its fair market value with an independent source not connected with the sale transaction., (i) Reports to the board of directors. At least quarterly, the institution's management must report on the following to its board of directors or a designated board committee:, (1) Plans and strategies for achieving the board's objectives for the investment portfolio;, (2) Whether the investment portfolio effectively achieves the board's objectives;, (3) The current composition, quality, and the risk and liquidity profiles of the investment portfolio;, (4) The performance of each class of investments and the entire investment portfolio, including all gains and losses realized during the quarter on individual investments that the institution sold before maturity and why they were liquidated;, (5) Potential risk exposure to changes in market interest rates as identified through quarterly stress testing and any other factors that may affect the value of its investment holdings;, (6) How investments affect its capital, earnings, and overall financial condition;, (7) Any deviations from the board's policies (must be specifically identified);, (8) The status and performance of each investment described in \u00a7 615.5143(a) and (b) or that does not comply with the institution's investment policies; including the expected effect of these investments on its capital, earnings, liquidity, as applicable, and collateral position; and, (9) The terms and status of any required divestiture plan or risk reduction plan.", "meta": {"chapter": ["VI"], "chapter_title": ["CHAPTER VI - FARM CREDIT ADMINISTRATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - FARM CREDIT SYSTEM"], "part": ["615"], "part_title": ["PART 615 - FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS"], "section": ["615.5133"], "section_title": ["\u00a7 615.5133 Investment management."]}}
+{"text": "No branch application or prior approval is required in order for a state nonmember bank to participate in one or more financial education programs that involve receiving deposits, paying withdrawals, or lending money if:, (a) Such service or services are provided on school premises, or a facility used by the school;, (b) Such service or services are provided at the discretion of the school;, (c) The principal purpose of each program is financial education. For example, the principal purpose of a program would be considered to be financial education if the program is designed to teach students the principles of personal financial management, banking operations, or the benefits of saving for the future, and is not designed for the purpose of profit-making; and, (d) Each program is conducted in a manner that is consistent with safe and sound banking practices and complies with applicable law.", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"], "part": ["303"], "part_title": ["PART 303 - FILING PROCEDURES"], "section": ["303.46"], "section_title": ["\u00a7 303.46 Financial education programs that include the provision of bank products and services."]}}
+{"text": "(a) Claims. (1) A person who makes a false, fictitious, or fraudulent claim to the FDIC is subject to a civil penalty of up to $5,000 per claim. A claim is false, fictitious, or fraudulent if the person making the claim knows, or has reason to know, that: , (i) The claim is false, fictitious, or fraudulent; or , (ii) The claim includes, or is supported by, a written statement that asserts a material fact which is false, fictitious or fraudulent; or , (iii) The claim includes, or is supported by, a written statement that: , (A) Omits a material fact; and , (B) Is false, fictitious, or fraudulent as a result of that omission; and , (C) Is a statement in which the person making the statement has a duty to include the material fact; or , (iv) The claim seeks payment for providing property or services that the person has not provided as claimed. , (2) Each voucher, invoice, claim form, or other individual request or demand for property, services, or money constitutes a separate claim. , (3) A claim will be considered made to the FDIC, recipient, or party when the claim is actually made to an agent, fiscal intermediary, or other entity, including any state or political subdivision thereof, acting for or on behalf of the FDIC, recipient, or party. , (4) Each claim for property, services, or money that constitutes any one of the elements in paragraph (a)(1) of this section is subject to a civil penalty regardless of whether the property, services, or money is actually delivered or paid. , (5) If the FDIC has made any payment (including transferred property or provided services) on a claim, a person subject to a civil penalty under paragraph (a)(1) of this section will also be subject to an assessment of not more than twice the amount of such claim (or portion of the claim) that is determined to constitute a false, fictitious, or fraudulent claim under paragraph (a)(1) of this section. The assessment will be in lieu of damages sustained by the FDIC because of the claims. , (6) The amount of any penalty assessed under paragraph (a)(1) of this section will be adjusted for inflation in accordance with \u00a7 308.132(d)., (7) The penalty specified in paragraph (a)(1) of this section is in addition to any other remedy allowable by law. , (b) Statements. (1) A person who submits to the FDIC a false, fictitious or fraudulent statement is subject to a civil penalty of up to $5,000 per statement. A statement is false, fictitious or fraudulent if the person submitting the statement to the FDIC knows, or has reason to know, that: , (i) The statement asserts a material fact which is false, fictitious, or fraudulent; or , (ii) The statement omits a material fact that the person making the statement has a duty to include in the statement; and , (iii) The statement contains or is accompanied by an express certification or affirmation of the truthfulness and accuracy of the contents of the statement. , (2) Each written representation, certification, or affirmation constitutes a separate statement. , (3) A statement will be considered made to the FDIC when the statement is actually made to an agent, fiscal intermediary, or other entity, including any state or political subdivision thereof, acting for or on behalf of the FDIC. , (4) The amount of any penalty assessed under paragraph (a)(1) of this section will be adjusted for inflation in accordance with \u00a7 308.132(d)., (5) The penalty specified in paragraph (a)(1) of this section is in addition to any other remedy allowable by law. , (c) Failure to file declaration/certification. Where, as a prerequisite to conducting business with the FDIC, a person is required by law to file one or more declarations and/or certifications, and the person intentionally fails to file such declaration/certification, the person will be subject to the civil penalties as prescribed by this subpart. , (d) Civil money penalties that are assessed under this subpart are subject to annual adjustments to account for inflation as required by the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015 (Pub. L. 114-74, sec. 701, 129 Stat. 584) (see also 12 CFR 308.132(d)(17))., (e) Liability. (1) In any case in which it is determined that more than one person is liable for making a claim or statement under this section, each such person may be held jointly and severally liable for a civil penalty under this section. , (2) In any case in which it is determined that more than one person is liable for making a claim under this section on which the FDIC has made payment (including transferred property or provided services), an assessment may be imposed against any such person or jointly and severally against any combination of such persons. ", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"], "part": ["308"], "part_title": ["PART 308 - RULES OF PRACTICE AND PROCEDURE"], "section": ["308.502"], "section_title": ["\u00a7 308.502 Basis for civil penalties and assessments."]}}
+{"text": "As used in this part, (unless otherwise noted):, Board member means a member of the board of directors of a regulated entity., Board of directors means the board of directors of a regulated entity., Business risk means the risk of an adverse impact on a regulated entity's profitability resulting from external factors as may occur in both the short and long run., Community financial institution has the meaning set forth in \u00a7 1263.1 of this chapter., Compensation means any payment of money or the provision of any other thing of current or potential value in connection with employment or in connection with service as a director., Credit risk is the potential that a borrower or counterparty will fail to meet its financial obligations in accordance with agreed terms., Employee means an individual, other than an executive officer, who works part-time, full-time, or temporarily for a regulated entity., Executive officer means the chief executive officer, chief financial officer, chief operating officer, president, any executive vice president, any senior vice president, and any individual with similar responsibilities, without regard to title, who is in charge of a principal business unit, division, or function, or who reports directly to the chairperson, vice chairperson, chief operating officer, or chief executive officer or president of a regulated entity., Immediate family member means a parent, sibling, spouse, child, dependent, or any relative sharing the same residence., Internal auditor means the individual responsible for the internal audit function at a regulated entity., Liquidity risk means the risk that a regulated entity will be unable to meet its financial obligations as they come due or meet the credit needs of its members and associates in a timely and cost-efficient manner., Market risk means the risk that the market value, or estimated fair value if market value is not available, of a regulated entity's portfolio will decline as a result of changes in interest rates, foreign exchange rates, or equity or commodity prices., NYSE means the New York Stock Exchange., Operational risk means the risk of loss resulting from inadequate or failed internal processes, people, or systems, or from external events (including legal risk but excluding strategic and reputational risk)., Risk appetite means the aggregate level and types of risk the board of directors and management are willing to assume to achieve the regulated entity's strategic objectives and business plan, consistent with applicable capital, liquidity, and other regulatory requirements., Significant deficiency means a deficiency, or a combination of deficiencies, in internal control that is less severe than a material weakness, yet important enough to merit attention by those charged with governance.", "meta": {"chapter": ["XII"], "chapter_title": ["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - ENTITY REGULATIONS"], "part": ["1239"], "part_title": ["PART 1239 - RESPONSIBILITIES OF BOARDS OF DIRECTORS, CORPORATE PRACTICES, AND CORPORATE GOVERNANCE"], "section": ["1239.2"], "section_title": ["\u00a7 1239.2 Definitions."]}}
+{"text": "(a) Regular way settlement and delivery versus payment basis. A Federal credit union may only contract for the purchase or sale of a security as long as the delivery of the security is by regular way settlement and the transaction is accomplished on a delivery versus payment basis. , (b) Federal funds. A Federal credit union may sell Federal funds to an institution described in Section 107(8) of the Act and credit unions, as long as the interest or other consideration received from the financial institution is at the market rate for Federal funds transactions. , (c) Investment repurchase transaction. A Federal credit union may enter into an investment repurchase transaction so long as: , (1) Any securities the Federal credit union receives are permissible investments for Federal credit unions, the Federal credit union, or its agent, either takes physical possession or control of the repurchase securities or is recorded as owner of them through the Federal Reserve Book Entry Securities Transfer System, the Federal credit union, or its agent, receives a daily assessment of their market value, including accrued interest, and the Federal credit union maintains adequate margins that reflect a risk assessment of the securities and the term of the transaction; and , (2) The Federal credit union has entered into signed contracts with all approved counterparties. , (d) Borrowing repurchase transaction. A Federal credit union may enter into a borrowing repurchase transaction so long as: , (1) The transaction meets the requirements of paragraph (c) of this section; , (2) Any cash the Federal credit union receives is subject to the borrowing limit specified in Section 107(9) of the Act, and any investments the Federal credit union purchases with that cash are permissible for Federal credit unions; and , (3) The investments referenced in paragraph (d)(2) of this section must mature under the following conditions:, (i) No later than the maturity of the borrowing repurchase transaction;, (ii) No later than thirty days after the borrowing repurchase transaction, unless authorized under \u00a7 703.20, provided the value of all investments purchased with maturities later than borrowing repurchase transactions does not exceed 100 percent of the federal credit union's net worth; or, (iii) At any time later than the maturity of the borrowing repurchase transaction, provided the value of all investments purchased with maturities later than borrowing repurchase transactions does not exceed 100 percent of the federal credit union's net worth and the credit union received a composite CAMEL rating of \u201c1\u201d or \u201c2\u201d for the last two (2) full examinations and maintained a capital classifications of \u201cwell capitalized\u201d under part 702 of this chapter for the six (6) immediately preceding quarters., (e) Securities lending transaction. A Federal credit union may enter into a securities lending transaction so long as: , (1) The Federal credit union receives written confirmation of the loan; , (2) Any collateral the Federal credit union receives is a legal investment for Federal credit unions, the Federal credit union, or its agent, obtains a first priority security interest in the collateral by taking physical possession or control of the collateral, or is recorded as owner of the collateral through the Federal Reserve Book Entry Securities Transfer System; and the Federal credit union, or its agent, receives a daily assessment of the market value of the collateral, including accrued interest, and maintains adequate margin that reflects a risk assessment of the collateral and the term of the loan; , (3) Any cash the Federal credit union receives is subject to the borrowing limit specified in Section 107(9) of the Act, and any investments the Federal credit union purchases with that cash are permissible for Federal credit unions and mature no later than the maturity of the transaction; and , (4) The Federal credit union has executed a written loan and security agreement with the borrower. , (f)(1) Trading securities. A Federal credit union may trade securities, including engaging in when-issued trading and pair-off transactions, so long as the Federal credit union can show that it has sufficient resources, knowledge, systems, and procedures to handle the risks. , (2) A Federal credit union must record any security it purchases or sells for trading purposes at fair value on the trade date. The trade date is the date the Federal credit union commits, orally or in writing, to purchase or sell a security. , (3) At least monthly, the Federal credit union must give its board of directors or investment-related committee a written report listing all purchase and sale transactions of trading securities and the resulting gain or loss on an individual basis. ", "meta": {"chapter": ["VII"], "chapter_title": ["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"], "part": ["703"], "part_title": ["PART 703 - INVESTMENT AND DEPOSIT ACTIVITIES"], "section": ["703.13"], "section_title": ["\u00a7 703.13 Permissible investment activities."]}}
+{"text": "When a Farm Credit bank or association determines that it has a significant or material event, the institution must prepare and provide to its shareholders and the Farm Credit Administration a notice disclosing the event(s)., (a) Each bank and association board of directors must establish and maintain a policy identifying the categories and types of events that may result in a notice under this section. At a minimum, events covered under this provision include significant events defined in \u00a7 620.1(q) and material events defined in \u00a7 620.1(h). The policy must identify how the significance or materiality of an event will be determined., (b) A notice issued under this section must be made as soon as possible, but not later than 90 days after occurrence of the event., (1) Each institution must electronically provide the notice to the Farm Credit Administration at the same time as distribution of the notice to shareholders., (2) Delivery of the notice to shareholders may be accomplished by direct communications with the shareholders, posting the notice on the institution's Web site, as part of the quarterly report to shareholders, or by publishing the notice in any publication with circulation wide enough to reasonably assure that all of the institution's shareholders have access to the information in a timely manner. No matter how the notice is distributed, it must comply with all the provisions of this section., (c) Every notice must be dated and signed in a manner similar to the requirements of \u00a7 620.3(b)., (d) The information required to be included in a notice issued under this section must be conspicuous, easily understandable, complete, accurate, and not misleading., (e) A Farm Credit System institution may be required to issue a notice under this section at the direction of the Farm Credit Administration.", "meta": {"chapter": ["VI"], "chapter_title": ["CHAPTER VI - FARM CREDIT ADMINISTRATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - FARM CREDIT SYSTEM"], "part": ["620"], "part_title": ["PART 620 - DISCLOSURE TO SHAREHOLDERS"], "section": ["620.15"], "section_title": ["\u00a7 620.15 Notice of significant or material events."]}}
+{"text": "For text of the interpretation on Federal credit unions, see 12 CFR 220.110.", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["221"], "part_title": ["PART 221 - CREDIT BY BANKS AND PERSONS OTHER THAN BROKERS OR DEALERS FOR THE PURPOSE OF PURCHASING OR CARRYING MARGIN STOCK (REGULATION U)"], "section": ["221.104"], "section_title": ["\u00a7 221.104 Federal credit unions."]}}
+{"text": "(a) Definitions. For purposes of this part, the following definitions apply: , (1) International banking facility or IBF means a set of asset and liability accounts segregated on the books and records of a depository institution, United States branch or agency of a foreign bank, or an Edge or Agreement Corporation that includes only international banking facility time deposits and international banking facility extensions of credit., (2) International banking facility time deposit or IBF time deposit means a deposit, placement, borrowing or similar obligation represented by a promissory note, acknowledgment of advance, or similar instrument that is not issued in negotiable or bearer form, and, (i)(A) That must remain on deposit at the IBF at least overnight; and, (B) That is issued to, (1) Any office located outside the United States of another depository institution organized under the laws of the United States or of an Edge or Agreement Corporation;, (2) Any office located outside the United States of a foreign bank;, (3) A United States office or a non-United States office of the entity establishing the IBF;, (4) Another IBF; or, (5) A foreign national government, or an agency or instrumentality thereof, 10 engaged principally in activities which are ordinarily performed in the United States by governmental entities; an international entity of which the United States is a member; or any other foreign international or supranational entity specifically designated by the Board;11 or , 10 Other than states, provinces, municipalities, or other regional or local governmental units or agencies or instrumentalities thereof., 11 The designated entities are specified in 12 CFR 204.125., (ii) (A) That is payable, (1) On a specified date not less than two business days after the date of deposit;, (2) Upon expiration of a specified period of time not less than two business days after the date of deposit; or , (3) Upon written notice that actually is required to be given by the depositor not less than two business days prior to the date of withdrawal;, (B) That represents funds deposited to the credit of a non-United States resident or a foreign branch, office, subsidiary, affiliate, or other foreign establishment (foreign affiliate) controlled by one or more domestic corporations provided that such funds are used only to support the operations outside the United States of the depositor or of its affiliates located outside the United States; and, (C) That is maintained under an agreement or arrangement under which no deposit or withdrawal of less than $100,000 is permitted, except that a withdrawal of less than $100,000 is permitted if such withdrawal closes an account., (3) International banking facility extension of credit or IBF loan means any transaction where an IBF supplies funds by making a loan, or placing funds in a deposit account. Such transactions may be represented by a promissory note, security, acknowledgment of advance, due bill, repurchase agreement, or any other form of credit transaction. Such credit may be extended only to:, (i) Any office located outside the United States of another depository institution organized under the laws of the United States or of an Edge or Agreement Corporation;, (ii) Any office located outside the United States of a foreign bank;, (iii) A United States or a non-United States office of the institution establishing the IBF;, (iv) Another IBF;, (v) A foreign national government, or an agency or instrumentality thereof, 12 engaged principally in activities which are ordinarily performed in the United States by governmental entities; an international entity of which the United States is a member; or any other foreign international or supranational entity specifically designated by the Board; 13 or, 12 See footnote 10., 13 See footnote 11., (vi) A non-United States resident or a foreign branch, office, subsidiary, affiliate or other foreign establishment (foreign affiliate) controlled by one or more domestic corporations provided that the funds are used only to finance the operations outside the United States of the borrower or of its affiliates located outside the United States., (b) Acknowledgment of use of IBF deposits and extensions of credit. An IBF shall provide written notice to each of its customers (other than those specified in \u00a7 204.8(a)(2)(i)(B) and \u00a7 204.8(a)(3) (i) through (v)) at the time a deposit relationship or a credit relationship is first established that it is the policy of the Board of Governors of the Federal Reserve System that deposits received by international banking facilities may be used only to support the depositor's operations outside the United States as specified in \u00a7 204.8(a)(2)(ii)(B) and that extensions of credit by IBFs may be used only to finance operations outside of the United States as specified in \u00a7 204.8(a)(3)(vi). In the case of loans to or deposits from foreign affiliates of U.S. residents, receipt of such notice must be acknowledged in writing whenever a deposit or credit relationship is first established with the IBF., (c) Exemption from reserve requirements. An institution that is subject to the reserve requirements of this part is not required to maintain reserves against its IBF time deposits or IBF loans. Deposit-taking activities of IBFs are limited to accepting only IBF time deposits and lending activities of IBFs are restricted to making only IBF loans., (d) Establishment of an international banking facility. A depository institution, an Edge or Agreement Corporation or a United States branch or agency of a foreign bank may establish an IBF in any location where it is legally authorized to engage in IBF business. However, only one IBF may be established for each reporting entity that is required to submit a Report of Transaction Accounts, Other Deposits and Vault Cash (Form FR 2900)., (e) Notification to Federal Reserve. At least fourteen days prior to the first reserve computation period that an institution intends to establish an IBF it shall notify the Federal Reserve Bank of the district in which it is located of its intent. Such notification shall include a statement of intention by the institution that it will comply with the rules of this part concerning IBFs, including restrictions on sources and uses of funds, and recordkeeping and accounting requirements. Failure to comply with the requirements of this part shall subject the institution to reserve requirements under this part or result in the revocation of the institution's ability to operate an IBF., (f) Recordkeeping requirements. A depository institution shall segregate on its books and records the asset and liability accounts of its IBF and submit reports concerning the operations of its IBF as required by the Board.", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"], "part": ["204"], "part_title": ["PART 204 - RESERVE REQUIREMENTS OF DEPOSITORY INSTITUTIONS (REGULATION D)"], "section": ["204.8"], "section_title": ["\u00a7 204.8 International banking facilities."]}}
+{"text": "(a) Monthly statements. Each banking institution must promptly furnish to each retail forex customer, as of the close of the last business day of each month or as of any regular monthly date selected, except for accounts in which there are neither open positions at the end of the statement period nor any changes to the account balance since the prior statement period, but in any event not less frequently than once every three months, a statement that clearly shows:, (1) For each retail forex customer:, (i) The open retail forex transactions with prices at which acquired;, (ii) The net unrealized profits or losses in all open retail forex transactions marked to the market;, (iii) Any money, securities or other property held as margin for retail forex transactions; and, (iv) A detailed accounting of all financial charges and credits to the retail forex customer's retail forex accounts during the monthly reporting period, including: money, securities, or property received from or disbursed to such customer; realized profits and losses; and fees, charges, and commissions., (2) For each retail forex customer engaging in retail forex transactions that are options:, (i) All such options purchased, sold, exercised, or expired during the monthly reporting period, identified by underlying retail forex transaction or underlying currency, strike price, transaction date, and expiration date;, (ii) The open option positions carried for such customer and arising as of the end of the monthly reporting period, identified by underlying retail forex transaction or underlying currency, strike price, transaction date, and expiration date;, (iii) All such option positions marked to the market and the amount each position is in the money, if any;, (iv) Any money, securities or other property held as margin for retail forex transactions; and, (v) A detailed accounting of all financial charges and credits to the retail forex customer's retail forex accounts during the monthly reporting period, including: money, securities, or property received from or disbursed to such customer; realized profits and losses; premiums and mark-ups; and fees, charges, and commissions., (b) Confirmation statement. Each banking institution must, not later than the next business day after any retail forex transaction, send:, (1) To each retail forex customer, a written confirmation of each retail forex transaction caused to be executed by it for the customer, including offsetting transactions executed during the same business day and the rollover of an open retail forex transaction to the next business day;, (2) To each retail forex customer engaging in forex option transactions, a written confirmation of each forex option transaction, containing at least the following information:, (i) The retail forex customer's account identification number;, (ii) A separate listing of the actual amount of the premium, as well as each mark-up thereon, if applicable, and all other commissions, costs, fees and other charges incurred in connection with the forex option transaction;, (iii) The strike price;, (iv) The underlying retail forex transaction or underlying currency;, (v) The final exercise date of the forex option purchased or sold; and, (vi) The date the forex option transaction was executed., (3) To each retail forex customer engaging in forex option transactions, upon the expiration or exercise of any option, a written confirmation statement thereof, which statement shall include the date of such occurrence, a description of the option involved, and, in the case of exercise, the details of the retail forex or physical currency position which resulted therefrom including, if applicable, the final trading date of the retail forex transaction underlying the option., (c) Notwithstanding the provisions of paragraphs (b)(1) through (3) of this section, a retail forex transaction that is caused to be executed for a pooled investment vehicle that engages in retail forex transactions need be confirmed only to the operator of such pooled investment vehicle., (d) Controlled accounts. With respect to any account controlled by any person other than the retail forex customer for whom such account is carried, each banking institution shall promptly furnish in writing to such other person the information required by paragraphs (a) and (b) of this section., (e) Introduced accounts. Each statement provided pursuant to the provisions of this section must, if applicable, show that the account for which the banking institution was introduced by an introducing broker and the name of the introducing broker.", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["240"], "part_title": ["PART 240 - RETAIL FOREIGN EXCHANGE TRANSACTIONS (REGULATION NN)"], "section": ["240.10"], "section_title": ["\u00a7 240.10 Required reporting to customers."]}}
+{"text": "Each insured credit union shall provide notice to its members concerning NCUA insurance coverage of member accounts. This may be accomplished by placing either a copy of part 745 of these rules, the appendix, or one or more copies of the NCUA brochure \u201cYour Insured Funds\u201d in each branch office and main office of the credit union. Copies of these materials shall also be made available to members upon request. For purposes of this section, an automated teller machine or point of sale terminal is not a branch office.", "meta": {"chapter": ["VII"], "chapter_title": ["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"], "part": ["745"], "part_title": ["PART 745 - SHARE INSURANCE AND APPENDIX"], "section": ["745.13"], "section_title": ["\u00a7 745.13 Notification to members/shareholders."]}}
+{"text": "(a) Deadline for completing the sale of stock. The mutual holding company must complete all sales of the stock within 45 calendar days after the last day of the subscription period, unless the offering is extended under paragraph (b) of this section., (b) Offering period extension. (1) The mutual holding company must request, in writing, an extension of any offering period., (2) The Board may grant extensions of time to sell the shares. The Board will not grant any single extension of more than 90 days., (3) If the Board grants the request for an extension of time, the mutual holding company must provide a post-effective amendment to the offering circular under \u00a7 239.58(c) to each person who subscribed for or ordered stock. The amendment must indicate that the Board extended the offering period and that each person who subscribed for or ordered stock may increase, decrease, or rescind their subscription or order within the time remaining in the extension period.", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["239"], "part_title": ["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"], "section": ["239.60"], "section_title": ["\u00a7 239.60 Completion of the offering."]}}
+{"text": "A covered swap entity shall comply with:, (a) In the case of the Federal Agricultural Mortgage Corporation, the capital adequacy regulations set forth in part 652 of this chapter; and, (b) In the case of any Farm Credit System institution other than the Federal Agricultural Mortgage Corporation, the capital regulations set forth in parts 615 and 628 of this chapter.", "meta": {"chapter": ["VI"], "chapter_title": ["CHAPTER VI - FARM CREDIT ADMINISTRATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - FARM CREDIT SYSTEM"], "part": ["624"], "part_title": ["PART 624 - MARGIN AND CAPITAL REQUIREMENTS FOR COVERED SWAP ENTITIES"], "section": ["624.12"], "section_title": ["\u00a7 624.12 Capital."]}}
+{"text": "A financial company may not organize or operate its business or structure any acquisition of or merger or consolidation with another company in such a manner that results in evasion of the concentration limit established by section 14 of the Bank Holding Company Act or this part.", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["251"], "part_title": ["PART 251 - CONCENTRATION LIMIT (REGULATION XX)"], "section": ["251.5"], "section_title": ["\u00a7 251.5 No evasion."]}}
+{"text": "(a) Application and prior NCUA approval required. Any credit union insured under title II of the Act must apply for and receive approval from the regional director before establishing a credit union branch outside the United States unless the foreign branch is located on a United States military instillation or embassy outside the United States. The regional director will have 60 days to approve or deny the request., (b) Contents of application. The application must include a business plan, written approval by the state supervisory agency if the applicant is a state-chartered credit union, and documentation evidencing written permission from the host country to establish the branch that explicitly recognizes NCUA's authority to examine and take any enforcement action, including conservatorship and liquidation actions., (c) Contents of business plan. The written business plan must address the following: , (1) Analysis of market conditions in the area where the branch is to be established;, (2) The credit union's plan for addressing foreign currency risk;, (3) Operating facilities, including office space/equipment and supplies;, (4) Safeguarding of assets, bond coverage, insurance coverage, and records preservation;, (5) Written policies regarding the branch (shares, lending, capital, charge-offs, collections);, (6) The field of membership or portion of the field of membership to be served through the foreign branch and the financial needs of the members to be served and services and products to be provided;, (7) Detailed pro forma financial statements for branch operations (balance sheet and income and expense projections) for the first and second year including assumptions;, (8) Internal controls including cash disbursal procedures for shares and loans at the branch;, (9) Accounting procedures used to identify branch activity and performance; and, (10) Foreign income taxation and employment law., (d) Revocation of approval. A State regulator that revokes approval of the branch office must notify NCUA of the action once it issues the notice of revocation. The regional director may revoke approval of the branch office for failure to follow the business plan in a material respect or for substantive and documented safety and soundness reasons. If the regional director revokes the approval, the credit union will have six months from the date of the revocation letter to terminate the operations of the branch. The credit union can request reconsideration of the revocation and/or appeal this revocation to the NCUA Board in accordance with the procedures set forth in subpart B to part 746 of this chapter., (e) Insurance coverage. Accounts at foreign branches are insured by the NCUSIF only if denominated in U.S. dollars and only if payable, by the terms of the account agreement, at a U.S. office of the credit union. If the host country requires insurance from its own system, accounts will not be insured by the National Credit Union Share Insurance Fund.", "meta": {"chapter": ["VII"], "chapter_title": ["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"], "part": ["741"], "part_title": ["PART 741 - REQUIREMENTS FOR INSURANCE"], "section": ["741.11"], "section_title": ["\u00a7 741.11 Foreign branching."]}}
+{"text": "(a) Terms that are set forth in \u00a7 324.2 and used in this subpart have the definitions assigned thereto in \u00a7 324.2., (b) For the purposes of this subpart, the following terms are defined as follows:, Advanced internal ratings-based (IRB) systems means an advanced approaches FDIC-supervised institution's internal risk rating and segmentation system; risk parameter quantification system; data management and maintenance system; and control, oversight, and validation system for credit risk of wholesale and retail exposures., Advanced systems means an advanced approaches FDIC-supervised institution's advanced IRB systems, operational risk management processes, operational risk data and assessment systems, operational risk quantification systems, and, to the extent used by the FDIC-supervised institution, the internal models methodology, advanced CVA approach, double default excessive correlation detection process, and internal models approach (IMA) for equity exposures., Backtesting means the comparison of an FDIC-supervised institution's internal estimates with actual outcomes during a sample period not used in model development. In this context, backtesting is one form of out-of-sample testing., Benchmarking means the comparison of an FDIC-supervised institution's internal estimates with relevant internal and external data or with estimates based on other estimation techniques., Bond option contract means a bond option, bond future, or any other instrument linked to a bond that gives rise to similar counterparty credit risk., Business environment and internal control factors means the indicators of an FDIC-supervised institution's operational risk profile that reflect a current and forward-looking assessment of the FDIC-supervised institution's underlying business risk factors and internal control environment., Credit default swap (CDS) means a financial contract executed under standard industry documentation that allows one party (the protection purchaser) to transfer the credit risk of one or more exposures (reference exposure(s)) to another party (the protection provider) for a certain period of time., Credit valuation adjustment (CVA) means the fair value adjustment to reflect counterparty credit risk in valuation of OTC derivative contracts., Default - For the purposes of calculating capital requirements under this subpart:, (1) Retail. (i) A retail exposure of an FDIC-supervised institution is in default if:, (A) The exposure is 180 days past due, in the case of a residential mortgage exposure or revolving exposure;, (B) The exposure is 120 days past due, in the case of retail exposures that are not residential mortgage exposures or revolving exposures; or, (C) The FDIC-supervised institution has taken a full or partial charge-off, write-down of principal, or material negative fair value adjustment of principal on the exposure for credit-related reasons., (ii) Notwithstanding paragraph (1)(i) of this definition, for a retail exposure held by a non-U.S. subsidiary of the FDIC-supervised institution that is subject to an internal ratings-based approach to capital adequacy consistent with the Basel Committee on Banking Supervision's \u201cInternational Convergence of Capital Measurement and Capital Standards: A Revised Framework\u201d in a non-U.S. jurisdiction, the FDIC-supervised institution may elect to use the definition of default that is used in that jurisdiction, provided that the FDIC-supervised institution has obtained prior approval from the FDIC to use the definition of default in that jurisdiction., (iii) A retail exposure in default remains in default until the FDIC-supervised institution has reasonable assurance of repayment and performance for all contractual principal and interest payments on the exposure., (2) Wholesale. (i) An FDIC-supervised institution's wholesale obligor is in default if:, (A) The FDIC-supervised institution determines that the obligor is unlikely to pay its credit obligations to the FDIC-supervised institution in full, without recourse by the FDIC-supervised institution to actions such as realizing collateral (if held); or, (B) The obligor is past due more than 90 days on any material credit obligation(s) to the FDIC-supervised institution.29, 29 Overdrafts are past due once the obligor has breached an advised limit or been advised of a limit smaller than the current outstanding balance., (ii) An obligor in default remains in default until the FDIC-supervised institution has reasonable assurance of repayment and performance for all contractual principal and interest payments on all exposures of the FDIC-supervised institution to the obligor (other than exposures that have been fully written-down or charged-off)., Dependence means a measure of the association among operational losses across and within units of measure., Economic downturn conditions means, with respect to an exposure held by the FDIC-supervised institution, those conditions in which the aggregate default rates for that exposure's wholesale or retail exposure subcategory (or subdivision of such subcategory selected by the FDIC-supervised institution) in the exposure's national jurisdiction (or subdivision of such jurisdiction selected by the FDIC-supervised institution) are significantly higher than average., Effective maturity (M) of a wholesale exposure means:, (1) For wholesale exposures other than repo-style transactions, eligible margin loans, and OTC derivative contracts described in paragraph (2) or (3) of this definition:, (i) The weighted-average remaining maturity (measured in years, whole or fractional) of the expected contractual cash flows from the exposure, using the undiscounted amounts of the cash flows as weights; or, (ii) The nominal remaining maturity (measured in years, whole or fractional) of the exposure., (2) For repo-style transactions, eligible margin loans, and OTC derivative contracts subject to a qualifying master netting agreement for which the FDIC-supervised institution does not apply the internal models approach in \u00a7 324.132(d), the weighted-average remaining maturity (measured in years, whole or fractional) of the individual transactions subject to the qualifying master netting agreement, with the weight of each individual transaction set equal to the notional amount of the transaction., (3) For repo-style transactions, eligible margin loans, and OTC derivative contracts for which the FDIC-supervised institution applies the internal models approach in \u00a7 324.132(d), the value determined in \u00a7 324.132(d)(4)., Eligible double default guarantor, with respect to a guarantee or credit derivative obtained by an FDIC-supervised institution, means:, (1) U.S.-based entities. A depository institution, a bank holding company, a savings and loan holding company, or a securities broker or dealer registered with the SEC under the Securities Exchange Act, if at the time the guarantee is issued or anytime thereafter, has issued and outstanding an unsecured debt security without credit enhancement that is investment grade., (2) Non-U.S.-based entities. A foreign bank, or a non-U.S.-based securities firm if the FDIC-supervised institution demonstrates that the guarantor is subject to consolidated supervision and regulation comparable to that imposed on U.S. depository institutions (or securities broker-dealers), if at the time the guarantee is issued or anytime thereafter, has issued and outstanding an unsecured debt security without credit enhancement that is investment grade., Eligible operational risk offsets means amounts, not to exceed expected operational loss, that:, (1) Are generated by internal business practices to absorb highly predictable and reasonably stable operational losses, including reserves calculated consistent with GAAP; and, (2) Are available to cover expected operational losses with a high degree of certainty over a one-year horizon., Eligible purchased wholesale exposure means a purchased wholesale exposure that:, (1) The FDIC-supervised institution or securitization SPE purchased from an unaffiliated seller and did not directly or indirectly originate;, (2) Was generated on an arm's-length basis between the seller and the obligor (intercompany accounts receivable and receivables subject to contra-accounts between firms that buy and sell to each other do not satisfy this criterion);, (3) Provides the FDIC-supervised institution or securitization SPE with a claim on all proceeds from the exposure or a pro rata interest in the proceeds from the exposure;, (4) Has an M of less than one year; and, (5) When consolidated by obligor, does not represent a concentrated exposure relative to the portfolio of purchased wholesale exposures., Expected exposure (EE) means the expected value of the probability distribution of non-negative credit risk exposures to a counterparty at any specified future date before the maturity date of the longest term transaction in the netting set. Any negative fair values in the probability distribution of fair values to a counterparty at a specified future date are set to zero to convert the probability distribution of fair values to the probability distribution of credit risk exposures., Expected operational loss (EOL) means the expected value of the distribution of potential aggregate operational losses, as generated by the FDIC-supervised institution's operational risk quantification system using a one-year horizon., Expected positive exposure (EPE) means the weighted average over time of expected (non-negative) exposures to a counterparty where the weights are the proportion of the time interval that an individual expected exposure represents. When calculating risk-based capital requirements, the average is taken over a one-year horizon., Exposure at default (EAD) means:, (1) For the on-balance sheet component of a wholesale exposure or segment of retail exposures (other than an OTC derivative contract, a repo-style transaction or eligible margin loan for which the FDIC-supervised institution determines EAD under \u00a7 324.132, a cleared transaction, or default fund contribution), EAD means the FDIC-supervised institution's carrying value (including net accrued but unpaid interest and fees) for the exposure or segment less any allocated transfer risk reserve for the exposure or segment., (2) For the off-balance sheet component of a wholesale exposure or segment of retail exposures (other than an OTC derivative contract, a repo-style transaction or eligible margin loan for which the FDIC-supervised institution determines EAD under \u00a7 324.132, cleared transaction, or default fund contribution) in the form of a loan commitment, line of credit, trade-related letter of credit, or transaction-related contingency, EAD means the FDIC-supervised institution's best estimate of net additions to the outstanding amount owed the FDIC-supervised institution, including estimated future additional draws of principal and accrued but unpaid interest and fees, that are likely to occur over a one-year horizon assuming the wholesale exposure or the retail exposures in the segment were to go into default. This estimate of net additions must reflect what would be expected during economic downturn conditions. For the purposes of this definition:, (i) Trade-related letters of credit are short-term, self-liquidating instruments that are used to finance the movement of goods and are collateralized by the underlying goods., (ii) Transaction-related contingencies relate to a particular transaction and include, among other things, performance bonds and performance-based letters of credit., (3) For the off-balance sheet component of a wholesale exposure or segment of retail exposures (other than an OTC derivative contract, a repo-style transaction, or eligible margin loan for which the FDIC-supervised institution determines EAD under \u00a7 324.132, cleared transaction, or default fund contribution) in the form of anything other than a loan commitment, line of credit, trade-related letter of credit, or transaction-related contingency, EAD means the notional amount of the exposure or segment., (4) EAD for OTC derivative contracts is calculated as described in \u00a7 324.132. An FDIC-supervised institution also may determine EAD for repo-style transactions and eligible margin loans as described in \u00a7 324.132., Exposure category means any of the wholesale, retail, securitization, or equity exposure categories., External operational loss event data means, with respect to an FDIC-supervised institution, gross operational loss amounts, dates, recoveries, and relevant causal information for operational loss events occurring at organizations other than the FDIC-supervised institution., IMM exposure means a repo-style transaction, eligible margin loan, or OTC derivative for which an FDIC-supervised institution calculates its EAD using the internal models methodology of \u00a7 324.132(d)., Internal operational loss event data means, with respect to an FDIC-supervised institution, gross operational loss amounts, dates, recoveries, and relevant causal information for operational loss events occurring at the FDIC-supervised institution., Loss given default (LGD) means:, (1) For a wholesale exposure, the greatest of:, (i) Zero;, (ii) The FDIC-supervised institution's empirically based best estimate of the long-run default-weighted average economic loss, per dollar of EAD, the FDIC-supervised institution would expect to incur if the obligor (or a typical obligor in the loss severity grade assigned by the FDIC-supervised institution to the exposure) were to default within a one-year horizon over a mix of economic conditions, including economic downturn conditions; or, (iii) The FDIC-supervised institution's empirically based best estimate of the economic loss, per dollar of EAD, the FDIC-supervised institution would expect to incur if the obligor (or a typical obligor in the loss severity grade assigned by the FDIC-supervised institution to the exposure) were to default within a one-year horizon during economic downturn conditions., (2) For a segment of retail exposures, the greatest of:, (i) Zero;, (ii) The FDIC-supervised institution's empirically based best estimate of the long-run default-weighted average economic loss, per dollar of EAD, the FDIC-supervised institution would expect to incur if the exposures in the segment were to default within a one-year horizon over a mix of economic conditions, including economic downturn conditions; or, (iii) The FDIC-supervised institution's empirically based best estimate of the economic loss, per dollar of EAD, the FDIC-supervised institution would expect to incur if the exposures in the segment were to default within a one-year horizon during economic downturn conditions., (3) The economic loss on an exposure in the event of default is all material credit-related losses on the exposure (including accrued but unpaid interest or fees, losses on the sale of collateral, direct workout costs, and an appropriate allocation of indirect workout costs). Where positive or negative cash flows on a wholesale exposure to a defaulted obligor or a defaulted retail exposure (including proceeds from the sale of collateral, workout costs, additional extensions of credit to facilitate repayment of the exposure, and draw-downs of unused credit lines) occur after the date of default, the economic loss must reflect the net present value of cash flows as of the default date using a discount rate appropriate to the risk of the defaulted exposure., Obligor means the legal entity or natural person contractually obligated on a wholesale exposure, except that an FDIC-supervised institution may treat the following exposures as having separate obligors:, (1) Exposures to the same legal entity or natural person denominated in different currencies;, (2)(i) An income-producing real estate exposure for which all or substantially all of the repayment of the exposure is reliant on the cash flows of the real estate serving as collateral for the exposure; the FDIC-supervised institution, in economic substance, does not have recourse to the borrower beyond the real estate collateral; and no cross-default or cross-acceleration clauses are in place other than clauses obtained solely out of an abundance of caution; and, (ii) Other credit exposures to the same legal entity or natural person; and, (3)(i) A wholesale exposure authorized under section 364 of the U.S. Bankruptcy Code (11 U.S.C. 364) to a legal entity or natural person who is a debtor-in-possession for purposes of Chapter 11 of the Bankruptcy Code; and, (ii) Other credit exposures to the same legal entity or natural person., Operational loss means a loss (excluding insurance or tax effects) resulting from an operational loss event. Operational loss includes all expenses associated with an operational loss event except for opportunity costs, forgone revenue, and costs related to risk management and control enhancements implemented to prevent future operational losses., Operational loss event means an event that results in loss and is associated with any of the following seven operational loss event type categories:, (1) Internal fraud, which means the operational loss event type category that comprises operational losses resulting from an act involving at least one internal party of a type intended to defraud, misappropriate property, or circumvent regulations, the law, or company policy excluding diversity- and discrimination-type events., (2) External fraud, which means the operational loss event type category that comprises operational losses resulting from an act by a third party of a type intended to defraud, misappropriate property, or circumvent the law. Retail credit card losses arising from non-contractual, third-party-initiated fraud (for example, identity theft) are external fraud operational losses. All other third-party-initiated credit losses are to be treated as credit risk losses., (3) Employment practices and workplace safety, which means the operational loss event type category that comprises operational losses resulting from an act inconsistent with employment, health, or safety laws or agreements, payment of personal injury claims, or payment arising from diversity- and discrimination-type events., (4) Clients, products, and business practices, which means the operational loss event type category that comprises operational losses resulting from the nature or design of a product or from an unintentional or negligent failure to meet a professional obligation to specific clients (including fiduciary and suitability requirements)., (5) Damage to physical assets, which means the operational loss event type category that comprises operational losses resulting from the loss of or damage to physical assets from natural disaster or other events., (6) Business disruption and system failures, which means the operational loss event type category that comprises operational losses resulting from disruption of business or system failures., (7) Execution, delivery, and process management, which means the operational loss event type category that comprises operational losses resulting from failed transaction processing or process management or losses arising from relations with trade counterparties and vendors., Operational risk means the risk of loss resulting from inadequate or failed internal processes, people, and systems or from external events (including legal risk but excluding strategic and reputational risk)., Operational risk exposure means the 99.9th percentile of the distribution of potential aggregate operational losses, as generated by the FDIC-supervised institution's operational risk quantification system over a one-year horizon (and not incorporating eligible operational risk offsets or qualifying operational risk mitigants)., Other retail exposure means an exposure (other than a securitization exposure, an equity exposure, a residential mortgage exposure, a pre-sold construction loan, a qualifying revolving exposure, or the residual value portion of a lease exposure) that is managed as part of a segment of exposures with homogeneous risk characteristics, not on an individual-exposure basis, and is either:, (1) An exposure to an individual for non-business purposes; or, (2) An exposure to an individual or company for business purposes if the FDIC-supervised institution's consolidated business credit exposure to the individual or company is $1 million or less., Probability of default (PD) means:, (1) For a wholesale exposure to a non-defaulted obligor, the FDIC-supervised institution's empirically based best estimate of the long-run average one-year default rate for the rating grade assigned by the FDIC-supervised institution to the obligor, capturing the average default experience for obligors in the rating grade over a mix of economic conditions (including economic downturn conditions) sufficient to provide a reasonable estimate of the average one-year default rate over the economic cycle for the rating grade., (2) For a segment of non-defaulted retail exposures, the FDIC-supervised institution's empirically based best estimate of the long-run average one-year default rate for the exposures in the segment, capturing the average default experience for exposures in the segment over a mix of economic conditions (including economic downturn conditions) sufficient to provide a reasonable estimate of the average one-year default rate over the economic cycle for the segment., (3) For a wholesale exposure to a defaulted obligor or segment of defaulted retail exposures, 100 percent., Qualifying cross-product master netting agreement means a qualifying master netting agreement that provides for termination and close-out netting across multiple types of financial transactions or qualifying master netting agreements in the event of a counterparty's default, provided that the underlying financial transactions are OTC derivative contracts, eligible margin loans, or repo-style transactions. In order to treat an agreement as a qualifying cross-product master netting agreement for purposes of this subpart, an FDIC-supervised institution must comply with the requirements of \u00a7 324.3(c) of this part with respect to that agreement., Qualifying revolving exposure (QRE) means an exposure (other than a securitization exposure or equity exposure) to an individual that is managed as part of a segment of exposures with homogeneous risk characteristics, not on an individual-exposure basis, and:, (1) Is revolving (that is, the amount outstanding fluctuates, determined largely by a borrower's decision to borrow and repay up to a pre-established maximum amount, except for an outstanding amount that the borrower is required to pay in full every month);, (2) Is unsecured and unconditionally cancelable by the FDIC-supervised institution to the fullest extent permitted by Federal law; and, (3)(i) Has a maximum contractual exposure amount (drawn plus undrawn) of up to $100,000; or, (ii) With respect to a product with an outstanding amount that the borrower is required to pay in full every month, the total outstanding amount does not in practice exceed $100,000., (4) A segment of exposures that contains one or more exposures that fails to meet paragraph (3)(ii) of this definition must be treated as a segment of other retail exposures for the 24 month period following the month in which the total outstanding amount of one or more exposures individually exceeds $100,000., Retail exposure means a residential mortgage exposure, a qualifying revolving exposure, or an other retail exposure., Retail exposure subcategory means the residential mortgage exposure, qualifying revolving exposure, or other retail exposure subcategory., Risk parameter means a variable used in determining risk-based capital requirements for wholesale and retail exposures, specifically probability of default (PD), loss given default (LGD), exposure at default (EAD), or effective maturity (M)., Scenario analysis means a systematic process of obtaining expert opinions from business managers and risk management experts to derive reasoned assessments of the likelihood and loss impact of plausible high-severity operational losses. Scenario analysis may include the well-reasoned evaluation and use of external operational loss event data, adjusted as appropriate to ensure relevance to an FDIC-supervised institution's operational risk profile and control structure., Total wholesale and retail risk-weighted assets means the sum of:, (1) Risk-weighted assets for wholesale exposures that are not IMM exposures, cleared transactions, or default fund contributions to non-defaulted obligors and segments of non-defaulted retail exposures;, (2) Risk-weighted assets for wholesale exposures to defaulted obligors and segments of defaulted retail exposures;, (3) Risk-weighted assets for assets not defined by an exposure category;, (4) Risk-weighted assets for non-material portfolios of exposures;, (5) Risk-weighted assets for IMM exposures (as determined in \u00a7 324.132(d));, (6) Risk-weighted assets for cleared transactions and risk-weighted assets for default fund contributions (as determined in \u00a7 324.133); and, (7) Risk-weighted assets for unsettled transactions (as determined in \u00a7 324.136)., Unexpected operational loss (UOL) means the difference between the FDIC-supervised institution's operational risk exposure and the FDIC-supervised institution's expected operational loss., Unit of measure means the level (for example, organizational unit or operational loss event type) at which the FDIC-supervised institution's operational risk quantification system generates a separate distribution of potential operational losses., Wholesale exposure means a credit exposure to a company, natural person, sovereign, or governmental entity (other than a securitization exposure, retail exposure, pre-sold construction loan, or equity exposure)., Wholesale exposure subcategory means the HVCRE or non-HVCRE wholesale exposure subcategory.", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"], "part": ["324"], "part_title": ["PART 324 - CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS"], "section": ["324.101"], "section_title": ["\u00a7 324.101 Definitions."]}}
+{"text": "Except as otherwise defined, the term Farm Credit institutions refers to all institutions chartered and regulated by the Farm Credit Administration as described in section 1.2 of the Act, and to the Funding Corporation.", "meta": {"chapter": ["VI"], "chapter_title": ["CHAPTER VI - FARM CREDIT ADMINISTRATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - FARM CREDIT SYSTEM"], "part": ["619"], "part_title": ["PART 619 - DEFINITIONS"], "section": ["619.9146"], "section_title": ["\u00a7 619.9146 Farm Credit institutions."]}}
+{"text": "(a) Appraiser certification or licensing of owners. (1) An AMC subject to State registration pursuant to this section shall not be registered by a State or included on the AMC National Registry if such AMC, in whole or in part, directly or indirectly, is owned by any person who has had an appraiser license or certificate refused, denied, cancelled, surrendered in lieu of revocation, or revoked in any State for a substantive cause, as determined by the appropriate State appraiser certifying and licensing agency., (2) An AMC subject to State registration pursuant to this section is not barred by \u00a7 323.11(a)(1) from being registered by a State or included on the AMC National Registry if the license or certificate of the appraiser with an ownership interest was not revoked for a substantive cause and has been reinstated by the State or States in which the appraiser was licensed or certified., (b) Good moral character of owners. An AMC shall not be registered by a State if any person that owns more than 10 percent of the AMC - , (1) Is determined by the State appraiser certifying and licensing agency not to have good moral character; or, (2) Fails to submit to a background investigation carried out by the State appraiser certifying and licensing agency.", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"], "part": ["323"], "part_title": ["PART 323 - APPRAISALS"], "section": ["323.12"], "section_title": ["\u00a7 323.12 Ownership limitations for State-registered appraisal management companies."]}}
+{"text": "Under policies approved by the bank board and procedures developed by the bank, production credit associations and agricultural credit associations may make the following special types of loans on commodities covered by price support programs. Notwithstanding the regulations covering other loans made by an association, loans may be made to members on any commodity for which a Commodity Credit Corporation price support program is in effect, at such rate of interest and upon such terms as the bank board may prescribe subject to the following conditions: , (a) The commodity offered as security for the loan shall be eligible for price support under a Commodity Credit Corporation price support program and shall be stored in a bonded public warehouse, holding storage agreement for such commodity approved by Commodity Credit Corporation. , (b) The member shall have complied with all Commodity Credit Corporation eligibility requirements. , (c) The loan shall mature not later than 30 days prior to the expiration of the period during which the Commodity Credit Corporation loan or other price support may be obtained on the commodity and shall be secured by pledge of negotiable warehouse receipts covering the commodity. , (d) The borrower shall appoint the association as his attorney-in-fact to obtain a Commodity Credit Corporation loan (or other such price support as is available) in the event that the borrower fails to do so prior to maturity or repayment of the loan.", "meta": {"chapter": ["VI"], "chapter_title": ["CHAPTER VI - FARM CREDIT ADMINISTRATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - FARM CREDIT SYSTEM"], "part": ["614"], "part_title": ["PART 614 - LOAN POLICIES AND OPERATIONS"], "section": ["614.4530"], "section_title": ["\u00a7 614.4530 Special loans, production credit associations and agricultural credit associations."]}}
+{"text": "(a) If a hearing official determines that a debt is not legally due and owing to the United States, the FDIC shall promptly refund any amount collected by means of administrative wage garnishment. , (b) Unless required by federal law or contract, refunds under this section shall not bear interest. ", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"], "part": ["313"], "part_title": ["PART 313 - PROCEDURES FOR COLLECTION OF CORPORATE DEBT, CRIMINAL RESTITUTION DEBT, AND CIVIL MONEY PENALTY DEBT"], "section": ["313.100"], "section_title": ["\u00a7 313.100 Refunds."]}}
+{"text": "(a) General rule. All proceedings governed by this part shall be conducted in accordance with the provisions of chapter 5 of title 5 of the United States Code. The administrative law judge shall have all powers necessary to conduct a proceeding in a fair and impartial manner and to avoid unnecessary delay. , (b) Powers. The administrative law judge shall have all powers necessary to conduct the proceeding in accordance with paragraph (a) of this section, including the following powers:, (1) To administer oaths and affirmations;, (2) To issue subpoenas, subpoenas duces tecum, and protective orders, as authorized by this part, and to quash or modify any such subpoenas and orders;, (3) To receive relevant evidence and to rule upon the admission of evidence and offers of proof;, (4) To take or cause depositions to be taken as authorized by this subpart; , (5) To regulate the course of the hearing and the conduct of the parties and their counsel;, (6) To hold scheduling and/or pre-hearing conferences as set forth in \u00a7 263.31;, (7) To consider and rule upon all procedural and other motions appropriate in an adjudicatory proceeding, provided that only the Board shall have the power to grant any motion to dismiss the proceeding or to decide any other motion that results in a final determination of the merits of the proceeding; , (8) To prepare and present to the Board a recommended decision as provided herein;, (9) To recuse himself or herself by motion made by a party or on his or her own motion; , (10) To establish time, place and manner limitations on the attendance of the public and the media for any public hearing; and, (11) To do all other things necessary and appropriate to discharge the duties of a presiding officer.", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["263"], "part_title": ["PART 263 - RULES OF PRACTICE FOR HEARINGS"], "section": ["263.5"], "section_title": ["\u00a7 263.5 Authority of the administrative law judge."]}}
+{"text": "(a) Authority. This part is issued by the Board of Governors of the Federal Reserve System (the Board) under the authority of section 2(c)(2)(E) of the Commodity Exchange Act (7 U.S.C. 2(c)(2)(E)), sections 9 and 11 of the Federal Reserve Act (12 U.S.C. 321-338 and 248), section 5(b) of the Bank Holding Company Act of 1956 (12 U.S.C. 1844(b)), sections 9 and 13a of the International Banking Act of 1978 (12 U.S.C. 3106a and 3108), and sections 3(q) and 8 of the Federal Deposit Insurance Act (12 U.S.C. 1813(q) and 1818)., (b) Purpose. This part establishes rules applicable to retail foreign exchange transactions engaged in by banking institutions on or after May 13, 2013., (c) Scope. Except as provided in paragraph (d) of this section, this part applies to banking institutions, as defined in section 240.2(b) of this part, and any branches or offices of those institutions wherever located. This part applies to subsidiaries of banking institutions organized under the laws of the United States or any U.S. state that are not subject to the jurisdiction of another federal regulatory agency authorized to prescribe rules or regulations under section 2(c)(2)(E) of the Commodity Exchange Act (7 U.S.C. (2)(c)(2)(E))., (d) International applicability. Sections 240.3 and 240.5 through 240.16 do not apply to retail foreign exchange transactions between a foreign branch or office of a banking institution and a non-U.S. customer. With respect to those transactions, the foreign branch or office remains subject to any disclosure, recordkeeping, capital, margin, reporting, business conduct, documentation, and other requirements of applicable foreign law.", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["240"], "part_title": ["PART 240 - RETAIL FOREIGN EXCHANGE TRANSACTIONS (REGULATION NN)"], "section": ["240.1"], "section_title": ["\u00a7 240.1 Authority, purpose and scope."]}}
+{"text": "(a)(1) When a creditor agency receives a debtor's request for inspection of agency records, the offset is stayed for 10 calendar days beyond the date set for the record inspection. , (2) When a creditor agency receives a debtor's offer to enter into a repayment agreement, the offset is stayed until the debtor is notified as to whether the proposed agreement is acceptable. , (3) When a review is conducted, the offset is stayed until the creditor agency issues a final written decision. , (b) When offset is stayed, the amount of the debt and the amount of any accrued interest or other charges will be withheld from payments to the debtor. The withheld amounts shall not be applied against the debt until the stay expires. If withheld funds are later determined not to be subject to offset, they will be promptly refunded to the debtor. , (c) If the FCA is the creditor agency and the offset is stayed, the FCA will immediately notify an offsetting agency to withhold the payment pending termination of the stay. ", "meta": {"chapter": ["VI"], "chapter_title": ["CHAPTER VI - FARM CREDIT ADMINISTRATION"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - ADMINISTRATIVE PROVISIONS"], "part": ["608"], "part_title": ["PART 608 - COLLECTION OF CLAIMS OWED THE UNITED STATES"], "section": ["608.826"], "section_title": ["\u00a7 608.826 Stay of offset."]}}
+{"text": "At the written request of a senior examiner or former senior examiner, the Director may waive the post-employment restriction in \u00a7 1212.3 if he or she certifies, in writing, and on a case-by-case basis, that granting a waiver of such restriction does not affect the integrity of the supervisory program of FHFA.", "meta": {"chapter": ["XII"], "chapter_title": ["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"], "part": ["1212"], "part_title": ["PART 1212 - POST-EMPLOYMENT RESTRICTION FOR SENIOR EXAMINERS"], "section": ["1212.4"], "section_title": ["\u00a7 1212.4 Waiver."]}}
+{"text": "(a) Modification procedure. If, prior to or after final disbursement of funds to a project from all funding sources, in order to remedy noncompliance or receive additional subsidy, there is or will be a change in the project that would change the score that the project application received in the AHP funding round in which it was originally scored and approved, had the changed facts been operative at that time, a Bank shall approve in writing a request for a modification to the terms of the approved application, provided that:, (1) The Bank first requests that the project sponsor or owner make a reasonable effort to cure any noncompliance within a reasonable period of time, and the noncompliance could not be cured within a reasonable period of time;, (2) The project, incorporating any such changes, would meet the eligibility requirements of this part;, (3) The application, as reflective of such changes, continues to score high enough to have been approved in the AHP funding round in which the application was originally scored and approved by the Bank, which is as high as the lowest ranking alternate approved for funding by the Bank if the Bank has a written policy to approve alternates for funding; and, (4) There is good cause for the modification, which may not be solely remediation of noncompliance, and the analysis and justification for the modification, including why a cure of noncompliance was not successful or attempted, are documented by the Bank in writing., (b) AHP subsidy increases; no delegation - (1) AHP subsidy increases. A Bank's board of directors may, in its discretion, approve or disapprove requests for modifications involving an increase in AHP subsidy in accordance with the requirements of paragraph (a) of this section., (2) No delegation. The authority to approve or disapprove requests for modifications involving an increase in AHP subsidy shall not be delegated by the Bank's board of directors to Bank officers or other Bank employees.", "meta": {"chapter": ["XII"], "chapter_title": ["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["E"], "subchapter_title": ["SUBCHAPTER E - HOUSING GOALS AND MISSION"], "part": ["1291"], "part_title": ["PART 1291 - FEDERAL HOME LOAN BANKS' AFFORDABLE HOUSING PROGRAM"], "section": ["1291.29"], "section_title": ["\u00a7 1291.29 Modifications of approved AHP applications."]}}
+{"text": "The NCUA issues regulations and guidance as part of its supervisory function. This subpart reiterates the distinctions between regulations and guidance, as stated in the Interagency Statement Clarifying the Role of Supervisory Guidance (Interagency Statement) and provides that the Statement is binding on the NCUA.", "meta": {"chapter": ["VII"], "chapter_title": ["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"], "part": ["791"], "part_title": ["PART 791 - RULES OF NCUA BOARD PROCEDURE; PROMULGATION OF NCUA RULES AND REGULATIONS; PUBLIC OBSERVATION OF NCUA BOARD MEETINGS"], "section": ["791.19"], "section_title": ["\u00a7 791.19 Purpose."]}}
+{"text": "Loans made by each bank and direct lender association shall bear interest at a rate or rates as may be determined by the institution board. The board shall set interest rates or approve individual interest rate changes either on a case-by-case basis or pursuant to an interest rate plan within which management may establish rates. Any interest rate plan shall set loan-pricing policies and objectives, provide guidance regarding the circumstances under which management may adjust rates, and provide the upper and lower limits on management authority. Any interest rate plan adopted shall be reviewed on a continuing basis by the board, as well as in conjunction with its review and approval of the institution's operational and strategic business plan.", "meta": {"chapter": ["VI"], "chapter_title": ["CHAPTER VI - FARM CREDIT ADMINISTRATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - FARM CREDIT SYSTEM"], "part": ["614"], "part_title": ["PART 614 - LOAN POLICIES AND OPERATIONS"], "section": ["614.4155"], "section_title": ["\u00a7 614.4155 Interest rates."]}}
+{"text": "For purposes of this part, the term:, Business relationship means any existing or potential interaction between a person and a regulated entity or the Office of Finance for the provision of goods or services. The term business relationship does not include any interaction between a mortgagor and a regulated entity that directly or indirectly owns, purchased, guarantees, or sold the mortgage., Director means the Director of FHFA or his or her designee., FHFA means the Federal Housing Finance Agency., Office of Finance means the Office of Finance of the Federal Home Loan Bank System., Person means an organization, business entity, or individual that has a business relationship with a regulated entity or the Office of Finance, or that represents the interests of a person that has a business relationship with a regulated entity or the Office of Finance. The term person does not include an individual borrower., Regulated entity means the Federal National Mortgage Association and any affiliate, the Federal Home Loan Mortgage Corporation and any affiliate, and any Federal Home Loan Bank.", "meta": {"chapter": ["XII"], "chapter_title": ["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"], "part": ["1213"], "part_title": ["PART 1213 - OFFICE OF THE OMBUDSMAN"], "section": ["1213.2"], "section_title": ["\u00a7 1213.2 Definitions."]}}
+{"text": "For purposes of calculating risk-weighted assets under subpart D of this part:, (a) Cleared transaction. In order to recognize certain exposures as cleared transactions pursuant to paragraph (1)(ii), (iii), or (iv) of the definition of \u201ccleared transaction\u201d in \u00a7 628.2, the exposures must meet all of the requirements set forth in this paragraph (a)., (1) The offsetting transaction must be identified by the CCP as a transaction for the clearing member client., (2) The collateral supporting the transaction must be held in a manner that prevents the System institution from facing any loss due to an event of default, including from a liquidation, receivership, insolvency, or similar proceeding of either the clearing member or the clearing member's other clients. Omnibus accounts established under 17 CFR parts 190 and 300 satisfy the requirements of this paragraph (a)., (3) The System institution must conduct sufficient legal review to conclude with a well-founded basis (and maintain sufficient written documentation of that legal review) that in the event of a legal challenge (including one resulting from a default or receivership, insolvency, liquidation, or similar proceeding) the relevant court and administrative authorities would find the arrangements of paragraph (a)(2) of this section to be legal, valid, binding and enforceable under the law of the relevant jurisdictions., (4) The offsetting transaction with a clearing member must be transferable under the transaction documents and applicable laws in the relevant jurisdiction(s) to another clearing member should the clearing member default, become insolvent, or enter receivership, insolvency, liquidation, or similar proceedings., (b) Eligible margin loan. In order to recognize an exposure as an eligible margin loan as defined in \u00a7 628.2, a System institution must conduct sufficient legal review to conclude with a well-founded basis (and maintain sufficient written documentation of that legal review) that the agreement underlying the exposure:, (1) Meets the requirements of paragraph (1)(iii) of the definition of \u201celigible margin loan\u201d in \u00a7 628.2; and, (2) Is legal, valid, binding, and enforceable under applicable law in the relevant jurisdictions., (c) Reserved, (d) Qualifying master netting agreement. In order to recognize an agreement as a qualifying master netting agreement as defined in \u00a7 628.2, a System institution must:, (1) Conduct sufficient legal review to conclude with a well-founded basis (and maintain sufficient written documentation of that legal review) that:, (i) The agreement meets the requirements of paragraph (2) of the definition of \u201cqualifying master netting agreement\u201d in \u00a7 628.2; and, (ii) In the event of a legal challenge (including one resulting from default or from receivership, insolvency, liquidation, or similar proceeding) the relevant court and administrative authorities would find the agreement to be legal, valid, binding, and enforceable under the law of the relevant jurisdictions; and, (2) Establish and maintain written procedures to monitor possible changes in relevant law and to ensure that the agreement continues to satisfy the requirements of the definition of \u201cqualifying master netting agreement\u201d in \u00a7 628.2., (e) Repo-style transaction. In order to recognize an exposure as a repo-style transaction as defined in \u00a7 628.2, a System institution must conduct sufficient legal review to conclude with a well-founded basis (and maintain sufficient written documentation of that legal review) that the agreement underlying the exposure:, (1) Meets the requirements of paragraph (3) of the definition of \u201crepo-style transaction\u201d in \u00a7 628.2, and, (2) Is legal, valid, binding, and enforceable under applicable law in the relevant jurisdictions., (f) Failure of a QCCP to satisfy the rule's requirements. If a System institution determines that a CCP ceases to be a QCCP due to the failure of the CCP to satisfy one or more of the requirements set forth in paragraph (2)(i) through (iii) of the definition of a \u201cQCCP\u201d in \u00a7 628.2, the System institution may continue to treat the CCP as a QCCP for up to 3 months following the determination. If the CCP fails to remedy the relevant deficiency within 3 months after the initial determination, or the CCP fails to satisfy the requirements set forth in paragraph (2)(i) through (iii) of the definition of a QCCP continuously for a 3-month period after remedying the relevant deficiency, a System institution may not treat the CCP as a QCCP for the purposes of this part until after the System institution has determined that the CCP has satisfied the requirements in paragraph (2)(i) through (iii) of the definition of a QCCP for 3 continuous months.", "meta": {"chapter": ["VI"], "chapter_title": ["CHAPTER VI - FARM CREDIT ADMINISTRATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - FARM CREDIT SYSTEM"], "part": ["628"], "part_title": ["PART 628 - CAPITAL ADEQUACY OF SYSTEM INSTITUTIONS"], "section": ["628.3"], "section_title": ["\u00a7 628.3 Operational requirements for certain exposures."]}}
+{"text": "(a) Notice and purchase of coverage. If a System institution, or a servicer acting on behalf of the System institution, determines at any time during the term of a designated loan, that the building or mobile home and any personal property securing the designated loan is not covered by flood insurance or is covered by flood insurance in an amount less than the amount required under \u00a7 614.4930, then the System institution, or a servicer acting on its behalf, shall notify the borrower that the borrower should obtain flood insurance, at the borrower's expense, in an amount at least equal to the amount required under \u00a7 614.4930, for the remaining term of the loan. If the borrower fails to obtain flood insurance within 45 days after notification, then the System institution, or its servicer, shall purchase insurance on the borrower's behalf. The System institution, or its servicer, may charge the borrower for the cost of premiums and fees incurred in purchasing the insurance, including premiums or fees incurred for coverage beginning on the date on which flood insurance coverage lapsed or did not provide a sufficient coverage amount., (b) Termination of force-placed insurance - (1) Termination and refund. Within 30 days of receipt by a System institution, or by a servicer acting on its behalf, of a confirmation of a borrower's existing flood insurance coverage, the System institution, or its servicer, shall:, (i) Notify the insurance provider to terminate any insurance purchased by the System institution, or its servicer, under paragraph (a) of this section; and, (ii) Refund to the borrower all premiums paid by the borrower for any insurance purchased by the System institution, or by its servicer, under paragraph (a) of this section during any period during which the borrower's flood insurance coverage and the insurance coverage purchased by the System institution, or its servicer, were each in effect, and any related fees charged to the borrower with respect to the insurance purchased by the System institution, or its servicer, during such period., (2) Sufficiency of demonstration. For purposes of confirming a borrower's existing flood insurance coverage under paragraph (b) of this section, a System institution, or a servicer acting on its behalf, shall accept from the borrower an insurance policy declarations page that includes the existing flood insurance policy number and the identity of, and contact information for, the insurance company or agent.", "meta": {"chapter": ["VI"], "chapter_title": ["CHAPTER VI - FARM CREDIT ADMINISTRATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - FARM CREDIT SYSTEM"], "part": ["614"], "part_title": ["PART 614 - LOAN POLICIES AND OPERATIONS"], "section": ["614.4945"], "section_title": ["\u00a7 614.4945 Force placement of flood insurance."]}}
+{"text": "(a) Scope of indemnity. (1) A bank that transfers, presents, or returns a substitute check or a paper or electronic representation of a substitute check for which it receives consideration shall indemnify the recipient and any subsequent recipient (including a collecting or returning bank, the depositary bank, the drawer, the drawee, the payee, the depositor, and any indorser) for any loss incurred by any recipient of a substitute check if that loss occurred due to the receipt of a substitute check instead of the original check., (2) A bank that rejects a check submitted for deposit and returns to its customer a substitute check (or a paper or electronic representation of a substitute check) shall indemnify the recipient as described in paragraph (a)(1) of this section regardless of whether the bank received consideration., (b) Indemnity amount - (1) In general. Unless otherwise indicated by paragraph (b)(2) or (b)(3) of this section, the amount of the indemnity under paragraph (a) of this section is as follows:, (i) If the loss resulted from a breach of a substitute check warranty provided under \u00a7 229.52, the amount of the indemnity shall be the amount of any loss (including interest, costs, reasonable attorney's fees, and other expenses of representation) proximately caused by the warranty breach., (ii) If the loss did not result from a breach of a substitute check warranty provided under \u00a7 229.52, the amount of the indemnity shall be the sum of - , (A) The amount of the loss, up to the amount of the substitute check; and, (B) Interest and expenses (including costs and reasonable attorney's fees and other expenses of representation) related to the substitute check., (2) Comparative negligence. (i) If a loss described in paragraph (a) of this section results in whole or in part from the indemnified person's negligence or failure to act in good faith, then the indemnity amount described in paragraph (b)(1) of this section shall be reduced in proportion to the amount of negligence or bad faith attributable to the indemnified person., (ii) Nothing in this paragraph (b)(2) reduces the rights of a consumer or any other person under the U.C.C. or other applicable provision of state or federal law., (3) Effect of producing the original check or a sufficient copy - , (i) If an indemnifying bank produces the original check or a sufficient copy, the indemnifying bank shall - , (A) Be liable under this section only for losses that are incurred up to the time that the bank provides that original check or sufficient copy to the indemnified person; and, (B) Have a right to the return of any funds it has paid under this section in excess of those losses., (ii) The production by the indemnifying bank of the original check or a sufficient copy under paragraph (b)(3)(i) of this section shall not absolve the indemnifying bank from any liability under any warranty that the bank has provided under \u00a7 229.52 or other applicable law., (c) Subrogation of rights - (1) In general. An indemnifying bank shall be subrogated to the rights of the person that it indemnifies to the extent of the indemnity it has provided and may attempt to recover from another person based on a warranty or other claim., (2) Duty of indemnified person for subrogated claims. Each indemnified person shall have a duty to comply with all reasonable requests for assistance from an indemnifying bank in connection with any claim the indemnifying bank brings against a warrantor or other person related to a check that forms the basis for the indemnification. ", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["229"], "part_title": ["PART 229 - AVAILABILITY OF FUNDS AND COLLECTION OF CHECKS (REGULATION CC)"], "section": ["229.53"], "section_title": ["\u00a7 229.53 Substitute check indemnity."]}}
+{"text": "(a) Notice of intent to issue directive - (1) In general. The FDIC shall provide an undercapitalized, significantly undercapitalized, or critically undercapitalized FDIC-supervised institution prior written notice of the FDIC's intention to issue a directive requiring such FDIC-supervised institution to take actions or to follow proscriptions described in section 38 that are within the FDIC's discretion to require or impose under section 38 of the FDI Act, including section 38 (e)(5), (f)(2), (f)(3), or (f)(5). The FDIC-supervised institution shall have such time to respond to a proposed directive as provided by the FDIC under paragraph (c) of this section., (2) Immediate issuance of final directive. If the FDIC finds it necessary in order to carry out the purposes of section 38 of the FDI Act, the FDIC may, without providing the notice prescribed in paragraph (a)(1) of this section, issue a directive requiring an FDIC-supervised institution immediately to take actions or to follow proscriptions described in section 38 that are within the FDIC's discretion to require or impose under section 38 of the FDI Act, including section 38 (e)(5), (f)(2), (f)(3), or (f)(5). An FDIC-supervised institution that is subject to such an immediately effective directive may submit a written appeal of the directive to the FDIC. Such an appeal must be received by the FDIC within 14 calendar days of the issuance of the directive, unless the FDIC permits a longer period. The FDIC shall consider any such appeal, if filed in a timely matter, within 60 days of receiving the appeal. During such period of review, the directive shall remain in effect unless the FDIC, in its sole discretion, stays the effectiveness of the directive., (b) Contents of notice. A notice of intention to issue a directive shall include:, (1) A statement of the FDIC-supervised institution's capital measures and capital levels;, (2) A description of the restrictions, prohibitions, or affirmative actions that the FDIC proposes to impose or require;, (3) The proposed date when such restrictions or prohibitions would be effective or the proposed date for completion of such affirmative actions; and, (4) The date by which the FDIC-supervised institution subject to the directive may file with the FDIC a written response to the notice., (c) Response to notice - (1) Time for response. An FDIC-supervised institution may file a written response to a notice of intent to issue a directive within the time period set by the FDIC. The date shall be at least 14 calendar days from the date of the notice unless the FDIC determines that a shorter period is appropriate in light of the financial condition of the FDIC-supervised institution or other relevant circumstances., (2) Content of response. The response should include:, (i) An explanation why the action proposed by the FDIC is not an appropriate exercise of discretion under section 38;, (ii) Any recommended modification of the proposed directive; and, (iii) Any other relevant information, mitigating circumstances, documentation, or other evidence in support of the position of the FDIC-supervised institution regarding the proposed directive., (d) FDIC consideration of response. After considering the response, the FDIC may:, (1) Issue the directive as proposed or in modified form;, (2) Determine not to issue the directive and so notify the FDIC-supervised institution; or, (3) Seek additional information or clarification of the response from the FDIC-supervised institution or any other relevant source., (e) Failure to file response. Failure by an FDIC-supervised institution to file with the FDIC, within the specified time period, a written response to a proposed directive shall constitute a waiver of the opportunity to respond and shall constitute consent to the issuance of the directive., (f) Request for modification or rescission of directive. Any FDIC-supervised institution that is subject to a directive under this subpart may, upon a change in circumstances, request in writing that the FDIC reconsider the terms of the directive and may propose that the directive be rescinded or modified. Unless otherwise ordered by the FDIC, the directive shall continue in place while such request is pending before the FDIC.", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"], "part": ["308"], "part_title": ["PART 308 - RULES OF PRACTICE AND PROCEDURE"], "section": ["308.201"], "section_title": ["\u00a7 308.201 Directives to take prompt corrective action."]}}
+{"text": "(a) In general. A financial holding company may not, without Board approval, directly or indirectly acquire any additional shares, assets or ownership interests under this subpart or make any additional capital contribution to any company the shares, assets or ownership interests of which are held by the financial holding company under this subpart if the aggregate carrying value of all merchant banking investments held by the financial holding company under this subpart exceeds: , (1) 30 percent of the Tier 1 capital of the financial holding company; or , (2) After excluding interests in private equity funds, 20 percent of the Tier 1 capital of the financial holding company. , (b) How do these thresholds apply to a private equity fund? Paragraph (a) of this section applies to the interest acquired or controlled by the financial holding company under this subpart in a private equity fund. Paragraph (a) of this section does not apply to any interest in a company held by a private equity fund or to any interest held by a person that is not affiliated with the financial holding company. , (c) How long do these thresholds remain in effect? This \u00a7 225.174 shall cease to be effective on the date that a final rule issued by the Board that specifically addresses the appropriate regulatory capital treatment of merchant banking investments becomes effective. , (d) Qualifying community banking organizations. For purposes of this section, a financial holding company that is a qualifying community banking organization (as defined in \u00a7 217.12 of this chapter) that is subject to the community bank leverage ratio framework (as defined in \u00a7 217.12 of this chapter) calculates its Tier 1 capital (as defined in \u00a7 217.2 of this chapter) in accordance with \u00a7 217.12(b) of this chapter.", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["225"], "part_title": ["PART 225 - BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y)"], "section": ["225.174"], "section_title": ["\u00a7 225.174 What aggregate thresholds apply to merchant banking investments?"]}}
+{"text": "(a) Trading positions - (1) Identification of trading positions. An FDIC-supervised institution must have clearly defined policies and procedures for determining which of its trading assets and trading liabilities are trading positions and which of its trading positions are correlation trading positions. These policies and procedures must take into account:, (i) The extent to which a position, or a hedge of its material risks, can be marked-to-market daily by reference to a two-way market; and, (ii) Possible impairments to the liquidity of a position or its hedge., (2) Trading and hedging strategies. An FDIC-supervised institution must have clearly defined trading and hedging strategies for its trading positions that are approved by senior management of the FDIC-supervised institution., (i) The trading strategy must articulate the expected holding period of, and the market risk associated with, each portfolio of trading positions., (ii) The hedging strategy must articulate for each portfolio of trading positions the level of market risk the FDIC-supervised institution is willing to accept and must detail the instruments, techniques, and strategies the FDIC-supervised institution will use to hedge the risk of the portfolio., (b) Management of covered positions - (1) Active management. An FDIC-supervised institution must have clearly defined policies and procedures for actively managing all covered positions. At a minimum, these policies and procedures must require:, (i) Marking positions to market or to model on a daily basis;, (ii) Daily assessment of the FDIC-supervised institution's ability to hedge position and portfolio risks, and of the extent of market liquidity;, (iii) Establishment and daily monitoring of limits on positions by a risk control unit independent of the trading business unit;, (iv) Daily monitoring by senior management of information described in paragraphs (b)(1)(i) through (b)(1)(iii) of this section;, (v) At least annual reassessment of established limits on positions by senior management; and, (vi) At least annual assessments by qualified personnel of the quality of market inputs to the valuation process, the soundness of key assumptions, the reliability of parameter estimation in pricing models, and the stability and accuracy of model calibration under alternative market scenarios., (2) Valuation of covered positions. The FDIC-supervised institution must have a process for prudent valuation of its covered positions that includes policies and procedures on the valuation of positions, marking positions to market or to model, independent price verification, and valuation adjustments or reserves. The valuation process must consider, as appropriate, unearned credit spreads, close-out costs, early termination costs, investing and funding costs, liquidity, and model risk., (c) Requirements for internal models. (1) An FDIC-supervised institution must obtain the prior written approval of the FDIC before using any internal model to calculate its risk-based capital requirement under this subpart., (2) An FDIC-supervised institution must meet all of the requirements of this section on an ongoing basis. The FDIC-supervised institution must promptly notify the FDIC when:, (i) The FDIC-supervised institution plans to extend the use of a model that the FDIC has approved under this subpart to an additional business line or product type;, (ii) The FDIC-supervised institution makes any change to an internal model approved by the FDIC under this subpart that would result in a material change in the FDIC-supervised institution's risk-weighted asset amount for a portfolio of covered positions; or, (iii) The FDIC-supervised institution makes any material change to its modeling assumptions., (3) The FDIC may rescind its approval of the use of any internal model (in whole or in part) or of the determination of the approach under \u00a7 324.209(a)(2)(ii) for an FDIC-supervised institution's modeled correlation trading positions and determine an appropriate capital requirement for the covered positions to which the model would apply, if the FDIC determines that the model no longer complies with this subpart or fails to reflect accurately the risks of the FDIC-supervised institution's covered positions., (4) The FDIC-supervised institution must periodically, but no less frequently than annually, review its internal models in light of developments in financial markets and modeling technologies, and enhance those models as appropriate to ensure that they continue to meet the FDIC's standards for model approval and employ risk measurement methodologies that are most appropriate for the FDIC-supervised institution's covered positions., (5) The FDIC-supervised institution must incorporate its internal models into its risk management process and integrate the internal models used for calculating its VaR-based measure into its daily risk management process., (6) The level of sophistication of an FDIC-supervised institution's internal models must be commensurate with the complexity and amount of its covered positions. An FDIC-supervised institution's internal models may use any of the generally accepted approaches, including but not limited to variance-covariance models, historical simulations, or Monte Carlo simulations, to measure market risk., (7) The FDIC-supervised institution's internal models must properly measure all the material risks in the covered positions to which they are applied., (8) The FDIC-supervised institution's internal models must conservatively assess the risks arising from less liquid positions and positions with limited price transparency under realistic market scenarios., (9) The FDIC-supervised institution must have a rigorous and well-defined process for re-estimating, re-evaluating, and updating its internal models to ensure continued applicability and relevance., (10) If an FDIC-supervised institution uses internal models to measure specific risk, the internal models must also satisfy the requirements in paragraph (b)(1) of \u00a7 324.207., (d) Control, oversight, and validation mechanisms. (1) The FDIC-supervised institution must have a risk control unit that reports directly to senior management and is independent from the business trading units., (2) The FDIC-supervised institution must validate its internal models initially and on an ongoing basis. The FDIC-supervised institution's validation process must be independent of the internal models' development, implementation, and operation, or the validation process must be subjected to an independent review of its adequacy and effectiveness. Validation must include:, (i) An evaluation of the conceptual soundness of (including developmental evidence supporting) the internal models;, (ii) An ongoing monitoring process that includes verification of processes and the comparison of the FDIC-supervised institution's model outputs with relevant internal and external data sources or estimation techniques; and, (iii) An outcomes analysis process that includes backtesting. For internal models used to calculate the VaR-based measure, this process must include a comparison of the changes in the FDIC-supervised institution's portfolio value that would have occurred were end-of-day positions to remain unchanged (therefore, excluding fees, commissions, reserves, net interest income, and intraday trading) with VaR-based measures during a sample period not used in model development., (3) The FDIC-supervised institution must stress test the market risk of its covered positions at a frequency appropriate to each portfolio, and in no case less frequently than quarterly. The stress tests must take into account concentration risk (including but not limited to concentrations in single issuers, industries, sectors, or markets), illiquidity under stressed market conditions, and risks arising from the FDIC-supervised institution's trading activities that may not be adequately captured in its internal models., (4) The FDIC-supervised institution must have an internal audit function independent of business-line management that at least annually assesses the effectiveness of the controls supporting the FDIC-supervised institution's market risk measurement systems, including the activities of the business trading units and independent risk control unit, compliance with policies and procedures, and calculation of the FDIC-supervised institution's measures for market risk under this subpart. At least annually, the internal audit function must report its findings to the FDIC-supervised institution's board of directors (or a committee thereof)., (e) Internal assessment of capital adequacy. The FDIC-supervised institution must have a rigorous process for assessing its overall capital adequacy in relation to its market risk. The assessment must take into account risks that may not be captured fully in the VaR-based measure, including concentration and liquidity risk under stressed market conditions., (f) Documentation. The FDIC-supervised institution must adequately document all material aspects of its internal models, management and valuation of covered positions, control, oversight, validation and review processes and results, and internal assessment of capital adequacy.", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"], "part": ["324"], "part_title": ["PART 324 - CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS"], "section": ["324.203"], "section_title": ["\u00a7 324.203 Requirements for application of this subpart F."]}}
+{"text": "Each Reorganization Plan shall contain a complete description of all significant terms of the proposed reorganization, shall attach and incorporate any Stock Issuance Plan proposed in connection with the Reorganization Plan, and shall:, (a) Provide for amendment of the charter and bylaws of the reorganizing association to read in the form of the charter and bylaws of a mutual holding company, and attach and incorporate such charter and bylaws;, (b) Provide for the organization of the resulting association, which shall be an interim federal or state subsidiary savings association of the reorganizing association, and attach and incorporate the proposed charter and bylaws of such association;, (c) If the reorganizing association proposes to form a subsidiary holding company, provide for the organization of a subsidiary holding company and attach and incorporate the proposed charter and bylaws of such subsidiary holding company., (d) Provide for amendment of the charter and bylaws of any acquiree association to read in the form of the charter and bylaws of a state or federal savings association in the stock form, and attach and incorporate such charter and bylaws;, (e) Provide that, upon consummation of the reorganization, substantially all of the assets and liabilities (including all savings accounts, demand accounts, tax and loan accounts, United States Treasury General Accounts, or United States Treasury Time Deposit Open Accounts, as those terms are defined in this part) of the reorganizing association shall be transferred to the resulting association, which shall thereupon become an operating subsidiary savings association of the mutual holding company;, (f) Provide that all assets, rights, obligations, and liabilities of whatever nature of the reorganizing association that are not expressly retained by the mutual holding company shall be deemed transferred to the resulting association;, (g) Provide that each depositor in the reorganizing association or any acquiree association immediately prior to the reorganization shall upon consummation of the reorganization receive, without payment, an identical account in the resulting association or the acquiree association, as the case may be (Appropriate modifications should be made to this provision if savings associations are being merged as a part of the reorganization);, (h) Provide that the Reorganization Plan as adopted by the boards of directors of the reorganizing association and any acquiree association may be substantively amended by those boards of directors as a result of comments from regulatory authorities or otherwise prior to the solicitation of proxies from the members of the reorganizing association and any acquiree association to vote on the Reorganization Plan and at any time thereafter with the concurrence of the Board; and that the reorganization may be terminated by the board of directors of the reorganizing association or any acquiree association at any time prior to the meeting of the members of the association called to consider the Reorganization Plan and at any time thereafter with the concurrence of the Board;, (i) Provide that the Reorganization Plan shall be terminated if not completed within a specified period of time (The time period shall not be more than 24 months from the date upon which the members of the reorganizing association or the date upon which the members of any acquiree association, whichever is earlier, approve the Reorganization Plan and may not be extended by the reorganizing or acquiree association); and, (j) Provide that the expenses incurred in connection with the reorganization shall be reasonable.", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["239"], "part_title": ["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"], "section": ["239.6"], "section_title": ["\u00a7 239.6 Contents of Reorganization Plans."]}}
+{"text": "(a) Notification requirements. An FDIC-supervised institution must notify the FDIC no later than 10 business days, or such other period as the FDIC may otherwise require by written notice, following the date that any event has occurred that would cause or has caused the FDIC-supervised institution's net stable funding ratio to be less than 1.0 as required under \u00a7 329.100., (b) Liquidity Plan. (1) An FDIC-supervised institution must within 10 business days, or such other period as the FDIC may otherwise require by written notice, provide to the FDIC a plan for achieving a net stable funding ratio equal to or greater than 1.0 as required under \u00a7 329.100 if:, (i) The FDIC-supervised institution has or should have provided notice, pursuant to \u00a7329.110(a), that the FDIC-supervised institution's net stable funding ratio is, or will become, less than 1.0 as required under \u00a7 329.100;, (ii) The FDIC-supervised institution's reports or disclosures to the FDIC indicate that the FDIC-supervised institution's net stable funding ratio is less than 1.0 as required under \u00a7 329.100; or, (iii) The FDIC notifies the FDIC-supervised institution in writing that a plan is required and provides a reason for requiring such a plan., (2) The plan must include, as applicable:, (i) An assessment of the FDIC-supervised institution's liquidity profile;, (ii) The actions the FDIC-supervised institution has taken and will take to achieve a net stable funding ratio equal to or greater than 1.0 as required under \u00a7 329.100, including:, (A) A plan for adjusting the FDIC-supervised institution's liquidity profile;, (B) A plan for remediating any operational or management issues that contributed to noncompliance with subpart K of this part; and, (iii) An estimated time frame for achieving full compliance with \u00a7 329.100., (3) The FDIC-supervised institution must report to the FDIC at least monthly, or such other frequency as required by the FDIC, on progress to achieve full compliance with \u00a7 329.100., (c) Supervisory and enforcement actions. The FDIC may, at its discretion, take additional supervisory or enforcement actions to address noncompliance with the minimum net stable funding ratio and other requirements of subparts K through N of this part (see also \u00a7 329.2(c)).", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"], "part": ["329"], "part_title": ["PART 329 - LIQUIDITY RISK MEASUREMENT STANDARDS"], "section": ["329.110"], "section_title": ["\u00a7 329.110 NSFR shortfall: Supervisory framework."]}}
+{"text": "For purposes of this part: , (a) Minority has the same meaning as defined by the Small Business Administration at 13 CFR 124.103(b). , (b) Legal Services means all services provided by attorneys or law firms (including services of support staff). ", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"], "part": ["361"], "part_title": ["PART 361 - MINORITY AND WOMEN OUTREACH PROGRAM CONTRACTING"], "section": ["361.3"], "section_title": ["\u00a7 361.3 Who may participate in this outreach program?"]}}
+{"text": "(a) The Directorate proposes a budget. By November 15 of each year, the Directorate must approve and submit to the Secretary a proposed budget for the administrative expenses of the Funding Corporation for the following year. , (b) The Secretary approves the budget. The Funding Corporation's budget is subject to the Secretary's prior approval. The proposed budget submitted by the Directorate shall be deemed to be approved by the Secretary unless the Secretary disapproves it within 45 days of the date submitted. The Funding Corporation must transmit a copy of the approved budget to each Bank. , (c) Budget changes must be approved by the Secretary. If the Funding Corporation projects or anticipates incurring expenses exceeding its approved budget, the Directorate must submit an amended budget to the Secretary for approval. , (d) The Funding Corporation collects funds from the Banks to pay its administrative expenses. At least semiannually, the Funding Corporation must request that each Bank submit within 10 business days of the request payment for a portion of the administrative expenses in the Funding Corporation's budget for the current calendar year. The amount of each Bank's payment must be pro rated according to the percentage of the total outstanding Funding Corporation capital stock owned by the Bank. The Funding Corporation must adjust the amount of each Bank's payment as necessary to reflect differences between aggregate projected and actual administrative expenses incurred during the calendar year and to reflect any changes in estimated aggregate administrative expenses for the coming period. The Funding Corporation must not request payments from the Banks that, in the aggregate, exceed the administrative expenses in the Funding Corporation's approved budget. ", "meta": {"chapter": ["XV"], "chapter_title": ["CHAPTER XV - DEPARTMENT OF THE TREASURY"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - RESOLUTION FUNDING CORPORATION"], "part": ["1510"], "part_title": ["PART 1510 - RESOLUTION FUNDING CORPORATION OPERATIONS"], "section": ["1510.3"], "section_title": ["\u00a7 1510.3 How does the Funding Corporation pay administrative expenses?"]}}
+{"text": "(a) Authority. Subpart D of Regulation H (12 CFR part 208, Subpart D) is issued by the Board of Governors of the Federal Reserve System (Board) under section 38 (section 38) of the FDI Act as added by section 131 of the Federal Deposit Insurance Corporation Improvement Act of 1991 (Pub. L. 102-242, 105 Stat. 2236 (1991)) (12 U.S.C. 1831o)., (b) Purpose and scope. This subpart D defines the capital measures and capital levels that are used for determining the supervisory actions authorized under section 38 of the FDI Act. (Section 38 of the FDI Act establishes a framework of supervisory actions for insured depository institutions that are not adequately capitalized.) This subpart also establishes procedures for submission and review of capital restoration plans and for issuance and review of directives and orders pursuant to section 38. Certain of the provisions of this subpart apply to officers, directors, and employees of state member banks. Other provisions apply to any company that controls a member bank and to the affiliates of the member bank., (c) Other supervisory authority. Neither section 38 nor this subpart in any way limits the authority of the Board under any other provision of law to take supervisory actions to address unsafe or unsound practices or conditions, deficient capital levels, violations of law, or other practices. Action under section 38 of the FDI Act and this subpart may be taken independently of, in conjunction with, or in addition to any other enforcement action available to the Board, including issuance of cease and desist orders, capital directives, approval or denial of applications or notices, assessment of civil money penalties, or any other actions authorized by law., (d) Disclosure of capital categories. The assignment of a bank under this subpart within a particular capital category is for purposes of implementing and applying the provisions of section 38. Unless permitted by the Board or otherwise required by law, no bank may state in any advertisement or promotional material its capital category under this subpart or that the Board or any other Federal banking agency has assigned the bank to a particular capital category., (e) Timing. The calculation of the definitions of common equity tier 1 capital, the common equity tier 1 risk-based capital ratio, the leverage ratio, the supplementary leverage ratio, tangible equity, tier 1 capital, the tier 1 risk-based capital ratio, total assets, total leverage exposure, the total risk-based capital ratio, and total risk-weighted assets under this subpart is subject to the timing provisions at 12 CFR 217.1(f) and the transitions at 12 CFR part 217, subpart G.", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"], "part": ["208"], "part_title": ["PART 208 - MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H)"], "section": ["208.40"], "section_title": ["\u00a7 208.40 Authority, purpose, scope, other supervisory authority, and disclosure of capital categories."]}}
+{"text": "(a) Sovereign exposures - (1) Exposures to the U.S. government. (i) Notwithstanding any other requirement in this subpart, an FDIC-supervised institution must assign a zero percent risk weight to:, (A) An exposure to the U.S. government, its central bank, or a U.S. government agency; and, (B) The portion of an exposure that is directly and unconditionally guaranteed by the U.S. government, its central bank, or a U.S. government agency. This includes a deposit or other exposure, or the portion of a deposit or other exposure, that is insured or otherwise unconditionally guaranteed by the FDIC or National Credit Union Administration., (ii) An FDIC-supervised institution must assign a 20 percent risk weight to the portion of an exposure that is conditionally guaranteed by the U.S. government, its central bank, or a U.S. government agency. This includes an exposure, or the portion of an exposure, that is conditionally guaranteed by the FDIC or National Credit Union Administration., (iii) An FDIC-supervised institution must assign a zero percent risk weight to a Paycheck Protection Program covered loan as defined in section 7(a)(36) of the Small Business Act (15 U.S.C. 636(a)(36))., (2) Other sovereign exposures. In accordance with Table 1 to \u00a7 324.32, an FDIC-supervised institution must assign a risk weight to a sovereign exposure based on the CRC applicable to the sovereign or the sovereign's OECD membership status if there is no CRC applicable to the sovereign., Table 1 to \u00a7 324.32 - Risk Weights for Sovereign Exposures, (3) Certain sovereign exposures. Notwithstanding paragraph (a)(2) of this section, an FDIC-supervised institution may assign to a sovereign exposure a risk weight that is lower than the applicable risk weight in Table 1 to \u00a7 324.32 if:, (i) The exposure is denominated in the sovereign's currency;, (ii) The FDIC-supervised institution has at least an equivalent amount of liabilities in that currency; and, (iii) The risk weight is not lower than the risk weight that the home country supervisor allows FDIC-supervised institutions under its jurisdiction to assign to the same exposures to the sovereign., (4) Exposures to a non-OECD member sovereign with no CRC. Except as provided in paragraphs (a)(3), (a)(5) and (a)(6) of this section, an FDIC-supervised institution must assign a 100 percent risk weight to an exposure to a sovereign if the sovereign does not have a CRC., (5) Exposures to an OECD member sovereign with no CRC. Except as provided in paragraph (a)(6) of this section, an FDIC-supervised institution must assign a 0 percent risk weight to an exposure to a sovereign that is a member of the OECD if the sovereign does not have a CRC., (6) Sovereign default. An FDIC-supervised institution must assign a 150 percent risk weight to a sovereign exposure immediately upon determining that an event of sovereign default has occurred, or if an event of sovereign default has occurred during the previous five years., (b) Certain supranational entities and multilateral development banks (MDBs). An FDIC-supervised institution must assign a zero percent risk weight to an exposure to the Bank for International Settlements, the European Central Bank, the European Commission, the International Monetary Fund, the European Stability Mechanism, the European Financial Stability Facility, or an MDB., (c) Exposures to GSEs. (1) An FDIC-supervised institution must assign a 20 percent risk weight to an exposure to a GSE other than an equity exposure or preferred stock., (2) An FDIC-supervised institution must assign a 100 percent risk weight to preferred stock issued by a GSE., (d) Exposures to depository institutions, foreign banks, and credit unions - (1) Exposures to U.S. depository institutions and credit unions. An FDIC-supervised institution must assign a 20 percent risk weight to an exposure to a depository institution or credit union that is organized under the laws of the United States or any state thereof, except as otherwise provided under paragraph (d)(3) of this section., (2) Exposures to foreign banks. (i) Except as otherwise provided under paragraphs (d)(2)(iii), (d)(2)(v), and (d)(3) of this section, an FDIC-supervised institution must assign a risk weight to an exposure to a foreign bank, in accordance with Table 2 to \u00a7 324.32, based on the CRC that corresponds to the foreign bank's home country or the OECD membership status of the foreign bank's home country if there is no CRC applicable to the foreign bank's home country.,
Table 2 to \u00a7 324.32 - Risk Weights for Exposures to Foreign Banks, (ii) An FDIC-supervised institution must assign a 20 percent risk weight to an exposure to a foreign bank whose home country is a member of the OECD and does not have a CRC., (iii) An FDIC-supervised institution must assign a 20 percent risk-weight to an exposure that is a self-liquidating, trade-related contingent item that arises from the movement of goods and that has a maturity of three months or less to a foreign bank whose home country has a CRC of 0, 1, 2, or 3, or is an OECD member with no CRC., (iv) An FDIC-supervised institution must assign a 100 percent risk weight to an exposure to a foreign bank whose home country is not a member of the OECD and does not have a CRC, with the exception of self-liquidating, trade-related contingent items that arise from the movement of goods, and that have a maturity of three months or less, which may be assigned a 20 percent risk weight., (v) An FDIC-supervised institution must assign a 150 percent risk weight to an exposure to a foreign bank immediately upon determining that an event of sovereign default has occurred in the bank's home country, or if an event of sovereign default has occurred in the foreign bank's home country during the previous five years., (3) An FDIC-supervised institution must assign a 100 percent risk weight to an exposure to a financial institution if the exposure may be included in that financial institution's capital unless the exposure is:, (i) An equity exposure;, (ii) A significant investment in the capital of an unconsolidated financial institution in the form of common stock pursuant to \u00a7 324.22(d)(2)(i)(c);, (iii) Deducted from regulatory capital under \u00a7 324.22; or, (iv) Subject to a 150 percent risk weight under paragraph (d)(2)(iv) or Table 2 of paragraph (d)(2) of this section., (e) Exposures to public sector entities (PSEs) - (1) Exposures to U.S. PSEs. (i) An FDIC-supervised institution must assign a 20 percent risk weight to a general obligation exposure to a PSE that is organized under the laws of the United States or any state or political subdivision thereof., (ii) An FDIC-supervised institution must assign a 50 percent risk weight to a revenue obligation exposure to a PSE that is organized under the laws of the United States or any state or political subdivision thereof., (2) Exposures to foreign PSEs. (i) Except as provided in paragraphs (e)(1) and (e)(3) of this section, an FDIC-supervised institution must assign a risk weight to a general obligation exposure to a PSE, in accordance with Table 3 to \u00a7 324.32, based on the CRC that corresponds to the PSE's home country or the OECD membership status of the PSE's home country if there is no CRC applicable to the PSE's home country., (ii) Except as provided in paragraphs (e)(1) and (e)(3) of this section, an FDIC-supervised institution must assign a risk weight to a revenue obligation exposure to a PSE, in accordance with Table 4 to \u00a7 324.32, based on the CRC that corresponds to the PSE's home country; or the OECD membership status of the PSE's home country if there is no CRC applicable to the PSE's home country., (3) An FDIC-supervised institution may assign a lower risk weight than would otherwise apply under Tables 3 or 4 to \u00a7 324.32 to an exposure to a foreign PSE if:, (i) The PSE's home country supervisor allows banks under its jurisdiction to assign a lower risk weight to such exposures; and, (ii) The risk weight is not lower than the risk weight that corresponds to the PSE's home country in accordance with Table 1 to \u00a7 324.32.,
Table 3 to \u00a7 324.32 - Risk Weights for non-U.S. PSE General Obligations,
Table 4 to \u00a7 324.32 - Risk Weights for non-U.S. PSE Revenue Obligations, (4) Exposures to PSEs from an OECD member sovereign with no CRC. (i) An FDIC-supervised institution must assign a 20 percent risk weight to a general obligation exposure to a PSE whose home country is an OECD member sovereign with no CRC., (ii) An FDIC-supervised institution must assign a 50 percent risk weight to a revenue obligation exposure to a PSE whose home country is an OECD member sovereign with no CRC., (5) Exposures to PSEs whose home country is not an OECD member sovereign with no CRC. An FDIC-supervised institution must assign a 100 percent risk weight to an exposure to a PSE whose home country is not a member of the OECD and does not have a CRC., (6) An FDIC-supervised institution must assign a 150 percent risk weight to a PSE exposure immediately upon determining that an event of sovereign default has occurred in a PSE's home country or if an event of sovereign default has occurred in the PSE's home country during the previous five years., (f) Corporate exposures. (1) An FDIC-supervised institution must assign a 100 percent risk weight to all its corporate exposures, except as provided in paragraphs (f)(2) and (f)(3) of this section., (2) A FDIC-supervised institution must assign a 2 percent risk weight to an exposure to a QCCP arising from the FDIC-supervised institution posting cash collateral to the QCCP in connection with a cleared transaction that meets the requirements of \u00a7 324.35(b)(3)(i)(A) and a 4 percent risk weight to an exposure to a QCCP arising from the FDIC-supervised institution posting cash collateral to the QCCP in connection with a cleared transaction that meets the requirements of \u00a7 324.35(b)(3)(i)(B)., (3) A FDIC-supervised institution must assign a 2 percent risk weight to an exposure to a QCCP arising from the FDIC-supervised institution posting cash collateral to the QCCP in connection with a cleared transaction that meets the requirements of \u00a7 324.35(c)(3)(i)., (g) Residential mortgage exposures. (1) An FDIC-supervised institution must assign a 50 percent risk weight to a first-lien residential mortgage exposure that:, (i) Is secured by a property that is either owner-occupied or rented;, (ii) Is made in accordance with prudent underwriting standards, including standards relating to the loan amount as a percent of the appraised value of the property;, (iii) Is not 90 days or more past due or carried in nonaccrual status; and, (iv) Is not restructured or modified., (2) An FDIC-supervised institution must assign a 100 percent risk weight to a first-lien residential mortgage exposure that does not meet the criteria in paragraph (g)(1) of this section, and to junior-lien residential mortgage exposures., (3) For the purpose of this paragraph (g), if an FDIC-supervised institution holds the first-lien and junior-lien(s) residential mortgage exposures, and no other party holds an intervening lien, the FDIC-supervised institution must combine the exposures and treat them as a single first-lien residential mortgage exposure., (4) A loan modified or restructured solely pursuant to the U.S. Treasury's Home Affordable Mortgage Program is not modified or restructured for purposes of this section., (h) Pre-sold construction loans. An FDIC-supervised institution must assign a 50 percent risk weight to a pre-sold construction loan unless the purchase contract is cancelled, in which case an FDIC-supervised institution must assign a 100 percent risk weight., (i) Statutory multifamily mortgages. An FDIC-supervised institution must assign a 50 percent risk weight to a statutory multifamily mortgage., (j) High-volatility commercial real estate (HVCRE) exposures. An FDIC-supervised institution must assign a 150 percent risk weight to an HVCRE exposure., (k) Past due exposures. Except for an exposure to a sovereign entity or a residential mortgage exposure or a policy loan, if an exposure is 90 days or more past due or on nonaccrual:, (1) An FDIC-supervised institution must assign a 150 percent risk weight to the portion of the exposure that is not guaranteed or that is unsecured;, (2) An FDIC-supervised institution may assign a risk weight to the guaranteed portion of a past due exposure based on the risk weight that applies under \u00a7 324.36 if the guarantee or credit derivative meets the requirements of that section; and, (3) An FDIC-supervised institution may assign a risk weight to the collateralized portion of a past due exposure based on the risk weight that applies under \u00a7 324.37 if the collateral meets the requirements of that section., (l) Other assets. (1) An FDIC-supervised institution must assign a zero percent risk weight to cash owned and held in all offices of the FDIC-supervised institution or in transit; to gold bullion held in the FDIC-supervised institution's own vaults or held in another depository institution's vaults on an allocated basis, to the extent the gold bullion assets are offset by gold bullion liabilities; and to exposures that arise from the settlement of cash transactions (such as equities, fixed income, spot foreign exchange and spot commodities) with a central counterparty where there is no assumption of ongoing counterparty credit risk by the central counterparty after settlement of the trade and associated default fund contributions., (2) An FDIC-supervised institution must assign a 20 percent risk weight to cash items in the process of collection., (3) An FDIC-supervised institution must assign a 100 percent risk weight to DTAs arising from temporary differences that the FDIC-supervised institution could realize through net operating loss carrybacks., (4) An FDIC-supervised institution must assign a 250 percent risk weight to the portion of each of the following items to the extent it is not deducted from common equity tier 1 capital pursuant to \u00a7 324.22(d):, (i) MSAs; and, (ii) DTAs arising from temporary differences that the FDIC-supervised institution could not realize through net operating loss carrybacks., (5) An FDIC-supervised institution must assign a 100 percent risk weight to all assets not specifically assigned a different risk weight under this subpart and that are not deducted from tier 1 or tier 2 capital pursuant to \u00a7 324.22., (6) Notwithstanding the requirements of this section, an FDIC-supervised institution may assign an asset that is not included in one of the categories provided in this section to the risk weight category applicable under the capital rules applicable to bank holding companies and savings and loan holding companies under 12 CFR part 217, provided that all of the following conditions apply:, (i) The FDIC-supervised institution is not authorized to hold the asset under applicable law other than debt previously contracted or similar authority; and, (ii) The risks associated with the asset are substantially similar to the risks of assets that are otherwise assigned to a risk weight category of less than 100 percent under this subpart.", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"], "part": ["324"], "part_title": ["PART 324 - CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS"], "section": ["324.32"], "section_title": ["\u00a7 324.32 General risk weights."]}}
+{"text": "Notwithstanding provisions in \u00a7 1270.6 regarding Department of Treasury regulations set forth in 31 CFR part 357:, (a) The Department of Treasury TRADES Commentary (31 CFR part 357, appendix B) addressing the Department of Treasury regulations governing book-entry procedure for Treasury Securities is hereby referenced, so far as applicable and as necessarily modified to relate to Book-entry consolidated obligations, as an interpretive aid to this subpart D of this part., (b) Determinations of the Department of Treasury regarding whether a State shall be considered to have adopted Revised Article 8 for purposes of 31 CFR part 357, as published in the Federal Register or otherwise, shall also apply to this subpart D of this part.", "meta": {"chapter": ["XII"], "chapter_title": ["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["D"], "subchapter_title": ["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"], "part": ["1270"], "part_title": ["PART 1270 - LIABILITIES"], "section": ["1270.19"], "section_title": ["\u00a7 1270.19 Reference to certain Department of Treasury commentary and determinations."]}}
+{"text": "(a) Definitions. (1) Rural homeowner means an individual who resides in a rural area and is not a bona fide farmer, rancher, or producer or harvester of aquatic products., (2) Rural home means a single-family moderately priced dwelling located in a rural area that will be owned and occupied as the rural homeowner's principal residence., (3) Rural area means open country within a State or the Commonwealth of Puerto Rico, which may include a town or village that has a population of not more than 2,500 persons., (4) Moderately priced means the price of any rural home that either:, (i) Satisfies the criteria in section 8.0 of the Act pertaining to rural home loans that collateralize securities that are guaranteed by the Federal Agricultural Mortgage Corporation; or, (ii) Is otherwise determined to be moderately priced for housing values for the rural area where it is located, as documented by data from a credible, independent, and recognized national or regional source, such as a Federal, State, or local government agency, or an industry source. Housing values at or below the 75th percentile of values reflected in such data will be deemed moderately priced., (b) Eligibility. Any rural homeowner is eligible to obtain financing on a rural home. No borrower shall have a loan from the Farm Credit System on more than one rural home at any one time., (c) Purposes of financing. Loans may be made to rural homeowners for the purpose of buying, building, remodeling, improving, repairing rural homes, and refinancing existing indebtedness thereon., (d) Portfolio limitations. (1) The aggregate of retail rural home loans by any Farm Credit Bank or agricultural credit bank shall not exceed 15 percent of the total of all of its outstanding loans at any one time., (2) The aggregate of rural home loans made by each direct lender association shall not exceed 15 percent of the total of its outstanding loans at the end of its preceding fiscal year, except with the prior approval of its funding bank., (3) The aggregate of rural home loans made by all direct lender associations that are funded by the same Farm Credit bank shall not exceed 15 percent of the total outstanding loans of all such associations at the end of the funding bank's preceding fiscal year.", "meta": {"chapter": ["VI"], "chapter_title": ["CHAPTER VI - FARM CREDIT ADMINISTRATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - FARM CREDIT SYSTEM"], "part": ["613"], "part_title": ["PART 613 - ELIGIBILITY AND SCOPE OF FINANCING"], "section": ["613.3030"], "section_title": ["\u00a7 613.3030 Rural home financing."]}}
+{"text": "(a) A Farm Credit Bank or agricultural credit bank shall not advance funds to, or discount loans for, an OFI, as defined in \u00a7 611.1205 of this chapter, except pursuant to a general financing agreement. , (b) The Farm Credit Bank or agricultural credit bank shall deliver a copy of the executed general financing agreement and all related documents, such as a promissory note or security agreement, and all amendments of any of these documents, within 10 business days after any such document or amendment is executed, to the Chief Examiner, Farm Credit Administration, or to the Farm Credit Administration office that the Chief Examiner designates. , (c) The total credit extended to the OFI, through direct loan or discounts, shall be consistent with the Farm Credit Bank's or agricultural credit bank's lending policies and loan underwriting standards and the creditworthiness of the OFI. The general financing agreement or promissory note shall establish a maximum credit limit determined by objective standards as established by the Farm Credit Bank or agricultural credit bank. ", "meta": {"chapter": ["VI"], "chapter_title": ["CHAPTER VI - FARM CREDIT ADMINISTRATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - FARM CREDIT SYSTEM"], "part": ["614"], "part_title": ["PART 614 - LOAN POLICIES AND OPERATIONS"], "section": ["614.4130"], "section_title": ["\u00a7 614.4130 Funding and discount relationships between Farm Credit Banks or agricultural credit banks and OFIs."]}}
+{"text": "(a) Material supervisory determination. The term \u201cmaterial supervisory determination\u201d means a written decision by a program office (unless ineligible for appeal) that may significantly affect the capital, earnings, operating flexibility, or that may otherwise affect the nature or level of supervisory oversight of an insured credit union. The term includes, but is not limited to:, (1) A composite examination rating of 3, 4, or 5;, (2) A determination relating to the adequacy of loan loss reserve provisions;, (3) The classification of loans and other assets that are significant to an insured credit union;, (4) A determination regarding an insured credit union's compliance with Federal consumer financial law;, (5) A determination on a waiver request or an application for additional authority where independent appeal procedures have not been specified in other NCUA regulations; and, (6) A determination by the relevant reviewing authority that an appeal filed under this subchapter does not raise a material supervisory determination., (b) Exclusions from coverage. The term \u201cmaterial supervisory determination\u201d does not include:, (1) A composite examination rating of 1 or 2;, (2) A component examination rating unless the component rating has a significant adverse effect on the nature or level of supervisory oversight of an insured credit union;, (3) The scope and timing of supervisory contacts;, (4) A decision to appoint a conservator or liquidating agent for an insured credit union;, (5) A decision to take prompt corrective action pursuant to section 216 of the Federal Credit Union Act (12 U.S.C. 1790d) and part 702 of this chapter;, (6) Enforcement-related actions and decisions, including determinations and the underlying facts and circumstances that form the basis of a pending enforcement action;, (7) Preliminary examination conclusions communicated to an insured credit union before a final exam report or other written communication is issued;, (8) Formal and informal rulemakings pursuant to the Administrative Procedure Act (5 U.S.C. 500 et seq.);, (9) Requests for NCUA records or information under the Freedom of Information Act (5 U.S.C. 552) and part 792 of this chapter and the submission of information to NCUA that is governed by this statute and this regulation; and, (10) Determinations for which other appeals procedures exist.", "meta": {"chapter": ["VII"], "chapter_title": ["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"], "part": ["746"], "part_title": ["PART 746 - APPEALS PROCEDURES"], "section": ["746.103"], "section_title": ["\u00a7 746.103 Material supervisory determinations."]}}
+{"text": "(a) CECL transition provision. (1) Except as provided in paragraph (d) of this section, a Board-regulated institution may elect to use a CECL transition provision pursuant to this section only if the Board-regulated institution records a reduction in retained earnings due to the adoption of CECL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL., (2) Except as provided in paragraph (d) of this section, a Board-regulated institution that elects to use the CECL transition provision must elect to use the CECL transition provision in the first Call Report or FR Y-9C that includes CECL filed by the Board-regulated institution after it adopts CECL., (3) A Board-regulated institution that does not elect to use the CECL transition provision as of the first Call Report or FR Y-9C that includes CECL filed as described in paragraph (a)(2) of this section may not elect to use the CECL transition provision in subsequent reporting periods., (b) Definitions. For purposes of this section, the following definitions apply:, (1) Transition period means the three-year period beginning the first day of the fiscal year in which a Board-regulated institution adopts CECL and reflects CECL in its first Call Report or FR Y-9C filed after that date; or, for the 2020 CECL transition provision under paragraph (d) of this section, the five-year period beginning on the earlier of the date a Board-regulated institution was required to adopt CECL for accounting purposes under GAAP (as in effect January 1, 2020), or the first day of the fiscal year that begins during the 2020 calendar year in which the Board-regulated institution files regulatory reports that include CECL., (2) CECL transitional amount means the difference net of any DTAs, in the amount of a Board-regulated institution's retained earnings as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL from the amount of the Board-regulated institution's retained earnings as of the closing of the fiscal year-end immediately prior to the Board-regulated institution's adoption of CECL., (3) DTA transitional amount means the difference in the amount of a Board-regulated institution's DTAs arising from temporary differences as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL from the amount of the Board-regulated institution's DTAs arising from temporary differences as of the closing of the fiscal year-end immediately prior to the Board-regulated institution's adoption of CECL., (4) AACL transitional amount means the difference in the amount of a Board-regulated institution's AACL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL and the amount of the Board-regulated institution's ALLL as of the closing of the fiscal year-end immediately prior to the Board-regulated institution's adoption of CECL., (5) Eligible credit reserves transitional amount means the difference in the amount of a Board-regulated institution's eligible credit reserves as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL from the amount of the Board-regulated institution's eligible credit reserves as of the closing of the fiscal year-end immediately prior to the Board-regulated institution's adoption of CECL., (c) Calculation of the three-year CECL transition provision. (1) For purposes of the election described in paragraph (a)(1) of this section and except as provided in paragraph (d) of this section, a Board-regulated institution must make the following adjustments in its calculation of regulatory capital ratios:, (i) Increase retained earnings by seventy-five percent of its CECL transitional amount during the first year of the transition period, increase retained earnings by fifty percent of its CECL transitional amount during the second year of the transition period, and increase retained earnings by twenty-five percent of its CECL transitional amount during the third year of the transition period;, (ii) Decrease amounts of DTAs arising from temporary differences by seventy-five percent of its DTA transitional amount during the first year of the transition period, decrease amounts of DTAs arising from temporary differences by fifty percent of its DTA transitional amount during the second year of the transition period, and decrease amounts of DTAs arising from temporary differences by twenty-five percent of its DTA transitional amount during the third year of the transition period;, (iii) Decrease amounts of AACL by seventy-five percent of its AACL transitional amount during the first year of the transition period, decrease amounts of AACL by fifty percent of its AACL transitional amount during the second year of the transition period, and decrease amounts of AACL by twenty-five percent of its AACL transitional amount during the third year of the transition period; and, (iv) Increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by seventy-five percent of its CECL transitional amount during the first year of the transition period, increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by fifty percent of its CECL transitional amount during the second year of the transition period, and increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by twenty-five percent of its CECL transitional amount during the third year of the transition period., (2) For purposes of the election described in paragraph (a)(1) of this section, an advanced approaches or Category III Board-regulated institution must make the following additional adjustments to its calculation of its applicable regulatory capital ratios:, (i) Increase total leverage exposure for purposes of the supplementary leverage ratio by seventy-five percent of its CECL transitional amount during the first year of the transition period, increase total leverage exposure for purposes of the supplementary leverage ratio by fifty percent of its CECL transitional amount during the second year of the transition period, and increase total leverage exposure for purposes of the supplementary leverage ratio by twenty-five percent of its CECL transitional amount during the third year of the transition period; and, (ii) An advanced approaches Board-regulated institution that has completed the parallel run process and that has received notification from the Board pursuant to \u00a7 217.121(d) must decrease amounts of eligible credit reserves by seventy-five percent of its eligible credit reserves transitional amount during the first year of the transition period, decrease amounts of eligible credit reserves by fifty percent of its eligible credit reserves transitional amount during the second year of the transition provision, and decrease amounts of eligible credit reserves by twenty-five percent of its eligible credit reserves transitional amount during the third year of the transition period., (d) 2020 CECL transition provision. Notwithstanding paragraph (a) of this section, a Board-regulated institution that adopts CECL for accounting purposes under GAAP as of the first day of a fiscal year that begins during the 2020 calendar year may elect to use the transitional amounts and modified transitional amounts in paragraph (d)(1) of this section with the 2020 CECL transition provision calculation in paragraph (d)(2) of this section to adjust its calculation of regulatory capital ratios during each quarter of the transition period in which a Board-regulated institution uses CECL for purposes of its Call Report or FR Y-9C. A Board-regulated institution may use the transition provision in this paragraph (d) if it has a positive modified CECL transitional amount during any quarter ending in 2020, and makes the election in the Call Report or FR Y-9C filed for the same quarter. A Board-regulated institution that does not calculate a positive modified CECL transitional amount in any quarter is not required to apply the adjustments in its calculation of regulatory capital ratios in paragraph (d)(2) of this section in that quarter., (1) Definitions. For purposes of the 2020 CECL transition provision calculation in paragraph (d)(2) of this section, the following definitions apply:, (i) Modified CECL transitional amount means:, (A) During the first two years of the transition period, the difference between AACL as reported in the most recent Call Report or FR Y-9C, and the AACL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL, multiplied by 0.25, plus the CECL transitional amount; and, (B) During the last three years of the transition period, the difference between AACL as reported in the Call Report or Y-9C at the end of the second year of the transition period and the AACL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL, multiplied by 0.25, plus the CECL transitional amount., (ii) Modified AACL transitional amount means:, (A) During the first two years of the transition period, the difference between AACL as reported in the most recent Call Report or FR Y-9C, and the AACL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL, multiplied by 0.25, plus the AACL transitional amount; and, (B) During the last three years of the transition period, the difference between AACL as reported in the Call Report or FR Y-9C at the end of the second year of the transition period and the AACL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL, multiplied by 0.25, plus the AACL transitional amount., (2) Calculation of 2020 CECL transition provision. (i) A Board-regulated institution that has elected the 2020 CECL transition provision described in this paragraph (d) may make the following adjustments in its calculation of regulatory capital ratios:, (A) Increase retained earnings by one-hundred percent of its modified CECL transitional amount during the first year of the transition period, increase retained earnings by one hundred percent of its modified CECL transitional amount during the second year of the transition period, increase retained earnings by seventy-five percent of its modified CECL transitional amount during the third year of the transition period, increase retained earnings by fifty percent of its modified CECL transitional amount during the fourth year of the transition period, and increase retained earnings by twenty-five percent of its modified CECL transitional amount during the fifth year of the transition period;, (B) Decrease amounts of DTAs arising from temporary differences by one-hundred percent of its DTA transitional amount during the first year of the transition period, decrease amounts of DTAs arising from temporary differences by one hundred percent of its DTA transitional amount during the second year of the transition period, decrease amounts of DTAs arising from temporary differences by seventy-five percent of its DTA transitional amount during the third year of the transition period, decrease amounts of DTAs arising from temporary differences by fifty percent of its DTA transitional amount during the fourth year of the transition period, and decrease amounts of DTAs arising from temporary differences by twenty-five percent of its DTA transitional amount during the fifth year of the transition period;, (C) Decrease amounts of AACL by one-hundred percent of its modified AACL transitional amount during the first year of the transition period, decrease amounts of AACL by one hundred percent of its modified AACL transitional amount during the second year of the transition period, decrease amounts of AACL by seventy-five percent of its modified AACL transitional amount during the third year of the transition period, decrease amounts of AACL by fifty percent of its AACL transitional amount during the fourth year of the transition period, and decrease amounts of AACL by twenty-five percent of its AACL transitional amount during the fifth year of the transition period; and, (D) Increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by one-hundred percent of its modified CECL transitional amount during the first year of the transition period, increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by one hundred percent of its modified CECL transitional amount during the second year of the transition period, increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by seventy-five percent of its modified CECL transitional amount during the third year of the transition period, increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by fifty percent of its modified CECL transitional amount during the fourth year of the transition period, and increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by twenty-five percent of its modified CECL transitional amount during the fifth year of the transition period., (ii) An advanced approaches or Category III Board-regulated institution that has elected the 2020 CECL transition provision described in this paragraph (d) may make the following additional adjustments to its calculation of its applicable regulatory capital ratios:, (A) Increase total leverage exposure for purposes of the supplementary leverage ratio by one-hundred percent of its modified CECL transitional amount during the first year of the transition period, increase total leverage exposure for purposes of the supplementary leverage ratio by one hundred percent of its modified CECL transitional amount during the second year of the transition period, increase total leverage exposure for purposes of the supplementary leverage ratio by seventy-five percent of its modified CECL transitional amount during the third year of the transition period, increase total leverage exposure for purposes of the supplementary leverage ratio by fifty percent of its modified CECL transitional amount during the fourth year of the transition period, and increase total leverage exposure for purposes of the supplementary leverage ratio by twenty-five percent of its modified CECL transitional amount during the fifth year of the transition period; and, (B) An advanced approaches Board-regulated institution that has completed the parallel run process and that has received notification from the Board pursuant to \u00a7 217.121(d) must decrease amounts of eligible credit reserves by one-hundred percent of its eligible credit reserves transitional amount during the first year of the transition period, decrease amounts of eligible credit reserves by one hundred percent of its eligible credit reserves transitional amount during the second year of the transition period, decrease amounts of eligible credit reserves by seventy-five percent of its eligible credit reserves transitional amount during the third year of the transition period, decrease amounts of eligible credit reserves by fifty percent of its eligible credit reserves transitional amount during the fourth year of the transition period, and decrease amounts of eligible credit reserves by twenty-five percent of its eligible credit reserves transitional amount during the fifth year of the transition period., (e) Eligible credit reserves shortfall. An advanced approaches Board-regulated institution that has completed the parallel run process and that has received notification from the Board pursuant to \u00a7 217.121(d), whose amount of expected credit loss exceeded its eligible credit reserves immediately prior to the adoption of CECL, and that has an increase in common equity tier 1 capital as of the beginning of the fiscal year in which it adopts CECL after including the first year portion of the CECL transitional amount (or modified CECL transitional amount) must decrease its CECL transitional amount used in paragraph (c) of this section (or modified CECL transitional amount used in paragraph (d) of this section) by the full amount of its DTA transitional amount., (f) Business combinations. Notwithstanding any other requirement in this section, for purposes of this paragraph (f), in the event of a business combination involving a Board-regulated institution where one or both Board-regulated institutions have elected the treatment described in this section:, (1) If the acquirer Board-regulated institution (as determined under GAAP) elected the treatment described in this section, the acquirer Board-regulated institution must continue to use the transitional amounts (unaffected by the business combination) that it calculated as of the date that it adopted CECL through the end of its transition period., (2) If the acquired company (as determined under GAAP) elected the treatment described in this section, any transitional amount of the acquired company does not transfer to the resulting Board-regulated institution.", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"], "part": ["217"], "part_title": ["PART 217 - CAPITAL ADEQUACY OF BANK HOLDING COMPANIES, SAVINGS AND LOAN HOLDING COMPANIES, AND STATE MEMBER BANKS (REGULATION Q)"], "section": ["217.301"], "section_title": ["\u00a7 217.301 Current expected credit losses (CECL) transition."]}}
+{"text": "(a) Purpose. This subpart is issued to assure that all FDIC-supervised institutions as defined in 12 CFR 326.1 establish and maintain procedures reasonably designed to assure and monitor their compliance with the requirements of subchapter II of chapter 53 of title 31, United States Code, and the implementing regulations promulgated thereunder by the Department of Treasury at 31 CFR Chapter X., (b) Compliance procedures - (1) Program requirement. Each institution shall develop and provide for the continued administration of a program reasonably designed to assure and monitor compliance with recordkeeping and reporting requirements set forth in subchapter II of chapter 53 of title 31, United States Code, and the implementing regulations issued by the Department of Treasury at 31 CFR Chapter X. The compliance program shall be written, approved by the institution's board of directors, and noted in the minutes., (2) Customer identification program. Each institution is subject to the requirements of 31 U.S.C. 5318(l) and the implementing regulation jointly promulgated by the FDIC and the Department of the Treasury at 31 CFR 1020.220., (c) Contents of compliance program. The compliance program shall, at a minimum:, (1) Provide for a system of internal controls to assure ongoing compliance;, (2) Provide for independent testing for compliance to be conducted by institution personnel or by an outside party;, (3) Designate an individual or individuals responsible for coordinating and monitoring day-to-day compliance; and, (4) Provide training for appropriate personnel.", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"], "part": ["326"], "part_title": ["PART 326 - MINIMUM SECURITY DEVICES AND PROCEDURES AND BANK SECRECY ACT \n1\n COMPLIANCE"], "section": ["326.8"], "section_title": ["\u00a7 326.8 Bank Secrecy Act compliance."]}}
+{"text": "(a) Anticoercion and antitying rules. You may not engage in any practice that would lead a consumer to believe that an extension of credit, in violation of section 106(b) of the Bank Holding Company Act Amendments of 1970 (12 U.S.C. 1972), is conditional upon either: , (1) The purchase of an insurance product or annuity from the bank or any of its affiliates; or, (2) An agreement by the consumer not to obtain, or a prohibition on the consumer from obtaining, an insurance product or annuity from an unaffiliated entity. , (b) Prohibition on misrepresentations generally. You may not engage in any practice or use any advertisement at any office of, or on behalf of, the bank or a subsidiary of the bank that could mislead any person or otherwise cause a reasonable person to reach an erroneous belief with respect to: , (1) The fact that an insurance product or annuity sold or offered for sale by you or any subsidiary of the bank is not backed by the Federal government or the bank or the fact that the insurance product or annuity is not insured by the Federal Deposit Insurance Corporation; , (2) In the case of an insurance product or annuity that involves investment risk, the fact that there is an investment risk, including the potential that principal may be lost and that the product may decline in value; or, (3) In the case of a bank or subsidiary of the bank at which insurance products or annuities are sold or offered for sale, the fact that: , (i) The approval of an extension of credit to a consumer by the bank or subsidiary may not be conditioned on the purchase of an insurance product or annuity by the consumer from the bank or a subsidiary of the bank; and, (ii) The consumer is free to purchase the insurance product or annuity from another source. , (c) Prohibition on domestic violence discrimination. You may not sell or offer for sale, as principal, agent, or broker, any life or health insurance product if the status of the applicant or insured as a victim of domestic violence or as a provider of services to victims of domestic violence is considered as a criterion in any decision with regard to insurance underwriting, pricing, renewal, or scope of coverage of such product, or with regard to the payment of insurance claims on such product, except as required or expressly permitted under State law. ", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"], "part": ["208"], "part_title": ["PART 208 - MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H)"], "section": ["208.83"], "section_title": ["\u00a7 208.83 Prohibited practices."]}}
+{"text": "(a) Request for a hearing. (1) Time-period for submission. An employee who requests a hearing on the existence or amount of the debt held by FHFA or on the salary-offset schedule proposed by FHFA, must send a written request to FHFA. The request for a hearing must be received by FHFA on or before the 30th calendar day following receipt by the employee of the Notice of Intent., (2) Failure to submit timely. If the employee files a request for a hearing after the expiration of the 30th calendar day, the employee shall not be entitled to a hearing. However, FHFA may accept the request if the employee can show that the delay was the result of circumstances beyond his or her control or that he or she failed to receive actual notice of the filing deadline., (3) Contents of request. The request for a hearing must be signed by the employee and must fully identify and explain with reasonable specificity all the facts, evidence, and witnesses, if any, that the employee believes support his or her position. The employee must also specify whether he or she requests an oral hearing. If an oral hearing is requested, the employee should explain why a hearing by examination of the documents without an oral hearing would not resolve the matter., (4) Failure to request a hearing. The failure of an employee to request a hearing will be considered an admission by the employee that the debt exists in the amount specified in the Notice of Intent that was provided to the employee under \u00a7 1208.21(b)., (b) Obtaining the services of a hearing official - (1) Debtor is not an FHFA employee. When the debtor is not an FHFA employee and FHFA cannot provide a prompt and appropriate hearing before an administrative law judge or other hearing official, FHFA may request a hearing official from an agent of the paying agency, as designated in 5 CFR part 581, appendix A, or as otherwise designated by the paying agency. The paying agency must cooperate with FHFA to provide a hearing official, as required by the FCCS., (2) Debtor is an FHFA employee. When the debtor is an FHFA employee, FHFA may contact any agent of another agency, as designated in 5 CFR part 581, appendix A, or as otherwise designated by the agency, to request a hearing official., (c) Procedure - (1) Notice of hearing. After the employee requests a hearing, the hearing official shall notify the employee of the form of the hearing to be provided. If the hearing will be oral, the notice shall set forth the date, time, and location of the hearing, which must occur no more than 30 calendar days after the request is received, unless the employee requests that the hearing be delayed. If the hearing will be conducted by an examination of documents, the employee shall be notified within 30 calendar days that he or she should submit evidence and arguments in writing to the hearing official within 30 calendar days., (2) Oral hearing. (i) An employee who requests an oral hearing shall be provided an oral hearing if the hearing official determines that the matter cannot be resolved by an examination of the documents alone, as for example, when an issue of credibility or veracity is involved. The oral hearing need not be an adversarial adjudication; and rules of evidence need not apply. Witnesses who testify in an oral hearing shall do so under oath or affirmation., (ii) Oral hearings may take the form of, but are not limited to:, (A) Informal conferences with the hearing official in which the employee and agency representative are given full opportunity to present evidence, witnesses, and argument;, (B) Informal meetings in which the hearing examiner interviews the employee; or, (C) Formal written submissions followed by an opportunity for oral presentation., (3) Hearing by examination of documents. If the hearing official determines that an oral hearing is not necessary, he or she shall make the determination based upon an examination of the documents., (d) Record. The hearing official shall maintain a summary record of any hearing conducted under this section., (e) Decision. (1) The hearing official shall issue a written opinion stating his or her decision, based upon all evidence and information developed during the hearing, as soon as practicable after the hearing, but not later than 60 calendar days after the date on which the request was received by FHFA, unless the hearing was delayed at the request of the employee, in which case the 60-day decision period shall be extended by the number of days by which the hearing was postponed., (2) The decision of the hearing official shall be final and is considered to be an official certification regarding the existence and the amount of the debt for purposes of executing salary offset under 5 U.S.C. 5514. If the hearing official determines that a debt may not be collected by salary offset, but FHFA finds that the debt is still valid, FHFA may seek collection of the debt through other means in accordance with applicable law and regulations., (f) Content of decision. The written decision shall include:, (1) A summary of the facts concerning the origin, nature, and amount of the debt;, (2) The hearing official's findings, analysis, and conclusions; and, (3) The terms of any repayment schedules, if applicable., (g) Failure to appear. If, in the absence of good cause shown, such as illness, the employee or the representative of FHFA fails to appear, the hearing official shall proceed with the hearing as scheduled, and make his or her decision based upon the oral testimony presented and the documentation submitted by both parties. At the request of both parties, the hearing official may schedule a new hearing date. Both parties shall be given reasonable notice of the time and place of the new hearing.", "meta": {"chapter": ["XII"], "chapter_title": ["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"], "part": ["1208"], "part_title": ["PART 1208 - DEBT COLLECTION"], "section": ["1208.23"], "section_title": ["\u00a7 1208.23 Opportunity for a hearing where FHFA is the creditor agency."]}}
+{"text": "(a) Development and publication of criteria. Pursuant to the Foreign Bank Supervision Enhancement Act, Pub. L. 102-242, 105 Stat. 2286 (1991), the Board shall develop and publish criteria to be used in evaluating the operations of any foreign bank in the United States that the Board has determined is not subject to comprehensive consolidated supervision. , (b) Criteria considered by Board. Following a determination by the Board that, having taken into account the standards set forth in \u00a7 211.24(c)(1), a foreign bank is not subject to CCS, the Board shall consider the following criteria in determining whether the foreign bank's U.S. operations should be permitted to continue and, if so, whether any supervisory constraints should be placed upon the bank in connection with those operations: , (1) The proportion of the foreign bank's total assets and total liabilities that are located or booked in its home country, as well as the distribution and location of its assets and liabilities that are located or booked elsewhere;, (2) The extent to which the operations and assets of the foreign bank and any affiliates are subject to supervision by its home country supervisor;, (3) Whether the home country supervisor of such foreign bank is actively working to establish arrangements for comprehensive consolidated supervision of the bank, and whether demonstrable progress is being made;, (4) Whether the foreign bank has effective and reliable systems of internal controls and management information and reporting, which enable its management properly to oversee its worldwide operations;, (5) Whether the foreign bank's home country supervisor has any objection to the bank continuing to operate in the United States;, (6) Whether the foreign bank's home country supervisor and the home country supervisor of any parent of the foreign bank share material information regarding the operations of the foreign bank with other supervisory authorities;, (7) The relationship of the U.S. operations to the other operations of the foreign bank, including whether the foreign bank maintains funds in its U.S. offices that are in excess of amounts due to its U.S. offices from the foreign bank's non-U.S. offices;, (8) The soundness of the foreign bank's overall financial condition;, (9) The managerial resources of the foreign bank, including the competence, experience, and integrity of the officers and directors, and the integrity of its principal shareholders;, (10) The scope and frequency of external audits of the foreign bank;, (11) The operating record of the foreign bank generally and its role in the banking system in its home country;, (12) The foreign bank's record of compliance with relevant laws, as well as the adequacy of its anti-money-laundering controls and procedures, in respect of its worldwide operations;, (13) The operating record of the U.S. offices of the foreign bank;, (14) The views and recommendations of the Comptroller or the relevant state supervisors in those states in which the foreign bank has operations, as appropriate;, (15) Whether the foreign bank, if requested, has provided the Board with adequate assurances that such information will be made available on the operations or activities of the foreign bank and any of its affiliates as the Board deems necessary to determine and enforce compliance with the IBA, the BHC Act, and other U.S. banking statutes; and, (16) Any other information relevant to the safety and soundness of the U.S. operations of the foreign bank., (c) Restrictions on U.S. operations - (1) Terms of agreement. Any foreign bank that the Board determines is not subject to CCS may be required to enter into an agreement to conduct its U.S. operations subject to such restrictions as the Board, having considered the criteria set forth in paragraph (b) of this section, determines to be appropriate in order to ensure the safety and soundness of its U.S. operations., (2) Failure to enter into or comply with agreement. A foreign bank that is required by the Board to enter into an agreement pursuant to paragraph (c)(1) of this section and either fails to do so, or fails to comply with the terms of such agreement, may be subject to:, (i) Enforcement action, in order to ensure safe and sound banking operations, under 12 U.S.C. 1818; or, (ii) Termination or a recommendation for termination of its U.S. operations, under \u00a7 211.25(a) and (e) and section (7)(e) of the IBA (12 U.S.C. 3105(e)).", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"], "part": ["211"], "part_title": ["PART 211 - INTERNATIONAL BANKING OPERATIONS (REGULATION K)"], "section": ["211.30"], "section_title": ["\u00a7 211.30 Criteria for evaluating U.S. operations of foreign banks not subject to consolidated supervision."]}}
+{"text": "(a) Permissible activities and investments. In addition to its general banking powers, and to the extent consistent with its charter, a foreign branch of a member bank may engage in the following activities and make the following investments, so far as is usual in connection with the business of banking in the country where it transacts business: , (1) Guarantees. Guarantee debts, or otherwise agree to make payments on the occurrence of readily ascertainable events (including, but not limited to, nonpayment of taxes, rentals, customs duties, or costs of transport, and loss or nonconformance of shipping documents) if the guarantee or agreement specifies a maximum monetary liability; however, except to the extent that the member bank is fully secured, it may not have liabilities outstanding for any person on account of such guarantees or agreements which, when aggregated with other unsecured obligations of the same person, exceed the limit contained in section 5200(a)(1) of the Revised Statutes (12 U.S.C. 84) for loans and extensions of credit; , (2) Government obligations. (i) Underwrite, distribute, buy, sell, and hold obligations of: , (A) The national government of the country where the branch is located and any political subdivision of that country; , (B) An agency or instrumentality of the national government of the country where the branch is located where such obligations are supported by the taxing authority, guarantee, or full faith and credit of that government; , (C) The national government or political subdivision of any country, where such obligations are rated investment grade; and , (D) An agency or instrumentality of any national government where such obligations are rated investment grade and are supported by the taxing authority, guarantee or full faith and credit of that government. , (ii) No member bank, under authority of this paragraph (a)(2), may hold, or be under commitment with respect to, such obligations for its own account in relation to any one country in an amount exceeding the greater of: , (A) 10 percent of its tier 1 capital; or , (B) 10 percent of the total deposits of the bank's branches in that country on the preceding year-end call report date (or the date of acquisition of the branch, in the case of a branch that has not been so reported); , (3) Other investments. (i) Invest in: , (A) The securities of the central bank, clearinghouses, governmental entities other than those authorized under paragraph (a)(2) of this section, and government-sponsored development banks of the country where the foreign branch is located; , (B) Other debt securities eligible to meet local reserve or similar requirements; and , (C) Shares of automated electronic-payments networks, professional societies, schools, and the like necessary to the business of the branch; , (ii) The total investments of a bank's branches in a country under this paragraph (a)(3) (exclusive of securities held as required by the law of that country or as authorized under section 5136 of the Revised Statutes (12 U.S.C. 24, Seventh)) may not exceed 1 percent of the total deposits of the bank's branches in that country on the preceding year-end call report date (or on the date of acquisition of the branch, in the case of a branch that has not been so reported); , (4) Real estate loans. Take liens or other encumbrances on foreign real estate in connection with its extensions of credit, whether or not of first priority and whether or not the real estate has been improved; , (5) Insurance. Act as insurance agent or broker; , (6) Employee benefits program. Pay to an employee of the branch, as part of an employee benefits program, a greater rate of interest than that paid to other depositors of the branch; , (7) Repurchase agreements. Engage in repurchase agreements involving securities and commodities that are the functional equivalents of extensions of credit; , (8) Investment in subsidiaries. With the Board's prior approval, acquire all of the shares of a company (except where local law requires other investors to hold directors' qualifying shares or similar types of instruments) that engages solely in activities: , (i) In which the member bank is permitted to engage; or , (ii) That are incidental to the activities of the foreign branch. , (b) Other activities. With the Board's prior approval, engage in other activities that the Board determines are usual in connection with the transaction of the business of banking in the places where the member bank's branches transact business. ", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"], "part": ["211"], "part_title": ["PART 211 - INTERNATIONAL BANKING OPERATIONS (REGULATION K)"], "section": ["211.4"], "section_title": ["\u00a7 211.4 Permissible activities and investments of foreign branches of member banks."]}}
+{"text": "For purposes of this part, an officer or employee of the Federal Reserve is considered to be the \u201csenior examiner\u201d for a particular state member bank, bank holding company, savings and loan holding company, or foreign bank if - , (a) The officer or employee has been authorized by the Board to conduct examinations or inspections on behalf of the Board;, (b) The officer or employee has been assigned continuing, broad and lead responsibility for examining or inspecting the state member bank, bank holding company, savings and loan holding company, or foreign bank; and, (c) The officer's or employee's responsibilities for examining, inspecting and supervising the state member bank, bank holding company, savings and loan holding company, or foreign bank - , (1) Represent a substantial portion of the officer's or employee's assigned responsibilities; and, (2) Require the officer or employee to interact routinely with officers or employees of the state member bank, bank holding company, savings and loan holding company, or foreign bank or its affiliates.", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["264a"], "part_title": ["PART 264a - POST-EMPLOYMENT RESTRICTIONS FOR SENIOR EXAMINERS"], "section": ["264a.2"], "section_title": ["\u00a7 264a.2 Who is considered a senior examiner of the Federal Reserve?"]}}
+{"text": "(a) Petitions have been filed with the Board raising questions as to whether the margin requirements in this part apply to two types of corporate acquisitions in which debt securities are issued to finance the acquisition of margin stock of a target company., (b) In the first situation, the acquiring company, Company A, controls a shell corporation that would make a tender offer for the stock of Company B, which is margin stock (as defined in \u00a7 221.2). The shell corporation has virtually no operations, has no significant business function other than to acquire and hold the stock of Company B, and has substantially no assets other than the margin stock to be acquired. To finance the tender offer, the shell corporation would issue debt securities which, by their terms, would be unsecured. If the tender offer is successful, the shell corporation would seek to merge with Company B. However, the tender offer seeks to acquire fewer shares of Company B than is necessary under state law to effect a short form merger with Company B, which could be consummated without the approval of shareholders or the board of directors of Company B., (c) The purchase of the debt securities issued by the shell corporation to finance the acquisition clearly involves purpose credit (as defined in \u00a7 221.2). In addition, such debt securities would be purchased only by sophisticated investors in very large minimum denominations, so that the purchasers may be lenders for purposes of this part. See \u00a7 221.3(b). Since the debt securities contain no direct security agreement involving the margin stock, applicability of the lending restrictions of this part turns on whether the arrangement constitutes an extension of credit that is secured indirectly by margin stock., (d) As the Board has recognized, indirect security can encompass a wide variety of arrangements between lenders and borrowers with respect to margin stock collateral that serve to protect the lenders' interest in assuring that a credit is repaid where the lenders do not have a conventional direct security interest in the collateral. See \u00a7 221.124. However, credit is not \u201cindirectly secured\u201d by margin stock if the lender in good faith has not relied on the margin stock as collateral extending or maintaining credit. See \u00a7 221.2., (e) The Board is of the view that, in the situation described in paragraph (b) of this section, the debt securities would be presumed to be indirectly secured by the margin stock to be acquired by the shell acquisition vehicle. The staff has previously expressed the view that nominally unsecured credit extended to an investment company, a substantial portion of whose assets consist of margin stock, is indirectly secured by the margin stock. See Federal Reserve Regulatory Service 5-917.12. (See 12 CFR 261.10(f) for information on how to obtain Board publications.) This opinion notes that the investment company has substantially no assets other than margin stock to support indebtedness and thus credit could not be extended to such a company in good faith without reliance on the margin stock as collateral., (f) The Board believes that this rationale applies to the debt securities issued by the shell corporation described in paragraph (b) of this section. At the time the debt securities are issued, the shell corporation has substantially no assets to support the credit other than the margin stock that it has acquired or intends to acquire and has no significant business function other than to hold the stock of the target company in order to facilitate the acquisition. Moreover, it is possible that the shell may hold the margin stock for a significant and indefinite period of time, if defensive measures by the target prevent consummation of the acquisition. Because of the difficulty in predicting the outcome of a contested takeover at the time that credit is committed to the shell corporation, the Board believes that the purchasers of the debt securities could not, in good faith, lend without reliance on the margin stock as collateral. The presumption that the debt securities are indirectly secured by margin stock would not apply if there is specific evidence that lenders could in good faith rely on assets other than margin stock as collateral, such as a guaranty of the debt securities by the shell corporation's parent company or another company that has substantial non-margin stock assets or cash flow. This presumption would also not apply if there is a merger agreement between the acquiring and target companies entered into at the time the commitment is made to purchase the debt securities or in any event before loan funds are advanced. In addition, the presumption would not apply if the obligation of the purchasers of the debt securities to advance funds to the shell corporation is contingent on the shell's acquisition of the minimum number of shares necessary under applicable state law to effect a merger between the acquiring and target companies without the approval of either the shareholders or directors of the target company. In these two situations where the merger will take place promptly, the Board believes the lenders could reasonably be presumed to be relying on the assets of the target for repayment., (g) In addition, the Board is of the view that the debt securities described in paragraph (b) of this section are indirectly secured by margin stock because there is a practical restriction on the ability of the shell corporation to dispose of the margin stock of the target company. Indirectly secured is defined in \u00a7 221.2 to include any arrangement under which the customer's right or ability to sell, pledge, or otherwise dispose of margin stock owned by the customer is in any way restricted while the credit remains outstanding. The purchasers of the debt securities issued by a shell corporation to finance a takeover attempt clearly understand that the shell corporation intends to acquire the margin stock of the target company in order to effect the acquisition of that company. This understanding represents a practical restriction on the ability of the shell corporation to dispose of the target's margin stock and to acquire other assets with the proceeds of the credit., (h) In the second situation, Company C, an operating company with substantial assets or cash flow, seeks to acquire Company D, which is significantly larger than Company C. Company C establishes a shell corporation that together with Company C makes a tender offer for the shares of Company D, which is margin stock. To finance the tender offer, the shell corporation would obtain a bank loan that complies with the margin lending restrictions of this part and Company C would issue debt securities that would not be directly secured by any margin stock. The Board is of the opinion that these debt securities should not be presumed to be indirectly secured by the margin stock of Company D, since, as an operating business, Company C has substantial assets or cash flow without regard to the margin stock of Company D. Any presumption would not be appropriate because the purchasers of the debt securities may be relying on assets other than margin stock of Company D for repayment of the credit.", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["221"], "part_title": ["PART 221 - CREDIT BY BANKS AND PERSONS OTHER THAN BROKERS OR DEALERS FOR THE PURPOSE OF PURCHASING OR CARRYING MARGIN STOCK (REGULATION U)"], "section": ["221.124"], "section_title": ["\u00a7 221.124 Purchase of debt securities to finance corporate takeovers."]}}
+{"text": "Some of the terms you need to understand while reading this regulation are - , Aggregating means combing multiple requests for documents that could reasonably have been the subject of a single request and which occur within a 30-day period, by a single requester or by a group of requesters acting in concert that would otherwise involve unusual circumstances., Appeals Officer or FOIA Appeals Officer means a person designated by FHFA who processes appeals of denied FOIA requests for FHFA records., Chief FOIA Officer means the designated high-level official within FHFA (FHFA-OIG does not have a separate Chief FOIA Officer) who has overall responsibility for the agency's FOIA program and compliance with the FOIA., Confidential commercial information means records provided to the Federal Government by a submitter that contain material exempt from release under Exemption 4 of the FOIA, 5 U.S.C. 552(b)(4), because disclosure could reasonably be expected to cause substantial competitive harm., Days, unless stated as \u201ccalendar days,\u201d are working days and do not include Saturdays, Sundays, and Federal holidays. If the last day of any period prescribed herein falls on a Saturday, Sunday, or Federal holiday, the last day of the period will be the next working day that is not a Saturday, Sunday, or Federal holiday., Direct costs means the expenses, including contract services and retrieving documents from at a Federal records center operated by the National Archives and Records Administration, incurred by FHFA, in searching for, reviewing and/or duplicating records to respond to a request for information. In the case of a commercial use request, the term also means those expenditures FHFA actually incurs in reviewing records to respond to the request. Direct costs include the cost of the time of the employee performing the work, the cost of any computer searches, and the cost of operating duplication equipment. Direct costs do not include overhead expenses such as costs of space, and heating or lighting the facility in which the records are stored., Duplication means reproducing a copy of a record, or of the information contained in it, necessary to respond to a FOIA request. Copies can take the form of paper, audiovisual materials, or electronic records, among others., Employee, for the purposes of this regulation, means any person holding an appointment to a position of employment with FHFA, or any person who formerly held such an appointment; any conservator appointed by FHFA; or any agent or independent contractor acting on behalf of FHFA, even though the appointment or contract has terminated., Fee Waiver means the waiver or reduction of fees if the requester can demonstrate that certain statutory standards are met., FHFA means each separate component designated by the agency as a primary organizational unit that is responsible for processing FOIA requests, as specified in Appendices A and B to this part. FHFA has two components: Federal Housing Finance Agency Headquarters (FHFA-HQ) and FHFA Office of Inspector General (FHFA-OIG)., FOIA Officer, FOIA Official and Chief FOIA Officer are persons designated by FHFA to process and respond to requests for FHFA records under the FOIA., FOIA Public Liaison is a person designated by FHFA who is responsible for assisting requesters with their requests., Proactive disclosure means records that are required by the FOIA to be made publicly available, as well as additional records identified as being of interest to the public that are appropriate for public disclosure, and for posting and indexing such records., Readily reproducible means that the requested record or records exist in electronic format and can be downloaded or transferred intact to a computer disk, tape, or another electronic medium with equipment and software currently in use by FHFA., Record means information or documentary material FHFA maintains in any form or format, including electronic, which FHFA - , (1) Created or received under Federal law or in connection with the transaction of public business;, (2) Preserved or determined is appropriate for preservation as evidence of operations or activities of FHFA, or because of the value of the information it contains; and, (3) Controls at the time it receives a request under the FOIA., Regulated entities means the Federal Home Loan Mortgage Corporation, the Federal National Mortgage Association, and the Federal Home Loan Banks., Requester means any person seeking access to FHFA records under the FOIA. A requester falls into one of three categories for the purpose of determining what fees may be charged. The three categories are - , (1) Commercial - A request that asks for information for a use or a purpose that furthers a commercial, trade, or profit interest, which can include furthering those interests through litigation. A decision to place a requester in the commercial use category will be made on a case-by-case basis based on the requester's intended use of the information;, (2) Noncommercial - Three distinct subcategories - , (i) Educational institution - Any school that operates a program of scholarly research. A requester in this fee category must show that the request is authorized by, and is made under the auspices of, an educational institution and that the records are not sought for a commercial use, but rather are sought to further scholarly research. To fall with this fee category, the request must serve the scholarly research goals of the institution rather than an individual research goal. A student who makes a request in furtherance of their coursework or other school-sponsored activities and provides a copy of a course syllabus or other reasonable documentation to indicate the research purpose for the request would qualify as part of this fee category;, (ii) Noncommercial scientific institution - An institution that is not operated on a \u201ccommercial\u201d basis, as defined in this section and that is operated solely for the purpose of conducting scientific research the results of which are not intended to promote any particular product or industry. A request in this category must show that the request is authorized by and is made under the auspices of a qualifying institution and that the records are sought to further scientific research and are not for a commercial use; or, (iii) Representative of the news media - Any person or entity that publishes or broadcasts news to the public, actively gathers information of potential interest to a segment of the public, uses its editorial skills to turn the raw materials into distinct work, and distributes that work to an audience. The term \u201cnews\u201d means information that is about current events or that would be of current interest to the public; and, (3) Other - All requesters who do not fall within either of the preceding two categories., Requester Service Centers serve as the primary contacts for a requester when the requester has questions, is seeking information about how the FOIA works, or to check the status of their request., Review means the examination of a record located in response to a request in order to determine whether any portion of it is exempt from disclosure. Review time includes processing any record for disclosure, such as doing all that is necessary to prepare the record for disclosure, including the process of redacting the record and marking the appropriate exemptions. Review costs are properly charged even if a record ultimately is not disclosed. Review time also includes time spent both obtaining and considering any formal objection to disclosure made by a confidential commercial information submitter under \u00a7 1202.8(f) of this part., Search means the process of looking for and retrieving records or information responsive to a request, whether manually or by electronic means. Search time includes a page-by-page or line-by-line identification of information within a record and the reasonable efforts expanded to locate and retrieve information from electronic records., Submitter means any person or entity providing confidential information to the Federal Government. The term \u201csubmitter\u201d includes, but is not limited to corporations, state governments, and foreign governments., Unusual circumstances means the need to - , (1) Search for and collect records from agencies, offices, facilities, or locations that are separate from the office processing the request;, (2) Search for, collect, and appropriately examine a voluminous amount of separate and distinct records in order to process a single request; or, (3) Consult with another agency or among two or more components of the FHFA that have a substantial interest in the determination of a request., Vaughn index means an itemized index, used in litigation, correlating each withheld document (or portion) with a specific FOIA exemption and the relevant part of the agency's nondisclosure justification.", "meta": {"chapter": ["XII"], "chapter_title": ["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"], "part": ["1202"], "part_title": ["PART 1202 - FREEDOM OF INFORMATION ACT"], "section": ["1202.2"], "section_title": ["\u00a7 1202.2 What do the terms in this part mean?"]}}
+{"text": "(a) Acceptance of notice, additional information. The FDIC shall notify the person or persons submitting a notice under this subpart in writing of the date the notice is accepted as substantially complete. The FDIC may request additional information at any time., (b) Commencement of the 60-day notice period: consummation of acquisition. (1) The 60-day notice period specified in \u00a7 303.82 shall commence on the day after the date of acceptance of a substantially complete notice by the appropriate regional director. The notificant(s) may consummate the proposed acquisition after the expiration of the 60-day notice period, unless the FDIC disapproves the proposed acquisition or extends the notice period as provided in the CBCA., (2) The notificant(s) may consummate the proposed transaction before the expiration of the 60-day period, including any extensions, if the FDIC notifies the notificant(s) in writing of its intention not to disapprove the acquisition., (c) Disapproval of acquisition of control. Subpart D of 12 CFR part 308 sets forth the rules of practice and procedure for a notice of disapproval.", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"], "part": ["303"], "part_title": ["PART 303 - FILING PROCEDURES"], "section": ["303.86"], "section_title": ["\u00a7 303.86 Processing."]}}
+{"text": "(a) Minimum purchase requirement. An institution that has been approved for membership in a Bank as provided in this part shall become a member of that Bank upon purchasing the amount of stock required under the membership stock purchase provisions of that Bank's capital structure plan. If an institution fails to purchase the minimum amount of stock required for membership within 60 calendar days after the date on which it is approved for membership, the membership approval shall become void and that institution may not become a member of that Bank until after it has filed a new application and the Bank has approved that application pursuant to the requirements of this part., (b) Issuance of stock. After approving an institution for membership, and in return for payment in full of the par value, a Bank shall issue to that institution the amount of capital stock required to be purchased under the Bank's capital structure plan., (c) Reports. Each Bank shall report to FHFA information regarding the minimum investment in Bank capital stock made by each new member referred to in paragraph (a) of this section, in accordance with the instructions provided in the Data Reporting Manual.", "meta": {"chapter": ["XII"], "chapter_title": ["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["D"], "subchapter_title": ["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"], "part": ["1263"], "part_title": ["PART 1263 - MEMBERS OF THE BANKS"], "section": ["1263.20"], "section_title": ["\u00a7 1263.20 Stock purchase."]}}
+{"text": "The NCUA Board may, at any time during the pendency of a proceeding perform, direct the performance of, or waive performance of, any act which could be done or ordered by the administrative law judge.", "meta": {"chapter": ["VII"], "chapter_title": ["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"], "part": ["747"], "part_title": ["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"], "section": ["747.4"], "section_title": ["\u00a7 747.4 Authority of the NCUA Board."]}}
+{"text": "(a) Permitted risk-mitigating hedging activities. The prohibition contained in \u00a7 248.3(a) does not apply to the risk-mitigating hedging activities of a banking entity in connection with and related to individual or aggregated positions, contracts, or other holdings of the banking entity and designed to reduce the specific risks to the banking entity in connection with and related to such positions, contracts, or other holdings., (b) Requirements. (1) The risk-mitigating hedging activities of a banking entity that has significant trading assets and liabilities are permitted under paragraph (a) of this section only if:, (i) The banking entity has established and implements, maintains and enforces an internal compliance program required by subpart D of this part that is reasonably designed to ensure the banking entity's compliance with the requirements of this section, including:, (A) Reasonably designed written policies and procedures regarding the positions, techniques and strategies that may be used for hedging, including documentation indicating what positions, contracts or other holdings a particular trading desk may use in its risk-mitigating hedging activities, as well as position and aging limits with respect to such positions, contracts or other holdings;, (B) Internal controls and ongoing monitoring, management, and authorization procedures, including relevant escalation procedures; and, (C) The conduct of analysis and independent testing designed to ensure that the positions, techniques and strategies that may be used for hedging may reasonably be expected to reduce or otherwise significantly mitigate the specific, identifiable risk(s) being hedged;, (ii) The risk-mitigating hedging activity:, (A) Is conducted in accordance with the written policies, procedures, and internal controls required under this section;, (B) At the inception of the hedging activity, including, without limitation, any adjustments to the hedging activity, is designed to reduce or otherwise significantly mitigate one or more specific, identifiable risks, including market risk, counterparty or other credit risk, currency or foreign exchange risk, interest rate risk, commodity price risk, basis risk, or similar risks, arising in connection with and related to identified positions, contracts, or other holdings of the banking entity, based upon the facts and circumstances of the identified underlying and hedging positions, contracts or other holdings and the risks and liquidity thereof;, (C) Does not give rise, at the inception of the hedge, to any significant new or additional risk that is not itself hedged contemporaneously in accordance with this section;, (D) Is subject to continuing review, monitoring and management by the banking entity that:, (1) Is consistent with the written hedging policies and procedures required under paragraph (b)(1)(i) of this section;, (2) Is designed to reduce or otherwise significantly mitigate the specific, identifiable risks that develop over time from the risk-mitigating hedging activities undertaken under this section and the underlying positions, contracts, and other holdings of the banking entity, based upon the facts and circumstances of the underlying and hedging positions, contracts and other holdings of the banking entity and the risks and liquidity thereof; and, (3) Requires ongoing recalibration of the hedging activity by the banking entity to ensure that the hedging activity satisfies the requirements set out in paragraph (b)(1)(ii) of this section and is not prohibited proprietary trading; and, (iii) The compensation arrangements of persons performing risk-mitigating hedging activities are designed not to reward or incentivize prohibited proprietary trading., (2) The risk-mitigating hedging activities of a banking entity that does not have significant trading assets and liabilities are permitted under paragraph (a) of this section only if the risk-mitigating hedging activity:, (i) At the inception of the hedging activity, including, without limitation, any adjustments to the hedging activity, is designed to reduce or otherwise significantly mitigate one or more specific, identifiable risks, including market risk, counterparty or other credit risk, currency or foreign exchange risk, interest rate risk, commodity price risk, basis risk, or similar risks, arising in connection with and related to identified positions, contracts, or other holdings of the banking entity, based upon the facts and circumstances of the identified underlying and hedging positions, contracts or other holdings and the risks and liquidity thereof; and, (ii) Is subject, as appropriate, to ongoing recalibration by the banking entity to ensure that the hedging activity satisfies the requirements set out in paragraph (b)(2) of this section and is not prohibited proprietary trading., (c) Documentation requirement. (1) A banking entity that has significant trading assets and liabilities must comply with the requirements of paragraphs (c)(2) and (3) of this section, unless the requirements of paragraph (c)(4) of this section are met, with respect to any purchase or sale of financial instruments made in reliance on this section for risk-mitigating hedging purposes that is:, (i) Not established by the specific trading desk establishing or responsible for the underlying positions, contracts, or other holdings the risks of which the hedging activity is designed to reduce;, (ii) Established by the specific trading desk establishing or responsible for the underlying positions, contracts, or other holdings the risks of which the purchases or sales are designed to reduce, but that is effected through a financial instrument, exposure, technique, or strategy that is not specifically identified in the trading desk's written policies and procedures established under paragraph (b)(1) of this section or under \u00a7 248.4(b)(2)(iii)(B) of this subpart as a product, instrument, exposure, technique, or strategy such trading desk may use for hedging; or, (iii) Established to hedge aggregated positions across two or more trading desks., (2) In connection with any purchase or sale identified in paragraph (c)(1) of this section, a banking entity must, at a minimum, and contemporaneously with the purchase or sale, document:, (i) The specific, identifiable risk(s) of the identified positions, contracts, or other holdings of the banking entity that the purchase or sale is designed to reduce;, (ii) The specific risk-mitigating strategy that the purchase or sale is designed to fulfill; and, (iii) The trading desk or other business unit that is establishing and responsible for the hedge., (3) A banking entity must create and retain records sufficient to demonstrate compliance with the requirements of this paragraph (c) for a period that is no less than five years in a form that allows the banking entity to promptly produce such records to the Board on request, or such longer period as required under other law or this part., (4) The requirements of paragraphs (c)(2) and (3) of this section do not apply to the purchase or sale of a financial instrument described in paragraph (c)(1) of this section if:, (i) The financial instrument purchased or sold is identified on a written list of pre-approved financial instruments that are commonly used by the trading desk for the specific type of hedging activity for which the financial instrument is being purchased or sold; and, (ii) At the time the financial instrument is purchased or sold, the hedging activity (including the purchase or sale of the financial instrument) complies with written, pre-approved limits for the trading desk purchasing or selling the financial instrument for hedging activities undertaken for one or more other trading desks. The limits shall be appropriate for the:, (A) Size, types, and risks of the hedging activities commonly undertaken by the trading desk;, (B) Financial instruments purchased and sold for hedging activities by the trading desk; and, (C) Levels and duration of the risk exposures being hedged.", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["248"], "part_title": ["PART 248 - PROPRIETARY TRADING AND CERTAIN INTERESTS IN AND RELATIONSHIPS WITH COVERED FUNDS (REGULATION VV)"], "section": ["248.5"], "section_title": ["\u00a7 248.5 Permitted risk-mitigating hedging activities."]}}
+{"text": "(a) Any offering circular, amendment, or exhibit may be withdrawn prior to the effective date. A withdrawal shall be signed and state the grounds upon which it is made. Any document withdrawn will not be removed from the files of the FDIC, but will be marked \u201cWithdrawn upon the request of the issuer on (date).\u201d, (b) When an offering circular or amendment has been on file with the FDIC for a period of nine months and has not become effective, the FDIC may, in its discretion, determine whether the filing has been abandoned, after notifying the issuer that the filing is out of date and must either be amended to comply with the applicable requirements of this subpart or be withdrawn within 30 days after the date of such notice. When a filing is abandoned, the filing will not be removed from the files of the FDIC, but will be marked \u201cDeclared abandoned by the FDIC on (date).\u201d", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"], "part": ["390"], "part_title": ["PART 390 - REGULATIONS TRANSFERRED FROM THE OFFICE OF THRIFT SUPERVISION"], "section": ["390.420"], "section_title": ["\u00a7 390.420 Withdrawal or abandonment."]}}
+{"text": "The Farm Credit Leasing Services Corporation may enter into a lease agreement with a lessee if the consolidated amount of all leases and undisbursed commitments to that lessee or any related entities does not exceed 15 percent of its lending and leasing limit base.", "meta": {"chapter": ["VI"], "chapter_title": ["CHAPTER VI - FARM CREDIT ADMINISTRATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - FARM CREDIT SYSTEM"], "part": ["614"], "part_title": ["PART 614 - LOAN POLICIES AND OPERATIONS"], "section": ["614.4356"], "section_title": ["\u00a7 614.4356 Farm Credit Leasing Services Corporation."]}}
+{"text": "(a) General. With the prior written consent of the Board, the concentration limit under \u00a7 251.3 shall not apply to:, (1) A covered acquisition of an insured depository institution that is in default or in danger of default (as determined by the appropriate Federal banking agency of the insured depository institution, in consultation with the Board);, (2) A covered acquisition with respect to which assistance is provided by the Federal Deposit Insurance Corporation under section 13(c) of the Federal Deposit Insurance Act (12 U.S.C. 1823(c)); or, (3) A covered acquisition that would result in an increase in the liabilities of the financial company that does not exceed $2 billion, when aggregated with all other acquisitions by the financial company made pursuant to this paragraph (a)(3) during the twelve months preceding the projected date of the acquisition., (b) Prior written consent - (1) General. Except as provided in paragraph (c) of this section, a financial company must request that the Board provide prior written consent before the financial company consummates a transaction described in paragraph (a) of this section., (2) Contents of request. (i) A request for prior written consent under paragraph (a) of this section must contain:, (A) A description of the covered acquisition;, (B) The projected increase in the company's liabilities resulting from the acquisition;, (C) If the request is made pursuant to paragraph (a)(3) of this section, the projected aggregate increase in the company's liabilities from acquisitions during the twelve months preceding the projected date of the acquisition; and, (D) Any additional information requested by the Board., (ii) A financial company may satisfy the requirements of this paragraph (b) if:, (A) The proposed transaction otherwise requires approval by, or prior notice to, the Board under the Change in Bank Control Act, Bank Holding Company Act, Home Owners' Loan Act, International Banking Act, or any other applicable statute, and any regulation thereunder; and, (B) The financial company includes the information required in paragraph (b)(2) of this section in the notice or request for prior approval described in paragraph (b)(2)(ii)(A) of this section., (3) Procedures for providing written consent. (i) The Board will act on a request for prior written consent filed under this paragraph (b) within 90 calendar days after the receipt of a complete request, unless that time period is extended by the Board. To the extent that a proposed transaction otherwise requires approval from, or prior notice to, the Board under another provision of law, the Board will act on that request for prior written consent concurrently with its action on the request for approval or notice., (ii) In acting on a request under this paragraph (b), the Board will consider whether the consummation of the covered acquisition could pose a threat to financial stability., (c) General consent. The Board grants prior written consent for a covered acquisition that would result in an increase in the liabilities of the financial company that does not exceed $100 million, when aggregated with all other covered acquisitions by the financial company made pursuant to this paragraph (c) during the twelve months preceding the date of the acquisition. A financial company that relies on prior written consent pursuant to this paragraph (c) must provide a notice to the Board within 10 days after consummating the covered acquisition that describes the covered acquisition, the increase in the company's liabilities resulting from the acquisition, and the aggregate increase in the company's liabilities from covered acquisitions during the twelve months preceding the date of the acquisition.", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["251"], "part_title": ["PART 251 - CONCENTRATION LIMIT (REGULATION XX)"], "section": ["251.4"], "section_title": ["\u00a7 251.4 Exceptions to the concentration limit."]}}
+{"text": "(a) Higher-priced mortgage loans - (1) For purposes of this section, except as provided in paragraph (b)(3)(v) of this section, a higher-priced mortgage loan is a consumer credit transaction secured by the consumer's principal dwelling with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for loans secured by a first lien on a dwelling, or by 3.5 or more percentage points for loans secured by a subordinate lien on a dwelling., (2) \u201cAverage prime offer rate\u201d means an annual percentage rate that is derived from average interest rates, points, and other loan pricing terms currently offered to consumers by a representative sample of creditors for mortgage transactions that have low-risk pricing characteristics. The Board publishes average prime offer rates for a broad range of types of transactions in a table updated at least weekly as well as the methodology the Board uses to derive these rates., (3) Notwithstanding paragraph (a)(1) of this section, the term \u201chigher-priced mortgage loan\u201d does not include a transaction to finance the initial construction of a dwelling, a temporary or \u201cbridge\u201d loan with a term of twelve months or less, such as a loan to purchase a new dwelling where the consumer plans to sell a current dwelling within twelve months, a reverse-mortgage transaction subject to \u00a7 226.33, or a home equity line of credit subject to \u00a7 226.5b., (b) Rules for higher-priced mortgage loans. Higher-priced mortgage loans are subject to the following restrictions:, (1) Repayment ability. A creditor shall not extend credit based on the value of the consumer's collateral without regard to the consumer's repayment ability as of consummation as provided in \u00a7 226.34(a)(4)., (2) Prepayment penalties. A loan may not include a penalty described by \u00a7 226.32(d)(6) unless:, (i) The penalty is otherwise permitted by law, including \u00a7 226.32(d)(7) if the loan is a mortgage transaction described in \u00a7 226.32(a); and, (ii) Under the terms of the loan - , (A) The penalty will not apply after the two-year period following consummation;, (B) The penalty will not apply if the source of the prepayment funds is a refinancing by the creditor or an affiliate of the creditor; and, (C) The amount of the periodic payment of principal or interest or both may not change during the four-year period following consummation., (3) Escrows - (i) Failure to escrow for property taxes and insurance. Except as provided in paragraph (b)(3)(ii) of this section, a creditor may not extend a loan secured by a first lien on a principal dwelling unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss., (ii) Exemptions for loans secured by shares in a cooperative and for certain condominium units - (A) Escrow accounts need not be established for loans secured by shares in a cooperative; and, (B) Insurance premiums described in paragraph (b)(3)(i) of this section need not be included in escrow accounts for loans secured by condominium units, where the condominium association has an obligation to the condominium unit owners to maintain a master policy insuring condominium units., (iii) Cancellation. A creditor or servicer may permit a consumer to cancel the escrow account required in paragraph (b)(3)(i) of this section only in response to a consumer's dated written request to cancel the escrow account that is received no earlier than 365 days after consummation., (iv) Definition of escrow account. For purposes of this section, \u201cescrow account\u201d shall have the same meaning as in 24 CFR 3500.17(b) as amended., (v) \u201cJumbo\u201d loans. For purposes of this \u00a7 226.35(b)(3), for a transaction with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac, the coverage threshold set forth in paragraph (a)(1) of this section for loans secured by a first lien on a dwelling shall be 2.5 or more percentage points greater than the applicable average prime offer rate., (4) Evasion; open-end credit. In connection with credit secured by a consumer's principal dwelling that does not meet the definition of open-end credit in \u00a7 226.2(a)(20), a creditor shall not structure a home-secured loan as an open-end plan to evade the requirements of this section.", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["226"], "part_title": ["PART 226 - TRUTH IN LENDING (REGULATION Z)"], "section": ["226.35"], "section_title": ["\u00a7 226.35 Prohibited acts or practices in connection with higher-priced mortgage loans."]}}
+{"text": "(a) An Enterprise must use its advanced systems to determine its credit risk capital requirements for each of the following exposures:, (1) General credit risk (including for mortgage exposures);, (2) Cleared transactions;, (3) Default fund contributions;, (4) Unsettled transactions;, (5) Securitization exposures;, (6) Equity exposures; and, (7) The fair value adjustment to reflect counterparty credit risk in valuation of OTC derivative contracts., (b) The credit-risk-weighted assets calculated under this subpart E equals the aggregate credit risk capital requirement under paragraph (a) of this section multiplied by 12.5.", "meta": {"chapter": ["XII"], "chapter_title": ["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["C"], "subchapter_title": ["SUBCHAPTER C - ENTERPRISES"], "part": ["1240"], "part_title": ["PART 1240 - CAPITAL ADEQUACY OF ENTERPRISES"], "section": ["1240.123"], "section_title": ["\u00a7 1240.123 Advanced approaches credit risk-weighted asset calculations."]}}
+{"text": "The Board has established minimum capital levels for state member banks and bank holding companies in its Capital Adequacy Guidelines. The Board may set higher capital levels as necessary and appropriate for a particular state member bank or bank holding company based upon its financial condition, managerial resources, prospects, or similar factors, pursuant to the procedures set forth in \u00a7 263.85 of this subpart.", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["263"], "part_title": ["PART 263 - RULES OF PRACTICE FOR HEARINGS"], "section": ["263.82"], "section_title": ["\u00a7 263.82 Establishment of minimum capital levels."]}}
+{"text": "Upon the completion of the liquidation and certification by the agent for the liquidating agent that the distribution of the assets of the Federal credit union has been completed, the NCUA Board shall cancel the charter of the Federal credit union concerned. ", "meta": {"chapter": ["VII"], "chapter_title": ["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"], "part": ["747"], "part_title": ["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"], "section": ["747.406"], "section_title": ["\u00a7 747.406 Cancellation of charter."]}}
+{"text": "In connection with adjudication with respect to which a formal hearing is required by law or is ordered by the Board, the procedure is set forth in part 263 of this chapter, entitled \u201cRules of Practice for Formal Hearings.\u201d ", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["262"], "part_title": ["PART 262 - RULES OF PROCEDURE"], "section": ["262.4"], "section_title": ["\u00a7 262.4 Adjudication with formal hearing."]}}
+{"text": "(a) Covered convictions and agreements. Except as described in \u00a7 238.85, this subpart covers:, (1) Any conviction of a criminal offense involving dishonesty, breach of trust, or money laundering. Convictions do not cover arrests, pending cases not brought to trial, acquittals, convictions reversed on appeal, pardoned convictions, or expunged convictions., (2) Any agreement to enter into a pretrial diversion or similar program in connection with a prosecution for a criminal offense involving dishonesty, breach of trust or money laundering. A pretrial diversion or similar program is a program involving a suspension or eventual dismissal of charges or of a criminal prosecution based upon an agreement for treatment, rehabilitation, restitution, or other non-criminal or non-punitive alternative., (b) Dishonesty or breach of trust. A determination whether a criminal offense involves dishonesty or breach of trust is based on the statutory elements of the crime., (1) \u201cDishonesty\u201d means directly or indirectly to cheat or defraud, to cheat or defraud for monetary gain or its equivalent, or to wrongfully take property belonging to another in violation of any criminal statute. Dishonesty includes acts involving a want of integrity, lack of probity, or a disposition to distort, cheat, or act deceitfully or fraudulently, and may include crimes which federal, state or local laws define as dishonest., (2) \u201cBreach of trust\u201d means a wrongful act, use, misappropriation, or omission with respect to any property or fund which has been committed to a person in a fiduciary or official capacity, or the misuse of one's official or fiduciary position to engage in a wrongful act, use, misappropriation, or omission.", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["238"], "part_title": ["PART 238 - SAVINGS AND LOAN HOLDING COMPANIES (REGULATION LL)"], "section": ["238.84"], "section_title": ["\u00a7 238.84 Covered convictions or agreements to enter into pre-trial diversions or similar programs."]}}
+{"text": "For purposes of this part, unless explicitly stated otherwise:, (a) Act means the Fair Credit Reporting Act (15 U.S.C. 1681 et seq.)., (b) Affiliate means any company that is related by common ownership or common corporate control with another company., (c) Reserved, (d) Company means any corporation, limited liability company, business trust, general or limited partnership, association, or similar organization., (e) Consumer means an individual., (f)-(h) Reserved, (i) Common ownership or common corporate control means a relationship between two companies under which:, (1) One company has, with respect to the other company:, (i) Ownership, control, or power to vote 25 percent or more of the outstanding shares of any class of voting security of a company, directly or indirectly, or acting through one or more other persons;, (ii) Control in any manner over the election of a majority of the directors, trustees, or general partners (or individuals exercising similar functions) of a company; or, (iii) The power to exercise, directly or indirectly, a controlling influence over the management or policies of a company, as the FDIC determines; or, (2) Any other person has, with respect to both companies, a relationship described in paragraphs (i)(1)(i) through (i)(1)(iii) of this section., (j) Reserved, (k) Medical information means:, (1) Information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to:, (i) The past, present, or future physical, mental, or behavioral health or condition of an individual;, (ii) The provision of health care to an individual; or, (iii) The payment for the provision of health care to an individual., (2) The term does not include:, (i) The age or gender of a consumer;, (ii) Demographic information about the consumer, including a consumer's residence address or e-mail address;, (iii) Any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy; or, (iv) Information that does not identify a specific consumer., (l) Person means any individual, partnership, corporation, trust, estate cooperative, association, government or governmental subdivision or agency, or other entity., (m) State savings association has the same meaning as in section 3(b)(3) of the Federal Deposit Insurance Act, 12 U.S.C. 1813(b)(3).", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"], "part": ["334"], "part_title": ["PART 334 - FAIR CREDIT REPORTING"], "section": ["334.3"], "section_title": ["\u00a7 334.3 Definitions."]}}
+{"text": "(a) General. For filings subject to a public notice requirement, any person may inspect or request a copy of the non-confidential portions of a filing (the public file) until 180 days following final disposition of a filing. Following the 180-day period, non-confidential portions of an application file will be made available in accordance with ' 303.8(c). The public file generally consists of portions of the filing, supporting data, supplementary information, and comments submitted by interested persons (if any) to the extent that the documents have not been afforded confidential treatment. To view or request photocopies of the public file, an oral or written request should be submitted to the appropriate FDIC office. The public file will be produced for review not more than one business day after receipt by the appropriate FDIC office of the request (either written or oral) to see the file. The FDIC may impose a fee for photocopying in accordance with \u00a7 309.5(f) of this chapter at the rates the FDIC publishes annually in the Federal Register., (b) Confidential treatment. (1) The applicant may request that specific information be treated as confidential. The following information generally is considered confidential:, (i) Personal information, the release of which would constitute a clearly unwarranted invasion of privacy;, (ii) Commercial or financial information, the disclosure of which could result in substantial competitive harm to the submitter; and, (iii) Information, the disclosure of which could seriously affect the financial condition of any depository institution., (2) If an applicant requests confidential treatment for information that the FDIC does not consider to be confidential, the FDIC may include that information in the public file after notifying the applicant. On its own initiative, the FDIC may determine that certain information should be treated as confidential and withhold that information from the public file. , (c) FOIA requests. A written request for information withheld from the public file, or copies of the public file following closure of the file 180 days after final disposition, should be submitted pursuant to the Freedom of Information Act (5 U.S.C. 552) and part 309 of this chapter to the FDIC, Attn: FOIA/Privacy Group, Legal Division, 550 17th Street, NW., Washington, DC 20429.", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"], "part": ["303"], "part_title": ["PART 303 - FILING PROCEDURES"], "section": ["303.8"], "section_title": ["\u00a7 303.8 Public access to filing."]}}
+{"text": "The FDIC may impose such conditions on authority granted in this subpart as it considers appropriate. If a bank is unable or fails to comply with the requirements of this subpart or any conditions imposed by the FDIC regarding transactions under this subpart, the FDIC may require termination of any activities or divestiture of investments permitted under this subpart after giving the bank notice and a reasonable opportunity to be heard on the matter.", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"], "part": ["347"], "part_title": ["PART 347 - INTERNATIONAL BANKING"], "section": ["347.122"], "section_title": ["\u00a7 347.122 Limitations applicable to the authority provided in this subpart."]}}
+{"text": "When a credit balance in excess of $1 is created in connection with a transaction (through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of a consumer), the creditor shall:, (a) Credit the amount of the credit balance to the consumer's account;, (b) Refund any part of the remaining credit balance, upon the written request of the consumer; and, (c) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumer's current location is not known to the creditor and cannot be traced through the consumer's last known address or telephone number.", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["226"], "part_title": ["PART 226 - TRUTH IN LENDING (REGULATION Z)"], "section": ["226.21"], "section_title": ["\u00a7 226.21 Treatment of credit balances."]}}
+{"text": "Upon a change in circumstances, an institution may request the Farm Credit Administration to reconsider the terms of its capital directive or may propose changes in the plan to achieve the institution's applicable minimum capital ratios. The Farm Credit Administration also may take such action on its own motion. The Farm Credit Administration may decline to consider requests or proposals that are not based on a significant change in circumstances or are repetitive or frivolous. Pending a decision on reconsideration, the capital directive and plan shall continue in full force and effect. ", "meta": {"chapter": ["VI"], "chapter_title": ["CHAPTER VI - FARM CREDIT ADMINISTRATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - FARM CREDIT SYSTEM"], "part": ["615"], "part_title": ["PART 615 - FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS"], "section": ["615.5360"], "section_title": ["\u00a7 615.5360 Reconsideration based on change in circumstances."]}}
+{"text": "For purposes of this part: , (a) The term Corporation means the Federal Deposit Insurance Corporation; , (b) The term individual means a natural person who is either a citizen of the United States or an alien lawfully admitted for permanent residence; , (c) The term maintain includes maintain, collect, use, disseminate, or control; , (d) The term record means any item, collection or grouping of information about an individual that contains his/her name, or the identifying number, symbol, or other identifying particular assigned to the individual; , (e) The term system of records means a group of any records under the control of the Corporation from which information is retrieved by the name of the individual or some identifying number, symbol or other identifying particular assigned to the individual; , (f) The term designated system of records means a system of records which has been listed and summarized in the Federal Register pursuant to the requirements of 5 U.S.C. 552a(e); , (g) The term routine use means, with respect to disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was created; , (h) The terms amend or amendment mean any correction, addition to or deletion from a record; and , (i) The term system manager means the agency official responsible for a designated system of records, as denominated in the Federal Register publication of \u201cSystems of Records Maintained by the Federal Deposit Insurance Corporation.\u201d", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"], "part": ["310"], "part_title": ["PART 310 - PRIVACY ACT REGULATIONS"], "section": ["310.2"], "section_title": ["\u00a7 310.2 Definitions."]}}
+{"text": "(a) No limiting effect on resolution proceedings. A resolution plan submitted pursuant to this part shall not have any binding effect on FHFA when appointed as conservator or receiver under 12 U.S.C. 4617., (b) No private right of action. Nothing in this part creates or is intended to create a private right of action based on a resolution plan prepared or submitted under this part or based on any action taken by FHFA with respect to any resolution plan submitted under this part.", "meta": {"chapter": ["XII"], "chapter_title": ["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["C"], "subchapter_title": ["SUBCHAPTER C - ENTERPRISES"], "part": ["1242"], "part_title": ["PART 1242 - RESOLUTION PLANNING"], "section": ["1242.8"], "section_title": ["\u00a7 1242.8 No limiting effect or private right of action."]}}
+{"text": "(a) When required. The Corporation will maintain a complete transcript, identifying each speaker, to record fully the proceedings of each meeting or portion of a meeting closed to the public, except that in the case of a meeting or portions of a meeting closed to the public pursuant to paragraph (b)(8), (9)(i), or (10) of \u00a7 311.3, the Corporation may, in lieu of a transcript, maintain a set of minutes. , (b) Content of minutes. If minutes are maintained, they will fully and clearly describe all matters discussed and will provide a full and accurate summary of any actions taken, and the reasons for taking such action. Minutes will also include a description of each of the views expressed by each person in attendance on any item and the record of any roll call vote, reflecting the vote of each member. All documents considered in connection with any action will be identified in the minutes. , (c) Available material. The Corporation will maintain a complete verbatim copy of the transcript or minutes of each meeting or portion of a meeting closed to the public for a period of at least 2 years after the meeting, or until 1 year after the conclusion of any proceeding with respect to which the meeting or portion was held, whichever occurs later. The Corporation will make promptly available to the public the transcript, identifying each speaker, or minutes of items on the agenda or testimony of any witness received at the closed meeting except that in cases where the Privacy Act of 1974 (5 U.S.C. 552a) does not apply, the Corporation may withhold information exempt from disclosure under \u00a7 311.3(b). For the convenience of members of the public who may be unable to attend open meetings of the Board, the Corporation will maintain for at least 2 years a set of minutes of each meeting of the Board or portion thereof open to public observation. , (d) Procedures for inspecting or copying available material. (1) An individual may inspect materials made available under paragraph (c) of this section at the offices of the Executive Secretary, Federal Deposit Insurance Corporation, 550 17th Street, NW., Washington, DC 20429, during normal business hours. If the individual desires a copy of such material, the Corporation will furnish copies at a cost of 10 cents per page. Whenever the Corporation determines that in the public interest a reduction or waiver is warranted, it may reduce or waive any fees imposed under this section. , (2) An individual may also submit a written request for transcripts or minutes, reasonably identifying the records sought, to the Executive Secretary, Federal Deposit Insurance Corporation, 550 17th Street, NW., Washington, DC 20429. , (e) Procedures for obtaining documents identified in minutes. Copies of documents identified in minutes or considered by the Board in connection with any action identified in the minutes may be made available to the public upon request, to the extent permitted by the Freedom of Information Act, under the provisions of 12 CFR part 309, Disclosure of Information. ", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"], "part": ["311"], "part_title": ["PART 311 - RULES GOVERNING PUBLIC OBSERVATION OF MEETINGS OF THE CORPORATION'S BOARD OF DIRECTORS"], "section": ["311.8"], "section_title": ["\u00a7 311.8 Transcripts and minutes of meetings."]}}
+{"text": "(a) Request for expedited processing. You may request, in writing, expedited processing of an initial request or of an appeal. FHFA may grant expedited processing, and give your request or appeal priority if your request for expedited processing demonstrates a compelling need by establishing one or more of the following - , (1) Circumstances in which the lack of expedited treatment could reasonably be expected to pose an imminent threat to the life or physical safety of an individual;, (2) An urgency to inform the public about an actual or alleged Federal Government activity if you are a person primarily engaged in disseminating information;, (3) The loss of substantial due process or rights;, (4) A matter of widespread and exceptional media interest in which there exists possible questions about the Federal Government's integrity, affecting public confidence; or, (5) Humanitarian need., (b) Certification of compelling need. Your request for expedited processing must include a statement certifying that the reason(s) you present demonstrate a compelling need are true and correct to the best of your knowledge., (c) Determination on request. FHFA will notify you within 10 calendar days of receipt of your request whether expedited processing has been granted. If a request for expedited treatment is granted, the request will be given priority and will be processed as soon as practicable. If a request for expedited processing is denied, any appeal of that decision under \u00a7 1202.9 of this part will be acted on expeditiously.", "meta": {"chapter": ["XII"], "chapter_title": ["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"], "part": ["1202"], "part_title": ["PART 1202 - FREEDOM OF INFORMATION ACT"], "section": ["1202.10"], "section_title": ["\u00a7 1202.10 Will FHFA expedite my request or appeal?"]}}
+{"text": "Where the investigator has found that a prima facie case does not exist, a party, including an intervenor but excluding the respondent or other parties having the same interest as the respondent, within 5 days after receiving the Center's determination may petition the panel to set aside the determination and to cause formal proceedings, set forth in \u00a7 269b.410, to be invoked. The panel may grant such petition only on grounds that the Center or its agents were arbitrary, capricious, or acted contrary to law or the policy, or that the investigator's determination is clearly erroneous. The filing requirements for such a petition shall be the same as that for the filing of a charge, as set forth in \u00a7 269b.111. ", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["269b"], "part_title": ["PART 269b - CHARGES OF UNFAIR LABOR PRACTICES"], "section": ["269b.310"], "section_title": ["\u00a7 269b.310 Appeal rights."]}}
+{"text": "(a)(1) Information you receive under an exception. If you receive nonpublic personal information from a nonaffiliated financial institution under an exception in \u00a7 332.14 or 332.15 of this part, your disclosure and use of that information is limited as follows: , (i) You may disclose the information to the affiliates of the financial institution from which you received the information; , (ii) You may disclose the information to your affiliates, but your affiliates may, in turn, disclose and use the information only to the extent that you may disclose and use the information; and , (iii) You may disclose and use the information pursuant to an exception in \u00a7 332.14 or 332.15 in the ordinary course of business to carry out the activity covered by the exception under which you received the information. , (2) Example. If you receive a customer list from a nonaffiliated financial institution in order to provide account processing services under the exception in \u00a7 332.14(a), you may disclose that information under any exception in \u00a7 332.14 or 332.15 in the ordinary course of business in order to provide those services. For example, you could disclose the information in response to a properly authorized subpoena or to your attorneys, accountants, and auditors. You could not disclose that information to a third party for marketing purposes or use that information for your own marketing purposes. , (b)(1) Information you receive outside of an exception. If you receive nonpublic personal information from a nonaffiliated financial institution other than under an exception in \u00a7 332.14 or 332.15 of this part, you may disclose the information only: , (i) To the affiliates of the financial institution from which you received the information; , (ii) To your affiliates, but your affiliates may, in turn, disclose the information only to the extent that you can disclose the information; and , (iii) To any other person, if the disclosure would be lawful if made directly to that person by the financial institution from which you received the information. , (2) Example. If you obtain a customer list from a nonaffiliated financial institution outside of the exceptions in \u00a7 332.14 and 332.15: , (i) You may use that list for your own purposes; and , (ii) You may disclose that list to another nonaffiliated third party only if the financial institution from which you purchased the list could have lawfully disclosed the list to that third party. That is, you may disclose the list in accordance with the privacy policy of the financial institution from which you received the list, as limited by the opt out direction of each consumer whose nonpublic personal information you intend to disclose, and you may disclose the list in accordance with an exception in \u00a7 332.14 or 332.15, such as to your attorneys or accountants. , (c) Information you disclose under an exception. If you disclose nonpublic personal information to a nonaffiliated third party under an exception in \u00a7 332.14 or 332.15 of this part, the third party may disclose and use that information only as follows: , (1) The third party may disclose the information to your affiliates; , (2) The third party may disclose the information to its affiliates, but its affiliates may, in turn, disclose and use the information only to the extent that the third party may disclose and use the information; and , (3) The third party may disclose and use the information pursuant to an exception in \u00a7 332.14 or 332.15 in the ordinary course of business to carry out the activity covered by the exception under which it received the information. , (d) Information you disclose outside of an exception. If you disclose nonpublic personal information to a nonaffiliated third party other than under an exception in \u00a7 332.14 or 332.15 of this part, the third party may disclose the information only: , (1) To your affiliates; , (2) To its affiliates, but its affiliates, in turn, may disclose the information only to the extent the third party can disclose the information; and, (3) To any other person, if the disclosure would be lawful if you made it directly to that person. ", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"], "part": ["332"], "part_title": ["PART 332 - PRIVACY OF CONSUMER FINANCIAL INFORMATION"], "section": ["332.11"], "section_title": ["\u00a7 332.11 Limits on redisclosure and reuse of information."]}}
+{"text": "At the time of the request for access or correction or at any other time, an individual may request an accounting of disclosures made of the individual's record outside the NCUA. Request for accounting shall be directed to the system manager. Any available accounting, whether kept in accordance with the requirements of the Privacy Act or under procedures established prior to September 27, 1975, shall be made available to the individual, except that an accounting need not be made available if it relates to: , (a) A disclosure made pursuant to the Freedom of Information Act (5 U.S.C. 552); , (b) A disclosure made within the NCUA; , (c) A disclosure made to a law enforcement agency pursuant to 5 U.S.C. 552a(b)(7); , (d) A disclosure which has been exempted from the provisions of 5 U.S.C. 552a(c)(3) pursuant to 5 U.S.C. 552a (j) or (k). ", "meta": {"chapter": ["VII"], "chapter_title": ["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"], "part": ["792"], "part_title": ["PART 792 - REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION"], "section": ["792.62"], "section_title": ["\u00a7 792.62 Requests for accounting for disclosures."]}}
+{"text": "(a) Section 2 of the Act of June 29, 1949 (Pub. L. 142 - 81st Congress), amended the Bretton Woods Agreements Act by adding a new section numbered 15 providing, in part, that - , Any securities issued by International Bank for Reconstruction and Development (including any guaranty by the bank, whether or not limited in scope), and any securities guaranteed by the bank as to both principal and interest, shall be deemed to be exempted securities within the meaning of * * * paragraph (a)(12) of section 3 of the Securities Exchange Act of June 6, 1934, as amended (15 U.S.C. 78c). * * *., (b) In response to inquiries with respect to the applicability of the margin requirements of this part to securities issued or guaranteed by the International Bank for Reconstruction and Development, the Board has replied that, as a result of this enactment, securities issued by the Bank are now classified as exempted securities under \u00a7 220.2(e). Such securities are now in the same category under this part as are United States Government, State and municipal bonds. Accordingly, the specific percentage limitations prescribed by this part with respect to maximum loan value and margin requirements are no longer applicable thereto. ", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["220"], "part_title": ["PART 220 - CREDIT BY BROKERS AND DEALERS (REGULATION T)"], "section": ["220.108"], "section_title": ["\u00a7 220.108 International Bank Securities."]}}
+{"text": "We may waive the prohibitions for entities other than individuals for good cause shown at our discretion when our need to contract for your services outweighs all relevant factors. The statute does not allow us to waive the prohibitions for individuals. ", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"], "part": ["366"], "part_title": ["PART 366 - MINIMUM STANDARDS OF INTEGRITY AND FITNESS FOR AN FDIC CONTRACTOR"], "section": ["366.7"], "section_title": ["\u00a7 366.7 Will the FDIC waive the prohibitions under \u00a7 366.3?"]}}
+{"text": "(a) Calculating the numerator and denominator for single-family housing goals. Performance under each of the single-family housing goals shall be measured using a fraction that is converted into a percentage. Neither the numerator nor the denominator shall include Enterprise transactions or activities that are not mortgage purchases as defined by FHFA or that are specifically excluded as ineligible under \u00a7 1282.16(b)., (1) The numerator. The numerator of each fraction is the number of mortgage purchases of an Enterprise in a particular year that finance owner-occupied single-family properties that count toward achievement of a particular single-family housing goal., (2) The denominator. The denominator of each fraction is the total number of mortgage purchases of an Enterprise in a particular year that finance owner-occupied single-family properties. A separate denominator shall be calculated for purchase money mortgages and for refinancing mortgages., (b) Counting owner-occupied units. (1) Mortgage purchases financing owner-occupied single-family properties shall be evaluated based on the income of the mortgagors and the area median income at the time the mortgage was originated. To determine whether mortgages may be counted under a particular family income level, i.e., low- or very low-income, the income of the mortgagors is compared to the median income for the area at the time the mortgage was originated, using the appropriate percentage factor provided under \u00a7 1282.17., (2) Mortgage purchases financing owner-occupied single-family properties for which the income of the mortgagors is not available shall be included in the denominator for the single-family housing goals and subgoal, but such mortgages shall not be counted in the numerator of any single-family housing goal or subgoal., (c) Counting dwelling units for multifamily housing goal and subgoals. Performance under the multifamily housing goal and subgoals shall be measured by counting the number of dwelling units that count toward achievement of a particular housing goal or subgoal in all multifamily properties financed by mortgages purchased by an Enterprise in a particular year. Only dwelling units that are financed by mortgage purchases, as defined by FHFA, and that are not specifically excluded as ineligible under \u00a7 1282.16(b), may be counted for purposes of the multifamily housing goal and subgoals., (d) Counting rental units - (1) Use of rent. For purposes of counting rental units toward achievement of the multifamily housing goal and subgoals, mortgage purchases financing such units shall be evaluated based on rent and whether the rent is affordable to the income group targeted by the housing goal and subgoals. A rent is affordable if the rent does not exceed the maximum levels as provided in \u00a7 1282.19., (2) Affordability of rents based on housing program requirements. Where a multifamily property is subject to an affordability restriction under a housing program that establishes the maximum permitted income level for a tenant or a prospective tenant or the maximum permitted rent, the affordability of units in the property may be determined based on the maximum permitted income level or maximum permitted rent established under such housing program for those units. If using income, the maximum income level must be no greater than the maximum income level for each goal, adjusted for family or unit size as provided in \u00a7 1282.17 or \u00a7 1282.18, as appropriate. If using rent, the maximum rent level must be no greater than the maximum rent level for each goal, adjusted for unit size as provided in \u00a7 1282.19., (3) Unoccupied units. Anticipated rent for unoccupied units may be the market rent for similar units in the neighborhood as determined by the lender or appraiser for underwriting purposes. A unit in a multifamily property that is unoccupied because it is being used as a model unit or rental office may be counted for purposes of the multifamily housing goal and subgoals only if an Enterprise determines that the number of such units is reasonable and minimal considering the size of the multifamily property., (4) Timeliness of information. In evaluating affordability under the multifamily housing goal and subgoals, each Enterprise shall use tenant and rental information as of the time of mortgage acquisition., (e) Missing data or information for multifamily housing goal and subgoals. (1) Rental units for which bedroom data are missing shall be considered efficiencies for purposes of calculating unit affordability., (2) When an Enterprise lacks sufficient information to determine whether a rental unit in a property securing a multifamily mortgage purchased by an Enterprise counts toward achievement of the multifamily housing goal or subgoals because rental data is not available, an Enterprise's performance with respect to such unit may be evaluated using estimated affordability information by multiplying the number of rental units with missing affordability information in properties securing multifamily mortgages purchased by the Enterprise in each census tract by the percentage of all rental dwelling units in the respective tracts that would count toward achievement of each goal and subgoal, as determined by FHFA., (3) The estimation methodology in paragraph (e)(2) of this section may be used up to a nationwide maximum of 5 percent of the total number of rental units in properties securing multifamily mortgages purchased by the Enterprise in the current year. Multifamily rental units in excess of this maximum, and any units for which estimation information is not available, shall not be counted for purposes of the multifamily housing goal and subgoals., (f) Credit toward multiple goals. A mortgage purchase (or dwelling unit financed by such purchase) by an Enterprise in a particular year shall count toward the achievement of each housing goal for which such purchase (or dwelling unit) qualifies in that year., (g) Application of median income. For purposes of determining an area's median income under \u00a7\u00a7 1282.17 through 1282.19 and the definitions in \u00a7 1282.1, the area is:, (1) The metropolitan area, if the property which is the subject of the mortgage is in a metropolitan area; and, (2) In all other areas, the county in which the property is located, except that where the State non-metropolitan median income is higher than the county's median income, the area is the State non-metropolitan area., (h) Sampling not permitted. Performance under the housing goals for each year shall be based on a complete tabulation of mortgage purchases (or dwelling units) for that year; a sampling of such purchases (or dwelling units) is not acceptable.", "meta": {"chapter": ["XII"], "chapter_title": ["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["E"], "subchapter_title": ["SUBCHAPTER E - HOUSING GOALS AND MISSION"], "part": ["1282"], "part_title": ["PART 1282 - ENTERPRISE HOUSING GOALS AND MISSION"], "section": ["1282.15"], "section_title": ["\u00a7 1282.15 General counting requirements."]}}
+{"text": "A qualified lender must:, (a) Disclose the effective interest rate and other information required by subparts B and C of this part clearly and conspicuously in writing, in a form that is easy to read and understand and that the borrower may keep; and, (b) Not combine the disclosures with any information not directly related to the information required by \u00a7\u00a7 617.7130 and 617.7135.", "meta": {"chapter": ["VI"], "chapter_title": ["CHAPTER VI - FARM CREDIT ADMINISTRATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - FARM CREDIT SYSTEM"], "part": ["617"], "part_title": ["PART 617 - BORROWER RIGHTS"], "section": ["617.7120"], "section_title": ["\u00a7 617.7120 How should a qualified lender present the disclosures to a borrower?"]}}
+{"text": "The FDIC may sue any employer for any amount that the employer fails to withhold from wages owed and payable to its employee in accordance with this subpart. However, a suit will not be filed before the termination of the collection action involving a particular debtor, unless earlier filing is necessary to avoid expiration of any applicable statute of limitations. For purposes of this subpart, \u201ctermination of the collection action\u201d occurs when the agency has terminated collection action in accordance with the FCCS (31 CFR 903.1 through 903.5) or other applicable standards. In any event, termination of the collection action will have been deemed to occur if the FDIC has not received any payments to satisfy the debt from the particular debtor whose wages were subject to garnishment, in whole or in part, for a period of one (1) year. ", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"], "part": ["313"], "part_title": ["PART 313 - PROCEDURES FOR COLLECTION OF CORPORATE DEBT, CRIMINAL RESTITUTION DEBT, AND CIVIL MONEY PENALTY DEBT"], "section": ["313.101"], "section_title": ["\u00a7 313.101 Right of action."]}}
+{"text": "(a) Responsibility of FHFA as the creditor agency. (1) FHFA shall be responsible for:, (i) Arranging for a hearing upon proper request by a Federal employee;, (ii) Preparing the Notice of Intent consistent with the requirements of \u00a7 1208.21;, (iii) Obtaining hearing officials from other agencies pursuant to \u00a7 1208.23(b); and, (iv) Ensuring that each certification of debt pursuant to \u00a7 1208.24(b) is sent to a paying agency., (2) Upon completion of the procedures set forth in \u00a7\u00a7 1208.24 through 1208.26, FHFA shall submit to the employee's paying agency, if applicable, a certified debt claim and an installment agreement or other instruction on the payment schedule., (i) If the employee is in the process of separating from the Federal Government, FHFA shall submit its debt claim to the employee's paying agency for collection by lump-sum deduction from the employee's final check. The paying agency shall certify the total amount of its collection and furnish a copy of the certification to FHFA and to the employee., (ii) If the employee is already separated and all payments due from his or her former paying agency have been paid, FHFA may, unless otherwise prohibited, request that money due and payable to the employee from the Federal Government, including payments from the Civil Service Retirement and Disability Fund (5 CFR 831.1801) or other similar funds, be administratively offset to collect the debt., (iii) When an employee transfers to another paying agency, FHFA shall not repeat the procedures described in \u00a7\u00a7 1208.24 through 1208.26. Upon receiving notice of the employee's transfer, FHFA shall review the debt to ensure that collection is resumed by the new paying agency., (b) Responsibility of FHFA as the paying agency - (1) Complete claim. When FHFA receives a certified claim from a creditor agency, the employee shall be given written notice of the certification, the date salary offset will begin, and the amount of the periodic deductions. Deductions shall be scheduled to begin at the next officially established pay interval or as otherwise provided for in the certification., (2) Incomplete claim. When FHFA receives an incomplete certification of debt from a creditor agency, FHFA shall return the claim with notice that procedures under 5 U.S.C. 5514 and 5 CFR 550.1104 must be followed, and that a properly certified claim must be received before FHFA will take action to collect the debt from the employee's current pay account., (3) Review. FHFA is not authorized to review the merits of the creditor agency's determination with respect to the amount or validity of the debt certified by the creditor agency., (4) Employees who transfer from one paying agency to another agency. If, after the creditor agency has submitted the debt claim to FHFA, the employee transfers to another agency before the debt is collected in full, FHFA must certify the total amount collected on the debt as required by 5 CFR 550.1109. One copy of the certification shall be furnished to the employee and one copy shall be sent to the creditor agency along with notice of the employee's transfer. If FHFA is aware that the employee is entitled to payments from the Civil Service Retirement and Disability Fund or other similar payments, it must provide written notification to the agency responsible for making such payments that the debtor owes a debt (including the amount) and that the requirements set forth herein and in 5 CFR part 550, subpart K, have been met. FHFA must submit a properly certified claim to the new payment agency before a collection can be made.", "meta": {"chapter": ["XII"], "chapter_title": ["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"], "part": ["1208"], "part_title": ["PART 1208 - DEBT COLLECTION"], "section": ["1208.29"], "section_title": ["\u00a7 1208.29 Coordinating salary offset with other agencies."]}}
+{"text": "Within a reasonable time in advance of an election, a Bank shall notify each member in its district of the commencement of the election process. Such notice shall include:, (a) Election announcement., (1) The number of member directorships designated for each voting state in the Bank district and the number of independent directorships for the Bank;, (2) The name of each incumbent Bank director, the name and location of the member at which each member director serves, and the name and location of the organization with which each independent director is affiliated, if any, and the expiration date of each Bank director's term of office;, (3) A brief statement describing the skills and experience the Bank believes are most likely to add strength to the board of directors, provided that the Bank previously has conducted the annual assessment permitted by \u00a7 1261.9 and the Bank has elected to provide the results of the assessment to the members;, (4) An attachment indicating the name, location, and FHFA ID number of every member in the member's voting state, and the number of votes each such member may cast for each directorship to be filled by such members, as determined in accordance with \u00a7 1261.6; and, (5) If a member directorship is to be filled by members in a State, a nominating certificate for those members., (b) Member directorship nominations. (1) Any member that is entitled to vote in the election may nominate an eligible individual to fill each available member directorship for its voting state by delivering to its Bank, prior to a deadline to be established by the Bank and set forth in the notice required in paragraph (a) of this section, a nominating certificate duly adopted by the member's governing body or by an individual authorized by the member's governing body to act on its behalf., (2) The nominating certificate shall include the name of the nominee and the name, location, and FHFA ID number of the member the nominee serves as an officer or director., (3) The Bank shall establish a deadline for delivery of nominating certificates, which shall be no earlier than 30 calendar days after the date on which the Bank delivers the notice required by paragraph (a) of this section, and the Bank shall not accept certificates received after that deadline. The Bank shall retain all accepted nominating certificates for at least two years after the date of the election., (c) Accepting member directorship nominations. Promptly after receipt of any nominating certificate, a Bank shall notify in writing any individual nominated for a member directorship. An individual may accept the nomination only by delivering to the Bank, prior to a deadline established by the Bank and set forth in its notice, an executed director eligibility certification form prescribed by FHFA. A Bank shall allow each nominee at least 30 calendar days after the date the Bank delivered the notice of nomination within which to deliver the executed form. A nominee may decline the nomination by so advising the Bank in writing, or by failing to deliver a properly executed director eligibility certification form prior to the deadline. Each Bank shall retain all information received under this paragraph for at least two years after the date of the election., (d) Independent directorship nominations. (1) Any individual who seeks to be an independent director of the board of directors of a Bank may deliver to the Bank, on or before the deadline set by the Bank for delivery of nominating certificates, an executed independent director application form prescribed by FHFA that demonstrates that the individual both is eligible and has either of the following qualifications:, (i) More than four years of experience representing consumer or community interests in banking services, credit needs, housing, or consumer financial protections; or, (ii) Knowledge of or experience in one or more of the areas set forth in paragraph (e) of this section., (2) Any other interested party may recommend to the Bank that it consider a particular individual as a nominee for an independent directorship, but the Bank shall not nominate any individual unless the individual has delivered to the Bank, on or before the date the Bank has set for delivery of nominating certificates, an executed independent director application form prescribed by FHFA. The application form prescribed by FHFA will provide a means by which an individual can indicate an intent to be considered for a public interest directorship. The board of directors of the Bank may consider any individual for any independent directorship nomination, provided it has determined that the individual is eligible and qualified, but the board shall nominate for a public interest directorship only an individual who indicates on the application form a desire to be considered for a public interest directorship. The board of directors of the Bank shall consult with the Bank's Advisory Council before nominating any individual for any independent directorship. Each Bank shall include in its bylaws the procedures it intends to use for the nomination and election of the independent directors, and shall retain all information received under this paragraph for at least two years after the date of the election., (3) Each Bank shall determine the number of public interest directorships to be included among its authorized independent directorships, provided that each Bank shall at all times have at least two such directorships, and shall announce that number to its members in the notice required by paragraph (a) of this section. In submitting nominations to its members, each Bank shall nominate at least as many individuals as there are independent directorships to be filled in that year's election., (e) Independent director qualifications. (1) Each independent director and each nominee for an independent directorship, other than a public interest directorship, shall have experience in, or knowledge of, one or more of the following areas: auditing and accounting, derivatives, financial management, organizational management, project development, risk management practices, and the law. Before nominating any individual for an independent directorship, other than a public interest directorship, the board of directors of a Bank shall determine that such knowledge or experience of the nominee is commensurate with that needed to oversee a financial institution with a size and complexity that is comparable to that of the Bank., (2) Each public interest independent director and each nominee for a public interest directorship shall have more than four years of experience representing consumer or community interests in banking services, credit needs, housing or consumer financial protection., (f) Eligibility verification. Using the information provided on member director eligibility forms prescribed by FHFA, each Bank shall verify that each nominee for each member directorship meets all the eligibility requirements for such directorship. Using the information provided on independent director application forms prescribed by FHFA, each Bank shall verify that each nominee for each public interest independent directorship and each other independent directorship meets all eligibility requirements and any knowledge or experience qualifications for such directorship, as set forth in the Bank Act and this subpart. Before announcing any independent director nominee, the Bank shall deliver to FHFA, for the Director's review, a copy of the independent director application forms executed by the individuals nominated for independent directorships. If within two weeks of such delivery FHFA provides comments to the Bank on any independent director nominee, the board of directors of the Bank shall consider the FHFA's comments in determining whether to proceed with those nominees or to reopen the nomination. ", "meta": {"chapter": ["XII"], "chapter_title": ["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["D"], "subchapter_title": ["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"], "part": ["1261"], "part_title": ["PART 1261 - FEDERAL HOME LOAN BANK DIRECTORS"], "section": ["1261.7"], "section_title": ["\u00a7 1261.7 Nominations for member and independent directorships."]}}
+{"text": "(a) General. As a condition of Federal deposit insurance, all insured depository institutions must remain in a safe and sound condition., (b) Unsafe or unsound practice. Any insured depository institution which has less than its minimum leverage capital requirement is deemed to be engaged in an unsafe or unsound practice pursuant to section 8(b)(1) and/or 8(c) of the Federal Deposit Insurance Act (12 U.S.C. 1818(b)(1) and/or 1818(c)). Except that such an insured depository institution which has entered into and is in compliance with a written agreement with the FDIC or has submitted to the FDIC and is in compliance with a plan approved by the FDIC to increase its leverage capital ratio to such level as the FDIC deems appropriate and to take such other action as may be necessary for the insured depository institution to be operated so as not to be engaged in such an unsafe or unsound practice will not be deemed to be engaged in an unsafe or unsound practice pursuant to section 8(b)(1) and/or 8(c) of the Federal Deposit Insurance Act (12 U.S.C. 1818(b)(1) and/or 1818(c)) on account of its capital ratios. The FDIC is not precluded from taking action under section 8(b)(1), section 8(c) or any other enforcement action against an insured depository institution with capital above the minimum requirement if the specific circumstances deem such action to be appropriate., (c) Unsafe or unsound condition. Any insured depository institution with a ratio of tier 1 capital to total assets 10 that is less than two percent is deemed to be operating in an unsafe or unsound condition pursuant to section 8(a) of the Federal Deposit Insurance Act (12 U.S.C. 1818(a))., 10 For purposes of this paragraph (c), until January 1, 2015, the term total assets shall have the same meaning as provided in 12 CFR 325.2(x). As of January 1, 2015, the term total assets shall have the same meaning as provided in 12 CFR 324.401(g)., (1) An insured depository institution with a ratio of tier 1 capital to total assets of less than two percent which has entered into and is in compliance with a written agreement with the FDIC (or any other insured depository institution with a ratio of tier 1 capital to total assets of less than two percent which has entered into and is in compliance with a written agreement with its primary Federal regulator and to which agreement the FDIC is a party) to increase its tier 1 leverage capital ratio to such level as the FDIC deems appropriate and to take such other action as may be necessary for the insured depository institution to be operated in a safe and sound manner, will not be subject to a proceeding by the FDIC pursuant to 12 U.S.C. 1818(a) on account of its capital ratios., (2) An insured depository institution with a ratio of tier 1 capital to total assets that is equal to or greater than two percent may be operating in an unsafe or unsound condition. The FDIC is not precluded from bringing an action pursuant to 12 U.S.C. 1818(a) where an insured depository institution has a ratio of tier 1 capital to total assets that is equal to or greater than two percent.", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"], "part": ["324"], "part_title": ["PART 324 - CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS"], "section": ["324.4"], "section_title": ["\u00a7 324.4 Inadequate capital as an unsafe or unsound practice or condition."]}}
+{"text": "(a) Increase for inadequate capitalization. The Director may, at his or her discretion, increase the amount of a semiannual payment allocated to a Regulated Entity that is not classified as adequately capitalized to pay additional estimated costs of regulation of that Regulated Entity., (b) Increase for enforcement activities. The Director may, at his or her discretion, adjust the amount of a semiannual payment allocated to a Regulated Entity to ensure that the Regulated Entity bears the estimated costs of enforcement activities under the Act related to that Regulated Entity., (c) Additional assessment for deficiencies. At any time, the Director may make and collect from any Regulated Entity an assessment, payable immediately or through increased semiannual payments, to cover the estimated amount of any deficiency for the semiannual period as a result of increased costs of regulation of a Regulated Entity due to its classification as other than adequately capitalized, or as a result of enforcement activities related to that Regulated Entity. Any amount remaining from such additional assessment and the semiannual payments at the end of any semiannual period during which such an additional assessment is made shall be deducted pro rata (based upon the amount of the additional assessments) from the assessment for the following semiannual period for that Regulated Entity.", "meta": {"chapter": ["XII"], "chapter_title": ["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"], "part": ["1206"], "part_title": ["PART 1206 - ASSESSMENTS"], "section": ["1206.4"], "section_title": ["\u00a7 1206.4 Increased costs of regulation."]}}
+{"text": "(a) General. A mutual holding company shall operate under bylaws that contain provisions that comply with all requirements specified by the Board, the provisions of this section, the mutual holding company's charter, and all other applicable laws, rules, and regulations provided that, a bylaw provision inconsistent with the provisions of this section may be adopted with the approval of the Board. Bylaws may be adopted, amended or repealed by a majority of the votes cast by the members at a legal meeting or a majority of the mutual holding company's board of directors. Throughout this section, the term \u201ctrustee\u201d may be substituted for the term \u201cdirector\u201d as relevant., (b) The following requirements are applicable to mutual holding companies:, (1) Annual meetings of members. A mutual holding company shall provide for and conduct an annual meeting of its members for the election of directors and at which any other business of the mutual holding company may be conducted. Such meeting shall be held, as designated by its board of directors, at a location within the state that constitutes the principal place of business of the subsidiary savings association, or at any other convenient place the board of directors may designate, and at a date and time within 150 days after the end of the mutual holding company's fiscal year. At each annual meeting, the officers shall make a full report of the financial condition of the mutual holding company and of its progress for the preceding year and shall outline a program for the succeeding year., (2) Special meetings of members. Procedures for calling any special meeting of the members and for conducting such a meeting shall be set forth in the bylaws. The subject matter of such special meeting must be established in the notice for such meeting. The board of directors of the mutual holding company or the holders of 10 percent or more of the voting capital shall be entitled to call a special meeting. For purposes of this section, \u201cvoting capital\u201d means FDIC-insured deposits as of the voting record date., (3) Notice of meeting of members. Notice specifying the date, time, and place of the annual or any special meeting and adequately describing any business to be conducted shall be published for two successive weeks immediately prior to the week in which such meeting shall convene in a newspaper of general circulation in the city or county in which the principal place of business of the subsidiary savings association is located, or mailed postage prepaid at least 15 days and not more than 45 days prior to the date on which such meeting shall convene to each of its members of record at the last address appearing on the books of the mutual holding company. A similar notice shall be posted in a conspicuous place in each of the offices of the subsidiary savings association during the 14 days immediately preceding the date on which such meeting shall convene. The bylaws may permit a member to waive in writing any right to receive personal delivery of the notice. When any meeting is adjourned for 30 days or more, notice of the adjournment and reconvening of the meeting shall be given as in the case of the original meeting., (4) Fixing of record date. For the purpose of determining members entitled to notice of or to vote at any meeting of members or any adjournment thereof, or in order to make a determination of members for any other proper purpose, the bylaws shall provide for the fixing of a record date and a method for determining from the books of the subsidiary savings association the members entitled to vote. Such date shall be not more than 60 days or fewer than 10 days prior to the date on which the action, requiring such determination of members, is to be taken. The same determination shall apply to any adjourned meeting., (5) Member quorum. Any number of members present and voting, represented in person or by proxy, at a regular or special meeting of the members shall constitute a quorum. A majority of all votes cast at any meeting of the members shall determine any question, unless otherwise required by regulation. At any adjourned meeting, any business may be transacted that might have been transacted at the meeting as originally called. Members present at a duly constituted meeting may continue to transact business until adjournment., (6) Voting by proxy. Procedures shall be established for voting at any annual or special meeting of the members by proxy pursuant to the rules and regulations of the Board, including the placing of such proxies on file with the secretary of the mutual holding company, for verification, prior to the convening of such meeting. Proxies may be given telephonically or electronically as long as the holder uses a procedure for verifying the identity of the member. All proxies with a term greater than eleven months or solicited at the expense of the subsidiary savings association must run to the board of directors as a whole, or to a committee appointed by a majority of such board., (7) Communications between members. Provisions relating to communications between members shall be consistent with \u00a7 239.12. No member, however, shall have the right to inspect or copy any portion of any books or records of a mutual holding company containing:, (i) A list of depositors in or borrowers from the subsidiary savings association;, (ii) Their addresses;, (iii) Individual deposit or loan balances or records; or, (iv) Any data from which such information could be reasonably constructed., (8) Number of directors, membership. The bylaws shall set forth a specific number of directors, not a range. The number of directors shall be not fewer than five nor more than fifteen, unless a higher or lower number has been authorized by the Board. Each director of the mutual holding company shall be a member of the mutual holding company. Directors may be elected for periods of one to three years and until their successors are elected and qualified, but if a staggered board is chosen, provision shall be made for the election of approximately one-third or one-half of the board each year, as appropriate., (9) Meetings of the board. The board of directors shall determine the place, frequency, time, procedure for notice, which shall be at least 24 hours unless waived by the directors, and waiver of notice for all regular and special meetings. The meetings shall be under the direction of a chairman, appointed annually by the board; or in the absence of the chairman, the meetings shall be under the direction of the president. The board also may permit telephonic participation at meetings. The bylaws may provide for action to be taken without a meeting if unanimous written consent is obtained for such action. A majority of the authorized directors shall constitute a quorum for the transaction of business. The act of a majority of the directors present at any meeting at which there is a quorum shall be the act of the board., (10) Officers, employees, and agents. (i) The bylaws shall contain provisions regarding the officers of the mutual holding company, their functions, duties, and powers. The officers of the mutual holding company shall consist of a president, one or more vice presidents, a secretary, and a treasurer or comptroller, each of whom shall be elected annually by the board of directors. Such other officers and assistant officers and agents as may be deemed necessary may be elected or appointed by the board of directors or chosen in such other manner as may be prescribed in the bylaws. Any two or more offices may be held by the same person, except the offices of president and secretary., (ii) All officers and agents of the mutual holding company, as between themselves and the mutual holding company, shall have such authority and perform such duties in the management of the mutual holding company as may be provided in the bylaws, or as may be determined by resolution of the board of directors not inconsistent with the bylaws. In the absence of any such provision, officers shall have such powers and duties as generally pertain to their respective offices. Any officer may be removed by the board of directors with or without cause, but such removal, other than for cause, shall be without prejudice to the contractual rights, if any, of the officer so removed., (iii) Any indemnification provision must provide that any indemnification is subject to applicable Federal law, rules, and regulations., (11) Vacancies, resignation or removal of directors. Members of the mutual holding company shall elect directors by ballot: Provided, that in the event of a vacancy on the board, the board of directors may, by their affirmative vote, fill such vacancy, even if the remaining directors constitute less than a quorum. A director elected to fill a vacancy shall be elected to serve only until the next election of directors by the members. The bylaws shall set out the procedure for the resignation of a director, which shall be by written notice or by any other procedure established in the bylaws. Directors may be removed only for cause as defined in \u00a7 239.41, by a vote of the holders of a majority of the shares then entitled to vote at an election of directors., (12) Powers of the board. The board of directors shall have the power:, (i) By resolution, to appoint from among its members and remove an executive committee and one or more other committees, which committees shall have and may exercise all the powers of the board between the meetings or the board; but no such committee shall have the authority of the board to amend the charter or bylaws, adopt a plan of merger, consolidation, dissolution, or provide for the disposition of all or substantially all the property and assets of the mutual holding company. Such committee shall not operate to relieve the board, or any member thereof, of any responsibility imposed by law;, (ii) To fix the compensation of directors, officers, and employees; and to remove any officer or employee at any time with or without cause;, (iii) To exercise any and all of the powers of the mutual holding company not expressly reserved by the charter to the members., (13) Nominations for directors. The bylaws shall provide that nominations for directors may be made at the annual meeting by any member and shall be voted upon, except, however, the bylaws may require that nominations by a member must be submitted to the secretary and then prominently posted in the principal place of business, at least 10 days prior to the date of the annual meeting. However, if such provision is made for prior submission of nominations by a member, then the bylaws must provide for a nominating committee, which, except in the case of a nominee substituted as a result of death or other incapacity, must submit nominations to the secretary and have such nominations similarly posted at least 15 days prior to the date of the annual meeting., (14) New business. The bylaws shall provide procedures for the introduction of new business at the annual meeting. Those provisions may require that such new business be stated in writing and filed with the secretary prior to the annual meeting at least 30 days prior to the date of the annual meeting., (15) Amendment. Bylaws may include any provision for their amendment that would be consistent with applicable law, rules, and regulations and adequately addresses its subject and purpose., (i) Amendments shall be effective:, (A) After approval by a majority vote of the authorized board, or by a majority of the vote cast by the members of the mutual holding company at a legal meeting; and, (B) After receipt of any applicable regulatory approval., (ii) When a mutual holding company fails to meet its quorum requirement, solely due to vacancies on the board, the bylaws may be amended by an affirmative vote of a majority of the sitting board., (16) Miscellaneous. The bylaws may also address the subject of age limitations for directors or officers as long as they are consistent with applicable Federal law, rules or regulations, and any other subjects necessary or appropriate for effective operation of the mutual holding company., (c) Form of filing - (1) Application requirement. (i) Any bylaw amendment shall be submitted to the appropriate Reserve Bank for approval if it would:, (A) Render more difficult or discourage a merger, proxy contest, the assumption of control by a mutual account holder of the mutual holding company, or the removal of incumbent management;, (B) Involve a significant issue of law or policy, including indemnification, conflicts of interest, and limitations on director or officer liability; or, (C) Be inconsistent with the requirements of this section or with applicable laws, rules, regulations, or the mutual holding company's charter., (ii) Applications submitted under paragraph (c)(1)(i) of this section are subject to the processing procedures at \u00a7 238.14 of this chapter., (iii) For purposes of this paragraph (c), bylaw provisions that adopt the language of the model bylaws contained in appendix C to this part, if adopted without change, and filed with Board within 30 days after adoption, are effective upon adoption. The Board may amend the model bylaws provided in appendix C to this part., (2) Filing requirement. If the proposed bylaw amendment does not implicate paragraph (c)(1) or (c)(3) of this section, then the mutual holding company shall submit the amendment to the appropriate Reserve Bank at least 30 days prior to the date the bylaw amendment is to be adopted by the mutual holding company., (3) Corporate governance procedures. A mutual holding company may elect to follow the corporate governance procedures of the laws of the state where the main office of the institution is located, provided that such procedures may be elected only to the extent not inconsistent with applicable Federal statutes, regulations, and safety and soundness, and such procedures are not of the type described in paragraph (c)(1)(i) of this section. If this election is selected, a mutual holding company shall designate in its bylaws the provision or provisions from the body of law selected for its corporate governance procedures, and shall file a copy of such bylaws, which are effective upon adoption, within 30 days after adoption. The submission shall indicate, where not obvious, why the bylaw provisions do not require an application under paragraph (c)(1)(i) of this section., (d) Effectiveness. Any bylaw amendment filed pursuant to paragraph (c)(2) of this section shall automatically be effective 30 days from the date of filing of such amendment, provided that the mutual holding company follows the requirements of its charter and bylaws in adopting such amendment, unless the Board notifies the mutual holding company prior to the expiration of the 30-day period that such amendment is rejected or that such amendment requires an application to be filed pursuant to paragraph (c)(1) of this section., (e) Availability of bylaws. A mutual holding company shall make available to its members at all times in the offices of each subsidiary savings association from which the mutual holding company draws members a true copy of its bylaws, including any amendments, and shall deliver such a copy to any member upon request.", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["239"], "part_title": ["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"], "section": ["239.15"], "section_title": ["\u00a7 239.15 Bylaws."]}}
+{"text": "(a) Responsibilities of the board of directors. Your board of directors must adopt written policies for managing your non-program investment activities. Your board must also ensure that management complies with these policies and that appropriate internal controls are in place to prevent loss. At least annually, your board, or a designated committee of the board, must review the sufficiency of these investment policies. Any changes to the policies must be adopted by the board. You must report any changes to these policies to the OSMO within 10 business days of adoption., (b) Investment policies - general requirements. Your investment policies must address the purposes and objectives of investments, risk tolerance, delegations of authority, internal controls, due diligence, and reporting requirements. Moreover, your investment policies must fully address the extent of pre-purchase analysis that management must perform for various types, classes, and structure of investments. Furthermore, the policies must include reporting requirements and approvals needed for exceptions to the board's policies. Investment policies must be sufficiently detailed, consistent with, and appropriate for the amounts, types, and risk characteristics of your investments. You must document in the Corporation's records any analyses used in formulating your policies or amendments to the policies., (c) Investment policies - risk tolerance. Your investment policies must establish risk limits for the various types, classes, and sectors of eligible investments. These policies must include concentration limits to ensure prudent diversification of credit, market, and liquidity risks in the investment portfolio. Risk limits must be based on all relevant factors, including the Corporation's objectives, capital position, earnings, and quality and reliability of risk management systems. Your policies must identify the types and quantity of investments that you will hold to achieve your objectives and control credit, market, liquidity, and operational risks. Your policies must establish risk limits for the following types of risk:, (1) Credit risk. Your investment policies must establish:, (i) Credit quality standards, limits on counterparty risk, and risk diversification standards that limit concentrations in a single or related counterparty(ies), industry sectors, and asset classes or obligations with similar characteristics., (ii) Criteria for selecting brokers, dealers, and investment bankers (collectively, securities firms). You must buy and sell eligible investments with more than one securities firm. As part of your review of your investment policies required under paragraph (a) of this section, your board of directors, or a designated committee of the board, must review the criteria for selecting securities firms. Any changes to the criteria must be approved by the board., (iii) Collateral margin requirements on repurchase agreements. You must regularly mark the collateral to market and ensure appropriate controls are maintained over collateral held., (2) Market risk. Your investment policies must set market risk limits for specific types of investments and for the investment portfolio., (3) Liquidity risk. Your investment policies must describe the liquidity characteristics of eligible investments that you will hold to meet your liquidity needs and the Corporation's other objectives., (4) Operational risk. Investment policies must address operational risks, including delegations of authority and internal controls in accordance with paragraphs (d) and (e) of this section., (5) Concentration risk. Your investment policies must set risk diversification standards. Diversification parameters must be based on the carrying value of investments. You may not invest more than 10 percent of your Regulatory Capital in allowable investments issued by any single entity, issuer, or obligor. Only investments in obligations backed by U.S. Government agencies or GSEs may exceed the 10-percent limit., (d) Delegation of authority. All delegations of authority to specified personnel or committees must state the extent of management's authority and responsibilities for investments., (e) Internal controls. You must:, (1) Establish appropriate internal controls to detect and prevent loss, fraud, embezzlement, conflicts of interest, and unauthorized investments., (2) Establish and maintain a separation of duties between personnel who supervise or execute investment transactions and personnel who supervise or engage in all other investment-related functions., (3) Maintain records and management information systems that are appropriate for the level and complexity of your investment activities., (4) Implement an effective internal audit program to review, at least annually, your investment management functions, controls, processes, and compliance with FCA regulations. The scope of the annual review must be appropriate for the size, risk, and complexity of the investment portfolio., (f) Due diligence - (1) Pre-purchase analysis - (i) Objective, eligibility, and compliance with investment policies. Before you purchase an investment, you must conduct sufficient due diligence to determine whether the investment is eligible under \u00a7 652.20, is for an authorized purpose under \u00a7 652.15(a), and complies with your board-approved investment policies. You must document its eligibility, purpose, and investment policy compliance and your investment objective. Your investment policies must fully address the extent of pre-purchase analysis that management must perform for various types, classes, and structure of investments. Your board must approve your decision to hold an investment that does not comply with your written investment policy requirements., (ii) Valuation. Prior to purchase, you must verify the value of the investment (unless it is a new issue) with a source that is independent of the broker, dealer, counterparty or other intermediary to the transaction., (iii) Risk assessment. Your risk assessment must be documented and, at a minimum, include an evaluation of credit risk, market risk, and liquidity risk and the underlying collateral of the investment. You must conduct stress testing before you purchase any investment that is structured or that has uncertain cash flows, including all mortgage-backed securities or asset-backed securities. The stress testing must be commensurate with the risk and complexity of the investments and must comply with the requirements of paragraph (f)(4) of this section., (2) Monthly fair value determination. At least monthly, you must determine the fair market value of each investment in your portfolio and the fair market value of your whole investment portfolio., (3) Ongoing analysis of credit risk. You must establish and maintain processes to monitor and evaluate changes in the credit quality of each security and the whole investment portfolio on an ongoing basis., (4) Quarterly stress testing. (i) You must stress test your entire investment portfolio, including stress tests of all investments individually and stress tests of the portfolio as a whole, at the end of each quarter. The stress tests must enable you to determine that your investment securities, both individually and on a portfolio-wide basis, do not expose your capital, earnings, or liquidity to risks that exceed the risk tolerance specified in your investment policies. If your portfolio risk exceeds your investment policy limits, you must develop a plan to reduce risk and comply with your investment policy limits., (ii) Your stress tests must be comprehensive and appropriate for the risk profile of your investment portfolio and the Corporation. At a minimum, the stress tests must be able to measure the price sensitivity of investments over a range of possible interest rate/yield curve scenarios. The methodology that you use to analyze investment securities must be appropriate for the complexity, structure, and cash flows of the investments in your portfolio. You must rely to the maximum extent practicable on verifiable information to support all your assumptions, including prepayment and interest rate volatility assumptions, when you apply your stress tests. Your assumptions must be prudent and based on sound judgment, and you must document the basis for all assumptions that you use to evaluate the security and its underlying collateral. You must also document all subsequent changes in your assumptions., (5) Presale value verification. Before you sell an investment, you must verify its value with a source that is independent of the broker, dealer, counterparty, or other intermediary to the transaction., (g) Reports to the board of directors. At least quarterly, executive management must report on the following to the board of directors or a designated committee of the board:, (1) Plans and strategies for achieving the board's objectives for the investment portfolio;, (2) Whether the investment portfolio effectively achieves the board's objectives;, (3) The current composition, quality, and liquidity profile of the investment portfolio;, (4) The performance of each class of investments and the entire investment portfolio, including all gains and losses that you incurred during the quarter on individual securities that you sold before maturity and why they were liquidated;, (5) Potential risk exposure to changes in market interest rates as identified through quarterly stress testing and any other factors that may affect the value of your investment holdings;, (6) How investments affect your capital, earnings, and overall financial condition;, (7) Any deviations from the board's policies. These deviations must be formally approved by the board of directors.", "meta": {"chapter": ["VI"], "chapter_title": ["CHAPTER VI - FARM CREDIT ADMINISTRATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - FARM CREDIT SYSTEM"], "part": ["652"], "part_title": ["PART 652 - FEDERAL AGRICULTURAL MORTGAGE CORPORATION FUNDING AND FISCAL AFFAIRS"], "section": ["652.10"], "section_title": ["\u00a7 652.10 Investment management."]}}
+{"text": "(a) Filling unexpired terms. (1) When a vacancy occurs on the board of directors of any Bank, the board of directors of the Bank shall elect, by a majority vote of the remaining Bank directors sitting as a board, an individual to fill the unexpired term of office of the vacant directorship, regardless of whether the remaining Bank directors constitute a quorum of the Bank's board of directors., (2) The board of directors of the Bank may fill an anticipated vacancy prior to the effective date of the vacancy, provided the board does so no sooner than the date of the regularly scheduled board meeting that occurs immediately prior to the effective date of the vacancy., (3) The board of directors shall elect only an individual who satisfies all the eligibility requirements in the Bank Act and in this subpart that applied to his or her predecessor and, for independent directorships, also satisfies any of the qualifications in the Bank Act or this subpart. If a Bank does not have at least two sitting public interest independent directors, the board of directors of the Bank shall designate the directorship as a public interest directorship and shall elect an individual who satisfies a public interest independent directorship qualification in the Bank Act or in this subpart., (b) Verifying eligibility. Prior to any election by the board of directors, the Bank shall obtain an executed member director eligibility certification form prescribed by FHFA from each individual being considered to fill a member directorship and an executed independent director application form prescribed by FHFA from each individual being considered to fill an independent directorship. Using the executed forms, each Bank shall verify each individual's eligibility and, as to independent directors, also shall verify the individual's qualifications. Before any independent director is elected by the board of directors of a Bank, the Bank shall deliver to FHFA for its review a copy of the application form of each individual being considered by the board. The Bank shall retain the information it receives in accordance with \u00a7 1261.7(c) and (d)., (c) Notification. Promptly after allowing the individual to assume the directorship, as provided in paragraph (b) of this section, a Bank shall notify FHFA and each member located in the Bank's district in writing of the following:, (1) For each member directorship filled by the board of a Bank, the name of the director, the name, location, and FHFA ID number of the member the director serves, the director's title or position with the member, the voting State that the director represents, and the expiration date of the director's term of office; and, (2) For each independent directorship filled by the board of a Bank, the name of the director, the name and location of the organization with which the director is affiliated, if any, the director's title or position with such organization, and the expiration date of the director's term of office. ", "meta": {"chapter": ["XII"], "chapter_title": ["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["D"], "subchapter_title": ["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"], "part": ["1261"], "part_title": ["PART 1261 - FEDERAL HOME LOAN BANK DIRECTORS"], "section": ["1261.14"], "section_title": ["\u00a7 1261.14 Vacant Bank directorships."]}}
+{"text": "(a) General rules. (1) Conduct. Hearings shall be conducted in accordance with chapter 5 of title 5 and other applicable law and so as to provide a fair and expeditious presentation of the relevant disputed issues. Except as limited by this subpart, each party has the right to present its case or defense by oral and documentary evidence and to conduct such cross examination as may be required for full disclosure of the facts., (2) Order of hearing. FHFA counsel of record shall present its case-in-chief first, unless otherwise ordered by the presiding officer or unless otherwise expressly specified by law or regulation. FHFA counsel of record shall be the first party to present an opening statement and a closing statement and may make a rebuttal statement after the respondent's closing statement. If there are multiple respondents, respondents may agree among themselves as to the order of presentation of their cases, but if they do not agree, the presiding officer shall fix the order., (3) Examination of witnesses. Only one representative for each party may conduct an examination of a witness, except that in the case of extensive direct examination, the presiding officer may permit more than one representative for the party presenting the witness to conduct the examination. A party may have one representative conduct the direct examination and another representative conduct re-direct examination of a witness, or may have one representative conduct the cross examination of a witness and another representative conduct the re-cross examination of a witness., (4) Stipulations. Unless the presiding officer directs otherwise, all documents that the parties have stipulated as admissible shall be admitted into evidence upon commencement of the hearing., (b) Transcript. The hearing shall be recorded and transcribed. The transcript shall be made available to any party upon payment of the cost thereof. The presiding officer shall have authority to order the record corrected, either upon motion to correct, upon stipulation of the parties, or following notice to the parties upon the presiding officer's own motion.", "meta": {"chapter": ["XII"], "chapter_title": ["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"], "part": ["1209"], "part_title": ["PART 1209 - RULES OF PRACTICE AND PROCEDURE"], "section": ["1209.50"], "section_title": ["\u00a7 1209.50 Conduct of hearings."]}}
+{"text": "(a) Grounds for issuance. A suspending official may issue a final suspension order with respect to a respondent proposed for suspension if, based solely on the written record, the suspending official determines that there is adequate evidence that:, (1) The respondent engaged in covered misconduct; and, (2) The covered misconduct is of a type that would be likely to cause significant financial or reputational harm to a regulated entity or otherwise threaten the safe and sound operation of a regulated entity., (b) Written record. The written record shall include any material submitted by the respondent and any material submitted by the regulated entities, as well as any other material that was considered by the suspending official in making the final determination, including any information related to the factors in paragraph (c) of this section. FHFA may independently obtain information relevant to the suspension determination for inclusion in the written record., (c) Factors that may be considered by the suspending official. In determining whether or not to issue a final suspension order with respect to the respondent where the grounds for suspension are satisfied, the suspending official may also consider any factors that the suspending official determines may be relevant in light of the circumstances of the particular case, including but not limited to:, (1) The actual or potential harm or impact that results or may result from the covered misconduct;, (2) The frequency of incidents or duration of the covered misconduct;, (3) Whether there is a pattern of prior covered misconduct;, (4) Whether and to what extent the respondent planned, initiated, or carried out the covered misconduct;, (5) Whether the respondent has accepted responsibility for the covered misconduct and recognizes its seriousness;, (6) Whether the respondent has paid or agreed to pay all criminal, civil and administrative penalties or liabilities for the covered misconduct, including any investigative or administrative costs incurred by the government, and has made or agreed to make full restitution;, (7) Whether the covered misconduct was pervasive within the respondent's organization;, (8) The kind of positions held by the individuals involved in the covered misconduct;, (9) Whether the respondent's organization took appropriate corrective action or remedial measures, such as establishing ethics training and implementing programs to prevent recurrence of the covered misconduct;, (10) Whether the respondent brought the covered misconduct to the attention of the appropriate government agency in a timely manner;, (11) Whether the respondent has fully investigated the circumstances surrounding the covered misconduct and, if so, made the result of the investigation available to the suspending official;, (12) Whether the respondent had effective standards of conduct and internal control systems in place at the time the covered misconduct occurred;, (13) Whether the respondent has taken appropriate disciplinary action against the individuals responsible for the covered misconduct; or, (14) Whether the respondent has had adequate time to eliminate the circumstances within the organization that led to the covered misconduct., (d) Deadline for decision. The suspending official shall make a determination on whether to issue a final suspension order with respect to the respondent within thirty (30) calendar days of the deadline given for the respondent's response in the notice of proposed suspension, unless the suspending official notifies the respondent in writing that additional time is needed., (e) Determination not to issue final suspension order. If the suspending official determines that suspension is not appropriate with respect to the respondent, the suspending official shall provide prompt written notice of that determination to the respondent, the regulated entity, and all of the other regulated entities., (f) Issuance of final suspension order - (1) General. If the suspending official makes a final determination to suspend the respondent, the suspending official shall issue a final suspension order to each regulated entity regarding the respondent., (2) Content of final suspension order. A final suspension order shall include:, (i) A statement of the suspension determination and supporting grounds, including a discussion of any relevant information submitted by the respondent or regulated entities;, (ii) Identification of each person and any affiliates thereof to which the suspension applies;, (iii) A description of the scope of the suspension, including the time period to which the suspension applies; and, (iv) A description of any limitations or qualifications that apply to the scope of the suspension, including modification of the conduct of covered transactions that may be engaged in with the respondent., (3) Notice to respondent required. The suspending official shall provide prompt written notice to the respondent of the final suspension order issued to the regulated entities with respect to such respondent., (4) Content of notice. The notice of a final suspension order shall include:, (i) A statement of the suspension determination and supporting grounds, including a discussion of any relevant information submitted by the respondent; and, (ii) A copy of the final suspension order., (g) Effective date. A final suspension order shall take effect on the date specified in the order, which shall be at least forty-five (45) calendar days after the date on which the order is signed by the suspending official.", "meta": {"chapter": ["XII"], "chapter_title": ["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - ENTITY REGULATIONS"], "part": ["1227"], "part_title": ["PART 1227 - SUSPENDED COUNTERPARTY PROGRAM"], "section": ["1227.6"], "section_title": ["\u00a7 1227.6 Final suspension order."]}}
+{"text": "(a) Application for stock or deposit. Each national bank in process of organization,3 each nonmember state bank converting into a national bank, and each nonmember state bank applying for membership in the Federal Reserve System under Regulation H, 12 CFR part 208, shall file with the Federal Reserve Bank (Reserve Bank) in whose district it is located an application for stock (or deposit in the case of mutual savings banks not authorized to purchase Reserve Bank stock 4) in the Reserve Bank. This application for stock must state whether the applicant's total consolidated assets exceed $11,229,000,000. The bank shall pay for the stock (or deposit) in accordance with \u00a7 209.4 of this part., 3 A new national bank organized by the Federal Deposit Insurance Corporation under section 11(n) of the Federal Deposit Insurance Act (12 U.S.C. 1821(n)) should not apply until in the process of issuing stock pursuant to section 11(n)(15) of that act. Reserve Bank approval of such an application shall not be effective until the issuance of a certificate by the Comptroller of the Currency pursuant to section 11(n)(16) of that act., 4 A mutual savings bank not authorized to purchase Federal Reserve Bank stock may apply for membership evidenced initially by a deposit. (See \u00a7 208.3(a) of Regulation H, 12 CFR part 208.) The membership of the savings bank shall be terminated if the laws under which it is organized are not amended to authorize such purchase at the first session of the legislature after its admission, or if it fails to purchase such stock within six months after such an amendment., (b) Issuance of stock; acceptance of deposit. Upon authorization to commence business by the Comptroller of the Currency in the case of a national bank in organization or upon approval of conversion by the Comptroller of the Currency in the case of a state nonmember bank converting to a national bank, or when all applicable requirements have been complied with in the case of a state bank approved for membership, the Reserve Bank shall issue the appropriate number of shares by crediting the bank with the appropriate number of shares on its books. In the case of a national or state member bank in organization, such issuance shall be as of the date the bank opens for business. In the case of a mutual savings bank not authorized to purchase Reserve Bank shares, the Reserve Bank shall accept the deposit in place of issuing shares. The bank's membership shall become effective on the date of such issuance or acceptance., (c) Location of bank - (1) General rule. For purposes of this part, a national bank or a State bank is located in the Federal Reserve District that contains the location specified in the bank's charter or organizing certificate, or as specified by the institution's primary regulator, or if no such location is specified, the location of its head office, unless otherwise determined by the Board under paragraph (c)(2) of this section., (2) Board determination. If the location of a bank as specified in paragraph (c)(1) of this section, in the judgment of the Board of Governors of the Federal Reserve System (Board), is ambiguous, would impede the ability of the Board or the Reserve Banks to perform their functions under the Federal Reserve Act, or would impede the ability of the bank to operate efficiently, the Board will determine the Federal Reserve District in which the bank is located, after consultation with the bank and the relevant Reserve Banks. The relevant Reserve Banks are the Reserve Bank whose District contains the location specified in paragraph (c)(1) of this section and the Reserve Bank in whose District the bank is proposed to be located. In making this determination, the Board will consider any applicable laws, the business needs of the bank, the location of the bank's head office, the locations where the bank performs its business, and the locations that would allow the bank, the Board, and the Reserve Banks to perform their functions efficiently and effectively.", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"], "part": ["209"], "part_title": ["PART 209 - FEDERAL RESERVE BANK CAPITAL STOCK (REGULATION I)"], "section": ["209.2"], "section_title": ["\u00a7 209.2 Banks desiring to become member banks."]}}
+{"text": "(a) Each Bank annually shall provide to FHFA, on or before January 31, a Targeted Community Lending Plan., (b) Each Bank shall provide such other reports concerning its CICA programs as FHHA may request from time to time.", "meta": {"chapter": ["XII"], "chapter_title": ["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["E"], "subchapter_title": ["SUBCHAPTER E - HOUSING GOALS AND MISSION"], "part": ["1292"], "part_title": ["PART 1292 - COMMUNITY INVESTMENT CASH ADVANCE PROGRAMS"], "section": ["1292.6"], "section_title": ["\u00a7 1292.6 Reporting."]}}
+{"text": "In orders approving the retention by a bank holding company of a 4(c)(8) subsidiary, the Board has stated that it would permit, without any specific regulatory approval, the formation of a wholly owned subsidiary of an approved 4(c)(8) company to engage in activities that such a company could itself engage in directly through a division or department. (Northwestern Financial Corporation, 65 Federal Reserve Bulletin 566 (1979).) Section 4(a)(2) of the Act provides generally that a bank holding company may engage directly in the business of managing and controlling banks and permissible nonbank activities, and in furnishing services directly to its subsidiaries. Even though section 4 of the Act generally prohibits the acquisition of shares of nonbanking organizations, the Board does not believe that such prohibition should apply to the formation by a holding company of a wholly-owned subsidiary to engage in activities that it could engage in directly. Accordingly, as a general matter, the Board will permit without any regulatory approval a bank holding company to form a wholly-owned subsidiary to perform servicing activities for subsidiaries that the holding company itself could perform directly or through a department or a division under section 4(a)(2) of the Act. The Board believes that permitting this type of subsidiary is not inconsistent with the nonbanking prohibitions of section 4 of the Act, and is consistent with the authority in section 4(c)(1)(C) of the Act, which permits a bank holding company, without regulatory approval, to form a subsidiary to perform services for its banking subsidiaries. The Board notes, however, that a servicing subsidiary established by a bank holding company in reliance on this interpretation will be an affiliate of the subsidiary bank of the holding company for the purposes of the lending restrictions of section 23A of the Federal Reserve Act. (12 U.S.C. 371c)", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["225"], "part_title": ["PART 225 - BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y)"], "section": ["225.141"], "section_title": ["\u00a7 225.141 Operations subsidiaries of a bank holding company."]}}
+{"text": "(a) Notice of proposed reclassification based on unsafe or unsound condition or practice. When the NCUA Board proposes to reclassify a credit union or subject it to the supervisory actions applicable to the next lower net worth category pursuant to \u00a7\u00a7 702.102(b) and 702.202(d) of this chapter (each such action hereinafter referred to as \u201creclassification\u201d), the NCUA Board shall issue and serve on the credit union reasonable prior notice of the proposed reclassification. , (b) Contents of notice. A notice of intention to reclassify a credit union based on unsafe or unsound condition or practice shall state: , (1) The credit union's net worth ratio, current net worth category classification, and the net worth category to which the credit union would be reclassified; , (2) The unsafe or unsound practice(s) and/or condition(s) justifying reasons for reclassification of the credit union; , (3) The date by which the credit union must file a written response to the notice (including a request for a hearing), which date shall be no less than 14 calendar days from the date of service of the notice unless the NCUA Board determines that a shorter period is appropriate in light of the financial condition of the credit union or other relevant circumstances; and, (4) That a credit union which fails to - , (i) File a written response to the notice of reclassification, within the specified time period, shall be deemed to have waived the opportunity to respond, and to have consented to reclassification; , (ii) Request a hearing shall be deemed to have waived any right to a hearing; and , (iii) Request the opportunity to present witness testimony shall be deemed to have waived any right to present such testimony. , (c) Contents of response to notice. A credit union's response to a notice under paragraph (b) of this section must: , (1) Explain why it contends that the credit union should not be reclassified; , (2) Include any relevant information, mitigating circumstances, documentation, or other evidence in support of the credit union's position; , (3) If desired, request an informal hearing before the NCUA Board under this section; and, (4) If a hearing is requested, identify any witness whose testimony the credit union wishes to present and the general nature of each witness's expected testimony., (d) Order to hold informal hearing. Upon timely receipt of a written response that includes a request for a hearing, the NCUA Board shall issue an order commencing an informal hearing no later than 30 days after receipt of the request, unless the credit union requests a later date. The hearing shall be held in Alexandria, Virginia, or at such other place as may be designated by the NCUA Board, before a presiding officer designated by the NCUA Board to conduct the hearing and to recommend a decision., (e) Procedures for informal hearing. (1) The credit union may appear at the hearing through a representative or through counsel. The credit union shall have the right to introduce relevant documents and to present oral argument at the hearing. The credit union may introduce witness testimony only if expressly authorized by the NCUA Board or the presiding officer. Neither the provisions of the Administrative Procedure Act (5 U.S.C. 554-557) governing adjudications required by statute to be determined on the record nor the Uniform Rules of Practice and Procedure (12 CFR part 747) shall apply to an informal hearing under this section unless the NCUA Board orders otherwise., (2) The informal hearing shall be recorded, and a transcript shall be furnished to the credit union upon request and payment of the cost thereof. Witnesses need not be sworn, unless specifically requested by a party or by the presiding officer. The presiding officer may ask questions of any witness., (3) The presiding officer may order that the hearing be continued for a reasonable period following completion of witness testimony or oral argument to allow additional written submissions to the hearing record. , (4) Within 20 calendar days following the closing of the hearing and the record, the presiding officer shall make a recommendation to the NCUA Board on the proposed reclassification., (f) Time for final decision. Not later than 60 calendar days after the date the record is closed, or the date of receipt of the credit union's response in a case where no hearing was requested, the NCUA Board will decide whether to reclassify the credit union, and will notify the credit union of its decision. The decision of the NCUA Board shall be final. , (g) Request to rescind reclassification. Any credit union that has been reclassified under this section may file a written request to the NCUA Board to reconsider or rescind the reclassification, or to modify, rescind or remove any directives issued as a result of the reclassification. Unless otherwise ordered by the NCUA Board, the credit union shall remain reclassified, and subject to any directives issued as a result, while such request is pending., (h) Non-delegation. The NCUA Board may not delegate its authority to reclassify a credit union into a lower net worth category or to treat a credit union as if it were in a lower net worth category pursuant to \u00a7 702.102(b) or \u00a7 702.302(d) of this chapter.", "meta": {"chapter": ["VII"], "chapter_title": ["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"], "part": ["747"], "part_title": ["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"], "section": ["747.2003"], "section_title": ["\u00a7 747.2003 Review of order reclassifying a credit union on safety and soundness criteria."]}}
+{"text": "(a) Adoption of conflict-of-interests policy. Each Bank shall adopt a written conflict-of-interests policy that applies to all members of its board of directors. At a minimum, the conflict-of-interests policy of each Bank shall:, (1) Require the directors to administer the affairs of the Bank fairly and impartially and without discrimination in favor of or against any member;, (2) Require independent directors to comply with \u00a7 1261.10(a);, (3) Prohibit the use of a director's official position for personal gain;, (4) Require directors to disclose actual or apparent conflicts of interests and establish procedures for addressing such conflicts;, (5) Require the establishment of internal controls to ensure that conflict-of-interests reports are made and filed and that conflict-of-interests issues are disclosed and resolved; and, (6) Establish procedures to monitor compliance with the conflict-of-interests policy., (b) Disclosure and recusal. A director shall disclose to the Bank's board of directors any financial interests he or she has, as well as any financial interests known to the director of any immediate family member or business associate of the director, in any matter to be considered by the Bank's board of directors and in any other business matter or proposed business matter involving the Bank and any other person or entity. A director shall disclose fully the nature of his or her interests in the matter and shall provide to the Bank's board of directors any information requested to aid in its consideration of the director's interest. A director shall refrain from considering or voting on any issue in which the director, any immediate family member, or any business associate has any financial interest., (c) Confidential Information. Directors shall not disclose or use confidential information they receive solely by reason of their position with the Bank to obtain any benefit for themselves or for any other individual or entity., (d) Gifts. No Bank director shall accept, and each Bank director shall discourage the director's immediate family members from accepting, any gift that the director believes or has reason to believe is given with the intent to influence the director's actions as a member of the Bank's board of directors, or where acceptance of such gift would have the appearance of intending to influence the director's actions as a member of the board. Any insubstantial gift would not be expected to trigger this prohibition., (e) Compensation. Directors shall not accept compensation for services performed for the Bank from any source other than the Bank for which the services are performed., (f) Definitions. For purposes of this section:, (1) Immediate family member means parent, sibling, spouse, child, or dependent, or any relative sharing the same residence as the director., (2) Financial interest means a direct or indirect financial interest in any activity, transaction, property, or relationship that involves receiving or providing something of monetary value, and includes, but is not limited to any right, contractual or otherwise, to the payment of money, whether contingent or fixed. It does not include a deposit or savings account maintained with a member, nor does it include a loan or extension of credit obtained from a member in the normal course of business on terms that are available generally to the public., (3) Business associate means any individual or entity with whom a director has a business relationship, including, but not limited to:, (i) Any corporation or organization of which the director is an officer or partner, or in which the director beneficially owns ten percent or more of any class of equity security, including subordinated debt;, (ii) Any other partner, officer, or beneficial owner of ten percent or more of any class of equity security, including subordinated debt, of any such corporation or organization; and, (iii) Any trust or other estate in which a director has a substantial beneficial interest or as to which the director serves as trustee or in a similar fiduciary capacity. ", "meta": {"chapter": ["XII"], "chapter_title": ["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["D"], "subchapter_title": ["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"], "part": ["1261"], "part_title": ["PART 1261 - FEDERAL HOME LOAN BANK DIRECTORS"], "section": ["1261.11"], "section_title": ["\u00a7 1261.11 Conflict-of-interests policy for Bank directors."]}}
+{"text": "Any bank which refers any applicants to a controlled entity and which purchases any covered loan as defined in Regulation C of the Bureau of Consumer Financial Protection (12 CFR part 1003) originated by the controlled entity, as a condition to transacting any business with the controlled entity, shall require the controlled entity to enter into a written agreement with the bank. The written agreement shall provide that the entity shall:, (a) Comply with the requirements of \u00a7\u00a7 338.3, 338.4, and 338.7, and, if otherwise subject to Regulation C of the Bureau of Consumer Financial Protection (12 CFR part 1003), \u00a7 338.8;, (b) Open its books and records to examination by the Federal Deposit Insurance Corporation; and, (c) Comply with all instructions and orders issued by the Federal Deposit Insurance Corporation with respect to its home loan practices.", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"], "part": ["338"], "part_title": ["PART 338 - FAIR HOUSING"], "section": ["338.9"], "section_title": ["\u00a7 338.9 Mortgage lending of a controlled entity."]}}
+{"text": "A charge that any bank or labor organization, or agents or representatives of a bank or labor organization, has engaged in or is engaging in any act prohibited under \u00a7 269.6 of the policy or has failed to take any action required by \u00a7 269.6 of the policy may be filed by any party in interest, or its representative, within 60 days after the alleged violations or within 60 days after the charging party has become or should have become aware of the alleged violation. ", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["269b"], "part_title": ["PART 269b - CHARGES OF UNFAIR LABOR PRACTICES"], "section": ["269b.110"], "section_title": ["\u00a7 269b.110 Charges."]}}
+{"text": "Within 15 days after service of the recommended decision, findings, conclusions, and proposed order, the applicant or counsel for NCUA may file with the NCUA Board written exceptions thereto. A supporting brief may also be filed. The NCUA Board shall render its decision within 60 days after the matter is submitted to it. The NCUA Board shall furnish copies of its decision and order to the parties. Judicial review of the NCUA Board's final decision and order may be obtained as provided in 5 U.S.C. 504(c)(2).", "meta": {"chapter": ["VII"], "chapter_title": ["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"], "part": ["747"], "part_title": ["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"], "section": ["747.615"], "section_title": ["\u00a7 747.615 Decision of the NCUA Board."]}}
+{"text": "The Secretary of the Board (or the Secretary's delegee) is authorized:, (a) Procedure - (1) Extension of time period for public participation in proposed regulations. To extend, when appropriate under the Board's Rules of Procedure (12 CFR 262.2 (a) and (b)), the time period for public participation with respect to proposed regulations of the Board. , (2) Extension of time period in notices, orders, rules, or regulations. (i) To grant or deny requests to extend any time period in any notice, order, rule, or regulation of the Board relating to filing information, comments, opposition, briefs, exceptions, or other matters, in connection with any application, request or petition for the Board's approval, authority, determination, or permission, or any other action by the Board. , (ii) Notwithstanding \u00a7 265.3 of this part, no person claiming to be adversely affected by any such extension of time by the Secretary shall have the right to petition the Board or any Board member for review or reconsideration of the extension. , (3) Conforming citations and references in Board rules and regulations. (i) To conform references to administrative positions or units in Board rules and regulations with changes in the administrative structure of the Board and in the government and agencies of the United States. , (ii) To conform citations and references in Board rules and regulations with other regulatory or statutory changes adopted or promulgated by the Board or by the government or agencies of the United States. , (4) Technical corrections in Board rules and regulations. To make technical corrections, such as spelling, grammar, construction, and organization (including removal of obsolete provisions and consolidation of related provisions), to the Board's rules, regulations, and orders and other records of Board action but only with the concurrence of the Board's General Counsel. , (b) Availability of information - (1) FOIA requests. To make available, upon request, information in Board records and consider requests for confidential treatment of information in Board records under the Freedom of Information Act (5 U.S.C. 552) and under the Board's Rules Regarding Availability of Information (12 CFR part 261). , (2) Review of denial of access to Board records; FOIA. To review and determine an appeal of denial of access to Board records under the Freedom of Information Act (5 U.S.C. 552), the Privacy Act (5 U.S.C. 552a), and the Board's rules regarding such access (12 CFR parts 261 and 261a, respectively)., (3) Annual reports on Privacy Act. To approve annual reports required by the Privacy Act (5 U.S.C. 552a(p)) from the Board to the Office of Management and Budget for inclusion in the President's annual consolidated report to Congress. , (4) Report on prime rate of commercial banks. To determine and report, under 26 U.S.C. (IRC) 6621, to the Secretary of the Treasury the average predominant prime rate quoted by commercial banks to large businesses. , (c) Bank holding companies; Change in bank control; Mergers - (1) Reports on competitive factors in bank mergers. To furnish reports on competitive factors involved in a bank merger to the Comptroller of the Currency and the Federal Deposit Insurance Corporation under the provisions of the Federal Deposit Insurance Act (12 U.S.C. 1828(c)); The Bank Holding Company Act (12 U.S.C. 1842(a), 1843(c)(14)); the Bank Service Corporation Act (12 U.S.C. 1865(a), (b), 1867(d)); the Change in Bank Control Act (12 U.S.C. 1817(j)); and the Federal Reserve Act (12 U.S.C. 321 et seq., 601-604a, 611 et seq.)., (2) Reserve Bank director interlocks. To take actions the Reserve Bank could take except for the fact that the Reserve Bank may not act because a director, senior officer, or principal shareholder of any holding company, bank, or company involved in the transaction is a director of that Reserve Bank or branch of the Reserve Bank. , (3) Application approval under section 5(d)(3) of the FDI Act. To approve applications pursuant to section 5(d)(3) of the Federal Deposit Insurance Act (12 U.S.C. 1815(d)(3)), in those cases in which the appropriate Federal Reserve Bank concludes that, because of unusual considerations, or for other good cause, it should not take action., (d) International banking. (1) Reserved, (2) Acquisition of foreign company or U.S. company financing exports. To grant, under sections 25 and 25A of the Federal Reserve Act (12 U.S.C. 601 and 604) and section 4(c)(13) of the Bank Holding Company Act (12 U.S.C. 1843(c)(13)) and the Board's Regulations K and Y (12 CFR parts 211 and 225), specific consent to the acquisition, either directly or indirectly, by a member bank, an Edge or Agreement corporation, or a bank holding company of stock of a company chartered under the laws of a foreign country or a company chartered under the laws of a state of the United States that is organized and operated for the purpose of financing exports from the United States, and to approve any such acquisition that may exceed the limitations of section 25A of the Federal Reserve Act based on the company's capital and surplus, if all of the following conditions are met:, (i) The appropriate Reserve Bank and all relevant divisions of the Board's staff recommend approval;, (ii) No significant policy issue is raised on which the Board has not expressed its view;, (iii) The acquisition does not result, either directly or indirectly, in the bank, corporation, or bank holding company acquiring effective control of the company, except that this condition need not be met if:, (A) The company is to perform nominee, fiduciary, or other services incidental to the activities of a foreign branch or affiliate of the bank holding company, or corporation; or, (B) The stock is being acquired from the parent bank or bank holding company, or subsidiary Edge or Agreement corporation, as the case may be, and the selling parent or subsidiary holds the stock with the consent of the Board pursuant to Regulations K and Y (12 CFR parts 211 and 225)., (3) Reserved, (e) Member banks - (1) Waiver of penalty for early withdrawals of time deposits. To permit depository institutions to waive the penalty for early withdrawal of time deposits under section 19(j) of the Federal Reserve Act (12 U.S.C. 371b) and \u00a7 204.2 of Regulation D (12 CFR part 204) if the following conditions are met:, (i) The President declares an area of major disaster or emergency area pursuant to section 301 of the Disaster Relief Act of 1974 (42 U.S.C. 5141);, (ii) The waiver is limited to depositors suffering disaster or emergency related losses in the officially designated area; and, (iii) The appropriate Reserve Bank and all relevant divisions of the Board's staff recommend approval., (2) Reserved, (f) Location of institution. To determine the Federal Reserve District in which an institution is located pursuant to \u00a7 204.3(b)(2)(ii) of Regulation D (12 CFR part 204) or \u00a7 209.15(b) of Regulation I (12 CFR part 209) if:, (1) The relevant Federal Reserve Banks and the institution agree on the specific Reserve Bank in which the institution should hold stock or with which the institution should maintain reserve balances; and, (2) The agreed-upon location does not raise any significant policy issues.", "meta": {"chapter": ["II"], "chapter_title": ["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"], "part": ["265"], "part_title": ["PART 265 - RULES REGARDING DELEGATION OF AUTHORITY"], "section": ["265.5"], "section_title": ["\u00a7 265.5 Functions delegated to Secretary of the Board."]}}
+{"text": "(a) General rule. (1) Limits on discovery. Subject to the limitations set out in paragraphs (a)(2), (b), (d), and (e) of this section, a party to a proceeding under this part may obtain document discovery by serving upon any other party in the proceeding a written request to produce documents. For purposes of such requests, the term \u201cdocuments\u201d may be defined to include records, drawings, graphs, charts, photographs, recordings, or data stored in electronic form or other data compilations from which information can be obtained or translated, if necessary, by the parties through detection devices into reasonably usable form (e.g., electronically stored information), as well as written material of all kinds., (2) Discovery plan. (i) In the initial scheduling conference held in accordance with \u00a7 1209.36, or otherwise at the earliest practicable time, the presiding officer shall require the parties to confer in good faith to develop and submit a joint discovery plan for the timely, cost-effective management of document discovery (including, if applicable, electronically stored information). The discovery plan should provide for the coordination of similar discovery requests by multiple parties, if any, and specify how costs are to be apportioned among those parties. The discovery plan shall specify the form of electronic productions, if any. Documents are to be produced in accordance with the technical specifications described in the discovery plan., (ii) Discovery in the proceeding may commence upon the approval of the discovery plan by the presiding officer. Thereafter, the presiding officer may interpret or modify the discovery plan for good cause shown or in his or her discretion due to changed circumstances., (iii) Nothing in paragraph (a)(2) of this section shall be interpreted or deemed to require the production of documents that are privileged or not reasonably accessible because of undue burden or cost, or to require any document production otherwise inconsistent with the limitations on discovery set forth in this part., (b) Relevance and scope. (1) A party may obtain document discovery regarding any matter not privileged that is materially relevant to the charges or allowable defenses raised in the pending proceeding., (2) The scope of available discovery shall be limited in accordance with subpart C of this part. Any request for the production of documents that seeks to obtain privileged information or documents not materially relevant under paragraph (b)(1) of this section, or that is unreasonable, oppressive, excessive in scope, unduly burdensome, cumulative, or repetitive of any prior discovery requests, shall be denied or modified., (3) A request for document discovery is unreasonable, oppressive, excessive in scope, or unduly burdensome - and shall be denied or modified - if, among other things, the request:, (i) Fails to specify justifiable limitations on the relevant subject matter, time period covered, search parameters, or the geographic location(s) or data repositories to be searched;, (ii) Fails to identify documents with sufficient specificity;, (iii) Seeks material that is duplicative, cumulative, or obtainable from another source that is more accessible, cost-effective, or less burdensome;, (iv) Calls for the production of documents to be delivered to the requesting party or his or her designee and fails to provide a written agreement by the requestor to pay in advance for the costs of production in accordance with \u00a7 1209.30, or otherwise fails to take into account costs associated with processing electronically stored information or any cost-sharing agreements between the parties;, (v) Fails to afford the responding party adequate time to respond; or, (vi) Fails to take into account retention policies or security protocols with respect to Federal information systems., (c) Forms of discovery. Discovery shall be limited to requests for production of documents for inspection and copying. No other form of discovery shall be allowed. Discovery by use of interrogatories is not permitted. This paragraph shall not be interpreted to require the creation of a document., (d) Privileged matter. (1) Privileged documents are not discoverable. (i) Privileges include the attorney-client privilege, work-product privilege, any government's or government agency's deliberative process privilege, and any other privileges provided by the Constitution, any applicable act of Congress, or the principles of common law., (ii) The parties may enter into a written agreement to permit a producing party to assert applicable privileges of a document even after its production and to request the return or destruction of privileged matter (claw back agreement). The parties shall file the claw back agreement with the presiding officer. To ensure the enforceability of the terms of any such claw back agreement, the presiding officer shall enter an order. Any party may petition the presiding officer for an order specifying claw back procedures for good cause shown., (2) No effect on examination authority. The limitations on discoverable matter provided for in this part are not intended and shall not be construed to limit or otherwise affect the examination, regulatory or supervisory authority of FHFA., (e) Time limits. All discovery matters, including all responses to discovery requests, shall be completed at least 20 days prior to the date scheduled for the commencement of the testimonial phase of the hearing. No exception to this discovery time limit shall be permitted, unless the presiding officer finds on the record that good cause exists for waiving the 20-day requirement of this paragraph., (f) Production. Documents must be produced as they are kept in the usual course of business, or labeled and organized to correspond with the categories in the request, or otherwise produced in a manner determined by mutual agreement between the requesting party and the party or non-party to whom the request is directed in accordance with this part.", "meta": {"chapter": ["XII"], "chapter_title": ["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["A"], "subchapter_title": ["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"], "part": ["1209"], "part_title": ["PART 1209 - RULES OF PRACTICE AND PROCEDURE"], "section": ["1209.29"], "section_title": ["\u00a7 1209.29 Discovery."]}}
+{"text": "(a) A bank or association chartered under title I or II of the Act may finance eligible borrower operations conducted wholly within its chartered territory regardless of the residence of the applicant., (b) A bank or association operating under title I or II of the Act may finance the operations of a borrower headquartered and operating in its territory even though the operation financed is conducted partially outside its territory, provided notice is given to all Farm Credit institutions providing similar credit in the territory(ies) in which the operations being financed are conducted. A bank or association operating under title I or II of the Act may lend to a borrower headquartered outside its territory to finance eligible borrower operations that are conducted partially within its territory and partially outside its territory only if the concurrence of Farm Credit institutions providing similar credit for the territories in which the operations are conducted is obtained., (c) A bank or association chartered under title I or II of the Act may finance eligible borrower operations conducted wholly outside its chartered territory, provided such loans are authorized by the policies of the bank and/or association involved, do not constitute a significant shift in loan volume away from the bank or association's assigned territory, and are made and administered in accordance with paragraphs (c)(1) and (c)(2) of this section., (1) If a loan is made to an eligible borrower whose operations are conducted wholly outside the chartered territory of the lending bank or association, the lending institution shall obtain concurrence of all Farm Credit institutions providing similar credit in the territory(ies) in which the operation being financed is conducted., (2) Loans to finance eligible borrower operations conducted wholly outside a bank's or association's territory shall be appropriately designated by the bank or association to provide adequate identification of the number and volume of such loans, which shall be monitored by the bank or association., (d) A bank or association chartered under title I or II of the Act may finance eligible borrower operations conducted wholly or partially outside its chartered territory through the purchase of loans from the Federal Deposit Insurance Corporation in compliance with \u00a7 614.4325(b)(3), provided:, (1) Notice is given to the Farm Credit System institution(s) chartered to serve the territory where the headquarters of the borrower's operation being financed is located; and, (2) After loan purchase, additional financing of eligible borrower operations complies with paragraphs (a), (b), and (c) of this section.", "meta": {"chapter": ["VI"], "chapter_title": ["CHAPTER VI - FARM CREDIT ADMINISTRATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - FARM CREDIT SYSTEM"], "part": ["614"], "part_title": ["PART 614 - LOAN POLICIES AND OPERATIONS"], "section": ["614.4070"], "section_title": ["\u00a7 614.4070 Loans and chartered territory - Farm Credit Banks, agricultural credit banks, Federal land bank associations, Federal land credit associations, production credit associations, and agricultural credit associations."]}}
+{"text": "(a) Information - (1) Information to the regulated entity or entities. If the Director determines, based on standards enunciated in this part, that a temporary increase in the minimum capital level is necessary, the Director will provide notice to the affected regulated entity or entities 30 days in advance of the date that the temporary minimum capital requirement becomes effective, unless the Director determines that an exigency exists that does not permit such notice or the Director determines a longer time period would be appropriate., (2) Information to the Government. The Director shall inform the Secretary of the Treasury, the Secretary of Housing and Urban Development, and the Chairman of the Securities and Exchange Commission of a temporary increase in the minimum capital level contemporaneously with informing the affected regulated entity or entities., (b) Comments. The affected regulated entity or entities may provide comments regarding or objections to the temporary increase to FHFA within 15 days or such other period as the Director determines appropriate under the circumstances. The Director may determine to modify, delay, or rescind the announced temporary increase in response to such comments or objection, but no further notice is required for the temporary increase to become effective upon the date originally determined by the Director., (c) Communication. The Director shall transmit notice of a temporary increase or rescission of a temporary increase in the minimum capital level in writing, using electronic or such other means as appropriate. Such communication shall set forth, at a minimum, the bases for the Director's determination, the amount of increase or decrease in the minimum capital level, the anticipated duration of such increase, and a description of the procedures for requesting a rescission of the temporary increase in the minimum capital level., (d) Written plan. In making a finding under this part, the Director may require a written plan to augment capital to be submitted on a timely basis to address the methods by which such temporary increase may be attained and the time period for reaching the new temporary minimum capital level., (e) Time frame for review of temporary increase for purpose of rescission. (1) Absent an earlier determination to rescind in whole or in part a temporary increase in the minimum capital level for a regulated entity or entities, the Director shall no less than every 12 months, consider the need to maintain, modify, or rescind such increase., (2) A regulated entity or regulated entities may at any time request in writing such review by the Director.", "meta": {"chapter": ["XII"], "chapter_title": ["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - ENTITY REGULATIONS"], "part": ["1225"], "part_title": ["PART 1225 - MINIMUM CAPITAL - TEMPORARY INCREASE"], "section": ["1225.3"], "section_title": ["\u00a7 1225.3 Procedures."]}}
+{"text": "(a) No waiver of privilege. The release of information under this part does not constitute a waiver by FHFA of any privilege, or of its right to control, supervise or impose limitations on the subsequent use and disclosure of any information concerning a Bank. To the extent that any information provided to a Bank or the Office of Finance pursuant to this part qualifies as non-public information under part 1214 of this chapter, that information shall continue to qualify as such and shall continue to be subject to the restrictions on disclosure set forth in part 1214, provided that a Bank shall not be deemed to have violated any provision of \u00a7 1214.3 of this chapter by disclosing in its filings with the SEC non-public information about another Bank that was obtained pursuant to this part if the disclosure is limited to a recital of the relevant factual content of the underlying information and the Bank has provided the notice required by paragraph (b) of this section., (b) Disclosures under the Federal securities laws. If a Bank determines in good faith that it is required by any applicable provision of the 1934 Act or of 17 CFR chapter II to disclose non-public information relating to another Bank that it has received pursuant to this part, it shall provide to FHFA and to the Bank to which the information pertains prior written notice of such determination and of the content and anticipated timing of the disclosure, which notice shall be provided as far in advance of the anticipated disclosure as is feasible under the circumstances., (c) Safeguarding of information. A Bank may use non-public information distributed pursuant to this part only for the purposes described in section 20A(a) of the Bank Act. Except as otherwise provided in this part, neither the Office of Finance, nor any Bank, nor any officer, director or employee thereof, may disclose or permit the use or disclosure of any non-public information regarding another Bank received pursuant to this part in any manner or for any purpose. Each Bank and the Office of Finance shall implement policies and procedures to prevent the improper disclosure of such information and to limit the access of its personnel to such information, which policies and procedures shall be no less stringent than those that apply to the entity's own confidential and supervisory information., (d) Information regarding the Office of Finance. A Bank president that receives any information regarding the Office of Finance in his or her capacity as a member of the board of directors of the Office of Finance may share the information with the board of directors of the Bank at which he or she is employed, as well as with the appropriate officers and employees of the Bank, subject to the limitations of this part.", "meta": {"chapter": ["XII"], "chapter_title": ["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"], "subchapter": ["D"], "subchapter_title": ["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"], "part": ["1260"], "part_title": ["PART 1260 - SHARING OF INFORMATION AMONG FEDERAL HOME LOAN BANKS"], "section": ["1260.5"], "section_title": ["\u00a7 1260.5 Control and disclosure of shared information."]}}
+{"text": "(a) General requirement. A covered FSI must ensure that each covered QFC conforms to the requirements of \u00a7\u00a7 382.3 and 382.4 of this part., (b) Covered FSI. For purposes of this part a covered FSI means, (1) Any State savings association or State non-member bank (as defined in the Federal Deposit Insurance Act, 12 U.S.C. 1813(e)(2)) that is a direct or indirect subsidiary of:, (i) A global systemically important bank holding company that has been designated pursuant to \u00a7 252.82(a)(1) of the Federal Reserve Board's Regulation YY (12 CFR 252.82); or, (ii) A global systemically important foreign banking organization that has been designated pursuant to subpart I of 12 CFR part 252 (FRB Regulation YY), and, (2) Any subsidiary of a covered FSI other than:, (i) A subsidiary that is owned in satisfaction of debt previously contracted in good faith;, (ii) A portfolio concern that is a small business investment company, as defined in section 103(3) of the Small Business Investment Act of 1958 (15 U.S.C. 662), or that has received from the Small Business Administration notice to proceed to qualify for a license as a Small Business Investment Company, which notice or license has not been revoked; or, (iii) A subsidiary designed to promote the public welfare, of the type permitted under paragraph (11) of section 5136 of the Revised Statutes of the United States (12 U.S.C. 24), including the welfare of low- to moderate-income communities or families (such as providing housing, services, or jobs)., (c) Covered QFCs. For purposes of this part, a covered QFC is:, (1) With respect to a covered FSI that is a covered FSI on January 1, 2018, an in-scope QFC that the covered FSI:, (i) Enters, executes, or otherwise becomes a party to on or after January 1, 2019; or, (ii) Entered, executed, or otherwise became a party to before January 1, 2019, if the covered FSI or any affiliate that is a covered entity, covered bank, or covered FSI also enters, executes, or otherwise becomes a party to a QFC with the same person or a consolidated affiliate of the same person on or after January 1, 2019., (2) With respect to a covered FSI that becomes a covered FSI after January 1, 2018, an in-scope QFC that the covered FSI:, (i) Enters, executes, or otherwise becomes a party to on or after the later of the date the covered FSI first becomes a covered FSI and January 1, 2019; or, (ii) Entered, executed, or otherwise became a party to before the date identified in paragraph (c)(2)(i) of this section with respect to the covered FSI, if the covered FSI or any affiliate that is a covered entity, covered bank or covered FSI also enters, executes, or otherwise becomes a party to a QFC with the same person or consolidated affiliate of the same person on or after the date identified in paragraph (c)(2)(i) of this section with respect to the covered FSI., (d) In-scope QFCs. An in-scope QFC is a QFC that explicitly:, (1) Restricts the transfer of a QFC (or any interest or obligation in or under, or any property securing, the QFC) from a covered FSI; or, (2) Provides one or more default rights with respect to a QFC that may be exercised against a covered FSI., (e) Rules of construction. For purposes of this part,, (1) A covered FSI does not become a party to a QFC solely by acting as agent with respect to the QFC; and, (2) The exercise of a default right with respect to a covered QFC includes the automatic or deemed exercise of the default right pursuant to the terms of the QFC or other arrangement., (f) Initial applicability of requirements for covered QFCs. (1) With respect to each of its covered QFCs, a covered FSI that is a covered FSI on January 1, 2018 must conform the covered QFC to the requirements of this part by:, (i) January 1, 2019, if each party to the covered QFC is a covered entity, covered bank, or covered FSI., (ii) July 1, 2019, if each party to the covered QFC (other than the covered FSI) is a financial counterparty that is not a covered entity, covered bank or covered FSI; or, (iii) January 1, 2020, if a party to the covered QFC (other than the covered FSI) is not described in paragraph (f)(1)(i) or (ii) of this section or if, notwithstanding paragraph (f)(1)(ii), a party to the covered QFC (other than the covered FSI) is a small financial institution., (2) With respect to each of its covered QFCs, a covered FSI that is not a covered FSI on January 1, 2018 must conform the covered QFC to the requirements of this part by:, (i) The first day of the calendar quarter immediately following 1 year after the date the covered FSI first becomes a covered FSI if each party to the covered QFC is a covered entity, covered bank, or covered FSI;, (ii) The first day of the calendar quarter immediately following 18 months from the date the covered FSI first becomes a covered FSI if each party to the covered QFC (other than the covered FSI) is a financial counterparty that is not a covered entity, covered bank or covered FSI; or, (iii) The first day of the calendar quarter immediately following 2 years from the date the covered FSI first becomes a covered FSI if a party to the covered QFC (other than the covered FSI) is not described in paragraph (f)(2)(i) or (ii) of this section or if, notwithstanding paragraph (f)(2)(ii), a party to the covered QFC (other than the covered FSI) is a small financial institution., (g) Rights of receiver unaffected. Nothing in this part shall in any manner limit or modify the rights and powers of the FDIC as receiver under the Federal Deposit Insurance Act or Title II of the Dodd-Frank Act, including, without limitation, the rights of the receiver to enforce provisions of the Federal Deposit Insurance Act or Title II of the Dodd-Frank Act that limit the enforceability of certain contractual provisions.", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"], "part": ["382"], "part_title": ["PART 382 - RESTRICTIONS ON QUALIFIED FINANCIAL CONTRACTS"], "section": ["382.2"], "section_title": ["\u00a7 382.2 Applicability."]}}
+{"text": "A nonqualified retirement plan that provides benefits in addition to those covered by other retirement plans for all employees and funded in whole or part by a Farm Credit institution.", "meta": {"chapter": ["VI"], "chapter_title": ["CHAPTER VI - FARM CREDIT ADMINISTRATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - FARM CREDIT SYSTEM"], "part": ["619"], "part_title": ["PART 619 - DEFINITIONS"], "section": ["619.9335"], "section_title": ["\u00a7 619.9335 Supplemental retirement plan or supplemental executive retirement plan."]}}
+{"text": "(a) Membership in appraisal organizations. A State certified appraiser or a State licensed appraiser may not be excluded from consideration for an assignment for a federally related transaction solely by virtue of membership or lack of membership in any particular appraisal organization., (b) Competency. All staff and fee appraisers performing appraisals in connection with federally related transactions must be State certified or licensed, as appropriate. However, a State certified or licensed appraiser may not be considered competent solely by virtue of being certified or licensed. Any determination of competency shall be based upon the individual's experience and educational background as they relate to the particular appraisal assignment for which he or she is being considered.", "meta": {"chapter": ["III"], "chapter_title": ["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"], "subchapter": ["B"], "subchapter_title": ["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"], "part": ["323"], "part_title": ["PART 323 - APPRAISALS"], "section": ["323.6"], "section_title": ["\u00a7 323.6 Professional association membership; competency."]}}
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+{"text": "(a) General definition of covered agreement. A covered agreement is any contract, arrangement, or understanding that meets all of the following criteria - , (1) The agreement is in writing. , (2) The parties to the agreement include - , (i) One or more insured depository institutions or affiliates of an insured depository institution; and , (ii) One or more nongovernmental entities or persons (referred to hereafter as NGEPs). , (3) The agreement provides for the insured depository institution or any affiliate to - , (i) Provide to one or more individuals or entities (whether or not parties to the agreement) cash payments, grants, or other consideration (except loans) that have an aggregate value of more than $10,000 in any calendar year; or, (ii) Make to one or more individuals or entities (whether or not parties to the agreement) loans that have an aggregate principal amount of more than $50,000 in any calendar year. , (4) The agreement is made pursuant to, or in connection with, the fulfillment of the Community Reinvestment Act of 1977 (12 U.S.C. 2901 et seq.) (CRA), as defined in § 207.4. , (5) The agreement is with a NGEP that has had a CRA communication as described in § 207.3 prior to entering into the agreement. , (b) Examples concerning written arrangements or understandings - (1) Example 1. A NGEP meets with an insured depository institution and states that the institution needs to make more community development investments in the NGEP's community. The NGEP and insured depository institution do not reach an agreement concerning the community development investments the institution should make in the community, and the parties do not reach any mutual arrangement or understanding. Two weeks later, the institution unilaterally issues a press release announcing that it has established a general goal of making $100 million of community development grants in low- and moderate-income neighborhoods served by the insured depository institution over the next 5 years. The NGEP is not identified in the press release. The press release is not a written arrangement or understanding. , (2) Example 2. A NGEP meets with an insured depository institution and states that the institution needs to offer new loan programs in the NGEP's community. The NGEP and the insured depository institution reach a mutual arrangement or understanding that the institution will provide additional loans in the NGEP's community. The institution tells the NGEP that it will issue a press release announcing the program. Later, the insured depository institution issues a press release announcing the loan program. The press release incorporates the key terms of the understanding reached between the NGEP and the insured depository institution. The written press release reflects the mutual arrangement or understanding of the NGEP and the insured depository institution and is, therefore, a written arrangement or understanding. , (3) Example 3. An NGEP sends a letter to an insured depository institution requesting that the institution provide a $15,000 grant to the NGEP. The insured depository institution responds in writing and agrees to provide the grant in connection with its annual grant program. The exchange of letters constitutes a written arrangement or understanding. , (c) Loan agreements that are not covered agreements. A covered agreement does not include - , (1) Any individual loan that is secured by real estate; or , (2) Any specific contract or commitment for a loan or extension of credit to an individual, business, farm, or other entity, or group of such individuals or entities, if - , (i) The funds are loaned at rates that are not substantially below market rates; and , (ii) The loan application or other loan documentation does not indicate that the borrower intends or is authorized to use the borrowed funds to make a loan or extension of credit to one or more third parties. , (d) Examples concerning loan agreements - (1) Example 1. An insured depository institution provides an organization with a $1 million loan that is documented in writing and is secured by real estate owned or to-be-acquired by the organization. The agreement is an individual mortgage loan and is exempt from coverage under paragraph (c)(1) of this section, regardless of the interest rate on the loan or whether the organization intends or is authorized to re-loan the funds to a third party. , (2) Example 2. An insured depository institution commits to provide a $500,000 line of credit to a small business that is documented by a written agreement. The loan is made at rates that are within the range of rates offered by the institution to similarly situated small businesses in the market and the loan documentation does not indicate that the small business intends or is authorized to re-lend the borrowed funds. The agreement is exempt from coverage under paragraph (c)(2) of this section. , (3) Example 3. An insured depository institution offers small business loans that are guaranteed by the Small Business Administration (SBA). A small business obtains a $75,000 loan, documented in writing, from the institution under the institution's SBA loan program. The loan documentation does not indicate that the borrower intends or is authorized to re-lend the funds. Although the rate charged on the loan is well below that charged by the institution on commercial loans, the rate is within the range of rates that the institution would charge a similarly situated small business for a similar loan under the SBA loan program. Accordingly, the loan is not made at substantially below market rates and is exempt from coverage under paragraph (c)(2) of this section. , (4) Example 4. A bank holding company enters into a written agreement with a community development organization that provides that insured depository institutions owned by the bank holding company will make $250 million in small business loans in the community over the next 5 years. The written agreement is not a specific contract or commitment for a loan or an extension of credit and, thus, is not exempt from coverage under paragraph (c)(2) of this section. Each small business loan made by the insured depository institution pursuant to this general commitment would, however, be exempt from coverage if the loan is made at rates that are not substantially below market rates and the loan documentation does not indicate that the borrower intended or was authorized to re-lend the funds. , (e) Agreements that include exempt loan agreements. If an agreement includes a loan, extension of credit or loan commitment that, if documented separately, would be exempt under paragraph (c) of this section, the exempt loan, extension of credit or loan commitment may be excluded for purposes of determining whether the agreement is a covered agreement. , (f) Determining annual value of agreements that lack schedule of disbursements. For purposes of paragraph (a)(3) of this section, a multi-year agreement that does not include a schedule for the disbursement of payments, grants, loans or other consideration by the insured depository institution or affiliate, is considered to have a value in the first year of the agreement equal to all payments, grants, loans and other consideration to be provided at any time under the agreement. ", "label": "ReportingAndCompliance"}
+{"text": "Except for records that are exempt from public disclosure under FOIA as amended (5 U.S.C. 552) or are promptly published and copies are available for purchase, NCUA routinely makes the following five types of records available for you to inspect and copy and in an electronic format:, (a) Final opinions, including concurring and dissenting opinions, and orders made in the adjudication of cases;, (b) Statements of policy and interpretations which have been adopted by the agency but not published in the Federal Register;, (c) Administrative staff manuals and instructions to staff that affect a member of the public;, (d) Copies of all records, regardless of form or format, which have been released after March 31, 1997, in response to a FOIA request and which, because of the nature of their subject matter, NCUA determines have been or are likely to become the subject of subsequent requests; or records that have been requested three (3) or more times; and, (e) Indices of the documents referred to in this paragraph.", "label": "ReportingAndCompliance"}
+{"text": "(a) General. In order to enable each Bank to evaluate the financial condition of any one or more of the other Banks and the Bank System, FHFA shall distribute to each Bank and to the Office of Finance, or shall require each Bank to distribute directly to each other Bank and the Office of Finance, such categories of financial and supervisory information regarding each Bank and the Bank system as it determines to be appropriate, subject to the requirements of this part., (b) Notice. FHFA shall prepare and issue to each Bank and the Office of Finance a notice setting forth the categories of information to be distributed, which it shall review from time to time and revise as necessary to ensure that the information distributed remains useful to the Banks in evaluating the financial strength of the other Banks and the Bank System. Prior to issuing a new or revised notice, FHFA shall notify each Bank and the Office of Finance of its proposed contents and allow them a reasonable period within which to comment., (c) Director's orders. The Director or his designee may issue such orders as are necessary to effect the distribution of the information set forth in the notice issued under paragraph (b) of this section and to carry out the provisions of this part.", "label": "ReportingAndCompliance"}
+{"text": "Any respondent may, at any time in the proceeding, unilaterally submit to Enforcement Counsel written offers or proposals for settlement of a proceeding, without prejudice to the rights of any of the parties. No such offer or proposal shall be made to any NCUA representative other than Enforcement Counsel. Submission of a written settlement offer does not provide a basis for adjourning or otherwise delaying all or any portion of a proceeding under this part. No settlement offer or proposal, or any subsequent negotiation or resolution, is admissible as evidence in any proceeding.", "label": "ReportingAndCompliance"}
+{"text": "Any agreement entered into with a labor organization as the exclusive representative of employees in a unit must be approved by the President of the Bank or a designated officer representative. All agreements with labor organizations shall also be subject to the requirement that the administration of all matters covered by the agreement shall be governed by the provisions of applicable laws and Federal Reserve System rules and regulations, and the agreement shall at all times be applied subject to such laws and regulations.", "label": "CorporateGovernance"}
+{"text": "(a) Termination. A management official shall terminate his or her service or apply for an exemption if a change in circumstances causes the service to become prohibited. A change in circumstances may include an increase in asset size of an organization, a change in the delineation of the RMSA or community, the establishment of an office, an increase in the aggregate deposits of the depository organization, or an acquisition, merger, consolidation, or reorganization of the ownership structure of a depository organization that causes a previously permissible interlock to become prohibited., (b) Transition period. A management official described in paragraph (a) of this section may continue to serve the depository organization involved in the interlock for 15 months following the date of the change in circumstances. The Board may shorten this period under appropriate circumstances.", "label": "ReportingAndCompliance"}
+{"text": "The Director of the Board's Division of Consumer and Community Affairs (or the Director's delegee) is authorized:, (a) Issuing examination manuals, forms, and other materials. To issue examination or inspection manuals; report, agreement, and examination forms; examination procedures, guidelines, instructions, and other similar materials pursuant to: section 11(a) of the Federal Reserve Act (12 U.S.C. 248(a)); sections 108(b), 621(c), 704(b), 814(c), and 917(b) of the Consumer Credit Protection Act (15 U.S.C. 1607(b), 1681s(b), 1691c(b), 1692l(c) and 1693o(b)); section 305(c) of the Home Mortgage Disclosure Act (12 U.S.C. 2804(c)); section 18(f)(3) of the Federal Trade Commission Act (15 U.S.C. 57a(f)(3)); section 808(c) of the Civil Rights Act of 1968 (42 U.S.C. 3608(c)); section 270(b) of the Truth in Savings Act (12 U.S.C. 4309); and section 5 of the Bank Holding Company Act of 1956 (12 U.S.C. 1844(c)). The foregoing manuals, forms, and other materials are for use within the Federal Reserve System in the administration of enforcement responsibilities in connection with:, (1) Sections 1-200 and 501-921 of the Consumer Credit Protection Act (15 U.S.C. 1601-1693r), in regard to the Truth in Lending Act, the Consumer Leasing Act, the Equal Credit Opportunity Act, the Electronic Fund Transfer Act, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act;, (2) Sections 301-312 of the Home Mortgage Disclosure Act (12 U.S.C. 2801-2811); , (3) Section 18(f)(1)-(3) of the Federal Trade Commission Act (15 U.S.C. 57a(f)(1)-(3));, (4) Section 805 of the Civil Rights Act of 1968 (42 U.S.C. 3605) and rules and regulations issued thereunder; , (5) Section 1364 of the National Flood Insurance Act of 1968 (42 U.S.C. 4101(a)), and sections 105(b) and 202(b) of the Flood Disaster Protection Act of 1973 (42 U.S.C. 4012a(b), 4106(b)); , (6) Section 19(j) of the Federal Reserve Act (12 U.S.C. 371b); and , (7) Sections 801-806 of the Community Reinvestment Act (12 U.S.C. 2901-2905). , (8) Sections 261-274 of the Truth in Savings Act (12 U.S.C. 4301-4313)., (b) Consumer Advisory Council. Pursuant to section 703(b) of the Consumer Credit Protection Act (15 U.S.C. 1691b(b)), to call meetings of and consult with the Consumer Advisory Council established under that section, approve the agenda for such meetings, and accept any resignations from Consumer Advisory Council members. , (c) Determining inconsistencies between state and federal laws. To determine whether a state law is inconsistent with the following federal acts and regulations:, (1) Sections 111, 171(a) and 186(a) of the Truth in Lending Act (15 U.S.C. 1610(a), 1666j(a), 1667e(a)) and § 226.28 of Regulation Z (12 CFR part 226) and § 213.7 of Regulation M (12 CFR part 213);, (2) Section 919 of the Electronic Fund Transfer Act (15 U.S.C. 1693q), § 205.12 of Regulation E (12 CFR part 205); , (3) Section 705(f) of the Equal Credit Opportunity Act (15 U.S.C. 1691d(f) and § 202.11 of Regulation B (12 CFR part 202);, (4) Section 306(a) of the Home Mortgage Disclosure Act (12 U.S.C. 2805(a)) and § 203.3 of Regulation C (12 CFR part 203); and, (5) Section 273 of the Truth in Savings Act (12 U.S.C. 4312) and § 230.1 of Regulation DD (12 CFR part 230)., (d) Interpreting the Fair Credit Reporting Act. To issue interpretations pursuant to section 621(e) of the Fair Credit Reporting Act (15 U.S.C. 1681s(e));, (e) Annual adjustments. To adjust as required by law:, (1) The amount specified in section 103(aa)(1)(B)(ii) of the Truth in Lending Act and § 226.32(a)(1)(ii) of Regulation Z (12 CFR part 226), relating to mortgages bearing fees above a certain amount in accord with section 103(aa)(3) of that act (15 U.S.C. 1602(aa)); and, (2) The amount specified in section 309(b)(1) of the Home Mortgage Disclosure Act (12 U.S.C. 2808(b)(1)) and § 203.3(a)(1)(ii) of Regulation C (12 CFR part 203) relating to the asset threshold above which a depository institution must collect and report data., (f) Community Reinvestment Act determinations. To make determinations, pursuant to section 804 of the Community Reinvestment Act (12 U.S.C. 2903), approving or disapproving:, (1) Strategic plans and any amendments thereto pursuant to § 228.27(g) and (h) of Regulation BB (12 CFR part 228); and, (2) Requests for designation as a wholesale or limited purpose bank or the revocation of such designation, pursuant to § 228.25(b) of Regulation BB (12 CFR part 228)., (g) Public hearings. To conduct hearings or other proceedings required by law, concerning consumer law or other matters within the responsibilities of the Division of Consumer and Community Affairs, in consultation with other interested divisions of the Board where appropriate.", "label": "ConsumerProtection"}
+{"text": "(a) Request for oral hearing. The petitioner may request to appear before the Board to make an oral presentation in support of the appeal. The request must be submitted with the initial appeal documents and should be in the form of a separate written document titled “Request for Oral Hearing.” The request must show good cause for an oral presentation and state reasons why the appeal cannot be presented adequately in writing., (b) Action on the request. The Board shall determine whether to grant the request for oral hearing and shall direct the Special Counsel to serve notice of the Board's determination in writing to the petitioner. A request for oral hearing shall be granted with the approval of any Board member. The determination by a Board member approving an oral hearing must be taken within 20 days of the Board Secretary's receipt of the appeal., (c) Effect of denial. In the event no Board member approves of holding an oral hearing, the request for an oral hearing is deemed to be denied, and the appeal shall be reviewed and determined by the Board on the basis of the written record., (d) Procedures for oral hearing. The following procedures shall govern the conduct of any oral hearing:, (1) Scheduling of oral hearing; location. The Special Counsel shall notify the petitioner and the program office of the date and time for the oral hearing, making sure to provide reasonable lead time and schedule accommodations. The oral hearing will be held at NCUA headquarters in Alexandria, Virginia; provided, however, that on his or her own initiative or at the request of the petitioner, the Chairman may in his or her sole discretion allow for a hearing to be conducted via teleconference or video conference facilities., (2) Appearances; representation. The petitioner and the NCUA program office shall submit a notice of appearance identifying the individual(s) who will be representing them at the oral presentation. The petitioner shall designate not more than two officers, employees, or other representatives (including counsel), unless otherwise authorized by the Chairman. The NCUA program office shall designate not more than two individuals (one of whom may be a litigation and enforcement attorney from NCUA's Office of General Counsel), unless otherwise authorized by the Chairman., (3) Conduct of oral hearing. The oral hearing shall consist entirely of oral presentations. The introduction of written evidence or witness testimony at the hearing shall not be permitted. The petitioner shall present first, followed by the NCUA program office. Each side shall be allotted a specified and equal amount of time for its presentation, of which a portion may be reserved for purposes of rebuttal. This time limit shall be set by the Board and will be based on the complexity of the appeal. Members of the Board may ask questions of any individual appearing before the Board., (4) Transcript. The oral hearing shall be on the record and transcribed by a stenographer, who will prepare a transcript of the proceedings. The stenographer will make the transcript available to the petitioner upon payment of the cost thereof., (e) Confidentiality. An oral hearing as provided for herein constitutes a meeting of the Board within the meaning of the Government in the Sunshine Act (5 U.S.C. 552b). The NCUA Chairman shall preside over the conduct of the oral hearing. The meeting will be closed to the public to the extent that one or more of the exemptions from public meetings apply as certified by NCUA's Office of General Counsel. The Board shall maintain the confidentiality of any information or materials submitted or otherwise obtained in the course of the procedures outlined herein, subject to applicable law and regulations., (f) Conclusion of the oral hearing. The Board shall take the oral presentations under advisement. The Board shall render its decision on the appeal in accordance with § 746.206.", "label": "ReportingAndCompliance"}
+{"text": "(a) Notice of intent to issue directive. If a state member bank or bank holding company is operating with less than the minimum level of capital established in the Board's Capital Adequacy Guidelines, or as otherwise established under the procedures described in § 263.85, or if the Board has determined that the current capital level of a savings and loan holding company is not adequate, the Board may issue and serve upon such state member bank, bank holding company, or savings and loan holding company written notice of the Board's intent to issue a directive to require the bank, bank holding company, or savings and loan holding company to achieve and maintain adequate capital within a specified time period., (b) Contents of notice. The notice of intent to issue a directive shall include:, (1) The required minimum level of capital to be achieved or maintained by the institution;, (2) Its current level of capital;, (3) The proposed increase in capital needed to meet the minimum requirements;, (4) The proposed date or schedule for meeting these minimum requirements;, (5) When deemed appropriate, specific details of a proposed plan for meeting the minimum capital requirements; and, (6) The date for a written response by the bank or bank holding company to the proposed directive, which shall be at least 14 days from the date of issuance of the notice unless the Board determines a shorter period is necessary because of the financial condition of the bank or bank holding company., (c) Response to notice. The bank or bank holding company may file a written response to the notice within the time period set by the Board. The response may include: , (1) An explanation why a directive should not be issued; , (2) Any proposed modification of the terms of the directive; , (3) Any relevant information, mitigating circumstances, documentation or other evidence in support of the institution's position regarding the proposed directive; and, (4) The institution's plan for attaining the required level of capital., (d) Failure to file response. Failure by the bank or bank holding company to file a written response to the notice of intent to issue a directive within the specified time period shall constitute a waiver of the opportunity to respond and shall constitute consent to the issuance of such directive., (e) Board consideration of response. After considering the response of the bank or bank holding company, the Board may:, (1) Issue the directive as originally proposed or in modified form;, (2) Determine not to issue a directive and so notify the bank or bank holding company; or, (3) Seek additional information or clarification of the response by the bank or bank holding company., (f) Contents of directive. Any directive issued by the Board may order the bank or bank holding company to:, (1) Achieve or maintain the minimum capital requirement established pursuant to the Board's Capital Adequacy Guidelines or the procedures in § 263.85 of this subpart by a certain date;, (2) Adhere to a previously submitted plan or submit for approval and adhere to a plan for achieving the minimum capital requirement by a certain date;, (3) Take other specific action as the Board directs to achieve the minimum capital levels, including requiring a reduction of assets or asset growth or restriction on the payment of dividends; or, (4) Take any combination of the above actions., (g) Request for reconsideration of directive. Any state member bank or bank holding company, upon a change in circumstances, may request the Board to reconsider the terms of a directive and may propose changes in the plan under which it is operating to meet the required minimum capital level. The directive and plan continue in effect while such request is pending before the Board.", "label": "CapitalRequirements"}
+{"text": "(a) Authorized UBE business activity. All UBE business activity must be:, (1) Necessary or expedient to the business of one or more System institutions owning the UBE; and, (2) In no instance greater than the functions and services that one or more System institutions owning the UBE are authorized to perform under the Act and as determined by the FCA., (b) Circumvention of cooperative principles. System institutions are prohibited from using UBEs to engage in direct lending activities or any other activity that would circumvent the application of cooperative principles, including borrower rights as described in section 4.14A of the Act, or stock ownership, voting rights or patronage as described in section 4.3A of the Act., (c) Transparency and the avoidance of conflicts of interest. Each System institution must ensure that:, (1) The UBE is held out to the public as a separate or subsidiary entity;, (2) The business transactions, accounts, and records of the UBE are not commingled with those of the System institution; and, (3) All transactions between the UBE and System institution directors, officers, employees, and agents are conducted at arm's length, in the interest of the System institution, and in compliance with standards of conduct rules in §§ 612.2130 through 612.2270., (d) Limit on one-member UBEs. A UBE owned solely by a single System institution (including between and among a parent agricultural credit association and its production credit association and Federal land credit association subsidiaries and between a parent agricultural credit bank and its subsidiary Farm Credit Bank) as a one-member UBE is limited to the following special purposes:, (1) Acquiring and managing the unusual or complex collateral associated with loans; and, (2) Providing limited services such as electronic transaction, fixed asset, trustee or other services that are integral to the daily internal operations of a System institution., (e) Limit on UBE partnerships. A System institution operating through a parent-subsidiary structure may not create a UBE partnership between or among the parent agricultural credit association and its production credit association and Federal land credit association subsidiaries or between a parent Agricultural Credit Bank and its Farm Credit Bank subsidiary., (f) Prohibition on UBE subsidiaries. Except as provided in this paragraph, a System institution may not create a subsidiary of a UBE that it has organized or invested in under this subpart or enable the UBE itself to create a subsidiary or any other type of affiliated entity. A System institution may establish a UBE as a subsidiary of a UBE formed pursuant to paragraph (d)(1) of this section to hold each investor's pro-rata interest in acquired property provided that the loan collateral at issue involves a multi-lender transaction that includes System and non-System lenders., (g) Limit on potential liability. (1) Each System institution's equity investment in a UBE must be established in a manner that will limit potential exposure of the System institution to no more than the amount of its investment in the UBE., (2) A System institution cannot become a general partner of any partnership other than an LLLP., (h) Limit on amount of equity investment in UBEs. The aggregate amount of equity investments that a single System institution is authorized to hold in UBEs must not exceed one percent of the institution's total outstanding loans, calculated at the time of each investment. On a case-by-case basis, FCA may approve an exception to this limitation that would exceed the one-percent aggregate limit. Conversely, FCA may impose a percentage limit lower than the one-percent aggregate limit based on safety or soundness and other relevant concerns. This one-percent aggregate limit does not apply to equity investments in one-member UBEs formed for acquired property as permitted in paragraph (d)(1) of this section. Any equity investment made in a UBE by a service corporation must be attributed to its System institution owners based on the ownership percentage of each bank or association., (i) Prohibition on relationship with a third-party UBE. A System institution is prohibited from:, (1) Making any equity investment in a third-party UBE except as may be authorized on a case-by-case basis under § 615.5140(e) of this chapter for de minimis and passive investments. Such requests would be considered outside of this rule., (2) Serving as the general partner or manager of a third-party UBE; or, (3) Being designated as the primary beneficiary of a third-party UBE, either alone or with other System institutions., (j) Limitation on non-System equity investments. Non-System persons or entities may not invest in a UBE that is controlled by a System institution except that non-System persons or entities may own 20 percent or less of the equity of a System-controlled UBE organized to deliver services integral to the daily internal operations of a System institution., (k) UBEs formed for acquiring and managing collateral. The provisions of paragraphs (i) and (j) of this section do not apply to UBEs formed for the purpose of acquiring and managing unusual or complex collateral associated with multiple-lender loan transactions in which non-System persons or entities are participants.", "label": "CorporateGovernance"}
+{"text": "Adjusted trading or short sales. A Federal credit union may not engage in adjusted trading or short sales. ", "label": "RiskManagement"}
+{"text": "Except as provided in this part or as otherwise authorized, no officer, employee, or agent of the Board or any Reserve Bank shall disclose or permit the disclosure of any exempt information of the Committee to any person other than Board or Reserve Bank officers, employees, or agents properly entitled to such information in the performance of duties for, or pursuant to the direction of, the Committee.", "label": "ReportingAndCompliance"}
+{"text": "(a) A program entry is characterized by a suspension or eventual dismissal or reversal of charges or criminal prosecution upon agreement, whether formal or informal, by the accused to treatment, rehabilitation, restitution, or other non-criminal or non-punitive alternatives. Whether the outcome of a case constitutes a program entry is determined by relevant Federal, State, or local law, and, if not so designated under applicable law, then the determination of whether a disposition is a program entry will be made by the FDIC on a case-by-case basis. Program entries prior to November 29, 1990, are not covered by section 19., (b) When a covered offense either is reduced by a program entry to an offense that would otherwise not be covered by section 19 or is dismissed upon successful completion of a program entry, the covered offense remains a covered offense for purposes of section 19. The covered offense will require an application unless it is de minimis as provided by § 303.227 of this subpart., (c) Expungements or sealings of program entries will be treated the same as those for convictions.", "label": "ReportingAndCompliance"}
+{"text": "The Director may grant an employee permission to testify regarding agency matters, and to produce records and information, in response to a demand or request. Among the relevant factors that the Director may consider in making this determination are whether:, (a) This part's purposes are met;, (b) FHFA has an interest in the decision that may be rendered in the legal proceeding;, (c) Approving the demand or request would assist or hinder FHFA in performing statutory duties or use FHFA resources;, (d) Production might assist or hinder employees in doing their work;, (e) The records, information, or testimony can be obtained from other sources. (Concerning testimony, “other sources” means a non-agency employee, or an agency employee other than the employee named)., (f) The demand or request is unduly burdensome or otherwise inappropriate under the rules of discovery or procedure governing the case or matter in which the demand or request arose;, (g) Production of the records, information, or testimony might violate or be inconsistent with a statute, Executive Order, regulation, or other legal authority;, (h) Production of the records, information, or testimony might reveal confidential or privileged information, trade secrets, or confidential commercial or financial information;, (i) Production of the records, information, or testimony might impede or interfere with an ongoing law enforcement investigation or proceedings, or compromise constitutional rights;, (j) Production of the records, information, or testimony might result in FHFA appearing to favor one litigant over another;, (k) The demand or request pertains to documents that were produced by another agency;, (l) The demand or request complies with all other applicable rules;, (m) The demand or request is sufficiently specific to be answered;, (n) The relevance of the records, information, or testimony to the purposes for which they are sought, and for which they may be used for substantive evidence;, (o) Production of the records, information, or employee testimony may implicate a substantial government interest; and, (p) Any other good cause.", "label": "ReportingAndCompliance"}
+{"text": "(a) Records. The General Counsel may impose conditions or restrictions on the release of nonpublic records, including a requirement that you obtain a protective order or execute a confidentiality agreement with the other parties in the legal proceeding that limits access to and any further disclosure of the nonpublic records. The terms of a confidentiality agreement or protective order must be acceptable to the General Counsel. In cases where protective orders or confidentiality agreements have already been executed, the NCUA may condition the release of nonpublic records on an amendment to the existing protective order or confidentiality agreement. , (b) Testimony. The General Counsel may impose conditions or restrictions on the testimony of NCUA employees, including, for example, limiting the areas of testimony or requiring you and the other parties to the legal proceeding to agree that the transcript of the testimony will be kept under seal or will only be used or made available in the particular legal proceeding for which you requested the testimony. The General Counsel may also require you to provide a copy of the transcript of the testimony to the NCUA at your expense. ", "label": "ReportingAndCompliance"}
+{"text": "If you are not satisfied with NCUA's response to your request, you can seek dispute resolution services from the FOIA Public Liaison and the Office of Government Information Services, and you can file an administrative appeal. Your appeal must be in writing and must be filed within 90 days from receipt of the initial determination (in cases of denials of the entire request or denials of a fee waiver or reduction), or from receipt of any records being made available pursuant to the initial determination (in cases of partial denials). In the response to your initial request, the Freedom of Information Act Officer or the Inspector General (or designee), will notify you that you may appeal any adverse determination to the Office of General Counsel. The General Counsel, or designee, as set forth in this paragraph, will:, (a) Make a determination with respect to any appeal within 20 working days after the receipt of such appeal. If, on appeal, the denial of the request for records is, in whole or in part, upheld, the Office of General Counsel will notify you of the provisions for judicial review of that determination under FOIA. Where you do not address your appeal to the General Counsel, the time limitations stated above will be computed from the date of receipt of the appeal by the General Counsel., (b) The General Counsel is the official responsible for determining all appeals from initial determinations. In case of this person's absence, the appropriate officer acting in the General Counsel's stead will make the appellate determination, unless such officer was responsible for the initial determination, in which case the Vice-Chairman of the NCUA Board will make the appellate determination., (c) All appeals should be addressed to the General Counsel in the Central Office and should be clearly identified as such on the envelope and in the letter of appeal by using the indicator “FOIA-APPEAL.” Failure to address an appeal properly may delay commencement of the time limitation stated in paragraph (a)(1) of this section, to take account of the time reasonably required to forward the appeal to the Office of General Counsel.", "label": "ReportingAndCompliance"}
+{"text": "(a) Scope. Any critically undercapitalized insured depository institution shall submit an application to pay principal or interest on subordinated debt. , (b) Content of filing. Applications shall describe the proposed payment and provide an explanation of action taken under section 38(h)(3)(A)(ii) of the FDI Act (action other than receivership or conservatorship). The application also shall explain how such payments would further the purposes of section 38 of the FDI Act (12 U.S.C. 1831o). Existing approvals pursuant to requests filed under section 18(i)(1) of the FDI Act (12 U.S.C. 1828(i)(1)) (capital stock reductions or retirements) shall not be deemed to be the permission needed pursuant to section 38.", "label": "CapitalRequirements"}
+{"text": "The rules and procedures set forth in this subpart apply to State member banks that are subject to the provisions of section 39 of the Federal Deposit Insurance Act (section 39) (12 U.S.C. 1831p-1).", "label": "RiskManagement"}
+{"text": "(a) Capital distributions in general. An Enterprise shall make no capital distribution that would decrease the total capital of the Enterprise to an amount less than the risk-based capital level or the core capital of the Enterprise to an amount less than the minimum capital level without the prior written approval of OFHEO., (b) Capital distributions by an Enterprise that is not adequately capitalized - (1) Prohibited distributions. An Enterprise that is not classified as adequately capitalized shall make no capital distribution that would result in the Enterprise being classified into a lower capital classification than the one to which it is classified at the time of such distribution., (2) Restricted distributions. An Enterprise classified as significantly or critically undercapitalized shall make no capital distribution without the prior written approval of OFHEO. OFHEO may grant a request for such a capital distribution only if OFHEO determines, in its discretion, that the distribution:, (i) Will enhance the ability of the Enterprise to meet the risk-based capital level and the minimum capital level promptly;, (ii) Will contribute to the long-term financial safety and soundness of the Enterprise; or, (iii) Is otherwise in the public interest.", "label": "CapitalRequirements"}
+{"text": "(a) In accordance with policies prescribed by the board of directors of the Farm Credit Bank or agricultural credit bank and each production credit association and agricultural credit association (hereinafter association(s)), such association(s) may invest in notes, conditional sales contracts, and other similar obligations given to cooperatives and private dealers by farmers and ranchers eligible to borrow from such associations., (b) Such notes and other obligations evidencing purchases of farm machinery, supplies, equipment, home appliances, and other items of a capital nature handled by cooperatives and private dealers will be eligible for purchase as investments. , (c) The total amount which an association may invest in such obligations at any one time shall not exceed 15 percent of the balance of its loans outstanding at the close of the association's preceding fiscal year. In addition, the total amount which an association may invest in such obligations that are originated by any one cooperative or private dealer, at any one time, shall not exceed 50 percent of association capital and surplus., (d) All notes in which an association invests shall be endorsed with full recourse against the cooperative or dealer. The association shall contact each notemaker who meets the association's credit standards to encourage him to become a borrower. ", "label": "CapitalRequirements"}
+{"text": "Under the authority of section 206(b) of the Act (12 U.S.C. 1786(b)), the NCUA Board may terminate the insured status of an insured credit union upon the grounds set forth therein and enumerated in § 747.202. The procedure for terminating the insured status of an insured credit union as therein prescribed will be followed and hearings required thereunder will be conducted in accordance with the rules and procedures set forth in this subpart and subpart A of this part. To the extent any rule or procedure of subpart A is inconsistent with a rule or procedure prescribed in this subpart C, subpart C shall control.", "label": "RiskManagement"}
+{"text": "(a) Any System institution, for the purpose of protecting the security position of the institution, may provide lists of borrowers to buyers, warehousemen, and others who deal in produce or livestock of the kind that secures such loans, except to the extent such actions are prohibited by State laws adopted in accordance with the Food Security Act of 1985, Pub. L. 99-198, 99 Stat. 1354. Lists of borrowers or stockholders shall not otherwise be released by any bank or association except in accordance with paragraph (b) of this section., (b)(1) Within 7 days after receipt of a written request by a stockholder, each Farm Credit bank or association must provide a current list of its stockholders' names, addresses, and classes of stock held to such requesting stockholder. As a condition to providing the list, the bank or association may only require that the stockholder agree and certify in writing that the stockholder will:, (i) Utilize the list exclusively for communicating with stockholders for permissible purposes; and, (ii) Not make the list available to any person, other than the stockholder's attorney or accountant, without first obtaining the written consent of the institution., (2) As an alternative to receiving a list of stockholders, a stockholder may request the institution mail or otherwise furnish to each stockholder a communication for a permissible purpose on behalf of the requesting stockholder. This alternative may be used at the discretion of the requesting stockholder, provided that the requester agrees to defray the reasonable costs of the communication. In the event the requester decides to exercise this option, the institution must provide the requester with a written estimate of the costs of handling and mailing the communication as soon as practicable after receipt of the stockholder's request to furnish a communication. However, a stockholder may not exercise this option when requesting the list to distribute campaign material for election to the institution board or board committees. Farm Credit banks and associations are prohibited from distributing or mailing campaign material under § 611.320(e) of this chapter., (3) For purposes of paragraph (b) of this section “permissible purpose” is defined to mean matters relating to the business operations of the institutions. This includes matters relating to the effectiveness of management, the use of institution assets, the distribution by stockholder candidates of campaign material for election to the institution board or board committees, and the performance of directors and officers. This does not include communications involving commercial, social, political, or charitable causes, communications relating to the enforcement of a personal claim or the redress of a personal grievance, or proposals advocating that the bank or association violate any Federal, State, or local law or regulation., (c) In connection with preparing and submitting an electronic report of all System accounts and exposures to the Farm Credit Administration in accordance with the requirements of § 621.15 of this chapter, each bank and association may provide information from its lists of borrowers and stockholders to the Reporting Entity as defined in § 621.2 of this chapter.", "label": "ReportingAndCompliance"}
+{"text": "The following restrictions on extensions of credit by a member bank to any of its executive officers apply in addition to any restrictions on extensions of credit by a member bank to insiders of itself or its affiliates set forth elsewhere in this part. The restrictions of this section apply only to executive officers of the member bank and not to executive officers of its affiliates. , (a) No member bank may extend credit to any of its executive officers, and no executive officer of a member bank shall borrow from or otherwise become indebted to the bank, except in the amounts, for the purposes, and upon the conditions specified in paragraphs (c) and (d) of this section. , (b) No member bank may extend credit in an aggregate amount greater than the amount permitted in paragraph (c)(4) of this section to a partnership in which one or more of the bank's executive officers are partners and, either individually or together, hold a majority interest. For the purposes of paragraph (c)(4) of this section, the total amount of credit extended by a member bank to such partnership is considered to be extended to each executive officer of the member bank who is a member of the partnership. , (c) A member bank is authorized to extend credit to any executive officer of the bank: , (1) In any amount to finance the education of the executive officer's children; , (2) In any amount to finance or refinance the purchase, construction, maintenance, or improvement of a residence of the executive officer, provided:, (i) The extension of credit is secured by a first lien on the residence and the residence is owned (or expected to be owned after the extension of credit) by the executive officer; and , (ii) In the case of a refinancing, that only the amount thereof used to repay the original extension of credit, together with the closing costs of the refinancing, and any additional amount thereof used for any of the purposes enumerated in this paragraph (c)(2), are included within this category of credit; , (3) In any amount, if the extension of credit is secured in a manner described in § 215.4(d)(3)(i)(A) through (d)(3)(i)(C) of this part; and , (4) For any other purpose not specified in paragraphs (c)(1) through (c)(3) of this section, if the aggregate amount of extensions of credit to that executive officer under this paragraph does not exceed at any one time the higher of 2.5 per cent of the bank's unimpaired capital and unimpaired surplus or $25,000, but in no event more than $100,000. , (d) Any extension of credit by a member bank to any of its executive officers shall be: , (1) Promptly reported to the member bank's board of directors; , (2) In compliance with the requirements of § 215.4(a) of this part; , (3) Preceded by the submission of a detailed current financial statement of the executive officer; and , (4) Made subject to the condition in writing that the extension of credit will, at the option of the member bank, become due and payable at any time that the officer is indebted to any other bank or banks in an aggregate amount greater than the amount specified for a category of credit in paragraph (c) of this section. ", "label": "RiskManagement"}
+{"text": "(a) In general - (1) Applicability. Except as provided in paragraphs (a)(2) or (c) of this section, a credit union, or a servicer acting on behalf of the credit union, shall require the escrow of all premiums and fees for any flood insurance required under § 760.3(a) for any designated loan secured by residential improved real estate or a mobile home that is made, increased, extended, or renewed on or after January 1, 2016, payable with the same frequency as payments on the designated loan are required to be made for the duration of the loan., (2) Exceptions. Paragraph (a)(1) of this section does not apply if:, (i) The loan is an extension of credit primarily for business, commercial, or agricultural purposes;, (ii) The loan is in a subordinate position to a senior lien secured by the same residential improved real estate or mobile home for which the borrower has obtained flood insurance coverage that meets the requirements of § 760.3(a);, (iii) Flood insurance coverage for the residential improved real estate or mobile home is provided by a policy that:, (A) Meets the requirements of § 760.3(a);, (B) Is provided by a condominium association, cooperative, homeowners association, or other applicable group; and, (C) The premium for which is paid by the condominium association, cooperative, homeowners association, or other applicable group as a common expense;, (iv) The loan is a home equity line of credit;, (v) The loan is a nonperforming loan, which is a loan that is 90 or more days past due and remains nonperforming until it is permanently modified or until the entire amount past due, including principal, accrued interest, and penalty interest incurred as the result of past due status, is collected or otherwise discharged in full; or, (vi) The loan has a term of not longer than 12 months., (3) Duration of exception. If a credit union, or a servicer acting on behalf of the credit union, determines at any time during the term of a designated loan secured by residential improved real estate or a mobile home that is made, increased, extended, or renewed on or after January 1, 2016, that an exception under paragraph (a)(2) of this section does not apply, then the credit union or its servicer shall require the escrow of all premiums and fees for any flood insurance required under § 760.3(a) as soon as reasonably practicable and, if applicable, shall provide any disclosure required under section 10 of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2609) (RESPA)., (4) Escrow account. The credit union, or a servicer acting on behalf of the credit union, shall deposit the flood insurance premiums and fees on behalf of the borrower in an escrow account. This escrow account will be subject to escrow requirements adopted pursuant to section 10 of RESPA, which generally limits the amount that may be maintained in escrow accounts for certain types of loans and requires escrow account statements for those accounts, only if the loan is otherwise subject to RESPA. Following receipt of a notice from the Administrator of FEMA or other provider of flood insurance that premiums are due, the credit union, or a servicer acting on behalf of the credit union, shall pay the amount owed to the insurance provider from the escrow account by the date when such premiums are due., (b) Notice. For any loan for which a credit union is required to escrow under paragraph (a) or paragraph (c)(2) of this section or may be required to escrow under paragraph (a)(3) of this section during the term of the loan, the credit union, or a servicer acting on behalf of the credit union, shall mail or deliver a written notice with the notice provided under § 760.9 informing the borrower that the credit union is required to escrow all premiums and fees for required flood insurance, using language that is substantially similar to model clauses on the escrow requirement in appendix A., (c) Small lender exception - (1) Qualification. Except as may be required under applicable State law, paragraphs (a), (b) and (d) of this section do not apply to a credit union:, (i) That has total assets of less than $1 billion as of December 31 of either of the two prior calendar years; and, (ii) On or before July 6, 2012:, (A) Was not required under Federal or State law to deposit taxes, insurance premiums, fees, or any other charges in an escrow account for the entire term of any loan secured by residential improved real estate or a mobile home; and, (B) Did not have a policy of consistently and uniformly requiring the deposit of taxes, insurance premiums, fees, or any other charges in an escrow account for any loans secured by residential improved real estate or a mobile home., (2) Change in status. If a credit union previously qualified for the exception in paragraph (c)(1) of this section, but no longer qualifies for the exception because it had assets of $1 billion or more for two consecutive calendar year ends, the credit union must escrow premiums and fees for flood insurance pursuant to paragraph (a) of this section for any designated loan made, increased, extended, or renewed on or after July 1 of the first calendar year of changed status., (d) Option to escrow - (1) In general. A credit union, or a servicer acting on behalf of the credit union, shall offer and make available to the borrower the option to escrow all premiums and fees for any flood insurance required under § 760.3 for any loan secured by residential improved real estate or a mobile home that is outstanding on January 1, 2016, or July 1 of the first calendar year in which the credit union has had a change in status pursuant to paragraph (c)(2) of this section, unless:, (i) The credit union or the loan qualifies for an exception from the escrow requirement under paragraphs (a)(2) or (c) of this section, respectively;, (ii) The borrower is already escrowing all premiums and fees for flood insurance for the loan; or, (iii) The credit union is required to escrow flood insurance premiums and fees pursuant to paragraph (a) of this section., (2) Notice. For any loan subject to paragraph (d) of this section, the credit union, or a servicer acting on behalf of the credit union, shall mail or deliver to the borrower no later than June 30, 2016, or September 30 of the first calendar year in which the credit union has had a change in status pursuant to paragraph (c)(2) of this section, a notice in writing, or if the borrower agrees, electronically, informing the borrower of the option to escrow all premiums and fees for any required flood insurance and the method(s) by which the borrower may request the escrow, using language similar to the model clause in appendix B to this part., (3) Timing. The credit union or servicer must begin escrowing premiums and fees for flood insurance as soon as reasonably practicable after the credit union or servicer receives the borrower's request to escrow.", "label": "ConsumerProtection"}
+{"text": "(a) Notice of Funding Opportunity. NCUA will publish a Notice of Funding Opportunity in the Federal Register and on its Web site. The Notice of Funding Opportunity will describe the loan and technical assistance grant programs for the period in which funds are available. It also will announce special initiatives, the amount of funds available, funding priorities, permissible uses of funds, funding limits, deadlines, and other pertinent details. The Notice of Funding Opportunity will also advise potential applicants on how to obtain an Application and related materials. NCUA may supplement the information contained in the Notice of Funding Opportunity through such other media as it determines appropriate, including Letters to Credit Unions, press releases, direct notices to Qualifying Credit Unions, and announcements on its Web site., (b) Application requirements. A Qualifying Credit Union must demonstrate a sound financial position and ability to manage its day-to-day business affairs. It also must show that its planned use of proceeds is consistent with the purpose of the Program, the requirements of this part, and the related Notice of Funding Opportunity. The related Notice of Funding Opportunity may include additional details and requirements., (1) Applications to participate and qualify for a loan or technical assistance grant under the Program may be obtained from the National Credit Union Administration as outlined in the related Notice of Funding Opportunity., (2) With respect to loans, NCUA will also require a Qualifying Credit Union to develop and submit a narrative describing how the Qualifying Credit Union intends to use the money obtained from the Fund to enhance the products or services it provides to its membership and how those enhanced products or services support the membership and community served by the Qualifying Credit Union., (3) In addition to those items required in this section, a Qualifying Credit Union that is a non-federally insured credit union must also include the following:, (i) A copy of its most recent external audit report;, (ii) Proof of deposit and surety bond insurance which states the maximum insurance levels permitted by the policies;, (iii) A balance sheet, an income and expense statement, and a schedule of delinquent loans, for each of the four most recent quarter-ends;, (iv) Documentation of the credit union's status as a low-income credit union by the appropriate state supervisory agency consistent with NCUA Rules and Regulations at §§ 701.34(a) and 741.204(b); and, (v) An agreement to be subject to examination by NCUA., (c) Evaluation and selection of Qualifying Credit Unions. NCUA will generally evaluate applications submitted by Qualifying Credit Unions in accordance with the criteria described in this section. Nothing in this section, however, precludes NCUA from considering other criteria included in the related Notice of Funding Opportunity that NCUA determines to be necessary based on the type of funding initiative, economic environment, or other factors or conditions that warrant the evaluation of additional or alternative criteria. Generally, NCUA will evaluate complete applications to determine if the Qualifying Credit Union satisfies the following:, (1) Financial and Performance. The Qualifying Credit Union must exhibit a safe and sound financial condition, including a demonstrated ability to perform the requirements associated with the type of award being sought and compliance with NCUA's underwriting standards. In this respect, NCUA will consider the Qualifying Credit Union's long-term financial viability, including absence of indicators suggesting the Qualifying Credit Union is a candidate for merger, a purchase and assumption transaction, or conservatorship. NCUA will also consider the Qualifying Credit Union's compliance with the provisions of any previous loan or technical assistance grant received. NCUA may also consider information concerning the Qualifying Credit Union to which it already has access, including information obtained through the examination process and data contained in Call Reports., (2) Compatibility. NCUA will evaluate whether the stated objectives to be accomplished through the use of the loan or technical assistance grant proceeds conform to the broad purposes and rationale underlying the Fund. Specifically, NCUA will consider whether the award will enable the Qualifying Credit Union to provide basic financial products and related services to its members or enhance its capacity to better serve its members and the community in which it operates. NCUA will also consider whether the use of the financial award will conform to any applicable funding priority, special initiative, or special instruction announced in the related Notice of Funding Opportunity., (3) Feasibility. NCUA will consider the likelihood of the Qualifying Credit Union's success in accomplishing its stated objectives, based on its Application and the factors NCUA determines are relevant., (4) Examination Information and Applicable Concurrence. In evaluating a Qualifying Credit Union, NCUA will consider all information provided by NCUA staff or state supervisory authority staff that performed the Qualifying Credit Union's most recent examination. In addition:, (i) NCUA will only provide a loan to a qualifying federal credit union with the concurrence of that credit union's supervising Regional Director; and, (ii) NCUA will only provide a loan to a qualifying state-charted credit union with the written concurrence of the applicable Regional Director and the credit union's state supervisory authority. A qualifying state-chartered credit union should notify its state supervisory authority that it is applying for a loan from the Fund before submitting its application to NCUA. However, a qualifying state-chartered credit union is not required to obtain concurrence before applying for a loan. NCUA will obtain the concurrence directly from the state supervisory authority rather than through the qualifying state-chartered credit union. Additionally, before NCUA will provide a loan to a qualifying state-charted credit union the credit union must make copies of its state examination reports available to NCUA and agree to examination by NCUA., (d) Requests for additional information. NCUA will make its funding determinations among the several qualified Applications based on its discretion and consideration of which best meet the priorities and initiatives established and announced by NCUA. During its evaluation process, however, NCUA may request a Qualifying Credit Union to provide additional clarifying or technical information to support its application. NCUA may determine not to provide further consideration of any Application failing to provide additional required information., (e) Timing. NCUA will announce, in the related Notice of Funding Opportunity, the deadline for Qualifying Credit Unions to submit all required documentation, including the Application. Failure to submit all of the requested information or to submit the information within the timeframe specified in the Notice of Funding Opportunity, or in the case of requests for additional clarifying or technical information, within the time specified by NCUA, may result in rejection of the Application without further consideration., (f) Notice of Award. NCUA will determine whether an application meets NCUA's standards established by this part and the related Notice of Funding Opportunity. NCUA will provide written notice to a Qualifying Credit Union as to whether or not it has qualified for a loan or technical assistance grant under this part. A Qualifying Credit Union whose application has been denied for failure of a qualification may appeal that decision in accordance with § 705.10 of this part., (g) Disbursement - (1) Loans. Before NCUA will disburse a loan, the Participating Credit Union must sign the loan agreement, promissory note, and any other loan related documents. NCUA may, in its discretion, choose not to disburse the entire amount of the loan at once., (2) Technical Assistance Grants. NCUA will disburse technical assistance grants in such amounts, and in accordance with such terms and conditions, as NCUA may establish. In general, technical assistance grants are provided on a reimbursement basis, to cover expenditures approved in advance by NCUA and supported by receipts evidencing payment by the Participating Credit Union.", "label": "ReportingAndCompliance"}
+{"text": "(a) For purposes of calculating its liquidity coverage ratio and the components thereof under this subpart, a Board-regulated institution shall assume an asset or transaction matures:, (1) With respect to an instrument or transaction subject to § 249.32, on the earliest possible contractual maturity date or the earliest possible date the transaction could occur, taking into account any option that could accelerate the maturity date or the date of the transaction, except that when considering the earliest possible contractual maturity date or the earliest possible date the transaction could occur, the Board-regulated institution should exclude any contingent options that are triggered only by regulatory actions or changes in law or regulation, as follows:, (i) If an investor or funds provider has an option that would reduce the maturity, the Board-regulated institution must assume that the investor or funds provider will exercise the option at the earliest possible date;, (ii) If an investor or funds provider has an option that would extend the maturity, the Board-regulated institution must assume that the investor or funds provider will not exercise the option to extend the maturity;, (iii) If the Board-regulated institution has an option that would reduce the maturity of an obligation, the Board-regulated institution must assume that the Board-regulated institution will exercise the option at the earliest possible date, except if either of the following criteria are satisfied, in which case the maturity of the obligation for purposes of this part will be the original maturity date at issuance:, (A) The original maturity of the obligation is greater than one year and the option does not go into effect for a period of 180 days following the issuance of the instrument; or, (B) The counterparty is a sovereign entity, a U.S. government-sponsored enterprise, or a public sector entity., (iv) If the Board-regulated institution has an option that would extend the maturity of an obligation it issued, the Board-regulated institution must assume the Board-regulated institution will not exercise that option to extend the maturity; and, (v) If an option is subject to a contractually defined notice period, the Board-regulated institution must determine the earliest possible contractual maturity date regardless of the notice period., (2) With respect to an instrument or transaction subject to § 249.33, on the latest possible contractual maturity date or the latest possible date the transaction could occur, taking into account any option that could extend the maturity date or the date of the transaction, except that when considering the latest possible contractual maturity date or the latest possible date the transaction could occur, the Board-regulated institution may exclude any contingent options that are triggered only by regulatory actions or changes in law or regulation, as follows:, (i) If the borrower has an option that would extend the maturity, the Board-regulated institution must assume that the borrower will exercise the option to extend the maturity to the latest possible date;, (ii) If the borrower has an option that would reduce the maturity, the Board-regulated institution must assume that the borrower will not exercise the option to reduce the maturity;, (iii) If the Board-regulated institution has an option that would reduce the maturity of an instrument or transaction, the Board-regulated institution must assume the Board-regulated institution will not exercise the option to reduce the maturity;, (iv) If the Board-regulated institution has an option that would extend the maturity of an instrument or transaction, the Board-regulated institution must assume the Board-regulated institution will exercise the option to extend the maturity to the latest possible date; and, (v) If an option is subject to a contractually defined notice period, the Board-regulated institution must determine the latest possible contractual maturity date based on the borrower using the entire notice period., (3) With respect to a transaction subject to § 249.33(f)(1)(iii) through (vii) (secured lending transactions) or § 249.33(f)(2)(ii) through (x) (asset exchanges), to the extent the transaction is secured by collateral that has been pledged in connection with either a secured funding transaction or asset exchange that has a remaining maturity of 30 calendar days or less as of the calculation date, the maturity date is the later of the maturity date determined under paragraph (a)(2) of this section for the secured lending transaction or asset exchange or the maturity date determined under paragraph (a)(1) of this section for the secured funding transaction or asset exchange for which the collateral has been pledged., (4) With respect to a transaction that has an open maturity, is not an operational deposit, and is subject to the provisions of § 249.32(h)(2), (h)(5), (j), or (k) or § 249.33(d) or (f), the maturity date is the first calendar day after the calculation date. Any other transaction that has an open maturity and is subject to the provisions of § 249.32 shall be considered to mature within 30 calendar days of the calculation date., (5) With respect to a transaction subject to the provisions of § 249.33(g), on the date of the next scheduled calculation of the amount required under applicable legal requirements for the protection of customer assets with respect to each broker-dealer segregated account, in accordance with the Board-regulated institution's normal frequency of recalculating such requirements., (b) Reserved", "label": "RiskManagement"}
+{"text": "Banks for cooperatives and agricultural credit banks, under policies adopted by their boards of directors, may issue, advise, or confirm import or export letters of credit in accordance with the Uniform Commercial Code, or the Uniform Customs and Practice for Documentary Credits, to or on behalf of its customers. In addition, as a matter of sound banking practice, letters of credit shall be issued in conformity with the list which follows., (a) Each letter of credit shall be in writing and shall conspicuously state that it is a letter of credit, or be conspicuously entitled as such., (b) The letter of credit shall contain a specified expiration date or be for a definite term., (c) The letter of credit shall contain a sum certain., (d) The bank's obligation to pay should arise only upon fulfilling the terms and conditions as specified in the letter of credit. The bank must not be called upon to determine questions of fact or law at issue between the account party and the beneficiary., (e) The bank's customer should have an unqualified obligation to reimburse the bank for payments made under the letter of credit., (f) All letters of credit shall be irrevocable.", "label": "RiskManagement"}
+{"text": "(a) Each Federal Reserve Bank is hereby authorized as fiscal agent of the Funding Corporation to perform functions with respect to the issuance of Book-entry Funding Corporation Securities offered and sold by the Funding Corporation, in accordance with the Securities Documentation, and Federal Reserve Bank Operating Circulars; to service and maintain Book-entry Funding Corporation Securities in accounts established for such purposes; to make payments of principal and interest with respect to such Book-entry Funding Corporation Securities as directed by the Funding Corporation; to effect transfer of Book-entry Funding Corporation Securities between Participants' Securities Accounts as directed by the Participants; and to perform such other duties as fiscal agent as may be requested by the Funding Corporation. , (b) Each Federal Reserve Bank may issue Operating Circulars not inconsistent with this Part, governing the details of its handling of Book-entry Funding Corporation Securities, Security Entitlements, and the operation of the Book-Entry System under this Part. ", "label": "ReportingAndCompliance"}
+{"text": "(a) Scope. This part applies to each insured depository institution that qualifies as a “records entity” under the definition set forth in § 371.2(r)., (b) Purpose. This part establishes recordkeeping requirements with respect to qualified financial contracts for insured depository institutions that are in a troubled condition., (c) Compliance dates. (1) Within 3 business days of becoming a records entity, the records entity shall provide to the FDIC, in writing, the name and contact information for the person at the records entity who is responsible for recordkeeping under this part and, unless not required to maintain files in electronic form pursuant to § 371.4(d), a directory of the electronic files that will be used to maintain the information required to be kept by this part., (2) Except as provided in § 371.6:, (i) A records entity, other than an accelerated records entity, shall comply with all applicable recordkeeping requirements of this part within 270 days after it becomes a records entity., (ii) An accelerated records entity shall comply with all applicable recordkeeping requirements of this part within 60 days after it becomes a records entity., (iii) Notwithstanding paragraphs (c)(2)(i) and (ii) of this section, a records entity that becomes an accelerated records entity after it became a records entity shall comply with all applicable recordkeeping requirements of this part within 60 days after it becomes an accelerated records entity or its original 270 day compliance period, whichever time period is shorter., (d) Extensions of time to comply. The FDIC may, in its discretion, grant one or more extensions of time for compliance with the recordkeeping requirements of this part., (1) Except as provided in paragraph (d)(2) of this section, no single extension for a records entity shall be for a period of more than 120 days., (2) For a records entity that is an accelerated records entity at the time of a request for an extension, no single extension shall be for a period of more than 30 days., (3) A records entity may request an extension of time by submitting a written request to the FDIC at least 15 days prior to the deadline for its compliance with the recordkeeping requirements of this part. The written request for an extension must contain a statement of the reasons why the records entity cannot comply by the deadline for compliance, a project plan (including timeline) for achieving compliance, and a progress report describing the steps taken to achieve compliance.", "label": "ReportingAndCompliance"}
+{"text": "(a) Mandatory supervisory actions - (1) Provisions applicable to all FDIC-supervised institutions. All FDIC-supervised institutions are subject to the restrictions contained in section 38(d) of the FDI Act on payment of capital distributions and management fees., (2) Provisions applicable to undercapitalized, significantly undercapitalized, and critically undercapitalized FDIC-supervised institution. Immediately upon receiving notice or being deemed to have notice, as provided in § 324.402, that the FDIC-supervised institution is undercapitalized, significantly undercapitalized, or critically undercapitalized, it shall become subject to the provisions of section 38 of the FDI Act:, (i) Restricting payment of capital distributions and management fees (section 38(d) of the FDI Act);, (ii) Requiring that the FDIC monitor the condition of the FDIC-supervised institution (section 38(e)(1) of the FDI Act);, (iii) Requiring submission of a capital restoration plan within the schedule established in this subpart (section 38(e)(2) of the FDI Act);, (iv) Restricting the growth of the FDIC-supervised institution's assets (section 38(e)(3) of the FDI Act); and, (v) Requiring prior approval of certain expansion proposals (section 38(e)(4) of the FDI Act)., (3) Additional provisions applicable to significantly undercapitalized, and critically undercapitalized FDIC-supervised institutions. In addition to the provisions of section 38 of the FDI Act described in paragraph (a)(2) of this section, immediately upon receiving notice or being deemed to have notice, as provided in § 324.402, that the FDIC-supervised institution is significantly undercapitalized, or critically undercapitalized, or that the FDIC-supervised institution is subject to the provisions applicable to institutions that are significantly undercapitalized because the FDIC-supervised institution failed to submit or implement in any material respect an acceptable capital restoration plan, the FDIC-supervised institution shall become subject to the provisions of section 38 of the FDI Act that restrict compensation paid to senior executive officers of the institution (section 38(f)(4) of the FDI Act)., (4) Additional provisions applicable to critically undercapitalized institutions. (i) In addition to the provisions of section 38 of the FDI Act described in paragraphs (a)(2) and (a)(3) of this section, immediately upon receiving notice or being deemed to have notice, as provided in § 324.402, that the insured depository institution is critically undercapitalized, the institution is prohibited from doing any of the following without the FDIC's prior written approval:, (A) Entering into any material transaction other than in the usual course of business, including any investment, expansion, acquisition, sale of assets, or other similar action with respect to which the depository institution is required to provide notice to the appropriate Federal banking agency;, (B) Extending credit for any highly leveraged transaction;, (C) Amending the institution's charter or bylaws, except to the extent necessary to carry out any other requirement of any law, regulation, or order;, (D) Making any material change in accounting methods;, (E) Engaging in any covered transaction (as defined in section 23A(b) of the Federal Reserve Act (12 U.S.C. 371c(b)));, (F) Paying excessive compensation or bonuses;, (G) Paying interest on new or renewed liabilities at a rate that would increase the institution's weighted average cost of funds to a level significantly exceeding the prevailing rates of interest on insured deposits in the institution's normal market areas; and, (H) Making any principal or interest payment on subordinated debt beginning 60 days after becoming critically undercapitalized except that this restriction shall not apply, until July 15, 1996, with respect to any subordinated debt outstanding on July 15, 1991, and not extended or otherwise renegotiated after July 15, 1991., (ii) In addition, the FDIC may further restrict the activities of any critically undercapitalized institution to carry out the purposes of section 38 of the FDI Act., (iii) The FDIC-supervised institution must remain in compliance with the plan or is operating under a written agreement with the appropriate Federal banking agency., (b) Discretionary supervisory actions. In taking any action under section 38 of the FDI Act that is within the FDIC's discretion to take in connection with:, (1) An insured depository institution that is deemed to be undercapitalized, significantly undercapitalized, or critically undercapitalized, or has been reclassified as undercapitalized, or significantly undercapitalized; or, (2) An officer or director of such institution, the FDIC shall follow the procedures for issuing directives under §§ 308.201 and 308.203 of this chapter, unless otherwise provided in section 38 of the FDI Act or this subpart H.", "label": "CapitalRequirements"}
+{"text": "(a) Reclassification based on unsafe or unsound condition or practice - (1) Issuance of notice of proposed reclassification - (i) Grounds for reclassification. (A) Pursuant to § 324.403(d) of this chapter, the FDIC may reclassify a well-capitalized FDIC-supervised institution as adequately capitalized or subject an adequately capitalized or undercapitalized institution to the supervisory actions applicable to the next lower capital category if:, (1) The FDIC determines that the FDIC-supervised institution is in unsafe or unsound condition; or, (2) The FDIC, pursuant to section 8(b)(8) of the FDI Act (12 U.S.C. 1818(b)(8)), deems the FDIC-supervised institution to be engaged in an unsafe or unsound practice and not to have corrected the deficiency., (B) Any action pursuant to this paragraph (a)(1)(i) shall be referred to in this section as reclassification., (ii) Prior notice to institution. Prior to taking action pursuant to § 324.403(d) of this chapter, the FDIC shall issue and serve on the FDIC-supervised institution a written notice of the FDIC's intention to reclassify it., (2) Contents of notice. A notice of intention to reclassify an FDIC-supervised institution based on unsafe or unsound condition shall include:, (i) A statement of the FDIC-supervised institution's capital measures and capital levels and the category to which the FDIC-supervised institution would be reclassified;, (ii) The reasons for reclassification of the FDIC-supervised institution; and, (iii) The date by which the FDIC-supervised institution subject to the notice of reclassification may file with the FDIC a written appeal of the proposed reclassification and a request for a hearing, which shall be at least 14 calendar days from the date of service of the notice unless the FDIC determines that a shorter period is appropriate in light of the financial condition of the FDIC-supervised institution or other relevant circumstances., (3) Response to notice of proposed reclassification. An FDIC-supervised institution may file a written response to a notice of proposed reclassification within the time period set by the FDIC. The response should include:, (i) An explanation of why the FDIC-supervised institution is not in an unsafe or unsound condition or otherwise should not be reclassified; and, (ii) Any other relevant information, mitigating circumstances, documentation, or other evidence in support of the position of the FDIC-supervised institution regarding the reclassification., (4) Failure to file response. Failure by an FDIC-supervised institution to file, within the specified time period, a written response with the FDIC to a notice of proposed reclassification shall constitute a waiver of the opportunity to respond and shall constitute consent to the reclassification., (5) Request for hearing and presentation of oral testimony or witnesses. The response may include a request for an informal hearing before the FDIC under this section. If the FDIC-supervised institution desires to present oral testimony or witnesses at the hearing, the FDIC-supervised institution shall include a request to do so with the request for an informal hearing. A request to present oral testimony or witnesses shall specify the names of the witnesses and the general nature of their expected testimony. Failure to request a hearing shall constitute a waiver of any right to a hearing, and failure to request the opportunity to present oral testimony or witnesses shall constitute a waiver of any right to present oral testimony or witnesses., (6) Order for informal hearing. Upon receipt of a timely written request that includes a request for a hearing, the FDIC shall issue an order directing an informal hearing to commence no later than 30 days after receipt of the request, unless the FDIC allows further time at the request of the FDIC-supervised institution. The hearing shall be held in Washington, DC, or at such other place as may be designated by the FDIC before a presiding officer(s) designated by the FDIC to conduct the hearing., (7) Hearing procedures. (i) The FDIC-supervised institution shall have the right to introduce relevant written materials and to present oral argument at the hearing. The FDIC-supervised institution may introduce oral testimony and present witnesses only if expressly authorized by the FDIC or the presiding officer(s). Neither the provisions of the Administrative Procedure Act (5 U.S.C. 554-557) governing adjudications required by statute to be determined on the record nor the Uniform Rules of Practice and Procedure in this part apply to an informal hearing under this section unless the FDIC orders that such procedures shall apply., (ii) The informal hearing shall be recorded, and a transcript shall be furnished to the FDIC-supervised institution upon request and payment of the cost thereof. Witnesses need not be sworn, unless specifically requested by a party or the presiding officer(s). The presiding officer(s) may ask questions of any witness., (iii) The presiding officer(s) may order that the hearing be continued for a reasonable period (normally five business days) following completion of oral testimony or argument to allow additional written submissions to the hearing record., (8) Recommendation of presiding officers. Within 20 calendar days following the date the hearing and the record on the proceeding are closed, the presiding officer(s) shall make a recommendation to the FDIC on the reclassification., (9) Time for decision. Not later than 60 calendar days after the date the record is closed or the date of the response in a case where no hearing was requested, the FDIC will decide whether to reclassify the FDIC-supervised institution and notify the FDIC-supervised institution of the FDIC's decision., (b) Request for rescission of reclassification. Any FDIC-supervised institution that has been reclassified under this section, may, upon a change in circumstances, request in writing that the FDIC reconsider the reclassification and may propose that the reclassification be rescinded and that any directives issued in connection with the reclassification be modified, rescinded, or removed. Unless otherwise ordered by the FDIC, the FDIC-supervised institution shall remain subject to the reclassification and to any directives issued in connection with that reclassification while such request is pending before the FDIC.", "label": "ReportingAndCompliance"}
+{"text": "(a) General rule. In computing any period of time prescribed or allowed by this subpart, the date of the act or event from which the designated period of time begins to run is not to be included. The last day so computed shall be included, unless it is a Saturday, Sunday or Federal holiday, in which event the period shall run until the end of the next day which is not a Saturday, Sunday, or Federal holiday. When the period of time prescribed or allowed is 10 days or less, intermediate Saturdays, Sundays, and Federal holidays shall not be included in the computation., (b) Service by mail. Whenever any party has the right or is required to do some act within the period of time prescribed in this subpart after the service upon the party of any document or other paper of any kind, and such service is made by mail, three days shall be added to the prescribed period from the date when the matter served is deposited in the United States mail. ", "label": "ReportingAndCompliance"}
+{"text": "(a) This part interprets several of the provisions of Sections 107(7), 107(8), and 107(15) of the Federal Credit Union Act (Act), 12 U.S.C. 1757(7), 1757(8), 1757(15), which list those securities, deposits, and other obligations in which a Federal credit union may invest. Part 703 identifies certain investments and deposit activities permissible under the Act and prescribes regulations governing those investments and deposit activities on the basis of safety and soundness concerns. Additionally, part 703 identifies and prohibits certain investments and deposit activities. Investments and deposit activities that are permissible under the Act and not prohibited or otherwise regulated by part 703 remain permissible for Federal credit unions. , (b) This part does not apply to: , (1) Investment in loans to members and related activities, which is governed by §§ 701.21, 701.22, 701.23, and part 723 of this chapter; , (2) The purchase of real estate-secured loans pursuant to Section 107(15)(A) of the Act, which is governed by § 701.23 of this chapter, except those real estate-secured loans purchased as a part of an investment repurchase transaction, which is governed by §§ 703.13 and 703.14 of this chapter;, (3) Investment in credit union service organizations, which is governed by part 712 of this chapter; , (4) Investment in fixed assets, which is governed by § 701.36 of this chapter; , (5) Investment by corporate credit unions, which is governed by part 704 of this chapter. , (6) Investment activity by State-chartered credit unions, except as provided in §§ 741.3(a)(2) and 741.219 of this chapter; or, (7) Funding a Charitable Donation Account pursuant to § 721.3(b) of this chapter.", "label": "ReportingAndCompliance"}
+{"text": "(a) A foreign banking organization subject to this subpart with average total consolidated assets of $250 billion or more must report to the Board on an annual basis the results of an internal liquidity stress test for either the consolidated operations of the foreign banking organization or the combined U.S. operations of the foreign banking organization. Such liquidity stress test must be conducted consistent with the Basel Committee principles for liquidity risk management and must incorporate 30-day, 90-day, and one-year stress-test horizons. The “Basel Committee principles for liquidity risk management” means the document titled “Principles for Sound Liquidity Risk Management and Supervision” (September 2008) as published by the Basel Committee on Banking Supervision, as supplemented and revised from time to time., (b) A foreign banking organization that does not comply with paragraph (a) of this section must limit the net aggregate amount owed by the foreign banking organization's non-U.S. offices and its non-U.S. affiliates to the combined U.S. operations to 25 percent or less of the third party liabilities of its combined U.S. operations, on a daily basis.", "label": "ReportingAndCompliance"}
+{"text": "The rules formerly at 12 CFR part 761 have been republished by the Consumer Financial Protection Bureau at 12 CFR part 1007, “S.A.F.E. Mortgage Licensing Act - Federal Registration of Residential Mortgage Loan Originators (Regulation G)”.", "label": "ReportingAndCompliance"}
+{"text": "(a) Notice of submission to NCUA Board. When the NCUA Board determines that the record in the proceeding is complete, the NCUA Board shall serve notice upon the parties that the proceeding has been submitted to the NCUA Board for final decision. , (b) Oral argument before NCUA Board. Upon the initiative of the NCUA Board or on the written request of any party filed with the NCUA Board within the time for filing exceptions, the NCUA Board may order and hear oral argument on the recommended findings, conclusions, decision, and order of the administrative law judge. A written request by a party must show good cause for oral argument and state reasons why arguments cannot be presented adequately in writing. A denial of a request for oral argument may be set forth in the NCUA Board's final decision. Oral argument before the NCUA Board must be on the record. , (c) Final Decision of NCUA Board. (1) Decisional employees may advise and assist the NCUA Board in the consideration and disposition of the case. The final decision of the NCUA Board will be based upon review of the entire record of the proceeding, except that the NCUA Board may limit the issues to be reviewed to those findings and conclusions to which opposing arguments or exceptions have been filed by the parties. , (2) The NCUA Board shall render a final decision within 90 days after notification of the parties that the case has been submitted for final decision, or 90 days after oral argument, whichever is later, unless the NCUA Board orders that the action or any aspect thereof be remanded to the administrative law judge for further proceedings. Copies of the final decision and order of the NCUA Board shall be served upon each party to the proceeding, upon other persons required by statute, and, if directed by the NCUA Board or required by statute, upon any appropriate state or Federal supervisory authority.", "label": "ReportingAndCompliance"}
+{"text": "You may request expedited processing of your request if you can show a compelling need for the records. In cases where your request for expedited processing is granted or if NCUA has determined to expedite the response, it will be processed as soon as practicable., (a) To demonstrate a compelling need for expedited processing, you must provide a certified statement. The statement, certified by you to be true and correct to the best of your knowledge and belief, must demonstrate that:, (1) The failure to obtain the records on an expedited basis could reasonably be expected to pose an imminent threat to the life or physical safety of an individual; or, (2) The requester is a representative of the news media, as defined in § 792.20, and there is urgency to inform the public concerning actual or alleged NCUA activity., (b) In response to a request for expedited processing, the Information Center will notify you of the determination within ten working days of receipt of the request. If the Information Center denies your request for expedited processing, you may file an appeal pursuant to the procedures set forth in § 792.28, and NCUA will expeditiously respond to the appeal., (c) The Information Center will normally process requests in the order they are received in the separate processing tracks. However, in NCUA's discretion, a particular request may be processed out of turn.", "label": "ReportingAndCompliance"}
+{"text": "(a) Audited financial statements. Each insured depository institution shall prepare annual financial statements in accordance with GAAP, which shall be audited by an independent public accountant. The annual financial statements must reflect all material correcting adjustments necessary to conform with GAAP that were identified by the independent public accountant., (b) Management report. Each insured depository institution annually shall prepare, as of the end of the institution's most recent fiscal year, a management report that must contain the following:, (1) A statement of management's responsibilities for preparing the institution's annual financial statements, for establishing and maintaining an adequate internal control structure and procedures for financial reporting, and for complying with laws and regulations relating to safety and soundness that are designated by the FDIC and the appropriate Federal banking agency;, (2) An assessment by management of the insured depository institution's compliance with such laws and regulations during such fiscal year. The assessment must state management's conclusion as to whether the insured depository institution has complied with the designated safety and soundness laws and regulations during the fiscal year and disclose any noncompliance with these laws and regulations; and, (3) For an insured depository institution with consolidated total assets of $1 billion or more as of the beginning of such fiscal year, an assessment by management of the effectiveness of such internal control structure and procedures as of the end of such fiscal year that must include the following:, (i) A statement identifying the internal control framework 14 used by management to evaluate the effectiveness of the insured depository institution's internal control over financial reporting;, 14 For example, in the United States, the Committee of Sponsoring Organizations (COSO) of the Treadway Commission has published Internal Control - Integrated Framework, including an addendum on safeguarding assets. Known as the COSO report, this publication provides a suitable and available framework for purposes of management's assessment., (ii) A statement that the assessment included controls over the preparation of regulatory financial statements in accordance with regulatory reporting instructions including identification of such regulatory reporting instructions; and, (iii) A statement expressing management's conclusion as to whether the insured depository institution's internal control over financial reporting is effective as of the end of its fiscal year. Management must disclose all material weaknesses in internal control over financial reporting, if any, that it has identified that have not been remediated prior to the insured depository institution's fiscal year-end. Management is precluded from concluding that the institution's internal control over financial reporting is effective if there are one or more material weaknesses., (c) Management report signatures. Subject to the criteria specified in § 363.1(b):, (1) If the audited financial statements requirement specified in § 363.2(a) is satisfied at the insured depository institution level and the management report requirement specified in § 363.2(b) is satisfied in its entirety at the insured depository institution level, the management report must be signed by the chief executive officer and the chief accounting officer or chief financial officer of the insured depository institution;, (2) If the audited financial statements requirement specified in § 363.2(a) is satisfied at the holding company level and the management report requirement specified in § 363.2(b) is satisfied in its entirety at the holding company level, the management report must be signed by the chief executive officer and the chief accounting officer or chief financial officer of the holding company; and, (3) If the audited financial statements requirement specified in § 363.2(a) is satisfied at the holding company level and (i) the management report requirement specified in § 363.2(b) is satisfied in its entirety at the insured depository institution level or (ii) one or more of the components of the management report specified in § 363.2(b) is satisfied at the holding company level and the remaining components of the management report are satisfied at the insured depository institution level, the management report must be signed by the chief executive officers and the chief accounting officers or chief financial officers of both the holding company and the insured depository institution and the management report must clearly indicate the level (institution or holding company) at which each of its components is being satisfied.", "label": "ReportingAndCompliance"}
+{"text": "Solicitation of memberships, dues or other internal labor organization business shall be conducted during the nonduty hours of the employees concerned. Officially requested or approved consultation between management executives and representatives of a labor organization shall, whenever practicable, be conducted on official time, but the President or a duly authorized officer of a Bank may require that negotiations with a labor organization be conducted during the nonduty hours of the Bank.", "label": "CorporateGovernance"}
+{"text": "(a) Scope. This section applies to banks that are members of the Federal Reserve System (other than national banks) and their respective operating subsidiaries, branches and agencies of foreign banks (other than Federal branches, Federal Agencies, and insured State branches of foreign banks), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act (12 U.S.C. 601 et seq., and 611 et seq.), and bank holding companies and affiliates of such holding companies (other than depository institutions and consumer reporting agencies)., (b) Limits on redisclosure. If a person described in paragraph (a) of this section receives medical information about a consumer from a consumer reporting agency or its affiliate, the person must not disclose that information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.", "label": "ConsumerProtection"}
+{"text": "(a) Available approaches. (1) Unless the exposure meets the requirements for a community development equity exposure in § 324.152(b)(3)(i), an FDIC-supervised institution must determine the risk-weighted asset amount of an equity exposure to an investment fund under the full look-through approach in paragraph (b) of this section, the simple modified look-through approach in paragraph (c) of this section, or the alternative modified look-through approach in paragraph (d) of this section., (2) The risk-weighted asset amount of an equity exposure to an investment fund that meets the requirements for a community development equity exposure in § 324.152(b)(3)(i) is its adjusted carrying value., (3) If an equity exposure to an investment fund is part of a hedge pair and the FDIC-supervised institution does not use the full look-through approach, the FDIC-supervised institution may use the ineffective portion of the hedge pair as determined under § 324.152(c) as the adjusted carrying value for the equity exposure to the investment fund. The risk-weighted asset amount of the effective portion of the hedge pair is equal to its adjusted carrying value., (b) Full look-through approach. An FDIC-supervised institution that is able to calculate a risk-weighted asset amount for its proportional ownership share of each exposure held by the investment fund (as calculated under this subpart E of this part as if the proportional ownership share of each exposure were held directly by the FDIC-supervised institution) may either:, (1) Set the risk-weighted asset amount of the FDIC-supervised institution's exposure to the fund equal to the product of:, (i) The aggregate risk-weighted asset amounts of the exposures held by the fund as if they were held directly by the FDIC-supervised institution; and, (ii) The FDIC-supervised institution's proportional ownership share of the fund; or, (2) Include the FDIC-supervised institution's proportional ownership share of each exposure held by the fund in the FDIC-supervised institution's IMA., (c) Simple modified look-through approach. Under this approach, the risk-weighted asset amount for an FDIC-supervised institution's equity exposure to an investment fund equals the adjusted carrying value of the equity exposure multiplied by the highest risk weight assigned according to subpart D of this part that applies to any exposure the fund is permitted to hold under its prospectus, partnership agreement, or similar contract that defines the fund's permissible investments (excluding derivative contracts that are used for hedging rather than speculative purposes and that do not constitute a material portion of the fund's exposures)., (d) Alternative modified look-through approach. Under this approach, an FDIC-supervised institution may assign the adjusted carrying value of an equity exposure to an investment fund on a pro rata basis to different risk weight categories assigned according to subpart D of this part based on the investment limits in the fund's prospectus, partnership agreement, or similar contract that defines the fund's permissible investments. The risk-weighted asset amount for the FDIC-supervised institution's equity exposure to the investment fund equals the sum of each portion of the adjusted carrying value assigned to an exposure class multiplied by the applicable risk weight. If the sum of the investment limits for all exposure types within the fund exceeds 100 percent, the FDIC-supervised institution must assume that the fund invests to the maximum extent permitted under its investment limits in the exposure type with the highest risk weight under subpart D of this part, and continues to make investments in order of the exposure type with the next highest risk weight under subpart D of this part until the maximum total investment level is reached. If more than one exposure type applies to an exposure, the FDIC-supervised institution must use the highest applicable risk weight. An FDIC-supervised institution may exclude derivative contracts held by the fund that are used for hedging rather than for speculative purposes and do not constitute a material portion of the fund's exposures.", "label": "CapitalRequirements"}
+{"text": "(a) When. Within 20 days of service of the notice, respondent shall file an answer as designated in the notice. In a civil money penalty proceeding, respondent shall also file a request for a hearing within 20 days of service of the notice. , (b) Content of answer. An answer must specifically respond to each paragraph or allegation of fact contained in the notice and must admit, deny, or state that the party lacks sufficient information to admit or deny each allegation of fact. A statement of lack of information has the effect of a denial. Denials must fairly meet the substance of each allegation of fact denied; general denials are not permitted. When a respondent denies part of an allegation, that part must be denied and the remainder specifically admitted. Any allegation of fact in the notice which is not denied in the answer must be deemed admitted for purposes of the proceeding. A respondent is not required to respond to the portion of a notice that constitutes the prayer for relief or proposed order. The answer must set forth affirmative defenses, if any, asserted by the respondent. , (c) Default - (1) Effect of failure to answer. Failure of a respondent to file an answer required by this section within the time provided constitutes a waiver of his or her right to appear and contest the allegations in the notice. If no timely answer is filed, Enforcement Counsel may file a motion for entry of an order of default. Upon a finding that no good cause has been shown for the failure to file a timely answer, the administrative law judge shall file with the Board of Directors a recommended decision containing the findings and the relief sought in the notice. Any final order issued by the Board of Directors based upon a respondent's failure to answer is deemed to be an order issued upon consent. , (2) Effect of failure to request a hearing in civil money penalty proceedings. If respondent fails to request a hearing as required by law within the time provided, the notice of assessment constitutes a final and unappealable order. ", "label": "ReportingAndCompliance"}
+{"text": "(a) Purpose. This subpart grants Federal credit unions limited authority to enter into Derivatives only for the purpose of managing Interest Rate Risk., (b) Scope. This subpart applies to all Federal credit unions. Except as provided in § 741.219, this rule does not apply to federally insured, state-chartered credit unions., (c) Prior approvals. Any Federal credit union with an active approval, under the prior version of this subpart, on June 25, 2021 is subject to the provisions of this subpart and is no longer subject to the restrictions, limits, or terms contained in the Federal credit union's approved application., (d) Pending Approvals. Any application for Derivatives authority pending on June 25, 2021, except for such applications submitted by a Federal credit union that would be subject to the requirements of § 703.108(b), is deemed to be withdrawn and such applicant is subject to the provisions of this subpart.", "label": "RiskManagement"}
+{"text": "(a) Payment. In the event of the liquidation of an insured credit union, the Board will promptly determine the insured accountholders thereof and the amount of the insured account or accounts of each such accountholder. Payment may be in cash, or its equivalent, or may be made by making available to each accountholder a transferred account in a new federally insured credit union in the same community or in another federally insured credit union or institution in an amount equal to the accountholder's insured account. Notwithstanding the foregoing, the Board may withhold payment of such portion of the insured account of any member as may be required to provide for payment of any direct or indirect liability to the closed credit union or the liquidating agent, which is not offset against a claim due from such credit union, pending the determination and payment of such liability by the member of or any person liable therefor., (b) Amount of insurance. The amount of insurance on an insured account shall be determined in accordance with the provisions of Subpart A of this part and the Federal Credit Union Act. For the purpose of determining insurance coverage, dividends earned in the ordinary course of business and posted to share accounts for any prior accounting or dividend period shall be deemed to be principal under this part. Dividends earned or accrued in the ordinary course of business, but not posted to share accounts, may be paid at the discretion of the liquidating agent. In making such determination, the liquidating agent will take into consideration whether the failure to post dividends earned or accrued was due to the fraud, embezzlement or accounting errors of credit union personnel. The liquidating agent may require an accountholder to submit documentation supporting any claim for unposted dividends not otherwise evidenced in the credit union records. However, in no event will dividend amounts be considered as principal for insurance purposes pursuant to this section if not consistent with the amounts paid on similar classes of shares. , (c) Multiple accounts. In the event an insured member holds more than one insured account in the same capacity, and the aggregate amount of such accounts (including share draft accounts held in such capacity) exceeds the amount of insurance afforded thereon, the insurance coverage will be prorated among the member's interest in all accounts held in the same capacity. In the case of individual accounts, the insurance proceeds shall be paid to the holder of the account, whether or not the holder is the beneficial owner. In the case of accounts which are owned jointly, the insurance proceeds shall be paid to the owners jointly. In the case of trust estates, the insurance proceeds shall be paid to the indicated trustee unless otherwise provided for in the trust instrument or under state law. In the case of corporations, partnerships and unincorporated associations engaged in an independent activity, the insurance proceeds shall be paid to the indicated holder of the account. Where insurance payment is in the form of a transferred account to another insured institution, the same rules shall be applied., (d) Computing time. In computing any period of time prescribed by this subpart, the provisions of § 747.12(a) shall apply. ", "label": "ConsumerProtection"}
+{"text": "(a) A Farm Credit institution that directly or through third parties engages in any form of advertising shall not use words, phrases, symbols, directions, forms, or models in such advertising which express, imply or suggest a policy of discrimination or exclusion in violation of the provisions of title VIII (the Fair Housing Act) of the Civil Rights Act of 1968, as amended by the Fair Housing Amendments Act of 1988 (42 U.S.C. 3601-3631); the Department of Housing and Urban Development's implementing regulations (24 CFR parts 100 and 109), and title VII (the Equal Credit Opportunity Act) of the Consumer Credit Protection Act, as amended by the Equal Credit Opportunity Act Amendments of 1976 (15 U.S.C. 1691-1691f); and the Board of Governors of the Federal Reserve System's implementing regulation (12 CFR part 202), or this subpart., (b) Written advertisements relating to dwellings shall include a facsimile of the following logotype and legend: ", "label": "ConsumerProtection"}
+{"text": "(a) A natural person credit union may become a Regular member of the Facility by:, (1) Making application on a form approved by the Facility;, (2) Subscribing to capital stock of the Facility in an amount equal to one-half of 1 percent of the credit union's paid-in and unimpaired capital and surplus, as determined in accordance with § 725.5(b) of this part, and forwarding with its completed application funds equal to one-half of this stock subscription; and, (3) Furnishing the following reports and documents with the completed membership application:, (i) A copy of the credit union's financial and statistical report for the most recent calendar month; and, (ii) Copies of the credit union's charter and bylaws, unless the credit union is federally chartered. , (b) Reserved", "label": "CapitalRequirements"}
+{"text": "(a) What internal controls and records are necessary? - (1) General. A financial holding company, including a private equity fund controlled by a financial holding company, that makes investments under this part must establish and maintain policies, procedures, records and systems reasonably designed to conduct, monitor and manage such investment activities and the risks associated with such investment activities in a safe and sound manner, including policies, procedures, records and systems reasonably designed to: , (i) Monitor and assess the carrying value, market value and performance of each investment and the aggregate portfolio;, (ii) Identify and manage the market, credit, concentration and other risks associated with such investments; , (iii) Identify, monitor and assess the terms, amounts and risks arising from transactions and relationships (including contingent fees or contingent interests) with each company in which the financial holding company holds an interest under this part; , (iv) Ensure the maintenance of corporate separateness between the financial holding company and each company in which the financial holding company holds an interest under this part and protect the financial holding company and its depository institution subsidiaries from legal liability for the operations conducted and financial obligations of each such company; and, (v) Ensure compliance with this part. , (2) Availability of records. A financial holding company must make the policies, procedures and records required by paragraph (a)(1) of this section available to the Board or the appropriate Reserve Bank upon request. , (b) Certain additional recordkeeping and reporting requirements for merchant banking investments are set forth in the Board's Regulation Y, 12 CFR 225.175. ", "label": "ReportingAndCompliance"}
+{"text": "(a) External total loss-absorbing capacity requirement. A global systemically important BHC must maintain an outstanding external total loss-absorbing capacity amount that is no less than the amount equal to the greater of:, (1) 18 percent of the global systemically important BHC's total risk-weighted assets; and, (2) 7.5 percent of the global systemically important BHC's total leverage exposure., (b) Outstanding external total loss-absorbing capacity amount. A global systemically important BHC's outstanding external total loss-absorbing capacity amount is the sum of:, (1) The global systemically important BHC's common equity tier 1 capital (excluding any common equity tier 1 minority interest);, (2) The global systemically important BHC's additional tier 1 capital (excluding any tier 1 minority interest); and, (3) The global systemically important BHC's outstanding eligible external long-term debt amount plus 50 percent of the amount due to be paid of unpaid principal of outstanding eligible debt securities issued by the global systemically important BHC in, as calculated in § 252.62(b)(2), greater than or equal to 365 days (one year) but less than 730 days (two years)., (c) External TLAC buffer - (1) Composition of the external TLAC risk-weighted buffer. The external TLAC risk-weighted buffer is composed solely of common equity tier 1 capital., (2) Definitions. For purposes of this paragraph, the following definitions apply:, (i) Eligible retained income. The eligible retained income of a global systemically important BHC is the greater of:, (A) The global systemically important BHC's net income, calculated in accordance with the instructions to the FR Y-9C, for the four calendar quarters preceding the current calendar quarter, net of any distributions and associated tax effects not already reflected in net income; and, (B) The average of the global systemically important BHC's net income, calculated in accordance with the instructions to the FR Y-9C, for the four calendar quarters preceding the current calendar quarter., (ii) Maximum external TLAC risk-weighted payout ratio. The maximum external TLAC risk-weighted payout ratio is the percentage of eligible retained income that a global systemically important BHC can pay out in the form of distributions and discretionary bonus payments during the current calendar quarter. The maximum external TLAC risk-weighted payout ratio is based on the global systemically important BHC's external TLAC risk-weighted buffer level, calculated as of the last day of the previous calendar quarter, as set forth in Table 1 to § 252.63., (iii) Maximum external TLAC risk-weighted payout amount. A global systemically important BHC's maximum external TLAC risk-weighted payout amount for the current calendar quarter is equal to the global systemically important BHC's eligible retained income, multiplied by the applicable maximum external TLAC risk-weighted payout ratio, as set forth in Table 1 to § 252.63., (iv) Maximum external TLAC leverage payout ratio. The maximum external TLAC leverage payout ratio is the percentage of eligible retained income that a global systemically important BHC can pay out in the form of distributions and discretionary bonus payments during the current calendar quarter. The maximum external TLAC leverage payout ratio is based on the global systemically important BHC's external TLAC leverage buffer level, calculated as of the last day of the previous calendar quarter, as set forth in Table 2 to § 252.63., (v) Maximum external TLAC leverage payout amount. A global systemically important BHC's maximum external TLAC leverage payout amount for the current calendar quarter is equal to the global systemically important BHC's eligible retained income, multiplied by the applicable maximum TLAC leverage payout ratio, as set forth in Table 2 to § 252.63., (3) Calculation of the external TLAC risk-weighted buffer level. (i) A global systemically important BHC's external TLAC risk-weighted buffer level is equal to the global systemically important BHC's common equity tier 1 capital ratio (expressed as a percentage) minus the greater of zero and the following amount:, (A) 18 percent; minus, (B) The ratio (expressed as a percentage) of the global systemically important BHC's additional tier 1 capital (excluding any tier 1 minority interest) to its total risk-weighted assets; and minus, (C) The ratio (expressed as a percentage) of the global systemically important BHC's outstanding eligible external long-term debt amount plus 50 percent of the amount of unpaid principal of outstanding eligible debt securities issued by the global systemically important BHC due to be paid in, as calculated in § 252.62(b)(2), greater than or equal to 365 days (one year) but less than 730 days (two years) to total risk-weighted assets., (ii) Notwithstanding paragraph (c)(3)(i) of this section, if the ratio (expressed as a percentage) of a global systemically important BHC's external total loss-absorbing capacity amount as calculated under paragraph (b) of this section to its risk-weighted assets is less than or equal to 18 percent, the global systemically important BHC's external TLAC risk-weighted buffer level is zero., (4) Limits on distributions and discretionary bonus payments. (i) A global systemically important BHC shall not make distributions or discretionary bonus payments or create an obligation to make such distributions or payments during the current calendar quarter that, in the aggregate, exceed the maximum external TLAC risk-weighted payout amount or the maximum external TLAC leverage payout amount., (ii) A global systemically important BHC with an external TLAC risk-weighted buffer level that is greater than the external TLAC risk-weighted buffer and an external TLAC leverage buffer that is greater than 2.0 percent, in accordance with paragraph (c)(5) of this section, is not subject to a maximum external TLAC risk-weighted payout amount or a maximum external TLAC leverage payout amount., (iii) Except as provided in paragraph (c)(4)(iv) of this section, a global systemically important BHC may not make distributions or discretionary bonus payments during the current calendar quarter if the global systemically important BHC's:, (A) Eligible retained income is negative; and, (B) External TLAC risk-weighted buffer level was less than the external TLAC risk-weighted buffer as of the end of the previous calendar quarter or external TLAC leverage buffer level was less than 2.0 percent as of the end of the previous calendar quarter., (iv) Notwithstanding the limitations in paragraphs (c)(4)(i) through (iii) of this section, the Board may permit a global systemically important BHC to make a distribution or discretionary bonus payment upon a request of the global systemically important BHC, if the Board determines that the distribution or discretionary bonus payment would not be contrary to the purposes of this section, or to the safety and soundness of the global systemically important BHC. In making such a determination, the Board will consider the nature and extent of the request and the particular circumstances giving rise to the request., (v)(A) A global systemically important BHC is subject to the lowest of the maximum payout amounts as determined under 12 CFR 217.11(a)(2), the maximum external TLAC risk-weighted payout amount as determined under this paragraph, and the maximum external TLAC leverage payout amount as determined under this paragraph., (B) Additional limitations on distributions may apply to a global systemically important BHC under 12 CFR 225.4, 225.8, and 263.202., (5) External TLAC leverage buffer - (i) General. A global systemically important BHC is subject to the lower of the maximum external TLAC risk-weighted payout amount as determined under paragraph (c)(2)(iii) of this section and the maximum external TLAC leverage payout amount as determined under paragraph (c)(2)(v) of this section., (ii) Composition of the external TLAC leverage buffer. The external TLAC leverage buffer is composed solely of tier 1 capital., (iii) Calculation of the external TLAC leverage buffer level. (A) A global systemically important BHC's external TLAC leverage buffer level is equal to the global systemically important BHC's supplementary leverage ratio (expressed as a percentage) minus the greater of zero and the following amount:, (1) 7.5 percent; minus, (2) The ratio (expressed as a percentage) of the global systemically important BHC's outstanding eligible external long-term debt amount plus 50 percent of the amount of unpaid principal of outstanding eligible debt securities issued by the global systemically important BHC due to be paid in in, as calculated in § 252.62(b)(2), greater than or equal to 365 days (one year) but less than 730 days (two years) to total leverage exposure., (B) Notwithstanding paragraph (c)(5)(iii) of this section, if the ratio (expressed as a percentage) of a global systemically important BHC's external total loss-absorbing capacity amount as calculated under paragraph (b) of this section to its total leverage exposure is less than or equal to 7.5 percent, the global systemically important BHC's external TLAC leverage buffer level is zero., Table 1 to § 252.63 - Calculation of Maximum External TLAC Risk-Weighted Payout Amount,
Table 2 to § 252.63 - Calculation of Maximum External TLAC Leverage Payout Amount", "label": "CapitalRequirements"}
+{"text": "(a) Authority. This subpart is issued by the Board of Governors of the Federal Reserve System (Board) under the authority of the Bank Holding Company Act of 1956 (BHC Act) (12 U.S.C. 1841 et seq.) and the International Banking Act of 1978 (IBA) (12 U.S.C. 3101 et seq.). , (b) Purpose and scope. This subpart is in furtherance of the purposes of the BHC Act and the IBA. It applies to foreign banks and foreign banking organizations with respect to: , (1) The limitations on interstate banking under section 5 of the IBA (12 U.S.C. 3103); , (2) The exemptions from the nonbanking prohibitions of the BHC Act and the IBA afforded by sections 2(h) and 4(c)(9) of the BHC Act (12 U.S.C. 1841(h), 1843(c)(9)); , (3) Board approval of the establishment of an office of a foreign bank in the United States under sections 7(d) and 10(a) of the IBA (12 U.S.C. 3105(d), 3107(a)); , (4) The termination by the Board of a foreign bank's representative office, state branch, state agency, or commercial lending company subsidiary under sections 7(e) and 10(b) of the IBA (12 U.S.C. 3105(e), 3107(b)), and the transmission of a recommendation to the Comptroller to terminate a federal branch or federal agency under section 7(e)(5) of the IBA (12 U.S.C. 3105(e)(5)); , (5) The examination of an office or affiliate of a foreign bank in the United States as provided in sections 7(c) and 10(c) of the IBA (12 U.S.C. 3105(c), 3107(c)); , (6) The disclosure of supervisory information to a foreign supervisor under section 15 of the IBA (12 U.S.C. 3109); , (7) The limitations on loans to one borrower by state branches and state agencies of a foreign bank under section 7(h)(2) of the IBA (12 U.S.C. 3105(h)(2)); , (8) The limitation of a state branch and a state agency to conducting only activities that are permissible for a federal branch under section (7)(h)(1) of the IBA (12 U.S.C. 3105(h)(1)); and , (9) The deposit insurance requirement for retail deposit taking by a foreign bank under section 6 of the IBA (12 U.S.C. 3104). , (10) The management of shell branches (12 U.S.C. 3105(k)). , (c) Additional requirements. Compliance by a foreign bank with the requirements of this subpart and the laws administered and enforced by the Board does not relieve the foreign bank of responsibility to comply with the laws and regulations administered by the licensing authority. ", "label": "ReportingAndCompliance"}
+{"text": "(a) This regulation applies to demands or requests for records, information, or testimony, in legal proceedings in which FHFA is not a named party., (b) This regulation does not apply to:, (1) Demands or requests for an FHFA employee to testify as to facts or events that are unrelated to his or her official duties or that are unrelated to the functions of FHFA;, (2) Requests for the release of non-exempt records under the Freedom of Information Act, 5 U.S.C. 552, or the Privacy Act, 5 U.S.C. 552a; or, (3) Congressional demands or requests for records or testimony.", "label": "ReportingAndCompliance"}
+{"text": "(a) As a condition for extending funding, discount and other similar financial assistance to an OFI, each Farm Credit Bank or agricultural credit bank shall require every OFI to:, (1) Execute a general financing agreement pursuant to the regulations in subpart C of part 614; and, (2) Purchase non-voting stock in its Farm Credit Bank or agricultural credit bank pursuant to the bank's bylaws., (b) A Farm Credit Bank or agricultural credit bank shall extend funding, discount and other similar financial assistance to an OFI only for purposes and terms authorized under sections 1.10(b) and 2.4(a) and (b) of the Act., (c) Rural home loans to borrowers who are not bona fide farmers, ranchers, and aquatic producers and harvesters are subject to the restrictions in § 613.3030 of this chapter. Loans that an OFI makes to processing and marketing operators who supply less than 20 percent of the throughput shall be included in the calculation that § 613.3010(b)(1) of this chapter establishes for Farm Credit Banks and agricultural credit banks., (d) The borrower rights requirements in part C of title IV of the Act, and the regulations in part 617 of this chapter shall apply to all loans that an OFI funds or discounts through a Farm Credit Bank or agricultural credit bank, unless such loans are subject to the Truth-in-Lending Act, 15 U.S.C. 1601 et seq., (e) As a condition for obtaining funding, discount and other similar financial assistance from a Farm Credit Bank or agricultural credit bank, all State banks, trust companies, or State-chartered savings associations shall execute a written consent that authorizes their State regulators to furnish examination reports to the Farm Credit Administration upon its request. Any OFI that is not a depository institution shall consent in writing to examination by the Farm Credit Administration as a condition precedent for obtaining funding, discount and other similar financial assistance from a Farm Credit Bank or agricultural credit bank, and file such consent with its Farm Credit funding bank.", "label": "ReportingAndCompliance"}
+{"text": "(a) General provision. To qualify as AMA, any assets described in § 1268.3 must be acquired in a purchase or funding transaction only from:, (1) A participating financial institution, provided that the asset was:, (i) Originated or issued by, through, or on behalf of the participating financial institution, or an affiliate thereof; or, (ii) Held for a valid business purpose by the participating financial institution, or an affiliate thereof, prior to acquisition by the Bank; or, (2) Another Bank, provided that the asset was originally acquired by the selling Bank consistent with this section., (b) Special provision for housing finance agency bonds. In the case of housing finance agency bonds acquired by a Bank from a housing associate located in the district of another Bank (local Bank), the arrangement required by the definition of “participating financial institution” in § 1268.1 between the acquiring Bank and the local Bank may be reached in accordance with the following process:, (1) The housing finance agency shall first offer the local Bank right of first refusal to purchase, or negotiate the terms of, its proposed bond offering;, (2) If the local Bank indicates, within three business days, it will negotiate in good faith to purchase the bonds, the housing finance agency may not offer to sell or negotiate the terms of a purchase with another Bank; and, (3) If the local Bank declines the offer, or has failed to respond within three business days, the acquiring Bank will be considered to have an arrangement with the local Bank for purposes of this section and may offer to buy or negotiate the terms of a bond sale with the housing finance agency.", "label": "ReportingAndCompliance"}
+{"text": "On a determination by the receiver that there are insufficient assets of the receivership to pay all valid claims against the receivership, the receiver shall submit to the Secretary of the Treasury and Congress a report on the financial condition of the receivership. ", "label": "ReportingAndCompliance"}
+{"text": "Under the International Lending Supervision Act of 1983 (Title IX, Pub. L. 98-181, 97 Stat. 1153) (12 U.S.C. 3901 et seq.) (ILSA), the Federal Deposit Insurance Corporation prescribes the regulations in this subpart relating to international lending activities of banks.", "label": "ReportingAndCompliance"}
+{"text": "(a) Farm Credit Banks. No Farm Credit Bank may make or discount a loan to a borrower if the consolidated amount of all loans outstanding and undisbursed commitments to that borrower exceed 15 percent of the bank's lending and leasing limit base. , (b) Agricultural credit banks. (1) No agricultural credit bank may make or discount a loan to a borrower under the authority of title I of the Act if the consolidated amount of all loans outstanding and undisbursed commitments to that borrower exceed 15 percent of the bank's lending and leasing limit base. , (2) No agricultural credit bank may make or discount a loan to a borrower under the authority of title III of the Act if the consolidated amount of all loans outstanding and undisbursed commitments to that borrower exceed the lending and leasing limits prescribed in § 614.4355 of this subpart. ", "label": "CapitalRequirements"}
+{"text": "(a) General rule. As provided in section 1379B(b) of the Safety and Soundness Act (12 U.S.C. 4639(b)), all hearings shall be open to the public, except that the Director, in his discretion, may determine that holding an open hearing would be contrary to the public interest. The Director may make such determination sua sponte at any time by written notice to all parties, or as provided in paragraphs (b) and (c) of this section., (b) Motion for closed hearing. Within 20 days of service of the notice of charges, any party may file with the presiding officer a motion for a private hearing and any party may file a pleading in reply to the motion. The presiding officer shall forward the motion and any reply, together with a recommended decision on the motion, to the Director, who shall make a final determination. Such motions and replies are governed by § 1209.28 of this part. A determination under this section is committed to the discretion of the Director and is not a reviewable final agency action., (c) Filing documents under seal. FHFA counsel of record, in his discretion, may file or require the filing of any document or part of a document under seal, if such counsel makes a written determination that disclosure of the document would be contrary to the public interest. The presiding officer shall issue an order to govern confidential information, and take all appropriate steps to preserve the confidentiality of such documents in whole or in part, including closing any portion of a hearing to the public or issuing a protective order under such terms as may be acceptable to FHFA counsel of record., (d) Procedures for closed hearing. An evidentiary hearing, or any part thereof, that is closed for the purpose of offering into evidence testimony or documents filed under seal as provided in paragraph (c) of this section shall be conducted under procedures that may include: prior notification to the submitter of confidential information; provisions for sealing portions of the record, briefs, and decisions; in camera arguments, offers of proof, and testimony; and limitations on representatives of record or other participants, as the presiding officer may designate. Additionally, at such proceedings the presiding officer may make an opening statement as to the confidentiality and limitations and deliver an oath to the parties, representatives of record, or other approved participants as to the confidentiality of the proceedings.", "label": "ReportingAndCompliance"}
+{"text": "Pursuant to policies approved by the board of directors, differential interest rates may be established for loans based on a variety of factors that may include type, purpose, amount, quality, funding or operating costs, or similar factors or combinations of factors. Differential interest rate programs should achieve equitable rate treatment within categories of borrowers. In the adoption of differential interest rate programs, institutions may consider, among other things, the effect that such interest rate structures will have on the achievement of objectives relating to the special credit needs of young, beginning or small farmers. ", "label": "ConsumerProtection"}
+{"text": "(a) Authority. 12 U.S.C. 321-338a, 1818, 1831p-1, 1844(b), 1844(c), 5361, 5365, 5366., (b) Purpose. This subpart establishes the requirement for a covered company to conduct stress tests. This subpart also establishes definitions of stress test and related terms, methodologies for conducting stress tests, and reporting and disclosure requirements.", "label": "RiskManagement"}
+{"text": "(a) Except as provided for in paragraph (d) of this section, an offering circular filed by a State savings association shall be deemed to be automatically declared effective by the FDIC on the twentieth day after filing or on such earlier date as the FDIC may determine for good cause shown., (b) If any amendment is filed prior to the effective date, the offering circular shall be deemed to have been filed when such amendment was filed., (c) The period until automatic effectiveness under this subpart shall be stated at the bottom of the facing page of the Form OC or any amendment., (d) The effectiveness will be delayed if a duly authorized amendment, telegram confirmed in writing, or letter states that the effective date is delayed until a further amendment is filed specifically stating that the offering circular will become effective in accordance with this subpart., (e) An amendment filed after the effective date of the offering circular shall become effective on such date as the FDIC may determine., (f) If it appears to the FDIC at any time that the offering circular includes any untrue statement of a material fact or omits to state any material fact required to be stated therein or necessary to make the statements therein not misleading, then the FDIC may pursue any remedy it is authorized to pursue under section 8 of the Federal Deposit Insurance Act, as amended (12 U.S.C. 1818), including, but not limited to, institution of cease-and-desist proceedings.", "label": "ReportingAndCompliance"}
+{"text": "(a) Automatic membership for certain charter conversions. An insured depository institution member that converts from one charter type to another automatically shall become a member of the Bank of which the converting institution was a member on the effective date of the conversion, provided that the converted institution continues to be an insured depository institution and the assets of the institution immediately before and immediately after the conversion are not materially different. In such case, all relationships existing between the member and the Bank at the time of such conversion may continue., (b) Automatic membership for transfers. Any member that relocates its principal place of business to another Bank district or that redesignates its principal place of business to another Bank district pursuant to § 1263.18(c) automatically shall become a member of the Bank of that district upon the purchase of the minimum amount of Bank stock required for membership in that Bank, as required by § 1263.20., (c) Automatic membership, in the Bank's discretion, for certain consolidations. (1) If a member institution (or institutions) and a nonmember institution are consolidated, and the consolidated institution has its principal place of business in a State in the same Bank district as the disappearing institution (or institutions), and the consolidated institution will operate under the charter of the nonmember institution, on the effective date of the consolidation, the consolidated institution may, in the discretion of the Bank of which the disappearing institution (or institutions) was a member immediately prior to the effective date of the consolidation, automatically become a member of such Bank upon the purchase of the minimum amount of Bank stock required for membership in that Bank, as required by § 1263.20, provided that:, (i) 90 percent or more of the consolidated institution's total assets are derived from the total assets of the disappearing member institution (or institutions); and, (ii) The consolidated institution provides written notice to such Bank, within 60 calendar days after the effective date of the consolidation, that it desires to be a member of the Bank., (2) The provisions of § 1263.24(b)(4)(i) shall apply, and upon approval of automatic membership by the Bank, the provisions of § 1263.24(c) shall apply.", "label": "CorporateGovernance"}
+{"text": "Prior to the effective date of the termination of the insured status of an insured credit union under section 206(b) of the Act (12 U.S.C. 1786(b)) and at such time as the Board shall specify, the credit union shall mail to each member at his or her last address of record on the books of the credit union, and publish in not less than two issues of a local newspaper of general circulation, notices of the termination of its insured status, and the credit union shall furnish the NCUA Board with proof of publication of such notice. The notice shall be as follows:, 1. The status of the ___ as an insured credit union under the provisions of the Federal Credit Union Act, will terminate as of the close of business on the __ day of __;, 2. Any deposits made by you after that date, either new deposits or additions to existing accounts, will not be insured by the National Credit Union Administration;, 3. Accounts in the credit union on the __ day of __, __ up to a maximum of $250,000 for each member, will continue to be insured, as provided by the Federal Credit Union Act, for one (1) year after the close of business on the __ day of __, __: Provided, however, That any withdrawals after the close of business on the day of __, __; will reduce the insurance coverage by the amount of such withdrawals.", "label": "ConsumerProtection"}
+{"text": "(a) Number of meetings. The board of directors of each Bank shall hold as many meetings each year as necessary and appropriate to carry out its fiduciary responsibilities with respect to the effective oversight of Bank management and such other duties and obligations as may be imposed by applicable laws, provided the board of directors of a Bank must hold a minimum of six in-person meetings in any year., (b) Site of meetings. The bank usually should hold board of director and committee meetings within the district served by the Bank. The Bank shall not hold board of director or committee meetings in any location that is not within the United States, including its possessions and territories.", "label": "CorporateGovernance"}
+{"text": "(a) False, fictitious or fraudulent claims., (1) A civil penalty of not more than $12,537 may be imposed upon a person who makes a claim to FHFA for property, services, or money where the person knows or has reason to know that the claim: , (i) Is false, fictitious, or fraudulent;, (ii) Includes or is supported by a written statement that:, (A) Asserts a material fact which is false, fictitious, or fraudulent; or, (B) Omits a material fact and, as a result of the omission, is false, fictitious, or fraudulent, where the person making, presenting, or submitting such statement has a duty to include such material fact; or, (iii) Is for payment for the provision of property or services to FHFA which the person has not provided as claimed., (2) Each voucher, invoice, claim form, or other individual request or demand for property, services, or money constitutes a separate claim for purposes of this part., (3) A claim shall be considered made to FHFA, a recipient, or party when the claim is actually made to an agent, fiscal intermediary, or other entity, acting for or on behalf of FHFA, the recipient, or the party., (4) Each claim for property, services, or money is subject to a civil penalty, without regard to whether the property, services, or money actually is delivered or paid., (5) There is no liability under this part if the amount of money or value of property or services claimed exceeds $150,000 as to each claim that a person submits. For purposes of this paragraph (a), a group of claims submitted simultaneously as part of a single transaction shall be considered a single claim., (6) If the FHFA has made any payment, transferred property, or provided services for a claim, then FHFA may make an assessment against a person found liable in an amount of up to twice the amount of the claim or portion of the claim that is determined to be in violation of paragraph (a)(1) of this section. This assessment is in addition to the amount of any civil penalty imposed., (b) False, fictitious or fraudulent statements., (1) A civil penalty of up to $12,537 may be imposed upon a person who makes a written statement to FHFA with respect to a claim, contract, bid or proposal for a contract, or benefit from FHFA that:, (i) The person knows or has reason to know:, (A) Asserts a material fact which is false, fictitious, or fraudulent; or, (B) Omits a material fact and is false, fictitious, or fraudulent as a result of such omission, where the person making, presenting, or submitting such statement has a duty to include such material fact; and, (ii) Contains or is accompanied by an express certification or affirmation of the truthfulness and accuracy of the contents of the statement., (2) Each written representation, certification, or affirmation constitutes a separate statement., (3) A statement shall be considered made to FHFA when the statement is actually made to an agent, fiscal intermediary, or other entity acting for or on behalf of FHFA., (c) Joint and several liability. A civil penalty or assessment may be imposed jointly and severally if more than one person is determined to be liable.", "label": "ReportingAndCompliance"}
+{"text": "A mortgage loan which permits the borrower to obtain additional sums during the term of the loan. ", "label": "ConsumerProtection"}
+{"text": "(a) Civil money penalty proceedings - (1) In general. Section 1376 of the Safety and Soundness Act (12 U.S.C. 4636) governs the imposition of civil money penalties. Upon written notice, which shall conform to the requirements of § 1209.23 of this part, and a hearing on the record to be conducted in accordance with subpart C of this part, the Director may impose a civil money penalty on any regulated entity or any entity-affiliated party as provided by section 1376 of the Safety and Soundness Act for any violation, practice, or breach addressed under sections 1371, 1372, or 1376 of the Safety and Soundness Act (12 U.S.C. 4631, 4632, 4636), except with regard to the enforcement of housing goals that are addressed separately under sections 1341 and 1345 of the Safety and Soundness Act (12 U.S.C. 4581, 4585)., (2) Amount of penalty - (i) First Tier. Section 1376(b)(1) of the Safety and Soundness Act (12 U.S.C. 4636(b)(1)) prescribes the civil penalty for violations as stated therein, in the amount of $10,000 for each day during which a violation continues., (ii) Second Tier. Section 1376(b)(2) of the Safety and Soundness Act (12 U.S.C. 4636(b)(2)) provides that notwithstanding paragraph (b)(1) thereof, a regulated entity or entity-affiliated party shall forfeit and pay a civil penalty of not more than $50,000 for each day during which a violation, practice, or breach continues, if the regulated entity or entity-affiliated party commits any violation described in (b)(1) thereof, recklessly engages in an unsafe or unsound practice, or breaches any fiduciary duty, and the violation, practice, or breach is part of a pattern of misconduct; causes or is likely to cause more than a minimal loss to the regulated entity; or results in pecuniary gain or other benefit to such party., (iii) Third Tier. Section 1376(b)(3) of the Safety and Soundness Act (12 U.S.C. 4636(b)(3)) provides that, notwithstanding paragraphs (b)(1) and (b)(2) thereof, any regulated entity or entity-affiliated party shall forfeit and pay a civil penalty, in accordance with section 1376(b)(4) of the Safety and Soundness Act (12 U.S.C. 4636(b)(4)), for each day during which such violation, practice, or breach continues, if such regulated entity or entity-affiliated party:, (A) Knowingly - , (1) Commits any violation described in any subparagraph of section 1376(b)(1) of the Safety and Soundness Act;, (2) Engages in any unsafe or unsound practice in conducting the affairs of the regulated entity; or, (3) Breaches any fiduciary duty; and, (B) Knowingly or recklessly causes a substantial loss to the regulated entity or a substantial pecuniary gain or other benefit to such party by reason of such violation, practice, or breach., (b) Maximum amounts - (1) Maximum daily penalty. Section 1376(b)(4) of the Safety and Soundness Act (12 U.S.C. 4636(b)(4)), prescribes the maximum daily amount of a civil penalty that may be assessed for any violation, practice, or breach pursuant to section 1376(b)(3) of the Safety and Soundness Act (12 U.S.C. 4636(b)(3)), in the case of any entity-affiliated party (not to exceed $2,000,000.00), and in the case of any regulated entity ($2,000,000.00)., (2) Inflation Adjustment Act. The maximum civil penalty amounts are subject to periodic adjustment under the Federal Civil Penalties Inflation Adjustment Act of 1990, as amended (28 U.S.C. 2461 note), as provided in subpart E of this part., (c) Factors in determining amount of penalty. In accordance with section 1376(c)(2) of the Safety and Soundness Act (12 U.S.C. 4636(c)(2)), in assessing civil money penalties on a regulated entity or an entity-affiliated party in amounts as provided in section 1376(b) of the Safety and Soundness Act (12 U.S.C. 4636(b)), the Director shall give consideration to such factors as:, (1) The gravity of the violation, practice, or breach;, (2) Any history of prior violations or supervisory actions, or any attempts at concealment;, (3) The effect of the penalty on the safety and soundness of the regulated entity or the Office of Finance;, (4) Any loss or risk of loss to the regulated entity or to the Office of Finance;, (5) Any benefits received or derived, whether directly or indirectly, by the respondent(s);, (6) Any injury to the public;, (7) Any deterrent effect on future violations, practices, or breaches;, (8) The financial capacity of the respondent(s), or any unusual circumstance(s) of hardship upon an executive officer, director, or other individual;, (9) The promptness, cost, and effectiveness of any effort to remedy or ameliorate the consequences of the violation, practice, or breach;, (10) The candor and cooperation, if any, of the respondent(s); and, (11) Any other factors the Director may determine by regulation to be appropriate., (d) Review of imposition of penalty. Section 1376(c)(3) of the Safety and Soundness Act (12 U.S.C. 4636(c)(3)) governs judicial review of a penalty order under section 1374 of the Safety and Soundness Act (12 U.S.C. 4634).", "label": "ReportingAndCompliance"}
+{"text": "(a) Records. The creditor shall maintain a record for each account showing the full details of all transactions., (b) Separation of accounts - (1) In general. The requirements of one account may not be met by considering items in any other account. If withdrawals of cash or securities are permitted under this part, written entries shall be made when cash or securities are used for purposes of meeting requirements in another account., (2) Exceptions. Notwithstanding paragraph (b)(1) of this section:, (i) For purposes of calculating the required margin for a security in a margin account, assets held in the good faith account pursuant to § 220.6(e)(1)(i) or (ii) may serve in lieu of margin;, (ii) Transfers may be effected between the margin account and the special memorandum account pursuant to §§ 220.4 and 220.5., (c) Maintenance of credit. Except as prohibited by this part, any credit initially extended in compliance with this part may be maintained regardless of:, (1) Reductions in the customer's equity resulting from changes in market prices;, (2) Any security in an account ceasing to be margin or exempted; or, (3) Any change in the margin requirements prescribed under this part., (d) Guarantee of accounts. No guarantee of a customer's account shall be given any effect for purposes of this part., (e) Receipt of funds or securities. (1) A creditor, acting in good faith, may accept as immediate payment:, (i) Cash or any check, draft, or order payable on presentation; or, (ii) Any security with sight draft attached., (2) A creditor may treat a security, check or draft as received upon written notification from another creditor that the specified security, check, or draft has been sent., (3) Upon notification that a check, draft, or order has been dishonored or when securities have not been received within a reasonable time, the creditor shall take the action required by this part when payment or securities are not received on time., (4) To temporarily finance a customer's receipt of securities pursuant to an employee benefit plan registered on SEC Form S-8 or the withholding taxes for an employee stock award plan, a creditor may accept, in lieu of the securities, a properly executed exercise notice, where applicable, and instructions to the issuer to deliver the stock to the creditor. Prior to acceptance, the creditor must verify that the issuer will deliver the securities promptly and the customer must designate the account into which the securities are to be deposited., (f) Exchange of securities. (1) To enable a customer to participate in an offer to exchange securities which is made to all holders of an issue of securities, a creditor may submit for exchange any securities held in a margin account, without regard to the other provisions of this part, provided the consideration received is deposited into the account., (2) If a nonmargin, nonexempted security is acquired in exchange for a margin security, its retention, withdrawal, or sale within 60 days following its acquisition shall be treated as if the security is a margin security., (g) Arranging for loans by others. A creditor may arrange for the extension or maintenance of credit to or for any customer by any person, provided the creditor does not willfully arrange credit that violates parts 221 or 224 of this chapter., (h) Innocent mistakes. If any failure to comply with this part results from a mistake made in good faith in executing a transaction or calculating the amount of margin, the creditor shall not be deemed in violation of this part if, promptly after the discovery of the mistake, the creditor takes appropriate corrective action., (i) Foreign currency. (1) Freely convertible foreign currency may be treated at its U.S. dollar equivalent, provided the currency is marked-to-market daily., (2) A creditor may extend credit denominated in any freely convertible foreign currency., (j) Exempted borrowers. (1) A member of a national securities exchange or a registered broker or dealer that has been in existence for less than one year may meet the definition of exempted borrower based on a six-month period., (2) Once a member of a national securities exchange or registered broker or dealer ceases to qualify as an exempted borrower, it shall notify its lender of this fact before obtaining additional credit. Any new extensions of credit to such a borrower, including rollovers, renewals, and additional draws on existing lines of credit, are subject to the provisions of this part.", "label": "RiskManagement"}
+{"text": "(a) General. (1) An FDIC-supervised institution must calculate the exposure amount of an off-balance sheet exposure using the credit conversion factors (CCFs) in paragraph (b) of this section., (2) Where an FDIC-supervised institution commits to provide a commitment, the FDIC-supervised institution may apply the lower of the two applicable CCFs., (3) Where an FDIC-supervised institution provides a commitment structured as a syndication or participation, the FDIC-supervised institution is only required to calculate the exposure amount for its pro rata share of the commitment., (4) Where an FDIC-supervised institution provides a commitment, enters into a repurchase agreement, or provides a credit-enhancing representation and warranty, and such commitment, repurchase agreement, or credit-enhancing representation and warranty is not a securitization exposure, the exposure amount shall be no greater than the maximum contractual amount of the commitment, repurchase agreement, or credit-enhancing representation and warranty, as applicable., (b) Credit conversion factors - (1) Zero percent CCF. An FDIC-supervised institution must apply a zero percent CCF to the unused portion of a commitment that is unconditionally cancelable by the FDIC-supervised institution., (2) 20 percent CCF. An FDIC-supervised institution must apply a 20 percent CCF to the amount of:, (i) Commitments with an original maturity of one year or less that are not unconditionally cancelable by the FDIC-supervised institution; and, (ii) Self-liquidating, trade-related contingent items that arise from the movement of goods, with an original maturity of one year or less., (3) 50 percent CCF. An FDIC-supervised institution must apply a 50 percent CCF to the amount of:, (i) Commitments with an original maturity of more than one year that are not unconditionally cancelable by the FDIC-supervised institution; and, (ii) Transaction-related contingent items, including performance bonds, bid bonds, warranties, and performance standby letters of credit., (4) 100 percent CCF. An FDIC-supervised institution must apply a 100 percent CCF to the amount of the following off-balance-sheet items and other similar transactions:, (i) Guarantees;, (ii) Repurchase agreements (the off-balance sheet component of which equals the sum of the current fair values of all positions the FDIC-supervised institution has sold subject to repurchase);, (iii) Credit-enhancing representations and warranties that are not securitization exposures;, (iv) Off-balance sheet securities lending transactions (the off-balance sheet component of which equals the sum of the current fair values of all positions the FDIC-supervised institution has lent under the transaction);, (v) Off-balance sheet securities borrowing transactions (the off-balance sheet component of which equals the sum of the current fair values of all non-cash positions the FDIC-supervised institution has posted as collateral under the transaction);, (vi) Financial standby letters of credit; and, (vii) Forward agreements.", "label": "CapitalRequirements"}
+{"text": "(a) Trustee's role. (1) SIPC, as trustee for a covered broker or dealer, shall determine customer status, claims for net equity, claims for customer name securities, and whether property of the covered broker or dealer qualifies as customer property. SIPC, as trustee for a covered broker or dealer, shall make claims determinations in accordance with SIPA and with paragraph (a)(3) of this section, but such determinations, and any claims related thereto, shall be governed by the procedures set forth in paragraph (b) of this section., (2) SIPC shall make advances in accordance with, and subject to the limitations imposed by, 15 U.S.C. 78fff-3. Where appropriate, SIPC shall make such advances by delivering cash or securities to the customer accounts established at the bridge broker or dealer., (3) Customer property held by a covered broker or dealer shall be allocated as follows:, (i) First, to SIPC in repayment of advances made by SIPC pursuant to 12 U.S.C. 5385(f) and 15 U.S.C. 78fff-3(c)(1), to the extent such advances effected the release of securities which then were apportioned to customer property pursuant to 15 U.S.C. 78fff(d);, (ii) Second, to customers of such covered broker or dealer, or in the case that customer accounts are transferred to a bridge broker or dealer, then to such customer accounts at a bridge broker or dealer, who shall share ratably in such customer property on the basis and to the extent of their respective net equities;, (iii) Third, to SIPC as subrogee for the claims of customers; and, (iv) Fourth, to SIPC in repayment of advances made by SIPC pursuant to 15 U.S.C. 78fff-3(c)(2)., (4) The determinations and advances made by SIPC as trustee for a covered broker or dealer under this subpart D shall be made in a manner consistent with SIPC's customary practices under SIPA. The allocation of customer property, advances from SIPC, and delivery of customer name securities to each customer or to its customer account at a bridge broker or dealer, in partial or complete satisfaction of such customer's net equity claims as of the close of business on the appointment date, shall be in a manner, including form and timing, and in an amount at least as beneficial to such customer as would have been the case had the covered broker or dealer been liquidated under SIPA. Any claims related to determinations made by SIPC as trustee for a covered broker or dealer shall be governed by the procedures set forth in paragraph (b) of this section., (b) Receiver's role. Any claim shall be determined in accordance with the procedures set forth in 12 U.S.C. 5390(a)(2) through (5) and the regulations promulgated by the Corporation thereunder, provided however, that - , (1) Notice requirements. The notice of the appointment of the Corporation as receiver for a covered broker or dealer shall also include notice of the appointment of SIPC as trustee. The Corporation as receiver shall coordinate with SIPC as trustee to post the notice on SIPC's public website in addition to the publication procedures set forth in § 380.33., (2) Procedures for filing a claim. The Corporation as receiver shall consult with SIPC, as trustee, regarding a claim form and filing instructions with respect to claims against the Corporation as receiver for a covered broker or dealer, and such information shall be provided on SIPC's public website in addition to the Corporation's public website. Any such claim form shall contain a provision permitting a claimant to claim status as a customer of the broker or dealer, if applicable., (3) Claims bar date. The Corporation as receiver shall establish a claims bar date in accordance with 12 U.S.C. 5390(a)(2)(B)(i) and any regulations promulgated thereunder by which date creditors of a covered broker or dealer, including all customers of the covered broker or dealer, shall present their claims, together with proof. The claims bar date for a covered broker or dealer shall be the date following the expiration of the six-month period beginning on the date a notice to creditors to file their claims is first published in accordance with 12 U.S.C. 5390(a)(2)(B)(i) and any regulations promulgated thereunder. Any claim filed after the claims bar date shall be disallowed, and such disallowance shall be final, as provided by 12 U.S.C. 5390(a)(3)(C)(i) and any regulations promulgated thereunder, except that a claim filed after the claims bar date shall be considered by the receiver as provided by 12 U.S.C. 5390(a)(3)(C)(ii) and any regulations promulgated thereunder. In accordance with section 8(a)(3) of SIPA, 15 U.S.C. 78fff-2(a)(3), any claim for net equity filed more than sixty days after the date the notice to creditors to file claims is first published need not be paid or satisfied in whole or in part out of customer property and, to the extent such claim is paid by funds advanced by SIPC, it shall be satisfied in cash or securities, or both, as SIPC, as trustee, determines is most economical to the receivership estate., (c) Decision period. The Corporation as receiver of a covered broker or dealer shall notify a claimant whether it allows or disallows the claim, or any portion of a claim or any claim of a security, preference, set-off, or priority, within the 180-day period set forth in 12 U.S.C. 5390(a)(3)(A) and any regulations promulgated thereunder (as such 180-day period may be extended by written agreement as provided therein) or within the 90-day period set forth in 12 U.S.C. 5390(a)(5)(B) and any regulations promulgated thereunder, whichever is applicable. In accordance with paragraph (a) of this section, the Corporation, as receiver, shall issue the notice required by this paragraph (c), which shall utilize the determination made by SIPC, as trustee, in a manner consistent with SIPC's customary practices in a liquidation under SIPA, with respect to any claim for net equity or customer name securities. The process established herein for the determination, within the 180-day period set forth in 12 U.S.C. 5390(a)(3)(A) and any regulations promulgated thereunder (as such 180-day period may be extended by written agreement as provided therein), of claims by customers of a covered broker or dealer for customer property or customer name securities shall constitute the exclusive process for the determination of such claims, and any procedure for expedited relief established pursuant to 12 U.S.C. 5390(a)(5) and any regulations promulgated thereunder shall be inapplicable to such claims., (d) Judicial review. The claimant may seek a judicial determination of any claim disallowed, in whole or in part, by the Corporation as receiver, including any claim disallowed based upon any determination(s) of SIPC as trustee made pursuant to § 380.64(a), by the appropriate district or territorial court of the United States in accordance with 12 U.S.C. 5390(a)(4) or (5), whichever is applicable, and any regulations promulgated thereunder.", "label": "ConsumerProtection"}
+{"text": "(a) After the board of directors approves a merger proposal and receives NCUA's authorization as described in §§ 708a.303 and 708a.304, the credit union must provide written notice of its intent to merge to each member who is eligible to vote on the merger. The notice to members must be mailed 90 calendar days and 30 calendar days before the date of the membership vote on the merger. A ballot must be included in the same envelope as the 30-day notice and only with the 30-day notice. A merging credit union may not distribute ballots with the 90-day notice, in any other written communications, or in person before the 30-day notice is sent., (b)(1) The notice to members must adequately describe the purpose and subject matter of the vote and clearly inform members that they may vote at the special meeting or by submitting the written ballot. The notice must state the date, time, and place of the meeting., (2) The 90-day notice must state in a clear and conspicuous fashion that a written ballot will be mailed together with another notice 30 days before the date of the membership vote on merger. The 30-day notice must state in a clear and conspicuous fashion that a written ballot is included in the same envelope as the 30-day notice materials., (3) For purposes of facilitating the member-to-member contact described in paragraph (f) of this section, the 90-day notice must indicate the number of credit union members eligible to vote on the merger proposal and state how many members have agreed to accept communications from the credit union in electronic form. The 90-day notice must also include the information listed in paragraph (g)(9) of this section., (4) The member ballot must include:, (i) A brief description of the proposal (e.g., “Proposal: Approval of the Plan of Merger by which insert name of credit union will merge with a bank”);, (ii) Two blocks marked respectively as “FOR” and “AGAINST;” and, (iii) The following language: “A vote FOR the proposal means that you want your credit union to merge with and become a bank. A vote AGAINST the proposal means that you want your credit union to remain a credit union.” This language must be displayed in a clear and conspicuous fashion immediately beneath the FOR and AGAINST blocks., (5) The ballot may also include voting instructions and the recommendation of the board of directors (i.e., “Your Board of Directors recommends a vote FOR the Plan of Merger”) but may not include any further information without the prior written approval of the Regional Director., (c) For mergers into stock banks, an adequate description of the purpose and subject matter of the member vote on merger, as required by paragraph (b) of this section, must include:, (1) A clear and conspicuous disclosure that if the merger is approved the members will lose all of their ownership interests in the institution, including the right to vote, the right to share in the value of the institution should it be liquidated, the right to share in any extraordinary dividends, and the right to have the net worth of the institution managed in their best interests;, (2) A clear and conspicuous disclosure of any post-merger employment or consulting relationships offered by the bank to any of the credit union's directors and senior management officials and the amount of the associated compensation;, (3) A clear and conspicuous disclosure of how the merger of the credit union will affect the members' ability to obtain non-housing-related consumer loans from the bank because of the bank's obligations to satisfy statutory or regulatory lending requirements (if any). This disclosure should specify possible reductions in some kinds of loans to members;, (4) A clear and conspicuous statement of the merger value of the credit union, the total dollar amount the selected bank merger partner has agreed to pay to effect the merger, and the distribution formula the bank will use to determine each member's portion of that payment to be received upon completion of the merger., (d) For mergers into mutual banks, an adequate description of the purpose and subject matter of the member vote on merger, as required by paragraph (b) of this section, must include:, (1) A clear and conspicuous disclosure of how the merger will affect members' voting rights including whether the bank bases voting rights on account balances;, (2) A clear and conspicuous disclosure that the merger could lead to members losing all of their ownership interests in the credit union if the bank subsequently converts to a stock institution and the members do not purchase stock;, (3) A clear and conspicuous disclosure of any post-merger employment or consulting relationships offered by the bank to the credit union's directors and senior management officials and the associated compensation for each;, (4) A clear and conspicuous disclosure of how the merger of the credit union will affect the members' ability to obtain non-housing-related consumer loans from the bank because of the bank's obligations to satisfy statutory or regulatory lending requirements (if any). This disclosure should specify possible reductions in some kinds of loans to members;, (5) A clear and conspicuous statement that, at the time of merger, the bank does or does not intend to convert to a stock institution or a mutual holding company structure;, (6) A clear and conspicuous statement of the merger value of the credit union, the total dollar amount the selected bank merger partner has agreed to pay to effect the merger, and the distribution formula the bank will use to determine each member's portion of that payment to be received upon completion of the merger; and, (7) If the bank plans to add one or more of the credit union's directors to its board or employ one or more senior officials of the credit union, a clear and conspicuous statement that bank could convert to a stock bank in the future and a comparison of the opportunities available to those officials and employees to obtain stock with the opportunities available to the depositors of the bank., (e)(1) A merging credit union must provide the following disclosures in a clear and conspicuous fashion with the 90-day and 30-day notices it sends to its members regarding the merger:, (2) This text must be placed in a box, must be the only text on the front side of a single piece of paper, and must be placed so that the member will see the text after reading the credit union's cover letter but before reading any other part of the member notice. The back side of the paper must be blank. A merging credit union may modify this text only with the prior written consent of the Regional Director and, in the case of a State chartered credit union, the appropriate State regulatory agency., (f) All written communications from a merging credit union to its members regarding the merger must be written in a manner that is simple and easy to understand. Simple and easy to understand means the communications are written in plain language designed to be understood by ordinary consumers and use clear and concise sentences, paragraphs, and sections. For purposes of this part, examples of factors to be considered in determining whether a communication is in plain language and uses clear and concise sentences, paragraphs and sections include the use of short explanatory sentences; use of definite, concrete, everyday words; use of active voice; avoidance of multiple negatives; avoidance of legal and technical business terminology; avoidance of explanations that are imprecise and reasonably subject to different interpretations; and use of language that is not misleading., (g)(1) A merging credit union must mail or e-mail a requesting member's proper merger-related materials to other members eligible to vote if:, (i) A credit union's board of directors has adopted a proposal to merge;, (ii) A member makes a written request that the credit union mail or e-mail materials for the member;, (iii) The request is received by the credit union no later than 35 days after it sends out the 90-day member notice; and, (iv) The requesting member agrees to reimburse the credit union for the reasonable expenses, excluding overhead, of mailing or e-mailing the materials and also provides the credit union with an appropriate advance payment., (2) A member's request must indicate if the member wants the materials mailed or e-mailed. If a member requests that the materials be mailed, the credit union will mail the materials to all eligible voters. If a member requests the materials be e-mailed, the credit union will e-mail the materials to all members who have agreed to accept communications electronically from the credit union. The subject line of the credit union's e-mail will be “Proposed Credit Union Merger - Views of Member (insert member name).”, (3)(i) A merging credit union may, at its option, include the following statement with a member's material:, On (date), the board of directors of (name of merging credit union) adopted a proposal to merge the credit union into a bank. Credit union members who wish to express their opinions about the proposed merger to other members may provide those opinions to (name of credit union). By law, the credit union, at the requesting members' expense, must then send those opinions to the other members. The attached document represents the opinion of a member (or group of members) of this credit union. This opinion is a personal opinion and does not necessarily reflect the views of the management or directors of the credit union., (ii) A merging credit union may not add anything other than this statement to a member's material without the prior approval of the Regional Director., (4) The term “proper merger-related materials” does not include materials that:, (i) Due to size or similar reasons are impracticable to mail or e-mail;, (ii) Are false or misleading with respect to any material fact;, (iii) Omit a material fact necessary to make the statements in the material not false or misleading;, (iv) Relate to a personal claim or a personal grievance, or solicit personal gain or business advantage by or on behalf of any party;, (v) Relate to any matter, including a general economic, political, racial, religious, social, or similar cause, that is not significantly related to the proposed merger;, (vi) Directly or indirectly and without expressed factual foundation impugn a person's character, integrity, or reputation;, (vii) Directly or indirectly and without expressed factual foundation make charges concerning improper, illegal, or immoral conduct; or, (viii) Directly or indirectly and without expressed factual foundation make statements impugning the stability and soundness of the credit union., (5) If a merging credit union believes some or all of a member's request is not proper it must submit the member materials to the Regional Director within seven days of receipt. The credit union must include with its transmittal letter a specific statement of why the materials are not proper and a specific recommendation for how the materials should be modified, if possible, to make them proper. The Regional Director will review the communication, communicate with the requesting member, and respond to the credit union within seven days with a determination on the propriety of the materials. The credit union must then mail or e-mail the material to the members if so directed by NCUA., (6) A credit union must ensure that its members receive all materials that meet the requirements of § 708a.305(g) on or before the date the members receive the 30-day notice and associated ballot. If a credit union cannot meet this delivery requirement, it must postpone mailing the 30-day notice until it can deliver the member materials. If a credit union postpones the mailing of the 30-day notice, it must also postpone the special meeting by the same number of days. When the credit union has completed the delivery, it must inform the requesting member that the delivery was completed and provide the number of recipients., (7) The term “appropriate advance payment” means:, (i) For requests to mail materials to all eligible voters, a payment in the amount of 150 percent of the first class postage rate times the number of mailings, and, (ii) For requests to e-mail materials only to members that have agreed to accept electronic communications, a payment in the amount of 200 dollars., (8) If a credit union posts merger-related information or material on its Web site, then it must simultaneously make a portion of its Web site available free of charge to its members to post and share their opinions on the merger. A link to the portion of the Web site available to members to post their views on the merger must be marked “Members: Share your views on the proposed merger and see other members' views” and the link must also be visible on all pages on which the credit union posts its own merger-related information or material, as well as on the credit union's homepage. If a credit union believes a particular member submission is not proper for posting, it will provide that submission to the Regional Director for review as described in paragraph (g)(5) of this section. The credit union may also post a content-neutral disclaimer using language similar to the language in paragraph (g)(3)(i) of this section., (9) A merging credit union must inform members with the 90-day notice that if they wish to provide their opinions about the proposed merger to other members they can submit their opinions in writing to the credit union no later than 35 days from the date of the notice and the credit union will forward those opinions to other members. The 90-day notice will provide a contact at the credit union for delivery of communications, will explain that members must agree to reimburse the credit union's costs of transmitting the communication including providing an advance payment, and will refer members to this section of NCUA's rules for further information about the communication process. The credit union, at its option, may include additional factual information about the communication process with its 90-day notice., (10) A group of members may make a joint request that the credit union send its materials to other members. For purposes of paragraphs (g)(2) and (g)(3) of this section, the credit union will use the group name provided by the group., (h) If it chooses, a credit union may seek a preliminary determination from the Regional Director regarding any of the notices required under this subchapter and its proposed methods and procedures applicable to the membership merger vote. The Regional Director will make a preliminary determination regarding the notices and methods and procedures applicable to the membership vote within 30 calendar days of receipt of a credit union's request for review unless the Regional Director extends the period as necessary to request additional information or review a credit union's submission. A credit union's prior submission of any notice or proposed voting procedures does not relieve the credit union of its obligation to certify the results of the membership vote required by § 708a.307 or eliminate the right of the Regional Director to disapprove the merger if the credit union fails to conduct the membership vote in a fair and legal manner consistent with the Federal Credit Union Act and these rules.", "label": "CorporateGovernance"}
+{"text": "(a) General. Subject to § 217.400(b)(2), a company identified as a global systemically important BHC pursuant to § 217.402 must calculate its GSIB surcharge on an annual basis by December 31 of each year. For any given year, subject to paragraph (d) of this section, the GSIB surcharge is equal to the greater of:, (1) The method 1 surcharge calculated in accordance with paragraph (b) of this section; and, (2) The method 2 surcharge calculated in accordance with paragraph (c) of this section., (b) Method 1 surcharge - (1) General. The method 1 surcharge of a global systemically important BHC is the amount set forth in Table 1 of this section that corresponds to the global systemically important BHC's method 1 score, calculated pursuant to § 217.404.,
Table 1 to § 217.403 - Method 1 Surcharge, (2) Higher method 1 surcharges. To the extent that the method 1 score of a global systemically important BHC equals or exceeds 630 basis points, the method 1 surcharge equals the sum of:, (i) 4.5 percent; and, (ii) An additional 1.0 percent for each 100 basis points that the global systemically important BHC's score exceeds 630 basis points., (c) Method 2 surcharge - (1) General. The method 2 surcharge of a global systemically important BHC is the amount set forth in Table 2 of this section that corresponds to the global systemically important BHC's method 2 score, calculated pursuant to § 217.405.,
Table 2 to § 217.403: Method 2 Surcharge, (2) Higher method 2 surcharges. To the extent that the method 2 score of a global systemically important BHC equals or exceeds 1130 basis points, the method 2 surcharge equals the sum of:, (i) 6.5 percent; and, (ii) An additional 0.5 percent for each 100 basis points that the global systemically important BHC's score exceeds 1130 basis points., (d) Effective date of an adjusted GSIB surcharge - (1) Increase in GSIB surcharge. An increase in the GSIB surcharge of a global systemically important BHC will take effect (i.e., be incorporated into the maximum payout ratio under Table 1 to § 217.11) on January 1 of the year that is one full calendar year after the increased GSIB surcharge was calculated., (2) Decrease in GSIB surcharge. A decrease in the GSIB surcharge of a global systemically important BHC will take effect (i.e., be incorporated into the maximum payout ratio under Table 1 to § 217.11) on January 1 of the year immediately following the calendar year in which the decreased GSIB surcharge was calculated.", "label": "CapitalRequirements"}
+{"text": "(a) General rule. Awards will be based on rates customarily charged by persons engaged in the business of acting as attorneys, agents, and expert witnesses, even if the services were made available without charge or at a reduced rate, provided that no award under this subpart for the fee of an attorney or agent may exceed $125 per hour. No award to compensate an expert witness may exceed the highest rate at which the FDIC pays expert witnesses. An award may include the reasonable expenses of the attorney, agent, or expert witness as a separate item, if the attorney, agent, or expert witness ordinarily charges clients separately for such expenses. Fees and expenses awarded under 5 U.S.C. 504(a)(4) related to defending against an excessive demand shall be paid only as a consequence of appropriations paid in advance., (b) Determination of reasonableness of fees. In determining the reasonableness of the fee sought for an attorney, agent, or expert witness, the administrative law judge shall consider the following: , (1) If the attorney, agent, or expert witness is in private practice, his or her customary fee for like services, or, if he or she is an employee of the applicant, the fully allocated cost of the services; , (2) The prevailing rate for similar services in the community in which the attorney, agent, or expert witness ordinarily performs services; , (3) The time actually spent in the representation of the applicant; , (4) The time reasonably spent in light of the difficulty or complexity of the issues in the proceeding; and , (5) Such other factors as may bear on the value of the services provided. , (c) Awards for studies. The reasonable cost of any study, analysis, test, project, or similar matter prepared on behalf of an applicant may be awarded to the extent that the charge for the service does not exceed the prevailing rate payable for similar services, and the study or other matter was necessary for preparation of the applicant's case and not otherwise required by law or sound business or financial practice. ", "label": "ReportingAndCompliance"}
+{"text": "The regulations in this part do not, are not intended to, and should not be construed to create any right or benefit, substantive or procedural, enforceable at law, in equity, or through administrative proceeding, by any party against FHFA, the United States, its other departments, agencies, or entities, its officers, employees, or agents.", "label": "ReportingAndCompliance"}
+{"text": "(a) Management of covered positions - (1) Active management. An Enterprise must have clearly defined policies and procedures for actively managing all covered positions. At a minimum, these policies and procedures must require:, (i) Marking covered positions to market or to model on a daily basis;, (ii) Daily assessment of the Enterprise's ability to hedge position and portfolio risks, and of the extent of market liquidity;, (iii) Establishment and daily monitoring of limits on covered positions by a risk control unit independent of the business unit;, (iv) Routine monitoring by senior management of information described in paragraphs (a)(1)(i) through (iii) of this section;, (v) At least annual reassessment of established limits on positions by senior management; and, (vi) At least annual assessments by qualified personnel of the quality of market inputs to the valuation process, the soundness of key assumptions, the reliability of parameter estimation in pricing models, and the stability and accuracy of model calibration under alternative market scenarios., (2) Valuation of covered positions. The Enterprise must have a process for prudent valuation of its covered positions that includes policies and procedures on the valuation of positions, marking positions to market or to model, independent price verification, and valuation adjustments or reserves. The valuation process must consider, as appropriate, unearned credit spreads, close-out costs, early termination costs, investing and funding costs, liquidity, and model risk., (b) Requirements for internal models. (1) A risk control unit independent of the business unit must approve any internal model to calculate its risk-based capital requirement under this subpart., (2) An Enterprise must meet all of the requirements of this section on an ongoing basis. The Enterprise must promptly notify FHFA when:, (i) The Enterprise plans to extend the use of a model to an additional business line or product type;, (ii) The Enterprise makes any change to an internal model that would result in a material change in the Enterprise's risk-weighted asset amount for a portfolio of covered positions; or, (iii) The Enterprise makes any material change to its modeling assumptions., (3) FHFA may determine an appropriate capital requirement for the covered positions to which a model would apply, if FHFA determines that the model no longer complies with this subpart or fails to reflect accurately the risks of the Enterprise's covered positions., (4) The Enterprise must periodically, but no less frequently than annually, review its internal models in light of developments in financial markets and modeling technologies, and enhance those models as appropriate to ensure that they continue to meet the Enterprise's standards for model approval and employ risk measurement methodologies that are most appropriate for the Enterprise's covered positions., (5) The Enterprise must incorporate its internal models into its risk management process and integrate the internal models used for calculating its market risk measure into its daily risk management process., (6) The level of sophistication of an Enterprise's internal models must be commensurate with the complexity and amount of its covered positions. An Enterprise's internal models may use any of the generally accepted approaches, including variance-covariance models, historical simulations, or Monte Carlo simulations, to measure market risk., (7) The Enterprise's internal models must properly measure all the material risks in the covered positions to which they are applied., (8) The Enterprise's internal models must conservatively assess the risks arising from less liquid positions and positions with limited price transparency under realistic market scenarios., (9) The Enterprise must have a rigorous and well-defined process for re-estimating, re-evaluating, and updating its internal models to ensure continued applicability and relevance., (c) Control, oversight, and validation mechanisms. (1) The Enterprise must have a risk control unit that reports directly to senior management and is independent from the business units., (2) The Enterprise must validate its internal models initially and on an ongoing basis. The Enterprise's validation process must be independent of the internal models' development, implementation, and operation, or the validation process must be subjected to an independent review of its adequacy and effectiveness. Validation must include:, (i) An evaluation of the conceptual soundness of (including developmental evidence supporting) the internal models;, (ii) An ongoing monitoring process that includes verification of processes and the comparison of the Enterprise's model outputs with relevant internal and external data sources or estimation techniques; and, (iii) An outcomes analysis process that includes backtesting., (3) The Enterprise must stress test the market risk of its covered positions at a frequency appropriate to each portfolio, and in no case less frequently than quarterly. The stress tests must take into account concentration risk (including concentrations in single issuers, industries, sectors, or markets), illiquidity under stressed market conditions, and risks arising from the Enterprise's trading activities that may not be adequately captured in its internal models., (4) The Enterprise must have an internal audit function independent of business-line management that at least annually assesses the effectiveness of the controls supporting the Enterprise's market risk measurement systems, including the activities of the business units and independent risk control unit, compliance with policies and procedures, and calculation of the Enterprise's measures for spread risk under this subpart. At least annually, the internal audit function must report its findings to the Enterprise's board of directors (or a committee thereof)., (d) Internal assessment of capital adequacy. The Enterprise must have a rigorous process for assessing its overall capital adequacy in relation to its market risk., (e) Documentation. The Enterprise must adequately document all material aspects of its internal models, management and valuation of covered positions, control, oversight, validation and review processes and results, and internal assessment of capital adequacy.", "label": "RiskManagement"}
+{"text": "The Director may, in circumstances considered appropriate, require any regulated entity not subject to this part to conduct stress testing hereunder; and from time to time, issue such guidance and orders as may be necessary to facilitate implementation of this part.", "label": "ReportingAndCompliance"}
+{"text": "(a) Application of purchases and sales. Any FDIC-supervised insured depository institution that - , (1) Engages in a retail forex transaction involving the purchase of any currency for the account of any retail forex customer when the account of such retail forex customer at the time of such purchase has an open retail forex transaction for the sale of the same currency;, (2) Engages in a retail forex transaction involving the sale of any currency for the account of any retail forex customer when the account of such retail forex customer at the time of such sale has an open retail forex transaction for the purchase of the same currency;, (3) Purchases a put or call option involving foreign currency for the account of any retail forex customer when the account of such retail forex customer at the time of such purchase has a short put or call option position with the same underlying currency, strike price, and expiration date as that purchased; or, (4) Sells a put or call option involving foreign currency for the account of any retail forex customer when the account of such retail forex customer at the time of such sale has a long put or call option position with the same underlying currency, strike price, and expiration date as that sold shall:, (i) Immediately apply such purchase or sale against such previously held opposite transaction; and, (ii) Promptly furnish such retail forex customer with a statement showing the financial result of the transactions involved and the name of any introducing broker to the account., (b) Close-out against oldest open position. In all instances where the short or long position in a customer's retail forex account immediately prior to an offsetting purchase or sale is greater than the quantity purchased or sold, the FDIC-supervised insured depository institution shall apply such offsetting purchase or sale to the oldest portion of the previously held short or long position., (c) Transactions to be applied as directed by customer. Notwithstanding paragraphs (a) and (b) of this section, the offsetting transaction shall be applied as directed by a retail forex customer's specific instructions. These instructions may not be made by the FDIC-supervised insured depository institution or an IAP.", "label": "ReportingAndCompliance"}
+{"text": "(a) Covered IHC long-term debt requirement. A Covered IHC must have an outstanding eligible Covered IHC long-term debt amount that is no less than the amount equal to the greatest of:, (1) 6 percent of the Covered IHC's total risk-weighted assets;, (2) If the Covered IHC is required to maintain a minimum supplementary leverage ratio, 2.5 percent of the Covered IHC's total leverage exposure; and, (3) 3.5 percent of the Covered IHC's average total consolidated assets., (b) Outstanding eligible Covered IHC long-term debt amount. (1) A Covered IHC's outstanding eligible Covered IHC long-term debt amount is the sum of:, (i) One hundred (100) percent of the amount due to be paid of unpaid principal of the outstanding eligible Covered IHC debt securities issued by the Covered IHC in greater than or equal to 730 days (two years); and, (ii) Fifty (50) percent of the amount due to be paid of unpaid principal of the outstanding eligible Covered IHC debt securities issued by the Covered IHC in greater than or equal to 365 days (one year) and less than 730 days (two years); and, (iii) Zero (0) percent of the amount due to be paid of unpaid principal of the outstanding eligible Covered IHC debt securities issued by the Covered IHC in less than 365 days (one year). , (2) For purposes of paragraph (b)(1) of this section, the date on which principal is due to be paid on an outstanding eligible Covered IHC debt security is calculated from the earlier of:, (i) The date on which payment of principal is required under the terms governing the instrument, without respect to any right of the holder to accelerate payment of principal; and, (ii) The date the holder of the instrument first has the contractual right to request or require payment of the amount of principal, provided that, with respect to a right that is exercisable on one or more dates that are specified in the instrument only on the occurrence of an event (other than an event of a receivership, insolvency, liquidation, or similar proceeding of the Covered IHC, or a failure of the Covered IHC to pay principal or interest on the instrument when due), the date for the outstanding eligible Covered IHC debt security under this paragraph (b)(2)(ii) will be calculated as if the event has occurred., (3) After notice and response proceedings consistent with 12 CFR part 263, subpart E, the Board may order a Covered IHC to exclude from its outstanding eligible Covered IHC long-term debt amount any debt security with one or more features that would significantly impair the ability of such debt security to take losses., (c) Redemption and repurchase. Without the prior approval of the Board, a Covered IHC may not redeem or repurchase any outstanding eligible Covered IHC debt security if, immediately after the redemption or repurchase, the Covered IHC would not have an outstanding eligible Covered IHC long-term debt amount that is sufficient to meet its Covered IHC long-term debt requirement under paragraph (a) of this section.", "label": "ReportingAndCompliance"}
+{"text": "Questions have arisen as to the adequacy of statements received by lending banks under § 221.3(c), “Purpose Statement,” in the case of loans to brokers or dealers secured by margin stock where the proceeds of the loans are to be used to finance customer transactions involving the purchasing or carrying of margin stock. While some such loans may qualify for exemption under §§ 221.1(b)(2), 221.4, 221.5 or 221.6, unless they do qualify for such an exemption they are subject to this part. For example, if a loan so secured is made to a broker to furnish cash working capital for the conduct of his brokerage business (i.e., for purchasing and carrying securities for the account of customers), the maximum loan value prescribed in § 221.7 (the Supplement) would be applicable unless the loan should be of a kind exempted under this part. This result would not be affected by the fact that the margin stock given as security for the loan was or included margin stock owned by the brokerage firm. In view of the foregoing, the statement referred to in § 221.3(c) which the lending bank must accept in good faith in determining the purpose of the loan would be inadequate if the form of statement accepted or used by the bank failed to call for answers which would indicate whether or not the loan was of the kind discussed elsewhere in this section.", "label": "ReportingAndCompliance"}
+{"text": "A decision by a hearing official shall become the final decision of FHFA for the purpose of judicial review under the Administrative Procedure Act.", "label": "ReportingAndCompliance"}
+{"text": "(a) Notice to the public. Upon the issuance of a final order for removal, suspension, or debarment of an independent public accountant or accounting firm from providing audit services, the Board shall make the order publicly available and provide notice of the order to the other Federal banking agencies., (b) Notice to the Board by accountants and firms. An accountant or accounting firm that provides audit services to a banking organization must provide the Board with written notice of:, (1) Any currently effective order or other action described in § 263.402(a)(1)(vi) through (a)(1)(vii) or § 263.403(a)(2) through (a)(3); and , (2) Any currently effective action by the Public Company Accounting Oversight Board under sections 105(c)(4)(C) or (G) of the Sarbanes-Oxley Act of 2002 (15 U.S.C. 7215(c)(4)(C) or (G)). , (c) Timing of notice. Written notice required by this paragraph shall be given no later than 15 calendar days following the effective date of an order or action, or 15 calendar days before an accountant or firm accepts an engagement to provide audit services, whichever date is earlier.", "label": "ReportingAndCompliance"}
+{"text": "(a) Consolidation of members. Upon the consolidation of two or more institutions that are members of the same Bank into one institution operating under the charter of one of the consolidating institutions, the membership of the surviving institution shall continue and the membership of each disappearing institution shall terminate on the cancellation of its charter. Upon the consolidation of two or more institutions, at least two of which are members of different Banks, into one institution operating under the charter of one of the consolidating institutions, the membership of the surviving institution shall continue and the membership of each disappearing institution shall terminate upon cancellation of its charter, provided, however, that if more than 80 percent of the assets of the consolidated institution are derived from the assets of a disappearing institution, then the consolidated institution shall continue to be a member of the Bank of which that disappearing institution was a member prior to the consolidation, and the membership of the other institutions shall terminate upon the effective date of the consolidation., (b) Consolidation into nonmember - (1) In general. Upon the consolidation of a member into an institution that is not a member of a Bank, where the consolidated institution operates under the charter of the nonmember institution, the membership of the disappearing institution shall terminate upon the cancellation of its charter., (2) Notification. If a member has consolidated into a nonmember that has its principal place of business in a State in the same Bank district as the former member, the consolidated institution shall have 60 calendar days after the cancellation of the charter of the former member within which to notify the Bank of the former member that the consolidated institution intends to apply for membership in such Bank. If the consolidated institution does not so notify the Bank by the end of the period, the Bank shall require the liquidation of any outstanding indebtedness owed by the former member, shall settle all outstanding business transactions with the former member, and shall redeem or repurchase the Bank stock owned by the former member in accordance with § 1263.29., (3) Application. If such a consolidated institution has notified the appropriate Bank of its intent to apply for membership, the consolidated institution shall submit an application for membership within 60 calendar days of so notifying the Bank. If the consolidated institution does not submit an application for membership by the end of the period, the Bank shall require the liquidation of any outstanding indebtedness owed by the former member, shall settle all outstanding business transactions with the former member, and shall redeem or repurchase the Bank stock owned by the former member in accordance with § 1263.29., (4) Outstanding indebtedness. If a member has consolidated into a nonmember institution, the Bank need not require the former member or its successor to liquidate any outstanding indebtedness owed to the Bank or to redeem its Bank stock, as otherwise may be required under § 1263.29, during:, (i) The initial 60 calendar-day notification period;, (ii) The 60 calendar-day period following receipt of a notification that the consolidated institution intends to apply for membership; and, (iii) The period of time during which the Bank processes the application for membership., (5) Approval of membership. If the application of such a consolidated institution is approved, the consolidated institution shall become a member of that Bank upon the purchase of the amount of Bank stock necessary, when combined with any Bank stock acquired from the disappearing member, to satisfy the minimum stock purchase requirements established by the Bank's capital structure plan., (6) Disapproval of membership. If the Bank disapproves the application for membership of the consolidated institution, the Bank shall require the liquidation of any outstanding indebtedness owed by, and the settlement of all other outstanding business transactions with, the former member, and shall redeem or repurchase the Bank stock owned by the former member in accordance with § 1263.29., (c) Dividends on acquired Bank stock. A consolidated institution shall be entitled to receive dividends on the Bank stock that it acquires as a result of a consolidation with a member in accordance with applicable FHFA regulations.", "label": "CorporateGovernance"}
+{"text": "The applicant and agency counsel may agree on a proposed settlement of an award before the final decision on the application for award is made, either in connection with a settlement of the underlying adversary adjudication or after the underlying adversary adjudication has been concluded. If the eligible party and agency counsel agree on a proposed settlement of an award before an application for award has been filed, the application must be filed with the proposed settlement.", "label": "ReportingAndCompliance"}
+{"text": "Claimants seeking a review of the determination of claims may seek alternative dispute resolution from the Agency as receiver in lieu of a judicial determination. The Director may by order, policy statement, or directive establish alternative dispute resolution procedures for this purpose.", "label": "ReportingAndCompliance"}
+{"text": "The prohibitions of § 238.93 do not apply in the case of any one or more of the following organizations or to a subsidiary thereof:, (a) A depository organization that has been placed formally in liquidation, or which is in the hands of a receiver, conservator, or other official exercising a similar function;, (b) A corporation operating under section 25 or section 25A of the Federal Reserve Act (12 U.S.C. 601 et seq. and 12 U.S.C. 611 et seq., respectively) (Edge Corporations and Agreement Corporations);, (c) A credit union being served by a management official of another credit union;, (d) A depository organization that does not do business within the United States except as an incident to its activities outside the United States;, (e) A State-chartered savings and loan guaranty corporation;, (f) A Federal Home Loan Bank or any other bank organized solely to serve depository institutions (a bankers' bank) or solely for the purpose of providing securities clearing services and services related thereto for depository institutions and securities companies;, (g) A depository organization that is closed or is in danger of closing as determined by the appropriate Federal depository institutions regulatory agency and is acquired by another depository organization. This exemption lasts for five years, beginning on the date the depository organization is acquired;, (h)(1) A diversified savings and loan holding company (as defined in section 10(a)(1)(F) of the Home Owners' Loan Act (12 U.S.C. 1467a(a)(1)(F)) with respect to the service of a director of such company who also is a director of an unaffiliated depository organization if:, (i) Both the diversified savings and loan holding company and the unaffiliated depository organization notify their appropriate Federal depository institutions regulatory agency at least 60 days before the dual service is proposed to begin; and, (ii) The appropriate regulatory agency does not disapprove the dual service before the end of the 60-day period., (2) The Board may disapprove a notice of proposed service if it finds that:, (i) The service cannot be structured or limited so as to preclude an anticompetitive effect in financial services in any part of the United States;, (ii) The service would lead to substantial conflicts of interest or unsafe or unsound practices; or, (iii) The notificant failed to furnish all the information required by the Board., (3) The Board may require that any interlock permitted under this paragraph (h) be terminated if a change in circumstances occurs with respect to one of the interlocked depository organizations that would have provided a basis for disapproval of the interlock during the notice period; and, (i) Any savings association or any savings and loan holding company (as defined in section 10(a)(1)(D) of the Home Owners' Loan Act) which has issued stock in connection with a qualified stock issuance pursuant to section 10(q) of such Act, except that this paragraph (i) shall apply only with regard to service by a single management official of such savings association or holding company, or any subsidiary of such savings association or holding company, by a single management official of the savings and loan holding company which purchased the stock issued in connection with such qualified stock issuance, and shall apply only when the Board has determined that such service is consistent with the purposes of the Interlocks Act and the Home Owners' Loan Act.", "label": "CorporateGovernance"}
+{"text": "(a) General requirement. A covered entity must ensure that each covered QFC conforms to the requirements of §§ 252.83 and 252.84., (b) Covered entities. For purposes of this subpart, a covered entity is:, (1) A bank holding company that is identified as a global systemically important BHC pursuant to 12 CFR 217.402;, (2) A subsidiary of a company identified in paragraph (b)(1) of this section other than a subsidiary that is:, (i) A national bank, a Federal savings association, a Federal branch, a Federal agency, an FSI;, (ii) A company owned pursuant to section 3(a)(A)(ii), 4(c)(2), 4(k)(4)(H), or 4(k)(4)(I) of the Bank Holding Company Act (12 U.S.C. 1842(a)(A)(ii), 1843(c)(2), 1843(k)(4)(H), 1843(k)(4)(I));, (iii) A company owned by a depository institution in satisfaction of debt previously contracted in good faith;, (iv) A portfolio concern, as defined under 13 CFR 107.50, that is controlled by a small business investment company, as defined in section 103(3) of the Small Business Investment Act of 1958 (15 U.S.C. 662); or, (v) A company the business of which is to make investments that are designed primarily to promote the public welfare, of the type permitted under paragraph (11) of section 5136 of the Revised Statutes of the United States (12 U.S.C. 24), including the welfare of low- and moderate-income communities or families (such as providing housing, services, or jobs)); or, (3) A U.S. subsidiary, U.S. branch, or U.S. agency of a global systemically important foreign banking organization other than a U.S. subsidiary, U.S. branch, or U.S. agency that is:, (i) A national bank, a Federal savings association, a Federal branch, a Federal agency, an FSI;, (ii) A company owned pursuant to section 3(a)(A)(ii), 4(c)(2), 4(k)(4)(H), or 4(k)(4)(I) of the Bank Holding Company Act (12 U.S.C. 1842(a)(A)(ii), 1843(c)(2), 1843(k)(4)(H), 1843(k)(4)(I));, (iii) A company owned by a depository institution in satisfaction of debt previously contracted in good faith;, (iv) A portfolio concern, as defined under 13 CFR 107.50, that is controlled by a small business investment company, as defined in section 103(3) of the Small Business Investment Act of 1958 (15 U.S.C. 662);, (v) A company the business of which is to make investments that are designed primarily to promote the public welfare, of the type permitted under paragraph (11) of section 5136 of the Revised Statutes of the United States (12 U.S.C. 24), including the welfare of low- and moderate-income communities or families (such as providing housing, services, or jobs);, (vi) A section 2(h)(2) company; or, (vii) A DPC branch subsidiary., (c) Covered QFCs. For purposes of this subpart, a covered QFC is:, (1) With respect to a covered entity that is a covered entity on November 13, 2017, an in-scope QFC that the covered entity:, (i) Enters, executes, or otherwise becomes a party to on or after January 1, 2019; or, (ii) Entered, executed, or otherwise became a party to before January 1, 2019, if the covered entity or any affiliate that is a covered entity or excluded bank also enters, executes, or otherwise becomes a party to a QFC with the same person or a consolidated affiliate of the same person on or after January 1, 2019., (2) With respect to a covered entity that becomes a covered entity after November 13, 2017, an in-scope QFC that the covered entity:, (i) Enters, executes or otherwise becomes a party to on or after the later of the date the covered entity first becomes a covered entity and January 1, 2019; or, (ii) Entered, executed, or otherwise became a party to before the date identified in paragraph (c)(2)(i) of this section with respect to the covered entity, if the covered entity or any affiliate that is a covered entity or excluded bank also enters, executes, or otherwise becomes a party to a QFC with the same person or consolidated affiliate of the same person on or after the date identified in paragraph (c)(2)(i) with respect to the covered entity., (d) In-scope QFCs. An in-scope QFC is a QFC that explicitly:, (1) Restricts the transfer of a QFC (or any interest or obligation in or under, or any property securing, the QFC) from a covered entity; or, (2) Provides one or more default rights with respect to a QFC that may be exercised against a covered entity., (e) Rules of construction. For purposes of this subpart:, (1) A covered entity does not become a party to a QFC solely by acting as agent with respect to the QFC; and, (2) The exercise of a default right with respect to a covered QFC includes the automatic or deemed exercise of the default right pursuant to the terms of the QFC or other arrangement., (f) Initial applicability of requirements for covered QFCs. (1) With respect to each of its covered QFCs, a covered entity that is a covered entity on November 13, 2017 must conform the covered QFC to the requirements of this subpart by:, (i) January 1, 2019, if each party to the covered QFC is a covered entity or an excluded bank;, (ii) July 1, 2019, if each party to the covered QFC (other than the covered entity) is a financial counterparty that is not a covered entity or excluded bank; or, (iii) January 1, 2020, if a party to the covered QFC (other than the covered entity) is not described in paragraph (f)(1)(i) or (f)(1)(ii) of this section or if, notwithstanding paragraph (f)(1)(ii), a party to the covered QFC (other than the covered entity) is a small financial institution., (2) With respect to each of its covered QFCs, a covered entity that is not a covered entity on November 13, 2017 must conform the covered QFC to the requirements of this subpart by:, (i) The first day of the calendar quarter immediately following 1 year after the date the covered entity first becomes a covered entity, if each party to the covered QFC is a covered entity or an excluded bank;, (ii) The first day of the calendar quarter immediately following 18 months from the date the covered entity first becomes a covered entity if each party to the covered QFC (other than the covered entity) is a financial counterparty that is not a covered entity or excluded bank; or, (iii) The first day of the calendar quarter immediately following 2 years from the date the covered entity first becomes a covered entity if a party to the covered QFC (other than the covered entity) is not described in paragraph (f)(2)(i) or (f)(2)(ii) of this section or if, notwithstanding paragraph (f)(2)(ii), a party to the covered QFC (other than the covered entity) is a small financial institution.", "label": "ReportingAndCompliance"}
+{"text": "(a) Regulation, supervisory, oversight, examination and enforcement authority. FCA has regulatory, supervisory, oversight, examination and enforcement authority over each System institution's equity investment in or control of a UBE and the services and functions that a UBE performs for the System institution. This includes FCA's authority to require a System institution's dissolution of, disassociation from, or divestiture of an equity investment in a UBE, or to otherwise condition the approval of equity investments in UBEs., (b) Assessing UBE investments and business activity. In accordance with section 5.15 of the Act, the cost of regulating and examining System institutions' activities involving UBEs will be taken into account when assessing a System institution for the cost of administering the Act.", "label": "CorporateGovernance"}
+{"text": "(a) When one loan to a borrower is placed in nonaccrual, an institution must immediately evaluate whether its other loans to that borrower, or related borrowers, should also be placed in nonaccrual. All loans on which a borrowing entity, or a component of a borrowing entity, is primarily obligated to the reporting institution shall be considered as one loan unless a review of all pertinent facts supports a reasonable determination that a particular loan constitutes an independent credit risk and such determination is adequately documented in the loan file. , (1) A loan shall be considered an independent credit risk if a substantial portion of the loan is guaranteed as to principal and interest by a government agency. , (2) Other loans shall be considered independent credit risks if and so long as: , (i) The primary sources of repayment are independent for each loan; , (ii) The loans are not cross-collateralized; and , (iii) The principal obligors are different person(s) and/or entity(ies). Related loans will not be considered independent credit risks if the operations of a related borrower are so financially interdependent with the borrower's operations that the economic survival of one will materially affect the economic survival of the other, determined in accordance with § 614.4359(a)(2) of this chapter. , (b) If the evaluation required by paragraph (a) of this section results in a determination that the borrower's other loans with the institution do not represent an independent credit risk, and full collection of such loans is not expected, then all of the borrower's loans must be aggregated and classified as nonaccrual. If such other loans represent an independent credit risk and are fully collectible, then they may remain in their current performance category. , (c) When an institution becomes aware that a borrower has a loan that has been classified nonaccrual by any other lender, the institution must re-evaluate the credit risk in its loan to the borrower and then determine whether an independent credit risk exists. ", "label": "RiskManagement"}
+{"text": "Witnesses subpoenaed for testimony or depositions shall be paid the same fees for attendance and mileage as are paid in the United States district courts in proceedings in which the United States is a party, provided that, in the case of a discovery subpoena addressed to a party, no witness fees or mileage need be paid. Fees for witnesses shall be tendered in advance by the party requesting the subpoena, except that fees and mileage need not be tendered in advance where the Board is the party requesting the subpoena. The Board shall not be required to pay any fees to, or expenses of, any witness not subpoenaed by the Board.", "label": "ReportingAndCompliance"}
+{"text": "A copy of the offering circular, or similar document, if any, used in connection with an offering exempt from the offering circular requirement of § 390.411 by reason of § 390.412(e) or § 390.413 shall be mailed to the FDIC within 30 days after the first sale of such securities. Such copy of the offering circular, or similar document, is solely for the information of the FDIC and shall not be deemed to be “filed” with the FDIC pursuant to § 390.411. The mailing to the FDIC of such offering circular, or similar document, shall not be a pre-condition of the applicable exemption from the offering circular requirements of § 390.411.", "label": "ReportingAndCompliance"}
+{"text": "(a) No obligation shall be purchased from or discounted for and no loan shall be made or other similar financial assistance extended by a Farm Credit Bank or agricultural credit bank to an OFI if the amount of such obligation added to the aggregate liabilities of such OFI, whether direct or contingent (other than bona fide deposit liabilities), exceeds ten times the paid-in and unimpaired capital and surplus of such OFI or the amount of such liabilities permitted under the laws of the jurisdiction creating such OFI, whichever is less., (b) It shall be unlawful for any national bank that is indebted to any Farm Credit Bank or agricultural credit bank, on paper discounted or purchased, to incur any additional indebtedness, if by virtue of such additional indebtedness its aggregate liabilities, direct or contingent, will exceed the limitation described in paragraph (a) of this section.", "label": "CapitalRequirements"}
+{"text": "The records referred to in § 792.02 may be relied on, used, or cited as precedent by NCUA against a party, provided:, (a) The materials have been indexed and either made available or published; or, (b) The party has actual and timely notice of the materials' contents.", "label": "ReportingAndCompliance"}
+{"text": "(a) Filing procedures - (1) Where to file. An application by an insured state branch seeking approval to conduct activities not permissible for a federal branch, as required by § 347.212(a) of this chapter, shall be submitted in writing to the appropriate FDIC office., (2) Content of filing. A complete letter application shall include the following information:, (i) A brief description of the activity, including the manner in which it will be conducted and an estimate of the expected dollar volume associated with the activity; , (ii) An analysis of the impact of the proposed activity on the condition of the United States operations of the foreign bank in general and of the branch in particular, including a copy of the feasibility study, management plan, financial projections, business plan, or similar document concerning the conduct of the activity; , (iii) A resolution by the applicant's board of directors, or evidence of approval by senior management if a resolution is not required pursuant to the applicant's organizational documents, authorizing the filing of the application; , (iv) A statement by the applicant of whether it is in compliance with sections 347.209 and 347.210 of this chapter;, (v) A statement by the applicant that it has complied with all requirements of the Board of Governors concerning applications to conduct the activity in question and the status of each such application, including a copy of the Board of Governors' disposition of such application, if applicable; and , (vi) A statement of why the activity will pose no significant risk to the Deposit Insurance Fund. , (3) Board of Governors application. If the application to the Board of Governors contains the information required by paragraph (a) of this section, the applicant may submit a copy to the FDIC in lieu of a separate letter application. , (4) Additional information. The FDIC may request additional information to complete processing., (b) Divestiture or cessation - (1) Where to file. Divestiture plans necessitated by a change in law or other authority, as required by § 347.212(e) of this chapter, shall be submitted in writing to the appropriate FDIC office., (2) Content of filing. A complete letter application shall include the following information:, (i) A detailed description of the manner in which the applicant proposes to divest itself of or cease the activity in question; and , (ii) A projected timetable describing how long the divestiture or cessation is expected to take. , (3) Additional information. The FDIC may request additional information to complete processing. ", "label": "ReportingAndCompliance"}
+{"text": "Except as otherwise provided in § 794.150, no qualified handicapped person shall, because the agency's facilities are inaccessible to or unusable by handicapped persons, be denied the benefits of, be excluded from participation in, or otherwise be subjected to discrimination under any program or activity conducted by the agency.", "label": "ConsumerProtection"}
+{"text": "(a) The board of directors of the merging credit union must certify the results of the membership vote to the Regional Director within 14 calendar days after the vote is taken., (b) The certification must also include a statement that the notice, ballot, and other written materials provided to members were identical to those submitted to NCUA pursuant to § 708a.305. If the board cannot certify this, the board must provide copies of any new or revised materials and an explanation of the reasons for any changes., (c) The certification must include copies of any correspondence between the credit union and other regulators related to the pending merger.", "label": "ReportingAndCompliance"}
+{"text": "(a) By the Bank. A Bank shall reimburse its AHP fund in the amount of any AHP subsidies (plus interest, if appropriate) not used in compliance with the commitments in an AHP application or the requirements of this part as a result of the actions or omissions of the Bank., (b) By FHFA order. FHFA may order a Bank to reimburse its AHP fund in an appropriate amount upon determining that:, (1) The Bank has failed to reimburse its AHP fund as required under paragraph (a) of this section; or, (2) The Bank has failed to recover the full amount of AHP subsidy due from a project sponsor, project owner, or member pursuant to the requirements of §§ 1291.60 and 1291.61, and has not shown that such failure is reasonably justified, considering factors such as those in § 1291.60(c)(2)(i).", "label": "ReportingAndCompliance"}
+{"text": "(a) Disbursement of AHP direct subsidies to members. (1) A Bank may disburse AHP direct subsidies under its Homeownership Set-Aside Programs only to institutions that are members of the Bank at the time they request a draw-down of the subsidies., (2) If an institution with an approved application for AHP direct subsidy loses its membership in a Bank, the Bank may disburse AHP direct subsidies to a member of such Bank to which the institution has transferred its obligations under the approved AHP application, or the Bank may disburse AHP direct subsidies through another Bank to a member of that Bank that has assumed the institution's obligations under the approved AHP application., (b) Reservation of Homeownership Set-Aside Program subsidies. A Bank shall establish and implement policies for reservation of set-aside subsidies for households enrolled in the Bank's Homeownership Set-Aside Programs. The policies shall provide that set-aside subsidies be reserved no more than two years in advance of the Bank's time limit in its AHP Implementation Plan for draw-down and use of the subsidies by the household and the reservation of subsidies be made from the allocation for the Homeownership Set-Aside Programs for the year in which the Bank makes the reservation., (c) Progress towards use of AHP direct subsidy. A Bank shall establish and implement policies, including time limits, for determining whether progress is being made towards draw-down and use of the AHP direct subsidies by eligible households, and whether to cancel AHP application approvals for lack of such progress. If a Bank cancels any AHP application approvals due to lack of such progress, it shall make the AHP direct subsidies available for other applicants for AHP direct subsidies under the Homeownership Set-Aside Programs or for other AHP-eligible projects.", "label": "ReportingAndCompliance"}
+{"text": "(a) Covered depository institution means an insured depository institution, as such term is defined in section 3 of the Federal Deposit Insurance Act, 12 U.S.C. 1813, for which the Corporation is the appropriate Federal banking agency and that meets all of the following criteria:, (1) Has less than $5 billion in total consolidated assets as reported in its report of condition for the second calendar quarter of the preceding year;, (2) Has no foreign offices, as defined in this section;, (3) Is not required to or has not elected to use 12 CFR part 324, subpart E, to calculate its risk-based capital requirements;, (4) Is not a large institution or highly complex institution, as such terms are defined in 12 CFR 327.8, or treated as a large institution, as requested under 12 CFR 327.16(f); and, (5) Is not a state-licensed insured branch of a foreign bank, as such terms are defined in section 3(s) of the Federal Deposit Insurance Act, 12 U.S.C. 1813(s)., (6) In determining whether an insured depository institution meets the asset threshold in paragraph (1) of the definition of “covered depository institution” in paragraph (a)(1) of this section, for purposes of a report required to be submitted for calendar year 2021, an insured depository institution may refer to the lesser of its total consolidated assets as reported in its report of condition as of December 31, 2019, and its total consolidated assets as reported in its report of condition for the second calendar quarter of 2020., (b) Foreign country refers to one or more foreign nations, and includes the overseas territories, dependencies, and insular possessions of those nations and of the United States., (c) Foreign office means:, (1) A branch or consolidated subsidiary in a foreign country, unless the branch is located on a U.S. military facility;, (2) An international banking facility as such term is defined in 12 CFR 204.8;, (3) A majority-owned Edge Act or Agreement subsidiary including both its U.S. and its foreign offices; and, (4) For an institution chartered or headquartered in any U.S. state or the District of Columbia, a branch or consolidated subsidiary located in a U.S. territory or possession., (d) Report of condition means the FFIEC 031, FFIEC 041, or FFIEC 051 versions of the Consolidated Report of Condition and Income (Call Report) or the FFIEC 002 (Report of Assets and Liabilities of U.S. Branches and Agencies of Foreign Banks), as applicable, and as they may be amended or superseded from time to time in accordance with the Paperwork Reduction Act of 1995, 44 U.S.C. chapter 35., (e) Total consolidated assets means total assets as reported in an insured depository institution's report of condition.", "label": "ReportingAndCompliance"}
+{"text": "(a) Each Federal Reserve Bank is hereby authorized as fiscal agent of the Office of Finance: To perform functions with respect to the issuance of Book-entry consolidated obligations, in accordance with the terms of the applicable offering notice and with procedures established by the Office of Finance; to service and maintain Book-entry consolidated obligations in accounts established for such purposes; to make payments of principal, interest and redemption premium (if any), as directed by the Office of Finance; to effect transfer of Book-entry consolidated obligations between Participants' Securities Accounts as directed by the Participants; and to perform such other duties as fiscal agent as may be requested by the Office of Finance., (b) Each Federal Reserve Bank may issue Operating Circulars not inconsistent with this part 1270, governing the details of its handling of Book-entry consolidated obligations, Security Entitlements, and the operation of the Book-entry system under this part 1270.", "label": "ReportingAndCompliance"}
+{"text": "(a) General requirement. Except as provided in §§ 244.5 through 244.10, the sponsor of a securitization transaction must retain an eligible vertical interest or eligible horizontal residual interest, or any combination thereof, in accordance with the requirements of this section., (1) If the sponsor retains only an eligible vertical interest as its required risk retention, the sponsor must retain an eligible vertical interest in a percentage of not less than 5 percent., (2) If the sponsor retains only an eligible horizontal residual interest as its required risk retention, the amount of the interest must equal at least 5 percent of the fair value of all ABS interests in the issuing entity issued as a part of the securitization transaction, determined using a fair value measurement framework under GAAP., (3) If the sponsor retains both an eligible vertical interest and an eligible horizontal residual interest as its required risk retention, the percentage of the fair value of the eligible horizontal residual interest and the percentage of the eligible vertical interest must equal at least five., (4) The percentage of the eligible vertical interest, eligible horizontal residual interest, or combination thereof retained by the sponsor must be determined as of the closing date of the securitization transaction., (b) Option to hold base amount in eligible horizontal cash reserve account. In lieu of retaining all or any part of an eligible horizontal residual interest under paragraph (a) of this section, the sponsor may, at closing of the securitization transaction, cause to be established and funded, in cash, an eligible horizontal cash reserve account in the amount equal to the fair value of such eligible horizontal residual interest or part thereof, provided that the account meets all of the following conditions:, (1) The account is held by the trustee (or person performing similar functions) in the name and for the benefit of the issuing entity;, (2) Amounts in the account are invested only in cash and cash equivalents; and, (3) Until all ABS interests in the issuing entity are paid in full, or the issuing entity is dissolved:, (i) Amounts in the account shall be released only to:, (A) Satisfy payments on ABS interests in the issuing entity on any payment date on which the issuing entity has insufficient funds from any source to satisfy an amount due on any ABS interest; or, (B) Pay critical expenses of the trust unrelated to credit risk on any payment date on which the issuing entity has insufficient funds from any source to pay such expenses and:, (1) Such expenses, in the absence of available funds in the eligible horizontal cash reserve account, would be paid prior to any payments to holders of ABS interests; and, (2) Such payments are made to parties that are not affiliated with the sponsor; and, (ii) Interest (or other earnings) on investments made in accordance with paragraph (b)(2) of this section may be released once received by the account., (c) Disclosures. A sponsor relying on this section shall provide, or cause to be provided, to potential investors, under the caption “Credit Risk Retention”, a reasonable period of time prior to the sale of the asset-backed securities in the securitization transaction the following disclosures in written form and within the time frames set forth in this paragraph (c):, (1) Horizontal interest. With respect to any eligible horizontal residual interest held under paragraph (a) of this section, a sponsor must disclose:, (i) A reasonable period of time prior to the sale of an asset-backed security issued in the same offering of ABS interests,, (A) The fair value (expressed as a percentage of the fair value of all of the ABS interests issued in the securitization transaction and dollar amount (or corresponding amount in the foreign currency in which the ABS interests are issued, as applicable)) of the eligible horizontal residual interest that the sponsor expects to retain at the closing of the securitization transaction. If the specific prices, sizes, or rates of interest of each tranche of the securitization are not available, the sponsor must disclose a range of fair values (expressed as a percentage of the fair value of all of the ABS interests issued in the securitization transaction and dollar amount (or corresponding amount in the foreign currency in which the ABS interests are issued, as applicable)) of the eligible horizontal residual interest that the sponsor expects to retain at the close of the securitization transaction based on a range of bona fide estimates or specified prices, sizes, or rates of interest of each tranche of the securitization. A sponsor disclosing a range of fair values based on a range of bona fide estimates or specified prices, sizes or rates of interest of each tranche of the securitization must also disclose the method by which it determined any range of prices, tranche sizes, or rates of interest., (B) A description of the material terms of the eligible horizontal residual interest to be retained by the sponsor;, (C) A description of the valuation methodology used to calculate the fair values or range of fair values of all classes of ABS interests, including any portion of the eligible horizontal residual interest retained by the sponsor;, (D) All key inputs and assumptions or a comprehensive description of such key inputs and assumptions that were used in measuring the estimated total fair value or range of fair values of all classes of ABS interests, including the eligible horizontal residual interest to be retained by the sponsor., (E) To the extent applicable to the valuation methodology used, the disclosure required in paragraph (c)(1)(i)(D) of this section shall include, but should not be limited to, quantitative information about each of the following:, (1) Discount rates;, (2) Loss given default (recovery);, (3) Prepayment rates;, (4) Default rates;, (5) Lag time between default and recovery; and, (6) The basis of forward interest rates used., (F) The disclosure required in paragraphs (c)(1)(i)(C) and (D) of this section shall include, at a minimum, descriptions of all inputs and assumptions that either could have a material impact on the fair value calculation or would be material to a prospective investor's ability to evaluate the sponsor's fair value calculations. To the extent the disclosure required in this paragraph (c)(1) includes a description of a curve or curves, the description shall include a description of the methodology that was used to derive each curve and a description of any aspects or features of each curve that could materially impact the fair value calculation or the ability of a prospective investor to evaluate the sponsor's fair value calculation. To the extent a sponsor uses information about the securitized assets in its calculation of fair value, such information shall not be as of a date more than 60 days prior to the date of first use with investors; provided that for a subsequent issuance of ABS interests by the same issuing entity with the same sponsor for which the securitization transaction distributes amounts to investors on a quarterly or less frequent basis, such information shall not be as of a date more than 135 days prior to the date of first use with investors; provided further, that the balance or value (in accordance with the transaction documents) of the securitized assets may be increased or decreased to reflect anticipated additions or removals of assets the sponsor makes or expects to make between the cut-off date or similar date for establishing the composition of the asset pool collateralizing such asset-backed security and the closing date of the securitization., (G) A summary description of the reference data set or other historical information used to develop the key inputs and assumptions referenced in paragraph (c)(1)(i)(D) of this section, including loss given default and default rates;, (ii) A reasonable time after the closing of the securitization transaction:, (A) The fair value (expressed as a percentage of the fair value of all of the ABS interests issued in the securitization transaction and dollar amount (or corresponding amount in the foreign currency in which the ABS are issued, as applicable)) of the eligible horizontal residual interest the sponsor retained at the closing of the securitization transaction, based on actual sale prices and finalized tranche sizes;, (B) The fair value (expressed as a percentage of the fair value of all of the ABS interests issued in the securitization transaction and dollar amount (or corresponding amount in the foreign currency in which the ABS are issued, as applicable)) of the eligible horizontal residual interest that the sponsor is required to retain under this section; and, (C) To the extent the valuation methodology or any of the key inputs and assumptions that were used in calculating the fair value or range of fair values disclosed prior to sale and required under paragraph (c)(1)(i) of this section materially differs from the methodology or key inputs and assumptions used to calculate the fair value at the time of closing, descriptions of those material differences., (iii) If the sponsor retains risk through the funding of an eligible horizontal cash reserve account:, (A) The amount to be placed (or that is placed) by the sponsor in the eligible horizontal cash reserve account at closing, and the fair value (expressed as a percentage of the fair value of all of the ABS interests issued in the securitization transaction and dollar amount (or corresponding amount in the foreign currency in which the ABS interests are issued, as applicable)) of the eligible horizontal residual interest that the sponsor is required to fund through the eligible horizontal cash reserve account in order for such account, together with other retained interests, to satisfy the sponsor's risk retention requirement;, (B) A description of the material terms of the eligible horizontal cash reserve account; and, (C) The disclosures required in paragraphs (c)(1)(i) and (ii) of this section., (2) Vertical interest. With respect to any eligible vertical interest retained under paragraph (a) of this section, the sponsor must disclose:, (i) A reasonable period of time prior to the sale of an asset-backed security issued in the same offering of ABS interests,, (A) The form of the eligible vertical interest;, (B) The percentage that the sponsor is required to retain as a vertical interest under this section; and, (C) A description of the material terms of the vertical interest and the amount that the sponsor expects to retain at the closing of the securitization transaction., (ii) A reasonable time after the closing of the securitization transaction, the amount of the vertical interest the sponsor retained at closing, if that amount is materially different from the amount disclosed under paragraph (c)(2)(i) of this section., (d) Record maintenance. A sponsor must retain the certifications and disclosures required in paragraphs (a) and (c) of this section in its records and must provide the disclosure upon request to the Commission and its appropriate Federal banking agency, if any, until three years after all ABS interests are no longer outstanding.", "label": "ReportingAndCompliance"}
+{"text": "The FDIC shall submit past-due, legally enforceable debt information for tax refund offset to FMS, as prescribed by FMS. For each debt, the FDIC will include the following information: , (a) The name and taxpayer identification number (as defined in 26 U.S.C. 6109) of the debtor; , (b) The amount of the past-due and legally enforceable debt; , (c) The date on which the debt became past-due; and , (d) The designation of FDIC as the agency referring the debt. ", "label": "ReportingAndCompliance"}
+{"text": "(a) General. (1) An originating Board-regulated institution that has obtained a credit risk mitigant to hedge its exposure to a synthetic or traditional securitization that satisfies the operational criteria provided in § 217.41 may recognize the credit risk mitigant under §§ 217.36 or 217.37, but only as provided in this section., (2) An investing Board-regulated institution that has obtained a credit risk mitigant to hedge a securitization exposure may recognize the credit risk mitigant under §§ 217.36 or 217.37, but only as provided in this section., (b) Mismatches. A Board-regulated institution must make any applicable adjustment to the protection amount of an eligible guarantee or credit derivative as required in § 217.36(d), (e), and (f) for any hedged securitization exposure. In the context of a synthetic securitization, when an eligible guarantee or eligible credit derivative covers multiple hedged exposures that have different residual maturities, the Board-regulated institution must use the longest residual maturity of any of the hedged exposures as the residual maturity of all hedged exposures.", "label": "CapitalRequirements"}
+{"text": "An applicant seeking payment of an award granted by the NCUA Board shall submit to the NCUA's Office of Chief Financial Officer a copy of the NCUA Board's Final Decision and Order granting the award, accompanied by a statement that it will not seek review of the decision and order in the United States court. All submissions shall be addressed to the Office of Chief Financial Officer, National Credit Union Administration, 1775 Duke Street, Alexandria, VA 22314-3428. The NCUA will pay the amount awarded within 60 days after receiving the applicant's statement, unless judicial review of the award or of the underlying decision of the adversary adjudication has been sought by the applicant or any other party to the proceeding. ", "label": "ReportingAndCompliance"}
+{"text": "For purposes of this subpart, the following definitions will apply:, Affiliate means any entity established under authority granted to the Corporation under section 8.3(c)(14) of the Farm Credit Act of 1971, as amended., Asset-backed securities (ABS) mean investment securities that provide for ownership of a fractional undivided interest or collateral interests in specific assets of a trust that are sold and traded in the capital markets. For the purpose of this subpart, ABS exclude mortgage-backed securities that are defined below., Cash means cash balances held at Federal Reserve Banks, proceeds from traded-but-not-yet-settled debt, and deposit accounts at Federal Deposit Insurance Corporation-insured banks., Diversified investment fund (DIF) means an investment company registered under section 8 of the Investment Company Act of 1940., Farmer Mac, Corporation, you, and your means the Federal Agricultural Mortgage Corporation and its affiliates., FCA, our, us, or we means the Farm Credit Administration., Government-sponsored enterprise (GSE) means an entity established or chartered by the United States Government to serve public purposes specified by the United States Congress but whose debt obligations are not explicitly guaranteed by the full faith and credit of the United States Government., Long-Term Standby Purchase Commitment (LTSPC) is a commitment by Farmer Mac to purchase specified eligible loans on one or more undetermined future dates. In consideration for Farmer Mac's assumption of the credit risk on the specified loans underlying an LTSPC, Farmer Mac receives an annual commitment fee on the outstanding balance of those loans in monthly installments based on the outstanding balance of those loans., Market risk means the risk to your financial condition because the value of your holdings may decline if interest rates or market prices change. Exposure to market risk is measured by assessing the effect of changing rates and prices on either the earnings or economic value of an individual instrument, a portfolio, or the entire Corporation., Maturing obligations means maturing debt and other obligations that may be expected, such as buyouts of long-term standby purchase commitments or repurchases of agricultural mortgage securities., Mortgage-backed securities (MBS) means securities that are either:, (1) Pass-through securities or participation certificates that represent ownership of a fractional undivided interest in a specified pool of residential (excluding home equity loans), multifamily or commercial mortgages, or, (2) A multiclass security (including collateralized mortgage obligations and real estate mortgage investment conduits) that is backed by a pool of residential, multifamily or commercial real estate mortgages, pass through MBS, or other multiclass MBS., (3) This definition does not include agricultural mortgage-backed securities guaranteed by Farmer Mac itself., Non-program investments means investments other than those in:, (1) “Qualified loans” as defined in section 8.0(9) of the Farm Credit Act of 1971, as amended; or, (2) Securities collateralized by “qualified loans.”, OSMO means FCA's Office of Secondary Market Oversight., Program assets means on-balance sheet “qualified loans” as defined in section 8.0(9) of the Farm Credit Act of 1971, as amended., Program obligations means off-balance sheet “qualified loans” as defined in section 8.0(9) of the Farm Credit Act of 1971, as amended., Regulatory capital means your core capital plus an allowance for losses and guarantee claims, as determined in accordance with generally accepted accounting principles., U.S. Government agency means an instrumentality of the U.S. Government whose obligations are fully guaranteed as to the payment of principal and interest by the full faith and credit of the U.S. Government.", "label": "ReportingAndCompliance"}
+{"text": "(a) Available approaches. (1) Unless the exposure meets the requirements for a community development equity exposure in § 217.152(b)(3)(i), a Board-regulated institution must determine the risk-weighted asset amount of an equity exposure to an investment fund under the full look-through approach in paragraph (b) of this section, the simple modified look-through approach in paragraph (c) of this section, or the alternative modified look-through approach in paragraph (d) of this section., (2) The risk-weighted asset amount of an equity exposure to an investment fund that meets the requirements for a community development equity exposure in § 217.152(b)(3)(i) is its adjusted carrying value., (3) If an equity exposure to an investment fund is part of a hedge pair and the Board-regulated institution does not use the full look-through approach, the Board-regulated institution may use the ineffective portion of the hedge pair as determined under § 217.152(c) as the adjusted carrying value for the equity exposure to the investment fund. The risk-weighted asset amount of the effective portion of the hedge pair is equal to its adjusted carrying value., (b) Full look-through approach. A Board-regulated institution that is able to calculate a risk-weighted asset amount for its proportional ownership share of each exposure held by the investment fund (as calculated under this subpart E of this part as if the proportional ownership share of each exposure were held directly by the Board-regulated institution) may either:, (1) Set the risk-weighted asset amount of the Board-regulated institution's exposure to the fund equal to the product of:, (i) The aggregate risk-weighted asset amounts of the exposures held by the fund as if they were held directly by the Board-regulated institution; and, (ii) The Board-regulated institution's proportional ownership share of the fund; or, (2) Include the Board-regulated institution's proportional ownership share of each exposure held by the fund in the Board-regulated institution's IMA., (c) Simple modified look-through approach. Under this approach, the risk-weighted asset amount for a Board-regulated institution's equity exposure to an investment fund equals the adjusted carrying value of the equity exposure multiplied by the highest risk weight assigned according to subpart D of this part that applies to any exposure the fund is permitted to hold under its prospectus, partnership agreement, or similar contract that defines the fund's permissible investments (excluding derivative contracts that are used for hedging rather than speculative purposes and that do not constitute a material portion of the fund's exposures)., (d) Alternative modified look-through approach. Under this approach, a Board-regulated institution may assign the adjusted carrying value of an equity exposure to an investment fund on a pro rata basis to different risk weight categories assigned according to subpart D of this part based on the investment limits in the fund's prospectus, partnership agreement, or similar contract that defines the fund's permissible investments. The risk-weighted asset amount for the Board-regulated institution's equity exposure to the investment fund equals the sum of each portion of the adjusted carrying value assigned to an exposure class multiplied by the applicable risk weight. If the sum of the investment limits for all exposure types within the fund exceeds 100 percent, the Board-regulated institution must assume that the fund invests to the maximum extent permitted under its investment limits in the exposure type with the highest risk weight under subpart D of this part, and continues to make investments in order of the exposure type with the next highest risk weight under subpart D of this part until the maximum total investment level is reached. If more than one exposure type applies to an exposure, the Board-regulated institution must use the highest applicable risk weight. A Board-regulated institution may exclude derivative contracts held by the fund that are used for hedging rather than for speculative purposes and do not constitute a material portion of the fund's exposures.", "label": "CapitalRequirements"}
+{"text": "This subpart implements the provisions of the Change in Bank Control Act of 1978, section 7(j) of the FDI Act (12 U.S.C. 1817(j)) (CBCA), and sets forth the filing requirements and processing procedures for a notice of change in control with respect to the acquisition of control of a State nonmember bank, a State savings association, or certain parent companies of either a State nonmember bank or a State savings association.", "label": "ReportingAndCompliance"}
+{"text": "(a) Any credit union insured by the National Credit Union Share Insurance Fund (NCUSIF) must receive approval from the NCUA before purchasing loans or assuming an assignment of deposits, shares, or liabilities from:, (1) Any credit union that is not insured by the NCUSIF;, (2) Any other financial-type institution (including depository institutions, mortgage banks, consumer finance companies, insurance companies, loan brokers, and other loan sellers or liability traders); or, (3) Any successor in interest to any institution identified in paragraph (a)(1) or (a)(2) of this section., (b) Approval is not required for:, (1) Purchases of student loans or real estate secured loans to facilitate the packaging of a pool of loans to be sold or pledged on the secondary market under § 701.23(b)(1)(iii) or (iv) of this chapter or comparable state law for state-chartered credit unions, or purchases of member loans under § 701.23(b)(1)(i) of this chapter or comparable state law for state-chartered credit unions;, (2) Assumption of deposits, shares or liabilities as rollovers or transfers of member retirement accounts or in which a federally insured credit union perfects a security interest in connection with an extension of credit to any member., (3) Purchases of assets, including loans, or assumptions of deposits, shares, or liabilities by any credit union insured by the NCUSIF from another credit union insured by the NCUSIF, except a purchase or assumption as a part of a merger under part 708b; or, (4) Purchases of loan participations as defined in and meeting the requirements of § 701.22 of this chapter. , (c) A credit union seeking approval under paragraph (a) of this section must submit a request for approval to the appropriate regional director. The request must state the nature of the transaction and include copies of all relevant transaction documents. The regional director will approve or disapprove the request as soon as possible depending on the complexity of the proposed transaction. Credit unions should submit a request for approval in sufficient time to close the transaction.", "label": "ReportingAndCompliance"}
+{"text": "An Enterprise Security may be maintained in the form of a Definitive Enterprise Security or a Book-entry Enterprise Security. A Book-entry Enterprise Security shall be maintained in the Book-entry System.", "label": "ReportingAndCompliance"}
+{"text": "(a) Authority. 12 U.S.C. 1467; 1467a, 1818, 5361, 5365., (b) Purpose. This subpart establishes the requirement for a covered company to conduct stress tests. This subpart also establishes definitions of stress test and related terms, methodologies for conducting stress tests, and reporting and disclosure requirements.", "label": "RiskManagement"}
+{"text": "When used with respect to the Third Party Brokerage Arrangements (“Networking”) Exception from the definition of the term “broker” in section 3(a)(4)(B)(i) of the Act (15 U.S.C. 78c(a)(4)(B)(i)) in the context of transactions with a customer, the following terms shall have the meaning provided:, (a) Contingent on whether the referral results in a transaction means dependent on whether the referral results in a purchase or sale of a security; whether an account is opened with a broker or dealer; whether the referral results in a transaction involving a particular type of security; or whether it results in multiple securities transactions; provided, however, that a referral fee may be contingent on whether a customer:, (1) Contacts or keeps an appointment with a broker or dealer as a result of the referral; or, (2) Meets any objective, base-line qualification criteria established by the bank or broker or dealer for customer referrals, including such criteria as minimum assets, net worth, income, or marginal federal or state income tax rate, or any requirement for citizenship or residency that the broker or dealer, or the bank, may have established generally for referrals for securities brokerage accounts., (b)(1) Incentive compensation means compensation that is intended to encourage a bank employee to refer customers to a broker or dealer or give a bank employee an interest in the success of a securities transaction at a broker or dealer. The term does not include compensation paid by a bank under a bonus or similar plan that is:, (i) Paid on a discretionary basis; and, (ii) Based on multiple factors or variables and:, (A) Those factors or variables include multiple significant factors or variables that are not related to securities transactions at the broker or dealer;, (B) A referral made by the employee is not a factor or variable in determining the employee's compensation under the plan; and, (C) The employee's compensation under the plan is not determined by reference to referrals made by any other person., (2) Nothing in this paragraph (b) shall be construed to prevent a bank from compensating an officer, director or employee under a bonus or similar plan on the basis of any measure of the overall profitability or revenue of:, (i) The bank, either on a stand-alone or consolidated basis;, (ii) Any affiliate of the bank (other than a broker or dealer), or any operating unit of the bank or an affiliate (other than a broker or dealer), if the affiliate or operating unit does not over time predominately engage in the business of making referrals to a broker or dealer; or, (iii) A broker or dealer if:, (A) Such measure of overall profitability or revenue is only one of multiple factors or variables used to determine the compensation of the officer, director or employee;, (B) The factors or variables used to determine the compensation of the officer, director or employee include multiple significant factors or variables that are not related to the profitability or revenue of the broker or dealer;, (C) A referral made by the employee is not a factor or variable in determining the employee's compensation under the plan; and, (D) The employee's compensation under the plan is not determined by reference to referrals made by any other person., (c) Nominal one-time cash fee of a fixed dollar amount means a cash payment for a referral, to a bank employee who was personally involved in referring the customer to the broker or dealer, in an amount that meets any of the following standards:, (1) The payment does not exceed:, (i) Twice the average of the minimum and maximum hourly wage established by the bank for the current or prior year for the job family that includes the employee; or, (ii) 1/1000th of the average of the minimum and maximum annual base salary established by the bank for the current or prior year for the job family that includes the employee; or, (2) The payment does not exceed twice the employee's actual base hourly wage or 1/1000th of the employee's actual annual base salary; or, (3) The payment does not exceed twenty-five dollars ($25), as adjusted in accordance with paragraph (f) of this section., (d) Job family means a group of jobs or positions involving similar responsibilities, or requiring similar skills, education or training, that a bank, or a separate unit, branch or department of a bank, has established and uses in the ordinary course of its business to distinguish among its employees for purposes of hiring, promotion, and compensation., (e) Referral means the action taken by one or more bank employees to direct a customer of the bank to a broker or dealer for the purchase or sale of securities for the customer's account., (f) Inflation adjustment - (1) In general. On April 1, 2012, and on the 1st day of each subsequent 5-year period, the dollar amount referred to in paragraph (c)(3) of this section shall be adjusted by:, (i) Dividing the annual value of the Employment Cost Index For Wages and Salaries, Private Industry Workers (or any successor index thereto), as published by the Bureau of Labor Statistics, for the calendar year preceding the calendar year in which the adjustment is being made by the annual value of such index (or successor) for the calendar year ending December 31, 2006; and, (ii) Multiplying the dollar amount by the quotient obtained in paragraph (f)(1)(i) of this section., (2) Rounding. If the adjusted dollar amount determined under paragraph (f)(1) of this section for any period is not a multiple of $1, the amount so determined shall be rounded to the nearest multiple of $1.", "label": "ConsumerProtection"}
+{"text": "(a) Reports to the Board of stress test results. A covered company must report the results of the stress test required under § 238.143 to the Board in the manner and form prescribed by the Board. Such results must be submitted by April 5 of the calendar year in which the stress test is performed pursuant to § 238.143, unless that time is extended by the Board in writing., (b) Confidential treatment of information submitted. The confidentiality of information submitted to the Board under this subpart and related materials shall be determined in accordance with applicable exemptions under the Freedom of Information Act (5 U.S.C. 552(b)) and the Board's Rules Regarding Availability of Information (12 CFR part 261).", "label": "ReportingAndCompliance"}
+{"text": "Unless otherwise indicated, terms used in this part have the meanings that they have in 12 CFR part 1201 and in the Federal Housing Enterprises Financial Safety and Soundness Act (12 U.S.C. 4501 et seq.)., Core business line means a business line of the Enterprise that plausibly would continue to operate in a limited-life regulated entity, considering the purposes, mission, and authorized activities of the Enterprise as set forth in its authorizing statute and the Safety and Soundness Act. Core business line includes associated operations, services, functions, and supports necessary for any identified core business line to be continued, such as servicing, credit enhancement, securitization support, information technology support and operations, and human resources and personnel., Credible, with regard to a resolution plan, means a resolution plan that:, (1) Demonstrates consideration of required and prohibited assumptions set forth at § 1242.5(b);, (2) Provides strategic analysis and detailed information as required by § 1242.5(c) through (g) that is well-founded and based on information and data related to the Enterprise that are observable or otherwise verifiable and employ reasonable projections from current and historical conditions within the broader financial markets; and, (3) Plausibly achieves the purposes of § 1242.1(a)., Material change means an event, occurrence, change in conditions or circumstances, or other change that results in, or could reasonably be foreseen to have, a material effect on:, (1) The resolvability of the Enterprise;, (2) The Enterprise's resolution strategy; or, (3) How the Enterprise's resolution plan is implemented. Material changes may include the identification of a new core business line or significant increases or decreases in business, operations, funding, or interconnections., Rapid and orderly resolution means a process for establishing a limited-life regulated entity as successor to the Enterprise under section 1367 of the Safety and Soundness Act (12 U.S.C 4617), including transferring Enterprise assets and liabilities to the limited-life regulated entity, such that succession by the limited-life regulated entity can be accomplished promptly and in a manner that substantially mitigates the risk that the failure of the Enterprise would have serious adverse effects on national housing finance markets.", "label": "CorporateGovernance"}
+{"text": "A person who files a false claim or makes a false or fraudulent statement in a claim against the United States may be liable to a fine of not more than $10,000 or to imprisonment of not more than 5 years, or both (18 U.S.C. 287-1001), and, in addition, to a forfeiture of $2,000 and a penalty of double the loss or damage sustained by the United States (31 U.S.C. 231). ", "label": "ReportingAndCompliance"}
+{"text": "(a) Each Farm Credit institution shall adopt policies and procedures that are designed to assure that the elections of board members are conducted in an impartial manner., (b) No employee or agent of a Farm Credit institution shall take any part, directly or indirectly, in the nomination or election of members to the board of directors of a Farm Credit institution, or make any statement, either orally or in writing, which may be construed as intended to influence any vote in such nominations, or elections. This paragraph shall not prohibit employees or agents from providing biographical and other similar information or engaging in other activities pursuant to policies and procedures for nominations and elections. This paragraph does not affect the right of an employee or agent to nominate or vote for stockholder-elected directors of an institution in which the employee or agent is a voting member. , (c) No property, facilities, or resources, including information technology and human or financial resources, of any Farm Credit institution shall be used by any candidate for nomination or election or by any other person for the benefit of any candidate for nomination or election, unless the same property, facilities, or resources are simultaneously available and made known to be available for use by all declared candidates, including floor nominees. For the limited purpose of Farm Credit bank board elections, each Farm Credit bank may allow its stockholder-associations to use stockholder-association property, facilities, or resources in support of bank director candidates. Any Farm Credit bank permitting this activity by its stockholder-associations must have a policy in place approved by its board of directors establishing reasonable standards that stockholder-associations must follow, and those standards must give appropriate consideration to the various sizes of stockholder-associations within a bank's district and include a maximum amount that a stockholder-association may expend in support of a bank director candidate., (d) No director, employee, or agent of a Farm Credit institution shall, for the purpose of furthering the interests of any candidates for nomination or election, furnish or make use of records that are not made available for use by all declared candidates., (e) No Farm Credit institution may in any way distribute or mail, whether at the expense of the institution or another, any campaign materials for director candidates. Institutions may request biographical information, as well as the disclosure information required under § 611.330, from all declared candidates who certify that they are eligible, restate such information in a standard format, and distribute or mail it with ballots or proxy ballots., (f) No director of a Farm Credit institution shall, in his or her capacity as a director, make any statement, either orally or in writing, which may be construed as intending to influence any vote in that institution's director nominations or elections. This paragraph shall not prohibit director candidates from engaging in campaign activities on their own behalf.", "label": "CorporateGovernance"}
+{"text": "Agricultural credit banks are those banks created by the merger of a Farm Credit Bank and a bank for cooperatives pursuant to section 7.0 of the Act.", "label": "CapitalRequirements"}
+{"text": "(a) The purpose of this part is to set forth standards and criteria for the process an Enterprise must establish to validate and approve any credit score model that produces any credit score that the Enterprise requires in its mortgage purchase procedures and systems., (b) The validation and approval process for a credit score model includes the following phases: Solicitation of Applications, Submission of Applications and Initial Review, Credit Score Assessment, and Enterprise Business Assessment.", "label": "RiskManagement"}
+{"text": "(a) Submission of comments. For filings subject to a public notice requirement, any person may submit comments to the appropriate FDIC regional director during the comment period., (b) Comment period - (1) General. Consult appropriate subparts of this part for the comment period applicable to a particular filing., (2) Extension. The FDIC may extend or reopen the comment period if:, (i) The applicant fails to file all required information on a timely basis to permit review by the public or makes a request for confidential treatment not granted by the FDIC that delays the public availability of that information;, (ii) Any person requesting an extension of time satisfactorily demonstrates to the FDIC that additional time is necessary to develop factual information that the FDIC determines may materially affect the application; or , (iii) The FDIC determines that other good cause exists., (3) Solicitation of comments. Whenever appropriate, the appropriate regional director may solicit comments from any person or institution which might have an interest in or be affected by the pending filing., (4) Applicant response. The FDIC will provide copies of all comments received to the applicant and may give the applicant an opportunity to respond.", "label": "ReportingAndCompliance"}
+{"text": "In the sole discretion of the Board's General Counsel, the General Counsel may, prior to the issuance by the Board of a notice of assessment of civil penalty, advise the affected person that the issuance of a notice of assessment of civil penalty is being considered and the reasons and authority for the proposed assessment. The General Counsel may provide the person an opportunity to present written materials or request a conference with members of the Board's staff to show that the penalty should not be assessed or, if assessed, should be reduced in amount.", "label": "ReportingAndCompliance"}
+{"text": "The provisions of the applicable and currently effective SEC regulations under section 12(f) of the Exchange Act shall be followed as codified at 17 CFR part 240.", "label": "ReportingAndCompliance"}
+{"text": "(a) Definitions. For purposes of this section, the following definition shall apply:, U.S. person means:, (i) Any of the following:, (A) Any natural person resident in the United States;, (B) Any partnership, corporation, limited liability company, or other organization or entity organized or incorporated under the laws of any State or of the United States;, (C) Any estate of which any executor or administrator is a U.S. person (as defined under any other clause of this definition);, (D) Any trust of which any trustee is a U.S. person (as defined under any other clause of this definition);, (E) Any agency or branch of a foreign entity located in the United States;, (F) Any non-discretionary account or similar account (other than an estate or trust) held by a dealer or other fiduciary for the benefit or account of a U.S. person (as defined under any other clause of this definition);, (G) Any discretionary account or similar account (other than an estate or trust) held by a dealer or other fiduciary organized, incorporated, or (if an individual) resident in the United States; and, (H) Any partnership, corporation, limited liability company, or other organization or entity if:, (1) Organized or incorporated under the laws of any foreign jurisdiction; and, (2) Formed by a U.S. person (as defined under any other clause of this definition) principally for the purpose of investing in securities not registered under the Act; and, (ii) “U.S. person(s)” does not include:, (A) Any discretionary account or similar account (other than an estate or trust) held for the benefit or account of a person not constituting a U.S. person (as defined in paragraph (i) of this section) by a dealer or other professional fiduciary organized, incorporated, or (if an individual) resident in the United States;, (B) Any estate of which any professional fiduciary acting as executor or administrator is a U.S. person (as defined in paragraph (i) of this section) if:, (1) An executor or administrator of the estate who is not a U.S. person (as defined in paragraph (i) of this section) has sole or shared investment discretion with respect to the assets of the estate; and, (2) The estate is governed by foreign law;, (C) Any trust of which any professional fiduciary acting as trustee is a U.S. person (as defined in paragraph (i) of this section), if a trustee who is not a U.S. person (as defined in paragraph (i) of this section) has sole or shared investment discretion with respect to the trust assets, and no beneficiary of the trust (and no settlor if the trust is revocable) is a U.S. person (as defined in paragraph (i) of this section);, (D) An employee benefit plan established and administered in accordance with the law of a country other than the United States and customary practices and documentation of such country;, (E) Any agency or branch of a U.S. person (as defined in paragraph (i) of this section) located outside the United States if:, (1) The agency or branch operates for valid business reasons; and, (2) The agency or branch is engaged in the business of insurance or banking and is subject to substantive insurance or banking regulation, respectively, in the jurisdiction where located;, (F) The International Monetary Fund, the International Bank for Reconstruction and Development, the Inter-American Development Bank, the Asian Development Bank, the African Development Bank, the United Nations, and their agencies, affiliates and pension plans, and any other similar international organizations, their agencies, affiliates and pension plans., (b) In general. This part shall not apply to a securitization transaction if all the following conditions are met:, (1) The securitization transaction is not required to be and is not registered under the Securities Act of 1933 (15 U.S.C. 77a et seq.);, (2) No more than 10 percent of the dollar value (or equivalent amount in the currency in which the ABS interests are issued, as applicable) of all classes of ABS interests in the securitization transaction are sold or transferred to U.S. persons or for the account or benefit of U.S. persons;, (3) Neither the sponsor of the securitization transaction nor the issuing entity is:, (i) Chartered, incorporated, or organized under the laws of the United States or any State;, (ii) An unincorporated branch or office (wherever located) of an entity chartered, incorporated, or organized under the laws of the United States or any State; or, (iii) An unincorporated branch or office located in the United States or any State of an entity that is chartered, incorporated, or organized under the laws of a jurisdiction other than the United States or any State; and, (4) If the sponsor or issuing entity is chartered, incorporated, or organized under the laws of a jurisdiction other than the United States or any State, no more than 25 percent (as determined based on unpaid principal balance) of the assets that collateralize the ABS interests sold in the securitization transaction were acquired by the sponsor or issuing entity, directly or indirectly, from:, (i) A majority-owned affiliate of the sponsor or issuing entity that is chartered, incorporated, or organized under the laws of the United States or any State; or, (ii) An unincorporated branch or office of the sponsor or issuing entity that is located in the United States or any State., (c) Evasions prohibited. In view of the objective of these rules and the policies underlying Section 15G of the Exchange Act, the safe harbor described in paragraph (b) of this section is not available with respect to any transaction or series of transactions that, although in technical compliance with paragraphs (a) and (b) of this section, is part of a plan or scheme to evade the requirements of section 15G and this part. In such cases, compliance with section 15G and this part is required.", "label": "ReportingAndCompliance"}
+{"text": "The terms in this part have the same meaning as in FHFA's Minority and Women Inclusion Regulation at part 1223 of this chapter, as may be amended from time to time.", "label": "ReportingAndCompliance"}
+{"text": "Except as otherwise specifically provided in this subpart, the following provisions shall apply to proceedings conducted under this subpart:, (a)(1) Power of attorney and notice of appearance. Any person who is a member in good standing of the bar of the highest court of any State, possession, territory, Commonwealth, or the District of Columbia may represent others before the NCUA Board or Presiding Officer designated by the NCUA Board upon filing with the NCUA Board a written declaration that he or she is currently qualified as provided by this paragraph, and is authorized to represent the particular party on whose behalf he acts. Any other person desiring to appear before or transact business with the NCUA Board in a representative capacity may be required to file with the NCUA Board a power of attorney showing his or her authority to act in such capacity, and he or she may be required to show to the satisfaction of the NCUA Board that he or she has the requisite qualifications. Attorneys and representatives of parties to proceedings shall file a written notice of appearance with the NCUA Board or with the Presiding Officer designated by the NCUA Board., (2) Summary suspension. Contemptuous conduct by any person at an argument before the NCUA Board or at the hearing before a Presiding Officer shall be grounds for exclusion therefrom and suspension for the duration of the argument or hearing., (b)(1) Notice of hearing. Whenever a hearing within the scope of this subpart is ordered by the NCUA Board, a notice of hearing shall be given by the NCUA Board to the party afforded the hearing and to any appropriate state supervisory authority. The notice shall state the time, place, and nature of the hearing and the legal authority and jurisdiction under which the hearing is to be held, and shall contain a statement of the matters of fact or law constituting the grounds for the hearing. It shall be delivered by personal service, by registered or certified mail to the last known address, or by other appropriate means, not later than 30 nor earlier than 60 days before the hearing., (2) Party. The term “party” means a person or agency named or admitted as a party, or any person or agency who has filed a written request and is entitled as of right to be admitted as a party; but a person or agency may be admitted for a limited purpose., (c)(1) Computation of time. In computing any period of time prescribed or allowed by this subpart, the date of the act, event or default from which the designated period of time begins to run is not to be included. The last day so computed shall be included, unless it is a Saturday, Sunday or legal holiday in the District of Columbia, in which event the period shall run until the end of the next day which is neither a Saturday, Sunday, nor such legal holiday. Intermediate Saturdays, Sundays, and legal holidays shall be included in the computation unless the time within which the act is to be performed is ten days or less in which event Saturdays, Sundays, and legal holidays shall not be included., (2) Service by mail. Whenever any party has the right or is required to do some act or take some proceeding, within a period of time prescribed in this subpart, after the service upon him of any document or other paper of any kind, and such service is made by mail, three days shall be added to the prescribed period from the date when the matter served is deposited in the U.S. mail., (d) Nonpublication of submissions. Unless and until otherwise ordered by the NCUA Board, the notice of hearing, the transcript, written materials submitted during the hearing, the Presiding Officer's recommendation to the NCUA Board and any other papers filed in connection with a hearing under this subpart, shall not be made public, and shall be for the confidential use only of the NCUA Board, the Presiding Officer, the parties and appropriate authorities., (e) Remainder of board of directors. (1) If at any time, because of the suspension of one or more directors pursuant to this subpart, there shall be on the board of directors of an insured credit union less than a quorum of directors not so suspended, all powers and functions vested in or exercisable by such board shall vest in and be exercisable by the director or directors on the board not so suspended, until such time as there shall be a quorum on the board of directors., (2) In the event all of the directors of an insured credit union are suspended pursuant to this subpart, the NCUA Board shall appoint persons to serve temporarily as directors in their place pending the termination of such suspensions, or until such time as those who have been suspended cease to be directors of the credit union and their respective successors have been elected by the members at an annual or special meeting and have taken office., (3) Directors appointed temporarily by the NCUA Board pursuant to paragraph (e)(2) of this section, shall, within 30 days following their appointment, call a special meeting for the election of new directors, unless during such 30-day period - , (i) The regular annual meeting is convened; or, (ii) The suspensions giving rise to the appointment of temporary directors are terminated.", "label": "CorporateGovernance"}
+{"text": "(a) The NCUA is required by the Federal Civil Penalties Inflation Adjustment Act of 1990 (Pub. L. 101-410, 104 Stat. 890, as amended (28 U.S.C. 2461 note)), to adjust the maximum amount of each civil monetary penalty (CMP) within its jurisdiction by the rate of inflation. The following chart displays those adjusted amounts, as calculated pursuant to the statute:, (b) The adjusted amounts displayed in paragraph (a) of this section apply to civil monetary penalties that are assessed after the date the increase takes effect, including those whose associated violation or violations pre-dated the increase and occurred on or after November 2, 2015.", "label": "ReportingAndCompliance"}
+{"text": "(a) General. An originating FDIC-supervised institution that has obtained a credit risk mitigant to hedge its securitization exposure to a synthetic or traditional securitization that satisfies the operational criteria in § 324.141 may recognize the credit risk mitigant, but only as provided in this section. An investing FDIC-supervised institution that has obtained a credit risk mitigant to hedge a securitization exposure may recognize the credit risk mitigant, but only as provided in this section., (b) Collateral - (1) Rules of recognition. An FDIC-supervised institution may recognize financial collateral in determining the FDIC-supervised institution's risk-weighted asset amount for a securitization exposure (other than a repo-style transaction, an eligible margin loan, or an OTC derivative contract for which the FDIC-supervised institution has reflected collateral in its determination of exposure amount under § 324.132) as follows. The FDIC-supervised institution's risk-weighted asset amount for the collateralized securitization exposure is equal to the risk-weighted asset amount for the securitization exposure as calculated under the SSFA in § 324.144 or under the SFA in § 324.143 multiplied by the ratio of adjusted exposure amount (SE*) to original exposure amount (SE), where:, (i) SE* equals max {0, SE − C × (1− Hs − Hfx)};, (ii) SE equals the amount of the securitization exposure calculated under § 324.142(e);, (iii) C equals the current fair value of the collateral;, (iv) Hs equals the haircut appropriate to the collateral type; and, (v) Hfx equals the haircut appropriate for any currency mismatch between the collateral and the exposure., (3) Standard supervisory haircuts. Unless an FDIC-supervised institution qualifies for use of and uses own-estimates haircuts in paragraph (b)(4) of this section:, (i) An FDIC-supervised institution must use the collateral type haircuts (Hs) in Table 1 to § 324.132 of this subpart;, (ii) An FDIC-supervised institution must use a currency mismatch haircut (Hfx) of 8 percent if the exposure and the collateral are denominated in different currencies;, (iii) An FDIC-supervised institution must multiply the supervisory haircuts obtained in paragraphs (b)(3)(i) and (ii) of this section by the square root of 6.5 (which equals 2.549510); and, (iv) An FDIC-supervised institution must adjust the supervisory haircuts upward on the basis of a holding period longer than 65 business days where and as appropriate to take into account the illiquidity of the collateral., (4) Own estimates for haircuts. With the prior written approval of the FDIC, an FDIC-supervised institution may calculate haircuts using its own internal estimates of market price volatility and foreign exchange volatility, subject to § 324.132(b)(2)(iii). The minimum holding period (TM) for securitization exposures is 65 business days., (c) Guarantees and credit derivatives - (1) Limitations on recognition. An FDIC-supervised institution may only recognize an eligible guarantee or eligible credit derivative provided by an eligible guarantor in determining the FDIC-supervised institution's risk-weighted asset amount for a securitization exposure., (2) ECL for securitization exposures. When an FDIC-supervised institution recognizes an eligible guarantee or eligible credit derivative provided by an eligible guarantor in determining the FDIC-supervised institution's risk-weighted asset amount for a securitization exposure, the FDIC-supervised institution must also:, (i) Calculate ECL for the protected portion of the exposure using the same risk parameters that it uses for calculating the risk-weighted asset amount of the exposure as described in paragraph (c)(3) of this section; and, (ii) Add the exposure's ECL to the FDIC-supervised institution's total ECL., (3) Rules of recognition. An FDIC-supervised institution may recognize an eligible guarantee or eligible credit derivative provided by an eligible guarantor in determining the FDIC-supervised institution's risk-weighted asset amount for the securitization exposure as follows:, (i) Full coverage. If the protection amount of the eligible guarantee or eligible credit derivative equals or exceeds the amount of the securitization exposure, the FDIC-supervised institution may set the risk-weighted asset amount for the securitization exposure equal to the risk-weighted asset amount for a direct exposure to the eligible guarantor (as determined in the wholesale risk weight function described in § 324.131), using the FDIC-supervised institution's PD for the guarantor, the FDIC-supervised institution's LGD for the guarantee or credit derivative, and an EAD equal to the amount of the securitization exposure (as determined in § 324.142(e))., (ii) Partial coverage. If the protection amount of the eligible guarantee or eligible credit derivative is less than the amount of the securitization exposure, the FDIC-supervised institution may set the risk-weighted asset amount for the securitization exposure equal to the sum of:, (A) Covered portion. The risk-weighted asset amount for a direct exposure to the eligible guarantor (as determined in the wholesale risk weight function described in § 324.131), using the FDIC-supervised institution's PD for the guarantor, the FDIC-supervised institution's LGD for the guarantee or credit derivative, and an EAD equal to the protection amount of the credit risk mitigant; and, (B) Uncovered portion. (1) 1.0 minus the ratio of the protection amount of the eligible guarantee or eligible credit derivative to the amount of the securitization exposure); multiplied by, (2) The risk-weighted asset amount for the securitization exposure without the credit risk mitigant (as determined in §§ 324.142 through 324.146)., (4) Mismatches. The FDIC-supervised institution must make applicable adjustments to the protection amount as required in § 324.134(d), (e), and (f) for any hedged securitization exposure and any more senior securitization exposure that benefits from the hedge. In the context of a synthetic securitization, when an eligible guarantee or eligible credit derivative covers multiple hedged exposures that have different residual maturities, the FDIC-supervised institution must use the longest residual maturity of any of the hedged exposures as the residual maturity of all the hedged exposures.", "label": "CapitalRequirements"}
+{"text": "The term tax and loan account means an account, the balance of which is subject to the right of immediate withdrawal, established for receipt of payments of Federal taxes and certain United States obligations. Such accounts are not savings accounts or savings deposits.", "label": "ConsumerProtection"}
+{"text": "(a) Actions by the Director. The Director shall carry out this section by taking, at any time, one or more of the following actions with respect to a significantly undercapitalized Bank:, (1) Limit the increase in any obligations or class of obligations of the Bank, including any off-balance sheet obligations. Such limitation may be stated in an absolute dollar amount, as a percentage of current obligations or in any other form chosen by the Director;, (2) Reduce the amount of any obligations or class of obligations held by the Bank, including any off-balance sheet obligations. Such reduction may be stated in an absolute dollar amount, as a percentage of current obligations or in any other form chosen by the Director;, (3) Limit the increase in, or prohibit the growth of any asset or class of assets held by the Bank. Such limitation may be stated in an absolute dollar amount, as a percentage of current assets or in any other form chosen by the Director;, (4) Reduce the amount of any asset or class of asset held by the Bank. Such reduction may be stated in an absolute dollar amount, as a percentage of current obligations or in any other form chosen by the Director;, (5) Acquire new capital in the form and amount determined by the Director, which specifically may include requiring a Bank to increase its level of retained earnings;, (6) Modify, limit or terminate any activity of the Bank that the Director determines creates excessive risk;, (7) Take steps to improve the management at the Bank by:, (i) Ordering a new election for the Bank's board of directors in accordance with procedures established by the Director;, (ii) Dismissing particular directors or executive officers, in accordance with section 1366(b)(5)(B) of the Safety and Soundness Act (12 U.S.C. 4616(b)(5)(B)), who held office for more than 180 days immediately prior to the date on which the Bank became undercapitalized, provided further that such dismissals shall not be considered removal pursuant to an enforcement action under section 1377 of the Safety and Soundness Act (12 U.S.C. 4636a) and shall not be subject to the requirements necessary to remove an officer or director under that section; or, (iii) Ordering the Bank to hire qualified executive officers, the hiring of whom, prior to employment by the Bank and at of the option of the Director, may be subject to review and approval by the Director; or, (8)(i) Reclassify a significantly undercapitalized Bank as critically undercapitalized if:, (A) The Bank does not submit a capital restoration plan that is substantially in compliance with § 1229.11 of this part and within the time frame required;, (B) The Director does not approve the capital restoration plan submitted by the Bank; or, (C) The Director determines that the Bank has failed to make reasonable, good faith efforts to comply with its approved capital restoration plan and fulfill any schedule established by that plan., (ii) Subject to paragraph (c) of this section, the Director may reclassify a significantly undercapitalized Bank under paragraph (a)(8)(i) of this section at any time the grounds for such action exist, notwithstanding the fact that such grounds had formed the basis on which the Director reclassified a Bank from undercapitalized to significantly undercapitalized., (b) Additional safeguards. The Director may require a significantly undercapitalized Bank to take any other action not specifically listed in this section if the Director determines such action will help ensure the safe and sound operation of the Bank and the Bank's compliance with its risk-based and minimum capital requirements in a reasonable period of time more than any action specifically authorized under paragraph (a) of this section., (c) Procedures. Before finalizing any action under this section, the Director shall provide a Bank written notice describing the proposed action or actions and an opportunity to submit information that the Bank considers relevant to the Director's decision to take such action in accordance with § 1229.12 of this subpart.", "label": "CapitalRequirements"}
+{"text": "(a) Senior Examiners of State Member Banks. An officer or employee of the Federal Reserve who serves as the senior examiner of a state member bank for two or more months during the last twelve months of such individual's employment with the Federal Reserve may not, within one year after leaving the employment of the Federal Reserve, knowingly accept compensation as an employee, officer, director or consultant from - , (1) The state member bank; or, (2) Any company (including a bank holding company) that controls the state member bank., (b) Senior Examiners of Bank Holding Companies. An officer or employee of the Federal Reserve who serves as the senior examiner of a bank holding company for two or more months during the last twelve months of such individual's employment with the Federal Reserve may not, within one year of leaving the employment of the Federal Reserve, knowingly accept compensation as an employee, officer, director or consultant from - , (1) The bank holding company; or, (2) Any depository institution that is controlled by the bank holding company., (c) Senior Examiners of Foreign Banks. An officer or employee of the Federal Reserve who serves as the senior examiner of a foreign bank for two or more months during the last twelve months of such individual's employment with the Federal Reserve may not, within one year of leaving the employment of the Federal Reserve, knowingly accept compensation as an employee, officer, director or consultant from - , (1) The foreign bank; or, (2) Any branch or agency of the foreign bank located in the United States; or, (3) Any other depository institution controlled by the foreign bank., (d) Senior Examiners of Savings and Loan Holding Companies. An officer or employee of the Federal Reserve who serves as the senior examiner of a savings and loan holding company for two or more months during the last twelve months of such individual's employment with the Federal Reserve may not, within one year of leaving the employment of the Federal Reserve, knowingly accept compensation as an employee, officer, director or consultant from - , (1) The savings and loan holding company; or, (2) Any depository institution that is controlled by the savings and loan holding company. ", "label": "CorporateGovernance"}
+{"text": "(a) Filing exceptions. Within 30 days after service of the recommended decision, findings, conclusions, and proposed order under § 308.38, a party may file with the Administrative Officer written exceptions to the administrative law judge's recommended decision, findings, conclusions, or proposed order, to the admission or exclusion of evidence, or to the failure of the administrative law judge to make a ruling proposed by a party. A supporting brief may be filed at the time the exceptions are filed, either as part of the same document or in a separate document. , (b) Effect of failure to file or raise exceptions. (1) Failure of a party to file exceptions to those matters specified in paragraph (a) of this section within the time prescribed is deemed a waiver of objection thereto. , (2) No exception need be considered by the Board of Directors if the party taking exception had an opportunity to raise the same objection, issue, or argument before the administrative law judge and failed to do so. , (c) Contents. (1) All exceptions and briefs in support of such exceptions must be confined to the particular matters in, or omissions from, the administrative law judge's recommendations to which that party takes exception. , (2) All exceptions and briefs in support of exceptions must set forth page or paragraph references to the specific parts of the administrative law judge's recommendations to which exception is taken, the page or paragraph references to those portions of the record relied upon to support each exception, and the legal authority relied upon to support each exception. ", "label": "ReportingAndCompliance"}
+{"text": "The hearing official shall issue a written opinion stating his or her decision as soon as practicable, but not later than sixty (60) days after the date on which the request for such hearing was received by the FDIC. If the FDIC is unable to provide the debtor with a hearing and decision within sixty (60) days after the receipt of the request for such hearing: , (a) The FDIC may not issue a withholding order until the hearing is held and a decision rendered; or , (b) If the FDIC had previously issued a withholding order to the debtor's employer, the withholding order will be suspended beginning on the 61st day after the date the FDIC received the hearing request and continuing until a hearing is held and a decision is rendered. ", "label": "ConsumerProtection"}
+{"text": "Pursuant to 31 U.S.C. 3717, the FDIC shall assess interest, penalties and administrative costs on debts owed to the United States. The FDIC is authorized to assess interest and related charges on debts that are not subject to 31 U.S.C. 3717 to the extent authorized under the common law or other applicable statutory authority.", "label": "ReportingAndCompliance"}
+{"text": "(a) Eligibility, number and term - (1) Eligibility. No candidate for an outside director position may be a director, officer, employee, agent, or stockholder of an institution in the Farm Credit System. Farm Credit banks and associations must make a reasonable effort to select outside directors possessing some or all of the desired director qualifications identified pursuant to § 611.210(a) of this part., (2) Number. Stockholder-elected directors must constitute at least 60 percent of the members of each institution's board., (i) Each Farm Credit bank must have at least two outside directors., (ii) Associations with total assets exceeding $500 million as of January 1 of each year must have no fewer than two outside directors on the board. However, this requirement does not apply if it causes the percent of stockholder-elected directors to be less than 75 percent of the board., (iii) Associations with $500 million or less in total assets as of January 1 of each year must have at least one outside director., (3) Terms of office. Banks and associations may not establish a different term of office for outside directors than that established for stockholder-elected directors., (b) Removal. Each institution must establish and maintain procedures for removal of outside directors. When the removal of an outside director is sought before the expiration of the outside director's term, the reason for removal must be documented. An institution's director removal procedures must allow for removal of an outside director by a majority vote of all voting stockholders voting, in person or by proxy, or by a two-thirds majority vote of the full board of directors. The outside director subject to the removal action is prohibited from voting in his or her own removal action.", "label": "CorporateGovernance"}
+{"text": "(a) General. The Board shall operate each program or activity so that the program or activity, when viewed in its entirety, is readily accessible to and usable by individuals with a disability. This paragraph (a) does not: , (1) Necessarily require the Board to make each of its existing facilities accessible to and usable by individuals with a disability; or , (2) Require the Board to take any action that it can demonstrate would result in a fundamental alteration in the nature of a program or activity or in undue financial and administrative burdens. In those circumstances where the Board believes that the proposed action would fundamentally alter the program or activity or would result in undue financial and administrative burdens, the Board has the burden of proving that compliance with this paragraph (a) would result in such alterations or burdens. The decision that compliance would result in such alterations or burdens shall be made by the Board of Governors or their designee after considering all Board resources available for use in the funding and operation of the conducted program or activity, and must be accompanied by a written statement of the reasons for reaching that conclusion. If an action would result in such an alteration or such burdens, the Board shall take any other action that would not result in such an alteration or such burdens but would nevertheless ensure that individuals with a disability receive the benefits and services of the program or activity. , (b) Methods. The Board may comply with the requirements of this subpart H through such means as redesign of equipment, reassignment of services to accessible buildings, assignment of aides to individuals with a disability, home visits, delivery of service at alternate accessible sites, alteration of existing facilities and construction of new facilities, use of accessible rolling stock, or any other methods that result in making its programs or activities readily accessible to and usable by individuals with a disability. The Board is not required to make structural changes in existing facilities where other methods are effective in achieving compliance with this section. In choosing among available methods for meeting the requirements of this section, the Board shall give priority to those methods that offer programs and activities to qualified individuals with a disability in the most integrated setting appropriate. , (c) Time period for compliance. The Board shall comply with any obligations established under this section as expeditiously as possible. ", "label": "ConsumerProtection"}
+{"text": "(a) Conversion - (1) Generally. A mutual holding company may convert to the stock form in accordance with the rules and regulations set forth in subpart E of this part., (2) Exchange of subsidiary savings association or subsidiary holding company stock. Any stock issued by a subsidiary savings association, or by a subsidiary holding company pursuant to § 239.24, of a mutual holding company to persons other than the parent mutual holding company may be exchanged for the stock issued by the successor to parent mutual holding company in connection with the conversion of the parent mutual holding company to stock form. The parent mutual holding company and the subsidiary holding company must demonstrate to the satisfaction of the Board that the basis for the exchange is fair and reasonable., (3) If a subsidiary holding company or subsidiary savings association has issued shares to an entity other than the mutual holding company, the conversion of the mutual holding company to stock form may not be consummated unless a majority of the shares issued to entities other than the mutual holding company vote in favor of the conversion. This requirement applies in addition to any otherwise required account holder or shareholder votes., (b) Involuntary liquidation. (1) The Board may file a petition with the federal bankruptcy courts requesting the liquidation of a mutual holding company pursuant to 12 U.S.C. 1467a(o)(9) and title 11, United States Code, upon the occurrence of any of the following events:, (i) The default of the resulting association, any acquiree association, or any subsidiary savings association of the mutual holding company that was in the mutual form when acquired by the mutual holding company;, (ii) The default of the parent mutual holding company or its subsidiary holding company; or, (iii) Foreclosure on any pledge by the mutual holding company of subsidiary savings association stock or subsidiary holding company stock., (2) Except as provided in paragraph (b)(3) of this section, the net proceeds of any liquidation of any mutual holding company shall be transferred to the members of the mutual holding company and, if applicable, the stock holders of the subsidiary holding company in accordance with the charter of the mutual holding company and, if applicable, the charter of the subsidiary holding company., (3) If the FDIC incurs a loss as a result of the default of any subsidiary savings association of a mutual holding company and that mutual holding company is liquidated pursuant to paragraph (b)(1) of this section, the FDIC shall succeed to the membership interests of the depositors of such savings association in the mutual holding company to the extent of the FDIC's loss., (c) Voluntary liquidation. The provisions of § 239.16 shall apply to mutual holding companies.", "label": "CapitalRequirements"}
+{"text": "(a) A decision to close any portion of a meeting and to withhold information about any portion of a meeting closed pursuant to § 791.12(a) will be taken only when a majority of the entire Board votes to take such action. In deciding whether to close a meeting or any portion of a meeting or to withhold information, the Board shall independently consider whether the public interest requires an open meeting. A separate vote of the Board will be taken and recorded for each portion of a meeting to be closed to public observation pursuant to § 791.12(a) or to withhold information from the public pursuant to § 791.12(a). A single vote may be taken and recorded with respect to a series of meetings, or any portions of meetings which are proposed to be closed to the public, or with respect to any information concerning the series of meetings, so long as each meeting in the series involves the same particular matters and is scheduled to be held no more than thirty days after the initial meeting in such series. No proxies shall be allowed. , (b) Any person whose interests may be directly affected by any portion of a meeting for any of the reasons stated in § 791.12(a) (5), (6) or (7) may request that the Board close such portion of the meeting. After receiving notice of a person's desire for any specified portion of a meeting to be closed, the Board, upon a request by one member, will decide by recorded vote whether to close the relevant portion or portions of the meeting. This procedure applies to requests received either prior or subsequent to the announcement of a decision to hold an open meeting. , (c) Within one day after any vote is taken pursuant to paragraph (a) or (b) of this section, the Board shall make publicly available a written copy of the vote taken indicating the vote of each Board member. Except to the extent that such information is withheld and exempt from disclosure, for each meeting or any portion of a meeting closed to the public, the Board shall make publicly available within one day after the required vote, a written explanation of its action, together with a list of all persons expected to attend the closed meeting and their affiliation. The list of persons to attend need not include the names of individual staff, but shall state the offices of the agency expected to participate in the meeting discussions. ", "label": "CorporateGovernance"}
+{"text": "§§ 324.171 through 324.173 establish public disclosure requirements related to the capital requirements of an FDIC-supervised institution that is an advanced approaches FDIC-supervised institution.", "label": "ReportingAndCompliance"}
+{"text": "(a) Upon receipt of a request for hearing which complies with § 747.403(b), the NCUA Board shall transmit the request to the Office of Financial Institution Adjudication (“OFIA”). Such hearing shall commence no earlier than 30 days nor later than 60 days after the date the OFIA receives the request for a hearing, unless an earlier or later date is requested by the Federal credit union concerned and is granted by the NCUA Board in its discretion. , (b) Except as provided in § 747.405(b), the procedures of the Administrative Procedure Act (5 U.S.C. 554-557) and subpart A of this part will apply to the hearing., (c) Unless the Federal credit union shall appear at such hearing by a duly authorized representative it shall be deemed to have consented to the suspension or revocation of its charter and to the placing of said credit union into involuntary liquidation. ", "label": "ReportingAndCompliance"}
+{"text": "In this subpart, the following definitions shall apply: , (a) Agency means: , (1) An executive agency as defined by 5 U.S.C. 105, including the United States Postal Service and the United States Postal Rate Commission; , (2) A military department as defined in 5 U.S.C. 102; , (3) An agency or court of the judicial branch, including a court as defined in 28 U.S.C. 610, the District Court for the Northern Mariana Islands, and the Judicial Panel on Multi-district Litigation; , (4) An agency of the legislative branch, including the United States Senate and the United States House of Representatives; or , (5) Other independent establishments that are entities of the Federal Government. , (b) Disposable pay means, for an officially established pay interval, that part of current basic pay, special pay, incentive pay, retired pay, retainer pay, or, in the case of an employee not entitled to basic pay, other authorized pay, remaining after the deduction of any amount required by law to be withheld. The FCA shall allow the deductions described in 5 CFR 581.105 (b) through (f). , (c) Employee means a current employee of the FCA or other agency, including a current member of the Armed Forces or Reserve of the Armed Forces of the United States. , (d) Waiver means the cancellation, remission, forgiveness, or nonrecovery of a debt allegedly owed by an employee to the FCA or another agency as permitted or required by 5 U.S.C. 5584 or 8346(b), 10 U.S.C. 2774, 32 U.S.C. 716, or any other law. ", "label": "ReportingAndCompliance"}
+{"text": "This section applies only to loan participations as defined in paragraph (a) of this section. It does not apply to the purchase of an investment interest in a pool of loans. This section establishes the requirements a federally insured credit union must satisfy to purchase a participation in a loan. This section applies only to a federally insured credit union's purchase of a loan participation where the borrower is not a member of that credit union and where a continuing contractual obligation between the seller and purchaser is contemplated. Generally, a federal credit union's purchase of all or part of a loan made to one of its own members, subject to a limited exception for certain well capitalized federal credit unions in § 701.23(b)(2), where no continuing contractual obligation between the seller and purchaser is contemplated, is governed by § 701.23 of this part. Federally insured state-chartered credit unions are required by § 741.225 of this chapter to comply with the loan participation requirements of this section. This section does not apply to corporate credit unions, as that term is defined in § 704.2 of this chapter., (a) For purposes of this section, the following definitions apply:, Associated borrower means any other person or entity with a shared ownership, investment, or other pecuniary interest in a business or commercial endeavor with the borrower. This means any person or entity named as a borrower or debtor in a loan or extension of credit, or any other person or entity, such as a drawer, endorser, or guarantor, engaged in a common enterprise with the borrower, or deriving a direct benefit from the loan to the borrower. Exceptions to this definition for partnerships, joint ventures and associations are as follows:, (1) If the borrower is a partnership, joint venture or association, and the other person with a shared ownership, investment, or other pecuniary interest in a business or commercial endeavor with the borrower is a member or partner of the borrower, and neither a direct benefit nor a common enterprise exists, such other person is not an associated borrower., (2) If the borrower is a member or partner of a partnership, joint venture, or association, and the other entity with a shared ownership, investment, or other pecuniary interest in a business or commercial endeavor with the borrower is the partnership, joint venture, or association and the borrower is a limited partner of that other entity, and by the terms of a partnership or membership agreement valid under applicable law, the borrower is not held generally liable for the debts or actions of that other entity, such other entity is not an associated borrower., (3) If the borrower is a member or partner of a partnership, joint venture, or association, and the other person with a shared ownership, investment, or other pecuniary interest in a business or commercial endeavor with the borrower is another member or partner of the partnership, joint venture, or association, and neither a direct benefit nor a common enterprise exists, such other person is not an associated borrower., Common enterprise means:, (1) The expected source of repayment for each loan or extension of credit is the same for each borrower and no individual borrower has another source of income from which the loan (together with the borrower's other obligations) may be fully repaid. An employer will not be treated as a source of repayment because of wages and salaries paid to an employee, unless the standards described in paragraph (2) are met;, (2) Loans or extensions of credit are made:, (i) To borrowers who are related directly or indirectly through common control, including where one borrower is directly or indirectly controlled by another borrower; and, (ii) Substantial financial interdependence exists between or among the borrowers. Substantial financial interdependence means 50 percent or more of one borrower's gross receipts or gross expenditures (on an annual basis) are derived from transactions with another borrower. Gross receipts and expenditures include gross revenues or expenses, intercompany loans, dividends, capital contributions, and similar receipts or payments; or, (3) Separate borrowers obtain loans or extensions of credit to acquire a business enterprise of which those borrowers will own more than 50 percent of the voting securities or voting interests., Control means a person or entity directly or indirectly, or acting through or together with one or more persons or entities:, (1) Owns, controls, or has the power to vote 25 percent or more of any class of voting securities of another person or entity;, (2) Controls, in any manner, the election of a majority of the directors, trustees, or other persons exercising similar functions of another person or entity; or, (3) Has the power to exercise a controlling influence over the management or policies of another person or entity. , Credit union means any federal or state-chartered credit union., Credit union organization means any credit union service organization meeting the requirements of part 712 of this chapter. This term does not include trade associations or membership organizations principally composed of credit unions., Direct benefit means the proceeds of a loan or extension of credit to a borrower, or assets purchased with those proceeds, that are transferred to another person or entity, other than in a bona fide arm's-length transaction where the proceeds are used to acquire property, goods, or services. , Eligible organization means a credit union, credit union organization, or financial organization., Financial organization means any federally chartered or federally insured financial institution; and any state or federal government agency and its subdivisions., Loan participation means a loan where one or more eligible organizations participate pursuant to a written agreement with the originating lender, and the written agreement requires the originating lender's continuing participation throughout the life of the loan., Originating lender means the participant with which the borrower initially or originally contracts for a loan and who, thereafter or concurrently with the funding of the loan, sells participations to other lenders., (b) A federally insured credit union may purchase a participation interest in a loan from an eligible organization only if the loan is one the purchasing credit union is empowered to grant and the following additional conditions are satisfied:, (1) The purchase complies with all regulatory requirements to the same extent as if the purchasing federally insured credit union had originated the loan, including, for example, the loans-to-one-borrower provisions in § 701.21(c)(5) of this part for federal credit unions and § 723.4 of the member business loans rule in part 723 of this chapter for all federally insured credit unions;, (2) The purchasing federally insured credit union has executed a written loan participation agreement with the originating lender and the agreement meets the minimum requirements for a loan participation agreement as described in paragraph (d) of this section;, (3) The originating lender retains an interest in each participated loan. If the originating lender is a federal credit union, the retained interest must be at least 10 percent of the outstanding balance of the loan through the life of the loan. If the originating lender is any other type of eligible organization, the retained interest must be at least 5 percent of the outstanding balance of the loan through the life of the loan, unless a higher percentage is required under applicable state law;, (4) The borrower becomes a member of one of the participating credit unions before the purchasing federally insured credit union purchases a participation interest in the loan; and, (5) The purchase complies with the purchasing federally insured credit union's internal written loan participation policy, which, at a minimum, must:, (i) Establish underwriting standards for loan participations;, (ii) Establish a limit on the aggregate amount of loan participations that may be purchased from any one originating lender, not to exceed the greater of $5,000,000 or 100 percent of the federally insured credit union's net worth, unless this amount is waived by the appropriate regional director, and, in the case of a federally insured state-chartered credit union, with prior written concurrence of the appropriate state supervisory authority;, (iii) Establish limits on the amount of loan participations that may be purchased by each loan type, not to exceed a specified percentage of the federally insured credit union's net worth; and, (iv) Establish a limit on the aggregate amount of loan participations that may be purchased with respect to a single borrower, or group of associated borrowers, not to exceed 15 percent of the federally insured credit union's net worth, unless waived by the appropriate regional director, and, in the case of a federally insured state-chartered credit union, with prior written concurrence of the appropriate state supervisory authority., (c) To seek a waiver from any of the limitations in paragraph (b) of this section, a federally insured credit union must submit a written request to its regional director with a full and detailed explanation of why it is requesting the waiver. Within 45 calendar days of receipt of a completed waiver request, including all necessary supporting documentation and, if appropriate, any written concurrence, the regional director will provide the federally insured credit union a written response. The regional director's decision will be based on safety and soundness and other considerations; however, the regional director will not grant a waiver to a federally insured State-chartered credit union without the prior written concurrence of the appropriate State supervisory authority. A federally insured credit union may request the regional director to reconsider a denied waiver request and/or file an appeal with the NCUA Board in accordance with the procedures set forth in subpart B to part 746 of this chapter., (d) A loan participation agreement must:, (1) Be properly executed by authorized representatives of all parties under applicable law;, (2) Be properly authorized by the federally insured credit union's board of directors or, if the board has so delegated in its policy, a designated committee or senior management official, under the federally insured credit union's bylaws and all applicable law;, (3) Be retained in the federally insured credit union's office (original or copies); and, (4) Include provisions which, at a minimum, address the following:, (i) Prior to purchase, the identification of the specific loan participation(s) being purchased, either directly in the agreement or through a document which is incorporated by reference into the agreement;, (ii) The interest that the originating lender will retain in the loan to be participated. If the originating lender is a federal credit union, the retained interest must be at least 10 percent of the outstanding balance of the loan through the life of the loan. If the originating lender is any other type of eligible organization, the retained interest must be at least 5 percent of the outstanding balance of the loan through the life of the loan, unless a higher percentage is required under state law;, (iii) The location and custodian for original loan documents;, (iv) An explanation of the conditions under which parties to the agreement can gain access to financial and other performance information about a loan, the borrower, and the servicer so the parties can monitor the loan;, (v) An explanation of the duties and responsibilities of the originating lender, servicer, and participants with respect to all aspects of the participation, including servicing, default, foreclosure, collection, and other matters involving the ongoing administration of the loan; and, (vi) Circumstances and conditions under which participants may replace the servicer., (e) Temporary regulatory relief in response to COVID-19. Notwithstanding paragraph (b)(5)(ii) of this section, during the period commencing on April 21, 2020 and concluding on December 31, 2022, the aggregate amount of loan participations that may be purchased from any one originating lender shall not exceed the greater of $5,000,000 or 200 percent of the federally insured credit union's net worth.", "label": "CapitalRequirements"}
+{"text": "(a) General. If the Director determines that an Enterprise did not comply with, or there is a substantial probability that an Enterprise will not comply with, the duty to serve a particular underserved market in a given year, the Director may require the Enterprise to submit a housing plan for approval by the Director., (b) Nature of housing plan. If the Director requires a housing plan, the housing plan must:, (1) Be feasible;, (2) Be sufficiently specific to enable the Director to monitor compliance periodically;, (3) Describe the specific actions that the Enterprise will take:, (i) To comply with the duty to serve a particular underserved market for the next calendar year; or, (ii) To make such improvements and changes in its operations as are reasonable in the remainder of the year, if the Director determines that there is a substantial probability that the Enterprise will fail to comply with the duty to serve a particular underserved market in such year; and, (4) Address any additional matters relevant to the housing plan as required, in writing, by the Director., (c) Deadline for submission. The Enterprise must submit the housing plan to the Director within 45 days after issuance of a notice requiring the Enterprise to submit a housing plan. The Director may extend the deadline for submission of a housing plan, in writing and for a time certain, to the extent the Director determines an extension is necessary., (d) Review of housing plans. The Director will review and approve or disapprove housing plans in accordance with 12 U.S.C. 4566(c)(4) and (c)(5)., (e) Resubmission. If the Director disapproves an initial housing plan submitted by an Enterprise, the Enterprise must submit an amended housing plan acceptable to the Director not later than 15 days after the Director's disapproval of the initial housing plan. The Director may extend the deadline if the Director determines that an extension is in the public interest. If the amended housing plan is not acceptable to the Director, the Director may afford the Enterprise 15 days to submit a new housing plan.", "label": "ConsumerProtection"}
+{"text": "(a) Any application to the ALJ for an order or ruling must be by motion. Motions must state the relief sought, the authority relied upon, and the facts alleged, and must be filed with the ALJ and served on all other parties. Motions may include, without limitation, motions for summary judgment. , (b) Except for motions made during a prehearing conference or at the hearing, all motions must be in writing. The ALJ may require that oral motions be reduced to writing. , (c) Within 15 days after a written motion is served, or any other time as may be fixed by the ALJ, any party may file a response to such motion. , (d) The ALJ may not grant a written motion before the time for filing responses thereto has expired, except upon consent of the parties or following a hearing on the motion, but may overrule or deny such motion without awaiting a response. , (e) The ALJ will make a reasonable effort to dispose of all outstanding motions prior to the beginning of the hearing. ", "label": "ReportingAndCompliance"}
+{"text": "(a) The requirements of § 238.11(a), (b), (d), (e) and (f) do not apply to:, (1) Control of a savings association acquired by devise under the terms of a will creating a trust which is excluded from the definition of savings and loan holding company;, (2) Control of a savings association acquired in connection with a reorganization that involves solely the acquisition of control of that association by a newly formed company that is controlled by the same acquirors that controlled the savings association for the immediately preceding three years, and entails no other transactions, such as an assumption of the acquirors' debt by the newly formed company: Provided, that the acquirors have filed the designated form with the appropriate Reserve Bank and have provided all additional information requested by the Board or Reserve Bank, and the Board nor the appropriate Reserve Bank object to the acquisition within 30 days of the filing date;, (3) Control of a savings association acquired by a bank holding company that is registered under and subject to, the Bank Holding Company Act of 1956, or any company controlled by such bank holding company;, (4) Control of a savings association acquired solely as a result of a pledge or hypothecation of stock to secure a loan contracted for in good faith or the liquidation of a loan contracted for in good faith, in either case where such loan was made in the ordinary course of the business of the lender: Provided, further, That acquisition of control pursuant to such pledge, hypothecation or liquidation is reported to the Board within 30 days, and Provided, further, That the acquiror shall not retain such control for more than one year from the date on which such control was acquired; however, the Board may, upon application by an acquiror, extend such one-year period from year to year, for an additional period of time not exceeding three years, if the Board finds such extension is warranted and would not be detrimental to the public interest;, (5) Control of a savings association acquired through a percentage increase in stock ownership following a pro rata stock dividend or stock split, if the proportional interests of the recipients remain substantially the same;, (6) Acquisitions of up to twenty-five percent (25%) of a class of stock by a tax-qualified employee stock benefit plan; and, (7) Acquisitions of up to 15 percent of the voting stock of any savings association by a savings and loan holding company (other than a bank holding company) in connection with a qualified stock issuance if such acquisition is approved by the Board pursuant to subpart E., (b) The requirements of § 238.11(c) do not apply to voting shares of a savings association or of a savings and loan holding company - , (1) Held as a bona fide fiduciary (whether with or without the sole discretion to vote such shares);, (2) Held temporarily pursuant to an underwriting commitment in the normal course of an underwriting business;, (3) Held in an account solely for trading purposes or over which no control is held other than control of voting rights acquired in the normal course of a proxy solicitation;, (4) Acquired in securing or collecting a debt previously contracted in good faith, for two years after the date of acquisition or for such additional time (not exceeding three years) as the Board may permit if, in the Board's judgment, such an extension would not be detrimental to the public interest;, (5) Acquired under section 13(k)(1)(A)(i) of the Federal Deposit Insurance Act (or section 408(m) of the National Housing Act as in effect immediately prior to the enactment of the Financial Institutions Reform, Recovery and Enforcement Act of 1989);, (6) Held by any insurance companies as defined in section 2(a)(17) of the Investment Company Act of 1940: Provided, That all shares held by all insurance company affiliates of such savings association or savings and loan holding company may not, in the aggregate, exceed five percent of all outstanding shares or of the voting power of the savings association or savings and loan holding company, and such shares are not acquired or retained with a view to acquiring, exercising, or transferring control of the savings association or savings and loan holding company; and, (7) Acquired pursuant to a qualified stock issuance if such a purchase is approved pursuant to subpart E of this part., (c) The aggregate amount of shares held under paragraph (b) of this section (other than pursuant to paragraphs (b)(1) through (4) and (b)(6)) may not exceed 15 percent of all outstanding shares or the voting power of a savings association or savings and loan holding company., (d) Acquisitions involving savings association mergers and internal corporate reorganizations. The requirements of § 238.11 do not apply to:, (1) Certain transactions subject to the Bank Merger Act. The acquisition by a savings and loan holding company of shares of a savings association or company controlling a savings association or the merger of a company controlling a savings association with the savings and loan holding company, if the transaction is part of the merger or consolidation of the savings association with a subsidiary savings association (other than a nonoperating subsidiary savings association) of the acquiring savings and loan holding company, or is part of the purchase of substantially all of the assets of the savings association by a subsidiary savings association (other than a nonoperating subsidiary savings association) of the acquiring savings and loan holding company, and if:, (i) The savings association merger, consolidation, or asset purchase occurs simultaneously with the acquisition of the shares of the savings association or savings and loan holding company or the merger of holding companies, and the savings association is not operated by the acquiring savings and loan holding company as a separate entity other than as the survivor of the merger, consolidation, or asset purchase;, (ii) The transaction requires the prior approval of a federal supervisory agency under the Bank Merger Act (12 U.S.C. 1828(c));, (iii) The transaction does not involve the acquisition of any company that would require prior notice or approval under section 10(c) of the HOLA;, (iv) The transaction does not involve a depository institution organized in mutual form, a savings and loan holding company organized in mutual form, a subsidiary holding company of a savings and loan holding company organized in mutual form, or a bank holding company organized in mutual form;, (v) The transaction will not have a material adverse impact on the financial condition of the acquiring savings and loan holding company;, (vi) At least 10 days prior to the transaction, the acquiring savings and loan holding company has provided to the Reserve Bank written notice of the transaction that contains:, (A) A copy of the filing made to the appropriate federal banking agency under the Bank Merger Act; and, (B) A description of the holding company's involvement in the transaction, the purchase price, and the source of funding for the purchase price; and, (vii) Prior to expiration of the period provided in paragraph (d)(1)(vi) of this section, neither the Board nor the Reserve Bank has informed the savings and loan holding company that an application under § 238.11 is required., (2) Internal corporate reorganizations. (i) Subject to paragraph (d)(2)(ii) of this section, any of the following transactions performed in the United States by a savings and loan holding company:, (A) The merger of holding companies that are subsidiaries of the savings and loan holding company;, (B) The formation of a subsidiary holding company; 1, 1 In the case of a transaction that results in the formation or designation of a new savings and loan holding company, the new savings and loan holding company must complete the registration requirements described in section 238.11., (C) The transfer of control or ownership of a subsidiary savings association or a subsidiary holding company between one subsidiary holding company and another subsidiary holding company or the savings and loan holding company., (ii) A transaction described in paragraph (d)(2)(i) of this section qualifies for this exception if - , (A) The transaction represents solely a corporate reorganization involving companies and insured depository institutions that, both preceding and following the transaction, are lawfully controlled and operated by the savings and loan holding company;, (B) The transaction does not involve the acquisition of additional voting shares of an insured depository institution that, prior to the transaction, was less than majority owned by the savings and loan holding company;, (C) The transaction does not involve a savings and loan holding company organized in mutual form, a subsidiary holding company of a savings and loan holding company organized in mutual form, or a bank holding company organized in mutual form; and, (D) The transaction will not have a material adverse impact on the financial condition of the holding company.", "label": "CorporateGovernance"}
+{"text": "(a) Since the Board and the Committee qualifies for the use of expedited procedures under subsection (d)(4) of the Act, meetings or portions thereof exempt under paragraph (a)(4), (a)(8), (a)(9)(i) or (a)(10) of § 261b.5 of this part, will be closed to public observation under the expedited procedures of this section. Following are examples of types of items that, absent compelling contrary circumstances, will qualify for these exemptions: Matters relating to a specific bank or bank holding company, such as bank branches or mergers, bank holding company formations, or acquisition of an additional bank or acquisition or de novo undertaking of a permissible nonbanking activity; matters relating to a specific savings and loan holding company or its subsidiaries, such as acquisitions, reorganizations, savings and loan holding company formations, conversions, or acquisition or de novo undertaking of a permissible activity; bank regulatory matters, such as applications for membership, issuance of capital notes and investment in bank premises; foreign banking matters; bank supervisory and enforcement matters, such as cease-and-desist and officer removal proceedings; monetary policy matters, such as discount rates, use of the discount window, changes in the limitations on payment of interest on time and savings accounts, and changes in reserve requirements or margin regulations., (b) At the beginning of each meeting, a portion or portions of which is closed to public observation under expedited procedures pursuant to this section, a recorded vote of the members present will be taken to determine whether a majority of the members of the agency votes to close such meeting of portions of such meeting to public observation. , (c) A copy of the vote, reflecting the vote of each member, and except to the extent such information is determined to be exempt from disclosure under § 261b.5, a public announcement of the time, place and subject matter of the meeting or each closed portion thereof, will be made available at the earliest practicable time at the Board's Public Affairs Office and Freedom of Information Office.", "label": "CorporateGovernance"}
+{"text": "(a) Collection of margin. A covered swap entity shall collect initial margin with respect to any non-cleared swap or non-cleared security-based swap from a counterparty that is a financial end user with material swaps exposure or that is a swap entity in an amount that is no less than the greater of:, (1) Zero; or, (2) The initial margin collection amount for such non-cleared swap or non-cleared security-based swap less the initial margin threshold amount (not including any portion of the initial margin threshold amount already applied by the covered swap entity or its affiliates to other non-cleared swaps or non-cleared security-based swaps with the counterparty or its affiliates), as applicable., (b) Posting of margin. A covered swap entity shall post initial margin with respect to any non-cleared swap or non-cleared security-based swap to a counterparty that is a financial end user with material swaps exposure. Such initial margin shall be in an amount at least as large as the covered swap entity would be required to collect under paragraph (a) of this section if it were in the place of the counterparty., (c) Timing. A covered swap entity shall comply with the initial margin requirements described in paragraphs (a) and (b) of this section on each business day, for a period beginning on or before the business day following the day of execution and ending on the date the non-cleared swap or non-cleared security-based swap terminates or expires., (d) Other counterparties. A covered swap entity is not required to collect or post initial margin with respect to any non-cleared swap or non-cleared security-based swap described in § 237.1(d). For any other non-cleared swap or non-cleared security-based swap between a covered swap entity and a counterparty that is neither a financial end user with a material swaps exposure nor a swap entity, the covered swap entity shall collect initial margin at such times and in such forms and such amounts (if any), that the covered swap entity determines appropriately addresses the credit risk posed by the counterparty and the risks of such non-cleared swap or non-cleared security-based swap.", "label": "RiskManagement"}
+{"text": "(a) Mandatory provisions. Each of the provisions mandatory for all stock issuance plans under this paragraph (a) shall be deemed regulatory requirements. Each Stock Issuance Plan shall contain a complete description of all significant terms of the proposed stock issuance (including the information specified in § 239.65(f) to the extent known), shall attach and incorporate the proposed form of stock certificate, the proposed stock order form, and any agreements or other documents defining the rights of the stockholders, and shall:, (1) Provide that the stock shall be sold at a total price equal to the estimated pro forma market value of such stock, based upon an independent valuation;, (2) Provide that the aggregate amount of outstanding common stock of the subsidiary holding company owned or controlled by persons other than the subsidiary holding company's mutual holding company parent at the close of the proposed issuance shall be less than fifty percent of the subsidiary holding company's total outstanding common stock (This provision may be omitted if the proposed issuance will be conducted by a subsidiary holding company that was in the stock form when acquired by its mutual holding company parent);, (3) Provide that all employee stock ownership plans or other tax-qualified employee stock benefit plans (collectively, ESOPs) must not encompass, in the aggregate, more than either 4.9 percent of the outstanding shares of the subsidiary holding company's common stock or 4.9 percent of the subsidiary holding company's stockholders' equity at the close of the proposed issuance;, (4) Provide that all ESOPs and management recognition plans (MRPs) must not encompass, in the aggregate, more than either 4.9 percent of the outstanding shares of the subsidiary holding company's common stock or 4.9 percent of the subsidiary holding company's stockholders' equity at the close of the proposed issuance. However, if the subsidiary holding company's tangible capital equals at least ten percent at the time of implementation of the plan, the Board may permit such ESOPs and MRPs to encompass, in the aggregate, up to 5.88 percent of the outstanding common stock or stockholders' equity at the close of the proposed issuance;, (5) Provide that all MRPs must not encompass, in the aggregate, more than either 1.47 percent of the common stock of the subsidiary holding company or 1.47 percent of the subsidiary holding company's stockholders' equity at the close of the proposed issuance. However, if the subsidiary holding company's tangible capital is at least ten percent at the time of implementation of the plan, the Board may permit MRPs to encompass, in the aggregate, up to 1.96 percent of the outstanding shares of the subsidiary holding company's common stock or 1.96 percent of the savings subsidiary holding company's stockholders' equity at the close of the proposed issuance;, (6) Provide that all stock option plans (Option Plans) must not encompass, in the aggregate, more than either 4.9 percent of the subsidiary holding company's outstanding common stock at the close of the proposed issuance or 4.9 percent of the subsidiary holding company's stockholders' equity at the close of the proposed issuance;, (7) Provide that an ESOP, a MRP or an Option Plan modified or adopted no earlier than one year after the close of: the proposed issuance, or any subsequent issuance that is made in substantial conformity with the purchase priorities § 239.59(a) set forth in subpart E of this part, may exceed the percentage limitations contained in paragraphs (a)(3) through (6) of this section (plan expansion), subject to the following two requirements. First, all common stock awarded in connection with any plan expansion must be acquired for such awards in the secondary market. Second, such acquisitions must begin no earlier than when such plan expansion is permitted to be made;, (8)(i) Provide that the aggregate amount of common stock that may be encompassed under all Option Plans and MRPs, or acquired by all insiders of the subsidiary holding company and subsidiary savings association and associates of insiders of the subsidiary holding company and subsidiary savings association, must not exceed the following percentages of common stock or stockholders' equity of the subsidiary holding company, held by persons other than the subsidiary holding company's mutual holding company parent at the close of the proposed issuance:, (ii) The percentage limitations contained in paragraph 8(i) of this section may be exceeded provided that all stock acquired by insiders and associates of insiders or awarded under all MRPs and Option Plans in excess of those limitations is acquired in the secondary market. If acquired for such awards on the secondary market, such acquisitions must begin no earlier than one year after the close of the proposed issuance or any subsequent issuance that is made in substantial conformity with the purchase priorities set forth in subpart E of this part., (iii) In calculating the number of shares held by insiders and their associates under this provision, shares awarded but not delivered under an ESOP, MRP, or Option Plan that are attributable to such persons shall not be counted as being acquired by such persons., (9) Provide that the amount of common stock that may be encompassed under all Option Plans and MRPs must not exceed, in the aggregate, 25 percent of the outstanding common stock held by persons other than the subsidiary holding company's mutual holding company parent at the close of the proposed issuance;, (10) Provide that the issuance shall be conducted in compliance with, to the extent applicable, the forms required by the Board;, (11) Provide that the sales price of the shares of stock to be sold in the issuance shall be a uniform price determined in accordance with § 239.24;, (12) Provide that, if at the close of the stock issuance the subsidiary holding company has more than thirty-five shareholders of any class of stock, the subsidiary holding company shall promptly register that class of stock pursuant to the Securities Exchange Act of 1934, as amended (15 U.S.C. 78a-78jj), and undertake not to deregister such stock for a period of three years thereafter;, (13) Provide that, if at the close of the stock issuance the subsidiary holding company has more than one hundred shareholders of any class of stock, the subsidiary holding company shall use its best efforts to:, (i) Encourage and assist a market maker to establish and maintain a market for that class of stock; and, (ii) List that class of stock on a national or regional securities exchange or on the NASDAQ quotation system;, (14) Provide that, for a period of three years following the proposed issuance, no insider of the subsidiary holding company or his or her associates shall purchase, without the prior written approval of the Board, any stock of the subsidiary holding company except from a broker dealer registered with the Securities and Exchange Commission, except that the foregoing restriction shall not apply to:, (i) Negotiated transactions involving more than one percent of the outstanding stock in the class of stock; or, (ii) Purchases of stock made by and held by any tax-qualified or non-tax-qualified employee stock benefit plan of the subsidiary holding company even if such stock is attributable to insiders of the subsidiary holding company and subsidiary savings association or their associates;, (15) Provide that stock purchased by insiders of the subsidiary holding company and subsidiary savings association and their associates in the proposed issuance shall not be sold for a period of at least one year following the date of purchase, except in the case of death of the insider or associate;, (16) Provide that, in connection with stock subject to restriction on sale for a period of time:, (i) Each certificate for such stock shall bear a legend giving appropriate notice of such restriction;, (ii) Appropriate instructions shall be issued to the subsidiary holding company's transfer agent with respect to applicable restrictions on transfer of such stock; and, (iii) Any shares issued as a stock dividend, stock split, or otherwise with respect to any such restricted stock shall be subject to the same restrictions as apply to the restricted stock;, (17) Provide that the subsidiary holding company will not offer or sell any of the stock proposed to be issued to any person whose purchase would be financed by funds loaned, directly or indirectly, to the person by the subsidiary holding company;, (18) Provide that, if necessary, the subsidiary holding company's charter will be amended to authorize issuance of the stock and attach and incorporate by reference the text of any such amendment;, (19) Provide that the expenses incurred in connection with the issuance shall be reasonable;, (20) Provide that the Stock Issuance Plan, if proposed as part of a Reorganization Plan, may be amended or terminated in the same manner as the Reorganization Plan. Otherwise, the Stock Issuance Plan shall provide that it may be substantively amended by the board of directors of the issuing subsidiary holding company as a result of comments from regulatory authorities or otherwise prior to approval of the Plan by the Board, and at any time thereafter with the concurrence of the Board; and that the Stock Issuance Plan may be terminated by the board of directors at any time prior to approval of the Plan by the Board, and at any time thereafter with the concurrence of the Board;, (21) Provide that, unless an extension is granted by the Board, the Stock Issuance Plan shall be terminated if not completed within 90 days of the date of such approval; or, (22) Provide that the subsidiary holding company may make scheduled discretionary contributions to a tax-qualified employee stock benefit plan provided such contributions do not cause the subsidiary holding company to fail to meet any of its regulatory capital requirements., (b) Optional provisions. A Stock Issuance Plan may:, (1) Provide that, in the event the proposed stock issuance is part of a Reorganization Plan, the stock offering may be commenced concurrently with or at any time after the mailing to the members of the reorganizing association and any acquiree association of any proxy statement(s). The offering may be closed before the required membership vote(s), provided the offer and sale of the stock shall be conditioned upon the approval of the Reorganization Plan and Stock Issuance Plan by the members of the reorganizing association and any acquiree association;, (2) Provide that any insignificant residue of stock of the subsidiary holding company not sold in the offering may be sold in such other manner as provided in the Stock Issuance Plan, with the Board's approval;, (3) Provide that the subsidiary holding company may issue and sell, in lieu of shares of its stock, units of securities consisting of stock and long-term warrants or other equity securities, in which event any reference in the provisions of this section and in § 239.24 to stock shall apply to such units of equity securities unless the context otherwise requires; or, (4) Provide that the subsidiary holding company may reserve shares representing up to ten percent of the proposed offering for issuance in connection with an employee stock benefit plan., (c) Applicability of provisions of § 239.63(a)(1) to minority stock issuances. Notwithstanding § 239.24(d), § 239.63(a)(1)(ii) do not apply to minority stock issuances, because the permissible sizes of ESOPs, MRPs, and Option Plans in minority stock issuances are subject to each of the requirements set forth at paragraphs (a)(3) through (a)(9) of this section. Section 239.63(a)(4) through (a)(14), apply for one year after the subsidiary holding company engages in a minority stock issuance that is conducted in accordance with the purchase priorities set forth in subpart E of this part. In addition to the shareholder vote requirement for Option Plans and MRPs set forth at § 239.63(a)(1)(vi), any Option Plans and MRPs put to a shareholder vote after a minority stock issuance that is conducted in accordance with the purchase priorities set forth in subpart E of this part must be approved by a majority of the votes cast by stockholders other than the mutual holding company.", "label": "ReportingAndCompliance"}
+{"text": "For purposes of this subpart and subpart C:, (a) The average assessment rate for any assessment period means the aggregate assessment charged all insured depository institutions for that period divided by the aggregate assessment base for that period., (b) Board means the Board of Directors of the FDIC., (c) De facto rule means any transaction in which an insured depository institution assumes substantially all of the deposit liabilities and acquires substantially all of the assets of any other insured depository institution at the time of the transaction., (d) An eligible insured depository institution:, (1) Means an insured depository institution that:, (i) Was in existence on December 31, 1996, and paid a deposit insurance assessment before December 31, 1996; or, (ii) Is a successor to an insured depository institution referred to in paragraph (d)(1)(i) of this section; and, (2) does not include an institution if its insured status has terminated as of or after the effective date of this regulation., (e) Merger means any transaction in which an insured depository institution merges or consolidates with any other insured depository institution. Notwithstanding part 303, subpart D, for purposes of this subpart B and subpart C of this part, merger does not include transactions in which an insured depository institution either directly or indirectly acquires the assets of, or assumes liability to pay any deposits made in, any other insured depository institution, but there is not a legal merger or consolidation of the two insured depository institutions., (f) Resulting institution refers to the acquiring, assuming, or resulting institution in a merger., (g) Successor means a resulting institution or an insured depository institution that acquired part of another insured depository institution's 1996 assessment base ratio under paragraph 327.33(c) of this subpart under the de facto rule.", "label": "ReportingAndCompliance"}
+{"text": "Each Enterprise shall take the results of the stress test conducted under § 1238.3 into account in making changes, as appropriate, to the Enterprise's capital structure (including the level and composition of capital); its exposures, concentrations, and risk positions; any plans for recovery and resolution; and to improve overall risk management. If an Enterprise is under FHFA conservatorship, any post-assessment actions shall require prior FHFA approval.", "label": "CapitalRequirements"}
+{"text": "(a) Applicants. Except where otherwise provided, a non-federally-insured credit union applying to become a member of a Bank shall be treated as an insured depository institution for purposes of determining its eligibility for membership under this part, provided that all of the following requirements have been met:, (1) Notice. Upon receiving from a non-federally-insured credit union an application for membership, a Bank shall promptly notify the applicant in writing that its application will not be deemed complete or be acted upon by the Bank until the applicant has, in addition to satisfying all other generally applicable requirements, complied with paragraph (a)(2) of this section and subsequently provided one of the items listed in paragraph (a)(3) of this section., (2) Request to regulator. After receiving the notice required under paragraph (a)(1) of this section, a non-federally-insured credit union applicant shall send to its appropriate State regulator a written request for a determination that the applicant met all of the eligibility requirements for Federal share insurance as of the date of the request. The applicant shall provide to the Bank a copy of that request simultaneously with its transmittal to the regulator., (3) Completion of application. A Bank may deem the application of a non-federally-insured credit union to be complete and may act upon the application, as provided under § 1263.3(c), only if it has received from the applicant one of the following items:, (i) A written statement from the applicant's appropriate State regulator that the applicant met all of the eligibility requirements for Federal share insurance as of the date of the request sent pursuant to paragraph (a)(2) of this section;, (ii) A written statement from the applicant's appropriate State regulator that it cannot or will not make a determination regarding the applicant's eligibility for Federal share insurance; or, (iii) A written statement from the applicant, prepared no earlier than the end of the six-month period beginning on the date of the request sent pursuant to paragraph (a)(2) of this section, certifying that the applicant did not receive from its appropriate State regulator within that six-month period either a response as described in paragraph (a)(3)(i) or (ii) of this section or a response stating that the applicant did not meet all of the eligibility requirements for Federal share insurance as of the date of the request sent pursuant to paragraph (a)(2) of this section., (b) Members canceling Federal share insurance. A Bank member that is a federally insured credit union and that subsequently cancels its Federal share insurance may remain a member of the Bank, subject to all regulatory provisions applicable to insured depository institution members, provided that the Bank has determined that the institution has canceled its Federal share insurance voluntarily.", "label": "ReportingAndCompliance"}
+{"text": "(a) Requirements. No subsidiary holding company of a mutual holding company may issue stock to persons other than its mutual holding company parent in connection with a mutual holding company reorganization, or at any time subsequent to the subsidiary holding company's acquisition by the mutual holding company, unless the subsidiary holding company obtains advance approval of each such issuance from the Board. Approval of a mutual holding company reorganization filed pursuant to § 239.3(a) shall be deemed to constitute approval of any stock issuance specifically applied for pursuant to this section in connection with the reorganization, unless otherwise specified by the Board. The Board shall approve any proposed issuance that meets each of the criteria set forth below in paragraphs (a)(1) through (a)(7) of this section., (1) The proposed issuance is to be made pursuant to a Stock Issuance Plan that contains all the provisions required by § 239.25., (2) The Stock Issuance Plan is consistent with the terms of the subsidiary holding company's charter (or any proposed amendments thereto), including terms governing the type and amount of stock that may be issued., (3) The Stock Issuance Plan would provide the subsidiary holding company, its mutual holding company parent, and any subsidiary savings associations of the subsidiary holding company with fully sufficient capital and would not be inequitable or detrimental to the subsidiary holding company or its mutual holding company parent or to members of the mutual holding company parent., (4) The proposed price or price range of the stock to be issued is reasonable. The Board shall review the reasonableness of the proposed price or price range., (5) The aggregate amount of outstanding common stock of the subsidiary holding company owned or controlled by persons other than the subsidiary holding company's mutual holding company parent at the close of the proposed issuance shall be less than 50 percent of the subsidiary holding company's total outstanding common stock, unless the subsidiary holding company was a stock holding company when acquired by the mutual holding company, in which case the foregoing restriction shall not apply. Any amount of preferred stock may be issued by any subsidiary holding company of a mutual holding company to persons other than the subsidiary holding company's mutual holding company, consistent with any other applicable laws and regulations., (6) The subsidiary holding company furnishes the information required by the Board in connection with the proposed issuance., (7) The proposed stock issuance meets the convenience and needs standard of § 239.55(g)., (8) The proposed issuance complies with all other applicable laws and regulations., (9) Unless otherwise determined by the Board, the limitations on the minimum and maximum amounts of the estimated price range required by § 239.59(c) shall apply., (b) Related approvals. Approval by the Board of any stock issuance pursuant to this section shall also be deemed to constitute:, (1) Approval of the form of stock certificate proposed to be utilized in connection with the stock issuance, provided such form was included in the application materials filed pursuant to this section; and, (2) Approval of any charter or bylaw amendment required to authorize issuance of the stock, provided such amendment was proposed in the application materials filed pursuant to this section., (c) Offering restrictions. (1) No representations may be made in any manner in connection with the offer or sale of any stock issued pursuant to this section that the price, price range or any other pricing information related to such stock issuance has been approved by the Board or that the stock has been approved or disapproved by the Board or that the Board has endorsed the accuracy or adequacy of any securities offering documents disseminated in connection with such stock., (2) The sale of minority stock of the subsidiary holding company to be made under the minority stock issuance plan, including any sale in a public offering or direct community marketing, shall be completed as promptly as possible and within 45 calendar days after the last day of the subscription period, unless extended by the Board., (3) In the offer, sale, or purchase of stock issued pursuant to this section, no person shall:, (i) Employ any device, scheme, or artifice to defraud;, (ii) Make any untrue statement of a material fact or omit to state a material fact necessary in order to make the statements made, in the light of the circumstances under which they were made, not misleading; or, (iii) Engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon a purchaser or seller., (4) Prior to the completion of a stock issuance pursuant to this section, no person shall transfer, or enter into any agreement or understanding to transfer, the legal or beneficial ownership of the stock to be issued to any other person., (5) Prior to the completion of a stock issuance pursuant to this section, no person shall make any offer, or any announcement of any offer, to purchase any stock to be issued, or knowingly acquire any stock in the issuance, in excess of the maximum purchase limitations established in the Stock Issuance Plan., (6) All stock issuances pursuant to this section must:, (i) Comply with § 239.59 and, to the extent applicable, the form or forms specified by the Board; and, (ii) Provide that the offering be structured in a manner similar to a standard conversion under subpart E of this part, including the stock purchase priorities accorded members of the issuing subsidiary holding company's mutual holding company, unless the subsidiary holding company would qualify for a supervisory conversion if it were to undertake a conversion under subpart E of this part; or demonstrates to the satisfaction of the Board that a non-conforming issuance would be more beneficial to the savings association and subsidiary holding company compared to a conforming offering, considering, in the aggregate, the effect of each on the savings association and subsidiary holding company's financial and managerial resources and future prospects, the effect of the issuance upon the savings association and subsidiary holding company, the insurance risk to the Deposit Insurance Fund, and the convenience and needs of the community to be served., (7) Notwithstanding the restrictions in paragraph (c)(6)(ii) of this section, a subsidiary holding company of a mutual holding company may issue stock as part of a stock benefit plan to any insider, associate of an insider, or tax qualified or non-tax qualified employee stock benefit plan of the mutual holding company or subsidiary of the mutual holding company without including the purchase priorities of subpart E of this part., (8) As part of a reorganization, a reasonable amount of shares or proceeds may be contributed to a charitable organization that complies with §§ 239.64(b) to 239.64(f), provided such contribution does not result in any taxes on excess business holdings under section 4943 of the Internal Revenue Code (26 U.S.C. 4943)., (d) Procedural and substantive requirements. The procedural and substantive requirements of subpart E of this part shall apply to all mutual holding company stock issuances and subsidiary holding company stock issuances under this section, unless clearly inapplicable, as determined by the Board. For purposes of this paragraph, the term conversion as it appears in the provisions of subpart E of this part shall refer to the stock issuance, and the term mutual holding company shall refer to the subsidiary holding company undertaking the stock issuance.", "label": "CorporateGovernance"}
+{"text": "The Director may, at any time during the pendency of a proceeding, perform, direct the performance of, or waive performance of any act that could be done or ordered by the presiding officer.", "label": "CorporateGovernance"}
+{"text": "(a) Determination and notice. After the Enterprise has submitted its response under § 1777.25 or the response period (as extended or shortened, if applicable) has expired, whichever occurs first, OFHEO will determine, in its discretion, whether to take into consideration such relevant information as is provided by the Enterprise in its response, if any, under § 1777.25. OFHEO will provide the Enterprise with a written final notice of any order issued by OFHEO under this subpart, which is to include a description of the basis for OFHEO's determination., (b) Termination or modification. An Enterprise that has received an order under paragraph (a) of this section remains subject to each provision of the order until each such provision terminates under the express terms of the order. The Enterprise may submit a written request to OFHEO seeking modification or termination of one or more provisions of the order. Pending OFHEO's review and approval, in OFHEO's discretion of the Enterprise's request, the Enterprise shall remain subject to the provisions of the order., (c) Enforcement of order - (1) Judicial enforcement. An order issued under paragraph (a) of this section is an order for purposes of section 1375 of the 1992 Act (12 U.S.C. 4635). An Enterprise in any capital classification may be subject to enforcement of such order in the United States District Court for the District of Columbia pursuant to such section., (2) Administrative enforcement. An order issued under paragraph (a) of this section constitutes an order under the 1992 Act. An Enterprise, regardless of its capital classification, as well as its executive officers and directors may be subject to action by OFHEO under sections 1371, 1372, and 1376 of the 1992 Act (12 U.S.C. 4631, 4632, and 4636) and 12 CFR part 1780 for failure to comply with such order.", "label": "ReportingAndCompliance"}
+{"text": "(a) Debarment. If the final order against the respondent is for debarment, the individual will not thereafter be permitted to practice before the Board unless otherwise permitted to do so by the Board pursuant to § 263.99 of this subpart., (b) Suspension. If the final order against the respondent is for suspension, the individual will not thereafter be permitted to practice before the Board during the period of suspension., (c) Censure. If the final order against the respondent is for censure, the individual may be permitted to practice before the Board, but such individual's future representations may be subject to conditions designed to promote high standards of conduct. If a written letter of censure is issued, a copy will be maintained in the Board's files., (d) Notice of debarment or suspension. Upon the issuance of a final order for suspension or debarment, the Board shall give notice of the order to appropriate officers and employees of the Board, to interested departments and agencies of the Federal Government, and to the appropriate authorities of the State in which any debarred or suspended individual is or was licensed to practice.", "label": "ReportingAndCompliance"}
+{"text": "It is the policy of the FDIC that minorities and women, and businesses owned by them have the maximum practicable opportunity to participate in contracts awarded by the FDIC. ", "label": "ConsumerProtection"}
+{"text": "(a) Savings and loan holding company policy and operations. (1) A savings and loan holding company shall serve as a source of financial and managerial strength to its subsidiary savings associations and shall not conduct its operations in an unsafe or unsound manner., (2) Whenever the Board believes an activity of a savings and loan holding company or control of a nonbank subsidiary (other than a nonbank subsidiary of a savings association) constitutes a serious risk to the financial safety, soundness, or stability of a subsidiary savings association of the savings and loan holding company and is inconsistent with sound banking principles or the purposes of HOLA or the Financial Institutions Supervisory Act of 1966, as amended (12 U.S.C. 1818(b) et seq.), the Board may require the savings and loan holding company to terminate the activity or to terminate control of the subsidiary, as provided in section 10(g)(5) of the HOLA., (b) The Board's Small Bank Holding Company Policy Statement (12 CFR part 225, appendix C) (Policy Statement) applies to savings and loan holding companies as if they were bank holding companies. To qualify or rely on the Policy Statement, savings and loan holding companies must meet all qualifying requirements in the Policy Statement as if they were a bank holding company. For purposes of applying the Policy Statement, the term “nonbank subsidiary” as used in the Policy Statement refers to a subsidiary of a savings and loan holding company other than a savings association or a subsidiary of a savings association., (c) The Board may exclude any savings and loan holding company, regardless of asset size, from the Policy Statement under paragraph (b) of this section if the Board determines that such action is warranted for supervisory purposes.", "label": "CorporateGovernance"}
+{"text": "For the purpose of this part, the following definitions apply:, (a) Voluntary liquidation means the dissolution of a solvent Federal credit union with the assets being sold or collected, liabilities paid, and shares distributed under the direction of the board of directors or its duly appointed liquidating agent., (b) Liquidation date means the date the members vote to approve liquidation., (c) Liquidating agent means the person or persons, including any legally recognized entity, appointed by the board of directors to liquidate the Federal credit union.", "label": "ReportingAndCompliance"}
+{"text": "A financial institution is not entitled to reimbursement under this subpart for costs incurred in assembling or providing financial records or information related to: , (a) Security interests, bankruptcy claims, debt collection. Any financial records provided as an incident to perfecting a security interest, proving a claim in bankruptcy, or otherwise collecting on a debt owing either to the financial institution itself or in its role as a fiduciary. , (b) Government loan programs. Financial records that are necessary to permit the appropriate government authority to carry out its responsibilities under a government loan, loan guaranty or loan insurance program. , (c) Nonidentifiable information. Financial records that are not identified with or identifiable as being derived from the financial records of a particular customer. , (d) Financial supervisory agencies. Financial records disclosed to a financial supervisory agency in the exercise of its supervisory, regulatory, or monetary functions with respect to a financial institution. , (e) Internal Revenue summons. Financial records disclosed in accordance with procedures authorized by the Internal Revenue Code. , (f) Federally required reports. Financial records required to be reported in accordance with any federal statute or rule promulgated thereunder. , (g) Government civil or criminal litigation. Financial records sought by a government authority under the Federal Rules of Civil or Criminal Procedure or comparable rules of other courts in connection with litigation to which the government authority and the customer are parties. , (h) Administrative agency subpoenas. Financial records sought by a government authority pursuant to an administrative subpoena issued by an administrative law judge in an adjudicatory proceeding subject to 5 U.S.C. 554, and to which the government authority and the customer are parties. , (i) Investigation of financial institution or its noncustomer. Financial records sought by a government authority in connection with a lawful proceeding, investigation, examination, or inspection directed at the financial institution in possession of such records, or at an entity that is not a customer as defined in § 219.2 of this part. , (j) General Accounting Office requests. Financial records sought by the General Accounting Office pursuant to an authorized proceeding, investigation, examination, or audit directed at a government authority. , (k) Federal Housing Finance Board requests. Financial records or information sought by the Federal Housing Finance Board (FHFB) or any of the Federal home loan banks in the exercise of the FHFB's authority to extend credit to financial institutions or others. , (l) Department of Veterans Affairs. The disclosure of the name and address of any customer to the Department of Veterans Affairs where such disclosure is necessary to, and used solely for, the proper administration of benefits programs under laws administered by that Department. ", "label": "ReportingAndCompliance"}
+{"text": "(a) Adoption and review of member products policy - (1) Adoption. Each Bank's board of directors shall have in effect at all times a policy that addresses the Bank's management of products offered by the Bank to members and housing associates, including but not limited to advances, standby letters of credit, and acquired member assets, consistent with the requirements of the Bank Act, paragraph (b) of this section, and all applicable FHFA regulations and policies., (2) Review and compliance. Each Bank's board of directors shall:, (i) Review the Bank's member products policy annually;, (ii) Amend the member products policy as appropriate; and, (iii) Re-adopt the member products policy, including interim amendments, not less often than every three years., (b) Member products policy requirements. In addition to meeting any other requirements set forth in this chapter, each Bank's member products policy shall:, (1) Address credit underwriting criteria to be applied in evaluating applications for advances, standby letters of credit, and renewals;, (2) Address appropriate levels of collateralization, valuation of collateral and discounts applied to collateral values for advances and standby letters of credit;, (3) Address advances-related fees to be charged by each Bank, including any schedules or formulas pertaining to such fees;, (4) Address standards and criteria for pricing member products, including differential pricing of advances pursuant to § 1266.5(b)(2) of this chapter, and criteria regarding the pricing of standby letters of credit, including any special pricing provisions for standby letters of credit that facilitate the financing of projects that are eligible for any of the Banks' CICA programs under part 1292 of this chapter;, (5) Provide that, for any draw made by a beneficiary under a standby letter of credit, the member will be charged a processing fee calculated in accordance with the requirements of § 1271.6(b) of this chapter;, (6) Address the maintenance of appropriate systems, procedures, and internal controls; and, (7) Address the maintenance of appropriate operational and personnel capacity.", "label": "CorporateGovernance"}
+{"text": "(a) Limitations prior to account opening and during first year after account opening - (1) General rule. Except as provided in paragraph (a)(2) of this section, the total amount of fees a consumer is required to pay with respect to a credit card account under an open-end (not home-secured) consumer credit plan prior to account opening and during the first year after account opening must not exceed 25 percent of the credit limit in effect when the account is opened. For purposes of this paragraph, an account is considered open no earlier than the date on which the account may first be used by the consumer to engage in transactions., (2) Fees not subject to limitations. Paragraph (a) of this section does not apply to:, (i) Late payment fees, over-the-limit fees, and returned-payment fees; or, (ii) Fees that the consumer is not required to pay with respect to the account., (3) Rule of construction. Paragraph (a) of this section does not authorize the imposition or payment of fees or charges otherwise prohibited by law., (b) Limitations on penalty fees. A card issuer must not impose a fee for violating the terms or other requirements of a credit card account under an open-end (not home-secured) consumer credit plan unless the dollar amount of the fee is consistent with paragraphs (b)(1) and (b)(2) of this section., (1) General rule. Except as provided in paragraph (b)(2) of this section, a card issuer may impose a fee for violating the terms or other requirements of a credit card account under an open-end (not home-secured) consumer credit plan if the dollar amount of the fee is consistent with either paragraph (b)(1)(i) or (b)(1)(ii) of this section., (i) Fees based on costs. A card issuer may impose a fee for violating the terms or other requirements of an account if the card issuer has determined that the dollar amount of the fee represents a reasonable proportion of the total costs incurred by the card issuer as a result of that type of violation. A card issuer must reevaluate this determination at least once every twelve months. If as a result of the reevaluation the card issuer determines that a lower fee represents a reasonable proportion of the total costs incurred by the card issuer as a result of that type of violation, the card issuer must begin imposing the lower fee within 45 days after completing the reevaluation. If as a result of the reevaluation the card issuer determines that a higher fee represents a reasonable proportion of the total costs incurred by the card issuer as a result of that type of violation, the card issuer may begin imposing the higher fee after complying with the notice requirements in § 226.9., (ii) Safe harbors. A card issuer may impose a fee for violating the terms or other requirements of an account if the dollar amount of the fee does not exceed, as applicable:, (A) $25.00;, (B) $35.00 if the card issuer previously imposed a fee pursuant to paragraph (b)(1)(ii)(A) of this section for a violation of the same type that occurred during the same billing cycle or one of the next six billing cycles; or, (C) Three percent of the delinquent balance on a charge card account that requires payment of outstanding balances in full at the end of each billing cycle if the card issuer has not received the required payment for two or more consecutive billing cycles., (D) The amounts in paragraphs (b)(1)(ii)(A) and (b)(1)(ii)(B) of this section will be adjusted annually by the Board to reflect changes in the Consumer Price Index., (2) Prohibited fees - (i) Fees that exceed dollar amount associated with violation - (A) Generally. A card issuer must not impose a fee for violating the terms or other requirements of a credit card account under an open-end (not home-secured) consumer credit plan that exceeds the dollar amount associated with the violation., (B) No dollar amount associated with violation. A card issuer must not impose a fee for violating the terms or other requirements of a credit card account under an open-end (not home-secured) consumer credit plan when there is no dollar amount associated with the violation. For purposes of paragraph (b)(2)(i) of this section, there is no dollar amount associated with the following violations:, (1) Transactions that the card issuer declines to authorize;, (2) Account inactivity; and, (3) The closure or termination of an account., (ii) Multiple fees based on a single event or transaction. A card issuer must not impose more than one fee for violating the terms or other requirements of a credit card account under an open-end (not home-secured) consumer credit plan based on a single event or transaction. A card issuer may, at its option, comply with this prohibition by imposing no more than one fee for violating the terms or other requirements of an account during a billing cycle.", "label": "ConsumerProtection"}
+{"text": "This subpart applies to foreign banking organizations with average total consolidated assets of $100 billion or more, but average combined U.S. assets of less than $100 billion.", "label": "ReportingAndCompliance"}
+{"text": "For the purposes of this part:, (a) Agency means the Farm Credit Administration., (b) Individual means a citizen of the United States or an alien lawfully admitted for permanent residence;, (c) Maintain includes maintain, collect, use, or disseminate;, (d) Record means any item, collection, or grouping of information about an individual that is maintained by an agency including, but not limited to, that person's education, financial transactions, medical history, and criminal or employment history, and that contains that person's name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or photograph;, (e) Routine use means, with respect to the disclosure of a record, the use of such record for a purpose that is compatible with the purpose for which it was collected;, (f) Statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by 13 U.S.C. 8;, (g) System of records means a group of any records under the control of any agency from which information is retrieved by the name of an individual or by some identifying number, symbol, or other identifying particular assigned to the individual.", "label": "ConsumerProtection"}
+{"text": "(a) Adequacy. A member bank's capital, calculated in accordance with part 217, shall be at all times adequate in relation to the character and condition liabilities and other corporate responsibilities. If at any time, in light of all the circumstances, the bank's capital appears inadequate in relation to its assets, liabilities, and responsibilities, the bank shall increase the amount of its capital, within such period as the Board deems reasonable, to an amount which, in the judgment of the Board, shall be adequate. , (b) Standards for evaluating capital adequacy. Standards and measures, by which the Board evaluates the capital adequacy of member banks for risk-based capital purposes and for leverage measurement purposes, are located in part 217 of this chapter. ", "label": "CapitalRequirements"}
+{"text": "NCUA may request that monies payable to a debtor from the Civil Service Retirement and Disability Fund be administratively offset to collect debts owed to NCUA by the debtor. NCUA shall provide OPM with a written certification that states the debtor owes the debt, the amount of the debt, and that NCUA has complied with the agency's offset regulations, as well as, the requirements set forth in 31 CFR parts 900 through 904 and OPM's regulations.", "label": "ReportingAndCompliance"}
+{"text": "Except as otherwise defined, the term Farm Credit bank(s) includes Farm Credit Banks, agricultural credit banks, and banks for cooperatives.", "label": "ReportingAndCompliance"}
+{"text": "To enter into Derivative transactions under this subpart, a Federal credit union must:, (a) Have an executed Master Services Agreement with a Counterparty. Such agreement must be reviewed by counsel with expertise in similar types of transactions to ensure the agreement reasonably protects the interests of the Federal credit union;, (b) Use only the following Counterparties:, (1) For exchange-traded and cleared Derivatives: Swap Dealers, Introducing Brokers, and/or FCMs that are current registrants of the CFTC; or, (2) For Non-cleared Derivative transactions: Swap Dealers that are current registrants of the CFTC., (c) Utilize contracted Margin requirements with a maximum Margin threshold amount of $250,000; and, (d) For Non-cleared Derivative transactions, accept as eligible collateral, for Margin requirements, only the following: Cash (U.S. dollars), U.S. Treasuries, government-sponsored enterprise debt, U.S. government agency debt, government-sponsored enterprise residential mortgage-backed security pass-through securities, and U.S. government agency residential mortgage-backed security pass-through securities.", "label": "RiskManagement"}
+{"text": "(a) General rule. An advertisement for a consumer lease may state that a specific lease of property at specific amounts or terms is available only if the lessor usually and customarily leases or will lease the property at those amounts or terms. , (b) Clear and conspicuous standard. Disclosures required by this section shall be made clearly and conspicuously. , (1) Amount due at lease signing or delivery. Except for the statement of a periodic payment, any affirmative or negative reference to a charge that is a part of the disclosure required under paragraph (d)(2)(ii) of this section shall not be more prominent than that disclosure. , (2) Advertisement of a lease rate. If a lessor provides a percentage rate in an advertisement, the rate shall not be more prominent than any of the disclosures in § 213.4, with the exception of the notice in § 213.4(s) required to accompany the rate; and the lessor shall not use the term “annual percentage rate,” “annual lease rate,” or equivalent term. , (c) Catalogs or other multipage advertisements; electronic advertisements. A catalog or other multipage advertisement , or an electronic advertisement (such as an advertisement appearing on an Internet Web site), that provides a table or schedule of the required disclosures shall be considered a single advertisement if, for lease terms that appear without all the required disclosures, the advertisement refers to the page or pages on which the table or schedule appears., (d) Advertisement of terms that require additional disclosure - (1) Triggering terms. An advertisement that states any of the following items shall contain the disclosures required by paragraph (d)(2) of this section, except as provided in paragraphs (e) and (f) of this section: , (i) The amount of any payment; or , (ii) A statement of any capitalized cost reduction or other payment (or that no payment is required) prior to or at consummation or by delivery, if delivery occurs after consummation., (2) Additional terms. An advertisement stating any item listed in paragraph (d)(1) of this section shall also state the following items: , (i) That the transaction advertised is a lease; , (ii) The total amount due prior to or at consummation or by delivery, if delivery occurs after consummation; , (iii) The number, amounts, and due dates or periods of scheduled payments under the lease; , (iv) A statement of whether or not a security deposit is required; and , (v) A statement that an extra charge may be imposed at the end of the lease term where the lessee's liability (if any) is based on the difference between the residual value of the leased property and its realized value at the end of the lease term. , (e) Alternative disclosures - merchandise tags. A merchandise tag stating any item listed in paragraph (d)(1) of this section may comply with paragraph (d)(2) of this section by referring to a sign or display prominently posted in the lessor's place of business that contains a table or schedule of the required disclosures. , (f) Alternative disclosures - television or radio advertisements - (1) Toll-free number or print advertisement. An advertisement made through television or radio stating any item listed in paragraph (d)(1) of this section complies with paragraph (d)(2) of this section if the advertisement states the items listed in paragraphs (d)(2)(i) through (iii) of this section, and: , (i) Lists a toll-free telephone number along with a reference that such number may be used by consumers to obtain the information required by paragraph (d)(2) of this section; or , (ii) Directs the consumer to a written advertisement in a publication of general circulation in the community served by the media station, including the name and the date of the publication, with a statement that information required by paragraph (d)(2) of this section is included in the advertisement. The written advertisement shall be published beginning at least three days before and ending at least ten days after the broadcast. , (2) Establishment of toll-free number. (i) The toll-free telephone number shall be available for no fewer than ten days, beginning on the date of the broadcast. , (ii) The lessor shall provide the information required by paragraph (d)(2) of this section orally, or in writing upon request. ", "label": "ConsumerProtection"}
+{"text": "Unless otherwise specified, the following definitions apply for purposes of this part:, Affiliate has the same meaning as in section 2(k) of the Bank Holding Company Act (12 U.S.C. 1841(k)) and 12 CFR 225.2(a)., Applicable accounting standards means GAAP, international financial reporting standards, or such other accounting standards that a company uses in the ordinary course of its business in preparing its consolidated financial statements., Average combined U.S. assets means the average of combined U.S. assets for the four most recent calendar quarters or, if the banking organization has not reported combined U.S. assets for each of the four most recent calendar quarters, the combined U.S. assets for the most recent calendar quarter or average of the most recent calendar quarters, as applicable., Average cross-jurisdictional activity means the average of cross-jurisdictional activity for the four most recent calendar quarters or, if the banking organization has not reported cross-jurisdictional activity for each of the four most recent calendar quarters, the cross-jurisdictional activity for the most recent calendar quarter or average of the most recent calendar quarters, as applicable., Average off-balance sheet exposure means the average of off-balance sheet exposure for the four most recent calendar quarters or, if the banking organization has not reported total exposure and total consolidated assets or combined U.S. assets, as applicable, for each of the four most recent calendar quarters, the off-balance sheet exposure for the most recent calendar quarter or average of the most recent calendar quarters, as applicable., Average total consolidated assets means the average of total consolidated assets for the four most recent calendar quarters or, if the banking organization has not reported total consolidated assets for each of the four most recent calendar quarters, the total consolidated assets for the most recent calendar quarter or average of the most recent calendar quarters, as applicable., Average total nonbank assets means the average of total nonbank assets for the four most recent calendar quarters or, if the banking organization has not reported or calculated total nonbank assets for each of the four most recent calendar quarters, the total nonbank assets for the most recent calendar quarter or average of the most recent calendar quarters, as applicable., Average U.S. non-branch assets means the average of U.S. non-branch assets for the four most recent calendar quarters or, if the banking organization has not reported the total consolidated assets of its top-tier U.S. subsidiaries for each of the four most recent calendar quarters, the U.S. non-branch assets for the most recent calendar quarter or average of the most recent calendar quarters, as applicable., Average weighted short-term wholesale funding means the average of weighted short-term wholesale funding for each of the four most recent calendar quarters or, if the banking organization has not reported weighted short-term wholesale funding for each of the four most recent calendar quarters, the weighted short-term wholesale funding for the most recent calendar quarter or average of the most recent calendar quarters, as applicable., Bank holding company has the same meaning as in section 2(a) of the Bank Holding Company Act (12 U.S.C. 1841(a)) and 12 CFR 225.2(c)., Banking organization means:, (1) A bank holding company that is a U.S. bank holding company;, (2) A U.S. intermediate holding company; or, (3) A foreign banking organization., Board means the Board of Governors of the Federal Reserve System., Category II bank holding company means a U.S. bank holding company identified as a Category II banking organization pursuant to § 252.5., Category II foreign banking organization means a foreign banking organization identified as a Category II banking organization pursuant to § 252.5., Category II U.S. intermediate holding company means a U.S. intermediate holding company identified as a Category II banking organization pursuant to § 252.5., Category III bank holding company means a U.S. bank holding company identified as a Category III banking organization pursuant to § 252.5., Category III foreign banking organization means a foreign banking organization identified as a Category III banking organization pursuant to § 252.5., Category III U.S. intermediate holding company means a U.S. intermediate holding company identified as a Category III banking organization pursuant to § 252.5., Category IV bank holding company means a U.S. bank holding company identified as a Category IV banking organization pursuant to § 252.5., Category IV foreign banking organization means a foreign banking organization identified as a Category IV banking organization pursuant to § 252.5., Category IV U.S. intermediate holding company means a U.S. intermediate holding company identified as a Category IV banking organization pursuant to § 252.5., Combined U.S. assets means the sum of the consolidated assets of each top-tier U.S. subsidiary of the foreign banking organization (excluding any section 2(h)(2) company, if applicable) and the total assets of each U.S. branch and U.S. agency of the foreign banking organization, as reported by the foreign banking organization on the FR Y-15 or FR Y-7Q., Combined U.S. operations means:, (1) The U.S. branches and agencies of the foreign banking organization; and, (2) The U.S. subsidiaries of the foreign banking organization (excluding any section 2(h)(2) company, if applicable) and subsidiaries of such U.S. subsidiaries., Company means a corporation, partnership, limited liability company, depository institution, business trust, special purpose entity, association, or similar organization., Control has the same meaning as in section 2(a) of the Bank Holding Company Act (12 U.S.C. 1841(a)), and the terms controlled and controlling shall be construed consistently with the term control., Council means the Financial Stability Oversight Council established by section 111 of the Dodd-Frank Act (12 U.S.C. 5321)., Credit enhancement means a qualified financial contract of the type set forth in section 210(c)(8)(D)(ii)(XII), (iii)(X), (iv)(V), (v)(VI), or (vi)(VI) of Title II of the Dodd-Frank Act (12 U.S.C. 5390(c)(8)(D)(ii)(XII), (iii)(X), (iv)(V), (v)(VI), or (vi)(VI)) or a credit enhancement that the Federal Deposit Insurance Corporation determines by regulation is a qualified financial contract pursuant to section 210(c)(8)(D)(i) of Title II of the Act (12 U.S.C. 5390(c)(8)(D)(i))., Cross-jurisdictional activity. The cross-jurisdictional activity of a banking organization is equal to the cross-jurisdictional activity of the banking organization as reported on the FR Y-15., Depository institution has the same meaning as in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813(c))., DPC branch subsidiary means any subsidiary of a U.S. branch or a U.S. agency acquired, or formed to hold assets acquired, in the ordinary course of business and for the sole purpose of securing or collecting debt previously contracted in good faith by that branch or agency., Foreign banking organization has the same meaning as in 12 CFR 211.21(o), provided that if the top-tier foreign banking organization is incorporated in or organized under the laws of any State, the foreign banking organization shall not be treated as a foreign banking organization for purposes of this part., FR Y-7 means the Annual Report of Foreign Banking Organizations reporting form., FR Y-7Q means the Capital and Asset Report for Foreign Banking Organizations reporting form., FR Y-9C means the Consolidated Financial Statements for Holding Companies reporting form., FR Y-9LP means the Parent Company Only Financial Statements of Large Holding Companies., FR Y-15 means the Systemic Risk Report., Global methodology means the assessment methodology and the higher loss absorbency requirement for global systemically important banks issued by the Basel Committee on Banking Supervision, as updated from time to time., Global systemically important banking organization means a global systemically important bank, as such term is defined in the global methodology., Global systemically important BHC means a bank holding company identified as a global systemically important BHC pursuant to 12 CFR 217.402., Global systemically important foreign banking organization means a top-tier foreign banking organization that is identified as a global systemically important foreign banking organization under § 252.147(b)(4) or § 252.153(b)(4) of this part., GAAP means generally accepted accounting principles as used in the United States., Home country, with respect to a foreign banking organization, means the country in which the foreign banking organization is chartered or incorporated., Home country resolution authority, with respect to a foreign banking organization, means the governmental entity or entities that under the laws of the foreign banking organization's home county has responsibility for the resolution of the top-tier foreign banking organization., Home-country supervisor, with respect to a foreign banking organization, means the governmental entity or entities that under the laws of the foreign banking organization's home county has responsibility for the supervision and regulation of the top-tier foreign banking organization., Nonbank financial company supervised by the Board means a company that the Council has determined under section 113 of the Dodd-Frank Act (12 U.S.C. 5323) shall be supervised by the Board and for which such determination is still in effect., Non-U.S. affiliate means any affiliate of a foreign banking organization that is incorporated or organized in a country other than the United States., Off-balance sheet exposure. (1) The off-balance sheet exposure of a U.S. bank holding company or U.S. intermediate holding company is equal to:, (i) The total exposure of such banking organization, as reported by the banking organization on the FR Y-15; minus, (ii) The total consolidated assets of such banking organization for the same calendar quarter., (2) The off-balance sheet exposure of a foreign banking organization is equal to:, (i) The total exposure of the combined U.S. operations of the foreign banking organization, as reported by the foreign banking organization on the FR Y-15; minus, (ii) The combined U.S. assets of the foreign banking organization for the same calendar quarter., Publicly traded means an instrument that is traded on:, (1) Any exchange registered with the U.S. Securities and Exchange Commission as a national securities exchange under section 6 of the Securities Exchange Act of 1934 (15 U.S.C. 78f); or, (2) Any non-U.S.-based securities exchange that:, (i) Is registered with, or approved by, a non-U.S. national securities regulatory authority; and, (ii) Provides a liquid, two-way market for the instrument in question, meaning that there are enough independent bona fide offers to buy and sell so that a sales price reasonably related to the last sales price or current bona fide competitive bid and offer quotations can be determined promptly and a trade can be settled at such price within a reasonable time period conforming with trade custom., (3) A company can rely on its determination that a particular non-U.S.-based securities exchange provides a liquid two-way market unless the Board determines that the exchange does not provide a liquid two-way market., Section 2(h)(2) company has the same meaning as in section 2(h)(2) of the Bank Holding Company Act (12 U.S.C. 1841(h)(2))., State means any state, commonwealth, territory, or possession of the United States, the District of Columbia, the Commonwealth of Puerto Rico, the Commonwealth of the Northern Mariana Islands, American Samoa, Guam, or the United States Virgin Islands., State member bank has the same meaning as in 12 CFR 208.2(g)., Subsidiary has the same meaning as in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813)., Top-tier foreign banking organization, with respect to a foreign bank, means the top-tier foreign banking organization or, alternatively, a subsidiary of the top-tier foreign banking organization designated by the Board., Total consolidated assets. (1) Total consolidated assets of a U.S. bank holding company or a U.S. intermediate holding company is equal to the total consolidated assets of such banking organization calculated based on the average of the balances as of the close of business for each day for the calendar quarter or an average of the balances as of the close of business on each Wednesday during the calendar quarter, as reported on the FR Y-9C., (2) Total consolidated assets of a foreign banking organization is equal to the total consolidated assets of the foreign banking organization, as reported on the FR Y-7Q., (3) Total consolidated assets of a state member bank is equal to the total consolidated assets as reported by a state member bank on its Consolidated Report of Condition and Income (Call Report)., Total nonbank assets. (1) Total nonbank assets of a U.S. bank holding company or U.S. intermediate holding company is equal to the total nonbank assets of such banking organization, as reported on the FR Y-9LP., (2) Total nonbank assets of a foreign banking organization is equal to:, (i) The sum of the total nonbank assets of any U.S. intermediate holding company, if any, as reported on the FR Y-9LP; plus, (ii) The assets of the foreign banking organization's nonbank U.S. subsidiaries excluding the U.S. intermediate holding company, if any; plus, (iii) The sum of the foreign banking organization's equity investments in unconsolidated U.S. subsidiaries, excluding equity investments in any section 2(h)(2) company; minus, (iv) The assets of any section 2(h)(2) company., U.S. agency has the same meaning as the term “agency” in § 211.21(b) of this chapter., U.S. bank holding company means a bank holding company that is:, (1) Incorporated in or organized under the laws of the United States or any State; and, (2) Not a consolidated subsidiary of a bank holding company that is incorporated in or organized under the laws of the United States or any State., U.S. branch has the same meaning as the term “branch” in § 211.21(e) of this chapter., U.S. branches and agencies means the U.S. branches and U.S. agencies of a foreign banking organization., U.S. government agency means an agency or instrumentality of the United States whose obligations are fully and explicitly guaranteed as to the timely payment of principal and interest by the full faith and credit of the United States., U.S. government-sponsored enterprise means an entity originally established or chartered by the U.S. government to serve public purposes specified by the U.S. Congress, but whose obligations are not explicitly guaranteed by the full faith and credit of the United States., U.S. intermediate holding company means a top-tier U.S. company that is required to be established pursuant to § 252.147 or § 252.153., U.S. non-branch assets. U.S. non-branch assets are equal to the sum of the consolidated assets of each top-tier U.S. subsidiary of the foreign banking organization (excluding any section 2(h)(2) company and DPC branch subsidiary, if applicable) as reported on the FR Y-7Q. In calculating U.S. non-branch assets, a foreign banking organization must reduce its U.S. non-branch assets by the amount corresponding to balances and transactions between a top-tier U.S. subsidiary and any other top-tier U.S. subsidiary (excluding any 2(h)(2) company or DPC branch subsidiary) to the extent such items are not already eliminated in consolidation., U.S. subsidiary means any subsidiary that is incorporated in or organized under the laws of the United States or any State, commonwealth, territory, or possession of the United States, the Commonwealth of Puerto Rico, the Commonwealth of the North Mariana Islands, American Samoa, Guam, or the United States Virgin Islands., Weighted short-term wholesale funding is equal to the weighted short-term wholesale funding of a banking organization, as reported on the FR Y-15.", "label": "ReportingAndCompliance"}
+{"text": "(a) Limits on credit exposure. (1) The policies and procedures on exposure established by a bank under § 206.3(c) of this part shall limit a bank's interday credit exposure to an individual correspondent to not more than 25 percent of the bank's total capital, unless the bank can demonstrate that its correspondent is at least adequately capitalized, as defined in § 206.5(a) of this part., (2) Where a bank is no longer able to demonstrate that a correspondent is at least adequately capitalized for the purposes of § 206.4(a) of this part, including where the bank cannot obtain adequate information concerning the capital ratios of the correspondent, the bank shall reduce its credit exposure to comply with the requirements of § 206.4(a)(1) of this part within 120 days after the date when the current Report of Condition and Income or other relevant report normally would be available., (b) Calculation of credit exposure. Except as provided in §§ 206.4 (c) and (d) of this part, the credit exposure of a bank to a correspondent shall consist of the bank's assets and off-balance sheet items that are subject to capital requirements under the capital adequacy guidelines of the bank's primary federal supervisor, and that involve claims on the correspondent or capital instruments issued by the correspondent. For this purpose, off-balance sheet items shall be valued on the basis of current exposure. The term “credit exposure” does not include exposure related to the settlement of transactions, intraday exposure, transactions in an agency or similar capacity where losses will be passed back to the principal or other party, or other sources of exposure that are not covered by the capital adequacy guidelines., (c) Netting. Transactions covered by netting agreements that are valid and enforceable under all applicable laws may be netted in calculating credit exposure., (d) Exclusions. A bank may exclude the following from the calculation of credit exposure to a correspondent:, (1) Transactions, including reverse repurchase agreements, to the extent that the transactions are secured by government securities or readily marketable collateral, as defined in paragraph (f) of this section, based on the current market value of the collateral;, (2) The proceeds of checks and other cash items deposited in an account at a correspondent that are not yet available for withdrawal;, (3) Quality assets, as defined in paragraph (f) of this section, on which the correspondent is secondarily liable, or obligations of the correspondent on which a creditworthy obligor in addition to the correspondent is available, including but not limited to:, (i) Loans to third parties secured by stock or debt obligations of the correspondent;, (ii) Loans to third parties purchased from the correspondent with recourse;, (iii) Loans or obligations of third parties backed by stand-by letters of credit issued by the correspondent; or, (iv) Obligations of the correspondent backed by stand-by letters of credit issued by a creditworthy third party;, (4) exposure that results from the merger with or acquisition of another bank for one year after that merger or acquisition is consummated; and, (5) The portion of the bank's exposure to the correspondent that is covered by federal deposit insurance., (e) Credit exposure of subsidiaries. In calculating credit exposure to a correspondent under this part, a bank shall include credit exposure to the correspondent of any entity that the bank is required to consolidate on its Report of Condition and Income or Thrift Financial Report., (f) Definitions. As used in this section: , (1) Government securities means obligations of, or obligations fully guaranteed as to principal and interest by, the United States government or any department, agency, bureau, board, commission, or establishment of the United States, or any corporation wholly owned, directly or indirectly, by the United States., (2) Readily marketable collateral means financial instruments or bullion that may be sold in ordinary circumstances with reasonable promptness at a fair market value determined by quotations based on actual transactions on an auction or a similarly available daily bid- ask-price market., (3)(i) Quality asset means an asset:, (A) That is not in a nonaccrual status;, (B) On which principal or interest is not more than thirty days past due; and, (C) Whose terms have not been renegotiated or compromised due to the deteriorating financial conditions of the additional obligor., (ii) An asset is not considered a “quality asset” if any other loans to the primary obligor on the asset have been classified as “substandard,” “doubtful,” or “loss,” or treated as “other loans specially mentioned” in the most recent report of examination or inspection of the bank or an affiliate prepared by either a federal or a state supervisory agency.", "label": "RiskManagement"}
+{"text": "(a) Except in the case of a security interest in favor of the United States or a Federal Reserve Bank or otherwise as provided in § 1511.4(c)(1), for the purposes of this part 1511, the Funding Corporation and the Federal Reserve Banks shall treat the Participant to whose Securities Account an interest in a Book-entry Funding Corporation Security has been credited as the Person exclusively entitled to issue a Transfer Message, to receive interest and other payments with respect thereof and otherwise to exercise all the rights and powers with respect to such Security, notwithstanding any information or notice to the contrary. Neither the Federal Reserve Banks nor the Funding Corporation is liable to a Person asserting or having an Adverse Claim to a Security Entitlement or to a Book-entry Funding Corporation Security in a Participant's Securities Account, including any such claim arising as a result of the transfer or disposition of a Book-entry Funding Corporation Security by a Federal Reserve Bank pursuant to a Transfer Message that the Federal Reserve Bank reasonably believes to be genuine. , (b) The obligation of the Funding Corporation to make payments of interest and principal with respect to Book-entry Funding Corporation Securities is discharged at the time payment in the appropriate amount is made as follows: , (1) Interest on Book-entry Funding Corporation Securities is either credited by a Federal Reserve Bank to a Funds Account maintained at such Bank or otherwise paid as directed by the Participant. , (2) Book-entry Funding Corporation Securities are redeemed in accordance with their terms by a Federal Reserve Bank withdrawing the securities from the Participant's Securities Account in which they are maintained and by either crediting the amount of the redemption proceeds, including both principal and interest where applicable, to a Funds Account at such Bank or otherwise paying such principal and interest, as directed by the Participant. The principal of such Securities shall be paid using the proceeds of the noninterest bearing instruments maintained by the Funding Corporation for such purpose. ", "label": "ReportingAndCompliance"}
+{"text": "(a) In general. No Enterprise shall re-direct or pass through the cost of any allocation to the Housing Trust Fund or the Capital Magnet Fund required pursuant to section 1337(a) of the Safety and Soundness Act, 12 U.S.C. 4567(a), through increased charges or fees, or decreased premiums, or in any other manner, to the originators of mortgages purchased or securitized by the Enterprise., (b) Enforcement. Compliance by each Enterprise with the foregoing prohibition shall be enforced under subpart 3 of part B of the Safety and Soundness Act, 12 U.S.C. 4581-89.", "label": "ReportingAndCompliance"}
+{"text": "The commencement of proceedings for judicial review of a final decision and order of the NCUA Board may not, unless specifically ordered by the NCUA Board or a reviewing court, operate as a stay of any order issued by the NCUA Board. The NCUA Board may, in its discretion, and on such terms as it finds just, stay the effectiveness of all or any part of its order pending a final decision on a petition for review of that order. ", "label": "ReportingAndCompliance"}
+{"text": "An institution may not permit any person to sell or offer for sale any insurance product or annuity in any part of its office or on its behalf, unless the person is at all times appropriately qualified and licensed under applicable State insurance licensing standards with regard to the specific products being sold or recommended.", "label": "ConsumerProtection"}
+{"text": "(a) Adoption of commencement resolution. Your board of directors must begin the termination process by adopting a commencement resolution stating your intention to terminate Farm Credit status under section 7.10 of the Act. Immediately after you adopt the commencement resolution, send a certified copy by overnight mail to us and to the Farm Credit System Insurance Corporation (FCSIC). If your institution is an association, also send a copy to your affiliated bank. If your institution is a bank, also send a copy to your affiliated associations, the other Farm Credit banks, and the Federal Farm Credit Banks Funding Corporation (Funding Corporation)., (b) Advance notice. Within 5 business days after adopting the commencement resolution, you must:, (1) Send us copies of all contracts and agreements related to the termination., (2) Subject to paragraph (b)(2)(ii) of this section:, (i) Send an advance notice to all equity holders stating you are taking steps to terminate System status. Immediately upon mailing the notice to equity holders, you must also place it in a prominent location on your Web site. The advance notice must describe the following:, (A) The process of termination;, (B) The expected effect of termination on borrowers and other equity holders, including the effect on borrower rights and the consequences of any stock retirements before termination;, (C) The type of charter the successor institution will have; and, (D) Any bylaw creating a special class of borrower stock and participation certificates under paragraph (f) of this section., (ii) Send us a draft of the advance notice by facsimile or electronic mail before mailing it to your equity holders. If we have not contacted you within 2 business days of our receipt of the draft notice regarding modifications, you may mail the notice to your equity holders., (c) Bank negotiations on joint and several liability. If your institution is a terminating bank, within 10 days of adopting the commencement resolution, your bank and the other Farm Credit banks must begin negotiations to provide for your satisfaction of liabilities (other than your primary liability) under section 4.4 of the Act. The Funding Corporation may, at its option, be a party to the negotiations to the extent necessary to fulfill its duties with respect to financing and disclosure. The agreement must comply with the requirements in § 611.1270(c)., (d) Disclosure to loan applicants and equity holders after commencement resolution. Between the date your board of directors adopts the commencement resolution and the termination date, you must give the following information to your loan applicants and equity holders:, (1) For each loan applicant who is not a current stockholder, describe at the time of loan application:, (i) The effect of the proposed termination on the prospective loan; and, (ii) Whether, after the proposed termination, the borrower will continue to have any of the borrower rights provided under the Act and regulations., (2) For any equity holders who ask to have their equities retired, explain that the retirement would extinguish the holder's right to exchange those equities for an interest in the successor institution. In addition, inform holders of equities entitled to your residual assets in liquidation that retirement before termination would extinguish their right to dissent from the termination and have their equities retired., (e) Terminating bank's right to continue issuing debt. Through the termination date, a terminating bank may continue to participate in the issuance of consolidated and System-wide obligations to the same extent it would be able to participate if it were not terminating., (f) Special class of stock. Notwithstanding any requirements to the contrary in § 615.5230(c) of this chapter, you may adopt bylaws providing for the issuance of a special class of stock and participation certificates between the date of adoption of a commencement resolution and the termination date. Your voting stockholders must approve the special class before you adopt the commencement resolution. The equities must comply with section 4.3A of the Act and be identical in all respects to existing classes of equities that are entitled to the residual assets of the institution in a liquidation, except for the value a holder will receive in a termination. In a termination, the holder of the special class of stock receives value equal to the lower of either par (or face) value, or the value calculated under § 611.1280(c) and (d). A holder must have the same right to vote (if the equity is held on the voting record date) and to dissent as holders of similar equities issued before the commencement resolution. If the termination does not occur, the special classes of stock and participation certificates must automatically convert into shares of the otherwise identical equities.", "label": "CorporateGovernance"}
+{"text": "The Financing Corporation shall file such reports as FHFA shall direct.", "label": "ReportingAndCompliance"}
+{"text": "This section recodifies the requirements from 12 CFR 701.34(b), (c), and (d) that were in effect as of December 31, 2021, with minor modifications. The terminology used in this section is specific to this section. Except as provided in the next sentence, all secondary capital issued under § 701.34 of this chapter before January 1, 2022, or, in the case of a federally insured, state-chartered credit union, § 741.204(c) of this chapter, that is referred to elsewhere in this subpart as “Grandfathered Secondary Capital,” is subject to the requirements set forth in this section. Issuances of secondary capital to the U.S. Government or any of its subdivisions, under applications approved before January 1, 2022, pursuant to § 701.34 or § 741.204(c) of this chapter, are also considered “Grandfathered Secondary Capital” irrespective of the date of issuance., (a) Secondary capital is subject to the following conditions:, (1) Secondary capital plan. A credit union that has Grandfathered Secondary Capital under this section must have a written, NCUA-approved “Secondary Capital Plan” that, at a minimum:, (i) States the maximum aggregate amount of uninsured secondary capital the LICU plans to accept;, (ii) Identifies the purpose for which the aggregate secondary capital will be used, and how it will be repaid;, (iii) Explains how the LICU will provide for liquidity to repay secondary capital upon maturity of the accounts;, (iv) Demonstrates that the planned uses of secondary capital conform to the LICU's strategic plan, business plan, and budget; and, (v) Includes supporting pro forma financial statements, including any off-balance sheet items, covering a minimum of the next two years., (2) Issuances not completed before January 1, 2022. Except as provided in the next sentence, any issuances of secondary capital not completed by January 1, 2022, are, as of January 1, 2022, subject to the requirements applicable to Subordinated Debt discussed elsewhere in this subpart. Issuances of secondary capital to the U.S. Government or any of its subdivisions, under applications approved before January 1, 2022, pursuant to § 701.34 or § 741.204(c) of this chapter, are not subject to the requirements applicable to Subordinated Debt, discussed elsewhere in this subpart, irrespective of the date of issuance., (3) Nonshare account. The secondary capital account is established as an uninsured secondary capital account or other form of non-share account., (4) Minimum maturity. The maturity of the secondary capital account is a minimum of five years., (5) Uninsured account. The secondary capital account is not insured by the National Credit Union Share Insurance Fund or any governmental or private entity., (6) Subordination of claim. The secondary capital account investor's claim against the LICU is subordinate to all other claims including those of shareholders, creditors and the National Credit Union Share Insurance Fund., (7) Availability to cover losses. Funds deposited into a secondary capital account, including interest accrued and paid into the secondary capital account, are available to cover operating losses realized by the LICU that exceed its net available reserves (exclusive of secondary capital and allowance accounts for loan and lease losses), and to the extent funds are so used, the LICU must not restore or replenish the account under any circumstances. The LICU may, in lieu of paying interest into the secondary capital account, pay accrued interest directly to the investor or into a separate account from which the secondary capital investor may make withdrawals. Losses must be distributed pro-rata among all secondary capital accounts held by the LICU at the time the losses are realized. In instances where a LICU accepted secondary capital from the United States Government or any of its subdivisions under the Community Development Capital Initiative of 2010 (“CDCI secondary capital”) and matching funds were required under the Initiative and are on deposit in the form of secondary capital at the time a loss is realized, a LICU must apply either of the following pro-rata loss distribution procedures to its secondary capital accounts with respect to the loss:, (i) If not inconsistent with any agreements governing other secondary capital on deposit at the time a loss is realized, the CDCI secondary capital may be excluded from the calculation of the pro-rata loss distribution until all of its matching secondary capital has been depleted, thereby causing the CDCI secondary capital to be held as senior to all other secondary capital until its matching secondary capital is exhausted. The CDCI secondary capital should be included in the calculation of the pro-rata loss distribution and is available to cover the loss only after all of its matching secondary capital has been depleted., (ii) Regardless of any agreements applicable to other secondary capital, the CDCI secondary capital and its matching secondary capital may be considered a single account for purposes of determining a pro-rata share of the loss and the amount determined as the pro-rata share for the combined account must first be applied to the matching secondary capital account, thereby causing the CDCI secondary capital to be held as senior to its matching secondary capital. The CDCI secondary capital is available to cover the loss only after all of its matching secondary capital has been depleted., (8) Security. The secondary capital account may not be pledged or provided by the account investor as security on a loan or other obligation with the LICU or any other party., (9) Merger or dissolution. In the event of merger or other voluntary dissolution of the LICU, other than merger into another LICU, the secondary capital accounts will be closed and paid out to the account investor to the extent they are not needed to cover losses at the time of merger or dissolution., (10) Contract agreement. A secondary capital account contract agreement must have been executed by an authorized representative of the account investor and of the LICU reflecting the terms and conditions mandated by this section and any other terms and conditions not inconsistent with this section., (11) Disclosure and acknowledgement. An authorized representative of the LICU and of the secondary capital account investor each must have executed a “Disclosure and Acknowledgment” as set forth in the appendix to this subpart at the time of entering into the account agreement. The LICU must retain an original of the account agreement and the “Disclosure and Acknowledgment” for the term of the agreement, and a copy must be provided to the account investor., (12) Prompt corrective action. As provided in this part, the NCUA may prohibit a LICU as classified “critically undercapitalized” or, if “new,” as “moderately capitalized”, “marginally capitalized”, “minimally capitalized” or “uncapitalized,” as the case may be, from paying principal, dividends, or interest on its uninsured secondary capital accounts established after August 7, 2000, except that unpaid dividends or interest will continue to accrue under the terms of the account to the extent permitted by law., (b) Accounting treatment; Recognition of net worth value of accounts - (1) Debt. A LICU that issued secondary capital accounts pursuant to paragraph (a) of this section must record the funds on its balance sheet as a debt titled “uninsured secondary capital account.”, (2) Schedule for recognizing net worth value. The LICU's reflection of the net worth value of the accounts in its financial statement may never exceed the full balance of the secondary capital on deposit after any early redemptions and losses. For accounts with remaining maturities of less than five years, the LICU must reflect the net worth value of the accounts in its financial statement in accordance with the lesser of:, (i) The remaining balance of the accounts after any redemptions and losses; or, (ii) The amounts calculated based on the following schedule:, Table 1 to Paragraph (b)(2)(ii), (3) Financial statement. The LICU must reflect the full amount of the secondary capital on deposit in a footnote to its financial statement., (c) Redemption of secondary capital. With the written approval of NCUA, secondary capital that is not recognized as net worth under paragraph (b)(2) of this section (“discounted secondary capital” re-categorized as Subordinated Debt) may be redeemed according to the remaining maturity schedule in paragraph (c)(3) of this section., (1) Request to redeem secondary capital. A request for approval to redeem discounted secondary capital may be submitted in writing at any time, must specify the increment(s) to be redeemed and the schedule for redeeming all or any part of each eligible increment, and must demonstrate to the satisfaction of NCUA that:, (i) The LICU will have a post-redemption net worth classification of at least “adequately capitalized” under this part;, (ii) The discounted secondary capital has been on deposit at least two years;, (iii) The discounted secondary capital will not be needed to cover losses prior to final maturity of the account;, (iv) The LICU's books and records are current and reconciled;, (v) The proposed redemption will not jeopardize other current sources of funding, if any, to the LICU; and, (vi) The request to redeem is authorized by resolution of the LICU's board of directors., (2) Decision on request. A request to redeem discounted secondary capital may be granted in whole or in part. If a LICU is not notified within 45 days of receipt of a request for approval to redeem secondary capital that its request is either granted or denied, the LICU may proceed to redeem secondary capital accounts as proposed., (3) Schedule for redeeming secondary capital., Table 2 to Paragraph (c)(3), (4) Early redemption exception. Subject to the written approval of NCUA obtained pursuant to the requirements of paragraphs (c)(1) and (2) of this section, a LICU can redeem all or part of secondary capital accepted from the United States Government or any of its subdivisions at any time after the secondary capital has been on deposit for two years. If the secondary capital was accepted under conditions that required matching secondary capital from a source other than the Federal Government, the matching secondary capital may also be redeemed in the manner set forth in the preceding sentence. For purposes of obtaining NCUA's approval, all secondary capital a LICU accepts from the United States Government or any of its subdivisions, as well as its matching secondary capital, if any, is eligible for early redemption regardless of whether any part of the secondary capital has been discounted pursuant to paragraph (b)(2) of this section.", "label": "ReportingAndCompliance"}
+{"text": "(a) Form. Credit unions must make the disclosures required by §§ 707.4 through 707.6 of this part, as applicable, clearly and conspicuously, in writing, and in a form the member or potential member may keep. Credit unions may provide the disclosures required by this part to a member or potential member in electronic form, subject to compliance with the consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act (E-Sign Act), 15 U.S.C. 7001 et seq. Credit unions may provide the disclosures required by §§ 707.4(a)(2) and 707.8 to a member or potential member in electronic form without regard to the consent or other provisions of the E-Sign Act in the circumstances set forth in those sections. Disclosures for each account offered by a credit union may be presented separately or combined with disclosures for the credit union's other accounts, as long as it is clear which disclosures are applicable to the member or potential member's account., (b) General. The disclosures shall reflect the terms of the legal obligation between the member and the credit union. Disclosures may be made in languages other than English, provided the disclosures are available in English upon request., (c) Relation to Regulation E (12 CFR part 1005). Disclosures required by and provided in accordance with the Electronic Fund Transfer Act (15 U.S.C. 1601) and its implementing Regulation E (12 CFR part 1005) that are also required by this part may be substituted for the disclosures required by this part., (d) Multiple members. If an account is held by more than one member, disclosures may be made to any one of the members., (e) Oral responses to inquiries. In an oral response to a member or potential member's inquiry about dividend rates payable on its accounts, the credit union shall state the annual percentage yield. The dividend rate may be stated in addition to the annual percentage yield. No other rate may be stated. In stating a dividend rate and annual percentage yield, a credit union shall:, (1) For dividend-bearing accounts other than term share accounts, specify a dividend rate and annual percentage yield as of the last dividend declaration date. In the event that disclosures of a dividend rate and annual percentage yield as of the last dividend declaration date might be inaccurate because of known or contemplated dividend rate changes, the credit union may disclose the prospective dividend rate and prospective annual percentage yield. Such prospective dividend rate and prospective annual percentage yield may be disclosed either in lieu of, or in addition to, the dividend rate and annual percentage yield as of the last dividend declaration date. , (2) For interest-bearing accounts and for dividend-bearing term share accounts, specify an interest (dividend) rate and annual percentage yield that were offered within the most recent seven calendar days; state that the rate and yield are accurate as of an identified date; and provide a telephone number members may call to obtain current rate information. , (f) Rounding and accuracy rules for rates and yields - (1) Rounding. The annual percentage yield, the annual percentage yield earned, and the dividend rate shall be rounded to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places. For account disclosures, the dividend rate may be expressed to more than two decimal places. , (2) Accuracy. The annual percentage yield (and the annual percentage yield earned) will be considered accurate if not more than one-twentieth of one percentage point (.05%) above or below the annual percentage yield (and the annual percentage yield earned) determined in accordance with the rules in appendix A of this part. ", "label": "ConsumerProtection"}
+{"text": "(a) Penalties under section 10(k) of the FDI Act. A senior examiner of the FDIC who violates the post-employment restrictions set forth in § 336.12 shall be subject to the following penalties - , (1) An order - , (i) Removing such person from office or prohibiting such person from further participation in the affairs of the relevant insured depository institution or company (including a bank holding company or savings and loan holding company) that controls such institution for a period of up to five years, and, (ii) Prohibiting any further participation by such person, in any manner, in the affairs of any insured depository institution for a period of up to five years; or, (2) A civil monetary penalty of not more than $250,000; or, (3) Both., (b) Enforcement by appropriate Federal banking agency of hiring entity. Violations of § 336.12 shall be enforced by the appropriate Federal banking agency of the depository institution, depository institution holding company, or other company at which the violation occurred, as determined under section 10(k)(6), which may be an agency other than the FDIC., (c) Scope of prohibition orders. Any senior examiner who is subject to an order issued under paragraph (a)(1) of this section shall, as required by 12 U.S.C. 1820(k)(6)(B), be subject to paragraphs (6) and (7) of section 8(e) in the same manner and to the same extent as a person subject to an order issued under section 8(e)., (d) Other penalties. The penalties set forth in paragraph (a) of this section are not exclusive, and a senior examiner who violates the restrictions in § 336.12 may also be subject to other administrative, civil, or criminal remedies or penalties as provided by law.", "label": "ReportingAndCompliance"}
+{"text": "Sales of securities of a State savings association or its affiliates at an office of a State savings association may only be made in accordance with the provisions of § 390.340.", "label": "ConsumerProtection"}
+{"text": "Authority for loan approval is vested in the Farm Credit banks and associations.", "label": "CorporateGovernance"}
+{"text": "(a) Equal opportunity notice. Each regulated entity shall publish a statement, endorsed by its Chief Executive Officer and approved by its Board of Directors, confirming its commitment to the principles of equal opportunity in employment and in contracting, at a minimum, regardless of race, color, religion, sex, national origin, disability status, genetic information, age, sexual orientation, gender identity, or status as a parent. The notice also shall confirm commitment against retaliation or reprisal. Publication shall include, at a minimum, conspicuous posting in all regulated entity physical facilities, including through alternative media formats, as necessary, and accessible posting on the regulated entity's Web site. The notice shall be updated and re-published, re-endorsed by the Chief Executive Officer and re-approved by the Board of Directors annually., (b) Policies and procedures. Each regulated entity shall develop, implement, and maintain policies and procedures to ensure, to the maximum extent possible in balance with financially safe and sound business practices, the inclusion and utilization of minorities, women, individuals with disabilities, and minority-, women-, and disabled-owned businesses in all business and activities and at all levels of the regulated entity, including in management, employment, procurement, insurance, and all types of contracts. The policies and procedures of each regulated entity, at a minimum, shall:, (1) Confirm its adherence to the principles of equal opportunity and non-discrimination in employment and in contracting;, (2) Describe its practices and principles for prohibiting discrimination in employment and contracting;, (3) Describe its processes for giving consideration to MWDOBs when reviewing and evaluating contract proposals and hiring service providers as required under § 1223.2(c);, (4) Establish a process for receiving and attempting to resolve complaints of discrimination in employment and in contracting. Publication will include, at a minimum, making the procedure conspicuously accessible to employees and applicants through print, electronic, or alternative media formats, as necessary, and through the regulated entity's Web site;, (5) Establish a process for accepting, reviewing, and granting or denying requests for reasonable accommodations of disabilities from employees or applicants for employment;, (6) Establish a process for accepting, reviewing, and granting or denying requests for reasonable accommodations for religious beliefs or practices from employees or applicants for employment;, (7) Encourage the consideration of diversity in nominating or soliciting nominees for positions on boards of directors and engage in recruiting and outreach directed at encouraging individuals who are minorities, women and individuals with disabilities to seek or apply for employment with the regulated entity;, (8) Establish a process for developing a stand-alone D&I strategic plan or incorporating into its existing strategic plan a D&I plan that proactively focuses on promoting the advancement of D&I. The stand-alone D&I strategic plan and the incorporated D&I plan are hereinafter referred to as the D&I strategic plan;, (9) Except as limited by § 1223.3(b), require that each contract it enters contains a material clause committing the contractor to practice the principles of equal employment opportunity and non-discrimination in all its business activities and requiring each such contractor to include the clause in each subcontract it enters for services or goods provided to the regulated entity;, (10) Identify the types of contracts the regulated entity considers exempt under § 1223.3(b) and any thresholds, exceptions, and limitations the regulated entity establishes for implementing paragraph (c)(2) of this section. The policies and procedures must describe the following:, (i) The rationale and need for the thresholds, exceptions, or limitations;, (ii) The criteria used to implement the thresholds, exceptions, or limitations; and, (iii) Any negative or adverse impact the implementation of the thresholds, exceptions, or limitations would likely have on contracting opportunities for minorities, women, individuals with disabilities, and MWDOBs;, (11) Be published and made accessible to employees, applicants for employment, contractors, potential contractors, and members of the public through print, electronic, or alternative media formats, as necessary, and through the regulated entity's Web site; and, (12) Be reviewed at the direction of the officer immediately responsible for directing the Office of Minority and Women Inclusion, or other office designated to perform the responsibilities of this part, at least annually to assess their effectiveness and to incorporate appropriate changes., (c) Outreach for contracting. Each regulated entity shall establish a program for outreach designed to ensure to the maximum extent possible the inclusion in contracting opportunities of minorities, women, individuals with disabilities, and minority-, women-, and disabled-owned businesses. The program at a minimum shall:, (1) Apply to all contracts entered into by the regulated entity, including contracts with financial institutions, investment banking firms, investment consultants or advisors, financial services entities, mortgage banking firms, asset management entities, underwriters, accountants, brokers, brokers-dealers, and providers of legal services;, (2) Establish policies, procedures and standards requiring the publication of contracting opportunities designed to encourage contractors that are minorities, women, individuals with disabilities, and minority-, women-, and disabled-owned businesses to submit offers or bid for the award of such contracts; and, (3) Ensure the consideration of the diversity of a contractor when the regulated entity reviews and evaluates offers from contractors., (d) D&I strategic planning. By no later than January 25, 2018 the board of directors of each regulated entity shall adopt a D&I strategic plan for promoting D&I of minorities, women, individuals with disabilities, and MWDOBs. The board of directors of each regulated entity shall review the D&I strategic plan at least annually and shall readopt the plan, including any interim amendments, at least every three years., (e) Contents of the D&I strategic plan. The D&I strategic plan shall include the following:, (1) A vision and/or mission statement that addresses the importance of promoting diversity and ensuring the inclusion of minorities, women, and individuals with disabilities in order to fulfill § 1223.2;, (2) Measurable strategic goals and objectives for accomplishing the agreed-upon priorities and intended outcomes developed to advance diversity and ensure the inclusion of minorities, women, and individuals with disabilities at the regulated entity in accordance with § 1223.2; and, (3) A requirement to create and implement action plans to achieve the strategic goals and objectives and management reporting requirements for monitoring the implementation of those goals and objectives.", "label": "ConsumerProtection"}
+{"text": "(a) After receipt of the approvals under §§ 708a.108 and 708a.109 the credit union may complete the conversion., (b) The credit union must complete the conversion within one year of the date of receipt of NCUA approval under § 708a.108. If a credit union fails to complete the conversion within one year the Regional Director will disapprove of the methods and procedures. The credit union's board of directors must then adopt a new conversion proposal and solicit another member vote if it still desires to convert., (c) The Regional Director may, upon timely request and for good cause, extend the one year completion period for an additional six months., (d) After notification by the board of directors of the mutual savings bank or mutual savings association that the conversion has been completed, the NCUA will cancel the insurance certificate of the credit union and, if applicable, the charter of a federal credit union.", "label": "ReportingAndCompliance"}
+{"text": "For purposes of this subpart - , (a) Bank means an insured State nonmember bank as defined in section 3 of the Federal Deposit Insurance Act, 12 U.S.C. 1813., (b) Controlled entity means a corporation, partnership, association, or other business entity with respect to which a bank possesses, directly or indirectly, the power to direct or cause the direction of management and policies, whether through the ownership of voting securities, by contract, or otherwise., (c) FDIC-supervised institution means either a bank or a State savings association., (d) State savings association has the same meaning as in section 3(b)(3) of the Federal Deposit Insurance Act, 12 U.S.C. 1813(b)(3).", "label": "ReportingAndCompliance"}
+{"text": "(a) Disclaimer. Place the following statement in boldface type in the material to be sent to equity holders, either on the notice of meeting or the first page of the plan of termination:, The Farm Credit Administration has not determined if this information is accurate or complete. You should not rely on any statement to the contrary., (b) Summary. The first part of the plan of termination must be a summary that concisely explains:, (1) Which stockholders have a right to vote on the termination and related transactions;, (2) The material changes the termination will cause to the rights of borrowers and other equity holders;, (3) The effect of those changes;, (4) The anticipated benefits and potential disadvantages of the termination;, (5) The right of certain equity holders to dissent and receive payment for their existing equities; and, (6) The estimated termination date., (7) If applicable, an explanation of any corporate restructuring that the successor institution expects to engage in within 18 months after the date of termination., (c) Remaining requirements. You must also disclose the following information to equity holders:, (1) Termination resolution. Provide a certified copy of the termination resolution required under § 611.1220., (2) Plan of termination. Summarize the plan of termination., (3) Benefits and disadvantages. Provide an enumerated statement of the anticipated benefits and potential disadvantages of the termination., (4) Recommendation. Explain the board's basis for recommending the termination., (5) Exit fee. Explain the preliminary exit fee estimate, with any adjustments we require, and estimated expenses of termination and organization of the successor institution., (6) Initial board of directors. List the initial board of directors and senior officers for the successor institution, with a brief description of the business experience of each person, including principal occupation and employment during the past 5 years., (7) Relevant contracts and agreements. Include copies of all contracts and agreements related to the termination, including any proposed contracts in connection with the termination and subsequent operations of the successor institution. The FCA may, in its discretion, permit or require you to provide a summary or summaries of the documents in the disclosure information to be submitted to equity holders instead of copies of the documents., (8) Bylaws and charter. Summarize the provisions of the bylaws and charter of the successor institution that differ materially from your bylaws and charter. The summary must state:, (i) Whether the successor institution will require a borrower to hold an equity interest as a condition for having a loan; and, (ii) Whether the successor institution will require equity holders to do business with the institution., (9) Changes to equity. Explain any changes in the nature of equity investments in the successor institution, such as changes in dividends, patronage, voting rights, preferences, retirement of equities, and liquidation priority. If equities protected under section 4.9A of the Act are outstanding, the plan of termination must state that the Act's protections will be extinguished on termination., (10) Effect of termination on statutory and regulatory rights. Explain the effect of termination on rights granted to equity holders by the Act and FCA regulations. You must explain the effect termination will have on borrower rights granted in the Act and part 617 of this chapter., (11) Loan refinancing by borrowers. (i) State, as applicable, that borrowers may seek to refinance their loans with the System institutions that already serve, or will be permitted to serve, your territory. State that no System institution is obligated to refinance your loans., (ii) If we have assigned the chartered territory you serve to another System institution before the plan of termination is mailed to equity holders, or if another System institution is already chartered to make the same type of loans you make in the chartered territory, identify such institution(s) and provide the following information:, (A) The name, address, and telephone number of the institution; and, (B) An explanation of the institution's procedures for borrowers to apply for refinancing., (iii) If we have not assigned the territory before you mail the plan of termination, give the name, address, and telephone number of the System institution specified by us and state that borrowers may contact the institution for information about loan refinancing., (12) Equity exchanges. Explain the formula and procedure to exchange equity in your institution for equity in the successor institution., (13) Employment, retirement, and severance agreements. Describe any employment agreement or arrangement between the successor institution and any of your senior officers or directors. Describe any severance and retirement plans that cover your employees or directors and state the costs you expect to incur under the plans in connection with the termination., (14) Final exit fee and its calculation. Explain how the final exit fee will be calculated under § 611.1255 and how it will be paid., (15) New charter. Describe the nature and type of financial institution the successor institution will be and any conditions of approval of the new chartering authority or regulator., (16) Differences in successor institution's programs and policies. Summarize any differences between you and the successor institution on:, (i) Interest rates and fees;, (ii) Collection policies;, (iii) Services provided; and, (iv) Any other item that would affect a borrower's lending relationship with the successor institution, including whether a stockholder's ability to borrow from the institution will be restricted., (17) Capitalization. Discuss expected capital requirements of the successor institution, and the amount and method of capitalization., (18) Sources of funding. Explain the sources and manner of funding for the successor institution's operations., (19) Contingent liabilities. Describe how the successor institution will address any contingent liability it will assume from you., (20) Tax status. Summarize the differences in tax status between your institution and the successor institution, and explain how the differences may affect equity holders., (21) Regulatory environment. Describe briefly how the regulatory environment for the successor institution will differ from your current regulatory environment, and any effect on the cost of doing business or the value of stockholders' equity., (22) Dissenters' rights. Explain which equity holders are entitled to dissenters' rights and what those rights are. The explanation must include the estimated liquidation value of the stock, procedures for exercising dissenters' rights, and a statement of when the rights may be exercised., (23) Financial information. (i) Present the following financial data:, (A) A balance sheet and income statement for each of the 3 preceding fiscal years;, (B) A balance sheet as of a date within 90 days of the date you send the plan of termination to us, presented on a comparative basis with the corresponding period of the previous 2 fiscal years;, (C) An income statement for the interim period between the end of the last fiscal year and the date of the balance sheet required by paragraph (d)(23)(i)(B) of this section, presented on a comparative basis with the corresponding period of the previous 2 fiscal years;, (D) A pro forma balance sheet of the successor institution presented as if termination had occurred as of the date of the most recent balance sheet presented in the plan of termination; and, (E) A pro forma summary of earnings for the successor institution presented as if the termination had been effective at the beginning of the interim period between the end of the last fiscal year and the date of the balance sheet presented under paragraph (d)(23)(i)(D) of this section., (ii) The format for the balance sheet and income statement must be the same as the format in your annual report and must contain appropriate footnote disclosures, including data on high-risk assets, other property owned, and allowance for losses., (iii) The financial statements must include either:, (A) A statement signed by the chief executive officer and each board member that the various financial statements are unaudited but have been prepared in all material respects in conformity with GAAP (except as otherwise disclosed) and are, to the best of each signer's knowledge, a fair and accurate presentation of the financial condition of the institution; or, (B) A signed opinion by an independent certified public accountant that the various financial statements have been examined in conformity with generally accepted auditing standards and included such tests of the accounting records and other such auditing procedures as were considered necessary in the circumstances, and, as of the date of the statements, present fairly the financial position of the institution in conformity with GAAP applied on a consistent basis, except as otherwise disclosed., (24) Subsequent financial events. Describe any event after the date of the financial statements, but before the date you send the plan of termination to us, that would have a material impact on your financial condition or the condition of the successor institution., (25) Other subsequent events. Describe any event after you send the plan of termination to us that could have a material impact on any information in the plan of termination., (26) Other material disclosures. Describe any other material fact or circumstance that a stockholder would need to know to make an informed decision on the termination, or that is necessary to make the disclosures not misleading. We may require you to disclose any assessments, analyses, studies, or rulings we require under § 611.1211., (27) Ballot and proxy. Include a ballot and proxy, with instructions on the purpose and authority for their use, and the proper method for the stockholder to sign the proxy., (28) Board of directors certification. Include a certification signed by the entire board of directors as to the truth, accuracy, and completeness of the information contained in the plan of termination. If any director refuses to sign the certification, the director must inform us of the reasons for refusing., (29) Directors' statements. You must include statements, if any, by directors regarding the proposed termination., (d) Requirement to provide updated information. After you send us the plan of termination, you must immediately send us:, (1) Any material change to information in the plan of termination, including financial information, that occurs between the date you file the plan of termination and the termination date;, (2) Copies of any additional written information on the termination that you have given or give to current or prospective equity holders before termination; and, (3) A description of any subsequent event(s) that could have a material impact on any information in the plan of termination or on the termination.", "label": "ReportingAndCompliance"}
+{"text": "(a) A Participant's Security Entitlement is created when a Federal Reserve Bank indicates by book entry that a Book-entry consolidated obligation has been credited to a Participant's Securities Account., (b) A security interest in a Security Entitlement of a Participant in favor of the United States to secure deposits of public money, including, without limitation, deposits to the Treasury tax and loan accounts, or other security interest in favor of the United States that is required by Federal statute, regulation, or agreement, and that is marked on the books of a Federal Reserve Bank is thereby effected and perfected, and has priority over any other interest in the Securities. Where a security interest in favor of the United States in a Security Entitlement of a Participant is marked on the books of a Federal Reserve Bank, such Federal Reserve Bank may rely, and is protected in relying, exclusively on the order of an authorized representative of the United States directing the transfer of the Security. For purposes of this paragraph (b), an “authorized representative of the United States” is the official designated in the applicable regulations or agreement to which a Federal Reserve Bank is a party, governing the security interest., (c)(1) The Banks, FHFA, the Director, the Office of Finance, the United States and the Federal Reserve Banks have no obligation to agree to act on behalf of any Person or to recognize the interest of any transferee of a security interest or other limited interest in a Security Entitlement in favor of any Person except to the extent of any specific requirement of Federal law or regulation or to the extent set forth in any specific agreement with the Federal Reserve Bank on whose books the interest of the Participant is recorded. To the extent required by such law or regulation or set forth in an agreement with a Federal Reserve Bank, or the Federal Reserve Bank Operating Circular, a security interest in a Security Entitlement that is in favor of a Federal Reserve Bank or a Person may be created and perfected by a Federal Reserve Bank marking its books to record the security interest. Except as provided in paragraph (b) of this section, a security interest in a Security Entitlement marked on the books of a Federal Reserve Bank shall have priority over any other interest in the Securities., (2) In addition to the method provided in paragraph (c)(1) of this section, a security interest in a Security Entitlement, including a security interest in favor of a Federal Reserve Bank, may be perfected by any method by which a security interest may be perfected under applicable law as described in § 1270.12(b) or § 1270.13. The perfection, effect of perfection or non-perfection, and priority of a security interest are governed by that applicable law. A security interest in favor of a Federal Reserve Bank shall be treated as a security interest in favor of a clearing corporation in all respects under that law, including with respect to the effect of perfection and priority of the security interest. A Federal Reserve Bank Operating Circular shall be treated as a rule adopted by a clearing corporation for such purposes.", "label": "ReportingAndCompliance"}
+{"text": "NCUA may at any time, based upon supervisory, legal, or safety and soundness reasons, limit any CUSO activities or services, or refuse to permit any CUSO activities or services. Otherwise, an FCU may invest in, loan to, and/or contract with only those CUSOs that are sufficiently bonded or insured for their specific operations and engaged in the preapproved activities and services related to the routine daily operations of credit unions. The specific activities listed within each preapproved category are provided in this section as illustrations of activities permissible under the particular category, not as an exclusive or exhaustive list. , (a) Checking and currency services:, (1) Check cashing;, (2) Coin and currency services; , (3) Money order, savings bonds, travelers checks, and purchase and sale of U.S. Mint commemorative coins services; and, (4) Stored value products; , (b) Clerical, professional and management services:, (1) Accounting services;, (2) Courier services;, (3) Credit analysis;, (4) Facsimile transmissions and copying services;, (5) Internal audits for credit unions;, (6) Locator services;, (7) Management and personnel training and support;, (8) Marketing services;, (9) Research services; , (10) Supervisory committee audits; and, (11) Employee leasing services;, (c) Electronic transaction services:, (1) Automated teller machine (ATM) services;, (2) Credit card and debit card services;, (3) Data processing;, (4) Electronic fund transfer (EFT) services;, (5) Electronic income tax filing;, (6) Payment item processing;, (7) Wire transfer services; and, (8) Cyber financial services;, (d) Financial counseling services:, (1) Developing and administering Individual Retirement Accounts (IRA), Keogh, deferred compensation, and other personnel benefit plans;, (2) Estate planning;, (3) Financial planning and counseling;, (4) Income tax preparation;, (5) Investment counseling; , (6) Retirement counseling; and, (7) Business counseling and consultant services; , (e) Fixed asset services:, (1) Management, development, sale, or lease of fixed assets; and, (2) Sale, lease, or servicing of computer hardware or software;, (f) Insurance brokerage or agency:, (1) Agency for sale of insurance;, (2) Provision of vehicle warranty programs; , (3) Provision of group purchasing programs; and, (4) Real estate settlement services; , (g) Leasing:, (1) Personal property; and, (2) Real estate leasing of excess CUSO property;, (h) Loan support services:, (1) Debt collection services;, (2) Loan processing, servicing, and sales; , (3) Sale of repossessed collateral;, (4) Real estate settlement services;, (5) Purchase and servicing of non-performing loans; and, (6) Referral and processing of loan applications for members whose loan applications have been denied by the credit union; , (i) Record retention, security and disaster recovery services:, (1) Alarm-monitoring and other security services;, (2) Disaster recovery services;, (3) Microfilm, microfiche, optical and electronic imaging, CD-ROM data storage and retrieval services;, (4) Provision of forms and supplies; and, (5) Record retention and storage;, (j) Securities brokerage services;, (k) Shared credit union branch (service center) operations;, (l) Travel agency services;, (m) Trust and trust-related services:, (1) Acting as administrator for prepaid legal service plans;, (2) Acting as trustee, guardian, conservator, estate administrator, or in any other fiduciary capacity; and, (3) Trust services;, (n) Real estate brokerage services;, (o) In connection with providing a permissible service, a CUSO may invest in a non-CUSO service provider. The amount of the CUSO's investment is limited to the amount necessary to participate in the service provider, or a greater amount if necessary to receive a reduced price for goods or services;, (p) Payroll processing services;, (q) Loan origination, including originating, purchasing, selling, and holding any type of loan permissible for Federal credit unions to originate, purchase, sell, and hold, including the authority to purchase and sell participation interests that are permissible for Federal credit unions to purchase and sell; and, (r) Other categories of activities as approved in writing by the NCUA and published on the NCUA's website. Once the NCUA has approved an activity and published that activity on its website, the NCUA will not remove that particular activity from the approved list or make substantial changes to the content or description of that approved activity, except through formal rulemaking procedures.", "label": "ReportingAndCompliance"}
+{"text": "An institution-affiliated party who is suspended or removed from office or prohibited from participation in the institution's affairs may request an informal hearing within 30 days of service of the notice or order. The request shall be filed in writing with the Secretary, Board of Governors of the Federal Reserve System, Washington, DC 20551. The request shall state with particularity the relief desired and the grounds therefor and shall include, when available, supporting evidence in the form of affidavits. If the institution-affiliated party desires to present oral testimony or witnesses at the hearing, the institution-affiliated party must include a request to do so with the request for informal hearing. The request to present oral testimony or witnesses shall specify the names of the witnesses and the general nature of their expected testimony.", "label": "ReportingAndCompliance"}
+{"text": "(a) Return of items - (1) Return of cash items handled by Reserve Banks. A paying bank that receives a cash item from a Reserve Bank, other than for immediate payment over the counter, and that settles for the item as provided in § 210.9(b), may, before it has finally paid the item, return the item to any Reserve Bank (unless its Administrative Reserve Bank directs it to return the item to a specific Reserve Bank) in accordance with subpart C of part 229 of this chapter (Regulation CC), the Uniform Commercial Code, and the Reserve Banks' operating circulars. A paying bank that receives a cash item from a Reserve Bank also may return the item prior to settlement, in accordance with § 210.9(b) and the Reserve Banks' operating circulars. The rules or practices of a clearinghouse through which the item was presented, or a special collection agreement under which the item was presented, may not extend these return times, but may provide for a shorter return time., (2) Return of checks not handled by Reserve Banks. A paying bank that receives a check, other than from a Reserve Bank, and that determines not to pay the check, may send the returned check to any Reserve Bank (unless its Administrative Reserve Bank directs it to send the returned check to a specific Reserve Bank) in accordance with subpart C of part 229 of this chapter (Regulation CC), the Uniform Commercial Code, and the Reserve Banks' operating circulars. A returning bank may send a returned check to any Reserve Bank (unless its Administrative Reserve Bank directs it to send the returned check to a specific Reserve Bank) in accordance with subpart C of part 229 of this chapter (Regulation CC), the Uniform Commercial Code, and the Reserve Banks' operating circulars., (b) Handling of returned checks. (1) The following parties, in the following order, are deemed to have handled a returned check sent to a Reserve Bank under paragraph (a) of this section - , (i) The paying or returning bank;, (ii) The paying bank's or returning bank's Administrative Reserve Bank;, (iii) The Reserve Bank that receives the returned check from the paying or returning bank (if different from the paying bank's or returning bank's Administrative Reserve Bank); and, (iv) Another Reserve Bank, if any, that receives the returned check from a Reserve Bank., (2) A Reserve Bank that is not described in paragraph (b)(1) of this section is not a person that handles a returned check and is not a returning bank with respect to a returned check., (3) The identity and order of the parties under paragraph (b)(1) of this section determine the relationships and the rights and liabilities of the parties under this subpart, part 229 of this chapter (Regulation CC), and the Uniform Commercial Code., (c) Paying bank's and returning bank's agreement. The warranties, indemnities, authorizations, and agreements made pursuant to this paragraph (c) may not be disclaimed and are made whether or not the returned check bears an indorsement of the paying bank or returning bank. By sending a returned check to a Reserve Bank, the paying bank or returning bank does all of the following., (1) Authorization to handle returned check. The paying bank or returning bank authorizes the paying bank's or returning bank's Administrative Reserve Bank, and any other Reserve Bank or returning bank to which the returned check is sent, to handle the returned check (and authorizes any Reserve Bank that handles settlement for the returned check to make accounting entries) subject to this subpart and to the Reserve Banks' operating circulars., (2) Warranties for all returned checks. The paying bank or returning bank warrants to each Reserve Bank handling a returned check that the returned check bears all indorsements applied by parties that previously handled the returned check for forward collection or return., (3) Warranties and indemnities as set forth in Regulation CC. As applicable and unless otherwise provided, a paying bank or returning bank makes to each Reserve Bank that handles the returned check all the warranties and indemnities set forth in and subject to the terms of subparts C and D of part 229 of this chapter (Regulation CC)., (4) Paying bank or returning bank's liability to Reserve Bank. (i) Except as provided in paragraph (c)(4)(ii) and (iii) of this section, a paying bank or returning bank agrees to indemnify each Reserve Bank for any loss or expense (including attorneys' fees and expenses of litigation) resulting from - , (A) The paying or returning bank's lack of authority to give the authorization in paragraph (c)(1) of this section;, (B) Any action taken by a Reserve Bank within the scope of its authority in handling the returned check; or, (C) Any warranty or indemnity made by the Reserve Bank under paragraph (e) of this section or part 229 of this chapter., (ii) A paying bank's or returning bank's liability for warranties and indemnities that a Reserve Bank makes for a returned check that is a substitute check, a paper or electronic representation thereof, or an electronic returned check is subject to the following conditions and limitations - , (A) A paying bank or returning bank that sent an original returned check shall not be liable for any amount that a Reserve Bank pays under subpart D of part 229 of this chapter, or under § 229.34 of this chapter with respect to an electronic returned check, absent the paying bank's or returning bank's agreement to the contrary; and, (B) Nothing in this subpart alters the liability under subpart D of part 229 of this chapter of a paying bank or returning bank that sent a substitute check or a paper or electronic representation of a substitute check or under § 229.34 of this chapter of a paying bank or returning bank that sent an electronic returned check; and, (iii) A paying bank or returning bank shall not be liable for any amount that the Reserve Bank pays under this subpart or part 229 of this chapter that is attributable to the Reserve Bank's own lack of good faith or failure to exercise ordinary care., (d) Paying bank or returning bank's liability under other law. Nothing in paragraph (c) of this section limits any warranty or indemnity by a returning bank or paying bank (or a person that handled an item prior to that bank) arising under state law or regulation (such as the U.C.C.), other federal law or regulation (such as part 229 of this chapter), or an agreement with a Reserve Bank., (e) Warranties by and liability of Reserve Bank - (1) Warranties and indemnities. The following provisions apply when a Reserve Bank handles a returned check under this subpart., (i) Warranties for all items. The Reserve Bank warrants to the bank to which it sends the returned check that the returned check bears all indorsements applied by parties that previously handled the returned check for forward collection or return., (ii) Warranties and indemnities as set forth in Regulation CC. As applicable and unless otherwise provided, the Reserve Bank makes all the warranties and indemnities set forth in and subject to the terms of subparts C and D of part 229 of this chapter (Regulation CC)., (2) Indemnity for substitute check created from electronic returned check. (i) Except as provided in paragraph (e)(2)(ii) of this section, the Reserve Bank shall indemnify the bank to which it transfers or presents an electronic returned check (the recipient bank) for the amount of any losses that the recipient bank incurs under subpart D of part 229 of this chapter (Regulation CC) for an indemnity that the recipient bank was required to make under subpart D of part 229 of this chapter in connection with a substitute check later created from the electronic returned check., (ii) The Reserve Bank shall not be liable under paragraph (e)(2)(i) of this section for any amount that the recipient bank pays under subpart D of part 229 of this chapter that is attributable to the lack of good faith or failure to exercise ordinary care of the recipient bank or a person that handled the item, in any form, after the recipient bank., (3) Liability of Reserve Bank. A Reserve Bank shall not have or assume any other liability to any person except - , (i) For the Reserve Bank's own lack of good faith or failure to exercise ordinary care;, (ii) As provided in this paragraph (e); and, (iii) As provided in subparts C and D of part 229 of this chapter (Regulation CC)., (f) Recovery by Reserve Bank. (1) A Reserve Bank that has handled a returned check may recover as provided in paragraph (f)(2) of this section if an action or proceeding is brought against (or if defense is tendered to) the Reserve Bank based on - , (i) The alleged failure of the paying bank or returning bank to have the authority to give the authorization in paragraph (c)(1) of this section;, (ii) Any action by the Reserve Bank within the scope of its authority in handling the returned check; or, (iii) Any warranty or indemnity made by the Reserve Bank under paragraph (e) of this section or part 229 of this chapter; and, (2) Upon entry of a final judgment or decree in an action or proceeding described in paragraph (f)(1) of this section, a Reserve Bank may recover from the paying bank or returning bank the amount of attorneys' fees and other expenses of litigation incurred, as well as any amount the Reserve Bank is required to pay because of the judgment or decree or the tender of defense, together with interest thereon., (g) Methods of recovery. (1) The Reserve Bank may recover the amount stated in paragraph (f) of this section by charging any account on its books that is maintained or used by the paying bank or returning bank (or by charging another returning Reserve Bank), if - , (i) The Reserve Bank made seasonable written demand on the paying bank or returning bank to assume defense of the action or proceeding; and, (ii) The paying bank or returning bank has not made any other arrangement for payment that is acceptable to the Reserve Bank., (2) The Reserve Bank is not responsible for defending the action or proceeding before using this method of recovery. A Reserve Bank that has been charged under this paragraph (g) may recover from the paying or returning bank in the manner and under the circumstances set forth in this paragraph (g)., (3) A Reserve Bank's failure to avail itself of the remedy provided in this paragraph (g) does not prejudice its enforcement in any other manner of the indemnity agreement referred to in paragraph (c)(4) of this section., (h) Reserve Bank's responsibility. A Reserve Bank shall handle a returned check, or a notice of nonpayment, in accordance with subpart C of part 229 and its operating circular. , (i) Settlement. A subsequent returning bank or depositary bank shall settle with its Administrative Reserve Bank for returned checks in the same manner and by the same time as for cash items presented for payment under this subpart. Settlement with its Administrative Reserve Bank is deemed to be settlement with the Reserve Bank from which the returning bank or depositary bank received the item., (j) Security interest. When a paying or returning bank sends a returned check to a Reserve Bank, the paying bank, returning bank, and any prior returning bank grant to the paying bank's or returning bank's Administrative Reserve Bank a security interest in all of their respective assets in the possession of, or held for the account of, any Reserve Bank, to secure their respective obligations due or to become due to the Administrative Reserve Bank under this subpart or subpart C of part 229 of this chapter (Regulation CC). The security interest attaches when a warranty is breached or any other obligation to the Reserve Bank is incurred. If the Reserve Bank, in its sole discretion, deems itself insecure and gives notice thereof to the paying bank, returning bank, or prior returning bank, or if the paying bank, returning bank, or prior returning bank suspends payments or is closed, the Reserve Bank may take any action authorized by law to recover the amount of an obligation, including, but not limited to, the exercise of rights of set off, the realization on any available collateral, and any other rights it may have as a creditor under applicable law. ", "label": "ReportingAndCompliance"}
+{"text": "(a) Expedited processing for eligible depository institutions - (1) General. An application filed under this subpart by an eligible depository institution as defined in § 303.2(r) and which meets the additional criteria in paragraph (a)(4) of this section will be acknowledged by the FDIC in writing and will receive expedited processing, unless the applicant is notified in writing to the contrary and provided with the basis for that decision. The FDIC may remove an application from expedited processing for any of the reasons set forth in § 303.11(c)(2)., (2) Timing. Under expedited processing, the FDIC will take action on an application by the date that is the latest of:, (i) 45 days after the date of the FDIC's receipt of a substantially complete merger application; or, (ii) 10 days after the date of the last notice publication required under § 303.65 of this subpart; or, (iii) 5 days after receipt of the Attorney General's report on the competitive factors involved in the proposed transaction; or, (iv) For an interstate merger transaction subject to the provisions of section 44 of the FDI Act (12 U.S.C. 1831u), 5 days after the FDIC receives confirmation from the host state (as defined in § 303.41(e)) that the applicant has both complied with the filing requirements of the host state and submitted a copy of the FDIC merger application to the host state's bank supervisor., (3) No automatic approval. Notwithstanding paragraph (a)(1) or (2) of this section, if the FDIC does not act within the expedited processing period, it does not constitute an automatic or default approval., (4) Criteria. The FDIC will process an application using expedited procedures if:, (i) Immediately following the merger transaction, the resulting institution will be “well-capitalized” pursuant to subpart H of part 324 of this chapter (12 CFR part 324), as applicable; and, (ii)(A) All parties to the merger transaction are eligible depository institutions as defined in § 303.2(r); or, (B) The acquiring party is an eligible depository institution as defined in § 303.2(r) and the amount of the total assets to be transferred does not exceed an amount equal to 10 percent of the acquiring institution's total assets as reported in its report of condition for the quarter immediately preceding the filing of the merger application., (b) Standard processing. For those applications not processed pursuant to the expedited procedures, the FDIC will provide the applicant with written notification of the final action taken by the FDIC on the application when the decision is rendered., (c) Processing for State savings associations. Notwithstanding paragraphs (a) and (b) of this section, the FDIC will approve or disapprove an application filed by a State savings association to acquire or be acquired by another insured depository institution that is required to be filed with the FDIC within 60 days after the date of the FDIC's receipt of a substantially complete merger application, subject to the FDIC's discretion to extend such period by an additional 30 days if any material information submitted is substantially inaccurate or incomplete., (1) The FDIC shall notify an applicant that is a State savings association in writing of the date the application is deemed substantially complete. The FDIC may request additional information at any time., (2) Notwithstanding this paragraph (c), if the FDIC does not approve or disapprove an application within the 60-day or extended processing period it does not constitute an automatic or default approval. ", "label": "ReportingAndCompliance"}
+{"text": "(a) The hearing may be held: , (1) In any judicial district of the United States in which the defendant resides or transacts business; , (2) In any judicial district of the United States in which the claim or statement at issue was made; or , (3) In such other place as may be agreed upon by the defendant and the ALJ. , (b) Each party will have the opportunity to present argument with respect to the location of the hearing. , (c) The hearing will be held at the place and at the time ordered by the ALJ. ", "label": "ReportingAndCompliance"}
+{"text": "(a) General. Except as provided in § 217.400(b)(3)(ii), a global systemically important BHC's short-term wholesale funding score is equal to:, (1) The average of the global systemically important BHC's weighted short-term wholesale funding amount (defined in paragraph (b) of this section);, (2) Divided by the global systemically important BHC's average risk-weighted assets; and, (3) Multiplied by a fixed factor of 350., (b) Weighted short-term wholesale funding amount. (1) To calculate its weighted short-term wholesale funding amount, a global systemically important BHC must calculate the amount of its short-term wholesale funding on a consolidated basis for each business day of the previous calendar year and weight the components of short-term wholesale funding in accordance with Table 1 of this section., (2) Short-term wholesale funding includes the following components, each as defined in paragraph (c) of this section:, (i) All funds that the bank holding company must pay under each secured funding transaction, other than an operational deposit, with a remaining maturity of 1 year or less;, (ii) All funds that the bank holding company must pay under all unsecured wholesale funding, other than an operational deposit, with a remaining maturity of 1 year or less;, (iii) The fair value of an asset as determined under GAAP that a bank holding company must return under a covered asset exchange with a remaining maturity of 1 year or less;, (iv) The fair value of an asset as determined under GAAP that the bank holding company must return under a short position to the extent that the borrowed asset does not qualify as a Level 1 liquid asset or a Level 2A liquid asset; and, (v) All brokered deposits held at the bank holding company provided by a retail customer or counterparty., (3) For purposes of calculating the short-term wholesale funding amount and the components thereof, a bank holding company must assume that each asset or transaction described in paragraph (b)(2) of this section matures in accordance with the criteria set forth in 12 CFR 249.31., Table 1 to § 217.406 - Short-Term Wholesale Funding Components and Weights", "label": "CapitalRequirements"}
+{"text": "Section 32 of the Glass-Steagall Act (12 U.S.C. 78) prohibits any officer, director, or employee of any corporation or unincorporated association, any partner or employee of any partnership, and any individual, primarily engaged in the issue, flotation, underwriting, public sale, or distribution, at wholesale or retail, or through syndicate participation, of stocks, bonds, or other similar securities, from serving at the same time as an officer, director, or employee of any member bank of the Federal Reserve System. The Board is of the opinion that to the extent that a company, other entity or person is engaged in securities activities that are expressly authorized for a state member bank under section 16 of the Glass-Steagall Act (12 U.S.C. 24(7), 335), the company, other entity or individual is not engaged in the types of activities described in section 32. In addition, a securities broker who is engaged solely in executing orders for the purchase and sale of securities on behalf of others in the open market is not engaged in the business referred to in section 32.", "label": "ConsumerProtection"}
+{"text": "(a) FHFA Employees. Current FHFA employees may disclose or permit the disclosure of non-public information to another FHFA employee or regulated entity or the Office of Finance, when necessary and appropriate, for the performance of their official duties., (b) Regulated Entity Agents and Consultants. (1) When necessary and appropriate for regulated entity or Office of Finance business purposes, a regulated entity, the Office of Finance, or any director, officer, or employee thereof may disclose confidential supervisory information to any person currently engaged by the regulated entity or the Office of Finance, as officer, director, employee, attorney, auditor, or independent auditor (“regulated entity agents”)., (2) A regulated entity, the Office of Finance, or a director, officer, employee, or agent thereof, also may disclose confidential supervisory information to a consultant under this paragraph if the consultant is under a written contract to provide services to the regulated entity or the Office of Finance and the consultant has agreed in writing:, (i) To abide by the prohibition on the disclosure of confidential supervisory information contained in this section; and, (ii) That it will not use the confidential supervisory information for any purposes other than those stated in its contract to provide services to the regulated entity or the Office of Finance., (c) Law Enforcement Proceedings. Notwithstanding the general prohibition of disclosure of non-public information, to the minimum extent required by the Inspector General Act, Public Law 95-452, 92 Stat. 1101 (1978), FHFA's Office of Inspector General is permitted under this section to disclose non-public FHFA information without Director approval., (d) Privilege. FHFA retains all privilege claims for non-public information shared under § 1214.4, including, but not limited to attorney-client, attorney-work product, deliberative process, and examination privileges.", "label": "RiskManagement"}
+{"text": "(a) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation to the consumer about your products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by § 222.21(a)(1)(ii) of this part., (b) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if:, (1) By mail. The opt-out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means., (2) By electronic means. (i) The opt-out notice is provided electronically to the consumer, such as by posting the notice at an Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means., (ii) The opt-out notice is provided to the consumer by e-mail where the consumer has agreed to receive disclosures by e-mail from the person sending the notice. The consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable means., (3) At the time of an electronic transaction. The opt-out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on an Internet Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted., (4) At the time of an in-person transaction. The opt-out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a “yes” or “no” to indicate their opt-out preference or that requires the consumer to check one of two blank check boxes - one that allows consumers to indicate that they want to opt out and one that allows consumers to indicate that they do not want to opt out., (5) By including in a privacy notice. The opt-out notice is included in a Gramm-Leach-Bliley Act privacy notice. The consumer is allowed to exercise the opt-out within a reasonable period of time and in the same manner as the opt-out under that privacy notice.", "label": "ConsumerProtection"}
+{"text": "(a) Adequately capitalized correspondents.1 For the purpose of this part, a correspondent is considered adequately capitalized if the correspondent has:, 1 As used in this part, the term “adequately capitalized” is similar but not identical to the definition of that term as used for the purposes of the prompt corrective action standards. See, e.g. 12 CFR part 208, subpart D., (1) A total risk-based capital ratio, as defined in paragraph (e)(1) of this section, of 8.0 percent or greater;, (2) A Tier 1 risk-based capital ratio, as defined in paragraph (e)(2) of this section, of 4.0 percent or greater; and, (3) A leverage ratio, as defined in paragraph (e)(3) of this section, of 4.0 percent or greater., (4) Notwithstanding paragraphs (a)(1) through (3) of this section, a qualifying community banking organization (as defined in § 217.12 of this chapter) that is subject to the community bank leverage ratio (as defined in § 217.12 of this chapter) is considered to have met the minimum capital requirements in this paragraph (a)., (b) Frequency of monitoring capital levels. A bank shall obtain information to demonstrate that a correspondent is at least adequately capitalized on a quarterly basis, either from the most recently available Report of Condition and Income, Thrift Financial Report, financial statement, or bank rating report for the correspondent. For a foreign bank correspondent for which quarterly financial statements or reports are not available, a bank shall obtain such information on as frequent a basis as such information is available. Information obtained directly from a correspondent for the purpose of this section should be based on the most recently available Report of Condition and Income, Thrift Financial Report, or financial statement of the correspondent., (c) Foreign banks. A correspondent that is a foreign bank may be considered adequately capitalized under this section without regard to the minimum leverage ratio required under paragraph (a)(3) of this section., (d) Reliance on information. A bank may rely on information as to the capital levels of a correspondent obtained from the correspondent, a bank rating agency, or other party that it reasonably believes to be accurate., (e) Definitions. For the purposes of this section:, (1) Total risk-based capital ratio means the ratio of qualifying total capital to weighted risk assets., (2) Tier 1 risk-based capital ratio means the ratio of Tier 1 capital to weighted risk assets., (3) Leverage ratio means the ratio of Tier 1 capital to average total consolidated assets, as calculated in accordance with the capital adequacy guidelines of the correspondent's primary federal supervisor., (f) Calculation of capital ratios. (1) For a correspondent that is a U.S. depository institution, the ratios shall be calculated in accordance with the capital adequacy guidelines of the correspondent's primary federal supervisor., (2) For a correspondent that is a foreign bank organized in a country that has adopted the risk-based framework of the Basel Capital Accord, the ratios shall be calculated in accordance with the capital adequacy guidelines of the appropriate supervisory authority of the country in which the correspondent is chartered., (3) For a correspondent that is a foreign bank organized in a country that has not adopted the risk-based framework of the Basel Capital Accord, the ratios shall be calculated in accordance with the provisions of the Basel Capital Accord.", "label": "CapitalRequirements"}
+{"text": "(a) Purpose. This section is issued to assure that all state member banks establish and maintain procedures reasonably designed to assure and monitor their compliance with the provisions of the Bank Secrecy Act (31 U.S.C. 5311, et seq.) and the implementing regulations promulgated thereunder by the Department of Treasury at 31 CFR part 103, requiring recordkeeping and reporting of currency transactions., (b) Establishment of BSA compliance program - (1) Program requirement. Each bank shall develop and provide for the continued administration of a program reasonably designed to ensure and monitor compliance with the recordkeeping and reporting requirements set forth in subchapter II of chapter 53 of title 31, United States Code, the Bank Secrecy Act, and the implementing regulations promulgated thereunder by the Department of the Treasury at 31 CFR part 103. The compliance program shall be reduced to writing, approved by the board of directors, and noted in the minutes., (2) Customer identification program. Each bank is subject to the requirements of 31 U.S.C. 5318(l) and the implementing regulation jointly promulgated by the Board and the Department of the Treasury at 31 CFR 103.121, which require a customer identification program to be implemented as part of the BSA compliance program required under this section., (c) Contents of compliance program. The compliance program shall, at a minimum:, (1) Provide for a system of internal controls to assure ongoing compliance;, (2) Provide for independent testing for compliance to be conducted by bank personnel or by an outside party;, (3) Designate an individual or individuals responsible for coordinating and monitoring day-to-day compliance; and, (4) Provide training for appropriate personnel.", "label": "ReportingAndCompliance"}
+{"text": "For purposes of this part, the term:, Minimum capital level means the lowest amount of capital meeting any regulation or orders issued pursuant to 12 U.S.C. 1426 and 12 U.S.C. 4612, or any similar requirement established by regulation, order or other action., Rescission means a removal in whole or in part of an increase in the temporary minimum capital level.", "label": "CapitalRequirements"}
+{"text": "(a) In general. (1) A foreign savings and loan holding company subject to this subpart must:, (i) Be subject on a consolidated basis to a capital stress testing regime by its home-country supervisor that meets the requirements of paragraph (a)(2) of this section; and, (ii) Conduct such stress tests or be subject to a supervisory stress test and meet any minimum standards set by its home-country supervisor with respect to the stress tests., (2) The capital stress testing regime of a foreign savings and loan holding company's home-country supervisor must include:, (i) A supervisory capital stress test conducted by the relevant home-country supervisor or an evaluation and review by the home-country supervisor of an internal capital adequacy stress test conducted by the foreign savings and loan holding company, conducted on at least a biennial basis; and, (ii) Requirements for governance and controls of stress testing practices by relevant management and the board of directors (or equivalent thereof)., (b) Additional standards. (1) Unless the Board otherwise determines in writing, a foreign savings and loan holding company that does not meet each of the requirements in paragraphs (a)(1) and (2) of this section must:, (i) Conduct an annual stress test of its U.S. subsidiaries to determine whether those subsidiaries have the capital necessary to absorb losses as a result of adverse economic conditions; and, (ii) Report on at least a biennial basis a summary of the results of the stress test to the Board that includes a description of the types of risks included in the stress test, a description of the conditions or scenarios used in the stress test, a summary description of the methodologies used in the stress test, estimates of aggregate losses, pre-provision net revenue, total loan loss provisions, net income before taxes and pro forma regulatory capital ratios required to be computed by the home-country supervisor of the foreign savings and loan holding company and any other relevant capital ratios, and an explanation of the most significant causes for any changes in regulatory capital ratios., (2) An enterprise-wide stress test that is approved by the Board may meet the stress test requirement of paragraph (b)(1)(ii) of this section.", "label": "CapitalRequirements"}
+{"text": "Each institution shall: , (a) Maintain at all times an allowance for loan losses that is determined according to generally accepted accounting principles. , (b) Develop, adopt, and consistently apply policies and procedures governing the establishment and maintenance of the allowance for loan losses which, at a minimum, conform to the rules, definitions, and standards set forth in this part and any other applicable requirements. , (c) Charge-off loans, wholly or partially, as appropriate, at the time they are determined to be uncollectible. , (d) Ensure that when an institution or the Farm Credit Administration determines that the value of a loan or other asset recorded on its books and records exceeds the amount that can reasonably be expected to be collectible, or when the documentation supporting the recorded asset value is inadequate, the institution shall immediately charge off the asset in the amount determined to be uncollectible. If the amount determined to be uncollectible by the institution is different from the amount determined to be uncollectible by the Farm Credit Administration, the institution shall charge off such amount as the Farm Credit Administration shall direct. ", "label": "RiskManagement"}
+{"text": "(a) Effective date. A cease-and-desist order issued by the Board of Directors after a hearing, and a cease-and-desist order issued based upon a default, shall become effective at the expiration of 30 days after the service of the order upon the bank or its official. A cease-and-desist order issued upon consent shall become effective at the time specified therein. All cease-and-desist orders shall remain effective and enforceable, except to the extent they are stayed, modified, terminated, or set aside by the Board of Directors or its designee or by a reviewing court. , (b) Service on banks. In cases where the bank is not the respondent, the cease-and-desist order shall also be served upon the bank. ", "label": "ReportingAndCompliance"}
+{"text": "The following transactions require the Board's prior approval under section 3 of the Bank Holding Company Act except as exempted under § 225.12 or as otherwise covered by § 225.17 of this subpart:, (a) Formation of bank holding company. Any action that causes a bank or other company to become a bank holding company., (b) Acquisition of subsidiary bank. Any action that causes a bank to become a subsidiary of a bank holding company., (c) Acquisition of control of bank or bank holding company securities. (1) The acquisition by a bank holding company of direct or indirect ownership or control of any voting securities of a bank or bank holding company, if the acquisition results in the company's control of more than 5 percent of the outstanding shares of any class of voting securities of the bank or bank holding company., (2) An acquisition includes the purchase of additional securities through the exercise of preemptive rights, but does not include securities received in a stock dividend or stock split that does not alter the bank holding company's proportional share of any class of voting securities., (d) Acquisition of bank assets. The acquisition by a bank holding company or by a subsidiary thereof (other than a bank) of all or substantially all of the assets of a bank., (e) Merger of bank holding companies. The merger or consolidation of bank holding companies, including a merger through the purchase of assets and assumption of liabilities., (f) Transactions by foreign banking organization. Any transaction described in paragraphs (a) through (e) of this section by a foreign banking organization that involves the acquisition of an interest in a U.S. bank or in a bank holding company for which application would be required if the foreign banking organization were a bank holding company.", "label": "CorporateGovernance"}
+{"text": "(a) You and any person who performs services for us must not provide preferential treatment to any person in your dealings with the public on our behalf. , (b) You must ensure that any person you employ to perform services for us is informed about their responsibilities under this part. , (c) You must disclose to us waste, fraud, abuse or corruption. Contact the Inspector General at 1-800-964-FDIC or Ighotline@fdic.gov., (d) You and any person who performs contract services to us must not: , (1) Accept or solicit for yourself or others any favor, gift, or other item of monetary value from any person who you reasonably believe is seeking an official action from you on our behalf, or has an interest that the performance or nonperformance of your duties to us may substantially affect;, (2) Use or allow the use of our property, except as specified in the contract; , (3) Make an unauthorized promise or commitment on our behalf; or , (4) Provide impermissible gifts or entertainment to an FDIC employee or other person providing services to us. , (e) The following are examples of when you are engaging in unethical behavior. These examples are not inclusive. , (1) Using government resources, including our Internet connection, to conduct any business that is unrelated to the performance of your contract with us. , (2) Submitting false invoices or claims, or making misleading or false statements. , (3) Committing us to forgive or restructure a debt or portion of a debt, unless we provide you with written authority to do so. ", "label": "CorporateGovernance"}
+{"text": "(a) Payment. A receiving bank (other than a Federal Reserve Bank) that receives a payment order from its Federal Reserve Bank authorizes that Federal Reserve Bank to pay for the payment order by crediting the amount of the payment order to the receiving bank's account. , (b) Off-line banks. An off-line bank that does not expressly notify its Federal Reserve Bank in writing that it maintains an account for another bank warrants to that Federal Reserve Bank that the off-line bank does not act as an intermediary bank or a beneficiary's bank with respect to payment orders received through the Fedwire Funds Service for a beneficiary that is a bank. ", "label": "ReportingAndCompliance"}
+{"text": "(a)(1) When the Board appeals and the case involves removal, separation, or suspension continuing beyond the date of the appeal, and when the administrative judge orders retroactive restoration, the Board shall comply with the decision to the extent of the temporary or conditional restoration of the employee to duty status in the position specified in the decision, pending the outcome of the Board appeal. The employee may decline the offer of interim relief. , (2) Service under the temporary or conditional restoration provisions of paragraph (a)(1) of this section shall be credited toward the completion of a probationary or trial period, eligibility for a within-grade increase, or the completion of the service requirement for career tenure, if the Commission upholds the decision on appeal. Such service shall not be credited toward the completion of any applicable probationary or trial period or the completion of the service requirement for career tenure if the Commission reverses the decision on appeal. , (3) When the Board appeals, it may delay the payment of any amount, other than prospective pay and benefits, ordered to be paid to the complainant until after the appeal is resolved. If the Board delays payment of any amount pending the outcome of the appeal and the resolution of the appeal requires the Board to make the payment, then the Board shall pay interest from the date of the original decision until payment is made., (4) The Board shall notify the Commission and the employee in writing at the same time it appeals that the relief it provides is temporary or conditional and, if applicable, that it will delay the payment of any amounts owed but will pay interest as specified in paragraph (b)(2) of this section. Failure of the Board to provide notification will result in the dismissal of the Board's appeal., (5) The Board may, by notice to the complainant, decline to return the complainant to his or her place of employment if it determines that the return or presence of the complainant will be unduly disruptive to the work environment. However, prospective pay and benefits must be provided. The determination not to return the complainant to his or her place of employment is not reviewable. A grant of interim relief does not insulate a complainant from subsequent disciplinary or adverse action., (b) If the Board files an appeal and has not provided required interim relief, the complainant may request dismissal of the Board's appeal. Any such request must be filed with the Office of Federal Operations within 25 days of the date of service of the Board's appeal. A copy of the request must be served on the Board at the same time it is filed with EEOC. The Board may respond with evidence and argument to the complainant's request to dismiss within 15 days of the date of service of the request.", "label": "ReportingAndCompliance"}
diff --git a/data/five_examples_annotated.jsonl b/data/five_examples_annotated.jsonl
new file mode 100644
index 0000000000000000000000000000000000000000..14889561beb4f93187d3b4783367c4b3807acdd9
--- /dev/null
+++ b/data/five_examples_annotated.jsonl
@@ -0,0 +1,5 @@
+{"text":"Banks that are at risk of failing selling bonds? Absolutely not! The idea of where this money needs to come from should've been a thought that was had before these institutions took on crazy amounts of leverage and debt they couldn't pay. It's an obvious attempt at shifting the massive risk they hold onto unsuspecting investors instead of owning the bag themselves, and admitting they had no real risk management. Free money is becoming a thing of the past, it's time for these institutions to grow up and learn. Failure is always an option. Funds raised by selling off these bonds has a high chance of being similarly mismanaged by these at risk of failing institutions due to the aforementioned lack of real risk management. Actions speak louder than words, and we still live in the shadow of a great financial crisis (hmm, I wonder who could've caused that and why?) And constantly throwing the average Joe under the bus does a pretty bad job of helping maintain public confidence in the finance system.","meta":{"chapter":["X"],"chapter_title":["X"],"subchapter":["X"],"subchapter_title":["X"],"part":["X"],"part_title":["X"],"section":["X"],"section_title":["X"]},"_input_hash":1176382075,"_task_hash":-1757421960,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","config":{"choice_style":"single"},"accept":["RiskManagement"],"answer":"accept","_timestamp":1712013336,"_annotator_id":"2024-04-01_19-14-05","_session_id":"2024-04-01_19-14-05"}
+{"text":"The Wisconsin Bankers Association (WBA) is the largest financial trade association in Wisconsin, representing over 200 state and nationally chartered banks, savings banks,and savings and loan associations located in communities throughout the State. WBA appreciates the opportunity to comment on the interim final rule. Over the past year, the Board of Governors of the Federal Reserve System (FRB) issued several interim final rules to except certain loans that are guaranteed under the Small Business Administration's (SBA's) Paycheck Protection Program (PPP) from the requirements of the Federal Reserve Act and the corresponding provisions of Regulation O.To reflect the latest program extension by Congress, FRB issued this interim final rule to extend the Regulation O exception to PPP loans through March 31, 2022. WBA filed comment letters in support of FRB's previous interim final rules as the removal of Regulation O obstacles through the exception has helped allow Wisconsin's banks to more efficiently address the needs of their insider-owned small businesses. FRB'spast interim final rules have helped ensuree ligible businesses have timely access to liquidity to help overcome economic hurdles resulting from the effects of COVID-19 and the mitigating efforts in effect throughout Wisconsin. WBA appreciates FRB's actions to provide continued clarity that loans made by a bank to insider-owned businesses that are guaranteed under SBA's PPP remain excepted from the Federal Reserve Act and the corresponding provisions of Regulation O. Without an extension of the exception, WBA fears some auditors and examiners would treat such loans differently than PPP loans made on or before June 30 ,2020. As have been requirements of the program since inception, any PPP loan made during the extended program period must still meet certain eligibility and documentation criteria, and have the same interest rate, payment, and loan term. Additionally, all eligibility and documentation criteria and all loan terms and program requirements remain exclusively set by SBA and cannot be altered by the lender. Therefore, FRB should once again extend its exception for PPP loans; this time for PPP loans made through March 31 ,2022. WBA also appreciates FRB's efforts to have promulgated the interim final rules in such a straight-forward manner and for using plain language in its interim final rules. WBA encourages FRB to continue such efforts in future rule makings and for any other regulatory review efforts.","meta":{"chapter":["X"],"chapter_title":["X"],"subchapter":["X"],"subchapter_title":["X"],"part":["X"],"part_title":["X"],"section":["X"],"section_title":["X"]},"_input_hash":-911101708,"_task_hash":990631396,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1712013360,"_annotator_id":"2024-04-01_19-14-05","_session_id":"2024-04-01_19-14-05"}
+{"text":"How about you crooks focus on the billions being laundered by banks in plain fucking sight instead of intruding in our lives more. Disgusting.","meta":{"chapter":["X"],"chapter_title":["X"],"subchapter":["X"],"subchapter_title":["X"],"part":["X"],"part_title":["X"],"section":["X"],"section_title":["X"]},"_input_hash":-811350975,"_task_hash":-40050730,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1712013381,"_annotator_id":"2024-04-01_19-14-05","_session_id":"2024-04-01_19-14-05"}
+{"text":"This proposal [R-1726], if adopted, would prove to be an invasion of privacy. In terms of digital assets, crypto exchanges are not held accountable in the same way that other financial institutions are, and have a track record of bad operational security when it comes to securely storing client information.","meta":{"chapter":["X"],"chapter_title":["X"],"subchapter":["X"],"subchapter_title":["X"],"part":["X"],"part_title":["X"],"section":["X"],"section_title":["X"]},"_input_hash":1561544394,"_task_hash":1870235216,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1712013409,"_annotator_id":"2024-04-01_19-14-05","_session_id":"2024-04-01_19-14-05"}
+{"text":"Amendments to 20402(d)(2) and 204.2(e)(2) and (4) make a savings account without transfer/withdrawal limits transaction accounts. Can a depository institution avoid having a savings account be a transaction account by imposing a transfer/withdrawal restriction? Must such a restriction be absolute, or can it be suggested though the imposition of transaction fees for excess transfers/withdrawals in a stated period? The prefatory text, including the FAQ found there consistently uses the verb 'suspend.' Is 'suspend' used in the dictionary sense of 'temporarily prevent from continuing or being in force or effect'? If so, is that deliberate so as to suggest that it's expected that depository institutions will re-impose transfer/withdrawal limits at some future date (e.g., once the local economy recovers from the present pandemic)? Does the Board anticipate reinstating savings account transfer limits in the future, or believe that they will be reimposed by depository institutions as an account or contract provision? Relationship to Regulation CC A related question regarding the impact of the Reg D changes on the definition of 'account' in Regulation CC (12 CFR Part 229), which appears in the definition to exclude, except for the purposes of subpart D, any savings account described in 12 CFR 204.2(d)(2) 'even though such accounts permit third party transfers.' I note that the Official Interpretations applicable to the 229.2(a)(1) definition of 'account' in Regulation CC suggests that savings deposits are excluded because they :'may have limited third party payment powers,' and the Board believed the 'EFA Act is intended to apply only to accounts that permit UNLIMITED (emphasis added) third party transfers.' Will, then, a bank that 'suspends' its limits on savings deposit transfers and withdrawals be perforce (and perhaps unwittingly) making those savings accounts subject to Regulation CC, or does the Regulation CC 'account' definition continue to exclude savings accounts as described in 204.2(d)(2)? Thank you for your consideration of these comments and questions.","meta":{"chapter":["X"],"chapter_title":["X"],"subchapter":["X"],"subchapter_title":["X"],"part":["X"],"part_title":["X"],"section":["X"],"section_title":["X"]},"_input_hash":896639517,"_task_hash":91898396,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1712013432,"_annotator_id":"2024-04-01_19-14-05","_session_id":"2024-04-01_19-14-05"}
diff --git a/data/goldenEval.jsonl b/data/goldenEval.jsonl
new file mode 100644
index 0000000000000000000000000000000000000000..e84eda9fcc20f4a43cd36b86ef772bfb5f0c8ac8
--- /dev/null
+++ b/data/goldenEval.jsonl
@@ -0,0 +1,200 @@
+{"text":"By March 31 of each year:, (a) A U.S. financial company (other than a U.S. financial company that is required to file the Bank Consolidated Reports of Condition and Income (Call Report), the Consolidated Financial Statements for Holding Companies (FR Y-9C), the Parent Company Only Financial Statements for Small Holding Companies (FR Y-9SP), or the Parent Company Only Financial Statements for Large Holding Companies (FR Y-9LP), or is required to report consolidated total liabilities on the Quarterly Savings and Loan Holding Company Report (FR 2320)) must report to the Board its consolidated liabilities as of the previous calendar year-end in the manner and form prescribed by the Board; and, (b) A foreign financial company (other than a foreign financial company that is required to file a FR Y-7) must report to the Board its U.S. liabilities as of the previous calendar year-end in the manner and form prescribed by the Board.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["251"],"part_title":["PART 251 - CONCENTRATION LIMIT (REGULATION XX)"],"section":["251.6"],"section_title":["\u00a7 251.6 Reporting requirements."]},"_input_hash":879174057,"_task_hash":54406619,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711810255,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"By March 31 of each year:, (a) A U.S. financial company (other than a U.S. financial company that is required to file the Bank Consolidated Reports of Condition and Income (Call Report), the Consolidated Financial Statements for Holding Companies (FR Y-9C), the Parent Company Only Financial Statements for Small Holding Companies (FR Y-9SP), or the Parent Company Only Financial Statements for Large Holding Companies (FR Y-9LP), or is required to report consolidated total liabilities on the Quarterly Savings and Loan Holding Company Report (FR 2320)) must report to the Board its consolidated liabilities as of the previous calendar year-end in the manner and form prescribed by the Board; and, (b) A foreign financial company (other than a foreign financial company that is required to file a FR Y-7) must report to the Board its U.S. liabilities as of the previous calendar year-end in the manner and form prescribed by the Board.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["251"],"part_title":["PART 251 - CONCENTRATION LIMIT (REGULATION XX)"],"section":["251.6"],"section_title":["\u00a7 251.6 Reporting requirements."]},"_input_hash":879174057,"_task_hash":54406619,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711810255,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) General rule. All proceedings governed by subpart C of this part shall be conducted consistent with the provisions of chapter 5 of title 5 of the United States Code. The presiding officer shall have complete charge of the adjudicative proceeding, conduct a fair and impartial hearing, avoid unnecessary delay, and assure that a complete record of the proceeding is made., (b) Powers. The presiding officer shall have all powers necessary to conduct the proceeding in accordance with paragraph (a) of this section and 5 U.S.C. 556(c). The presiding officer is authorized to:, (1) Control the proceedings. (i) Upon reasonable notice to the parties, not earlier than 30 days or later than 60 days after service of a notice of charges under the Safety and Soundness Act, set a date, time, and place for an evidentiary hearing on the record, within the District of Columbia, as provided in section 1373 of the Safety and Soundness Act (12 U.S.C. 4633), in a scheduling order that may be issued in conjunction with the initial scheduling conference set under \u00a7 1209.36, or otherwise as the presiding officer finds in the best interest of justice, in accordance with this part; and, (ii) Upon reasonable notice to the parties, reset or change the date, time, or place (within the District of Columbia) of an evidentiary hearing;, (2) Continue or recess the hearing in whole or in part for a reasonable period of time;, (3) Hold conferences to address legal or factual issues, or evidentiary matters materially relevant to the charges or allowable defenses; to regulate the timing and scope of discovery and rule on discovery plans; or otherwise to consider matters that may facilitate an effective, fair, and expeditious disposition of the proceeding;, (4) Administer oaths and affirmations;, (5) Issue and enforce subpoenas, subpoenas duces tecum, discovery and protective orders, as authorized by this part, and to revoke, quash, or modify such subpoenas issued by the presiding officer;, (6) Take and preserve testimony under oath;, (7) Rule on motions and other procedural matters appropriate in an adjudicatory proceeding, except that only the Director shall have the power to grant summary disposition or any motion to dismiss the proceeding or to make a final determination of the merits of the proceeding;, (8) Take all actions authorized under this part to regulate the scope, timing, and completion of discovery of any non-privileged documents that are materially relevant to the charges or allowable defenses;, (9) Regulate the course of the hearing and the conduct of representatives and parties;, (10) Examine witnesses;, (11) Receive materially relevant evidence, and rule upon the admissibility of evidence or exclude, limit, or otherwise rule on offers of proof;, (12) Upon motion of a party, take official notice of facts;, (13) Recuse himself upon his own motion or upon motion made by a party;, (14) Prepare and present to the Director a recommended decision as provided in this part;, (15) Establish time, place, and manner limitations on the attendance of the public and the media for any public hearing; and, (16) Do all other things necessary or appropriate to discharge the duties of a presiding officer.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1209"],"part_title":["PART 1209 - RULES OF PRACTICE AND PROCEDURE"],"section":["1209.11"],"section_title":["\u00a7 1209.11 Authority of the Presiding Officer."]},"_input_hash":1091837999,"_task_hash":-1365728211,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711810595,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) General rule. All proceedings governed by subpart C of this part shall be conducted consistent with the provisions of chapter 5 of title 5 of the United States Code. The presiding officer shall have complete charge of the adjudicative proceeding, conduct a fair and impartial hearing, avoid unnecessary delay, and assure that a complete record of the proceeding is made., (b) Powers. The presiding officer shall have all powers necessary to conduct the proceeding in accordance with paragraph (a) of this section and 5 U.S.C. 556(c). The presiding officer is authorized to:, (1) Control the proceedings. (i) Upon reasonable notice to the parties, not earlier than 30 days or later than 60 days after service of a notice of charges under the Safety and Soundness Act, set a date, time, and place for an evidentiary hearing on the record, within the District of Columbia, as provided in section 1373 of the Safety and Soundness Act (12 U.S.C. 4633), in a scheduling order that may be issued in conjunction with the initial scheduling conference set under \u00a7 1209.36, or otherwise as the presiding officer finds in the best interest of justice, in accordance with this part; and, (ii) Upon reasonable notice to the parties, reset or change the date, time, or place (within the District of Columbia) of an evidentiary hearing;, (2) Continue or recess the hearing in whole or in part for a reasonable period of time;, (3) Hold conferences to address legal or factual issues, or evidentiary matters materially relevant to the charges or allowable defenses; to regulate the timing and scope of discovery and rule on discovery plans; or otherwise to consider matters that may facilitate an effective, fair, and expeditious disposition of the proceeding;, (4) Administer oaths and affirmations;, (5) Issue and enforce subpoenas, subpoenas duces tecum, discovery and protective orders, as authorized by this part, and to revoke, quash, or modify such subpoenas issued by the presiding officer;, (6) Take and preserve testimony under oath;, (7) Rule on motions and other procedural matters appropriate in an adjudicatory proceeding, except that only the Director shall have the power to grant summary disposition or any motion to dismiss the proceeding or to make a final determination of the merits of the proceeding;, (8) Take all actions authorized under this part to regulate the scope, timing, and completion of discovery of any non-privileged documents that are materially relevant to the charges or allowable defenses;, (9) Regulate the course of the hearing and the conduct of representatives and parties;, (10) Examine witnesses;, (11) Receive materially relevant evidence, and rule upon the admissibility of evidence or exclude, limit, or otherwise rule on offers of proof;, (12) Upon motion of a party, take official notice of facts;, (13) Recuse himself upon his own motion or upon motion made by a party;, (14) Prepare and present to the Director a recommended decision as provided in this part;, (15) Establish time, place, and manner limitations on the attendance of the public and the media for any public hearing; and, (16) Do all other things necessary or appropriate to discharge the duties of a presiding officer.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1209"],"part_title":["PART 1209 - RULES OF PRACTICE AND PROCEDURE"],"section":["1209.11"],"section_title":["\u00a7 1209.11 Authority of the Presiding Officer."]},"_input_hash":1091837999,"_task_hash":-1365728211,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711810595,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) Mortgage transactions subject to RESPA - (1)(i) Time of disclosures. In a mortgage transaction subject to the Real Estate Settlement Procedures Act (12 U.S.C. 2601 et seq.) that is secured by the consumer's dwelling, other than a home equity line of credit subject to \u00a7 226.5b or mortgage transaction subject to paragraph (a)(5) of this section, the creditor shall make good faith estimates of the disclosures required by \u00a7 226.18 and shall deliver or place them in the mail not later than the third business day after the creditor receives the consumer's written application., (ii) Imposition of fees. Except as provided in paragraph (a)(1)(iii) of this section, neither a creditor nor any other person may impose a fee on a consumer in connection with the consumer's application for a mortgage transaction subject to paragraph (a)(1)(i) of this section before the consumer has received the disclosures required by paragraph (a)(1)(i) of this section. If the disclosures are mailed to the consumer, the consumer is considered to have received them three business days after they are mailed., (iii) Exception to fee restriction. A creditor or other person may impose a fee for obtaining the consumer's credit history before the consumer has received the disclosures required by paragraph (a)(1)(i) of this section, provided the fee is bona fide and reasonable in amount., (2) Waiting periods for early disclosures and corrected disclosures. (i) The creditor shall deliver or place in the mail the good faith estimates required by paragraph (a)(1)(i) of this section not later than the seventh business day before consummation of the transaction., (ii) If the annual percentage rate disclosed under paragraph (a)(1)(i) of this section becomes inaccurate, as defined in \u00a7 226.22, the creditor shall provide corrected disclosures with all changed terms. The consumer must receive the corrected disclosures no later than three business days before consummation. If the corrected disclosures are mailed to the consumer or delivered to the consumer by means other than delivery in person, the consumer is deemed to have received the corrected disclosures three business days after they are mailed or delivered., (3) Consumer's waiver of waiting period before consummation. If the consumer determines that the extension of credit is needed to meet a bona fide personal financial emergency, the consumer may modify or waive the seven-business-day waiting period or the three-business-day waiting period required by paragraph (a)(2) of this section, after receiving the disclosures required by \u00a7 226.18. To modify or waive a waiting period, the consumer shall give the creditor a dated written statement that describes the emergency, specifically modifies or waives the waiting period, and bears the signature of all the consumers who are primarily liable on the legal obligation. Printed forms for this purpose are prohibited., (4) Notice. Disclosures made pursuant to paragraph (a)(1) or paragraph (a)(2) of this section shall contain the following statement: \u201cYou are not required to complete this agreement merely because you have received these disclosures or signed a loan application.\u201d The disclosure required by this paragraph shall be grouped together with the disclosures required by paragraphs (a)(1) or (a)(2) of this section., (5) Timeshare plans. In a mortgage transaction subject to the Real Estate Settlement Procedures Act (12 U.S.C. 2601 et seq.) that is secured by a consumer's interest in a timeshare plan described in 11 U.S.C. 101(53(D)):, (i) The requirements of paragraphs (a)(1) through (a)(4) of this section do not apply;, (ii) The creditor shall make good faith estimates of the disclosures required by \u00a7 226.18 before consummation, or shall deliver or place them in the mail not later than three business days after the creditor receives the consumer's written application, whichever is earlier; and, (iii) If the annual percentage rate at the time of consummation varies from the annual percentage rate disclosed under paragraph (a)(5)(ii) of this section by more than 1/8 of 1 percentage point in a regular transaction or more than 1/4 of 1 percentage point in an irregular transaction, as defined in \u00a7 226.22, the creditor shall disclose all the changed terms no later than consummation or settlement. , (b) Certain variable-rate transactions.45a If the annual percentage rate may increase after consummation in a transaction secured by the consumer's principal dwelling with a term greater than one year, the following disclosures must be provided at the time an application form is provided or before the consumer pays a non-refundable fee, whichever is earlier: 45b, 45a Information provided in accordance with variable-rate regulations of other federal agencies may be substituted for the disclosures required by paragraph (b) of this section., 45b Disclosures may be delivered or placed in the mail not later than three business days following receipt of a consumer's application when the application reaches the creditor by telephone, or through an intermediary agent or broker., (1) The booklet titled Consumer Handbook on Adjustable Rate Mortgages published by the Board and the Federal Home Loan Bank Board, or a suitable substitute., (2) A loan program disclosure for each variable-rate program in which the consumer expresses an interest. The following disclosures, as applicable, shall be provided:, (i) The fact that the interest rate, payment, or term of the loan can change., (ii) The index or formula used in making adjustments, and a source of information about the index or formula., (iii) An explanation of how the interest rate and payment will be determined, including an explanation of how the index is adjusted, such as by the addition of a margin., (iv) A statement that the consumer should ask about the current margin value and current interest rate., (v) The fact that the interest rate will be discounted, and a statement that the consumer should ask about the amount of the interest rate discount. , (vi) The frequency of interest rate and payment changes. , (vii) Any rules relating to changes in the index, interest rate, payment amount, and outstanding loan balance including, for example, an explanation of interest rate or payment limitations, negative amortization, and interest rate carryover. , (viii) At the option of the creditor, either of the following:, (A) A historical example, based on a $10,000 loan amount, illustrating how payments and the loan balance would have been affected by interest rate changes implemented according to the terms of the loan program disclosure. The example shall reflect the most recent 15 years of index values. The example shall reflect all significant loan program terms, such as negative amortization, interest rate carryover, interest rate discounts, and interest rate and payment limitations, that would have been affected by the index movement during the period., (B) The maximum interest rate and payment for a $10,000 loan originated at the initial interest rate (index value plus margin, adjusted by the amount of any discount or premium) in effect as of an identified month and year for the loan program disclosure assuming the maximum periodic increases in rates and payments under the program; and the initial interest rate and payment for that loan and a statement that the periodic payment may increase or decrease substantially depending on changes in the rate., (ix) An explanation of how the consumer may calculate the payments for the loan amount to be borrowed based on either:, (A) The most recent payment shown in the historical example in paragraph (b)(2)(viii)(A) of this section; or, (B) The initial interest rate used to calculate the maximum interest rate and payment in paragraph (b)(2)(viii)(B) of this section., (x) The fact that the loan program contains a demand feature. , (xi) The type of information that will be provided in notices of adjustments and the timing of such notices. , (xii) A statement that disclosure forms are available for the creditor's other variable-rate loan programs., (c) Electronic disclosures. For an application that is accessed by the consumer in electronic form, the disclosures required by paragraph (b) of this section may be provided to the consumer in electronic form on or with the application.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["226"],"part_title":["PART 226 - TRUTH IN LENDING (REGULATION Z)"],"section":["226.19"],"section_title":["\u00a7 226.19 Certain mortgage and variable-rate transactions."]},"_input_hash":579176705,"_task_hash":-386145806,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711810971,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Mortgage transactions subject to RESPA - (1)(i) Time of disclosures. In a mortgage transaction subject to the Real Estate Settlement Procedures Act (12 U.S.C. 2601 et seq.) that is secured by the consumer's dwelling, other than a home equity line of credit subject to \u00a7 226.5b or mortgage transaction subject to paragraph (a)(5) of this section, the creditor shall make good faith estimates of the disclosures required by \u00a7 226.18 and shall deliver or place them in the mail not later than the third business day after the creditor receives the consumer's written application., (ii) Imposition of fees. Except as provided in paragraph (a)(1)(iii) of this section, neither a creditor nor any other person may impose a fee on a consumer in connection with the consumer's application for a mortgage transaction subject to paragraph (a)(1)(i) of this section before the consumer has received the disclosures required by paragraph (a)(1)(i) of this section. If the disclosures are mailed to the consumer, the consumer is considered to have received them three business days after they are mailed., (iii) Exception to fee restriction. A creditor or other person may impose a fee for obtaining the consumer's credit history before the consumer has received the disclosures required by paragraph (a)(1)(i) of this section, provided the fee is bona fide and reasonable in amount., (2) Waiting periods for early disclosures and corrected disclosures. (i) The creditor shall deliver or place in the mail the good faith estimates required by paragraph (a)(1)(i) of this section not later than the seventh business day before consummation of the transaction., (ii) If the annual percentage rate disclosed under paragraph (a)(1)(i) of this section becomes inaccurate, as defined in \u00a7 226.22, the creditor shall provide corrected disclosures with all changed terms. The consumer must receive the corrected disclosures no later than three business days before consummation. If the corrected disclosures are mailed to the consumer or delivered to the consumer by means other than delivery in person, the consumer is deemed to have received the corrected disclosures three business days after they are mailed or delivered., (3) Consumer's waiver of waiting period before consummation. If the consumer determines that the extension of credit is needed to meet a bona fide personal financial emergency, the consumer may modify or waive the seven-business-day waiting period or the three-business-day waiting period required by paragraph (a)(2) of this section, after receiving the disclosures required by \u00a7 226.18. To modify or waive a waiting period, the consumer shall give the creditor a dated written statement that describes the emergency, specifically modifies or waives the waiting period, and bears the signature of all the consumers who are primarily liable on the legal obligation. Printed forms for this purpose are prohibited., (4) Notice. Disclosures made pursuant to paragraph (a)(1) or paragraph (a)(2) of this section shall contain the following statement: \u201cYou are not required to complete this agreement merely because you have received these disclosures or signed a loan application.\u201d The disclosure required by this paragraph shall be grouped together with the disclosures required by paragraphs (a)(1) or (a)(2) of this section., (5) Timeshare plans. In a mortgage transaction subject to the Real Estate Settlement Procedures Act (12 U.S.C. 2601 et seq.) that is secured by a consumer's interest in a timeshare plan described in 11 U.S.C. 101(53(D)):, (i) The requirements of paragraphs (a)(1) through (a)(4) of this section do not apply;, (ii) The creditor shall make good faith estimates of the disclosures required by \u00a7 226.18 before consummation, or shall deliver or place them in the mail not later than three business days after the creditor receives the consumer's written application, whichever is earlier; and, (iii) If the annual percentage rate at the time of consummation varies from the annual percentage rate disclosed under paragraph (a)(5)(ii) of this section by more than 1/8 of 1 percentage point in a regular transaction or more than 1/4 of 1 percentage point in an irregular transaction, as defined in \u00a7 226.22, the creditor shall disclose all the changed terms no later than consummation or settlement. , (b) Certain variable-rate transactions.45a If the annual percentage rate may increase after consummation in a transaction secured by the consumer's principal dwelling with a term greater than one year, the following disclosures must be provided at the time an application form is provided or before the consumer pays a non-refundable fee, whichever is earlier: 45b, 45a Information provided in accordance with variable-rate regulations of other federal agencies may be substituted for the disclosures required by paragraph (b) of this section., 45b Disclosures may be delivered or placed in the mail not later than three business days following receipt of a consumer's application when the application reaches the creditor by telephone, or through an intermediary agent or broker., (1) The booklet titled Consumer Handbook on Adjustable Rate Mortgages published by the Board and the Federal Home Loan Bank Board, or a suitable substitute., (2) A loan program disclosure for each variable-rate program in which the consumer expresses an interest. The following disclosures, as applicable, shall be provided:, (i) The fact that the interest rate, payment, or term of the loan can change., (ii) The index or formula used in making adjustments, and a source of information about the index or formula., (iii) An explanation of how the interest rate and payment will be determined, including an explanation of how the index is adjusted, such as by the addition of a margin., (iv) A statement that the consumer should ask about the current margin value and current interest rate., (v) The fact that the interest rate will be discounted, and a statement that the consumer should ask about the amount of the interest rate discount. , (vi) The frequency of interest rate and payment changes. , (vii) Any rules relating to changes in the index, interest rate, payment amount, and outstanding loan balance including, for example, an explanation of interest rate or payment limitations, negative amortization, and interest rate carryover. , (viii) At the option of the creditor, either of the following:, (A) A historical example, based on a $10,000 loan amount, illustrating how payments and the loan balance would have been affected by interest rate changes implemented according to the terms of the loan program disclosure. The example shall reflect the most recent 15 years of index values. The example shall reflect all significant loan program terms, such as negative amortization, interest rate carryover, interest rate discounts, and interest rate and payment limitations, that would have been affected by the index movement during the period., (B) The maximum interest rate and payment for a $10,000 loan originated at the initial interest rate (index value plus margin, adjusted by the amount of any discount or premium) in effect as of an identified month and year for the loan program disclosure assuming the maximum periodic increases in rates and payments under the program; and the initial interest rate and payment for that loan and a statement that the periodic payment may increase or decrease substantially depending on changes in the rate., (ix) An explanation of how the consumer may calculate the payments for the loan amount to be borrowed based on either:, (A) The most recent payment shown in the historical example in paragraph (b)(2)(viii)(A) of this section; or, (B) The initial interest rate used to calculate the maximum interest rate and payment in paragraph (b)(2)(viii)(B) of this section., (x) The fact that the loan program contains a demand feature. , (xi) The type of information that will be provided in notices of adjustments and the timing of such notices. , (xii) A statement that disclosure forms are available for the creditor's other variable-rate loan programs., (c) Electronic disclosures. For an application that is accessed by the consumer in electronic form, the disclosures required by paragraph (b) of this section may be provided to the consumer in electronic form on or with the application.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["226"],"part_title":["PART 226 - TRUTH IN LENDING (REGULATION Z)"],"section":["226.19"],"section_title":["\u00a7 226.19 Certain mortgage and variable-rate transactions."]},"_input_hash":579176705,"_task_hash":-386145806,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711810971,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"NCUA will provide a copy of the record in any form or format requested, such as computer disk, if the record is readily reproducible by us in that form or format, but we will not provide more than one copy of any record.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["792"],"part_title":["PART 792 - REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION"],"section":["792.13"],"section_title":["\u00a7 792.13 Can I get the records in different forms or formats?"]},"_input_hash":-251893229,"_task_hash":1920044094,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711811216,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"NCUA will provide a copy of the record in any form or format requested, such as computer disk, if the record is readily reproducible by us in that form or format, but we will not provide more than one copy of any record.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["792"],"part_title":["PART 792 - REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION"],"section":["792.13"],"section_title":["\u00a7 792.13 Can I get the records in different forms or formats?"]},"_input_hash":-251893229,"_task_hash":1920044094,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711811216,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) Stockholder meeting. You must call the meeting by written notice in compliance with your bylaws. The stockholder meeting to vote on the termination must occur at least 60 days after our approval of the plan of termination (or, if we take no action, at least 60 days after the end of our approval period)., (b) Voting record date. The voting record date may not be more than 70 days before the stockholders' meeting., (c) Quorum requirement for termination vote. At least 30 percent, unless your bylaws provide for a higher quorum, of the voting stockholders of the institution must be present at the meeting either in person or by proxy in order to hold the vote on the termination., (d) Approval requirement. The affirmative vote of a majority of the voting stockholders of the institution present and voting or voting by proxy at the duly authorized meeting at which a quorum is present as prescribed in paragraph (c) of this section is required for approval of the termination., (e) Voting procedures. The voting procedures must comply with \u00a7 611.340. You must have an independent third party count the ballots. If a voting stockholder notifies you of the stockholder's intent to exercise dissenters' rights, the tabulator must be able to verify to you that the stockholder voted against the termination. Otherwise, the votes of stockholders must remain confidential., (f) Notice to FCA and equity holders of voting results. Within 10 days of the termination vote, you must send us a certified record of the results of the vote. You must notify all equity holders of the results within 30 days after the stockholder meeting. If the stockholders approve the termination, you must give the following information to equity holders:, (1) Stockholders who voted against termination and equity holders who were not entitled to vote have a right to dissent as provided in \u00a7 611.1280; and, (2) Voting stockholders have a right, under \u00a7 611.1245, to file a petition with the FCA for reconsideration within 35 days after the date you mail to them the notice of the results of the termination vote., (g) Requirement to notify new equity holders. You must provide the information described in paragraph (f)(1) of this section to each person that becomes an equity holder after the termination vote and before termination.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["611"],"part_title":["PART 611 - ORGANIZATION"],"section":["611.1240"],"section_title":["\u00a7 611.1240 Voting record date and stockholder approval."]},"_input_hash":-1065355112,"_task_hash":-1645108776,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711811978,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Stockholder meeting. You must call the meeting by written notice in compliance with your bylaws. The stockholder meeting to vote on the termination must occur at least 60 days after our approval of the plan of termination (or, if we take no action, at least 60 days after the end of our approval period)., (b) Voting record date. The voting record date may not be more than 70 days before the stockholders' meeting., (c) Quorum requirement for termination vote. At least 30 percent, unless your bylaws provide for a higher quorum, of the voting stockholders of the institution must be present at the meeting either in person or by proxy in order to hold the vote on the termination., (d) Approval requirement. The affirmative vote of a majority of the voting stockholders of the institution present and voting or voting by proxy at the duly authorized meeting at which a quorum is present as prescribed in paragraph (c) of this section is required for approval of the termination., (e) Voting procedures. The voting procedures must comply with \u00a7 611.340. You must have an independent third party count the ballots. If a voting stockholder notifies you of the stockholder's intent to exercise dissenters' rights, the tabulator must be able to verify to you that the stockholder voted against the termination. Otherwise, the votes of stockholders must remain confidential., (f) Notice to FCA and equity holders of voting results. Within 10 days of the termination vote, you must send us a certified record of the results of the vote. You must notify all equity holders of the results within 30 days after the stockholder meeting. If the stockholders approve the termination, you must give the following information to equity holders:, (1) Stockholders who voted against termination and equity holders who were not entitled to vote have a right to dissent as provided in \u00a7 611.1280; and, (2) Voting stockholders have a right, under \u00a7 611.1245, to file a petition with the FCA for reconsideration within 35 days after the date you mail to them the notice of the results of the termination vote., (g) Requirement to notify new equity holders. You must provide the information described in paragraph (f)(1) of this section to each person that becomes an equity holder after the termination vote and before termination.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["611"],"part_title":["PART 611 - ORGANIZATION"],"section":["611.1240"],"section_title":["\u00a7 611.1240 Voting record date and stockholder approval."]},"_input_hash":-1065355112,"_task_hash":-1645108776,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711811978,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) On receipt of any request, the Information Center assigns it to the appropriate processing schedule, pursuant to paragraph (b) of this section. The date of receipt for any request, including one that is addressed incorrectly or is forwarded to NCUA by another agency, is the earlier of the date the appropriate Information Center actually receives the request or 10 working days after either of NCUA's Information Centers receives the request., (b) NCUA has a multi-track processing system. Requests for records that are readily identifiable by the Information Center and have already been cleared for public release may qualify for fast track processing. Requests that meet the requirements of \u00a7 792.18 will be processed on the expedited track. All other requests will be handled under normal processing procedures in the order they were received., (c) The Information Center will make the determination whether a request qualifies for fast track processing or expedited track processing. You may contact the Information Center to learn to which track your request has been assigned. If your request has not qualified for fast track processing, you will have an opportunity to limit the scope of material requested to qualify for fast track processing. Limitations of requests must be in writing. If your request for expedited processing is not granted, you will be advised of your right to appeal., (d) The Information Center will normally process requests in the order they are received in the separate processing tracks. However, in NCUA's discretion, a particular request may be processed out of turn., (e) Upon a determination by the appropriate Information Center to comply with your initial request for records, the records will be made promptly available to you. NCUA will also advise you of the right to seek assistance from the FOIA Public Liaison. If we notify you of a denial of your request, we will include the reason for the denial. NCUA will also advise you of the right to utilize dispute resolution services offered by the FOIA Public Liaison and the Office of Government Information Services., (f) The Information Center will search for records responsive to your request and will generally include all records in existence at the time the search begins. If we use a different search cut-off date, we will inform you of that date.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["792"],"part_title":["PART 792 - REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION"],"section":["792.10"],"section_title":["\u00a7 792.10 What will NCUA do with my request?"]},"_input_hash":1544343609,"_task_hash":1339490444,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711812049,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) On receipt of any request, the Information Center assigns it to the appropriate processing schedule, pursuant to paragraph (b) of this section. The date of receipt for any request, including one that is addressed incorrectly or is forwarded to NCUA by another agency, is the earlier of the date the appropriate Information Center actually receives the request or 10 working days after either of NCUA's Information Centers receives the request., (b) NCUA has a multi-track processing system. Requests for records that are readily identifiable by the Information Center and have already been cleared for public release may qualify for fast track processing. Requests that meet the requirements of \u00a7 792.18 will be processed on the expedited track. All other requests will be handled under normal processing procedures in the order they were received., (c) The Information Center will make the determination whether a request qualifies for fast track processing or expedited track processing. You may contact the Information Center to learn to which track your request has been assigned. If your request has not qualified for fast track processing, you will have an opportunity to limit the scope of material requested to qualify for fast track processing. Limitations of requests must be in writing. If your request for expedited processing is not granted, you will be advised of your right to appeal., (d) The Information Center will normally process requests in the order they are received in the separate processing tracks. However, in NCUA's discretion, a particular request may be processed out of turn., (e) Upon a determination by the appropriate Information Center to comply with your initial request for records, the records will be made promptly available to you. NCUA will also advise you of the right to seek assistance from the FOIA Public Liaison. If we notify you of a denial of your request, we will include the reason for the denial. NCUA will also advise you of the right to utilize dispute resolution services offered by the FOIA Public Liaison and the Office of Government Information Services., (f) The Information Center will search for records responsive to your request and will generally include all records in existence at the time the search begins. If we use a different search cut-off date, we will inform you of that date.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["792"],"part_title":["PART 792 - REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION"],"section":["792.10"],"section_title":["\u00a7 792.10 What will NCUA do with my request?"]},"_input_hash":1544343609,"_task_hash":1339490444,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711812049,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) Shareholder meetings. An annual meeting of the shareholders of the subsidiary holding company for the election of directors and for the transaction of any other business of the subsidiary holding company shall be held annually within 150 days after the end of the subsidiary holding company's fiscal year. Unless otherwise provided in the subsidiary holding company's charter, special meetings of the shareholders may be called by the board of directors or on the request of the holders of 10 percent or more of the shares entitled to vote at the meeting, or by such other persons as may be specified in the bylaws of the subsidiary holding company. All annual and special meetings of shareholders shall be held at such place as the board of directors may determine in the state in which the subsidiary savings association has its principal place of business, or at any other convenient place the board of directors may designate., (b) Notice of shareholder meetings. Written notice stating the place, day, and hour of the meeting and the purpose or purposes for which the meeting is called shall be delivered not fewer than 20 nor more than 50 days before the date of the meeting, either personally or by mail, by or at the direction of the chairman of the board, the president, the secretary, or the directors, or other natural persons calling the meeting, to each shareholder of record entitled to vote at such meeting. If mailed, such notice shall be deemed to be delivered when deposited in the mail, addressed to the shareholder at the address appearing on the stock transfer books or records of the subsidiary holding company as of the record date prescribed in paragraph (c) of this section, with postage thereon prepaid. When any shareholders' meeting, either annual or special, is adjourned for 30 days or more, notice of the adjourned meeting shall be given as in the case of an original meeting. Notwithstanding anything in this section, however, a subsidiary holding company that is wholly owned shall not be subject to the shareholder notice requirement., (c) Fixing of record date. For the purpose of determining shareholders entitled to notice of or to vote at any meeting of shareholders or any adjournment thereof, or shareholders entitled to receive payment of any dividend, or in order to make a determination of shareholders for any other proper purpose, the board of directors shall fix in advance a date as the record date for any such determination of shareholders. Such date in any case shall be not more than 60 days and, in case of a meeting of shareholders, not less than 10 days prior to the date on which the particular action, requiring such determination of shareholders, is to be taken. When a determination of shareholders entitled to vote at any meeting of shareholders has been made as provided in this section, such determination shall apply to any adjournment thereof., (d) Voting lists. (1) At least 20 days before each meeting of the shareholders, the officer or agent having charge of the stock transfer books for the shares of the subsidiary holding company shall make a complete list of the stockholders of record entitled to vote at such meeting, or any adjournments thereof, arranged in alphabetical order, with the address and the number of shares held by each. This list of shareholders shall be kept on file at the home office of the subsidiary holding company and shall be subject to inspection by any shareholder of record or the stockholder's agent during the entire time of the meeting. The original stock transfer book shall constitute prima facie evidence of the stockholders entitled to examine such list or transfer books or to vote at any meeting of stockholders. Notwithstanding anything in this section, however, a subsidiary holding company that is wholly owned shall not be subject to the voting list requirements., (2) In lieu of making the shareholders list available for inspection by any shareholders as provided in paragraph (d)(1) of this section, the board of directors may perform such acts as required by paragraphs (a) and (b) of Rule 14a-7 of the General Rules and Regulations under the Securities and Exchange Act of 1934 (17 CFR 240.14a-7) as may be duly requested in writing, with respect to any matter which may be properly considered at a meeting of shareholders, by any shareholder who is entitled to vote on such matter and who shall defray the reasonable expenses to be incurred by the subsidiary holding company in performance of the act or acts required., (e) Shareholder quorum. A majority of the outstanding shares of the subsidiary holding company entitled to vote, represented in person or by proxy, shall constitute a quorum at a meeting of shareholders. The shareholders present at a duly organized meeting may continue to transact business until adjournment, notwithstanding the withdrawal of enough shareholders to leave less than a quorum. If a quorum is present, the affirmative vote of the majority of the shares represented at the meeting and entitled to vote on the subject matter shall be the act of the stockholders, unless the vote of a greater number of stockholders voting together or voting by classes is required by law or the charter. Directors, however, are elected by a plurality of the votes cast at an election of directors., (f) Shareholder voting - (1) Proxies. Unless otherwise provided in the subsidiary holding company's charter, at all meetings of shareholders, a shareholder may vote in person or by proxy executed in writing by the shareholder or by a duly authorized attorney in fact. Proxies may be given telephonically or electronically as long as the holder uses a procedure for verifying the identity of the shareholder. A proxy may designate as holder a corporation, partnership or company, or other person. Proxies solicited on behalf of the management shall be voted as directed by the shareholder or, in the absence of such direction, as determined by a majority of the board of directors. No proxy shall be valid more than eleven months from the date of its execution except for a proxy coupled with an interest., (2) Shares controlled by subsidiary holding company. Neither treasury shares of its own stock held by the subsidiary holding company nor shares held by another corporation, if a majority of the shares entitled to vote for the election of directors of such other corporation are held by the subsidiary holding company, shall be voted at any meeting or counted in determining the total number of outstanding shares at any given time for purposes of any meeting., (g) Nominations and new business submitted by shareholders. Nominations for directors and new business submitted by shareholders shall be voted upon at the annual meeting if such nominations or new business are submitted in writing and delivered to the secretary of the subsidiary holding company at least five days prior to the date of the annual meeting. Ballots bearing the names of all the natural persons nominated shall be provided for use at the annual meeting., (h) Informal action by stockholders. If the bylaws of the subsidiary holding company so provide, any action required to be taken at a meeting of the stockholders, or any other action that may be taken at a meeting of the stockholders, may be taken without a meeting if consent in writing has been given by all the stockholders entitled to vote with respect to the subject matter.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["239"],"part_title":["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"],"section":["239.26"],"section_title":["\u00a7 239.26 Shareholders."]},"_input_hash":-1625044272,"_task_hash":-1545478679,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711812064,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Shareholder meetings. An annual meeting of the shareholders of the subsidiary holding company for the election of directors and for the transaction of any other business of the subsidiary holding company shall be held annually within 150 days after the end of the subsidiary holding company's fiscal year. Unless otherwise provided in the subsidiary holding company's charter, special meetings of the shareholders may be called by the board of directors or on the request of the holders of 10 percent or more of the shares entitled to vote at the meeting, or by such other persons as may be specified in the bylaws of the subsidiary holding company. All annual and special meetings of shareholders shall be held at such place as the board of directors may determine in the state in which the subsidiary savings association has its principal place of business, or at any other convenient place the board of directors may designate., (b) Notice of shareholder meetings. Written notice stating the place, day, and hour of the meeting and the purpose or purposes for which the meeting is called shall be delivered not fewer than 20 nor more than 50 days before the date of the meeting, either personally or by mail, by or at the direction of the chairman of the board, the president, the secretary, or the directors, or other natural persons calling the meeting, to each shareholder of record entitled to vote at such meeting. If mailed, such notice shall be deemed to be delivered when deposited in the mail, addressed to the shareholder at the address appearing on the stock transfer books or records of the subsidiary holding company as of the record date prescribed in paragraph (c) of this section, with postage thereon prepaid. When any shareholders' meeting, either annual or special, is adjourned for 30 days or more, notice of the adjourned meeting shall be given as in the case of an original meeting. Notwithstanding anything in this section, however, a subsidiary holding company that is wholly owned shall not be subject to the shareholder notice requirement., (c) Fixing of record date. For the purpose of determining shareholders entitled to notice of or to vote at any meeting of shareholders or any adjournment thereof, or shareholders entitled to receive payment of any dividend, or in order to make a determination of shareholders for any other proper purpose, the board of directors shall fix in advance a date as the record date for any such determination of shareholders. Such date in any case shall be not more than 60 days and, in case of a meeting of shareholders, not less than 10 days prior to the date on which the particular action, requiring such determination of shareholders, is to be taken. When a determination of shareholders entitled to vote at any meeting of shareholders has been made as provided in this section, such determination shall apply to any adjournment thereof., (d) Voting lists. (1) At least 20 days before each meeting of the shareholders, the officer or agent having charge of the stock transfer books for the shares of the subsidiary holding company shall make a complete list of the stockholders of record entitled to vote at such meeting, or any adjournments thereof, arranged in alphabetical order, with the address and the number of shares held by each. This list of shareholders shall be kept on file at the home office of the subsidiary holding company and shall be subject to inspection by any shareholder of record or the stockholder's agent during the entire time of the meeting. The original stock transfer book shall constitute prima facie evidence of the stockholders entitled to examine such list or transfer books or to vote at any meeting of stockholders. Notwithstanding anything in this section, however, a subsidiary holding company that is wholly owned shall not be subject to the voting list requirements., (2) In lieu of making the shareholders list available for inspection by any shareholders as provided in paragraph (d)(1) of this section, the board of directors may perform such acts as required by paragraphs (a) and (b) of Rule 14a-7 of the General Rules and Regulations under the Securities and Exchange Act of 1934 (17 CFR 240.14a-7) as may be duly requested in writing, with respect to any matter which may be properly considered at a meeting of shareholders, by any shareholder who is entitled to vote on such matter and who shall defray the reasonable expenses to be incurred by the subsidiary holding company in performance of the act or acts required., (e) Shareholder quorum. A majority of the outstanding shares of the subsidiary holding company entitled to vote, represented in person or by proxy, shall constitute a quorum at a meeting of shareholders. The shareholders present at a duly organized meeting may continue to transact business until adjournment, notwithstanding the withdrawal of enough shareholders to leave less than a quorum. If a quorum is present, the affirmative vote of the majority of the shares represented at the meeting and entitled to vote on the subject matter shall be the act of the stockholders, unless the vote of a greater number of stockholders voting together or voting by classes is required by law or the charter. Directors, however, are elected by a plurality of the votes cast at an election of directors., (f) Shareholder voting - (1) Proxies. Unless otherwise provided in the subsidiary holding company's charter, at all meetings of shareholders, a shareholder may vote in person or by proxy executed in writing by the shareholder or by a duly authorized attorney in fact. Proxies may be given telephonically or electronically as long as the holder uses a procedure for verifying the identity of the shareholder. A proxy may designate as holder a corporation, partnership or company, or other person. Proxies solicited on behalf of the management shall be voted as directed by the shareholder or, in the absence of such direction, as determined by a majority of the board of directors. No proxy shall be valid more than eleven months from the date of its execution except for a proxy coupled with an interest., (2) Shares controlled by subsidiary holding company. Neither treasury shares of its own stock held by the subsidiary holding company nor shares held by another corporation, if a majority of the shares entitled to vote for the election of directors of such other corporation are held by the subsidiary holding company, shall be voted at any meeting or counted in determining the total number of outstanding shares at any given time for purposes of any meeting., (g) Nominations and new business submitted by shareholders. Nominations for directors and new business submitted by shareholders shall be voted upon at the annual meeting if such nominations or new business are submitted in writing and delivered to the secretary of the subsidiary holding company at least five days prior to the date of the annual meeting. Ballots bearing the names of all the natural persons nominated shall be provided for use at the annual meeting., (h) Informal action by stockholders. If the bylaws of the subsidiary holding company so provide, any action required to be taken at a meeting of the stockholders, or any other action that may be taken at a meeting of the stockholders, may be taken without a meeting if consent in writing has been given by all the stockholders entitled to vote with respect to the subject matter.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["239"],"part_title":["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"],"section":["239.26"],"section_title":["\u00a7 239.26 Shareholders."]},"_input_hash":-1625044272,"_task_hash":-1545478679,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711812064,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"Any party may file a brief in support of the hearing officer's report and recommendations subject to the same time limits and rules pertaining to filing exceptions and briefs in support thereof, as set forth in \u00a7 269b.520. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["269b"],"part_title":["PART 269b - CHARGES OF UNFAIR LABOR PRACTICES"],"section":["269b.530"],"section_title":["\u00a7 269b.530 Briefs in support of the hearing officer's report."]},"_input_hash":704296618,"_task_hash":1887636611,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","config":{"choice_style":"single"},"accept":["ReportingAndCompliance"],"answer":"accept","_timestamp":1711843563,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"Any party may file a brief in support of the hearing officer's report and recommendations subject to the same time limits and rules pertaining to filing exceptions and briefs in support thereof, as set forth in \u00a7 269b.520. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["269b"],"part_title":["PART 269b - CHARGES OF UNFAIR LABOR PRACTICES"],"section":["269b.530"],"section_title":["\u00a7 269b.530 Briefs in support of the hearing officer's report."]},"_input_hash":704296618,"_task_hash":1887636611,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","config":{"choice_style":"single"},"accept":["ReportingAndCompliance"],"answer":"accept","_timestamp":1711810112,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"Any party may file a brief in support of the hearing officer's report and recommendations subject to the same time limits and rules pertaining to filing exceptions and briefs in support thereof, as set forth in \u00a7 269b.520. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["269b"],"part_title":["PART 269b - CHARGES OF UNFAIR LABOR PRACTICES"],"section":["269b.530"],"section_title":["\u00a7 269b.530 Briefs in support of the hearing officer's report."]},"_input_hash":704296618,"_task_hash":1828763405,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","config":{"choice_style":"single"},"accept":["CorporateGovernance"],"answer":"accept","_timestamp":1711816916,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false}],"view_id":"choice"}
+{"text":"(a) The Insurance Corporation shall be appointed as conservator by the Farm Credit Administration Board pursuant to section 4.12 of the Act and \u00a7 627.2710 of this part to take possession of an institution in accordance with the terms of the appointment. Upon appointment, the conservator shall direct the institution's further operation until the Farm Credit Administration Board decides whether to place the institution into receivership. Upon correction or resolution of the problem or condition that provided the basis for the appointment and upon a determination by the Farm Credit Administration Board that the institution can be returned to normal operations, the Farm Credit Administration Board may turn the institution over to such management as the Farm Credit Administration Board may direct. , (b) The conservator shall exercise all powers necessary to continue the ongoing operations of the institution, to conserve and preserve the institution's assets and property, and otherwise protect the interests of the institution, its stockholders, and creditors as provided in this subpart. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["627"],"part_title":["PART 627 - TITLE IV CONSERVATORS, RECEIVERS, AND VOLUNTARY LIQUIDATIONS"],"section":["627.2770"],"section_title":["\u00a7 627.2770 Conservators."]},"_input_hash":1775881277,"_task_hash":-827523093,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843582,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"(a) The Insurance Corporation shall be appointed as conservator by the Farm Credit Administration Board pursuant to section 4.12 of the Act and \u00a7 627.2710 of this part to take possession of an institution in accordance with the terms of the appointment. Upon appointment, the conservator shall direct the institution's further operation until the Farm Credit Administration Board decides whether to place the institution into receivership. Upon correction or resolution of the problem or condition that provided the basis for the appointment and upon a determination by the Farm Credit Administration Board that the institution can be returned to normal operations, the Farm Credit Administration Board may turn the institution over to such management as the Farm Credit Administration Board may direct. , (b) The conservator shall exercise all powers necessary to continue the ongoing operations of the institution, to conserve and preserve the institution's assets and property, and otherwise protect the interests of the institution, its stockholders, and creditors as provided in this subpart. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["627"],"part_title":["PART 627 - TITLE IV CONSERVATORS, RECEIVERS, AND VOLUNTARY LIQUIDATIONS"],"section":["627.2770"],"section_title":["\u00a7 627.2770 Conservators."]},"_input_hash":1775881277,"_task_hash":-827523093,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711810228,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"(a) The Insurance Corporation shall be appointed as conservator by the Farm Credit Administration Board pursuant to section 4.12 of the Act and \u00a7 627.2710 of this part to take possession of an institution in accordance with the terms of the appointment. Upon appointment, the conservator shall direct the institution's further operation until the Farm Credit Administration Board decides whether to place the institution into receivership. Upon correction or resolution of the problem or condition that provided the basis for the appointment and upon a determination by the Farm Credit Administration Board that the institution can be returned to normal operations, the Farm Credit Administration Board may turn the institution over to such management as the Farm Credit Administration Board may direct. , (b) The conservator shall exercise all powers necessary to continue the ongoing operations of the institution, to conserve and preserve the institution's assets and property, and otherwise protect the interests of the institution, its stockholders, and creditors as provided in this subpart. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["627"],"part_title":["PART 627 - TITLE IV CONSERVATORS, RECEIVERS, AND VOLUNTARY LIQUIDATIONS"],"section":["627.2770"],"section_title":["\u00a7 627.2770 Conservators."]},"_input_hash":1775881277,"_task_hash":-1063666771,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816948,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) The Insurance Corporation shall be appointed as conservator by the Farm Credit Administration Board pursuant to section 4.12 of the Act and \u00a7 627.2710 of this part to take possession of an institution in accordance with the terms of the appointment. Upon appointment, the conservator shall direct the institution's further operation until the Farm Credit Administration Board decides whether to place the institution into receivership. Upon correction or resolution of the problem or condition that provided the basis for the appointment and upon a determination by the Farm Credit Administration Board that the institution can be returned to normal operations, the Farm Credit Administration Board may turn the institution over to such management as the Farm Credit Administration Board may direct. , (b) The conservator shall exercise all powers necessary to continue the ongoing operations of the institution, to conserve and preserve the institution's assets and property, and otherwise protect the interests of the institution, its stockholders, and creditors as provided in this subpart. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["627"],"part_title":["PART 627 - TITLE IV CONSERVATORS, RECEIVERS, AND VOLUNTARY LIQUIDATIONS"],"section":["627.2770"],"section_title":["\u00a7 627.2770 Conservators."]},"_input_hash":1775881277,"_task_hash":2131361082,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711831828,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) A System bank must provide timely public disclosures each calendar quarter of the information in the applicable tables in \u00a7 628.63. The System bank must make these disclosures in its quarterly and annual reports to shareholders required in part 620 of this chapter. The System bank need not make these disclosures in the format set out in the applicable tables or all in the same location in a report, as long as a summary table specifically indicating the location(s) of all such disclosures is provided. If a significant change occurs, such that the most recent reported amounts are no longer reflective of the System bank's capital adequacy and risk profile, then a brief discussion of this change and its likely impact must be disclosed as soon as practicable thereafter. This disclosure requirement may be satisfied by providing a notice under \u00a7 620.15 of this chapter. Qualitative disclosures that typically do not change each quarter (for example, a general summary of the System bank's risk management objectives and policies, reporting system, and definitions) may be disclosed annually after the end of the 4th calendar quarter, provided that any significant changes are disclosed in the interim., (b) A System bank must have a formal disclosure policy approved by the board of directors that addresses its approach for determining the disclosures it makes. The policy must address the associated internal controls and disclosure controls and procedures. The board of directors and senior management are responsible for establishing and maintaining an effective internal control structure over financial reporting, including the disclosures required by this subpart, and must ensure that appropriate review of the disclosures takes place. The chief executive officer, the chief financial officer, and a designated board member must attest that the disclosures meet the requirements of this subpart., (c) If a System bank concludes that disclosure of specific proprietary or confidential commercial or financial information that it would otherwise be required to disclose under this section would compromise its position, then the System bank is not required to disclose that specific information pursuant to this section, but must disclose more general information about the subject matter of the requirement, together with the fact that, and the reason why, the specific items of information have not been disclosed.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["628"],"part_title":["PART 628 - CAPITAL ADEQUACY OF SYSTEM INSTITUTIONS"],"section":["628.62"],"section_title":["\u00a7 628.62 Disclosure requirements."]},"_input_hash":466987947,"_task_hash":-753841826,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843584,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) A System bank must provide timely public disclosures each calendar quarter of the information in the applicable tables in \u00a7 628.63. The System bank must make these disclosures in its quarterly and annual reports to shareholders required in part 620 of this chapter. The System bank need not make these disclosures in the format set out in the applicable tables or all in the same location in a report, as long as a summary table specifically indicating the location(s) of all such disclosures is provided. If a significant change occurs, such that the most recent reported amounts are no longer reflective of the System bank's capital adequacy and risk profile, then a brief discussion of this change and its likely impact must be disclosed as soon as practicable thereafter. This disclosure requirement may be satisfied by providing a notice under \u00a7 620.15 of this chapter. Qualitative disclosures that typically do not change each quarter (for example, a general summary of the System bank's risk management objectives and policies, reporting system, and definitions) may be disclosed annually after the end of the 4th calendar quarter, provided that any significant changes are disclosed in the interim., (b) A System bank must have a formal disclosure policy approved by the board of directors that addresses its approach for determining the disclosures it makes. The policy must address the associated internal controls and disclosure controls and procedures. The board of directors and senior management are responsible for establishing and maintaining an effective internal control structure over financial reporting, including the disclosures required by this subpart, and must ensure that appropriate review of the disclosures takes place. The chief executive officer, the chief financial officer, and a designated board member must attest that the disclosures meet the requirements of this subpart., (c) If a System bank concludes that disclosure of specific proprietary or confidential commercial or financial information that it would otherwise be required to disclose under this section would compromise its position, then the System bank is not required to disclose that specific information pursuant to this section, but must disclose more general information about the subject matter of the requirement, together with the fact that, and the reason why, the specific items of information have not been disclosed.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["628"],"part_title":["PART 628 - CAPITAL ADEQUACY OF SYSTEM INSTITUTIONS"],"section":["628.62"],"section_title":["\u00a7 628.62 Disclosure requirements."]},"_input_hash":466987947,"_task_hash":-753841826,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711810307,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) A System bank must provide timely public disclosures each calendar quarter of the information in the applicable tables in \u00a7 628.63. The System bank must make these disclosures in its quarterly and annual reports to shareholders required in part 620 of this chapter. The System bank need not make these disclosures in the format set out in the applicable tables or all in the same location in a report, as long as a summary table specifically indicating the location(s) of all such disclosures is provided. If a significant change occurs, such that the most recent reported amounts are no longer reflective of the System bank's capital adequacy and risk profile, then a brief discussion of this change and its likely impact must be disclosed as soon as practicable thereafter. This disclosure requirement may be satisfied by providing a notice under \u00a7 620.15 of this chapter. Qualitative disclosures that typically do not change each quarter (for example, a general summary of the System bank's risk management objectives and policies, reporting system, and definitions) may be disclosed annually after the end of the 4th calendar quarter, provided that any significant changes are disclosed in the interim., (b) A System bank must have a formal disclosure policy approved by the board of directors that addresses its approach for determining the disclosures it makes. The policy must address the associated internal controls and disclosure controls and procedures. The board of directors and senior management are responsible for establishing and maintaining an effective internal control structure over financial reporting, including the disclosures required by this subpart, and must ensure that appropriate review of the disclosures takes place. The chief executive officer, the chief financial officer, and a designated board member must attest that the disclosures meet the requirements of this subpart., (c) If a System bank concludes that disclosure of specific proprietary or confidential commercial or financial information that it would otherwise be required to disclose under this section would compromise its position, then the System bank is not required to disclose that specific information pursuant to this section, but must disclose more general information about the subject matter of the requirement, together with the fact that, and the reason why, the specific items of information have not been disclosed.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["628"],"part_title":["PART 628 - CAPITAL ADEQUACY OF SYSTEM INSTITUTIONS"],"section":["628.62"],"section_title":["\u00a7 628.62 Disclosure requirements."]},"_input_hash":466987947,"_task_hash":2066842607,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711832282,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) General policy. Direct and indirect investments by eligible investors in export trading companies shall be made in accordance with the general consent or prior notice procedures contained in this section. The Board may at any time, upon notice, modify or suspend the general-consent procedures with respect to any eligible investor., (b) General consent - (1) Eligibility for general consent. Subject to the other limitations of this subpart, the Board grants its general consent for any investment an export trading company:, (i) If the eligible investor is well capitalized and well managed;, (ii) In an amount equal to cash dividends received from that export trading company during the preceding 12 calendar months; or, (iii) That is acquired from an affiliate at net asset value or through a contribution of shares., (2) Post-investment notice. By the end of the month following the month in which the investment is made, the investor shall provide the Board with the following information:, (i) The amount of the investment and the source of the funds with which the investment was made; and, (ii) In the case of an initial investment, a description of the activities in which the export trading company proposes to engage and projections for the export trading company for the first year following the investment., (c) Filing notice - (1) Prior notice. An eligible investor shall give the Board 60 days' prior written notice of any investment in an export trading company that does not qualify under the general consent procedure. , (2) Notice of change of activities. (i) An eligible investor shall give the Board 60 days' prior written notice of changes in the activities of an export trading company that is a subsidiary of the investor if the export trading company expands its activities beyond those described in the initial notice to include: , (A) Taking title to goods where the export trading company does not have a firm order for the sale of those goods; , (B) Product research and design; , (C) Product modification; or , (D) Activities not specifically covered by the list of activities contained in section 4(c)(14)(F)(ii) of the BHC Act (12 U.S.C. 1843(c)(14)(F)(ii)). , (ii) Such an expansion of activities shall be regarded as a proposed investment under this subpart. , (d) Time period for Board action. (1) A proposed investment that has not been disapproved by the Board may be made 60 days after the appropriate Federal Reserve Bank accepts the notice for processing. A proposed investment may be made before the expiration of the 60-day period if the Board notifies the investor in writing of its intention not to disapprove the investment. , (2) The Board may extend the 60-day period for an additional 30 days if the Board determines that the investor has not furnished all necessary information or that any material information furnished is substantially inaccurate. The Board may disapprove an investment if the necessary information is provided within a time insufficient to allow the Board reasonably to consider the information received. , (3) Within three days of a decision to disapprove an investment, the Board shall notify the investor in writing and state the reasons for the disapproval. , (e) Time period for investment. An investment in an export trading company that has not been disapproved shall be made within one year from the date of the notice not to disapprove, unless the time period is extended by the Board or by the appropriate Federal Reserve Bank.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["211"],"part_title":["PART 211 - INTERNATIONAL BANKING OPERATIONS (REGULATION K)"],"section":["211.34"],"section_title":["\u00a7 211.34 Procedures for filing and processing notices."]},"_input_hash":-1048772562,"_task_hash":-2080501251,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843624,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"(a) General policy. Direct and indirect investments by eligible investors in export trading companies shall be made in accordance with the general consent or prior notice procedures contained in this section. The Board may at any time, upon notice, modify or suspend the general-consent procedures with respect to any eligible investor., (b) General consent - (1) Eligibility for general consent. Subject to the other limitations of this subpart, the Board grants its general consent for any investment an export trading company:, (i) If the eligible investor is well capitalized and well managed;, (ii) In an amount equal to cash dividends received from that export trading company during the preceding 12 calendar months; or, (iii) That is acquired from an affiliate at net asset value or through a contribution of shares., (2) Post-investment notice. By the end of the month following the month in which the investment is made, the investor shall provide the Board with the following information:, (i) The amount of the investment and the source of the funds with which the investment was made; and, (ii) In the case of an initial investment, a description of the activities in which the export trading company proposes to engage and projections for the export trading company for the first year following the investment., (c) Filing notice - (1) Prior notice. An eligible investor shall give the Board 60 days' prior written notice of any investment in an export trading company that does not qualify under the general consent procedure. , (2) Notice of change of activities. (i) An eligible investor shall give the Board 60 days' prior written notice of changes in the activities of an export trading company that is a subsidiary of the investor if the export trading company expands its activities beyond those described in the initial notice to include: , (A) Taking title to goods where the export trading company does not have a firm order for the sale of those goods; , (B) Product research and design; , (C) Product modification; or , (D) Activities not specifically covered by the list of activities contained in section 4(c)(14)(F)(ii) of the BHC Act (12 U.S.C. 1843(c)(14)(F)(ii)). , (ii) Such an expansion of activities shall be regarded as a proposed investment under this subpart. , (d) Time period for Board action. (1) A proposed investment that has not been disapproved by the Board may be made 60 days after the appropriate Federal Reserve Bank accepts the notice for processing. A proposed investment may be made before the expiration of the 60-day period if the Board notifies the investor in writing of its intention not to disapprove the investment. , (2) The Board may extend the 60-day period for an additional 30 days if the Board determines that the investor has not furnished all necessary information or that any material information furnished is substantially inaccurate. The Board may disapprove an investment if the necessary information is provided within a time insufficient to allow the Board reasonably to consider the information received. , (3) Within three days of a decision to disapprove an investment, the Board shall notify the investor in writing and state the reasons for the disapproval. , (e) Time period for investment. An investment in an export trading company that has not been disapproved shall be made within one year from the date of the notice not to disapprove, unless the time period is extended by the Board or by the appropriate Federal Reserve Bank.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["211"],"part_title":["PART 211 - INTERNATIONAL BANKING OPERATIONS (REGULATION K)"],"section":["211.34"],"section_title":["\u00a7 211.34 Procedures for filing and processing notices."]},"_input_hash":-1048772562,"_task_hash":-2080501251,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711810524,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"(a) General policy. Direct and indirect investments by eligible investors in export trading companies shall be made in accordance with the general consent or prior notice procedures contained in this section. The Board may at any time, upon notice, modify or suspend the general-consent procedures with respect to any eligible investor., (b) General consent - (1) Eligibility for general consent. Subject to the other limitations of this subpart, the Board grants its general consent for any investment an export trading company:, (i) If the eligible investor is well capitalized and well managed;, (ii) In an amount equal to cash dividends received from that export trading company during the preceding 12 calendar months; or, (iii) That is acquired from an affiliate at net asset value or through a contribution of shares., (2) Post-investment notice. By the end of the month following the month in which the investment is made, the investor shall provide the Board with the following information:, (i) The amount of the investment and the source of the funds with which the investment was made; and, (ii) In the case of an initial investment, a description of the activities in which the export trading company proposes to engage and projections for the export trading company for the first year following the investment., (c) Filing notice - (1) Prior notice. An eligible investor shall give the Board 60 days' prior written notice of any investment in an export trading company that does not qualify under the general consent procedure. , (2) Notice of change of activities. (i) An eligible investor shall give the Board 60 days' prior written notice of changes in the activities of an export trading company that is a subsidiary of the investor if the export trading company expands its activities beyond those described in the initial notice to include: , (A) Taking title to goods where the export trading company does not have a firm order for the sale of those goods; , (B) Product research and design; , (C) Product modification; or , (D) Activities not specifically covered by the list of activities contained in section 4(c)(14)(F)(ii) of the BHC Act (12 U.S.C. 1843(c)(14)(F)(ii)). , (ii) Such an expansion of activities shall be regarded as a proposed investment under this subpart. , (d) Time period for Board action. (1) A proposed investment that has not been disapproved by the Board may be made 60 days after the appropriate Federal Reserve Bank accepts the notice for processing. A proposed investment may be made before the expiration of the 60-day period if the Board notifies the investor in writing of its intention not to disapprove the investment. , (2) The Board may extend the 60-day period for an additional 30 days if the Board determines that the investor has not furnished all necessary information or that any material information furnished is substantially inaccurate. The Board may disapprove an investment if the necessary information is provided within a time insufficient to allow the Board reasonably to consider the information received. , (3) Within three days of a decision to disapprove an investment, the Board shall notify the investor in writing and state the reasons for the disapproval. , (e) Time period for investment. An investment in an export trading company that has not been disapproved shall be made within one year from the date of the notice not to disapprove, unless the time period is extended by the Board or by the appropriate Federal Reserve Bank.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["211"],"part_title":["PART 211 - INTERNATIONAL BANKING OPERATIONS (REGULATION K)"],"section":["211.34"],"section_title":["\u00a7 211.34 Procedures for filing and processing notices."]},"_input_hash":-1048772562,"_task_hash":-515217333,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711817212,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) The Board has recently been asked to consider whether section 32 of the Banking Act of 1933 (12 U.S.C. 78) and this part prohibit interlocking service between member banks and (1) the board of managers of an accumulation fund, registered under the Investment Company Act of 1940 (15 U.S.C. 80), that sells variable annuities and (2) the board of directors of the insurance company, of which the accumulation fund is a \u201cseparate account,\u201d but as to which the insurance company is the sponsor, investment advisor, underwriter, and distributor. Briefly, a variable annuity is one providing for annuity payment varying in accordance with the changing values of a portfolio of securities. , (b) Section 32 provides in relevant part that: , No officer, director, or employee of any corporation or unincorporated association, no partner or employee of any partnership, and no individual, primarily engaged in the issue, flotation, underwriting, public sale, or distribution, at wholesale or retail, or through syndicate participation, of stocks, bonds, or other similar securities, shall serve at the same time as an officer, director, or employee of any member bank * * *., (c) For many years, the Board's position has been that an open-end investment company (or mutual fund) is \u201cprimarily engaged in the issue * * * public sale, or distribution * * * of securities\u201d since the issuance and sale of its stock is essential to the maintenance of the company's size and to the continuance of its operations without substantial contraction, and that section 32 of the Banking Act of 1933 prohibits an officer, director, or employee of any such company from serving at the same time as an officer, director, or employee of any member bank. (1951 Federal Reserve Bulletin 645; \u00a7 218.101.) , (d) For reasons similar to those stated by the U.S. Supreme Court in Securities and Exchange Commission v. Variable Annuity Life Insurance Company of America, 359 U.S. 65 (1959), the Board concluded that there is no meaningful basis for distinguishing a variable annuity interest from a mutual fund share for section 32 purposes and that, therefore, variable annuity interests should also be regarded as \u201cother similar securities\u201d within the prohibition of the statute and regulation. , (e) The Board concluded also that, since the accumulation fund, like a mutual fund, must continually issue and sell its investment units in order to avoid the inevitable contraction of its activities as it makes annuity payments or redeems variable annuity units, the accumulation fund is \u201cprimarily engaged\u201d for section 32 purposes. The Board further concluded that the insurance company was likewise \u201cprimarily engaged\u201d for the purposes of the statute since it had no significant revenue producing operations other than as underwriter and distributor of the accumulation fund's units and investment advisor to the fund. , (f) Although it was clear, therefore, that section 32 prohibits any officers, directors, and employees of member banks from serving in any such capacity with the insurance company or accumulation fund, the Board also considered whether members of the board of managers of the accumulation fund are \u201cofficers, directors, or employees\u201d within such prohibition. The functions of the board of managers, who are elected by the variable annuity contract owners, are, with the approval of the variable annuity contract owners, to select annually an independent public accountant, execute annually an agreement providing for investment advisory services, and recommend any changes in the fundamental investment policy of the accumulation fund. In addition, the Board of managers has sole authority to execute an agreement providing for sales and administrative services and to authorize all investments of the assets of the accumulation fund in accordance with its fundamental investment policy. In the opinion of the Board of Governors, the board of managers of the accumulation fund performs functions essentially the same as those performed by classes of persons as to whom the prohibition of section 32 was specifically directed and, accordingly, are within the prohibitions of the statute.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["250"],"part_title":["PART 250 - MISCELLANEOUS INTERPRETATIONS"],"section":["250.411"],"section_title":["\u00a7 250.411 Interlocking relationships between member bank and variable annuity insurance company."]},"_input_hash":686137229,"_task_hash":20912309,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843626,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) The Board has recently been asked to consider whether section 32 of the Banking Act of 1933 (12 U.S.C. 78) and this part prohibit interlocking service between member banks and (1) the board of managers of an accumulation fund, registered under the Investment Company Act of 1940 (15 U.S.C. 80), that sells variable annuities and (2) the board of directors of the insurance company, of which the accumulation fund is a \u201cseparate account,\u201d but as to which the insurance company is the sponsor, investment advisor, underwriter, and distributor. Briefly, a variable annuity is one providing for annuity payment varying in accordance with the changing values of a portfolio of securities. , (b) Section 32 provides in relevant part that: , No officer, director, or employee of any corporation or unincorporated association, no partner or employee of any partnership, and no individual, primarily engaged in the issue, flotation, underwriting, public sale, or distribution, at wholesale or retail, or through syndicate participation, of stocks, bonds, or other similar securities, shall serve at the same time as an officer, director, or employee of any member bank * * *., (c) For many years, the Board's position has been that an open-end investment company (or mutual fund) is \u201cprimarily engaged in the issue * * * public sale, or distribution * * * of securities\u201d since the issuance and sale of its stock is essential to the maintenance of the company's size and to the continuance of its operations without substantial contraction, and that section 32 of the Banking Act of 1933 prohibits an officer, director, or employee of any such company from serving at the same time as an officer, director, or employee of any member bank. (1951 Federal Reserve Bulletin 645; \u00a7 218.101.) , (d) For reasons similar to those stated by the U.S. Supreme Court in Securities and Exchange Commission v. Variable Annuity Life Insurance Company of America, 359 U.S. 65 (1959), the Board concluded that there is no meaningful basis for distinguishing a variable annuity interest from a mutual fund share for section 32 purposes and that, therefore, variable annuity interests should also be regarded as \u201cother similar securities\u201d within the prohibition of the statute and regulation. , (e) The Board concluded also that, since the accumulation fund, like a mutual fund, must continually issue and sell its investment units in order to avoid the inevitable contraction of its activities as it makes annuity payments or redeems variable annuity units, the accumulation fund is \u201cprimarily engaged\u201d for section 32 purposes. The Board further concluded that the insurance company was likewise \u201cprimarily engaged\u201d for the purposes of the statute since it had no significant revenue producing operations other than as underwriter and distributor of the accumulation fund's units and investment advisor to the fund. , (f) Although it was clear, therefore, that section 32 prohibits any officers, directors, and employees of member banks from serving in any such capacity with the insurance company or accumulation fund, the Board also considered whether members of the board of managers of the accumulation fund are \u201cofficers, directors, or employees\u201d within such prohibition. The functions of the board of managers, who are elected by the variable annuity contract owners, are, with the approval of the variable annuity contract owners, to select annually an independent public accountant, execute annually an agreement providing for investment advisory services, and recommend any changes in the fundamental investment policy of the accumulation fund. In addition, the Board of managers has sole authority to execute an agreement providing for sales and administrative services and to authorize all investments of the assets of the accumulation fund in accordance with its fundamental investment policy. In the opinion of the Board of Governors, the board of managers of the accumulation fund performs functions essentially the same as those performed by classes of persons as to whom the prohibition of section 32 was specifically directed and, accordingly, are within the prohibitions of the statute.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["250"],"part_title":["PART 250 - MISCELLANEOUS INTERPRETATIONS"],"section":["250.411"],"section_title":["\u00a7 250.411 Interlocking relationships between member bank and variable annuity insurance company."]},"_input_hash":686137229,"_task_hash":20912309,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711810546,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) The Board has recently been asked to consider whether section 32 of the Banking Act of 1933 (12 U.S.C. 78) and this part prohibit interlocking service between member banks and (1) the board of managers of an accumulation fund, registered under the Investment Company Act of 1940 (15 U.S.C. 80), that sells variable annuities and (2) the board of directors of the insurance company, of which the accumulation fund is a \u201cseparate account,\u201d but as to which the insurance company is the sponsor, investment advisor, underwriter, and distributor. Briefly, a variable annuity is one providing for annuity payment varying in accordance with the changing values of a portfolio of securities. , (b) Section 32 provides in relevant part that: , No officer, director, or employee of any corporation or unincorporated association, no partner or employee of any partnership, and no individual, primarily engaged in the issue, flotation, underwriting, public sale, or distribution, at wholesale or retail, or through syndicate participation, of stocks, bonds, or other similar securities, shall serve at the same time as an officer, director, or employee of any member bank * * *., (c) For many years, the Board's position has been that an open-end investment company (or mutual fund) is \u201cprimarily engaged in the issue * * * public sale, or distribution * * * of securities\u201d since the issuance and sale of its stock is essential to the maintenance of the company's size and to the continuance of its operations without substantial contraction, and that section 32 of the Banking Act of 1933 prohibits an officer, director, or employee of any such company from serving at the same time as an officer, director, or employee of any member bank. (1951 Federal Reserve Bulletin 645; \u00a7 218.101.) , (d) For reasons similar to those stated by the U.S. Supreme Court in Securities and Exchange Commission v. Variable Annuity Life Insurance Company of America, 359 U.S. 65 (1959), the Board concluded that there is no meaningful basis for distinguishing a variable annuity interest from a mutual fund share for section 32 purposes and that, therefore, variable annuity interests should also be regarded as \u201cother similar securities\u201d within the prohibition of the statute and regulation. , (e) The Board concluded also that, since the accumulation fund, like a mutual fund, must continually issue and sell its investment units in order to avoid the inevitable contraction of its activities as it makes annuity payments or redeems variable annuity units, the accumulation fund is \u201cprimarily engaged\u201d for section 32 purposes. The Board further concluded that the insurance company was likewise \u201cprimarily engaged\u201d for the purposes of the statute since it had no significant revenue producing operations other than as underwriter and distributor of the accumulation fund's units and investment advisor to the fund. , (f) Although it was clear, therefore, that section 32 prohibits any officers, directors, and employees of member banks from serving in any such capacity with the insurance company or accumulation fund, the Board also considered whether members of the board of managers of the accumulation fund are \u201cofficers, directors, or employees\u201d within such prohibition. The functions of the board of managers, who are elected by the variable annuity contract owners, are, with the approval of the variable annuity contract owners, to select annually an independent public accountant, execute annually an agreement providing for investment advisory services, and recommend any changes in the fundamental investment policy of the accumulation fund. In addition, the Board of managers has sole authority to execute an agreement providing for sales and administrative services and to authorize all investments of the assets of the accumulation fund in accordance with its fundamental investment policy. In the opinion of the Board of Governors, the board of managers of the accumulation fund performs functions essentially the same as those performed by classes of persons as to whom the prohibition of section 32 was specifically directed and, accordingly, are within the prohibitions of the statute.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["250"],"part_title":["PART 250 - MISCELLANEOUS INTERPRETATIONS"],"section":["250.411"],"section_title":["\u00a7 250.411 Interlocking relationships between member bank and variable annuity insurance company."]},"_input_hash":686137229,"_task_hash":638053008,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711817423,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Notice of intent to issue directive - (1) Generally. Whenever the NCUA Board intends to issue a directive imposing a discretionary supervisory action under\u00a7 702.107 (b), \u00a7 702.108(b) or \u00a7 702.109(b) of this chapter on a credit union classified \u201cundercapitalized\u201d or lower, or under \u00a7 702.204(b) or \u00a7 702.205(b) of this chapter on a new credit union classified \u201cmoderately capitalized\u201d or lower, it must give the credit union prior notice of the proposed action and an opportunity to respond. , (2) Immediate issuance of directive without notice. The NCUA Board may issue a directive to take effect immediately under paragraph (a)(1) of this section without notice to the credit union if the NCUA Board finds it necessary in order to carry out the purposes of part 702 of this chapter. A credit union that is subject to a directive which takes effect immediately may appeal the directive in writing to the NCUA Board. Such an appeal must be received by the NCUA Board within 14 calendar days after the directive was issued, unless the NCUA Board permits a longer period. Unless ordered by the NCUA Board, the directive shall remain in effect pending a decision on the appeal. The NCUA Board shall consider any such appeal, if timely filed, within 60 calendar days of receiving it. , (b) Contents of notice. The NCUA Board's notice to a credit union of its intention to issue a directive imposing a discretionary supervisory action must state: , (1) The credit union's net worth ratio and net worth category classification; , (2) The specific restrictions or requirements that the NCUA Board intends to impose, and the reasons therefor; , (3) The proposed date when the discretionary supervisory action would take effect and the proposed date for completing the required action or terminating the action; and , (4) That a credit union must file a written response to a notice within 14 calendar days from the date of the notice, or within such shorter period as the NCUA Board determines is appropriate in light of the financial condition of the credit union or other relevant circumstances. , (c) Contents of response to notice. A credit union's response to a notice under paragraph (b) of this section must: , (1) Explain why it contends that the proposed discretionary supervisory action is not an appropriate exercise of discretion under this part; , (2) Request the NCUA Board to modify or to not issue the proposed directive; , (3) Include other relevant information, mitigating circumstances, documentation, or other evidence in support of the credit union's position regarding the proposed directive; and , (4) If desired, request the recommendation of NCUA's ombudsman pursuant to paragraph (g) of this section. , (d) NCUA Board consideration of response. The NCUA Board, or an independent person designated by the NCUA Board to act on its behalf, after considering a response under paragraph (c) of this section, may: , (1) Issue the directive as originally proposed or as modified; , (2) Determine not to issue the directive and to so notify the credit union; or , (3) Seek additional information or clarification from the credit union or any other relevant source. , (e) Failure to file response. A credit union which fails to file a written response to a notice of the NCUA Board's intention to issue a directive imposing a discretionary supervisory action, within the specified time period, shall be deemed to have waived the opportunity to respond, and to have consented to the issuance of the directive. , (f) Request to modify or rescind directive. A credit union that is subject to an existing directive imposing a discretionary supervisory action may request in writing that the NCUA Board reconsider the terms of the directive, or rescind or modify it, due to changed circumstances. Unless otherwise ordered by the NCUA Board, the directive shall remain in effect while such request is pending. A request under this paragraph which remains pending 60 days following receipt by the NCUA Board is deemed granted. , (g) Ombudsman. A credit union may request in writing the recommendation of NCUA's ombudsman to modify or to not issue a proposed directive under paragraph (b) of this section, or to modify or rescind an existing directive due to changed circumstances under paragraph (f) of this section. A credit union which fails to request the ombudsman's recommendation in a response under paragraph (c) of this section, or in a request under paragraph (f) of this section, shall be deemed to have waived the opportunity to do so. The ombudsman shall promptly notify the credit union and the NCUA Board of his or her recommendation.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.2002"],"section_title":["\u00a7 747.2002 Review of orders imposing discretionary supervisory action."]},"_input_hash":1568581077,"_task_hash":766779637,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843628,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) Notice of intent to issue directive - (1) Generally. Whenever the NCUA Board intends to issue a directive imposing a discretionary supervisory action under\u00a7 702.107 (b), \u00a7 702.108(b) or \u00a7 702.109(b) of this chapter on a credit union classified \u201cundercapitalized\u201d or lower, or under \u00a7 702.204(b) or \u00a7 702.205(b) of this chapter on a new credit union classified \u201cmoderately capitalized\u201d or lower, it must give the credit union prior notice of the proposed action and an opportunity to respond. , (2) Immediate issuance of directive without notice. The NCUA Board may issue a directive to take effect immediately under paragraph (a)(1) of this section without notice to the credit union if the NCUA Board finds it necessary in order to carry out the purposes of part 702 of this chapter. A credit union that is subject to a directive which takes effect immediately may appeal the directive in writing to the NCUA Board. Such an appeal must be received by the NCUA Board within 14 calendar days after the directive was issued, unless the NCUA Board permits a longer period. Unless ordered by the NCUA Board, the directive shall remain in effect pending a decision on the appeal. The NCUA Board shall consider any such appeal, if timely filed, within 60 calendar days of receiving it. , (b) Contents of notice. The NCUA Board's notice to a credit union of its intention to issue a directive imposing a discretionary supervisory action must state: , (1) The credit union's net worth ratio and net worth category classification; , (2) The specific restrictions or requirements that the NCUA Board intends to impose, and the reasons therefor; , (3) The proposed date when the discretionary supervisory action would take effect and the proposed date for completing the required action or terminating the action; and , (4) That a credit union must file a written response to a notice within 14 calendar days from the date of the notice, or within such shorter period as the NCUA Board determines is appropriate in light of the financial condition of the credit union or other relevant circumstances. , (c) Contents of response to notice. A credit union's response to a notice under paragraph (b) of this section must: , (1) Explain why it contends that the proposed discretionary supervisory action is not an appropriate exercise of discretion under this part; , (2) Request the NCUA Board to modify or to not issue the proposed directive; , (3) Include other relevant information, mitigating circumstances, documentation, or other evidence in support of the credit union's position regarding the proposed directive; and , (4) If desired, request the recommendation of NCUA's ombudsman pursuant to paragraph (g) of this section. , (d) NCUA Board consideration of response. The NCUA Board, or an independent person designated by the NCUA Board to act on its behalf, after considering a response under paragraph (c) of this section, may: , (1) Issue the directive as originally proposed or as modified; , (2) Determine not to issue the directive and to so notify the credit union; or , (3) Seek additional information or clarification from the credit union or any other relevant source. , (e) Failure to file response. A credit union which fails to file a written response to a notice of the NCUA Board's intention to issue a directive imposing a discretionary supervisory action, within the specified time period, shall be deemed to have waived the opportunity to respond, and to have consented to the issuance of the directive. , (f) Request to modify or rescind directive. A credit union that is subject to an existing directive imposing a discretionary supervisory action may request in writing that the NCUA Board reconsider the terms of the directive, or rescind or modify it, due to changed circumstances. Unless otherwise ordered by the NCUA Board, the directive shall remain in effect while such request is pending. A request under this paragraph which remains pending 60 days following receipt by the NCUA Board is deemed granted. , (g) Ombudsman. A credit union may request in writing the recommendation of NCUA's ombudsman to modify or to not issue a proposed directive under paragraph (b) of this section, or to modify or rescind an existing directive due to changed circumstances under paragraph (f) of this section. A credit union which fails to request the ombudsman's recommendation in a response under paragraph (c) of this section, or in a request under paragraph (f) of this section, shall be deemed to have waived the opportunity to do so. The ombudsman shall promptly notify the credit union and the NCUA Board of his or her recommendation.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.2002"],"section_title":["\u00a7 747.2002 Review of orders imposing discretionary supervisory action."]},"_input_hash":1568581077,"_task_hash":766779637,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711810630,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) Notice of intent to issue directive - (1) Generally. Whenever the NCUA Board intends to issue a directive imposing a discretionary supervisory action under\u00a7 702.107 (b), \u00a7 702.108(b) or \u00a7 702.109(b) of this chapter on a credit union classified \u201cundercapitalized\u201d or lower, or under \u00a7 702.204(b) or \u00a7 702.205(b) of this chapter on a new credit union classified \u201cmoderately capitalized\u201d or lower, it must give the credit union prior notice of the proposed action and an opportunity to respond. , (2) Immediate issuance of directive without notice. The NCUA Board may issue a directive to take effect immediately under paragraph (a)(1) of this section without notice to the credit union if the NCUA Board finds it necessary in order to carry out the purposes of part 702 of this chapter. A credit union that is subject to a directive which takes effect immediately may appeal the directive in writing to the NCUA Board. Such an appeal must be received by the NCUA Board within 14 calendar days after the directive was issued, unless the NCUA Board permits a longer period. Unless ordered by the NCUA Board, the directive shall remain in effect pending a decision on the appeal. The NCUA Board shall consider any such appeal, if timely filed, within 60 calendar days of receiving it. , (b) Contents of notice. The NCUA Board's notice to a credit union of its intention to issue a directive imposing a discretionary supervisory action must state: , (1) The credit union's net worth ratio and net worth category classification; , (2) The specific restrictions or requirements that the NCUA Board intends to impose, and the reasons therefor; , (3) The proposed date when the discretionary supervisory action would take effect and the proposed date for completing the required action or terminating the action; and , (4) That a credit union must file a written response to a notice within 14 calendar days from the date of the notice, or within such shorter period as the NCUA Board determines is appropriate in light of the financial condition of the credit union or other relevant circumstances. , (c) Contents of response to notice. A credit union's response to a notice under paragraph (b) of this section must: , (1) Explain why it contends that the proposed discretionary supervisory action is not an appropriate exercise of discretion under this part; , (2) Request the NCUA Board to modify or to not issue the proposed directive; , (3) Include other relevant information, mitigating circumstances, documentation, or other evidence in support of the credit union's position regarding the proposed directive; and , (4) If desired, request the recommendation of NCUA's ombudsman pursuant to paragraph (g) of this section. , (d) NCUA Board consideration of response. The NCUA Board, or an independent person designated by the NCUA Board to act on its behalf, after considering a response under paragraph (c) of this section, may: , (1) Issue the directive as originally proposed or as modified; , (2) Determine not to issue the directive and to so notify the credit union; or , (3) Seek additional information or clarification from the credit union or any other relevant source. , (e) Failure to file response. A credit union which fails to file a written response to a notice of the NCUA Board's intention to issue a directive imposing a discretionary supervisory action, within the specified time period, shall be deemed to have waived the opportunity to respond, and to have consented to the issuance of the directive. , (f) Request to modify or rescind directive. A credit union that is subject to an existing directive imposing a discretionary supervisory action may request in writing that the NCUA Board reconsider the terms of the directive, or rescind or modify it, due to changed circumstances. Unless otherwise ordered by the NCUA Board, the directive shall remain in effect while such request is pending. A request under this paragraph which remains pending 60 days following receipt by the NCUA Board is deemed granted. , (g) Ombudsman. A credit union may request in writing the recommendation of NCUA's ombudsman to modify or to not issue a proposed directive under paragraph (b) of this section, or to modify or rescind an existing directive due to changed circumstances under paragraph (f) of this section. A credit union which fails to request the ombudsman's recommendation in a response under paragraph (c) of this section, or in a request under paragraph (f) of this section, shall be deemed to have waived the opportunity to do so. The ombudsman shall promptly notify the credit union and the NCUA Board of his or her recommendation.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.2002"],"section_title":["\u00a7 747.2002 Review of orders imposing discretionary supervisory action."]},"_input_hash":1568581077,"_task_hash":-1395890590,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711832518,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"This subpart prescribes rules relating to general practice before the Board on one's own behalf or in a representational capacity, including the circumstances under which disciplinary sanctions - censure, suspension, or debarment - may be imposed upon persons appearing in a representational capacity, including attorneys and accountants, but not including employees of the Board. These disciplinary sanctions, which continue in effect beyond the duration of a specific proceeding, supplement the provisions of \u00a7 263.6(b) of subpart A, which address control of a specific proceeding. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["263"],"part_title":["PART 263 - RULES OF PRACTICE FOR HEARINGS"],"section":["263.90"],"section_title":["\u00a7 263.90 Scope."]},"_input_hash":-498177834,"_task_hash":687461471,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843629,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"tyler\""],"versions":[{"text":"This subpart prescribes rules relating to general practice before the Board on one's own behalf or in a representational capacity, including the circumstances under which disciplinary sanctions - censure, suspension, or debarment - may be imposed upon persons appearing in a representational capacity, including attorneys and accountants, but not including employees of the Board. These disciplinary sanctions, which continue in effect beyond the duration of a specific proceeding, supplement the provisions of \u00a7 263.6(b) of subpart A, which address control of a specific proceeding. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["263"],"part_title":["PART 263 - RULES OF PRACTICE FOR HEARINGS"],"section":["263.90"],"section_title":["\u00a7 263.90 Scope."]},"_input_hash":-498177834,"_task_hash":-425651119,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711810652,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"This subpart prescribes rules relating to general practice before the Board on one's own behalf or in a representational capacity, including the circumstances under which disciplinary sanctions - censure, suspension, or debarment - may be imposed upon persons appearing in a representational capacity, including attorneys and accountants, but not including employees of the Board. These disciplinary sanctions, which continue in effect beyond the duration of a specific proceeding, supplement the provisions of \u00a7 263.6(b) of subpart A, which address control of a specific proceeding. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["263"],"part_title":["PART 263 - RULES OF PRACTICE FOR HEARINGS"],"section":["263.90"],"section_title":["\u00a7 263.90 Scope."]},"_input_hash":-498177834,"_task_hash":687461471,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711817707,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) Basis for assessment. Each calendar year, or as otherwise directed by the NCUA Board, each Federal credit union shall pay an operating fee to the NCUA for the current fiscal year (January 1 to December 31) in accordance with a schedule fixed by the Board from time to time., (1) General. The operating fee shall be based on the average of total assets of each Federal credit union based on data reported in NCUA Forms 5300 and 5310 from the four quarters immediately preceding the time the Board approves the agency's budget or as otherwise determined pursuant to paragraph (b) of this section., (2) Exclusions from total assets. For purposes of calculating the operating fee, total assets shall not include any loans on the books of a natural person Federal credit union made under the Small Business Administration's Paycheck Protection Program, 15 U.S.C. 636(a)(36), or any similar program approved for exclusion by the NCUA Board., (b) Coverage. The operating fee shall be paid by each Federal credit union engaged in operations as of January 1 of each calendar year in accordance with paragraph (a) of this section, except as otherwise provided by this paragraph (b)., (1) New charters. A newly chartered Federal credit union will not pay an operating fee until the year following the first full calendar year after the date chartered., (2) Conversions. (i) In the first calendar year following conversion:, (A) A federally insured state-chartered credit union that converts to a Federal credit union charter must pay an operating fee based on the average assets reported in the year of conversion on NCUA Forms 5300 or 5310 from the four quarters immediately preceding the time the Board approves the agency's budget in the year of conversion., (B) An entity not insured by the NCUA that converts to a Federal credit union charter must pay an operating fee based on the assets, or average thereof, reported on NCUA Forms 5300 or 5310 for any one or more quarters immediately preceding the time the Board approves the agency's budget in the year of conversion., (ii) A Federal credit union converting to a different charter will not receive a refund of any operating fees paid to the NCUA., (3) Mergers. (i) In the first calendar year following merger:, (A) A continuing Federal credit union that has merged with one or more federally insured credit unions must pay an operating fee based on the average combined total assets of the Federal credit union and any merged federally insured credit unions as reported on NCUA Forms 5300 or 5310 in the four quarters immediately preceding the time the Board approves the agency's budget in the merger year., (B) For purposes of this paragraph (b)(3), a purchase and assumption transaction where the continuing Federal credit union purchases all or essentially all of the assets of another depository institution shall be deemed a merger., (ii) A Federal credit union that merges with a Federal or state-chartered credit union, or an entity not insured by the NCUA, will not receive a refund of any operating fee paid to the NCUA., (4) Liquidations. A Federal credit union placed in liquidation will not pay any operating fee after the date of liquidation., (c) Notification. Each Federal credit union shall be notified at least 30 days in advance of the schedule of fees to be paid. A Federal credit union may submit written comments to the Board for consideration regarding the existing fee schedule. Any subsequent revision to the schedule shall be provided to each Federal credit union at least 15 days before payment is due., (d) Assessment of Administrative Fee and Interest for Delinquent Payment. Each Federal credit union shall pay to the Administration an administrative fee, the costs of collection, and interest on any delinquent payment of its operating fee. A payment will be considered delinquent if it is postmarked later than the date stated in the notice to the credit union provided under \u00a7 701.6(c). The National Credit Union Administration may waive or abate charges or collection of interest if circumstances warrant., (1) The administrative fee for a delinquent payment shall be an amount fixed from time to time by the National Credit Union Administration Board and based upon the administrative costs of such delinquent payments to the Administration in the preceding year., (2) The costs of collection shall be the actual hours expended by Administration personnel multiplied by the average hourly salary and benefits costs of such personnel as determined by the National Credit Union Administration Board., (3) The interest rate charged on any delinquent payment shall be the U.S. Department of the Treasury Tax and Loan Rate in effect on the date when the payment is due as provided in 31 U.S.C. 3717., (4) If a credit union makes a combined payment of its operating fee and its share insurance deposit as provided in \u00a7 741.4 of this chapter and such payment is delinquent, only one administrative fee will be charged and interest will be charged on the total combined payment. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["701"],"part_title":["PART 701 - ORGANIZATION AND OPERATION OF FEDERAL CREDIT UNIONS"],"section":["701.6"],"section_title":["\u00a7 701.6 Fees paid by Federal credit unions."]},"_input_hash":-1935519414,"_task_hash":980296196,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843631,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) Basis for assessment. Each calendar year, or as otherwise directed by the NCUA Board, each Federal credit union shall pay an operating fee to the NCUA for the current fiscal year (January 1 to December 31) in accordance with a schedule fixed by the Board from time to time., (1) General. The operating fee shall be based on the average of total assets of each Federal credit union based on data reported in NCUA Forms 5300 and 5310 from the four quarters immediately preceding the time the Board approves the agency's budget or as otherwise determined pursuant to paragraph (b) of this section., (2) Exclusions from total assets. For purposes of calculating the operating fee, total assets shall not include any loans on the books of a natural person Federal credit union made under the Small Business Administration's Paycheck Protection Program, 15 U.S.C. 636(a)(36), or any similar program approved for exclusion by the NCUA Board., (b) Coverage. The operating fee shall be paid by each Federal credit union engaged in operations as of January 1 of each calendar year in accordance with paragraph (a) of this section, except as otherwise provided by this paragraph (b)., (1) New charters. A newly chartered Federal credit union will not pay an operating fee until the year following the first full calendar year after the date chartered., (2) Conversions. (i) In the first calendar year following conversion:, (A) A federally insured state-chartered credit union that converts to a Federal credit union charter must pay an operating fee based on the average assets reported in the year of conversion on NCUA Forms 5300 or 5310 from the four quarters immediately preceding the time the Board approves the agency's budget in the year of conversion., (B) An entity not insured by the NCUA that converts to a Federal credit union charter must pay an operating fee based on the assets, or average thereof, reported on NCUA Forms 5300 or 5310 for any one or more quarters immediately preceding the time the Board approves the agency's budget in the year of conversion., (ii) A Federal credit union converting to a different charter will not receive a refund of any operating fees paid to the NCUA., (3) Mergers. (i) In the first calendar year following merger:, (A) A continuing Federal credit union that has merged with one or more federally insured credit unions must pay an operating fee based on the average combined total assets of the Federal credit union and any merged federally insured credit unions as reported on NCUA Forms 5300 or 5310 in the four quarters immediately preceding the time the Board approves the agency's budget in the merger year., (B) For purposes of this paragraph (b)(3), a purchase and assumption transaction where the continuing Federal credit union purchases all or essentially all of the assets of another depository institution shall be deemed a merger., (ii) A Federal credit union that merges with a Federal or state-chartered credit union, or an entity not insured by the NCUA, will not receive a refund of any operating fee paid to the NCUA., (4) Liquidations. A Federal credit union placed in liquidation will not pay any operating fee after the date of liquidation., (c) Notification. Each Federal credit union shall be notified at least 30 days in advance of the schedule of fees to be paid. A Federal credit union may submit written comments to the Board for consideration regarding the existing fee schedule. Any subsequent revision to the schedule shall be provided to each Federal credit union at least 15 days before payment is due., (d) Assessment of Administrative Fee and Interest for Delinquent Payment. Each Federal credit union shall pay to the Administration an administrative fee, the costs of collection, and interest on any delinquent payment of its operating fee. A payment will be considered delinquent if it is postmarked later than the date stated in the notice to the credit union provided under \u00a7 701.6(c). The National Credit Union Administration may waive or abate charges or collection of interest if circumstances warrant., (1) The administrative fee for a delinquent payment shall be an amount fixed from time to time by the National Credit Union Administration Board and based upon the administrative costs of such delinquent payments to the Administration in the preceding year., (2) The costs of collection shall be the actual hours expended by Administration personnel multiplied by the average hourly salary and benefits costs of such personnel as determined by the National Credit Union Administration Board., (3) The interest rate charged on any delinquent payment shall be the U.S. Department of the Treasury Tax and Loan Rate in effect on the date when the payment is due as provided in 31 U.S.C. 3717., (4) If a credit union makes a combined payment of its operating fee and its share insurance deposit as provided in \u00a7 741.4 of this chapter and such payment is delinquent, only one administrative fee will be charged and interest will be charged on the total combined payment. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["701"],"part_title":["PART 701 - ORGANIZATION AND OPERATION OF FEDERAL CREDIT UNIONS"],"section":["701.6"],"section_title":["\u00a7 701.6 Fees paid by Federal credit unions."]},"_input_hash":-1935519414,"_task_hash":980296196,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711810784,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) Basis for assessment. Each calendar year, or as otherwise directed by the NCUA Board, each Federal credit union shall pay an operating fee to the NCUA for the current fiscal year (January 1 to December 31) in accordance with a schedule fixed by the Board from time to time., (1) General. The operating fee shall be based on the average of total assets of each Federal credit union based on data reported in NCUA Forms 5300 and 5310 from the four quarters immediately preceding the time the Board approves the agency's budget or as otherwise determined pursuant to paragraph (b) of this section., (2) Exclusions from total assets. For purposes of calculating the operating fee, total assets shall not include any loans on the books of a natural person Federal credit union made under the Small Business Administration's Paycheck Protection Program, 15 U.S.C. 636(a)(36), or any similar program approved for exclusion by the NCUA Board., (b) Coverage. The operating fee shall be paid by each Federal credit union engaged in operations as of January 1 of each calendar year in accordance with paragraph (a) of this section, except as otherwise provided by this paragraph (b)., (1) New charters. A newly chartered Federal credit union will not pay an operating fee until the year following the first full calendar year after the date chartered., (2) Conversions. (i) In the first calendar year following conversion:, (A) A federally insured state-chartered credit union that converts to a Federal credit union charter must pay an operating fee based on the average assets reported in the year of conversion on NCUA Forms 5300 or 5310 from the four quarters immediately preceding the time the Board approves the agency's budget in the year of conversion., (B) An entity not insured by the NCUA that converts to a Federal credit union charter must pay an operating fee based on the assets, or average thereof, reported on NCUA Forms 5300 or 5310 for any one or more quarters immediately preceding the time the Board approves the agency's budget in the year of conversion., (ii) A Federal credit union converting to a different charter will not receive a refund of any operating fees paid to the NCUA., (3) Mergers. (i) In the first calendar year following merger:, (A) A continuing Federal credit union that has merged with one or more federally insured credit unions must pay an operating fee based on the average combined total assets of the Federal credit union and any merged federally insured credit unions as reported on NCUA Forms 5300 or 5310 in the four quarters immediately preceding the time the Board approves the agency's budget in the merger year., (B) For purposes of this paragraph (b)(3), a purchase and assumption transaction where the continuing Federal credit union purchases all or essentially all of the assets of another depository institution shall be deemed a merger., (ii) A Federal credit union that merges with a Federal or state-chartered credit union, or an entity not insured by the NCUA, will not receive a refund of any operating fee paid to the NCUA., (4) Liquidations. A Federal credit union placed in liquidation will not pay any operating fee after the date of liquidation., (c) Notification. Each Federal credit union shall be notified at least 30 days in advance of the schedule of fees to be paid. A Federal credit union may submit written comments to the Board for consideration regarding the existing fee schedule. Any subsequent revision to the schedule shall be provided to each Federal credit union at least 15 days before payment is due., (d) Assessment of Administrative Fee and Interest for Delinquent Payment. Each Federal credit union shall pay to the Administration an administrative fee, the costs of collection, and interest on any delinquent payment of its operating fee. A payment will be considered delinquent if it is postmarked later than the date stated in the notice to the credit union provided under \u00a7 701.6(c). The National Credit Union Administration may waive or abate charges or collection of interest if circumstances warrant., (1) The administrative fee for a delinquent payment shall be an amount fixed from time to time by the National Credit Union Administration Board and based upon the administrative costs of such delinquent payments to the Administration in the preceding year., (2) The costs of collection shall be the actual hours expended by Administration personnel multiplied by the average hourly salary and benefits costs of such personnel as determined by the National Credit Union Administration Board., (3) The interest rate charged on any delinquent payment shall be the U.S. Department of the Treasury Tax and Loan Rate in effect on the date when the payment is due as provided in 31 U.S.C. 3717., (4) If a credit union makes a combined payment of its operating fee and its share insurance deposit as provided in \u00a7 741.4 of this chapter and such payment is delinquent, only one administrative fee will be charged and interest will be charged on the total combined payment. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["701"],"part_title":["PART 701 - ORGANIZATION AND OPERATION OF FEDERAL CREDIT UNIONS"],"section":["701.6"],"section_title":["\u00a7 701.6 Fees paid by Federal credit unions."]},"_input_hash":-1935519414,"_task_hash":-529639942,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711832814,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Insurance companies. - (1) An insurance company applicant shall be deemed to meet the financial condition requirement of \u00a7 1263.6(a)(4) if the Bank determines:, (i) Based on the information contained in the applicant's most recent regulatory financial report filed with its appropriate regulator, that the applicant meets all of its minimum statutory and regulatory capital requirements and the capital standards established by the NAIC; and, (ii) Based on the applicant's most recent audited financial statements, that the applicant's financial condition is such that the Bank can safely make advances to it., (2) In making the determination required under paragraph (a)(1)(ii) of this section, the Bank shall use audited financial statements that have been prepared in accordance with generally accepted accounting principles, if they are available. If they are not available, the Bank may use audited financial statements prepared in accordance with statutory accounting principles., (b) CDFIs other than CDFI credit unions. - (1) Review requirement. In order for a Bank to determine whether a CDFI applicant, other than a CDFI credit union, has complied with the financial condition requirement of \u00a7 1263.6(a)(4), the applicant shall submit, as a part of its membership application, each of the following documents, and the Bank shall consider all such information prior to acting on the application for membership:, (i) Financial statements. An independent audit conducted within the prior year in accordance with generally accepted auditing standards by a certified public accounting firm, plus more recent quarterly statements, if available, and financial statements for the two years prior to the most recent audited financial statement. At a minimum, all such financial statements must include income and expense statements, statements of activities, statements of financial position, and statements of cash flows. The financial statement for the most recent year must include separate schedules or disclosures of the financial position of each of the applicant's affiliates, descriptions of their lines of business, detailed financial disclosures of the relationship between the applicant and its affiliates (such as indebtedness or subordinate debt obligations), disclosures of interlocking directorships with each affiliate, and identification of temporary and permanently restricted funds and the requirements of these restrictions;, (ii) CDFI Fund certification. The certification that the applicant has received from the CDFI Fund. If the certification is more than three years old, the applicant must also submit a written statement attesting that there have been no material events or occurrences since the date of certification that would adversely affect its strategic direction, mission, or business operations; and, (iii) Additional information. Any other relevant document or information a Bank requests concerning the applicant's financial condition that is not contained in the applicant's financial statements, as well as any other information that the applicant believes demonstrates that it satisfies the financial condition requirement of \u00a7 1263.6(a)(4), notwithstanding its failure to meet any of the financial condition standards of paragraph (b)(2) of this section., (2) Standards. A CDFI applicant, other than a CDFI credit union, shall be deemed to be in compliance with the financial condition requirement of \u00a7 1263.6(a)(4) if it meets all of the following minimum financial standards - , (i) Net asset ratio. The applicant's ratio of net assets to total assets is at least 20 percent, with net and total assets including restricted assets, where net assets is calculated as the residual value of assets over liabilities and is based on information derived from the applicant's most recent financial statements;, (ii) Earnings. The applicant has shown positive net income, where net income is calculated as gross revenues less total expenses, is based on information derived from the applicant's most recent financial statements, and is measured as a rolling three-year average;, (iii) Loan loss reserves. The applicant's ratio of loan loss reserves to loans and leases 90 days or more delinquent (including loans sold with full recourse) is at least 30 percent, where loan loss reserves are a specified balance sheet account that reflects the amount reserved for loans expected to be uncollectible and are based on information derived from the applicant's most recent financial statements;, (iv) Liquidity. The applicant has an operating liquidity ratio of at least 1.0 for the four most recent quarters, and for one or both of the two preceding years, where the numerator of the ratio includes unrestricted cash and cash equivalents and the denominator of the ratio is the average quarterly operating expense.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1263"],"part_title":["PART 1263 - MEMBERS OF THE BANKS"],"section":["1263.16"],"section_title":["\u00a7 1263.16 Financial condition requirement for insurance company and certain CDFI applicants."]},"_input_hash":-1797149369,"_task_hash":1690882777,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843634,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"(a) Insurance companies. - (1) An insurance company applicant shall be deemed to meet the financial condition requirement of \u00a7 1263.6(a)(4) if the Bank determines:, (i) Based on the information contained in the applicant's most recent regulatory financial report filed with its appropriate regulator, that the applicant meets all of its minimum statutory and regulatory capital requirements and the capital standards established by the NAIC; and, (ii) Based on the applicant's most recent audited financial statements, that the applicant's financial condition is such that the Bank can safely make advances to it., (2) In making the determination required under paragraph (a)(1)(ii) of this section, the Bank shall use audited financial statements that have been prepared in accordance with generally accepted accounting principles, if they are available. If they are not available, the Bank may use audited financial statements prepared in accordance with statutory accounting principles., (b) CDFIs other than CDFI credit unions. - (1) Review requirement. In order for a Bank to determine whether a CDFI applicant, other than a CDFI credit union, has complied with the financial condition requirement of \u00a7 1263.6(a)(4), the applicant shall submit, as a part of its membership application, each of the following documents, and the Bank shall consider all such information prior to acting on the application for membership:, (i) Financial statements. An independent audit conducted within the prior year in accordance with generally accepted auditing standards by a certified public accounting firm, plus more recent quarterly statements, if available, and financial statements for the two years prior to the most recent audited financial statement. At a minimum, all such financial statements must include income and expense statements, statements of activities, statements of financial position, and statements of cash flows. The financial statement for the most recent year must include separate schedules or disclosures of the financial position of each of the applicant's affiliates, descriptions of their lines of business, detailed financial disclosures of the relationship between the applicant and its affiliates (such as indebtedness or subordinate debt obligations), disclosures of interlocking directorships with each affiliate, and identification of temporary and permanently restricted funds and the requirements of these restrictions;, (ii) CDFI Fund certification. The certification that the applicant has received from the CDFI Fund. If the certification is more than three years old, the applicant must also submit a written statement attesting that there have been no material events or occurrences since the date of certification that would adversely affect its strategic direction, mission, or business operations; and, (iii) Additional information. Any other relevant document or information a Bank requests concerning the applicant's financial condition that is not contained in the applicant's financial statements, as well as any other information that the applicant believes demonstrates that it satisfies the financial condition requirement of \u00a7 1263.6(a)(4), notwithstanding its failure to meet any of the financial condition standards of paragraph (b)(2) of this section., (2) Standards. A CDFI applicant, other than a CDFI credit union, shall be deemed to be in compliance with the financial condition requirement of \u00a7 1263.6(a)(4) if it meets all of the following minimum financial standards - , (i) Net asset ratio. The applicant's ratio of net assets to total assets is at least 20 percent, with net and total assets including restricted assets, where net assets is calculated as the residual value of assets over liabilities and is based on information derived from the applicant's most recent financial statements;, (ii) Earnings. The applicant has shown positive net income, where net income is calculated as gross revenues less total expenses, is based on information derived from the applicant's most recent financial statements, and is measured as a rolling three-year average;, (iii) Loan loss reserves. The applicant's ratio of loan loss reserves to loans and leases 90 days or more delinquent (including loans sold with full recourse) is at least 30 percent, where loan loss reserves are a specified balance sheet account that reflects the amount reserved for loans expected to be uncollectible and are based on information derived from the applicant's most recent financial statements;, (iv) Liquidity. The applicant has an operating liquidity ratio of at least 1.0 for the four most recent quarters, and for one or both of the two preceding years, where the numerator of the ratio includes unrestricted cash and cash equivalents and the denominator of the ratio is the average quarterly operating expense.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1263"],"part_title":["PART 1263 - MEMBERS OF THE BANKS"],"section":["1263.16"],"section_title":["\u00a7 1263.16 Financial condition requirement for insurance company and certain CDFI applicants."]},"_input_hash":-1797149369,"_task_hash":1690882777,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711810945,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"(a) Insurance companies. - (1) An insurance company applicant shall be deemed to meet the financial condition requirement of \u00a7 1263.6(a)(4) if the Bank determines:, (i) Based on the information contained in the applicant's most recent regulatory financial report filed with its appropriate regulator, that the applicant meets all of its minimum statutory and regulatory capital requirements and the capital standards established by the NAIC; and, (ii) Based on the applicant's most recent audited financial statements, that the applicant's financial condition is such that the Bank can safely make advances to it., (2) In making the determination required under paragraph (a)(1)(ii) of this section, the Bank shall use audited financial statements that have been prepared in accordance with generally accepted accounting principles, if they are available. If they are not available, the Bank may use audited financial statements prepared in accordance with statutory accounting principles., (b) CDFIs other than CDFI credit unions. - (1) Review requirement. In order for a Bank to determine whether a CDFI applicant, other than a CDFI credit union, has complied with the financial condition requirement of \u00a7 1263.6(a)(4), the applicant shall submit, as a part of its membership application, each of the following documents, and the Bank shall consider all such information prior to acting on the application for membership:, (i) Financial statements. An independent audit conducted within the prior year in accordance with generally accepted auditing standards by a certified public accounting firm, plus more recent quarterly statements, if available, and financial statements for the two years prior to the most recent audited financial statement. At a minimum, all such financial statements must include income and expense statements, statements of activities, statements of financial position, and statements of cash flows. The financial statement for the most recent year must include separate schedules or disclosures of the financial position of each of the applicant's affiliates, descriptions of their lines of business, detailed financial disclosures of the relationship between the applicant and its affiliates (such as indebtedness or subordinate debt obligations), disclosures of interlocking directorships with each affiliate, and identification of temporary and permanently restricted funds and the requirements of these restrictions;, (ii) CDFI Fund certification. The certification that the applicant has received from the CDFI Fund. If the certification is more than three years old, the applicant must also submit a written statement attesting that there have been no material events or occurrences since the date of certification that would adversely affect its strategic direction, mission, or business operations; and, (iii) Additional information. Any other relevant document or information a Bank requests concerning the applicant's financial condition that is not contained in the applicant's financial statements, as well as any other information that the applicant believes demonstrates that it satisfies the financial condition requirement of \u00a7 1263.6(a)(4), notwithstanding its failure to meet any of the financial condition standards of paragraph (b)(2) of this section., (2) Standards. A CDFI applicant, other than a CDFI credit union, shall be deemed to be in compliance with the financial condition requirement of \u00a7 1263.6(a)(4) if it meets all of the following minimum financial standards - , (i) Net asset ratio. The applicant's ratio of net assets to total assets is at least 20 percent, with net and total assets including restricted assets, where net assets is calculated as the residual value of assets over liabilities and is based on information derived from the applicant's most recent financial statements;, (ii) Earnings. The applicant has shown positive net income, where net income is calculated as gross revenues less total expenses, is based on information derived from the applicant's most recent financial statements, and is measured as a rolling three-year average;, (iii) Loan loss reserves. The applicant's ratio of loan loss reserves to loans and leases 90 days or more delinquent (including loans sold with full recourse) is at least 30 percent, where loan loss reserves are a specified balance sheet account that reflects the amount reserved for loans expected to be uncollectible and are based on information derived from the applicant's most recent financial statements;, (iv) Liquidity. The applicant has an operating liquidity ratio of at least 1.0 for the four most recent quarters, and for one or both of the two preceding years, where the numerator of the ratio includes unrestricted cash and cash equivalents and the denominator of the ratio is the average quarterly operating expense.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1263"],"part_title":["PART 1263 - MEMBERS OF THE BANKS"],"section":["1263.16"],"section_title":["\u00a7 1263.16 Financial condition requirement for insurance company and certain CDFI applicants."]},"_input_hash":-1797149369,"_task_hash":238601007,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711817995,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"NCUA will notify you of the estimated amount if fees are likely to exceed $25, unless you have indicated in advance a willingness to pay fees as high as those anticipated. You will then have the opportunity to confer with NCUA personnel to reformulate the request to meet your needs at a lower cost.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["792"],"part_title":["PART 792 - REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION"],"section":["792.21"],"section_title":["\u00a7 792.21 Will NCUA provide a fee estimate?"]},"_input_hash":-717166123,"_task_hash":-1189569923,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843636,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"tyler\""],"versions":[{"text":"NCUA will notify you of the estimated amount if fees are likely to exceed $25, unless you have indicated in advance a willingness to pay fees as high as those anticipated. You will then have the opportunity to confer with NCUA personnel to reformulate the request to meet your needs at a lower cost.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["792"],"part_title":["PART 792 - REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION"],"section":["792.21"],"section_title":["\u00a7 792.21 Will NCUA provide a fee estimate?"]},"_input_hash":-717166123,"_task_hash":-533325985,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711811038,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"NCUA will notify you of the estimated amount if fees are likely to exceed $25, unless you have indicated in advance a willingness to pay fees as high as those anticipated. You will then have the opportunity to confer with NCUA personnel to reformulate the request to meet your needs at a lower cost.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["792"],"part_title":["PART 792 - REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION"],"section":["792.21"],"section_title":["\u00a7 792.21 Will NCUA provide a fee estimate?"]},"_input_hash":-717166123,"_task_hash":1883895599,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711818064,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"NCUA will notify you of the estimated amount if fees are likely to exceed $25, unless you have indicated in advance a willingness to pay fees as high as those anticipated. You will then have the opportunity to confer with NCUA personnel to reformulate the request to meet your needs at a lower cost.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["792"],"part_title":["PART 792 - REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION"],"section":["792.21"],"section_title":["\u00a7 792.21 Will NCUA provide a fee estimate?"]},"_input_hash":-717166123,"_task_hash":-1189569923,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711827400,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) Capital requirements. (1) A corporate credit union must maintain at all times:, (i) A leverage ratio of 4.0 percent or greater;, (ii) A Tier 1 risk-based capital ratio of 4.0 percent or greater; and, (iii) A total risk-based capital ratio of 8.0 percent or greater., (2) To ensure it meets its capital requirements, a corporate credit union must develop and ensure implementation of written short- and long-term capital goals, objectives, and strategies which provide for the building of capital consistent with regulatory requirements, the maintenance of sufficient capital to support the risk exposures that may arise from current and projected activities, and the periodic review and reassessment of the capital position of the corporate credit union., (3) Beginning with the first call report submitted on or after October 21, 2013, a corporate credit union must calculate and report to NCUA the ratio of its retained earnings to its moving daily average net assets. If this ratio is less than 0.45 percent, the corporate credit union must, within 30 days, submit a retained earnings accumulation plan to the NCUA for NCUA's approval. The plan must contain a detailed explanation of how the corporate credit union will accumulate earnings sufficient to meet all its future minimum leverage ratio requirements, including specific semiannual milestones for accumulating retained earnings. In the case of a state-chartered corporate credit union, the NCUA will consult with the appropriate state supervisory authority (SSA) before making a determination to approve or disapprove the plan, and will provide the SSA a copy of the completed plan. If the corporate credit union fails to submit a plan acceptable to NCUA, or fails to comply with any element of a plan approved by NCUA, the corporate will immediately be classified as significantly undercapitalized or, if already significantly undercapitalized, as critically undercapitalized for purposes of prompt corrective actions. The corporate credit union will be subject to all the associated actions under \u00a7 704.4., (b) Requirements for nonperpetual capital accounts (NCAs) - (1) Form. NCA funds may be in the form of a term certificate or a no-maturity notice account., (2) Disclosure. The terms and conditions of a nonperpetual capital account must be disclosed to the recorded owner of the account at the time the account is opened and at least annually thereafter., (i) The initial NCA disclosure must be signed by either all of the directors of the member credit union or, if authorized by board resolution, the chair and secretary of the board; and, (ii) The annual disclosure notice must be signed by the chair of the corporate credit union. The chair must sign a statement that certifies that the notice has been sent to all entities with NCAs. The certification must be maintained in the corporate credit union's files and be available for examiner review., (3) Five-year remaining maturity. When a no-maturity NCA has been placed on notice, or a term account has a remaining maturity of less than five years, the corporate will reduce the amount of the account that can be considered as nonperpetual capital by a constant monthly amortization that ensures the capital is fully amortized one year before the date of maturity or one year before the end of the notice period. The full balance of an NCA being amortized, not just the remaining non-amortized portion, is available to absorb losses in excess of the sum of retained earnings and perpetual contributed capital until the funds are released by the corporate credit union at the time of maturity or the conclusion of the notice period., (4) Release. Nonperpetual capital may not be released due solely to the merger, charter conversion, or liquidation of the account holder. In the event of a merger, the capital account transfers to the continuing entity. In the event of a charter conversion, the capital account transfers to the new institution. In the event of liquidation, the corporate may release a member capital account to facilitate the payout of shares, but only with the prior written approval of the NCUA., (5) Redemption. A corporate credit union may redeem NCAs prior to maturity or prior to the end of the notice period only if it meets its minimum required capital and net economic value ratios after the funds are redeemed and only with the prior approval of NCUA and, for state chartered corporate credit unions, the applicable state regulator., (6) Sale. A member may transfer its interest in a nonperpetual capital account to another member or to a nonmember (other than a natural person). At least 14 days before consummating such a transfer, the member must notify the corporate credit union of the pending transfer. The corporate credit union must, within 10 days of such notice, provide the member and the potential transferee all financial information about the corporate credit union that is available to the public or that the corporate credit union has provided to its members, including any call report data submitted by the corporate credit union to NCUA but not yet posted on NCUA's Web site., (7) Merger. In the event of a merger of a corporate credit union, nonperpetual capital will transfer to the continuing corporate credit union. The minimum five-year notice period for withdrawal of no-maturity capital remains in effect., (c) Requirements for perpetual contributed capital (PCC) - (1) Disclosure. The terms and conditions of any perpetual contributed capital instrument must be disclosed to the recorded owner of the instrument at the time the instrument is created and must be signed by either all of the directors of the member credit union or, if authorized by board resolution, the chair and secretary of the board., (2) Release. Perpetual contributed capital may not be released due solely to the merger, charter conversion or liquidation of a member credit union. In the event of a merger, the perpetual contributed capital transfers to the continuing credit union. In the event of a charter conversion, the perpetual contributed capital transfers to the new institution. In the event of liquidation, the perpetual contributed capital may be released to facilitate the payout of shares with NCUA's prior written approval., (3) Callability. A corporate credit union may call PCC instruments only if it meets its minimum required capital and net economic value ratios after the funds are called and only with the prior approval of the NCUA and, for state chartered corporate credit unions, the applicable state regulator. PCC accounts are callable on a pro-rata basis across an issuance class., (4) Perpetual contributed capital. A corporate credit union may issue perpetual contributed capital to both members and nonmembers., (5) The holder of a PCC instrument may transfer its interests in the instrument to another member or to a nonmember (other than a natural person). At least 14 days before consummating such a transfer, the member must notify the corporate credit union of the pending transfer. The corporate credit union must, within 10 days of such notice, provide the member and the potential transferee all financial information about the corporate credit union that is available to the public or that the corporate credit union has provided to its members, including any call report data submitted by the corporate credit union to NCUA but not yet posted on NCUA's Web site., (6) A corporate credit union is permitted to condition membership, services, or prices for services on a member's ownership of PCC, provided the corporate credit union gives existing members at least six months written notice of:, (i) The requirement to purchase PCC, including specific amounts; and, (ii) The effects of a failure to purchase the requisite PCC on the pricing of services or on the member's access to membership or services., (d) Individual minimum capital requirements - (1) General. The rules and procedures specified in this paragraph apply to the establishment of an individual minimum capital requirement for a corporate credit union that varies from any of the risk-based capital requirement(s) or leverage ratio requirements that would otherwise apply to the corporate credit union under this part., (2) Appropriate considerations for establishing individual minimum capital requirements. Minimum capital levels higher than the risk-based capital requirements or the leverage ratio requirement under this part may be appropriate for individual corporate credit unions. The NCUA may establish increased individual minimum capital requirements, including modification of the minimum capital requirements related to being either significantly and critically undercapitalized for purposes of \u00a7 704.4 of this part, upon a determination that the corporate credit union's capital is or may become inadequate in view of the credit union's circumstances. For example, higher capital levels may be appropriate when NCUA determines that:, (i) A corporate credit union is receiving special supervisory attention;, (ii) A corporate credit union has or is expected to have losses resulting in capital inadequacy;, (iii) A corporate credit union has a high degree of exposure to interest rate risk, prepayment risk, credit risk, concentration risk, certain risks arising from nontraditional activities or similar risks, or a high proportion of off-balance sheet risk including standby letters of credit;, (iv) A corporate credit union has poor liquidity or cash flow;, (v) A corporate credit union is growing, either internally or through acquisitions, at such a rate that supervisory problems are presented that are not dealt with adequately by other NCUA regulations or other guidance;, (vi) A corporate credit union may be adversely affected by the activities or condition of its CUSOs or other persons or entities with which it has significant business relationships, including concentrations of credit;, (vii) A corporate credit union with a portfolio reflecting weak credit quality or a significant likelihood of financial loss, or has loans or securities in nonperforming status or on which borrowers fail to comply with repayment terms;, (viii) A corporate credit union has inadequate underwriting policies, standards, or procedures for its loans and investments;, (ix) A corporate credit union has failed to properly plan for, or execute, necessary retained earnings growth, or, (ix) A corporate credit union has a record of operational losses that exceeds the average of other, similarly situated corporate credit unions; has management deficiencies, including failure to adequately monitor and control financial and operating risks, particularly the risks presented by concentrations of credit and nontraditional activities; or has a poor record of supervisory compliance., (3) Standards for determination of appropriate individual minimum capital requirements. The appropriate minimum capital levels for an individual corporate credit union cannot be determined solely through the application of a rigid mathematical formula or wholly objective criteria. The decision is necessarily based, in part, on subjective judgment grounded in agency expertise. The factors to be considered in NCUA's determination will vary in each case and may include, for example:, (i) The conditions or circumstances leading to the determination that a higher minimum capital requirement is appropriate or necessary for the corporate credit union;, (ii) The exigency of those circumstances or potential problems;, (iii) The overall condition, management strength, and future prospects of the corporate credit union and, if applicable, its subsidiaries, affiliates, and business partners;, (iv) The corporate credit union's liquidity, capital and other indicators of financial stability, particularly as compared with those of similarly situated corporate credit unions; and, (v) The policies and practices of the corporate credit union's directors, officers, and senior management as well as the internal control and internal audit systems for implementation of such adopted policies and practices., (4) Procedures - (i) In the case of a state chartered corporate credit union, NCUA will consult with the appropriate state regulator when considering imposing a new minimum capital requirement., (ii) When the NCUA determines that a minimum capital requirement is necessary or appropriate for a particular corporate credit union, it will notify the corporate credit union in writing of its proposed individual minimum capital requirement; the schedule for compliance with the new requirement; and the specific causes for determining that the higher individual minimum capital requirement is necessary or appropriate for the corporate credit union. The NCUA shall forward the notifying letter to the appropriate state supervisory authority (SSA) if a state-chartered corporate credit union would be subject to an individual minimum capital requirement., (iii) The corporate credit union's response must include any information that the credit union wants the NCUA to consider in deciding whether to establish or to amend an individual minimum capital requirement for the corporate credit union, what the individual capital requirement should be, and, if applicable, what compliance schedule is appropriate for achieving the required capital level. The responses of the corporate credit union and SSA must be in writing and must be delivered to the NCUA within 30 days after the date on which the notification was received. The NCUA may extend the time period for good cause, and the time period for response by the insured corporate credit union may be shortened for good cause:, (A) When, in the opinion of the NCUA, the condition of the corporate credit union so requires, and the NCUA informs the corporate credit union of the shortened response period in the notice;, (B) With the consent of the corporate credit union; or, (C) When the corporate credit union already has advised the NCUA that it cannot or will not achieve its applicable minimum capital requirement., (iv) Failure by the corporate credit union to respond within 30 days, or such other time period as may be specified by the NCUA, may constitute a waiver of any objections to the proposed individual minimum capital requirement or to the schedule for complying with it, unless the NCUA has provided an extension of the response period for good cause., (v) After expiration of the response period, the NCUA will decide whether or not the proposed individual minimum capital requirement should be established for the corporate credit union, or whether that proposed requirement should be adopted in modified form, based on a review of the corporate credit union's response and other relevant information. The NCUA's decision will address comments received within the response period from the corporate credit union and the appropriate state supervisory authority (SSA) (if a state-chartered corporate credit union is involved) and will state the level of capital required, the schedule for compliance with this requirement, and any specific remedial action the corporate credit union could take to eliminate the need for continued applicability of the individual minimum capital requirement. The NCUA will provide the corporate credit union and the appropriate SSA (if a state-chartered corporate credit union is involved) with a written decision on the individual minimum capital requirement, addressing the substantive comments made by the corporate credit union and setting forth the decision and the basis for that decision. Upon receipt of this decision by the corporate credit union, the individual minimum capital requirement becomes effective and binding upon the corporate credit union. This decision represents final agency action., (vi) In lieu of the procedures established above, a corporate credit union may request an informal hearing. The corporate credit union must make the request for a hearing in writing, and NCUA must receive the request no later than 10 days following the date of the notice described in paragraph (d)(4)(ii) of this section. Upon receipt of the request for hearing, NCUA will conduct an informal hearing and render a decision using the procedures described in paragraphs (d), (e), and (f) of \u00a7 747.3003 of this chapter., (5) Failure to comply. Failure to satisfy any individual minimum capital requirement, or to meet any required incremental additions to capital under a schedule for compliance with such an individual minimum capital requirement, will constitute a basis to take action as described in \u00a7 704.4., (6) Change in circumstances. If, after a decision is made under paragraph (b)(3)(iv) of this section, there is a change in the circumstances affecting the corporate credit union's capital adequacy or its ability to reach its required minimum capital level by the specified date, the NCUA may amend the individual minimum capital requirement or the corporate credit union's schedule for such compliance. The NCUA may decline to consider a corporate credit union's request for such changes that are not based on a significant change in circumstances or that are repetitive or frivolous. Pending the NCUA's reexamination of the original decision, that original decision and any compliance schedule established in that decision will continue in full force and effect., (e) Reservation of authority - (1) Transactions for purposes of evasion. The NCUA may disregard any transaction entered into primarily for the purpose of reducing the minimum required amount of regulatory capital or otherwise evading the requirements of this section., (2) Period-end versus average figures. The NCUA reserves the right to require a corporate credit union to compute its capital ratios on the basis of period-end assets rather than average assets when the NCUA determines this requirement is appropriate to carry out the purposes of this part., (3) Reservation of authority. (i) Notwithstanding the definitions of Tier 1 capital and Tier 2 capital in paragraph (d) of this section, NCUA may find that a particular asset or Tier 1 capital or Tier 2 capital component has characteristics or terms that diminish its contribution to a corporate credit union's ability to absorb losses, and NCUA may require the discounting or deduction of such asset or component from the computation of Tier 1 capital, Tier 2 capital, or total capital., (ii) Notwithstanding appendix C to this part, the NCUA will look to the substance of a transaction and may find that the assigned risk-weight for any asset, or credit equivalent amount or credit conversion factor for any off-balance sheet item does not appropriately reflect the risks imposed on the corporate credit union. The NCUA may require the corporate credit union to apply another risk-weight, credit equivalent amount, or credit conversion factor that NCUA deems appropriate., (iii) If appendix C to this part does not specifically assign a risk-weight, credit equivalent amount, or credit conversion factor to a particular asset or activity of the corporate credit union, the NCUA may assign any risk-weight, credit equivalent amount, or credit conversion factor that it deems appropriate. In making this determination, NCUA will consider the risks associated with the asset or off-balance sheet item as well as other relevant factors., (4) Where practicable, the NCUA will consult with the appropriate state regulator before taking any action under this paragraph (e) that involves a state chartered corporate credit union., (5) Before taking any action under this paragraph (e), NCUA will provide the corporate credit union with written notice of the intended action and the reasons for such action. The corporate credit union will have seven days to provide the NCUA with a written response, and the NCUA will consider the response before taking the action. Upon the timely request of the corporate credit union, and for good cause, NCUA may extend the seven day response period., (f) Former capital accounts. This paragraph addresses membership capital accounts (MCAs) that qualified as corporate capital prior to October 20, 2011 but which no longer satisfy the definitions of capital because the accounts have not been converted by the member to nonperpetual capital accounts (NCAs) or to perpetual contributed capital (PCC)., (1) For MCAs structured as adjustable balance accounts, the corporate will immediately place the account on notice of withdrawal if the member has not already done so. The corporate will continue to adjust the balance of the MCA account in accordance with the original terms of the account until the entire notice period has run and then return the remaining balance, less any losses, to the member. Until the expiration of the notice period the entire adjusted balance will be available to cover losses at the corporate credit union that exceed retained earnings and PCC (excluding, if a corporate credit union exercises the capital prioritization option under Part I of appendix A to this part, any PCC with priority under that option)., (2) For term MCAs, the corporate credit union will return the balance of the MCA account to the member at the expiration of the term. Until the expiration of term, the entire account balance will be available to cover losses that exceed retained earnings and PCC (excluding, if a corporate credit union exercises the capital prioritization option under part I of appendix A to this part, any PCC with priority under that option)., (3) A corporate credit union may count a portion of unconverted MCAs as Tier 2 capital. Beginning on the date of issuance (for term MCAs) or the date of notice of withdrawal (for other MCAs), the corporate may count the entire account balance as Tier 2 capital, but will then reduce the amount of the account that can be considered as Tier 2 capital by a constant monthly amortization that ensures the capital is fully amortized one year before the date of maturity or one year before the end of the notice period. For adjustable balance account MCAs where the adjustment is determined based on some impermanent measure, such as shares on deposit with the corporate, the corporate credit union may not treat any part of the account as capital.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["704"],"part_title":["PART 704 - CORPORATE CREDIT UNIONS"],"section":["704.3"],"section_title":["\u00a7 704.3 Corporate credit union capital."]},"_input_hash":1459705109,"_task_hash":449003342,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711812356,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Capital requirements. (1) A corporate credit union must maintain at all times:, (i) A leverage ratio of 4.0 percent or greater;, (ii) A Tier 1 risk-based capital ratio of 4.0 percent or greater; and, (iii) A total risk-based capital ratio of 8.0 percent or greater., (2) To ensure it meets its capital requirements, a corporate credit union must develop and ensure implementation of written short- and long-term capital goals, objectives, and strategies which provide for the building of capital consistent with regulatory requirements, the maintenance of sufficient capital to support the risk exposures that may arise from current and projected activities, and the periodic review and reassessment of the capital position of the corporate credit union., (3) Beginning with the first call report submitted on or after October 21, 2013, a corporate credit union must calculate and report to NCUA the ratio of its retained earnings to its moving daily average net assets. If this ratio is less than 0.45 percent, the corporate credit union must, within 30 days, submit a retained earnings accumulation plan to the NCUA for NCUA's approval. The plan must contain a detailed explanation of how the corporate credit union will accumulate earnings sufficient to meet all its future minimum leverage ratio requirements, including specific semiannual milestones for accumulating retained earnings. In the case of a state-chartered corporate credit union, the NCUA will consult with the appropriate state supervisory authority (SSA) before making a determination to approve or disapprove the plan, and will provide the SSA a copy of the completed plan. If the corporate credit union fails to submit a plan acceptable to NCUA, or fails to comply with any element of a plan approved by NCUA, the corporate will immediately be classified as significantly undercapitalized or, if already significantly undercapitalized, as critically undercapitalized for purposes of prompt corrective actions. The corporate credit union will be subject to all the associated actions under \u00a7 704.4., (b) Requirements for nonperpetual capital accounts (NCAs) - (1) Form. NCA funds may be in the form of a term certificate or a no-maturity notice account., (2) Disclosure. The terms and conditions of a nonperpetual capital account must be disclosed to the recorded owner of the account at the time the account is opened and at least annually thereafter., (i) The initial NCA disclosure must be signed by either all of the directors of the member credit union or, if authorized by board resolution, the chair and secretary of the board; and, (ii) The annual disclosure notice must be signed by the chair of the corporate credit union. The chair must sign a statement that certifies that the notice has been sent to all entities with NCAs. The certification must be maintained in the corporate credit union's files and be available for examiner review., (3) Five-year remaining maturity. When a no-maturity NCA has been placed on notice, or a term account has a remaining maturity of less than five years, the corporate will reduce the amount of the account that can be considered as nonperpetual capital by a constant monthly amortization that ensures the capital is fully amortized one year before the date of maturity or one year before the end of the notice period. The full balance of an NCA being amortized, not just the remaining non-amortized portion, is available to absorb losses in excess of the sum of retained earnings and perpetual contributed capital until the funds are released by the corporate credit union at the time of maturity or the conclusion of the notice period., (4) Release. Nonperpetual capital may not be released due solely to the merger, charter conversion, or liquidation of the account holder. In the event of a merger, the capital account transfers to the continuing entity. In the event of a charter conversion, the capital account transfers to the new institution. In the event of liquidation, the corporate may release a member capital account to facilitate the payout of shares, but only with the prior written approval of the NCUA., (5) Redemption. A corporate credit union may redeem NCAs prior to maturity or prior to the end of the notice period only if it meets its minimum required capital and net economic value ratios after the funds are redeemed and only with the prior approval of NCUA and, for state chartered corporate credit unions, the applicable state regulator., (6) Sale. A member may transfer its interest in a nonperpetual capital account to another member or to a nonmember (other than a natural person). At least 14 days before consummating such a transfer, the member must notify the corporate credit union of the pending transfer. The corporate credit union must, within 10 days of such notice, provide the member and the potential transferee all financial information about the corporate credit union that is available to the public or that the corporate credit union has provided to its members, including any call report data submitted by the corporate credit union to NCUA but not yet posted on NCUA's Web site., (7) Merger. In the event of a merger of a corporate credit union, nonperpetual capital will transfer to the continuing corporate credit union. The minimum five-year notice period for withdrawal of no-maturity capital remains in effect., (c) Requirements for perpetual contributed capital (PCC) - (1) Disclosure. The terms and conditions of any perpetual contributed capital instrument must be disclosed to the recorded owner of the instrument at the time the instrument is created and must be signed by either all of the directors of the member credit union or, if authorized by board resolution, the chair and secretary of the board., (2) Release. Perpetual contributed capital may not be released due solely to the merger, charter conversion or liquidation of a member credit union. In the event of a merger, the perpetual contributed capital transfers to the continuing credit union. In the event of a charter conversion, the perpetual contributed capital transfers to the new institution. In the event of liquidation, the perpetual contributed capital may be released to facilitate the payout of shares with NCUA's prior written approval., (3) Callability. A corporate credit union may call PCC instruments only if it meets its minimum required capital and net economic value ratios after the funds are called and only with the prior approval of the NCUA and, for state chartered corporate credit unions, the applicable state regulator. PCC accounts are callable on a pro-rata basis across an issuance class., (4) Perpetual contributed capital. A corporate credit union may issue perpetual contributed capital to both members and nonmembers., (5) The holder of a PCC instrument may transfer its interests in the instrument to another member or to a nonmember (other than a natural person). At least 14 days before consummating such a transfer, the member must notify the corporate credit union of the pending transfer. The corporate credit union must, within 10 days of such notice, provide the member and the potential transferee all financial information about the corporate credit union that is available to the public or that the corporate credit union has provided to its members, including any call report data submitted by the corporate credit union to NCUA but not yet posted on NCUA's Web site., (6) A corporate credit union is permitted to condition membership, services, or prices for services on a member's ownership of PCC, provided the corporate credit union gives existing members at least six months written notice of:, (i) The requirement to purchase PCC, including specific amounts; and, (ii) The effects of a failure to purchase the requisite PCC on the pricing of services or on the member's access to membership or services., (d) Individual minimum capital requirements - (1) General. The rules and procedures specified in this paragraph apply to the establishment of an individual minimum capital requirement for a corporate credit union that varies from any of the risk-based capital requirement(s) or leverage ratio requirements that would otherwise apply to the corporate credit union under this part., (2) Appropriate considerations for establishing individual minimum capital requirements. Minimum capital levels higher than the risk-based capital requirements or the leverage ratio requirement under this part may be appropriate for individual corporate credit unions. The NCUA may establish increased individual minimum capital requirements, including modification of the minimum capital requirements related to being either significantly and critically undercapitalized for purposes of \u00a7 704.4 of this part, upon a determination that the corporate credit union's capital is or may become inadequate in view of the credit union's circumstances. For example, higher capital levels may be appropriate when NCUA determines that:, (i) A corporate credit union is receiving special supervisory attention;, (ii) A corporate credit union has or is expected to have losses resulting in capital inadequacy;, (iii) A corporate credit union has a high degree of exposure to interest rate risk, prepayment risk, credit risk, concentration risk, certain risks arising from nontraditional activities or similar risks, or a high proportion of off-balance sheet risk including standby letters of credit;, (iv) A corporate credit union has poor liquidity or cash flow;, (v) A corporate credit union is growing, either internally or through acquisitions, at such a rate that supervisory problems are presented that are not dealt with adequately by other NCUA regulations or other guidance;, (vi) A corporate credit union may be adversely affected by the activities or condition of its CUSOs or other persons or entities with which it has significant business relationships, including concentrations of credit;, (vii) A corporate credit union with a portfolio reflecting weak credit quality or a significant likelihood of financial loss, or has loans or securities in nonperforming status or on which borrowers fail to comply with repayment terms;, (viii) A corporate credit union has inadequate underwriting policies, standards, or procedures for its loans and investments;, (ix) A corporate credit union has failed to properly plan for, or execute, necessary retained earnings growth, or, (ix) A corporate credit union has a record of operational losses that exceeds the average of other, similarly situated corporate credit unions; has management deficiencies, including failure to adequately monitor and control financial and operating risks, particularly the risks presented by concentrations of credit and nontraditional activities; or has a poor record of supervisory compliance., (3) Standards for determination of appropriate individual minimum capital requirements. The appropriate minimum capital levels for an individual corporate credit union cannot be determined solely through the application of a rigid mathematical formula or wholly objective criteria. The decision is necessarily based, in part, on subjective judgment grounded in agency expertise. The factors to be considered in NCUA's determination will vary in each case and may include, for example:, (i) The conditions or circumstances leading to the determination that a higher minimum capital requirement is appropriate or necessary for the corporate credit union;, (ii) The exigency of those circumstances or potential problems;, (iii) The overall condition, management strength, and future prospects of the corporate credit union and, if applicable, its subsidiaries, affiliates, and business partners;, (iv) The corporate credit union's liquidity, capital and other indicators of financial stability, particularly as compared with those of similarly situated corporate credit unions; and, (v) The policies and practices of the corporate credit union's directors, officers, and senior management as well as the internal control and internal audit systems for implementation of such adopted policies and practices., (4) Procedures - (i) In the case of a state chartered corporate credit union, NCUA will consult with the appropriate state regulator when considering imposing a new minimum capital requirement., (ii) When the NCUA determines that a minimum capital requirement is necessary or appropriate for a particular corporate credit union, it will notify the corporate credit union in writing of its proposed individual minimum capital requirement; the schedule for compliance with the new requirement; and the specific causes for determining that the higher individual minimum capital requirement is necessary or appropriate for the corporate credit union. The NCUA shall forward the notifying letter to the appropriate state supervisory authority (SSA) if a state-chartered corporate credit union would be subject to an individual minimum capital requirement., (iii) The corporate credit union's response must include any information that the credit union wants the NCUA to consider in deciding whether to establish or to amend an individual minimum capital requirement for the corporate credit union, what the individual capital requirement should be, and, if applicable, what compliance schedule is appropriate for achieving the required capital level. The responses of the corporate credit union and SSA must be in writing and must be delivered to the NCUA within 30 days after the date on which the notification was received. The NCUA may extend the time period for good cause, and the time period for response by the insured corporate credit union may be shortened for good cause:, (A) When, in the opinion of the NCUA, the condition of the corporate credit union so requires, and the NCUA informs the corporate credit union of the shortened response period in the notice;, (B) With the consent of the corporate credit union; or, (C) When the corporate credit union already has advised the NCUA that it cannot or will not achieve its applicable minimum capital requirement., (iv) Failure by the corporate credit union to respond within 30 days, or such other time period as may be specified by the NCUA, may constitute a waiver of any objections to the proposed individual minimum capital requirement or to the schedule for complying with it, unless the NCUA has provided an extension of the response period for good cause., (v) After expiration of the response period, the NCUA will decide whether or not the proposed individual minimum capital requirement should be established for the corporate credit union, or whether that proposed requirement should be adopted in modified form, based on a review of the corporate credit union's response and other relevant information. The NCUA's decision will address comments received within the response period from the corporate credit union and the appropriate state supervisory authority (SSA) (if a state-chartered corporate credit union is involved) and will state the level of capital required, the schedule for compliance with this requirement, and any specific remedial action the corporate credit union could take to eliminate the need for continued applicability of the individual minimum capital requirement. The NCUA will provide the corporate credit union and the appropriate SSA (if a state-chartered corporate credit union is involved) with a written decision on the individual minimum capital requirement, addressing the substantive comments made by the corporate credit union and setting forth the decision and the basis for that decision. Upon receipt of this decision by the corporate credit union, the individual minimum capital requirement becomes effective and binding upon the corporate credit union. This decision represents final agency action., (vi) In lieu of the procedures established above, a corporate credit union may request an informal hearing. The corporate credit union must make the request for a hearing in writing, and NCUA must receive the request no later than 10 days following the date of the notice described in paragraph (d)(4)(ii) of this section. Upon receipt of the request for hearing, NCUA will conduct an informal hearing and render a decision using the procedures described in paragraphs (d), (e), and (f) of \u00a7 747.3003 of this chapter., (5) Failure to comply. Failure to satisfy any individual minimum capital requirement, or to meet any required incremental additions to capital under a schedule for compliance with such an individual minimum capital requirement, will constitute a basis to take action as described in \u00a7 704.4., (6) Change in circumstances. If, after a decision is made under paragraph (b)(3)(iv) of this section, there is a change in the circumstances affecting the corporate credit union's capital adequacy or its ability to reach its required minimum capital level by the specified date, the NCUA may amend the individual minimum capital requirement or the corporate credit union's schedule for such compliance. The NCUA may decline to consider a corporate credit union's request for such changes that are not based on a significant change in circumstances or that are repetitive or frivolous. Pending the NCUA's reexamination of the original decision, that original decision and any compliance schedule established in that decision will continue in full force and effect., (e) Reservation of authority - (1) Transactions for purposes of evasion. The NCUA may disregard any transaction entered into primarily for the purpose of reducing the minimum required amount of regulatory capital or otherwise evading the requirements of this section., (2) Period-end versus average figures. The NCUA reserves the right to require a corporate credit union to compute its capital ratios on the basis of period-end assets rather than average assets when the NCUA determines this requirement is appropriate to carry out the purposes of this part., (3) Reservation of authority. (i) Notwithstanding the definitions of Tier 1 capital and Tier 2 capital in paragraph (d) of this section, NCUA may find that a particular asset or Tier 1 capital or Tier 2 capital component has characteristics or terms that diminish its contribution to a corporate credit union's ability to absorb losses, and NCUA may require the discounting or deduction of such asset or component from the computation of Tier 1 capital, Tier 2 capital, or total capital., (ii) Notwithstanding appendix C to this part, the NCUA will look to the substance of a transaction and may find that the assigned risk-weight for any asset, or credit equivalent amount or credit conversion factor for any off-balance sheet item does not appropriately reflect the risks imposed on the corporate credit union. The NCUA may require the corporate credit union to apply another risk-weight, credit equivalent amount, or credit conversion factor that NCUA deems appropriate., (iii) If appendix C to this part does not specifically assign a risk-weight, credit equivalent amount, or credit conversion factor to a particular asset or activity of the corporate credit union, the NCUA may assign any risk-weight, credit equivalent amount, or credit conversion factor that it deems appropriate. In making this determination, NCUA will consider the risks associated with the asset or off-balance sheet item as well as other relevant factors., (4) Where practicable, the NCUA will consult with the appropriate state regulator before taking any action under this paragraph (e) that involves a state chartered corporate credit union., (5) Before taking any action under this paragraph (e), NCUA will provide the corporate credit union with written notice of the intended action and the reasons for such action. The corporate credit union will have seven days to provide the NCUA with a written response, and the NCUA will consider the response before taking the action. Upon the timely request of the corporate credit union, and for good cause, NCUA may extend the seven day response period., (f) Former capital accounts. This paragraph addresses membership capital accounts (MCAs) that qualified as corporate capital prior to October 20, 2011 but which no longer satisfy the definitions of capital because the accounts have not been converted by the member to nonperpetual capital accounts (NCAs) or to perpetual contributed capital (PCC)., (1) For MCAs structured as adjustable balance accounts, the corporate will immediately place the account on notice of withdrawal if the member has not already done so. The corporate will continue to adjust the balance of the MCA account in accordance with the original terms of the account until the entire notice period has run and then return the remaining balance, less any losses, to the member. Until the expiration of the notice period the entire adjusted balance will be available to cover losses at the corporate credit union that exceed retained earnings and PCC (excluding, if a corporate credit union exercises the capital prioritization option under Part I of appendix A to this part, any PCC with priority under that option)., (2) For term MCAs, the corporate credit union will return the balance of the MCA account to the member at the expiration of the term. Until the expiration of term, the entire account balance will be available to cover losses that exceed retained earnings and PCC (excluding, if a corporate credit union exercises the capital prioritization option under part I of appendix A to this part, any PCC with priority under that option)., (3) A corporate credit union may count a portion of unconverted MCAs as Tier 2 capital. Beginning on the date of issuance (for term MCAs) or the date of notice of withdrawal (for other MCAs), the corporate may count the entire account balance as Tier 2 capital, but will then reduce the amount of the account that can be considered as Tier 2 capital by a constant monthly amortization that ensures the capital is fully amortized one year before the date of maturity or one year before the end of the notice period. For adjustable balance account MCAs where the adjustment is determined based on some impermanent measure, such as shares on deposit with the corporate, the corporate credit union may not treat any part of the account as capital.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["704"],"part_title":["PART 704 - CORPORATE CREDIT UNIONS"],"section":["704.3"],"section_title":["\u00a7 704.3 Corporate credit union capital."]},"_input_hash":1459705109,"_task_hash":449003342,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711812356,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) Coverage. The requirements of this subpart apply to private education loans as defined in \u00a7 226.46(b)(5). A creditor may, at its option, comply with the requirements of this subpart for an extension of credit subject to \u00a7\u00a7 226.17 and 226.18 that is extended to a consumer for expenses incurred after graduation from a law, medical, dental, veterinary, or other graduate school and related to relocation, study for a bar or other examination, participation in an internship or residency program, or similar purposes., (1) Relation to other subparts in this part. Except as otherwise specifically provided, the requirements and limitations of this subpart are in addition to and not in lieu of those contained in other subparts of this part., (2) Reserved, (b) Definitions. For purposes of this subpart, the following definitions apply:, (1) Covered educational institution means:, (i) An educational institution that meets the definition of an institution of higher education, as defined in paragraph (b)(2) of this section, without regard to the institution's accreditation status; and, (ii) Includes an agent, officer, or employee of the institution of higher education. An agent means an institution-affiliated organization as defined by section 151 of the Higher Education Act of 1965 (20 U.S.C. 1019) or an officer or employee of an institution-affiliated organization., (2) Institution of higher education has the same meaning as in sections 101 and 102 of the Higher Education Act of 1965 (20 U.S.C. 1001-1002) and the implementing regulations published by the U.S. Department of Education., (3) Postsecondary educational expenses means any of the expenses that are listed as part of the cost of attendance, as defined under section 472 of the Higher Education Act of 1965 (20 U.S.C. 1087ll), of a student at a covered educational institution. These expenses include tuition and fees, books, supplies, miscellaneous personal expenses, room and board, and an allowance for any loan fee, origination fee, or insurance premium charged to a student or parent for a loan incurred to cover the cost of the student's attendance., (4) Preferred lender arrangement has the same meaning as in section 151 of the Higher Education Act of 1965 (20 U.S.C. 1019)., (5) Private education loan means an extension of credit that:, (i) Is not made, insured, or guaranteed under title IV of the Higher Education Act of 1965 (20 U.S.C. 1070 et seq.);, (ii) Is extended to a consumer expressly, in whole or in part, for postsecondary educational expenses, regardless of whether the loan is provided by the educational institution that the student attends;, (iii) Does not include open-end credit any loan that is secured by real property or a dwelling; and, (iv) Does not include an extension of credit in which the covered educational institution is the creditor if:, (A) The term of the extension of credit is 90 days or less; or, (B) an interest rate will not be applied to the credit balance and the term of the extension of credit is one year or less, even if the credit is payable in more than four installments., (c) Form of disclosures - (1) Clear and conspicuous. The disclosures required by this subpart shall be made clearly and conspicuously., (2) Transaction disclosures. (i) The disclosures required under \u00a7\u00a7 226.47(b) and (c) shall be made in writing, in a form that the consumer may keep. The disclosures shall be grouped together, shall be segregated from everything else, and shall not contain any information not directly related to the disclosures required under \u00a7\u00a7 226.47(b) and (c), which include the disclosures required under \u00a7 226.18., (ii) The disclosures may include an acknowledgement of receipt, the date of the transaction, and the consumer's name, address, and account number. The following disclosures may be made together with or separately from other required disclosures: the creditor's identity under \u00a7 226.18(a), insurance or debt cancellation under \u00a7 226.18(n), and certain security interest charges under \u00a7 226.18(o)., (iii) The term \u201cfinance charge\u201d and corresponding amount, when required to be disclosed under \u00a7 226.18(d), and the interest rate required to be disclosed under \u00a7\u00a7 226.47(b)(1)(i) and (c)(1), shall be more conspicuous than any other disclosure, except the creditor's identity under \u00a7 228.18(a)., (3) Electronic disclosures. The disclosures required under \u00a7\u00a7 226.47(b) and (c) may be provided to the consumer in electronic form, subject to compliance with the consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act (E-Sign Act) (15 U.S.C. 7001 et seq.). The disclosures required by \u00a7 226.47(a) may be provided to the consumer in electronic form on or with an application or solicitation that is accessed by the consumer in electronic form without regard to the consumer consent or other provisions of the E-Sign Act. The form required to be received under \u00a7 226.48(e) may be accepted by the creditor in electronic form as provided for in that section., (d) Timing of disclosures - (1) Application or solicitation disclosures. (i) The disclosures required by \u00a7 226.47(a) shall be provided on or with any application or solicitation. For purposes of this subpart, the term solicitation means an offer of credit that does not require the consumer to complete an application. A \u201cfirm offer of credit\u201d as defined in section 603(l) of the Fair Credit Reporting Act (15 U.S.C. 1681a(l)) is a solicitation for purposes of this section., (ii) The creditor may, at its option, disclose orally the information in \u00a7 226.47(a) in a telephone application or solicitation. Alternatively, if the creditor does not disclose orally the information in \u00a7 226.47(a), the creditor must provide the disclosures or place them in the mail no later than three business days after the consumer has applied for the credit, except that, if the creditor either denies the consumer's application or provides or places in the mail the disclosures in \u00a7 226.47(b) no later than three business days after the consumer requests the credit, the creditor need not also provide the \u00a7 226.47(a) disclosures., (iii) Notwithstanding paragraph (d)(1)(i), for a loan that the consumer may use for multiple purposes including, but not limited to, postsecondary educational expenses, the creditor need not provide the disclosures required by \u00a7 226.47(a)., (2) Approval disclosures. The creditor shall provide the disclosures required by \u00a7 226.47(b) before consummation on or with any notice of approval provided to the consumer. If the creditor mails notice of approval, the disclosures must be mailed with the notice. If the creditor communicates notice of approval by telephone, the creditor must mail the disclosures within three business days of providing the notice of approval. If the creditor communicates notice of approval electronically, the creditor may provide the disclosures in electronic form in accordance with \u00a7 226.46(d)(3); otherwise the creditor must mail the disclosures within three business days of communicating the notice of approval. If the creditor communicates approval in person, the creditor must provide the disclosures to the consumer at that time., (3) Final disclosures. The disclosures required by \u00a7 226.47(c) shall be provided after the consumer accepts the loan in accordance with \u00a7 226.48(c)(1)., (4) Receipt of mailed disclosures. If the disclosures under paragraphs (d)(1), (d)(2) or (d)(3), are mailed to the consumer, the consumer is considered to have received them three business days after they are mailed., (e) Basis of disclosures and use of estimates - (1) Legal obligation. Disclosures shall reflect the terms of the legal obligation between the parties., (2) Estimates. If any information necessary for an accurate disclosure is unknown to the creditor, the creditor shall make the disclosure based on the best information reasonably available at the time the disclosure is provided, and shall state clearly that the disclosure is an estimate., (f) Multiple creditors; multiple consumers. If a transaction involves more than one creditor, only one set of disclosures shall be given and the creditors shall agree among themselves which creditor will comply with the requirements that this part imposes on any or all of them. If there is more than one consumer, the disclosures may be made to any consumer who is primarily liable on the obligation., (g) Effect of subsequent events - (1) Approval disclosures. If a disclosure under \u00a7 226.47(b) becomes inaccurate because of an event that occurs after the creditor delivers the required disclosures, the inaccuracy is not a violation of Regulation Z (12 CFR part 226), although new disclosures may be required under \u00a7 226.48(c)., (2) Final disclosures. If a disclosure under \u00a7 226.47(c) becomes inaccurate because of an event that occurs after the creditor delivers the required disclosures, the inaccuracy is not a violation of Regulation Z (12 CFR part 226).","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["226"],"part_title":["PART 226 - TRUTH IN LENDING (REGULATION Z)"],"section":["226.46"],"section_title":["\u00a7 226.46 Special disclosure requirements for private education loans."]},"_input_hash":-1980659658,"_task_hash":915100987,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711812755,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Coverage. The requirements of this subpart apply to private education loans as defined in \u00a7 226.46(b)(5). A creditor may, at its option, comply with the requirements of this subpart for an extension of credit subject to \u00a7\u00a7 226.17 and 226.18 that is extended to a consumer for expenses incurred after graduation from a law, medical, dental, veterinary, or other graduate school and related to relocation, study for a bar or other examination, participation in an internship or residency program, or similar purposes., (1) Relation to other subparts in this part. Except as otherwise specifically provided, the requirements and limitations of this subpart are in addition to and not in lieu of those contained in other subparts of this part., (2) Reserved, (b) Definitions. For purposes of this subpart, the following definitions apply:, (1) Covered educational institution means:, (i) An educational institution that meets the definition of an institution of higher education, as defined in paragraph (b)(2) of this section, without regard to the institution's accreditation status; and, (ii) Includes an agent, officer, or employee of the institution of higher education. An agent means an institution-affiliated organization as defined by section 151 of the Higher Education Act of 1965 (20 U.S.C. 1019) or an officer or employee of an institution-affiliated organization., (2) Institution of higher education has the same meaning as in sections 101 and 102 of the Higher Education Act of 1965 (20 U.S.C. 1001-1002) and the implementing regulations published by the U.S. Department of Education., (3) Postsecondary educational expenses means any of the expenses that are listed as part of the cost of attendance, as defined under section 472 of the Higher Education Act of 1965 (20 U.S.C. 1087ll), of a student at a covered educational institution. These expenses include tuition and fees, books, supplies, miscellaneous personal expenses, room and board, and an allowance for any loan fee, origination fee, or insurance premium charged to a student or parent for a loan incurred to cover the cost of the student's attendance., (4) Preferred lender arrangement has the same meaning as in section 151 of the Higher Education Act of 1965 (20 U.S.C. 1019)., (5) Private education loan means an extension of credit that:, (i) Is not made, insured, or guaranteed under title IV of the Higher Education Act of 1965 (20 U.S.C. 1070 et seq.);, (ii) Is extended to a consumer expressly, in whole or in part, for postsecondary educational expenses, regardless of whether the loan is provided by the educational institution that the student attends;, (iii) Does not include open-end credit any loan that is secured by real property or a dwelling; and, (iv) Does not include an extension of credit in which the covered educational institution is the creditor if:, (A) The term of the extension of credit is 90 days or less; or, (B) an interest rate will not be applied to the credit balance and the term of the extension of credit is one year or less, even if the credit is payable in more than four installments., (c) Form of disclosures - (1) Clear and conspicuous. The disclosures required by this subpart shall be made clearly and conspicuously., (2) Transaction disclosures. (i) The disclosures required under \u00a7\u00a7 226.47(b) and (c) shall be made in writing, in a form that the consumer may keep. The disclosures shall be grouped together, shall be segregated from everything else, and shall not contain any information not directly related to the disclosures required under \u00a7\u00a7 226.47(b) and (c), which include the disclosures required under \u00a7 226.18., (ii) The disclosures may include an acknowledgement of receipt, the date of the transaction, and the consumer's name, address, and account number. The following disclosures may be made together with or separately from other required disclosures: the creditor's identity under \u00a7 226.18(a), insurance or debt cancellation under \u00a7 226.18(n), and certain security interest charges under \u00a7 226.18(o)., (iii) The term \u201cfinance charge\u201d and corresponding amount, when required to be disclosed under \u00a7 226.18(d), and the interest rate required to be disclosed under \u00a7\u00a7 226.47(b)(1)(i) and (c)(1), shall be more conspicuous than any other disclosure, except the creditor's identity under \u00a7 228.18(a)., (3) Electronic disclosures. The disclosures required under \u00a7\u00a7 226.47(b) and (c) may be provided to the consumer in electronic form, subject to compliance with the consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act (E-Sign Act) (15 U.S.C. 7001 et seq.). The disclosures required by \u00a7 226.47(a) may be provided to the consumer in electronic form on or with an application or solicitation that is accessed by the consumer in electronic form without regard to the consumer consent or other provisions of the E-Sign Act. The form required to be received under \u00a7 226.48(e) may be accepted by the creditor in electronic form as provided for in that section., (d) Timing of disclosures - (1) Application or solicitation disclosures. (i) The disclosures required by \u00a7 226.47(a) shall be provided on or with any application or solicitation. For purposes of this subpart, the term solicitation means an offer of credit that does not require the consumer to complete an application. A \u201cfirm offer of credit\u201d as defined in section 603(l) of the Fair Credit Reporting Act (15 U.S.C. 1681a(l)) is a solicitation for purposes of this section., (ii) The creditor may, at its option, disclose orally the information in \u00a7 226.47(a) in a telephone application or solicitation. Alternatively, if the creditor does not disclose orally the information in \u00a7 226.47(a), the creditor must provide the disclosures or place them in the mail no later than three business days after the consumer has applied for the credit, except that, if the creditor either denies the consumer's application or provides or places in the mail the disclosures in \u00a7 226.47(b) no later than three business days after the consumer requests the credit, the creditor need not also provide the \u00a7 226.47(a) disclosures., (iii) Notwithstanding paragraph (d)(1)(i), for a loan that the consumer may use for multiple purposes including, but not limited to, postsecondary educational expenses, the creditor need not provide the disclosures required by \u00a7 226.47(a)., (2) Approval disclosures. The creditor shall provide the disclosures required by \u00a7 226.47(b) before consummation on or with any notice of approval provided to the consumer. If the creditor mails notice of approval, the disclosures must be mailed with the notice. If the creditor communicates notice of approval by telephone, the creditor must mail the disclosures within three business days of providing the notice of approval. If the creditor communicates notice of approval electronically, the creditor may provide the disclosures in electronic form in accordance with \u00a7 226.46(d)(3); otherwise the creditor must mail the disclosures within three business days of communicating the notice of approval. If the creditor communicates approval in person, the creditor must provide the disclosures to the consumer at that time., (3) Final disclosures. The disclosures required by \u00a7 226.47(c) shall be provided after the consumer accepts the loan in accordance with \u00a7 226.48(c)(1)., (4) Receipt of mailed disclosures. If the disclosures under paragraphs (d)(1), (d)(2) or (d)(3), are mailed to the consumer, the consumer is considered to have received them three business days after they are mailed., (e) Basis of disclosures and use of estimates - (1) Legal obligation. Disclosures shall reflect the terms of the legal obligation between the parties., (2) Estimates. If any information necessary for an accurate disclosure is unknown to the creditor, the creditor shall make the disclosure based on the best information reasonably available at the time the disclosure is provided, and shall state clearly that the disclosure is an estimate., (f) Multiple creditors; multiple consumers. If a transaction involves more than one creditor, only one set of disclosures shall be given and the creditors shall agree among themselves which creditor will comply with the requirements that this part imposes on any or all of them. If there is more than one consumer, the disclosures may be made to any consumer who is primarily liable on the obligation., (g) Effect of subsequent events - (1) Approval disclosures. If a disclosure under \u00a7 226.47(b) becomes inaccurate because of an event that occurs after the creditor delivers the required disclosures, the inaccuracy is not a violation of Regulation Z (12 CFR part 226), although new disclosures may be required under \u00a7 226.48(c)., (2) Final disclosures. If a disclosure under \u00a7 226.47(c) becomes inaccurate because of an event that occurs after the creditor delivers the required disclosures, the inaccuracy is not a violation of Regulation Z (12 CFR part 226).","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["226"],"part_title":["PART 226 - TRUTH IN LENDING (REGULATION Z)"],"section":["226.46"],"section_title":["\u00a7 226.46 Special disclosure requirements for private education loans."]},"_input_hash":-1980659658,"_task_hash":915100987,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711812755,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"The following priority of claims shall apply to the distribution of the assets of the Corporation in liquidation: , (a) All costs, expenses, and debts incurred by the receiver in connection with the administration of the receivership, all Farm Credit Administration assessments for the costs of supervising and examining the Corporation, and any amounts borrowed pursuant to \u00a7 650.56(b)(3). , (b) Administrative expenses of the Corporation, provided that such expenses were incurred within 60 days prior to the receiver's taking possession, and that such expenses shall be limited to reasonable expenses incurred for services actually provided by accountants, attorneys, appraisers, examiners, or management companies, or reasonable expenses incurred by employees that were authorized and reimbursable under a preexisting expense reimbursement policy and that, in the opinion of the receiver, are of benefit to the receivership, and shall not include wages or salaries of employees of the Corporation. , (c) If authorized by the receiver, claims for wages and salaries, including vacation pay, earned prior to the appointment of the receiver by an employee of the Corporation whom the receiver determines it is in the best interest of the receivership to engage or retain for a reasonable period of time. , (d) If authorized by the receiver, claims for wages and salaries, including vacation pay, earned prior to the appointment of the receiver, up to a maximum of three thousand dollars ($3,000) per person as adjusted for inflation, by an employee of the Corporation not engaged or retained by the receiver. The adjustment for inflation shall be the percentage by which the Consumer Price Index (as prepared by the Department of Labor) for the calendar year preceding the appointment of the receiver exceeds the Consumer Price Index for the calendar year 1992. , (e) All claims for taxes. , (f) All claims of creditors which are secured by specific assets of the Corporation, with priority of conflicting claims of creditors within this same class to be determined in accordance with priorities of applicable Federal or State law. , (g) All claims of general creditors. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["650"],"part_title":["PART 650 - FEDERAL AGRICULTURAL MORTGAGE CORPORATION GENERAL PROVISIONS"],"section":["650.45"],"section_title":["\u00a7 650.45 Priority of claims."]},"_input_hash":1099613188,"_task_hash":48887202,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843638,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"The following priority of claims shall apply to the distribution of the assets of the Corporation in liquidation: , (a) All costs, expenses, and debts incurred by the receiver in connection with the administration of the receivership, all Farm Credit Administration assessments for the costs of supervising and examining the Corporation, and any amounts borrowed pursuant to \u00a7 650.56(b)(3). , (b) Administrative expenses of the Corporation, provided that such expenses were incurred within 60 days prior to the receiver's taking possession, and that such expenses shall be limited to reasonable expenses incurred for services actually provided by accountants, attorneys, appraisers, examiners, or management companies, or reasonable expenses incurred by employees that were authorized and reimbursable under a preexisting expense reimbursement policy and that, in the opinion of the receiver, are of benefit to the receivership, and shall not include wages or salaries of employees of the Corporation. , (c) If authorized by the receiver, claims for wages and salaries, including vacation pay, earned prior to the appointment of the receiver by an employee of the Corporation whom the receiver determines it is in the best interest of the receivership to engage or retain for a reasonable period of time. , (d) If authorized by the receiver, claims for wages and salaries, including vacation pay, earned prior to the appointment of the receiver, up to a maximum of three thousand dollars ($3,000) per person as adjusted for inflation, by an employee of the Corporation not engaged or retained by the receiver. The adjustment for inflation shall be the percentage by which the Consumer Price Index (as prepared by the Department of Labor) for the calendar year preceding the appointment of the receiver exceeds the Consumer Price Index for the calendar year 1992. , (e) All claims for taxes. , (f) All claims of creditors which are secured by specific assets of the Corporation, with priority of conflicting claims of creditors within this same class to be determined in accordance with priorities of applicable Federal or State law. , (g) All claims of general creditors. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["650"],"part_title":["PART 650 - FEDERAL AGRICULTURAL MORTGAGE CORPORATION GENERAL PROVISIONS"],"section":["650.45"],"section_title":["\u00a7 650.45 Priority of claims."]},"_input_hash":1099613188,"_task_hash":48887202,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711811174,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"The following priority of claims shall apply to the distribution of the assets of the Corporation in liquidation: , (a) All costs, expenses, and debts incurred by the receiver in connection with the administration of the receivership, all Farm Credit Administration assessments for the costs of supervising and examining the Corporation, and any amounts borrowed pursuant to \u00a7 650.56(b)(3). , (b) Administrative expenses of the Corporation, provided that such expenses were incurred within 60 days prior to the receiver's taking possession, and that such expenses shall be limited to reasonable expenses incurred for services actually provided by accountants, attorneys, appraisers, examiners, or management companies, or reasonable expenses incurred by employees that were authorized and reimbursable under a preexisting expense reimbursement policy and that, in the opinion of the receiver, are of benefit to the receivership, and shall not include wages or salaries of employees of the Corporation. , (c) If authorized by the receiver, claims for wages and salaries, including vacation pay, earned prior to the appointment of the receiver by an employee of the Corporation whom the receiver determines it is in the best interest of the receivership to engage or retain for a reasonable period of time. , (d) If authorized by the receiver, claims for wages and salaries, including vacation pay, earned prior to the appointment of the receiver, up to a maximum of three thousand dollars ($3,000) per person as adjusted for inflation, by an employee of the Corporation not engaged or retained by the receiver. The adjustment for inflation shall be the percentage by which the Consumer Price Index (as prepared by the Department of Labor) for the calendar year preceding the appointment of the receiver exceeds the Consumer Price Index for the calendar year 1992. , (e) All claims for taxes. , (f) All claims of creditors which are secured by specific assets of the Corporation, with priority of conflicting claims of creditors within this same class to be determined in accordance with priorities of applicable Federal or State law. , (g) All claims of general creditors. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["650"],"part_title":["PART 650 - FEDERAL AGRICULTURAL MORTGAGE CORPORATION GENERAL PROVISIONS"],"section":["650.45"],"section_title":["\u00a7 650.45 Priority of claims."]},"_input_hash":1099613188,"_task_hash":-238389145,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711833113,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) In general. A Bank's board of directors shall approve any amendments to the Bank's capital plan and submit such amendment to the Director for approval. No such amendment may take effect until it has been approved by the Director., (b) Submission of amendments for approval. Any request for approval of capital plan amendments should be submitted to the Deputy Director for the Division of Federal Home Loan Bank Regulation and should include the following:, (1) The name of the Bank making the request and the name, title, and contact information of the official filing the request;, (2) The name, title and contact information of the staff member(s) whom FHFA may contact for additional information;, (3) A certification by an executive officer of the Bank with knowledge of the facts that the representations made in the request are accurate and complete. The following form of certification may be used: \u201cI hereby certify that the statements contained in the submission are true and complete to the best of my knowledge. Name and Title\u201d;, (4) A written, narrative description of the proposed amendments to the Bank's capital plan and a discussion of the Bank's reasons for the proposed changes;, (5) The amended capital plan as approved by the Bank's board of directors;, (6) A version of the Bank's capital plan showing all proposed changes to its previously approved capital plan;, (7) Resolutions of the Bank's board of directors:, (i) Approving the proposed capital plan amendments; and, (ii) Authorizing the filing of the application for approval of the amendments and concurring in substance with the supporting documentation provided;, (8) An opinion of counsel demonstrating that the proposed amendments comply with the Bank Act, FHFA regulations and any other applicable law or regulation. If the amendments would be identical in substance to provisions approved for other Banks' capital plans, a Bank's legal analysis may reference the other capital plans that contain the provisions in question;, (9) An analysis of the effect of the proposed amendments, if any, on the Bank's capital levels and the Bank's ability to meet its regulatory capital requirements;, (10) Pro forma financial statements from the end of the quarter immediately prior to the date of submission of the request for approval through at least the end of the next two years, showing the impact of the proposed changes, if any, on capital levels; and, (11) A discussion of and an explanation for changes to the Bank's strategic plan, if any, which may be related to the capital plan amendments., (c) FHFA consideration of the amendment. The Director may approve any amendment to a Bank's capital plan as submitted or may condition approval on the Bank's compliance with certain stated conditions.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1277"],"part_title":["PART 1277 - FEDERAL HOME LOAN BANK CAPITAL REQUIREMENTS, CAPITAL STOCK AND CAPITAL PLANS"],"section":["1277.29"],"section_title":["\u00a7 1277.29 Amendments to a Bank's capital plan."]},"_input_hash":-1157918339,"_task_hash":-951756372,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843639,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) In general. A Bank's board of directors shall approve any amendments to the Bank's capital plan and submit such amendment to the Director for approval. No such amendment may take effect until it has been approved by the Director., (b) Submission of amendments for approval. Any request for approval of capital plan amendments should be submitted to the Deputy Director for the Division of Federal Home Loan Bank Regulation and should include the following:, (1) The name of the Bank making the request and the name, title, and contact information of the official filing the request;, (2) The name, title and contact information of the staff member(s) whom FHFA may contact for additional information;, (3) A certification by an executive officer of the Bank with knowledge of the facts that the representations made in the request are accurate and complete. The following form of certification may be used: \u201cI hereby certify that the statements contained in the submission are true and complete to the best of my knowledge. Name and Title\u201d;, (4) A written, narrative description of the proposed amendments to the Bank's capital plan and a discussion of the Bank's reasons for the proposed changes;, (5) The amended capital plan as approved by the Bank's board of directors;, (6) A version of the Bank's capital plan showing all proposed changes to its previously approved capital plan;, (7) Resolutions of the Bank's board of directors:, (i) Approving the proposed capital plan amendments; and, (ii) Authorizing the filing of the application for approval of the amendments and concurring in substance with the supporting documentation provided;, (8) An opinion of counsel demonstrating that the proposed amendments comply with the Bank Act, FHFA regulations and any other applicable law or regulation. If the amendments would be identical in substance to provisions approved for other Banks' capital plans, a Bank's legal analysis may reference the other capital plans that contain the provisions in question;, (9) An analysis of the effect of the proposed amendments, if any, on the Bank's capital levels and the Bank's ability to meet its regulatory capital requirements;, (10) Pro forma financial statements from the end of the quarter immediately prior to the date of submission of the request for approval through at least the end of the next two years, showing the impact of the proposed changes, if any, on capital levels; and, (11) A discussion of and an explanation for changes to the Bank's strategic plan, if any, which may be related to the capital plan amendments., (c) FHFA consideration of the amendment. The Director may approve any amendment to a Bank's capital plan as submitted or may condition approval on the Bank's compliance with certain stated conditions.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1277"],"part_title":["PART 1277 - FEDERAL HOME LOAN BANK CAPITAL REQUIREMENTS, CAPITAL STOCK AND CAPITAL PLANS"],"section":["1277.29"],"section_title":["\u00a7 1277.29 Amendments to a Bank's capital plan."]},"_input_hash":-1157918339,"_task_hash":-951756372,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711811199,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) In general. A Bank's board of directors shall approve any amendments to the Bank's capital plan and submit such amendment to the Director for approval. No such amendment may take effect until it has been approved by the Director., (b) Submission of amendments for approval. Any request for approval of capital plan amendments should be submitted to the Deputy Director for the Division of Federal Home Loan Bank Regulation and should include the following:, (1) The name of the Bank making the request and the name, title, and contact information of the official filing the request;, (2) The name, title and contact information of the staff member(s) whom FHFA may contact for additional information;, (3) A certification by an executive officer of the Bank with knowledge of the facts that the representations made in the request are accurate and complete. The following form of certification may be used: \u201cI hereby certify that the statements contained in the submission are true and complete to the best of my knowledge. Name and Title\u201d;, (4) A written, narrative description of the proposed amendments to the Bank's capital plan and a discussion of the Bank's reasons for the proposed changes;, (5) The amended capital plan as approved by the Bank's board of directors;, (6) A version of the Bank's capital plan showing all proposed changes to its previously approved capital plan;, (7) Resolutions of the Bank's board of directors:, (i) Approving the proposed capital plan amendments; and, (ii) Authorizing the filing of the application for approval of the amendments and concurring in substance with the supporting documentation provided;, (8) An opinion of counsel demonstrating that the proposed amendments comply with the Bank Act, FHFA regulations and any other applicable law or regulation. If the amendments would be identical in substance to provisions approved for other Banks' capital plans, a Bank's legal analysis may reference the other capital plans that contain the provisions in question;, (9) An analysis of the effect of the proposed amendments, if any, on the Bank's capital levels and the Bank's ability to meet its regulatory capital requirements;, (10) Pro forma financial statements from the end of the quarter immediately prior to the date of submission of the request for approval through at least the end of the next two years, showing the impact of the proposed changes, if any, on capital levels; and, (11) A discussion of and an explanation for changes to the Bank's strategic plan, if any, which may be related to the capital plan amendments., (c) FHFA consideration of the amendment. The Director may approve any amendment to a Bank's capital plan as submitted or may condition approval on the Bank's compliance with certain stated conditions.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1277"],"part_title":["PART 1277 - FEDERAL HOME LOAN BANK CAPITAL REQUIREMENTS, CAPITAL STOCK AND CAPITAL PLANS"],"section":["1277.29"],"section_title":["\u00a7 1277.29 Amendments to a Bank's capital plan."]},"_input_hash":-1157918339,"_task_hash":-633061127,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711827448,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"An applicant that has recently consolidated with another institution is subject to the requirements of \u00a7\u00a7 1263.7 to 1263.13 except as provided in this section., (a) Financial condition requirement. For purposes of \u00a7 1263.11(a)(1) and 1263.11(b)(3)(i)(A), a recently consolidated applicant that has not yet filed regulatory financial reports as a consolidated entity for six quarters or three calendar year-ends shall provide to the Bank:, (1) All regulatory financial reports that the applicant has filed as a consolidated entity; and, (2) Pro forma combined financial statements for those quarters for which actual combined regulatory financial reports are unavailable., (b) Home financing policy requirement. For purposes of \u00a7 1263.13, a recently consolidated applicant that has not yet received its first CRA performance evaluation as a consolidated entity shall file as part of its application a written justification acceptable to the Bank of how and why the applicant's home financing credit policy and lending practices will meet the credit needs of its community., (c) Makes long-term home mortgage loans requirement; 10 percent requirement. For purposes of determining compliance with \u00a7\u00a7 1263.9 and 1263.10, a Bank may, in its discretion, permit a recently consolidated applicant that has not yet filed a regulatory financial report as a consolidated entity to provide the pro forma financial statement for the consolidated entity that the consolidating entities filed with the regulator that approved the consolidation.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1263"],"part_title":["PART 1263 - MEMBERS OF THE BANKS"],"section":["1263.15"],"section_title":["\u00a7 1263.15 Recently consolidated applicants."]},"_input_hash":1197465877,"_task_hash":126642986,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843640,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"An applicant that has recently consolidated with another institution is subject to the requirements of \u00a7\u00a7 1263.7 to 1263.13 except as provided in this section., (a) Financial condition requirement. For purposes of \u00a7 1263.11(a)(1) and 1263.11(b)(3)(i)(A), a recently consolidated applicant that has not yet filed regulatory financial reports as a consolidated entity for six quarters or three calendar year-ends shall provide to the Bank:, (1) All regulatory financial reports that the applicant has filed as a consolidated entity; and, (2) Pro forma combined financial statements for those quarters for which actual combined regulatory financial reports are unavailable., (b) Home financing policy requirement. For purposes of \u00a7 1263.13, a recently consolidated applicant that has not yet received its first CRA performance evaluation as a consolidated entity shall file as part of its application a written justification acceptable to the Bank of how and why the applicant's home financing credit policy and lending practices will meet the credit needs of its community., (c) Makes long-term home mortgage loans requirement; 10 percent requirement. For purposes of determining compliance with \u00a7\u00a7 1263.9 and 1263.10, a Bank may, in its discretion, permit a recently consolidated applicant that has not yet filed a regulatory financial report as a consolidated entity to provide the pro forma financial statement for the consolidated entity that the consolidating entities filed with the regulator that approved the consolidation.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1263"],"part_title":["PART 1263 - MEMBERS OF THE BANKS"],"section":["1263.15"],"section_title":["\u00a7 1263.15 Recently consolidated applicants."]},"_input_hash":1197465877,"_task_hash":126642986,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711811288,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"An applicant that has recently consolidated with another institution is subject to the requirements of \u00a7\u00a7 1263.7 to 1263.13 except as provided in this section., (a) Financial condition requirement. For purposes of \u00a7 1263.11(a)(1) and 1263.11(b)(3)(i)(A), a recently consolidated applicant that has not yet filed regulatory financial reports as a consolidated entity for six quarters or three calendar year-ends shall provide to the Bank:, (1) All regulatory financial reports that the applicant has filed as a consolidated entity; and, (2) Pro forma combined financial statements for those quarters for which actual combined regulatory financial reports are unavailable., (b) Home financing policy requirement. For purposes of \u00a7 1263.13, a recently consolidated applicant that has not yet received its first CRA performance evaluation as a consolidated entity shall file as part of its application a written justification acceptable to the Bank of how and why the applicant's home financing credit policy and lending practices will meet the credit needs of its community., (c) Makes long-term home mortgage loans requirement; 10 percent requirement. For purposes of determining compliance with \u00a7\u00a7 1263.9 and 1263.10, a Bank may, in its discretion, permit a recently consolidated applicant that has not yet filed a regulatory financial report as a consolidated entity to provide the pro forma financial statement for the consolidated entity that the consolidating entities filed with the regulator that approved the consolidation.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1263"],"part_title":["PART 1263 - MEMBERS OF THE BANKS"],"section":["1263.15"],"section_title":["\u00a7 1263.15 Recently consolidated applicants."]},"_input_hash":1197465877,"_task_hash":-1094993310,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711833239,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Criminal and civil penalties. (1) Section 10 of the HOLA provides criminal penalties for willful violation, and civil penalties for violation, by any company or individual, of HOLA or any regulation or order issued under it, or for making a false entry in any book, report, or statement of a savings and loan holding company., (2) Civil money penalty assessments for violations of HOLA shall be made in accordance with subpart C of the Board's Rules of Practice for Hearings (12 CFR part 263, subpart C). For any willful violation of the Bank Control Act or any regulation or order issued under it, the Board may assess a civil penalty as provided in 12 U.S.C. 1817(j)(15)., (b) Cease-and-desist proceedings. For any violation of HOLA, the Bank Control Act, this regulation, or any order or notice issued thereunder, the Board may institute a cease-and-desist proceeding in accordance with the Financial Institutions Supervisory Act of 1966, as amended (12 U.S.C. 1818(b) et seq.).","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["238"],"part_title":["PART 238 - SAVINGS AND LOAN HOLDING COMPANIES (REGULATION LL)"],"section":["238.6"],"section_title":["\u00a7 238.6 Penalties for violations."]},"_input_hash":960309776,"_task_hash":827969100,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843642,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"(a) Criminal and civil penalties. (1) Section 10 of the HOLA provides criminal penalties for willful violation, and civil penalties for violation, by any company or individual, of HOLA or any regulation or order issued under it, or for making a false entry in any book, report, or statement of a savings and loan holding company., (2) Civil money penalty assessments for violations of HOLA shall be made in accordance with subpart C of the Board's Rules of Practice for Hearings (12 CFR part 263, subpart C). For any willful violation of the Bank Control Act or any regulation or order issued under it, the Board may assess a civil penalty as provided in 12 U.S.C. 1817(j)(15)., (b) Cease-and-desist proceedings. For any violation of HOLA, the Bank Control Act, this regulation, or any order or notice issued thereunder, the Board may institute a cease-and-desist proceeding in accordance with the Financial Institutions Supervisory Act of 1966, as amended (12 U.S.C. 1818(b) et seq.).","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["238"],"part_title":["PART 238 - SAVINGS AND LOAN HOLDING COMPANIES (REGULATION LL)"],"section":["238.6"],"section_title":["\u00a7 238.6 Penalties for violations."]},"_input_hash":960309776,"_task_hash":827969100,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711811376,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"(a) Criminal and civil penalties. (1) Section 10 of the HOLA provides criminal penalties for willful violation, and civil penalties for violation, by any company or individual, of HOLA or any regulation or order issued under it, or for making a false entry in any book, report, or statement of a savings and loan holding company., (2) Civil money penalty assessments for violations of HOLA shall be made in accordance with subpart C of the Board's Rules of Practice for Hearings (12 CFR part 263, subpart C). For any willful violation of the Bank Control Act or any regulation or order issued under it, the Board may assess a civil penalty as provided in 12 U.S.C. 1817(j)(15)., (b) Cease-and-desist proceedings. For any violation of HOLA, the Bank Control Act, this regulation, or any order or notice issued thereunder, the Board may institute a cease-and-desist proceeding in accordance with the Financial Institutions Supervisory Act of 1966, as amended (12 U.S.C. 1818(b) et seq.).","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["238"],"part_title":["PART 238 - SAVINGS AND LOAN HOLDING COMPANIES (REGULATION LL)"],"section":["238.6"],"section_title":["\u00a7 238.6 Penalties for violations."]},"_input_hash":960309776,"_task_hash":-35521987,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711818302,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) Criminal and civil penalties. (1) Section 10 of the HOLA provides criminal penalties for willful violation, and civil penalties for violation, by any company or individual, of HOLA or any regulation or order issued under it, or for making a false entry in any book, report, or statement of a savings and loan holding company., (2) Civil money penalty assessments for violations of HOLA shall be made in accordance with subpart C of the Board's Rules of Practice for Hearings (12 CFR part 263, subpart C). For any willful violation of the Bank Control Act or any regulation or order issued under it, the Board may assess a civil penalty as provided in 12 U.S.C. 1817(j)(15)., (b) Cease-and-desist proceedings. For any violation of HOLA, the Bank Control Act, this regulation, or any order or notice issued thereunder, the Board may institute a cease-and-desist proceeding in accordance with the Financial Institutions Supervisory Act of 1966, as amended (12 U.S.C. 1818(b) et seq.).","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["238"],"part_title":["PART 238 - SAVINGS AND LOAN HOLDING COMPANIES (REGULATION LL)"],"section":["238.6"],"section_title":["\u00a7 238.6 Penalties for violations."]},"_input_hash":960309776,"_task_hash":1139139264,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711833352,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) General minimum requirements. The record retention program established and maintained by each regulated entity and the Office of Finance under \u00a7 1235.3 shall:, (1) Assure that retained records are complete and accurate;, (2) Assure that the form of retained records and the retention period - , (i) Are appropriate to support administrative, business, external and internal audit functions, and litigation of the regulated entity or the Office of Finance; and, (ii) Comply with requirements of applicable laws and regulations, including this part;, (3) Assign in writing the authorities and responsibilities for record retention activities for employees, including line managers and corporate management;, (4) Include policies and procedures concerning record holds, consistent with \u00a7 1235.5, and, as appropriate, integrate them with policies and procedures throughout the organization;, (5) Include an accurate, current, and comprehensive record retention schedule that lists records by major categories, subcategories, record type, and retention period, which retention period is appropriate to the specific record and consistent with applicable legal, regulatory, fiscal, operational, and business requirements;, (6) Include appropriate security and internal controls to protect records from unauthorized access and data alteration;, (7) Provide for appropriate back-up and recovery of electronic records to ensure the same accuracy as the primary records;, (8) Provide for a periodic testing of the ability to access records; and, (9) Provide for the proper disposition of records., (b) Minimum storage requirements for electronic records. Electronic records, preferably searchable, must be maintained on immutable, non-rewritable storage in a manner that provides for both ready access by any person who is entitled to access the records, including staff of FHFA, and accurate reproduction for later reference by transmission, printing or other means., (c) Communication and training - (1) The record retention program established and maintained by each regulated entity and the Office of Finance under \u00a7 1235.3 shall provide for periodic training and communication throughout the organization., (2) The record retention program shall:, (i) Provide for communication throughout the organization on record retention policies, procedures, and record retention schedule updates; and, (ii) Provide for training of and notice to all employees on a periodic basis on their record retention responsibilities, including instruction regarding penalties provided by law for the unlawful removal or destruction of records. The record retention program also shall provide for training for the agents or independent contractors of a regulated entity or the Office of Finance, as appropriate, consistent with their respective roles and responsibilities to the regulated entity or the Office of Finance.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - ENTITY REGULATIONS"],"part":["1235"],"part_title":["PART 1235 - RECORD RETENTION FOR REGULATED ENTITIES AND OFFICE OF FINANCE"],"section":["1235.4"],"section_title":["\u00a7 1235.4 Minimum requirements of a record retention program."]},"_input_hash":-1298383660,"_task_hash":630782931,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843644,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"tyler\""],"versions":[{"text":"(a) General minimum requirements. The record retention program established and maintained by each regulated entity and the Office of Finance under \u00a7 1235.3 shall:, (1) Assure that retained records are complete and accurate;, (2) Assure that the form of retained records and the retention period - , (i) Are appropriate to support administrative, business, external and internal audit functions, and litigation of the regulated entity or the Office of Finance; and, (ii) Comply with requirements of applicable laws and regulations, including this part;, (3) Assign in writing the authorities and responsibilities for record retention activities for employees, including line managers and corporate management;, (4) Include policies and procedures concerning record holds, consistent with \u00a7 1235.5, and, as appropriate, integrate them with policies and procedures throughout the organization;, (5) Include an accurate, current, and comprehensive record retention schedule that lists records by major categories, subcategories, record type, and retention period, which retention period is appropriate to the specific record and consistent with applicable legal, regulatory, fiscal, operational, and business requirements;, (6) Include appropriate security and internal controls to protect records from unauthorized access and data alteration;, (7) Provide for appropriate back-up and recovery of electronic records to ensure the same accuracy as the primary records;, (8) Provide for a periodic testing of the ability to access records; and, (9) Provide for the proper disposition of records., (b) Minimum storage requirements for electronic records. Electronic records, preferably searchable, must be maintained on immutable, non-rewritable storage in a manner that provides for both ready access by any person who is entitled to access the records, including staff of FHFA, and accurate reproduction for later reference by transmission, printing or other means., (c) Communication and training - (1) The record retention program established and maintained by each regulated entity and the Office of Finance under \u00a7 1235.3 shall provide for periodic training and communication throughout the organization., (2) The record retention program shall:, (i) Provide for communication throughout the organization on record retention policies, procedures, and record retention schedule updates; and, (ii) Provide for training of and notice to all employees on a periodic basis on their record retention responsibilities, including instruction regarding penalties provided by law for the unlawful removal or destruction of records. The record retention program also shall provide for training for the agents or independent contractors of a regulated entity or the Office of Finance, as appropriate, consistent with their respective roles and responsibilities to the regulated entity or the Office of Finance.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - ENTITY REGULATIONS"],"part":["1235"],"part_title":["PART 1235 - RECORD RETENTION FOR REGULATED ENTITIES AND OFFICE OF FINANCE"],"section":["1235.4"],"section_title":["\u00a7 1235.4 Minimum requirements of a record retention program."]},"_input_hash":-1298383660,"_task_hash":1916693156,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711811477,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"(a) General minimum requirements. The record retention program established and maintained by each regulated entity and the Office of Finance under \u00a7 1235.3 shall:, (1) Assure that retained records are complete and accurate;, (2) Assure that the form of retained records and the retention period - , (i) Are appropriate to support administrative, business, external and internal audit functions, and litigation of the regulated entity or the Office of Finance; and, (ii) Comply with requirements of applicable laws and regulations, including this part;, (3) Assign in writing the authorities and responsibilities for record retention activities for employees, including line managers and corporate management;, (4) Include policies and procedures concerning record holds, consistent with \u00a7 1235.5, and, as appropriate, integrate them with policies and procedures throughout the organization;, (5) Include an accurate, current, and comprehensive record retention schedule that lists records by major categories, subcategories, record type, and retention period, which retention period is appropriate to the specific record and consistent with applicable legal, regulatory, fiscal, operational, and business requirements;, (6) Include appropriate security and internal controls to protect records from unauthorized access and data alteration;, (7) Provide for appropriate back-up and recovery of electronic records to ensure the same accuracy as the primary records;, (8) Provide for a periodic testing of the ability to access records; and, (9) Provide for the proper disposition of records., (b) Minimum storage requirements for electronic records. Electronic records, preferably searchable, must be maintained on immutable, non-rewritable storage in a manner that provides for both ready access by any person who is entitled to access the records, including staff of FHFA, and accurate reproduction for later reference by transmission, printing or other means., (c) Communication and training - (1) The record retention program established and maintained by each regulated entity and the Office of Finance under \u00a7 1235.3 shall provide for periodic training and communication throughout the organization., (2) The record retention program shall:, (i) Provide for communication throughout the organization on record retention policies, procedures, and record retention schedule updates; and, (ii) Provide for training of and notice to all employees on a periodic basis on their record retention responsibilities, including instruction regarding penalties provided by law for the unlawful removal or destruction of records. The record retention program also shall provide for training for the agents or independent contractors of a regulated entity or the Office of Finance, as appropriate, consistent with their respective roles and responsibilities to the regulated entity or the Office of Finance.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - ENTITY REGULATIONS"],"part":["1235"],"part_title":["PART 1235 - RECORD RETENTION FOR REGULATED ENTITIES AND OFFICE OF FINANCE"],"section":["1235.4"],"section_title":["\u00a7 1235.4 Minimum requirements of a record retention program."]},"_input_hash":-1298383660,"_task_hash":630782931,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711818350,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) General requirement - (1) In general. An Enterprise must calculate its standardized measure for spread risk by following the steps described in paragraph (a)(2) of this section. An Enterprise also must calculate an advanced measure for spread risk by following the steps in paragraph (a)(2) of this section., (2) Measure for spread risk. An Enterprise must calculate the standardized measure for spread risk, which equals the sum of the spread risk capital requirements of all covered positions using one or more of its internal models except as contemplated by paragraphs (b) or (c) of this section. An Enterprise also must calculate the advanced measure for spread risk, which equals the sum of the spread risk capital requirements of all covered positions calculated using one or more of its internal models., (b) Single point approach - (1) General. For purposes of the standardized measure for spread risk, the spread risk capital requirement for a covered position that is an RPL, an NPL, a reverse mortgage loan, or a reverse mortgage security is the amount equal to:, (i) The market value of the covered position; multiplied by, (ii) The applicable single point shock assumption for the covered position under paragraph (b)(2) of this section., (2) Applicable single point shock assumption. The applicable single point shock assumption is:, (i) 0.0475 for an RPL or an NPL;, (ii) 0.0160 for a reverse mortgage loan; and, (iii) 0.0410 for a reverse mortgage security., (c) Spread duration approach - (1) General. For purposes of the standardized measure for spread risk, the spread risk capital requirement for a covered position that is a multifamily mortgage exposure, a PLS, or an MBS guaranteed by an Enterprise or Ginnie Mae and secured by multifamily mortgage exposures is the amount equal to:, (i) The market value of the covered position; multiplied by, (ii) The spread duration of the covered position determined by the Enterprise using one or more of its internal models; multiplied by, (iii) The applicable spread shock assumption under paragraph (c)(2) of this section., (2) Applicable spread shock assumption. The applicable spread shock is:, (i) 0.0015 for a multifamily mortgage exposure;, (ii) 0.0265 for a PLS; and, (iii) 0.0100 for an MBS guaranteed by an Enterprise or by Ginnie Mae and secured by multifamily mortgage exposures (other than IO securities guaranteed by an Enterprise or Ginnie Mae).","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["C"],"subchapter_title":["SUBCHAPTER C - ENTERPRISES"],"part":["1240"],"part_title":["PART 1240 - CAPITAL ADEQUACY OF ENTERPRISES"],"section":["1240.204"],"section_title":["\u00a7 1240.204 Measure for spread risk."]},"_input_hash":-535456252,"_task_hash":260183129,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843645,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) General requirement - (1) In general. An Enterprise must calculate its standardized measure for spread risk by following the steps described in paragraph (a)(2) of this section. An Enterprise also must calculate an advanced measure for spread risk by following the steps in paragraph (a)(2) of this section., (2) Measure for spread risk. An Enterprise must calculate the standardized measure for spread risk, which equals the sum of the spread risk capital requirements of all covered positions using one or more of its internal models except as contemplated by paragraphs (b) or (c) of this section. An Enterprise also must calculate the advanced measure for spread risk, which equals the sum of the spread risk capital requirements of all covered positions calculated using one or more of its internal models., (b) Single point approach - (1) General. For purposes of the standardized measure for spread risk, the spread risk capital requirement for a covered position that is an RPL, an NPL, a reverse mortgage loan, or a reverse mortgage security is the amount equal to:, (i) The market value of the covered position; multiplied by, (ii) The applicable single point shock assumption for the covered position under paragraph (b)(2) of this section., (2) Applicable single point shock assumption. The applicable single point shock assumption is:, (i) 0.0475 for an RPL or an NPL;, (ii) 0.0160 for a reverse mortgage loan; and, (iii) 0.0410 for a reverse mortgage security., (c) Spread duration approach - (1) General. For purposes of the standardized measure for spread risk, the spread risk capital requirement for a covered position that is a multifamily mortgage exposure, a PLS, or an MBS guaranteed by an Enterprise or Ginnie Mae and secured by multifamily mortgage exposures is the amount equal to:, (i) The market value of the covered position; multiplied by, (ii) The spread duration of the covered position determined by the Enterprise using one or more of its internal models; multiplied by, (iii) The applicable spread shock assumption under paragraph (c)(2) of this section., (2) Applicable spread shock assumption. The applicable spread shock is:, (i) 0.0015 for a multifamily mortgage exposure;, (ii) 0.0265 for a PLS; and, (iii) 0.0100 for an MBS guaranteed by an Enterprise or by Ginnie Mae and secured by multifamily mortgage exposures (other than IO securities guaranteed by an Enterprise or Ginnie Mae).","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["C"],"subchapter_title":["SUBCHAPTER C - ENTERPRISES"],"part":["1240"],"part_title":["PART 1240 - CAPITAL ADEQUACY OF ENTERPRISES"],"section":["1240.204"],"section_title":["\u00a7 1240.204 Measure for spread risk."]},"_input_hash":-535456252,"_task_hash":260183129,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711811540,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) General requirement - (1) In general. An Enterprise must calculate its standardized measure for spread risk by following the steps described in paragraph (a)(2) of this section. An Enterprise also must calculate an advanced measure for spread risk by following the steps in paragraph (a)(2) of this section., (2) Measure for spread risk. An Enterprise must calculate the standardized measure for spread risk, which equals the sum of the spread risk capital requirements of all covered positions using one or more of its internal models except as contemplated by paragraphs (b) or (c) of this section. An Enterprise also must calculate the advanced measure for spread risk, which equals the sum of the spread risk capital requirements of all covered positions calculated using one or more of its internal models., (b) Single point approach - (1) General. For purposes of the standardized measure for spread risk, the spread risk capital requirement for a covered position that is an RPL, an NPL, a reverse mortgage loan, or a reverse mortgage security is the amount equal to:, (i) The market value of the covered position; multiplied by, (ii) The applicable single point shock assumption for the covered position under paragraph (b)(2) of this section., (2) Applicable single point shock assumption. The applicable single point shock assumption is:, (i) 0.0475 for an RPL or an NPL;, (ii) 0.0160 for a reverse mortgage loan; and, (iii) 0.0410 for a reverse mortgage security., (c) Spread duration approach - (1) General. For purposes of the standardized measure for spread risk, the spread risk capital requirement for a covered position that is a multifamily mortgage exposure, a PLS, or an MBS guaranteed by an Enterprise or Ginnie Mae and secured by multifamily mortgage exposures is the amount equal to:, (i) The market value of the covered position; multiplied by, (ii) The spread duration of the covered position determined by the Enterprise using one or more of its internal models; multiplied by, (iii) The applicable spread shock assumption under paragraph (c)(2) of this section., (2) Applicable spread shock assumption. The applicable spread shock is:, (i) 0.0015 for a multifamily mortgage exposure;, (ii) 0.0265 for a PLS; and, (iii) 0.0100 for an MBS guaranteed by an Enterprise or by Ginnie Mae and secured by multifamily mortgage exposures (other than IO securities guaranteed by an Enterprise or Ginnie Mae).","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["C"],"subchapter_title":["SUBCHAPTER C - ENTERPRISES"],"part":["1240"],"part_title":["PART 1240 - CAPITAL ADEQUACY OF ENTERPRISES"],"section":["1240.204"],"section_title":["\u00a7 1240.204 Measure for spread risk."]},"_input_hash":-535456252,"_task_hash":-1294235799,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711827611,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Requirements. Any building and loan association, savings and loan association, cooperative bank, homestead association, insurance company, savings bank, community development financial institution (including a CDFI credit union), or insured depository institution shall be eligible for Bank membership if:, (1) It is duly organized under tribal law, or under the laws of any State or of the United States;, (2) It is subject to inspection and regulation under the banking laws, or under similar laws, of any State or of the United States or, in the case of a CDFI, is certified by the CDFI Fund;, (3) It makes long-term home mortgage loans;, (4) Its financial condition is such that advances may be safely made to it;, (5) The character of its management is consistent with sound and economical home financing;, (6) Its home financing policy is consistent with sound and economical home financing; and, (7) It has complied with any applicable requirement of paragraphs (b) and (c) of this section., (b) Additional eligibility requirement for insured depository institutions other than community financial institutions. In order to be eligible to become a member of a Bank, an insured depository institution applicant other than a community financial institution also must have at least 10 percent of its total assets in residential mortgage loans., (c) Additional eligibility requirement for applicants that are not insured depository institutions. In order to be eligible to become a member of a Bank, an applicant that is not an insured depository institution also must have mortgage-related assets that reflect a commitment to housing finance, as determined by the Bank in its discretion., (d) Ineligibility. Except as provided in paragraph (e) of this section, an institution that does not satisfy the requirements of this part shall be ineligible for membership., (e) Treatment of captives previously admitted to membership. A Bank that admitted one or more captives to membership prior to February 19, 2016 shall wind down its relationship with, and terminate the membership of, each of those captives as provided in this paragraph (e)., (1) Captives admitted prior to September 12, 2014. - (i) A Bank shall have until February 19, 2021 to wind down its business transactions with any captive that it had admitted to membership prior to September 12, 2014, notwithstanding the captive's ineligibility for Bank membership. The Bank may make or renew an advance to such a captive only if:, (A) After making or renewing the advance, its total outstanding advances to that captive would not exceed 40 percent of the captive's total assets; and, (B) The new or renewed advance has a maturity date no later than February 19, 2021., (ii) A Bank shall terminate the membership of any captive described in paragraph (e)(1)(i) of this section no later than February 19, 2021, as provided under \u00a7 1263.27. After termination, the Bank shall require the liquidation of any outstanding indebtedness owed by, and the settlement of all other outstanding business transactions with, such terminated captive, and shall redeem or repurchase the Bank stock owned by the captive in accordance with \u00a7 1263.29; provided that the Bank may allow the captive to repay any outstanding advance made or last renewed in accordance with the applicable requirements then in effect and having a maturity date later than its date of termination in accordance with its terms and delay the repurchase of any Bank stock held in support of that advance until after the advance has been repaid, in accordance with the Bank's capital plan., (2) Captives admitted on or after September 12, 2014. - (i) A Bank shall have until February 19, 2017 to wind down its business transactions with any captive that it had admitted to membership on or after September 12, 2014, notwithstanding the captive's ineligibility for Bank membership. The Bank shall not make or renew any advance to such a captive., (ii) A Bank shall terminate the membership of any captive described in paragraph (e)(2)(i) of this section no later than February 19, 2017, as provided under \u00a7 1263.27. Upon termination, the Bank shall require the liquidation of any outstanding indebtedness owed by, and the settlement of all other outstanding business transactions with, such terminated captive, and shall redeem or repurchase the Bank stock owned by the captive in accordance with \u00a7 1263.29; provided that all advances outstanding to that member must be repaid in full by the termination date.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1263"],"part_title":["PART 1263 - MEMBERS OF THE BANKS"],"section":["1263.6"],"section_title":["\u00a7 1263.6 General eligibility requirements."]},"_input_hash":1098988383,"_task_hash":196031607,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843647,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Requirements. Any building and loan association, savings and loan association, cooperative bank, homestead association, insurance company, savings bank, community development financial institution (including a CDFI credit union), or insured depository institution shall be eligible for Bank membership if:, (1) It is duly organized under tribal law, or under the laws of any State or of the United States;, (2) It is subject to inspection and regulation under the banking laws, or under similar laws, of any State or of the United States or, in the case of a CDFI, is certified by the CDFI Fund;, (3) It makes long-term home mortgage loans;, (4) Its financial condition is such that advances may be safely made to it;, (5) The character of its management is consistent with sound and economical home financing;, (6) Its home financing policy is consistent with sound and economical home financing; and, (7) It has complied with any applicable requirement of paragraphs (b) and (c) of this section., (b) Additional eligibility requirement for insured depository institutions other than community financial institutions. In order to be eligible to become a member of a Bank, an insured depository institution applicant other than a community financial institution also must have at least 10 percent of its total assets in residential mortgage loans., (c) Additional eligibility requirement for applicants that are not insured depository institutions. In order to be eligible to become a member of a Bank, an applicant that is not an insured depository institution also must have mortgage-related assets that reflect a commitment to housing finance, as determined by the Bank in its discretion., (d) Ineligibility. Except as provided in paragraph (e) of this section, an institution that does not satisfy the requirements of this part shall be ineligible for membership., (e) Treatment of captives previously admitted to membership. A Bank that admitted one or more captives to membership prior to February 19, 2016 shall wind down its relationship with, and terminate the membership of, each of those captives as provided in this paragraph (e)., (1) Captives admitted prior to September 12, 2014. - (i) A Bank shall have until February 19, 2021 to wind down its business transactions with any captive that it had admitted to membership prior to September 12, 2014, notwithstanding the captive's ineligibility for Bank membership. The Bank may make or renew an advance to such a captive only if:, (A) After making or renewing the advance, its total outstanding advances to that captive would not exceed 40 percent of the captive's total assets; and, (B) The new or renewed advance has a maturity date no later than February 19, 2021., (ii) A Bank shall terminate the membership of any captive described in paragraph (e)(1)(i) of this section no later than February 19, 2021, as provided under \u00a7 1263.27. After termination, the Bank shall require the liquidation of any outstanding indebtedness owed by, and the settlement of all other outstanding business transactions with, such terminated captive, and shall redeem or repurchase the Bank stock owned by the captive in accordance with \u00a7 1263.29; provided that the Bank may allow the captive to repay any outstanding advance made or last renewed in accordance with the applicable requirements then in effect and having a maturity date later than its date of termination in accordance with its terms and delay the repurchase of any Bank stock held in support of that advance until after the advance has been repaid, in accordance with the Bank's capital plan., (2) Captives admitted on or after September 12, 2014. - (i) A Bank shall have until February 19, 2017 to wind down its business transactions with any captive that it had admitted to membership on or after September 12, 2014, notwithstanding the captive's ineligibility for Bank membership. The Bank shall not make or renew any advance to such a captive., (ii) A Bank shall terminate the membership of any captive described in paragraph (e)(2)(i) of this section no later than February 19, 2017, as provided under \u00a7 1263.27. Upon termination, the Bank shall require the liquidation of any outstanding indebtedness owed by, and the settlement of all other outstanding business transactions with, such terminated captive, and shall redeem or repurchase the Bank stock owned by the captive in accordance with \u00a7 1263.29; provided that all advances outstanding to that member must be repaid in full by the termination date.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1263"],"part_title":["PART 1263 - MEMBERS OF THE BANKS"],"section":["1263.6"],"section_title":["\u00a7 1263.6 General eligibility requirements."]},"_input_hash":1098988383,"_task_hash":1634198859,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711811635,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"(a) Requirements. Any building and loan association, savings and loan association, cooperative bank, homestead association, insurance company, savings bank, community development financial institution (including a CDFI credit union), or insured depository institution shall be eligible for Bank membership if:, (1) It is duly organized under tribal law, or under the laws of any State or of the United States;, (2) It is subject to inspection and regulation under the banking laws, or under similar laws, of any State or of the United States or, in the case of a CDFI, is certified by the CDFI Fund;, (3) It makes long-term home mortgage loans;, (4) Its financial condition is such that advances may be safely made to it;, (5) The character of its management is consistent with sound and economical home financing;, (6) Its home financing policy is consistent with sound and economical home financing; and, (7) It has complied with any applicable requirement of paragraphs (b) and (c) of this section., (b) Additional eligibility requirement for insured depository institutions other than community financial institutions. In order to be eligible to become a member of a Bank, an insured depository institution applicant other than a community financial institution also must have at least 10 percent of its total assets in residential mortgage loans., (c) Additional eligibility requirement for applicants that are not insured depository institutions. In order to be eligible to become a member of a Bank, an applicant that is not an insured depository institution also must have mortgage-related assets that reflect a commitment to housing finance, as determined by the Bank in its discretion., (d) Ineligibility. Except as provided in paragraph (e) of this section, an institution that does not satisfy the requirements of this part shall be ineligible for membership., (e) Treatment of captives previously admitted to membership. A Bank that admitted one or more captives to membership prior to February 19, 2016 shall wind down its relationship with, and terminate the membership of, each of those captives as provided in this paragraph (e)., (1) Captives admitted prior to September 12, 2014. - (i) A Bank shall have until February 19, 2021 to wind down its business transactions with any captive that it had admitted to membership prior to September 12, 2014, notwithstanding the captive's ineligibility for Bank membership. The Bank may make or renew an advance to such a captive only if:, (A) After making or renewing the advance, its total outstanding advances to that captive would not exceed 40 percent of the captive's total assets; and, (B) The new or renewed advance has a maturity date no later than February 19, 2021., (ii) A Bank shall terminate the membership of any captive described in paragraph (e)(1)(i) of this section no later than February 19, 2021, as provided under \u00a7 1263.27. After termination, the Bank shall require the liquidation of any outstanding indebtedness owed by, and the settlement of all other outstanding business transactions with, such terminated captive, and shall redeem or repurchase the Bank stock owned by the captive in accordance with \u00a7 1263.29; provided that the Bank may allow the captive to repay any outstanding advance made or last renewed in accordance with the applicable requirements then in effect and having a maturity date later than its date of termination in accordance with its terms and delay the repurchase of any Bank stock held in support of that advance until after the advance has been repaid, in accordance with the Bank's capital plan., (2) Captives admitted on or after September 12, 2014. - (i) A Bank shall have until February 19, 2017 to wind down its business transactions with any captive that it had admitted to membership on or after September 12, 2014, notwithstanding the captive's ineligibility for Bank membership. The Bank shall not make or renew any advance to such a captive., (ii) A Bank shall terminate the membership of any captive described in paragraph (e)(2)(i) of this section no later than February 19, 2017, as provided under \u00a7 1263.27. Upon termination, the Bank shall require the liquidation of any outstanding indebtedness owed by, and the settlement of all other outstanding business transactions with, such terminated captive, and shall redeem or repurchase the Bank stock owned by the captive in accordance with \u00a7 1263.29; provided that all advances outstanding to that member must be repaid in full by the termination date.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1263"],"part_title":["PART 1263 - MEMBERS OF THE BANKS"],"section":["1263.6"],"section_title":["\u00a7 1263.6 General eligibility requirements."]},"_input_hash":1098988383,"_task_hash":196031607,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711818501,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Requirements. Any building and loan association, savings and loan association, cooperative bank, homestead association, insurance company, savings bank, community development financial institution (including a CDFI credit union), or insured depository institution shall be eligible for Bank membership if:, (1) It is duly organized under tribal law, or under the laws of any State or of the United States;, (2) It is subject to inspection and regulation under the banking laws, or under similar laws, of any State or of the United States or, in the case of a CDFI, is certified by the CDFI Fund;, (3) It makes long-term home mortgage loans;, (4) Its financial condition is such that advances may be safely made to it;, (5) The character of its management is consistent with sound and economical home financing;, (6) Its home financing policy is consistent with sound and economical home financing; and, (7) It has complied with any applicable requirement of paragraphs (b) and (c) of this section., (b) Additional eligibility requirement for insured depository institutions other than community financial institutions. In order to be eligible to become a member of a Bank, an insured depository institution applicant other than a community financial institution also must have at least 10 percent of its total assets in residential mortgage loans., (c) Additional eligibility requirement for applicants that are not insured depository institutions. In order to be eligible to become a member of a Bank, an applicant that is not an insured depository institution also must have mortgage-related assets that reflect a commitment to housing finance, as determined by the Bank in its discretion., (d) Ineligibility. Except as provided in paragraph (e) of this section, an institution that does not satisfy the requirements of this part shall be ineligible for membership., (e) Treatment of captives previously admitted to membership. A Bank that admitted one or more captives to membership prior to February 19, 2016 shall wind down its relationship with, and terminate the membership of, each of those captives as provided in this paragraph (e)., (1) Captives admitted prior to September 12, 2014. - (i) A Bank shall have until February 19, 2021 to wind down its business transactions with any captive that it had admitted to membership prior to September 12, 2014, notwithstanding the captive's ineligibility for Bank membership. The Bank may make or renew an advance to such a captive only if:, (A) After making or renewing the advance, its total outstanding advances to that captive would not exceed 40 percent of the captive's total assets; and, (B) The new or renewed advance has a maturity date no later than February 19, 2021., (ii) A Bank shall terminate the membership of any captive described in paragraph (e)(1)(i) of this section no later than February 19, 2021, as provided under \u00a7 1263.27. After termination, the Bank shall require the liquidation of any outstanding indebtedness owed by, and the settlement of all other outstanding business transactions with, such terminated captive, and shall redeem or repurchase the Bank stock owned by the captive in accordance with \u00a7 1263.29; provided that the Bank may allow the captive to repay any outstanding advance made or last renewed in accordance with the applicable requirements then in effect and having a maturity date later than its date of termination in accordance with its terms and delay the repurchase of any Bank stock held in support of that advance until after the advance has been repaid, in accordance with the Bank's capital plan., (2) Captives admitted on or after September 12, 2014. - (i) A Bank shall have until February 19, 2017 to wind down its business transactions with any captive that it had admitted to membership on or after September 12, 2014, notwithstanding the captive's ineligibility for Bank membership. The Bank shall not make or renew any advance to such a captive., (ii) A Bank shall terminate the membership of any captive described in paragraph (e)(2)(i) of this section no later than February 19, 2017, as provided under \u00a7 1263.27. Upon termination, the Bank shall require the liquidation of any outstanding indebtedness owed by, and the settlement of all other outstanding business transactions with, such terminated captive, and shall redeem or repurchase the Bank stock owned by the captive in accordance with \u00a7 1263.29; provided that all advances outstanding to that member must be repaid in full by the termination date.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1263"],"part_title":["PART 1263 - MEMBERS OF THE BANKS"],"section":["1263.6"],"section_title":["\u00a7 1263.6 General eligibility requirements."]},"_input_hash":1098988383,"_task_hash":-256113672,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711827623,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) General. This subpart governs how a mutual holding company may convert from the mutual to the stock form of ownership. This subpart supersedes all inconsistent charter and bylaw provisions of mutual holding companies converting to stock form., (b) Prescribed forms. A mutual holding company must use the forms prescribed under this subpart and provide such information as the Board may require under the forms by regulation or otherwise. The forms required under this subpart include: Form AC (Application for Conversion); Form PS (Proxy Statement); Form OC (Offering Circular); and Form OF (Order Form)., (c) Waivers. The Board may waive any requirement of this subpart or a provision in any prescribed form. To obtain a waiver, a mutual holding company must file a written request with the Board that:, (1) Specifies the requirement(s) or provision(s) that the mutual holding company wants the Board to waive;, (2) Demonstrates that the waiver is equitable; is not detrimental to the mutual holding company, mutual members, or other mutual holding companies or savings associations; and is not contrary to the public interest; and, (3) Includes an opinion of counsel demonstrating that applicable law does not conflict with the waiver of the requirement or provision.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["239"],"part_title":["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"],"section":["239.50"],"section_title":["\u00a7 239.50 Purpose and scope."]},"_input_hash":-1959593977,"_task_hash":-841957101,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843649,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"tyler\""],"versions":[{"text":"(a) General. This subpart governs how a mutual holding company may convert from the mutual to the stock form of ownership. This subpart supersedes all inconsistent charter and bylaw provisions of mutual holding companies converting to stock form., (b) Prescribed forms. A mutual holding company must use the forms prescribed under this subpart and provide such information as the Board may require under the forms by regulation or otherwise. The forms required under this subpart include: Form AC (Application for Conversion); Form PS (Proxy Statement); Form OC (Offering Circular); and Form OF (Order Form)., (c) Waivers. The Board may waive any requirement of this subpart or a provision in any prescribed form. To obtain a waiver, a mutual holding company must file a written request with the Board that:, (1) Specifies the requirement(s) or provision(s) that the mutual holding company wants the Board to waive;, (2) Demonstrates that the waiver is equitable; is not detrimental to the mutual holding company, mutual members, or other mutual holding companies or savings associations; and is not contrary to the public interest; and, (3) Includes an opinion of counsel demonstrating that applicable law does not conflict with the waiver of the requirement or provision.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["239"],"part_title":["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"],"section":["239.50"],"section_title":["\u00a7 239.50 Purpose and scope."]},"_input_hash":-1959593977,"_task_hash":-1556124014,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711811682,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"(a) General. This subpart governs how a mutual holding company may convert from the mutual to the stock form of ownership. This subpart supersedes all inconsistent charter and bylaw provisions of mutual holding companies converting to stock form., (b) Prescribed forms. A mutual holding company must use the forms prescribed under this subpart and provide such information as the Board may require under the forms by regulation or otherwise. The forms required under this subpart include: Form AC (Application for Conversion); Form PS (Proxy Statement); Form OC (Offering Circular); and Form OF (Order Form)., (c) Waivers. The Board may waive any requirement of this subpart or a provision in any prescribed form. To obtain a waiver, a mutual holding company must file a written request with the Board that:, (1) Specifies the requirement(s) or provision(s) that the mutual holding company wants the Board to waive;, (2) Demonstrates that the waiver is equitable; is not detrimental to the mutual holding company, mutual members, or other mutual holding companies or savings associations; and is not contrary to the public interest; and, (3) Includes an opinion of counsel demonstrating that applicable law does not conflict with the waiver of the requirement or provision.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["239"],"part_title":["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"],"section":["239.50"],"section_title":["\u00a7 239.50 Purpose and scope."]},"_input_hash":-1959593977,"_task_hash":-841957101,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711818528,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) FDIC shall process suspension and exclusion actions as informally as practicable, consistent with its policy of providing contractors with adequate information on the grounds that give rise to the proposed action and affording contractors with a reasonable opportunity to respond. , (b) For purposes of determining filing dates for the pleadings required by this part, including responses, notices of appeal, appeals and requests for reconsideration, the provisions relating to the construction of time limits in 12 CFR 308.12 will control. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["367"],"part_title":["PART 367 - SUSPENSION AND EXCLUSION OF CONTRACTOR AND TERMINATION OF CONTRACTS"],"section":["367.12"],"section_title":["\u00a7 367.12 Procedures."]},"_input_hash":820971939,"_task_hash":2074488978,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843650,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"(a) FDIC shall process suspension and exclusion actions as informally as practicable, consistent with its policy of providing contractors with adequate information on the grounds that give rise to the proposed action and affording contractors with a reasonable opportunity to respond. , (b) For purposes of determining filing dates for the pleadings required by this part, including responses, notices of appeal, appeals and requests for reconsideration, the provisions relating to the construction of time limits in 12 CFR 308.12 will control. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["367"],"part_title":["PART 367 - SUSPENSION AND EXCLUSION OF CONTRACTOR AND TERMINATION OF CONTRACTS"],"section":["367.12"],"section_title":["\u00a7 367.12 Procedures."]},"_input_hash":820971939,"_task_hash":2074488978,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711811780,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"(a) FDIC shall process suspension and exclusion actions as informally as practicable, consistent with its policy of providing contractors with adequate information on the grounds that give rise to the proposed action and affording contractors with a reasonable opportunity to respond. , (b) For purposes of determining filing dates for the pleadings required by this part, including responses, notices of appeal, appeals and requests for reconsideration, the provisions relating to the construction of time limits in 12 CFR 308.12 will control. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["367"],"part_title":["PART 367 - SUSPENSION AND EXCLUSION OF CONTRACTOR AND TERMINATION OF CONTRACTS"],"section":["367.12"],"section_title":["\u00a7 367.12 Procedures."]},"_input_hash":820971939,"_task_hash":1946607183,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711818632,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"The board of directors of the merging federal credit union must certify the results of the membership vote to the Regional Director within 10 days after the vote is taken. The certification must include the total number of members of record of the credit union, the number who voted on the merger, the number who voted in favor, and the number who voted against. If the continuing credit union is non-federally insured, the merging credit union must use the certification form in subpart C of this part unless the Regional Director approves the use of a different form.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["708b"],"part_title":["PART 708b - MERGERS OF INSURED CREDIT UNIONS INTO OTHER CREDIT UNIONS; VOLUNTARY TERMINATION OR CONVERSION OF INSURED STATUS"],"section":["708b.107"],"section_title":["\u00a7 708b.107 Certification of vote on merger proposal."]},"_input_hash":-42138224,"_task_hash":-1087593865,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843655,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"The board of directors of the merging federal credit union must certify the results of the membership vote to the Regional Director within 10 days after the vote is taken. The certification must include the total number of members of record of the credit union, the number who voted on the merger, the number who voted in favor, and the number who voted against. If the continuing credit union is non-federally insured, the merging credit union must use the certification form in subpart C of this part unless the Regional Director approves the use of a different form.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["708b"],"part_title":["PART 708b - MERGERS OF INSURED CREDIT UNIONS INTO OTHER CREDIT UNIONS; VOLUNTARY TERMINATION OR CONVERSION OF INSURED STATUS"],"section":["708b.107"],"section_title":["\u00a7 708b.107 Certification of vote on merger proposal."]},"_input_hash":-42138224,"_task_hash":-1087593865,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711811845,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"The board of directors of the merging federal credit union must certify the results of the membership vote to the Regional Director within 10 days after the vote is taken. The certification must include the total number of members of record of the credit union, the number who voted on the merger, the number who voted in favor, and the number who voted against. If the continuing credit union is non-federally insured, the merging credit union must use the certification form in subpart C of this part unless the Regional Director approves the use of a different form.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["708b"],"part_title":["PART 708b - MERGERS OF INSURED CREDIT UNIONS INTO OTHER CREDIT UNIONS; VOLUNTARY TERMINATION OR CONVERSION OF INSURED STATUS"],"section":["708b.107"],"section_title":["\u00a7 708b.107 Certification of vote on merger proposal."]},"_input_hash":-42138224,"_task_hash":1789120679,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711827654,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Agenda. The Chairman is responsible for the final order of each meeting agenda. Items shall be placed on the agenda by determination of the Chairman or, at the request of any Board Member, an item will be placed on the agenda of the next regularly scheduled meeting provided that the request is submitted at least ten days in advance of the next regularly scheduled meeting and is accompanied by an NCUA B-1 form and a Board Action Memorandum that states the specific issue(s) or action(s) to be considered by the Board., (b) Submission of recommended agenda items. Recommended agenda items may be submitted to the Secretary of the Board by Board members, the Executive Staff (which includes all Office Directors and President of the Central Liquidity Facility), and Regional Directors. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["791"],"part_title":["PART 791 - RULES OF NCUA BOARD PROCEDURE; PROMULGATION OF NCUA RULES AND REGULATIONS; PUBLIC OBSERVATION OF NCUA BOARD MEETINGS"],"section":["791.6"],"section_title":["\u00a7 791.6 Subject matter of a meeting."]},"_input_hash":-874096338,"_task_hash":1810149457,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813146,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Agenda. The Chairman is responsible for the final order of each meeting agenda. Items shall be placed on the agenda by determination of the Chairman or, at the request of any Board Member, an item will be placed on the agenda of the next regularly scheduled meeting provided that the request is submitted at least ten days in advance of the next regularly scheduled meeting and is accompanied by an NCUA B-1 form and a Board Action Memorandum that states the specific issue(s) or action(s) to be considered by the Board., (b) Submission of recommended agenda items. Recommended agenda items may be submitted to the Secretary of the Board by Board members, the Executive Staff (which includes all Office Directors and President of the Central Liquidity Facility), and Regional Directors. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["791"],"part_title":["PART 791 - RULES OF NCUA BOARD PROCEDURE; PROMULGATION OF NCUA RULES AND REGULATIONS; PUBLIC OBSERVATION OF NCUA BOARD MEETINGS"],"section":["791.6"],"section_title":["\u00a7 791.6 Subject matter of a meeting."]},"_input_hash":-874096338,"_task_hash":1810149457,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813146,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) Under \u00a7 204.2(a)(1)(vii)(A), there is an exemption from Regulation D for member bank obligations in nondeposit form to another bank. To assure the effectiveness of the limitations on persons who sell Federal funds to depository institutions, Regulation D applies to nondocumentary obligations undertaken by a depository institution to obtain funds for use in its banking business, as well as to documentary obligations. Under \u00a7 204.2(a)(1)(vii) of Regulation D, a depository institution's liability under informal arrangements as well as those formally embodied in a document are within the coverage of Regulation D. , (b) The exemption in \u00a7 204.2(a)(1)(vii)(A) applies to obligations owed by a depository institution to a domestic office of any entity listed in that section (the exempt institutions). The exempt institutions explicitly include another depository institution, foreign bank, Edge or agreement corporation, New York Investment (article XII) Company, the Export-Import Bank of the United States, Minbanc Capital Corp., and certain other credit sources. The term exempt institutions also includes subsidiaries of depository institutions:, (1) That engage in businesses in which their parents are authorized to engage; or , (2) The stock of which by statute is explicitly eligible for purchase by national banks. , (c) To assure that this exemption for liabilities to exempt institutions is not used as a means by which nondepository institutions may arrange through an exempt institution to sell Federal funds to a depository institution, obligations within the exemption must be issued to an exempt institution for its own account. In view of this requirement, a depository institution that purchases Federal funds should ascertain the character (not necessarily the identity) of the actual seller in order to justify classification of its liability on the transaction as Federal funds purchased rather than as a deposit. Any exempt institution that has given general assurance to the purchasing depository institution that sales by it of Federal funds ordinarily will be for its own account and thereafter executes such transactions for the account of others, should disclose the nature of the actual lender with respect to each such transaction. If it fails to do so, the depository institution would be deemed by the Board as indirectly violating section 19 of the Federal Reserve Act and Regulation D. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["204"],"part_title":["PART 204 - RESERVE REQUIREMENTS OF DEPOSITORY INSTITUTIONS (REGULATION D)"],"section":["204.126"],"section_title":["\u00a7 204.126 Depository institution participation in \u201cFederal funds\u201d market."]},"_input_hash":-1159675779,"_task_hash":1508336303,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843657,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Under \u00a7 204.2(a)(1)(vii)(A), there is an exemption from Regulation D for member bank obligations in nondeposit form to another bank. To assure the effectiveness of the limitations on persons who sell Federal funds to depository institutions, Regulation D applies to nondocumentary obligations undertaken by a depository institution to obtain funds for use in its banking business, as well as to documentary obligations. Under \u00a7 204.2(a)(1)(vii) of Regulation D, a depository institution's liability under informal arrangements as well as those formally embodied in a document are within the coverage of Regulation D. , (b) The exemption in \u00a7 204.2(a)(1)(vii)(A) applies to obligations owed by a depository institution to a domestic office of any entity listed in that section (the exempt institutions). The exempt institutions explicitly include another depository institution, foreign bank, Edge or agreement corporation, New York Investment (article XII) Company, the Export-Import Bank of the United States, Minbanc Capital Corp., and certain other credit sources. The term exempt institutions also includes subsidiaries of depository institutions:, (1) That engage in businesses in which their parents are authorized to engage; or , (2) The stock of which by statute is explicitly eligible for purchase by national banks. , (c) To assure that this exemption for liabilities to exempt institutions is not used as a means by which nondepository institutions may arrange through an exempt institution to sell Federal funds to a depository institution, obligations within the exemption must be issued to an exempt institution for its own account. In view of this requirement, a depository institution that purchases Federal funds should ascertain the character (not necessarily the identity) of the actual seller in order to justify classification of its liability on the transaction as Federal funds purchased rather than as a deposit. Any exempt institution that has given general assurance to the purchasing depository institution that sales by it of Federal funds ordinarily will be for its own account and thereafter executes such transactions for the account of others, should disclose the nature of the actual lender with respect to each such transaction. If it fails to do so, the depository institution would be deemed by the Board as indirectly violating section 19 of the Federal Reserve Act and Regulation D. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["204"],"part_title":["PART 204 - RESERVE REQUIREMENTS OF DEPOSITORY INSTITUTIONS (REGULATION D)"],"section":["204.126"],"section_title":["\u00a7 204.126 Depository institution participation in \u201cFederal funds\u201d market."]},"_input_hash":-1159675779,"_task_hash":1508336303,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711811863,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Under \u00a7 204.2(a)(1)(vii)(A), there is an exemption from Regulation D for member bank obligations in nondeposit form to another bank. To assure the effectiveness of the limitations on persons who sell Federal funds to depository institutions, Regulation D applies to nondocumentary obligations undertaken by a depository institution to obtain funds for use in its banking business, as well as to documentary obligations. Under \u00a7 204.2(a)(1)(vii) of Regulation D, a depository institution's liability under informal arrangements as well as those formally embodied in a document are within the coverage of Regulation D. , (b) The exemption in \u00a7 204.2(a)(1)(vii)(A) applies to obligations owed by a depository institution to a domestic office of any entity listed in that section (the exempt institutions). The exempt institutions explicitly include another depository institution, foreign bank, Edge or agreement corporation, New York Investment (article XII) Company, the Export-Import Bank of the United States, Minbanc Capital Corp., and certain other credit sources. The term exempt institutions also includes subsidiaries of depository institutions:, (1) That engage in businesses in which their parents are authorized to engage; or , (2) The stock of which by statute is explicitly eligible for purchase by national banks. , (c) To assure that this exemption for liabilities to exempt institutions is not used as a means by which nondepository institutions may arrange through an exempt institution to sell Federal funds to a depository institution, obligations within the exemption must be issued to an exempt institution for its own account. In view of this requirement, a depository institution that purchases Federal funds should ascertain the character (not necessarily the identity) of the actual seller in order to justify classification of its liability on the transaction as Federal funds purchased rather than as a deposit. Any exempt institution that has given general assurance to the purchasing depository institution that sales by it of Federal funds ordinarily will be for its own account and thereafter executes such transactions for the account of others, should disclose the nature of the actual lender with respect to each such transaction. If it fails to do so, the depository institution would be deemed by the Board as indirectly violating section 19 of the Federal Reserve Act and Regulation D. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["204"],"part_title":["PART 204 - RESERVE REQUIREMENTS OF DEPOSITORY INSTITUTIONS (REGULATION D)"],"section":["204.126"],"section_title":["\u00a7 204.126 Depository institution participation in \u201cFederal funds\u201d market."]},"_input_hash":-1159675779,"_task_hash":-1630540064,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711827745,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Pre-filing meeting and consultation. (1) The mutual holding company's board, or a subcommittee of the board, may meet with the staff of the appropriate Reserve Bank or Board staff before the mutual holding company's board of directors votes on the plan of conversion. At that meeting the mutual holding company may provide the Reserve Bank or Board staff with a written strategic plan that outlines the objectives of the proposed conversion and the intended use of the conversion proceeds., (2) The mutual holding company should also consult with the Board or appropriate Reserve Bank before it files its application for conversion. The Reserve Bank or Board will discuss the information that the mutual holding company must include in the application for conversion, general issues that the mutual holding company may confront in the conversion process, and any other pertinent issues., (b) Business plan. (1) Prior to filing an application for conversion, the mutual holding company must adopt a business plan reflecting the mutual holding company's intended plans for deployment of the proposed conversion proceeds. The business plan is required, under \u00a7 239.55(b), to be included in the mutual holding company's conversion application. At a minimum, the business plan must address:, (i) The subsidiary savings association's projected operations and activities for three years following the conversion. The business plan must describe how the conversion proceeds will be deployed at the savings association (and holding company, if applicable), what opportunities are available to reasonably achieve the planned deployment of conversion proceeds in the relevant proposed market areas, and how its deployment will provide a reasonable return on investment commensurate with investment risk, investor expectations, and industry norms, by the final year of the business plan. The business plan must include three years of projected financial statements. The business plan must provide that the subsidiary savings associations receive at least 50 percent of the net conversion proceeds. The Board may require that a larger percentage of proceeds be contributed to the subsidiary savings associations., (ii) The mutual holding company's plan for deploying conversion proceeds to meet credit and lending needs in the proposed market areas. The Board strongly discourages business plans that provide for a substantial investment in mortgage securities or other securities, except as an interim measure to facilitate orderly, prudent deployment of proceeds during the three years following the conversion, or as part of a properly managed leverage strategy., (iii) The risks associated with the plan for deployment of conversion proceeds, and the effect of this plan on management resources, staffing, and facilities., (iv) The expertise of the mutual holding company and saving association subsidiary's management and board of directors, or that the mutual holding company has planned for adequate staffing and controls to prudently manage the growth, expansion, new investment, and other operations and activities proposed in its business plan., (2) The mutual holding company may not project returns of capital or special dividends in any part of the business plan. A newly converted company may not plan on stock repurchases in the first year of the business plan., (c) Management and board review of business plan. (1) The chief executive officer and members of the board of directors of the mutual holding company must review, and at least two-thirds of the board of directors must approve, the business plan., (2) The chief executive officer and at least two-thirds of the board of directors of the mutual holding company must certify that the business plan accurately reflects the intended plans for deployment of conversion proceeds, and that any new initiatives reflected in the business plan are reasonably achievable. The mutual holding company must submit these certifications with its business plan, as part of the conversion application under paragraph (b) of this section., (d) Board review of the business plan. (1) The Board will review the business plan to determine whether it demonstrates a safe and sound deployment of conversion proceeds, as part of its review of the conversion application. In making its determination, the Board will consider how the mutual holding company has addressed the applicable factors of paragraph (b) of this section. No single factor will be determinative. The Board will review every case on its merits., (2) The mutual holding company must file its business plan with the appropriate Reserve Bank. The Board or appropriate Reserve Bank may request additional information, if necessary, to support its determination under paragraph (d)(1) of this section. The mutual holding company must file its business plan as a confidential exhibit to the Form AC., (3) If the Board approves the application for conversion and the mutual holding company completes the conversion, the resulting stock holding company must operate within the parameters of the business plan. The Board must approve any material deviation from the business plan in writing prior to such material deviation., (e) Disclosure of business plan. (1) The mutual holding company may discuss information about the conversion with individuals that it authorizes to prepare documents for the conversion., (2) Except as permitted under paragraph (e)(1) of this section, the mutual holding company must keep all information about the conversion confidential until the board of directors adopts the plan of conversion., (3) If the mutual holding company violates this section, the Board may require it to take remedial action. For example, the Board may require the mutual holding company to take any or all of the following actions:, (i) Publicly announce that the mutual holding company is considering a conversion;, (ii) Set an eligibility record date acceptable to the Board;, (iii) Limit the subscription rights of any person who violates or aids in a violation of this section; or, (iv) Take any other action to ensure that the conversion is fair and equitable.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["239"],"part_title":["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"],"section":["239.53"],"section_title":["\u00a7 239.53 Prior to conversion."]},"_input_hash":-322676275,"_task_hash":-1949670982,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843660,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) Pre-filing meeting and consultation. (1) The mutual holding company's board, or a subcommittee of the board, may meet with the staff of the appropriate Reserve Bank or Board staff before the mutual holding company's board of directors votes on the plan of conversion. At that meeting the mutual holding company may provide the Reserve Bank or Board staff with a written strategic plan that outlines the objectives of the proposed conversion and the intended use of the conversion proceeds., (2) The mutual holding company should also consult with the Board or appropriate Reserve Bank before it files its application for conversion. The Reserve Bank or Board will discuss the information that the mutual holding company must include in the application for conversion, general issues that the mutual holding company may confront in the conversion process, and any other pertinent issues., (b) Business plan. (1) Prior to filing an application for conversion, the mutual holding company must adopt a business plan reflecting the mutual holding company's intended plans for deployment of the proposed conversion proceeds. The business plan is required, under \u00a7 239.55(b), to be included in the mutual holding company's conversion application. At a minimum, the business plan must address:, (i) The subsidiary savings association's projected operations and activities for three years following the conversion. The business plan must describe how the conversion proceeds will be deployed at the savings association (and holding company, if applicable), what opportunities are available to reasonably achieve the planned deployment of conversion proceeds in the relevant proposed market areas, and how its deployment will provide a reasonable return on investment commensurate with investment risk, investor expectations, and industry norms, by the final year of the business plan. The business plan must include three years of projected financial statements. The business plan must provide that the subsidiary savings associations receive at least 50 percent of the net conversion proceeds. The Board may require that a larger percentage of proceeds be contributed to the subsidiary savings associations., (ii) The mutual holding company's plan for deploying conversion proceeds to meet credit and lending needs in the proposed market areas. The Board strongly discourages business plans that provide for a substantial investment in mortgage securities or other securities, except as an interim measure to facilitate orderly, prudent deployment of proceeds during the three years following the conversion, or as part of a properly managed leverage strategy., (iii) The risks associated with the plan for deployment of conversion proceeds, and the effect of this plan on management resources, staffing, and facilities., (iv) The expertise of the mutual holding company and saving association subsidiary's management and board of directors, or that the mutual holding company has planned for adequate staffing and controls to prudently manage the growth, expansion, new investment, and other operations and activities proposed in its business plan., (2) The mutual holding company may not project returns of capital or special dividends in any part of the business plan. A newly converted company may not plan on stock repurchases in the first year of the business plan., (c) Management and board review of business plan. (1) The chief executive officer and members of the board of directors of the mutual holding company must review, and at least two-thirds of the board of directors must approve, the business plan., (2) The chief executive officer and at least two-thirds of the board of directors of the mutual holding company must certify that the business plan accurately reflects the intended plans for deployment of conversion proceeds, and that any new initiatives reflected in the business plan are reasonably achievable. The mutual holding company must submit these certifications with its business plan, as part of the conversion application under paragraph (b) of this section., (d) Board review of the business plan. (1) The Board will review the business plan to determine whether it demonstrates a safe and sound deployment of conversion proceeds, as part of its review of the conversion application. In making its determination, the Board will consider how the mutual holding company has addressed the applicable factors of paragraph (b) of this section. No single factor will be determinative. The Board will review every case on its merits., (2) The mutual holding company must file its business plan with the appropriate Reserve Bank. The Board or appropriate Reserve Bank may request additional information, if necessary, to support its determination under paragraph (d)(1) of this section. The mutual holding company must file its business plan as a confidential exhibit to the Form AC., (3) If the Board approves the application for conversion and the mutual holding company completes the conversion, the resulting stock holding company must operate within the parameters of the business plan. The Board must approve any material deviation from the business plan in writing prior to such material deviation., (e) Disclosure of business plan. (1) The mutual holding company may discuss information about the conversion with individuals that it authorizes to prepare documents for the conversion., (2) Except as permitted under paragraph (e)(1) of this section, the mutual holding company must keep all information about the conversion confidential until the board of directors adopts the plan of conversion., (3) If the mutual holding company violates this section, the Board may require it to take remedial action. For example, the Board may require the mutual holding company to take any or all of the following actions:, (i) Publicly announce that the mutual holding company is considering a conversion;, (ii) Set an eligibility record date acceptable to the Board;, (iii) Limit the subscription rights of any person who violates or aids in a violation of this section; or, (iv) Take any other action to ensure that the conversion is fair and equitable.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["239"],"part_title":["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"],"section":["239.53"],"section_title":["\u00a7 239.53 Prior to conversion."]},"_input_hash":-322676275,"_task_hash":-1949670982,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711811896,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) Pre-filing meeting and consultation. (1) The mutual holding company's board, or a subcommittee of the board, may meet with the staff of the appropriate Reserve Bank or Board staff before the mutual holding company's board of directors votes on the plan of conversion. At that meeting the mutual holding company may provide the Reserve Bank or Board staff with a written strategic plan that outlines the objectives of the proposed conversion and the intended use of the conversion proceeds., (2) The mutual holding company should also consult with the Board or appropriate Reserve Bank before it files its application for conversion. The Reserve Bank or Board will discuss the information that the mutual holding company must include in the application for conversion, general issues that the mutual holding company may confront in the conversion process, and any other pertinent issues., (b) Business plan. (1) Prior to filing an application for conversion, the mutual holding company must adopt a business plan reflecting the mutual holding company's intended plans for deployment of the proposed conversion proceeds. The business plan is required, under \u00a7 239.55(b), to be included in the mutual holding company's conversion application. At a minimum, the business plan must address:, (i) The subsidiary savings association's projected operations and activities for three years following the conversion. The business plan must describe how the conversion proceeds will be deployed at the savings association (and holding company, if applicable), what opportunities are available to reasonably achieve the planned deployment of conversion proceeds in the relevant proposed market areas, and how its deployment will provide a reasonable return on investment commensurate with investment risk, investor expectations, and industry norms, by the final year of the business plan. The business plan must include three years of projected financial statements. The business plan must provide that the subsidiary savings associations receive at least 50 percent of the net conversion proceeds. The Board may require that a larger percentage of proceeds be contributed to the subsidiary savings associations., (ii) The mutual holding company's plan for deploying conversion proceeds to meet credit and lending needs in the proposed market areas. The Board strongly discourages business plans that provide for a substantial investment in mortgage securities or other securities, except as an interim measure to facilitate orderly, prudent deployment of proceeds during the three years following the conversion, or as part of a properly managed leverage strategy., (iii) The risks associated with the plan for deployment of conversion proceeds, and the effect of this plan on management resources, staffing, and facilities., (iv) The expertise of the mutual holding company and saving association subsidiary's management and board of directors, or that the mutual holding company has planned for adequate staffing and controls to prudently manage the growth, expansion, new investment, and other operations and activities proposed in its business plan., (2) The mutual holding company may not project returns of capital or special dividends in any part of the business plan. A newly converted company may not plan on stock repurchases in the first year of the business plan., (c) Management and board review of business plan. (1) The chief executive officer and members of the board of directors of the mutual holding company must review, and at least two-thirds of the board of directors must approve, the business plan., (2) The chief executive officer and at least two-thirds of the board of directors of the mutual holding company must certify that the business plan accurately reflects the intended plans for deployment of conversion proceeds, and that any new initiatives reflected in the business plan are reasonably achievable. The mutual holding company must submit these certifications with its business plan, as part of the conversion application under paragraph (b) of this section., (d) Board review of the business plan. (1) The Board will review the business plan to determine whether it demonstrates a safe and sound deployment of conversion proceeds, as part of its review of the conversion application. In making its determination, the Board will consider how the mutual holding company has addressed the applicable factors of paragraph (b) of this section. No single factor will be determinative. The Board will review every case on its merits., (2) The mutual holding company must file its business plan with the appropriate Reserve Bank. The Board or appropriate Reserve Bank may request additional information, if necessary, to support its determination under paragraph (d)(1) of this section. The mutual holding company must file its business plan as a confidential exhibit to the Form AC., (3) If the Board approves the application for conversion and the mutual holding company completes the conversion, the resulting stock holding company must operate within the parameters of the business plan. The Board must approve any material deviation from the business plan in writing prior to such material deviation., (e) Disclosure of business plan. (1) The mutual holding company may discuss information about the conversion with individuals that it authorizes to prepare documents for the conversion., (2) Except as permitted under paragraph (e)(1) of this section, the mutual holding company must keep all information about the conversion confidential until the board of directors adopts the plan of conversion., (3) If the mutual holding company violates this section, the Board may require it to take remedial action. For example, the Board may require the mutual holding company to take any or all of the following actions:, (i) Publicly announce that the mutual holding company is considering a conversion;, (ii) Set an eligibility record date acceptable to the Board;, (iii) Limit the subscription rights of any person who violates or aids in a violation of this section; or, (iv) Take any other action to ensure that the conversion is fair and equitable.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["239"],"part_title":["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"],"section":["239.53"],"section_title":["\u00a7 239.53 Prior to conversion."]},"_input_hash":-322676275,"_task_hash":-1499209384,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711827758,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Any credit union that is insured pursuant to Title II of the Act must adhere to the requirements in \u00a7\u00a7 712.2(d)(2)(ii), 712.3(d), 712.4 and 712.11(b) and (c) of this chapter concerning permissible investment limits for less than adequately capitalized credit unions, agreements between credit unions and their credit union service organizations (CUSOs), the requirement to maintain separate corporate identities, and investments and loans to CUSOs investing in other CUSOs. For purposes of this section, a CUSO is any entity in which a credit union has an ownership interest or to which a credit union has extended a loan, and that entity is engaged primarily in providing products or services to credit unions or credit union members, or, in the case of checking and currency services, including cashing checks and money orders for a fee, and selling negotiable checks, including travelers checks, money orders, and other similar money transfer instruments (including international and domestic electronic fund transfers and remittance transfers, as defined in section 919 of the Electronic Fund Transfer Act, 15 U.S.C. 1693o-1), to persons eligible for membership in any credit union having a loan, investment or contract with the entity. A CUSO also includes any entity in which a CUSO has an ownership interest of any amount, if that entity is engaged primarily in providing products or services to credit unions or credit union members., (b) This section shall have no preemptive effect with respect to the laws or rules of any state providing for access to CUSO books and records or CUSO examination by credit union regulatory authorities.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["741"],"part_title":["PART 741 - REQUIREMENTS FOR INSURANCE"],"section":["741.222"],"section_title":["\u00a7 741.222 Credit union service organizations."]},"_input_hash":630973377,"_task_hash":164847244,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843747,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\""],"versions":[{"text":"(a) Any credit union that is insured pursuant to Title II of the Act must adhere to the requirements in \u00a7\u00a7 712.2(d)(2)(ii), 712.3(d), 712.4 and 712.11(b) and (c) of this chapter concerning permissible investment limits for less than adequately capitalized credit unions, agreements between credit unions and their credit union service organizations (CUSOs), the requirement to maintain separate corporate identities, and investments and loans to CUSOs investing in other CUSOs. For purposes of this section, a CUSO is any entity in which a credit union has an ownership interest or to which a credit union has extended a loan, and that entity is engaged primarily in providing products or services to credit unions or credit union members, or, in the case of checking and currency services, including cashing checks and money orders for a fee, and selling negotiable checks, including travelers checks, money orders, and other similar money transfer instruments (including international and domestic electronic fund transfers and remittance transfers, as defined in section 919 of the Electronic Fund Transfer Act, 15 U.S.C. 1693o-1), to persons eligible for membership in any credit union having a loan, investment or contract with the entity. A CUSO also includes any entity in which a CUSO has an ownership interest of any amount, if that entity is engaged primarily in providing products or services to credit unions or credit union members., (b) This section shall have no preemptive effect with respect to the laws or rules of any state providing for access to CUSO books and records or CUSO examination by credit union regulatory authorities.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["741"],"part_title":["PART 741 - REQUIREMENTS FOR INSURANCE"],"section":["741.222"],"section_title":["\u00a7 741.222 Credit union service organizations."]},"_input_hash":630973377,"_task_hash":164847244,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711811910,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":true},{"text":"(a) Any credit union that is insured pursuant to Title II of the Act must adhere to the requirements in \u00a7\u00a7 712.2(d)(2)(ii), 712.3(d), 712.4 and 712.11(b) and (c) of this chapter concerning permissible investment limits for less than adequately capitalized credit unions, agreements between credit unions and their credit union service organizations (CUSOs), the requirement to maintain separate corporate identities, and investments and loans to CUSOs investing in other CUSOs. For purposes of this section, a CUSO is any entity in which a credit union has an ownership interest or to which a credit union has extended a loan, and that entity is engaged primarily in providing products or services to credit unions or credit union members, or, in the case of checking and currency services, including cashing checks and money orders for a fee, and selling negotiable checks, including travelers checks, money orders, and other similar money transfer instruments (including international and domestic electronic fund transfers and remittance transfers, as defined in section 919 of the Electronic Fund Transfer Act, 15 U.S.C. 1693o-1), to persons eligible for membership in any credit union having a loan, investment or contract with the entity. A CUSO also includes any entity in which a CUSO has an ownership interest of any amount, if that entity is engaged primarily in providing products or services to credit unions or credit union members., (b) This section shall have no preemptive effect with respect to the laws or rules of any state providing for access to CUSO books and records or CUSO examination by credit union regulatory authorities.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["741"],"part_title":["PART 741 - REQUIREMENTS FOR INSURANCE"],"section":["741.222"],"section_title":["\u00a7 741.222 Credit union service organizations."]},"_input_hash":630973377,"_task_hash":-2136234213,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711818871,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) Any credit union that is insured pursuant to Title II of the Act must adhere to the requirements in \u00a7\u00a7 712.2(d)(2)(ii), 712.3(d), 712.4 and 712.11(b) and (c) of this chapter concerning permissible investment limits for less than adequately capitalized credit unions, agreements between credit unions and their credit union service organizations (CUSOs), the requirement to maintain separate corporate identities, and investments and loans to CUSOs investing in other CUSOs. For purposes of this section, a CUSO is any entity in which a credit union has an ownership interest or to which a credit union has extended a loan, and that entity is engaged primarily in providing products or services to credit unions or credit union members, or, in the case of checking and currency services, including cashing checks and money orders for a fee, and selling negotiable checks, including travelers checks, money orders, and other similar money transfer instruments (including international and domestic electronic fund transfers and remittance transfers, as defined in section 919 of the Electronic Fund Transfer Act, 15 U.S.C. 1693o-1), to persons eligible for membership in any credit union having a loan, investment or contract with the entity. A CUSO also includes any entity in which a CUSO has an ownership interest of any amount, if that entity is engaged primarily in providing products or services to credit unions or credit union members., (b) This section shall have no preemptive effect with respect to the laws or rules of any state providing for access to CUSO books and records or CUSO examination by credit union regulatory authorities.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["741"],"part_title":["PART 741 - REQUIREMENTS FOR INSURANCE"],"section":["741.222"],"section_title":["\u00a7 741.222 Credit union service organizations."]},"_input_hash":630973377,"_task_hash":-1096600024,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711827822,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false},{"text":"(a) Any credit union that is insured pursuant to Title II of the Act must adhere to the requirements in \u00a7\u00a7 712.2(d)(2)(ii), 712.3(d), 712.4 and 712.11(b) and (c) of this chapter concerning permissible investment limits for less than adequately capitalized credit unions, agreements between credit unions and their credit union service organizations (CUSOs), the requirement to maintain separate corporate identities, and investments and loans to CUSOs investing in other CUSOs. For purposes of this section, a CUSO is any entity in which a credit union has an ownership interest or to which a credit union has extended a loan, and that entity is engaged primarily in providing products or services to credit unions or credit union members, or, in the case of checking and currency services, including cashing checks and money orders for a fee, and selling negotiable checks, including travelers checks, money orders, and other similar money transfer instruments (including international and domestic electronic fund transfers and remittance transfers, as defined in section 919 of the Electronic Fund Transfer Act, 15 U.S.C. 1693o-1), to persons eligible for membership in any credit union having a loan, investment or contract with the entity. A CUSO also includes any entity in which a CUSO has an ownership interest of any amount, if that entity is engaged primarily in providing products or services to credit unions or credit union members., (b) This section shall have no preemptive effect with respect to the laws or rules of any state providing for access to CUSO books and records or CUSO examination by credit union regulatory authorities.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["741"],"part_title":["PART 741 - REQUIREMENTS FOR INSURANCE"],"section":["741.222"],"section_title":["\u00a7 741.222 Credit union service organizations."]},"_input_hash":630973377,"_task_hash":-116478287,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711834029,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) A bank, acting under the authority provided in this subpart, may not directly or indirectly hold:, (1) Equity interests of any foreign organization that engages in the general business of buying or selling goods, wares, merchandise, or commodities in the United States; or, (2) More than 5 percent of the equity interests of any foreign organization that engages in activities in the United States unless any activities in which the foreign organization engages in the United States are incidental to its international or foreign business., (b) For purposes of this section:, (1) A foreign organization is not engaged in any business or activities in the United States unless it maintains an office in the United States other than a representative office., (2) The following activities are incidental to international or foreign business:, (i) Activities that are permissible for an Edge corporation in the United States under 12 CFR 211.6; or, (ii) Other activities approved by the FDIC. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["347"],"part_title":["PART 347 - INTERNATIONAL BANKING"],"section":["347.113"],"section_title":["\u00a7 347.113 Restrictions applicable to activities by a foreign organization in the United States."]},"_input_hash":-1657194465,"_task_hash":1425672227,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843756,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) A bank, acting under the authority provided in this subpart, may not directly or indirectly hold:, (1) Equity interests of any foreign organization that engages in the general business of buying or selling goods, wares, merchandise, or commodities in the United States; or, (2) More than 5 percent of the equity interests of any foreign organization that engages in activities in the United States unless any activities in which the foreign organization engages in the United States are incidental to its international or foreign business., (b) For purposes of this section:, (1) A foreign organization is not engaged in any business or activities in the United States unless it maintains an office in the United States other than a representative office., (2) The following activities are incidental to international or foreign business:, (i) Activities that are permissible for an Edge corporation in the United States under 12 CFR 211.6; or, (ii) Other activities approved by the FDIC. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["347"],"part_title":["PART 347 - INTERNATIONAL BANKING"],"section":["347.113"],"section_title":["\u00a7 347.113 Restrictions applicable to activities by a foreign organization in the United States."]},"_input_hash":-1657194465,"_task_hash":1425672227,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711811923,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) A bank, acting under the authority provided in this subpart, may not directly or indirectly hold:, (1) Equity interests of any foreign organization that engages in the general business of buying or selling goods, wares, merchandise, or commodities in the United States; or, (2) More than 5 percent of the equity interests of any foreign organization that engages in activities in the United States unless any activities in which the foreign organization engages in the United States are incidental to its international or foreign business., (b) For purposes of this section:, (1) A foreign organization is not engaged in any business or activities in the United States unless it maintains an office in the United States other than a representative office., (2) The following activities are incidental to international or foreign business:, (i) Activities that are permissible for an Edge corporation in the United States under 12 CFR 211.6; or, (ii) Other activities approved by the FDIC. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["347"],"part_title":["PART 347 - INTERNATIONAL BANKING"],"section":["347.113"],"section_title":["\u00a7 347.113 Restrictions applicable to activities by a foreign organization in the United States."]},"_input_hash":-1657194465,"_task_hash":1008033731,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711818898,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Tangible gifts. Board employees must deposit tangible gifts of more than minimal value with the Office of the Secretary within 60 days of acceptance and assist in preparing a statement that contains the following information for each gift:, (1) The name and position of the Board employee;, (2) A brief description of the gift and the circumstances justifying acceptance;, (3) The identity, if known, of the foreign government and the name and position of the individual who presented the gift;, (4) The date of acceptance of the gift;, (5) The estimated value in the United States of the gift at the time of acceptance; and, (6) The disposition or current location of the gift., (b) Travel or travel expenses without prior approval. Board employees who accept a gift of travel or expenses for travel under \u00a7 264b.5(b)(2) without the prior approval of the Administrative Governor must submit a report to the Office of the Secretary within 30 days of acceptance that contains the following information:, (1) The name and position of the Board employee;, (2) A brief description of the gift, including its estimated value, and the circumstances justifying acceptance; and, (3) The identity, if known, of the foreign government and the name and position of the individual who presented the gift., (c) Reports to the Secretary of State. The Office of the Secretary must report the information contained in the statements described in paragraphs (a) and (b) of this section to the Secretary of State, who must publish in the Federal Register not later than January 31 of each year a comprehensive listing of all such statements for gifts of more than minimal value that were received by federal employees during the preceding year.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["264b"],"part_title":["PART 264b - RULES REGARDING FOREIGN GIFTS AND DECORATIONS"],"section":["264b.6"],"section_title":["\u00a7 264b.6 Requirements for gifts of more than minimal value."]},"_input_hash":791229563,"_task_hash":-333853077,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843758,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Tangible gifts. Board employees must deposit tangible gifts of more than minimal value with the Office of the Secretary within 60 days of acceptance and assist in preparing a statement that contains the following information for each gift:, (1) The name and position of the Board employee;, (2) A brief description of the gift and the circumstances justifying acceptance;, (3) The identity, if known, of the foreign government and the name and position of the individual who presented the gift;, (4) The date of acceptance of the gift;, (5) The estimated value in the United States of the gift at the time of acceptance; and, (6) The disposition or current location of the gift., (b) Travel or travel expenses without prior approval. Board employees who accept a gift of travel or expenses for travel under \u00a7 264b.5(b)(2) without the prior approval of the Administrative Governor must submit a report to the Office of the Secretary within 30 days of acceptance that contains the following information:, (1) The name and position of the Board employee;, (2) A brief description of the gift, including its estimated value, and the circumstances justifying acceptance; and, (3) The identity, if known, of the foreign government and the name and position of the individual who presented the gift., (c) Reports to the Secretary of State. The Office of the Secretary must report the information contained in the statements described in paragraphs (a) and (b) of this section to the Secretary of State, who must publish in the Federal Register not later than January 31 of each year a comprehensive listing of all such statements for gifts of more than minimal value that were received by federal employees during the preceding year.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["264b"],"part_title":["PART 264b - RULES REGARDING FOREIGN GIFTS AND DECORATIONS"],"section":["264b.6"],"section_title":["\u00a7 264b.6 Requirements for gifts of more than minimal value."]},"_input_hash":791229563,"_task_hash":-122937447,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711811936,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"(a) Tangible gifts. Board employees must deposit tangible gifts of more than minimal value with the Office of the Secretary within 60 days of acceptance and assist in preparing a statement that contains the following information for each gift:, (1) The name and position of the Board employee;, (2) A brief description of the gift and the circumstances justifying acceptance;, (3) The identity, if known, of the foreign government and the name and position of the individual who presented the gift;, (4) The date of acceptance of the gift;, (5) The estimated value in the United States of the gift at the time of acceptance; and, (6) The disposition or current location of the gift., (b) Travel or travel expenses without prior approval. Board employees who accept a gift of travel or expenses for travel under \u00a7 264b.5(b)(2) without the prior approval of the Administrative Governor must submit a report to the Office of the Secretary within 30 days of acceptance that contains the following information:, (1) The name and position of the Board employee;, (2) A brief description of the gift, including its estimated value, and the circumstances justifying acceptance; and, (3) The identity, if known, of the foreign government and the name and position of the individual who presented the gift., (c) Reports to the Secretary of State. The Office of the Secretary must report the information contained in the statements described in paragraphs (a) and (b) of this section to the Secretary of State, who must publish in the Federal Register not later than January 31 of each year a comprehensive listing of all such statements for gifts of more than minimal value that were received by federal employees during the preceding year.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["264b"],"part_title":["PART 264b - RULES REGARDING FOREIGN GIFTS AND DECORATIONS"],"section":["264b.6"],"section_title":["\u00a7 264b.6 Requirements for gifts of more than minimal value."]},"_input_hash":791229563,"_task_hash":-333853077,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711818976,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"When FCA intends to issue a distressed loan restructuring directive, it will notify the qualified lender in writing. The notice will state: , (a) The reasons FCA intends to issue a distressed loan restructuring directive; , (b) The proposed contents of the distressed loan restructuring directive; and , (c) Any other relevant information. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["617"],"part_title":["PART 617 - BORROWER RIGHTS"],"section":["617.7505"],"section_title":["\u00a7 617.7505 How will the qualified lender know when FCA is considering issuing a distressed loan restructuring directive?"]},"_input_hash":-448037526,"_task_hash":808076913,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843763,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"When FCA intends to issue a distressed loan restructuring directive, it will notify the qualified lender in writing. The notice will state: , (a) The reasons FCA intends to issue a distressed loan restructuring directive; , (b) The proposed contents of the distressed loan restructuring directive; and , (c) Any other relevant information. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["617"],"part_title":["PART 617 - BORROWER RIGHTS"],"section":["617.7505"],"section_title":["\u00a7 617.7505 How will the qualified lender know when FCA is considering issuing a distressed loan restructuring directive?"]},"_input_hash":-448037526,"_task_hash":808076913,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711811948,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"When FCA intends to issue a distressed loan restructuring directive, it will notify the qualified lender in writing. The notice will state: , (a) The reasons FCA intends to issue a distressed loan restructuring directive; , (b) The proposed contents of the distressed loan restructuring directive; and , (c) Any other relevant information. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["617"],"part_title":["PART 617 - BORROWER RIGHTS"],"section":["617.7505"],"section_title":["\u00a7 617.7505 How will the qualified lender know when FCA is considering issuing a distressed loan restructuring directive?"]},"_input_hash":-448037526,"_task_hash":237424123,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711818992,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"When FCA intends to issue a distressed loan restructuring directive, it will notify the qualified lender in writing. The notice will state: , (a) The reasons FCA intends to issue a distressed loan restructuring directive; , (b) The proposed contents of the distressed loan restructuring directive; and , (c) Any other relevant information. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["617"],"part_title":["PART 617 - BORROWER RIGHTS"],"section":["617.7505"],"section_title":["\u00a7 617.7505 How will the qualified lender know when FCA is considering issuing a distressed loan restructuring directive?"]},"_input_hash":-448037526,"_task_hash":-1566628258,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711834137,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) If a Farm Credit Bank or agricultural credit bank forgives and writes off, under \u00a7 617.7415 of this chapter, any of the principal outstanding on a loan made to any borrower, where appropriate the Federal land bank association of which the borrower is a member and stockholder shall cancel the same dollar amount of borrower stock held by the borrower in respect of the loan, up to the total amount of such stock, and to the extent provided for in the bylaws of the Bank relating to its capitalization, the Farm Credit Bank or agricultural credit bank shall retire an equal amount of stock owned by the Federal land bank association., (b) If an association forgives and writes off, under \u00a7 617.7415 of this chapter, any of the principal outstanding on a loan made to any borrower, the association shall cancel the same dollar amount of borrower stock held by the borrower in respect of the loan, up to the total amount of such loan., (c) Notwithstanding paragraphs (a) and (b) of this section, the borrower shall be entitled to retain at least one share of stock to maintain the borrower's membership and voting interest. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["615"],"part_title":["PART 615 - FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS"],"section":["615.5290"],"section_title":["\u00a7 615.5290 Retirement of capital stock and participation certificates in event of restructuring."]},"_input_hash":-1310443256,"_task_hash":225250542,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843766,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"versions":[{"text":"(a) If a Farm Credit Bank or agricultural credit bank forgives and writes off, under \u00a7 617.7415 of this chapter, any of the principal outstanding on a loan made to any borrower, where appropriate the Federal land bank association of which the borrower is a member and stockholder shall cancel the same dollar amount of borrower stock held by the borrower in respect of the loan, up to the total amount of such stock, and to the extent provided for in the bylaws of the Bank relating to its capitalization, the Farm Credit Bank or agricultural credit bank shall retire an equal amount of stock owned by the Federal land bank association., (b) If an association forgives and writes off, under \u00a7 617.7415 of this chapter, any of the principal outstanding on a loan made to any borrower, the association shall cancel the same dollar amount of borrower stock held by the borrower in respect of the loan, up to the total amount of such loan., (c) Notwithstanding paragraphs (a) and (b) of this section, the borrower shall be entitled to retain at least one share of stock to maintain the borrower's membership and voting interest. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["615"],"part_title":["PART 615 - FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS"],"section":["615.5290"],"section_title":["\u00a7 615.5290 Retirement of capital stock and participation certificates in event of restructuring."]},"_input_hash":-1310443256,"_task_hash":1644501077,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711811961,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"(a) If a Farm Credit Bank or agricultural credit bank forgives and writes off, under \u00a7 617.7415 of this chapter, any of the principal outstanding on a loan made to any borrower, where appropriate the Federal land bank association of which the borrower is a member and stockholder shall cancel the same dollar amount of borrower stock held by the borrower in respect of the loan, up to the total amount of such stock, and to the extent provided for in the bylaws of the Bank relating to its capitalization, the Farm Credit Bank or agricultural credit bank shall retire an equal amount of stock owned by the Federal land bank association., (b) If an association forgives and writes off, under \u00a7 617.7415 of this chapter, any of the principal outstanding on a loan made to any borrower, the association shall cancel the same dollar amount of borrower stock held by the borrower in respect of the loan, up to the total amount of such loan., (c) Notwithstanding paragraphs (a) and (b) of this section, the borrower shall be entitled to retain at least one share of stock to maintain the borrower's membership and voting interest. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["615"],"part_title":["PART 615 - FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS"],"section":["615.5290"],"section_title":["\u00a7 615.5290 Retirement of capital stock and participation certificates in event of restructuring."]},"_input_hash":-1310443256,"_task_hash":225250542,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711819028,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"default":true},{"text":"(a) If a Farm Credit Bank or agricultural credit bank forgives and writes off, under \u00a7 617.7415 of this chapter, any of the principal outstanding on a loan made to any borrower, where appropriate the Federal land bank association of which the borrower is a member and stockholder shall cancel the same dollar amount of borrower stock held by the borrower in respect of the loan, up to the total amount of such stock, and to the extent provided for in the bylaws of the Bank relating to its capitalization, the Farm Credit Bank or agricultural credit bank shall retire an equal amount of stock owned by the Federal land bank association., (b) If an association forgives and writes off, under \u00a7 617.7415 of this chapter, any of the principal outstanding on a loan made to any borrower, the association shall cancel the same dollar amount of borrower stock held by the borrower in respect of the loan, up to the total amount of such loan., (c) Notwithstanding paragraphs (a) and (b) of this section, the borrower shall be entitled to retain at least one share of stock to maintain the borrower's membership and voting interest. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["615"],"part_title":["PART 615 - FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS"],"section":["615.5290"],"section_title":["\u00a7 615.5290 Retirement of capital stock and participation certificates in event of restructuring."]},"_input_hash":-1310443256,"_task_hash":-2073508418,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711827989,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) The Director may collect a claim from a person by administrative offset of monies payable by the Government only after:, (1) Providing the debtor with due process required under this part; and, (2) Providing the paying agency with written certification that the debtor owes the debt in the amount stated and that the FDIC, as creditor agency, has complied with this part., (b) Prior to initiating collection by administrative offset, the Director should determine that the proposed offset is within the scope of this remedy, as set forth in 31 CFR 901.3(a). Administrative offset under 31 U.S.C. 3716 may not be used to collect debts more than 10 years after the federal government's right to collect the debt first accrued, except as otherwise provided by law. In addition, administrative offset may not be used when a statute explicitly prohibits its use to collect the claim or type of claim involved., (c) Unless otherwise provided, debts or payments not subject to administrative offset under 31 U.S.C. 3716 may be collected by administrative offset under common law, or any other applicable statutory authority.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["313"],"part_title":["PART 313 - PROCEDURES FOR COLLECTION OF CORPORATE DEBT, CRIMINAL RESTITUTION DEBT, AND CIVIL MONEY PENALTY DEBT"],"section":["313.22"],"section_title":["\u00a7 313.22 Collection."]},"_input_hash":-1231794950,"_task_hash":1896371537,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843768,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"(a) The Director may collect a claim from a person by administrative offset of monies payable by the Government only after:, (1) Providing the debtor with due process required under this part; and, (2) Providing the paying agency with written certification that the debtor owes the debt in the amount stated and that the FDIC, as creditor agency, has complied with this part., (b) Prior to initiating collection by administrative offset, the Director should determine that the proposed offset is within the scope of this remedy, as set forth in 31 CFR 901.3(a). Administrative offset under 31 U.S.C. 3716 may not be used to collect debts more than 10 years after the federal government's right to collect the debt first accrued, except as otherwise provided by law. In addition, administrative offset may not be used when a statute explicitly prohibits its use to collect the claim or type of claim involved., (c) Unless otherwise provided, debts or payments not subject to administrative offset under 31 U.S.C. 3716 may be collected by administrative offset under common law, or any other applicable statutory authority.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["313"],"part_title":["PART 313 - PROCEDURES FOR COLLECTION OF CORPORATE DEBT, CRIMINAL RESTITUTION DEBT, AND CIVIL MONEY PENALTY DEBT"],"section":["313.22"],"section_title":["\u00a7 313.22 Collection."]},"_input_hash":-1231794950,"_task_hash":1896371537,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711812014,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"(a) The Director may collect a claim from a person by administrative offset of monies payable by the Government only after:, (1) Providing the debtor with due process required under this part; and, (2) Providing the paying agency with written certification that the debtor owes the debt in the amount stated and that the FDIC, as creditor agency, has complied with this part., (b) Prior to initiating collection by administrative offset, the Director should determine that the proposed offset is within the scope of this remedy, as set forth in 31 CFR 901.3(a). Administrative offset under 31 U.S.C. 3716 may not be used to collect debts more than 10 years after the federal government's right to collect the debt first accrued, except as otherwise provided by law. In addition, administrative offset may not be used when a statute explicitly prohibits its use to collect the claim or type of claim involved., (c) Unless otherwise provided, debts or payments not subject to administrative offset under 31 U.S.C. 3716 may be collected by administrative offset under common law, or any other applicable statutory authority.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["313"],"part_title":["PART 313 - PROCEDURES FOR COLLECTION OF CORPORATE DEBT, CRIMINAL RESTITUTION DEBT, AND CIVIL MONEY PENALTY DEBT"],"section":["313.22"],"section_title":["\u00a7 313.22 Collection."]},"_input_hash":-1231794950,"_task_hash":-708540154,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711819129,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) The Director may collect a claim from a person by administrative offset of monies payable by the Government only after:, (1) Providing the debtor with due process required under this part; and, (2) Providing the paying agency with written certification that the debtor owes the debt in the amount stated and that the FDIC, as creditor agency, has complied with this part., (b) Prior to initiating collection by administrative offset, the Director should determine that the proposed offset is within the scope of this remedy, as set forth in 31 CFR 901.3(a). Administrative offset under 31 U.S.C. 3716 may not be used to collect debts more than 10 years after the federal government's right to collect the debt first accrued, except as otherwise provided by law. In addition, administrative offset may not be used when a statute explicitly prohibits its use to collect the claim or type of claim involved., (c) Unless otherwise provided, debts or payments not subject to administrative offset under 31 U.S.C. 3716 may be collected by administrative offset under common law, or any other applicable statutory authority.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["313"],"part_title":["PART 313 - PROCEDURES FOR COLLECTION OF CORPORATE DEBT, CRIMINAL RESTITUTION DEBT, AND CIVIL MONEY PENALTY DEBT"],"section":["313.22"],"section_title":["\u00a7 313.22 Collection."]},"_input_hash":-1231794950,"_task_hash":1865798372,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711834297,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"An Unincorporated Business Entity means a Limited Partnership (LP), Limited Liability Partnership (LLP), Limited Liability Limited Partnership (LLLP), Limited Liability Company (LLC), Business or other Trust Entity (TE), or other business entity established and maintained under State law that is not incorporated under any law or chartered under Federal law.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["619"],"part_title":["PART 619 - DEFINITIONS"],"section":["619.9338"],"section_title":["\u00a7 619.9338 Unincorporated business entities."]},"_input_hash":-462007585,"_task_hash":819056508,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843769,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"An Unincorporated Business Entity means a Limited Partnership (LP), Limited Liability Partnership (LLP), Limited Liability Limited Partnership (LLLP), Limited Liability Company (LLC), Business or other Trust Entity (TE), or other business entity established and maintained under State law that is not incorporated under any law or chartered under Federal law.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["619"],"part_title":["PART 619 - DEFINITIONS"],"section":["619.9338"],"section_title":["\u00a7 619.9338 Unincorporated business entities."]},"_input_hash":-462007585,"_task_hash":819056508,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711812029,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"An Unincorporated Business Entity means a Limited Partnership (LP), Limited Liability Partnership (LLP), Limited Liability Limited Partnership (LLLP), Limited Liability Company (LLC), Business or other Trust Entity (TE), or other business entity established and maintained under State law that is not incorporated under any law or chartered under Federal law.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["619"],"part_title":["PART 619 - DEFINITIONS"],"section":["619.9338"],"section_title":["\u00a7 619.9338 Unincorporated business entities."]},"_input_hash":-462007585,"_task_hash":-682261848,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711819204,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false}],"view_id":"choice"}
+{"text":"(a) For purposes of calculating its liquidity coverage ratio and the components thereof under this subpart, an FDIC-supervised institution shall assume an asset or transaction matures:, (1) With respect to an instrument or transaction subject to \u00a7 329.32, on the earliest possible contractual maturity date or the earliest possible date the transaction could occur, taking into account any option that could accelerate the maturity date or the date of the transaction, except that when considering the earliest possible contractual maturity date or the earliest possible date the transaction could occur, the FDIC-supervised institution should exclude any contingent options that are triggered only by regulatory actions or changes in law or regulation, as follows:, (i) If an investor or funds provider has an option that would reduce the maturity, the FDIC-supervised institution must assume that the investor or funds provider will exercise the option at the earliest possible date;, (ii) If an investor or funds provider has an option that would extend the maturity, the FDIC-supervised institution must assume that the investor or funds provider will not exercise the option to extend the maturity;, (iii) If the FDIC-supervised institution has an option that would reduce the maturity of an obligation, the FDIC-supervised institution must assume that the FDIC-supervised institution will exercise the option at the earliest possible date, except if either of the following criteria are satisfied, in which case the maturity of the obligation for purposes of this part will be the original maturity date at issuance:, (A) The original maturity of the obligation is greater than one year and the option does not go into effect for a period of 180 days following the issuance of the instrument; or, (B) The counterparty is a sovereign entity, a U.S. government-sponsored enterprise, or a public sector entity., (iv) If the FDIC-supervised institution has an option that would extend the maturity of an obligation it issued, the FDIC-supervised institution must assume the FDIC-supervised institution will not exercise that option to extend the maturity; and, (v) If an option is subject to a contractually defined notice period, the FDIC-supervised institution must determine the earliest possible contractual maturity date regardless of the notice period., (2) With respect to an instrument or transaction subject to \u00a7 329.33, on the latest possible contractual maturity date or the latest possible date the transaction could occur, taking into account any option that could extend the maturity date or the date of the transaction, except that when considering the latest possible contractual maturity date or the latest possible date the transaction could occur, the FDIC-supervised institution may exclude any contingent options that are triggered only by regulatory actions or changes in law or regulation, as follows:, (i) If the borrower has an option that would extend the maturity, the FDIC-supervised institution must assume that the borrower will exercise the option to extend the maturity to the latest possible date;, (ii) If the borrower has an option that would reduce the maturity, the FDIC-supervised institution must assume that the borrower will not exercise the option to reduce the maturity;, (iii) If the FDIC-supervised institution has an option that would reduce the maturity of an instrument or transaction, the FDIC-supervised institution must assume the FDIC-supervised institution will not exercise the option to reduce the maturity;, (iv) If the FDIC-supervised institution has an option that would extend the maturity of an instrument or transaction, the FDIC-supervised institution must assume the FDIC-supervised institution will exercise the option to extend the maturity to the latest possible date; and, (v) If an option is subject to a contractually defined notice period, the FDIC-supervised institution must determine the latest possible contractual maturity date based on the borrower using the entire notice period., (3) With respect to a transaction subject to \u00a7 329.33(f)(1)(iii) through (vii) (secured lending transactions) or \u00a7 329.33(f)(2)(ii) through (x) (asset exchanges), to the extent the transaction is secured by collateral that has been pledged in connection with either a secured funding transaction or asset exchange that has a remaining maturity of 30 calendar days or less as of the calculation date, the maturity date is the later of the maturity date determined under paragraph (a)(2) of this section for the secured lending transaction or asset exchange or the maturity date determined under paragraph (a)(1) of this section for the secured funding transaction or asset exchange for which the collateral has been pledged., (4) With respect to a transaction that has an open maturity, is not an operational deposit, and is subject to the provisions of \u00a7 329.32(h)(2), (h)(5), (j), or (k) or \u00a7 329.33(d) or (f), the maturity date is the first calendar day after the calculation date. Any other transaction that has an open maturity and is subject to the provisions of \u00a7 329.32 shall be considered to mature within 30 calendar days of the calculation date., (5) With respect to a transaction subject to the provisions of \u00a7 329.33(g), on the date of the next scheduled calculation of the amount required under applicable legal requirements for the protection of customer assets with respect to each broker-dealer segregated account, in accordance with the FDIC-supervised institution's normal frequency of recalculating such requirements., (b) Reserved ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["329"],"part_title":["PART 329 - LIQUIDITY RISK MEASUREMENT STANDARDS"],"section":["329.31"],"section_title":["\u00a7 329.31 Determining maturity."]},"_input_hash":-234434847,"_task_hash":1716703122,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843772,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"(a) For purposes of calculating its liquidity coverage ratio and the components thereof under this subpart, an FDIC-supervised institution shall assume an asset or transaction matures:, (1) With respect to an instrument or transaction subject to \u00a7 329.32, on the earliest possible contractual maturity date or the earliest possible date the transaction could occur, taking into account any option that could accelerate the maturity date or the date of the transaction, except that when considering the earliest possible contractual maturity date or the earliest possible date the transaction could occur, the FDIC-supervised institution should exclude any contingent options that are triggered only by regulatory actions or changes in law or regulation, as follows:, (i) If an investor or funds provider has an option that would reduce the maturity, the FDIC-supervised institution must assume that the investor or funds provider will exercise the option at the earliest possible date;, (ii) If an investor or funds provider has an option that would extend the maturity, the FDIC-supervised institution must assume that the investor or funds provider will not exercise the option to extend the maturity;, (iii) If the FDIC-supervised institution has an option that would reduce the maturity of an obligation, the FDIC-supervised institution must assume that the FDIC-supervised institution will exercise the option at the earliest possible date, except if either of the following criteria are satisfied, in which case the maturity of the obligation for purposes of this part will be the original maturity date at issuance:, (A) The original maturity of the obligation is greater than one year and the option does not go into effect for a period of 180 days following the issuance of the instrument; or, (B) The counterparty is a sovereign entity, a U.S. government-sponsored enterprise, or a public sector entity., (iv) If the FDIC-supervised institution has an option that would extend the maturity of an obligation it issued, the FDIC-supervised institution must assume the FDIC-supervised institution will not exercise that option to extend the maturity; and, (v) If an option is subject to a contractually defined notice period, the FDIC-supervised institution must determine the earliest possible contractual maturity date regardless of the notice period., (2) With respect to an instrument or transaction subject to \u00a7 329.33, on the latest possible contractual maturity date or the latest possible date the transaction could occur, taking into account any option that could extend the maturity date or the date of the transaction, except that when considering the latest possible contractual maturity date or the latest possible date the transaction could occur, the FDIC-supervised institution may exclude any contingent options that are triggered only by regulatory actions or changes in law or regulation, as follows:, (i) If the borrower has an option that would extend the maturity, the FDIC-supervised institution must assume that the borrower will exercise the option to extend the maturity to the latest possible date;, (ii) If the borrower has an option that would reduce the maturity, the FDIC-supervised institution must assume that the borrower will not exercise the option to reduce the maturity;, (iii) If the FDIC-supervised institution has an option that would reduce the maturity of an instrument or transaction, the FDIC-supervised institution must assume the FDIC-supervised institution will not exercise the option to reduce the maturity;, (iv) If the FDIC-supervised institution has an option that would extend the maturity of an instrument or transaction, the FDIC-supervised institution must assume the FDIC-supervised institution will exercise the option to extend the maturity to the latest possible date; and, (v) If an option is subject to a contractually defined notice period, the FDIC-supervised institution must determine the latest possible contractual maturity date based on the borrower using the entire notice period., (3) With respect to a transaction subject to \u00a7 329.33(f)(1)(iii) through (vii) (secured lending transactions) or \u00a7 329.33(f)(2)(ii) through (x) (asset exchanges), to the extent the transaction is secured by collateral that has been pledged in connection with either a secured funding transaction or asset exchange that has a remaining maturity of 30 calendar days or less as of the calculation date, the maturity date is the later of the maturity date determined under paragraph (a)(2) of this section for the secured lending transaction or asset exchange or the maturity date determined under paragraph (a)(1) of this section for the secured funding transaction or asset exchange for which the collateral has been pledged., (4) With respect to a transaction that has an open maturity, is not an operational deposit, and is subject to the provisions of \u00a7 329.32(h)(2), (h)(5), (j), or (k) or \u00a7 329.33(d) or (f), the maturity date is the first calendar day after the calculation date. Any other transaction that has an open maturity and is subject to the provisions of \u00a7 329.32 shall be considered to mature within 30 calendar days of the calculation date., (5) With respect to a transaction subject to the provisions of \u00a7 329.33(g), on the date of the next scheduled calculation of the amount required under applicable legal requirements for the protection of customer assets with respect to each broker-dealer segregated account, in accordance with the FDIC-supervised institution's normal frequency of recalculating such requirements., (b) Reserved ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["329"],"part_title":["PART 329 - LIQUIDITY RISK MEASUREMENT STANDARDS"],"section":["329.31"],"section_title":["\u00a7 329.31 Determining maturity."]},"_input_hash":-234434847,"_task_hash":1716703122,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711812333,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"(a) For purposes of calculating its liquidity coverage ratio and the components thereof under this subpart, an FDIC-supervised institution shall assume an asset or transaction matures:, (1) With respect to an instrument or transaction subject to \u00a7 329.32, on the earliest possible contractual maturity date or the earliest possible date the transaction could occur, taking into account any option that could accelerate the maturity date or the date of the transaction, except that when considering the earliest possible contractual maturity date or the earliest possible date the transaction could occur, the FDIC-supervised institution should exclude any contingent options that are triggered only by regulatory actions or changes in law or regulation, as follows:, (i) If an investor or funds provider has an option that would reduce the maturity, the FDIC-supervised institution must assume that the investor or funds provider will exercise the option at the earliest possible date;, (ii) If an investor or funds provider has an option that would extend the maturity, the FDIC-supervised institution must assume that the investor or funds provider will not exercise the option to extend the maturity;, (iii) If the FDIC-supervised institution has an option that would reduce the maturity of an obligation, the FDIC-supervised institution must assume that the FDIC-supervised institution will exercise the option at the earliest possible date, except if either of the following criteria are satisfied, in which case the maturity of the obligation for purposes of this part will be the original maturity date at issuance:, (A) The original maturity of the obligation is greater than one year and the option does not go into effect for a period of 180 days following the issuance of the instrument; or, (B) The counterparty is a sovereign entity, a U.S. government-sponsored enterprise, or a public sector entity., (iv) If the FDIC-supervised institution has an option that would extend the maturity of an obligation it issued, the FDIC-supervised institution must assume the FDIC-supervised institution will not exercise that option to extend the maturity; and, (v) If an option is subject to a contractually defined notice period, the FDIC-supervised institution must determine the earliest possible contractual maturity date regardless of the notice period., (2) With respect to an instrument or transaction subject to \u00a7 329.33, on the latest possible contractual maturity date or the latest possible date the transaction could occur, taking into account any option that could extend the maturity date or the date of the transaction, except that when considering the latest possible contractual maturity date or the latest possible date the transaction could occur, the FDIC-supervised institution may exclude any contingent options that are triggered only by regulatory actions or changes in law or regulation, as follows:, (i) If the borrower has an option that would extend the maturity, the FDIC-supervised institution must assume that the borrower will exercise the option to extend the maturity to the latest possible date;, (ii) If the borrower has an option that would reduce the maturity, the FDIC-supervised institution must assume that the borrower will not exercise the option to reduce the maturity;, (iii) If the FDIC-supervised institution has an option that would reduce the maturity of an instrument or transaction, the FDIC-supervised institution must assume the FDIC-supervised institution will not exercise the option to reduce the maturity;, (iv) If the FDIC-supervised institution has an option that would extend the maturity of an instrument or transaction, the FDIC-supervised institution must assume the FDIC-supervised institution will exercise the option to extend the maturity to the latest possible date; and, (v) If an option is subject to a contractually defined notice period, the FDIC-supervised institution must determine the latest possible contractual maturity date based on the borrower using the entire notice period., (3) With respect to a transaction subject to \u00a7 329.33(f)(1)(iii) through (vii) (secured lending transactions) or \u00a7 329.33(f)(2)(ii) through (x) (asset exchanges), to the extent the transaction is secured by collateral that has been pledged in connection with either a secured funding transaction or asset exchange that has a remaining maturity of 30 calendar days or less as of the calculation date, the maturity date is the later of the maturity date determined under paragraph (a)(2) of this section for the secured lending transaction or asset exchange or the maturity date determined under paragraph (a)(1) of this section for the secured funding transaction or asset exchange for which the collateral has been pledged., (4) With respect to a transaction that has an open maturity, is not an operational deposit, and is subject to the provisions of \u00a7 329.32(h)(2), (h)(5), (j), or (k) or \u00a7 329.33(d) or (f), the maturity date is the first calendar day after the calculation date. Any other transaction that has an open maturity and is subject to the provisions of \u00a7 329.32 shall be considered to mature within 30 calendar days of the calculation date., (5) With respect to a transaction subject to the provisions of \u00a7 329.33(g), on the date of the next scheduled calculation of the amount required under applicable legal requirements for the protection of customer assets with respect to each broker-dealer segregated account, in accordance with the FDIC-supervised institution's normal frequency of recalculating such requirements., (b) Reserved ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["329"],"part_title":["PART 329 - LIQUIDITY RISK MEASUREMENT STANDARDS"],"section":["329.31"],"section_title":["\u00a7 329.31 Determining maturity."]},"_input_hash":-234434847,"_task_hash":-420113979,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711819349,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Federal credit unions with assets of $10,000,000 or greater must comply with all generally accepted accounting principles applicable to reports or statements required to be filed with NCUA. Federal credit unions with assets less than $10,000,000 are encouraged to do the same, but are not required to do so. , (b) A Federal credit union must maintain documentation for each investment transaction for as long as it holds the investment and until the documentation has been audited in accordance with \u00a7 715.4 of this chapter and examined by NCUA. The documentation should include, where applicable, bids and prices at purchase and sale and for periodic updates, relevant disclosure documents or a description of the security from an industry-recognized information provider, financial data, and tests and reports required by the Federal credit union's investment policy and this part. , (c) A Federal credit union must maintain documentation its board of directors used to approve a broker-dealer or a safekeeper for as long as the broker-dealer or safekeeper is approved and until the documentation has been audited in accordance with \u00a7 715.4 of this chapter and examined by NCUA. , (d) A Federal credit union must obtain an individual confirmation statement from each broker-dealer for each investment purchased or sold. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["703"],"part_title":["PART 703 - INVESTMENT AND DEPOSIT ACTIVITIES"],"section":["703.4"],"section_title":["\u00a7 703.4 Recordkeeping and documentation requirements."]},"_input_hash":-509430024,"_task_hash":-792862906,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843775,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Federal credit unions with assets of $10,000,000 or greater must comply with all generally accepted accounting principles applicable to reports or statements required to be filed with NCUA. Federal credit unions with assets less than $10,000,000 are encouraged to do the same, but are not required to do so. , (b) A Federal credit union must maintain documentation for each investment transaction for as long as it holds the investment and until the documentation has been audited in accordance with \u00a7 715.4 of this chapter and examined by NCUA. The documentation should include, where applicable, bids and prices at purchase and sale and for periodic updates, relevant disclosure documents or a description of the security from an industry-recognized information provider, financial data, and tests and reports required by the Federal credit union's investment policy and this part. , (c) A Federal credit union must maintain documentation its board of directors used to approve a broker-dealer or a safekeeper for as long as the broker-dealer or safekeeper is approved and until the documentation has been audited in accordance with \u00a7 715.4 of this chapter and examined by NCUA. , (d) A Federal credit union must obtain an individual confirmation statement from each broker-dealer for each investment purchased or sold. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["703"],"part_title":["PART 703 - INVESTMENT AND DEPOSIT ACTIVITIES"],"section":["703.4"],"section_title":["\u00a7 703.4 Recordkeeping and documentation requirements."]},"_input_hash":-509430024,"_task_hash":-792862906,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711812370,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Federal credit unions with assets of $10,000,000 or greater must comply with all generally accepted accounting principles applicable to reports or statements required to be filed with NCUA. Federal credit unions with assets less than $10,000,000 are encouraged to do the same, but are not required to do so. , (b) A Federal credit union must maintain documentation for each investment transaction for as long as it holds the investment and until the documentation has been audited in accordance with \u00a7 715.4 of this chapter and examined by NCUA. The documentation should include, where applicable, bids and prices at purchase and sale and for periodic updates, relevant disclosure documents or a description of the security from an industry-recognized information provider, financial data, and tests and reports required by the Federal credit union's investment policy and this part. , (c) A Federal credit union must maintain documentation its board of directors used to approve a broker-dealer or a safekeeper for as long as the broker-dealer or safekeeper is approved and until the documentation has been audited in accordance with \u00a7 715.4 of this chapter and examined by NCUA. , (d) A Federal credit union must obtain an individual confirmation statement from each broker-dealer for each investment purchased or sold. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["703"],"part_title":["PART 703 - INVESTMENT AND DEPOSIT ACTIVITIES"],"section":["703.4"],"section_title":["\u00a7 703.4 Recordkeeping and documentation requirements."]},"_input_hash":-509430024,"_task_hash":-305786288,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","config":{"choice_style":"single"},"accept":["CorporateGovernance"],"answer":"accept","_timestamp":1711828166,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"For purposes of this part, the following definitions apply:, ABS interest means:, (1) Any type of interest or obligation issued by an issuing entity, whether or not in certificated form, including a security, obligation, beneficial interest or residual interest (other than an uncertificated regular interest in a REMIC that is held by another REMIC, where both REMICs are part of the same structure and a single REMIC in that structure issues ABS interests to investors, or a non-economic residual interest issued by a REMIC), payments on which are primarily dependent on the cash flows of the collateral owned or held by the issuing entity; and, (2) Does not include common or preferred stock, limited liability interests, partnership interests, trust certificates, or similar interests that:, (i) Are issued primarily to evidence ownership of the issuing entity; and, (ii) The payments, if any, on which are not primarily dependent on the cash flows of the collateral held by the issuing entity; and, (3) Does not include the right to receive payments for services provided by the holder of such right, including servicing, trustee services and custodial services., Affiliate of, or a person affiliated with, a specified person means a person that directly, or indirectly through one or more intermediaries, controls, or is controlled by, or is under common control with, the person specified., Appropriate Federal banking agency has the same meaning as in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813)., Asset means a self-liquidating financial asset (including but not limited to a loan, lease, mortgage, or receivable)., Asset-backed security has the same meaning as in section 3(a)(79) of the Securities Exchange Act of 1934 (15 U.S.C. 78c(a)(79))., Collateral means, with respect to any issuance of ABS interests, the assets that provide the cash flow and the servicing assets that support such cash flow for the ABS interests irrespective of the legal structure of issuance, including security interests in assets or other property of the issuing entity, fractional undivided property interests in the assets or other property of the issuing entity, or any other property interest in or rights to cash flow from such assets and related servicing assets. Assets or other property collateralize an issuance of ABS interests if the assets or property serve as collateral for such issuance., Commercial real estate loan has the same meaning as in \u00a7 373.14., Commission means the Securities and Exchange Commission., Control including the terms \u201ccontrolling,\u201d \u201ccontrolled by\u201d and \u201cunder common control with\u201d:, (1) Means the possession, direct or indirect, of the power to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract, or otherwise., (2) Without limiting the foregoing, a person shall be considered to control another person if the first person:, (i) Owns, controls or holds with power to vote 25 percent or more of any class of voting securities of the other person; or, (ii) Controls in any manner the election of a majority of the directors, trustees or persons performing similar functions of the other person., Credit risk means:, (1) The risk of loss that could result from the failure of the borrower in the case of a securitized asset, or the issuing entity in the case of an ABS interest in the issuing entity, to make required payments of principal or interest on the asset or ABS interest on a timely basis;, (2) The risk of loss that could result from bankruptcy, insolvency, or a similar proceeding with respect to the borrower or issuing entity, as appropriate; or, (3) The effect that significant changes in the underlying credit quality of the asset or ABS interest may have on the market value of the asset or ABS interest., Creditor has the same meaning as in 15 U.S.C. 1602(g)., Depositor means:, (1) The person that receives or purchases and transfers or sells the securitized assets to the issuing entity;, (2) The sponsor, in the case of a securitization transaction where there is not an intermediate transfer of the assets from the sponsor to the issuing entity; or, (3) The person that receives or purchases and transfers or sells the securitized assets to the issuing entity in the case of a securitization transaction where the person transferring or selling the securitized assets directly to the issuing entity is itself a trust., Eligible horizontal residual interest means, with respect to any securitization transaction, an ABS interest in the issuing entity:, (1) That is an interest in a single class or multiple classes in the issuing entity, provided that each interest meets, individually or in the aggregate, all of the requirements of this definition;, (2) With respect to which, on any payment date or allocation date on which the issuing entity has insufficient funds to satisfy its obligation to pay all contractual interest or principal due, any resulting shortfall will reduce amounts payable to the eligible horizontal residual interest prior to any reduction in the amounts payable to any other ABS interest, whether through loss allocation, operation of the priority of payments, or any other governing contractual provision (until the amount of such ABS interest is reduced to zero); and, (3) That, with the exception of any non-economic REMIC residual interest, has the most subordinated claim to payments of both principal and interest by the issuing entity., Eligible horizontal cash reserve account means an account meeting the requirements of \u00a7 373.4(b)., Eligible vertical interest means, with respect to any securitization transaction, a single vertical security or an interest in each class of ABS interests in the issuing entity issued as part of the securitization transaction that constitutes the same proportion of each such class., Federal banking agencies means the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation., GAAP means generally accepted accounting principles as used in the United States., Issuing entity means, with respect to a securitization transaction, the trust or other entity:, (1) That owns or holds the pool of assets to be securitized; and, (2) In whose name the asset-backed securities are issued., Majority-owned affiliate of a person means an entity (other than the issuing entity) that, directly or indirectly, majority controls, is majority controlled by or is under common majority control with, such person. For purposes of this definition, majority control means ownership of more than 50 percent of the equity of an entity, or ownership of any other controlling financial interest in the entity, as determined under GAAP., Originator means a person who:, (1) Through an extension of credit or otherwise, creates an asset that collateralizes an asset-backed security; and, (2) Sells the asset directly or indirectly to a securitizer or issuing entity., REMIC has the same meaning as in 26 U.S.C. 860D., Residential mortgage means:, (1) A transaction that is a covered transaction as defined in \u00a7 1026.43(b) of Regulation Z (12 CFR 1026.43(b)(1));, (2) Any transaction that is exempt from the definition of \u201ccovered transaction\u201d under \u00a7 1026.43(a) of Regulation Z (12 CFR 1026.43(a)); and, (3) Any other loan secured by a residential structure that contains one to four units, whether or not that structure is attached to real property, including an individual condominium or cooperative unit and, if used as a residence, a mobile home or trailer., Retaining sponsor means, with respect to a securitization transaction, the sponsor that has retained or caused to be retained an economic interest in the credit risk of the securitized assets pursuant to subpart B of this part., Securitization transaction means a transaction involving the offer and sale of asset-backed securities by an issuing entity., Securitized asset means an asset that:, (1) Is transferred, sold, or conveyed to an issuing entity; and, (2) Collateralizes the ABS interests issued by the issuing entity., Securitizer means, with respect to a securitization transaction, either:, (1) The depositor of the asset-backed securities (if the depositor is not the sponsor); or, (2) The sponsor of the asset-backed securities., Servicer means any person responsible for the management or collection of the securitized assets or making allocations or distributions to holders of the ABS interests, but does not include a trustee for the issuing entity or the asset-backed securities that makes allocations or distributions to holders of the ABS interests if the trustee receives such allocations or distributions from a servicer and the trustee does not otherwise perform the functions of a servicer., Servicing assets means rights or other assets designed to assure the servicing or timely distribution of proceeds to ABS interest holders and rights or other assets that are related or incidental to purchasing or otherwise acquiring and holding the issuing entity's securitized assets. Servicing assets include amounts received by the issuing entity as proceeds of securitized assets, including proceeds of rights or other assets, whether as remittances by obligors or as other recoveries., Single vertical security means, with respect to any securitization transaction, an ABS interest entitling the sponsor to a specified percentage of the amounts paid on each class of ABS interests in the issuing entity (other than such single vertical security)., Sponsor means a person who organizes and initiates a securitization transaction by selling or transferring assets, either directly or indirectly, including through an affiliate, to the issuing entity., State has the same meaning as in Section 3(a)(16) of the Securities Exchange Act of 1934 (15 U.S.C. 78c(a)(16))., United States or U.S. means the United States of America, including its territories and possessions, any State of the United States, and the District of Columbia., Wholly-owned affiliate means a person (other than an issuing entity) that, directly or indirectly, wholly controls, is wholly controlled by, or is wholly under common control with, another person. For purposes of this definition, \u201cwholly controls\u201d means ownership of 100 percent of the equity of an entity.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["373"],"part_title":["PART 373 - CREDIT RISK RETENTION"],"section":["373.2"],"section_title":["\u00a7 373.2 Definitions."]},"_input_hash":156940238,"_task_hash":218580962,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843777,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"For purposes of this part, the following definitions apply:, ABS interest means:, (1) Any type of interest or obligation issued by an issuing entity, whether or not in certificated form, including a security, obligation, beneficial interest or residual interest (other than an uncertificated regular interest in a REMIC that is held by another REMIC, where both REMICs are part of the same structure and a single REMIC in that structure issues ABS interests to investors, or a non-economic residual interest issued by a REMIC), payments on which are primarily dependent on the cash flows of the collateral owned or held by the issuing entity; and, (2) Does not include common or preferred stock, limited liability interests, partnership interests, trust certificates, or similar interests that:, (i) Are issued primarily to evidence ownership of the issuing entity; and, (ii) The payments, if any, on which are not primarily dependent on the cash flows of the collateral held by the issuing entity; and, (3) Does not include the right to receive payments for services provided by the holder of such right, including servicing, trustee services and custodial services., Affiliate of, or a person affiliated with, a specified person means a person that directly, or indirectly through one or more intermediaries, controls, or is controlled by, or is under common control with, the person specified., Appropriate Federal banking agency has the same meaning as in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813)., Asset means a self-liquidating financial asset (including but not limited to a loan, lease, mortgage, or receivable)., Asset-backed security has the same meaning as in section 3(a)(79) of the Securities Exchange Act of 1934 (15 U.S.C. 78c(a)(79))., Collateral means, with respect to any issuance of ABS interests, the assets that provide the cash flow and the servicing assets that support such cash flow for the ABS interests irrespective of the legal structure of issuance, including security interests in assets or other property of the issuing entity, fractional undivided property interests in the assets or other property of the issuing entity, or any other property interest in or rights to cash flow from such assets and related servicing assets. Assets or other property collateralize an issuance of ABS interests if the assets or property serve as collateral for such issuance., Commercial real estate loan has the same meaning as in \u00a7 373.14., Commission means the Securities and Exchange Commission., Control including the terms \u201ccontrolling,\u201d \u201ccontrolled by\u201d and \u201cunder common control with\u201d:, (1) Means the possession, direct or indirect, of the power to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract, or otherwise., (2) Without limiting the foregoing, a person shall be considered to control another person if the first person:, (i) Owns, controls or holds with power to vote 25 percent or more of any class of voting securities of the other person; or, (ii) Controls in any manner the election of a majority of the directors, trustees or persons performing similar functions of the other person., Credit risk means:, (1) The risk of loss that could result from the failure of the borrower in the case of a securitized asset, or the issuing entity in the case of an ABS interest in the issuing entity, to make required payments of principal or interest on the asset or ABS interest on a timely basis;, (2) The risk of loss that could result from bankruptcy, insolvency, or a similar proceeding with respect to the borrower or issuing entity, as appropriate; or, (3) The effect that significant changes in the underlying credit quality of the asset or ABS interest may have on the market value of the asset or ABS interest., Creditor has the same meaning as in 15 U.S.C. 1602(g)., Depositor means:, (1) The person that receives or purchases and transfers or sells the securitized assets to the issuing entity;, (2) The sponsor, in the case of a securitization transaction where there is not an intermediate transfer of the assets from the sponsor to the issuing entity; or, (3) The person that receives or purchases and transfers or sells the securitized assets to the issuing entity in the case of a securitization transaction where the person transferring or selling the securitized assets directly to the issuing entity is itself a trust., Eligible horizontal residual interest means, with respect to any securitization transaction, an ABS interest in the issuing entity:, (1) That is an interest in a single class or multiple classes in the issuing entity, provided that each interest meets, individually or in the aggregate, all of the requirements of this definition;, (2) With respect to which, on any payment date or allocation date on which the issuing entity has insufficient funds to satisfy its obligation to pay all contractual interest or principal due, any resulting shortfall will reduce amounts payable to the eligible horizontal residual interest prior to any reduction in the amounts payable to any other ABS interest, whether through loss allocation, operation of the priority of payments, or any other governing contractual provision (until the amount of such ABS interest is reduced to zero); and, (3) That, with the exception of any non-economic REMIC residual interest, has the most subordinated claim to payments of both principal and interest by the issuing entity., Eligible horizontal cash reserve account means an account meeting the requirements of \u00a7 373.4(b)., Eligible vertical interest means, with respect to any securitization transaction, a single vertical security or an interest in each class of ABS interests in the issuing entity issued as part of the securitization transaction that constitutes the same proportion of each such class., Federal banking agencies means the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation., GAAP means generally accepted accounting principles as used in the United States., Issuing entity means, with respect to a securitization transaction, the trust or other entity:, (1) That owns or holds the pool of assets to be securitized; and, (2) In whose name the asset-backed securities are issued., Majority-owned affiliate of a person means an entity (other than the issuing entity) that, directly or indirectly, majority controls, is majority controlled by or is under common majority control with, such person. For purposes of this definition, majority control means ownership of more than 50 percent of the equity of an entity, or ownership of any other controlling financial interest in the entity, as determined under GAAP., Originator means a person who:, (1) Through an extension of credit or otherwise, creates an asset that collateralizes an asset-backed security; and, (2) Sells the asset directly or indirectly to a securitizer or issuing entity., REMIC has the same meaning as in 26 U.S.C. 860D., Residential mortgage means:, (1) A transaction that is a covered transaction as defined in \u00a7 1026.43(b) of Regulation Z (12 CFR 1026.43(b)(1));, (2) Any transaction that is exempt from the definition of \u201ccovered transaction\u201d under \u00a7 1026.43(a) of Regulation Z (12 CFR 1026.43(a)); and, (3) Any other loan secured by a residential structure that contains one to four units, whether or not that structure is attached to real property, including an individual condominium or cooperative unit and, if used as a residence, a mobile home or trailer., Retaining sponsor means, with respect to a securitization transaction, the sponsor that has retained or caused to be retained an economic interest in the credit risk of the securitized assets pursuant to subpart B of this part., Securitization transaction means a transaction involving the offer and sale of asset-backed securities by an issuing entity., Securitized asset means an asset that:, (1) Is transferred, sold, or conveyed to an issuing entity; and, (2) Collateralizes the ABS interests issued by the issuing entity., Securitizer means, with respect to a securitization transaction, either:, (1) The depositor of the asset-backed securities (if the depositor is not the sponsor); or, (2) The sponsor of the asset-backed securities., Servicer means any person responsible for the management or collection of the securitized assets or making allocations or distributions to holders of the ABS interests, but does not include a trustee for the issuing entity or the asset-backed securities that makes allocations or distributions to holders of the ABS interests if the trustee receives such allocations or distributions from a servicer and the trustee does not otherwise perform the functions of a servicer., Servicing assets means rights or other assets designed to assure the servicing or timely distribution of proceeds to ABS interest holders and rights or other assets that are related or incidental to purchasing or otherwise acquiring and holding the issuing entity's securitized assets. Servicing assets include amounts received by the issuing entity as proceeds of securitized assets, including proceeds of rights or other assets, whether as remittances by obligors or as other recoveries., Single vertical security means, with respect to any securitization transaction, an ABS interest entitling the sponsor to a specified percentage of the amounts paid on each class of ABS interests in the issuing entity (other than such single vertical security)., Sponsor means a person who organizes and initiates a securitization transaction by selling or transferring assets, either directly or indirectly, including through an affiliate, to the issuing entity., State has the same meaning as in Section 3(a)(16) of the Securities Exchange Act of 1934 (15 U.S.C. 78c(a)(16))., United States or U.S. means the United States of America, including its territories and possessions, any State of the United States, and the District of Columbia., Wholly-owned affiliate means a person (other than an issuing entity) that, directly or indirectly, wholly controls, is wholly controlled by, or is wholly under common control with, another person. For purposes of this definition, \u201cwholly controls\u201d means ownership of 100 percent of the equity of an entity.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["373"],"part_title":["PART 373 - CREDIT RISK RETENTION"],"section":["373.2"],"section_title":["\u00a7 373.2 Definitions."]},"_input_hash":156940238,"_task_hash":218580962,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711812561,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"For purposes of this part, the following definitions apply:, ABS interest means:, (1) Any type of interest or obligation issued by an issuing entity, whether or not in certificated form, including a security, obligation, beneficial interest or residual interest (other than an uncertificated regular interest in a REMIC that is held by another REMIC, where both REMICs are part of the same structure and a single REMIC in that structure issues ABS interests to investors, or a non-economic residual interest issued by a REMIC), payments on which are primarily dependent on the cash flows of the collateral owned or held by the issuing entity; and, (2) Does not include common or preferred stock, limited liability interests, partnership interests, trust certificates, or similar interests that:, (i) Are issued primarily to evidence ownership of the issuing entity; and, (ii) The payments, if any, on which are not primarily dependent on the cash flows of the collateral held by the issuing entity; and, (3) Does not include the right to receive payments for services provided by the holder of such right, including servicing, trustee services and custodial services., Affiliate of, or a person affiliated with, a specified person means a person that directly, or indirectly through one or more intermediaries, controls, or is controlled by, or is under common control with, the person specified., Appropriate Federal banking agency has the same meaning as in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813)., Asset means a self-liquidating financial asset (including but not limited to a loan, lease, mortgage, or receivable)., Asset-backed security has the same meaning as in section 3(a)(79) of the Securities Exchange Act of 1934 (15 U.S.C. 78c(a)(79))., Collateral means, with respect to any issuance of ABS interests, the assets that provide the cash flow and the servicing assets that support such cash flow for the ABS interests irrespective of the legal structure of issuance, including security interests in assets or other property of the issuing entity, fractional undivided property interests in the assets or other property of the issuing entity, or any other property interest in or rights to cash flow from such assets and related servicing assets. Assets or other property collateralize an issuance of ABS interests if the assets or property serve as collateral for such issuance., Commercial real estate loan has the same meaning as in \u00a7 373.14., Commission means the Securities and Exchange Commission., Control including the terms \u201ccontrolling,\u201d \u201ccontrolled by\u201d and \u201cunder common control with\u201d:, (1) Means the possession, direct or indirect, of the power to direct or cause the direction of the management and policies of a person, whether through the ownership of voting securities, by contract, or otherwise., (2) Without limiting the foregoing, a person shall be considered to control another person if the first person:, (i) Owns, controls or holds with power to vote 25 percent or more of any class of voting securities of the other person; or, (ii) Controls in any manner the election of a majority of the directors, trustees or persons performing similar functions of the other person., Credit risk means:, (1) The risk of loss that could result from the failure of the borrower in the case of a securitized asset, or the issuing entity in the case of an ABS interest in the issuing entity, to make required payments of principal or interest on the asset or ABS interest on a timely basis;, (2) The risk of loss that could result from bankruptcy, insolvency, or a similar proceeding with respect to the borrower or issuing entity, as appropriate; or, (3) The effect that significant changes in the underlying credit quality of the asset or ABS interest may have on the market value of the asset or ABS interest., Creditor has the same meaning as in 15 U.S.C. 1602(g)., Depositor means:, (1) The person that receives or purchases and transfers or sells the securitized assets to the issuing entity;, (2) The sponsor, in the case of a securitization transaction where there is not an intermediate transfer of the assets from the sponsor to the issuing entity; or, (3) The person that receives or purchases and transfers or sells the securitized assets to the issuing entity in the case of a securitization transaction where the person transferring or selling the securitized assets directly to the issuing entity is itself a trust., Eligible horizontal residual interest means, with respect to any securitization transaction, an ABS interest in the issuing entity:, (1) That is an interest in a single class or multiple classes in the issuing entity, provided that each interest meets, individually or in the aggregate, all of the requirements of this definition;, (2) With respect to which, on any payment date or allocation date on which the issuing entity has insufficient funds to satisfy its obligation to pay all contractual interest or principal due, any resulting shortfall will reduce amounts payable to the eligible horizontal residual interest prior to any reduction in the amounts payable to any other ABS interest, whether through loss allocation, operation of the priority of payments, or any other governing contractual provision (until the amount of such ABS interest is reduced to zero); and, (3) That, with the exception of any non-economic REMIC residual interest, has the most subordinated claim to payments of both principal and interest by the issuing entity., Eligible horizontal cash reserve account means an account meeting the requirements of \u00a7 373.4(b)., Eligible vertical interest means, with respect to any securitization transaction, a single vertical security or an interest in each class of ABS interests in the issuing entity issued as part of the securitization transaction that constitutes the same proportion of each such class., Federal banking agencies means the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation., GAAP means generally accepted accounting principles as used in the United States., Issuing entity means, with respect to a securitization transaction, the trust or other entity:, (1) That owns or holds the pool of assets to be securitized; and, (2) In whose name the asset-backed securities are issued., Majority-owned affiliate of a person means an entity (other than the issuing entity) that, directly or indirectly, majority controls, is majority controlled by or is under common majority control with, such person. For purposes of this definition, majority control means ownership of more than 50 percent of the equity of an entity, or ownership of any other controlling financial interest in the entity, as determined under GAAP., Originator means a person who:, (1) Through an extension of credit or otherwise, creates an asset that collateralizes an asset-backed security; and, (2) Sells the asset directly or indirectly to a securitizer or issuing entity., REMIC has the same meaning as in 26 U.S.C. 860D., Residential mortgage means:, (1) A transaction that is a covered transaction as defined in \u00a7 1026.43(b) of Regulation Z (12 CFR 1026.43(b)(1));, (2) Any transaction that is exempt from the definition of \u201ccovered transaction\u201d under \u00a7 1026.43(a) of Regulation Z (12 CFR 1026.43(a)); and, (3) Any other loan secured by a residential structure that contains one to four units, whether or not that structure is attached to real property, including an individual condominium or cooperative unit and, if used as a residence, a mobile home or trailer., Retaining sponsor means, with respect to a securitization transaction, the sponsor that has retained or caused to be retained an economic interest in the credit risk of the securitized assets pursuant to subpart B of this part., Securitization transaction means a transaction involving the offer and sale of asset-backed securities by an issuing entity., Securitized asset means an asset that:, (1) Is transferred, sold, or conveyed to an issuing entity; and, (2) Collateralizes the ABS interests issued by the issuing entity., Securitizer means, with respect to a securitization transaction, either:, (1) The depositor of the asset-backed securities (if the depositor is not the sponsor); or, (2) The sponsor of the asset-backed securities., Servicer means any person responsible for the management or collection of the securitized assets or making allocations or distributions to holders of the ABS interests, but does not include a trustee for the issuing entity or the asset-backed securities that makes allocations or distributions to holders of the ABS interests if the trustee receives such allocations or distributions from a servicer and the trustee does not otherwise perform the functions of a servicer., Servicing assets means rights or other assets designed to assure the servicing or timely distribution of proceeds to ABS interest holders and rights or other assets that are related or incidental to purchasing or otherwise acquiring and holding the issuing entity's securitized assets. Servicing assets include amounts received by the issuing entity as proceeds of securitized assets, including proceeds of rights or other assets, whether as remittances by obligors or as other recoveries., Single vertical security means, with respect to any securitization transaction, an ABS interest entitling the sponsor to a specified percentage of the amounts paid on each class of ABS interests in the issuing entity (other than such single vertical security)., Sponsor means a person who organizes and initiates a securitization transaction by selling or transferring assets, either directly or indirectly, including through an affiliate, to the issuing entity., State has the same meaning as in Section 3(a)(16) of the Securities Exchange Act of 1934 (15 U.S.C. 78c(a)(16))., United States or U.S. means the United States of America, including its territories and possessions, any State of the United States, and the District of Columbia., Wholly-owned affiliate means a person (other than an issuing entity) that, directly or indirectly, wholly controls, is wholly controlled by, or is wholly under common control with, another person. For purposes of this definition, \u201cwholly controls\u201d means ownership of 100 percent of the equity of an entity.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["373"],"part_title":["PART 373 - CREDIT RISK RETENTION"],"section":["373.2"],"section_title":["\u00a7 373.2 Definitions."]},"_input_hash":156940238,"_task_hash":805859416,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711834613,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Authority. This part is issued by the Board of Governors of the Federal Reserve System under sections 5 and 14 of the Bank Holding Company Act of 1956, as amended (12 U.S.C. 1844 and 1852); section 8 of the Federal Deposit Insurance Act, as amended (12 U.S.C. 1818); the International Banking Act of 1978, as amended (12 U.S.C. 3101 et seq.); and the recommendations of the Financial Stability Oversight Council (76 Federal Register 6756) (February 8, 2011)., (b) Purpose. This subpart implements section 14 of the Bank Holding Company Act, which generally prohibits a financial company from merging or consolidating with, acquiring all or substantially all of the assets of, or otherwise acquiring control of, another company if the resulting company's consolidated liabilities would exceed 10 percent of the aggregate consolidated liabilities of all financial companies., (c) Other authorities. Nothing in this part limits the authority of the Board under any other provision of law or regulation to prohibit or limit a financial company from merging or consolidating with, acquiring all or substantially all of the assets of, or otherwise acquiring control of, another company.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["251"],"part_title":["PART 251 - CONCENTRATION LIMIT (REGULATION XX)"],"section":["251.1"],"section_title":["\u00a7 251.1 Authority, purpose, and other authorities."]},"_input_hash":-536728919,"_task_hash":-39613124,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843779,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Authority. This part is issued by the Board of Governors of the Federal Reserve System under sections 5 and 14 of the Bank Holding Company Act of 1956, as amended (12 U.S.C. 1844 and 1852); section 8 of the Federal Deposit Insurance Act, as amended (12 U.S.C. 1818); the International Banking Act of 1978, as amended (12 U.S.C. 3101 et seq.); and the recommendations of the Financial Stability Oversight Council (76 Federal Register 6756) (February 8, 2011)., (b) Purpose. This subpart implements section 14 of the Bank Holding Company Act, which generally prohibits a financial company from merging or consolidating with, acquiring all or substantially all of the assets of, or otherwise acquiring control of, another company if the resulting company's consolidated liabilities would exceed 10 percent of the aggregate consolidated liabilities of all financial companies., (c) Other authorities. Nothing in this part limits the authority of the Board under any other provision of law or regulation to prohibit or limit a financial company from merging or consolidating with, acquiring all or substantially all of the assets of, or otherwise acquiring control of, another company.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["251"],"part_title":["PART 251 - CONCENTRATION LIMIT (REGULATION XX)"],"section":["251.1"],"section_title":["\u00a7 251.1 Authority, purpose, and other authorities."]},"_input_hash":-536728919,"_task_hash":1147565868,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711812580,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"(a) Authority. This part is issued by the Board of Governors of the Federal Reserve System under sections 5 and 14 of the Bank Holding Company Act of 1956, as amended (12 U.S.C. 1844 and 1852); section 8 of the Federal Deposit Insurance Act, as amended (12 U.S.C. 1818); the International Banking Act of 1978, as amended (12 U.S.C. 3101 et seq.); and the recommendations of the Financial Stability Oversight Council (76 Federal Register 6756) (February 8, 2011)., (b) Purpose. This subpart implements section 14 of the Bank Holding Company Act, which generally prohibits a financial company from merging or consolidating with, acquiring all or substantially all of the assets of, or otherwise acquiring control of, another company if the resulting company's consolidated liabilities would exceed 10 percent of the aggregate consolidated liabilities of all financial companies., (c) Other authorities. Nothing in this part limits the authority of the Board under any other provision of law or regulation to prohibit or limit a financial company from merging or consolidating with, acquiring all or substantially all of the assets of, or otherwise acquiring control of, another company.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["251"],"part_title":["PART 251 - CONCENTRATION LIMIT (REGULATION XX)"],"section":["251.1"],"section_title":["\u00a7 251.1 Authority, purpose, and other authorities."]},"_input_hash":-536728919,"_task_hash":-39613124,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711819640,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Authority. This part is issued by the Board of Governors of the Federal Reserve System under sections 5 and 14 of the Bank Holding Company Act of 1956, as amended (12 U.S.C. 1844 and 1852); section 8 of the Federal Deposit Insurance Act, as amended (12 U.S.C. 1818); the International Banking Act of 1978, as amended (12 U.S.C. 3101 et seq.); and the recommendations of the Financial Stability Oversight Council (76 Federal Register 6756) (February 8, 2011)., (b) Purpose. This subpart implements section 14 of the Bank Holding Company Act, which generally prohibits a financial company from merging or consolidating with, acquiring all or substantially all of the assets of, or otherwise acquiring control of, another company if the resulting company's consolidated liabilities would exceed 10 percent of the aggregate consolidated liabilities of all financial companies., (c) Other authorities. Nothing in this part limits the authority of the Board under any other provision of law or regulation to prohibit or limit a financial company from merging or consolidating with, acquiring all or substantially all of the assets of, or otherwise acquiring control of, another company.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["251"],"part_title":["PART 251 - CONCENTRATION LIMIT (REGULATION XX)"],"section":["251.1"],"section_title":["\u00a7 251.1 Authority, purpose, and other authorities."]},"_input_hash":-536728919,"_task_hash":-1326185742,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","config":{"choice_style":"single"},"accept":["CorporateGovernance"],"answer":"accept","_timestamp":1711828240,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) In addition to assets enumerated in parts 1266 and 1268 of this chapter and subject to the applicable limitations set forth in this part, and in part 1272 of this chapter, each Bank may invest in:, (1) Obligations of the United States;, (2) Deposits in banks or trust companies;, (3) Obligations, participations or other instruments of, or issued by, the Federal National Mortgage Association or the Government National Mortgage Association;, (4) Mortgages, obligations, or other securities that are, or ever have been, sold by the Federal Home Loan Mortgage Corporation pursuant to section 305 or 306 of the Federal Home Loan Mortgage Corporation Act (12 U.S.C. 1454 or 1455);, (5) Stock, obligations, or other securities of any small business investment company formed pursuant to 15 U.S.C. 681, to the extent such investment is made for purposes of aiding members of the Bank; and, (6) Instruments that the Bank has determined are permissible investments for fiduciary or trust funds under the laws of the state in which the Bank is located., (b) Subject to any applicable limitations set forth in this part and in part 1272 of this chapter, a Bank also may enter into the following types of transactions:, (1) Derivative contracts;, (2) Standby letters of credit, pursuant to the requirements of part 1269 of this title;, (3) Forward asset purchases and sales;, (4) Commitments to make advances; and, (5) Commitments to make or purchase other loans.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1267"],"part_title":["PART 1267 - FEDERAL HOME LOAN BANK INVESTMENTS"],"section":["1267.2"],"section_title":["\u00a7 1267.2 Authorized investments and transactions."]},"_input_hash":1092687285,"_task_hash":199359937,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843800,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\""],"versions":[{"text":"(a) In addition to assets enumerated in parts 1266 and 1268 of this chapter and subject to the applicable limitations set forth in this part, and in part 1272 of this chapter, each Bank may invest in:, (1) Obligations of the United States;, (2) Deposits in banks or trust companies;, (3) Obligations, participations or other instruments of, or issued by, the Federal National Mortgage Association or the Government National Mortgage Association;, (4) Mortgages, obligations, or other securities that are, or ever have been, sold by the Federal Home Loan Mortgage Corporation pursuant to section 305 or 306 of the Federal Home Loan Mortgage Corporation Act (12 U.S.C. 1454 or 1455);, (5) Stock, obligations, or other securities of any small business investment company formed pursuant to 15 U.S.C. 681, to the extent such investment is made for purposes of aiding members of the Bank; and, (6) Instruments that the Bank has determined are permissible investments for fiduciary or trust funds under the laws of the state in which the Bank is located., (b) Subject to any applicable limitations set forth in this part and in part 1272 of this chapter, a Bank also may enter into the following types of transactions:, (1) Derivative contracts;, (2) Standby letters of credit, pursuant to the requirements of part 1269 of this title;, (3) Forward asset purchases and sales;, (4) Commitments to make advances; and, (5) Commitments to make or purchase other loans.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1267"],"part_title":["PART 1267 - FEDERAL HOME LOAN BANK INVESTMENTS"],"section":["1267.2"],"section_title":["\u00a7 1267.2 Authorized investments and transactions."]},"_input_hash":1092687285,"_task_hash":199359937,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711812596,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":true},{"text":"(a) In addition to assets enumerated in parts 1266 and 1268 of this chapter and subject to the applicable limitations set forth in this part, and in part 1272 of this chapter, each Bank may invest in:, (1) Obligations of the United States;, (2) Deposits in banks or trust companies;, (3) Obligations, participations or other instruments of, or issued by, the Federal National Mortgage Association or the Government National Mortgage Association;, (4) Mortgages, obligations, or other securities that are, or ever have been, sold by the Federal Home Loan Mortgage Corporation pursuant to section 305 or 306 of the Federal Home Loan Mortgage Corporation Act (12 U.S.C. 1454 or 1455);, (5) Stock, obligations, or other securities of any small business investment company formed pursuant to 15 U.S.C. 681, to the extent such investment is made for purposes of aiding members of the Bank; and, (6) Instruments that the Bank has determined are permissible investments for fiduciary or trust funds under the laws of the state in which the Bank is located., (b) Subject to any applicable limitations set forth in this part and in part 1272 of this chapter, a Bank also may enter into the following types of transactions:, (1) Derivative contracts;, (2) Standby letters of credit, pursuant to the requirements of part 1269 of this title;, (3) Forward asset purchases and sales;, (4) Commitments to make advances; and, (5) Commitments to make or purchase other loans.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1267"],"part_title":["PART 1267 - FEDERAL HOME LOAN BANK INVESTMENTS"],"section":["1267.2"],"section_title":["\u00a7 1267.2 Authorized investments and transactions."]},"_input_hash":1092687285,"_task_hash":968138769,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711819696,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) In addition to assets enumerated in parts 1266 and 1268 of this chapter and subject to the applicable limitations set forth in this part, and in part 1272 of this chapter, each Bank may invest in:, (1) Obligations of the United States;, (2) Deposits in banks or trust companies;, (3) Obligations, participations or other instruments of, or issued by, the Federal National Mortgage Association or the Government National Mortgage Association;, (4) Mortgages, obligations, or other securities that are, or ever have been, sold by the Federal Home Loan Mortgage Corporation pursuant to section 305 or 306 of the Federal Home Loan Mortgage Corporation Act (12 U.S.C. 1454 or 1455);, (5) Stock, obligations, or other securities of any small business investment company formed pursuant to 15 U.S.C. 681, to the extent such investment is made for purposes of aiding members of the Bank; and, (6) Instruments that the Bank has determined are permissible investments for fiduciary or trust funds under the laws of the state in which the Bank is located., (b) Subject to any applicable limitations set forth in this part and in part 1272 of this chapter, a Bank also may enter into the following types of transactions:, (1) Derivative contracts;, (2) Standby letters of credit, pursuant to the requirements of part 1269 of this title;, (3) Forward asset purchases and sales;, (4) Commitments to make advances; and, (5) Commitments to make or purchase other loans.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1267"],"part_title":["PART 1267 - FEDERAL HOME LOAN BANK INVESTMENTS"],"section":["1267.2"],"section_title":["\u00a7 1267.2 Authorized investments and transactions."]},"_input_hash":1092687285,"_task_hash":-1642544373,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711828248,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false},{"text":"(a) In addition to assets enumerated in parts 1266 and 1268 of this chapter and subject to the applicable limitations set forth in this part, and in part 1272 of this chapter, each Bank may invest in:, (1) Obligations of the United States;, (2) Deposits in banks or trust companies;, (3) Obligations, participations or other instruments of, or issued by, the Federal National Mortgage Association or the Government National Mortgage Association;, (4) Mortgages, obligations, or other securities that are, or ever have been, sold by the Federal Home Loan Mortgage Corporation pursuant to section 305 or 306 of the Federal Home Loan Mortgage Corporation Act (12 U.S.C. 1454 or 1455);, (5) Stock, obligations, or other securities of any small business investment company formed pursuant to 15 U.S.C. 681, to the extent such investment is made for purposes of aiding members of the Bank; and, (6) Instruments that the Bank has determined are permissible investments for fiduciary or trust funds under the laws of the state in which the Bank is located., (b) Subject to any applicable limitations set forth in this part and in part 1272 of this chapter, a Bank also may enter into the following types of transactions:, (1) Derivative contracts;, (2) Standby letters of credit, pursuant to the requirements of part 1269 of this title;, (3) Forward asset purchases and sales;, (4) Commitments to make advances; and, (5) Commitments to make or purchase other loans.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1267"],"part_title":["PART 1267 - FEDERAL HOME LOAN BANK INVESTMENTS"],"section":["1267.2"],"section_title":["\u00a7 1267.2 Authorized investments and transactions."]},"_input_hash":1092687285,"_task_hash":1666547848,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711834779,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Whenever the NCUA Board determines that grounds for termination of insured status exists, it will, for the purpose of securing correction of errant or illegal conditions, serve a Notice of Charges upon the concerned credit union. This notice will contain a statement describing the unsafe or unsound practices, condition or the relevant violations., (b) In the case of an insured State-chartered credit union, the NCUA Board shall send a copy of the Notice of Charges to the appropriate State authority, if any, having supervision over the credit union.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.203"],"section_title":["\u00a7 747.203 Notice of charges."]},"_input_hash":-695821852,"_task_hash":-268301187,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843802,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Whenever the NCUA Board determines that grounds for termination of insured status exists, it will, for the purpose of securing correction of errant or illegal conditions, serve a Notice of Charges upon the concerned credit union. This notice will contain a statement describing the unsafe or unsound practices, condition or the relevant violations., (b) In the case of an insured State-chartered credit union, the NCUA Board shall send a copy of the Notice of Charges to the appropriate State authority, if any, having supervision over the credit union.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.203"],"section_title":["\u00a7 747.203 Notice of charges."]},"_input_hash":-695821852,"_task_hash":-268301187,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711812611,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Whenever the NCUA Board determines that grounds for termination of insured status exists, it will, for the purpose of securing correction of errant or illegal conditions, serve a Notice of Charges upon the concerned credit union. This notice will contain a statement describing the unsafe or unsound practices, condition or the relevant violations., (b) In the case of an insured State-chartered credit union, the NCUA Board shall send a copy of the Notice of Charges to the appropriate State authority, if any, having supervision over the credit union.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.203"],"section_title":["\u00a7 747.203 Notice of charges."]},"_input_hash":-695821852,"_task_hash":-757775426,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711819730,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false}],"view_id":"choice"}
+{"text":"The term affiliated person of a State savings association means the following:, (a) A director, officer, or controlling person of such association;, (b) A spouse of a director, officer, or controlling person of such association;, (c) A member of the immediate family of a director, officer, or controlling person of such association, who has the same home as such person or who is a director or officer of any subsidiary of such association or of any holding company affiliate of such association;, (d) Any corporation or organization (other than the State savings association or a corporation or organization through which the State savings association operates) of which a director, officer or the controlling person of such association:, (1) Is chief executive officer, chief financial officer, or a person performing similar functions;, (2) Is a general partner;, (3) Is a limited partner who, directly or indirectly either alone or with his or her spouse and the members of his or her immediate family who are also affiliated persons of the association, owns an interest of 10 percent or more in the partnership (based on the value of his or her contribution) or who, directly or indirectly with other directors, officers, and controlling persons of such association and their spouses and their immediate family members who are also affiliated persons of the association, owns an interest of 25 percent or more in the partnership; or, (4) Directly or indirectly either alone or with his or her spouse and the members of his or her immediate family who are also affiliated persons of the association, owns or controls 10 percent or more of any class of equity securities or owns or controls, with other directors, officers, and controlling persons of such association and their spouses and their immediate family members who are also affiliated persons of the association, 25 percent or more of any class of equity securities; and, (5) Any trust or other estate in which a director, officer, or controlling person of such association or the spouse of such person has a substantial beneficial interest or as to which such person or his or her spouse serves as trustee or in a similar fiduciary capacity.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["390"],"part_title":["PART 390 - REGULATIONS TRANSFERRED FROM THE OFFICE OF THRIFT SUPERVISION"],"section":["390.284"],"section_title":["\u00a7 390.284 Affiliated person."]},"_input_hash":-105060252,"_task_hash":454385620,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843804,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"The term affiliated person of a State savings association means the following:, (a) A director, officer, or controlling person of such association;, (b) A spouse of a director, officer, or controlling person of such association;, (c) A member of the immediate family of a director, officer, or controlling person of such association, who has the same home as such person or who is a director or officer of any subsidiary of such association or of any holding company affiliate of such association;, (d) Any corporation or organization (other than the State savings association or a corporation or organization through which the State savings association operates) of which a director, officer or the controlling person of such association:, (1) Is chief executive officer, chief financial officer, or a person performing similar functions;, (2) Is a general partner;, (3) Is a limited partner who, directly or indirectly either alone or with his or her spouse and the members of his or her immediate family who are also affiliated persons of the association, owns an interest of 10 percent or more in the partnership (based on the value of his or her contribution) or who, directly or indirectly with other directors, officers, and controlling persons of such association and their spouses and their immediate family members who are also affiliated persons of the association, owns an interest of 25 percent or more in the partnership; or, (4) Directly or indirectly either alone or with his or her spouse and the members of his or her immediate family who are also affiliated persons of the association, owns or controls 10 percent or more of any class of equity securities or owns or controls, with other directors, officers, and controlling persons of such association and their spouses and their immediate family members who are also affiliated persons of the association, 25 percent or more of any class of equity securities; and, (5) Any trust or other estate in which a director, officer, or controlling person of such association or the spouse of such person has a substantial beneficial interest or as to which such person or his or her spouse serves as trustee or in a similar fiduciary capacity.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["390"],"part_title":["PART 390 - REGULATIONS TRANSFERRED FROM THE OFFICE OF THRIFT SUPERVISION"],"section":["390.284"],"section_title":["\u00a7 390.284 Affiliated person."]},"_input_hash":-105060252,"_task_hash":454385620,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711812643,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"The term affiliated person of a State savings association means the following:, (a) A director, officer, or controlling person of such association;, (b) A spouse of a director, officer, or controlling person of such association;, (c) A member of the immediate family of a director, officer, or controlling person of such association, who has the same home as such person or who is a director or officer of any subsidiary of such association or of any holding company affiliate of such association;, (d) Any corporation or organization (other than the State savings association or a corporation or organization through which the State savings association operates) of which a director, officer or the controlling person of such association:, (1) Is chief executive officer, chief financial officer, or a person performing similar functions;, (2) Is a general partner;, (3) Is a limited partner who, directly or indirectly either alone or with his or her spouse and the members of his or her immediate family who are also affiliated persons of the association, owns an interest of 10 percent or more in the partnership (based on the value of his or her contribution) or who, directly or indirectly with other directors, officers, and controlling persons of such association and their spouses and their immediate family members who are also affiliated persons of the association, owns an interest of 25 percent or more in the partnership; or, (4) Directly or indirectly either alone or with his or her spouse and the members of his or her immediate family who are also affiliated persons of the association, owns or controls 10 percent or more of any class of equity securities or owns or controls, with other directors, officers, and controlling persons of such association and their spouses and their immediate family members who are also affiliated persons of the association, 25 percent or more of any class of equity securities; and, (5) Any trust or other estate in which a director, officer, or controlling person of such association or the spouse of such person has a substantial beneficial interest or as to which such person or his or her spouse serves as trustee or in a similar fiduciary capacity.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["390"],"part_title":["PART 390 - REGULATIONS TRANSFERRED FROM THE OFFICE OF THRIFT SUPERVISION"],"section":["390.284"],"section_title":["\u00a7 390.284 Affiliated person."]},"_input_hash":-105060252,"_task_hash":1486802393,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711828445,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"This part prescribes rules of practice and procedure applicable to the conduct of investigative proceedings under section 10(g)(2) of the Home Owners' Loan Act, as amended, 12 U.S.C. 1467a(g)(2) (\u201cHOLA\u201d) and to the conduct of formal examination proceedings with respect to savings and loan holding companies and their affiliates under section 5(d)(1)(B) of the HOLA, as amended, 12 U.S.C. 1464(d)(1)(B) or section 7(j)(15) of the Federal Deposit Insurance Act, as amended, 12 U.S.C. 1817(j)(15) (\u201cFDIA\u201d), section 8(n) of the FDIA, 12 U.S.C. 1818(n), or section 10(c) of the FDIA, 12 U.S.C. 1820(c). This part does not apply to adjudicatory proceedings as to which hearings are required by statute, the rules for which are contained in part 262 of this chapter.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["238"],"part_title":["PART 238 - SAVINGS AND LOAN HOLDING COMPANIES (REGULATION LL)"],"section":["238.111"],"section_title":["\u00a7 238.111 Scope."]},"_input_hash":-4442508,"_task_hash":1917685508,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843806,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"This part prescribes rules of practice and procedure applicable to the conduct of investigative proceedings under section 10(g)(2) of the Home Owners' Loan Act, as amended, 12 U.S.C. 1467a(g)(2) (\u201cHOLA\u201d) and to the conduct of formal examination proceedings with respect to savings and loan holding companies and their affiliates under section 5(d)(1)(B) of the HOLA, as amended, 12 U.S.C. 1464(d)(1)(B) or section 7(j)(15) of the Federal Deposit Insurance Act, as amended, 12 U.S.C. 1817(j)(15) (\u201cFDIA\u201d), section 8(n) of the FDIA, 12 U.S.C. 1818(n), or section 10(c) of the FDIA, 12 U.S.C. 1820(c). This part does not apply to adjudicatory proceedings as to which hearings are required by statute, the rules for which are contained in part 262 of this chapter.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["238"],"part_title":["PART 238 - SAVINGS AND LOAN HOLDING COMPANIES (REGULATION LL)"],"section":["238.111"],"section_title":["\u00a7 238.111 Scope."]},"_input_hash":-4442508,"_task_hash":1917685508,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711812664,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"This part prescribes rules of practice and procedure applicable to the conduct of investigative proceedings under section 10(g)(2) of the Home Owners' Loan Act, as amended, 12 U.S.C. 1467a(g)(2) (\u201cHOLA\u201d) and to the conduct of formal examination proceedings with respect to savings and loan holding companies and their affiliates under section 5(d)(1)(B) of the HOLA, as amended, 12 U.S.C. 1464(d)(1)(B) or section 7(j)(15) of the Federal Deposit Insurance Act, as amended, 12 U.S.C. 1817(j)(15) (\u201cFDIA\u201d), section 8(n) of the FDIA, 12 U.S.C. 1818(n), or section 10(c) of the FDIA, 12 U.S.C. 1820(c). This part does not apply to adjudicatory proceedings as to which hearings are required by statute, the rules for which are contained in part 262 of this chapter.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["238"],"part_title":["PART 238 - SAVINGS AND LOAN HOLDING COMPANIES (REGULATION LL)"],"section":["238.111"],"section_title":["\u00a7 238.111 Scope."]},"_input_hash":-4442508,"_task_hash":-1244218463,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711819871,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"This part prescribes rules of practice and procedure applicable to the conduct of investigative proceedings under section 10(g)(2) of the Home Owners' Loan Act, as amended, 12 U.S.C. 1467a(g)(2) (\u201cHOLA\u201d) and to the conduct of formal examination proceedings with respect to savings and loan holding companies and their affiliates under section 5(d)(1)(B) of the HOLA, as amended, 12 U.S.C. 1464(d)(1)(B) or section 7(j)(15) of the Federal Deposit Insurance Act, as amended, 12 U.S.C. 1817(j)(15) (\u201cFDIA\u201d), section 8(n) of the FDIA, 12 U.S.C. 1818(n), or section 10(c) of the FDIA, 12 U.S.C. 1820(c). This part does not apply to adjudicatory proceedings as to which hearings are required by statute, the rules for which are contained in part 262 of this chapter.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["238"],"part_title":["PART 238 - SAVINGS AND LOAN HOLDING COMPANIES (REGULATION LL)"],"section":["238.111"],"section_title":["\u00a7 238.111 Scope."]},"_input_hash":-4442508,"_task_hash":-2067735405,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711828585,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"Section 3805 of title 31, United States Code, authorizes judicial review by an appropriate United States District Court of a final decision of the Board imposing penalties or assessments under this subpart and specifies the procedures for such review. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.541"],"section_title":["\u00a7 308.541 Judicial review."]},"_input_hash":-713241147,"_task_hash":303058179,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843807,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\""],"versions":[{"text":"Section 3805 of title 31, United States Code, authorizes judicial review by an appropriate United States District Court of a final decision of the Board imposing penalties or assessments under this subpart and specifies the procedures for such review. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.541"],"section_title":["\u00a7 308.541 Judicial review."]},"_input_hash":-713241147,"_task_hash":-62263851,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711812714,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"Section 3805 of title 31, United States Code, authorizes judicial review by an appropriate United States District Court of a final decision of the Board imposing penalties or assessments under this subpart and specifies the procedures for such review. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.541"],"section_title":["\u00a7 308.541 Judicial review."]},"_input_hash":-713241147,"_task_hash":303058179,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711819882,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\""],"default":true},{"text":"Section 3805 of title 31, United States Code, authorizes judicial review by an appropriate United States District Court of a final decision of the Board imposing penalties or assessments under this subpart and specifies the procedures for such review. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.541"],"section_title":["\u00a7 308.541 Judicial review."]},"_input_hash":-713241147,"_task_hash":-2024075179,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711835109,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) General rules. (1) If a witness will not be available for the hearing, a party desiring to preserve that witness's testimony for the record may apply to the presiding officer in accordance with the procedures set forth in paragraph (a)(2) of this section for the issuance of a subpoena or subpoena duces tecum requiring attendance of the witness at a deposition for the purpose of preserving that witness's testimony. The presiding officer may issue a deposition subpoena under this section upon a showing that:, (i) The witness will be unable to attend or may be prevented from attending the testimonial phase of the hearing because of age, sickness, or infirmity, or will be otherwise unavailable;, (ii) The subpoenaing party did not cause or contribute to the unavailability of the witness for the hearing;, (iii) The witness has personal knowledge and the testimony is reasonably expected to be materially relevant to claims, defenses, or matters determined to be at issue in the proceeding; and, (iv) Taking the deposition will not result in any undue burden to any other party and will not cause undue delay of the proceeding., (2) The application must contain a proposed deposition subpoena and a brief statement of the reasons for the issuance of the subpoena. The subpoena must name the witness whose deposition is to be taken and specify the time and place for taking the deposition. A deposition subpoena may require the witness to be deposed anywhere within the United States, or its Territories and possessions, in which that witness resides or has a regular place of employment or such other convenient place as the presiding officer shall fix., (3) Subpoenas must be issued promptly upon request, unless the presiding officer determines that the request fails to set forth a valid basis under this section for its issuance. Before making a determination that there is no valid basis for issuing the subpoena, the presiding officer shall require a written response from the party requesting the subpoena or require attendance at a conference to determine whether there is a valid basis upon which to issue the requested subpoena., (4) The party obtaining a deposition subpoena is responsible for serving it on the witness and for serving copies on all parties. Unless the presiding officer orders otherwise, no deposition under this section shall be taken on fewer than 10 days' notice to the witness and all parties. Deposition subpoenas may be served anywhere within the United States or its Territories and possessions, or on any person doing business anywhere within the United States or its Territories and possessions, or as otherwise permitted by law., (b) Objections to deposition subpoenas. (1) The witness and any party who has not had an opportunity to oppose a deposition subpoena issued under this section may file a motion with the presiding officer under \u00a7 1209.28 of this part to quash or modify the subpoena prior to the time for compliance specified in the subpoena, but not more than 10 days after service of the subpoena., (2) A statement of the basis for the motion to quash or modify a subpoena issued under this section must accompany the motion. The motion must be served on all parties., (c) Procedure upon deposition. (1) Each witness testifying pursuant to a deposition subpoena must be duly sworn and each party shall have the right to examine the witness. Objections to questions or documents must be in short form, stating the grounds for the objection. Failure to object to questions or documents is not deemed a waiver except where the ground for objection might have been avoided if the objection had been presented timely. All questions, answers, and objections must be recorded and transcribed. Videotaped depositions must be transcribed for the record; copies and transcriptions must be supplied to each party., (2) Any party may move before the presiding officer for an order compelling the witness to answer any questions the witness has refused to answer or submit any evidence that, during the deposition, the witness has refused to submit., (3) The deposition transcript must be subscribed by the witness, unless the parties and the witness, by stipulation, have waived the signing, or the witness is ill, cannot be found, or has refused to sign. If the deposition is not subscribed by the witness, the court reporter taking the deposition shall certify that the transcript is a true and complete transcript of the deposition., (d) Enforcing subpoenas. If a subpoenaed person fails to comply with any subpoena issued pursuant to this section or with any order of the presiding officer made upon motion under paragraph (c)(2) of this section, the subpoenaing party or other aggrieved party may, to the extent authorized by section 1379D(c) of the Safety and Soundness Act (12 U.S.C. 4641(c)), apply to an appropriate United States district court for an order requiring compliance with the portions of the subpoena that the presiding officer has ordered enforced. A party's right to seek court enforcement of a deposition subpoena in no way limits the sanctions that may be imposed by the presiding officer on a party who fails to comply with or induces a failure to comply with a subpoena issued under this section.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1209"],"part_title":["PART 1209 - RULES OF PRACTICE AND PROCEDURE"],"section":["1209.32"],"section_title":["\u00a7 1209.32 Deposition of witness unavailable for hearing."]},"_input_hash":-1943310968,"_task_hash":1406517496,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843810,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"versions":[{"text":"(a) General rules. (1) If a witness will not be available for the hearing, a party desiring to preserve that witness's testimony for the record may apply to the presiding officer in accordance with the procedures set forth in paragraph (a)(2) of this section for the issuance of a subpoena or subpoena duces tecum requiring attendance of the witness at a deposition for the purpose of preserving that witness's testimony. The presiding officer may issue a deposition subpoena under this section upon a showing that:, (i) The witness will be unable to attend or may be prevented from attending the testimonial phase of the hearing because of age, sickness, or infirmity, or will be otherwise unavailable;, (ii) The subpoenaing party did not cause or contribute to the unavailability of the witness for the hearing;, (iii) The witness has personal knowledge and the testimony is reasonably expected to be materially relevant to claims, defenses, or matters determined to be at issue in the proceeding; and, (iv) Taking the deposition will not result in any undue burden to any other party and will not cause undue delay of the proceeding., (2) The application must contain a proposed deposition subpoena and a brief statement of the reasons for the issuance of the subpoena. The subpoena must name the witness whose deposition is to be taken and specify the time and place for taking the deposition. A deposition subpoena may require the witness to be deposed anywhere within the United States, or its Territories and possessions, in which that witness resides or has a regular place of employment or such other convenient place as the presiding officer shall fix., (3) Subpoenas must be issued promptly upon request, unless the presiding officer determines that the request fails to set forth a valid basis under this section for its issuance. Before making a determination that there is no valid basis for issuing the subpoena, the presiding officer shall require a written response from the party requesting the subpoena or require attendance at a conference to determine whether there is a valid basis upon which to issue the requested subpoena., (4) The party obtaining a deposition subpoena is responsible for serving it on the witness and for serving copies on all parties. Unless the presiding officer orders otherwise, no deposition under this section shall be taken on fewer than 10 days' notice to the witness and all parties. Deposition subpoenas may be served anywhere within the United States or its Territories and possessions, or on any person doing business anywhere within the United States or its Territories and possessions, or as otherwise permitted by law., (b) Objections to deposition subpoenas. (1) The witness and any party who has not had an opportunity to oppose a deposition subpoena issued under this section may file a motion with the presiding officer under \u00a7 1209.28 of this part to quash or modify the subpoena prior to the time for compliance specified in the subpoena, but not more than 10 days after service of the subpoena., (2) A statement of the basis for the motion to quash or modify a subpoena issued under this section must accompany the motion. The motion must be served on all parties., (c) Procedure upon deposition. (1) Each witness testifying pursuant to a deposition subpoena must be duly sworn and each party shall have the right to examine the witness. Objections to questions or documents must be in short form, stating the grounds for the objection. Failure to object to questions or documents is not deemed a waiver except where the ground for objection might have been avoided if the objection had been presented timely. All questions, answers, and objections must be recorded and transcribed. Videotaped depositions must be transcribed for the record; copies and transcriptions must be supplied to each party., (2) Any party may move before the presiding officer for an order compelling the witness to answer any questions the witness has refused to answer or submit any evidence that, during the deposition, the witness has refused to submit., (3) The deposition transcript must be subscribed by the witness, unless the parties and the witness, by stipulation, have waived the signing, or the witness is ill, cannot be found, or has refused to sign. If the deposition is not subscribed by the witness, the court reporter taking the deposition shall certify that the transcript is a true and complete transcript of the deposition., (d) Enforcing subpoenas. If a subpoenaed person fails to comply with any subpoena issued pursuant to this section or with any order of the presiding officer made upon motion under paragraph (c)(2) of this section, the subpoenaing party or other aggrieved party may, to the extent authorized by section 1379D(c) of the Safety and Soundness Act (12 U.S.C. 4641(c)), apply to an appropriate United States district court for an order requiring compliance with the portions of the subpoena that the presiding officer has ordered enforced. A party's right to seek court enforcement of a deposition subpoena in no way limits the sanctions that may be imposed by the presiding officer on a party who fails to comply with or induces a failure to comply with a subpoena issued under this section.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1209"],"part_title":["PART 1209 - RULES OF PRACTICE AND PROCEDURE"],"section":["1209.32"],"section_title":["\u00a7 1209.32 Deposition of witness unavailable for hearing."]},"_input_hash":-1943310968,"_task_hash":1064726706,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711812730,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"(a) General rules. (1) If a witness will not be available for the hearing, a party desiring to preserve that witness's testimony for the record may apply to the presiding officer in accordance with the procedures set forth in paragraph (a)(2) of this section for the issuance of a subpoena or subpoena duces tecum requiring attendance of the witness at a deposition for the purpose of preserving that witness's testimony. The presiding officer may issue a deposition subpoena under this section upon a showing that:, (i) The witness will be unable to attend or may be prevented from attending the testimonial phase of the hearing because of age, sickness, or infirmity, or will be otherwise unavailable;, (ii) The subpoenaing party did not cause or contribute to the unavailability of the witness for the hearing;, (iii) The witness has personal knowledge and the testimony is reasonably expected to be materially relevant to claims, defenses, or matters determined to be at issue in the proceeding; and, (iv) Taking the deposition will not result in any undue burden to any other party and will not cause undue delay of the proceeding., (2) The application must contain a proposed deposition subpoena and a brief statement of the reasons for the issuance of the subpoena. The subpoena must name the witness whose deposition is to be taken and specify the time and place for taking the deposition. A deposition subpoena may require the witness to be deposed anywhere within the United States, or its Territories and possessions, in which that witness resides or has a regular place of employment or such other convenient place as the presiding officer shall fix., (3) Subpoenas must be issued promptly upon request, unless the presiding officer determines that the request fails to set forth a valid basis under this section for its issuance. Before making a determination that there is no valid basis for issuing the subpoena, the presiding officer shall require a written response from the party requesting the subpoena or require attendance at a conference to determine whether there is a valid basis upon which to issue the requested subpoena., (4) The party obtaining a deposition subpoena is responsible for serving it on the witness and for serving copies on all parties. Unless the presiding officer orders otherwise, no deposition under this section shall be taken on fewer than 10 days' notice to the witness and all parties. Deposition subpoenas may be served anywhere within the United States or its Territories and possessions, or on any person doing business anywhere within the United States or its Territories and possessions, or as otherwise permitted by law., (b) Objections to deposition subpoenas. (1) The witness and any party who has not had an opportunity to oppose a deposition subpoena issued under this section may file a motion with the presiding officer under \u00a7 1209.28 of this part to quash or modify the subpoena prior to the time for compliance specified in the subpoena, but not more than 10 days after service of the subpoena., (2) A statement of the basis for the motion to quash or modify a subpoena issued under this section must accompany the motion. The motion must be served on all parties., (c) Procedure upon deposition. (1) Each witness testifying pursuant to a deposition subpoena must be duly sworn and each party shall have the right to examine the witness. Objections to questions or documents must be in short form, stating the grounds for the objection. Failure to object to questions or documents is not deemed a waiver except where the ground for objection might have been avoided if the objection had been presented timely. All questions, answers, and objections must be recorded and transcribed. Videotaped depositions must be transcribed for the record; copies and transcriptions must be supplied to each party., (2) Any party may move before the presiding officer for an order compelling the witness to answer any questions the witness has refused to answer or submit any evidence that, during the deposition, the witness has refused to submit., (3) The deposition transcript must be subscribed by the witness, unless the parties and the witness, by stipulation, have waived the signing, or the witness is ill, cannot be found, or has refused to sign. If the deposition is not subscribed by the witness, the court reporter taking the deposition shall certify that the transcript is a true and complete transcript of the deposition., (d) Enforcing subpoenas. If a subpoenaed person fails to comply with any subpoena issued pursuant to this section or with any order of the presiding officer made upon motion under paragraph (c)(2) of this section, the subpoenaing party or other aggrieved party may, to the extent authorized by section 1379D(c) of the Safety and Soundness Act (12 U.S.C. 4641(c)), apply to an appropriate United States district court for an order requiring compliance with the portions of the subpoena that the presiding officer has ordered enforced. A party's right to seek court enforcement of a deposition subpoena in no way limits the sanctions that may be imposed by the presiding officer on a party who fails to comply with or induces a failure to comply with a subpoena issued under this section.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1209"],"part_title":["PART 1209 - RULES OF PRACTICE AND PROCEDURE"],"section":["1209.32"],"section_title":["\u00a7 1209.32 Deposition of witness unavailable for hearing."]},"_input_hash":-1943310968,"_task_hash":1406517496,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711819917,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"default":true},{"text":"(a) General rules. (1) If a witness will not be available for the hearing, a party desiring to preserve that witness's testimony for the record may apply to the presiding officer in accordance with the procedures set forth in paragraph (a)(2) of this section for the issuance of a subpoena or subpoena duces tecum requiring attendance of the witness at a deposition for the purpose of preserving that witness's testimony. The presiding officer may issue a deposition subpoena under this section upon a showing that:, (i) The witness will be unable to attend or may be prevented from attending the testimonial phase of the hearing because of age, sickness, or infirmity, or will be otherwise unavailable;, (ii) The subpoenaing party did not cause or contribute to the unavailability of the witness for the hearing;, (iii) The witness has personal knowledge and the testimony is reasonably expected to be materially relevant to claims, defenses, or matters determined to be at issue in the proceeding; and, (iv) Taking the deposition will not result in any undue burden to any other party and will not cause undue delay of the proceeding., (2) The application must contain a proposed deposition subpoena and a brief statement of the reasons for the issuance of the subpoena. The subpoena must name the witness whose deposition is to be taken and specify the time and place for taking the deposition. A deposition subpoena may require the witness to be deposed anywhere within the United States, or its Territories and possessions, in which that witness resides or has a regular place of employment or such other convenient place as the presiding officer shall fix., (3) Subpoenas must be issued promptly upon request, unless the presiding officer determines that the request fails to set forth a valid basis under this section for its issuance. Before making a determination that there is no valid basis for issuing the subpoena, the presiding officer shall require a written response from the party requesting the subpoena or require attendance at a conference to determine whether there is a valid basis upon which to issue the requested subpoena., (4) The party obtaining a deposition subpoena is responsible for serving it on the witness and for serving copies on all parties. Unless the presiding officer orders otherwise, no deposition under this section shall be taken on fewer than 10 days' notice to the witness and all parties. Deposition subpoenas may be served anywhere within the United States or its Territories and possessions, or on any person doing business anywhere within the United States or its Territories and possessions, or as otherwise permitted by law., (b) Objections to deposition subpoenas. (1) The witness and any party who has not had an opportunity to oppose a deposition subpoena issued under this section may file a motion with the presiding officer under \u00a7 1209.28 of this part to quash or modify the subpoena prior to the time for compliance specified in the subpoena, but not more than 10 days after service of the subpoena., (2) A statement of the basis for the motion to quash or modify a subpoena issued under this section must accompany the motion. The motion must be served on all parties., (c) Procedure upon deposition. (1) Each witness testifying pursuant to a deposition subpoena must be duly sworn and each party shall have the right to examine the witness. Objections to questions or documents must be in short form, stating the grounds for the objection. Failure to object to questions or documents is not deemed a waiver except where the ground for objection might have been avoided if the objection had been presented timely. All questions, answers, and objections must be recorded and transcribed. Videotaped depositions must be transcribed for the record; copies and transcriptions must be supplied to each party., (2) Any party may move before the presiding officer for an order compelling the witness to answer any questions the witness has refused to answer or submit any evidence that, during the deposition, the witness has refused to submit., (3) The deposition transcript must be subscribed by the witness, unless the parties and the witness, by stipulation, have waived the signing, or the witness is ill, cannot be found, or has refused to sign. If the deposition is not subscribed by the witness, the court reporter taking the deposition shall certify that the transcript is a true and complete transcript of the deposition., (d) Enforcing subpoenas. If a subpoenaed person fails to comply with any subpoena issued pursuant to this section or with any order of the presiding officer made upon motion under paragraph (c)(2) of this section, the subpoenaing party or other aggrieved party may, to the extent authorized by section 1379D(c) of the Safety and Soundness Act (12 U.S.C. 4641(c)), apply to an appropriate United States district court for an order requiring compliance with the portions of the subpoena that the presiding officer has ordered enforced. A party's right to seek court enforcement of a deposition subpoena in no way limits the sanctions that may be imposed by the presiding officer on a party who fails to comply with or induces a failure to comply with a subpoena issued under this section.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1209"],"part_title":["PART 1209 - RULES OF PRACTICE AND PROCEDURE"],"section":["1209.32"],"section_title":["\u00a7 1209.32 Deposition of witness unavailable for hearing."]},"_input_hash":-1943310968,"_task_hash":1078878929,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711828624,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Prohibited corporate practices. A Covered IHC may not directly:, (1) Issue any debt instrument with an original maturity of less than 365 days (one year), including short term deposits and demand deposits, to any person, unless the person is an affiliate of the Covered IHC;, (2) Issue any instrument, or enter into any related contract, with respect to which the holder of the instrument has a contractual right to offset debt owed by the holder or its affiliates to the Covered IHC or a subsidiary of the Covered IHC against the amount, or a portion of the amount, owed by the Covered IHC under the instrument;, (3) Enter into a qualified financial contract that is not a credit enhancement with a person that is not an affiliate of the Covered IHC;, (4) Enter into an agreement in which the Covered IHC guarantees a liability of an affiliate of the Covered IHC if such liability permits the exercise of a default right that is related, directly or indirectly, to the Covered IHC becoming subject to a receivership, insolvency, liquidation, resolution, or similar proceeding other than a receivership proceeding under Title II of the Dodd-Frank Wall Street Reform and Consumer Protection Act (12 U.S.C. 5381 through 5394) unless the liability is subject to requirements of the Board restricting such default rights or subject to any similar requirements of another U.S. federal banking agency; or, (5) Enter into, or otherwise benefit from, any agreement that provides for its liabilities to be guaranteed by any of its subsidiaries., (b) Limit on unrelated liabilities. (1) The aggregate amount, on an unconsolidated basis, of unrelated liabilities of a Covered IHC may not exceed 5 percent of the Covered IHC's Covered IHC total loss-absorbing capacity amount, as calculated under \u00a7 252.165(c)., (2) For purposes of paragraph (b)(1) of this section, an unrelated liability includes:, (i) With respect to a non-resolution Covered IHC, any non-contingent liability of the non-resolution Covered IHC owed to a person that is not an affiliate of the non-resolution Covered IHC other than those liabilities specified in paragraph (b)(3) of this section, and, (ii) With respect to a resolution Covered IHC, any non-contingent liability of the resolution Covered IHC owed to a person that is not a subsidiary of the resolution Covered IHC other than those liabilities specified in paragraph (b)(3) of this section., (3)(i) The instruments that are used to satisfy the Covered IHC's Covered IHC total loss-absorbing capacity amount, as calculated under \u00a7 252.165(a);, (ii) Any dividend or other liability arising from the instruments that are used to satisfy the Covered IHC's Covered IHC total loss-absorbing capacity amount, as calculated under \u00a7 252.165(c)(2);, (iii) An eligible Covered IHC debt security that does not provide the holder of the instrument with a currently exercisable right to require immediate payment of the total or remaining principal amount; and, (iv) A secured liability, to the extent that it is secured, or a liability that otherwise represents a claim that would be senior to eligible Covered IHC debt securities in Title II of the Dodd-Frank Wall Street Reform and Consumer Protection Act (12 U.S.C. 5390(b)) and the Bankruptcy Code (11 U.S.C. 507)., (c) A Covered IHC is not subject to paragraph (b) of this section if all of the eligible Covered IHC debt securities issued by the Covered IHC would represent the most subordinated debt claim in a receivership, insolvency, liquidation, or similar proceeding of the Covered IHC.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["252"],"part_title":["PART 252 - ENHANCED PRUDENTIAL STANDARDS (REGULATION YY)"],"section":["252.166"],"section_title":["\u00a7 252.166 Restrictions on corporate practices of intermediate holding companies of global systemically important foreign banking organizations."]},"_input_hash":-1056831799,"_task_hash":1720706924,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843811,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Prohibited corporate practices. A Covered IHC may not directly:, (1) Issue any debt instrument with an original maturity of less than 365 days (one year), including short term deposits and demand deposits, to any person, unless the person is an affiliate of the Covered IHC;, (2) Issue any instrument, or enter into any related contract, with respect to which the holder of the instrument has a contractual right to offset debt owed by the holder or its affiliates to the Covered IHC or a subsidiary of the Covered IHC against the amount, or a portion of the amount, owed by the Covered IHC under the instrument;, (3) Enter into a qualified financial contract that is not a credit enhancement with a person that is not an affiliate of the Covered IHC;, (4) Enter into an agreement in which the Covered IHC guarantees a liability of an affiliate of the Covered IHC if such liability permits the exercise of a default right that is related, directly or indirectly, to the Covered IHC becoming subject to a receivership, insolvency, liquidation, resolution, or similar proceeding other than a receivership proceeding under Title II of the Dodd-Frank Wall Street Reform and Consumer Protection Act (12 U.S.C. 5381 through 5394) unless the liability is subject to requirements of the Board restricting such default rights or subject to any similar requirements of another U.S. federal banking agency; or, (5) Enter into, or otherwise benefit from, any agreement that provides for its liabilities to be guaranteed by any of its subsidiaries., (b) Limit on unrelated liabilities. (1) The aggregate amount, on an unconsolidated basis, of unrelated liabilities of a Covered IHC may not exceed 5 percent of the Covered IHC's Covered IHC total loss-absorbing capacity amount, as calculated under \u00a7 252.165(c)., (2) For purposes of paragraph (b)(1) of this section, an unrelated liability includes:, (i) With respect to a non-resolution Covered IHC, any non-contingent liability of the non-resolution Covered IHC owed to a person that is not an affiliate of the non-resolution Covered IHC other than those liabilities specified in paragraph (b)(3) of this section, and, (ii) With respect to a resolution Covered IHC, any non-contingent liability of the resolution Covered IHC owed to a person that is not a subsidiary of the resolution Covered IHC other than those liabilities specified in paragraph (b)(3) of this section., (3)(i) The instruments that are used to satisfy the Covered IHC's Covered IHC total loss-absorbing capacity amount, as calculated under \u00a7 252.165(a);, (ii) Any dividend or other liability arising from the instruments that are used to satisfy the Covered IHC's Covered IHC total loss-absorbing capacity amount, as calculated under \u00a7 252.165(c)(2);, (iii) An eligible Covered IHC debt security that does not provide the holder of the instrument with a currently exercisable right to require immediate payment of the total or remaining principal amount; and, (iv) A secured liability, to the extent that it is secured, or a liability that otherwise represents a claim that would be senior to eligible Covered IHC debt securities in Title II of the Dodd-Frank Wall Street Reform and Consumer Protection Act (12 U.S.C. 5390(b)) and the Bankruptcy Code (11 U.S.C. 507)., (c) A Covered IHC is not subject to paragraph (b) of this section if all of the eligible Covered IHC debt securities issued by the Covered IHC would represent the most subordinated debt claim in a receivership, insolvency, liquidation, or similar proceeding of the Covered IHC.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["252"],"part_title":["PART 252 - ENHANCED PRUDENTIAL STANDARDS (REGULATION YY)"],"section":["252.166"],"section_title":["\u00a7 252.166 Restrictions on corporate practices of intermediate holding companies of global systemically important foreign banking organizations."]},"_input_hash":-1056831799,"_task_hash":1720706924,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711812771,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Prohibited corporate practices. A Covered IHC may not directly:, (1) Issue any debt instrument with an original maturity of less than 365 days (one year), including short term deposits and demand deposits, to any person, unless the person is an affiliate of the Covered IHC;, (2) Issue any instrument, or enter into any related contract, with respect to which the holder of the instrument has a contractual right to offset debt owed by the holder or its affiliates to the Covered IHC or a subsidiary of the Covered IHC against the amount, or a portion of the amount, owed by the Covered IHC under the instrument;, (3) Enter into a qualified financial contract that is not a credit enhancement with a person that is not an affiliate of the Covered IHC;, (4) Enter into an agreement in which the Covered IHC guarantees a liability of an affiliate of the Covered IHC if such liability permits the exercise of a default right that is related, directly or indirectly, to the Covered IHC becoming subject to a receivership, insolvency, liquidation, resolution, or similar proceeding other than a receivership proceeding under Title II of the Dodd-Frank Wall Street Reform and Consumer Protection Act (12 U.S.C. 5381 through 5394) unless the liability is subject to requirements of the Board restricting such default rights or subject to any similar requirements of another U.S. federal banking agency; or, (5) Enter into, or otherwise benefit from, any agreement that provides for its liabilities to be guaranteed by any of its subsidiaries., (b) Limit on unrelated liabilities. (1) The aggregate amount, on an unconsolidated basis, of unrelated liabilities of a Covered IHC may not exceed 5 percent of the Covered IHC's Covered IHC total loss-absorbing capacity amount, as calculated under \u00a7 252.165(c)., (2) For purposes of paragraph (b)(1) of this section, an unrelated liability includes:, (i) With respect to a non-resolution Covered IHC, any non-contingent liability of the non-resolution Covered IHC owed to a person that is not an affiliate of the non-resolution Covered IHC other than those liabilities specified in paragraph (b)(3) of this section, and, (ii) With respect to a resolution Covered IHC, any non-contingent liability of the resolution Covered IHC owed to a person that is not a subsidiary of the resolution Covered IHC other than those liabilities specified in paragraph (b)(3) of this section., (3)(i) The instruments that are used to satisfy the Covered IHC's Covered IHC total loss-absorbing capacity amount, as calculated under \u00a7 252.165(a);, (ii) Any dividend or other liability arising from the instruments that are used to satisfy the Covered IHC's Covered IHC total loss-absorbing capacity amount, as calculated under \u00a7 252.165(c)(2);, (iii) An eligible Covered IHC debt security that does not provide the holder of the instrument with a currently exercisable right to require immediate payment of the total or remaining principal amount; and, (iv) A secured liability, to the extent that it is secured, or a liability that otherwise represents a claim that would be senior to eligible Covered IHC debt securities in Title II of the Dodd-Frank Wall Street Reform and Consumer Protection Act (12 U.S.C. 5390(b)) and the Bankruptcy Code (11 U.S.C. 507)., (c) A Covered IHC is not subject to paragraph (b) of this section if all of the eligible Covered IHC debt securities issued by the Covered IHC would represent the most subordinated debt claim in a receivership, insolvency, liquidation, or similar proceeding of the Covered IHC.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["252"],"part_title":["PART 252 - ENHANCED PRUDENTIAL STANDARDS (REGULATION YY)"],"section":["252.166"],"section_title":["\u00a7 252.166 Restrictions on corporate practices of intermediate holding companies of global systemically important foreign banking organizations."]},"_input_hash":-1056831799,"_task_hash":614780341,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711819975,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false}],"view_id":"choice"}
+{"text":"Guaranty agreements under which a percentage of the risk associated with specific loans is assumed may be entered into by or among System banks and associations.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4345"],"section_title":["\u00a7 614.4345 Guaranty agreements."]},"_input_hash":-1428431168,"_task_hash":741705400,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813653,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"Guaranty agreements under which a percentage of the risk associated with specific loans is assumed may be entered into by or among System banks and associations.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4345"],"section_title":["\u00a7 614.4345 Guaranty agreements."]},"_input_hash":-1428431168,"_task_hash":741705400,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813653,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) General organization. NCUA is composed of the Board with a Central Office in Alexandria, Virginia, five Regional Offices, the Asset Management and Assistance Center, the Community Development Revolving Loan Program, and the NCUA Central Liquidity Facility (CLF)., (b) Central Office. The Central Office address is NCUA, 1775 Duke St., Alexandria, Virginia 22314-3428., (1) The NCUA Board. NCUA is managed by its Board. The Board consists of three members appointed by the President, with the advice and consent of the Senate, for six-year terms. One Board member is designated by the President to be Chairman of the Board. The Chairman shall be the spokesman for the Board and shall represent the Board and the NCUA in its official relations with other branches of the government. A second member is designated by the Board to be Vice-Chairman. The Board is also responsible for management of the National Credit Union Share Insurance Fund (NCUSIF) and serves as the Board of Directors of the CLF., (2) Secretary of the Board. The Secretary of the Board is responsible for the secretarial functions of the Board. The Secretary's responsibilities include preparing agendas for meetings of the Board, preparing and maintaining the minutes for all official actions taken by the Board, and executing and maintaining all documents adopted by the Board or under its direction. The Secretary also serves as the Secretary of the CLF., (3) Asset Management and Assistance Center. The President of the Asset Management and Assistance Center (AMAC) is responsible for monitoring, evaluating, disposing, and/or managing major assets acquired by NCUA; responsible for managing involuntary liquidations for all federally insured credit unions placed into involuntary liquidation including the orderly processing of payments of share insurance, sale and/or collection of loan portfolios, liquidation of other assets and achieving other recoveries, payments to creditors, and distributions to any uninsured shareholders. The President, AMAC, serves as a primary consultant with regional offices on asset sales or purchases to restructure problem case credit unions, as technical expert to evaluate specific areas of credit union operations, and as instructor in training classes; responsible to prepare and negotiate bond claims; responsible to manage or assist in the management of conservatorships. The address of AMAC is 4807 Spicewood Springs Road, Suite 5100, Austin, Texas 78759-8490., (4) The Office of the Chief Financial Officer. NCUA's Chief Financial Officer plans, organizes, implements, directs, and provides overall direction and leadership for:, (i) Agency-wide strategic planning, budget formulation, and performance reporting;, (ii) The agency's financial management system and financial reporting functions;, (iii) Procurement and facilities management to include various administrative responsibilities such as property management, mail services, graphics support, supply management, printing, and publications management; and, (iv) Managing the operations of the Operating and Insurance Funds, including payroll, travel policies, revenue assessment, and dividend distributions., (5) Office of Examination and Insurance. The Director of the Office of Examination and Insurance: formulates standards and procedures for examination and supervision of the community of federally insured credit unions, and reports to the Board on the performance of the examination program; manages the risk to the NCUSIF, to include overseeing the NCUSIF Investment Committee, monitoring the adequacy of NCUSIF reserves, analyzing the reasons for NCUSIF losses, formulating policies and procedures regarding the supervision of financially troubled credit unions, and evaluating certain requests for special assistance pursuant to Section 208 of the Federal Credit Union Act and for certain proposed administrative actions regarding federally insured credit unions; serves as the Board expert on accounting principles and standards and on auditing standards; represents NCUA at meetings with the American Institute of Certified Public Accountants (AICPA), Federal Financial Institutions Examination Council (FFIEC) and General Accounting Office (GAO); and collects data and provides statistical reports. The Director is responsible for developing and conducting research in support of NCUA programs, and for preparing reports on research activities for the information and use of agency staff, credit union officials, state credit union supervisory authorities, and other governmental and private groups. The Director is also responsible for providing interest rate risk assessment, investment expertise and advice to the Board and agency staff and conducting research and development to assess risk areas of emerging products, delivery systems, infrastructure issues, and investments., (6) Office of the Executive Director. The Executive Director reports to the entire NCUA Board. The Executive Director translates the NCUA Board policy decisions into workable programs, delegates responsibility for these programs to appropriate staff members, and coordinates the activities of the senior executive staff, which includes: The General Counsel; the Regional Directors; and the Office Directors for the Asset Management and Assistance Center, Chief Economist, Chief Financial Officer, Chief Information Officer, Consumer Financial Protection, Continuity and Security Management, Credit Union Resources and Expansion, Examination and Insurance, Human Resources, Minority and Women Inclusion, National Examinations and Supervision, and External Affairs and Communications. Because of the nature of the attorney/client relationship between the Board and General Counsel, the General Counsel may be directed by the Board not to disclose discussions and/or assignments with anyone, including the Executive Director. The Executive Director is otherwise to be privy to all matters within senior executive staff's responsibility. The Office of the Executive Director also supervises the agency's ombudsman. The ombudsman investigates complaints and recommends solutions on regulatory issues that cannot be resolved at the regional level., (7) Office of General Counsel. The General Counsel reports to the entire NCUA Board. The General Counsel has overall responsibility for all legal matters affecting NCUA and for liaison with the Department of Justice. The General Counsel represents NCUA in all litigation and administrative hearings when such direct representation is permitted by law and, in other instances, assists the attorneys responsible for the conduct of such litigation. The General Counsel also provides NCUA with legal advice and opinions on all matters of law, and the public with interpretations of the Federal Credit Union Act, the NCUA Rules and Regulations, and other NCUA Board directives. The Office has responsibility for processing Freedom of Information Act requests and appeals. The General Counsel has responsibility for the drafting, reviewing, and publication of all items which appear in the Federal Register, including rules, regulations, and notices required by law and carrying out the Board's responsibilities under the Privacy Act., (8) The Office of Human Resources. The Office of Human Resources provides a comprehensive program for the management of NCUA's human resources. This is done in support of NCUA's goal to recruit, develop, and retain a quality and representative workforce. The Director is responsible for managing NCUA's compensation program, for facilitating good organization design, for staffing positions through recruitment and merit promotion programs, and for maintaining an automated personnel records system. The Director is also responsible for the Board's performance management, incentive awards, employee assistance, and benefit programs. These programs are geared to foster healthy employee/management relations and to provide employees with good working conditions. The Director is also responsible for providing a comprehensive program for the training and development of NCUA's staff, including developing policy consistent with the Government Employees Training Act; providing training opportunities equitably so that all employees have the skills necessary to help meet the agency's mission; evaluating the agency's training and development efforts; and ensuring that the agencies training monies are spent in a cost efficient manner and in accordance with the law., (9) Office of the Chief Information Officer. The Chief Information Officer has responsibility for the management and administration of NCUA's information resources. This includes the development, maintenance, operation, and support of information systems which directly support the Agency's mission, maintaining and operating the Agency's information processing infrastructure, responding to requests for releasable Agency information, and insuring all related material security and integrity risks are recognized and controlled as much as possible. The Chief Information Officer is also responsible for carrying out the Board's responsibilities under the Paperwork Reduction Act and in directing NCUA responses to reporting requirements. , (10) Office of the Inspector General. The Inspector General reports directly to the Board and provides semi-annual reports regarding audit and investigation activities to the Board and the Congress. The Inspector General is responsible for: (a) Conducting independent audits and investigations of all NCUA programs and functions to promote efficiency; (b) reviewing policies and procedures to evaluate controls to prevent fraud, waste, and abuse; and (c) reviewing existing and proposed legislation and regulations to evaluate their impact on the economic and efficient administration of the Agency., (11) Office of External Affairs and Communications. The Director of the Office of External Affairs and Communications is responsible for maintaining NCUA's relationship with the public and the media; for liaison with the U.S. Congress, and with other Executive Branch agencies concerning legislative matters; and for the analysis and development of legislative proposals and public affairs programs., (12) Credit Union Resources and Expansion. This Office is responsible for coordinating NCUA policy and actions related to credit union chartering and field of membership, low income designation, and preserving credit unions run by minorities and/or serving minorities. The Office administers the Community Development Revolving Loan Program for Credit Unions (Program). This Program is funded from congressional appropriations and serves as a source of financial support, in the form of technical assistance grants and loans to low-income credit unions serving predominantly low-income members. The Program is governed by part 705 of subchapter A of this chapter., (13) Office of Minority and Women Inclusion. The Office of Minority and Women Inclusion (OMWI) was established pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. The Director of OMWI reports to the NCUA Chairman. OMWI has the responsibility for all NCUA matters relating to diversity in management, employment, and business activities. Specific duties of the Office include developing and implementing standards for: Equal employment opportunity and the racial, ethnic, and gender diversity of the workforce and senior management of the NCUA; increased participation of minority-owned and women-owned businesses in the programs and contracts of the NCUA, including standards for coordinating technical assistance to such businesses; and assessing the diversity policies and practices of credit unions regulated by the NCUA. The Director of OMWI also serves as NCUA's Director of Equal Employment Opportunity., (14) NCUA Central Liquidity Facility (CLF). The CLF was created to improve general financial stability by providing funds to meet the liquidity needs of credit unions. It is a mixed-ownership government corporation under the Government Corporation Control Act (31 U.S.C. 9101 et seq.). The CLF is managed by the President, under the general supervision of the NCUA Board which serves as the CLF Board of Directors. The Chairman of the NCUA Board serves as the Chairman of the CLF Board of Directors. The Secretary of the NCUA Board serves as the Secretary of the CLF Board of Directors. The NCUA Board shall appoint the CLF President and Vice President. , (15) Office of Consumer Financial Protection. (i) The Office of Consumer Financial Protection contains two divisions:, (A) The Division of Consumer Compliance Policy and Outreach; and, (B) The Division of Consumer Affairs;, (ii) The Office provides consumer financial services, including consumer education and complaint resolution; establishes, consolidates, and coordinates consumer financial protections within the agency; oversees the agency's fair lending examination program; and acts as the central liaison on consumer financial protection with other federal agencies., (16) The Office of Chief Economist. The Office of Chief Economist is within the Office of the Executive Director and reports to the Deputy Executive Director. The office analyzes developments in key components of the economy and monitors trends and conditions in the domestic and international markets for money, credit, foreign exchange and commodities, and relates these trends to overall macroeconomic conditions and government monetary and fiscal policies for the purpose of evaluating effects on credit unions. The office provides advice and guidance to the NCUA Board, the Office of the Executive Director, and the Office of Capital Markets., (17) The Office of Continuity and Security Management. The Director of the Office of Continuity and Security Management is responsible for NCUA's emergency preparedness and for coordinating the response to natural disasters or national security events; for timely dissemination of information on cyber threats, terrorism, foreign criminal activity, and other national security threats to the agency or to the credit union sector; and for conducting risk assessments and managing executive branch programs to protect NCUA personnel and facilities, and to safeguard classified national security information., (18) The Office of Business Innovation. The Office of Business Innovation (OBI) serves as a central platform and facilitator for critical agency stakeholders to shape achievable solutions and capabilities to manage evolving business demands. This office manages the agency's Information Technology modernization and business process optimization efforts, from the internal and external business stakeholder perspective, of mission related systems that enable the NCUA's core mission of regulating and supervising credit unions. Additionally, OBI provides enterprise information security support in partnership with the Office of the Chief Information Officer (OCIO) and serves as a center point for enterprise data strategy and governance., (c) Field Offices. NCUA's programs are conducted through Regional Offices and the Office of National Examinations and Supervision., (1) Regional Offices. (i) The NCUA has three Regional Offices:, (ii) A Regional Director is in charge of each Regional Office. The Regional Director manages NCUA's programs in the Region assigned in accordance with established policies. A Regional Director's duties include: Directing examination and supervision programs to promote and assure safety and soundness; assisting other offices in chartering and insurance issues; managing regional resources to meet program objectives in the most economical and practical manner; and maintaining good public relations with public, private, and governmental organizations, federal credit union officials, credit union organizations, and other groups which have an interest in credit union matters in the assigned region. The Regional Director maintains liaison and cooperation with other regional offices of federal departments and agencies, state agencies, city and county officials, and other governmental units that affect credit unions. The Regional Director is aided by Associate Regional Directors. Each region is divided into examiner districts, each assigned to a Supervisory Credit Union Examiner; groups of examiners are directed by a Supervisory Credit Union Examiner, each of whom in turn reports directly to one of the Associate Regional Directors., (2) Office of National Examinations and Supervision. Similar to a Regional Director, the Director of the Office of National Examinations and Supervision manages NCUA's supervisory program over credit unions; however, it oversees the activities for corporate credit unions and of natural person credit unions defined as covered credit unions under part 702 of this chapter, in accordance with established policies. The Director's duties include directing insurance, examination, and supervision programs to promote and assure safety and soundness; managing office resources to meet program objectives in the most economical and practical manner; and maintaining good public relations with public, private and governmental organizations, credit union officials, credit union organizations, and other groups which have an interest in credit union matters in the assigned office. The Director maintains liaison and cooperation with other regional offices of federal departments and agencies, state agencies, and other governmental units that affect credit unions. The Director is aided by a Deputy Director. Staff working in the office report to the Director of Supervision, who in turn reports to the Deputy Director. Field staff is divided into examiner districts, each assigned to a National Field Supervisor, each of whom in turn reports directly to the Deputy Director.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["790"],"part_title":["PART 790 - DESCRIPTION OF NCUA; REQUESTS FOR AGENCY ACTION"],"section":["790.2"],"section_title":["\u00a7 790.2 Central and field office organization."]},"_input_hash":-119595336,"_task_hash":-509732260,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813696,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) General organization. NCUA is composed of the Board with a Central Office in Alexandria, Virginia, five Regional Offices, the Asset Management and Assistance Center, the Community Development Revolving Loan Program, and the NCUA Central Liquidity Facility (CLF)., (b) Central Office. The Central Office address is NCUA, 1775 Duke St., Alexandria, Virginia 22314-3428., (1) The NCUA Board. NCUA is managed by its Board. The Board consists of three members appointed by the President, with the advice and consent of the Senate, for six-year terms. One Board member is designated by the President to be Chairman of the Board. The Chairman shall be the spokesman for the Board and shall represent the Board and the NCUA in its official relations with other branches of the government. A second member is designated by the Board to be Vice-Chairman. The Board is also responsible for management of the National Credit Union Share Insurance Fund (NCUSIF) and serves as the Board of Directors of the CLF., (2) Secretary of the Board. The Secretary of the Board is responsible for the secretarial functions of the Board. The Secretary's responsibilities include preparing agendas for meetings of the Board, preparing and maintaining the minutes for all official actions taken by the Board, and executing and maintaining all documents adopted by the Board or under its direction. The Secretary also serves as the Secretary of the CLF., (3) Asset Management and Assistance Center. The President of the Asset Management and Assistance Center (AMAC) is responsible for monitoring, evaluating, disposing, and/or managing major assets acquired by NCUA; responsible for managing involuntary liquidations for all federally insured credit unions placed into involuntary liquidation including the orderly processing of payments of share insurance, sale and/or collection of loan portfolios, liquidation of other assets and achieving other recoveries, payments to creditors, and distributions to any uninsured shareholders. The President, AMAC, serves as a primary consultant with regional offices on asset sales or purchases to restructure problem case credit unions, as technical expert to evaluate specific areas of credit union operations, and as instructor in training classes; responsible to prepare and negotiate bond claims; responsible to manage or assist in the management of conservatorships. The address of AMAC is 4807 Spicewood Springs Road, Suite 5100, Austin, Texas 78759-8490., (4) The Office of the Chief Financial Officer. NCUA's Chief Financial Officer plans, organizes, implements, directs, and provides overall direction and leadership for:, (i) Agency-wide strategic planning, budget formulation, and performance reporting;, (ii) The agency's financial management system and financial reporting functions;, (iii) Procurement and facilities management to include various administrative responsibilities such as property management, mail services, graphics support, supply management, printing, and publications management; and, (iv) Managing the operations of the Operating and Insurance Funds, including payroll, travel policies, revenue assessment, and dividend distributions., (5) Office of Examination and Insurance. The Director of the Office of Examination and Insurance: formulates standards and procedures for examination and supervision of the community of federally insured credit unions, and reports to the Board on the performance of the examination program; manages the risk to the NCUSIF, to include overseeing the NCUSIF Investment Committee, monitoring the adequacy of NCUSIF reserves, analyzing the reasons for NCUSIF losses, formulating policies and procedures regarding the supervision of financially troubled credit unions, and evaluating certain requests for special assistance pursuant to Section 208 of the Federal Credit Union Act and for certain proposed administrative actions regarding federally insured credit unions; serves as the Board expert on accounting principles and standards and on auditing standards; represents NCUA at meetings with the American Institute of Certified Public Accountants (AICPA), Federal Financial Institutions Examination Council (FFIEC) and General Accounting Office (GAO); and collects data and provides statistical reports. The Director is responsible for developing and conducting research in support of NCUA programs, and for preparing reports on research activities for the information and use of agency staff, credit union officials, state credit union supervisory authorities, and other governmental and private groups. The Director is also responsible for providing interest rate risk assessment, investment expertise and advice to the Board and agency staff and conducting research and development to assess risk areas of emerging products, delivery systems, infrastructure issues, and investments., (6) Office of the Executive Director. The Executive Director reports to the entire NCUA Board. The Executive Director translates the NCUA Board policy decisions into workable programs, delegates responsibility for these programs to appropriate staff members, and coordinates the activities of the senior executive staff, which includes: The General Counsel; the Regional Directors; and the Office Directors for the Asset Management and Assistance Center, Chief Economist, Chief Financial Officer, Chief Information Officer, Consumer Financial Protection, Continuity and Security Management, Credit Union Resources and Expansion, Examination and Insurance, Human Resources, Minority and Women Inclusion, National Examinations and Supervision, and External Affairs and Communications. Because of the nature of the attorney/client relationship between the Board and General Counsel, the General Counsel may be directed by the Board not to disclose discussions and/or assignments with anyone, including the Executive Director. The Executive Director is otherwise to be privy to all matters within senior executive staff's responsibility. The Office of the Executive Director also supervises the agency's ombudsman. The ombudsman investigates complaints and recommends solutions on regulatory issues that cannot be resolved at the regional level., (7) Office of General Counsel. The General Counsel reports to the entire NCUA Board. The General Counsel has overall responsibility for all legal matters affecting NCUA and for liaison with the Department of Justice. The General Counsel represents NCUA in all litigation and administrative hearings when such direct representation is permitted by law and, in other instances, assists the attorneys responsible for the conduct of such litigation. The General Counsel also provides NCUA with legal advice and opinions on all matters of law, and the public with interpretations of the Federal Credit Union Act, the NCUA Rules and Regulations, and other NCUA Board directives. The Office has responsibility for processing Freedom of Information Act requests and appeals. The General Counsel has responsibility for the drafting, reviewing, and publication of all items which appear in the Federal Register, including rules, regulations, and notices required by law and carrying out the Board's responsibilities under the Privacy Act., (8) The Office of Human Resources. The Office of Human Resources provides a comprehensive program for the management of NCUA's human resources. This is done in support of NCUA's goal to recruit, develop, and retain a quality and representative workforce. The Director is responsible for managing NCUA's compensation program, for facilitating good organization design, for staffing positions through recruitment and merit promotion programs, and for maintaining an automated personnel records system. The Director is also responsible for the Board's performance management, incentive awards, employee assistance, and benefit programs. These programs are geared to foster healthy employee/management relations and to provide employees with good working conditions. The Director is also responsible for providing a comprehensive program for the training and development of NCUA's staff, including developing policy consistent with the Government Employees Training Act; providing training opportunities equitably so that all employees have the skills necessary to help meet the agency's mission; evaluating the agency's training and development efforts; and ensuring that the agencies training monies are spent in a cost efficient manner and in accordance with the law., (9) Office of the Chief Information Officer. The Chief Information Officer has responsibility for the management and administration of NCUA's information resources. This includes the development, maintenance, operation, and support of information systems which directly support the Agency's mission, maintaining and operating the Agency's information processing infrastructure, responding to requests for releasable Agency information, and insuring all related material security and integrity risks are recognized and controlled as much as possible. The Chief Information Officer is also responsible for carrying out the Board's responsibilities under the Paperwork Reduction Act and in directing NCUA responses to reporting requirements. , (10) Office of the Inspector General. The Inspector General reports directly to the Board and provides semi-annual reports regarding audit and investigation activities to the Board and the Congress. The Inspector General is responsible for: (a) Conducting independent audits and investigations of all NCUA programs and functions to promote efficiency; (b) reviewing policies and procedures to evaluate controls to prevent fraud, waste, and abuse; and (c) reviewing existing and proposed legislation and regulations to evaluate their impact on the economic and efficient administration of the Agency., (11) Office of External Affairs and Communications. The Director of the Office of External Affairs and Communications is responsible for maintaining NCUA's relationship with the public and the media; for liaison with the U.S. Congress, and with other Executive Branch agencies concerning legislative matters; and for the analysis and development of legislative proposals and public affairs programs., (12) Credit Union Resources and Expansion. This Office is responsible for coordinating NCUA policy and actions related to credit union chartering and field of membership, low income designation, and preserving credit unions run by minorities and/or serving minorities. The Office administers the Community Development Revolving Loan Program for Credit Unions (Program). This Program is funded from congressional appropriations and serves as a source of financial support, in the form of technical assistance grants and loans to low-income credit unions serving predominantly low-income members. The Program is governed by part 705 of subchapter A of this chapter., (13) Office of Minority and Women Inclusion. The Office of Minority and Women Inclusion (OMWI) was established pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. The Director of OMWI reports to the NCUA Chairman. OMWI has the responsibility for all NCUA matters relating to diversity in management, employment, and business activities. Specific duties of the Office include developing and implementing standards for: Equal employment opportunity and the racial, ethnic, and gender diversity of the workforce and senior management of the NCUA; increased participation of minority-owned and women-owned businesses in the programs and contracts of the NCUA, including standards for coordinating technical assistance to such businesses; and assessing the diversity policies and practices of credit unions regulated by the NCUA. The Director of OMWI also serves as NCUA's Director of Equal Employment Opportunity., (14) NCUA Central Liquidity Facility (CLF). The CLF was created to improve general financial stability by providing funds to meet the liquidity needs of credit unions. It is a mixed-ownership government corporation under the Government Corporation Control Act (31 U.S.C. 9101 et seq.). The CLF is managed by the President, under the general supervision of the NCUA Board which serves as the CLF Board of Directors. The Chairman of the NCUA Board serves as the Chairman of the CLF Board of Directors. The Secretary of the NCUA Board serves as the Secretary of the CLF Board of Directors. The NCUA Board shall appoint the CLF President and Vice President. , (15) Office of Consumer Financial Protection. (i) The Office of Consumer Financial Protection contains two divisions:, (A) The Division of Consumer Compliance Policy and Outreach; and, (B) The Division of Consumer Affairs;, (ii) The Office provides consumer financial services, including consumer education and complaint resolution; establishes, consolidates, and coordinates consumer financial protections within the agency; oversees the agency's fair lending examination program; and acts as the central liaison on consumer financial protection with other federal agencies., (16) The Office of Chief Economist. The Office of Chief Economist is within the Office of the Executive Director and reports to the Deputy Executive Director. The office analyzes developments in key components of the economy and monitors trends and conditions in the domestic and international markets for money, credit, foreign exchange and commodities, and relates these trends to overall macroeconomic conditions and government monetary and fiscal policies for the purpose of evaluating effects on credit unions. The office provides advice and guidance to the NCUA Board, the Office of the Executive Director, and the Office of Capital Markets., (17) The Office of Continuity and Security Management. The Director of the Office of Continuity and Security Management is responsible for NCUA's emergency preparedness and for coordinating the response to natural disasters or national security events; for timely dissemination of information on cyber threats, terrorism, foreign criminal activity, and other national security threats to the agency or to the credit union sector; and for conducting risk assessments and managing executive branch programs to protect NCUA personnel and facilities, and to safeguard classified national security information., (18) The Office of Business Innovation. The Office of Business Innovation (OBI) serves as a central platform and facilitator for critical agency stakeholders to shape achievable solutions and capabilities to manage evolving business demands. This office manages the agency's Information Technology modernization and business process optimization efforts, from the internal and external business stakeholder perspective, of mission related systems that enable the NCUA's core mission of regulating and supervising credit unions. Additionally, OBI provides enterprise information security support in partnership with the Office of the Chief Information Officer (OCIO) and serves as a center point for enterprise data strategy and governance., (c) Field Offices. NCUA's programs are conducted through Regional Offices and the Office of National Examinations and Supervision., (1) Regional Offices. (i) The NCUA has three Regional Offices:, (ii) A Regional Director is in charge of each Regional Office. The Regional Director manages NCUA's programs in the Region assigned in accordance with established policies. A Regional Director's duties include: Directing examination and supervision programs to promote and assure safety and soundness; assisting other offices in chartering and insurance issues; managing regional resources to meet program objectives in the most economical and practical manner; and maintaining good public relations with public, private, and governmental organizations, federal credit union officials, credit union organizations, and other groups which have an interest in credit union matters in the assigned region. The Regional Director maintains liaison and cooperation with other regional offices of federal departments and agencies, state agencies, city and county officials, and other governmental units that affect credit unions. The Regional Director is aided by Associate Regional Directors. Each region is divided into examiner districts, each assigned to a Supervisory Credit Union Examiner; groups of examiners are directed by a Supervisory Credit Union Examiner, each of whom in turn reports directly to one of the Associate Regional Directors., (2) Office of National Examinations and Supervision. Similar to a Regional Director, the Director of the Office of National Examinations and Supervision manages NCUA's supervisory program over credit unions; however, it oversees the activities for corporate credit unions and of natural person credit unions defined as covered credit unions under part 702 of this chapter, in accordance with established policies. The Director's duties include directing insurance, examination, and supervision programs to promote and assure safety and soundness; managing office resources to meet program objectives in the most economical and practical manner; and maintaining good public relations with public, private and governmental organizations, credit union officials, credit union organizations, and other groups which have an interest in credit union matters in the assigned office. The Director maintains liaison and cooperation with other regional offices of federal departments and agencies, state agencies, and other governmental units that affect credit unions. The Director is aided by a Deputy Director. Staff working in the office report to the Director of Supervision, who in turn reports to the Deputy Director. Field staff is divided into examiner districts, each assigned to a National Field Supervisor, each of whom in turn reports directly to the Deputy Director.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["790"],"part_title":["PART 790 - DESCRIPTION OF NCUA; REQUESTS FOR AGENCY ACTION"],"section":["790.2"],"section_title":["\u00a7 790.2 Central and field office organization."]},"_input_hash":-119595336,"_task_hash":-509732260,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813696,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) Except as expressly provided herein for enforcement by FHFA, the regulations in this part do not, are not intended to, and should not be construed to create any right or benefit, substantive or procedural, enforceable at law, in equity, or through administrative proceeding, by any party against the United States, its departments, agencies, or entities, its officers, employees, or agents, a regulated entity, their officers, employees or agents, or any other person., (b) The contract clause required by \u00a7 1223.21(b)(9) and the itemized data reporting on numbers of contracts and amounts involved required under \u00a7\u00a7 1223.22 and 1223.23(b)(13) through (22) apply only to contracts for services in any amount and to contracts for goods that equal or exceed $25,000 in annual value, whether in a single contract, multiple contracts, a series of contracts or renewals of contracts, with a single vendor., (c) Within ninety (90) days after August 24, 2017 each regulated entity shall submit to FHFA a list of the types of contracts it considers exempt under \u00a7 1223.3(b) and any thresholds, exceptions, and limitations the regulated entity establishes for the implementation of \u00a7 1223.21(c)(2). The submission shall address the criteria identified in \u00a7 1223.21(b)(9)., (d) Each regulated entity shall notify FHFA within thirty (30) days after any change in the types of contracts it considers exempt under \u00a7 1223.3(b) or any change in the thresholds, exceptions, and limitations the regulated entity establishes for the implementation of \u00a7 1223.21(c)(2).","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - ENTITY REGULATIONS"],"part":["1223"],"part_title":["PART 1223 - MINORITY AND WOMEN INCLUSION"],"section":["1223.3"],"section_title":["\u00a7 1223.3 Limitations."]},"_input_hash":1540451920,"_task_hash":95082981,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843813,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) Except as expressly provided herein for enforcement by FHFA, the regulations in this part do not, are not intended to, and should not be construed to create any right or benefit, substantive or procedural, enforceable at law, in equity, or through administrative proceeding, by any party against the United States, its departments, agencies, or entities, its officers, employees, or agents, a regulated entity, their officers, employees or agents, or any other person., (b) The contract clause required by \u00a7 1223.21(b)(9) and the itemized data reporting on numbers of contracts and amounts involved required under \u00a7\u00a7 1223.22 and 1223.23(b)(13) through (22) apply only to contracts for services in any amount and to contracts for goods that equal or exceed $25,000 in annual value, whether in a single contract, multiple contracts, a series of contracts or renewals of contracts, with a single vendor., (c) Within ninety (90) days after August 24, 2017 each regulated entity shall submit to FHFA a list of the types of contracts it considers exempt under \u00a7 1223.3(b) and any thresholds, exceptions, and limitations the regulated entity establishes for the implementation of \u00a7 1223.21(c)(2). The submission shall address the criteria identified in \u00a7 1223.21(b)(9)., (d) Each regulated entity shall notify FHFA within thirty (30) days after any change in the types of contracts it considers exempt under \u00a7 1223.3(b) or any change in the thresholds, exceptions, and limitations the regulated entity establishes for the implementation of \u00a7 1223.21(c)(2).","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - ENTITY REGULATIONS"],"part":["1223"],"part_title":["PART 1223 - MINORITY AND WOMEN INCLUSION"],"section":["1223.3"],"section_title":["\u00a7 1223.3 Limitations."]},"_input_hash":1540451920,"_task_hash":95082981,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711812993,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) Except as expressly provided herein for enforcement by FHFA, the regulations in this part do not, are not intended to, and should not be construed to create any right or benefit, substantive or procedural, enforceable at law, in equity, or through administrative proceeding, by any party against the United States, its departments, agencies, or entities, its officers, employees, or agents, a regulated entity, their officers, employees or agents, or any other person., (b) The contract clause required by \u00a7 1223.21(b)(9) and the itemized data reporting on numbers of contracts and amounts involved required under \u00a7\u00a7 1223.22 and 1223.23(b)(13) through (22) apply only to contracts for services in any amount and to contracts for goods that equal or exceed $25,000 in annual value, whether in a single contract, multiple contracts, a series of contracts or renewals of contracts, with a single vendor., (c) Within ninety (90) days after August 24, 2017 each regulated entity shall submit to FHFA a list of the types of contracts it considers exempt under \u00a7 1223.3(b) and any thresholds, exceptions, and limitations the regulated entity establishes for the implementation of \u00a7 1223.21(c)(2). The submission shall address the criteria identified in \u00a7 1223.21(b)(9)., (d) Each regulated entity shall notify FHFA within thirty (30) days after any change in the types of contracts it considers exempt under \u00a7 1223.3(b) or any change in the thresholds, exceptions, and limitations the regulated entity establishes for the implementation of \u00a7 1223.21(c)(2).","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - ENTITY REGULATIONS"],"part":["1223"],"part_title":["PART 1223 - MINORITY AND WOMEN INCLUSION"],"section":["1223.3"],"section_title":["\u00a7 1223.3 Limitations."]},"_input_hash":1540451920,"_task_hash":1486523946,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711828756,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false},{"text":"(a) Except as expressly provided herein for enforcement by FHFA, the regulations in this part do not, are not intended to, and should not be construed to create any right or benefit, substantive or procedural, enforceable at law, in equity, or through administrative proceeding, by any party against the United States, its departments, agencies, or entities, its officers, employees, or agents, a regulated entity, their officers, employees or agents, or any other person., (b) The contract clause required by \u00a7 1223.21(b)(9) and the itemized data reporting on numbers of contracts and amounts involved required under \u00a7\u00a7 1223.22 and 1223.23(b)(13) through (22) apply only to contracts for services in any amount and to contracts for goods that equal or exceed $25,000 in annual value, whether in a single contract, multiple contracts, a series of contracts or renewals of contracts, with a single vendor., (c) Within ninety (90) days after August 24, 2017 each regulated entity shall submit to FHFA a list of the types of contracts it considers exempt under \u00a7 1223.3(b) and any thresholds, exceptions, and limitations the regulated entity establishes for the implementation of \u00a7 1223.21(c)(2). The submission shall address the criteria identified in \u00a7 1223.21(b)(9)., (d) Each regulated entity shall notify FHFA within thirty (30) days after any change in the types of contracts it considers exempt under \u00a7 1223.3(b) or any change in the thresholds, exceptions, and limitations the regulated entity establishes for the implementation of \u00a7 1223.21(c)(2).","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - ENTITY REGULATIONS"],"part":["1223"],"part_title":["PART 1223 - MINORITY AND WOMEN INCLUSION"],"section":["1223.3"],"section_title":["\u00a7 1223.3 Limitations."]},"_input_hash":1540451920,"_task_hash":-928184100,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711835416,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Schedule for filing compliance plan - (1) In general. A bank or state savings association shall file a written safety and soundness compliance plan with the FDIC within 30 days of receiving a request for a compliance plan pursuant to \u00a7 308.302(b), unless the FDIC notifies the bank or state savings association in writing that the plan is to be filed within a different period., (2) Other plans. If a bank or state savings association is obligated to file, or is currently operating under, a capital restoration plan submitted pursuant to section 38 of the FDI Act (12 U.S.C. 1831o), a cease-and-desist order entered into pursuant to section 8 of the FDI Act, a formal or informal agreement, or a response to a report of examination or report of inspection, it may, with the permission of the FDIC, submit a compliance plan under this section as part of that plan, order, agreement, or response, subject to the deadline provided in paragraph (a)(1) of this section., (b) Contents of plan. The compliance plan shall include a description of the steps the bank or state savings association will take to correct the deficiency and the time within which those steps will be taken., (c) Review of safety and soundness compliance plans. Within 30 days after receiving a safety and soundness compliance plan under this subpart, the FDIC shall provide written notice to the bank or state savings association of whether the plan has been approved or seek additional information from the bank or state savings association regarding the plan. The FDIC may extend the time within which notice regarding approval of a plan will be provided., (d) Failure to submit or implement a compliance plan - (1) Supervisory actions. If a bank or state savings association fails to submit an acceptable plan within the time specified by the FDIC or fails in any material respect to implement a compliance plan, then the FDIC shall, by order, require the bank or state savings association to correct the deficiency and may take further actions provided in section 39(e)(2)(B). Pursuant to section 39(e)(3), the FDIC may be required to take certain actions if the bank or state savings association commenced operations or experienced a change in control within the previous 24-month period, or the bank or state savings association experienced extraordinary growth during the previous 18-month period., (2) Extraordinary growth. For purposes of paragraph (d)(1) of this section, extraordinary growth means an increase in assets of more than 7.5 percent during any quarter within the 18-month period preceding the issuance of a request for submission of a compliance plan, by a bank or state savings association that is not well capitalized for purposes of section 38 of the FDI Act. For purposes of calculating an increase in assets, assets acquired through merger or acquisition approved pursuant to the Bank Merger Act (12 U.S.C. 1828(c)) will be excluded., (e) Amendment of compliance plan. A bank or state savings association that has filed an approved compliance plan may, after prior written notice to and approval by the FDIC, amend the plan to reflect a change in circumstance. Until such time as a proposed amendment has been approved, the bank or state savings association shall implement the compliance plan as previously approved.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.303"],"section_title":["\u00a7 308.303 Filing of safety and soundness compliance plan."]},"_input_hash":-6622123,"_task_hash":711312075,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843814,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Schedule for filing compliance plan - (1) In general. A bank or state savings association shall file a written safety and soundness compliance plan with the FDIC within 30 days of receiving a request for a compliance plan pursuant to \u00a7 308.302(b), unless the FDIC notifies the bank or state savings association in writing that the plan is to be filed within a different period., (2) Other plans. If a bank or state savings association is obligated to file, or is currently operating under, a capital restoration plan submitted pursuant to section 38 of the FDI Act (12 U.S.C. 1831o), a cease-and-desist order entered into pursuant to section 8 of the FDI Act, a formal or informal agreement, or a response to a report of examination or report of inspection, it may, with the permission of the FDIC, submit a compliance plan under this section as part of that plan, order, agreement, or response, subject to the deadline provided in paragraph (a)(1) of this section., (b) Contents of plan. The compliance plan shall include a description of the steps the bank or state savings association will take to correct the deficiency and the time within which those steps will be taken., (c) Review of safety and soundness compliance plans. Within 30 days after receiving a safety and soundness compliance plan under this subpart, the FDIC shall provide written notice to the bank or state savings association of whether the plan has been approved or seek additional information from the bank or state savings association regarding the plan. The FDIC may extend the time within which notice regarding approval of a plan will be provided., (d) Failure to submit or implement a compliance plan - (1) Supervisory actions. If a bank or state savings association fails to submit an acceptable plan within the time specified by the FDIC or fails in any material respect to implement a compliance plan, then the FDIC shall, by order, require the bank or state savings association to correct the deficiency and may take further actions provided in section 39(e)(2)(B). Pursuant to section 39(e)(3), the FDIC may be required to take certain actions if the bank or state savings association commenced operations or experienced a change in control within the previous 24-month period, or the bank or state savings association experienced extraordinary growth during the previous 18-month period., (2) Extraordinary growth. For purposes of paragraph (d)(1) of this section, extraordinary growth means an increase in assets of more than 7.5 percent during any quarter within the 18-month period preceding the issuance of a request for submission of a compliance plan, by a bank or state savings association that is not well capitalized for purposes of section 38 of the FDI Act. For purposes of calculating an increase in assets, assets acquired through merger or acquisition approved pursuant to the Bank Merger Act (12 U.S.C. 1828(c)) will be excluded., (e) Amendment of compliance plan. A bank or state savings association that has filed an approved compliance plan may, after prior written notice to and approval by the FDIC, amend the plan to reflect a change in circumstance. Until such time as a proposed amendment has been approved, the bank or state savings association shall implement the compliance plan as previously approved.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.303"],"section_title":["\u00a7 308.303 Filing of safety and soundness compliance plan."]},"_input_hash":-6622123,"_task_hash":711312075,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813015,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Schedule for filing compliance plan - (1) In general. A bank or state savings association shall file a written safety and soundness compliance plan with the FDIC within 30 days of receiving a request for a compliance plan pursuant to \u00a7 308.302(b), unless the FDIC notifies the bank or state savings association in writing that the plan is to be filed within a different period., (2) Other plans. If a bank or state savings association is obligated to file, or is currently operating under, a capital restoration plan submitted pursuant to section 38 of the FDI Act (12 U.S.C. 1831o), a cease-and-desist order entered into pursuant to section 8 of the FDI Act, a formal or informal agreement, or a response to a report of examination or report of inspection, it may, with the permission of the FDIC, submit a compliance plan under this section as part of that plan, order, agreement, or response, subject to the deadline provided in paragraph (a)(1) of this section., (b) Contents of plan. The compliance plan shall include a description of the steps the bank or state savings association will take to correct the deficiency and the time within which those steps will be taken., (c) Review of safety and soundness compliance plans. Within 30 days after receiving a safety and soundness compliance plan under this subpart, the FDIC shall provide written notice to the bank or state savings association of whether the plan has been approved or seek additional information from the bank or state savings association regarding the plan. The FDIC may extend the time within which notice regarding approval of a plan will be provided., (d) Failure to submit or implement a compliance plan - (1) Supervisory actions. If a bank or state savings association fails to submit an acceptable plan within the time specified by the FDIC or fails in any material respect to implement a compliance plan, then the FDIC shall, by order, require the bank or state savings association to correct the deficiency and may take further actions provided in section 39(e)(2)(B). Pursuant to section 39(e)(3), the FDIC may be required to take certain actions if the bank or state savings association commenced operations or experienced a change in control within the previous 24-month period, or the bank or state savings association experienced extraordinary growth during the previous 18-month period., (2) Extraordinary growth. For purposes of paragraph (d)(1) of this section, extraordinary growth means an increase in assets of more than 7.5 percent during any quarter within the 18-month period preceding the issuance of a request for submission of a compliance plan, by a bank or state savings association that is not well capitalized for purposes of section 38 of the FDI Act. For purposes of calculating an increase in assets, assets acquired through merger or acquisition approved pursuant to the Bank Merger Act (12 U.S.C. 1828(c)) will be excluded., (e) Amendment of compliance plan. A bank or state savings association that has filed an approved compliance plan may, after prior written notice to and approval by the FDIC, amend the plan to reflect a change in circumstance. Until such time as a proposed amendment has been approved, the bank or state savings association shall implement the compliance plan as previously approved.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.303"],"section_title":["\u00a7 308.303 Filing of safety and soundness compliance plan."]},"_input_hash":-6622123,"_task_hash":135197386,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711828795,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) The agency shall make promptly available to the public, in the Public Reference Room, the transcript, electronic recording, or minutes of any meeting, deleting any agenda item or any item of the testimony of a witness received at a closed meeting which the Board determined, pursuant to paragraph (c) of this section, was exempt from disclosure under \u00a7 791.12(a). The exemption or exemptions relied upon for any deleted information shall be reflected on any record or recording. , (b) Copies of any transcript, minutes or transcription of a recording, disclosing the identity of each speaker, shall be furnished to any person requesting such information in the form specified in paragraph (a) of this section. Copies shall be furnished at the actual cost of duplication or transcription unless waived by the Secretary of the Board. , (c) Following each meeting or any portion of a meeting closed pursuant to \u00a7 791.12(a), the General Counsel or his designee, after consultation with the Secretary of the Board, shall determine which, if any, portions of the meeting transcript, electronic recording or minutes not otherwise available under 5 U.S.C. 552a (the Privacy Act) contain information which should be withheld pursuant to \u00a7 791.12(a). If, at a later time, the Board determines that there is no further justification for withholding any meeting record or other item of information from the public which has previously been withheld, then such information shall be made available to the public. , (d) Except for information determined by the Board to be exempt from disclosure pursuant to paragraph (c) of this section, meeting records shall be promptly available to the public in the Public Reference Room. Meeting records include but are not limited to: The transcript, electronic recording or minutes of each meeting, as required by \u00a7 791.17(a); the notice requirements of \u00a7\u00a7 791.13 and 791.14(c); and the General Counsel Certification along with the presiding officer's statement, as required by \u00a7 791.16. , (e) These provisions do not affect the procedures set forth in part 792, subpart A, governing the inspection and copying of agency records, except that the exemptions set forth in \u00a7 791.12(a) of this subpart and in 5 U.S.C. 552b(c) shall govern in the case of a request made pursuant to part 792, subpart A, to copy or inspect the meeting records described in this section. Any documents considered or mentioned at Board meetings may be obtained subject to the procedures set forth in part 792, subpart A. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["791"],"part_title":["PART 791 - RULES OF NCUA BOARD PROCEDURE; PROMULGATION OF NCUA RULES AND REGULATIONS; PUBLIC OBSERVATION OF NCUA BOARD MEETINGS"],"section":["791.18"],"section_title":["\u00a7 791.18 Public availability of meeting records and other documents."]},"_input_hash":955702146,"_task_hash":-364387666,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843816,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) The agency shall make promptly available to the public, in the Public Reference Room, the transcript, electronic recording, or minutes of any meeting, deleting any agenda item or any item of the testimony of a witness received at a closed meeting which the Board determined, pursuant to paragraph (c) of this section, was exempt from disclosure under \u00a7 791.12(a). The exemption or exemptions relied upon for any deleted information shall be reflected on any record or recording. , (b) Copies of any transcript, minutes or transcription of a recording, disclosing the identity of each speaker, shall be furnished to any person requesting such information in the form specified in paragraph (a) of this section. Copies shall be furnished at the actual cost of duplication or transcription unless waived by the Secretary of the Board. , (c) Following each meeting or any portion of a meeting closed pursuant to \u00a7 791.12(a), the General Counsel or his designee, after consultation with the Secretary of the Board, shall determine which, if any, portions of the meeting transcript, electronic recording or minutes not otherwise available under 5 U.S.C. 552a (the Privacy Act) contain information which should be withheld pursuant to \u00a7 791.12(a). If, at a later time, the Board determines that there is no further justification for withholding any meeting record or other item of information from the public which has previously been withheld, then such information shall be made available to the public. , (d) Except for information determined by the Board to be exempt from disclosure pursuant to paragraph (c) of this section, meeting records shall be promptly available to the public in the Public Reference Room. Meeting records include but are not limited to: The transcript, electronic recording or minutes of each meeting, as required by \u00a7 791.17(a); the notice requirements of \u00a7\u00a7 791.13 and 791.14(c); and the General Counsel Certification along with the presiding officer's statement, as required by \u00a7 791.16. , (e) These provisions do not affect the procedures set forth in part 792, subpart A, governing the inspection and copying of agency records, except that the exemptions set forth in \u00a7 791.12(a) of this subpart and in 5 U.S.C. 552b(c) shall govern in the case of a request made pursuant to part 792, subpart A, to copy or inspect the meeting records described in this section. Any documents considered or mentioned at Board meetings may be obtained subject to the procedures set forth in part 792, subpart A. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["791"],"part_title":["PART 791 - RULES OF NCUA BOARD PROCEDURE; PROMULGATION OF NCUA RULES AND REGULATIONS; PUBLIC OBSERVATION OF NCUA BOARD MEETINGS"],"section":["791.18"],"section_title":["\u00a7 791.18 Public availability of meeting records and other documents."]},"_input_hash":955702146,"_task_hash":-364387666,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813035,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) The agency shall make promptly available to the public, in the Public Reference Room, the transcript, electronic recording, or minutes of any meeting, deleting any agenda item or any item of the testimony of a witness received at a closed meeting which the Board determined, pursuant to paragraph (c) of this section, was exempt from disclosure under \u00a7 791.12(a). The exemption or exemptions relied upon for any deleted information shall be reflected on any record or recording. , (b) Copies of any transcript, minutes or transcription of a recording, disclosing the identity of each speaker, shall be furnished to any person requesting such information in the form specified in paragraph (a) of this section. Copies shall be furnished at the actual cost of duplication or transcription unless waived by the Secretary of the Board. , (c) Following each meeting or any portion of a meeting closed pursuant to \u00a7 791.12(a), the General Counsel or his designee, after consultation with the Secretary of the Board, shall determine which, if any, portions of the meeting transcript, electronic recording or minutes not otherwise available under 5 U.S.C. 552a (the Privacy Act) contain information which should be withheld pursuant to \u00a7 791.12(a). If, at a later time, the Board determines that there is no further justification for withholding any meeting record or other item of information from the public which has previously been withheld, then such information shall be made available to the public. , (d) Except for information determined by the Board to be exempt from disclosure pursuant to paragraph (c) of this section, meeting records shall be promptly available to the public in the Public Reference Room. Meeting records include but are not limited to: The transcript, electronic recording or minutes of each meeting, as required by \u00a7 791.17(a); the notice requirements of \u00a7\u00a7 791.13 and 791.14(c); and the General Counsel Certification along with the presiding officer's statement, as required by \u00a7 791.16. , (e) These provisions do not affect the procedures set forth in part 792, subpart A, governing the inspection and copying of agency records, except that the exemptions set forth in \u00a7 791.12(a) of this subpart and in 5 U.S.C. 552b(c) shall govern in the case of a request made pursuant to part 792, subpart A, to copy or inspect the meeting records described in this section. Any documents considered or mentioned at Board meetings may be obtained subject to the procedures set forth in part 792, subpart A. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["791"],"part_title":["PART 791 - RULES OF NCUA BOARD PROCEDURE; PROMULGATION OF NCUA RULES AND REGULATIONS; PUBLIC OBSERVATION OF NCUA BOARD MEETINGS"],"section":["791.18"],"section_title":["\u00a7 791.18 Public availability of meeting records and other documents."]},"_input_hash":955702146,"_task_hash":993944230,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711835457,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Authority and OMB control number - (1) Authority. The authority for this part is 12 U.S.C. 1814-1817, 1819-1820, 1828, 1831u and 2901-2907, 3103-3104, and 3108(a). , (2) OMB control number. The information collection requirements contained in this part were approved by the Office of Management and Budget under the provisions of 44 U.S.C. 3501 et seq. and have been assigned OMB control number 3064-0092. , (b) Purposes. In enacting the Community Reinvestment Act (CRA), the Congress required each appropriate Federal financial supervisory agency to assess an institution's record of helping to meet the credit needs of the local communities in which the institution is chartered, consistent with the safe and sound operation of the institution, and to take this record into account in the agency's evaluation of an application for a deposit facility by the institution. This part is intended to carry out the purposes of the CRA by: , (1) Establishing the framework and criteria by which the Federal Deposit Insurance Corporation (FDIC) assesses a bank's record of helping to meet the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with the safe and sound operation of the bank; and , (2) Providing that the FDIC takes that record into account in considering certain applications. , (c) Scope - (1) General. Except for certain special purpose banks described in paragraph (c)(3) of this section, this part applies to all insured State nonmember banks, including insured State branches as described in paragraph (c)(2) and any uninsured State branch that results from an acquisition described in section 5(a)(8) of the International Banking Act of 1978 (12 U.S.C. 3103(a)(8)). , (2) Insured State branches. Insured State branches are branches of a foreign bank established and operating under the laws of any State, the deposits of which are insured in accordance with the provisions of the Federal Deposit Insurance Act. In the case of insured State branches, references in this part to main office mean the principal branch within the United States and the term branch or branches refers to any insured State branch or branches located within the United States. The assessment area of an insured State branch is the community or communities located within the United States served by the branch as described in \u00a7 345.41. , (3) Certain special purpose banks. This part does not apply to special purpose banks that do not perform commercial or retail banking services by granting credit to the public in the ordinary course of business, other than as incident to their specialized operations. These banks include banker's banks, as defined in 12 U.S.C. 24 (Seventh), and banks that engage only in one or more of the following activities: providing cash management controlled disbursement services or serving as correspondent banks, trust companies, or clearing agents. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["345"],"part_title":["PART 345 - COMMUNITY REINVESTMENT"],"section":["345.11"],"section_title":["\u00a7 345.11 Authority, purposes, and scope."]},"_input_hash":636039326,"_task_hash":1552710145,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843818,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Authority and OMB control number - (1) Authority. The authority for this part is 12 U.S.C. 1814-1817, 1819-1820, 1828, 1831u and 2901-2907, 3103-3104, and 3108(a). , (2) OMB control number. The information collection requirements contained in this part were approved by the Office of Management and Budget under the provisions of 44 U.S.C. 3501 et seq. and have been assigned OMB control number 3064-0092. , (b) Purposes. In enacting the Community Reinvestment Act (CRA), the Congress required each appropriate Federal financial supervisory agency to assess an institution's record of helping to meet the credit needs of the local communities in which the institution is chartered, consistent with the safe and sound operation of the institution, and to take this record into account in the agency's evaluation of an application for a deposit facility by the institution. This part is intended to carry out the purposes of the CRA by: , (1) Establishing the framework and criteria by which the Federal Deposit Insurance Corporation (FDIC) assesses a bank's record of helping to meet the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with the safe and sound operation of the bank; and , (2) Providing that the FDIC takes that record into account in considering certain applications. , (c) Scope - (1) General. Except for certain special purpose banks described in paragraph (c)(3) of this section, this part applies to all insured State nonmember banks, including insured State branches as described in paragraph (c)(2) and any uninsured State branch that results from an acquisition described in section 5(a)(8) of the International Banking Act of 1978 (12 U.S.C. 3103(a)(8)). , (2) Insured State branches. Insured State branches are branches of a foreign bank established and operating under the laws of any State, the deposits of which are insured in accordance with the provisions of the Federal Deposit Insurance Act. In the case of insured State branches, references in this part to main office mean the principal branch within the United States and the term branch or branches refers to any insured State branch or branches located within the United States. The assessment area of an insured State branch is the community or communities located within the United States served by the branch as described in \u00a7 345.41. , (3) Certain special purpose banks. This part does not apply to special purpose banks that do not perform commercial or retail banking services by granting credit to the public in the ordinary course of business, other than as incident to their specialized operations. These banks include banker's banks, as defined in 12 U.S.C. 24 (Seventh), and banks that engage only in one or more of the following activities: providing cash management controlled disbursement services or serving as correspondent banks, trust companies, or clearing agents. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["345"],"part_title":["PART 345 - COMMUNITY REINVESTMENT"],"section":["345.11"],"section_title":["\u00a7 345.11 Authority, purposes, and scope."]},"_input_hash":636039326,"_task_hash":-1811375695,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813057,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"(a) Authority and OMB control number - (1) Authority. The authority for this part is 12 U.S.C. 1814-1817, 1819-1820, 1828, 1831u and 2901-2907, 3103-3104, and 3108(a). , (2) OMB control number. The information collection requirements contained in this part were approved by the Office of Management and Budget under the provisions of 44 U.S.C. 3501 et seq. and have been assigned OMB control number 3064-0092. , (b) Purposes. In enacting the Community Reinvestment Act (CRA), the Congress required each appropriate Federal financial supervisory agency to assess an institution's record of helping to meet the credit needs of the local communities in which the institution is chartered, consistent with the safe and sound operation of the institution, and to take this record into account in the agency's evaluation of an application for a deposit facility by the institution. This part is intended to carry out the purposes of the CRA by: , (1) Establishing the framework and criteria by which the Federal Deposit Insurance Corporation (FDIC) assesses a bank's record of helping to meet the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with the safe and sound operation of the bank; and , (2) Providing that the FDIC takes that record into account in considering certain applications. , (c) Scope - (1) General. Except for certain special purpose banks described in paragraph (c)(3) of this section, this part applies to all insured State nonmember banks, including insured State branches as described in paragraph (c)(2) and any uninsured State branch that results from an acquisition described in section 5(a)(8) of the International Banking Act of 1978 (12 U.S.C. 3103(a)(8)). , (2) Insured State branches. Insured State branches are branches of a foreign bank established and operating under the laws of any State, the deposits of which are insured in accordance with the provisions of the Federal Deposit Insurance Act. In the case of insured State branches, references in this part to main office mean the principal branch within the United States and the term branch or branches refers to any insured State branch or branches located within the United States. The assessment area of an insured State branch is the community or communities located within the United States served by the branch as described in \u00a7 345.41. , (3) Certain special purpose banks. This part does not apply to special purpose banks that do not perform commercial or retail banking services by granting credit to the public in the ordinary course of business, other than as incident to their specialized operations. These banks include banker's banks, as defined in 12 U.S.C. 24 (Seventh), and banks that engage only in one or more of the following activities: providing cash management controlled disbursement services or serving as correspondent banks, trust companies, or clearing agents. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["345"],"part_title":["PART 345 - COMMUNITY REINVESTMENT"],"section":["345.11"],"section_title":["\u00a7 345.11 Authority, purposes, and scope."]},"_input_hash":636039326,"_task_hash":112279952,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711820200,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) Authority and OMB control number - (1) Authority. The authority for this part is 12 U.S.C. 1814-1817, 1819-1820, 1828, 1831u and 2901-2907, 3103-3104, and 3108(a). , (2) OMB control number. The information collection requirements contained in this part were approved by the Office of Management and Budget under the provisions of 44 U.S.C. 3501 et seq. and have been assigned OMB control number 3064-0092. , (b) Purposes. In enacting the Community Reinvestment Act (CRA), the Congress required each appropriate Federal financial supervisory agency to assess an institution's record of helping to meet the credit needs of the local communities in which the institution is chartered, consistent with the safe and sound operation of the institution, and to take this record into account in the agency's evaluation of an application for a deposit facility by the institution. This part is intended to carry out the purposes of the CRA by: , (1) Establishing the framework and criteria by which the Federal Deposit Insurance Corporation (FDIC) assesses a bank's record of helping to meet the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with the safe and sound operation of the bank; and , (2) Providing that the FDIC takes that record into account in considering certain applications. , (c) Scope - (1) General. Except for certain special purpose banks described in paragraph (c)(3) of this section, this part applies to all insured State nonmember banks, including insured State branches as described in paragraph (c)(2) and any uninsured State branch that results from an acquisition described in section 5(a)(8) of the International Banking Act of 1978 (12 U.S.C. 3103(a)(8)). , (2) Insured State branches. Insured State branches are branches of a foreign bank established and operating under the laws of any State, the deposits of which are insured in accordance with the provisions of the Federal Deposit Insurance Act. In the case of insured State branches, references in this part to main office mean the principal branch within the United States and the term branch or branches refers to any insured State branch or branches located within the United States. The assessment area of an insured State branch is the community or communities located within the United States served by the branch as described in \u00a7 345.41. , (3) Certain special purpose banks. This part does not apply to special purpose banks that do not perform commercial or retail banking services by granting credit to the public in the ordinary course of business, other than as incident to their specialized operations. These banks include banker's banks, as defined in 12 U.S.C. 24 (Seventh), and banks that engage only in one or more of the following activities: providing cash management controlled disbursement services or serving as correspondent banks, trust companies, or clearing agents. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["345"],"part_title":["PART 345 - COMMUNITY REINVESTMENT"],"section":["345.11"],"section_title":["\u00a7 345.11 Authority, purposes, and scope."]},"_input_hash":636039326,"_task_hash":1552710145,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711828840,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) Review of results. Based on the results of the analysis conducted under this subpart, the Board will conduct an evaluation to determine whether the covered company has the capital, on a total consolidated basis, necessary to absorb losses and continue its operation by maintaining ready access to funding, meeting its obligations to creditors and other counterparties, and continuing to serve as a credit intermediary under baseline, adverse and severely adverse scenarios, and any additional scenarios., (b) Publication of results by the Board. (1) The Board will publicly disclose a summary of the results of the Board's analyses of a covered company by June 30 of the calendar year in which the stress test was conducted pursuant to \u00a7 252.44., (2) The Board will notify companies of the date on which it expects to publicly disclose a summary of the Board's analyses pursuant to paragraph (b)(1) of this section at least 14 calendar days prior to the expected disclosure date.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["252"],"part_title":["PART 252 - ENHANCED PRUDENTIAL STANDARDS (REGULATION YY)"],"section":["252.46"],"section_title":["\u00a7 252.46 Review of the Board's analysis; publication of summary results."]},"_input_hash":-235840372,"_task_hash":-827252037,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843819,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\""],"versions":[{"text":"(a) Review of results. Based on the results of the analysis conducted under this subpart, the Board will conduct an evaluation to determine whether the covered company has the capital, on a total consolidated basis, necessary to absorb losses and continue its operation by maintaining ready access to funding, meeting its obligations to creditors and other counterparties, and continuing to serve as a credit intermediary under baseline, adverse and severely adverse scenarios, and any additional scenarios., (b) Publication of results by the Board. (1) The Board will publicly disclose a summary of the results of the Board's analyses of a covered company by June 30 of the calendar year in which the stress test was conducted pursuant to \u00a7 252.44., (2) The Board will notify companies of the date on which it expects to publicly disclose a summary of the Board's analyses pursuant to paragraph (b)(1) of this section at least 14 calendar days prior to the expected disclosure date.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["252"],"part_title":["PART 252 - ENHANCED PRUDENTIAL STANDARDS (REGULATION YY)"],"section":["252.46"],"section_title":["\u00a7 252.46 Review of the Board's analysis; publication of summary results."]},"_input_hash":-235840372,"_task_hash":805513981,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813128,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"(a) Review of results. Based on the results of the analysis conducted under this subpart, the Board will conduct an evaluation to determine whether the covered company has the capital, on a total consolidated basis, necessary to absorb losses and continue its operation by maintaining ready access to funding, meeting its obligations to creditors and other counterparties, and continuing to serve as a credit intermediary under baseline, adverse and severely adverse scenarios, and any additional scenarios., (b) Publication of results by the Board. (1) The Board will publicly disclose a summary of the results of the Board's analyses of a covered company by June 30 of the calendar year in which the stress test was conducted pursuant to \u00a7 252.44., (2) The Board will notify companies of the date on which it expects to publicly disclose a summary of the Board's analyses pursuant to paragraph (b)(1) of this section at least 14 calendar days prior to the expected disclosure date.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["252"],"part_title":["PART 252 - ENHANCED PRUDENTIAL STANDARDS (REGULATION YY)"],"section":["252.46"],"section_title":["\u00a7 252.46 Review of the Board's analysis; publication of summary results."]},"_input_hash":-235840372,"_task_hash":-827252037,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711820295,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\""],"default":true},{"text":"(a) Review of results. Based on the results of the analysis conducted under this subpart, the Board will conduct an evaluation to determine whether the covered company has the capital, on a total consolidated basis, necessary to absorb losses and continue its operation by maintaining ready access to funding, meeting its obligations to creditors and other counterparties, and continuing to serve as a credit intermediary under baseline, adverse and severely adverse scenarios, and any additional scenarios., (b) Publication of results by the Board. (1) The Board will publicly disclose a summary of the results of the Board's analyses of a covered company by June 30 of the calendar year in which the stress test was conducted pursuant to \u00a7 252.44., (2) The Board will notify companies of the date on which it expects to publicly disclose a summary of the Board's analyses pursuant to paragraph (b)(1) of this section at least 14 calendar days prior to the expected disclosure date.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["252"],"part_title":["PART 252 - ENHANCED PRUDENTIAL STANDARDS (REGULATION YY)"],"section":["252.46"],"section_title":["\u00a7 252.46 Review of the Board's analysis; publication of summary results."]},"_input_hash":-235840372,"_task_hash":1698769561,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711835548,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"For text of the interpretation on Arranging for extensions of credit to be made by a bank, see 12 CFR 220.111.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["221"],"part_title":["PART 221 - CREDIT BY BANKS AND PERSONS OTHER THAN BROKERS OR DEALERS FOR THE PURPOSE OF PURCHASING OR CARRYING MARGIN STOCK (REGULATION U)"],"section":["221.105"],"section_title":["\u00a7 221.105 Arranging for extensions of credit to be made by a bank."]},"_input_hash":566724290,"_task_hash":796590564,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843821,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"For text of the interpretation on Arranging for extensions of credit to be made by a bank, see 12 CFR 220.111.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["221"],"part_title":["PART 221 - CREDIT BY BANKS AND PERSONS OTHER THAN BROKERS OR DEALERS FOR THE PURPOSE OF PURCHASING OR CARRYING MARGIN STOCK (REGULATION U)"],"section":["221.105"],"section_title":["\u00a7 221.105 Arranging for extensions of credit to be made by a bank."]},"_input_hash":566724290,"_task_hash":796590564,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813170,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"For text of the interpretation on Arranging for extensions of credit to be made by a bank, see 12 CFR 220.111.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["221"],"part_title":["PART 221 - CREDIT BY BANKS AND PERSONS OTHER THAN BROKERS OR DEALERS FOR THE PURPOSE OF PURCHASING OR CARRYING MARGIN STOCK (REGULATION U)"],"section":["221.105"],"section_title":["\u00a7 221.105 Arranging for extensions of credit to be made by a bank."]},"_input_hash":566724290,"_task_hash":1698433390,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711835634,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Registration of bank holding companies. Each company shall register within 180 days after becoming a bank holding company by furnishing information in the manner and form prescribed by the Board. A company that receives the Board's prior approval under subpart B of this part to become a bank holding company may complete this registration requirement through submission of its first annual report to the Board as required by paragraph (b) of this section., (b) Reports of bank holding companies. Each bank holding company shall furnish, in the manner and form prescribed by the Board, an annual report of the company's operations for the fiscal year in which it becomes a bank holding company, and for each fiscal year during which it remains a bank holding company. Additional information and reports shall be furnished as the Board may require., (c) Examinations and inspections. The Board may examine or inspect any bank holding company and each of its subsidiaries and prepare a report of their operations and activities. With respect to a foreign banking organization, the Board may also examine any branch or agency of a foreign bank in any state of the United States and may examine or inspect each of the organization's subsidiaries in the United States and prepare reports of their operations and activities. The Board shall rely, as far as possible, on the reports of examination made by the primary federal or state supervisor of the subsidiary bank of the bank holding company or of the branch or agency of the foreign bank.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["225"],"part_title":["PART 225 - BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y)"],"section":["225.5"],"section_title":["\u00a7 225.5 Registration, reports, and inspections."]},"_input_hash":-354093671,"_task_hash":620369923,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843823,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) Registration of bank holding companies. Each company shall register within 180 days after becoming a bank holding company by furnishing information in the manner and form prescribed by the Board. A company that receives the Board's prior approval under subpart B of this part to become a bank holding company may complete this registration requirement through submission of its first annual report to the Board as required by paragraph (b) of this section., (b) Reports of bank holding companies. Each bank holding company shall furnish, in the manner and form prescribed by the Board, an annual report of the company's operations for the fiscal year in which it becomes a bank holding company, and for each fiscal year during which it remains a bank holding company. Additional information and reports shall be furnished as the Board may require., (c) Examinations and inspections. The Board may examine or inspect any bank holding company and each of its subsidiaries and prepare a report of their operations and activities. With respect to a foreign banking organization, the Board may also examine any branch or agency of a foreign bank in any state of the United States and may examine or inspect each of the organization's subsidiaries in the United States and prepare reports of their operations and activities. The Board shall rely, as far as possible, on the reports of examination made by the primary federal or state supervisor of the subsidiary bank of the bank holding company or of the branch or agency of the foreign bank.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["225"],"part_title":["PART 225 - BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y)"],"section":["225.5"],"section_title":["\u00a7 225.5 Registration, reports, and inspections."]},"_input_hash":-354093671,"_task_hash":620369923,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813217,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) Registration of bank holding companies. Each company shall register within 180 days after becoming a bank holding company by furnishing information in the manner and form prescribed by the Board. A company that receives the Board's prior approval under subpart B of this part to become a bank holding company may complete this registration requirement through submission of its first annual report to the Board as required by paragraph (b) of this section., (b) Reports of bank holding companies. Each bank holding company shall furnish, in the manner and form prescribed by the Board, an annual report of the company's operations for the fiscal year in which it becomes a bank holding company, and for each fiscal year during which it remains a bank holding company. Additional information and reports shall be furnished as the Board may require., (c) Examinations and inspections. The Board may examine or inspect any bank holding company and each of its subsidiaries and prepare a report of their operations and activities. With respect to a foreign banking organization, the Board may also examine any branch or agency of a foreign bank in any state of the United States and may examine or inspect each of the organization's subsidiaries in the United States and prepare reports of their operations and activities. The Board shall rely, as far as possible, on the reports of examination made by the primary federal or state supervisor of the subsidiary bank of the bank holding company or of the branch or agency of the foreign bank.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["225"],"part_title":["PART 225 - BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y)"],"section":["225.5"],"section_title":["\u00a7 225.5 Registration, reports, and inspections."]},"_input_hash":-354093671,"_task_hash":252398111,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711828933,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false},{"text":"(a) Registration of bank holding companies. Each company shall register within 180 days after becoming a bank holding company by furnishing information in the manner and form prescribed by the Board. A company that receives the Board's prior approval under subpart B of this part to become a bank holding company may complete this registration requirement through submission of its first annual report to the Board as required by paragraph (b) of this section., (b) Reports of bank holding companies. Each bank holding company shall furnish, in the manner and form prescribed by the Board, an annual report of the company's operations for the fiscal year in which it becomes a bank holding company, and for each fiscal year during which it remains a bank holding company. Additional information and reports shall be furnished as the Board may require., (c) Examinations and inspections. The Board may examine or inspect any bank holding company and each of its subsidiaries and prepare a report of their operations and activities. With respect to a foreign banking organization, the Board may also examine any branch or agency of a foreign bank in any state of the United States and may examine or inspect each of the organization's subsidiaries in the United States and prepare reports of their operations and activities. The Board shall rely, as far as possible, on the reports of examination made by the primary federal or state supervisor of the subsidiary bank of the bank holding company or of the branch or agency of the foreign bank.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["225"],"part_title":["PART 225 - BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y)"],"section":["225.5"],"section_title":["\u00a7 225.5 Registration, reports, and inspections."]},"_input_hash":-354093671,"_task_hash":477395640,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711835654,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Exclusions. Before excluding a contractor, the FDIC shall send it a written notice of possible cause to exclude. Such notice shall include: , (1) Notification that exclusion for a specified period of time is being considered based on the specified cause(s) in \u00a7 367.6 to be relied upon; , (2) Identification of the event(s), circumstance(s), or condition(s) that indicates that there is cause to believe a cause for exclusion exists, described in sufficient detail to put the contractor on notice of the conduct or transaction(s) upon which an exclusion proceeding is based; , (3) Notification that the contractor is not prohibited from contracting with the FDIC unless and until it is either suspended from FDIC contracting or the FDIC Ethics Counselor issues a decision excluding the contractor, provided however, in any case where the possible cause for exclusion would also be an impediment to the contractor's eligibility pursuant to 12 CFR part 366, the contractor's eligibility for any contract will be determined under that part; and , (4) Notification of the regulatory provisions governing the exclusion proceeding and the potential effect of a final exclusion decision. , (b) Suspensions. Before suspending a contractor, the FDIC shall send it notice, including: , (1) Notice that a suspension is being imposed based on specified causes in \u00a7 367.8; , (2) Identification of the event(s), circumstance(s), or condition(s) that indicate that there is adequate evidence to believe a cause for suspension exists, described in sufficient detail to put the contractor on notice of the basis for the suspension, recognizing that the conduct of ongoing investigations and legal proceedings, including criminal proceedings, place limitations on the evidence that can be released; , (3) Notification that the suspension prohibits the contractor from contracting with the FDIC for a temporary period, pending the completion of an investigation or other legal proceedings; and , (4) Notification of the regulatory provisions governing the suspension proceeding. , (c) Service of notices. Notices will be sent to the contractor by first class mail, postage prepaid. For purposes of compliance with this section, notice shall be considered to have been received by the contractor if the notice is properly mailed to the last known address of such contractor. Whenever practical, a copy of the notice will also be transmitted to the contractor by facsimile. In the event the notice is not sent by facsimile, a copy will be sent by an overnight delivery service such as Express Mail or a commercial equivalent. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["367"],"part_title":["PART 367 - SUSPENSION AND EXCLUSION OF CONTRACTOR AND TERMINATION OF CONTRACTS"],"section":["367.13"],"section_title":["\u00a7 367.13 Notices."]},"_input_hash":1837865125,"_task_hash":1693996146,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843837,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Exclusions. Before excluding a contractor, the FDIC shall send it a written notice of possible cause to exclude. Such notice shall include: , (1) Notification that exclusion for a specified period of time is being considered based on the specified cause(s) in \u00a7 367.6 to be relied upon; , (2) Identification of the event(s), circumstance(s), or condition(s) that indicates that there is cause to believe a cause for exclusion exists, described in sufficient detail to put the contractor on notice of the conduct or transaction(s) upon which an exclusion proceeding is based; , (3) Notification that the contractor is not prohibited from contracting with the FDIC unless and until it is either suspended from FDIC contracting or the FDIC Ethics Counselor issues a decision excluding the contractor, provided however, in any case where the possible cause for exclusion would also be an impediment to the contractor's eligibility pursuant to 12 CFR part 366, the contractor's eligibility for any contract will be determined under that part; and , (4) Notification of the regulatory provisions governing the exclusion proceeding and the potential effect of a final exclusion decision. , (b) Suspensions. Before suspending a contractor, the FDIC shall send it notice, including: , (1) Notice that a suspension is being imposed based on specified causes in \u00a7 367.8; , (2) Identification of the event(s), circumstance(s), or condition(s) that indicate that there is adequate evidence to believe a cause for suspension exists, described in sufficient detail to put the contractor on notice of the basis for the suspension, recognizing that the conduct of ongoing investigations and legal proceedings, including criminal proceedings, place limitations on the evidence that can be released; , (3) Notification that the suspension prohibits the contractor from contracting with the FDIC for a temporary period, pending the completion of an investigation or other legal proceedings; and , (4) Notification of the regulatory provisions governing the suspension proceeding. , (c) Service of notices. Notices will be sent to the contractor by first class mail, postage prepaid. For purposes of compliance with this section, notice shall be considered to have been received by the contractor if the notice is properly mailed to the last known address of such contractor. Whenever practical, a copy of the notice will also be transmitted to the contractor by facsimile. In the event the notice is not sent by facsimile, a copy will be sent by an overnight delivery service such as Express Mail or a commercial equivalent. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["367"],"part_title":["PART 367 - SUSPENSION AND EXCLUSION OF CONTRACTOR AND TERMINATION OF CONTRACTS"],"section":["367.13"],"section_title":["\u00a7 367.13 Notices."]},"_input_hash":1837865125,"_task_hash":1693996146,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813238,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Exclusions. Before excluding a contractor, the FDIC shall send it a written notice of possible cause to exclude. Such notice shall include: , (1) Notification that exclusion for a specified period of time is being considered based on the specified cause(s) in \u00a7 367.6 to be relied upon; , (2) Identification of the event(s), circumstance(s), or condition(s) that indicates that there is cause to believe a cause for exclusion exists, described in sufficient detail to put the contractor on notice of the conduct or transaction(s) upon which an exclusion proceeding is based; , (3) Notification that the contractor is not prohibited from contracting with the FDIC unless and until it is either suspended from FDIC contracting or the FDIC Ethics Counselor issues a decision excluding the contractor, provided however, in any case where the possible cause for exclusion would also be an impediment to the contractor's eligibility pursuant to 12 CFR part 366, the contractor's eligibility for any contract will be determined under that part; and , (4) Notification of the regulatory provisions governing the exclusion proceeding and the potential effect of a final exclusion decision. , (b) Suspensions. Before suspending a contractor, the FDIC shall send it notice, including: , (1) Notice that a suspension is being imposed based on specified causes in \u00a7 367.8; , (2) Identification of the event(s), circumstance(s), or condition(s) that indicate that there is adequate evidence to believe a cause for suspension exists, described in sufficient detail to put the contractor on notice of the basis for the suspension, recognizing that the conduct of ongoing investigations and legal proceedings, including criminal proceedings, place limitations on the evidence that can be released; , (3) Notification that the suspension prohibits the contractor from contracting with the FDIC for a temporary period, pending the completion of an investigation or other legal proceedings; and , (4) Notification of the regulatory provisions governing the suspension proceeding. , (c) Service of notices. Notices will be sent to the contractor by first class mail, postage prepaid. For purposes of compliance with this section, notice shall be considered to have been received by the contractor if the notice is properly mailed to the last known address of such contractor. Whenever practical, a copy of the notice will also be transmitted to the contractor by facsimile. In the event the notice is not sent by facsimile, a copy will be sent by an overnight delivery service such as Express Mail or a commercial equivalent. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["367"],"part_title":["PART 367 - SUSPENSION AND EXCLUSION OF CONTRACTOR AND TERMINATION OF CONTRACTS"],"section":["367.13"],"section_title":["\u00a7 367.13 Notices."]},"_input_hash":1837865125,"_task_hash":-179767140,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711820425,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\""],"default":false}],"view_id":"choice"}
+{"text":"(a) An employee served with a demand or a subpoena in a legal proceeding must immediately tell the General Counsel of such service, the testimony or documents described in the demand, and all relevant facts., (b) When the Chairman does not allow testimony or production of documents, FCA Counsel will provide the regulations in this subpart to the party or court issuing the demand and explain that the employee may not testify or produce documents without the Chairman's prior approval., (c) If the court rules the employee must comply with the demand regardless of the Chairman's instructions not to do so, the employee must respectfully refuse to comply., (d) FCA's decision under this subpart to comply or not to comply with any demand is not a waiver, an assertion of privilege, or an objection based on relevance, technical deficiency, or any other ground. We may oppose any demand on any legal ground.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ADMINISTRATIVE PROVISIONS"],"part":["602"],"part_title":["PART 602 - RELEASING INFORMATION"],"section":["602.23"],"section_title":["\u00a7 602.23 Responses to demands served on FCA employees."]},"_input_hash":-437177965,"_task_hash":13768315,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843840,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"(a) An employee served with a demand or a subpoena in a legal proceeding must immediately tell the General Counsel of such service, the testimony or documents described in the demand, and all relevant facts., (b) When the Chairman does not allow testimony or production of documents, FCA Counsel will provide the regulations in this subpart to the party or court issuing the demand and explain that the employee may not testify or produce documents without the Chairman's prior approval., (c) If the court rules the employee must comply with the demand regardless of the Chairman's instructions not to do so, the employee must respectfully refuse to comply., (d) FCA's decision under this subpart to comply or not to comply with any demand is not a waiver, an assertion of privilege, or an objection based on relevance, technical deficiency, or any other ground. We may oppose any demand on any legal ground.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ADMINISTRATIVE PROVISIONS"],"part":["602"],"part_title":["PART 602 - RELEASING INFORMATION"],"section":["602.23"],"section_title":["\u00a7 602.23 Responses to demands served on FCA employees."]},"_input_hash":-437177965,"_task_hash":13768315,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813286,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"(a) An employee served with a demand or a subpoena in a legal proceeding must immediately tell the General Counsel of such service, the testimony or documents described in the demand, and all relevant facts., (b) When the Chairman does not allow testimony or production of documents, FCA Counsel will provide the regulations in this subpart to the party or court issuing the demand and explain that the employee may not testify or produce documents without the Chairman's prior approval., (c) If the court rules the employee must comply with the demand regardless of the Chairman's instructions not to do so, the employee must respectfully refuse to comply., (d) FCA's decision under this subpart to comply or not to comply with any demand is not a waiver, an assertion of privilege, or an objection based on relevance, technical deficiency, or any other ground. We may oppose any demand on any legal ground.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ADMINISTRATIVE PROVISIONS"],"part":["602"],"part_title":["PART 602 - RELEASING INFORMATION"],"section":["602.23"],"section_title":["\u00a7 602.23 Responses to demands served on FCA employees."]},"_input_hash":-437177965,"_task_hash":1028147988,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711820443,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Upon the approval of the board of directors of the respective Farm Credit System institutions, any System bank, association, or service corporation or service association may enter into an agreement to share loan and other losses with any other institution(s) of the System. As appropriate, a loss-sharing agreement may contain provisions relating to definitions of terms, terms and conditions for activation, determinations of assessment formulas, limitations on assessments, reimbursements, administration, arbitration, and provisions for amendment and termination., (b) System institutions may agree among themselves to share losses for the purpose of protecting against the impairment of capital stock or participation certificates, or for any other purpose. Agreements may provide for sharing losses that arise in the future or that were recognized by one or more of the signatory institutions before the date of the agreement. Agreements may contain provisions that are not entirely reciprocal among the signatories to the agreement. Loss-sharing agreements can provide for the sharing of loan losses, operating losses, casualty losses, losses on high risk assets, or any other losses.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4340"],"section_title":["\u00a7 614.4340 General."]},"_input_hash":981235243,"_task_hash":-430152081,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843841,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) Upon the approval of the board of directors of the respective Farm Credit System institutions, any System bank, association, or service corporation or service association may enter into an agreement to share loan and other losses with any other institution(s) of the System. As appropriate, a loss-sharing agreement may contain provisions relating to definitions of terms, terms and conditions for activation, determinations of assessment formulas, limitations on assessments, reimbursements, administration, arbitration, and provisions for amendment and termination., (b) System institutions may agree among themselves to share losses for the purpose of protecting against the impairment of capital stock or participation certificates, or for any other purpose. Agreements may provide for sharing losses that arise in the future or that were recognized by one or more of the signatory institutions before the date of the agreement. Agreements may contain provisions that are not entirely reciprocal among the signatories to the agreement. Loss-sharing agreements can provide for the sharing of loan losses, operating losses, casualty losses, losses on high risk assets, or any other losses.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4340"],"section_title":["\u00a7 614.4340 General."]},"_input_hash":981235243,"_task_hash":-430152081,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813300,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) Upon the approval of the board of directors of the respective Farm Credit System institutions, any System bank, association, or service corporation or service association may enter into an agreement to share loan and other losses with any other institution(s) of the System. As appropriate, a loss-sharing agreement may contain provisions relating to definitions of terms, terms and conditions for activation, determinations of assessment formulas, limitations on assessments, reimbursements, administration, arbitration, and provisions for amendment and termination., (b) System institutions may agree among themselves to share losses for the purpose of protecting against the impairment of capital stock or participation certificates, or for any other purpose. Agreements may provide for sharing losses that arise in the future or that were recognized by one or more of the signatory institutions before the date of the agreement. Agreements may contain provisions that are not entirely reciprocal among the signatories to the agreement. Loss-sharing agreements can provide for the sharing of loan losses, operating losses, casualty losses, losses on high risk assets, or any other losses.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4340"],"section_title":["\u00a7 614.4340 General."]},"_input_hash":981235243,"_task_hash":-1581351911,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711835847,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"Each State electing to register AMCs pursuant to paragraph (b)(1) of this section must:, (a) Establish and maintain within the State appraiser certifying and licensing agency a licensing program that is subject to the limitations set forth in \u00a7 323.12 and with the legal authority and mechanisms to:, (1) Review and approve or deny an AMC's application for initial registration;, (2) Review and renew or review and deny an AMC's registration periodically;, (3) Examine the books and records of an AMC operating in the State and require the AMC to submit reports, information, and documents;, (4) Verify that the appraisers on the AMC's appraiser panel hold valid State certifications or licenses, as applicable;, (5) Conduct investigations of AMCs to assess potential violations of applicable appraisal-related laws, regulations, or orders;, (6) Discipline, suspend, terminate, or deny renewal of the registration of an AMC that violates applicable appraisal-related laws, regulations, or orders; and, (7) Report an AMC's violation of applicable appraisal-related laws, regulations, or orders, as well as disciplinary and enforcement actions and other relevant information about an AMC's operations, to the Appraisal Subcommittee., (b) Impose requirements on AMCs that are not owned and controlled by an insured depository institution and not regulated by a Federal financial institution regulatory agency to:, (1) Register with and be subject to supervision by the State appraiser certifying and licensing agency;, (2) Engage only State-certified or State-licensed appraisers for Federally regulated transactions in conformity with any Federally related transaction regulations;, (3) Establish and comply with processes and controls reasonably designed to ensure that the AMC, in engaging an appraiser, selects an appraiser who is independent of the transaction and who has the requisite education, expertise, and experience necessary to competently complete the appraisal assignment for the particular market and property type;, (4) Direct the appraiser to perform the assignment in accordance with USPAP; and, (5) Establish and comply with processes and controls reasonably designed to ensure that the AMC conducts its appraisal management services in accordance with the requirements of section 129E(a)-(i) of the Truth in Lending Act, 15 U.S.C. 1639e(a)-(i), and regulations thereunder.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["323"],"part_title":["PART 323 - APPRAISALS"],"section":["323.11"],"section_title":["\u00a7 323.11 Appraisal management company registration."]},"_input_hash":-206404459,"_task_hash":2146607564,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843843,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\""],"versions":[{"text":"Each State electing to register AMCs pursuant to paragraph (b)(1) of this section must:, (a) Establish and maintain within the State appraiser certifying and licensing agency a licensing program that is subject to the limitations set forth in \u00a7 323.12 and with the legal authority and mechanisms to:, (1) Review and approve or deny an AMC's application for initial registration;, (2) Review and renew or review and deny an AMC's registration periodically;, (3) Examine the books and records of an AMC operating in the State and require the AMC to submit reports, information, and documents;, (4) Verify that the appraisers on the AMC's appraiser panel hold valid State certifications or licenses, as applicable;, (5) Conduct investigations of AMCs to assess potential violations of applicable appraisal-related laws, regulations, or orders;, (6) Discipline, suspend, terminate, or deny renewal of the registration of an AMC that violates applicable appraisal-related laws, regulations, or orders; and, (7) Report an AMC's violation of applicable appraisal-related laws, regulations, or orders, as well as disciplinary and enforcement actions and other relevant information about an AMC's operations, to the Appraisal Subcommittee., (b) Impose requirements on AMCs that are not owned and controlled by an insured depository institution and not regulated by a Federal financial institution regulatory agency to:, (1) Register with and be subject to supervision by the State appraiser certifying and licensing agency;, (2) Engage only State-certified or State-licensed appraisers for Federally regulated transactions in conformity with any Federally related transaction regulations;, (3) Establish and comply with processes and controls reasonably designed to ensure that the AMC, in engaging an appraiser, selects an appraiser who is independent of the transaction and who has the requisite education, expertise, and experience necessary to competently complete the appraisal assignment for the particular market and property type;, (4) Direct the appraiser to perform the assignment in accordance with USPAP; and, (5) Establish and comply with processes and controls reasonably designed to ensure that the AMC conducts its appraisal management services in accordance with the requirements of section 129E(a)-(i) of the Truth in Lending Act, 15 U.S.C. 1639e(a)-(i), and regulations thereunder.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["323"],"part_title":["PART 323 - APPRAISALS"],"section":["323.11"],"section_title":["\u00a7 323.11 Appraisal management company registration."]},"_input_hash":-206404459,"_task_hash":505531559,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813319,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"Each State electing to register AMCs pursuant to paragraph (b)(1) of this section must:, (a) Establish and maintain within the State appraiser certifying and licensing agency a licensing program that is subject to the limitations set forth in \u00a7 323.12 and with the legal authority and mechanisms to:, (1) Review and approve or deny an AMC's application for initial registration;, (2) Review and renew or review and deny an AMC's registration periodically;, (3) Examine the books and records of an AMC operating in the State and require the AMC to submit reports, information, and documents;, (4) Verify that the appraisers on the AMC's appraiser panel hold valid State certifications or licenses, as applicable;, (5) Conduct investigations of AMCs to assess potential violations of applicable appraisal-related laws, regulations, or orders;, (6) Discipline, suspend, terminate, or deny renewal of the registration of an AMC that violates applicable appraisal-related laws, regulations, or orders; and, (7) Report an AMC's violation of applicable appraisal-related laws, regulations, or orders, as well as disciplinary and enforcement actions and other relevant information about an AMC's operations, to the Appraisal Subcommittee., (b) Impose requirements on AMCs that are not owned and controlled by an insured depository institution and not regulated by a Federal financial institution regulatory agency to:, (1) Register with and be subject to supervision by the State appraiser certifying and licensing agency;, (2) Engage only State-certified or State-licensed appraisers for Federally regulated transactions in conformity with any Federally related transaction regulations;, (3) Establish and comply with processes and controls reasonably designed to ensure that the AMC, in engaging an appraiser, selects an appraiser who is independent of the transaction and who has the requisite education, expertise, and experience necessary to competently complete the appraisal assignment for the particular market and property type;, (4) Direct the appraiser to perform the assignment in accordance with USPAP; and, (5) Establish and comply with processes and controls reasonably designed to ensure that the AMC conducts its appraisal management services in accordance with the requirements of section 129E(a)-(i) of the Truth in Lending Act, 15 U.S.C. 1639e(a)-(i), and regulations thereunder.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["323"],"part_title":["PART 323 - APPRAISALS"],"section":["323.11"],"section_title":["\u00a7 323.11 Appraisal management company registration."]},"_input_hash":-206404459,"_task_hash":2146607564,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711820602,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\""],"default":true},{"text":"Each State electing to register AMCs pursuant to paragraph (b)(1) of this section must:, (a) Establish and maintain within the State appraiser certifying and licensing agency a licensing program that is subject to the limitations set forth in \u00a7 323.12 and with the legal authority and mechanisms to:, (1) Review and approve or deny an AMC's application for initial registration;, (2) Review and renew or review and deny an AMC's registration periodically;, (3) Examine the books and records of an AMC operating in the State and require the AMC to submit reports, information, and documents;, (4) Verify that the appraisers on the AMC's appraiser panel hold valid State certifications or licenses, as applicable;, (5) Conduct investigations of AMCs to assess potential violations of applicable appraisal-related laws, regulations, or orders;, (6) Discipline, suspend, terminate, or deny renewal of the registration of an AMC that violates applicable appraisal-related laws, regulations, or orders; and, (7) Report an AMC's violation of applicable appraisal-related laws, regulations, or orders, as well as disciplinary and enforcement actions and other relevant information about an AMC's operations, to the Appraisal Subcommittee., (b) Impose requirements on AMCs that are not owned and controlled by an insured depository institution and not regulated by a Federal financial institution regulatory agency to:, (1) Register with and be subject to supervision by the State appraiser certifying and licensing agency;, (2) Engage only State-certified or State-licensed appraisers for Federally regulated transactions in conformity with any Federally related transaction regulations;, (3) Establish and comply with processes and controls reasonably designed to ensure that the AMC, in engaging an appraiser, selects an appraiser who is independent of the transaction and who has the requisite education, expertise, and experience necessary to competently complete the appraisal assignment for the particular market and property type;, (4) Direct the appraiser to perform the assignment in accordance with USPAP; and, (5) Establish and comply with processes and controls reasonably designed to ensure that the AMC conducts its appraisal management services in accordance with the requirements of section 129E(a)-(i) of the Truth in Lending Act, 15 U.S.C. 1639e(a)-(i), and regulations thereunder.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["323"],"part_title":["PART 323 - APPRAISALS"],"section":["323.11"],"section_title":["\u00a7 323.11 Appraisal management company registration."]},"_input_hash":-206404459,"_task_hash":-771059801,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711835890,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Bank management consulting advice. The Board's amendment of \u00a7 225.4(a), which adds bank management consulting advice to the list of closely related activities, described in general terms the nature of such activity. This interpretation is intended to explain in greater detail certain of the terms in the amendment. , (b) It is expected that bank management consulting advice would include, but not be limited to, advice concerning: Bank operations, systems and procedures; computer operations and mechanization; implementation of electronic funds transfer systems; site planning and evaluation; bank mergers and the establishment of new branches; operation and management of a trust department; international banking; foreign exchange transactions; purchasing policies and practices; cost analysis, capital adequacy and planning; auditing; accounting procedures; tax planning; investment advice (as authorized in \u00a7 225.4(a)(5)); credit policies and administration, including credit documentation, evaluation, and debt collection; product development, including specialized lending provisions; marketing operations, including research, market development and advertising programs; personnel operations, including recruiting, training, evaluation and compensation; and security measures and procedures. , (c) In permitting bank holding companies to provide management consulting advice to nonaffiliated \u201cbanks\u201d, the Board intends such advice to be given only to an institution that both accepts deposits that the depositor has a legal right to withdraw on demand and engages in the business of making commercial loans. It is also intended that such management consulting advice may be provided to the \u201coperations subsidiaries\u201d of a bank, since such subsidiaries perform functions that a bank is empowered to perform directly at locations at which the bank is authorized to engage in business (\u00a7 250.141 of this chapter). , (d) Although a bank holding company providing management consulting advice is prohibited by the regulation from owning or controlling, directly or indirectly, any equity securities in a client bank, this limitation does not apply to shares of a client bank acquired, directly or indirectly, as a result of a default on a debt previously contracted. This limitation is also inapplicable to shares of a client bank acquired by a bank holding company, directly or indirectly, in a fiduciary capacity: Provided, That the bank holding company or its subsidiary does not have sole discretionary authority to vote such shares or shares held with sole voting rights constitute not more than five percent of the outstanding voting shares of a client bank. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["225"],"part_title":["PART 225 - BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y)"],"section":["225.131"],"section_title":["\u00a7 225.131 Activities closely related to banking."]},"_input_hash":-196897057,"_task_hash":-1982922776,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843844,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Bank management consulting advice. The Board's amendment of \u00a7 225.4(a), which adds bank management consulting advice to the list of closely related activities, described in general terms the nature of such activity. This interpretation is intended to explain in greater detail certain of the terms in the amendment. , (b) It is expected that bank management consulting advice would include, but not be limited to, advice concerning: Bank operations, systems and procedures; computer operations and mechanization; implementation of electronic funds transfer systems; site planning and evaluation; bank mergers and the establishment of new branches; operation and management of a trust department; international banking; foreign exchange transactions; purchasing policies and practices; cost analysis, capital adequacy and planning; auditing; accounting procedures; tax planning; investment advice (as authorized in \u00a7 225.4(a)(5)); credit policies and administration, including credit documentation, evaluation, and debt collection; product development, including specialized lending provisions; marketing operations, including research, market development and advertising programs; personnel operations, including recruiting, training, evaluation and compensation; and security measures and procedures. , (c) In permitting bank holding companies to provide management consulting advice to nonaffiliated \u201cbanks\u201d, the Board intends such advice to be given only to an institution that both accepts deposits that the depositor has a legal right to withdraw on demand and engages in the business of making commercial loans. It is also intended that such management consulting advice may be provided to the \u201coperations subsidiaries\u201d of a bank, since such subsidiaries perform functions that a bank is empowered to perform directly at locations at which the bank is authorized to engage in business (\u00a7 250.141 of this chapter). , (d) Although a bank holding company providing management consulting advice is prohibited by the regulation from owning or controlling, directly or indirectly, any equity securities in a client bank, this limitation does not apply to shares of a client bank acquired, directly or indirectly, as a result of a default on a debt previously contracted. This limitation is also inapplicable to shares of a client bank acquired by a bank holding company, directly or indirectly, in a fiduciary capacity: Provided, That the bank holding company or its subsidiary does not have sole discretionary authority to vote such shares or shares held with sole voting rights constitute not more than five percent of the outstanding voting shares of a client bank. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["225"],"part_title":["PART 225 - BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y)"],"section":["225.131"],"section_title":["\u00a7 225.131 Activities closely related to banking."]},"_input_hash":-196897057,"_task_hash":886410539,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813342,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"(a) Bank management consulting advice. The Board's amendment of \u00a7 225.4(a), which adds bank management consulting advice to the list of closely related activities, described in general terms the nature of such activity. This interpretation is intended to explain in greater detail certain of the terms in the amendment. , (b) It is expected that bank management consulting advice would include, but not be limited to, advice concerning: Bank operations, systems and procedures; computer operations and mechanization; implementation of electronic funds transfer systems; site planning and evaluation; bank mergers and the establishment of new branches; operation and management of a trust department; international banking; foreign exchange transactions; purchasing policies and practices; cost analysis, capital adequacy and planning; auditing; accounting procedures; tax planning; investment advice (as authorized in \u00a7 225.4(a)(5)); credit policies and administration, including credit documentation, evaluation, and debt collection; product development, including specialized lending provisions; marketing operations, including research, market development and advertising programs; personnel operations, including recruiting, training, evaluation and compensation; and security measures and procedures. , (c) In permitting bank holding companies to provide management consulting advice to nonaffiliated \u201cbanks\u201d, the Board intends such advice to be given only to an institution that both accepts deposits that the depositor has a legal right to withdraw on demand and engages in the business of making commercial loans. It is also intended that such management consulting advice may be provided to the \u201coperations subsidiaries\u201d of a bank, since such subsidiaries perform functions that a bank is empowered to perform directly at locations at which the bank is authorized to engage in business (\u00a7 250.141 of this chapter). , (d) Although a bank holding company providing management consulting advice is prohibited by the regulation from owning or controlling, directly or indirectly, any equity securities in a client bank, this limitation does not apply to shares of a client bank acquired, directly or indirectly, as a result of a default on a debt previously contracted. This limitation is also inapplicable to shares of a client bank acquired by a bank holding company, directly or indirectly, in a fiduciary capacity: Provided, That the bank holding company or its subsidiary does not have sole discretionary authority to vote such shares or shares held with sole voting rights constitute not more than five percent of the outstanding voting shares of a client bank. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["225"],"part_title":["PART 225 - BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y)"],"section":["225.131"],"section_title":["\u00a7 225.131 Activities closely related to banking."]},"_input_hash":-196897057,"_task_hash":-542475452,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711820691,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) Bank management consulting advice. The Board's amendment of \u00a7 225.4(a), which adds bank management consulting advice to the list of closely related activities, described in general terms the nature of such activity. This interpretation is intended to explain in greater detail certain of the terms in the amendment. , (b) It is expected that bank management consulting advice would include, but not be limited to, advice concerning: Bank operations, systems and procedures; computer operations and mechanization; implementation of electronic funds transfer systems; site planning and evaluation; bank mergers and the establishment of new branches; operation and management of a trust department; international banking; foreign exchange transactions; purchasing policies and practices; cost analysis, capital adequacy and planning; auditing; accounting procedures; tax planning; investment advice (as authorized in \u00a7 225.4(a)(5)); credit policies and administration, including credit documentation, evaluation, and debt collection; product development, including specialized lending provisions; marketing operations, including research, market development and advertising programs; personnel operations, including recruiting, training, evaluation and compensation; and security measures and procedures. , (c) In permitting bank holding companies to provide management consulting advice to nonaffiliated \u201cbanks\u201d, the Board intends such advice to be given only to an institution that both accepts deposits that the depositor has a legal right to withdraw on demand and engages in the business of making commercial loans. It is also intended that such management consulting advice may be provided to the \u201coperations subsidiaries\u201d of a bank, since such subsidiaries perform functions that a bank is empowered to perform directly at locations at which the bank is authorized to engage in business (\u00a7 250.141 of this chapter). , (d) Although a bank holding company providing management consulting advice is prohibited by the regulation from owning or controlling, directly or indirectly, any equity securities in a client bank, this limitation does not apply to shares of a client bank acquired, directly or indirectly, as a result of a default on a debt previously contracted. This limitation is also inapplicable to shares of a client bank acquired by a bank holding company, directly or indirectly, in a fiduciary capacity: Provided, That the bank holding company or its subsidiary does not have sole discretionary authority to vote such shares or shares held with sole voting rights constitute not more than five percent of the outstanding voting shares of a client bank. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["225"],"part_title":["PART 225 - BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y)"],"section":["225.131"],"section_title":["\u00a7 225.131 Activities closely related to banking."]},"_input_hash":-196897057,"_task_hash":-1982922776,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829092,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"The rules formerly at 12 CFR part 610 have been recodified by the Consumer Financial Protection Bureau at 12 CFR part 1007, \u201cS.A.F.E. Mortgage Licensing Act - Federal Registration of Residential Mortgage Loan Originators (Regulation G)\u201d.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["610"],"part_title":["PART 610 - REGISTRATION OF MORTGAGE LOAN ORIGINATORS"],"section":["610.101"],"section_title":["\u00a7 610.101 Cross reference."]},"_input_hash":1036698730,"_task_hash":1514813731,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843847,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"The rules formerly at 12 CFR part 610 have been recodified by the Consumer Financial Protection Bureau at 12 CFR part 1007, \u201cS.A.F.E. Mortgage Licensing Act - Federal Registration of Residential Mortgage Loan Originators (Regulation G)\u201d.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["610"],"part_title":["PART 610 - REGISTRATION OF MORTGAGE LOAN ORIGINATORS"],"section":["610.101"],"section_title":["\u00a7 610.101 Cross reference."]},"_input_hash":1036698730,"_task_hash":1514813731,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813362,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"The rules formerly at 12 CFR part 610 have been recodified by the Consumer Financial Protection Bureau at 12 CFR part 1007, \u201cS.A.F.E. Mortgage Licensing Act - Federal Registration of Residential Mortgage Loan Originators (Regulation G)\u201d.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["610"],"part_title":["PART 610 - REGISTRATION OF MORTGAGE LOAN ORIGINATORS"],"section":["610.101"],"section_title":["\u00a7 610.101 Cross reference."]},"_input_hash":1036698730,"_task_hash":-954940963,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829099,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false},{"text":"The rules formerly at 12 CFR part 610 have been recodified by the Consumer Financial Protection Bureau at 12 CFR part 1007, \u201cS.A.F.E. Mortgage Licensing Act - Federal Registration of Residential Mortgage Loan Originators (Regulation G)\u201d.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["610"],"part_title":["PART 610 - REGISTRATION OF MORTGAGE LOAN ORIGINATORS"],"section":["610.101"],"section_title":["\u00a7 610.101 Cross reference."]},"_input_hash":1036698730,"_task_hash":1396038648,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711836017,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"Check guaranty card programs, customer-sponsored credit card programs, and similar arrangements in which a bank undertakes to guarantee the obligations of individuals who are its retail banking deposit customers are exempted from \u00a7 337.2: Provided, however, That the bank establishes the creditworthiness of the individual before undertaking to guarantee his/her obligations and that any such arrangement to which a bank's principal shareholders, directors, or executive officers are a party be in compliance with applicable provisions of Federal Reserve Regulation O (12 CFR part 215).","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["337"],"part_title":["PART 337 - UNSAFE AND UNSOUND BANKING PRACTICES"],"section":["337.5"],"section_title":["\u00a7 337.5 Exemption."]},"_input_hash":-1122291886,"_task_hash":828310377,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843849,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"Check guaranty card programs, customer-sponsored credit card programs, and similar arrangements in which a bank undertakes to guarantee the obligations of individuals who are its retail banking deposit customers are exempted from \u00a7 337.2: Provided, however, That the bank establishes the creditworthiness of the individual before undertaking to guarantee his/her obligations and that any such arrangement to which a bank's principal shareholders, directors, or executive officers are a party be in compliance with applicable provisions of Federal Reserve Regulation O (12 CFR part 215).","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["337"],"part_title":["PART 337 - UNSAFE AND UNSOUND BANKING PRACTICES"],"section":["337.5"],"section_title":["\u00a7 337.5 Exemption."]},"_input_hash":-1122291886,"_task_hash":828310377,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813411,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"Check guaranty card programs, customer-sponsored credit card programs, and similar arrangements in which a bank undertakes to guarantee the obligations of individuals who are its retail banking deposit customers are exempted from \u00a7 337.2: Provided, however, That the bank establishes the creditworthiness of the individual before undertaking to guarantee his/her obligations and that any such arrangement to which a bank's principal shareholders, directors, or executive officers are a party be in compliance with applicable provisions of Federal Reserve Regulation O (12 CFR part 215).","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["337"],"part_title":["PART 337 - UNSAFE AND UNSOUND BANKING PRACTICES"],"section":["337.5"],"section_title":["\u00a7 337.5 Exemption."]},"_input_hash":-1122291886,"_task_hash":1051065514,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711820788,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"Check guaranty card programs, customer-sponsored credit card programs, and similar arrangements in which a bank undertakes to guarantee the obligations of individuals who are its retail banking deposit customers are exempted from \u00a7 337.2: Provided, however, That the bank establishes the creditworthiness of the individual before undertaking to guarantee his/her obligations and that any such arrangement to which a bank's principal shareholders, directors, or executive officers are a party be in compliance with applicable provisions of Federal Reserve Regulation O (12 CFR part 215).","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["337"],"part_title":["PART 337 - UNSAFE AND UNSOUND BANKING PRACTICES"],"section":["337.5"],"section_title":["\u00a7 337.5 Exemption."]},"_input_hash":-1122291886,"_task_hash":-1490809025,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829109,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Minimum liquidity coverage ratio requirement. Subject to the transition provisions in subpart F of this part, a Board-regulated institution must calculate and maintain a liquidity coverage ratio that is equal to or greater than 1.0 on each business day (or, in the case of a Category IV Board-regulated institution, on the last business day of the applicable month) in accordance with this part. A Board-regulated institution must calculate its liquidity coverage ratio as of the same time on each calculation date (the elected calculation time). The Board-regulated institution must select this time by written notice to the Board prior to December 31, 2019. The Board-regulated institution may not thereafter change its elected calculation time without prior written approval from the Board., (b) Transition from monthly calculation to daily calculation. A Board-regulated institution that was a Category IV Board-regulated institution immediately prior to moving to a different category must begin calculating and maintaining a liquidity coverage ratio each business day beginning on the first day of the fifth quarter after becoming a Category I Board-regulated institution, Category II Board-regulated institution, or Category III Board-regulated institution., (c) Calculation of the liquidity coverage ratio. A Board-regulated institution's liquidity coverage ratio equals:, (1) The Board-regulated institution's HQLA amount as of the calculation date, calculated under subpart C of this part; divided by, (2) The Board-regulated institution's total net cash outflow amount as of the calculation date, calculated under subpart D of this part.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["249"],"part_title":["PART 249 - LIQUIDITY RISK MEASUREMENT, STANDARDS, AND MONITORING (REGULATION WW)"],"section":["249.10"],"section_title":["\u00a7 249.10 Liquidity coverage ratio."]},"_input_hash":632037373,"_task_hash":1996560926,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843866,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"(a) Minimum liquidity coverage ratio requirement. Subject to the transition provisions in subpart F of this part, a Board-regulated institution must calculate and maintain a liquidity coverage ratio that is equal to or greater than 1.0 on each business day (or, in the case of a Category IV Board-regulated institution, on the last business day of the applicable month) in accordance with this part. A Board-regulated institution must calculate its liquidity coverage ratio as of the same time on each calculation date (the elected calculation time). The Board-regulated institution must select this time by written notice to the Board prior to December 31, 2019. The Board-regulated institution may not thereafter change its elected calculation time without prior written approval from the Board., (b) Transition from monthly calculation to daily calculation. A Board-regulated institution that was a Category IV Board-regulated institution immediately prior to moving to a different category must begin calculating and maintaining a liquidity coverage ratio each business day beginning on the first day of the fifth quarter after becoming a Category I Board-regulated institution, Category II Board-regulated institution, or Category III Board-regulated institution., (c) Calculation of the liquidity coverage ratio. A Board-regulated institution's liquidity coverage ratio equals:, (1) The Board-regulated institution's HQLA amount as of the calculation date, calculated under subpart C of this part; divided by, (2) The Board-regulated institution's total net cash outflow amount as of the calculation date, calculated under subpart D of this part.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["249"],"part_title":["PART 249 - LIQUIDITY RISK MEASUREMENT, STANDARDS, AND MONITORING (REGULATION WW)"],"section":["249.10"],"section_title":["\u00a7 249.10 Liquidity coverage ratio."]},"_input_hash":632037373,"_task_hash":1996560926,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813424,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"(a) Minimum liquidity coverage ratio requirement. Subject to the transition provisions in subpart F of this part, a Board-regulated institution must calculate and maintain a liquidity coverage ratio that is equal to or greater than 1.0 on each business day (or, in the case of a Category IV Board-regulated institution, on the last business day of the applicable month) in accordance with this part. A Board-regulated institution must calculate its liquidity coverage ratio as of the same time on each calculation date (the elected calculation time). The Board-regulated institution must select this time by written notice to the Board prior to December 31, 2019. The Board-regulated institution may not thereafter change its elected calculation time without prior written approval from the Board., (b) Transition from monthly calculation to daily calculation. A Board-regulated institution that was a Category IV Board-regulated institution immediately prior to moving to a different category must begin calculating and maintaining a liquidity coverage ratio each business day beginning on the first day of the fifth quarter after becoming a Category I Board-regulated institution, Category II Board-regulated institution, or Category III Board-regulated institution., (c) Calculation of the liquidity coverage ratio. A Board-regulated institution's liquidity coverage ratio equals:, (1) The Board-regulated institution's HQLA amount as of the calculation date, calculated under subpart C of this part; divided by, (2) The Board-regulated institution's total net cash outflow amount as of the calculation date, calculated under subpart D of this part.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["249"],"part_title":["PART 249 - LIQUIDITY RISK MEASUREMENT, STANDARDS, AND MONITORING (REGULATION WW)"],"section":["249.10"],"section_title":["\u00a7 249.10 Liquidity coverage ratio."]},"_input_hash":632037373,"_task_hash":-2028023570,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711820808,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) General rule. All hearings shall be open to the public, unless the NCUA Board, in its discretion, determines that holding an open hearing would be contrary to the public interest. Within 20 days of service of the notice, any respondent may file with the NCUA Board a request for a private hearing, and any party may file a reply to such a request. A party must serve on the administrative law judge a copy of any request or reply the party files with the NCUA Board. The form of, and procedure for, these requests and replies are governed by \u00a7 747.23. A party's failure to file a request or a reply constitutes a waiver of any objections regarding whether the hearing will be public or private. , (b) Filing document under seal. Enforcement Counsel, in his or her discretion, may file any document or part of a document under seal if disclosure of the document would be contrary to the public interest. The administrative law judge shall take all appropriate steps to preserve the confidentiality of such documents or parts thereof, including closing portions of the hearing to the public.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.33"],"section_title":["\u00a7 747.33 Public hearings."]},"_input_hash":-431299226,"_task_hash":114913062,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843868,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"(a) General rule. All hearings shall be open to the public, unless the NCUA Board, in its discretion, determines that holding an open hearing would be contrary to the public interest. Within 20 days of service of the notice, any respondent may file with the NCUA Board a request for a private hearing, and any party may file a reply to such a request. A party must serve on the administrative law judge a copy of any request or reply the party files with the NCUA Board. The form of, and procedure for, these requests and replies are governed by \u00a7 747.23. A party's failure to file a request or a reply constitutes a waiver of any objections regarding whether the hearing will be public or private. , (b) Filing document under seal. Enforcement Counsel, in his or her discretion, may file any document or part of a document under seal if disclosure of the document would be contrary to the public interest. The administrative law judge shall take all appropriate steps to preserve the confidentiality of such documents or parts thereof, including closing portions of the hearing to the public.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.33"],"section_title":["\u00a7 747.33 Public hearings."]},"_input_hash":-431299226,"_task_hash":114913062,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813438,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"(a) General rule. All hearings shall be open to the public, unless the NCUA Board, in its discretion, determines that holding an open hearing would be contrary to the public interest. Within 20 days of service of the notice, any respondent may file with the NCUA Board a request for a private hearing, and any party may file a reply to such a request. A party must serve on the administrative law judge a copy of any request or reply the party files with the NCUA Board. The form of, and procedure for, these requests and replies are governed by \u00a7 747.23. A party's failure to file a request or a reply constitutes a waiver of any objections regarding whether the hearing will be public or private. , (b) Filing document under seal. Enforcement Counsel, in his or her discretion, may file any document or part of a document under seal if disclosure of the document would be contrary to the public interest. The administrative law judge shall take all appropriate steps to preserve the confidentiality of such documents or parts thereof, including closing portions of the hearing to the public.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.33"],"section_title":["\u00a7 747.33 Public hearings."]},"_input_hash":-431299226,"_task_hash":1666291826,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711820821,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) General rule. All hearings shall be open to the public, unless the NCUA Board, in its discretion, determines that holding an open hearing would be contrary to the public interest. Within 20 days of service of the notice, any respondent may file with the NCUA Board a request for a private hearing, and any party may file a reply to such a request. A party must serve on the administrative law judge a copy of any request or reply the party files with the NCUA Board. The form of, and procedure for, these requests and replies are governed by \u00a7 747.23. A party's failure to file a request or a reply constitutes a waiver of any objections regarding whether the hearing will be public or private. , (b) Filing document under seal. Enforcement Counsel, in his or her discretion, may file any document or part of a document under seal if disclosure of the document would be contrary to the public interest. The administrative law judge shall take all appropriate steps to preserve the confidentiality of such documents or parts thereof, including closing portions of the hearing to the public.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.33"],"section_title":["\u00a7 747.33 Public hearings."]},"_input_hash":-431299226,"_task_hash":-128809916,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711836052,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Farmer Mac must provide OSMO with notice 15 calendar days prior to a board consideration of a declaration of a capital distribution or any material changes in capital distributions policies., (b) Except as provided in paragraph (c), notice under paragraph (a) of this section is not required with respect to capital distributions set forth (i.e., specifically scheduled as to amount and timing along with a discussion of the planned distribution) in the capital plan or a regular periodic payment of dividends on common stock and preferred stock when there is no change in the amount of payment per share from the previous period., (c) In the event that OSMO determines a capital plan has not adequately taken into account OSMO's assessment as required under \u00a7 652.61(f), the exception described in paragraph (b) of this section shall not apply, and Farmer Mac must provide notification of any and all capital distributions as set forth in paragraph (a) of this section.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["652"],"part_title":["PART 652 - FEDERAL AGRICULTURAL MORTGAGE CORPORATION FUNDING AND FISCAL AFFAIRS"],"section":["652.62"],"section_title":["\u00a7 652.62 Notice to OSMO of capital distributions."]},"_input_hash":-610456388,"_task_hash":-620507225,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843869,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Farmer Mac must provide OSMO with notice 15 calendar days prior to a board consideration of a declaration of a capital distribution or any material changes in capital distributions policies., (b) Except as provided in paragraph (c), notice under paragraph (a) of this section is not required with respect to capital distributions set forth (i.e., specifically scheduled as to amount and timing along with a discussion of the planned distribution) in the capital plan or a regular periodic payment of dividends on common stock and preferred stock when there is no change in the amount of payment per share from the previous period., (c) In the event that OSMO determines a capital plan has not adequately taken into account OSMO's assessment as required under \u00a7 652.61(f), the exception described in paragraph (b) of this section shall not apply, and Farmer Mac must provide notification of any and all capital distributions as set forth in paragraph (a) of this section.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["652"],"part_title":["PART 652 - FEDERAL AGRICULTURAL MORTGAGE CORPORATION FUNDING AND FISCAL AFFAIRS"],"section":["652.62"],"section_title":["\u00a7 652.62 Notice to OSMO of capital distributions."]},"_input_hash":-610456388,"_task_hash":-620507225,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813448,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Farmer Mac must provide OSMO with notice 15 calendar days prior to a board consideration of a declaration of a capital distribution or any material changes in capital distributions policies., (b) Except as provided in paragraph (c), notice under paragraph (a) of this section is not required with respect to capital distributions set forth (i.e., specifically scheduled as to amount and timing along with a discussion of the planned distribution) in the capital plan or a regular periodic payment of dividends on common stock and preferred stock when there is no change in the amount of payment per share from the previous period., (c) In the event that OSMO determines a capital plan has not adequately taken into account OSMO's assessment as required under \u00a7 652.61(f), the exception described in paragraph (b) of this section shall not apply, and Farmer Mac must provide notification of any and all capital distributions as set forth in paragraph (a) of this section.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["652"],"part_title":["PART 652 - FEDERAL AGRICULTURAL MORTGAGE CORPORATION FUNDING AND FISCAL AFFAIRS"],"section":["652.62"],"section_title":["\u00a7 652.62 Notice to OSMO of capital distributions."]},"_input_hash":-610456388,"_task_hash":-785087377,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829139,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"An applicant shall be deemed to be subject to inspection and regulation, as required by section 4(a)(1)(B) of the Bank Act (12 U.S.C. 1424 (a)(1)(B)) and \u00a7 1263.6(a)(2) if, in the case of an insured depository institution or insurance company applicant, it is subject to inspection and regulation by its appropriate regulator. A CDFI applicant that is certified by the CDFI Fund is not subject to this requirement.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1263"],"part_title":["PART 1263 - MEMBERS OF THE BANKS"],"section":["1263.8"],"section_title":["\u00a7 1263.8 Subject to inspection and regulation requirement."]},"_input_hash":1471814924,"_task_hash":1286849313,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843891,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"An applicant shall be deemed to be subject to inspection and regulation, as required by section 4(a)(1)(B) of the Bank Act (12 U.S.C. 1424 (a)(1)(B)) and \u00a7 1263.6(a)(2) if, in the case of an insured depository institution or insurance company applicant, it is subject to inspection and regulation by its appropriate regulator. A CDFI applicant that is certified by the CDFI Fund is not subject to this requirement.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1263"],"part_title":["PART 1263 - MEMBERS OF THE BANKS"],"section":["1263.8"],"section_title":["\u00a7 1263.8 Subject to inspection and regulation requirement."]},"_input_hash":1471814924,"_task_hash":1286849313,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813460,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"An applicant shall be deemed to be subject to inspection and regulation, as required by section 4(a)(1)(B) of the Bank Act (12 U.S.C. 1424 (a)(1)(B)) and \u00a7 1263.6(a)(2) if, in the case of an insured depository institution or insurance company applicant, it is subject to inspection and regulation by its appropriate regulator. A CDFI applicant that is certified by the CDFI Fund is not subject to this requirement.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1263"],"part_title":["PART 1263 - MEMBERS OF THE BANKS"],"section":["1263.8"],"section_title":["\u00a7 1263.8 Subject to inspection and regulation requirement."]},"_input_hash":1471814924,"_task_hash":1700792361,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711821010,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"An applicant shall be deemed to be subject to inspection and regulation, as required by section 4(a)(1)(B) of the Bank Act (12 U.S.C. 1424 (a)(1)(B)) and \u00a7 1263.6(a)(2) if, in the case of an insured depository institution or insurance company applicant, it is subject to inspection and regulation by its appropriate regulator. A CDFI applicant that is certified by the CDFI Fund is not subject to this requirement.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1263"],"part_title":["PART 1263 - MEMBERS OF THE BANKS"],"section":["1263.8"],"section_title":["\u00a7 1263.8 Subject to inspection and regulation requirement."]},"_input_hash":1471814924,"_task_hash":167073456,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711836161,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"No state insured savings association may establish or acquire a subsidiary, or conduct any new activity through a subsidiary, unless it files a notice in compliance with \u00a7 303.142(c) of this chapter at least 30 days prior to establishment of the subsidiary or commencement of the activity and the FDIC does not object to the notice. This section does not apply to any state savings association that acquired its principal assets from a Federal savings bank that was chartered prior to October 15, 1982, as a savings bank under state law.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["362"],"part_title":["PART 362 - ACTIVITIES OF INSURED STATE BANKS AND INSURED SAVINGS ASSOCIATIONS"],"section":["362.15"],"section_title":["\u00a7 362.15 Acquiring or establishing a subsidiary; conducting new activities through a subsidiary."]},"_input_hash":277874590,"_task_hash":-1758375212,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813978,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"No state insured savings association may establish or acquire a subsidiary, or conduct any new activity through a subsidiary, unless it files a notice in compliance with \u00a7 303.142(c) of this chapter at least 30 days prior to establishment of the subsidiary or commencement of the activity and the FDIC does not object to the notice. This section does not apply to any state savings association that acquired its principal assets from a Federal savings bank that was chartered prior to October 15, 1982, as a savings bank under state law.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["362"],"part_title":["PART 362 - ACTIVITIES OF INSURED STATE BANKS AND INSURED SAVINGS ASSOCIATIONS"],"section":["362.15"],"section_title":["\u00a7 362.15 Acquiring or establishing a subsidiary; conducting new activities through a subsidiary."]},"_input_hash":277874590,"_task_hash":-1758375212,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813978,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) Responsibilities of the U.S. risk committee. (1) The U.S. risk committee established by a foreign banking organization pursuant to \u00a7 252.155(a) (or a designated subcommittee of such committee composed of members of the board of directors (or equivalent thereof)) of the U.S. intermediate holding company or the foreign banking organization, as appropriate must:, (i) Approve at least annually the acceptable level of liquidity risk that the foreign banking organization may assume in connection with the operating strategies for its combined U.S. operations (liquidity risk tolerance), with concurrence from the foreign banking organization's board of directors or its enterprise-wide risk committee, taking into account the capital structure, risk profile, complexity, activities, size of the foreign banking organization and its combined U.S. operations and the enterprise-wide liquidity risk tolerance of the foreign banking organization; and, (ii) Receive and review information provided by the senior management of the combined U.S. operations at least semi-annually to determine whether the combined U.S. operations are operating in accordance with the established liquidity risk tolerance and to ensure that the liquidity risk tolerance for the combined U.S. operations is consistent with the enterprise-wide liquidity risk tolerance established for the foreign banking organization., (iii) Approve the contingency funding plan for the combined U.S. operations described in paragraph (e) of this section at least annually and whenever the foreign banking organization revises its contingency funding plan, and approve any material revisions to the contingency funding plan for the combined U.S. operations prior to the implementation of such revisions., (b) Responsibilities of the U.S. chief risk officer - (1) Liquidity risk. The U.S. chief risk officer of a foreign banking organization subject to this subpart must review the strategies and policies and procedures established by senior management of the U.S. operations for managing the risk that the financial condition or safety and soundness of the foreign banking organization's combined U.S. operations would be adversely affected by its inability or the market's perception of its inability to meet its cash and collateral obligations (liquidity risk)., (2) Liquidity risk tolerance. The U.S. chief risk officer of a foreign banking organization subject to this subpart must review information provided by the senior management of the U.S. operations to determine whether the combined U.S. operations are operating in accordance with the established liquidity risk tolerance. The U.S. chief risk officer must regularly, and, at least semi-annually, report to the foreign banking organization's U.S. risk committee and enterprise-wide risk committee, or the equivalent thereof (if any) (or a designated subcommittee of such committee composed of members of the relevant board of directors (or equivalent thereof)) on the liquidity risk profile of the foreign banking organization's combined U.S. operations and whether it is operating in accordance with the established liquidity risk tolerance for the U.S. operations, and must establish procedures governing the content of such reports., (3) Business lines or products. (i) The U.S. chief risk officer of a foreign banking organization subject to this subpart must approve new products and business lines and evaluate the liquidity costs, benefits, and risks of each new business line and each new product offered, managed or sold through the foreign banking organization's combined U.S. operations that could have a significant effect on the liquidity risk profile of the U.S. operations of the foreign banking organization. The approval is required before the foreign banking organization implements the business line or offers the product through its combined U.S. operations. In determining whether to approve the new business line or product, the U.S. chief risk officer must consider whether the liquidity risk of the new business line or product (under both current and stressed conditions) is within the foreign banking organization's established liquidity risk tolerance for its combined U.S. operations., (ii) The U.S. risk committee must review at least annually significant business lines and products offered, managed or sold through the combined U.S. operations to determine whether each business line or product creates or has created any unanticipated liquidity risk, and to determine whether the liquidity risk of each strategy or product is within the foreign banking organization's established liquidity risk tolerance for its combined U.S. operations., (4) Cash-flow projections. The U.S. chief risk officer of a foreign banking organization subject to this subpart must review the cash-flow projections produced under paragraph (d) of this section at least quarterly (or more often, if changes in market conditions or the liquidity position, risk profile, or financial condition of the foreign banking organization or the U.S. operations warrant) to ensure that the liquidity risk of the foreign banking organization's combined U.S. operations is within the established liquidity risk tolerance., (5) Liquidity risk limits. The U.S. chief risk officer of a foreign banking organization subject to this subpart must establish liquidity risk limits as set forth in paragraph (f) of this section and review the foreign banking organization's compliance with those limits at least quarterly (or more often, if changes in market conditions or the liquidity position, risk profile, or financial condition of the U.S. operations of the foreign banking organization warrant)., (6) Liquidity stress testing. The U.S. chief risk officer of a foreign banking organization subject to this subpart must:, (i) Approve the liquidity stress testing practices, methodologies, and assumptions required in \u00a7 252.157(a) at least quarterly, and whenever the foreign banking organization materially revises its liquidity stress testing practices, methodologies or assumptions;, (ii) Review the liquidity stress testing results produced under \u00a7 252.157(a) of this subpart at least quarterly; and, (iii) Approve the size and composition of the liquidity buffer established under \u00a7 252.157(c) of this subpart at least quarterly., (c) Independent review function. (1) A foreign banking organization subject to this subpart must establish and maintain a review function, which is independent of the management functions that execute funding for its combined U.S. operations, to evaluate the liquidity risk management for its combined U.S. operations., (2) The independent review function must:, (i) Regularly, but no less frequently than annually, review and evaluate the adequacy and effectiveness of the foreign banking organization's liquidity risk management processes within the combined U.S. operations, including its liquidity stress test processes and assumptions;, (ii) Assess whether the foreign banking organization's liquidity risk-management function of its combined U.S. operations complies with applicable laws and regulations, and sound business practices; and, (iii) Report material liquidity risk management issues to the U.S. risk committee and the enterprise-wide risk committee in writing for corrective action, to the extent permitted by applicable law., (d) Cash-flow projections. (1) A foreign banking organization subject to this subpart must produce comprehensive cash-flow projections for its combined U.S. operations that project cash flows arising from assets, liabilities, and off-balance sheet exposures over, at a minimum, short- and long-term time horizons. The foreign banking organization must update short-term cash-flow projections daily and must update longer-term cash-flow projections at least monthly., (2) The foreign banking organization must establish a methodology for making cash-flow projections for its combined U.S. operations that results in projections which:, (i) Include cash flows arising from contractual maturities, intercompany transactions, new business, funding renewals, customer options, and other potential events that may impact liquidity;, (ii) Include reasonable assumptions regarding the future behavior of assets, liabilities, and off-balance sheet exposures;, (iii) Identify and quantify discrete and cumulative cash-flow mismatches over these time periods; and, (iv) Include sufficient detail to reflect the capital structure, risk profile, complexity, currency exposure, activities, and size of the foreign banking organization and its combined U.S. operations, and include analyses by business line, currency, or legal entity as appropriate., (e) Contingency funding plan. (1) A foreign banking organization subject to this subpart must establish and maintain a contingency funding plan for its combined U.S. operations that sets out the foreign banking organization's strategies for addressing liquidity needs during liquidity stress events. The contingency funding plan must be commensurate with the capital structure, risk profile, complexity, activities, size, and the established liquidity risk tolerance for the combined U.S. operations. The foreign banking organization must update the contingency funding plan for its combined U.S. operations at least annually, and when changes to market and idiosyncratic conditions warrant., (2) Components of the contingency funding plan - (i) Quantitative assessment. The contingency funding plan for the combined U.S. operations must:, (A) Identify liquidity stress events that could have a significant impact on the liquidity of the foreign banking organization or its combined U.S. operations;, (B) Assess the level and nature of the impact on the liquidity of the foreign banking organization and its combined U.S. operations that may occur during identified liquidity stress events;, (C) Identify the circumstances in which the foreign banking organization would implement its action plan described in paragraph (e)(2)(ii)(A) of this section, which circumstances must include failure to meet any minimum liquidity requirement imposed by the Board on the foreign banking organization's combined U.S. operations;, (D) Assess available funding sources and needs during the identified liquidity stress events;, (E) Identify alternative funding sources that may be used during the identified liquidity stress events; and, (F) Incorporate information generated by the liquidity stress testing required under \u00a7 252.157(a) of this subpart., (ii) Liquidity event management process. The contingency funding plan for the combined U.S. operations must include an event management process that sets out the foreign banking organization's procedures for managing liquidity during identified liquidity stress events for the combined U.S. operations. The liquidity event management process must:, (A) Include an action plan that clearly describes the strategies that the foreign banking organization will use to respond to liquidity shortfalls in its combined U.S. operations for identified liquidity stress events, including the methods that the organization or the combined U.S. operations will use to access alternative funding sources;, (B) Identify a liquidity stress event management team that would execute the action plan in paragraph (e)(2)(i) of this section for the combined U.S. operations;, (C) Specify the process, responsibilities, and triggers for invoking the contingency funding plan, describe the decision-making process during the identified liquidity stress events, and describe the process for executing contingency measures identified in the action plan; and, (D) Provide a mechanism that ensures effective reporting and communication within the combined U.S. operations of the foreign banking organization and with outside parties, including the Board and other relevant supervisors, counterparties, and other stakeholders., (iii) Monitoring. The contingency funding plan for the combined U.S. operations must include procedures for monitoring emerging liquidity stress events. The procedures must identify early warning indicators that are tailored to the capital structure, risk profile, complexity, activities, and size of the foreign banking organization and its combined U.S. operations., (iv) Testing. A foreign banking organization must periodically test:, (A) The components of the contingency funding plan to assess the plan's reliability during liquidity stress events;, (B) The operational elements of the contingency funding plan, including operational simulations to test communications, coordination, and decision-making by relevant management; and, (C) The methods it will use to access alternative funding sources for its combined U.S. operations to determine whether these funding sources will be readily available when needed., (f) Liquidity risk limits - (1) General. A foreign banking organization must monitor sources of liquidity risk and establish limits on liquidity risk that are consistent with the organization's established liquidity risk tolerance and that reflect the organization's capital structure, risk profile, complexity, activities, and size., (2) Liquidity risk limits established by a Category II foreign banking organization or Category III foreign banking organization. If the foreign banking organization is not a Category IV foreign banking organization, liquidity risk limits established under paragraph (f)(1) of this section must include limits on:, (i) Concentrations in sources of funding by instrument type, single counterparty, counterparty type, secured and unsecured funding, and as applicable, other forms of liquidity risk;, (ii) The amount of liabilities that mature within various time horizons; and, (iii) Off-balance sheet exposures and other exposures that could create funding needs during liquidity stress events., (g) Collateral, legal entity, and intraday liquidity risk monitoring. A foreign banking organization subject to this subpart or more must establish and maintain procedures for monitoring liquidity risk as set forth in this paragraph (g)., (1) Collateral. The foreign banking organization must establish and maintain policies and procedures to monitor assets that have been, or are available to be, pledged as collateral in connection with transactions to which entities in its U.S. operations are counterparties. These policies and procedures must provide that the foreign banking organization:, (i) Calculates all of the collateral positions for its combined U.S. operations according to the frequency specified in paragraph (g)(1)(i)(A) or (B) of this section or as directed by the Board, specifying the value of pledged assets relative to the amount of security required under the relevant contracts and the value of unencumbered assets available to be pledged:, (A) If the foreign banking organization is not a Category IV foreign banking organization, on at least a weekly basis; or, (B) If the foreign banking organization is a Category IV foreign banking organization, on at least a monthly basis;, (ii) Monitors the levels of unencumbered assets available to be pledged by legal entity, jurisdiction, and currency exposure;, (iii) Monitors shifts in the foreign banking organization's funding patterns, including shifts between intraday, overnight, and term pledging of collateral; and, (iv) Tracks operational and timing requirements associated with accessing collateral at its physical location (for example, the custodian or securities settlement system that holds the collateral)., (2) Legal entities, currencies and business lines. The foreign banking organization must establish and maintain procedures for monitoring and controlling liquidity risk exposures and funding needs of its combined U.S. operations, within and across significant legal entities, currencies, and business lines and taking into account legal and regulatory restrictions on the transfer of liquidity between legal entities., (3) Intraday exposure. The foreign banking organization must establish and maintain procedures for monitoring intraday liquidity risk exposure for its combined U.S. operations that are consistent with the capital structure, risk profile, complexity, activities, and size of the foreign banking organization and its combined U.S. operations. If the foreign banking organization is not a Category IV banking organization these procedures must address how the management of the combined U.S. operations will:, (i) Monitor and measure expected gross daily inflows and outflows;, (ii) Manage and transfer collateral to obtain intraday credit;, (iii) Identify and prioritize time-specific obligations so that the foreign banking organizations can meet these obligations as expected and settle less critical obligations as soon as possible;, (iv) Manage the issuance of credit to customers where necessary; and, (v) Consider the amounts of collateral and liquidity needed to meet payment systems obligations when assessing the overall liquidity needs of the combined U.S. operations.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["252"],"part_title":["PART 252 - ENHANCED PRUDENTIAL STANDARDS (REGULATION YY)"],"section":["252.156"],"section_title":["\u00a7 252.156 Liquidity risk-management requirements for foreign banking organizations with combined U.S. assets of $100 billion or more."]},"_input_hash":-115169917,"_task_hash":1608479399,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843921,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Responsibilities of the U.S. risk committee. (1) The U.S. risk committee established by a foreign banking organization pursuant to \u00a7 252.155(a) (or a designated subcommittee of such committee composed of members of the board of directors (or equivalent thereof)) of the U.S. intermediate holding company or the foreign banking organization, as appropriate must:, (i) Approve at least annually the acceptable level of liquidity risk that the foreign banking organization may assume in connection with the operating strategies for its combined U.S. operations (liquidity risk tolerance), with concurrence from the foreign banking organization's board of directors or its enterprise-wide risk committee, taking into account the capital structure, risk profile, complexity, activities, size of the foreign banking organization and its combined U.S. operations and the enterprise-wide liquidity risk tolerance of the foreign banking organization; and, (ii) Receive and review information provided by the senior management of the combined U.S. operations at least semi-annually to determine whether the combined U.S. operations are operating in accordance with the established liquidity risk tolerance and to ensure that the liquidity risk tolerance for the combined U.S. operations is consistent with the enterprise-wide liquidity risk tolerance established for the foreign banking organization., (iii) Approve the contingency funding plan for the combined U.S. operations described in paragraph (e) of this section at least annually and whenever the foreign banking organization revises its contingency funding plan, and approve any material revisions to the contingency funding plan for the combined U.S. operations prior to the implementation of such revisions., (b) Responsibilities of the U.S. chief risk officer - (1) Liquidity risk. The U.S. chief risk officer of a foreign banking organization subject to this subpart must review the strategies and policies and procedures established by senior management of the U.S. operations for managing the risk that the financial condition or safety and soundness of the foreign banking organization's combined U.S. operations would be adversely affected by its inability or the market's perception of its inability to meet its cash and collateral obligations (liquidity risk)., (2) Liquidity risk tolerance. The U.S. chief risk officer of a foreign banking organization subject to this subpart must review information provided by the senior management of the U.S. operations to determine whether the combined U.S. operations are operating in accordance with the established liquidity risk tolerance. The U.S. chief risk officer must regularly, and, at least semi-annually, report to the foreign banking organization's U.S. risk committee and enterprise-wide risk committee, or the equivalent thereof (if any) (or a designated subcommittee of such committee composed of members of the relevant board of directors (or equivalent thereof)) on the liquidity risk profile of the foreign banking organization's combined U.S. operations and whether it is operating in accordance with the established liquidity risk tolerance for the U.S. operations, and must establish procedures governing the content of such reports., (3) Business lines or products. (i) The U.S. chief risk officer of a foreign banking organization subject to this subpart must approve new products and business lines and evaluate the liquidity costs, benefits, and risks of each new business line and each new product offered, managed or sold through the foreign banking organization's combined U.S. operations that could have a significant effect on the liquidity risk profile of the U.S. operations of the foreign banking organization. The approval is required before the foreign banking organization implements the business line or offers the product through its combined U.S. operations. In determining whether to approve the new business line or product, the U.S. chief risk officer must consider whether the liquidity risk of the new business line or product (under both current and stressed conditions) is within the foreign banking organization's established liquidity risk tolerance for its combined U.S. operations., (ii) The U.S. risk committee must review at least annually significant business lines and products offered, managed or sold through the combined U.S. operations to determine whether each business line or product creates or has created any unanticipated liquidity risk, and to determine whether the liquidity risk of each strategy or product is within the foreign banking organization's established liquidity risk tolerance for its combined U.S. operations., (4) Cash-flow projections. The U.S. chief risk officer of a foreign banking organization subject to this subpart must review the cash-flow projections produced under paragraph (d) of this section at least quarterly (or more often, if changes in market conditions or the liquidity position, risk profile, or financial condition of the foreign banking organization or the U.S. operations warrant) to ensure that the liquidity risk of the foreign banking organization's combined U.S. operations is within the established liquidity risk tolerance., (5) Liquidity risk limits. The U.S. chief risk officer of a foreign banking organization subject to this subpart must establish liquidity risk limits as set forth in paragraph (f) of this section and review the foreign banking organization's compliance with those limits at least quarterly (or more often, if changes in market conditions or the liquidity position, risk profile, or financial condition of the U.S. operations of the foreign banking organization warrant)., (6) Liquidity stress testing. The U.S. chief risk officer of a foreign banking organization subject to this subpart must:, (i) Approve the liquidity stress testing practices, methodologies, and assumptions required in \u00a7 252.157(a) at least quarterly, and whenever the foreign banking organization materially revises its liquidity stress testing practices, methodologies or assumptions;, (ii) Review the liquidity stress testing results produced under \u00a7 252.157(a) of this subpart at least quarterly; and, (iii) Approve the size and composition of the liquidity buffer established under \u00a7 252.157(c) of this subpart at least quarterly., (c) Independent review function. (1) A foreign banking organization subject to this subpart must establish and maintain a review function, which is independent of the management functions that execute funding for its combined U.S. operations, to evaluate the liquidity risk management for its combined U.S. operations., (2) The independent review function must:, (i) Regularly, but no less frequently than annually, review and evaluate the adequacy and effectiveness of the foreign banking organization's liquidity risk management processes within the combined U.S. operations, including its liquidity stress test processes and assumptions;, (ii) Assess whether the foreign banking organization's liquidity risk-management function of its combined U.S. operations complies with applicable laws and regulations, and sound business practices; and, (iii) Report material liquidity risk management issues to the U.S. risk committee and the enterprise-wide risk committee in writing for corrective action, to the extent permitted by applicable law., (d) Cash-flow projections. (1) A foreign banking organization subject to this subpart must produce comprehensive cash-flow projections for its combined U.S. operations that project cash flows arising from assets, liabilities, and off-balance sheet exposures over, at a minimum, short- and long-term time horizons. The foreign banking organization must update short-term cash-flow projections daily and must update longer-term cash-flow projections at least monthly., (2) The foreign banking organization must establish a methodology for making cash-flow projections for its combined U.S. operations that results in projections which:, (i) Include cash flows arising from contractual maturities, intercompany transactions, new business, funding renewals, customer options, and other potential events that may impact liquidity;, (ii) Include reasonable assumptions regarding the future behavior of assets, liabilities, and off-balance sheet exposures;, (iii) Identify and quantify discrete and cumulative cash-flow mismatches over these time periods; and, (iv) Include sufficient detail to reflect the capital structure, risk profile, complexity, currency exposure, activities, and size of the foreign banking organization and its combined U.S. operations, and include analyses by business line, currency, or legal entity as appropriate., (e) Contingency funding plan. (1) A foreign banking organization subject to this subpart must establish and maintain a contingency funding plan for its combined U.S. operations that sets out the foreign banking organization's strategies for addressing liquidity needs during liquidity stress events. The contingency funding plan must be commensurate with the capital structure, risk profile, complexity, activities, size, and the established liquidity risk tolerance for the combined U.S. operations. The foreign banking organization must update the contingency funding plan for its combined U.S. operations at least annually, and when changes to market and idiosyncratic conditions warrant., (2) Components of the contingency funding plan - (i) Quantitative assessment. The contingency funding plan for the combined U.S. operations must:, (A) Identify liquidity stress events that could have a significant impact on the liquidity of the foreign banking organization or its combined U.S. operations;, (B) Assess the level and nature of the impact on the liquidity of the foreign banking organization and its combined U.S. operations that may occur during identified liquidity stress events;, (C) Identify the circumstances in which the foreign banking organization would implement its action plan described in paragraph (e)(2)(ii)(A) of this section, which circumstances must include failure to meet any minimum liquidity requirement imposed by the Board on the foreign banking organization's combined U.S. operations;, (D) Assess available funding sources and needs during the identified liquidity stress events;, (E) Identify alternative funding sources that may be used during the identified liquidity stress events; and, (F) Incorporate information generated by the liquidity stress testing required under \u00a7 252.157(a) of this subpart., (ii) Liquidity event management process. The contingency funding plan for the combined U.S. operations must include an event management process that sets out the foreign banking organization's procedures for managing liquidity during identified liquidity stress events for the combined U.S. operations. The liquidity event management process must:, (A) Include an action plan that clearly describes the strategies that the foreign banking organization will use to respond to liquidity shortfalls in its combined U.S. operations for identified liquidity stress events, including the methods that the organization or the combined U.S. operations will use to access alternative funding sources;, (B) Identify a liquidity stress event management team that would execute the action plan in paragraph (e)(2)(i) of this section for the combined U.S. operations;, (C) Specify the process, responsibilities, and triggers for invoking the contingency funding plan, describe the decision-making process during the identified liquidity stress events, and describe the process for executing contingency measures identified in the action plan; and, (D) Provide a mechanism that ensures effective reporting and communication within the combined U.S. operations of the foreign banking organization and with outside parties, including the Board and other relevant supervisors, counterparties, and other stakeholders., (iii) Monitoring. The contingency funding plan for the combined U.S. operations must include procedures for monitoring emerging liquidity stress events. The procedures must identify early warning indicators that are tailored to the capital structure, risk profile, complexity, activities, and size of the foreign banking organization and its combined U.S. operations., (iv) Testing. A foreign banking organization must periodically test:, (A) The components of the contingency funding plan to assess the plan's reliability during liquidity stress events;, (B) The operational elements of the contingency funding plan, including operational simulations to test communications, coordination, and decision-making by relevant management; and, (C) The methods it will use to access alternative funding sources for its combined U.S. operations to determine whether these funding sources will be readily available when needed., (f) Liquidity risk limits - (1) General. A foreign banking organization must monitor sources of liquidity risk and establish limits on liquidity risk that are consistent with the organization's established liquidity risk tolerance and that reflect the organization's capital structure, risk profile, complexity, activities, and size., (2) Liquidity risk limits established by a Category II foreign banking organization or Category III foreign banking organization. If the foreign banking organization is not a Category IV foreign banking organization, liquidity risk limits established under paragraph (f)(1) of this section must include limits on:, (i) Concentrations in sources of funding by instrument type, single counterparty, counterparty type, secured and unsecured funding, and as applicable, other forms of liquidity risk;, (ii) The amount of liabilities that mature within various time horizons; and, (iii) Off-balance sheet exposures and other exposures that could create funding needs during liquidity stress events., (g) Collateral, legal entity, and intraday liquidity risk monitoring. A foreign banking organization subject to this subpart or more must establish and maintain procedures for monitoring liquidity risk as set forth in this paragraph (g)., (1) Collateral. The foreign banking organization must establish and maintain policies and procedures to monitor assets that have been, or are available to be, pledged as collateral in connection with transactions to which entities in its U.S. operations are counterparties. These policies and procedures must provide that the foreign banking organization:, (i) Calculates all of the collateral positions for its combined U.S. operations according to the frequency specified in paragraph (g)(1)(i)(A) or (B) of this section or as directed by the Board, specifying the value of pledged assets relative to the amount of security required under the relevant contracts and the value of unencumbered assets available to be pledged:, (A) If the foreign banking organization is not a Category IV foreign banking organization, on at least a weekly basis; or, (B) If the foreign banking organization is a Category IV foreign banking organization, on at least a monthly basis;, (ii) Monitors the levels of unencumbered assets available to be pledged by legal entity, jurisdiction, and currency exposure;, (iii) Monitors shifts in the foreign banking organization's funding patterns, including shifts between intraday, overnight, and term pledging of collateral; and, (iv) Tracks operational and timing requirements associated with accessing collateral at its physical location (for example, the custodian or securities settlement system that holds the collateral)., (2) Legal entities, currencies and business lines. The foreign banking organization must establish and maintain procedures for monitoring and controlling liquidity risk exposures and funding needs of its combined U.S. operations, within and across significant legal entities, currencies, and business lines and taking into account legal and regulatory restrictions on the transfer of liquidity between legal entities., (3) Intraday exposure. The foreign banking organization must establish and maintain procedures for monitoring intraday liquidity risk exposure for its combined U.S. operations that are consistent with the capital structure, risk profile, complexity, activities, and size of the foreign banking organization and its combined U.S. operations. If the foreign banking organization is not a Category IV banking organization these procedures must address how the management of the combined U.S. operations will:, (i) Monitor and measure expected gross daily inflows and outflows;, (ii) Manage and transfer collateral to obtain intraday credit;, (iii) Identify and prioritize time-specific obligations so that the foreign banking organizations can meet these obligations as expected and settle less critical obligations as soon as possible;, (iv) Manage the issuance of credit to customers where necessary; and, (v) Consider the amounts of collateral and liquidity needed to meet payment systems obligations when assessing the overall liquidity needs of the combined U.S. operations.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["252"],"part_title":["PART 252 - ENHANCED PRUDENTIAL STANDARDS (REGULATION YY)"],"section":["252.156"],"section_title":["\u00a7 252.156 Liquidity risk-management requirements for foreign banking organizations with combined U.S. assets of $100 billion or more."]},"_input_hash":-115169917,"_task_hash":1608479399,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813548,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Responsibilities of the U.S. risk committee. (1) The U.S. risk committee established by a foreign banking organization pursuant to \u00a7 252.155(a) (or a designated subcommittee of such committee composed of members of the board of directors (or equivalent thereof)) of the U.S. intermediate holding company or the foreign banking organization, as appropriate must:, (i) Approve at least annually the acceptable level of liquidity risk that the foreign banking organization may assume in connection with the operating strategies for its combined U.S. operations (liquidity risk tolerance), with concurrence from the foreign banking organization's board of directors or its enterprise-wide risk committee, taking into account the capital structure, risk profile, complexity, activities, size of the foreign banking organization and its combined U.S. operations and the enterprise-wide liquidity risk tolerance of the foreign banking organization; and, (ii) Receive and review information provided by the senior management of the combined U.S. operations at least semi-annually to determine whether the combined U.S. operations are operating in accordance with the established liquidity risk tolerance and to ensure that the liquidity risk tolerance for the combined U.S. operations is consistent with the enterprise-wide liquidity risk tolerance established for the foreign banking organization., (iii) Approve the contingency funding plan for the combined U.S. operations described in paragraph (e) of this section at least annually and whenever the foreign banking organization revises its contingency funding plan, and approve any material revisions to the contingency funding plan for the combined U.S. operations prior to the implementation of such revisions., (b) Responsibilities of the U.S. chief risk officer - (1) Liquidity risk. The U.S. chief risk officer of a foreign banking organization subject to this subpart must review the strategies and policies and procedures established by senior management of the U.S. operations for managing the risk that the financial condition or safety and soundness of the foreign banking organization's combined U.S. operations would be adversely affected by its inability or the market's perception of its inability to meet its cash and collateral obligations (liquidity risk)., (2) Liquidity risk tolerance. The U.S. chief risk officer of a foreign banking organization subject to this subpart must review information provided by the senior management of the U.S. operations to determine whether the combined U.S. operations are operating in accordance with the established liquidity risk tolerance. The U.S. chief risk officer must regularly, and, at least semi-annually, report to the foreign banking organization's U.S. risk committee and enterprise-wide risk committee, or the equivalent thereof (if any) (or a designated subcommittee of such committee composed of members of the relevant board of directors (or equivalent thereof)) on the liquidity risk profile of the foreign banking organization's combined U.S. operations and whether it is operating in accordance with the established liquidity risk tolerance for the U.S. operations, and must establish procedures governing the content of such reports., (3) Business lines or products. (i) The U.S. chief risk officer of a foreign banking organization subject to this subpart must approve new products and business lines and evaluate the liquidity costs, benefits, and risks of each new business line and each new product offered, managed or sold through the foreign banking organization's combined U.S. operations that could have a significant effect on the liquidity risk profile of the U.S. operations of the foreign banking organization. The approval is required before the foreign banking organization implements the business line or offers the product through its combined U.S. operations. In determining whether to approve the new business line or product, the U.S. chief risk officer must consider whether the liquidity risk of the new business line or product (under both current and stressed conditions) is within the foreign banking organization's established liquidity risk tolerance for its combined U.S. operations., (ii) The U.S. risk committee must review at least annually significant business lines and products offered, managed or sold through the combined U.S. operations to determine whether each business line or product creates or has created any unanticipated liquidity risk, and to determine whether the liquidity risk of each strategy or product is within the foreign banking organization's established liquidity risk tolerance for its combined U.S. operations., (4) Cash-flow projections. The U.S. chief risk officer of a foreign banking organization subject to this subpart must review the cash-flow projections produced under paragraph (d) of this section at least quarterly (or more often, if changes in market conditions or the liquidity position, risk profile, or financial condition of the foreign banking organization or the U.S. operations warrant) to ensure that the liquidity risk of the foreign banking organization's combined U.S. operations is within the established liquidity risk tolerance., (5) Liquidity risk limits. The U.S. chief risk officer of a foreign banking organization subject to this subpart must establish liquidity risk limits as set forth in paragraph (f) of this section and review the foreign banking organization's compliance with those limits at least quarterly (or more often, if changes in market conditions or the liquidity position, risk profile, or financial condition of the U.S. operations of the foreign banking organization warrant)., (6) Liquidity stress testing. The U.S. chief risk officer of a foreign banking organization subject to this subpart must:, (i) Approve the liquidity stress testing practices, methodologies, and assumptions required in \u00a7 252.157(a) at least quarterly, and whenever the foreign banking organization materially revises its liquidity stress testing practices, methodologies or assumptions;, (ii) Review the liquidity stress testing results produced under \u00a7 252.157(a) of this subpart at least quarterly; and, (iii) Approve the size and composition of the liquidity buffer established under \u00a7 252.157(c) of this subpart at least quarterly., (c) Independent review function. (1) A foreign banking organization subject to this subpart must establish and maintain a review function, which is independent of the management functions that execute funding for its combined U.S. operations, to evaluate the liquidity risk management for its combined U.S. operations., (2) The independent review function must:, (i) Regularly, but no less frequently than annually, review and evaluate the adequacy and effectiveness of the foreign banking organization's liquidity risk management processes within the combined U.S. operations, including its liquidity stress test processes and assumptions;, (ii) Assess whether the foreign banking organization's liquidity risk-management function of its combined U.S. operations complies with applicable laws and regulations, and sound business practices; and, (iii) Report material liquidity risk management issues to the U.S. risk committee and the enterprise-wide risk committee in writing for corrective action, to the extent permitted by applicable law., (d) Cash-flow projections. (1) A foreign banking organization subject to this subpart must produce comprehensive cash-flow projections for its combined U.S. operations that project cash flows arising from assets, liabilities, and off-balance sheet exposures over, at a minimum, short- and long-term time horizons. The foreign banking organization must update short-term cash-flow projections daily and must update longer-term cash-flow projections at least monthly., (2) The foreign banking organization must establish a methodology for making cash-flow projections for its combined U.S. operations that results in projections which:, (i) Include cash flows arising from contractual maturities, intercompany transactions, new business, funding renewals, customer options, and other potential events that may impact liquidity;, (ii) Include reasonable assumptions regarding the future behavior of assets, liabilities, and off-balance sheet exposures;, (iii) Identify and quantify discrete and cumulative cash-flow mismatches over these time periods; and, (iv) Include sufficient detail to reflect the capital structure, risk profile, complexity, currency exposure, activities, and size of the foreign banking organization and its combined U.S. operations, and include analyses by business line, currency, or legal entity as appropriate., (e) Contingency funding plan. (1) A foreign banking organization subject to this subpart must establish and maintain a contingency funding plan for its combined U.S. operations that sets out the foreign banking organization's strategies for addressing liquidity needs during liquidity stress events. The contingency funding plan must be commensurate with the capital structure, risk profile, complexity, activities, size, and the established liquidity risk tolerance for the combined U.S. operations. The foreign banking organization must update the contingency funding plan for its combined U.S. operations at least annually, and when changes to market and idiosyncratic conditions warrant., (2) Components of the contingency funding plan - (i) Quantitative assessment. The contingency funding plan for the combined U.S. operations must:, (A) Identify liquidity stress events that could have a significant impact on the liquidity of the foreign banking organization or its combined U.S. operations;, (B) Assess the level and nature of the impact on the liquidity of the foreign banking organization and its combined U.S. operations that may occur during identified liquidity stress events;, (C) Identify the circumstances in which the foreign banking organization would implement its action plan described in paragraph (e)(2)(ii)(A) of this section, which circumstances must include failure to meet any minimum liquidity requirement imposed by the Board on the foreign banking organization's combined U.S. operations;, (D) Assess available funding sources and needs during the identified liquidity stress events;, (E) Identify alternative funding sources that may be used during the identified liquidity stress events; and, (F) Incorporate information generated by the liquidity stress testing required under \u00a7 252.157(a) of this subpart., (ii) Liquidity event management process. The contingency funding plan for the combined U.S. operations must include an event management process that sets out the foreign banking organization's procedures for managing liquidity during identified liquidity stress events for the combined U.S. operations. The liquidity event management process must:, (A) Include an action plan that clearly describes the strategies that the foreign banking organization will use to respond to liquidity shortfalls in its combined U.S. operations for identified liquidity stress events, including the methods that the organization or the combined U.S. operations will use to access alternative funding sources;, (B) Identify a liquidity stress event management team that would execute the action plan in paragraph (e)(2)(i) of this section for the combined U.S. operations;, (C) Specify the process, responsibilities, and triggers for invoking the contingency funding plan, describe the decision-making process during the identified liquidity stress events, and describe the process for executing contingency measures identified in the action plan; and, (D) Provide a mechanism that ensures effective reporting and communication within the combined U.S. operations of the foreign banking organization and with outside parties, including the Board and other relevant supervisors, counterparties, and other stakeholders., (iii) Monitoring. The contingency funding plan for the combined U.S. operations must include procedures for monitoring emerging liquidity stress events. The procedures must identify early warning indicators that are tailored to the capital structure, risk profile, complexity, activities, and size of the foreign banking organization and its combined U.S. operations., (iv) Testing. A foreign banking organization must periodically test:, (A) The components of the contingency funding plan to assess the plan's reliability during liquidity stress events;, (B) The operational elements of the contingency funding plan, including operational simulations to test communications, coordination, and decision-making by relevant management; and, (C) The methods it will use to access alternative funding sources for its combined U.S. operations to determine whether these funding sources will be readily available when needed., (f) Liquidity risk limits - (1) General. A foreign banking organization must monitor sources of liquidity risk and establish limits on liquidity risk that are consistent with the organization's established liquidity risk tolerance and that reflect the organization's capital structure, risk profile, complexity, activities, and size., (2) Liquidity risk limits established by a Category II foreign banking organization or Category III foreign banking organization. If the foreign banking organization is not a Category IV foreign banking organization, liquidity risk limits established under paragraph (f)(1) of this section must include limits on:, (i) Concentrations in sources of funding by instrument type, single counterparty, counterparty type, secured and unsecured funding, and as applicable, other forms of liquidity risk;, (ii) The amount of liabilities that mature within various time horizons; and, (iii) Off-balance sheet exposures and other exposures that could create funding needs during liquidity stress events., (g) Collateral, legal entity, and intraday liquidity risk monitoring. A foreign banking organization subject to this subpart or more must establish and maintain procedures for monitoring liquidity risk as set forth in this paragraph (g)., (1) Collateral. The foreign banking organization must establish and maintain policies and procedures to monitor assets that have been, or are available to be, pledged as collateral in connection with transactions to which entities in its U.S. operations are counterparties. These policies and procedures must provide that the foreign banking organization:, (i) Calculates all of the collateral positions for its combined U.S. operations according to the frequency specified in paragraph (g)(1)(i)(A) or (B) of this section or as directed by the Board, specifying the value of pledged assets relative to the amount of security required under the relevant contracts and the value of unencumbered assets available to be pledged:, (A) If the foreign banking organization is not a Category IV foreign banking organization, on at least a weekly basis; or, (B) If the foreign banking organization is a Category IV foreign banking organization, on at least a monthly basis;, (ii) Monitors the levels of unencumbered assets available to be pledged by legal entity, jurisdiction, and currency exposure;, (iii) Monitors shifts in the foreign banking organization's funding patterns, including shifts between intraday, overnight, and term pledging of collateral; and, (iv) Tracks operational and timing requirements associated with accessing collateral at its physical location (for example, the custodian or securities settlement system that holds the collateral)., (2) Legal entities, currencies and business lines. The foreign banking organization must establish and maintain procedures for monitoring and controlling liquidity risk exposures and funding needs of its combined U.S. operations, within and across significant legal entities, currencies, and business lines and taking into account legal and regulatory restrictions on the transfer of liquidity between legal entities., (3) Intraday exposure. The foreign banking organization must establish and maintain procedures for monitoring intraday liquidity risk exposure for its combined U.S. operations that are consistent with the capital structure, risk profile, complexity, activities, and size of the foreign banking organization and its combined U.S. operations. If the foreign banking organization is not a Category IV banking organization these procedures must address how the management of the combined U.S. operations will:, (i) Monitor and measure expected gross daily inflows and outflows;, (ii) Manage and transfer collateral to obtain intraday credit;, (iii) Identify and prioritize time-specific obligations so that the foreign banking organizations can meet these obligations as expected and settle less critical obligations as soon as possible;, (iv) Manage the issuance of credit to customers where necessary; and, (v) Consider the amounts of collateral and liquidity needed to meet payment systems obligations when assessing the overall liquidity needs of the combined U.S. operations.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["252"],"part_title":["PART 252 - ENHANCED PRUDENTIAL STANDARDS (REGULATION YY)"],"section":["252.156"],"section_title":["\u00a7 252.156 Liquidity risk-management requirements for foreign banking organizations with combined U.S. assets of $100 billion or more."]},"_input_hash":-115169917,"_task_hash":1706240100,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829169,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Background. The Farm Credit Administration is an independent, non-appropriated fund agency in the executive branch of the Federal Government. The FCA Board and employees carry out the FCA's functions, powers, and duties., (b) Locations. FCA's headquarters address is 1501 Farm Credit Drive, McLean, Virginia 22102-5090. The FCA has the following field offices:","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ADMINISTRATIVE PROVISIONS"],"part":["600"],"part_title":["PART 600 - ORGANIZATION AND FUNCTIONS"],"section":["600.2"],"section_title":["\u00a7 600.2 Farm Credit Administration."]},"_input_hash":-441409942,"_task_hash":151437314,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843926,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Background. The Farm Credit Administration is an independent, non-appropriated fund agency in the executive branch of the Federal Government. The FCA Board and employees carry out the FCA's functions, powers, and duties., (b) Locations. FCA's headquarters address is 1501 Farm Credit Drive, McLean, Virginia 22102-5090. The FCA has the following field offices:","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ADMINISTRATIVE PROVISIONS"],"part":["600"],"part_title":["PART 600 - ORGANIZATION AND FUNCTIONS"],"section":["600.2"],"section_title":["\u00a7 600.2 Farm Credit Administration."]},"_input_hash":-441409942,"_task_hash":151437314,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813562,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Background. The Farm Credit Administration is an independent, non-appropriated fund agency in the executive branch of the Federal Government. The FCA Board and employees carry out the FCA's functions, powers, and duties., (b) Locations. FCA's headquarters address is 1501 Farm Credit Drive, McLean, Virginia 22102-5090. The FCA has the following field offices:","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ADMINISTRATIVE PROVISIONS"],"part":["600"],"part_title":["PART 600 - ORGANIZATION AND FUNCTIONS"],"section":["600.2"],"section_title":["\u00a7 600.2 Farm Credit Administration."]},"_input_hash":-441409942,"_task_hash":742295775,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829180,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Within 60 days following the close of the record on the hearing, or receipt of written submissions where a hearing has been waived, the Board shall notify the institution-affiliated party whether the notice of suspension or prohibition will be continued, terminated, or otherwise modified, or whether the order of removal or prohibition will be rescinded or otherwise modified. The notification shall contain a statement of the basis for any adverse decision by the Board. In the case of a decision favorable to the institution-affiliated party, the Board shall take prompt action to rescind or otherwise modify the order of suspension, removal or prohibition., (b) In deciding the question of suspension, removal, or prohibition under this subpart, the Board shall not rule on the question of the guilt or innocence of the individual with respect to the crime with which the individual has been charged.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["263"],"part_title":["PART 263 - RULES OF PRACTICE FOR HEARINGS"],"section":["263.74"],"section_title":["\u00a7 263.74 Decision of the Board."]},"_input_hash":-378339164,"_task_hash":602135889,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843937,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"(a) Within 60 days following the close of the record on the hearing, or receipt of written submissions where a hearing has been waived, the Board shall notify the institution-affiliated party whether the notice of suspension or prohibition will be continued, terminated, or otherwise modified, or whether the order of removal or prohibition will be rescinded or otherwise modified. The notification shall contain a statement of the basis for any adverse decision by the Board. In the case of a decision favorable to the institution-affiliated party, the Board shall take prompt action to rescind or otherwise modify the order of suspension, removal or prohibition., (b) In deciding the question of suspension, removal, or prohibition under this subpart, the Board shall not rule on the question of the guilt or innocence of the individual with respect to the crime with which the individual has been charged.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["263"],"part_title":["PART 263 - RULES OF PRACTICE FOR HEARINGS"],"section":["263.74"],"section_title":["\u00a7 263.74 Decision of the Board."]},"_input_hash":-378339164,"_task_hash":602135889,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813579,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"(a) Within 60 days following the close of the record on the hearing, or receipt of written submissions where a hearing has been waived, the Board shall notify the institution-affiliated party whether the notice of suspension or prohibition will be continued, terminated, or otherwise modified, or whether the order of removal or prohibition will be rescinded or otherwise modified. The notification shall contain a statement of the basis for any adverse decision by the Board. In the case of a decision favorable to the institution-affiliated party, the Board shall take prompt action to rescind or otherwise modify the order of suspension, removal or prohibition., (b) In deciding the question of suspension, removal, or prohibition under this subpart, the Board shall not rule on the question of the guilt or innocence of the individual with respect to the crime with which the individual has been charged.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["263"],"part_title":["PART 263 - RULES OF PRACTICE FOR HEARINGS"],"section":["263.74"],"section_title":["\u00a7 263.74 Decision of the Board."]},"_input_hash":-378339164,"_task_hash":451266937,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711821129,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) A mutual savings association may not reorganize to become a mutual holding company, or join in a mutual holding company reorganization as an acquiree association, unless it satisfies the following conditions:, (1) A Reorganization Plan is approved by a majority of the board of directors of the reorganizing association and any acquiree association;, (2) A Reorganization Notice is filed with the Board pursuant to \u00a7 238.14 of this chapter;, (3) The Reorganization Plan is submitted to the members of the reorganizing association and any acquiree association pursuant and is approved by a majority of the total votes of the members of each association eligible to be cast at a meeting held at the call of each association's directors in accordance with the procedures prescribed by each association's charter and bylaws; and, (4) All necessary regulatory approvals have been obtained and all conditions imposed by the Board have been satisfied., (b) Upon receipt of an application under this section, the Reserve Bank will promptly furnish notice and a copy of the Reorganization Plan to the primary federal supervisor of any savings association involved in the transaction. The primary supervisor will have 30 calendar days from the date of the letter giving notice in which to submit its views and recommendations to the Board.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["239"],"part_title":["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"],"section":["239.3"],"section_title":["\u00a7 239.3 Mutual holding company reorganizations."]},"_input_hash":1067527441,"_task_hash":657990612,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843941,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) A mutual savings association may not reorganize to become a mutual holding company, or join in a mutual holding company reorganization as an acquiree association, unless it satisfies the following conditions:, (1) A Reorganization Plan is approved by a majority of the board of directors of the reorganizing association and any acquiree association;, (2) A Reorganization Notice is filed with the Board pursuant to \u00a7 238.14 of this chapter;, (3) The Reorganization Plan is submitted to the members of the reorganizing association and any acquiree association pursuant and is approved by a majority of the total votes of the members of each association eligible to be cast at a meeting held at the call of each association's directors in accordance with the procedures prescribed by each association's charter and bylaws; and, (4) All necessary regulatory approvals have been obtained and all conditions imposed by the Board have been satisfied., (b) Upon receipt of an application under this section, the Reserve Bank will promptly furnish notice and a copy of the Reorganization Plan to the primary federal supervisor of any savings association involved in the transaction. The primary supervisor will have 30 calendar days from the date of the letter giving notice in which to submit its views and recommendations to the Board.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["239"],"part_title":["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"],"section":["239.3"],"section_title":["\u00a7 239.3 Mutual holding company reorganizations."]},"_input_hash":1067527441,"_task_hash":657990612,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813600,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) A mutual savings association may not reorganize to become a mutual holding company, or join in a mutual holding company reorganization as an acquiree association, unless it satisfies the following conditions:, (1) A Reorganization Plan is approved by a majority of the board of directors of the reorganizing association and any acquiree association;, (2) A Reorganization Notice is filed with the Board pursuant to \u00a7 238.14 of this chapter;, (3) The Reorganization Plan is submitted to the members of the reorganizing association and any acquiree association pursuant and is approved by a majority of the total votes of the members of each association eligible to be cast at a meeting held at the call of each association's directors in accordance with the procedures prescribed by each association's charter and bylaws; and, (4) All necessary regulatory approvals have been obtained and all conditions imposed by the Board have been satisfied., (b) Upon receipt of an application under this section, the Reserve Bank will promptly furnish notice and a copy of the Reorganization Plan to the primary federal supervisor of any savings association involved in the transaction. The primary supervisor will have 30 calendar days from the date of the letter giving notice in which to submit its views and recommendations to the Board.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["239"],"part_title":["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"],"section":["239.3"],"section_title":["\u00a7 239.3 Mutual holding company reorganizations."]},"_input_hash":1067527441,"_task_hash":-1138836438,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711821137,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) A mutual savings association may not reorganize to become a mutual holding company, or join in a mutual holding company reorganization as an acquiree association, unless it satisfies the following conditions:, (1) A Reorganization Plan is approved by a majority of the board of directors of the reorganizing association and any acquiree association;, (2) A Reorganization Notice is filed with the Board pursuant to \u00a7 238.14 of this chapter;, (3) The Reorganization Plan is submitted to the members of the reorganizing association and any acquiree association pursuant and is approved by a majority of the total votes of the members of each association eligible to be cast at a meeting held at the call of each association's directors in accordance with the procedures prescribed by each association's charter and bylaws; and, (4) All necessary regulatory approvals have been obtained and all conditions imposed by the Board have been satisfied., (b) Upon receipt of an application under this section, the Reserve Bank will promptly furnish notice and a copy of the Reorganization Plan to the primary federal supervisor of any savings association involved in the transaction. The primary supervisor will have 30 calendar days from the date of the letter giving notice in which to submit its views and recommendations to the Board.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["239"],"part_title":["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"],"section":["239.3"],"section_title":["\u00a7 239.3 Mutual holding company reorganizations."]},"_input_hash":1067527441,"_task_hash":1009800224,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829208,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Long-term real estate lending. Except to the extent such authorities are transferred pursuant to section 7.6 of the Act, Farm Credit Banks are authorized, subject to the requirements in \u00a7 614.4200 of this part, to make real estate mortgage loans with maturities of not less than 5 years nor more than 40 years and continuing commitments to make such loans., (b) Extensions of credit to Farm Credit direct lender associations. Farm Credit Banks are authorized to make loans and extend other similar financial assistance to associations with direct lending authority and discount for or purchase from such associations, with the association's endorsement or guaranty, any note, draft, and other obligations for loans that have been made in accordance with the provisions of subparts D and E of part 614 of these regulations. Such extensions of credit shall be made pursuant to a written financing agreement meeting the requirements of \u00a7 614.4125., (c) Extensions of credit to other financing institutions. Farm Credit Banks are authorized to make loans and extend other similar financial assistance to any national bank, State bank, trust company, agricultural credit corporation, incorporated livestock loan company, savings institution, credit union, or any association of agricultural producers or any corporation engaged in the making of loans to farmers and ranchers or producers or harvesters of aquatic products (collectively, \u201cother financing institutions\u201d), for purposes eligible for financing by a production credit association in accordance with \u00a7 614.4130 and subpart P of this part. Farm Credit Banks are authorized to discount for or purchase from such institutions, with the institution's endorsement or guaranty, notes, drafts, and other obligations or loans made to persons and for purposes eligible for financing by a production credit association, in accordance with \u00a7 614.4130 and subpart P of this part., (d) Loan participations. Subject to the requirements of subpart H of part 614, a Farm Credit Bank may enter into loan participation agreements with:, (1) Farm Credit banks and associations that are direct lenders and lenders that are not Farm Credit institutions on loans of the type it is authorized to make under title I of the Act; , (2) Farm Credit banks and associations that are direct lenders on loans it is not authorized to make, provided the borrower eligibility, membership, term, amount, loan security, and stock or participation certificate requirements of the originating institution are met; and, (3) The Federal Agricultural Mortgage Corporation to the extent provided in \u00a7 614.4055. , (e) Other interests in loans. (1) Subject to the requirements of subpart H of this part, Farm Credit Banks may sell interests in loans only to:, (i) Farm Credit System institutions authorized to purchase such interests;, (ii) Other lenders that are not Farm Credit System institutions; and, (iii) Any certified agricultural mortgage marketing facility, as defined by section 8.0(3) of the Act, for the purpose of pooling and securitizing such loans under title VIII of the Act., (2) Subject to the requirements of subpart H of this part, Farm Credit Banks may purchase interests other than participation interests in loans and nonvoting stock from other Farm Credit System institutions., (3) Farm Credit Banks, in their capacity as certified agricultural mortgage marketing facilities under title VIII of the Act, may purchase interests in loans (other than participation interests authorized in paragraph (d) of this section) from institutions other than Farm Credit System institutions only for the purpose of pooling and securitizing such loans under title VIII of the Act., (f) Residual powers after the transfer of lending authority to an association. After transferring its authority to make and participate in long-term real estate loans to an agricultural credit association or a Federal land credit association pursuant to section 7.6(a) of the Act and subpart E of part 611 of these regulations, a Farm Credit Bank retains residual authority to:, (1) Enter into loan participation agreements pursuant to paragraph (d) of this section;, (2) Purchase or sell other interests in loans in accordance with paragraph (e) of this section; and , (3) Make long-term real estate loans in accordance with paragraph (a) of this section in areas of its chartered territory where no active association operates.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4000"],"section_title":["\u00a7 614.4000 Farm Credit Banks."]},"_input_hash":291990791,"_task_hash":-571382339,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843942,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) Long-term real estate lending. Except to the extent such authorities are transferred pursuant to section 7.6 of the Act, Farm Credit Banks are authorized, subject to the requirements in \u00a7 614.4200 of this part, to make real estate mortgage loans with maturities of not less than 5 years nor more than 40 years and continuing commitments to make such loans., (b) Extensions of credit to Farm Credit direct lender associations. Farm Credit Banks are authorized to make loans and extend other similar financial assistance to associations with direct lending authority and discount for or purchase from such associations, with the association's endorsement or guaranty, any note, draft, and other obligations for loans that have been made in accordance with the provisions of subparts D and E of part 614 of these regulations. Such extensions of credit shall be made pursuant to a written financing agreement meeting the requirements of \u00a7 614.4125., (c) Extensions of credit to other financing institutions. Farm Credit Banks are authorized to make loans and extend other similar financial assistance to any national bank, State bank, trust company, agricultural credit corporation, incorporated livestock loan company, savings institution, credit union, or any association of agricultural producers or any corporation engaged in the making of loans to farmers and ranchers or producers or harvesters of aquatic products (collectively, \u201cother financing institutions\u201d), for purposes eligible for financing by a production credit association in accordance with \u00a7 614.4130 and subpart P of this part. Farm Credit Banks are authorized to discount for or purchase from such institutions, with the institution's endorsement or guaranty, notes, drafts, and other obligations or loans made to persons and for purposes eligible for financing by a production credit association, in accordance with \u00a7 614.4130 and subpart P of this part., (d) Loan participations. Subject to the requirements of subpart H of part 614, a Farm Credit Bank may enter into loan participation agreements with:, (1) Farm Credit banks and associations that are direct lenders and lenders that are not Farm Credit institutions on loans of the type it is authorized to make under title I of the Act; , (2) Farm Credit banks and associations that are direct lenders on loans it is not authorized to make, provided the borrower eligibility, membership, term, amount, loan security, and stock or participation certificate requirements of the originating institution are met; and, (3) The Federal Agricultural Mortgage Corporation to the extent provided in \u00a7 614.4055. , (e) Other interests in loans. (1) Subject to the requirements of subpart H of this part, Farm Credit Banks may sell interests in loans only to:, (i) Farm Credit System institutions authorized to purchase such interests;, (ii) Other lenders that are not Farm Credit System institutions; and, (iii) Any certified agricultural mortgage marketing facility, as defined by section 8.0(3) of the Act, for the purpose of pooling and securitizing such loans under title VIII of the Act., (2) Subject to the requirements of subpart H of this part, Farm Credit Banks may purchase interests other than participation interests in loans and nonvoting stock from other Farm Credit System institutions., (3) Farm Credit Banks, in their capacity as certified agricultural mortgage marketing facilities under title VIII of the Act, may purchase interests in loans (other than participation interests authorized in paragraph (d) of this section) from institutions other than Farm Credit System institutions only for the purpose of pooling and securitizing such loans under title VIII of the Act., (f) Residual powers after the transfer of lending authority to an association. After transferring its authority to make and participate in long-term real estate loans to an agricultural credit association or a Federal land credit association pursuant to section 7.6(a) of the Act and subpart E of part 611 of these regulations, a Farm Credit Bank retains residual authority to:, (1) Enter into loan participation agreements pursuant to paragraph (d) of this section;, (2) Purchase or sell other interests in loans in accordance with paragraph (e) of this section; and , (3) Make long-term real estate loans in accordance with paragraph (a) of this section in areas of its chartered territory where no active association operates.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4000"],"section_title":["\u00a7 614.4000 Farm Credit Banks."]},"_input_hash":291990791,"_task_hash":-571382339,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813621,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) Long-term real estate lending. Except to the extent such authorities are transferred pursuant to section 7.6 of the Act, Farm Credit Banks are authorized, subject to the requirements in \u00a7 614.4200 of this part, to make real estate mortgage loans with maturities of not less than 5 years nor more than 40 years and continuing commitments to make such loans., (b) Extensions of credit to Farm Credit direct lender associations. Farm Credit Banks are authorized to make loans and extend other similar financial assistance to associations with direct lending authority and discount for or purchase from such associations, with the association's endorsement or guaranty, any note, draft, and other obligations for loans that have been made in accordance with the provisions of subparts D and E of part 614 of these regulations. Such extensions of credit shall be made pursuant to a written financing agreement meeting the requirements of \u00a7 614.4125., (c) Extensions of credit to other financing institutions. Farm Credit Banks are authorized to make loans and extend other similar financial assistance to any national bank, State bank, trust company, agricultural credit corporation, incorporated livestock loan company, savings institution, credit union, or any association of agricultural producers or any corporation engaged in the making of loans to farmers and ranchers or producers or harvesters of aquatic products (collectively, \u201cother financing institutions\u201d), for purposes eligible for financing by a production credit association in accordance with \u00a7 614.4130 and subpart P of this part. Farm Credit Banks are authorized to discount for or purchase from such institutions, with the institution's endorsement or guaranty, notes, drafts, and other obligations or loans made to persons and for purposes eligible for financing by a production credit association, in accordance with \u00a7 614.4130 and subpart P of this part., (d) Loan participations. Subject to the requirements of subpart H of part 614, a Farm Credit Bank may enter into loan participation agreements with:, (1) Farm Credit banks and associations that are direct lenders and lenders that are not Farm Credit institutions on loans of the type it is authorized to make under title I of the Act; , (2) Farm Credit banks and associations that are direct lenders on loans it is not authorized to make, provided the borrower eligibility, membership, term, amount, loan security, and stock or participation certificate requirements of the originating institution are met; and, (3) The Federal Agricultural Mortgage Corporation to the extent provided in \u00a7 614.4055. , (e) Other interests in loans. (1) Subject to the requirements of subpart H of this part, Farm Credit Banks may sell interests in loans only to:, (i) Farm Credit System institutions authorized to purchase such interests;, (ii) Other lenders that are not Farm Credit System institutions; and, (iii) Any certified agricultural mortgage marketing facility, as defined by section 8.0(3) of the Act, for the purpose of pooling and securitizing such loans under title VIII of the Act., (2) Subject to the requirements of subpart H of this part, Farm Credit Banks may purchase interests other than participation interests in loans and nonvoting stock from other Farm Credit System institutions., (3) Farm Credit Banks, in their capacity as certified agricultural mortgage marketing facilities under title VIII of the Act, may purchase interests in loans (other than participation interests authorized in paragraph (d) of this section) from institutions other than Farm Credit System institutions only for the purpose of pooling and securitizing such loans under title VIII of the Act., (f) Residual powers after the transfer of lending authority to an association. After transferring its authority to make and participate in long-term real estate loans to an agricultural credit association or a Federal land credit association pursuant to section 7.6(a) of the Act and subpart E of part 611 of these regulations, a Farm Credit Bank retains residual authority to:, (1) Enter into loan participation agreements pursuant to paragraph (d) of this section;, (2) Purchase or sell other interests in loans in accordance with paragraph (e) of this section; and , (3) Make long-term real estate loans in accordance with paragraph (a) of this section in areas of its chartered territory where no active association operates.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4000"],"section_title":["\u00a7 614.4000 Farm Credit Banks."]},"_input_hash":291990791,"_task_hash":57675946,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829254,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false},{"text":"(a) Long-term real estate lending. Except to the extent such authorities are transferred pursuant to section 7.6 of the Act, Farm Credit Banks are authorized, subject to the requirements in \u00a7 614.4200 of this part, to make real estate mortgage loans with maturities of not less than 5 years nor more than 40 years and continuing commitments to make such loans., (b) Extensions of credit to Farm Credit direct lender associations. Farm Credit Banks are authorized to make loans and extend other similar financial assistance to associations with direct lending authority and discount for or purchase from such associations, with the association's endorsement or guaranty, any note, draft, and other obligations for loans that have been made in accordance with the provisions of subparts D and E of part 614 of these regulations. Such extensions of credit shall be made pursuant to a written financing agreement meeting the requirements of \u00a7 614.4125., (c) Extensions of credit to other financing institutions. Farm Credit Banks are authorized to make loans and extend other similar financial assistance to any national bank, State bank, trust company, agricultural credit corporation, incorporated livestock loan company, savings institution, credit union, or any association of agricultural producers or any corporation engaged in the making of loans to farmers and ranchers or producers or harvesters of aquatic products (collectively, \u201cother financing institutions\u201d), for purposes eligible for financing by a production credit association in accordance with \u00a7 614.4130 and subpart P of this part. Farm Credit Banks are authorized to discount for or purchase from such institutions, with the institution's endorsement or guaranty, notes, drafts, and other obligations or loans made to persons and for purposes eligible for financing by a production credit association, in accordance with \u00a7 614.4130 and subpart P of this part., (d) Loan participations. Subject to the requirements of subpart H of part 614, a Farm Credit Bank may enter into loan participation agreements with:, (1) Farm Credit banks and associations that are direct lenders and lenders that are not Farm Credit institutions on loans of the type it is authorized to make under title I of the Act; , (2) Farm Credit banks and associations that are direct lenders on loans it is not authorized to make, provided the borrower eligibility, membership, term, amount, loan security, and stock or participation certificate requirements of the originating institution are met; and, (3) The Federal Agricultural Mortgage Corporation to the extent provided in \u00a7 614.4055. , (e) Other interests in loans. (1) Subject to the requirements of subpart H of this part, Farm Credit Banks may sell interests in loans only to:, (i) Farm Credit System institutions authorized to purchase such interests;, (ii) Other lenders that are not Farm Credit System institutions; and, (iii) Any certified agricultural mortgage marketing facility, as defined by section 8.0(3) of the Act, for the purpose of pooling and securitizing such loans under title VIII of the Act., (2) Subject to the requirements of subpart H of this part, Farm Credit Banks may purchase interests other than participation interests in loans and nonvoting stock from other Farm Credit System institutions., (3) Farm Credit Banks, in their capacity as certified agricultural mortgage marketing facilities under title VIII of the Act, may purchase interests in loans (other than participation interests authorized in paragraph (d) of this section) from institutions other than Farm Credit System institutions only for the purpose of pooling and securitizing such loans under title VIII of the Act., (f) Residual powers after the transfer of lending authority to an association. After transferring its authority to make and participate in long-term real estate loans to an agricultural credit association or a Federal land credit association pursuant to section 7.6(a) of the Act and subpart E of part 611 of these regulations, a Farm Credit Bank retains residual authority to:, (1) Enter into loan participation agreements pursuant to paragraph (d) of this section;, (2) Purchase or sell other interests in loans in accordance with paragraph (e) of this section; and , (3) Make long-term real estate loans in accordance with paragraph (a) of this section in areas of its chartered territory where no active association operates.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4000"],"section_title":["\u00a7 614.4000 Farm Credit Banks."]},"_input_hash":291990791,"_task_hash":537054568,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711836382,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"The rules in this subpart apply only to informal and formal investigations conducted by the NCUA Board itself or its delegates. They do not apply to adjudicative or rulemaking proceedings or to routine, periodic or special examinations conducted by the NCUA Board's staff.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.701"],"section_title":["\u00a7 747.701 Applicability."]},"_input_hash":1981500538,"_task_hash":1077270187,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843944,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\""],"versions":[{"text":"The rules in this subpart apply only to informal and formal investigations conducted by the NCUA Board itself or its delegates. They do not apply to adjudicative or rulemaking proceedings or to routine, periodic or special examinations conducted by the NCUA Board's staff.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.701"],"section_title":["\u00a7 747.701 Applicability."]},"_input_hash":1981500538,"_task_hash":1404002958,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813640,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"The rules in this subpart apply only to informal and formal investigations conducted by the NCUA Board itself or its delegates. They do not apply to adjudicative or rulemaking proceedings or to routine, periodic or special examinations conducted by the NCUA Board's staff.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.701"],"section_title":["\u00a7 747.701 Applicability."]},"_input_hash":1981500538,"_task_hash":1077270187,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711821214,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\""],"default":true},{"text":"The rules in this subpart apply only to informal and formal investigations conducted by the NCUA Board itself or its delegates. They do not apply to adjudicative or rulemaking proceedings or to routine, periodic or special examinations conducted by the NCUA Board's staff.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.701"],"section_title":["\u00a7 747.701 Applicability."]},"_input_hash":1981500538,"_task_hash":1075669862,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711836401,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"This subpart sets forth procedures for complying with notice and application requirements contained in subpart A of part 362 of this chapter, governing insured state banks and their subsidiaries engaging in activities which are not permissible for national banks and their subsidiaries. This subpart sets forth procedures for complying with notice and application requirements contained in subpart B of part 362 of this chapter, governing certain activities of insured state nonmember banks, their subsidiaries, and certain affiliates. This subpart also sets forth procedures for complying with the notice requirements contained in subpart E of part 362 of this chapter, governing subsidiaries of insured state nonmember banks engaging in financial activities. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["303"],"part_title":["PART 303 - FILING PROCEDURES"],"section":["303.120"],"section_title":["\u00a7 303.120 Scope."]},"_input_hash":-1046139070,"_task_hash":1910989704,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843945,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"This subpart sets forth procedures for complying with notice and application requirements contained in subpart A of part 362 of this chapter, governing insured state banks and their subsidiaries engaging in activities which are not permissible for national banks and their subsidiaries. This subpart sets forth procedures for complying with notice and application requirements contained in subpart B of part 362 of this chapter, governing certain activities of insured state nonmember banks, their subsidiaries, and certain affiliates. This subpart also sets forth procedures for complying with the notice requirements contained in subpart E of part 362 of this chapter, governing subsidiaries of insured state nonmember banks engaging in financial activities. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["303"],"part_title":["PART 303 - FILING PROCEDURES"],"section":["303.120"],"section_title":["\u00a7 303.120 Scope."]},"_input_hash":-1046139070,"_task_hash":1910989704,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813671,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"This subpart sets forth procedures for complying with notice and application requirements contained in subpart A of part 362 of this chapter, governing insured state banks and their subsidiaries engaging in activities which are not permissible for national banks and their subsidiaries. This subpart sets forth procedures for complying with notice and application requirements contained in subpart B of part 362 of this chapter, governing certain activities of insured state nonmember banks, their subsidiaries, and certain affiliates. This subpart also sets forth procedures for complying with the notice requirements contained in subpart E of part 362 of this chapter, governing subsidiaries of insured state nonmember banks engaging in financial activities. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["303"],"part_title":["PART 303 - FILING PROCEDURES"],"section":["303.120"],"section_title":["\u00a7 303.120 Scope."]},"_input_hash":-1046139070,"_task_hash":-1149586069,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711821244,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Conflicts. No official, employee, or their immediate family member may receive any compensation or benefit, directly or indirectly, in connection with your engagement in an activity authorized under this part, except as otherwise provided in paragraph (b) of this section. This section does not apply if a conflicts of interest provision within another section of this chapter applies to a particular activity; in such case, the more specific conflicts of interest provision controls. For example: An official or employee that refers loan-related products offered by a third-party to a member, in connection with a loan made by you, is subject to the conflicts of interest provision in \u00a7 701.21(c)(8) of this chapter., (b) Permissible payments. This section does not prohibit:, (1) Payment, by you, of salary to your employees;, (2) Payment, by you, of an incentive or bonus to an employee based on your overall financial performance;, (3) Payment, by you, of an incentive or bonus to an employee, other than a senior management employee or paid official, in connection with an activity authorized by this part, provided that your board of directors establishes written policies and internal controls for the incentive program and monitors compliance with such policies and controls at least annually; and, (4) Payment, by a person other than you, of any compensation or benefit to an employee, other than a senior management employee or paid official, in connection with an activity authorized by this part, provided that your board of directors establishes written policies and internal controls regarding third-party compensation and determines that the employee's involvement does not present a conflict of interest., (c) Business associates and family members. All transactions with business associates or family members not specifically prohibited by paragraph (a) of this section must be conducted at arm's length and in the interest of the credit union., (d) Definitions. For purposes of this part, the following definitions apply., (1) Senior management employee means your chief executive officer (typically, this individual holds the title of President or Treasurer/Manager), any assistant chief executive officers (e.g. Assistant President, Vice President, or Assistant Treasurer/Manager), and the chief financial officer (Comptroller)., (2) Official means any member of your board of directors, credit committee or supervisory committee., (3) Immediate family member means a spouse or other family member living in the same household. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["721"],"part_title":["PART 721 - INCIDENTAL POWERS"],"section":["721.7"],"section_title":["\u00a7 721.7 What are the potential conflicts of interest for officials and employees when credit unions engage in activities approved under this part?"]},"_input_hash":-325432839,"_task_hash":878964290,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843957,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) Conflicts. No official, employee, or their immediate family member may receive any compensation or benefit, directly or indirectly, in connection with your engagement in an activity authorized under this part, except as otherwise provided in paragraph (b) of this section. This section does not apply if a conflicts of interest provision within another section of this chapter applies to a particular activity; in such case, the more specific conflicts of interest provision controls. For example: An official or employee that refers loan-related products offered by a third-party to a member, in connection with a loan made by you, is subject to the conflicts of interest provision in \u00a7 701.21(c)(8) of this chapter., (b) Permissible payments. This section does not prohibit:, (1) Payment, by you, of salary to your employees;, (2) Payment, by you, of an incentive or bonus to an employee based on your overall financial performance;, (3) Payment, by you, of an incentive or bonus to an employee, other than a senior management employee or paid official, in connection with an activity authorized by this part, provided that your board of directors establishes written policies and internal controls for the incentive program and monitors compliance with such policies and controls at least annually; and, (4) Payment, by a person other than you, of any compensation or benefit to an employee, other than a senior management employee or paid official, in connection with an activity authorized by this part, provided that your board of directors establishes written policies and internal controls regarding third-party compensation and determines that the employee's involvement does not present a conflict of interest., (c) Business associates and family members. All transactions with business associates or family members not specifically prohibited by paragraph (a) of this section must be conducted at arm's length and in the interest of the credit union., (d) Definitions. For purposes of this part, the following definitions apply., (1) Senior management employee means your chief executive officer (typically, this individual holds the title of President or Treasurer/Manager), any assistant chief executive officers (e.g. Assistant President, Vice President, or Assistant Treasurer/Manager), and the chief financial officer (Comptroller)., (2) Official means any member of your board of directors, credit committee or supervisory committee., (3) Immediate family member means a spouse or other family member living in the same household. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["721"],"part_title":["PART 721 - INCIDENTAL POWERS"],"section":["721.7"],"section_title":["\u00a7 721.7 What are the potential conflicts of interest for officials and employees when credit unions engage in activities approved under this part?"]},"_input_hash":-325432839,"_task_hash":878964290,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813764,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) Conflicts. No official, employee, or their immediate family member may receive any compensation or benefit, directly or indirectly, in connection with your engagement in an activity authorized under this part, except as otherwise provided in paragraph (b) of this section. This section does not apply if a conflicts of interest provision within another section of this chapter applies to a particular activity; in such case, the more specific conflicts of interest provision controls. For example: An official or employee that refers loan-related products offered by a third-party to a member, in connection with a loan made by you, is subject to the conflicts of interest provision in \u00a7 701.21(c)(8) of this chapter., (b) Permissible payments. This section does not prohibit:, (1) Payment, by you, of salary to your employees;, (2) Payment, by you, of an incentive or bonus to an employee based on your overall financial performance;, (3) Payment, by you, of an incentive or bonus to an employee, other than a senior management employee or paid official, in connection with an activity authorized by this part, provided that your board of directors establishes written policies and internal controls for the incentive program and monitors compliance with such policies and controls at least annually; and, (4) Payment, by a person other than you, of any compensation or benefit to an employee, other than a senior management employee or paid official, in connection with an activity authorized by this part, provided that your board of directors establishes written policies and internal controls regarding third-party compensation and determines that the employee's involvement does not present a conflict of interest., (c) Business associates and family members. All transactions with business associates or family members not specifically prohibited by paragraph (a) of this section must be conducted at arm's length and in the interest of the credit union., (d) Definitions. For purposes of this part, the following definitions apply., (1) Senior management employee means your chief executive officer (typically, this individual holds the title of President or Treasurer/Manager), any assistant chief executive officers (e.g. Assistant President, Vice President, or Assistant Treasurer/Manager), and the chief financial officer (Comptroller)., (2) Official means any member of your board of directors, credit committee or supervisory committee., (3) Immediate family member means a spouse or other family member living in the same household. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["721"],"part_title":["PART 721 - INCIDENTAL POWERS"],"section":["721.7"],"section_title":["\u00a7 721.7 What are the potential conflicts of interest for officials and employees when credit unions engage in activities approved under this part?"]},"_input_hash":-325432839,"_task_hash":-395541796,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829319,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) A bank is exempt from the definition of the term \u201cbroker\u201d under section 3(a)(4) of the Act (15 U.S.C. 78c(a)(4)), to the extent that, as agent, the bank:, (1) Effects a sale in compliance with the requirements of 17 CFR 230.903 of an eligible security to a purchaser who is not in the United States;, (2) Effects, by or on behalf of a person who is not a U.S. person under 17 CFR 230.902(k), a resale of an eligible security after its initial sale with a reasonable belief that the eligible security was initially sold outside of the United States within the meaning of and in compliance with the requirements of 17 CFR 230.903 to a purchaser who is not in the United States or a registered broker or dealer, provided that if the resale is made prior to the expiration of any applicable distribution compliance period specified in 17 CFR 230.903(b)(2) or (b)(3), the resale is made in compliance with the requirements of 17 CFR 230.904; or, (3) Effects, by or on behalf of a registered broker or dealer, a resale of an eligible security after its initial sale with a reasonable belief that the eligible security was initially sold outside of the United States within the meaning of and in compliance with the requirements of 17 CFR 230.903 to a purchaser who is not in the United States, provided that if the resale is made prior to the expiration of any applicable distribution compliance period specified in 17 CFR 230.903(b)(2) or (b)(3), the resale is made in compliance with the requirements of 17 CFR 230.904., (b) Definitions. For purposes of this section:, (1) Distributor has the same meaning as in 17 CFR 230.902(d)., (2) Eligible security means a security that:, (i) Is not being sold from the inventory of the bank or an affiliate of the bank; and, (ii) Is not being underwritten by the bank or an affiliate of the bank on a firm-commitment basis, unless the bank acquired the security from an unaffiliated distributor that did not purchase the security from the bank or an affiliate of the bank., (3) Purchaser means a person who purchases an eligible security and who is not a U.S. person under 17 CFR 230.902(k).","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["218"],"part_title":["PART 218 - EXCEPTIONS FOR BANKS FROM THE DEFINITION OF BROKER IN THE SECURITIES EXCHANGE ACT OF 1934 (REGULATION R)"],"section":["218.771"],"section_title":["\u00a7 218.771 Exemption from the definition of \u201cbroker\u201d for banks effecting transactions in securities issued pursuant to Regulation S."]},"_input_hash":-366174875,"_task_hash":1400710184,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843971,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) A bank is exempt from the definition of the term \u201cbroker\u201d under section 3(a)(4) of the Act (15 U.S.C. 78c(a)(4)), to the extent that, as agent, the bank:, (1) Effects a sale in compliance with the requirements of 17 CFR 230.903 of an eligible security to a purchaser who is not in the United States;, (2) Effects, by or on behalf of a person who is not a U.S. person under 17 CFR 230.902(k), a resale of an eligible security after its initial sale with a reasonable belief that the eligible security was initially sold outside of the United States within the meaning of and in compliance with the requirements of 17 CFR 230.903 to a purchaser who is not in the United States or a registered broker or dealer, provided that if the resale is made prior to the expiration of any applicable distribution compliance period specified in 17 CFR 230.903(b)(2) or (b)(3), the resale is made in compliance with the requirements of 17 CFR 230.904; or, (3) Effects, by or on behalf of a registered broker or dealer, a resale of an eligible security after its initial sale with a reasonable belief that the eligible security was initially sold outside of the United States within the meaning of and in compliance with the requirements of 17 CFR 230.903 to a purchaser who is not in the United States, provided that if the resale is made prior to the expiration of any applicable distribution compliance period specified in 17 CFR 230.903(b)(2) or (b)(3), the resale is made in compliance with the requirements of 17 CFR 230.904., (b) Definitions. For purposes of this section:, (1) Distributor has the same meaning as in 17 CFR 230.902(d)., (2) Eligible security means a security that:, (i) Is not being sold from the inventory of the bank or an affiliate of the bank; and, (ii) Is not being underwritten by the bank or an affiliate of the bank on a firm-commitment basis, unless the bank acquired the security from an unaffiliated distributor that did not purchase the security from the bank or an affiliate of the bank., (3) Purchaser means a person who purchases an eligible security and who is not a U.S. person under 17 CFR 230.902(k).","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["218"],"part_title":["PART 218 - EXCEPTIONS FOR BANKS FROM THE DEFINITION OF BROKER IN THE SECURITIES EXCHANGE ACT OF 1934 (REGULATION R)"],"section":["218.771"],"section_title":["\u00a7 218.771 Exemption from the definition of \u201cbroker\u201d for banks effecting transactions in securities issued pursuant to Regulation S."]},"_input_hash":-366174875,"_task_hash":1400710184,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813779,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) A bank is exempt from the definition of the term \u201cbroker\u201d under section 3(a)(4) of the Act (15 U.S.C. 78c(a)(4)), to the extent that, as agent, the bank:, (1) Effects a sale in compliance with the requirements of 17 CFR 230.903 of an eligible security to a purchaser who is not in the United States;, (2) Effects, by or on behalf of a person who is not a U.S. person under 17 CFR 230.902(k), a resale of an eligible security after its initial sale with a reasonable belief that the eligible security was initially sold outside of the United States within the meaning of and in compliance with the requirements of 17 CFR 230.903 to a purchaser who is not in the United States or a registered broker or dealer, provided that if the resale is made prior to the expiration of any applicable distribution compliance period specified in 17 CFR 230.903(b)(2) or (b)(3), the resale is made in compliance with the requirements of 17 CFR 230.904; or, (3) Effects, by or on behalf of a registered broker or dealer, a resale of an eligible security after its initial sale with a reasonable belief that the eligible security was initially sold outside of the United States within the meaning of and in compliance with the requirements of 17 CFR 230.903 to a purchaser who is not in the United States, provided that if the resale is made prior to the expiration of any applicable distribution compliance period specified in 17 CFR 230.903(b)(2) or (b)(3), the resale is made in compliance with the requirements of 17 CFR 230.904., (b) Definitions. For purposes of this section:, (1) Distributor has the same meaning as in 17 CFR 230.902(d)., (2) Eligible security means a security that:, (i) Is not being sold from the inventory of the bank or an affiliate of the bank; and, (ii) Is not being underwritten by the bank or an affiliate of the bank on a firm-commitment basis, unless the bank acquired the security from an unaffiliated distributor that did not purchase the security from the bank or an affiliate of the bank., (3) Purchaser means a person who purchases an eligible security and who is not a U.S. person under 17 CFR 230.902(k).","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["218"],"part_title":["PART 218 - EXCEPTIONS FOR BANKS FROM THE DEFINITION OF BROKER IN THE SECURITIES EXCHANGE ACT OF 1934 (REGULATION R)"],"section":["218.771"],"section_title":["\u00a7 218.771 Exemption from the definition of \u201cbroker\u201d for banks effecting transactions in securities issued pursuant to Regulation S."]},"_input_hash":-366174875,"_task_hash":-235006901,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829326,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"The Deputy Director for Federal Home Loan Bank Regulation may approve requests from a Bank seeking approval of any NBA notice submitted in accordance with this part. The Director reserves the right to modify, rescind, or supersede any such approval granted by the Deputy Director, with such action being effective only on a prospective basis.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1272"],"part_title":["PART 1272 - NEW BUSINESS ACTIVITIES"],"section":["1272.7"],"section_title":["\u00a7 1272.7 Approval of notices."]},"_input_hash":43048667,"_task_hash":754584284,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843973,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"The Deputy Director for Federal Home Loan Bank Regulation may approve requests from a Bank seeking approval of any NBA notice submitted in accordance with this part. The Director reserves the right to modify, rescind, or supersede any such approval granted by the Deputy Director, with such action being effective only on a prospective basis.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1272"],"part_title":["PART 1272 - NEW BUSINESS ACTIVITIES"],"section":["1272.7"],"section_title":["\u00a7 1272.7 Approval of notices."]},"_input_hash":43048667,"_task_hash":754584284,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813794,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"The Deputy Director for Federal Home Loan Bank Regulation may approve requests from a Bank seeking approval of any NBA notice submitted in accordance with this part. The Director reserves the right to modify, rescind, or supersede any such approval granted by the Deputy Director, with such action being effective only on a prospective basis.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1272"],"part_title":["PART 1272 - NEW BUSINESS ACTIVITIES"],"section":["1272.7"],"section_title":["\u00a7 1272.7 Approval of notices."]},"_input_hash":43048667,"_task_hash":920256365,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711821458,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Short- and intermediate-term loans. Production credit associations are authorized to make or guarantee short- and intermediate-term loans and provide other financial assistance for a term of:, (1) Not more than 7 years;, (2) More than 7 years, but not more than 10 years, as set forth in policies approved by the funding bank; or, (3) Not more than 15 years to producers and harvesters of aquatic products for major capital expenditures, including but not limited to the purchase of vessels, construction or purchase of shore facilities, and similar purposes directly related to the operations of producers or harvesters of aquatic products., (b) Loan participations. Subject to the requirements of subpart H of this part, a production credit association may enter into participation agreements with:, (1) Farm Credit banks and associations that are direct lenders and lenders that are not Farm Credit institutions on loans of the type it is authorized to make under title II of the Act;, (2) Farm Credit banks and associations that are direct lenders on loans it is not authorized to make, provided the borrower eligibility, membership, term, amount, loan security, and stock or participation certificate requirements of the originating institution are met; and, (3) The Federal Agricultural Mortgage Corporation to the extent provided in \u00a7 614.4055., (c) Other interests in loans. (1) Subject to the requirements of subpart H of this part and the supervision of their respective funding banks, production credit associations may sell interests in loans that are made under paragraph (a) of this section to:, (i) Banks of the Farm Credit System, as authorized by their respective funding banks; and, (ii) Any certified agricultural mortgage marketing facility, as defined by section 8.0(3) of the Act, for the purpose of pooling and securitizing such loans under title VIII of the Act., (2) Subject to the requirements of subpart H of this part, production credit associations, as authorized by their respective funding banks, may purchase interests in loans that comply with the requirements of paragraph (a) of this section and nonvoting stock from banks of the Farm Credit System., (3) Production credit associations, in their capacity as certified mortgage marketing facilities under title VIII of the Act, may purchase from Farm Credit System institutions and institutions that are not Farm Credit System institutions interests in loans (other than participation interests authorized by paragraph (c) of this section) for the purpose of pooling and securitizing such loans under title VIII of the Act.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4040"],"section_title":["\u00a7 614.4040 Production credit associations."]},"_input_hash":1084117535,"_task_hash":-2099292812,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843975,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Short- and intermediate-term loans. Production credit associations are authorized to make or guarantee short- and intermediate-term loans and provide other financial assistance for a term of:, (1) Not more than 7 years;, (2) More than 7 years, but not more than 10 years, as set forth in policies approved by the funding bank; or, (3) Not more than 15 years to producers and harvesters of aquatic products for major capital expenditures, including but not limited to the purchase of vessels, construction or purchase of shore facilities, and similar purposes directly related to the operations of producers or harvesters of aquatic products., (b) Loan participations. Subject to the requirements of subpart H of this part, a production credit association may enter into participation agreements with:, (1) Farm Credit banks and associations that are direct lenders and lenders that are not Farm Credit institutions on loans of the type it is authorized to make under title II of the Act;, (2) Farm Credit banks and associations that are direct lenders on loans it is not authorized to make, provided the borrower eligibility, membership, term, amount, loan security, and stock or participation certificate requirements of the originating institution are met; and, (3) The Federal Agricultural Mortgage Corporation to the extent provided in \u00a7 614.4055., (c) Other interests in loans. (1) Subject to the requirements of subpart H of this part and the supervision of their respective funding banks, production credit associations may sell interests in loans that are made under paragraph (a) of this section to:, (i) Banks of the Farm Credit System, as authorized by their respective funding banks; and, (ii) Any certified agricultural mortgage marketing facility, as defined by section 8.0(3) of the Act, for the purpose of pooling and securitizing such loans under title VIII of the Act., (2) Subject to the requirements of subpart H of this part, production credit associations, as authorized by their respective funding banks, may purchase interests in loans that comply with the requirements of paragraph (a) of this section and nonvoting stock from banks of the Farm Credit System., (3) Production credit associations, in their capacity as certified mortgage marketing facilities under title VIII of the Act, may purchase from Farm Credit System institutions and institutions that are not Farm Credit System institutions interests in loans (other than participation interests authorized by paragraph (c) of this section) for the purpose of pooling and securitizing such loans under title VIII of the Act.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4040"],"section_title":["\u00a7 614.4040 Production credit associations."]},"_input_hash":1084117535,"_task_hash":-2099292812,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813822,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Short- and intermediate-term loans. Production credit associations are authorized to make or guarantee short- and intermediate-term loans and provide other financial assistance for a term of:, (1) Not more than 7 years;, (2) More than 7 years, but not more than 10 years, as set forth in policies approved by the funding bank; or, (3) Not more than 15 years to producers and harvesters of aquatic products for major capital expenditures, including but not limited to the purchase of vessels, construction or purchase of shore facilities, and similar purposes directly related to the operations of producers or harvesters of aquatic products., (b) Loan participations. Subject to the requirements of subpart H of this part, a production credit association may enter into participation agreements with:, (1) Farm Credit banks and associations that are direct lenders and lenders that are not Farm Credit institutions on loans of the type it is authorized to make under title II of the Act;, (2) Farm Credit banks and associations that are direct lenders on loans it is not authorized to make, provided the borrower eligibility, membership, term, amount, loan security, and stock or participation certificate requirements of the originating institution are met; and, (3) The Federal Agricultural Mortgage Corporation to the extent provided in \u00a7 614.4055., (c) Other interests in loans. (1) Subject to the requirements of subpart H of this part and the supervision of their respective funding banks, production credit associations may sell interests in loans that are made under paragraph (a) of this section to:, (i) Banks of the Farm Credit System, as authorized by their respective funding banks; and, (ii) Any certified agricultural mortgage marketing facility, as defined by section 8.0(3) of the Act, for the purpose of pooling and securitizing such loans under title VIII of the Act., (2) Subject to the requirements of subpart H of this part, production credit associations, as authorized by their respective funding banks, may purchase interests in loans that comply with the requirements of paragraph (a) of this section and nonvoting stock from banks of the Farm Credit System., (3) Production credit associations, in their capacity as certified mortgage marketing facilities under title VIII of the Act, may purchase from Farm Credit System institutions and institutions that are not Farm Credit System institutions interests in loans (other than participation interests authorized by paragraph (c) of this section) for the purpose of pooling and securitizing such loans under title VIII of the Act.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4040"],"section_title":["\u00a7 614.4040 Production credit associations."]},"_input_hash":1084117535,"_task_hash":-822935846,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711821479,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) Short- and intermediate-term loans. Production credit associations are authorized to make or guarantee short- and intermediate-term loans and provide other financial assistance for a term of:, (1) Not more than 7 years;, (2) More than 7 years, but not more than 10 years, as set forth in policies approved by the funding bank; or, (3) Not more than 15 years to producers and harvesters of aquatic products for major capital expenditures, including but not limited to the purchase of vessels, construction or purchase of shore facilities, and similar purposes directly related to the operations of producers or harvesters of aquatic products., (b) Loan participations. Subject to the requirements of subpart H of this part, a production credit association may enter into participation agreements with:, (1) Farm Credit banks and associations that are direct lenders and lenders that are not Farm Credit institutions on loans of the type it is authorized to make under title II of the Act;, (2) Farm Credit banks and associations that are direct lenders on loans it is not authorized to make, provided the borrower eligibility, membership, term, amount, loan security, and stock or participation certificate requirements of the originating institution are met; and, (3) The Federal Agricultural Mortgage Corporation to the extent provided in \u00a7 614.4055., (c) Other interests in loans. (1) Subject to the requirements of subpart H of this part and the supervision of their respective funding banks, production credit associations may sell interests in loans that are made under paragraph (a) of this section to:, (i) Banks of the Farm Credit System, as authorized by their respective funding banks; and, (ii) Any certified agricultural mortgage marketing facility, as defined by section 8.0(3) of the Act, for the purpose of pooling and securitizing such loans under title VIII of the Act., (2) Subject to the requirements of subpart H of this part, production credit associations, as authorized by their respective funding banks, may purchase interests in loans that comply with the requirements of paragraph (a) of this section and nonvoting stock from banks of the Farm Credit System., (3) Production credit associations, in their capacity as certified mortgage marketing facilities under title VIII of the Act, may purchase from Farm Credit System institutions and institutions that are not Farm Credit System institutions interests in loans (other than participation interests authorized by paragraph (c) of this section) for the purpose of pooling and securitizing such loans under title VIII of the Act.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4040"],"section_title":["\u00a7 614.4040 Production credit associations."]},"_input_hash":1084117535,"_task_hash":1736832725,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829339,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Definitions. For purposes of this section, the following definitions shall apply:, Currently performing means the borrower in the mortgage transaction is not currently thirty (30) days or more past due, in whole or in part, on the mortgage transaction., Qualified residential mortgage means a \u201cqualified mortgage\u201d as defined in section 129C of the Truth in Lending Act (15 U.S.C.1639c) and regulations issued thereunder, as amended from time to time., (b) Exemption. A sponsor shall be exempt from the risk retention requirements in subpart B of this part with respect to any securitization transaction, if:, (1) All of the assets that collateralize the asset-backed securities are qualified residential mortgages or servicing assets;, (2) None of the assets that collateralize the asset-backed securities are asset-backed securities;, (3) As of the cut-off date or similar date for establishing the composition of the securitized assets collateralizing the asset-backed securities issued pursuant to the securitization transaction, each qualified residential mortgage collateralizing the asset-backed securities is currently performing; and, (4)(i) The depositor with respect to the securitization transaction certifies that it has evaluated the effectiveness of its internal supervisory controls with respect to the process for ensuring that all assets that collateralize the asset-backed security are qualified residential mortgages or servicing assets and has concluded that its internal supervisory controls are effective; and, (ii) The evaluation of the effectiveness of the depositor's internal supervisory controls must be performed, for each issuance of an asset-backed security in reliance on this section, as of a date within 60 days of the cut-off date or similar date for establishing the composition of the asset pool collateralizing such asset-backed security; and, (iii) The sponsor provides, or causes to be provided, a copy of the certification described in paragraph (b)(4)(i) of this section to potential investors a reasonable period of time prior to the sale of asset-backed securities in the issuing entity, and, upon request, to the Commission and its appropriate Federal banking agency, if any., (c) Repurchase of loans subsequently determined to be non-qualified after closing. A sponsor that has relied on the exemption provided in paragraph (b) of this section with respect to a securitization transaction shall not lose such exemption with respect to such transaction if, after closing of the securitization transaction, it is determined that one or more of the residential mortgage loans collateralizing the asset-backed securities does not meet all of the criteria to be a qualified residential mortgage provided that:, (1) The depositor complied with the certification requirement set forth in paragraph (b)(4) of this section;, (2) The sponsor repurchases the loan(s) from the issuing entity at a price at least equal to the remaining aggregate unpaid principal balance and accrued interest on the loan(s) no later than 90 days after the determination that the loans do not satisfy the requirements to be a qualified residential mortgage; and, (3) The sponsor promptly notifies, or causes to be notified, the holders of the asset-backed securities issued in the securitization transaction of any loan(s) included in such securitization transaction that is (or are) required to be repurchased by the sponsor pursuant to paragraph (c)(2) of this section, including the amount of such repurchased loan(s) and the cause for such repurchase.","meta":{"chapter":["II","III","XII"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)","CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)","CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A","B","B"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)","SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)","SUBCHAPTER B - ENTITY REGULATIONS"],"part":["244","373","1234"],"part_title":["PART 244 - CREDIT RISK RETENTION (REGULATION RR)","PART 373 - CREDIT RISK RETENTION","PART 1234 - CREDIT RISK RETENTION"],"section":["244.13","373.13","1234.13"],"section_title":["\u00a7 244.13 Exemption for qualified residential mortgages.","\u00a7 373.13 Exemption for qualified residential mortgages.","\u00a7 1234.13 Exemption for qualified residential mortgages."]},"_input_hash":-1644845011,"_task_hash":1844916245,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843977,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Definitions. For purposes of this section, the following definitions shall apply:, Currently performing means the borrower in the mortgage transaction is not currently thirty (30) days or more past due, in whole or in part, on the mortgage transaction., Qualified residential mortgage means a \u201cqualified mortgage\u201d as defined in section 129C of the Truth in Lending Act (15 U.S.C.1639c) and regulations issued thereunder, as amended from time to time., (b) Exemption. A sponsor shall be exempt from the risk retention requirements in subpart B of this part with respect to any securitization transaction, if:, (1) All of the assets that collateralize the asset-backed securities are qualified residential mortgages or servicing assets;, (2) None of the assets that collateralize the asset-backed securities are asset-backed securities;, (3) As of the cut-off date or similar date for establishing the composition of the securitized assets collateralizing the asset-backed securities issued pursuant to the securitization transaction, each qualified residential mortgage collateralizing the asset-backed securities is currently performing; and, (4)(i) The depositor with respect to the securitization transaction certifies that it has evaluated the effectiveness of its internal supervisory controls with respect to the process for ensuring that all assets that collateralize the asset-backed security are qualified residential mortgages or servicing assets and has concluded that its internal supervisory controls are effective; and, (ii) The evaluation of the effectiveness of the depositor's internal supervisory controls must be performed, for each issuance of an asset-backed security in reliance on this section, as of a date within 60 days of the cut-off date or similar date for establishing the composition of the asset pool collateralizing such asset-backed security; and, (iii) The sponsor provides, or causes to be provided, a copy of the certification described in paragraph (b)(4)(i) of this section to potential investors a reasonable period of time prior to the sale of asset-backed securities in the issuing entity, and, upon request, to the Commission and its appropriate Federal banking agency, if any., (c) Repurchase of loans subsequently determined to be non-qualified after closing. A sponsor that has relied on the exemption provided in paragraph (b) of this section with respect to a securitization transaction shall not lose such exemption with respect to such transaction if, after closing of the securitization transaction, it is determined that one or more of the residential mortgage loans collateralizing the asset-backed securities does not meet all of the criteria to be a qualified residential mortgage provided that:, (1) The depositor complied with the certification requirement set forth in paragraph (b)(4) of this section;, (2) The sponsor repurchases the loan(s) from the issuing entity at a price at least equal to the remaining aggregate unpaid principal balance and accrued interest on the loan(s) no later than 90 days after the determination that the loans do not satisfy the requirements to be a qualified residential mortgage; and, (3) The sponsor promptly notifies, or causes to be notified, the holders of the asset-backed securities issued in the securitization transaction of any loan(s) included in such securitization transaction that is (or are) required to be repurchased by the sponsor pursuant to paragraph (c)(2) of this section, including the amount of such repurchased loan(s) and the cause for such repurchase.","meta":{"chapter":["II","III","XII"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)","CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)","CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A","B","B"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)","SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)","SUBCHAPTER B - ENTITY REGULATIONS"],"part":["244","373","1234"],"part_title":["PART 244 - CREDIT RISK RETENTION (REGULATION RR)","PART 373 - CREDIT RISK RETENTION","PART 1234 - CREDIT RISK RETENTION"],"section":["244.13","373.13","1234.13"],"section_title":["\u00a7 244.13 Exemption for qualified residential mortgages.","\u00a7 373.13 Exemption for qualified residential mortgages.","\u00a7 1234.13 Exemption for qualified residential mortgages."]},"_input_hash":-1644845011,"_task_hash":1844916245,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813840,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Definitions. For purposes of this section, the following definitions shall apply:, Currently performing means the borrower in the mortgage transaction is not currently thirty (30) days or more past due, in whole or in part, on the mortgage transaction., Qualified residential mortgage means a \u201cqualified mortgage\u201d as defined in section 129C of the Truth in Lending Act (15 U.S.C.1639c) and regulations issued thereunder, as amended from time to time., (b) Exemption. A sponsor shall be exempt from the risk retention requirements in subpart B of this part with respect to any securitization transaction, if:, (1) All of the assets that collateralize the asset-backed securities are qualified residential mortgages or servicing assets;, (2) None of the assets that collateralize the asset-backed securities are asset-backed securities;, (3) As of the cut-off date or similar date for establishing the composition of the securitized assets collateralizing the asset-backed securities issued pursuant to the securitization transaction, each qualified residential mortgage collateralizing the asset-backed securities is currently performing; and, (4)(i) The depositor with respect to the securitization transaction certifies that it has evaluated the effectiveness of its internal supervisory controls with respect to the process for ensuring that all assets that collateralize the asset-backed security are qualified residential mortgages or servicing assets and has concluded that its internal supervisory controls are effective; and, (ii) The evaluation of the effectiveness of the depositor's internal supervisory controls must be performed, for each issuance of an asset-backed security in reliance on this section, as of a date within 60 days of the cut-off date or similar date for establishing the composition of the asset pool collateralizing such asset-backed security; and, (iii) The sponsor provides, or causes to be provided, a copy of the certification described in paragraph (b)(4)(i) of this section to potential investors a reasonable period of time prior to the sale of asset-backed securities in the issuing entity, and, upon request, to the Commission and its appropriate Federal banking agency, if any., (c) Repurchase of loans subsequently determined to be non-qualified after closing. A sponsor that has relied on the exemption provided in paragraph (b) of this section with respect to a securitization transaction shall not lose such exemption with respect to such transaction if, after closing of the securitization transaction, it is determined that one or more of the residential mortgage loans collateralizing the asset-backed securities does not meet all of the criteria to be a qualified residential mortgage provided that:, (1) The depositor complied with the certification requirement set forth in paragraph (b)(4) of this section;, (2) The sponsor repurchases the loan(s) from the issuing entity at a price at least equal to the remaining aggregate unpaid principal balance and accrued interest on the loan(s) no later than 90 days after the determination that the loans do not satisfy the requirements to be a qualified residential mortgage; and, (3) The sponsor promptly notifies, or causes to be notified, the holders of the asset-backed securities issued in the securitization transaction of any loan(s) included in such securitization transaction that is (or are) required to be repurchased by the sponsor pursuant to paragraph (c)(2) of this section, including the amount of such repurchased loan(s) and the cause for such repurchase.","meta":{"chapter":["II","III","XII"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)","CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)","CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A","B","B"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)","SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)","SUBCHAPTER B - ENTITY REGULATIONS"],"part":["244","373","1234"],"part_title":["PART 244 - CREDIT RISK RETENTION (REGULATION RR)","PART 373 - CREDIT RISK RETENTION","PART 1234 - CREDIT RISK RETENTION"],"section":["244.13","373.13","1234.13"],"section_title":["\u00a7 244.13 Exemption for qualified residential mortgages.","\u00a7 373.13 Exemption for qualified residential mortgages.","\u00a7 1234.13 Exemption for qualified residential mortgages."]},"_input_hash":-1644845011,"_task_hash":635091880,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829366,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Service. A subpoena may be served upon the person named therein by personal service or certified mail with a return receipt to the last known address of the person. Witnesses who are subpoenaed shall be paid the same fees and mileage that are paid witnesses in the district courts of the United States. The fees and mileage need not be tendered at the time a subpoena is served., (b) Motions to quash. Any person to whom a subpoena is directed may, prior to the time specified therein for compliance, but in no event more than 5 days after the date of service of such subpoena, apply to the FCA representative authorized in the order, or if unavailable to the Board, to quash or modify such subpoena, accompanying such application with a brief statement of the reasons therefor. The FCA representative, or the Board, may:, (1) Deny the application;, (2) Quash or revoke the subpoena;, (3) Modify the subpoena; or, (4) Condition the granting of the application on such terms as the FCA representative or the Board, determines in his, her, or its discretion, to be just, reasonable, and proper. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["622"],"part_title":["PART 622 - RULES OF PRACTICE AND PROCEDURE"],"section":["622.106"],"section_title":["\u00a7 622.106 Service of subpoena and payment of witness fees."]},"_input_hash":-1922025454,"_task_hash":1025105058,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843979,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\""],"versions":[{"text":"(a) Service. A subpoena may be served upon the person named therein by personal service or certified mail with a return receipt to the last known address of the person. Witnesses who are subpoenaed shall be paid the same fees and mileage that are paid witnesses in the district courts of the United States. The fees and mileage need not be tendered at the time a subpoena is served., (b) Motions to quash. Any person to whom a subpoena is directed may, prior to the time specified therein for compliance, but in no event more than 5 days after the date of service of such subpoena, apply to the FCA representative authorized in the order, or if unavailable to the Board, to quash or modify such subpoena, accompanying such application with a brief statement of the reasons therefor. The FCA representative, or the Board, may:, (1) Deny the application;, (2) Quash or revoke the subpoena;, (3) Modify the subpoena; or, (4) Condition the granting of the application on such terms as the FCA representative or the Board, determines in his, her, or its discretion, to be just, reasonable, and proper. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["622"],"part_title":["PART 622 - RULES OF PRACTICE AND PROCEDURE"],"section":["622.106"],"section_title":["\u00a7 622.106 Service of subpoena and payment of witness fees."]},"_input_hash":-1922025454,"_task_hash":-673892964,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813857,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"(a) Service. A subpoena may be served upon the person named therein by personal service or certified mail with a return receipt to the last known address of the person. Witnesses who are subpoenaed shall be paid the same fees and mileage that are paid witnesses in the district courts of the United States. The fees and mileage need not be tendered at the time a subpoena is served., (b) Motions to quash. Any person to whom a subpoena is directed may, prior to the time specified therein for compliance, but in no event more than 5 days after the date of service of such subpoena, apply to the FCA representative authorized in the order, or if unavailable to the Board, to quash or modify such subpoena, accompanying such application with a brief statement of the reasons therefor. The FCA representative, or the Board, may:, (1) Deny the application;, (2) Quash or revoke the subpoena;, (3) Modify the subpoena; or, (4) Condition the granting of the application on such terms as the FCA representative or the Board, determines in his, her, or its discretion, to be just, reasonable, and proper. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["622"],"part_title":["PART 622 - RULES OF PRACTICE AND PROCEDURE"],"section":["622.106"],"section_title":["\u00a7 622.106 Service of subpoena and payment of witness fees."]},"_input_hash":-1922025454,"_task_hash":1025105058,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711821529,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\""],"default":true},{"text":"(a) Service. A subpoena may be served upon the person named therein by personal service or certified mail with a return receipt to the last known address of the person. Witnesses who are subpoenaed shall be paid the same fees and mileage that are paid witnesses in the district courts of the United States. The fees and mileage need not be tendered at the time a subpoena is served., (b) Motions to quash. Any person to whom a subpoena is directed may, prior to the time specified therein for compliance, but in no event more than 5 days after the date of service of such subpoena, apply to the FCA representative authorized in the order, or if unavailable to the Board, to quash or modify such subpoena, accompanying such application with a brief statement of the reasons therefor. The FCA representative, or the Board, may:, (1) Deny the application;, (2) Quash or revoke the subpoena;, (3) Modify the subpoena; or, (4) Condition the granting of the application on such terms as the FCA representative or the Board, determines in his, her, or its discretion, to be just, reasonable, and proper. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["622"],"part_title":["PART 622 - RULES OF PRACTICE AND PROCEDURE"],"section":["622.106"],"section_title":["\u00a7 622.106 Service of subpoena and payment of witness fees."]},"_input_hash":-1922025454,"_task_hash":-1258399292,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711836963,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) General. A Bank may certify as a housing associate any applicant that meets the following requirements, as determined using the criteria set forth in \u00a7 1264.4: , (1) The applicant is approved under title II of the National Housing Act (12 U.S.C. 1707, et seq.); , (2) The applicant is a chartered institution having succession; , (3) The applicant is subject to the inspection and supervision of some governmental agency; , (4) The principal activity of the applicant in the mortgage field consists of lending its own funds; and , (5) The financial condition of the applicant is such that advances may be safely made to it. , (b) State housing finance agencies. In addition to meeting the requirements in paragraph (a) of this section, any applicant seeking access to advances as a SHFA pursuant to \u00a7 1266.17(b)(2) of this chapter shall provide evidence satisfactory to the Bank, such as a copy of, or a citation to, the statutes and/or regulations describing the applicant's structure and responsibilities, that the applicant is a state housing finance agency as defined in \u00a7 1264.1. ","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1264"],"part_title":["PART 1264 - FEDERAL HOME LOAN BANK HOUSING ASSOCIATES"],"section":["1264.3"],"section_title":["\u00a7 1264.3 Housing associate eligibility requirements."]},"_input_hash":37907808,"_task_hash":-174087915,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843980,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\""],"versions":[{"text":"(a) General. A Bank may certify as a housing associate any applicant that meets the following requirements, as determined using the criteria set forth in \u00a7 1264.4: , (1) The applicant is approved under title II of the National Housing Act (12 U.S.C. 1707, et seq.); , (2) The applicant is a chartered institution having succession; , (3) The applicant is subject to the inspection and supervision of some governmental agency; , (4) The principal activity of the applicant in the mortgage field consists of lending its own funds; and , (5) The financial condition of the applicant is such that advances may be safely made to it. , (b) State housing finance agencies. In addition to meeting the requirements in paragraph (a) of this section, any applicant seeking access to advances as a SHFA pursuant to \u00a7 1266.17(b)(2) of this chapter shall provide evidence satisfactory to the Bank, such as a copy of, or a citation to, the statutes and/or regulations describing the applicant's structure and responsibilities, that the applicant is a state housing finance agency as defined in \u00a7 1264.1. ","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1264"],"part_title":["PART 1264 - FEDERAL HOME LOAN BANK HOUSING ASSOCIATES"],"section":["1264.3"],"section_title":["\u00a7 1264.3 Housing associate eligibility requirements."]},"_input_hash":37907808,"_task_hash":948236534,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813873,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"(a) General. A Bank may certify as a housing associate any applicant that meets the following requirements, as determined using the criteria set forth in \u00a7 1264.4: , (1) The applicant is approved under title II of the National Housing Act (12 U.S.C. 1707, et seq.); , (2) The applicant is a chartered institution having succession; , (3) The applicant is subject to the inspection and supervision of some governmental agency; , (4) The principal activity of the applicant in the mortgage field consists of lending its own funds; and , (5) The financial condition of the applicant is such that advances may be safely made to it. , (b) State housing finance agencies. In addition to meeting the requirements in paragraph (a) of this section, any applicant seeking access to advances as a SHFA pursuant to \u00a7 1266.17(b)(2) of this chapter shall provide evidence satisfactory to the Bank, such as a copy of, or a citation to, the statutes and/or regulations describing the applicant's structure and responsibilities, that the applicant is a state housing finance agency as defined in \u00a7 1264.1. ","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1264"],"part_title":["PART 1264 - FEDERAL HOME LOAN BANK HOUSING ASSOCIATES"],"section":["1264.3"],"section_title":["\u00a7 1264.3 Housing associate eligibility requirements."]},"_input_hash":37907808,"_task_hash":-174087915,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711821658,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\""],"default":true},{"text":"(a) General. A Bank may certify as a housing associate any applicant that meets the following requirements, as determined using the criteria set forth in \u00a7 1264.4: , (1) The applicant is approved under title II of the National Housing Act (12 U.S.C. 1707, et seq.); , (2) The applicant is a chartered institution having succession; , (3) The applicant is subject to the inspection and supervision of some governmental agency; , (4) The principal activity of the applicant in the mortgage field consists of lending its own funds; and , (5) The financial condition of the applicant is such that advances may be safely made to it. , (b) State housing finance agencies. In addition to meeting the requirements in paragraph (a) of this section, any applicant seeking access to advances as a SHFA pursuant to \u00a7 1266.17(b)(2) of this chapter shall provide evidence satisfactory to the Bank, such as a copy of, or a citation to, the statutes and/or regulations describing the applicant's structure and responsibilities, that the applicant is a state housing finance agency as defined in \u00a7 1264.1. ","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1264"],"part_title":["PART 1264 - FEDERAL HOME LOAN BANK HOUSING ASSOCIATES"],"section":["1264.3"],"section_title":["\u00a7 1264.3 Housing associate eligibility requirements."]},"_input_hash":37907808,"_task_hash":2064871678,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711837010,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Effective date of determination of capital category. An FDIC-supervised institution shall be deemed to be within a given capital category for purposes of section 38 of the FDI Act and this subpart H as of the date the FDIC-supervised institution is notified of, or is deemed to have notice of, its capital category, pursuant to paragraph (b) of this section., (b) Notice of capital category. An FDIC-supervised institution shall be deemed to have been notified of its capital levels and its capital category as of the most recent date:, (1) A Call Report is required to be filed with the FDIC;, (2) A final report of examination is delivered to the FDIC-supervised institution; or, (3) Written notice is provided by the FDIC to the FDIC-supervised institution of its capital category for purposes of section 38 of the FDI Act and this subpart or that the FDIC-supervised institution's capital category has changed as provided in \u00a7 324.403(d)., (c) Adjustments to reported capital levels and capital category - (1) Notice of adjustment by bank or state savings association. An FDIC-supervised institution shall provide the appropriate FDIC regional director with written notice that an adjustment to the FDIC-supervised institution's capital category may have occurred no later than 15 calendar days following the date that any material event has occurred that would cause the FDIC-supervised institution to be placed in a lower capital category from the category assigned to the FDIC-supervised institution for purposes of section 38 of the FDI Act and this subpart H on the basis of the FDIC-supervised institution's most recent Call Report or report of examination., (2) Determination by the FDIC to change capital category. After receiving notice pursuant to paragraph (c)(1) of this section, the FDIC shall determine whether to change the capital category of the FDIC-supervised institution and shall notify the bank or state savings association of the FDIC's determination.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["324"],"part_title":["PART 324 - CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS"],"section":["324.402"],"section_title":["\u00a7 324.402 Notice of capital category."]},"_input_hash":-873900256,"_task_hash":-1290531796,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843981,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Effective date of determination of capital category. An FDIC-supervised institution shall be deemed to be within a given capital category for purposes of section 38 of the FDI Act and this subpart H as of the date the FDIC-supervised institution is notified of, or is deemed to have notice of, its capital category, pursuant to paragraph (b) of this section., (b) Notice of capital category. An FDIC-supervised institution shall be deemed to have been notified of its capital levels and its capital category as of the most recent date:, (1) A Call Report is required to be filed with the FDIC;, (2) A final report of examination is delivered to the FDIC-supervised institution; or, (3) Written notice is provided by the FDIC to the FDIC-supervised institution of its capital category for purposes of section 38 of the FDI Act and this subpart or that the FDIC-supervised institution's capital category has changed as provided in \u00a7 324.403(d)., (c) Adjustments to reported capital levels and capital category - (1) Notice of adjustment by bank or state savings association. An FDIC-supervised institution shall provide the appropriate FDIC regional director with written notice that an adjustment to the FDIC-supervised institution's capital category may have occurred no later than 15 calendar days following the date that any material event has occurred that would cause the FDIC-supervised institution to be placed in a lower capital category from the category assigned to the FDIC-supervised institution for purposes of section 38 of the FDI Act and this subpart H on the basis of the FDIC-supervised institution's most recent Call Report or report of examination., (2) Determination by the FDIC to change capital category. After receiving notice pursuant to paragraph (c)(1) of this section, the FDIC shall determine whether to change the capital category of the FDIC-supervised institution and shall notify the bank or state savings association of the FDIC's determination.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["324"],"part_title":["PART 324 - CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS"],"section":["324.402"],"section_title":["\u00a7 324.402 Notice of capital category."]},"_input_hash":-873900256,"_task_hash":-1290531796,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813887,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Effective date of determination of capital category. An FDIC-supervised institution shall be deemed to be within a given capital category for purposes of section 38 of the FDI Act and this subpart H as of the date the FDIC-supervised institution is notified of, or is deemed to have notice of, its capital category, pursuant to paragraph (b) of this section., (b) Notice of capital category. An FDIC-supervised institution shall be deemed to have been notified of its capital levels and its capital category as of the most recent date:, (1) A Call Report is required to be filed with the FDIC;, (2) A final report of examination is delivered to the FDIC-supervised institution; or, (3) Written notice is provided by the FDIC to the FDIC-supervised institution of its capital category for purposes of section 38 of the FDI Act and this subpart or that the FDIC-supervised institution's capital category has changed as provided in \u00a7 324.403(d)., (c) Adjustments to reported capital levels and capital category - (1) Notice of adjustment by bank or state savings association. An FDIC-supervised institution shall provide the appropriate FDIC regional director with written notice that an adjustment to the FDIC-supervised institution's capital category may have occurred no later than 15 calendar days following the date that any material event has occurred that would cause the FDIC-supervised institution to be placed in a lower capital category from the category assigned to the FDIC-supervised institution for purposes of section 38 of the FDI Act and this subpart H on the basis of the FDIC-supervised institution's most recent Call Report or report of examination., (2) Determination by the FDIC to change capital category. After receiving notice pursuant to paragraph (c)(1) of this section, the FDIC shall determine whether to change the capital category of the FDIC-supervised institution and shall notify the bank or state savings association of the FDIC's determination.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["324"],"part_title":["PART 324 - CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS"],"section":["324.402"],"section_title":["\u00a7 324.402 Notice of capital category."]},"_input_hash":-873900256,"_task_hash":829403825,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711821663,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false}],"view_id":"choice"}
+{"text":"The Corporation as receiver shall distribute the value realized from the liquidation, transfer, sale or other disposition of the direct or indirect subsidiaries of an insurance company, that are not themselves insurance companies, solely in accordance with the order of priorities set forth in 12 U.S.C. 5390(b)(1) and the regulations promulgated thereunder.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["380"],"part_title":["PART 380 - ORDERLY LIQUIDATION AUTHORITY"],"section":["380.5"],"section_title":["\u00a7 380.5 Treatment of covered financial companies that are subsidiaries of insurance companies."]},"_input_hash":347088818,"_task_hash":-1465054539,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711843983,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"The Corporation as receiver shall distribute the value realized from the liquidation, transfer, sale or other disposition of the direct or indirect subsidiaries of an insurance company, that are not themselves insurance companies, solely in accordance with the order of priorities set forth in 12 U.S.C. 5390(b)(1) and the regulations promulgated thereunder.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["380"],"part_title":["PART 380 - ORDERLY LIQUIDATION AUTHORITY"],"section":["380.5"],"section_title":["\u00a7 380.5 Treatment of covered financial companies that are subsidiaries of insurance companies."]},"_input_hash":347088818,"_task_hash":-1465054539,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813937,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"The Corporation as receiver shall distribute the value realized from the liquidation, transfer, sale or other disposition of the direct or indirect subsidiaries of an insurance company, that are not themselves insurance companies, solely in accordance with the order of priorities set forth in 12 U.S.C. 5390(b)(1) and the regulations promulgated thereunder.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["380"],"part_title":["PART 380 - ORDERLY LIQUIDATION AUTHORITY"],"section":["380.5"],"section_title":["\u00a7 380.5 Treatment of covered financial companies that are subsidiaries of insurance companies."]},"_input_hash":347088818,"_task_hash":-604662141,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711837047,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Conflict of interest in representation. No person shall appear as counsel for another person in an adjudicatory proceeding if it reasonably appears that such representation may be materially limited by that counsel's responsibilities to a third person or by the counsel's own interests. The administrative law judge may take corrective measures at any stage of a proceeding to cure a conflict of interest in representation, including the issuance of an order limiting the scope of representation or disqualifying an individual from appearing in a representative capacity for the duration of the proceeding. , (b) Certification and waiver. If any person appearing as counsel represents two or more parties to an adjudicatory proceeding or also represents a non-party on a matter relevant to an issue in the proceeding, counsel must certify in writing at the time of filing the notice of appearance required by \u00a7 308.6(a):, (1) That the counsel has personally and fully discussed the possibility of conflicts of interest with each such party and non-party; and, (2) That each such party and non-party waives any right it might otherwise have had to assert any known conflicts of interest or to assert any non-material conflicts of interest during the course of the proceeding.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.8"],"section_title":["\u00a7 308.8 Conflicts of interest."]},"_input_hash":210993546,"_task_hash":-1723125742,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844014,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\""],"versions":[{"text":"(a) Conflict of interest in representation. No person shall appear as counsel for another person in an adjudicatory proceeding if it reasonably appears that such representation may be materially limited by that counsel's responsibilities to a third person or by the counsel's own interests. The administrative law judge may take corrective measures at any stage of a proceeding to cure a conflict of interest in representation, including the issuance of an order limiting the scope of representation or disqualifying an individual from appearing in a representative capacity for the duration of the proceeding. , (b) Certification and waiver. If any person appearing as counsel represents two or more parties to an adjudicatory proceeding or also represents a non-party on a matter relevant to an issue in the proceeding, counsel must certify in writing at the time of filing the notice of appearance required by \u00a7 308.6(a):, (1) That the counsel has personally and fully discussed the possibility of conflicts of interest with each such party and non-party; and, (2) That each such party and non-party waives any right it might otherwise have had to assert any known conflicts of interest or to assert any non-material conflicts of interest during the course of the proceeding.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.8"],"section_title":["\u00a7 308.8 Conflicts of interest."]},"_input_hash":210993546,"_task_hash":-1723125742,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813953,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":true},{"text":"(a) Conflict of interest in representation. No person shall appear as counsel for another person in an adjudicatory proceeding if it reasonably appears that such representation may be materially limited by that counsel's responsibilities to a third person or by the counsel's own interests. The administrative law judge may take corrective measures at any stage of a proceeding to cure a conflict of interest in representation, including the issuance of an order limiting the scope of representation or disqualifying an individual from appearing in a representative capacity for the duration of the proceeding. , (b) Certification and waiver. If any person appearing as counsel represents two or more parties to an adjudicatory proceeding or also represents a non-party on a matter relevant to an issue in the proceeding, counsel must certify in writing at the time of filing the notice of appearance required by \u00a7 308.6(a):, (1) That the counsel has personally and fully discussed the possibility of conflicts of interest with each such party and non-party; and, (2) That each such party and non-party waives any right it might otherwise have had to assert any known conflicts of interest or to assert any non-material conflicts of interest during the course of the proceeding.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.8"],"section_title":["\u00a7 308.8 Conflicts of interest."]},"_input_hash":210993546,"_task_hash":1641201005,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711821764,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) Conflict of interest in representation. No person shall appear as counsel for another person in an adjudicatory proceeding if it reasonably appears that such representation may be materially limited by that counsel's responsibilities to a third person or by the counsel's own interests. The administrative law judge may take corrective measures at any stage of a proceeding to cure a conflict of interest in representation, including the issuance of an order limiting the scope of representation or disqualifying an individual from appearing in a representative capacity for the duration of the proceeding. , (b) Certification and waiver. If any person appearing as counsel represents two or more parties to an adjudicatory proceeding or also represents a non-party on a matter relevant to an issue in the proceeding, counsel must certify in writing at the time of filing the notice of appearance required by \u00a7 308.6(a):, (1) That the counsel has personally and fully discussed the possibility of conflicts of interest with each such party and non-party; and, (2) That each such party and non-party waives any right it might otherwise have had to assert any known conflicts of interest or to assert any non-material conflicts of interest during the course of the proceeding.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.8"],"section_title":["\u00a7 308.8 Conflicts of interest."]},"_input_hash":210993546,"_task_hash":-1272475421,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829609,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false},{"text":"(a) Conflict of interest in representation. No person shall appear as counsel for another person in an adjudicatory proceeding if it reasonably appears that such representation may be materially limited by that counsel's responsibilities to a third person or by the counsel's own interests. The administrative law judge may take corrective measures at any stage of a proceeding to cure a conflict of interest in representation, including the issuance of an order limiting the scope of representation or disqualifying an individual from appearing in a representative capacity for the duration of the proceeding. , (b) Certification and waiver. If any person appearing as counsel represents two or more parties to an adjudicatory proceeding or also represents a non-party on a matter relevant to an issue in the proceeding, counsel must certify in writing at the time of filing the notice of appearance required by \u00a7 308.6(a):, (1) That the counsel has personally and fully discussed the possibility of conflicts of interest with each such party and non-party; and, (2) That each such party and non-party waives any right it might otherwise have had to assert any known conflicts of interest or to assert any non-material conflicts of interest during the course of the proceeding.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.8"],"section_title":["\u00a7 308.8 Conflicts of interest."]},"_input_hash":210993546,"_task_hash":2012615106,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711837079,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) In general. A creditor does not obtain medical information in violation of the prohibition if it receives medical information pertaining to a consumer in connection with any determination of the consumer's eligibility, or continued eligibility, for credit without specifically requesting medical information., (b) Use of unsolicited medical information. A creditor that receives unsolicited medical information in the manner described in paragraph (a) of this section may use that information in connection with any determination of the consumer's eligibility, or continued eligibility, for credit to the extent the creditor can rely on at least one of the exceptions in \u00a7 232.3 or \u00a7 232.4., (c) Examples. A creditor does not obtain medical information in violation of the prohibition if, for example:, (1) In response to a general question regarding a consumer's debts or expenses, the creditor receives information that the consumer owes a debt to a hospital., (2) In a conversation with the creditor's loan officer, the consumer informs the creditor that the consumer has a particular medical condition., (3) In connection with a consumer's application for an extension of credit, the creditor requests a consumer report from a consumer reporting agency and receives medical information in the consumer report furnished by the agency even though the creditor did not specifically request medical information from the consumer reporting agency.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["232"],"part_title":["PART 232 - OBTAINING AND USING MEDICAL INFORMATION IN CONNECTION WITH CREDIT (REGULATION FF)"],"section":["232.2"],"section_title":["\u00a7 232.2 Rule of construction for obtaining and using unsolicited medical information."]},"_input_hash":2088235449,"_task_hash":138818008,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844015,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) In general. A creditor does not obtain medical information in violation of the prohibition if it receives medical information pertaining to a consumer in connection with any determination of the consumer's eligibility, or continued eligibility, for credit without specifically requesting medical information., (b) Use of unsolicited medical information. A creditor that receives unsolicited medical information in the manner described in paragraph (a) of this section may use that information in connection with any determination of the consumer's eligibility, or continued eligibility, for credit to the extent the creditor can rely on at least one of the exceptions in \u00a7 232.3 or \u00a7 232.4., (c) Examples. A creditor does not obtain medical information in violation of the prohibition if, for example:, (1) In response to a general question regarding a consumer's debts or expenses, the creditor receives information that the consumer owes a debt to a hospital., (2) In a conversation with the creditor's loan officer, the consumer informs the creditor that the consumer has a particular medical condition., (3) In connection with a consumer's application for an extension of credit, the creditor requests a consumer report from a consumer reporting agency and receives medical information in the consumer report furnished by the agency even though the creditor did not specifically request medical information from the consumer reporting agency.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["232"],"part_title":["PART 232 - OBTAINING AND USING MEDICAL INFORMATION IN CONNECTION WITH CREDIT (REGULATION FF)"],"section":["232.2"],"section_title":["\u00a7 232.2 Rule of construction for obtaining and using unsolicited medical information."]},"_input_hash":2088235449,"_task_hash":138818008,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813967,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) In general. A creditor does not obtain medical information in violation of the prohibition if it receives medical information pertaining to a consumer in connection with any determination of the consumer's eligibility, or continued eligibility, for credit without specifically requesting medical information., (b) Use of unsolicited medical information. A creditor that receives unsolicited medical information in the manner described in paragraph (a) of this section may use that information in connection with any determination of the consumer's eligibility, or continued eligibility, for credit to the extent the creditor can rely on at least one of the exceptions in \u00a7 232.3 or \u00a7 232.4., (c) Examples. A creditor does not obtain medical information in violation of the prohibition if, for example:, (1) In response to a general question regarding a consumer's debts or expenses, the creditor receives information that the consumer owes a debt to a hospital., (2) In a conversation with the creditor's loan officer, the consumer informs the creditor that the consumer has a particular medical condition., (3) In connection with a consumer's application for an extension of credit, the creditor requests a consumer report from a consumer reporting agency and receives medical information in the consumer report furnished by the agency even though the creditor did not specifically request medical information from the consumer reporting agency.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["232"],"part_title":["PART 232 - OBTAINING AND USING MEDICAL INFORMATION IN CONNECTION WITH CREDIT (REGULATION FF)"],"section":["232.2"],"section_title":["\u00a7 232.2 Rule of construction for obtaining and using unsolicited medical information."]},"_input_hash":2088235449,"_task_hash":1711712790,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711837107,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"In this subpart, unless the context otherwise requires or indicates: , (a) Adverse claim means a claim that a claimant has a property interest in a security and that it is a violation of the rights of the claimant for another person to hold, transfer, or deal with the security. , (b) Book-entry security means a Farm Credit security issued or maintained in the Book-entry System. , (c) Book-entry System means the automated book-entry system operated by the Federal Reserve Banks, acting as the fiscal agent for the Farm Credit banks, through which book-entry securities are issued, recorded, transferred and maintained in book-entry form. , (d) Definitive Farm Credit security means a Farm Credit security in engraved or printed form, or that is otherwise represented by a certificate. , (e) Eligible book-entry security means a book-entry security issued or maintained in the Book-entry System, which by the terms of its securities documentation, is eligible to be converted from book-entry into definitive form. , (f) Entitlement Holder means a person to whose account an interest in a book-entry security is credited on the records of a securities intermediary. , (g) Farm Credit banks means one or more Farm Credit Banks, agricultural credit banks, and banks for cooperatives. , (h) Farm Credit securities means consolidated notes, bonds, debentures, or other similar obligations of the Farm Credit banks and Systemwide notes, bonds, debentures, or similar obligations of the Farm Credit banks issued under sections 4.2(c) and 4.2(d), respectively, of the Act, or laws repealed thereby. , (i) Federal Reserve Bank means a Federal Reserve Bank or Branch acting as agent for the Farm Credit banks and the Funding Corporation. , (j) Federal Reserve Bank Operating Circular means the publication issued by each Federal Reserve Bank that sets forth the terms and conditions under which the Federal Reserve Bank maintains book-entry securities accounts and transfers book-entry securities. , (k) Funding Corporation means the Federal Farm Credit Banks Funding Corporation established pursuant to section 4.9 of the Act, which issues Farm Credit securities on behalf of the Farm Credit banks. , (l) Funds Account means a reserve and/or clearing account at a Federal Reserve Bank to which debits or credits are posted for transfers against payment, book-entry securities transaction fees, or principal and interest payments. , (m) Participant means a person that maintains a participant's securities account with a Federal Reserve Bank. , (n) Participant's Securities Account means an account in the name of a participant at a Federal Reserve Bank to which book-entry securities held for a participant are or may be credited. , (o) Person means an individual, corporation, company, governmental entity, association, firm, partnership, trust, estate, representative and any other similar organization, but does not mean the United States, a Farm Credit bank, the Funding Corporation or a Federal Reserve Bank. , (p) Revised Article 8 means Uniform Commercial Code, Revised Article 8, Investment Securities (with Conforming and Miscellaneous Amendments to Articles 1, 3, 4, 5, 9, and 10) 1994 Official Text, and has the same meaning as in 31 CFR 357.2. , (q) Securities Documentation means the applicable statement of terms, trust indenture, securities agreement, offering circular or other documents establishing the terms of a book-entry security. , (r) Securities Intermediary means: , (1) A person that is registered as a \u201cclearing agency\u201d under the Federal securities laws; a Federal Reserve Bank; any other person that provides clearance or settlement services with respect to a book-entry security that would require it to register as a clearing agency under the Federal securities laws but for an exclusion or exemption from the registration requirement, if its activities as a clearing corporation, including promulgation of rules, are subject to regulation by a Federal or State governmental authority; or , (2) A person (other than an individual, unless such individual is registered as a broker or dealer under the Federal securities laws) including a bank or broker, that in the ordinary course of its business maintains securities accounts for others and is acting in that capacity. , (s) Security means a Farm Credit security as defined in paragraph (h) of this section. , (t) Security Entitlement means the rights and property interest of an entitlement holder with respect to a book-entry security. , (u) State means any State of the United States, the District of Columbia, Puerto Rico, the Virgin Islands, or any other territory or possession of the United States. , (v) Transfer Message means an instruction of a participant to a Federal Reserve Bank to effect a transfer of a book-entry security maintained in the Book-entry System, as set forth in Federal Reserve Bank Operating Circulars. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["615"],"part_title":["PART 615 - FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS"],"section":["615.5450"],"section_title":["\u00a7 615.5450 Definitions."]},"_input_hash":-732094482,"_task_hash":1369561316,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844018,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"tyler\""],"versions":[{"text":"In this subpart, unless the context otherwise requires or indicates: , (a) Adverse claim means a claim that a claimant has a property interest in a security and that it is a violation of the rights of the claimant for another person to hold, transfer, or deal with the security. , (b) Book-entry security means a Farm Credit security issued or maintained in the Book-entry System. , (c) Book-entry System means the automated book-entry system operated by the Federal Reserve Banks, acting as the fiscal agent for the Farm Credit banks, through which book-entry securities are issued, recorded, transferred and maintained in book-entry form. , (d) Definitive Farm Credit security means a Farm Credit security in engraved or printed form, or that is otherwise represented by a certificate. , (e) Eligible book-entry security means a book-entry security issued or maintained in the Book-entry System, which by the terms of its securities documentation, is eligible to be converted from book-entry into definitive form. , (f) Entitlement Holder means a person to whose account an interest in a book-entry security is credited on the records of a securities intermediary. , (g) Farm Credit banks means one or more Farm Credit Banks, agricultural credit banks, and banks for cooperatives. , (h) Farm Credit securities means consolidated notes, bonds, debentures, or other similar obligations of the Farm Credit banks and Systemwide notes, bonds, debentures, or similar obligations of the Farm Credit banks issued under sections 4.2(c) and 4.2(d), respectively, of the Act, or laws repealed thereby. , (i) Federal Reserve Bank means a Federal Reserve Bank or Branch acting as agent for the Farm Credit banks and the Funding Corporation. , (j) Federal Reserve Bank Operating Circular means the publication issued by each Federal Reserve Bank that sets forth the terms and conditions under which the Federal Reserve Bank maintains book-entry securities accounts and transfers book-entry securities. , (k) Funding Corporation means the Federal Farm Credit Banks Funding Corporation established pursuant to section 4.9 of the Act, which issues Farm Credit securities on behalf of the Farm Credit banks. , (l) Funds Account means a reserve and/or clearing account at a Federal Reserve Bank to which debits or credits are posted for transfers against payment, book-entry securities transaction fees, or principal and interest payments. , (m) Participant means a person that maintains a participant's securities account with a Federal Reserve Bank. , (n) Participant's Securities Account means an account in the name of a participant at a Federal Reserve Bank to which book-entry securities held for a participant are or may be credited. , (o) Person means an individual, corporation, company, governmental entity, association, firm, partnership, trust, estate, representative and any other similar organization, but does not mean the United States, a Farm Credit bank, the Funding Corporation or a Federal Reserve Bank. , (p) Revised Article 8 means Uniform Commercial Code, Revised Article 8, Investment Securities (with Conforming and Miscellaneous Amendments to Articles 1, 3, 4, 5, 9, and 10) 1994 Official Text, and has the same meaning as in 31 CFR 357.2. , (q) Securities Documentation means the applicable statement of terms, trust indenture, securities agreement, offering circular or other documents establishing the terms of a book-entry security. , (r) Securities Intermediary means: , (1) A person that is registered as a \u201cclearing agency\u201d under the Federal securities laws; a Federal Reserve Bank; any other person that provides clearance or settlement services with respect to a book-entry security that would require it to register as a clearing agency under the Federal securities laws but for an exclusion or exemption from the registration requirement, if its activities as a clearing corporation, including promulgation of rules, are subject to regulation by a Federal or State governmental authority; or , (2) A person (other than an individual, unless such individual is registered as a broker or dealer under the Federal securities laws) including a bank or broker, that in the ordinary course of its business maintains securities accounts for others and is acting in that capacity. , (s) Security means a Farm Credit security as defined in paragraph (h) of this section. , (t) Security Entitlement means the rights and property interest of an entitlement holder with respect to a book-entry security. , (u) State means any State of the United States, the District of Columbia, Puerto Rico, the Virgin Islands, or any other territory or possession of the United States. , (v) Transfer Message means an instruction of a participant to a Federal Reserve Bank to effect a transfer of a book-entry security maintained in the Book-entry System, as set forth in Federal Reserve Bank Operating Circulars. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["615"],"part_title":["PART 615 - FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS"],"section":["615.5450"],"section_title":["\u00a7 615.5450 Definitions."]},"_input_hash":-732094482,"_task_hash":-1273596677,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711813993,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"In this subpart, unless the context otherwise requires or indicates: , (a) Adverse claim means a claim that a claimant has a property interest in a security and that it is a violation of the rights of the claimant for another person to hold, transfer, or deal with the security. , (b) Book-entry security means a Farm Credit security issued or maintained in the Book-entry System. , (c) Book-entry System means the automated book-entry system operated by the Federal Reserve Banks, acting as the fiscal agent for the Farm Credit banks, through which book-entry securities are issued, recorded, transferred and maintained in book-entry form. , (d) Definitive Farm Credit security means a Farm Credit security in engraved or printed form, or that is otherwise represented by a certificate. , (e) Eligible book-entry security means a book-entry security issued or maintained in the Book-entry System, which by the terms of its securities documentation, is eligible to be converted from book-entry into definitive form. , (f) Entitlement Holder means a person to whose account an interest in a book-entry security is credited on the records of a securities intermediary. , (g) Farm Credit banks means one or more Farm Credit Banks, agricultural credit banks, and banks for cooperatives. , (h) Farm Credit securities means consolidated notes, bonds, debentures, or other similar obligations of the Farm Credit banks and Systemwide notes, bonds, debentures, or similar obligations of the Farm Credit banks issued under sections 4.2(c) and 4.2(d), respectively, of the Act, or laws repealed thereby. , (i) Federal Reserve Bank means a Federal Reserve Bank or Branch acting as agent for the Farm Credit banks and the Funding Corporation. , (j) Federal Reserve Bank Operating Circular means the publication issued by each Federal Reserve Bank that sets forth the terms and conditions under which the Federal Reserve Bank maintains book-entry securities accounts and transfers book-entry securities. , (k) Funding Corporation means the Federal Farm Credit Banks Funding Corporation established pursuant to section 4.9 of the Act, which issues Farm Credit securities on behalf of the Farm Credit banks. , (l) Funds Account means a reserve and/or clearing account at a Federal Reserve Bank to which debits or credits are posted for transfers against payment, book-entry securities transaction fees, or principal and interest payments. , (m) Participant means a person that maintains a participant's securities account with a Federal Reserve Bank. , (n) Participant's Securities Account means an account in the name of a participant at a Federal Reserve Bank to which book-entry securities held for a participant are or may be credited. , (o) Person means an individual, corporation, company, governmental entity, association, firm, partnership, trust, estate, representative and any other similar organization, but does not mean the United States, a Farm Credit bank, the Funding Corporation or a Federal Reserve Bank. , (p) Revised Article 8 means Uniform Commercial Code, Revised Article 8, Investment Securities (with Conforming and Miscellaneous Amendments to Articles 1, 3, 4, 5, 9, and 10) 1994 Official Text, and has the same meaning as in 31 CFR 357.2. , (q) Securities Documentation means the applicable statement of terms, trust indenture, securities agreement, offering circular or other documents establishing the terms of a book-entry security. , (r) Securities Intermediary means: , (1) A person that is registered as a \u201cclearing agency\u201d under the Federal securities laws; a Federal Reserve Bank; any other person that provides clearance or settlement services with respect to a book-entry security that would require it to register as a clearing agency under the Federal securities laws but for an exclusion or exemption from the registration requirement, if its activities as a clearing corporation, including promulgation of rules, are subject to regulation by a Federal or State governmental authority; or , (2) A person (other than an individual, unless such individual is registered as a broker or dealer under the Federal securities laws) including a bank or broker, that in the ordinary course of its business maintains securities accounts for others and is acting in that capacity. , (s) Security means a Farm Credit security as defined in paragraph (h) of this section. , (t) Security Entitlement means the rights and property interest of an entitlement holder with respect to a book-entry security. , (u) State means any State of the United States, the District of Columbia, Puerto Rico, the Virgin Islands, or any other territory or possession of the United States. , (v) Transfer Message means an instruction of a participant to a Federal Reserve Bank to effect a transfer of a book-entry security maintained in the Book-entry System, as set forth in Federal Reserve Bank Operating Circulars. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["615"],"part_title":["PART 615 - FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS"],"section":["615.5450"],"section_title":["\u00a7 615.5450 Definitions."]},"_input_hash":-732094482,"_task_hash":1369561316,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711821903,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) Circumstances giving rise to a claim. A consumer may make a claim under this section for a recredit with respect to a substitute check if the consumer asserts in good faith that - , (1) The bank holding the consumer's account charged that account for a substitute check that was provided to the consumer (although the consumer need not be in possession of that substitute check at the time he or she submits a claim);, (2) The substitute check was not properly charged to the consumer account or the consumer has a warranty claim with respect to the substitute check;, (3) The consumer suffered a resulting loss; and, (4) Production of the original check or a sufficient copy is necessary to determine whether or not the substitute check in fact was improperly charged or whether the consumer's warranty claim is valid., (b) Procedures for making claims. A consumer shall make his or her claim for a recredit under this section with the bank that holds the consumer's account in accordance with the timing, content, and form requirements of this section., (1) Timing of claim. (i) The consumer shall submit his or her claim such that the bank receives the claim by the end of the 40th calendar day after the later of the calendar day on which the bank mailed or delivered, by a means agreed to by the consumer - , (A) The periodic account statement that contains information concerning the transaction giving rise to the claim; or, (B) The substitute check giving rise to the claim., (ii) If the consumer cannot submit his or her claim by the time specified in paragraph (b)(1)(i) of this section because of extenuating circumstances, the bank shall extend the 40-calendar-day period by an additional reasonable amount of time., (iii) If a consumer makes a claim orally and the bank requires the claim to be in writing, the consumer's claim is timely if the oral claim was received within the time described in paragraphs (b)(1)(i)-(ii) of this section and the written claim was received within the time described in paragraph (b)(3)(ii) of this section., (2) Content of claim. (i) The consumer's claim shall include the following information:, (A) A description of the consumer's claim, including the reason why the consumer believes his or her account was improperly charged for the substitute check or the nature of his or her warranty claim with respect to such check;, (B) A statement that the consumer suffered a loss and an estimate of the amount of that loss;, (C) The reason why production of the original check or a sufficient copy is necessary to determine whether or not the charge to the consumer's account was proper or the consumer's warranty claim is valid; and, (D) Sufficient information to allow the bank to identify the substitute check and investigate the claim., (ii) If a consumer attempts to make a claim but fails to provide all the information in paragraph (b)(2)(i) of this section that is required to constitute a claim, the bank shall inform the consumer that the claim is not complete and identify the information that is missing., (3) Form and submission of claim; computation of time for bank action. The bank holding the account that is the subject of the consumer's claim may, in its discretion, require the consumer to submit the information required by this section in writing. A bank that requires a written submission - , (i) May permit the consumer to submit the written claim electronically;, (ii) Shall inform a consumer who submits a claim orally of the written claim requirement at the time of the oral claim and may require such consumer to submit the written claim such that the bank receives the written claim by the 10th business day after the banking day on which the bank received the oral claim; and, (iii) Shall compute the time periods for acting on the consumer's claim described in paragraph (c) of this section from the date on which the bank received the written claim., (c) Action on claims. A bank that receives a claim that meets the requirements of paragraph (b) of this section shall act as follows:, (1) Valid consumer claim. If the bank determines that the consumer's claim is valid, the bank shall - , (i) Recredit the consumer's account for the amount of the consumer's loss, up to the amount of the substitute check, plus interest if the account is an interest-bearing account, no later than the end of the business day after the banking day on which the bank makes that determination; and, (ii) Send to the consumer the notice required by paragraph (e)(1) of this section., (2) Invalid consumer claim. If a bank determines that the consumer's claim is not valid, the bank shall send to the consumer the notice described in paragraph (e)(2) of this section., (3) Recredit pending investigation. If the bank has not taken an action described in paragraph (c)(1) or (c)(2) of this section before the end of the 10th business day after the banking day on which the bank received the claim, the bank shall - , (i) By the end of that business day - , (A) Recredit the consumer's account for the amount of the consumer's loss, up to the lesser of the amount of the substitute check or $2,500, plus interest on that amount if the account is an interest-bearing account; and, (B) Send to the consumer the notice required by paragraph (e)(1) of this section; and, (ii) Recredit the consumer's account for the remaining amount of the consumer's loss, if any, up to the amount of the substitute check, plus interest if the account is an interest-bearing account, no later than the end of the 45th calendar day after the banking day on which the bank received the claim and send to the consumer the notice required by paragraph (e)(1) of this section, unless the bank prior to that time has determined that the consumer's claim is or is not valid in accordance with paragraph (c)(1) or (c)(2) of this section., (4) Reversal of recredit. A bank may reverse a recredit that it has made to a consumer account under paragraph (c)(1) or (c)(3) of this section, plus interest that the bank has paid, if any, on that amount, if the bank - , (i) Determines that the consumer's claim was not valid; and, (ii) Notifies the consumer in accordance with paragraph (e)(3) of this section., (d) Availability of recredit - (1) Next-day availability. Except as provided in paragraph (d)(2) of this section, a bank shall make any amount that it recredits to a consumer account under this section available for withdrawal no later than the start of the business day after the banking day on which the bank provides the recredit., (2) Safeguard exceptions. A bank may delay availability to a consumer of a recredit provided under paragraph (c)(3)(i) of this section until the start of the earlier of the business day after the banking day on which the bank determines the consumer's claim is valid or the 45th calendar day after the banking day on which the bank received the oral or written claim, as required by paragraph (b) of this section, if - , (i) The consumer submits the claim during the 30-calendar-day period beginning on the banking day on which the consumer account was established;, (ii) Without regard to the charge that gave rise to the recredit claim - , (A) On six or more business days during the six-month period ending on the calendar day on which the consumer submitted the claim, the balance in the consumer account was negative or would have become negative if checks or other charges to the account had been paid; or, (B) On two or more business days during such six-month period, the balance in the consumer account was negative or would have become negative in the amount of $5,000 or more if checks or other charges to the account had been paid; or, (iii) The bank has reasonable cause to believe that the claim is fraudulent, based on facts that would cause a well-grounded belief in the mind of a reasonable person that the claim is fraudulent. The fact that the check in question or the consumer is of a particular class may not be the basis for invoking this exception., (3) Overdraft fees. A bank that delays availability as permitted in paragraph (d)(2) of this section may not impose an overdraft fee with respect to drafts drawn by the consumer on such recredited funds until the fifth calendar day after the calendar day on which the bank sent the notice required by paragraph (e)(1) of this section., (e) Notices relating to consumer expedited recredit claims - (1) Notice of recredit. A bank that recredits a consumer account under paragraph (c) of this section shall send notice to the consumer of the recredit no later than the business day after the banking day on which the bank recredits the consumer account. This notice shall describe - , (i) The amount of the recredit; and, (ii) The date on which the recredited funds will be available for withdrawal., (2) Notice that the consumer's claim is not valid. If a bank determines that a substitute check for which a consumer made a claim under this section was in fact properly charged to the consumer account or that the consumer's warranty claim for that substitute check was not valid, the bank shall send notice to the consumer no later than the business day after the banking day on which the bank makes that determination. This notice shall - , (i) Include the original check or a sufficient copy, except as provided in \u00a7 229.58;, (ii) Demonstrate to the consumer that the substitute check was properly charged or the consumer's warranty claim is not valid; and, (iii) Include the information or documents (in addition to the original check or sufficient copy), if any, on which the bank relied in making its determination or a statement that the consumer may request copies of such information or documents., (3) Notice of a reversal of recredit. A bank that reverses an amount it previously recredited to a consumer account shall send notice to the consumer no later than the business day after the banking day on which the bank made the reversal. This notice shall include the information listed in paragraph (e)(2) of this section and also describe - , (i) The amount of the reversal, including both the amount of the recredit (including the interest component, if any) and the amount of interest paid on the recredited amount, if any, being reversed; and, (ii) The date on which the bank made the reversal., (f) Other claims not affected. Providing a recredit in accordance with this section shall not absolve the bank from liability for a claim made under any other provision of law, such as a claim for wrongful dishonor of a check under the U.C.C., or from liability for additional damages, such as damages under \u00a7 229.53 or \u00a7 229.56 of this subpart or U.C.C. 4-402. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["229"],"part_title":["PART 229 - AVAILABILITY OF FUNDS AND COLLECTION OF CHECKS (REGULATION CC)"],"section":["229.54"],"section_title":["\u00a7 229.54 Expedited recredit for consumers."]},"_input_hash":1161693347,"_task_hash":-1526942881,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844019,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Circumstances giving rise to a claim. A consumer may make a claim under this section for a recredit with respect to a substitute check if the consumer asserts in good faith that - , (1) The bank holding the consumer's account charged that account for a substitute check that was provided to the consumer (although the consumer need not be in possession of that substitute check at the time he or she submits a claim);, (2) The substitute check was not properly charged to the consumer account or the consumer has a warranty claim with respect to the substitute check;, (3) The consumer suffered a resulting loss; and, (4) Production of the original check or a sufficient copy is necessary to determine whether or not the substitute check in fact was improperly charged or whether the consumer's warranty claim is valid., (b) Procedures for making claims. A consumer shall make his or her claim for a recredit under this section with the bank that holds the consumer's account in accordance with the timing, content, and form requirements of this section., (1) Timing of claim. (i) The consumer shall submit his or her claim such that the bank receives the claim by the end of the 40th calendar day after the later of the calendar day on which the bank mailed or delivered, by a means agreed to by the consumer - , (A) The periodic account statement that contains information concerning the transaction giving rise to the claim; or, (B) The substitute check giving rise to the claim., (ii) If the consumer cannot submit his or her claim by the time specified in paragraph (b)(1)(i) of this section because of extenuating circumstances, the bank shall extend the 40-calendar-day period by an additional reasonable amount of time., (iii) If a consumer makes a claim orally and the bank requires the claim to be in writing, the consumer's claim is timely if the oral claim was received within the time described in paragraphs (b)(1)(i)-(ii) of this section and the written claim was received within the time described in paragraph (b)(3)(ii) of this section., (2) Content of claim. (i) The consumer's claim shall include the following information:, (A) A description of the consumer's claim, including the reason why the consumer believes his or her account was improperly charged for the substitute check or the nature of his or her warranty claim with respect to such check;, (B) A statement that the consumer suffered a loss and an estimate of the amount of that loss;, (C) The reason why production of the original check or a sufficient copy is necessary to determine whether or not the charge to the consumer's account was proper or the consumer's warranty claim is valid; and, (D) Sufficient information to allow the bank to identify the substitute check and investigate the claim., (ii) If a consumer attempts to make a claim but fails to provide all the information in paragraph (b)(2)(i) of this section that is required to constitute a claim, the bank shall inform the consumer that the claim is not complete and identify the information that is missing., (3) Form and submission of claim; computation of time for bank action. The bank holding the account that is the subject of the consumer's claim may, in its discretion, require the consumer to submit the information required by this section in writing. A bank that requires a written submission - , (i) May permit the consumer to submit the written claim electronically;, (ii) Shall inform a consumer who submits a claim orally of the written claim requirement at the time of the oral claim and may require such consumer to submit the written claim such that the bank receives the written claim by the 10th business day after the banking day on which the bank received the oral claim; and, (iii) Shall compute the time periods for acting on the consumer's claim described in paragraph (c) of this section from the date on which the bank received the written claim., (c) Action on claims. A bank that receives a claim that meets the requirements of paragraph (b) of this section shall act as follows:, (1) Valid consumer claim. If the bank determines that the consumer's claim is valid, the bank shall - , (i) Recredit the consumer's account for the amount of the consumer's loss, up to the amount of the substitute check, plus interest if the account is an interest-bearing account, no later than the end of the business day after the banking day on which the bank makes that determination; and, (ii) Send to the consumer the notice required by paragraph (e)(1) of this section., (2) Invalid consumer claim. If a bank determines that the consumer's claim is not valid, the bank shall send to the consumer the notice described in paragraph (e)(2) of this section., (3) Recredit pending investigation. If the bank has not taken an action described in paragraph (c)(1) or (c)(2) of this section before the end of the 10th business day after the banking day on which the bank received the claim, the bank shall - , (i) By the end of that business day - , (A) Recredit the consumer's account for the amount of the consumer's loss, up to the lesser of the amount of the substitute check or $2,500, plus interest on that amount if the account is an interest-bearing account; and, (B) Send to the consumer the notice required by paragraph (e)(1) of this section; and, (ii) Recredit the consumer's account for the remaining amount of the consumer's loss, if any, up to the amount of the substitute check, plus interest if the account is an interest-bearing account, no later than the end of the 45th calendar day after the banking day on which the bank received the claim and send to the consumer the notice required by paragraph (e)(1) of this section, unless the bank prior to that time has determined that the consumer's claim is or is not valid in accordance with paragraph (c)(1) or (c)(2) of this section., (4) Reversal of recredit. A bank may reverse a recredit that it has made to a consumer account under paragraph (c)(1) or (c)(3) of this section, plus interest that the bank has paid, if any, on that amount, if the bank - , (i) Determines that the consumer's claim was not valid; and, (ii) Notifies the consumer in accordance with paragraph (e)(3) of this section., (d) Availability of recredit - (1) Next-day availability. Except as provided in paragraph (d)(2) of this section, a bank shall make any amount that it recredits to a consumer account under this section available for withdrawal no later than the start of the business day after the banking day on which the bank provides the recredit., (2) Safeguard exceptions. A bank may delay availability to a consumer of a recredit provided under paragraph (c)(3)(i) of this section until the start of the earlier of the business day after the banking day on which the bank determines the consumer's claim is valid or the 45th calendar day after the banking day on which the bank received the oral or written claim, as required by paragraph (b) of this section, if - , (i) The consumer submits the claim during the 30-calendar-day period beginning on the banking day on which the consumer account was established;, (ii) Without regard to the charge that gave rise to the recredit claim - , (A) On six or more business days during the six-month period ending on the calendar day on which the consumer submitted the claim, the balance in the consumer account was negative or would have become negative if checks or other charges to the account had been paid; or, (B) On two or more business days during such six-month period, the balance in the consumer account was negative or would have become negative in the amount of $5,000 or more if checks or other charges to the account had been paid; or, (iii) The bank has reasonable cause to believe that the claim is fraudulent, based on facts that would cause a well-grounded belief in the mind of a reasonable person that the claim is fraudulent. The fact that the check in question or the consumer is of a particular class may not be the basis for invoking this exception., (3) Overdraft fees. A bank that delays availability as permitted in paragraph (d)(2) of this section may not impose an overdraft fee with respect to drafts drawn by the consumer on such recredited funds until the fifth calendar day after the calendar day on which the bank sent the notice required by paragraph (e)(1) of this section., (e) Notices relating to consumer expedited recredit claims - (1) Notice of recredit. A bank that recredits a consumer account under paragraph (c) of this section shall send notice to the consumer of the recredit no later than the business day after the banking day on which the bank recredits the consumer account. This notice shall describe - , (i) The amount of the recredit; and, (ii) The date on which the recredited funds will be available for withdrawal., (2) Notice that the consumer's claim is not valid. If a bank determines that a substitute check for which a consumer made a claim under this section was in fact properly charged to the consumer account or that the consumer's warranty claim for that substitute check was not valid, the bank shall send notice to the consumer no later than the business day after the banking day on which the bank makes that determination. This notice shall - , (i) Include the original check or a sufficient copy, except as provided in \u00a7 229.58;, (ii) Demonstrate to the consumer that the substitute check was properly charged or the consumer's warranty claim is not valid; and, (iii) Include the information or documents (in addition to the original check or sufficient copy), if any, on which the bank relied in making its determination or a statement that the consumer may request copies of such information or documents., (3) Notice of a reversal of recredit. A bank that reverses an amount it previously recredited to a consumer account shall send notice to the consumer no later than the business day after the banking day on which the bank made the reversal. This notice shall include the information listed in paragraph (e)(2) of this section and also describe - , (i) The amount of the reversal, including both the amount of the recredit (including the interest component, if any) and the amount of interest paid on the recredited amount, if any, being reversed; and, (ii) The date on which the bank made the reversal., (f) Other claims not affected. Providing a recredit in accordance with this section shall not absolve the bank from liability for a claim made under any other provision of law, such as a claim for wrongful dishonor of a check under the U.C.C., or from liability for additional damages, such as damages under \u00a7 229.53 or \u00a7 229.56 of this subpart or U.C.C. 4-402. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["229"],"part_title":["PART 229 - AVAILABILITY OF FUNDS AND COLLECTION OF CHECKS (REGULATION CC)"],"section":["229.54"],"section_title":["\u00a7 229.54 Expedited recredit for consumers."]},"_input_hash":1161693347,"_task_hash":-1526942881,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814011,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Circumstances giving rise to a claim. A consumer may make a claim under this section for a recredit with respect to a substitute check if the consumer asserts in good faith that - , (1) The bank holding the consumer's account charged that account for a substitute check that was provided to the consumer (although the consumer need not be in possession of that substitute check at the time he or she submits a claim);, (2) The substitute check was not properly charged to the consumer account or the consumer has a warranty claim with respect to the substitute check;, (3) The consumer suffered a resulting loss; and, (4) Production of the original check or a sufficient copy is necessary to determine whether or not the substitute check in fact was improperly charged or whether the consumer's warranty claim is valid., (b) Procedures for making claims. A consumer shall make his or her claim for a recredit under this section with the bank that holds the consumer's account in accordance with the timing, content, and form requirements of this section., (1) Timing of claim. (i) The consumer shall submit his or her claim such that the bank receives the claim by the end of the 40th calendar day after the later of the calendar day on which the bank mailed or delivered, by a means agreed to by the consumer - , (A) The periodic account statement that contains information concerning the transaction giving rise to the claim; or, (B) The substitute check giving rise to the claim., (ii) If the consumer cannot submit his or her claim by the time specified in paragraph (b)(1)(i) of this section because of extenuating circumstances, the bank shall extend the 40-calendar-day period by an additional reasonable amount of time., (iii) If a consumer makes a claim orally and the bank requires the claim to be in writing, the consumer's claim is timely if the oral claim was received within the time described in paragraphs (b)(1)(i)-(ii) of this section and the written claim was received within the time described in paragraph (b)(3)(ii) of this section., (2) Content of claim. (i) The consumer's claim shall include the following information:, (A) A description of the consumer's claim, including the reason why the consumer believes his or her account was improperly charged for the substitute check or the nature of his or her warranty claim with respect to such check;, (B) A statement that the consumer suffered a loss and an estimate of the amount of that loss;, (C) The reason why production of the original check or a sufficient copy is necessary to determine whether or not the charge to the consumer's account was proper or the consumer's warranty claim is valid; and, (D) Sufficient information to allow the bank to identify the substitute check and investigate the claim., (ii) If a consumer attempts to make a claim but fails to provide all the information in paragraph (b)(2)(i) of this section that is required to constitute a claim, the bank shall inform the consumer that the claim is not complete and identify the information that is missing., (3) Form and submission of claim; computation of time for bank action. The bank holding the account that is the subject of the consumer's claim may, in its discretion, require the consumer to submit the information required by this section in writing. A bank that requires a written submission - , (i) May permit the consumer to submit the written claim electronically;, (ii) Shall inform a consumer who submits a claim orally of the written claim requirement at the time of the oral claim and may require such consumer to submit the written claim such that the bank receives the written claim by the 10th business day after the banking day on which the bank received the oral claim; and, (iii) Shall compute the time periods for acting on the consumer's claim described in paragraph (c) of this section from the date on which the bank received the written claim., (c) Action on claims. A bank that receives a claim that meets the requirements of paragraph (b) of this section shall act as follows:, (1) Valid consumer claim. If the bank determines that the consumer's claim is valid, the bank shall - , (i) Recredit the consumer's account for the amount of the consumer's loss, up to the amount of the substitute check, plus interest if the account is an interest-bearing account, no later than the end of the business day after the banking day on which the bank makes that determination; and, (ii) Send to the consumer the notice required by paragraph (e)(1) of this section., (2) Invalid consumer claim. If a bank determines that the consumer's claim is not valid, the bank shall send to the consumer the notice described in paragraph (e)(2) of this section., (3) Recredit pending investigation. If the bank has not taken an action described in paragraph (c)(1) or (c)(2) of this section before the end of the 10th business day after the banking day on which the bank received the claim, the bank shall - , (i) By the end of that business day - , (A) Recredit the consumer's account for the amount of the consumer's loss, up to the lesser of the amount of the substitute check or $2,500, plus interest on that amount if the account is an interest-bearing account; and, (B) Send to the consumer the notice required by paragraph (e)(1) of this section; and, (ii) Recredit the consumer's account for the remaining amount of the consumer's loss, if any, up to the amount of the substitute check, plus interest if the account is an interest-bearing account, no later than the end of the 45th calendar day after the banking day on which the bank received the claim and send to the consumer the notice required by paragraph (e)(1) of this section, unless the bank prior to that time has determined that the consumer's claim is or is not valid in accordance with paragraph (c)(1) or (c)(2) of this section., (4) Reversal of recredit. A bank may reverse a recredit that it has made to a consumer account under paragraph (c)(1) or (c)(3) of this section, plus interest that the bank has paid, if any, on that amount, if the bank - , (i) Determines that the consumer's claim was not valid; and, (ii) Notifies the consumer in accordance with paragraph (e)(3) of this section., (d) Availability of recredit - (1) Next-day availability. Except as provided in paragraph (d)(2) of this section, a bank shall make any amount that it recredits to a consumer account under this section available for withdrawal no later than the start of the business day after the banking day on which the bank provides the recredit., (2) Safeguard exceptions. A bank may delay availability to a consumer of a recredit provided under paragraph (c)(3)(i) of this section until the start of the earlier of the business day after the banking day on which the bank determines the consumer's claim is valid or the 45th calendar day after the banking day on which the bank received the oral or written claim, as required by paragraph (b) of this section, if - , (i) The consumer submits the claim during the 30-calendar-day period beginning on the banking day on which the consumer account was established;, (ii) Without regard to the charge that gave rise to the recredit claim - , (A) On six or more business days during the six-month period ending on the calendar day on which the consumer submitted the claim, the balance in the consumer account was negative or would have become negative if checks or other charges to the account had been paid; or, (B) On two or more business days during such six-month period, the balance in the consumer account was negative or would have become negative in the amount of $5,000 or more if checks or other charges to the account had been paid; or, (iii) The bank has reasonable cause to believe that the claim is fraudulent, based on facts that would cause a well-grounded belief in the mind of a reasonable person that the claim is fraudulent. The fact that the check in question or the consumer is of a particular class may not be the basis for invoking this exception., (3) Overdraft fees. A bank that delays availability as permitted in paragraph (d)(2) of this section may not impose an overdraft fee with respect to drafts drawn by the consumer on such recredited funds until the fifth calendar day after the calendar day on which the bank sent the notice required by paragraph (e)(1) of this section., (e) Notices relating to consumer expedited recredit claims - (1) Notice of recredit. A bank that recredits a consumer account under paragraph (c) of this section shall send notice to the consumer of the recredit no later than the business day after the banking day on which the bank recredits the consumer account. This notice shall describe - , (i) The amount of the recredit; and, (ii) The date on which the recredited funds will be available for withdrawal., (2) Notice that the consumer's claim is not valid. If a bank determines that a substitute check for which a consumer made a claim under this section was in fact properly charged to the consumer account or that the consumer's warranty claim for that substitute check was not valid, the bank shall send notice to the consumer no later than the business day after the banking day on which the bank makes that determination. This notice shall - , (i) Include the original check or a sufficient copy, except as provided in \u00a7 229.58;, (ii) Demonstrate to the consumer that the substitute check was properly charged or the consumer's warranty claim is not valid; and, (iii) Include the information or documents (in addition to the original check or sufficient copy), if any, on which the bank relied in making its determination or a statement that the consumer may request copies of such information or documents., (3) Notice of a reversal of recredit. A bank that reverses an amount it previously recredited to a consumer account shall send notice to the consumer no later than the business day after the banking day on which the bank made the reversal. This notice shall include the information listed in paragraph (e)(2) of this section and also describe - , (i) The amount of the reversal, including both the amount of the recredit (including the interest component, if any) and the amount of interest paid on the recredited amount, if any, being reversed; and, (ii) The date on which the bank made the reversal., (f) Other claims not affected. Providing a recredit in accordance with this section shall not absolve the bank from liability for a claim made under any other provision of law, such as a claim for wrongful dishonor of a check under the U.C.C., or from liability for additional damages, such as damages under \u00a7 229.53 or \u00a7 229.56 of this subpart or U.C.C. 4-402. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["229"],"part_title":["PART 229 - AVAILABILITY OF FUNDS AND COLLECTION OF CHECKS (REGULATION CC)"],"section":["229.54"],"section_title":["\u00a7 229.54 Expedited recredit for consumers."]},"_input_hash":1161693347,"_task_hash":-321823381,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829659,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"A member bank may not engage in a covered transaction with any affiliate if the aggregate amount of the member bank's covered transactions with all affiliates would exceed 20 percent of the capital stock and surplus of the member bank.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["223"],"part_title":["PART 223 - TRANSACTIONS BETWEEN MEMBER BANKS AND THEIR AFFILIATES (REGULATION W)"],"section":["223.12"],"section_title":["\u00a7 223.12 What is the maximum amount of covered transactions that a member bank may enter into with all affiliates?"]},"_input_hash":1560488863,"_task_hash":-1524153670,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844053,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"A member bank may not engage in a covered transaction with any affiliate if the aggregate amount of the member bank's covered transactions with all affiliates would exceed 20 percent of the capital stock and surplus of the member bank.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["223"],"part_title":["PART 223 - TRANSACTIONS BETWEEN MEMBER BANKS AND THEIR AFFILIATES (REGULATION W)"],"section":["223.12"],"section_title":["\u00a7 223.12 What is the maximum amount of covered transactions that a member bank may enter into with all affiliates?"]},"_input_hash":1560488863,"_task_hash":-1524153670,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814035,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"A member bank may not engage in a covered transaction with any affiliate if the aggregate amount of the member bank's covered transactions with all affiliates would exceed 20 percent of the capital stock and surplus of the member bank.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["223"],"part_title":["PART 223 - TRANSACTIONS BETWEEN MEMBER BANKS AND THEIR AFFILIATES (REGULATION W)"],"section":["223.12"],"section_title":["\u00a7 223.12 What is the maximum amount of covered transactions that a member bank may enter into with all affiliates?"]},"_input_hash":1560488863,"_task_hash":-922074049,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711821947,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\""],"default":false}],"view_id":"choice"}
+{"text":"The FDIC may collect any civil penalty assessed pursuant to this subpart by agreement with the respondent, or the FDIC may bring an action against the respondent to recover the penalty amount in the appropriate United States district court. All penalties collected under this section shall be paid over to the Treasury of the United States. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.118"],"section_title":["\u00a7 308.118 Collection of penalties."]},"_input_hash":401629784,"_task_hash":1161414835,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844054,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"The FDIC may collect any civil penalty assessed pursuant to this subpart by agreement with the respondent, or the FDIC may bring an action against the respondent to recover the penalty amount in the appropriate United States district court. All penalties collected under this section shall be paid over to the Treasury of the United States. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.118"],"section_title":["\u00a7 308.118 Collection of penalties."]},"_input_hash":401629784,"_task_hash":1161414835,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814052,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"The FDIC may collect any civil penalty assessed pursuant to this subpart by agreement with the respondent, or the FDIC may bring an action against the respondent to recover the penalty amount in the appropriate United States district court. All penalties collected under this section shall be paid over to the Treasury of the United States. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.118"],"section_title":["\u00a7 308.118 Collection of penalties."]},"_input_hash":401629784,"_task_hash":-1113160868,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711821962,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"The FDIC may collect any civil penalty assessed pursuant to this subpart by agreement with the respondent, or the FDIC may bring an action against the respondent to recover the penalty amount in the appropriate United States district court. All penalties collected under this section shall be paid over to the Treasury of the United States. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.118"],"section_title":["\u00a7 308.118 Collection of penalties."]},"_input_hash":401629784,"_task_hash":905719206,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829669,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Responsibilities of board of directors. The board of directors must adopt written policies for managing the institution's investment activities. The board must also ensure that management complies with these policies and that appropriate internal controls are in place to prevent loss. At least annually, the board, or a designated committee of the board, must review the sufficiency of these investment policies., (b) Investment policies - general requirements. Investment policies must address the purposes and objectives of investments; risk tolerance; delegations of authority; internal controls; due diligence; and reporting requirements. The investment policies must fully address the extent of pre-purchase analysis that management must perform for various classes of investments. The investment policies must also address the means for reporting, and approvals needed for, exceptions to established policies. A Farm Credit bank's investment policy must address portfolio diversification and obligor limits under paragraphs (f) and (g) of this section. Investment policies must be sufficiently detailed, consistent with, and appropriate for the amounts, types, and risk characteristics of its investments., (c) Investment policies - risk tolerance. Investment policies must establish risk limits for eligible investments and for the entire investment portfolio. The investment policies must include concentration limits to ensure prudent diversification of credit, market, and, as applicable, liquidity risks in the investment portfolio. Risk limits must be based on all relevant factors, including the institution's objectives, capital position, earnings, and quality and reliability of risk management systems and must take into consideration the interest rate risk management program required by \u00a7 615.5180 or \u00a7 615.5182, as applicable. Investment policies must identify the types and quantity of investments that the institution will hold to achieve its objectives and control credit risk, market risk, and liquidity risk as applicable. Each association or service corporation that holds significant investments and each Farm Credit bank must establish risk limits in its investment policies, as applicable, for the following types of risk:, (1) Credit risk. Investment policies must establish:, (i) Credit quality standards. Credit quality standards must be established for single or related obligors, sponsors, secured and unsecured exposures, and asset classes or obligations with similar characteristics., (ii) Concentration limits. Concentration limits must be established for single or related obligors, sponsors, geographical areas, industries, unsecured exposures, asset classes or obligations with similar characteristics., (iii) Criteria for selecting brokers and, dealers. Each institution must buy and sell eligible investments with more than one securities firm. The institution must define its criteria for selecting brokers and dealers used in buying and selling investments., (iv) Collateral margin requirements on repurchase agreements. To the extent the institution engages in repurchase agreements, it must regularly mark the collateral to fair market value and ensure appropriate controls are maintained over collateral held., (2) Market risk. Investment policies must set market risk limits for specific types of investments and for the investment portfolio., (3) Liquidity risk - (i) Liquidity at Farm Credit banks. Investment policies must describe the liquidity characteristics of eligible investments that the bank will hold to meet its liquidity needs and other institutional objectives., (ii) Liquidity at associations. Investment policies must describe the liquid characteristics of eligible investments that the association will hold., (4) Operational risk. Investment policies must address operational risks, including delegations of authority and internal controls under paragraphs (d) and (e) of this section., (d) Delegation of authority. All delegations of authority to specified personnel or committees must state the extent of management's authority and responsibilities for investments., (e) Internal controls. Each institution must:, (1) Establish appropriate internal controls to detect and prevent loss, fraud, embezzlement, conflicts of interest, and unauthorized investments., (2) Establish and maintain a separation of duties between personnel who supervise or execute investment transactions and personnel who supervise or engage in all other investment-related functions., (3) Maintain records and management information systems that are appropriate for the level and complexity of the institution's investment activities., (4) Implement an effective internal audit program to review, at least annually, the investment management practices including internal controls, reporting processes, and compliance with FCA regulations. This annual review's scope must be appropriate for the size, risk and complexity of the investment portfolio., (f) Farm Credit bank portfolio diversification - (1) Well-diversified portfolio. Subject to the exemptions set forth in paragraph (f)(3) of this section, each Farm Credit bank must maintain a well-diversified investment portfolio as set forth in paragraph (f)(2) of this section., (2) Investment portfolio diversification requirements. A well-diversified investment portfolio means that, at a minimum, investments are comprised of different asset classes, maturities, industries, geographic areas, and obligors. These diversification requirements apply to each individual security that the Farm Credit bank holds within a DIF. In addition, except as exempted by paragraph (f)(3) of this section, no more than 15 percent of the investment portfolio may be invested in any one asset class. Securities within each DIF count toward the appropriate asset class. Measurement of this diversification requirement must be based on the portfolio valued at amortized cost., (3) Exemptions from investment portfolio diversification requirements. The following investments are not subject to the 15-percent investment portfolio diversification requirement specified in paragraph (f)(2) of this section:, (i) Investments that are fully guaranteed as to the timely payment of principal and interest by a U.S. Government agency;, (ii) Investments that are fully and explicitly guaranteed as to the timely payment of principal and interest by a GSE, except that no more than 50 percent of the investment portfolio may be comprised of GSE MBS. Investments in Farmer Mac securities are governed by \u00a7 615.5174 and are not subject to this limitation; and, (iii) Money market instruments identified in \u00a7 615.5131., (g) Farm Credit bank obligor limit. No more than 10 percent of a Farm Credit bank's total capital (Tier 1 and Tier 2) as defined by \u00a7 628.2 of this chapter may be invested in any one obligor. This obligor limit does not apply to investments in obligations that are fully guaranteed as to the timely payment of principal and interest by U.S. Government agencies or fully and explicitly guaranteed as to the timely payment of principal and interest by GSEs. For a DIF, both the DIF itself and the entities obligated to pay the underlying debt are obligors., (h) Due diligence - (1) Pre-purchase analysis - (i) Eligibility and compliance with investment policies. Before purchasing an investment, the institution must conduct sufficient due diligence to determine whether the investment is eligible under \u00a7 615.5140 and complies with its board's investment policies. The institution must document its assessment and retain any supporting information used in that assessment. The institution may hold an investment that does not comply with its investment policies only with the prior approval of its board., (ii) Valuation. Prior to purchase, the institution must verify the fair market value of the investment (unless it is a new issue) with a source that is independent of the broker, dealer, counterparty or other intermediary to the transaction., (iii) Risk assessment. At purchase, the institution must at a minimum include an evaluation of the credit risk (including country risk when applicable), liquidity risk, market risk, interest rate risk, and underlying collateral of the investment, as applicable. This assessment must be commensurate with the complexity and type of the investment. The institution must also perform stress testing on any structured investment that has uncertain cash flows, including all MBS and ABS, before purchase. The stress test must be commensurate with the type and complexity of the investment and must enable the institution to determine that the investment does not expose its capital, earnings, or liquidity if applicable, to risks that are greater than those specified in its investment policies. The stress testing must comply with the requirements in paragraph (h)(4)(ii) of this section. The institution must document and retain its risk assessment and stress tests conducted on investments purchased., (2) Ongoing value determination. At least monthly, the institution must determine the fair market value of each investment in its portfolio and the fair market value of its whole investment portfolio., (3) Ongoing analysis of credit risk. The institution must establish and maintain processes to monitor and evaluate changes in the credit quality of each investment in its portfolio and in its whole investment portfolio on an ongoing basis., (4) Quarterly stress testing. (i) The institution must stress test its entire investment portfolio, including stress tests of each investment individually and the whole portfolio, at the end of each quarter. The stress tests must enable the institution to determine that its investment securities, both individually and on a portfolio-wide basis, do not expose its capital, earnings, or liquidity if applicable, to risks that exceed the risk tolerance specified in its investment policies. If the institution's portfolio risk exceeds its investment policy limits, the institution must develop a plan to comply with those limits., (ii) The institution's stress tests must be defined in a board-approved policy and must include defined parameters for the security types purchased. The stress tests must be comprehensive and appropriate for the institution's risk profile. At a minimum, the stress tests must be able to measure the price sensitivity of investments over a range of possible interest rates and yield curve scenarios. The stress test methodology must be appropriate for the complexity, structure, and cash flows of the investments in the institution's portfolio. The institution must rely to the maximum extent practicable on verifiable information to support all its stress test assumptions, including prepayment and interest rate volatility assumptions. The institution must document the basis for all assumptions used to evaluate the security and its underlying collateral. The institution must also document all subsequent changes in its assumptions., (5) Presale value verification. Before the institution sells an investment, it must verify its fair market value with an independent source not connected with the sale transaction., (i) Reports to the board of directors. At least quarterly, the institution's management must report on the following to its board of directors or a designated board committee:, (1) Plans and strategies for achieving the board's objectives for the investment portfolio;, (2) Whether the investment portfolio effectively achieves the board's objectives;, (3) The current composition, quality, and the risk and liquidity profiles of the investment portfolio;, (4) The performance of each class of investments and the entire investment portfolio, including all gains and losses realized during the quarter on individual investments that the institution sold before maturity and why they were liquidated;, (5) Potential risk exposure to changes in market interest rates as identified through quarterly stress testing and any other factors that may affect the value of its investment holdings;, (6) How investments affect its capital, earnings, and overall financial condition;, (7) Any deviations from the board's policies (must be specifically identified);, (8) The status and performance of each investment described in \u00a7 615.5143(a) and (b) or that does not comply with the institution's investment policies; including the expected effect of these investments on its capital, earnings, liquidity, as applicable, and collateral position; and, (9) The terms and status of any required divestiture plan or risk reduction plan.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["615"],"part_title":["PART 615 - FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS"],"section":["615.5133"],"section_title":["\u00a7 615.5133 Investment management."]},"_input_hash":539587119,"_task_hash":1376617803,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844058,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Responsibilities of board of directors. The board of directors must adopt written policies for managing the institution's investment activities. The board must also ensure that management complies with these policies and that appropriate internal controls are in place to prevent loss. At least annually, the board, or a designated committee of the board, must review the sufficiency of these investment policies., (b) Investment policies - general requirements. Investment policies must address the purposes and objectives of investments; risk tolerance; delegations of authority; internal controls; due diligence; and reporting requirements. The investment policies must fully address the extent of pre-purchase analysis that management must perform for various classes of investments. The investment policies must also address the means for reporting, and approvals needed for, exceptions to established policies. A Farm Credit bank's investment policy must address portfolio diversification and obligor limits under paragraphs (f) and (g) of this section. Investment policies must be sufficiently detailed, consistent with, and appropriate for the amounts, types, and risk characteristics of its investments., (c) Investment policies - risk tolerance. Investment policies must establish risk limits for eligible investments and for the entire investment portfolio. The investment policies must include concentration limits to ensure prudent diversification of credit, market, and, as applicable, liquidity risks in the investment portfolio. Risk limits must be based on all relevant factors, including the institution's objectives, capital position, earnings, and quality and reliability of risk management systems and must take into consideration the interest rate risk management program required by \u00a7 615.5180 or \u00a7 615.5182, as applicable. Investment policies must identify the types and quantity of investments that the institution will hold to achieve its objectives and control credit risk, market risk, and liquidity risk as applicable. Each association or service corporation that holds significant investments and each Farm Credit bank must establish risk limits in its investment policies, as applicable, for the following types of risk:, (1) Credit risk. Investment policies must establish:, (i) Credit quality standards. Credit quality standards must be established for single or related obligors, sponsors, secured and unsecured exposures, and asset classes or obligations with similar characteristics., (ii) Concentration limits. Concentration limits must be established for single or related obligors, sponsors, geographical areas, industries, unsecured exposures, asset classes or obligations with similar characteristics., (iii) Criteria for selecting brokers and, dealers. Each institution must buy and sell eligible investments with more than one securities firm. The institution must define its criteria for selecting brokers and dealers used in buying and selling investments., (iv) Collateral margin requirements on repurchase agreements. To the extent the institution engages in repurchase agreements, it must regularly mark the collateral to fair market value and ensure appropriate controls are maintained over collateral held., (2) Market risk. Investment policies must set market risk limits for specific types of investments and for the investment portfolio., (3) Liquidity risk - (i) Liquidity at Farm Credit banks. Investment policies must describe the liquidity characteristics of eligible investments that the bank will hold to meet its liquidity needs and other institutional objectives., (ii) Liquidity at associations. Investment policies must describe the liquid characteristics of eligible investments that the association will hold., (4) Operational risk. Investment policies must address operational risks, including delegations of authority and internal controls under paragraphs (d) and (e) of this section., (d) Delegation of authority. All delegations of authority to specified personnel or committees must state the extent of management's authority and responsibilities for investments., (e) Internal controls. Each institution must:, (1) Establish appropriate internal controls to detect and prevent loss, fraud, embezzlement, conflicts of interest, and unauthorized investments., (2) Establish and maintain a separation of duties between personnel who supervise or execute investment transactions and personnel who supervise or engage in all other investment-related functions., (3) Maintain records and management information systems that are appropriate for the level and complexity of the institution's investment activities., (4) Implement an effective internal audit program to review, at least annually, the investment management practices including internal controls, reporting processes, and compliance with FCA regulations. This annual review's scope must be appropriate for the size, risk and complexity of the investment portfolio., (f) Farm Credit bank portfolio diversification - (1) Well-diversified portfolio. Subject to the exemptions set forth in paragraph (f)(3) of this section, each Farm Credit bank must maintain a well-diversified investment portfolio as set forth in paragraph (f)(2) of this section., (2) Investment portfolio diversification requirements. A well-diversified investment portfolio means that, at a minimum, investments are comprised of different asset classes, maturities, industries, geographic areas, and obligors. These diversification requirements apply to each individual security that the Farm Credit bank holds within a DIF. In addition, except as exempted by paragraph (f)(3) of this section, no more than 15 percent of the investment portfolio may be invested in any one asset class. Securities within each DIF count toward the appropriate asset class. Measurement of this diversification requirement must be based on the portfolio valued at amortized cost., (3) Exemptions from investment portfolio diversification requirements. The following investments are not subject to the 15-percent investment portfolio diversification requirement specified in paragraph (f)(2) of this section:, (i) Investments that are fully guaranteed as to the timely payment of principal and interest by a U.S. Government agency;, (ii) Investments that are fully and explicitly guaranteed as to the timely payment of principal and interest by a GSE, except that no more than 50 percent of the investment portfolio may be comprised of GSE MBS. Investments in Farmer Mac securities are governed by \u00a7 615.5174 and are not subject to this limitation; and, (iii) Money market instruments identified in \u00a7 615.5131., (g) Farm Credit bank obligor limit. No more than 10 percent of a Farm Credit bank's total capital (Tier 1 and Tier 2) as defined by \u00a7 628.2 of this chapter may be invested in any one obligor. This obligor limit does not apply to investments in obligations that are fully guaranteed as to the timely payment of principal and interest by U.S. Government agencies or fully and explicitly guaranteed as to the timely payment of principal and interest by GSEs. For a DIF, both the DIF itself and the entities obligated to pay the underlying debt are obligors., (h) Due diligence - (1) Pre-purchase analysis - (i) Eligibility and compliance with investment policies. Before purchasing an investment, the institution must conduct sufficient due diligence to determine whether the investment is eligible under \u00a7 615.5140 and complies with its board's investment policies. The institution must document its assessment and retain any supporting information used in that assessment. The institution may hold an investment that does not comply with its investment policies only with the prior approval of its board., (ii) Valuation. Prior to purchase, the institution must verify the fair market value of the investment (unless it is a new issue) with a source that is independent of the broker, dealer, counterparty or other intermediary to the transaction., (iii) Risk assessment. At purchase, the institution must at a minimum include an evaluation of the credit risk (including country risk when applicable), liquidity risk, market risk, interest rate risk, and underlying collateral of the investment, as applicable. This assessment must be commensurate with the complexity and type of the investment. The institution must also perform stress testing on any structured investment that has uncertain cash flows, including all MBS and ABS, before purchase. The stress test must be commensurate with the type and complexity of the investment and must enable the institution to determine that the investment does not expose its capital, earnings, or liquidity if applicable, to risks that are greater than those specified in its investment policies. The stress testing must comply with the requirements in paragraph (h)(4)(ii) of this section. The institution must document and retain its risk assessment and stress tests conducted on investments purchased., (2) Ongoing value determination. At least monthly, the institution must determine the fair market value of each investment in its portfolio and the fair market value of its whole investment portfolio., (3) Ongoing analysis of credit risk. The institution must establish and maintain processes to monitor and evaluate changes in the credit quality of each investment in its portfolio and in its whole investment portfolio on an ongoing basis., (4) Quarterly stress testing. (i) The institution must stress test its entire investment portfolio, including stress tests of each investment individually and the whole portfolio, at the end of each quarter. The stress tests must enable the institution to determine that its investment securities, both individually and on a portfolio-wide basis, do not expose its capital, earnings, or liquidity if applicable, to risks that exceed the risk tolerance specified in its investment policies. If the institution's portfolio risk exceeds its investment policy limits, the institution must develop a plan to comply with those limits., (ii) The institution's stress tests must be defined in a board-approved policy and must include defined parameters for the security types purchased. The stress tests must be comprehensive and appropriate for the institution's risk profile. At a minimum, the stress tests must be able to measure the price sensitivity of investments over a range of possible interest rates and yield curve scenarios. The stress test methodology must be appropriate for the complexity, structure, and cash flows of the investments in the institution's portfolio. The institution must rely to the maximum extent practicable on verifiable information to support all its stress test assumptions, including prepayment and interest rate volatility assumptions. The institution must document the basis for all assumptions used to evaluate the security and its underlying collateral. The institution must also document all subsequent changes in its assumptions., (5) Presale value verification. Before the institution sells an investment, it must verify its fair market value with an independent source not connected with the sale transaction., (i) Reports to the board of directors. At least quarterly, the institution's management must report on the following to its board of directors or a designated board committee:, (1) Plans and strategies for achieving the board's objectives for the investment portfolio;, (2) Whether the investment portfolio effectively achieves the board's objectives;, (3) The current composition, quality, and the risk and liquidity profiles of the investment portfolio;, (4) The performance of each class of investments and the entire investment portfolio, including all gains and losses realized during the quarter on individual investments that the institution sold before maturity and why they were liquidated;, (5) Potential risk exposure to changes in market interest rates as identified through quarterly stress testing and any other factors that may affect the value of its investment holdings;, (6) How investments affect its capital, earnings, and overall financial condition;, (7) Any deviations from the board's policies (must be specifically identified);, (8) The status and performance of each investment described in \u00a7 615.5143(a) and (b) or that does not comply with the institution's investment policies; including the expected effect of these investments on its capital, earnings, liquidity, as applicable, and collateral position; and, (9) The terms and status of any required divestiture plan or risk reduction plan.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["615"],"part_title":["PART 615 - FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS"],"section":["615.5133"],"section_title":["\u00a7 615.5133 Investment management."]},"_input_hash":539587119,"_task_hash":-1353641660,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814074,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"(a) Responsibilities of board of directors. The board of directors must adopt written policies for managing the institution's investment activities. The board must also ensure that management complies with these policies and that appropriate internal controls are in place to prevent loss. At least annually, the board, or a designated committee of the board, must review the sufficiency of these investment policies., (b) Investment policies - general requirements. Investment policies must address the purposes and objectives of investments; risk tolerance; delegations of authority; internal controls; due diligence; and reporting requirements. The investment policies must fully address the extent of pre-purchase analysis that management must perform for various classes of investments. The investment policies must also address the means for reporting, and approvals needed for, exceptions to established policies. A Farm Credit bank's investment policy must address portfolio diversification and obligor limits under paragraphs (f) and (g) of this section. Investment policies must be sufficiently detailed, consistent with, and appropriate for the amounts, types, and risk characteristics of its investments., (c) Investment policies - risk tolerance. Investment policies must establish risk limits for eligible investments and for the entire investment portfolio. The investment policies must include concentration limits to ensure prudent diversification of credit, market, and, as applicable, liquidity risks in the investment portfolio. Risk limits must be based on all relevant factors, including the institution's objectives, capital position, earnings, and quality and reliability of risk management systems and must take into consideration the interest rate risk management program required by \u00a7 615.5180 or \u00a7 615.5182, as applicable. Investment policies must identify the types and quantity of investments that the institution will hold to achieve its objectives and control credit risk, market risk, and liquidity risk as applicable. Each association or service corporation that holds significant investments and each Farm Credit bank must establish risk limits in its investment policies, as applicable, for the following types of risk:, (1) Credit risk. Investment policies must establish:, (i) Credit quality standards. Credit quality standards must be established for single or related obligors, sponsors, secured and unsecured exposures, and asset classes or obligations with similar characteristics., (ii) Concentration limits. Concentration limits must be established for single or related obligors, sponsors, geographical areas, industries, unsecured exposures, asset classes or obligations with similar characteristics., (iii) Criteria for selecting brokers and, dealers. Each institution must buy and sell eligible investments with more than one securities firm. The institution must define its criteria for selecting brokers and dealers used in buying and selling investments., (iv) Collateral margin requirements on repurchase agreements. To the extent the institution engages in repurchase agreements, it must regularly mark the collateral to fair market value and ensure appropriate controls are maintained over collateral held., (2) Market risk. Investment policies must set market risk limits for specific types of investments and for the investment portfolio., (3) Liquidity risk - (i) Liquidity at Farm Credit banks. Investment policies must describe the liquidity characteristics of eligible investments that the bank will hold to meet its liquidity needs and other institutional objectives., (ii) Liquidity at associations. Investment policies must describe the liquid characteristics of eligible investments that the association will hold., (4) Operational risk. Investment policies must address operational risks, including delegations of authority and internal controls under paragraphs (d) and (e) of this section., (d) Delegation of authority. All delegations of authority to specified personnel or committees must state the extent of management's authority and responsibilities for investments., (e) Internal controls. Each institution must:, (1) Establish appropriate internal controls to detect and prevent loss, fraud, embezzlement, conflicts of interest, and unauthorized investments., (2) Establish and maintain a separation of duties between personnel who supervise or execute investment transactions and personnel who supervise or engage in all other investment-related functions., (3) Maintain records and management information systems that are appropriate for the level and complexity of the institution's investment activities., (4) Implement an effective internal audit program to review, at least annually, the investment management practices including internal controls, reporting processes, and compliance with FCA regulations. This annual review's scope must be appropriate for the size, risk and complexity of the investment portfolio., (f) Farm Credit bank portfolio diversification - (1) Well-diversified portfolio. Subject to the exemptions set forth in paragraph (f)(3) of this section, each Farm Credit bank must maintain a well-diversified investment portfolio as set forth in paragraph (f)(2) of this section., (2) Investment portfolio diversification requirements. A well-diversified investment portfolio means that, at a minimum, investments are comprised of different asset classes, maturities, industries, geographic areas, and obligors. These diversification requirements apply to each individual security that the Farm Credit bank holds within a DIF. In addition, except as exempted by paragraph (f)(3) of this section, no more than 15 percent of the investment portfolio may be invested in any one asset class. Securities within each DIF count toward the appropriate asset class. Measurement of this diversification requirement must be based on the portfolio valued at amortized cost., (3) Exemptions from investment portfolio diversification requirements. The following investments are not subject to the 15-percent investment portfolio diversification requirement specified in paragraph (f)(2) of this section:, (i) Investments that are fully guaranteed as to the timely payment of principal and interest by a U.S. Government agency;, (ii) Investments that are fully and explicitly guaranteed as to the timely payment of principal and interest by a GSE, except that no more than 50 percent of the investment portfolio may be comprised of GSE MBS. Investments in Farmer Mac securities are governed by \u00a7 615.5174 and are not subject to this limitation; and, (iii) Money market instruments identified in \u00a7 615.5131., (g) Farm Credit bank obligor limit. No more than 10 percent of a Farm Credit bank's total capital (Tier 1 and Tier 2) as defined by \u00a7 628.2 of this chapter may be invested in any one obligor. This obligor limit does not apply to investments in obligations that are fully guaranteed as to the timely payment of principal and interest by U.S. Government agencies or fully and explicitly guaranteed as to the timely payment of principal and interest by GSEs. For a DIF, both the DIF itself and the entities obligated to pay the underlying debt are obligors., (h) Due diligence - (1) Pre-purchase analysis - (i) Eligibility and compliance with investment policies. Before purchasing an investment, the institution must conduct sufficient due diligence to determine whether the investment is eligible under \u00a7 615.5140 and complies with its board's investment policies. The institution must document its assessment and retain any supporting information used in that assessment. The institution may hold an investment that does not comply with its investment policies only with the prior approval of its board., (ii) Valuation. Prior to purchase, the institution must verify the fair market value of the investment (unless it is a new issue) with a source that is independent of the broker, dealer, counterparty or other intermediary to the transaction., (iii) Risk assessment. At purchase, the institution must at a minimum include an evaluation of the credit risk (including country risk when applicable), liquidity risk, market risk, interest rate risk, and underlying collateral of the investment, as applicable. This assessment must be commensurate with the complexity and type of the investment. The institution must also perform stress testing on any structured investment that has uncertain cash flows, including all MBS and ABS, before purchase. The stress test must be commensurate with the type and complexity of the investment and must enable the institution to determine that the investment does not expose its capital, earnings, or liquidity if applicable, to risks that are greater than those specified in its investment policies. The stress testing must comply with the requirements in paragraph (h)(4)(ii) of this section. The institution must document and retain its risk assessment and stress tests conducted on investments purchased., (2) Ongoing value determination. At least monthly, the institution must determine the fair market value of each investment in its portfolio and the fair market value of its whole investment portfolio., (3) Ongoing analysis of credit risk. The institution must establish and maintain processes to monitor and evaluate changes in the credit quality of each investment in its portfolio and in its whole investment portfolio on an ongoing basis., (4) Quarterly stress testing. (i) The institution must stress test its entire investment portfolio, including stress tests of each investment individually and the whole portfolio, at the end of each quarter. The stress tests must enable the institution to determine that its investment securities, both individually and on a portfolio-wide basis, do not expose its capital, earnings, or liquidity if applicable, to risks that exceed the risk tolerance specified in its investment policies. If the institution's portfolio risk exceeds its investment policy limits, the institution must develop a plan to comply with those limits., (ii) The institution's stress tests must be defined in a board-approved policy and must include defined parameters for the security types purchased. The stress tests must be comprehensive and appropriate for the institution's risk profile. At a minimum, the stress tests must be able to measure the price sensitivity of investments over a range of possible interest rates and yield curve scenarios. The stress test methodology must be appropriate for the complexity, structure, and cash flows of the investments in the institution's portfolio. The institution must rely to the maximum extent practicable on verifiable information to support all its stress test assumptions, including prepayment and interest rate volatility assumptions. The institution must document the basis for all assumptions used to evaluate the security and its underlying collateral. The institution must also document all subsequent changes in its assumptions., (5) Presale value verification. Before the institution sells an investment, it must verify its fair market value with an independent source not connected with the sale transaction., (i) Reports to the board of directors. At least quarterly, the institution's management must report on the following to its board of directors or a designated board committee:, (1) Plans and strategies for achieving the board's objectives for the investment portfolio;, (2) Whether the investment portfolio effectively achieves the board's objectives;, (3) The current composition, quality, and the risk and liquidity profiles of the investment portfolio;, (4) The performance of each class of investments and the entire investment portfolio, including all gains and losses realized during the quarter on individual investments that the institution sold before maturity and why they were liquidated;, (5) Potential risk exposure to changes in market interest rates as identified through quarterly stress testing and any other factors that may affect the value of its investment holdings;, (6) How investments affect its capital, earnings, and overall financial condition;, (7) Any deviations from the board's policies (must be specifically identified);, (8) The status and performance of each investment described in \u00a7 615.5143(a) and (b) or that does not comply with the institution's investment policies; including the expected effect of these investments on its capital, earnings, liquidity, as applicable, and collateral position; and, (9) The terms and status of any required divestiture plan or risk reduction plan.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["615"],"part_title":["PART 615 - FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS"],"section":["615.5133"],"section_title":["\u00a7 615.5133 Investment management."]},"_input_hash":539587119,"_task_hash":1376617803,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711821976,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"No branch application or prior approval is required in order for a state nonmember bank to participate in one or more financial education programs that involve receiving deposits, paying withdrawals, or lending money if:, (a) Such service or services are provided on school premises, or a facility used by the school;, (b) Such service or services are provided at the discretion of the school;, (c) The principal purpose of each program is financial education. For example, the principal purpose of a program would be considered to be financial education if the program is designed to teach students the principles of personal financial management, banking operations, or the benefits of saving for the future, and is not designed for the purpose of profit-making; and, (d) Each program is conducted in a manner that is consistent with safe and sound banking practices and complies with applicable law.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["303"],"part_title":["PART 303 - FILING PROCEDURES"],"section":["303.46"],"section_title":["\u00a7 303.46 Financial education programs that include the provision of bank products and services."]},"_input_hash":252025325,"_task_hash":-1580064624,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844069,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"No branch application or prior approval is required in order for a state nonmember bank to participate in one or more financial education programs that involve receiving deposits, paying withdrawals, or lending money if:, (a) Such service or services are provided on school premises, or a facility used by the school;, (b) Such service or services are provided at the discretion of the school;, (c) The principal purpose of each program is financial education. For example, the principal purpose of a program would be considered to be financial education if the program is designed to teach students the principles of personal financial management, banking operations, or the benefits of saving for the future, and is not designed for the purpose of profit-making; and, (d) Each program is conducted in a manner that is consistent with safe and sound banking practices and complies with applicable law.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["303"],"part_title":["PART 303 - FILING PROCEDURES"],"section":["303.46"],"section_title":["\u00a7 303.46 Financial education programs that include the provision of bank products and services."]},"_input_hash":252025325,"_task_hash":-1580064624,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814103,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"No branch application or prior approval is required in order for a state nonmember bank to participate in one or more financial education programs that involve receiving deposits, paying withdrawals, or lending money if:, (a) Such service or services are provided on school premises, or a facility used by the school;, (b) Such service or services are provided at the discretion of the school;, (c) The principal purpose of each program is financial education. For example, the principal purpose of a program would be considered to be financial education if the program is designed to teach students the principles of personal financial management, banking operations, or the benefits of saving for the future, and is not designed for the purpose of profit-making; and, (d) Each program is conducted in a manner that is consistent with safe and sound banking practices and complies with applicable law.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["303"],"part_title":["PART 303 - FILING PROCEDURES"],"section":["303.46"],"section_title":["\u00a7 303.46 Financial education programs that include the provision of bank products and services."]},"_input_hash":252025325,"_task_hash":119919485,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711822037,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Claims. (1) A person who makes a false, fictitious, or fraudulent claim to the FDIC is subject to a civil penalty of up to $5,000 per claim. A claim is false, fictitious, or fraudulent if the person making the claim knows, or has reason to know, that: , (i) The claim is false, fictitious, or fraudulent; or , (ii) The claim includes, or is supported by, a written statement that asserts a material fact which is false, fictitious or fraudulent; or , (iii) The claim includes, or is supported by, a written statement that: , (A) Omits a material fact; and , (B) Is false, fictitious, or fraudulent as a result of that omission; and , (C) Is a statement in which the person making the statement has a duty to include the material fact; or , (iv) The claim seeks payment for providing property or services that the person has not provided as claimed. , (2) Each voucher, invoice, claim form, or other individual request or demand for property, services, or money constitutes a separate claim. , (3) A claim will be considered made to the FDIC, recipient, or party when the claim is actually made to an agent, fiscal intermediary, or other entity, including any state or political subdivision thereof, acting for or on behalf of the FDIC, recipient, or party. , (4) Each claim for property, services, or money that constitutes any one of the elements in paragraph (a)(1) of this section is subject to a civil penalty regardless of whether the property, services, or money is actually delivered or paid. , (5) If the FDIC has made any payment (including transferred property or provided services) on a claim, a person subject to a civil penalty under paragraph (a)(1) of this section will also be subject to an assessment of not more than twice the amount of such claim (or portion of the claim) that is determined to constitute a false, fictitious, or fraudulent claim under paragraph (a)(1) of this section. The assessment will be in lieu of damages sustained by the FDIC because of the claims. , (6) The amount of any penalty assessed under paragraph (a)(1) of this section will be adjusted for inflation in accordance with \u00a7 308.132(d)., (7) The penalty specified in paragraph (a)(1) of this section is in addition to any other remedy allowable by law. , (b) Statements. (1) A person who submits to the FDIC a false, fictitious or fraudulent statement is subject to a civil penalty of up to $5,000 per statement. A statement is false, fictitious or fraudulent if the person submitting the statement to the FDIC knows, or has reason to know, that: , (i) The statement asserts a material fact which is false, fictitious, or fraudulent; or , (ii) The statement omits a material fact that the person making the statement has a duty to include in the statement; and , (iii) The statement contains or is accompanied by an express certification or affirmation of the truthfulness and accuracy of the contents of the statement. , (2) Each written representation, certification, or affirmation constitutes a separate statement. , (3) A statement will be considered made to the FDIC when the statement is actually made to an agent, fiscal intermediary, or other entity, including any state or political subdivision thereof, acting for or on behalf of the FDIC. , (4) The amount of any penalty assessed under paragraph (a)(1) of this section will be adjusted for inflation in accordance with \u00a7 308.132(d)., (5) The penalty specified in paragraph (a)(1) of this section is in addition to any other remedy allowable by law. , (c) Failure to file declaration/certification. Where, as a prerequisite to conducting business with the FDIC, a person is required by law to file one or more declarations and/or certifications, and the person intentionally fails to file such declaration/certification, the person will be subject to the civil penalties as prescribed by this subpart. , (d) Civil money penalties that are assessed under this subpart are subject to annual adjustments to account for inflation as required by the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015 (Pub. L. 114-74, sec. 701, 129 Stat. 584) (see also 12 CFR 308.132(d)(17))., (e) Liability. (1) In any case in which it is determined that more than one person is liable for making a claim or statement under this section, each such person may be held jointly and severally liable for a civil penalty under this section. , (2) In any case in which it is determined that more than one person is liable for making a claim under this section on which the FDIC has made payment (including transferred property or provided services), an assessment may be imposed against any such person or jointly and severally against any combination of such persons. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.502"],"section_title":["\u00a7 308.502 Basis for civil penalties and assessments."]},"_input_hash":-942642598,"_task_hash":-852831451,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844072,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\""],"versions":[{"text":"(a) Claims. (1) A person who makes a false, fictitious, or fraudulent claim to the FDIC is subject to a civil penalty of up to $5,000 per claim. A claim is false, fictitious, or fraudulent if the person making the claim knows, or has reason to know, that: , (i) The claim is false, fictitious, or fraudulent; or , (ii) The claim includes, or is supported by, a written statement that asserts a material fact which is false, fictitious or fraudulent; or , (iii) The claim includes, or is supported by, a written statement that: , (A) Omits a material fact; and , (B) Is false, fictitious, or fraudulent as a result of that omission; and , (C) Is a statement in which the person making the statement has a duty to include the material fact; or , (iv) The claim seeks payment for providing property or services that the person has not provided as claimed. , (2) Each voucher, invoice, claim form, or other individual request or demand for property, services, or money constitutes a separate claim. , (3) A claim will be considered made to the FDIC, recipient, or party when the claim is actually made to an agent, fiscal intermediary, or other entity, including any state or political subdivision thereof, acting for or on behalf of the FDIC, recipient, or party. , (4) Each claim for property, services, or money that constitutes any one of the elements in paragraph (a)(1) of this section is subject to a civil penalty regardless of whether the property, services, or money is actually delivered or paid. , (5) If the FDIC has made any payment (including transferred property or provided services) on a claim, a person subject to a civil penalty under paragraph (a)(1) of this section will also be subject to an assessment of not more than twice the amount of such claim (or portion of the claim) that is determined to constitute a false, fictitious, or fraudulent claim under paragraph (a)(1) of this section. The assessment will be in lieu of damages sustained by the FDIC because of the claims. , (6) The amount of any penalty assessed under paragraph (a)(1) of this section will be adjusted for inflation in accordance with \u00a7 308.132(d)., (7) The penalty specified in paragraph (a)(1) of this section is in addition to any other remedy allowable by law. , (b) Statements. (1) A person who submits to the FDIC a false, fictitious or fraudulent statement is subject to a civil penalty of up to $5,000 per statement. A statement is false, fictitious or fraudulent if the person submitting the statement to the FDIC knows, or has reason to know, that: , (i) The statement asserts a material fact which is false, fictitious, or fraudulent; or , (ii) The statement omits a material fact that the person making the statement has a duty to include in the statement; and , (iii) The statement contains or is accompanied by an express certification or affirmation of the truthfulness and accuracy of the contents of the statement. , (2) Each written representation, certification, or affirmation constitutes a separate statement. , (3) A statement will be considered made to the FDIC when the statement is actually made to an agent, fiscal intermediary, or other entity, including any state or political subdivision thereof, acting for or on behalf of the FDIC. , (4) The amount of any penalty assessed under paragraph (a)(1) of this section will be adjusted for inflation in accordance with \u00a7 308.132(d)., (5) The penalty specified in paragraph (a)(1) of this section is in addition to any other remedy allowable by law. , (c) Failure to file declaration/certification. Where, as a prerequisite to conducting business with the FDIC, a person is required by law to file one or more declarations and/or certifications, and the person intentionally fails to file such declaration/certification, the person will be subject to the civil penalties as prescribed by this subpart. , (d) Civil money penalties that are assessed under this subpart are subject to annual adjustments to account for inflation as required by the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015 (Pub. L. 114-74, sec. 701, 129 Stat. 584) (see also 12 CFR 308.132(d)(17))., (e) Liability. (1) In any case in which it is determined that more than one person is liable for making a claim or statement under this section, each such person may be held jointly and severally liable for a civil penalty under this section. , (2) In any case in which it is determined that more than one person is liable for making a claim under this section on which the FDIC has made payment (including transferred property or provided services), an assessment may be imposed against any such person or jointly and severally against any combination of such persons. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.502"],"section_title":["\u00a7 308.502 Basis for civil penalties and assessments."]},"_input_hash":-942642598,"_task_hash":1349830286,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814120,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"(a) Claims. (1) A person who makes a false, fictitious, or fraudulent claim to the FDIC is subject to a civil penalty of up to $5,000 per claim. A claim is false, fictitious, or fraudulent if the person making the claim knows, or has reason to know, that: , (i) The claim is false, fictitious, or fraudulent; or , (ii) The claim includes, or is supported by, a written statement that asserts a material fact which is false, fictitious or fraudulent; or , (iii) The claim includes, or is supported by, a written statement that: , (A) Omits a material fact; and , (B) Is false, fictitious, or fraudulent as a result of that omission; and , (C) Is a statement in which the person making the statement has a duty to include the material fact; or , (iv) The claim seeks payment for providing property or services that the person has not provided as claimed. , (2) Each voucher, invoice, claim form, or other individual request or demand for property, services, or money constitutes a separate claim. , (3) A claim will be considered made to the FDIC, recipient, or party when the claim is actually made to an agent, fiscal intermediary, or other entity, including any state or political subdivision thereof, acting for or on behalf of the FDIC, recipient, or party. , (4) Each claim for property, services, or money that constitutes any one of the elements in paragraph (a)(1) of this section is subject to a civil penalty regardless of whether the property, services, or money is actually delivered or paid. , (5) If the FDIC has made any payment (including transferred property or provided services) on a claim, a person subject to a civil penalty under paragraph (a)(1) of this section will also be subject to an assessment of not more than twice the amount of such claim (or portion of the claim) that is determined to constitute a false, fictitious, or fraudulent claim under paragraph (a)(1) of this section. The assessment will be in lieu of damages sustained by the FDIC because of the claims. , (6) The amount of any penalty assessed under paragraph (a)(1) of this section will be adjusted for inflation in accordance with \u00a7 308.132(d)., (7) The penalty specified in paragraph (a)(1) of this section is in addition to any other remedy allowable by law. , (b) Statements. (1) A person who submits to the FDIC a false, fictitious or fraudulent statement is subject to a civil penalty of up to $5,000 per statement. A statement is false, fictitious or fraudulent if the person submitting the statement to the FDIC knows, or has reason to know, that: , (i) The statement asserts a material fact which is false, fictitious, or fraudulent; or , (ii) The statement omits a material fact that the person making the statement has a duty to include in the statement; and , (iii) The statement contains or is accompanied by an express certification or affirmation of the truthfulness and accuracy of the contents of the statement. , (2) Each written representation, certification, or affirmation constitutes a separate statement. , (3) A statement will be considered made to the FDIC when the statement is actually made to an agent, fiscal intermediary, or other entity, including any state or political subdivision thereof, acting for or on behalf of the FDIC. , (4) The amount of any penalty assessed under paragraph (a)(1) of this section will be adjusted for inflation in accordance with \u00a7 308.132(d)., (5) The penalty specified in paragraph (a)(1) of this section is in addition to any other remedy allowable by law. , (c) Failure to file declaration/certification. Where, as a prerequisite to conducting business with the FDIC, a person is required by law to file one or more declarations and/or certifications, and the person intentionally fails to file such declaration/certification, the person will be subject to the civil penalties as prescribed by this subpart. , (d) Civil money penalties that are assessed under this subpart are subject to annual adjustments to account for inflation as required by the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015 (Pub. L. 114-74, sec. 701, 129 Stat. 584) (see also 12 CFR 308.132(d)(17))., (e) Liability. (1) In any case in which it is determined that more than one person is liable for making a claim or statement under this section, each such person may be held jointly and severally liable for a civil penalty under this section. , (2) In any case in which it is determined that more than one person is liable for making a claim under this section on which the FDIC has made payment (including transferred property or provided services), an assessment may be imposed against any such person or jointly and severally against any combination of such persons. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.502"],"section_title":["\u00a7 308.502 Basis for civil penalties and assessments."]},"_input_hash":-942642598,"_task_hash":-852831451,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711822065,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\""],"default":true},{"text":"(a) Claims. (1) A person who makes a false, fictitious, or fraudulent claim to the FDIC is subject to a civil penalty of up to $5,000 per claim. A claim is false, fictitious, or fraudulent if the person making the claim knows, or has reason to know, that: , (i) The claim is false, fictitious, or fraudulent; or , (ii) The claim includes, or is supported by, a written statement that asserts a material fact which is false, fictitious or fraudulent; or , (iii) The claim includes, or is supported by, a written statement that: , (A) Omits a material fact; and , (B) Is false, fictitious, or fraudulent as a result of that omission; and , (C) Is a statement in which the person making the statement has a duty to include the material fact; or , (iv) The claim seeks payment for providing property or services that the person has not provided as claimed. , (2) Each voucher, invoice, claim form, or other individual request or demand for property, services, or money constitutes a separate claim. , (3) A claim will be considered made to the FDIC, recipient, or party when the claim is actually made to an agent, fiscal intermediary, or other entity, including any state or political subdivision thereof, acting for or on behalf of the FDIC, recipient, or party. , (4) Each claim for property, services, or money that constitutes any one of the elements in paragraph (a)(1) of this section is subject to a civil penalty regardless of whether the property, services, or money is actually delivered or paid. , (5) If the FDIC has made any payment (including transferred property or provided services) on a claim, a person subject to a civil penalty under paragraph (a)(1) of this section will also be subject to an assessment of not more than twice the amount of such claim (or portion of the claim) that is determined to constitute a false, fictitious, or fraudulent claim under paragraph (a)(1) of this section. The assessment will be in lieu of damages sustained by the FDIC because of the claims. , (6) The amount of any penalty assessed under paragraph (a)(1) of this section will be adjusted for inflation in accordance with \u00a7 308.132(d)., (7) The penalty specified in paragraph (a)(1) of this section is in addition to any other remedy allowable by law. , (b) Statements. (1) A person who submits to the FDIC a false, fictitious or fraudulent statement is subject to a civil penalty of up to $5,000 per statement. A statement is false, fictitious or fraudulent if the person submitting the statement to the FDIC knows, or has reason to know, that: , (i) The statement asserts a material fact which is false, fictitious, or fraudulent; or , (ii) The statement omits a material fact that the person making the statement has a duty to include in the statement; and , (iii) The statement contains or is accompanied by an express certification or affirmation of the truthfulness and accuracy of the contents of the statement. , (2) Each written representation, certification, or affirmation constitutes a separate statement. , (3) A statement will be considered made to the FDIC when the statement is actually made to an agent, fiscal intermediary, or other entity, including any state or political subdivision thereof, acting for or on behalf of the FDIC. , (4) The amount of any penalty assessed under paragraph (a)(1) of this section will be adjusted for inflation in accordance with \u00a7 308.132(d)., (5) The penalty specified in paragraph (a)(1) of this section is in addition to any other remedy allowable by law. , (c) Failure to file declaration/certification. Where, as a prerequisite to conducting business with the FDIC, a person is required by law to file one or more declarations and/or certifications, and the person intentionally fails to file such declaration/certification, the person will be subject to the civil penalties as prescribed by this subpart. , (d) Civil money penalties that are assessed under this subpart are subject to annual adjustments to account for inflation as required by the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015 (Pub. L. 114-74, sec. 701, 129 Stat. 584) (see also 12 CFR 308.132(d)(17))., (e) Liability. (1) In any case in which it is determined that more than one person is liable for making a claim or statement under this section, each such person may be held jointly and severally liable for a civil penalty under this section. , (2) In any case in which it is determined that more than one person is liable for making a claim under this section on which the FDIC has made payment (including transferred property or provided services), an assessment may be imposed against any such person or jointly and severally against any combination of such persons. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.502"],"section_title":["\u00a7 308.502 Basis for civil penalties and assessments."]},"_input_hash":-942642598,"_task_hash":-1104949193,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711837624,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"As used in this part, (unless otherwise noted):, Board member means a member of the board of directors of a regulated entity., Board of directors means the board of directors of a regulated entity., Business risk means the risk of an adverse impact on a regulated entity's profitability resulting from external factors as may occur in both the short and long run., Community financial institution has the meaning set forth in \u00a7 1263.1 of this chapter., Compensation means any payment of money or the provision of any other thing of current or potential value in connection with employment or in connection with service as a director., Credit risk is the potential that a borrower or counterparty will fail to meet its financial obligations in accordance with agreed terms., Employee means an individual, other than an executive officer, who works part-time, full-time, or temporarily for a regulated entity., Executive officer means the chief executive officer, chief financial officer, chief operating officer, president, any executive vice president, any senior vice president, and any individual with similar responsibilities, without regard to title, who is in charge of a principal business unit, division, or function, or who reports directly to the chairperson, vice chairperson, chief operating officer, or chief executive officer or president of a regulated entity., Immediate family member means a parent, sibling, spouse, child, dependent, or any relative sharing the same residence., Internal auditor means the individual responsible for the internal audit function at a regulated entity., Liquidity risk means the risk that a regulated entity will be unable to meet its financial obligations as they come due or meet the credit needs of its members and associates in a timely and cost-efficient manner., Market risk means the risk that the market value, or estimated fair value if market value is not available, of a regulated entity's portfolio will decline as a result of changes in interest rates, foreign exchange rates, or equity or commodity prices., NYSE means the New York Stock Exchange., Operational risk means the risk of loss resulting from inadequate or failed internal processes, people, or systems, or from external events (including legal risk but excluding strategic and reputational risk)., Risk appetite means the aggregate level and types of risk the board of directors and management are willing to assume to achieve the regulated entity's strategic objectives and business plan, consistent with applicable capital, liquidity, and other regulatory requirements., Significant deficiency means a deficiency, or a combination of deficiencies, in internal control that is less severe than a material weakness, yet important enough to merit attention by those charged with governance.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - ENTITY REGULATIONS"],"part":["1239"],"part_title":["PART 1239 - RESPONSIBILITIES OF BOARDS OF DIRECTORS, CORPORATE PRACTICES, AND CORPORATE GOVERNANCE"],"section":["1239.2"],"section_title":["\u00a7 1239.2 Definitions."]},"_input_hash":1616509670,"_task_hash":-1653437800,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844073,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"As used in this part, (unless otherwise noted):, Board member means a member of the board of directors of a regulated entity., Board of directors means the board of directors of a regulated entity., Business risk means the risk of an adverse impact on a regulated entity's profitability resulting from external factors as may occur in both the short and long run., Community financial institution has the meaning set forth in \u00a7 1263.1 of this chapter., Compensation means any payment of money or the provision of any other thing of current or potential value in connection with employment or in connection with service as a director., Credit risk is the potential that a borrower or counterparty will fail to meet its financial obligations in accordance with agreed terms., Employee means an individual, other than an executive officer, who works part-time, full-time, or temporarily for a regulated entity., Executive officer means the chief executive officer, chief financial officer, chief operating officer, president, any executive vice president, any senior vice president, and any individual with similar responsibilities, without regard to title, who is in charge of a principal business unit, division, or function, or who reports directly to the chairperson, vice chairperson, chief operating officer, or chief executive officer or president of a regulated entity., Immediate family member means a parent, sibling, spouse, child, dependent, or any relative sharing the same residence., Internal auditor means the individual responsible for the internal audit function at a regulated entity., Liquidity risk means the risk that a regulated entity will be unable to meet its financial obligations as they come due or meet the credit needs of its members and associates in a timely and cost-efficient manner., Market risk means the risk that the market value, or estimated fair value if market value is not available, of a regulated entity's portfolio will decline as a result of changes in interest rates, foreign exchange rates, or equity or commodity prices., NYSE means the New York Stock Exchange., Operational risk means the risk of loss resulting from inadequate or failed internal processes, people, or systems, or from external events (including legal risk but excluding strategic and reputational risk)., Risk appetite means the aggregate level and types of risk the board of directors and management are willing to assume to achieve the regulated entity's strategic objectives and business plan, consistent with applicable capital, liquidity, and other regulatory requirements., Significant deficiency means a deficiency, or a combination of deficiencies, in internal control that is less severe than a material weakness, yet important enough to merit attention by those charged with governance.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - ENTITY REGULATIONS"],"part":["1239"],"part_title":["PART 1239 - RESPONSIBILITIES OF BOARDS OF DIRECTORS, CORPORATE PRACTICES, AND CORPORATE GOVERNANCE"],"section":["1239.2"],"section_title":["\u00a7 1239.2 Definitions."]},"_input_hash":1616509670,"_task_hash":-1653437800,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814132,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"As used in this part, (unless otherwise noted):, Board member means a member of the board of directors of a regulated entity., Board of directors means the board of directors of a regulated entity., Business risk means the risk of an adverse impact on a regulated entity's profitability resulting from external factors as may occur in both the short and long run., Community financial institution has the meaning set forth in \u00a7 1263.1 of this chapter., Compensation means any payment of money or the provision of any other thing of current or potential value in connection with employment or in connection with service as a director., Credit risk is the potential that a borrower or counterparty will fail to meet its financial obligations in accordance with agreed terms., Employee means an individual, other than an executive officer, who works part-time, full-time, or temporarily for a regulated entity., Executive officer means the chief executive officer, chief financial officer, chief operating officer, president, any executive vice president, any senior vice president, and any individual with similar responsibilities, without regard to title, who is in charge of a principal business unit, division, or function, or who reports directly to the chairperson, vice chairperson, chief operating officer, or chief executive officer or president of a regulated entity., Immediate family member means a parent, sibling, spouse, child, dependent, or any relative sharing the same residence., Internal auditor means the individual responsible for the internal audit function at a regulated entity., Liquidity risk means the risk that a regulated entity will be unable to meet its financial obligations as they come due or meet the credit needs of its members and associates in a timely and cost-efficient manner., Market risk means the risk that the market value, or estimated fair value if market value is not available, of a regulated entity's portfolio will decline as a result of changes in interest rates, foreign exchange rates, or equity or commodity prices., NYSE means the New York Stock Exchange., Operational risk means the risk of loss resulting from inadequate or failed internal processes, people, or systems, or from external events (including legal risk but excluding strategic and reputational risk)., Risk appetite means the aggregate level and types of risk the board of directors and management are willing to assume to achieve the regulated entity's strategic objectives and business plan, consistent with applicable capital, liquidity, and other regulatory requirements., Significant deficiency means a deficiency, or a combination of deficiencies, in internal control that is less severe than a material weakness, yet important enough to merit attention by those charged with governance.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - ENTITY REGULATIONS"],"part":["1239"],"part_title":["PART 1239 - RESPONSIBILITIES OF BOARDS OF DIRECTORS, CORPORATE PRACTICES, AND CORPORATE GOVERNANCE"],"section":["1239.2"],"section_title":["\u00a7 1239.2 Definitions."]},"_input_hash":1616509670,"_task_hash":1306208944,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711837668,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Regular way settlement and delivery versus payment basis. A Federal credit union may only contract for the purchase or sale of a security as long as the delivery of the security is by regular way settlement and the transaction is accomplished on a delivery versus payment basis. , (b) Federal funds. A Federal credit union may sell Federal funds to an institution described in Section 107(8) of the Act and credit unions, as long as the interest or other consideration received from the financial institution is at the market rate for Federal funds transactions. , (c) Investment repurchase transaction. A Federal credit union may enter into an investment repurchase transaction so long as: , (1) Any securities the Federal credit union receives are permissible investments for Federal credit unions, the Federal credit union, or its agent, either takes physical possession or control of the repurchase securities or is recorded as owner of them through the Federal Reserve Book Entry Securities Transfer System, the Federal credit union, or its agent, receives a daily assessment of their market value, including accrued interest, and the Federal credit union maintains adequate margins that reflect a risk assessment of the securities and the term of the transaction; and , (2) The Federal credit union has entered into signed contracts with all approved counterparties. , (d) Borrowing repurchase transaction. A Federal credit union may enter into a borrowing repurchase transaction so long as: , (1) The transaction meets the requirements of paragraph (c) of this section; , (2) Any cash the Federal credit union receives is subject to the borrowing limit specified in Section 107(9) of the Act, and any investments the Federal credit union purchases with that cash are permissible for Federal credit unions; and , (3) The investments referenced in paragraph (d)(2) of this section must mature under the following conditions:, (i) No later than the maturity of the borrowing repurchase transaction;, (ii) No later than thirty days after the borrowing repurchase transaction, unless authorized under \u00a7 703.20, provided the value of all investments purchased with maturities later than borrowing repurchase transactions does not exceed 100 percent of the federal credit union's net worth; or, (iii) At any time later than the maturity of the borrowing repurchase transaction, provided the value of all investments purchased with maturities later than borrowing repurchase transactions does not exceed 100 percent of the federal credit union's net worth and the credit union received a composite CAMEL rating of \u201c1\u201d or \u201c2\u201d for the last two (2) full examinations and maintained a capital classifications of \u201cwell capitalized\u201d under part 702 of this chapter for the six (6) immediately preceding quarters., (e) Securities lending transaction. A Federal credit union may enter into a securities lending transaction so long as: , (1) The Federal credit union receives written confirmation of the loan; , (2) Any collateral the Federal credit union receives is a legal investment for Federal credit unions, the Federal credit union, or its agent, obtains a first priority security interest in the collateral by taking physical possession or control of the collateral, or is recorded as owner of the collateral through the Federal Reserve Book Entry Securities Transfer System; and the Federal credit union, or its agent, receives a daily assessment of the market value of the collateral, including accrued interest, and maintains adequate margin that reflects a risk assessment of the collateral and the term of the loan; , (3) Any cash the Federal credit union receives is subject to the borrowing limit specified in Section 107(9) of the Act, and any investments the Federal credit union purchases with that cash are permissible for Federal credit unions and mature no later than the maturity of the transaction; and , (4) The Federal credit union has executed a written loan and security agreement with the borrower. , (f)(1) Trading securities. A Federal credit union may trade securities, including engaging in when-issued trading and pair-off transactions, so long as the Federal credit union can show that it has sufficient resources, knowledge, systems, and procedures to handle the risks. , (2) A Federal credit union must record any security it purchases or sells for trading purposes at fair value on the trade date. The trade date is the date the Federal credit union commits, orally or in writing, to purchase or sell a security. , (3) At least monthly, the Federal credit union must give its board of directors or investment-related committee a written report listing all purchase and sale transactions of trading securities and the resulting gain or loss on an individual basis. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["703"],"part_title":["PART 703 - INVESTMENT AND DEPOSIT ACTIVITIES"],"section":["703.13"],"section_title":["\u00a7 703.13 Permissible investment activities."]},"_input_hash":1280304889,"_task_hash":-42929859,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844085,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\""],"versions":[{"text":"(a) Regular way settlement and delivery versus payment basis. A Federal credit union may only contract for the purchase or sale of a security as long as the delivery of the security is by regular way settlement and the transaction is accomplished on a delivery versus payment basis. , (b) Federal funds. A Federal credit union may sell Federal funds to an institution described in Section 107(8) of the Act and credit unions, as long as the interest or other consideration received from the financial institution is at the market rate for Federal funds transactions. , (c) Investment repurchase transaction. A Federal credit union may enter into an investment repurchase transaction so long as: , (1) Any securities the Federal credit union receives are permissible investments for Federal credit unions, the Federal credit union, or its agent, either takes physical possession or control of the repurchase securities or is recorded as owner of them through the Federal Reserve Book Entry Securities Transfer System, the Federal credit union, or its agent, receives a daily assessment of their market value, including accrued interest, and the Federal credit union maintains adequate margins that reflect a risk assessment of the securities and the term of the transaction; and , (2) The Federal credit union has entered into signed contracts with all approved counterparties. , (d) Borrowing repurchase transaction. A Federal credit union may enter into a borrowing repurchase transaction so long as: , (1) The transaction meets the requirements of paragraph (c) of this section; , (2) Any cash the Federal credit union receives is subject to the borrowing limit specified in Section 107(9) of the Act, and any investments the Federal credit union purchases with that cash are permissible for Federal credit unions; and , (3) The investments referenced in paragraph (d)(2) of this section must mature under the following conditions:, (i) No later than the maturity of the borrowing repurchase transaction;, (ii) No later than thirty days after the borrowing repurchase transaction, unless authorized under \u00a7 703.20, provided the value of all investments purchased with maturities later than borrowing repurchase transactions does not exceed 100 percent of the federal credit union's net worth; or, (iii) At any time later than the maturity of the borrowing repurchase transaction, provided the value of all investments purchased with maturities later than borrowing repurchase transactions does not exceed 100 percent of the federal credit union's net worth and the credit union received a composite CAMEL rating of \u201c1\u201d or \u201c2\u201d for the last two (2) full examinations and maintained a capital classifications of \u201cwell capitalized\u201d under part 702 of this chapter for the six (6) immediately preceding quarters., (e) Securities lending transaction. A Federal credit union may enter into a securities lending transaction so long as: , (1) The Federal credit union receives written confirmation of the loan; , (2) Any collateral the Federal credit union receives is a legal investment for Federal credit unions, the Federal credit union, or its agent, obtains a first priority security interest in the collateral by taking physical possession or control of the collateral, or is recorded as owner of the collateral through the Federal Reserve Book Entry Securities Transfer System; and the Federal credit union, or its agent, receives a daily assessment of the market value of the collateral, including accrued interest, and maintains adequate margin that reflects a risk assessment of the collateral and the term of the loan; , (3) Any cash the Federal credit union receives is subject to the borrowing limit specified in Section 107(9) of the Act, and any investments the Federal credit union purchases with that cash are permissible for Federal credit unions and mature no later than the maturity of the transaction; and , (4) The Federal credit union has executed a written loan and security agreement with the borrower. , (f)(1) Trading securities. A Federal credit union may trade securities, including engaging in when-issued trading and pair-off transactions, so long as the Federal credit union can show that it has sufficient resources, knowledge, systems, and procedures to handle the risks. , (2) A Federal credit union must record any security it purchases or sells for trading purposes at fair value on the trade date. The trade date is the date the Federal credit union commits, orally or in writing, to purchase or sell a security. , (3) At least monthly, the Federal credit union must give its board of directors or investment-related committee a written report listing all purchase and sale transactions of trading securities and the resulting gain or loss on an individual basis. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["703"],"part_title":["PART 703 - INVESTMENT AND DEPOSIT ACTIVITIES"],"section":["703.13"],"section_title":["\u00a7 703.13 Permissible investment activities."]},"_input_hash":1280304889,"_task_hash":-42929859,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814202,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":true},{"text":"(a) Regular way settlement and delivery versus payment basis. A Federal credit union may only contract for the purchase or sale of a security as long as the delivery of the security is by regular way settlement and the transaction is accomplished on a delivery versus payment basis. , (b) Federal funds. A Federal credit union may sell Federal funds to an institution described in Section 107(8) of the Act and credit unions, as long as the interest or other consideration received from the financial institution is at the market rate for Federal funds transactions. , (c) Investment repurchase transaction. A Federal credit union may enter into an investment repurchase transaction so long as: , (1) Any securities the Federal credit union receives are permissible investments for Federal credit unions, the Federal credit union, or its agent, either takes physical possession or control of the repurchase securities or is recorded as owner of them through the Federal Reserve Book Entry Securities Transfer System, the Federal credit union, or its agent, receives a daily assessment of their market value, including accrued interest, and the Federal credit union maintains adequate margins that reflect a risk assessment of the securities and the term of the transaction; and , (2) The Federal credit union has entered into signed contracts with all approved counterparties. , (d) Borrowing repurchase transaction. A Federal credit union may enter into a borrowing repurchase transaction so long as: , (1) The transaction meets the requirements of paragraph (c) of this section; , (2) Any cash the Federal credit union receives is subject to the borrowing limit specified in Section 107(9) of the Act, and any investments the Federal credit union purchases with that cash are permissible for Federal credit unions; and , (3) The investments referenced in paragraph (d)(2) of this section must mature under the following conditions:, (i) No later than the maturity of the borrowing repurchase transaction;, (ii) No later than thirty days after the borrowing repurchase transaction, unless authorized under \u00a7 703.20, provided the value of all investments purchased with maturities later than borrowing repurchase transactions does not exceed 100 percent of the federal credit union's net worth; or, (iii) At any time later than the maturity of the borrowing repurchase transaction, provided the value of all investments purchased with maturities later than borrowing repurchase transactions does not exceed 100 percent of the federal credit union's net worth and the credit union received a composite CAMEL rating of \u201c1\u201d or \u201c2\u201d for the last two (2) full examinations and maintained a capital classifications of \u201cwell capitalized\u201d under part 702 of this chapter for the six (6) immediately preceding quarters., (e) Securities lending transaction. A Federal credit union may enter into a securities lending transaction so long as: , (1) The Federal credit union receives written confirmation of the loan; , (2) Any collateral the Federal credit union receives is a legal investment for Federal credit unions, the Federal credit union, or its agent, obtains a first priority security interest in the collateral by taking physical possession or control of the collateral, or is recorded as owner of the collateral through the Federal Reserve Book Entry Securities Transfer System; and the Federal credit union, or its agent, receives a daily assessment of the market value of the collateral, including accrued interest, and maintains adequate margin that reflects a risk assessment of the collateral and the term of the loan; , (3) Any cash the Federal credit union receives is subject to the borrowing limit specified in Section 107(9) of the Act, and any investments the Federal credit union purchases with that cash are permissible for Federal credit unions and mature no later than the maturity of the transaction; and , (4) The Federal credit union has executed a written loan and security agreement with the borrower. , (f)(1) Trading securities. A Federal credit union may trade securities, including engaging in when-issued trading and pair-off transactions, so long as the Federal credit union can show that it has sufficient resources, knowledge, systems, and procedures to handle the risks. , (2) A Federal credit union must record any security it purchases or sells for trading purposes at fair value on the trade date. The trade date is the date the Federal credit union commits, orally or in writing, to purchase or sell a security. , (3) At least monthly, the Federal credit union must give its board of directors or investment-related committee a written report listing all purchase and sale transactions of trading securities and the resulting gain or loss on an individual basis. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["703"],"part_title":["PART 703 - INVESTMENT AND DEPOSIT ACTIVITIES"],"section":["703.13"],"section_title":["\u00a7 703.13 Permissible investment activities."]},"_input_hash":1280304889,"_task_hash":-1446712662,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711822132,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) Regular way settlement and delivery versus payment basis. A Federal credit union may only contract for the purchase or sale of a security as long as the delivery of the security is by regular way settlement and the transaction is accomplished on a delivery versus payment basis. , (b) Federal funds. A Federal credit union may sell Federal funds to an institution described in Section 107(8) of the Act and credit unions, as long as the interest or other consideration received from the financial institution is at the market rate for Federal funds transactions. , (c) Investment repurchase transaction. A Federal credit union may enter into an investment repurchase transaction so long as: , (1) Any securities the Federal credit union receives are permissible investments for Federal credit unions, the Federal credit union, or its agent, either takes physical possession or control of the repurchase securities or is recorded as owner of them through the Federal Reserve Book Entry Securities Transfer System, the Federal credit union, or its agent, receives a daily assessment of their market value, including accrued interest, and the Federal credit union maintains adequate margins that reflect a risk assessment of the securities and the term of the transaction; and , (2) The Federal credit union has entered into signed contracts with all approved counterparties. , (d) Borrowing repurchase transaction. A Federal credit union may enter into a borrowing repurchase transaction so long as: , (1) The transaction meets the requirements of paragraph (c) of this section; , (2) Any cash the Federal credit union receives is subject to the borrowing limit specified in Section 107(9) of the Act, and any investments the Federal credit union purchases with that cash are permissible for Federal credit unions; and , (3) The investments referenced in paragraph (d)(2) of this section must mature under the following conditions:, (i) No later than the maturity of the borrowing repurchase transaction;, (ii) No later than thirty days after the borrowing repurchase transaction, unless authorized under \u00a7 703.20, provided the value of all investments purchased with maturities later than borrowing repurchase transactions does not exceed 100 percent of the federal credit union's net worth; or, (iii) At any time later than the maturity of the borrowing repurchase transaction, provided the value of all investments purchased with maturities later than borrowing repurchase transactions does not exceed 100 percent of the federal credit union's net worth and the credit union received a composite CAMEL rating of \u201c1\u201d or \u201c2\u201d for the last two (2) full examinations and maintained a capital classifications of \u201cwell capitalized\u201d under part 702 of this chapter for the six (6) immediately preceding quarters., (e) Securities lending transaction. A Federal credit union may enter into a securities lending transaction so long as: , (1) The Federal credit union receives written confirmation of the loan; , (2) Any collateral the Federal credit union receives is a legal investment for Federal credit unions, the Federal credit union, or its agent, obtains a first priority security interest in the collateral by taking physical possession or control of the collateral, or is recorded as owner of the collateral through the Federal Reserve Book Entry Securities Transfer System; and the Federal credit union, or its agent, receives a daily assessment of the market value of the collateral, including accrued interest, and maintains adequate margin that reflects a risk assessment of the collateral and the term of the loan; , (3) Any cash the Federal credit union receives is subject to the borrowing limit specified in Section 107(9) of the Act, and any investments the Federal credit union purchases with that cash are permissible for Federal credit unions and mature no later than the maturity of the transaction; and , (4) The Federal credit union has executed a written loan and security agreement with the borrower. , (f)(1) Trading securities. A Federal credit union may trade securities, including engaging in when-issued trading and pair-off transactions, so long as the Federal credit union can show that it has sufficient resources, knowledge, systems, and procedures to handle the risks. , (2) A Federal credit union must record any security it purchases or sells for trading purposes at fair value on the trade date. The trade date is the date the Federal credit union commits, orally or in writing, to purchase or sell a security. , (3) At least monthly, the Federal credit union must give its board of directors or investment-related committee a written report listing all purchase and sale transactions of trading securities and the resulting gain or loss on an individual basis. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["703"],"part_title":["PART 703 - INVESTMENT AND DEPOSIT ACTIVITIES"],"section":["703.13"],"section_title":["\u00a7 703.13 Permissible investment activities."]},"_input_hash":1280304889,"_task_hash":1935520208,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829741,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false},{"text":"(a) Regular way settlement and delivery versus payment basis. A Federal credit union may only contract for the purchase or sale of a security as long as the delivery of the security is by regular way settlement and the transaction is accomplished on a delivery versus payment basis. , (b) Federal funds. A Federal credit union may sell Federal funds to an institution described in Section 107(8) of the Act and credit unions, as long as the interest or other consideration received from the financial institution is at the market rate for Federal funds transactions. , (c) Investment repurchase transaction. A Federal credit union may enter into an investment repurchase transaction so long as: , (1) Any securities the Federal credit union receives are permissible investments for Federal credit unions, the Federal credit union, or its agent, either takes physical possession or control of the repurchase securities or is recorded as owner of them through the Federal Reserve Book Entry Securities Transfer System, the Federal credit union, or its agent, receives a daily assessment of their market value, including accrued interest, and the Federal credit union maintains adequate margins that reflect a risk assessment of the securities and the term of the transaction; and , (2) The Federal credit union has entered into signed contracts with all approved counterparties. , (d) Borrowing repurchase transaction. A Federal credit union may enter into a borrowing repurchase transaction so long as: , (1) The transaction meets the requirements of paragraph (c) of this section; , (2) Any cash the Federal credit union receives is subject to the borrowing limit specified in Section 107(9) of the Act, and any investments the Federal credit union purchases with that cash are permissible for Federal credit unions; and , (3) The investments referenced in paragraph (d)(2) of this section must mature under the following conditions:, (i) No later than the maturity of the borrowing repurchase transaction;, (ii) No later than thirty days after the borrowing repurchase transaction, unless authorized under \u00a7 703.20, provided the value of all investments purchased with maturities later than borrowing repurchase transactions does not exceed 100 percent of the federal credit union's net worth; or, (iii) At any time later than the maturity of the borrowing repurchase transaction, provided the value of all investments purchased with maturities later than borrowing repurchase transactions does not exceed 100 percent of the federal credit union's net worth and the credit union received a composite CAMEL rating of \u201c1\u201d or \u201c2\u201d for the last two (2) full examinations and maintained a capital classifications of \u201cwell capitalized\u201d under part 702 of this chapter for the six (6) immediately preceding quarters., (e) Securities lending transaction. A Federal credit union may enter into a securities lending transaction so long as: , (1) The Federal credit union receives written confirmation of the loan; , (2) Any collateral the Federal credit union receives is a legal investment for Federal credit unions, the Federal credit union, or its agent, obtains a first priority security interest in the collateral by taking physical possession or control of the collateral, or is recorded as owner of the collateral through the Federal Reserve Book Entry Securities Transfer System; and the Federal credit union, or its agent, receives a daily assessment of the market value of the collateral, including accrued interest, and maintains adequate margin that reflects a risk assessment of the collateral and the term of the loan; , (3) Any cash the Federal credit union receives is subject to the borrowing limit specified in Section 107(9) of the Act, and any investments the Federal credit union purchases with that cash are permissible for Federal credit unions and mature no later than the maturity of the transaction; and , (4) The Federal credit union has executed a written loan and security agreement with the borrower. , (f)(1) Trading securities. A Federal credit union may trade securities, including engaging in when-issued trading and pair-off transactions, so long as the Federal credit union can show that it has sufficient resources, knowledge, systems, and procedures to handle the risks. , (2) A Federal credit union must record any security it purchases or sells for trading purposes at fair value on the trade date. The trade date is the date the Federal credit union commits, orally or in writing, to purchase or sell a security. , (3) At least monthly, the Federal credit union must give its board of directors or investment-related committee a written report listing all purchase and sale transactions of trading securities and the resulting gain or loss on an individual basis. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["703"],"part_title":["PART 703 - INVESTMENT AND DEPOSIT ACTIVITIES"],"section":["703.13"],"section_title":["\u00a7 703.13 Permissible investment activities."]},"_input_hash":1280304889,"_task_hash":-1264997748,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711837761,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"When a Farm Credit bank or association determines that it has a significant or material event, the institution must prepare and provide to its shareholders and the Farm Credit Administration a notice disclosing the event(s)., (a) Each bank and association board of directors must establish and maintain a policy identifying the categories and types of events that may result in a notice under this section. At a minimum, events covered under this provision include significant events defined in \u00a7 620.1(q) and material events defined in \u00a7 620.1(h). The policy must identify how the significance or materiality of an event will be determined., (b) A notice issued under this section must be made as soon as possible, but not later than 90 days after occurrence of the event., (1) Each institution must electronically provide the notice to the Farm Credit Administration at the same time as distribution of the notice to shareholders., (2) Delivery of the notice to shareholders may be accomplished by direct communications with the shareholders, posting the notice on the institution's Web site, as part of the quarterly report to shareholders, or by publishing the notice in any publication with circulation wide enough to reasonably assure that all of the institution's shareholders have access to the information in a timely manner. No matter how the notice is distributed, it must comply with all the provisions of this section., (c) Every notice must be dated and signed in a manner similar to the requirements of \u00a7 620.3(b)., (d) The information required to be included in a notice issued under this section must be conspicuous, easily understandable, complete, accurate, and not misleading., (e) A Farm Credit System institution may be required to issue a notice under this section at the direction of the Farm Credit Administration.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["620"],"part_title":["PART 620 - DISCLOSURE TO SHAREHOLDERS"],"section":["620.15"],"section_title":["\u00a7 620.15 Notice of significant or material events."]},"_input_hash":-166916640,"_task_hash":-1088065344,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844086,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"When a Farm Credit bank or association determines that it has a significant or material event, the institution must prepare and provide to its shareholders and the Farm Credit Administration a notice disclosing the event(s)., (a) Each bank and association board of directors must establish and maintain a policy identifying the categories and types of events that may result in a notice under this section. At a minimum, events covered under this provision include significant events defined in \u00a7 620.1(q) and material events defined in \u00a7 620.1(h). The policy must identify how the significance or materiality of an event will be determined., (b) A notice issued under this section must be made as soon as possible, but not later than 90 days after occurrence of the event., (1) Each institution must electronically provide the notice to the Farm Credit Administration at the same time as distribution of the notice to shareholders., (2) Delivery of the notice to shareholders may be accomplished by direct communications with the shareholders, posting the notice on the institution's Web site, as part of the quarterly report to shareholders, or by publishing the notice in any publication with circulation wide enough to reasonably assure that all of the institution's shareholders have access to the information in a timely manner. No matter how the notice is distributed, it must comply with all the provisions of this section., (c) Every notice must be dated and signed in a manner similar to the requirements of \u00a7 620.3(b)., (d) The information required to be included in a notice issued under this section must be conspicuous, easily understandable, complete, accurate, and not misleading., (e) A Farm Credit System institution may be required to issue a notice under this section at the direction of the Farm Credit Administration.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["620"],"part_title":["PART 620 - DISCLOSURE TO SHAREHOLDERS"],"section":["620.15"],"section_title":["\u00a7 620.15 Notice of significant or material events."]},"_input_hash":-166916640,"_task_hash":-1088065344,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814223,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"When a Farm Credit bank or association determines that it has a significant or material event, the institution must prepare and provide to its shareholders and the Farm Credit Administration a notice disclosing the event(s)., (a) Each bank and association board of directors must establish and maintain a policy identifying the categories and types of events that may result in a notice under this section. At a minimum, events covered under this provision include significant events defined in \u00a7 620.1(q) and material events defined in \u00a7 620.1(h). The policy must identify how the significance or materiality of an event will be determined., (b) A notice issued under this section must be made as soon as possible, but not later than 90 days after occurrence of the event., (1) Each institution must electronically provide the notice to the Farm Credit Administration at the same time as distribution of the notice to shareholders., (2) Delivery of the notice to shareholders may be accomplished by direct communications with the shareholders, posting the notice on the institution's Web site, as part of the quarterly report to shareholders, or by publishing the notice in any publication with circulation wide enough to reasonably assure that all of the institution's shareholders have access to the information in a timely manner. No matter how the notice is distributed, it must comply with all the provisions of this section., (c) Every notice must be dated and signed in a manner similar to the requirements of \u00a7 620.3(b)., (d) The information required to be included in a notice issued under this section must be conspicuous, easily understandable, complete, accurate, and not misleading., (e) A Farm Credit System institution may be required to issue a notice under this section at the direction of the Farm Credit Administration.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["620"],"part_title":["PART 620 - DISCLOSURE TO SHAREHOLDERS"],"section":["620.15"],"section_title":["\u00a7 620.15 Notice of significant or material events."]},"_input_hash":-166916640,"_task_hash":690817135,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711822158,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"When a Farm Credit bank or association determines that it has a significant or material event, the institution must prepare and provide to its shareholders and the Farm Credit Administration a notice disclosing the event(s)., (a) Each bank and association board of directors must establish and maintain a policy identifying the categories and types of events that may result in a notice under this section. At a minimum, events covered under this provision include significant events defined in \u00a7 620.1(q) and material events defined in \u00a7 620.1(h). The policy must identify how the significance or materiality of an event will be determined., (b) A notice issued under this section must be made as soon as possible, but not later than 90 days after occurrence of the event., (1) Each institution must electronically provide the notice to the Farm Credit Administration at the same time as distribution of the notice to shareholders., (2) Delivery of the notice to shareholders may be accomplished by direct communications with the shareholders, posting the notice on the institution's Web site, as part of the quarterly report to shareholders, or by publishing the notice in any publication with circulation wide enough to reasonably assure that all of the institution's shareholders have access to the information in a timely manner. No matter how the notice is distributed, it must comply with all the provisions of this section., (c) Every notice must be dated and signed in a manner similar to the requirements of \u00a7 620.3(b)., (d) The information required to be included in a notice issued under this section must be conspicuous, easily understandable, complete, accurate, and not misleading., (e) A Farm Credit System institution may be required to issue a notice under this section at the direction of the Farm Credit Administration.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["620"],"part_title":["PART 620 - DISCLOSURE TO SHAREHOLDERS"],"section":["620.15"],"section_title":["\u00a7 620.15 Notice of significant or material events."]},"_input_hash":-166916640,"_task_hash":2078746200,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711837773,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"For text of the interpretation on Federal credit unions, see 12 CFR 220.110.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["221"],"part_title":["PART 221 - CREDIT BY BANKS AND PERSONS OTHER THAN BROKERS OR DEALERS FOR THE PURPOSE OF PURCHASING OR CARRYING MARGIN STOCK (REGULATION U)"],"section":["221.104"],"section_title":["\u00a7 221.104 Federal credit unions."]},"_input_hash":1078630468,"_task_hash":-1626745028,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844089,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"For text of the interpretation on Federal credit unions, see 12 CFR 220.110.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["221"],"part_title":["PART 221 - CREDIT BY BANKS AND PERSONS OTHER THAN BROKERS OR DEALERS FOR THE PURPOSE OF PURCHASING OR CARRYING MARGIN STOCK (REGULATION U)"],"section":["221.104"],"section_title":["\u00a7 221.104 Federal credit unions."]},"_input_hash":1078630468,"_task_hash":-1626745028,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814280,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"For text of the interpretation on Federal credit unions, see 12 CFR 220.110.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["221"],"part_title":["PART 221 - CREDIT BY BANKS AND PERSONS OTHER THAN BROKERS OR DEALERS FOR THE PURPOSE OF PURCHASING OR CARRYING MARGIN STOCK (REGULATION U)"],"section":["221.104"],"section_title":["\u00a7 221.104 Federal credit unions."]},"_input_hash":1078630468,"_task_hash":-2103326032,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711837791,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Definitions. For purposes of this part, the following definitions apply: , (1) International banking facility or IBF means a set of asset and liability accounts segregated on the books and records of a depository institution, United States branch or agency of a foreign bank, or an Edge or Agreement Corporation that includes only international banking facility time deposits and international banking facility extensions of credit., (2) International banking facility time deposit or IBF time deposit means a deposit, placement, borrowing or similar obligation represented by a promissory note, acknowledgment of advance, or similar instrument that is not issued in negotiable or bearer form, and, (i)(A) That must remain on deposit at the IBF at least overnight; and, (B) That is issued to, (1) Any office located outside the United States of another depository institution organized under the laws of the United States or of an Edge or Agreement Corporation;, (2) Any office located outside the United States of a foreign bank;, (3) A United States office or a non-United States office of the entity establishing the IBF;, (4) Another IBF; or, (5) A foreign national government, or an agency or instrumentality thereof, 10 engaged principally in activities which are ordinarily performed in the United States by governmental entities; an international entity of which the United States is a member; or any other foreign international or supranational entity specifically designated by the Board;11 or , 10 Other than states, provinces, municipalities, or other regional or local governmental units or agencies or instrumentalities thereof., 11 The designated entities are specified in 12 CFR 204.125., (ii) (A) That is payable, (1) On a specified date not less than two business days after the date of deposit;, (2) Upon expiration of a specified period of time not less than two business days after the date of deposit; or , (3) Upon written notice that actually is required to be given by the depositor not less than two business days prior to the date of withdrawal;, (B) That represents funds deposited to the credit of a non-United States resident or a foreign branch, office, subsidiary, affiliate, or other foreign establishment (foreign affiliate) controlled by one or more domestic corporations provided that such funds are used only to support the operations outside the United States of the depositor or of its affiliates located outside the United States; and, (C) That is maintained under an agreement or arrangement under which no deposit or withdrawal of less than $100,000 is permitted, except that a withdrawal of less than $100,000 is permitted if such withdrawal closes an account., (3) International banking facility extension of credit or IBF loan means any transaction where an IBF supplies funds by making a loan, or placing funds in a deposit account. Such transactions may be represented by a promissory note, security, acknowledgment of advance, due bill, repurchase agreement, or any other form of credit transaction. Such credit may be extended only to:, (i) Any office located outside the United States of another depository institution organized under the laws of the United States or of an Edge or Agreement Corporation;, (ii) Any office located outside the United States of a foreign bank;, (iii) A United States or a non-United States office of the institution establishing the IBF;, (iv) Another IBF;, (v) A foreign national government, or an agency or instrumentality thereof, 12 engaged principally in activities which are ordinarily performed in the United States by governmental entities; an international entity of which the United States is a member; or any other foreign international or supranational entity specifically designated by the Board; 13 or, 12 See footnote 10., 13 See footnote 11., (vi) A non-United States resident or a foreign branch, office, subsidiary, affiliate or other foreign establishment (foreign affiliate) controlled by one or more domestic corporations provided that the funds are used only to finance the operations outside the United States of the borrower or of its affiliates located outside the United States., (b) Acknowledgment of use of IBF deposits and extensions of credit. An IBF shall provide written notice to each of its customers (other than those specified in \u00a7 204.8(a)(2)(i)(B) and \u00a7 204.8(a)(3) (i) through (v)) at the time a deposit relationship or a credit relationship is first established that it is the policy of the Board of Governors of the Federal Reserve System that deposits received by international banking facilities may be used only to support the depositor's operations outside the United States as specified in \u00a7 204.8(a)(2)(ii)(B) and that extensions of credit by IBFs may be used only to finance operations outside of the United States as specified in \u00a7 204.8(a)(3)(vi). In the case of loans to or deposits from foreign affiliates of U.S. residents, receipt of such notice must be acknowledged in writing whenever a deposit or credit relationship is first established with the IBF., (c) Exemption from reserve requirements. An institution that is subject to the reserve requirements of this part is not required to maintain reserves against its IBF time deposits or IBF loans. Deposit-taking activities of IBFs are limited to accepting only IBF time deposits and lending activities of IBFs are restricted to making only IBF loans., (d) Establishment of an international banking facility. A depository institution, an Edge or Agreement Corporation or a United States branch or agency of a foreign bank may establish an IBF in any location where it is legally authorized to engage in IBF business. However, only one IBF may be established for each reporting entity that is required to submit a Report of Transaction Accounts, Other Deposits and Vault Cash (Form FR 2900)., (e) Notification to Federal Reserve. At least fourteen days prior to the first reserve computation period that an institution intends to establish an IBF it shall notify the Federal Reserve Bank of the district in which it is located of its intent. Such notification shall include a statement of intention by the institution that it will comply with the rules of this part concerning IBFs, including restrictions on sources and uses of funds, and recordkeeping and accounting requirements. Failure to comply with the requirements of this part shall subject the institution to reserve requirements under this part or result in the revocation of the institution's ability to operate an IBF., (f) Recordkeeping requirements. A depository institution shall segregate on its books and records the asset and liability accounts of its IBF and submit reports concerning the operations of its IBF as required by the Board.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["204"],"part_title":["PART 204 - RESERVE REQUIREMENTS OF DEPOSITORY INSTITUTIONS (REGULATION D)"],"section":["204.8"],"section_title":["\u00a7 204.8 International banking facilities."]},"_input_hash":-1776085545,"_task_hash":1113253067,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844092,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Definitions. For purposes of this part, the following definitions apply: , (1) International banking facility or IBF means a set of asset and liability accounts segregated on the books and records of a depository institution, United States branch or agency of a foreign bank, or an Edge or Agreement Corporation that includes only international banking facility time deposits and international banking facility extensions of credit., (2) International banking facility time deposit or IBF time deposit means a deposit, placement, borrowing or similar obligation represented by a promissory note, acknowledgment of advance, or similar instrument that is not issued in negotiable or bearer form, and, (i)(A) That must remain on deposit at the IBF at least overnight; and, (B) That is issued to, (1) Any office located outside the United States of another depository institution organized under the laws of the United States or of an Edge or Agreement Corporation;, (2) Any office located outside the United States of a foreign bank;, (3) A United States office or a non-United States office of the entity establishing the IBF;, (4) Another IBF; or, (5) A foreign national government, or an agency or instrumentality thereof, 10 engaged principally in activities which are ordinarily performed in the United States by governmental entities; an international entity of which the United States is a member; or any other foreign international or supranational entity specifically designated by the Board;11 or , 10 Other than states, provinces, municipalities, or other regional or local governmental units or agencies or instrumentalities thereof., 11 The designated entities are specified in 12 CFR 204.125., (ii) (A) That is payable, (1) On a specified date not less than two business days after the date of deposit;, (2) Upon expiration of a specified period of time not less than two business days after the date of deposit; or , (3) Upon written notice that actually is required to be given by the depositor not less than two business days prior to the date of withdrawal;, (B) That represents funds deposited to the credit of a non-United States resident or a foreign branch, office, subsidiary, affiliate, or other foreign establishment (foreign affiliate) controlled by one or more domestic corporations provided that such funds are used only to support the operations outside the United States of the depositor or of its affiliates located outside the United States; and, (C) That is maintained under an agreement or arrangement under which no deposit or withdrawal of less than $100,000 is permitted, except that a withdrawal of less than $100,000 is permitted if such withdrawal closes an account., (3) International banking facility extension of credit or IBF loan means any transaction where an IBF supplies funds by making a loan, or placing funds in a deposit account. Such transactions may be represented by a promissory note, security, acknowledgment of advance, due bill, repurchase agreement, or any other form of credit transaction. Such credit may be extended only to:, (i) Any office located outside the United States of another depository institution organized under the laws of the United States or of an Edge or Agreement Corporation;, (ii) Any office located outside the United States of a foreign bank;, (iii) A United States or a non-United States office of the institution establishing the IBF;, (iv) Another IBF;, (v) A foreign national government, or an agency or instrumentality thereof, 12 engaged principally in activities which are ordinarily performed in the United States by governmental entities; an international entity of which the United States is a member; or any other foreign international or supranational entity specifically designated by the Board; 13 or, 12 See footnote 10., 13 See footnote 11., (vi) A non-United States resident or a foreign branch, office, subsidiary, affiliate or other foreign establishment (foreign affiliate) controlled by one or more domestic corporations provided that the funds are used only to finance the operations outside the United States of the borrower or of its affiliates located outside the United States., (b) Acknowledgment of use of IBF deposits and extensions of credit. An IBF shall provide written notice to each of its customers (other than those specified in \u00a7 204.8(a)(2)(i)(B) and \u00a7 204.8(a)(3) (i) through (v)) at the time a deposit relationship or a credit relationship is first established that it is the policy of the Board of Governors of the Federal Reserve System that deposits received by international banking facilities may be used only to support the depositor's operations outside the United States as specified in \u00a7 204.8(a)(2)(ii)(B) and that extensions of credit by IBFs may be used only to finance operations outside of the United States as specified in \u00a7 204.8(a)(3)(vi). In the case of loans to or deposits from foreign affiliates of U.S. residents, receipt of such notice must be acknowledged in writing whenever a deposit or credit relationship is first established with the IBF., (c) Exemption from reserve requirements. An institution that is subject to the reserve requirements of this part is not required to maintain reserves against its IBF time deposits or IBF loans. Deposit-taking activities of IBFs are limited to accepting only IBF time deposits and lending activities of IBFs are restricted to making only IBF loans., (d) Establishment of an international banking facility. A depository institution, an Edge or Agreement Corporation or a United States branch or agency of a foreign bank may establish an IBF in any location where it is legally authorized to engage in IBF business. However, only one IBF may be established for each reporting entity that is required to submit a Report of Transaction Accounts, Other Deposits and Vault Cash (Form FR 2900)., (e) Notification to Federal Reserve. At least fourteen days prior to the first reserve computation period that an institution intends to establish an IBF it shall notify the Federal Reserve Bank of the district in which it is located of its intent. Such notification shall include a statement of intention by the institution that it will comply with the rules of this part concerning IBFs, including restrictions on sources and uses of funds, and recordkeeping and accounting requirements. Failure to comply with the requirements of this part shall subject the institution to reserve requirements under this part or result in the revocation of the institution's ability to operate an IBF., (f) Recordkeeping requirements. A depository institution shall segregate on its books and records the asset and liability accounts of its IBF and submit reports concerning the operations of its IBF as required by the Board.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["204"],"part_title":["PART 204 - RESERVE REQUIREMENTS OF DEPOSITORY INSTITUTIONS (REGULATION D)"],"section":["204.8"],"section_title":["\u00a7 204.8 International banking facilities."]},"_input_hash":-1776085545,"_task_hash":1113253067,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814311,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Definitions. For purposes of this part, the following definitions apply: , (1) International banking facility or IBF means a set of asset and liability accounts segregated on the books and records of a depository institution, United States branch or agency of a foreign bank, or an Edge or Agreement Corporation that includes only international banking facility time deposits and international banking facility extensions of credit., (2) International banking facility time deposit or IBF time deposit means a deposit, placement, borrowing or similar obligation represented by a promissory note, acknowledgment of advance, or similar instrument that is not issued in negotiable or bearer form, and, (i)(A) That must remain on deposit at the IBF at least overnight; and, (B) That is issued to, (1) Any office located outside the United States of another depository institution organized under the laws of the United States or of an Edge or Agreement Corporation;, (2) Any office located outside the United States of a foreign bank;, (3) A United States office or a non-United States office of the entity establishing the IBF;, (4) Another IBF; or, (5) A foreign national government, or an agency or instrumentality thereof, 10 engaged principally in activities which are ordinarily performed in the United States by governmental entities; an international entity of which the United States is a member; or any other foreign international or supranational entity specifically designated by the Board;11 or , 10 Other than states, provinces, municipalities, or other regional or local governmental units or agencies or instrumentalities thereof., 11 The designated entities are specified in 12 CFR 204.125., (ii) (A) That is payable, (1) On a specified date not less than two business days after the date of deposit;, (2) Upon expiration of a specified period of time not less than two business days after the date of deposit; or , (3) Upon written notice that actually is required to be given by the depositor not less than two business days prior to the date of withdrawal;, (B) That represents funds deposited to the credit of a non-United States resident or a foreign branch, office, subsidiary, affiliate, or other foreign establishment (foreign affiliate) controlled by one or more domestic corporations provided that such funds are used only to support the operations outside the United States of the depositor or of its affiliates located outside the United States; and, (C) That is maintained under an agreement or arrangement under which no deposit or withdrawal of less than $100,000 is permitted, except that a withdrawal of less than $100,000 is permitted if such withdrawal closes an account., (3) International banking facility extension of credit or IBF loan means any transaction where an IBF supplies funds by making a loan, or placing funds in a deposit account. Such transactions may be represented by a promissory note, security, acknowledgment of advance, due bill, repurchase agreement, or any other form of credit transaction. Such credit may be extended only to:, (i) Any office located outside the United States of another depository institution organized under the laws of the United States or of an Edge or Agreement Corporation;, (ii) Any office located outside the United States of a foreign bank;, (iii) A United States or a non-United States office of the institution establishing the IBF;, (iv) Another IBF;, (v) A foreign national government, or an agency or instrumentality thereof, 12 engaged principally in activities which are ordinarily performed in the United States by governmental entities; an international entity of which the United States is a member; or any other foreign international or supranational entity specifically designated by the Board; 13 or, 12 See footnote 10., 13 See footnote 11., (vi) A non-United States resident or a foreign branch, office, subsidiary, affiliate or other foreign establishment (foreign affiliate) controlled by one or more domestic corporations provided that the funds are used only to finance the operations outside the United States of the borrower or of its affiliates located outside the United States., (b) Acknowledgment of use of IBF deposits and extensions of credit. An IBF shall provide written notice to each of its customers (other than those specified in \u00a7 204.8(a)(2)(i)(B) and \u00a7 204.8(a)(3) (i) through (v)) at the time a deposit relationship or a credit relationship is first established that it is the policy of the Board of Governors of the Federal Reserve System that deposits received by international banking facilities may be used only to support the depositor's operations outside the United States as specified in \u00a7 204.8(a)(2)(ii)(B) and that extensions of credit by IBFs may be used only to finance operations outside of the United States as specified in \u00a7 204.8(a)(3)(vi). In the case of loans to or deposits from foreign affiliates of U.S. residents, receipt of such notice must be acknowledged in writing whenever a deposit or credit relationship is first established with the IBF., (c) Exemption from reserve requirements. An institution that is subject to the reserve requirements of this part is not required to maintain reserves against its IBF time deposits or IBF loans. Deposit-taking activities of IBFs are limited to accepting only IBF time deposits and lending activities of IBFs are restricted to making only IBF loans., (d) Establishment of an international banking facility. A depository institution, an Edge or Agreement Corporation or a United States branch or agency of a foreign bank may establish an IBF in any location where it is legally authorized to engage in IBF business. However, only one IBF may be established for each reporting entity that is required to submit a Report of Transaction Accounts, Other Deposits and Vault Cash (Form FR 2900)., (e) Notification to Federal Reserve. At least fourteen days prior to the first reserve computation period that an institution intends to establish an IBF it shall notify the Federal Reserve Bank of the district in which it is located of its intent. Such notification shall include a statement of intention by the institution that it will comply with the rules of this part concerning IBFs, including restrictions on sources and uses of funds, and recordkeeping and accounting requirements. Failure to comply with the requirements of this part shall subject the institution to reserve requirements under this part or result in the revocation of the institution's ability to operate an IBF., (f) Recordkeeping requirements. A depository institution shall segregate on its books and records the asset and liability accounts of its IBF and submit reports concerning the operations of its IBF as required by the Board.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["204"],"part_title":["PART 204 - RESERVE REQUIREMENTS OF DEPOSITORY INSTITUTIONS (REGULATION D)"],"section":["204.8"],"section_title":["\u00a7 204.8 International banking facilities."]},"_input_hash":-1776085545,"_task_hash":-2033420323,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711822327,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Monthly statements. Each banking institution must promptly furnish to each retail forex customer, as of the close of the last business day of each month or as of any regular monthly date selected, except for accounts in which there are neither open positions at the end of the statement period nor any changes to the account balance since the prior statement period, but in any event not less frequently than once every three months, a statement that clearly shows:, (1) For each retail forex customer:, (i) The open retail forex transactions with prices at which acquired;, (ii) The net unrealized profits or losses in all open retail forex transactions marked to the market;, (iii) Any money, securities or other property held as margin for retail forex transactions; and, (iv) A detailed accounting of all financial charges and credits to the retail forex customer's retail forex accounts during the monthly reporting period, including: money, securities, or property received from or disbursed to such customer; realized profits and losses; and fees, charges, and commissions., (2) For each retail forex customer engaging in retail forex transactions that are options:, (i) All such options purchased, sold, exercised, or expired during the monthly reporting period, identified by underlying retail forex transaction or underlying currency, strike price, transaction date, and expiration date;, (ii) The open option positions carried for such customer and arising as of the end of the monthly reporting period, identified by underlying retail forex transaction or underlying currency, strike price, transaction date, and expiration date;, (iii) All such option positions marked to the market and the amount each position is in the money, if any;, (iv) Any money, securities or other property held as margin for retail forex transactions; and, (v) A detailed accounting of all financial charges and credits to the retail forex customer's retail forex accounts during the monthly reporting period, including: money, securities, or property received from or disbursed to such customer; realized profits and losses; premiums and mark-ups; and fees, charges, and commissions., (b) Confirmation statement. Each banking institution must, not later than the next business day after any retail forex transaction, send:, (1) To each retail forex customer, a written confirmation of each retail forex transaction caused to be executed by it for the customer, including offsetting transactions executed during the same business day and the rollover of an open retail forex transaction to the next business day;, (2) To each retail forex customer engaging in forex option transactions, a written confirmation of each forex option transaction, containing at least the following information:, (i) The retail forex customer's account identification number;, (ii) A separate listing of the actual amount of the premium, as well as each mark-up thereon, if applicable, and all other commissions, costs, fees and other charges incurred in connection with the forex option transaction;, (iii) The strike price;, (iv) The underlying retail forex transaction or underlying currency;, (v) The final exercise date of the forex option purchased or sold; and, (vi) The date the forex option transaction was executed., (3) To each retail forex customer engaging in forex option transactions, upon the expiration or exercise of any option, a written confirmation statement thereof, which statement shall include the date of such occurrence, a description of the option involved, and, in the case of exercise, the details of the retail forex or physical currency position which resulted therefrom including, if applicable, the final trading date of the retail forex transaction underlying the option., (c) Notwithstanding the provisions of paragraphs (b)(1) through (3) of this section, a retail forex transaction that is caused to be executed for a pooled investment vehicle that engages in retail forex transactions need be confirmed only to the operator of such pooled investment vehicle., (d) Controlled accounts. With respect to any account controlled by any person other than the retail forex customer for whom such account is carried, each banking institution shall promptly furnish in writing to such other person the information required by paragraphs (a) and (b) of this section., (e) Introduced accounts. Each statement provided pursuant to the provisions of this section must, if applicable, show that the account for which the banking institution was introduced by an introducing broker and the name of the introducing broker.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["240"],"part_title":["PART 240 - RETAIL FOREIGN EXCHANGE TRANSACTIONS (REGULATION NN)"],"section":["240.10"],"section_title":["\u00a7 240.10 Required reporting to customers."]},"_input_hash":-1863545239,"_task_hash":-524511927,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844093,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Monthly statements. Each banking institution must promptly furnish to each retail forex customer, as of the close of the last business day of each month or as of any regular monthly date selected, except for accounts in which there are neither open positions at the end of the statement period nor any changes to the account balance since the prior statement period, but in any event not less frequently than once every three months, a statement that clearly shows:, (1) For each retail forex customer:, (i) The open retail forex transactions with prices at which acquired;, (ii) The net unrealized profits or losses in all open retail forex transactions marked to the market;, (iii) Any money, securities or other property held as margin for retail forex transactions; and, (iv) A detailed accounting of all financial charges and credits to the retail forex customer's retail forex accounts during the monthly reporting period, including: money, securities, or property received from or disbursed to such customer; realized profits and losses; and fees, charges, and commissions., (2) For each retail forex customer engaging in retail forex transactions that are options:, (i) All such options purchased, sold, exercised, or expired during the monthly reporting period, identified by underlying retail forex transaction or underlying currency, strike price, transaction date, and expiration date;, (ii) The open option positions carried for such customer and arising as of the end of the monthly reporting period, identified by underlying retail forex transaction or underlying currency, strike price, transaction date, and expiration date;, (iii) All such option positions marked to the market and the amount each position is in the money, if any;, (iv) Any money, securities or other property held as margin for retail forex transactions; and, (v) A detailed accounting of all financial charges and credits to the retail forex customer's retail forex accounts during the monthly reporting period, including: money, securities, or property received from or disbursed to such customer; realized profits and losses; premiums and mark-ups; and fees, charges, and commissions., (b) Confirmation statement. Each banking institution must, not later than the next business day after any retail forex transaction, send:, (1) To each retail forex customer, a written confirmation of each retail forex transaction caused to be executed by it for the customer, including offsetting transactions executed during the same business day and the rollover of an open retail forex transaction to the next business day;, (2) To each retail forex customer engaging in forex option transactions, a written confirmation of each forex option transaction, containing at least the following information:, (i) The retail forex customer's account identification number;, (ii) A separate listing of the actual amount of the premium, as well as each mark-up thereon, if applicable, and all other commissions, costs, fees and other charges incurred in connection with the forex option transaction;, (iii) The strike price;, (iv) The underlying retail forex transaction or underlying currency;, (v) The final exercise date of the forex option purchased or sold; and, (vi) The date the forex option transaction was executed., (3) To each retail forex customer engaging in forex option transactions, upon the expiration or exercise of any option, a written confirmation statement thereof, which statement shall include the date of such occurrence, a description of the option involved, and, in the case of exercise, the details of the retail forex or physical currency position which resulted therefrom including, if applicable, the final trading date of the retail forex transaction underlying the option., (c) Notwithstanding the provisions of paragraphs (b)(1) through (3) of this section, a retail forex transaction that is caused to be executed for a pooled investment vehicle that engages in retail forex transactions need be confirmed only to the operator of such pooled investment vehicle., (d) Controlled accounts. With respect to any account controlled by any person other than the retail forex customer for whom such account is carried, each banking institution shall promptly furnish in writing to such other person the information required by paragraphs (a) and (b) of this section., (e) Introduced accounts. Each statement provided pursuant to the provisions of this section must, if applicable, show that the account for which the banking institution was introduced by an introducing broker and the name of the introducing broker.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["240"],"part_title":["PART 240 - RETAIL FOREIGN EXCHANGE TRANSACTIONS (REGULATION NN)"],"section":["240.10"],"section_title":["\u00a7 240.10 Required reporting to customers."]},"_input_hash":-1863545239,"_task_hash":-524511927,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814360,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Monthly statements. Each banking institution must promptly furnish to each retail forex customer, as of the close of the last business day of each month or as of any regular monthly date selected, except for accounts in which there are neither open positions at the end of the statement period nor any changes to the account balance since the prior statement period, but in any event not less frequently than once every three months, a statement that clearly shows:, (1) For each retail forex customer:, (i) The open retail forex transactions with prices at which acquired;, (ii) The net unrealized profits or losses in all open retail forex transactions marked to the market;, (iii) Any money, securities or other property held as margin for retail forex transactions; and, (iv) A detailed accounting of all financial charges and credits to the retail forex customer's retail forex accounts during the monthly reporting period, including: money, securities, or property received from or disbursed to such customer; realized profits and losses; and fees, charges, and commissions., (2) For each retail forex customer engaging in retail forex transactions that are options:, (i) All such options purchased, sold, exercised, or expired during the monthly reporting period, identified by underlying retail forex transaction or underlying currency, strike price, transaction date, and expiration date;, (ii) The open option positions carried for such customer and arising as of the end of the monthly reporting period, identified by underlying retail forex transaction or underlying currency, strike price, transaction date, and expiration date;, (iii) All such option positions marked to the market and the amount each position is in the money, if any;, (iv) Any money, securities or other property held as margin for retail forex transactions; and, (v) A detailed accounting of all financial charges and credits to the retail forex customer's retail forex accounts during the monthly reporting period, including: money, securities, or property received from or disbursed to such customer; realized profits and losses; premiums and mark-ups; and fees, charges, and commissions., (b) Confirmation statement. Each banking institution must, not later than the next business day after any retail forex transaction, send:, (1) To each retail forex customer, a written confirmation of each retail forex transaction caused to be executed by it for the customer, including offsetting transactions executed during the same business day and the rollover of an open retail forex transaction to the next business day;, (2) To each retail forex customer engaging in forex option transactions, a written confirmation of each forex option transaction, containing at least the following information:, (i) The retail forex customer's account identification number;, (ii) A separate listing of the actual amount of the premium, as well as each mark-up thereon, if applicable, and all other commissions, costs, fees and other charges incurred in connection with the forex option transaction;, (iii) The strike price;, (iv) The underlying retail forex transaction or underlying currency;, (v) The final exercise date of the forex option purchased or sold; and, (vi) The date the forex option transaction was executed., (3) To each retail forex customer engaging in forex option transactions, upon the expiration or exercise of any option, a written confirmation statement thereof, which statement shall include the date of such occurrence, a description of the option involved, and, in the case of exercise, the details of the retail forex or physical currency position which resulted therefrom including, if applicable, the final trading date of the retail forex transaction underlying the option., (c) Notwithstanding the provisions of paragraphs (b)(1) through (3) of this section, a retail forex transaction that is caused to be executed for a pooled investment vehicle that engages in retail forex transactions need be confirmed only to the operator of such pooled investment vehicle., (d) Controlled accounts. With respect to any account controlled by any person other than the retail forex customer for whom such account is carried, each banking institution shall promptly furnish in writing to such other person the information required by paragraphs (a) and (b) of this section., (e) Introduced accounts. Each statement provided pursuant to the provisions of this section must, if applicable, show that the account for which the banking institution was introduced by an introducing broker and the name of the introducing broker.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["240"],"part_title":["PART 240 - RETAIL FOREIGN EXCHANGE TRANSACTIONS (REGULATION NN)"],"section":["240.10"],"section_title":["\u00a7 240.10 Required reporting to customers."]},"_input_hash":-1863545239,"_task_hash":1418020248,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711822364,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false}],"view_id":"choice"}
+{"text":"Each insured credit union shall provide notice to its members concerning NCUA insurance coverage of member accounts. This may be accomplished by placing either a copy of part 745 of these rules, the appendix, or one or more copies of the NCUA brochure \u201cYour Insured Funds\u201d in each branch office and main office of the credit union. Copies of these materials shall also be made available to members upon request. For purposes of this section, an automated teller machine or point of sale terminal is not a branch office.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["745"],"part_title":["PART 745 - SHARE INSURANCE AND APPENDIX"],"section":["745.13"],"section_title":["\u00a7 745.13 Notification to members/shareholders."]},"_input_hash":-836910108,"_task_hash":2034150346,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844094,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"Each insured credit union shall provide notice to its members concerning NCUA insurance coverage of member accounts. This may be accomplished by placing either a copy of part 745 of these rules, the appendix, or one or more copies of the NCUA brochure \u201cYour Insured Funds\u201d in each branch office and main office of the credit union. Copies of these materials shall also be made available to members upon request. For purposes of this section, an automated teller machine or point of sale terminal is not a branch office.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["745"],"part_title":["PART 745 - SHARE INSURANCE AND APPENDIX"],"section":["745.13"],"section_title":["\u00a7 745.13 Notification to members/shareholders."]},"_input_hash":-836910108,"_task_hash":2034150346,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814376,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"Each insured credit union shall provide notice to its members concerning NCUA insurance coverage of member accounts. This may be accomplished by placing either a copy of part 745 of these rules, the appendix, or one or more copies of the NCUA brochure \u201cYour Insured Funds\u201d in each branch office and main office of the credit union. Copies of these materials shall also be made available to members upon request. For purposes of this section, an automated teller machine or point of sale terminal is not a branch office.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["745"],"part_title":["PART 745 - SHARE INSURANCE AND APPENDIX"],"section":["745.13"],"section_title":["\u00a7 745.13 Notification to members/shareholders."]},"_input_hash":-836910108,"_task_hash":2105353584,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829803,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Deadline for completing the sale of stock. The mutual holding company must complete all sales of the stock within 45 calendar days after the last day of the subscription period, unless the offering is extended under paragraph (b) of this section., (b) Offering period extension. (1) The mutual holding company must request, in writing, an extension of any offering period., (2) The Board may grant extensions of time to sell the shares. The Board will not grant any single extension of more than 90 days., (3) If the Board grants the request for an extension of time, the mutual holding company must provide a post-effective amendment to the offering circular under \u00a7 239.58(c) to each person who subscribed for or ordered stock. The amendment must indicate that the Board extended the offering period and that each person who subscribed for or ordered stock may increase, decrease, or rescind their subscription or order within the time remaining in the extension period.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["239"],"part_title":["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"],"section":["239.60"],"section_title":["\u00a7 239.60 Completion of the offering."]},"_input_hash":820653549,"_task_hash":717061284,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844095,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Deadline for completing the sale of stock. The mutual holding company must complete all sales of the stock within 45 calendar days after the last day of the subscription period, unless the offering is extended under paragraph (b) of this section., (b) Offering period extension. (1) The mutual holding company must request, in writing, an extension of any offering period., (2) The Board may grant extensions of time to sell the shares. The Board will not grant any single extension of more than 90 days., (3) If the Board grants the request for an extension of time, the mutual holding company must provide a post-effective amendment to the offering circular under \u00a7 239.58(c) to each person who subscribed for or ordered stock. The amendment must indicate that the Board extended the offering period and that each person who subscribed for or ordered stock may increase, decrease, or rescind their subscription or order within the time remaining in the extension period.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["239"],"part_title":["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"],"section":["239.60"],"section_title":["\u00a7 239.60 Completion of the offering."]},"_input_hash":820653549,"_task_hash":717061284,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814390,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Deadline for completing the sale of stock. The mutual holding company must complete all sales of the stock within 45 calendar days after the last day of the subscription period, unless the offering is extended under paragraph (b) of this section., (b) Offering period extension. (1) The mutual holding company must request, in writing, an extension of any offering period., (2) The Board may grant extensions of time to sell the shares. The Board will not grant any single extension of more than 90 days., (3) If the Board grants the request for an extension of time, the mutual holding company must provide a post-effective amendment to the offering circular under \u00a7 239.58(c) to each person who subscribed for or ordered stock. The amendment must indicate that the Board extended the offering period and that each person who subscribed for or ordered stock may increase, decrease, or rescind their subscription or order within the time remaining in the extension period.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["239"],"part_title":["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"],"section":["239.60"],"section_title":["\u00a7 239.60 Completion of the offering."]},"_input_hash":820653549,"_task_hash":752784525,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711822460,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false}],"view_id":"choice"}
+{"text":"(a) In general. A financial holding company may not, without Board approval, directly or indirectly acquire any additional shares, assets or ownership interests under this subpart or make any additional capital contribution to any company the shares, assets or ownership interests of which are held by the financial holding company under this subpart if the aggregate carrying value of all merchant banking investments held by the financial holding company under this subpart exceeds: , (1) 30 percent of the Tier 1 capital of the financial holding company; or , (2) After excluding interests in private equity funds, 20 percent of the Tier 1 capital of the financial holding company. , (b) How do these thresholds apply to a private equity fund? Paragraph (a) of this section applies to the interest acquired or controlled by the financial holding company under this subpart in a private equity fund. Paragraph (a) of this section does not apply to any interest in a company held by a private equity fund or to any interest held by a person that is not affiliated with the financial holding company. , (c) How long do these thresholds remain in effect? This \u00a7 225.174 shall cease to be effective on the date that a final rule issued by the Board that specifically addresses the appropriate regulatory capital treatment of merchant banking investments becomes effective. , (d) Qualifying community banking organizations. For purposes of this section, a financial holding company that is a qualifying community banking organization (as defined in \u00a7 217.12 of this chapter) that is subject to the community bank leverage ratio framework (as defined in \u00a7 217.12 of this chapter) calculates its Tier 1 capital (as defined in \u00a7 217.2 of this chapter) in accordance with \u00a7 217.12(b) of this chapter.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["225"],"part_title":["PART 225 - BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y)"],"section":["225.174"],"section_title":["\u00a7 225.174 What aggregate thresholds apply to merchant banking investments?"]},"_input_hash":1890245218,"_task_hash":-1757856196,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815058,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) In general. A financial holding company may not, without Board approval, directly or indirectly acquire any additional shares, assets or ownership interests under this subpart or make any additional capital contribution to any company the shares, assets or ownership interests of which are held by the financial holding company under this subpart if the aggregate carrying value of all merchant banking investments held by the financial holding company under this subpart exceeds: , (1) 30 percent of the Tier 1 capital of the financial holding company; or , (2) After excluding interests in private equity funds, 20 percent of the Tier 1 capital of the financial holding company. , (b) How do these thresholds apply to a private equity fund? Paragraph (a) of this section applies to the interest acquired or controlled by the financial holding company under this subpart in a private equity fund. Paragraph (a) of this section does not apply to any interest in a company held by a private equity fund or to any interest held by a person that is not affiliated with the financial holding company. , (c) How long do these thresholds remain in effect? This \u00a7 225.174 shall cease to be effective on the date that a final rule issued by the Board that specifically addresses the appropriate regulatory capital treatment of merchant banking investments becomes effective. , (d) Qualifying community banking organizations. For purposes of this section, a financial holding company that is a qualifying community banking organization (as defined in \u00a7 217.12 of this chapter) that is subject to the community bank leverage ratio framework (as defined in \u00a7 217.12 of this chapter) calculates its Tier 1 capital (as defined in \u00a7 217.2 of this chapter) in accordance with \u00a7 217.12(b) of this chapter.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["225"],"part_title":["PART 225 - BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y)"],"section":["225.174"],"section_title":["\u00a7 225.174 What aggregate thresholds apply to merchant banking investments?"]},"_input_hash":1890245218,"_task_hash":-1757856196,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815058,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) Notification requirements. An FDIC-supervised institution must notify the FDIC no later than 10 business days, or such other period as the FDIC may otherwise require by written notice, following the date that any event has occurred that would cause or has caused the FDIC-supervised institution's net stable funding ratio to be less than 1.0 as required under \u00a7 329.100., (b) Liquidity Plan. (1) An FDIC-supervised institution must within 10 business days, or such other period as the FDIC may otherwise require by written notice, provide to the FDIC a plan for achieving a net stable funding ratio equal to or greater than 1.0 as required under \u00a7 329.100 if:, (i) The FDIC-supervised institution has or should have provided notice, pursuant to \u00a7329.110(a), that the FDIC-supervised institution's net stable funding ratio is, or will become, less than 1.0 as required under \u00a7 329.100;, (ii) The FDIC-supervised institution's reports or disclosures to the FDIC indicate that the FDIC-supervised institution's net stable funding ratio is less than 1.0 as required under \u00a7 329.100; or, (iii) The FDIC notifies the FDIC-supervised institution in writing that a plan is required and provides a reason for requiring such a plan., (2) The plan must include, as applicable:, (i) An assessment of the FDIC-supervised institution's liquidity profile;, (ii) The actions the FDIC-supervised institution has taken and will take to achieve a net stable funding ratio equal to or greater than 1.0 as required under \u00a7 329.100, including:, (A) A plan for adjusting the FDIC-supervised institution's liquidity profile;, (B) A plan for remediating any operational or management issues that contributed to noncompliance with subpart K of this part; and, (iii) An estimated time frame for achieving full compliance with \u00a7 329.100., (3) The FDIC-supervised institution must report to the FDIC at least monthly, or such other frequency as required by the FDIC, on progress to achieve full compliance with \u00a7 329.100., (c) Supervisory and enforcement actions. The FDIC may, at its discretion, take additional supervisory or enforcement actions to address noncompliance with the minimum net stable funding ratio and other requirements of subparts K through N of this part (see also \u00a7 329.2(c)).","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["329"],"part_title":["PART 329 - LIQUIDITY RISK MEASUREMENT STANDARDS"],"section":["329.110"],"section_title":["\u00a7 329.110 NSFR shortfall: Supervisory framework."]},"_input_hash":185785127,"_task_hash":-1912200299,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815106,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Notification requirements. An FDIC-supervised institution must notify the FDIC no later than 10 business days, or such other period as the FDIC may otherwise require by written notice, following the date that any event has occurred that would cause or has caused the FDIC-supervised institution's net stable funding ratio to be less than 1.0 as required under \u00a7 329.100., (b) Liquidity Plan. (1) An FDIC-supervised institution must within 10 business days, or such other period as the FDIC may otherwise require by written notice, provide to the FDIC a plan for achieving a net stable funding ratio equal to or greater than 1.0 as required under \u00a7 329.100 if:, (i) The FDIC-supervised institution has or should have provided notice, pursuant to \u00a7329.110(a), that the FDIC-supervised institution's net stable funding ratio is, or will become, less than 1.0 as required under \u00a7 329.100;, (ii) The FDIC-supervised institution's reports or disclosures to the FDIC indicate that the FDIC-supervised institution's net stable funding ratio is less than 1.0 as required under \u00a7 329.100; or, (iii) The FDIC notifies the FDIC-supervised institution in writing that a plan is required and provides a reason for requiring such a plan., (2) The plan must include, as applicable:, (i) An assessment of the FDIC-supervised institution's liquidity profile;, (ii) The actions the FDIC-supervised institution has taken and will take to achieve a net stable funding ratio equal to or greater than 1.0 as required under \u00a7 329.100, including:, (A) A plan for adjusting the FDIC-supervised institution's liquidity profile;, (B) A plan for remediating any operational or management issues that contributed to noncompliance with subpart K of this part; and, (iii) An estimated time frame for achieving full compliance with \u00a7 329.100., (3) The FDIC-supervised institution must report to the FDIC at least monthly, or such other frequency as required by the FDIC, on progress to achieve full compliance with \u00a7 329.100., (c) Supervisory and enforcement actions. The FDIC may, at its discretion, take additional supervisory or enforcement actions to address noncompliance with the minimum net stable funding ratio and other requirements of subparts K through N of this part (see also \u00a7 329.2(c)).","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["329"],"part_title":["PART 329 - LIQUIDITY RISK MEASUREMENT STANDARDS"],"section":["329.110"],"section_title":["\u00a7 329.110 NSFR shortfall: Supervisory framework."]},"_input_hash":185785127,"_task_hash":-1912200299,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815106,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"A covered swap entity shall comply with:, (a) In the case of the Federal Agricultural Mortgage Corporation, the capital adequacy regulations set forth in part 652 of this chapter; and, (b) In the case of any Farm Credit System institution other than the Federal Agricultural Mortgage Corporation, the capital regulations set forth in parts 615 and 628 of this chapter.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["624"],"part_title":["PART 624 - MARGIN AND CAPITAL REQUIREMENTS FOR COVERED SWAP ENTITIES"],"section":["624.12"],"section_title":["\u00a7 624.12 Capital."]},"_input_hash":-1175474557,"_task_hash":705431525,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844096,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"A covered swap entity shall comply with:, (a) In the case of the Federal Agricultural Mortgage Corporation, the capital adequacy regulations set forth in part 652 of this chapter; and, (b) In the case of any Farm Credit System institution other than the Federal Agricultural Mortgage Corporation, the capital regulations set forth in parts 615 and 628 of this chapter.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["624"],"part_title":["PART 624 - MARGIN AND CAPITAL REQUIREMENTS FOR COVERED SWAP ENTITIES"],"section":["624.12"],"section_title":["\u00a7 624.12 Capital."]},"_input_hash":-1175474557,"_task_hash":705431525,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814400,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"A covered swap entity shall comply with:, (a) In the case of the Federal Agricultural Mortgage Corporation, the capital adequacy regulations set forth in part 652 of this chapter; and, (b) In the case of any Farm Credit System institution other than the Federal Agricultural Mortgage Corporation, the capital regulations set forth in parts 615 and 628 of this chapter.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["624"],"part_title":["PART 624 - MARGIN AND CAPITAL REQUIREMENTS FOR COVERED SWAP ENTITIES"],"section":["624.12"],"section_title":["\u00a7 624.12 Capital."]},"_input_hash":-1175474557,"_task_hash":1776477073,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711822470,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false}],"view_id":"choice"}
+{"text":"A financial company may not organize or operate its business or structure any acquisition of or merger or consolidation with another company in such a manner that results in evasion of the concentration limit established by section 14 of the Bank Holding Company Act or this part.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["251"],"part_title":["PART 251 - CONCENTRATION LIMIT (REGULATION XX)"],"section":["251.5"],"section_title":["\u00a7 251.5 No evasion."]},"_input_hash":1302653384,"_task_hash":-1599990498,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844122,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"A financial company may not organize or operate its business or structure any acquisition of or merger or consolidation with another company in such a manner that results in evasion of the concentration limit established by section 14 of the Bank Holding Company Act or this part.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["251"],"part_title":["PART 251 - CONCENTRATION LIMIT (REGULATION XX)"],"section":["251.5"],"section_title":["\u00a7 251.5 No evasion."]},"_input_hash":1302653384,"_task_hash":-1599990498,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814440,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"A financial company may not organize or operate its business or structure any acquisition of or merger or consolidation with another company in such a manner that results in evasion of the concentration limit established by section 14 of the Bank Holding Company Act or this part.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["251"],"part_title":["PART 251 - CONCENTRATION LIMIT (REGULATION XX)"],"section":["251.5"],"section_title":["\u00a7 251.5 No evasion."]},"_input_hash":1302653384,"_task_hash":-1479380549,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829848,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Application and prior NCUA approval required. Any credit union insured under title II of the Act must apply for and receive approval from the regional director before establishing a credit union branch outside the United States unless the foreign branch is located on a United States military instillation or embassy outside the United States. The regional director will have 60 days to approve or deny the request., (b) Contents of application. The application must include a business plan, written approval by the state supervisory agency if the applicant is a state-chartered credit union, and documentation evidencing written permission from the host country to establish the branch that explicitly recognizes NCUA's authority to examine and take any enforcement action, including conservatorship and liquidation actions., (c) Contents of business plan. The written business plan must address the following: , (1) Analysis of market conditions in the area where the branch is to be established;, (2) The credit union's plan for addressing foreign currency risk;, (3) Operating facilities, including office space/equipment and supplies;, (4) Safeguarding of assets, bond coverage, insurance coverage, and records preservation;, (5) Written policies regarding the branch (shares, lending, capital, charge-offs, collections);, (6) The field of membership or portion of the field of membership to be served through the foreign branch and the financial needs of the members to be served and services and products to be provided;, (7) Detailed pro forma financial statements for branch operations (balance sheet and income and expense projections) for the first and second year including assumptions;, (8) Internal controls including cash disbursal procedures for shares and loans at the branch;, (9) Accounting procedures used to identify branch activity and performance; and, (10) Foreign income taxation and employment law., (d) Revocation of approval. A State regulator that revokes approval of the branch office must notify NCUA of the action once it issues the notice of revocation. The regional director may revoke approval of the branch office for failure to follow the business plan in a material respect or for substantive and documented safety and soundness reasons. If the regional director revokes the approval, the credit union will have six months from the date of the revocation letter to terminate the operations of the branch. The credit union can request reconsideration of the revocation and/or appeal this revocation to the NCUA Board in accordance with the procedures set forth in subpart B to part 746 of this chapter., (e) Insurance coverage. Accounts at foreign branches are insured by the NCUSIF only if denominated in U.S. dollars and only if payable, by the terms of the account agreement, at a U.S. office of the credit union. If the host country requires insurance from its own system, accounts will not be insured by the National Credit Union Share Insurance Fund.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["741"],"part_title":["PART 741 - REQUIREMENTS FOR INSURANCE"],"section":["741.11"],"section_title":["\u00a7 741.11 Foreign branching."]},"_input_hash":-569056791,"_task_hash":861738747,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844124,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) Application and prior NCUA approval required. Any credit union insured under title II of the Act must apply for and receive approval from the regional director before establishing a credit union branch outside the United States unless the foreign branch is located on a United States military instillation or embassy outside the United States. The regional director will have 60 days to approve or deny the request., (b) Contents of application. The application must include a business plan, written approval by the state supervisory agency if the applicant is a state-chartered credit union, and documentation evidencing written permission from the host country to establish the branch that explicitly recognizes NCUA's authority to examine and take any enforcement action, including conservatorship and liquidation actions., (c) Contents of business plan. The written business plan must address the following: , (1) Analysis of market conditions in the area where the branch is to be established;, (2) The credit union's plan for addressing foreign currency risk;, (3) Operating facilities, including office space/equipment and supplies;, (4) Safeguarding of assets, bond coverage, insurance coverage, and records preservation;, (5) Written policies regarding the branch (shares, lending, capital, charge-offs, collections);, (6) The field of membership or portion of the field of membership to be served through the foreign branch and the financial needs of the members to be served and services and products to be provided;, (7) Detailed pro forma financial statements for branch operations (balance sheet and income and expense projections) for the first and second year including assumptions;, (8) Internal controls including cash disbursal procedures for shares and loans at the branch;, (9) Accounting procedures used to identify branch activity and performance; and, (10) Foreign income taxation and employment law., (d) Revocation of approval. A State regulator that revokes approval of the branch office must notify NCUA of the action once it issues the notice of revocation. The regional director may revoke approval of the branch office for failure to follow the business plan in a material respect or for substantive and documented safety and soundness reasons. If the regional director revokes the approval, the credit union will have six months from the date of the revocation letter to terminate the operations of the branch. The credit union can request reconsideration of the revocation and/or appeal this revocation to the NCUA Board in accordance with the procedures set forth in subpart B to part 746 of this chapter., (e) Insurance coverage. Accounts at foreign branches are insured by the NCUSIF only if denominated in U.S. dollars and only if payable, by the terms of the account agreement, at a U.S. office of the credit union. If the host country requires insurance from its own system, accounts will not be insured by the National Credit Union Share Insurance Fund.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["741"],"part_title":["PART 741 - REQUIREMENTS FOR INSURANCE"],"section":["741.11"],"section_title":["\u00a7 741.11 Foreign branching."]},"_input_hash":-569056791,"_task_hash":861738747,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814531,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) Application and prior NCUA approval required. Any credit union insured under title II of the Act must apply for and receive approval from the regional director before establishing a credit union branch outside the United States unless the foreign branch is located on a United States military instillation or embassy outside the United States. The regional director will have 60 days to approve or deny the request., (b) Contents of application. The application must include a business plan, written approval by the state supervisory agency if the applicant is a state-chartered credit union, and documentation evidencing written permission from the host country to establish the branch that explicitly recognizes NCUA's authority to examine and take any enforcement action, including conservatorship and liquidation actions., (c) Contents of business plan. The written business plan must address the following: , (1) Analysis of market conditions in the area where the branch is to be established;, (2) The credit union's plan for addressing foreign currency risk;, (3) Operating facilities, including office space/equipment and supplies;, (4) Safeguarding of assets, bond coverage, insurance coverage, and records preservation;, (5) Written policies regarding the branch (shares, lending, capital, charge-offs, collections);, (6) The field of membership or portion of the field of membership to be served through the foreign branch and the financial needs of the members to be served and services and products to be provided;, (7) Detailed pro forma financial statements for branch operations (balance sheet and income and expense projections) for the first and second year including assumptions;, (8) Internal controls including cash disbursal procedures for shares and loans at the branch;, (9) Accounting procedures used to identify branch activity and performance; and, (10) Foreign income taxation and employment law., (d) Revocation of approval. A State regulator that revokes approval of the branch office must notify NCUA of the action once it issues the notice of revocation. The regional director may revoke approval of the branch office for failure to follow the business plan in a material respect or for substantive and documented safety and soundness reasons. If the regional director revokes the approval, the credit union will have six months from the date of the revocation letter to terminate the operations of the branch. The credit union can request reconsideration of the revocation and/or appeal this revocation to the NCUA Board in accordance with the procedures set forth in subpart B to part 746 of this chapter., (e) Insurance coverage. Accounts at foreign branches are insured by the NCUSIF only if denominated in U.S. dollars and only if payable, by the terms of the account agreement, at a U.S. office of the credit union. If the host country requires insurance from its own system, accounts will not be insured by the National Credit Union Share Insurance Fund.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["741"],"part_title":["PART 741 - REQUIREMENTS FOR INSURANCE"],"section":["741.11"],"section_title":["\u00a7 741.11 Foreign branching."]},"_input_hash":-569056791,"_task_hash":1834271358,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711838329,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Terms that are set forth in \u00a7 324.2 and used in this subpart have the definitions assigned thereto in \u00a7 324.2., (b) For the purposes of this subpart, the following terms are defined as follows:, Advanced internal ratings-based (IRB) systems means an advanced approaches FDIC-supervised institution's internal risk rating and segmentation system; risk parameter quantification system; data management and maintenance system; and control, oversight, and validation system for credit risk of wholesale and retail exposures., Advanced systems means an advanced approaches FDIC-supervised institution's advanced IRB systems, operational risk management processes, operational risk data and assessment systems, operational risk quantification systems, and, to the extent used by the FDIC-supervised institution, the internal models methodology, advanced CVA approach, double default excessive correlation detection process, and internal models approach (IMA) for equity exposures., Backtesting means the comparison of an FDIC-supervised institution's internal estimates with actual outcomes during a sample period not used in model development. In this context, backtesting is one form of out-of-sample testing., Benchmarking means the comparison of an FDIC-supervised institution's internal estimates with relevant internal and external data or with estimates based on other estimation techniques., Bond option contract means a bond option, bond future, or any other instrument linked to a bond that gives rise to similar counterparty credit risk., Business environment and internal control factors means the indicators of an FDIC-supervised institution's operational risk profile that reflect a current and forward-looking assessment of the FDIC-supervised institution's underlying business risk factors and internal control environment., Credit default swap (CDS) means a financial contract executed under standard industry documentation that allows one party (the protection purchaser) to transfer the credit risk of one or more exposures (reference exposure(s)) to another party (the protection provider) for a certain period of time., Credit valuation adjustment (CVA) means the fair value adjustment to reflect counterparty credit risk in valuation of OTC derivative contracts., Default - For the purposes of calculating capital requirements under this subpart:, (1) Retail. (i) A retail exposure of an FDIC-supervised institution is in default if:, (A) The exposure is 180 days past due, in the case of a residential mortgage exposure or revolving exposure;, (B) The exposure is 120 days past due, in the case of retail exposures that are not residential mortgage exposures or revolving exposures; or, (C) The FDIC-supervised institution has taken a full or partial charge-off, write-down of principal, or material negative fair value adjustment of principal on the exposure for credit-related reasons., (ii) Notwithstanding paragraph (1)(i) of this definition, for a retail exposure held by a non-U.S. subsidiary of the FDIC-supervised institution that is subject to an internal ratings-based approach to capital adequacy consistent with the Basel Committee on Banking Supervision's \u201cInternational Convergence of Capital Measurement and Capital Standards: A Revised Framework\u201d in a non-U.S. jurisdiction, the FDIC-supervised institution may elect to use the definition of default that is used in that jurisdiction, provided that the FDIC-supervised institution has obtained prior approval from the FDIC to use the definition of default in that jurisdiction., (iii) A retail exposure in default remains in default until the FDIC-supervised institution has reasonable assurance of repayment and performance for all contractual principal and interest payments on the exposure., (2) Wholesale. (i) An FDIC-supervised institution's wholesale obligor is in default if:, (A) The FDIC-supervised institution determines that the obligor is unlikely to pay its credit obligations to the FDIC-supervised institution in full, without recourse by the FDIC-supervised institution to actions such as realizing collateral (if held); or, (B) The obligor is past due more than 90 days on any material credit obligation(s) to the FDIC-supervised institution.29, 29 Overdrafts are past due once the obligor has breached an advised limit or been advised of a limit smaller than the current outstanding balance., (ii) An obligor in default remains in default until the FDIC-supervised institution has reasonable assurance of repayment and performance for all contractual principal and interest payments on all exposures of the FDIC-supervised institution to the obligor (other than exposures that have been fully written-down or charged-off)., Dependence means a measure of the association among operational losses across and within units of measure., Economic downturn conditions means, with respect to an exposure held by the FDIC-supervised institution, those conditions in which the aggregate default rates for that exposure's wholesale or retail exposure subcategory (or subdivision of such subcategory selected by the FDIC-supervised institution) in the exposure's national jurisdiction (or subdivision of such jurisdiction selected by the FDIC-supervised institution) are significantly higher than average., Effective maturity (M) of a wholesale exposure means:, (1) For wholesale exposures other than repo-style transactions, eligible margin loans, and OTC derivative contracts described in paragraph (2) or (3) of this definition:, (i) The weighted-average remaining maturity (measured in years, whole or fractional) of the expected contractual cash flows from the exposure, using the undiscounted amounts of the cash flows as weights; or, (ii) The nominal remaining maturity (measured in years, whole or fractional) of the exposure., (2) For repo-style transactions, eligible margin loans, and OTC derivative contracts subject to a qualifying master netting agreement for which the FDIC-supervised institution does not apply the internal models approach in \u00a7 324.132(d), the weighted-average remaining maturity (measured in years, whole or fractional) of the individual transactions subject to the qualifying master netting agreement, with the weight of each individual transaction set equal to the notional amount of the transaction., (3) For repo-style transactions, eligible margin loans, and OTC derivative contracts for which the FDIC-supervised institution applies the internal models approach in \u00a7 324.132(d), the value determined in \u00a7 324.132(d)(4)., Eligible double default guarantor, with respect to a guarantee or credit derivative obtained by an FDIC-supervised institution, means:, (1) U.S.-based entities. A depository institution, a bank holding company, a savings and loan holding company, or a securities broker or dealer registered with the SEC under the Securities Exchange Act, if at the time the guarantee is issued or anytime thereafter, has issued and outstanding an unsecured debt security without credit enhancement that is investment grade., (2) Non-U.S.-based entities. A foreign bank, or a non-U.S.-based securities firm if the FDIC-supervised institution demonstrates that the guarantor is subject to consolidated supervision and regulation comparable to that imposed on U.S. depository institutions (or securities broker-dealers), if at the time the guarantee is issued or anytime thereafter, has issued and outstanding an unsecured debt security without credit enhancement that is investment grade., Eligible operational risk offsets means amounts, not to exceed expected operational loss, that:, (1) Are generated by internal business practices to absorb highly predictable and reasonably stable operational losses, including reserves calculated consistent with GAAP; and, (2) Are available to cover expected operational losses with a high degree of certainty over a one-year horizon., Eligible purchased wholesale exposure means a purchased wholesale exposure that:, (1) The FDIC-supervised institution or securitization SPE purchased from an unaffiliated seller and did not directly or indirectly originate;, (2) Was generated on an arm's-length basis between the seller and the obligor (intercompany accounts receivable and receivables subject to contra-accounts between firms that buy and sell to each other do not satisfy this criterion);, (3) Provides the FDIC-supervised institution or securitization SPE with a claim on all proceeds from the exposure or a pro rata interest in the proceeds from the exposure;, (4) Has an M of less than one year; and, (5) When consolidated by obligor, does not represent a concentrated exposure relative to the portfolio of purchased wholesale exposures., Expected exposure (EE) means the expected value of the probability distribution of non-negative credit risk exposures to a counterparty at any specified future date before the maturity date of the longest term transaction in the netting set. Any negative fair values in the probability distribution of fair values to a counterparty at a specified future date are set to zero to convert the probability distribution of fair values to the probability distribution of credit risk exposures., Expected operational loss (EOL) means the expected value of the distribution of potential aggregate operational losses, as generated by the FDIC-supervised institution's operational risk quantification system using a one-year horizon., Expected positive exposure (EPE) means the weighted average over time of expected (non-negative) exposures to a counterparty where the weights are the proportion of the time interval that an individual expected exposure represents. When calculating risk-based capital requirements, the average is taken over a one-year horizon., Exposure at default (EAD) means:, (1) For the on-balance sheet component of a wholesale exposure or segment of retail exposures (other than an OTC derivative contract, a repo-style transaction or eligible margin loan for which the FDIC-supervised institution determines EAD under \u00a7 324.132, a cleared transaction, or default fund contribution), EAD means the FDIC-supervised institution's carrying value (including net accrued but unpaid interest and fees) for the exposure or segment less any allocated transfer risk reserve for the exposure or segment., (2) For the off-balance sheet component of a wholesale exposure or segment of retail exposures (other than an OTC derivative contract, a repo-style transaction or eligible margin loan for which the FDIC-supervised institution determines EAD under \u00a7 324.132, cleared transaction, or default fund contribution) in the form of a loan commitment, line of credit, trade-related letter of credit, or transaction-related contingency, EAD means the FDIC-supervised institution's best estimate of net additions to the outstanding amount owed the FDIC-supervised institution, including estimated future additional draws of principal and accrued but unpaid interest and fees, that are likely to occur over a one-year horizon assuming the wholesale exposure or the retail exposures in the segment were to go into default. This estimate of net additions must reflect what would be expected during economic downturn conditions. For the purposes of this definition:, (i) Trade-related letters of credit are short-term, self-liquidating instruments that are used to finance the movement of goods and are collateralized by the underlying goods., (ii) Transaction-related contingencies relate to a particular transaction and include, among other things, performance bonds and performance-based letters of credit., (3) For the off-balance sheet component of a wholesale exposure or segment of retail exposures (other than an OTC derivative contract, a repo-style transaction, or eligible margin loan for which the FDIC-supervised institution determines EAD under \u00a7 324.132, cleared transaction, or default fund contribution) in the form of anything other than a loan commitment, line of credit, trade-related letter of credit, or transaction-related contingency, EAD means the notional amount of the exposure or segment., (4) EAD for OTC derivative contracts is calculated as described in \u00a7 324.132. An FDIC-supervised institution also may determine EAD for repo-style transactions and eligible margin loans as described in \u00a7 324.132., Exposure category means any of the wholesale, retail, securitization, or equity exposure categories., External operational loss event data means, with respect to an FDIC-supervised institution, gross operational loss amounts, dates, recoveries, and relevant causal information for operational loss events occurring at organizations other than the FDIC-supervised institution., IMM exposure means a repo-style transaction, eligible margin loan, or OTC derivative for which an FDIC-supervised institution calculates its EAD using the internal models methodology of \u00a7 324.132(d)., Internal operational loss event data means, with respect to an FDIC-supervised institution, gross operational loss amounts, dates, recoveries, and relevant causal information for operational loss events occurring at the FDIC-supervised institution., Loss given default (LGD) means:, (1) For a wholesale exposure, the greatest of:, (i) Zero;, (ii) The FDIC-supervised institution's empirically based best estimate of the long-run default-weighted average economic loss, per dollar of EAD, the FDIC-supervised institution would expect to incur if the obligor (or a typical obligor in the loss severity grade assigned by the FDIC-supervised institution to the exposure) were to default within a one-year horizon over a mix of economic conditions, including economic downturn conditions; or, (iii) The FDIC-supervised institution's empirically based best estimate of the economic loss, per dollar of EAD, the FDIC-supervised institution would expect to incur if the obligor (or a typical obligor in the loss severity grade assigned by the FDIC-supervised institution to the exposure) were to default within a one-year horizon during economic downturn conditions., (2) For a segment of retail exposures, the greatest of:, (i) Zero;, (ii) The FDIC-supervised institution's empirically based best estimate of the long-run default-weighted average economic loss, per dollar of EAD, the FDIC-supervised institution would expect to incur if the exposures in the segment were to default within a one-year horizon over a mix of economic conditions, including economic downturn conditions; or, (iii) The FDIC-supervised institution's empirically based best estimate of the economic loss, per dollar of EAD, the FDIC-supervised institution would expect to incur if the exposures in the segment were to default within a one-year horizon during economic downturn conditions., (3) The economic loss on an exposure in the event of default is all material credit-related losses on the exposure (including accrued but unpaid interest or fees, losses on the sale of collateral, direct workout costs, and an appropriate allocation of indirect workout costs). Where positive or negative cash flows on a wholesale exposure to a defaulted obligor or a defaulted retail exposure (including proceeds from the sale of collateral, workout costs, additional extensions of credit to facilitate repayment of the exposure, and draw-downs of unused credit lines) occur after the date of default, the economic loss must reflect the net present value of cash flows as of the default date using a discount rate appropriate to the risk of the defaulted exposure., Obligor means the legal entity or natural person contractually obligated on a wholesale exposure, except that an FDIC-supervised institution may treat the following exposures as having separate obligors:, (1) Exposures to the same legal entity or natural person denominated in different currencies;, (2)(i) An income-producing real estate exposure for which all or substantially all of the repayment of the exposure is reliant on the cash flows of the real estate serving as collateral for the exposure; the FDIC-supervised institution, in economic substance, does not have recourse to the borrower beyond the real estate collateral; and no cross-default or cross-acceleration clauses are in place other than clauses obtained solely out of an abundance of caution; and, (ii) Other credit exposures to the same legal entity or natural person; and, (3)(i) A wholesale exposure authorized under section 364 of the U.S. Bankruptcy Code (11 U.S.C. 364) to a legal entity or natural person who is a debtor-in-possession for purposes of Chapter 11 of the Bankruptcy Code; and, (ii) Other credit exposures to the same legal entity or natural person., Operational loss means a loss (excluding insurance or tax effects) resulting from an operational loss event. Operational loss includes all expenses associated with an operational loss event except for opportunity costs, forgone revenue, and costs related to risk management and control enhancements implemented to prevent future operational losses., Operational loss event means an event that results in loss and is associated with any of the following seven operational loss event type categories:, (1) Internal fraud, which means the operational loss event type category that comprises operational losses resulting from an act involving at least one internal party of a type intended to defraud, misappropriate property, or circumvent regulations, the law, or company policy excluding diversity- and discrimination-type events., (2) External fraud, which means the operational loss event type category that comprises operational losses resulting from an act by a third party of a type intended to defraud, misappropriate property, or circumvent the law. Retail credit card losses arising from non-contractual, third-party-initiated fraud (for example, identity theft) are external fraud operational losses. All other third-party-initiated credit losses are to be treated as credit risk losses., (3) Employment practices and workplace safety, which means the operational loss event type category that comprises operational losses resulting from an act inconsistent with employment, health, or safety laws or agreements, payment of personal injury claims, or payment arising from diversity- and discrimination-type events., (4) Clients, products, and business practices, which means the operational loss event type category that comprises operational losses resulting from the nature or design of a product or from an unintentional or negligent failure to meet a professional obligation to specific clients (including fiduciary and suitability requirements)., (5) Damage to physical assets, which means the operational loss event type category that comprises operational losses resulting from the loss of or damage to physical assets from natural disaster or other events., (6) Business disruption and system failures, which means the operational loss event type category that comprises operational losses resulting from disruption of business or system failures., (7) Execution, delivery, and process management, which means the operational loss event type category that comprises operational losses resulting from failed transaction processing or process management or losses arising from relations with trade counterparties and vendors., Operational risk means the risk of loss resulting from inadequate or failed internal processes, people, and systems or from external events (including legal risk but excluding strategic and reputational risk)., Operational risk exposure means the 99.9th percentile of the distribution of potential aggregate operational losses, as generated by the FDIC-supervised institution's operational risk quantification system over a one-year horizon (and not incorporating eligible operational risk offsets or qualifying operational risk mitigants)., Other retail exposure means an exposure (other than a securitization exposure, an equity exposure, a residential mortgage exposure, a pre-sold construction loan, a qualifying revolving exposure, or the residual value portion of a lease exposure) that is managed as part of a segment of exposures with homogeneous risk characteristics, not on an individual-exposure basis, and is either:, (1) An exposure to an individual for non-business purposes; or, (2) An exposure to an individual or company for business purposes if the FDIC-supervised institution's consolidated business credit exposure to the individual or company is $1 million or less., Probability of default (PD) means:, (1) For a wholesale exposure to a non-defaulted obligor, the FDIC-supervised institution's empirically based best estimate of the long-run average one-year default rate for the rating grade assigned by the FDIC-supervised institution to the obligor, capturing the average default experience for obligors in the rating grade over a mix of economic conditions (including economic downturn conditions) sufficient to provide a reasonable estimate of the average one-year default rate over the economic cycle for the rating grade., (2) For a segment of non-defaulted retail exposures, the FDIC-supervised institution's empirically based best estimate of the long-run average one-year default rate for the exposures in the segment, capturing the average default experience for exposures in the segment over a mix of economic conditions (including economic downturn conditions) sufficient to provide a reasonable estimate of the average one-year default rate over the economic cycle for the segment., (3) For a wholesale exposure to a defaulted obligor or segment of defaulted retail exposures, 100 percent., Qualifying cross-product master netting agreement means a qualifying master netting agreement that provides for termination and close-out netting across multiple types of financial transactions or qualifying master netting agreements in the event of a counterparty's default, provided that the underlying financial transactions are OTC derivative contracts, eligible margin loans, or repo-style transactions. In order to treat an agreement as a qualifying cross-product master netting agreement for purposes of this subpart, an FDIC-supervised institution must comply with the requirements of \u00a7 324.3(c) of this part with respect to that agreement., Qualifying revolving exposure (QRE) means an exposure (other than a securitization exposure or equity exposure) to an individual that is managed as part of a segment of exposures with homogeneous risk characteristics, not on an individual-exposure basis, and:, (1) Is revolving (that is, the amount outstanding fluctuates, determined largely by a borrower's decision to borrow and repay up to a pre-established maximum amount, except for an outstanding amount that the borrower is required to pay in full every month);, (2) Is unsecured and unconditionally cancelable by the FDIC-supervised institution to the fullest extent permitted by Federal law; and, (3)(i) Has a maximum contractual exposure amount (drawn plus undrawn) of up to $100,000; or, (ii) With respect to a product with an outstanding amount that the borrower is required to pay in full every month, the total outstanding amount does not in practice exceed $100,000., (4) A segment of exposures that contains one or more exposures that fails to meet paragraph (3)(ii) of this definition must be treated as a segment of other retail exposures for the 24 month period following the month in which the total outstanding amount of one or more exposures individually exceeds $100,000., Retail exposure means a residential mortgage exposure, a qualifying revolving exposure, or an other retail exposure., Retail exposure subcategory means the residential mortgage exposure, qualifying revolving exposure, or other retail exposure subcategory., Risk parameter means a variable used in determining risk-based capital requirements for wholesale and retail exposures, specifically probability of default (PD), loss given default (LGD), exposure at default (EAD), or effective maturity (M)., Scenario analysis means a systematic process of obtaining expert opinions from business managers and risk management experts to derive reasoned assessments of the likelihood and loss impact of plausible high-severity operational losses. Scenario analysis may include the well-reasoned evaluation and use of external operational loss event data, adjusted as appropriate to ensure relevance to an FDIC-supervised institution's operational risk profile and control structure., Total wholesale and retail risk-weighted assets means the sum of:, (1) Risk-weighted assets for wholesale exposures that are not IMM exposures, cleared transactions, or default fund contributions to non-defaulted obligors and segments of non-defaulted retail exposures;, (2) Risk-weighted assets for wholesale exposures to defaulted obligors and segments of defaulted retail exposures;, (3) Risk-weighted assets for assets not defined by an exposure category;, (4) Risk-weighted assets for non-material portfolios of exposures;, (5) Risk-weighted assets for IMM exposures (as determined in \u00a7 324.132(d));, (6) Risk-weighted assets for cleared transactions and risk-weighted assets for default fund contributions (as determined in \u00a7 324.133); and, (7) Risk-weighted assets for unsettled transactions (as determined in \u00a7 324.136)., Unexpected operational loss (UOL) means the difference between the FDIC-supervised institution's operational risk exposure and the FDIC-supervised institution's expected operational loss., Unit of measure means the level (for example, organizational unit or operational loss event type) at which the FDIC-supervised institution's operational risk quantification system generates a separate distribution of potential operational losses., Wholesale exposure means a credit exposure to a company, natural person, sovereign, or governmental entity (other than a securitization exposure, retail exposure, pre-sold construction loan, or equity exposure)., Wholesale exposure subcategory means the HVCRE or non-HVCRE wholesale exposure subcategory.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["324"],"part_title":["PART 324 - CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS"],"section":["324.101"],"section_title":["\u00a7 324.101 Definitions."]},"_input_hash":-1815493642,"_task_hash":417621303,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844127,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Terms that are set forth in \u00a7 324.2 and used in this subpart have the definitions assigned thereto in \u00a7 324.2., (b) For the purposes of this subpart, the following terms are defined as follows:, Advanced internal ratings-based (IRB) systems means an advanced approaches FDIC-supervised institution's internal risk rating and segmentation system; risk parameter quantification system; data management and maintenance system; and control, oversight, and validation system for credit risk of wholesale and retail exposures., Advanced systems means an advanced approaches FDIC-supervised institution's advanced IRB systems, operational risk management processes, operational risk data and assessment systems, operational risk quantification systems, and, to the extent used by the FDIC-supervised institution, the internal models methodology, advanced CVA approach, double default excessive correlation detection process, and internal models approach (IMA) for equity exposures., Backtesting means the comparison of an FDIC-supervised institution's internal estimates with actual outcomes during a sample period not used in model development. In this context, backtesting is one form of out-of-sample testing., Benchmarking means the comparison of an FDIC-supervised institution's internal estimates with relevant internal and external data or with estimates based on other estimation techniques., Bond option contract means a bond option, bond future, or any other instrument linked to a bond that gives rise to similar counterparty credit risk., Business environment and internal control factors means the indicators of an FDIC-supervised institution's operational risk profile that reflect a current and forward-looking assessment of the FDIC-supervised institution's underlying business risk factors and internal control environment., Credit default swap (CDS) means a financial contract executed under standard industry documentation that allows one party (the protection purchaser) to transfer the credit risk of one or more exposures (reference exposure(s)) to another party (the protection provider) for a certain period of time., Credit valuation adjustment (CVA) means the fair value adjustment to reflect counterparty credit risk in valuation of OTC derivative contracts., Default - For the purposes of calculating capital requirements under this subpart:, (1) Retail. (i) A retail exposure of an FDIC-supervised institution is in default if:, (A) The exposure is 180 days past due, in the case of a residential mortgage exposure or revolving exposure;, (B) The exposure is 120 days past due, in the case of retail exposures that are not residential mortgage exposures or revolving exposures; or, (C) The FDIC-supervised institution has taken a full or partial charge-off, write-down of principal, or material negative fair value adjustment of principal on the exposure for credit-related reasons., (ii) Notwithstanding paragraph (1)(i) of this definition, for a retail exposure held by a non-U.S. subsidiary of the FDIC-supervised institution that is subject to an internal ratings-based approach to capital adequacy consistent with the Basel Committee on Banking Supervision's \u201cInternational Convergence of Capital Measurement and Capital Standards: A Revised Framework\u201d in a non-U.S. jurisdiction, the FDIC-supervised institution may elect to use the definition of default that is used in that jurisdiction, provided that the FDIC-supervised institution has obtained prior approval from the FDIC to use the definition of default in that jurisdiction., (iii) A retail exposure in default remains in default until the FDIC-supervised institution has reasonable assurance of repayment and performance for all contractual principal and interest payments on the exposure., (2) Wholesale. (i) An FDIC-supervised institution's wholesale obligor is in default if:, (A) The FDIC-supervised institution determines that the obligor is unlikely to pay its credit obligations to the FDIC-supervised institution in full, without recourse by the FDIC-supervised institution to actions such as realizing collateral (if held); or, (B) The obligor is past due more than 90 days on any material credit obligation(s) to the FDIC-supervised institution.29, 29 Overdrafts are past due once the obligor has breached an advised limit or been advised of a limit smaller than the current outstanding balance., (ii) An obligor in default remains in default until the FDIC-supervised institution has reasonable assurance of repayment and performance for all contractual principal and interest payments on all exposures of the FDIC-supervised institution to the obligor (other than exposures that have been fully written-down or charged-off)., Dependence means a measure of the association among operational losses across and within units of measure., Economic downturn conditions means, with respect to an exposure held by the FDIC-supervised institution, those conditions in which the aggregate default rates for that exposure's wholesale or retail exposure subcategory (or subdivision of such subcategory selected by the FDIC-supervised institution) in the exposure's national jurisdiction (or subdivision of such jurisdiction selected by the FDIC-supervised institution) are significantly higher than average., Effective maturity (M) of a wholesale exposure means:, (1) For wholesale exposures other than repo-style transactions, eligible margin loans, and OTC derivative contracts described in paragraph (2) or (3) of this definition:, (i) The weighted-average remaining maturity (measured in years, whole or fractional) of the expected contractual cash flows from the exposure, using the undiscounted amounts of the cash flows as weights; or, (ii) The nominal remaining maturity (measured in years, whole or fractional) of the exposure., (2) For repo-style transactions, eligible margin loans, and OTC derivative contracts subject to a qualifying master netting agreement for which the FDIC-supervised institution does not apply the internal models approach in \u00a7 324.132(d), the weighted-average remaining maturity (measured in years, whole or fractional) of the individual transactions subject to the qualifying master netting agreement, with the weight of each individual transaction set equal to the notional amount of the transaction., (3) For repo-style transactions, eligible margin loans, and OTC derivative contracts for which the FDIC-supervised institution applies the internal models approach in \u00a7 324.132(d), the value determined in \u00a7 324.132(d)(4)., Eligible double default guarantor, with respect to a guarantee or credit derivative obtained by an FDIC-supervised institution, means:, (1) U.S.-based entities. A depository institution, a bank holding company, a savings and loan holding company, or a securities broker or dealer registered with the SEC under the Securities Exchange Act, if at the time the guarantee is issued or anytime thereafter, has issued and outstanding an unsecured debt security without credit enhancement that is investment grade., (2) Non-U.S.-based entities. A foreign bank, or a non-U.S.-based securities firm if the FDIC-supervised institution demonstrates that the guarantor is subject to consolidated supervision and regulation comparable to that imposed on U.S. depository institutions (or securities broker-dealers), if at the time the guarantee is issued or anytime thereafter, has issued and outstanding an unsecured debt security without credit enhancement that is investment grade., Eligible operational risk offsets means amounts, not to exceed expected operational loss, that:, (1) Are generated by internal business practices to absorb highly predictable and reasonably stable operational losses, including reserves calculated consistent with GAAP; and, (2) Are available to cover expected operational losses with a high degree of certainty over a one-year horizon., Eligible purchased wholesale exposure means a purchased wholesale exposure that:, (1) The FDIC-supervised institution or securitization SPE purchased from an unaffiliated seller and did not directly or indirectly originate;, (2) Was generated on an arm's-length basis between the seller and the obligor (intercompany accounts receivable and receivables subject to contra-accounts between firms that buy and sell to each other do not satisfy this criterion);, (3) Provides the FDIC-supervised institution or securitization SPE with a claim on all proceeds from the exposure or a pro rata interest in the proceeds from the exposure;, (4) Has an M of less than one year; and, (5) When consolidated by obligor, does not represent a concentrated exposure relative to the portfolio of purchased wholesale exposures., Expected exposure (EE) means the expected value of the probability distribution of non-negative credit risk exposures to a counterparty at any specified future date before the maturity date of the longest term transaction in the netting set. Any negative fair values in the probability distribution of fair values to a counterparty at a specified future date are set to zero to convert the probability distribution of fair values to the probability distribution of credit risk exposures., Expected operational loss (EOL) means the expected value of the distribution of potential aggregate operational losses, as generated by the FDIC-supervised institution's operational risk quantification system using a one-year horizon., Expected positive exposure (EPE) means the weighted average over time of expected (non-negative) exposures to a counterparty where the weights are the proportion of the time interval that an individual expected exposure represents. When calculating risk-based capital requirements, the average is taken over a one-year horizon., Exposure at default (EAD) means:, (1) For the on-balance sheet component of a wholesale exposure or segment of retail exposures (other than an OTC derivative contract, a repo-style transaction or eligible margin loan for which the FDIC-supervised institution determines EAD under \u00a7 324.132, a cleared transaction, or default fund contribution), EAD means the FDIC-supervised institution's carrying value (including net accrued but unpaid interest and fees) for the exposure or segment less any allocated transfer risk reserve for the exposure or segment., (2) For the off-balance sheet component of a wholesale exposure or segment of retail exposures (other than an OTC derivative contract, a repo-style transaction or eligible margin loan for which the FDIC-supervised institution determines EAD under \u00a7 324.132, cleared transaction, or default fund contribution) in the form of a loan commitment, line of credit, trade-related letter of credit, or transaction-related contingency, EAD means the FDIC-supervised institution's best estimate of net additions to the outstanding amount owed the FDIC-supervised institution, including estimated future additional draws of principal and accrued but unpaid interest and fees, that are likely to occur over a one-year horizon assuming the wholesale exposure or the retail exposures in the segment were to go into default. This estimate of net additions must reflect what would be expected during economic downturn conditions. For the purposes of this definition:, (i) Trade-related letters of credit are short-term, self-liquidating instruments that are used to finance the movement of goods and are collateralized by the underlying goods., (ii) Transaction-related contingencies relate to a particular transaction and include, among other things, performance bonds and performance-based letters of credit., (3) For the off-balance sheet component of a wholesale exposure or segment of retail exposures (other than an OTC derivative contract, a repo-style transaction, or eligible margin loan for which the FDIC-supervised institution determines EAD under \u00a7 324.132, cleared transaction, or default fund contribution) in the form of anything other than a loan commitment, line of credit, trade-related letter of credit, or transaction-related contingency, EAD means the notional amount of the exposure or segment., (4) EAD for OTC derivative contracts is calculated as described in \u00a7 324.132. An FDIC-supervised institution also may determine EAD for repo-style transactions and eligible margin loans as described in \u00a7 324.132., Exposure category means any of the wholesale, retail, securitization, or equity exposure categories., External operational loss event data means, with respect to an FDIC-supervised institution, gross operational loss amounts, dates, recoveries, and relevant causal information for operational loss events occurring at organizations other than the FDIC-supervised institution., IMM exposure means a repo-style transaction, eligible margin loan, or OTC derivative for which an FDIC-supervised institution calculates its EAD using the internal models methodology of \u00a7 324.132(d)., Internal operational loss event data means, with respect to an FDIC-supervised institution, gross operational loss amounts, dates, recoveries, and relevant causal information for operational loss events occurring at the FDIC-supervised institution., Loss given default (LGD) means:, (1) For a wholesale exposure, the greatest of:, (i) Zero;, (ii) The FDIC-supervised institution's empirically based best estimate of the long-run default-weighted average economic loss, per dollar of EAD, the FDIC-supervised institution would expect to incur if the obligor (or a typical obligor in the loss severity grade assigned by the FDIC-supervised institution to the exposure) were to default within a one-year horizon over a mix of economic conditions, including economic downturn conditions; or, (iii) The FDIC-supervised institution's empirically based best estimate of the economic loss, per dollar of EAD, the FDIC-supervised institution would expect to incur if the obligor (or a typical obligor in the loss severity grade assigned by the FDIC-supervised institution to the exposure) were to default within a one-year horizon during economic downturn conditions., (2) For a segment of retail exposures, the greatest of:, (i) Zero;, (ii) The FDIC-supervised institution's empirically based best estimate of the long-run default-weighted average economic loss, per dollar of EAD, the FDIC-supervised institution would expect to incur if the exposures in the segment were to default within a one-year horizon over a mix of economic conditions, including economic downturn conditions; or, (iii) The FDIC-supervised institution's empirically based best estimate of the economic loss, per dollar of EAD, the FDIC-supervised institution would expect to incur if the exposures in the segment were to default within a one-year horizon during economic downturn conditions., (3) The economic loss on an exposure in the event of default is all material credit-related losses on the exposure (including accrued but unpaid interest or fees, losses on the sale of collateral, direct workout costs, and an appropriate allocation of indirect workout costs). Where positive or negative cash flows on a wholesale exposure to a defaulted obligor or a defaulted retail exposure (including proceeds from the sale of collateral, workout costs, additional extensions of credit to facilitate repayment of the exposure, and draw-downs of unused credit lines) occur after the date of default, the economic loss must reflect the net present value of cash flows as of the default date using a discount rate appropriate to the risk of the defaulted exposure., Obligor means the legal entity or natural person contractually obligated on a wholesale exposure, except that an FDIC-supervised institution may treat the following exposures as having separate obligors:, (1) Exposures to the same legal entity or natural person denominated in different currencies;, (2)(i) An income-producing real estate exposure for which all or substantially all of the repayment of the exposure is reliant on the cash flows of the real estate serving as collateral for the exposure; the FDIC-supervised institution, in economic substance, does not have recourse to the borrower beyond the real estate collateral; and no cross-default or cross-acceleration clauses are in place other than clauses obtained solely out of an abundance of caution; and, (ii) Other credit exposures to the same legal entity or natural person; and, (3)(i) A wholesale exposure authorized under section 364 of the U.S. Bankruptcy Code (11 U.S.C. 364) to a legal entity or natural person who is a debtor-in-possession for purposes of Chapter 11 of the Bankruptcy Code; and, (ii) Other credit exposures to the same legal entity or natural person., Operational loss means a loss (excluding insurance or tax effects) resulting from an operational loss event. Operational loss includes all expenses associated with an operational loss event except for opportunity costs, forgone revenue, and costs related to risk management and control enhancements implemented to prevent future operational losses., Operational loss event means an event that results in loss and is associated with any of the following seven operational loss event type categories:, (1) Internal fraud, which means the operational loss event type category that comprises operational losses resulting from an act involving at least one internal party of a type intended to defraud, misappropriate property, or circumvent regulations, the law, or company policy excluding diversity- and discrimination-type events., (2) External fraud, which means the operational loss event type category that comprises operational losses resulting from an act by a third party of a type intended to defraud, misappropriate property, or circumvent the law. Retail credit card losses arising from non-contractual, third-party-initiated fraud (for example, identity theft) are external fraud operational losses. All other third-party-initiated credit losses are to be treated as credit risk losses., (3) Employment practices and workplace safety, which means the operational loss event type category that comprises operational losses resulting from an act inconsistent with employment, health, or safety laws or agreements, payment of personal injury claims, or payment arising from diversity- and discrimination-type events., (4) Clients, products, and business practices, which means the operational loss event type category that comprises operational losses resulting from the nature or design of a product or from an unintentional or negligent failure to meet a professional obligation to specific clients (including fiduciary and suitability requirements)., (5) Damage to physical assets, which means the operational loss event type category that comprises operational losses resulting from the loss of or damage to physical assets from natural disaster or other events., (6) Business disruption and system failures, which means the operational loss event type category that comprises operational losses resulting from disruption of business or system failures., (7) Execution, delivery, and process management, which means the operational loss event type category that comprises operational losses resulting from failed transaction processing or process management or losses arising from relations with trade counterparties and vendors., Operational risk means the risk of loss resulting from inadequate or failed internal processes, people, and systems or from external events (including legal risk but excluding strategic and reputational risk)., Operational risk exposure means the 99.9th percentile of the distribution of potential aggregate operational losses, as generated by the FDIC-supervised institution's operational risk quantification system over a one-year horizon (and not incorporating eligible operational risk offsets or qualifying operational risk mitigants)., Other retail exposure means an exposure (other than a securitization exposure, an equity exposure, a residential mortgage exposure, a pre-sold construction loan, a qualifying revolving exposure, or the residual value portion of a lease exposure) that is managed as part of a segment of exposures with homogeneous risk characteristics, not on an individual-exposure basis, and is either:, (1) An exposure to an individual for non-business purposes; or, (2) An exposure to an individual or company for business purposes if the FDIC-supervised institution's consolidated business credit exposure to the individual or company is $1 million or less., Probability of default (PD) means:, (1) For a wholesale exposure to a non-defaulted obligor, the FDIC-supervised institution's empirically based best estimate of the long-run average one-year default rate for the rating grade assigned by the FDIC-supervised institution to the obligor, capturing the average default experience for obligors in the rating grade over a mix of economic conditions (including economic downturn conditions) sufficient to provide a reasonable estimate of the average one-year default rate over the economic cycle for the rating grade., (2) For a segment of non-defaulted retail exposures, the FDIC-supervised institution's empirically based best estimate of the long-run average one-year default rate for the exposures in the segment, capturing the average default experience for exposures in the segment over a mix of economic conditions (including economic downturn conditions) sufficient to provide a reasonable estimate of the average one-year default rate over the economic cycle for the segment., (3) For a wholesale exposure to a defaulted obligor or segment of defaulted retail exposures, 100 percent., Qualifying cross-product master netting agreement means a qualifying master netting agreement that provides for termination and close-out netting across multiple types of financial transactions or qualifying master netting agreements in the event of a counterparty's default, provided that the underlying financial transactions are OTC derivative contracts, eligible margin loans, or repo-style transactions. In order to treat an agreement as a qualifying cross-product master netting agreement for purposes of this subpart, an FDIC-supervised institution must comply with the requirements of \u00a7 324.3(c) of this part with respect to that agreement., Qualifying revolving exposure (QRE) means an exposure (other than a securitization exposure or equity exposure) to an individual that is managed as part of a segment of exposures with homogeneous risk characteristics, not on an individual-exposure basis, and:, (1) Is revolving (that is, the amount outstanding fluctuates, determined largely by a borrower's decision to borrow and repay up to a pre-established maximum amount, except for an outstanding amount that the borrower is required to pay in full every month);, (2) Is unsecured and unconditionally cancelable by the FDIC-supervised institution to the fullest extent permitted by Federal law; and, (3)(i) Has a maximum contractual exposure amount (drawn plus undrawn) of up to $100,000; or, (ii) With respect to a product with an outstanding amount that the borrower is required to pay in full every month, the total outstanding amount does not in practice exceed $100,000., (4) A segment of exposures that contains one or more exposures that fails to meet paragraph (3)(ii) of this definition must be treated as a segment of other retail exposures for the 24 month period following the month in which the total outstanding amount of one or more exposures individually exceeds $100,000., Retail exposure means a residential mortgage exposure, a qualifying revolving exposure, or an other retail exposure., Retail exposure subcategory means the residential mortgage exposure, qualifying revolving exposure, or other retail exposure subcategory., Risk parameter means a variable used in determining risk-based capital requirements for wholesale and retail exposures, specifically probability of default (PD), loss given default (LGD), exposure at default (EAD), or effective maturity (M)., Scenario analysis means a systematic process of obtaining expert opinions from business managers and risk management experts to derive reasoned assessments of the likelihood and loss impact of plausible high-severity operational losses. Scenario analysis may include the well-reasoned evaluation and use of external operational loss event data, adjusted as appropriate to ensure relevance to an FDIC-supervised institution's operational risk profile and control structure., Total wholesale and retail risk-weighted assets means the sum of:, (1) Risk-weighted assets for wholesale exposures that are not IMM exposures, cleared transactions, or default fund contributions to non-defaulted obligors and segments of non-defaulted retail exposures;, (2) Risk-weighted assets for wholesale exposures to defaulted obligors and segments of defaulted retail exposures;, (3) Risk-weighted assets for assets not defined by an exposure category;, (4) Risk-weighted assets for non-material portfolios of exposures;, (5) Risk-weighted assets for IMM exposures (as determined in \u00a7 324.132(d));, (6) Risk-weighted assets for cleared transactions and risk-weighted assets for default fund contributions (as determined in \u00a7 324.133); and, (7) Risk-weighted assets for unsettled transactions (as determined in \u00a7 324.136)., Unexpected operational loss (UOL) means the difference between the FDIC-supervised institution's operational risk exposure and the FDIC-supervised institution's expected operational loss., Unit of measure means the level (for example, organizational unit or operational loss event type) at which the FDIC-supervised institution's operational risk quantification system generates a separate distribution of potential operational losses., Wholesale exposure means a credit exposure to a company, natural person, sovereign, or governmental entity (other than a securitization exposure, retail exposure, pre-sold construction loan, or equity exposure)., Wholesale exposure subcategory means the HVCRE or non-HVCRE wholesale exposure subcategory.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["324"],"part_title":["PART 324 - CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS"],"section":["324.101"],"section_title":["\u00a7 324.101 Definitions."]},"_input_hash":-1815493642,"_task_hash":417621303,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814566,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Terms that are set forth in \u00a7 324.2 and used in this subpart have the definitions assigned thereto in \u00a7 324.2., (b) For the purposes of this subpart, the following terms are defined as follows:, Advanced internal ratings-based (IRB) systems means an advanced approaches FDIC-supervised institution's internal risk rating and segmentation system; risk parameter quantification system; data management and maintenance system; and control, oversight, and validation system for credit risk of wholesale and retail exposures., Advanced systems means an advanced approaches FDIC-supervised institution's advanced IRB systems, operational risk management processes, operational risk data and assessment systems, operational risk quantification systems, and, to the extent used by the FDIC-supervised institution, the internal models methodology, advanced CVA approach, double default excessive correlation detection process, and internal models approach (IMA) for equity exposures., Backtesting means the comparison of an FDIC-supervised institution's internal estimates with actual outcomes during a sample period not used in model development. In this context, backtesting is one form of out-of-sample testing., Benchmarking means the comparison of an FDIC-supervised institution's internal estimates with relevant internal and external data or with estimates based on other estimation techniques., Bond option contract means a bond option, bond future, or any other instrument linked to a bond that gives rise to similar counterparty credit risk., Business environment and internal control factors means the indicators of an FDIC-supervised institution's operational risk profile that reflect a current and forward-looking assessment of the FDIC-supervised institution's underlying business risk factors and internal control environment., Credit default swap (CDS) means a financial contract executed under standard industry documentation that allows one party (the protection purchaser) to transfer the credit risk of one or more exposures (reference exposure(s)) to another party (the protection provider) for a certain period of time., Credit valuation adjustment (CVA) means the fair value adjustment to reflect counterparty credit risk in valuation of OTC derivative contracts., Default - For the purposes of calculating capital requirements under this subpart:, (1) Retail. (i) A retail exposure of an FDIC-supervised institution is in default if:, (A) The exposure is 180 days past due, in the case of a residential mortgage exposure or revolving exposure;, (B) The exposure is 120 days past due, in the case of retail exposures that are not residential mortgage exposures or revolving exposures; or, (C) The FDIC-supervised institution has taken a full or partial charge-off, write-down of principal, or material negative fair value adjustment of principal on the exposure for credit-related reasons., (ii) Notwithstanding paragraph (1)(i) of this definition, for a retail exposure held by a non-U.S. subsidiary of the FDIC-supervised institution that is subject to an internal ratings-based approach to capital adequacy consistent with the Basel Committee on Banking Supervision's \u201cInternational Convergence of Capital Measurement and Capital Standards: A Revised Framework\u201d in a non-U.S. jurisdiction, the FDIC-supervised institution may elect to use the definition of default that is used in that jurisdiction, provided that the FDIC-supervised institution has obtained prior approval from the FDIC to use the definition of default in that jurisdiction., (iii) A retail exposure in default remains in default until the FDIC-supervised institution has reasonable assurance of repayment and performance for all contractual principal and interest payments on the exposure., (2) Wholesale. (i) An FDIC-supervised institution's wholesale obligor is in default if:, (A) The FDIC-supervised institution determines that the obligor is unlikely to pay its credit obligations to the FDIC-supervised institution in full, without recourse by the FDIC-supervised institution to actions such as realizing collateral (if held); or, (B) The obligor is past due more than 90 days on any material credit obligation(s) to the FDIC-supervised institution.29, 29 Overdrafts are past due once the obligor has breached an advised limit or been advised of a limit smaller than the current outstanding balance., (ii) An obligor in default remains in default until the FDIC-supervised institution has reasonable assurance of repayment and performance for all contractual principal and interest payments on all exposures of the FDIC-supervised institution to the obligor (other than exposures that have been fully written-down or charged-off)., Dependence means a measure of the association among operational losses across and within units of measure., Economic downturn conditions means, with respect to an exposure held by the FDIC-supervised institution, those conditions in which the aggregate default rates for that exposure's wholesale or retail exposure subcategory (or subdivision of such subcategory selected by the FDIC-supervised institution) in the exposure's national jurisdiction (or subdivision of such jurisdiction selected by the FDIC-supervised institution) are significantly higher than average., Effective maturity (M) of a wholesale exposure means:, (1) For wholesale exposures other than repo-style transactions, eligible margin loans, and OTC derivative contracts described in paragraph (2) or (3) of this definition:, (i) The weighted-average remaining maturity (measured in years, whole or fractional) of the expected contractual cash flows from the exposure, using the undiscounted amounts of the cash flows as weights; or, (ii) The nominal remaining maturity (measured in years, whole or fractional) of the exposure., (2) For repo-style transactions, eligible margin loans, and OTC derivative contracts subject to a qualifying master netting agreement for which the FDIC-supervised institution does not apply the internal models approach in \u00a7 324.132(d), the weighted-average remaining maturity (measured in years, whole or fractional) of the individual transactions subject to the qualifying master netting agreement, with the weight of each individual transaction set equal to the notional amount of the transaction., (3) For repo-style transactions, eligible margin loans, and OTC derivative contracts for which the FDIC-supervised institution applies the internal models approach in \u00a7 324.132(d), the value determined in \u00a7 324.132(d)(4)., Eligible double default guarantor, with respect to a guarantee or credit derivative obtained by an FDIC-supervised institution, means:, (1) U.S.-based entities. A depository institution, a bank holding company, a savings and loan holding company, or a securities broker or dealer registered with the SEC under the Securities Exchange Act, if at the time the guarantee is issued or anytime thereafter, has issued and outstanding an unsecured debt security without credit enhancement that is investment grade., (2) Non-U.S.-based entities. A foreign bank, or a non-U.S.-based securities firm if the FDIC-supervised institution demonstrates that the guarantor is subject to consolidated supervision and regulation comparable to that imposed on U.S. depository institutions (or securities broker-dealers), if at the time the guarantee is issued or anytime thereafter, has issued and outstanding an unsecured debt security without credit enhancement that is investment grade., Eligible operational risk offsets means amounts, not to exceed expected operational loss, that:, (1) Are generated by internal business practices to absorb highly predictable and reasonably stable operational losses, including reserves calculated consistent with GAAP; and, (2) Are available to cover expected operational losses with a high degree of certainty over a one-year horizon., Eligible purchased wholesale exposure means a purchased wholesale exposure that:, (1) The FDIC-supervised institution or securitization SPE purchased from an unaffiliated seller and did not directly or indirectly originate;, (2) Was generated on an arm's-length basis between the seller and the obligor (intercompany accounts receivable and receivables subject to contra-accounts between firms that buy and sell to each other do not satisfy this criterion);, (3) Provides the FDIC-supervised institution or securitization SPE with a claim on all proceeds from the exposure or a pro rata interest in the proceeds from the exposure;, (4) Has an M of less than one year; and, (5) When consolidated by obligor, does not represent a concentrated exposure relative to the portfolio of purchased wholesale exposures., Expected exposure (EE) means the expected value of the probability distribution of non-negative credit risk exposures to a counterparty at any specified future date before the maturity date of the longest term transaction in the netting set. Any negative fair values in the probability distribution of fair values to a counterparty at a specified future date are set to zero to convert the probability distribution of fair values to the probability distribution of credit risk exposures., Expected operational loss (EOL) means the expected value of the distribution of potential aggregate operational losses, as generated by the FDIC-supervised institution's operational risk quantification system using a one-year horizon., Expected positive exposure (EPE) means the weighted average over time of expected (non-negative) exposures to a counterparty where the weights are the proportion of the time interval that an individual expected exposure represents. When calculating risk-based capital requirements, the average is taken over a one-year horizon., Exposure at default (EAD) means:, (1) For the on-balance sheet component of a wholesale exposure or segment of retail exposures (other than an OTC derivative contract, a repo-style transaction or eligible margin loan for which the FDIC-supervised institution determines EAD under \u00a7 324.132, a cleared transaction, or default fund contribution), EAD means the FDIC-supervised institution's carrying value (including net accrued but unpaid interest and fees) for the exposure or segment less any allocated transfer risk reserve for the exposure or segment., (2) For the off-balance sheet component of a wholesale exposure or segment of retail exposures (other than an OTC derivative contract, a repo-style transaction or eligible margin loan for which the FDIC-supervised institution determines EAD under \u00a7 324.132, cleared transaction, or default fund contribution) in the form of a loan commitment, line of credit, trade-related letter of credit, or transaction-related contingency, EAD means the FDIC-supervised institution's best estimate of net additions to the outstanding amount owed the FDIC-supervised institution, including estimated future additional draws of principal and accrued but unpaid interest and fees, that are likely to occur over a one-year horizon assuming the wholesale exposure or the retail exposures in the segment were to go into default. This estimate of net additions must reflect what would be expected during economic downturn conditions. For the purposes of this definition:, (i) Trade-related letters of credit are short-term, self-liquidating instruments that are used to finance the movement of goods and are collateralized by the underlying goods., (ii) Transaction-related contingencies relate to a particular transaction and include, among other things, performance bonds and performance-based letters of credit., (3) For the off-balance sheet component of a wholesale exposure or segment of retail exposures (other than an OTC derivative contract, a repo-style transaction, or eligible margin loan for which the FDIC-supervised institution determines EAD under \u00a7 324.132, cleared transaction, or default fund contribution) in the form of anything other than a loan commitment, line of credit, trade-related letter of credit, or transaction-related contingency, EAD means the notional amount of the exposure or segment., (4) EAD for OTC derivative contracts is calculated as described in \u00a7 324.132. An FDIC-supervised institution also may determine EAD for repo-style transactions and eligible margin loans as described in \u00a7 324.132., Exposure category means any of the wholesale, retail, securitization, or equity exposure categories., External operational loss event data means, with respect to an FDIC-supervised institution, gross operational loss amounts, dates, recoveries, and relevant causal information for operational loss events occurring at organizations other than the FDIC-supervised institution., IMM exposure means a repo-style transaction, eligible margin loan, or OTC derivative for which an FDIC-supervised institution calculates its EAD using the internal models methodology of \u00a7 324.132(d)., Internal operational loss event data means, with respect to an FDIC-supervised institution, gross operational loss amounts, dates, recoveries, and relevant causal information for operational loss events occurring at the FDIC-supervised institution., Loss given default (LGD) means:, (1) For a wholesale exposure, the greatest of:, (i) Zero;, (ii) The FDIC-supervised institution's empirically based best estimate of the long-run default-weighted average economic loss, per dollar of EAD, the FDIC-supervised institution would expect to incur if the obligor (or a typical obligor in the loss severity grade assigned by the FDIC-supervised institution to the exposure) were to default within a one-year horizon over a mix of economic conditions, including economic downturn conditions; or, (iii) The FDIC-supervised institution's empirically based best estimate of the economic loss, per dollar of EAD, the FDIC-supervised institution would expect to incur if the obligor (or a typical obligor in the loss severity grade assigned by the FDIC-supervised institution to the exposure) were to default within a one-year horizon during economic downturn conditions., (2) For a segment of retail exposures, the greatest of:, (i) Zero;, (ii) The FDIC-supervised institution's empirically based best estimate of the long-run default-weighted average economic loss, per dollar of EAD, the FDIC-supervised institution would expect to incur if the exposures in the segment were to default within a one-year horizon over a mix of economic conditions, including economic downturn conditions; or, (iii) The FDIC-supervised institution's empirically based best estimate of the economic loss, per dollar of EAD, the FDIC-supervised institution would expect to incur if the exposures in the segment were to default within a one-year horizon during economic downturn conditions., (3) The economic loss on an exposure in the event of default is all material credit-related losses on the exposure (including accrued but unpaid interest or fees, losses on the sale of collateral, direct workout costs, and an appropriate allocation of indirect workout costs). Where positive or negative cash flows on a wholesale exposure to a defaulted obligor or a defaulted retail exposure (including proceeds from the sale of collateral, workout costs, additional extensions of credit to facilitate repayment of the exposure, and draw-downs of unused credit lines) occur after the date of default, the economic loss must reflect the net present value of cash flows as of the default date using a discount rate appropriate to the risk of the defaulted exposure., Obligor means the legal entity or natural person contractually obligated on a wholesale exposure, except that an FDIC-supervised institution may treat the following exposures as having separate obligors:, (1) Exposures to the same legal entity or natural person denominated in different currencies;, (2)(i) An income-producing real estate exposure for which all or substantially all of the repayment of the exposure is reliant on the cash flows of the real estate serving as collateral for the exposure; the FDIC-supervised institution, in economic substance, does not have recourse to the borrower beyond the real estate collateral; and no cross-default or cross-acceleration clauses are in place other than clauses obtained solely out of an abundance of caution; and, (ii) Other credit exposures to the same legal entity or natural person; and, (3)(i) A wholesale exposure authorized under section 364 of the U.S. Bankruptcy Code (11 U.S.C. 364) to a legal entity or natural person who is a debtor-in-possession for purposes of Chapter 11 of the Bankruptcy Code; and, (ii) Other credit exposures to the same legal entity or natural person., Operational loss means a loss (excluding insurance or tax effects) resulting from an operational loss event. Operational loss includes all expenses associated with an operational loss event except for opportunity costs, forgone revenue, and costs related to risk management and control enhancements implemented to prevent future operational losses., Operational loss event means an event that results in loss and is associated with any of the following seven operational loss event type categories:, (1) Internal fraud, which means the operational loss event type category that comprises operational losses resulting from an act involving at least one internal party of a type intended to defraud, misappropriate property, or circumvent regulations, the law, or company policy excluding diversity- and discrimination-type events., (2) External fraud, which means the operational loss event type category that comprises operational losses resulting from an act by a third party of a type intended to defraud, misappropriate property, or circumvent the law. Retail credit card losses arising from non-contractual, third-party-initiated fraud (for example, identity theft) are external fraud operational losses. All other third-party-initiated credit losses are to be treated as credit risk losses., (3) Employment practices and workplace safety, which means the operational loss event type category that comprises operational losses resulting from an act inconsistent with employment, health, or safety laws or agreements, payment of personal injury claims, or payment arising from diversity- and discrimination-type events., (4) Clients, products, and business practices, which means the operational loss event type category that comprises operational losses resulting from the nature or design of a product or from an unintentional or negligent failure to meet a professional obligation to specific clients (including fiduciary and suitability requirements)., (5) Damage to physical assets, which means the operational loss event type category that comprises operational losses resulting from the loss of or damage to physical assets from natural disaster or other events., (6) Business disruption and system failures, which means the operational loss event type category that comprises operational losses resulting from disruption of business or system failures., (7) Execution, delivery, and process management, which means the operational loss event type category that comprises operational losses resulting from failed transaction processing or process management or losses arising from relations with trade counterparties and vendors., Operational risk means the risk of loss resulting from inadequate or failed internal processes, people, and systems or from external events (including legal risk but excluding strategic and reputational risk)., Operational risk exposure means the 99.9th percentile of the distribution of potential aggregate operational losses, as generated by the FDIC-supervised institution's operational risk quantification system over a one-year horizon (and not incorporating eligible operational risk offsets or qualifying operational risk mitigants)., Other retail exposure means an exposure (other than a securitization exposure, an equity exposure, a residential mortgage exposure, a pre-sold construction loan, a qualifying revolving exposure, or the residual value portion of a lease exposure) that is managed as part of a segment of exposures with homogeneous risk characteristics, not on an individual-exposure basis, and is either:, (1) An exposure to an individual for non-business purposes; or, (2) An exposure to an individual or company for business purposes if the FDIC-supervised institution's consolidated business credit exposure to the individual or company is $1 million or less., Probability of default (PD) means:, (1) For a wholesale exposure to a non-defaulted obligor, the FDIC-supervised institution's empirically based best estimate of the long-run average one-year default rate for the rating grade assigned by the FDIC-supervised institution to the obligor, capturing the average default experience for obligors in the rating grade over a mix of economic conditions (including economic downturn conditions) sufficient to provide a reasonable estimate of the average one-year default rate over the economic cycle for the rating grade., (2) For a segment of non-defaulted retail exposures, the FDIC-supervised institution's empirically based best estimate of the long-run average one-year default rate for the exposures in the segment, capturing the average default experience for exposures in the segment over a mix of economic conditions (including economic downturn conditions) sufficient to provide a reasonable estimate of the average one-year default rate over the economic cycle for the segment., (3) For a wholesale exposure to a defaulted obligor or segment of defaulted retail exposures, 100 percent., Qualifying cross-product master netting agreement means a qualifying master netting agreement that provides for termination and close-out netting across multiple types of financial transactions or qualifying master netting agreements in the event of a counterparty's default, provided that the underlying financial transactions are OTC derivative contracts, eligible margin loans, or repo-style transactions. In order to treat an agreement as a qualifying cross-product master netting agreement for purposes of this subpart, an FDIC-supervised institution must comply with the requirements of \u00a7 324.3(c) of this part with respect to that agreement., Qualifying revolving exposure (QRE) means an exposure (other than a securitization exposure or equity exposure) to an individual that is managed as part of a segment of exposures with homogeneous risk characteristics, not on an individual-exposure basis, and:, (1) Is revolving (that is, the amount outstanding fluctuates, determined largely by a borrower's decision to borrow and repay up to a pre-established maximum amount, except for an outstanding amount that the borrower is required to pay in full every month);, (2) Is unsecured and unconditionally cancelable by the FDIC-supervised institution to the fullest extent permitted by Federal law; and, (3)(i) Has a maximum contractual exposure amount (drawn plus undrawn) of up to $100,000; or, (ii) With respect to a product with an outstanding amount that the borrower is required to pay in full every month, the total outstanding amount does not in practice exceed $100,000., (4) A segment of exposures that contains one or more exposures that fails to meet paragraph (3)(ii) of this definition must be treated as a segment of other retail exposures for the 24 month period following the month in which the total outstanding amount of one or more exposures individually exceeds $100,000., Retail exposure means a residential mortgage exposure, a qualifying revolving exposure, or an other retail exposure., Retail exposure subcategory means the residential mortgage exposure, qualifying revolving exposure, or other retail exposure subcategory., Risk parameter means a variable used in determining risk-based capital requirements for wholesale and retail exposures, specifically probability of default (PD), loss given default (LGD), exposure at default (EAD), or effective maturity (M)., Scenario analysis means a systematic process of obtaining expert opinions from business managers and risk management experts to derive reasoned assessments of the likelihood and loss impact of plausible high-severity operational losses. Scenario analysis may include the well-reasoned evaluation and use of external operational loss event data, adjusted as appropriate to ensure relevance to an FDIC-supervised institution's operational risk profile and control structure., Total wholesale and retail risk-weighted assets means the sum of:, (1) Risk-weighted assets for wholesale exposures that are not IMM exposures, cleared transactions, or default fund contributions to non-defaulted obligors and segments of non-defaulted retail exposures;, (2) Risk-weighted assets for wholesale exposures to defaulted obligors and segments of defaulted retail exposures;, (3) Risk-weighted assets for assets not defined by an exposure category;, (4) Risk-weighted assets for non-material portfolios of exposures;, (5) Risk-weighted assets for IMM exposures (as determined in \u00a7 324.132(d));, (6) Risk-weighted assets for cleared transactions and risk-weighted assets for default fund contributions (as determined in \u00a7 324.133); and, (7) Risk-weighted assets for unsettled transactions (as determined in \u00a7 324.136)., Unexpected operational loss (UOL) means the difference between the FDIC-supervised institution's operational risk exposure and the FDIC-supervised institution's expected operational loss., Unit of measure means the level (for example, organizational unit or operational loss event type) at which the FDIC-supervised institution's operational risk quantification system generates a separate distribution of potential operational losses., Wholesale exposure means a credit exposure to a company, natural person, sovereign, or governmental entity (other than a securitization exposure, retail exposure, pre-sold construction loan, or equity exposure)., Wholesale exposure subcategory means the HVCRE or non-HVCRE wholesale exposure subcategory.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["324"],"part_title":["PART 324 - CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS"],"section":["324.101"],"section_title":["\u00a7 324.101 Definitions."]},"_input_hash":-1815493642,"_task_hash":1168628364,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829861,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"Except as otherwise defined, the term Farm Credit institutions refers to all institutions chartered and regulated by the Farm Credit Administration as described in section 1.2 of the Act, and to the Funding Corporation.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["619"],"part_title":["PART 619 - DEFINITIONS"],"section":["619.9146"],"section_title":["\u00a7 619.9146 Farm Credit institutions."]},"_input_hash":-50775049,"_task_hash":383379013,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844153,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"Except as otherwise defined, the term Farm Credit institutions refers to all institutions chartered and regulated by the Farm Credit Administration as described in section 1.2 of the Act, and to the Funding Corporation.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["619"],"part_title":["PART 619 - DEFINITIONS"],"section":["619.9146"],"section_title":["\u00a7 619.9146 Farm Credit institutions."]},"_input_hash":-50775049,"_task_hash":383379013,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814577,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"Except as otherwise defined, the term Farm Credit institutions refers to all institutions chartered and regulated by the Farm Credit Administration as described in section 1.2 of the Act, and to the Funding Corporation.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["619"],"part_title":["PART 619 - DEFINITIONS"],"section":["619.9146"],"section_title":["\u00a7 619.9146 Farm Credit institutions."]},"_input_hash":-50775049,"_task_hash":1901104097,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829871,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Appraiser certification or licensing of owners. (1) An AMC subject to State registration pursuant to this section shall not be registered by a State or included on the AMC National Registry if such AMC, in whole or in part, directly or indirectly, is owned by any person who has had an appraiser license or certificate refused, denied, cancelled, surrendered in lieu of revocation, or revoked in any State for a substantive cause, as determined by the appropriate State appraiser certifying and licensing agency., (2) An AMC subject to State registration pursuant to this section is not barred by \u00a7 323.11(a)(1) from being registered by a State or included on the AMC National Registry if the license or certificate of the appraiser with an ownership interest was not revoked for a substantive cause and has been reinstated by the State or States in which the appraiser was licensed or certified., (b) Good moral character of owners. An AMC shall not be registered by a State if any person that owns more than 10 percent of the AMC - , (1) Is determined by the State appraiser certifying and licensing agency not to have good moral character; or, (2) Fails to submit to a background investigation carried out by the State appraiser certifying and licensing agency.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["323"],"part_title":["PART 323 - APPRAISALS"],"section":["323.12"],"section_title":["\u00a7 323.12 Ownership limitations for State-registered appraisal management companies."]},"_input_hash":-2085513506,"_task_hash":-758995245,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844156,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Appraiser certification or licensing of owners. (1) An AMC subject to State registration pursuant to this section shall not be registered by a State or included on the AMC National Registry if such AMC, in whole or in part, directly or indirectly, is owned by any person who has had an appraiser license or certificate refused, denied, cancelled, surrendered in lieu of revocation, or revoked in any State for a substantive cause, as determined by the appropriate State appraiser certifying and licensing agency., (2) An AMC subject to State registration pursuant to this section is not barred by \u00a7 323.11(a)(1) from being registered by a State or included on the AMC National Registry if the license or certificate of the appraiser with an ownership interest was not revoked for a substantive cause and has been reinstated by the State or States in which the appraiser was licensed or certified., (b) Good moral character of owners. An AMC shall not be registered by a State if any person that owns more than 10 percent of the AMC - , (1) Is determined by the State appraiser certifying and licensing agency not to have good moral character; or, (2) Fails to submit to a background investigation carried out by the State appraiser certifying and licensing agency.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["323"],"part_title":["PART 323 - APPRAISALS"],"section":["323.12"],"section_title":["\u00a7 323.12 Ownership limitations for State-registered appraisal management companies."]},"_input_hash":-2085513506,"_task_hash":-758995245,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814620,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Appraiser certification or licensing of owners. (1) An AMC subject to State registration pursuant to this section shall not be registered by a State or included on the AMC National Registry if such AMC, in whole or in part, directly or indirectly, is owned by any person who has had an appraiser license or certificate refused, denied, cancelled, surrendered in lieu of revocation, or revoked in any State for a substantive cause, as determined by the appropriate State appraiser certifying and licensing agency., (2) An AMC subject to State registration pursuant to this section is not barred by \u00a7 323.11(a)(1) from being registered by a State or included on the AMC National Registry if the license or certificate of the appraiser with an ownership interest was not revoked for a substantive cause and has been reinstated by the State or States in which the appraiser was licensed or certified., (b) Good moral character of owners. An AMC shall not be registered by a State if any person that owns more than 10 percent of the AMC - , (1) Is determined by the State appraiser certifying and licensing agency not to have good moral character; or, (2) Fails to submit to a background investigation carried out by the State appraiser certifying and licensing agency.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["323"],"part_title":["PART 323 - APPRAISALS"],"section":["323.12"],"section_title":["\u00a7 323.12 Ownership limitations for State-registered appraisal management companies."]},"_input_hash":-2085513506,"_task_hash":824310717,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829875,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"Under policies approved by the bank board and procedures developed by the bank, production credit associations and agricultural credit associations may make the following special types of loans on commodities covered by price support programs. Notwithstanding the regulations covering other loans made by an association, loans may be made to members on any commodity for which a Commodity Credit Corporation price support program is in effect, at such rate of interest and upon such terms as the bank board may prescribe subject to the following conditions: , (a) The commodity offered as security for the loan shall be eligible for price support under a Commodity Credit Corporation price support program and shall be stored in a bonded public warehouse, holding storage agreement for such commodity approved by Commodity Credit Corporation. , (b) The member shall have complied with all Commodity Credit Corporation eligibility requirements. , (c) The loan shall mature not later than 30 days prior to the expiration of the period during which the Commodity Credit Corporation loan or other price support may be obtained on the commodity and shall be secured by pledge of negotiable warehouse receipts covering the commodity. , (d) The borrower shall appoint the association as his attorney-in-fact to obtain a Commodity Credit Corporation loan (or other such price support as is available) in the event that the borrower fails to do so prior to maturity or repayment of the loan.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4530"],"section_title":["\u00a7 614.4530 Special loans, production credit associations and agricultural credit associations."]},"_input_hash":1674017989,"_task_hash":-2126339647,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844178,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\""],"versions":[{"text":"Under policies approved by the bank board and procedures developed by the bank, production credit associations and agricultural credit associations may make the following special types of loans on commodities covered by price support programs. Notwithstanding the regulations covering other loans made by an association, loans may be made to members on any commodity for which a Commodity Credit Corporation price support program is in effect, at such rate of interest and upon such terms as the bank board may prescribe subject to the following conditions: , (a) The commodity offered as security for the loan shall be eligible for price support under a Commodity Credit Corporation price support program and shall be stored in a bonded public warehouse, holding storage agreement for such commodity approved by Commodity Credit Corporation. , (b) The member shall have complied with all Commodity Credit Corporation eligibility requirements. , (c) The loan shall mature not later than 30 days prior to the expiration of the period during which the Commodity Credit Corporation loan or other price support may be obtained on the commodity and shall be secured by pledge of negotiable warehouse receipts covering the commodity. , (d) The borrower shall appoint the association as his attorney-in-fact to obtain a Commodity Credit Corporation loan (or other such price support as is available) in the event that the borrower fails to do so prior to maturity or repayment of the loan.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4530"],"section_title":["\u00a7 614.4530 Special loans, production credit associations and agricultural credit associations."]},"_input_hash":1674017989,"_task_hash":-2126339647,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814661,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":true},{"text":"Under policies approved by the bank board and procedures developed by the bank, production credit associations and agricultural credit associations may make the following special types of loans on commodities covered by price support programs. Notwithstanding the regulations covering other loans made by an association, loans may be made to members on any commodity for which a Commodity Credit Corporation price support program is in effect, at such rate of interest and upon such terms as the bank board may prescribe subject to the following conditions: , (a) The commodity offered as security for the loan shall be eligible for price support under a Commodity Credit Corporation price support program and shall be stored in a bonded public warehouse, holding storage agreement for such commodity approved by Commodity Credit Corporation. , (b) The member shall have complied with all Commodity Credit Corporation eligibility requirements. , (c) The loan shall mature not later than 30 days prior to the expiration of the period during which the Commodity Credit Corporation loan or other price support may be obtained on the commodity and shall be secured by pledge of negotiable warehouse receipts covering the commodity. , (d) The borrower shall appoint the association as his attorney-in-fact to obtain a Commodity Credit Corporation loan (or other such price support as is available) in the event that the borrower fails to do so prior to maturity or repayment of the loan.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4530"],"section_title":["\u00a7 614.4530 Special loans, production credit associations and agricultural credit associations."]},"_input_hash":1674017989,"_task_hash":-1238564250,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711822782,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"Under policies approved by the bank board and procedures developed by the bank, production credit associations and agricultural credit associations may make the following special types of loans on commodities covered by price support programs. Notwithstanding the regulations covering other loans made by an association, loans may be made to members on any commodity for which a Commodity Credit Corporation price support program is in effect, at such rate of interest and upon such terms as the bank board may prescribe subject to the following conditions: , (a) The commodity offered as security for the loan shall be eligible for price support under a Commodity Credit Corporation price support program and shall be stored in a bonded public warehouse, holding storage agreement for such commodity approved by Commodity Credit Corporation. , (b) The member shall have complied with all Commodity Credit Corporation eligibility requirements. , (c) The loan shall mature not later than 30 days prior to the expiration of the period during which the Commodity Credit Corporation loan or other price support may be obtained on the commodity and shall be secured by pledge of negotiable warehouse receipts covering the commodity. , (d) The borrower shall appoint the association as his attorney-in-fact to obtain a Commodity Credit Corporation loan (or other such price support as is available) in the event that the borrower fails to do so prior to maturity or repayment of the loan.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4530"],"section_title":["\u00a7 614.4530 Special loans, production credit associations and agricultural credit associations."]},"_input_hash":1674017989,"_task_hash":-591191557,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829886,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false},{"text":"Under policies approved by the bank board and procedures developed by the bank, production credit associations and agricultural credit associations may make the following special types of loans on commodities covered by price support programs. Notwithstanding the regulations covering other loans made by an association, loans may be made to members on any commodity for which a Commodity Credit Corporation price support program is in effect, at such rate of interest and upon such terms as the bank board may prescribe subject to the following conditions: , (a) The commodity offered as security for the loan shall be eligible for price support under a Commodity Credit Corporation price support program and shall be stored in a bonded public warehouse, holding storage agreement for such commodity approved by Commodity Credit Corporation. , (b) The member shall have complied with all Commodity Credit Corporation eligibility requirements. , (c) The loan shall mature not later than 30 days prior to the expiration of the period during which the Commodity Credit Corporation loan or other price support may be obtained on the commodity and shall be secured by pledge of negotiable warehouse receipts covering the commodity. , (d) The borrower shall appoint the association as his attorney-in-fact to obtain a Commodity Credit Corporation loan (or other such price support as is available) in the event that the borrower fails to do so prior to maturity or repayment of the loan.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4530"],"section_title":["\u00a7 614.4530 Special loans, production credit associations and agricultural credit associations."]},"_input_hash":1674017989,"_task_hash":1104879135,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711838519,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) If a hearing official determines that a debt is not legally due and owing to the United States, the FDIC shall promptly refund any amount collected by means of administrative wage garnishment. , (b) Unless required by federal law or contract, refunds under this section shall not bear interest. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["313"],"part_title":["PART 313 - PROCEDURES FOR COLLECTION OF CORPORATE DEBT, CRIMINAL RESTITUTION DEBT, AND CIVIL MONEY PENALTY DEBT"],"section":["313.100"],"section_title":["\u00a7 313.100 Refunds."]},"_input_hash":-846607976,"_task_hash":-865660852,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844180,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) If a hearing official determines that a debt is not legally due and owing to the United States, the FDIC shall promptly refund any amount collected by means of administrative wage garnishment. , (b) Unless required by federal law or contract, refunds under this section shall not bear interest. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["313"],"part_title":["PART 313 - PROCEDURES FOR COLLECTION OF CORPORATE DEBT, CRIMINAL RESTITUTION DEBT, AND CIVIL MONEY PENALTY DEBT"],"section":["313.100"],"section_title":["\u00a7 313.100 Refunds."]},"_input_hash":-846607976,"_task_hash":-865660852,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814673,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) If a hearing official determines that a debt is not legally due and owing to the United States, the FDIC shall promptly refund any amount collected by means of administrative wage garnishment. , (b) Unless required by federal law or contract, refunds under this section shall not bear interest. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["313"],"part_title":["PART 313 - PROCEDURES FOR COLLECTION OF CORPORATE DEBT, CRIMINAL RESTITUTION DEBT, AND CIVIL MONEY PENALTY DEBT"],"section":["313.100"],"section_title":["\u00a7 313.100 Refunds."]},"_input_hash":-846607976,"_task_hash":-2091606916,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829890,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) General rule. All proceedings governed by this part shall be conducted in accordance with the provisions of chapter 5 of title 5 of the United States Code. The administrative law judge shall have all powers necessary to conduct a proceeding in a fair and impartial manner and to avoid unnecessary delay. , (b) Powers. The administrative law judge shall have all powers necessary to conduct the proceeding in accordance with paragraph (a) of this section, including the following powers:, (1) To administer oaths and affirmations;, (2) To issue subpoenas, subpoenas duces tecum, and protective orders, as authorized by this part, and to quash or modify any such subpoenas and orders;, (3) To receive relevant evidence and to rule upon the admission of evidence and offers of proof;, (4) To take or cause depositions to be taken as authorized by this subpart; , (5) To regulate the course of the hearing and the conduct of the parties and their counsel;, (6) To hold scheduling and/or pre-hearing conferences as set forth in \u00a7 263.31;, (7) To consider and rule upon all procedural and other motions appropriate in an adjudicatory proceeding, provided that only the Board shall have the power to grant any motion to dismiss the proceeding or to decide any other motion that results in a final determination of the merits of the proceeding; , (8) To prepare and present to the Board a recommended decision as provided herein;, (9) To recuse himself or herself by motion made by a party or on his or her own motion; , (10) To establish time, place and manner limitations on the attendance of the public and the media for any public hearing; and, (11) To do all other things necessary and appropriate to discharge the duties of a presiding officer.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["263"],"part_title":["PART 263 - RULES OF PRACTICE FOR HEARINGS"],"section":["263.5"],"section_title":["\u00a7 263.5 Authority of the administrative law judge."]},"_input_hash":-376209105,"_task_hash":-623986861,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844184,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"(a) General rule. All proceedings governed by this part shall be conducted in accordance with the provisions of chapter 5 of title 5 of the United States Code. The administrative law judge shall have all powers necessary to conduct a proceeding in a fair and impartial manner and to avoid unnecessary delay. , (b) Powers. The administrative law judge shall have all powers necessary to conduct the proceeding in accordance with paragraph (a) of this section, including the following powers:, (1) To administer oaths and affirmations;, (2) To issue subpoenas, subpoenas duces tecum, and protective orders, as authorized by this part, and to quash or modify any such subpoenas and orders;, (3) To receive relevant evidence and to rule upon the admission of evidence and offers of proof;, (4) To take or cause depositions to be taken as authorized by this subpart; , (5) To regulate the course of the hearing and the conduct of the parties and their counsel;, (6) To hold scheduling and/or pre-hearing conferences as set forth in \u00a7 263.31;, (7) To consider and rule upon all procedural and other motions appropriate in an adjudicatory proceeding, provided that only the Board shall have the power to grant any motion to dismiss the proceeding or to decide any other motion that results in a final determination of the merits of the proceeding; , (8) To prepare and present to the Board a recommended decision as provided herein;, (9) To recuse himself or herself by motion made by a party or on his or her own motion; , (10) To establish time, place and manner limitations on the attendance of the public and the media for any public hearing; and, (11) To do all other things necessary and appropriate to discharge the duties of a presiding officer.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["263"],"part_title":["PART 263 - RULES OF PRACTICE FOR HEARINGS"],"section":["263.5"],"section_title":["\u00a7 263.5 Authority of the administrative law judge."]},"_input_hash":-376209105,"_task_hash":-623986861,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814684,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"(a) General rule. All proceedings governed by this part shall be conducted in accordance with the provisions of chapter 5 of title 5 of the United States Code. The administrative law judge shall have all powers necessary to conduct a proceeding in a fair and impartial manner and to avoid unnecessary delay. , (b) Powers. The administrative law judge shall have all powers necessary to conduct the proceeding in accordance with paragraph (a) of this section, including the following powers:, (1) To administer oaths and affirmations;, (2) To issue subpoenas, subpoenas duces tecum, and protective orders, as authorized by this part, and to quash or modify any such subpoenas and orders;, (3) To receive relevant evidence and to rule upon the admission of evidence and offers of proof;, (4) To take or cause depositions to be taken as authorized by this subpart; , (5) To regulate the course of the hearing and the conduct of the parties and their counsel;, (6) To hold scheduling and/or pre-hearing conferences as set forth in \u00a7 263.31;, (7) To consider and rule upon all procedural and other motions appropriate in an adjudicatory proceeding, provided that only the Board shall have the power to grant any motion to dismiss the proceeding or to decide any other motion that results in a final determination of the merits of the proceeding; , (8) To prepare and present to the Board a recommended decision as provided herein;, (9) To recuse himself or herself by motion made by a party or on his or her own motion; , (10) To establish time, place and manner limitations on the attendance of the public and the media for any public hearing; and, (11) To do all other things necessary and appropriate to discharge the duties of a presiding officer.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["263"],"part_title":["PART 263 - RULES OF PRACTICE FOR HEARINGS"],"section":["263.5"],"section_title":["\u00a7 263.5 Authority of the administrative law judge."]},"_input_hash":-376209105,"_task_hash":502233677,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711822805,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Authority. This part is issued by the Board of Governors of the Federal Reserve System (the Board) under the authority of section 2(c)(2)(E) of the Commodity Exchange Act (7 U.S.C. 2(c)(2)(E)), sections 9 and 11 of the Federal Reserve Act (12 U.S.C. 321-338 and 248), section 5(b) of the Bank Holding Company Act of 1956 (12 U.S.C. 1844(b)), sections 9 and 13a of the International Banking Act of 1978 (12 U.S.C. 3106a and 3108), and sections 3(q) and 8 of the Federal Deposit Insurance Act (12 U.S.C. 1813(q) and 1818)., (b) Purpose. This part establishes rules applicable to retail foreign exchange transactions engaged in by banking institutions on or after May 13, 2013., (c) Scope. Except as provided in paragraph (d) of this section, this part applies to banking institutions, as defined in section 240.2(b) of this part, and any branches or offices of those institutions wherever located. This part applies to subsidiaries of banking institutions organized under the laws of the United States or any U.S. state that are not subject to the jurisdiction of another federal regulatory agency authorized to prescribe rules or regulations under section 2(c)(2)(E) of the Commodity Exchange Act (7 U.S.C. (2)(c)(2)(E))., (d) International applicability. Sections 240.3 and 240.5 through 240.16 do not apply to retail foreign exchange transactions between a foreign branch or office of a banking institution and a non-U.S. customer. With respect to those transactions, the foreign branch or office remains subject to any disclosure, recordkeeping, capital, margin, reporting, business conduct, documentation, and other requirements of applicable foreign law.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["240"],"part_title":["PART 240 - RETAIL FOREIGN EXCHANGE TRANSACTIONS (REGULATION NN)"],"section":["240.1"],"section_title":["\u00a7 240.1 Authority, purpose and scope."]},"_input_hash":-1075203098,"_task_hash":1998480788,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844186,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"(a) Authority. This part is issued by the Board of Governors of the Federal Reserve System (the Board) under the authority of section 2(c)(2)(E) of the Commodity Exchange Act (7 U.S.C. 2(c)(2)(E)), sections 9 and 11 of the Federal Reserve Act (12 U.S.C. 321-338 and 248), section 5(b) of the Bank Holding Company Act of 1956 (12 U.S.C. 1844(b)), sections 9 and 13a of the International Banking Act of 1978 (12 U.S.C. 3106a and 3108), and sections 3(q) and 8 of the Federal Deposit Insurance Act (12 U.S.C. 1813(q) and 1818)., (b) Purpose. This part establishes rules applicable to retail foreign exchange transactions engaged in by banking institutions on or after May 13, 2013., (c) Scope. Except as provided in paragraph (d) of this section, this part applies to banking institutions, as defined in section 240.2(b) of this part, and any branches or offices of those institutions wherever located. This part applies to subsidiaries of banking institutions organized under the laws of the United States or any U.S. state that are not subject to the jurisdiction of another federal regulatory agency authorized to prescribe rules or regulations under section 2(c)(2)(E) of the Commodity Exchange Act (7 U.S.C. (2)(c)(2)(E))., (d) International applicability. Sections 240.3 and 240.5 through 240.16 do not apply to retail foreign exchange transactions between a foreign branch or office of a banking institution and a non-U.S. customer. With respect to those transactions, the foreign branch or office remains subject to any disclosure, recordkeeping, capital, margin, reporting, business conduct, documentation, and other requirements of applicable foreign law.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["240"],"part_title":["PART 240 - RETAIL FOREIGN EXCHANGE TRANSACTIONS (REGULATION NN)"],"section":["240.1"],"section_title":["\u00a7 240.1 Authority, purpose and scope."]},"_input_hash":-1075203098,"_task_hash":1998480788,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814728,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"(a) Authority. This part is issued by the Board of Governors of the Federal Reserve System (the Board) under the authority of section 2(c)(2)(E) of the Commodity Exchange Act (7 U.S.C. 2(c)(2)(E)), sections 9 and 11 of the Federal Reserve Act (12 U.S.C. 321-338 and 248), section 5(b) of the Bank Holding Company Act of 1956 (12 U.S.C. 1844(b)), sections 9 and 13a of the International Banking Act of 1978 (12 U.S.C. 3106a and 3108), and sections 3(q) and 8 of the Federal Deposit Insurance Act (12 U.S.C. 1813(q) and 1818)., (b) Purpose. This part establishes rules applicable to retail foreign exchange transactions engaged in by banking institutions on or after May 13, 2013., (c) Scope. Except as provided in paragraph (d) of this section, this part applies to banking institutions, as defined in section 240.2(b) of this part, and any branches or offices of those institutions wherever located. This part applies to subsidiaries of banking institutions organized under the laws of the United States or any U.S. state that are not subject to the jurisdiction of another federal regulatory agency authorized to prescribe rules or regulations under section 2(c)(2)(E) of the Commodity Exchange Act (7 U.S.C. (2)(c)(2)(E))., (d) International applicability. Sections 240.3 and 240.5 through 240.16 do not apply to retail foreign exchange transactions between a foreign branch or office of a banking institution and a non-U.S. customer. With respect to those transactions, the foreign branch or office remains subject to any disclosure, recordkeeping, capital, margin, reporting, business conduct, documentation, and other requirements of applicable foreign law.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["240"],"part_title":["PART 240 - RETAIL FOREIGN EXCHANGE TRANSACTIONS (REGULATION NN)"],"section":["240.1"],"section_title":["\u00a7 240.1 Authority, purpose and scope."]},"_input_hash":-1075203098,"_task_hash":-1802801614,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711822824,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) Authority. This part is issued by the Board of Governors of the Federal Reserve System (the Board) under the authority of section 2(c)(2)(E) of the Commodity Exchange Act (7 U.S.C. 2(c)(2)(E)), sections 9 and 11 of the Federal Reserve Act (12 U.S.C. 321-338 and 248), section 5(b) of the Bank Holding Company Act of 1956 (12 U.S.C. 1844(b)), sections 9 and 13a of the International Banking Act of 1978 (12 U.S.C. 3106a and 3108), and sections 3(q) and 8 of the Federal Deposit Insurance Act (12 U.S.C. 1813(q) and 1818)., (b) Purpose. This part establishes rules applicable to retail foreign exchange transactions engaged in by banking institutions on or after May 13, 2013., (c) Scope. Except as provided in paragraph (d) of this section, this part applies to banking institutions, as defined in section 240.2(b) of this part, and any branches or offices of those institutions wherever located. This part applies to subsidiaries of banking institutions organized under the laws of the United States or any U.S. state that are not subject to the jurisdiction of another federal regulatory agency authorized to prescribe rules or regulations under section 2(c)(2)(E) of the Commodity Exchange Act (7 U.S.C. (2)(c)(2)(E))., (d) International applicability. Sections 240.3 and 240.5 through 240.16 do not apply to retail foreign exchange transactions between a foreign branch or office of a banking institution and a non-U.S. customer. With respect to those transactions, the foreign branch or office remains subject to any disclosure, recordkeeping, capital, margin, reporting, business conduct, documentation, and other requirements of applicable foreign law.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["240"],"part_title":["PART 240 - RETAIL FOREIGN EXCHANGE TRANSACTIONS (REGULATION NN)"],"section":["240.1"],"section_title":["\u00a7 240.1 Authority, purpose and scope."]},"_input_hash":-1075203098,"_task_hash":-1060876071,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711838638,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a)(1) When a creditor agency receives a debtor's request for inspection of agency records, the offset is stayed for 10 calendar days beyond the date set for the record inspection. , (2) When a creditor agency receives a debtor's offer to enter into a repayment agreement, the offset is stayed until the debtor is notified as to whether the proposed agreement is acceptable. , (3) When a review is conducted, the offset is stayed until the creditor agency issues a final written decision. , (b) When offset is stayed, the amount of the debt and the amount of any accrued interest or other charges will be withheld from payments to the debtor. The withheld amounts shall not be applied against the debt until the stay expires. If withheld funds are later determined not to be subject to offset, they will be promptly refunded to the debtor. , (c) If the FCA is the creditor agency and the offset is stayed, the FCA will immediately notify an offsetting agency to withhold the payment pending termination of the stay. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ADMINISTRATIVE PROVISIONS"],"part":["608"],"part_title":["PART 608 - COLLECTION OF CLAIMS OWED THE UNITED STATES"],"section":["608.826"],"section_title":["\u00a7 608.826 Stay of offset."]},"_input_hash":715406116,"_task_hash":215518905,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844187,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a)(1) When a creditor agency receives a debtor's request for inspection of agency records, the offset is stayed for 10 calendar days beyond the date set for the record inspection. , (2) When a creditor agency receives a debtor's offer to enter into a repayment agreement, the offset is stayed until the debtor is notified as to whether the proposed agreement is acceptable. , (3) When a review is conducted, the offset is stayed until the creditor agency issues a final written decision. , (b) When offset is stayed, the amount of the debt and the amount of any accrued interest or other charges will be withheld from payments to the debtor. The withheld amounts shall not be applied against the debt until the stay expires. If withheld funds are later determined not to be subject to offset, they will be promptly refunded to the debtor. , (c) If the FCA is the creditor agency and the offset is stayed, the FCA will immediately notify an offsetting agency to withhold the payment pending termination of the stay. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ADMINISTRATIVE PROVISIONS"],"part":["608"],"part_title":["PART 608 - COLLECTION OF CLAIMS OWED THE UNITED STATES"],"section":["608.826"],"section_title":["\u00a7 608.826 Stay of offset."]},"_input_hash":715406116,"_task_hash":215518905,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814749,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a)(1) When a creditor agency receives a debtor's request for inspection of agency records, the offset is stayed for 10 calendar days beyond the date set for the record inspection. , (2) When a creditor agency receives a debtor's offer to enter into a repayment agreement, the offset is stayed until the debtor is notified as to whether the proposed agreement is acceptable. , (3) When a review is conducted, the offset is stayed until the creditor agency issues a final written decision. , (b) When offset is stayed, the amount of the debt and the amount of any accrued interest or other charges will be withheld from payments to the debtor. The withheld amounts shall not be applied against the debt until the stay expires. If withheld funds are later determined not to be subject to offset, they will be promptly refunded to the debtor. , (c) If the FCA is the creditor agency and the offset is stayed, the FCA will immediately notify an offsetting agency to withhold the payment pending termination of the stay. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ADMINISTRATIVE PROVISIONS"],"part":["608"],"part_title":["PART 608 - COLLECTION OF CLAIMS OWED THE UNITED STATES"],"section":["608.826"],"section_title":["\u00a7 608.826 Stay of offset."]},"_input_hash":715406116,"_task_hash":-1082788627,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711822850,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false}],"view_id":"choice"}
+{"text":"At the written request of a senior examiner or former senior examiner, the Director may waive the post-employment restriction in \u00a7 1212.3 if he or she certifies, in writing, and on a case-by-case basis, that granting a waiver of such restriction does not affect the integrity of the supervisory program of FHFA.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1212"],"part_title":["PART 1212 - POST-EMPLOYMENT RESTRICTION FOR SENIOR EXAMINERS"],"section":["1212.4"],"section_title":["\u00a7 1212.4 Waiver."]},"_input_hash":-1356980374,"_task_hash":272102541,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844188,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"At the written request of a senior examiner or former senior examiner, the Director may waive the post-employment restriction in \u00a7 1212.3 if he or she certifies, in writing, and on a case-by-case basis, that granting a waiver of such restriction does not affect the integrity of the supervisory program of FHFA.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1212"],"part_title":["PART 1212 - POST-EMPLOYMENT RESTRICTION FOR SENIOR EXAMINERS"],"section":["1212.4"],"section_title":["\u00a7 1212.4 Waiver."]},"_input_hash":-1356980374,"_task_hash":272102541,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814763,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"At the written request of a senior examiner or former senior examiner, the Director may waive the post-employment restriction in \u00a7 1212.3 if he or she certifies, in writing, and on a case-by-case basis, that granting a waiver of such restriction does not affect the integrity of the supervisory program of FHFA.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1212"],"part_title":["PART 1212 - POST-EMPLOYMENT RESTRICTION FOR SENIOR EXAMINERS"],"section":["1212.4"],"section_title":["\u00a7 1212.4 Waiver."]},"_input_hash":-1356980374,"_task_hash":1270206872,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711822884,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"At the written request of a senior examiner or former senior examiner, the Director may waive the post-employment restriction in \u00a7 1212.3 if he or she certifies, in writing, and on a case-by-case basis, that granting a waiver of such restriction does not affect the integrity of the supervisory program of FHFA.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1212"],"part_title":["PART 1212 - POST-EMPLOYMENT RESTRICTION FOR SENIOR EXAMINERS"],"section":["1212.4"],"section_title":["\u00a7 1212.4 Waiver."]},"_input_hash":-1356980374,"_task_hash":914048466,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829931,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Modification procedure. If, prior to or after final disbursement of funds to a project from all funding sources, in order to remedy noncompliance or receive additional subsidy, there is or will be a change in the project that would change the score that the project application received in the AHP funding round in which it was originally scored and approved, had the changed facts been operative at that time, a Bank shall approve in writing a request for a modification to the terms of the approved application, provided that:, (1) The Bank first requests that the project sponsor or owner make a reasonable effort to cure any noncompliance within a reasonable period of time, and the noncompliance could not be cured within a reasonable period of time;, (2) The project, incorporating any such changes, would meet the eligibility requirements of this part;, (3) The application, as reflective of such changes, continues to score high enough to have been approved in the AHP funding round in which the application was originally scored and approved by the Bank, which is as high as the lowest ranking alternate approved for funding by the Bank if the Bank has a written policy to approve alternates for funding; and, (4) There is good cause for the modification, which may not be solely remediation of noncompliance, and the analysis and justification for the modification, including why a cure of noncompliance was not successful or attempted, are documented by the Bank in writing., (b) AHP subsidy increases; no delegation - (1) AHP subsidy increases. A Bank's board of directors may, in its discretion, approve or disapprove requests for modifications involving an increase in AHP subsidy in accordance with the requirements of paragraph (a) of this section., (2) No delegation. The authority to approve or disapprove requests for modifications involving an increase in AHP subsidy shall not be delegated by the Bank's board of directors to Bank officers or other Bank employees.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["E"],"subchapter_title":["SUBCHAPTER E - HOUSING GOALS AND MISSION"],"part":["1291"],"part_title":["PART 1291 - FEDERAL HOME LOAN BANKS' AFFORDABLE HOUSING PROGRAM"],"section":["1291.29"],"section_title":["\u00a7 1291.29 Modifications of approved AHP applications."]},"_input_hash":-1280653519,"_task_hash":1217931714,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844191,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Modification procedure. If, prior to or after final disbursement of funds to a project from all funding sources, in order to remedy noncompliance or receive additional subsidy, there is or will be a change in the project that would change the score that the project application received in the AHP funding round in which it was originally scored and approved, had the changed facts been operative at that time, a Bank shall approve in writing a request for a modification to the terms of the approved application, provided that:, (1) The Bank first requests that the project sponsor or owner make a reasonable effort to cure any noncompliance within a reasonable period of time, and the noncompliance could not be cured within a reasonable period of time;, (2) The project, incorporating any such changes, would meet the eligibility requirements of this part;, (3) The application, as reflective of such changes, continues to score high enough to have been approved in the AHP funding round in which the application was originally scored and approved by the Bank, which is as high as the lowest ranking alternate approved for funding by the Bank if the Bank has a written policy to approve alternates for funding; and, (4) There is good cause for the modification, which may not be solely remediation of noncompliance, and the analysis and justification for the modification, including why a cure of noncompliance was not successful or attempted, are documented by the Bank in writing., (b) AHP subsidy increases; no delegation - (1) AHP subsidy increases. A Bank's board of directors may, in its discretion, approve or disapprove requests for modifications involving an increase in AHP subsidy in accordance with the requirements of paragraph (a) of this section., (2) No delegation. The authority to approve or disapprove requests for modifications involving an increase in AHP subsidy shall not be delegated by the Bank's board of directors to Bank officers or other Bank employees.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["E"],"subchapter_title":["SUBCHAPTER E - HOUSING GOALS AND MISSION"],"part":["1291"],"part_title":["PART 1291 - FEDERAL HOME LOAN BANKS' AFFORDABLE HOUSING PROGRAM"],"section":["1291.29"],"section_title":["\u00a7 1291.29 Modifications of approved AHP applications."]},"_input_hash":-1280653519,"_task_hash":1116989946,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814775,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"(a) Modification procedure. If, prior to or after final disbursement of funds to a project from all funding sources, in order to remedy noncompliance or receive additional subsidy, there is or will be a change in the project that would change the score that the project application received in the AHP funding round in which it was originally scored and approved, had the changed facts been operative at that time, a Bank shall approve in writing a request for a modification to the terms of the approved application, provided that:, (1) The Bank first requests that the project sponsor or owner make a reasonable effort to cure any noncompliance within a reasonable period of time, and the noncompliance could not be cured within a reasonable period of time;, (2) The project, incorporating any such changes, would meet the eligibility requirements of this part;, (3) The application, as reflective of such changes, continues to score high enough to have been approved in the AHP funding round in which the application was originally scored and approved by the Bank, which is as high as the lowest ranking alternate approved for funding by the Bank if the Bank has a written policy to approve alternates for funding; and, (4) There is good cause for the modification, which may not be solely remediation of noncompliance, and the analysis and justification for the modification, including why a cure of noncompliance was not successful or attempted, are documented by the Bank in writing., (b) AHP subsidy increases; no delegation - (1) AHP subsidy increases. A Bank's board of directors may, in its discretion, approve or disapprove requests for modifications involving an increase in AHP subsidy in accordance with the requirements of paragraph (a) of this section., (2) No delegation. The authority to approve or disapprove requests for modifications involving an increase in AHP subsidy shall not be delegated by the Bank's board of directors to Bank officers or other Bank employees.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["E"],"subchapter_title":["SUBCHAPTER E - HOUSING GOALS AND MISSION"],"part":["1291"],"part_title":["PART 1291 - FEDERAL HOME LOAN BANKS' AFFORDABLE HOUSING PROGRAM"],"section":["1291.29"],"section_title":["\u00a7 1291.29 Modifications of approved AHP applications."]},"_input_hash":-1280653519,"_task_hash":1217931714,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711822913,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Modification procedure. If, prior to or after final disbursement of funds to a project from all funding sources, in order to remedy noncompliance or receive additional subsidy, there is or will be a change in the project that would change the score that the project application received in the AHP funding round in which it was originally scored and approved, had the changed facts been operative at that time, a Bank shall approve in writing a request for a modification to the terms of the approved application, provided that:, (1) The Bank first requests that the project sponsor or owner make a reasonable effort to cure any noncompliance within a reasonable period of time, and the noncompliance could not be cured within a reasonable period of time;, (2) The project, incorporating any such changes, would meet the eligibility requirements of this part;, (3) The application, as reflective of such changes, continues to score high enough to have been approved in the AHP funding round in which the application was originally scored and approved by the Bank, which is as high as the lowest ranking alternate approved for funding by the Bank if the Bank has a written policy to approve alternates for funding; and, (4) There is good cause for the modification, which may not be solely remediation of noncompliance, and the analysis and justification for the modification, including why a cure of noncompliance was not successful or attempted, are documented by the Bank in writing., (b) AHP subsidy increases; no delegation - (1) AHP subsidy increases. A Bank's board of directors may, in its discretion, approve or disapprove requests for modifications involving an increase in AHP subsidy in accordance with the requirements of paragraph (a) of this section., (2) No delegation. The authority to approve or disapprove requests for modifications involving an increase in AHP subsidy shall not be delegated by the Bank's board of directors to Bank officers or other Bank employees.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["E"],"subchapter_title":["SUBCHAPTER E - HOUSING GOALS AND MISSION"],"part":["1291"],"part_title":["PART 1291 - FEDERAL HOME LOAN BANKS' AFFORDABLE HOUSING PROGRAM"],"section":["1291.29"],"section_title":["\u00a7 1291.29 Modifications of approved AHP applications."]},"_input_hash":-1280653519,"_task_hash":-1075113317,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829936,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"The NCUA issues regulations and guidance as part of its supervisory function. This subpart reiterates the distinctions between regulations and guidance, as stated in the Interagency Statement Clarifying the Role of Supervisory Guidance (Interagency Statement) and provides that the Statement is binding on the NCUA.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["791"],"part_title":["PART 791 - RULES OF NCUA BOARD PROCEDURE; PROMULGATION OF NCUA RULES AND REGULATIONS; PUBLIC OBSERVATION OF NCUA BOARD MEETINGS"],"section":["791.19"],"section_title":["\u00a7 791.19 Purpose."]},"_input_hash":1575655566,"_task_hash":-1132846322,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844192,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"The NCUA issues regulations and guidance as part of its supervisory function. This subpart reiterates the distinctions between regulations and guidance, as stated in the Interagency Statement Clarifying the Role of Supervisory Guidance (Interagency Statement) and provides that the Statement is binding on the NCUA.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["791"],"part_title":["PART 791 - RULES OF NCUA BOARD PROCEDURE; PROMULGATION OF NCUA RULES AND REGULATIONS; PUBLIC OBSERVATION OF NCUA BOARD MEETINGS"],"section":["791.19"],"section_title":["\u00a7 791.19 Purpose."]},"_input_hash":1575655566,"_task_hash":-1132846322,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814789,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"The NCUA issues regulations and guidance as part of its supervisory function. This subpart reiterates the distinctions between regulations and guidance, as stated in the Interagency Statement Clarifying the Role of Supervisory Guidance (Interagency Statement) and provides that the Statement is binding on the NCUA.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["791"],"part_title":["PART 791 - RULES OF NCUA BOARD PROCEDURE; PROMULGATION OF NCUA RULES AND REGULATIONS; PUBLIC OBSERVATION OF NCUA BOARD MEETINGS"],"section":["791.19"],"section_title":["\u00a7 791.19 Purpose."]},"_input_hash":1575655566,"_task_hash":1737396739,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711838777,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"Loans made by each bank and direct lender association shall bear interest at a rate or rates as may be determined by the institution board. The board shall set interest rates or approve individual interest rate changes either on a case-by-case basis or pursuant to an interest rate plan within which management may establish rates. Any interest rate plan shall set loan-pricing policies and objectives, provide guidance regarding the circumstances under which management may adjust rates, and provide the upper and lower limits on management authority. Any interest rate plan adopted shall be reviewed on a continuing basis by the board, as well as in conjunction with its review and approval of the institution's operational and strategic business plan.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4155"],"section_title":["\u00a7 614.4155 Interest rates."]},"_input_hash":1206735797,"_task_hash":-1318266249,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844193,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"tyler\""],"versions":[{"text":"Loans made by each bank and direct lender association shall bear interest at a rate or rates as may be determined by the institution board. The board shall set interest rates or approve individual interest rate changes either on a case-by-case basis or pursuant to an interest rate plan within which management may establish rates. Any interest rate plan shall set loan-pricing policies and objectives, provide guidance regarding the circumstances under which management may adjust rates, and provide the upper and lower limits on management authority. Any interest rate plan adopted shall be reviewed on a continuing basis by the board, as well as in conjunction with its review and approval of the institution's operational and strategic business plan.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4155"],"section_title":["\u00a7 614.4155 Interest rates."]},"_input_hash":1206735797,"_task_hash":252009890,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814800,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"Loans made by each bank and direct lender association shall bear interest at a rate or rates as may be determined by the institution board. The board shall set interest rates or approve individual interest rate changes either on a case-by-case basis or pursuant to an interest rate plan within which management may establish rates. Any interest rate plan shall set loan-pricing policies and objectives, provide guidance regarding the circumstances under which management may adjust rates, and provide the upper and lower limits on management authority. Any interest rate plan adopted shall be reviewed on a continuing basis by the board, as well as in conjunction with its review and approval of the institution's operational and strategic business plan.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4155"],"section_title":["\u00a7 614.4155 Interest rates."]},"_input_hash":1206735797,"_task_hash":-1318266249,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711822938,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"For purposes of this part, the term:, Business relationship means any existing or potential interaction between a person and a regulated entity or the Office of Finance for the provision of goods or services. The term business relationship does not include any interaction between a mortgagor and a regulated entity that directly or indirectly owns, purchased, guarantees, or sold the mortgage., Director means the Director of FHFA or his or her designee., FHFA means the Federal Housing Finance Agency., Office of Finance means the Office of Finance of the Federal Home Loan Bank System., Person means an organization, business entity, or individual that has a business relationship with a regulated entity or the Office of Finance, or that represents the interests of a person that has a business relationship with a regulated entity or the Office of Finance. The term person does not include an individual borrower., Regulated entity means the Federal National Mortgage Association and any affiliate, the Federal Home Loan Mortgage Corporation and any affiliate, and any Federal Home Loan Bank.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1213"],"part_title":["PART 1213 - OFFICE OF THE OMBUDSMAN"],"section":["1213.2"],"section_title":["\u00a7 1213.2 Definitions."]},"_input_hash":1020502138,"_task_hash":-703222100,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844196,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"versions":[{"text":"For purposes of this part, the term:, Business relationship means any existing or potential interaction between a person and a regulated entity or the Office of Finance for the provision of goods or services. The term business relationship does not include any interaction between a mortgagor and a regulated entity that directly or indirectly owns, purchased, guarantees, or sold the mortgage., Director means the Director of FHFA or his or her designee., FHFA means the Federal Housing Finance Agency., Office of Finance means the Office of Finance of the Federal Home Loan Bank System., Person means an organization, business entity, or individual that has a business relationship with a regulated entity or the Office of Finance, or that represents the interests of a person that has a business relationship with a regulated entity or the Office of Finance. The term person does not include an individual borrower., Regulated entity means the Federal National Mortgage Association and any affiliate, the Federal Home Loan Mortgage Corporation and any affiliate, and any Federal Home Loan Bank.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1213"],"part_title":["PART 1213 - OFFICE OF THE OMBUDSMAN"],"section":["1213.2"],"section_title":["\u00a7 1213.2 Definitions."]},"_input_hash":1020502138,"_task_hash":-1136772679,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814810,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"For purposes of this part, the term:, Business relationship means any existing or potential interaction between a person and a regulated entity or the Office of Finance for the provision of goods or services. The term business relationship does not include any interaction between a mortgagor and a regulated entity that directly or indirectly owns, purchased, guarantees, or sold the mortgage., Director means the Director of FHFA or his or her designee., FHFA means the Federal Housing Finance Agency., Office of Finance means the Office of Finance of the Federal Home Loan Bank System., Person means an organization, business entity, or individual that has a business relationship with a regulated entity or the Office of Finance, or that represents the interests of a person that has a business relationship with a regulated entity or the Office of Finance. The term person does not include an individual borrower., Regulated entity means the Federal National Mortgage Association and any affiliate, the Federal Home Loan Mortgage Corporation and any affiliate, and any Federal Home Loan Bank.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1213"],"part_title":["PART 1213 - OFFICE OF THE OMBUDSMAN"],"section":["1213.2"],"section_title":["\u00a7 1213.2 Definitions."]},"_input_hash":1020502138,"_task_hash":-703222100,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711823004,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"default":true},{"text":"For purposes of this part, the term:, Business relationship means any existing or potential interaction between a person and a regulated entity or the Office of Finance for the provision of goods or services. The term business relationship does not include any interaction between a mortgagor and a regulated entity that directly or indirectly owns, purchased, guarantees, or sold the mortgage., Director means the Director of FHFA or his or her designee., FHFA means the Federal Housing Finance Agency., Office of Finance means the Office of Finance of the Federal Home Loan Bank System., Person means an organization, business entity, or individual that has a business relationship with a regulated entity or the Office of Finance, or that represents the interests of a person that has a business relationship with a regulated entity or the Office of Finance. The term person does not include an individual borrower., Regulated entity means the Federal National Mortgage Association and any affiliate, the Federal Home Loan Mortgage Corporation and any affiliate, and any Federal Home Loan Bank.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1213"],"part_title":["PART 1213 - OFFICE OF THE OMBUDSMAN"],"section":["1213.2"],"section_title":["\u00a7 1213.2 Definitions."]},"_input_hash":1020502138,"_task_hash":-537557301,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829956,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"For purposes of calculating risk-weighted assets under subpart D of this part:, (a) Cleared transaction. In order to recognize certain exposures as cleared transactions pursuant to paragraph (1)(ii), (iii), or (iv) of the definition of \u201ccleared transaction\u201d in \u00a7 628.2, the exposures must meet all of the requirements set forth in this paragraph (a)., (1) The offsetting transaction must be identified by the CCP as a transaction for the clearing member client., (2) The collateral supporting the transaction must be held in a manner that prevents the System institution from facing any loss due to an event of default, including from a liquidation, receivership, insolvency, or similar proceeding of either the clearing member or the clearing member's other clients. Omnibus accounts established under 17 CFR parts 190 and 300 satisfy the requirements of this paragraph (a)., (3) The System institution must conduct sufficient legal review to conclude with a well-founded basis (and maintain sufficient written documentation of that legal review) that in the event of a legal challenge (including one resulting from a default or receivership, insolvency, liquidation, or similar proceeding) the relevant court and administrative authorities would find the arrangements of paragraph (a)(2) of this section to be legal, valid, binding and enforceable under the law of the relevant jurisdictions., (4) The offsetting transaction with a clearing member must be transferable under the transaction documents and applicable laws in the relevant jurisdiction(s) to another clearing member should the clearing member default, become insolvent, or enter receivership, insolvency, liquidation, or similar proceedings., (b) Eligible margin loan. In order to recognize an exposure as an eligible margin loan as defined in \u00a7 628.2, a System institution must conduct sufficient legal review to conclude with a well-founded basis (and maintain sufficient written documentation of that legal review) that the agreement underlying the exposure:, (1) Meets the requirements of paragraph (1)(iii) of the definition of \u201celigible margin loan\u201d in \u00a7 628.2; and, (2) Is legal, valid, binding, and enforceable under applicable law in the relevant jurisdictions., (c) Reserved, (d) Qualifying master netting agreement. In order to recognize an agreement as a qualifying master netting agreement as defined in \u00a7 628.2, a System institution must:, (1) Conduct sufficient legal review to conclude with a well-founded basis (and maintain sufficient written documentation of that legal review) that:, (i) The agreement meets the requirements of paragraph (2) of the definition of \u201cqualifying master netting agreement\u201d in \u00a7 628.2; and, (ii) In the event of a legal challenge (including one resulting from default or from receivership, insolvency, liquidation, or similar proceeding) the relevant court and administrative authorities would find the agreement to be legal, valid, binding, and enforceable under the law of the relevant jurisdictions; and, (2) Establish and maintain written procedures to monitor possible changes in relevant law and to ensure that the agreement continues to satisfy the requirements of the definition of \u201cqualifying master netting agreement\u201d in \u00a7 628.2., (e) Repo-style transaction. In order to recognize an exposure as a repo-style transaction as defined in \u00a7 628.2, a System institution must conduct sufficient legal review to conclude with a well-founded basis (and maintain sufficient written documentation of that legal review) that the agreement underlying the exposure:, (1) Meets the requirements of paragraph (3) of the definition of \u201crepo-style transaction\u201d in \u00a7 628.2, and, (2) Is legal, valid, binding, and enforceable under applicable law in the relevant jurisdictions., (f) Failure of a QCCP to satisfy the rule's requirements. If a System institution determines that a CCP ceases to be a QCCP due to the failure of the CCP to satisfy one or more of the requirements set forth in paragraph (2)(i) through (iii) of the definition of a \u201cQCCP\u201d in \u00a7 628.2, the System institution may continue to treat the CCP as a QCCP for up to 3 months following the determination. If the CCP fails to remedy the relevant deficiency within 3 months after the initial determination, or the CCP fails to satisfy the requirements set forth in paragraph (2)(i) through (iii) of the definition of a QCCP continuously for a 3-month period after remedying the relevant deficiency, a System institution may not treat the CCP as a QCCP for the purposes of this part until after the System institution has determined that the CCP has satisfied the requirements in paragraph (2)(i) through (iii) of the definition of a QCCP for 3 continuous months.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["628"],"part_title":["PART 628 - CAPITAL ADEQUACY OF SYSTEM INSTITUTIONS"],"section":["628.3"],"section_title":["\u00a7 628.3 Operational requirements for certain exposures."]},"_input_hash":1418983200,"_task_hash":-1755984503,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844198,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"For purposes of calculating risk-weighted assets under subpart D of this part:, (a) Cleared transaction. In order to recognize certain exposures as cleared transactions pursuant to paragraph (1)(ii), (iii), or (iv) of the definition of \u201ccleared transaction\u201d in \u00a7 628.2, the exposures must meet all of the requirements set forth in this paragraph (a)., (1) The offsetting transaction must be identified by the CCP as a transaction for the clearing member client., (2) The collateral supporting the transaction must be held in a manner that prevents the System institution from facing any loss due to an event of default, including from a liquidation, receivership, insolvency, or similar proceeding of either the clearing member or the clearing member's other clients. Omnibus accounts established under 17 CFR parts 190 and 300 satisfy the requirements of this paragraph (a)., (3) The System institution must conduct sufficient legal review to conclude with a well-founded basis (and maintain sufficient written documentation of that legal review) that in the event of a legal challenge (including one resulting from a default or receivership, insolvency, liquidation, or similar proceeding) the relevant court and administrative authorities would find the arrangements of paragraph (a)(2) of this section to be legal, valid, binding and enforceable under the law of the relevant jurisdictions., (4) The offsetting transaction with a clearing member must be transferable under the transaction documents and applicable laws in the relevant jurisdiction(s) to another clearing member should the clearing member default, become insolvent, or enter receivership, insolvency, liquidation, or similar proceedings., (b) Eligible margin loan. In order to recognize an exposure as an eligible margin loan as defined in \u00a7 628.2, a System institution must conduct sufficient legal review to conclude with a well-founded basis (and maintain sufficient written documentation of that legal review) that the agreement underlying the exposure:, (1) Meets the requirements of paragraph (1)(iii) of the definition of \u201celigible margin loan\u201d in \u00a7 628.2; and, (2) Is legal, valid, binding, and enforceable under applicable law in the relevant jurisdictions., (c) Reserved, (d) Qualifying master netting agreement. In order to recognize an agreement as a qualifying master netting agreement as defined in \u00a7 628.2, a System institution must:, (1) Conduct sufficient legal review to conclude with a well-founded basis (and maintain sufficient written documentation of that legal review) that:, (i) The agreement meets the requirements of paragraph (2) of the definition of \u201cqualifying master netting agreement\u201d in \u00a7 628.2; and, (ii) In the event of a legal challenge (including one resulting from default or from receivership, insolvency, liquidation, or similar proceeding) the relevant court and administrative authorities would find the agreement to be legal, valid, binding, and enforceable under the law of the relevant jurisdictions; and, (2) Establish and maintain written procedures to monitor possible changes in relevant law and to ensure that the agreement continues to satisfy the requirements of the definition of \u201cqualifying master netting agreement\u201d in \u00a7 628.2., (e) Repo-style transaction. In order to recognize an exposure as a repo-style transaction as defined in \u00a7 628.2, a System institution must conduct sufficient legal review to conclude with a well-founded basis (and maintain sufficient written documentation of that legal review) that the agreement underlying the exposure:, (1) Meets the requirements of paragraph (3) of the definition of \u201crepo-style transaction\u201d in \u00a7 628.2, and, (2) Is legal, valid, binding, and enforceable under applicable law in the relevant jurisdictions., (f) Failure of a QCCP to satisfy the rule's requirements. If a System institution determines that a CCP ceases to be a QCCP due to the failure of the CCP to satisfy one or more of the requirements set forth in paragraph (2)(i) through (iii) of the definition of a \u201cQCCP\u201d in \u00a7 628.2, the System institution may continue to treat the CCP as a QCCP for up to 3 months following the determination. If the CCP fails to remedy the relevant deficiency within 3 months after the initial determination, or the CCP fails to satisfy the requirements set forth in paragraph (2)(i) through (iii) of the definition of a QCCP continuously for a 3-month period after remedying the relevant deficiency, a System institution may not treat the CCP as a QCCP for the purposes of this part until after the System institution has determined that the CCP has satisfied the requirements in paragraph (2)(i) through (iii) of the definition of a QCCP for 3 continuous months.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["628"],"part_title":["PART 628 - CAPITAL ADEQUACY OF SYSTEM INSTITUTIONS"],"section":["628.3"],"section_title":["\u00a7 628.3 Operational requirements for certain exposures."]},"_input_hash":1418983200,"_task_hash":-1755984503,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711814999,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"For purposes of calculating risk-weighted assets under subpart D of this part:, (a) Cleared transaction. In order to recognize certain exposures as cleared transactions pursuant to paragraph (1)(ii), (iii), or (iv) of the definition of \u201ccleared transaction\u201d in \u00a7 628.2, the exposures must meet all of the requirements set forth in this paragraph (a)., (1) The offsetting transaction must be identified by the CCP as a transaction for the clearing member client., (2) The collateral supporting the transaction must be held in a manner that prevents the System institution from facing any loss due to an event of default, including from a liquidation, receivership, insolvency, or similar proceeding of either the clearing member or the clearing member's other clients. Omnibus accounts established under 17 CFR parts 190 and 300 satisfy the requirements of this paragraph (a)., (3) The System institution must conduct sufficient legal review to conclude with a well-founded basis (and maintain sufficient written documentation of that legal review) that in the event of a legal challenge (including one resulting from a default or receivership, insolvency, liquidation, or similar proceeding) the relevant court and administrative authorities would find the arrangements of paragraph (a)(2) of this section to be legal, valid, binding and enforceable under the law of the relevant jurisdictions., (4) The offsetting transaction with a clearing member must be transferable under the transaction documents and applicable laws in the relevant jurisdiction(s) to another clearing member should the clearing member default, become insolvent, or enter receivership, insolvency, liquidation, or similar proceedings., (b) Eligible margin loan. In order to recognize an exposure as an eligible margin loan as defined in \u00a7 628.2, a System institution must conduct sufficient legal review to conclude with a well-founded basis (and maintain sufficient written documentation of that legal review) that the agreement underlying the exposure:, (1) Meets the requirements of paragraph (1)(iii) of the definition of \u201celigible margin loan\u201d in \u00a7 628.2; and, (2) Is legal, valid, binding, and enforceable under applicable law in the relevant jurisdictions., (c) Reserved, (d) Qualifying master netting agreement. In order to recognize an agreement as a qualifying master netting agreement as defined in \u00a7 628.2, a System institution must:, (1) Conduct sufficient legal review to conclude with a well-founded basis (and maintain sufficient written documentation of that legal review) that:, (i) The agreement meets the requirements of paragraph (2) of the definition of \u201cqualifying master netting agreement\u201d in \u00a7 628.2; and, (ii) In the event of a legal challenge (including one resulting from default or from receivership, insolvency, liquidation, or similar proceeding) the relevant court and administrative authorities would find the agreement to be legal, valid, binding, and enforceable under the law of the relevant jurisdictions; and, (2) Establish and maintain written procedures to monitor possible changes in relevant law and to ensure that the agreement continues to satisfy the requirements of the definition of \u201cqualifying master netting agreement\u201d in \u00a7 628.2., (e) Repo-style transaction. In order to recognize an exposure as a repo-style transaction as defined in \u00a7 628.2, a System institution must conduct sufficient legal review to conclude with a well-founded basis (and maintain sufficient written documentation of that legal review) that the agreement underlying the exposure:, (1) Meets the requirements of paragraph (3) of the definition of \u201crepo-style transaction\u201d in \u00a7 628.2, and, (2) Is legal, valid, binding, and enforceable under applicable law in the relevant jurisdictions., (f) Failure of a QCCP to satisfy the rule's requirements. If a System institution determines that a CCP ceases to be a QCCP due to the failure of the CCP to satisfy one or more of the requirements set forth in paragraph (2)(i) through (iii) of the definition of a \u201cQCCP\u201d in \u00a7 628.2, the System institution may continue to treat the CCP as a QCCP for up to 3 months following the determination. If the CCP fails to remedy the relevant deficiency within 3 months after the initial determination, or the CCP fails to satisfy the requirements set forth in paragraph (2)(i) through (iii) of the definition of a QCCP continuously for a 3-month period after remedying the relevant deficiency, a System institution may not treat the CCP as a QCCP for the purposes of this part until after the System institution has determined that the CCP has satisfied the requirements in paragraph (2)(i) through (iii) of the definition of a QCCP for 3 continuous months.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["628"],"part_title":["PART 628 - CAPITAL ADEQUACY OF SYSTEM INSTITUTIONS"],"section":["628.3"],"section_title":["\u00a7 628.3 Operational requirements for certain exposures."]},"_input_hash":1418983200,"_task_hash":-1681026066,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829964,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Notice and purchase of coverage. If a System institution, or a servicer acting on behalf of the System institution, determines at any time during the term of a designated loan, that the building or mobile home and any personal property securing the designated loan is not covered by flood insurance or is covered by flood insurance in an amount less than the amount required under \u00a7 614.4930, then the System institution, or a servicer acting on its behalf, shall notify the borrower that the borrower should obtain flood insurance, at the borrower's expense, in an amount at least equal to the amount required under \u00a7 614.4930, for the remaining term of the loan. If the borrower fails to obtain flood insurance within 45 days after notification, then the System institution, or its servicer, shall purchase insurance on the borrower's behalf. The System institution, or its servicer, may charge the borrower for the cost of premiums and fees incurred in purchasing the insurance, including premiums or fees incurred for coverage beginning on the date on which flood insurance coverage lapsed or did not provide a sufficient coverage amount., (b) Termination of force-placed insurance - (1) Termination and refund. Within 30 days of receipt by a System institution, or by a servicer acting on its behalf, of a confirmation of a borrower's existing flood insurance coverage, the System institution, or its servicer, shall:, (i) Notify the insurance provider to terminate any insurance purchased by the System institution, or its servicer, under paragraph (a) of this section; and, (ii) Refund to the borrower all premiums paid by the borrower for any insurance purchased by the System institution, or by its servicer, under paragraph (a) of this section during any period during which the borrower's flood insurance coverage and the insurance coverage purchased by the System institution, or its servicer, were each in effect, and any related fees charged to the borrower with respect to the insurance purchased by the System institution, or its servicer, during such period., (2) Sufficiency of demonstration. For purposes of confirming a borrower's existing flood insurance coverage under paragraph (b) of this section, a System institution, or a servicer acting on its behalf, shall accept from the borrower an insurance policy declarations page that includes the existing flood insurance policy number and the identity of, and contact information for, the insurance company or agent.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4945"],"section_title":["\u00a7 614.4945 Force placement of flood insurance."]},"_input_hash":-1943819765,"_task_hash":-1692641254,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844200,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Notice and purchase of coverage. If a System institution, or a servicer acting on behalf of the System institution, determines at any time during the term of a designated loan, that the building or mobile home and any personal property securing the designated loan is not covered by flood insurance or is covered by flood insurance in an amount less than the amount required under \u00a7 614.4930, then the System institution, or a servicer acting on its behalf, shall notify the borrower that the borrower should obtain flood insurance, at the borrower's expense, in an amount at least equal to the amount required under \u00a7 614.4930, for the remaining term of the loan. If the borrower fails to obtain flood insurance within 45 days after notification, then the System institution, or its servicer, shall purchase insurance on the borrower's behalf. The System institution, or its servicer, may charge the borrower for the cost of premiums and fees incurred in purchasing the insurance, including premiums or fees incurred for coverage beginning on the date on which flood insurance coverage lapsed or did not provide a sufficient coverage amount., (b) Termination of force-placed insurance - (1) Termination and refund. Within 30 days of receipt by a System institution, or by a servicer acting on its behalf, of a confirmation of a borrower's existing flood insurance coverage, the System institution, or its servicer, shall:, (i) Notify the insurance provider to terminate any insurance purchased by the System institution, or its servicer, under paragraph (a) of this section; and, (ii) Refund to the borrower all premiums paid by the borrower for any insurance purchased by the System institution, or by its servicer, under paragraph (a) of this section during any period during which the borrower's flood insurance coverage and the insurance coverage purchased by the System institution, or its servicer, were each in effect, and any related fees charged to the borrower with respect to the insurance purchased by the System institution, or its servicer, during such period., (2) Sufficiency of demonstration. For purposes of confirming a borrower's existing flood insurance coverage under paragraph (b) of this section, a System institution, or a servicer acting on its behalf, shall accept from the borrower an insurance policy declarations page that includes the existing flood insurance policy number and the identity of, and contact information for, the insurance company or agent.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4945"],"section_title":["\u00a7 614.4945 Force placement of flood insurance."]},"_input_hash":-1943819765,"_task_hash":-1692641254,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815015,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Notice and purchase of coverage. If a System institution, or a servicer acting on behalf of the System institution, determines at any time during the term of a designated loan, that the building or mobile home and any personal property securing the designated loan is not covered by flood insurance or is covered by flood insurance in an amount less than the amount required under \u00a7 614.4930, then the System institution, or a servicer acting on its behalf, shall notify the borrower that the borrower should obtain flood insurance, at the borrower's expense, in an amount at least equal to the amount required under \u00a7 614.4930, for the remaining term of the loan. If the borrower fails to obtain flood insurance within 45 days after notification, then the System institution, or its servicer, shall purchase insurance on the borrower's behalf. The System institution, or its servicer, may charge the borrower for the cost of premiums and fees incurred in purchasing the insurance, including premiums or fees incurred for coverage beginning on the date on which flood insurance coverage lapsed or did not provide a sufficient coverage amount., (b) Termination of force-placed insurance - (1) Termination and refund. Within 30 days of receipt by a System institution, or by a servicer acting on its behalf, of a confirmation of a borrower's existing flood insurance coverage, the System institution, or its servicer, shall:, (i) Notify the insurance provider to terminate any insurance purchased by the System institution, or its servicer, under paragraph (a) of this section; and, (ii) Refund to the borrower all premiums paid by the borrower for any insurance purchased by the System institution, or by its servicer, under paragraph (a) of this section during any period during which the borrower's flood insurance coverage and the insurance coverage purchased by the System institution, or its servicer, were each in effect, and any related fees charged to the borrower with respect to the insurance purchased by the System institution, or its servicer, during such period., (2) Sufficiency of demonstration. For purposes of confirming a borrower's existing flood insurance coverage under paragraph (b) of this section, a System institution, or a servicer acting on its behalf, shall accept from the borrower an insurance policy declarations page that includes the existing flood insurance policy number and the identity of, and contact information for, the insurance company or agent.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4945"],"section_title":["\u00a7 614.4945 Force placement of flood insurance."]},"_input_hash":-1943819765,"_task_hash":-1783118160,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711823041,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) Notice and purchase of coverage. If a System institution, or a servicer acting on behalf of the System institution, determines at any time during the term of a designated loan, that the building or mobile home and any personal property securing the designated loan is not covered by flood insurance or is covered by flood insurance in an amount less than the amount required under \u00a7 614.4930, then the System institution, or a servicer acting on its behalf, shall notify the borrower that the borrower should obtain flood insurance, at the borrower's expense, in an amount at least equal to the amount required under \u00a7 614.4930, for the remaining term of the loan. If the borrower fails to obtain flood insurance within 45 days after notification, then the System institution, or its servicer, shall purchase insurance on the borrower's behalf. The System institution, or its servicer, may charge the borrower for the cost of premiums and fees incurred in purchasing the insurance, including premiums or fees incurred for coverage beginning on the date on which flood insurance coverage lapsed or did not provide a sufficient coverage amount., (b) Termination of force-placed insurance - (1) Termination and refund. Within 30 days of receipt by a System institution, or by a servicer acting on its behalf, of a confirmation of a borrower's existing flood insurance coverage, the System institution, or its servicer, shall:, (i) Notify the insurance provider to terminate any insurance purchased by the System institution, or its servicer, under paragraph (a) of this section; and, (ii) Refund to the borrower all premiums paid by the borrower for any insurance purchased by the System institution, or by its servicer, under paragraph (a) of this section during any period during which the borrower's flood insurance coverage and the insurance coverage purchased by the System institution, or its servicer, were each in effect, and any related fees charged to the borrower with respect to the insurance purchased by the System institution, or its servicer, during such period., (2) Sufficiency of demonstration. For purposes of confirming a borrower's existing flood insurance coverage under paragraph (b) of this section, a System institution, or a servicer acting on its behalf, shall accept from the borrower an insurance policy declarations page that includes the existing flood insurance policy number and the identity of, and contact information for, the insurance company or agent.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4945"],"section_title":["\u00a7 614.4945 Force placement of flood insurance."]},"_input_hash":-1943819765,"_task_hash":-769158202,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829966,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Scope of indemnity. (1) A bank that transfers, presents, or returns a substitute check or a paper or electronic representation of a substitute check for which it receives consideration shall indemnify the recipient and any subsequent recipient (including a collecting or returning bank, the depositary bank, the drawer, the drawee, the payee, the depositor, and any indorser) for any loss incurred by any recipient of a substitute check if that loss occurred due to the receipt of a substitute check instead of the original check., (2) A bank that rejects a check submitted for deposit and returns to its customer a substitute check (or a paper or electronic representation of a substitute check) shall indemnify the recipient as described in paragraph (a)(1) of this section regardless of whether the bank received consideration., (b) Indemnity amount - (1) In general. Unless otherwise indicated by paragraph (b)(2) or (b)(3) of this section, the amount of the indemnity under paragraph (a) of this section is as follows:, (i) If the loss resulted from a breach of a substitute check warranty provided under \u00a7 229.52, the amount of the indemnity shall be the amount of any loss (including interest, costs, reasonable attorney's fees, and other expenses of representation) proximately caused by the warranty breach., (ii) If the loss did not result from a breach of a substitute check warranty provided under \u00a7 229.52, the amount of the indemnity shall be the sum of - , (A) The amount of the loss, up to the amount of the substitute check; and, (B) Interest and expenses (including costs and reasonable attorney's fees and other expenses of representation) related to the substitute check., (2) Comparative negligence. (i) If a loss described in paragraph (a) of this section results in whole or in part from the indemnified person's negligence or failure to act in good faith, then the indemnity amount described in paragraph (b)(1) of this section shall be reduced in proportion to the amount of negligence or bad faith attributable to the indemnified person., (ii) Nothing in this paragraph (b)(2) reduces the rights of a consumer or any other person under the U.C.C. or other applicable provision of state or federal law., (3) Effect of producing the original check or a sufficient copy - , (i) If an indemnifying bank produces the original check or a sufficient copy, the indemnifying bank shall - , (A) Be liable under this section only for losses that are incurred up to the time that the bank provides that original check or sufficient copy to the indemnified person; and, (B) Have a right to the return of any funds it has paid under this section in excess of those losses., (ii) The production by the indemnifying bank of the original check or a sufficient copy under paragraph (b)(3)(i) of this section shall not absolve the indemnifying bank from any liability under any warranty that the bank has provided under \u00a7 229.52 or other applicable law., (c) Subrogation of rights - (1) In general. An indemnifying bank shall be subrogated to the rights of the person that it indemnifies to the extent of the indemnity it has provided and may attempt to recover from another person based on a warranty or other claim., (2) Duty of indemnified person for subrogated claims. Each indemnified person shall have a duty to comply with all reasonable requests for assistance from an indemnifying bank in connection with any claim the indemnifying bank brings against a warrantor or other person related to a check that forms the basis for the indemnification. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["229"],"part_title":["PART 229 - AVAILABILITY OF FUNDS AND COLLECTION OF CHECKS (REGULATION CC)"],"section":["229.53"],"section_title":["\u00a7 229.53 Substitute check indemnity."]},"_input_hash":837465339,"_task_hash":267039750,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844202,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) Scope of indemnity. (1) A bank that transfers, presents, or returns a substitute check or a paper or electronic representation of a substitute check for which it receives consideration shall indemnify the recipient and any subsequent recipient (including a collecting or returning bank, the depositary bank, the drawer, the drawee, the payee, the depositor, and any indorser) for any loss incurred by any recipient of a substitute check if that loss occurred due to the receipt of a substitute check instead of the original check., (2) A bank that rejects a check submitted for deposit and returns to its customer a substitute check (or a paper or electronic representation of a substitute check) shall indemnify the recipient as described in paragraph (a)(1) of this section regardless of whether the bank received consideration., (b) Indemnity amount - (1) In general. Unless otherwise indicated by paragraph (b)(2) or (b)(3) of this section, the amount of the indemnity under paragraph (a) of this section is as follows:, (i) If the loss resulted from a breach of a substitute check warranty provided under \u00a7 229.52, the amount of the indemnity shall be the amount of any loss (including interest, costs, reasonable attorney's fees, and other expenses of representation) proximately caused by the warranty breach., (ii) If the loss did not result from a breach of a substitute check warranty provided under \u00a7 229.52, the amount of the indemnity shall be the sum of - , (A) The amount of the loss, up to the amount of the substitute check; and, (B) Interest and expenses (including costs and reasonable attorney's fees and other expenses of representation) related to the substitute check., (2) Comparative negligence. (i) If a loss described in paragraph (a) of this section results in whole or in part from the indemnified person's negligence or failure to act in good faith, then the indemnity amount described in paragraph (b)(1) of this section shall be reduced in proportion to the amount of negligence or bad faith attributable to the indemnified person., (ii) Nothing in this paragraph (b)(2) reduces the rights of a consumer or any other person under the U.C.C. or other applicable provision of state or federal law., (3) Effect of producing the original check or a sufficient copy - , (i) If an indemnifying bank produces the original check or a sufficient copy, the indemnifying bank shall - , (A) Be liable under this section only for losses that are incurred up to the time that the bank provides that original check or sufficient copy to the indemnified person; and, (B) Have a right to the return of any funds it has paid under this section in excess of those losses., (ii) The production by the indemnifying bank of the original check or a sufficient copy under paragraph (b)(3)(i) of this section shall not absolve the indemnifying bank from any liability under any warranty that the bank has provided under \u00a7 229.52 or other applicable law., (c) Subrogation of rights - (1) In general. An indemnifying bank shall be subrogated to the rights of the person that it indemnifies to the extent of the indemnity it has provided and may attempt to recover from another person based on a warranty or other claim., (2) Duty of indemnified person for subrogated claims. Each indemnified person shall have a duty to comply with all reasonable requests for assistance from an indemnifying bank in connection with any claim the indemnifying bank brings against a warrantor or other person related to a check that forms the basis for the indemnification. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["229"],"part_title":["PART 229 - AVAILABILITY OF FUNDS AND COLLECTION OF CHECKS (REGULATION CC)"],"section":["229.53"],"section_title":["\u00a7 229.53 Substitute check indemnity."]},"_input_hash":837465339,"_task_hash":267039750,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815030,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) Scope of indemnity. (1) A bank that transfers, presents, or returns a substitute check or a paper or electronic representation of a substitute check for which it receives consideration shall indemnify the recipient and any subsequent recipient (including a collecting or returning bank, the depositary bank, the drawer, the drawee, the payee, the depositor, and any indorser) for any loss incurred by any recipient of a substitute check if that loss occurred due to the receipt of a substitute check instead of the original check., (2) A bank that rejects a check submitted for deposit and returns to its customer a substitute check (or a paper or electronic representation of a substitute check) shall indemnify the recipient as described in paragraph (a)(1) of this section regardless of whether the bank received consideration., (b) Indemnity amount - (1) In general. Unless otherwise indicated by paragraph (b)(2) or (b)(3) of this section, the amount of the indemnity under paragraph (a) of this section is as follows:, (i) If the loss resulted from a breach of a substitute check warranty provided under \u00a7 229.52, the amount of the indemnity shall be the amount of any loss (including interest, costs, reasonable attorney's fees, and other expenses of representation) proximately caused by the warranty breach., (ii) If the loss did not result from a breach of a substitute check warranty provided under \u00a7 229.52, the amount of the indemnity shall be the sum of - , (A) The amount of the loss, up to the amount of the substitute check; and, (B) Interest and expenses (including costs and reasonable attorney's fees and other expenses of representation) related to the substitute check., (2) Comparative negligence. (i) If a loss described in paragraph (a) of this section results in whole or in part from the indemnified person's negligence or failure to act in good faith, then the indemnity amount described in paragraph (b)(1) of this section shall be reduced in proportion to the amount of negligence or bad faith attributable to the indemnified person., (ii) Nothing in this paragraph (b)(2) reduces the rights of a consumer or any other person under the U.C.C. or other applicable provision of state or federal law., (3) Effect of producing the original check or a sufficient copy - , (i) If an indemnifying bank produces the original check or a sufficient copy, the indemnifying bank shall - , (A) Be liable under this section only for losses that are incurred up to the time that the bank provides that original check or sufficient copy to the indemnified person; and, (B) Have a right to the return of any funds it has paid under this section in excess of those losses., (ii) The production by the indemnifying bank of the original check or a sufficient copy under paragraph (b)(3)(i) of this section shall not absolve the indemnifying bank from any liability under any warranty that the bank has provided under \u00a7 229.52 or other applicable law., (c) Subrogation of rights - (1) In general. An indemnifying bank shall be subrogated to the rights of the person that it indemnifies to the extent of the indemnity it has provided and may attempt to recover from another person based on a warranty or other claim., (2) Duty of indemnified person for subrogated claims. Each indemnified person shall have a duty to comply with all reasonable requests for assistance from an indemnifying bank in connection with any claim the indemnifying bank brings against a warrantor or other person related to a check that forms the basis for the indemnification. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["229"],"part_title":["PART 229 - AVAILABILITY OF FUNDS AND COLLECTION OF CHECKS (REGULATION CC)"],"section":["229.53"],"section_title":["\u00a7 229.53 Substitute check indemnity."]},"_input_hash":837465339,"_task_hash":-2059567163,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829977,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false},{"text":"(a) Scope of indemnity. (1) A bank that transfers, presents, or returns a substitute check or a paper or electronic representation of a substitute check for which it receives consideration shall indemnify the recipient and any subsequent recipient (including a collecting or returning bank, the depositary bank, the drawer, the drawee, the payee, the depositor, and any indorser) for any loss incurred by any recipient of a substitute check if that loss occurred due to the receipt of a substitute check instead of the original check., (2) A bank that rejects a check submitted for deposit and returns to its customer a substitute check (or a paper or electronic representation of a substitute check) shall indemnify the recipient as described in paragraph (a)(1) of this section regardless of whether the bank received consideration., (b) Indemnity amount - (1) In general. Unless otherwise indicated by paragraph (b)(2) or (b)(3) of this section, the amount of the indemnity under paragraph (a) of this section is as follows:, (i) If the loss resulted from a breach of a substitute check warranty provided under \u00a7 229.52, the amount of the indemnity shall be the amount of any loss (including interest, costs, reasonable attorney's fees, and other expenses of representation) proximately caused by the warranty breach., (ii) If the loss did not result from a breach of a substitute check warranty provided under \u00a7 229.52, the amount of the indemnity shall be the sum of - , (A) The amount of the loss, up to the amount of the substitute check; and, (B) Interest and expenses (including costs and reasonable attorney's fees and other expenses of representation) related to the substitute check., (2) Comparative negligence. (i) If a loss described in paragraph (a) of this section results in whole or in part from the indemnified person's negligence or failure to act in good faith, then the indemnity amount described in paragraph (b)(1) of this section shall be reduced in proportion to the amount of negligence or bad faith attributable to the indemnified person., (ii) Nothing in this paragraph (b)(2) reduces the rights of a consumer or any other person under the U.C.C. or other applicable provision of state or federal law., (3) Effect of producing the original check or a sufficient copy - , (i) If an indemnifying bank produces the original check or a sufficient copy, the indemnifying bank shall - , (A) Be liable under this section only for losses that are incurred up to the time that the bank provides that original check or sufficient copy to the indemnified person; and, (B) Have a right to the return of any funds it has paid under this section in excess of those losses., (ii) The production by the indemnifying bank of the original check or a sufficient copy under paragraph (b)(3)(i) of this section shall not absolve the indemnifying bank from any liability under any warranty that the bank has provided under \u00a7 229.52 or other applicable law., (c) Subrogation of rights - (1) In general. An indemnifying bank shall be subrogated to the rights of the person that it indemnifies to the extent of the indemnity it has provided and may attempt to recover from another person based on a warranty or other claim., (2) Duty of indemnified person for subrogated claims. Each indemnified person shall have a duty to comply with all reasonable requests for assistance from an indemnifying bank in connection with any claim the indemnifying bank brings against a warrantor or other person related to a check that forms the basis for the indemnification. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["229"],"part_title":["PART 229 - AVAILABILITY OF FUNDS AND COLLECTION OF CHECKS (REGULATION CC)"],"section":["229.53"],"section_title":["\u00a7 229.53 Substitute check indemnity."]},"_input_hash":837465339,"_task_hash":2046575464,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711839055,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Notice of intent to issue directive - (1) In general. The FDIC shall provide an undercapitalized, significantly undercapitalized, or critically undercapitalized FDIC-supervised institution prior written notice of the FDIC's intention to issue a directive requiring such FDIC-supervised institution to take actions or to follow proscriptions described in section 38 that are within the FDIC's discretion to require or impose under section 38 of the FDI Act, including section 38 (e)(5), (f)(2), (f)(3), or (f)(5). The FDIC-supervised institution shall have such time to respond to a proposed directive as provided by the FDIC under paragraph (c) of this section., (2) Immediate issuance of final directive. If the FDIC finds it necessary in order to carry out the purposes of section 38 of the FDI Act, the FDIC may, without providing the notice prescribed in paragraph (a)(1) of this section, issue a directive requiring an FDIC-supervised institution immediately to take actions or to follow proscriptions described in section 38 that are within the FDIC's discretion to require or impose under section 38 of the FDI Act, including section 38 (e)(5), (f)(2), (f)(3), or (f)(5). An FDIC-supervised institution that is subject to such an immediately effective directive may submit a written appeal of the directive to the FDIC. Such an appeal must be received by the FDIC within 14 calendar days of the issuance of the directive, unless the FDIC permits a longer period. The FDIC shall consider any such appeal, if filed in a timely matter, within 60 days of receiving the appeal. During such period of review, the directive shall remain in effect unless the FDIC, in its sole discretion, stays the effectiveness of the directive., (b) Contents of notice. A notice of intention to issue a directive shall include:, (1) A statement of the FDIC-supervised institution's capital measures and capital levels;, (2) A description of the restrictions, prohibitions, or affirmative actions that the FDIC proposes to impose or require;, (3) The proposed date when such restrictions or prohibitions would be effective or the proposed date for completion of such affirmative actions; and, (4) The date by which the FDIC-supervised institution subject to the directive may file with the FDIC a written response to the notice., (c) Response to notice - (1) Time for response. An FDIC-supervised institution may file a written response to a notice of intent to issue a directive within the time period set by the FDIC. The date shall be at least 14 calendar days from the date of the notice unless the FDIC determines that a shorter period is appropriate in light of the financial condition of the FDIC-supervised institution or other relevant circumstances., (2) Content of response. The response should include:, (i) An explanation why the action proposed by the FDIC is not an appropriate exercise of discretion under section 38;, (ii) Any recommended modification of the proposed directive; and, (iii) Any other relevant information, mitigating circumstances, documentation, or other evidence in support of the position of the FDIC-supervised institution regarding the proposed directive., (d) FDIC consideration of response. After considering the response, the FDIC may:, (1) Issue the directive as proposed or in modified form;, (2) Determine not to issue the directive and so notify the FDIC-supervised institution; or, (3) Seek additional information or clarification of the response from the FDIC-supervised institution or any other relevant source., (e) Failure to file response. Failure by an FDIC-supervised institution to file with the FDIC, within the specified time period, a written response to a proposed directive shall constitute a waiver of the opportunity to respond and shall constitute consent to the issuance of the directive., (f) Request for modification or rescission of directive. Any FDIC-supervised institution that is subject to a directive under this subpart may, upon a change in circumstances, request in writing that the FDIC reconsider the terms of the directive and may propose that the directive be rescinded or modified. Unless otherwise ordered by the FDIC, the directive shall continue in place while such request is pending before the FDIC.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.201"],"section_title":["\u00a7 308.201 Directives to take prompt corrective action."]},"_input_hash":-1007880963,"_task_hash":-724122271,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844215,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\""],"versions":[{"text":"(a) Notice of intent to issue directive - (1) In general. The FDIC shall provide an undercapitalized, significantly undercapitalized, or critically undercapitalized FDIC-supervised institution prior written notice of the FDIC's intention to issue a directive requiring such FDIC-supervised institution to take actions or to follow proscriptions described in section 38 that are within the FDIC's discretion to require or impose under section 38 of the FDI Act, including section 38 (e)(5), (f)(2), (f)(3), or (f)(5). The FDIC-supervised institution shall have such time to respond to a proposed directive as provided by the FDIC under paragraph (c) of this section., (2) Immediate issuance of final directive. If the FDIC finds it necessary in order to carry out the purposes of section 38 of the FDI Act, the FDIC may, without providing the notice prescribed in paragraph (a)(1) of this section, issue a directive requiring an FDIC-supervised institution immediately to take actions or to follow proscriptions described in section 38 that are within the FDIC's discretion to require or impose under section 38 of the FDI Act, including section 38 (e)(5), (f)(2), (f)(3), or (f)(5). An FDIC-supervised institution that is subject to such an immediately effective directive may submit a written appeal of the directive to the FDIC. Such an appeal must be received by the FDIC within 14 calendar days of the issuance of the directive, unless the FDIC permits a longer period. The FDIC shall consider any such appeal, if filed in a timely matter, within 60 days of receiving the appeal. During such period of review, the directive shall remain in effect unless the FDIC, in its sole discretion, stays the effectiveness of the directive., (b) Contents of notice. A notice of intention to issue a directive shall include:, (1) A statement of the FDIC-supervised institution's capital measures and capital levels;, (2) A description of the restrictions, prohibitions, or affirmative actions that the FDIC proposes to impose or require;, (3) The proposed date when such restrictions or prohibitions would be effective or the proposed date for completion of such affirmative actions; and, (4) The date by which the FDIC-supervised institution subject to the directive may file with the FDIC a written response to the notice., (c) Response to notice - (1) Time for response. An FDIC-supervised institution may file a written response to a notice of intent to issue a directive within the time period set by the FDIC. The date shall be at least 14 calendar days from the date of the notice unless the FDIC determines that a shorter period is appropriate in light of the financial condition of the FDIC-supervised institution or other relevant circumstances., (2) Content of response. The response should include:, (i) An explanation why the action proposed by the FDIC is not an appropriate exercise of discretion under section 38;, (ii) Any recommended modification of the proposed directive; and, (iii) Any other relevant information, mitigating circumstances, documentation, or other evidence in support of the position of the FDIC-supervised institution regarding the proposed directive., (d) FDIC consideration of response. After considering the response, the FDIC may:, (1) Issue the directive as proposed or in modified form;, (2) Determine not to issue the directive and so notify the FDIC-supervised institution; or, (3) Seek additional information or clarification of the response from the FDIC-supervised institution or any other relevant source., (e) Failure to file response. Failure by an FDIC-supervised institution to file with the FDIC, within the specified time period, a written response to a proposed directive shall constitute a waiver of the opportunity to respond and shall constitute consent to the issuance of the directive., (f) Request for modification or rescission of directive. Any FDIC-supervised institution that is subject to a directive under this subpart may, upon a change in circumstances, request in writing that the FDIC reconsider the terms of the directive and may propose that the directive be rescinded or modified. Unless otherwise ordered by the FDIC, the directive shall continue in place while such request is pending before the FDIC.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.201"],"section_title":["\u00a7 308.201 Directives to take prompt corrective action."]},"_input_hash":-1007880963,"_task_hash":-724122271,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815044,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":true},{"text":"(a) Notice of intent to issue directive - (1) In general. The FDIC shall provide an undercapitalized, significantly undercapitalized, or critically undercapitalized FDIC-supervised institution prior written notice of the FDIC's intention to issue a directive requiring such FDIC-supervised institution to take actions or to follow proscriptions described in section 38 that are within the FDIC's discretion to require or impose under section 38 of the FDI Act, including section 38 (e)(5), (f)(2), (f)(3), or (f)(5). The FDIC-supervised institution shall have such time to respond to a proposed directive as provided by the FDIC under paragraph (c) of this section., (2) Immediate issuance of final directive. If the FDIC finds it necessary in order to carry out the purposes of section 38 of the FDI Act, the FDIC may, without providing the notice prescribed in paragraph (a)(1) of this section, issue a directive requiring an FDIC-supervised institution immediately to take actions or to follow proscriptions described in section 38 that are within the FDIC's discretion to require or impose under section 38 of the FDI Act, including section 38 (e)(5), (f)(2), (f)(3), or (f)(5). An FDIC-supervised institution that is subject to such an immediately effective directive may submit a written appeal of the directive to the FDIC. Such an appeal must be received by the FDIC within 14 calendar days of the issuance of the directive, unless the FDIC permits a longer period. The FDIC shall consider any such appeal, if filed in a timely matter, within 60 days of receiving the appeal. During such period of review, the directive shall remain in effect unless the FDIC, in its sole discretion, stays the effectiveness of the directive., (b) Contents of notice. A notice of intention to issue a directive shall include:, (1) A statement of the FDIC-supervised institution's capital measures and capital levels;, (2) A description of the restrictions, prohibitions, or affirmative actions that the FDIC proposes to impose or require;, (3) The proposed date when such restrictions or prohibitions would be effective or the proposed date for completion of such affirmative actions; and, (4) The date by which the FDIC-supervised institution subject to the directive may file with the FDIC a written response to the notice., (c) Response to notice - (1) Time for response. An FDIC-supervised institution may file a written response to a notice of intent to issue a directive within the time period set by the FDIC. The date shall be at least 14 calendar days from the date of the notice unless the FDIC determines that a shorter period is appropriate in light of the financial condition of the FDIC-supervised institution or other relevant circumstances., (2) Content of response. The response should include:, (i) An explanation why the action proposed by the FDIC is not an appropriate exercise of discretion under section 38;, (ii) Any recommended modification of the proposed directive; and, (iii) Any other relevant information, mitigating circumstances, documentation, or other evidence in support of the position of the FDIC-supervised institution regarding the proposed directive., (d) FDIC consideration of response. After considering the response, the FDIC may:, (1) Issue the directive as proposed or in modified form;, (2) Determine not to issue the directive and so notify the FDIC-supervised institution; or, (3) Seek additional information or clarification of the response from the FDIC-supervised institution or any other relevant source., (e) Failure to file response. Failure by an FDIC-supervised institution to file with the FDIC, within the specified time period, a written response to a proposed directive shall constitute a waiver of the opportunity to respond and shall constitute consent to the issuance of the directive., (f) Request for modification or rescission of directive. Any FDIC-supervised institution that is subject to a directive under this subpart may, upon a change in circumstances, request in writing that the FDIC reconsider the terms of the directive and may propose that the directive be rescinded or modified. Unless otherwise ordered by the FDIC, the directive shall continue in place while such request is pending before the FDIC.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.201"],"section_title":["\u00a7 308.201 Directives to take prompt corrective action."]},"_input_hash":-1007880963,"_task_hash":99029389,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711823132,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) Notice of intent to issue directive - (1) In general. The FDIC shall provide an undercapitalized, significantly undercapitalized, or critically undercapitalized FDIC-supervised institution prior written notice of the FDIC's intention to issue a directive requiring such FDIC-supervised institution to take actions or to follow proscriptions described in section 38 that are within the FDIC's discretion to require or impose under section 38 of the FDI Act, including section 38 (e)(5), (f)(2), (f)(3), or (f)(5). The FDIC-supervised institution shall have such time to respond to a proposed directive as provided by the FDIC under paragraph (c) of this section., (2) Immediate issuance of final directive. If the FDIC finds it necessary in order to carry out the purposes of section 38 of the FDI Act, the FDIC may, without providing the notice prescribed in paragraph (a)(1) of this section, issue a directive requiring an FDIC-supervised institution immediately to take actions or to follow proscriptions described in section 38 that are within the FDIC's discretion to require or impose under section 38 of the FDI Act, including section 38 (e)(5), (f)(2), (f)(3), or (f)(5). An FDIC-supervised institution that is subject to such an immediately effective directive may submit a written appeal of the directive to the FDIC. Such an appeal must be received by the FDIC within 14 calendar days of the issuance of the directive, unless the FDIC permits a longer period. The FDIC shall consider any such appeal, if filed in a timely matter, within 60 days of receiving the appeal. During such period of review, the directive shall remain in effect unless the FDIC, in its sole discretion, stays the effectiveness of the directive., (b) Contents of notice. A notice of intention to issue a directive shall include:, (1) A statement of the FDIC-supervised institution's capital measures and capital levels;, (2) A description of the restrictions, prohibitions, or affirmative actions that the FDIC proposes to impose or require;, (3) The proposed date when such restrictions or prohibitions would be effective or the proposed date for completion of such affirmative actions; and, (4) The date by which the FDIC-supervised institution subject to the directive may file with the FDIC a written response to the notice., (c) Response to notice - (1) Time for response. An FDIC-supervised institution may file a written response to a notice of intent to issue a directive within the time period set by the FDIC. The date shall be at least 14 calendar days from the date of the notice unless the FDIC determines that a shorter period is appropriate in light of the financial condition of the FDIC-supervised institution or other relevant circumstances., (2) Content of response. The response should include:, (i) An explanation why the action proposed by the FDIC is not an appropriate exercise of discretion under section 38;, (ii) Any recommended modification of the proposed directive; and, (iii) Any other relevant information, mitigating circumstances, documentation, or other evidence in support of the position of the FDIC-supervised institution regarding the proposed directive., (d) FDIC consideration of response. After considering the response, the FDIC may:, (1) Issue the directive as proposed or in modified form;, (2) Determine not to issue the directive and so notify the FDIC-supervised institution; or, (3) Seek additional information or clarification of the response from the FDIC-supervised institution or any other relevant source., (e) Failure to file response. Failure by an FDIC-supervised institution to file with the FDIC, within the specified time period, a written response to a proposed directive shall constitute a waiver of the opportunity to respond and shall constitute consent to the issuance of the directive., (f) Request for modification or rescission of directive. Any FDIC-supervised institution that is subject to a directive under this subpart may, upon a change in circumstances, request in writing that the FDIC reconsider the terms of the directive and may propose that the directive be rescinded or modified. Unless otherwise ordered by the FDIC, the directive shall continue in place while such request is pending before the FDIC.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.201"],"section_title":["\u00a7 308.201 Directives to take prompt corrective action."]},"_input_hash":-1007880963,"_task_hash":97845788,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829978,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false},{"text":"(a) Notice of intent to issue directive - (1) In general. The FDIC shall provide an undercapitalized, significantly undercapitalized, or critically undercapitalized FDIC-supervised institution prior written notice of the FDIC's intention to issue a directive requiring such FDIC-supervised institution to take actions or to follow proscriptions described in section 38 that are within the FDIC's discretion to require or impose under section 38 of the FDI Act, including section 38 (e)(5), (f)(2), (f)(3), or (f)(5). The FDIC-supervised institution shall have such time to respond to a proposed directive as provided by the FDIC under paragraph (c) of this section., (2) Immediate issuance of final directive. If the FDIC finds it necessary in order to carry out the purposes of section 38 of the FDI Act, the FDIC may, without providing the notice prescribed in paragraph (a)(1) of this section, issue a directive requiring an FDIC-supervised institution immediately to take actions or to follow proscriptions described in section 38 that are within the FDIC's discretion to require or impose under section 38 of the FDI Act, including section 38 (e)(5), (f)(2), (f)(3), or (f)(5). An FDIC-supervised institution that is subject to such an immediately effective directive may submit a written appeal of the directive to the FDIC. Such an appeal must be received by the FDIC within 14 calendar days of the issuance of the directive, unless the FDIC permits a longer period. The FDIC shall consider any such appeal, if filed in a timely matter, within 60 days of receiving the appeal. During such period of review, the directive shall remain in effect unless the FDIC, in its sole discretion, stays the effectiveness of the directive., (b) Contents of notice. A notice of intention to issue a directive shall include:, (1) A statement of the FDIC-supervised institution's capital measures and capital levels;, (2) A description of the restrictions, prohibitions, or affirmative actions that the FDIC proposes to impose or require;, (3) The proposed date when such restrictions or prohibitions would be effective or the proposed date for completion of such affirmative actions; and, (4) The date by which the FDIC-supervised institution subject to the directive may file with the FDIC a written response to the notice., (c) Response to notice - (1) Time for response. An FDIC-supervised institution may file a written response to a notice of intent to issue a directive within the time period set by the FDIC. The date shall be at least 14 calendar days from the date of the notice unless the FDIC determines that a shorter period is appropriate in light of the financial condition of the FDIC-supervised institution or other relevant circumstances., (2) Content of response. The response should include:, (i) An explanation why the action proposed by the FDIC is not an appropriate exercise of discretion under section 38;, (ii) Any recommended modification of the proposed directive; and, (iii) Any other relevant information, mitigating circumstances, documentation, or other evidence in support of the position of the FDIC-supervised institution regarding the proposed directive., (d) FDIC consideration of response. After considering the response, the FDIC may:, (1) Issue the directive as proposed or in modified form;, (2) Determine not to issue the directive and so notify the FDIC-supervised institution; or, (3) Seek additional information or clarification of the response from the FDIC-supervised institution or any other relevant source., (e) Failure to file response. Failure by an FDIC-supervised institution to file with the FDIC, within the specified time period, a written response to a proposed directive shall constitute a waiver of the opportunity to respond and shall constitute consent to the issuance of the directive., (f) Request for modification or rescission of directive. Any FDIC-supervised institution that is subject to a directive under this subpart may, upon a change in circumstances, request in writing that the FDIC reconsider the terms of the directive and may propose that the directive be rescinded or modified. Unless otherwise ordered by the FDIC, the directive shall continue in place while such request is pending before the FDIC.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.201"],"section_title":["\u00a7 308.201 Directives to take prompt corrective action."]},"_input_hash":-1007880963,"_task_hash":2129071189,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711839064,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"The NCUA Board may, at any time during the pendency of a proceeding perform, direct the performance of, or waive performance of, any act which could be done or ordered by the administrative law judge.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.4"],"section_title":["\u00a7 747.4 Authority of the NCUA Board."]},"_input_hash":761085584,"_task_hash":-1351445360,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815584,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"The NCUA Board may, at any time during the pendency of a proceeding perform, direct the performance of, or waive performance of, any act which could be done or ordered by the administrative law judge.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.4"],"section_title":["\u00a7 747.4 Authority of the NCUA Board."]},"_input_hash":761085584,"_task_hash":-1351445360,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815584,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) Permitted risk-mitigating hedging activities. The prohibition contained in \u00a7 248.3(a) does not apply to the risk-mitigating hedging activities of a banking entity in connection with and related to individual or aggregated positions, contracts, or other holdings of the banking entity and designed to reduce the specific risks to the banking entity in connection with and related to such positions, contracts, or other holdings., (b) Requirements. (1) The risk-mitigating hedging activities of a banking entity that has significant trading assets and liabilities are permitted under paragraph (a) of this section only if:, (i) The banking entity has established and implements, maintains and enforces an internal compliance program required by subpart D of this part that is reasonably designed to ensure the banking entity's compliance with the requirements of this section, including:, (A) Reasonably designed written policies and procedures regarding the positions, techniques and strategies that may be used for hedging, including documentation indicating what positions, contracts or other holdings a particular trading desk may use in its risk-mitigating hedging activities, as well as position and aging limits with respect to such positions, contracts or other holdings;, (B) Internal controls and ongoing monitoring, management, and authorization procedures, including relevant escalation procedures; and, (C) The conduct of analysis and independent testing designed to ensure that the positions, techniques and strategies that may be used for hedging may reasonably be expected to reduce or otherwise significantly mitigate the specific, identifiable risk(s) being hedged;, (ii) The risk-mitigating hedging activity:, (A) Is conducted in accordance with the written policies, procedures, and internal controls required under this section;, (B) At the inception of the hedging activity, including, without limitation, any adjustments to the hedging activity, is designed to reduce or otherwise significantly mitigate one or more specific, identifiable risks, including market risk, counterparty or other credit risk, currency or foreign exchange risk, interest rate risk, commodity price risk, basis risk, or similar risks, arising in connection with and related to identified positions, contracts, or other holdings of the banking entity, based upon the facts and circumstances of the identified underlying and hedging positions, contracts or other holdings and the risks and liquidity thereof;, (C) Does not give rise, at the inception of the hedge, to any significant new or additional risk that is not itself hedged contemporaneously in accordance with this section;, (D) Is subject to continuing review, monitoring and management by the banking entity that:, (1) Is consistent with the written hedging policies and procedures required under paragraph (b)(1)(i) of this section;, (2) Is designed to reduce or otherwise significantly mitigate the specific, identifiable risks that develop over time from the risk-mitigating hedging activities undertaken under this section and the underlying positions, contracts, and other holdings of the banking entity, based upon the facts and circumstances of the underlying and hedging positions, contracts and other holdings of the banking entity and the risks and liquidity thereof; and, (3) Requires ongoing recalibration of the hedging activity by the banking entity to ensure that the hedging activity satisfies the requirements set out in paragraph (b)(1)(ii) of this section and is not prohibited proprietary trading; and, (iii) The compensation arrangements of persons performing risk-mitigating hedging activities are designed not to reward or incentivize prohibited proprietary trading., (2) The risk-mitigating hedging activities of a banking entity that does not have significant trading assets and liabilities are permitted under paragraph (a) of this section only if the risk-mitigating hedging activity:, (i) At the inception of the hedging activity, including, without limitation, any adjustments to the hedging activity, is designed to reduce or otherwise significantly mitigate one or more specific, identifiable risks, including market risk, counterparty or other credit risk, currency or foreign exchange risk, interest rate risk, commodity price risk, basis risk, or similar risks, arising in connection with and related to identified positions, contracts, or other holdings of the banking entity, based upon the facts and circumstances of the identified underlying and hedging positions, contracts or other holdings and the risks and liquidity thereof; and, (ii) Is subject, as appropriate, to ongoing recalibration by the banking entity to ensure that the hedging activity satisfies the requirements set out in paragraph (b)(2) of this section and is not prohibited proprietary trading., (c) Documentation requirement. (1) A banking entity that has significant trading assets and liabilities must comply with the requirements of paragraphs (c)(2) and (3) of this section, unless the requirements of paragraph (c)(4) of this section are met, with respect to any purchase or sale of financial instruments made in reliance on this section for risk-mitigating hedging purposes that is:, (i) Not established by the specific trading desk establishing or responsible for the underlying positions, contracts, or other holdings the risks of which the hedging activity is designed to reduce;, (ii) Established by the specific trading desk establishing or responsible for the underlying positions, contracts, or other holdings the risks of which the purchases or sales are designed to reduce, but that is effected through a financial instrument, exposure, technique, or strategy that is not specifically identified in the trading desk's written policies and procedures established under paragraph (b)(1) of this section or under \u00a7 248.4(b)(2)(iii)(B) of this subpart as a product, instrument, exposure, technique, or strategy such trading desk may use for hedging; or, (iii) Established to hedge aggregated positions across two or more trading desks., (2) In connection with any purchase or sale identified in paragraph (c)(1) of this section, a banking entity must, at a minimum, and contemporaneously with the purchase or sale, document:, (i) The specific, identifiable risk(s) of the identified positions, contracts, or other holdings of the banking entity that the purchase or sale is designed to reduce;, (ii) The specific risk-mitigating strategy that the purchase or sale is designed to fulfill; and, (iii) The trading desk or other business unit that is establishing and responsible for the hedge., (3) A banking entity must create and retain records sufficient to demonstrate compliance with the requirements of this paragraph (c) for a period that is no less than five years in a form that allows the banking entity to promptly produce such records to the Board on request, or such longer period as required under other law or this part., (4) The requirements of paragraphs (c)(2) and (3) of this section do not apply to the purchase or sale of a financial instrument described in paragraph (c)(1) of this section if:, (i) The financial instrument purchased or sold is identified on a written list of pre-approved financial instruments that are commonly used by the trading desk for the specific type of hedging activity for which the financial instrument is being purchased or sold; and, (ii) At the time the financial instrument is purchased or sold, the hedging activity (including the purchase or sale of the financial instrument) complies with written, pre-approved limits for the trading desk purchasing or selling the financial instrument for hedging activities undertaken for one or more other trading desks. The limits shall be appropriate for the:, (A) Size, types, and risks of the hedging activities commonly undertaken by the trading desk;, (B) Financial instruments purchased and sold for hedging activities by the trading desk; and, (C) Levels and duration of the risk exposures being hedged.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["248"],"part_title":["PART 248 - PROPRIETARY TRADING AND CERTAIN INTERESTS IN AND RELATIONSHIPS WITH COVERED FUNDS (REGULATION VV)"],"section":["248.5"],"section_title":["\u00a7 248.5 Permitted risk-mitigating hedging activities."]},"_input_hash":1462753325,"_task_hash":-1682330920,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815598,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Permitted risk-mitigating hedging activities. The prohibition contained in \u00a7 248.3(a) does not apply to the risk-mitigating hedging activities of a banking entity in connection with and related to individual or aggregated positions, contracts, or other holdings of the banking entity and designed to reduce the specific risks to the banking entity in connection with and related to such positions, contracts, or other holdings., (b) Requirements. (1) The risk-mitigating hedging activities of a banking entity that has significant trading assets and liabilities are permitted under paragraph (a) of this section only if:, (i) The banking entity has established and implements, maintains and enforces an internal compliance program required by subpart D of this part that is reasonably designed to ensure the banking entity's compliance with the requirements of this section, including:, (A) Reasonably designed written policies and procedures regarding the positions, techniques and strategies that may be used for hedging, including documentation indicating what positions, contracts or other holdings a particular trading desk may use in its risk-mitigating hedging activities, as well as position and aging limits with respect to such positions, contracts or other holdings;, (B) Internal controls and ongoing monitoring, management, and authorization procedures, including relevant escalation procedures; and, (C) The conduct of analysis and independent testing designed to ensure that the positions, techniques and strategies that may be used for hedging may reasonably be expected to reduce or otherwise significantly mitigate the specific, identifiable risk(s) being hedged;, (ii) The risk-mitigating hedging activity:, (A) Is conducted in accordance with the written policies, procedures, and internal controls required under this section;, (B) At the inception of the hedging activity, including, without limitation, any adjustments to the hedging activity, is designed to reduce or otherwise significantly mitigate one or more specific, identifiable risks, including market risk, counterparty or other credit risk, currency or foreign exchange risk, interest rate risk, commodity price risk, basis risk, or similar risks, arising in connection with and related to identified positions, contracts, or other holdings of the banking entity, based upon the facts and circumstances of the identified underlying and hedging positions, contracts or other holdings and the risks and liquidity thereof;, (C) Does not give rise, at the inception of the hedge, to any significant new or additional risk that is not itself hedged contemporaneously in accordance with this section;, (D) Is subject to continuing review, monitoring and management by the banking entity that:, (1) Is consistent with the written hedging policies and procedures required under paragraph (b)(1)(i) of this section;, (2) Is designed to reduce or otherwise significantly mitigate the specific, identifiable risks that develop over time from the risk-mitigating hedging activities undertaken under this section and the underlying positions, contracts, and other holdings of the banking entity, based upon the facts and circumstances of the underlying and hedging positions, contracts and other holdings of the banking entity and the risks and liquidity thereof; and, (3) Requires ongoing recalibration of the hedging activity by the banking entity to ensure that the hedging activity satisfies the requirements set out in paragraph (b)(1)(ii) of this section and is not prohibited proprietary trading; and, (iii) The compensation arrangements of persons performing risk-mitigating hedging activities are designed not to reward or incentivize prohibited proprietary trading., (2) The risk-mitigating hedging activities of a banking entity that does not have significant trading assets and liabilities are permitted under paragraph (a) of this section only if the risk-mitigating hedging activity:, (i) At the inception of the hedging activity, including, without limitation, any adjustments to the hedging activity, is designed to reduce or otherwise significantly mitigate one or more specific, identifiable risks, including market risk, counterparty or other credit risk, currency or foreign exchange risk, interest rate risk, commodity price risk, basis risk, or similar risks, arising in connection with and related to identified positions, contracts, or other holdings of the banking entity, based upon the facts and circumstances of the identified underlying and hedging positions, contracts or other holdings and the risks and liquidity thereof; and, (ii) Is subject, as appropriate, to ongoing recalibration by the banking entity to ensure that the hedging activity satisfies the requirements set out in paragraph (b)(2) of this section and is not prohibited proprietary trading., (c) Documentation requirement. (1) A banking entity that has significant trading assets and liabilities must comply with the requirements of paragraphs (c)(2) and (3) of this section, unless the requirements of paragraph (c)(4) of this section are met, with respect to any purchase or sale of financial instruments made in reliance on this section for risk-mitigating hedging purposes that is:, (i) Not established by the specific trading desk establishing or responsible for the underlying positions, contracts, or other holdings the risks of which the hedging activity is designed to reduce;, (ii) Established by the specific trading desk establishing or responsible for the underlying positions, contracts, or other holdings the risks of which the purchases or sales are designed to reduce, but that is effected through a financial instrument, exposure, technique, or strategy that is not specifically identified in the trading desk's written policies and procedures established under paragraph (b)(1) of this section or under \u00a7 248.4(b)(2)(iii)(B) of this subpart as a product, instrument, exposure, technique, or strategy such trading desk may use for hedging; or, (iii) Established to hedge aggregated positions across two or more trading desks., (2) In connection with any purchase or sale identified in paragraph (c)(1) of this section, a banking entity must, at a minimum, and contemporaneously with the purchase or sale, document:, (i) The specific, identifiable risk(s) of the identified positions, contracts, or other holdings of the banking entity that the purchase or sale is designed to reduce;, (ii) The specific risk-mitigating strategy that the purchase or sale is designed to fulfill; and, (iii) The trading desk or other business unit that is establishing and responsible for the hedge., (3) A banking entity must create and retain records sufficient to demonstrate compliance with the requirements of this paragraph (c) for a period that is no less than five years in a form that allows the banking entity to promptly produce such records to the Board on request, or such longer period as required under other law or this part., (4) The requirements of paragraphs (c)(2) and (3) of this section do not apply to the purchase or sale of a financial instrument described in paragraph (c)(1) of this section if:, (i) The financial instrument purchased or sold is identified on a written list of pre-approved financial instruments that are commonly used by the trading desk for the specific type of hedging activity for which the financial instrument is being purchased or sold; and, (ii) At the time the financial instrument is purchased or sold, the hedging activity (including the purchase or sale of the financial instrument) complies with written, pre-approved limits for the trading desk purchasing or selling the financial instrument for hedging activities undertaken for one or more other trading desks. The limits shall be appropriate for the:, (A) Size, types, and risks of the hedging activities commonly undertaken by the trading desk;, (B) Financial instruments purchased and sold for hedging activities by the trading desk; and, (C) Levels and duration of the risk exposures being hedged.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["248"],"part_title":["PART 248 - PROPRIETARY TRADING AND CERTAIN INTERESTS IN AND RELATIONSHIPS WITH COVERED FUNDS (REGULATION VV)"],"section":["248.5"],"section_title":["\u00a7 248.5 Permitted risk-mitigating hedging activities."]},"_input_hash":1462753325,"_task_hash":-1682330920,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815598,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) Trading positions - (1) Identification of trading positions. An FDIC-supervised institution must have clearly defined policies and procedures for determining which of its trading assets and trading liabilities are trading positions and which of its trading positions are correlation trading positions. These policies and procedures must take into account:, (i) The extent to which a position, or a hedge of its material risks, can be marked-to-market daily by reference to a two-way market; and, (ii) Possible impairments to the liquidity of a position or its hedge., (2) Trading and hedging strategies. An FDIC-supervised institution must have clearly defined trading and hedging strategies for its trading positions that are approved by senior management of the FDIC-supervised institution., (i) The trading strategy must articulate the expected holding period of, and the market risk associated with, each portfolio of trading positions., (ii) The hedging strategy must articulate for each portfolio of trading positions the level of market risk the FDIC-supervised institution is willing to accept and must detail the instruments, techniques, and strategies the FDIC-supervised institution will use to hedge the risk of the portfolio., (b) Management of covered positions - (1) Active management. An FDIC-supervised institution must have clearly defined policies and procedures for actively managing all covered positions. At a minimum, these policies and procedures must require:, (i) Marking positions to market or to model on a daily basis;, (ii) Daily assessment of the FDIC-supervised institution's ability to hedge position and portfolio risks, and of the extent of market liquidity;, (iii) Establishment and daily monitoring of limits on positions by a risk control unit independent of the trading business unit;, (iv) Daily monitoring by senior management of information described in paragraphs (b)(1)(i) through (b)(1)(iii) of this section;, (v) At least annual reassessment of established limits on positions by senior management; and, (vi) At least annual assessments by qualified personnel of the quality of market inputs to the valuation process, the soundness of key assumptions, the reliability of parameter estimation in pricing models, and the stability and accuracy of model calibration under alternative market scenarios., (2) Valuation of covered positions. The FDIC-supervised institution must have a process for prudent valuation of its covered positions that includes policies and procedures on the valuation of positions, marking positions to market or to model, independent price verification, and valuation adjustments or reserves. The valuation process must consider, as appropriate, unearned credit spreads, close-out costs, early termination costs, investing and funding costs, liquidity, and model risk., (c) Requirements for internal models. (1) An FDIC-supervised institution must obtain the prior written approval of the FDIC before using any internal model to calculate its risk-based capital requirement under this subpart., (2) An FDIC-supervised institution must meet all of the requirements of this section on an ongoing basis. The FDIC-supervised institution must promptly notify the FDIC when:, (i) The FDIC-supervised institution plans to extend the use of a model that the FDIC has approved under this subpart to an additional business line or product type;, (ii) The FDIC-supervised institution makes any change to an internal model approved by the FDIC under this subpart that would result in a material change in the FDIC-supervised institution's risk-weighted asset amount for a portfolio of covered positions; or, (iii) The FDIC-supervised institution makes any material change to its modeling assumptions., (3) The FDIC may rescind its approval of the use of any internal model (in whole or in part) or of the determination of the approach under \u00a7 324.209(a)(2)(ii) for an FDIC-supervised institution's modeled correlation trading positions and determine an appropriate capital requirement for the covered positions to which the model would apply, if the FDIC determines that the model no longer complies with this subpart or fails to reflect accurately the risks of the FDIC-supervised institution's covered positions., (4) The FDIC-supervised institution must periodically, but no less frequently than annually, review its internal models in light of developments in financial markets and modeling technologies, and enhance those models as appropriate to ensure that they continue to meet the FDIC's standards for model approval and employ risk measurement methodologies that are most appropriate for the FDIC-supervised institution's covered positions., (5) The FDIC-supervised institution must incorporate its internal models into its risk management process and integrate the internal models used for calculating its VaR-based measure into its daily risk management process., (6) The level of sophistication of an FDIC-supervised institution's internal models must be commensurate with the complexity and amount of its covered positions. An FDIC-supervised institution's internal models may use any of the generally accepted approaches, including but not limited to variance-covariance models, historical simulations, or Monte Carlo simulations, to measure market risk., (7) The FDIC-supervised institution's internal models must properly measure all the material risks in the covered positions to which they are applied., (8) The FDIC-supervised institution's internal models must conservatively assess the risks arising from less liquid positions and positions with limited price transparency under realistic market scenarios., (9) The FDIC-supervised institution must have a rigorous and well-defined process for re-estimating, re-evaluating, and updating its internal models to ensure continued applicability and relevance., (10) If an FDIC-supervised institution uses internal models to measure specific risk, the internal models must also satisfy the requirements in paragraph (b)(1) of \u00a7 324.207., (d) Control, oversight, and validation mechanisms. (1) The FDIC-supervised institution must have a risk control unit that reports directly to senior management and is independent from the business trading units., (2) The FDIC-supervised institution must validate its internal models initially and on an ongoing basis. The FDIC-supervised institution's validation process must be independent of the internal models' development, implementation, and operation, or the validation process must be subjected to an independent review of its adequacy and effectiveness. Validation must include:, (i) An evaluation of the conceptual soundness of (including developmental evidence supporting) the internal models;, (ii) An ongoing monitoring process that includes verification of processes and the comparison of the FDIC-supervised institution's model outputs with relevant internal and external data sources or estimation techniques; and, (iii) An outcomes analysis process that includes backtesting. For internal models used to calculate the VaR-based measure, this process must include a comparison of the changes in the FDIC-supervised institution's portfolio value that would have occurred were end-of-day positions to remain unchanged (therefore, excluding fees, commissions, reserves, net interest income, and intraday trading) with VaR-based measures during a sample period not used in model development., (3) The FDIC-supervised institution must stress test the market risk of its covered positions at a frequency appropriate to each portfolio, and in no case less frequently than quarterly. The stress tests must take into account concentration risk (including but not limited to concentrations in single issuers, industries, sectors, or markets), illiquidity under stressed market conditions, and risks arising from the FDIC-supervised institution's trading activities that may not be adequately captured in its internal models., (4) The FDIC-supervised institution must have an internal audit function independent of business-line management that at least annually assesses the effectiveness of the controls supporting the FDIC-supervised institution's market risk measurement systems, including the activities of the business trading units and independent risk control unit, compliance with policies and procedures, and calculation of the FDIC-supervised institution's measures for market risk under this subpart. At least annually, the internal audit function must report its findings to the FDIC-supervised institution's board of directors (or a committee thereof)., (e) Internal assessment of capital adequacy. The FDIC-supervised institution must have a rigorous process for assessing its overall capital adequacy in relation to its market risk. The assessment must take into account risks that may not be captured fully in the VaR-based measure, including concentration and liquidity risk under stressed market conditions., (f) Documentation. The FDIC-supervised institution must adequately document all material aspects of its internal models, management and valuation of covered positions, control, oversight, validation and review processes and results, and internal assessment of capital adequacy.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["324"],"part_title":["PART 324 - CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS"],"section":["324.203"],"section_title":["\u00a7 324.203 Requirements for application of this subpart F."]},"_input_hash":32879830,"_task_hash":-783699063,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844218,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Trading positions - (1) Identification of trading positions. An FDIC-supervised institution must have clearly defined policies and procedures for determining which of its trading assets and trading liabilities are trading positions and which of its trading positions are correlation trading positions. These policies and procedures must take into account:, (i) The extent to which a position, or a hedge of its material risks, can be marked-to-market daily by reference to a two-way market; and, (ii) Possible impairments to the liquidity of a position or its hedge., (2) Trading and hedging strategies. An FDIC-supervised institution must have clearly defined trading and hedging strategies for its trading positions that are approved by senior management of the FDIC-supervised institution., (i) The trading strategy must articulate the expected holding period of, and the market risk associated with, each portfolio of trading positions., (ii) The hedging strategy must articulate for each portfolio of trading positions the level of market risk the FDIC-supervised institution is willing to accept and must detail the instruments, techniques, and strategies the FDIC-supervised institution will use to hedge the risk of the portfolio., (b) Management of covered positions - (1) Active management. An FDIC-supervised institution must have clearly defined policies and procedures for actively managing all covered positions. At a minimum, these policies and procedures must require:, (i) Marking positions to market or to model on a daily basis;, (ii) Daily assessment of the FDIC-supervised institution's ability to hedge position and portfolio risks, and of the extent of market liquidity;, (iii) Establishment and daily monitoring of limits on positions by a risk control unit independent of the trading business unit;, (iv) Daily monitoring by senior management of information described in paragraphs (b)(1)(i) through (b)(1)(iii) of this section;, (v) At least annual reassessment of established limits on positions by senior management; and, (vi) At least annual assessments by qualified personnel of the quality of market inputs to the valuation process, the soundness of key assumptions, the reliability of parameter estimation in pricing models, and the stability and accuracy of model calibration under alternative market scenarios., (2) Valuation of covered positions. The FDIC-supervised institution must have a process for prudent valuation of its covered positions that includes policies and procedures on the valuation of positions, marking positions to market or to model, independent price verification, and valuation adjustments or reserves. The valuation process must consider, as appropriate, unearned credit spreads, close-out costs, early termination costs, investing and funding costs, liquidity, and model risk., (c) Requirements for internal models. (1) An FDIC-supervised institution must obtain the prior written approval of the FDIC before using any internal model to calculate its risk-based capital requirement under this subpart., (2) An FDIC-supervised institution must meet all of the requirements of this section on an ongoing basis. The FDIC-supervised institution must promptly notify the FDIC when:, (i) The FDIC-supervised institution plans to extend the use of a model that the FDIC has approved under this subpart to an additional business line or product type;, (ii) The FDIC-supervised institution makes any change to an internal model approved by the FDIC under this subpart that would result in a material change in the FDIC-supervised institution's risk-weighted asset amount for a portfolio of covered positions; or, (iii) The FDIC-supervised institution makes any material change to its modeling assumptions., (3) The FDIC may rescind its approval of the use of any internal model (in whole or in part) or of the determination of the approach under \u00a7 324.209(a)(2)(ii) for an FDIC-supervised institution's modeled correlation trading positions and determine an appropriate capital requirement for the covered positions to which the model would apply, if the FDIC determines that the model no longer complies with this subpart or fails to reflect accurately the risks of the FDIC-supervised institution's covered positions., (4) The FDIC-supervised institution must periodically, but no less frequently than annually, review its internal models in light of developments in financial markets and modeling technologies, and enhance those models as appropriate to ensure that they continue to meet the FDIC's standards for model approval and employ risk measurement methodologies that are most appropriate for the FDIC-supervised institution's covered positions., (5) The FDIC-supervised institution must incorporate its internal models into its risk management process and integrate the internal models used for calculating its VaR-based measure into its daily risk management process., (6) The level of sophistication of an FDIC-supervised institution's internal models must be commensurate with the complexity and amount of its covered positions. An FDIC-supervised institution's internal models may use any of the generally accepted approaches, including but not limited to variance-covariance models, historical simulations, or Monte Carlo simulations, to measure market risk., (7) The FDIC-supervised institution's internal models must properly measure all the material risks in the covered positions to which they are applied., (8) The FDIC-supervised institution's internal models must conservatively assess the risks arising from less liquid positions and positions with limited price transparency under realistic market scenarios., (9) The FDIC-supervised institution must have a rigorous and well-defined process for re-estimating, re-evaluating, and updating its internal models to ensure continued applicability and relevance., (10) If an FDIC-supervised institution uses internal models to measure specific risk, the internal models must also satisfy the requirements in paragraph (b)(1) of \u00a7 324.207., (d) Control, oversight, and validation mechanisms. (1) The FDIC-supervised institution must have a risk control unit that reports directly to senior management and is independent from the business trading units., (2) The FDIC-supervised institution must validate its internal models initially and on an ongoing basis. The FDIC-supervised institution's validation process must be independent of the internal models' development, implementation, and operation, or the validation process must be subjected to an independent review of its adequacy and effectiveness. Validation must include:, (i) An evaluation of the conceptual soundness of (including developmental evidence supporting) the internal models;, (ii) An ongoing monitoring process that includes verification of processes and the comparison of the FDIC-supervised institution's model outputs with relevant internal and external data sources or estimation techniques; and, (iii) An outcomes analysis process that includes backtesting. For internal models used to calculate the VaR-based measure, this process must include a comparison of the changes in the FDIC-supervised institution's portfolio value that would have occurred were end-of-day positions to remain unchanged (therefore, excluding fees, commissions, reserves, net interest income, and intraday trading) with VaR-based measures during a sample period not used in model development., (3) The FDIC-supervised institution must stress test the market risk of its covered positions at a frequency appropriate to each portfolio, and in no case less frequently than quarterly. The stress tests must take into account concentration risk (including but not limited to concentrations in single issuers, industries, sectors, or markets), illiquidity under stressed market conditions, and risks arising from the FDIC-supervised institution's trading activities that may not be adequately captured in its internal models., (4) The FDIC-supervised institution must have an internal audit function independent of business-line management that at least annually assesses the effectiveness of the controls supporting the FDIC-supervised institution's market risk measurement systems, including the activities of the business trading units and independent risk control unit, compliance with policies and procedures, and calculation of the FDIC-supervised institution's measures for market risk under this subpart. At least annually, the internal audit function must report its findings to the FDIC-supervised institution's board of directors (or a committee thereof)., (e) Internal assessment of capital adequacy. The FDIC-supervised institution must have a rigorous process for assessing its overall capital adequacy in relation to its market risk. The assessment must take into account risks that may not be captured fully in the VaR-based measure, including concentration and liquidity risk under stressed market conditions., (f) Documentation. The FDIC-supervised institution must adequately document all material aspects of its internal models, management and valuation of covered positions, control, oversight, validation and review processes and results, and internal assessment of capital adequacy.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["324"],"part_title":["PART 324 - CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS"],"section":["324.203"],"section_title":["\u00a7 324.203 Requirements for application of this subpart F."]},"_input_hash":32879830,"_task_hash":-783699063,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815076,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Trading positions - (1) Identification of trading positions. An FDIC-supervised institution must have clearly defined policies and procedures for determining which of its trading assets and trading liabilities are trading positions and which of its trading positions are correlation trading positions. These policies and procedures must take into account:, (i) The extent to which a position, or a hedge of its material risks, can be marked-to-market daily by reference to a two-way market; and, (ii) Possible impairments to the liquidity of a position or its hedge., (2) Trading and hedging strategies. An FDIC-supervised institution must have clearly defined trading and hedging strategies for its trading positions that are approved by senior management of the FDIC-supervised institution., (i) The trading strategy must articulate the expected holding period of, and the market risk associated with, each portfolio of trading positions., (ii) The hedging strategy must articulate for each portfolio of trading positions the level of market risk the FDIC-supervised institution is willing to accept and must detail the instruments, techniques, and strategies the FDIC-supervised institution will use to hedge the risk of the portfolio., (b) Management of covered positions - (1) Active management. An FDIC-supervised institution must have clearly defined policies and procedures for actively managing all covered positions. At a minimum, these policies and procedures must require:, (i) Marking positions to market or to model on a daily basis;, (ii) Daily assessment of the FDIC-supervised institution's ability to hedge position and portfolio risks, and of the extent of market liquidity;, (iii) Establishment and daily monitoring of limits on positions by a risk control unit independent of the trading business unit;, (iv) Daily monitoring by senior management of information described in paragraphs (b)(1)(i) through (b)(1)(iii) of this section;, (v) At least annual reassessment of established limits on positions by senior management; and, (vi) At least annual assessments by qualified personnel of the quality of market inputs to the valuation process, the soundness of key assumptions, the reliability of parameter estimation in pricing models, and the stability and accuracy of model calibration under alternative market scenarios., (2) Valuation of covered positions. The FDIC-supervised institution must have a process for prudent valuation of its covered positions that includes policies and procedures on the valuation of positions, marking positions to market or to model, independent price verification, and valuation adjustments or reserves. The valuation process must consider, as appropriate, unearned credit spreads, close-out costs, early termination costs, investing and funding costs, liquidity, and model risk., (c) Requirements for internal models. (1) An FDIC-supervised institution must obtain the prior written approval of the FDIC before using any internal model to calculate its risk-based capital requirement under this subpart., (2) An FDIC-supervised institution must meet all of the requirements of this section on an ongoing basis. The FDIC-supervised institution must promptly notify the FDIC when:, (i) The FDIC-supervised institution plans to extend the use of a model that the FDIC has approved under this subpart to an additional business line or product type;, (ii) The FDIC-supervised institution makes any change to an internal model approved by the FDIC under this subpart that would result in a material change in the FDIC-supervised institution's risk-weighted asset amount for a portfolio of covered positions; or, (iii) The FDIC-supervised institution makes any material change to its modeling assumptions., (3) The FDIC may rescind its approval of the use of any internal model (in whole or in part) or of the determination of the approach under \u00a7 324.209(a)(2)(ii) for an FDIC-supervised institution's modeled correlation trading positions and determine an appropriate capital requirement for the covered positions to which the model would apply, if the FDIC determines that the model no longer complies with this subpart or fails to reflect accurately the risks of the FDIC-supervised institution's covered positions., (4) The FDIC-supervised institution must periodically, but no less frequently than annually, review its internal models in light of developments in financial markets and modeling technologies, and enhance those models as appropriate to ensure that they continue to meet the FDIC's standards for model approval and employ risk measurement methodologies that are most appropriate for the FDIC-supervised institution's covered positions., (5) The FDIC-supervised institution must incorporate its internal models into its risk management process and integrate the internal models used for calculating its VaR-based measure into its daily risk management process., (6) The level of sophistication of an FDIC-supervised institution's internal models must be commensurate with the complexity and amount of its covered positions. An FDIC-supervised institution's internal models may use any of the generally accepted approaches, including but not limited to variance-covariance models, historical simulations, or Monte Carlo simulations, to measure market risk., (7) The FDIC-supervised institution's internal models must properly measure all the material risks in the covered positions to which they are applied., (8) The FDIC-supervised institution's internal models must conservatively assess the risks arising from less liquid positions and positions with limited price transparency under realistic market scenarios., (9) The FDIC-supervised institution must have a rigorous and well-defined process for re-estimating, re-evaluating, and updating its internal models to ensure continued applicability and relevance., (10) If an FDIC-supervised institution uses internal models to measure specific risk, the internal models must also satisfy the requirements in paragraph (b)(1) of \u00a7 324.207., (d) Control, oversight, and validation mechanisms. (1) The FDIC-supervised institution must have a risk control unit that reports directly to senior management and is independent from the business trading units., (2) The FDIC-supervised institution must validate its internal models initially and on an ongoing basis. The FDIC-supervised institution's validation process must be independent of the internal models' development, implementation, and operation, or the validation process must be subjected to an independent review of its adequacy and effectiveness. Validation must include:, (i) An evaluation of the conceptual soundness of (including developmental evidence supporting) the internal models;, (ii) An ongoing monitoring process that includes verification of processes and the comparison of the FDIC-supervised institution's model outputs with relevant internal and external data sources or estimation techniques; and, (iii) An outcomes analysis process that includes backtesting. For internal models used to calculate the VaR-based measure, this process must include a comparison of the changes in the FDIC-supervised institution's portfolio value that would have occurred were end-of-day positions to remain unchanged (therefore, excluding fees, commissions, reserves, net interest income, and intraday trading) with VaR-based measures during a sample period not used in model development., (3) The FDIC-supervised institution must stress test the market risk of its covered positions at a frequency appropriate to each portfolio, and in no case less frequently than quarterly. The stress tests must take into account concentration risk (including but not limited to concentrations in single issuers, industries, sectors, or markets), illiquidity under stressed market conditions, and risks arising from the FDIC-supervised institution's trading activities that may not be adequately captured in its internal models., (4) The FDIC-supervised institution must have an internal audit function independent of business-line management that at least annually assesses the effectiveness of the controls supporting the FDIC-supervised institution's market risk measurement systems, including the activities of the business trading units and independent risk control unit, compliance with policies and procedures, and calculation of the FDIC-supervised institution's measures for market risk under this subpart. At least annually, the internal audit function must report its findings to the FDIC-supervised institution's board of directors (or a committee thereof)., (e) Internal assessment of capital adequacy. The FDIC-supervised institution must have a rigorous process for assessing its overall capital adequacy in relation to its market risk. The assessment must take into account risks that may not be captured fully in the VaR-based measure, including concentration and liquidity risk under stressed market conditions., (f) Documentation. The FDIC-supervised institution must adequately document all material aspects of its internal models, management and valuation of covered positions, control, oversight, validation and review processes and results, and internal assessment of capital adequacy.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["324"],"part_title":["PART 324 - CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS"],"section":["324.203"],"section_title":["\u00a7 324.203 Requirements for application of this subpart F."]},"_input_hash":32879830,"_task_hash":-1940787681,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829991,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"Each Reorganization Plan shall contain a complete description of all significant terms of the proposed reorganization, shall attach and incorporate any Stock Issuance Plan proposed in connection with the Reorganization Plan, and shall:, (a) Provide for amendment of the charter and bylaws of the reorganizing association to read in the form of the charter and bylaws of a mutual holding company, and attach and incorporate such charter and bylaws;, (b) Provide for the organization of the resulting association, which shall be an interim federal or state subsidiary savings association of the reorganizing association, and attach and incorporate the proposed charter and bylaws of such association;, (c) If the reorganizing association proposes to form a subsidiary holding company, provide for the organization of a subsidiary holding company and attach and incorporate the proposed charter and bylaws of such subsidiary holding company., (d) Provide for amendment of the charter and bylaws of any acquiree association to read in the form of the charter and bylaws of a state or federal savings association in the stock form, and attach and incorporate such charter and bylaws;, (e) Provide that, upon consummation of the reorganization, substantially all of the assets and liabilities (including all savings accounts, demand accounts, tax and loan accounts, United States Treasury General Accounts, or United States Treasury Time Deposit Open Accounts, as those terms are defined in this part) of the reorganizing association shall be transferred to the resulting association, which shall thereupon become an operating subsidiary savings association of the mutual holding company;, (f) Provide that all assets, rights, obligations, and liabilities of whatever nature of the reorganizing association that are not expressly retained by the mutual holding company shall be deemed transferred to the resulting association;, (g) Provide that each depositor in the reorganizing association or any acquiree association immediately prior to the reorganization shall upon consummation of the reorganization receive, without payment, an identical account in the resulting association or the acquiree association, as the case may be (Appropriate modifications should be made to this provision if savings associations are being merged as a part of the reorganization);, (h) Provide that the Reorganization Plan as adopted by the boards of directors of the reorganizing association and any acquiree association may be substantively amended by those boards of directors as a result of comments from regulatory authorities or otherwise prior to the solicitation of proxies from the members of the reorganizing association and any acquiree association to vote on the Reorganization Plan and at any time thereafter with the concurrence of the Board; and that the reorganization may be terminated by the board of directors of the reorganizing association or any acquiree association at any time prior to the meeting of the members of the association called to consider the Reorganization Plan and at any time thereafter with the concurrence of the Board;, (i) Provide that the Reorganization Plan shall be terminated if not completed within a specified period of time (The time period shall not be more than 24 months from the date upon which the members of the reorganizing association or the date upon which the members of any acquiree association, whichever is earlier, approve the Reorganization Plan and may not be extended by the reorganizing or acquiree association); and, (j) Provide that the expenses incurred in connection with the reorganization shall be reasonable.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["239"],"part_title":["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"],"section":["239.6"],"section_title":["\u00a7 239.6 Contents of Reorganization Plans."]},"_input_hash":1562354093,"_task_hash":-676748528,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844222,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"Each Reorganization Plan shall contain a complete description of all significant terms of the proposed reorganization, shall attach and incorporate any Stock Issuance Plan proposed in connection with the Reorganization Plan, and shall:, (a) Provide for amendment of the charter and bylaws of the reorganizing association to read in the form of the charter and bylaws of a mutual holding company, and attach and incorporate such charter and bylaws;, (b) Provide for the organization of the resulting association, which shall be an interim federal or state subsidiary savings association of the reorganizing association, and attach and incorporate the proposed charter and bylaws of such association;, (c) If the reorganizing association proposes to form a subsidiary holding company, provide for the organization of a subsidiary holding company and attach and incorporate the proposed charter and bylaws of such subsidiary holding company., (d) Provide for amendment of the charter and bylaws of any acquiree association to read in the form of the charter and bylaws of a state or federal savings association in the stock form, and attach and incorporate such charter and bylaws;, (e) Provide that, upon consummation of the reorganization, substantially all of the assets and liabilities (including all savings accounts, demand accounts, tax and loan accounts, United States Treasury General Accounts, or United States Treasury Time Deposit Open Accounts, as those terms are defined in this part) of the reorganizing association shall be transferred to the resulting association, which shall thereupon become an operating subsidiary savings association of the mutual holding company;, (f) Provide that all assets, rights, obligations, and liabilities of whatever nature of the reorganizing association that are not expressly retained by the mutual holding company shall be deemed transferred to the resulting association;, (g) Provide that each depositor in the reorganizing association or any acquiree association immediately prior to the reorganization shall upon consummation of the reorganization receive, without payment, an identical account in the resulting association or the acquiree association, as the case may be (Appropriate modifications should be made to this provision if savings associations are being merged as a part of the reorganization);, (h) Provide that the Reorganization Plan as adopted by the boards of directors of the reorganizing association and any acquiree association may be substantively amended by those boards of directors as a result of comments from regulatory authorities or otherwise prior to the solicitation of proxies from the members of the reorganizing association and any acquiree association to vote on the Reorganization Plan and at any time thereafter with the concurrence of the Board; and that the reorganization may be terminated by the board of directors of the reorganizing association or any acquiree association at any time prior to the meeting of the members of the association called to consider the Reorganization Plan and at any time thereafter with the concurrence of the Board;, (i) Provide that the Reorganization Plan shall be terminated if not completed within a specified period of time (The time period shall not be more than 24 months from the date upon which the members of the reorganizing association or the date upon which the members of any acquiree association, whichever is earlier, approve the Reorganization Plan and may not be extended by the reorganizing or acquiree association); and, (j) Provide that the expenses incurred in connection with the reorganization shall be reasonable.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["239"],"part_title":["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"],"section":["239.6"],"section_title":["\u00a7 239.6 Contents of Reorganization Plans."]},"_input_hash":1562354093,"_task_hash":-676748528,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815093,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"Each Reorganization Plan shall contain a complete description of all significant terms of the proposed reorganization, shall attach and incorporate any Stock Issuance Plan proposed in connection with the Reorganization Plan, and shall:, (a) Provide for amendment of the charter and bylaws of the reorganizing association to read in the form of the charter and bylaws of a mutual holding company, and attach and incorporate such charter and bylaws;, (b) Provide for the organization of the resulting association, which shall be an interim federal or state subsidiary savings association of the reorganizing association, and attach and incorporate the proposed charter and bylaws of such association;, (c) If the reorganizing association proposes to form a subsidiary holding company, provide for the organization of a subsidiary holding company and attach and incorporate the proposed charter and bylaws of such subsidiary holding company., (d) Provide for amendment of the charter and bylaws of any acquiree association to read in the form of the charter and bylaws of a state or federal savings association in the stock form, and attach and incorporate such charter and bylaws;, (e) Provide that, upon consummation of the reorganization, substantially all of the assets and liabilities (including all savings accounts, demand accounts, tax and loan accounts, United States Treasury General Accounts, or United States Treasury Time Deposit Open Accounts, as those terms are defined in this part) of the reorganizing association shall be transferred to the resulting association, which shall thereupon become an operating subsidiary savings association of the mutual holding company;, (f) Provide that all assets, rights, obligations, and liabilities of whatever nature of the reorganizing association that are not expressly retained by the mutual holding company shall be deemed transferred to the resulting association;, (g) Provide that each depositor in the reorganizing association or any acquiree association immediately prior to the reorganization shall upon consummation of the reorganization receive, without payment, an identical account in the resulting association or the acquiree association, as the case may be (Appropriate modifications should be made to this provision if savings associations are being merged as a part of the reorganization);, (h) Provide that the Reorganization Plan as adopted by the boards of directors of the reorganizing association and any acquiree association may be substantively amended by those boards of directors as a result of comments from regulatory authorities or otherwise prior to the solicitation of proxies from the members of the reorganizing association and any acquiree association to vote on the Reorganization Plan and at any time thereafter with the concurrence of the Board; and that the reorganization may be terminated by the board of directors of the reorganizing association or any acquiree association at any time prior to the meeting of the members of the association called to consider the Reorganization Plan and at any time thereafter with the concurrence of the Board;, (i) Provide that the Reorganization Plan shall be terminated if not completed within a specified period of time (The time period shall not be more than 24 months from the date upon which the members of the reorganizing association or the date upon which the members of any acquiree association, whichever is earlier, approve the Reorganization Plan and may not be extended by the reorganizing or acquiree association); and, (j) Provide that the expenses incurred in connection with the reorganization shall be reasonable.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["239"],"part_title":["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"],"section":["239.6"],"section_title":["\u00a7 239.6 Contents of Reorganization Plans."]},"_input_hash":1562354093,"_task_hash":-387474418,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711823204,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"For purposes of this part: , (a) Minority has the same meaning as defined by the Small Business Administration at 13 CFR 124.103(b). , (b) Legal Services means all services provided by attorneys or law firms (including services of support staff). ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["361"],"part_title":["PART 361 - MINORITY AND WOMEN OUTREACH PROGRAM CONTRACTING"],"section":["361.3"],"section_title":["\u00a7 361.3 Who may participate in this outreach program?"]},"_input_hash":1940168110,"_task_hash":801942308,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844236,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\""],"versions":[{"text":"For purposes of this part: , (a) Minority has the same meaning as defined by the Small Business Administration at 13 CFR 124.103(b). , (b) Legal Services means all services provided by attorneys or law firms (including services of support staff). ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["361"],"part_title":["PART 361 - MINORITY AND WOMEN OUTREACH PROGRAM CONTRACTING"],"section":["361.3"],"section_title":["\u00a7 361.3 Who may participate in this outreach program?"]},"_input_hash":1940168110,"_task_hash":801942308,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815118,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":true},{"text":"For purposes of this part: , (a) Minority has the same meaning as defined by the Small Business Administration at 13 CFR 124.103(b). , (b) Legal Services means all services provided by attorneys or law firms (including services of support staff). ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["361"],"part_title":["PART 361 - MINORITY AND WOMEN OUTREACH PROGRAM CONTRACTING"],"section":["361.3"],"section_title":["\u00a7 361.3 Who may participate in this outreach program?"]},"_input_hash":1940168110,"_task_hash":81820627,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711823236,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"For purposes of this part: , (a) Minority has the same meaning as defined by the Small Business Administration at 13 CFR 124.103(b). , (b) Legal Services means all services provided by attorneys or law firms (including services of support staff). ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["361"],"part_title":["PART 361 - MINORITY AND WOMEN OUTREACH PROGRAM CONTRACTING"],"section":["361.3"],"section_title":["\u00a7 361.3 Who may participate in this outreach program?"]},"_input_hash":1940168110,"_task_hash":1510345057,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711829999,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false},{"text":"For purposes of this part: , (a) Minority has the same meaning as defined by the Small Business Administration at 13 CFR 124.103(b). , (b) Legal Services means all services provided by attorneys or law firms (including services of support staff). ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["361"],"part_title":["PART 361 - MINORITY AND WOMEN OUTREACH PROGRAM CONTRACTING"],"section":["361.3"],"section_title":["\u00a7 361.3 Who may participate in this outreach program?"]},"_input_hash":1940168110,"_task_hash":-475350389,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711839337,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) The Directorate proposes a budget. By November 15 of each year, the Directorate must approve and submit to the Secretary a proposed budget for the administrative expenses of the Funding Corporation for the following year. , (b) The Secretary approves the budget. The Funding Corporation's budget is subject to the Secretary's prior approval. The proposed budget submitted by the Directorate shall be deemed to be approved by the Secretary unless the Secretary disapproves it within 45 days of the date submitted. The Funding Corporation must transmit a copy of the approved budget to each Bank. , (c) Budget changes must be approved by the Secretary. If the Funding Corporation projects or anticipates incurring expenses exceeding its approved budget, the Directorate must submit an amended budget to the Secretary for approval. , (d) The Funding Corporation collects funds from the Banks to pay its administrative expenses. At least semiannually, the Funding Corporation must request that each Bank submit within 10 business days of the request payment for a portion of the administrative expenses in the Funding Corporation's budget for the current calendar year. The amount of each Bank's payment must be pro rated according to the percentage of the total outstanding Funding Corporation capital stock owned by the Bank. The Funding Corporation must adjust the amount of each Bank's payment as necessary to reflect differences between aggregate projected and actual administrative expenses incurred during the calendar year and to reflect any changes in estimated aggregate administrative expenses for the coming period. The Funding Corporation must not request payments from the Banks that, in the aggregate, exceed the administrative expenses in the Funding Corporation's approved budget. ","meta":{"chapter":["XV"],"chapter_title":["CHAPTER XV - DEPARTMENT OF THE TREASURY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - RESOLUTION FUNDING CORPORATION"],"part":["1510"],"part_title":["PART 1510 - RESOLUTION FUNDING CORPORATION OPERATIONS"],"section":["1510.3"],"section_title":["\u00a7 1510.3 How does the Funding Corporation pay administrative expenses?"]},"_input_hash":-1325732781,"_task_hash":129136420,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844254,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) The Directorate proposes a budget. By November 15 of each year, the Directorate must approve and submit to the Secretary a proposed budget for the administrative expenses of the Funding Corporation for the following year. , (b) The Secretary approves the budget. The Funding Corporation's budget is subject to the Secretary's prior approval. The proposed budget submitted by the Directorate shall be deemed to be approved by the Secretary unless the Secretary disapproves it within 45 days of the date submitted. The Funding Corporation must transmit a copy of the approved budget to each Bank. , (c) Budget changes must be approved by the Secretary. If the Funding Corporation projects or anticipates incurring expenses exceeding its approved budget, the Directorate must submit an amended budget to the Secretary for approval. , (d) The Funding Corporation collects funds from the Banks to pay its administrative expenses. At least semiannually, the Funding Corporation must request that each Bank submit within 10 business days of the request payment for a portion of the administrative expenses in the Funding Corporation's budget for the current calendar year. The amount of each Bank's payment must be pro rated according to the percentage of the total outstanding Funding Corporation capital stock owned by the Bank. The Funding Corporation must adjust the amount of each Bank's payment as necessary to reflect differences between aggregate projected and actual administrative expenses incurred during the calendar year and to reflect any changes in estimated aggregate administrative expenses for the coming period. The Funding Corporation must not request payments from the Banks that, in the aggregate, exceed the administrative expenses in the Funding Corporation's approved budget. ","meta":{"chapter":["XV"],"chapter_title":["CHAPTER XV - DEPARTMENT OF THE TREASURY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - RESOLUTION FUNDING CORPORATION"],"part":["1510"],"part_title":["PART 1510 - RESOLUTION FUNDING CORPORATION OPERATIONS"],"section":["1510.3"],"section_title":["\u00a7 1510.3 How does the Funding Corporation pay administrative expenses?"]},"_input_hash":-1325732781,"_task_hash":129136420,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815134,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) The Directorate proposes a budget. By November 15 of each year, the Directorate must approve and submit to the Secretary a proposed budget for the administrative expenses of the Funding Corporation for the following year. , (b) The Secretary approves the budget. The Funding Corporation's budget is subject to the Secretary's prior approval. The proposed budget submitted by the Directorate shall be deemed to be approved by the Secretary unless the Secretary disapproves it within 45 days of the date submitted. The Funding Corporation must transmit a copy of the approved budget to each Bank. , (c) Budget changes must be approved by the Secretary. If the Funding Corporation projects or anticipates incurring expenses exceeding its approved budget, the Directorate must submit an amended budget to the Secretary for approval. , (d) The Funding Corporation collects funds from the Banks to pay its administrative expenses. At least semiannually, the Funding Corporation must request that each Bank submit within 10 business days of the request payment for a portion of the administrative expenses in the Funding Corporation's budget for the current calendar year. The amount of each Bank's payment must be pro rated according to the percentage of the total outstanding Funding Corporation capital stock owned by the Bank. The Funding Corporation must adjust the amount of each Bank's payment as necessary to reflect differences between aggregate projected and actual administrative expenses incurred during the calendar year and to reflect any changes in estimated aggregate administrative expenses for the coming period. The Funding Corporation must not request payments from the Banks that, in the aggregate, exceed the administrative expenses in the Funding Corporation's approved budget. ","meta":{"chapter":["XV"],"chapter_title":["CHAPTER XV - DEPARTMENT OF THE TREASURY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - RESOLUTION FUNDING CORPORATION"],"part":["1510"],"part_title":["PART 1510 - RESOLUTION FUNDING CORPORATION OPERATIONS"],"section":["1510.3"],"section_title":["\u00a7 1510.3 How does the Funding Corporation pay administrative expenses?"]},"_input_hash":-1325732781,"_task_hash":-3214684,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711823246,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Authority. Subpart D of Regulation H (12 CFR part 208, Subpart D) is issued by the Board of Governors of the Federal Reserve System (Board) under section 38 (section 38) of the FDI Act as added by section 131 of the Federal Deposit Insurance Corporation Improvement Act of 1991 (Pub. L. 102-242, 105 Stat. 2236 (1991)) (12 U.S.C. 1831o)., (b) Purpose and scope. This subpart D defines the capital measures and capital levels that are used for determining the supervisory actions authorized under section 38 of the FDI Act. (Section 38 of the FDI Act establishes a framework of supervisory actions for insured depository institutions that are not adequately capitalized.) This subpart also establishes procedures for submission and review of capital restoration plans and for issuance and review of directives and orders pursuant to section 38. Certain of the provisions of this subpart apply to officers, directors, and employees of state member banks. Other provisions apply to any company that controls a member bank and to the affiliates of the member bank., (c) Other supervisory authority. Neither section 38 nor this subpart in any way limits the authority of the Board under any other provision of law to take supervisory actions to address unsafe or unsound practices or conditions, deficient capital levels, violations of law, or other practices. Action under section 38 of the FDI Act and this subpart may be taken independently of, in conjunction with, or in addition to any other enforcement action available to the Board, including issuance of cease and desist orders, capital directives, approval or denial of applications or notices, assessment of civil money penalties, or any other actions authorized by law., (d) Disclosure of capital categories. The assignment of a bank under this subpart within a particular capital category is for purposes of implementing and applying the provisions of section 38. Unless permitted by the Board or otherwise required by law, no bank may state in any advertisement or promotional material its capital category under this subpart or that the Board or any other Federal banking agency has assigned the bank to a particular capital category., (e) Timing. The calculation of the definitions of common equity tier 1 capital, the common equity tier 1 risk-based capital ratio, the leverage ratio, the supplementary leverage ratio, tangible equity, tier 1 capital, the tier 1 risk-based capital ratio, total assets, total leverage exposure, the total risk-based capital ratio, and total risk-weighted assets under this subpart is subject to the timing provisions at 12 CFR 217.1(f) and the transitions at 12 CFR part 217, subpart G.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["208"],"part_title":["PART 208 - MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H)"],"section":["208.40"],"section_title":["\u00a7 208.40 Authority, purpose, scope, other supervisory authority, and disclosure of capital categories."]},"_input_hash":-174387159,"_task_hash":-1714967147,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844256,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) Authority. Subpart D of Regulation H (12 CFR part 208, Subpart D) is issued by the Board of Governors of the Federal Reserve System (Board) under section 38 (section 38) of the FDI Act as added by section 131 of the Federal Deposit Insurance Corporation Improvement Act of 1991 (Pub. L. 102-242, 105 Stat. 2236 (1991)) (12 U.S.C. 1831o)., (b) Purpose and scope. This subpart D defines the capital measures and capital levels that are used for determining the supervisory actions authorized under section 38 of the FDI Act. (Section 38 of the FDI Act establishes a framework of supervisory actions for insured depository institutions that are not adequately capitalized.) This subpart also establishes procedures for submission and review of capital restoration plans and for issuance and review of directives and orders pursuant to section 38. Certain of the provisions of this subpart apply to officers, directors, and employees of state member banks. Other provisions apply to any company that controls a member bank and to the affiliates of the member bank., (c) Other supervisory authority. Neither section 38 nor this subpart in any way limits the authority of the Board under any other provision of law to take supervisory actions to address unsafe or unsound practices or conditions, deficient capital levels, violations of law, or other practices. Action under section 38 of the FDI Act and this subpart may be taken independently of, in conjunction with, or in addition to any other enforcement action available to the Board, including issuance of cease and desist orders, capital directives, approval or denial of applications or notices, assessment of civil money penalties, or any other actions authorized by law., (d) Disclosure of capital categories. The assignment of a bank under this subpart within a particular capital category is for purposes of implementing and applying the provisions of section 38. Unless permitted by the Board or otherwise required by law, no bank may state in any advertisement or promotional material its capital category under this subpart or that the Board or any other Federal banking agency has assigned the bank to a particular capital category., (e) Timing. The calculation of the definitions of common equity tier 1 capital, the common equity tier 1 risk-based capital ratio, the leverage ratio, the supplementary leverage ratio, tangible equity, tier 1 capital, the tier 1 risk-based capital ratio, total assets, total leverage exposure, the total risk-based capital ratio, and total risk-weighted assets under this subpart is subject to the timing provisions at 12 CFR 217.1(f) and the transitions at 12 CFR part 217, subpart G.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["208"],"part_title":["PART 208 - MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H)"],"section":["208.40"],"section_title":["\u00a7 208.40 Authority, purpose, scope, other supervisory authority, and disclosure of capital categories."]},"_input_hash":-174387159,"_task_hash":-1714967147,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815145,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) Authority. Subpart D of Regulation H (12 CFR part 208, Subpart D) is issued by the Board of Governors of the Federal Reserve System (Board) under section 38 (section 38) of the FDI Act as added by section 131 of the Federal Deposit Insurance Corporation Improvement Act of 1991 (Pub. L. 102-242, 105 Stat. 2236 (1991)) (12 U.S.C. 1831o)., (b) Purpose and scope. This subpart D defines the capital measures and capital levels that are used for determining the supervisory actions authorized under section 38 of the FDI Act. (Section 38 of the FDI Act establishes a framework of supervisory actions for insured depository institutions that are not adequately capitalized.) This subpart also establishes procedures for submission and review of capital restoration plans and for issuance and review of directives and orders pursuant to section 38. Certain of the provisions of this subpart apply to officers, directors, and employees of state member banks. Other provisions apply to any company that controls a member bank and to the affiliates of the member bank., (c) Other supervisory authority. Neither section 38 nor this subpart in any way limits the authority of the Board under any other provision of law to take supervisory actions to address unsafe or unsound practices or conditions, deficient capital levels, violations of law, or other practices. Action under section 38 of the FDI Act and this subpart may be taken independently of, in conjunction with, or in addition to any other enforcement action available to the Board, including issuance of cease and desist orders, capital directives, approval or denial of applications or notices, assessment of civil money penalties, or any other actions authorized by law., (d) Disclosure of capital categories. The assignment of a bank under this subpart within a particular capital category is for purposes of implementing and applying the provisions of section 38. Unless permitted by the Board or otherwise required by law, no bank may state in any advertisement or promotional material its capital category under this subpart or that the Board or any other Federal banking agency has assigned the bank to a particular capital category., (e) Timing. The calculation of the definitions of common equity tier 1 capital, the common equity tier 1 risk-based capital ratio, the leverage ratio, the supplementary leverage ratio, tangible equity, tier 1 capital, the tier 1 risk-based capital ratio, total assets, total leverage exposure, the total risk-based capital ratio, and total risk-weighted assets under this subpart is subject to the timing provisions at 12 CFR 217.1(f) and the transitions at 12 CFR part 217, subpart G.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["208"],"part_title":["PART 208 - MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H)"],"section":["208.40"],"section_title":["\u00a7 208.40 Authority, purpose, scope, other supervisory authority, and disclosure of capital categories."]},"_input_hash":-174387159,"_task_hash":27562031,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830205,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false},{"text":"(a) Authority. Subpart D of Regulation H (12 CFR part 208, Subpart D) is issued by the Board of Governors of the Federal Reserve System (Board) under section 38 (section 38) of the FDI Act as added by section 131 of the Federal Deposit Insurance Corporation Improvement Act of 1991 (Pub. L. 102-242, 105 Stat. 2236 (1991)) (12 U.S.C. 1831o)., (b) Purpose and scope. This subpart D defines the capital measures and capital levels that are used for determining the supervisory actions authorized under section 38 of the FDI Act. (Section 38 of the FDI Act establishes a framework of supervisory actions for insured depository institutions that are not adequately capitalized.) This subpart also establishes procedures for submission and review of capital restoration plans and for issuance and review of directives and orders pursuant to section 38. Certain of the provisions of this subpart apply to officers, directors, and employees of state member banks. Other provisions apply to any company that controls a member bank and to the affiliates of the member bank., (c) Other supervisory authority. Neither section 38 nor this subpart in any way limits the authority of the Board under any other provision of law to take supervisory actions to address unsafe or unsound practices or conditions, deficient capital levels, violations of law, or other practices. Action under section 38 of the FDI Act and this subpart may be taken independently of, in conjunction with, or in addition to any other enforcement action available to the Board, including issuance of cease and desist orders, capital directives, approval or denial of applications or notices, assessment of civil money penalties, or any other actions authorized by law., (d) Disclosure of capital categories. The assignment of a bank under this subpart within a particular capital category is for purposes of implementing and applying the provisions of section 38. Unless permitted by the Board or otherwise required by law, no bank may state in any advertisement or promotional material its capital category under this subpart or that the Board or any other Federal banking agency has assigned the bank to a particular capital category., (e) Timing. The calculation of the definitions of common equity tier 1 capital, the common equity tier 1 risk-based capital ratio, the leverage ratio, the supplementary leverage ratio, tangible equity, tier 1 capital, the tier 1 risk-based capital ratio, total assets, total leverage exposure, the total risk-based capital ratio, and total risk-weighted assets under this subpart is subject to the timing provisions at 12 CFR 217.1(f) and the transitions at 12 CFR part 217, subpart G.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["208"],"part_title":["PART 208 - MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H)"],"section":["208.40"],"section_title":["\u00a7 208.40 Authority, purpose, scope, other supervisory authority, and disclosure of capital categories."]},"_input_hash":-174387159,"_task_hash":-1621823385,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711839409,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Sovereign exposures - (1) Exposures to the U.S. government. (i) Notwithstanding any other requirement in this subpart, an FDIC-supervised institution must assign a zero percent risk weight to:, (A) An exposure to the U.S. government, its central bank, or a U.S. government agency; and, (B) The portion of an exposure that is directly and unconditionally guaranteed by the U.S. government, its central bank, or a U.S. government agency. This includes a deposit or other exposure, or the portion of a deposit or other exposure, that is insured or otherwise unconditionally guaranteed by the FDIC or National Credit Union Administration., (ii) An FDIC-supervised institution must assign a 20 percent risk weight to the portion of an exposure that is conditionally guaranteed by the U.S. government, its central bank, or a U.S. government agency. This includes an exposure, or the portion of an exposure, that is conditionally guaranteed by the FDIC or National Credit Union Administration., (iii) An FDIC-supervised institution must assign a zero percent risk weight to a Paycheck Protection Program covered loan as defined in section 7(a)(36) of the Small Business Act (15 U.S.C. 636(a)(36))., (2) Other sovereign exposures. In accordance with Table 1 to \u00a7 324.32, an FDIC-supervised institution must assign a risk weight to a sovereign exposure based on the CRC applicable to the sovereign or the sovereign's OECD membership status if there is no CRC applicable to the sovereign., Table 1 to \u00a7 324.32 - Risk Weights for Sovereign Exposures, (3) Certain sovereign exposures. Notwithstanding paragraph (a)(2) of this section, an FDIC-supervised institution may assign to a sovereign exposure a risk weight that is lower than the applicable risk weight in Table 1 to \u00a7 324.32 if:, (i) The exposure is denominated in the sovereign's currency;, (ii) The FDIC-supervised institution has at least an equivalent amount of liabilities in that currency; and, (iii) The risk weight is not lower than the risk weight that the home country supervisor allows FDIC-supervised institutions under its jurisdiction to assign to the same exposures to the sovereign., (4) Exposures to a non-OECD member sovereign with no CRC. Except as provided in paragraphs (a)(3), (a)(5) and (a)(6) of this section, an FDIC-supervised institution must assign a 100 percent risk weight to an exposure to a sovereign if the sovereign does not have a CRC., (5) Exposures to an OECD member sovereign with no CRC. Except as provided in paragraph (a)(6) of this section, an FDIC-supervised institution must assign a 0 percent risk weight to an exposure to a sovereign that is a member of the OECD if the sovereign does not have a CRC., (6) Sovereign default. An FDIC-supervised institution must assign a 150 percent risk weight to a sovereign exposure immediately upon determining that an event of sovereign default has occurred, or if an event of sovereign default has occurred during the previous five years., (b) Certain supranational entities and multilateral development banks (MDBs). An FDIC-supervised institution must assign a zero percent risk weight to an exposure to the Bank for International Settlements, the European Central Bank, the European Commission, the International Monetary Fund, the European Stability Mechanism, the European Financial Stability Facility, or an MDB., (c) Exposures to GSEs. (1) An FDIC-supervised institution must assign a 20 percent risk weight to an exposure to a GSE other than an equity exposure or preferred stock., (2) An FDIC-supervised institution must assign a 100 percent risk weight to preferred stock issued by a GSE., (d) Exposures to depository institutions, foreign banks, and credit unions - (1) Exposures to U.S. depository institutions and credit unions. An FDIC-supervised institution must assign a 20 percent risk weight to an exposure to a depository institution or credit union that is organized under the laws of the United States or any state thereof, except as otherwise provided under paragraph (d)(3) of this section., (2) Exposures to foreign banks. (i) Except as otherwise provided under paragraphs (d)(2)(iii), (d)(2)(v), and (d)(3) of this section, an FDIC-supervised institution must assign a risk weight to an exposure to a foreign bank, in accordance with Table 2 to \u00a7 324.32, based on the CRC that corresponds to the foreign bank's home country or the OECD membership status of the foreign bank's home country if there is no CRC applicable to the foreign bank's home country.,
Table 2 to \u00a7 324.32 - Risk Weights for Exposures to Foreign Banks, (ii) An FDIC-supervised institution must assign a 20 percent risk weight to an exposure to a foreign bank whose home country is a member of the OECD and does not have a CRC., (iii) An FDIC-supervised institution must assign a 20 percent risk-weight to an exposure that is a self-liquidating, trade-related contingent item that arises from the movement of goods and that has a maturity of three months or less to a foreign bank whose home country has a CRC of 0, 1, 2, or 3, or is an OECD member with no CRC., (iv) An FDIC-supervised institution must assign a 100 percent risk weight to an exposure to a foreign bank whose home country is not a member of the OECD and does not have a CRC, with the exception of self-liquidating, trade-related contingent items that arise from the movement of goods, and that have a maturity of three months or less, which may be assigned a 20 percent risk weight., (v) An FDIC-supervised institution must assign a 150 percent risk weight to an exposure to a foreign bank immediately upon determining that an event of sovereign default has occurred in the bank's home country, or if an event of sovereign default has occurred in the foreign bank's home country during the previous five years., (3) An FDIC-supervised institution must assign a 100 percent risk weight to an exposure to a financial institution if the exposure may be included in that financial institution's capital unless the exposure is:, (i) An equity exposure;, (ii) A significant investment in the capital of an unconsolidated financial institution in the form of common stock pursuant to \u00a7 324.22(d)(2)(i)(c);, (iii) Deducted from regulatory capital under \u00a7 324.22; or, (iv) Subject to a 150 percent risk weight under paragraph (d)(2)(iv) or Table 2 of paragraph (d)(2) of this section., (e) Exposures to public sector entities (PSEs) - (1) Exposures to U.S. PSEs. (i) An FDIC-supervised institution must assign a 20 percent risk weight to a general obligation exposure to a PSE that is organized under the laws of the United States or any state or political subdivision thereof., (ii) An FDIC-supervised institution must assign a 50 percent risk weight to a revenue obligation exposure to a PSE that is organized under the laws of the United States or any state or political subdivision thereof., (2) Exposures to foreign PSEs. (i) Except as provided in paragraphs (e)(1) and (e)(3) of this section, an FDIC-supervised institution must assign a risk weight to a general obligation exposure to a PSE, in accordance with Table 3 to \u00a7 324.32, based on the CRC that corresponds to the PSE's home country or the OECD membership status of the PSE's home country if there is no CRC applicable to the PSE's home country., (ii) Except as provided in paragraphs (e)(1) and (e)(3) of this section, an FDIC-supervised institution must assign a risk weight to a revenue obligation exposure to a PSE, in accordance with Table 4 to \u00a7 324.32, based on the CRC that corresponds to the PSE's home country; or the OECD membership status of the PSE's home country if there is no CRC applicable to the PSE's home country., (3) An FDIC-supervised institution may assign a lower risk weight than would otherwise apply under Tables 3 or 4 to \u00a7 324.32 to an exposure to a foreign PSE if:, (i) The PSE's home country supervisor allows banks under its jurisdiction to assign a lower risk weight to such exposures; and, (ii) The risk weight is not lower than the risk weight that corresponds to the PSE's home country in accordance with Table 1 to \u00a7 324.32.,
Table 3 to \u00a7 324.32 - Risk Weights for non-U.S. PSE General Obligations,
Table 4 to \u00a7 324.32 - Risk Weights for non-U.S. PSE Revenue Obligations, (4) Exposures to PSEs from an OECD member sovereign with no CRC. (i) An FDIC-supervised institution must assign a 20 percent risk weight to a general obligation exposure to a PSE whose home country is an OECD member sovereign with no CRC., (ii) An FDIC-supervised institution must assign a 50 percent risk weight to a revenue obligation exposure to a PSE whose home country is an OECD member sovereign with no CRC., (5) Exposures to PSEs whose home country is not an OECD member sovereign with no CRC. An FDIC-supervised institution must assign a 100 percent risk weight to an exposure to a PSE whose home country is not a member of the OECD and does not have a CRC., (6) An FDIC-supervised institution must assign a 150 percent risk weight to a PSE exposure immediately upon determining that an event of sovereign default has occurred in a PSE's home country or if an event of sovereign default has occurred in the PSE's home country during the previous five years., (f) Corporate exposures. (1) An FDIC-supervised institution must assign a 100 percent risk weight to all its corporate exposures, except as provided in paragraphs (f)(2) and (f)(3) of this section., (2) A FDIC-supervised institution must assign a 2 percent risk weight to an exposure to a QCCP arising from the FDIC-supervised institution posting cash collateral to the QCCP in connection with a cleared transaction that meets the requirements of \u00a7 324.35(b)(3)(i)(A) and a 4 percent risk weight to an exposure to a QCCP arising from the FDIC-supervised institution posting cash collateral to the QCCP in connection with a cleared transaction that meets the requirements of \u00a7 324.35(b)(3)(i)(B)., (3) A FDIC-supervised institution must assign a 2 percent risk weight to an exposure to a QCCP arising from the FDIC-supervised institution posting cash collateral to the QCCP in connection with a cleared transaction that meets the requirements of \u00a7 324.35(c)(3)(i)., (g) Residential mortgage exposures. (1) An FDIC-supervised institution must assign a 50 percent risk weight to a first-lien residential mortgage exposure that:, (i) Is secured by a property that is either owner-occupied or rented;, (ii) Is made in accordance with prudent underwriting standards, including standards relating to the loan amount as a percent of the appraised value of the property;, (iii) Is not 90 days or more past due or carried in nonaccrual status; and, (iv) Is not restructured or modified., (2) An FDIC-supervised institution must assign a 100 percent risk weight to a first-lien residential mortgage exposure that does not meet the criteria in paragraph (g)(1) of this section, and to junior-lien residential mortgage exposures., (3) For the purpose of this paragraph (g), if an FDIC-supervised institution holds the first-lien and junior-lien(s) residential mortgage exposures, and no other party holds an intervening lien, the FDIC-supervised institution must combine the exposures and treat them as a single first-lien residential mortgage exposure., (4) A loan modified or restructured solely pursuant to the U.S. Treasury's Home Affordable Mortgage Program is not modified or restructured for purposes of this section., (h) Pre-sold construction loans. An FDIC-supervised institution must assign a 50 percent risk weight to a pre-sold construction loan unless the purchase contract is cancelled, in which case an FDIC-supervised institution must assign a 100 percent risk weight., (i) Statutory multifamily mortgages. An FDIC-supervised institution must assign a 50 percent risk weight to a statutory multifamily mortgage., (j) High-volatility commercial real estate (HVCRE) exposures. An FDIC-supervised institution must assign a 150 percent risk weight to an HVCRE exposure., (k) Past due exposures. Except for an exposure to a sovereign entity or a residential mortgage exposure or a policy loan, if an exposure is 90 days or more past due or on nonaccrual:, (1) An FDIC-supervised institution must assign a 150 percent risk weight to the portion of the exposure that is not guaranteed or that is unsecured;, (2) An FDIC-supervised institution may assign a risk weight to the guaranteed portion of a past due exposure based on the risk weight that applies under \u00a7 324.36 if the guarantee or credit derivative meets the requirements of that section; and, (3) An FDIC-supervised institution may assign a risk weight to the collateralized portion of a past due exposure based on the risk weight that applies under \u00a7 324.37 if the collateral meets the requirements of that section., (l) Other assets. (1) An FDIC-supervised institution must assign a zero percent risk weight to cash owned and held in all offices of the FDIC-supervised institution or in transit; to gold bullion held in the FDIC-supervised institution's own vaults or held in another depository institution's vaults on an allocated basis, to the extent the gold bullion assets are offset by gold bullion liabilities; and to exposures that arise from the settlement of cash transactions (such as equities, fixed income, spot foreign exchange and spot commodities) with a central counterparty where there is no assumption of ongoing counterparty credit risk by the central counterparty after settlement of the trade and associated default fund contributions., (2) An FDIC-supervised institution must assign a 20 percent risk weight to cash items in the process of collection., (3) An FDIC-supervised institution must assign a 100 percent risk weight to DTAs arising from temporary differences that the FDIC-supervised institution could realize through net operating loss carrybacks., (4) An FDIC-supervised institution must assign a 250 percent risk weight to the portion of each of the following items to the extent it is not deducted from common equity tier 1 capital pursuant to \u00a7 324.22(d):, (i) MSAs; and, (ii) DTAs arising from temporary differences that the FDIC-supervised institution could not realize through net operating loss carrybacks., (5) An FDIC-supervised institution must assign a 100 percent risk weight to all assets not specifically assigned a different risk weight under this subpart and that are not deducted from tier 1 or tier 2 capital pursuant to \u00a7 324.22., (6) Notwithstanding the requirements of this section, an FDIC-supervised institution may assign an asset that is not included in one of the categories provided in this section to the risk weight category applicable under the capital rules applicable to bank holding companies and savings and loan holding companies under 12 CFR part 217, provided that all of the following conditions apply:, (i) The FDIC-supervised institution is not authorized to hold the asset under applicable law other than debt previously contracted or similar authority; and, (ii) The risks associated with the asset are substantially similar to the risks of assets that are otherwise assigned to a risk weight category of less than 100 percent under this subpart.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["324"],"part_title":["PART 324 - CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS"],"section":["324.32"],"section_title":["\u00a7 324.32 General risk weights."]},"_input_hash":1685930044,"_task_hash":1407370045,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844258,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Sovereign exposures - (1) Exposures to the U.S. government. (i) Notwithstanding any other requirement in this subpart, an FDIC-supervised institution must assign a zero percent risk weight to:, (A) An exposure to the U.S. government, its central bank, or a U.S. government agency; and, (B) The portion of an exposure that is directly and unconditionally guaranteed by the U.S. government, its central bank, or a U.S. government agency. This includes a deposit or other exposure, or the portion of a deposit or other exposure, that is insured or otherwise unconditionally guaranteed by the FDIC or National Credit Union Administration., (ii) An FDIC-supervised institution must assign a 20 percent risk weight to the portion of an exposure that is conditionally guaranteed by the U.S. government, its central bank, or a U.S. government agency. This includes an exposure, or the portion of an exposure, that is conditionally guaranteed by the FDIC or National Credit Union Administration., (iii) An FDIC-supervised institution must assign a zero percent risk weight to a Paycheck Protection Program covered loan as defined in section 7(a)(36) of the Small Business Act (15 U.S.C. 636(a)(36))., (2) Other sovereign exposures. In accordance with Table 1 to \u00a7 324.32, an FDIC-supervised institution must assign a risk weight to a sovereign exposure based on the CRC applicable to the sovereign or the sovereign's OECD membership status if there is no CRC applicable to the sovereign.,
Table 1 to \u00a7 324.32 - Risk Weights for Sovereign Exposures, (3) Certain sovereign exposures. Notwithstanding paragraph (a)(2) of this section, an FDIC-supervised institution may assign to a sovereign exposure a risk weight that is lower than the applicable risk weight in Table 1 to \u00a7 324.32 if:, (i) The exposure is denominated in the sovereign's currency;, (ii) The FDIC-supervised institution has at least an equivalent amount of liabilities in that currency; and, (iii) The risk weight is not lower than the risk weight that the home country supervisor allows FDIC-supervised institutions under its jurisdiction to assign to the same exposures to the sovereign., (4) Exposures to a non-OECD member sovereign with no CRC. Except as provided in paragraphs (a)(3), (a)(5) and (a)(6) of this section, an FDIC-supervised institution must assign a 100 percent risk weight to an exposure to a sovereign if the sovereign does not have a CRC., (5) Exposures to an OECD member sovereign with no CRC. Except as provided in paragraph (a)(6) of this section, an FDIC-supervised institution must assign a 0 percent risk weight to an exposure to a sovereign that is a member of the OECD if the sovereign does not have a CRC., (6) Sovereign default. An FDIC-supervised institution must assign a 150 percent risk weight to a sovereign exposure immediately upon determining that an event of sovereign default has occurred, or if an event of sovereign default has occurred during the previous five years., (b) Certain supranational entities and multilateral development banks (MDBs). An FDIC-supervised institution must assign a zero percent risk weight to an exposure to the Bank for International Settlements, the European Central Bank, the European Commission, the International Monetary Fund, the European Stability Mechanism, the European Financial Stability Facility, or an MDB., (c) Exposures to GSEs. (1) An FDIC-supervised institution must assign a 20 percent risk weight to an exposure to a GSE other than an equity exposure or preferred stock., (2) An FDIC-supervised institution must assign a 100 percent risk weight to preferred stock issued by a GSE., (d) Exposures to depository institutions, foreign banks, and credit unions - (1) Exposures to U.S. depository institutions and credit unions. An FDIC-supervised institution must assign a 20 percent risk weight to an exposure to a depository institution or credit union that is organized under the laws of the United States or any state thereof, except as otherwise provided under paragraph (d)(3) of this section., (2) Exposures to foreign banks. (i) Except as otherwise provided under paragraphs (d)(2)(iii), (d)(2)(v), and (d)(3) of this section, an FDIC-supervised institution must assign a risk weight to an exposure to a foreign bank, in accordance with Table 2 to \u00a7 324.32, based on the CRC that corresponds to the foreign bank's home country or the OECD membership status of the foreign bank's home country if there is no CRC applicable to the foreign bank's home country.,
Table 2 to \u00a7 324.32 - Risk Weights for Exposures to Foreign Banks, (ii) An FDIC-supervised institution must assign a 20 percent risk weight to an exposure to a foreign bank whose home country is a member of the OECD and does not have a CRC., (iii) An FDIC-supervised institution must assign a 20 percent risk-weight to an exposure that is a self-liquidating, trade-related contingent item that arises from the movement of goods and that has a maturity of three months or less to a foreign bank whose home country has a CRC of 0, 1, 2, or 3, or is an OECD member with no CRC., (iv) An FDIC-supervised institution must assign a 100 percent risk weight to an exposure to a foreign bank whose home country is not a member of the OECD and does not have a CRC, with the exception of self-liquidating, trade-related contingent items that arise from the movement of goods, and that have a maturity of three months or less, which may be assigned a 20 percent risk weight., (v) An FDIC-supervised institution must assign a 150 percent risk weight to an exposure to a foreign bank immediately upon determining that an event of sovereign default has occurred in the bank's home country, or if an event of sovereign default has occurred in the foreign bank's home country during the previous five years., (3) An FDIC-supervised institution must assign a 100 percent risk weight to an exposure to a financial institution if the exposure may be included in that financial institution's capital unless the exposure is:, (i) An equity exposure;, (ii) A significant investment in the capital of an unconsolidated financial institution in the form of common stock pursuant to \u00a7 324.22(d)(2)(i)(c);, (iii) Deducted from regulatory capital under \u00a7 324.22; or, (iv) Subject to a 150 percent risk weight under paragraph (d)(2)(iv) or Table 2 of paragraph (d)(2) of this section., (e) Exposures to public sector entities (PSEs) - (1) Exposures to U.S. PSEs. (i) An FDIC-supervised institution must assign a 20 percent risk weight to a general obligation exposure to a PSE that is organized under the laws of the United States or any state or political subdivision thereof., (ii) An FDIC-supervised institution must assign a 50 percent risk weight to a revenue obligation exposure to a PSE that is organized under the laws of the United States or any state or political subdivision thereof., (2) Exposures to foreign PSEs. (i) Except as provided in paragraphs (e)(1) and (e)(3) of this section, an FDIC-supervised institution must assign a risk weight to a general obligation exposure to a PSE, in accordance with Table 3 to \u00a7 324.32, based on the CRC that corresponds to the PSE's home country or the OECD membership status of the PSE's home country if there is no CRC applicable to the PSE's home country., (ii) Except as provided in paragraphs (e)(1) and (e)(3) of this section, an FDIC-supervised institution must assign a risk weight to a revenue obligation exposure to a PSE, in accordance with Table 4 to \u00a7 324.32, based on the CRC that corresponds to the PSE's home country; or the OECD membership status of the PSE's home country if there is no CRC applicable to the PSE's home country., (3) An FDIC-supervised institution may assign a lower risk weight than would otherwise apply under Tables 3 or 4 to \u00a7 324.32 to an exposure to a foreign PSE if:, (i) The PSE's home country supervisor allows banks under its jurisdiction to assign a lower risk weight to such exposures; and, (ii) The risk weight is not lower than the risk weight that corresponds to the PSE's home country in accordance with Table 1 to \u00a7 324.32.,
Table 3 to \u00a7 324.32 - Risk Weights for non-U.S. PSE General Obligations,
Table 4 to \u00a7 324.32 - Risk Weights for non-U.S. PSE Revenue Obligations, (4) Exposures to PSEs from an OECD member sovereign with no CRC. (i) An FDIC-supervised institution must assign a 20 percent risk weight to a general obligation exposure to a PSE whose home country is an OECD member sovereign with no CRC., (ii) An FDIC-supervised institution must assign a 50 percent risk weight to a revenue obligation exposure to a PSE whose home country is an OECD member sovereign with no CRC., (5) Exposures to PSEs whose home country is not an OECD member sovereign with no CRC. An FDIC-supervised institution must assign a 100 percent risk weight to an exposure to a PSE whose home country is not a member of the OECD and does not have a CRC., (6) An FDIC-supervised institution must assign a 150 percent risk weight to a PSE exposure immediately upon determining that an event of sovereign default has occurred in a PSE's home country or if an event of sovereign default has occurred in the PSE's home country during the previous five years., (f) Corporate exposures. (1) An FDIC-supervised institution must assign a 100 percent risk weight to all its corporate exposures, except as provided in paragraphs (f)(2) and (f)(3) of this section., (2) A FDIC-supervised institution must assign a 2 percent risk weight to an exposure to a QCCP arising from the FDIC-supervised institution posting cash collateral to the QCCP in connection with a cleared transaction that meets the requirements of \u00a7 324.35(b)(3)(i)(A) and a 4 percent risk weight to an exposure to a QCCP arising from the FDIC-supervised institution posting cash collateral to the QCCP in connection with a cleared transaction that meets the requirements of \u00a7 324.35(b)(3)(i)(B)., (3) A FDIC-supervised institution must assign a 2 percent risk weight to an exposure to a QCCP arising from the FDIC-supervised institution posting cash collateral to the QCCP in connection with a cleared transaction that meets the requirements of \u00a7 324.35(c)(3)(i)., (g) Residential mortgage exposures. (1) An FDIC-supervised institution must assign a 50 percent risk weight to a first-lien residential mortgage exposure that:, (i) Is secured by a property that is either owner-occupied or rented;, (ii) Is made in accordance with prudent underwriting standards, including standards relating to the loan amount as a percent of the appraised value of the property;, (iii) Is not 90 days or more past due or carried in nonaccrual status; and, (iv) Is not restructured or modified., (2) An FDIC-supervised institution must assign a 100 percent risk weight to a first-lien residential mortgage exposure that does not meet the criteria in paragraph (g)(1) of this section, and to junior-lien residential mortgage exposures., (3) For the purpose of this paragraph (g), if an FDIC-supervised institution holds the first-lien and junior-lien(s) residential mortgage exposures, and no other party holds an intervening lien, the FDIC-supervised institution must combine the exposures and treat them as a single first-lien residential mortgage exposure., (4) A loan modified or restructured solely pursuant to the U.S. Treasury's Home Affordable Mortgage Program is not modified or restructured for purposes of this section., (h) Pre-sold construction loans. An FDIC-supervised institution must assign a 50 percent risk weight to a pre-sold construction loan unless the purchase contract is cancelled, in which case an FDIC-supervised institution must assign a 100 percent risk weight., (i) Statutory multifamily mortgages. An FDIC-supervised institution must assign a 50 percent risk weight to a statutory multifamily mortgage., (j) High-volatility commercial real estate (HVCRE) exposures. An FDIC-supervised institution must assign a 150 percent risk weight to an HVCRE exposure., (k) Past due exposures. Except for an exposure to a sovereign entity or a residential mortgage exposure or a policy loan, if an exposure is 90 days or more past due or on nonaccrual:, (1) An FDIC-supervised institution must assign a 150 percent risk weight to the portion of the exposure that is not guaranteed or that is unsecured;, (2) An FDIC-supervised institution may assign a risk weight to the guaranteed portion of a past due exposure based on the risk weight that applies under \u00a7 324.36 if the guarantee or credit derivative meets the requirements of that section; and, (3) An FDIC-supervised institution may assign a risk weight to the collateralized portion of a past due exposure based on the risk weight that applies under \u00a7 324.37 if the collateral meets the requirements of that section., (l) Other assets. (1) An FDIC-supervised institution must assign a zero percent risk weight to cash owned and held in all offices of the FDIC-supervised institution or in transit; to gold bullion held in the FDIC-supervised institution's own vaults or held in another depository institution's vaults on an allocated basis, to the extent the gold bullion assets are offset by gold bullion liabilities; and to exposures that arise from the settlement of cash transactions (such as equities, fixed income, spot foreign exchange and spot commodities) with a central counterparty where there is no assumption of ongoing counterparty credit risk by the central counterparty after settlement of the trade and associated default fund contributions., (2) An FDIC-supervised institution must assign a 20 percent risk weight to cash items in the process of collection., (3) An FDIC-supervised institution must assign a 100 percent risk weight to DTAs arising from temporary differences that the FDIC-supervised institution could realize through net operating loss carrybacks., (4) An FDIC-supervised institution must assign a 250 percent risk weight to the portion of each of the following items to the extent it is not deducted from common equity tier 1 capital pursuant to \u00a7 324.22(d):, (i) MSAs; and, (ii) DTAs arising from temporary differences that the FDIC-supervised institution could not realize through net operating loss carrybacks., (5) An FDIC-supervised institution must assign a 100 percent risk weight to all assets not specifically assigned a different risk weight under this subpart and that are not deducted from tier 1 or tier 2 capital pursuant to \u00a7 324.22., (6) Notwithstanding the requirements of this section, an FDIC-supervised institution may assign an asset that is not included in one of the categories provided in this section to the risk weight category applicable under the capital rules applicable to bank holding companies and savings and loan holding companies under 12 CFR part 217, provided that all of the following conditions apply:, (i) The FDIC-supervised institution is not authorized to hold the asset under applicable law other than debt previously contracted or similar authority; and, (ii) The risks associated with the asset are substantially similar to the risks of assets that are otherwise assigned to a risk weight category of less than 100 percent under this subpart.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["324"],"part_title":["PART 324 - CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS"],"section":["324.32"],"section_title":["\u00a7 324.32 General risk weights."]},"_input_hash":1685930044,"_task_hash":-933824963,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815160,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"(a) Sovereign exposures - (1) Exposures to the U.S. government. (i) Notwithstanding any other requirement in this subpart, an FDIC-supervised institution must assign a zero percent risk weight to:, (A) An exposure to the U.S. government, its central bank, or a U.S. government agency; and, (B) The portion of an exposure that is directly and unconditionally guaranteed by the U.S. government, its central bank, or a U.S. government agency. This includes a deposit or other exposure, or the portion of a deposit or other exposure, that is insured or otherwise unconditionally guaranteed by the FDIC or National Credit Union Administration., (ii) An FDIC-supervised institution must assign a 20 percent risk weight to the portion of an exposure that is conditionally guaranteed by the U.S. government, its central bank, or a U.S. government agency. This includes an exposure, or the portion of an exposure, that is conditionally guaranteed by the FDIC or National Credit Union Administration., (iii) An FDIC-supervised institution must assign a zero percent risk weight to a Paycheck Protection Program covered loan as defined in section 7(a)(36) of the Small Business Act (15 U.S.C. 636(a)(36))., (2) Other sovereign exposures. In accordance with Table 1 to \u00a7 324.32, an FDIC-supervised institution must assign a risk weight to a sovereign exposure based on the CRC applicable to the sovereign or the sovereign's OECD membership status if there is no CRC applicable to the sovereign.,
Table 1 to \u00a7 324.32 - Risk Weights for Sovereign Exposures, (3) Certain sovereign exposures. Notwithstanding paragraph (a)(2) of this section, an FDIC-supervised institution may assign to a sovereign exposure a risk weight that is lower than the applicable risk weight in Table 1 to \u00a7 324.32 if:, (i) The exposure is denominated in the sovereign's currency;, (ii) The FDIC-supervised institution has at least an equivalent amount of liabilities in that currency; and, (iii) The risk weight is not lower than the risk weight that the home country supervisor allows FDIC-supervised institutions under its jurisdiction to assign to the same exposures to the sovereign., (4) Exposures to a non-OECD member sovereign with no CRC. Except as provided in paragraphs (a)(3), (a)(5) and (a)(6) of this section, an FDIC-supervised institution must assign a 100 percent risk weight to an exposure to a sovereign if the sovereign does not have a CRC., (5) Exposures to an OECD member sovereign with no CRC. Except as provided in paragraph (a)(6) of this section, an FDIC-supervised institution must assign a 0 percent risk weight to an exposure to a sovereign that is a member of the OECD if the sovereign does not have a CRC., (6) Sovereign default. An FDIC-supervised institution must assign a 150 percent risk weight to a sovereign exposure immediately upon determining that an event of sovereign default has occurred, or if an event of sovereign default has occurred during the previous five years., (b) Certain supranational entities and multilateral development banks (MDBs). An FDIC-supervised institution must assign a zero percent risk weight to an exposure to the Bank for International Settlements, the European Central Bank, the European Commission, the International Monetary Fund, the European Stability Mechanism, the European Financial Stability Facility, or an MDB., (c) Exposures to GSEs. (1) An FDIC-supervised institution must assign a 20 percent risk weight to an exposure to a GSE other than an equity exposure or preferred stock., (2) An FDIC-supervised institution must assign a 100 percent risk weight to preferred stock issued by a GSE., (d) Exposures to depository institutions, foreign banks, and credit unions - (1) Exposures to U.S. depository institutions and credit unions. An FDIC-supervised institution must assign a 20 percent risk weight to an exposure to a depository institution or credit union that is organized under the laws of the United States or any state thereof, except as otherwise provided under paragraph (d)(3) of this section., (2) Exposures to foreign banks. (i) Except as otherwise provided under paragraphs (d)(2)(iii), (d)(2)(v), and (d)(3) of this section, an FDIC-supervised institution must assign a risk weight to an exposure to a foreign bank, in accordance with Table 2 to \u00a7 324.32, based on the CRC that corresponds to the foreign bank's home country or the OECD membership status of the foreign bank's home country if there is no CRC applicable to the foreign bank's home country.,
Table 2 to \u00a7 324.32 - Risk Weights for Exposures to Foreign Banks, (ii) An FDIC-supervised institution must assign a 20 percent risk weight to an exposure to a foreign bank whose home country is a member of the OECD and does not have a CRC., (iii) An FDIC-supervised institution must assign a 20 percent risk-weight to an exposure that is a self-liquidating, trade-related contingent item that arises from the movement of goods and that has a maturity of three months or less to a foreign bank whose home country has a CRC of 0, 1, 2, or 3, or is an OECD member with no CRC., (iv) An FDIC-supervised institution must assign a 100 percent risk weight to an exposure to a foreign bank whose home country is not a member of the OECD and does not have a CRC, with the exception of self-liquidating, trade-related contingent items that arise from the movement of goods, and that have a maturity of three months or less, which may be assigned a 20 percent risk weight., (v) An FDIC-supervised institution must assign a 150 percent risk weight to an exposure to a foreign bank immediately upon determining that an event of sovereign default has occurred in the bank's home country, or if an event of sovereign default has occurred in the foreign bank's home country during the previous five years., (3) An FDIC-supervised institution must assign a 100 percent risk weight to an exposure to a financial institution if the exposure may be included in that financial institution's capital unless the exposure is:, (i) An equity exposure;, (ii) A significant investment in the capital of an unconsolidated financial institution in the form of common stock pursuant to \u00a7 324.22(d)(2)(i)(c);, (iii) Deducted from regulatory capital under \u00a7 324.22; or, (iv) Subject to a 150 percent risk weight under paragraph (d)(2)(iv) or Table 2 of paragraph (d)(2) of this section., (e) Exposures to public sector entities (PSEs) - (1) Exposures to U.S. PSEs. (i) An FDIC-supervised institution must assign a 20 percent risk weight to a general obligation exposure to a PSE that is organized under the laws of the United States or any state or political subdivision thereof., (ii) An FDIC-supervised institution must assign a 50 percent risk weight to a revenue obligation exposure to a PSE that is organized under the laws of the United States or any state or political subdivision thereof., (2) Exposures to foreign PSEs. (i) Except as provided in paragraphs (e)(1) and (e)(3) of this section, an FDIC-supervised institution must assign a risk weight to a general obligation exposure to a PSE, in accordance with Table 3 to \u00a7 324.32, based on the CRC that corresponds to the PSE's home country or the OECD membership status of the PSE's home country if there is no CRC applicable to the PSE's home country., (ii) Except as provided in paragraphs (e)(1) and (e)(3) of this section, an FDIC-supervised institution must assign a risk weight to a revenue obligation exposure to a PSE, in accordance with Table 4 to \u00a7 324.32, based on the CRC that corresponds to the PSE's home country; or the OECD membership status of the PSE's home country if there is no CRC applicable to the PSE's home country., (3) An FDIC-supervised institution may assign a lower risk weight than would otherwise apply under Tables 3 or 4 to \u00a7 324.32 to an exposure to a foreign PSE if:, (i) The PSE's home country supervisor allows banks under its jurisdiction to assign a lower risk weight to such exposures; and, (ii) The risk weight is not lower than the risk weight that corresponds to the PSE's home country in accordance with Table 1 to \u00a7 324.32.,
Table 3 to \u00a7 324.32 - Risk Weights for non-U.S. PSE General Obligations,
Table 4 to \u00a7 324.32 - Risk Weights for non-U.S. PSE Revenue Obligations, (4) Exposures to PSEs from an OECD member sovereign with no CRC. (i) An FDIC-supervised institution must assign a 20 percent risk weight to a general obligation exposure to a PSE whose home country is an OECD member sovereign with no CRC., (ii) An FDIC-supervised institution must assign a 50 percent risk weight to a revenue obligation exposure to a PSE whose home country is an OECD member sovereign with no CRC., (5) Exposures to PSEs whose home country is not an OECD member sovereign with no CRC. An FDIC-supervised institution must assign a 100 percent risk weight to an exposure to a PSE whose home country is not a member of the OECD and does not have a CRC., (6) An FDIC-supervised institution must assign a 150 percent risk weight to a PSE exposure immediately upon determining that an event of sovereign default has occurred in a PSE's home country or if an event of sovereign default has occurred in the PSE's home country during the previous five years., (f) Corporate exposures. (1) An FDIC-supervised institution must assign a 100 percent risk weight to all its corporate exposures, except as provided in paragraphs (f)(2) and (f)(3) of this section., (2) A FDIC-supervised institution must assign a 2 percent risk weight to an exposure to a QCCP arising from the FDIC-supervised institution posting cash collateral to the QCCP in connection with a cleared transaction that meets the requirements of \u00a7 324.35(b)(3)(i)(A) and a 4 percent risk weight to an exposure to a QCCP arising from the FDIC-supervised institution posting cash collateral to the QCCP in connection with a cleared transaction that meets the requirements of \u00a7 324.35(b)(3)(i)(B)., (3) A FDIC-supervised institution must assign a 2 percent risk weight to an exposure to a QCCP arising from the FDIC-supervised institution posting cash collateral to the QCCP in connection with a cleared transaction that meets the requirements of \u00a7 324.35(c)(3)(i)., (g) Residential mortgage exposures. (1) An FDIC-supervised institution must assign a 50 percent risk weight to a first-lien residential mortgage exposure that:, (i) Is secured by a property that is either owner-occupied or rented;, (ii) Is made in accordance with prudent underwriting standards, including standards relating to the loan amount as a percent of the appraised value of the property;, (iii) Is not 90 days or more past due or carried in nonaccrual status; and, (iv) Is not restructured or modified., (2) An FDIC-supervised institution must assign a 100 percent risk weight to a first-lien residential mortgage exposure that does not meet the criteria in paragraph (g)(1) of this section, and to junior-lien residential mortgage exposures., (3) For the purpose of this paragraph (g), if an FDIC-supervised institution holds the first-lien and junior-lien(s) residential mortgage exposures, and no other party holds an intervening lien, the FDIC-supervised institution must combine the exposures and treat them as a single first-lien residential mortgage exposure., (4) A loan modified or restructured solely pursuant to the U.S. Treasury's Home Affordable Mortgage Program is not modified or restructured for purposes of this section., (h) Pre-sold construction loans. An FDIC-supervised institution must assign a 50 percent risk weight to a pre-sold construction loan unless the purchase contract is cancelled, in which case an FDIC-supervised institution must assign a 100 percent risk weight., (i) Statutory multifamily mortgages. An FDIC-supervised institution must assign a 50 percent risk weight to a statutory multifamily mortgage., (j) High-volatility commercial real estate (HVCRE) exposures. An FDIC-supervised institution must assign a 150 percent risk weight to an HVCRE exposure., (k) Past due exposures. Except for an exposure to a sovereign entity or a residential mortgage exposure or a policy loan, if an exposure is 90 days or more past due or on nonaccrual:, (1) An FDIC-supervised institution must assign a 150 percent risk weight to the portion of the exposure that is not guaranteed or that is unsecured;, (2) An FDIC-supervised institution may assign a risk weight to the guaranteed portion of a past due exposure based on the risk weight that applies under \u00a7 324.36 if the guarantee or credit derivative meets the requirements of that section; and, (3) An FDIC-supervised institution may assign a risk weight to the collateralized portion of a past due exposure based on the risk weight that applies under \u00a7 324.37 if the collateral meets the requirements of that section., (l) Other assets. (1) An FDIC-supervised institution must assign a zero percent risk weight to cash owned and held in all offices of the FDIC-supervised institution or in transit; to gold bullion held in the FDIC-supervised institution's own vaults or held in another depository institution's vaults on an allocated basis, to the extent the gold bullion assets are offset by gold bullion liabilities; and to exposures that arise from the settlement of cash transactions (such as equities, fixed income, spot foreign exchange and spot commodities) with a central counterparty where there is no assumption of ongoing counterparty credit risk by the central counterparty after settlement of the trade and associated default fund contributions., (2) An FDIC-supervised institution must assign a 20 percent risk weight to cash items in the process of collection., (3) An FDIC-supervised institution must assign a 100 percent risk weight to DTAs arising from temporary differences that the FDIC-supervised institution could realize through net operating loss carrybacks., (4) An FDIC-supervised institution must assign a 250 percent risk weight to the portion of each of the following items to the extent it is not deducted from common equity tier 1 capital pursuant to \u00a7 324.22(d):, (i) MSAs; and, (ii) DTAs arising from temporary differences that the FDIC-supervised institution could not realize through net operating loss carrybacks., (5) An FDIC-supervised institution must assign a 100 percent risk weight to all assets not specifically assigned a different risk weight under this subpart and that are not deducted from tier 1 or tier 2 capital pursuant to \u00a7 324.22., (6) Notwithstanding the requirements of this section, an FDIC-supervised institution may assign an asset that is not included in one of the categories provided in this section to the risk weight category applicable under the capital rules applicable to bank holding companies and savings and loan holding companies under 12 CFR part 217, provided that all of the following conditions apply:, (i) The FDIC-supervised institution is not authorized to hold the asset under applicable law other than debt previously contracted or similar authority; and, (ii) The risks associated with the asset are substantially similar to the risks of assets that are otherwise assigned to a risk weight category of less than 100 percent under this subpart.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["324"],"part_title":["PART 324 - CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS"],"section":["324.32"],"section_title":["\u00a7 324.32 General risk weights."]},"_input_hash":1685930044,"_task_hash":1407370045,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711823355,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Sovereign exposures - (1) Exposures to the U.S. government. (i) Notwithstanding any other requirement in this subpart, an FDIC-supervised institution must assign a zero percent risk weight to:, (A) An exposure to the U.S. government, its central bank, or a U.S. government agency; and, (B) The portion of an exposure that is directly and unconditionally guaranteed by the U.S. government, its central bank, or a U.S. government agency. This includes a deposit or other exposure, or the portion of a deposit or other exposure, that is insured or otherwise unconditionally guaranteed by the FDIC or National Credit Union Administration., (ii) An FDIC-supervised institution must assign a 20 percent risk weight to the portion of an exposure that is conditionally guaranteed by the U.S. government, its central bank, or a U.S. government agency. This includes an exposure, or the portion of an exposure, that is conditionally guaranteed by the FDIC or National Credit Union Administration., (iii) An FDIC-supervised institution must assign a zero percent risk weight to a Paycheck Protection Program covered loan as defined in section 7(a)(36) of the Small Business Act (15 U.S.C. 636(a)(36))., (2) Other sovereign exposures. In accordance with Table 1 to \u00a7 324.32, an FDIC-supervised institution must assign a risk weight to a sovereign exposure based on the CRC applicable to the sovereign or the sovereign's OECD membership status if there is no CRC applicable to the sovereign.,
Table 1 to \u00a7 324.32 - Risk Weights for Sovereign Exposures, (3) Certain sovereign exposures. Notwithstanding paragraph (a)(2) of this section, an FDIC-supervised institution may assign to a sovereign exposure a risk weight that is lower than the applicable risk weight in Table 1 to \u00a7 324.32 if:, (i) The exposure is denominated in the sovereign's currency;, (ii) The FDIC-supervised institution has at least an equivalent amount of liabilities in that currency; and, (iii) The risk weight is not lower than the risk weight that the home country supervisor allows FDIC-supervised institutions under its jurisdiction to assign to the same exposures to the sovereign., (4) Exposures to a non-OECD member sovereign with no CRC. Except as provided in paragraphs (a)(3), (a)(5) and (a)(6) of this section, an FDIC-supervised institution must assign a 100 percent risk weight to an exposure to a sovereign if the sovereign does not have a CRC., (5) Exposures to an OECD member sovereign with no CRC. Except as provided in paragraph (a)(6) of this section, an FDIC-supervised institution must assign a 0 percent risk weight to an exposure to a sovereign that is a member of the OECD if the sovereign does not have a CRC., (6) Sovereign default. An FDIC-supervised institution must assign a 150 percent risk weight to a sovereign exposure immediately upon determining that an event of sovereign default has occurred, or if an event of sovereign default has occurred during the previous five years., (b) Certain supranational entities and multilateral development banks (MDBs). An FDIC-supervised institution must assign a zero percent risk weight to an exposure to the Bank for International Settlements, the European Central Bank, the European Commission, the International Monetary Fund, the European Stability Mechanism, the European Financial Stability Facility, or an MDB., (c) Exposures to GSEs. (1) An FDIC-supervised institution must assign a 20 percent risk weight to an exposure to a GSE other than an equity exposure or preferred stock., (2) An FDIC-supervised institution must assign a 100 percent risk weight to preferred stock issued by a GSE., (d) Exposures to depository institutions, foreign banks, and credit unions - (1) Exposures to U.S. depository institutions and credit unions. An FDIC-supervised institution must assign a 20 percent risk weight to an exposure to a depository institution or credit union that is organized under the laws of the United States or any state thereof, except as otherwise provided under paragraph (d)(3) of this section., (2) Exposures to foreign banks. (i) Except as otherwise provided under paragraphs (d)(2)(iii), (d)(2)(v), and (d)(3) of this section, an FDIC-supervised institution must assign a risk weight to an exposure to a foreign bank, in accordance with Table 2 to \u00a7 324.32, based on the CRC that corresponds to the foreign bank's home country or the OECD membership status of the foreign bank's home country if there is no CRC applicable to the foreign bank's home country.,
Table 2 to \u00a7 324.32 - Risk Weights for Exposures to Foreign Banks, (ii) An FDIC-supervised institution must assign a 20 percent risk weight to an exposure to a foreign bank whose home country is a member of the OECD and does not have a CRC., (iii) An FDIC-supervised institution must assign a 20 percent risk-weight to an exposure that is a self-liquidating, trade-related contingent item that arises from the movement of goods and that has a maturity of three months or less to a foreign bank whose home country has a CRC of 0, 1, 2, or 3, or is an OECD member with no CRC., (iv) An FDIC-supervised institution must assign a 100 percent risk weight to an exposure to a foreign bank whose home country is not a member of the OECD and does not have a CRC, with the exception of self-liquidating, trade-related contingent items that arise from the movement of goods, and that have a maturity of three months or less, which may be assigned a 20 percent risk weight., (v) An FDIC-supervised institution must assign a 150 percent risk weight to an exposure to a foreign bank immediately upon determining that an event of sovereign default has occurred in the bank's home country, or if an event of sovereign default has occurred in the foreign bank's home country during the previous five years., (3) An FDIC-supervised institution must assign a 100 percent risk weight to an exposure to a financial institution if the exposure may be included in that financial institution's capital unless the exposure is:, (i) An equity exposure;, (ii) A significant investment in the capital of an unconsolidated financial institution in the form of common stock pursuant to \u00a7 324.22(d)(2)(i)(c);, (iii) Deducted from regulatory capital under \u00a7 324.22; or, (iv) Subject to a 150 percent risk weight under paragraph (d)(2)(iv) or Table 2 of paragraph (d)(2) of this section., (e) Exposures to public sector entities (PSEs) - (1) Exposures to U.S. PSEs. (i) An FDIC-supervised institution must assign a 20 percent risk weight to a general obligation exposure to a PSE that is organized under the laws of the United States or any state or political subdivision thereof., (ii) An FDIC-supervised institution must assign a 50 percent risk weight to a revenue obligation exposure to a PSE that is organized under the laws of the United States or any state or political subdivision thereof., (2) Exposures to foreign PSEs. (i) Except as provided in paragraphs (e)(1) and (e)(3) of this section, an FDIC-supervised institution must assign a risk weight to a general obligation exposure to a PSE, in accordance with Table 3 to \u00a7 324.32, based on the CRC that corresponds to the PSE's home country or the OECD membership status of the PSE's home country if there is no CRC applicable to the PSE's home country., (ii) Except as provided in paragraphs (e)(1) and (e)(3) of this section, an FDIC-supervised institution must assign a risk weight to a revenue obligation exposure to a PSE, in accordance with Table 4 to \u00a7 324.32, based on the CRC that corresponds to the PSE's home country; or the OECD membership status of the PSE's home country if there is no CRC applicable to the PSE's home country., (3) An FDIC-supervised institution may assign a lower risk weight than would otherwise apply under Tables 3 or 4 to \u00a7 324.32 to an exposure to a foreign PSE if:, (i) The PSE's home country supervisor allows banks under its jurisdiction to assign a lower risk weight to such exposures; and, (ii) The risk weight is not lower than the risk weight that corresponds to the PSE's home country in accordance with Table 1 to \u00a7 324.32.,
Table 3 to \u00a7 324.32 - Risk Weights for non-U.S. PSE General Obligations,
Table 4 to \u00a7 324.32 - Risk Weights for non-U.S. PSE Revenue Obligations, (4) Exposures to PSEs from an OECD member sovereign with no CRC. (i) An FDIC-supervised institution must assign a 20 percent risk weight to a general obligation exposure to a PSE whose home country is an OECD member sovereign with no CRC., (ii) An FDIC-supervised institution must assign a 50 percent risk weight to a revenue obligation exposure to a PSE whose home country is an OECD member sovereign with no CRC., (5) Exposures to PSEs whose home country is not an OECD member sovereign with no CRC. An FDIC-supervised institution must assign a 100 percent risk weight to an exposure to a PSE whose home country is not a member of the OECD and does not have a CRC., (6) An FDIC-supervised institution must assign a 150 percent risk weight to a PSE exposure immediately upon determining that an event of sovereign default has occurred in a PSE's home country or if an event of sovereign default has occurred in the PSE's home country during the previous five years., (f) Corporate exposures. (1) An FDIC-supervised institution must assign a 100 percent risk weight to all its corporate exposures, except as provided in paragraphs (f)(2) and (f)(3) of this section., (2) A FDIC-supervised institution must assign a 2 percent risk weight to an exposure to a QCCP arising from the FDIC-supervised institution posting cash collateral to the QCCP in connection with a cleared transaction that meets the requirements of \u00a7 324.35(b)(3)(i)(A) and a 4 percent risk weight to an exposure to a QCCP arising from the FDIC-supervised institution posting cash collateral to the QCCP in connection with a cleared transaction that meets the requirements of \u00a7 324.35(b)(3)(i)(B)., (3) A FDIC-supervised institution must assign a 2 percent risk weight to an exposure to a QCCP arising from the FDIC-supervised institution posting cash collateral to the QCCP in connection with a cleared transaction that meets the requirements of \u00a7 324.35(c)(3)(i)., (g) Residential mortgage exposures. (1) An FDIC-supervised institution must assign a 50 percent risk weight to a first-lien residential mortgage exposure that:, (i) Is secured by a property that is either owner-occupied or rented;, (ii) Is made in accordance with prudent underwriting standards, including standards relating to the loan amount as a percent of the appraised value of the property;, (iii) Is not 90 days or more past due or carried in nonaccrual status; and, (iv) Is not restructured or modified., (2) An FDIC-supervised institution must assign a 100 percent risk weight to a first-lien residential mortgage exposure that does not meet the criteria in paragraph (g)(1) of this section, and to junior-lien residential mortgage exposures., (3) For the purpose of this paragraph (g), if an FDIC-supervised institution holds the first-lien and junior-lien(s) residential mortgage exposures, and no other party holds an intervening lien, the FDIC-supervised institution must combine the exposures and treat them as a single first-lien residential mortgage exposure., (4) A loan modified or restructured solely pursuant to the U.S. Treasury's Home Affordable Mortgage Program is not modified or restructured for purposes of this section., (h) Pre-sold construction loans. An FDIC-supervised institution must assign a 50 percent risk weight to a pre-sold construction loan unless the purchase contract is cancelled, in which case an FDIC-supervised institution must assign a 100 percent risk weight., (i) Statutory multifamily mortgages. An FDIC-supervised institution must assign a 50 percent risk weight to a statutory multifamily mortgage., (j) High-volatility commercial real estate (HVCRE) exposures. An FDIC-supervised institution must assign a 150 percent risk weight to an HVCRE exposure., (k) Past due exposures. Except for an exposure to a sovereign entity or a residential mortgage exposure or a policy loan, if an exposure is 90 days or more past due or on nonaccrual:, (1) An FDIC-supervised institution must assign a 150 percent risk weight to the portion of the exposure that is not guaranteed or that is unsecured;, (2) An FDIC-supervised institution may assign a risk weight to the guaranteed portion of a past due exposure based on the risk weight that applies under \u00a7 324.36 if the guarantee or credit derivative meets the requirements of that section; and, (3) An FDIC-supervised institution may assign a risk weight to the collateralized portion of a past due exposure based on the risk weight that applies under \u00a7 324.37 if the collateral meets the requirements of that section., (l) Other assets. (1) An FDIC-supervised institution must assign a zero percent risk weight to cash owned and held in all offices of the FDIC-supervised institution or in transit; to gold bullion held in the FDIC-supervised institution's own vaults or held in another depository institution's vaults on an allocated basis, to the extent the gold bullion assets are offset by gold bullion liabilities; and to exposures that arise from the settlement of cash transactions (such as equities, fixed income, spot foreign exchange and spot commodities) with a central counterparty where there is no assumption of ongoing counterparty credit risk by the central counterparty after settlement of the trade and associated default fund contributions., (2) An FDIC-supervised institution must assign a 20 percent risk weight to cash items in the process of collection., (3) An FDIC-supervised institution must assign a 100 percent risk weight to DTAs arising from temporary differences that the FDIC-supervised institution could realize through net operating loss carrybacks., (4) An FDIC-supervised institution must assign a 250 percent risk weight to the portion of each of the following items to the extent it is not deducted from common equity tier 1 capital pursuant to \u00a7 324.22(d):, (i) MSAs; and, (ii) DTAs arising from temporary differences that the FDIC-supervised institution could not realize through net operating loss carrybacks., (5) An FDIC-supervised institution must assign a 100 percent risk weight to all assets not specifically assigned a different risk weight under this subpart and that are not deducted from tier 1 or tier 2 capital pursuant to \u00a7 324.22., (6) Notwithstanding the requirements of this section, an FDIC-supervised institution may assign an asset that is not included in one of the categories provided in this section to the risk weight category applicable under the capital rules applicable to bank holding companies and savings and loan holding companies under 12 CFR part 217, provided that all of the following conditions apply:, (i) The FDIC-supervised institution is not authorized to hold the asset under applicable law other than debt previously contracted or similar authority; and, (ii) The risks associated with the asset are substantially similar to the risks of assets that are otherwise assigned to a risk weight category of less than 100 percent under this subpart.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["324"],"part_title":["PART 324 - CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS"],"section":["324.32"],"section_title":["\u00a7 324.32 General risk weights."]},"_input_hash":1685930044,"_task_hash":1653819691,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830209,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"Notwithstanding provisions in \u00a7 1270.6 regarding Department of Treasury regulations set forth in 31 CFR part 357:, (a) The Department of Treasury TRADES Commentary (31 CFR part 357, appendix B) addressing the Department of Treasury regulations governing book-entry procedure for Treasury Securities is hereby referenced, so far as applicable and as necessarily modified to relate to Book-entry consolidated obligations, as an interpretive aid to this subpart D of this part., (b) Determinations of the Department of Treasury regarding whether a State shall be considered to have adopted Revised Article 8 for purposes of 31 CFR part 357, as published in the Federal Register or otherwise, shall also apply to this subpart D of this part.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1270"],"part_title":["PART 1270 - LIABILITIES"],"section":["1270.19"],"section_title":["\u00a7 1270.19 Reference to certain Department of Treasury commentary and determinations."]},"_input_hash":-881299900,"_task_hash":1219025007,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844260,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"Notwithstanding provisions in \u00a7 1270.6 regarding Department of Treasury regulations set forth in 31 CFR part 357:, (a) The Department of Treasury TRADES Commentary (31 CFR part 357, appendix B) addressing the Department of Treasury regulations governing book-entry procedure for Treasury Securities is hereby referenced, so far as applicable and as necessarily modified to relate to Book-entry consolidated obligations, as an interpretive aid to this subpart D of this part., (b) Determinations of the Department of Treasury regarding whether a State shall be considered to have adopted Revised Article 8 for purposes of 31 CFR part 357, as published in the Federal Register or otherwise, shall also apply to this subpart D of this part.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1270"],"part_title":["PART 1270 - LIABILITIES"],"section":["1270.19"],"section_title":["\u00a7 1270.19 Reference to certain Department of Treasury commentary and determinations."]},"_input_hash":-881299900,"_task_hash":1219025007,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815170,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"Notwithstanding provisions in \u00a7 1270.6 regarding Department of Treasury regulations set forth in 31 CFR part 357:, (a) The Department of Treasury TRADES Commentary (31 CFR part 357, appendix B) addressing the Department of Treasury regulations governing book-entry procedure for Treasury Securities is hereby referenced, so far as applicable and as necessarily modified to relate to Book-entry consolidated obligations, as an interpretive aid to this subpart D of this part., (b) Determinations of the Department of Treasury regarding whether a State shall be considered to have adopted Revised Article 8 for purposes of 31 CFR part 357, as published in the Federal Register or otherwise, shall also apply to this subpart D of this part.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1270"],"part_title":["PART 1270 - LIABILITIES"],"section":["1270.19"],"section_title":["\u00a7 1270.19 Reference to certain Department of Treasury commentary and determinations."]},"_input_hash":-881299900,"_task_hash":511202475,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711823364,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Definitions. (1) Rural homeowner means an individual who resides in a rural area and is not a bona fide farmer, rancher, or producer or harvester of aquatic products., (2) Rural home means a single-family moderately priced dwelling located in a rural area that will be owned and occupied as the rural homeowner's principal residence., (3) Rural area means open country within a State or the Commonwealth of Puerto Rico, which may include a town or village that has a population of not more than 2,500 persons., (4) Moderately priced means the price of any rural home that either:, (i) Satisfies the criteria in section 8.0 of the Act pertaining to rural home loans that collateralize securities that are guaranteed by the Federal Agricultural Mortgage Corporation; or, (ii) Is otherwise determined to be moderately priced for housing values for the rural area where it is located, as documented by data from a credible, independent, and recognized national or regional source, such as a Federal, State, or local government agency, or an industry source. Housing values at or below the 75th percentile of values reflected in such data will be deemed moderately priced., (b) Eligibility. Any rural homeowner is eligible to obtain financing on a rural home. No borrower shall have a loan from the Farm Credit System on more than one rural home at any one time., (c) Purposes of financing. Loans may be made to rural homeowners for the purpose of buying, building, remodeling, improving, repairing rural homes, and refinancing existing indebtedness thereon., (d) Portfolio limitations. (1) The aggregate of retail rural home loans by any Farm Credit Bank or agricultural credit bank shall not exceed 15 percent of the total of all of its outstanding loans at any one time., (2) The aggregate of rural home loans made by each direct lender association shall not exceed 15 percent of the total of its outstanding loans at the end of its preceding fiscal year, except with the prior approval of its funding bank., (3) The aggregate of rural home loans made by all direct lender associations that are funded by the same Farm Credit bank shall not exceed 15 percent of the total outstanding loans of all such associations at the end of the funding bank's preceding fiscal year.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["613"],"part_title":["PART 613 - ELIGIBILITY AND SCOPE OF FINANCING"],"section":["613.3030"],"section_title":["\u00a7 613.3030 Rural home financing."]},"_input_hash":1142886565,"_task_hash":-1284142585,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844261,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Definitions. (1) Rural homeowner means an individual who resides in a rural area and is not a bona fide farmer, rancher, or producer or harvester of aquatic products., (2) Rural home means a single-family moderately priced dwelling located in a rural area that will be owned and occupied as the rural homeowner's principal residence., (3) Rural area means open country within a State or the Commonwealth of Puerto Rico, which may include a town or village that has a population of not more than 2,500 persons., (4) Moderately priced means the price of any rural home that either:, (i) Satisfies the criteria in section 8.0 of the Act pertaining to rural home loans that collateralize securities that are guaranteed by the Federal Agricultural Mortgage Corporation; or, (ii) Is otherwise determined to be moderately priced for housing values for the rural area where it is located, as documented by data from a credible, independent, and recognized national or regional source, such as a Federal, State, or local government agency, or an industry source. Housing values at or below the 75th percentile of values reflected in such data will be deemed moderately priced., (b) Eligibility. Any rural homeowner is eligible to obtain financing on a rural home. No borrower shall have a loan from the Farm Credit System on more than one rural home at any one time., (c) Purposes of financing. Loans may be made to rural homeowners for the purpose of buying, building, remodeling, improving, repairing rural homes, and refinancing existing indebtedness thereon., (d) Portfolio limitations. (1) The aggregate of retail rural home loans by any Farm Credit Bank or agricultural credit bank shall not exceed 15 percent of the total of all of its outstanding loans at any one time., (2) The aggregate of rural home loans made by each direct lender association shall not exceed 15 percent of the total of its outstanding loans at the end of its preceding fiscal year, except with the prior approval of its funding bank., (3) The aggregate of rural home loans made by all direct lender associations that are funded by the same Farm Credit bank shall not exceed 15 percent of the total outstanding loans of all such associations at the end of the funding bank's preceding fiscal year.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["613"],"part_title":["PART 613 - ELIGIBILITY AND SCOPE OF FINANCING"],"section":["613.3030"],"section_title":["\u00a7 613.3030 Rural home financing."]},"_input_hash":1142886565,"_task_hash":143762064,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815185,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"(a) Definitions. (1) Rural homeowner means an individual who resides in a rural area and is not a bona fide farmer, rancher, or producer or harvester of aquatic products., (2) Rural home means a single-family moderately priced dwelling located in a rural area that will be owned and occupied as the rural homeowner's principal residence., (3) Rural area means open country within a State or the Commonwealth of Puerto Rico, which may include a town or village that has a population of not more than 2,500 persons., (4) Moderately priced means the price of any rural home that either:, (i) Satisfies the criteria in section 8.0 of the Act pertaining to rural home loans that collateralize securities that are guaranteed by the Federal Agricultural Mortgage Corporation; or, (ii) Is otherwise determined to be moderately priced for housing values for the rural area where it is located, as documented by data from a credible, independent, and recognized national or regional source, such as a Federal, State, or local government agency, or an industry source. Housing values at or below the 75th percentile of values reflected in such data will be deemed moderately priced., (b) Eligibility. Any rural homeowner is eligible to obtain financing on a rural home. No borrower shall have a loan from the Farm Credit System on more than one rural home at any one time., (c) Purposes of financing. Loans may be made to rural homeowners for the purpose of buying, building, remodeling, improving, repairing rural homes, and refinancing existing indebtedness thereon., (d) Portfolio limitations. (1) The aggregate of retail rural home loans by any Farm Credit Bank or agricultural credit bank shall not exceed 15 percent of the total of all of its outstanding loans at any one time., (2) The aggregate of rural home loans made by each direct lender association shall not exceed 15 percent of the total of its outstanding loans at the end of its preceding fiscal year, except with the prior approval of its funding bank., (3) The aggregate of rural home loans made by all direct lender associations that are funded by the same Farm Credit bank shall not exceed 15 percent of the total outstanding loans of all such associations at the end of the funding bank's preceding fiscal year.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["613"],"part_title":["PART 613 - ELIGIBILITY AND SCOPE OF FINANCING"],"section":["613.3030"],"section_title":["\u00a7 613.3030 Rural home financing."]},"_input_hash":1142886565,"_task_hash":548545785,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711823371,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) Definitions. (1) Rural homeowner means an individual who resides in a rural area and is not a bona fide farmer, rancher, or producer or harvester of aquatic products., (2) Rural home means a single-family moderately priced dwelling located in a rural area that will be owned and occupied as the rural homeowner's principal residence., (3) Rural area means open country within a State or the Commonwealth of Puerto Rico, which may include a town or village that has a population of not more than 2,500 persons., (4) Moderately priced means the price of any rural home that either:, (i) Satisfies the criteria in section 8.0 of the Act pertaining to rural home loans that collateralize securities that are guaranteed by the Federal Agricultural Mortgage Corporation; or, (ii) Is otherwise determined to be moderately priced for housing values for the rural area where it is located, as documented by data from a credible, independent, and recognized national or regional source, such as a Federal, State, or local government agency, or an industry source. Housing values at or below the 75th percentile of values reflected in such data will be deemed moderately priced., (b) Eligibility. Any rural homeowner is eligible to obtain financing on a rural home. No borrower shall have a loan from the Farm Credit System on more than one rural home at any one time., (c) Purposes of financing. Loans may be made to rural homeowners for the purpose of buying, building, remodeling, improving, repairing rural homes, and refinancing existing indebtedness thereon., (d) Portfolio limitations. (1) The aggregate of retail rural home loans by any Farm Credit Bank or agricultural credit bank shall not exceed 15 percent of the total of all of its outstanding loans at any one time., (2) The aggregate of rural home loans made by each direct lender association shall not exceed 15 percent of the total of its outstanding loans at the end of its preceding fiscal year, except with the prior approval of its funding bank., (3) The aggregate of rural home loans made by all direct lender associations that are funded by the same Farm Credit bank shall not exceed 15 percent of the total outstanding loans of all such associations at the end of the funding bank's preceding fiscal year.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["613"],"part_title":["PART 613 - ELIGIBILITY AND SCOPE OF FINANCING"],"section":["613.3030"],"section_title":["\u00a7 613.3030 Rural home financing."]},"_input_hash":1142886565,"_task_hash":-1284142585,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830217,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) A Farm Credit Bank or agricultural credit bank shall not advance funds to, or discount loans for, an OFI, as defined in \u00a7 611.1205 of this chapter, except pursuant to a general financing agreement. , (b) The Farm Credit Bank or agricultural credit bank shall deliver a copy of the executed general financing agreement and all related documents, such as a promissory note or security agreement, and all amendments of any of these documents, within 10 business days after any such document or amendment is executed, to the Chief Examiner, Farm Credit Administration, or to the Farm Credit Administration office that the Chief Examiner designates. , (c) The total credit extended to the OFI, through direct loan or discounts, shall be consistent with the Farm Credit Bank's or agricultural credit bank's lending policies and loan underwriting standards and the creditworthiness of the OFI. The general financing agreement or promissory note shall establish a maximum credit limit determined by objective standards as established by the Farm Credit Bank or agricultural credit bank. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4130"],"section_title":["\u00a7 614.4130 Funding and discount relationships between Farm Credit Banks or agricultural credit banks and OFIs."]},"_input_hash":-56738899,"_task_hash":1622335456,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844264,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) A Farm Credit Bank or agricultural credit bank shall not advance funds to, or discount loans for, an OFI, as defined in \u00a7 611.1205 of this chapter, except pursuant to a general financing agreement. , (b) The Farm Credit Bank or agricultural credit bank shall deliver a copy of the executed general financing agreement and all related documents, such as a promissory note or security agreement, and all amendments of any of these documents, within 10 business days after any such document or amendment is executed, to the Chief Examiner, Farm Credit Administration, or to the Farm Credit Administration office that the Chief Examiner designates. , (c) The total credit extended to the OFI, through direct loan or discounts, shall be consistent with the Farm Credit Bank's or agricultural credit bank's lending policies and loan underwriting standards and the creditworthiness of the OFI. The general financing agreement or promissory note shall establish a maximum credit limit determined by objective standards as established by the Farm Credit Bank or agricultural credit bank. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4130"],"section_title":["\u00a7 614.4130 Funding and discount relationships between Farm Credit Banks or agricultural credit banks and OFIs."]},"_input_hash":-56738899,"_task_hash":1622335456,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815264,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) A Farm Credit Bank or agricultural credit bank shall not advance funds to, or discount loans for, an OFI, as defined in \u00a7 611.1205 of this chapter, except pursuant to a general financing agreement. , (b) The Farm Credit Bank or agricultural credit bank shall deliver a copy of the executed general financing agreement and all related documents, such as a promissory note or security agreement, and all amendments of any of these documents, within 10 business days after any such document or amendment is executed, to the Chief Examiner, Farm Credit Administration, or to the Farm Credit Administration office that the Chief Examiner designates. , (c) The total credit extended to the OFI, through direct loan or discounts, shall be consistent with the Farm Credit Bank's or agricultural credit bank's lending policies and loan underwriting standards and the creditworthiness of the OFI. The general financing agreement or promissory note shall establish a maximum credit limit determined by objective standards as established by the Farm Credit Bank or agricultural credit bank. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4130"],"section_title":["\u00a7 614.4130 Funding and discount relationships between Farm Credit Banks or agricultural credit banks and OFIs."]},"_input_hash":-56738899,"_task_hash":-437792566,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711823386,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) A Farm Credit Bank or agricultural credit bank shall not advance funds to, or discount loans for, an OFI, as defined in \u00a7 611.1205 of this chapter, except pursuant to a general financing agreement. , (b) The Farm Credit Bank or agricultural credit bank shall deliver a copy of the executed general financing agreement and all related documents, such as a promissory note or security agreement, and all amendments of any of these documents, within 10 business days after any such document or amendment is executed, to the Chief Examiner, Farm Credit Administration, or to the Farm Credit Administration office that the Chief Examiner designates. , (c) The total credit extended to the OFI, through direct loan or discounts, shall be consistent with the Farm Credit Bank's or agricultural credit bank's lending policies and loan underwriting standards and the creditworthiness of the OFI. The general financing agreement or promissory note shall establish a maximum credit limit determined by objective standards as established by the Farm Credit Bank or agricultural credit bank. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4130"],"section_title":["\u00a7 614.4130 Funding and discount relationships between Farm Credit Banks or agricultural credit banks and OFIs."]},"_input_hash":-56738899,"_task_hash":96407633,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830220,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Material supervisory determination. The term \u201cmaterial supervisory determination\u201d means a written decision by a program office (unless ineligible for appeal) that may significantly affect the capital, earnings, operating flexibility, or that may otherwise affect the nature or level of supervisory oversight of an insured credit union. The term includes, but is not limited to:, (1) A composite examination rating of 3, 4, or 5;, (2) A determination relating to the adequacy of loan loss reserve provisions;, (3) The classification of loans and other assets that are significant to an insured credit union;, (4) A determination regarding an insured credit union's compliance with Federal consumer financial law;, (5) A determination on a waiver request or an application for additional authority where independent appeal procedures have not been specified in other NCUA regulations; and, (6) A determination by the relevant reviewing authority that an appeal filed under this subchapter does not raise a material supervisory determination., (b) Exclusions from coverage. The term \u201cmaterial supervisory determination\u201d does not include:, (1) A composite examination rating of 1 or 2;, (2) A component examination rating unless the component rating has a significant adverse effect on the nature or level of supervisory oversight of an insured credit union;, (3) The scope and timing of supervisory contacts;, (4) A decision to appoint a conservator or liquidating agent for an insured credit union;, (5) A decision to take prompt corrective action pursuant to section 216 of the Federal Credit Union Act (12 U.S.C. 1790d) and part 702 of this chapter;, (6) Enforcement-related actions and decisions, including determinations and the underlying facts and circumstances that form the basis of a pending enforcement action;, (7) Preliminary examination conclusions communicated to an insured credit union before a final exam report or other written communication is issued;, (8) Formal and informal rulemakings pursuant to the Administrative Procedure Act (5 U.S.C. 500 et seq.);, (9) Requests for NCUA records or information under the Freedom of Information Act (5 U.S.C. 552) and part 792 of this chapter and the submission of information to NCUA that is governed by this statute and this regulation; and, (10) Determinations for which other appeals procedures exist.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["746"],"part_title":["PART 746 - APPEALS PROCEDURES"],"section":["746.103"],"section_title":["\u00a7 746.103 Material supervisory determinations."]},"_input_hash":389091598,"_task_hash":-2062326641,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844266,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Material supervisory determination. The term \u201cmaterial supervisory determination\u201d means a written decision by a program office (unless ineligible for appeal) that may significantly affect the capital, earnings, operating flexibility, or that may otherwise affect the nature or level of supervisory oversight of an insured credit union. The term includes, but is not limited to:, (1) A composite examination rating of 3, 4, or 5;, (2) A determination relating to the adequacy of loan loss reserve provisions;, (3) The classification of loans and other assets that are significant to an insured credit union;, (4) A determination regarding an insured credit union's compliance with Federal consumer financial law;, (5) A determination on a waiver request or an application for additional authority where independent appeal procedures have not been specified in other NCUA regulations; and, (6) A determination by the relevant reviewing authority that an appeal filed under this subchapter does not raise a material supervisory determination., (b) Exclusions from coverage. The term \u201cmaterial supervisory determination\u201d does not include:, (1) A composite examination rating of 1 or 2;, (2) A component examination rating unless the component rating has a significant adverse effect on the nature or level of supervisory oversight of an insured credit union;, (3) The scope and timing of supervisory contacts;, (4) A decision to appoint a conservator or liquidating agent for an insured credit union;, (5) A decision to take prompt corrective action pursuant to section 216 of the Federal Credit Union Act (12 U.S.C. 1790d) and part 702 of this chapter;, (6) Enforcement-related actions and decisions, including determinations and the underlying facts and circumstances that form the basis of a pending enforcement action;, (7) Preliminary examination conclusions communicated to an insured credit union before a final exam report or other written communication is issued;, (8) Formal and informal rulemakings pursuant to the Administrative Procedure Act (5 U.S.C. 500 et seq.);, (9) Requests for NCUA records or information under the Freedom of Information Act (5 U.S.C. 552) and part 792 of this chapter and the submission of information to NCUA that is governed by this statute and this regulation; and, (10) Determinations for which other appeals procedures exist.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["746"],"part_title":["PART 746 - APPEALS PROCEDURES"],"section":["746.103"],"section_title":["\u00a7 746.103 Material supervisory determinations."]},"_input_hash":389091598,"_task_hash":-2062326641,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815281,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Material supervisory determination. The term \u201cmaterial supervisory determination\u201d means a written decision by a program office (unless ineligible for appeal) that may significantly affect the capital, earnings, operating flexibility, or that may otherwise affect the nature or level of supervisory oversight of an insured credit union. The term includes, but is not limited to:, (1) A composite examination rating of 3, 4, or 5;, (2) A determination relating to the adequacy of loan loss reserve provisions;, (3) The classification of loans and other assets that are significant to an insured credit union;, (4) A determination regarding an insured credit union's compliance with Federal consumer financial law;, (5) A determination on a waiver request or an application for additional authority where independent appeal procedures have not been specified in other NCUA regulations; and, (6) A determination by the relevant reviewing authority that an appeal filed under this subchapter does not raise a material supervisory determination., (b) Exclusions from coverage. The term \u201cmaterial supervisory determination\u201d does not include:, (1) A composite examination rating of 1 or 2;, (2) A component examination rating unless the component rating has a significant adverse effect on the nature or level of supervisory oversight of an insured credit union;, (3) The scope and timing of supervisory contacts;, (4) A decision to appoint a conservator or liquidating agent for an insured credit union;, (5) A decision to take prompt corrective action pursuant to section 216 of the Federal Credit Union Act (12 U.S.C. 1790d) and part 702 of this chapter;, (6) Enforcement-related actions and decisions, including determinations and the underlying facts and circumstances that form the basis of a pending enforcement action;, (7) Preliminary examination conclusions communicated to an insured credit union before a final exam report or other written communication is issued;, (8) Formal and informal rulemakings pursuant to the Administrative Procedure Act (5 U.S.C. 500 et seq.);, (9) Requests for NCUA records or information under the Freedom of Information Act (5 U.S.C. 552) and part 792 of this chapter and the submission of information to NCUA that is governed by this statute and this regulation; and, (10) Determinations for which other appeals procedures exist.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["746"],"part_title":["PART 746 - APPEALS PROCEDURES"],"section":["746.103"],"section_title":["\u00a7 746.103 Material supervisory determinations."]},"_input_hash":389091598,"_task_hash":-494881650,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830223,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Request for expedited processing. You may request, in writing, expedited processing of an initial request or of an appeal. FHFA may grant expedited processing, and give your request or appeal priority if your request for expedited processing demonstrates a compelling need by establishing one or more of the following - , (1) Circumstances in which the lack of expedited treatment could reasonably be expected to pose an imminent threat to the life or physical safety of an individual;, (2) An urgency to inform the public about an actual or alleged Federal Government activity if you are a person primarily engaged in disseminating information;, (3) The loss of substantial due process or rights;, (4) A matter of widespread and exceptional media interest in which there exists possible questions about the Federal Government's integrity, affecting public confidence; or, (5) Humanitarian need., (b) Certification of compelling need. Your request for expedited processing must include a statement certifying that the reason(s) you present demonstrate a compelling need are true and correct to the best of your knowledge., (c) Determination on request. FHFA will notify you within 10 calendar days of receipt of your request whether expedited processing has been granted. If a request for expedited treatment is granted, the request will be given priority and will be processed as soon as practicable. If a request for expedited processing is denied, any appeal of that decision under \u00a7 1202.9 of this part will be acted on expeditiously.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1202"],"part_title":["PART 1202 - FREEDOM OF INFORMATION ACT"],"section":["1202.10"],"section_title":["\u00a7 1202.10 Will FHFA expedite my request or appeal?"]},"_input_hash":1263032571,"_task_hash":-1022110951,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815932,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Request for expedited processing. You may request, in writing, expedited processing of an initial request or of an appeal. FHFA may grant expedited processing, and give your request or appeal priority if your request for expedited processing demonstrates a compelling need by establishing one or more of the following - , (1) Circumstances in which the lack of expedited treatment could reasonably be expected to pose an imminent threat to the life or physical safety of an individual;, (2) An urgency to inform the public about an actual or alleged Federal Government activity if you are a person primarily engaged in disseminating information;, (3) The loss of substantial due process or rights;, (4) A matter of widespread and exceptional media interest in which there exists possible questions about the Federal Government's integrity, affecting public confidence; or, (5) Humanitarian need., (b) Certification of compelling need. Your request for expedited processing must include a statement certifying that the reason(s) you present demonstrate a compelling need are true and correct to the best of your knowledge., (c) Determination on request. FHFA will notify you within 10 calendar days of receipt of your request whether expedited processing has been granted. If a request for expedited treatment is granted, the request will be given priority and will be processed as soon as practicable. If a request for expedited processing is denied, any appeal of that decision under \u00a7 1202.9 of this part will be acted on expeditiously.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1202"],"part_title":["PART 1202 - FREEDOM OF INFORMATION ACT"],"section":["1202.10"],"section_title":["\u00a7 1202.10 Will FHFA expedite my request or appeal?"]},"_input_hash":1263032571,"_task_hash":-1022110951,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815932,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) CECL transition provision. (1) Except as provided in paragraph (d) of this section, a Board-regulated institution may elect to use a CECL transition provision pursuant to this section only if the Board-regulated institution records a reduction in retained earnings due to the adoption of CECL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL., (2) Except as provided in paragraph (d) of this section, a Board-regulated institution that elects to use the CECL transition provision must elect to use the CECL transition provision in the first Call Report or FR Y-9C that includes CECL filed by the Board-regulated institution after it adopts CECL., (3) A Board-regulated institution that does not elect to use the CECL transition provision as of the first Call Report or FR Y-9C that includes CECL filed as described in paragraph (a)(2) of this section may not elect to use the CECL transition provision in subsequent reporting periods., (b) Definitions. For purposes of this section, the following definitions apply:, (1) Transition period means the three-year period beginning the first day of the fiscal year in which a Board-regulated institution adopts CECL and reflects CECL in its first Call Report or FR Y-9C filed after that date; or, for the 2020 CECL transition provision under paragraph (d) of this section, the five-year period beginning on the earlier of the date a Board-regulated institution was required to adopt CECL for accounting purposes under GAAP (as in effect January 1, 2020), or the first day of the fiscal year that begins during the 2020 calendar year in which the Board-regulated institution files regulatory reports that include CECL., (2) CECL transitional amount means the difference net of any DTAs, in the amount of a Board-regulated institution's retained earnings as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL from the amount of the Board-regulated institution's retained earnings as of the closing of the fiscal year-end immediately prior to the Board-regulated institution's adoption of CECL., (3) DTA transitional amount means the difference in the amount of a Board-regulated institution's DTAs arising from temporary differences as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL from the amount of the Board-regulated institution's DTAs arising from temporary differences as of the closing of the fiscal year-end immediately prior to the Board-regulated institution's adoption of CECL., (4) AACL transitional amount means the difference in the amount of a Board-regulated institution's AACL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL and the amount of the Board-regulated institution's ALLL as of the closing of the fiscal year-end immediately prior to the Board-regulated institution's adoption of CECL., (5) Eligible credit reserves transitional amount means the difference in the amount of a Board-regulated institution's eligible credit reserves as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL from the amount of the Board-regulated institution's eligible credit reserves as of the closing of the fiscal year-end immediately prior to the Board-regulated institution's adoption of CECL., (c) Calculation of the three-year CECL transition provision. (1) For purposes of the election described in paragraph (a)(1) of this section and except as provided in paragraph (d) of this section, a Board-regulated institution must make the following adjustments in its calculation of regulatory capital ratios:, (i) Increase retained earnings by seventy-five percent of its CECL transitional amount during the first year of the transition period, increase retained earnings by fifty percent of its CECL transitional amount during the second year of the transition period, and increase retained earnings by twenty-five percent of its CECL transitional amount during the third year of the transition period;, (ii) Decrease amounts of DTAs arising from temporary differences by seventy-five percent of its DTA transitional amount during the first year of the transition period, decrease amounts of DTAs arising from temporary differences by fifty percent of its DTA transitional amount during the second year of the transition period, and decrease amounts of DTAs arising from temporary differences by twenty-five percent of its DTA transitional amount during the third year of the transition period;, (iii) Decrease amounts of AACL by seventy-five percent of its AACL transitional amount during the first year of the transition period, decrease amounts of AACL by fifty percent of its AACL transitional amount during the second year of the transition period, and decrease amounts of AACL by twenty-five percent of its AACL transitional amount during the third year of the transition period; and, (iv) Increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by seventy-five percent of its CECL transitional amount during the first year of the transition period, increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by fifty percent of its CECL transitional amount during the second year of the transition period, and increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by twenty-five percent of its CECL transitional amount during the third year of the transition period., (2) For purposes of the election described in paragraph (a)(1) of this section, an advanced approaches or Category III Board-regulated institution must make the following additional adjustments to its calculation of its applicable regulatory capital ratios:, (i) Increase total leverage exposure for purposes of the supplementary leverage ratio by seventy-five percent of its CECL transitional amount during the first year of the transition period, increase total leverage exposure for purposes of the supplementary leverage ratio by fifty percent of its CECL transitional amount during the second year of the transition period, and increase total leverage exposure for purposes of the supplementary leverage ratio by twenty-five percent of its CECL transitional amount during the third year of the transition period; and, (ii) An advanced approaches Board-regulated institution that has completed the parallel run process and that has received notification from the Board pursuant to \u00a7 217.121(d) must decrease amounts of eligible credit reserves by seventy-five percent of its eligible credit reserves transitional amount during the first year of the transition period, decrease amounts of eligible credit reserves by fifty percent of its eligible credit reserves transitional amount during the second year of the transition provision, and decrease amounts of eligible credit reserves by twenty-five percent of its eligible credit reserves transitional amount during the third year of the transition period., (d) 2020 CECL transition provision. Notwithstanding paragraph (a) of this section, a Board-regulated institution that adopts CECL for accounting purposes under GAAP as of the first day of a fiscal year that begins during the 2020 calendar year may elect to use the transitional amounts and modified transitional amounts in paragraph (d)(1) of this section with the 2020 CECL transition provision calculation in paragraph (d)(2) of this section to adjust its calculation of regulatory capital ratios during each quarter of the transition period in which a Board-regulated institution uses CECL for purposes of its Call Report or FR Y-9C. A Board-regulated institution may use the transition provision in this paragraph (d) if it has a positive modified CECL transitional amount during any quarter ending in 2020, and makes the election in the Call Report or FR Y-9C filed for the same quarter. A Board-regulated institution that does not calculate a positive modified CECL transitional amount in any quarter is not required to apply the adjustments in its calculation of regulatory capital ratios in paragraph (d)(2) of this section in that quarter., (1) Definitions. For purposes of the 2020 CECL transition provision calculation in paragraph (d)(2) of this section, the following definitions apply:, (i) Modified CECL transitional amount means:, (A) During the first two years of the transition period, the difference between AACL as reported in the most recent Call Report or FR Y-9C, and the AACL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL, multiplied by 0.25, plus the CECL transitional amount; and, (B) During the last three years of the transition period, the difference between AACL as reported in the Call Report or Y-9C at the end of the second year of the transition period and the AACL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL, multiplied by 0.25, plus the CECL transitional amount., (ii) Modified AACL transitional amount means:, (A) During the first two years of the transition period, the difference between AACL as reported in the most recent Call Report or FR Y-9C, and the AACL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL, multiplied by 0.25, plus the AACL transitional amount; and, (B) During the last three years of the transition period, the difference between AACL as reported in the Call Report or FR Y-9C at the end of the second year of the transition period and the AACL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL, multiplied by 0.25, plus the AACL transitional amount., (2) Calculation of 2020 CECL transition provision. (i) A Board-regulated institution that has elected the 2020 CECL transition provision described in this paragraph (d) may make the following adjustments in its calculation of regulatory capital ratios:, (A) Increase retained earnings by one-hundred percent of its modified CECL transitional amount during the first year of the transition period, increase retained earnings by one hundred percent of its modified CECL transitional amount during the second year of the transition period, increase retained earnings by seventy-five percent of its modified CECL transitional amount during the third year of the transition period, increase retained earnings by fifty percent of its modified CECL transitional amount during the fourth year of the transition period, and increase retained earnings by twenty-five percent of its modified CECL transitional amount during the fifth year of the transition period;, (B) Decrease amounts of DTAs arising from temporary differences by one-hundred percent of its DTA transitional amount during the first year of the transition period, decrease amounts of DTAs arising from temporary differences by one hundred percent of its DTA transitional amount during the second year of the transition period, decrease amounts of DTAs arising from temporary differences by seventy-five percent of its DTA transitional amount during the third year of the transition period, decrease amounts of DTAs arising from temporary differences by fifty percent of its DTA transitional amount during the fourth year of the transition period, and decrease amounts of DTAs arising from temporary differences by twenty-five percent of its DTA transitional amount during the fifth year of the transition period;, (C) Decrease amounts of AACL by one-hundred percent of its modified AACL transitional amount during the first year of the transition period, decrease amounts of AACL by one hundred percent of its modified AACL transitional amount during the second year of the transition period, decrease amounts of AACL by seventy-five percent of its modified AACL transitional amount during the third year of the transition period, decrease amounts of AACL by fifty percent of its AACL transitional amount during the fourth year of the transition period, and decrease amounts of AACL by twenty-five percent of its AACL transitional amount during the fifth year of the transition period; and, (D) Increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by one-hundred percent of its modified CECL transitional amount during the first year of the transition period, increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by one hundred percent of its modified CECL transitional amount during the second year of the transition period, increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by seventy-five percent of its modified CECL transitional amount during the third year of the transition period, increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by fifty percent of its modified CECL transitional amount during the fourth year of the transition period, and increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by twenty-five percent of its modified CECL transitional amount during the fifth year of the transition period., (ii) An advanced approaches or Category III Board-regulated institution that has elected the 2020 CECL transition provision described in this paragraph (d) may make the following additional adjustments to its calculation of its applicable regulatory capital ratios:, (A) Increase total leverage exposure for purposes of the supplementary leverage ratio by one-hundred percent of its modified CECL transitional amount during the first year of the transition period, increase total leverage exposure for purposes of the supplementary leverage ratio by one hundred percent of its modified CECL transitional amount during the second year of the transition period, increase total leverage exposure for purposes of the supplementary leverage ratio by seventy-five percent of its modified CECL transitional amount during the third year of the transition period, increase total leverage exposure for purposes of the supplementary leverage ratio by fifty percent of its modified CECL transitional amount during the fourth year of the transition period, and increase total leverage exposure for purposes of the supplementary leverage ratio by twenty-five percent of its modified CECL transitional amount during the fifth year of the transition period; and, (B) An advanced approaches Board-regulated institution that has completed the parallel run process and that has received notification from the Board pursuant to \u00a7 217.121(d) must decrease amounts of eligible credit reserves by one-hundred percent of its eligible credit reserves transitional amount during the first year of the transition period, decrease amounts of eligible credit reserves by one hundred percent of its eligible credit reserves transitional amount during the second year of the transition period, decrease amounts of eligible credit reserves by seventy-five percent of its eligible credit reserves transitional amount during the third year of the transition period, decrease amounts of eligible credit reserves by fifty percent of its eligible credit reserves transitional amount during the fourth year of the transition period, and decrease amounts of eligible credit reserves by twenty-five percent of its eligible credit reserves transitional amount during the fifth year of the transition period., (e) Eligible credit reserves shortfall. An advanced approaches Board-regulated institution that has completed the parallel run process and that has received notification from the Board pursuant to \u00a7 217.121(d), whose amount of expected credit loss exceeded its eligible credit reserves immediately prior to the adoption of CECL, and that has an increase in common equity tier 1 capital as of the beginning of the fiscal year in which it adopts CECL after including the first year portion of the CECL transitional amount (or modified CECL transitional amount) must decrease its CECL transitional amount used in paragraph (c) of this section (or modified CECL transitional amount used in paragraph (d) of this section) by the full amount of its DTA transitional amount., (f) Business combinations. Notwithstanding any other requirement in this section, for purposes of this paragraph (f), in the event of a business combination involving a Board-regulated institution where one or both Board-regulated institutions have elected the treatment described in this section:, (1) If the acquirer Board-regulated institution (as determined under GAAP) elected the treatment described in this section, the acquirer Board-regulated institution must continue to use the transitional amounts (unaffected by the business combination) that it calculated as of the date that it adopted CECL through the end of its transition period., (2) If the acquired company (as determined under GAAP) elected the treatment described in this section, any transitional amount of the acquired company does not transfer to the resulting Board-regulated institution.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["217"],"part_title":["PART 217 - CAPITAL ADEQUACY OF BANK HOLDING COMPANIES, SAVINGS AND LOAN HOLDING COMPANIES, AND STATE MEMBER BANKS (REGULATION Q)"],"section":["217.301"],"section_title":["\u00a7 217.301 Current expected credit losses (CECL) transition."]},"_input_hash":-925272908,"_task_hash":-867772819,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844269,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"(a) CECL transition provision. (1) Except as provided in paragraph (d) of this section, a Board-regulated institution may elect to use a CECL transition provision pursuant to this section only if the Board-regulated institution records a reduction in retained earnings due to the adoption of CECL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL., (2) Except as provided in paragraph (d) of this section, a Board-regulated institution that elects to use the CECL transition provision must elect to use the CECL transition provision in the first Call Report or FR Y-9C that includes CECL filed by the Board-regulated institution after it adopts CECL., (3) A Board-regulated institution that does not elect to use the CECL transition provision as of the first Call Report or FR Y-9C that includes CECL filed as described in paragraph (a)(2) of this section may not elect to use the CECL transition provision in subsequent reporting periods., (b) Definitions. For purposes of this section, the following definitions apply:, (1) Transition period means the three-year period beginning the first day of the fiscal year in which a Board-regulated institution adopts CECL and reflects CECL in its first Call Report or FR Y-9C filed after that date; or, for the 2020 CECL transition provision under paragraph (d) of this section, the five-year period beginning on the earlier of the date a Board-regulated institution was required to adopt CECL for accounting purposes under GAAP (as in effect January 1, 2020), or the first day of the fiscal year that begins during the 2020 calendar year in which the Board-regulated institution files regulatory reports that include CECL., (2) CECL transitional amount means the difference net of any DTAs, in the amount of a Board-regulated institution's retained earnings as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL from the amount of the Board-regulated institution's retained earnings as of the closing of the fiscal year-end immediately prior to the Board-regulated institution's adoption of CECL., (3) DTA transitional amount means the difference in the amount of a Board-regulated institution's DTAs arising from temporary differences as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL from the amount of the Board-regulated institution's DTAs arising from temporary differences as of the closing of the fiscal year-end immediately prior to the Board-regulated institution's adoption of CECL., (4) AACL transitional amount means the difference in the amount of a Board-regulated institution's AACL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL and the amount of the Board-regulated institution's ALLL as of the closing of the fiscal year-end immediately prior to the Board-regulated institution's adoption of CECL., (5) Eligible credit reserves transitional amount means the difference in the amount of a Board-regulated institution's eligible credit reserves as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL from the amount of the Board-regulated institution's eligible credit reserves as of the closing of the fiscal year-end immediately prior to the Board-regulated institution's adoption of CECL., (c) Calculation of the three-year CECL transition provision. (1) For purposes of the election described in paragraph (a)(1) of this section and except as provided in paragraph (d) of this section, a Board-regulated institution must make the following adjustments in its calculation of regulatory capital ratios:, (i) Increase retained earnings by seventy-five percent of its CECL transitional amount during the first year of the transition period, increase retained earnings by fifty percent of its CECL transitional amount during the second year of the transition period, and increase retained earnings by twenty-five percent of its CECL transitional amount during the third year of the transition period;, (ii) Decrease amounts of DTAs arising from temporary differences by seventy-five percent of its DTA transitional amount during the first year of the transition period, decrease amounts of DTAs arising from temporary differences by fifty percent of its DTA transitional amount during the second year of the transition period, and decrease amounts of DTAs arising from temporary differences by twenty-five percent of its DTA transitional amount during the third year of the transition period;, (iii) Decrease amounts of AACL by seventy-five percent of its AACL transitional amount during the first year of the transition period, decrease amounts of AACL by fifty percent of its AACL transitional amount during the second year of the transition period, and decrease amounts of AACL by twenty-five percent of its AACL transitional amount during the third year of the transition period; and, (iv) Increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by seventy-five percent of its CECL transitional amount during the first year of the transition period, increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by fifty percent of its CECL transitional amount during the second year of the transition period, and increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by twenty-five percent of its CECL transitional amount during the third year of the transition period., (2) For purposes of the election described in paragraph (a)(1) of this section, an advanced approaches or Category III Board-regulated institution must make the following additional adjustments to its calculation of its applicable regulatory capital ratios:, (i) Increase total leverage exposure for purposes of the supplementary leverage ratio by seventy-five percent of its CECL transitional amount during the first year of the transition period, increase total leverage exposure for purposes of the supplementary leverage ratio by fifty percent of its CECL transitional amount during the second year of the transition period, and increase total leverage exposure for purposes of the supplementary leverage ratio by twenty-five percent of its CECL transitional amount during the third year of the transition period; and, (ii) An advanced approaches Board-regulated institution that has completed the parallel run process and that has received notification from the Board pursuant to \u00a7 217.121(d) must decrease amounts of eligible credit reserves by seventy-five percent of its eligible credit reserves transitional amount during the first year of the transition period, decrease amounts of eligible credit reserves by fifty percent of its eligible credit reserves transitional amount during the second year of the transition provision, and decrease amounts of eligible credit reserves by twenty-five percent of its eligible credit reserves transitional amount during the third year of the transition period., (d) 2020 CECL transition provision. Notwithstanding paragraph (a) of this section, a Board-regulated institution that adopts CECL for accounting purposes under GAAP as of the first day of a fiscal year that begins during the 2020 calendar year may elect to use the transitional amounts and modified transitional amounts in paragraph (d)(1) of this section with the 2020 CECL transition provision calculation in paragraph (d)(2) of this section to adjust its calculation of regulatory capital ratios during each quarter of the transition period in which a Board-regulated institution uses CECL for purposes of its Call Report or FR Y-9C. A Board-regulated institution may use the transition provision in this paragraph (d) if it has a positive modified CECL transitional amount during any quarter ending in 2020, and makes the election in the Call Report or FR Y-9C filed for the same quarter. A Board-regulated institution that does not calculate a positive modified CECL transitional amount in any quarter is not required to apply the adjustments in its calculation of regulatory capital ratios in paragraph (d)(2) of this section in that quarter., (1) Definitions. For purposes of the 2020 CECL transition provision calculation in paragraph (d)(2) of this section, the following definitions apply:, (i) Modified CECL transitional amount means:, (A) During the first two years of the transition period, the difference between AACL as reported in the most recent Call Report or FR Y-9C, and the AACL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL, multiplied by 0.25, plus the CECL transitional amount; and, (B) During the last three years of the transition period, the difference between AACL as reported in the Call Report or Y-9C at the end of the second year of the transition period and the AACL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL, multiplied by 0.25, plus the CECL transitional amount., (ii) Modified AACL transitional amount means:, (A) During the first two years of the transition period, the difference between AACL as reported in the most recent Call Report or FR Y-9C, and the AACL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL, multiplied by 0.25, plus the AACL transitional amount; and, (B) During the last three years of the transition period, the difference between AACL as reported in the Call Report or FR Y-9C at the end of the second year of the transition period and the AACL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL, multiplied by 0.25, plus the AACL transitional amount., (2) Calculation of 2020 CECL transition provision. (i) A Board-regulated institution that has elected the 2020 CECL transition provision described in this paragraph (d) may make the following adjustments in its calculation of regulatory capital ratios:, (A) Increase retained earnings by one-hundred percent of its modified CECL transitional amount during the first year of the transition period, increase retained earnings by one hundred percent of its modified CECL transitional amount during the second year of the transition period, increase retained earnings by seventy-five percent of its modified CECL transitional amount during the third year of the transition period, increase retained earnings by fifty percent of its modified CECL transitional amount during the fourth year of the transition period, and increase retained earnings by twenty-five percent of its modified CECL transitional amount during the fifth year of the transition period;, (B) Decrease amounts of DTAs arising from temporary differences by one-hundred percent of its DTA transitional amount during the first year of the transition period, decrease amounts of DTAs arising from temporary differences by one hundred percent of its DTA transitional amount during the second year of the transition period, decrease amounts of DTAs arising from temporary differences by seventy-five percent of its DTA transitional amount during the third year of the transition period, decrease amounts of DTAs arising from temporary differences by fifty percent of its DTA transitional amount during the fourth year of the transition period, and decrease amounts of DTAs arising from temporary differences by twenty-five percent of its DTA transitional amount during the fifth year of the transition period;, (C) Decrease amounts of AACL by one-hundred percent of its modified AACL transitional amount during the first year of the transition period, decrease amounts of AACL by one hundred percent of its modified AACL transitional amount during the second year of the transition period, decrease amounts of AACL by seventy-five percent of its modified AACL transitional amount during the third year of the transition period, decrease amounts of AACL by fifty percent of its AACL transitional amount during the fourth year of the transition period, and decrease amounts of AACL by twenty-five percent of its AACL transitional amount during the fifth year of the transition period; and, (D) Increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by one-hundred percent of its modified CECL transitional amount during the first year of the transition period, increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by one hundred percent of its modified CECL transitional amount during the second year of the transition period, increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by seventy-five percent of its modified CECL transitional amount during the third year of the transition period, increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by fifty percent of its modified CECL transitional amount during the fourth year of the transition period, and increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by twenty-five percent of its modified CECL transitional amount during the fifth year of the transition period., (ii) An advanced approaches or Category III Board-regulated institution that has elected the 2020 CECL transition provision described in this paragraph (d) may make the following additional adjustments to its calculation of its applicable regulatory capital ratios:, (A) Increase total leverage exposure for purposes of the supplementary leverage ratio by one-hundred percent of its modified CECL transitional amount during the first year of the transition period, increase total leverage exposure for purposes of the supplementary leverage ratio by one hundred percent of its modified CECL transitional amount during the second year of the transition period, increase total leverage exposure for purposes of the supplementary leverage ratio by seventy-five percent of its modified CECL transitional amount during the third year of the transition period, increase total leverage exposure for purposes of the supplementary leverage ratio by fifty percent of its modified CECL transitional amount during the fourth year of the transition period, and increase total leverage exposure for purposes of the supplementary leverage ratio by twenty-five percent of its modified CECL transitional amount during the fifth year of the transition period; and, (B) An advanced approaches Board-regulated institution that has completed the parallel run process and that has received notification from the Board pursuant to \u00a7 217.121(d) must decrease amounts of eligible credit reserves by one-hundred percent of its eligible credit reserves transitional amount during the first year of the transition period, decrease amounts of eligible credit reserves by one hundred percent of its eligible credit reserves transitional amount during the second year of the transition period, decrease amounts of eligible credit reserves by seventy-five percent of its eligible credit reserves transitional amount during the third year of the transition period, decrease amounts of eligible credit reserves by fifty percent of its eligible credit reserves transitional amount during the fourth year of the transition period, and decrease amounts of eligible credit reserves by twenty-five percent of its eligible credit reserves transitional amount during the fifth year of the transition period., (e) Eligible credit reserves shortfall. An advanced approaches Board-regulated institution that has completed the parallel run process and that has received notification from the Board pursuant to \u00a7 217.121(d), whose amount of expected credit loss exceeded its eligible credit reserves immediately prior to the adoption of CECL, and that has an increase in common equity tier 1 capital as of the beginning of the fiscal year in which it adopts CECL after including the first year portion of the CECL transitional amount (or modified CECL transitional amount) must decrease its CECL transitional amount used in paragraph (c) of this section (or modified CECL transitional amount used in paragraph (d) of this section) by the full amount of its DTA transitional amount., (f) Business combinations. Notwithstanding any other requirement in this section, for purposes of this paragraph (f), in the event of a business combination involving a Board-regulated institution where one or both Board-regulated institutions have elected the treatment described in this section:, (1) If the acquirer Board-regulated institution (as determined under GAAP) elected the treatment described in this section, the acquirer Board-regulated institution must continue to use the transitional amounts (unaffected by the business combination) that it calculated as of the date that it adopted CECL through the end of its transition period., (2) If the acquired company (as determined under GAAP) elected the treatment described in this section, any transitional amount of the acquired company does not transfer to the resulting Board-regulated institution.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["217"],"part_title":["PART 217 - CAPITAL ADEQUACY OF BANK HOLDING COMPANIES, SAVINGS AND LOAN HOLDING COMPANIES, AND STATE MEMBER BANKS (REGULATION Q)"],"section":["217.301"],"section_title":["\u00a7 217.301 Current expected credit losses (CECL) transition."]},"_input_hash":-925272908,"_task_hash":-867772819,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815304,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"(a) CECL transition provision. (1) Except as provided in paragraph (d) of this section, a Board-regulated institution may elect to use a CECL transition provision pursuant to this section only if the Board-regulated institution records a reduction in retained earnings due to the adoption of CECL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL., (2) Except as provided in paragraph (d) of this section, a Board-regulated institution that elects to use the CECL transition provision must elect to use the CECL transition provision in the first Call Report or FR Y-9C that includes CECL filed by the Board-regulated institution after it adopts CECL., (3) A Board-regulated institution that does not elect to use the CECL transition provision as of the first Call Report or FR Y-9C that includes CECL filed as described in paragraph (a)(2) of this section may not elect to use the CECL transition provision in subsequent reporting periods., (b) Definitions. For purposes of this section, the following definitions apply:, (1) Transition period means the three-year period beginning the first day of the fiscal year in which a Board-regulated institution adopts CECL and reflects CECL in its first Call Report or FR Y-9C filed after that date; or, for the 2020 CECL transition provision under paragraph (d) of this section, the five-year period beginning on the earlier of the date a Board-regulated institution was required to adopt CECL for accounting purposes under GAAP (as in effect January 1, 2020), or the first day of the fiscal year that begins during the 2020 calendar year in which the Board-regulated institution files regulatory reports that include CECL., (2) CECL transitional amount means the difference net of any DTAs, in the amount of a Board-regulated institution's retained earnings as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL from the amount of the Board-regulated institution's retained earnings as of the closing of the fiscal year-end immediately prior to the Board-regulated institution's adoption of CECL., (3) DTA transitional amount means the difference in the amount of a Board-regulated institution's DTAs arising from temporary differences as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL from the amount of the Board-regulated institution's DTAs arising from temporary differences as of the closing of the fiscal year-end immediately prior to the Board-regulated institution's adoption of CECL., (4) AACL transitional amount means the difference in the amount of a Board-regulated institution's AACL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL and the amount of the Board-regulated institution's ALLL as of the closing of the fiscal year-end immediately prior to the Board-regulated institution's adoption of CECL., (5) Eligible credit reserves transitional amount means the difference in the amount of a Board-regulated institution's eligible credit reserves as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL from the amount of the Board-regulated institution's eligible credit reserves as of the closing of the fiscal year-end immediately prior to the Board-regulated institution's adoption of CECL., (c) Calculation of the three-year CECL transition provision. (1) For purposes of the election described in paragraph (a)(1) of this section and except as provided in paragraph (d) of this section, a Board-regulated institution must make the following adjustments in its calculation of regulatory capital ratios:, (i) Increase retained earnings by seventy-five percent of its CECL transitional amount during the first year of the transition period, increase retained earnings by fifty percent of its CECL transitional amount during the second year of the transition period, and increase retained earnings by twenty-five percent of its CECL transitional amount during the third year of the transition period;, (ii) Decrease amounts of DTAs arising from temporary differences by seventy-five percent of its DTA transitional amount during the first year of the transition period, decrease amounts of DTAs arising from temporary differences by fifty percent of its DTA transitional amount during the second year of the transition period, and decrease amounts of DTAs arising from temporary differences by twenty-five percent of its DTA transitional amount during the third year of the transition period;, (iii) Decrease amounts of AACL by seventy-five percent of its AACL transitional amount during the first year of the transition period, decrease amounts of AACL by fifty percent of its AACL transitional amount during the second year of the transition period, and decrease amounts of AACL by twenty-five percent of its AACL transitional amount during the third year of the transition period; and, (iv) Increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by seventy-five percent of its CECL transitional amount during the first year of the transition period, increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by fifty percent of its CECL transitional amount during the second year of the transition period, and increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by twenty-five percent of its CECL transitional amount during the third year of the transition period., (2) For purposes of the election described in paragraph (a)(1) of this section, an advanced approaches or Category III Board-regulated institution must make the following additional adjustments to its calculation of its applicable regulatory capital ratios:, (i) Increase total leverage exposure for purposes of the supplementary leverage ratio by seventy-five percent of its CECL transitional amount during the first year of the transition period, increase total leverage exposure for purposes of the supplementary leverage ratio by fifty percent of its CECL transitional amount during the second year of the transition period, and increase total leverage exposure for purposes of the supplementary leverage ratio by twenty-five percent of its CECL transitional amount during the third year of the transition period; and, (ii) An advanced approaches Board-regulated institution that has completed the parallel run process and that has received notification from the Board pursuant to \u00a7 217.121(d) must decrease amounts of eligible credit reserves by seventy-five percent of its eligible credit reserves transitional amount during the first year of the transition period, decrease amounts of eligible credit reserves by fifty percent of its eligible credit reserves transitional amount during the second year of the transition provision, and decrease amounts of eligible credit reserves by twenty-five percent of its eligible credit reserves transitional amount during the third year of the transition period., (d) 2020 CECL transition provision. Notwithstanding paragraph (a) of this section, a Board-regulated institution that adopts CECL for accounting purposes under GAAP as of the first day of a fiscal year that begins during the 2020 calendar year may elect to use the transitional amounts and modified transitional amounts in paragraph (d)(1) of this section with the 2020 CECL transition provision calculation in paragraph (d)(2) of this section to adjust its calculation of regulatory capital ratios during each quarter of the transition period in which a Board-regulated institution uses CECL for purposes of its Call Report or FR Y-9C. A Board-regulated institution may use the transition provision in this paragraph (d) if it has a positive modified CECL transitional amount during any quarter ending in 2020, and makes the election in the Call Report or FR Y-9C filed for the same quarter. A Board-regulated institution that does not calculate a positive modified CECL transitional amount in any quarter is not required to apply the adjustments in its calculation of regulatory capital ratios in paragraph (d)(2) of this section in that quarter., (1) Definitions. For purposes of the 2020 CECL transition provision calculation in paragraph (d)(2) of this section, the following definitions apply:, (i) Modified CECL transitional amount means:, (A) During the first two years of the transition period, the difference between AACL as reported in the most recent Call Report or FR Y-9C, and the AACL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL, multiplied by 0.25, plus the CECL transitional amount; and, (B) During the last three years of the transition period, the difference between AACL as reported in the Call Report or Y-9C at the end of the second year of the transition period and the AACL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL, multiplied by 0.25, plus the CECL transitional amount., (ii) Modified AACL transitional amount means:, (A) During the first two years of the transition period, the difference between AACL as reported in the most recent Call Report or FR Y-9C, and the AACL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL, multiplied by 0.25, plus the AACL transitional amount; and, (B) During the last three years of the transition period, the difference between AACL as reported in the Call Report or FR Y-9C at the end of the second year of the transition period and the AACL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL, multiplied by 0.25, plus the AACL transitional amount., (2) Calculation of 2020 CECL transition provision. (i) A Board-regulated institution that has elected the 2020 CECL transition provision described in this paragraph (d) may make the following adjustments in its calculation of regulatory capital ratios:, (A) Increase retained earnings by one-hundred percent of its modified CECL transitional amount during the first year of the transition period, increase retained earnings by one hundred percent of its modified CECL transitional amount during the second year of the transition period, increase retained earnings by seventy-five percent of its modified CECL transitional amount during the third year of the transition period, increase retained earnings by fifty percent of its modified CECL transitional amount during the fourth year of the transition period, and increase retained earnings by twenty-five percent of its modified CECL transitional amount during the fifth year of the transition period;, (B) Decrease amounts of DTAs arising from temporary differences by one-hundred percent of its DTA transitional amount during the first year of the transition period, decrease amounts of DTAs arising from temporary differences by one hundred percent of its DTA transitional amount during the second year of the transition period, decrease amounts of DTAs arising from temporary differences by seventy-five percent of its DTA transitional amount during the third year of the transition period, decrease amounts of DTAs arising from temporary differences by fifty percent of its DTA transitional amount during the fourth year of the transition period, and decrease amounts of DTAs arising from temporary differences by twenty-five percent of its DTA transitional amount during the fifth year of the transition period;, (C) Decrease amounts of AACL by one-hundred percent of its modified AACL transitional amount during the first year of the transition period, decrease amounts of AACL by one hundred percent of its modified AACL transitional amount during the second year of the transition period, decrease amounts of AACL by seventy-five percent of its modified AACL transitional amount during the third year of the transition period, decrease amounts of AACL by fifty percent of its AACL transitional amount during the fourth year of the transition period, and decrease amounts of AACL by twenty-five percent of its AACL transitional amount during the fifth year of the transition period; and, (D) Increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by one-hundred percent of its modified CECL transitional amount during the first year of the transition period, increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by one hundred percent of its modified CECL transitional amount during the second year of the transition period, increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by seventy-five percent of its modified CECL transitional amount during the third year of the transition period, increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by fifty percent of its modified CECL transitional amount during the fourth year of the transition period, and increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by twenty-five percent of its modified CECL transitional amount during the fifth year of the transition period., (ii) An advanced approaches or Category III Board-regulated institution that has elected the 2020 CECL transition provision described in this paragraph (d) may make the following additional adjustments to its calculation of its applicable regulatory capital ratios:, (A) Increase total leverage exposure for purposes of the supplementary leverage ratio by one-hundred percent of its modified CECL transitional amount during the first year of the transition period, increase total leverage exposure for purposes of the supplementary leverage ratio by one hundred percent of its modified CECL transitional amount during the second year of the transition period, increase total leverage exposure for purposes of the supplementary leverage ratio by seventy-five percent of its modified CECL transitional amount during the third year of the transition period, increase total leverage exposure for purposes of the supplementary leverage ratio by fifty percent of its modified CECL transitional amount during the fourth year of the transition period, and increase total leverage exposure for purposes of the supplementary leverage ratio by twenty-five percent of its modified CECL transitional amount during the fifth year of the transition period; and, (B) An advanced approaches Board-regulated institution that has completed the parallel run process and that has received notification from the Board pursuant to \u00a7 217.121(d) must decrease amounts of eligible credit reserves by one-hundred percent of its eligible credit reserves transitional amount during the first year of the transition period, decrease amounts of eligible credit reserves by one hundred percent of its eligible credit reserves transitional amount during the second year of the transition period, decrease amounts of eligible credit reserves by seventy-five percent of its eligible credit reserves transitional amount during the third year of the transition period, decrease amounts of eligible credit reserves by fifty percent of its eligible credit reserves transitional amount during the fourth year of the transition period, and decrease amounts of eligible credit reserves by twenty-five percent of its eligible credit reserves transitional amount during the fifth year of the transition period., (e) Eligible credit reserves shortfall. An advanced approaches Board-regulated institution that has completed the parallel run process and that has received notification from the Board pursuant to \u00a7 217.121(d), whose amount of expected credit loss exceeded its eligible credit reserves immediately prior to the adoption of CECL, and that has an increase in common equity tier 1 capital as of the beginning of the fiscal year in which it adopts CECL after including the first year portion of the CECL transitional amount (or modified CECL transitional amount) must decrease its CECL transitional amount used in paragraph (c) of this section (or modified CECL transitional amount used in paragraph (d) of this section) by the full amount of its DTA transitional amount., (f) Business combinations. Notwithstanding any other requirement in this section, for purposes of this paragraph (f), in the event of a business combination involving a Board-regulated institution where one or both Board-regulated institutions have elected the treatment described in this section:, (1) If the acquirer Board-regulated institution (as determined under GAAP) elected the treatment described in this section, the acquirer Board-regulated institution must continue to use the transitional amounts (unaffected by the business combination) that it calculated as of the date that it adopted CECL through the end of its transition period., (2) If the acquired company (as determined under GAAP) elected the treatment described in this section, any transitional amount of the acquired company does not transfer to the resulting Board-regulated institution.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["217"],"part_title":["PART 217 - CAPITAL ADEQUACY OF BANK HOLDING COMPANIES, SAVINGS AND LOAN HOLDING COMPANIES, AND STATE MEMBER BANKS (REGULATION Q)"],"section":["217.301"],"section_title":["\u00a7 217.301 Current expected credit losses (CECL) transition."]},"_input_hash":-925272908,"_task_hash":-2122570553,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711823443,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) CECL transition provision. (1) Except as provided in paragraph (d) of this section, a Board-regulated institution may elect to use a CECL transition provision pursuant to this section only if the Board-regulated institution records a reduction in retained earnings due to the adoption of CECL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL., (2) Except as provided in paragraph (d) of this section, a Board-regulated institution that elects to use the CECL transition provision must elect to use the CECL transition provision in the first Call Report or FR Y-9C that includes CECL filed by the Board-regulated institution after it adopts CECL., (3) A Board-regulated institution that does not elect to use the CECL transition provision as of the first Call Report or FR Y-9C that includes CECL filed as described in paragraph (a)(2) of this section may not elect to use the CECL transition provision in subsequent reporting periods., (b) Definitions. For purposes of this section, the following definitions apply:, (1) Transition period means the three-year period beginning the first day of the fiscal year in which a Board-regulated institution adopts CECL and reflects CECL in its first Call Report or FR Y-9C filed after that date; or, for the 2020 CECL transition provision under paragraph (d) of this section, the five-year period beginning on the earlier of the date a Board-regulated institution was required to adopt CECL for accounting purposes under GAAP (as in effect January 1, 2020), or the first day of the fiscal year that begins during the 2020 calendar year in which the Board-regulated institution files regulatory reports that include CECL., (2) CECL transitional amount means the difference net of any DTAs, in the amount of a Board-regulated institution's retained earnings as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL from the amount of the Board-regulated institution's retained earnings as of the closing of the fiscal year-end immediately prior to the Board-regulated institution's adoption of CECL., (3) DTA transitional amount means the difference in the amount of a Board-regulated institution's DTAs arising from temporary differences as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL from the amount of the Board-regulated institution's DTAs arising from temporary differences as of the closing of the fiscal year-end immediately prior to the Board-regulated institution's adoption of CECL., (4) AACL transitional amount means the difference in the amount of a Board-regulated institution's AACL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL and the amount of the Board-regulated institution's ALLL as of the closing of the fiscal year-end immediately prior to the Board-regulated institution's adoption of CECL., (5) Eligible credit reserves transitional amount means the difference in the amount of a Board-regulated institution's eligible credit reserves as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL from the amount of the Board-regulated institution's eligible credit reserves as of the closing of the fiscal year-end immediately prior to the Board-regulated institution's adoption of CECL., (c) Calculation of the three-year CECL transition provision. (1) For purposes of the election described in paragraph (a)(1) of this section and except as provided in paragraph (d) of this section, a Board-regulated institution must make the following adjustments in its calculation of regulatory capital ratios:, (i) Increase retained earnings by seventy-five percent of its CECL transitional amount during the first year of the transition period, increase retained earnings by fifty percent of its CECL transitional amount during the second year of the transition period, and increase retained earnings by twenty-five percent of its CECL transitional amount during the third year of the transition period;, (ii) Decrease amounts of DTAs arising from temporary differences by seventy-five percent of its DTA transitional amount during the first year of the transition period, decrease amounts of DTAs arising from temporary differences by fifty percent of its DTA transitional amount during the second year of the transition period, and decrease amounts of DTAs arising from temporary differences by twenty-five percent of its DTA transitional amount during the third year of the transition period;, (iii) Decrease amounts of AACL by seventy-five percent of its AACL transitional amount during the first year of the transition period, decrease amounts of AACL by fifty percent of its AACL transitional amount during the second year of the transition period, and decrease amounts of AACL by twenty-five percent of its AACL transitional amount during the third year of the transition period; and, (iv) Increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by seventy-five percent of its CECL transitional amount during the first year of the transition period, increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by fifty percent of its CECL transitional amount during the second year of the transition period, and increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by twenty-five percent of its CECL transitional amount during the third year of the transition period., (2) For purposes of the election described in paragraph (a)(1) of this section, an advanced approaches or Category III Board-regulated institution must make the following additional adjustments to its calculation of its applicable regulatory capital ratios:, (i) Increase total leverage exposure for purposes of the supplementary leverage ratio by seventy-five percent of its CECL transitional amount during the first year of the transition period, increase total leverage exposure for purposes of the supplementary leverage ratio by fifty percent of its CECL transitional amount during the second year of the transition period, and increase total leverage exposure for purposes of the supplementary leverage ratio by twenty-five percent of its CECL transitional amount during the third year of the transition period; and, (ii) An advanced approaches Board-regulated institution that has completed the parallel run process and that has received notification from the Board pursuant to \u00a7 217.121(d) must decrease amounts of eligible credit reserves by seventy-five percent of its eligible credit reserves transitional amount during the first year of the transition period, decrease amounts of eligible credit reserves by fifty percent of its eligible credit reserves transitional amount during the second year of the transition provision, and decrease amounts of eligible credit reserves by twenty-five percent of its eligible credit reserves transitional amount during the third year of the transition period., (d) 2020 CECL transition provision. Notwithstanding paragraph (a) of this section, a Board-regulated institution that adopts CECL for accounting purposes under GAAP as of the first day of a fiscal year that begins during the 2020 calendar year may elect to use the transitional amounts and modified transitional amounts in paragraph (d)(1) of this section with the 2020 CECL transition provision calculation in paragraph (d)(2) of this section to adjust its calculation of regulatory capital ratios during each quarter of the transition period in which a Board-regulated institution uses CECL for purposes of its Call Report or FR Y-9C. A Board-regulated institution may use the transition provision in this paragraph (d) if it has a positive modified CECL transitional amount during any quarter ending in 2020, and makes the election in the Call Report or FR Y-9C filed for the same quarter. A Board-regulated institution that does not calculate a positive modified CECL transitional amount in any quarter is not required to apply the adjustments in its calculation of regulatory capital ratios in paragraph (d)(2) of this section in that quarter., (1) Definitions. For purposes of the 2020 CECL transition provision calculation in paragraph (d)(2) of this section, the following definitions apply:, (i) Modified CECL transitional amount means:, (A) During the first two years of the transition period, the difference between AACL as reported in the most recent Call Report or FR Y-9C, and the AACL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL, multiplied by 0.25, plus the CECL transitional amount; and, (B) During the last three years of the transition period, the difference between AACL as reported in the Call Report or Y-9C at the end of the second year of the transition period and the AACL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL, multiplied by 0.25, plus the CECL transitional amount., (ii) Modified AACL transitional amount means:, (A) During the first two years of the transition period, the difference between AACL as reported in the most recent Call Report or FR Y-9C, and the AACL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL, multiplied by 0.25, plus the AACL transitional amount; and, (B) During the last three years of the transition period, the difference between AACL as reported in the Call Report or FR Y-9C at the end of the second year of the transition period and the AACL as of the beginning of the fiscal year in which the Board-regulated institution adopts CECL, multiplied by 0.25, plus the AACL transitional amount., (2) Calculation of 2020 CECL transition provision. (i) A Board-regulated institution that has elected the 2020 CECL transition provision described in this paragraph (d) may make the following adjustments in its calculation of regulatory capital ratios:, (A) Increase retained earnings by one-hundred percent of its modified CECL transitional amount during the first year of the transition period, increase retained earnings by one hundred percent of its modified CECL transitional amount during the second year of the transition period, increase retained earnings by seventy-five percent of its modified CECL transitional amount during the third year of the transition period, increase retained earnings by fifty percent of its modified CECL transitional amount during the fourth year of the transition period, and increase retained earnings by twenty-five percent of its modified CECL transitional amount during the fifth year of the transition period;, (B) Decrease amounts of DTAs arising from temporary differences by one-hundred percent of its DTA transitional amount during the first year of the transition period, decrease amounts of DTAs arising from temporary differences by one hundred percent of its DTA transitional amount during the second year of the transition period, decrease amounts of DTAs arising from temporary differences by seventy-five percent of its DTA transitional amount during the third year of the transition period, decrease amounts of DTAs arising from temporary differences by fifty percent of its DTA transitional amount during the fourth year of the transition period, and decrease amounts of DTAs arising from temporary differences by twenty-five percent of its DTA transitional amount during the fifth year of the transition period;, (C) Decrease amounts of AACL by one-hundred percent of its modified AACL transitional amount during the first year of the transition period, decrease amounts of AACL by one hundred percent of its modified AACL transitional amount during the second year of the transition period, decrease amounts of AACL by seventy-five percent of its modified AACL transitional amount during the third year of the transition period, decrease amounts of AACL by fifty percent of its AACL transitional amount during the fourth year of the transition period, and decrease amounts of AACL by twenty-five percent of its AACL transitional amount during the fifth year of the transition period; and, (D) Increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by one-hundred percent of its modified CECL transitional amount during the first year of the transition period, increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by one hundred percent of its modified CECL transitional amount during the second year of the transition period, increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by seventy-five percent of its modified CECL transitional amount during the third year of the transition period, increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by fifty percent of its modified CECL transitional amount during the fourth year of the transition period, and increase average total consolidated assets as reported on the Call Report or FR Y-9C for purposes of the leverage ratio by twenty-five percent of its modified CECL transitional amount during the fifth year of the transition period., (ii) An advanced approaches or Category III Board-regulated institution that has elected the 2020 CECL transition provision described in this paragraph (d) may make the following additional adjustments to its calculation of its applicable regulatory capital ratios:, (A) Increase total leverage exposure for purposes of the supplementary leverage ratio by one-hundred percent of its modified CECL transitional amount during the first year of the transition period, increase total leverage exposure for purposes of the supplementary leverage ratio by one hundred percent of its modified CECL transitional amount during the second year of the transition period, increase total leverage exposure for purposes of the supplementary leverage ratio by seventy-five percent of its modified CECL transitional amount during the third year of the transition period, increase total leverage exposure for purposes of the supplementary leverage ratio by fifty percent of its modified CECL transitional amount during the fourth year of the transition period, and increase total leverage exposure for purposes of the supplementary leverage ratio by twenty-five percent of its modified CECL transitional amount during the fifth year of the transition period; and, (B) An advanced approaches Board-regulated institution that has completed the parallel run process and that has received notification from the Board pursuant to \u00a7 217.121(d) must decrease amounts of eligible credit reserves by one-hundred percent of its eligible credit reserves transitional amount during the first year of the transition period, decrease amounts of eligible credit reserves by one hundred percent of its eligible credit reserves transitional amount during the second year of the transition period, decrease amounts of eligible credit reserves by seventy-five percent of its eligible credit reserves transitional amount during the third year of the transition period, decrease amounts of eligible credit reserves by fifty percent of its eligible credit reserves transitional amount during the fourth year of the transition period, and decrease amounts of eligible credit reserves by twenty-five percent of its eligible credit reserves transitional amount during the fifth year of the transition period., (e) Eligible credit reserves shortfall. An advanced approaches Board-regulated institution that has completed the parallel run process and that has received notification from the Board pursuant to \u00a7 217.121(d), whose amount of expected credit loss exceeded its eligible credit reserves immediately prior to the adoption of CECL, and that has an increase in common equity tier 1 capital as of the beginning of the fiscal year in which it adopts CECL after including the first year portion of the CECL transitional amount (or modified CECL transitional amount) must decrease its CECL transitional amount used in paragraph (c) of this section (or modified CECL transitional amount used in paragraph (d) of this section) by the full amount of its DTA transitional amount., (f) Business combinations. Notwithstanding any other requirement in this section, for purposes of this paragraph (f), in the event of a business combination involving a Board-regulated institution where one or both Board-regulated institutions have elected the treatment described in this section:, (1) If the acquirer Board-regulated institution (as determined under GAAP) elected the treatment described in this section, the acquirer Board-regulated institution must continue to use the transitional amounts (unaffected by the business combination) that it calculated as of the date that it adopted CECL through the end of its transition period., (2) If the acquired company (as determined under GAAP) elected the treatment described in this section, any transitional amount of the acquired company does not transfer to the resulting Board-regulated institution.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["217"],"part_title":["PART 217 - CAPITAL ADEQUACY OF BANK HOLDING COMPANIES, SAVINGS AND LOAN HOLDING COMPANIES, AND STATE MEMBER BANKS (REGULATION Q)"],"section":["217.301"],"section_title":["\u00a7 217.301 Current expected credit losses (CECL) transition."]},"_input_hash":-925272908,"_task_hash":84234362,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711839633,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Purpose. This subpart is issued to assure that all FDIC-supervised institutions as defined in 12 CFR 326.1 establish and maintain procedures reasonably designed to assure and monitor their compliance with the requirements of subchapter II of chapter 53 of title 31, United States Code, and the implementing regulations promulgated thereunder by the Department of Treasury at 31 CFR Chapter X., (b) Compliance procedures - (1) Program requirement. Each institution shall develop and provide for the continued administration of a program reasonably designed to assure and monitor compliance with recordkeeping and reporting requirements set forth in subchapter II of chapter 53 of title 31, United States Code, and the implementing regulations issued by the Department of Treasury at 31 CFR Chapter X. The compliance program shall be written, approved by the institution's board of directors, and noted in the minutes., (2) Customer identification program. Each institution is subject to the requirements of 31 U.S.C. 5318(l) and the implementing regulation jointly promulgated by the FDIC and the Department of the Treasury at 31 CFR 1020.220., (c) Contents of compliance program. The compliance program shall, at a minimum:, (1) Provide for a system of internal controls to assure ongoing compliance;, (2) Provide for independent testing for compliance to be conducted by institution personnel or by an outside party;, (3) Designate an individual or individuals responsible for coordinating and monitoring day-to-day compliance; and, (4) Provide training for appropriate personnel.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["326"],"part_title":["PART 326 - MINIMUM SECURITY DEVICES AND PROCEDURES AND BANK SECRECY ACT \n1\n COMPLIANCE"],"section":["326.8"],"section_title":["\u00a7 326.8 Bank Secrecy Act compliance."]},"_input_hash":-1584244484,"_task_hash":893660129,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844270,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Purpose. This subpart is issued to assure that all FDIC-supervised institutions as defined in 12 CFR 326.1 establish and maintain procedures reasonably designed to assure and monitor their compliance with the requirements of subchapter II of chapter 53 of title 31, United States Code, and the implementing regulations promulgated thereunder by the Department of Treasury at 31 CFR Chapter X., (b) Compliance procedures - (1) Program requirement. Each institution shall develop and provide for the continued administration of a program reasonably designed to assure and monitor compliance with recordkeeping and reporting requirements set forth in subchapter II of chapter 53 of title 31, United States Code, and the implementing regulations issued by the Department of Treasury at 31 CFR Chapter X. The compliance program shall be written, approved by the institution's board of directors, and noted in the minutes., (2) Customer identification program. Each institution is subject to the requirements of 31 U.S.C. 5318(l) and the implementing regulation jointly promulgated by the FDIC and the Department of the Treasury at 31 CFR 1020.220., (c) Contents of compliance program. The compliance program shall, at a minimum:, (1) Provide for a system of internal controls to assure ongoing compliance;, (2) Provide for independent testing for compliance to be conducted by institution personnel or by an outside party;, (3) Designate an individual or individuals responsible for coordinating and monitoring day-to-day compliance; and, (4) Provide training for appropriate personnel.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["326"],"part_title":["PART 326 - MINIMUM SECURITY DEVICES AND PROCEDURES AND BANK SECRECY ACT \n1\n COMPLIANCE"],"section":["326.8"],"section_title":["\u00a7 326.8 Bank Secrecy Act compliance."]},"_input_hash":-1584244484,"_task_hash":893660129,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815325,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Purpose. This subpart is issued to assure that all FDIC-supervised institutions as defined in 12 CFR 326.1 establish and maintain procedures reasonably designed to assure and monitor their compliance with the requirements of subchapter II of chapter 53 of title 31, United States Code, and the implementing regulations promulgated thereunder by the Department of Treasury at 31 CFR Chapter X., (b) Compliance procedures - (1) Program requirement. Each institution shall develop and provide for the continued administration of a program reasonably designed to assure and monitor compliance with recordkeeping and reporting requirements set forth in subchapter II of chapter 53 of title 31, United States Code, and the implementing regulations issued by the Department of Treasury at 31 CFR Chapter X. The compliance program shall be written, approved by the institution's board of directors, and noted in the minutes., (2) Customer identification program. Each institution is subject to the requirements of 31 U.S.C. 5318(l) and the implementing regulation jointly promulgated by the FDIC and the Department of the Treasury at 31 CFR 1020.220., (c) Contents of compliance program. The compliance program shall, at a minimum:, (1) Provide for a system of internal controls to assure ongoing compliance;, (2) Provide for independent testing for compliance to be conducted by institution personnel or by an outside party;, (3) Designate an individual or individuals responsible for coordinating and monitoring day-to-day compliance; and, (4) Provide training for appropriate personnel.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["326"],"part_title":["PART 326 - MINIMUM SECURITY DEVICES AND PROCEDURES AND BANK SECRECY ACT \n1\n COMPLIANCE"],"section":["326.8"],"section_title":["\u00a7 326.8 Bank Secrecy Act compliance."]},"_input_hash":-1584244484,"_task_hash":-529959148,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830229,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Anticoercion and antitying rules. You may not engage in any practice that would lead a consumer to believe that an extension of credit, in violation of section 106(b) of the Bank Holding Company Act Amendments of 1970 (12 U.S.C. 1972), is conditional upon either: , (1) The purchase of an insurance product or annuity from the bank or any of its affiliates; or, (2) An agreement by the consumer not to obtain, or a prohibition on the consumer from obtaining, an insurance product or annuity from an unaffiliated entity. , (b) Prohibition on misrepresentations generally. You may not engage in any practice or use any advertisement at any office of, or on behalf of, the bank or a subsidiary of the bank that could mislead any person or otherwise cause a reasonable person to reach an erroneous belief with respect to: , (1) The fact that an insurance product or annuity sold or offered for sale by you or any subsidiary of the bank is not backed by the Federal government or the bank or the fact that the insurance product or annuity is not insured by the Federal Deposit Insurance Corporation; , (2) In the case of an insurance product or annuity that involves investment risk, the fact that there is an investment risk, including the potential that principal may be lost and that the product may decline in value; or, (3) In the case of a bank or subsidiary of the bank at which insurance products or annuities are sold or offered for sale, the fact that: , (i) The approval of an extension of credit to a consumer by the bank or subsidiary may not be conditioned on the purchase of an insurance product or annuity by the consumer from the bank or a subsidiary of the bank; and, (ii) The consumer is free to purchase the insurance product or annuity from another source. , (c) Prohibition on domestic violence discrimination. You may not sell or offer for sale, as principal, agent, or broker, any life or health insurance product if the status of the applicant or insured as a victim of domestic violence or as a provider of services to victims of domestic violence is considered as a criterion in any decision with regard to insurance underwriting, pricing, renewal, or scope of coverage of such product, or with regard to the payment of insurance claims on such product, except as required or expressly permitted under State law. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["208"],"part_title":["PART 208 - MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H)"],"section":["208.83"],"section_title":["\u00a7 208.83 Prohibited practices."]},"_input_hash":-1558607955,"_task_hash":-684447700,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844271,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Anticoercion and antitying rules. You may not engage in any practice that would lead a consumer to believe that an extension of credit, in violation of section 106(b) of the Bank Holding Company Act Amendments of 1970 (12 U.S.C. 1972), is conditional upon either: , (1) The purchase of an insurance product or annuity from the bank or any of its affiliates; or, (2) An agreement by the consumer not to obtain, or a prohibition on the consumer from obtaining, an insurance product or annuity from an unaffiliated entity. , (b) Prohibition on misrepresentations generally. You may not engage in any practice or use any advertisement at any office of, or on behalf of, the bank or a subsidiary of the bank that could mislead any person or otherwise cause a reasonable person to reach an erroneous belief with respect to: , (1) The fact that an insurance product or annuity sold or offered for sale by you or any subsidiary of the bank is not backed by the Federal government or the bank or the fact that the insurance product or annuity is not insured by the Federal Deposit Insurance Corporation; , (2) In the case of an insurance product or annuity that involves investment risk, the fact that there is an investment risk, including the potential that principal may be lost and that the product may decline in value; or, (3) In the case of a bank or subsidiary of the bank at which insurance products or annuities are sold or offered for sale, the fact that: , (i) The approval of an extension of credit to a consumer by the bank or subsidiary may not be conditioned on the purchase of an insurance product or annuity by the consumer from the bank or a subsidiary of the bank; and, (ii) The consumer is free to purchase the insurance product or annuity from another source. , (c) Prohibition on domestic violence discrimination. You may not sell or offer for sale, as principal, agent, or broker, any life or health insurance product if the status of the applicant or insured as a victim of domestic violence or as a provider of services to victims of domestic violence is considered as a criterion in any decision with regard to insurance underwriting, pricing, renewal, or scope of coverage of such product, or with regard to the payment of insurance claims on such product, except as required or expressly permitted under State law. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["208"],"part_title":["PART 208 - MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H)"],"section":["208.83"],"section_title":["\u00a7 208.83 Prohibited practices."]},"_input_hash":-1558607955,"_task_hash":-684447700,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815364,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Anticoercion and antitying rules. You may not engage in any practice that would lead a consumer to believe that an extension of credit, in violation of section 106(b) of the Bank Holding Company Act Amendments of 1970 (12 U.S.C. 1972), is conditional upon either: , (1) The purchase of an insurance product or annuity from the bank or any of its affiliates; or, (2) An agreement by the consumer not to obtain, or a prohibition on the consumer from obtaining, an insurance product or annuity from an unaffiliated entity. , (b) Prohibition on misrepresentations generally. You may not engage in any practice or use any advertisement at any office of, or on behalf of, the bank or a subsidiary of the bank that could mislead any person or otherwise cause a reasonable person to reach an erroneous belief with respect to: , (1) The fact that an insurance product or annuity sold or offered for sale by you or any subsidiary of the bank is not backed by the Federal government or the bank or the fact that the insurance product or annuity is not insured by the Federal Deposit Insurance Corporation; , (2) In the case of an insurance product or annuity that involves investment risk, the fact that there is an investment risk, including the potential that principal may be lost and that the product may decline in value; or, (3) In the case of a bank or subsidiary of the bank at which insurance products or annuities are sold or offered for sale, the fact that: , (i) The approval of an extension of credit to a consumer by the bank or subsidiary may not be conditioned on the purchase of an insurance product or annuity by the consumer from the bank or a subsidiary of the bank; and, (ii) The consumer is free to purchase the insurance product or annuity from another source. , (c) Prohibition on domestic violence discrimination. You may not sell or offer for sale, as principal, agent, or broker, any life or health insurance product if the status of the applicant or insured as a victim of domestic violence or as a provider of services to victims of domestic violence is considered as a criterion in any decision with regard to insurance underwriting, pricing, renewal, or scope of coverage of such product, or with regard to the payment of insurance claims on such product, except as required or expressly permitted under State law. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["208"],"part_title":["PART 208 - MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H)"],"section":["208.83"],"section_title":["\u00a7 208.83 Prohibited practices."]},"_input_hash":-1558607955,"_task_hash":-830124408,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830230,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Request for a hearing. (1) Time-period for submission. An employee who requests a hearing on the existence or amount of the debt held by FHFA or on the salary-offset schedule proposed by FHFA, must send a written request to FHFA. The request for a hearing must be received by FHFA on or before the 30th calendar day following receipt by the employee of the Notice of Intent., (2) Failure to submit timely. If the employee files a request for a hearing after the expiration of the 30th calendar day, the employee shall not be entitled to a hearing. However, FHFA may accept the request if the employee can show that the delay was the result of circumstances beyond his or her control or that he or she failed to receive actual notice of the filing deadline., (3) Contents of request. The request for a hearing must be signed by the employee and must fully identify and explain with reasonable specificity all the facts, evidence, and witnesses, if any, that the employee believes support his or her position. The employee must also specify whether he or she requests an oral hearing. If an oral hearing is requested, the employee should explain why a hearing by examination of the documents without an oral hearing would not resolve the matter., (4) Failure to request a hearing. The failure of an employee to request a hearing will be considered an admission by the employee that the debt exists in the amount specified in the Notice of Intent that was provided to the employee under \u00a7 1208.21(b)., (b) Obtaining the services of a hearing official - (1) Debtor is not an FHFA employee. When the debtor is not an FHFA employee and FHFA cannot provide a prompt and appropriate hearing before an administrative law judge or other hearing official, FHFA may request a hearing official from an agent of the paying agency, as designated in 5 CFR part 581, appendix A, or as otherwise designated by the paying agency. The paying agency must cooperate with FHFA to provide a hearing official, as required by the FCCS., (2) Debtor is an FHFA employee. When the debtor is an FHFA employee, FHFA may contact any agent of another agency, as designated in 5 CFR part 581, appendix A, or as otherwise designated by the agency, to request a hearing official., (c) Procedure - (1) Notice of hearing. After the employee requests a hearing, the hearing official shall notify the employee of the form of the hearing to be provided. If the hearing will be oral, the notice shall set forth the date, time, and location of the hearing, which must occur no more than 30 calendar days after the request is received, unless the employee requests that the hearing be delayed. If the hearing will be conducted by an examination of documents, the employee shall be notified within 30 calendar days that he or she should submit evidence and arguments in writing to the hearing official within 30 calendar days., (2) Oral hearing. (i) An employee who requests an oral hearing shall be provided an oral hearing if the hearing official determines that the matter cannot be resolved by an examination of the documents alone, as for example, when an issue of credibility or veracity is involved. The oral hearing need not be an adversarial adjudication; and rules of evidence need not apply. Witnesses who testify in an oral hearing shall do so under oath or affirmation., (ii) Oral hearings may take the form of, but are not limited to:, (A) Informal conferences with the hearing official in which the employee and agency representative are given full opportunity to present evidence, witnesses, and argument;, (B) Informal meetings in which the hearing examiner interviews the employee; or, (C) Formal written submissions followed by an opportunity for oral presentation., (3) Hearing by examination of documents. If the hearing official determines that an oral hearing is not necessary, he or she shall make the determination based upon an examination of the documents., (d) Record. The hearing official shall maintain a summary record of any hearing conducted under this section., (e) Decision. (1) The hearing official shall issue a written opinion stating his or her decision, based upon all evidence and information developed during the hearing, as soon as practicable after the hearing, but not later than 60 calendar days after the date on which the request was received by FHFA, unless the hearing was delayed at the request of the employee, in which case the 60-day decision period shall be extended by the number of days by which the hearing was postponed., (2) The decision of the hearing official shall be final and is considered to be an official certification regarding the existence and the amount of the debt for purposes of executing salary offset under 5 U.S.C. 5514. If the hearing official determines that a debt may not be collected by salary offset, but FHFA finds that the debt is still valid, FHFA may seek collection of the debt through other means in accordance with applicable law and regulations., (f) Content of decision. The written decision shall include:, (1) A summary of the facts concerning the origin, nature, and amount of the debt;, (2) The hearing official's findings, analysis, and conclusions; and, (3) The terms of any repayment schedules, if applicable., (g) Failure to appear. If, in the absence of good cause shown, such as illness, the employee or the representative of FHFA fails to appear, the hearing official shall proceed with the hearing as scheduled, and make his or her decision based upon the oral testimony presented and the documentation submitted by both parties. At the request of both parties, the hearing official may schedule a new hearing date. Both parties shall be given reasonable notice of the time and place of the new hearing.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1208"],"part_title":["PART 1208 - DEBT COLLECTION"],"section":["1208.23"],"section_title":["\u00a7 1208.23 Opportunity for a hearing where FHFA is the creditor agency."]},"_input_hash":-784148372,"_task_hash":1251235227,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844273,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Request for a hearing. (1) Time-period for submission. An employee who requests a hearing on the existence or amount of the debt held by FHFA or on the salary-offset schedule proposed by FHFA, must send a written request to FHFA. The request for a hearing must be received by FHFA on or before the 30th calendar day following receipt by the employee of the Notice of Intent., (2) Failure to submit timely. If the employee files a request for a hearing after the expiration of the 30th calendar day, the employee shall not be entitled to a hearing. However, FHFA may accept the request if the employee can show that the delay was the result of circumstances beyond his or her control or that he or she failed to receive actual notice of the filing deadline., (3) Contents of request. The request for a hearing must be signed by the employee and must fully identify and explain with reasonable specificity all the facts, evidence, and witnesses, if any, that the employee believes support his or her position. The employee must also specify whether he or she requests an oral hearing. If an oral hearing is requested, the employee should explain why a hearing by examination of the documents without an oral hearing would not resolve the matter., (4) Failure to request a hearing. The failure of an employee to request a hearing will be considered an admission by the employee that the debt exists in the amount specified in the Notice of Intent that was provided to the employee under \u00a7 1208.21(b)., (b) Obtaining the services of a hearing official - (1) Debtor is not an FHFA employee. When the debtor is not an FHFA employee and FHFA cannot provide a prompt and appropriate hearing before an administrative law judge or other hearing official, FHFA may request a hearing official from an agent of the paying agency, as designated in 5 CFR part 581, appendix A, or as otherwise designated by the paying agency. The paying agency must cooperate with FHFA to provide a hearing official, as required by the FCCS., (2) Debtor is an FHFA employee. When the debtor is an FHFA employee, FHFA may contact any agent of another agency, as designated in 5 CFR part 581, appendix A, or as otherwise designated by the agency, to request a hearing official., (c) Procedure - (1) Notice of hearing. After the employee requests a hearing, the hearing official shall notify the employee of the form of the hearing to be provided. If the hearing will be oral, the notice shall set forth the date, time, and location of the hearing, which must occur no more than 30 calendar days after the request is received, unless the employee requests that the hearing be delayed. If the hearing will be conducted by an examination of documents, the employee shall be notified within 30 calendar days that he or she should submit evidence and arguments in writing to the hearing official within 30 calendar days., (2) Oral hearing. (i) An employee who requests an oral hearing shall be provided an oral hearing if the hearing official determines that the matter cannot be resolved by an examination of the documents alone, as for example, when an issue of credibility or veracity is involved. The oral hearing need not be an adversarial adjudication; and rules of evidence need not apply. Witnesses who testify in an oral hearing shall do so under oath or affirmation., (ii) Oral hearings may take the form of, but are not limited to:, (A) Informal conferences with the hearing official in which the employee and agency representative are given full opportunity to present evidence, witnesses, and argument;, (B) Informal meetings in which the hearing examiner interviews the employee; or, (C) Formal written submissions followed by an opportunity for oral presentation., (3) Hearing by examination of documents. If the hearing official determines that an oral hearing is not necessary, he or she shall make the determination based upon an examination of the documents., (d) Record. The hearing official shall maintain a summary record of any hearing conducted under this section., (e) Decision. (1) The hearing official shall issue a written opinion stating his or her decision, based upon all evidence and information developed during the hearing, as soon as practicable after the hearing, but not later than 60 calendar days after the date on which the request was received by FHFA, unless the hearing was delayed at the request of the employee, in which case the 60-day decision period shall be extended by the number of days by which the hearing was postponed., (2) The decision of the hearing official shall be final and is considered to be an official certification regarding the existence and the amount of the debt for purposes of executing salary offset under 5 U.S.C. 5514. If the hearing official determines that a debt may not be collected by salary offset, but FHFA finds that the debt is still valid, FHFA may seek collection of the debt through other means in accordance with applicable law and regulations., (f) Content of decision. The written decision shall include:, (1) A summary of the facts concerning the origin, nature, and amount of the debt;, (2) The hearing official's findings, analysis, and conclusions; and, (3) The terms of any repayment schedules, if applicable., (g) Failure to appear. If, in the absence of good cause shown, such as illness, the employee or the representative of FHFA fails to appear, the hearing official shall proceed with the hearing as scheduled, and make his or her decision based upon the oral testimony presented and the documentation submitted by both parties. At the request of both parties, the hearing official may schedule a new hearing date. Both parties shall be given reasonable notice of the time and place of the new hearing.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1208"],"part_title":["PART 1208 - DEBT COLLECTION"],"section":["1208.23"],"section_title":["\u00a7 1208.23 Opportunity for a hearing where FHFA is the creditor agency."]},"_input_hash":-784148372,"_task_hash":1251235227,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815375,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Request for a hearing. (1) Time-period for submission. An employee who requests a hearing on the existence or amount of the debt held by FHFA or on the salary-offset schedule proposed by FHFA, must send a written request to FHFA. The request for a hearing must be received by FHFA on or before the 30th calendar day following receipt by the employee of the Notice of Intent., (2) Failure to submit timely. If the employee files a request for a hearing after the expiration of the 30th calendar day, the employee shall not be entitled to a hearing. However, FHFA may accept the request if the employee can show that the delay was the result of circumstances beyond his or her control or that he or she failed to receive actual notice of the filing deadline., (3) Contents of request. The request for a hearing must be signed by the employee and must fully identify and explain with reasonable specificity all the facts, evidence, and witnesses, if any, that the employee believes support his or her position. The employee must also specify whether he or she requests an oral hearing. If an oral hearing is requested, the employee should explain why a hearing by examination of the documents without an oral hearing would not resolve the matter., (4) Failure to request a hearing. The failure of an employee to request a hearing will be considered an admission by the employee that the debt exists in the amount specified in the Notice of Intent that was provided to the employee under \u00a7 1208.21(b)., (b) Obtaining the services of a hearing official - (1) Debtor is not an FHFA employee. When the debtor is not an FHFA employee and FHFA cannot provide a prompt and appropriate hearing before an administrative law judge or other hearing official, FHFA may request a hearing official from an agent of the paying agency, as designated in 5 CFR part 581, appendix A, or as otherwise designated by the paying agency. The paying agency must cooperate with FHFA to provide a hearing official, as required by the FCCS., (2) Debtor is an FHFA employee. When the debtor is an FHFA employee, FHFA may contact any agent of another agency, as designated in 5 CFR part 581, appendix A, or as otherwise designated by the agency, to request a hearing official., (c) Procedure - (1) Notice of hearing. After the employee requests a hearing, the hearing official shall notify the employee of the form of the hearing to be provided. If the hearing will be oral, the notice shall set forth the date, time, and location of the hearing, which must occur no more than 30 calendar days after the request is received, unless the employee requests that the hearing be delayed. If the hearing will be conducted by an examination of documents, the employee shall be notified within 30 calendar days that he or she should submit evidence and arguments in writing to the hearing official within 30 calendar days., (2) Oral hearing. (i) An employee who requests an oral hearing shall be provided an oral hearing if the hearing official determines that the matter cannot be resolved by an examination of the documents alone, as for example, when an issue of credibility or veracity is involved. The oral hearing need not be an adversarial adjudication; and rules of evidence need not apply. Witnesses who testify in an oral hearing shall do so under oath or affirmation., (ii) Oral hearings may take the form of, but are not limited to:, (A) Informal conferences with the hearing official in which the employee and agency representative are given full opportunity to present evidence, witnesses, and argument;, (B) Informal meetings in which the hearing examiner interviews the employee; or, (C) Formal written submissions followed by an opportunity for oral presentation., (3) Hearing by examination of documents. If the hearing official determines that an oral hearing is not necessary, he or she shall make the determination based upon an examination of the documents., (d) Record. The hearing official shall maintain a summary record of any hearing conducted under this section., (e) Decision. (1) The hearing official shall issue a written opinion stating his or her decision, based upon all evidence and information developed during the hearing, as soon as practicable after the hearing, but not later than 60 calendar days after the date on which the request was received by FHFA, unless the hearing was delayed at the request of the employee, in which case the 60-day decision period shall be extended by the number of days by which the hearing was postponed., (2) The decision of the hearing official shall be final and is considered to be an official certification regarding the existence and the amount of the debt for purposes of executing salary offset under 5 U.S.C. 5514. If the hearing official determines that a debt may not be collected by salary offset, but FHFA finds that the debt is still valid, FHFA may seek collection of the debt through other means in accordance with applicable law and regulations., (f) Content of decision. The written decision shall include:, (1) A summary of the facts concerning the origin, nature, and amount of the debt;, (2) The hearing official's findings, analysis, and conclusions; and, (3) The terms of any repayment schedules, if applicable., (g) Failure to appear. If, in the absence of good cause shown, such as illness, the employee or the representative of FHFA fails to appear, the hearing official shall proceed with the hearing as scheduled, and make his or her decision based upon the oral testimony presented and the documentation submitted by both parties. At the request of both parties, the hearing official may schedule a new hearing date. Both parties shall be given reasonable notice of the time and place of the new hearing.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1208"],"part_title":["PART 1208 - DEBT COLLECTION"],"section":["1208.23"],"section_title":["\u00a7 1208.23 Opportunity for a hearing where FHFA is the creditor agency."]},"_input_hash":-784148372,"_task_hash":1171753236,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711823564,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) Request for a hearing. (1) Time-period for submission. An employee who requests a hearing on the existence or amount of the debt held by FHFA or on the salary-offset schedule proposed by FHFA, must send a written request to FHFA. The request for a hearing must be received by FHFA on or before the 30th calendar day following receipt by the employee of the Notice of Intent., (2) Failure to submit timely. If the employee files a request for a hearing after the expiration of the 30th calendar day, the employee shall not be entitled to a hearing. However, FHFA may accept the request if the employee can show that the delay was the result of circumstances beyond his or her control or that he or she failed to receive actual notice of the filing deadline., (3) Contents of request. The request for a hearing must be signed by the employee and must fully identify and explain with reasonable specificity all the facts, evidence, and witnesses, if any, that the employee believes support his or her position. The employee must also specify whether he or she requests an oral hearing. If an oral hearing is requested, the employee should explain why a hearing by examination of the documents without an oral hearing would not resolve the matter., (4) Failure to request a hearing. The failure of an employee to request a hearing will be considered an admission by the employee that the debt exists in the amount specified in the Notice of Intent that was provided to the employee under \u00a7 1208.21(b)., (b) Obtaining the services of a hearing official - (1) Debtor is not an FHFA employee. When the debtor is not an FHFA employee and FHFA cannot provide a prompt and appropriate hearing before an administrative law judge or other hearing official, FHFA may request a hearing official from an agent of the paying agency, as designated in 5 CFR part 581, appendix A, or as otherwise designated by the paying agency. The paying agency must cooperate with FHFA to provide a hearing official, as required by the FCCS., (2) Debtor is an FHFA employee. When the debtor is an FHFA employee, FHFA may contact any agent of another agency, as designated in 5 CFR part 581, appendix A, or as otherwise designated by the agency, to request a hearing official., (c) Procedure - (1) Notice of hearing. After the employee requests a hearing, the hearing official shall notify the employee of the form of the hearing to be provided. If the hearing will be oral, the notice shall set forth the date, time, and location of the hearing, which must occur no more than 30 calendar days after the request is received, unless the employee requests that the hearing be delayed. If the hearing will be conducted by an examination of documents, the employee shall be notified within 30 calendar days that he or she should submit evidence and arguments in writing to the hearing official within 30 calendar days., (2) Oral hearing. (i) An employee who requests an oral hearing shall be provided an oral hearing if the hearing official determines that the matter cannot be resolved by an examination of the documents alone, as for example, when an issue of credibility or veracity is involved. The oral hearing need not be an adversarial adjudication; and rules of evidence need not apply. Witnesses who testify in an oral hearing shall do so under oath or affirmation., (ii) Oral hearings may take the form of, but are not limited to:, (A) Informal conferences with the hearing official in which the employee and agency representative are given full opportunity to present evidence, witnesses, and argument;, (B) Informal meetings in which the hearing examiner interviews the employee; or, (C) Formal written submissions followed by an opportunity for oral presentation., (3) Hearing by examination of documents. If the hearing official determines that an oral hearing is not necessary, he or she shall make the determination based upon an examination of the documents., (d) Record. The hearing official shall maintain a summary record of any hearing conducted under this section., (e) Decision. (1) The hearing official shall issue a written opinion stating his or her decision, based upon all evidence and information developed during the hearing, as soon as practicable after the hearing, but not later than 60 calendar days after the date on which the request was received by FHFA, unless the hearing was delayed at the request of the employee, in which case the 60-day decision period shall be extended by the number of days by which the hearing was postponed., (2) The decision of the hearing official shall be final and is considered to be an official certification regarding the existence and the amount of the debt for purposes of executing salary offset under 5 U.S.C. 5514. If the hearing official determines that a debt may not be collected by salary offset, but FHFA finds that the debt is still valid, FHFA may seek collection of the debt through other means in accordance with applicable law and regulations., (f) Content of decision. The written decision shall include:, (1) A summary of the facts concerning the origin, nature, and amount of the debt;, (2) The hearing official's findings, analysis, and conclusions; and, (3) The terms of any repayment schedules, if applicable., (g) Failure to appear. If, in the absence of good cause shown, such as illness, the employee or the representative of FHFA fails to appear, the hearing official shall proceed with the hearing as scheduled, and make his or her decision based upon the oral testimony presented and the documentation submitted by both parties. At the request of both parties, the hearing official may schedule a new hearing date. Both parties shall be given reasonable notice of the time and place of the new hearing.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1208"],"part_title":["PART 1208 - DEBT COLLECTION"],"section":["1208.23"],"section_title":["\u00a7 1208.23 Opportunity for a hearing where FHFA is the creditor agency."]},"_input_hash":-784148372,"_task_hash":415007047,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830232,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Development and publication of criteria. Pursuant to the Foreign Bank Supervision Enhancement Act, Pub. L. 102-242, 105 Stat. 2286 (1991), the Board shall develop and publish criteria to be used in evaluating the operations of any foreign bank in the United States that the Board has determined is not subject to comprehensive consolidated supervision. , (b) Criteria considered by Board. Following a determination by the Board that, having taken into account the standards set forth in \u00a7 211.24(c)(1), a foreign bank is not subject to CCS, the Board shall consider the following criteria in determining whether the foreign bank's U.S. operations should be permitted to continue and, if so, whether any supervisory constraints should be placed upon the bank in connection with those operations: , (1) The proportion of the foreign bank's total assets and total liabilities that are located or booked in its home country, as well as the distribution and location of its assets and liabilities that are located or booked elsewhere;, (2) The extent to which the operations and assets of the foreign bank and any affiliates are subject to supervision by its home country supervisor;, (3) Whether the home country supervisor of such foreign bank is actively working to establish arrangements for comprehensive consolidated supervision of the bank, and whether demonstrable progress is being made;, (4) Whether the foreign bank has effective and reliable systems of internal controls and management information and reporting, which enable its management properly to oversee its worldwide operations;, (5) Whether the foreign bank's home country supervisor has any objection to the bank continuing to operate in the United States;, (6) Whether the foreign bank's home country supervisor and the home country supervisor of any parent of the foreign bank share material information regarding the operations of the foreign bank with other supervisory authorities;, (7) The relationship of the U.S. operations to the other operations of the foreign bank, including whether the foreign bank maintains funds in its U.S. offices that are in excess of amounts due to its U.S. offices from the foreign bank's non-U.S. offices;, (8) The soundness of the foreign bank's overall financial condition;, (9) The managerial resources of the foreign bank, including the competence, experience, and integrity of the officers and directors, and the integrity of its principal shareholders;, (10) The scope and frequency of external audits of the foreign bank;, (11) The operating record of the foreign bank generally and its role in the banking system in its home country;, (12) The foreign bank's record of compliance with relevant laws, as well as the adequacy of its anti-money-laundering controls and procedures, in respect of its worldwide operations;, (13) The operating record of the U.S. offices of the foreign bank;, (14) The views and recommendations of the Comptroller or the relevant state supervisors in those states in which the foreign bank has operations, as appropriate;, (15) Whether the foreign bank, if requested, has provided the Board with adequate assurances that such information will be made available on the operations or activities of the foreign bank and any of its affiliates as the Board deems necessary to determine and enforce compliance with the IBA, the BHC Act, and other U.S. banking statutes; and, (16) Any other information relevant to the safety and soundness of the U.S. operations of the foreign bank., (c) Restrictions on U.S. operations - (1) Terms of agreement. Any foreign bank that the Board determines is not subject to CCS may be required to enter into an agreement to conduct its U.S. operations subject to such restrictions as the Board, having considered the criteria set forth in paragraph (b) of this section, determines to be appropriate in order to ensure the safety and soundness of its U.S. operations., (2) Failure to enter into or comply with agreement. A foreign bank that is required by the Board to enter into an agreement pursuant to paragraph (c)(1) of this section and either fails to do so, or fails to comply with the terms of such agreement, may be subject to:, (i) Enforcement action, in order to ensure safe and sound banking operations, under 12 U.S.C. 1818; or, (ii) Termination or a recommendation for termination of its U.S. operations, under \u00a7 211.25(a) and (e) and section (7)(e) of the IBA (12 U.S.C. 3105(e)).","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["211"],"part_title":["PART 211 - INTERNATIONAL BANKING OPERATIONS (REGULATION K)"],"section":["211.30"],"section_title":["\u00a7 211.30 Criteria for evaluating U.S. operations of foreign banks not subject to consolidated supervision."]},"_input_hash":-1862995932,"_task_hash":658000508,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844276,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Development and publication of criteria. Pursuant to the Foreign Bank Supervision Enhancement Act, Pub. L. 102-242, 105 Stat. 2286 (1991), the Board shall develop and publish criteria to be used in evaluating the operations of any foreign bank in the United States that the Board has determined is not subject to comprehensive consolidated supervision. , (b) Criteria considered by Board. Following a determination by the Board that, having taken into account the standards set forth in \u00a7 211.24(c)(1), a foreign bank is not subject to CCS, the Board shall consider the following criteria in determining whether the foreign bank's U.S. operations should be permitted to continue and, if so, whether any supervisory constraints should be placed upon the bank in connection with those operations: , (1) The proportion of the foreign bank's total assets and total liabilities that are located or booked in its home country, as well as the distribution and location of its assets and liabilities that are located or booked elsewhere;, (2) The extent to which the operations and assets of the foreign bank and any affiliates are subject to supervision by its home country supervisor;, (3) Whether the home country supervisor of such foreign bank is actively working to establish arrangements for comprehensive consolidated supervision of the bank, and whether demonstrable progress is being made;, (4) Whether the foreign bank has effective and reliable systems of internal controls and management information and reporting, which enable its management properly to oversee its worldwide operations;, (5) Whether the foreign bank's home country supervisor has any objection to the bank continuing to operate in the United States;, (6) Whether the foreign bank's home country supervisor and the home country supervisor of any parent of the foreign bank share material information regarding the operations of the foreign bank with other supervisory authorities;, (7) The relationship of the U.S. operations to the other operations of the foreign bank, including whether the foreign bank maintains funds in its U.S. offices that are in excess of amounts due to its U.S. offices from the foreign bank's non-U.S. offices;, (8) The soundness of the foreign bank's overall financial condition;, (9) The managerial resources of the foreign bank, including the competence, experience, and integrity of the officers and directors, and the integrity of its principal shareholders;, (10) The scope and frequency of external audits of the foreign bank;, (11) The operating record of the foreign bank generally and its role in the banking system in its home country;, (12) The foreign bank's record of compliance with relevant laws, as well as the adequacy of its anti-money-laundering controls and procedures, in respect of its worldwide operations;, (13) The operating record of the U.S. offices of the foreign bank;, (14) The views and recommendations of the Comptroller or the relevant state supervisors in those states in which the foreign bank has operations, as appropriate;, (15) Whether the foreign bank, if requested, has provided the Board with adequate assurances that such information will be made available on the operations or activities of the foreign bank and any of its affiliates as the Board deems necessary to determine and enforce compliance with the IBA, the BHC Act, and other U.S. banking statutes; and, (16) Any other information relevant to the safety and soundness of the U.S. operations of the foreign bank., (c) Restrictions on U.S. operations - (1) Terms of agreement. Any foreign bank that the Board determines is not subject to CCS may be required to enter into an agreement to conduct its U.S. operations subject to such restrictions as the Board, having considered the criteria set forth in paragraph (b) of this section, determines to be appropriate in order to ensure the safety and soundness of its U.S. operations., (2) Failure to enter into or comply with agreement. A foreign bank that is required by the Board to enter into an agreement pursuant to paragraph (c)(1) of this section and either fails to do so, or fails to comply with the terms of such agreement, may be subject to:, (i) Enforcement action, in order to ensure safe and sound banking operations, under 12 U.S.C. 1818; or, (ii) Termination or a recommendation for termination of its U.S. operations, under \u00a7 211.25(a) and (e) and section (7)(e) of the IBA (12 U.S.C. 3105(e)).","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["211"],"part_title":["PART 211 - INTERNATIONAL BANKING OPERATIONS (REGULATION K)"],"section":["211.30"],"section_title":["\u00a7 211.30 Criteria for evaluating U.S. operations of foreign banks not subject to consolidated supervision."]},"_input_hash":-1862995932,"_task_hash":658000508,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815393,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Development and publication of criteria. Pursuant to the Foreign Bank Supervision Enhancement Act, Pub. L. 102-242, 105 Stat. 2286 (1991), the Board shall develop and publish criteria to be used in evaluating the operations of any foreign bank in the United States that the Board has determined is not subject to comprehensive consolidated supervision. , (b) Criteria considered by Board. Following a determination by the Board that, having taken into account the standards set forth in \u00a7 211.24(c)(1), a foreign bank is not subject to CCS, the Board shall consider the following criteria in determining whether the foreign bank's U.S. operations should be permitted to continue and, if so, whether any supervisory constraints should be placed upon the bank in connection with those operations: , (1) The proportion of the foreign bank's total assets and total liabilities that are located or booked in its home country, as well as the distribution and location of its assets and liabilities that are located or booked elsewhere;, (2) The extent to which the operations and assets of the foreign bank and any affiliates are subject to supervision by its home country supervisor;, (3) Whether the home country supervisor of such foreign bank is actively working to establish arrangements for comprehensive consolidated supervision of the bank, and whether demonstrable progress is being made;, (4) Whether the foreign bank has effective and reliable systems of internal controls and management information and reporting, which enable its management properly to oversee its worldwide operations;, (5) Whether the foreign bank's home country supervisor has any objection to the bank continuing to operate in the United States;, (6) Whether the foreign bank's home country supervisor and the home country supervisor of any parent of the foreign bank share material information regarding the operations of the foreign bank with other supervisory authorities;, (7) The relationship of the U.S. operations to the other operations of the foreign bank, including whether the foreign bank maintains funds in its U.S. offices that are in excess of amounts due to its U.S. offices from the foreign bank's non-U.S. offices;, (8) The soundness of the foreign bank's overall financial condition;, (9) The managerial resources of the foreign bank, including the competence, experience, and integrity of the officers and directors, and the integrity of its principal shareholders;, (10) The scope and frequency of external audits of the foreign bank;, (11) The operating record of the foreign bank generally and its role in the banking system in its home country;, (12) The foreign bank's record of compliance with relevant laws, as well as the adequacy of its anti-money-laundering controls and procedures, in respect of its worldwide operations;, (13) The operating record of the U.S. offices of the foreign bank;, (14) The views and recommendations of the Comptroller or the relevant state supervisors in those states in which the foreign bank has operations, as appropriate;, (15) Whether the foreign bank, if requested, has provided the Board with adequate assurances that such information will be made available on the operations or activities of the foreign bank and any of its affiliates as the Board deems necessary to determine and enforce compliance with the IBA, the BHC Act, and other U.S. banking statutes; and, (16) Any other information relevant to the safety and soundness of the U.S. operations of the foreign bank., (c) Restrictions on U.S. operations - (1) Terms of agreement. Any foreign bank that the Board determines is not subject to CCS may be required to enter into an agreement to conduct its U.S. operations subject to such restrictions as the Board, having considered the criteria set forth in paragraph (b) of this section, determines to be appropriate in order to ensure the safety and soundness of its U.S. operations., (2) Failure to enter into or comply with agreement. A foreign bank that is required by the Board to enter into an agreement pursuant to paragraph (c)(1) of this section and either fails to do so, or fails to comply with the terms of such agreement, may be subject to:, (i) Enforcement action, in order to ensure safe and sound banking operations, under 12 U.S.C. 1818; or, (ii) Termination or a recommendation for termination of its U.S. operations, under \u00a7 211.25(a) and (e) and section (7)(e) of the IBA (12 U.S.C. 3105(e)).","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["211"],"part_title":["PART 211 - INTERNATIONAL BANKING OPERATIONS (REGULATION K)"],"section":["211.30"],"section_title":["\u00a7 211.30 Criteria for evaluating U.S. operations of foreign banks not subject to consolidated supervision."]},"_input_hash":-1862995932,"_task_hash":751432766,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711823591,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) Development and publication of criteria. Pursuant to the Foreign Bank Supervision Enhancement Act, Pub. L. 102-242, 105 Stat. 2286 (1991), the Board shall develop and publish criteria to be used in evaluating the operations of any foreign bank in the United States that the Board has determined is not subject to comprehensive consolidated supervision. , (b) Criteria considered by Board. Following a determination by the Board that, having taken into account the standards set forth in \u00a7 211.24(c)(1), a foreign bank is not subject to CCS, the Board shall consider the following criteria in determining whether the foreign bank's U.S. operations should be permitted to continue and, if so, whether any supervisory constraints should be placed upon the bank in connection with those operations: , (1) The proportion of the foreign bank's total assets and total liabilities that are located or booked in its home country, as well as the distribution and location of its assets and liabilities that are located or booked elsewhere;, (2) The extent to which the operations and assets of the foreign bank and any affiliates are subject to supervision by its home country supervisor;, (3) Whether the home country supervisor of such foreign bank is actively working to establish arrangements for comprehensive consolidated supervision of the bank, and whether demonstrable progress is being made;, (4) Whether the foreign bank has effective and reliable systems of internal controls and management information and reporting, which enable its management properly to oversee its worldwide operations;, (5) Whether the foreign bank's home country supervisor has any objection to the bank continuing to operate in the United States;, (6) Whether the foreign bank's home country supervisor and the home country supervisor of any parent of the foreign bank share material information regarding the operations of the foreign bank with other supervisory authorities;, (7) The relationship of the U.S. operations to the other operations of the foreign bank, including whether the foreign bank maintains funds in its U.S. offices that are in excess of amounts due to its U.S. offices from the foreign bank's non-U.S. offices;, (8) The soundness of the foreign bank's overall financial condition;, (9) The managerial resources of the foreign bank, including the competence, experience, and integrity of the officers and directors, and the integrity of its principal shareholders;, (10) The scope and frequency of external audits of the foreign bank;, (11) The operating record of the foreign bank generally and its role in the banking system in its home country;, (12) The foreign bank's record of compliance with relevant laws, as well as the adequacy of its anti-money-laundering controls and procedures, in respect of its worldwide operations;, (13) The operating record of the U.S. offices of the foreign bank;, (14) The views and recommendations of the Comptroller or the relevant state supervisors in those states in which the foreign bank has operations, as appropriate;, (15) Whether the foreign bank, if requested, has provided the Board with adequate assurances that such information will be made available on the operations or activities of the foreign bank and any of its affiliates as the Board deems necessary to determine and enforce compliance with the IBA, the BHC Act, and other U.S. banking statutes; and, (16) Any other information relevant to the safety and soundness of the U.S. operations of the foreign bank., (c) Restrictions on U.S. operations - (1) Terms of agreement. Any foreign bank that the Board determines is not subject to CCS may be required to enter into an agreement to conduct its U.S. operations subject to such restrictions as the Board, having considered the criteria set forth in paragraph (b) of this section, determines to be appropriate in order to ensure the safety and soundness of its U.S. operations., (2) Failure to enter into or comply with agreement. A foreign bank that is required by the Board to enter into an agreement pursuant to paragraph (c)(1) of this section and either fails to do so, or fails to comply with the terms of such agreement, may be subject to:, (i) Enforcement action, in order to ensure safe and sound banking operations, under 12 U.S.C. 1818; or, (ii) Termination or a recommendation for termination of its U.S. operations, under \u00a7 211.25(a) and (e) and section (7)(e) of the IBA (12 U.S.C. 3105(e)).","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["211"],"part_title":["PART 211 - INTERNATIONAL BANKING OPERATIONS (REGULATION K)"],"section":["211.30"],"section_title":["\u00a7 211.30 Criteria for evaluating U.S. operations of foreign banks not subject to consolidated supervision."]},"_input_hash":-1862995932,"_task_hash":-620761646,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830236,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Permissible activities and investments. In addition to its general banking powers, and to the extent consistent with its charter, a foreign branch of a member bank may engage in the following activities and make the following investments, so far as is usual in connection with the business of banking in the country where it transacts business: , (1) Guarantees. Guarantee debts, or otherwise agree to make payments on the occurrence of readily ascertainable events (including, but not limited to, nonpayment of taxes, rentals, customs duties, or costs of transport, and loss or nonconformance of shipping documents) if the guarantee or agreement specifies a maximum monetary liability; however, except to the extent that the member bank is fully secured, it may not have liabilities outstanding for any person on account of such guarantees or agreements which, when aggregated with other unsecured obligations of the same person, exceed the limit contained in section 5200(a)(1) of the Revised Statutes (12 U.S.C. 84) for loans and extensions of credit; , (2) Government obligations. (i) Underwrite, distribute, buy, sell, and hold obligations of: , (A) The national government of the country where the branch is located and any political subdivision of that country; , (B) An agency or instrumentality of the national government of the country where the branch is located where such obligations are supported by the taxing authority, guarantee, or full faith and credit of that government; , (C) The national government or political subdivision of any country, where such obligations are rated investment grade; and , (D) An agency or instrumentality of any national government where such obligations are rated investment grade and are supported by the taxing authority, guarantee or full faith and credit of that government. , (ii) No member bank, under authority of this paragraph (a)(2), may hold, or be under commitment with respect to, such obligations for its own account in relation to any one country in an amount exceeding the greater of: , (A) 10 percent of its tier 1 capital; or , (B) 10 percent of the total deposits of the bank's branches in that country on the preceding year-end call report date (or the date of acquisition of the branch, in the case of a branch that has not been so reported); , (3) Other investments. (i) Invest in: , (A) The securities of the central bank, clearinghouses, governmental entities other than those authorized under paragraph (a)(2) of this section, and government-sponsored development banks of the country where the foreign branch is located; , (B) Other debt securities eligible to meet local reserve or similar requirements; and , (C) Shares of automated electronic-payments networks, professional societies, schools, and the like necessary to the business of the branch; , (ii) The total investments of a bank's branches in a country under this paragraph (a)(3) (exclusive of securities held as required by the law of that country or as authorized under section 5136 of the Revised Statutes (12 U.S.C. 24, Seventh)) may not exceed 1 percent of the total deposits of the bank's branches in that country on the preceding year-end call report date (or on the date of acquisition of the branch, in the case of a branch that has not been so reported); , (4) Real estate loans. Take liens or other encumbrances on foreign real estate in connection with its extensions of credit, whether or not of first priority and whether or not the real estate has been improved; , (5) Insurance. Act as insurance agent or broker; , (6) Employee benefits program. Pay to an employee of the branch, as part of an employee benefits program, a greater rate of interest than that paid to other depositors of the branch; , (7) Repurchase agreements. Engage in repurchase agreements involving securities and commodities that are the functional equivalents of extensions of credit; , (8) Investment in subsidiaries. With the Board's prior approval, acquire all of the shares of a company (except where local law requires other investors to hold directors' qualifying shares or similar types of instruments) that engages solely in activities: , (i) In which the member bank is permitted to engage; or , (ii) That are incidental to the activities of the foreign branch. , (b) Other activities. With the Board's prior approval, engage in other activities that the Board determines are usual in connection with the transaction of the business of banking in the places where the member bank's branches transact business. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["211"],"part_title":["PART 211 - INTERNATIONAL BANKING OPERATIONS (REGULATION K)"],"section":["211.4"],"section_title":["\u00a7 211.4 Permissible activities and investments of foreign branches of member banks."]},"_input_hash":-321318418,"_task_hash":-800889385,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844277,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Permissible activities and investments. In addition to its general banking powers, and to the extent consistent with its charter, a foreign branch of a member bank may engage in the following activities and make the following investments, so far as is usual in connection with the business of banking in the country where it transacts business: , (1) Guarantees. Guarantee debts, or otherwise agree to make payments on the occurrence of readily ascertainable events (including, but not limited to, nonpayment of taxes, rentals, customs duties, or costs of transport, and loss or nonconformance of shipping documents) if the guarantee or agreement specifies a maximum monetary liability; however, except to the extent that the member bank is fully secured, it may not have liabilities outstanding for any person on account of such guarantees or agreements which, when aggregated with other unsecured obligations of the same person, exceed the limit contained in section 5200(a)(1) of the Revised Statutes (12 U.S.C. 84) for loans and extensions of credit; , (2) Government obligations. (i) Underwrite, distribute, buy, sell, and hold obligations of: , (A) The national government of the country where the branch is located and any political subdivision of that country; , (B) An agency or instrumentality of the national government of the country where the branch is located where such obligations are supported by the taxing authority, guarantee, or full faith and credit of that government; , (C) The national government or political subdivision of any country, where such obligations are rated investment grade; and , (D) An agency or instrumentality of any national government where such obligations are rated investment grade and are supported by the taxing authority, guarantee or full faith and credit of that government. , (ii) No member bank, under authority of this paragraph (a)(2), may hold, or be under commitment with respect to, such obligations for its own account in relation to any one country in an amount exceeding the greater of: , (A) 10 percent of its tier 1 capital; or , (B) 10 percent of the total deposits of the bank's branches in that country on the preceding year-end call report date (or the date of acquisition of the branch, in the case of a branch that has not been so reported); , (3) Other investments. (i) Invest in: , (A) The securities of the central bank, clearinghouses, governmental entities other than those authorized under paragraph (a)(2) of this section, and government-sponsored development banks of the country where the foreign branch is located; , (B) Other debt securities eligible to meet local reserve or similar requirements; and , (C) Shares of automated electronic-payments networks, professional societies, schools, and the like necessary to the business of the branch; , (ii) The total investments of a bank's branches in a country under this paragraph (a)(3) (exclusive of securities held as required by the law of that country or as authorized under section 5136 of the Revised Statutes (12 U.S.C. 24, Seventh)) may not exceed 1 percent of the total deposits of the bank's branches in that country on the preceding year-end call report date (or on the date of acquisition of the branch, in the case of a branch that has not been so reported); , (4) Real estate loans. Take liens or other encumbrances on foreign real estate in connection with its extensions of credit, whether or not of first priority and whether or not the real estate has been improved; , (5) Insurance. Act as insurance agent or broker; , (6) Employee benefits program. Pay to an employee of the branch, as part of an employee benefits program, a greater rate of interest than that paid to other depositors of the branch; , (7) Repurchase agreements. Engage in repurchase agreements involving securities and commodities that are the functional equivalents of extensions of credit; , (8) Investment in subsidiaries. With the Board's prior approval, acquire all of the shares of a company (except where local law requires other investors to hold directors' qualifying shares or similar types of instruments) that engages solely in activities: , (i) In which the member bank is permitted to engage; or , (ii) That are incidental to the activities of the foreign branch. , (b) Other activities. With the Board's prior approval, engage in other activities that the Board determines are usual in connection with the transaction of the business of banking in the places where the member bank's branches transact business. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["211"],"part_title":["PART 211 - INTERNATIONAL BANKING OPERATIONS (REGULATION K)"],"section":["211.4"],"section_title":["\u00a7 211.4 Permissible activities and investments of foreign branches of member banks."]},"_input_hash":-321318418,"_task_hash":-1998716352,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815406,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"(a) Permissible activities and investments. In addition to its general banking powers, and to the extent consistent with its charter, a foreign branch of a member bank may engage in the following activities and make the following investments, so far as is usual in connection with the business of banking in the country where it transacts business: , (1) Guarantees. Guarantee debts, or otherwise agree to make payments on the occurrence of readily ascertainable events (including, but not limited to, nonpayment of taxes, rentals, customs duties, or costs of transport, and loss or nonconformance of shipping documents) if the guarantee or agreement specifies a maximum monetary liability; however, except to the extent that the member bank is fully secured, it may not have liabilities outstanding for any person on account of such guarantees or agreements which, when aggregated with other unsecured obligations of the same person, exceed the limit contained in section 5200(a)(1) of the Revised Statutes (12 U.S.C. 84) for loans and extensions of credit; , (2) Government obligations. (i) Underwrite, distribute, buy, sell, and hold obligations of: , (A) The national government of the country where the branch is located and any political subdivision of that country; , (B) An agency or instrumentality of the national government of the country where the branch is located where such obligations are supported by the taxing authority, guarantee, or full faith and credit of that government; , (C) The national government or political subdivision of any country, where such obligations are rated investment grade; and , (D) An agency or instrumentality of any national government where such obligations are rated investment grade and are supported by the taxing authority, guarantee or full faith and credit of that government. , (ii) No member bank, under authority of this paragraph (a)(2), may hold, or be under commitment with respect to, such obligations for its own account in relation to any one country in an amount exceeding the greater of: , (A) 10 percent of its tier 1 capital; or , (B) 10 percent of the total deposits of the bank's branches in that country on the preceding year-end call report date (or the date of acquisition of the branch, in the case of a branch that has not been so reported); , (3) Other investments. (i) Invest in: , (A) The securities of the central bank, clearinghouses, governmental entities other than those authorized under paragraph (a)(2) of this section, and government-sponsored development banks of the country where the foreign branch is located; , (B) Other debt securities eligible to meet local reserve or similar requirements; and , (C) Shares of automated electronic-payments networks, professional societies, schools, and the like necessary to the business of the branch; , (ii) The total investments of a bank's branches in a country under this paragraph (a)(3) (exclusive of securities held as required by the law of that country or as authorized under section 5136 of the Revised Statutes (12 U.S.C. 24, Seventh)) may not exceed 1 percent of the total deposits of the bank's branches in that country on the preceding year-end call report date (or on the date of acquisition of the branch, in the case of a branch that has not been so reported); , (4) Real estate loans. Take liens or other encumbrances on foreign real estate in connection with its extensions of credit, whether or not of first priority and whether or not the real estate has been improved; , (5) Insurance. Act as insurance agent or broker; , (6) Employee benefits program. Pay to an employee of the branch, as part of an employee benefits program, a greater rate of interest than that paid to other depositors of the branch; , (7) Repurchase agreements. Engage in repurchase agreements involving securities and commodities that are the functional equivalents of extensions of credit; , (8) Investment in subsidiaries. With the Board's prior approval, acquire all of the shares of a company (except where local law requires other investors to hold directors' qualifying shares or similar types of instruments) that engages solely in activities: , (i) In which the member bank is permitted to engage; or , (ii) That are incidental to the activities of the foreign branch. , (b) Other activities. With the Board's prior approval, engage in other activities that the Board determines are usual in connection with the transaction of the business of banking in the places where the member bank's branches transact business. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["211"],"part_title":["PART 211 - INTERNATIONAL BANKING OPERATIONS (REGULATION K)"],"section":["211.4"],"section_title":["\u00a7 211.4 Permissible activities and investments of foreign branches of member banks."]},"_input_hash":-321318418,"_task_hash":-800889385,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711823679,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Permissible activities and investments. In addition to its general banking powers, and to the extent consistent with its charter, a foreign branch of a member bank may engage in the following activities and make the following investments, so far as is usual in connection with the business of banking in the country where it transacts business: , (1) Guarantees. Guarantee debts, or otherwise agree to make payments on the occurrence of readily ascertainable events (including, but not limited to, nonpayment of taxes, rentals, customs duties, or costs of transport, and loss or nonconformance of shipping documents) if the guarantee or agreement specifies a maximum monetary liability; however, except to the extent that the member bank is fully secured, it may not have liabilities outstanding for any person on account of such guarantees or agreements which, when aggregated with other unsecured obligations of the same person, exceed the limit contained in section 5200(a)(1) of the Revised Statutes (12 U.S.C. 84) for loans and extensions of credit; , (2) Government obligations. (i) Underwrite, distribute, buy, sell, and hold obligations of: , (A) The national government of the country where the branch is located and any political subdivision of that country; , (B) An agency or instrumentality of the national government of the country where the branch is located where such obligations are supported by the taxing authority, guarantee, or full faith and credit of that government; , (C) The national government or political subdivision of any country, where such obligations are rated investment grade; and , (D) An agency or instrumentality of any national government where such obligations are rated investment grade and are supported by the taxing authority, guarantee or full faith and credit of that government. , (ii) No member bank, under authority of this paragraph (a)(2), may hold, or be under commitment with respect to, such obligations for its own account in relation to any one country in an amount exceeding the greater of: , (A) 10 percent of its tier 1 capital; or , (B) 10 percent of the total deposits of the bank's branches in that country on the preceding year-end call report date (or the date of acquisition of the branch, in the case of a branch that has not been so reported); , (3) Other investments. (i) Invest in: , (A) The securities of the central bank, clearinghouses, governmental entities other than those authorized under paragraph (a)(2) of this section, and government-sponsored development banks of the country where the foreign branch is located; , (B) Other debt securities eligible to meet local reserve or similar requirements; and , (C) Shares of automated electronic-payments networks, professional societies, schools, and the like necessary to the business of the branch; , (ii) The total investments of a bank's branches in a country under this paragraph (a)(3) (exclusive of securities held as required by the law of that country or as authorized under section 5136 of the Revised Statutes (12 U.S.C. 24, Seventh)) may not exceed 1 percent of the total deposits of the bank's branches in that country on the preceding year-end call report date (or on the date of acquisition of the branch, in the case of a branch that has not been so reported); , (4) Real estate loans. Take liens or other encumbrances on foreign real estate in connection with its extensions of credit, whether or not of first priority and whether or not the real estate has been improved; , (5) Insurance. Act as insurance agent or broker; , (6) Employee benefits program. Pay to an employee of the branch, as part of an employee benefits program, a greater rate of interest than that paid to other depositors of the branch; , (7) Repurchase agreements. Engage in repurchase agreements involving securities and commodities that are the functional equivalents of extensions of credit; , (8) Investment in subsidiaries. With the Board's prior approval, acquire all of the shares of a company (except where local law requires other investors to hold directors' qualifying shares or similar types of instruments) that engages solely in activities: , (i) In which the member bank is permitted to engage; or , (ii) That are incidental to the activities of the foreign branch. , (b) Other activities. With the Board's prior approval, engage in other activities that the Board determines are usual in connection with the transaction of the business of banking in the places where the member bank's branches transact business. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["211"],"part_title":["PART 211 - INTERNATIONAL BANKING OPERATIONS (REGULATION K)"],"section":["211.4"],"section_title":["\u00a7 211.4 Permissible activities and investments of foreign branches of member banks."]},"_input_hash":-321318418,"_task_hash":662787570,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830240,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"For purposes of this part, an officer or employee of the Federal Reserve is considered to be the \u201csenior examiner\u201d for a particular state member bank, bank holding company, savings and loan holding company, or foreign bank if - , (a) The officer or employee has been authorized by the Board to conduct examinations or inspections on behalf of the Board;, (b) The officer or employee has been assigned continuing, broad and lead responsibility for examining or inspecting the state member bank, bank holding company, savings and loan holding company, or foreign bank; and, (c) The officer's or employee's responsibilities for examining, inspecting and supervising the state member bank, bank holding company, savings and loan holding company, or foreign bank - , (1) Represent a substantial portion of the officer's or employee's assigned responsibilities; and, (2) Require the officer or employee to interact routinely with officers or employees of the state member bank, bank holding company, savings and loan holding company, or foreign bank or its affiliates.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["264a"],"part_title":["PART 264a - POST-EMPLOYMENT RESTRICTIONS FOR SENIOR EXAMINERS"],"section":["264a.2"],"section_title":["\u00a7 264a.2 Who is considered a senior examiner of the Federal Reserve?"]},"_input_hash":1303794336,"_task_hash":-530742132,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844280,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"For purposes of this part, an officer or employee of the Federal Reserve is considered to be the \u201csenior examiner\u201d for a particular state member bank, bank holding company, savings and loan holding company, or foreign bank if - , (a) The officer or employee has been authorized by the Board to conduct examinations or inspections on behalf of the Board;, (b) The officer or employee has been assigned continuing, broad and lead responsibility for examining or inspecting the state member bank, bank holding company, savings and loan holding company, or foreign bank; and, (c) The officer's or employee's responsibilities for examining, inspecting and supervising the state member bank, bank holding company, savings and loan holding company, or foreign bank - , (1) Represent a substantial portion of the officer's or employee's assigned responsibilities; and, (2) Require the officer or employee to interact routinely with officers or employees of the state member bank, bank holding company, savings and loan holding company, or foreign bank or its affiliates.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["264a"],"part_title":["PART 264a - POST-EMPLOYMENT RESTRICTIONS FOR SENIOR EXAMINERS"],"section":["264a.2"],"section_title":["\u00a7 264a.2 Who is considered a senior examiner of the Federal Reserve?"]},"_input_hash":1303794336,"_task_hash":-530742132,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815439,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"For purposes of this part, an officer or employee of the Federal Reserve is considered to be the \u201csenior examiner\u201d for a particular state member bank, bank holding company, savings and loan holding company, or foreign bank if - , (a) The officer or employee has been authorized by the Board to conduct examinations or inspections on behalf of the Board;, (b) The officer or employee has been assigned continuing, broad and lead responsibility for examining or inspecting the state member bank, bank holding company, savings and loan holding company, or foreign bank; and, (c) The officer's or employee's responsibilities for examining, inspecting and supervising the state member bank, bank holding company, savings and loan holding company, or foreign bank - , (1) Represent a substantial portion of the officer's or employee's assigned responsibilities; and, (2) Require the officer or employee to interact routinely with officers or employees of the state member bank, bank holding company, savings and loan holding company, or foreign bank or its affiliates.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["264a"],"part_title":["PART 264a - POST-EMPLOYMENT RESTRICTIONS FOR SENIOR EXAMINERS"],"section":["264a.2"],"section_title":["\u00a7 264a.2 Who is considered a senior examiner of the Federal Reserve?"]},"_input_hash":1303794336,"_task_hash":433587947,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830242,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Petitions have been filed with the Board raising questions as to whether the margin requirements in this part apply to two types of corporate acquisitions in which debt securities are issued to finance the acquisition of margin stock of a target company., (b) In the first situation, the acquiring company, Company A, controls a shell corporation that would make a tender offer for the stock of Company B, which is margin stock (as defined in \u00a7 221.2). The shell corporation has virtually no operations, has no significant business function other than to acquire and hold the stock of Company B, and has substantially no assets other than the margin stock to be acquired. To finance the tender offer, the shell corporation would issue debt securities which, by their terms, would be unsecured. If the tender offer is successful, the shell corporation would seek to merge with Company B. However, the tender offer seeks to acquire fewer shares of Company B than is necessary under state law to effect a short form merger with Company B, which could be consummated without the approval of shareholders or the board of directors of Company B., (c) The purchase of the debt securities issued by the shell corporation to finance the acquisition clearly involves purpose credit (as defined in \u00a7 221.2). In addition, such debt securities would be purchased only by sophisticated investors in very large minimum denominations, so that the purchasers may be lenders for purposes of this part. See \u00a7 221.3(b). Since the debt securities contain no direct security agreement involving the margin stock, applicability of the lending restrictions of this part turns on whether the arrangement constitutes an extension of credit that is secured indirectly by margin stock., (d) As the Board has recognized, indirect security can encompass a wide variety of arrangements between lenders and borrowers with respect to margin stock collateral that serve to protect the lenders' interest in assuring that a credit is repaid where the lenders do not have a conventional direct security interest in the collateral. See \u00a7 221.124. However, credit is not \u201cindirectly secured\u201d by margin stock if the lender in good faith has not relied on the margin stock as collateral extending or maintaining credit. See \u00a7 221.2., (e) The Board is of the view that, in the situation described in paragraph (b) of this section, the debt securities would be presumed to be indirectly secured by the margin stock to be acquired by the shell acquisition vehicle. The staff has previously expressed the view that nominally unsecured credit extended to an investment company, a substantial portion of whose assets consist of margin stock, is indirectly secured by the margin stock. See Federal Reserve Regulatory Service 5-917.12. (See 12 CFR 261.10(f) for information on how to obtain Board publications.) This opinion notes that the investment company has substantially no assets other than margin stock to support indebtedness and thus credit could not be extended to such a company in good faith without reliance on the margin stock as collateral., (f) The Board believes that this rationale applies to the debt securities issued by the shell corporation described in paragraph (b) of this section. At the time the debt securities are issued, the shell corporation has substantially no assets to support the credit other than the margin stock that it has acquired or intends to acquire and has no significant business function other than to hold the stock of the target company in order to facilitate the acquisition. Moreover, it is possible that the shell may hold the margin stock for a significant and indefinite period of time, if defensive measures by the target prevent consummation of the acquisition. Because of the difficulty in predicting the outcome of a contested takeover at the time that credit is committed to the shell corporation, the Board believes that the purchasers of the debt securities could not, in good faith, lend without reliance on the margin stock as collateral. The presumption that the debt securities are indirectly secured by margin stock would not apply if there is specific evidence that lenders could in good faith rely on assets other than margin stock as collateral, such as a guaranty of the debt securities by the shell corporation's parent company or another company that has substantial non-margin stock assets or cash flow. This presumption would also not apply if there is a merger agreement between the acquiring and target companies entered into at the time the commitment is made to purchase the debt securities or in any event before loan funds are advanced. In addition, the presumption would not apply if the obligation of the purchasers of the debt securities to advance funds to the shell corporation is contingent on the shell's acquisition of the minimum number of shares necessary under applicable state law to effect a merger between the acquiring and target companies without the approval of either the shareholders or directors of the target company. In these two situations where the merger will take place promptly, the Board believes the lenders could reasonably be presumed to be relying on the assets of the target for repayment., (g) In addition, the Board is of the view that the debt securities described in paragraph (b) of this section are indirectly secured by margin stock because there is a practical restriction on the ability of the shell corporation to dispose of the margin stock of the target company. Indirectly secured is defined in \u00a7 221.2 to include any arrangement under which the customer's right or ability to sell, pledge, or otherwise dispose of margin stock owned by the customer is in any way restricted while the credit remains outstanding. The purchasers of the debt securities issued by a shell corporation to finance a takeover attempt clearly understand that the shell corporation intends to acquire the margin stock of the target company in order to effect the acquisition of that company. This understanding represents a practical restriction on the ability of the shell corporation to dispose of the target's margin stock and to acquire other assets with the proceeds of the credit., (h) In the second situation, Company C, an operating company with substantial assets or cash flow, seeks to acquire Company D, which is significantly larger than Company C. Company C establishes a shell corporation that together with Company C makes a tender offer for the shares of Company D, which is margin stock. To finance the tender offer, the shell corporation would obtain a bank loan that complies with the margin lending restrictions of this part and Company C would issue debt securities that would not be directly secured by any margin stock. The Board is of the opinion that these debt securities should not be presumed to be indirectly secured by the margin stock of Company D, since, as an operating business, Company C has substantial assets or cash flow without regard to the margin stock of Company D. Any presumption would not be appropriate because the purchasers of the debt securities may be relying on assets other than margin stock of Company D for repayment of the credit.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["221"],"part_title":["PART 221 - CREDIT BY BANKS AND PERSONS OTHER THAN BROKERS OR DEALERS FOR THE PURPOSE OF PURCHASING OR CARRYING MARGIN STOCK (REGULATION U)"],"section":["221.124"],"section_title":["\u00a7 221.124 Purchase of debt securities to finance corporate takeovers."]},"_input_hash":2043548172,"_task_hash":978404980,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844282,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Petitions have been filed with the Board raising questions as to whether the margin requirements in this part apply to two types of corporate acquisitions in which debt securities are issued to finance the acquisition of margin stock of a target company., (b) In the first situation, the acquiring company, Company A, controls a shell corporation that would make a tender offer for the stock of Company B, which is margin stock (as defined in \u00a7 221.2). The shell corporation has virtually no operations, has no significant business function other than to acquire and hold the stock of Company B, and has substantially no assets other than the margin stock to be acquired. To finance the tender offer, the shell corporation would issue debt securities which, by their terms, would be unsecured. If the tender offer is successful, the shell corporation would seek to merge with Company B. However, the tender offer seeks to acquire fewer shares of Company B than is necessary under state law to effect a short form merger with Company B, which could be consummated without the approval of shareholders or the board of directors of Company B., (c) The purchase of the debt securities issued by the shell corporation to finance the acquisition clearly involves purpose credit (as defined in \u00a7 221.2). In addition, such debt securities would be purchased only by sophisticated investors in very large minimum denominations, so that the purchasers may be lenders for purposes of this part. See \u00a7 221.3(b). Since the debt securities contain no direct security agreement involving the margin stock, applicability of the lending restrictions of this part turns on whether the arrangement constitutes an extension of credit that is secured indirectly by margin stock., (d) As the Board has recognized, indirect security can encompass a wide variety of arrangements between lenders and borrowers with respect to margin stock collateral that serve to protect the lenders' interest in assuring that a credit is repaid where the lenders do not have a conventional direct security interest in the collateral. See \u00a7 221.124. However, credit is not \u201cindirectly secured\u201d by margin stock if the lender in good faith has not relied on the margin stock as collateral extending or maintaining credit. See \u00a7 221.2., (e) The Board is of the view that, in the situation described in paragraph (b) of this section, the debt securities would be presumed to be indirectly secured by the margin stock to be acquired by the shell acquisition vehicle. The staff has previously expressed the view that nominally unsecured credit extended to an investment company, a substantial portion of whose assets consist of margin stock, is indirectly secured by the margin stock. See Federal Reserve Regulatory Service 5-917.12. (See 12 CFR 261.10(f) for information on how to obtain Board publications.) This opinion notes that the investment company has substantially no assets other than margin stock to support indebtedness and thus credit could not be extended to such a company in good faith without reliance on the margin stock as collateral., (f) The Board believes that this rationale applies to the debt securities issued by the shell corporation described in paragraph (b) of this section. At the time the debt securities are issued, the shell corporation has substantially no assets to support the credit other than the margin stock that it has acquired or intends to acquire and has no significant business function other than to hold the stock of the target company in order to facilitate the acquisition. Moreover, it is possible that the shell may hold the margin stock for a significant and indefinite period of time, if defensive measures by the target prevent consummation of the acquisition. Because of the difficulty in predicting the outcome of a contested takeover at the time that credit is committed to the shell corporation, the Board believes that the purchasers of the debt securities could not, in good faith, lend without reliance on the margin stock as collateral. The presumption that the debt securities are indirectly secured by margin stock would not apply if there is specific evidence that lenders could in good faith rely on assets other than margin stock as collateral, such as a guaranty of the debt securities by the shell corporation's parent company or another company that has substantial non-margin stock assets or cash flow. This presumption would also not apply if there is a merger agreement between the acquiring and target companies entered into at the time the commitment is made to purchase the debt securities or in any event before loan funds are advanced. In addition, the presumption would not apply if the obligation of the purchasers of the debt securities to advance funds to the shell corporation is contingent on the shell's acquisition of the minimum number of shares necessary under applicable state law to effect a merger between the acquiring and target companies without the approval of either the shareholders or directors of the target company. In these two situations where the merger will take place promptly, the Board believes the lenders could reasonably be presumed to be relying on the assets of the target for repayment., (g) In addition, the Board is of the view that the debt securities described in paragraph (b) of this section are indirectly secured by margin stock because there is a practical restriction on the ability of the shell corporation to dispose of the margin stock of the target company. Indirectly secured is defined in \u00a7 221.2 to include any arrangement under which the customer's right or ability to sell, pledge, or otherwise dispose of margin stock owned by the customer is in any way restricted while the credit remains outstanding. The purchasers of the debt securities issued by a shell corporation to finance a takeover attempt clearly understand that the shell corporation intends to acquire the margin stock of the target company in order to effect the acquisition of that company. This understanding represents a practical restriction on the ability of the shell corporation to dispose of the target's margin stock and to acquire other assets with the proceeds of the credit., (h) In the second situation, Company C, an operating company with substantial assets or cash flow, seeks to acquire Company D, which is significantly larger than Company C. Company C establishes a shell corporation that together with Company C makes a tender offer for the shares of Company D, which is margin stock. To finance the tender offer, the shell corporation would obtain a bank loan that complies with the margin lending restrictions of this part and Company C would issue debt securities that would not be directly secured by any margin stock. The Board is of the opinion that these debt securities should not be presumed to be indirectly secured by the margin stock of Company D, since, as an operating business, Company C has substantial assets or cash flow without regard to the margin stock of Company D. Any presumption would not be appropriate because the purchasers of the debt securities may be relying on assets other than margin stock of Company D for repayment of the credit.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["221"],"part_title":["PART 221 - CREDIT BY BANKS AND PERSONS OTHER THAN BROKERS OR DEALERS FOR THE PURPOSE OF PURCHASING OR CARRYING MARGIN STOCK (REGULATION U)"],"section":["221.124"],"section_title":["\u00a7 221.124 Purchase of debt securities to finance corporate takeovers."]},"_input_hash":2043548172,"_task_hash":978404980,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815472,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Petitions have been filed with the Board raising questions as to whether the margin requirements in this part apply to two types of corporate acquisitions in which debt securities are issued to finance the acquisition of margin stock of a target company., (b) In the first situation, the acquiring company, Company A, controls a shell corporation that would make a tender offer for the stock of Company B, which is margin stock (as defined in \u00a7 221.2). The shell corporation has virtually no operations, has no significant business function other than to acquire and hold the stock of Company B, and has substantially no assets other than the margin stock to be acquired. To finance the tender offer, the shell corporation would issue debt securities which, by their terms, would be unsecured. If the tender offer is successful, the shell corporation would seek to merge with Company B. However, the tender offer seeks to acquire fewer shares of Company B than is necessary under state law to effect a short form merger with Company B, which could be consummated without the approval of shareholders or the board of directors of Company B., (c) The purchase of the debt securities issued by the shell corporation to finance the acquisition clearly involves purpose credit (as defined in \u00a7 221.2). In addition, such debt securities would be purchased only by sophisticated investors in very large minimum denominations, so that the purchasers may be lenders for purposes of this part. See \u00a7 221.3(b). Since the debt securities contain no direct security agreement involving the margin stock, applicability of the lending restrictions of this part turns on whether the arrangement constitutes an extension of credit that is secured indirectly by margin stock., (d) As the Board has recognized, indirect security can encompass a wide variety of arrangements between lenders and borrowers with respect to margin stock collateral that serve to protect the lenders' interest in assuring that a credit is repaid where the lenders do not have a conventional direct security interest in the collateral. See \u00a7 221.124. However, credit is not \u201cindirectly secured\u201d by margin stock if the lender in good faith has not relied on the margin stock as collateral extending or maintaining credit. See \u00a7 221.2., (e) The Board is of the view that, in the situation described in paragraph (b) of this section, the debt securities would be presumed to be indirectly secured by the margin stock to be acquired by the shell acquisition vehicle. The staff has previously expressed the view that nominally unsecured credit extended to an investment company, a substantial portion of whose assets consist of margin stock, is indirectly secured by the margin stock. See Federal Reserve Regulatory Service 5-917.12. (See 12 CFR 261.10(f) for information on how to obtain Board publications.) This opinion notes that the investment company has substantially no assets other than margin stock to support indebtedness and thus credit could not be extended to such a company in good faith without reliance on the margin stock as collateral., (f) The Board believes that this rationale applies to the debt securities issued by the shell corporation described in paragraph (b) of this section. At the time the debt securities are issued, the shell corporation has substantially no assets to support the credit other than the margin stock that it has acquired or intends to acquire and has no significant business function other than to hold the stock of the target company in order to facilitate the acquisition. Moreover, it is possible that the shell may hold the margin stock for a significant and indefinite period of time, if defensive measures by the target prevent consummation of the acquisition. Because of the difficulty in predicting the outcome of a contested takeover at the time that credit is committed to the shell corporation, the Board believes that the purchasers of the debt securities could not, in good faith, lend without reliance on the margin stock as collateral. The presumption that the debt securities are indirectly secured by margin stock would not apply if there is specific evidence that lenders could in good faith rely on assets other than margin stock as collateral, such as a guaranty of the debt securities by the shell corporation's parent company or another company that has substantial non-margin stock assets or cash flow. This presumption would also not apply if there is a merger agreement between the acquiring and target companies entered into at the time the commitment is made to purchase the debt securities or in any event before loan funds are advanced. In addition, the presumption would not apply if the obligation of the purchasers of the debt securities to advance funds to the shell corporation is contingent on the shell's acquisition of the minimum number of shares necessary under applicable state law to effect a merger between the acquiring and target companies without the approval of either the shareholders or directors of the target company. In these two situations where the merger will take place promptly, the Board believes the lenders could reasonably be presumed to be relying on the assets of the target for repayment., (g) In addition, the Board is of the view that the debt securities described in paragraph (b) of this section are indirectly secured by margin stock because there is a practical restriction on the ability of the shell corporation to dispose of the margin stock of the target company. Indirectly secured is defined in \u00a7 221.2 to include any arrangement under which the customer's right or ability to sell, pledge, or otherwise dispose of margin stock owned by the customer is in any way restricted while the credit remains outstanding. The purchasers of the debt securities issued by a shell corporation to finance a takeover attempt clearly understand that the shell corporation intends to acquire the margin stock of the target company in order to effect the acquisition of that company. This understanding represents a practical restriction on the ability of the shell corporation to dispose of the target's margin stock and to acquire other assets with the proceeds of the credit., (h) In the second situation, Company C, an operating company with substantial assets or cash flow, seeks to acquire Company D, which is significantly larger than Company C. Company C establishes a shell corporation that together with Company C makes a tender offer for the shares of Company D, which is margin stock. To finance the tender offer, the shell corporation would obtain a bank loan that complies with the margin lending restrictions of this part and Company C would issue debt securities that would not be directly secured by any margin stock. The Board is of the opinion that these debt securities should not be presumed to be indirectly secured by the margin stock of Company D, since, as an operating business, Company C has substantial assets or cash flow without regard to the margin stock of Company D. Any presumption would not be appropriate because the purchasers of the debt securities may be relying on assets other than margin stock of Company D for repayment of the credit.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["221"],"part_title":["PART 221 - CREDIT BY BANKS AND PERSONS OTHER THAN BROKERS OR DEALERS FOR THE PURPOSE OF PURCHASING OR CARRYING MARGIN STOCK (REGULATION U)"],"section":["221.124"],"section_title":["\u00a7 221.124 Purchase of debt securities to finance corporate takeovers."]},"_input_hash":2043548172,"_task_hash":-1959093241,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711823748,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) Petitions have been filed with the Board raising questions as to whether the margin requirements in this part apply to two types of corporate acquisitions in which debt securities are issued to finance the acquisition of margin stock of a target company., (b) In the first situation, the acquiring company, Company A, controls a shell corporation that would make a tender offer for the stock of Company B, which is margin stock (as defined in \u00a7 221.2). The shell corporation has virtually no operations, has no significant business function other than to acquire and hold the stock of Company B, and has substantially no assets other than the margin stock to be acquired. To finance the tender offer, the shell corporation would issue debt securities which, by their terms, would be unsecured. If the tender offer is successful, the shell corporation would seek to merge with Company B. However, the tender offer seeks to acquire fewer shares of Company B than is necessary under state law to effect a short form merger with Company B, which could be consummated without the approval of shareholders or the board of directors of Company B., (c) The purchase of the debt securities issued by the shell corporation to finance the acquisition clearly involves purpose credit (as defined in \u00a7 221.2). In addition, such debt securities would be purchased only by sophisticated investors in very large minimum denominations, so that the purchasers may be lenders for purposes of this part. See \u00a7 221.3(b). Since the debt securities contain no direct security agreement involving the margin stock, applicability of the lending restrictions of this part turns on whether the arrangement constitutes an extension of credit that is secured indirectly by margin stock., (d) As the Board has recognized, indirect security can encompass a wide variety of arrangements between lenders and borrowers with respect to margin stock collateral that serve to protect the lenders' interest in assuring that a credit is repaid where the lenders do not have a conventional direct security interest in the collateral. See \u00a7 221.124. However, credit is not \u201cindirectly secured\u201d by margin stock if the lender in good faith has not relied on the margin stock as collateral extending or maintaining credit. See \u00a7 221.2., (e) The Board is of the view that, in the situation described in paragraph (b) of this section, the debt securities would be presumed to be indirectly secured by the margin stock to be acquired by the shell acquisition vehicle. The staff has previously expressed the view that nominally unsecured credit extended to an investment company, a substantial portion of whose assets consist of margin stock, is indirectly secured by the margin stock. See Federal Reserve Regulatory Service 5-917.12. (See 12 CFR 261.10(f) for information on how to obtain Board publications.) This opinion notes that the investment company has substantially no assets other than margin stock to support indebtedness and thus credit could not be extended to such a company in good faith without reliance on the margin stock as collateral., (f) The Board believes that this rationale applies to the debt securities issued by the shell corporation described in paragraph (b) of this section. At the time the debt securities are issued, the shell corporation has substantially no assets to support the credit other than the margin stock that it has acquired or intends to acquire and has no significant business function other than to hold the stock of the target company in order to facilitate the acquisition. Moreover, it is possible that the shell may hold the margin stock for a significant and indefinite period of time, if defensive measures by the target prevent consummation of the acquisition. Because of the difficulty in predicting the outcome of a contested takeover at the time that credit is committed to the shell corporation, the Board believes that the purchasers of the debt securities could not, in good faith, lend without reliance on the margin stock as collateral. The presumption that the debt securities are indirectly secured by margin stock would not apply if there is specific evidence that lenders could in good faith rely on assets other than margin stock as collateral, such as a guaranty of the debt securities by the shell corporation's parent company or another company that has substantial non-margin stock assets or cash flow. This presumption would also not apply if there is a merger agreement between the acquiring and target companies entered into at the time the commitment is made to purchase the debt securities or in any event before loan funds are advanced. In addition, the presumption would not apply if the obligation of the purchasers of the debt securities to advance funds to the shell corporation is contingent on the shell's acquisition of the minimum number of shares necessary under applicable state law to effect a merger between the acquiring and target companies without the approval of either the shareholders or directors of the target company. In these two situations where the merger will take place promptly, the Board believes the lenders could reasonably be presumed to be relying on the assets of the target for repayment., (g) In addition, the Board is of the view that the debt securities described in paragraph (b) of this section are indirectly secured by margin stock because there is a practical restriction on the ability of the shell corporation to dispose of the margin stock of the target company. Indirectly secured is defined in \u00a7 221.2 to include any arrangement under which the customer's right or ability to sell, pledge, or otherwise dispose of margin stock owned by the customer is in any way restricted while the credit remains outstanding. The purchasers of the debt securities issued by a shell corporation to finance a takeover attempt clearly understand that the shell corporation intends to acquire the margin stock of the target company in order to effect the acquisition of that company. This understanding represents a practical restriction on the ability of the shell corporation to dispose of the target's margin stock and to acquire other assets with the proceeds of the credit., (h) In the second situation, Company C, an operating company with substantial assets or cash flow, seeks to acquire Company D, which is significantly larger than Company C. Company C establishes a shell corporation that together with Company C makes a tender offer for the shares of Company D, which is margin stock. To finance the tender offer, the shell corporation would obtain a bank loan that complies with the margin lending restrictions of this part and Company C would issue debt securities that would not be directly secured by any margin stock. The Board is of the opinion that these debt securities should not be presumed to be indirectly secured by the margin stock of Company D, since, as an operating business, Company C has substantial assets or cash flow without regard to the margin stock of Company D. Any presumption would not be appropriate because the purchasers of the debt securities may be relying on assets other than margin stock of Company D for repayment of the credit.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["221"],"part_title":["PART 221 - CREDIT BY BANKS AND PERSONS OTHER THAN BROKERS OR DEALERS FOR THE PURPOSE OF PURCHASING OR CARRYING MARGIN STOCK (REGULATION U)"],"section":["221.124"],"section_title":["\u00a7 221.124 Purchase of debt securities to finance corporate takeovers."]},"_input_hash":2043548172,"_task_hash":1352223136,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830245,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"Some of the terms you need to understand while reading this regulation are - , Aggregating means combing multiple requests for documents that could reasonably have been the subject of a single request and which occur within a 30-day period, by a single requester or by a group of requesters acting in concert that would otherwise involve unusual circumstances., Appeals Officer or FOIA Appeals Officer means a person designated by FHFA who processes appeals of denied FOIA requests for FHFA records., Chief FOIA Officer means the designated high-level official within FHFA (FHFA-OIG does not have a separate Chief FOIA Officer) who has overall responsibility for the agency's FOIA program and compliance with the FOIA., Confidential commercial information means records provided to the Federal Government by a submitter that contain material exempt from release under Exemption 4 of the FOIA, 5 U.S.C. 552(b)(4), because disclosure could reasonably be expected to cause substantial competitive harm., Days, unless stated as \u201ccalendar days,\u201d are working days and do not include Saturdays, Sundays, and Federal holidays. If the last day of any period prescribed herein falls on a Saturday, Sunday, or Federal holiday, the last day of the period will be the next working day that is not a Saturday, Sunday, or Federal holiday., Direct costs means the expenses, including contract services and retrieving documents from at a Federal records center operated by the National Archives and Records Administration, incurred by FHFA, in searching for, reviewing and/or duplicating records to respond to a request for information. In the case of a commercial use request, the term also means those expenditures FHFA actually incurs in reviewing records to respond to the request. Direct costs include the cost of the time of the employee performing the work, the cost of any computer searches, and the cost of operating duplication equipment. Direct costs do not include overhead expenses such as costs of space, and heating or lighting the facility in which the records are stored., Duplication means reproducing a copy of a record, or of the information contained in it, necessary to respond to a FOIA request. Copies can take the form of paper, audiovisual materials, or electronic records, among others., Employee, for the purposes of this regulation, means any person holding an appointment to a position of employment with FHFA, or any person who formerly held such an appointment; any conservator appointed by FHFA; or any agent or independent contractor acting on behalf of FHFA, even though the appointment or contract has terminated., Fee Waiver means the waiver or reduction of fees if the requester can demonstrate that certain statutory standards are met., FHFA means each separate component designated by the agency as a primary organizational unit that is responsible for processing FOIA requests, as specified in Appendices A and B to this part. FHFA has two components: Federal Housing Finance Agency Headquarters (FHFA-HQ) and FHFA Office of Inspector General (FHFA-OIG)., FOIA Officer, FOIA Official and Chief FOIA Officer are persons designated by FHFA to process and respond to requests for FHFA records under the FOIA., FOIA Public Liaison is a person designated by FHFA who is responsible for assisting requesters with their requests., Proactive disclosure means records that are required by the FOIA to be made publicly available, as well as additional records identified as being of interest to the public that are appropriate for public disclosure, and for posting and indexing such records., Readily reproducible means that the requested record or records exist in electronic format and can be downloaded or transferred intact to a computer disk, tape, or another electronic medium with equipment and software currently in use by FHFA., Record means information or documentary material FHFA maintains in any form or format, including electronic, which FHFA - , (1) Created or received under Federal law or in connection with the transaction of public business;, (2) Preserved or determined is appropriate for preservation as evidence of operations or activities of FHFA, or because of the value of the information it contains; and, (3) Controls at the time it receives a request under the FOIA., Regulated entities means the Federal Home Loan Mortgage Corporation, the Federal National Mortgage Association, and the Federal Home Loan Banks., Requester means any person seeking access to FHFA records under the FOIA. A requester falls into one of three categories for the purpose of determining what fees may be charged. The three categories are - , (1) Commercial - A request that asks for information for a use or a purpose that furthers a commercial, trade, or profit interest, which can include furthering those interests through litigation. A decision to place a requester in the commercial use category will be made on a case-by-case basis based on the requester's intended use of the information;, (2) Noncommercial - Three distinct subcategories - , (i) Educational institution - Any school that operates a program of scholarly research. A requester in this fee category must show that the request is authorized by, and is made under the auspices of, an educational institution and that the records are not sought for a commercial use, but rather are sought to further scholarly research. To fall with this fee category, the request must serve the scholarly research goals of the institution rather than an individual research goal. A student who makes a request in furtherance of their coursework or other school-sponsored activities and provides a copy of a course syllabus or other reasonable documentation to indicate the research purpose for the request would qualify as part of this fee category;, (ii) Noncommercial scientific institution - An institution that is not operated on a \u201ccommercial\u201d basis, as defined in this section and that is operated solely for the purpose of conducting scientific research the results of which are not intended to promote any particular product or industry. A request in this category must show that the request is authorized by and is made under the auspices of a qualifying institution and that the records are sought to further scientific research and are not for a commercial use; or, (iii) Representative of the news media - Any person or entity that publishes or broadcasts news to the public, actively gathers information of potential interest to a segment of the public, uses its editorial skills to turn the raw materials into distinct work, and distributes that work to an audience. The term \u201cnews\u201d means information that is about current events or that would be of current interest to the public; and, (3) Other - All requesters who do not fall within either of the preceding two categories., Requester Service Centers serve as the primary contacts for a requester when the requester has questions, is seeking information about how the FOIA works, or to check the status of their request., Review means the examination of a record located in response to a request in order to determine whether any portion of it is exempt from disclosure. Review time includes processing any record for disclosure, such as doing all that is necessary to prepare the record for disclosure, including the process of redacting the record and marking the appropriate exemptions. Review costs are properly charged even if a record ultimately is not disclosed. Review time also includes time spent both obtaining and considering any formal objection to disclosure made by a confidential commercial information submitter under \u00a7 1202.8(f) of this part., Search means the process of looking for and retrieving records or information responsive to a request, whether manually or by electronic means. Search time includes a page-by-page or line-by-line identification of information within a record and the reasonable efforts expanded to locate and retrieve information from electronic records., Submitter means any person or entity providing confidential information to the Federal Government. The term \u201csubmitter\u201d includes, but is not limited to corporations, state governments, and foreign governments., Unusual circumstances means the need to - , (1) Search for and collect records from agencies, offices, facilities, or locations that are separate from the office processing the request;, (2) Search for, collect, and appropriately examine a voluminous amount of separate and distinct records in order to process a single request; or, (3) Consult with another agency or among two or more components of the FHFA that have a substantial interest in the determination of a request., Vaughn index means an itemized index, used in litigation, correlating each withheld document (or portion) with a specific FOIA exemption and the relevant part of the agency's nondisclosure justification.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1202"],"part_title":["PART 1202 - FREEDOM OF INFORMATION ACT"],"section":["1202.2"],"section_title":["\u00a7 1202.2 What do the terms in this part mean?"]},"_input_hash":-598822991,"_task_hash":-1646557705,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844284,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"Some of the terms you need to understand while reading this regulation are - , Aggregating means combing multiple requests for documents that could reasonably have been the subject of a single request and which occur within a 30-day period, by a single requester or by a group of requesters acting in concert that would otherwise involve unusual circumstances., Appeals Officer or FOIA Appeals Officer means a person designated by FHFA who processes appeals of denied FOIA requests for FHFA records., Chief FOIA Officer means the designated high-level official within FHFA (FHFA-OIG does not have a separate Chief FOIA Officer) who has overall responsibility for the agency's FOIA program and compliance with the FOIA., Confidential commercial information means records provided to the Federal Government by a submitter that contain material exempt from release under Exemption 4 of the FOIA, 5 U.S.C. 552(b)(4), because disclosure could reasonably be expected to cause substantial competitive harm., Days, unless stated as \u201ccalendar days,\u201d are working days and do not include Saturdays, Sundays, and Federal holidays. If the last day of any period prescribed herein falls on a Saturday, Sunday, or Federal holiday, the last day of the period will be the next working day that is not a Saturday, Sunday, or Federal holiday., Direct costs means the expenses, including contract services and retrieving documents from at a Federal records center operated by the National Archives and Records Administration, incurred by FHFA, in searching for, reviewing and/or duplicating records to respond to a request for information. In the case of a commercial use request, the term also means those expenditures FHFA actually incurs in reviewing records to respond to the request. Direct costs include the cost of the time of the employee performing the work, the cost of any computer searches, and the cost of operating duplication equipment. Direct costs do not include overhead expenses such as costs of space, and heating or lighting the facility in which the records are stored., Duplication means reproducing a copy of a record, or of the information contained in it, necessary to respond to a FOIA request. Copies can take the form of paper, audiovisual materials, or electronic records, among others., Employee, for the purposes of this regulation, means any person holding an appointment to a position of employment with FHFA, or any person who formerly held such an appointment; any conservator appointed by FHFA; or any agent or independent contractor acting on behalf of FHFA, even though the appointment or contract has terminated., Fee Waiver means the waiver or reduction of fees if the requester can demonstrate that certain statutory standards are met., FHFA means each separate component designated by the agency as a primary organizational unit that is responsible for processing FOIA requests, as specified in Appendices A and B to this part. FHFA has two components: Federal Housing Finance Agency Headquarters (FHFA-HQ) and FHFA Office of Inspector General (FHFA-OIG)., FOIA Officer, FOIA Official and Chief FOIA Officer are persons designated by FHFA to process and respond to requests for FHFA records under the FOIA., FOIA Public Liaison is a person designated by FHFA who is responsible for assisting requesters with their requests., Proactive disclosure means records that are required by the FOIA to be made publicly available, as well as additional records identified as being of interest to the public that are appropriate for public disclosure, and for posting and indexing such records., Readily reproducible means that the requested record or records exist in electronic format and can be downloaded or transferred intact to a computer disk, tape, or another electronic medium with equipment and software currently in use by FHFA., Record means information or documentary material FHFA maintains in any form or format, including electronic, which FHFA - , (1) Created or received under Federal law or in connection with the transaction of public business;, (2) Preserved or determined is appropriate for preservation as evidence of operations or activities of FHFA, or because of the value of the information it contains; and, (3) Controls at the time it receives a request under the FOIA., Regulated entities means the Federal Home Loan Mortgage Corporation, the Federal National Mortgage Association, and the Federal Home Loan Banks., Requester means any person seeking access to FHFA records under the FOIA. A requester falls into one of three categories for the purpose of determining what fees may be charged. The three categories are - , (1) Commercial - A request that asks for information for a use or a purpose that furthers a commercial, trade, or profit interest, which can include furthering those interests through litigation. A decision to place a requester in the commercial use category will be made on a case-by-case basis based on the requester's intended use of the information;, (2) Noncommercial - Three distinct subcategories - , (i) Educational institution - Any school that operates a program of scholarly research. A requester in this fee category must show that the request is authorized by, and is made under the auspices of, an educational institution and that the records are not sought for a commercial use, but rather are sought to further scholarly research. To fall with this fee category, the request must serve the scholarly research goals of the institution rather than an individual research goal. A student who makes a request in furtherance of their coursework or other school-sponsored activities and provides a copy of a course syllabus or other reasonable documentation to indicate the research purpose for the request would qualify as part of this fee category;, (ii) Noncommercial scientific institution - An institution that is not operated on a \u201ccommercial\u201d basis, as defined in this section and that is operated solely for the purpose of conducting scientific research the results of which are not intended to promote any particular product or industry. A request in this category must show that the request is authorized by and is made under the auspices of a qualifying institution and that the records are sought to further scientific research and are not for a commercial use; or, (iii) Representative of the news media - Any person or entity that publishes or broadcasts news to the public, actively gathers information of potential interest to a segment of the public, uses its editorial skills to turn the raw materials into distinct work, and distributes that work to an audience. The term \u201cnews\u201d means information that is about current events or that would be of current interest to the public; and, (3) Other - All requesters who do not fall within either of the preceding two categories., Requester Service Centers serve as the primary contacts for a requester when the requester has questions, is seeking information about how the FOIA works, or to check the status of their request., Review means the examination of a record located in response to a request in order to determine whether any portion of it is exempt from disclosure. Review time includes processing any record for disclosure, such as doing all that is necessary to prepare the record for disclosure, including the process of redacting the record and marking the appropriate exemptions. Review costs are properly charged even if a record ultimately is not disclosed. Review time also includes time spent both obtaining and considering any formal objection to disclosure made by a confidential commercial information submitter under \u00a7 1202.8(f) of this part., Search means the process of looking for and retrieving records or information responsive to a request, whether manually or by electronic means. Search time includes a page-by-page or line-by-line identification of information within a record and the reasonable efforts expanded to locate and retrieve information from electronic records., Submitter means any person or entity providing confidential information to the Federal Government. The term \u201csubmitter\u201d includes, but is not limited to corporations, state governments, and foreign governments., Unusual circumstances means the need to - , (1) Search for and collect records from agencies, offices, facilities, or locations that are separate from the office processing the request;, (2) Search for, collect, and appropriately examine a voluminous amount of separate and distinct records in order to process a single request; or, (3) Consult with another agency or among two or more components of the FHFA that have a substantial interest in the determination of a request., Vaughn index means an itemized index, used in litigation, correlating each withheld document (or portion) with a specific FOIA exemption and the relevant part of the agency's nondisclosure justification.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1202"],"part_title":["PART 1202 - FREEDOM OF INFORMATION ACT"],"section":["1202.2"],"section_title":["\u00a7 1202.2 What do the terms in this part mean?"]},"_input_hash":-598822991,"_task_hash":-1646557705,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815492,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"Some of the terms you need to understand while reading this regulation are - , Aggregating means combing multiple requests for documents that could reasonably have been the subject of a single request and which occur within a 30-day period, by a single requester or by a group of requesters acting in concert that would otherwise involve unusual circumstances., Appeals Officer or FOIA Appeals Officer means a person designated by FHFA who processes appeals of denied FOIA requests for FHFA records., Chief FOIA Officer means the designated high-level official within FHFA (FHFA-OIG does not have a separate Chief FOIA Officer) who has overall responsibility for the agency's FOIA program and compliance with the FOIA., Confidential commercial information means records provided to the Federal Government by a submitter that contain material exempt from release under Exemption 4 of the FOIA, 5 U.S.C. 552(b)(4), because disclosure could reasonably be expected to cause substantial competitive harm., Days, unless stated as \u201ccalendar days,\u201d are working days and do not include Saturdays, Sundays, and Federal holidays. If the last day of any period prescribed herein falls on a Saturday, Sunday, or Federal holiday, the last day of the period will be the next working day that is not a Saturday, Sunday, or Federal holiday., Direct costs means the expenses, including contract services and retrieving documents from at a Federal records center operated by the National Archives and Records Administration, incurred by FHFA, in searching for, reviewing and/or duplicating records to respond to a request for information. In the case of a commercial use request, the term also means those expenditures FHFA actually incurs in reviewing records to respond to the request. Direct costs include the cost of the time of the employee performing the work, the cost of any computer searches, and the cost of operating duplication equipment. Direct costs do not include overhead expenses such as costs of space, and heating or lighting the facility in which the records are stored., Duplication means reproducing a copy of a record, or of the information contained in it, necessary to respond to a FOIA request. Copies can take the form of paper, audiovisual materials, or electronic records, among others., Employee, for the purposes of this regulation, means any person holding an appointment to a position of employment with FHFA, or any person who formerly held such an appointment; any conservator appointed by FHFA; or any agent or independent contractor acting on behalf of FHFA, even though the appointment or contract has terminated., Fee Waiver means the waiver or reduction of fees if the requester can demonstrate that certain statutory standards are met., FHFA means each separate component designated by the agency as a primary organizational unit that is responsible for processing FOIA requests, as specified in Appendices A and B to this part. FHFA has two components: Federal Housing Finance Agency Headquarters (FHFA-HQ) and FHFA Office of Inspector General (FHFA-OIG)., FOIA Officer, FOIA Official and Chief FOIA Officer are persons designated by FHFA to process and respond to requests for FHFA records under the FOIA., FOIA Public Liaison is a person designated by FHFA who is responsible for assisting requesters with their requests., Proactive disclosure means records that are required by the FOIA to be made publicly available, as well as additional records identified as being of interest to the public that are appropriate for public disclosure, and for posting and indexing such records., Readily reproducible means that the requested record or records exist in electronic format and can be downloaded or transferred intact to a computer disk, tape, or another electronic medium with equipment and software currently in use by FHFA., Record means information or documentary material FHFA maintains in any form or format, including electronic, which FHFA - , (1) Created or received under Federal law or in connection with the transaction of public business;, (2) Preserved or determined is appropriate for preservation as evidence of operations or activities of FHFA, or because of the value of the information it contains; and, (3) Controls at the time it receives a request under the FOIA., Regulated entities means the Federal Home Loan Mortgage Corporation, the Federal National Mortgage Association, and the Federal Home Loan Banks., Requester means any person seeking access to FHFA records under the FOIA. A requester falls into one of three categories for the purpose of determining what fees may be charged. The three categories are - , (1) Commercial - A request that asks for information for a use or a purpose that furthers a commercial, trade, or profit interest, which can include furthering those interests through litigation. A decision to place a requester in the commercial use category will be made on a case-by-case basis based on the requester's intended use of the information;, (2) Noncommercial - Three distinct subcategories - , (i) Educational institution - Any school that operates a program of scholarly research. A requester in this fee category must show that the request is authorized by, and is made under the auspices of, an educational institution and that the records are not sought for a commercial use, but rather are sought to further scholarly research. To fall with this fee category, the request must serve the scholarly research goals of the institution rather than an individual research goal. A student who makes a request in furtherance of their coursework or other school-sponsored activities and provides a copy of a course syllabus or other reasonable documentation to indicate the research purpose for the request would qualify as part of this fee category;, (ii) Noncommercial scientific institution - An institution that is not operated on a \u201ccommercial\u201d basis, as defined in this section and that is operated solely for the purpose of conducting scientific research the results of which are not intended to promote any particular product or industry. A request in this category must show that the request is authorized by and is made under the auspices of a qualifying institution and that the records are sought to further scientific research and are not for a commercial use; or, (iii) Representative of the news media - Any person or entity that publishes or broadcasts news to the public, actively gathers information of potential interest to a segment of the public, uses its editorial skills to turn the raw materials into distinct work, and distributes that work to an audience. The term \u201cnews\u201d means information that is about current events or that would be of current interest to the public; and, (3) Other - All requesters who do not fall within either of the preceding two categories., Requester Service Centers serve as the primary contacts for a requester when the requester has questions, is seeking information about how the FOIA works, or to check the status of their request., Review means the examination of a record located in response to a request in order to determine whether any portion of it is exempt from disclosure. Review time includes processing any record for disclosure, such as doing all that is necessary to prepare the record for disclosure, including the process of redacting the record and marking the appropriate exemptions. Review costs are properly charged even if a record ultimately is not disclosed. Review time also includes time spent both obtaining and considering any formal objection to disclosure made by a confidential commercial information submitter under \u00a7 1202.8(f) of this part., Search means the process of looking for and retrieving records or information responsive to a request, whether manually or by electronic means. Search time includes a page-by-page or line-by-line identification of information within a record and the reasonable efforts expanded to locate and retrieve information from electronic records., Submitter means any person or entity providing confidential information to the Federal Government. The term \u201csubmitter\u201d includes, but is not limited to corporations, state governments, and foreign governments., Unusual circumstances means the need to - , (1) Search for and collect records from agencies, offices, facilities, or locations that are separate from the office processing the request;, (2) Search for, collect, and appropriately examine a voluminous amount of separate and distinct records in order to process a single request; or, (3) Consult with another agency or among two or more components of the FHFA that have a substantial interest in the determination of a request., Vaughn index means an itemized index, used in litigation, correlating each withheld document (or portion) with a specific FOIA exemption and the relevant part of the agency's nondisclosure justification.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1202"],"part_title":["PART 1202 - FREEDOM OF INFORMATION ACT"],"section":["1202.2"],"section_title":["\u00a7 1202.2 What do the terms in this part mean?"]},"_input_hash":-598822991,"_task_hash":268378551,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830254,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Acceptance of notice, additional information. The FDIC shall notify the person or persons submitting a notice under this subpart in writing of the date the notice is accepted as substantially complete. The FDIC may request additional information at any time., (b) Commencement of the 60-day notice period: consummation of acquisition. (1) The 60-day notice period specified in \u00a7 303.82 shall commence on the day after the date of acceptance of a substantially complete notice by the appropriate regional director. The notificant(s) may consummate the proposed acquisition after the expiration of the 60-day notice period, unless the FDIC disapproves the proposed acquisition or extends the notice period as provided in the CBCA., (2) The notificant(s) may consummate the proposed transaction before the expiration of the 60-day period, including any extensions, if the FDIC notifies the notificant(s) in writing of its intention not to disapprove the acquisition., (c) Disapproval of acquisition of control. Subpart D of 12 CFR part 308 sets forth the rules of practice and procedure for a notice of disapproval.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["303"],"part_title":["PART 303 - FILING PROCEDURES"],"section":["303.86"],"section_title":["\u00a7 303.86 Processing."]},"_input_hash":1818644388,"_task_hash":-1410401062,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844286,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) Acceptance of notice, additional information. The FDIC shall notify the person or persons submitting a notice under this subpart in writing of the date the notice is accepted as substantially complete. The FDIC may request additional information at any time., (b) Commencement of the 60-day notice period: consummation of acquisition. (1) The 60-day notice period specified in \u00a7 303.82 shall commence on the day after the date of acceptance of a substantially complete notice by the appropriate regional director. The notificant(s) may consummate the proposed acquisition after the expiration of the 60-day notice period, unless the FDIC disapproves the proposed acquisition or extends the notice period as provided in the CBCA., (2) The notificant(s) may consummate the proposed transaction before the expiration of the 60-day period, including any extensions, if the FDIC notifies the notificant(s) in writing of its intention not to disapprove the acquisition., (c) Disapproval of acquisition of control. Subpart D of 12 CFR part 308 sets forth the rules of practice and procedure for a notice of disapproval.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["303"],"part_title":["PART 303 - FILING PROCEDURES"],"section":["303.86"],"section_title":["\u00a7 303.86 Processing."]},"_input_hash":1818644388,"_task_hash":-1410401062,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815559,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) Acceptance of notice, additional information. The FDIC shall notify the person or persons submitting a notice under this subpart in writing of the date the notice is accepted as substantially complete. The FDIC may request additional information at any time., (b) Commencement of the 60-day notice period: consummation of acquisition. (1) The 60-day notice period specified in \u00a7 303.82 shall commence on the day after the date of acceptance of a substantially complete notice by the appropriate regional director. The notificant(s) may consummate the proposed acquisition after the expiration of the 60-day notice period, unless the FDIC disapproves the proposed acquisition or extends the notice period as provided in the CBCA., (2) The notificant(s) may consummate the proposed transaction before the expiration of the 60-day period, including any extensions, if the FDIC notifies the notificant(s) in writing of its intention not to disapprove the acquisition., (c) Disapproval of acquisition of control. Subpart D of 12 CFR part 308 sets forth the rules of practice and procedure for a notice of disapproval.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["303"],"part_title":["PART 303 - FILING PROCEDURES"],"section":["303.86"],"section_title":["\u00a7 303.86 Processing."]},"_input_hash":1818644388,"_task_hash":-1950610170,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830255,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false},{"text":"(a) Acceptance of notice, additional information. The FDIC shall notify the person or persons submitting a notice under this subpart in writing of the date the notice is accepted as substantially complete. The FDIC may request additional information at any time., (b) Commencement of the 60-day notice period: consummation of acquisition. (1) The 60-day notice period specified in \u00a7 303.82 shall commence on the day after the date of acceptance of a substantially complete notice by the appropriate regional director. The notificant(s) may consummate the proposed acquisition after the expiration of the 60-day notice period, unless the FDIC disapproves the proposed acquisition or extends the notice period as provided in the CBCA., (2) The notificant(s) may consummate the proposed transaction before the expiration of the 60-day period, including any extensions, if the FDIC notifies the notificant(s) in writing of its intention not to disapprove the acquisition., (c) Disapproval of acquisition of control. Subpart D of 12 CFR part 308 sets forth the rules of practice and procedure for a notice of disapproval.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["303"],"part_title":["PART 303 - FILING PROCEDURES"],"section":["303.86"],"section_title":["\u00a7 303.86 Processing."]},"_input_hash":1818644388,"_task_hash":1732806205,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711840015,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"A qualified lender must:, (a) Disclose the effective interest rate and other information required by subparts B and C of this part clearly and conspicuously in writing, in a form that is easy to read and understand and that the borrower may keep; and, (b) Not combine the disclosures with any information not directly related to the information required by \u00a7\u00a7 617.7130 and 617.7135.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["617"],"part_title":["PART 617 - BORROWER RIGHTS"],"section":["617.7120"],"section_title":["\u00a7 617.7120 How should a qualified lender present the disclosures to a borrower?"]},"_input_hash":-528399463,"_task_hash":21380367,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816052,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"A qualified lender must:, (a) Disclose the effective interest rate and other information required by subparts B and C of this part clearly and conspicuously in writing, in a form that is easy to read and understand and that the borrower may keep; and, (b) Not combine the disclosures with any information not directly related to the information required by \u00a7\u00a7 617.7130 and 617.7135.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["617"],"part_title":["PART 617 - BORROWER RIGHTS"],"section":["617.7120"],"section_title":["\u00a7 617.7120 How should a qualified lender present the disclosures to a borrower?"]},"_input_hash":-528399463,"_task_hash":21380367,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816052,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) General. As a condition of Federal deposit insurance, all insured depository institutions must remain in a safe and sound condition., (b) Unsafe or unsound practice. Any insured depository institution which has less than its minimum leverage capital requirement is deemed to be engaged in an unsafe or unsound practice pursuant to section 8(b)(1) and/or 8(c) of the Federal Deposit Insurance Act (12 U.S.C. 1818(b)(1) and/or 1818(c)). Except that such an insured depository institution which has entered into and is in compliance with a written agreement with the FDIC or has submitted to the FDIC and is in compliance with a plan approved by the FDIC to increase its leverage capital ratio to such level as the FDIC deems appropriate and to take such other action as may be necessary for the insured depository institution to be operated so as not to be engaged in such an unsafe or unsound practice will not be deemed to be engaged in an unsafe or unsound practice pursuant to section 8(b)(1) and/or 8(c) of the Federal Deposit Insurance Act (12 U.S.C. 1818(b)(1) and/or 1818(c)) on account of its capital ratios. The FDIC is not precluded from taking action under section 8(b)(1), section 8(c) or any other enforcement action against an insured depository institution with capital above the minimum requirement if the specific circumstances deem such action to be appropriate., (c) Unsafe or unsound condition. Any insured depository institution with a ratio of tier 1 capital to total assets 10 that is less than two percent is deemed to be operating in an unsafe or unsound condition pursuant to section 8(a) of the Federal Deposit Insurance Act (12 U.S.C. 1818(a))., 10 For purposes of this paragraph (c), until January 1, 2015, the term total assets shall have the same meaning as provided in 12 CFR 325.2(x). As of January 1, 2015, the term total assets shall have the same meaning as provided in 12 CFR 324.401(g)., (1) An insured depository institution with a ratio of tier 1 capital to total assets of less than two percent which has entered into and is in compliance with a written agreement with the FDIC (or any other insured depository institution with a ratio of tier 1 capital to total assets of less than two percent which has entered into and is in compliance with a written agreement with its primary Federal regulator and to which agreement the FDIC is a party) to increase its tier 1 leverage capital ratio to such level as the FDIC deems appropriate and to take such other action as may be necessary for the insured depository institution to be operated in a safe and sound manner, will not be subject to a proceeding by the FDIC pursuant to 12 U.S.C. 1818(a) on account of its capital ratios., (2) An insured depository institution with a ratio of tier 1 capital to total assets that is equal to or greater than two percent may be operating in an unsafe or unsound condition. The FDIC is not precluded from bringing an action pursuant to 12 U.S.C. 1818(a) where an insured depository institution has a ratio of tier 1 capital to total assets that is equal to or greater than two percent.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["324"],"part_title":["PART 324 - CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS"],"section":["324.4"],"section_title":["\u00a7 324.4 Inadequate capital as an unsafe or unsound practice or condition."]},"_input_hash":-1407226008,"_task_hash":-1616354852,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816128,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) General. As a condition of Federal deposit insurance, all insured depository institutions must remain in a safe and sound condition., (b) Unsafe or unsound practice. Any insured depository institution which has less than its minimum leverage capital requirement is deemed to be engaged in an unsafe or unsound practice pursuant to section 8(b)(1) and/or 8(c) of the Federal Deposit Insurance Act (12 U.S.C. 1818(b)(1) and/or 1818(c)). Except that such an insured depository institution which has entered into and is in compliance with a written agreement with the FDIC or has submitted to the FDIC and is in compliance with a plan approved by the FDIC to increase its leverage capital ratio to such level as the FDIC deems appropriate and to take such other action as may be necessary for the insured depository institution to be operated so as not to be engaged in such an unsafe or unsound practice will not be deemed to be engaged in an unsafe or unsound practice pursuant to section 8(b)(1) and/or 8(c) of the Federal Deposit Insurance Act (12 U.S.C. 1818(b)(1) and/or 1818(c)) on account of its capital ratios. The FDIC is not precluded from taking action under section 8(b)(1), section 8(c) or any other enforcement action against an insured depository institution with capital above the minimum requirement if the specific circumstances deem such action to be appropriate., (c) Unsafe or unsound condition. Any insured depository institution with a ratio of tier 1 capital to total assets 10 that is less than two percent is deemed to be operating in an unsafe or unsound condition pursuant to section 8(a) of the Federal Deposit Insurance Act (12 U.S.C. 1818(a))., 10 For purposes of this paragraph (c), until January 1, 2015, the term total assets shall have the same meaning as provided in 12 CFR 325.2(x). As of January 1, 2015, the term total assets shall have the same meaning as provided in 12 CFR 324.401(g)., (1) An insured depository institution with a ratio of tier 1 capital to total assets of less than two percent which has entered into and is in compliance with a written agreement with the FDIC (or any other insured depository institution with a ratio of tier 1 capital to total assets of less than two percent which has entered into and is in compliance with a written agreement with its primary Federal regulator and to which agreement the FDIC is a party) to increase its tier 1 leverage capital ratio to such level as the FDIC deems appropriate and to take such other action as may be necessary for the insured depository institution to be operated in a safe and sound manner, will not be subject to a proceeding by the FDIC pursuant to 12 U.S.C. 1818(a) on account of its capital ratios., (2) An insured depository institution with a ratio of tier 1 capital to total assets that is equal to or greater than two percent may be operating in an unsafe or unsound condition. The FDIC is not precluded from bringing an action pursuant to 12 U.S.C. 1818(a) where an insured depository institution has a ratio of tier 1 capital to total assets that is equal to or greater than two percent.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["324"],"part_title":["PART 324 - CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS"],"section":["324.4"],"section_title":["\u00a7 324.4 Inadequate capital as an unsafe or unsound practice or condition."]},"_input_hash":-1407226008,"_task_hash":-1616354852,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816128,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) General. A mutual holding company shall operate under bylaws that contain provisions that comply with all requirements specified by the Board, the provisions of this section, the mutual holding company's charter, and all other applicable laws, rules, and regulations provided that, a bylaw provision inconsistent with the provisions of this section may be adopted with the approval of the Board. Bylaws may be adopted, amended or repealed by a majority of the votes cast by the members at a legal meeting or a majority of the mutual holding company's board of directors. Throughout this section, the term \u201ctrustee\u201d may be substituted for the term \u201cdirector\u201d as relevant., (b) The following requirements are applicable to mutual holding companies:, (1) Annual meetings of members. A mutual holding company shall provide for and conduct an annual meeting of its members for the election of directors and at which any other business of the mutual holding company may be conducted. Such meeting shall be held, as designated by its board of directors, at a location within the state that constitutes the principal place of business of the subsidiary savings association, or at any other convenient place the board of directors may designate, and at a date and time within 150 days after the end of the mutual holding company's fiscal year. At each annual meeting, the officers shall make a full report of the financial condition of the mutual holding company and of its progress for the preceding year and shall outline a program for the succeeding year., (2) Special meetings of members. Procedures for calling any special meeting of the members and for conducting such a meeting shall be set forth in the bylaws. The subject matter of such special meeting must be established in the notice for such meeting. The board of directors of the mutual holding company or the holders of 10 percent or more of the voting capital shall be entitled to call a special meeting. For purposes of this section, \u201cvoting capital\u201d means FDIC-insured deposits as of the voting record date., (3) Notice of meeting of members. Notice specifying the date, time, and place of the annual or any special meeting and adequately describing any business to be conducted shall be published for two successive weeks immediately prior to the week in which such meeting shall convene in a newspaper of general circulation in the city or county in which the principal place of business of the subsidiary savings association is located, or mailed postage prepaid at least 15 days and not more than 45 days prior to the date on which such meeting shall convene to each of its members of record at the last address appearing on the books of the mutual holding company. A similar notice shall be posted in a conspicuous place in each of the offices of the subsidiary savings association during the 14 days immediately preceding the date on which such meeting shall convene. The bylaws may permit a member to waive in writing any right to receive personal delivery of the notice. When any meeting is adjourned for 30 days or more, notice of the adjournment and reconvening of the meeting shall be given as in the case of the original meeting., (4) Fixing of record date. For the purpose of determining members entitled to notice of or to vote at any meeting of members or any adjournment thereof, or in order to make a determination of members for any other proper purpose, the bylaws shall provide for the fixing of a record date and a method for determining from the books of the subsidiary savings association the members entitled to vote. Such date shall be not more than 60 days or fewer than 10 days prior to the date on which the action, requiring such determination of members, is to be taken. The same determination shall apply to any adjourned meeting., (5) Member quorum. Any number of members present and voting, represented in person or by proxy, at a regular or special meeting of the members shall constitute a quorum. A majority of all votes cast at any meeting of the members shall determine any question, unless otherwise required by regulation. At any adjourned meeting, any business may be transacted that might have been transacted at the meeting as originally called. Members present at a duly constituted meeting may continue to transact business until adjournment., (6) Voting by proxy. Procedures shall be established for voting at any annual or special meeting of the members by proxy pursuant to the rules and regulations of the Board, including the placing of such proxies on file with the secretary of the mutual holding company, for verification, prior to the convening of such meeting. Proxies may be given telephonically or electronically as long as the holder uses a procedure for verifying the identity of the member. All proxies with a term greater than eleven months or solicited at the expense of the subsidiary savings association must run to the board of directors as a whole, or to a committee appointed by a majority of such board., (7) Communications between members. Provisions relating to communications between members shall be consistent with \u00a7 239.12. No member, however, shall have the right to inspect or copy any portion of any books or records of a mutual holding company containing:, (i) A list of depositors in or borrowers from the subsidiary savings association;, (ii) Their addresses;, (iii) Individual deposit or loan balances or records; or, (iv) Any data from which such information could be reasonably constructed., (8) Number of directors, membership. The bylaws shall set forth a specific number of directors, not a range. The number of directors shall be not fewer than five nor more than fifteen, unless a higher or lower number has been authorized by the Board. Each director of the mutual holding company shall be a member of the mutual holding company. Directors may be elected for periods of one to three years and until their successors are elected and qualified, but if a staggered board is chosen, provision shall be made for the election of approximately one-third or one-half of the board each year, as appropriate., (9) Meetings of the board. The board of directors shall determine the place, frequency, time, procedure for notice, which shall be at least 24 hours unless waived by the directors, and waiver of notice for all regular and special meetings. The meetings shall be under the direction of a chairman, appointed annually by the board; or in the absence of the chairman, the meetings shall be under the direction of the president. The board also may permit telephonic participation at meetings. The bylaws may provide for action to be taken without a meeting if unanimous written consent is obtained for such action. A majority of the authorized directors shall constitute a quorum for the transaction of business. The act of a majority of the directors present at any meeting at which there is a quorum shall be the act of the board., (10) Officers, employees, and agents. (i) The bylaws shall contain provisions regarding the officers of the mutual holding company, their functions, duties, and powers. The officers of the mutual holding company shall consist of a president, one or more vice presidents, a secretary, and a treasurer or comptroller, each of whom shall be elected annually by the board of directors. Such other officers and assistant officers and agents as may be deemed necessary may be elected or appointed by the board of directors or chosen in such other manner as may be prescribed in the bylaws. Any two or more offices may be held by the same person, except the offices of president and secretary., (ii) All officers and agents of the mutual holding company, as between themselves and the mutual holding company, shall have such authority and perform such duties in the management of the mutual holding company as may be provided in the bylaws, or as may be determined by resolution of the board of directors not inconsistent with the bylaws. In the absence of any such provision, officers shall have such powers and duties as generally pertain to their respective offices. Any officer may be removed by the board of directors with or without cause, but such removal, other than for cause, shall be without prejudice to the contractual rights, if any, of the officer so removed., (iii) Any indemnification provision must provide that any indemnification is subject to applicable Federal law, rules, and regulations., (11) Vacancies, resignation or removal of directors. Members of the mutual holding company shall elect directors by ballot: Provided, that in the event of a vacancy on the board, the board of directors may, by their affirmative vote, fill such vacancy, even if the remaining directors constitute less than a quorum. A director elected to fill a vacancy shall be elected to serve only until the next election of directors by the members. The bylaws shall set out the procedure for the resignation of a director, which shall be by written notice or by any other procedure established in the bylaws. Directors may be removed only for cause as defined in \u00a7 239.41, by a vote of the holders of a majority of the shares then entitled to vote at an election of directors., (12) Powers of the board. The board of directors shall have the power:, (i) By resolution, to appoint from among its members and remove an executive committee and one or more other committees, which committees shall have and may exercise all the powers of the board between the meetings or the board; but no such committee shall have the authority of the board to amend the charter or bylaws, adopt a plan of merger, consolidation, dissolution, or provide for the disposition of all or substantially all the property and assets of the mutual holding company. Such committee shall not operate to relieve the board, or any member thereof, of any responsibility imposed by law;, (ii) To fix the compensation of directors, officers, and employees; and to remove any officer or employee at any time with or without cause;, (iii) To exercise any and all of the powers of the mutual holding company not expressly reserved by the charter to the members., (13) Nominations for directors. The bylaws shall provide that nominations for directors may be made at the annual meeting by any member and shall be voted upon, except, however, the bylaws may require that nominations by a member must be submitted to the secretary and then prominently posted in the principal place of business, at least 10 days prior to the date of the annual meeting. However, if such provision is made for prior submission of nominations by a member, then the bylaws must provide for a nominating committee, which, except in the case of a nominee substituted as a result of death or other incapacity, must submit nominations to the secretary and have such nominations similarly posted at least 15 days prior to the date of the annual meeting., (14) New business. The bylaws shall provide procedures for the introduction of new business at the annual meeting. Those provisions may require that such new business be stated in writing and filed with the secretary prior to the annual meeting at least 30 days prior to the date of the annual meeting., (15) Amendment. Bylaws may include any provision for their amendment that would be consistent with applicable law, rules, and regulations and adequately addresses its subject and purpose., (i) Amendments shall be effective:, (A) After approval by a majority vote of the authorized board, or by a majority of the vote cast by the members of the mutual holding company at a legal meeting; and, (B) After receipt of any applicable regulatory approval., (ii) When a mutual holding company fails to meet its quorum requirement, solely due to vacancies on the board, the bylaws may be amended by an affirmative vote of a majority of the sitting board., (16) Miscellaneous. The bylaws may also address the subject of age limitations for directors or officers as long as they are consistent with applicable Federal law, rules or regulations, and any other subjects necessary or appropriate for effective operation of the mutual holding company., (c) Form of filing - (1) Application requirement. (i) Any bylaw amendment shall be submitted to the appropriate Reserve Bank for approval if it would:, (A) Render more difficult or discourage a merger, proxy contest, the assumption of control by a mutual account holder of the mutual holding company, or the removal of incumbent management;, (B) Involve a significant issue of law or policy, including indemnification, conflicts of interest, and limitations on director or officer liability; or, (C) Be inconsistent with the requirements of this section or with applicable laws, rules, regulations, or the mutual holding company's charter., (ii) Applications submitted under paragraph (c)(1)(i) of this section are subject to the processing procedures at \u00a7 238.14 of this chapter., (iii) For purposes of this paragraph (c), bylaw provisions that adopt the language of the model bylaws contained in appendix C to this part, if adopted without change, and filed with Board within 30 days after adoption, are effective upon adoption. The Board may amend the model bylaws provided in appendix C to this part., (2) Filing requirement. If the proposed bylaw amendment does not implicate paragraph (c)(1) or (c)(3) of this section, then the mutual holding company shall submit the amendment to the appropriate Reserve Bank at least 30 days prior to the date the bylaw amendment is to be adopted by the mutual holding company., (3) Corporate governance procedures. A mutual holding company may elect to follow the corporate governance procedures of the laws of the state where the main office of the institution is located, provided that such procedures may be elected only to the extent not inconsistent with applicable Federal statutes, regulations, and safety and soundness, and such procedures are not of the type described in paragraph (c)(1)(i) of this section. If this election is selected, a mutual holding company shall designate in its bylaws the provision or provisions from the body of law selected for its corporate governance procedures, and shall file a copy of such bylaws, which are effective upon adoption, within 30 days after adoption. The submission shall indicate, where not obvious, why the bylaw provisions do not require an application under paragraph (c)(1)(i) of this section., (d) Effectiveness. Any bylaw amendment filed pursuant to paragraph (c)(2) of this section shall automatically be effective 30 days from the date of filing of such amendment, provided that the mutual holding company follows the requirements of its charter and bylaws in adopting such amendment, unless the Board notifies the mutual holding company prior to the expiration of the 30-day period that such amendment is rejected or that such amendment requires an application to be filed pursuant to paragraph (c)(1) of this section., (e) Availability of bylaws. A mutual holding company shall make available to its members at all times in the offices of each subsidiary savings association from which the mutual holding company draws members a true copy of its bylaws, including any amendments, and shall deliver such a copy to any member upon request.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["239"],"part_title":["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"],"section":["239.15"],"section_title":["\u00a7 239.15 Bylaws."]},"_input_hash":1242764761,"_task_hash":-1809631105,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816197,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) General. A mutual holding company shall operate under bylaws that contain provisions that comply with all requirements specified by the Board, the provisions of this section, the mutual holding company's charter, and all other applicable laws, rules, and regulations provided that, a bylaw provision inconsistent with the provisions of this section may be adopted with the approval of the Board. Bylaws may be adopted, amended or repealed by a majority of the votes cast by the members at a legal meeting or a majority of the mutual holding company's board of directors. Throughout this section, the term \u201ctrustee\u201d may be substituted for the term \u201cdirector\u201d as relevant., (b) The following requirements are applicable to mutual holding companies:, (1) Annual meetings of members. A mutual holding company shall provide for and conduct an annual meeting of its members for the election of directors and at which any other business of the mutual holding company may be conducted. Such meeting shall be held, as designated by its board of directors, at a location within the state that constitutes the principal place of business of the subsidiary savings association, or at any other convenient place the board of directors may designate, and at a date and time within 150 days after the end of the mutual holding company's fiscal year. At each annual meeting, the officers shall make a full report of the financial condition of the mutual holding company and of its progress for the preceding year and shall outline a program for the succeeding year., (2) Special meetings of members. Procedures for calling any special meeting of the members and for conducting such a meeting shall be set forth in the bylaws. The subject matter of such special meeting must be established in the notice for such meeting. The board of directors of the mutual holding company or the holders of 10 percent or more of the voting capital shall be entitled to call a special meeting. For purposes of this section, \u201cvoting capital\u201d means FDIC-insured deposits as of the voting record date., (3) Notice of meeting of members. Notice specifying the date, time, and place of the annual or any special meeting and adequately describing any business to be conducted shall be published for two successive weeks immediately prior to the week in which such meeting shall convene in a newspaper of general circulation in the city or county in which the principal place of business of the subsidiary savings association is located, or mailed postage prepaid at least 15 days and not more than 45 days prior to the date on which such meeting shall convene to each of its members of record at the last address appearing on the books of the mutual holding company. A similar notice shall be posted in a conspicuous place in each of the offices of the subsidiary savings association during the 14 days immediately preceding the date on which such meeting shall convene. The bylaws may permit a member to waive in writing any right to receive personal delivery of the notice. When any meeting is adjourned for 30 days or more, notice of the adjournment and reconvening of the meeting shall be given as in the case of the original meeting., (4) Fixing of record date. For the purpose of determining members entitled to notice of or to vote at any meeting of members or any adjournment thereof, or in order to make a determination of members for any other proper purpose, the bylaws shall provide for the fixing of a record date and a method for determining from the books of the subsidiary savings association the members entitled to vote. Such date shall be not more than 60 days or fewer than 10 days prior to the date on which the action, requiring such determination of members, is to be taken. The same determination shall apply to any adjourned meeting., (5) Member quorum. Any number of members present and voting, represented in person or by proxy, at a regular or special meeting of the members shall constitute a quorum. A majority of all votes cast at any meeting of the members shall determine any question, unless otherwise required by regulation. At any adjourned meeting, any business may be transacted that might have been transacted at the meeting as originally called. Members present at a duly constituted meeting may continue to transact business until adjournment., (6) Voting by proxy. Procedures shall be established for voting at any annual or special meeting of the members by proxy pursuant to the rules and regulations of the Board, including the placing of such proxies on file with the secretary of the mutual holding company, for verification, prior to the convening of such meeting. Proxies may be given telephonically or electronically as long as the holder uses a procedure for verifying the identity of the member. All proxies with a term greater than eleven months or solicited at the expense of the subsidiary savings association must run to the board of directors as a whole, or to a committee appointed by a majority of such board., (7) Communications between members. Provisions relating to communications between members shall be consistent with \u00a7 239.12. No member, however, shall have the right to inspect or copy any portion of any books or records of a mutual holding company containing:, (i) A list of depositors in or borrowers from the subsidiary savings association;, (ii) Their addresses;, (iii) Individual deposit or loan balances or records; or, (iv) Any data from which such information could be reasonably constructed., (8) Number of directors, membership. The bylaws shall set forth a specific number of directors, not a range. The number of directors shall be not fewer than five nor more than fifteen, unless a higher or lower number has been authorized by the Board. Each director of the mutual holding company shall be a member of the mutual holding company. Directors may be elected for periods of one to three years and until their successors are elected and qualified, but if a staggered board is chosen, provision shall be made for the election of approximately one-third or one-half of the board each year, as appropriate., (9) Meetings of the board. The board of directors shall determine the place, frequency, time, procedure for notice, which shall be at least 24 hours unless waived by the directors, and waiver of notice for all regular and special meetings. The meetings shall be under the direction of a chairman, appointed annually by the board; or in the absence of the chairman, the meetings shall be under the direction of the president. The board also may permit telephonic participation at meetings. The bylaws may provide for action to be taken without a meeting if unanimous written consent is obtained for such action. A majority of the authorized directors shall constitute a quorum for the transaction of business. The act of a majority of the directors present at any meeting at which there is a quorum shall be the act of the board., (10) Officers, employees, and agents. (i) The bylaws shall contain provisions regarding the officers of the mutual holding company, their functions, duties, and powers. The officers of the mutual holding company shall consist of a president, one or more vice presidents, a secretary, and a treasurer or comptroller, each of whom shall be elected annually by the board of directors. Such other officers and assistant officers and agents as may be deemed necessary may be elected or appointed by the board of directors or chosen in such other manner as may be prescribed in the bylaws. Any two or more offices may be held by the same person, except the offices of president and secretary., (ii) All officers and agents of the mutual holding company, as between themselves and the mutual holding company, shall have such authority and perform such duties in the management of the mutual holding company as may be provided in the bylaws, or as may be determined by resolution of the board of directors not inconsistent with the bylaws. In the absence of any such provision, officers shall have such powers and duties as generally pertain to their respective offices. Any officer may be removed by the board of directors with or without cause, but such removal, other than for cause, shall be without prejudice to the contractual rights, if any, of the officer so removed., (iii) Any indemnification provision must provide that any indemnification is subject to applicable Federal law, rules, and regulations., (11) Vacancies, resignation or removal of directors. Members of the mutual holding company shall elect directors by ballot: Provided, that in the event of a vacancy on the board, the board of directors may, by their affirmative vote, fill such vacancy, even if the remaining directors constitute less than a quorum. A director elected to fill a vacancy shall be elected to serve only until the next election of directors by the members. The bylaws shall set out the procedure for the resignation of a director, which shall be by written notice or by any other procedure established in the bylaws. Directors may be removed only for cause as defined in \u00a7 239.41, by a vote of the holders of a majority of the shares then entitled to vote at an election of directors., (12) Powers of the board. The board of directors shall have the power:, (i) By resolution, to appoint from among its members and remove an executive committee and one or more other committees, which committees shall have and may exercise all the powers of the board between the meetings or the board; but no such committee shall have the authority of the board to amend the charter or bylaws, adopt a plan of merger, consolidation, dissolution, or provide for the disposition of all or substantially all the property and assets of the mutual holding company. Such committee shall not operate to relieve the board, or any member thereof, of any responsibility imposed by law;, (ii) To fix the compensation of directors, officers, and employees; and to remove any officer or employee at any time with or without cause;, (iii) To exercise any and all of the powers of the mutual holding company not expressly reserved by the charter to the members., (13) Nominations for directors. The bylaws shall provide that nominations for directors may be made at the annual meeting by any member and shall be voted upon, except, however, the bylaws may require that nominations by a member must be submitted to the secretary and then prominently posted in the principal place of business, at least 10 days prior to the date of the annual meeting. However, if such provision is made for prior submission of nominations by a member, then the bylaws must provide for a nominating committee, which, except in the case of a nominee substituted as a result of death or other incapacity, must submit nominations to the secretary and have such nominations similarly posted at least 15 days prior to the date of the annual meeting., (14) New business. The bylaws shall provide procedures for the introduction of new business at the annual meeting. Those provisions may require that such new business be stated in writing and filed with the secretary prior to the annual meeting at least 30 days prior to the date of the annual meeting., (15) Amendment. Bylaws may include any provision for their amendment that would be consistent with applicable law, rules, and regulations and adequately addresses its subject and purpose., (i) Amendments shall be effective:, (A) After approval by a majority vote of the authorized board, or by a majority of the vote cast by the members of the mutual holding company at a legal meeting; and, (B) After receipt of any applicable regulatory approval., (ii) When a mutual holding company fails to meet its quorum requirement, solely due to vacancies on the board, the bylaws may be amended by an affirmative vote of a majority of the sitting board., (16) Miscellaneous. The bylaws may also address the subject of age limitations for directors or officers as long as they are consistent with applicable Federal law, rules or regulations, and any other subjects necessary or appropriate for effective operation of the mutual holding company., (c) Form of filing - (1) Application requirement. (i) Any bylaw amendment shall be submitted to the appropriate Reserve Bank for approval if it would:, (A) Render more difficult or discourage a merger, proxy contest, the assumption of control by a mutual account holder of the mutual holding company, or the removal of incumbent management;, (B) Involve a significant issue of law or policy, including indemnification, conflicts of interest, and limitations on director or officer liability; or, (C) Be inconsistent with the requirements of this section or with applicable laws, rules, regulations, or the mutual holding company's charter., (ii) Applications submitted under paragraph (c)(1)(i) of this section are subject to the processing procedures at \u00a7 238.14 of this chapter., (iii) For purposes of this paragraph (c), bylaw provisions that adopt the language of the model bylaws contained in appendix C to this part, if adopted without change, and filed with Board within 30 days after adoption, are effective upon adoption. The Board may amend the model bylaws provided in appendix C to this part., (2) Filing requirement. If the proposed bylaw amendment does not implicate paragraph (c)(1) or (c)(3) of this section, then the mutual holding company shall submit the amendment to the appropriate Reserve Bank at least 30 days prior to the date the bylaw amendment is to be adopted by the mutual holding company., (3) Corporate governance procedures. A mutual holding company may elect to follow the corporate governance procedures of the laws of the state where the main office of the institution is located, provided that such procedures may be elected only to the extent not inconsistent with applicable Federal statutes, regulations, and safety and soundness, and such procedures are not of the type described in paragraph (c)(1)(i) of this section. If this election is selected, a mutual holding company shall designate in its bylaws the provision or provisions from the body of law selected for its corporate governance procedures, and shall file a copy of such bylaws, which are effective upon adoption, within 30 days after adoption. The submission shall indicate, where not obvious, why the bylaw provisions do not require an application under paragraph (c)(1)(i) of this section., (d) Effectiveness. Any bylaw amendment filed pursuant to paragraph (c)(2) of this section shall automatically be effective 30 days from the date of filing of such amendment, provided that the mutual holding company follows the requirements of its charter and bylaws in adopting such amendment, unless the Board notifies the mutual holding company prior to the expiration of the 30-day period that such amendment is rejected or that such amendment requires an application to be filed pursuant to paragraph (c)(1) of this section., (e) Availability of bylaws. A mutual holding company shall make available to its members at all times in the offices of each subsidiary savings association from which the mutual holding company draws members a true copy of its bylaws, including any amendments, and shall deliver such a copy to any member upon request.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["239"],"part_title":["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"],"section":["239.15"],"section_title":["\u00a7 239.15 Bylaws."]},"_input_hash":1242764761,"_task_hash":-1809631105,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816197,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) Minimum purchase requirement. An institution that has been approved for membership in a Bank as provided in this part shall become a member of that Bank upon purchasing the amount of stock required under the membership stock purchase provisions of that Bank's capital structure plan. If an institution fails to purchase the minimum amount of stock required for membership within 60 calendar days after the date on which it is approved for membership, the membership approval shall become void and that institution may not become a member of that Bank until after it has filed a new application and the Bank has approved that application pursuant to the requirements of this part., (b) Issuance of stock. After approving an institution for membership, and in return for payment in full of the par value, a Bank shall issue to that institution the amount of capital stock required to be purchased under the Bank's capital structure plan., (c) Reports. Each Bank shall report to FHFA information regarding the minimum investment in Bank capital stock made by each new member referred to in paragraph (a) of this section, in accordance with the instructions provided in the Data Reporting Manual.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1263"],"part_title":["PART 1263 - MEMBERS OF THE BANKS"],"section":["1263.20"],"section_title":["\u00a7 1263.20 Stock purchase."]},"_input_hash":366733127,"_task_hash":451495501,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844288,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Minimum purchase requirement. An institution that has been approved for membership in a Bank as provided in this part shall become a member of that Bank upon purchasing the amount of stock required under the membership stock purchase provisions of that Bank's capital structure plan. If an institution fails to purchase the minimum amount of stock required for membership within 60 calendar days after the date on which it is approved for membership, the membership approval shall become void and that institution may not become a member of that Bank until after it has filed a new application and the Bank has approved that application pursuant to the requirements of this part., (b) Issuance of stock. After approving an institution for membership, and in return for payment in full of the par value, a Bank shall issue to that institution the amount of capital stock required to be purchased under the Bank's capital structure plan., (c) Reports. Each Bank shall report to FHFA information regarding the minimum investment in Bank capital stock made by each new member referred to in paragraph (a) of this section, in accordance with the instructions provided in the Data Reporting Manual.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1263"],"part_title":["PART 1263 - MEMBERS OF THE BANKS"],"section":["1263.20"],"section_title":["\u00a7 1263.20 Stock purchase."]},"_input_hash":366733127,"_task_hash":1736391383,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815569,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"(a) Minimum purchase requirement. An institution that has been approved for membership in a Bank as provided in this part shall become a member of that Bank upon purchasing the amount of stock required under the membership stock purchase provisions of that Bank's capital structure plan. If an institution fails to purchase the minimum amount of stock required for membership within 60 calendar days after the date on which it is approved for membership, the membership approval shall become void and that institution may not become a member of that Bank until after it has filed a new application and the Bank has approved that application pursuant to the requirements of this part., (b) Issuance of stock. After approving an institution for membership, and in return for payment in full of the par value, a Bank shall issue to that institution the amount of capital stock required to be purchased under the Bank's capital structure plan., (c) Reports. Each Bank shall report to FHFA information regarding the minimum investment in Bank capital stock made by each new member referred to in paragraph (a) of this section, in accordance with the instructions provided in the Data Reporting Manual.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1263"],"part_title":["PART 1263 - MEMBERS OF THE BANKS"],"section":["1263.20"],"section_title":["\u00a7 1263.20 Stock purchase."]},"_input_hash":366733127,"_task_hash":451495501,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711823893,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Minimum purchase requirement. An institution that has been approved for membership in a Bank as provided in this part shall become a member of that Bank upon purchasing the amount of stock required under the membership stock purchase provisions of that Bank's capital structure plan. If an institution fails to purchase the minimum amount of stock required for membership within 60 calendar days after the date on which it is approved for membership, the membership approval shall become void and that institution may not become a member of that Bank until after it has filed a new application and the Bank has approved that application pursuant to the requirements of this part., (b) Issuance of stock. After approving an institution for membership, and in return for payment in full of the par value, a Bank shall issue to that institution the amount of capital stock required to be purchased under the Bank's capital structure plan., (c) Reports. Each Bank shall report to FHFA information regarding the minimum investment in Bank capital stock made by each new member referred to in paragraph (a) of this section, in accordance with the instructions provided in the Data Reporting Manual.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1263"],"part_title":["PART 1263 - MEMBERS OF THE BANKS"],"section":["1263.20"],"section_title":["\u00a7 1263.20 Stock purchase."]},"_input_hash":366733127,"_task_hash":-711747803,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830259,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Any offering circular, amendment, or exhibit may be withdrawn prior to the effective date. A withdrawal shall be signed and state the grounds upon which it is made. Any document withdrawn will not be removed from the files of the FDIC, but will be marked \u201cWithdrawn upon the request of the issuer on (date).\u201d, (b) When an offering circular or amendment has been on file with the FDIC for a period of nine months and has not become effective, the FDIC may, in its discretion, determine whether the filing has been abandoned, after notifying the issuer that the filing is out of date and must either be amended to comply with the applicable requirements of this subpart or be withdrawn within 30 days after the date of such notice. When a filing is abandoned, the filing will not be removed from the files of the FDIC, but will be marked \u201cDeclared abandoned by the FDIC on (date).\u201d","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["390"],"part_title":["PART 390 - REGULATIONS TRANSFERRED FROM THE OFFICE OF THRIFT SUPERVISION"],"section":["390.420"],"section_title":["\u00a7 390.420 Withdrawal or abandonment."]},"_input_hash":1680299029,"_task_hash":1600906362,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844289,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Any offering circular, amendment, or exhibit may be withdrawn prior to the effective date. A withdrawal shall be signed and state the grounds upon which it is made. Any document withdrawn will not be removed from the files of the FDIC, but will be marked \u201cWithdrawn upon the request of the issuer on (date).\u201d, (b) When an offering circular or amendment has been on file with the FDIC for a period of nine months and has not become effective, the FDIC may, in its discretion, determine whether the filing has been abandoned, after notifying the issuer that the filing is out of date and must either be amended to comply with the applicable requirements of this subpart or be withdrawn within 30 days after the date of such notice. When a filing is abandoned, the filing will not be removed from the files of the FDIC, but will be marked \u201cDeclared abandoned by the FDIC on (date).\u201d","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["390"],"part_title":["PART 390 - REGULATIONS TRANSFERRED FROM THE OFFICE OF THRIFT SUPERVISION"],"section":["390.420"],"section_title":["\u00a7 390.420 Withdrawal or abandonment."]},"_input_hash":1680299029,"_task_hash":1600906362,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815609,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Any offering circular, amendment, or exhibit may be withdrawn prior to the effective date. A withdrawal shall be signed and state the grounds upon which it is made. Any document withdrawn will not be removed from the files of the FDIC, but will be marked \u201cWithdrawn upon the request of the issuer on (date).\u201d, (b) When an offering circular or amendment has been on file with the FDIC for a period of nine months and has not become effective, the FDIC may, in its discretion, determine whether the filing has been abandoned, after notifying the issuer that the filing is out of date and must either be amended to comply with the applicable requirements of this subpart or be withdrawn within 30 days after the date of such notice. When a filing is abandoned, the filing will not be removed from the files of the FDIC, but will be marked \u201cDeclared abandoned by the FDIC on (date).\u201d","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["390"],"part_title":["PART 390 - REGULATIONS TRANSFERRED FROM THE OFFICE OF THRIFT SUPERVISION"],"section":["390.420"],"section_title":["\u00a7 390.420 Withdrawal or abandonment."]},"_input_hash":1680299029,"_task_hash":1657833227,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830267,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"The Farm Credit Leasing Services Corporation may enter into a lease agreement with a lessee if the consolidated amount of all leases and undisbursed commitments to that lessee or any related entities does not exceed 15 percent of its lending and leasing limit base.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4356"],"section_title":["\u00a7 614.4356 Farm Credit Leasing Services Corporation."]},"_input_hash":-1718161666,"_task_hash":764536113,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844290,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"tyler\""],"versions":[{"text":"The Farm Credit Leasing Services Corporation may enter into a lease agreement with a lessee if the consolidated amount of all leases and undisbursed commitments to that lessee or any related entities does not exceed 15 percent of its lending and leasing limit base.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4356"],"section_title":["\u00a7 614.4356 Farm Credit Leasing Services Corporation."]},"_input_hash":-1718161666,"_task_hash":-834663695,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815627,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"The Farm Credit Leasing Services Corporation may enter into a lease agreement with a lessee if the consolidated amount of all leases and undisbursed commitments to that lessee or any related entities does not exceed 15 percent of its lending and leasing limit base.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4356"],"section_title":["\u00a7 614.4356 Farm Credit Leasing Services Corporation."]},"_input_hash":-1718161666,"_task_hash":764536113,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711823936,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) General. With the prior written consent of the Board, the concentration limit under \u00a7 251.3 shall not apply to:, (1) A covered acquisition of an insured depository institution that is in default or in danger of default (as determined by the appropriate Federal banking agency of the insured depository institution, in consultation with the Board);, (2) A covered acquisition with respect to which assistance is provided by the Federal Deposit Insurance Corporation under section 13(c) of the Federal Deposit Insurance Act (12 U.S.C. 1823(c)); or, (3) A covered acquisition that would result in an increase in the liabilities of the financial company that does not exceed $2 billion, when aggregated with all other acquisitions by the financial company made pursuant to this paragraph (a)(3) during the twelve months preceding the projected date of the acquisition., (b) Prior written consent - (1) General. Except as provided in paragraph (c) of this section, a financial company must request that the Board provide prior written consent before the financial company consummates a transaction described in paragraph (a) of this section., (2) Contents of request. (i) A request for prior written consent under paragraph (a) of this section must contain:, (A) A description of the covered acquisition;, (B) The projected increase in the company's liabilities resulting from the acquisition;, (C) If the request is made pursuant to paragraph (a)(3) of this section, the projected aggregate increase in the company's liabilities from acquisitions during the twelve months preceding the projected date of the acquisition; and, (D) Any additional information requested by the Board., (ii) A financial company may satisfy the requirements of this paragraph (b) if:, (A) The proposed transaction otherwise requires approval by, or prior notice to, the Board under the Change in Bank Control Act, Bank Holding Company Act, Home Owners' Loan Act, International Banking Act, or any other applicable statute, and any regulation thereunder; and, (B) The financial company includes the information required in paragraph (b)(2) of this section in the notice or request for prior approval described in paragraph (b)(2)(ii)(A) of this section., (3) Procedures for providing written consent. (i) The Board will act on a request for prior written consent filed under this paragraph (b) within 90 calendar days after the receipt of a complete request, unless that time period is extended by the Board. To the extent that a proposed transaction otherwise requires approval from, or prior notice to, the Board under another provision of law, the Board will act on that request for prior written consent concurrently with its action on the request for approval or notice., (ii) In acting on a request under this paragraph (b), the Board will consider whether the consummation of the covered acquisition could pose a threat to financial stability., (c) General consent. The Board grants prior written consent for a covered acquisition that would result in an increase in the liabilities of the financial company that does not exceed $100 million, when aggregated with all other covered acquisitions by the financial company made pursuant to this paragraph (c) during the twelve months preceding the date of the acquisition. A financial company that relies on prior written consent pursuant to this paragraph (c) must provide a notice to the Board within 10 days after consummating the covered acquisition that describes the covered acquisition, the increase in the company's liabilities resulting from the acquisition, and the aggregate increase in the company's liabilities from covered acquisitions during the twelve months preceding the date of the acquisition.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["251"],"part_title":["PART 251 - CONCENTRATION LIMIT (REGULATION XX)"],"section":["251.4"],"section_title":["\u00a7 251.4 Exceptions to the concentration limit."]},"_input_hash":-2102284305,"_task_hash":1346971084,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844293,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) General. With the prior written consent of the Board, the concentration limit under \u00a7 251.3 shall not apply to:, (1) A covered acquisition of an insured depository institution that is in default or in danger of default (as determined by the appropriate Federal banking agency of the insured depository institution, in consultation with the Board);, (2) A covered acquisition with respect to which assistance is provided by the Federal Deposit Insurance Corporation under section 13(c) of the Federal Deposit Insurance Act (12 U.S.C. 1823(c)); or, (3) A covered acquisition that would result in an increase in the liabilities of the financial company that does not exceed $2 billion, when aggregated with all other acquisitions by the financial company made pursuant to this paragraph (a)(3) during the twelve months preceding the projected date of the acquisition., (b) Prior written consent - (1) General. Except as provided in paragraph (c) of this section, a financial company must request that the Board provide prior written consent before the financial company consummates a transaction described in paragraph (a) of this section., (2) Contents of request. (i) A request for prior written consent under paragraph (a) of this section must contain:, (A) A description of the covered acquisition;, (B) The projected increase in the company's liabilities resulting from the acquisition;, (C) If the request is made pursuant to paragraph (a)(3) of this section, the projected aggregate increase in the company's liabilities from acquisitions during the twelve months preceding the projected date of the acquisition; and, (D) Any additional information requested by the Board., (ii) A financial company may satisfy the requirements of this paragraph (b) if:, (A) The proposed transaction otherwise requires approval by, or prior notice to, the Board under the Change in Bank Control Act, Bank Holding Company Act, Home Owners' Loan Act, International Banking Act, or any other applicable statute, and any regulation thereunder; and, (B) The financial company includes the information required in paragraph (b)(2) of this section in the notice or request for prior approval described in paragraph (b)(2)(ii)(A) of this section., (3) Procedures for providing written consent. (i) The Board will act on a request for prior written consent filed under this paragraph (b) within 90 calendar days after the receipt of a complete request, unless that time period is extended by the Board. To the extent that a proposed transaction otherwise requires approval from, or prior notice to, the Board under another provision of law, the Board will act on that request for prior written consent concurrently with its action on the request for approval or notice., (ii) In acting on a request under this paragraph (b), the Board will consider whether the consummation of the covered acquisition could pose a threat to financial stability., (c) General consent. The Board grants prior written consent for a covered acquisition that would result in an increase in the liabilities of the financial company that does not exceed $100 million, when aggregated with all other covered acquisitions by the financial company made pursuant to this paragraph (c) during the twelve months preceding the date of the acquisition. A financial company that relies on prior written consent pursuant to this paragraph (c) must provide a notice to the Board within 10 days after consummating the covered acquisition that describes the covered acquisition, the increase in the company's liabilities resulting from the acquisition, and the aggregate increase in the company's liabilities from covered acquisitions during the twelve months preceding the date of the acquisition.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["251"],"part_title":["PART 251 - CONCENTRATION LIMIT (REGULATION XX)"],"section":["251.4"],"section_title":["\u00a7 251.4 Exceptions to the concentration limit."]},"_input_hash":-2102284305,"_task_hash":1346971084,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815642,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) General. With the prior written consent of the Board, the concentration limit under \u00a7 251.3 shall not apply to:, (1) A covered acquisition of an insured depository institution that is in default or in danger of default (as determined by the appropriate Federal banking agency of the insured depository institution, in consultation with the Board);, (2) A covered acquisition with respect to which assistance is provided by the Federal Deposit Insurance Corporation under section 13(c) of the Federal Deposit Insurance Act (12 U.S.C. 1823(c)); or, (3) A covered acquisition that would result in an increase in the liabilities of the financial company that does not exceed $2 billion, when aggregated with all other acquisitions by the financial company made pursuant to this paragraph (a)(3) during the twelve months preceding the projected date of the acquisition., (b) Prior written consent - (1) General. Except as provided in paragraph (c) of this section, a financial company must request that the Board provide prior written consent before the financial company consummates a transaction described in paragraph (a) of this section., (2) Contents of request. (i) A request for prior written consent under paragraph (a) of this section must contain:, (A) A description of the covered acquisition;, (B) The projected increase in the company's liabilities resulting from the acquisition;, (C) If the request is made pursuant to paragraph (a)(3) of this section, the projected aggregate increase in the company's liabilities from acquisitions during the twelve months preceding the projected date of the acquisition; and, (D) Any additional information requested by the Board., (ii) A financial company may satisfy the requirements of this paragraph (b) if:, (A) The proposed transaction otherwise requires approval by, or prior notice to, the Board under the Change in Bank Control Act, Bank Holding Company Act, Home Owners' Loan Act, International Banking Act, or any other applicable statute, and any regulation thereunder; and, (B) The financial company includes the information required in paragraph (b)(2) of this section in the notice or request for prior approval described in paragraph (b)(2)(ii)(A) of this section., (3) Procedures for providing written consent. (i) The Board will act on a request for prior written consent filed under this paragraph (b) within 90 calendar days after the receipt of a complete request, unless that time period is extended by the Board. To the extent that a proposed transaction otherwise requires approval from, or prior notice to, the Board under another provision of law, the Board will act on that request for prior written consent concurrently with its action on the request for approval or notice., (ii) In acting on a request under this paragraph (b), the Board will consider whether the consummation of the covered acquisition could pose a threat to financial stability., (c) General consent. The Board grants prior written consent for a covered acquisition that would result in an increase in the liabilities of the financial company that does not exceed $100 million, when aggregated with all other covered acquisitions by the financial company made pursuant to this paragraph (c) during the twelve months preceding the date of the acquisition. A financial company that relies on prior written consent pursuant to this paragraph (c) must provide a notice to the Board within 10 days after consummating the covered acquisition that describes the covered acquisition, the increase in the company's liabilities resulting from the acquisition, and the aggregate increase in the company's liabilities from covered acquisitions during the twelve months preceding the date of the acquisition.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["251"],"part_title":["PART 251 - CONCENTRATION LIMIT (REGULATION XX)"],"section":["251.4"],"section_title":["\u00a7 251.4 Exceptions to the concentration limit."]},"_input_hash":-2102284305,"_task_hash":-365246044,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711823962,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) General. With the prior written consent of the Board, the concentration limit under \u00a7 251.3 shall not apply to:, (1) A covered acquisition of an insured depository institution that is in default or in danger of default (as determined by the appropriate Federal banking agency of the insured depository institution, in consultation with the Board);, (2) A covered acquisition with respect to which assistance is provided by the Federal Deposit Insurance Corporation under section 13(c) of the Federal Deposit Insurance Act (12 U.S.C. 1823(c)); or, (3) A covered acquisition that would result in an increase in the liabilities of the financial company that does not exceed $2 billion, when aggregated with all other acquisitions by the financial company made pursuant to this paragraph (a)(3) during the twelve months preceding the projected date of the acquisition., (b) Prior written consent - (1) General. Except as provided in paragraph (c) of this section, a financial company must request that the Board provide prior written consent before the financial company consummates a transaction described in paragraph (a) of this section., (2) Contents of request. (i) A request for prior written consent under paragraph (a) of this section must contain:, (A) A description of the covered acquisition;, (B) The projected increase in the company's liabilities resulting from the acquisition;, (C) If the request is made pursuant to paragraph (a)(3) of this section, the projected aggregate increase in the company's liabilities from acquisitions during the twelve months preceding the projected date of the acquisition; and, (D) Any additional information requested by the Board., (ii) A financial company may satisfy the requirements of this paragraph (b) if:, (A) The proposed transaction otherwise requires approval by, or prior notice to, the Board under the Change in Bank Control Act, Bank Holding Company Act, Home Owners' Loan Act, International Banking Act, or any other applicable statute, and any regulation thereunder; and, (B) The financial company includes the information required in paragraph (b)(2) of this section in the notice or request for prior approval described in paragraph (b)(2)(ii)(A) of this section., (3) Procedures for providing written consent. (i) The Board will act on a request for prior written consent filed under this paragraph (b) within 90 calendar days after the receipt of a complete request, unless that time period is extended by the Board. To the extent that a proposed transaction otherwise requires approval from, or prior notice to, the Board under another provision of law, the Board will act on that request for prior written consent concurrently with its action on the request for approval or notice., (ii) In acting on a request under this paragraph (b), the Board will consider whether the consummation of the covered acquisition could pose a threat to financial stability., (c) General consent. The Board grants prior written consent for a covered acquisition that would result in an increase in the liabilities of the financial company that does not exceed $100 million, when aggregated with all other covered acquisitions by the financial company made pursuant to this paragraph (c) during the twelve months preceding the date of the acquisition. A financial company that relies on prior written consent pursuant to this paragraph (c) must provide a notice to the Board within 10 days after consummating the covered acquisition that describes the covered acquisition, the increase in the company's liabilities resulting from the acquisition, and the aggregate increase in the company's liabilities from covered acquisitions during the twelve months preceding the date of the acquisition.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["251"],"part_title":["PART 251 - CONCENTRATION LIMIT (REGULATION XX)"],"section":["251.4"],"section_title":["\u00a7 251.4 Exceptions to the concentration limit."]},"_input_hash":-2102284305,"_task_hash":-687335673,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830276,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Higher-priced mortgage loans - (1) For purposes of this section, except as provided in paragraph (b)(3)(v) of this section, a higher-priced mortgage loan is a consumer credit transaction secured by the consumer's principal dwelling with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for loans secured by a first lien on a dwelling, or by 3.5 or more percentage points for loans secured by a subordinate lien on a dwelling., (2) \u201cAverage prime offer rate\u201d means an annual percentage rate that is derived from average interest rates, points, and other loan pricing terms currently offered to consumers by a representative sample of creditors for mortgage transactions that have low-risk pricing characteristics. The Board publishes average prime offer rates for a broad range of types of transactions in a table updated at least weekly as well as the methodology the Board uses to derive these rates., (3) Notwithstanding paragraph (a)(1) of this section, the term \u201chigher-priced mortgage loan\u201d does not include a transaction to finance the initial construction of a dwelling, a temporary or \u201cbridge\u201d loan with a term of twelve months or less, such as a loan to purchase a new dwelling where the consumer plans to sell a current dwelling within twelve months, a reverse-mortgage transaction subject to \u00a7 226.33, or a home equity line of credit subject to \u00a7 226.5b., (b) Rules for higher-priced mortgage loans. Higher-priced mortgage loans are subject to the following restrictions:, (1) Repayment ability. A creditor shall not extend credit based on the value of the consumer's collateral without regard to the consumer's repayment ability as of consummation as provided in \u00a7 226.34(a)(4)., (2) Prepayment penalties. A loan may not include a penalty described by \u00a7 226.32(d)(6) unless:, (i) The penalty is otherwise permitted by law, including \u00a7 226.32(d)(7) if the loan is a mortgage transaction described in \u00a7 226.32(a); and, (ii) Under the terms of the loan - , (A) The penalty will not apply after the two-year period following consummation;, (B) The penalty will not apply if the source of the prepayment funds is a refinancing by the creditor or an affiliate of the creditor; and, (C) The amount of the periodic payment of principal or interest or both may not change during the four-year period following consummation., (3) Escrows - (i) Failure to escrow for property taxes and insurance. Except as provided in paragraph (b)(3)(ii) of this section, a creditor may not extend a loan secured by a first lien on a principal dwelling unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss., (ii) Exemptions for loans secured by shares in a cooperative and for certain condominium units - (A) Escrow accounts need not be established for loans secured by shares in a cooperative; and, (B) Insurance premiums described in paragraph (b)(3)(i) of this section need not be included in escrow accounts for loans secured by condominium units, where the condominium association has an obligation to the condominium unit owners to maintain a master policy insuring condominium units., (iii) Cancellation. A creditor or servicer may permit a consumer to cancel the escrow account required in paragraph (b)(3)(i) of this section only in response to a consumer's dated written request to cancel the escrow account that is received no earlier than 365 days after consummation., (iv) Definition of escrow account. For purposes of this section, \u201cescrow account\u201d shall have the same meaning as in 24 CFR 3500.17(b) as amended., (v) \u201cJumbo\u201d loans. For purposes of this \u00a7 226.35(b)(3), for a transaction with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac, the coverage threshold set forth in paragraph (a)(1) of this section for loans secured by a first lien on a dwelling shall be 2.5 or more percentage points greater than the applicable average prime offer rate., (4) Evasion; open-end credit. In connection with credit secured by a consumer's principal dwelling that does not meet the definition of open-end credit in \u00a7 226.2(a)(20), a creditor shall not structure a home-secured loan as an open-end plan to evade the requirements of this section.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["226"],"part_title":["PART 226 - TRUTH IN LENDING (REGULATION Z)"],"section":["226.35"],"section_title":["\u00a7 226.35 Prohibited acts or practices in connection with higher-priced mortgage loans."]},"_input_hash":1375770527,"_task_hash":-914670385,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844295,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Higher-priced mortgage loans - (1) For purposes of this section, except as provided in paragraph (b)(3)(v) of this section, a higher-priced mortgage loan is a consumer credit transaction secured by the consumer's principal dwelling with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for loans secured by a first lien on a dwelling, or by 3.5 or more percentage points for loans secured by a subordinate lien on a dwelling., (2) \u201cAverage prime offer rate\u201d means an annual percentage rate that is derived from average interest rates, points, and other loan pricing terms currently offered to consumers by a representative sample of creditors for mortgage transactions that have low-risk pricing characteristics. The Board publishes average prime offer rates for a broad range of types of transactions in a table updated at least weekly as well as the methodology the Board uses to derive these rates., (3) Notwithstanding paragraph (a)(1) of this section, the term \u201chigher-priced mortgage loan\u201d does not include a transaction to finance the initial construction of a dwelling, a temporary or \u201cbridge\u201d loan with a term of twelve months or less, such as a loan to purchase a new dwelling where the consumer plans to sell a current dwelling within twelve months, a reverse-mortgage transaction subject to \u00a7 226.33, or a home equity line of credit subject to \u00a7 226.5b., (b) Rules for higher-priced mortgage loans. Higher-priced mortgage loans are subject to the following restrictions:, (1) Repayment ability. A creditor shall not extend credit based on the value of the consumer's collateral without regard to the consumer's repayment ability as of consummation as provided in \u00a7 226.34(a)(4)., (2) Prepayment penalties. A loan may not include a penalty described by \u00a7 226.32(d)(6) unless:, (i) The penalty is otherwise permitted by law, including \u00a7 226.32(d)(7) if the loan is a mortgage transaction described in \u00a7 226.32(a); and, (ii) Under the terms of the loan - , (A) The penalty will not apply after the two-year period following consummation;, (B) The penalty will not apply if the source of the prepayment funds is a refinancing by the creditor or an affiliate of the creditor; and, (C) The amount of the periodic payment of principal or interest or both may not change during the four-year period following consummation., (3) Escrows - (i) Failure to escrow for property taxes and insurance. Except as provided in paragraph (b)(3)(ii) of this section, a creditor may not extend a loan secured by a first lien on a principal dwelling unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss., (ii) Exemptions for loans secured by shares in a cooperative and for certain condominium units - (A) Escrow accounts need not be established for loans secured by shares in a cooperative; and, (B) Insurance premiums described in paragraph (b)(3)(i) of this section need not be included in escrow accounts for loans secured by condominium units, where the condominium association has an obligation to the condominium unit owners to maintain a master policy insuring condominium units., (iii) Cancellation. A creditor or servicer may permit a consumer to cancel the escrow account required in paragraph (b)(3)(i) of this section only in response to a consumer's dated written request to cancel the escrow account that is received no earlier than 365 days after consummation., (iv) Definition of escrow account. For purposes of this section, \u201cescrow account\u201d shall have the same meaning as in 24 CFR 3500.17(b) as amended., (v) \u201cJumbo\u201d loans. For purposes of this \u00a7 226.35(b)(3), for a transaction with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac, the coverage threshold set forth in paragraph (a)(1) of this section for loans secured by a first lien on a dwelling shall be 2.5 or more percentage points greater than the applicable average prime offer rate., (4) Evasion; open-end credit. In connection with credit secured by a consumer's principal dwelling that does not meet the definition of open-end credit in \u00a7 226.2(a)(20), a creditor shall not structure a home-secured loan as an open-end plan to evade the requirements of this section.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["226"],"part_title":["PART 226 - TRUTH IN LENDING (REGULATION Z)"],"section":["226.35"],"section_title":["\u00a7 226.35 Prohibited acts or practices in connection with higher-priced mortgage loans."]},"_input_hash":1375770527,"_task_hash":-914670385,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815657,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Higher-priced mortgage loans - (1) For purposes of this section, except as provided in paragraph (b)(3)(v) of this section, a higher-priced mortgage loan is a consumer credit transaction secured by the consumer's principal dwelling with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for loans secured by a first lien on a dwelling, or by 3.5 or more percentage points for loans secured by a subordinate lien on a dwelling., (2) \u201cAverage prime offer rate\u201d means an annual percentage rate that is derived from average interest rates, points, and other loan pricing terms currently offered to consumers by a representative sample of creditors for mortgage transactions that have low-risk pricing characteristics. The Board publishes average prime offer rates for a broad range of types of transactions in a table updated at least weekly as well as the methodology the Board uses to derive these rates., (3) Notwithstanding paragraph (a)(1) of this section, the term \u201chigher-priced mortgage loan\u201d does not include a transaction to finance the initial construction of a dwelling, a temporary or \u201cbridge\u201d loan with a term of twelve months or less, such as a loan to purchase a new dwelling where the consumer plans to sell a current dwelling within twelve months, a reverse-mortgage transaction subject to \u00a7 226.33, or a home equity line of credit subject to \u00a7 226.5b., (b) Rules for higher-priced mortgage loans. Higher-priced mortgage loans are subject to the following restrictions:, (1) Repayment ability. A creditor shall not extend credit based on the value of the consumer's collateral without regard to the consumer's repayment ability as of consummation as provided in \u00a7 226.34(a)(4)., (2) Prepayment penalties. A loan may not include a penalty described by \u00a7 226.32(d)(6) unless:, (i) The penalty is otherwise permitted by law, including \u00a7 226.32(d)(7) if the loan is a mortgage transaction described in \u00a7 226.32(a); and, (ii) Under the terms of the loan - , (A) The penalty will not apply after the two-year period following consummation;, (B) The penalty will not apply if the source of the prepayment funds is a refinancing by the creditor or an affiliate of the creditor; and, (C) The amount of the periodic payment of principal or interest or both may not change during the four-year period following consummation., (3) Escrows - (i) Failure to escrow for property taxes and insurance. Except as provided in paragraph (b)(3)(ii) of this section, a creditor may not extend a loan secured by a first lien on a principal dwelling unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss., (ii) Exemptions for loans secured by shares in a cooperative and for certain condominium units - (A) Escrow accounts need not be established for loans secured by shares in a cooperative; and, (B) Insurance premiums described in paragraph (b)(3)(i) of this section need not be included in escrow accounts for loans secured by condominium units, where the condominium association has an obligation to the condominium unit owners to maintain a master policy insuring condominium units., (iii) Cancellation. A creditor or servicer may permit a consumer to cancel the escrow account required in paragraph (b)(3)(i) of this section only in response to a consumer's dated written request to cancel the escrow account that is received no earlier than 365 days after consummation., (iv) Definition of escrow account. For purposes of this section, \u201cescrow account\u201d shall have the same meaning as in 24 CFR 3500.17(b) as amended., (v) \u201cJumbo\u201d loans. For purposes of this \u00a7 226.35(b)(3), for a transaction with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac, the coverage threshold set forth in paragraph (a)(1) of this section for loans secured by a first lien on a dwelling shall be 2.5 or more percentage points greater than the applicable average prime offer rate., (4) Evasion; open-end credit. In connection with credit secured by a consumer's principal dwelling that does not meet the definition of open-end credit in \u00a7 226.2(a)(20), a creditor shall not structure a home-secured loan as an open-end plan to evade the requirements of this section.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["226"],"part_title":["PART 226 - TRUTH IN LENDING (REGULATION Z)"],"section":["226.35"],"section_title":["\u00a7 226.35 Prohibited acts or practices in connection with higher-priced mortgage loans."]},"_input_hash":1375770527,"_task_hash":-1450068500,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711823988,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) Higher-priced mortgage loans - (1) For purposes of this section, except as provided in paragraph (b)(3)(v) of this section, a higher-priced mortgage loan is a consumer credit transaction secured by the consumer's principal dwelling with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for loans secured by a first lien on a dwelling, or by 3.5 or more percentage points for loans secured by a subordinate lien on a dwelling., (2) \u201cAverage prime offer rate\u201d means an annual percentage rate that is derived from average interest rates, points, and other loan pricing terms currently offered to consumers by a representative sample of creditors for mortgage transactions that have low-risk pricing characteristics. The Board publishes average prime offer rates for a broad range of types of transactions in a table updated at least weekly as well as the methodology the Board uses to derive these rates., (3) Notwithstanding paragraph (a)(1) of this section, the term \u201chigher-priced mortgage loan\u201d does not include a transaction to finance the initial construction of a dwelling, a temporary or \u201cbridge\u201d loan with a term of twelve months or less, such as a loan to purchase a new dwelling where the consumer plans to sell a current dwelling within twelve months, a reverse-mortgage transaction subject to \u00a7 226.33, or a home equity line of credit subject to \u00a7 226.5b., (b) Rules for higher-priced mortgage loans. Higher-priced mortgage loans are subject to the following restrictions:, (1) Repayment ability. A creditor shall not extend credit based on the value of the consumer's collateral without regard to the consumer's repayment ability as of consummation as provided in \u00a7 226.34(a)(4)., (2) Prepayment penalties. A loan may not include a penalty described by \u00a7 226.32(d)(6) unless:, (i) The penalty is otherwise permitted by law, including \u00a7 226.32(d)(7) if the loan is a mortgage transaction described in \u00a7 226.32(a); and, (ii) Under the terms of the loan - , (A) The penalty will not apply after the two-year period following consummation;, (B) The penalty will not apply if the source of the prepayment funds is a refinancing by the creditor or an affiliate of the creditor; and, (C) The amount of the periodic payment of principal or interest or both may not change during the four-year period following consummation., (3) Escrows - (i) Failure to escrow for property taxes and insurance. Except as provided in paragraph (b)(3)(ii) of this section, a creditor may not extend a loan secured by a first lien on a principal dwelling unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss., (ii) Exemptions for loans secured by shares in a cooperative and for certain condominium units - (A) Escrow accounts need not be established for loans secured by shares in a cooperative; and, (B) Insurance premiums described in paragraph (b)(3)(i) of this section need not be included in escrow accounts for loans secured by condominium units, where the condominium association has an obligation to the condominium unit owners to maintain a master policy insuring condominium units., (iii) Cancellation. A creditor or servicer may permit a consumer to cancel the escrow account required in paragraph (b)(3)(i) of this section only in response to a consumer's dated written request to cancel the escrow account that is received no earlier than 365 days after consummation., (iv) Definition of escrow account. For purposes of this section, \u201cescrow account\u201d shall have the same meaning as in 24 CFR 3500.17(b) as amended., (v) \u201cJumbo\u201d loans. For purposes of this \u00a7 226.35(b)(3), for a transaction with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac, the coverage threshold set forth in paragraph (a)(1) of this section for loans secured by a first lien on a dwelling shall be 2.5 or more percentage points greater than the applicable average prime offer rate., (4) Evasion; open-end credit. In connection with credit secured by a consumer's principal dwelling that does not meet the definition of open-end credit in \u00a7 226.2(a)(20), a creditor shall not structure a home-secured loan as an open-end plan to evade the requirements of this section.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["226"],"part_title":["PART 226 - TRUTH IN LENDING (REGULATION Z)"],"section":["226.35"],"section_title":["\u00a7 226.35 Prohibited acts or practices in connection with higher-priced mortgage loans."]},"_input_hash":1375770527,"_task_hash":961241799,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830280,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) An Enterprise must use its advanced systems to determine its credit risk capital requirements for each of the following exposures:, (1) General credit risk (including for mortgage exposures);, (2) Cleared transactions;, (3) Default fund contributions;, (4) Unsettled transactions;, (5) Securitization exposures;, (6) Equity exposures; and, (7) The fair value adjustment to reflect counterparty credit risk in valuation of OTC derivative contracts., (b) The credit-risk-weighted assets calculated under this subpart E equals the aggregate credit risk capital requirement under paragraph (a) of this section multiplied by 12.5.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["C"],"subchapter_title":["SUBCHAPTER C - ENTERPRISES"],"part":["1240"],"part_title":["PART 1240 - CAPITAL ADEQUACY OF ENTERPRISES"],"section":["1240.123"],"section_title":["\u00a7 1240.123 Advanced approaches credit risk-weighted asset calculations."]},"_input_hash":-50263923,"_task_hash":-1959634278,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844296,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"tyler\""],"versions":[{"text":"(a) An Enterprise must use its advanced systems to determine its credit risk capital requirements for each of the following exposures:, (1) General credit risk (including for mortgage exposures);, (2) Cleared transactions;, (3) Default fund contributions;, (4) Unsettled transactions;, (5) Securitization exposures;, (6) Equity exposures; and, (7) The fair value adjustment to reflect counterparty credit risk in valuation of OTC derivative contracts., (b) The credit-risk-weighted assets calculated under this subpart E equals the aggregate credit risk capital requirement under paragraph (a) of this section multiplied by 12.5.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["C"],"subchapter_title":["SUBCHAPTER C - ENTERPRISES"],"part":["1240"],"part_title":["PART 1240 - CAPITAL ADEQUACY OF ENTERPRISES"],"section":["1240.123"],"section_title":["\u00a7 1240.123 Advanced approaches credit risk-weighted asset calculations."]},"_input_hash":-50263923,"_task_hash":564363603,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815671,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"(a) An Enterprise must use its advanced systems to determine its credit risk capital requirements for each of the following exposures:, (1) General credit risk (including for mortgage exposures);, (2) Cleared transactions;, (3) Default fund contributions;, (4) Unsettled transactions;, (5) Securitization exposures;, (6) Equity exposures; and, (7) The fair value adjustment to reflect counterparty credit risk in valuation of OTC derivative contracts., (b) The credit-risk-weighted assets calculated under this subpart E equals the aggregate credit risk capital requirement under paragraph (a) of this section multiplied by 12.5.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["C"],"subchapter_title":["SUBCHAPTER C - ENTERPRISES"],"part":["1240"],"part_title":["PART 1240 - CAPITAL ADEQUACY OF ENTERPRISES"],"section":["1240.123"],"section_title":["\u00a7 1240.123 Advanced approaches credit risk-weighted asset calculations."]},"_input_hash":-50263923,"_task_hash":-1959634278,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711823995,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"The Board has established minimum capital levels for state member banks and bank holding companies in its Capital Adequacy Guidelines. The Board may set higher capital levels as necessary and appropriate for a particular state member bank or bank holding company based upon its financial condition, managerial resources, prospects, or similar factors, pursuant to the procedures set forth in \u00a7 263.85 of this subpart.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["263"],"part_title":["PART 263 - RULES OF PRACTICE FOR HEARINGS"],"section":["263.82"],"section_title":["\u00a7 263.82 Establishment of minimum capital levels."]},"_input_hash":1242125387,"_task_hash":-1818013619,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844297,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"The Board has established minimum capital levels for state member banks and bank holding companies in its Capital Adequacy Guidelines. The Board may set higher capital levels as necessary and appropriate for a particular state member bank or bank holding company based upon its financial condition, managerial resources, prospects, or similar factors, pursuant to the procedures set forth in \u00a7 263.85 of this subpart.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["263"],"part_title":["PART 263 - RULES OF PRACTICE FOR HEARINGS"],"section":["263.82"],"section_title":["\u00a7 263.82 Establishment of minimum capital levels."]},"_input_hash":1242125387,"_task_hash":-1818013619,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815681,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"The Board has established minimum capital levels for state member banks and bank holding companies in its Capital Adequacy Guidelines. The Board may set higher capital levels as necessary and appropriate for a particular state member bank or bank holding company based upon its financial condition, managerial resources, prospects, or similar factors, pursuant to the procedures set forth in \u00a7 263.85 of this subpart.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["263"],"part_title":["PART 263 - RULES OF PRACTICE FOR HEARINGS"],"section":["263.82"],"section_title":["\u00a7 263.82 Establishment of minimum capital levels."]},"_input_hash":1242125387,"_task_hash":816265070,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830287,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"Upon the completion of the liquidation and certification by the agent for the liquidating agent that the distribution of the assets of the Federal credit union has been completed, the NCUA Board shall cancel the charter of the Federal credit union concerned. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.406"],"section_title":["\u00a7 747.406 Cancellation of charter."]},"_input_hash":-2130147103,"_task_hash":-2139544548,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844299,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"Upon the completion of the liquidation and certification by the agent for the liquidating agent that the distribution of the assets of the Federal credit union has been completed, the NCUA Board shall cancel the charter of the Federal credit union concerned. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.406"],"section_title":["\u00a7 747.406 Cancellation of charter."]},"_input_hash":-2130147103,"_task_hash":-2139544548,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815694,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"Upon the completion of the liquidation and certification by the agent for the liquidating agent that the distribution of the assets of the Federal credit union has been completed, the NCUA Board shall cancel the charter of the Federal credit union concerned. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.406"],"section_title":["\u00a7 747.406 Cancellation of charter."]},"_input_hash":-2130147103,"_task_hash":1090306514,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711824015,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"Upon the completion of the liquidation and certification by the agent for the liquidating agent that the distribution of the assets of the Federal credit union has been completed, the NCUA Board shall cancel the charter of the Federal credit union concerned. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.406"],"section_title":["\u00a7 747.406 Cancellation of charter."]},"_input_hash":-2130147103,"_task_hash":1834806774,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711840503,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"In connection with adjudication with respect to which a formal hearing is required by law or is ordered by the Board, the procedure is set forth in part 263 of this chapter, entitled \u201cRules of Practice for Formal Hearings.\u201d ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["262"],"part_title":["PART 262 - RULES OF PROCEDURE"],"section":["262.4"],"section_title":["\u00a7 262.4 Adjudication with formal hearing."]},"_input_hash":-453110536,"_task_hash":750755662,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844305,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"In connection with adjudication with respect to which a formal hearing is required by law or is ordered by the Board, the procedure is set forth in part 263 of this chapter, entitled \u201cRules of Practice for Formal Hearings.\u201d ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["262"],"part_title":["PART 262 - RULES OF PROCEDURE"],"section":["262.4"],"section_title":["\u00a7 262.4 Adjudication with formal hearing."]},"_input_hash":-453110536,"_task_hash":750755662,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815705,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"In connection with adjudication with respect to which a formal hearing is required by law or is ordered by the Board, the procedure is set forth in part 263 of this chapter, entitled \u201cRules of Practice for Formal Hearings.\u201d ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["262"],"part_title":["PART 262 - RULES OF PROCEDURE"],"section":["262.4"],"section_title":["\u00a7 262.4 Adjudication with formal hearing."]},"_input_hash":-453110536,"_task_hash":61178126,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711824019,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Covered convictions and agreements. Except as described in \u00a7 238.85, this subpart covers:, (1) Any conviction of a criminal offense involving dishonesty, breach of trust, or money laundering. Convictions do not cover arrests, pending cases not brought to trial, acquittals, convictions reversed on appeal, pardoned convictions, or expunged convictions., (2) Any agreement to enter into a pretrial diversion or similar program in connection with a prosecution for a criminal offense involving dishonesty, breach of trust or money laundering. A pretrial diversion or similar program is a program involving a suspension or eventual dismissal of charges or of a criminal prosecution based upon an agreement for treatment, rehabilitation, restitution, or other non-criminal or non-punitive alternative., (b) Dishonesty or breach of trust. A determination whether a criminal offense involves dishonesty or breach of trust is based on the statutory elements of the crime., (1) \u201cDishonesty\u201d means directly or indirectly to cheat or defraud, to cheat or defraud for monetary gain or its equivalent, or to wrongfully take property belonging to another in violation of any criminal statute. Dishonesty includes acts involving a want of integrity, lack of probity, or a disposition to distort, cheat, or act deceitfully or fraudulently, and may include crimes which federal, state or local laws define as dishonest., (2) \u201cBreach of trust\u201d means a wrongful act, use, misappropriation, or omission with respect to any property or fund which has been committed to a person in a fiduciary or official capacity, or the misuse of one's official or fiduciary position to engage in a wrongful act, use, misappropriation, or omission.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["238"],"part_title":["PART 238 - SAVINGS AND LOAN HOLDING COMPANIES (REGULATION LL)"],"section":["238.84"],"section_title":["\u00a7 238.84 Covered convictions or agreements to enter into pre-trial diversions or similar programs."]},"_input_hash":1502656183,"_task_hash":-1757148869,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844323,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) Covered convictions and agreements. Except as described in \u00a7 238.85, this subpart covers:, (1) Any conviction of a criminal offense involving dishonesty, breach of trust, or money laundering. Convictions do not cover arrests, pending cases not brought to trial, acquittals, convictions reversed on appeal, pardoned convictions, or expunged convictions., (2) Any agreement to enter into a pretrial diversion or similar program in connection with a prosecution for a criminal offense involving dishonesty, breach of trust or money laundering. A pretrial diversion or similar program is a program involving a suspension or eventual dismissal of charges or of a criminal prosecution based upon an agreement for treatment, rehabilitation, restitution, or other non-criminal or non-punitive alternative., (b) Dishonesty or breach of trust. A determination whether a criminal offense involves dishonesty or breach of trust is based on the statutory elements of the crime., (1) \u201cDishonesty\u201d means directly or indirectly to cheat or defraud, to cheat or defraud for monetary gain or its equivalent, or to wrongfully take property belonging to another in violation of any criminal statute. Dishonesty includes acts involving a want of integrity, lack of probity, or a disposition to distort, cheat, or act deceitfully or fraudulently, and may include crimes which federal, state or local laws define as dishonest., (2) \u201cBreach of trust\u201d means a wrongful act, use, misappropriation, or omission with respect to any property or fund which has been committed to a person in a fiduciary or official capacity, or the misuse of one's official or fiduciary position to engage in a wrongful act, use, misappropriation, or omission.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["238"],"part_title":["PART 238 - SAVINGS AND LOAN HOLDING COMPANIES (REGULATION LL)"],"section":["238.84"],"section_title":["\u00a7 238.84 Covered convictions or agreements to enter into pre-trial diversions or similar programs."]},"_input_hash":1502656183,"_task_hash":-1757148869,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815727,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) Covered convictions and agreements. Except as described in \u00a7 238.85, this subpart covers:, (1) Any conviction of a criminal offense involving dishonesty, breach of trust, or money laundering. Convictions do not cover arrests, pending cases not brought to trial, acquittals, convictions reversed on appeal, pardoned convictions, or expunged convictions., (2) Any agreement to enter into a pretrial diversion or similar program in connection with a prosecution for a criminal offense involving dishonesty, breach of trust or money laundering. A pretrial diversion or similar program is a program involving a suspension or eventual dismissal of charges or of a criminal prosecution based upon an agreement for treatment, rehabilitation, restitution, or other non-criminal or non-punitive alternative., (b) Dishonesty or breach of trust. A determination whether a criminal offense involves dishonesty or breach of trust is based on the statutory elements of the crime., (1) \u201cDishonesty\u201d means directly or indirectly to cheat or defraud, to cheat or defraud for monetary gain or its equivalent, or to wrongfully take property belonging to another in violation of any criminal statute. Dishonesty includes acts involving a want of integrity, lack of probity, or a disposition to distort, cheat, or act deceitfully or fraudulently, and may include crimes which federal, state or local laws define as dishonest., (2) \u201cBreach of trust\u201d means a wrongful act, use, misappropriation, or omission with respect to any property or fund which has been committed to a person in a fiduciary or official capacity, or the misuse of one's official or fiduciary position to engage in a wrongful act, use, misappropriation, or omission.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["238"],"part_title":["PART 238 - SAVINGS AND LOAN HOLDING COMPANIES (REGULATION LL)"],"section":["238.84"],"section_title":["\u00a7 238.84 Covered convictions or agreements to enter into pre-trial diversions or similar programs."]},"_input_hash":1502656183,"_task_hash":1930924999,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830776,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"In orders approving the retention by a bank holding company of a 4(c)(8) subsidiary, the Board has stated that it would permit, without any specific regulatory approval, the formation of a wholly owned subsidiary of an approved 4(c)(8) company to engage in activities that such a company could itself engage in directly through a division or department. (Northwestern Financial Corporation, 65 Federal Reserve Bulletin 566 (1979).) Section 4(a)(2) of the Act provides generally that a bank holding company may engage directly in the business of managing and controlling banks and permissible nonbank activities, and in furnishing services directly to its subsidiaries. Even though section 4 of the Act generally prohibits the acquisition of shares of nonbanking organizations, the Board does not believe that such prohibition should apply to the formation by a holding company of a wholly-owned subsidiary to engage in activities that it could engage in directly. Accordingly, as a general matter, the Board will permit without any regulatory approval a bank holding company to form a wholly-owned subsidiary to perform servicing activities for subsidiaries that the holding company itself could perform directly or through a department or a division under section 4(a)(2) of the Act. The Board believes that permitting this type of subsidiary is not inconsistent with the nonbanking prohibitions of section 4 of the Act, and is consistent with the authority in section 4(c)(1)(C) of the Act, which permits a bank holding company, without regulatory approval, to form a subsidiary to perform services for its banking subsidiaries. The Board notes, however, that a servicing subsidiary established by a bank holding company in reliance on this interpretation will be an affiliate of the subsidiary bank of the holding company for the purposes of the lending restrictions of section 23A of the Federal Reserve Act. (12 U.S.C. 371c)","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["225"],"part_title":["PART 225 - BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y)"],"section":["225.141"],"section_title":["\u00a7 225.141 Operations subsidiaries of a bank holding company."]},"_input_hash":-124629949,"_task_hash":-89508181,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816308,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"In orders approving the retention by a bank holding company of a 4(c)(8) subsidiary, the Board has stated that it would permit, without any specific regulatory approval, the formation of a wholly owned subsidiary of an approved 4(c)(8) company to engage in activities that such a company could itself engage in directly through a division or department. (Northwestern Financial Corporation, 65 Federal Reserve Bulletin 566 (1979).) Section 4(a)(2) of the Act provides generally that a bank holding company may engage directly in the business of managing and controlling banks and permissible nonbank activities, and in furnishing services directly to its subsidiaries. Even though section 4 of the Act generally prohibits the acquisition of shares of nonbanking organizations, the Board does not believe that such prohibition should apply to the formation by a holding company of a wholly-owned subsidiary to engage in activities that it could engage in directly. Accordingly, as a general matter, the Board will permit without any regulatory approval a bank holding company to form a wholly-owned subsidiary to perform servicing activities for subsidiaries that the holding company itself could perform directly or through a department or a division under section 4(a)(2) of the Act. The Board believes that permitting this type of subsidiary is not inconsistent with the nonbanking prohibitions of section 4 of the Act, and is consistent with the authority in section 4(c)(1)(C) of the Act, which permits a bank holding company, without regulatory approval, to form a subsidiary to perform services for its banking subsidiaries. The Board notes, however, that a servicing subsidiary established by a bank holding company in reliance on this interpretation will be an affiliate of the subsidiary bank of the holding company for the purposes of the lending restrictions of section 23A of the Federal Reserve Act. (12 U.S.C. 371c)","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["225"],"part_title":["PART 225 - BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y)"],"section":["225.141"],"section_title":["\u00a7 225.141 Operations subsidiaries of a bank holding company."]},"_input_hash":-124629949,"_task_hash":-89508181,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816308,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"For purposes of this part, unless explicitly stated otherwise:, (a) Act means the Fair Credit Reporting Act (15 U.S.C. 1681 et seq.)., (b) Affiliate means any company that is related by common ownership or common corporate control with another company., (c) Reserved, (d) Company means any corporation, limited liability company, business trust, general or limited partnership, association, or similar organization., (e) Consumer means an individual., (f)-(h) Reserved, (i) Common ownership or common corporate control means a relationship between two companies under which:, (1) One company has, with respect to the other company:, (i) Ownership, control, or power to vote 25 percent or more of the outstanding shares of any class of voting security of a company, directly or indirectly, or acting through one or more other persons;, (ii) Control in any manner over the election of a majority of the directors, trustees, or general partners (or individuals exercising similar functions) of a company; or, (iii) The power to exercise, directly or indirectly, a controlling influence over the management or policies of a company, as the FDIC determines; or, (2) Any other person has, with respect to both companies, a relationship described in paragraphs (i)(1)(i) through (i)(1)(iii) of this section., (j) Reserved, (k) Medical information means:, (1) Information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to:, (i) The past, present, or future physical, mental, or behavioral health or condition of an individual;, (ii) The provision of health care to an individual; or, (iii) The payment for the provision of health care to an individual., (2) The term does not include:, (i) The age or gender of a consumer;, (ii) Demographic information about the consumer, including a consumer's residence address or e-mail address;, (iii) Any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy; or, (iv) Information that does not identify a specific consumer., (l) Person means any individual, partnership, corporation, trust, estate cooperative, association, government or governmental subdivision or agency, or other entity., (m) State savings association has the same meaning as in section 3(b)(3) of the Federal Deposit Insurance Act, 12 U.S.C. 1813(b)(3).","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["334"],"part_title":["PART 334 - FAIR CREDIT REPORTING"],"section":["334.3"],"section_title":["\u00a7 334.3 Definitions."]},"_input_hash":-616505410,"_task_hash":-364089406,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844325,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"For purposes of this part, unless explicitly stated otherwise:, (a) Act means the Fair Credit Reporting Act (15 U.S.C. 1681 et seq.)., (b) Affiliate means any company that is related by common ownership or common corporate control with another company., (c) Reserved, (d) Company means any corporation, limited liability company, business trust, general or limited partnership, association, or similar organization., (e) Consumer means an individual., (f)-(h) Reserved, (i) Common ownership or common corporate control means a relationship between two companies under which:, (1) One company has, with respect to the other company:, (i) Ownership, control, or power to vote 25 percent or more of the outstanding shares of any class of voting security of a company, directly or indirectly, or acting through one or more other persons;, (ii) Control in any manner over the election of a majority of the directors, trustees, or general partners (or individuals exercising similar functions) of a company; or, (iii) The power to exercise, directly or indirectly, a controlling influence over the management or policies of a company, as the FDIC determines; or, (2) Any other person has, with respect to both companies, a relationship described in paragraphs (i)(1)(i) through (i)(1)(iii) of this section., (j) Reserved, (k) Medical information means:, (1) Information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to:, (i) The past, present, or future physical, mental, or behavioral health or condition of an individual;, (ii) The provision of health care to an individual; or, (iii) The payment for the provision of health care to an individual., (2) The term does not include:, (i) The age or gender of a consumer;, (ii) Demographic information about the consumer, including a consumer's residence address or e-mail address;, (iii) Any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy; or, (iv) Information that does not identify a specific consumer., (l) Person means any individual, partnership, corporation, trust, estate cooperative, association, government or governmental subdivision or agency, or other entity., (m) State savings association has the same meaning as in section 3(b)(3) of the Federal Deposit Insurance Act, 12 U.S.C. 1813(b)(3).","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["334"],"part_title":["PART 334 - FAIR CREDIT REPORTING"],"section":["334.3"],"section_title":["\u00a7 334.3 Definitions."]},"_input_hash":-616505410,"_task_hash":-364089406,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815752,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"For purposes of this part, unless explicitly stated otherwise:, (a) Act means the Fair Credit Reporting Act (15 U.S.C. 1681 et seq.)., (b) Affiliate means any company that is related by common ownership or common corporate control with another company., (c) Reserved, (d) Company means any corporation, limited liability company, business trust, general or limited partnership, association, or similar organization., (e) Consumer means an individual., (f)-(h) Reserved, (i) Common ownership or common corporate control means a relationship between two companies under which:, (1) One company has, with respect to the other company:, (i) Ownership, control, or power to vote 25 percent or more of the outstanding shares of any class of voting security of a company, directly or indirectly, or acting through one or more other persons;, (ii) Control in any manner over the election of a majority of the directors, trustees, or general partners (or individuals exercising similar functions) of a company; or, (iii) The power to exercise, directly or indirectly, a controlling influence over the management or policies of a company, as the FDIC determines; or, (2) Any other person has, with respect to both companies, a relationship described in paragraphs (i)(1)(i) through (i)(1)(iii) of this section., (j) Reserved, (k) Medical information means:, (1) Information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to:, (i) The past, present, or future physical, mental, or behavioral health or condition of an individual;, (ii) The provision of health care to an individual; or, (iii) The payment for the provision of health care to an individual., (2) The term does not include:, (i) The age or gender of a consumer;, (ii) Demographic information about the consumer, including a consumer's residence address or e-mail address;, (iii) Any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy; or, (iv) Information that does not identify a specific consumer., (l) Person means any individual, partnership, corporation, trust, estate cooperative, association, government or governmental subdivision or agency, or other entity., (m) State savings association has the same meaning as in section 3(b)(3) of the Federal Deposit Insurance Act, 12 U.S.C. 1813(b)(3).","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["334"],"part_title":["PART 334 - FAIR CREDIT REPORTING"],"section":["334.3"],"section_title":["\u00a7 334.3 Definitions."]},"_input_hash":-616505410,"_task_hash":1706818283,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711824101,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"For purposes of this part, unless explicitly stated otherwise:, (a) Act means the Fair Credit Reporting Act (15 U.S.C. 1681 et seq.)., (b) Affiliate means any company that is related by common ownership or common corporate control with another company., (c) Reserved, (d) Company means any corporation, limited liability company, business trust, general or limited partnership, association, or similar organization., (e) Consumer means an individual., (f)-(h) Reserved, (i) Common ownership or common corporate control means a relationship between two companies under which:, (1) One company has, with respect to the other company:, (i) Ownership, control, or power to vote 25 percent or more of the outstanding shares of any class of voting security of a company, directly or indirectly, or acting through one or more other persons;, (ii) Control in any manner over the election of a majority of the directors, trustees, or general partners (or individuals exercising similar functions) of a company; or, (iii) The power to exercise, directly or indirectly, a controlling influence over the management or policies of a company, as the FDIC determines; or, (2) Any other person has, with respect to both companies, a relationship described in paragraphs (i)(1)(i) through (i)(1)(iii) of this section., (j) Reserved, (k) Medical information means:, (1) Information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to:, (i) The past, present, or future physical, mental, or behavioral health or condition of an individual;, (ii) The provision of health care to an individual; or, (iii) The payment for the provision of health care to an individual., (2) The term does not include:, (i) The age or gender of a consumer;, (ii) Demographic information about the consumer, including a consumer's residence address or e-mail address;, (iii) Any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy; or, (iv) Information that does not identify a specific consumer., (l) Person means any individual, partnership, corporation, trust, estate cooperative, association, government or governmental subdivision or agency, or other entity., (m) State savings association has the same meaning as in section 3(b)(3) of the Federal Deposit Insurance Act, 12 U.S.C. 1813(b)(3).","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["334"],"part_title":["PART 334 - FAIR CREDIT REPORTING"],"section":["334.3"],"section_title":["\u00a7 334.3 Definitions."]},"_input_hash":-616505410,"_task_hash":-24132367,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711840554,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) General. For filings subject to a public notice requirement, any person may inspect or request a copy of the non-confidential portions of a filing (the public file) until 180 days following final disposition of a filing. Following the 180-day period, non-confidential portions of an application file will be made available in accordance with ' 303.8(c). The public file generally consists of portions of the filing, supporting data, supplementary information, and comments submitted by interested persons (if any) to the extent that the documents have not been afforded confidential treatment. To view or request photocopies of the public file, an oral or written request should be submitted to the appropriate FDIC office. The public file will be produced for review not more than one business day after receipt by the appropriate FDIC office of the request (either written or oral) to see the file. The FDIC may impose a fee for photocopying in accordance with \u00a7 309.5(f) of this chapter at the rates the FDIC publishes annually in the Federal Register., (b) Confidential treatment. (1) The applicant may request that specific information be treated as confidential. The following information generally is considered confidential:, (i) Personal information, the release of which would constitute a clearly unwarranted invasion of privacy;, (ii) Commercial or financial information, the disclosure of which could result in substantial competitive harm to the submitter; and, (iii) Information, the disclosure of which could seriously affect the financial condition of any depository institution., (2) If an applicant requests confidential treatment for information that the FDIC does not consider to be confidential, the FDIC may include that information in the public file after notifying the applicant. On its own initiative, the FDIC may determine that certain information should be treated as confidential and withhold that information from the public file. , (c) FOIA requests. A written request for information withheld from the public file, or copies of the public file following closure of the file 180 days after final disposition, should be submitted pursuant to the Freedom of Information Act (5 U.S.C. 552) and part 309 of this chapter to the FDIC, Attn: FOIA/Privacy Group, Legal Division, 550 17th Street, NW., Washington, DC 20429.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["303"],"part_title":["PART 303 - FILING PROCEDURES"],"section":["303.8"],"section_title":["\u00a7 303.8 Public access to filing."]},"_input_hash":1566159512,"_task_hash":-7585460,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844346,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) General. For filings subject to a public notice requirement, any person may inspect or request a copy of the non-confidential portions of a filing (the public file) until 180 days following final disposition of a filing. Following the 180-day period, non-confidential portions of an application file will be made available in accordance with ' 303.8(c). The public file generally consists of portions of the filing, supporting data, supplementary information, and comments submitted by interested persons (if any) to the extent that the documents have not been afforded confidential treatment. To view or request photocopies of the public file, an oral or written request should be submitted to the appropriate FDIC office. The public file will be produced for review not more than one business day after receipt by the appropriate FDIC office of the request (either written or oral) to see the file. The FDIC may impose a fee for photocopying in accordance with \u00a7 309.5(f) of this chapter at the rates the FDIC publishes annually in the Federal Register., (b) Confidential treatment. (1) The applicant may request that specific information be treated as confidential. The following information generally is considered confidential:, (i) Personal information, the release of which would constitute a clearly unwarranted invasion of privacy;, (ii) Commercial or financial information, the disclosure of which could result in substantial competitive harm to the submitter; and, (iii) Information, the disclosure of which could seriously affect the financial condition of any depository institution., (2) If an applicant requests confidential treatment for information that the FDIC does not consider to be confidential, the FDIC may include that information in the public file after notifying the applicant. On its own initiative, the FDIC may determine that certain information should be treated as confidential and withhold that information from the public file. , (c) FOIA requests. A written request for information withheld from the public file, or copies of the public file following closure of the file 180 days after final disposition, should be submitted pursuant to the Freedom of Information Act (5 U.S.C. 552) and part 309 of this chapter to the FDIC, Attn: FOIA/Privacy Group, Legal Division, 550 17th Street, NW., Washington, DC 20429.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["303"],"part_title":["PART 303 - FILING PROCEDURES"],"section":["303.8"],"section_title":["\u00a7 303.8 Public access to filing."]},"_input_hash":1566159512,"_task_hash":-7585460,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815771,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) General. For filings subject to a public notice requirement, any person may inspect or request a copy of the non-confidential portions of a filing (the public file) until 180 days following final disposition of a filing. Following the 180-day period, non-confidential portions of an application file will be made available in accordance with ' 303.8(c). The public file generally consists of portions of the filing, supporting data, supplementary information, and comments submitted by interested persons (if any) to the extent that the documents have not been afforded confidential treatment. To view or request photocopies of the public file, an oral or written request should be submitted to the appropriate FDIC office. The public file will be produced for review not more than one business day after receipt by the appropriate FDIC office of the request (either written or oral) to see the file. The FDIC may impose a fee for photocopying in accordance with \u00a7 309.5(f) of this chapter at the rates the FDIC publishes annually in the Federal Register., (b) Confidential treatment. (1) The applicant may request that specific information be treated as confidential. The following information generally is considered confidential:, (i) Personal information, the release of which would constitute a clearly unwarranted invasion of privacy;, (ii) Commercial or financial information, the disclosure of which could result in substantial competitive harm to the submitter; and, (iii) Information, the disclosure of which could seriously affect the financial condition of any depository institution., (2) If an applicant requests confidential treatment for information that the FDIC does not consider to be confidential, the FDIC may include that information in the public file after notifying the applicant. On its own initiative, the FDIC may determine that certain information should be treated as confidential and withhold that information from the public file. , (c) FOIA requests. A written request for information withheld from the public file, or copies of the public file following closure of the file 180 days after final disposition, should be submitted pursuant to the Freedom of Information Act (5 U.S.C. 552) and part 309 of this chapter to the FDIC, Attn: FOIA/Privacy Group, Legal Division, 550 17th Street, NW., Washington, DC 20429.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["303"],"part_title":["PART 303 - FILING PROCEDURES"],"section":["303.8"],"section_title":["\u00a7 303.8 Public access to filing."]},"_input_hash":1566159512,"_task_hash":-873769339,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830786,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"The FDIC may impose such conditions on authority granted in this subpart as it considers appropriate. If a bank is unable or fails to comply with the requirements of this subpart or any conditions imposed by the FDIC regarding transactions under this subpart, the FDIC may require termination of any activities or divestiture of investments permitted under this subpart after giving the bank notice and a reasonable opportunity to be heard on the matter.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["347"],"part_title":["PART 347 - INTERNATIONAL BANKING"],"section":["347.122"],"section_title":["\u00a7 347.122 Limitations applicable to the authority provided in this subpart."]},"_input_hash":1930287643,"_task_hash":-1510044544,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844348,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"tyler\""],"versions":[{"text":"The FDIC may impose such conditions on authority granted in this subpart as it considers appropriate. If a bank is unable or fails to comply with the requirements of this subpart or any conditions imposed by the FDIC regarding transactions under this subpart, the FDIC may require termination of any activities or divestiture of investments permitted under this subpart after giving the bank notice and a reasonable opportunity to be heard on the matter.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["347"],"part_title":["PART 347 - INTERNATIONAL BANKING"],"section":["347.122"],"section_title":["\u00a7 347.122 Limitations applicable to the authority provided in this subpart."]},"_input_hash":1930287643,"_task_hash":-1662597118,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815787,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"The FDIC may impose such conditions on authority granted in this subpart as it considers appropriate. If a bank is unable or fails to comply with the requirements of this subpart or any conditions imposed by the FDIC regarding transactions under this subpart, the FDIC may require termination of any activities or divestiture of investments permitted under this subpart after giving the bank notice and a reasonable opportunity to be heard on the matter.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["347"],"part_title":["PART 347 - INTERNATIONAL BANKING"],"section":["347.122"],"section_title":["\u00a7 347.122 Limitations applicable to the authority provided in this subpart."]},"_input_hash":1930287643,"_task_hash":-1510044544,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711824135,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"When a credit balance in excess of $1 is created in connection with a transaction (through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of a consumer), the creditor shall:, (a) Credit the amount of the credit balance to the consumer's account;, (b) Refund any part of the remaining credit balance, upon the written request of the consumer; and, (c) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumer's current location is not known to the creditor and cannot be traced through the consumer's last known address or telephone number.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["226"],"part_title":["PART 226 - TRUTH IN LENDING (REGULATION Z)"],"section":["226.21"],"section_title":["\u00a7 226.21 Treatment of credit balances."]},"_input_hash":1519169318,"_task_hash":-857951012,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844349,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"When a credit balance in excess of $1 is created in connection with a transaction (through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of a consumer), the creditor shall:, (a) Credit the amount of the credit balance to the consumer's account;, (b) Refund any part of the remaining credit balance, upon the written request of the consumer; and, (c) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumer's current location is not known to the creditor and cannot be traced through the consumer's last known address or telephone number.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["226"],"part_title":["PART 226 - TRUTH IN LENDING (REGULATION Z)"],"section":["226.21"],"section_title":["\u00a7 226.21 Treatment of credit balances."]},"_input_hash":1519169318,"_task_hash":-857951012,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815797,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"When a credit balance in excess of $1 is created in connection with a transaction (through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of a consumer), the creditor shall:, (a) Credit the amount of the credit balance to the consumer's account;, (b) Refund any part of the remaining credit balance, upon the written request of the consumer; and, (c) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumer's current location is not known to the creditor and cannot be traced through the consumer's last known address or telephone number.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["226"],"part_title":["PART 226 - TRUTH IN LENDING (REGULATION Z)"],"section":["226.21"],"section_title":["\u00a7 226.21 Treatment of credit balances."]},"_input_hash":1519169318,"_task_hash":-410284024,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830800,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"Upon a change in circumstances, an institution may request the Farm Credit Administration to reconsider the terms of its capital directive or may propose changes in the plan to achieve the institution's applicable minimum capital ratios. The Farm Credit Administration also may take such action on its own motion. The Farm Credit Administration may decline to consider requests or proposals that are not based on a significant change in circumstances or are repetitive or frivolous. Pending a decision on reconsideration, the capital directive and plan shall continue in full force and effect. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["615"],"part_title":["PART 615 - FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS"],"section":["615.5360"],"section_title":["\u00a7 615.5360 Reconsideration based on change in circumstances."]},"_input_hash":-1566335655,"_task_hash":-50386073,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844351,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"Upon a change in circumstances, an institution may request the Farm Credit Administration to reconsider the terms of its capital directive or may propose changes in the plan to achieve the institution's applicable minimum capital ratios. The Farm Credit Administration also may take such action on its own motion. The Farm Credit Administration may decline to consider requests or proposals that are not based on a significant change in circumstances or are repetitive or frivolous. Pending a decision on reconsideration, the capital directive and plan shall continue in full force and effect. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["615"],"part_title":["PART 615 - FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS"],"section":["615.5360"],"section_title":["\u00a7 615.5360 Reconsideration based on change in circumstances."]},"_input_hash":-1566335655,"_task_hash":-50386073,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815826,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"Upon a change in circumstances, an institution may request the Farm Credit Administration to reconsider the terms of its capital directive or may propose changes in the plan to achieve the institution's applicable minimum capital ratios. The Farm Credit Administration also may take such action on its own motion. The Farm Credit Administration may decline to consider requests or proposals that are not based on a significant change in circumstances or are repetitive or frivolous. Pending a decision on reconsideration, the capital directive and plan shall continue in full force and effect. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["615"],"part_title":["PART 615 - FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS"],"section":["615.5360"],"section_title":["\u00a7 615.5360 Reconsideration based on change in circumstances."]},"_input_hash":-1566335655,"_task_hash":-251113470,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711824179,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"Upon a change in circumstances, an institution may request the Farm Credit Administration to reconsider the terms of its capital directive or may propose changes in the plan to achieve the institution's applicable minimum capital ratios. The Farm Credit Administration also may take such action on its own motion. The Farm Credit Administration may decline to consider requests or proposals that are not based on a significant change in circumstances or are repetitive or frivolous. Pending a decision on reconsideration, the capital directive and plan shall continue in full force and effect. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["615"],"part_title":["PART 615 - FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS"],"section":["615.5360"],"section_title":["\u00a7 615.5360 Reconsideration based on change in circumstances."]},"_input_hash":-1566335655,"_task_hash":681264865,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711840678,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"For purposes of this part: , (a) The term Corporation means the Federal Deposit Insurance Corporation; , (b) The term individual means a natural person who is either a citizen of the United States or an alien lawfully admitted for permanent residence; , (c) The term maintain includes maintain, collect, use, disseminate, or control; , (d) The term record means any item, collection or grouping of information about an individual that contains his/her name, or the identifying number, symbol, or other identifying particular assigned to the individual; , (e) The term system of records means a group of any records under the control of the Corporation from which information is retrieved by the name of the individual or some identifying number, symbol or other identifying particular assigned to the individual; , (f) The term designated system of records means a system of records which has been listed and summarized in the Federal Register pursuant to the requirements of 5 U.S.C. 552a(e); , (g) The term routine use means, with respect to disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was created; , (h) The terms amend or amendment mean any correction, addition to or deletion from a record; and , (i) The term system manager means the agency official responsible for a designated system of records, as denominated in the Federal Register publication of \u201cSystems of Records Maintained by the Federal Deposit Insurance Corporation.\u201d","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["310"],"part_title":["PART 310 - PRIVACY ACT REGULATIONS"],"section":["310.2"],"section_title":["\u00a7 310.2 Definitions."]},"_input_hash":711872247,"_task_hash":-146076631,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844352,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"For purposes of this part: , (a) The term Corporation means the Federal Deposit Insurance Corporation; , (b) The term individual means a natural person who is either a citizen of the United States or an alien lawfully admitted for permanent residence; , (c) The term maintain includes maintain, collect, use, disseminate, or control; , (d) The term record means any item, collection or grouping of information about an individual that contains his/her name, or the identifying number, symbol, or other identifying particular assigned to the individual; , (e) The term system of records means a group of any records under the control of the Corporation from which information is retrieved by the name of the individual or some identifying number, symbol or other identifying particular assigned to the individual; , (f) The term designated system of records means a system of records which has been listed and summarized in the Federal Register pursuant to the requirements of 5 U.S.C. 552a(e); , (g) The term routine use means, with respect to disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was created; , (h) The terms amend or amendment mean any correction, addition to or deletion from a record; and , (i) The term system manager means the agency official responsible for a designated system of records, as denominated in the Federal Register publication of \u201cSystems of Records Maintained by the Federal Deposit Insurance Corporation.\u201d","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["310"],"part_title":["PART 310 - PRIVACY ACT REGULATIONS"],"section":["310.2"],"section_title":["\u00a7 310.2 Definitions."]},"_input_hash":711872247,"_task_hash":-146076631,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815865,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"For purposes of this part: , (a) The term Corporation means the Federal Deposit Insurance Corporation; , (b) The term individual means a natural person who is either a citizen of the United States or an alien lawfully admitted for permanent residence; , (c) The term maintain includes maintain, collect, use, disseminate, or control; , (d) The term record means any item, collection or grouping of information about an individual that contains his/her name, or the identifying number, symbol, or other identifying particular assigned to the individual; , (e) The term system of records means a group of any records under the control of the Corporation from which information is retrieved by the name of the individual or some identifying number, symbol or other identifying particular assigned to the individual; , (f) The term designated system of records means a system of records which has been listed and summarized in the Federal Register pursuant to the requirements of 5 U.S.C. 552a(e); , (g) The term routine use means, with respect to disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was created; , (h) The terms amend or amendment mean any correction, addition to or deletion from a record; and , (i) The term system manager means the agency official responsible for a designated system of records, as denominated in the Federal Register publication of \u201cSystems of Records Maintained by the Federal Deposit Insurance Corporation.\u201d","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["310"],"part_title":["PART 310 - PRIVACY ACT REGULATIONS"],"section":["310.2"],"section_title":["\u00a7 310.2 Definitions."]},"_input_hash":711872247,"_task_hash":-435405094,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711824199,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"For purposes of this part: , (a) The term Corporation means the Federal Deposit Insurance Corporation; , (b) The term individual means a natural person who is either a citizen of the United States or an alien lawfully admitted for permanent residence; , (c) The term maintain includes maintain, collect, use, disseminate, or control; , (d) The term record means any item, collection or grouping of information about an individual that contains his/her name, or the identifying number, symbol, or other identifying particular assigned to the individual; , (e) The term system of records means a group of any records under the control of the Corporation from which information is retrieved by the name of the individual or some identifying number, symbol or other identifying particular assigned to the individual; , (f) The term designated system of records means a system of records which has been listed and summarized in the Federal Register pursuant to the requirements of 5 U.S.C. 552a(e); , (g) The term routine use means, with respect to disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was created; , (h) The terms amend or amendment mean any correction, addition to or deletion from a record; and , (i) The term system manager means the agency official responsible for a designated system of records, as denominated in the Federal Register publication of \u201cSystems of Records Maintained by the Federal Deposit Insurance Corporation.\u201d","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["310"],"part_title":["PART 310 - PRIVACY ACT REGULATIONS"],"section":["310.2"],"section_title":["\u00a7 310.2 Definitions."]},"_input_hash":711872247,"_task_hash":-246155322,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711840750,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) No limiting effect on resolution proceedings. A resolution plan submitted pursuant to this part shall not have any binding effect on FHFA when appointed as conservator or receiver under 12 U.S.C. 4617., (b) No private right of action. Nothing in this part creates or is intended to create a private right of action based on a resolution plan prepared or submitted under this part or based on any action taken by FHFA with respect to any resolution plan submitted under this part.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["C"],"subchapter_title":["SUBCHAPTER C - ENTERPRISES"],"part":["1242"],"part_title":["PART 1242 - RESOLUTION PLANNING"],"section":["1242.8"],"section_title":["\u00a7 1242.8 No limiting effect or private right of action."]},"_input_hash":2041774586,"_task_hash":-1171428290,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844353,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"tyler\""],"versions":[{"text":"(a) No limiting effect on resolution proceedings. A resolution plan submitted pursuant to this part shall not have any binding effect on FHFA when appointed as conservator or receiver under 12 U.S.C. 4617., (b) No private right of action. Nothing in this part creates or is intended to create a private right of action based on a resolution plan prepared or submitted under this part or based on any action taken by FHFA with respect to any resolution plan submitted under this part.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["C"],"subchapter_title":["SUBCHAPTER C - ENTERPRISES"],"part":["1242"],"part_title":["PART 1242 - RESOLUTION PLANNING"],"section":["1242.8"],"section_title":["\u00a7 1242.8 No limiting effect or private right of action."]},"_input_hash":2041774586,"_task_hash":-784662038,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815892,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"(a) No limiting effect on resolution proceedings. A resolution plan submitted pursuant to this part shall not have any binding effect on FHFA when appointed as conservator or receiver under 12 U.S.C. 4617., (b) No private right of action. Nothing in this part creates or is intended to create a private right of action based on a resolution plan prepared or submitted under this part or based on any action taken by FHFA with respect to any resolution plan submitted under this part.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["C"],"subchapter_title":["SUBCHAPTER C - ENTERPRISES"],"part":["1242"],"part_title":["PART 1242 - RESOLUTION PLANNING"],"section":["1242.8"],"section_title":["\u00a7 1242.8 No limiting effect or private right of action."]},"_input_hash":2041774586,"_task_hash":-1171428290,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711824218,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) When required. The Corporation will maintain a complete transcript, identifying each speaker, to record fully the proceedings of each meeting or portion of a meeting closed to the public, except that in the case of a meeting or portions of a meeting closed to the public pursuant to paragraph (b)(8), (9)(i), or (10) of \u00a7 311.3, the Corporation may, in lieu of a transcript, maintain a set of minutes. , (b) Content of minutes. If minutes are maintained, they will fully and clearly describe all matters discussed and will provide a full and accurate summary of any actions taken, and the reasons for taking such action. Minutes will also include a description of each of the views expressed by each person in attendance on any item and the record of any roll call vote, reflecting the vote of each member. All documents considered in connection with any action will be identified in the minutes. , (c) Available material. The Corporation will maintain a complete verbatim copy of the transcript or minutes of each meeting or portion of a meeting closed to the public for a period of at least 2 years after the meeting, or until 1 year after the conclusion of any proceeding with respect to which the meeting or portion was held, whichever occurs later. The Corporation will make promptly available to the public the transcript, identifying each speaker, or minutes of items on the agenda or testimony of any witness received at the closed meeting except that in cases where the Privacy Act of 1974 (5 U.S.C. 552a) does not apply, the Corporation may withhold information exempt from disclosure under \u00a7 311.3(b). For the convenience of members of the public who may be unable to attend open meetings of the Board, the Corporation will maintain for at least 2 years a set of minutes of each meeting of the Board or portion thereof open to public observation. , (d) Procedures for inspecting or copying available material. (1) An individual may inspect materials made available under paragraph (c) of this section at the offices of the Executive Secretary, Federal Deposit Insurance Corporation, 550 17th Street, NW., Washington, DC 20429, during normal business hours. If the individual desires a copy of such material, the Corporation will furnish copies at a cost of 10 cents per page. Whenever the Corporation determines that in the public interest a reduction or waiver is warranted, it may reduce or waive any fees imposed under this section. , (2) An individual may also submit a written request for transcripts or minutes, reasonably identifying the records sought, to the Executive Secretary, Federal Deposit Insurance Corporation, 550 17th Street, NW., Washington, DC 20429. , (e) Procedures for obtaining documents identified in minutes. Copies of documents identified in minutes or considered by the Board in connection with any action identified in the minutes may be made available to the public upon request, to the extent permitted by the Freedom of Information Act, under the provisions of 12 CFR part 309, Disclosure of Information. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["311"],"part_title":["PART 311 - RULES GOVERNING PUBLIC OBSERVATION OF MEETINGS OF THE CORPORATION'S BOARD OF DIRECTORS"],"section":["311.8"],"section_title":["\u00a7 311.8 Transcripts and minutes of meetings."]},"_input_hash":362628137,"_task_hash":-1681181871,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844355,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) When required. The Corporation will maintain a complete transcript, identifying each speaker, to record fully the proceedings of each meeting or portion of a meeting closed to the public, except that in the case of a meeting or portions of a meeting closed to the public pursuant to paragraph (b)(8), (9)(i), or (10) of \u00a7 311.3, the Corporation may, in lieu of a transcript, maintain a set of minutes. , (b) Content of minutes. If minutes are maintained, they will fully and clearly describe all matters discussed and will provide a full and accurate summary of any actions taken, and the reasons for taking such action. Minutes will also include a description of each of the views expressed by each person in attendance on any item and the record of any roll call vote, reflecting the vote of each member. All documents considered in connection with any action will be identified in the minutes. , (c) Available material. The Corporation will maintain a complete verbatim copy of the transcript or minutes of each meeting or portion of a meeting closed to the public for a period of at least 2 years after the meeting, or until 1 year after the conclusion of any proceeding with respect to which the meeting or portion was held, whichever occurs later. The Corporation will make promptly available to the public the transcript, identifying each speaker, or minutes of items on the agenda or testimony of any witness received at the closed meeting except that in cases where the Privacy Act of 1974 (5 U.S.C. 552a) does not apply, the Corporation may withhold information exempt from disclosure under \u00a7 311.3(b). For the convenience of members of the public who may be unable to attend open meetings of the Board, the Corporation will maintain for at least 2 years a set of minutes of each meeting of the Board or portion thereof open to public observation. , (d) Procedures for inspecting or copying available material. (1) An individual may inspect materials made available under paragraph (c) of this section at the offices of the Executive Secretary, Federal Deposit Insurance Corporation, 550 17th Street, NW., Washington, DC 20429, during normal business hours. If the individual desires a copy of such material, the Corporation will furnish copies at a cost of 10 cents per page. Whenever the Corporation determines that in the public interest a reduction or waiver is warranted, it may reduce or waive any fees imposed under this section. , (2) An individual may also submit a written request for transcripts or minutes, reasonably identifying the records sought, to the Executive Secretary, Federal Deposit Insurance Corporation, 550 17th Street, NW., Washington, DC 20429. , (e) Procedures for obtaining documents identified in minutes. Copies of documents identified in minutes or considered by the Board in connection with any action identified in the minutes may be made available to the public upon request, to the extent permitted by the Freedom of Information Act, under the provisions of 12 CFR part 309, Disclosure of Information. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["311"],"part_title":["PART 311 - RULES GOVERNING PUBLIC OBSERVATION OF MEETINGS OF THE CORPORATION'S BOARD OF DIRECTORS"],"section":["311.8"],"section_title":["\u00a7 311.8 Transcripts and minutes of meetings."]},"_input_hash":362628137,"_task_hash":-1681181871,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815917,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) When required. The Corporation will maintain a complete transcript, identifying each speaker, to record fully the proceedings of each meeting or portion of a meeting closed to the public, except that in the case of a meeting or portions of a meeting closed to the public pursuant to paragraph (b)(8), (9)(i), or (10) of \u00a7 311.3, the Corporation may, in lieu of a transcript, maintain a set of minutes. , (b) Content of minutes. If minutes are maintained, they will fully and clearly describe all matters discussed and will provide a full and accurate summary of any actions taken, and the reasons for taking such action. Minutes will also include a description of each of the views expressed by each person in attendance on any item and the record of any roll call vote, reflecting the vote of each member. All documents considered in connection with any action will be identified in the minutes. , (c) Available material. The Corporation will maintain a complete verbatim copy of the transcript or minutes of each meeting or portion of a meeting closed to the public for a period of at least 2 years after the meeting, or until 1 year after the conclusion of any proceeding with respect to which the meeting or portion was held, whichever occurs later. The Corporation will make promptly available to the public the transcript, identifying each speaker, or minutes of items on the agenda or testimony of any witness received at the closed meeting except that in cases where the Privacy Act of 1974 (5 U.S.C. 552a) does not apply, the Corporation may withhold information exempt from disclosure under \u00a7 311.3(b). For the convenience of members of the public who may be unable to attend open meetings of the Board, the Corporation will maintain for at least 2 years a set of minutes of each meeting of the Board or portion thereof open to public observation. , (d) Procedures for inspecting or copying available material. (1) An individual may inspect materials made available under paragraph (c) of this section at the offices of the Executive Secretary, Federal Deposit Insurance Corporation, 550 17th Street, NW., Washington, DC 20429, during normal business hours. If the individual desires a copy of such material, the Corporation will furnish copies at a cost of 10 cents per page. Whenever the Corporation determines that in the public interest a reduction or waiver is warranted, it may reduce or waive any fees imposed under this section. , (2) An individual may also submit a written request for transcripts or minutes, reasonably identifying the records sought, to the Executive Secretary, Federal Deposit Insurance Corporation, 550 17th Street, NW., Washington, DC 20429. , (e) Procedures for obtaining documents identified in minutes. Copies of documents identified in minutes or considered by the Board in connection with any action identified in the minutes may be made available to the public upon request, to the extent permitted by the Freedom of Information Act, under the provisions of 12 CFR part 309, Disclosure of Information. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["311"],"part_title":["PART 311 - RULES GOVERNING PUBLIC OBSERVATION OF MEETINGS OF THE CORPORATION'S BOARD OF DIRECTORS"],"section":["311.8"],"section_title":["\u00a7 311.8 Transcripts and minutes of meetings."]},"_input_hash":362628137,"_task_hash":-1482551495,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711840801,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"Where the investigator has found that a prima facie case does not exist, a party, including an intervenor but excluding the respondent or other parties having the same interest as the respondent, within 5 days after receiving the Center's determination may petition the panel to set aside the determination and to cause formal proceedings, set forth in \u00a7 269b.410, to be invoked. The panel may grant such petition only on grounds that the Center or its agents were arbitrary, capricious, or acted contrary to law or the policy, or that the investigator's determination is clearly erroneous. The filing requirements for such a petition shall be the same as that for the filing of a charge, as set forth in \u00a7 269b.111. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["269b"],"part_title":["PART 269b - CHARGES OF UNFAIR LABOR PRACTICES"],"section":["269b.310"],"section_title":["\u00a7 269b.310 Appeal rights."]},"_input_hash":797454409,"_task_hash":-585983716,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844356,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"Where the investigator has found that a prima facie case does not exist, a party, including an intervenor but excluding the respondent or other parties having the same interest as the respondent, within 5 days after receiving the Center's determination may petition the panel to set aside the determination and to cause formal proceedings, set forth in \u00a7 269b.410, to be invoked. The panel may grant such petition only on grounds that the Center or its agents were arbitrary, capricious, or acted contrary to law or the policy, or that the investigator's determination is clearly erroneous. The filing requirements for such a petition shall be the same as that for the filing of a charge, as set forth in \u00a7 269b.111. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["269b"],"part_title":["PART 269b - CHARGES OF UNFAIR LABOR PRACTICES"],"section":["269b.310"],"section_title":["\u00a7 269b.310 Appeal rights."]},"_input_hash":797454409,"_task_hash":-585983716,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815955,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"Where the investigator has found that a prima facie case does not exist, a party, including an intervenor but excluding the respondent or other parties having the same interest as the respondent, within 5 days after receiving the Center's determination may petition the panel to set aside the determination and to cause formal proceedings, set forth in \u00a7 269b.410, to be invoked. The panel may grant such petition only on grounds that the Center or its agents were arbitrary, capricious, or acted contrary to law or the policy, or that the investigator's determination is clearly erroneous. The filing requirements for such a petition shall be the same as that for the filing of a charge, as set forth in \u00a7 269b.111. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["269b"],"part_title":["PART 269b - CHARGES OF UNFAIR LABOR PRACTICES"],"section":["269b.310"],"section_title":["\u00a7 269b.310 Appeal rights."]},"_input_hash":797454409,"_task_hash":1663603179,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711824290,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false}],"view_id":"choice"}
+{"text":"(a)(1) Information you receive under an exception. If you receive nonpublic personal information from a nonaffiliated financial institution under an exception in \u00a7 332.14 or 332.15 of this part, your disclosure and use of that information is limited as follows: , (i) You may disclose the information to the affiliates of the financial institution from which you received the information; , (ii) You may disclose the information to your affiliates, but your affiliates may, in turn, disclose and use the information only to the extent that you may disclose and use the information; and , (iii) You may disclose and use the information pursuant to an exception in \u00a7 332.14 or 332.15 in the ordinary course of business to carry out the activity covered by the exception under which you received the information. , (2) Example. If you receive a customer list from a nonaffiliated financial institution in order to provide account processing services under the exception in \u00a7 332.14(a), you may disclose that information under any exception in \u00a7 332.14 or 332.15 in the ordinary course of business in order to provide those services. For example, you could disclose the information in response to a properly authorized subpoena or to your attorneys, accountants, and auditors. You could not disclose that information to a third party for marketing purposes or use that information for your own marketing purposes. , (b)(1) Information you receive outside of an exception. If you receive nonpublic personal information from a nonaffiliated financial institution other than under an exception in \u00a7 332.14 or 332.15 of this part, you may disclose the information only: , (i) To the affiliates of the financial institution from which you received the information; , (ii) To your affiliates, but your affiliates may, in turn, disclose the information only to the extent that you can disclose the information; and , (iii) To any other person, if the disclosure would be lawful if made directly to that person by the financial institution from which you received the information. , (2) Example. If you obtain a customer list from a nonaffiliated financial institution outside of the exceptions in \u00a7 332.14 and 332.15: , (i) You may use that list for your own purposes; and , (ii) You may disclose that list to another nonaffiliated third party only if the financial institution from which you purchased the list could have lawfully disclosed the list to that third party. That is, you may disclose the list in accordance with the privacy policy of the financial institution from which you received the list, as limited by the opt out direction of each consumer whose nonpublic personal information you intend to disclose, and you may disclose the list in accordance with an exception in \u00a7 332.14 or 332.15, such as to your attorneys or accountants. , (c) Information you disclose under an exception. If you disclose nonpublic personal information to a nonaffiliated third party under an exception in \u00a7 332.14 or 332.15 of this part, the third party may disclose and use that information only as follows: , (1) The third party may disclose the information to your affiliates; , (2) The third party may disclose the information to its affiliates, but its affiliates may, in turn, disclose and use the information only to the extent that the third party may disclose and use the information; and , (3) The third party may disclose and use the information pursuant to an exception in \u00a7 332.14 or 332.15 in the ordinary course of business to carry out the activity covered by the exception under which it received the information. , (d) Information you disclose outside of an exception. If you disclose nonpublic personal information to a nonaffiliated third party other than under an exception in \u00a7 332.14 or 332.15 of this part, the third party may disclose the information only: , (1) To your affiliates; , (2) To its affiliates, but its affiliates, in turn, may disclose the information only to the extent the third party can disclose the information; and, (3) To any other person, if the disclosure would be lawful if you made it directly to that person. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["332"],"part_title":["PART 332 - PRIVACY OF CONSUMER FINANCIAL INFORMATION"],"section":["332.11"],"section_title":["\u00a7 332.11 Limits on redisclosure and reuse of information."]},"_input_hash":1920923071,"_task_hash":-897276303,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844358,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a)(1) Information you receive under an exception. If you receive nonpublic personal information from a nonaffiliated financial institution under an exception in \u00a7 332.14 or 332.15 of this part, your disclosure and use of that information is limited as follows: , (i) You may disclose the information to the affiliates of the financial institution from which you received the information; , (ii) You may disclose the information to your affiliates, but your affiliates may, in turn, disclose and use the information only to the extent that you may disclose and use the information; and , (iii) You may disclose and use the information pursuant to an exception in \u00a7 332.14 or 332.15 in the ordinary course of business to carry out the activity covered by the exception under which you received the information. , (2) Example. If you receive a customer list from a nonaffiliated financial institution in order to provide account processing services under the exception in \u00a7 332.14(a), you may disclose that information under any exception in \u00a7 332.14 or 332.15 in the ordinary course of business in order to provide those services. For example, you could disclose the information in response to a properly authorized subpoena or to your attorneys, accountants, and auditors. You could not disclose that information to a third party for marketing purposes or use that information for your own marketing purposes. , (b)(1) Information you receive outside of an exception. If you receive nonpublic personal information from a nonaffiliated financial institution other than under an exception in \u00a7 332.14 or 332.15 of this part, you may disclose the information only: , (i) To the affiliates of the financial institution from which you received the information; , (ii) To your affiliates, but your affiliates may, in turn, disclose the information only to the extent that you can disclose the information; and , (iii) To any other person, if the disclosure would be lawful if made directly to that person by the financial institution from which you received the information. , (2) Example. If you obtain a customer list from a nonaffiliated financial institution outside of the exceptions in \u00a7 332.14 and 332.15: , (i) You may use that list for your own purposes; and , (ii) You may disclose that list to another nonaffiliated third party only if the financial institution from which you purchased the list could have lawfully disclosed the list to that third party. That is, you may disclose the list in accordance with the privacy policy of the financial institution from which you received the list, as limited by the opt out direction of each consumer whose nonpublic personal information you intend to disclose, and you may disclose the list in accordance with an exception in \u00a7 332.14 or 332.15, such as to your attorneys or accountants. , (c) Information you disclose under an exception. If you disclose nonpublic personal information to a nonaffiliated third party under an exception in \u00a7 332.14 or 332.15 of this part, the third party may disclose and use that information only as follows: , (1) The third party may disclose the information to your affiliates; , (2) The third party may disclose the information to its affiliates, but its affiliates may, in turn, disclose and use the information only to the extent that the third party may disclose and use the information; and , (3) The third party may disclose and use the information pursuant to an exception in \u00a7 332.14 or 332.15 in the ordinary course of business to carry out the activity covered by the exception under which it received the information. , (d) Information you disclose outside of an exception. If you disclose nonpublic personal information to a nonaffiliated third party other than under an exception in \u00a7 332.14 or 332.15 of this part, the third party may disclose the information only: , (1) To your affiliates; , (2) To its affiliates, but its affiliates, in turn, may disclose the information only to the extent the third party can disclose the information; and, (3) To any other person, if the disclosure would be lawful if you made it directly to that person. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["332"],"part_title":["PART 332 - PRIVACY OF CONSUMER FINANCIAL INFORMATION"],"section":["332.11"],"section_title":["\u00a7 332.11 Limits on redisclosure and reuse of information."]},"_input_hash":1920923071,"_task_hash":-897276303,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815972,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a)(1) Information you receive under an exception. If you receive nonpublic personal information from a nonaffiliated financial institution under an exception in \u00a7 332.14 or 332.15 of this part, your disclosure and use of that information is limited as follows: , (i) You may disclose the information to the affiliates of the financial institution from which you received the information; , (ii) You may disclose the information to your affiliates, but your affiliates may, in turn, disclose and use the information only to the extent that you may disclose and use the information; and , (iii) You may disclose and use the information pursuant to an exception in \u00a7 332.14 or 332.15 in the ordinary course of business to carry out the activity covered by the exception under which you received the information. , (2) Example. If you receive a customer list from a nonaffiliated financial institution in order to provide account processing services under the exception in \u00a7 332.14(a), you may disclose that information under any exception in \u00a7 332.14 or 332.15 in the ordinary course of business in order to provide those services. For example, you could disclose the information in response to a properly authorized subpoena or to your attorneys, accountants, and auditors. You could not disclose that information to a third party for marketing purposes or use that information for your own marketing purposes. , (b)(1) Information you receive outside of an exception. If you receive nonpublic personal information from a nonaffiliated financial institution other than under an exception in \u00a7 332.14 or 332.15 of this part, you may disclose the information only: , (i) To the affiliates of the financial institution from which you received the information; , (ii) To your affiliates, but your affiliates may, in turn, disclose the information only to the extent that you can disclose the information; and , (iii) To any other person, if the disclosure would be lawful if made directly to that person by the financial institution from which you received the information. , (2) Example. If you obtain a customer list from a nonaffiliated financial institution outside of the exceptions in \u00a7 332.14 and 332.15: , (i) You may use that list for your own purposes; and , (ii) You may disclose that list to another nonaffiliated third party only if the financial institution from which you purchased the list could have lawfully disclosed the list to that third party. That is, you may disclose the list in accordance with the privacy policy of the financial institution from which you received the list, as limited by the opt out direction of each consumer whose nonpublic personal information you intend to disclose, and you may disclose the list in accordance with an exception in \u00a7 332.14 or 332.15, such as to your attorneys or accountants. , (c) Information you disclose under an exception. If you disclose nonpublic personal information to a nonaffiliated third party under an exception in \u00a7 332.14 or 332.15 of this part, the third party may disclose and use that information only as follows: , (1) The third party may disclose the information to your affiliates; , (2) The third party may disclose the information to its affiliates, but its affiliates may, in turn, disclose and use the information only to the extent that the third party may disclose and use the information; and , (3) The third party may disclose and use the information pursuant to an exception in \u00a7 332.14 or 332.15 in the ordinary course of business to carry out the activity covered by the exception under which it received the information. , (d) Information you disclose outside of an exception. If you disclose nonpublic personal information to a nonaffiliated third party other than under an exception in \u00a7 332.14 or 332.15 of this part, the third party may disclose the information only: , (1) To your affiliates; , (2) To its affiliates, but its affiliates, in turn, may disclose the information only to the extent the third party can disclose the information; and, (3) To any other person, if the disclosure would be lawful if you made it directly to that person. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["332"],"part_title":["PART 332 - PRIVACY OF CONSUMER FINANCIAL INFORMATION"],"section":["332.11"],"section_title":["\u00a7 332.11 Limits on redisclosure and reuse of information."]},"_input_hash":1920923071,"_task_hash":-674776212,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830867,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"At the time of the request for access or correction or at any other time, an individual may request an accounting of disclosures made of the individual's record outside the NCUA. Request for accounting shall be directed to the system manager. Any available accounting, whether kept in accordance with the requirements of the Privacy Act or under procedures established prior to September 27, 1975, shall be made available to the individual, except that an accounting need not be made available if it relates to: , (a) A disclosure made pursuant to the Freedom of Information Act (5 U.S.C. 552); , (b) A disclosure made within the NCUA; , (c) A disclosure made to a law enforcement agency pursuant to 5 U.S.C. 552a(b)(7); , (d) A disclosure which has been exempted from the provisions of 5 U.S.C. 552a(c)(3) pursuant to 5 U.S.C. 552a (j) or (k). ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["792"],"part_title":["PART 792 - REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION"],"section":["792.62"],"section_title":["\u00a7 792.62 Requests for accounting for disclosures."]},"_input_hash":-208142079,"_task_hash":-1406908312,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844360,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"At the time of the request for access or correction or at any other time, an individual may request an accounting of disclosures made of the individual's record outside the NCUA. Request for accounting shall be directed to the system manager. Any available accounting, whether kept in accordance with the requirements of the Privacy Act or under procedures established prior to September 27, 1975, shall be made available to the individual, except that an accounting need not be made available if it relates to: , (a) A disclosure made pursuant to the Freedom of Information Act (5 U.S.C. 552); , (b) A disclosure made within the NCUA; , (c) A disclosure made to a law enforcement agency pursuant to 5 U.S.C. 552a(b)(7); , (d) A disclosure which has been exempted from the provisions of 5 U.S.C. 552a(c)(3) pursuant to 5 U.S.C. 552a (j) or (k). ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["792"],"part_title":["PART 792 - REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION"],"section":["792.62"],"section_title":["\u00a7 792.62 Requests for accounting for disclosures."]},"_input_hash":-208142079,"_task_hash":-1406908312,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711815991,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"At the time of the request for access or correction or at any other time, an individual may request an accounting of disclosures made of the individual's record outside the NCUA. Request for accounting shall be directed to the system manager. Any available accounting, whether kept in accordance with the requirements of the Privacy Act or under procedures established prior to September 27, 1975, shall be made available to the individual, except that an accounting need not be made available if it relates to: , (a) A disclosure made pursuant to the Freedom of Information Act (5 U.S.C. 552); , (b) A disclosure made within the NCUA; , (c) A disclosure made to a law enforcement agency pursuant to 5 U.S.C. 552a(b)(7); , (d) A disclosure which has been exempted from the provisions of 5 U.S.C. 552a(c)(3) pursuant to 5 U.S.C. 552a (j) or (k). ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["792"],"part_title":["PART 792 - REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION"],"section":["792.62"],"section_title":["\u00a7 792.62 Requests for accounting for disclosures."]},"_input_hash":-208142079,"_task_hash":-44113213,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830868,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false},{"text":"At the time of the request for access or correction or at any other time, an individual may request an accounting of disclosures made of the individual's record outside the NCUA. Request for accounting shall be directed to the system manager. Any available accounting, whether kept in accordance with the requirements of the Privacy Act or under procedures established prior to September 27, 1975, shall be made available to the individual, except that an accounting need not be made available if it relates to: , (a) A disclosure made pursuant to the Freedom of Information Act (5 U.S.C. 552); , (b) A disclosure made within the NCUA; , (c) A disclosure made to a law enforcement agency pursuant to 5 U.S.C. 552a(b)(7); , (d) A disclosure which has been exempted from the provisions of 5 U.S.C. 552a(c)(3) pursuant to 5 U.S.C. 552a (j) or (k). ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["792"],"part_title":["PART 792 - REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION"],"section":["792.62"],"section_title":["\u00a7 792.62 Requests for accounting for disclosures."]},"_input_hash":-208142079,"_task_hash":-733858551,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711840956,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Section 2 of the Act of June 29, 1949 (Pub. L. 142 - 81st Congress), amended the Bretton Woods Agreements Act by adding a new section numbered 15 providing, in part, that - , Any securities issued by International Bank for Reconstruction and Development (including any guaranty by the bank, whether or not limited in scope), and any securities guaranteed by the bank as to both principal and interest, shall be deemed to be exempted securities within the meaning of * * * paragraph (a)(12) of section 3 of the Securities Exchange Act of June 6, 1934, as amended (15 U.S.C. 78c). * * *., (b) In response to inquiries with respect to the applicability of the margin requirements of this part to securities issued or guaranteed by the International Bank for Reconstruction and Development, the Board has replied that, as a result of this enactment, securities issued by the Bank are now classified as exempted securities under \u00a7 220.2(e). Such securities are now in the same category under this part as are United States Government, State and municipal bonds. Accordingly, the specific percentage limitations prescribed by this part with respect to maximum loan value and margin requirements are no longer applicable thereto. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["220"],"part_title":["PART 220 - CREDIT BY BROKERS AND DEALERS (REGULATION T)"],"section":["220.108"],"section_title":["\u00a7 220.108 International Bank Securities."]},"_input_hash":-804639588,"_task_hash":-1508678319,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844361,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) Section 2 of the Act of June 29, 1949 (Pub. L. 142 - 81st Congress), amended the Bretton Woods Agreements Act by adding a new section numbered 15 providing, in part, that - , Any securities issued by International Bank for Reconstruction and Development (including any guaranty by the bank, whether or not limited in scope), and any securities guaranteed by the bank as to both principal and interest, shall be deemed to be exempted securities within the meaning of * * * paragraph (a)(12) of section 3 of the Securities Exchange Act of June 6, 1934, as amended (15 U.S.C. 78c). * * *., (b) In response to inquiries with respect to the applicability of the margin requirements of this part to securities issued or guaranteed by the International Bank for Reconstruction and Development, the Board has replied that, as a result of this enactment, securities issued by the Bank are now classified as exempted securities under \u00a7 220.2(e). Such securities are now in the same category under this part as are United States Government, State and municipal bonds. Accordingly, the specific percentage limitations prescribed by this part with respect to maximum loan value and margin requirements are no longer applicable thereto. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["220"],"part_title":["PART 220 - CREDIT BY BROKERS AND DEALERS (REGULATION T)"],"section":["220.108"],"section_title":["\u00a7 220.108 International Bank Securities."]},"_input_hash":-804639588,"_task_hash":-1508678319,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816002,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) Section 2 of the Act of June 29, 1949 (Pub. L. 142 - 81st Congress), amended the Bretton Woods Agreements Act by adding a new section numbered 15 providing, in part, that - , Any securities issued by International Bank for Reconstruction and Development (including any guaranty by the bank, whether or not limited in scope), and any securities guaranteed by the bank as to both principal and interest, shall be deemed to be exempted securities within the meaning of * * * paragraph (a)(12) of section 3 of the Securities Exchange Act of June 6, 1934, as amended (15 U.S.C. 78c). * * *., (b) In response to inquiries with respect to the applicability of the margin requirements of this part to securities issued or guaranteed by the International Bank for Reconstruction and Development, the Board has replied that, as a result of this enactment, securities issued by the Bank are now classified as exempted securities under \u00a7 220.2(e). Such securities are now in the same category under this part as are United States Government, State and municipal bonds. Accordingly, the specific percentage limitations prescribed by this part with respect to maximum loan value and margin requirements are no longer applicable thereto. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["220"],"part_title":["PART 220 - CREDIT BY BROKERS AND DEALERS (REGULATION T)"],"section":["220.108"],"section_title":["\u00a7 220.108 International Bank Securities."]},"_input_hash":-804639588,"_task_hash":188515615,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830870,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false},{"text":"(a) Section 2 of the Act of June 29, 1949 (Pub. L. 142 - 81st Congress), amended the Bretton Woods Agreements Act by adding a new section numbered 15 providing, in part, that - , Any securities issued by International Bank for Reconstruction and Development (including any guaranty by the bank, whether or not limited in scope), and any securities guaranteed by the bank as to both principal and interest, shall be deemed to be exempted securities within the meaning of * * * paragraph (a)(12) of section 3 of the Securities Exchange Act of June 6, 1934, as amended (15 U.S.C. 78c). * * *., (b) In response to inquiries with respect to the applicability of the margin requirements of this part to securities issued or guaranteed by the International Bank for Reconstruction and Development, the Board has replied that, as a result of this enactment, securities issued by the Bank are now classified as exempted securities under \u00a7 220.2(e). Such securities are now in the same category under this part as are United States Government, State and municipal bonds. Accordingly, the specific percentage limitations prescribed by this part with respect to maximum loan value and margin requirements are no longer applicable thereto. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["220"],"part_title":["PART 220 - CREDIT BY BROKERS AND DEALERS (REGULATION T)"],"section":["220.108"],"section_title":["\u00a7 220.108 International Bank Securities."]},"_input_hash":-804639588,"_task_hash":-107320192,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711840978,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"We may waive the prohibitions for entities other than individuals for good cause shown at our discretion when our need to contract for your services outweighs all relevant factors. The statute does not allow us to waive the prohibitions for individuals. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["366"],"part_title":["PART 366 - MINIMUM STANDARDS OF INTEGRITY AND FITNESS FOR AN FDIC CONTRACTOR"],"section":["366.7"],"section_title":["\u00a7 366.7 Will the FDIC waive the prohibitions under \u00a7 366.3?"]},"_input_hash":11431504,"_task_hash":662754002,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844378,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"We may waive the prohibitions for entities other than individuals for good cause shown at our discretion when our need to contract for your services outweighs all relevant factors. The statute does not allow us to waive the prohibitions for individuals. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["366"],"part_title":["PART 366 - MINIMUM STANDARDS OF INTEGRITY AND FITNESS FOR AN FDIC CONTRACTOR"],"section":["366.7"],"section_title":["\u00a7 366.7 Will the FDIC waive the prohibitions under \u00a7 366.3?"]},"_input_hash":11431504,"_task_hash":662754002,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816021,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"We may waive the prohibitions for entities other than individuals for good cause shown at our discretion when our need to contract for your services outweighs all relevant factors. The statute does not allow us to waive the prohibitions for individuals. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["366"],"part_title":["PART 366 - MINIMUM STANDARDS OF INTEGRITY AND FITNESS FOR AN FDIC CONTRACTOR"],"section":["366.7"],"section_title":["\u00a7 366.7 Will the FDIC waive the prohibitions under \u00a7 366.3?"]},"_input_hash":11431504,"_task_hash":-162912342,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830874,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Calculating the numerator and denominator for single-family housing goals. Performance under each of the single-family housing goals shall be measured using a fraction that is converted into a percentage. Neither the numerator nor the denominator shall include Enterprise transactions or activities that are not mortgage purchases as defined by FHFA or that are specifically excluded as ineligible under \u00a7 1282.16(b)., (1) The numerator. The numerator of each fraction is the number of mortgage purchases of an Enterprise in a particular year that finance owner-occupied single-family properties that count toward achievement of a particular single-family housing goal., (2) The denominator. The denominator of each fraction is the total number of mortgage purchases of an Enterprise in a particular year that finance owner-occupied single-family properties. A separate denominator shall be calculated for purchase money mortgages and for refinancing mortgages., (b) Counting owner-occupied units. (1) Mortgage purchases financing owner-occupied single-family properties shall be evaluated based on the income of the mortgagors and the area median income at the time the mortgage was originated. To determine whether mortgages may be counted under a particular family income level, i.e., low- or very low-income, the income of the mortgagors is compared to the median income for the area at the time the mortgage was originated, using the appropriate percentage factor provided under \u00a7 1282.17., (2) Mortgage purchases financing owner-occupied single-family properties for which the income of the mortgagors is not available shall be included in the denominator for the single-family housing goals and subgoal, but such mortgages shall not be counted in the numerator of any single-family housing goal or subgoal., (c) Counting dwelling units for multifamily housing goal and subgoals. Performance under the multifamily housing goal and subgoals shall be measured by counting the number of dwelling units that count toward achievement of a particular housing goal or subgoal in all multifamily properties financed by mortgages purchased by an Enterprise in a particular year. Only dwelling units that are financed by mortgage purchases, as defined by FHFA, and that are not specifically excluded as ineligible under \u00a7 1282.16(b), may be counted for purposes of the multifamily housing goal and subgoals., (d) Counting rental units - (1) Use of rent. For purposes of counting rental units toward achievement of the multifamily housing goal and subgoals, mortgage purchases financing such units shall be evaluated based on rent and whether the rent is affordable to the income group targeted by the housing goal and subgoals. A rent is affordable if the rent does not exceed the maximum levels as provided in \u00a7 1282.19., (2) Affordability of rents based on housing program requirements. Where a multifamily property is subject to an affordability restriction under a housing program that establishes the maximum permitted income level for a tenant or a prospective tenant or the maximum permitted rent, the affordability of units in the property may be determined based on the maximum permitted income level or maximum permitted rent established under such housing program for those units. If using income, the maximum income level must be no greater than the maximum income level for each goal, adjusted for family or unit size as provided in \u00a7 1282.17 or \u00a7 1282.18, as appropriate. If using rent, the maximum rent level must be no greater than the maximum rent level for each goal, adjusted for unit size as provided in \u00a7 1282.19., (3) Unoccupied units. Anticipated rent for unoccupied units may be the market rent for similar units in the neighborhood as determined by the lender or appraiser for underwriting purposes. A unit in a multifamily property that is unoccupied because it is being used as a model unit or rental office may be counted for purposes of the multifamily housing goal and subgoals only if an Enterprise determines that the number of such units is reasonable and minimal considering the size of the multifamily property., (4) Timeliness of information. In evaluating affordability under the multifamily housing goal and subgoals, each Enterprise shall use tenant and rental information as of the time of mortgage acquisition., (e) Missing data or information for multifamily housing goal and subgoals. (1) Rental units for which bedroom data are missing shall be considered efficiencies for purposes of calculating unit affordability., (2) When an Enterprise lacks sufficient information to determine whether a rental unit in a property securing a multifamily mortgage purchased by an Enterprise counts toward achievement of the multifamily housing goal or subgoals because rental data is not available, an Enterprise's performance with respect to such unit may be evaluated using estimated affordability information by multiplying the number of rental units with missing affordability information in properties securing multifamily mortgages purchased by the Enterprise in each census tract by the percentage of all rental dwelling units in the respective tracts that would count toward achievement of each goal and subgoal, as determined by FHFA., (3) The estimation methodology in paragraph (e)(2) of this section may be used up to a nationwide maximum of 5 percent of the total number of rental units in properties securing multifamily mortgages purchased by the Enterprise in the current year. Multifamily rental units in excess of this maximum, and any units for which estimation information is not available, shall not be counted for purposes of the multifamily housing goal and subgoals., (f) Credit toward multiple goals. A mortgage purchase (or dwelling unit financed by such purchase) by an Enterprise in a particular year shall count toward the achievement of each housing goal for which such purchase (or dwelling unit) qualifies in that year., (g) Application of median income. For purposes of determining an area's median income under \u00a7\u00a7 1282.17 through 1282.19 and the definitions in \u00a7 1282.1, the area is:, (1) The metropolitan area, if the property which is the subject of the mortgage is in a metropolitan area; and, (2) In all other areas, the county in which the property is located, except that where the State non-metropolitan median income is higher than the county's median income, the area is the State non-metropolitan area., (h) Sampling not permitted. Performance under the housing goals for each year shall be based on a complete tabulation of mortgage purchases (or dwelling units) for that year; a sampling of such purchases (or dwelling units) is not acceptable.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["E"],"subchapter_title":["SUBCHAPTER E - HOUSING GOALS AND MISSION"],"part":["1282"],"part_title":["PART 1282 - ENTERPRISE HOUSING GOALS AND MISSION"],"section":["1282.15"],"section_title":["\u00a7 1282.15 General counting requirements."]},"_input_hash":-498981884,"_task_hash":-1097438893,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844422,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) Calculating the numerator and denominator for single-family housing goals. Performance under each of the single-family housing goals shall be measured using a fraction that is converted into a percentage. Neither the numerator nor the denominator shall include Enterprise transactions or activities that are not mortgage purchases as defined by FHFA or that are specifically excluded as ineligible under \u00a7 1282.16(b)., (1) The numerator. The numerator of each fraction is the number of mortgage purchases of an Enterprise in a particular year that finance owner-occupied single-family properties that count toward achievement of a particular single-family housing goal., (2) The denominator. The denominator of each fraction is the total number of mortgage purchases of an Enterprise in a particular year that finance owner-occupied single-family properties. A separate denominator shall be calculated for purchase money mortgages and for refinancing mortgages., (b) Counting owner-occupied units. (1) Mortgage purchases financing owner-occupied single-family properties shall be evaluated based on the income of the mortgagors and the area median income at the time the mortgage was originated. To determine whether mortgages may be counted under a particular family income level, i.e., low- or very low-income, the income of the mortgagors is compared to the median income for the area at the time the mortgage was originated, using the appropriate percentage factor provided under \u00a7 1282.17., (2) Mortgage purchases financing owner-occupied single-family properties for which the income of the mortgagors is not available shall be included in the denominator for the single-family housing goals and subgoal, but such mortgages shall not be counted in the numerator of any single-family housing goal or subgoal., (c) Counting dwelling units for multifamily housing goal and subgoals. Performance under the multifamily housing goal and subgoals shall be measured by counting the number of dwelling units that count toward achievement of a particular housing goal or subgoal in all multifamily properties financed by mortgages purchased by an Enterprise in a particular year. Only dwelling units that are financed by mortgage purchases, as defined by FHFA, and that are not specifically excluded as ineligible under \u00a7 1282.16(b), may be counted for purposes of the multifamily housing goal and subgoals., (d) Counting rental units - (1) Use of rent. For purposes of counting rental units toward achievement of the multifamily housing goal and subgoals, mortgage purchases financing such units shall be evaluated based on rent and whether the rent is affordable to the income group targeted by the housing goal and subgoals. A rent is affordable if the rent does not exceed the maximum levels as provided in \u00a7 1282.19., (2) Affordability of rents based on housing program requirements. Where a multifamily property is subject to an affordability restriction under a housing program that establishes the maximum permitted income level for a tenant or a prospective tenant or the maximum permitted rent, the affordability of units in the property may be determined based on the maximum permitted income level or maximum permitted rent established under such housing program for those units. If using income, the maximum income level must be no greater than the maximum income level for each goal, adjusted for family or unit size as provided in \u00a7 1282.17 or \u00a7 1282.18, as appropriate. If using rent, the maximum rent level must be no greater than the maximum rent level for each goal, adjusted for unit size as provided in \u00a7 1282.19., (3) Unoccupied units. Anticipated rent for unoccupied units may be the market rent for similar units in the neighborhood as determined by the lender or appraiser for underwriting purposes. A unit in a multifamily property that is unoccupied because it is being used as a model unit or rental office may be counted for purposes of the multifamily housing goal and subgoals only if an Enterprise determines that the number of such units is reasonable and minimal considering the size of the multifamily property., (4) Timeliness of information. In evaluating affordability under the multifamily housing goal and subgoals, each Enterprise shall use tenant and rental information as of the time of mortgage acquisition., (e) Missing data or information for multifamily housing goal and subgoals. (1) Rental units for which bedroom data are missing shall be considered efficiencies for purposes of calculating unit affordability., (2) When an Enterprise lacks sufficient information to determine whether a rental unit in a property securing a multifamily mortgage purchased by an Enterprise counts toward achievement of the multifamily housing goal or subgoals because rental data is not available, an Enterprise's performance with respect to such unit may be evaluated using estimated affordability information by multiplying the number of rental units with missing affordability information in properties securing multifamily mortgages purchased by the Enterprise in each census tract by the percentage of all rental dwelling units in the respective tracts that would count toward achievement of each goal and subgoal, as determined by FHFA., (3) The estimation methodology in paragraph (e)(2) of this section may be used up to a nationwide maximum of 5 percent of the total number of rental units in properties securing multifamily mortgages purchased by the Enterprise in the current year. Multifamily rental units in excess of this maximum, and any units for which estimation information is not available, shall not be counted for purposes of the multifamily housing goal and subgoals., (f) Credit toward multiple goals. A mortgage purchase (or dwelling unit financed by such purchase) by an Enterprise in a particular year shall count toward the achievement of each housing goal for which such purchase (or dwelling unit) qualifies in that year., (g) Application of median income. For purposes of determining an area's median income under \u00a7\u00a7 1282.17 through 1282.19 and the definitions in \u00a7 1282.1, the area is:, (1) The metropolitan area, if the property which is the subject of the mortgage is in a metropolitan area; and, (2) In all other areas, the county in which the property is located, except that where the State non-metropolitan median income is higher than the county's median income, the area is the State non-metropolitan area., (h) Sampling not permitted. Performance under the housing goals for each year shall be based on a complete tabulation of mortgage purchases (or dwelling units) for that year; a sampling of such purchases (or dwelling units) is not acceptable.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["E"],"subchapter_title":["SUBCHAPTER E - HOUSING GOALS AND MISSION"],"part":["1282"],"part_title":["PART 1282 - ENTERPRISE HOUSING GOALS AND MISSION"],"section":["1282.15"],"section_title":["\u00a7 1282.15 General counting requirements."]},"_input_hash":-498981884,"_task_hash":-1097438893,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816036,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) Calculating the numerator and denominator for single-family housing goals. Performance under each of the single-family housing goals shall be measured using a fraction that is converted into a percentage. Neither the numerator nor the denominator shall include Enterprise transactions or activities that are not mortgage purchases as defined by FHFA or that are specifically excluded as ineligible under \u00a7 1282.16(b)., (1) The numerator. The numerator of each fraction is the number of mortgage purchases of an Enterprise in a particular year that finance owner-occupied single-family properties that count toward achievement of a particular single-family housing goal., (2) The denominator. The denominator of each fraction is the total number of mortgage purchases of an Enterprise in a particular year that finance owner-occupied single-family properties. A separate denominator shall be calculated for purchase money mortgages and for refinancing mortgages., (b) Counting owner-occupied units. (1) Mortgage purchases financing owner-occupied single-family properties shall be evaluated based on the income of the mortgagors and the area median income at the time the mortgage was originated. To determine whether mortgages may be counted under a particular family income level, i.e., low- or very low-income, the income of the mortgagors is compared to the median income for the area at the time the mortgage was originated, using the appropriate percentage factor provided under \u00a7 1282.17., (2) Mortgage purchases financing owner-occupied single-family properties for which the income of the mortgagors is not available shall be included in the denominator for the single-family housing goals and subgoal, but such mortgages shall not be counted in the numerator of any single-family housing goal or subgoal., (c) Counting dwelling units for multifamily housing goal and subgoals. Performance under the multifamily housing goal and subgoals shall be measured by counting the number of dwelling units that count toward achievement of a particular housing goal or subgoal in all multifamily properties financed by mortgages purchased by an Enterprise in a particular year. Only dwelling units that are financed by mortgage purchases, as defined by FHFA, and that are not specifically excluded as ineligible under \u00a7 1282.16(b), may be counted for purposes of the multifamily housing goal and subgoals., (d) Counting rental units - (1) Use of rent. For purposes of counting rental units toward achievement of the multifamily housing goal and subgoals, mortgage purchases financing such units shall be evaluated based on rent and whether the rent is affordable to the income group targeted by the housing goal and subgoals. A rent is affordable if the rent does not exceed the maximum levels as provided in \u00a7 1282.19., (2) Affordability of rents based on housing program requirements. Where a multifamily property is subject to an affordability restriction under a housing program that establishes the maximum permitted income level for a tenant or a prospective tenant or the maximum permitted rent, the affordability of units in the property may be determined based on the maximum permitted income level or maximum permitted rent established under such housing program for those units. If using income, the maximum income level must be no greater than the maximum income level for each goal, adjusted for family or unit size as provided in \u00a7 1282.17 or \u00a7 1282.18, as appropriate. If using rent, the maximum rent level must be no greater than the maximum rent level for each goal, adjusted for unit size as provided in \u00a7 1282.19., (3) Unoccupied units. Anticipated rent for unoccupied units may be the market rent for similar units in the neighborhood as determined by the lender or appraiser for underwriting purposes. A unit in a multifamily property that is unoccupied because it is being used as a model unit or rental office may be counted for purposes of the multifamily housing goal and subgoals only if an Enterprise determines that the number of such units is reasonable and minimal considering the size of the multifamily property., (4) Timeliness of information. In evaluating affordability under the multifamily housing goal and subgoals, each Enterprise shall use tenant and rental information as of the time of mortgage acquisition., (e) Missing data or information for multifamily housing goal and subgoals. (1) Rental units for which bedroom data are missing shall be considered efficiencies for purposes of calculating unit affordability., (2) When an Enterprise lacks sufficient information to determine whether a rental unit in a property securing a multifamily mortgage purchased by an Enterprise counts toward achievement of the multifamily housing goal or subgoals because rental data is not available, an Enterprise's performance with respect to such unit may be evaluated using estimated affordability information by multiplying the number of rental units with missing affordability information in properties securing multifamily mortgages purchased by the Enterprise in each census tract by the percentage of all rental dwelling units in the respective tracts that would count toward achievement of each goal and subgoal, as determined by FHFA., (3) The estimation methodology in paragraph (e)(2) of this section may be used up to a nationwide maximum of 5 percent of the total number of rental units in properties securing multifamily mortgages purchased by the Enterprise in the current year. Multifamily rental units in excess of this maximum, and any units for which estimation information is not available, shall not be counted for purposes of the multifamily housing goal and subgoals., (f) Credit toward multiple goals. A mortgage purchase (or dwelling unit financed by such purchase) by an Enterprise in a particular year shall count toward the achievement of each housing goal for which such purchase (or dwelling unit) qualifies in that year., (g) Application of median income. For purposes of determining an area's median income under \u00a7\u00a7 1282.17 through 1282.19 and the definitions in \u00a7 1282.1, the area is:, (1) The metropolitan area, if the property which is the subject of the mortgage is in a metropolitan area; and, (2) In all other areas, the county in which the property is located, except that where the State non-metropolitan median income is higher than the county's median income, the area is the State non-metropolitan area., (h) Sampling not permitted. Performance under the housing goals for each year shall be based on a complete tabulation of mortgage purchases (or dwelling units) for that year; a sampling of such purchases (or dwelling units) is not acceptable.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["E"],"subchapter_title":["SUBCHAPTER E - HOUSING GOALS AND MISSION"],"part":["1282"],"part_title":["PART 1282 - ENTERPRISE HOUSING GOALS AND MISSION"],"section":["1282.15"],"section_title":["\u00a7 1282.15 General counting requirements."]},"_input_hash":-498981884,"_task_hash":-1218581186,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830877,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"The FDIC may sue any employer for any amount that the employer fails to withhold from wages owed and payable to its employee in accordance with this subpart. However, a suit will not be filed before the termination of the collection action involving a particular debtor, unless earlier filing is necessary to avoid expiration of any applicable statute of limitations. For purposes of this subpart, \u201ctermination of the collection action\u201d occurs when the agency has terminated collection action in accordance with the FCCS (31 CFR 903.1 through 903.5) or other applicable standards. In any event, termination of the collection action will have been deemed to occur if the FDIC has not received any payments to satisfy the debt from the particular debtor whose wages were subject to garnishment, in whole or in part, for a period of one (1) year. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["313"],"part_title":["PART 313 - PROCEDURES FOR COLLECTION OF CORPORATE DEBT, CRIMINAL RESTITUTION DEBT, AND CIVIL MONEY PENALTY DEBT"],"section":["313.101"],"section_title":["\u00a7 313.101 Right of action."]},"_input_hash":577040816,"_task_hash":1450085652,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844423,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\""],"versions":[{"text":"The FDIC may sue any employer for any amount that the employer fails to withhold from wages owed and payable to its employee in accordance with this subpart. However, a suit will not be filed before the termination of the collection action involving a particular debtor, unless earlier filing is necessary to avoid expiration of any applicable statute of limitations. For purposes of this subpart, \u201ctermination of the collection action\u201d occurs when the agency has terminated collection action in accordance with the FCCS (31 CFR 903.1 through 903.5) or other applicable standards. In any event, termination of the collection action will have been deemed to occur if the FDIC has not received any payments to satisfy the debt from the particular debtor whose wages were subject to garnishment, in whole or in part, for a period of one (1) year. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["313"],"part_title":["PART 313 - PROCEDURES FOR COLLECTION OF CORPORATE DEBT, CRIMINAL RESTITUTION DEBT, AND CIVIL MONEY PENALTY DEBT"],"section":["313.101"],"section_title":["\u00a7 313.101 Right of action."]},"_input_hash":577040816,"_task_hash":1258612617,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816064,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"The FDIC may sue any employer for any amount that the employer fails to withhold from wages owed and payable to its employee in accordance with this subpart. However, a suit will not be filed before the termination of the collection action involving a particular debtor, unless earlier filing is necessary to avoid expiration of any applicable statute of limitations. For purposes of this subpart, \u201ctermination of the collection action\u201d occurs when the agency has terminated collection action in accordance with the FCCS (31 CFR 903.1 through 903.5) or other applicable standards. In any event, termination of the collection action will have been deemed to occur if the FDIC has not received any payments to satisfy the debt from the particular debtor whose wages were subject to garnishment, in whole or in part, for a period of one (1) year. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["313"],"part_title":["PART 313 - PROCEDURES FOR COLLECTION OF CORPORATE DEBT, CRIMINAL RESTITUTION DEBT, AND CIVIL MONEY PENALTY DEBT"],"section":["313.101"],"section_title":["\u00a7 313.101 Right of action."]},"_input_hash":577040816,"_task_hash":1450085652,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711824415,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\""],"default":true},{"text":"The FDIC may sue any employer for any amount that the employer fails to withhold from wages owed and payable to its employee in accordance with this subpart. However, a suit will not be filed before the termination of the collection action involving a particular debtor, unless earlier filing is necessary to avoid expiration of any applicable statute of limitations. For purposes of this subpart, \u201ctermination of the collection action\u201d occurs when the agency has terminated collection action in accordance with the FCCS (31 CFR 903.1 through 903.5) or other applicable standards. In any event, termination of the collection action will have been deemed to occur if the FDIC has not received any payments to satisfy the debt from the particular debtor whose wages were subject to garnishment, in whole or in part, for a period of one (1) year. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["313"],"part_title":["PART 313 - PROCEDURES FOR COLLECTION OF CORPORATE DEBT, CRIMINAL RESTITUTION DEBT, AND CIVIL MONEY PENALTY DEBT"],"section":["313.101"],"section_title":["\u00a7 313.101 Right of action."]},"_input_hash":577040816,"_task_hash":865549206,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711841100,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Responsibility of FHFA as the creditor agency. (1) FHFA shall be responsible for:, (i) Arranging for a hearing upon proper request by a Federal employee;, (ii) Preparing the Notice of Intent consistent with the requirements of \u00a7 1208.21;, (iii) Obtaining hearing officials from other agencies pursuant to \u00a7 1208.23(b); and, (iv) Ensuring that each certification of debt pursuant to \u00a7 1208.24(b) is sent to a paying agency., (2) Upon completion of the procedures set forth in \u00a7\u00a7 1208.24 through 1208.26, FHFA shall submit to the employee's paying agency, if applicable, a certified debt claim and an installment agreement or other instruction on the payment schedule., (i) If the employee is in the process of separating from the Federal Government, FHFA shall submit its debt claim to the employee's paying agency for collection by lump-sum deduction from the employee's final check. The paying agency shall certify the total amount of its collection and furnish a copy of the certification to FHFA and to the employee., (ii) If the employee is already separated and all payments due from his or her former paying agency have been paid, FHFA may, unless otherwise prohibited, request that money due and payable to the employee from the Federal Government, including payments from the Civil Service Retirement and Disability Fund (5 CFR 831.1801) or other similar funds, be administratively offset to collect the debt., (iii) When an employee transfers to another paying agency, FHFA shall not repeat the procedures described in \u00a7\u00a7 1208.24 through 1208.26. Upon receiving notice of the employee's transfer, FHFA shall review the debt to ensure that collection is resumed by the new paying agency., (b) Responsibility of FHFA as the paying agency - (1) Complete claim. When FHFA receives a certified claim from a creditor agency, the employee shall be given written notice of the certification, the date salary offset will begin, and the amount of the periodic deductions. Deductions shall be scheduled to begin at the next officially established pay interval or as otherwise provided for in the certification., (2) Incomplete claim. When FHFA receives an incomplete certification of debt from a creditor agency, FHFA shall return the claim with notice that procedures under 5 U.S.C. 5514 and 5 CFR 550.1104 must be followed, and that a properly certified claim must be received before FHFA will take action to collect the debt from the employee's current pay account., (3) Review. FHFA is not authorized to review the merits of the creditor agency's determination with respect to the amount or validity of the debt certified by the creditor agency., (4) Employees who transfer from one paying agency to another agency. If, after the creditor agency has submitted the debt claim to FHFA, the employee transfers to another agency before the debt is collected in full, FHFA must certify the total amount collected on the debt as required by 5 CFR 550.1109. One copy of the certification shall be furnished to the employee and one copy shall be sent to the creditor agency along with notice of the employee's transfer. If FHFA is aware that the employee is entitled to payments from the Civil Service Retirement and Disability Fund or other similar payments, it must provide written notification to the agency responsible for making such payments that the debtor owes a debt (including the amount) and that the requirements set forth herein and in 5 CFR part 550, subpart K, have been met. FHFA must submit a properly certified claim to the new payment agency before a collection can be made.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1208"],"part_title":["PART 1208 - DEBT COLLECTION"],"section":["1208.29"],"section_title":["\u00a7 1208.29 Coordinating salary offset with other agencies."]},"_input_hash":-384820738,"_task_hash":405111572,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844425,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Responsibility of FHFA as the creditor agency. (1) FHFA shall be responsible for:, (i) Arranging for a hearing upon proper request by a Federal employee;, (ii) Preparing the Notice of Intent consistent with the requirements of \u00a7 1208.21;, (iii) Obtaining hearing officials from other agencies pursuant to \u00a7 1208.23(b); and, (iv) Ensuring that each certification of debt pursuant to \u00a7 1208.24(b) is sent to a paying agency., (2) Upon completion of the procedures set forth in \u00a7\u00a7 1208.24 through 1208.26, FHFA shall submit to the employee's paying agency, if applicable, a certified debt claim and an installment agreement or other instruction on the payment schedule., (i) If the employee is in the process of separating from the Federal Government, FHFA shall submit its debt claim to the employee's paying agency for collection by lump-sum deduction from the employee's final check. The paying agency shall certify the total amount of its collection and furnish a copy of the certification to FHFA and to the employee., (ii) If the employee is already separated and all payments due from his or her former paying agency have been paid, FHFA may, unless otherwise prohibited, request that money due and payable to the employee from the Federal Government, including payments from the Civil Service Retirement and Disability Fund (5 CFR 831.1801) or other similar funds, be administratively offset to collect the debt., (iii) When an employee transfers to another paying agency, FHFA shall not repeat the procedures described in \u00a7\u00a7 1208.24 through 1208.26. Upon receiving notice of the employee's transfer, FHFA shall review the debt to ensure that collection is resumed by the new paying agency., (b) Responsibility of FHFA as the paying agency - (1) Complete claim. When FHFA receives a certified claim from a creditor agency, the employee shall be given written notice of the certification, the date salary offset will begin, and the amount of the periodic deductions. Deductions shall be scheduled to begin at the next officially established pay interval or as otherwise provided for in the certification., (2) Incomplete claim. When FHFA receives an incomplete certification of debt from a creditor agency, FHFA shall return the claim with notice that procedures under 5 U.S.C. 5514 and 5 CFR 550.1104 must be followed, and that a properly certified claim must be received before FHFA will take action to collect the debt from the employee's current pay account., (3) Review. FHFA is not authorized to review the merits of the creditor agency's determination with respect to the amount or validity of the debt certified by the creditor agency., (4) Employees who transfer from one paying agency to another agency. If, after the creditor agency has submitted the debt claim to FHFA, the employee transfers to another agency before the debt is collected in full, FHFA must certify the total amount collected on the debt as required by 5 CFR 550.1109. One copy of the certification shall be furnished to the employee and one copy shall be sent to the creditor agency along with notice of the employee's transfer. If FHFA is aware that the employee is entitled to payments from the Civil Service Retirement and Disability Fund or other similar payments, it must provide written notification to the agency responsible for making such payments that the debtor owes a debt (including the amount) and that the requirements set forth herein and in 5 CFR part 550, subpart K, have been met. FHFA must submit a properly certified claim to the new payment agency before a collection can be made.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1208"],"part_title":["PART 1208 - DEBT COLLECTION"],"section":["1208.29"],"section_title":["\u00a7 1208.29 Coordinating salary offset with other agencies."]},"_input_hash":-384820738,"_task_hash":405111572,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816087,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Responsibility of FHFA as the creditor agency. (1) FHFA shall be responsible for:, (i) Arranging for a hearing upon proper request by a Federal employee;, (ii) Preparing the Notice of Intent consistent with the requirements of \u00a7 1208.21;, (iii) Obtaining hearing officials from other agencies pursuant to \u00a7 1208.23(b); and, (iv) Ensuring that each certification of debt pursuant to \u00a7 1208.24(b) is sent to a paying agency., (2) Upon completion of the procedures set forth in \u00a7\u00a7 1208.24 through 1208.26, FHFA shall submit to the employee's paying agency, if applicable, a certified debt claim and an installment agreement or other instruction on the payment schedule., (i) If the employee is in the process of separating from the Federal Government, FHFA shall submit its debt claim to the employee's paying agency for collection by lump-sum deduction from the employee's final check. The paying agency shall certify the total amount of its collection and furnish a copy of the certification to FHFA and to the employee., (ii) If the employee is already separated and all payments due from his or her former paying agency have been paid, FHFA may, unless otherwise prohibited, request that money due and payable to the employee from the Federal Government, including payments from the Civil Service Retirement and Disability Fund (5 CFR 831.1801) or other similar funds, be administratively offset to collect the debt., (iii) When an employee transfers to another paying agency, FHFA shall not repeat the procedures described in \u00a7\u00a7 1208.24 through 1208.26. Upon receiving notice of the employee's transfer, FHFA shall review the debt to ensure that collection is resumed by the new paying agency., (b) Responsibility of FHFA as the paying agency - (1) Complete claim. When FHFA receives a certified claim from a creditor agency, the employee shall be given written notice of the certification, the date salary offset will begin, and the amount of the periodic deductions. Deductions shall be scheduled to begin at the next officially established pay interval or as otherwise provided for in the certification., (2) Incomplete claim. When FHFA receives an incomplete certification of debt from a creditor agency, FHFA shall return the claim with notice that procedures under 5 U.S.C. 5514 and 5 CFR 550.1104 must be followed, and that a properly certified claim must be received before FHFA will take action to collect the debt from the employee's current pay account., (3) Review. FHFA is not authorized to review the merits of the creditor agency's determination with respect to the amount or validity of the debt certified by the creditor agency., (4) Employees who transfer from one paying agency to another agency. If, after the creditor agency has submitted the debt claim to FHFA, the employee transfers to another agency before the debt is collected in full, FHFA must certify the total amount collected on the debt as required by 5 CFR 550.1109. One copy of the certification shall be furnished to the employee and one copy shall be sent to the creditor agency along with notice of the employee's transfer. If FHFA is aware that the employee is entitled to payments from the Civil Service Retirement and Disability Fund or other similar payments, it must provide written notification to the agency responsible for making such payments that the debtor owes a debt (including the amount) and that the requirements set forth herein and in 5 CFR part 550, subpart K, have been met. FHFA must submit a properly certified claim to the new payment agency before a collection can be made.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1208"],"part_title":["PART 1208 - DEBT COLLECTION"],"section":["1208.29"],"section_title":["\u00a7 1208.29 Coordinating salary offset with other agencies."]},"_input_hash":-384820738,"_task_hash":1560134503,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711830887,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"Within a reasonable time in advance of an election, a Bank shall notify each member in its district of the commencement of the election process. Such notice shall include:, (a) Election announcement., (1) The number of member directorships designated for each voting state in the Bank district and the number of independent directorships for the Bank;, (2) The name of each incumbent Bank director, the name and location of the member at which each member director serves, and the name and location of the organization with which each independent director is affiliated, if any, and the expiration date of each Bank director's term of office;, (3) A brief statement describing the skills and experience the Bank believes are most likely to add strength to the board of directors, provided that the Bank previously has conducted the annual assessment permitted by \u00a7 1261.9 and the Bank has elected to provide the results of the assessment to the members;, (4) An attachment indicating the name, location, and FHFA ID number of every member in the member's voting state, and the number of votes each such member may cast for each directorship to be filled by such members, as determined in accordance with \u00a7 1261.6; and, (5) If a member directorship is to be filled by members in a State, a nominating certificate for those members., (b) Member directorship nominations. (1) Any member that is entitled to vote in the election may nominate an eligible individual to fill each available member directorship for its voting state by delivering to its Bank, prior to a deadline to be established by the Bank and set forth in the notice required in paragraph (a) of this section, a nominating certificate duly adopted by the member's governing body or by an individual authorized by the member's governing body to act on its behalf., (2) The nominating certificate shall include the name of the nominee and the name, location, and FHFA ID number of the member the nominee serves as an officer or director., (3) The Bank shall establish a deadline for delivery of nominating certificates, which shall be no earlier than 30 calendar days after the date on which the Bank delivers the notice required by paragraph (a) of this section, and the Bank shall not accept certificates received after that deadline. The Bank shall retain all accepted nominating certificates for at least two years after the date of the election., (c) Accepting member directorship nominations. Promptly after receipt of any nominating certificate, a Bank shall notify in writing any individual nominated for a member directorship. An individual may accept the nomination only by delivering to the Bank, prior to a deadline established by the Bank and set forth in its notice, an executed director eligibility certification form prescribed by FHFA. A Bank shall allow each nominee at least 30 calendar days after the date the Bank delivered the notice of nomination within which to deliver the executed form. A nominee may decline the nomination by so advising the Bank in writing, or by failing to deliver a properly executed director eligibility certification form prior to the deadline. Each Bank shall retain all information received under this paragraph for at least two years after the date of the election., (d) Independent directorship nominations. (1) Any individual who seeks to be an independent director of the board of directors of a Bank may deliver to the Bank, on or before the deadline set by the Bank for delivery of nominating certificates, an executed independent director application form prescribed by FHFA that demonstrates that the individual both is eligible and has either of the following qualifications:, (i) More than four years of experience representing consumer or community interests in banking services, credit needs, housing, or consumer financial protections; or, (ii) Knowledge of or experience in one or more of the areas set forth in paragraph (e) of this section., (2) Any other interested party may recommend to the Bank that it consider a particular individual as a nominee for an independent directorship, but the Bank shall not nominate any individual unless the individual has delivered to the Bank, on or before the date the Bank has set for delivery of nominating certificates, an executed independent director application form prescribed by FHFA. The application form prescribed by FHFA will provide a means by which an individual can indicate an intent to be considered for a public interest directorship. The board of directors of the Bank may consider any individual for any independent directorship nomination, provided it has determined that the individual is eligible and qualified, but the board shall nominate for a public interest directorship only an individual who indicates on the application form a desire to be considered for a public interest directorship. The board of directors of the Bank shall consult with the Bank's Advisory Council before nominating any individual for any independent directorship. Each Bank shall include in its bylaws the procedures it intends to use for the nomination and election of the independent directors, and shall retain all information received under this paragraph for at least two years after the date of the election., (3) Each Bank shall determine the number of public interest directorships to be included among its authorized independent directorships, provided that each Bank shall at all times have at least two such directorships, and shall announce that number to its members in the notice required by paragraph (a) of this section. In submitting nominations to its members, each Bank shall nominate at least as many individuals as there are independent directorships to be filled in that year's election., (e) Independent director qualifications. (1) Each independent director and each nominee for an independent directorship, other than a public interest directorship, shall have experience in, or knowledge of, one or more of the following areas: auditing and accounting, derivatives, financial management, organizational management, project development, risk management practices, and the law. Before nominating any individual for an independent directorship, other than a public interest directorship, the board of directors of a Bank shall determine that such knowledge or experience of the nominee is commensurate with that needed to oversee a financial institution with a size and complexity that is comparable to that of the Bank., (2) Each public interest independent director and each nominee for a public interest directorship shall have more than four years of experience representing consumer or community interests in banking services, credit needs, housing or consumer financial protection., (f) Eligibility verification. Using the information provided on member director eligibility forms prescribed by FHFA, each Bank shall verify that each nominee for each member directorship meets all the eligibility requirements for such directorship. Using the information provided on independent director application forms prescribed by FHFA, each Bank shall verify that each nominee for each public interest independent directorship and each other independent directorship meets all eligibility requirements and any knowledge or experience qualifications for such directorship, as set forth in the Bank Act and this subpart. Before announcing any independent director nominee, the Bank shall deliver to FHFA, for the Director's review, a copy of the independent director application forms executed by the individuals nominated for independent directorships. If within two weeks of such delivery FHFA provides comments to the Bank on any independent director nominee, the board of directors of the Bank shall consider the FHFA's comments in determining whether to proceed with those nominees or to reopen the nomination. ","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1261"],"part_title":["PART 1261 - FEDERAL HOME LOAN BANK DIRECTORS"],"section":["1261.7"],"section_title":["\u00a7 1261.7 Nominations for member and independent directorships."]},"_input_hash":490188349,"_task_hash":-664301154,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844427,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"tyler\""],"versions":[{"text":"Within a reasonable time in advance of an election, a Bank shall notify each member in its district of the commencement of the election process. Such notice shall include:, (a) Election announcement., (1) The number of member directorships designated for each voting state in the Bank district and the number of independent directorships for the Bank;, (2) The name of each incumbent Bank director, the name and location of the member at which each member director serves, and the name and location of the organization with which each independent director is affiliated, if any, and the expiration date of each Bank director's term of office;, (3) A brief statement describing the skills and experience the Bank believes are most likely to add strength to the board of directors, provided that the Bank previously has conducted the annual assessment permitted by \u00a7 1261.9 and the Bank has elected to provide the results of the assessment to the members;, (4) An attachment indicating the name, location, and FHFA ID number of every member in the member's voting state, and the number of votes each such member may cast for each directorship to be filled by such members, as determined in accordance with \u00a7 1261.6; and, (5) If a member directorship is to be filled by members in a State, a nominating certificate for those members., (b) Member directorship nominations. (1) Any member that is entitled to vote in the election may nominate an eligible individual to fill each available member directorship for its voting state by delivering to its Bank, prior to a deadline to be established by the Bank and set forth in the notice required in paragraph (a) of this section, a nominating certificate duly adopted by the member's governing body or by an individual authorized by the member's governing body to act on its behalf., (2) The nominating certificate shall include the name of the nominee and the name, location, and FHFA ID number of the member the nominee serves as an officer or director., (3) The Bank shall establish a deadline for delivery of nominating certificates, which shall be no earlier than 30 calendar days after the date on which the Bank delivers the notice required by paragraph (a) of this section, and the Bank shall not accept certificates received after that deadline. The Bank shall retain all accepted nominating certificates for at least two years after the date of the election., (c) Accepting member directorship nominations. Promptly after receipt of any nominating certificate, a Bank shall notify in writing any individual nominated for a member directorship. An individual may accept the nomination only by delivering to the Bank, prior to a deadline established by the Bank and set forth in its notice, an executed director eligibility certification form prescribed by FHFA. A Bank shall allow each nominee at least 30 calendar days after the date the Bank delivered the notice of nomination within which to deliver the executed form. A nominee may decline the nomination by so advising the Bank in writing, or by failing to deliver a properly executed director eligibility certification form prior to the deadline. Each Bank shall retain all information received under this paragraph for at least two years after the date of the election., (d) Independent directorship nominations. (1) Any individual who seeks to be an independent director of the board of directors of a Bank may deliver to the Bank, on or before the deadline set by the Bank for delivery of nominating certificates, an executed independent director application form prescribed by FHFA that demonstrates that the individual both is eligible and has either of the following qualifications:, (i) More than four years of experience representing consumer or community interests in banking services, credit needs, housing, or consumer financial protections; or, (ii) Knowledge of or experience in one or more of the areas set forth in paragraph (e) of this section., (2) Any other interested party may recommend to the Bank that it consider a particular individual as a nominee for an independent directorship, but the Bank shall not nominate any individual unless the individual has delivered to the Bank, on or before the date the Bank has set for delivery of nominating certificates, an executed independent director application form prescribed by FHFA. The application form prescribed by FHFA will provide a means by which an individual can indicate an intent to be considered for a public interest directorship. The board of directors of the Bank may consider any individual for any independent directorship nomination, provided it has determined that the individual is eligible and qualified, but the board shall nominate for a public interest directorship only an individual who indicates on the application form a desire to be considered for a public interest directorship. The board of directors of the Bank shall consult with the Bank's Advisory Council before nominating any individual for any independent directorship. Each Bank shall include in its bylaws the procedures it intends to use for the nomination and election of the independent directors, and shall retain all information received under this paragraph for at least two years after the date of the election., (3) Each Bank shall determine the number of public interest directorships to be included among its authorized independent directorships, provided that each Bank shall at all times have at least two such directorships, and shall announce that number to its members in the notice required by paragraph (a) of this section. In submitting nominations to its members, each Bank shall nominate at least as many individuals as there are independent directorships to be filled in that year's election., (e) Independent director qualifications. (1) Each independent director and each nominee for an independent directorship, other than a public interest directorship, shall have experience in, or knowledge of, one or more of the following areas: auditing and accounting, derivatives, financial management, organizational management, project development, risk management practices, and the law. Before nominating any individual for an independent directorship, other than a public interest directorship, the board of directors of a Bank shall determine that such knowledge or experience of the nominee is commensurate with that needed to oversee a financial institution with a size and complexity that is comparable to that of the Bank., (2) Each public interest independent director and each nominee for a public interest directorship shall have more than four years of experience representing consumer or community interests in banking services, credit needs, housing or consumer financial protection., (f) Eligibility verification. Using the information provided on member director eligibility forms prescribed by FHFA, each Bank shall verify that each nominee for each member directorship meets all the eligibility requirements for such directorship. Using the information provided on independent director application forms prescribed by FHFA, each Bank shall verify that each nominee for each public interest independent directorship and each other independent directorship meets all eligibility requirements and any knowledge or experience qualifications for such directorship, as set forth in the Bank Act and this subpart. Before announcing any independent director nominee, the Bank shall deliver to FHFA, for the Director's review, a copy of the independent director application forms executed by the individuals nominated for independent directorships. If within two weeks of such delivery FHFA provides comments to the Bank on any independent director nominee, the board of directors of the Bank shall consider the FHFA's comments in determining whether to proceed with those nominees or to reopen the nomination. ","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1261"],"part_title":["PART 1261 - FEDERAL HOME LOAN BANK DIRECTORS"],"section":["1261.7"],"section_title":["\u00a7 1261.7 Nominations for member and independent directorships."]},"_input_hash":490188349,"_task_hash":-1960039762,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816109,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"Within a reasonable time in advance of an election, a Bank shall notify each member in its district of the commencement of the election process. Such notice shall include:, (a) Election announcement., (1) The number of member directorships designated for each voting state in the Bank district and the number of independent directorships for the Bank;, (2) The name of each incumbent Bank director, the name and location of the member at which each member director serves, and the name and location of the organization with which each independent director is affiliated, if any, and the expiration date of each Bank director's term of office;, (3) A brief statement describing the skills and experience the Bank believes are most likely to add strength to the board of directors, provided that the Bank previously has conducted the annual assessment permitted by \u00a7 1261.9 and the Bank has elected to provide the results of the assessment to the members;, (4) An attachment indicating the name, location, and FHFA ID number of every member in the member's voting state, and the number of votes each such member may cast for each directorship to be filled by such members, as determined in accordance with \u00a7 1261.6; and, (5) If a member directorship is to be filled by members in a State, a nominating certificate for those members., (b) Member directorship nominations. (1) Any member that is entitled to vote in the election may nominate an eligible individual to fill each available member directorship for its voting state by delivering to its Bank, prior to a deadline to be established by the Bank and set forth in the notice required in paragraph (a) of this section, a nominating certificate duly adopted by the member's governing body or by an individual authorized by the member's governing body to act on its behalf., (2) The nominating certificate shall include the name of the nominee and the name, location, and FHFA ID number of the member the nominee serves as an officer or director., (3) The Bank shall establish a deadline for delivery of nominating certificates, which shall be no earlier than 30 calendar days after the date on which the Bank delivers the notice required by paragraph (a) of this section, and the Bank shall not accept certificates received after that deadline. The Bank shall retain all accepted nominating certificates for at least two years after the date of the election., (c) Accepting member directorship nominations. Promptly after receipt of any nominating certificate, a Bank shall notify in writing any individual nominated for a member directorship. An individual may accept the nomination only by delivering to the Bank, prior to a deadline established by the Bank and set forth in its notice, an executed director eligibility certification form prescribed by FHFA. A Bank shall allow each nominee at least 30 calendar days after the date the Bank delivered the notice of nomination within which to deliver the executed form. A nominee may decline the nomination by so advising the Bank in writing, or by failing to deliver a properly executed director eligibility certification form prior to the deadline. Each Bank shall retain all information received under this paragraph for at least two years after the date of the election., (d) Independent directorship nominations. (1) Any individual who seeks to be an independent director of the board of directors of a Bank may deliver to the Bank, on or before the deadline set by the Bank for delivery of nominating certificates, an executed independent director application form prescribed by FHFA that demonstrates that the individual both is eligible and has either of the following qualifications:, (i) More than four years of experience representing consumer or community interests in banking services, credit needs, housing, or consumer financial protections; or, (ii) Knowledge of or experience in one or more of the areas set forth in paragraph (e) of this section., (2) Any other interested party may recommend to the Bank that it consider a particular individual as a nominee for an independent directorship, but the Bank shall not nominate any individual unless the individual has delivered to the Bank, on or before the date the Bank has set for delivery of nominating certificates, an executed independent director application form prescribed by FHFA. The application form prescribed by FHFA will provide a means by which an individual can indicate an intent to be considered for a public interest directorship. The board of directors of the Bank may consider any individual for any independent directorship nomination, provided it has determined that the individual is eligible and qualified, but the board shall nominate for a public interest directorship only an individual who indicates on the application form a desire to be considered for a public interest directorship. The board of directors of the Bank shall consult with the Bank's Advisory Council before nominating any individual for any independent directorship. Each Bank shall include in its bylaws the procedures it intends to use for the nomination and election of the independent directors, and shall retain all information received under this paragraph for at least two years after the date of the election., (3) Each Bank shall determine the number of public interest directorships to be included among its authorized independent directorships, provided that each Bank shall at all times have at least two such directorships, and shall announce that number to its members in the notice required by paragraph (a) of this section. In submitting nominations to its members, each Bank shall nominate at least as many individuals as there are independent directorships to be filled in that year's election., (e) Independent director qualifications. (1) Each independent director and each nominee for an independent directorship, other than a public interest directorship, shall have experience in, or knowledge of, one or more of the following areas: auditing and accounting, derivatives, financial management, organizational management, project development, risk management practices, and the law. Before nominating any individual for an independent directorship, other than a public interest directorship, the board of directors of a Bank shall determine that such knowledge or experience of the nominee is commensurate with that needed to oversee a financial institution with a size and complexity that is comparable to that of the Bank., (2) Each public interest independent director and each nominee for a public interest directorship shall have more than four years of experience representing consumer or community interests in banking services, credit needs, housing or consumer financial protection., (f) Eligibility verification. Using the information provided on member director eligibility forms prescribed by FHFA, each Bank shall verify that each nominee for each member directorship meets all the eligibility requirements for such directorship. Using the information provided on independent director application forms prescribed by FHFA, each Bank shall verify that each nominee for each public interest independent directorship and each other independent directorship meets all eligibility requirements and any knowledge or experience qualifications for such directorship, as set forth in the Bank Act and this subpart. Before announcing any independent director nominee, the Bank shall deliver to FHFA, for the Director's review, a copy of the independent director application forms executed by the individuals nominated for independent directorships. If within two weeks of such delivery FHFA provides comments to the Bank on any independent director nominee, the board of directors of the Bank shall consider the FHFA's comments in determining whether to proceed with those nominees or to reopen the nomination. ","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1261"],"part_title":["PART 1261 - FEDERAL HOME LOAN BANK DIRECTORS"],"section":["1261.7"],"section_title":["\u00a7 1261.7 Nominations for member and independent directorships."]},"_input_hash":490188349,"_task_hash":-664301154,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711824488,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"(a) Increase for inadequate capitalization. The Director may, at his or her discretion, increase the amount of a semiannual payment allocated to a Regulated Entity that is not classified as adequately capitalized to pay additional estimated costs of regulation of that Regulated Entity., (b) Increase for enforcement activities. The Director may, at his or her discretion, adjust the amount of a semiannual payment allocated to a Regulated Entity to ensure that the Regulated Entity bears the estimated costs of enforcement activities under the Act related to that Regulated Entity., (c) Additional assessment for deficiencies. At any time, the Director may make and collect from any Regulated Entity an assessment, payable immediately or through increased semiannual payments, to cover the estimated amount of any deficiency for the semiannual period as a result of increased costs of regulation of a Regulated Entity due to its classification as other than adequately capitalized, or as a result of enforcement activities related to that Regulated Entity. Any amount remaining from such additional assessment and the semiannual payments at the end of any semiannual period during which such an additional assessment is made shall be deducted pro rata (based upon the amount of the additional assessments) from the assessment for the following semiannual period for that Regulated Entity.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1206"],"part_title":["PART 1206 - ASSESSMENTS"],"section":["1206.4"],"section_title":["\u00a7 1206.4 Increased costs of regulation."]},"_input_hash":-1673488194,"_task_hash":-1187567213,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844428,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Increase for inadequate capitalization. The Director may, at his or her discretion, increase the amount of a semiannual payment allocated to a Regulated Entity that is not classified as adequately capitalized to pay additional estimated costs of regulation of that Regulated Entity., (b) Increase for enforcement activities. The Director may, at his or her discretion, adjust the amount of a semiannual payment allocated to a Regulated Entity to ensure that the Regulated Entity bears the estimated costs of enforcement activities under the Act related to that Regulated Entity., (c) Additional assessment for deficiencies. At any time, the Director may make and collect from any Regulated Entity an assessment, payable immediately or through increased semiannual payments, to cover the estimated amount of any deficiency for the semiannual period as a result of increased costs of regulation of a Regulated Entity due to its classification as other than adequately capitalized, or as a result of enforcement activities related to that Regulated Entity. Any amount remaining from such additional assessment and the semiannual payments at the end of any semiannual period during which such an additional assessment is made shall be deducted pro rata (based upon the amount of the additional assessments) from the assessment for the following semiannual period for that Regulated Entity.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1206"],"part_title":["PART 1206 - ASSESSMENTS"],"section":["1206.4"],"section_title":["\u00a7 1206.4 Increased costs of regulation."]},"_input_hash":-1673488194,"_task_hash":-1187567213,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816173,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Increase for inadequate capitalization. The Director may, at his or her discretion, increase the amount of a semiannual payment allocated to a Regulated Entity that is not classified as adequately capitalized to pay additional estimated costs of regulation of that Regulated Entity., (b) Increase for enforcement activities. The Director may, at his or her discretion, adjust the amount of a semiannual payment allocated to a Regulated Entity to ensure that the Regulated Entity bears the estimated costs of enforcement activities under the Act related to that Regulated Entity., (c) Additional assessment for deficiencies. At any time, the Director may make and collect from any Regulated Entity an assessment, payable immediately or through increased semiannual payments, to cover the estimated amount of any deficiency for the semiannual period as a result of increased costs of regulation of a Regulated Entity due to its classification as other than adequately capitalized, or as a result of enforcement activities related to that Regulated Entity. Any amount remaining from such additional assessment and the semiannual payments at the end of any semiannual period during which such an additional assessment is made shall be deducted pro rata (based upon the amount of the additional assessments) from the assessment for the following semiannual period for that Regulated Entity.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1206"],"part_title":["PART 1206 - ASSESSMENTS"],"section":["1206.4"],"section_title":["\u00a7 1206.4 Increased costs of regulation."]},"_input_hash":-1673488194,"_task_hash":-582992232,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711831075,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Responsibilities of the board of directors. Your board of directors must adopt written policies for managing your non-program investment activities. Your board must also ensure that management complies with these policies and that appropriate internal controls are in place to prevent loss. At least annually, your board, or a designated committee of the board, must review the sufficiency of these investment policies. Any changes to the policies must be adopted by the board. You must report any changes to these policies to the OSMO within 10 business days of adoption., (b) Investment policies - general requirements. Your investment policies must address the purposes and objectives of investments, risk tolerance, delegations of authority, internal controls, due diligence, and reporting requirements. Moreover, your investment policies must fully address the extent of pre-purchase analysis that management must perform for various types, classes, and structure of investments. Furthermore, the policies must include reporting requirements and approvals needed for exceptions to the board's policies. Investment policies must be sufficiently detailed, consistent with, and appropriate for the amounts, types, and risk characteristics of your investments. You must document in the Corporation's records any analyses used in formulating your policies or amendments to the policies., (c) Investment policies - risk tolerance. Your investment policies must establish risk limits for the various types, classes, and sectors of eligible investments. These policies must include concentration limits to ensure prudent diversification of credit, market, and liquidity risks in the investment portfolio. Risk limits must be based on all relevant factors, including the Corporation's objectives, capital position, earnings, and quality and reliability of risk management systems. Your policies must identify the types and quantity of investments that you will hold to achieve your objectives and control credit, market, liquidity, and operational risks. Your policies must establish risk limits for the following types of risk:, (1) Credit risk. Your investment policies must establish:, (i) Credit quality standards, limits on counterparty risk, and risk diversification standards that limit concentrations in a single or related counterparty(ies), industry sectors, and asset classes or obligations with similar characteristics., (ii) Criteria for selecting brokers, dealers, and investment bankers (collectively, securities firms). You must buy and sell eligible investments with more than one securities firm. As part of your review of your investment policies required under paragraph (a) of this section, your board of directors, or a designated committee of the board, must review the criteria for selecting securities firms. Any changes to the criteria must be approved by the board., (iii) Collateral margin requirements on repurchase agreements. You must regularly mark the collateral to market and ensure appropriate controls are maintained over collateral held., (2) Market risk. Your investment policies must set market risk limits for specific types of investments and for the investment portfolio., (3) Liquidity risk. Your investment policies must describe the liquidity characteristics of eligible investments that you will hold to meet your liquidity needs and the Corporation's other objectives., (4) Operational risk. Investment policies must address operational risks, including delegations of authority and internal controls in accordance with paragraphs (d) and (e) of this section., (5) Concentration risk. Your investment policies must set risk diversification standards. Diversification parameters must be based on the carrying value of investments. You may not invest more than 10 percent of your Regulatory Capital in allowable investments issued by any single entity, issuer, or obligor. Only investments in obligations backed by U.S. Government agencies or GSEs may exceed the 10-percent limit., (d) Delegation of authority. All delegations of authority to specified personnel or committees must state the extent of management's authority and responsibilities for investments., (e) Internal controls. You must:, (1) Establish appropriate internal controls to detect and prevent loss, fraud, embezzlement, conflicts of interest, and unauthorized investments., (2) Establish and maintain a separation of duties between personnel who supervise or execute investment transactions and personnel who supervise or engage in all other investment-related functions., (3) Maintain records and management information systems that are appropriate for the level and complexity of your investment activities., (4) Implement an effective internal audit program to review, at least annually, your investment management functions, controls, processes, and compliance with FCA regulations. The scope of the annual review must be appropriate for the size, risk, and complexity of the investment portfolio., (f) Due diligence - (1) Pre-purchase analysis - (i) Objective, eligibility, and compliance with investment policies. Before you purchase an investment, you must conduct sufficient due diligence to determine whether the investment is eligible under \u00a7 652.20, is for an authorized purpose under \u00a7 652.15(a), and complies with your board-approved investment policies. You must document its eligibility, purpose, and investment policy compliance and your investment objective. Your investment policies must fully address the extent of pre-purchase analysis that management must perform for various types, classes, and structure of investments. Your board must approve your decision to hold an investment that does not comply with your written investment policy requirements., (ii) Valuation. Prior to purchase, you must verify the value of the investment (unless it is a new issue) with a source that is independent of the broker, dealer, counterparty or other intermediary to the transaction., (iii) Risk assessment. Your risk assessment must be documented and, at a minimum, include an evaluation of credit risk, market risk, and liquidity risk and the underlying collateral of the investment. You must conduct stress testing before you purchase any investment that is structured or that has uncertain cash flows, including all mortgage-backed securities or asset-backed securities. The stress testing must be commensurate with the risk and complexity of the investments and must comply with the requirements of paragraph (f)(4) of this section., (2) Monthly fair value determination. At least monthly, you must determine the fair market value of each investment in your portfolio and the fair market value of your whole investment portfolio., (3) Ongoing analysis of credit risk. You must establish and maintain processes to monitor and evaluate changes in the credit quality of each security and the whole investment portfolio on an ongoing basis., (4) Quarterly stress testing. (i) You must stress test your entire investment portfolio, including stress tests of all investments individually and stress tests of the portfolio as a whole, at the end of each quarter. The stress tests must enable you to determine that your investment securities, both individually and on a portfolio-wide basis, do not expose your capital, earnings, or liquidity to risks that exceed the risk tolerance specified in your investment policies. If your portfolio risk exceeds your investment policy limits, you must develop a plan to reduce risk and comply with your investment policy limits., (ii) Your stress tests must be comprehensive and appropriate for the risk profile of your investment portfolio and the Corporation. At a minimum, the stress tests must be able to measure the price sensitivity of investments over a range of possible interest rate/yield curve scenarios. The methodology that you use to analyze investment securities must be appropriate for the complexity, structure, and cash flows of the investments in your portfolio. You must rely to the maximum extent practicable on verifiable information to support all your assumptions, including prepayment and interest rate volatility assumptions, when you apply your stress tests. Your assumptions must be prudent and based on sound judgment, and you must document the basis for all assumptions that you use to evaluate the security and its underlying collateral. You must also document all subsequent changes in your assumptions., (5) Presale value verification. Before you sell an investment, you must verify its value with a source that is independent of the broker, dealer, counterparty, or other intermediary to the transaction., (g) Reports to the board of directors. At least quarterly, executive management must report on the following to the board of directors or a designated committee of the board:, (1) Plans and strategies for achieving the board's objectives for the investment portfolio;, (2) Whether the investment portfolio effectively achieves the board's objectives;, (3) The current composition, quality, and liquidity profile of the investment portfolio;, (4) The performance of each class of investments and the entire investment portfolio, including all gains and losses that you incurred during the quarter on individual securities that you sold before maturity and why they were liquidated;, (5) Potential risk exposure to changes in market interest rates as identified through quarterly stress testing and any other factors that may affect the value of your investment holdings;, (6) How investments affect your capital, earnings, and overall financial condition;, (7) Any deviations from the board's policies. These deviations must be formally approved by the board of directors.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["652"],"part_title":["PART 652 - FEDERAL AGRICULTURAL MORTGAGE CORPORATION FUNDING AND FISCAL AFFAIRS"],"section":["652.10"],"section_title":["\u00a7 652.10 Investment management."]},"_input_hash":-905536615,"_task_hash":1418134566,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844431,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Responsibilities of the board of directors. Your board of directors must adopt written policies for managing your non-program investment activities. Your board must also ensure that management complies with these policies and that appropriate internal controls are in place to prevent loss. At least annually, your board, or a designated committee of the board, must review the sufficiency of these investment policies. Any changes to the policies must be adopted by the board. You must report any changes to these policies to the OSMO within 10 business days of adoption., (b) Investment policies - general requirements. Your investment policies must address the purposes and objectives of investments, risk tolerance, delegations of authority, internal controls, due diligence, and reporting requirements. Moreover, your investment policies must fully address the extent of pre-purchase analysis that management must perform for various types, classes, and structure of investments. Furthermore, the policies must include reporting requirements and approvals needed for exceptions to the board's policies. Investment policies must be sufficiently detailed, consistent with, and appropriate for the amounts, types, and risk characteristics of your investments. You must document in the Corporation's records any analyses used in formulating your policies or amendments to the policies., (c) Investment policies - risk tolerance. Your investment policies must establish risk limits for the various types, classes, and sectors of eligible investments. These policies must include concentration limits to ensure prudent diversification of credit, market, and liquidity risks in the investment portfolio. Risk limits must be based on all relevant factors, including the Corporation's objectives, capital position, earnings, and quality and reliability of risk management systems. Your policies must identify the types and quantity of investments that you will hold to achieve your objectives and control credit, market, liquidity, and operational risks. Your policies must establish risk limits for the following types of risk:, (1) Credit risk. Your investment policies must establish:, (i) Credit quality standards, limits on counterparty risk, and risk diversification standards that limit concentrations in a single or related counterparty(ies), industry sectors, and asset classes or obligations with similar characteristics., (ii) Criteria for selecting brokers, dealers, and investment bankers (collectively, securities firms). You must buy and sell eligible investments with more than one securities firm. As part of your review of your investment policies required under paragraph (a) of this section, your board of directors, or a designated committee of the board, must review the criteria for selecting securities firms. Any changes to the criteria must be approved by the board., (iii) Collateral margin requirements on repurchase agreements. You must regularly mark the collateral to market and ensure appropriate controls are maintained over collateral held., (2) Market risk. Your investment policies must set market risk limits for specific types of investments and for the investment portfolio., (3) Liquidity risk. Your investment policies must describe the liquidity characteristics of eligible investments that you will hold to meet your liquidity needs and the Corporation's other objectives., (4) Operational risk. Investment policies must address operational risks, including delegations of authority and internal controls in accordance with paragraphs (d) and (e) of this section., (5) Concentration risk. Your investment policies must set risk diversification standards. Diversification parameters must be based on the carrying value of investments. You may not invest more than 10 percent of your Regulatory Capital in allowable investments issued by any single entity, issuer, or obligor. Only investments in obligations backed by U.S. Government agencies or GSEs may exceed the 10-percent limit., (d) Delegation of authority. All delegations of authority to specified personnel or committees must state the extent of management's authority and responsibilities for investments., (e) Internal controls. You must:, (1) Establish appropriate internal controls to detect and prevent loss, fraud, embezzlement, conflicts of interest, and unauthorized investments., (2) Establish and maintain a separation of duties between personnel who supervise or execute investment transactions and personnel who supervise or engage in all other investment-related functions., (3) Maintain records and management information systems that are appropriate for the level and complexity of your investment activities., (4) Implement an effective internal audit program to review, at least annually, your investment management functions, controls, processes, and compliance with FCA regulations. The scope of the annual review must be appropriate for the size, risk, and complexity of the investment portfolio., (f) Due diligence - (1) Pre-purchase analysis - (i) Objective, eligibility, and compliance with investment policies. Before you purchase an investment, you must conduct sufficient due diligence to determine whether the investment is eligible under \u00a7 652.20, is for an authorized purpose under \u00a7 652.15(a), and complies with your board-approved investment policies. You must document its eligibility, purpose, and investment policy compliance and your investment objective. Your investment policies must fully address the extent of pre-purchase analysis that management must perform for various types, classes, and structure of investments. Your board must approve your decision to hold an investment that does not comply with your written investment policy requirements., (ii) Valuation. Prior to purchase, you must verify the value of the investment (unless it is a new issue) with a source that is independent of the broker, dealer, counterparty or other intermediary to the transaction., (iii) Risk assessment. Your risk assessment must be documented and, at a minimum, include an evaluation of credit risk, market risk, and liquidity risk and the underlying collateral of the investment. You must conduct stress testing before you purchase any investment that is structured or that has uncertain cash flows, including all mortgage-backed securities or asset-backed securities. The stress testing must be commensurate with the risk and complexity of the investments and must comply with the requirements of paragraph (f)(4) of this section., (2) Monthly fair value determination. At least monthly, you must determine the fair market value of each investment in your portfolio and the fair market value of your whole investment portfolio., (3) Ongoing analysis of credit risk. You must establish and maintain processes to monitor and evaluate changes in the credit quality of each security and the whole investment portfolio on an ongoing basis., (4) Quarterly stress testing. (i) You must stress test your entire investment portfolio, including stress tests of all investments individually and stress tests of the portfolio as a whole, at the end of each quarter. The stress tests must enable you to determine that your investment securities, both individually and on a portfolio-wide basis, do not expose your capital, earnings, or liquidity to risks that exceed the risk tolerance specified in your investment policies. If your portfolio risk exceeds your investment policy limits, you must develop a plan to reduce risk and comply with your investment policy limits., (ii) Your stress tests must be comprehensive and appropriate for the risk profile of your investment portfolio and the Corporation. At a minimum, the stress tests must be able to measure the price sensitivity of investments over a range of possible interest rate/yield curve scenarios. The methodology that you use to analyze investment securities must be appropriate for the complexity, structure, and cash flows of the investments in your portfolio. You must rely to the maximum extent practicable on verifiable information to support all your assumptions, including prepayment and interest rate volatility assumptions, when you apply your stress tests. Your assumptions must be prudent and based on sound judgment, and you must document the basis for all assumptions that you use to evaluate the security and its underlying collateral. You must also document all subsequent changes in your assumptions., (5) Presale value verification. Before you sell an investment, you must verify its value with a source that is independent of the broker, dealer, counterparty, or other intermediary to the transaction., (g) Reports to the board of directors. At least quarterly, executive management must report on the following to the board of directors or a designated committee of the board:, (1) Plans and strategies for achieving the board's objectives for the investment portfolio;, (2) Whether the investment portfolio effectively achieves the board's objectives;, (3) The current composition, quality, and liquidity profile of the investment portfolio;, (4) The performance of each class of investments and the entire investment portfolio, including all gains and losses that you incurred during the quarter on individual securities that you sold before maturity and why they were liquidated;, (5) Potential risk exposure to changes in market interest rates as identified through quarterly stress testing and any other factors that may affect the value of your investment holdings;, (6) How investments affect your capital, earnings, and overall financial condition;, (7) Any deviations from the board's policies. These deviations must be formally approved by the board of directors.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["652"],"part_title":["PART 652 - FEDERAL AGRICULTURAL MORTGAGE CORPORATION FUNDING AND FISCAL AFFAIRS"],"section":["652.10"],"section_title":["\u00a7 652.10 Investment management."]},"_input_hash":-905536615,"_task_hash":1434440936,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816210,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"(a) Responsibilities of the board of directors. Your board of directors must adopt written policies for managing your non-program investment activities. Your board must also ensure that management complies with these policies and that appropriate internal controls are in place to prevent loss. At least annually, your board, or a designated committee of the board, must review the sufficiency of these investment policies. Any changes to the policies must be adopted by the board. You must report any changes to these policies to the OSMO within 10 business days of adoption., (b) Investment policies - general requirements. Your investment policies must address the purposes and objectives of investments, risk tolerance, delegations of authority, internal controls, due diligence, and reporting requirements. Moreover, your investment policies must fully address the extent of pre-purchase analysis that management must perform for various types, classes, and structure of investments. Furthermore, the policies must include reporting requirements and approvals needed for exceptions to the board's policies. Investment policies must be sufficiently detailed, consistent with, and appropriate for the amounts, types, and risk characteristics of your investments. You must document in the Corporation's records any analyses used in formulating your policies or amendments to the policies., (c) Investment policies - risk tolerance. Your investment policies must establish risk limits for the various types, classes, and sectors of eligible investments. These policies must include concentration limits to ensure prudent diversification of credit, market, and liquidity risks in the investment portfolio. Risk limits must be based on all relevant factors, including the Corporation's objectives, capital position, earnings, and quality and reliability of risk management systems. Your policies must identify the types and quantity of investments that you will hold to achieve your objectives and control credit, market, liquidity, and operational risks. Your policies must establish risk limits for the following types of risk:, (1) Credit risk. Your investment policies must establish:, (i) Credit quality standards, limits on counterparty risk, and risk diversification standards that limit concentrations in a single or related counterparty(ies), industry sectors, and asset classes or obligations with similar characteristics., (ii) Criteria for selecting brokers, dealers, and investment bankers (collectively, securities firms). You must buy and sell eligible investments with more than one securities firm. As part of your review of your investment policies required under paragraph (a) of this section, your board of directors, or a designated committee of the board, must review the criteria for selecting securities firms. Any changes to the criteria must be approved by the board., (iii) Collateral margin requirements on repurchase agreements. You must regularly mark the collateral to market and ensure appropriate controls are maintained over collateral held., (2) Market risk. Your investment policies must set market risk limits for specific types of investments and for the investment portfolio., (3) Liquidity risk. Your investment policies must describe the liquidity characteristics of eligible investments that you will hold to meet your liquidity needs and the Corporation's other objectives., (4) Operational risk. Investment policies must address operational risks, including delegations of authority and internal controls in accordance with paragraphs (d) and (e) of this section., (5) Concentration risk. Your investment policies must set risk diversification standards. Diversification parameters must be based on the carrying value of investments. You may not invest more than 10 percent of your Regulatory Capital in allowable investments issued by any single entity, issuer, or obligor. Only investments in obligations backed by U.S. Government agencies or GSEs may exceed the 10-percent limit., (d) Delegation of authority. All delegations of authority to specified personnel or committees must state the extent of management's authority and responsibilities for investments., (e) Internal controls. You must:, (1) Establish appropriate internal controls to detect and prevent loss, fraud, embezzlement, conflicts of interest, and unauthorized investments., (2) Establish and maintain a separation of duties between personnel who supervise or execute investment transactions and personnel who supervise or engage in all other investment-related functions., (3) Maintain records and management information systems that are appropriate for the level and complexity of your investment activities., (4) Implement an effective internal audit program to review, at least annually, your investment management functions, controls, processes, and compliance with FCA regulations. The scope of the annual review must be appropriate for the size, risk, and complexity of the investment portfolio., (f) Due diligence - (1) Pre-purchase analysis - (i) Objective, eligibility, and compliance with investment policies. Before you purchase an investment, you must conduct sufficient due diligence to determine whether the investment is eligible under \u00a7 652.20, is for an authorized purpose under \u00a7 652.15(a), and complies with your board-approved investment policies. You must document its eligibility, purpose, and investment policy compliance and your investment objective. Your investment policies must fully address the extent of pre-purchase analysis that management must perform for various types, classes, and structure of investments. Your board must approve your decision to hold an investment that does not comply with your written investment policy requirements., (ii) Valuation. Prior to purchase, you must verify the value of the investment (unless it is a new issue) with a source that is independent of the broker, dealer, counterparty or other intermediary to the transaction., (iii) Risk assessment. Your risk assessment must be documented and, at a minimum, include an evaluation of credit risk, market risk, and liquidity risk and the underlying collateral of the investment. You must conduct stress testing before you purchase any investment that is structured or that has uncertain cash flows, including all mortgage-backed securities or asset-backed securities. The stress testing must be commensurate with the risk and complexity of the investments and must comply with the requirements of paragraph (f)(4) of this section., (2) Monthly fair value determination. At least monthly, you must determine the fair market value of each investment in your portfolio and the fair market value of your whole investment portfolio., (3) Ongoing analysis of credit risk. You must establish and maintain processes to monitor and evaluate changes in the credit quality of each security and the whole investment portfolio on an ongoing basis., (4) Quarterly stress testing. (i) You must stress test your entire investment portfolio, including stress tests of all investments individually and stress tests of the portfolio as a whole, at the end of each quarter. The stress tests must enable you to determine that your investment securities, both individually and on a portfolio-wide basis, do not expose your capital, earnings, or liquidity to risks that exceed the risk tolerance specified in your investment policies. If your portfolio risk exceeds your investment policy limits, you must develop a plan to reduce risk and comply with your investment policy limits., (ii) Your stress tests must be comprehensive and appropriate for the risk profile of your investment portfolio and the Corporation. At a minimum, the stress tests must be able to measure the price sensitivity of investments over a range of possible interest rate/yield curve scenarios. The methodology that you use to analyze investment securities must be appropriate for the complexity, structure, and cash flows of the investments in your portfolio. You must rely to the maximum extent practicable on verifiable information to support all your assumptions, including prepayment and interest rate volatility assumptions, when you apply your stress tests. Your assumptions must be prudent and based on sound judgment, and you must document the basis for all assumptions that you use to evaluate the security and its underlying collateral. You must also document all subsequent changes in your assumptions., (5) Presale value verification. Before you sell an investment, you must verify its value with a source that is independent of the broker, dealer, counterparty, or other intermediary to the transaction., (g) Reports to the board of directors. At least quarterly, executive management must report on the following to the board of directors or a designated committee of the board:, (1) Plans and strategies for achieving the board's objectives for the investment portfolio;, (2) Whether the investment portfolio effectively achieves the board's objectives;, (3) The current composition, quality, and liquidity profile of the investment portfolio;, (4) The performance of each class of investments and the entire investment portfolio, including all gains and losses that you incurred during the quarter on individual securities that you sold before maturity and why they were liquidated;, (5) Potential risk exposure to changes in market interest rates as identified through quarterly stress testing and any other factors that may affect the value of your investment holdings;, (6) How investments affect your capital, earnings, and overall financial condition;, (7) Any deviations from the board's policies. These deviations must be formally approved by the board of directors.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["652"],"part_title":["PART 652 - FEDERAL AGRICULTURAL MORTGAGE CORPORATION FUNDING AND FISCAL AFFAIRS"],"section":["652.10"],"section_title":["\u00a7 652.10 Investment management."]},"_input_hash":-905536615,"_task_hash":1418134566,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711824556,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Responsibilities of the board of directors. Your board of directors must adopt written policies for managing your non-program investment activities. Your board must also ensure that management complies with these policies and that appropriate internal controls are in place to prevent loss. At least annually, your board, or a designated committee of the board, must review the sufficiency of these investment policies. Any changes to the policies must be adopted by the board. You must report any changes to these policies to the OSMO within 10 business days of adoption., (b) Investment policies - general requirements. Your investment policies must address the purposes and objectives of investments, risk tolerance, delegations of authority, internal controls, due diligence, and reporting requirements. Moreover, your investment policies must fully address the extent of pre-purchase analysis that management must perform for various types, classes, and structure of investments. Furthermore, the policies must include reporting requirements and approvals needed for exceptions to the board's policies. Investment policies must be sufficiently detailed, consistent with, and appropriate for the amounts, types, and risk characteristics of your investments. You must document in the Corporation's records any analyses used in formulating your policies or amendments to the policies., (c) Investment policies - risk tolerance. Your investment policies must establish risk limits for the various types, classes, and sectors of eligible investments. These policies must include concentration limits to ensure prudent diversification of credit, market, and liquidity risks in the investment portfolio. Risk limits must be based on all relevant factors, including the Corporation's objectives, capital position, earnings, and quality and reliability of risk management systems. Your policies must identify the types and quantity of investments that you will hold to achieve your objectives and control credit, market, liquidity, and operational risks. Your policies must establish risk limits for the following types of risk:, (1) Credit risk. Your investment policies must establish:, (i) Credit quality standards, limits on counterparty risk, and risk diversification standards that limit concentrations in a single or related counterparty(ies), industry sectors, and asset classes or obligations with similar characteristics., (ii) Criteria for selecting brokers, dealers, and investment bankers (collectively, securities firms). You must buy and sell eligible investments with more than one securities firm. As part of your review of your investment policies required under paragraph (a) of this section, your board of directors, or a designated committee of the board, must review the criteria for selecting securities firms. Any changes to the criteria must be approved by the board., (iii) Collateral margin requirements on repurchase agreements. You must regularly mark the collateral to market and ensure appropriate controls are maintained over collateral held., (2) Market risk. Your investment policies must set market risk limits for specific types of investments and for the investment portfolio., (3) Liquidity risk. Your investment policies must describe the liquidity characteristics of eligible investments that you will hold to meet your liquidity needs and the Corporation's other objectives., (4) Operational risk. Investment policies must address operational risks, including delegations of authority and internal controls in accordance with paragraphs (d) and (e) of this section., (5) Concentration risk. Your investment policies must set risk diversification standards. Diversification parameters must be based on the carrying value of investments. You may not invest more than 10 percent of your Regulatory Capital in allowable investments issued by any single entity, issuer, or obligor. Only investments in obligations backed by U.S. Government agencies or GSEs may exceed the 10-percent limit., (d) Delegation of authority. All delegations of authority to specified personnel or committees must state the extent of management's authority and responsibilities for investments., (e) Internal controls. You must:, (1) Establish appropriate internal controls to detect and prevent loss, fraud, embezzlement, conflicts of interest, and unauthorized investments., (2) Establish and maintain a separation of duties between personnel who supervise or execute investment transactions and personnel who supervise or engage in all other investment-related functions., (3) Maintain records and management information systems that are appropriate for the level and complexity of your investment activities., (4) Implement an effective internal audit program to review, at least annually, your investment management functions, controls, processes, and compliance with FCA regulations. The scope of the annual review must be appropriate for the size, risk, and complexity of the investment portfolio., (f) Due diligence - (1) Pre-purchase analysis - (i) Objective, eligibility, and compliance with investment policies. Before you purchase an investment, you must conduct sufficient due diligence to determine whether the investment is eligible under \u00a7 652.20, is for an authorized purpose under \u00a7 652.15(a), and complies with your board-approved investment policies. You must document its eligibility, purpose, and investment policy compliance and your investment objective. Your investment policies must fully address the extent of pre-purchase analysis that management must perform for various types, classes, and structure of investments. Your board must approve your decision to hold an investment that does not comply with your written investment policy requirements., (ii) Valuation. Prior to purchase, you must verify the value of the investment (unless it is a new issue) with a source that is independent of the broker, dealer, counterparty or other intermediary to the transaction., (iii) Risk assessment. Your risk assessment must be documented and, at a minimum, include an evaluation of credit risk, market risk, and liquidity risk and the underlying collateral of the investment. You must conduct stress testing before you purchase any investment that is structured or that has uncertain cash flows, including all mortgage-backed securities or asset-backed securities. The stress testing must be commensurate with the risk and complexity of the investments and must comply with the requirements of paragraph (f)(4) of this section., (2) Monthly fair value determination. At least monthly, you must determine the fair market value of each investment in your portfolio and the fair market value of your whole investment portfolio., (3) Ongoing analysis of credit risk. You must establish and maintain processes to monitor and evaluate changes in the credit quality of each security and the whole investment portfolio on an ongoing basis., (4) Quarterly stress testing. (i) You must stress test your entire investment portfolio, including stress tests of all investments individually and stress tests of the portfolio as a whole, at the end of each quarter. The stress tests must enable you to determine that your investment securities, both individually and on a portfolio-wide basis, do not expose your capital, earnings, or liquidity to risks that exceed the risk tolerance specified in your investment policies. If your portfolio risk exceeds your investment policy limits, you must develop a plan to reduce risk and comply with your investment policy limits., (ii) Your stress tests must be comprehensive and appropriate for the risk profile of your investment portfolio and the Corporation. At a minimum, the stress tests must be able to measure the price sensitivity of investments over a range of possible interest rate/yield curve scenarios. The methodology that you use to analyze investment securities must be appropriate for the complexity, structure, and cash flows of the investments in your portfolio. You must rely to the maximum extent practicable on verifiable information to support all your assumptions, including prepayment and interest rate volatility assumptions, when you apply your stress tests. Your assumptions must be prudent and based on sound judgment, and you must document the basis for all assumptions that you use to evaluate the security and its underlying collateral. You must also document all subsequent changes in your assumptions., (5) Presale value verification. Before you sell an investment, you must verify its value with a source that is independent of the broker, dealer, counterparty, or other intermediary to the transaction., (g) Reports to the board of directors. At least quarterly, executive management must report on the following to the board of directors or a designated committee of the board:, (1) Plans and strategies for achieving the board's objectives for the investment portfolio;, (2) Whether the investment portfolio effectively achieves the board's objectives;, (3) The current composition, quality, and liquidity profile of the investment portfolio;, (4) The performance of each class of investments and the entire investment portfolio, including all gains and losses that you incurred during the quarter on individual securities that you sold before maturity and why they were liquidated;, (5) Potential risk exposure to changes in market interest rates as identified through quarterly stress testing and any other factors that may affect the value of your investment holdings;, (6) How investments affect your capital, earnings, and overall financial condition;, (7) Any deviations from the board's policies. These deviations must be formally approved by the board of directors.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["652"],"part_title":["PART 652 - FEDERAL AGRICULTURAL MORTGAGE CORPORATION FUNDING AND FISCAL AFFAIRS"],"section":["652.10"],"section_title":["\u00a7 652.10 Investment management."]},"_input_hash":-905536615,"_task_hash":1958808467,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","config":{"choice_style":"single"},"accept":["ReportingAndCompliance"],"answer":"accept","_timestamp":1711831109,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Filling unexpired terms. (1) When a vacancy occurs on the board of directors of any Bank, the board of directors of the Bank shall elect, by a majority vote of the remaining Bank directors sitting as a board, an individual to fill the unexpired term of office of the vacant directorship, regardless of whether the remaining Bank directors constitute a quorum of the Bank's board of directors., (2) The board of directors of the Bank may fill an anticipated vacancy prior to the effective date of the vacancy, provided the board does so no sooner than the date of the regularly scheduled board meeting that occurs immediately prior to the effective date of the vacancy., (3) The board of directors shall elect only an individual who satisfies all the eligibility requirements in the Bank Act and in this subpart that applied to his or her predecessor and, for independent directorships, also satisfies any of the qualifications in the Bank Act or this subpart. If a Bank does not have at least two sitting public interest independent directors, the board of directors of the Bank shall designate the directorship as a public interest directorship and shall elect an individual who satisfies a public interest independent directorship qualification in the Bank Act or in this subpart., (b) Verifying eligibility. Prior to any election by the board of directors, the Bank shall obtain an executed member director eligibility certification form prescribed by FHFA from each individual being considered to fill a member directorship and an executed independent director application form prescribed by FHFA from each individual being considered to fill an independent directorship. Using the executed forms, each Bank shall verify each individual's eligibility and, as to independent directors, also shall verify the individual's qualifications. Before any independent director is elected by the board of directors of a Bank, the Bank shall deliver to FHFA for its review a copy of the application form of each individual being considered by the board. The Bank shall retain the information it receives in accordance with \u00a7 1261.7(c) and (d)., (c) Notification. Promptly after allowing the individual to assume the directorship, as provided in paragraph (b) of this section, a Bank shall notify FHFA and each member located in the Bank's district in writing of the following:, (1) For each member directorship filled by the board of a Bank, the name of the director, the name, location, and FHFA ID number of the member the director serves, the director's title or position with the member, the voting State that the director represents, and the expiration date of the director's term of office; and, (2) For each independent directorship filled by the board of a Bank, the name of the director, the name and location of the organization with which the director is affiliated, if any, the director's title or position with such organization, and the expiration date of the director's term of office. ","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1261"],"part_title":["PART 1261 - FEDERAL HOME LOAN BANK DIRECTORS"],"section":["1261.14"],"section_title":["\u00a7 1261.14 Vacant Bank directorships."]},"_input_hash":-1758378326,"_task_hash":1610382779,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844432,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"(a) Filling unexpired terms. (1) When a vacancy occurs on the board of directors of any Bank, the board of directors of the Bank shall elect, by a majority vote of the remaining Bank directors sitting as a board, an individual to fill the unexpired term of office of the vacant directorship, regardless of whether the remaining Bank directors constitute a quorum of the Bank's board of directors., (2) The board of directors of the Bank may fill an anticipated vacancy prior to the effective date of the vacancy, provided the board does so no sooner than the date of the regularly scheduled board meeting that occurs immediately prior to the effective date of the vacancy., (3) The board of directors shall elect only an individual who satisfies all the eligibility requirements in the Bank Act and in this subpart that applied to his or her predecessor and, for independent directorships, also satisfies any of the qualifications in the Bank Act or this subpart. If a Bank does not have at least two sitting public interest independent directors, the board of directors of the Bank shall designate the directorship as a public interest directorship and shall elect an individual who satisfies a public interest independent directorship qualification in the Bank Act or in this subpart., (b) Verifying eligibility. Prior to any election by the board of directors, the Bank shall obtain an executed member director eligibility certification form prescribed by FHFA from each individual being considered to fill a member directorship and an executed independent director application form prescribed by FHFA from each individual being considered to fill an independent directorship. Using the executed forms, each Bank shall verify each individual's eligibility and, as to independent directors, also shall verify the individual's qualifications. Before any independent director is elected by the board of directors of a Bank, the Bank shall deliver to FHFA for its review a copy of the application form of each individual being considered by the board. The Bank shall retain the information it receives in accordance with \u00a7 1261.7(c) and (d)., (c) Notification. Promptly after allowing the individual to assume the directorship, as provided in paragraph (b) of this section, a Bank shall notify FHFA and each member located in the Bank's district in writing of the following:, (1) For each member directorship filled by the board of a Bank, the name of the director, the name, location, and FHFA ID number of the member the director serves, the director's title or position with the member, the voting State that the director represents, and the expiration date of the director's term of office; and, (2) For each independent directorship filled by the board of a Bank, the name of the director, the name and location of the organization with which the director is affiliated, if any, the director's title or position with such organization, and the expiration date of the director's term of office. ","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1261"],"part_title":["PART 1261 - FEDERAL HOME LOAN BANK DIRECTORS"],"section":["1261.14"],"section_title":["\u00a7 1261.14 Vacant Bank directorships."]},"_input_hash":-1758378326,"_task_hash":1610382779,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816223,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"(a) Filling unexpired terms. (1) When a vacancy occurs on the board of directors of any Bank, the board of directors of the Bank shall elect, by a majority vote of the remaining Bank directors sitting as a board, an individual to fill the unexpired term of office of the vacant directorship, regardless of whether the remaining Bank directors constitute a quorum of the Bank's board of directors., (2) The board of directors of the Bank may fill an anticipated vacancy prior to the effective date of the vacancy, provided the board does so no sooner than the date of the regularly scheduled board meeting that occurs immediately prior to the effective date of the vacancy., (3) The board of directors shall elect only an individual who satisfies all the eligibility requirements in the Bank Act and in this subpart that applied to his or her predecessor and, for independent directorships, also satisfies any of the qualifications in the Bank Act or this subpart. If a Bank does not have at least two sitting public interest independent directors, the board of directors of the Bank shall designate the directorship as a public interest directorship and shall elect an individual who satisfies a public interest independent directorship qualification in the Bank Act or in this subpart., (b) Verifying eligibility. Prior to any election by the board of directors, the Bank shall obtain an executed member director eligibility certification form prescribed by FHFA from each individual being considered to fill a member directorship and an executed independent director application form prescribed by FHFA from each individual being considered to fill an independent directorship. Using the executed forms, each Bank shall verify each individual's eligibility and, as to independent directors, also shall verify the individual's qualifications. Before any independent director is elected by the board of directors of a Bank, the Bank shall deliver to FHFA for its review a copy of the application form of each individual being considered by the board. The Bank shall retain the information it receives in accordance with \u00a7 1261.7(c) and (d)., (c) Notification. Promptly after allowing the individual to assume the directorship, as provided in paragraph (b) of this section, a Bank shall notify FHFA and each member located in the Bank's district in writing of the following:, (1) For each member directorship filled by the board of a Bank, the name of the director, the name, location, and FHFA ID number of the member the director serves, the director's title or position with the member, the voting State that the director represents, and the expiration date of the director's term of office; and, (2) For each independent directorship filled by the board of a Bank, the name of the director, the name and location of the organization with which the director is affiliated, if any, the director's title or position with such organization, and the expiration date of the director's term of office. ","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1261"],"part_title":["PART 1261 - FEDERAL HOME LOAN BANK DIRECTORS"],"section":["1261.14"],"section_title":["\u00a7 1261.14 Vacant Bank directorships."]},"_input_hash":-1758378326,"_task_hash":1394923482,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711824573,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) General rules. (1) Conduct. Hearings shall be conducted in accordance with chapter 5 of title 5 and other applicable law and so as to provide a fair and expeditious presentation of the relevant disputed issues. Except as limited by this subpart, each party has the right to present its case or defense by oral and documentary evidence and to conduct such cross examination as may be required for full disclosure of the facts., (2) Order of hearing. FHFA counsel of record shall present its case-in-chief first, unless otherwise ordered by the presiding officer or unless otherwise expressly specified by law or regulation. FHFA counsel of record shall be the first party to present an opening statement and a closing statement and may make a rebuttal statement after the respondent's closing statement. If there are multiple respondents, respondents may agree among themselves as to the order of presentation of their cases, but if they do not agree, the presiding officer shall fix the order., (3) Examination of witnesses. Only one representative for each party may conduct an examination of a witness, except that in the case of extensive direct examination, the presiding officer may permit more than one representative for the party presenting the witness to conduct the examination. A party may have one representative conduct the direct examination and another representative conduct re-direct examination of a witness, or may have one representative conduct the cross examination of a witness and another representative conduct the re-cross examination of a witness., (4) Stipulations. Unless the presiding officer directs otherwise, all documents that the parties have stipulated as admissible shall be admitted into evidence upon commencement of the hearing., (b) Transcript. The hearing shall be recorded and transcribed. The transcript shall be made available to any party upon payment of the cost thereof. The presiding officer shall have authority to order the record corrected, either upon motion to correct, upon stipulation of the parties, or following notice to the parties upon the presiding officer's own motion.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1209"],"part_title":["PART 1209 - RULES OF PRACTICE AND PROCEDURE"],"section":["1209.50"],"section_title":["\u00a7 1209.50 Conduct of hearings."]},"_input_hash":1984395014,"_task_hash":1550944868,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844433,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) General rules. (1) Conduct. Hearings shall be conducted in accordance with chapter 5 of title 5 and other applicable law and so as to provide a fair and expeditious presentation of the relevant disputed issues. Except as limited by this subpart, each party has the right to present its case or defense by oral and documentary evidence and to conduct such cross examination as may be required for full disclosure of the facts., (2) Order of hearing. FHFA counsel of record shall present its case-in-chief first, unless otherwise ordered by the presiding officer or unless otherwise expressly specified by law or regulation. FHFA counsel of record shall be the first party to present an opening statement and a closing statement and may make a rebuttal statement after the respondent's closing statement. If there are multiple respondents, respondents may agree among themselves as to the order of presentation of their cases, but if they do not agree, the presiding officer shall fix the order., (3) Examination of witnesses. Only one representative for each party may conduct an examination of a witness, except that in the case of extensive direct examination, the presiding officer may permit more than one representative for the party presenting the witness to conduct the examination. A party may have one representative conduct the direct examination and another representative conduct re-direct examination of a witness, or may have one representative conduct the cross examination of a witness and another representative conduct the re-cross examination of a witness., (4) Stipulations. Unless the presiding officer directs otherwise, all documents that the parties have stipulated as admissible shall be admitted into evidence upon commencement of the hearing., (b) Transcript. The hearing shall be recorded and transcribed. The transcript shall be made available to any party upon payment of the cost thereof. The presiding officer shall have authority to order the record corrected, either upon motion to correct, upon stipulation of the parties, or following notice to the parties upon the presiding officer's own motion.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1209"],"part_title":["PART 1209 - RULES OF PRACTICE AND PROCEDURE"],"section":["1209.50"],"section_title":["\u00a7 1209.50 Conduct of hearings."]},"_input_hash":1984395014,"_task_hash":1550944868,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816236,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) General rules. (1) Conduct. Hearings shall be conducted in accordance with chapter 5 of title 5 and other applicable law and so as to provide a fair and expeditious presentation of the relevant disputed issues. Except as limited by this subpart, each party has the right to present its case or defense by oral and documentary evidence and to conduct such cross examination as may be required for full disclosure of the facts., (2) Order of hearing. FHFA counsel of record shall present its case-in-chief first, unless otherwise ordered by the presiding officer or unless otherwise expressly specified by law or regulation. FHFA counsel of record shall be the first party to present an opening statement and a closing statement and may make a rebuttal statement after the respondent's closing statement. If there are multiple respondents, respondents may agree among themselves as to the order of presentation of their cases, but if they do not agree, the presiding officer shall fix the order., (3) Examination of witnesses. Only one representative for each party may conduct an examination of a witness, except that in the case of extensive direct examination, the presiding officer may permit more than one representative for the party presenting the witness to conduct the examination. A party may have one representative conduct the direct examination and another representative conduct re-direct examination of a witness, or may have one representative conduct the cross examination of a witness and another representative conduct the re-cross examination of a witness., (4) Stipulations. Unless the presiding officer directs otherwise, all documents that the parties have stipulated as admissible shall be admitted into evidence upon commencement of the hearing., (b) Transcript. The hearing shall be recorded and transcribed. The transcript shall be made available to any party upon payment of the cost thereof. The presiding officer shall have authority to order the record corrected, either upon motion to correct, upon stipulation of the parties, or following notice to the parties upon the presiding officer's own motion.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1209"],"part_title":["PART 1209 - RULES OF PRACTICE AND PROCEDURE"],"section":["1209.50"],"section_title":["\u00a7 1209.50 Conduct of hearings."]},"_input_hash":1984395014,"_task_hash":-538185356,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711824589,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) General rules. (1) Conduct. Hearings shall be conducted in accordance with chapter 5 of title 5 and other applicable law and so as to provide a fair and expeditious presentation of the relevant disputed issues. Except as limited by this subpart, each party has the right to present its case or defense by oral and documentary evidence and to conduct such cross examination as may be required for full disclosure of the facts., (2) Order of hearing. FHFA counsel of record shall present its case-in-chief first, unless otherwise ordered by the presiding officer or unless otherwise expressly specified by law or regulation. FHFA counsel of record shall be the first party to present an opening statement and a closing statement and may make a rebuttal statement after the respondent's closing statement. If there are multiple respondents, respondents may agree among themselves as to the order of presentation of their cases, but if they do not agree, the presiding officer shall fix the order., (3) Examination of witnesses. Only one representative for each party may conduct an examination of a witness, except that in the case of extensive direct examination, the presiding officer may permit more than one representative for the party presenting the witness to conduct the examination. A party may have one representative conduct the direct examination and another representative conduct re-direct examination of a witness, or may have one representative conduct the cross examination of a witness and another representative conduct the re-cross examination of a witness., (4) Stipulations. Unless the presiding officer directs otherwise, all documents that the parties have stipulated as admissible shall be admitted into evidence upon commencement of the hearing., (b) Transcript. The hearing shall be recorded and transcribed. The transcript shall be made available to any party upon payment of the cost thereof. The presiding officer shall have authority to order the record corrected, either upon motion to correct, upon stipulation of the parties, or following notice to the parties upon the presiding officer's own motion.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1209"],"part_title":["PART 1209 - RULES OF PRACTICE AND PROCEDURE"],"section":["1209.50"],"section_title":["\u00a7 1209.50 Conduct of hearings."]},"_input_hash":1984395014,"_task_hash":-369987096,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711831237,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Grounds for issuance. A suspending official may issue a final suspension order with respect to a respondent proposed for suspension if, based solely on the written record, the suspending official determines that there is adequate evidence that:, (1) The respondent engaged in covered misconduct; and, (2) The covered misconduct is of a type that would be likely to cause significant financial or reputational harm to a regulated entity or otherwise threaten the safe and sound operation of a regulated entity., (b) Written record. The written record shall include any material submitted by the respondent and any material submitted by the regulated entities, as well as any other material that was considered by the suspending official in making the final determination, including any information related to the factors in paragraph (c) of this section. FHFA may independently obtain information relevant to the suspension determination for inclusion in the written record., (c) Factors that may be considered by the suspending official. In determining whether or not to issue a final suspension order with respect to the respondent where the grounds for suspension are satisfied, the suspending official may also consider any factors that the suspending official determines may be relevant in light of the circumstances of the particular case, including but not limited to:, (1) The actual or potential harm or impact that results or may result from the covered misconduct;, (2) The frequency of incidents or duration of the covered misconduct;, (3) Whether there is a pattern of prior covered misconduct;, (4) Whether and to what extent the respondent planned, initiated, or carried out the covered misconduct;, (5) Whether the respondent has accepted responsibility for the covered misconduct and recognizes its seriousness;, (6) Whether the respondent has paid or agreed to pay all criminal, civil and administrative penalties or liabilities for the covered misconduct, including any investigative or administrative costs incurred by the government, and has made or agreed to make full restitution;, (7) Whether the covered misconduct was pervasive within the respondent's organization;, (8) The kind of positions held by the individuals involved in the covered misconduct;, (9) Whether the respondent's organization took appropriate corrective action or remedial measures, such as establishing ethics training and implementing programs to prevent recurrence of the covered misconduct;, (10) Whether the respondent brought the covered misconduct to the attention of the appropriate government agency in a timely manner;, (11) Whether the respondent has fully investigated the circumstances surrounding the covered misconduct and, if so, made the result of the investigation available to the suspending official;, (12) Whether the respondent had effective standards of conduct and internal control systems in place at the time the covered misconduct occurred;, (13) Whether the respondent has taken appropriate disciplinary action against the individuals responsible for the covered misconduct; or, (14) Whether the respondent has had adequate time to eliminate the circumstances within the organization that led to the covered misconduct., (d) Deadline for decision. The suspending official shall make a determination on whether to issue a final suspension order with respect to the respondent within thirty (30) calendar days of the deadline given for the respondent's response in the notice of proposed suspension, unless the suspending official notifies the respondent in writing that additional time is needed., (e) Determination not to issue final suspension order. If the suspending official determines that suspension is not appropriate with respect to the respondent, the suspending official shall provide prompt written notice of that determination to the respondent, the regulated entity, and all of the other regulated entities., (f) Issuance of final suspension order - (1) General. If the suspending official makes a final determination to suspend the respondent, the suspending official shall issue a final suspension order to each regulated entity regarding the respondent., (2) Content of final suspension order. A final suspension order shall include:, (i) A statement of the suspension determination and supporting grounds, including a discussion of any relevant information submitted by the respondent or regulated entities;, (ii) Identification of each person and any affiliates thereof to which the suspension applies;, (iii) A description of the scope of the suspension, including the time period to which the suspension applies; and, (iv) A description of any limitations or qualifications that apply to the scope of the suspension, including modification of the conduct of covered transactions that may be engaged in with the respondent., (3) Notice to respondent required. The suspending official shall provide prompt written notice to the respondent of the final suspension order issued to the regulated entities with respect to such respondent., (4) Content of notice. The notice of a final suspension order shall include:, (i) A statement of the suspension determination and supporting grounds, including a discussion of any relevant information submitted by the respondent; and, (ii) A copy of the final suspension order., (g) Effective date. A final suspension order shall take effect on the date specified in the order, which shall be at least forty-five (45) calendar days after the date on which the order is signed by the suspending official.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - ENTITY REGULATIONS"],"part":["1227"],"part_title":["PART 1227 - SUSPENDED COUNTERPARTY PROGRAM"],"section":["1227.6"],"section_title":["\u00a7 1227.6 Final suspension order."]},"_input_hash":1174279743,"_task_hash":614843016,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844435,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) Grounds for issuance. A suspending official may issue a final suspension order with respect to a respondent proposed for suspension if, based solely on the written record, the suspending official determines that there is adequate evidence that:, (1) The respondent engaged in covered misconduct; and, (2) The covered misconduct is of a type that would be likely to cause significant financial or reputational harm to a regulated entity or otherwise threaten the safe and sound operation of a regulated entity., (b) Written record. The written record shall include any material submitted by the respondent and any material submitted by the regulated entities, as well as any other material that was considered by the suspending official in making the final determination, including any information related to the factors in paragraph (c) of this section. FHFA may independently obtain information relevant to the suspension determination for inclusion in the written record., (c) Factors that may be considered by the suspending official. In determining whether or not to issue a final suspension order with respect to the respondent where the grounds for suspension are satisfied, the suspending official may also consider any factors that the suspending official determines may be relevant in light of the circumstances of the particular case, including but not limited to:, (1) The actual or potential harm or impact that results or may result from the covered misconduct;, (2) The frequency of incidents or duration of the covered misconduct;, (3) Whether there is a pattern of prior covered misconduct;, (4) Whether and to what extent the respondent planned, initiated, or carried out the covered misconduct;, (5) Whether the respondent has accepted responsibility for the covered misconduct and recognizes its seriousness;, (6) Whether the respondent has paid or agreed to pay all criminal, civil and administrative penalties or liabilities for the covered misconduct, including any investigative or administrative costs incurred by the government, and has made or agreed to make full restitution;, (7) Whether the covered misconduct was pervasive within the respondent's organization;, (8) The kind of positions held by the individuals involved in the covered misconduct;, (9) Whether the respondent's organization took appropriate corrective action or remedial measures, such as establishing ethics training and implementing programs to prevent recurrence of the covered misconduct;, (10) Whether the respondent brought the covered misconduct to the attention of the appropriate government agency in a timely manner;, (11) Whether the respondent has fully investigated the circumstances surrounding the covered misconduct and, if so, made the result of the investigation available to the suspending official;, (12) Whether the respondent had effective standards of conduct and internal control systems in place at the time the covered misconduct occurred;, (13) Whether the respondent has taken appropriate disciplinary action against the individuals responsible for the covered misconduct; or, (14) Whether the respondent has had adequate time to eliminate the circumstances within the organization that led to the covered misconduct., (d) Deadline for decision. The suspending official shall make a determination on whether to issue a final suspension order with respect to the respondent within thirty (30) calendar days of the deadline given for the respondent's response in the notice of proposed suspension, unless the suspending official notifies the respondent in writing that additional time is needed., (e) Determination not to issue final suspension order. If the suspending official determines that suspension is not appropriate with respect to the respondent, the suspending official shall provide prompt written notice of that determination to the respondent, the regulated entity, and all of the other regulated entities., (f) Issuance of final suspension order - (1) General. If the suspending official makes a final determination to suspend the respondent, the suspending official shall issue a final suspension order to each regulated entity regarding the respondent., (2) Content of final suspension order. A final suspension order shall include:, (i) A statement of the suspension determination and supporting grounds, including a discussion of any relevant information submitted by the respondent or regulated entities;, (ii) Identification of each person and any affiliates thereof to which the suspension applies;, (iii) A description of the scope of the suspension, including the time period to which the suspension applies; and, (iv) A description of any limitations or qualifications that apply to the scope of the suspension, including modification of the conduct of covered transactions that may be engaged in with the respondent., (3) Notice to respondent required. The suspending official shall provide prompt written notice to the respondent of the final suspension order issued to the regulated entities with respect to such respondent., (4) Content of notice. The notice of a final suspension order shall include:, (i) A statement of the suspension determination and supporting grounds, including a discussion of any relevant information submitted by the respondent; and, (ii) A copy of the final suspension order., (g) Effective date. A final suspension order shall take effect on the date specified in the order, which shall be at least forty-five (45) calendar days after the date on which the order is signed by the suspending official.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - ENTITY REGULATIONS"],"part":["1227"],"part_title":["PART 1227 - SUSPENDED COUNTERPARTY PROGRAM"],"section":["1227.6"],"section_title":["\u00a7 1227.6 Final suspension order."]},"_input_hash":1174279743,"_task_hash":614843016,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816254,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) Grounds for issuance. A suspending official may issue a final suspension order with respect to a respondent proposed for suspension if, based solely on the written record, the suspending official determines that there is adequate evidence that:, (1) The respondent engaged in covered misconduct; and, (2) The covered misconduct is of a type that would be likely to cause significant financial or reputational harm to a regulated entity or otherwise threaten the safe and sound operation of a regulated entity., (b) Written record. The written record shall include any material submitted by the respondent and any material submitted by the regulated entities, as well as any other material that was considered by the suspending official in making the final determination, including any information related to the factors in paragraph (c) of this section. FHFA may independently obtain information relevant to the suspension determination for inclusion in the written record., (c) Factors that may be considered by the suspending official. In determining whether or not to issue a final suspension order with respect to the respondent where the grounds for suspension are satisfied, the suspending official may also consider any factors that the suspending official determines may be relevant in light of the circumstances of the particular case, including but not limited to:, (1) The actual or potential harm or impact that results or may result from the covered misconduct;, (2) The frequency of incidents or duration of the covered misconduct;, (3) Whether there is a pattern of prior covered misconduct;, (4) Whether and to what extent the respondent planned, initiated, or carried out the covered misconduct;, (5) Whether the respondent has accepted responsibility for the covered misconduct and recognizes its seriousness;, (6) Whether the respondent has paid or agreed to pay all criminal, civil and administrative penalties or liabilities for the covered misconduct, including any investigative or administrative costs incurred by the government, and has made or agreed to make full restitution;, (7) Whether the covered misconduct was pervasive within the respondent's organization;, (8) The kind of positions held by the individuals involved in the covered misconduct;, (9) Whether the respondent's organization took appropriate corrective action or remedial measures, such as establishing ethics training and implementing programs to prevent recurrence of the covered misconduct;, (10) Whether the respondent brought the covered misconduct to the attention of the appropriate government agency in a timely manner;, (11) Whether the respondent has fully investigated the circumstances surrounding the covered misconduct and, if so, made the result of the investigation available to the suspending official;, (12) Whether the respondent had effective standards of conduct and internal control systems in place at the time the covered misconduct occurred;, (13) Whether the respondent has taken appropriate disciplinary action against the individuals responsible for the covered misconduct; or, (14) Whether the respondent has had adequate time to eliminate the circumstances within the organization that led to the covered misconduct., (d) Deadline for decision. The suspending official shall make a determination on whether to issue a final suspension order with respect to the respondent within thirty (30) calendar days of the deadline given for the respondent's response in the notice of proposed suspension, unless the suspending official notifies the respondent in writing that additional time is needed., (e) Determination not to issue final suspension order. If the suspending official determines that suspension is not appropriate with respect to the respondent, the suspending official shall provide prompt written notice of that determination to the respondent, the regulated entity, and all of the other regulated entities., (f) Issuance of final suspension order - (1) General. If the suspending official makes a final determination to suspend the respondent, the suspending official shall issue a final suspension order to each regulated entity regarding the respondent., (2) Content of final suspension order. A final suspension order shall include:, (i) A statement of the suspension determination and supporting grounds, including a discussion of any relevant information submitted by the respondent or regulated entities;, (ii) Identification of each person and any affiliates thereof to which the suspension applies;, (iii) A description of the scope of the suspension, including the time period to which the suspension applies; and, (iv) A description of any limitations or qualifications that apply to the scope of the suspension, including modification of the conduct of covered transactions that may be engaged in with the respondent., (3) Notice to respondent required. The suspending official shall provide prompt written notice to the respondent of the final suspension order issued to the regulated entities with respect to such respondent., (4) Content of notice. The notice of a final suspension order shall include:, (i) A statement of the suspension determination and supporting grounds, including a discussion of any relevant information submitted by the respondent; and, (ii) A copy of the final suspension order., (g) Effective date. A final suspension order shall take effect on the date specified in the order, which shall be at least forty-five (45) calendar days after the date on which the order is signed by the suspending official.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - ENTITY REGULATIONS"],"part":["1227"],"part_title":["PART 1227 - SUSPENDED COUNTERPARTY PROGRAM"],"section":["1227.6"],"section_title":["\u00a7 1227.6 Final suspension order."]},"_input_hash":1174279743,"_task_hash":688248708,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711841435,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Application for stock or deposit. Each national bank in process of organization,3 each nonmember state bank converting into a national bank, and each nonmember state bank applying for membership in the Federal Reserve System under Regulation H, 12 CFR part 208, shall file with the Federal Reserve Bank (Reserve Bank) in whose district it is located an application for stock (or deposit in the case of mutual savings banks not authorized to purchase Reserve Bank stock 4) in the Reserve Bank. This application for stock must state whether the applicant's total consolidated assets exceed $11,229,000,000. The bank shall pay for the stock (or deposit) in accordance with \u00a7 209.4 of this part., 3 A new national bank organized by the Federal Deposit Insurance Corporation under section 11(n) of the Federal Deposit Insurance Act (12 U.S.C. 1821(n)) should not apply until in the process of issuing stock pursuant to section 11(n)(15) of that act. Reserve Bank approval of such an application shall not be effective until the issuance of a certificate by the Comptroller of the Currency pursuant to section 11(n)(16) of that act., 4 A mutual savings bank not authorized to purchase Federal Reserve Bank stock may apply for membership evidenced initially by a deposit. (See \u00a7 208.3(a) of Regulation H, 12 CFR part 208.) The membership of the savings bank shall be terminated if the laws under which it is organized are not amended to authorize such purchase at the first session of the legislature after its admission, or if it fails to purchase such stock within six months after such an amendment., (b) Issuance of stock; acceptance of deposit. Upon authorization to commence business by the Comptroller of the Currency in the case of a national bank in organization or upon approval of conversion by the Comptroller of the Currency in the case of a state nonmember bank converting to a national bank, or when all applicable requirements have been complied with in the case of a state bank approved for membership, the Reserve Bank shall issue the appropriate number of shares by crediting the bank with the appropriate number of shares on its books. In the case of a national or state member bank in organization, such issuance shall be as of the date the bank opens for business. In the case of a mutual savings bank not authorized to purchase Reserve Bank shares, the Reserve Bank shall accept the deposit in place of issuing shares. The bank's membership shall become effective on the date of such issuance or acceptance., (c) Location of bank - (1) General rule. For purposes of this part, a national bank or a State bank is located in the Federal Reserve District that contains the location specified in the bank's charter or organizing certificate, or as specified by the institution's primary regulator, or if no such location is specified, the location of its head office, unless otherwise determined by the Board under paragraph (c)(2) of this section., (2) Board determination. If the location of a bank as specified in paragraph (c)(1) of this section, in the judgment of the Board of Governors of the Federal Reserve System (Board), is ambiguous, would impede the ability of the Board or the Reserve Banks to perform their functions under the Federal Reserve Act, or would impede the ability of the bank to operate efficiently, the Board will determine the Federal Reserve District in which the bank is located, after consultation with the bank and the relevant Reserve Banks. The relevant Reserve Banks are the Reserve Bank whose District contains the location specified in paragraph (c)(1) of this section and the Reserve Bank in whose District the bank is proposed to be located. In making this determination, the Board will consider any applicable laws, the business needs of the bank, the location of the bank's head office, the locations where the bank performs its business, and the locations that would allow the bank, the Board, and the Reserve Banks to perform their functions efficiently and effectively.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["209"],"part_title":["PART 209 - FEDERAL RESERVE BANK CAPITAL STOCK (REGULATION I)"],"section":["209.2"],"section_title":["\u00a7 209.2 Banks desiring to become member banks."]},"_input_hash":-221175041,"_task_hash":876132236,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844436,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"(a) Application for stock or deposit. Each national bank in process of organization,3 each nonmember state bank converting into a national bank, and each nonmember state bank applying for membership in the Federal Reserve System under Regulation H, 12 CFR part 208, shall file with the Federal Reserve Bank (Reserve Bank) in whose district it is located an application for stock (or deposit in the case of mutual savings banks not authorized to purchase Reserve Bank stock 4) in the Reserve Bank. This application for stock must state whether the applicant's total consolidated assets exceed $11,229,000,000. The bank shall pay for the stock (or deposit) in accordance with \u00a7 209.4 of this part., 3 A new national bank organized by the Federal Deposit Insurance Corporation under section 11(n) of the Federal Deposit Insurance Act (12 U.S.C. 1821(n)) should not apply until in the process of issuing stock pursuant to section 11(n)(15) of that act. Reserve Bank approval of such an application shall not be effective until the issuance of a certificate by the Comptroller of the Currency pursuant to section 11(n)(16) of that act., 4 A mutual savings bank not authorized to purchase Federal Reserve Bank stock may apply for membership evidenced initially by a deposit. (See \u00a7 208.3(a) of Regulation H, 12 CFR part 208.) The membership of the savings bank shall be terminated if the laws under which it is organized are not amended to authorize such purchase at the first session of the legislature after its admission, or if it fails to purchase such stock within six months after such an amendment., (b) Issuance of stock; acceptance of deposit. Upon authorization to commence business by the Comptroller of the Currency in the case of a national bank in organization or upon approval of conversion by the Comptroller of the Currency in the case of a state nonmember bank converting to a national bank, or when all applicable requirements have been complied with in the case of a state bank approved for membership, the Reserve Bank shall issue the appropriate number of shares by crediting the bank with the appropriate number of shares on its books. In the case of a national or state member bank in organization, such issuance shall be as of the date the bank opens for business. In the case of a mutual savings bank not authorized to purchase Reserve Bank shares, the Reserve Bank shall accept the deposit in place of issuing shares. The bank's membership shall become effective on the date of such issuance or acceptance., (c) Location of bank - (1) General rule. For purposes of this part, a national bank or a State bank is located in the Federal Reserve District that contains the location specified in the bank's charter or organizing certificate, or as specified by the institution's primary regulator, or if no such location is specified, the location of its head office, unless otherwise determined by the Board under paragraph (c)(2) of this section., (2) Board determination. If the location of a bank as specified in paragraph (c)(1) of this section, in the judgment of the Board of Governors of the Federal Reserve System (Board), is ambiguous, would impede the ability of the Board or the Reserve Banks to perform their functions under the Federal Reserve Act, or would impede the ability of the bank to operate efficiently, the Board will determine the Federal Reserve District in which the bank is located, after consultation with the bank and the relevant Reserve Banks. The relevant Reserve Banks are the Reserve Bank whose District contains the location specified in paragraph (c)(1) of this section and the Reserve Bank in whose District the bank is proposed to be located. In making this determination, the Board will consider any applicable laws, the business needs of the bank, the location of the bank's head office, the locations where the bank performs its business, and the locations that would allow the bank, the Board, and the Reserve Banks to perform their functions efficiently and effectively.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["209"],"part_title":["PART 209 - FEDERAL RESERVE BANK CAPITAL STOCK (REGULATION I)"],"section":["209.2"],"section_title":["\u00a7 209.2 Banks desiring to become member banks."]},"_input_hash":-221175041,"_task_hash":876132236,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816269,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"(a) Application for stock or deposit. Each national bank in process of organization,3 each nonmember state bank converting into a national bank, and each nonmember state bank applying for membership in the Federal Reserve System under Regulation H, 12 CFR part 208, shall file with the Federal Reserve Bank (Reserve Bank) in whose district it is located an application for stock (or deposit in the case of mutual savings banks not authorized to purchase Reserve Bank stock 4) in the Reserve Bank. This application for stock must state whether the applicant's total consolidated assets exceed $11,229,000,000. The bank shall pay for the stock (or deposit) in accordance with \u00a7 209.4 of this part., 3 A new national bank organized by the Federal Deposit Insurance Corporation under section 11(n) of the Federal Deposit Insurance Act (12 U.S.C. 1821(n)) should not apply until in the process of issuing stock pursuant to section 11(n)(15) of that act. Reserve Bank approval of such an application shall not be effective until the issuance of a certificate by the Comptroller of the Currency pursuant to section 11(n)(16) of that act., 4 A mutual savings bank not authorized to purchase Federal Reserve Bank stock may apply for membership evidenced initially by a deposit. (See \u00a7 208.3(a) of Regulation H, 12 CFR part 208.) The membership of the savings bank shall be terminated if the laws under which it is organized are not amended to authorize such purchase at the first session of the legislature after its admission, or if it fails to purchase such stock within six months after such an amendment., (b) Issuance of stock; acceptance of deposit. Upon authorization to commence business by the Comptroller of the Currency in the case of a national bank in organization or upon approval of conversion by the Comptroller of the Currency in the case of a state nonmember bank converting to a national bank, or when all applicable requirements have been complied with in the case of a state bank approved for membership, the Reserve Bank shall issue the appropriate number of shares by crediting the bank with the appropriate number of shares on its books. In the case of a national or state member bank in organization, such issuance shall be as of the date the bank opens for business. In the case of a mutual savings bank not authorized to purchase Reserve Bank shares, the Reserve Bank shall accept the deposit in place of issuing shares. The bank's membership shall become effective on the date of such issuance or acceptance., (c) Location of bank - (1) General rule. For purposes of this part, a national bank or a State bank is located in the Federal Reserve District that contains the location specified in the bank's charter or organizing certificate, or as specified by the institution's primary regulator, or if no such location is specified, the location of its head office, unless otherwise determined by the Board under paragraph (c)(2) of this section., (2) Board determination. If the location of a bank as specified in paragraph (c)(1) of this section, in the judgment of the Board of Governors of the Federal Reserve System (Board), is ambiguous, would impede the ability of the Board or the Reserve Banks to perform their functions under the Federal Reserve Act, or would impede the ability of the bank to operate efficiently, the Board will determine the Federal Reserve District in which the bank is located, after consultation with the bank and the relevant Reserve Banks. The relevant Reserve Banks are the Reserve Bank whose District contains the location specified in paragraph (c)(1) of this section and the Reserve Bank in whose District the bank is proposed to be located. In making this determination, the Board will consider any applicable laws, the business needs of the bank, the location of the bank's head office, the locations where the bank performs its business, and the locations that would allow the bank, the Board, and the Reserve Banks to perform their functions efficiently and effectively.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["209"],"part_title":["PART 209 - FEDERAL RESERVE BANK CAPITAL STOCK (REGULATION I)"],"section":["209.2"],"section_title":["\u00a7 209.2 Banks desiring to become member banks."]},"_input_hash":-221175041,"_task_hash":2055012848,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711824648,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) Application for stock or deposit. Each national bank in process of organization,3 each nonmember state bank converting into a national bank, and each nonmember state bank applying for membership in the Federal Reserve System under Regulation H, 12 CFR part 208, shall file with the Federal Reserve Bank (Reserve Bank) in whose district it is located an application for stock (or deposit in the case of mutual savings banks not authorized to purchase Reserve Bank stock 4) in the Reserve Bank. This application for stock must state whether the applicant's total consolidated assets exceed $11,229,000,000. The bank shall pay for the stock (or deposit) in accordance with \u00a7 209.4 of this part., 3 A new national bank organized by the Federal Deposit Insurance Corporation under section 11(n) of the Federal Deposit Insurance Act (12 U.S.C. 1821(n)) should not apply until in the process of issuing stock pursuant to section 11(n)(15) of that act. Reserve Bank approval of such an application shall not be effective until the issuance of a certificate by the Comptroller of the Currency pursuant to section 11(n)(16) of that act., 4 A mutual savings bank not authorized to purchase Federal Reserve Bank stock may apply for membership evidenced initially by a deposit. (See \u00a7 208.3(a) of Regulation H, 12 CFR part 208.) The membership of the savings bank shall be terminated if the laws under which it is organized are not amended to authorize such purchase at the first session of the legislature after its admission, or if it fails to purchase such stock within six months after such an amendment., (b) Issuance of stock; acceptance of deposit. Upon authorization to commence business by the Comptroller of the Currency in the case of a national bank in organization or upon approval of conversion by the Comptroller of the Currency in the case of a state nonmember bank converting to a national bank, or when all applicable requirements have been complied with in the case of a state bank approved for membership, the Reserve Bank shall issue the appropriate number of shares by crediting the bank with the appropriate number of shares on its books. In the case of a national or state member bank in organization, such issuance shall be as of the date the bank opens for business. In the case of a mutual savings bank not authorized to purchase Reserve Bank shares, the Reserve Bank shall accept the deposit in place of issuing shares. The bank's membership shall become effective on the date of such issuance or acceptance., (c) Location of bank - (1) General rule. For purposes of this part, a national bank or a State bank is located in the Federal Reserve District that contains the location specified in the bank's charter or organizing certificate, or as specified by the institution's primary regulator, or if no such location is specified, the location of its head office, unless otherwise determined by the Board under paragraph (c)(2) of this section., (2) Board determination. If the location of a bank as specified in paragraph (c)(1) of this section, in the judgment of the Board of Governors of the Federal Reserve System (Board), is ambiguous, would impede the ability of the Board or the Reserve Banks to perform their functions under the Federal Reserve Act, or would impede the ability of the bank to operate efficiently, the Board will determine the Federal Reserve District in which the bank is located, after consultation with the bank and the relevant Reserve Banks. The relevant Reserve Banks are the Reserve Bank whose District contains the location specified in paragraph (c)(1) of this section and the Reserve Bank in whose District the bank is proposed to be located. In making this determination, the Board will consider any applicable laws, the business needs of the bank, the location of the bank's head office, the locations where the bank performs its business, and the locations that would allow the bank, the Board, and the Reserve Banks to perform their functions efficiently and effectively.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["209"],"part_title":["PART 209 - FEDERAL RESERVE BANK CAPITAL STOCK (REGULATION I)"],"section":["209.2"],"section_title":["\u00a7 209.2 Banks desiring to become member banks."]},"_input_hash":-221175041,"_task_hash":-1185771925,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711841487,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Each Bank annually shall provide to FHFA, on or before January 31, a Targeted Community Lending Plan., (b) Each Bank shall provide such other reports concerning its CICA programs as FHHA may request from time to time.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["E"],"subchapter_title":["SUBCHAPTER E - HOUSING GOALS AND MISSION"],"part":["1292"],"part_title":["PART 1292 - COMMUNITY INVESTMENT CASH ADVANCE PROGRAMS"],"section":["1292.6"],"section_title":["\u00a7 1292.6 Reporting."]},"_input_hash":436682072,"_task_hash":-1836361621,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844437,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Each Bank annually shall provide to FHFA, on or before January 31, a Targeted Community Lending Plan., (b) Each Bank shall provide such other reports concerning its CICA programs as FHHA may request from time to time.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["E"],"subchapter_title":["SUBCHAPTER E - HOUSING GOALS AND MISSION"],"part":["1292"],"part_title":["PART 1292 - COMMUNITY INVESTMENT CASH ADVANCE PROGRAMS"],"section":["1292.6"],"section_title":["\u00a7 1292.6 Reporting."]},"_input_hash":436682072,"_task_hash":-1836361621,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816291,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Each Bank annually shall provide to FHFA, on or before January 31, a Targeted Community Lending Plan., (b) Each Bank shall provide such other reports concerning its CICA programs as FHHA may request from time to time.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["E"],"subchapter_title":["SUBCHAPTER E - HOUSING GOALS AND MISSION"],"part":["1292"],"part_title":["PART 1292 - COMMUNITY INVESTMENT CASH ADVANCE PROGRAMS"],"section":["1292.6"],"section_title":["\u00a7 1292.6 Reporting."]},"_input_hash":436682072,"_task_hash":233952234,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711831259,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Notice of proposed reclassification based on unsafe or unsound condition or practice. When the NCUA Board proposes to reclassify a credit union or subject it to the supervisory actions applicable to the next lower net worth category pursuant to \u00a7\u00a7 702.102(b) and 702.202(d) of this chapter (each such action hereinafter referred to as \u201creclassification\u201d), the NCUA Board shall issue and serve on the credit union reasonable prior notice of the proposed reclassification. , (b) Contents of notice. A notice of intention to reclassify a credit union based on unsafe or unsound condition or practice shall state: , (1) The credit union's net worth ratio, current net worth category classification, and the net worth category to which the credit union would be reclassified; , (2) The unsafe or unsound practice(s) and/or condition(s) justifying reasons for reclassification of the credit union; , (3) The date by which the credit union must file a written response to the notice (including a request for a hearing), which date shall be no less than 14 calendar days from the date of service of the notice unless the NCUA Board determines that a shorter period is appropriate in light of the financial condition of the credit union or other relevant circumstances; and, (4) That a credit union which fails to - , (i) File a written response to the notice of reclassification, within the specified time period, shall be deemed to have waived the opportunity to respond, and to have consented to reclassification; , (ii) Request a hearing shall be deemed to have waived any right to a hearing; and , (iii) Request the opportunity to present witness testimony shall be deemed to have waived any right to present such testimony. , (c) Contents of response to notice. A credit union's response to a notice under paragraph (b) of this section must: , (1) Explain why it contends that the credit union should not be reclassified; , (2) Include any relevant information, mitigating circumstances, documentation, or other evidence in support of the credit union's position; , (3) If desired, request an informal hearing before the NCUA Board under this section; and, (4) If a hearing is requested, identify any witness whose testimony the credit union wishes to present and the general nature of each witness's expected testimony., (d) Order to hold informal hearing. Upon timely receipt of a written response that includes a request for a hearing, the NCUA Board shall issue an order commencing an informal hearing no later than 30 days after receipt of the request, unless the credit union requests a later date. The hearing shall be held in Alexandria, Virginia, or at such other place as may be designated by the NCUA Board, before a presiding officer designated by the NCUA Board to conduct the hearing and to recommend a decision., (e) Procedures for informal hearing. (1) The credit union may appear at the hearing through a representative or through counsel. The credit union shall have the right to introduce relevant documents and to present oral argument at the hearing. The credit union may introduce witness testimony only if expressly authorized by the NCUA Board or the presiding officer. Neither the provisions of the Administrative Procedure Act (5 U.S.C. 554-557) governing adjudications required by statute to be determined on the record nor the Uniform Rules of Practice and Procedure (12 CFR part 747) shall apply to an informal hearing under this section unless the NCUA Board orders otherwise., (2) The informal hearing shall be recorded, and a transcript shall be furnished to the credit union upon request and payment of the cost thereof. Witnesses need not be sworn, unless specifically requested by a party or by the presiding officer. The presiding officer may ask questions of any witness., (3) The presiding officer may order that the hearing be continued for a reasonable period following completion of witness testimony or oral argument to allow additional written submissions to the hearing record. , (4) Within 20 calendar days following the closing of the hearing and the record, the presiding officer shall make a recommendation to the NCUA Board on the proposed reclassification., (f) Time for final decision. Not later than 60 calendar days after the date the record is closed, or the date of receipt of the credit union's response in a case where no hearing was requested, the NCUA Board will decide whether to reclassify the credit union, and will notify the credit union of its decision. The decision of the NCUA Board shall be final. , (g) Request to rescind reclassification. Any credit union that has been reclassified under this section may file a written request to the NCUA Board to reconsider or rescind the reclassification, or to modify, rescind or remove any directives issued as a result of the reclassification. Unless otherwise ordered by the NCUA Board, the credit union shall remain reclassified, and subject to any directives issued as a result, while such request is pending., (h) Non-delegation. The NCUA Board may not delegate its authority to reclassify a credit union into a lower net worth category or to treat a credit union as if it were in a lower net worth category pursuant to \u00a7 702.102(b) or \u00a7 702.302(d) of this chapter.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.2003"],"section_title":["\u00a7 747.2003 Review of order reclassifying a credit union on safety and soundness criteria."]},"_input_hash":-2089452269,"_task_hash":2044517776,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844439,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"versions":[{"text":"(a) Notice of proposed reclassification based on unsafe or unsound condition or practice. When the NCUA Board proposes to reclassify a credit union or subject it to the supervisory actions applicable to the next lower net worth category pursuant to \u00a7\u00a7 702.102(b) and 702.202(d) of this chapter (each such action hereinafter referred to as \u201creclassification\u201d), the NCUA Board shall issue and serve on the credit union reasonable prior notice of the proposed reclassification. , (b) Contents of notice. A notice of intention to reclassify a credit union based on unsafe or unsound condition or practice shall state: , (1) The credit union's net worth ratio, current net worth category classification, and the net worth category to which the credit union would be reclassified; , (2) The unsafe or unsound practice(s) and/or condition(s) justifying reasons for reclassification of the credit union; , (3) The date by which the credit union must file a written response to the notice (including a request for a hearing), which date shall be no less than 14 calendar days from the date of service of the notice unless the NCUA Board determines that a shorter period is appropriate in light of the financial condition of the credit union or other relevant circumstances; and, (4) That a credit union which fails to - , (i) File a written response to the notice of reclassification, within the specified time period, shall be deemed to have waived the opportunity to respond, and to have consented to reclassification; , (ii) Request a hearing shall be deemed to have waived any right to a hearing; and , (iii) Request the opportunity to present witness testimony shall be deemed to have waived any right to present such testimony. , (c) Contents of response to notice. A credit union's response to a notice under paragraph (b) of this section must: , (1) Explain why it contends that the credit union should not be reclassified; , (2) Include any relevant information, mitigating circumstances, documentation, or other evidence in support of the credit union's position; , (3) If desired, request an informal hearing before the NCUA Board under this section; and, (4) If a hearing is requested, identify any witness whose testimony the credit union wishes to present and the general nature of each witness's expected testimony., (d) Order to hold informal hearing. Upon timely receipt of a written response that includes a request for a hearing, the NCUA Board shall issue an order commencing an informal hearing no later than 30 days after receipt of the request, unless the credit union requests a later date. The hearing shall be held in Alexandria, Virginia, or at such other place as may be designated by the NCUA Board, before a presiding officer designated by the NCUA Board to conduct the hearing and to recommend a decision., (e) Procedures for informal hearing. (1) The credit union may appear at the hearing through a representative or through counsel. The credit union shall have the right to introduce relevant documents and to present oral argument at the hearing. The credit union may introduce witness testimony only if expressly authorized by the NCUA Board or the presiding officer. Neither the provisions of the Administrative Procedure Act (5 U.S.C. 554-557) governing adjudications required by statute to be determined on the record nor the Uniform Rules of Practice and Procedure (12 CFR part 747) shall apply to an informal hearing under this section unless the NCUA Board orders otherwise., (2) The informal hearing shall be recorded, and a transcript shall be furnished to the credit union upon request and payment of the cost thereof. Witnesses need not be sworn, unless specifically requested by a party or by the presiding officer. The presiding officer may ask questions of any witness., (3) The presiding officer may order that the hearing be continued for a reasonable period following completion of witness testimony or oral argument to allow additional written submissions to the hearing record. , (4) Within 20 calendar days following the closing of the hearing and the record, the presiding officer shall make a recommendation to the NCUA Board on the proposed reclassification., (f) Time for final decision. Not later than 60 calendar days after the date the record is closed, or the date of receipt of the credit union's response in a case where no hearing was requested, the NCUA Board will decide whether to reclassify the credit union, and will notify the credit union of its decision. The decision of the NCUA Board shall be final. , (g) Request to rescind reclassification. Any credit union that has been reclassified under this section may file a written request to the NCUA Board to reconsider or rescind the reclassification, or to modify, rescind or remove any directives issued as a result of the reclassification. Unless otherwise ordered by the NCUA Board, the credit union shall remain reclassified, and subject to any directives issued as a result, while such request is pending., (h) Non-delegation. The NCUA Board may not delegate its authority to reclassify a credit union into a lower net worth category or to treat a credit union as if it were in a lower net worth category pursuant to \u00a7 702.102(b) or \u00a7 702.302(d) of this chapter.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.2003"],"section_title":["\u00a7 747.2003 Review of order reclassifying a credit union on safety and soundness criteria."]},"_input_hash":-2089452269,"_task_hash":2044517776,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816354,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\""],"default":true},{"text":"(a) Notice of proposed reclassification based on unsafe or unsound condition or practice. When the NCUA Board proposes to reclassify a credit union or subject it to the supervisory actions applicable to the next lower net worth category pursuant to \u00a7\u00a7 702.102(b) and 702.202(d) of this chapter (each such action hereinafter referred to as \u201creclassification\u201d), the NCUA Board shall issue and serve on the credit union reasonable prior notice of the proposed reclassification. , (b) Contents of notice. A notice of intention to reclassify a credit union based on unsafe or unsound condition or practice shall state: , (1) The credit union's net worth ratio, current net worth category classification, and the net worth category to which the credit union would be reclassified; , (2) The unsafe or unsound practice(s) and/or condition(s) justifying reasons for reclassification of the credit union; , (3) The date by which the credit union must file a written response to the notice (including a request for a hearing), which date shall be no less than 14 calendar days from the date of service of the notice unless the NCUA Board determines that a shorter period is appropriate in light of the financial condition of the credit union or other relevant circumstances; and, (4) That a credit union which fails to - , (i) File a written response to the notice of reclassification, within the specified time period, shall be deemed to have waived the opportunity to respond, and to have consented to reclassification; , (ii) Request a hearing shall be deemed to have waived any right to a hearing; and , (iii) Request the opportunity to present witness testimony shall be deemed to have waived any right to present such testimony. , (c) Contents of response to notice. A credit union's response to a notice under paragraph (b) of this section must: , (1) Explain why it contends that the credit union should not be reclassified; , (2) Include any relevant information, mitigating circumstances, documentation, or other evidence in support of the credit union's position; , (3) If desired, request an informal hearing before the NCUA Board under this section; and, (4) If a hearing is requested, identify any witness whose testimony the credit union wishes to present and the general nature of each witness's expected testimony., (d) Order to hold informal hearing. Upon timely receipt of a written response that includes a request for a hearing, the NCUA Board shall issue an order commencing an informal hearing no later than 30 days after receipt of the request, unless the credit union requests a later date. The hearing shall be held in Alexandria, Virginia, or at such other place as may be designated by the NCUA Board, before a presiding officer designated by the NCUA Board to conduct the hearing and to recommend a decision., (e) Procedures for informal hearing. (1) The credit union may appear at the hearing through a representative or through counsel. The credit union shall have the right to introduce relevant documents and to present oral argument at the hearing. The credit union may introduce witness testimony only if expressly authorized by the NCUA Board or the presiding officer. Neither the provisions of the Administrative Procedure Act (5 U.S.C. 554-557) governing adjudications required by statute to be determined on the record nor the Uniform Rules of Practice and Procedure (12 CFR part 747) shall apply to an informal hearing under this section unless the NCUA Board orders otherwise., (2) The informal hearing shall be recorded, and a transcript shall be furnished to the credit union upon request and payment of the cost thereof. Witnesses need not be sworn, unless specifically requested by a party or by the presiding officer. The presiding officer may ask questions of any witness., (3) The presiding officer may order that the hearing be continued for a reasonable period following completion of witness testimony or oral argument to allow additional written submissions to the hearing record. , (4) Within 20 calendar days following the closing of the hearing and the record, the presiding officer shall make a recommendation to the NCUA Board on the proposed reclassification., (f) Time for final decision. Not later than 60 calendar days after the date the record is closed, or the date of receipt of the credit union's response in a case where no hearing was requested, the NCUA Board will decide whether to reclassify the credit union, and will notify the credit union of its decision. The decision of the NCUA Board shall be final. , (g) Request to rescind reclassification. Any credit union that has been reclassified under this section may file a written request to the NCUA Board to reconsider or rescind the reclassification, or to modify, rescind or remove any directives issued as a result of the reclassification. Unless otherwise ordered by the NCUA Board, the credit union shall remain reclassified, and subject to any directives issued as a result, while such request is pending., (h) Non-delegation. The NCUA Board may not delegate its authority to reclassify a credit union into a lower net worth category or to treat a credit union as if it were in a lower net worth category pursuant to \u00a7 702.102(b) or \u00a7 702.302(d) of this chapter.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.2003"],"section_title":["\u00a7 747.2003 Review of order reclassifying a credit union on safety and soundness criteria."]},"_input_hash":-2089452269,"_task_hash":605921474,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711824721,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"(a) Notice of proposed reclassification based on unsafe or unsound condition or practice. When the NCUA Board proposes to reclassify a credit union or subject it to the supervisory actions applicable to the next lower net worth category pursuant to \u00a7\u00a7 702.102(b) and 702.202(d) of this chapter (each such action hereinafter referred to as \u201creclassification\u201d), the NCUA Board shall issue and serve on the credit union reasonable prior notice of the proposed reclassification. , (b) Contents of notice. A notice of intention to reclassify a credit union based on unsafe or unsound condition or practice shall state: , (1) The credit union's net worth ratio, current net worth category classification, and the net worth category to which the credit union would be reclassified; , (2) The unsafe or unsound practice(s) and/or condition(s) justifying reasons for reclassification of the credit union; , (3) The date by which the credit union must file a written response to the notice (including a request for a hearing), which date shall be no less than 14 calendar days from the date of service of the notice unless the NCUA Board determines that a shorter period is appropriate in light of the financial condition of the credit union or other relevant circumstances; and, (4) That a credit union which fails to - , (i) File a written response to the notice of reclassification, within the specified time period, shall be deemed to have waived the opportunity to respond, and to have consented to reclassification; , (ii) Request a hearing shall be deemed to have waived any right to a hearing; and , (iii) Request the opportunity to present witness testimony shall be deemed to have waived any right to present such testimony. , (c) Contents of response to notice. A credit union's response to a notice under paragraph (b) of this section must: , (1) Explain why it contends that the credit union should not be reclassified; , (2) Include any relevant information, mitigating circumstances, documentation, or other evidence in support of the credit union's position; , (3) If desired, request an informal hearing before the NCUA Board under this section; and, (4) If a hearing is requested, identify any witness whose testimony the credit union wishes to present and the general nature of each witness's expected testimony., (d) Order to hold informal hearing. Upon timely receipt of a written response that includes a request for a hearing, the NCUA Board shall issue an order commencing an informal hearing no later than 30 days after receipt of the request, unless the credit union requests a later date. The hearing shall be held in Alexandria, Virginia, or at such other place as may be designated by the NCUA Board, before a presiding officer designated by the NCUA Board to conduct the hearing and to recommend a decision., (e) Procedures for informal hearing. (1) The credit union may appear at the hearing through a representative or through counsel. The credit union shall have the right to introduce relevant documents and to present oral argument at the hearing. The credit union may introduce witness testimony only if expressly authorized by the NCUA Board or the presiding officer. Neither the provisions of the Administrative Procedure Act (5 U.S.C. 554-557) governing adjudications required by statute to be determined on the record nor the Uniform Rules of Practice and Procedure (12 CFR part 747) shall apply to an informal hearing under this section unless the NCUA Board orders otherwise., (2) The informal hearing shall be recorded, and a transcript shall be furnished to the credit union upon request and payment of the cost thereof. Witnesses need not be sworn, unless specifically requested by a party or by the presiding officer. The presiding officer may ask questions of any witness., (3) The presiding officer may order that the hearing be continued for a reasonable period following completion of witness testimony or oral argument to allow additional written submissions to the hearing record. , (4) Within 20 calendar days following the closing of the hearing and the record, the presiding officer shall make a recommendation to the NCUA Board on the proposed reclassification., (f) Time for final decision. Not later than 60 calendar days after the date the record is closed, or the date of receipt of the credit union's response in a case where no hearing was requested, the NCUA Board will decide whether to reclassify the credit union, and will notify the credit union of its decision. The decision of the NCUA Board shall be final. , (g) Request to rescind reclassification. Any credit union that has been reclassified under this section may file a written request to the NCUA Board to reconsider or rescind the reclassification, or to modify, rescind or remove any directives issued as a result of the reclassification. Unless otherwise ordered by the NCUA Board, the credit union shall remain reclassified, and subject to any directives issued as a result, while such request is pending., (h) Non-delegation. The NCUA Board may not delegate its authority to reclassify a credit union into a lower net worth category or to treat a credit union as if it were in a lower net worth category pursuant to \u00a7 702.102(b) or \u00a7 702.302(d) of this chapter.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.2003"],"section_title":["\u00a7 747.2003 Review of order reclassifying a credit union on safety and soundness criteria."]},"_input_hash":-2089452269,"_task_hash":-576940340,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711841579,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Adoption of conflict-of-interests policy. Each Bank shall adopt a written conflict-of-interests policy that applies to all members of its board of directors. At a minimum, the conflict-of-interests policy of each Bank shall:, (1) Require the directors to administer the affairs of the Bank fairly and impartially and without discrimination in favor of or against any member;, (2) Require independent directors to comply with \u00a7 1261.10(a);, (3) Prohibit the use of a director's official position for personal gain;, (4) Require directors to disclose actual or apparent conflicts of interests and establish procedures for addressing such conflicts;, (5) Require the establishment of internal controls to ensure that conflict-of-interests reports are made and filed and that conflict-of-interests issues are disclosed and resolved; and, (6) Establish procedures to monitor compliance with the conflict-of-interests policy., (b) Disclosure and recusal. A director shall disclose to the Bank's board of directors any financial interests he or she has, as well as any financial interests known to the director of any immediate family member or business associate of the director, in any matter to be considered by the Bank's board of directors and in any other business matter or proposed business matter involving the Bank and any other person or entity. A director shall disclose fully the nature of his or her interests in the matter and shall provide to the Bank's board of directors any information requested to aid in its consideration of the director's interest. A director shall refrain from considering or voting on any issue in which the director, any immediate family member, or any business associate has any financial interest., (c) Confidential Information. Directors shall not disclose or use confidential information they receive solely by reason of their position with the Bank to obtain any benefit for themselves or for any other individual or entity., (d) Gifts. No Bank director shall accept, and each Bank director shall discourage the director's immediate family members from accepting, any gift that the director believes or has reason to believe is given with the intent to influence the director's actions as a member of the Bank's board of directors, or where acceptance of such gift would have the appearance of intending to influence the director's actions as a member of the board. Any insubstantial gift would not be expected to trigger this prohibition., (e) Compensation. Directors shall not accept compensation for services performed for the Bank from any source other than the Bank for which the services are performed., (f) Definitions. For purposes of this section:, (1) Immediate family member means parent, sibling, spouse, child, or dependent, or any relative sharing the same residence as the director., (2) Financial interest means a direct or indirect financial interest in any activity, transaction, property, or relationship that involves receiving or providing something of monetary value, and includes, but is not limited to any right, contractual or otherwise, to the payment of money, whether contingent or fixed. It does not include a deposit or savings account maintained with a member, nor does it include a loan or extension of credit obtained from a member in the normal course of business on terms that are available generally to the public., (3) Business associate means any individual or entity with whom a director has a business relationship, including, but not limited to:, (i) Any corporation or organization of which the director is an officer or partner, or in which the director beneficially owns ten percent or more of any class of equity security, including subordinated debt;, (ii) Any other partner, officer, or beneficial owner of ten percent or more of any class of equity security, including subordinated debt, of any such corporation or organization; and, (iii) Any trust or other estate in which a director has a substantial beneficial interest or as to which the director serves as trustee or in a similar fiduciary capacity. ","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1261"],"part_title":["PART 1261 - FEDERAL HOME LOAN BANK DIRECTORS"],"section":["1261.11"],"section_title":["\u00a7 1261.11 Conflict-of-interests policy for Bank directors."]},"_input_hash":734056843,"_task_hash":-1592303185,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844442,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Adoption of conflict-of-interests policy. Each Bank shall adopt a written conflict-of-interests policy that applies to all members of its board of directors. At a minimum, the conflict-of-interests policy of each Bank shall:, (1) Require the directors to administer the affairs of the Bank fairly and impartially and without discrimination in favor of or against any member;, (2) Require independent directors to comply with \u00a7 1261.10(a);, (3) Prohibit the use of a director's official position for personal gain;, (4) Require directors to disclose actual or apparent conflicts of interests and establish procedures for addressing such conflicts;, (5) Require the establishment of internal controls to ensure that conflict-of-interests reports are made and filed and that conflict-of-interests issues are disclosed and resolved; and, (6) Establish procedures to monitor compliance with the conflict-of-interests policy., (b) Disclosure and recusal. A director shall disclose to the Bank's board of directors any financial interests he or she has, as well as any financial interests known to the director of any immediate family member or business associate of the director, in any matter to be considered by the Bank's board of directors and in any other business matter or proposed business matter involving the Bank and any other person or entity. A director shall disclose fully the nature of his or her interests in the matter and shall provide to the Bank's board of directors any information requested to aid in its consideration of the director's interest. A director shall refrain from considering or voting on any issue in which the director, any immediate family member, or any business associate has any financial interest., (c) Confidential Information. Directors shall not disclose or use confidential information they receive solely by reason of their position with the Bank to obtain any benefit for themselves or for any other individual or entity., (d) Gifts. No Bank director shall accept, and each Bank director shall discourage the director's immediate family members from accepting, any gift that the director believes or has reason to believe is given with the intent to influence the director's actions as a member of the Bank's board of directors, or where acceptance of such gift would have the appearance of intending to influence the director's actions as a member of the board. Any insubstantial gift would not be expected to trigger this prohibition., (e) Compensation. Directors shall not accept compensation for services performed for the Bank from any source other than the Bank for which the services are performed., (f) Definitions. For purposes of this section:, (1) Immediate family member means parent, sibling, spouse, child, or dependent, or any relative sharing the same residence as the director., (2) Financial interest means a direct or indirect financial interest in any activity, transaction, property, or relationship that involves receiving or providing something of monetary value, and includes, but is not limited to any right, contractual or otherwise, to the payment of money, whether contingent or fixed. It does not include a deposit or savings account maintained with a member, nor does it include a loan or extension of credit obtained from a member in the normal course of business on terms that are available generally to the public., (3) Business associate means any individual or entity with whom a director has a business relationship, including, but not limited to:, (i) Any corporation or organization of which the director is an officer or partner, or in which the director beneficially owns ten percent or more of any class of equity security, including subordinated debt;, (ii) Any other partner, officer, or beneficial owner of ten percent or more of any class of equity security, including subordinated debt, of any such corporation or organization; and, (iii) Any trust or other estate in which a director has a substantial beneficial interest or as to which the director serves as trustee or in a similar fiduciary capacity. ","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1261"],"part_title":["PART 1261 - FEDERAL HOME LOAN BANK DIRECTORS"],"section":["1261.11"],"section_title":["\u00a7 1261.11 Conflict-of-interests policy for Bank directors."]},"_input_hash":734056843,"_task_hash":-1592303185,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816368,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Adoption of conflict-of-interests policy. Each Bank shall adopt a written conflict-of-interests policy that applies to all members of its board of directors. At a minimum, the conflict-of-interests policy of each Bank shall:, (1) Require the directors to administer the affairs of the Bank fairly and impartially and without discrimination in favor of or against any member;, (2) Require independent directors to comply with \u00a7 1261.10(a);, (3) Prohibit the use of a director's official position for personal gain;, (4) Require directors to disclose actual or apparent conflicts of interests and establish procedures for addressing such conflicts;, (5) Require the establishment of internal controls to ensure that conflict-of-interests reports are made and filed and that conflict-of-interests issues are disclosed and resolved; and, (6) Establish procedures to monitor compliance with the conflict-of-interests policy., (b) Disclosure and recusal. A director shall disclose to the Bank's board of directors any financial interests he or she has, as well as any financial interests known to the director of any immediate family member or business associate of the director, in any matter to be considered by the Bank's board of directors and in any other business matter or proposed business matter involving the Bank and any other person or entity. A director shall disclose fully the nature of his or her interests in the matter and shall provide to the Bank's board of directors any information requested to aid in its consideration of the director's interest. A director shall refrain from considering or voting on any issue in which the director, any immediate family member, or any business associate has any financial interest., (c) Confidential Information. Directors shall not disclose or use confidential information they receive solely by reason of their position with the Bank to obtain any benefit for themselves or for any other individual or entity., (d) Gifts. No Bank director shall accept, and each Bank director shall discourage the director's immediate family members from accepting, any gift that the director believes or has reason to believe is given with the intent to influence the director's actions as a member of the Bank's board of directors, or where acceptance of such gift would have the appearance of intending to influence the director's actions as a member of the board. Any insubstantial gift would not be expected to trigger this prohibition., (e) Compensation. Directors shall not accept compensation for services performed for the Bank from any source other than the Bank for which the services are performed., (f) Definitions. For purposes of this section:, (1) Immediate family member means parent, sibling, spouse, child, or dependent, or any relative sharing the same residence as the director., (2) Financial interest means a direct or indirect financial interest in any activity, transaction, property, or relationship that involves receiving or providing something of monetary value, and includes, but is not limited to any right, contractual or otherwise, to the payment of money, whether contingent or fixed. It does not include a deposit or savings account maintained with a member, nor does it include a loan or extension of credit obtained from a member in the normal course of business on terms that are available generally to the public., (3) Business associate means any individual or entity with whom a director has a business relationship, including, but not limited to:, (i) Any corporation or organization of which the director is an officer or partner, or in which the director beneficially owns ten percent or more of any class of equity security, including subordinated debt;, (ii) Any other partner, officer, or beneficial owner of ten percent or more of any class of equity security, including subordinated debt, of any such corporation or organization; and, (iii) Any trust or other estate in which a director has a substantial beneficial interest or as to which the director serves as trustee or in a similar fiduciary capacity. ","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1261"],"part_title":["PART 1261 - FEDERAL HOME LOAN BANK DIRECTORS"],"section":["1261.11"],"section_title":["\u00a7 1261.11 Conflict-of-interests policy for Bank directors."]},"_input_hash":734056843,"_task_hash":82650327,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711824749,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\""],"default":false}],"view_id":"choice"}
+{"text":"(a) General rule. (1) Limits on discovery. Subject to the limitations set out in paragraphs (a)(2), (b), (d), and (e) of this section, a party to a proceeding under this part may obtain document discovery by serving upon any other party in the proceeding a written request to produce documents. For purposes of such requests, the term \u201cdocuments\u201d may be defined to include records, drawings, graphs, charts, photographs, recordings, or data stored in electronic form or other data compilations from which information can be obtained or translated, if necessary, by the parties through detection devices into reasonably usable form (e.g., electronically stored information), as well as written material of all kinds., (2) Discovery plan. (i) In the initial scheduling conference held in accordance with \u00a7 1209.36, or otherwise at the earliest practicable time, the presiding officer shall require the parties to confer in good faith to develop and submit a joint discovery plan for the timely, cost-effective management of document discovery (including, if applicable, electronically stored information). The discovery plan should provide for the coordination of similar discovery requests by multiple parties, if any, and specify how costs are to be apportioned among those parties. The discovery plan shall specify the form of electronic productions, if any. Documents are to be produced in accordance with the technical specifications described in the discovery plan., (ii) Discovery in the proceeding may commence upon the approval of the discovery plan by the presiding officer. Thereafter, the presiding officer may interpret or modify the discovery plan for good cause shown or in his or her discretion due to changed circumstances., (iii) Nothing in paragraph (a)(2) of this section shall be interpreted or deemed to require the production of documents that are privileged or not reasonably accessible because of undue burden or cost, or to require any document production otherwise inconsistent with the limitations on discovery set forth in this part., (b) Relevance and scope. (1) A party may obtain document discovery regarding any matter not privileged that is materially relevant to the charges or allowable defenses raised in the pending proceeding., (2) The scope of available discovery shall be limited in accordance with subpart C of this part. Any request for the production of documents that seeks to obtain privileged information or documents not materially relevant under paragraph (b)(1) of this section, or that is unreasonable, oppressive, excessive in scope, unduly burdensome, cumulative, or repetitive of any prior discovery requests, shall be denied or modified., (3) A request for document discovery is unreasonable, oppressive, excessive in scope, or unduly burdensome - and shall be denied or modified - if, among other things, the request:, (i) Fails to specify justifiable limitations on the relevant subject matter, time period covered, search parameters, or the geographic location(s) or data repositories to be searched;, (ii) Fails to identify documents with sufficient specificity;, (iii) Seeks material that is duplicative, cumulative, or obtainable from another source that is more accessible, cost-effective, or less burdensome;, (iv) Calls for the production of documents to be delivered to the requesting party or his or her designee and fails to provide a written agreement by the requestor to pay in advance for the costs of production in accordance with \u00a7 1209.30, or otherwise fails to take into account costs associated with processing electronically stored information or any cost-sharing agreements between the parties;, (v) Fails to afford the responding party adequate time to respond; or, (vi) Fails to take into account retention policies or security protocols with respect to Federal information systems., (c) Forms of discovery. Discovery shall be limited to requests for production of documents for inspection and copying. No other form of discovery shall be allowed. Discovery by use of interrogatories is not permitted. This paragraph shall not be interpreted to require the creation of a document., (d) Privileged matter. (1) Privileged documents are not discoverable. (i) Privileges include the attorney-client privilege, work-product privilege, any government's or government agency's deliberative process privilege, and any other privileges provided by the Constitution, any applicable act of Congress, or the principles of common law., (ii) The parties may enter into a written agreement to permit a producing party to assert applicable privileges of a document even after its production and to request the return or destruction of privileged matter (claw back agreement). The parties shall file the claw back agreement with the presiding officer. To ensure the enforceability of the terms of any such claw back agreement, the presiding officer shall enter an order. Any party may petition the presiding officer for an order specifying claw back procedures for good cause shown., (2) No effect on examination authority. The limitations on discoverable matter provided for in this part are not intended and shall not be construed to limit or otherwise affect the examination, regulatory or supervisory authority of FHFA., (e) Time limits. All discovery matters, including all responses to discovery requests, shall be completed at least 20 days prior to the date scheduled for the commencement of the testimonial phase of the hearing. No exception to this discovery time limit shall be permitted, unless the presiding officer finds on the record that good cause exists for waiving the 20-day requirement of this paragraph., (f) Production. Documents must be produced as they are kept in the usual course of business, or labeled and organized to correspond with the categories in the request, or otherwise produced in a manner determined by mutual agreement between the requesting party and the party or non-party to whom the request is directed in accordance with this part.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1209"],"part_title":["PART 1209 - RULES OF PRACTICE AND PROCEDURE"],"section":["1209.29"],"section_title":["\u00a7 1209.29 Discovery."]},"_input_hash":-846348490,"_task_hash":-1640113841,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816531,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) General rule. (1) Limits on discovery. Subject to the limitations set out in paragraphs (a)(2), (b), (d), and (e) of this section, a party to a proceeding under this part may obtain document discovery by serving upon any other party in the proceeding a written request to produce documents. For purposes of such requests, the term \u201cdocuments\u201d may be defined to include records, drawings, graphs, charts, photographs, recordings, or data stored in electronic form or other data compilations from which information can be obtained or translated, if necessary, by the parties through detection devices into reasonably usable form (e.g., electronically stored information), as well as written material of all kinds., (2) Discovery plan. (i) In the initial scheduling conference held in accordance with \u00a7 1209.36, or otherwise at the earliest practicable time, the presiding officer shall require the parties to confer in good faith to develop and submit a joint discovery plan for the timely, cost-effective management of document discovery (including, if applicable, electronically stored information). The discovery plan should provide for the coordination of similar discovery requests by multiple parties, if any, and specify how costs are to be apportioned among those parties. The discovery plan shall specify the form of electronic productions, if any. Documents are to be produced in accordance with the technical specifications described in the discovery plan., (ii) Discovery in the proceeding may commence upon the approval of the discovery plan by the presiding officer. Thereafter, the presiding officer may interpret or modify the discovery plan for good cause shown or in his or her discretion due to changed circumstances., (iii) Nothing in paragraph (a)(2) of this section shall be interpreted or deemed to require the production of documents that are privileged or not reasonably accessible because of undue burden or cost, or to require any document production otherwise inconsistent with the limitations on discovery set forth in this part., (b) Relevance and scope. (1) A party may obtain document discovery regarding any matter not privileged that is materially relevant to the charges or allowable defenses raised in the pending proceeding., (2) The scope of available discovery shall be limited in accordance with subpart C of this part. Any request for the production of documents that seeks to obtain privileged information or documents not materially relevant under paragraph (b)(1) of this section, or that is unreasonable, oppressive, excessive in scope, unduly burdensome, cumulative, or repetitive of any prior discovery requests, shall be denied or modified., (3) A request for document discovery is unreasonable, oppressive, excessive in scope, or unduly burdensome - and shall be denied or modified - if, among other things, the request:, (i) Fails to specify justifiable limitations on the relevant subject matter, time period covered, search parameters, or the geographic location(s) or data repositories to be searched;, (ii) Fails to identify documents with sufficient specificity;, (iii) Seeks material that is duplicative, cumulative, or obtainable from another source that is more accessible, cost-effective, or less burdensome;, (iv) Calls for the production of documents to be delivered to the requesting party or his or her designee and fails to provide a written agreement by the requestor to pay in advance for the costs of production in accordance with \u00a7 1209.30, or otherwise fails to take into account costs associated with processing electronically stored information or any cost-sharing agreements between the parties;, (v) Fails to afford the responding party adequate time to respond; or, (vi) Fails to take into account retention policies or security protocols with respect to Federal information systems., (c) Forms of discovery. Discovery shall be limited to requests for production of documents for inspection and copying. No other form of discovery shall be allowed. Discovery by use of interrogatories is not permitted. This paragraph shall not be interpreted to require the creation of a document., (d) Privileged matter. (1) Privileged documents are not discoverable. (i) Privileges include the attorney-client privilege, work-product privilege, any government's or government agency's deliberative process privilege, and any other privileges provided by the Constitution, any applicable act of Congress, or the principles of common law., (ii) The parties may enter into a written agreement to permit a producing party to assert applicable privileges of a document even after its production and to request the return or destruction of privileged matter (claw back agreement). The parties shall file the claw back agreement with the presiding officer. To ensure the enforceability of the terms of any such claw back agreement, the presiding officer shall enter an order. Any party may petition the presiding officer for an order specifying claw back procedures for good cause shown., (2) No effect on examination authority. The limitations on discoverable matter provided for in this part are not intended and shall not be construed to limit or otherwise affect the examination, regulatory or supervisory authority of FHFA., (e) Time limits. All discovery matters, including all responses to discovery requests, shall be completed at least 20 days prior to the date scheduled for the commencement of the testimonial phase of the hearing. No exception to this discovery time limit shall be permitted, unless the presiding officer finds on the record that good cause exists for waiving the 20-day requirement of this paragraph., (f) Production. Documents must be produced as they are kept in the usual course of business, or labeled and organized to correspond with the categories in the request, or otherwise produced in a manner determined by mutual agreement between the requesting party and the party or non-party to whom the request is directed in accordance with this part.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1209"],"part_title":["PART 1209 - RULES OF PRACTICE AND PROCEDURE"],"section":["1209.29"],"section_title":["\u00a7 1209.29 Discovery."]},"_input_hash":-846348490,"_task_hash":-1640113841,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816531,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"Any bank which refers any applicants to a controlled entity and which purchases any covered loan as defined in Regulation C of the Bureau of Consumer Financial Protection (12 CFR part 1003) originated by the controlled entity, as a condition to transacting any business with the controlled entity, shall require the controlled entity to enter into a written agreement with the bank. The written agreement shall provide that the entity shall:, (a) Comply with the requirements of \u00a7\u00a7 338.3, 338.4, and 338.7, and, if otherwise subject to Regulation C of the Bureau of Consumer Financial Protection (12 CFR part 1003), \u00a7 338.8;, (b) Open its books and records to examination by the Federal Deposit Insurance Corporation; and, (c) Comply with all instructions and orders issued by the Federal Deposit Insurance Corporation with respect to its home loan practices.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["338"],"part_title":["PART 338 - FAIR HOUSING"],"section":["338.9"],"section_title":["\u00a7 338.9 Mortgage lending of a controlled entity."]},"_input_hash":997877442,"_task_hash":541482922,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844448,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"versions":[{"text":"Any bank which refers any applicants to a controlled entity and which purchases any covered loan as defined in Regulation C of the Bureau of Consumer Financial Protection (12 CFR part 1003) originated by the controlled entity, as a condition to transacting any business with the controlled entity, shall require the controlled entity to enter into a written agreement with the bank. The written agreement shall provide that the entity shall:, (a) Comply with the requirements of \u00a7\u00a7 338.3, 338.4, and 338.7, and, if otherwise subject to Regulation C of the Bureau of Consumer Financial Protection (12 CFR part 1003), \u00a7 338.8;, (b) Open its books and records to examination by the Federal Deposit Insurance Corporation; and, (c) Comply with all instructions and orders issued by the Federal Deposit Insurance Corporation with respect to its home loan practices.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["338"],"part_title":["PART 338 - FAIR HOUSING"],"section":["338.9"],"section_title":["\u00a7 338.9 Mortgage lending of a controlled entity."]},"_input_hash":997877442,"_task_hash":-1889235186,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816388,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"Any bank which refers any applicants to a controlled entity and which purchases any covered loan as defined in Regulation C of the Bureau of Consumer Financial Protection (12 CFR part 1003) originated by the controlled entity, as a condition to transacting any business with the controlled entity, shall require the controlled entity to enter into a written agreement with the bank. The written agreement shall provide that the entity shall:, (a) Comply with the requirements of \u00a7\u00a7 338.3, 338.4, and 338.7, and, if otherwise subject to Regulation C of the Bureau of Consumer Financial Protection (12 CFR part 1003), \u00a7 338.8;, (b) Open its books and records to examination by the Federal Deposit Insurance Corporation; and, (c) Comply with all instructions and orders issued by the Federal Deposit Insurance Corporation with respect to its home loan practices.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["338"],"part_title":["PART 338 - FAIR HOUSING"],"section":["338.9"],"section_title":["\u00a7 338.9 Mortgage lending of a controlled entity."]},"_input_hash":997877442,"_task_hash":541482922,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711824766,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"default":true},{"text":"Any bank which refers any applicants to a controlled entity and which purchases any covered loan as defined in Regulation C of the Bureau of Consumer Financial Protection (12 CFR part 1003) originated by the controlled entity, as a condition to transacting any business with the controlled entity, shall require the controlled entity to enter into a written agreement with the bank. The written agreement shall provide that the entity shall:, (a) Comply with the requirements of \u00a7\u00a7 338.3, 338.4, and 338.7, and, if otherwise subject to Regulation C of the Bureau of Consumer Financial Protection (12 CFR part 1003), \u00a7 338.8;, (b) Open its books and records to examination by the Federal Deposit Insurance Corporation; and, (c) Comply with all instructions and orders issued by the Federal Deposit Insurance Corporation with respect to its home loan practices.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["338"],"part_title":["PART 338 - FAIR HOUSING"],"section":["338.9"],"section_title":["\u00a7 338.9 Mortgage lending of a controlled entity."]},"_input_hash":997877442,"_task_hash":1788273926,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711831267,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"A charge that any bank or labor organization, or agents or representatives of a bank or labor organization, has engaged in or is engaging in any act prohibited under \u00a7 269.6 of the policy or has failed to take any action required by \u00a7 269.6 of the policy may be filed by any party in interest, or its representative, within 60 days after the alleged violations or within 60 days after the charging party has become or should have become aware of the alleged violation. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["269b"],"part_title":["PART 269b - CHARGES OF UNFAIR LABOR PRACTICES"],"section":["269b.110"],"section_title":["\u00a7 269b.110 Charges."]},"_input_hash":767579221,"_task_hash":-1033232811,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844449,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"A charge that any bank or labor organization, or agents or representatives of a bank or labor organization, has engaged in or is engaging in any act prohibited under \u00a7 269.6 of the policy or has failed to take any action required by \u00a7 269.6 of the policy may be filed by any party in interest, or its representative, within 60 days after the alleged violations or within 60 days after the charging party has become or should have become aware of the alleged violation. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["269b"],"part_title":["PART 269b - CHARGES OF UNFAIR LABOR PRACTICES"],"section":["269b.110"],"section_title":["\u00a7 269b.110 Charges."]},"_input_hash":767579221,"_task_hash":-1033232811,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816397,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"A charge that any bank or labor organization, or agents or representatives of a bank or labor organization, has engaged in or is engaging in any act prohibited under \u00a7 269.6 of the policy or has failed to take any action required by \u00a7 269.6 of the policy may be filed by any party in interest, or its representative, within 60 days after the alleged violations or within 60 days after the charging party has become or should have become aware of the alleged violation. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["269b"],"part_title":["PART 269b - CHARGES OF UNFAIR LABOR PRACTICES"],"section":["269b.110"],"section_title":["\u00a7 269b.110 Charges."]},"_input_hash":767579221,"_task_hash":-824812330,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711831275,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false},{"text":"A charge that any bank or labor organization, or agents or representatives of a bank or labor organization, has engaged in or is engaging in any act prohibited under \u00a7 269.6 of the policy or has failed to take any action required by \u00a7 269.6 of the policy may be filed by any party in interest, or its representative, within 60 days after the alleged violations or within 60 days after the charging party has become or should have become aware of the alleged violation. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["269b"],"part_title":["PART 269b - CHARGES OF UNFAIR LABOR PRACTICES"],"section":["269b.110"],"section_title":["\u00a7 269b.110 Charges."]},"_input_hash":767579221,"_task_hash":-2098413798,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711841669,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"Within 15 days after service of the recommended decision, findings, conclusions, and proposed order, the applicant or counsel for NCUA may file with the NCUA Board written exceptions thereto. A supporting brief may also be filed. The NCUA Board shall render its decision within 60 days after the matter is submitted to it. The NCUA Board shall furnish copies of its decision and order to the parties. Judicial review of the NCUA Board's final decision and order may be obtained as provided in 5 U.S.C. 504(c)(2).","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.615"],"section_title":["\u00a7 747.615 Decision of the NCUA Board."]},"_input_hash":-1334469844,"_task_hash":891254811,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844452,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"tyler\""],"versions":[{"text":"Within 15 days after service of the recommended decision, findings, conclusions, and proposed order, the applicant or counsel for NCUA may file with the NCUA Board written exceptions thereto. A supporting brief may also be filed. The NCUA Board shall render its decision within 60 days after the matter is submitted to it. The NCUA Board shall furnish copies of its decision and order to the parties. Judicial review of the NCUA Board's final decision and order may be obtained as provided in 5 U.S.C. 504(c)(2).","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.615"],"section_title":["\u00a7 747.615 Decision of the NCUA Board."]},"_input_hash":-1334469844,"_task_hash":388405335,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816491,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"Within 15 days after service of the recommended decision, findings, conclusions, and proposed order, the applicant or counsel for NCUA may file with the NCUA Board written exceptions thereto. A supporting brief may also be filed. The NCUA Board shall render its decision within 60 days after the matter is submitted to it. The NCUA Board shall furnish copies of its decision and order to the parties. Judicial review of the NCUA Board's final decision and order may be obtained as provided in 5 U.S.C. 504(c)(2).","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.615"],"section_title":["\u00a7 747.615 Decision of the NCUA Board."]},"_input_hash":-1334469844,"_task_hash":1517913549,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711824826,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false},{"text":"Within 15 days after service of the recommended decision, findings, conclusions, and proposed order, the applicant or counsel for NCUA may file with the NCUA Board written exceptions thereto. A supporting brief may also be filed. The NCUA Board shall render its decision within 60 days after the matter is submitted to it. The NCUA Board shall furnish copies of its decision and order to the parties. Judicial review of the NCUA Board's final decision and order may be obtained as provided in 5 U.S.C. 504(c)(2).","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.615"],"section_title":["\u00a7 747.615 Decision of the NCUA Board."]},"_input_hash":-1334469844,"_task_hash":891254811,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711831277,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"tyler\""],"default":true}],"view_id":"choice"}
+{"text":"The Secretary of the Board (or the Secretary's delegee) is authorized:, (a) Procedure - (1) Extension of time period for public participation in proposed regulations. To extend, when appropriate under the Board's Rules of Procedure (12 CFR 262.2 (a) and (b)), the time period for public participation with respect to proposed regulations of the Board. , (2) Extension of time period in notices, orders, rules, or regulations. (i) To grant or deny requests to extend any time period in any notice, order, rule, or regulation of the Board relating to filing information, comments, opposition, briefs, exceptions, or other matters, in connection with any application, request or petition for the Board's approval, authority, determination, or permission, or any other action by the Board. , (ii) Notwithstanding \u00a7 265.3 of this part, no person claiming to be adversely affected by any such extension of time by the Secretary shall have the right to petition the Board or any Board member for review or reconsideration of the extension. , (3) Conforming citations and references in Board rules and regulations. (i) To conform references to administrative positions or units in Board rules and regulations with changes in the administrative structure of the Board and in the government and agencies of the United States. , (ii) To conform citations and references in Board rules and regulations with other regulatory or statutory changes adopted or promulgated by the Board or by the government or agencies of the United States. , (4) Technical corrections in Board rules and regulations. To make technical corrections, such as spelling, grammar, construction, and organization (including removal of obsolete provisions and consolidation of related provisions), to the Board's rules, regulations, and orders and other records of Board action but only with the concurrence of the Board's General Counsel. , (b) Availability of information - (1) FOIA requests. To make available, upon request, information in Board records and consider requests for confidential treatment of information in Board records under the Freedom of Information Act (5 U.S.C. 552) and under the Board's Rules Regarding Availability of Information (12 CFR part 261). , (2) Review of denial of access to Board records; FOIA. To review and determine an appeal of denial of access to Board records under the Freedom of Information Act (5 U.S.C. 552), the Privacy Act (5 U.S.C. 552a), and the Board's rules regarding such access (12 CFR parts 261 and 261a, respectively)., (3) Annual reports on Privacy Act. To approve annual reports required by the Privacy Act (5 U.S.C. 552a(p)) from the Board to the Office of Management and Budget for inclusion in the President's annual consolidated report to Congress. , (4) Report on prime rate of commercial banks. To determine and report, under 26 U.S.C. (IRC) 6621, to the Secretary of the Treasury the average predominant prime rate quoted by commercial banks to large businesses. , (c) Bank holding companies; Change in bank control; Mergers - (1) Reports on competitive factors in bank mergers. To furnish reports on competitive factors involved in a bank merger to the Comptroller of the Currency and the Federal Deposit Insurance Corporation under the provisions of the Federal Deposit Insurance Act (12 U.S.C. 1828(c)); The Bank Holding Company Act (12 U.S.C. 1842(a), 1843(c)(14)); the Bank Service Corporation Act (12 U.S.C. 1865(a), (b), 1867(d)); the Change in Bank Control Act (12 U.S.C. 1817(j)); and the Federal Reserve Act (12 U.S.C. 321 et seq., 601-604a, 611 et seq.)., (2) Reserve Bank director interlocks. To take actions the Reserve Bank could take except for the fact that the Reserve Bank may not act because a director, senior officer, or principal shareholder of any holding company, bank, or company involved in the transaction is a director of that Reserve Bank or branch of the Reserve Bank. , (3) Application approval under section 5(d)(3) of the FDI Act. To approve applications pursuant to section 5(d)(3) of the Federal Deposit Insurance Act (12 U.S.C. 1815(d)(3)), in those cases in which the appropriate Federal Reserve Bank concludes that, because of unusual considerations, or for other good cause, it should not take action., (d) International banking. (1) Reserved, (2) Acquisition of foreign company or U.S. company financing exports. To grant, under sections 25 and 25A of the Federal Reserve Act (12 U.S.C. 601 and 604) and section 4(c)(13) of the Bank Holding Company Act (12 U.S.C. 1843(c)(13)) and the Board's Regulations K and Y (12 CFR parts 211 and 225), specific consent to the acquisition, either directly or indirectly, by a member bank, an Edge or Agreement corporation, or a bank holding company of stock of a company chartered under the laws of a foreign country or a company chartered under the laws of a state of the United States that is organized and operated for the purpose of financing exports from the United States, and to approve any such acquisition that may exceed the limitations of section 25A of the Federal Reserve Act based on the company's capital and surplus, if all of the following conditions are met:, (i) The appropriate Reserve Bank and all relevant divisions of the Board's staff recommend approval;, (ii) No significant policy issue is raised on which the Board has not expressed its view;, (iii) The acquisition does not result, either directly or indirectly, in the bank, corporation, or bank holding company acquiring effective control of the company, except that this condition need not be met if:, (A) The company is to perform nominee, fiduciary, or other services incidental to the activities of a foreign branch or affiliate of the bank holding company, or corporation; or, (B) The stock is being acquired from the parent bank or bank holding company, or subsidiary Edge or Agreement corporation, as the case may be, and the selling parent or subsidiary holds the stock with the consent of the Board pursuant to Regulations K and Y (12 CFR parts 211 and 225)., (3) Reserved, (e) Member banks - (1) Waiver of penalty for early withdrawals of time deposits. To permit depository institutions to waive the penalty for early withdrawal of time deposits under section 19(j) of the Federal Reserve Act (12 U.S.C. 371b) and \u00a7 204.2 of Regulation D (12 CFR part 204) if the following conditions are met:, (i) The President declares an area of major disaster or emergency area pursuant to section 301 of the Disaster Relief Act of 1974 (42 U.S.C. 5141);, (ii) The waiver is limited to depositors suffering disaster or emergency related losses in the officially designated area; and, (iii) The appropriate Reserve Bank and all relevant divisions of the Board's staff recommend approval., (2) Reserved, (f) Location of institution. To determine the Federal Reserve District in which an institution is located pursuant to \u00a7 204.3(b)(2)(ii) of Regulation D (12 CFR part 204) or \u00a7 209.15(b) of Regulation I (12 CFR part 209) if:, (1) The relevant Federal Reserve Banks and the institution agree on the specific Reserve Bank in which the institution should hold stock or with which the institution should maintain reserve balances; and, (2) The agreed-upon location does not raise any significant policy issues.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["265"],"part_title":["PART 265 - RULES REGARDING DELEGATION OF AUTHORITY"],"section":["265.5"],"section_title":["\u00a7 265.5 Functions delegated to Secretary of the Board."]},"_input_hash":-1916311484,"_task_hash":-2035595763,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844454,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"The Secretary of the Board (or the Secretary's delegee) is authorized:, (a) Procedure - (1) Extension of time period for public participation in proposed regulations. To extend, when appropriate under the Board's Rules of Procedure (12 CFR 262.2 (a) and (b)), the time period for public participation with respect to proposed regulations of the Board. , (2) Extension of time period in notices, orders, rules, or regulations. (i) To grant or deny requests to extend any time period in any notice, order, rule, or regulation of the Board relating to filing information, comments, opposition, briefs, exceptions, or other matters, in connection with any application, request or petition for the Board's approval, authority, determination, or permission, or any other action by the Board. , (ii) Notwithstanding \u00a7 265.3 of this part, no person claiming to be adversely affected by any such extension of time by the Secretary shall have the right to petition the Board or any Board member for review or reconsideration of the extension. , (3) Conforming citations and references in Board rules and regulations. (i) To conform references to administrative positions or units in Board rules and regulations with changes in the administrative structure of the Board and in the government and agencies of the United States. , (ii) To conform citations and references in Board rules and regulations with other regulatory or statutory changes adopted or promulgated by the Board or by the government or agencies of the United States. , (4) Technical corrections in Board rules and regulations. To make technical corrections, such as spelling, grammar, construction, and organization (including removal of obsolete provisions and consolidation of related provisions), to the Board's rules, regulations, and orders and other records of Board action but only with the concurrence of the Board's General Counsel. , (b) Availability of information - (1) FOIA requests. To make available, upon request, information in Board records and consider requests for confidential treatment of information in Board records under the Freedom of Information Act (5 U.S.C. 552) and under the Board's Rules Regarding Availability of Information (12 CFR part 261). , (2) Review of denial of access to Board records; FOIA. To review and determine an appeal of denial of access to Board records under the Freedom of Information Act (5 U.S.C. 552), the Privacy Act (5 U.S.C. 552a), and the Board's rules regarding such access (12 CFR parts 261 and 261a, respectively)., (3) Annual reports on Privacy Act. To approve annual reports required by the Privacy Act (5 U.S.C. 552a(p)) from the Board to the Office of Management and Budget for inclusion in the President's annual consolidated report to Congress. , (4) Report on prime rate of commercial banks. To determine and report, under 26 U.S.C. (IRC) 6621, to the Secretary of the Treasury the average predominant prime rate quoted by commercial banks to large businesses. , (c) Bank holding companies; Change in bank control; Mergers - (1) Reports on competitive factors in bank mergers. To furnish reports on competitive factors involved in a bank merger to the Comptroller of the Currency and the Federal Deposit Insurance Corporation under the provisions of the Federal Deposit Insurance Act (12 U.S.C. 1828(c)); The Bank Holding Company Act (12 U.S.C. 1842(a), 1843(c)(14)); the Bank Service Corporation Act (12 U.S.C. 1865(a), (b), 1867(d)); the Change in Bank Control Act (12 U.S.C. 1817(j)); and the Federal Reserve Act (12 U.S.C. 321 et seq., 601-604a, 611 et seq.)., (2) Reserve Bank director interlocks. To take actions the Reserve Bank could take except for the fact that the Reserve Bank may not act because a director, senior officer, or principal shareholder of any holding company, bank, or company involved in the transaction is a director of that Reserve Bank or branch of the Reserve Bank. , (3) Application approval under section 5(d)(3) of the FDI Act. To approve applications pursuant to section 5(d)(3) of the Federal Deposit Insurance Act (12 U.S.C. 1815(d)(3)), in those cases in which the appropriate Federal Reserve Bank concludes that, because of unusual considerations, or for other good cause, it should not take action., (d) International banking. (1) Reserved, (2) Acquisition of foreign company or U.S. company financing exports. To grant, under sections 25 and 25A of the Federal Reserve Act (12 U.S.C. 601 and 604) and section 4(c)(13) of the Bank Holding Company Act (12 U.S.C. 1843(c)(13)) and the Board's Regulations K and Y (12 CFR parts 211 and 225), specific consent to the acquisition, either directly or indirectly, by a member bank, an Edge or Agreement corporation, or a bank holding company of stock of a company chartered under the laws of a foreign country or a company chartered under the laws of a state of the United States that is organized and operated for the purpose of financing exports from the United States, and to approve any such acquisition that may exceed the limitations of section 25A of the Federal Reserve Act based on the company's capital and surplus, if all of the following conditions are met:, (i) The appropriate Reserve Bank and all relevant divisions of the Board's staff recommend approval;, (ii) No significant policy issue is raised on which the Board has not expressed its view;, (iii) The acquisition does not result, either directly or indirectly, in the bank, corporation, or bank holding company acquiring effective control of the company, except that this condition need not be met if:, (A) The company is to perform nominee, fiduciary, or other services incidental to the activities of a foreign branch or affiliate of the bank holding company, or corporation; or, (B) The stock is being acquired from the parent bank or bank holding company, or subsidiary Edge or Agreement corporation, as the case may be, and the selling parent or subsidiary holds the stock with the consent of the Board pursuant to Regulations K and Y (12 CFR parts 211 and 225)., (3) Reserved, (e) Member banks - (1) Waiver of penalty for early withdrawals of time deposits. To permit depository institutions to waive the penalty for early withdrawal of time deposits under section 19(j) of the Federal Reserve Act (12 U.S.C. 371b) and \u00a7 204.2 of Regulation D (12 CFR part 204) if the following conditions are met:, (i) The President declares an area of major disaster or emergency area pursuant to section 301 of the Disaster Relief Act of 1974 (42 U.S.C. 5141);, (ii) The waiver is limited to depositors suffering disaster or emergency related losses in the officially designated area; and, (iii) The appropriate Reserve Bank and all relevant divisions of the Board's staff recommend approval., (2) Reserved, (f) Location of institution. To determine the Federal Reserve District in which an institution is located pursuant to \u00a7 204.3(b)(2)(ii) of Regulation D (12 CFR part 204) or \u00a7 209.15(b) of Regulation I (12 CFR part 209) if:, (1) The relevant Federal Reserve Banks and the institution agree on the specific Reserve Bank in which the institution should hold stock or with which the institution should maintain reserve balances; and, (2) The agreed-upon location does not raise any significant policy issues.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["265"],"part_title":["PART 265 - RULES REGARDING DELEGATION OF AUTHORITY"],"section":["265.5"],"section_title":["\u00a7 265.5 Functions delegated to Secretary of the Board."]},"_input_hash":-1916311484,"_task_hash":-2035595763,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816514,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"The Secretary of the Board (or the Secretary's delegee) is authorized:, (a) Procedure - (1) Extension of time period for public participation in proposed regulations. To extend, when appropriate under the Board's Rules of Procedure (12 CFR 262.2 (a) and (b)), the time period for public participation with respect to proposed regulations of the Board. , (2) Extension of time period in notices, orders, rules, or regulations. (i) To grant or deny requests to extend any time period in any notice, order, rule, or regulation of the Board relating to filing information, comments, opposition, briefs, exceptions, or other matters, in connection with any application, request or petition for the Board's approval, authority, determination, or permission, or any other action by the Board. , (ii) Notwithstanding \u00a7 265.3 of this part, no person claiming to be adversely affected by any such extension of time by the Secretary shall have the right to petition the Board or any Board member for review or reconsideration of the extension. , (3) Conforming citations and references in Board rules and regulations. (i) To conform references to administrative positions or units in Board rules and regulations with changes in the administrative structure of the Board and in the government and agencies of the United States. , (ii) To conform citations and references in Board rules and regulations with other regulatory or statutory changes adopted or promulgated by the Board or by the government or agencies of the United States. , (4) Technical corrections in Board rules and regulations. To make technical corrections, such as spelling, grammar, construction, and organization (including removal of obsolete provisions and consolidation of related provisions), to the Board's rules, regulations, and orders and other records of Board action but only with the concurrence of the Board's General Counsel. , (b) Availability of information - (1) FOIA requests. To make available, upon request, information in Board records and consider requests for confidential treatment of information in Board records under the Freedom of Information Act (5 U.S.C. 552) and under the Board's Rules Regarding Availability of Information (12 CFR part 261). , (2) Review of denial of access to Board records; FOIA. To review and determine an appeal of denial of access to Board records under the Freedom of Information Act (5 U.S.C. 552), the Privacy Act (5 U.S.C. 552a), and the Board's rules regarding such access (12 CFR parts 261 and 261a, respectively)., (3) Annual reports on Privacy Act. To approve annual reports required by the Privacy Act (5 U.S.C. 552a(p)) from the Board to the Office of Management and Budget for inclusion in the President's annual consolidated report to Congress. , (4) Report on prime rate of commercial banks. To determine and report, under 26 U.S.C. (IRC) 6621, to the Secretary of the Treasury the average predominant prime rate quoted by commercial banks to large businesses. , (c) Bank holding companies; Change in bank control; Mergers - (1) Reports on competitive factors in bank mergers. To furnish reports on competitive factors involved in a bank merger to the Comptroller of the Currency and the Federal Deposit Insurance Corporation under the provisions of the Federal Deposit Insurance Act (12 U.S.C. 1828(c)); The Bank Holding Company Act (12 U.S.C. 1842(a), 1843(c)(14)); the Bank Service Corporation Act (12 U.S.C. 1865(a), (b), 1867(d)); the Change in Bank Control Act (12 U.S.C. 1817(j)); and the Federal Reserve Act (12 U.S.C. 321 et seq., 601-604a, 611 et seq.)., (2) Reserve Bank director interlocks. To take actions the Reserve Bank could take except for the fact that the Reserve Bank may not act because a director, senior officer, or principal shareholder of any holding company, bank, or company involved in the transaction is a director of that Reserve Bank or branch of the Reserve Bank. , (3) Application approval under section 5(d)(3) of the FDI Act. To approve applications pursuant to section 5(d)(3) of the Federal Deposit Insurance Act (12 U.S.C. 1815(d)(3)), in those cases in which the appropriate Federal Reserve Bank concludes that, because of unusual considerations, or for other good cause, it should not take action., (d) International banking. (1) Reserved, (2) Acquisition of foreign company or U.S. company financing exports. To grant, under sections 25 and 25A of the Federal Reserve Act (12 U.S.C. 601 and 604) and section 4(c)(13) of the Bank Holding Company Act (12 U.S.C. 1843(c)(13)) and the Board's Regulations K and Y (12 CFR parts 211 and 225), specific consent to the acquisition, either directly or indirectly, by a member bank, an Edge or Agreement corporation, or a bank holding company of stock of a company chartered under the laws of a foreign country or a company chartered under the laws of a state of the United States that is organized and operated for the purpose of financing exports from the United States, and to approve any such acquisition that may exceed the limitations of section 25A of the Federal Reserve Act based on the company's capital and surplus, if all of the following conditions are met:, (i) The appropriate Reserve Bank and all relevant divisions of the Board's staff recommend approval;, (ii) No significant policy issue is raised on which the Board has not expressed its view;, (iii) The acquisition does not result, either directly or indirectly, in the bank, corporation, or bank holding company acquiring effective control of the company, except that this condition need not be met if:, (A) The company is to perform nominee, fiduciary, or other services incidental to the activities of a foreign branch or affiliate of the bank holding company, or corporation; or, (B) The stock is being acquired from the parent bank or bank holding company, or subsidiary Edge or Agreement corporation, as the case may be, and the selling parent or subsidiary holds the stock with the consent of the Board pursuant to Regulations K and Y (12 CFR parts 211 and 225)., (3) Reserved, (e) Member banks - (1) Waiver of penalty for early withdrawals of time deposits. To permit depository institutions to waive the penalty for early withdrawal of time deposits under section 19(j) of the Federal Reserve Act (12 U.S.C. 371b) and \u00a7 204.2 of Regulation D (12 CFR part 204) if the following conditions are met:, (i) The President declares an area of major disaster or emergency area pursuant to section 301 of the Disaster Relief Act of 1974 (42 U.S.C. 5141);, (ii) The waiver is limited to depositors suffering disaster or emergency related losses in the officially designated area; and, (iii) The appropriate Reserve Bank and all relevant divisions of the Board's staff recommend approval., (2) Reserved, (f) Location of institution. To determine the Federal Reserve District in which an institution is located pursuant to \u00a7 204.3(b)(2)(ii) of Regulation D (12 CFR part 204) or \u00a7 209.15(b) of Regulation I (12 CFR part 209) if:, (1) The relevant Federal Reserve Banks and the institution agree on the specific Reserve Bank in which the institution should hold stock or with which the institution should maintain reserve balances; and, (2) The agreed-upon location does not raise any significant policy issues.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["265"],"part_title":["PART 265 - RULES REGARDING DELEGATION OF AUTHORITY"],"section":["265.5"],"section_title":["\u00a7 265.5 Functions delegated to Secretary of the Board."]},"_input_hash":-1916311484,"_task_hash":-975291024,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711831280,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false},{"text":"The Secretary of the Board (or the Secretary's delegee) is authorized:, (a) Procedure - (1) Extension of time period for public participation in proposed regulations. To extend, when appropriate under the Board's Rules of Procedure (12 CFR 262.2 (a) and (b)), the time period for public participation with respect to proposed regulations of the Board. , (2) Extension of time period in notices, orders, rules, or regulations. (i) To grant or deny requests to extend any time period in any notice, order, rule, or regulation of the Board relating to filing information, comments, opposition, briefs, exceptions, or other matters, in connection with any application, request or petition for the Board's approval, authority, determination, or permission, or any other action by the Board. , (ii) Notwithstanding \u00a7 265.3 of this part, no person claiming to be adversely affected by any such extension of time by the Secretary shall have the right to petition the Board or any Board member for review or reconsideration of the extension. , (3) Conforming citations and references in Board rules and regulations. (i) To conform references to administrative positions or units in Board rules and regulations with changes in the administrative structure of the Board and in the government and agencies of the United States. , (ii) To conform citations and references in Board rules and regulations with other regulatory or statutory changes adopted or promulgated by the Board or by the government or agencies of the United States. , (4) Technical corrections in Board rules and regulations. To make technical corrections, such as spelling, grammar, construction, and organization (including removal of obsolete provisions and consolidation of related provisions), to the Board's rules, regulations, and orders and other records of Board action but only with the concurrence of the Board's General Counsel. , (b) Availability of information - (1) FOIA requests. To make available, upon request, information in Board records and consider requests for confidential treatment of information in Board records under the Freedom of Information Act (5 U.S.C. 552) and under the Board's Rules Regarding Availability of Information (12 CFR part 261). , (2) Review of denial of access to Board records; FOIA. To review and determine an appeal of denial of access to Board records under the Freedom of Information Act (5 U.S.C. 552), the Privacy Act (5 U.S.C. 552a), and the Board's rules regarding such access (12 CFR parts 261 and 261a, respectively)., (3) Annual reports on Privacy Act. To approve annual reports required by the Privacy Act (5 U.S.C. 552a(p)) from the Board to the Office of Management and Budget for inclusion in the President's annual consolidated report to Congress. , (4) Report on prime rate of commercial banks. To determine and report, under 26 U.S.C. (IRC) 6621, to the Secretary of the Treasury the average predominant prime rate quoted by commercial banks to large businesses. , (c) Bank holding companies; Change in bank control; Mergers - (1) Reports on competitive factors in bank mergers. To furnish reports on competitive factors involved in a bank merger to the Comptroller of the Currency and the Federal Deposit Insurance Corporation under the provisions of the Federal Deposit Insurance Act (12 U.S.C. 1828(c)); The Bank Holding Company Act (12 U.S.C. 1842(a), 1843(c)(14)); the Bank Service Corporation Act (12 U.S.C. 1865(a), (b), 1867(d)); the Change in Bank Control Act (12 U.S.C. 1817(j)); and the Federal Reserve Act (12 U.S.C. 321 et seq., 601-604a, 611 et seq.)., (2) Reserve Bank director interlocks. To take actions the Reserve Bank could take except for the fact that the Reserve Bank may not act because a director, senior officer, or principal shareholder of any holding company, bank, or company involved in the transaction is a director of that Reserve Bank or branch of the Reserve Bank. , (3) Application approval under section 5(d)(3) of the FDI Act. To approve applications pursuant to section 5(d)(3) of the Federal Deposit Insurance Act (12 U.S.C. 1815(d)(3)), in those cases in which the appropriate Federal Reserve Bank concludes that, because of unusual considerations, or for other good cause, it should not take action., (d) International banking. (1) Reserved, (2) Acquisition of foreign company or U.S. company financing exports. To grant, under sections 25 and 25A of the Federal Reserve Act (12 U.S.C. 601 and 604) and section 4(c)(13) of the Bank Holding Company Act (12 U.S.C. 1843(c)(13)) and the Board's Regulations K and Y (12 CFR parts 211 and 225), specific consent to the acquisition, either directly or indirectly, by a member bank, an Edge or Agreement corporation, or a bank holding company of stock of a company chartered under the laws of a foreign country or a company chartered under the laws of a state of the United States that is organized and operated for the purpose of financing exports from the United States, and to approve any such acquisition that may exceed the limitations of section 25A of the Federal Reserve Act based on the company's capital and surplus, if all of the following conditions are met:, (i) The appropriate Reserve Bank and all relevant divisions of the Board's staff recommend approval;, (ii) No significant policy issue is raised on which the Board has not expressed its view;, (iii) The acquisition does not result, either directly or indirectly, in the bank, corporation, or bank holding company acquiring effective control of the company, except that this condition need not be met if:, (A) The company is to perform nominee, fiduciary, or other services incidental to the activities of a foreign branch or affiliate of the bank holding company, or corporation; or, (B) The stock is being acquired from the parent bank or bank holding company, or subsidiary Edge or Agreement corporation, as the case may be, and the selling parent or subsidiary holds the stock with the consent of the Board pursuant to Regulations K and Y (12 CFR parts 211 and 225)., (3) Reserved, (e) Member banks - (1) Waiver of penalty for early withdrawals of time deposits. To permit depository institutions to waive the penalty for early withdrawal of time deposits under section 19(j) of the Federal Reserve Act (12 U.S.C. 371b) and \u00a7 204.2 of Regulation D (12 CFR part 204) if the following conditions are met:, (i) The President declares an area of major disaster or emergency area pursuant to section 301 of the Disaster Relief Act of 1974 (42 U.S.C. 5141);, (ii) The waiver is limited to depositors suffering disaster or emergency related losses in the officially designated area; and, (iii) The appropriate Reserve Bank and all relevant divisions of the Board's staff recommend approval., (2) Reserved, (f) Location of institution. To determine the Federal Reserve District in which an institution is located pursuant to \u00a7 204.3(b)(2)(ii) of Regulation D (12 CFR part 204) or \u00a7 209.15(b) of Regulation I (12 CFR part 209) if:, (1) The relevant Federal Reserve Banks and the institution agree on the specific Reserve Bank in which the institution should hold stock or with which the institution should maintain reserve balances; and, (2) The agreed-upon location does not raise any significant policy issues.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["265"],"part_title":["PART 265 - RULES REGARDING DELEGATION OF AUTHORITY"],"section":["265.5"],"section_title":["\u00a7 265.5 Functions delegated to Secretary of the Board."]},"_input_hash":-1916311484,"_task_hash":461529398,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711841777,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) A bank or association chartered under title I or II of the Act may finance eligible borrower operations conducted wholly within its chartered territory regardless of the residence of the applicant., (b) A bank or association operating under title I or II of the Act may finance the operations of a borrower headquartered and operating in its territory even though the operation financed is conducted partially outside its territory, provided notice is given to all Farm Credit institutions providing similar credit in the territory(ies) in which the operations being financed are conducted. A bank or association operating under title I or II of the Act may lend to a borrower headquartered outside its territory to finance eligible borrower operations that are conducted partially within its territory and partially outside its territory only if the concurrence of Farm Credit institutions providing similar credit for the territories in which the operations are conducted is obtained., (c) A bank or association chartered under title I or II of the Act may finance eligible borrower operations conducted wholly outside its chartered territory, provided such loans are authorized by the policies of the bank and/or association involved, do not constitute a significant shift in loan volume away from the bank or association's assigned territory, and are made and administered in accordance with paragraphs (c)(1) and (c)(2) of this section., (1) If a loan is made to an eligible borrower whose operations are conducted wholly outside the chartered territory of the lending bank or association, the lending institution shall obtain concurrence of all Farm Credit institutions providing similar credit in the territory(ies) in which the operation being financed is conducted., (2) Loans to finance eligible borrower operations conducted wholly outside a bank's or association's territory shall be appropriately designated by the bank or association to provide adequate identification of the number and volume of such loans, which shall be monitored by the bank or association., (d) A bank or association chartered under title I or II of the Act may finance eligible borrower operations conducted wholly or partially outside its chartered territory through the purchase of loans from the Federal Deposit Insurance Corporation in compliance with \u00a7 614.4325(b)(3), provided:, (1) Notice is given to the Farm Credit System institution(s) chartered to serve the territory where the headquarters of the borrower's operation being financed is located; and, (2) After loan purchase, additional financing of eligible borrower operations complies with paragraphs (a), (b), and (c) of this section.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4070"],"section_title":["\u00a7 614.4070 Loans and chartered territory - Farm Credit Banks, agricultural credit banks, Federal land bank associations, Federal land credit associations, production credit associations, and agricultural credit associations."]},"_input_hash":1041918865,"_task_hash":-1703366947,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844458,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) A bank or association chartered under title I or II of the Act may finance eligible borrower operations conducted wholly within its chartered territory regardless of the residence of the applicant., (b) A bank or association operating under title I or II of the Act may finance the operations of a borrower headquartered and operating in its territory even though the operation financed is conducted partially outside its territory, provided notice is given to all Farm Credit institutions providing similar credit in the territory(ies) in which the operations being financed are conducted. A bank or association operating under title I or II of the Act may lend to a borrower headquartered outside its territory to finance eligible borrower operations that are conducted partially within its territory and partially outside its territory only if the concurrence of Farm Credit institutions providing similar credit for the territories in which the operations are conducted is obtained., (c) A bank or association chartered under title I or II of the Act may finance eligible borrower operations conducted wholly outside its chartered territory, provided such loans are authorized by the policies of the bank and/or association involved, do not constitute a significant shift in loan volume away from the bank or association's assigned territory, and are made and administered in accordance with paragraphs (c)(1) and (c)(2) of this section., (1) If a loan is made to an eligible borrower whose operations are conducted wholly outside the chartered territory of the lending bank or association, the lending institution shall obtain concurrence of all Farm Credit institutions providing similar credit in the territory(ies) in which the operation being financed is conducted., (2) Loans to finance eligible borrower operations conducted wholly outside a bank's or association's territory shall be appropriately designated by the bank or association to provide adequate identification of the number and volume of such loans, which shall be monitored by the bank or association., (d) A bank or association chartered under title I or II of the Act may finance eligible borrower operations conducted wholly or partially outside its chartered territory through the purchase of loans from the Federal Deposit Insurance Corporation in compliance with \u00a7 614.4325(b)(3), provided:, (1) Notice is given to the Farm Credit System institution(s) chartered to serve the territory where the headquarters of the borrower's operation being financed is located; and, (2) After loan purchase, additional financing of eligible borrower operations complies with paragraphs (a), (b), and (c) of this section.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4070"],"section_title":["\u00a7 614.4070 Loans and chartered territory - Farm Credit Banks, agricultural credit banks, Federal land bank associations, Federal land credit associations, production credit associations, and agricultural credit associations."]},"_input_hash":1041918865,"_task_hash":-1703366947,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816548,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) A bank or association chartered under title I or II of the Act may finance eligible borrower operations conducted wholly within its chartered territory regardless of the residence of the applicant., (b) A bank or association operating under title I or II of the Act may finance the operations of a borrower headquartered and operating in its territory even though the operation financed is conducted partially outside its territory, provided notice is given to all Farm Credit institutions providing similar credit in the territory(ies) in which the operations being financed are conducted. A bank or association operating under title I or II of the Act may lend to a borrower headquartered outside its territory to finance eligible borrower operations that are conducted partially within its territory and partially outside its territory only if the concurrence of Farm Credit institutions providing similar credit for the territories in which the operations are conducted is obtained., (c) A bank or association chartered under title I or II of the Act may finance eligible borrower operations conducted wholly outside its chartered territory, provided such loans are authorized by the policies of the bank and/or association involved, do not constitute a significant shift in loan volume away from the bank or association's assigned territory, and are made and administered in accordance with paragraphs (c)(1) and (c)(2) of this section., (1) If a loan is made to an eligible borrower whose operations are conducted wholly outside the chartered territory of the lending bank or association, the lending institution shall obtain concurrence of all Farm Credit institutions providing similar credit in the territory(ies) in which the operation being financed is conducted., (2) Loans to finance eligible borrower operations conducted wholly outside a bank's or association's territory shall be appropriately designated by the bank or association to provide adequate identification of the number and volume of such loans, which shall be monitored by the bank or association., (d) A bank or association chartered under title I or II of the Act may finance eligible borrower operations conducted wholly or partially outside its chartered territory through the purchase of loans from the Federal Deposit Insurance Corporation in compliance with \u00a7 614.4325(b)(3), provided:, (1) Notice is given to the Farm Credit System institution(s) chartered to serve the territory where the headquarters of the borrower's operation being financed is located; and, (2) After loan purchase, additional financing of eligible borrower operations complies with paragraphs (a), (b), and (c) of this section.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4070"],"section_title":["\u00a7 614.4070 Loans and chartered territory - Farm Credit Banks, agricultural credit banks, Federal land bank associations, Federal land credit associations, production credit associations, and agricultural credit associations."]},"_input_hash":1041918865,"_task_hash":-940599614,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711831323,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false},{"text":"(a) A bank or association chartered under title I or II of the Act may finance eligible borrower operations conducted wholly within its chartered territory regardless of the residence of the applicant., (b) A bank or association operating under title I or II of the Act may finance the operations of a borrower headquartered and operating in its territory even though the operation financed is conducted partially outside its territory, provided notice is given to all Farm Credit institutions providing similar credit in the territory(ies) in which the operations being financed are conducted. A bank or association operating under title I or II of the Act may lend to a borrower headquartered outside its territory to finance eligible borrower operations that are conducted partially within its territory and partially outside its territory only if the concurrence of Farm Credit institutions providing similar credit for the territories in which the operations are conducted is obtained., (c) A bank or association chartered under title I or II of the Act may finance eligible borrower operations conducted wholly outside its chartered territory, provided such loans are authorized by the policies of the bank and/or association involved, do not constitute a significant shift in loan volume away from the bank or association's assigned territory, and are made and administered in accordance with paragraphs (c)(1) and (c)(2) of this section., (1) If a loan is made to an eligible borrower whose operations are conducted wholly outside the chartered territory of the lending bank or association, the lending institution shall obtain concurrence of all Farm Credit institutions providing similar credit in the territory(ies) in which the operation being financed is conducted., (2) Loans to finance eligible borrower operations conducted wholly outside a bank's or association's territory shall be appropriately designated by the bank or association to provide adequate identification of the number and volume of such loans, which shall be monitored by the bank or association., (d) A bank or association chartered under title I or II of the Act may finance eligible borrower operations conducted wholly or partially outside its chartered territory through the purchase of loans from the Federal Deposit Insurance Corporation in compliance with \u00a7 614.4325(b)(3), provided:, (1) Notice is given to the Farm Credit System institution(s) chartered to serve the territory where the headquarters of the borrower's operation being financed is located; and, (2) After loan purchase, additional financing of eligible borrower operations complies with paragraphs (a), (b), and (c) of this section.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4070"],"section_title":["\u00a7 614.4070 Loans and chartered territory - Farm Credit Banks, agricultural credit banks, Federal land bank associations, Federal land credit associations, production credit associations, and agricultural credit associations."]},"_input_hash":1041918865,"_task_hash":1625436958,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711841855,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Information - (1) Information to the regulated entity or entities. If the Director determines, based on standards enunciated in this part, that a temporary increase in the minimum capital level is necessary, the Director will provide notice to the affected regulated entity or entities 30 days in advance of the date that the temporary minimum capital requirement becomes effective, unless the Director determines that an exigency exists that does not permit such notice or the Director determines a longer time period would be appropriate., (2) Information to the Government. The Director shall inform the Secretary of the Treasury, the Secretary of Housing and Urban Development, and the Chairman of the Securities and Exchange Commission of a temporary increase in the minimum capital level contemporaneously with informing the affected regulated entity or entities., (b) Comments. The affected regulated entity or entities may provide comments regarding or objections to the temporary increase to FHFA within 15 days or such other period as the Director determines appropriate under the circumstances. The Director may determine to modify, delay, or rescind the announced temporary increase in response to such comments or objection, but no further notice is required for the temporary increase to become effective upon the date originally determined by the Director., (c) Communication. The Director shall transmit notice of a temporary increase or rescission of a temporary increase in the minimum capital level in writing, using electronic or such other means as appropriate. Such communication shall set forth, at a minimum, the bases for the Director's determination, the amount of increase or decrease in the minimum capital level, the anticipated duration of such increase, and a description of the procedures for requesting a rescission of the temporary increase in the minimum capital level., (d) Written plan. In making a finding under this part, the Director may require a written plan to augment capital to be submitted on a timely basis to address the methods by which such temporary increase may be attained and the time period for reaching the new temporary minimum capital level., (e) Time frame for review of temporary increase for purpose of rescission. (1) Absent an earlier determination to rescind in whole or in part a temporary increase in the minimum capital level for a regulated entity or entities, the Director shall no less than every 12 months, consider the need to maintain, modify, or rescind such increase., (2) A regulated entity or regulated entities may at any time request in writing such review by the Director.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - ENTITY REGULATIONS"],"part":["1225"],"part_title":["PART 1225 - MINIMUM CAPITAL - TEMPORARY INCREASE"],"section":["1225.3"],"section_title":["\u00a7 1225.3 Procedures."]},"_input_hash":1217867892,"_task_hash":689489147,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844459,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"versions":[{"text":"(a) Information - (1) Information to the regulated entity or entities. If the Director determines, based on standards enunciated in this part, that a temporary increase in the minimum capital level is necessary, the Director will provide notice to the affected regulated entity or entities 30 days in advance of the date that the temporary minimum capital requirement becomes effective, unless the Director determines that an exigency exists that does not permit such notice or the Director determines a longer time period would be appropriate., (2) Information to the Government. The Director shall inform the Secretary of the Treasury, the Secretary of Housing and Urban Development, and the Chairman of the Securities and Exchange Commission of a temporary increase in the minimum capital level contemporaneously with informing the affected regulated entity or entities., (b) Comments. The affected regulated entity or entities may provide comments regarding or objections to the temporary increase to FHFA within 15 days or such other period as the Director determines appropriate under the circumstances. The Director may determine to modify, delay, or rescind the announced temporary increase in response to such comments or objection, but no further notice is required for the temporary increase to become effective upon the date originally determined by the Director., (c) Communication. The Director shall transmit notice of a temporary increase or rescission of a temporary increase in the minimum capital level in writing, using electronic or such other means as appropriate. Such communication shall set forth, at a minimum, the bases for the Director's determination, the amount of increase or decrease in the minimum capital level, the anticipated duration of such increase, and a description of the procedures for requesting a rescission of the temporary increase in the minimum capital level., (d) Written plan. In making a finding under this part, the Director may require a written plan to augment capital to be submitted on a timely basis to address the methods by which such temporary increase may be attained and the time period for reaching the new temporary minimum capital level., (e) Time frame for review of temporary increase for purpose of rescission. (1) Absent an earlier determination to rescind in whole or in part a temporary increase in the minimum capital level for a regulated entity or entities, the Director shall no less than every 12 months, consider the need to maintain, modify, or rescind such increase., (2) A regulated entity or regulated entities may at any time request in writing such review by the Director.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - ENTITY REGULATIONS"],"part":["1225"],"part_title":["PART 1225 - MINIMUM CAPITAL - TEMPORARY INCREASE"],"section":["1225.3"],"section_title":["\u00a7 1225.3 Procedures."]},"_input_hash":1217867892,"_task_hash":689489147,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816562,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"dagim\"","project3eval-\"tyler\""],"default":true},{"text":"(a) Information - (1) Information to the regulated entity or entities. If the Director determines, based on standards enunciated in this part, that a temporary increase in the minimum capital level is necessary, the Director will provide notice to the affected regulated entity or entities 30 days in advance of the date that the temporary minimum capital requirement becomes effective, unless the Director determines that an exigency exists that does not permit such notice or the Director determines a longer time period would be appropriate., (2) Information to the Government. The Director shall inform the Secretary of the Treasury, the Secretary of Housing and Urban Development, and the Chairman of the Securities and Exchange Commission of a temporary increase in the minimum capital level contemporaneously with informing the affected regulated entity or entities., (b) Comments. The affected regulated entity or entities may provide comments regarding or objections to the temporary increase to FHFA within 15 days or such other period as the Director determines appropriate under the circumstances. The Director may determine to modify, delay, or rescind the announced temporary increase in response to such comments or objection, but no further notice is required for the temporary increase to become effective upon the date originally determined by the Director., (c) Communication. The Director shall transmit notice of a temporary increase or rescission of a temporary increase in the minimum capital level in writing, using electronic or such other means as appropriate. Such communication shall set forth, at a minimum, the bases for the Director's determination, the amount of increase or decrease in the minimum capital level, the anticipated duration of such increase, and a description of the procedures for requesting a rescission of the temporary increase in the minimum capital level., (d) Written plan. In making a finding under this part, the Director may require a written plan to augment capital to be submitted on a timely basis to address the methods by which such temporary increase may be attained and the time period for reaching the new temporary minimum capital level., (e) Time frame for review of temporary increase for purpose of rescission. (1) Absent an earlier determination to rescind in whole or in part a temporary increase in the minimum capital level for a regulated entity or entities, the Director shall no less than every 12 months, consider the need to maintain, modify, or rescind such increase., (2) A regulated entity or regulated entities may at any time request in writing such review by the Director.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - ENTITY REGULATIONS"],"part":["1225"],"part_title":["PART 1225 - MINIMUM CAPITAL - TEMPORARY INCREASE"],"section":["1225.3"],"section_title":["\u00a7 1225.3 Procedures."]},"_input_hash":1217867892,"_task_hash":-1254880228,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711824972,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\""],"default":false}],"view_id":"choice"}
+{"text":"(a) No waiver of privilege. The release of information under this part does not constitute a waiver by FHFA of any privilege, or of its right to control, supervise or impose limitations on the subsequent use and disclosure of any information concerning a Bank. To the extent that any information provided to a Bank or the Office of Finance pursuant to this part qualifies as non-public information under part 1214 of this chapter, that information shall continue to qualify as such and shall continue to be subject to the restrictions on disclosure set forth in part 1214, provided that a Bank shall not be deemed to have violated any provision of \u00a7 1214.3 of this chapter by disclosing in its filings with the SEC non-public information about another Bank that was obtained pursuant to this part if the disclosure is limited to a recital of the relevant factual content of the underlying information and the Bank has provided the notice required by paragraph (b) of this section., (b) Disclosures under the Federal securities laws. If a Bank determines in good faith that it is required by any applicable provision of the 1934 Act or of 17 CFR chapter II to disclose non-public information relating to another Bank that it has received pursuant to this part, it shall provide to FHFA and to the Bank to which the information pertains prior written notice of such determination and of the content and anticipated timing of the disclosure, which notice shall be provided as far in advance of the anticipated disclosure as is feasible under the circumstances., (c) Safeguarding of information. A Bank may use non-public information distributed pursuant to this part only for the purposes described in section 20A(a) of the Bank Act. Except as otherwise provided in this part, neither the Office of Finance, nor any Bank, nor any officer, director or employee thereof, may disclose or permit the use or disclosure of any non-public information regarding another Bank received pursuant to this part in any manner or for any purpose. Each Bank and the Office of Finance shall implement policies and procedures to prevent the improper disclosure of such information and to limit the access of its personnel to such information, which policies and procedures shall be no less stringent than those that apply to the entity's own confidential and supervisory information., (d) Information regarding the Office of Finance. A Bank president that receives any information regarding the Office of Finance in his or her capacity as a member of the board of directors of the Office of Finance may share the information with the board of directors of the Bank at which he or she is employed, as well as with the appropriate officers and employees of the Bank, subject to the limitations of this part.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1260"],"part_title":["PART 1260 - SHARING OF INFORMATION AMONG FEDERAL HOME LOAN BANKS"],"section":["1260.5"],"section_title":["\u00a7 1260.5 Control and disclosure of shared information."]},"_input_hash":-1616731902,"_task_hash":1436350166,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844467,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) No waiver of privilege. The release of information under this part does not constitute a waiver by FHFA of any privilege, or of its right to control, supervise or impose limitations on the subsequent use and disclosure of any information concerning a Bank. To the extent that any information provided to a Bank or the Office of Finance pursuant to this part qualifies as non-public information under part 1214 of this chapter, that information shall continue to qualify as such and shall continue to be subject to the restrictions on disclosure set forth in part 1214, provided that a Bank shall not be deemed to have violated any provision of \u00a7 1214.3 of this chapter by disclosing in its filings with the SEC non-public information about another Bank that was obtained pursuant to this part if the disclosure is limited to a recital of the relevant factual content of the underlying information and the Bank has provided the notice required by paragraph (b) of this section., (b) Disclosures under the Federal securities laws. If a Bank determines in good faith that it is required by any applicable provision of the 1934 Act or of 17 CFR chapter II to disclose non-public information relating to another Bank that it has received pursuant to this part, it shall provide to FHFA and to the Bank to which the information pertains prior written notice of such determination and of the content and anticipated timing of the disclosure, which notice shall be provided as far in advance of the anticipated disclosure as is feasible under the circumstances., (c) Safeguarding of information. A Bank may use non-public information distributed pursuant to this part only for the purposes described in section 20A(a) of the Bank Act. Except as otherwise provided in this part, neither the Office of Finance, nor any Bank, nor any officer, director or employee thereof, may disclose or permit the use or disclosure of any non-public information regarding another Bank received pursuant to this part in any manner or for any purpose. Each Bank and the Office of Finance shall implement policies and procedures to prevent the improper disclosure of such information and to limit the access of its personnel to such information, which policies and procedures shall be no less stringent than those that apply to the entity's own confidential and supervisory information., (d) Information regarding the Office of Finance. A Bank president that receives any information regarding the Office of Finance in his or her capacity as a member of the board of directors of the Office of Finance may share the information with the board of directors of the Bank at which he or she is employed, as well as with the appropriate officers and employees of the Bank, subject to the limitations of this part.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1260"],"part_title":["PART 1260 - SHARING OF INFORMATION AMONG FEDERAL HOME LOAN BANKS"],"section":["1260.5"],"section_title":["\u00a7 1260.5 Control and disclosure of shared information."]},"_input_hash":-1616731902,"_task_hash":1436350166,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816578,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) No waiver of privilege. The release of information under this part does not constitute a waiver by FHFA of any privilege, or of its right to control, supervise or impose limitations on the subsequent use and disclosure of any information concerning a Bank. To the extent that any information provided to a Bank or the Office of Finance pursuant to this part qualifies as non-public information under part 1214 of this chapter, that information shall continue to qualify as such and shall continue to be subject to the restrictions on disclosure set forth in part 1214, provided that a Bank shall not be deemed to have violated any provision of \u00a7 1214.3 of this chapter by disclosing in its filings with the SEC non-public information about another Bank that was obtained pursuant to this part if the disclosure is limited to a recital of the relevant factual content of the underlying information and the Bank has provided the notice required by paragraph (b) of this section., (b) Disclosures under the Federal securities laws. If a Bank determines in good faith that it is required by any applicable provision of the 1934 Act or of 17 CFR chapter II to disclose non-public information relating to another Bank that it has received pursuant to this part, it shall provide to FHFA and to the Bank to which the information pertains prior written notice of such determination and of the content and anticipated timing of the disclosure, which notice shall be provided as far in advance of the anticipated disclosure as is feasible under the circumstances., (c) Safeguarding of information. A Bank may use non-public information distributed pursuant to this part only for the purposes described in section 20A(a) of the Bank Act. Except as otherwise provided in this part, neither the Office of Finance, nor any Bank, nor any officer, director or employee thereof, may disclose or permit the use or disclosure of any non-public information regarding another Bank received pursuant to this part in any manner or for any purpose. Each Bank and the Office of Finance shall implement policies and procedures to prevent the improper disclosure of such information and to limit the access of its personnel to such information, which policies and procedures shall be no less stringent than those that apply to the entity's own confidential and supervisory information., (d) Information regarding the Office of Finance. A Bank president that receives any information regarding the Office of Finance in his or her capacity as a member of the board of directors of the Office of Finance may share the information with the board of directors of the Bank at which he or she is employed, as well as with the appropriate officers and employees of the Bank, subject to the limitations of this part.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1260"],"part_title":["PART 1260 - SHARING OF INFORMATION AMONG FEDERAL HOME LOAN BANKS"],"section":["1260.5"],"section_title":["\u00a7 1260.5 Control and disclosure of shared information."]},"_input_hash":-1616731902,"_task_hash":1790652233,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711831327,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"(a) General requirement. A covered FSI must ensure that each covered QFC conforms to the requirements of \u00a7\u00a7 382.3 and 382.4 of this part., (b) Covered FSI. For purposes of this part a covered FSI means, (1) Any State savings association or State non-member bank (as defined in the Federal Deposit Insurance Act, 12 U.S.C. 1813(e)(2)) that is a direct or indirect subsidiary of:, (i) A global systemically important bank holding company that has been designated pursuant to \u00a7 252.82(a)(1) of the Federal Reserve Board's Regulation YY (12 CFR 252.82); or, (ii) A global systemically important foreign banking organization that has been designated pursuant to subpart I of 12 CFR part 252 (FRB Regulation YY), and, (2) Any subsidiary of a covered FSI other than:, (i) A subsidiary that is owned in satisfaction of debt previously contracted in good faith;, (ii) A portfolio concern that is a small business investment company, as defined in section 103(3) of the Small Business Investment Act of 1958 (15 U.S.C. 662), or that has received from the Small Business Administration notice to proceed to qualify for a license as a Small Business Investment Company, which notice or license has not been revoked; or, (iii) A subsidiary designed to promote the public welfare, of the type permitted under paragraph (11) of section 5136 of the Revised Statutes of the United States (12 U.S.C. 24), including the welfare of low- to moderate-income communities or families (such as providing housing, services, or jobs)., (c) Covered QFCs. For purposes of this part, a covered QFC is:, (1) With respect to a covered FSI that is a covered FSI on January 1, 2018, an in-scope QFC that the covered FSI:, (i) Enters, executes, or otherwise becomes a party to on or after January 1, 2019; or, (ii) Entered, executed, or otherwise became a party to before January 1, 2019, if the covered FSI or any affiliate that is a covered entity, covered bank, or covered FSI also enters, executes, or otherwise becomes a party to a QFC with the same person or a consolidated affiliate of the same person on or after January 1, 2019., (2) With respect to a covered FSI that becomes a covered FSI after January 1, 2018, an in-scope QFC that the covered FSI:, (i) Enters, executes, or otherwise becomes a party to on or after the later of the date the covered FSI first becomes a covered FSI and January 1, 2019; or, (ii) Entered, executed, or otherwise became a party to before the date identified in paragraph (c)(2)(i) of this section with respect to the covered FSI, if the covered FSI or any affiliate that is a covered entity, covered bank or covered FSI also enters, executes, or otherwise becomes a party to a QFC with the same person or consolidated affiliate of the same person on or after the date identified in paragraph (c)(2)(i) of this section with respect to the covered FSI., (d) In-scope QFCs. An in-scope QFC is a QFC that explicitly:, (1) Restricts the transfer of a QFC (or any interest or obligation in or under, or any property securing, the QFC) from a covered FSI; or, (2) Provides one or more default rights with respect to a QFC that may be exercised against a covered FSI., (e) Rules of construction. For purposes of this part,, (1) A covered FSI does not become a party to a QFC solely by acting as agent with respect to the QFC; and, (2) The exercise of a default right with respect to a covered QFC includes the automatic or deemed exercise of the default right pursuant to the terms of the QFC or other arrangement., (f) Initial applicability of requirements for covered QFCs. (1) With respect to each of its covered QFCs, a covered FSI that is a covered FSI on January 1, 2018 must conform the covered QFC to the requirements of this part by:, (i) January 1, 2019, if each party to the covered QFC is a covered entity, covered bank, or covered FSI., (ii) July 1, 2019, if each party to the covered QFC (other than the covered FSI) is a financial counterparty that is not a covered entity, covered bank or covered FSI; or, (iii) January 1, 2020, if a party to the covered QFC (other than the covered FSI) is not described in paragraph (f)(1)(i) or (ii) of this section or if, notwithstanding paragraph (f)(1)(ii), a party to the covered QFC (other than the covered FSI) is a small financial institution., (2) With respect to each of its covered QFCs, a covered FSI that is not a covered FSI on January 1, 2018 must conform the covered QFC to the requirements of this part by:, (i) The first day of the calendar quarter immediately following 1 year after the date the covered FSI first becomes a covered FSI if each party to the covered QFC is a covered entity, covered bank, or covered FSI;, (ii) The first day of the calendar quarter immediately following 18 months from the date the covered FSI first becomes a covered FSI if each party to the covered QFC (other than the covered FSI) is a financial counterparty that is not a covered entity, covered bank or covered FSI; or, (iii) The first day of the calendar quarter immediately following 2 years from the date the covered FSI first becomes a covered FSI if a party to the covered QFC (other than the covered FSI) is not described in paragraph (f)(2)(i) or (ii) of this section or if, notwithstanding paragraph (f)(2)(ii), a party to the covered QFC (other than the covered FSI) is a small financial institution., (g) Rights of receiver unaffected. Nothing in this part shall in any manner limit or modify the rights and powers of the FDIC as receiver under the Federal Deposit Insurance Act or Title II of the Dodd-Frank Act, including, without limitation, the rights of the receiver to enforce provisions of the Federal Deposit Insurance Act or Title II of the Dodd-Frank Act that limit the enforceability of certain contractual provisions.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["382"],"part_title":["PART 382 - RESTRICTIONS ON QUALIFIED FINANCIAL CONTRACTS"],"section":["382.2"],"section_title":["\u00a7 382.2 Applicability."]},"_input_hash":875434544,"_task_hash":-258440967,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844469,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"versions":[{"text":"(a) General requirement. A covered FSI must ensure that each covered QFC conforms to the requirements of \u00a7\u00a7 382.3 and 382.4 of this part., (b) Covered FSI. For purposes of this part a covered FSI means, (1) Any State savings association or State non-member bank (as defined in the Federal Deposit Insurance Act, 12 U.S.C. 1813(e)(2)) that is a direct or indirect subsidiary of:, (i) A global systemically important bank holding company that has been designated pursuant to \u00a7 252.82(a)(1) of the Federal Reserve Board's Regulation YY (12 CFR 252.82); or, (ii) A global systemically important foreign banking organization that has been designated pursuant to subpart I of 12 CFR part 252 (FRB Regulation YY), and, (2) Any subsidiary of a covered FSI other than:, (i) A subsidiary that is owned in satisfaction of debt previously contracted in good faith;, (ii) A portfolio concern that is a small business investment company, as defined in section 103(3) of the Small Business Investment Act of 1958 (15 U.S.C. 662), or that has received from the Small Business Administration notice to proceed to qualify for a license as a Small Business Investment Company, which notice or license has not been revoked; or, (iii) A subsidiary designed to promote the public welfare, of the type permitted under paragraph (11) of section 5136 of the Revised Statutes of the United States (12 U.S.C. 24), including the welfare of low- to moderate-income communities or families (such as providing housing, services, or jobs)., (c) Covered QFCs. For purposes of this part, a covered QFC is:, (1) With respect to a covered FSI that is a covered FSI on January 1, 2018, an in-scope QFC that the covered FSI:, (i) Enters, executes, or otherwise becomes a party to on or after January 1, 2019; or, (ii) Entered, executed, or otherwise became a party to before January 1, 2019, if the covered FSI or any affiliate that is a covered entity, covered bank, or covered FSI also enters, executes, or otherwise becomes a party to a QFC with the same person or a consolidated affiliate of the same person on or after January 1, 2019., (2) With respect to a covered FSI that becomes a covered FSI after January 1, 2018, an in-scope QFC that the covered FSI:, (i) Enters, executes, or otherwise becomes a party to on or after the later of the date the covered FSI first becomes a covered FSI and January 1, 2019; or, (ii) Entered, executed, or otherwise became a party to before the date identified in paragraph (c)(2)(i) of this section with respect to the covered FSI, if the covered FSI or any affiliate that is a covered entity, covered bank or covered FSI also enters, executes, or otherwise becomes a party to a QFC with the same person or consolidated affiliate of the same person on or after the date identified in paragraph (c)(2)(i) of this section with respect to the covered FSI., (d) In-scope QFCs. An in-scope QFC is a QFC that explicitly:, (1) Restricts the transfer of a QFC (or any interest or obligation in or under, or any property securing, the QFC) from a covered FSI; or, (2) Provides one or more default rights with respect to a QFC that may be exercised against a covered FSI., (e) Rules of construction. For purposes of this part,, (1) A covered FSI does not become a party to a QFC solely by acting as agent with respect to the QFC; and, (2) The exercise of a default right with respect to a covered QFC includes the automatic or deemed exercise of the default right pursuant to the terms of the QFC or other arrangement., (f) Initial applicability of requirements for covered QFCs. (1) With respect to each of its covered QFCs, a covered FSI that is a covered FSI on January 1, 2018 must conform the covered QFC to the requirements of this part by:, (i) January 1, 2019, if each party to the covered QFC is a covered entity, covered bank, or covered FSI., (ii) July 1, 2019, if each party to the covered QFC (other than the covered FSI) is a financial counterparty that is not a covered entity, covered bank or covered FSI; or, (iii) January 1, 2020, if a party to the covered QFC (other than the covered FSI) is not described in paragraph (f)(1)(i) or (ii) of this section or if, notwithstanding paragraph (f)(1)(ii), a party to the covered QFC (other than the covered FSI) is a small financial institution., (2) With respect to each of its covered QFCs, a covered FSI that is not a covered FSI on January 1, 2018 must conform the covered QFC to the requirements of this part by:, (i) The first day of the calendar quarter immediately following 1 year after the date the covered FSI first becomes a covered FSI if each party to the covered QFC is a covered entity, covered bank, or covered FSI;, (ii) The first day of the calendar quarter immediately following 18 months from the date the covered FSI first becomes a covered FSI if each party to the covered QFC (other than the covered FSI) is a financial counterparty that is not a covered entity, covered bank or covered FSI; or, (iii) The first day of the calendar quarter immediately following 2 years from the date the covered FSI first becomes a covered FSI if a party to the covered QFC (other than the covered FSI) is not described in paragraph (f)(2)(i) or (ii) of this section or if, notwithstanding paragraph (f)(2)(ii), a party to the covered QFC (other than the covered FSI) is a small financial institution., (g) Rights of receiver unaffected. Nothing in this part shall in any manner limit or modify the rights and powers of the FDIC as receiver under the Federal Deposit Insurance Act or Title II of the Dodd-Frank Act, including, without limitation, the rights of the receiver to enforce provisions of the Federal Deposit Insurance Act or Title II of the Dodd-Frank Act that limit the enforceability of certain contractual provisions.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["382"],"part_title":["PART 382 - RESTRICTIONS ON QUALIFIED FINANCIAL CONTRACTS"],"section":["382.2"],"section_title":["\u00a7 382.2 Applicability."]},"_input_hash":875434544,"_task_hash":-258440967,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816601,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"alex\"","project3eval-\"dagim\""],"default":true},{"text":"(a) General requirement. A covered FSI must ensure that each covered QFC conforms to the requirements of \u00a7\u00a7 382.3 and 382.4 of this part., (b) Covered FSI. For purposes of this part a covered FSI means, (1) Any State savings association or State non-member bank (as defined in the Federal Deposit Insurance Act, 12 U.S.C. 1813(e)(2)) that is a direct or indirect subsidiary of:, (i) A global systemically important bank holding company that has been designated pursuant to \u00a7 252.82(a)(1) of the Federal Reserve Board's Regulation YY (12 CFR 252.82); or, (ii) A global systemically important foreign banking organization that has been designated pursuant to subpart I of 12 CFR part 252 (FRB Regulation YY), and, (2) Any subsidiary of a covered FSI other than:, (i) A subsidiary that is owned in satisfaction of debt previously contracted in good faith;, (ii) A portfolio concern that is a small business investment company, as defined in section 103(3) of the Small Business Investment Act of 1958 (15 U.S.C. 662), or that has received from the Small Business Administration notice to proceed to qualify for a license as a Small Business Investment Company, which notice or license has not been revoked; or, (iii) A subsidiary designed to promote the public welfare, of the type permitted under paragraph (11) of section 5136 of the Revised Statutes of the United States (12 U.S.C. 24), including the welfare of low- to moderate-income communities or families (such as providing housing, services, or jobs)., (c) Covered QFCs. For purposes of this part, a covered QFC is:, (1) With respect to a covered FSI that is a covered FSI on January 1, 2018, an in-scope QFC that the covered FSI:, (i) Enters, executes, or otherwise becomes a party to on or after January 1, 2019; or, (ii) Entered, executed, or otherwise became a party to before January 1, 2019, if the covered FSI or any affiliate that is a covered entity, covered bank, or covered FSI also enters, executes, or otherwise becomes a party to a QFC with the same person or a consolidated affiliate of the same person on or after January 1, 2019., (2) With respect to a covered FSI that becomes a covered FSI after January 1, 2018, an in-scope QFC that the covered FSI:, (i) Enters, executes, or otherwise becomes a party to on or after the later of the date the covered FSI first becomes a covered FSI and January 1, 2019; or, (ii) Entered, executed, or otherwise became a party to before the date identified in paragraph (c)(2)(i) of this section with respect to the covered FSI, if the covered FSI or any affiliate that is a covered entity, covered bank or covered FSI also enters, executes, or otherwise becomes a party to a QFC with the same person or consolidated affiliate of the same person on or after the date identified in paragraph (c)(2)(i) of this section with respect to the covered FSI., (d) In-scope QFCs. An in-scope QFC is a QFC that explicitly:, (1) Restricts the transfer of a QFC (or any interest or obligation in or under, or any property securing, the QFC) from a covered FSI; or, (2) Provides one or more default rights with respect to a QFC that may be exercised against a covered FSI., (e) Rules of construction. For purposes of this part,, (1) A covered FSI does not become a party to a QFC solely by acting as agent with respect to the QFC; and, (2) The exercise of a default right with respect to a covered QFC includes the automatic or deemed exercise of the default right pursuant to the terms of the QFC or other arrangement., (f) Initial applicability of requirements for covered QFCs. (1) With respect to each of its covered QFCs, a covered FSI that is a covered FSI on January 1, 2018 must conform the covered QFC to the requirements of this part by:, (i) January 1, 2019, if each party to the covered QFC is a covered entity, covered bank, or covered FSI., (ii) July 1, 2019, if each party to the covered QFC (other than the covered FSI) is a financial counterparty that is not a covered entity, covered bank or covered FSI; or, (iii) January 1, 2020, if a party to the covered QFC (other than the covered FSI) is not described in paragraph (f)(1)(i) or (ii) of this section or if, notwithstanding paragraph (f)(1)(ii), a party to the covered QFC (other than the covered FSI) is a small financial institution., (2) With respect to each of its covered QFCs, a covered FSI that is not a covered FSI on January 1, 2018 must conform the covered QFC to the requirements of this part by:, (i) The first day of the calendar quarter immediately following 1 year after the date the covered FSI first becomes a covered FSI if each party to the covered QFC is a covered entity, covered bank, or covered FSI;, (ii) The first day of the calendar quarter immediately following 18 months from the date the covered FSI first becomes a covered FSI if each party to the covered QFC (other than the covered FSI) is a financial counterparty that is not a covered entity, covered bank or covered FSI; or, (iii) The first day of the calendar quarter immediately following 2 years from the date the covered FSI first becomes a covered FSI if a party to the covered QFC (other than the covered FSI) is not described in paragraph (f)(2)(i) or (ii) of this section or if, notwithstanding paragraph (f)(2)(ii), a party to the covered QFC (other than the covered FSI) is a small financial institution., (g) Rights of receiver unaffected. Nothing in this part shall in any manner limit or modify the rights and powers of the FDIC as receiver under the Federal Deposit Insurance Act or Title II of the Dodd-Frank Act, including, without limitation, the rights of the receiver to enforce provisions of the Federal Deposit Insurance Act or Title II of the Dodd-Frank Act that limit the enforceability of certain contractual provisions.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["382"],"part_title":["PART 382 - RESTRICTIONS ON QUALIFIED FINANCIAL CONTRACTS"],"section":["382.2"],"section_title":["\u00a7 382.2 Applicability."]},"_input_hash":875434544,"_task_hash":1615277780,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711831329,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false},{"text":"(a) General requirement. A covered FSI must ensure that each covered QFC conforms to the requirements of \u00a7\u00a7 382.3 and 382.4 of this part., (b) Covered FSI. For purposes of this part a covered FSI means, (1) Any State savings association or State non-member bank (as defined in the Federal Deposit Insurance Act, 12 U.S.C. 1813(e)(2)) that is a direct or indirect subsidiary of:, (i) A global systemically important bank holding company that has been designated pursuant to \u00a7 252.82(a)(1) of the Federal Reserve Board's Regulation YY (12 CFR 252.82); or, (ii) A global systemically important foreign banking organization that has been designated pursuant to subpart I of 12 CFR part 252 (FRB Regulation YY), and, (2) Any subsidiary of a covered FSI other than:, (i) A subsidiary that is owned in satisfaction of debt previously contracted in good faith;, (ii) A portfolio concern that is a small business investment company, as defined in section 103(3) of the Small Business Investment Act of 1958 (15 U.S.C. 662), or that has received from the Small Business Administration notice to proceed to qualify for a license as a Small Business Investment Company, which notice or license has not been revoked; or, (iii) A subsidiary designed to promote the public welfare, of the type permitted under paragraph (11) of section 5136 of the Revised Statutes of the United States (12 U.S.C. 24), including the welfare of low- to moderate-income communities or families (such as providing housing, services, or jobs)., (c) Covered QFCs. For purposes of this part, a covered QFC is:, (1) With respect to a covered FSI that is a covered FSI on January 1, 2018, an in-scope QFC that the covered FSI:, (i) Enters, executes, or otherwise becomes a party to on or after January 1, 2019; or, (ii) Entered, executed, or otherwise became a party to before January 1, 2019, if the covered FSI or any affiliate that is a covered entity, covered bank, or covered FSI also enters, executes, or otherwise becomes a party to a QFC with the same person or a consolidated affiliate of the same person on or after January 1, 2019., (2) With respect to a covered FSI that becomes a covered FSI after January 1, 2018, an in-scope QFC that the covered FSI:, (i) Enters, executes, or otherwise becomes a party to on or after the later of the date the covered FSI first becomes a covered FSI and January 1, 2019; or, (ii) Entered, executed, or otherwise became a party to before the date identified in paragraph (c)(2)(i) of this section with respect to the covered FSI, if the covered FSI or any affiliate that is a covered entity, covered bank or covered FSI also enters, executes, or otherwise becomes a party to a QFC with the same person or consolidated affiliate of the same person on or after the date identified in paragraph (c)(2)(i) of this section with respect to the covered FSI., (d) In-scope QFCs. An in-scope QFC is a QFC that explicitly:, (1) Restricts the transfer of a QFC (or any interest or obligation in or under, or any property securing, the QFC) from a covered FSI; or, (2) Provides one or more default rights with respect to a QFC that may be exercised against a covered FSI., (e) Rules of construction. For purposes of this part,, (1) A covered FSI does not become a party to a QFC solely by acting as agent with respect to the QFC; and, (2) The exercise of a default right with respect to a covered QFC includes the automatic or deemed exercise of the default right pursuant to the terms of the QFC or other arrangement., (f) Initial applicability of requirements for covered QFCs. (1) With respect to each of its covered QFCs, a covered FSI that is a covered FSI on January 1, 2018 must conform the covered QFC to the requirements of this part by:, (i) January 1, 2019, if each party to the covered QFC is a covered entity, covered bank, or covered FSI., (ii) July 1, 2019, if each party to the covered QFC (other than the covered FSI) is a financial counterparty that is not a covered entity, covered bank or covered FSI; or, (iii) January 1, 2020, if a party to the covered QFC (other than the covered FSI) is not described in paragraph (f)(1)(i) or (ii) of this section or if, notwithstanding paragraph (f)(1)(ii), a party to the covered QFC (other than the covered FSI) is a small financial institution., (2) With respect to each of its covered QFCs, a covered FSI that is not a covered FSI on January 1, 2018 must conform the covered QFC to the requirements of this part by:, (i) The first day of the calendar quarter immediately following 1 year after the date the covered FSI first becomes a covered FSI if each party to the covered QFC is a covered entity, covered bank, or covered FSI;, (ii) The first day of the calendar quarter immediately following 18 months from the date the covered FSI first becomes a covered FSI if each party to the covered QFC (other than the covered FSI) is a financial counterparty that is not a covered entity, covered bank or covered FSI; or, (iii) The first day of the calendar quarter immediately following 2 years from the date the covered FSI first becomes a covered FSI if a party to the covered QFC (other than the covered FSI) is not described in paragraph (f)(2)(i) or (ii) of this section or if, notwithstanding paragraph (f)(2)(ii), a party to the covered QFC (other than the covered FSI) is a small financial institution., (g) Rights of receiver unaffected. Nothing in this part shall in any manner limit or modify the rights and powers of the FDIC as receiver under the Federal Deposit Insurance Act or Title II of the Dodd-Frank Act, including, without limitation, the rights of the receiver to enforce provisions of the Federal Deposit Insurance Act or Title II of the Dodd-Frank Act that limit the enforceability of certain contractual provisions.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["382"],"part_title":["PART 382 - RESTRICTIONS ON QUALIFIED FINANCIAL CONTRACTS"],"section":["382.2"],"section_title":["\u00a7 382.2 Applicability."]},"_input_hash":875434544,"_task_hash":-1668499626,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711841957,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
+{"text":"A nonqualified retirement plan that provides benefits in addition to those covered by other retirement plans for all employees and funded in whole or part by a Farm Credit institution.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["619"],"part_title":["PART 619 - DEFINITIONS"],"section":["619.9335"],"section_title":["\u00a7 619.9335 Supplemental retirement plan or supplemental executive retirement plan."]},"_input_hash":2083909783,"_task_hash":-803110955,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844470,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"versions":[{"text":"A nonqualified retirement plan that provides benefits in addition to those covered by other retirement plans for all employees and funded in whole or part by a Farm Credit institution.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["619"],"part_title":["PART 619 - DEFINITIONS"],"section":["619.9335"],"section_title":["\u00a7 619.9335 Supplemental retirement plan or supplemental executive retirement plan."]},"_input_hash":2083909783,"_task_hash":-1071468168,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816614,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"A nonqualified retirement plan that provides benefits in addition to those covered by other retirement plans for all employees and funded in whole or part by a Farm Credit institution.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["619"],"part_title":["PART 619 - DEFINITIONS"],"section":["619.9335"],"section_title":["\u00a7 619.9335 Supplemental retirement plan or supplemental executive retirement plan."]},"_input_hash":2083909783,"_task_hash":-803110955,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711825025,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"alex\"","project3eval-\"tyler\""],"default":true},{"text":"A nonqualified retirement plan that provides benefits in addition to those covered by other retirement plans for all employees and funded in whole or part by a Farm Credit institution.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["619"],"part_title":["PART 619 - DEFINITIONS"],"section":["619.9335"],"section_title":["\u00a7 619.9335 Supplemental retirement plan or supplemental executive retirement plan."]},"_input_hash":2083909783,"_task_hash":-2022032619,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711831333,"_annotator_id":"project3eval-\"Manjinder\"","_session_id":"project3eval-\"Manjinder\"","sessions":["project3eval-\"Manjinder\""],"default":false}],"view_id":"choice"}
+{"text":"(a) Membership in appraisal organizations. A State certified appraiser or a State licensed appraiser may not be excluded from consideration for an assignment for a federally related transaction solely by virtue of membership or lack of membership in any particular appraisal organization., (b) Competency. All staff and fee appraisers performing appraisals in connection with federally related transactions must be State certified or licensed, as appropriate. However, a State certified or licensed appraiser may not be considered competent solely by virtue of being certified or licensed. Any determination of competency shall be based upon the individual's experience and educational background as they relate to the particular appraisal assignment for which he or she is being considered.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["323"],"part_title":["PART 323 - APPRAISALS"],"section":["323.6"],"section_title":["\u00a7 323.6 Professional association membership; competency."]},"_input_hash":1915129836,"_task_hash":635432010,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"review","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711844472,"_annotator_id":"project3eval-review-reviwer","_session_id":"project3eval-review-reviwer","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\""],"versions":[{"text":"(a) Membership in appraisal organizations. A State certified appraiser or a State licensed appraiser may not be excluded from consideration for an assignment for a federally related transaction solely by virtue of membership or lack of membership in any particular appraisal organization., (b) Competency. All staff and fee appraisers performing appraisals in connection with federally related transactions must be State certified or licensed, as appropriate. However, a State certified or licensed appraiser may not be considered competent solely by virtue of being certified or licensed. Any determination of competency shall be based upon the individual's experience and educational background as they relate to the particular appraisal assignment for which he or she is being considered.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["323"],"part_title":["PART 323 - APPRAISALS"],"section":["323.6"],"section_title":["\u00a7 323.6 Professional association membership; competency."]},"_input_hash":1915129836,"_task_hash":2075214790,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711816626,"_annotator_id":"project3eval-\"dagim\"","_session_id":"project3eval-\"dagim\"","sessions":["project3eval-\"dagim\""],"default":false},{"text":"(a) Membership in appraisal organizations. A State certified appraiser or a State licensed appraiser may not be excluded from consideration for an assignment for a federally related transaction solely by virtue of membership or lack of membership in any particular appraisal organization., (b) Competency. All staff and fee appraisers performing appraisals in connection with federally related transactions must be State certified or licensed, as appropriate. However, a State certified or licensed appraiser may not be considered competent solely by virtue of being certified or licensed. Any determination of competency shall be based upon the individual's experience and educational background as they relate to the particular appraisal assignment for which he or she is being considered.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["323"],"part_title":["PART 323 - APPRAISALS"],"section":["323.6"],"section_title":["\u00a7 323.6 Professional association membership; competency."]},"_input_hash":1915129836,"_task_hash":635432010,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711825041,"_annotator_id":"project3eval-\"alex\"","_session_id":"project3eval-\"alex\"","sessions":["project3eval-\"Manjinder\"","project3eval-\"alex\""],"default":true},{"text":"(a) Membership in appraisal organizations. A State certified appraiser or a State licensed appraiser may not be excluded from consideration for an assignment for a federally related transaction solely by virtue of membership or lack of membership in any particular appraisal organization., (b) Competency. All staff and fee appraisers performing appraisals in connection with federally related transactions must be State certified or licensed, as appropriate. However, a State certified or licensed appraiser may not be considered competent solely by virtue of being certified or licensed. Any determination of competency shall be based upon the individual's experience and educational background as they relate to the particular appraisal assignment for which he or she is being considered.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["323"],"part_title":["PART 323 - APPRAISALS"],"section":["323.6"],"section_title":["\u00a7 323.6 Professional association membership; competency."]},"_input_hash":1915129836,"_task_hash":574695417,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711841992,"_annotator_id":"project3eval-\"tyler\"","_session_id":"project3eval-\"tyler\"","sessions":["project3eval-\"tyler\""],"default":false}],"view_id":"choice"}
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+{"text":"(a) General definition of covered agreement. A covered agreement is any contract, arrangement, or understanding that meets all of the following criteria - , (1) The agreement is in writing. , (2) The parties to the agreement include - , (i) One or more insured depository institutions or affiliates of an insured depository institution; and , (ii) One or more nongovernmental entities or persons (referred to hereafter as NGEPs). , (3) The agreement provides for the insured depository institution or any affiliate to - , (i) Provide to one or more individuals or entities (whether or not parties to the agreement) cash payments, grants, or other consideration (except loans) that have an aggregate value of more than $10,000 in any calendar year; or, (ii) Make to one or more individuals or entities (whether or not parties to the agreement) loans that have an aggregate principal amount of more than $50,000 in any calendar year. , (4) The agreement is made pursuant to, or in connection with, the fulfillment of the Community Reinvestment Act of 1977 (12 U.S.C. 2901 et seq.) (CRA), as defined in \u00a7 207.4. , (5) The agreement is with a NGEP that has had a CRA communication as described in \u00a7 207.3 prior to entering into the agreement. , (b) Examples concerning written arrangements or understandings - (1) Example 1. A NGEP meets with an insured depository institution and states that the institution needs to make more community development investments in the NGEP's community. The NGEP and insured depository institution do not reach an agreement concerning the community development investments the institution should make in the community, and the parties do not reach any mutual arrangement or understanding. Two weeks later, the institution unilaterally issues a press release announcing that it has established a general goal of making $100 million of community development grants in low- and moderate-income neighborhoods served by the insured depository institution over the next 5 years. The NGEP is not identified in the press release. The press release is not a written arrangement or understanding. , (2) Example 2. A NGEP meets with an insured depository institution and states that the institution needs to offer new loan programs in the NGEP's community. The NGEP and the insured depository institution reach a mutual arrangement or understanding that the institution will provide additional loans in the NGEP's community. The institution tells the NGEP that it will issue a press release announcing the program. Later, the insured depository institution issues a press release announcing the loan program. The press release incorporates the key terms of the understanding reached between the NGEP and the insured depository institution. The written press release reflects the mutual arrangement or understanding of the NGEP and the insured depository institution and is, therefore, a written arrangement or understanding. , (3) Example 3. An NGEP sends a letter to an insured depository institution requesting that the institution provide a $15,000 grant to the NGEP. The insured depository institution responds in writing and agrees to provide the grant in connection with its annual grant program. The exchange of letters constitutes a written arrangement or understanding. , (c) Loan agreements that are not covered agreements. A covered agreement does not include - , (1) Any individual loan that is secured by real estate; or , (2) Any specific contract or commitment for a loan or extension of credit to an individual, business, farm, or other entity, or group of such individuals or entities, if - , (i) The funds are loaned at rates that are not substantially below market rates; and , (ii) The loan application or other loan documentation does not indicate that the borrower intends or is authorized to use the borrowed funds to make a loan or extension of credit to one or more third parties. , (d) Examples concerning loan agreements - (1) Example 1. An insured depository institution provides an organization with a $1 million loan that is documented in writing and is secured by real estate owned or to-be-acquired by the organization. The agreement is an individual mortgage loan and is exempt from coverage under paragraph (c)(1) of this section, regardless of the interest rate on the loan or whether the organization intends or is authorized to re-loan the funds to a third party. , (2) Example 2. An insured depository institution commits to provide a $500,000 line of credit to a small business that is documented by a written agreement. The loan is made at rates that are within the range of rates offered by the institution to similarly situated small businesses in the market and the loan documentation does not indicate that the small business intends or is authorized to re-lend the borrowed funds. The agreement is exempt from coverage under paragraph (c)(2) of this section. , (3) Example 3. An insured depository institution offers small business loans that are guaranteed by the Small Business Administration (SBA). A small business obtains a $75,000 loan, documented in writing, from the institution under the institution's SBA loan program. The loan documentation does not indicate that the borrower intends or is authorized to re-lend the funds. Although the rate charged on the loan is well below that charged by the institution on commercial loans, the rate is within the range of rates that the institution would charge a similarly situated small business for a similar loan under the SBA loan program. Accordingly, the loan is not made at substantially below market rates and is exempt from coverage under paragraph (c)(2) of this section. , (4) Example 4. A bank holding company enters into a written agreement with a community development organization that provides that insured depository institutions owned by the bank holding company will make $250 million in small business loans in the community over the next 5 years. The written agreement is not a specific contract or commitment for a loan or an extension of credit and, thus, is not exempt from coverage under paragraph (c)(2) of this section. Each small business loan made by the insured depository institution pursuant to this general commitment would, however, be exempt from coverage if the loan is made at rates that are not substantially below market rates and the loan documentation does not indicate that the borrower intended or was authorized to re-lend the funds. , (e) Agreements that include exempt loan agreements. If an agreement includes a loan, extension of credit or loan commitment that, if documented separately, would be exempt under paragraph (c) of this section, the exempt loan, extension of credit or loan commitment may be excluded for purposes of determining whether the agreement is a covered agreement. , (f) Determining annual value of agreements that lack schedule of disbursements. For purposes of paragraph (a)(3) of this section, a multi-year agreement that does not include a schedule for the disbursement of payments, grants, loans or other consideration by the insured depository institution or affiliate, is considered to have a value in the first year of the agreement equal to all payments, grants, loans and other consideration to be provided at any time under the agreement. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["207"],"part_title":["PART 207 - DISCLOSURE AND REPORTING OF CRA-RELATED AGREEMENTS (REGULATION G)"],"section":["207.2"],"section_title":["\u00a7 207.2 Definition of covered agreement."]},"_input_hash":-1242941230,"_task_hash":-1577583182,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","config":{"choice_style":"single"},"accept":["ReportingAndCompliance"],"answer":"accept","_timestamp":1711845669,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Except for records that are exempt from public disclosure under FOIA as amended (5 U.S.C. 552) or are promptly published and copies are available for purchase, NCUA routinely makes the following five types of records available for you to inspect and copy and in an electronic format:, (a) Final opinions, including concurring and dissenting opinions, and orders made in the adjudication of cases;, (b) Statements of policy and interpretations which have been adopted by the agency but not published in the Federal Register;, (c) Administrative staff manuals and instructions to staff that affect a member of the public;, (d) Copies of all records, regardless of form or format, which have been released after March 31, 1997, in response to a FOIA request and which, because of the nature of their subject matter, NCUA determines have been or are likely to become the subject of subsequent requests; or records that have been requested three (3) or more times; and, (e) Indices of the documents referred to in this paragraph.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["792"],"part_title":["PART 792 - REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION"],"section":["792.02"],"section_title":["\u00a7 792.02 What records does NCUA make available to the public for inspection and copying?"]},"_input_hash":-224402216,"_task_hash":23753881,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846063,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) General. In order to enable each Bank to evaluate the financial condition of any one or more of the other Banks and the Bank System, FHFA shall distribute to each Bank and to the Office of Finance, or shall require each Bank to distribute directly to each other Bank and the Office of Finance, such categories of financial and supervisory information regarding each Bank and the Bank system as it determines to be appropriate, subject to the requirements of this part., (b) Notice. FHFA shall prepare and issue to each Bank and the Office of Finance a notice setting forth the categories of information to be distributed, which it shall review from time to time and revise as necessary to ensure that the information distributed remains useful to the Banks in evaluating the financial strength of the other Banks and the Bank System. Prior to issuing a new or revised notice, FHFA shall notify each Bank and the Office of Finance of its proposed contents and allow them a reasonable period within which to comment., (c) Director's orders. The Director or his designee may issue such orders as are necessary to effect the distribution of the information set forth in the notice issued under paragraph (b) of this section and to carry out the provisions of this part.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1260"],"part_title":["PART 1260 - SHARING OF INFORMATION AMONG FEDERAL HOME LOAN BANKS"],"section":["1260.2"],"section_title":["\u00a7 1260.2 Bank information to be shared."]},"_input_hash":1775840565,"_task_hash":-629768631,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846118,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Any respondent may, at any time in the proceeding, unilaterally submit to Enforcement Counsel written offers or proposals for settlement of a proceeding, without prejudice to the rights of any of the parties. No such offer or proposal shall be made to any NCUA representative other than Enforcement Counsel. Submission of a written settlement offer does not provide a basis for adjourning or otherwise delaying all or any portion of a proceeding under this part. No settlement offer or proposal, or any subsequent negotiation or resolution, is admissible as evidence in any proceeding.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.15"],"section_title":["\u00a7 747.15 Opportunity for informal settlement."]},"_input_hash":-516714953,"_task_hash":-1888859858,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846143,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Any agreement entered into with a labor organization as the exclusive representative of employees in a unit must be approved by the President of the Bank or a designated officer representative. All agreements with labor organizations shall also be subject to the requirement that the administration of all matters covered by the agreement shall be governed by the provisions of applicable laws and Federal Reserve System rules and regulations, and the agreement shall at all times be applied subject to such laws and regulations.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["269"],"part_title":["PART 269 - POLICY ON LABOR RELATIONS FOR THE FEDERAL RESERVE BANKS"],"section":["269.7"],"section_title":["\u00a7 269.7 Approval of agreement and required contents."]},"_input_hash":1070995860,"_task_hash":-752031434,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846157,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Termination. A management official shall terminate his or her service or apply for an exemption if a change in circumstances causes the service to become prohibited. A change in circumstances may include an increase in asset size of an organization, a change in the delineation of the RMSA or community, the establishment of an office, an increase in the aggregate deposits of the depository organization, or an acquisition, merger, consolidation, or reorganization of the ownership structure of a depository organization that causes a previously permissible interlock to become prohibited., (b) Transition period. A management official described in paragraph (a) of this section may continue to serve the depository organization involved in the interlock for 15 months following the date of the change in circumstances. The Board may shorten this period under appropriate circumstances.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["238"],"part_title":["PART 238 - SAVINGS AND LOAN HOLDING COMPANIES (REGULATION LL)"],"section":["238.97"],"section_title":["\u00a7 238.97 Change in circumstances."]},"_input_hash":196158196,"_task_hash":-1197716443,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846172,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"The Director of the Board's Division of Consumer and Community Affairs (or the Director's delegee) is authorized:, (a) Issuing examination manuals, forms, and other materials. To issue examination or inspection manuals; report, agreement, and examination forms; examination procedures, guidelines, instructions, and other similar materials pursuant to: section 11(a) of the Federal Reserve Act (12 U.S.C. 248(a)); sections 108(b), 621(c), 704(b), 814(c), and 917(b) of the Consumer Credit Protection Act (15 U.S.C. 1607(b), 1681s(b), 1691c(b), 1692l(c) and 1693o(b)); section 305(c) of the Home Mortgage Disclosure Act (12 U.S.C. 2804(c)); section 18(f)(3) of the Federal Trade Commission Act (15 U.S.C. 57a(f)(3)); section 808(c) of the Civil Rights Act of 1968 (42 U.S.C. 3608(c)); section 270(b) of the Truth in Savings Act (12 U.S.C. 4309); and section 5 of the Bank Holding Company Act of 1956 (12 U.S.C. 1844(c)). The foregoing manuals, forms, and other materials are for use within the Federal Reserve System in the administration of enforcement responsibilities in connection with:, (1) Sections 1-200 and 501-921 of the Consumer Credit Protection Act (15 U.S.C. 1601-1693r), in regard to the Truth in Lending Act, the Consumer Leasing Act, the Equal Credit Opportunity Act, the Electronic Fund Transfer Act, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act;, (2) Sections 301-312 of the Home Mortgage Disclosure Act (12 U.S.C. 2801-2811); , (3) Section 18(f)(1)-(3) of the Federal Trade Commission Act (15 U.S.C. 57a(f)(1)-(3));, (4) Section 805 of the Civil Rights Act of 1968 (42 U.S.C. 3605) and rules and regulations issued thereunder; , (5) Section 1364 of the National Flood Insurance Act of 1968 (42 U.S.C. 4101(a)), and sections 105(b) and 202(b) of the Flood Disaster Protection Act of 1973 (42 U.S.C. 4012a(b), 4106(b)); , (6) Section 19(j) of the Federal Reserve Act (12 U.S.C. 371b); and , (7) Sections 801-806 of the Community Reinvestment Act (12 U.S.C. 2901-2905). , (8) Sections 261-274 of the Truth in Savings Act (12 U.S.C. 4301-4313)., (b) Consumer Advisory Council. Pursuant to section 703(b) of the Consumer Credit Protection Act (15 U.S.C. 1691b(b)), to call meetings of and consult with the Consumer Advisory Council established under that section, approve the agenda for such meetings, and accept any resignations from Consumer Advisory Council members. , (c) Determining inconsistencies between state and federal laws. To determine whether a state law is inconsistent with the following federal acts and regulations:, (1) Sections 111, 171(a) and 186(a) of the Truth in Lending Act (15 U.S.C. 1610(a), 1666j(a), 1667e(a)) and \u00a7 226.28 of Regulation Z (12 CFR part 226) and \u00a7 213.7 of Regulation M (12 CFR part 213);, (2) Section 919 of the Electronic Fund Transfer Act (15 U.S.C. 1693q), \u00a7 205.12 of Regulation E (12 CFR part 205); , (3) Section 705(f) of the Equal Credit Opportunity Act (15 U.S.C. 1691d(f) and \u00a7 202.11 of Regulation B (12 CFR part 202);, (4) Section 306(a) of the Home Mortgage Disclosure Act (12 U.S.C. 2805(a)) and \u00a7 203.3 of Regulation C (12 CFR part 203); and, (5) Section 273 of the Truth in Savings Act (12 U.S.C. 4312) and \u00a7 230.1 of Regulation DD (12 CFR part 230)., (d) Interpreting the Fair Credit Reporting Act. To issue interpretations pursuant to section 621(e) of the Fair Credit Reporting Act (15 U.S.C. 1681s(e));, (e) Annual adjustments. To adjust as required by law:, (1) The amount specified in section 103(aa)(1)(B)(ii) of the Truth in Lending Act and \u00a7 226.32(a)(1)(ii) of Regulation Z (12 CFR part 226), relating to mortgages bearing fees above a certain amount in accord with section 103(aa)(3) of that act (15 U.S.C. 1602(aa)); and, (2) The amount specified in section 309(b)(1) of the Home Mortgage Disclosure Act (12 U.S.C. 2808(b)(1)) and \u00a7 203.3(a)(1)(ii) of Regulation C (12 CFR part 203) relating to the asset threshold above which a depository institution must collect and report data., (f) Community Reinvestment Act determinations. To make determinations, pursuant to section 804 of the Community Reinvestment Act (12 U.S.C. 2903), approving or disapproving:, (1) Strategic plans and any amendments thereto pursuant to \u00a7 228.27(g) and (h) of Regulation BB (12 CFR part 228); and, (2) Requests for designation as a wholesale or limited purpose bank or the revocation of such designation, pursuant to \u00a7 228.25(b) of Regulation BB (12 CFR part 228)., (g) Public hearings. To conduct hearings or other proceedings required by law, concerning consumer law or other matters within the responsibilities of the Division of Consumer and Community Affairs, in consultation with other interested divisions of the Board where appropriate.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["265"],"part_title":["PART 265 - RULES REGARDING DELEGATION OF AUTHORITY"],"section":["265.9"],"section_title":["\u00a7 265.9 Functions delegated to the Director of Division of Consumer and Community Affairs."]},"_input_hash":-388094051,"_task_hash":1342098687,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846187,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Request for oral hearing. The petitioner may request to appear before the Board to make an oral presentation in support of the appeal. The request must be submitted with the initial appeal documents and should be in the form of a separate written document titled \u201cRequest for Oral Hearing.\u201d The request must show good cause for an oral presentation and state reasons why the appeal cannot be presented adequately in writing., (b) Action on the request. The Board shall determine whether to grant the request for oral hearing and shall direct the Special Counsel to serve notice of the Board's determination in writing to the petitioner. A request for oral hearing shall be granted with the approval of any Board member. The determination by a Board member approving an oral hearing must be taken within 20 days of the Board Secretary's receipt of the appeal., (c) Effect of denial. In the event no Board member approves of holding an oral hearing, the request for an oral hearing is deemed to be denied, and the appeal shall be reviewed and determined by the Board on the basis of the written record., (d) Procedures for oral hearing. The following procedures shall govern the conduct of any oral hearing:, (1) Scheduling of oral hearing; location. The Special Counsel shall notify the petitioner and the program office of the date and time for the oral hearing, making sure to provide reasonable lead time and schedule accommodations. The oral hearing will be held at NCUA headquarters in Alexandria, Virginia; provided, however, that on his or her own initiative or at the request of the petitioner, the Chairman may in his or her sole discretion allow for a hearing to be conducted via teleconference or video conference facilities., (2) Appearances; representation. The petitioner and the NCUA program office shall submit a notice of appearance identifying the individual(s) who will be representing them at the oral presentation. The petitioner shall designate not more than two officers, employees, or other representatives (including counsel), unless otherwise authorized by the Chairman. The NCUA program office shall designate not more than two individuals (one of whom may be a litigation and enforcement attorney from NCUA's Office of General Counsel), unless otherwise authorized by the Chairman., (3) Conduct of oral hearing. The oral hearing shall consist entirely of oral presentations. The introduction of written evidence or witness testimony at the hearing shall not be permitted. The petitioner shall present first, followed by the NCUA program office. Each side shall be allotted a specified and equal amount of time for its presentation, of which a portion may be reserved for purposes of rebuttal. This time limit shall be set by the Board and will be based on the complexity of the appeal. Members of the Board may ask questions of any individual appearing before the Board., (4) Transcript. The oral hearing shall be on the record and transcribed by a stenographer, who will prepare a transcript of the proceedings. The stenographer will make the transcript available to the petitioner upon payment of the cost thereof., (e) Confidentiality. An oral hearing as provided for herein constitutes a meeting of the Board within the meaning of the Government in the Sunshine Act (5 U.S.C. 552b). The NCUA Chairman shall preside over the conduct of the oral hearing. The meeting will be closed to the public to the extent that one or more of the exemptions from public meetings apply as certified by NCUA's Office of General Counsel. The Board shall maintain the confidentiality of any information or materials submitted or otherwise obtained in the course of the procedures outlined herein, subject to applicable law and regulations., (f) Conclusion of the oral hearing. The Board shall take the oral presentations under advisement. The Board shall render its decision on the appeal in accordance with \u00a7 746.206.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["746"],"part_title":["PART 746 - APPEALS PROCEDURES"],"section":["746.207"],"section_title":["\u00a7 746.207 Procedures for oral hearing."]},"_input_hash":24258554,"_task_hash":476492667,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846201,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Notice of intent to issue directive. If a state member bank or bank holding company is operating with less than the minimum level of capital established in the Board's Capital Adequacy Guidelines, or as otherwise established under the procedures described in \u00a7 263.85, or if the Board has determined that the current capital level of a savings and loan holding company is not adequate, the Board may issue and serve upon such state member bank, bank holding company, or savings and loan holding company written notice of the Board's intent to issue a directive to require the bank, bank holding company, or savings and loan holding company to achieve and maintain adequate capital within a specified time period., (b) Contents of notice. The notice of intent to issue a directive shall include:, (1) The required minimum level of capital to be achieved or maintained by the institution;, (2) Its current level of capital;, (3) The proposed increase in capital needed to meet the minimum requirements;, (4) The proposed date or schedule for meeting these minimum requirements;, (5) When deemed appropriate, specific details of a proposed plan for meeting the minimum capital requirements; and, (6) The date for a written response by the bank or bank holding company to the proposed directive, which shall be at least 14 days from the date of issuance of the notice unless the Board determines a shorter period is necessary because of the financial condition of the bank or bank holding company., (c) Response to notice. The bank or bank holding company may file a written response to the notice within the time period set by the Board. The response may include: , (1) An explanation why a directive should not be issued; , (2) Any proposed modification of the terms of the directive; , (3) Any relevant information, mitigating circumstances, documentation or other evidence in support of the institution's position regarding the proposed directive; and, (4) The institution's plan for attaining the required level of capital., (d) Failure to file response. Failure by the bank or bank holding company to file a written response to the notice of intent to issue a directive within the specified time period shall constitute a waiver of the opportunity to respond and shall constitute consent to the issuance of such directive., (e) Board consideration of response. After considering the response of the bank or bank holding company, the Board may:, (1) Issue the directive as originally proposed or in modified form;, (2) Determine not to issue a directive and so notify the bank or bank holding company; or, (3) Seek additional information or clarification of the response by the bank or bank holding company., (f) Contents of directive. Any directive issued by the Board may order the bank or bank holding company to:, (1) Achieve or maintain the minimum capital requirement established pursuant to the Board's Capital Adequacy Guidelines or the procedures in \u00a7 263.85 of this subpart by a certain date;, (2) Adhere to a previously submitted plan or submit for approval and adhere to a plan for achieving the minimum capital requirement by a certain date;, (3) Take other specific action as the Board directs to achieve the minimum capital levels, including requiring a reduction of assets or asset growth or restriction on the payment of dividends; or, (4) Take any combination of the above actions., (g) Request for reconsideration of directive. Any state member bank or bank holding company, upon a change in circumstances, may request the Board to reconsider the terms of a directive and may propose changes in the plan under which it is operating to meet the required minimum capital level. The directive and plan continue in effect while such request is pending before the Board.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["263"],"part_title":["PART 263 - RULES OF PRACTICE FOR HEARINGS"],"section":["263.83"],"section_title":["\u00a7 263.83 Issuance of capital directives."]},"_input_hash":163726500,"_task_hash":-436045360,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846216,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Authorized UBE business activity. All UBE business activity must be:, (1) Necessary or expedient to the business of one or more System institutions owning the UBE; and, (2) In no instance greater than the functions and services that one or more System institutions owning the UBE are authorized to perform under the Act and as determined by the FCA., (b) Circumvention of cooperative principles. System institutions are prohibited from using UBEs to engage in direct lending activities or any other activity that would circumvent the application of cooperative principles, including borrower rights as described in section 4.14A of the Act, or stock ownership, voting rights or patronage as described in section 4.3A of the Act., (c) Transparency and the avoidance of conflicts of interest. Each System institution must ensure that:, (1) The UBE is held out to the public as a separate or subsidiary entity;, (2) The business transactions, accounts, and records of the UBE are not commingled with those of the System institution; and, (3) All transactions between the UBE and System institution directors, officers, employees, and agents are conducted at arm's length, in the interest of the System institution, and in compliance with standards of conduct rules in \u00a7\u00a7 612.2130 through 612.2270., (d) Limit on one-member UBEs. A UBE owned solely by a single System institution (including between and among a parent agricultural credit association and its production credit association and Federal land credit association subsidiaries and between a parent agricultural credit bank and its subsidiary Farm Credit Bank) as a one-member UBE is limited to the following special purposes:, (1) Acquiring and managing the unusual or complex collateral associated with loans; and, (2) Providing limited services such as electronic transaction, fixed asset, trustee or other services that are integral to the daily internal operations of a System institution., (e) Limit on UBE partnerships. A System institution operating through a parent-subsidiary structure may not create a UBE partnership between or among the parent agricultural credit association and its production credit association and Federal land credit association subsidiaries or between a parent Agricultural Credit Bank and its Farm Credit Bank subsidiary., (f) Prohibition on UBE subsidiaries. Except as provided in this paragraph, a System institution may not create a subsidiary of a UBE that it has organized or invested in under this subpart or enable the UBE itself to create a subsidiary or any other type of affiliated entity. A System institution may establish a UBE as a subsidiary of a UBE formed pursuant to paragraph (d)(1) of this section to hold each investor's pro-rata interest in acquired property provided that the loan collateral at issue involves a multi-lender transaction that includes System and non-System lenders., (g) Limit on potential liability. (1) Each System institution's equity investment in a UBE must be established in a manner that will limit potential exposure of the System institution to no more than the amount of its investment in the UBE., (2) A System institution cannot become a general partner of any partnership other than an LLLP., (h) Limit on amount of equity investment in UBEs. The aggregate amount of equity investments that a single System institution is authorized to hold in UBEs must not exceed one percent of the institution's total outstanding loans, calculated at the time of each investment. On a case-by-case basis, FCA may approve an exception to this limitation that would exceed the one-percent aggregate limit. Conversely, FCA may impose a percentage limit lower than the one-percent aggregate limit based on safety or soundness and other relevant concerns. This one-percent aggregate limit does not apply to equity investments in one-member UBEs formed for acquired property as permitted in paragraph (d)(1) of this section. Any equity investment made in a UBE by a service corporation must be attributed to its System institution owners based on the ownership percentage of each bank or association., (i) Prohibition on relationship with a third-party UBE. A System institution is prohibited from:, (1) Making any equity investment in a third-party UBE except as may be authorized on a case-by-case basis under \u00a7 615.5140(e) of this chapter for de minimis and passive investments. Such requests would be considered outside of this rule., (2) Serving as the general partner or manager of a third-party UBE; or, (3) Being designated as the primary beneficiary of a third-party UBE, either alone or with other System institutions., (j) Limitation on non-System equity investments. Non-System persons or entities may not invest in a UBE that is controlled by a System institution except that non-System persons or entities may own 20 percent or less of the equity of a System-controlled UBE organized to deliver services integral to the daily internal operations of a System institution., (k) UBEs formed for acquiring and managing collateral. The provisions of paragraphs (i) and (j) of this section do not apply to UBEs formed for the purpose of acquiring and managing unusual or complex collateral associated with multiple-lender loan transactions in which non-System persons or entities are participants.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["611"],"part_title":["PART 611 - ORGANIZATION"],"section":["611.1153"],"section_title":["\u00a7 611.1153 General restrictions and prohibitions on the use of UBEs."]},"_input_hash":-1912874654,"_task_hash":153447603,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846231,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Adjusted trading or short sales. A Federal credit union may not engage in adjusted trading or short sales. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["703"],"part_title":["PART 703 - INVESTMENT AND DEPOSIT ACTIVITIES"],"section":["703.15"],"section_title":["\u00a7 703.15 Prohibited investment activities."]},"_input_hash":274031140,"_task_hash":-524002060,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846254,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Except as provided in this part or as otherwise authorized, no officer, employee, or agent of the Board or any Reserve Bank shall disclose or permit the disclosure of any exempt information of the Committee to any person other than Board or Reserve Bank officers, employees, or agents properly entitled to such information in the performance of duties for, or pursuant to the direction of, the Committee.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FEDERAL OPEN MARKET COMMITTEE"],"part":["271"],"part_title":["PART 271 - RULES REGARDING AVAILABILITY OF INFORMATION"],"section":["271.4"],"section_title":["\u00a7 271.4 Prohibition against disclosure."]},"_input_hash":668293778,"_task_hash":-1062745958,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846303,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) A program entry is characterized by a suspension or eventual dismissal or reversal of charges or criminal prosecution upon agreement, whether formal or informal, by the accused to treatment, rehabilitation, restitution, or other non-criminal or non-punitive alternatives. Whether the outcome of a case constitutes a program entry is determined by relevant Federal, State, or local law, and, if not so designated under applicable law, then the determination of whether a disposition is a program entry will be made by the FDIC on a case-by-case basis. Program entries prior to November 29, 1990, are not covered by section 19., (b) When a covered offense either is reduced by a program entry to an offense that would otherwise not be covered by section 19 or is dismissed upon successful completion of a program entry, the covered offense remains a covered offense for purposes of section 19. The covered offense will require an application unless it is de minimis as provided by \u00a7 303.227 of this subpart., (c) Expungements or sealings of program entries will be treated the same as those for convictions.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["303"],"part_title":["PART 303 - FILING PROCEDURES"],"section":["303.224"],"section_title":["\u00a7 303.224 What constitutes a pretrial diversion or similar program (program entry) under section 19?"]},"_input_hash":-273531302,"_task_hash":-1520035394,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846327,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"The Director may grant an employee permission to testify regarding agency matters, and to produce records and information, in response to a demand or request. Among the relevant factors that the Director may consider in making this determination are whether:, (a) This part's purposes are met;, (b) FHFA has an interest in the decision that may be rendered in the legal proceeding;, (c) Approving the demand or request would assist or hinder FHFA in performing statutory duties or use FHFA resources;, (d) Production might assist or hinder employees in doing their work;, (e) The records, information, or testimony can be obtained from other sources. (Concerning testimony, \u201cother sources\u201d means a non-agency employee, or an agency employee other than the employee named)., (f) The demand or request is unduly burdensome or otherwise inappropriate under the rules of discovery or procedure governing the case or matter in which the demand or request arose;, (g) Production of the records, information, or testimony might violate or be inconsistent with a statute, Executive Order, regulation, or other legal authority;, (h) Production of the records, information, or testimony might reveal confidential or privileged information, trade secrets, or confidential commercial or financial information;, (i) Production of the records, information, or testimony might impede or interfere with an ongoing law enforcement investigation or proceedings, or compromise constitutional rights;, (j) Production of the records, information, or testimony might result in FHFA appearing to favor one litigant over another;, (k) The demand or request pertains to documents that were produced by another agency;, (l) The demand or request complies with all other applicable rules;, (m) The demand or request is sufficiently specific to be answered;, (n) The relevance of the records, information, or testimony to the purposes for which they are sought, and for which they may be used for substantive evidence;, (o) Production of the records, information, or employee testimony may implicate a substantial government interest; and, (p) Any other good cause.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1215"],"part_title":["PART 1215 - PRODUCTION OF FHFA RECORDS, INFORMATION, AND EMPLOYEE TESTIMONY IN THIRD-PARTY LEGAL PROCEEDINGS"],"section":["1215.6"],"section_title":["\u00a7 1215.6 Factors FHFA may consider."]},"_input_hash":660818272,"_task_hash":-1149685042,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846370,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Records. The General Counsel may impose conditions or restrictions on the release of nonpublic records, including a requirement that you obtain a protective order or execute a confidentiality agreement with the other parties in the legal proceeding that limits access to and any further disclosure of the nonpublic records. The terms of a confidentiality agreement or protective order must be acceptable to the General Counsel. In cases where protective orders or confidentiality agreements have already been executed, the NCUA may condition the release of nonpublic records on an amendment to the existing protective order or confidentiality agreement. , (b) Testimony. The General Counsel may impose conditions or restrictions on the testimony of NCUA employees, including, for example, limiting the areas of testimony or requiring you and the other parties to the legal proceeding to agree that the transcript of the testimony will be kept under seal or will only be used or made available in the particular legal proceeding for which you requested the testimony. The General Counsel may also require you to provide a copy of the transcript of the testimony to the NCUA at your expense. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["792"],"part_title":["PART 792 - REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION"],"section":["792.48"],"section_title":["\u00a7 792.48 If my request is granted, what restrictions apply?"]},"_input_hash":1051520940,"_task_hash":-405798143,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846384,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"If you are not satisfied with NCUA's response to your request, you can seek dispute resolution services from the FOIA Public Liaison and the Office of Government Information Services, and you can file an administrative appeal. Your appeal must be in writing and must be filed within 90 days from receipt of the initial determination (in cases of denials of the entire request or denials of a fee waiver or reduction), or from receipt of any records being made available pursuant to the initial determination (in cases of partial denials). In the response to your initial request, the Freedom of Information Act Officer or the Inspector General (or designee), will notify you that you may appeal any adverse determination to the Office of General Counsel. The General Counsel, or designee, as set forth in this paragraph, will:, (a) Make a determination with respect to any appeal within 20 working days after the receipt of such appeal. If, on appeal, the denial of the request for records is, in whole or in part, upheld, the Office of General Counsel will notify you of the provisions for judicial review of that determination under FOIA. Where you do not address your appeal to the General Counsel, the time limitations stated above will be computed from the date of receipt of the appeal by the General Counsel., (b) The General Counsel is the official responsible for determining all appeals from initial determinations. In case of this person's absence, the appropriate officer acting in the General Counsel's stead will make the appellate determination, unless such officer was responsible for the initial determination, in which case the Vice-Chairman of the NCUA Board will make the appellate determination., (c) All appeals should be addressed to the General Counsel in the Central Office and should be clearly identified as such on the envelope and in the letter of appeal by using the indicator \u201cFOIA-APPEAL.\u201d Failure to address an appeal properly may delay commencement of the time limitation stated in paragraph (a)(1) of this section, to take account of the time reasonably required to forward the appeal to the Office of General Counsel.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["792"],"part_title":["PART 792 - REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION"],"section":["792.28"],"section_title":["\u00a7 792.28 What if I am not satisfied with the response I receive?"]},"_input_hash":762334409,"_task_hash":765839088,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846408,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Scope. Any critically undercapitalized insured depository institution shall submit an application to pay principal or interest on subordinated debt. , (b) Content of filing. Applications shall describe the proposed payment and provide an explanation of action taken under section 38(h)(3)(A)(ii) of the FDI Act (action other than receivership or conservatorship). The application also shall explain how such payments would further the purposes of section 38 of the FDI Act (12 U.S.C. 1831o). Existing approvals pursuant to requests filed under section 18(i)(1) of the FDI Act (12 U.S.C. 1828(i)(1)) (capital stock reductions or retirements) shall not be deemed to be the permission needed pursuant to section 38.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["303"],"part_title":["PART 303 - FILING PROCEDURES"],"section":["303.206"],"section_title":["\u00a7 303.206 Application for payment of principal or interest on subordinated debt."]},"_input_hash":-498822371,"_task_hash":-570524377,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846420,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"The rules and procedures set forth in this subpart apply to State member banks that are subject to the provisions of section 39 of the Federal Deposit Insurance Act (section 39) (12 U.S.C. 1831p-1).","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["263"],"part_title":["PART 263 - RULES OF PRACTICE FOR HEARINGS"],"section":["263.300"],"section_title":["\u00a7 263.300 Scope."]},"_input_hash":-1130475636,"_task_hash":-339551534,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846446,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Capital distributions in general. An Enterprise shall make no capital distribution that would decrease the total capital of the Enterprise to an amount less than the risk-based capital level or the core capital of the Enterprise to an amount less than the minimum capital level without the prior written approval of OFHEO., (b) Capital distributions by an Enterprise that is not adequately capitalized - (1) Prohibited distributions. An Enterprise that is not classified as adequately capitalized shall make no capital distribution that would result in the Enterprise being classified into a lower capital classification than the one to which it is classified at the time of such distribution., (2) Restricted distributions. An Enterprise classified as significantly or critically undercapitalized shall make no capital distribution without the prior written approval of OFHEO. OFHEO may grant a request for such a capital distribution only if OFHEO determines, in its discretion, that the distribution:, (i) Will enhance the ability of the Enterprise to meet the risk-based capital level and the minimum capital level promptly;, (ii) Will contribute to the long-term financial safety and soundness of the Enterprise; or, (iii) Is otherwise in the public interest.","meta":{"chapter":["XVII"],"chapter_title":["CHAPTER XVII - OFFICE OF FEDERAL HOUSING ENTERPRISE OVERSIGHT, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT"],"subchapter":["C"],"subchapter_title":["SUBCHAPTER C - SAFETY AND SOUNDNESS"],"part":["1777"],"part_title":["PART 1777 - PROMPT CORRECTIVE ACTION"],"section":["1777.22"],"section_title":["\u00a7 1777.22 Limitation on capital distributions."]},"_input_hash":1972866137,"_task_hash":856055271,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846462,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) In accordance with policies prescribed by the board of directors of the Farm Credit Bank or agricultural credit bank and each production credit association and agricultural credit association (hereinafter association(s)), such association(s) may invest in notes, conditional sales contracts, and other similar obligations given to cooperatives and private dealers by farmers and ranchers eligible to borrow from such associations., (b) Such notes and other obligations evidencing purchases of farm machinery, supplies, equipment, home appliances, and other items of a capital nature handled by cooperatives and private dealers will be eligible for purchase as investments. , (c) The total amount which an association may invest in such obligations at any one time shall not exceed 15 percent of the balance of its loans outstanding at the close of the association's preceding fiscal year. In addition, the total amount which an association may invest in such obligations that are originated by any one cooperative or private dealer, at any one time, shall not exceed 50 percent of association capital and surplus., (d) All notes in which an association invests shall be endorsed with full recourse against the cooperative or dealer. The association shall contact each notemaker who meets the association's credit standards to encourage him to become a borrower. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["615"],"part_title":["PART 615 - FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS"],"section":["615.5172"],"section_title":["\u00a7 615.5172 Production credit association and agricultural credit association investment in farmers' notes given to cooperatives and dealers."]},"_input_hash":1889994871,"_task_hash":-1147543549,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846478,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Under the authority of section 206(b) of the Act (12 U.S.C. 1786(b)), the NCUA Board may terminate the insured status of an insured credit union upon the grounds set forth therein and enumerated in \u00a7 747.202. The procedure for terminating the insured status of an insured credit union as therein prescribed will be followed and hearings required thereunder will be conducted in accordance with the rules and procedures set forth in this subpart and subpart A of this part. To the extent any rule or procedure of subpart A is inconsistent with a rule or procedure prescribed in this subpart C, subpart C shall control.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.201"],"section_title":["\u00a7 747.201 Scope."]},"_input_hash":-531125652,"_task_hash":-279746029,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846505,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Any System institution, for the purpose of protecting the security position of the institution, may provide lists of borrowers to buyers, warehousemen, and others who deal in produce or livestock of the kind that secures such loans, except to the extent such actions are prohibited by State laws adopted in accordance with the Food Security Act of 1985, Pub. L. 99-198, 99 Stat. 1354. Lists of borrowers or stockholders shall not otherwise be released by any bank or association except in accordance with paragraph (b) of this section., (b)(1) Within 7 days after receipt of a written request by a stockholder, each Farm Credit bank or association must provide a current list of its stockholders' names, addresses, and classes of stock held to such requesting stockholder. As a condition to providing the list, the bank or association may only require that the stockholder agree and certify in writing that the stockholder will:, (i) Utilize the list exclusively for communicating with stockholders for permissible purposes; and, (ii) Not make the list available to any person, other than the stockholder's attorney or accountant, without first obtaining the written consent of the institution., (2) As an alternative to receiving a list of stockholders, a stockholder may request the institution mail or otherwise furnish to each stockholder a communication for a permissible purpose on behalf of the requesting stockholder. This alternative may be used at the discretion of the requesting stockholder, provided that the requester agrees to defray the reasonable costs of the communication. In the event the requester decides to exercise this option, the institution must provide the requester with a written estimate of the costs of handling and mailing the communication as soon as practicable after receipt of the stockholder's request to furnish a communication. However, a stockholder may not exercise this option when requesting the list to distribute campaign material for election to the institution board or board committees. Farm Credit banks and associations are prohibited from distributing or mailing campaign material under \u00a7 611.320(e) of this chapter., (3) For purposes of paragraph (b) of this section \u201cpermissible purpose\u201d is defined to mean matters relating to the business operations of the institutions. This includes matters relating to the effectiveness of management, the use of institution assets, the distribution by stockholder candidates of campaign material for election to the institution board or board committees, and the performance of directors and officers. This does not include communications involving commercial, social, political, or charitable causes, communications relating to the enforcement of a personal claim or the redress of a personal grievance, or proposals advocating that the bank or association violate any Federal, State, or local law or regulation., (c) In connection with preparing and submitting an electronic report of all System accounts and exposures to the Farm Credit Administration in accordance with the requirements of \u00a7 621.15 of this chapter, each bank and association may provide information from its lists of borrowers and stockholders to the Reporting Entity as defined in \u00a7 621.2 of this chapter.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["618"],"part_title":["PART 618 - GENERAL PROVISIONS"],"section":["618.8310"],"section_title":["\u00a7 618.8310 Lists of borrowers and stockholders."]},"_input_hash":-534800982,"_task_hash":-1045296604,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846586,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"The following restrictions on extensions of credit by a member bank to any of its executive officers apply in addition to any restrictions on extensions of credit by a member bank to insiders of itself or its affiliates set forth elsewhere in this part. The restrictions of this section apply only to executive officers of the member bank and not to executive officers of its affiliates. , (a) No member bank may extend credit to any of its executive officers, and no executive officer of a member bank shall borrow from or otherwise become indebted to the bank, except in the amounts, for the purposes, and upon the conditions specified in paragraphs (c) and (d) of this section. , (b) No member bank may extend credit in an aggregate amount greater than the amount permitted in paragraph (c)(4) of this section to a partnership in which one or more of the bank's executive officers are partners and, either individually or together, hold a majority interest. For the purposes of paragraph (c)(4) of this section, the total amount of credit extended by a member bank to such partnership is considered to be extended to each executive officer of the member bank who is a member of the partnership. , (c) A member bank is authorized to extend credit to any executive officer of the bank: , (1) In any amount to finance the education of the executive officer's children; , (2) In any amount to finance or refinance the purchase, construction, maintenance, or improvement of a residence of the executive officer, provided:, (i) The extension of credit is secured by a first lien on the residence and the residence is owned (or expected to be owned after the extension of credit) by the executive officer; and , (ii) In the case of a refinancing, that only the amount thereof used to repay the original extension of credit, together with the closing costs of the refinancing, and any additional amount thereof used for any of the purposes enumerated in this paragraph (c)(2), are included within this category of credit; , (3) In any amount, if the extension of credit is secured in a manner described in \u00a7 215.4(d)(3)(i)(A) through (d)(3)(i)(C) of this part; and , (4) For any other purpose not specified in paragraphs (c)(1) through (c)(3) of this section, if the aggregate amount of extensions of credit to that executive officer under this paragraph does not exceed at any one time the higher of 2.5 per cent of the bank's unimpaired capital and unimpaired surplus or $25,000, but in no event more than $100,000. , (d) Any extension of credit by a member bank to any of its executive officers shall be: , (1) Promptly reported to the member bank's board of directors; , (2) In compliance with the requirements of \u00a7 215.4(a) of this part; , (3) Preceded by the submission of a detailed current financial statement of the executive officer; and , (4) Made subject to the condition in writing that the extension of credit will, at the option of the member bank, become due and payable at any time that the officer is indebted to any other bank or banks in an aggregate amount greater than the amount specified for a category of credit in paragraph (c) of this section. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["215"],"part_title":["PART 215 - LOANS TO EXECUTIVE OFFICERS, DIRECTORS, AND PRINCIPAL SHAREHOLDERS OF MEMBER BANKS (REGULATION O)"],"section":["215.5"],"section_title":["\u00a7 215.5 Additional restrictions on loans to executive officers of member banks."]},"_input_hash":-1811903850,"_task_hash":489522543,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846720,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) In general - (1) Applicability. Except as provided in paragraphs (a)(2) or (c) of this section, a credit union, or a servicer acting on behalf of the credit union, shall require the escrow of all premiums and fees for any flood insurance required under \u00a7 760.3(a) for any designated loan secured by residential improved real estate or a mobile home that is made, increased, extended, or renewed on or after January 1, 2016, payable with the same frequency as payments on the designated loan are required to be made for the duration of the loan., (2) Exceptions. Paragraph (a)(1) of this section does not apply if:, (i) The loan is an extension of credit primarily for business, commercial, or agricultural purposes;, (ii) The loan is in a subordinate position to a senior lien secured by the same residential improved real estate or mobile home for which the borrower has obtained flood insurance coverage that meets the requirements of \u00a7 760.3(a);, (iii) Flood insurance coverage for the residential improved real estate or mobile home is provided by a policy that:, (A) Meets the requirements of \u00a7 760.3(a);, (B) Is provided by a condominium association, cooperative, homeowners association, or other applicable group; and, (C) The premium for which is paid by the condominium association, cooperative, homeowners association, or other applicable group as a common expense;, (iv) The loan is a home equity line of credit;, (v) The loan is a nonperforming loan, which is a loan that is 90 or more days past due and remains nonperforming until it is permanently modified or until the entire amount past due, including principal, accrued interest, and penalty interest incurred as the result of past due status, is collected or otherwise discharged in full; or, (vi) The loan has a term of not longer than 12 months., (3) Duration of exception. If a credit union, or a servicer acting on behalf of the credit union, determines at any time during the term of a designated loan secured by residential improved real estate or a mobile home that is made, increased, extended, or renewed on or after January 1, 2016, that an exception under paragraph (a)(2) of this section does not apply, then the credit union or its servicer shall require the escrow of all premiums and fees for any flood insurance required under \u00a7 760.3(a) as soon as reasonably practicable and, if applicable, shall provide any disclosure required under section 10 of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2609) (RESPA)., (4) Escrow account. The credit union, or a servicer acting on behalf of the credit union, shall deposit the flood insurance premiums and fees on behalf of the borrower in an escrow account. This escrow account will be subject to escrow requirements adopted pursuant to section 10 of RESPA, which generally limits the amount that may be maintained in escrow accounts for certain types of loans and requires escrow account statements for those accounts, only if the loan is otherwise subject to RESPA. Following receipt of a notice from the Administrator of FEMA or other provider of flood insurance that premiums are due, the credit union, or a servicer acting on behalf of the credit union, shall pay the amount owed to the insurance provider from the escrow account by the date when such premiums are due., (b) Notice. For any loan for which a credit union is required to escrow under paragraph (a) or paragraph (c)(2) of this section or may be required to escrow under paragraph (a)(3) of this section during the term of the loan, the credit union, or a servicer acting on behalf of the credit union, shall mail or deliver a written notice with the notice provided under \u00a7 760.9 informing the borrower that the credit union is required to escrow all premiums and fees for required flood insurance, using language that is substantially similar to model clauses on the escrow requirement in appendix A., (c) Small lender exception - (1) Qualification. Except as may be required under applicable State law, paragraphs (a), (b) and (d) of this section do not apply to a credit union:, (i) That has total assets of less than $1 billion as of December 31 of either of the two prior calendar years; and, (ii) On or before July 6, 2012:, (A) Was not required under Federal or State law to deposit taxes, insurance premiums, fees, or any other charges in an escrow account for the entire term of any loan secured by residential improved real estate or a mobile home; and, (B) Did not have a policy of consistently and uniformly requiring the deposit of taxes, insurance premiums, fees, or any other charges in an escrow account for any loans secured by residential improved real estate or a mobile home., (2) Change in status. If a credit union previously qualified for the exception in paragraph (c)(1) of this section, but no longer qualifies for the exception because it had assets of $1 billion or more for two consecutive calendar year ends, the credit union must escrow premiums and fees for flood insurance pursuant to paragraph (a) of this section for any designated loan made, increased, extended, or renewed on or after July 1 of the first calendar year of changed status., (d) Option to escrow - (1) In general. A credit union, or a servicer acting on behalf of the credit union, shall offer and make available to the borrower the option to escrow all premiums and fees for any flood insurance required under \u00a7 760.3 for any loan secured by residential improved real estate or a mobile home that is outstanding on January 1, 2016, or July 1 of the first calendar year in which the credit union has had a change in status pursuant to paragraph (c)(2) of this section, unless:, (i) The credit union or the loan qualifies for an exception from the escrow requirement under paragraphs (a)(2) or (c) of this section, respectively;, (ii) The borrower is already escrowing all premiums and fees for flood insurance for the loan; or, (iii) The credit union is required to escrow flood insurance premiums and fees pursuant to paragraph (a) of this section., (2) Notice. For any loan subject to paragraph (d) of this section, the credit union, or a servicer acting on behalf of the credit union, shall mail or deliver to the borrower no later than June 30, 2016, or September 30 of the first calendar year in which the credit union has had a change in status pursuant to paragraph (c)(2) of this section, a notice in writing, or if the borrower agrees, electronically, informing the borrower of the option to escrow all premiums and fees for any required flood insurance and the method(s) by which the borrower may request the escrow, using language similar to the model clause in appendix B to this part., (3) Timing. The credit union or servicer must begin escrowing premiums and fees for flood insurance as soon as reasonably practicable after the credit union or servicer receives the borrower's request to escrow.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["760"],"part_title":["PART 760 - LOANS IN AREAS HAVING SPECIAL FLOOD HAZARDS"],"section":["760.5"],"section_title":["\u00a7 760.5 Escrow requirement."]},"_input_hash":-1476818409,"_task_hash":-2054447522,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846747,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Notice of Funding Opportunity. NCUA will publish a Notice of Funding Opportunity in the Federal Register and on its Web site. The Notice of Funding Opportunity will describe the loan and technical assistance grant programs for the period in which funds are available. It also will announce special initiatives, the amount of funds available, funding priorities, permissible uses of funds, funding limits, deadlines, and other pertinent details. The Notice of Funding Opportunity will also advise potential applicants on how to obtain an Application and related materials. NCUA may supplement the information contained in the Notice of Funding Opportunity through such other media as it determines appropriate, including Letters to Credit Unions, press releases, direct notices to Qualifying Credit Unions, and announcements on its Web site., (b) Application requirements. A Qualifying Credit Union must demonstrate a sound financial position and ability to manage its day-to-day business affairs. It also must show that its planned use of proceeds is consistent with the purpose of the Program, the requirements of this part, and the related Notice of Funding Opportunity. The related Notice of Funding Opportunity may include additional details and requirements., (1) Applications to participate and qualify for a loan or technical assistance grant under the Program may be obtained from the National Credit Union Administration as outlined in the related Notice of Funding Opportunity., (2) With respect to loans, NCUA will also require a Qualifying Credit Union to develop and submit a narrative describing how the Qualifying Credit Union intends to use the money obtained from the Fund to enhance the products or services it provides to its membership and how those enhanced products or services support the membership and community served by the Qualifying Credit Union., (3) In addition to those items required in this section, a Qualifying Credit Union that is a non-federally insured credit union must also include the following:, (i) A copy of its most recent external audit report;, (ii) Proof of deposit and surety bond insurance which states the maximum insurance levels permitted by the policies;, (iii) A balance sheet, an income and expense statement, and a schedule of delinquent loans, for each of the four most recent quarter-ends;, (iv) Documentation of the credit union's status as a low-income credit union by the appropriate state supervisory agency consistent with NCUA Rules and Regulations at \u00a7\u00a7 701.34(a) and 741.204(b); and, (v) An agreement to be subject to examination by NCUA., (c) Evaluation and selection of Qualifying Credit Unions. NCUA will generally evaluate applications submitted by Qualifying Credit Unions in accordance with the criteria described in this section. Nothing in this section, however, precludes NCUA from considering other criteria included in the related Notice of Funding Opportunity that NCUA determines to be necessary based on the type of funding initiative, economic environment, or other factors or conditions that warrant the evaluation of additional or alternative criteria. Generally, NCUA will evaluate complete applications to determine if the Qualifying Credit Union satisfies the following:, (1) Financial and Performance. The Qualifying Credit Union must exhibit a safe and sound financial condition, including a demonstrated ability to perform the requirements associated with the type of award being sought and compliance with NCUA's underwriting standards. In this respect, NCUA will consider the Qualifying Credit Union's long-term financial viability, including absence of indicators suggesting the Qualifying Credit Union is a candidate for merger, a purchase and assumption transaction, or conservatorship. NCUA will also consider the Qualifying Credit Union's compliance with the provisions of any previous loan or technical assistance grant received. NCUA may also consider information concerning the Qualifying Credit Union to which it already has access, including information obtained through the examination process and data contained in Call Reports., (2) Compatibility. NCUA will evaluate whether the stated objectives to be accomplished through the use of the loan or technical assistance grant proceeds conform to the broad purposes and rationale underlying the Fund. Specifically, NCUA will consider whether the award will enable the Qualifying Credit Union to provide basic financial products and related services to its members or enhance its capacity to better serve its members and the community in which it operates. NCUA will also consider whether the use of the financial award will conform to any applicable funding priority, special initiative, or special instruction announced in the related Notice of Funding Opportunity., (3) Feasibility. NCUA will consider the likelihood of the Qualifying Credit Union's success in accomplishing its stated objectives, based on its Application and the factors NCUA determines are relevant., (4) Examination Information and Applicable Concurrence. In evaluating a Qualifying Credit Union, NCUA will consider all information provided by NCUA staff or state supervisory authority staff that performed the Qualifying Credit Union's most recent examination. In addition:, (i) NCUA will only provide a loan to a qualifying federal credit union with the concurrence of that credit union's supervising Regional Director; and, (ii) NCUA will only provide a loan to a qualifying state-charted credit union with the written concurrence of the applicable Regional Director and the credit union's state supervisory authority. A qualifying state-chartered credit union should notify its state supervisory authority that it is applying for a loan from the Fund before submitting its application to NCUA. However, a qualifying state-chartered credit union is not required to obtain concurrence before applying for a loan. NCUA will obtain the concurrence directly from the state supervisory authority rather than through the qualifying state-chartered credit union. Additionally, before NCUA will provide a loan to a qualifying state-charted credit union the credit union must make copies of its state examination reports available to NCUA and agree to examination by NCUA., (d) Requests for additional information. NCUA will make its funding determinations among the several qualified Applications based on its discretion and consideration of which best meet the priorities and initiatives established and announced by NCUA. During its evaluation process, however, NCUA may request a Qualifying Credit Union to provide additional clarifying or technical information to support its application. NCUA may determine not to provide further consideration of any Application failing to provide additional required information., (e) Timing. NCUA will announce, in the related Notice of Funding Opportunity, the deadline for Qualifying Credit Unions to submit all required documentation, including the Application. Failure to submit all of the requested information or to submit the information within the timeframe specified in the Notice of Funding Opportunity, or in the case of requests for additional clarifying or technical information, within the time specified by NCUA, may result in rejection of the Application without further consideration., (f) Notice of Award. NCUA will determine whether an application meets NCUA's standards established by this part and the related Notice of Funding Opportunity. NCUA will provide written notice to a Qualifying Credit Union as to whether or not it has qualified for a loan or technical assistance grant under this part. A Qualifying Credit Union whose application has been denied for failure of a qualification may appeal that decision in accordance with \u00a7 705.10 of this part., (g) Disbursement - (1) Loans. Before NCUA will disburse a loan, the Participating Credit Union must sign the loan agreement, promissory note, and any other loan related documents. NCUA may, in its discretion, choose not to disburse the entire amount of the loan at once., (2) Technical Assistance Grants. NCUA will disburse technical assistance grants in such amounts, and in accordance with such terms and conditions, as NCUA may establish. In general, technical assistance grants are provided on a reimbursement basis, to cover expenditures approved in advance by NCUA and supported by receipts evidencing payment by the Participating Credit Union.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["705"],"part_title":["PART 705 - COMMUNITY DEVELOPMENT REVOLVING LOAN FUND ACCESS FOR CREDIT UNIONS"],"section":["705.7"],"section_title":["\u00a7 705.7 Application and award processes."]},"_input_hash":1002913605,"_task_hash":-2022145139,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846784,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) For purposes of calculating its liquidity coverage ratio and the components thereof under this subpart, a Board-regulated institution shall assume an asset or transaction matures:, (1) With respect to an instrument or transaction subject to \u00a7 249.32, on the earliest possible contractual maturity date or the earliest possible date the transaction could occur, taking into account any option that could accelerate the maturity date or the date of the transaction, except that when considering the earliest possible contractual maturity date or the earliest possible date the transaction could occur, the Board-regulated institution should exclude any contingent options that are triggered only by regulatory actions or changes in law or regulation, as follows:, (i) If an investor or funds provider has an option that would reduce the maturity, the Board-regulated institution must assume that the investor or funds provider will exercise the option at the earliest possible date;, (ii) If an investor or funds provider has an option that would extend the maturity, the Board-regulated institution must assume that the investor or funds provider will not exercise the option to extend the maturity;, (iii) If the Board-regulated institution has an option that would reduce the maturity of an obligation, the Board-regulated institution must assume that the Board-regulated institution will exercise the option at the earliest possible date, except if either of the following criteria are satisfied, in which case the maturity of the obligation for purposes of this part will be the original maturity date at issuance:, (A) The original maturity of the obligation is greater than one year and the option does not go into effect for a period of 180 days following the issuance of the instrument; or, (B) The counterparty is a sovereign entity, a U.S. government-sponsored enterprise, or a public sector entity., (iv) If the Board-regulated institution has an option that would extend the maturity of an obligation it issued, the Board-regulated institution must assume the Board-regulated institution will not exercise that option to extend the maturity; and, (v) If an option is subject to a contractually defined notice period, the Board-regulated institution must determine the earliest possible contractual maturity date regardless of the notice period., (2) With respect to an instrument or transaction subject to \u00a7 249.33, on the latest possible contractual maturity date or the latest possible date the transaction could occur, taking into account any option that could extend the maturity date or the date of the transaction, except that when considering the latest possible contractual maturity date or the latest possible date the transaction could occur, the Board-regulated institution may exclude any contingent options that are triggered only by regulatory actions or changes in law or regulation, as follows:, (i) If the borrower has an option that would extend the maturity, the Board-regulated institution must assume that the borrower will exercise the option to extend the maturity to the latest possible date;, (ii) If the borrower has an option that would reduce the maturity, the Board-regulated institution must assume that the borrower will not exercise the option to reduce the maturity;, (iii) If the Board-regulated institution has an option that would reduce the maturity of an instrument or transaction, the Board-regulated institution must assume the Board-regulated institution will not exercise the option to reduce the maturity;, (iv) If the Board-regulated institution has an option that would extend the maturity of an instrument or transaction, the Board-regulated institution must assume the Board-regulated institution will exercise the option to extend the maturity to the latest possible date; and, (v) If an option is subject to a contractually defined notice period, the Board-regulated institution must determine the latest possible contractual maturity date based on the borrower using the entire notice period., (3) With respect to a transaction subject to \u00a7 249.33(f)(1)(iii) through (vii) (secured lending transactions) or \u00a7 249.33(f)(2)(ii) through (x) (asset exchanges), to the extent the transaction is secured by collateral that has been pledged in connection with either a secured funding transaction or asset exchange that has a remaining maturity of 30 calendar days or less as of the calculation date, the maturity date is the later of the maturity date determined under paragraph (a)(2) of this section for the secured lending transaction or asset exchange or the maturity date determined under paragraph (a)(1) of this section for the secured funding transaction or asset exchange for which the collateral has been pledged., (4) With respect to a transaction that has an open maturity, is not an operational deposit, and is subject to the provisions of \u00a7 249.32(h)(2), (h)(5), (j), or (k) or \u00a7 249.33(d) or (f), the maturity date is the first calendar day after the calculation date. Any other transaction that has an open maturity and is subject to the provisions of \u00a7 249.32 shall be considered to mature within 30 calendar days of the calculation date., (5) With respect to a transaction subject to the provisions of \u00a7 249.33(g), on the date of the next scheduled calculation of the amount required under applicable legal requirements for the protection of customer assets with respect to each broker-dealer segregated account, in accordance with the Board-regulated institution's normal frequency of recalculating such requirements., (b) Reserved","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["249"],"part_title":["PART 249 - LIQUIDITY RISK MEASUREMENT, STANDARDS, AND MONITORING (REGULATION WW)"],"section":["249.31"],"section_title":["\u00a7 249.31 Determining maturity."]},"_input_hash":1749810101,"_task_hash":1957336223,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846800,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Banks for cooperatives and agricultural credit banks, under policies adopted by their boards of directors, may issue, advise, or confirm import or export letters of credit in accordance with the Uniform Commercial Code, or the Uniform Customs and Practice for Documentary Credits, to or on behalf of its customers. In addition, as a matter of sound banking practice, letters of credit shall be issued in conformity with the list which follows., (a) Each letter of credit shall be in writing and shall conspicuously state that it is a letter of credit, or be conspicuously entitled as such., (b) The letter of credit shall contain a specified expiration date or be for a definite term., (c) The letter of credit shall contain a sum certain., (d) The bank's obligation to pay should arise only upon fulfilling the terms and conditions as specified in the letter of credit. The bank must not be called upon to determine questions of fact or law at issue between the account party and the beneficiary., (e) The bank's customer should have an unqualified obligation to reimburse the bank for payments made under the letter of credit., (f) All letters of credit shall be irrevocable.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4720"],"section_title":["\u00a7 614.4720 Letters of credit."]},"_input_hash":1583113286,"_task_hash":392367420,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846814,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Each Federal Reserve Bank is hereby authorized as fiscal agent of the Funding Corporation to perform functions with respect to the issuance of Book-entry Funding Corporation Securities offered and sold by the Funding Corporation, in accordance with the Securities Documentation, and Federal Reserve Bank Operating Circulars; to service and maintain Book-entry Funding Corporation Securities in accounts established for such purposes; to make payments of principal and interest with respect to such Book-entry Funding Corporation Securities as directed by the Funding Corporation; to effect transfer of Book-entry Funding Corporation Securities between Participants' Securities Accounts as directed by the Participants; and to perform such other duties as fiscal agent as may be requested by the Funding Corporation. , (b) Each Federal Reserve Bank may issue Operating Circulars not inconsistent with this Part, governing the details of its handling of Book-entry Funding Corporation Securities, Security Entitlements, and the operation of the Book-Entry System under this Part. ","meta":{"chapter":["XV"],"chapter_title":["CHAPTER XV - DEPARTMENT OF THE TREASURY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - RESOLUTION FUNDING CORPORATION"],"part":["1511"],"part_title":["PART 1511 - BOOK-ENTRY PROCEDURE"],"section":["1511.6"],"section_title":["\u00a7 1511.6 Authority of Federal Reserve Banks."]},"_input_hash":1933377335,"_task_hash":1720481199,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846835,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Scope. This part applies to each insured depository institution that qualifies as a \u201crecords entity\u201d under the definition set forth in \u00a7 371.2(r)., (b) Purpose. This part establishes recordkeeping requirements with respect to qualified financial contracts for insured depository institutions that are in a troubled condition., (c) Compliance dates. (1) Within 3 business days of becoming a records entity, the records entity shall provide to the FDIC, in writing, the name and contact information for the person at the records entity who is responsible for recordkeeping under this part and, unless not required to maintain files in electronic form pursuant to \u00a7 371.4(d), a directory of the electronic files that will be used to maintain the information required to be kept by this part., (2) Except as provided in \u00a7 371.6:, (i) A records entity, other than an accelerated records entity, shall comply with all applicable recordkeeping requirements of this part within 270 days after it becomes a records entity., (ii) An accelerated records entity shall comply with all applicable recordkeeping requirements of this part within 60 days after it becomes a records entity., (iii) Notwithstanding paragraphs (c)(2)(i) and (ii) of this section, a records entity that becomes an accelerated records entity after it became a records entity shall comply with all applicable recordkeeping requirements of this part within 60 days after it becomes an accelerated records entity or its original 270 day compliance period, whichever time period is shorter., (d) Extensions of time to comply. The FDIC may, in its discretion, grant one or more extensions of time for compliance with the recordkeeping requirements of this part., (1) Except as provided in paragraph (d)(2) of this section, no single extension for a records entity shall be for a period of more than 120 days., (2) For a records entity that is an accelerated records entity at the time of a request for an extension, no single extension shall be for a period of more than 30 days., (3) A records entity may request an extension of time by submitting a written request to the FDIC at least 15 days prior to the deadline for its compliance with the recordkeeping requirements of this part. The written request for an extension must contain a statement of the reasons why the records entity cannot comply by the deadline for compliance, a project plan (including timeline) for achieving compliance, and a progress report describing the steps taken to achieve compliance.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["371"],"part_title":["PART 371 - RECORDKEEPING REQUIREMENTS FOR QUALIFIED FINANCIAL CONTRACTS"],"section":["371.1"],"section_title":["\u00a7 371.1 Scope, purpose, and compliance dates."]},"_input_hash":1423877613,"_task_hash":-1882787773,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846859,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Mandatory supervisory actions - (1) Provisions applicable to all FDIC-supervised institutions. All FDIC-supervised institutions are subject to the restrictions contained in section 38(d) of the FDI Act on payment of capital distributions and management fees., (2) Provisions applicable to undercapitalized, significantly undercapitalized, and critically undercapitalized FDIC-supervised institution. Immediately upon receiving notice or being deemed to have notice, as provided in \u00a7 324.402, that the FDIC-supervised institution is undercapitalized, significantly undercapitalized, or critically undercapitalized, it shall become subject to the provisions of section 38 of the FDI Act:, (i) Restricting payment of capital distributions and management fees (section 38(d) of the FDI Act);, (ii) Requiring that the FDIC monitor the condition of the FDIC-supervised institution (section 38(e)(1) of the FDI Act);, (iii) Requiring submission of a capital restoration plan within the schedule established in this subpart (section 38(e)(2) of the FDI Act);, (iv) Restricting the growth of the FDIC-supervised institution's assets (section 38(e)(3) of the FDI Act); and, (v) Requiring prior approval of certain expansion proposals (section 38(e)(4) of the FDI Act)., (3) Additional provisions applicable to significantly undercapitalized, and critically undercapitalized FDIC-supervised institutions. In addition to the provisions of section 38 of the FDI Act described in paragraph (a)(2) of this section, immediately upon receiving notice or being deemed to have notice, as provided in \u00a7 324.402, that the FDIC-supervised institution is significantly undercapitalized, or critically undercapitalized, or that the FDIC-supervised institution is subject to the provisions applicable to institutions that are significantly undercapitalized because the FDIC-supervised institution failed to submit or implement in any material respect an acceptable capital restoration plan, the FDIC-supervised institution shall become subject to the provisions of section 38 of the FDI Act that restrict compensation paid to senior executive officers of the institution (section 38(f)(4) of the FDI Act)., (4) Additional provisions applicable to critically undercapitalized institutions. (i) In addition to the provisions of section 38 of the FDI Act described in paragraphs (a)(2) and (a)(3) of this section, immediately upon receiving notice or being deemed to have notice, as provided in \u00a7 324.402, that the insured depository institution is critically undercapitalized, the institution is prohibited from doing any of the following without the FDIC's prior written approval:, (A) Entering into any material transaction other than in the usual course of business, including any investment, expansion, acquisition, sale of assets, or other similar action with respect to which the depository institution is required to provide notice to the appropriate Federal banking agency;, (B) Extending credit for any highly leveraged transaction;, (C) Amending the institution's charter or bylaws, except to the extent necessary to carry out any other requirement of any law, regulation, or order;, (D) Making any material change in accounting methods;, (E) Engaging in any covered transaction (as defined in section 23A(b) of the Federal Reserve Act (12 U.S.C. 371c(b)));, (F) Paying excessive compensation or bonuses;, (G) Paying interest on new or renewed liabilities at a rate that would increase the institution's weighted average cost of funds to a level significantly exceeding the prevailing rates of interest on insured deposits in the institution's normal market areas; and, (H) Making any principal or interest payment on subordinated debt beginning 60 days after becoming critically undercapitalized except that this restriction shall not apply, until July 15, 1996, with respect to any subordinated debt outstanding on July 15, 1991, and not extended or otherwise renegotiated after July 15, 1991., (ii) In addition, the FDIC may further restrict the activities of any critically undercapitalized institution to carry out the purposes of section 38 of the FDI Act., (iii) The FDIC-supervised institution must remain in compliance with the plan or is operating under a written agreement with the appropriate Federal banking agency., (b) Discretionary supervisory actions. In taking any action under section 38 of the FDI Act that is within the FDIC's discretion to take in connection with:, (1) An insured depository institution that is deemed to be undercapitalized, significantly undercapitalized, or critically undercapitalized, or has been reclassified as undercapitalized, or significantly undercapitalized; or, (2) An officer or director of such institution, the FDIC shall follow the procedures for issuing directives under \u00a7\u00a7 308.201 and 308.203 of this chapter, unless otherwise provided in section 38 of the FDI Act or this subpart H.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["324"],"part_title":["PART 324 - CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS"],"section":["324.405"],"section_title":["\u00a7 324.405 Mandatory and discretionary supervisory actions."]},"_input_hash":-2107007256,"_task_hash":-440272060,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846879,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Reclassification based on unsafe or unsound condition or practice - (1) Issuance of notice of proposed reclassification - (i) Grounds for reclassification. (A) Pursuant to \u00a7 324.403(d) of this chapter, the FDIC may reclassify a well-capitalized FDIC-supervised institution as adequately capitalized or subject an adequately capitalized or undercapitalized institution to the supervisory actions applicable to the next lower capital category if:, (1) The FDIC determines that the FDIC-supervised institution is in unsafe or unsound condition; or, (2) The FDIC, pursuant to section 8(b)(8) of the FDI Act (12 U.S.C. 1818(b)(8)), deems the FDIC-supervised institution to be engaged in an unsafe or unsound practice and not to have corrected the deficiency., (B) Any action pursuant to this paragraph (a)(1)(i) shall be referred to in this section as reclassification., (ii) Prior notice to institution. Prior to taking action pursuant to \u00a7 324.403(d) of this chapter, the FDIC shall issue and serve on the FDIC-supervised institution a written notice of the FDIC's intention to reclassify it., (2) Contents of notice. A notice of intention to reclassify an FDIC-supervised institution based on unsafe or unsound condition shall include:, (i) A statement of the FDIC-supervised institution's capital measures and capital levels and the category to which the FDIC-supervised institution would be reclassified;, (ii) The reasons for reclassification of the FDIC-supervised institution; and, (iii) The date by which the FDIC-supervised institution subject to the notice of reclassification may file with the FDIC a written appeal of the proposed reclassification and a request for a hearing, which shall be at least 14 calendar days from the date of service of the notice unless the FDIC determines that a shorter period is appropriate in light of the financial condition of the FDIC-supervised institution or other relevant circumstances., (3) Response to notice of proposed reclassification. An FDIC-supervised institution may file a written response to a notice of proposed reclassification within the time period set by the FDIC. The response should include:, (i) An explanation of why the FDIC-supervised institution is not in an unsafe or unsound condition or otherwise should not be reclassified; and, (ii) Any other relevant information, mitigating circumstances, documentation, or other evidence in support of the position of the FDIC-supervised institution regarding the reclassification., (4) Failure to file response. Failure by an FDIC-supervised institution to file, within the specified time period, a written response with the FDIC to a notice of proposed reclassification shall constitute a waiver of the opportunity to respond and shall constitute consent to the reclassification., (5) Request for hearing and presentation of oral testimony or witnesses. The response may include a request for an informal hearing before the FDIC under this section. If the FDIC-supervised institution desires to present oral testimony or witnesses at the hearing, the FDIC-supervised institution shall include a request to do so with the request for an informal hearing. A request to present oral testimony or witnesses shall specify the names of the witnesses and the general nature of their expected testimony. Failure to request a hearing shall constitute a waiver of any right to a hearing, and failure to request the opportunity to present oral testimony or witnesses shall constitute a waiver of any right to present oral testimony or witnesses., (6) Order for informal hearing. Upon receipt of a timely written request that includes a request for a hearing, the FDIC shall issue an order directing an informal hearing to commence no later than 30 days after receipt of the request, unless the FDIC allows further time at the request of the FDIC-supervised institution. The hearing shall be held in Washington, DC, or at such other place as may be designated by the FDIC before a presiding officer(s) designated by the FDIC to conduct the hearing., (7) Hearing procedures. (i) The FDIC-supervised institution shall have the right to introduce relevant written materials and to present oral argument at the hearing. The FDIC-supervised institution may introduce oral testimony and present witnesses only if expressly authorized by the FDIC or the presiding officer(s). Neither the provisions of the Administrative Procedure Act (5 U.S.C. 554-557) governing adjudications required by statute to be determined on the record nor the Uniform Rules of Practice and Procedure in this part apply to an informal hearing under this section unless the FDIC orders that such procedures shall apply., (ii) The informal hearing shall be recorded, and a transcript shall be furnished to the FDIC-supervised institution upon request and payment of the cost thereof. Witnesses need not be sworn, unless specifically requested by a party or the presiding officer(s). The presiding officer(s) may ask questions of any witness., (iii) The presiding officer(s) may order that the hearing be continued for a reasonable period (normally five business days) following completion of oral testimony or argument to allow additional written submissions to the hearing record., (8) Recommendation of presiding officers. Within 20 calendar days following the date the hearing and the record on the proceeding are closed, the presiding officer(s) shall make a recommendation to the FDIC on the reclassification., (9) Time for decision. Not later than 60 calendar days after the date the record is closed or the date of the response in a case where no hearing was requested, the FDIC will decide whether to reclassify the FDIC-supervised institution and notify the FDIC-supervised institution of the FDIC's decision., (b) Request for rescission of reclassification. Any FDIC-supervised institution that has been reclassified under this section, may, upon a change in circumstances, request in writing that the FDIC reconsider the reclassification and may propose that the reclassification be rescinded and that any directives issued in connection with the reclassification be modified, rescinded, or removed. Unless otherwise ordered by the FDIC, the FDIC-supervised institution shall remain subject to the reclassification and to any directives issued in connection with that reclassification while such request is pending before the FDIC.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.202"],"section_title":["\u00a7 308.202 Procedures for reclassifying an FDIC-supervised institution based on criteria other than capital."]},"_input_hash":958107145,"_task_hash":343110287,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846898,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) General rule. In computing any period of time prescribed or allowed by this subpart, the date of the act or event from which the designated period of time begins to run is not to be included. The last day so computed shall be included, unless it is a Saturday, Sunday or Federal holiday, in which event the period shall run until the end of the next day which is not a Saturday, Sunday, or Federal holiday. When the period of time prescribed or allowed is 10 days or less, intermediate Saturdays, Sundays, and Federal holidays shall not be included in the computation., (b) Service by mail. Whenever any party has the right or is required to do some act within the period of time prescribed in this subpart after the service upon the party of any document or other paper of any kind, and such service is made by mail, three days shall be added to the prescribed period from the date when the matter served is deposited in the United States mail. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["622"],"part_title":["PART 622 - RULES OF PRACTICE AND PROCEDURE"],"section":["622.21"],"section_title":["\u00a7 622.21 Computing time."]},"_input_hash":21830828,"_task_hash":-248819836,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846909,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) This part interprets several of the provisions of Sections 107(7), 107(8), and 107(15) of the Federal Credit Union Act (Act), 12 U.S.C. 1757(7), 1757(8), 1757(15), which list those securities, deposits, and other obligations in which a Federal credit union may invest. Part 703 identifies certain investments and deposit activities permissible under the Act and prescribes regulations governing those investments and deposit activities on the basis of safety and soundness concerns. Additionally, part 703 identifies and prohibits certain investments and deposit activities. Investments and deposit activities that are permissible under the Act and not prohibited or otherwise regulated by part 703 remain permissible for Federal credit unions. , (b) This part does not apply to: , (1) Investment in loans to members and related activities, which is governed by \u00a7\u00a7 701.21, 701.22, 701.23, and part 723 of this chapter; , (2) The purchase of real estate-secured loans pursuant to Section 107(15)(A) of the Act, which is governed by \u00a7 701.23 of this chapter, except those real estate-secured loans purchased as a part of an investment repurchase transaction, which is governed by \u00a7\u00a7 703.13 and 703.14 of this chapter;, (3) Investment in credit union service organizations, which is governed by part 712 of this chapter; , (4) Investment in fixed assets, which is governed by \u00a7 701.36 of this chapter; , (5) Investment by corporate credit unions, which is governed by part 704 of this chapter. , (6) Investment activity by State-chartered credit unions, except as provided in \u00a7\u00a7 741.3(a)(2) and 741.219 of this chapter; or, (7) Funding a Charitable Donation Account pursuant to \u00a7 721.3(b) of this chapter.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["703"],"part_title":["PART 703 - INVESTMENT AND DEPOSIT ACTIVITIES"],"section":["703.1"],"section_title":["\u00a7 703.1 Purpose and scope."]},"_input_hash":-2114869650,"_task_hash":1154934901,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846959,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) A foreign banking organization subject to this subpart with average total consolidated assets of $250 billion or more must report to the Board on an annual basis the results of an internal liquidity stress test for either the consolidated operations of the foreign banking organization or the combined U.S. operations of the foreign banking organization. Such liquidity stress test must be conducted consistent with the Basel Committee principles for liquidity risk management and must incorporate 30-day, 90-day, and one-year stress-test horizons. The \u201cBasel Committee principles for liquidity risk management\u201d means the document titled \u201cPrinciples for Sound Liquidity Risk Management and Supervision\u201d (September 2008) as published by the Basel Committee on Banking Supervision, as supplemented and revised from time to time., (b) A foreign banking organization that does not comply with paragraph (a) of this section must limit the net aggregate amount owed by the foreign banking organization's non-U.S. offices and its non-U.S. affiliates to the combined U.S. operations to 25 percent or less of the third party liabilities of its combined U.S. operations, on a daily basis.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["252"],"part_title":["PART 252 - ENHANCED PRUDENTIAL STANDARDS (REGULATION YY)"],"section":["252.145"],"section_title":["\u00a7 252.145 Liquidity risk-management requirements for foreign banking organizations with total consolidated assets of $250 billion or more and combined U.S. assets of less than $100 billion."]},"_input_hash":2043890494,"_task_hash":244250112,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846980,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"The rules formerly at 12 CFR part 761 have been republished by the Consumer Financial Protection Bureau at 12 CFR part 1007, \u201cS.A.F.E. Mortgage Licensing Act - Federal Registration of Residential Mortgage Loan Originators (Regulation G)\u201d.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["761"],"part_title":["PART 761 - REGISTRATION OF RESIDENTIAL MORTGAGE LOAN ORIGINATORS"],"section":["761.1"],"section_title":["\u00a7 761.1 Cross reference."]},"_input_hash":1268114216,"_task_hash":-599560729,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711846994,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Notice of submission to NCUA Board. When the NCUA Board determines that the record in the proceeding is complete, the NCUA Board shall serve notice upon the parties that the proceeding has been submitted to the NCUA Board for final decision. , (b) Oral argument before NCUA Board. Upon the initiative of the NCUA Board or on the written request of any party filed with the NCUA Board within the time for filing exceptions, the NCUA Board may order and hear oral argument on the recommended findings, conclusions, decision, and order of the administrative law judge. A written request by a party must show good cause for oral argument and state reasons why arguments cannot be presented adequately in writing. A denial of a request for oral argument may be set forth in the NCUA Board's final decision. Oral argument before the NCUA Board must be on the record. , (c) Final Decision of NCUA Board. (1) Decisional employees may advise and assist the NCUA Board in the consideration and disposition of the case. The final decision of the NCUA Board will be based upon review of the entire record of the proceeding, except that the NCUA Board may limit the issues to be reviewed to those findings and conclusions to which opposing arguments or exceptions have been filed by the parties. , (2) The NCUA Board shall render a final decision within 90 days after notification of the parties that the case has been submitted for final decision, or 90 days after oral argument, whichever is later, unless the NCUA Board orders that the action or any aspect thereof be remanded to the administrative law judge for further proceedings. Copies of the final decision and order of the NCUA Board shall be served upon each party to the proceeding, upon other persons required by statute, and, if directed by the NCUA Board or required by statute, upon any appropriate state or Federal supervisory authority.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.40"],"section_title":["\u00a7 747.40 Review by the NCUA Board."]},"_input_hash":-1542914175,"_task_hash":-1102290664,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847008,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"You may request expedited processing of your request if you can show a compelling need for the records. In cases where your request for expedited processing is granted or if NCUA has determined to expedite the response, it will be processed as soon as practicable., (a) To demonstrate a compelling need for expedited processing, you must provide a certified statement. The statement, certified by you to be true and correct to the best of your knowledge and belief, must demonstrate that:, (1) The failure to obtain the records on an expedited basis could reasonably be expected to pose an imminent threat to the life or physical safety of an individual; or, (2) The requester is a representative of the news media, as defined in \u00a7 792.20, and there is urgency to inform the public concerning actual or alleged NCUA activity., (b) In response to a request for expedited processing, the Information Center will notify you of the determination within ten working days of receipt of the request. If the Information Center denies your request for expedited processing, you may file an appeal pursuant to the procedures set forth in \u00a7 792.28, and NCUA will expeditiously respond to the appeal., (c) The Information Center will normally process requests in the order they are received in the separate processing tracks. However, in NCUA's discretion, a particular request may be processed out of turn.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["792"],"part_title":["PART 792 - REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION"],"section":["792.18"],"section_title":["\u00a7 792.18 What if my request is urgent and I cannot wait for the records?"]},"_input_hash":-213519782,"_task_hash":-911408500,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847025,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Audited financial statements. Each insured depository institution shall prepare annual financial statements in accordance with GAAP, which shall be audited by an independent public accountant. The annual financial statements must reflect all material correcting adjustments necessary to conform with GAAP that were identified by the independent public accountant., (b) Management report. Each insured depository institution annually shall prepare, as of the end of the institution's most recent fiscal year, a management report that must contain the following:, (1) A statement of management's responsibilities for preparing the institution's annual financial statements, for establishing and maintaining an adequate internal control structure and procedures for financial reporting, and for complying with laws and regulations relating to safety and soundness that are designated by the FDIC and the appropriate Federal banking agency;, (2) An assessment by management of the insured depository institution's compliance with such laws and regulations during such fiscal year. The assessment must state management's conclusion as to whether the insured depository institution has complied with the designated safety and soundness laws and regulations during the fiscal year and disclose any noncompliance with these laws and regulations; and, (3) For an insured depository institution with consolidated total assets of $1 billion or more as of the beginning of such fiscal year, an assessment by management of the effectiveness of such internal control structure and procedures as of the end of such fiscal year that must include the following:, (i) A statement identifying the internal control framework 14 used by management to evaluate the effectiveness of the insured depository institution's internal control over financial reporting;, 14 For example, in the United States, the Committee of Sponsoring Organizations (COSO) of the Treadway Commission has published Internal Control - Integrated Framework, including an addendum on safeguarding assets. Known as the COSO report, this publication provides a suitable and available framework for purposes of management's assessment., (ii) A statement that the assessment included controls over the preparation of regulatory financial statements in accordance with regulatory reporting instructions including identification of such regulatory reporting instructions; and, (iii) A statement expressing management's conclusion as to whether the insured depository institution's internal control over financial reporting is effective as of the end of its fiscal year. Management must disclose all material weaknesses in internal control over financial reporting, if any, that it has identified that have not been remediated prior to the insured depository institution's fiscal year-end. Management is precluded from concluding that the institution's internal control over financial reporting is effective if there are one or more material weaknesses., (c) Management report signatures. Subject to the criteria specified in \u00a7 363.1(b):, (1) If the audited financial statements requirement specified in \u00a7 363.2(a) is satisfied at the insured depository institution level and the management report requirement specified in \u00a7 363.2(b) is satisfied in its entirety at the insured depository institution level, the management report must be signed by the chief executive officer and the chief accounting officer or chief financial officer of the insured depository institution;, (2) If the audited financial statements requirement specified in \u00a7 363.2(a) is satisfied at the holding company level and the management report requirement specified in \u00a7 363.2(b) is satisfied in its entirety at the holding company level, the management report must be signed by the chief executive officer and the chief accounting officer or chief financial officer of the holding company; and, (3) If the audited financial statements requirement specified in \u00a7 363.2(a) is satisfied at the holding company level and (i) the management report requirement specified in \u00a7 363.2(b) is satisfied in its entirety at the insured depository institution level or (ii) one or more of the components of the management report specified in \u00a7 363.2(b) is satisfied at the holding company level and the remaining components of the management report are satisfied at the insured depository institution level, the management report must be signed by the chief executive officers and the chief accounting officers or chief financial officers of both the holding company and the insured depository institution and the management report must clearly indicate the level (institution or holding company) at which each of its components is being satisfied.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["363"],"part_title":["PART 363 - ANNUAL INDEPENDENT AUDITS AND REPORTING REQUIREMENTS"],"section":["363.2"],"section_title":["\u00a7 363.2 Annual reporting requirements."]},"_input_hash":-1895724724,"_task_hash":307660742,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847037,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Solicitation of memberships, dues or other internal labor organization business shall be conducted during the nonduty hours of the employees concerned. Officially requested or approved consultation between management executives and representatives of a labor organization shall, whenever practicable, be conducted on official time, but the President or a duly authorized officer of a Bank may require that negotiations with a labor organization be conducted during the nonduty hours of the Bank.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["269"],"part_title":["PART 269 - POLICY ON LABOR RELATIONS FOR THE FEDERAL RESERVE BANKS"],"section":["269.10"],"section_title":["\u00a7 269.10 Time for internal labor organization business, consultations and negotiations."]},"_input_hash":71707892,"_task_hash":642153560,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847052,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Scope. This section applies to banks that are members of the Federal Reserve System (other than national banks) and their respective operating subsidiaries, branches and agencies of foreign banks (other than Federal branches, Federal Agencies, and insured State branches of foreign banks), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act (12 U.S.C. 601 et seq., and 611 et seq.), and bank holding companies and affiliates of such holding companies (other than depository institutions and consumer reporting agencies)., (b) Limits on redisclosure. If a person described in paragraph (a) of this section receives medical information about a consumer from a consumer reporting agency or its affiliate, the person must not disclose that information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["222"],"part_title":["PART 222 - FAIR CREDIT REPORTING (REGULATION V)"],"section":["222.31"],"section_title":["\u00a7 222.31 Limits on redisclosure of information."]},"_input_hash":-72003395,"_task_hash":-1552698141,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847063,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Available approaches. (1) Unless the exposure meets the requirements for a community development equity exposure in \u00a7 324.152(b)(3)(i), an FDIC-supervised institution must determine the risk-weighted asset amount of an equity exposure to an investment fund under the full look-through approach in paragraph (b) of this section, the simple modified look-through approach in paragraph (c) of this section, or the alternative modified look-through approach in paragraph (d) of this section., (2) The risk-weighted asset amount of an equity exposure to an investment fund that meets the requirements for a community development equity exposure in \u00a7 324.152(b)(3)(i) is its adjusted carrying value., (3) If an equity exposure to an investment fund is part of a hedge pair and the FDIC-supervised institution does not use the full look-through approach, the FDIC-supervised institution may use the ineffective portion of the hedge pair as determined under \u00a7 324.152(c) as the adjusted carrying value for the equity exposure to the investment fund. The risk-weighted asset amount of the effective portion of the hedge pair is equal to its adjusted carrying value., (b) Full look-through approach. An FDIC-supervised institution that is able to calculate a risk-weighted asset amount for its proportional ownership share of each exposure held by the investment fund (as calculated under this subpart E of this part as if the proportional ownership share of each exposure were held directly by the FDIC-supervised institution) may either:, (1) Set the risk-weighted asset amount of the FDIC-supervised institution's exposure to the fund equal to the product of:, (i) The aggregate risk-weighted asset amounts of the exposures held by the fund as if they were held directly by the FDIC-supervised institution; and, (ii) The FDIC-supervised institution's proportional ownership share of the fund; or, (2) Include the FDIC-supervised institution's proportional ownership share of each exposure held by the fund in the FDIC-supervised institution's IMA., (c) Simple modified look-through approach. Under this approach, the risk-weighted asset amount for an FDIC-supervised institution's equity exposure to an investment fund equals the adjusted carrying value of the equity exposure multiplied by the highest risk weight assigned according to subpart D of this part that applies to any exposure the fund is permitted to hold under its prospectus, partnership agreement, or similar contract that defines the fund's permissible investments (excluding derivative contracts that are used for hedging rather than speculative purposes and that do not constitute a material portion of the fund's exposures)., (d) Alternative modified look-through approach. Under this approach, an FDIC-supervised institution may assign the adjusted carrying value of an equity exposure to an investment fund on a pro rata basis to different risk weight categories assigned according to subpart D of this part based on the investment limits in the fund's prospectus, partnership agreement, or similar contract that defines the fund's permissible investments. The risk-weighted asset amount for the FDIC-supervised institution's equity exposure to the investment fund equals the sum of each portion of the adjusted carrying value assigned to an exposure class multiplied by the applicable risk weight. If the sum of the investment limits for all exposure types within the fund exceeds 100 percent, the FDIC-supervised institution must assume that the fund invests to the maximum extent permitted under its investment limits in the exposure type with the highest risk weight under subpart D of this part, and continues to make investments in order of the exposure type with the next highest risk weight under subpart D of this part until the maximum total investment level is reached. If more than one exposure type applies to an exposure, the FDIC-supervised institution must use the highest applicable risk weight. An FDIC-supervised institution may exclude derivative contracts held by the fund that are used for hedging rather than for speculative purposes and do not constitute a material portion of the fund's exposures.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["324"],"part_title":["PART 324 - CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS"],"section":["324.154"],"section_title":["\u00a7 324.154 Equity exposures to investment funds."]},"_input_hash":-673231211,"_task_hash":-387626296,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847076,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) When. Within 20 days of service of the notice, respondent shall file an answer as designated in the notice. In a civil money penalty proceeding, respondent shall also file a request for a hearing within 20 days of service of the notice. , (b) Content of answer. An answer must specifically respond to each paragraph or allegation of fact contained in the notice and must admit, deny, or state that the party lacks sufficient information to admit or deny each allegation of fact. A statement of lack of information has the effect of a denial. Denials must fairly meet the substance of each allegation of fact denied; general denials are not permitted. When a respondent denies part of an allegation, that part must be denied and the remainder specifically admitted. Any allegation of fact in the notice which is not denied in the answer must be deemed admitted for purposes of the proceeding. A respondent is not required to respond to the portion of a notice that constitutes the prayer for relief or proposed order. The answer must set forth affirmative defenses, if any, asserted by the respondent. , (c) Default - (1) Effect of failure to answer. Failure of a respondent to file an answer required by this section within the time provided constitutes a waiver of his or her right to appear and contest the allegations in the notice. If no timely answer is filed, Enforcement Counsel may file a motion for entry of an order of default. Upon a finding that no good cause has been shown for the failure to file a timely answer, the administrative law judge shall file with the Board of Directors a recommended decision containing the findings and the relief sought in the notice. Any final order issued by the Board of Directors based upon a respondent's failure to answer is deemed to be an order issued upon consent. , (2) Effect of failure to request a hearing in civil money penalty proceedings. If respondent fails to request a hearing as required by law within the time provided, the notice of assessment constitutes a final and unappealable order. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.19"],"section_title":["\u00a7 308.19 Answer."]},"_input_hash":894227323,"_task_hash":-1819888615,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847088,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Purpose. This subpart grants Federal credit unions limited authority to enter into Derivatives only for the purpose of managing Interest Rate Risk., (b) Scope. This subpart applies to all Federal credit unions. Except as provided in \u00a7 741.219, this rule does not apply to federally insured, state-chartered credit unions., (c) Prior approvals. Any Federal credit union with an active approval, under the prior version of this subpart, on June 25, 2021 is subject to the provisions of this subpart and is no longer subject to the restrictions, limits, or terms contained in the Federal credit union's approved application., (d) Pending Approvals. Any application for Derivatives authority pending on June 25, 2021, except for such applications submitted by a Federal credit union that would be subject to the requirements of \u00a7 703.108(b), is deemed to be withdrawn and such applicant is subject to the provisions of this subpart.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["703"],"part_title":["PART 703 - INVESTMENT AND DEPOSIT ACTIVITIES"],"section":["703.101"],"section_title":["\u00a7 703.101 Purpose and scope."]},"_input_hash":1294008832,"_task_hash":1886722315,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847105,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Payment. In the event of the liquidation of an insured credit union, the Board will promptly determine the insured accountholders thereof and the amount of the insured account or accounts of each such accountholder. Payment may be in cash, or its equivalent, or may be made by making available to each accountholder a transferred account in a new federally insured credit union in the same community or in another federally insured credit union or institution in an amount equal to the accountholder's insured account. Notwithstanding the foregoing, the Board may withhold payment of such portion of the insured account of any member as may be required to provide for payment of any direct or indirect liability to the closed credit union or the liquidating agent, which is not offset against a claim due from such credit union, pending the determination and payment of such liability by the member of or any person liable therefor., (b) Amount of insurance. The amount of insurance on an insured account shall be determined in accordance with the provisions of Subpart A of this part and the Federal Credit Union Act. For the purpose of determining insurance coverage, dividends earned in the ordinary course of business and posted to share accounts for any prior accounting or dividend period shall be deemed to be principal under this part. Dividends earned or accrued in the ordinary course of business, but not posted to share accounts, may be paid at the discretion of the liquidating agent. In making such determination, the liquidating agent will take into consideration whether the failure to post dividends earned or accrued was due to the fraud, embezzlement or accounting errors of credit union personnel. The liquidating agent may require an accountholder to submit documentation supporting any claim for unposted dividends not otherwise evidenced in the credit union records. However, in no event will dividend amounts be considered as principal for insurance purposes pursuant to this section if not consistent with the amounts paid on similar classes of shares. , (c) Multiple accounts. In the event an insured member holds more than one insured account in the same capacity, and the aggregate amount of such accounts (including share draft accounts held in such capacity) exceeds the amount of insurance afforded thereon, the insurance coverage will be prorated among the member's interest in all accounts held in the same capacity. In the case of individual accounts, the insurance proceeds shall be paid to the holder of the account, whether or not the holder is the beneficial owner. In the case of accounts which are owned jointly, the insurance proceeds shall be paid to the owners jointly. In the case of trust estates, the insurance proceeds shall be paid to the indicated trustee unless otherwise provided for in the trust instrument or under state law. In the case of corporations, partnerships and unincorporated associations engaged in an independent activity, the insurance proceeds shall be paid to the indicated holder of the account. Where insurance payment is in the form of a transferred account to another insured institution, the same rules shall be applied., (d) Computing time. In computing any period of time prescribed by this subpart, the provisions of \u00a7 747.12(a) shall apply. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["745"],"part_title":["PART 745 - SHARE INSURANCE AND APPENDIX"],"section":["745.200"],"section_title":["\u00a7 745.200 General."]},"_input_hash":-379723924,"_task_hash":-103069726,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847122,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) A Farm Credit institution that directly or through third parties engages in any form of advertising shall not use words, phrases, symbols, directions, forms, or models in such advertising which express, imply or suggest a policy of discrimination or exclusion in violation of the provisions of title VIII (the Fair Housing Act) of the Civil Rights Act of 1968, as amended by the Fair Housing Amendments Act of 1988 (42 U.S.C. 3601-3631); the Department of Housing and Urban Development's implementing regulations (24 CFR parts 100 and 109), and title VII (the Equal Credit Opportunity Act) of the Consumer Credit Protection Act, as amended by the Equal Credit Opportunity Act Amendments of 1976 (15 U.S.C. 1691-1691f); and the Board of Governors of the Federal Reserve System's implementing regulation (12 CFR part 202), or this subpart., (b) Written advertisements relating to dwellings shall include a facsimile of the following logotype and legend: ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["626"],"part_title":["PART 626 - NONDISCRIMINATION IN LENDING"],"section":["626.6020"],"section_title":["\u00a7 626.6020 Nondiscriminatory advertising."]},"_input_hash":-223818552,"_task_hash":1795079504,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847138,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) A natural person credit union may become a Regular member of the Facility by:, (1) Making application on a form approved by the Facility;, (2) Subscribing to capital stock of the Facility in an amount equal to one-half of 1 percent of the credit union's paid-in and unimpaired capital and surplus, as determined in accordance with \u00a7 725.5(b) of this part, and forwarding with its completed application funds equal to one-half of this stock subscription; and, (3) Furnishing the following reports and documents with the completed membership application:, (i) A copy of the credit union's financial and statistical report for the most recent calendar month; and, (ii) Copies of the credit union's charter and bylaws, unless the credit union is federally chartered. , (b) Reserved","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["725"],"part_title":["PART 725 - NATIONAL CREDIT UNION ADMINISTRATION CENTRAL LIQUIDITY FACILITY"],"section":["725.3"],"section_title":["\u00a7 725.3 Regular membership."]},"_input_hash":1818715551,"_task_hash":41248068,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847151,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) What internal controls and records are necessary? - (1) General. A financial holding company, including a private equity fund controlled by a financial holding company, that makes investments under this part must establish and maintain policies, procedures, records and systems reasonably designed to conduct, monitor and manage such investment activities and the risks associated with such investment activities in a safe and sound manner, including policies, procedures, records and systems reasonably designed to: , (i) Monitor and assess the carrying value, market value and performance of each investment and the aggregate portfolio;, (ii) Identify and manage the market, credit, concentration and other risks associated with such investments; , (iii) Identify, monitor and assess the terms, amounts and risks arising from transactions and relationships (including contingent fees or contingent interests) with each company in which the financial holding company holds an interest under this part; , (iv) Ensure the maintenance of corporate separateness between the financial holding company and each company in which the financial holding company holds an interest under this part and protect the financial holding company and its depository institution subsidiaries from legal liability for the operations conducted and financial obligations of each such company; and, (v) Ensure compliance with this part. , (2) Availability of records. A financial holding company must make the policies, procedures and records required by paragraph (a)(1) of this section available to the Board or the appropriate Reserve Bank upon request. , (b) Certain additional recordkeeping and reporting requirements for merchant banking investments are set forth in the Board's Regulation Y, 12 CFR 225.175. ","meta":{"chapter":["XV"],"chapter_title":["CHAPTER XV - DEPARTMENT OF THE TREASURY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - GENERAL PROVISIONS"],"part":["1500"],"part_title":["PART 1500 - MERCHANT BANKING INVESTMENTS"],"section":["1500.6"],"section_title":["\u00a7 1500.6 What risk management, record keeping and reporting policies are required to make merchant banking investments?"]},"_input_hash":1765442752,"_task_hash":-916614779,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847167,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) External total loss-absorbing capacity requirement. A global systemically important BHC must maintain an outstanding external total loss-absorbing capacity amount that is no less than the amount equal to the greater of:, (1) 18 percent of the global systemically important BHC's total risk-weighted assets; and, (2) 7.5 percent of the global systemically important BHC's total leverage exposure., (b) Outstanding external total loss-absorbing capacity amount. A global systemically important BHC's outstanding external total loss-absorbing capacity amount is the sum of:, (1) The global systemically important BHC's common equity tier 1 capital (excluding any common equity tier 1 minority interest);, (2) The global systemically important BHC's additional tier 1 capital (excluding any tier 1 minority interest); and, (3) The global systemically important BHC's outstanding eligible external long-term debt amount plus 50 percent of the amount due to be paid of unpaid principal of outstanding eligible debt securities issued by the global systemically important BHC in, as calculated in \u00a7 252.62(b)(2), greater than or equal to 365 days (one year) but less than 730 days (two years)., (c) External TLAC buffer - (1) Composition of the external TLAC risk-weighted buffer. The external TLAC risk-weighted buffer is composed solely of common equity tier 1 capital., (2) Definitions. For purposes of this paragraph, the following definitions apply:, (i) Eligible retained income. The eligible retained income of a global systemically important BHC is the greater of:, (A) The global systemically important BHC's net income, calculated in accordance with the instructions to the FR Y-9C, for the four calendar quarters preceding the current calendar quarter, net of any distributions and associated tax effects not already reflected in net income; and, (B) The average of the global systemically important BHC's net income, calculated in accordance with the instructions to the FR Y-9C, for the four calendar quarters preceding the current calendar quarter., (ii) Maximum external TLAC risk-weighted payout ratio. The maximum external TLAC risk-weighted payout ratio is the percentage of eligible retained income that a global systemically important BHC can pay out in the form of distributions and discretionary bonus payments during the current calendar quarter. The maximum external TLAC risk-weighted payout ratio is based on the global systemically important BHC's external TLAC risk-weighted buffer level, calculated as of the last day of the previous calendar quarter, as set forth in Table 1 to \u00a7 252.63., (iii) Maximum external TLAC risk-weighted payout amount. A global systemically important BHC's maximum external TLAC risk-weighted payout amount for the current calendar quarter is equal to the global systemically important BHC's eligible retained income, multiplied by the applicable maximum external TLAC risk-weighted payout ratio, as set forth in Table 1 to \u00a7 252.63., (iv) Maximum external TLAC leverage payout ratio. The maximum external TLAC leverage payout ratio is the percentage of eligible retained income that a global systemically important BHC can pay out in the form of distributions and discretionary bonus payments during the current calendar quarter. The maximum external TLAC leverage payout ratio is based on the global systemically important BHC's external TLAC leverage buffer level, calculated as of the last day of the previous calendar quarter, as set forth in Table 2 to \u00a7 252.63., (v) Maximum external TLAC leverage payout amount. A global systemically important BHC's maximum external TLAC leverage payout amount for the current calendar quarter is equal to the global systemically important BHC's eligible retained income, multiplied by the applicable maximum TLAC leverage payout ratio, as set forth in Table 2 to \u00a7 252.63., (3) Calculation of the external TLAC risk-weighted buffer level. (i) A global systemically important BHC's external TLAC risk-weighted buffer level is equal to the global systemically important BHC's common equity tier 1 capital ratio (expressed as a percentage) minus the greater of zero and the following amount:, (A) 18 percent; minus, (B) The ratio (expressed as a percentage) of the global systemically important BHC's additional tier 1 capital (excluding any tier 1 minority interest) to its total risk-weighted assets; and minus, (C) The ratio (expressed as a percentage) of the global systemically important BHC's outstanding eligible external long-term debt amount plus 50 percent of the amount of unpaid principal of outstanding eligible debt securities issued by the global systemically important BHC due to be paid in, as calculated in \u00a7 252.62(b)(2), greater than or equal to 365 days (one year) but less than 730 days (two years) to total risk-weighted assets., (ii) Notwithstanding paragraph (c)(3)(i) of this section, if the ratio (expressed as a percentage) of a global systemically important BHC's external total loss-absorbing capacity amount as calculated under paragraph (b) of this section to its risk-weighted assets is less than or equal to 18 percent, the global systemically important BHC's external TLAC risk-weighted buffer level is zero., (4) Limits on distributions and discretionary bonus payments. (i) A global systemically important BHC shall not make distributions or discretionary bonus payments or create an obligation to make such distributions or payments during the current calendar quarter that, in the aggregate, exceed the maximum external TLAC risk-weighted payout amount or the maximum external TLAC leverage payout amount., (ii) A global systemically important BHC with an external TLAC risk-weighted buffer level that is greater than the external TLAC risk-weighted buffer and an external TLAC leverage buffer that is greater than 2.0 percent, in accordance with paragraph (c)(5) of this section, is not subject to a maximum external TLAC risk-weighted payout amount or a maximum external TLAC leverage payout amount., (iii) Except as provided in paragraph (c)(4)(iv) of this section, a global systemically important BHC may not make distributions or discretionary bonus payments during the current calendar quarter if the global systemically important BHC's:, (A) Eligible retained income is negative; and, (B) External TLAC risk-weighted buffer level was less than the external TLAC risk-weighted buffer as of the end of the previous calendar quarter or external TLAC leverage buffer level was less than 2.0 percent as of the end of the previous calendar quarter., (iv) Notwithstanding the limitations in paragraphs (c)(4)(i) through (iii) of this section, the Board may permit a global systemically important BHC to make a distribution or discretionary bonus payment upon a request of the global systemically important BHC, if the Board determines that the distribution or discretionary bonus payment would not be contrary to the purposes of this section, or to the safety and soundness of the global systemically important BHC. In making such a determination, the Board will consider the nature and extent of the request and the particular circumstances giving rise to the request., (v)(A) A global systemically important BHC is subject to the lowest of the maximum payout amounts as determined under 12 CFR 217.11(a)(2), the maximum external TLAC risk-weighted payout amount as determined under this paragraph, and the maximum external TLAC leverage payout amount as determined under this paragraph., (B) Additional limitations on distributions may apply to a global systemically important BHC under 12 CFR 225.4, 225.8, and 263.202., (5) External TLAC leverage buffer - (i) General. A global systemically important BHC is subject to the lower of the maximum external TLAC risk-weighted payout amount as determined under paragraph (c)(2)(iii) of this section and the maximum external TLAC leverage payout amount as determined under paragraph (c)(2)(v) of this section., (ii) Composition of the external TLAC leverage buffer. The external TLAC leverage buffer is composed solely of tier 1 capital., (iii) Calculation of the external TLAC leverage buffer level. (A) A global systemically important BHC's external TLAC leverage buffer level is equal to the global systemically important BHC's supplementary leverage ratio (expressed as a percentage) minus the greater of zero and the following amount:, (1) 7.5 percent; minus, (2) The ratio (expressed as a percentage) of the global systemically important BHC's outstanding eligible external long-term debt amount plus 50 percent of the amount of unpaid principal of outstanding eligible debt securities issued by the global systemically important BHC due to be paid in in, as calculated in \u00a7 252.62(b)(2), greater than or equal to 365 days (one year) but less than 730 days (two years) to total leverage exposure., (B) Notwithstanding paragraph (c)(5)(iii) of this section, if the ratio (expressed as a percentage) of a global systemically important BHC's external total loss-absorbing capacity amount as calculated under paragraph (b) of this section to its total leverage exposure is less than or equal to 7.5 percent, the global systemically important BHC's external TLAC leverage buffer level is zero., Table 1 to \u00a7 252.63 - Calculation of Maximum External TLAC Risk-Weighted Payout Amount,
Table 2 to \u00a7 252.63 - Calculation of Maximum External TLAC Leverage Payout Amount","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["252"],"part_title":["PART 252 - ENHANCED PRUDENTIAL STANDARDS (REGULATION YY)"],"section":["252.63"],"section_title":["\u00a7 252.63 External total loss-absorbing capacity requirement and buffer."]},"_input_hash":1945021884,"_task_hash":-1342147221,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847185,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Authority. This subpart is issued by the Board of Governors of the Federal Reserve System (Board) under the authority of the Bank Holding Company Act of 1956 (BHC Act) (12 U.S.C. 1841 et seq.) and the International Banking Act of 1978 (IBA) (12 U.S.C. 3101 et seq.). , (b) Purpose and scope. This subpart is in furtherance of the purposes of the BHC Act and the IBA. It applies to foreign banks and foreign banking organizations with respect to: , (1) The limitations on interstate banking under section 5 of the IBA (12 U.S.C. 3103); , (2) The exemptions from the nonbanking prohibitions of the BHC Act and the IBA afforded by sections 2(h) and 4(c)(9) of the BHC Act (12 U.S.C. 1841(h), 1843(c)(9)); , (3) Board approval of the establishment of an office of a foreign bank in the United States under sections 7(d) and 10(a) of the IBA (12 U.S.C. 3105(d), 3107(a)); , (4) The termination by the Board of a foreign bank's representative office, state branch, state agency, or commercial lending company subsidiary under sections 7(e) and 10(b) of the IBA (12 U.S.C. 3105(e), 3107(b)), and the transmission of a recommendation to the Comptroller to terminate a federal branch or federal agency under section 7(e)(5) of the IBA (12 U.S.C. 3105(e)(5)); , (5) The examination of an office or affiliate of a foreign bank in the United States as provided in sections 7(c) and 10(c) of the IBA (12 U.S.C. 3105(c), 3107(c)); , (6) The disclosure of supervisory information to a foreign supervisor under section 15 of the IBA (12 U.S.C. 3109); , (7) The limitations on loans to one borrower by state branches and state agencies of a foreign bank under section 7(h)(2) of the IBA (12 U.S.C. 3105(h)(2)); , (8) The limitation of a state branch and a state agency to conducting only activities that are permissible for a federal branch under section (7)(h)(1) of the IBA (12 U.S.C. 3105(h)(1)); and , (9) The deposit insurance requirement for retail deposit taking by a foreign bank under section 6 of the IBA (12 U.S.C. 3104). , (10) The management of shell branches (12 U.S.C. 3105(k)). , (c) Additional requirements. Compliance by a foreign bank with the requirements of this subpart and the laws administered and enforced by the Board does not relieve the foreign bank of responsibility to comply with the laws and regulations administered by the licensing authority. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["211"],"part_title":["PART 211 - INTERNATIONAL BANKING OPERATIONS (REGULATION K)"],"section":["211.20"],"section_title":["\u00a7 211.20 Authority, purpose, and scope."]},"_input_hash":-1101408243,"_task_hash":1138633002,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847198,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) This regulation applies to demands or requests for records, information, or testimony, in legal proceedings in which FHFA is not a named party., (b) This regulation does not apply to:, (1) Demands or requests for an FHFA employee to testify as to facts or events that are unrelated to his or her official duties or that are unrelated to the functions of FHFA;, (2) Requests for the release of non-exempt records under the Freedom of Information Act, 5 U.S.C. 552, or the Privacy Act, 5 U.S.C. 552a; or, (3) Congressional demands or requests for records or testimony.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1215"],"part_title":["PART 1215 - PRODUCTION OF FHFA RECORDS, INFORMATION, AND EMPLOYEE TESTIMONY IN THIRD-PARTY LEGAL PROCEEDINGS"],"section":["1215.2"],"section_title":["\u00a7 1215.2 Applicability."]},"_input_hash":-429610001,"_task_hash":1253232178,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847213,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) As a condition for extending funding, discount and other similar financial assistance to an OFI, each Farm Credit Bank or agricultural credit bank shall require every OFI to:, (1) Execute a general financing agreement pursuant to the regulations in subpart C of part 614; and, (2) Purchase non-voting stock in its Farm Credit Bank or agricultural credit bank pursuant to the bank's bylaws., (b) A Farm Credit Bank or agricultural credit bank shall extend funding, discount and other similar financial assistance to an OFI only for purposes and terms authorized under sections 1.10(b) and 2.4(a) and (b) of the Act., (c) Rural home loans to borrowers who are not bona fide farmers, ranchers, and aquatic producers and harvesters are subject to the restrictions in \u00a7 613.3030 of this chapter. Loans that an OFI makes to processing and marketing operators who supply less than 20 percent of the throughput shall be included in the calculation that \u00a7 613.3010(b)(1) of this chapter establishes for Farm Credit Banks and agricultural credit banks., (d) The borrower rights requirements in part C of title IV of the Act, and the regulations in part 617 of this chapter shall apply to all loans that an OFI funds or discounts through a Farm Credit Bank or agricultural credit bank, unless such loans are subject to the Truth-in-Lending Act, 15 U.S.C. 1601 et seq., (e) As a condition for obtaining funding, discount and other similar financial assistance from a Farm Credit Bank or agricultural credit bank, all State banks, trust companies, or State-chartered savings associations shall execute a written consent that authorizes their State regulators to furnish examination reports to the Farm Credit Administration upon its request. Any OFI that is not a depository institution shall consent in writing to examination by the Farm Credit Administration as a condition precedent for obtaining funding, discount and other similar financial assistance from a Farm Credit Bank or agricultural credit bank, and file such consent with its Farm Credit funding bank.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4560"],"section_title":["\u00a7 614.4560 Requirements for OFI funding relationships."]},"_input_hash":-1696404908,"_task_hash":1178522451,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847257,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) General provision. To qualify as AMA, any assets described in \u00a7 1268.3 must be acquired in a purchase or funding transaction only from:, (1) A participating financial institution, provided that the asset was:, (i) Originated or issued by, through, or on behalf of the participating financial institution, or an affiliate thereof; or, (ii) Held for a valid business purpose by the participating financial institution, or an affiliate thereof, prior to acquisition by the Bank; or, (2) Another Bank, provided that the asset was originally acquired by the selling Bank consistent with this section., (b) Special provision for housing finance agency bonds. In the case of housing finance agency bonds acquired by a Bank from a housing associate located in the district of another Bank (local Bank), the arrangement required by the definition of \u201cparticipating financial institution\u201d in \u00a7 1268.1 between the acquiring Bank and the local Bank may be reached in accordance with the following process:, (1) The housing finance agency shall first offer the local Bank right of first refusal to purchase, or negotiate the terms of, its proposed bond offering;, (2) If the local Bank indicates, within three business days, it will negotiate in good faith to purchase the bonds, the housing finance agency may not offer to sell or negotiate the terms of a purchase with another Bank; and, (3) If the local Bank declines the offer, or has failed to respond within three business days, the acquiring Bank will be considered to have an arrangement with the local Bank for purposes of this section and may offer to buy or negotiate the terms of a bond sale with the housing finance agency.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1268"],"part_title":["PART 1268 - ACQUIRED MEMBER ASSETS"],"section":["1268.4"],"section_title":["\u00a7 1268.4 Member or housing associate nexus requirement."]},"_input_hash":1150180810,"_task_hash":529142190,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847269,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"On a determination by the receiver that there are insufficient assets of the receivership to pay all valid claims against the receivership, the receiver shall submit to the Secretary of the Treasury and Congress a report on the financial condition of the receivership. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["650"],"part_title":["PART 650 - FEDERAL AGRICULTURAL MORTGAGE CORPORATION GENERAL PROVISIONS"],"section":["650.25"],"section_title":["\u00a7 650.25 Report to Congress."]},"_input_hash":1035488140,"_task_hash":-140585828,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847279,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Under the International Lending Supervision Act of 1983 (Title IX, Pub. L. 98-181, 97 Stat. 1153) (12 U.S.C. 3901 et seq.) (ILSA), the Federal Deposit Insurance Corporation prescribes the regulations in this subpart relating to international lending activities of banks.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["347"],"part_title":["PART 347 - INTERNATIONAL BANKING"],"section":["347.301"],"section_title":["\u00a7 347.301 Purpose, authority, and scope."]},"_input_hash":-918116305,"_task_hash":123795456,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847401,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Farm Credit Banks. No Farm Credit Bank may make or discount a loan to a borrower if the consolidated amount of all loans outstanding and undisbursed commitments to that borrower exceed 15 percent of the bank's lending and leasing limit base. , (b) Agricultural credit banks. (1) No agricultural credit bank may make or discount a loan to a borrower under the authority of title I of the Act if the consolidated amount of all loans outstanding and undisbursed commitments to that borrower exceed 15 percent of the bank's lending and leasing limit base. , (2) No agricultural credit bank may make or discount a loan to a borrower under the authority of title III of the Act if the consolidated amount of all loans outstanding and undisbursed commitments to that borrower exceed the lending and leasing limits prescribed in \u00a7 614.4355 of this subpart. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4352"],"section_title":["\u00a7 614.4352 Farm Credit Banks and agricultural credit banks."]},"_input_hash":1803326547,"_task_hash":783997543,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847425,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) General rule. As provided in section 1379B(b) of the Safety and Soundness Act (12 U.S.C. 4639(b)), all hearings shall be open to the public, except that the Director, in his discretion, may determine that holding an open hearing would be contrary to the public interest. The Director may make such determination sua sponte at any time by written notice to all parties, or as provided in paragraphs (b) and (c) of this section., (b) Motion for closed hearing. Within 20 days of service of the notice of charges, any party may file with the presiding officer a motion for a private hearing and any party may file a pleading in reply to the motion. The presiding officer shall forward the motion and any reply, together with a recommended decision on the motion, to the Director, who shall make a final determination. Such motions and replies are governed by \u00a7 1209.28 of this part. A determination under this section is committed to the discretion of the Director and is not a reviewable final agency action., (c) Filing documents under seal. FHFA counsel of record, in his discretion, may file or require the filing of any document or part of a document under seal, if such counsel makes a written determination that disclosure of the document would be contrary to the public interest. The presiding officer shall issue an order to govern confidential information, and take all appropriate steps to preserve the confidentiality of such documents in whole or in part, including closing any portion of a hearing to the public or issuing a protective order under such terms as may be acceptable to FHFA counsel of record., (d) Procedures for closed hearing. An evidentiary hearing, or any part thereof, that is closed for the purpose of offering into evidence testimony or documents filed under seal as provided in paragraph (c) of this section shall be conducted under procedures that may include: prior notification to the submitter of confidential information; provisions for sealing portions of the record, briefs, and decisions; in camera arguments, offers of proof, and testimony; and limitations on representatives of record or other participants, as the presiding officer may designate. Additionally, at such proceedings the presiding officer may make an opening statement as to the confidentiality and limitations and deliver an oath to the parties, representatives of record, or other approved participants as to the confidentiality of the proceedings.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1209"],"part_title":["PART 1209 - RULES OF PRACTICE AND PROCEDURE"],"section":["1209.12"],"section_title":["\u00a7 1209.12 Public hearings; closed hearings."]},"_input_hash":1724947955,"_task_hash":798077346,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847442,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Pursuant to policies approved by the board of directors, differential interest rates may be established for loans based on a variety of factors that may include type, purpose, amount, quality, funding or operating costs, or similar factors or combinations of factors. Differential interest rate programs should achieve equitable rate treatment within categories of borrowers. In the adoption of differential interest rate programs, institutions may consider, among other things, the effect that such interest rate structures will have on the achievement of objectives relating to the special credit needs of young, beginning or small farmers. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4160"],"section_title":["\u00a7 614.4160 Differential interest rate programs."]},"_input_hash":159546159,"_task_hash":1436829273,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847454,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Authority. 12 U.S.C. 321-338a, 1818, 1831p-1, 1844(b), 1844(c), 5361, 5365, 5366., (b) Purpose. This subpart establishes the requirement for a covered company to conduct stress tests. This subpart also establishes definitions of stress test and related terms, methodologies for conducting stress tests, and reporting and disclosure requirements.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["252"],"part_title":["PART 252 - ENHANCED PRUDENTIAL STANDARDS (REGULATION YY)"],"section":["252.51"],"section_title":["\u00a7 252.51 Authority and purpose."]},"_input_hash":1620643313,"_task_hash":654036421,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847479,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Except as provided for in paragraph (d) of this section, an offering circular filed by a State savings association shall be deemed to be automatically declared effective by the FDIC on the twentieth day after filing or on such earlier date as the FDIC may determine for good cause shown., (b) If any amendment is filed prior to the effective date, the offering circular shall be deemed to have been filed when such amendment was filed., (c) The period until automatic effectiveness under this subpart shall be stated at the bottom of the facing page of the Form OC or any amendment., (d) The effectiveness will be delayed if a duly authorized amendment, telegram confirmed in writing, or letter states that the effective date is delayed until a further amendment is filed specifically stating that the offering circular will become effective in accordance with this subpart., (e) An amendment filed after the effective date of the offering circular shall become effective on such date as the FDIC may determine., (f) If it appears to the FDIC at any time that the offering circular includes any untrue statement of a material fact or omits to state any material fact required to be stated therein or necessary to make the statements therein not misleading, then the FDIC may pursue any remedy it is authorized to pursue under section 8 of the Federal Deposit Insurance Act, as amended (12 U.S.C. 1818), including, but not limited to, institution of cease-and-desist proceedings.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["390"],"part_title":["PART 390 - REGULATIONS TRANSFERRED FROM THE OFFICE OF THRIFT SUPERVISION"],"section":["390.415"],"section_title":["\u00a7 390.415 Effective date."]},"_input_hash":433318263,"_task_hash":-1019671506,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847506,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Automatic membership for certain charter conversions. An insured depository institution member that converts from one charter type to another automatically shall become a member of the Bank of which the converting institution was a member on the effective date of the conversion, provided that the converted institution continues to be an insured depository institution and the assets of the institution immediately before and immediately after the conversion are not materially different. In such case, all relationships existing between the member and the Bank at the time of such conversion may continue., (b) Automatic membership for transfers. Any member that relocates its principal place of business to another Bank district or that redesignates its principal place of business to another Bank district pursuant to \u00a7 1263.18(c) automatically shall become a member of the Bank of that district upon the purchase of the minimum amount of Bank stock required for membership in that Bank, as required by \u00a7 1263.20., (c) Automatic membership, in the Bank's discretion, for certain consolidations. (1) If a member institution (or institutions) and a nonmember institution are consolidated, and the consolidated institution has its principal place of business in a State in the same Bank district as the disappearing institution (or institutions), and the consolidated institution will operate under the charter of the nonmember institution, on the effective date of the consolidation, the consolidated institution may, in the discretion of the Bank of which the disappearing institution (or institutions) was a member immediately prior to the effective date of the consolidation, automatically become a member of such Bank upon the purchase of the minimum amount of Bank stock required for membership in that Bank, as required by \u00a7 1263.20, provided that:, (i) 90 percent or more of the consolidated institution's total assets are derived from the total assets of the disappearing member institution (or institutions); and, (ii) The consolidated institution provides written notice to such Bank, within 60 calendar days after the effective date of the consolidation, that it desires to be a member of the Bank., (2) The provisions of \u00a7 1263.24(b)(4)(i) shall apply, and upon approval of automatic membership by the Bank, the provisions of \u00a7 1263.24(c) shall apply.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1263"],"part_title":["PART 1263 - MEMBERS OF THE BANKS"],"section":["1263.4"],"section_title":["\u00a7 1263.4 Automatic membership."]},"_input_hash":-2062690559,"_task_hash":385163197,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847527,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Prior to the effective date of the termination of the insured status of an insured credit union under section 206(b) of the Act (12 U.S.C. 1786(b)) and at such time as the Board shall specify, the credit union shall mail to each member at his or her last address of record on the books of the credit union, and publish in not less than two issues of a local newspaper of general circulation, notices of the termination of its insured status, and the credit union shall furnish the NCUA Board with proof of publication of such notice. The notice shall be as follows:, 1. The status of the ___ as an insured credit union under the provisions of the Federal Credit Union Act, will terminate as of the close of business on the __ day of __;, 2. Any deposits made by you after that date, either new deposits or additions to existing accounts, will not be insured by the National Credit Union Administration;, 3. Accounts in the credit union on the __ day of __, __ up to a maximum of $250,000 for each member, will continue to be insured, as provided by the Federal Credit Union Act, for one (1) year after the close of business on the __ day of __, __: Provided, however, That any withdrawals after the close of business on the day of __, __; will reduce the insurance coverage by the amount of such withdrawals.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.207"],"section_title":["\u00a7 747.207 Notice of termination of insured status."]},"_input_hash":1582177753,"_task_hash":605379212,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847540,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Number of meetings. The board of directors of each Bank shall hold as many meetings each year as necessary and appropriate to carry out its fiduciary responsibilities with respect to the effective oversight of Bank management and such other duties and obligations as may be imposed by applicable laws, provided the board of directors of a Bank must hold a minimum of six in-person meetings in any year., (b) Site of meetings. The bank usually should hold board of director and committee meetings within the district served by the Bank. The Bank shall not hold board of director or committee meetings in any location that is not within the United States, including its possessions and territories.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1261"],"part_title":["PART 1261 - FEDERAL HOME LOAN BANK DIRECTORS"],"section":["1261.24"],"section_title":["\u00a7 1261.24 Board meetings."]},"_input_hash":-929818080,"_task_hash":-561142586,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847552,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) False, fictitious or fraudulent claims., (1) A civil penalty of not more than $12,537 may be imposed upon a person who makes a claim to FHFA for property, services, or money where the person knows or has reason to know that the claim: , (i) Is false, fictitious, or fraudulent;, (ii) Includes or is supported by a written statement that:, (A) Asserts a material fact which is false, fictitious, or fraudulent; or, (B) Omits a material fact and, as a result of the omission, is false, fictitious, or fraudulent, where the person making, presenting, or submitting such statement has a duty to include such material fact; or, (iii) Is for payment for the provision of property or services to FHFA which the person has not provided as claimed., (2) Each voucher, invoice, claim form, or other individual request or demand for property, services, or money constitutes a separate claim for purposes of this part., (3) A claim shall be considered made to FHFA, a recipient, or party when the claim is actually made to an agent, fiscal intermediary, or other entity, acting for or on behalf of FHFA, the recipient, or the party., (4) Each claim for property, services, or money is subject to a civil penalty, without regard to whether the property, services, or money actually is delivered or paid., (5) There is no liability under this part if the amount of money or value of property or services claimed exceeds $150,000 as to each claim that a person submits. For purposes of this paragraph (a), a group of claims submitted simultaneously as part of a single transaction shall be considered a single claim., (6) If the FHFA has made any payment, transferred property, or provided services for a claim, then FHFA may make an assessment against a person found liable in an amount of up to twice the amount of the claim or portion of the claim that is determined to be in violation of paragraph (a)(1) of this section. This assessment is in addition to the amount of any civil penalty imposed., (b) False, fictitious or fraudulent statements., (1) A civil penalty of up to $12,537 may be imposed upon a person who makes a written statement to FHFA with respect to a claim, contract, bid or proposal for a contract, or benefit from FHFA that:, (i) The person knows or has reason to know:, (A) Asserts a material fact which is false, fictitious, or fraudulent; or, (B) Omits a material fact and is false, fictitious, or fraudulent as a result of such omission, where the person making, presenting, or submitting such statement has a duty to include such material fact; and, (ii) Contains or is accompanied by an express certification or affirmation of the truthfulness and accuracy of the contents of the statement., (2) Each written representation, certification, or affirmation constitutes a separate statement., (3) A statement shall be considered made to FHFA when the statement is actually made to an agent, fiscal intermediary, or other entity acting for or on behalf of FHFA., (c) Joint and several liability. A civil penalty or assessment may be imposed jointly and severally if more than one person is determined to be liable.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1217"],"part_title":["PART 1217 - PROGRAM FRAUD CIVIL REMEDIES ACT"],"section":["1217.3"],"section_title":["\u00a7 1217.3 Basis for civil penalties and assessments."]},"_input_hash":1515566677,"_task_hash":833353355,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847567,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"A mortgage loan which permits the borrower to obtain additional sums during the term of the loan. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["619"],"part_title":["PART 619 - DEFINITIONS"],"section":["619.9230"],"section_title":["\u00a7 619.9230 Open-end mortgage loan plans."]},"_input_hash":1800848567,"_task_hash":2125633572,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847579,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Civil money penalty proceedings - (1) In general. Section 1376 of the Safety and Soundness Act (12 U.S.C. 4636) governs the imposition of civil money penalties. Upon written notice, which shall conform to the requirements of \u00a7 1209.23 of this part, and a hearing on the record to be conducted in accordance with subpart C of this part, the Director may impose a civil money penalty on any regulated entity or any entity-affiliated party as provided by section 1376 of the Safety and Soundness Act for any violation, practice, or breach addressed under sections 1371, 1372, or 1376 of the Safety and Soundness Act (12 U.S.C. 4631, 4632, 4636), except with regard to the enforcement of housing goals that are addressed separately under sections 1341 and 1345 of the Safety and Soundness Act (12 U.S.C. 4581, 4585)., (2) Amount of penalty - (i) First Tier. Section 1376(b)(1) of the Safety and Soundness Act (12 U.S.C. 4636(b)(1)) prescribes the civil penalty for violations as stated therein, in the amount of $10,000 for each day during which a violation continues., (ii) Second Tier. Section 1376(b)(2) of the Safety and Soundness Act (12 U.S.C. 4636(b)(2)) provides that notwithstanding paragraph (b)(1) thereof, a regulated entity or entity-affiliated party shall forfeit and pay a civil penalty of not more than $50,000 for each day during which a violation, practice, or breach continues, if the regulated entity or entity-affiliated party commits any violation described in (b)(1) thereof, recklessly engages in an unsafe or unsound practice, or breaches any fiduciary duty, and the violation, practice, or breach is part of a pattern of misconduct; causes or is likely to cause more than a minimal loss to the regulated entity; or results in pecuniary gain or other benefit to such party., (iii) Third Tier. Section 1376(b)(3) of the Safety and Soundness Act (12 U.S.C. 4636(b)(3)) provides that, notwithstanding paragraphs (b)(1) and (b)(2) thereof, any regulated entity or entity-affiliated party shall forfeit and pay a civil penalty, in accordance with section 1376(b)(4) of the Safety and Soundness Act (12 U.S.C. 4636(b)(4)), for each day during which such violation, practice, or breach continues, if such regulated entity or entity-affiliated party:, (A) Knowingly - , (1) Commits any violation described in any subparagraph of section 1376(b)(1) of the Safety and Soundness Act;, (2) Engages in any unsafe or unsound practice in conducting the affairs of the regulated entity; or, (3) Breaches any fiduciary duty; and, (B) Knowingly or recklessly causes a substantial loss to the regulated entity or a substantial pecuniary gain or other benefit to such party by reason of such violation, practice, or breach., (b) Maximum amounts - (1) Maximum daily penalty. Section 1376(b)(4) of the Safety and Soundness Act (12 U.S.C. 4636(b)(4)), prescribes the maximum daily amount of a civil penalty that may be assessed for any violation, practice, or breach pursuant to section 1376(b)(3) of the Safety and Soundness Act (12 U.S.C. 4636(b)(3)), in the case of any entity-affiliated party (not to exceed $2,000,000.00), and in the case of any regulated entity ($2,000,000.00)., (2) Inflation Adjustment Act. The maximum civil penalty amounts are subject to periodic adjustment under the Federal Civil Penalties Inflation Adjustment Act of 1990, as amended (28 U.S.C. 2461 note), as provided in subpart E of this part., (c) Factors in determining amount of penalty. In accordance with section 1376(c)(2) of the Safety and Soundness Act (12 U.S.C. 4636(c)(2)), in assessing civil money penalties on a regulated entity or an entity-affiliated party in amounts as provided in section 1376(b) of the Safety and Soundness Act (12 U.S.C. 4636(b)), the Director shall give consideration to such factors as:, (1) The gravity of the violation, practice, or breach;, (2) Any history of prior violations or supervisory actions, or any attempts at concealment;, (3) The effect of the penalty on the safety and soundness of the regulated entity or the Office of Finance;, (4) Any loss or risk of loss to the regulated entity or to the Office of Finance;, (5) Any benefits received or derived, whether directly or indirectly, by the respondent(s);, (6) Any injury to the public;, (7) Any deterrent effect on future violations, practices, or breaches;, (8) The financial capacity of the respondent(s), or any unusual circumstance(s) of hardship upon an executive officer, director, or other individual;, (9) The promptness, cost, and effectiveness of any effort to remedy or ameliorate the consequences of the violation, practice, or breach;, (10) The candor and cooperation, if any, of the respondent(s); and, (11) Any other factors the Director may determine by regulation to be appropriate., (d) Review of imposition of penalty. Section 1376(c)(3) of the Safety and Soundness Act (12 U.S.C. 4636(c)(3)) governs judicial review of a penalty order under section 1374 of the Safety and Soundness Act (12 U.S.C. 4634).","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1209"],"part_title":["PART 1209 - RULES OF PRACTICE AND PROCEDURE"],"section":["1209.7"],"section_title":["\u00a7 1209.7 Civil money penalties."]},"_input_hash":1989842085,"_task_hash":38735187,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847594,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Records. The creditor shall maintain a record for each account showing the full details of all transactions., (b) Separation of accounts - (1) In general. The requirements of one account may not be met by considering items in any other account. If withdrawals of cash or securities are permitted under this part, written entries shall be made when cash or securities are used for purposes of meeting requirements in another account., (2) Exceptions. Notwithstanding paragraph (b)(1) of this section:, (i) For purposes of calculating the required margin for a security in a margin account, assets held in the good faith account pursuant to \u00a7 220.6(e)(1)(i) or (ii) may serve in lieu of margin;, (ii) Transfers may be effected between the margin account and the special memorandum account pursuant to \u00a7\u00a7 220.4 and 220.5., (c) Maintenance of credit. Except as prohibited by this part, any credit initially extended in compliance with this part may be maintained regardless of:, (1) Reductions in the customer's equity resulting from changes in market prices;, (2) Any security in an account ceasing to be margin or exempted; or, (3) Any change in the margin requirements prescribed under this part., (d) Guarantee of accounts. No guarantee of a customer's account shall be given any effect for purposes of this part., (e) Receipt of funds or securities. (1) A creditor, acting in good faith, may accept as immediate payment:, (i) Cash or any check, draft, or order payable on presentation; or, (ii) Any security with sight draft attached., (2) A creditor may treat a security, check or draft as received upon written notification from another creditor that the specified security, check, or draft has been sent., (3) Upon notification that a check, draft, or order has been dishonored or when securities have not been received within a reasonable time, the creditor shall take the action required by this part when payment or securities are not received on time., (4) To temporarily finance a customer's receipt of securities pursuant to an employee benefit plan registered on SEC Form S-8 or the withholding taxes for an employee stock award plan, a creditor may accept, in lieu of the securities, a properly executed exercise notice, where applicable, and instructions to the issuer to deliver the stock to the creditor. Prior to acceptance, the creditor must verify that the issuer will deliver the securities promptly and the customer must designate the account into which the securities are to be deposited., (f) Exchange of securities. (1) To enable a customer to participate in an offer to exchange securities which is made to all holders of an issue of securities, a creditor may submit for exchange any securities held in a margin account, without regard to the other provisions of this part, provided the consideration received is deposited into the account., (2) If a nonmargin, nonexempted security is acquired in exchange for a margin security, its retention, withdrawal, or sale within 60 days following its acquisition shall be treated as if the security is a margin security., (g) Arranging for loans by others. A creditor may arrange for the extension or maintenance of credit to or for any customer by any person, provided the creditor does not willfully arrange credit that violates parts 221 or 224 of this chapter., (h) Innocent mistakes. If any failure to comply with this part results from a mistake made in good faith in executing a transaction or calculating the amount of margin, the creditor shall not be deemed in violation of this part if, promptly after the discovery of the mistake, the creditor takes appropriate corrective action., (i) Foreign currency. (1) Freely convertible foreign currency may be treated at its U.S. dollar equivalent, provided the currency is marked-to-market daily., (2) A creditor may extend credit denominated in any freely convertible foreign currency., (j) Exempted borrowers. (1) A member of a national securities exchange or a registered broker or dealer that has been in existence for less than one year may meet the definition of exempted borrower based on a six-month period., (2) Once a member of a national securities exchange or registered broker or dealer ceases to qualify as an exempted borrower, it shall notify its lender of this fact before obtaining additional credit. Any new extensions of credit to such a borrower, including rollovers, renewals, and additional draws on existing lines of credit, are subject to the provisions of this part.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["220"],"part_title":["PART 220 - CREDIT BY BROKERS AND DEALERS (REGULATION T)"],"section":["220.3"],"section_title":["\u00a7 220.3 General provisions."]},"_input_hash":-2038785414,"_task_hash":673925604,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847607,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) General. (1) An FDIC-supervised institution must calculate the exposure amount of an off-balance sheet exposure using the credit conversion factors (CCFs) in paragraph (b) of this section., (2) Where an FDIC-supervised institution commits to provide a commitment, the FDIC-supervised institution may apply the lower of the two applicable CCFs., (3) Where an FDIC-supervised institution provides a commitment structured as a syndication or participation, the FDIC-supervised institution is only required to calculate the exposure amount for its pro rata share of the commitment., (4) Where an FDIC-supervised institution provides a commitment, enters into a repurchase agreement, or provides a credit-enhancing representation and warranty, and such commitment, repurchase agreement, or credit-enhancing representation and warranty is not a securitization exposure, the exposure amount shall be no greater than the maximum contractual amount of the commitment, repurchase agreement, or credit-enhancing representation and warranty, as applicable., (b) Credit conversion factors - (1) Zero percent CCF. An FDIC-supervised institution must apply a zero percent CCF to the unused portion of a commitment that is unconditionally cancelable by the FDIC-supervised institution., (2) 20 percent CCF. An FDIC-supervised institution must apply a 20 percent CCF to the amount of:, (i) Commitments with an original maturity of one year or less that are not unconditionally cancelable by the FDIC-supervised institution; and, (ii) Self-liquidating, trade-related contingent items that arise from the movement of goods, with an original maturity of one year or less., (3) 50 percent CCF. An FDIC-supervised institution must apply a 50 percent CCF to the amount of:, (i) Commitments with an original maturity of more than one year that are not unconditionally cancelable by the FDIC-supervised institution; and, (ii) Transaction-related contingent items, including performance bonds, bid bonds, warranties, and performance standby letters of credit., (4) 100 percent CCF. An FDIC-supervised institution must apply a 100 percent CCF to the amount of the following off-balance-sheet items and other similar transactions:, (i) Guarantees;, (ii) Repurchase agreements (the off-balance sheet component of which equals the sum of the current fair values of all positions the FDIC-supervised institution has sold subject to repurchase);, (iii) Credit-enhancing representations and warranties that are not securitization exposures;, (iv) Off-balance sheet securities lending transactions (the off-balance sheet component of which equals the sum of the current fair values of all positions the FDIC-supervised institution has lent under the transaction);, (v) Off-balance sheet securities borrowing transactions (the off-balance sheet component of which equals the sum of the current fair values of all non-cash positions the FDIC-supervised institution has posted as collateral under the transaction);, (vi) Financial standby letters of credit; and, (vii) Forward agreements.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["324"],"part_title":["PART 324 - CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS"],"section":["324.33"],"section_title":["\u00a7 324.33 Off-balance sheet exposures."]},"_input_hash":1487051803,"_task_hash":-1731011355,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847645,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Trustee's role. (1) SIPC, as trustee for a covered broker or dealer, shall determine customer status, claims for net equity, claims for customer name securities, and whether property of the covered broker or dealer qualifies as customer property. SIPC, as trustee for a covered broker or dealer, shall make claims determinations in accordance with SIPA and with paragraph (a)(3) of this section, but such determinations, and any claims related thereto, shall be governed by the procedures set forth in paragraph (b) of this section., (2) SIPC shall make advances in accordance with, and subject to the limitations imposed by, 15 U.S.C. 78fff-3. Where appropriate, SIPC shall make such advances by delivering cash or securities to the customer accounts established at the bridge broker or dealer., (3) Customer property held by a covered broker or dealer shall be allocated as follows:, (i) First, to SIPC in repayment of advances made by SIPC pursuant to 12 U.S.C. 5385(f) and 15 U.S.C. 78fff-3(c)(1), to the extent such advances effected the release of securities which then were apportioned to customer property pursuant to 15 U.S.C. 78fff(d);, (ii) Second, to customers of such covered broker or dealer, or in the case that customer accounts are transferred to a bridge broker or dealer, then to such customer accounts at a bridge broker or dealer, who shall share ratably in such customer property on the basis and to the extent of their respective net equities;, (iii) Third, to SIPC as subrogee for the claims of customers; and, (iv) Fourth, to SIPC in repayment of advances made by SIPC pursuant to 15 U.S.C. 78fff-3(c)(2)., (4) The determinations and advances made by SIPC as trustee for a covered broker or dealer under this subpart D shall be made in a manner consistent with SIPC's customary practices under SIPA. The allocation of customer property, advances from SIPC, and delivery of customer name securities to each customer or to its customer account at a bridge broker or dealer, in partial or complete satisfaction of such customer's net equity claims as of the close of business on the appointment date, shall be in a manner, including form and timing, and in an amount at least as beneficial to such customer as would have been the case had the covered broker or dealer been liquidated under SIPA. Any claims related to determinations made by SIPC as trustee for a covered broker or dealer shall be governed by the procedures set forth in paragraph (b) of this section., (b) Receiver's role. Any claim shall be determined in accordance with the procedures set forth in 12 U.S.C. 5390(a)(2) through (5) and the regulations promulgated by the Corporation thereunder, provided however, that - , (1) Notice requirements. The notice of the appointment of the Corporation as receiver for a covered broker or dealer shall also include notice of the appointment of SIPC as trustee. The Corporation as receiver shall coordinate with SIPC as trustee to post the notice on SIPC's public website in addition to the publication procedures set forth in \u00a7 380.33., (2) Procedures for filing a claim. The Corporation as receiver shall consult with SIPC, as trustee, regarding a claim form and filing instructions with respect to claims against the Corporation as receiver for a covered broker or dealer, and such information shall be provided on SIPC's public website in addition to the Corporation's public website. Any such claim form shall contain a provision permitting a claimant to claim status as a customer of the broker or dealer, if applicable., (3) Claims bar date. The Corporation as receiver shall establish a claims bar date in accordance with 12 U.S.C. 5390(a)(2)(B)(i) and any regulations promulgated thereunder by which date creditors of a covered broker or dealer, including all customers of the covered broker or dealer, shall present their claims, together with proof. The claims bar date for a covered broker or dealer shall be the date following the expiration of the six-month period beginning on the date a notice to creditors to file their claims is first published in accordance with 12 U.S.C. 5390(a)(2)(B)(i) and any regulations promulgated thereunder. Any claim filed after the claims bar date shall be disallowed, and such disallowance shall be final, as provided by 12 U.S.C. 5390(a)(3)(C)(i) and any regulations promulgated thereunder, except that a claim filed after the claims bar date shall be considered by the receiver as provided by 12 U.S.C. 5390(a)(3)(C)(ii) and any regulations promulgated thereunder. In accordance with section 8(a)(3) of SIPA, 15 U.S.C. 78fff-2(a)(3), any claim for net equity filed more than sixty days after the date the notice to creditors to file claims is first published need not be paid or satisfied in whole or in part out of customer property and, to the extent such claim is paid by funds advanced by SIPC, it shall be satisfied in cash or securities, or both, as SIPC, as trustee, determines is most economical to the receivership estate., (c) Decision period. The Corporation as receiver of a covered broker or dealer shall notify a claimant whether it allows or disallows the claim, or any portion of a claim or any claim of a security, preference, set-off, or priority, within the 180-day period set forth in 12 U.S.C. 5390(a)(3)(A) and any regulations promulgated thereunder (as such 180-day period may be extended by written agreement as provided therein) or within the 90-day period set forth in 12 U.S.C. 5390(a)(5)(B) and any regulations promulgated thereunder, whichever is applicable. In accordance with paragraph (a) of this section, the Corporation, as receiver, shall issue the notice required by this paragraph (c), which shall utilize the determination made by SIPC, as trustee, in a manner consistent with SIPC's customary practices in a liquidation under SIPA, with respect to any claim for net equity or customer name securities. The process established herein for the determination, within the 180-day period set forth in 12 U.S.C. 5390(a)(3)(A) and any regulations promulgated thereunder (as such 180-day period may be extended by written agreement as provided therein), of claims by customers of a covered broker or dealer for customer property or customer name securities shall constitute the exclusive process for the determination of such claims, and any procedure for expedited relief established pursuant to 12 U.S.C. 5390(a)(5) and any regulations promulgated thereunder shall be inapplicable to such claims., (d) Judicial review. The claimant may seek a judicial determination of any claim disallowed, in whole or in part, by the Corporation as receiver, including any claim disallowed based upon any determination(s) of SIPC as trustee made pursuant to \u00a7 380.64(a), by the appropriate district or territorial court of the United States in accordance with 12 U.S.C. 5390(a)(4) or (5), whichever is applicable, and any regulations promulgated thereunder.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["380"],"part_title":["PART 380 - ORDERLY LIQUIDATION AUTHORITY"],"section":["380.64"],"section_title":["\u00a7 380.64 Claims of customers and other creditors of a covered broker or dealer."]},"_input_hash":1370709895,"_task_hash":-1711546740,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847658,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) After the board of directors approves a merger proposal and receives NCUA's authorization as described in \u00a7\u00a7 708a.303 and 708a.304, the credit union must provide written notice of its intent to merge to each member who is eligible to vote on the merger. The notice to members must be mailed 90 calendar days and 30 calendar days before the date of the membership vote on the merger. A ballot must be included in the same envelope as the 30-day notice and only with the 30-day notice. A merging credit union may not distribute ballots with the 90-day notice, in any other written communications, or in person before the 30-day notice is sent., (b)(1) The notice to members must adequately describe the purpose and subject matter of the vote and clearly inform members that they may vote at the special meeting or by submitting the written ballot. The notice must state the date, time, and place of the meeting., (2) The 90-day notice must state in a clear and conspicuous fashion that a written ballot will be mailed together with another notice 30 days before the date of the membership vote on merger. The 30-day notice must state in a clear and conspicuous fashion that a written ballot is included in the same envelope as the 30-day notice materials., (3) For purposes of facilitating the member-to-member contact described in paragraph (f) of this section, the 90-day notice must indicate the number of credit union members eligible to vote on the merger proposal and state how many members have agreed to accept communications from the credit union in electronic form. The 90-day notice must also include the information listed in paragraph (g)(9) of this section., (4) The member ballot must include:, (i) A brief description of the proposal (e.g., \u201cProposal: Approval of the Plan of Merger by which insert name of credit union will merge with a bank\u201d);, (ii) Two blocks marked respectively as \u201cFOR\u201d and \u201cAGAINST;\u201d and, (iii) The following language: \u201cA vote FOR the proposal means that you want your credit union to merge with and become a bank. A vote AGAINST the proposal means that you want your credit union to remain a credit union.\u201d This language must be displayed in a clear and conspicuous fashion immediately beneath the FOR and AGAINST blocks., (5) The ballot may also include voting instructions and the recommendation of the board of directors (i.e., \u201cYour Board of Directors recommends a vote FOR the Plan of Merger\u201d) but may not include any further information without the prior written approval of the Regional Director., (c) For mergers into stock banks, an adequate description of the purpose and subject matter of the member vote on merger, as required by paragraph (b) of this section, must include:, (1) A clear and conspicuous disclosure that if the merger is approved the members will lose all of their ownership interests in the institution, including the right to vote, the right to share in the value of the institution should it be liquidated, the right to share in any extraordinary dividends, and the right to have the net worth of the institution managed in their best interests;, (2) A clear and conspicuous disclosure of any post-merger employment or consulting relationships offered by the bank to any of the credit union's directors and senior management officials and the amount of the associated compensation;, (3) A clear and conspicuous disclosure of how the merger of the credit union will affect the members' ability to obtain non-housing-related consumer loans from the bank because of the bank's obligations to satisfy statutory or regulatory lending requirements (if any). This disclosure should specify possible reductions in some kinds of loans to members;, (4) A clear and conspicuous statement of the merger value of the credit union, the total dollar amount the selected bank merger partner has agreed to pay to effect the merger, and the distribution formula the bank will use to determine each member's portion of that payment to be received upon completion of the merger., (d) For mergers into mutual banks, an adequate description of the purpose and subject matter of the member vote on merger, as required by paragraph (b) of this section, must include:, (1) A clear and conspicuous disclosure of how the merger will affect members' voting rights including whether the bank bases voting rights on account balances;, (2) A clear and conspicuous disclosure that the merger could lead to members losing all of their ownership interests in the credit union if the bank subsequently converts to a stock institution and the members do not purchase stock;, (3) A clear and conspicuous disclosure of any post-merger employment or consulting relationships offered by the bank to the credit union's directors and senior management officials and the associated compensation for each;, (4) A clear and conspicuous disclosure of how the merger of the credit union will affect the members' ability to obtain non-housing-related consumer loans from the bank because of the bank's obligations to satisfy statutory or regulatory lending requirements (if any). This disclosure should specify possible reductions in some kinds of loans to members;, (5) A clear and conspicuous statement that, at the time of merger, the bank does or does not intend to convert to a stock institution or a mutual holding company structure;, (6) A clear and conspicuous statement of the merger value of the credit union, the total dollar amount the selected bank merger partner has agreed to pay to effect the merger, and the distribution formula the bank will use to determine each member's portion of that payment to be received upon completion of the merger; and, (7) If the bank plans to add one or more of the credit union's directors to its board or employ one or more senior officials of the credit union, a clear and conspicuous statement that bank could convert to a stock bank in the future and a comparison of the opportunities available to those officials and employees to obtain stock with the opportunities available to the depositors of the bank., (e)(1) A merging credit union must provide the following disclosures in a clear and conspicuous fashion with the 90-day and 30-day notices it sends to its members regarding the merger:, (2) This text must be placed in a box, must be the only text on the front side of a single piece of paper, and must be placed so that the member will see the text after reading the credit union's cover letter but before reading any other part of the member notice. The back side of the paper must be blank. A merging credit union may modify this text only with the prior written consent of the Regional Director and, in the case of a State chartered credit union, the appropriate State regulatory agency., (f) All written communications from a merging credit union to its members regarding the merger must be written in a manner that is simple and easy to understand. Simple and easy to understand means the communications are written in plain language designed to be understood by ordinary consumers and use clear and concise sentences, paragraphs, and sections. For purposes of this part, examples of factors to be considered in determining whether a communication is in plain language and uses clear and concise sentences, paragraphs and sections include the use of short explanatory sentences; use of definite, concrete, everyday words; use of active voice; avoidance of multiple negatives; avoidance of legal and technical business terminology; avoidance of explanations that are imprecise and reasonably subject to different interpretations; and use of language that is not misleading., (g)(1) A merging credit union must mail or e-mail a requesting member's proper merger-related materials to other members eligible to vote if:, (i) A credit union's board of directors has adopted a proposal to merge;, (ii) A member makes a written request that the credit union mail or e-mail materials for the member;, (iii) The request is received by the credit union no later than 35 days after it sends out the 90-day member notice; and, (iv) The requesting member agrees to reimburse the credit union for the reasonable expenses, excluding overhead, of mailing or e-mailing the materials and also provides the credit union with an appropriate advance payment., (2) A member's request must indicate if the member wants the materials mailed or e-mailed. If a member requests that the materials be mailed, the credit union will mail the materials to all eligible voters. If a member requests the materials be e-mailed, the credit union will e-mail the materials to all members who have agreed to accept communications electronically from the credit union. The subject line of the credit union's e-mail will be \u201cProposed Credit Union Merger - Views of Member (insert member name).\u201d, (3)(i) A merging credit union may, at its option, include the following statement with a member's material:, On (date), the board of directors of (name of merging credit union) adopted a proposal to merge the credit union into a bank. Credit union members who wish to express their opinions about the proposed merger to other members may provide those opinions to (name of credit union). By law, the credit union, at the requesting members' expense, must then send those opinions to the other members. The attached document represents the opinion of a member (or group of members) of this credit union. This opinion is a personal opinion and does not necessarily reflect the views of the management or directors of the credit union., (ii) A merging credit union may not add anything other than this statement to a member's material without the prior approval of the Regional Director., (4) The term \u201cproper merger-related materials\u201d does not include materials that:, (i) Due to size or similar reasons are impracticable to mail or e-mail;, (ii) Are false or misleading with respect to any material fact;, (iii) Omit a material fact necessary to make the statements in the material not false or misleading;, (iv) Relate to a personal claim or a personal grievance, or solicit personal gain or business advantage by or on behalf of any party;, (v) Relate to any matter, including a general economic, political, racial, religious, social, or similar cause, that is not significantly related to the proposed merger;, (vi) Directly or indirectly and without expressed factual foundation impugn a person's character, integrity, or reputation;, (vii) Directly or indirectly and without expressed factual foundation make charges concerning improper, illegal, or immoral conduct; or, (viii) Directly or indirectly and without expressed factual foundation make statements impugning the stability and soundness of the credit union., (5) If a merging credit union believes some or all of a member's request is not proper it must submit the member materials to the Regional Director within seven days of receipt. The credit union must include with its transmittal letter a specific statement of why the materials are not proper and a specific recommendation for how the materials should be modified, if possible, to make them proper. The Regional Director will review the communication, communicate with the requesting member, and respond to the credit union within seven days with a determination on the propriety of the materials. The credit union must then mail or e-mail the material to the members if so directed by NCUA., (6) A credit union must ensure that its members receive all materials that meet the requirements of \u00a7 708a.305(g) on or before the date the members receive the 30-day notice and associated ballot. If a credit union cannot meet this delivery requirement, it must postpone mailing the 30-day notice until it can deliver the member materials. If a credit union postpones the mailing of the 30-day notice, it must also postpone the special meeting by the same number of days. When the credit union has completed the delivery, it must inform the requesting member that the delivery was completed and provide the number of recipients., (7) The term \u201cappropriate advance payment\u201d means:, (i) For requests to mail materials to all eligible voters, a payment in the amount of 150 percent of the first class postage rate times the number of mailings, and, (ii) For requests to e-mail materials only to members that have agreed to accept electronic communications, a payment in the amount of 200 dollars., (8) If a credit union posts merger-related information or material on its Web site, then it must simultaneously make a portion of its Web site available free of charge to its members to post and share their opinions on the merger. A link to the portion of the Web site available to members to post their views on the merger must be marked \u201cMembers: Share your views on the proposed merger and see other members' views\u201d and the link must also be visible on all pages on which the credit union posts its own merger-related information or material, as well as on the credit union's homepage. If a credit union believes a particular member submission is not proper for posting, it will provide that submission to the Regional Director for review as described in paragraph (g)(5) of this section. The credit union may also post a content-neutral disclaimer using language similar to the language in paragraph (g)(3)(i) of this section., (9) A merging credit union must inform members with the 90-day notice that if they wish to provide their opinions about the proposed merger to other members they can submit their opinions in writing to the credit union no later than 35 days from the date of the notice and the credit union will forward those opinions to other members. The 90-day notice will provide a contact at the credit union for delivery of communications, will explain that members must agree to reimburse the credit union's costs of transmitting the communication including providing an advance payment, and will refer members to this section of NCUA's rules for further information about the communication process. The credit union, at its option, may include additional factual information about the communication process with its 90-day notice., (10) A group of members may make a joint request that the credit union send its materials to other members. For purposes of paragraphs (g)(2) and (g)(3) of this section, the credit union will use the group name provided by the group., (h) If it chooses, a credit union may seek a preliminary determination from the Regional Director regarding any of the notices required under this subchapter and its proposed methods and procedures applicable to the membership merger vote. The Regional Director will make a preliminary determination regarding the notices and methods and procedures applicable to the membership vote within 30 calendar days of receipt of a credit union's request for review unless the Regional Director extends the period as necessary to request additional information or review a credit union's submission. A credit union's prior submission of any notice or proposed voting procedures does not relieve the credit union of its obligation to certify the results of the membership vote required by \u00a7 708a.307 or eliminate the right of the Regional Director to disapprove the merger if the credit union fails to conduct the membership vote in a fair and legal manner consistent with the Federal Credit Union Act and these rules.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["708a"],"part_title":["PART 708a - BANK CONVERSIONS AND MERGERS"],"section":["708a.305"],"section_title":["\u00a7 708a.305 Disclosures and communications to members."]},"_input_hash":1636654312,"_task_hash":785332404,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847676,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) General. Subject to \u00a7 217.400(b)(2), a company identified as a global systemically important BHC pursuant to \u00a7 217.402 must calculate its GSIB surcharge on an annual basis by December 31 of each year. For any given year, subject to paragraph (d) of this section, the GSIB surcharge is equal to the greater of:, (1) The method 1 surcharge calculated in accordance with paragraph (b) of this section; and, (2) The method 2 surcharge calculated in accordance with paragraph (c) of this section., (b) Method 1 surcharge - (1) General. The method 1 surcharge of a global systemically important BHC is the amount set forth in Table 1 of this section that corresponds to the global systemically important BHC's method 1 score, calculated pursuant to \u00a7 217.404.,
Table 1 to \u00a7 217.403 - Method 1 Surcharge, (2) Higher method 1 surcharges. To the extent that the method 1 score of a global systemically important BHC equals or exceeds 630 basis points, the method 1 surcharge equals the sum of:, (i) 4.5 percent; and, (ii) An additional 1.0 percent for each 100 basis points that the global systemically important BHC's score exceeds 630 basis points., (c) Method 2 surcharge - (1) General. The method 2 surcharge of a global systemically important BHC is the amount set forth in Table 2 of this section that corresponds to the global systemically important BHC's method 2 score, calculated pursuant to \u00a7 217.405.,
Table 2 to \u00a7 217.403: Method 2 Surcharge, (2) Higher method 2 surcharges. To the extent that the method 2 score of a global systemically important BHC equals or exceeds 1130 basis points, the method 2 surcharge equals the sum of:, (i) 6.5 percent; and, (ii) An additional 0.5 percent for each 100 basis points that the global systemically important BHC's score exceeds 1130 basis points., (d) Effective date of an adjusted GSIB surcharge - (1) Increase in GSIB surcharge. An increase in the GSIB surcharge of a global systemically important BHC will take effect (i.e., be incorporated into the maximum payout ratio under Table 1 to \u00a7 217.11) on January 1 of the year that is one full calendar year after the increased GSIB surcharge was calculated., (2) Decrease in GSIB surcharge. A decrease in the GSIB surcharge of a global systemically important BHC will take effect (i.e., be incorporated into the maximum payout ratio under Table 1 to \u00a7 217.11) on January 1 of the year immediately following the calendar year in which the decreased GSIB surcharge was calculated.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["217"],"part_title":["PART 217 - CAPITAL ADEQUACY OF BANK HOLDING COMPANIES, SAVINGS AND LOAN HOLDING COMPANIES, AND STATE MEMBER BANKS (REGULATION Q)"],"section":["217.403"],"section_title":["\u00a7 217.403 GSIB surcharge."]},"_input_hash":-1958807320,"_task_hash":-1130620983,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847697,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) General rule. Awards will be based on rates customarily charged by persons engaged in the business of acting as attorneys, agents, and expert witnesses, even if the services were made available without charge or at a reduced rate, provided that no award under this subpart for the fee of an attorney or agent may exceed $125 per hour. No award to compensate an expert witness may exceed the highest rate at which the FDIC pays expert witnesses. An award may include the reasonable expenses of the attorney, agent, or expert witness as a separate item, if the attorney, agent, or expert witness ordinarily charges clients separately for such expenses. Fees and expenses awarded under 5 U.S.C. 504(a)(4) related to defending against an excessive demand shall be paid only as a consequence of appropriations paid in advance., (b) Determination of reasonableness of fees. In determining the reasonableness of the fee sought for an attorney, agent, or expert witness, the administrative law judge shall consider the following: , (1) If the attorney, agent, or expert witness is in private practice, his or her customary fee for like services, or, if he or she is an employee of the applicant, the fully allocated cost of the services; , (2) The prevailing rate for similar services in the community in which the attorney, agent, or expert witness ordinarily performs services; , (3) The time actually spent in the representation of the applicant; , (4) The time reasonably spent in light of the difficulty or complexity of the issues in the proceeding; and , (5) Such other factors as may bear on the value of the services provided. , (c) Awards for studies. The reasonable cost of any study, analysis, test, project, or similar matter prepared on behalf of an applicant may be awarded to the extent that the charge for the service does not exceed the prevailing rate payable for similar services, and the study or other matter was necessary for preparation of the applicant's case and not otherwise required by law or sound business or financial practice. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.175"],"section_title":["\u00a7 308.175 Measure of awards."]},"_input_hash":-998222171,"_task_hash":324769820,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847710,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"The regulations in this part do not, are not intended to, and should not be construed to create any right or benefit, substantive or procedural, enforceable at law, in equity, or through administrative proceeding, by any party against FHFA, the United States, its other departments, agencies, or entities, its officers, employees, or agents.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1207"],"part_title":["PART 1207 - MINORITY AND WOMEN OUTREACH PROGRAM"],"section":["1207.4"],"section_title":["\u00a7 1207.4 Limitations."]},"_input_hash":-1066222073,"_task_hash":-510479226,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847723,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Management of covered positions - (1) Active management. An Enterprise must have clearly defined policies and procedures for actively managing all covered positions. At a minimum, these policies and procedures must require:, (i) Marking covered positions to market or to model on a daily basis;, (ii) Daily assessment of the Enterprise's ability to hedge position and portfolio risks, and of the extent of market liquidity;, (iii) Establishment and daily monitoring of limits on covered positions by a risk control unit independent of the business unit;, (iv) Routine monitoring by senior management of information described in paragraphs (a)(1)(i) through (iii) of this section;, (v) At least annual reassessment of established limits on positions by senior management; and, (vi) At least annual assessments by qualified personnel of the quality of market inputs to the valuation process, the soundness of key assumptions, the reliability of parameter estimation in pricing models, and the stability and accuracy of model calibration under alternative market scenarios., (2) Valuation of covered positions. The Enterprise must have a process for prudent valuation of its covered positions that includes policies and procedures on the valuation of positions, marking positions to market or to model, independent price verification, and valuation adjustments or reserves. The valuation process must consider, as appropriate, unearned credit spreads, close-out costs, early termination costs, investing and funding costs, liquidity, and model risk., (b) Requirements for internal models. (1) A risk control unit independent of the business unit must approve any internal model to calculate its risk-based capital requirement under this subpart., (2) An Enterprise must meet all of the requirements of this section on an ongoing basis. The Enterprise must promptly notify FHFA when:, (i) The Enterprise plans to extend the use of a model to an additional business line or product type;, (ii) The Enterprise makes any change to an internal model that would result in a material change in the Enterprise's risk-weighted asset amount for a portfolio of covered positions; or, (iii) The Enterprise makes any material change to its modeling assumptions., (3) FHFA may determine an appropriate capital requirement for the covered positions to which a model would apply, if FHFA determines that the model no longer complies with this subpart or fails to reflect accurately the risks of the Enterprise's covered positions., (4) The Enterprise must periodically, but no less frequently than annually, review its internal models in light of developments in financial markets and modeling technologies, and enhance those models as appropriate to ensure that they continue to meet the Enterprise's standards for model approval and employ risk measurement methodologies that are most appropriate for the Enterprise's covered positions., (5) The Enterprise must incorporate its internal models into its risk management process and integrate the internal models used for calculating its market risk measure into its daily risk management process., (6) The level of sophistication of an Enterprise's internal models must be commensurate with the complexity and amount of its covered positions. An Enterprise's internal models may use any of the generally accepted approaches, including variance-covariance models, historical simulations, or Monte Carlo simulations, to measure market risk., (7) The Enterprise's internal models must properly measure all the material risks in the covered positions to which they are applied., (8) The Enterprise's internal models must conservatively assess the risks arising from less liquid positions and positions with limited price transparency under realistic market scenarios., (9) The Enterprise must have a rigorous and well-defined process for re-estimating, re-evaluating, and updating its internal models to ensure continued applicability and relevance., (c) Control, oversight, and validation mechanisms. (1) The Enterprise must have a risk control unit that reports directly to senior management and is independent from the business units., (2) The Enterprise must validate its internal models initially and on an ongoing basis. The Enterprise's validation process must be independent of the internal models' development, implementation, and operation, or the validation process must be subjected to an independent review of its adequacy and effectiveness. Validation must include:, (i) An evaluation of the conceptual soundness of (including developmental evidence supporting) the internal models;, (ii) An ongoing monitoring process that includes verification of processes and the comparison of the Enterprise's model outputs with relevant internal and external data sources or estimation techniques; and, (iii) An outcomes analysis process that includes backtesting., (3) The Enterprise must stress test the market risk of its covered positions at a frequency appropriate to each portfolio, and in no case less frequently than quarterly. The stress tests must take into account concentration risk (including concentrations in single issuers, industries, sectors, or markets), illiquidity under stressed market conditions, and risks arising from the Enterprise's trading activities that may not be adequately captured in its internal models., (4) The Enterprise must have an internal audit function independent of business-line management that at least annually assesses the effectiveness of the controls supporting the Enterprise's market risk measurement systems, including the activities of the business units and independent risk control unit, compliance with policies and procedures, and calculation of the Enterprise's measures for spread risk under this subpart. At least annually, the internal audit function must report its findings to the Enterprise's board of directors (or a committee thereof)., (d) Internal assessment of capital adequacy. The Enterprise must have a rigorous process for assessing its overall capital adequacy in relation to its market risk., (e) Documentation. The Enterprise must adequately document all material aspects of its internal models, management and valuation of covered positions, control, oversight, validation and review processes and results, and internal assessment of capital adequacy.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["C"],"subchapter_title":["SUBCHAPTER C - ENTERPRISES"],"part":["1240"],"part_title":["PART 1240 - CAPITAL ADEQUACY OF ENTERPRISES"],"section":["1240.203"],"section_title":["\u00a7 1240.203 Requirements for managing market risk."]},"_input_hash":8473229,"_task_hash":-32664641,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847745,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"The Director may, in circumstances considered appropriate, require any regulated entity not subject to this part to conduct stress testing hereunder; and from time to time, issue such guidance and orders as may be necessary to facilitate implementation of this part.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - ENTITY REGULATIONS"],"part":["1238"],"part_title":["PART 1238 - STRESS TESTING OF REGULATED ENTITIES"],"section":["1238.8"],"section_title":["\u00a7 1238.8 Additional implementing action."]},"_input_hash":-1073272515,"_task_hash":-1696847168,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847773,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Application of purchases and sales. Any FDIC-supervised insured depository institution that - , (1) Engages in a retail forex transaction involving the purchase of any currency for the account of any retail forex customer when the account of such retail forex customer at the time of such purchase has an open retail forex transaction for the sale of the same currency;, (2) Engages in a retail forex transaction involving the sale of any currency for the account of any retail forex customer when the account of such retail forex customer at the time of such sale has an open retail forex transaction for the purchase of the same currency;, (3) Purchases a put or call option involving foreign currency for the account of any retail forex customer when the account of such retail forex customer at the time of such purchase has a short put or call option position with the same underlying currency, strike price, and expiration date as that purchased; or, (4) Sells a put or call option involving foreign currency for the account of any retail forex customer when the account of such retail forex customer at the time of such sale has a long put or call option position with the same underlying currency, strike price, and expiration date as that sold shall:, (i) Immediately apply such purchase or sale against such previously held opposite transaction; and, (ii) Promptly furnish such retail forex customer with a statement showing the financial result of the transactions involved and the name of any introducing broker to the account., (b) Close-out against oldest open position. In all instances where the short or long position in a customer's retail forex account immediately prior to an offsetting purchase or sale is greater than the quantity purchased or sold, the FDIC-supervised insured depository institution shall apply such offsetting purchase or sale to the oldest portion of the previously held short or long position., (c) Transactions to be applied as directed by customer. Notwithstanding paragraphs (a) and (b) of this section, the offsetting transaction shall be applied as directed by a retail forex customer's specific instructions. These instructions may not be made by the FDIC-supervised insured depository institution or an IAP.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["349"],"part_title":["PART 349 - DERIVATIVES"],"section":["349.17"],"section_title":["\u00a7 349.17 Application and closing out of offsetting long and short positions."]},"_input_hash":1943175526,"_task_hash":-1540209306,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847813,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Covered IHC long-term debt requirement. A Covered IHC must have an outstanding eligible Covered IHC long-term debt amount that is no less than the amount equal to the greatest of:, (1) 6 percent of the Covered IHC's total risk-weighted assets;, (2) If the Covered IHC is required to maintain a minimum supplementary leverage ratio, 2.5 percent of the Covered IHC's total leverage exposure; and, (3) 3.5 percent of the Covered IHC's average total consolidated assets., (b) Outstanding eligible Covered IHC long-term debt amount. (1) A Covered IHC's outstanding eligible Covered IHC long-term debt amount is the sum of:, (i) One hundred (100) percent of the amount due to be paid of unpaid principal of the outstanding eligible Covered IHC debt securities issued by the Covered IHC in greater than or equal to 730 days (two years); and, (ii) Fifty (50) percent of the amount due to be paid of unpaid principal of the outstanding eligible Covered IHC debt securities issued by the Covered IHC in greater than or equal to 365 days (one year) and less than 730 days (two years); and, (iii) Zero (0) percent of the amount due to be paid of unpaid principal of the outstanding eligible Covered IHC debt securities issued by the Covered IHC in less than 365 days (one year). , (2) For purposes of paragraph (b)(1) of this section, the date on which principal is due to be paid on an outstanding eligible Covered IHC debt security is calculated from the earlier of:, (i) The date on which payment of principal is required under the terms governing the instrument, without respect to any right of the holder to accelerate payment of principal; and, (ii) The date the holder of the instrument first has the contractual right to request or require payment of the amount of principal, provided that, with respect to a right that is exercisable on one or more dates that are specified in the instrument only on the occurrence of an event (other than an event of a receivership, insolvency, liquidation, or similar proceeding of the Covered IHC, or a failure of the Covered IHC to pay principal or interest on the instrument when due), the date for the outstanding eligible Covered IHC debt security under this paragraph (b)(2)(ii) will be calculated as if the event has occurred., (3) After notice and response proceedings consistent with 12 CFR part 263, subpart E, the Board may order a Covered IHC to exclude from its outstanding eligible Covered IHC long-term debt amount any debt security with one or more features that would significantly impair the ability of such debt security to take losses., (c) Redemption and repurchase. Without the prior approval of the Board, a Covered IHC may not redeem or repurchase any outstanding eligible Covered IHC debt security if, immediately after the redemption or repurchase, the Covered IHC would not have an outstanding eligible Covered IHC long-term debt amount that is sufficient to meet its Covered IHC long-term debt requirement under paragraph (a) of this section.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["252"],"part_title":["PART 252 - ENHANCED PRUDENTIAL STANDARDS (REGULATION YY)"],"section":["252.162"],"section_title":["\u00a7 252.162 Covered IHC long-term debt requirement."]},"_input_hash":872153606,"_task_hash":-1342762507,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847857,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Questions have arisen as to the adequacy of statements received by lending banks under \u00a7 221.3(c), \u201cPurpose Statement,\u201d in the case of loans to brokers or dealers secured by margin stock where the proceeds of the loans are to be used to finance customer transactions involving the purchasing or carrying of margin stock. While some such loans may qualify for exemption under \u00a7\u00a7 221.1(b)(2), 221.4, 221.5 or 221.6, unless they do qualify for such an exemption they are subject to this part. For example, if a loan so secured is made to a broker to furnish cash working capital for the conduct of his brokerage business (i.e., for purchasing and carrying securities for the account of customers), the maximum loan value prescribed in \u00a7 221.7 (the Supplement) would be applicable unless the loan should be of a kind exempted under this part. This result would not be affected by the fact that the margin stock given as security for the loan was or included margin stock owned by the brokerage firm. In view of the foregoing, the statement referred to in \u00a7 221.3(c) which the lending bank must accept in good faith in determining the purpose of the loan would be inadequate if the form of statement accepted or used by the bank failed to call for answers which would indicate whether or not the loan was of the kind discussed elsewhere in this section.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["221"],"part_title":["PART 221 - CREDIT BY BANKS AND PERSONS OTHER THAN BROKERS OR DEALERS FOR THE PURPOSE OF PURCHASING OR CARRYING MARGIN STOCK (REGULATION U)"],"section":["221.103"],"section_title":["\u00a7 221.103 Loans to brokers or dealers."]},"_input_hash":782179215,"_task_hash":1242986065,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711847895,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"A decision by a hearing official shall become the final decision of FHFA for the purpose of judicial review under the Administrative Procedure Act.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1208"],"part_title":["PART 1208 - DEBT COLLECTION"],"section":["1208.71"],"section_title":["\u00a7 1208.71 Finality of agency action."]},"_input_hash":-859617535,"_task_hash":1471388772,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848005,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Notice to the public. Upon the issuance of a final order for removal, suspension, or debarment of an independent public accountant or accounting firm from providing audit services, the Board shall make the order publicly available and provide notice of the order to the other Federal banking agencies., (b) Notice to the Board by accountants and firms. An accountant or accounting firm that provides audit services to a banking organization must provide the Board with written notice of:, (1) Any currently effective order or other action described in \u00a7 263.402(a)(1)(vi) through (a)(1)(vii) or \u00a7 263.403(a)(2) through (a)(3); and , (2) Any currently effective action by the Public Company Accounting Oversight Board under sections 105(c)(4)(C) or (G) of the Sarbanes-Oxley Act of 2002 (15 U.S.C. 7215(c)(4)(C) or (G)). , (c) Timing of notice. Written notice required by this paragraph shall be given no later than 15 calendar days following the effective date of an order or action, or 15 calendar days before an accountant or firm accepts an engagement to provide audit services, whichever date is earlier.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["263"],"part_title":["PART 263 - RULES OF PRACTICE FOR HEARINGS"],"section":["263.404"],"section_title":["\u00a7 263.404 Notice of removal, suspension, or debarment."]},"_input_hash":-291563147,"_task_hash":-1664004723,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848036,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Consolidation of members. Upon the consolidation of two or more institutions that are members of the same Bank into one institution operating under the charter of one of the consolidating institutions, the membership of the surviving institution shall continue and the membership of each disappearing institution shall terminate on the cancellation of its charter. Upon the consolidation of two or more institutions, at least two of which are members of different Banks, into one institution operating under the charter of one of the consolidating institutions, the membership of the surviving institution shall continue and the membership of each disappearing institution shall terminate upon cancellation of its charter, provided, however, that if more than 80 percent of the assets of the consolidated institution are derived from the assets of a disappearing institution, then the consolidated institution shall continue to be a member of the Bank of which that disappearing institution was a member prior to the consolidation, and the membership of the other institutions shall terminate upon the effective date of the consolidation., (b) Consolidation into nonmember - (1) In general. Upon the consolidation of a member into an institution that is not a member of a Bank, where the consolidated institution operates under the charter of the nonmember institution, the membership of the disappearing institution shall terminate upon the cancellation of its charter., (2) Notification. If a member has consolidated into a nonmember that has its principal place of business in a State in the same Bank district as the former member, the consolidated institution shall have 60 calendar days after the cancellation of the charter of the former member within which to notify the Bank of the former member that the consolidated institution intends to apply for membership in such Bank. If the consolidated institution does not so notify the Bank by the end of the period, the Bank shall require the liquidation of any outstanding indebtedness owed by the former member, shall settle all outstanding business transactions with the former member, and shall redeem or repurchase the Bank stock owned by the former member in accordance with \u00a7 1263.29., (3) Application. If such a consolidated institution has notified the appropriate Bank of its intent to apply for membership, the consolidated institution shall submit an application for membership within 60 calendar days of so notifying the Bank. If the consolidated institution does not submit an application for membership by the end of the period, the Bank shall require the liquidation of any outstanding indebtedness owed by the former member, shall settle all outstanding business transactions with the former member, and shall redeem or repurchase the Bank stock owned by the former member in accordance with \u00a7 1263.29., (4) Outstanding indebtedness. If a member has consolidated into a nonmember institution, the Bank need not require the former member or its successor to liquidate any outstanding indebtedness owed to the Bank or to redeem its Bank stock, as otherwise may be required under \u00a7 1263.29, during:, (i) The initial 60 calendar-day notification period;, (ii) The 60 calendar-day period following receipt of a notification that the consolidated institution intends to apply for membership; and, (iii) The period of time during which the Bank processes the application for membership., (5) Approval of membership. If the application of such a consolidated institution is approved, the consolidated institution shall become a member of that Bank upon the purchase of the amount of Bank stock necessary, when combined with any Bank stock acquired from the disappearing member, to satisfy the minimum stock purchase requirements established by the Bank's capital structure plan., (6) Disapproval of membership. If the Bank disapproves the application for membership of the consolidated institution, the Bank shall require the liquidation of any outstanding indebtedness owed by, and the settlement of all other outstanding business transactions with, the former member, and shall redeem or repurchase the Bank stock owned by the former member in accordance with \u00a7 1263.29., (c) Dividends on acquired Bank stock. A consolidated institution shall be entitled to receive dividends on the Bank stock that it acquires as a result of a consolidation with a member in accordance with applicable FHFA regulations.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1263"],"part_title":["PART 1263 - MEMBERS OF THE BANKS"],"section":["1263.24"],"section_title":["\u00a7 1263.24 Consolidations involving members."]},"_input_hash":1257112219,"_task_hash":-1379656225,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848049,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"The applicant and agency counsel may agree on a proposed settlement of an award before the final decision on the application for award is made, either in connection with a settlement of the underlying adversary adjudication or after the underlying adversary adjudication has been concluded. If the eligible party and agency counsel agree on a proposed settlement of an award before an application for award has been filed, the application must be filed with the proposed settlement.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1203"],"part_title":["PART 1203 - EQUAL ACCESS TO JUSTICE ACT"],"section":["1203.24"],"section_title":["\u00a7 1203.24 Settlement."]},"_input_hash":-684102000,"_task_hash":-184404767,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848062,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Claimants seeking a review of the determination of claims may seek alternative dispute resolution from the Agency as receiver in lieu of a judicial determination. The Director may by order, policy statement, or directive establish alternative dispute resolution procedures for this purpose.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - ENTITY REGULATIONS"],"part":["1237"],"part_title":["PART 1237 - CONSERVATORSHIP AND RECEIVERSHIP"],"section":["1237.8"],"section_title":["\u00a7 1237.8 Alternate procedures for determination of claims."]},"_input_hash":934221779,"_task_hash":-1908226831,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848072,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"The prohibitions of \u00a7 238.93 do not apply in the case of any one or more of the following organizations or to a subsidiary thereof:, (a) A depository organization that has been placed formally in liquidation, or which is in the hands of a receiver, conservator, or other official exercising a similar function;, (b) A corporation operating under section 25 or section 25A of the Federal Reserve Act (12 U.S.C. 601 et seq. and 12 U.S.C. 611 et seq., respectively) (Edge Corporations and Agreement Corporations);, (c) A credit union being served by a management official of another credit union;, (d) A depository organization that does not do business within the United States except as an incident to its activities outside the United States;, (e) A State-chartered savings and loan guaranty corporation;, (f) A Federal Home Loan Bank or any other bank organized solely to serve depository institutions (a bankers' bank) or solely for the purpose of providing securities clearing services and services related thereto for depository institutions and securities companies;, (g) A depository organization that is closed or is in danger of closing as determined by the appropriate Federal depository institutions regulatory agency and is acquired by another depository organization. This exemption lasts for five years, beginning on the date the depository organization is acquired;, (h)(1) A diversified savings and loan holding company (as defined in section 10(a)(1)(F) of the Home Owners' Loan Act (12 U.S.C. 1467a(a)(1)(F)) with respect to the service of a director of such company who also is a director of an unaffiliated depository organization if:, (i) Both the diversified savings and loan holding company and the unaffiliated depository organization notify their appropriate Federal depository institutions regulatory agency at least 60 days before the dual service is proposed to begin; and, (ii) The appropriate regulatory agency does not disapprove the dual service before the end of the 60-day period., (2) The Board may disapprove a notice of proposed service if it finds that:, (i) The service cannot be structured or limited so as to preclude an anticompetitive effect in financial services in any part of the United States;, (ii) The service would lead to substantial conflicts of interest or unsafe or unsound practices; or, (iii) The notificant failed to furnish all the information required by the Board., (3) The Board may require that any interlock permitted under this paragraph (h) be terminated if a change in circumstances occurs with respect to one of the interlocked depository organizations that would have provided a basis for disapproval of the interlock during the notice period; and, (i) Any savings association or any savings and loan holding company (as defined in section 10(a)(1)(D) of the Home Owners' Loan Act) which has issued stock in connection with a qualified stock issuance pursuant to section 10(q) of such Act, except that this paragraph (i) shall apply only with regard to service by a single management official of such savings association or holding company, or any subsidiary of such savings association or holding company, by a single management official of the savings and loan holding company which purchased the stock issued in connection with such qualified stock issuance, and shall apply only when the Board has determined that such service is consistent with the purposes of the Interlocks Act and the Home Owners' Loan Act.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["238"],"part_title":["PART 238 - SAVINGS AND LOAN HOLDING COMPANIES (REGULATION LL)"],"section":["238.94"],"section_title":["\u00a7 238.94 Interlocking relationships permitted by statute."]},"_input_hash":-6632078,"_task_hash":-2099834127,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848092,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) General requirement. A covered entity must ensure that each covered QFC conforms to the requirements of \u00a7\u00a7 252.83 and 252.84., (b) Covered entities. For purposes of this subpart, a covered entity is:, (1) A bank holding company that is identified as a global systemically important BHC pursuant to 12 CFR 217.402;, (2) A subsidiary of a company identified in paragraph (b)(1) of this section other than a subsidiary that is:, (i) A national bank, a Federal savings association, a Federal branch, a Federal agency, an FSI;, (ii) A company owned pursuant to section 3(a)(A)(ii), 4(c)(2), 4(k)(4)(H), or 4(k)(4)(I) of the Bank Holding Company Act (12 U.S.C. 1842(a)(A)(ii), 1843(c)(2), 1843(k)(4)(H), 1843(k)(4)(I));, (iii) A company owned by a depository institution in satisfaction of debt previously contracted in good faith;, (iv) A portfolio concern, as defined under 13 CFR 107.50, that is controlled by a small business investment company, as defined in section 103(3) of the Small Business Investment Act of 1958 (15 U.S.C. 662); or, (v) A company the business of which is to make investments that are designed primarily to promote the public welfare, of the type permitted under paragraph (11) of section 5136 of the Revised Statutes of the United States (12 U.S.C. 24), including the welfare of low- and moderate-income communities or families (such as providing housing, services, or jobs)); or, (3) A U.S. subsidiary, U.S. branch, or U.S. agency of a global systemically important foreign banking organization other than a U.S. subsidiary, U.S. branch, or U.S. agency that is:, (i) A national bank, a Federal savings association, a Federal branch, a Federal agency, an FSI;, (ii) A company owned pursuant to section 3(a)(A)(ii), 4(c)(2), 4(k)(4)(H), or 4(k)(4)(I) of the Bank Holding Company Act (12 U.S.C. 1842(a)(A)(ii), 1843(c)(2), 1843(k)(4)(H), 1843(k)(4)(I));, (iii) A company owned by a depository institution in satisfaction of debt previously contracted in good faith;, (iv) A portfolio concern, as defined under 13 CFR 107.50, that is controlled by a small business investment company, as defined in section 103(3) of the Small Business Investment Act of 1958 (15 U.S.C. 662);, (v) A company the business of which is to make investments that are designed primarily to promote the public welfare, of the type permitted under paragraph (11) of section 5136 of the Revised Statutes of the United States (12 U.S.C. 24), including the welfare of low- and moderate-income communities or families (such as providing housing, services, or jobs);, (vi) A section 2(h)(2) company; or, (vii) A DPC branch subsidiary., (c) Covered QFCs. For purposes of this subpart, a covered QFC is:, (1) With respect to a covered entity that is a covered entity on November 13, 2017, an in-scope QFC that the covered entity:, (i) Enters, executes, or otherwise becomes a party to on or after January 1, 2019; or, (ii) Entered, executed, or otherwise became a party to before January 1, 2019, if the covered entity or any affiliate that is a covered entity or excluded bank also enters, executes, or otherwise becomes a party to a QFC with the same person or a consolidated affiliate of the same person on or after January 1, 2019., (2) With respect to a covered entity that becomes a covered entity after November 13, 2017, an in-scope QFC that the covered entity:, (i) Enters, executes or otherwise becomes a party to on or after the later of the date the covered entity first becomes a covered entity and January 1, 2019; or, (ii) Entered, executed, or otherwise became a party to before the date identified in paragraph (c)(2)(i) of this section with respect to the covered entity, if the covered entity or any affiliate that is a covered entity or excluded bank also enters, executes, or otherwise becomes a party to a QFC with the same person or consolidated affiliate of the same person on or after the date identified in paragraph (c)(2)(i) with respect to the covered entity., (d) In-scope QFCs. An in-scope QFC is a QFC that explicitly:, (1) Restricts the transfer of a QFC (or any interest or obligation in or under, or any property securing, the QFC) from a covered entity; or, (2) Provides one or more default rights with respect to a QFC that may be exercised against a covered entity., (e) Rules of construction. For purposes of this subpart:, (1) A covered entity does not become a party to a QFC solely by acting as agent with respect to the QFC; and, (2) The exercise of a default right with respect to a covered QFC includes the automatic or deemed exercise of the default right pursuant to the terms of the QFC or other arrangement., (f) Initial applicability of requirements for covered QFCs. (1) With respect to each of its covered QFCs, a covered entity that is a covered entity on November 13, 2017 must conform the covered QFC to the requirements of this subpart by:, (i) January 1, 2019, if each party to the covered QFC is a covered entity or an excluded bank;, (ii) July 1, 2019, if each party to the covered QFC (other than the covered entity) is a financial counterparty that is not a covered entity or excluded bank; or, (iii) January 1, 2020, if a party to the covered QFC (other than the covered entity) is not described in paragraph (f)(1)(i) or (f)(1)(ii) of this section or if, notwithstanding paragraph (f)(1)(ii), a party to the covered QFC (other than the covered entity) is a small financial institution., (2) With respect to each of its covered QFCs, a covered entity that is not a covered entity on November 13, 2017 must conform the covered QFC to the requirements of this subpart by:, (i) The first day of the calendar quarter immediately following 1 year after the date the covered entity first becomes a covered entity, if each party to the covered QFC is a covered entity or an excluded bank;, (ii) The first day of the calendar quarter immediately following 18 months from the date the covered entity first becomes a covered entity if each party to the covered QFC (other than the covered entity) is a financial counterparty that is not a covered entity or excluded bank; or, (iii) The first day of the calendar quarter immediately following 2 years from the date the covered entity first becomes a covered entity if a party to the covered QFC (other than the covered entity) is not described in paragraph (f)(2)(i) or (f)(2)(ii) of this section or if, notwithstanding paragraph (f)(2)(ii), a party to the covered QFC (other than the covered entity) is a small financial institution.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["252"],"part_title":["PART 252 - ENHANCED PRUDENTIAL STANDARDS (REGULATION YY)"],"section":["252.82"],"section_title":["\u00a7 252.82 Applicability."]},"_input_hash":1833498430,"_task_hash":-909709369,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848130,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Regulation, supervisory, oversight, examination and enforcement authority. FCA has regulatory, supervisory, oversight, examination and enforcement authority over each System institution's equity investment in or control of a UBE and the services and functions that a UBE performs for the System institution. This includes FCA's authority to require a System institution's dissolution of, disassociation from, or divestiture of an equity investment in a UBE, or to otherwise condition the approval of equity investments in UBEs., (b) Assessing UBE investments and business activity. In accordance with section 5.15 of the Act, the cost of regulating and examining System institutions' activities involving UBEs will be taken into account when assessing a System institution for the cost of administering the Act.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["611"],"part_title":["PART 611 - ORGANIZATION"],"section":["611.1152"],"section_title":["\u00a7 611.1152 Authority over equity investments in UBEs for business activity."]},"_input_hash":-1416473351,"_task_hash":672685063,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848154,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) When one loan to a borrower is placed in nonaccrual, an institution must immediately evaluate whether its other loans to that borrower, or related borrowers, should also be placed in nonaccrual. All loans on which a borrowing entity, or a component of a borrowing entity, is primarily obligated to the reporting institution shall be considered as one loan unless a review of all pertinent facts supports a reasonable determination that a particular loan constitutes an independent credit risk and such determination is adequately documented in the loan file. , (1) A loan shall be considered an independent credit risk if a substantial portion of the loan is guaranteed as to principal and interest by a government agency. , (2) Other loans shall be considered independent credit risks if and so long as: , (i) The primary sources of repayment are independent for each loan; , (ii) The loans are not cross-collateralized; and , (iii) The principal obligors are different person(s) and/or entity(ies). Related loans will not be considered independent credit risks if the operations of a related borrower are so financially interdependent with the borrower's operations that the economic survival of one will materially affect the economic survival of the other, determined in accordance with \u00a7 614.4359(a)(2) of this chapter. , (b) If the evaluation required by paragraph (a) of this section results in a determination that the borrower's other loans with the institution do not represent an independent credit risk, and full collection of such loans is not expected, then all of the borrower's loans must be aggregated and classified as nonaccrual. If such other loans represent an independent credit risk and are fully collectible, then they may remain in their current performance category. , (c) When an institution becomes aware that a borrower has a loan that has been classified nonaccrual by any other lender, the institution must re-evaluate the credit risk in its loan to the borrower and then determine whether an independent credit risk exists. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["621"],"part_title":["PART 621 - ACCOUNTING AND REPORTING REQUIREMENTS"],"section":["621.7"],"section_title":["\u00a7 621.7 Rule of aggregation."]},"_input_hash":1382431177,"_task_hash":1338099329,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848227,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Witnesses subpoenaed for testimony or depositions shall be paid the same fees for attendance and mileage as are paid in the United States district courts in proceedings in which the United States is a party, provided that, in the case of a discovery subpoena addressed to a party, no witness fees or mileage need be paid. Fees for witnesses shall be tendered in advance by the party requesting the subpoena, except that fees and mileage need not be tendered in advance where the Board is the party requesting the subpoena. The Board shall not be required to pay any fees to, or expenses of, any witness not subpoenaed by the Board.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["263"],"part_title":["PART 263 - RULES OF PRACTICE FOR HEARINGS"],"section":["263.14"],"section_title":["\u00a7 263.14 Witness fees and expenses."]},"_input_hash":-1502391946,"_task_hash":-1345773777,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848240,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"A copy of the offering circular, or similar document, if any, used in connection with an offering exempt from the offering circular requirement of \u00a7 390.411 by reason of \u00a7 390.412(e) or \u00a7 390.413 shall be mailed to the FDIC within 30 days after the first sale of such securities. Such copy of the offering circular, or similar document, is solely for the information of the FDIC and shall not be deemed to be \u201cfiled\u201d with the FDIC pursuant to \u00a7 390.411. The mailing to the FDIC of such offering circular, or similar document, shall not be a pre-condition of the applicable exemption from the offering circular requirements of \u00a7 390.411.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["390"],"part_title":["PART 390 - REGULATIONS TRANSFERRED FROM THE OFFICE OF THRIFT SUPERVISION"],"section":["390.430"],"section_title":["\u00a7 390.430 Filing of copies of offering circulars in certain exempt offerings."]},"_input_hash":-1316347633,"_task_hash":-2067675952,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848259,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) No obligation shall be purchased from or discounted for and no loan shall be made or other similar financial assistance extended by a Farm Credit Bank or agricultural credit bank to an OFI if the amount of such obligation added to the aggregate liabilities of such OFI, whether direct or contingent (other than bona fide deposit liabilities), exceeds ten times the paid-in and unimpaired capital and surplus of such OFI or the amount of such liabilities permitted under the laws of the jurisdiction creating such OFI, whichever is less., (b) It shall be unlawful for any national bank that is indebted to any Farm Credit Bank or agricultural credit bank, on paper discounted or purchased, to incur any additional indebtedness, if by virtue of such additional indebtedness its aggregate liabilities, direct or contingent, will exceed the limitation described in paragraph (a) of this section.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4580"],"section_title":["\u00a7 614.4580 Limitation on the extension of funding, discount and other similar financial assistance to an OFI."]},"_input_hash":1033453685,"_task_hash":1554299211,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848276,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"The records referred to in \u00a7 792.02 may be relied on, used, or cited as precedent by NCUA against a party, provided:, (a) The materials have been indexed and either made available or published; or, (b) The party has actual and timely notice of the materials' contents.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["792"],"part_title":["PART 792 - REQUESTS FOR INFORMATION UNDER THE FREEDOM OF INFORMATION ACT AND PRIVACY ACT, AND BY SUBPOENA; SECURITY PROCEDURES FOR CLASSIFIED INFORMATION"],"section":["792.05"],"section_title":["\u00a7 792.05 What is the significance of records made available and indexed?"]},"_input_hash":-1648662149,"_task_hash":-1817826721,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848288,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Filing procedures - (1) Where to file. An application by an insured state branch seeking approval to conduct activities not permissible for a federal branch, as required by \u00a7 347.212(a) of this chapter, shall be submitted in writing to the appropriate FDIC office., (2) Content of filing. A complete letter application shall include the following information:, (i) A brief description of the activity, including the manner in which it will be conducted and an estimate of the expected dollar volume associated with the activity; , (ii) An analysis of the impact of the proposed activity on the condition of the United States operations of the foreign bank in general and of the branch in particular, including a copy of the feasibility study, management plan, financial projections, business plan, or similar document concerning the conduct of the activity; , (iii) A resolution by the applicant's board of directors, or evidence of approval by senior management if a resolution is not required pursuant to the applicant's organizational documents, authorizing the filing of the application; , (iv) A statement by the applicant of whether it is in compliance with sections 347.209 and 347.210 of this chapter;, (v) A statement by the applicant that it has complied with all requirements of the Board of Governors concerning applications to conduct the activity in question and the status of each such application, including a copy of the Board of Governors' disposition of such application, if applicable; and , (vi) A statement of why the activity will pose no significant risk to the Deposit Insurance Fund. , (3) Board of Governors application. If the application to the Board of Governors contains the information required by paragraph (a) of this section, the applicant may submit a copy to the FDIC in lieu of a separate letter application. , (4) Additional information. The FDIC may request additional information to complete processing., (b) Divestiture or cessation - (1) Where to file. Divestiture plans necessitated by a change in law or other authority, as required by \u00a7 347.212(e) of this chapter, shall be submitted in writing to the appropriate FDIC office., (2) Content of filing. A complete letter application shall include the following information:, (i) A detailed description of the manner in which the applicant proposes to divest itself of or cease the activity in question; and , (ii) A projected timetable describing how long the divestiture or cessation is expected to take. , (3) Additional information. The FDIC may request additional information to complete processing. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["303"],"part_title":["PART 303 - FILING PROCEDURES"],"section":["303.187"],"section_title":["\u00a7 303.187 Approval for an insured state branch of a foreign bank to conduct activities not permissible for federal branches."]},"_input_hash":781206488,"_task_hash":-1447888448,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848302,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Except as otherwise provided in \u00a7 794.150, no qualified handicapped person shall, because the agency's facilities are inaccessible to or unusable by handicapped persons, be denied the benefits of, be excluded from participation in, or otherwise be subjected to discrimination under any program or activity conducted by the agency.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["794"],"part_title":["PART 794 - ENFORCEMENT OF NONDISCRIMINATION ON THE BASIS OF HANDICAP IN PROGRAMS OR ACTIVITIES CONDUCTED BY THE NATIONAL CREDIT UNION ADMINISTRATION"],"section":["794.149"],"section_title":["\u00a7 794.149 Program accessibility: Discrimination prohibited."]},"_input_hash":656822020,"_task_hash":1400923311,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848314,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) The board of directors of the merging credit union must certify the results of the membership vote to the Regional Director within 14 calendar days after the vote is taken., (b) The certification must also include a statement that the notice, ballot, and other written materials provided to members were identical to those submitted to NCUA pursuant to \u00a7 708a.305. If the board cannot certify this, the board must provide copies of any new or revised materials and an explanation of the reasons for any changes., (c) The certification must include copies of any correspondence between the credit union and other regulators related to the pending merger.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["708a"],"part_title":["PART 708a - BANK CONVERSIONS AND MERGERS"],"section":["708a.307"],"section_title":["\u00a7 708a.307 Certification of vote on merger proposal."]},"_input_hash":-1631156783,"_task_hash":-1118269570,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848325,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) By the Bank. A Bank shall reimburse its AHP fund in the amount of any AHP subsidies (plus interest, if appropriate) not used in compliance with the commitments in an AHP application or the requirements of this part as a result of the actions or omissions of the Bank., (b) By FHFA order. FHFA may order a Bank to reimburse its AHP fund in an appropriate amount upon determining that:, (1) The Bank has failed to reimburse its AHP fund as required under paragraph (a) of this section; or, (2) The Bank has failed to recover the full amount of AHP subsidy due from a project sponsor, project owner, or member pursuant to the requirements of \u00a7\u00a7 1291.60 and 1291.61, and has not shown that such failure is reasonably justified, considering factors such as those in \u00a7 1291.60(c)(2)(i).","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["E"],"subchapter_title":["SUBCHAPTER E - HOUSING GOALS AND MISSION"],"part":["1291"],"part_title":["PART 1291 - FEDERAL HOME LOAN BANKS' AFFORDABLE HOUSING PROGRAM"],"section":["1291.62"],"section_title":["\u00a7 1291.62 Bank reimbursement of AHP fund."]},"_input_hash":-83236997,"_task_hash":1911831763,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848625,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Disbursement of AHP direct subsidies to members. (1) A Bank may disburse AHP direct subsidies under its Homeownership Set-Aside Programs only to institutions that are members of the Bank at the time they request a draw-down of the subsidies., (2) If an institution with an approved application for AHP direct subsidy loses its membership in a Bank, the Bank may disburse AHP direct subsidies to a member of such Bank to which the institution has transferred its obligations under the approved AHP application, or the Bank may disburse AHP direct subsidies through another Bank to a member of that Bank that has assumed the institution's obligations under the approved AHP application., (b) Reservation of Homeownership Set-Aside Program subsidies. A Bank shall establish and implement policies for reservation of set-aside subsidies for households enrolled in the Bank's Homeownership Set-Aside Programs. The policies shall provide that set-aside subsidies be reserved no more than two years in advance of the Bank's time limit in its AHP Implementation Plan for draw-down and use of the subsidies by the household and the reservation of subsidies be made from the allocation for the Homeownership Set-Aside Programs for the year in which the Bank makes the reservation., (c) Progress towards use of AHP direct subsidy. A Bank shall establish and implement policies, including time limits, for determining whether progress is being made towards draw-down and use of the AHP direct subsidies by eligible households, and whether to cancel AHP application approvals for lack of such progress. If a Bank cancels any AHP application approvals due to lack of such progress, it shall make the AHP direct subsidies available for other applicants for AHP direct subsidies under the Homeownership Set-Aside Programs or for other AHP-eligible projects.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["E"],"subchapter_title":["SUBCHAPTER E - HOUSING GOALS AND MISSION"],"part":["1291"],"part_title":["PART 1291 - FEDERAL HOME LOAN BANKS' AFFORDABLE HOUSING PROGRAM"],"section":["1291.44"],"section_title":["\u00a7 1291.44 Procedures for funding."]},"_input_hash":-1824277501,"_task_hash":172147055,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848643,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Covered depository institution means an insured depository institution, as such term is defined in section 3 of the Federal Deposit Insurance Act, 12 U.S.C. 1813, for which the Corporation is the appropriate Federal banking agency and that meets all of the following criteria:, (1) Has less than $5 billion in total consolidated assets as reported in its report of condition for the second calendar quarter of the preceding year;, (2) Has no foreign offices, as defined in this section;, (3) Is not required to or has not elected to use 12 CFR part 324, subpart E, to calculate its risk-based capital requirements;, (4) Is not a large institution or highly complex institution, as such terms are defined in 12 CFR 327.8, or treated as a large institution, as requested under 12 CFR 327.16(f); and, (5) Is not a state-licensed insured branch of a foreign bank, as such terms are defined in section 3(s) of the Federal Deposit Insurance Act, 12 U.S.C. 1813(s)., (6) In determining whether an insured depository institution meets the asset threshold in paragraph (1) of the definition of \u201ccovered depository institution\u201d in paragraph (a)(1) of this section, for purposes of a report required to be submitted for calendar year 2021, an insured depository institution may refer to the lesser of its total consolidated assets as reported in its report of condition as of December 31, 2019, and its total consolidated assets as reported in its report of condition for the second calendar quarter of 2020., (b) Foreign country refers to one or more foreign nations, and includes the overseas territories, dependencies, and insular possessions of those nations and of the United States., (c) Foreign office means:, (1) A branch or consolidated subsidiary in a foreign country, unless the branch is located on a U.S. military facility;, (2) An international banking facility as such term is defined in 12 CFR 204.8;, (3) A majority-owned Edge Act or Agreement subsidiary including both its U.S. and its foreign offices; and, (4) For an institution chartered or headquartered in any U.S. state or the District of Columbia, a branch or consolidated subsidiary located in a U.S. territory or possession., (d) Report of condition means the FFIEC 031, FFIEC 041, or FFIEC 051 versions of the Consolidated Report of Condition and Income (Call Report) or the FFIEC 002 (Report of Assets and Liabilities of U.S. Branches and Agencies of Foreign Banks), as applicable, and as they may be amended or superseded from time to time in accordance with the Paperwork Reduction Act of 1995, 44 U.S.C. chapter 35., (e) Total consolidated assets means total assets as reported in an insured depository institution's report of condition.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["304"],"part_title":["PART 304 - FORMS, INSTRUCTIONS, AND REPORTS"],"section":["304.12"],"section_title":["\u00a7 304.12 Definitions."]},"_input_hash":-661454999,"_task_hash":-31103385,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848674,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Each Federal Reserve Bank is hereby authorized as fiscal agent of the Office of Finance: To perform functions with respect to the issuance of Book-entry consolidated obligations, in accordance with the terms of the applicable offering notice and with procedures established by the Office of Finance; to service and maintain Book-entry consolidated obligations in accounts established for such purposes; to make payments of principal, interest and redemption premium (if any), as directed by the Office of Finance; to effect transfer of Book-entry consolidated obligations between Participants' Securities Accounts as directed by the Participants; and to perform such other duties as fiscal agent as may be requested by the Office of Finance., (b) Each Federal Reserve Bank may issue Operating Circulars not inconsistent with this part 1270, governing the details of its handling of Book-entry consolidated obligations, Security Entitlements, and the operation of the Book-entry system under this part 1270.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1270"],"part_title":["PART 1270 - LIABILITIES"],"section":["1270.16"],"section_title":["\u00a7 1270.16 Authority of Federal Reserve Banks."]},"_input_hash":-1884085430,"_task_hash":-243544815,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848690,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) General requirement. Except as provided in \u00a7\u00a7 244.5 through 244.10, the sponsor of a securitization transaction must retain an eligible vertical interest or eligible horizontal residual interest, or any combination thereof, in accordance with the requirements of this section., (1) If the sponsor retains only an eligible vertical interest as its required risk retention, the sponsor must retain an eligible vertical interest in a percentage of not less than 5 percent., (2) If the sponsor retains only an eligible horizontal residual interest as its required risk retention, the amount of the interest must equal at least 5 percent of the fair value of all ABS interests in the issuing entity issued as a part of the securitization transaction, determined using a fair value measurement framework under GAAP., (3) If the sponsor retains both an eligible vertical interest and an eligible horizontal residual interest as its required risk retention, the percentage of the fair value of the eligible horizontal residual interest and the percentage of the eligible vertical interest must equal at least five., (4) The percentage of the eligible vertical interest, eligible horizontal residual interest, or combination thereof retained by the sponsor must be determined as of the closing date of the securitization transaction., (b) Option to hold base amount in eligible horizontal cash reserve account. In lieu of retaining all or any part of an eligible horizontal residual interest under paragraph (a) of this section, the sponsor may, at closing of the securitization transaction, cause to be established and funded, in cash, an eligible horizontal cash reserve account in the amount equal to the fair value of such eligible horizontal residual interest or part thereof, provided that the account meets all of the following conditions:, (1) The account is held by the trustee (or person performing similar functions) in the name and for the benefit of the issuing entity;, (2) Amounts in the account are invested only in cash and cash equivalents; and, (3) Until all ABS interests in the issuing entity are paid in full, or the issuing entity is dissolved:, (i) Amounts in the account shall be released only to:, (A) Satisfy payments on ABS interests in the issuing entity on any payment date on which the issuing entity has insufficient funds from any source to satisfy an amount due on any ABS interest; or, (B) Pay critical expenses of the trust unrelated to credit risk on any payment date on which the issuing entity has insufficient funds from any source to pay such expenses and:, (1) Such expenses, in the absence of available funds in the eligible horizontal cash reserve account, would be paid prior to any payments to holders of ABS interests; and, (2) Such payments are made to parties that are not affiliated with the sponsor; and, (ii) Interest (or other earnings) on investments made in accordance with paragraph (b)(2) of this section may be released once received by the account., (c) Disclosures. A sponsor relying on this section shall provide, or cause to be provided, to potential investors, under the caption \u201cCredit Risk Retention\u201d, a reasonable period of time prior to the sale of the asset-backed securities in the securitization transaction the following disclosures in written form and within the time frames set forth in this paragraph (c):, (1) Horizontal interest. With respect to any eligible horizontal residual interest held under paragraph (a) of this section, a sponsor must disclose:, (i) A reasonable period of time prior to the sale of an asset-backed security issued in the same offering of ABS interests,, (A) The fair value (expressed as a percentage of the fair value of all of the ABS interests issued in the securitization transaction and dollar amount (or corresponding amount in the foreign currency in which the ABS interests are issued, as applicable)) of the eligible horizontal residual interest that the sponsor expects to retain at the closing of the securitization transaction. If the specific prices, sizes, or rates of interest of each tranche of the securitization are not available, the sponsor must disclose a range of fair values (expressed as a percentage of the fair value of all of the ABS interests issued in the securitization transaction and dollar amount (or corresponding amount in the foreign currency in which the ABS interests are issued, as applicable)) of the eligible horizontal residual interest that the sponsor expects to retain at the close of the securitization transaction based on a range of bona fide estimates or specified prices, sizes, or rates of interest of each tranche of the securitization. A sponsor disclosing a range of fair values based on a range of bona fide estimates or specified prices, sizes or rates of interest of each tranche of the securitization must also disclose the method by which it determined any range of prices, tranche sizes, or rates of interest., (B) A description of the material terms of the eligible horizontal residual interest to be retained by the sponsor;, (C) A description of the valuation methodology used to calculate the fair values or range of fair values of all classes of ABS interests, including any portion of the eligible horizontal residual interest retained by the sponsor;, (D) All key inputs and assumptions or a comprehensive description of such key inputs and assumptions that were used in measuring the estimated total fair value or range of fair values of all classes of ABS interests, including the eligible horizontal residual interest to be retained by the sponsor., (E) To the extent applicable to the valuation methodology used, the disclosure required in paragraph (c)(1)(i)(D) of this section shall include, but should not be limited to, quantitative information about each of the following:, (1) Discount rates;, (2) Loss given default (recovery);, (3) Prepayment rates;, (4) Default rates;, (5) Lag time between default and recovery; and, (6) The basis of forward interest rates used., (F) The disclosure required in paragraphs (c)(1)(i)(C) and (D) of this section shall include, at a minimum, descriptions of all inputs and assumptions that either could have a material impact on the fair value calculation or would be material to a prospective investor's ability to evaluate the sponsor's fair value calculations. To the extent the disclosure required in this paragraph (c)(1) includes a description of a curve or curves, the description shall include a description of the methodology that was used to derive each curve and a description of any aspects or features of each curve that could materially impact the fair value calculation or the ability of a prospective investor to evaluate the sponsor's fair value calculation. To the extent a sponsor uses information about the securitized assets in its calculation of fair value, such information shall not be as of a date more than 60 days prior to the date of first use with investors; provided that for a subsequent issuance of ABS interests by the same issuing entity with the same sponsor for which the securitization transaction distributes amounts to investors on a quarterly or less frequent basis, such information shall not be as of a date more than 135 days prior to the date of first use with investors; provided further, that the balance or value (in accordance with the transaction documents) of the securitized assets may be increased or decreased to reflect anticipated additions or removals of assets the sponsor makes or expects to make between the cut-off date or similar date for establishing the composition of the asset pool collateralizing such asset-backed security and the closing date of the securitization., (G) A summary description of the reference data set or other historical information used to develop the key inputs and assumptions referenced in paragraph (c)(1)(i)(D) of this section, including loss given default and default rates;, (ii) A reasonable time after the closing of the securitization transaction:, (A) The fair value (expressed as a percentage of the fair value of all of the ABS interests issued in the securitization transaction and dollar amount (or corresponding amount in the foreign currency in which the ABS are issued, as applicable)) of the eligible horizontal residual interest the sponsor retained at the closing of the securitization transaction, based on actual sale prices and finalized tranche sizes;, (B) The fair value (expressed as a percentage of the fair value of all of the ABS interests issued in the securitization transaction and dollar amount (or corresponding amount in the foreign currency in which the ABS are issued, as applicable)) of the eligible horizontal residual interest that the sponsor is required to retain under this section; and, (C) To the extent the valuation methodology or any of the key inputs and assumptions that were used in calculating the fair value or range of fair values disclosed prior to sale and required under paragraph (c)(1)(i) of this section materially differs from the methodology or key inputs and assumptions used to calculate the fair value at the time of closing, descriptions of those material differences., (iii) If the sponsor retains risk through the funding of an eligible horizontal cash reserve account:, (A) The amount to be placed (or that is placed) by the sponsor in the eligible horizontal cash reserve account at closing, and the fair value (expressed as a percentage of the fair value of all of the ABS interests issued in the securitization transaction and dollar amount (or corresponding amount in the foreign currency in which the ABS interests are issued, as applicable)) of the eligible horizontal residual interest that the sponsor is required to fund through the eligible horizontal cash reserve account in order for such account, together with other retained interests, to satisfy the sponsor's risk retention requirement;, (B) A description of the material terms of the eligible horizontal cash reserve account; and, (C) The disclosures required in paragraphs (c)(1)(i) and (ii) of this section., (2) Vertical interest. With respect to any eligible vertical interest retained under paragraph (a) of this section, the sponsor must disclose:, (i) A reasonable period of time prior to the sale of an asset-backed security issued in the same offering of ABS interests,, (A) The form of the eligible vertical interest;, (B) The percentage that the sponsor is required to retain as a vertical interest under this section; and, (C) A description of the material terms of the vertical interest and the amount that the sponsor expects to retain at the closing of the securitization transaction., (ii) A reasonable time after the closing of the securitization transaction, the amount of the vertical interest the sponsor retained at closing, if that amount is materially different from the amount disclosed under paragraph (c)(2)(i) of this section., (d) Record maintenance. A sponsor must retain the certifications and disclosures required in paragraphs (a) and (c) of this section in its records and must provide the disclosure upon request to the Commission and its appropriate Federal banking agency, if any, until three years after all ABS interests are no longer outstanding.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["244"],"part_title":["PART 244 - CREDIT RISK RETENTION (REGULATION RR)"],"section":["244.4"],"section_title":["\u00a7 244.4 Standard risk retention."]},"_input_hash":2128916710,"_task_hash":-1523214793,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848711,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"The FDIC shall submit past-due, legally enforceable debt information for tax refund offset to FMS, as prescribed by FMS. For each debt, the FDIC will include the following information: , (a) The name and taxpayer identification number (as defined in 26 U.S.C. 6109) of the debtor; , (b) The amount of the past-due and legally enforceable debt; , (c) The date on which the debt became past-due; and , (d) The designation of FDIC as the agency referring the debt. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["313"],"part_title":["PART 313 - PROCEDURES FOR COLLECTION OF CORPORATE DEBT, CRIMINAL RESTITUTION DEBT, AND CIVIL MONEY PENALTY DEBT"],"section":["313.126"],"section_title":["\u00a7 313.126 Referral of past-due, legally enforceable debt."]},"_input_hash":-1864279650,"_task_hash":111335918,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848727,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) General. (1) An originating Board-regulated institution that has obtained a credit risk mitigant to hedge its exposure to a synthetic or traditional securitization that satisfies the operational criteria provided in \u00a7 217.41 may recognize the credit risk mitigant under \u00a7\u00a7 217.36 or 217.37, but only as provided in this section., (2) An investing Board-regulated institution that has obtained a credit risk mitigant to hedge a securitization exposure may recognize the credit risk mitigant under \u00a7\u00a7 217.36 or 217.37, but only as provided in this section., (b) Mismatches. A Board-regulated institution must make any applicable adjustment to the protection amount of an eligible guarantee or credit derivative as required in \u00a7 217.36(d), (e), and (f) for any hedged securitization exposure. In the context of a synthetic securitization, when an eligible guarantee or eligible credit derivative covers multiple hedged exposures that have different residual maturities, the Board-regulated institution must use the longest residual maturity of any of the hedged exposures as the residual maturity of all hedged exposures.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["217"],"part_title":["PART 217 - CAPITAL ADEQUACY OF BANK HOLDING COMPANIES, SAVINGS AND LOAN HOLDING COMPANIES, AND STATE MEMBER BANKS (REGULATION Q)"],"section":["217.45"],"section_title":["\u00a7 217.45 Recognition of credit risk mitigants for securitization exposures."]},"_input_hash":-1380958386,"_task_hash":-1551469983,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848751,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"An applicant seeking payment of an award granted by the NCUA Board shall submit to the NCUA's Office of Chief Financial Officer a copy of the NCUA Board's Final Decision and Order granting the award, accompanied by a statement that it will not seek review of the decision and order in the United States court. All submissions shall be addressed to the Office of Chief Financial Officer, National Credit Union Administration, 1775 Duke Street, Alexandria, VA 22314-3428. The NCUA will pay the amount awarded within 60 days after receiving the applicant's statement, unless judicial review of the award or of the underlying decision of the adversary adjudication has been sought by the applicant or any other party to the proceeding. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.616"],"section_title":["\u00a7 747.616 Payment of award."]},"_input_hash":-715484437,"_task_hash":1246578879,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848774,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"For purposes of this subpart, the following definitions will apply:, Affiliate means any entity established under authority granted to the Corporation under section 8.3(c)(14) of the Farm Credit Act of 1971, as amended., Asset-backed securities (ABS) mean investment securities that provide for ownership of a fractional undivided interest or collateral interests in specific assets of a trust that are sold and traded in the capital markets. For the purpose of this subpart, ABS exclude mortgage-backed securities that are defined below., Cash means cash balances held at Federal Reserve Banks, proceeds from traded-but-not-yet-settled debt, and deposit accounts at Federal Deposit Insurance Corporation-insured banks., Diversified investment fund (DIF) means an investment company registered under section 8 of the Investment Company Act of 1940., Farmer Mac, Corporation, you, and your means the Federal Agricultural Mortgage Corporation and its affiliates., FCA, our, us, or we means the Farm Credit Administration., Government-sponsored enterprise (GSE) means an entity established or chartered by the United States Government to serve public purposes specified by the United States Congress but whose debt obligations are not explicitly guaranteed by the full faith and credit of the United States Government., Long-Term Standby Purchase Commitment (LTSPC) is a commitment by Farmer Mac to purchase specified eligible loans on one or more undetermined future dates. In consideration for Farmer Mac's assumption of the credit risk on the specified loans underlying an LTSPC, Farmer Mac receives an annual commitment fee on the outstanding balance of those loans in monthly installments based on the outstanding balance of those loans., Market risk means the risk to your financial condition because the value of your holdings may decline if interest rates or market prices change. Exposure to market risk is measured by assessing the effect of changing rates and prices on either the earnings or economic value of an individual instrument, a portfolio, or the entire Corporation., Maturing obligations means maturing debt and other obligations that may be expected, such as buyouts of long-term standby purchase commitments or repurchases of agricultural mortgage securities., Mortgage-backed securities (MBS) means securities that are either:, (1) Pass-through securities or participation certificates that represent ownership of a fractional undivided interest in a specified pool of residential (excluding home equity loans), multifamily or commercial mortgages, or, (2) A multiclass security (including collateralized mortgage obligations and real estate mortgage investment conduits) that is backed by a pool of residential, multifamily or commercial real estate mortgages, pass through MBS, or other multiclass MBS., (3) This definition does not include agricultural mortgage-backed securities guaranteed by Farmer Mac itself., Non-program investments means investments other than those in:, (1) \u201cQualified loans\u201d as defined in section 8.0(9) of the Farm Credit Act of 1971, as amended; or, (2) Securities collateralized by \u201cqualified loans.\u201d, OSMO means FCA's Office of Secondary Market Oversight., Program assets means on-balance sheet \u201cqualified loans\u201d as defined in section 8.0(9) of the Farm Credit Act of 1971, as amended., Program obligations means off-balance sheet \u201cqualified loans\u201d as defined in section 8.0(9) of the Farm Credit Act of 1971, as amended., Regulatory capital means your core capital plus an allowance for losses and guarantee claims, as determined in accordance with generally accepted accounting principles., U.S. Government agency means an instrumentality of the U.S. Government whose obligations are fully guaranteed as to the payment of principal and interest by the full faith and credit of the U.S. Government.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["652"],"part_title":["PART 652 - FEDERAL AGRICULTURAL MORTGAGE CORPORATION FUNDING AND FISCAL AFFAIRS"],"section":["652.5"],"section_title":["\u00a7 652.5 Definitions."]},"_input_hash":970449225,"_task_hash":85827926,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848790,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Available approaches. (1) Unless the exposure meets the requirements for a community development equity exposure in \u00a7 217.152(b)(3)(i), a Board-regulated institution must determine the risk-weighted asset amount of an equity exposure to an investment fund under the full look-through approach in paragraph (b) of this section, the simple modified look-through approach in paragraph (c) of this section, or the alternative modified look-through approach in paragraph (d) of this section., (2) The risk-weighted asset amount of an equity exposure to an investment fund that meets the requirements for a community development equity exposure in \u00a7 217.152(b)(3)(i) is its adjusted carrying value., (3) If an equity exposure to an investment fund is part of a hedge pair and the Board-regulated institution does not use the full look-through approach, the Board-regulated institution may use the ineffective portion of the hedge pair as determined under \u00a7 217.152(c) as the adjusted carrying value for the equity exposure to the investment fund. The risk-weighted asset amount of the effective portion of the hedge pair is equal to its adjusted carrying value., (b) Full look-through approach. A Board-regulated institution that is able to calculate a risk-weighted asset amount for its proportional ownership share of each exposure held by the investment fund (as calculated under this subpart E of this part as if the proportional ownership share of each exposure were held directly by the Board-regulated institution) may either:, (1) Set the risk-weighted asset amount of the Board-regulated institution's exposure to the fund equal to the product of:, (i) The aggregate risk-weighted asset amounts of the exposures held by the fund as if they were held directly by the Board-regulated institution; and, (ii) The Board-regulated institution's proportional ownership share of the fund; or, (2) Include the Board-regulated institution's proportional ownership share of each exposure held by the fund in the Board-regulated institution's IMA., (c) Simple modified look-through approach. Under this approach, the risk-weighted asset amount for a Board-regulated institution's equity exposure to an investment fund equals the adjusted carrying value of the equity exposure multiplied by the highest risk weight assigned according to subpart D of this part that applies to any exposure the fund is permitted to hold under its prospectus, partnership agreement, or similar contract that defines the fund's permissible investments (excluding derivative contracts that are used for hedging rather than speculative purposes and that do not constitute a material portion of the fund's exposures)., (d) Alternative modified look-through approach. Under this approach, a Board-regulated institution may assign the adjusted carrying value of an equity exposure to an investment fund on a pro rata basis to different risk weight categories assigned according to subpart D of this part based on the investment limits in the fund's prospectus, partnership agreement, or similar contract that defines the fund's permissible investments. The risk-weighted asset amount for the Board-regulated institution's equity exposure to the investment fund equals the sum of each portion of the adjusted carrying value assigned to an exposure class multiplied by the applicable risk weight. If the sum of the investment limits for all exposure types within the fund exceeds 100 percent, the Board-regulated institution must assume that the fund invests to the maximum extent permitted under its investment limits in the exposure type with the highest risk weight under subpart D of this part, and continues to make investments in order of the exposure type with the next highest risk weight under subpart D of this part until the maximum total investment level is reached. If more than one exposure type applies to an exposure, the Board-regulated institution must use the highest applicable risk weight. A Board-regulated institution may exclude derivative contracts held by the fund that are used for hedging rather than for speculative purposes and do not constitute a material portion of the fund's exposures.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["217"],"part_title":["PART 217 - CAPITAL ADEQUACY OF BANK HOLDING COMPANIES, SAVINGS AND LOAN HOLDING COMPANIES, AND STATE MEMBER BANKS (REGULATION Q)"],"section":["217.154"],"section_title":["\u00a7 217.154 Equity exposures to investment funds."]},"_input_hash":1444759253,"_task_hash":923603747,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848803,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"This subpart implements the provisions of the Change in Bank Control Act of 1978, section 7(j) of the FDI Act (12 U.S.C. 1817(j)) (CBCA), and sets forth the filing requirements and processing procedures for a notice of change in control with respect to the acquisition of control of a State nonmember bank, a State savings association, or certain parent companies of either a State nonmember bank or a State savings association.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["303"],"part_title":["PART 303 - FILING PROCEDURES"],"section":["303.80"],"section_title":["\u00a7 303.80 Scope."]},"_input_hash":-1415670290,"_task_hash":-561754152,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848821,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Any credit union insured by the National Credit Union Share Insurance Fund (NCUSIF) must receive approval from the NCUA before purchasing loans or assuming an assignment of deposits, shares, or liabilities from:, (1) Any credit union that is not insured by the NCUSIF;, (2) Any other financial-type institution (including depository institutions, mortgage banks, consumer finance companies, insurance companies, loan brokers, and other loan sellers or liability traders); or, (3) Any successor in interest to any institution identified in paragraph (a)(1) or (a)(2) of this section., (b) Approval is not required for:, (1) Purchases of student loans or real estate secured loans to facilitate the packaging of a pool of loans to be sold or pledged on the secondary market under \u00a7 701.23(b)(1)(iii) or (iv) of this chapter or comparable state law for state-chartered credit unions, or purchases of member loans under \u00a7 701.23(b)(1)(i) of this chapter or comparable state law for state-chartered credit unions;, (2) Assumption of deposits, shares or liabilities as rollovers or transfers of member retirement accounts or in which a federally insured credit union perfects a security interest in connection with an extension of credit to any member., (3) Purchases of assets, including loans, or assumptions of deposits, shares, or liabilities by any credit union insured by the NCUSIF from another credit union insured by the NCUSIF, except a purchase or assumption as a part of a merger under part 708b; or, (4) Purchases of loan participations as defined in and meeting the requirements of \u00a7 701.22 of this chapter. , (c) A credit union seeking approval under paragraph (a) of this section must submit a request for approval to the appropriate regional director. The request must state the nature of the transaction and include copies of all relevant transaction documents. The regional director will approve or disapprove the request as soon as possible depending on the complexity of the proposed transaction. Credit unions should submit a request for approval in sufficient time to close the transaction.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["741"],"part_title":["PART 741 - REQUIREMENTS FOR INSURANCE"],"section":["741.8"],"section_title":["\u00a7 741.8 Purchase of assets and assumption of liabilities."]},"_input_hash":1152746671,"_task_hash":-1280021692,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848865,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"An Enterprise Security may be maintained in the form of a Definitive Enterprise Security or a Book-entry Enterprise Security. A Book-entry Enterprise Security shall be maintained in the Book-entry System.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["C"],"subchapter_title":["SUBCHAPTER C - ENTERPRISES"],"part":["1249"],"part_title":["PART 1249 - BOOK-ENTRY PROCEDURES"],"section":["1249.11"],"section_title":["\u00a7 1249.11 Maintenance of Enterprise Securities."]},"_input_hash":888562712,"_task_hash":261703236,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848879,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Authority. 12 U.S.C. 1467; 1467a, 1818, 5361, 5365., (b) Purpose. This subpart establishes the requirement for a covered company to conduct stress tests. This subpart also establishes definitions of stress test and related terms, methodologies for conducting stress tests, and reporting and disclosure requirements.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["238"],"part_title":["PART 238 - SAVINGS AND LOAN HOLDING COMPANIES (REGULATION LL)"],"section":["238.140"],"section_title":["\u00a7 238.140 Authority and purpose."]},"_input_hash":-1909972948,"_task_hash":1446570006,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848898,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"When used with respect to the Third Party Brokerage Arrangements (\u201cNetworking\u201d) Exception from the definition of the term \u201cbroker\u201d in section 3(a)(4)(B)(i) of the Act (15 U.S.C. 78c(a)(4)(B)(i)) in the context of transactions with a customer, the following terms shall have the meaning provided:, (a) Contingent on whether the referral results in a transaction means dependent on whether the referral results in a purchase or sale of a security; whether an account is opened with a broker or dealer; whether the referral results in a transaction involving a particular type of security; or whether it results in multiple securities transactions; provided, however, that a referral fee may be contingent on whether a customer:, (1) Contacts or keeps an appointment with a broker or dealer as a result of the referral; or, (2) Meets any objective, base-line qualification criteria established by the bank or broker or dealer for customer referrals, including such criteria as minimum assets, net worth, income, or marginal federal or state income tax rate, or any requirement for citizenship or residency that the broker or dealer, or the bank, may have established generally for referrals for securities brokerage accounts., (b)(1) Incentive compensation means compensation that is intended to encourage a bank employee to refer customers to a broker or dealer or give a bank employee an interest in the success of a securities transaction at a broker or dealer. The term does not include compensation paid by a bank under a bonus or similar plan that is:, (i) Paid on a discretionary basis; and, (ii) Based on multiple factors or variables and:, (A) Those factors or variables include multiple significant factors or variables that are not related to securities transactions at the broker or dealer;, (B) A referral made by the employee is not a factor or variable in determining the employee's compensation under the plan; and, (C) The employee's compensation under the plan is not determined by reference to referrals made by any other person., (2) Nothing in this paragraph (b) shall be construed to prevent a bank from compensating an officer, director or employee under a bonus or similar plan on the basis of any measure of the overall profitability or revenue of:, (i) The bank, either on a stand-alone or consolidated basis;, (ii) Any affiliate of the bank (other than a broker or dealer), or any operating unit of the bank or an affiliate (other than a broker or dealer), if the affiliate or operating unit does not over time predominately engage in the business of making referrals to a broker or dealer; or, (iii) A broker or dealer if:, (A) Such measure of overall profitability or revenue is only one of multiple factors or variables used to determine the compensation of the officer, director or employee;, (B) The factors or variables used to determine the compensation of the officer, director or employee include multiple significant factors or variables that are not related to the profitability or revenue of the broker or dealer;, (C) A referral made by the employee is not a factor or variable in determining the employee's compensation under the plan; and, (D) The employee's compensation under the plan is not determined by reference to referrals made by any other person., (c) Nominal one-time cash fee of a fixed dollar amount means a cash payment for a referral, to a bank employee who was personally involved in referring the customer to the broker or dealer, in an amount that meets any of the following standards:, (1) The payment does not exceed:, (i) Twice the average of the minimum and maximum hourly wage established by the bank for the current or prior year for the job family that includes the employee; or, (ii) 1/1000th of the average of the minimum and maximum annual base salary established by the bank for the current or prior year for the job family that includes the employee; or, (2) The payment does not exceed twice the employee's actual base hourly wage or 1/1000th of the employee's actual annual base salary; or, (3) The payment does not exceed twenty-five dollars ($25), as adjusted in accordance with paragraph (f) of this section., (d) Job family means a group of jobs or positions involving similar responsibilities, or requiring similar skills, education or training, that a bank, or a separate unit, branch or department of a bank, has established and uses in the ordinary course of its business to distinguish among its employees for purposes of hiring, promotion, and compensation., (e) Referral means the action taken by one or more bank employees to direct a customer of the bank to a broker or dealer for the purchase or sale of securities for the customer's account., (f) Inflation adjustment - (1) In general. On April 1, 2012, and on the 1st day of each subsequent 5-year period, the dollar amount referred to in paragraph (c)(3) of this section shall be adjusted by:, (i) Dividing the annual value of the Employment Cost Index For Wages and Salaries, Private Industry Workers (or any successor index thereto), as published by the Bureau of Labor Statistics, for the calendar year preceding the calendar year in which the adjustment is being made by the annual value of such index (or successor) for the calendar year ending December 31, 2006; and, (ii) Multiplying the dollar amount by the quotient obtained in paragraph (f)(1)(i) of this section., (2) Rounding. If the adjusted dollar amount determined under paragraph (f)(1) of this section for any period is not a multiple of $1, the amount so determined shall be rounded to the nearest multiple of $1.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["218"],"part_title":["PART 218 - EXCEPTIONS FOR BANKS FROM THE DEFINITION OF BROKER IN THE SECURITIES EXCHANGE ACT OF 1934 (REGULATION R)"],"section":["218.700"],"section_title":["\u00a7 218.700 Defined terms relating to the networking exception from the definition of \u201cbroker.\u201d"]},"_input_hash":-1730014568,"_task_hash":291301560,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848911,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Reports to the Board of stress test results. A covered company must report the results of the stress test required under \u00a7 238.143 to the Board in the manner and form prescribed by the Board. Such results must be submitted by April 5 of the calendar year in which the stress test is performed pursuant to \u00a7 238.143, unless that time is extended by the Board in writing., (b) Confidential treatment of information submitted. The confidentiality of information submitted to the Board under this subpart and related materials shall be determined in accordance with applicable exemptions under the Freedom of Information Act (5 U.S.C. 552(b)) and the Board's Rules Regarding Availability of Information (12 CFR part 261).","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["238"],"part_title":["PART 238 - SAVINGS AND LOAN HOLDING COMPANIES (REGULATION LL)"],"section":["238.145"],"section_title":["\u00a7 238.145 Reports of stress test results."]},"_input_hash":-1494479010,"_task_hash":458692606,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848927,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Unless otherwise indicated, terms used in this part have the meanings that they have in 12 CFR part 1201 and in the Federal Housing Enterprises Financial Safety and Soundness Act (12 U.S.C. 4501 et seq.)., Core business line means a business line of the Enterprise that plausibly would continue to operate in a limited-life regulated entity, considering the purposes, mission, and authorized activities of the Enterprise as set forth in its authorizing statute and the Safety and Soundness Act. Core business line includes associated operations, services, functions, and supports necessary for any identified core business line to be continued, such as servicing, credit enhancement, securitization support, information technology support and operations, and human resources and personnel., Credible, with regard to a resolution plan, means a resolution plan that:, (1) Demonstrates consideration of required and prohibited assumptions set forth at \u00a7 1242.5(b);, (2) Provides strategic analysis and detailed information as required by \u00a7 1242.5(c) through (g) that is well-founded and based on information and data related to the Enterprise that are observable or otherwise verifiable and employ reasonable projections from current and historical conditions within the broader financial markets; and, (3) Plausibly achieves the purposes of \u00a7 1242.1(a)., Material change means an event, occurrence, change in conditions or circumstances, or other change that results in, or could reasonably be foreseen to have, a material effect on:, (1) The resolvability of the Enterprise;, (2) The Enterprise's resolution strategy; or, (3) How the Enterprise's resolution plan is implemented. Material changes may include the identification of a new core business line or significant increases or decreases in business, operations, funding, or interconnections., Rapid and orderly resolution means a process for establishing a limited-life regulated entity as successor to the Enterprise under section 1367 of the Safety and Soundness Act (12 U.S.C 4617), including transferring Enterprise assets and liabilities to the limited-life regulated entity, such that succession by the limited-life regulated entity can be accomplished promptly and in a manner that substantially mitigates the risk that the failure of the Enterprise would have serious adverse effects on national housing finance markets.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["C"],"subchapter_title":["SUBCHAPTER C - ENTERPRISES"],"part":["1242"],"part_title":["PART 1242 - RESOLUTION PLANNING"],"section":["1242.2"],"section_title":["\u00a7 1242.2 Definitions."]},"_input_hash":-554152234,"_task_hash":-2095048040,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848941,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"A person who files a false claim or makes a false or fraudulent statement in a claim against the United States may be liable to a fine of not more than $10,000 or to imprisonment of not more than 5 years, or both (18 U.S.C. 287-1001), and, in addition, to a forfeiture of $2,000 and a penalty of double the loss or damage sustained by the United States (31 U.S.C. 231). ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["793"],"part_title":["PART 793 - TORT CLAIMS AGAINST THE GOVERNMENT"],"section":["793.9"],"section_title":["\u00a7 793.9 Penalties."]},"_input_hash":1347695334,"_task_hash":226167870,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848960,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Each Farm Credit institution shall adopt policies and procedures that are designed to assure that the elections of board members are conducted in an impartial manner., (b) No employee or agent of a Farm Credit institution shall take any part, directly or indirectly, in the nomination or election of members to the board of directors of a Farm Credit institution, or make any statement, either orally or in writing, which may be construed as intended to influence any vote in such nominations, or elections. This paragraph shall not prohibit employees or agents from providing biographical and other similar information or engaging in other activities pursuant to policies and procedures for nominations and elections. This paragraph does not affect the right of an employee or agent to nominate or vote for stockholder-elected directors of an institution in which the employee or agent is a voting member. , (c) No property, facilities, or resources, including information technology and human or financial resources, of any Farm Credit institution shall be used by any candidate for nomination or election or by any other person for the benefit of any candidate for nomination or election, unless the same property, facilities, or resources are simultaneously available and made known to be available for use by all declared candidates, including floor nominees. For the limited purpose of Farm Credit bank board elections, each Farm Credit bank may allow its stockholder-associations to use stockholder-association property, facilities, or resources in support of bank director candidates. Any Farm Credit bank permitting this activity by its stockholder-associations must have a policy in place approved by its board of directors establishing reasonable standards that stockholder-associations must follow, and those standards must give appropriate consideration to the various sizes of stockholder-associations within a bank's district and include a maximum amount that a stockholder-association may expend in support of a bank director candidate., (d) No director, employee, or agent of a Farm Credit institution shall, for the purpose of furthering the interests of any candidates for nomination or election, furnish or make use of records that are not made available for use by all declared candidates., (e) No Farm Credit institution may in any way distribute or mail, whether at the expense of the institution or another, any campaign materials for director candidates. Institutions may request biographical information, as well as the disclosure information required under \u00a7 611.330, from all declared candidates who certify that they are eligible, restate such information in a standard format, and distribute or mail it with ballots or proxy ballots., (f) No director of a Farm Credit institution shall, in his or her capacity as a director, make any statement, either orally or in writing, which may be construed as intending to influence any vote in that institution's director nominations or elections. This paragraph shall not prohibit director candidates from engaging in campaign activities on their own behalf.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["611"],"part_title":["PART 611 - ORGANIZATION"],"section":["611.320"],"section_title":["\u00a7 611.320 Impartiality in the election of directors."]},"_input_hash":-1652008237,"_task_hash":-278840433,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848972,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Agricultural credit banks are those banks created by the merger of a Farm Credit Bank and a bank for cooperatives pursuant to section 7.0 of the Act.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["619"],"part_title":["PART 619 - DEFINITIONS"],"section":["619.9020"],"section_title":["\u00a7 619.9020 Agricultural credit banks."]},"_input_hash":-1171601804,"_task_hash":1812824175,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848988,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) The purpose of this part is to set forth standards and criteria for the process an Enterprise must establish to validate and approve any credit score model that produces any credit score that the Enterprise requires in its mortgage purchase procedures and systems., (b) The validation and approval process for a credit score model includes the following phases: Solicitation of Applications, Submission of Applications and Initial Review, Credit Score Assessment, and Enterprise Business Assessment.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["C"],"subchapter_title":["SUBCHAPTER C - ENTERPRISES"],"part":["1254"],"part_title":["PART 1254 - VALIDATION AND APPROVAL OF CREDIT SCORE MODELS"],"section":["1254.1"],"section_title":["\u00a7 1254.1 Purpose and scope."]},"_input_hash":190317347,"_task_hash":-1266454899,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711848998,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Submission of comments. For filings subject to a public notice requirement, any person may submit comments to the appropriate FDIC regional director during the comment period., (b) Comment period - (1) General. Consult appropriate subparts of this part for the comment period applicable to a particular filing., (2) Extension. The FDIC may extend or reopen the comment period if:, (i) The applicant fails to file all required information on a timely basis to permit review by the public or makes a request for confidential treatment not granted by the FDIC that delays the public availability of that information;, (ii) Any person requesting an extension of time satisfactorily demonstrates to the FDIC that additional time is necessary to develop factual information that the FDIC determines may materially affect the application; or , (iii) The FDIC determines that other good cause exists., (3) Solicitation of comments. Whenever appropriate, the appropriate regional director may solicit comments from any person or institution which might have an interest in or be affected by the pending filing., (4) Applicant response. The FDIC will provide copies of all comments received to the applicant and may give the applicant an opportunity to respond.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["303"],"part_title":["PART 303 - FILING PROCEDURES"],"section":["303.9"],"section_title":["\u00a7 303.9 Comments."]},"_input_hash":-1505694121,"_task_hash":-1069876332,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849022,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"In the sole discretion of the Board's General Counsel, the General Counsel may, prior to the issuance by the Board of a notice of assessment of civil penalty, advise the affected person that the issuance of a notice of assessment of civil penalty is being considered and the reasons and authority for the proposed assessment. The General Counsel may provide the person an opportunity to present written materials or request a conference with members of the Board's staff to show that the penalty should not be assessed or, if assessed, should be reduced in amount.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["263"],"part_title":["PART 263 - RULES OF PRACTICE FOR HEARINGS"],"section":["263.61"],"section_title":["\u00a7 263.61 Opportunity for informal proceeding."]},"_input_hash":-1722909062,"_task_hash":1217670344,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849037,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"The provisions of the applicable and currently effective SEC regulations under section 12(f) of the Exchange Act shall be followed as codified at 17 CFR part 240.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["335"],"part_title":["PART 335 - SECURITIES OF STATE NONMEMBER BANKS AND STATE SAVINGS ASSOCIATIONS"],"section":["335.241"],"section_title":["\u00a7 335.241 Unlisted trading."]},"_input_hash":-90117697,"_task_hash":-177929872,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849046,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Definitions. For purposes of this section, the following definition shall apply:, U.S. person means:, (i) Any of the following:, (A) Any natural person resident in the United States;, (B) Any partnership, corporation, limited liability company, or other organization or entity organized or incorporated under the laws of any State or of the United States;, (C) Any estate of which any executor or administrator is a U.S. person (as defined under any other clause of this definition);, (D) Any trust of which any trustee is a U.S. person (as defined under any other clause of this definition);, (E) Any agency or branch of a foreign entity located in the United States;, (F) Any non-discretionary account or similar account (other than an estate or trust) held by a dealer or other fiduciary for the benefit or account of a U.S. person (as defined under any other clause of this definition);, (G) Any discretionary account or similar account (other than an estate or trust) held by a dealer or other fiduciary organized, incorporated, or (if an individual) resident in the United States; and, (H) Any partnership, corporation, limited liability company, or other organization or entity if:, (1) Organized or incorporated under the laws of any foreign jurisdiction; and, (2) Formed by a U.S. person (as defined under any other clause of this definition) principally for the purpose of investing in securities not registered under the Act; and, (ii) \u201cU.S. person(s)\u201d does not include:, (A) Any discretionary account or similar account (other than an estate or trust) held for the benefit or account of a person not constituting a U.S. person (as defined in paragraph (i) of this section) by a dealer or other professional fiduciary organized, incorporated, or (if an individual) resident in the United States;, (B) Any estate of which any professional fiduciary acting as executor or administrator is a U.S. person (as defined in paragraph (i) of this section) if:, (1) An executor or administrator of the estate who is not a U.S. person (as defined in paragraph (i) of this section) has sole or shared investment discretion with respect to the assets of the estate; and, (2) The estate is governed by foreign law;, (C) Any trust of which any professional fiduciary acting as trustee is a U.S. person (as defined in paragraph (i) of this section), if a trustee who is not a U.S. person (as defined in paragraph (i) of this section) has sole or shared investment discretion with respect to the trust assets, and no beneficiary of the trust (and no settlor if the trust is revocable) is a U.S. person (as defined in paragraph (i) of this section);, (D) An employee benefit plan established and administered in accordance with the law of a country other than the United States and customary practices and documentation of such country;, (E) Any agency or branch of a U.S. person (as defined in paragraph (i) of this section) located outside the United States if:, (1) The agency or branch operates for valid business reasons; and, (2) The agency or branch is engaged in the business of insurance or banking and is subject to substantive insurance or banking regulation, respectively, in the jurisdiction where located;, (F) The International Monetary Fund, the International Bank for Reconstruction and Development, the Inter-American Development Bank, the Asian Development Bank, the African Development Bank, the United Nations, and their agencies, affiliates and pension plans, and any other similar international organizations, their agencies, affiliates and pension plans., (b) In general. This part shall not apply to a securitization transaction if all the following conditions are met:, (1) The securitization transaction is not required to be and is not registered under the Securities Act of 1933 (15 U.S.C. 77a et seq.);, (2) No more than 10 percent of the dollar value (or equivalent amount in the currency in which the ABS interests are issued, as applicable) of all classes of ABS interests in the securitization transaction are sold or transferred to U.S. persons or for the account or benefit of U.S. persons;, (3) Neither the sponsor of the securitization transaction nor the issuing entity is:, (i) Chartered, incorporated, or organized under the laws of the United States or any State;, (ii) An unincorporated branch or office (wherever located) of an entity chartered, incorporated, or organized under the laws of the United States or any State; or, (iii) An unincorporated branch or office located in the United States or any State of an entity that is chartered, incorporated, or organized under the laws of a jurisdiction other than the United States or any State; and, (4) If the sponsor or issuing entity is chartered, incorporated, or organized under the laws of a jurisdiction other than the United States or any State, no more than 25 percent (as determined based on unpaid principal balance) of the assets that collateralize the ABS interests sold in the securitization transaction were acquired by the sponsor or issuing entity, directly or indirectly, from:, (i) A majority-owned affiliate of the sponsor or issuing entity that is chartered, incorporated, or organized under the laws of the United States or any State; or, (ii) An unincorporated branch or office of the sponsor or issuing entity that is located in the United States or any State., (c) Evasions prohibited. In view of the objective of these rules and the policies underlying Section 15G of the Exchange Act, the safe harbor described in paragraph (b) of this section is not available with respect to any transaction or series of transactions that, although in technical compliance with paragraphs (a) and (b) of this section, is part of a plan or scheme to evade the requirements of section 15G and this part. In such cases, compliance with section 15G and this part is required.","meta":{"chapter":["II","III","XII"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)","CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)","CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A","B","B"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)","SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)","SUBCHAPTER B - ENTITY REGULATIONS"],"part":["244","373","1234"],"part_title":["PART 244 - CREDIT RISK RETENTION (REGULATION RR)","PART 373 - CREDIT RISK RETENTION","PART 1234 - CREDIT RISK RETENTION"],"section":["244.20","373.20","1234.20"],"section_title":["\u00a7 244.20 Safe harbor for certain foreign-related transactions.","\u00a7 373.20 Safe harbor for certain foreign-related transactions.","\u00a7 1234.20 Safe harbor for certain foreign-related transactions."]},"_input_hash":2131333807,"_task_hash":1910199198,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849059,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"The terms in this part have the same meaning as in FHFA's Minority and Women Inclusion Regulation at part 1223 of this chapter, as may be amended from time to time.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1207"],"part_title":["PART 1207 - MINORITY AND WOMEN OUTREACH PROGRAM"],"section":["1207.1"],"section_title":["\u00a7 1207.1 Definitions."]},"_input_hash":-1440279469,"_task_hash":189547438,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849077,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Except as otherwise specifically provided in this subpart, the following provisions shall apply to proceedings conducted under this subpart:, (a)(1) Power of attorney and notice of appearance. Any person who is a member in good standing of the bar of the highest court of any State, possession, territory, Commonwealth, or the District of Columbia may represent others before the NCUA Board or Presiding Officer designated by the NCUA Board upon filing with the NCUA Board a written declaration that he or she is currently qualified as provided by this paragraph, and is authorized to represent the particular party on whose behalf he acts. Any other person desiring to appear before or transact business with the NCUA Board in a representative capacity may be required to file with the NCUA Board a power of attorney showing his or her authority to act in such capacity, and he or she may be required to show to the satisfaction of the NCUA Board that he or she has the requisite qualifications. Attorneys and representatives of parties to proceedings shall file a written notice of appearance with the NCUA Board or with the Presiding Officer designated by the NCUA Board., (2) Summary suspension. Contemptuous conduct by any person at an argument before the NCUA Board or at the hearing before a Presiding Officer shall be grounds for exclusion therefrom and suspension for the duration of the argument or hearing., (b)(1) Notice of hearing. Whenever a hearing within the scope of this subpart is ordered by the NCUA Board, a notice of hearing shall be given by the NCUA Board to the party afforded the hearing and to any appropriate state supervisory authority. The notice shall state the time, place, and nature of the hearing and the legal authority and jurisdiction under which the hearing is to be held, and shall contain a statement of the matters of fact or law constituting the grounds for the hearing. It shall be delivered by personal service, by registered or certified mail to the last known address, or by other appropriate means, not later than 30 nor earlier than 60 days before the hearing., (2) Party. The term \u201cparty\u201d means a person or agency named or admitted as a party, or any person or agency who has filed a written request and is entitled as of right to be admitted as a party; but a person or agency may be admitted for a limited purpose., (c)(1) Computation of time. In computing any period of time prescribed or allowed by this subpart, the date of the act, event or default from which the designated period of time begins to run is not to be included. The last day so computed shall be included, unless it is a Saturday, Sunday or legal holiday in the District of Columbia, in which event the period shall run until the end of the next day which is neither a Saturday, Sunday, nor such legal holiday. Intermediate Saturdays, Sundays, and legal holidays shall be included in the computation unless the time within which the act is to be performed is ten days or less in which event Saturdays, Sundays, and legal holidays shall not be included., (2) Service by mail. Whenever any party has the right or is required to do some act or take some proceeding, within a period of time prescribed in this subpart, after the service upon him of any document or other paper of any kind, and such service is made by mail, three days shall be added to the prescribed period from the date when the matter served is deposited in the U.S. mail., (d) Nonpublication of submissions. Unless and until otherwise ordered by the NCUA Board, the notice of hearing, the transcript, written materials submitted during the hearing, the Presiding Officer's recommendation to the NCUA Board and any other papers filed in connection with a hearing under this subpart, shall not be made public, and shall be for the confidential use only of the NCUA Board, the Presiding Officer, the parties and appropriate authorities., (e) Remainder of board of directors. (1) If at any time, because of the suspension of one or more directors pursuant to this subpart, there shall be on the board of directors of an insured credit union less than a quorum of directors not so suspended, all powers and functions vested in or exercisable by such board shall vest in and be exercisable by the director or directors on the board not so suspended, until such time as there shall be a quorum on the board of directors., (2) In the event all of the directors of an insured credit union are suspended pursuant to this subpart, the NCUA Board shall appoint persons to serve temporarily as directors in their place pending the termination of such suspensions, or until such time as those who have been suspended cease to be directors of the credit union and their respective successors have been elected by the members at an annual or special meeting and have taken office., (3) Directors appointed temporarily by the NCUA Board pursuant to paragraph (e)(2) of this section, shall, within 30 days following their appointment, call a special meeting for the election of new directors, unless during such 30-day period - , (i) The regular annual meeting is convened; or, (ii) The suspensions giving rise to the appointment of temporary directors are terminated.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.302"],"section_title":["\u00a7 747.302 Rules of practice; remainder of board of directors."]},"_input_hash":-430283116,"_task_hash":1380331523,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849099,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) The NCUA is required by the Federal Civil Penalties Inflation Adjustment Act of 1990 (Pub. L. 101-410, 104 Stat. 890, as amended (28 U.S.C. 2461 note)), to adjust the maximum amount of each civil monetary penalty (CMP) within its jurisdiction by the rate of inflation. The following chart displays those adjusted amounts, as calculated pursuant to the statute:, (b) The adjusted amounts displayed in paragraph (a) of this section apply to civil monetary penalties that are assessed after the date the increase takes effect, including those whose associated violation or violations pre-dated the increase and occurred on or after November 2, 2015.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.1001"],"section_title":["\u00a7 747.1001 Adjustment of civil monetary penalties by the rate of inflation."]},"_input_hash":-1661523273,"_task_hash":586063070,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849111,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) General. An originating FDIC-supervised institution that has obtained a credit risk mitigant to hedge its securitization exposure to a synthetic or traditional securitization that satisfies the operational criteria in \u00a7 324.141 may recognize the credit risk mitigant, but only as provided in this section. An investing FDIC-supervised institution that has obtained a credit risk mitigant to hedge a securitization exposure may recognize the credit risk mitigant, but only as provided in this section., (b) Collateral - (1) Rules of recognition. An FDIC-supervised institution may recognize financial collateral in determining the FDIC-supervised institution's risk-weighted asset amount for a securitization exposure (other than a repo-style transaction, an eligible margin loan, or an OTC derivative contract for which the FDIC-supervised institution has reflected collateral in its determination of exposure amount under \u00a7 324.132) as follows. The FDIC-supervised institution's risk-weighted asset amount for the collateralized securitization exposure is equal to the risk-weighted asset amount for the securitization exposure as calculated under the SSFA in \u00a7 324.144 or under the SFA in \u00a7 324.143 multiplied by the ratio of adjusted exposure amount (SE*) to original exposure amount (SE), where:, (i) SE* equals max {0, SE \u2212 C \u00d7 (1\u2212 Hs \u2212 Hfx)};, (ii) SE equals the amount of the securitization exposure calculated under \u00a7 324.142(e);, (iii) C equals the current fair value of the collateral;, (iv) Hs equals the haircut appropriate to the collateral type; and, (v) Hfx equals the haircut appropriate for any currency mismatch between the collateral and the exposure., (3) Standard supervisory haircuts. Unless an FDIC-supervised institution qualifies for use of and uses own-estimates haircuts in paragraph (b)(4) of this section:, (i) An FDIC-supervised institution must use the collateral type haircuts (Hs) in Table 1 to \u00a7 324.132 of this subpart;, (ii) An FDIC-supervised institution must use a currency mismatch haircut (Hfx) of 8 percent if the exposure and the collateral are denominated in different currencies;, (iii) An FDIC-supervised institution must multiply the supervisory haircuts obtained in paragraphs (b)(3)(i) and (ii) of this section by the square root of 6.5 (which equals 2.549510); and, (iv) An FDIC-supervised institution must adjust the supervisory haircuts upward on the basis of a holding period longer than 65 business days where and as appropriate to take into account the illiquidity of the collateral., (4) Own estimates for haircuts. With the prior written approval of the FDIC, an FDIC-supervised institution may calculate haircuts using its own internal estimates of market price volatility and foreign exchange volatility, subject to \u00a7 324.132(b)(2)(iii). The minimum holding period (TM) for securitization exposures is 65 business days., (c) Guarantees and credit derivatives - (1) Limitations on recognition. An FDIC-supervised institution may only recognize an eligible guarantee or eligible credit derivative provided by an eligible guarantor in determining the FDIC-supervised institution's risk-weighted asset amount for a securitization exposure., (2) ECL for securitization exposures. When an FDIC-supervised institution recognizes an eligible guarantee or eligible credit derivative provided by an eligible guarantor in determining the FDIC-supervised institution's risk-weighted asset amount for a securitization exposure, the FDIC-supervised institution must also:, (i) Calculate ECL for the protected portion of the exposure using the same risk parameters that it uses for calculating the risk-weighted asset amount of the exposure as described in paragraph (c)(3) of this section; and, (ii) Add the exposure's ECL to the FDIC-supervised institution's total ECL., (3) Rules of recognition. An FDIC-supervised institution may recognize an eligible guarantee or eligible credit derivative provided by an eligible guarantor in determining the FDIC-supervised institution's risk-weighted asset amount for the securitization exposure as follows:, (i) Full coverage. If the protection amount of the eligible guarantee or eligible credit derivative equals or exceeds the amount of the securitization exposure, the FDIC-supervised institution may set the risk-weighted asset amount for the securitization exposure equal to the risk-weighted asset amount for a direct exposure to the eligible guarantor (as determined in the wholesale risk weight function described in \u00a7 324.131), using the FDIC-supervised institution's PD for the guarantor, the FDIC-supervised institution's LGD for the guarantee or credit derivative, and an EAD equal to the amount of the securitization exposure (as determined in \u00a7 324.142(e))., (ii) Partial coverage. If the protection amount of the eligible guarantee or eligible credit derivative is less than the amount of the securitization exposure, the FDIC-supervised institution may set the risk-weighted asset amount for the securitization exposure equal to the sum of:, (A) Covered portion. The risk-weighted asset amount for a direct exposure to the eligible guarantor (as determined in the wholesale risk weight function described in \u00a7 324.131), using the FDIC-supervised institution's PD for the guarantor, the FDIC-supervised institution's LGD for the guarantee or credit derivative, and an EAD equal to the protection amount of the credit risk mitigant; and, (B) Uncovered portion. (1) 1.0 minus the ratio of the protection amount of the eligible guarantee or eligible credit derivative to the amount of the securitization exposure); multiplied by, (2) The risk-weighted asset amount for the securitization exposure without the credit risk mitigant (as determined in \u00a7\u00a7 324.142 through 324.146)., (4) Mismatches. The FDIC-supervised institution must make applicable adjustments to the protection amount as required in \u00a7 324.134(d), (e), and (f) for any hedged securitization exposure and any more senior securitization exposure that benefits from the hedge. In the context of a synthetic securitization, when an eligible guarantee or eligible credit derivative covers multiple hedged exposures that have different residual maturities, the FDIC-supervised institution must use the longest residual maturity of any of the hedged exposures as the residual maturity of all the hedged exposures.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["324"],"part_title":["PART 324 - CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS"],"section":["324.145"],"section_title":["\u00a7 324.145 Recognition of credit risk mitigants for securitization exposures."]},"_input_hash":1312673632,"_task_hash":-1435597792,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849124,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"The term tax and loan account means an account, the balance of which is subject to the right of immediate withdrawal, established for receipt of payments of Federal taxes and certain United States obligations. Such accounts are not savings accounts or savings deposits.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["390"],"part_title":["PART 390 - REGULATIONS TRANSFERRED FROM THE OFFICE OF THRIFT SUPERVISION"],"section":["390.313"],"section_title":["\u00a7 390.313 Tax and loan account."]},"_input_hash":-804181673,"_task_hash":-1050734617,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849136,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Actions by the Director. The Director shall carry out this section by taking, at any time, one or more of the following actions with respect to a significantly undercapitalized Bank:, (1) Limit the increase in any obligations or class of obligations of the Bank, including any off-balance sheet obligations. Such limitation may be stated in an absolute dollar amount, as a percentage of current obligations or in any other form chosen by the Director;, (2) Reduce the amount of any obligations or class of obligations held by the Bank, including any off-balance sheet obligations. Such reduction may be stated in an absolute dollar amount, as a percentage of current obligations or in any other form chosen by the Director;, (3) Limit the increase in, or prohibit the growth of any asset or class of assets held by the Bank. Such limitation may be stated in an absolute dollar amount, as a percentage of current assets or in any other form chosen by the Director;, (4) Reduce the amount of any asset or class of asset held by the Bank. Such reduction may be stated in an absolute dollar amount, as a percentage of current obligations or in any other form chosen by the Director;, (5) Acquire new capital in the form and amount determined by the Director, which specifically may include requiring a Bank to increase its level of retained earnings;, (6) Modify, limit or terminate any activity of the Bank that the Director determines creates excessive risk;, (7) Take steps to improve the management at the Bank by:, (i) Ordering a new election for the Bank's board of directors in accordance with procedures established by the Director;, (ii) Dismissing particular directors or executive officers, in accordance with section 1366(b)(5)(B) of the Safety and Soundness Act (12 U.S.C. 4616(b)(5)(B)), who held office for more than 180 days immediately prior to the date on which the Bank became undercapitalized, provided further that such dismissals shall not be considered removal pursuant to an enforcement action under section 1377 of the Safety and Soundness Act (12 U.S.C. 4636a) and shall not be subject to the requirements necessary to remove an officer or director under that section; or, (iii) Ordering the Bank to hire qualified executive officers, the hiring of whom, prior to employment by the Bank and at of the option of the Director, may be subject to review and approval by the Director; or, (8)(i) Reclassify a significantly undercapitalized Bank as critically undercapitalized if:, (A) The Bank does not submit a capital restoration plan that is substantially in compliance with \u00a7 1229.11 of this part and within the time frame required;, (B) The Director does not approve the capital restoration plan submitted by the Bank; or, (C) The Director determines that the Bank has failed to make reasonable, good faith efforts to comply with its approved capital restoration plan and fulfill any schedule established by that plan., (ii) Subject to paragraph (c) of this section, the Director may reclassify a significantly undercapitalized Bank under paragraph (a)(8)(i) of this section at any time the grounds for such action exist, notwithstanding the fact that such grounds had formed the basis on which the Director reclassified a Bank from undercapitalized to significantly undercapitalized., (b) Additional safeguards. The Director may require a significantly undercapitalized Bank to take any other action not specifically listed in this section if the Director determines such action will help ensure the safe and sound operation of the Bank and the Bank's compliance with its risk-based and minimum capital requirements in a reasonable period of time more than any action specifically authorized under paragraph (a) of this section., (c) Procedures. Before finalizing any action under this section, the Director shall provide a Bank written notice describing the proposed action or actions and an opportunity to submit information that the Bank considers relevant to the Director's decision to take such action in accordance with \u00a7 1229.12 of this subpart.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - ENTITY REGULATIONS"],"part":["1229"],"part_title":["PART 1229 - CAPITAL CLASSIFICATIONS AND PROMPT CORRECTIVE ACTION"],"section":["1229.9"],"section_title":["\u00a7 1229.9 Discretionary actions applicable to significantly undercapitalized Banks."]},"_input_hash":1645960662,"_task_hash":-1027767742,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849182,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Senior Examiners of State Member Banks. An officer or employee of the Federal Reserve who serves as the senior examiner of a state member bank for two or more months during the last twelve months of such individual's employment with the Federal Reserve may not, within one year after leaving the employment of the Federal Reserve, knowingly accept compensation as an employee, officer, director or consultant from - , (1) The state member bank; or, (2) Any company (including a bank holding company) that controls the state member bank., (b) Senior Examiners of Bank Holding Companies. An officer or employee of the Federal Reserve who serves as the senior examiner of a bank holding company for two or more months during the last twelve months of such individual's employment with the Federal Reserve may not, within one year of leaving the employment of the Federal Reserve, knowingly accept compensation as an employee, officer, director or consultant from - , (1) The bank holding company; or, (2) Any depository institution that is controlled by the bank holding company., (c) Senior Examiners of Foreign Banks. An officer or employee of the Federal Reserve who serves as the senior examiner of a foreign bank for two or more months during the last twelve months of such individual's employment with the Federal Reserve may not, within one year of leaving the employment of the Federal Reserve, knowingly accept compensation as an employee, officer, director or consultant from - , (1) The foreign bank; or, (2) Any branch or agency of the foreign bank located in the United States; or, (3) Any other depository institution controlled by the foreign bank., (d) Senior Examiners of Savings and Loan Holding Companies. An officer or employee of the Federal Reserve who serves as the senior examiner of a savings and loan holding company for two or more months during the last twelve months of such individual's employment with the Federal Reserve may not, within one year of leaving the employment of the Federal Reserve, knowingly accept compensation as an employee, officer, director or consultant from - , (1) The savings and loan holding company; or, (2) Any depository institution that is controlled by the savings and loan holding company. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["264a"],"part_title":["PART 264a - POST-EMPLOYMENT RESTRICTIONS FOR SENIOR EXAMINERS"],"section":["264a.3"],"section_title":["\u00a7 264a.3 What special post-employment restrictions apply to senior examiners?"]},"_input_hash":279296813,"_task_hash":1549601660,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849194,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Filing exceptions. Within 30 days after service of the recommended decision, findings, conclusions, and proposed order under \u00a7 308.38, a party may file with the Administrative Officer written exceptions to the administrative law judge's recommended decision, findings, conclusions, or proposed order, to the admission or exclusion of evidence, or to the failure of the administrative law judge to make a ruling proposed by a party. A supporting brief may be filed at the time the exceptions are filed, either as part of the same document or in a separate document. , (b) Effect of failure to file or raise exceptions. (1) Failure of a party to file exceptions to those matters specified in paragraph (a) of this section within the time prescribed is deemed a waiver of objection thereto. , (2) No exception need be considered by the Board of Directors if the party taking exception had an opportunity to raise the same objection, issue, or argument before the administrative law judge and failed to do so. , (c) Contents. (1) All exceptions and briefs in support of such exceptions must be confined to the particular matters in, or omissions from, the administrative law judge's recommendations to which that party takes exception. , (2) All exceptions and briefs in support of exceptions must set forth page or paragraph references to the specific parts of the administrative law judge's recommendations to which exception is taken, the page or paragraph references to those portions of the record relied upon to support each exception, and the legal authority relied upon to support each exception. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.39"],"section_title":["\u00a7 308.39 Exceptions to recommended decision."]},"_input_hash":152789803,"_task_hash":-395835751,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849207,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"The hearing official shall issue a written opinion stating his or her decision as soon as practicable, but not later than sixty (60) days after the date on which the request for such hearing was received by the FDIC. If the FDIC is unable to provide the debtor with a hearing and decision within sixty (60) days after the receipt of the request for such hearing: , (a) The FDIC may not issue a withholding order until the hearing is held and a decision rendered; or , (b) If the FDIC had previously issued a withholding order to the debtor's employer, the withholding order will be suspended beginning on the 61st day after the date the FDIC received the hearing request and continuing until a hearing is held and a decision is rendered. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["313"],"part_title":["PART 313 - PROCEDURES FOR COLLECTION OF CORPORATE DEBT, CRIMINAL RESTITUTION DEBT, AND CIVIL MONEY PENALTY DEBT"],"section":["313.89"],"section_title":["\u00a7 313.89 Date of decision."]},"_input_hash":-2019942321,"_task_hash":1360752309,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849222,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Pursuant to 31 U.S.C. 3717, the FDIC shall assess interest, penalties and administrative costs on debts owed to the United States. The FDIC is authorized to assess interest and related charges on debts that are not subject to 31 U.S.C. 3717 to the extent authorized under the common law or other applicable statutory authority.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["313"],"part_title":["PART 313 - PROCEDURES FOR COLLECTION OF CORPORATE DEBT, CRIMINAL RESTITUTION DEBT, AND CIVIL MONEY PENALTY DEBT"],"section":["313.26"],"section_title":["\u00a7 313.26 Interest."]},"_input_hash":884847853,"_task_hash":908255738,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849239,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Eligibility, number and term - (1) Eligibility. No candidate for an outside director position may be a director, officer, employee, agent, or stockholder of an institution in the Farm Credit System. Farm Credit banks and associations must make a reasonable effort to select outside directors possessing some or all of the desired director qualifications identified pursuant to \u00a7 611.210(a) of this part., (2) Number. Stockholder-elected directors must constitute at least 60 percent of the members of each institution's board., (i) Each Farm Credit bank must have at least two outside directors., (ii) Associations with total assets exceeding $500 million as of January 1 of each year must have no fewer than two outside directors on the board. However, this requirement does not apply if it causes the percent of stockholder-elected directors to be less than 75 percent of the board., (iii) Associations with $500 million or less in total assets as of January 1 of each year must have at least one outside director., (3) Terms of office. Banks and associations may not establish a different term of office for outside directors than that established for stockholder-elected directors., (b) Removal. Each institution must establish and maintain procedures for removal of outside directors. When the removal of an outside director is sought before the expiration of the outside director's term, the reason for removal must be documented. An institution's director removal procedures must allow for removal of an outside director by a majority vote of all voting stockholders voting, in person or by proxy, or by a two-thirds majority vote of the full board of directors. The outside director subject to the removal action is prohibited from voting in his or her own removal action.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["611"],"part_title":["PART 611 - ORGANIZATION"],"section":["611.220"],"section_title":["\u00a7 611.220 Outside directors."]},"_input_hash":-491950861,"_task_hash":962224687,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849260,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) General. The Board shall operate each program or activity so that the program or activity, when viewed in its entirety, is readily accessible to and usable by individuals with a disability. This paragraph (a) does not: , (1) Necessarily require the Board to make each of its existing facilities accessible to and usable by individuals with a disability; or , (2) Require the Board to take any action that it can demonstrate would result in a fundamental alteration in the nature of a program or activity or in undue financial and administrative burdens. In those circumstances where the Board believes that the proposed action would fundamentally alter the program or activity or would result in undue financial and administrative burdens, the Board has the burden of proving that compliance with this paragraph (a) would result in such alterations or burdens. The decision that compliance would result in such alterations or burdens shall be made by the Board of Governors or their designee after considering all Board resources available for use in the funding and operation of the conducted program or activity, and must be accompanied by a written statement of the reasons for reaching that conclusion. If an action would result in such an alteration or such burdens, the Board shall take any other action that would not result in such an alteration or such burdens but would nevertheless ensure that individuals with a disability receive the benefits and services of the program or activity. , (b) Methods. The Board may comply with the requirements of this subpart H through such means as redesign of equipment, reassignment of services to accessible buildings, assignment of aides to individuals with a disability, home visits, delivery of service at alternate accessible sites, alteration of existing facilities and construction of new facilities, use of accessible rolling stock, or any other methods that result in making its programs or activities readily accessible to and usable by individuals with a disability. The Board is not required to make structural changes in existing facilities where other methods are effective in achieving compliance with this section. In choosing among available methods for meeting the requirements of this section, the Board shall give priority to those methods that offer programs and activities to qualified individuals with a disability in the most integrated setting appropriate. , (c) Time period for compliance. The Board shall comply with any obligations established under this section as expeditiously as possible. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["268"],"part_title":["PART 268 - RULES REGARDING EQUAL OPPORTUNITY"],"section":["268.707"],"section_title":["\u00a7 268.707 Program accessibility: Existing facilities."]},"_input_hash":-1812751064,"_task_hash":-964195475,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849276,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Conversion - (1) Generally. A mutual holding company may convert to the stock form in accordance with the rules and regulations set forth in subpart E of this part., (2) Exchange of subsidiary savings association or subsidiary holding company stock. Any stock issued by a subsidiary savings association, or by a subsidiary holding company pursuant to \u00a7 239.24, of a mutual holding company to persons other than the parent mutual holding company may be exchanged for the stock issued by the successor to parent mutual holding company in connection with the conversion of the parent mutual holding company to stock form. The parent mutual holding company and the subsidiary holding company must demonstrate to the satisfaction of the Board that the basis for the exchange is fair and reasonable., (3) If a subsidiary holding company or subsidiary savings association has issued shares to an entity other than the mutual holding company, the conversion of the mutual holding company to stock form may not be consummated unless a majority of the shares issued to entities other than the mutual holding company vote in favor of the conversion. This requirement applies in addition to any otherwise required account holder or shareholder votes., (b) Involuntary liquidation. (1) The Board may file a petition with the federal bankruptcy courts requesting the liquidation of a mutual holding company pursuant to 12 U.S.C. 1467a(o)(9) and title 11, United States Code, upon the occurrence of any of the following events:, (i) The default of the resulting association, any acquiree association, or any subsidiary savings association of the mutual holding company that was in the mutual form when acquired by the mutual holding company;, (ii) The default of the parent mutual holding company or its subsidiary holding company; or, (iii) Foreclosure on any pledge by the mutual holding company of subsidiary savings association stock or subsidiary holding company stock., (2) Except as provided in paragraph (b)(3) of this section, the net proceeds of any liquidation of any mutual holding company shall be transferred to the members of the mutual holding company and, if applicable, the stock holders of the subsidiary holding company in accordance with the charter of the mutual holding company and, if applicable, the charter of the subsidiary holding company., (3) If the FDIC incurs a loss as a result of the default of any subsidiary savings association of a mutual holding company and that mutual holding company is liquidated pursuant to paragraph (b)(1) of this section, the FDIC shall succeed to the membership interests of the depositors of such savings association in the mutual holding company to the extent of the FDIC's loss., (c) Voluntary liquidation. The provisions of \u00a7 239.16 shall apply to mutual holding companies.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["239"],"part_title":["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"],"section":["239.9"],"section_title":["\u00a7 239.9 Conversion or liquidation of mutual holding companies."]},"_input_hash":953694220,"_task_hash":-523947423,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849291,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) A decision to close any portion of a meeting and to withhold information about any portion of a meeting closed pursuant to \u00a7 791.12(a) will be taken only when a majority of the entire Board votes to take such action. In deciding whether to close a meeting or any portion of a meeting or to withhold information, the Board shall independently consider whether the public interest requires an open meeting. A separate vote of the Board will be taken and recorded for each portion of a meeting to be closed to public observation pursuant to \u00a7 791.12(a) or to withhold information from the public pursuant to \u00a7 791.12(a). A single vote may be taken and recorded with respect to a series of meetings, or any portions of meetings which are proposed to be closed to the public, or with respect to any information concerning the series of meetings, so long as each meeting in the series involves the same particular matters and is scheduled to be held no more than thirty days after the initial meeting in such series. No proxies shall be allowed. , (b) Any person whose interests may be directly affected by any portion of a meeting for any of the reasons stated in \u00a7 791.12(a) (5), (6) or (7) may request that the Board close such portion of the meeting. After receiving notice of a person's desire for any specified portion of a meeting to be closed, the Board, upon a request by one member, will decide by recorded vote whether to close the relevant portion or portions of the meeting. This procedure applies to requests received either prior or subsequent to the announcement of a decision to hold an open meeting. , (c) Within one day after any vote is taken pursuant to paragraph (a) or (b) of this section, the Board shall make publicly available a written copy of the vote taken indicating the vote of each Board member. Except to the extent that such information is withheld and exempt from disclosure, for each meeting or any portion of a meeting closed to the public, the Board shall make publicly available within one day after the required vote, a written explanation of its action, together with a list of all persons expected to attend the closed meeting and their affiliation. The list of persons to attend need not include the names of individual staff, but shall state the offices of the agency expected to participate in the meeting discussions. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["791"],"part_title":["PART 791 - RULES OF NCUA BOARD PROCEDURE; PROMULGATION OF NCUA RULES AND REGULATIONS; PUBLIC OBSERVATION OF NCUA BOARD MEETINGS"],"section":["791.14"],"section_title":["\u00a7 791.14 Regular procedure for closing meeting discussions or limiting the disclosure of information."]},"_input_hash":163304221,"_task_hash":-939784871,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849313,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"\u00a7\u00a7 324.171 through 324.173 establish public disclosure requirements related to the capital requirements of an FDIC-supervised institution that is an advanced approaches FDIC-supervised institution.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["324"],"part_title":["PART 324 - CAPITAL ADEQUACY OF FDIC-SUPERVISED INSTITUTIONS"],"section":["324.171"],"section_title":["\u00a7 324.171 Purpose and scope."]},"_input_hash":-1739627984,"_task_hash":-1889476729,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849346,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Upon receipt of a request for hearing which complies with \u00a7 747.403(b), the NCUA Board shall transmit the request to the Office of Financial Institution Adjudication (\u201cOFIA\u201d). Such hearing shall commence no earlier than 30 days nor later than 60 days after the date the OFIA receives the request for a hearing, unless an earlier or later date is requested by the Federal credit union concerned and is granted by the NCUA Board in its discretion. , (b) Except as provided in \u00a7 747.405(b), the procedures of the Administrative Procedure Act (5 U.S.C. 554-557) and subpart A of this part will apply to the hearing., (c) Unless the Federal credit union shall appear at such hearing by a duly authorized representative it shall be deemed to have consented to the suspension or revocation of its charter and to the placing of said credit union into involuntary liquidation. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.404"],"section_title":["\u00a7 747.404 Notice of hearing."]},"_input_hash":-684961044,"_task_hash":-656018920,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849358,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"In this subpart, the following definitions shall apply: , (a) Agency means: , (1) An executive agency as defined by 5 U.S.C. 105, including the United States Postal Service and the United States Postal Rate Commission; , (2) A military department as defined in 5 U.S.C. 102; , (3) An agency or court of the judicial branch, including a court as defined in 28 U.S.C. 610, the District Court for the Northern Mariana Islands, and the Judicial Panel on Multi-district Litigation; , (4) An agency of the legislative branch, including the United States Senate and the United States House of Representatives; or , (5) Other independent establishments that are entities of the Federal Government. , (b) Disposable pay means, for an officially established pay interval, that part of current basic pay, special pay, incentive pay, retired pay, retainer pay, or, in the case of an employee not entitled to basic pay, other authorized pay, remaining after the deduction of any amount required by law to be withheld. The FCA shall allow the deductions described in 5 CFR 581.105 (b) through (f). , (c) Employee means a current employee of the FCA or other agency, including a current member of the Armed Forces or Reserve of the Armed Forces of the United States. , (d) Waiver means the cancellation, remission, forgiveness, or nonrecovery of a debt allegedly owed by an employee to the FCA or another agency as permitted or required by 5 U.S.C. 5584 or 8346(b), 10 U.S.C. 2774, 32 U.S.C. 716, or any other law. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ADMINISTRATIVE PROVISIONS"],"part":["608"],"part_title":["PART 608 - COLLECTION OF CLAIMS OWED THE UNITED STATES"],"section":["608.837"],"section_title":["\u00a7 608.837 Definitions."]},"_input_hash":1873848660,"_task_hash":-1509979504,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849377,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"This section applies only to loan participations as defined in paragraph (a) of this section. It does not apply to the purchase of an investment interest in a pool of loans. This section establishes the requirements a federally insured credit union must satisfy to purchase a participation in a loan. This section applies only to a federally insured credit union's purchase of a loan participation where the borrower is not a member of that credit union and where a continuing contractual obligation between the seller and purchaser is contemplated. Generally, a federal credit union's purchase of all or part of a loan made to one of its own members, subject to a limited exception for certain well capitalized federal credit unions in \u00a7 701.23(b)(2), where no continuing contractual obligation between the seller and purchaser is contemplated, is governed by \u00a7 701.23 of this part. Federally insured state-chartered credit unions are required by \u00a7 741.225 of this chapter to comply with the loan participation requirements of this section. This section does not apply to corporate credit unions, as that term is defined in \u00a7 704.2 of this chapter., (a) For purposes of this section, the following definitions apply:, Associated borrower means any other person or entity with a shared ownership, investment, or other pecuniary interest in a business or commercial endeavor with the borrower. This means any person or entity named as a borrower or debtor in a loan or extension of credit, or any other person or entity, such as a drawer, endorser, or guarantor, engaged in a common enterprise with the borrower, or deriving a direct benefit from the loan to the borrower. Exceptions to this definition for partnerships, joint ventures and associations are as follows:, (1) If the borrower is a partnership, joint venture or association, and the other person with a shared ownership, investment, or other pecuniary interest in a business or commercial endeavor with the borrower is a member or partner of the borrower, and neither a direct benefit nor a common enterprise exists, such other person is not an associated borrower., (2) If the borrower is a member or partner of a partnership, joint venture, or association, and the other entity with a shared ownership, investment, or other pecuniary interest in a business or commercial endeavor with the borrower is the partnership, joint venture, or association and the borrower is a limited partner of that other entity, and by the terms of a partnership or membership agreement valid under applicable law, the borrower is not held generally liable for the debts or actions of that other entity, such other entity is not an associated borrower., (3) If the borrower is a member or partner of a partnership, joint venture, or association, and the other person with a shared ownership, investment, or other pecuniary interest in a business or commercial endeavor with the borrower is another member or partner of the partnership, joint venture, or association, and neither a direct benefit nor a common enterprise exists, such other person is not an associated borrower., Common enterprise means:, (1) The expected source of repayment for each loan or extension of credit is the same for each borrower and no individual borrower has another source of income from which the loan (together with the borrower's other obligations) may be fully repaid. An employer will not be treated as a source of repayment because of wages and salaries paid to an employee, unless the standards described in paragraph (2) are met;, (2) Loans or extensions of credit are made:, (i) To borrowers who are related directly or indirectly through common control, including where one borrower is directly or indirectly controlled by another borrower; and, (ii) Substantial financial interdependence exists between or among the borrowers. Substantial financial interdependence means 50 percent or more of one borrower's gross receipts or gross expenditures (on an annual basis) are derived from transactions with another borrower. Gross receipts and expenditures include gross revenues or expenses, intercompany loans, dividends, capital contributions, and similar receipts or payments; or, (3) Separate borrowers obtain loans or extensions of credit to acquire a business enterprise of which those borrowers will own more than 50 percent of the voting securities or voting interests., Control means a person or entity directly or indirectly, or acting through or together with one or more persons or entities:, (1) Owns, controls, or has the power to vote 25 percent or more of any class of voting securities of another person or entity;, (2) Controls, in any manner, the election of a majority of the directors, trustees, or other persons exercising similar functions of another person or entity; or, (3) Has the power to exercise a controlling influence over the management or policies of another person or entity. , Credit union means any federal or state-chartered credit union., Credit union organization means any credit union service organization meeting the requirements of part 712 of this chapter. This term does not include trade associations or membership organizations principally composed of credit unions., Direct benefit means the proceeds of a loan or extension of credit to a borrower, or assets purchased with those proceeds, that are transferred to another person or entity, other than in a bona fide arm's-length transaction where the proceeds are used to acquire property, goods, or services. , Eligible organization means a credit union, credit union organization, or financial organization., Financial organization means any federally chartered or federally insured financial institution; and any state or federal government agency and its subdivisions., Loan participation means a loan where one or more eligible organizations participate pursuant to a written agreement with the originating lender, and the written agreement requires the originating lender's continuing participation throughout the life of the loan., Originating lender means the participant with which the borrower initially or originally contracts for a loan and who, thereafter or concurrently with the funding of the loan, sells participations to other lenders., (b) A federally insured credit union may purchase a participation interest in a loan from an eligible organization only if the loan is one the purchasing credit union is empowered to grant and the following additional conditions are satisfied:, (1) The purchase complies with all regulatory requirements to the same extent as if the purchasing federally insured credit union had originated the loan, including, for example, the loans-to-one-borrower provisions in \u00a7 701.21(c)(5) of this part for federal credit unions and \u00a7 723.4 of the member business loans rule in part 723 of this chapter for all federally insured credit unions;, (2) The purchasing federally insured credit union has executed a written loan participation agreement with the originating lender and the agreement meets the minimum requirements for a loan participation agreement as described in paragraph (d) of this section;, (3) The originating lender retains an interest in each participated loan. If the originating lender is a federal credit union, the retained interest must be at least 10 percent of the outstanding balance of the loan through the life of the loan. If the originating lender is any other type of eligible organization, the retained interest must be at least 5 percent of the outstanding balance of the loan through the life of the loan, unless a higher percentage is required under applicable state law;, (4) The borrower becomes a member of one of the participating credit unions before the purchasing federally insured credit union purchases a participation interest in the loan; and, (5) The purchase complies with the purchasing federally insured credit union's internal written loan participation policy, which, at a minimum, must:, (i) Establish underwriting standards for loan participations;, (ii) Establish a limit on the aggregate amount of loan participations that may be purchased from any one originating lender, not to exceed the greater of $5,000,000 or 100 percent of the federally insured credit union's net worth, unless this amount is waived by the appropriate regional director, and, in the case of a federally insured state-chartered credit union, with prior written concurrence of the appropriate state supervisory authority;, (iii) Establish limits on the amount of loan participations that may be purchased by each loan type, not to exceed a specified percentage of the federally insured credit union's net worth; and, (iv) Establish a limit on the aggregate amount of loan participations that may be purchased with respect to a single borrower, or group of associated borrowers, not to exceed 15 percent of the federally insured credit union's net worth, unless waived by the appropriate regional director, and, in the case of a federally insured state-chartered credit union, with prior written concurrence of the appropriate state supervisory authority., (c) To seek a waiver from any of the limitations in paragraph (b) of this section, a federally insured credit union must submit a written request to its regional director with a full and detailed explanation of why it is requesting the waiver. Within 45 calendar days of receipt of a completed waiver request, including all necessary supporting documentation and, if appropriate, any written concurrence, the regional director will provide the federally insured credit union a written response. The regional director's decision will be based on safety and soundness and other considerations; however, the regional director will not grant a waiver to a federally insured State-chartered credit union without the prior written concurrence of the appropriate State supervisory authority. A federally insured credit union may request the regional director to reconsider a denied waiver request and/or file an appeal with the NCUA Board in accordance with the procedures set forth in subpart B to part 746 of this chapter., (d) A loan participation agreement must:, (1) Be properly executed by authorized representatives of all parties under applicable law;, (2) Be properly authorized by the federally insured credit union's board of directors or, if the board has so delegated in its policy, a designated committee or senior management official, under the federally insured credit union's bylaws and all applicable law;, (3) Be retained in the federally insured credit union's office (original or copies); and, (4) Include provisions which, at a minimum, address the following:, (i) Prior to purchase, the identification of the specific loan participation(s) being purchased, either directly in the agreement or through a document which is incorporated by reference into the agreement;, (ii) The interest that the originating lender will retain in the loan to be participated. If the originating lender is a federal credit union, the retained interest must be at least 10 percent of the outstanding balance of the loan through the life of the loan. If the originating lender is any other type of eligible organization, the retained interest must be at least 5 percent of the outstanding balance of the loan through the life of the loan, unless a higher percentage is required under state law;, (iii) The location and custodian for original loan documents;, (iv) An explanation of the conditions under which parties to the agreement can gain access to financial and other performance information about a loan, the borrower, and the servicer so the parties can monitor the loan;, (v) An explanation of the duties and responsibilities of the originating lender, servicer, and participants with respect to all aspects of the participation, including servicing, default, foreclosure, collection, and other matters involving the ongoing administration of the loan; and, (vi) Circumstances and conditions under which participants may replace the servicer., (e) Temporary regulatory relief in response to COVID-19. Notwithstanding paragraph (b)(5)(ii) of this section, during the period commencing on April 21, 2020 and concluding on December 31, 2022, the aggregate amount of loan participations that may be purchased from any one originating lender shall not exceed the greater of $5,000,000 or 200 percent of the federally insured credit union's net worth.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["701"],"part_title":["PART 701 - ORGANIZATION AND OPERATION OF FEDERAL CREDIT UNIONS"],"section":["701.22"],"section_title":["\u00a7 701.22 Loan participations."]},"_input_hash":1165227659,"_task_hash":1372383651,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849403,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) General. If the Director determines that an Enterprise did not comply with, or there is a substantial probability that an Enterprise will not comply with, the duty to serve a particular underserved market in a given year, the Director may require the Enterprise to submit a housing plan for approval by the Director., (b) Nature of housing plan. If the Director requires a housing plan, the housing plan must:, (1) Be feasible;, (2) Be sufficiently specific to enable the Director to monitor compliance periodically;, (3) Describe the specific actions that the Enterprise will take:, (i) To comply with the duty to serve a particular underserved market for the next calendar year; or, (ii) To make such improvements and changes in its operations as are reasonable in the remainder of the year, if the Director determines that there is a substantial probability that the Enterprise will fail to comply with the duty to serve a particular underserved market in such year; and, (4) Address any additional matters relevant to the housing plan as required, in writing, by the Director., (c) Deadline for submission. The Enterprise must submit the housing plan to the Director within 45 days after issuance of a notice requiring the Enterprise to submit a housing plan. The Director may extend the deadline for submission of a housing plan, in writing and for a time certain, to the extent the Director determines an extension is necessary., (d) Review of housing plans. The Director will review and approve or disapprove housing plans in accordance with 12 U.S.C. 4566(c)(4) and (c)(5)., (e) Resubmission. If the Director disapproves an initial housing plan submitted by an Enterprise, the Enterprise must submit an amended housing plan acceptable to the Director not later than 15 days after the Director's disapproval of the initial housing plan. The Director may extend the deadline if the Director determines that an extension is in the public interest. If the amended housing plan is not acceptable to the Director, the Director may afford the Enterprise 15 days to submit a new housing plan.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["E"],"subchapter_title":["SUBCHAPTER E - HOUSING GOALS AND MISSION"],"part":["1282"],"part_title":["PART 1282 - ENTERPRISE HOUSING GOALS AND MISSION"],"section":["1282.41"],"section_title":["\u00a7 1282.41 Housing plans."]},"_input_hash":-1408824204,"_task_hash":838771502,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849425,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Any application to the ALJ for an order or ruling must be by motion. Motions must state the relief sought, the authority relied upon, and the facts alleged, and must be filed with the ALJ and served on all other parties. Motions may include, without limitation, motions for summary judgment. , (b) Except for motions made during a prehearing conference or at the hearing, all motions must be in writing. The ALJ may require that oral motions be reduced to writing. , (c) Within 15 days after a written motion is served, or any other time as may be fixed by the ALJ, any party may file a response to such motion. , (d) The ALJ may not grant a written motion before the time for filing responses thereto has expired, except upon consent of the parties or following a hearing on the motion, but may overrule or deny such motion without awaiting a response. , (e) The ALJ will make a reasonable effort to dispose of all outstanding motions prior to the beginning of the hearing. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.527"],"section_title":["\u00a7 308.527 Motions."]},"_input_hash":251519463,"_task_hash":81527231,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849488,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) The requirements of \u00a7 238.11(a), (b), (d), (e) and (f) do not apply to:, (1) Control of a savings association acquired by devise under the terms of a will creating a trust which is excluded from the definition of savings and loan holding company;, (2) Control of a savings association acquired in connection with a reorganization that involves solely the acquisition of control of that association by a newly formed company that is controlled by the same acquirors that controlled the savings association for the immediately preceding three years, and entails no other transactions, such as an assumption of the acquirors' debt by the newly formed company: Provided, that the acquirors have filed the designated form with the appropriate Reserve Bank and have provided all additional information requested by the Board or Reserve Bank, and the Board nor the appropriate Reserve Bank object to the acquisition within 30 days of the filing date;, (3) Control of a savings association acquired by a bank holding company that is registered under and subject to, the Bank Holding Company Act of 1956, or any company controlled by such bank holding company;, (4) Control of a savings association acquired solely as a result of a pledge or hypothecation of stock to secure a loan contracted for in good faith or the liquidation of a loan contracted for in good faith, in either case where such loan was made in the ordinary course of the business of the lender: Provided, further, That acquisition of control pursuant to such pledge, hypothecation or liquidation is reported to the Board within 30 days, and Provided, further, That the acquiror shall not retain such control for more than one year from the date on which such control was acquired; however, the Board may, upon application by an acquiror, extend such one-year period from year to year, for an additional period of time not exceeding three years, if the Board finds such extension is warranted and would not be detrimental to the public interest;, (5) Control of a savings association acquired through a percentage increase in stock ownership following a pro rata stock dividend or stock split, if the proportional interests of the recipients remain substantially the same;, (6) Acquisitions of up to twenty-five percent (25%) of a class of stock by a tax-qualified employee stock benefit plan; and, (7) Acquisitions of up to 15 percent of the voting stock of any savings association by a savings and loan holding company (other than a bank holding company) in connection with a qualified stock issuance if such acquisition is approved by the Board pursuant to subpart E., (b) The requirements of \u00a7 238.11(c) do not apply to voting shares of a savings association or of a savings and loan holding company - , (1) Held as a bona fide fiduciary (whether with or without the sole discretion to vote such shares);, (2) Held temporarily pursuant to an underwriting commitment in the normal course of an underwriting business;, (3) Held in an account solely for trading purposes or over which no control is held other than control of voting rights acquired in the normal course of a proxy solicitation;, (4) Acquired in securing or collecting a debt previously contracted in good faith, for two years after the date of acquisition or for such additional time (not exceeding three years) as the Board may permit if, in the Board's judgment, such an extension would not be detrimental to the public interest;, (5) Acquired under section 13(k)(1)(A)(i) of the Federal Deposit Insurance Act (or section 408(m) of the National Housing Act as in effect immediately prior to the enactment of the Financial Institutions Reform, Recovery and Enforcement Act of 1989);, (6) Held by any insurance companies as defined in section 2(a)(17) of the Investment Company Act of 1940: Provided, That all shares held by all insurance company affiliates of such savings association or savings and loan holding company may not, in the aggregate, exceed five percent of all outstanding shares or of the voting power of the savings association or savings and loan holding company, and such shares are not acquired or retained with a view to acquiring, exercising, or transferring control of the savings association or savings and loan holding company; and, (7) Acquired pursuant to a qualified stock issuance if such a purchase is approved pursuant to subpart E of this part., (c) The aggregate amount of shares held under paragraph (b) of this section (other than pursuant to paragraphs (b)(1) through (4) and (b)(6)) may not exceed 15 percent of all outstanding shares or the voting power of a savings association or savings and loan holding company., (d) Acquisitions involving savings association mergers and internal corporate reorganizations. The requirements of \u00a7 238.11 do not apply to:, (1) Certain transactions subject to the Bank Merger Act. The acquisition by a savings and loan holding company of shares of a savings association or company controlling a savings association or the merger of a company controlling a savings association with the savings and loan holding company, if the transaction is part of the merger or consolidation of the savings association with a subsidiary savings association (other than a nonoperating subsidiary savings association) of the acquiring savings and loan holding company, or is part of the purchase of substantially all of the assets of the savings association by a subsidiary savings association (other than a nonoperating subsidiary savings association) of the acquiring savings and loan holding company, and if:, (i) The savings association merger, consolidation, or asset purchase occurs simultaneously with the acquisition of the shares of the savings association or savings and loan holding company or the merger of holding companies, and the savings association is not operated by the acquiring savings and loan holding company as a separate entity other than as the survivor of the merger, consolidation, or asset purchase;, (ii) The transaction requires the prior approval of a federal supervisory agency under the Bank Merger Act (12 U.S.C. 1828(c));, (iii) The transaction does not involve the acquisition of any company that would require prior notice or approval under section 10(c) of the HOLA;, (iv) The transaction does not involve a depository institution organized in mutual form, a savings and loan holding company organized in mutual form, a subsidiary holding company of a savings and loan holding company organized in mutual form, or a bank holding company organized in mutual form;, (v) The transaction will not have a material adverse impact on the financial condition of the acquiring savings and loan holding company;, (vi) At least 10 days prior to the transaction, the acquiring savings and loan holding company has provided to the Reserve Bank written notice of the transaction that contains:, (A) A copy of the filing made to the appropriate federal banking agency under the Bank Merger Act; and, (B) A description of the holding company's involvement in the transaction, the purchase price, and the source of funding for the purchase price; and, (vii) Prior to expiration of the period provided in paragraph (d)(1)(vi) of this section, neither the Board nor the Reserve Bank has informed the savings and loan holding company that an application under \u00a7 238.11 is required., (2) Internal corporate reorganizations. (i) Subject to paragraph (d)(2)(ii) of this section, any of the following transactions performed in the United States by a savings and loan holding company:, (A) The merger of holding companies that are subsidiaries of the savings and loan holding company;, (B) The formation of a subsidiary holding company; 1, 1 In the case of a transaction that results in the formation or designation of a new savings and loan holding company, the new savings and loan holding company must complete the registration requirements described in section 238.11., (C) The transfer of control or ownership of a subsidiary savings association or a subsidiary holding company between one subsidiary holding company and another subsidiary holding company or the savings and loan holding company., (ii) A transaction described in paragraph (d)(2)(i) of this section qualifies for this exception if - , (A) The transaction represents solely a corporate reorganization involving companies and insured depository institutions that, both preceding and following the transaction, are lawfully controlled and operated by the savings and loan holding company;, (B) The transaction does not involve the acquisition of additional voting shares of an insured depository institution that, prior to the transaction, was less than majority owned by the savings and loan holding company;, (C) The transaction does not involve a savings and loan holding company organized in mutual form, a subsidiary holding company of a savings and loan holding company organized in mutual form, or a bank holding company organized in mutual form; and, (D) The transaction will not have a material adverse impact on the financial condition of the holding company.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["238"],"part_title":["PART 238 - SAVINGS AND LOAN HOLDING COMPANIES (REGULATION LL)"],"section":["238.12"],"section_title":["\u00a7 238.12 Transactions not requiring Board approval."]},"_input_hash":2036155657,"_task_hash":-314062569,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849506,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Since the Board and the Committee qualifies for the use of expedited procedures under subsection (d)(4) of the Act, meetings or portions thereof exempt under paragraph (a)(4), (a)(8), (a)(9)(i) or (a)(10) of \u00a7 261b.5 of this part, will be closed to public observation under the expedited procedures of this section. Following are examples of types of items that, absent compelling contrary circumstances, will qualify for these exemptions: Matters relating to a specific bank or bank holding company, such as bank branches or mergers, bank holding company formations, or acquisition of an additional bank or acquisition or de novo undertaking of a permissible nonbanking activity; matters relating to a specific savings and loan holding company or its subsidiaries, such as acquisitions, reorganizations, savings and loan holding company formations, conversions, or acquisition or de novo undertaking of a permissible activity; bank regulatory matters, such as applications for membership, issuance of capital notes and investment in bank premises; foreign banking matters; bank supervisory and enforcement matters, such as cease-and-desist and officer removal proceedings; monetary policy matters, such as discount rates, use of the discount window, changes in the limitations on payment of interest on time and savings accounts, and changes in reserve requirements or margin regulations., (b) At the beginning of each meeting, a portion or portions of which is closed to public observation under expedited procedures pursuant to this section, a recorded vote of the members present will be taken to determine whether a majority of the members of the agency votes to close such meeting of portions of such meeting to public observation. , (c) A copy of the vote, reflecting the vote of each member, and except to the extent such information is determined to be exempt from disclosure under \u00a7 261b.5, a public announcement of the time, place and subject matter of the meeting or each closed portion thereof, will be made available at the earliest practicable time at the Board's Public Affairs Office and Freedom of Information Office.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["261b"],"part_title":["PART 261b - RULES REGARDING PUBLIC OBSERVATION OF MEETINGS"],"section":["261b.7"],"section_title":["\u00a7 261b.7 Meetings closed to public observation under expedited procedures."]},"_input_hash":-1222151939,"_task_hash":259610803,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849523,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Collection of margin. A covered swap entity shall collect initial margin with respect to any non-cleared swap or non-cleared security-based swap from a counterparty that is a financial end user with material swaps exposure or that is a swap entity in an amount that is no less than the greater of:, (1) Zero; or, (2) The initial margin collection amount for such non-cleared swap or non-cleared security-based swap less the initial margin threshold amount (not including any portion of the initial margin threshold amount already applied by the covered swap entity or its affiliates to other non-cleared swaps or non-cleared security-based swaps with the counterparty or its affiliates), as applicable., (b) Posting of margin. A covered swap entity shall post initial margin with respect to any non-cleared swap or non-cleared security-based swap to a counterparty that is a financial end user with material swaps exposure. Such initial margin shall be in an amount at least as large as the covered swap entity would be required to collect under paragraph (a) of this section if it were in the place of the counterparty., (c) Timing. A covered swap entity shall comply with the initial margin requirements described in paragraphs (a) and (b) of this section on each business day, for a period beginning on or before the business day following the day of execution and ending on the date the non-cleared swap or non-cleared security-based swap terminates or expires., (d) Other counterparties. A covered swap entity is not required to collect or post initial margin with respect to any non-cleared swap or non-cleared security-based swap described in \u00a7 237.1(d). For any other non-cleared swap or non-cleared security-based swap between a covered swap entity and a counterparty that is neither a financial end user with a material swaps exposure nor a swap entity, the covered swap entity shall collect initial margin at such times and in such forms and such amounts (if any), that the covered swap entity determines appropriately addresses the credit risk posed by the counterparty and the risks of such non-cleared swap or non-cleared security-based swap.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["237"],"part_title":["PART 237 - SWAPS MARGIN AND SWAPS PUSH-OUT (REGULATION KK)"],"section":["237.3"],"section_title":["\u00a7 237.3 Initial margin."]},"_input_hash":932236322,"_task_hash":-1838520923,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849541,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Mandatory provisions. Each of the provisions mandatory for all stock issuance plans under this paragraph (a) shall be deemed regulatory requirements. Each Stock Issuance Plan shall contain a complete description of all significant terms of the proposed stock issuance (including the information specified in \u00a7 239.65(f) to the extent known), shall attach and incorporate the proposed form of stock certificate, the proposed stock order form, and any agreements or other documents defining the rights of the stockholders, and shall:, (1) Provide that the stock shall be sold at a total price equal to the estimated pro forma market value of such stock, based upon an independent valuation;, (2) Provide that the aggregate amount of outstanding common stock of the subsidiary holding company owned or controlled by persons other than the subsidiary holding company's mutual holding company parent at the close of the proposed issuance shall be less than fifty percent of the subsidiary holding company's total outstanding common stock (This provision may be omitted if the proposed issuance will be conducted by a subsidiary holding company that was in the stock form when acquired by its mutual holding company parent);, (3) Provide that all employee stock ownership plans or other tax-qualified employee stock benefit plans (collectively, ESOPs) must not encompass, in the aggregate, more than either 4.9 percent of the outstanding shares of the subsidiary holding company's common stock or 4.9 percent of the subsidiary holding company's stockholders' equity at the close of the proposed issuance;, (4) Provide that all ESOPs and management recognition plans (MRPs) must not encompass, in the aggregate, more than either 4.9 percent of the outstanding shares of the subsidiary holding company's common stock or 4.9 percent of the subsidiary holding company's stockholders' equity at the close of the proposed issuance. However, if the subsidiary holding company's tangible capital equals at least ten percent at the time of implementation of the plan, the Board may permit such ESOPs and MRPs to encompass, in the aggregate, up to 5.88 percent of the outstanding common stock or stockholders' equity at the close of the proposed issuance;, (5) Provide that all MRPs must not encompass, in the aggregate, more than either 1.47 percent of the common stock of the subsidiary holding company or 1.47 percent of the subsidiary holding company's stockholders' equity at the close of the proposed issuance. However, if the subsidiary holding company's tangible capital is at least ten percent at the time of implementation of the plan, the Board may permit MRPs to encompass, in the aggregate, up to 1.96 percent of the outstanding shares of the subsidiary holding company's common stock or 1.96 percent of the savings subsidiary holding company's stockholders' equity at the close of the proposed issuance;, (6) Provide that all stock option plans (Option Plans) must not encompass, in the aggregate, more than either 4.9 percent of the subsidiary holding company's outstanding common stock at the close of the proposed issuance or 4.9 percent of the subsidiary holding company's stockholders' equity at the close of the proposed issuance;, (7) Provide that an ESOP, a MRP or an Option Plan modified or adopted no earlier than one year after the close of: the proposed issuance, or any subsequent issuance that is made in substantial conformity with the purchase priorities \u00a7 239.59(a) set forth in subpart E of this part, may exceed the percentage limitations contained in paragraphs (a)(3) through (6) of this section (plan expansion), subject to the following two requirements. First, all common stock awarded in connection with any plan expansion must be acquired for such awards in the secondary market. Second, such acquisitions must begin no earlier than when such plan expansion is permitted to be made;, (8)(i) Provide that the aggregate amount of common stock that may be encompassed under all Option Plans and MRPs, or acquired by all insiders of the subsidiary holding company and subsidiary savings association and associates of insiders of the subsidiary holding company and subsidiary savings association, must not exceed the following percentages of common stock or stockholders' equity of the subsidiary holding company, held by persons other than the subsidiary holding company's mutual holding company parent at the close of the proposed issuance:, (ii) The percentage limitations contained in paragraph 8(i) of this section may be exceeded provided that all stock acquired by insiders and associates of insiders or awarded under all MRPs and Option Plans in excess of those limitations is acquired in the secondary market. If acquired for such awards on the secondary market, such acquisitions must begin no earlier than one year after the close of the proposed issuance or any subsequent issuance that is made in substantial conformity with the purchase priorities set forth in subpart E of this part., (iii) In calculating the number of shares held by insiders and their associates under this provision, shares awarded but not delivered under an ESOP, MRP, or Option Plan that are attributable to such persons shall not be counted as being acquired by such persons., (9) Provide that the amount of common stock that may be encompassed under all Option Plans and MRPs must not exceed, in the aggregate, 25 percent of the outstanding common stock held by persons other than the subsidiary holding company's mutual holding company parent at the close of the proposed issuance;, (10) Provide that the issuance shall be conducted in compliance with, to the extent applicable, the forms required by the Board;, (11) Provide that the sales price of the shares of stock to be sold in the issuance shall be a uniform price determined in accordance with \u00a7 239.24;, (12) Provide that, if at the close of the stock issuance the subsidiary holding company has more than thirty-five shareholders of any class of stock, the subsidiary holding company shall promptly register that class of stock pursuant to the Securities Exchange Act of 1934, as amended (15 U.S.C. 78a-78jj), and undertake not to deregister such stock for a period of three years thereafter;, (13) Provide that, if at the close of the stock issuance the subsidiary holding company has more than one hundred shareholders of any class of stock, the subsidiary holding company shall use its best efforts to:, (i) Encourage and assist a market maker to establish and maintain a market for that class of stock; and, (ii) List that class of stock on a national or regional securities exchange or on the NASDAQ quotation system;, (14) Provide that, for a period of three years following the proposed issuance, no insider of the subsidiary holding company or his or her associates shall purchase, without the prior written approval of the Board, any stock of the subsidiary holding company except from a broker dealer registered with the Securities and Exchange Commission, except that the foregoing restriction shall not apply to:, (i) Negotiated transactions involving more than one percent of the outstanding stock in the class of stock; or, (ii) Purchases of stock made by and held by any tax-qualified or non-tax-qualified employee stock benefit plan of the subsidiary holding company even if such stock is attributable to insiders of the subsidiary holding company and subsidiary savings association or their associates;, (15) Provide that stock purchased by insiders of the subsidiary holding company and subsidiary savings association and their associates in the proposed issuance shall not be sold for a period of at least one year following the date of purchase, except in the case of death of the insider or associate;, (16) Provide that, in connection with stock subject to restriction on sale for a period of time:, (i) Each certificate for such stock shall bear a legend giving appropriate notice of such restriction;, (ii) Appropriate instructions shall be issued to the subsidiary holding company's transfer agent with respect to applicable restrictions on transfer of such stock; and, (iii) Any shares issued as a stock dividend, stock split, or otherwise with respect to any such restricted stock shall be subject to the same restrictions as apply to the restricted stock;, (17) Provide that the subsidiary holding company will not offer or sell any of the stock proposed to be issued to any person whose purchase would be financed by funds loaned, directly or indirectly, to the person by the subsidiary holding company;, (18) Provide that, if necessary, the subsidiary holding company's charter will be amended to authorize issuance of the stock and attach and incorporate by reference the text of any such amendment;, (19) Provide that the expenses incurred in connection with the issuance shall be reasonable;, (20) Provide that the Stock Issuance Plan, if proposed as part of a Reorganization Plan, may be amended or terminated in the same manner as the Reorganization Plan. Otherwise, the Stock Issuance Plan shall provide that it may be substantively amended by the board of directors of the issuing subsidiary holding company as a result of comments from regulatory authorities or otherwise prior to approval of the Plan by the Board, and at any time thereafter with the concurrence of the Board; and that the Stock Issuance Plan may be terminated by the board of directors at any time prior to approval of the Plan by the Board, and at any time thereafter with the concurrence of the Board;, (21) Provide that, unless an extension is granted by the Board, the Stock Issuance Plan shall be terminated if not completed within 90 days of the date of such approval; or, (22) Provide that the subsidiary holding company may make scheduled discretionary contributions to a tax-qualified employee stock benefit plan provided such contributions do not cause the subsidiary holding company to fail to meet any of its regulatory capital requirements., (b) Optional provisions. A Stock Issuance Plan may:, (1) Provide that, in the event the proposed stock issuance is part of a Reorganization Plan, the stock offering may be commenced concurrently with or at any time after the mailing to the members of the reorganizing association and any acquiree association of any proxy statement(s). The offering may be closed before the required membership vote(s), provided the offer and sale of the stock shall be conditioned upon the approval of the Reorganization Plan and Stock Issuance Plan by the members of the reorganizing association and any acquiree association;, (2) Provide that any insignificant residue of stock of the subsidiary holding company not sold in the offering may be sold in such other manner as provided in the Stock Issuance Plan, with the Board's approval;, (3) Provide that the subsidiary holding company may issue and sell, in lieu of shares of its stock, units of securities consisting of stock and long-term warrants or other equity securities, in which event any reference in the provisions of this section and in \u00a7 239.24 to stock shall apply to such units of equity securities unless the context otherwise requires; or, (4) Provide that the subsidiary holding company may reserve shares representing up to ten percent of the proposed offering for issuance in connection with an employee stock benefit plan., (c) Applicability of provisions of \u00a7 239.63(a)(1) to minority stock issuances. Notwithstanding \u00a7 239.24(d), \u00a7 239.63(a)(1)(ii) do not apply to minority stock issuances, because the permissible sizes of ESOPs, MRPs, and Option Plans in minority stock issuances are subject to each of the requirements set forth at paragraphs (a)(3) through (a)(9) of this section. Section 239.63(a)(4) through (a)(14), apply for one year after the subsidiary holding company engages in a minority stock issuance that is conducted in accordance with the purchase priorities set forth in subpart E of this part. In addition to the shareholder vote requirement for Option Plans and MRPs set forth at \u00a7 239.63(a)(1)(vi), any Option Plans and MRPs put to a shareholder vote after a minority stock issuance that is conducted in accordance with the purchase priorities set forth in subpart E of this part must be approved by a majority of the votes cast by stockholders other than the mutual holding company.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["239"],"part_title":["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"],"section":["239.25"],"section_title":["\u00a7 239.25 Contents of Stock Issuance Plans."]},"_input_hash":-1779511708,"_task_hash":-951622210,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849556,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"For purposes of this subpart and subpart C:, (a) The average assessment rate for any assessment period means the aggregate assessment charged all insured depository institutions for that period divided by the aggregate assessment base for that period., (b) Board means the Board of Directors of the FDIC., (c) De facto rule means any transaction in which an insured depository institution assumes substantially all of the deposit liabilities and acquires substantially all of the assets of any other insured depository institution at the time of the transaction., (d) An eligible insured depository institution:, (1) Means an insured depository institution that:, (i) Was in existence on December 31, 1996, and paid a deposit insurance assessment before December 31, 1996; or, (ii) Is a successor to an insured depository institution referred to in paragraph (d)(1)(i) of this section; and, (2) does not include an institution if its insured status has terminated as of or after the effective date of this regulation., (e) Merger means any transaction in which an insured depository institution merges or consolidates with any other insured depository institution. Notwithstanding part 303, subpart D, for purposes of this subpart B and subpart C of this part, merger does not include transactions in which an insured depository institution either directly or indirectly acquires the assets of, or assumes liability to pay any deposits made in, any other insured depository institution, but there is not a legal merger or consolidation of the two insured depository institutions., (f) Resulting institution refers to the acquiring, assuming, or resulting institution in a merger., (g) Successor means a resulting institution or an insured depository institution that acquired part of another insured depository institution's 1996 assessment base ratio under paragraph 327.33(c) of this subpart under the de facto rule.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["327"],"part_title":["PART 327 - ASSESSMENTS"],"section":["327.31"],"section_title":["\u00a7 327.31 Definitions."]},"_input_hash":-1701304068,"_task_hash":-166531851,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849570,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Each Enterprise shall take the results of the stress test conducted under \u00a7 1238.3 into account in making changes, as appropriate, to the Enterprise's capital structure (including the level and composition of capital); its exposures, concentrations, and risk positions; any plans for recovery and resolution; and to improve overall risk management. If an Enterprise is under FHFA conservatorship, any post-assessment actions shall require prior FHFA approval.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - ENTITY REGULATIONS"],"part":["1238"],"part_title":["PART 1238 - STRESS TESTING OF REGULATED ENTITIES"],"section":["1238.6"],"section_title":["\u00a7 1238.6 Post-assessment actions by the Enterprises."]},"_input_hash":1962196399,"_task_hash":-1429034176,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849580,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Applicants. Except where otherwise provided, a non-federally-insured credit union applying to become a member of a Bank shall be treated as an insured depository institution for purposes of determining its eligibility for membership under this part, provided that all of the following requirements have been met:, (1) Notice. Upon receiving from a non-federally-insured credit union an application for membership, a Bank shall promptly notify the applicant in writing that its application will not be deemed complete or be acted upon by the Bank until the applicant has, in addition to satisfying all other generally applicable requirements, complied with paragraph (a)(2) of this section and subsequently provided one of the items listed in paragraph (a)(3) of this section., (2) Request to regulator. After receiving the notice required under paragraph (a)(1) of this section, a non-federally-insured credit union applicant shall send to its appropriate State regulator a written request for a determination that the applicant met all of the eligibility requirements for Federal share insurance as of the date of the request. The applicant shall provide to the Bank a copy of that request simultaneously with its transmittal to the regulator., (3) Completion of application. A Bank may deem the application of a non-federally-insured credit union to be complete and may act upon the application, as provided under \u00a7 1263.3(c), only if it has received from the applicant one of the following items:, (i) A written statement from the applicant's appropriate State regulator that the applicant met all of the eligibility requirements for Federal share insurance as of the date of the request sent pursuant to paragraph (a)(2) of this section;, (ii) A written statement from the applicant's appropriate State regulator that it cannot or will not make a determination regarding the applicant's eligibility for Federal share insurance; or, (iii) A written statement from the applicant, prepared no earlier than the end of the six-month period beginning on the date of the request sent pursuant to paragraph (a)(2) of this section, certifying that the applicant did not receive from its appropriate State regulator within that six-month period either a response as described in paragraph (a)(3)(i) or (ii) of this section or a response stating that the applicant did not meet all of the eligibility requirements for Federal share insurance as of the date of the request sent pursuant to paragraph (a)(2) of this section., (b) Members canceling Federal share insurance. A Bank member that is a federally insured credit union and that subsequently cancels its Federal share insurance may remain a member of the Bank, subject to all regulatory provisions applicable to insured depository institution members, provided that the Bank has determined that the institution has canceled its Federal share insurance voluntarily.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1263"],"part_title":["PART 1263 - MEMBERS OF THE BANKS"],"section":["1263.19"],"section_title":["\u00a7 1263.19 Non-federally-insured credit unions."]},"_input_hash":-1428652195,"_task_hash":1150694535,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849624,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Requirements. No subsidiary holding company of a mutual holding company may issue stock to persons other than its mutual holding company parent in connection with a mutual holding company reorganization, or at any time subsequent to the subsidiary holding company's acquisition by the mutual holding company, unless the subsidiary holding company obtains advance approval of each such issuance from the Board. Approval of a mutual holding company reorganization filed pursuant to \u00a7 239.3(a) shall be deemed to constitute approval of any stock issuance specifically applied for pursuant to this section in connection with the reorganization, unless otherwise specified by the Board. The Board shall approve any proposed issuance that meets each of the criteria set forth below in paragraphs (a)(1) through (a)(7) of this section., (1) The proposed issuance is to be made pursuant to a Stock Issuance Plan that contains all the provisions required by \u00a7 239.25., (2) The Stock Issuance Plan is consistent with the terms of the subsidiary holding company's charter (or any proposed amendments thereto), including terms governing the type and amount of stock that may be issued., (3) The Stock Issuance Plan would provide the subsidiary holding company, its mutual holding company parent, and any subsidiary savings associations of the subsidiary holding company with fully sufficient capital and would not be inequitable or detrimental to the subsidiary holding company or its mutual holding company parent or to members of the mutual holding company parent., (4) The proposed price or price range of the stock to be issued is reasonable. The Board shall review the reasonableness of the proposed price or price range., (5) The aggregate amount of outstanding common stock of the subsidiary holding company owned or controlled by persons other than the subsidiary holding company's mutual holding company parent at the close of the proposed issuance shall be less than 50 percent of the subsidiary holding company's total outstanding common stock, unless the subsidiary holding company was a stock holding company when acquired by the mutual holding company, in which case the foregoing restriction shall not apply. Any amount of preferred stock may be issued by any subsidiary holding company of a mutual holding company to persons other than the subsidiary holding company's mutual holding company, consistent with any other applicable laws and regulations., (6) The subsidiary holding company furnishes the information required by the Board in connection with the proposed issuance., (7) The proposed stock issuance meets the convenience and needs standard of \u00a7 239.55(g)., (8) The proposed issuance complies with all other applicable laws and regulations., (9) Unless otherwise determined by the Board, the limitations on the minimum and maximum amounts of the estimated price range required by \u00a7 239.59(c) shall apply., (b) Related approvals. Approval by the Board of any stock issuance pursuant to this section shall also be deemed to constitute:, (1) Approval of the form of stock certificate proposed to be utilized in connection with the stock issuance, provided such form was included in the application materials filed pursuant to this section; and, (2) Approval of any charter or bylaw amendment required to authorize issuance of the stock, provided such amendment was proposed in the application materials filed pursuant to this section., (c) Offering restrictions. (1) No representations may be made in any manner in connection with the offer or sale of any stock issued pursuant to this section that the price, price range or any other pricing information related to such stock issuance has been approved by the Board or that the stock has been approved or disapproved by the Board or that the Board has endorsed the accuracy or adequacy of any securities offering documents disseminated in connection with such stock., (2) The sale of minority stock of the subsidiary holding company to be made under the minority stock issuance plan, including any sale in a public offering or direct community marketing, shall be completed as promptly as possible and within 45 calendar days after the last day of the subscription period, unless extended by the Board., (3) In the offer, sale, or purchase of stock issued pursuant to this section, no person shall:, (i) Employ any device, scheme, or artifice to defraud;, (ii) Make any untrue statement of a material fact or omit to state a material fact necessary in order to make the statements made, in the light of the circumstances under which they were made, not misleading; or, (iii) Engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon a purchaser or seller., (4) Prior to the completion of a stock issuance pursuant to this section, no person shall transfer, or enter into any agreement or understanding to transfer, the legal or beneficial ownership of the stock to be issued to any other person., (5) Prior to the completion of a stock issuance pursuant to this section, no person shall make any offer, or any announcement of any offer, to purchase any stock to be issued, or knowingly acquire any stock in the issuance, in excess of the maximum purchase limitations established in the Stock Issuance Plan., (6) All stock issuances pursuant to this section must:, (i) Comply with \u00a7 239.59 and, to the extent applicable, the form or forms specified by the Board; and, (ii) Provide that the offering be structured in a manner similar to a standard conversion under subpart E of this part, including the stock purchase priorities accorded members of the issuing subsidiary holding company's mutual holding company, unless the subsidiary holding company would qualify for a supervisory conversion if it were to undertake a conversion under subpart E of this part; or demonstrates to the satisfaction of the Board that a non-conforming issuance would be more beneficial to the savings association and subsidiary holding company compared to a conforming offering, considering, in the aggregate, the effect of each on the savings association and subsidiary holding company's financial and managerial resources and future prospects, the effect of the issuance upon the savings association and subsidiary holding company, the insurance risk to the Deposit Insurance Fund, and the convenience and needs of the community to be served., (7) Notwithstanding the restrictions in paragraph (c)(6)(ii) of this section, a subsidiary holding company of a mutual holding company may issue stock as part of a stock benefit plan to any insider, associate of an insider, or tax qualified or non-tax qualified employee stock benefit plan of the mutual holding company or subsidiary of the mutual holding company without including the purchase priorities of subpart E of this part., (8) As part of a reorganization, a reasonable amount of shares or proceeds may be contributed to a charitable organization that complies with \u00a7\u00a7 239.64(b) to 239.64(f), provided such contribution does not result in any taxes on excess business holdings under section 4943 of the Internal Revenue Code (26 U.S.C. 4943)., (d) Procedural and substantive requirements. The procedural and substantive requirements of subpart E of this part shall apply to all mutual holding company stock issuances and subsidiary holding company stock issuances under this section, unless clearly inapplicable, as determined by the Board. For purposes of this paragraph, the term conversion as it appears in the provisions of subpart E of this part shall refer to the stock issuance, and the term mutual holding company shall refer to the subsidiary holding company undertaking the stock issuance.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["239"],"part_title":["PART 239 - MUTUAL HOLDING COMPANIES (REGULATION MM)"],"section":["239.24"],"section_title":["\u00a7 239.24 Issuances of stock by subsidiary holding companies of mutual holding companies."]},"_input_hash":-770003131,"_task_hash":-424892971,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849639,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"The Director may, at any time during the pendency of a proceeding, perform, direct the performance of, or waive performance of any act that could be done or ordered by the presiding officer.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1209"],"part_title":["PART 1209 - RULES OF PRACTICE AND PROCEDURE"],"section":["1209.10"],"section_title":["\u00a7 1209.10 Authority of the Director."]},"_input_hash":-237148478,"_task_hash":-189246584,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849653,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Determination and notice. After the Enterprise has submitted its response under \u00a7 1777.25 or the response period (as extended or shortened, if applicable) has expired, whichever occurs first, OFHEO will determine, in its discretion, whether to take into consideration such relevant information as is provided by the Enterprise in its response, if any, under \u00a7 1777.25. OFHEO will provide the Enterprise with a written final notice of any order issued by OFHEO under this subpart, which is to include a description of the basis for OFHEO's determination., (b) Termination or modification. An Enterprise that has received an order under paragraph (a) of this section remains subject to each provision of the order until each such provision terminates under the express terms of the order. The Enterprise may submit a written request to OFHEO seeking modification or termination of one or more provisions of the order. Pending OFHEO's review and approval, in OFHEO's discretion of the Enterprise's request, the Enterprise shall remain subject to the provisions of the order., (c) Enforcement of order - (1) Judicial enforcement. An order issued under paragraph (a) of this section is an order for purposes of section 1375 of the 1992 Act (12 U.S.C. 4635). An Enterprise in any capital classification may be subject to enforcement of such order in the United States District Court for the District of Columbia pursuant to such section., (2) Administrative enforcement. An order issued under paragraph (a) of this section constitutes an order under the 1992 Act. An Enterprise, regardless of its capital classification, as well as its executive officers and directors may be subject to action by OFHEO under sections 1371, 1372, and 1376 of the 1992 Act (12 U.S.C. 4631, 4632, and 4636) and 12 CFR part 1780 for failure to comply with such order.","meta":{"chapter":["XVII"],"chapter_title":["CHAPTER XVII - OFFICE OF FEDERAL HOUSING ENTERPRISE OVERSIGHT, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT"],"subchapter":["C"],"subchapter_title":["SUBCHAPTER C - SAFETY AND SOUNDNESS"],"part":["1777"],"part_title":["PART 1777 - PROMPT CORRECTIVE ACTION"],"section":["1777.26"],"section_title":["\u00a7 1777.26 Final notice of order."]},"_input_hash":-854485367,"_task_hash":-208873488,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849685,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Debarment. If the final order against the respondent is for debarment, the individual will not thereafter be permitted to practice before the Board unless otherwise permitted to do so by the Board pursuant to \u00a7 263.99 of this subpart., (b) Suspension. If the final order against the respondent is for suspension, the individual will not thereafter be permitted to practice before the Board during the period of suspension., (c) Censure. If the final order against the respondent is for censure, the individual may be permitted to practice before the Board, but such individual's future representations may be subject to conditions designed to promote high standards of conduct. If a written letter of censure is issued, a copy will be maintained in the Board's files., (d) Notice of debarment or suspension. Upon the issuance of a final order for suspension or debarment, the Board shall give notice of the order to appropriate officers and employees of the Board, to interested departments and agencies of the Federal Government, and to the appropriate authorities of the State in which any debarred or suspended individual is or was licensed to practice.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["263"],"part_title":["PART 263 - RULES OF PRACTICE FOR HEARINGS"],"section":["263.98"],"section_title":["\u00a7 263.98 Effect of suspension, debarment or censure."]},"_input_hash":375302208,"_task_hash":1605239597,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849704,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"It is the policy of the FDIC that minorities and women, and businesses owned by them have the maximum practicable opportunity to participate in contracts awarded by the FDIC. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["361"],"part_title":["PART 361 - MINORITY AND WOMEN OUTREACH PROGRAM CONTRACTING"],"section":["361.2"],"section_title":["\u00a7 361.2 Why does the FDIC have this outreach program?"]},"_input_hash":927840842,"_task_hash":-317545160,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849730,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Savings and loan holding company policy and operations. (1) A savings and loan holding company shall serve as a source of financial and managerial strength to its subsidiary savings associations and shall not conduct its operations in an unsafe or unsound manner., (2) Whenever the Board believes an activity of a savings and loan holding company or control of a nonbank subsidiary (other than a nonbank subsidiary of a savings association) constitutes a serious risk to the financial safety, soundness, or stability of a subsidiary savings association of the savings and loan holding company and is inconsistent with sound banking principles or the purposes of HOLA or the Financial Institutions Supervisory Act of 1966, as amended (12 U.S.C. 1818(b) et seq.), the Board may require the savings and loan holding company to terminate the activity or to terminate control of the subsidiary, as provided in section 10(g)(5) of the HOLA., (b) The Board's Small Bank Holding Company Policy Statement (12 CFR part 225, appendix C) (Policy Statement) applies to savings and loan holding companies as if they were bank holding companies. To qualify or rely on the Policy Statement, savings and loan holding companies must meet all qualifying requirements in the Policy Statement as if they were a bank holding company. For purposes of applying the Policy Statement, the term \u201cnonbank subsidiary\u201d as used in the Policy Statement refers to a subsidiary of a savings and loan holding company other than a savings association or a subsidiary of a savings association., (c) The Board may exclude any savings and loan holding company, regardless of asset size, from the Policy Statement under paragraph (b) of this section if the Board determines that such action is warranted for supervisory purposes.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["238"],"part_title":["PART 238 - SAVINGS AND LOAN HOLDING COMPANIES (REGULATION LL)"],"section":["238.8"],"section_title":["\u00a7 238.8 Safe and sound operations, and Small Bank Holding Company Policy Statement."]},"_input_hash":-1814355054,"_task_hash":-637755299,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849752,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"For the purpose of this part, the following definitions apply:, (a) Voluntary liquidation means the dissolution of a solvent Federal credit union with the assets being sold or collected, liabilities paid, and shares distributed under the direction of the board of directors or its duly appointed liquidating agent., (b) Liquidation date means the date the members vote to approve liquidation., (c) Liquidating agent means the person or persons, including any legally recognized entity, appointed by the board of directors to liquidate the Federal credit union.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["710"],"part_title":["PART 710 - VOLUNTARY LIQUIDATION"],"section":["710.1"],"section_title":["\u00a7 710.1 Definitions."]},"_input_hash":1208768905,"_task_hash":-1383256919,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849774,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"A financial institution is not entitled to reimbursement under this subpart for costs incurred in assembling or providing financial records or information related to: , (a) Security interests, bankruptcy claims, debt collection. Any financial records provided as an incident to perfecting a security interest, proving a claim in bankruptcy, or otherwise collecting on a debt owing either to the financial institution itself or in its role as a fiduciary. , (b) Government loan programs. Financial records that are necessary to permit the appropriate government authority to carry out its responsibilities under a government loan, loan guaranty or loan insurance program. , (c) Nonidentifiable information. Financial records that are not identified with or identifiable as being derived from the financial records of a particular customer. , (d) Financial supervisory agencies. Financial records disclosed to a financial supervisory agency in the exercise of its supervisory, regulatory, or monetary functions with respect to a financial institution. , (e) Internal Revenue summons. Financial records disclosed in accordance with procedures authorized by the Internal Revenue Code. , (f) Federally required reports. Financial records required to be reported in accordance with any federal statute or rule promulgated thereunder. , (g) Government civil or criminal litigation. Financial records sought by a government authority under the Federal Rules of Civil or Criminal Procedure or comparable rules of other courts in connection with litigation to which the government authority and the customer are parties. , (h) Administrative agency subpoenas. Financial records sought by a government authority pursuant to an administrative subpoena issued by an administrative law judge in an adjudicatory proceeding subject to 5 U.S.C. 554, and to which the government authority and the customer are parties. , (i) Investigation of financial institution or its noncustomer. Financial records sought by a government authority in connection with a lawful proceeding, investigation, examination, or inspection directed at the financial institution in possession of such records, or at an entity that is not a customer as defined in \u00a7 219.2 of this part. , (j) General Accounting Office requests. Financial records sought by the General Accounting Office pursuant to an authorized proceeding, investigation, examination, or audit directed at a government authority. , (k) Federal Housing Finance Board requests. Financial records or information sought by the Federal Housing Finance Board (FHFB) or any of the Federal home loan banks in the exercise of the FHFB's authority to extend credit to financial institutions or others. , (l) Department of Veterans Affairs. The disclosure of the name and address of any customer to the Department of Veterans Affairs where such disclosure is necessary to, and used solely for, the proper administration of benefits programs under laws administered by that Department. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["219"],"part_title":["PART 219 - REIMBURSEMENT FOR PROVIDING FINANCIAL RECORDS; RECORDKEEPING REQUIREMENTS FOR CERTAIN FINANCIAL RECORDS (REGULATION S)"],"section":["219.4"],"section_title":["\u00a7 219.4 Exceptions."]},"_input_hash":615387695,"_task_hash":-1218133229,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849789,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Adoption and review of member products policy - (1) Adoption. Each Bank's board of directors shall have in effect at all times a policy that addresses the Bank's management of products offered by the Bank to members and housing associates, including but not limited to advances, standby letters of credit, and acquired member assets, consistent with the requirements of the Bank Act, paragraph (b) of this section, and all applicable FHFA regulations and policies., (2) Review and compliance. Each Bank's board of directors shall:, (i) Review the Bank's member products policy annually;, (ii) Amend the member products policy as appropriate; and, (iii) Re-adopt the member products policy, including interim amendments, not less often than every three years., (b) Member products policy requirements. In addition to meeting any other requirements set forth in this chapter, each Bank's member products policy shall:, (1) Address credit underwriting criteria to be applied in evaluating applications for advances, standby letters of credit, and renewals;, (2) Address appropriate levels of collateralization, valuation of collateral and discounts applied to collateral values for advances and standby letters of credit;, (3) Address advances-related fees to be charged by each Bank, including any schedules or formulas pertaining to such fees;, (4) Address standards and criteria for pricing member products, including differential pricing of advances pursuant to \u00a7 1266.5(b)(2) of this chapter, and criteria regarding the pricing of standby letters of credit, including any special pricing provisions for standby letters of credit that facilitate the financing of projects that are eligible for any of the Banks' CICA programs under part 1292 of this chapter;, (5) Provide that, for any draw made by a beneficiary under a standby letter of credit, the member will be charged a processing fee calculated in accordance with the requirements of \u00a7 1271.6(b) of this chapter;, (6) Address the maintenance of appropriate systems, procedures, and internal controls; and, (7) Address the maintenance of appropriate operational and personnel capacity.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - ENTITY REGULATIONS"],"part":["1239"],"part_title":["PART 1239 - RESPONSIBILITIES OF BOARDS OF DIRECTORS, CORPORATE PRACTICES, AND CORPORATE GOVERNANCE"],"section":["1239.30"],"section_title":["\u00a7 1239.30 Bank member products policy."]},"_input_hash":-167435735,"_task_hash":902977183,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849825,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Limitations prior to account opening and during first year after account opening - (1) General rule. Except as provided in paragraph (a)(2) of this section, the total amount of fees a consumer is required to pay with respect to a credit card account under an open-end (not home-secured) consumer credit plan prior to account opening and during the first year after account opening must not exceed 25 percent of the credit limit in effect when the account is opened. For purposes of this paragraph, an account is considered open no earlier than the date on which the account may first be used by the consumer to engage in transactions., (2) Fees not subject to limitations. Paragraph (a) of this section does not apply to:, (i) Late payment fees, over-the-limit fees, and returned-payment fees; or, (ii) Fees that the consumer is not required to pay with respect to the account., (3) Rule of construction. Paragraph (a) of this section does not authorize the imposition or payment of fees or charges otherwise prohibited by law., (b) Limitations on penalty fees. A card issuer must not impose a fee for violating the terms or other requirements of a credit card account under an open-end (not home-secured) consumer credit plan unless the dollar amount of the fee is consistent with paragraphs (b)(1) and (b)(2) of this section., (1) General rule. Except as provided in paragraph (b)(2) of this section, a card issuer may impose a fee for violating the terms or other requirements of a credit card account under an open-end (not home-secured) consumer credit plan if the dollar amount of the fee is consistent with either paragraph (b)(1)(i) or (b)(1)(ii) of this section., (i) Fees based on costs. A card issuer may impose a fee for violating the terms or other requirements of an account if the card issuer has determined that the dollar amount of the fee represents a reasonable proportion of the total costs incurred by the card issuer as a result of that type of violation. A card issuer must reevaluate this determination at least once every twelve months. If as a result of the reevaluation the card issuer determines that a lower fee represents a reasonable proportion of the total costs incurred by the card issuer as a result of that type of violation, the card issuer must begin imposing the lower fee within 45 days after completing the reevaluation. If as a result of the reevaluation the card issuer determines that a higher fee represents a reasonable proportion of the total costs incurred by the card issuer as a result of that type of violation, the card issuer may begin imposing the higher fee after complying with the notice requirements in \u00a7 226.9., (ii) Safe harbors. A card issuer may impose a fee for violating the terms or other requirements of an account if the dollar amount of the fee does not exceed, as applicable:, (A) $25.00;, (B) $35.00 if the card issuer previously imposed a fee pursuant to paragraph (b)(1)(ii)(A) of this section for a violation of the same type that occurred during the same billing cycle or one of the next six billing cycles; or, (C) Three percent of the delinquent balance on a charge card account that requires payment of outstanding balances in full at the end of each billing cycle if the card issuer has not received the required payment for two or more consecutive billing cycles., (D) The amounts in paragraphs (b)(1)(ii)(A) and (b)(1)(ii)(B) of this section will be adjusted annually by the Board to reflect changes in the Consumer Price Index., (2) Prohibited fees - (i) Fees that exceed dollar amount associated with violation - (A) Generally. A card issuer must not impose a fee for violating the terms or other requirements of a credit card account under an open-end (not home-secured) consumer credit plan that exceeds the dollar amount associated with the violation., (B) No dollar amount associated with violation. A card issuer must not impose a fee for violating the terms or other requirements of a credit card account under an open-end (not home-secured) consumer credit plan when there is no dollar amount associated with the violation. For purposes of paragraph (b)(2)(i) of this section, there is no dollar amount associated with the following violations:, (1) Transactions that the card issuer declines to authorize;, (2) Account inactivity; and, (3) The closure or termination of an account., (ii) Multiple fees based on a single event or transaction. A card issuer must not impose more than one fee for violating the terms or other requirements of a credit card account under an open-end (not home-secured) consumer credit plan based on a single event or transaction. A card issuer may, at its option, comply with this prohibition by imposing no more than one fee for violating the terms or other requirements of an account during a billing cycle.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["226"],"part_title":["PART 226 - TRUTH IN LENDING (REGULATION Z)"],"section":["226.52"],"section_title":["\u00a7 226.52 Limitations on fees."]},"_input_hash":1804124463,"_task_hash":-92306078,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849841,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"This subpart applies to foreign banking organizations with average total consolidated assets of $100 billion or more, but average combined U.S. assets of less than $100 billion.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["252"],"part_title":["PART 252 - ENHANCED PRUDENTIAL STANDARDS (REGULATION YY)"],"section":["252.140"],"section_title":["\u00a7 252.140 Scope."]},"_input_hash":-482442810,"_task_hash":1278106311,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849902,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"For the purposes of this part:, (a) Agency means the Farm Credit Administration., (b) Individual means a citizen of the United States or an alien lawfully admitted for permanent residence;, (c) Maintain includes maintain, collect, use, or disseminate;, (d) Record means any item, collection, or grouping of information about an individual that is maintained by an agency including, but not limited to, that person's education, financial transactions, medical history, and criminal or employment history, and that contains that person's name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or photograph;, (e) Routine use means, with respect to the disclosure of a record, the use of such record for a purpose that is compatible with the purpose for which it was collected;, (f) Statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by 13 U.S.C. 8;, (g) System of records means a group of any records under the control of any agency from which information is retrieved by the name of an individual or by some identifying number, symbol, or other identifying particular assigned to the individual.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ADMINISTRATIVE PROVISIONS"],"part":["603"],"part_title":["PART 603 - PRIVACY ACT REGULATIONS"],"section":["603.305"],"section_title":["\u00a7 603.305 Definitions."]},"_input_hash":-1584618415,"_task_hash":1993014080,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849919,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Adequacy. A member bank's capital, calculated in accordance with part 217, shall be at all times adequate in relation to the character and condition liabilities and other corporate responsibilities. If at any time, in light of all the circumstances, the bank's capital appears inadequate in relation to its assets, liabilities, and responsibilities, the bank shall increase the amount of its capital, within such period as the Board deems reasonable, to an amount which, in the judgment of the Board, shall be adequate. , (b) Standards for evaluating capital adequacy. Standards and measures, by which the Board evaluates the capital adequacy of member banks for risk-based capital purposes and for leverage measurement purposes, are located in part 217 of this chapter. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["208"],"part_title":["PART 208 - MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H)"],"section":["208.4"],"section_title":["\u00a7 208.4 Capital adequacy."]},"_input_hash":817612242,"_task_hash":-1670955234,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849929,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"NCUA may request that monies payable to a debtor from the Civil Service Retirement and Disability Fund be administratively offset to collect debts owed to NCUA by the debtor. NCUA shall provide OPM with a written certification that states the debtor owes the debt, the amount of the debt, and that NCUA has complied with the agency's offset regulations, as well as, the requirements set forth in 31 CFR parts 900 through 904 and OPM's regulations.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AFFECTING THE OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION"],"part":["797"],"part_title":["PART 797 - PROCEDURES FOR DEBT COLLECTION"],"section":["797.15"],"section_title":["\u00a7 797.15 Administrative offset against amounts payable from Civil Service Retirement and Disability Fund."]},"_input_hash":-228748280,"_task_hash":-942730493,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849940,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Except as otherwise defined, the term Farm Credit bank(s) includes Farm Credit Banks, agricultural credit banks, and banks for cooperatives.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["619"],"part_title":["PART 619 - DEFINITIONS"],"section":["619.9140"],"section_title":["\u00a7 619.9140 Farm Credit bank(s)."]},"_input_hash":2049735077,"_task_hash":1577964288,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849952,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"To enter into Derivative transactions under this subpart, a Federal credit union must:, (a) Have an executed Master Services Agreement with a Counterparty. Such agreement must be reviewed by counsel with expertise in similar types of transactions to ensure the agreement reasonably protects the interests of the Federal credit union;, (b) Use only the following Counterparties:, (1) For exchange-traded and cleared Derivatives: Swap Dealers, Introducing Brokers, and/or FCMs that are current registrants of the CFTC; or, (2) For Non-cleared Derivative transactions: Swap Dealers that are current registrants of the CFTC., (c) Utilize contracted Margin requirements with a maximum Margin threshold amount of $250,000; and, (d) For Non-cleared Derivative transactions, accept as eligible collateral, for Margin requirements, only the following: Cash (U.S. dollars), U.S. Treasuries, government-sponsored enterprise debt, U.S. government agency debt, government-sponsored enterprise residential mortgage-backed security pass-through securities, and U.S. government agency residential mortgage-backed security pass-through securities.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["703"],"part_title":["PART 703 - INVESTMENT AND DEPOSIT ACTIVITIES"],"section":["703.104"],"section_title":["\u00a7 703.104 Requirements for Counterparty agreements, collateral and Margining."]},"_input_hash":685902790,"_task_hash":492898262,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849968,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) General rule. An advertisement for a consumer lease may state that a specific lease of property at specific amounts or terms is available only if the lessor usually and customarily leases or will lease the property at those amounts or terms. , (b) Clear and conspicuous standard. Disclosures required by this section shall be made clearly and conspicuously. , (1) Amount due at lease signing or delivery. Except for the statement of a periodic payment, any affirmative or negative reference to a charge that is a part of the disclosure required under paragraph (d)(2)(ii) of this section shall not be more prominent than that disclosure. , (2) Advertisement of a lease rate. If a lessor provides a percentage rate in an advertisement, the rate shall not be more prominent than any of the disclosures in \u00a7 213.4, with the exception of the notice in \u00a7 213.4(s) required to accompany the rate; and the lessor shall not use the term \u201cannual percentage rate,\u201d \u201cannual lease rate,\u201d or equivalent term. , (c) Catalogs or other multipage advertisements; electronic advertisements. A catalog or other multipage advertisement , or an electronic advertisement (such as an advertisement appearing on an Internet Web site), that provides a table or schedule of the required disclosures shall be considered a single advertisement if, for lease terms that appear without all the required disclosures, the advertisement refers to the page or pages on which the table or schedule appears., (d) Advertisement of terms that require additional disclosure - (1) Triggering terms. An advertisement that states any of the following items shall contain the disclosures required by paragraph (d)(2) of this section, except as provided in paragraphs (e) and (f) of this section: , (i) The amount of any payment; or , (ii) A statement of any capitalized cost reduction or other payment (or that no payment is required) prior to or at consummation or by delivery, if delivery occurs after consummation., (2) Additional terms. An advertisement stating any item listed in paragraph (d)(1) of this section shall also state the following items: , (i) That the transaction advertised is a lease; , (ii) The total amount due prior to or at consummation or by delivery, if delivery occurs after consummation; , (iii) The number, amounts, and due dates or periods of scheduled payments under the lease; , (iv) A statement of whether or not a security deposit is required; and , (v) A statement that an extra charge may be imposed at the end of the lease term where the lessee's liability (if any) is based on the difference between the residual value of the leased property and its realized value at the end of the lease term. , (e) Alternative disclosures - merchandise tags. A merchandise tag stating any item listed in paragraph (d)(1) of this section may comply with paragraph (d)(2) of this section by referring to a sign or display prominently posted in the lessor's place of business that contains a table or schedule of the required disclosures. , (f) Alternative disclosures - television or radio advertisements - (1) Toll-free number or print advertisement. An advertisement made through television or radio stating any item listed in paragraph (d)(1) of this section complies with paragraph (d)(2) of this section if the advertisement states the items listed in paragraphs (d)(2)(i) through (iii) of this section, and: , (i) Lists a toll-free telephone number along with a reference that such number may be used by consumers to obtain the information required by paragraph (d)(2) of this section; or , (ii) Directs the consumer to a written advertisement in a publication of general circulation in the community served by the media station, including the name and the date of the publication, with a statement that information required by paragraph (d)(2) of this section is included in the advertisement. The written advertisement shall be published beginning at least three days before and ending at least ten days after the broadcast. , (2) Establishment of toll-free number. (i) The toll-free telephone number shall be available for no fewer than ten days, beginning on the date of the broadcast. , (ii) The lessor shall provide the information required by paragraph (d)(2) of this section orally, or in writing upon request. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["213"],"part_title":["PART 213 - CONSUMER LEASING (REGULATION M)"],"section":["213.7"],"section_title":["\u00a7 213.7 Advertising."]},"_input_hash":520136826,"_task_hash":900900558,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711849983,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Unless otherwise specified, the following definitions apply for purposes of this part:, Affiliate has the same meaning as in section 2(k) of the Bank Holding Company Act (12 U.S.C. 1841(k)) and 12 CFR 225.2(a)., Applicable accounting standards means GAAP, international financial reporting standards, or such other accounting standards that a company uses in the ordinary course of its business in preparing its consolidated financial statements., Average combined U.S. assets means the average of combined U.S. assets for the four most recent calendar quarters or, if the banking organization has not reported combined U.S. assets for each of the four most recent calendar quarters, the combined U.S. assets for the most recent calendar quarter or average of the most recent calendar quarters, as applicable., Average cross-jurisdictional activity means the average of cross-jurisdictional activity for the four most recent calendar quarters or, if the banking organization has not reported cross-jurisdictional activity for each of the four most recent calendar quarters, the cross-jurisdictional activity for the most recent calendar quarter or average of the most recent calendar quarters, as applicable., Average off-balance sheet exposure means the average of off-balance sheet exposure for the four most recent calendar quarters or, if the banking organization has not reported total exposure and total consolidated assets or combined U.S. assets, as applicable, for each of the four most recent calendar quarters, the off-balance sheet exposure for the most recent calendar quarter or average of the most recent calendar quarters, as applicable., Average total consolidated assets means the average of total consolidated assets for the four most recent calendar quarters or, if the banking organization has not reported total consolidated assets for each of the four most recent calendar quarters, the total consolidated assets for the most recent calendar quarter or average of the most recent calendar quarters, as applicable., Average total nonbank assets means the average of total nonbank assets for the four most recent calendar quarters or, if the banking organization has not reported or calculated total nonbank assets for each of the four most recent calendar quarters, the total nonbank assets for the most recent calendar quarter or average of the most recent calendar quarters, as applicable., Average U.S. non-branch assets means the average of U.S. non-branch assets for the four most recent calendar quarters or, if the banking organization has not reported the total consolidated assets of its top-tier U.S. subsidiaries for each of the four most recent calendar quarters, the U.S. non-branch assets for the most recent calendar quarter or average of the most recent calendar quarters, as applicable., Average weighted short-term wholesale funding means the average of weighted short-term wholesale funding for each of the four most recent calendar quarters or, if the banking organization has not reported weighted short-term wholesale funding for each of the four most recent calendar quarters, the weighted short-term wholesale funding for the most recent calendar quarter or average of the most recent calendar quarters, as applicable., Bank holding company has the same meaning as in section 2(a) of the Bank Holding Company Act (12 U.S.C. 1841(a)) and 12 CFR 225.2(c)., Banking organization means:, (1) A bank holding company that is a U.S. bank holding company;, (2) A U.S. intermediate holding company; or, (3) A foreign banking organization., Board means the Board of Governors of the Federal Reserve System., Category II bank holding company means a U.S. bank holding company identified as a Category II banking organization pursuant to \u00a7 252.5., Category II foreign banking organization means a foreign banking organization identified as a Category II banking organization pursuant to \u00a7 252.5., Category II U.S. intermediate holding company means a U.S. intermediate holding company identified as a Category II banking organization pursuant to \u00a7 252.5., Category III bank holding company means a U.S. bank holding company identified as a Category III banking organization pursuant to \u00a7 252.5., Category III foreign banking organization means a foreign banking organization identified as a Category III banking organization pursuant to \u00a7 252.5., Category III U.S. intermediate holding company means a U.S. intermediate holding company identified as a Category III banking organization pursuant to \u00a7 252.5., Category IV bank holding company means a U.S. bank holding company identified as a Category IV banking organization pursuant to \u00a7 252.5., Category IV foreign banking organization means a foreign banking organization identified as a Category IV banking organization pursuant to \u00a7 252.5., Category IV U.S. intermediate holding company means a U.S. intermediate holding company identified as a Category IV banking organization pursuant to \u00a7 252.5., Combined U.S. assets means the sum of the consolidated assets of each top-tier U.S. subsidiary of the foreign banking organization (excluding any section 2(h)(2) company, if applicable) and the total assets of each U.S. branch and U.S. agency of the foreign banking organization, as reported by the foreign banking organization on the FR Y-15 or FR Y-7Q., Combined U.S. operations means:, (1) The U.S. branches and agencies of the foreign banking organization; and, (2) The U.S. subsidiaries of the foreign banking organization (excluding any section 2(h)(2) company, if applicable) and subsidiaries of such U.S. subsidiaries., Company means a corporation, partnership, limited liability company, depository institution, business trust, special purpose entity, association, or similar organization., Control has the same meaning as in section 2(a) of the Bank Holding Company Act (12 U.S.C. 1841(a)), and the terms controlled and controlling shall be construed consistently with the term control., Council means the Financial Stability Oversight Council established by section 111 of the Dodd-Frank Act (12 U.S.C. 5321)., Credit enhancement means a qualified financial contract of the type set forth in section 210(c)(8)(D)(ii)(XII), (iii)(X), (iv)(V), (v)(VI), or (vi)(VI) of Title II of the Dodd-Frank Act (12 U.S.C. 5390(c)(8)(D)(ii)(XII), (iii)(X), (iv)(V), (v)(VI), or (vi)(VI)) or a credit enhancement that the Federal Deposit Insurance Corporation determines by regulation is a qualified financial contract pursuant to section 210(c)(8)(D)(i) of Title II of the Act (12 U.S.C. 5390(c)(8)(D)(i))., Cross-jurisdictional activity. The cross-jurisdictional activity of a banking organization is equal to the cross-jurisdictional activity of the banking organization as reported on the FR Y-15., Depository institution has the same meaning as in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813(c))., DPC branch subsidiary means any subsidiary of a U.S. branch or a U.S. agency acquired, or formed to hold assets acquired, in the ordinary course of business and for the sole purpose of securing or collecting debt previously contracted in good faith by that branch or agency., Foreign banking organization has the same meaning as in 12 CFR 211.21(o), provided that if the top-tier foreign banking organization is incorporated in or organized under the laws of any State, the foreign banking organization shall not be treated as a foreign banking organization for purposes of this part., FR Y-7 means the Annual Report of Foreign Banking Organizations reporting form., FR Y-7Q means the Capital and Asset Report for Foreign Banking Organizations reporting form., FR Y-9C means the Consolidated Financial Statements for Holding Companies reporting form., FR Y-9LP means the Parent Company Only Financial Statements of Large Holding Companies., FR Y-15 means the Systemic Risk Report., Global methodology means the assessment methodology and the higher loss absorbency requirement for global systemically important banks issued by the Basel Committee on Banking Supervision, as updated from time to time., Global systemically important banking organization means a global systemically important bank, as such term is defined in the global methodology., Global systemically important BHC means a bank holding company identified as a global systemically important BHC pursuant to 12 CFR 217.402., Global systemically important foreign banking organization means a top-tier foreign banking organization that is identified as a global systemically important foreign banking organization under \u00a7 252.147(b)(4) or \u00a7 252.153(b)(4) of this part., GAAP means generally accepted accounting principles as used in the United States., Home country, with respect to a foreign banking organization, means the country in which the foreign banking organization is chartered or incorporated., Home country resolution authority, with respect to a foreign banking organization, means the governmental entity or entities that under the laws of the foreign banking organization's home county has responsibility for the resolution of the top-tier foreign banking organization., Home-country supervisor, with respect to a foreign banking organization, means the governmental entity or entities that under the laws of the foreign banking organization's home county has responsibility for the supervision and regulation of the top-tier foreign banking organization., Nonbank financial company supervised by the Board means a company that the Council has determined under section 113 of the Dodd-Frank Act (12 U.S.C. 5323) shall be supervised by the Board and for which such determination is still in effect., Non-U.S. affiliate means any affiliate of a foreign banking organization that is incorporated or organized in a country other than the United States., Off-balance sheet exposure. (1) The off-balance sheet exposure of a U.S. bank holding company or U.S. intermediate holding company is equal to:, (i) The total exposure of such banking organization, as reported by the banking organization on the FR Y-15; minus, (ii) The total consolidated assets of such banking organization for the same calendar quarter., (2) The off-balance sheet exposure of a foreign banking organization is equal to:, (i) The total exposure of the combined U.S. operations of the foreign banking organization, as reported by the foreign banking organization on the FR Y-15; minus, (ii) The combined U.S. assets of the foreign banking organization for the same calendar quarter., Publicly traded means an instrument that is traded on:, (1) Any exchange registered with the U.S. Securities and Exchange Commission as a national securities exchange under section 6 of the Securities Exchange Act of 1934 (15 U.S.C. 78f); or, (2) Any non-U.S.-based securities exchange that:, (i) Is registered with, or approved by, a non-U.S. national securities regulatory authority; and, (ii) Provides a liquid, two-way market for the instrument in question, meaning that there are enough independent bona fide offers to buy and sell so that a sales price reasonably related to the last sales price or current bona fide competitive bid and offer quotations can be determined promptly and a trade can be settled at such price within a reasonable time period conforming with trade custom., (3) A company can rely on its determination that a particular non-U.S.-based securities exchange provides a liquid two-way market unless the Board determines that the exchange does not provide a liquid two-way market., Section 2(h)(2) company has the same meaning as in section 2(h)(2) of the Bank Holding Company Act (12 U.S.C. 1841(h)(2))., State means any state, commonwealth, territory, or possession of the United States, the District of Columbia, the Commonwealth of Puerto Rico, the Commonwealth of the Northern Mariana Islands, American Samoa, Guam, or the United States Virgin Islands., State member bank has the same meaning as in 12 CFR 208.2(g)., Subsidiary has the same meaning as in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813)., Top-tier foreign banking organization, with respect to a foreign bank, means the top-tier foreign banking organization or, alternatively, a subsidiary of the top-tier foreign banking organization designated by the Board., Total consolidated assets. (1) Total consolidated assets of a U.S. bank holding company or a U.S. intermediate holding company is equal to the total consolidated assets of such banking organization calculated based on the average of the balances as of the close of business for each day for the calendar quarter or an average of the balances as of the close of business on each Wednesday during the calendar quarter, as reported on the FR Y-9C., (2) Total consolidated assets of a foreign banking organization is equal to the total consolidated assets of the foreign banking organization, as reported on the FR Y-7Q., (3) Total consolidated assets of a state member bank is equal to the total consolidated assets as reported by a state member bank on its Consolidated Report of Condition and Income (Call Report)., Total nonbank assets. (1) Total nonbank assets of a U.S. bank holding company or U.S. intermediate holding company is equal to the total nonbank assets of such banking organization, as reported on the FR Y-9LP., (2) Total nonbank assets of a foreign banking organization is equal to:, (i) The sum of the total nonbank assets of any U.S. intermediate holding company, if any, as reported on the FR Y-9LP; plus, (ii) The assets of the foreign banking organization's nonbank U.S. subsidiaries excluding the U.S. intermediate holding company, if any; plus, (iii) The sum of the foreign banking organization's equity investments in unconsolidated U.S. subsidiaries, excluding equity investments in any section 2(h)(2) company; minus, (iv) The assets of any section 2(h)(2) company., U.S. agency has the same meaning as the term \u201cagency\u201d in \u00a7 211.21(b) of this chapter., U.S. bank holding company means a bank holding company that is:, (1) Incorporated in or organized under the laws of the United States or any State; and, (2) Not a consolidated subsidiary of a bank holding company that is incorporated in or organized under the laws of the United States or any State., U.S. branch has the same meaning as the term \u201cbranch\u201d in \u00a7 211.21(e) of this chapter., U.S. branches and agencies means the U.S. branches and U.S. agencies of a foreign banking organization., U.S. government agency means an agency or instrumentality of the United States whose obligations are fully and explicitly guaranteed as to the timely payment of principal and interest by the full faith and credit of the United States., U.S. government-sponsored enterprise means an entity originally established or chartered by the U.S. government to serve public purposes specified by the U.S. Congress, but whose obligations are not explicitly guaranteed by the full faith and credit of the United States., U.S. intermediate holding company means a top-tier U.S. company that is required to be established pursuant to \u00a7 252.147 or \u00a7 252.153., U.S. non-branch assets. U.S. non-branch assets are equal to the sum of the consolidated assets of each top-tier U.S. subsidiary of the foreign banking organization (excluding any section 2(h)(2) company and DPC branch subsidiary, if applicable) as reported on the FR Y-7Q. In calculating U.S. non-branch assets, a foreign banking organization must reduce its U.S. non-branch assets by the amount corresponding to balances and transactions between a top-tier U.S. subsidiary and any other top-tier U.S. subsidiary (excluding any 2(h)(2) company or DPC branch subsidiary) to the extent such items are not already eliminated in consolidation., U.S. subsidiary means any subsidiary that is incorporated in or organized under the laws of the United States or any State, commonwealth, territory, or possession of the United States, the Commonwealth of Puerto Rico, the Commonwealth of the North Mariana Islands, American Samoa, Guam, or the United States Virgin Islands., Weighted short-term wholesale funding is equal to the weighted short-term wholesale funding of a banking organization, as reported on the FR Y-15.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["252"],"part_title":["PART 252 - ENHANCED PRUDENTIAL STANDARDS (REGULATION YY)"],"section":["252.2"],"section_title":["\u00a7 252.2 Definitions."]},"_input_hash":-388234120,"_task_hash":-865250723,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711850003,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Limits on credit exposure. (1) The policies and procedures on exposure established by a bank under \u00a7 206.3(c) of this part shall limit a bank's interday credit exposure to an individual correspondent to not more than 25 percent of the bank's total capital, unless the bank can demonstrate that its correspondent is at least adequately capitalized, as defined in \u00a7 206.5(a) of this part., (2) Where a bank is no longer able to demonstrate that a correspondent is at least adequately capitalized for the purposes of \u00a7 206.4(a) of this part, including where the bank cannot obtain adequate information concerning the capital ratios of the correspondent, the bank shall reduce its credit exposure to comply with the requirements of \u00a7 206.4(a)(1) of this part within 120 days after the date when the current Report of Condition and Income or other relevant report normally would be available., (b) Calculation of credit exposure. Except as provided in \u00a7\u00a7 206.4 (c) and (d) of this part, the credit exposure of a bank to a correspondent shall consist of the bank's assets and off-balance sheet items that are subject to capital requirements under the capital adequacy guidelines of the bank's primary federal supervisor, and that involve claims on the correspondent or capital instruments issued by the correspondent. For this purpose, off-balance sheet items shall be valued on the basis of current exposure. The term \u201ccredit exposure\u201d does not include exposure related to the settlement of transactions, intraday exposure, transactions in an agency or similar capacity where losses will be passed back to the principal or other party, or other sources of exposure that are not covered by the capital adequacy guidelines., (c) Netting. Transactions covered by netting agreements that are valid and enforceable under all applicable laws may be netted in calculating credit exposure., (d) Exclusions. A bank may exclude the following from the calculation of credit exposure to a correspondent:, (1) Transactions, including reverse repurchase agreements, to the extent that the transactions are secured by government securities or readily marketable collateral, as defined in paragraph (f) of this section, based on the current market value of the collateral;, (2) The proceeds of checks and other cash items deposited in an account at a correspondent that are not yet available for withdrawal;, (3) Quality assets, as defined in paragraph (f) of this section, on which the correspondent is secondarily liable, or obligations of the correspondent on which a creditworthy obligor in addition to the correspondent is available, including but not limited to:, (i) Loans to third parties secured by stock or debt obligations of the correspondent;, (ii) Loans to third parties purchased from the correspondent with recourse;, (iii) Loans or obligations of third parties backed by stand-by letters of credit issued by the correspondent; or, (iv) Obligations of the correspondent backed by stand-by letters of credit issued by a creditworthy third party;, (4) exposure that results from the merger with or acquisition of another bank for one year after that merger or acquisition is consummated; and, (5) The portion of the bank's exposure to the correspondent that is covered by federal deposit insurance., (e) Credit exposure of subsidiaries. In calculating credit exposure to a correspondent under this part, a bank shall include credit exposure to the correspondent of any entity that the bank is required to consolidate on its Report of Condition and Income or Thrift Financial Report., (f) Definitions. As used in this section: , (1) Government securities means obligations of, or obligations fully guaranteed as to principal and interest by, the United States government or any department, agency, bureau, board, commission, or establishment of the United States, or any corporation wholly owned, directly or indirectly, by the United States., (2) Readily marketable collateral means financial instruments or bullion that may be sold in ordinary circumstances with reasonable promptness at a fair market value determined by quotations based on actual transactions on an auction or a similarly available daily bid- ask-price market., (3)(i) Quality asset means an asset:, (A) That is not in a nonaccrual status;, (B) On which principal or interest is not more than thirty days past due; and, (C) Whose terms have not been renegotiated or compromised due to the deteriorating financial conditions of the additional obligor., (ii) An asset is not considered a \u201cquality asset\u201d if any other loans to the primary obligor on the asset have been classified as \u201csubstandard,\u201d \u201cdoubtful,\u201d or \u201closs,\u201d or treated as \u201cother loans specially mentioned\u201d in the most recent report of examination or inspection of the bank or an affiliate prepared by either a federal or a state supervisory agency.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["206"],"part_title":["PART 206 - LIMITATIONS ON INTERBANK LIABILITIES (REGULATION F)"],"section":["206.4"],"section_title":["\u00a7 206.4 Credit exposure."]},"_input_hash":-631457936,"_task_hash":-240407985,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711850052,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Except in the case of a security interest in favor of the United States or a Federal Reserve Bank or otherwise as provided in \u00a7 1511.4(c)(1), for the purposes of this part 1511, the Funding Corporation and the Federal Reserve Banks shall treat the Participant to whose Securities Account an interest in a Book-entry Funding Corporation Security has been credited as the Person exclusively entitled to issue a Transfer Message, to receive interest and other payments with respect thereof and otherwise to exercise all the rights and powers with respect to such Security, notwithstanding any information or notice to the contrary. Neither the Federal Reserve Banks nor the Funding Corporation is liable to a Person asserting or having an Adverse Claim to a Security Entitlement or to a Book-entry Funding Corporation Security in a Participant's Securities Account, including any such claim arising as a result of the transfer or disposition of a Book-entry Funding Corporation Security by a Federal Reserve Bank pursuant to a Transfer Message that the Federal Reserve Bank reasonably believes to be genuine. , (b) The obligation of the Funding Corporation to make payments of interest and principal with respect to Book-entry Funding Corporation Securities is discharged at the time payment in the appropriate amount is made as follows: , (1) Interest on Book-entry Funding Corporation Securities is either credited by a Federal Reserve Bank to a Funds Account maintained at such Bank or otherwise paid as directed by the Participant. , (2) Book-entry Funding Corporation Securities are redeemed in accordance with their terms by a Federal Reserve Bank withdrawing the securities from the Participant's Securities Account in which they are maintained and by either crediting the amount of the redemption proceeds, including both principal and interest where applicable, to a Funds Account at such Bank or otherwise paying such principal and interest, as directed by the Participant. The principal of such Securities shall be paid using the proceeds of the noninterest bearing instruments maintained by the Funding Corporation for such purpose. ","meta":{"chapter":["XV"],"chapter_title":["CHAPTER XV - DEPARTMENT OF THE TREASURY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - RESOLUTION FUNDING CORPORATION"],"part":["1511"],"part_title":["PART 1511 - BOOK-ENTRY PROCEDURE"],"section":["1511.5"],"section_title":["\u00a7 1511.5 Obligations of Funding Corporation; no adverse claims."]},"_input_hash":-705425656,"_task_hash":-2127514432,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711850088,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) In general. No Enterprise shall re-direct or pass through the cost of any allocation to the Housing Trust Fund or the Capital Magnet Fund required pursuant to section 1337(a) of the Safety and Soundness Act, 12 U.S.C. 4567(a), through increased charges or fees, or decreased premiums, or in any other manner, to the originators of mortgages purchased or securitized by the Enterprise., (b) Enforcement. Compliance by each Enterprise with the foregoing prohibition shall be enforced under subpart 3 of part B of the Safety and Soundness Act, 12 U.S.C. 4581-89.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["C"],"subchapter_title":["SUBCHAPTER C - ENTERPRISES"],"part":["1251"],"part_title":["PART 1251 - CONTRIBUTIONS TO THE HOUSING TRUST AND CAPITAL MAGNET FUNDS"],"section":["1251.3"],"section_title":["\u00a7 1251.3 Prohibition on pass-through of cost of allocation; enforcement."]},"_input_hash":1442087256,"_task_hash":-1001940037,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711850100,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"The commencement of proceedings for judicial review of a final decision and order of the NCUA Board may not, unless specifically ordered by the NCUA Board or a reviewing court, operate as a stay of any order issued by the NCUA Board. The NCUA Board may, in its discretion, and on such terms as it finds just, stay the effectiveness of all or any part of its order pending a final decision on a petition for review of that order. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["747"],"part_title":["PART 747 - ADMINISTRATIVE ACTIONS, ADJUDICATIVE HEARINGS, RULES OF PRACTICE AND PROCEDURE, AND INVESTIGATIONS"],"section":["747.41"],"section_title":["\u00a7 747.41 Stays pending judicial review."]},"_input_hash":-418519756,"_task_hash":-164208068,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711850111,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"An institution may not permit any person to sell or offer for sale any insurance product or annuity in any part of its office or on its behalf, unless the person is at all times appropriately qualified and licensed under applicable State insurance licensing standards with regard to the specific products being sold or recommended.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["343"],"part_title":["PART 343 - CONSUMER PROTECTION IN SALES OF INSURANCE"],"section":["343.60"],"section_title":["\u00a7 343.60 Qualification and licensing requirements for insurance sales personnel."]},"_input_hash":-925278572,"_task_hash":479756958,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711850159,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Adoption of commencement resolution. Your board of directors must begin the termination process by adopting a commencement resolution stating your intention to terminate Farm Credit status under section 7.10 of the Act. Immediately after you adopt the commencement resolution, send a certified copy by overnight mail to us and to the Farm Credit System Insurance Corporation (FCSIC). If your institution is an association, also send a copy to your affiliated bank. If your institution is a bank, also send a copy to your affiliated associations, the other Farm Credit banks, and the Federal Farm Credit Banks Funding Corporation (Funding Corporation)., (b) Advance notice. Within 5 business days after adopting the commencement resolution, you must:, (1) Send us copies of all contracts and agreements related to the termination., (2) Subject to paragraph (b)(2)(ii) of this section:, (i) Send an advance notice to all equity holders stating you are taking steps to terminate System status. Immediately upon mailing the notice to equity holders, you must also place it in a prominent location on your Web site. The advance notice must describe the following:, (A) The process of termination;, (B) The expected effect of termination on borrowers and other equity holders, including the effect on borrower rights and the consequences of any stock retirements before termination;, (C) The type of charter the successor institution will have; and, (D) Any bylaw creating a special class of borrower stock and participation certificates under paragraph (f) of this section., (ii) Send us a draft of the advance notice by facsimile or electronic mail before mailing it to your equity holders. If we have not contacted you within 2 business days of our receipt of the draft notice regarding modifications, you may mail the notice to your equity holders., (c) Bank negotiations on joint and several liability. If your institution is a terminating bank, within 10 days of adopting the commencement resolution, your bank and the other Farm Credit banks must begin negotiations to provide for your satisfaction of liabilities (other than your primary liability) under section 4.4 of the Act. The Funding Corporation may, at its option, be a party to the negotiations to the extent necessary to fulfill its duties with respect to financing and disclosure. The agreement must comply with the requirements in \u00a7 611.1270(c)., (d) Disclosure to loan applicants and equity holders after commencement resolution. Between the date your board of directors adopts the commencement resolution and the termination date, you must give the following information to your loan applicants and equity holders:, (1) For each loan applicant who is not a current stockholder, describe at the time of loan application:, (i) The effect of the proposed termination on the prospective loan; and, (ii) Whether, after the proposed termination, the borrower will continue to have any of the borrower rights provided under the Act and regulations., (2) For any equity holders who ask to have their equities retired, explain that the retirement would extinguish the holder's right to exchange those equities for an interest in the successor institution. In addition, inform holders of equities entitled to your residual assets in liquidation that retirement before termination would extinguish their right to dissent from the termination and have their equities retired., (e) Terminating bank's right to continue issuing debt. Through the termination date, a terminating bank may continue to participate in the issuance of consolidated and System-wide obligations to the same extent it would be able to participate if it were not terminating., (f) Special class of stock. Notwithstanding any requirements to the contrary in \u00a7 615.5230(c) of this chapter, you may adopt bylaws providing for the issuance of a special class of stock and participation certificates between the date of adoption of a commencement resolution and the termination date. Your voting stockholders must approve the special class before you adopt the commencement resolution. The equities must comply with section 4.3A of the Act and be identical in all respects to existing classes of equities that are entitled to the residual assets of the institution in a liquidation, except for the value a holder will receive in a termination. In a termination, the holder of the special class of stock receives value equal to the lower of either par (or face) value, or the value calculated under \u00a7 611.1280(c) and (d). A holder must have the same right to vote (if the equity is held on the voting record date) and to dissent as holders of similar equities issued before the commencement resolution. If the termination does not occur, the special classes of stock and participation certificates must automatically convert into shares of the otherwise identical equities.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["611"],"part_title":["PART 611 - ORGANIZATION"],"section":["611.1210"],"section_title":["\u00a7 611.1210 Advance notices - commencement resolution and notice to equity holders."]},"_input_hash":791289157,"_task_hash":513212678,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711850172,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"The Financing Corporation shall file such reports as FHFA shall direct.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1271"],"part_title":["PART 1271 - MISCELLANEOUS FEDERAL HOME LOAN BANK OPERATIONS AND AUTHORITIES"],"section":["1271.38"],"section_title":["\u00a7 1271.38 Reports to FHFA."]},"_input_hash":-529561821,"_task_hash":-1416306751,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853108,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"This section recodifies the requirements from 12 CFR 701.34(b), (c), and (d) that were in effect as of December 31, 2021, with minor modifications. The terminology used in this section is specific to this section. Except as provided in the next sentence, all secondary capital issued under \u00a7 701.34 of this chapter before January 1, 2022, or, in the case of a federally insured, state-chartered credit union, \u00a7 741.204(c) of this chapter, that is referred to elsewhere in this subpart as \u201cGrandfathered Secondary Capital,\u201d is subject to the requirements set forth in this section. Issuances of secondary capital to the U.S. Government or any of its subdivisions, under applications approved before January 1, 2022, pursuant to \u00a7 701.34 or \u00a7 741.204(c) of this chapter, are also considered \u201cGrandfathered Secondary Capital\u201d irrespective of the date of issuance., (a) Secondary capital is subject to the following conditions:, (1) Secondary capital plan. A credit union that has Grandfathered Secondary Capital under this section must have a written, NCUA-approved \u201cSecondary Capital Plan\u201d that, at a minimum:, (i) States the maximum aggregate amount of uninsured secondary capital the LICU plans to accept;, (ii) Identifies the purpose for which the aggregate secondary capital will be used, and how it will be repaid;, (iii) Explains how the LICU will provide for liquidity to repay secondary capital upon maturity of the accounts;, (iv) Demonstrates that the planned uses of secondary capital conform to the LICU's strategic plan, business plan, and budget; and, (v) Includes supporting pro forma financial statements, including any off-balance sheet items, covering a minimum of the next two years., (2) Issuances not completed before January 1, 2022. Except as provided in the next sentence, any issuances of secondary capital not completed by January 1, 2022, are, as of January 1, 2022, subject to the requirements applicable to Subordinated Debt discussed elsewhere in this subpart. Issuances of secondary capital to the U.S. Government or any of its subdivisions, under applications approved before January 1, 2022, pursuant to \u00a7 701.34 or \u00a7 741.204(c) of this chapter, are not subject to the requirements applicable to Subordinated Debt, discussed elsewhere in this subpart, irrespective of the date of issuance., (3) Nonshare account. The secondary capital account is established as an uninsured secondary capital account or other form of non-share account., (4) Minimum maturity. The maturity of the secondary capital account is a minimum of five years., (5) Uninsured account. The secondary capital account is not insured by the National Credit Union Share Insurance Fund or any governmental or private entity., (6) Subordination of claim. The secondary capital account investor's claim against the LICU is subordinate to all other claims including those of shareholders, creditors and the National Credit Union Share Insurance Fund., (7) Availability to cover losses. Funds deposited into a secondary capital account, including interest accrued and paid into the secondary capital account, are available to cover operating losses realized by the LICU that exceed its net available reserves (exclusive of secondary capital and allowance accounts for loan and lease losses), and to the extent funds are so used, the LICU must not restore or replenish the account under any circumstances. The LICU may, in lieu of paying interest into the secondary capital account, pay accrued interest directly to the investor or into a separate account from which the secondary capital investor may make withdrawals. Losses must be distributed pro-rata among all secondary capital accounts held by the LICU at the time the losses are realized. In instances where a LICU accepted secondary capital from the United States Government or any of its subdivisions under the Community Development Capital Initiative of 2010 (\u201cCDCI secondary capital\u201d) and matching funds were required under the Initiative and are on deposit in the form of secondary capital at the time a loss is realized, a LICU must apply either of the following pro-rata loss distribution procedures to its secondary capital accounts with respect to the loss:, (i) If not inconsistent with any agreements governing other secondary capital on deposit at the time a loss is realized, the CDCI secondary capital may be excluded from the calculation of the pro-rata loss distribution until all of its matching secondary capital has been depleted, thereby causing the CDCI secondary capital to be held as senior to all other secondary capital until its matching secondary capital is exhausted. The CDCI secondary capital should be included in the calculation of the pro-rata loss distribution and is available to cover the loss only after all of its matching secondary capital has been depleted., (ii) Regardless of any agreements applicable to other secondary capital, the CDCI secondary capital and its matching secondary capital may be considered a single account for purposes of determining a pro-rata share of the loss and the amount determined as the pro-rata share for the combined account must first be applied to the matching secondary capital account, thereby causing the CDCI secondary capital to be held as senior to its matching secondary capital. The CDCI secondary capital is available to cover the loss only after all of its matching secondary capital has been depleted., (8) Security. The secondary capital account may not be pledged or provided by the account investor as security on a loan or other obligation with the LICU or any other party., (9) Merger or dissolution. In the event of merger or other voluntary dissolution of the LICU, other than merger into another LICU, the secondary capital accounts will be closed and paid out to the account investor to the extent they are not needed to cover losses at the time of merger or dissolution., (10) Contract agreement. A secondary capital account contract agreement must have been executed by an authorized representative of the account investor and of the LICU reflecting the terms and conditions mandated by this section and any other terms and conditions not inconsistent with this section., (11) Disclosure and acknowledgement. An authorized representative of the LICU and of the secondary capital account investor each must have executed a \u201cDisclosure and Acknowledgment\u201d as set forth in the appendix to this subpart at the time of entering into the account agreement. The LICU must retain an original of the account agreement and the \u201cDisclosure and Acknowledgment\u201d for the term of the agreement, and a copy must be provided to the account investor., (12) Prompt corrective action. As provided in this part, the NCUA may prohibit a LICU as classified \u201ccritically undercapitalized\u201d or, if \u201cnew,\u201d as \u201cmoderately capitalized\u201d, \u201cmarginally capitalized\u201d, \u201cminimally capitalized\u201d or \u201cuncapitalized,\u201d as the case may be, from paying principal, dividends, or interest on its uninsured secondary capital accounts established after August 7, 2000, except that unpaid dividends or interest will continue to accrue under the terms of the account to the extent permitted by law., (b) Accounting treatment; Recognition of net worth value of accounts - (1) Debt. A LICU that issued secondary capital accounts pursuant to paragraph (a) of this section must record the funds on its balance sheet as a debt titled \u201cuninsured secondary capital account.\u201d, (2) Schedule for recognizing net worth value. The LICU's reflection of the net worth value of the accounts in its financial statement may never exceed the full balance of the secondary capital on deposit after any early redemptions and losses. For accounts with remaining maturities of less than five years, the LICU must reflect the net worth value of the accounts in its financial statement in accordance with the lesser of:, (i) The remaining balance of the accounts after any redemptions and losses; or, (ii) The amounts calculated based on the following schedule:, Table 1 to Paragraph (b)(2)(ii), (3) Financial statement. The LICU must reflect the full amount of the secondary capital on deposit in a footnote to its financial statement., (c) Redemption of secondary capital. With the written approval of NCUA, secondary capital that is not recognized as net worth under paragraph (b)(2) of this section (\u201cdiscounted secondary capital\u201d re-categorized as Subordinated Debt) may be redeemed according to the remaining maturity schedule in paragraph (c)(3) of this section., (1) Request to redeem secondary capital. A request for approval to redeem discounted secondary capital may be submitted in writing at any time, must specify the increment(s) to be redeemed and the schedule for redeeming all or any part of each eligible increment, and must demonstrate to the satisfaction of NCUA that:, (i) The LICU will have a post-redemption net worth classification of at least \u201cadequately capitalized\u201d under this part;, (ii) The discounted secondary capital has been on deposit at least two years;, (iii) The discounted secondary capital will not be needed to cover losses prior to final maturity of the account;, (iv) The LICU's books and records are current and reconciled;, (v) The proposed redemption will not jeopardize other current sources of funding, if any, to the LICU; and, (vi) The request to redeem is authorized by resolution of the LICU's board of directors., (2) Decision on request. A request to redeem discounted secondary capital may be granted in whole or in part. If a LICU is not notified within 45 days of receipt of a request for approval to redeem secondary capital that its request is either granted or denied, the LICU may proceed to redeem secondary capital accounts as proposed., (3) Schedule for redeeming secondary capital., Table 2 to Paragraph (c)(3), (4) Early redemption exception. Subject to the written approval of NCUA obtained pursuant to the requirements of paragraphs (c)(1) and (2) of this section, a LICU can redeem all or part of secondary capital accepted from the United States Government or any of its subdivisions at any time after the secondary capital has been on deposit for two years. If the secondary capital was accepted under conditions that required matching secondary capital from a source other than the Federal Government, the matching secondary capital may also be redeemed in the manner set forth in the preceding sentence. For purposes of obtaining NCUA's approval, all secondary capital a LICU accepts from the United States Government or any of its subdivisions, as well as its matching secondary capital, if any, is eligible for early redemption regardless of whether any part of the secondary capital has been discounted pursuant to paragraph (b)(2) of this section.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["702"],"part_title":["PART 702 - CAPITAL ADEQUACY"],"section":["702.414"],"section_title":["\u00a7 702.414 Regulations governing Grandfathered Secondary Capital."]},"_input_hash":-1087560243,"_task_hash":-1142230364,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853184,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Form. Credit unions must make the disclosures required by \u00a7\u00a7 707.4 through 707.6 of this part, as applicable, clearly and conspicuously, in writing, and in a form the member or potential member may keep. Credit unions may provide the disclosures required by this part to a member or potential member in electronic form, subject to compliance with the consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act (E-Sign Act), 15 U.S.C. 7001 et seq. Credit unions may provide the disclosures required by \u00a7\u00a7 707.4(a)(2) and 707.8 to a member or potential member in electronic form without regard to the consent or other provisions of the E-Sign Act in the circumstances set forth in those sections. Disclosures for each account offered by a credit union may be presented separately or combined with disclosures for the credit union's other accounts, as long as it is clear which disclosures are applicable to the member or potential member's account., (b) General. The disclosures shall reflect the terms of the legal obligation between the member and the credit union. Disclosures may be made in languages other than English, provided the disclosures are available in English upon request., (c) Relation to Regulation E (12 CFR part 1005). Disclosures required by and provided in accordance with the Electronic Fund Transfer Act (15 U.S.C. 1601) and its implementing Regulation E (12 CFR part 1005) that are also required by this part may be substituted for the disclosures required by this part., (d) Multiple members. If an account is held by more than one member, disclosures may be made to any one of the members., (e) Oral responses to inquiries. In an oral response to a member or potential member's inquiry about dividend rates payable on its accounts, the credit union shall state the annual percentage yield. The dividend rate may be stated in addition to the annual percentage yield. No other rate may be stated. In stating a dividend rate and annual percentage yield, a credit union shall:, (1) For dividend-bearing accounts other than term share accounts, specify a dividend rate and annual percentage yield as of the last dividend declaration date. In the event that disclosures of a dividend rate and annual percentage yield as of the last dividend declaration date might be inaccurate because of known or contemplated dividend rate changes, the credit union may disclose the prospective dividend rate and prospective annual percentage yield. Such prospective dividend rate and prospective annual percentage yield may be disclosed either in lieu of, or in addition to, the dividend rate and annual percentage yield as of the last dividend declaration date. , (2) For interest-bearing accounts and for dividend-bearing term share accounts, specify an interest (dividend) rate and annual percentage yield that were offered within the most recent seven calendar days; state that the rate and yield are accurate as of an identified date; and provide a telephone number members may call to obtain current rate information. , (f) Rounding and accuracy rules for rates and yields - (1) Rounding. The annual percentage yield, the annual percentage yield earned, and the dividend rate shall be rounded to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places. For account disclosures, the dividend rate may be expressed to more than two decimal places. , (2) Accuracy. The annual percentage yield (and the annual percentage yield earned) will be considered accurate if not more than one-twentieth of one percentage point (.05%) above or below the annual percentage yield (and the annual percentage yield earned) determined in accordance with the rules in appendix A of this part. ","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["707"],"part_title":["PART 707 - TRUTH IN SAVINGS"],"section":["707.3"],"section_title":["\u00a7 707.3 General disclosure requirements."]},"_input_hash":-879340607,"_task_hash":-753078517,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853201,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Penalties under section 10(k) of the FDI Act. A senior examiner of the FDIC who violates the post-employment restrictions set forth in \u00a7 336.12 shall be subject to the following penalties - , (1) An order - , (i) Removing such person from office or prohibiting such person from further participation in the affairs of the relevant insured depository institution or company (including a bank holding company or savings and loan holding company) that controls such institution for a period of up to five years, and, (ii) Prohibiting any further participation by such person, in any manner, in the affairs of any insured depository institution for a period of up to five years; or, (2) A civil monetary penalty of not more than $250,000; or, (3) Both., (b) Enforcement by appropriate Federal banking agency of hiring entity. Violations of \u00a7 336.12 shall be enforced by the appropriate Federal banking agency of the depository institution, depository institution holding company, or other company at which the violation occurred, as determined under section 10(k)(6), which may be an agency other than the FDIC., (c) Scope of prohibition orders. Any senior examiner who is subject to an order issued under paragraph (a)(1) of this section shall, as required by 12 U.S.C. 1820(k)(6)(B), be subject to paragraphs (6) and (7) of section 8(e) in the same manner and to the same extent as a person subject to an order issued under section 8(e)., (d) Other penalties. The penalties set forth in paragraph (a) of this section are not exclusive, and a senior examiner who violates the restrictions in \u00a7 336.12 may also be subject to other administrative, civil, or criminal remedies or penalties as provided by law.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["336"],"part_title":["PART 336 - FDIC EMPLOYEES"],"section":["336.13"],"section_title":["\u00a7 336.13 Penalties."]},"_input_hash":1417920451,"_task_hash":-1234931414,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853216,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Sales of securities of a State savings association or its affiliates at an office of a State savings association may only be made in accordance with the provisions of \u00a7 390.340.","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["390"],"part_title":["PART 390 - REGULATIONS TRANSFERRED FROM THE OFFICE OF THRIFT SUPERVISION"],"section":["390.426"],"section_title":["\u00a7 390.426 Sales of securities at an office of a State savings association."]},"_input_hash":1263188201,"_task_hash":-423640398,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853231,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Authority for loan approval is vested in the Farm Credit banks and associations.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["614"],"part_title":["PART 614 - LOAN POLICIES AND OPERATIONS"],"section":["614.4450"],"section_title":["\u00a7 614.4450 General requirements."]},"_input_hash":81752339,"_task_hash":-1006899939,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853241,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Equal opportunity notice. Each regulated entity shall publish a statement, endorsed by its Chief Executive Officer and approved by its Board of Directors, confirming its commitment to the principles of equal opportunity in employment and in contracting, at a minimum, regardless of race, color, religion, sex, national origin, disability status, genetic information, age, sexual orientation, gender identity, or status as a parent. The notice also shall confirm commitment against retaliation or reprisal. Publication shall include, at a minimum, conspicuous posting in all regulated entity physical facilities, including through alternative media formats, as necessary, and accessible posting on the regulated entity's Web site. The notice shall be updated and re-published, re-endorsed by the Chief Executive Officer and re-approved by the Board of Directors annually., (b) Policies and procedures. Each regulated entity shall develop, implement, and maintain policies and procedures to ensure, to the maximum extent possible in balance with financially safe and sound business practices, the inclusion and utilization of minorities, women, individuals with disabilities, and minority-, women-, and disabled-owned businesses in all business and activities and at all levels of the regulated entity, including in management, employment, procurement, insurance, and all types of contracts. The policies and procedures of each regulated entity, at a minimum, shall:, (1) Confirm its adherence to the principles of equal opportunity and non-discrimination in employment and in contracting;, (2) Describe its practices and principles for prohibiting discrimination in employment and contracting;, (3) Describe its processes for giving consideration to MWDOBs when reviewing and evaluating contract proposals and hiring service providers as required under \u00a7 1223.2(c);, (4) Establish a process for receiving and attempting to resolve complaints of discrimination in employment and in contracting. Publication will include, at a minimum, making the procedure conspicuously accessible to employees and applicants through print, electronic, or alternative media formats, as necessary, and through the regulated entity's Web site;, (5) Establish a process for accepting, reviewing, and granting or denying requests for reasonable accommodations of disabilities from employees or applicants for employment;, (6) Establish a process for accepting, reviewing, and granting or denying requests for reasonable accommodations for religious beliefs or practices from employees or applicants for employment;, (7) Encourage the consideration of diversity in nominating or soliciting nominees for positions on boards of directors and engage in recruiting and outreach directed at encouraging individuals who are minorities, women and individuals with disabilities to seek or apply for employment with the regulated entity;, (8) Establish a process for developing a stand-alone D&I strategic plan or incorporating into its existing strategic plan a D&I plan that proactively focuses on promoting the advancement of D&I. The stand-alone D&I strategic plan and the incorporated D&I plan are hereinafter referred to as the D&I strategic plan;, (9) Except as limited by \u00a7 1223.3(b), require that each contract it enters contains a material clause committing the contractor to practice the principles of equal employment opportunity and non-discrimination in all its business activities and requiring each such contractor to include the clause in each subcontract it enters for services or goods provided to the regulated entity;, (10) Identify the types of contracts the regulated entity considers exempt under \u00a7 1223.3(b) and any thresholds, exceptions, and limitations the regulated entity establishes for implementing paragraph (c)(2) of this section. The policies and procedures must describe the following:, (i) The rationale and need for the thresholds, exceptions, or limitations;, (ii) The criteria used to implement the thresholds, exceptions, or limitations; and, (iii) Any negative or adverse impact the implementation of the thresholds, exceptions, or limitations would likely have on contracting opportunities for minorities, women, individuals with disabilities, and MWDOBs;, (11) Be published and made accessible to employees, applicants for employment, contractors, potential contractors, and members of the public through print, electronic, or alternative media formats, as necessary, and through the regulated entity's Web site; and, (12) Be reviewed at the direction of the officer immediately responsible for directing the Office of Minority and Women Inclusion, or other office designated to perform the responsibilities of this part, at least annually to assess their effectiveness and to incorporate appropriate changes., (c) Outreach for contracting. Each regulated entity shall establish a program for outreach designed to ensure to the maximum extent possible the inclusion in contracting opportunities of minorities, women, individuals with disabilities, and minority-, women-, and disabled-owned businesses. The program at a minimum shall:, (1) Apply to all contracts entered into by the regulated entity, including contracts with financial institutions, investment banking firms, investment consultants or advisors, financial services entities, mortgage banking firms, asset management entities, underwriters, accountants, brokers, brokers-dealers, and providers of legal services;, (2) Establish policies, procedures and standards requiring the publication of contracting opportunities designed to encourage contractors that are minorities, women, individuals with disabilities, and minority-, women-, and disabled-owned businesses to submit offers or bid for the award of such contracts; and, (3) Ensure the consideration of the diversity of a contractor when the regulated entity reviews and evaluates offers from contractors., (d) D&I strategic planning. By no later than January 25, 2018 the board of directors of each regulated entity shall adopt a D&I strategic plan for promoting D&I of minorities, women, individuals with disabilities, and MWDOBs. The board of directors of each regulated entity shall review the D&I strategic plan at least annually and shall readopt the plan, including any interim amendments, at least every three years., (e) Contents of the D&I strategic plan. The D&I strategic plan shall include the following:, (1) A vision and/or mission statement that addresses the importance of promoting diversity and ensuring the inclusion of minorities, women, and individuals with disabilities in order to fulfill \u00a7 1223.2;, (2) Measurable strategic goals and objectives for accomplishing the agreed-upon priorities and intended outcomes developed to advance diversity and ensure the inclusion of minorities, women, and individuals with disabilities at the regulated entity in accordance with \u00a7 1223.2; and, (3) A requirement to create and implement action plans to achieve the strategic goals and objectives and management reporting requirements for monitoring the implementation of those goals and objectives.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - ENTITY REGULATIONS"],"part":["1223"],"part_title":["PART 1223 - MINORITY AND WOMEN INCLUSION"],"section":["1223.21"],"section_title":["\u00a7 1223.21 Promoting diversity and ensuring inclusion in all business and activities."]},"_input_hash":1847700835,"_task_hash":934217301,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853262,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) After receipt of the approvals under \u00a7\u00a7 708a.108 and 708a.109 the credit union may complete the conversion., (b) The credit union must complete the conversion within one year of the date of receipt of NCUA approval under \u00a7 708a.108. If a credit union fails to complete the conversion within one year the Regional Director will disapprove of the methods and procedures. The credit union's board of directors must then adopt a new conversion proposal and solicit another member vote if it still desires to convert., (c) The Regional Director may, upon timely request and for good cause, extend the one year completion period for an additional six months., (d) After notification by the board of directors of the mutual savings bank or mutual savings association that the conversion has been completed, the NCUA will cancel the insurance certificate of the credit union and, if applicable, the charter of a federal credit union.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["708a"],"part_title":["PART 708a - BANK CONVERSIONS AND MERGERS"],"section":["708a.110"],"section_title":["\u00a7 708a.110 Completion of conversion."]},"_input_hash":423809405,"_task_hash":-291083535,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853276,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"For purposes of this subpart - , (a) Bank means an insured State nonmember bank as defined in section 3 of the Federal Deposit Insurance Act, 12 U.S.C. 1813., (b) Controlled entity means a corporation, partnership, association, or other business entity with respect to which a bank possesses, directly or indirectly, the power to direct or cause the direction of management and policies, whether through the ownership of voting securities, by contract, or otherwise., (c) FDIC-supervised institution means either a bank or a State savings association., (d) State savings association has the same meaning as in section 3(b)(3) of the Federal Deposit Insurance Act, 12 U.S.C. 1813(b)(3).","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY"],"part":["338"],"part_title":["PART 338 - FAIR HOUSING"],"section":["338.6"],"section_title":["\u00a7 338.6 Definitions applicable to this subpart."]},"_input_hash":857230848,"_task_hash":1344390348,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853289,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Disclaimer. Place the following statement in boldface type in the material to be sent to equity holders, either on the notice of meeting or the first page of the plan of termination:, The Farm Credit Administration has not determined if this information is accurate or complete. You should not rely on any statement to the contrary., (b) Summary. The first part of the plan of termination must be a summary that concisely explains:, (1) Which stockholders have a right to vote on the termination and related transactions;, (2) The material changes the termination will cause to the rights of borrowers and other equity holders;, (3) The effect of those changes;, (4) The anticipated benefits and potential disadvantages of the termination;, (5) The right of certain equity holders to dissent and receive payment for their existing equities; and, (6) The estimated termination date., (7) If applicable, an explanation of any corporate restructuring that the successor institution expects to engage in within 18 months after the date of termination., (c) Remaining requirements. You must also disclose the following information to equity holders:, (1) Termination resolution. Provide a certified copy of the termination resolution required under \u00a7 611.1220., (2) Plan of termination. Summarize the plan of termination., (3) Benefits and disadvantages. Provide an enumerated statement of the anticipated benefits and potential disadvantages of the termination., (4) Recommendation. Explain the board's basis for recommending the termination., (5) Exit fee. Explain the preliminary exit fee estimate, with any adjustments we require, and estimated expenses of termination and organization of the successor institution., (6) Initial board of directors. List the initial board of directors and senior officers for the successor institution, with a brief description of the business experience of each person, including principal occupation and employment during the past 5 years., (7) Relevant contracts and agreements. Include copies of all contracts and agreements related to the termination, including any proposed contracts in connection with the termination and subsequent operations of the successor institution. The FCA may, in its discretion, permit or require you to provide a summary or summaries of the documents in the disclosure information to be submitted to equity holders instead of copies of the documents., (8) Bylaws and charter. Summarize the provisions of the bylaws and charter of the successor institution that differ materially from your bylaws and charter. The summary must state:, (i) Whether the successor institution will require a borrower to hold an equity interest as a condition for having a loan; and, (ii) Whether the successor institution will require equity holders to do business with the institution., (9) Changes to equity. Explain any changes in the nature of equity investments in the successor institution, such as changes in dividends, patronage, voting rights, preferences, retirement of equities, and liquidation priority. If equities protected under section 4.9A of the Act are outstanding, the plan of termination must state that the Act's protections will be extinguished on termination., (10) Effect of termination on statutory and regulatory rights. Explain the effect of termination on rights granted to equity holders by the Act and FCA regulations. You must explain the effect termination will have on borrower rights granted in the Act and part 617 of this chapter., (11) Loan refinancing by borrowers. (i) State, as applicable, that borrowers may seek to refinance their loans with the System institutions that already serve, or will be permitted to serve, your territory. State that no System institution is obligated to refinance your loans., (ii) If we have assigned the chartered territory you serve to another System institution before the plan of termination is mailed to equity holders, or if another System institution is already chartered to make the same type of loans you make in the chartered territory, identify such institution(s) and provide the following information:, (A) The name, address, and telephone number of the institution; and, (B) An explanation of the institution's procedures for borrowers to apply for refinancing., (iii) If we have not assigned the territory before you mail the plan of termination, give the name, address, and telephone number of the System institution specified by us and state that borrowers may contact the institution for information about loan refinancing., (12) Equity exchanges. Explain the formula and procedure to exchange equity in your institution for equity in the successor institution., (13) Employment, retirement, and severance agreements. Describe any employment agreement or arrangement between the successor institution and any of your senior officers or directors. Describe any severance and retirement plans that cover your employees or directors and state the costs you expect to incur under the plans in connection with the termination., (14) Final exit fee and its calculation. Explain how the final exit fee will be calculated under \u00a7 611.1255 and how it will be paid., (15) New charter. Describe the nature and type of financial institution the successor institution will be and any conditions of approval of the new chartering authority or regulator., (16) Differences in successor institution's programs and policies. Summarize any differences between you and the successor institution on:, (i) Interest rates and fees;, (ii) Collection policies;, (iii) Services provided; and, (iv) Any other item that would affect a borrower's lending relationship with the successor institution, including whether a stockholder's ability to borrow from the institution will be restricted., (17) Capitalization. Discuss expected capital requirements of the successor institution, and the amount and method of capitalization., (18) Sources of funding. Explain the sources and manner of funding for the successor institution's operations., (19) Contingent liabilities. Describe how the successor institution will address any contingent liability it will assume from you., (20) Tax status. Summarize the differences in tax status between your institution and the successor institution, and explain how the differences may affect equity holders., (21) Regulatory environment. Describe briefly how the regulatory environment for the successor institution will differ from your current regulatory environment, and any effect on the cost of doing business or the value of stockholders' equity., (22) Dissenters' rights. Explain which equity holders are entitled to dissenters' rights and what those rights are. The explanation must include the estimated liquidation value of the stock, procedures for exercising dissenters' rights, and a statement of when the rights may be exercised., (23) Financial information. (i) Present the following financial data:, (A) A balance sheet and income statement for each of the 3 preceding fiscal years;, (B) A balance sheet as of a date within 90 days of the date you send the plan of termination to us, presented on a comparative basis with the corresponding period of the previous 2 fiscal years;, (C) An income statement for the interim period between the end of the last fiscal year and the date of the balance sheet required by paragraph (d)(23)(i)(B) of this section, presented on a comparative basis with the corresponding period of the previous 2 fiscal years;, (D) A pro forma balance sheet of the successor institution presented as if termination had occurred as of the date of the most recent balance sheet presented in the plan of termination; and, (E) A pro forma summary of earnings for the successor institution presented as if the termination had been effective at the beginning of the interim period between the end of the last fiscal year and the date of the balance sheet presented under paragraph (d)(23)(i)(D) of this section., (ii) The format for the balance sheet and income statement must be the same as the format in your annual report and must contain appropriate footnote disclosures, including data on high-risk assets, other property owned, and allowance for losses., (iii) The financial statements must include either:, (A) A statement signed by the chief executive officer and each board member that the various financial statements are unaudited but have been prepared in all material respects in conformity with GAAP (except as otherwise disclosed) and are, to the best of each signer's knowledge, a fair and accurate presentation of the financial condition of the institution; or, (B) A signed opinion by an independent certified public accountant that the various financial statements have been examined in conformity with generally accepted auditing standards and included such tests of the accounting records and other such auditing procedures as were considered necessary in the circumstances, and, as of the date of the statements, present fairly the financial position of the institution in conformity with GAAP applied on a consistent basis, except as otherwise disclosed., (24) Subsequent financial events. Describe any event after the date of the financial statements, but before the date you send the plan of termination to us, that would have a material impact on your financial condition or the condition of the successor institution., (25) Other subsequent events. Describe any event after you send the plan of termination to us that could have a material impact on any information in the plan of termination., (26) Other material disclosures. Describe any other material fact or circumstance that a stockholder would need to know to make an informed decision on the termination, or that is necessary to make the disclosures not misleading. We may require you to disclose any assessments, analyses, studies, or rulings we require under \u00a7 611.1211., (27) Ballot and proxy. Include a ballot and proxy, with instructions on the purpose and authority for their use, and the proper method for the stockholder to sign the proxy., (28) Board of directors certification. Include a certification signed by the entire board of directors as to the truth, accuracy, and completeness of the information contained in the plan of termination. If any director refuses to sign the certification, the director must inform us of the reasons for refusing., (29) Directors' statements. You must include statements, if any, by directors regarding the proposed termination., (d) Requirement to provide updated information. After you send us the plan of termination, you must immediately send us:, (1) Any material change to information in the plan of termination, including financial information, that occurs between the date you file the plan of termination and the termination date;, (2) Copies of any additional written information on the termination that you have given or give to current or prospective equity holders before termination; and, (3) A description of any subsequent event(s) that could have a material impact on any information in the plan of termination or on the termination.","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["611"],"part_title":["PART 611 - ORGANIZATION"],"section":["611.1223"],"section_title":["\u00a7 611.1223 Plan of termination - contents."]},"_input_hash":-69860167,"_task_hash":681665122,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853307,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) A Participant's Security Entitlement is created when a Federal Reserve Bank indicates by book entry that a Book-entry consolidated obligation has been credited to a Participant's Securities Account., (b) A security interest in a Security Entitlement of a Participant in favor of the United States to secure deposits of public money, including, without limitation, deposits to the Treasury tax and loan accounts, or other security interest in favor of the United States that is required by Federal statute, regulation, or agreement, and that is marked on the books of a Federal Reserve Bank is thereby effected and perfected, and has priority over any other interest in the Securities. Where a security interest in favor of the United States in a Security Entitlement of a Participant is marked on the books of a Federal Reserve Bank, such Federal Reserve Bank may rely, and is protected in relying, exclusively on the order of an authorized representative of the United States directing the transfer of the Security. For purposes of this paragraph (b), an \u201cauthorized representative of the United States\u201d is the official designated in the applicable regulations or agreement to which a Federal Reserve Bank is a party, governing the security interest., (c)(1) The Banks, FHFA, the Director, the Office of Finance, the United States and the Federal Reserve Banks have no obligation to agree to act on behalf of any Person or to recognize the interest of any transferee of a security interest or other limited interest in a Security Entitlement in favor of any Person except to the extent of any specific requirement of Federal law or regulation or to the extent set forth in any specific agreement with the Federal Reserve Bank on whose books the interest of the Participant is recorded. To the extent required by such law or regulation or set forth in an agreement with a Federal Reserve Bank, or the Federal Reserve Bank Operating Circular, a security interest in a Security Entitlement that is in favor of a Federal Reserve Bank or a Person may be created and perfected by a Federal Reserve Bank marking its books to record the security interest. Except as provided in paragraph (b) of this section, a security interest in a Security Entitlement marked on the books of a Federal Reserve Bank shall have priority over any other interest in the Securities., (2) In addition to the method provided in paragraph (c)(1) of this section, a security interest in a Security Entitlement, including a security interest in favor of a Federal Reserve Bank, may be perfected by any method by which a security interest may be perfected under applicable law as described in \u00a7 1270.12(b) or \u00a7 1270.13. The perfection, effect of perfection or non-perfection, and priority of a security interest are governed by that applicable law. A security interest in favor of a Federal Reserve Bank shall be treated as a security interest in favor of a clearing corporation in all respects under that law, including with respect to the effect of perfection and priority of the security interest. A Federal Reserve Bank Operating Circular shall be treated as a rule adopted by a clearing corporation for such purposes.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["D"],"subchapter_title":["SUBCHAPTER D - FEDERAL HOME LOAN BANKS"],"part":["1270"],"part_title":["PART 1270 - LIABILITIES"],"section":["1270.14"],"section_title":["\u00a7 1270.14 Creation of Participant's Security Entitlement; security interests."]},"_input_hash":-588900255,"_task_hash":156582467,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853348,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"NCUA may at any time, based upon supervisory, legal, or safety and soundness reasons, limit any CUSO activities or services, or refuse to permit any CUSO activities or services. Otherwise, an FCU may invest in, loan to, and/or contract with only those CUSOs that are sufficiently bonded or insured for their specific operations and engaged in the preapproved activities and services related to the routine daily operations of credit unions. The specific activities listed within each preapproved category are provided in this section as illustrations of activities permissible under the particular category, not as an exclusive or exhaustive list. , (a) Checking and currency services:, (1) Check cashing;, (2) Coin and currency services; , (3) Money order, savings bonds, travelers checks, and purchase and sale of U.S. Mint commemorative coins services; and, (4) Stored value products; , (b) Clerical, professional and management services:, (1) Accounting services;, (2) Courier services;, (3) Credit analysis;, (4) Facsimile transmissions and copying services;, (5) Internal audits for credit unions;, (6) Locator services;, (7) Management and personnel training and support;, (8) Marketing services;, (9) Research services; , (10) Supervisory committee audits; and, (11) Employee leasing services;, (c) Electronic transaction services:, (1) Automated teller machine (ATM) services;, (2) Credit card and debit card services;, (3) Data processing;, (4) Electronic fund transfer (EFT) services;, (5) Electronic income tax filing;, (6) Payment item processing;, (7) Wire transfer services; and, (8) Cyber financial services;, (d) Financial counseling services:, (1) Developing and administering Individual Retirement Accounts (IRA), Keogh, deferred compensation, and other personnel benefit plans;, (2) Estate planning;, (3) Financial planning and counseling;, (4) Income tax preparation;, (5) Investment counseling; , (6) Retirement counseling; and, (7) Business counseling and consultant services; , (e) Fixed asset services:, (1) Management, development, sale, or lease of fixed assets; and, (2) Sale, lease, or servicing of computer hardware or software;, (f) Insurance brokerage or agency:, (1) Agency for sale of insurance;, (2) Provision of vehicle warranty programs; , (3) Provision of group purchasing programs; and, (4) Real estate settlement services; , (g) Leasing:, (1) Personal property; and, (2) Real estate leasing of excess CUSO property;, (h) Loan support services:, (1) Debt collection services;, (2) Loan processing, servicing, and sales; , (3) Sale of repossessed collateral;, (4) Real estate settlement services;, (5) Purchase and servicing of non-performing loans; and, (6) Referral and processing of loan applications for members whose loan applications have been denied by the credit union; , (i) Record retention, security and disaster recovery services:, (1) Alarm-monitoring and other security services;, (2) Disaster recovery services;, (3) Microfilm, microfiche, optical and electronic imaging, CD-ROM data storage and retrieval services;, (4) Provision of forms and supplies; and, (5) Record retention and storage;, (j) Securities brokerage services;, (k) Shared credit union branch (service center) operations;, (l) Travel agency services;, (m) Trust and trust-related services:, (1) Acting as administrator for prepaid legal service plans;, (2) Acting as trustee, guardian, conservator, estate administrator, or in any other fiduciary capacity; and, (3) Trust services;, (n) Real estate brokerage services;, (o) In connection with providing a permissible service, a CUSO may invest in a non-CUSO service provider. The amount of the CUSO's investment is limited to the amount necessary to participate in the service provider, or a greater amount if necessary to receive a reduced price for goods or services;, (p) Payroll processing services;, (q) Loan origination, including originating, purchasing, selling, and holding any type of loan permissible for Federal credit unions to originate, purchase, sell, and hold, including the authority to purchase and sell participation interests that are permissible for Federal credit unions to purchase and sell; and, (r) Other categories of activities as approved in writing by the NCUA and published on the NCUA's website. Once the NCUA has approved an activity and published that activity on its website, the NCUA will not remove that particular activity from the approved list or make substantial changes to the content or description of that approved activity, except through formal rulemaking procedures.","meta":{"chapter":["VII"],"chapter_title":["CHAPTER VII - NATIONAL CREDIT UNION ADMINISTRATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - REGULATIONS AFFECTING CREDIT UNIONS"],"part":["712"],"part_title":["PART 712 - CREDIT UNION SERVICE ORGANIZATIONS (CUSOs)"],"section":["712.5"],"section_title":["\u00a7 712.5 What activities and services are preapproved for CUSOs?"]},"_input_hash":16291092,"_task_hash":-2131453757,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853363,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"An institution-affiliated party who is suspended or removed from office or prohibited from participation in the institution's affairs may request an informal hearing within 30 days of service of the notice or order. The request shall be filed in writing with the Secretary, Board of Governors of the Federal Reserve System, Washington, DC 20551. The request shall state with particularity the relief desired and the grounds therefor and shall include, when available, supporting evidence in the form of affidavits. If the institution-affiliated party desires to present oral testimony or witnesses at the hearing, the institution-affiliated party must include a request to do so with the request for informal hearing. The request to present oral testimony or witnesses shall specify the names of the witnesses and the general nature of their expected testimony.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["263"],"part_title":["PART 263 - RULES OF PRACTICE FOR HEARINGS"],"section":["263.72"],"section_title":["\u00a7 263.72 Request for informal hearing."]},"_input_hash":-181080380,"_task_hash":2122092466,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853376,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Return of items - (1) Return of cash items handled by Reserve Banks. A paying bank that receives a cash item from a Reserve Bank, other than for immediate payment over the counter, and that settles for the item as provided in \u00a7 210.9(b), may, before it has finally paid the item, return the item to any Reserve Bank (unless its Administrative Reserve Bank directs it to return the item to a specific Reserve Bank) in accordance with subpart C of part 229 of this chapter (Regulation CC), the Uniform Commercial Code, and the Reserve Banks' operating circulars. A paying bank that receives a cash item from a Reserve Bank also may return the item prior to settlement, in accordance with \u00a7 210.9(b) and the Reserve Banks' operating circulars. The rules or practices of a clearinghouse through which the item was presented, or a special collection agreement under which the item was presented, may not extend these return times, but may provide for a shorter return time., (2) Return of checks not handled by Reserve Banks. A paying bank that receives a check, other than from a Reserve Bank, and that determines not to pay the check, may send the returned check to any Reserve Bank (unless its Administrative Reserve Bank directs it to send the returned check to a specific Reserve Bank) in accordance with subpart C of part 229 of this chapter (Regulation CC), the Uniform Commercial Code, and the Reserve Banks' operating circulars. A returning bank may send a returned check to any Reserve Bank (unless its Administrative Reserve Bank directs it to send the returned check to a specific Reserve Bank) in accordance with subpart C of part 229 of this chapter (Regulation CC), the Uniform Commercial Code, and the Reserve Banks' operating circulars., (b) Handling of returned checks. (1) The following parties, in the following order, are deemed to have handled a returned check sent to a Reserve Bank under paragraph (a) of this section - , (i) The paying or returning bank;, (ii) The paying bank's or returning bank's Administrative Reserve Bank;, (iii) The Reserve Bank that receives the returned check from the paying or returning bank (if different from the paying bank's or returning bank's Administrative Reserve Bank); and, (iv) Another Reserve Bank, if any, that receives the returned check from a Reserve Bank., (2) A Reserve Bank that is not described in paragraph (b)(1) of this section is not a person that handles a returned check and is not a returning bank with respect to a returned check., (3) The identity and order of the parties under paragraph (b)(1) of this section determine the relationships and the rights and liabilities of the parties under this subpart, part 229 of this chapter (Regulation CC), and the Uniform Commercial Code., (c) Paying bank's and returning bank's agreement. The warranties, indemnities, authorizations, and agreements made pursuant to this paragraph (c) may not be disclaimed and are made whether or not the returned check bears an indorsement of the paying bank or returning bank. By sending a returned check to a Reserve Bank, the paying bank or returning bank does all of the following., (1) Authorization to handle returned check. The paying bank or returning bank authorizes the paying bank's or returning bank's Administrative Reserve Bank, and any other Reserve Bank or returning bank to which the returned check is sent, to handle the returned check (and authorizes any Reserve Bank that handles settlement for the returned check to make accounting entries) subject to this subpart and to the Reserve Banks' operating circulars., (2) Warranties for all returned checks. The paying bank or returning bank warrants to each Reserve Bank handling a returned check that the returned check bears all indorsements applied by parties that previously handled the returned check for forward collection or return., (3) Warranties and indemnities as set forth in Regulation CC. As applicable and unless otherwise provided, a paying bank or returning bank makes to each Reserve Bank that handles the returned check all the warranties and indemnities set forth in and subject to the terms of subparts C and D of part 229 of this chapter (Regulation CC)., (4) Paying bank or returning bank's liability to Reserve Bank. (i) Except as provided in paragraph (c)(4)(ii) and (iii) of this section, a paying bank or returning bank agrees to indemnify each Reserve Bank for any loss or expense (including attorneys' fees and expenses of litigation) resulting from - , (A) The paying or returning bank's lack of authority to give the authorization in paragraph (c)(1) of this section;, (B) Any action taken by a Reserve Bank within the scope of its authority in handling the returned check; or, (C) Any warranty or indemnity made by the Reserve Bank under paragraph (e) of this section or part 229 of this chapter., (ii) A paying bank's or returning bank's liability for warranties and indemnities that a Reserve Bank makes for a returned check that is a substitute check, a paper or electronic representation thereof, or an electronic returned check is subject to the following conditions and limitations - , (A) A paying bank or returning bank that sent an original returned check shall not be liable for any amount that a Reserve Bank pays under subpart D of part 229 of this chapter, or under \u00a7 229.34 of this chapter with respect to an electronic returned check, absent the paying bank's or returning bank's agreement to the contrary; and, (B) Nothing in this subpart alters the liability under subpart D of part 229 of this chapter of a paying bank or returning bank that sent a substitute check or a paper or electronic representation of a substitute check or under \u00a7 229.34 of this chapter of a paying bank or returning bank that sent an electronic returned check; and, (iii) A paying bank or returning bank shall not be liable for any amount that the Reserve Bank pays under this subpart or part 229 of this chapter that is attributable to the Reserve Bank's own lack of good faith or failure to exercise ordinary care., (d) Paying bank or returning bank's liability under other law. Nothing in paragraph (c) of this section limits any warranty or indemnity by a returning bank or paying bank (or a person that handled an item prior to that bank) arising under state law or regulation (such as the U.C.C.), other federal law or regulation (such as part 229 of this chapter), or an agreement with a Reserve Bank., (e) Warranties by and liability of Reserve Bank - (1) Warranties and indemnities. The following provisions apply when a Reserve Bank handles a returned check under this subpart., (i) Warranties for all items. The Reserve Bank warrants to the bank to which it sends the returned check that the returned check bears all indorsements applied by parties that previously handled the returned check for forward collection or return., (ii) Warranties and indemnities as set forth in Regulation CC. As applicable and unless otherwise provided, the Reserve Bank makes all the warranties and indemnities set forth in and subject to the terms of subparts C and D of part 229 of this chapter (Regulation CC)., (2) Indemnity for substitute check created from electronic returned check. (i) Except as provided in paragraph (e)(2)(ii) of this section, the Reserve Bank shall indemnify the bank to which it transfers or presents an electronic returned check (the recipient bank) for the amount of any losses that the recipient bank incurs under subpart D of part 229 of this chapter (Regulation CC) for an indemnity that the recipient bank was required to make under subpart D of part 229 of this chapter in connection with a substitute check later created from the electronic returned check., (ii) The Reserve Bank shall not be liable under paragraph (e)(2)(i) of this section for any amount that the recipient bank pays under subpart D of part 229 of this chapter that is attributable to the lack of good faith or failure to exercise ordinary care of the recipient bank or a person that handled the item, in any form, after the recipient bank., (3) Liability of Reserve Bank. A Reserve Bank shall not have or assume any other liability to any person except - , (i) For the Reserve Bank's own lack of good faith or failure to exercise ordinary care;, (ii) As provided in this paragraph (e); and, (iii) As provided in subparts C and D of part 229 of this chapter (Regulation CC)., (f) Recovery by Reserve Bank. (1) A Reserve Bank that has handled a returned check may recover as provided in paragraph (f)(2) of this section if an action or proceeding is brought against (or if defense is tendered to) the Reserve Bank based on - , (i) The alleged failure of the paying bank or returning bank to have the authority to give the authorization in paragraph (c)(1) of this section;, (ii) Any action by the Reserve Bank within the scope of its authority in handling the returned check; or, (iii) Any warranty or indemnity made by the Reserve Bank under paragraph (e) of this section or part 229 of this chapter; and, (2) Upon entry of a final judgment or decree in an action or proceeding described in paragraph (f)(1) of this section, a Reserve Bank may recover from the paying bank or returning bank the amount of attorneys' fees and other expenses of litigation incurred, as well as any amount the Reserve Bank is required to pay because of the judgment or decree or the tender of defense, together with interest thereon., (g) Methods of recovery. (1) The Reserve Bank may recover the amount stated in paragraph (f) of this section by charging any account on its books that is maintained or used by the paying bank or returning bank (or by charging another returning Reserve Bank), if - , (i) The Reserve Bank made seasonable written demand on the paying bank or returning bank to assume defense of the action or proceeding; and, (ii) The paying bank or returning bank has not made any other arrangement for payment that is acceptable to the Reserve Bank., (2) The Reserve Bank is not responsible for defending the action or proceeding before using this method of recovery. A Reserve Bank that has been charged under this paragraph (g) may recover from the paying or returning bank in the manner and under the circumstances set forth in this paragraph (g)., (3) A Reserve Bank's failure to avail itself of the remedy provided in this paragraph (g) does not prejudice its enforcement in any other manner of the indemnity agreement referred to in paragraph (c)(4) of this section., (h) Reserve Bank's responsibility. A Reserve Bank shall handle a returned check, or a notice of nonpayment, in accordance with subpart C of part 229 and its operating circular. , (i) Settlement. A subsequent returning bank or depositary bank shall settle with its Administrative Reserve Bank for returned checks in the same manner and by the same time as for cash items presented for payment under this subpart. Settlement with its Administrative Reserve Bank is deemed to be settlement with the Reserve Bank from which the returning bank or depositary bank received the item., (j) Security interest. When a paying or returning bank sends a returned check to a Reserve Bank, the paying bank, returning bank, and any prior returning bank grant to the paying bank's or returning bank's Administrative Reserve Bank a security interest in all of their respective assets in the possession of, or held for the account of, any Reserve Bank, to secure their respective obligations due or to become due to the Administrative Reserve Bank under this subpart or subpart C of part 229 of this chapter (Regulation CC). The security interest attaches when a warranty is breached or any other obligation to the Reserve Bank is incurred. If the Reserve Bank, in its sole discretion, deems itself insecure and gives notice thereof to the paying bank, returning bank, or prior returning bank, or if the paying bank, returning bank, or prior returning bank suspends payments or is closed, the Reserve Bank may take any action authorized by law to recover the amount of an obligation, including, but not limited to, the exercise of rights of set off, the realization on any available collateral, and any other rights it may have as a creditor under applicable law. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["210"],"part_title":["PART 210 - COLLECTION OF CHECKS AND OTHER ITEMS BY FEDERAL RESERVE BANKS AND FUNDS TRANSFERS THROUGH FEDWIRE (REGULATION J)"],"section":["210.12"],"section_title":["\u00a7 210.12 Return of cash items and handling of returned checks."]},"_input_hash":-873404591,"_task_hash":-1263512954,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853389,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Expedited processing for eligible depository institutions - (1) General. An application filed under this subpart by an eligible depository institution as defined in \u00a7 303.2(r) and which meets the additional criteria in paragraph (a)(4) of this section will be acknowledged by the FDIC in writing and will receive expedited processing, unless the applicant is notified in writing to the contrary and provided with the basis for that decision. The FDIC may remove an application from expedited processing for any of the reasons set forth in \u00a7 303.11(c)(2)., (2) Timing. Under expedited processing, the FDIC will take action on an application by the date that is the latest of:, (i) 45 days after the date of the FDIC's receipt of a substantially complete merger application; or, (ii) 10 days after the date of the last notice publication required under \u00a7 303.65 of this subpart; or, (iii) 5 days after receipt of the Attorney General's report on the competitive factors involved in the proposed transaction; or, (iv) For an interstate merger transaction subject to the provisions of section 44 of the FDI Act (12 U.S.C. 1831u), 5 days after the FDIC receives confirmation from the host state (as defined in \u00a7 303.41(e)) that the applicant has both complied with the filing requirements of the host state and submitted a copy of the FDIC merger application to the host state's bank supervisor., (3) No automatic approval. Notwithstanding paragraph (a)(1) or (2) of this section, if the FDIC does not act within the expedited processing period, it does not constitute an automatic or default approval., (4) Criteria. The FDIC will process an application using expedited procedures if:, (i) Immediately following the merger transaction, the resulting institution will be \u201cwell-capitalized\u201d pursuant to subpart H of part 324 of this chapter (12 CFR part 324), as applicable; and, (ii)(A) All parties to the merger transaction are eligible depository institutions as defined in \u00a7 303.2(r); or, (B) The acquiring party is an eligible depository institution as defined in \u00a7 303.2(r) and the amount of the total assets to be transferred does not exceed an amount equal to 10 percent of the acquiring institution's total assets as reported in its report of condition for the quarter immediately preceding the filing of the merger application., (b) Standard processing. For those applications not processed pursuant to the expedited procedures, the FDIC will provide the applicant with written notification of the final action taken by the FDIC on the application when the decision is rendered., (c) Processing for State savings associations. Notwithstanding paragraphs (a) and (b) of this section, the FDIC will approve or disapprove an application filed by a State savings association to acquire or be acquired by another insured depository institution that is required to be filed with the FDIC within 60 days after the date of the FDIC's receipt of a substantially complete merger application, subject to the FDIC's discretion to extend such period by an additional 30 days if any material information submitted is substantially inaccurate or incomplete., (1) The FDIC shall notify an applicant that is a State savings association in writing of the date the application is deemed substantially complete. The FDIC may request additional information at any time., (2) Notwithstanding this paragraph (c), if the FDIC does not approve or disapprove an application within the 60-day or extended processing period it does not constitute an automatic or default approval. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["303"],"part_title":["PART 303 - FILING PROCEDURES"],"section":["303.64"],"section_title":["\u00a7 303.64 Processing."]},"_input_hash":1731688446,"_task_hash":2074257095,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853421,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) The hearing may be held: , (1) In any judicial district of the United States in which the defendant resides or transacts business; , (2) In any judicial district of the United States in which the claim or statement at issue was made; or , (3) In such other place as may be agreed upon by the defendant and the ALJ. , (b) Each party will have the opportunity to present argument with respect to the location of the hearing. , (c) The hearing will be held at the place and at the time ordered by the ALJ. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.531"],"section_title":["\u00a7 308.531 Location of hearing."]},"_input_hash":675092591,"_task_hash":-1076565550,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853434,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) General. Except as provided in \u00a7 217.400(b)(3)(ii), a global systemically important BHC's short-term wholesale funding score is equal to:, (1) The average of the global systemically important BHC's weighted short-term wholesale funding amount (defined in paragraph (b) of this section);, (2) Divided by the global systemically important BHC's average risk-weighted assets; and, (3) Multiplied by a fixed factor of 350., (b) Weighted short-term wholesale funding amount. (1) To calculate its weighted short-term wholesale funding amount, a global systemically important BHC must calculate the amount of its short-term wholesale funding on a consolidated basis for each business day of the previous calendar year and weight the components of short-term wholesale funding in accordance with Table 1 of this section., (2) Short-term wholesale funding includes the following components, each as defined in paragraph (c) of this section:, (i) All funds that the bank holding company must pay under each secured funding transaction, other than an operational deposit, with a remaining maturity of 1 year or less;, (ii) All funds that the bank holding company must pay under all unsecured wholesale funding, other than an operational deposit, with a remaining maturity of 1 year or less;, (iii) The fair value of an asset as determined under GAAP that a bank holding company must return under a covered asset exchange with a remaining maturity of 1 year or less;, (iv) The fair value of an asset as determined under GAAP that the bank holding company must return under a short position to the extent that the borrowed asset does not qualify as a Level 1 liquid asset or a Level 2A liquid asset; and, (v) All brokered deposits held at the bank holding company provided by a retail customer or counterparty., (3) For purposes of calculating the short-term wholesale funding amount and the components thereof, a bank holding company must assume that each asset or transaction described in paragraph (b)(2) of this section matures in accordance with the criteria set forth in 12 CFR 249.31., Table 1 to \u00a7 217.406 - Short-Term Wholesale Funding Components and Weights","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["217"],"part_title":["PART 217 - CAPITAL ADEQUACY OF BANK HOLDING COMPANIES, SAVINGS AND LOAN HOLDING COMPANIES, AND STATE MEMBER BANKS (REGULATION Q)"],"section":["217.406"],"section_title":["\u00a7 217.406 Short-term wholesale funding score."]},"_input_hash":-1516462212,"_task_hash":-1142220723,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853446,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Section 32 of the Glass-Steagall Act (12 U.S.C. 78) prohibits any officer, director, or employee of any corporation or unincorporated association, any partner or employee of any partnership, and any individual, primarily engaged in the issue, flotation, underwriting, public sale, or distribution, at wholesale or retail, or through syndicate participation, of stocks, bonds, or other similar securities, from serving at the same time as an officer, director, or employee of any member bank of the Federal Reserve System. The Board is of the opinion that to the extent that a company, other entity or person is engaged in securities activities that are expressly authorized for a state member bank under section 16 of the Glass-Steagall Act (12 U.S.C. 24(7), 335), the company, other entity or individual is not engaged in the types of activities described in section 32. In addition, a securities broker who is engaged solely in executing orders for the purchase and sale of securities on behalf of others in the open market is not engaged in the business referred to in section 32.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["250"],"part_title":["PART 250 - MISCELLANEOUS INTERPRETATIONS"],"section":["250.413"],"section_title":["\u00a7 250.413 \u201cBank-eligible\u201d securities activities."]},"_input_hash":-1427031042,"_task_hash":1999238393,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853473,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) FHFA Employees. Current FHFA employees may disclose or permit the disclosure of non-public information to another FHFA employee or regulated entity or the Office of Finance, when necessary and appropriate, for the performance of their official duties., (b) Regulated Entity Agents and Consultants. (1) When necessary and appropriate for regulated entity or Office of Finance business purposes, a regulated entity, the Office of Finance, or any director, officer, or employee thereof may disclose confidential supervisory information to any person currently engaged by the regulated entity or the Office of Finance, as officer, director, employee, attorney, auditor, or independent auditor (\u201cregulated entity agents\u201d)., (2) A regulated entity, the Office of Finance, or a director, officer, employee, or agent thereof, also may disclose confidential supervisory information to a consultant under this paragraph if the consultant is under a written contract to provide services to the regulated entity or the Office of Finance and the consultant has agreed in writing:, (i) To abide by the prohibition on the disclosure of confidential supervisory information contained in this section; and, (ii) That it will not use the confidential supervisory information for any purposes other than those stated in its contract to provide services to the regulated entity or the Office of Finance., (c) Law Enforcement Proceedings. Notwithstanding the general prohibition of disclosure of non-public information, to the minimum extent required by the Inspector General Act, Public Law 95-452, 92 Stat. 1101 (1978), FHFA's Office of Inspector General is permitted under this section to disclose non-public FHFA information without Director approval., (d) Privilege. FHFA retains all privilege claims for non-public information shared under \u00a7 1214.4, including, but not limited to attorney-client, attorney-work product, deliberative process, and examination privileges.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - ORGANIZATION AND OPERATIONS"],"part":["1214"],"part_title":["PART 1214 - AVAILABILITY OF NON-PUBLIC INFORMATION"],"section":["1214.4"],"section_title":["\u00a7 1214.4 Exceptions."]},"_input_hash":-1994558465,"_task_hash":-268474210,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853490,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation to the consumer about your products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by \u00a7 222.21(a)(1)(ii) of this part., (b) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if:, (1) By mail. The opt-out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means., (2) By electronic means. (i) The opt-out notice is provided electronically to the consumer, such as by posting the notice at an Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means., (ii) The opt-out notice is provided to the consumer by e-mail where the consumer has agreed to receive disclosures by e-mail from the person sending the notice. The consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable means., (3) At the time of an electronic transaction. The opt-out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on an Internet Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted., (4) At the time of an in-person transaction. The opt-out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a \u201cyes\u201d or \u201cno\u201d to indicate their opt-out preference or that requires the consumer to check one of two blank check boxes - one that allows consumers to indicate that they want to opt out and one that allows consumers to indicate that they do not want to opt out., (5) By including in a privacy notice. The opt-out notice is included in a Gramm-Leach-Bliley Act privacy notice. The consumer is allowed to exercise the opt-out within a reasonable period of time and in the same manner as the opt-out under that privacy notice.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["222"],"part_title":["PART 222 - FAIR CREDIT REPORTING (REGULATION V)"],"section":["222.24"],"section_title":["\u00a7 222.24 Reasonable opportunity to opt out."]},"_input_hash":-240945909,"_task_hash":-1259527117,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ConsumerProtection"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853505,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Adequately capitalized correspondents.1 For the purpose of this part, a correspondent is considered adequately capitalized if the correspondent has:, 1 As used in this part, the term \u201cadequately capitalized\u201d is similar but not identical to the definition of that term as used for the purposes of the prompt corrective action standards. See, e.g. 12 CFR part 208, subpart D., (1) A total risk-based capital ratio, as defined in paragraph (e)(1) of this section, of 8.0 percent or greater;, (2) A Tier 1 risk-based capital ratio, as defined in paragraph (e)(2) of this section, of 4.0 percent or greater; and, (3) A leverage ratio, as defined in paragraph (e)(3) of this section, of 4.0 percent or greater., (4) Notwithstanding paragraphs (a)(1) through (3) of this section, a qualifying community banking organization (as defined in \u00a7 217.12 of this chapter) that is subject to the community bank leverage ratio (as defined in \u00a7 217.12 of this chapter) is considered to have met the minimum capital requirements in this paragraph (a)., (b) Frequency of monitoring capital levels. A bank shall obtain information to demonstrate that a correspondent is at least adequately capitalized on a quarterly basis, either from the most recently available Report of Condition and Income, Thrift Financial Report, financial statement, or bank rating report for the correspondent. For a foreign bank correspondent for which quarterly financial statements or reports are not available, a bank shall obtain such information on as frequent a basis as such information is available. Information obtained directly from a correspondent for the purpose of this section should be based on the most recently available Report of Condition and Income, Thrift Financial Report, or financial statement of the correspondent., (c) Foreign banks. A correspondent that is a foreign bank may be considered adequately capitalized under this section without regard to the minimum leverage ratio required under paragraph (a)(3) of this section., (d) Reliance on information. A bank may rely on information as to the capital levels of a correspondent obtained from the correspondent, a bank rating agency, or other party that it reasonably believes to be accurate., (e) Definitions. For the purposes of this section:, (1) Total risk-based capital ratio means the ratio of qualifying total capital to weighted risk assets., (2) Tier 1 risk-based capital ratio means the ratio of Tier 1 capital to weighted risk assets., (3) Leverage ratio means the ratio of Tier 1 capital to average total consolidated assets, as calculated in accordance with the capital adequacy guidelines of the correspondent's primary federal supervisor., (f) Calculation of capital ratios. (1) For a correspondent that is a U.S. depository institution, the ratios shall be calculated in accordance with the capital adequacy guidelines of the correspondent's primary federal supervisor., (2) For a correspondent that is a foreign bank organized in a country that has adopted the risk-based framework of the Basel Capital Accord, the ratios shall be calculated in accordance with the capital adequacy guidelines of the appropriate supervisory authority of the country in which the correspondent is chartered., (3) For a correspondent that is a foreign bank organized in a country that has not adopted the risk-based framework of the Basel Capital Accord, the ratios shall be calculated in accordance with the provisions of the Basel Capital Accord.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["206"],"part_title":["PART 206 - LIMITATIONS ON INTERBANK LIABILITIES (REGULATION F)"],"section":["206.5"],"section_title":["\u00a7 206.5 Capital levels of correspondents."]},"_input_hash":-1505592832,"_task_hash":-1538690507,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853525,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Purpose. This section is issued to assure that all state member banks establish and maintain procedures reasonably designed to assure and monitor their compliance with the provisions of the Bank Secrecy Act (31 U.S.C. 5311, et seq.) and the implementing regulations promulgated thereunder by the Department of Treasury at 31 CFR part 103, requiring recordkeeping and reporting of currency transactions., (b) Establishment of BSA compliance program - (1) Program requirement. Each bank shall develop and provide for the continued administration of a program reasonably designed to ensure and monitor compliance with the recordkeeping and reporting requirements set forth in subchapter II of chapter 53 of title 31, United States Code, the Bank Secrecy Act, and the implementing regulations promulgated thereunder by the Department of the Treasury at 31 CFR part 103. The compliance program shall be reduced to writing, approved by the board of directors, and noted in the minutes., (2) Customer identification program. Each bank is subject to the requirements of 31 U.S.C. 5318(l) and the implementing regulation jointly promulgated by the Board and the Department of the Treasury at 31 CFR 103.121, which require a customer identification program to be implemented as part of the BSA compliance program required under this section., (c) Contents of compliance program. The compliance program shall, at a minimum:, (1) Provide for a system of internal controls to assure ongoing compliance;, (2) Provide for independent testing for compliance to be conducted by bank personnel or by an outside party;, (3) Designate an individual or individuals responsible for coordinating and monitoring day-to-day compliance; and, (4) Provide training for appropriate personnel.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["208"],"part_title":["PART 208 - MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H)"],"section":["208.63"],"section_title":["\u00a7 208.63 Procedures for monitoring Bank Secrecy Act compliance."]},"_input_hash":670070093,"_task_hash":326872722,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853537,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"For purposes of this part, the term:, Minimum capital level means the lowest amount of capital meeting any regulation or orders issued pursuant to 12 U.S.C. 1426 and 12 U.S.C. 4612, or any similar requirement established by regulation, order or other action., Rescission means a removal in whole or in part of an increase in the temporary minimum capital level.","meta":{"chapter":["XII"],"chapter_title":["CHAPTER XII - FEDERAL HOUSING FINANCE AGENCY"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - ENTITY REGULATIONS"],"part":["1225"],"part_title":["PART 1225 - MINIMUM CAPITAL - TEMPORARY INCREASE"],"section":["1225.2"],"section_title":["\u00a7 1225.2 Definitions."]},"_input_hash":-452333294,"_task_hash":-741934469,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853557,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) In general. (1) A foreign savings and loan holding company subject to this subpart must:, (i) Be subject on a consolidated basis to a capital stress testing regime by its home-country supervisor that meets the requirements of paragraph (a)(2) of this section; and, (ii) Conduct such stress tests or be subject to a supervisory stress test and meet any minimum standards set by its home-country supervisor with respect to the stress tests., (2) The capital stress testing regime of a foreign savings and loan holding company's home-country supervisor must include:, (i) A supervisory capital stress test conducted by the relevant home-country supervisor or an evaluation and review by the home-country supervisor of an internal capital adequacy stress test conducted by the foreign savings and loan holding company, conducted on at least a biennial basis; and, (ii) Requirements for governance and controls of stress testing practices by relevant management and the board of directors (or equivalent thereof)., (b) Additional standards. (1) Unless the Board otherwise determines in writing, a foreign savings and loan holding company that does not meet each of the requirements in paragraphs (a)(1) and (2) of this section must:, (i) Conduct an annual stress test of its U.S. subsidiaries to determine whether those subsidiaries have the capital necessary to absorb losses as a result of adverse economic conditions; and, (ii) Report on at least a biennial basis a summary of the results of the stress test to the Board that includes a description of the types of risks included in the stress test, a description of the conditions or scenarios used in the stress test, a summary description of the methodologies used in the stress test, estimates of aggregate losses, pre-provision net revenue, total loan loss provisions, net income before taxes and pro forma regulatory capital ratios required to be computed by the home-country supervisor of the foreign savings and loan holding company and any other relevant capital ratios, and an explanation of the most significant causes for any changes in regulatory capital ratios., (2) An enterprise-wide stress test that is approved by the Board may meet the stress test requirement of paragraph (b)(1)(ii) of this section.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["238"],"part_title":["PART 238 - SAVINGS AND LOAN HOLDING COMPANIES (REGULATION LL)"],"section":["238.162"],"section_title":["\u00a7 238.162 Capital stress testing requirements."]},"_input_hash":820071816,"_task_hash":674895388,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CapitalRequirements"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853575,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"Each institution shall: , (a) Maintain at all times an allowance for loan losses that is determined according to generally accepted accounting principles. , (b) Develop, adopt, and consistently apply policies and procedures governing the establishment and maintenance of the allowance for loan losses which, at a minimum, conform to the rules, definitions, and standards set forth in this part and any other applicable requirements. , (c) Charge-off loans, wholly or partially, as appropriate, at the time they are determined to be uncollectible. , (d) Ensure that when an institution or the Farm Credit Administration determines that the value of a loan or other asset recorded on its books and records exceeds the amount that can reasonably be expected to be collectible, or when the documentation supporting the recorded asset value is inadequate, the institution shall immediately charge off the asset in the amount determined to be uncollectible. If the amount determined to be uncollectible by the institution is different from the amount determined to be uncollectible by the Farm Credit Administration, the institution shall charge off such amount as the Farm Credit Administration shall direct. ","meta":{"chapter":["VI"],"chapter_title":["CHAPTER VI - FARM CREDIT ADMINISTRATION"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - FARM CREDIT SYSTEM"],"part":["621"],"part_title":["PART 621 - ACCOUNTING AND REPORTING REQUIREMENTS"],"section":["621.5"],"section_title":["\u00a7 621.5 Accounting for the allowance for loan losses and chargeoffs."]},"_input_hash":2104374243,"_task_hash":-2129707060,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["RiskManagement"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853587,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Effective date. A cease-and-desist order issued by the Board of Directors after a hearing, and a cease-and-desist order issued based upon a default, shall become effective at the expiration of 30 days after the service of the order upon the bank or its official. A cease-and-desist order issued upon consent shall become effective at the time specified therein. All cease-and-desist orders shall remain effective and enforceable, except to the extent they are stayed, modified, terminated, or set aside by the Board of Directors or its designee or by a reviewing court. , (b) Service on banks. In cases where the bank is not the respondent, the cease-and-desist order shall also be served upon the bank. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - PROCEDURE AND RULES OF PRACTICE"],"part":["308"],"part_title":["PART 308 - RULES OF PRACTICE AND PROCEDURE"],"section":["308.130"],"section_title":["\u00a7 308.130 Effective date of order and service on bank."]},"_input_hash":-207141688,"_task_hash":-1581176420,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853599,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"The following transactions require the Board's prior approval under section 3 of the Bank Holding Company Act except as exempted under \u00a7 225.12 or as otherwise covered by \u00a7 225.17 of this subpart:, (a) Formation of bank holding company. Any action that causes a bank or other company to become a bank holding company., (b) Acquisition of subsidiary bank. Any action that causes a bank to become a subsidiary of a bank holding company., (c) Acquisition of control of bank or bank holding company securities. (1) The acquisition by a bank holding company of direct or indirect ownership or control of any voting securities of a bank or bank holding company, if the acquisition results in the company's control of more than 5 percent of the outstanding shares of any class of voting securities of the bank or bank holding company., (2) An acquisition includes the purchase of additional securities through the exercise of preemptive rights, but does not include securities received in a stock dividend or stock split that does not alter the bank holding company's proportional share of any class of voting securities., (d) Acquisition of bank assets. The acquisition by a bank holding company or by a subsidiary thereof (other than a bank) of all or substantially all of the assets of a bank., (e) Merger of bank holding companies. The merger or consolidation of bank holding companies, including a merger through the purchase of assets and assumption of liabilities., (f) Transactions by foreign banking organization. Any transaction described in paragraphs (a) through (e) of this section by a foreign banking organization that involves the acquisition of an interest in a U.S. bank or in a bank holding company for which application would be required if the foreign banking organization were a bank holding company.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["225"],"part_title":["PART 225 - BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y)"],"section":["225.11"],"section_title":["\u00a7 225.11 Transactions requiring Board approval."]},"_input_hash":226013527,"_task_hash":-635205439,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853707,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) You and any person who performs services for us must not provide preferential treatment to any person in your dealings with the public on our behalf. , (b) You must ensure that any person you employ to perform services for us is informed about their responsibilities under this part. , (c) You must disclose to us waste, fraud, abuse or corruption. Contact the Inspector General at 1-800-964-FDIC or Ighotline@fdic.gov., (d) You and any person who performs contract services to us must not: , (1) Accept or solicit for yourself or others any favor, gift, or other item of monetary value from any person who you reasonably believe is seeking an official action from you on our behalf, or has an interest that the performance or nonperformance of your duties to us may substantially affect;, (2) Use or allow the use of our property, except as specified in the contract; , (3) Make an unauthorized promise or commitment on our behalf; or , (4) Provide impermissible gifts or entertainment to an FDIC employee or other person providing services to us. , (e) The following are examples of when you are engaging in unethical behavior. These examples are not inclusive. , (1) Using government resources, including our Internet connection, to conduct any business that is unrelated to the performance of your contract with us. , (2) Submitting false invoices or claims, or making misleading or false statements. , (3) Committing us to forgive or restructure a debt or portion of a debt, unless we provide you with written authority to do so. ","meta":{"chapter":["III"],"chapter_title":["CHAPTER III - FEDERAL DEPOSIT INSURANCE CORPORATION (CONTINUED)"],"subchapter":["B"],"subchapter_title":["SUBCHAPTER B - REGULATIONS AND STATEMENTS OF GENERAL POLICY (CONTINUED)"],"part":["366"],"part_title":["PART 366 - MINIMUM STANDARDS OF INTEGRITY AND FITNESS FOR AN FDIC CONTRACTOR"],"section":["366.12"],"section_title":["\u00a7 366.12 What are the FDIC's minimum standards of ethical responsibility?"]},"_input_hash":-1521809183,"_task_hash":1210984908,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["CorporateGovernance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853719,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a) Payment. A receiving bank (other than a Federal Reserve Bank) that receives a payment order from its Federal Reserve Bank authorizes that Federal Reserve Bank to pay for the payment order by crediting the amount of the payment order to the receiving bank's account. , (b) Off-line banks. An off-line bank that does not expressly notify its Federal Reserve Bank in writing that it maintains an account for another bank warrants to that Federal Reserve Bank that the off-line bank does not act as an intermediary bank or a beneficiary's bank with respect to payment orders received through the Fedwire Funds Service for a beneficiary that is a bank. ","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"],"part":["210"],"part_title":["PART 210 - COLLECTION OF CHECKS AND OTHER ITEMS BY FEDERAL RESERVE BANKS AND FUNDS TRANSFERS THROUGH FEDWIRE (REGULATION J)"],"section":["210.29"],"section_title":["\u00a7 210.29 Agreement of receiving bank."]},"_input_hash":-2107026909,"_task_hash":1692083095,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853729,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
+{"text":"(a)(1) When the Board appeals and the case involves removal, separation, or suspension continuing beyond the date of the appeal, and when the administrative judge orders retroactive restoration, the Board shall comply with the decision to the extent of the temporary or conditional restoration of the employee to duty status in the position specified in the decision, pending the outcome of the Board appeal. The employee may decline the offer of interim relief. , (2) Service under the temporary or conditional restoration provisions of paragraph (a)(1) of this section shall be credited toward the completion of a probationary or trial period, eligibility for a within-grade increase, or the completion of the service requirement for career tenure, if the Commission upholds the decision on appeal. Such service shall not be credited toward the completion of any applicable probationary or trial period or the completion of the service requirement for career tenure if the Commission reverses the decision on appeal. , (3) When the Board appeals, it may delay the payment of any amount, other than prospective pay and benefits, ordered to be paid to the complainant until after the appeal is resolved. If the Board delays payment of any amount pending the outcome of the appeal and the resolution of the appeal requires the Board to make the payment, then the Board shall pay interest from the date of the original decision until payment is made., (4) The Board shall notify the Commission and the employee in writing at the same time it appeals that the relief it provides is temporary or conditional and, if applicable, that it will delay the payment of any amounts owed but will pay interest as specified in paragraph (b)(2) of this section. Failure of the Board to provide notification will result in the dismissal of the Board's appeal., (5) The Board may, by notice to the complainant, decline to return the complainant to his or her place of employment if it determines that the return or presence of the complainant will be unduly disruptive to the work environment. However, prospective pay and benefits must be provided. The determination not to return the complainant to his or her place of employment is not reviewable. A grant of interim relief does not insulate a complainant from subsequent disciplinary or adverse action., (b) If the Board files an appeal and has not provided required interim relief, the complainant may request dismissal of the Board's appeal. Any such request must be filed with the Office of Federal Operations within 25 days of the date of service of the Board's appeal. A copy of the request must be served on the Board at the same time it is filed with EEOC. The Board may respond with evidence and argument to the complainant's request to dismiss within 15 days of the date of service of the request.","meta":{"chapter":["II"],"chapter_title":["CHAPTER II - FEDERAL RESERVE SYSTEM (CONTINUED)"],"subchapter":["A"],"subchapter_title":["SUBCHAPTER A - BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)"],"part":["268"],"part_title":["PART 268 - RULES REGARDING EQUAL OPPORTUNITY"],"section":["268.505"],"section_title":["\u00a7 268.505 Interim relief."]},"_input_hash":-2124701661,"_task_hash":-235189036,"options":[{"id":"CapitalRequirements","text":"CapitalRequirements"},{"id":"ConsumerProtection","text":"ConsumerProtection"},{"id":"RiskManagement","text":"RiskManagement"},{"id":"ReportingAndCompliance","text":"ReportingAndCompliance"},{"id":"CorporateGovernance","text":"CorporateGovernance"}],"_view_id":"choice","accept":["ReportingAndCompliance"],"config":{"choice_style":"single"},"answer":"accept","_timestamp":1711853755,"_annotator_id":"2024-03-30_20-40-31","_session_id":"2024-03-30_20-40-31"}
diff --git a/data/train4465 b/data/train4465
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index 0000000000000000000000000000000000000000..b4b4c13a5c7474bcb28148391c29340c0711c604
--- /dev/null
+++ b/data/train4465
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+version https://git-lfs.github.com/spec/v1
+oid sha256:8719adeea447baeeb51c1188b58cb3646864db63fdb0962d903784061805c4f3
+size 17813388
diff --git a/data/train4465.jsonl b/data/train4465.jsonl
new file mode 100644
index 0000000000000000000000000000000000000000..8b137891791fe96927ad78e64b0aad7bded08bdc
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@@ -0,0 +1 @@
+
diff --git a/my_trained_model/config.cfg b/my_trained_model/config.cfg
new file mode 100644
index 0000000000000000000000000000000000000000..da4b85bf729f425f582acfaa37d5410982de8a08
--- /dev/null
+++ b/my_trained_model/config.cfg
@@ -0,0 +1,144 @@
+[paths]
+train = null
+dev = null
+vectors = null
+init_tok2vec = null
+
+[system]
+seed = 0
+gpu_allocator = null
+
+[nlp]
+lang = "en"
+pipeline = ["textcat_multilabel"]
+disabled = []
+before_creation = null
+after_creation = null
+after_pipeline_creation = null
+batch_size = 1000
+tokenizer = {"@tokenizers":"spacy.Tokenizer.v1"}
+vectors = {"@vectors":"spacy.Vectors.v1"}
+
+[components]
+
+[components.textcat_multilabel]
+factory = "textcat_multilabel"
+scorer = {"@scorers":"spacy.textcat_multilabel_scorer.v2"}
+threshold = 0.5
+
+[components.textcat_multilabel.model]
+@architectures = "spacy.TextCatEnsemble.v2"
+nO = null
+
+[components.textcat_multilabel.model.linear_model]
+@architectures = "spacy.TextCatBOW.v3"
+exclusive_classes = false
+length = 262144
+ngram_size = 1
+no_output_layer = false
+nO = null
+
+[components.textcat_multilabel.model.tok2vec]
+@architectures = "spacy.Tok2Vec.v2"
+
+[components.textcat_multilabel.model.tok2vec.embed]
+@architectures = "spacy.MultiHashEmbed.v2"
+width = 64
+rows = [2000,2000,500,1000,500]
+attrs = ["NORM","LOWER","PREFIX","SUFFIX","SHAPE"]
+include_static_vectors = false
+
+[components.textcat_multilabel.model.tok2vec.encode]
+@architectures = "spacy.MaxoutWindowEncoder.v2"
+width = 64
+window_size = 1
+maxout_pieces = 3
+depth = 2
+
+[corpora]
+
+[corpora.dev]
+@readers = "spacy.Corpus.v1"
+path = ${paths.dev}
+gold_preproc = false
+max_length = 0
+limit = 0
+augmenter = null
+
+[corpora.train]
+@readers = "spacy.Corpus.v1"
+path = ${paths.train}
+gold_preproc = false
+max_length = 0
+limit = 0
+augmenter = null
+
+[training]
+seed = ${system.seed}
+gpu_allocator = ${system.gpu_allocator}
+dropout = 0.1
+accumulate_gradient = 1
+patience = 1600
+max_epochs = 0
+max_steps = 20000
+eval_frequency = 200
+frozen_components = []
+annotating_components = []
+dev_corpus = "corpora.dev"
+train_corpus = "corpora.train"
+before_to_disk = null
+before_update = null
+
+[training.batcher]
+@batchers = "spacy.batch_by_words.v1"
+discard_oversize = false
+tolerance = 0.2
+get_length = null
+
+[training.batcher.size]
+@schedules = "compounding.v1"
+start = 100
+stop = 1000
+compound = 1.001
+t = 0.0
+
+[training.logger]
+@loggers = "spacy.ConsoleLogger.v1"
+progress_bar = false
+
+[training.optimizer]
+@optimizers = "Adam.v1"
+beta1 = 0.9
+beta2 = 0.999
+L2_is_weight_decay = true
+L2 = 0.01
+grad_clip = 1.0
+use_averages = false
+eps = 0.00000001
+learn_rate = 0.001
+
+[training.score_weights]
+cats_score = 1.0
+cats_score_desc = null
+cats_micro_p = null
+cats_micro_r = null
+cats_micro_f = null
+cats_macro_p = null
+cats_macro_r = null
+cats_macro_f = null
+cats_macro_auc = null
+cats_f_per_type = null
+
+[pretraining]
+
+[initialize]
+vectors = ${paths.vectors}
+init_tok2vec = ${paths.init_tok2vec}
+vocab_data = null
+lookups = null
+before_init = null
+after_init = null
+
+[initialize.components]
+
+[initialize.tokenizer]
\ No newline at end of file
diff --git a/my_trained_model/meta.json b/my_trained_model/meta.json
new file mode 100644
index 0000000000000000000000000000000000000000..4970e4e3fb3fb61439f6e8e55619006eadea5c85
--- /dev/null
+++ b/my_trained_model/meta.json
@@ -0,0 +1,37 @@
+{
+ "lang":"en",
+ "name":"pipeline",
+ "version":"0.0.0",
+ "spacy_version":">=3.7.4,<3.8.0",
+ "description":"",
+ "author":"",
+ "email":"",
+ "url":"",
+ "license":"",
+ "spacy_git_version":"bff8725f4",
+ "vectors":{
+ "width":0,
+ "vectors":0,
+ "keys":0,
+ "name":null,
+ "mode":"default"
+ },
+ "labels":{
+ "textcat_multilabel":[
+ "CapitalRequirements",
+ "ConsumerProtection",
+ "RiskManagement",
+ "ReportingAndCompliance",
+ "CorporateGovernance"
+ ]
+ },
+ "pipeline":[
+ "textcat_multilabel"
+ ],
+ "components":[
+ "textcat_multilabel"
+ ],
+ "disabled":[
+
+ ]
+}
\ No newline at end of file
diff --git a/my_trained_model/textcat_multilabel/cfg b/my_trained_model/textcat_multilabel/cfg
new file mode 100644
index 0000000000000000000000000000000000000000..69603743b165641f4c36cfb25ac2963b743d3c52
--- /dev/null
+++ b/my_trained_model/textcat_multilabel/cfg
@@ -0,0 +1,10 @@
+{
+ "labels":[
+ "CapitalRequirements",
+ "ConsumerProtection",
+ "RiskManagement",
+ "ReportingAndCompliance",
+ "CorporateGovernance"
+ ],
+ "threshold":0.5
+}
\ No newline at end of file
diff --git a/my_trained_model/textcat_multilabel/model b/my_trained_model/textcat_multilabel/model
new file mode 100644
index 0000000000000000000000000000000000000000..4c13a4b2e5d24564634cfd3b6e805d5568460592
--- /dev/null
+++ b/my_trained_model/textcat_multilabel/model
@@ -0,0 +1,3 @@
+version https://git-lfs.github.com/spec/v1
+oid sha256:751a05cb6506bfc482b5f47ed3a0c6adc6d0cb1d5b92d8e0dffcde9cc13007e0
+size 7384499
diff --git a/my_trained_model/tokenizer b/my_trained_model/tokenizer
new file mode 100644
index 0000000000000000000000000000000000000000..ba2f4615241984f45f222cb10735a0fb291f113b
--- /dev/null
+++ b/my_trained_model/tokenizer
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diff --git a/my_trained_model/vocab/strings.json b/my_trained_model/vocab/strings.json
new file mode 100644
index 0000000000000000000000000000000000000000..f57e296e1bac892e2e02dd9e2f000390b7925ba9
--- /dev/null
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+ "MRPs",
+ "MSA",
+ "MWDOBs",
+ "Ma'am",
+ "Mac",
+ "Made",
+ "Magnet",
+ "Maintain",
+ "Maintenance",
+ "Make",
+ "Making",
+ "Management",
+ "Mandatory",
+ "Mar",
+ "Mar.",
+ "March",
+ "Margin",
+ "Mariana",
+ "Market",
+ "Marketing",
+ "Marking",
+ "Mass",
+ "Mass.",
+ "Massachusetts",
+ "Master",
+ "Material",
+ "Matters",
+ "Maturing",
+ "Maximum",
+ "May",
+ "Ma\u2019am",
+ "Md",
+ "Md.",
+ "Means",
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+ "Members",
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+ "Messrs.",
+ "Method",
+ "Methods",
+ "Mich",
+ "Mich.",
+ "Michigan",
+ "Microfilm",
+ "Might",
+ "Minimum",
+ "Minn",
+ "Minn.",
+ "Minnesota",
+ "Minority",
+ "Mint",
+ "Mismatches",
+ "Miss",
+ "Miss.",
+ "Mississippi",
+ "Mo",
+ "Mo.",
+ "Modify",
+ "Monetary",
+ "Money",
+ "Monitor",
+ "Mont",
+ "Mont.",
+ "Monte",
+ "Mortgage",
+ "Motion",
+ "Motions",
+ "Mount",
+ "Mr",
+ "Mr.",
+ "Mrs",
+ "Mrs.",
+ "Ms",
+ "Ms.",
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+ "Mt.",
+ "Multi",
+ "Multiple",
+ "Multiplied",
+ "Multiplying",
+ "Must",
+ "N",
+ "N.C.",
+ "N.D.",
+ "N.H.",
+ "N.J.",
+ "N.M.",
+ "N.Y.",
+ "NASDAQ",
+ "NCUA",
+ "NCUSIF",
+ "NGEP",
+ "NGEPs",
+ "NST",
+ "National",
+ "Nations",
+ "Nature",
+ "Neb",
+ "Neb.",
+ "Nebr",
+ "Nebr.",
+ "Nebraska",
+ "Necessarily",
+ "Necessary",
+ "Need",
+ "Negotiated",
+ "Neither",
+ "Netting",
+ "Networking",
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+ "Nev.",
+ "Nevada",
+ "New",
+ "New Hampshire",
+ "New Jersey",
+ "New Mexico",
+ "New York",
+ "No",
+ "Nominal",
+ "Non",
+ "Nonbank",
+ "Nonidentifiable",
+ "Nonpublication",
+ "Nonshare",
+ "North",
+ "North Carolina",
+ "North Dakota",
+ "Northern",
+ "Not",
+ "Nothin",
+ "Nothin'",
+ "Nothing",
+ "Nothin\u2019",
+ "Notice",
+ "Notification",
+ "Notwithstanding",
+ "Nov",
+ "Nov.",
+ "November",
+ "Number",
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+ "Nuthin'",
+ "Nuthin\u2019",
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+ "O'clock",
+ "O.O",
+ "O.o",
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+ "OFHEO",
+ "OFI",
+ "OFIA",
+ "OIA",
+ "OLA",
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+ "OSMO",
+ "OSO",
+ "OTC",
+ "O_O",
+ "O_o",
+ "Obligations",
+ "Oct",
+ "Oct.",
+ "October",
+ "Off",
+ "Offering",
+ "Office",
+ "Officer",
+ "Officially",
+ "Okla",
+ "Okla.",
+ "Oklahoma",
+ "Ol",
+ "Ol'",
+ "Ol\u2019",
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+ "Omits",
+ "On",
+ "Once",
+ "One",
+ "Only",
+ "Operating",
+ "Operations",
+ "Opportunity",
+ "Option",
+ "Optional",
+ "Oral",
+ "Order",
+ "Ordering",
+ "Ore",
+ "Ore.",
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+ "Organizations",
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+ "Originators",
+ "Other",
+ "Otherwise",
+ "Ought",
+ "Outreach",
+ "Outstanding",
+ "Oversight",
+ "Own",
+ "Owners",
+ "Owns",
+ "Oxley",
+ "O\u2019clock",
+ "P",
+ "PD",
+ "Pa",
+ "Pa.",
+ "Paid",
+ "Panel",
+ "Paperwork",
+ "Paragraph",
+ "Parent",
+ "Part",
+ "Partial",
+ "Participant",
+ "Participants",
+ "Participating",
+ "Party",
+ "Pass",
+ "Pay",
+ "Paying",
+ "Payment",
+ "Payout",
+ "Payroll",
+ "Penalties",
+ "Pending",
+ "Pennsylvania",
+ "Performance",
+ "Person",
+ "Personal",
+ "Ph",
+ "Ph.D.",
+ "Place",
+ "Plan",
+ "Plans",
+ "Plausibly",
+ "Policies",
+ "Policy",
+ "Postal",
+ "Posting",
+ "Power",
+ "Practice",
+ "Practices",
+ "Preceded",
+ "Prepayment",
+ "Present",
+ "President",
+ "Presiding",
+ "Price",
+ "Principles",
+ "Prior",
+ "Privacy",
+ "Private",
+ "Privilege",
+ "Procedural",
+ "Procedure",
+ "Procedures",
+ "Proceedings",
+ "Processing",
+ "Production",
+ "Prof",
+ "Prof.",
+ "Program",
+ "Programs",
+ "Progress",
+ "Prohibited",
+ "Prohibiting",
+ "Prohibition",
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+ "Promptly",
+ "Proof",
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+ "Proposed",
+ "Protection",
+ "Provide",
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+ "Provides",
+ "Providing",
+ "Provision",
+ "Provisions",
+ "Pub",
+ "Public",
+ "Publication",
+ "Publicly",
+ "Puerto",
+ "Purchase",
+ "Purchases",
+ "Purpose",
+ "Pursuant",
+ "Q",
+ "QFC",
+ "QFCs",
+ "Qualification",
+ "Qualified",
+ "Qualifying",
+ "Quality",
+ "Questions",
+ "R",
+ "RESPA",
+ "RMSA",
+ "ROM",
+ "RPs",
+ "Rapid",
+ "Rate",
+ "Re",
+ "Readily",
+ "Real",
+ "Receipt",
+ "Receiver",
+ "Reclassification",
+ "Reclassify",
+ "Recognition",
+ "Recommendation",
+ "Reconstruction",
+ "Record",
+ "Records",
+ "Recovery",
+ "Redemption",
+ "Reduce",
+ "Reduction",
+ "Reductions",
+ "Referral",
+ "Reform",
+ "Regarding",
+ "Regardless",
+ "Regional",
+ "Register",
+ "Registration",
+ "Regular",
+ "Regulated",
+ "Regulation",
+ "Regulations",
+ "Regulatory",
+ "Reinvestment",
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+ "Reliance",
+ "Remainder",
+ "Remaining",
+ "Removal",
+ "Removing",
+ "Reorganization",
+ "Rep",
+ "Rep.",
+ "Report",
+ "Reporting",
+ "ReportingAndCompliance",
+ "Reports",
+ "Representatives",
+ "Repurchase",
+ "Request",
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+ "Requirements",
+ "Requiring",
+ "Rescission",
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+ "Reserved",
+ "Residential",
+ "Response",
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+ "Restricts",
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+ "Rev.",
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+ "RiskManagement",
+ "Rounding",
+ "Routine",
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+ "Sept.",
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+ "Shared",
+ "She",
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+ "She\u2019s",
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+ "Somethin\u2019",
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+ "Soundness",
+ "Sources",
+ "South Carolina",
+ "Special",
+ "Specifically",
+ "Sponsoring",
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+ "St.",
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+ "State",
+ "Statement",
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+ "States",
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+ "Steagall",
+ "Stock",
+ "Stockholder",
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+ "Summarize",
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+ "Sundays",
+ "Sunshine",
+ "Supervision",
+ "Supervisory",
+ "Supplement",
+ "Surcharge",
+ "Suspension",
+ "Swap",
+ "System",
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+ "T",
+ "T=\"01\">(b)(2)(ii",
+ "T=\"01\">(c)(3",
+ "T=\"04\">Federal",
+ "T=\"52\">M",
+ "T=\"52\">fx",
+ "T=\"52\">s",
+ "TLAC",
+ "Table",
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+ "Tenn.",
+ "Tennessee",
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+ "Treasuries",
+ "Treasury",
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+ "U.C.C.",
+ "U.S.",
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+ "U.S.C",
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+ "VIII",
+ "V_V",
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+ "Va.",
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+ "Vertical",
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+ "Vice",
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+ "Virginia",
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+ "Wash.",
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+ "X.X.",
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+ "X.X.X",
+ "X.X.X.",
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+ "Xx'xx",
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+ "Xxxx'x",
+ "Xxxx.",
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+ "Xxxxx'x",
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+ "Xxxxx@xxxx.xxx",
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+ "Xxxxx\u2019x",
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+ "Y-7Q",
+ "Y-7Q.",
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+ "Y-9C.",
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+ "You",
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+ "\u2019nuff",
+ "\u2019re",
+ "\u2019s",
+ "\u2019ve",
+ "\u2019x",
+ "\u2019xx",
+ "\u2019xxx",
+ "\u2019xxxx",
+ "\u2019y",
+ "\u2019\u2019",
+ "\u201c",
+ "\u201d",
+ "\u2212",
+ "\u2501",
+ "\u253b",
+ "\u253b\u2501\u253b",
+ "\u256f",
+ "\u25a1",
+ "\ufe35",
+ "\uff09"
+]
\ No newline at end of file
diff --git a/my_trained_model/vocab/vectors b/my_trained_model/vocab/vectors
new file mode 100644
index 0000000000000000000000000000000000000000..ebadaa58b83a76a8ce0dbf1b5a75d8fb4aa559ad
Binary files /dev/null and b/my_trained_model/vocab/vectors differ
diff --git a/my_trained_model/vocab/vectors.cfg b/my_trained_model/vocab/vectors.cfg
new file mode 100644
index 0000000000000000000000000000000000000000..32c800af499252db8a717fd27e02d8829f815368
--- /dev/null
+++ b/my_trained_model/vocab/vectors.cfg
@@ -0,0 +1,3 @@
+{
+ "mode":"default"
+}
\ No newline at end of file
diff --git a/output/experiment1/model-best/config.cfg b/output/experiment1/model-best/config.cfg
new file mode 100644
index 0000000000000000000000000000000000000000..4dba970847956c6d907b1158ded7e9551e3e0158
--- /dev/null
+++ b/output/experiment1/model-best/config.cfg
@@ -0,0 +1,123 @@
+[paths]
+train = null
+dev = null
+vectors = null
+init_tok2vec = null
+
+[system]
+gpu_allocator = null
+seed = 0
+
+[nlp]
+lang = "en"
+pipeline = ["textcat_multilabel"]
+batch_size = 1000
+disabled = []
+before_creation = null
+after_creation = null
+after_pipeline_creation = null
+tokenizer = {"@tokenizers":"spacy.Tokenizer.v1"}
+vectors = {"@vectors":"spacy.Vectors.v1"}
+
+[components]
+
+[components.textcat_multilabel]
+factory = "textcat_multilabel"
+scorer = {"@scorers":"spacy.textcat_multilabel_scorer.v2"}
+threshold = 0.5
+
+[components.textcat_multilabel.model]
+@architectures = "spacy.TextCatBOW.v3"
+exclusive_classes = false
+length = 262144
+ngram_size = 1
+no_output_layer = false
+nO = null
+
+[corpora]
+@readers = "prodigy.MergedCorpus.v1"
+eval_split = 0.2
+sample_size = 1.0
+ner = null
+textcat = null
+parser = null
+tagger = null
+senter = null
+spancat = null
+experimental_coref = null
+
+[corpora.textcat_multilabel]
+@readers = "prodigy.TextCatCorpus.v1"
+datasets = ["prodigy3train"]
+eval_datasets = ["golden3"]
+exclusive = false
+
+[training]
+dev_corpus = "corpora.dev"
+train_corpus = "corpora.train"
+seed = ${system.seed}
+gpu_allocator = ${system.gpu_allocator}
+dropout = 0.1
+accumulate_gradient = 1
+patience = 1600
+max_epochs = 0
+max_steps = 20000
+eval_frequency = 200
+frozen_components = []
+annotating_components = []
+before_to_disk = null
+before_update = null
+
+[training.batcher]
+@batchers = "spacy.batch_by_words.v1"
+discard_oversize = false
+tolerance = 0.2
+get_length = null
+
+[training.batcher.size]
+@schedules = "compounding.v1"
+start = 100
+stop = 1000
+compound = 1.001
+t = 0.0
+
+[training.logger]
+@loggers = "spacy.ConsoleLogger.v1"
+progress_bar = false
+
+[training.optimizer]
+@optimizers = "Adam.v1"
+beta1 = 0.9
+beta2 = 0.999
+L2_is_weight_decay = true
+L2 = 0.01
+grad_clip = 1.0
+use_averages = false
+eps = 0.00000001
+learn_rate = 0.001
+
+[training.score_weights]
+cats_score = 1.0
+cats_score_desc = null
+cats_micro_p = null
+cats_micro_r = null
+cats_micro_f = null
+cats_macro_p = null
+cats_macro_r = null
+cats_macro_f = null
+cats_macro_auc = null
+cats_f_per_type = null
+
+[pretraining]
+
+[initialize]
+vectors = ${paths.vectors}
+init_tok2vec = ${paths.init_tok2vec}
+vocab_data = null
+lookups = null
+before_init = null
+after_init = null
+
+[initialize.components]
+
+[initialize.tokenizer]
\ No newline at end of file
diff --git a/output/experiment1/model-best/meta.json b/output/experiment1/model-best/meta.json
new file mode 100644
index 0000000000000000000000000000000000000000..8a157c704c19a97cf682d00cbd1207e1333d6b9e
--- /dev/null
+++ b/output/experiment1/model-best/meta.json
@@ -0,0 +1,76 @@
+{
+ "lang":"en",
+ "name":"pipeline",
+ "version":"0.0.0",
+ "spacy_version":">=3.7.4,<3.8.0",
+ "description":"",
+ "author":"",
+ "email":"",
+ "url":"",
+ "license":"",
+ "spacy_git_version":"bff8725f4",
+ "vectors":{
+ "width":0,
+ "vectors":0,
+ "keys":0,
+ "name":null,
+ "mode":"default"
+ },
+ "labels":{
+ "textcat_multilabel":[
+ "ReportingAndCompliance",
+ "RiskManagement",
+ "ConsumerProtection",
+ "CapitalRequirements",
+ "CorporateGovernance"
+ ]
+ },
+ "pipeline":[
+ "textcat_multilabel"
+ ],
+ "components":[
+ "textcat_multilabel"
+ ],
+ "disabled":[
+
+ ],
+ "performance":{
+ "cats_score":0.6816181111,
+ "cats_score_desc":"macro AUC",
+ "cats_micro_p":0.5733333333,
+ "cats_micro_r":0.43,
+ "cats_micro_f":0.4914285714,
+ "cats_macro_p":0.5532884253,
+ "cats_macro_r":0.2839970528,
+ "cats_macro_f":0.3267018677,
+ "cats_macro_auc":0.6816181111,
+ "cats_f_per_type":{
+ "ReportingAndCompliance":{
+ "p":0.5762711864,
+ "r":0.7816091954,
+ "f":0.6634146341
+ },
+ "RiskManagement":{
+ "p":0.3846153846,
+ "r":0.1388888889,
+ "f":0.2040816327
+ },
+ "ConsumerProtection":{
+ "p":0.8888888889,
+ "r":0.32,
+ "f":0.4705882353
+ },
+ "CapitalRequirements":{
+ "p":0.25,
+ "r":0.0769230769,
+ "f":0.1176470588
+ },
+ "CorporateGovernance":{
+ "p":0.6666666667,
+ "r":0.1025641026,
+ "f":0.1777777778
+ }
+ },
+ "textcat_multilabel_loss":1.6235517708
+ }
+}
\ No newline at end of file
diff --git a/output/experiment1/model-best/textcat_multilabel/cfg b/output/experiment1/model-best/textcat_multilabel/cfg
new file mode 100644
index 0000000000000000000000000000000000000000..d85603cf1c3b0f1f65ba33606d4d9852623f2735
--- /dev/null
+++ b/output/experiment1/model-best/textcat_multilabel/cfg
@@ -0,0 +1,10 @@
+{
+ "labels":[
+ "ReportingAndCompliance",
+ "RiskManagement",
+ "ConsumerProtection",
+ "CapitalRequirements",
+ "CorporateGovernance"
+ ],
+ "threshold":0.5
+}
\ No newline at end of file
diff --git a/output/experiment1/model-best/textcat_multilabel/model b/output/experiment1/model-best/textcat_multilabel/model
new file mode 100644
index 0000000000000000000000000000000000000000..9a796950c0d820b81043d264390162a8520953e6
--- /dev/null
+++ b/output/experiment1/model-best/textcat_multilabel/model
@@ -0,0 +1,3 @@
+version https://git-lfs.github.com/spec/v1
+oid sha256:66875c06bfc5e82241fd380dc43becdacb60097f410a5f99aa2797982b1e3e67
+size 5243605
diff --git a/output/experiment1/model-best/tokenizer b/output/experiment1/model-best/tokenizer
new file mode 100644
index 0000000000000000000000000000000000000000..ba2f4615241984f45f222cb10735a0fb291f113b
--- /dev/null
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new file mode 100644
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diff --git a/output/experiment1/model-best/vocab/strings.json b/output/experiment1/model-best/vocab/strings.json
new file mode 100644
index 0000000000000000000000000000000000000000..c9a033bc884dbb55a29b629e04eed8664cca2467
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+++ b/output/experiment1/model-best/vocab/strings.json
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+ "Md.",
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+ "Measurable",
+ "Measure",
+ "Measurement",
+ "Mechanism",
+ "Medical",
+ "Meeting",
+ "Meetings",
+ "Meets",
+ "Member",
+ "Members",
+ "Membership",
+ "Memorandum",
+ "Merger",
+ "Mergers",
+ "Message",
+ "Messrs",
+ "Messrs.",
+ "Method",
+ "Methods",
+ "Mich",
+ "Mich.",
+ "Michigan",
+ "Microfilm",
+ "Might",
+ "Minbanc",
+ "Minimum",
+ "Minn",
+ "Minn.",
+ "Minnesota",
+ "Minority",
+ "Mint",
+ "Minutes",
+ "Miscellaneous",
+ "Mismatches",
+ "Miss",
+ "Miss.",
+ "Missing",
+ "Mississippi",
+ "Mo",
+ "Mo.",
+ "Moderately",
+ "Modification",
+ "Modified",
+ "Modify",
+ "Monetary",
+ "Money",
+ "Monitor",
+ "Monitoring",
+ "Monitors",
+ "Mont",
+ "Mont.",
+ "Monte",
+ "Monthly",
+ "More",
+ "Moreover",
+ "Mortgage",
+ "Mortgages",
+ "Motion",
+ "Motions",
+ "Mount",
+ "Mr",
+ "Mr.",
+ "Mrs",
+ "Mrs.",
+ "Ms",
+ "Ms.",
+ "Mt",
+ "Mt.",
+ "Multi",
+ "Multifamily",
+ "Multiple",
+ "Multiplied",
+ "Multiplying",
+ "Must",
+ "N",
+ "N.C.",
+ "N.D.",
+ "N.H.",
+ "N.J.",
+ "N.M.",
+ "N.Y.",
+ "NAIC",
+ "NASDAQ",
+ "NBA",
+ "NCA",
+ "NCAs",
+ "NCUA",
+ "NCUSIF",
+ "NGEP",
+ "NGEPs",
+ "NPL",
+ "NST",
+ "NW",
+ "NYSE",
+ "Name",
+ "National",
+ "Nations",
+ "Nature",
+ "Neb",
+ "Neb.",
+ "Nebr",
+ "Nebr.",
+ "Nebraska",
+ "Necessarily",
+ "Necessary",
+ "Need",
+ "Negotiated",
+ "Neither",
+ "Net",
+ "Netting",
+ "Networking",
+ "Nev",
+ "Nev.",
+ "Nevada",
+ "New",
+ "New Hampshire",
+ "New Jersey",
+ "New Mexico",
+ "New York",
+ "Next",
+ "No",
+ "Nominal",
+ "Nominations",
+ "Non",
+ "Nonbank",
+ "Noncommercial",
+ "None",
+ "Nonidentifiable",
+ "Nonperpetual",
+ "Nonpublication",
+ "Nonshare",
+ "North",
+ "North Carolina",
+ "North Dakota",
+ "Northern",
+ "Northwestern",
+ "Not",
+ "Nothin",
+ "Nothin'",
+ "Nothing",
+ "Nothin\u2019",
+ "Notice",
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+ "Notification",
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+ "Notify",
+ "Notwithstanding",
+ "Nov",
+ "Nov.",
+ "November",
+ "Number",
+ "Nuthin",
+ "Nuthin'",
+ "Nuthin\u2019",
+ "O",
+ "O'clock",
+ "O.O",
+ "O.o",
+ "OBI",
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+ "OC",
+ "OCIO",
+ "OECD",
+ "OF",
+ "OFHEO",
+ "OFI",
+ "OFIA",
+ "OIA",
+ "OIG",
+ "OLA",
+ "OMB",
+ "OMWI",
+ "OPM",
+ "OPs",
+ "OSMO",
+ "OSO",
+ "OTC",
+ "O_O",
+ "O_o",
+ "Objections",
+ "Objective",
+ "Obligations",
+ "Obligor",
+ "Obtaining",
+ "Oct",
+ "Oct.",
+ "October",
+ "Off",
+ "Offering",
+ "Office",
+ "Officer",
+ "Officers",
+ "Offices",
+ "Official",
+ "Officially",
+ "Okla",
+ "Okla.",
+ "Oklahoma",
+ "Ol",
+ "Ol'",
+ "Ol\u2019",
+ "Ombudsman",
+ "Omit",
+ "Omits",
+ "Omnibus",
+ "On",
+ "Once",
+ "One",
+ "Ongoing",
+ "Only",
+ "Open",
+ "Operating",
+ "Operational",
+ "Operations",
+ "Opportunity",
+ "Option",
+ "Optional",
+ "Oral",
+ "Order",
+ "Ordering",
+ "Ore",
+ "Ore.",
+ "Oregon",
+ "Organizations",
+ "Organized",
+ "Originated",
+ "Originating",
+ "Originator",
+ "Originators",
+ "Other",
+ "Otherwise",
+ "Ought",
+ "Outreach",
+ "Outstanding",
+ "Overdraft",
+ "Overdrafts",
+ "Oversight",
+ "Own",
+ "Owners",
+ "Ownership",
+ "Owns",
+ "Oxley",
+ "O\u2019clock",
+ "P",
+ "PAP",
+ "PCC",
+ "PD",
+ "PLS",
+ "PS",
+ "PSE",
+ "PSEs",
+ "Pa",
+ "Pa.",
+ "Paid",
+ "Panel",
+ "Paperwork",
+ "Paragraph",
+ "Parent",
+ "Part",
+ "Partial",
+ "Participant",
+ "Participants",
+ "Participating",
+ "Partnership",
+ "Party",
+ "Pass",
+ "Past",
+ "Pay",
+ "Paycheck",
+ "Paying",
+ "Payment",
+ "Payout",
+ "Payroll",
+ "Penalties",
+ "Pending",
+ "Pennsylvania",
+ "Performance",
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+ "Permissible",
+ "Permitted",
+ "Perpetual",
+ "Person",
+ "Personal",
+ "Petitions",
+ "Ph",
+ "Ph.D.",
+ "Place",
+ "Plan",
+ "Plans",
+ "Plausibly",
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+ "Policy",
+ "Portfolio",
+ "Possible",
+ "Post",
+ "Postal",
+ "Posting",
+ "Postsecondary",
+ "Potential",
+ "Power",
+ "Powers",
+ "Practice",
+ "Practices",
+ "Pre",
+ "Preceded",
+ "Preferred",
+ "Preliminary",
+ "Prepare",
+ "Preparing",
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+ "Presale",
+ "Prescribed",
+ "Present",
+ "Preserved",
+ "President",
+ "Presiding",
+ "Price",
+ "Principles",
+ "Printed",
+ "Prior",
+ "Privacy",
+ "Private",
+ "Privilege",
+ "Privileged",
+ "Privileges",
+ "Pro",
+ "Proactive",
+ "Probability",
+ "Procedural",
+ "Procedure",
+ "Procedures",
+ "Proceedings",
+ "Processing",
+ "Procurement",
+ "Product",
+ "Production",
+ "Prof",
+ "Prof.",
+ "Program",
+ "Programs",
+ "Progress",
+ "Prohibit",
+ "Prohibited",
+ "Prohibiting",
+ "Prohibition",
+ "Prompt",
+ "Promptly",
+ "Proof",
+ "Proposal",
+ "Proposed",
+ "Protection",
+ "Provide",
+ "Provided",
+ "Provides",
+ "Providing",
+ "Provision",
+ "Provisions",
+ "Proxies",
+ "Proxy",
+ "Pub",
+ "Public",
+ "Publication",
+ "Publicly",
+ "Puerto",
+ "Purchase",
+ "Purchaser",
+ "Purchases",
+ "Purpose",
+ "Purposes",
+ "Pursuant",
+ "Q",
+ "QCCP",
+ "QFC",
+ "QFCs",
+ "QLA",
+ "QRE",
+ "Qualification",
+ "Qualified",
+ "Qualifying",
+ "Qualitative",
+ "Quality",
+ "Quantitative",
+ "Quarterly",
+ "Quash",
+ "Questions",
+ "Quorum",
+ "R",
+ "REMIC",
+ "REMICs",
+ "RESPA",
+ "RMSA",
+ "ROM",
+ "RPL",
+ "RPs",
+ "Rapid",
+ "Rate",
+ "Re",
+ "Readily",
+ "Real",
+ "Reasonably",
+ "Receipt",
+ "Receive",
+ "Receiver",
+ "Reclassification",
+ "Reclassify",
+ "Recognition",
+ "Recommendation",
+ "Recommended",
+ "Reconstruction",
+ "Record",
+ "Recordkeeping",
+ "Records",
+ "Recovery",
+ "Recredit",
+ "Recuse",
+ "Redemption",
+ "Reduce",
+ "Reduction",
+ "Reductions",
+ "Reference",
+ "Referral",
+ "Reform",
+ "Refund",
+ "Regarding",
+ "Regardless",
+ "Region",
+ "Regional",
+ "Register",
+ "Registration",
+ "Registry",
+ "Regular",
+ "Regularly",
+ "Regulate",
+ "Regulated",
+ "Regulation",
+ "Regulations",
+ "Regulatory",
+ "Reinvestment",
+ "Relate",
+ "Related",
+ "Relation",
+ "Release",
+ "Relevance",
+ "Relevant",
+ "Reliance",
+ "Relief",
+ "Remainder",
+ "Remaining",
+ "Removal",
+ "Removing",
+ "Render",
+ "Rental",
+ "Reorganization",
+ "Rep",
+ "Rep.",
+ "Repayment",
+ "Repo",
+ "Report",
+ "Reporting",
+ "ReportingAndCompliance",
+ "Reports",
+ "Represent",
+ "Representative",
+ "Representatives",
+ "Repurchase",
+ "Request",
+ "Requester",
+ "Requests",
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+ "Requirement",
+ "Requirements",
+ "Requires",
+ "Requiring",
+ "Rescission",
+ "Research",
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+ "Reserved",
+ "Residential",
+ "Residual",
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+ "Response",
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+ "Responsibility",
+ "Restricted",
+ "Restricting",
+ "Restrictions",
+ "Restricts",
+ "Resubmission",
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+ "Retail",
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+ "Return",
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+ "Rev.",
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+ "Reversal",
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+ "Revolving",
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+ "Rights",
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+ "RiskManagement",
+ "Road",
+ "Role",
+ "Room",
+ "Rounding",
+ "Routine",
+ "Rule",
+ "Rules",
+ "Rural",
+ "S",
+ "S-8",
+ "S.A.F.E.",
+ "S.C",
+ "S.C.",
+ "SAs",
+ "SBA",
+ "SE",
+ "SEC",
+ "SEs",
+ "SFA",
+ "SHFA",
+ "SIB",
+ "SIC",
+ "SIF",
+ "SIPA",
+ "SIPC",
+ "SMO",
+ "SOP",
+ "SOs",
+ "SPA",
+ "SPC",
+ "SPE",
+ "SSA",
+ "SSFA",
+ "Safe",
+ "Safeguard",
+ "Safeguarding",
+ "Safety",
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+ "Sampling",
+ "Sarbanes",
+ "Satisfies",
+ "Satisfy",
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+ "Saturdays",
+ "Savings",
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+ "Schedule",
+ "Scheduling",
+ "Scope",
+ "Score",
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+ "Secondary",
+ "Secrecy",
+ "Secretary",
+ "Section",
+ "Sections",
+ "Securities",
+ "Securitization",
+ "Securitized",
+ "Securitizer",
+ "Security",
+ "See",
+ "Seek",
+ "Seeks",
+ "Self",
+ "Sells",
+ "Sen",
+ "Sen.",
+ "Senate",
+ "Send",
+ "Senior",
+ "Sep",
+ "Sep.",
+ "Separate",
+ "Separation",
+ "Sept",
+ "Sept.",
+ "September",
+ "Service",
+ "Servicer",
+ "Services",
+ "Servicing",
+ "Serving",
+ "Set",
+ "Settlement",
+ "Settlements",
+ "Seventh",
+ "Sha",
+ "Shall",
+ "Share",
+ "Shared",
+ "Shareholder",
+ "Shares",
+ "She",
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+ "Short-",
+ "Should",
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+ "Some",
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+ "Somethin'",
+ "Somethin\u2019",
+ "Sound",
+ "Soundness",
+ "Sources",
+ "South Carolina",
+ "Sovereign",
+ "Special",
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+ "Specifies",
+ "Specify",
+ "Spicewood",
+ "Sponsor",
+ "Sponsoring",
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+ "St.",
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+ "Staff",
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+ "Standby",
+ "Stat",
+ "State",
+ "Statement",
+ "Statements",
+ "States",
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+ "Statistics",
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+ "Stock",
+ "Stockholder",
+ "Stockholders",
+ "Stored",
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+ "Street",
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+ "Subject",
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+ "Substantial",
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+ "Such",
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+ "Sufficient",
+ "Suite",
+ "Summarize",
+ "Summary",
+ "Sunday",
+ "Sundays",
+ "Sunshine",
+ "Supervision",
+ "Supervisor",
+ "Supervisory",
+ "Supplement",
+ "Supreme",
+ "Surcharge",
+ "Suspension",
+ "Suspensions",
+ "Swap",
+ "System",
+ "Systemic",
+ "Systems",
+ "Systemwide",
+ "T",
+ "T=\"01\">(b)(2)(ii",
+ "T=\"01\">(c)(3",
+ "T=\"04\">Federal",
+ "T=\"52\">M",
+ "T=\"52\">fx",
+ "T=\"52\">s",
+ "TAs",
+ "TE",
+ "TLAC",
+ "TRADES",
+ "Table",
+ "Tables",
+ "Take",
+ "Taking",
+ "Tangible",
+ "Targeted",
+ "Tax",
+ "Technical",
+ "Technology",
+ "Temporary",
+ "Tenn",
+ "Tenn.",
+ "Tennessee",
+ "Term",
+ "Terminating",
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+ "Terms",
+ "Territories",
+ "Testimony",
+ "Testing",
+ "Texas",
+ "Text",
+ "That",
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+ "There's",
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+ "They",
+ "Third",
+ "This",
+ "This's",
+ "This\u2019s",
+ "Those",
+ "Three",
+ "Thrift",
+ "Through",
+ "Throughout",
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+ "Time",
+ "Timeliness",
+ "Timeshare",
+ "Timing",
+ "Title",
+ "To",
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+ "Top",
+ "Total",
+ "Tracks",
+ "Trade",
+ "Trading",
+ "Training",
+ "Transaction",
+ "Transactions",
+ "Transcript",
+ "Transfer",
+ "Transfers",
+ "Transition",
+ "Transparency",
+ "Travel",
+ "Treadway",
+ "Treasurer",
+ "Treasuries",
+ "Treasury",
+ "Treatment",
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+ "Trust",
+ "Trustee",
+ "Truth",
+ "Twice",
+ "Two",
+ "U",
+ "U.C.C.",
+ "U.S.",
+ "U.S.-based",
+ "U.S.C",
+ "U.S.C.",
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+ "USO",
+ "USPAP",
+ "Uncovered",
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+ "Underwrite",
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+ "Unincorporated",
+ "Uninsured",
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+ "United",
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+ "Unoccupied",
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+ "Use",
+ "Using",
+ "Utilize",
+ "V",
+ "V.V",
+ "VA",
+ "VII",
+ "VIII",
+ "V_V",
+ "Va",
+ "Va.",
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+ "Vaughn",
+ "Vault",
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+ "Verifying",
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+ "Videotaped",
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+ "Virginia",
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+ "Wages",
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+ "Waivers",
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+ "Wash",
+ "Wash.",
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+ "Wis.",
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+ "X&xxx;X.",
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+ "Y-7Q",
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+ "Y-9C.",
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\ No newline at end of file
diff --git a/output/experiment1/model-best/vocab/vectors b/output/experiment1/model-best/vocab/vectors
new file mode 100644
index 0000000000000000000000000000000000000000..ebadaa58b83a76a8ce0dbf1b5a75d8fb4aa559ad
Binary files /dev/null and b/output/experiment1/model-best/vocab/vectors differ
diff --git a/output/experiment1/model-best/vocab/vectors.cfg b/output/experiment1/model-best/vocab/vectors.cfg
new file mode 100644
index 0000000000000000000000000000000000000000..32c800af499252db8a717fd27e02d8829f815368
--- /dev/null
+++ b/output/experiment1/model-best/vocab/vectors.cfg
@@ -0,0 +1,3 @@
+{
+ "mode":"default"
+}
\ No newline at end of file
diff --git a/output/experiment1/model-last/config.cfg b/output/experiment1/model-last/config.cfg
new file mode 100644
index 0000000000000000000000000000000000000000..4dba970847956c6d907b1158ded7e9551e3e0158
--- /dev/null
+++ b/output/experiment1/model-last/config.cfg
@@ -0,0 +1,123 @@
+[paths]
+train = null
+dev = null
+vectors = null
+init_tok2vec = null
+
+[system]
+gpu_allocator = null
+seed = 0
+
+[nlp]
+lang = "en"
+pipeline = ["textcat_multilabel"]
+batch_size = 1000
+disabled = []
+before_creation = null
+after_creation = null
+after_pipeline_creation = null
+tokenizer = {"@tokenizers":"spacy.Tokenizer.v1"}
+vectors = {"@vectors":"spacy.Vectors.v1"}
+
+[components]
+
+[components.textcat_multilabel]
+factory = "textcat_multilabel"
+scorer = {"@scorers":"spacy.textcat_multilabel_scorer.v2"}
+threshold = 0.5
+
+[components.textcat_multilabel.model]
+@architectures = "spacy.TextCatBOW.v3"
+exclusive_classes = false
+length = 262144
+ngram_size = 1
+no_output_layer = false
+nO = null
+
+[corpora]
+@readers = "prodigy.MergedCorpus.v1"
+eval_split = 0.2
+sample_size = 1.0
+ner = null
+textcat = null
+parser = null
+tagger = null
+senter = null
+spancat = null
+experimental_coref = null
+
+[corpora.textcat_multilabel]
+@readers = "prodigy.TextCatCorpus.v1"
+datasets = ["prodigy3train"]
+eval_datasets = ["golden3"]
+exclusive = false
+
+[training]
+dev_corpus = "corpora.dev"
+train_corpus = "corpora.train"
+seed = ${system.seed}
+gpu_allocator = ${system.gpu_allocator}
+dropout = 0.1
+accumulate_gradient = 1
+patience = 1600
+max_epochs = 0
+max_steps = 20000
+eval_frequency = 200
+frozen_components = []
+annotating_components = []
+before_to_disk = null
+before_update = null
+
+[training.batcher]
+@batchers = "spacy.batch_by_words.v1"
+discard_oversize = false
+tolerance = 0.2
+get_length = null
+
+[training.batcher.size]
+@schedules = "compounding.v1"
+start = 100
+stop = 1000
+compound = 1.001
+t = 0.0
+
+[training.logger]
+@loggers = "spacy.ConsoleLogger.v1"
+progress_bar = false
+
+[training.optimizer]
+@optimizers = "Adam.v1"
+beta1 = 0.9
+beta2 = 0.999
+L2_is_weight_decay = true
+L2 = 0.01
+grad_clip = 1.0
+use_averages = false
+eps = 0.00000001
+learn_rate = 0.001
+
+[training.score_weights]
+cats_score = 1.0
+cats_score_desc = null
+cats_micro_p = null
+cats_micro_r = null
+cats_micro_f = null
+cats_macro_p = null
+cats_macro_r = null
+cats_macro_f = null
+cats_macro_auc = null
+cats_f_per_type = null
+
+[pretraining]
+
+[initialize]
+vectors = ${paths.vectors}
+init_tok2vec = ${paths.init_tok2vec}
+vocab_data = null
+lookups = null
+before_init = null
+after_init = null
+
+[initialize.components]
+
+[initialize.tokenizer]
\ No newline at end of file
diff --git a/output/experiment1/model-last/meta.json b/output/experiment1/model-last/meta.json
new file mode 100644
index 0000000000000000000000000000000000000000..d2b5c63d4a915dbebf3109c213a47740645f8093
--- /dev/null
+++ b/output/experiment1/model-last/meta.json
@@ -0,0 +1,76 @@
+{
+ "lang":"en",
+ "name":"pipeline",
+ "version":"0.0.0",
+ "spacy_version":">=3.7.4,<3.8.0",
+ "description":"",
+ "author":"",
+ "email":"",
+ "url":"",
+ "license":"",
+ "spacy_git_version":"bff8725f4",
+ "vectors":{
+ "width":0,
+ "vectors":0,
+ "keys":0,
+ "name":null,
+ "mode":"default"
+ },
+ "labels":{
+ "textcat_multilabel":[
+ "ReportingAndCompliance",
+ "RiskManagement",
+ "ConsumerProtection",
+ "CapitalRequirements",
+ "CorporateGovernance"
+ ]
+ },
+ "pipeline":[
+ "textcat_multilabel"
+ ],
+ "components":[
+ "textcat_multilabel"
+ ],
+ "disabled":[
+
+ ],
+ "performance":{
+ "cats_score":0.6721207381,
+ "cats_score_desc":"macro AUC",
+ "cats_micro_p":0.5766423358,
+ "cats_micro_r":0.395,
+ "cats_micro_f":0.46884273,
+ "cats_macro_p":0.5587931034,
+ "cats_macro_r":0.2496044798,
+ "cats_macro_f":0.285699885,
+ "cats_macro_auc":0.6721207381,
+ "cats_f_per_type":{
+ "ReportingAndCompliance":{
+ "p":0.5689655172,
+ "r":0.7586206897,
+ "f":0.6502463054
+ },
+ "RiskManagement":{
+ "p":0.5,
+ "r":0.0555555556,
+ "f":0.1
+ },
+ "ConsumerProtection":{
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+ "r":0.28,
+ "f":0.4242424242
+ },
+ "CapitalRequirements":{
+ "p":0.25,
+ "r":0.0769230769,
+ "f":0.1176470588
+ },
+ "CorporateGovernance":{
+ "p":0.6,
+ "r":0.0769230769,
+ "f":0.1363636364
+ }
+ },
+ "textcat_multilabel_loss":1.6399045964
+ }
+}
\ No newline at end of file
diff --git a/output/experiment1/model-last/textcat_multilabel/cfg b/output/experiment1/model-last/textcat_multilabel/cfg
new file mode 100644
index 0000000000000000000000000000000000000000..d85603cf1c3b0f1f65ba33606d4d9852623f2735
--- /dev/null
+++ b/output/experiment1/model-last/textcat_multilabel/cfg
@@ -0,0 +1,10 @@
+{
+ "labels":[
+ "ReportingAndCompliance",
+ "RiskManagement",
+ "ConsumerProtection",
+ "CapitalRequirements",
+ "CorporateGovernance"
+ ],
+ "threshold":0.5
+}
\ No newline at end of file
diff --git a/output/experiment1/model-last/textcat_multilabel/model b/output/experiment1/model-last/textcat_multilabel/model
new file mode 100644
index 0000000000000000000000000000000000000000..00b40992d719cb22bbff68da9506cb9961d23ac1
--- /dev/null
+++ b/output/experiment1/model-last/textcat_multilabel/model
@@ -0,0 +1,3 @@
+version https://git-lfs.github.com/spec/v1
+oid sha256:c5c793aa4aa9152a5ff0eb0fd8c9c2ad6f48af4c1062f6c1b8d1177914364ee7
+size 5243605
diff --git a/output/experiment1/model-last/tokenizer b/output/experiment1/model-last/tokenizer
new file mode 100644
index 0000000000000000000000000000000000000000..ba2f4615241984f45f222cb10735a0fb291f113b
--- /dev/null
+++ b/output/experiment1/model-last/tokenizer
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new file mode 100644
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\ No newline at end of file
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index 0000000000000000000000000000000000000000..c66317f8d354f32911b0beb802a18ab12b6507c9
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diff --git a/output/experiment1/model-last/vocab/strings.json b/output/experiment1/model-last/vocab/strings.json
new file mode 100644
index 0000000000000000000000000000000000000000..c9a033bc884dbb55a29b629e04eed8664cca2467
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+++ b/output/experiment1/model-last/vocab/strings.json
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+ "Md.",
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+ "Measurable",
+ "Measure",
+ "Measurement",
+ "Mechanism",
+ "Medical",
+ "Meeting",
+ "Meetings",
+ "Meets",
+ "Member",
+ "Members",
+ "Membership",
+ "Memorandum",
+ "Merger",
+ "Mergers",
+ "Message",
+ "Messrs",
+ "Messrs.",
+ "Method",
+ "Methods",
+ "Mich",
+ "Mich.",
+ "Michigan",
+ "Microfilm",
+ "Might",
+ "Minbanc",
+ "Minimum",
+ "Minn",
+ "Minn.",
+ "Minnesota",
+ "Minority",
+ "Mint",
+ "Minutes",
+ "Miscellaneous",
+ "Mismatches",
+ "Miss",
+ "Miss.",
+ "Missing",
+ "Mississippi",
+ "Mo",
+ "Mo.",
+ "Moderately",
+ "Modification",
+ "Modified",
+ "Modify",
+ "Monetary",
+ "Money",
+ "Monitor",
+ "Monitoring",
+ "Monitors",
+ "Mont",
+ "Mont.",
+ "Monte",
+ "Monthly",
+ "More",
+ "Moreover",
+ "Mortgage",
+ "Mortgages",
+ "Motion",
+ "Motions",
+ "Mount",
+ "Mr",
+ "Mr.",
+ "Mrs",
+ "Mrs.",
+ "Ms",
+ "Ms.",
+ "Mt",
+ "Mt.",
+ "Multi",
+ "Multifamily",
+ "Multiple",
+ "Multiplied",
+ "Multiplying",
+ "Must",
+ "N",
+ "N.C.",
+ "N.D.",
+ "N.H.",
+ "N.J.",
+ "N.M.",
+ "N.Y.",
+ "NAIC",
+ "NASDAQ",
+ "NBA",
+ "NCA",
+ "NCAs",
+ "NCUA",
+ "NCUSIF",
+ "NGEP",
+ "NGEPs",
+ "NPL",
+ "NST",
+ "NW",
+ "NYSE",
+ "Name",
+ "National",
+ "Nations",
+ "Nature",
+ "Neb",
+ "Neb.",
+ "Nebr",
+ "Nebr.",
+ "Nebraska",
+ "Necessarily",
+ "Necessary",
+ "Need",
+ "Negotiated",
+ "Neither",
+ "Net",
+ "Netting",
+ "Networking",
+ "Nev",
+ "Nev.",
+ "Nevada",
+ "New",
+ "New Hampshire",
+ "New Jersey",
+ "New Mexico",
+ "New York",
+ "Next",
+ "No",
+ "Nominal",
+ "Nominations",
+ "Non",
+ "Nonbank",
+ "Noncommercial",
+ "None",
+ "Nonidentifiable",
+ "Nonperpetual",
+ "Nonpublication",
+ "Nonshare",
+ "North",
+ "North Carolina",
+ "North Dakota",
+ "Northern",
+ "Northwestern",
+ "Not",
+ "Nothin",
+ "Nothin'",
+ "Nothing",
+ "Nothin\u2019",
+ "Notice",
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+ "Notification",
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+ "Notify",
+ "Notwithstanding",
+ "Nov",
+ "Nov.",
+ "November",
+ "Number",
+ "Nuthin",
+ "Nuthin'",
+ "Nuthin\u2019",
+ "O",
+ "O'clock",
+ "O.O",
+ "O.o",
+ "OBI",
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+ "OC",
+ "OCIO",
+ "OECD",
+ "OF",
+ "OFHEO",
+ "OFI",
+ "OFIA",
+ "OIA",
+ "OIG",
+ "OLA",
+ "OMB",
+ "OMWI",
+ "OPM",
+ "OPs",
+ "OSMO",
+ "OSO",
+ "OTC",
+ "O_O",
+ "O_o",
+ "Objections",
+ "Objective",
+ "Obligations",
+ "Obligor",
+ "Obtaining",
+ "Oct",
+ "Oct.",
+ "October",
+ "Off",
+ "Offering",
+ "Office",
+ "Officer",
+ "Officers",
+ "Offices",
+ "Official",
+ "Officially",
+ "Okla",
+ "Okla.",
+ "Oklahoma",
+ "Ol",
+ "Ol'",
+ "Ol\u2019",
+ "Ombudsman",
+ "Omit",
+ "Omits",
+ "Omnibus",
+ "On",
+ "Once",
+ "One",
+ "Ongoing",
+ "Only",
+ "Open",
+ "Operating",
+ "Operational",
+ "Operations",
+ "Opportunity",
+ "Option",
+ "Optional",
+ "Oral",
+ "Order",
+ "Ordering",
+ "Ore",
+ "Ore.",
+ "Oregon",
+ "Organizations",
+ "Organized",
+ "Originated",
+ "Originating",
+ "Originator",
+ "Originators",
+ "Other",
+ "Otherwise",
+ "Ought",
+ "Outreach",
+ "Outstanding",
+ "Overdraft",
+ "Overdrafts",
+ "Oversight",
+ "Own",
+ "Owners",
+ "Ownership",
+ "Owns",
+ "Oxley",
+ "O\u2019clock",
+ "P",
+ "PAP",
+ "PCC",
+ "PD",
+ "PLS",
+ "PS",
+ "PSE",
+ "PSEs",
+ "Pa",
+ "Pa.",
+ "Paid",
+ "Panel",
+ "Paperwork",
+ "Paragraph",
+ "Parent",
+ "Part",
+ "Partial",
+ "Participant",
+ "Participants",
+ "Participating",
+ "Partnership",
+ "Party",
+ "Pass",
+ "Past",
+ "Pay",
+ "Paycheck",
+ "Paying",
+ "Payment",
+ "Payout",
+ "Payroll",
+ "Penalties",
+ "Pending",
+ "Pennsylvania",
+ "Performance",
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+ "Permissible",
+ "Permitted",
+ "Perpetual",
+ "Person",
+ "Personal",
+ "Petitions",
+ "Ph",
+ "Ph.D.",
+ "Place",
+ "Plan",
+ "Plans",
+ "Plausibly",
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+ "Policy",
+ "Portfolio",
+ "Possible",
+ "Post",
+ "Postal",
+ "Posting",
+ "Postsecondary",
+ "Potential",
+ "Power",
+ "Powers",
+ "Practice",
+ "Practices",
+ "Pre",
+ "Preceded",
+ "Preferred",
+ "Preliminary",
+ "Prepare",
+ "Preparing",
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+ "Presale",
+ "Prescribed",
+ "Present",
+ "Preserved",
+ "President",
+ "Presiding",
+ "Price",
+ "Principles",
+ "Printed",
+ "Prior",
+ "Privacy",
+ "Private",
+ "Privilege",
+ "Privileged",
+ "Privileges",
+ "Pro",
+ "Proactive",
+ "Probability",
+ "Procedural",
+ "Procedure",
+ "Procedures",
+ "Proceedings",
+ "Processing",
+ "Procurement",
+ "Product",
+ "Production",
+ "Prof",
+ "Prof.",
+ "Program",
+ "Programs",
+ "Progress",
+ "Prohibit",
+ "Prohibited",
+ "Prohibiting",
+ "Prohibition",
+ "Prompt",
+ "Promptly",
+ "Proof",
+ "Proposal",
+ "Proposed",
+ "Protection",
+ "Provide",
+ "Provided",
+ "Provides",
+ "Providing",
+ "Provision",
+ "Provisions",
+ "Proxies",
+ "Proxy",
+ "Pub",
+ "Public",
+ "Publication",
+ "Publicly",
+ "Puerto",
+ "Purchase",
+ "Purchaser",
+ "Purchases",
+ "Purpose",
+ "Purposes",
+ "Pursuant",
+ "Q",
+ "QCCP",
+ "QFC",
+ "QFCs",
+ "QLA",
+ "QRE",
+ "Qualification",
+ "Qualified",
+ "Qualifying",
+ "Qualitative",
+ "Quality",
+ "Quantitative",
+ "Quarterly",
+ "Quash",
+ "Questions",
+ "Quorum",
+ "R",
+ "REMIC",
+ "REMICs",
+ "RESPA",
+ "RMSA",
+ "ROM",
+ "RPL",
+ "RPs",
+ "Rapid",
+ "Rate",
+ "Re",
+ "Readily",
+ "Real",
+ "Reasonably",
+ "Receipt",
+ "Receive",
+ "Receiver",
+ "Reclassification",
+ "Reclassify",
+ "Recognition",
+ "Recommendation",
+ "Recommended",
+ "Reconstruction",
+ "Record",
+ "Recordkeeping",
+ "Records",
+ "Recovery",
+ "Recredit",
+ "Recuse",
+ "Redemption",
+ "Reduce",
+ "Reduction",
+ "Reductions",
+ "Reference",
+ "Referral",
+ "Reform",
+ "Refund",
+ "Regarding",
+ "Regardless",
+ "Region",
+ "Regional",
+ "Register",
+ "Registration",
+ "Registry",
+ "Regular",
+ "Regularly",
+ "Regulate",
+ "Regulated",
+ "Regulation",
+ "Regulations",
+ "Regulatory",
+ "Reinvestment",
+ "Relate",
+ "Related",
+ "Relation",
+ "Release",
+ "Relevance",
+ "Relevant",
+ "Reliance",
+ "Relief",
+ "Remainder",
+ "Remaining",
+ "Removal",
+ "Removing",
+ "Render",
+ "Rental",
+ "Reorganization",
+ "Rep",
+ "Rep.",
+ "Repayment",
+ "Repo",
+ "Report",
+ "Reporting",
+ "ReportingAndCompliance",
+ "Reports",
+ "Represent",
+ "Representative",
+ "Representatives",
+ "Repurchase",
+ "Request",
+ "Requester",
+ "Requests",
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+ "Requirement",
+ "Requirements",
+ "Requires",
+ "Requiring",
+ "Rescission",
+ "Research",
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+ "Reserved",
+ "Residential",
+ "Residual",
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+ "Response",
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+ "Responsibility",
+ "Restricted",
+ "Restricting",
+ "Restrictions",
+ "Restricts",
+ "Resubmission",
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+ "Retail",
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+ "Return",
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+ "Rev.",
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+ "Reversal",
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+ "Revolving",
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+ "Rights",
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+ "RiskManagement",
+ "Road",
+ "Role",
+ "Room",
+ "Rounding",
+ "Routine",
+ "Rule",
+ "Rules",
+ "Rural",
+ "S",
+ "S-8",
+ "S.A.F.E.",
+ "S.C",
+ "S.C.",
+ "SAs",
+ "SBA",
+ "SE",
+ "SEC",
+ "SEs",
+ "SFA",
+ "SHFA",
+ "SIB",
+ "SIC",
+ "SIF",
+ "SIPA",
+ "SIPC",
+ "SMO",
+ "SOP",
+ "SOs",
+ "SPA",
+ "SPC",
+ "SPE",
+ "SSA",
+ "SSFA",
+ "Safe",
+ "Safeguard",
+ "Safeguarding",
+ "Safety",
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+ "Sampling",
+ "Sarbanes",
+ "Satisfies",
+ "Satisfy",
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+ "Saturdays",
+ "Savings",
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+ "Schedule",
+ "Scheduling",
+ "Scope",
+ "Score",
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+ "Secondary",
+ "Secrecy",
+ "Secretary",
+ "Section",
+ "Sections",
+ "Securities",
+ "Securitization",
+ "Securitized",
+ "Securitizer",
+ "Security",
+ "See",
+ "Seek",
+ "Seeks",
+ "Self",
+ "Sells",
+ "Sen",
+ "Sen.",
+ "Senate",
+ "Send",
+ "Senior",
+ "Sep",
+ "Sep.",
+ "Separate",
+ "Separation",
+ "Sept",
+ "Sept.",
+ "September",
+ "Service",
+ "Servicer",
+ "Services",
+ "Servicing",
+ "Serving",
+ "Set",
+ "Settlement",
+ "Settlements",
+ "Seventh",
+ "Sha",
+ "Shall",
+ "Share",
+ "Shared",
+ "Shareholder",
+ "Shares",
+ "She",
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+ "Short-",
+ "Should",
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+ "Some",
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+ "Somethin'",
+ "Somethin\u2019",
+ "Sound",
+ "Soundness",
+ "Sources",
+ "South Carolina",
+ "Sovereign",
+ "Special",
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+ "Specifies",
+ "Specify",
+ "Spicewood",
+ "Sponsor",
+ "Sponsoring",
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+ "St.",
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+ "Staff",
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+ "Standby",
+ "Stat",
+ "State",
+ "Statement",
+ "Statements",
+ "States",
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+ "Statistics",
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+ "Stock",
+ "Stockholder",
+ "Stockholders",
+ "Stored",
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+ "Street",
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+ "Subject",
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+ "Substantial",
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+ "Such",
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+ "Sufficient",
+ "Suite",
+ "Summarize",
+ "Summary",
+ "Sunday",
+ "Sundays",
+ "Sunshine",
+ "Supervision",
+ "Supervisor",
+ "Supervisory",
+ "Supplement",
+ "Supreme",
+ "Surcharge",
+ "Suspension",
+ "Suspensions",
+ "Swap",
+ "System",
+ "Systemic",
+ "Systems",
+ "Systemwide",
+ "T",
+ "T=\"01\">(b)(2)(ii",
+ "T=\"01\">(c)(3",
+ "T=\"04\">Federal",
+ "T=\"52\">M",
+ "T=\"52\">fx",
+ "T=\"52\">s",
+ "TAs",
+ "TE",
+ "TLAC",
+ "TRADES",
+ "Table",
+ "Tables",
+ "Take",
+ "Taking",
+ "Tangible",
+ "Targeted",
+ "Tax",
+ "Technical",
+ "Technology",
+ "Temporary",
+ "Tenn",
+ "Tenn.",
+ "Tennessee",
+ "Term",
+ "Terminating",
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+ "Terms",
+ "Territories",
+ "Testimony",
+ "Testing",
+ "Texas",
+ "Text",
+ "That",
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+ "There's",
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+ "They",
+ "Third",
+ "This",
+ "This's",
+ "This\u2019s",
+ "Those",
+ "Three",
+ "Thrift",
+ "Through",
+ "Throughout",
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+ "Time",
+ "Timeliness",
+ "Timeshare",
+ "Timing",
+ "Title",
+ "To",
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+ "Top",
+ "Total",
+ "Tracks",
+ "Trade",
+ "Trading",
+ "Training",
+ "Transaction",
+ "Transactions",
+ "Transcript",
+ "Transfer",
+ "Transfers",
+ "Transition",
+ "Transparency",
+ "Travel",
+ "Treadway",
+ "Treasurer",
+ "Treasuries",
+ "Treasury",
+ "Treatment",
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+ "Trust",
+ "Trustee",
+ "Truth",
+ "Twice",
+ "Two",
+ "U",
+ "U.C.C.",
+ "U.S.",
+ "U.S.-based",
+ "U.S.C",
+ "U.S.C.",
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+ "USO",
+ "USPAP",
+ "Uncovered",
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+ "Underwrite",
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+ "Unincorporated",
+ "Uninsured",
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+ "United",
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+ "Unoccupied",
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+ "Use",
+ "Using",
+ "Utilize",
+ "V",
+ "V.V",
+ "VA",
+ "VII",
+ "VIII",
+ "V_V",
+ "Va",
+ "Va.",
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+ "Vaughn",
+ "Vault",
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+ "Verifying",
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+ "Videotaped",
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+ "Virginia",
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+ "Wages",
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+ "Waivers",
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+ "Wash",
+ "Wash.",
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+ "Wis.",
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+ "X&xxx;X.",
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+ "Y-7Q",
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+ "Y-9C.",
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+]
\ No newline at end of file
diff --git a/output/experiment1/model-last/vocab/vectors b/output/experiment1/model-last/vocab/vectors
new file mode 100644
index 0000000000000000000000000000000000000000..ebadaa58b83a76a8ce0dbf1b5a75d8fb4aa559ad
Binary files /dev/null and b/output/experiment1/model-last/vocab/vectors differ
diff --git a/output/experiment1/model-last/vocab/vectors.cfg b/output/experiment1/model-last/vocab/vectors.cfg
new file mode 100644
index 0000000000000000000000000000000000000000..32c800af499252db8a717fd27e02d8829f815368
--- /dev/null
+++ b/output/experiment1/model-last/vocab/vectors.cfg
@@ -0,0 +1,3 @@
+{
+ "mode":"default"
+}
\ No newline at end of file
diff --git a/output/experiment3/model-best/config.cfg b/output/experiment3/model-best/config.cfg
new file mode 100644
index 0000000000000000000000000000000000000000..fa7640a07a59a224fb7c3f0087f93d4cea57935c
--- /dev/null
+++ b/output/experiment3/model-best/config.cfg
@@ -0,0 +1,123 @@
+[paths]
+train = null
+dev = null
+vectors = null
+init_tok2vec = null
+
+[system]
+gpu_allocator = null
+seed = 0
+
+[nlp]
+lang = "en"
+pipeline = ["textcat_multilabel"]
+batch_size = 1000
+disabled = []
+before_creation = null
+after_creation = null
+after_pipeline_creation = null
+tokenizer = {"@tokenizers":"spacy.Tokenizer.v1"}
+vectors = {"@vectors":"spacy.Vectors.v1"}
+
+[components]
+
+[components.textcat_multilabel]
+factory = "textcat_multilabel"
+scorer = {"@scorers":"spacy.textcat_multilabel_scorer.v2"}
+threshold = 0.5
+
+[components.textcat_multilabel.model]
+@architectures = "spacy.TextCatBOW.v3"
+exclusive_classes = false
+length = 262144
+ngram_size = 1
+no_output_layer = false
+nO = null
+
+[corpora]
+@readers = "prodigy.MergedCorpus.v1"
+eval_split = 0.2
+sample_size = 1.0
+ner = null
+textcat = null
+parser = null
+tagger = null
+senter = null
+spancat = null
+experimental_coref = null
+
+[corpora.textcat_multilabel]
+@readers = "prodigy.TextCatCorpus.v1"
+datasets = ["prodigy3trainComplete"]
+eval_datasets = ["golden3"]
+exclusive = false
+
+[training]
+dev_corpus = "corpora.dev"
+train_corpus = "corpora.train"
+seed = ${system.seed}
+gpu_allocator = ${system.gpu_allocator}
+dropout = 0.1
+accumulate_gradient = 1
+patience = 1600
+max_epochs = 0
+max_steps = 20000
+eval_frequency = 200
+frozen_components = []
+annotating_components = []
+before_to_disk = null
+before_update = null
+
+[training.batcher]
+@batchers = "spacy.batch_by_words.v1"
+discard_oversize = false
+tolerance = 0.2
+get_length = null
+
+[training.batcher.size]
+@schedules = "compounding.v1"
+start = 100
+stop = 1000
+compound = 1.001
+t = 0.0
+
+[training.logger]
+@loggers = "spacy.ConsoleLogger.v1"
+progress_bar = false
+
+[training.optimizer]
+@optimizers = "Adam.v1"
+beta1 = 0.9
+beta2 = 0.999
+L2_is_weight_decay = true
+L2 = 0.01
+grad_clip = 1.0
+use_averages = false
+eps = 0.00000001
+learn_rate = 0.001
+
+[training.score_weights]
+cats_score = 1.0
+cats_score_desc = null
+cats_micro_p = null
+cats_micro_r = null
+cats_micro_f = null
+cats_macro_p = null
+cats_macro_r = null
+cats_macro_f = null
+cats_macro_auc = null
+cats_f_per_type = null
+
+[pretraining]
+
+[initialize]
+vectors = ${paths.vectors}
+init_tok2vec = ${paths.init_tok2vec}
+vocab_data = null
+lookups = null
+before_init = null
+after_init = null
+
+[initialize.components]
+
+[initialize.tokenizer]
\ No newline at end of file
diff --git a/output/experiment3/model-best/meta.json b/output/experiment3/model-best/meta.json
new file mode 100644
index 0000000000000000000000000000000000000000..fe9e0c1fd6cd60772ec0da8353c34347aed462c7
--- /dev/null
+++ b/output/experiment3/model-best/meta.json
@@ -0,0 +1,76 @@
+{
+ "lang":"en",
+ "name":"pipeline",
+ "version":"0.0.0",
+ "spacy_version":">=3.7.4,<3.8.0",
+ "description":"",
+ "author":"",
+ "email":"",
+ "url":"",
+ "license":"",
+ "spacy_git_version":"bff8725f4",
+ "vectors":{
+ "width":0,
+ "vectors":0,
+ "keys":0,
+ "name":null,
+ "mode":"default"
+ },
+ "labels":{
+ "textcat_multilabel":[
+ "ReportingAndCompliance",
+ "RiskManagement",
+ "CorporateGovernance",
+ "ConsumerProtection",
+ "CapitalRequirements"
+ ]
+ },
+ "pipeline":[
+ "textcat_multilabel"
+ ],
+ "components":[
+ "textcat_multilabel"
+ ],
+ "disabled":[
+
+ ],
+ "performance":{
+ "cats_score":0.6666065494,
+ "cats_score_desc":"macro AUC",
+ "cats_micro_p":0.5655172414,
+ "cats_micro_r":0.41,
+ "cats_micro_f":0.4753623188,
+ "cats_macro_p":0.4818093983,
+ "cats_macro_r":0.3034341291,
+ "cats_macro_f":0.3364965788,
+ "cats_macro_auc":0.6666065494,
+ "cats_f_per_type":{
+ "ReportingAndCompliance":{
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+ "r":0.7356321839,
+ "f":0.6336633663
+ },
+ "RiskManagement":{
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+ "r":0.0,
+ "f":0.0
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+ "r":0.1538461538,
+ "f":0.2448979592
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+ "ConsumerProtection":{
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+ "r":0.32,
+ "f":0.4705882353
+ },
+ "CapitalRequirements":{
+ "p":0.3636363636,
+ "r":0.3076923077,
+ "f":0.3333333333
+ }
+ },
+ "textcat_multilabel_loss":5.5886714846
+ }
+}
\ No newline at end of file
diff --git a/output/experiment3/model-best/textcat_multilabel/cfg b/output/experiment3/model-best/textcat_multilabel/cfg
new file mode 100644
index 0000000000000000000000000000000000000000..84a4f3b4996a2b3ad3b5ae00b2e5b77a617c17b0
--- /dev/null
+++ b/output/experiment3/model-best/textcat_multilabel/cfg
@@ -0,0 +1,10 @@
+{
+ "labels":[
+ "ReportingAndCompliance",
+ "RiskManagement",
+ "CorporateGovernance",
+ "ConsumerProtection",
+ "CapitalRequirements"
+ ],
+ "threshold":0.5
+}
\ No newline at end of file
diff --git a/output/experiment3/model-best/textcat_multilabel/model b/output/experiment3/model-best/textcat_multilabel/model
new file mode 100644
index 0000000000000000000000000000000000000000..df354f5272b363af3b40f1bb39161ff99d4aee07
--- /dev/null
+++ b/output/experiment3/model-best/textcat_multilabel/model
@@ -0,0 +1,3 @@
+version https://git-lfs.github.com/spec/v1
+oid sha256:68eabace7fa139e2c4718b21023267b33c58c60734cebba8f78e5e332771aa67
+size 5243605
diff --git a/output/experiment3/model-best/tokenizer b/output/experiment3/model-best/tokenizer
new file mode 100644
index 0000000000000000000000000000000000000000..ba2f4615241984f45f222cb10735a0fb291f113b
--- /dev/null
+++ b/output/experiment3/model-best/tokenizer
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+size 1
diff --git a/output/experiment3/model-best/vocab/strings.json b/output/experiment3/model-best/vocab/strings.json
new file mode 100644
index 0000000000000000000000000000000000000000..3f50213663f3edee8fd61b8dc0aa9eae43350b0d
--- /dev/null
+++ b/output/experiment3/model-best/vocab/strings.json
@@ -0,0 +1,31043 @@
+[
+ "\t",
+ "\n",
+ " ",
+ " ",
+ " ",
+ " ",
+ "\"",
+ "\"51",
+ "\">$",
+ "\">%",
+ "\">0",
+ "\">1",
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+ "\">i",
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+ "\">l",
+ "\">m",
+ "\">o",
+ "\">p",
+ "\">r",
+ "\">s",
+ "\">t",
+ "#",
+ "$",
+ "%",
+ "%",
+ "(*_*)",
+ "(-8",
+ "(-:",
+ "(-;",
+ "(-_-)",
+ "(-d",
+ "(._.)",
+ "(10",
+ "(11",
+ "(12",
+ "(13",
+ "(14",
+ "(15",
+ "(16",
+ "(17",
+ "(18",
+ "(19",
+ "(20",
+ "(21",
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+ "(24",
+ "(25",
+ "(26",
+ "(27",
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+ "(29",
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+ "(47",
+ "(48",
+ "(49",
+ "(53",
+ "(55",
+ "(67",
+ "(68",
+ "(71",
+ "(77",
+ "(79",
+ "(:",
+ "(;",
+ "(_<)",
+ "(AA",
+ "(Es",
+ "(II",
+ "(IV",
+ "(IX",
+ "(VI",
+ "(XI",
+ "(^_^)",
+ "(aa",
+ "(bb",
+ "(dd",
+ "(ee",
+ "(es",
+ "(ii",
+ "(iv",
+ "(ix",
+ "(o:",
+ "(vi",
+ "(x:",
+ "(x_x)",
+ "(xi",
+ "(xv",
+ "(\u00ac_\u00ac)",
+ "(\u0ca0_\u0ca0)",
+ "(\u256f\u00b0\u25a1\u00b0\uff09\u256f\ufe35\u253b\u2501\u253b",
+ ")",
+ ")(1",
+ ")(2",
+ ")(3",
+ ")(4",
+ ")(5",
+ ")(6",
+ ")(7",
+ ")(8",
+ ")(9",
+ ")(A",
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+ ")(C",
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+ ")(F",
+ ")(G",
+ ")(H",
+ ")(I",
+ ")(K",
+ ")(M",
+ ")(Q",
+ ")(V",
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+ ")(a",
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+ ")(e",
+ ")(g",
+ ")(i",
+ ")(m",
+ ")(v",
+ ")(x",
+ ")))",
+ "),3",
+ ")-1",
+ ")-8",
+ ")-:",
+ ").1",
+ ").2",
+ ")/\u00af",
+ "):",
+ ");1",
+ ")if",
+ ")of",
+ "*",
+ "*30",
+ "*50",
+ "*52",
+ "*60",
+ "*80",
+ "*",
+ ":-D",
+ ":-O",
+ ":-P",
+ ":-X",
+ ":-]",
+ ":-d",
+ ":-o",
+ ":-p",
+ ":-x",
+ ":-|",
+ ":-}",
+ ":/",
+ ":0",
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+ ":1",
+ ":3",
+ ":30",
+ ":>",
+ ":D",
+ ":O",
+ ":P",
+ ":X",
+ ":]",
+ ":d",
+ ":o",
+ ":o)",
+ ":p",
+ ":x",
+ ":x)",
+ ":|",
+ ":}",
+ ":\u2019(",
+ ":\u2019)",
+ ":\u2019-(",
+ ":\u2019-)",
+ ";",
+ ";)",
+ ";-)",
+ ";-D",
+ ";-X",
+ ";-d",
+ ";11",
+ ";20",
+ ";D",
+ ";I.",
+ ";T.",
+ ";X",
+ ";_;",
+ ";d",
+ "<",
+ "<.<",
+ "",
+ "",
+ "=",
+ "=(",
+ "=)",
+ "=/",
+ "=3",
+ "=D",
+ "=X",
+ "=[",
+ "=]",
+ "=cm",
+ "=d",
+ "=|",
+ ">",
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+ ">(f",
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+ ">CM",
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+ ">N.",
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+ ">fx",
+ ">iv",
+ ">os",
+ ">th",
+ "?",
+ "@",
+ "@_@",
+ "A",
+ "A&B",
+ "A&B&C",
+ "A&C",
+ "A(6",
+ "A(8",
+ "A(9",
+ "A(a",
+ "A(b",
+ "A(c",
+ "A(d",
+ "A(e",
+ "A(f",
+ "A(g",
+ "A(k",
+ "A(m",
+ "A)(1",
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+ "A-3",
+ "A-3(b",
+ "A-4",
+ "A-5",
+ "A-6",
+ "A-7(a",
+ "A-7(b",
+ "A-8",
+ "A-9",
+ "A.",
+ "A.1",
+ "A.M.",
+ "A2",
+ "AACL",
+ "AAP",
+ "AAS",
+ "AB",
+ "ABC",
+ "ABCP",
+ "ABS",
+ "AC",
+ "ACCORDANCE",
+ "ACCOUNT",
+ "ACCOUNTS",
+ "ACCREDITED",
+ "ACE",
+ "ACH",
+ "ACK",
+ "ACL",
+ "ACT",
+ "ACY",
+ "ADA",
+ "ADDITIONS",
+ "ADE",
+ "ADEA",
+ "ADMINISTRATION",
+ "ADR",
+ "ADs",
+ "AEA",
+ "AFS",
+ "AG",
+ "AGAINST",
+ "AGE",
+ "AGENCY",
+ "AGGREGATE",
+ "AHAR",
+ "AHARs",
+ "AHP",
+ "AIC",
+ "AICPA",
+ "AID",
+ "AIDS",
+ "AIF",
+ "AIR",
+ "AJA",
+ "ALCO",
+ "ALE",
+ "ALJ",
+ "ALL",
+ "ALLL",
+ "ALSO",
+ "ALs",
+ "AMA",
+ "AMAC",
+ "AMC",
+ "AMCs",
+ "AME",
+ "AMEND",
+ "AMENDED",
+ "AMIS",
+ "AMLF",
+ "AMONG",
+ "AMOUNT",
+ "AMOUNTS",
+ "AN",
+ "ANA",
+ "AND",
+ "ANOTHER",
+ "ANS",
+ "ANT",
+ "ANY",
+ "AOB",
+ "AOCI",
+ "APA",
+ "APPEAL",
+ "APPLICABLE",
+ "APPLICATION",
+ "APPLIED",
+ "APR",
+ "APRs",
+ "APY",
+ "APs",
+ "ARA",
+ "ARD",
+ "ARE",
+ "ARM",
+ "ARP",
+ "ART",
+ "ARs",
+ "AS",
+ "ASB",
+ "ASC",
+ "ASD",
+ "ASF",
+ "AT",
+ "AT&T",
+ "AT&T.",
+ "AT1",
+ "ATA",
+ "ATE",
+ "ATM",
+ "ATMs",
+ "ATRR",
+ "ATS",
+ "ATTACHMENT",
+ "ATTN",
+ "AUD",
+ "AVE",
+ "AWS",
+ "Abandoned",
+ "Abandonment",
+ "Abbreviated",
+ "Abide",
+ "Ability",
+ "Able",
+ "About",
+ "Absence",
+ "Absent",
+ "Abundance",
+ "Abuse",
+ "Ac2",
+ "AcSEC",
+ "Accelerated",
+ "Accelerating",
+ "Acceleration",
+ "Accept",
+ "Acceptable",
+ "Acceptance",
+ "Acceptances",
+ "Accepted",
+ "Accepting",
+ "Accepts",
+ "Access",
+ "Accessibility",
+ "Accommodates",
+ "Accommodation",
+ "Accompanied",
+ "Accord",
+ "Accordance",
+ "According",
+ "Accordingly",
+ "Account",
+ "Accountability",
+ "Accountant",
+ "Accountants",
+ "Accounting",
+ "Accounts",
+ "Accredited",
+ "Accrual",
+ "Accrue",
+ "Accrued",
+ "Accumulated",
+ "Accuracy",
+ "Accurate",
+ "Accurately",
+ "Achieve",
+ "Achievement",
+ "Acknowledge",
+ "Acknowledgement",
+ "Acknowledgment",
+ "Acquire",
+ "Acquired",
+ "Acquiree",
+ "Acquirer",
+ "Acquires",
+ "Acquiring",
+ "Acquisition",
+ "Acquisitions",
+ "Act",
+ "Act)(12",
+ "Act.1",
+ "Actand",
+ "Acting",
+ "Action",
+ "Actions",
+ "Active",
+ "Activities",
+ "Activity",
+ "Acts",
+ "Actual",
+ "Actually",
+ "Actuarial",
+ "Add",
+ "Adding",
+ "Addition",
+ "Additional",
+ "Additionally",
+ "Additions",
+ "Address",
+ "Addresses",
+ "Adelphi",
+ "Adequacy",
+ "Adequate",
+ "Adequately",
+ "Adhere",
+ "Adjacent",
+ "Adjudication",
+ "Adjudications",
+ "Adjudicative",
+ "Adjudicatory",
+ "Adjust",
+ "Adjustable",
+ "Adjusted",
+ "Adjusting",
+ "Adjustment",
+ "Adjustments",
+ "Adm",
+ "Adm.",
+ "Administer",
+ "Administers",
+ "Administration",
+ "Administrative",
+ "Administrator",
+ "Administrators",
+ "Admissibility",
+ "Admissions",
+ "Admit",
+ "Admitted",
+ "Adopt",
+ "Adopting",
+ "Adoption",
+ "Advance",
+ "Advanced",
+ "Advancement",
+ "Advances",
+ "Adversary",
+ "Adverse",
+ "Adversely",
+ "Advertise",
+ "Advertisement",
+ "Advertisements",
+ "Advertising",
+ "Advice",
+ "Advise",
+ "Adviser",
+ "Advisers",
+ "Advises",
+ "Advising",
+ "Advisor",
+ "Advisors",
+ "Advisory",
+ "Advocating",
+ "Affairs",
+ "Affect",
+ "Affects",
+ "Affidavit",
+ "Affiliate",
+ "Affiliated",
+ "Affiliates",
+ "Affiliation",
+ "Affirm",
+ "Affirmative",
+ "Afford",
+ "Affordability",
+ "Affordable",
+ "Affords",
+ "Africa",
+ "African",
+ "After",
+ "AgVantage",
+ "Again",
+ "Against",
+ "Age",
+ "Agencies",
+ "Agency",
+ "Agenda",
+ "Agent",
+ "Agents",
+ "AggEL",
+ "AggEL%",
+ "AggUPB",
+ "Aggregate",
+ "Aggregated",
+ "Aggregating",
+ "Aggregation",
+ "Aggregations",
+ "Aggrieved",
+ "Agnew",
+ "Agree",
+ "Agreeing",
+ "Agreement",
+ "Agreements",
+ "Agrees",
+ "Agricultural",
+ "Agriculturally",
+ "Agriculture",
+ "Agross",
+ "Ai",
+ "Aid",
+ "Airmen",
+ "Ak",
+ "Ak.",
+ "Ala",
+ "Ala.",
+ "Alabama",
+ "Alarm",
+ "Alaska",
+ "Alaskan",
+ "Albemarle",
+ "Alert",
+ "Alexandria",
+ "Align",
+ "Alimony",
+ "All",
+ "Allegations",
+ "Alleged",
+ "Allocated",
+ "Allocating",
+ "Allocation",
+ "Allow",
+ "Allowance",
+ "Allowances",
+ "Allowed",
+ "Allowing",
+ "Allows",
+ "Along",
+ "Already",
+ "Also",
+ "Alter",
+ "Alteration",
+ "Alterations",
+ "Altering",
+ "Alternate",
+ "Alternates",
+ "Alternative",
+ "Alternatively",
+ "Alternatives",
+ "Although",
+ "Amend",
+ "Amended",
+ "Amending",
+ "Amendment",
+ "Amendments",
+ "Amends",
+ "Amer",
+ "America",
+ "American",
+ "Americans",
+ "Among",
+ "Amortization",
+ "Amortized",
+ "Amortizing",
+ "Amount",
+ "Amounts",
+ "An",
+ "Analyses",
+ "Analysis",
+ "Analytical",
+ "Analytics",
+ "Analyze",
+ "Ancillary",
+ "And",
+ "Anet",
+ "Angelina",
+ "Ann",
+ "Annex",
+ "Annexes",
+ "Announced",
+ "Announcement",
+ "Annual",
+ "Annually",
+ "Annuity",
+ "Annunzio",
+ "Anonymous",
+ "Another",
+ "Answer",
+ "Answering",
+ "Answers",
+ "Anti",
+ "Anticipated",
+ "Anticoercion",
+ "Antitrust",
+ "Any",
+ "Anyone",
+ "Anytown",
+ "Apart",
+ "App",
+ "Appalachia",
+ "Appalachian",
+ "Apparent",
+ "Apparently",
+ "Appeal",
+ "Appeals",
+ "Appear",
+ "Appearance",
+ "Appearances",
+ "Appears",
+ "Appellants",
+ "Appendices",
+ "Appendix",
+ "Applicability",
+ "Applicable",
+ "Applicant",
+ "Applicants",
+ "Application",
+ "Applications",
+ "Applies",
+ "Apply",
+ "Applying",
+ "Appointed",
+ "Appointment",
+ "Appraisal",
+ "Appraisals",
+ "Appraise",
+ "Appraiser",
+ "Appraisers",
+ "Approach",
+ "Appropriate",
+ "Appropriateness",
+ "Appropriation",
+ "Appropriations",
+ "Approval",
+ "Approvals",
+ "Approve",
+ "Approved",
+ "Approves",
+ "Approving",
+ "Approximately",
+ "Apr",
+ "Apr.",
+ "April",
+ "Arbitrage",
+ "Arbitration",
+ "Arbitrators",
+ "Archer",
+ "Architectural",
+ "Archives",
+ "Archivist",
+ "Are",
+ "Area",
+ "Area(s",
+ "Areas",
+ "Arises",
+ "Ariz",
+ "Ariz.",
+ "Arizona",
+ "Ark",
+ "Ark.",
+ "Arkansas",
+ "Arlington",
+ "Arm",
+ "Armed",
+ "Armory",
+ "Arrange",
+ "Arrangement",
+ "Arrangements",
+ "Arranges",
+ "Arranging",
+ "Article",
+ "Articles",
+ "As",
+ "Asia",
+ "Asian",
+ "Aside",
+ "Ask",
+ "Asked",
+ "Asking",
+ "Ass'n",
+ "Ass'ns",
+ "Asserts",
+ "Assess",
+ "Assessed",
+ "Assesses",
+ "Assessing",
+ "Assessment",
+ "Assessments",
+ "Asset",
+ "Assets",
+ "Assign",
+ "Assigned",
+ "Assigning",
+ "Assignment",
+ "Assist",
+ "Assistance",
+ "Assistant",
+ "Associate",
+ "Associated",
+ "Association",
+ "Associations",
+ "Assume",
+ "Assumed",
+ "Assuming",
+ "Assumption",
+ "Assumptions",
+ "Assurances",
+ "Assure",
+ "Assured",
+ "Assuring",
+ "At",
+ "Attached",
+ "Attachment",
+ "Attempting",
+ "Attendance",
+ "Attending",
+ "Attention",
+ "Attn",
+ "Attorney",
+ "Attorneys",
+ "Attribute",
+ "Attribution",
+ "Audit",
+ "Audited",
+ "Auditing",
+ "Auditors",
+ "Audits",
+ "Aug",
+ "Aug.",
+ "August",
+ "Augustine",
+ "Austin",
+ "Australian",
+ "Authoritative",
+ "Authorities",
+ "Authority",
+ "Authorization",
+ "Authorize",
+ "Authorized",
+ "Authorizes",
+ "Authorizing",
+ "Auto",
+ "Automated",
+ "Automatic",
+ "Automobile",
+ "Auxiliary",
+ "Availability",
+ "Available",
+ "Ave",
+ "Avenue",
+ "Average",
+ "Aviation",
+ "Avoid",
+ "Avoidance",
+ "Avoids",
+ "Award",
+ "Awards",
+ "B",
+ "B(7",
+ "B(b",
+ "B(c",
+ "B(e",
+ "B(f",
+ "B(i",
+ "B(l",
+ "B)(1",
+ "B)(1)(i",
+ "B-1",
+ "B-10",
+ "B-2",
+ "B-5",
+ "B-83",
+ "B.",
+ "BA",
+ "BACK",
+ "BACKED",
+ "BASED",
+ "BASIS",
+ "BAs",
+ "BB",
+ "BBSW",
+ "BCA",
+ "BCP",
+ "BE",
+ "BEEN",
+ "BEING",
+ "BELIEVE",
+ "BELIEVES",
+ "BER",
+ "BESA",
+ "BEs",
+ "BFs",
+ "BGFRS",
+ "BGFRS-1",
+ "BGFRS-10",
+ "BGFRS-11",
+ "BGFRS-13",
+ "BGFRS-14",
+ "BGFRS-18",
+ "BGFRS-2",
+ "BGFRS-21",
+ "BGFRS-25",
+ "BGFRS-31",
+ "BGFRS-32",
+ "BGFRS-36",
+ "BGFRS-37",
+ "BGFRS-4",
+ "BGFRS-43",
+ "BGFRS-5",
+ "BHC",
+ "BHCA",
+ "BHCs",
+ "BIA",
+ "BIC",
+ "BIF",
+ "BLE",
+ "BLS",
+ "BLY",
+ "BOARD",
+ "BOPEC",
+ "BOR",
+ "BP",
+ "BPs",
+ "BRM",
+ "BS",
+ "BSA",
+ "BSW",
+ "BSs",
+ "BULLETIN",
+ "BY",
+ "Back",
+ "Backed",
+ "Background",
+ "Backtest",
+ "Backtesting",
+ "Balance",
+ "Balanced",
+ "Balances",
+ "Balloon",
+ "Ballot",
+ "Ballots",
+ "Bank",
+ "Bank(s",
+ "Banker",
+ "Bankers",
+ "Banking",
+ "Bankruptcy",
+ "Banks",
+ "Bar",
+ "Barclays",
+ "Barnard",
+ "Barriers",
+ "Base",
+ "Based",
+ "Basel",
+ "Baseline",
+ "Basic",
+ "Basis",
+ "Basle",
+ "Bastrop",
+ "Bayerische",
+ "Be",
+ "Bear",
+ "Bears",
+ "Became",
+ "Because",
+ "Become",
+ "Becomes",
+ "Been",
+ "Before",
+ "Beginning",
+ "Beginningthe",
+ "Begins",
+ "Being",
+ "Benchmarking",
+ "Bend",
+ "Beneficial",
+ "Beneficiaries",
+ "Beneficiary",
+ "Benefit",
+ "Benefits",
+ "Best",
+ "Bet",
+ "Between",
+ "Beutel",
+ "Biennial",
+ "Bill",
+ "Billing",
+ "Bills",
+ "Binding",
+ "Biographical",
+ "Birthday",
+ "Black",
+ "Blank",
+ "Bliley",
+ "Blind",
+ "Block",
+ "Blue",
+ "Board",
+ "Board;11",
+ "Boards",
+ "Boldface",
+ "Bona",
+ "Bond",
+ "Bonds",
+ "Bonus",
+ "Bonuses",
+ "Book",
+ "Bookkeeping",
+ "Books",
+ "Border",
+ "Borland",
+ "Borrow",
+ "Borrower",
+ "Borrowers",
+ "Borrowing",
+ "Borrowings",
+ "Both",
+ "Bottom",
+ "Boundary",
+ "Box",
+ "Brackets",
+ "Brailled",
+ "Branch",
+ "Branches",
+ "Branching",
+ "Brannan",
+ "Brazoria",
+ "Brazos",
+ "Breach",
+ "Breaches",
+ "Bretton",
+ "Bridge",
+ "Briefly",
+ "Briefs",
+ "Broad",
+ "Broadcast",
+ "Brochure",
+ "Broker",
+ "Brokerage",
+ "Brokered",
+ "Brokers",
+ "Bros",
+ "Bros.",
+ "Brownfield",
+ "Budget",
+ "Buffer",
+ "Buffers",
+ "Building",
+ "Bull",
+ "Bulletin",
+ "Bulletins",
+ "Burden",
+ "Burdened",
+ "Bureau",
+ "Burleson",
+ "Burning",
+ "Business",
+ "But",
+ "Buy",
+ "Buyer",
+ "Buying",
+ "By",
+ "Bylaws",
+ "B\u2212L",
+ "C",
+ "C'm",
+ "C)(1",
+ "C++",
+ "C.",
+ "C.O.D.",
+ "CA",
+ "CAD",
+ "CAIVRS",
+ "CAMEL",
+ "CAMELS",
+ "CAMELSO",
+ "CAN",
+ "CAP",
+ "CART",
+ "CAs",
+ "CBC",
+ "CBCA",
+ "CC",
+ "CCF",
+ "CCFs",
+ "CCP",
+ "CCPs",
+ "CCR",
+ "CCS",
+ "CCULR",
+ "CD",
+ "CDA",
+ "CDAs",
+ "CDCI",
+ "CDFI",
+ "CDFIs",
+ "CDOR",
+ "CDRLF",
+ "CDS",
+ "CDs",
+ "CEA",
+ "CEBA",
+ "CECL",
+ "CED",
+ "CEIO",
+ "CEIOs",
+ "CEM",
+ "CEN",
+ "CEO",
+ "CEOs",
+ "CER",
+ "CERTIFICATION",
+ "CERTIFICATIONS",
+ "CET1",
+ "CF",
+ "CFI",
+ "CFO",
+ "CFP",
+ "CFPB",
+ "CFR",
+ "CFTC",
+ "CFs",
+ "CHF",
+ "CHILDREN",
+ "CIA",
+ "CIC",
+ "CICA",
+ "CIDI",
+ "CIDIs",
+ "CIO",
+ "CIP",
+ "CISR",
+ "CIT",
+ "CLAIMS",
+ "CLF",
+ "CLO",
+ "CLOs",
+ "CLTV",
+ "CM",
+ "CMBS",
+ "CMO",
+ "CMOs",
+ "CMP",
+ "CMRS",
+ "CMT",
+ "CMs",
+ "CO",
+ "COA",
+ "COL",
+ "COLLATERAL",
+ "COLOR",
+ "COMPLAINT",
+ "COMPLIANCE",
+ "CONFIDENTIAL",
+ "CONFIRM",
+ "CONVERTS",
+ "CORRESPONDING",
+ "COSO",
+ "COVER",
+ "COVID-19",
+ "COs",
+ "CPA",
+ "CPI",
+ "CPR",
+ "CPR3",
+ "CPs",
+ "CRA",
+ "CRC",
+ "CRCs",
+ "CRE",
+ "CREDIT",
+ "CRO",
+ "CRT",
+ "CRT80NotF15",
+ "CRTA",
+ "CRTF15",
+ "CRTMthstoMaturity",
+ "CRTs",
+ "CSE",
+ "CTS",
+ "CU-13",
+ "CU-5",
+ "CUA",
+ "CURRENTLY",
+ "CUS",
+ "CUSO",
+ "CUSO(s",
+ "CUSOs",
+ "CUs",
+ "CVA",
+ "CVFR",
+ "CVM",
+ "Ca",
+ "Cal",
+ "Calculate",
+ "Calculated",
+ "Calculates",
+ "Calculating",
+ "Calculation",
+ "Calculations",
+ "Calibrate",
+ "Calif",
+ "Calif.",
+ "California",
+ "Call",
+ "Callability",
+ "Calls",
+ "Cambodia",
+ "Camp",
+ "Can",
+ "Canada",
+ "Canadian",
+ "Canal",
+ "Cancelable",
+ "Cancellation",
+ "Cap",
+ "Capability",
+ "Capital",
+ "CapitalRequirements",
+ "Capitalization",
+ "Capitalized",
+ "Capitalizing",
+ "Caption",
+ "Captive",
+ "Captives",
+ "Capture",
+ "Card",
+ "Cardholder",
+ "Career",
+ "Caribbean",
+ "Carlo",
+ "Carry",
+ "Carrying",
+ "Carryover",
+ "Case",
+ "Cases",
+ "Cash",
+ "Cashflow",
+ "Cashier",
+ "Cashing",
+ "Cassettes",
+ "Catalogs",
+ "Catastrophic",
+ "Catch",
+ "Categories",
+ "Categorization",
+ "Category",
+ "Cause",
+ "Caused",
+ "Causes",
+ "Caution",
+ "Cavendes",
+ "Cease",
+ "Ceases",
+ "Ceasing",
+ "Cecile",
+ "Censure",
+ "Census",
+ "Center",
+ "Centers",
+ "Central",
+ "Central-9",
+ "Centralized",
+ "Centre",
+ "Century",
+ "Certain",
+ "Certainty",
+ "Certificate",
+ "Certificates",
+ "Certification",
+ "Certified",
+ "Certifies",
+ "Certify",
+ "Cessation",
+ "Cf",
+ "Chain",
+ "Chair",
+ "Chairman",
+ "Chairmen",
+ "Chairperson",
+ "Challenges",
+ "Chambers",
+ "Champion",
+ "Change",
+ "Changed",
+ "Changes",
+ "Changing",
+ "Chapter",
+ "Chapters",
+ "Character",
+ "Characteristics",
+ "Characterized",
+ "Charge",
+ "Chargeable",
+ "Charged",
+ "Charges",
+ "Charitable",
+ "Charities",
+ "Charter",
+ "Chartered",
+ "Chartering",
+ "Charters",
+ "Chase",
+ "Chattel",
+ "Cheat",
+ "Check",
+ "Checking",
+ "Checks",
+ "Cheney",
+ "Chestnut",
+ "Chicago",
+ "Chief",
+ "Chiefly",
+ "Child",
+ "Childbearing",
+ "China",
+ "Choice",
+ "Choose",
+ "Christmas",
+ "Chronological",
+ "Ci",
+ "Cir",
+ "Circuit",
+ "Circular",
+ "Circulars",
+ "Circumstances",
+ "Circumvention",
+ "Citations",
+ "Citicorp",
+ "City",
+ "Civil",
+ "Claim",
+ "Claimant",
+ "Claimants",
+ "Claims",
+ "Clair",
+ "Clarification",
+ "Clarify",
+ "Clarifying",
+ "Class",
+ "Classes",
+ "Classification",
+ "Classified",
+ "Classifying",
+ "Clause",
+ "Clayton",
+ "Clean",
+ "Clear",
+ "Cleared",
+ "Clearing",
+ "Clearly",
+ "Clerical",
+ "Clerk",
+ "Client",
+ "Clients",
+ "Clock",
+ "Close",
+ "Closed",
+ "Closely",
+ "Closing",
+ "Closings",
+ "CntptyRWA",
+ "Co",
+ "Co.",
+ "Code",
+ "Codification",
+ "Coefficients",
+ "Coercion",
+ "Cohort",
+ "Coin",
+ "Collat",
+ "Collateral",
+ "Collateralization",
+ "Collateralized",
+ "Collateralizes",
+ "Collect",
+ "Collectible",
+ "Collecting",
+ "Collection",
+ "Collections",
+ "Collective",
+ "Collectively",
+ "College",
+ "Colo",
+ "Colo.",
+ "Colonia",
+ "Colorado",
+ "Columbia",
+ "Columbus",
+ "Combination",
+ "Combined",
+ "Combining",
+ "Commence",
+ "Commenced",
+ "Commencement",
+ "Comment",
+ "Commentary",
+ "Commenters",
+ "Comments",
+ "Commerce",
+ "Commercial",
+ "Commingled",
+ "Commission",
+ "Commissioners",
+ "Commissions",
+ "Commitment",
+ "Commitments",
+ "Commits",
+ "Committed",
+ "Committee",
+ "Committees",
+ "Committing",
+ "Commodities",
+ "Commodity",
+ "Common",
+ "Commonly",
+ "Commonwealth",
+ "Communicate",
+ "Communicating",
+ "Communication",
+ "Communications",
+ "Communities",
+ "Community",
+ "Commuting",
+ "Compact",
+ "Companies",
+ "Company",
+ "Comparable",
+ "Comparative",
+ "Compare",
+ "Comparing",
+ "Compatibility",
+ "Compensated",
+ "Compensation",
+ "Compete",
+ "Competency",
+ "Competitive",
+ "Compiled",
+ "Complaint",
+ "Complaints",
+ "Complete",
+ "Completed",
+ "Completeness",
+ "Completion",
+ "Complex",
+ "Complexity",
+ "Compliance",
+ "Complies",
+ "Comply",
+ "Complying",
+ "Component",
+ "Components",
+ "Composite",
+ "Composition",
+ "Compounding",
+ "Comprehensive",
+ "Comprehensively",
+ "Compromise",
+ "Comptroller",
+ "Compulsory",
+ "Computation",
+ "Computations",
+ "Compute",
+ "Computer",
+ "Computing",
+ "Concealing",
+ "Concentrated",
+ "Concentration",
+ "Concentrations",
+ "Concern",
+ "Concerning",
+ "Concise",
+ "Conclusion",
+ "Concurrence",
+ "Concurrently",
+ "Condition",
+ "Conditional",
+ "Conditioning",
+ "Conditions",
+ "Conduct",
+ "Conducted",
+ "Conducting",
+ "Conducts",
+ "Confer",
+ "Conference",
+ "Conferences",
+ "Confidential",
+ "Confidentiality",
+ "Confirm",
+ "Confirmation",
+ "Confirms",
+ "Conflict",
+ "Conflicts",
+ "Conform",
+ "Conformance",
+ "Conforming",
+ "Conformity",
+ "Conforms",
+ "Cong",
+ "Congress",
+ "Congressional",
+ "Congressmen",
+ "Conn",
+ "Conn.",
+ "Connected",
+ "Connecticut",
+ "Consent",
+ "Consents",
+ "Consequences",
+ "Consequently",
+ "Conservation",
+ "Conservator",
+ "Conservatorship",
+ "Conserve",
+ "Consider",
+ "Consideration",
+ "Considerations",
+ "Considered",
+ "Considering",
+ "Considers",
+ "Consist",
+ "Consistency",
+ "Consistent",
+ "Consistently",
+ "Consists",
+ "Consolidated",
+ "Consolidates",
+ "Consolidation",
+ "Conspicuously",
+ "Constant",
+ "Constituent",
+ "Constitute",
+ "Constitutes",
+ "Constitution",
+ "Construction",
+ "Consult",
+ "Consultant",
+ "Consultants",
+ "Consultation",
+ "Consultations",
+ "Consults",
+ "Consumer",
+ "ConsumerProtection",
+ "Consumers",
+ "Consummation",
+ "Consumption",
+ "Contact",
+ "Contacts",
+ "Contain",
+ "Contained",
+ "Containing",
+ "Contains",
+ "Contemporaneous",
+ "Contemporaneously",
+ "Contemptuous",
+ "Content",
+ "Contents",
+ "Contest",
+ "Contiguous",
+ "Contingencies",
+ "Contingency",
+ "Contingent",
+ "Continuances",
+ "Continuation",
+ "Continue",
+ "Continuing",
+ "Continuity",
+ "Continuous",
+ "Continuously",
+ "Contract",
+ "Contract(s",
+ "Contracted",
+ "Contracting",
+ "Contractor",
+ "Contractors",
+ "Contracts",
+ "Contractual",
+ "Contractually",
+ "Contributed",
+ "Contribution",
+ "Contributions",
+ "Control",
+ "Controlled",
+ "Controlling",
+ "Controls",
+ "Convenience",
+ "Conventional",
+ "Convergence",
+ "Conversely",
+ "Conversion",
+ "Conversions",
+ "Convert",
+ "Convertible",
+ "Converting",
+ "Conveying",
+ "Conviction",
+ "Convictions",
+ "Cooperation",
+ "Cooperative",
+ "Cooperatives",
+ "Coordinated",
+ "Coordination",
+ "Coordinator",
+ "Coordinators",
+ "Coownership",
+ "Copies",
+ "Copy",
+ "Copying",
+ "Core",
+ "Coronavirus",
+ "Corp",
+ "Corp.",
+ "Corporate",
+ "CorporateGovernance",
+ "Corporation",
+ "Corporations",
+ "Correct",
+ "Corrected",
+ "Correction",
+ "Corrective",
+ "Corrects",
+ "Correlation",
+ "Correlations",
+ "Correspondence",
+ "Correspondent",
+ "Corresponding",
+ "Cos",
+ "Cost",
+ "Costly",
+ "Costs",
+ "Could",
+ "Council",
+ "Counsel",
+ "Counseling",
+ "Counselor",
+ "Counselors",
+ "Counter",
+ "Counterclaims",
+ "Countercyclical",
+ "Counterparties",
+ "Counterparty",
+ "Countersigning",
+ "Counting",
+ "Countries",
+ "Country",
+ "Coupon",
+ "Courier",
+ "Court",
+ "Courts",
+ "Covenants",
+ "Cover",
+ "Coverage",
+ "Coverdell",
+ "Covered",
+ "Covers",
+ "Coz",
+ "Cranston",
+ "Created",
+ "Creates",
+ "Creating",
+ "Creation",
+ "Credible",
+ "Credit",
+ "Crediting",
+ "Creditor",
+ "Creditors",
+ "Credits",
+ "Crime",
+ "Crimes",
+ "Criminal",
+ "Criteria",
+ "Critical",
+ "Critically",
+ "Crop",
+ "Cross",
+ "Crossing",
+ "Cuban",
+ "Cultural",
+ "Cumulative",
+ "Curb",
+ "Cure",
+ "Currency",
+ "Current",
+ "Currently",
+ "Custodial",
+ "Custodian",
+ "Custody",
+ "Customary",
+ "Customer",
+ "Customers",
+ "Customs",
+ "Cutoff",
+ "Cuz",
+ "Cyber",
+ "C\u2019m",
+ "D",
+ "D&A",
+ "D&I",
+ "D&I.",
+ "D(c",
+ "D(d",
+ "D)(1",
+ "D-1",
+ "D-2",
+ "D.",
+ "D.C.",
+ "DANA",
+ "DAQ",
+ "DAs",
+ "DBA",
+ "DBs",
+ "DC",
+ "DCI",
+ "DCIA",
+ "DCO",
+ "DCP",
+ "DD",
+ "DDs",
+ "DEA",
+ "DEBT",
+ "DED",
+ "DEDUCTIONS",
+ "DEFICIT",
+ "DEFINED",
+ "DELIVERY",
+ "DEO",
+ "DEPOSIT",
+ "DER",
+ "DES",
+ "DF",
+ "DFI",
+ "DF\u2032",
+ "DF\u2032(a",
+ "T=\"01\">(b",
+ "T=\"01\">(b)(2)(ii",
+ "T=\"01\">(c)(3",
+ "T=\"01\">(d)(2",
+ "T=\"01\">(f",
+ "T=\"01\">a",
+ "T=\"01\">a)(2)(a)(4)(b",
+ "T=\"01\">c",
+ "T=\"01\">c)(1",
+ "T=\"01\">c)(4)(d",
+ "T=\"01\">d)(1",
+ "T=\"01\">de",
+ "T=\"01\">i",
+ "T=\"01\">iii",
+ "T=\"01\">iv",
+ "T=\"0112\">%",
+ "T=\"0112\">%,determined",
+ "T=\"0112\">%A",
+ "T=\"03\"/",
+ "T=\"03\">See",
+ "T=\"0364\">k",
+ "T=\"0364\">k\u22121",
+ "T=\"04\">Federal",
+ "T=\"04\">i",
+ "T=\"05\">Example",
+ "T=\"0731\">1",
+ "T=\"51",
+ "T=\"52\">$",
+ "T=\"52\">1",
+ "T=\"52\">2",
+ "T=\"52\">A",
+ "T=\"52\">CCP",
+ "T=\"52\">CM",
+ "T=\"52\">CVA",
+ "T=\"52\">DD",
+ "T=\"52\">DF",
+ "T=\"52\">FX",
+ "T=\"52\">G",
+ "T=\"52\">IRB",
+ "T=\"52\">IRB\u2212L",
+ "T=\"52\">M",
+ "T=\"52\">MA",
+ "T=\"52\">MKT",
+ "T=\"52\">N",
+ "T=\"52\">N.",
+ "T=\"52\">Net",
+ "T=\"52\">S",
+ "T=\"52\">SSFA",
+ "T=\"52\">Stressed",
+ "T=\"52\">Unstressed",
+ "T=\"52\">c",
+ "T=\"52\">fx",
+ "T=\"52\">g",
+ "T=\"52\">i",
+ "T=\"52\">ind",
+ "T=\"52\">k",
+ "T=\"52\">m",
+ "T=\"52\">o",
+ "T=\"52\">os",
+ "T=\"52\">r",
+ "T=\"52\">s",
+ "T=\"52\">stressed",
+ "T=\"52\">s\u2212H",
+ "T=\"52\">unstressed",
+ "T=\"53\">hedge",
+ "T=\"53\">hedge))/(0.05",
+ "T=\"53\">th",
+ "T=\"53\">total",
+ "T=\"54\">$",
+ "T=\"54\">,CM",
+ "T=\"54\">,LS",
+ "T=\"54\">,Tranche",
+ "T=\"54\">0",
+ "T=\"54\">A",
+ "T=\"54\">CCP",
+ "T=\"54\">CM",
+ "T=\"54\">CM\u22122",
+ "T=\"54\">G",
+ "T=\"54\">IRB",
+ "T=\"54\">MKT",
+ "T=\"54\">RIF",
+ "T=\"54\">RMM",
+ "T=\"54\">S",
+ "T=\"54\">SSFA",
+ "T=\"54\">Stressed",
+ "T=\"54\">T",
+ "T=\"54\">Unstressed",
+ "T=\"54\">fx",
+ "T=\"54\">i",
+ "T=\"54\">i))/(0.05",
+ "T=\"54\">ind",
+ "T=\"54\">ind))/(0.05",
+ "T=\"54\">l",
+ "T=\"54\">p",
+ "T=\"54\">r",
+ "T=\"54\">t",
+ "T=\"54\">unstressed",
+ "T=\"7503\">DF",
+ "TA-1",
+ "TARP",
+ "TAY",
+ "TAs",
+ "TBA",
+ "TDA",
+ "TDD",
+ "TDDs",
+ "TDF",
+ "TDR",
+ "TE",
+ "TEA",
+ "TED",
+ "TEE",
+ "TERM",
+ "TERMINATES",
+ "TES",
+ "TF%",
+ "THAT",
+ "THE",
+ "THIS",
+ "TIBOR",
+ "TILA",
+ "TIN",
+ "TISA",
+ "TLAC",
+ "TLY",
+ "TLs",
+ "TMs",
+ "TO",
+ "TOR",
+ "TP",
+ "TRADES",
+ "TRANSACTION",
+ "TRANSFER",
+ "TRANSFERRED",
+ "TREATMENT",
+ "TRR",
+ "TSD",
+ "TSE",
+ "TSP",
+ "TT",
+ "TT&L",
+ "TTI",
+ "TTN",
+ "TTY",
+ "TUS",
+ "TVs",
+ "TX",
+ "Table",
+ "Tables",
+ "Tabular",
+ "Tailoring",
+ "Take",
+ "Takes",
+ "Taking",
+ "Tamper",
+ "Tangible",
+ "Target",
+ "Targeted",
+ "Targets",
+ "Task",
+ "Tax",
+ "Taxes",
+ "Taxpayer",
+ "Technical",
+ "Technology",
+ "Telegraph",
+ "Telephone",
+ "Teller",
+ "Template",
+ "Temporarily",
+ "Temporary",
+ "Ten",
+ "Tenant",
+ "Tender",
+ "Tenn",
+ "Tenn.",
+ "Tennessee",
+ "Tenth",
+ "Term",
+ "Terminal",
+ "Terminate",
+ "Terminates",
+ "Terminating",
+ "Termination",
+ "Terminology",
+ "Terms",
+ "Territorial",
+ "Territories",
+ "Territory",
+ "Testamentary",
+ "Testify",
+ "Testimony",
+ "Testing",
+ "Texas",
+ "Text",
+ "Thailand",
+ "Than",
+ "Thanksgiving",
+ "That",
+ "That's",
+ "That\u2019s",
+ "The",
+ "Theft",
+ "Their",
+ "Then",
+ "There",
+ "There's",
+ "Thereafter",
+ "Therefore",
+ "There\u2019s",
+ "These",
+ "They",
+ "Thickness",
+ "Third",
+ "Thirty",
+ "This",
+ "This's",
+ "This\u2019s",
+ "Thompson",
+ "Thorough",
+ "Those",
+ "Threaten",
+ "Three",
+ "Threshold",
+ "Thrift",
+ "Through",
+ "Throughout",
+ "Thursday",
+ "Thus",
+ "Tickets",
+ "Tie",
+ "Tied",
+ "Tier",
+ "Tiered",
+ "Time",
+ "Timeframe",
+ "Timelines",
+ "Timeliness",
+ "Timely",
+ "Times",
+ "Timeshare",
+ "Timing",
+ "Title",
+ "To",
+ "Tocertify",
+ "Tokyo",
+ "Tolerance",
+ "Tolerances",
+ "Toll",
+ "Tolling",
+ "Top",
+ "Topic",
+ "Tort",
+ "Total",
+ "Totals",
+ "Totten",
+ "Touhy",
+ "Track",
+ "Tracking",
+ "Tracks",
+ "Tract",
+ "Trade",
+ "Trading",
+ "Traditional",
+ "Train",
+ "Training",
+ "Tranche",
+ "Tranching",
+ "Transaction",
+ "Transactional",
+ "Transactions",
+ "Transcript",
+ "Transcriptions",
+ "Transcripts",
+ "Transfer",
+ "Transferability",
+ "Transferee",
+ "Transferor",
+ "Transferring",
+ "Transfers",
+ "Transition",
+ "Transitional",
+ "Transitions",
+ "Transmission",
+ "Transmit",
+ "Transmits",
+ "Transmitting",
+ "Transparency",
+ "Transportation",
+ "Travel",
+ "Traveler",
+ "Treadway",
+ "Treasurer",
+ "Treasuries",
+ "Treasury",
+ "Treat",
+ "Treatment",
+ "Treaty",
+ "Trends",
+ "Tribal",
+ "Tribe",
+ "Tribunal",
+ "Triennial",
+ "Trigger",
+ "Triggering",
+ "Trinity",
+ "Troubled",
+ "TruPS",
+ "Trucking",
+ "True",
+ "Truncate",
+ "Truncating",
+ "Trust",
+ "Trustee",
+ "Trusts",
+ "Truth",
+ "Tuesday",
+ "Turning",
+ "Twelfth",
+ "Twelve",
+ "Twenty",
+ "Twice",
+ "Two",
+ "Type",
+ "Type(s",
+ "Types",
+ "Typically",
+ "T\u2212(K",
+ "T\u2212SK",
+ "T\u2212SL",
+ "U",
+ "U-1",
+ "U-5",
+ "U.",
+ "U.C.C.",
+ "U.S.",
+ "U.S.-based",
+ "U.S.-domiciled",
+ "U.S.-recognized",
+ "U.S.C",
+ "U.S.C.",
+ "U.S.C.1437f",
+ "U.S.C.1639c",
+ "U.S.C.1786",
+ "U.S.C.78a",
+ "U.S.C.78o-11",
+ "UAL",
+ "UBE",
+ "UBEs",
+ "UBS",
+ "UCA",
+ "UCC",
+ "UCH",
+ "UDF",
+ "UE",
+ "UED",
+ "UER",
+ "UFIRS",
+ "ULD",
+ "ULL",
+ "ULR",
+ "ULT",
+ "UMBS",
+ "UNDER",
+ "UNION",
+ "UNITED",
+ "UNIVERSAL",
+ "UNSECURED",
+ "UNT",
+ "UOL",
+ "UPB",
+ "URE",
+ "USC",
+ "USD",
+ "USDA",
+ "USO",
+ "USPAP",
+ "UST",
+ "Ultimate",
+ "Unacceptable",
+ "Unallocated",
+ "Unaudited",
+ "Unauthorized",
+ "Uncapitalized",
+ "Unclaimed",
+ "Unconditional",
+ "Unconditionally",
+ "Unconsolidated",
+ "Uncovered",
+ "Undedicated",
+ "Under",
+ "Undercapitalized",
+ "Underlying",
+ "Underserved",
+ "Understand",
+ "Understanding",
+ "Undertakes",
+ "Underwrite",
+ "Underwriter",
+ "Underwriters",
+ "Underwriting",
+ "Underwritten",
+ "Undivided",
+ "Undrawn",
+ "Undue",
+ "Unencumbered",
+ "Unexercised",
+ "Unexpected",
+ "Unfunded",
+ "Uniform",
+ "Unimpaired",
+ "Unimproved",
+ "Unincorporated",
+ "Uninsured",
+ "Union",
+ "Unions",
+ "Unique",
+ "Unit",
+ "United",
+ "Units",
+ "Universal",
+ "Unlawful",
+ "Unless",
+ "Unlike",
+ "Unlisted",
+ "Unoccupied",
+ "Unpaid",
+ "Unrealized",
+ "Unreasonable",
+ "Unreasonably",
+ "Unrecorded",
+ "Unregulated",
+ "Unrelated",
+ "Unrestricted",
+ "Unsafe",
+ "Unsatisfactory",
+ "Unsecured",
+ "Unsettled",
+ "Unsolicited",
+ "Until",
+ "Unused",
+ "Unusual",
+ "Up",
+ "Updates",
+ "Updating",
+ "Upon",
+ "Upper",
+ "Urban",
+ "Urbanized",
+ "Use",
+ "Useable",
+ "Used",
+ "Uses",
+ "Using",
+ "Usually",
+ "Utilities",
+ "Utilization",
+ "Utilize",
+ "V",
+ "V.V",
+ "VA",
+ "VALUE",
+ "VDs",
+ "VEN",
+ "VER",
+ "VES",
+ "VFR",
+ "VI",
+ "VII",
+ "VIII",
+ "VM",
+ "VOLUNTARILY",
+ "VRS",
+ "VV",
+ "V_V",
+ "Va",
+ "Va.",
+ "VaR",
+ "Vacancies",
+ "Valid",
+ "Validated",
+ "Validation",
+ "Validations",
+ "Valley",
+ "Valuation",
+ "Valuations",
+ "Value",
+ "Values",
+ "Variable",
+ "Variation",
+ "Varied",
+ "Vary",
+ "Vaughn",
+ "Vault",
+ "Vehicle",
+ "Vento",
+ "Vereinsbank",
+ "Verification",
+ "Verified",
+ "Verifies",
+ "Verify",
+ "Verifying",
+ "Vermont",
+ "Vertical",
+ "Very",
+ "Veteran",
+ "Veterans",
+ "Veto",
+ "Viable",
+ "Vice",
+ "Victoria",
+ "Videotaped",
+ "Vietnam",
+ "Viewed",
+ "Views",
+ "Village",
+ "Violate",
+ "Violated",
+ "Violating",
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+ "certify",
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+ "cfs",
+ "cftc",
+ "ch",
+ "ch.",
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+ "class=\"gpotbl_title\">Scorecard",
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diff --git a/output/experiment3/model-last/textcat_multilabel/cfg b/output/experiment3/model-last/textcat_multilabel/cfg
new file mode 100644
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\ No newline at end of file
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diff --git a/output/experiment3/model-last/tokenizer b/output/experiment3/model-last/tokenizer
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new file mode 100644
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+size 1
diff --git a/output/experiment3/model-last/vocab/strings.json b/output/experiment3/model-last/vocab/strings.json
new file mode 100644
index 0000000000000000000000000000000000000000..3f50213663f3edee8fd61b8dc0aa9eae43350b0d
--- /dev/null
+++ b/output/experiment3/model-last/vocab/strings.json
@@ -0,0 +1,31043 @@
+[
+ "\t",
+ "\n",
+ " ",
+ " ",
+ " ",
+ " ",
+ "\"",
+ "\"51",
+ "\">$",
+ "\">%",
+ "\">0",
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+ "\">p",
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+ "#",
+ "$",
+ "%",
+ "%",
+ "(*_*)",
+ "(-8",
+ "(-:",
+ "(-;",
+ "(-_-)",
+ "(-d",
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+ "(10",
+ "(11",
+ "(12",
+ "(13",
+ "(14",
+ "(15",
+ "(16",
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+ "(Es",
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+ "(VI",
+ "(XI",
+ "(^_^)",
+ "(aa",
+ "(bb",
+ "(dd",
+ "(ee",
+ "(es",
+ "(ii",
+ "(iv",
+ "(ix",
+ "(o:",
+ "(vi",
+ "(x:",
+ "(x_x)",
+ "(xi",
+ "(xv",
+ "(\u00ac_\u00ac)",
+ "(\u0ca0_\u0ca0)",
+ "(\u256f\u00b0\u25a1\u00b0\uff09\u256f\ufe35\u253b\u2501\u253b",
+ ")",
+ ")(1",
+ ")(2",
+ ")(3",
+ ")(4",
+ ")(5",
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+ "*",
+ "*30",
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+ "*52",
+ "*60",
+ "*80",
+ "*",
+ ":-D",
+ ":-O",
+ ":-P",
+ ":-X",
+ ":-]",
+ ":-d",
+ ":-o",
+ ":-p",
+ ":-x",
+ ":-|",
+ ":-}",
+ ":/",
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+ ":X",
+ ":]",
+ ":d",
+ ":o",
+ ":o)",
+ ":p",
+ ":x",
+ ":x)",
+ ":|",
+ ":}",
+ ":\u2019(",
+ ":\u2019)",
+ ":\u2019-(",
+ ":\u2019-)",
+ ";",
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+ ";11",
+ ";20",
+ ";D",
+ ";I.",
+ ";T.",
+ ";X",
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+ ";d",
+ "<",
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+ "",
+ "",
+ "=",
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+ "=/",
+ "=3",
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+ "=X",
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+ "=]",
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+ ">th",
+ "?",
+ "@",
+ "@_@",
+ "A",
+ "A&B",
+ "A&B&C",
+ "A&C",
+ "A(6",
+ "A(8",
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+ "A(a",
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+ "A(c",
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+ "A-3",
+ "A-3(b",
+ "A-4",
+ "A-5",
+ "A-6",
+ "A-7(a",
+ "A-7(b",
+ "A-8",
+ "A-9",
+ "A.",
+ "A.1",
+ "A.M.",
+ "A2",
+ "AACL",
+ "AAP",
+ "AAS",
+ "AB",
+ "ABC",
+ "ABCP",
+ "ABS",
+ "AC",
+ "ACCORDANCE",
+ "ACCOUNT",
+ "ACCOUNTS",
+ "ACCREDITED",
+ "ACE",
+ "ACH",
+ "ACK",
+ "ACL",
+ "ACT",
+ "ACY",
+ "ADA",
+ "ADDITIONS",
+ "ADE",
+ "ADEA",
+ "ADMINISTRATION",
+ "ADR",
+ "ADs",
+ "AEA",
+ "AFS",
+ "AG",
+ "AGAINST",
+ "AGE",
+ "AGENCY",
+ "AGGREGATE",
+ "AHAR",
+ "AHARs",
+ "AHP",
+ "AIC",
+ "AICPA",
+ "AID",
+ "AIDS",
+ "AIF",
+ "AIR",
+ "AJA",
+ "ALCO",
+ "ALE",
+ "ALJ",
+ "ALL",
+ "ALLL",
+ "ALSO",
+ "ALs",
+ "AMA",
+ "AMAC",
+ "AMC",
+ "AMCs",
+ "AME",
+ "AMEND",
+ "AMENDED",
+ "AMIS",
+ "AMLF",
+ "AMONG",
+ "AMOUNT",
+ "AMOUNTS",
+ "AN",
+ "ANA",
+ "AND",
+ "ANOTHER",
+ "ANS",
+ "ANT",
+ "ANY",
+ "AOB",
+ "AOCI",
+ "APA",
+ "APPEAL",
+ "APPLICABLE",
+ "APPLICATION",
+ "APPLIED",
+ "APR",
+ "APRs",
+ "APY",
+ "APs",
+ "ARA",
+ "ARD",
+ "ARE",
+ "ARM",
+ "ARP",
+ "ART",
+ "ARs",
+ "AS",
+ "ASB",
+ "ASC",
+ "ASD",
+ "ASF",
+ "AT",
+ "AT&T",
+ "AT&T.",
+ "AT1",
+ "ATA",
+ "ATE",
+ "ATM",
+ "ATMs",
+ "ATRR",
+ "ATS",
+ "ATTACHMENT",
+ "ATTN",
+ "AUD",
+ "AVE",
+ "AWS",
+ "Abandoned",
+ "Abandonment",
+ "Abbreviated",
+ "Abide",
+ "Ability",
+ "Able",
+ "About",
+ "Absence",
+ "Absent",
+ "Abundance",
+ "Abuse",
+ "Ac2",
+ "AcSEC",
+ "Accelerated",
+ "Accelerating",
+ "Acceleration",
+ "Accept",
+ "Acceptable",
+ "Acceptance",
+ "Acceptances",
+ "Accepted",
+ "Accepting",
+ "Accepts",
+ "Access",
+ "Accessibility",
+ "Accommodates",
+ "Accommodation",
+ "Accompanied",
+ "Accord",
+ "Accordance",
+ "According",
+ "Accordingly",
+ "Account",
+ "Accountability",
+ "Accountant",
+ "Accountants",
+ "Accounting",
+ "Accounts",
+ "Accredited",
+ "Accrual",
+ "Accrue",
+ "Accrued",
+ "Accumulated",
+ "Accuracy",
+ "Accurate",
+ "Accurately",
+ "Achieve",
+ "Achievement",
+ "Acknowledge",
+ "Acknowledgement",
+ "Acknowledgment",
+ "Acquire",
+ "Acquired",
+ "Acquiree",
+ "Acquirer",
+ "Acquires",
+ "Acquiring",
+ "Acquisition",
+ "Acquisitions",
+ "Act",
+ "Act)(12",
+ "Act.1",
+ "Actand",
+ "Acting",
+ "Action",
+ "Actions",
+ "Active",
+ "Activities",
+ "Activity",
+ "Acts",
+ "Actual",
+ "Actually",
+ "Actuarial",
+ "Add",
+ "Adding",
+ "Addition",
+ "Additional",
+ "Additionally",
+ "Additions",
+ "Address",
+ "Addresses",
+ "Adelphi",
+ "Adequacy",
+ "Adequate",
+ "Adequately",
+ "Adhere",
+ "Adjacent",
+ "Adjudication",
+ "Adjudications",
+ "Adjudicative",
+ "Adjudicatory",
+ "Adjust",
+ "Adjustable",
+ "Adjusted",
+ "Adjusting",
+ "Adjustment",
+ "Adjustments",
+ "Adm",
+ "Adm.",
+ "Administer",
+ "Administers",
+ "Administration",
+ "Administrative",
+ "Administrator",
+ "Administrators",
+ "Admissibility",
+ "Admissions",
+ "Admit",
+ "Admitted",
+ "Adopt",
+ "Adopting",
+ "Adoption",
+ "Advance",
+ "Advanced",
+ "Advancement",
+ "Advances",
+ "Adversary",
+ "Adverse",
+ "Adversely",
+ "Advertise",
+ "Advertisement",
+ "Advertisements",
+ "Advertising",
+ "Advice",
+ "Advise",
+ "Adviser",
+ "Advisers",
+ "Advises",
+ "Advising",
+ "Advisor",
+ "Advisors",
+ "Advisory",
+ "Advocating",
+ "Affairs",
+ "Affect",
+ "Affects",
+ "Affidavit",
+ "Affiliate",
+ "Affiliated",
+ "Affiliates",
+ "Affiliation",
+ "Affirm",
+ "Affirmative",
+ "Afford",
+ "Affordability",
+ "Affordable",
+ "Affords",
+ "Africa",
+ "African",
+ "After",
+ "AgVantage",
+ "Again",
+ "Against",
+ "Age",
+ "Agencies",
+ "Agency",
+ "Agenda",
+ "Agent",
+ "Agents",
+ "AggEL",
+ "AggEL%",
+ "AggUPB",
+ "Aggregate",
+ "Aggregated",
+ "Aggregating",
+ "Aggregation",
+ "Aggregations",
+ "Aggrieved",
+ "Agnew",
+ "Agree",
+ "Agreeing",
+ "Agreement",
+ "Agreements",
+ "Agrees",
+ "Agricultural",
+ "Agriculturally",
+ "Agriculture",
+ "Agross",
+ "Ai",
+ "Aid",
+ "Airmen",
+ "Ak",
+ "Ak.",
+ "Ala",
+ "Ala.",
+ "Alabama",
+ "Alarm",
+ "Alaska",
+ "Alaskan",
+ "Albemarle",
+ "Alert",
+ "Alexandria",
+ "Align",
+ "Alimony",
+ "All",
+ "Allegations",
+ "Alleged",
+ "Allocated",
+ "Allocating",
+ "Allocation",
+ "Allow",
+ "Allowance",
+ "Allowances",
+ "Allowed",
+ "Allowing",
+ "Allows",
+ "Along",
+ "Already",
+ "Also",
+ "Alter",
+ "Alteration",
+ "Alterations",
+ "Altering",
+ "Alternate",
+ "Alternates",
+ "Alternative",
+ "Alternatively",
+ "Alternatives",
+ "Although",
+ "Amend",
+ "Amended",
+ "Amending",
+ "Amendment",
+ "Amendments",
+ "Amends",
+ "Amer",
+ "America",
+ "American",
+ "Americans",
+ "Among",
+ "Amortization",
+ "Amortized",
+ "Amortizing",
+ "Amount",
+ "Amounts",
+ "An",
+ "Analyses",
+ "Analysis",
+ "Analytical",
+ "Analytics",
+ "Analyze",
+ "Ancillary",
+ "And",
+ "Anet",
+ "Angelina",
+ "Ann",
+ "Annex",
+ "Annexes",
+ "Announced",
+ "Announcement",
+ "Annual",
+ "Annually",
+ "Annuity",
+ "Annunzio",
+ "Anonymous",
+ "Another",
+ "Answer",
+ "Answering",
+ "Answers",
+ "Anti",
+ "Anticipated",
+ "Anticoercion",
+ "Antitrust",
+ "Any",
+ "Anyone",
+ "Anytown",
+ "Apart",
+ "App",
+ "Appalachia",
+ "Appalachian",
+ "Apparent",
+ "Apparently",
+ "Appeal",
+ "Appeals",
+ "Appear",
+ "Appearance",
+ "Appearances",
+ "Appears",
+ "Appellants",
+ "Appendices",
+ "Appendix",
+ "Applicability",
+ "Applicable",
+ "Applicant",
+ "Applicants",
+ "Application",
+ "Applications",
+ "Applies",
+ "Apply",
+ "Applying",
+ "Appointed",
+ "Appointment",
+ "Appraisal",
+ "Appraisals",
+ "Appraise",
+ "Appraiser",
+ "Appraisers",
+ "Approach",
+ "Appropriate",
+ "Appropriateness",
+ "Appropriation",
+ "Appropriations",
+ "Approval",
+ "Approvals",
+ "Approve",
+ "Approved",
+ "Approves",
+ "Approving",
+ "Approximately",
+ "Apr",
+ "Apr.",
+ "April",
+ "Arbitrage",
+ "Arbitration",
+ "Arbitrators",
+ "Archer",
+ "Architectural",
+ "Archives",
+ "Archivist",
+ "Are",
+ "Area",
+ "Area(s",
+ "Areas",
+ "Arises",
+ "Ariz",
+ "Ariz.",
+ "Arizona",
+ "Ark",
+ "Ark.",
+ "Arkansas",
+ "Arlington",
+ "Arm",
+ "Armed",
+ "Armory",
+ "Arrange",
+ "Arrangement",
+ "Arrangements",
+ "Arranges",
+ "Arranging",
+ "Article",
+ "Articles",
+ "As",
+ "Asia",
+ "Asian",
+ "Aside",
+ "Ask",
+ "Asked",
+ "Asking",
+ "Ass'n",
+ "Ass'ns",
+ "Asserts",
+ "Assess",
+ "Assessed",
+ "Assesses",
+ "Assessing",
+ "Assessment",
+ "Assessments",
+ "Asset",
+ "Assets",
+ "Assign",
+ "Assigned",
+ "Assigning",
+ "Assignment",
+ "Assist",
+ "Assistance",
+ "Assistant",
+ "Associate",
+ "Associated",
+ "Association",
+ "Associations",
+ "Assume",
+ "Assumed",
+ "Assuming",
+ "Assumption",
+ "Assumptions",
+ "Assurances",
+ "Assure",
+ "Assured",
+ "Assuring",
+ "At",
+ "Attached",
+ "Attachment",
+ "Attempting",
+ "Attendance",
+ "Attending",
+ "Attention",
+ "Attn",
+ "Attorney",
+ "Attorneys",
+ "Attribute",
+ "Attribution",
+ "Audit",
+ "Audited",
+ "Auditing",
+ "Auditors",
+ "Audits",
+ "Aug",
+ "Aug.",
+ "August",
+ "Augustine",
+ "Austin",
+ "Australian",
+ "Authoritative",
+ "Authorities",
+ "Authority",
+ "Authorization",
+ "Authorize",
+ "Authorized",
+ "Authorizes",
+ "Authorizing",
+ "Auto",
+ "Automated",
+ "Automatic",
+ "Automobile",
+ "Auxiliary",
+ "Availability",
+ "Available",
+ "Ave",
+ "Avenue",
+ "Average",
+ "Aviation",
+ "Avoid",
+ "Avoidance",
+ "Avoids",
+ "Award",
+ "Awards",
+ "B",
+ "B(7",
+ "B(b",
+ "B(c",
+ "B(e",
+ "B(f",
+ "B(i",
+ "B(l",
+ "B)(1",
+ "B)(1)(i",
+ "B-1",
+ "B-10",
+ "B-2",
+ "B-5",
+ "B-83",
+ "B.",
+ "BA",
+ "BACK",
+ "BACKED",
+ "BASED",
+ "BASIS",
+ "BAs",
+ "BB",
+ "BBSW",
+ "BCA",
+ "BCP",
+ "BE",
+ "BEEN",
+ "BEING",
+ "BELIEVE",
+ "BELIEVES",
+ "BER",
+ "BESA",
+ "BEs",
+ "BFs",
+ "BGFRS",
+ "BGFRS-1",
+ "BGFRS-10",
+ "BGFRS-11",
+ "BGFRS-13",
+ "BGFRS-14",
+ "BGFRS-18",
+ "BGFRS-2",
+ "BGFRS-21",
+ "BGFRS-25",
+ "BGFRS-31",
+ "BGFRS-32",
+ "BGFRS-36",
+ "BGFRS-37",
+ "BGFRS-4",
+ "BGFRS-43",
+ "BGFRS-5",
+ "BHC",
+ "BHCA",
+ "BHCs",
+ "BIA",
+ "BIC",
+ "BIF",
+ "BLE",
+ "BLS",
+ "BLY",
+ "BOARD",
+ "BOPEC",
+ "BOR",
+ "BP",
+ "BPs",
+ "BRM",
+ "BS",
+ "BSA",
+ "BSW",
+ "BSs",
+ "BULLETIN",
+ "BY",
+ "Back",
+ "Backed",
+ "Background",
+ "Backtest",
+ "Backtesting",
+ "Balance",
+ "Balanced",
+ "Balances",
+ "Balloon",
+ "Ballot",
+ "Ballots",
+ "Bank",
+ "Bank(s",
+ "Banker",
+ "Bankers",
+ "Banking",
+ "Bankruptcy",
+ "Banks",
+ "Bar",
+ "Barclays",
+ "Barnard",
+ "Barriers",
+ "Base",
+ "Based",
+ "Basel",
+ "Baseline",
+ "Basic",
+ "Basis",
+ "Basle",
+ "Bastrop",
+ "Bayerische",
+ "Be",
+ "Bear",
+ "Bears",
+ "Became",
+ "Because",
+ "Become",
+ "Becomes",
+ "Been",
+ "Before",
+ "Beginning",
+ "Beginningthe",
+ "Begins",
+ "Being",
+ "Benchmarking",
+ "Bend",
+ "Beneficial",
+ "Beneficiaries",
+ "Beneficiary",
+ "Benefit",
+ "Benefits",
+ "Best",
+ "Bet",
+ "Between",
+ "Beutel",
+ "Biennial",
+ "Bill",
+ "Billing",
+ "Bills",
+ "Binding",
+ "Biographical",
+ "Birthday",
+ "Black",
+ "Blank",
+ "Bliley",
+ "Blind",
+ "Block",
+ "Blue",
+ "Board",
+ "Board;11",
+ "Boards",
+ "Boldface",
+ "Bona",
+ "Bond",
+ "Bonds",
+ "Bonus",
+ "Bonuses",
+ "Book",
+ "Bookkeeping",
+ "Books",
+ "Border",
+ "Borland",
+ "Borrow",
+ "Borrower",
+ "Borrowers",
+ "Borrowing",
+ "Borrowings",
+ "Both",
+ "Bottom",
+ "Boundary",
+ "Box",
+ "Brackets",
+ "Brailled",
+ "Branch",
+ "Branches",
+ "Branching",
+ "Brannan",
+ "Brazoria",
+ "Brazos",
+ "Breach",
+ "Breaches",
+ "Bretton",
+ "Bridge",
+ "Briefly",
+ "Briefs",
+ "Broad",
+ "Broadcast",
+ "Brochure",
+ "Broker",
+ "Brokerage",
+ "Brokered",
+ "Brokers",
+ "Bros",
+ "Bros.",
+ "Brownfield",
+ "Budget",
+ "Buffer",
+ "Buffers",
+ "Building",
+ "Bull",
+ "Bulletin",
+ "Bulletins",
+ "Burden",
+ "Burdened",
+ "Bureau",
+ "Burleson",
+ "Burning",
+ "Business",
+ "But",
+ "Buy",
+ "Buyer",
+ "Buying",
+ "By",
+ "Bylaws",
+ "B\u2212L",
+ "C",
+ "C'm",
+ "C)(1",
+ "C++",
+ "C.",
+ "C.O.D.",
+ "CA",
+ "CAD",
+ "CAIVRS",
+ "CAMEL",
+ "CAMELS",
+ "CAMELSO",
+ "CAN",
+ "CAP",
+ "CART",
+ "CAs",
+ "CBC",
+ "CBCA",
+ "CC",
+ "CCF",
+ "CCFs",
+ "CCP",
+ "CCPs",
+ "CCR",
+ "CCS",
+ "CCULR",
+ "CD",
+ "CDA",
+ "CDAs",
+ "CDCI",
+ "CDFI",
+ "CDFIs",
+ "CDOR",
+ "CDRLF",
+ "CDS",
+ "CDs",
+ "CEA",
+ "CEBA",
+ "CECL",
+ "CED",
+ "CEIO",
+ "CEIOs",
+ "CEM",
+ "CEN",
+ "CEO",
+ "CEOs",
+ "CER",
+ "CERTIFICATION",
+ "CERTIFICATIONS",
+ "CET1",
+ "CF",
+ "CFI",
+ "CFO",
+ "CFP",
+ "CFPB",
+ "CFR",
+ "CFTC",
+ "CFs",
+ "CHF",
+ "CHILDREN",
+ "CIA",
+ "CIC",
+ "CICA",
+ "CIDI",
+ "CIDIs",
+ "CIO",
+ "CIP",
+ "CISR",
+ "CIT",
+ "CLAIMS",
+ "CLF",
+ "CLO",
+ "CLOs",
+ "CLTV",
+ "CM",
+ "CMBS",
+ "CMO",
+ "CMOs",
+ "CMP",
+ "CMRS",
+ "CMT",
+ "CMs",
+ "CO",
+ "COA",
+ "COL",
+ "COLLATERAL",
+ "COLOR",
+ "COMPLAINT",
+ "COMPLIANCE",
+ "CONFIDENTIAL",
+ "CONFIRM",
+ "CONVERTS",
+ "CORRESPONDING",
+ "COSO",
+ "COVER",
+ "COVID-19",
+ "COs",
+ "CPA",
+ "CPI",
+ "CPR",
+ "CPR3",
+ "CPs",
+ "CRA",
+ "CRC",
+ "CRCs",
+ "CRE",
+ "CREDIT",
+ "CRO",
+ "CRT",
+ "CRT80NotF15",
+ "CRTA",
+ "CRTF15",
+ "CRTMthstoMaturity",
+ "CRTs",
+ "CSE",
+ "CTS",
+ "CU-13",
+ "CU-5",
+ "CUA",
+ "CURRENTLY",
+ "CUS",
+ "CUSO",
+ "CUSO(s",
+ "CUSOs",
+ "CUs",
+ "CVA",
+ "CVFR",
+ "CVM",
+ "Ca",
+ "Cal",
+ "Calculate",
+ "Calculated",
+ "Calculates",
+ "Calculating",
+ "Calculation",
+ "Calculations",
+ "Calibrate",
+ "Calif",
+ "Calif.",
+ "California",
+ "Call",
+ "Callability",
+ "Calls",
+ "Cambodia",
+ "Camp",
+ "Can",
+ "Canada",
+ "Canadian",
+ "Canal",
+ "Cancelable",
+ "Cancellation",
+ "Cap",
+ "Capability",
+ "Capital",
+ "CapitalRequirements",
+ "Capitalization",
+ "Capitalized",
+ "Capitalizing",
+ "Caption",
+ "Captive",
+ "Captives",
+ "Capture",
+ "Card",
+ "Cardholder",
+ "Career",
+ "Caribbean",
+ "Carlo",
+ "Carry",
+ "Carrying",
+ "Carryover",
+ "Case",
+ "Cases",
+ "Cash",
+ "Cashflow",
+ "Cashier",
+ "Cashing",
+ "Cassettes",
+ "Catalogs",
+ "Catastrophic",
+ "Catch",
+ "Categories",
+ "Categorization",
+ "Category",
+ "Cause",
+ "Caused",
+ "Causes",
+ "Caution",
+ "Cavendes",
+ "Cease",
+ "Ceases",
+ "Ceasing",
+ "Cecile",
+ "Censure",
+ "Census",
+ "Center",
+ "Centers",
+ "Central",
+ "Central-9",
+ "Centralized",
+ "Centre",
+ "Century",
+ "Certain",
+ "Certainty",
+ "Certificate",
+ "Certificates",
+ "Certification",
+ "Certified",
+ "Certifies",
+ "Certify",
+ "Cessation",
+ "Cf",
+ "Chain",
+ "Chair",
+ "Chairman",
+ "Chairmen",
+ "Chairperson",
+ "Challenges",
+ "Chambers",
+ "Champion",
+ "Change",
+ "Changed",
+ "Changes",
+ "Changing",
+ "Chapter",
+ "Chapters",
+ "Character",
+ "Characteristics",
+ "Characterized",
+ "Charge",
+ "Chargeable",
+ "Charged",
+ "Charges",
+ "Charitable",
+ "Charities",
+ "Charter",
+ "Chartered",
+ "Chartering",
+ "Charters",
+ "Chase",
+ "Chattel",
+ "Cheat",
+ "Check",
+ "Checking",
+ "Checks",
+ "Cheney",
+ "Chestnut",
+ "Chicago",
+ "Chief",
+ "Chiefly",
+ "Child",
+ "Childbearing",
+ "China",
+ "Choice",
+ "Choose",
+ "Christmas",
+ "Chronological",
+ "Ci",
+ "Cir",
+ "Circuit",
+ "Circular",
+ "Circulars",
+ "Circumstances",
+ "Circumvention",
+ "Citations",
+ "Citicorp",
+ "City",
+ "Civil",
+ "Claim",
+ "Claimant",
+ "Claimants",
+ "Claims",
+ "Clair",
+ "Clarification",
+ "Clarify",
+ "Clarifying",
+ "Class",
+ "Classes",
+ "Classification",
+ "Classified",
+ "Classifying",
+ "Clause",
+ "Clayton",
+ "Clean",
+ "Clear",
+ "Cleared",
+ "Clearing",
+ "Clearly",
+ "Clerical",
+ "Clerk",
+ "Client",
+ "Clients",
+ "Clock",
+ "Close",
+ "Closed",
+ "Closely",
+ "Closing",
+ "Closings",
+ "CntptyRWA",
+ "Co",
+ "Co.",
+ "Code",
+ "Codification",
+ "Coefficients",
+ "Coercion",
+ "Cohort",
+ "Coin",
+ "Collat",
+ "Collateral",
+ "Collateralization",
+ "Collateralized",
+ "Collateralizes",
+ "Collect",
+ "Collectible",
+ "Collecting",
+ "Collection",
+ "Collections",
+ "Collective",
+ "Collectively",
+ "College",
+ "Colo",
+ "Colo.",
+ "Colonia",
+ "Colorado",
+ "Columbia",
+ "Columbus",
+ "Combination",
+ "Combined",
+ "Combining",
+ "Commence",
+ "Commenced",
+ "Commencement",
+ "Comment",
+ "Commentary",
+ "Commenters",
+ "Comments",
+ "Commerce",
+ "Commercial",
+ "Commingled",
+ "Commission",
+ "Commissioners",
+ "Commissions",
+ "Commitment",
+ "Commitments",
+ "Commits",
+ "Committed",
+ "Committee",
+ "Committees",
+ "Committing",
+ "Commodities",
+ "Commodity",
+ "Common",
+ "Commonly",
+ "Commonwealth",
+ "Communicate",
+ "Communicating",
+ "Communication",
+ "Communications",
+ "Communities",
+ "Community",
+ "Commuting",
+ "Compact",
+ "Companies",
+ "Company",
+ "Comparable",
+ "Comparative",
+ "Compare",
+ "Comparing",
+ "Compatibility",
+ "Compensated",
+ "Compensation",
+ "Compete",
+ "Competency",
+ "Competitive",
+ "Compiled",
+ "Complaint",
+ "Complaints",
+ "Complete",
+ "Completed",
+ "Completeness",
+ "Completion",
+ "Complex",
+ "Complexity",
+ "Compliance",
+ "Complies",
+ "Comply",
+ "Complying",
+ "Component",
+ "Components",
+ "Composite",
+ "Composition",
+ "Compounding",
+ "Comprehensive",
+ "Comprehensively",
+ "Compromise",
+ "Comptroller",
+ "Compulsory",
+ "Computation",
+ "Computations",
+ "Compute",
+ "Computer",
+ "Computing",
+ "Concealing",
+ "Concentrated",
+ "Concentration",
+ "Concentrations",
+ "Concern",
+ "Concerning",
+ "Concise",
+ "Conclusion",
+ "Concurrence",
+ "Concurrently",
+ "Condition",
+ "Conditional",
+ "Conditioning",
+ "Conditions",
+ "Conduct",
+ "Conducted",
+ "Conducting",
+ "Conducts",
+ "Confer",
+ "Conference",
+ "Conferences",
+ "Confidential",
+ "Confidentiality",
+ "Confirm",
+ "Confirmation",
+ "Confirms",
+ "Conflict",
+ "Conflicts",
+ "Conform",
+ "Conformance",
+ "Conforming",
+ "Conformity",
+ "Conforms",
+ "Cong",
+ "Congress",
+ "Congressional",
+ "Congressmen",
+ "Conn",
+ "Conn.",
+ "Connected",
+ "Connecticut",
+ "Consent",
+ "Consents",
+ "Consequences",
+ "Consequently",
+ "Conservation",
+ "Conservator",
+ "Conservatorship",
+ "Conserve",
+ "Consider",
+ "Consideration",
+ "Considerations",
+ "Considered",
+ "Considering",
+ "Considers",
+ "Consist",
+ "Consistency",
+ "Consistent",
+ "Consistently",
+ "Consists",
+ "Consolidated",
+ "Consolidates",
+ "Consolidation",
+ "Conspicuously",
+ "Constant",
+ "Constituent",
+ "Constitute",
+ "Constitutes",
+ "Constitution",
+ "Construction",
+ "Consult",
+ "Consultant",
+ "Consultants",
+ "Consultation",
+ "Consultations",
+ "Consults",
+ "Consumer",
+ "ConsumerProtection",
+ "Consumers",
+ "Consummation",
+ "Consumption",
+ "Contact",
+ "Contacts",
+ "Contain",
+ "Contained",
+ "Containing",
+ "Contains",
+ "Contemporaneous",
+ "Contemporaneously",
+ "Contemptuous",
+ "Content",
+ "Contents",
+ "Contest",
+ "Contiguous",
+ "Contingencies",
+ "Contingency",
+ "Contingent",
+ "Continuances",
+ "Continuation",
+ "Continue",
+ "Continuing",
+ "Continuity",
+ "Continuous",
+ "Continuously",
+ "Contract",
+ "Contract(s",
+ "Contracted",
+ "Contracting",
+ "Contractor",
+ "Contractors",
+ "Contracts",
+ "Contractual",
+ "Contractually",
+ "Contributed",
+ "Contribution",
+ "Contributions",
+ "Control",
+ "Controlled",
+ "Controlling",
+ "Controls",
+ "Convenience",
+ "Conventional",
+ "Convergence",
+ "Conversely",
+ "Conversion",
+ "Conversions",
+ "Convert",
+ "Convertible",
+ "Converting",
+ "Conveying",
+ "Conviction",
+ "Convictions",
+ "Cooperation",
+ "Cooperative",
+ "Cooperatives",
+ "Coordinated",
+ "Coordination",
+ "Coordinator",
+ "Coordinators",
+ "Coownership",
+ "Copies",
+ "Copy",
+ "Copying",
+ "Core",
+ "Coronavirus",
+ "Corp",
+ "Corp.",
+ "Corporate",
+ "CorporateGovernance",
+ "Corporation",
+ "Corporations",
+ "Correct",
+ "Corrected",
+ "Correction",
+ "Corrective",
+ "Corrects",
+ "Correlation",
+ "Correlations",
+ "Correspondence",
+ "Correspondent",
+ "Corresponding",
+ "Cos",
+ "Cost",
+ "Costly",
+ "Costs",
+ "Could",
+ "Council",
+ "Counsel",
+ "Counseling",
+ "Counselor",
+ "Counselors",
+ "Counter",
+ "Counterclaims",
+ "Countercyclical",
+ "Counterparties",
+ "Counterparty",
+ "Countersigning",
+ "Counting",
+ "Countries",
+ "Country",
+ "Coupon",
+ "Courier",
+ "Court",
+ "Courts",
+ "Covenants",
+ "Cover",
+ "Coverage",
+ "Coverdell",
+ "Covered",
+ "Covers",
+ "Coz",
+ "Cranston",
+ "Created",
+ "Creates",
+ "Creating",
+ "Creation",
+ "Credible",
+ "Credit",
+ "Crediting",
+ "Creditor",
+ "Creditors",
+ "Credits",
+ "Crime",
+ "Crimes",
+ "Criminal",
+ "Criteria",
+ "Critical",
+ "Critically",
+ "Crop",
+ "Cross",
+ "Crossing",
+ "Cuban",
+ "Cultural",
+ "Cumulative",
+ "Curb",
+ "Cure",
+ "Currency",
+ "Current",
+ "Currently",
+ "Custodial",
+ "Custodian",
+ "Custody",
+ "Customary",
+ "Customer",
+ "Customers",
+ "Customs",
+ "Cutoff",
+ "Cuz",
+ "Cyber",
+ "C\u2019m",
+ "D",
+ "D&A",
+ "D&I",
+ "D&I.",
+ "D(c",
+ "D(d",
+ "D)(1",
+ "D-1",
+ "D-2",
+ "D.",
+ "D.C.",
+ "DANA",
+ "DAQ",
+ "DAs",
+ "DBA",
+ "DBs",
+ "DC",
+ "DCI",
+ "DCIA",
+ "DCO",
+ "DCP",
+ "DD",
+ "DDs",
+ "DEA",
+ "DEBT",
+ "DED",
+ "DEDUCTIONS",
+ "DEFICIT",
+ "DEFINED",
+ "DELIVERY",
+ "DEO",
+ "DEPOSIT",
+ "DER",
+ "DES",
+ "DF",
+ "DFI",
+ "DF\u2032",
+ "DF\u2032(a",
+ "T=\"01\">(b",
+ "T=\"01\">(b)(2)(ii",
+ "T=\"01\">(c)(3",
+ "T=\"01\">(d)(2",
+ "T=\"01\">(f",
+ "T=\"01\">a",
+ "T=\"01\">a)(2)(a)(4)(b",
+ "T=\"01\">c",
+ "T=\"01\">c)(1",
+ "T=\"01\">c)(4)(d",
+ "T=\"01\">d)(1",
+ "T=\"01\">de",
+ "T=\"01\">i",
+ "T=\"01\">iii",
+ "T=\"01\">iv",
+ "T=\"0112\">%",
+ "T=\"0112\">%,determined",
+ "T=\"0112\">%A",
+ "T=\"03\"/",
+ "T=\"03\">See",
+ "T=\"0364\">k",
+ "T=\"0364\">k\u22121",
+ "T=\"04\">Federal",
+ "T=\"04\">i",
+ "T=\"05\">Example",
+ "T=\"0731\">1",
+ "T=\"51",
+ "T=\"52\">$",
+ "T=\"52\">1",
+ "T=\"52\">2",
+ "T=\"52\">A",
+ "T=\"52\">CCP",
+ "T=\"52\">CM",
+ "T=\"52\">CVA",
+ "T=\"52\">DD",
+ "T=\"52\">DF",
+ "T=\"52\">FX",
+ "T=\"52\">G",
+ "T=\"52\">IRB",
+ "T=\"52\">IRB\u2212L",
+ "T=\"52\">M",
+ "T=\"52\">MA",
+ "T=\"52\">MKT",
+ "T=\"52\">N",
+ "T=\"52\">N.",
+ "T=\"52\">Net",
+ "T=\"52\">S",
+ "T=\"52\">SSFA",
+ "T=\"52\">Stressed",
+ "T=\"52\">Unstressed",
+ "T=\"52\">c",
+ "T=\"52\">fx",
+ "T=\"52\">g",
+ "T=\"52\">i",
+ "T=\"52\">ind",
+ "T=\"52\">k",
+ "T=\"52\">m",
+ "T=\"52\">o",
+ "T=\"52\">os",
+ "T=\"52\">r",
+ "T=\"52\">s",
+ "T=\"52\">stressed",
+ "T=\"52\">s\u2212H",
+ "T=\"52\">unstressed",
+ "T=\"53\">hedge",
+ "T=\"53\">hedge))/(0.05",
+ "T=\"53\">th",
+ "T=\"53\">total",
+ "T=\"54\">$",
+ "T=\"54\">,CM",
+ "T=\"54\">,LS",
+ "T=\"54\">,Tranche",
+ "T=\"54\">0",
+ "T=\"54\">A",
+ "T=\"54\">CCP",
+ "T=\"54\">CM",
+ "T=\"54\">CM\u22122",
+ "T=\"54\">G",
+ "T=\"54\">IRB",
+ "T=\"54\">MKT",
+ "T=\"54\">RIF",
+ "T=\"54\">RMM",
+ "T=\"54\">S",
+ "T=\"54\">SSFA",
+ "T=\"54\">Stressed",
+ "T=\"54\">T",
+ "T=\"54\">Unstressed",
+ "T=\"54\">fx",
+ "T=\"54\">i",
+ "T=\"54\">i))/(0.05",
+ "T=\"54\">ind",
+ "T=\"54\">ind))/(0.05",
+ "T=\"54\">l",
+ "T=\"54\">p",
+ "T=\"54\">r",
+ "T=\"54\">t",
+ "T=\"54\">unstressed",
+ "T=\"7503\">DF",
+ "TA-1",
+ "TARP",
+ "TAY",
+ "TAs",
+ "TBA",
+ "TDA",
+ "TDD",
+ "TDDs",
+ "TDF",
+ "TDR",
+ "TE",
+ "TEA",
+ "TED",
+ "TEE",
+ "TERM",
+ "TERMINATES",
+ "TES",
+ "TF%",
+ "THAT",
+ "THE",
+ "THIS",
+ "TIBOR",
+ "TILA",
+ "TIN",
+ "TISA",
+ "TLAC",
+ "TLY",
+ "TLs",
+ "TMs",
+ "TO",
+ "TOR",
+ "TP",
+ "TRADES",
+ "TRANSACTION",
+ "TRANSFER",
+ "TRANSFERRED",
+ "TREATMENT",
+ "TRR",
+ "TSD",
+ "TSE",
+ "TSP",
+ "TT",
+ "TT&L",
+ "TTI",
+ "TTN",
+ "TTY",
+ "TUS",
+ "TVs",
+ "TX",
+ "Table",
+ "Tables",
+ "Tabular",
+ "Tailoring",
+ "Take",
+ "Takes",
+ "Taking",
+ "Tamper",
+ "Tangible",
+ "Target",
+ "Targeted",
+ "Targets",
+ "Task",
+ "Tax",
+ "Taxes",
+ "Taxpayer",
+ "Technical",
+ "Technology",
+ "Telegraph",
+ "Telephone",
+ "Teller",
+ "Template",
+ "Temporarily",
+ "Temporary",
+ "Ten",
+ "Tenant",
+ "Tender",
+ "Tenn",
+ "Tenn.",
+ "Tennessee",
+ "Tenth",
+ "Term",
+ "Terminal",
+ "Terminate",
+ "Terminates",
+ "Terminating",
+ "Termination",
+ "Terminology",
+ "Terms",
+ "Territorial",
+ "Territories",
+ "Territory",
+ "Testamentary",
+ "Testify",
+ "Testimony",
+ "Testing",
+ "Texas",
+ "Text",
+ "Thailand",
+ "Than",
+ "Thanksgiving",
+ "That",
+ "That's",
+ "That\u2019s",
+ "The",
+ "Theft",
+ "Their",
+ "Then",
+ "There",
+ "There's",
+ "Thereafter",
+ "Therefore",
+ "There\u2019s",
+ "These",
+ "They",
+ "Thickness",
+ "Third",
+ "Thirty",
+ "This",
+ "This's",
+ "This\u2019s",
+ "Thompson",
+ "Thorough",
+ "Those",
+ "Threaten",
+ "Three",
+ "Threshold",
+ "Thrift",
+ "Through",
+ "Throughout",
+ "Thursday",
+ "Thus",
+ "Tickets",
+ "Tie",
+ "Tied",
+ "Tier",
+ "Tiered",
+ "Time",
+ "Timeframe",
+ "Timelines",
+ "Timeliness",
+ "Timely",
+ "Times",
+ "Timeshare",
+ "Timing",
+ "Title",
+ "To",
+ "Tocertify",
+ "Tokyo",
+ "Tolerance",
+ "Tolerances",
+ "Toll",
+ "Tolling",
+ "Top",
+ "Topic",
+ "Tort",
+ "Total",
+ "Totals",
+ "Totten",
+ "Touhy",
+ "Track",
+ "Tracking",
+ "Tracks",
+ "Tract",
+ "Trade",
+ "Trading",
+ "Traditional",
+ "Train",
+ "Training",
+ "Tranche",
+ "Tranching",
+ "Transaction",
+ "Transactional",
+ "Transactions",
+ "Transcript",
+ "Transcriptions",
+ "Transcripts",
+ "Transfer",
+ "Transferability",
+ "Transferee",
+ "Transferor",
+ "Transferring",
+ "Transfers",
+ "Transition",
+ "Transitional",
+ "Transitions",
+ "Transmission",
+ "Transmit",
+ "Transmits",
+ "Transmitting",
+ "Transparency",
+ "Transportation",
+ "Travel",
+ "Traveler",
+ "Treadway",
+ "Treasurer",
+ "Treasuries",
+ "Treasury",
+ "Treat",
+ "Treatment",
+ "Treaty",
+ "Trends",
+ "Tribal",
+ "Tribe",
+ "Tribunal",
+ "Triennial",
+ "Trigger",
+ "Triggering",
+ "Trinity",
+ "Troubled",
+ "TruPS",
+ "Trucking",
+ "True",
+ "Truncate",
+ "Truncating",
+ "Trust",
+ "Trustee",
+ "Trusts",
+ "Truth",
+ "Tuesday",
+ "Turning",
+ "Twelfth",
+ "Twelve",
+ "Twenty",
+ "Twice",
+ "Two",
+ "Type",
+ "Type(s",
+ "Types",
+ "Typically",
+ "T\u2212(K",
+ "T\u2212SK",
+ "T\u2212SL",
+ "U",
+ "U-1",
+ "U-5",
+ "U.",
+ "U.C.C.",
+ "U.S.",
+ "U.S.-based",
+ "U.S.-domiciled",
+ "U.S.-recognized",
+ "U.S.C",
+ "U.S.C.",
+ "U.S.C.1437f",
+ "U.S.C.1639c",
+ "U.S.C.1786",
+ "U.S.C.78a",
+ "U.S.C.78o-11",
+ "UAL",
+ "UBE",
+ "UBEs",
+ "UBS",
+ "UCA",
+ "UCC",
+ "UCH",
+ "UDF",
+ "UE",
+ "UED",
+ "UER",
+ "UFIRS",
+ "ULD",
+ "ULL",
+ "ULR",
+ "ULT",
+ "UMBS",
+ "UNDER",
+ "UNION",
+ "UNITED",
+ "UNIVERSAL",
+ "UNSECURED",
+ "UNT",
+ "UOL",
+ "UPB",
+ "URE",
+ "USC",
+ "USD",
+ "USDA",
+ "USO",
+ "USPAP",
+ "UST",
+ "Ultimate",
+ "Unacceptable",
+ "Unallocated",
+ "Unaudited",
+ "Unauthorized",
+ "Uncapitalized",
+ "Unclaimed",
+ "Unconditional",
+ "Unconditionally",
+ "Unconsolidated",
+ "Uncovered",
+ "Undedicated",
+ "Under",
+ "Undercapitalized",
+ "Underlying",
+ "Underserved",
+ "Understand",
+ "Understanding",
+ "Undertakes",
+ "Underwrite",
+ "Underwriter",
+ "Underwriters",
+ "Underwriting",
+ "Underwritten",
+ "Undivided",
+ "Undrawn",
+ "Undue",
+ "Unencumbered",
+ "Unexercised",
+ "Unexpected",
+ "Unfunded",
+ "Uniform",
+ "Unimpaired",
+ "Unimproved",
+ "Unincorporated",
+ "Uninsured",
+ "Union",
+ "Unions",
+ "Unique",
+ "Unit",
+ "United",
+ "Units",
+ "Universal",
+ "Unlawful",
+ "Unless",
+ "Unlike",
+ "Unlisted",
+ "Unoccupied",
+ "Unpaid",
+ "Unrealized",
+ "Unreasonable",
+ "Unreasonably",
+ "Unrecorded",
+ "Unregulated",
+ "Unrelated",
+ "Unrestricted",
+ "Unsafe",
+ "Unsatisfactory",
+ "Unsecured",
+ "Unsettled",
+ "Unsolicited",
+ "Until",
+ "Unused",
+ "Unusual",
+ "Up",
+ "Updates",
+ "Updating",
+ "Upon",
+ "Upper",
+ "Urban",
+ "Urbanized",
+ "Use",
+ "Useable",
+ "Used",
+ "Uses",
+ "Using",
+ "Usually",
+ "Utilities",
+ "Utilization",
+ "Utilize",
+ "V",
+ "V.V",
+ "VA",
+ "VALUE",
+ "VDs",
+ "VEN",
+ "VER",
+ "VES",
+ "VFR",
+ "VI",
+ "VII",
+ "VIII",
+ "VM",
+ "VOLUNTARILY",
+ "VRS",
+ "VV",
+ "V_V",
+ "Va",
+ "Va.",
+ "VaR",
+ "Vacancies",
+ "Valid",
+ "Validated",
+ "Validation",
+ "Validations",
+ "Valley",
+ "Valuation",
+ "Valuations",
+ "Value",
+ "Values",
+ "Variable",
+ "Variation",
+ "Varied",
+ "Vary",
+ "Vaughn",
+ "Vault",
+ "Vehicle",
+ "Vento",
+ "Vereinsbank",
+ "Verification",
+ "Verified",
+ "Verifies",
+ "Verify",
+ "Verifying",
+ "Vermont",
+ "Vertical",
+ "Very",
+ "Veteran",
+ "Veterans",
+ "Veto",
+ "Viable",
+ "Vice",
+ "Victoria",
+ "Videotaped",
+ "Vietnam",
+ "Viewed",
+ "Views",
+ "Village",
+ "Violate",
+ "Violated",
+ "Violating",
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+ "certify",
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+ "cfs",
+ "cftc",
+ "ch",
+ "ch.",
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+ "class=\"gpotbl_title\">Scorecard",
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+ "whom",
+ "whose",
+ "who\u2019s",
+ "why",
+ "why's",
+ "why\u2019s",
+ "wide",
+ "widely",
+ "widespread",
+ "widowed",
+ "wife",
+ "will",
+ "willful",
+ "willfully",
+ "willing",
+ "willingness",
+ "wim",
+ "win",
+ "wind",
+ "winding",
+ "window",
+ "windows",
+ "winning",
+ "wins",
+ "wire",
+ "wired",
+ "wireless",
+ "wiring",
+ "wis",
+ "wis.",
+ "wish",
+ "wished",
+ "wishes",
+ "wishing",
+ "with",
+ "withdraw",
+ "withdrawable",
+ "withdrawal",
+ "withdrawals",
+ "withdrawing",
+ "withdrawn",
+ "withdraws",
+ "withheld",
+ "withhold",
+ "withholding",
+ "withholds",
+ "within",
+ "without",
+ "withstand",
+ "witness",
+ "witness(es",
+ "witnessed",
+ "witnesses",
+ "wly",
+ "wns",
+ "wo",
+ "wo-",
+ "woman",
+ "women",
+ "women-",
+ "wood",
+ "woods",
+ "word",
+ "wording",
+ "wordperfect",
+ "words",
+ "work",
+ "workable",
+ "workday",
+ "worked",
+ "worker",
+ "workers",
+ "workforce",
+ "working",
+ "workout",
+ "workpapers",
+ "workplace",
+ "works",
+ "workshops",
+ "world",
+ "worldwide",
+ "worse",
+ "worst",
+ "worth",
+ "worthless",
+ "worthy",
+ "would",
+ "wounds",
+ "write",
+ "writer",
+ "writers",
+ "writes",
+ "writing",
+ "writing,7",
+ "writings",
+ "written",
+ "wrong",
+ "wrongdoers",
+ "wrongdoing",
+ "wrongful",
+ "wrongfully",
+ "wth",
+ "wup",
+ "wv",
+ "ww",
+ "www.FHFA.gov",
+ "www.NCUA.gov",
+ "www.consumerfinance.gov/hmda",
+ "www.fdic.gov",
+ "www.federalreserve.gov",
+ "www.federalreserve.gov/files/orderform.pdf",
+ "www.federalreserve.gov/publications",
+ "www.federalreserve.gov/secure/forms/FOMCForm.aspx",
+ "www.federalreserve.gov/secure/forms/fomcform.aspx",
+ "www.fema.gov",
+ "www.ffiec.gov",
+ "www.fhfa.gov",
+ "www.ncua.gov",
+ "wylie",
+ "w\u2019s",
+ "x",
+ "x'",
+ "x'x",
+ "x'xxxx",
+ "x(d",
+ "x(x",
+ "x)(X",
+ "x)(X)(d)(xxx",
+ "x)(XX",
+ "x)(d",
+ "x)(d)(X",
+ "x)(d)(X)(xx",
+ "x)(d)(x",
+ "x)(d)(x)(X",
+ "x)(d)(x)(X)(d",
+ "x)(d)(x)(X)-(X",
+ "x)(d)(x)-(xx",
+ "x)(d)(x)-(xxx",
+ "x)(d)(xx",
+ "x)(d)(xx)(X",
+ "x)(d)(xx)(X)(d",
+ "x)(d)(xx)(X)(d)(x",
+ "x)(d)(xx)(X)(d)(xx",
+ "x)(d)(xx)(X)(d)(xxx",
+ "x)(d)(xx)(X)-(X",
+ "x)(d)(xx)(x",
+ "x)(d)(xxx",
+ "x)(d)(xxx)(X",
+ "x)(d)(xxx)(X)(d",
+ "x)(d)(xxxx",
+ "x)(d)(xxxx)(X",
+ "x)(d)(xxxx)(X)(d",
+ "x)(d)(xxxx)(X)-(X",
+ "x)(d),(x)(d",
+ "x)(d)-(d",
+ "x)(dd",
+ "x)(dd)(x",
+ "x)(dd)(x)(X",
+ "x)(dd)(x)(X)(d",
+ "x)(dd)(x)(d)(x",
+ "x)(dd)(xx",
+ "x)(dd)(xx)(X",
+ "x)(dd)(xx)(X)(d",
+ "x)(dd)(xxx",
+ "x)(xxx)(X",
+ "x),d",
+ "x)-(x",
+ "x)-(xx",
+ "x)-(xxx",
+ "x-17a-5",
+ "x-d",
+ "x-d(x",
+ "x-d.dd)/(X-d.dd",
+ "x.",
+ "x.X",
+ "x.d",
+ "x.x",
+ "x.x.",
+ "x.x.-d",
+ "x.x.x",
+ "x/x",
+ "x9.100",
+ "x9.13",
+ "xD",
+ "xDD",
+ "xX",
+ "xXX",
+ "x_X",
+ "x_d",
+ "x_x",
+ "xam",
+ "xas",
+ "xd",
+ "xdd",
+ "xed",
+ "xes",
+ "xi",
+ "xii",
+ "xiii",
+ "xit",
+ "xiv",
+ "xix",
+ "xth",
+ "xts",
+ "xty",
+ "xus",
+ "xv",
+ "xvi",
+ "xvii",
+ "xviii",
+ "xx",
+ "xx'",
+ "xx'x",
+ "xx'xx",
+ "xx)(X",
+ "xx)(XX",
+ "xx)(d",
+ "xx)(d)(x",
+ "xx)-(xxx",
+ "xx-",
+ "xx-d",
+ "xx.",
+ "xx;XXX",
+ "xxdd",
+ "xxi",
+ "xxii",
+ "xxiii",
+ "xxiv",
+ "xxx",
+ "xxx'x",
+ "xxx(-d.dd",
+ "xxx(Xxxxx",
+ "xxx(xx",
+ "xxx(\u2212d.dd",
+ "xxx)(X",
+ "xxx)(X)(d",
+ "xxx)(XX",
+ "xxx-",
+ "xxx-,xxx-",
+ "xxx-xxxx@xxxx.xxx",
+ "xxx.XXXX.xxx",
+ "xxx.d",
+ "xxx.dd",
+ "xxx.xxxx.xxx",
+ "xxx.xxxx.xxx/xxxx",
+ "xxx.xxxx.xxx/xxxx/xxxx.xxx",
+ "xxx.xxxx.xxx/xxxx/xxxx/XXXXxxx.xxxx",
+ "xxx/xx",
+ "xxx>d",
+ "xxx>d*dd",
+ "xxxx=\"xxxx_xxxx\">*dd.d",
+ "xxxx=\"xxxx_xxxx\">*dd.dd",
+ "xxxx=\"xxxx_xxxx\">*ddd",
+ "xxxx=\"xxxx_xxxx\">*dXxx",
+ "xxxx=\"xxxx_xxxx\">Xxxx",
+ "xxxx=\"xxxx_xxxx\">Xxxxx",
+ "xxxx@xxx.xxx",
+ "xxxx@xxxx.xxx",
+ "xxxxd.dd",
+ "xxxxdd",
+ "xxxx\u00a7",
+ "xxxx\u2019",
+ "xxxx\u2019x",
+ "xxxx\u201cXxxxx",
+ "xxxx\u2212(xxxx",
+ "xxx{\u2212X",
+ "xxx\u2019x",
+ "xx\u00a7",
+ "xx\u2019",
+ "xx\u2019x",
+ "xx\u2019xx",
+ "xyz",
+ "x\u2019",
+ "x\u2019x",
+ "x\u2019xxxx",
+ "x\u2212d",
+ "x\u2212d.dd)/(X\u2212d.dd",
+ "x\ufe35x",
+ "y",
+ "y'",
+ "y's",
+ "y(s",
+ "y,6",
+ "y-14",
+ "y-15",
+ "y-6",
+ "y-7",
+ "y-7n",
+ "y-7ns",
+ "y-7q",
+ "y-7q.",
+ "y-9c",
+ "y-9c.",
+ "y-9lp",
+ "y-9sp",
+ "y.",
+ "y.1",
+ "y.4",
+ "yal",
+ "yankee",
+ "ybe",
+ "ybs",
+ "year",
+ "year,34",
+ "year.33",
+ "year.35",
+ "year1.16",
+ "yearend",
+ "yearly",
+ "years",
+ "yed",
+ "yee",
+ "yen",
+ "yer",
+ "yes",
+ "yet",
+ "yield",
+ "yields",
+ "yle",
+ "yor",
+ "york",
+ "you",
+ "young",
+ "younger",
+ "youngest",
+ "your",
+ "yours",
+ "yourself",
+ "youth",
+ "youthful",
+ "ype",
+ "yst",
+ "yy",
+ "yy(12",
+ "yze",
+ "y\u2019",
+ "y\u2019s",
+ "z",
+ "z-1",
+ "z.",
+ "zealand",
+ "zed",
+ "zen",
+ "zer",
+ "zero",
+ "zes",
+ "zio",
+ "zip",
+ "zon",
+ "zone",
+ "zoned",
+ "zones",
+ "zoning",
+ "zos",
+ "zz",
+ "{",
+ "{\u2212L",
+ "|",
+ "}",
+ "\u00a0",
+ "\u00a7",
+ "\u00a9",
+ "\u00ac",
+ "\u00ac_\u00ac",
+ "\u00ae",
+ "\u00af",
+ "\u00af\\(x)/\u00af",
+ "\u00af\\(\u30c4)/\u00af",
+ "\u00b0",
+ "\u00b0C.",
+ "\u00b0F.",
+ "\u00b0K.",
+ "\u00b0X.",
+ "\u00b0c.",
+ "\u00b0f.",
+ "\u00b0k.",
+ "\u00b0x.",
+ "\u00b5",
+ "\u00b6",
+ "\u00b7",
+ "\u00d7",
+ "\u00e4",
+ "\u00e4.",
+ "\u00f6",
+ "\u00f6.",
+ "\u00fc",
+ "\u00fc.",
+ "\u03a3",
+ "\u03a3(E",
+ "\u03a3(Efx",
+ "\u03a3(Es",
+ "\u03a3C",
+ "\u03a3E",
+ "\u03a3E\u2212\u03a3C",
+ "\u03a3c",
+ "\u03a6",
+ "\u03b1",
+ "\u03bb",
+ "\u03c1",
+ "\u03c3",
+ "\u03c3(e",
+ "\u03c3(efx",
+ "\u03c3(es",
+ "\u03c3c",
+ "\u03c3e",
+ "\u03c3e\u2212\u03c3c",
+ "\u03c6",
+ "\u0ca0",
+ "\u0ca0_\u0ca0",
+ "\u0ca0\ufe35\u0ca0",
+ "\u2014",
+ "\u2018",
+ "\u2018S",
+ "\u2018X",
+ "\u2018s",
+ "\u2018x",
+ "\u2019",
+ "\u2019-(",
+ "\u2019-)",
+ "\u2019Cause",
+ "\u2019Cos",
+ "\u2019Coz",
+ "\u2019Cuz",
+ "\u2019S",
+ "\u2019X",
+ "\u2019Xxx",
+ "\u2019Xxxxx",
+ "\u2019am",
+ "\u2019bout",
+ "\u2019cause",
+ "\u2019cos",
+ "\u2019coz",
+ "\u2019cuz",
+ "\u2019d",
+ "\u2019em",
+ "\u2019ll",
+ "\u2019m",
+ "\u2019nuff",
+ "\u2019re",
+ "\u2019s",
+ "\u2019ve",
+ "\u2019x",
+ "\u2019xx",
+ "\u2019xxx",
+ "\u2019xxxx",
+ "\u2019y",
+ "\u2019\u2019",
+ "\u201c",
+ "\u201d",
+ "\u201d5",
+ "\u201dd",
+ "\u2022",
+ "\u2032 goldenEval.jsonl"
+
+ - name: "import-training-data"
+ help: |
+ Import the training data into Prodigy from a JSONL file named 'train200.jsonl'.
+
+ Usage:
+ ```
+ spacy project run import-training-data
+ ```
+
+ Explanation:
+ - The command imports the training data into Prodigy from the specified JSONL file.
+ - The data is imported into the Prodigy database associated with the project named 'prodigy3train'.
+ - This command prepares the training data for annotation and model training in Prodigy.
+ script:
+ - "prodigy db-in prodigy3train train200.jsonl"
+
+ - name: "import-golden-evaluation-data"
+ help: |
+ Import the golden evaluation data into Prodigy from a JSONL file named 'goldeneval.jsonl'.
+
+ Usage:
+ ```
+ spacy project run import-golden-evaluation-data
+ ```
+
+ Explanation:
+ - The command imports the golden evaluation data into Prodigy from the specified JSONL file.
+ - The data is imported into the Prodigy database associated with the project named 'golden3'.
+ - This command prepares the golden evaluation data for further analysis and model evaluation in Prodigy.
+ script:
+ - "prodigy db-in golden3 goldeneval.jsonl"
+
+ - name: "train-model-experiment1"
+ help: |
+ Train a text classification model using Prodigy with the 'prodigy3train' dataset and evaluating on 'golden3'.
+
+ Usage:
+ ```
+ spacy project run train-model-experiment1
+ ```
+
+ Explanation:
+ - The command trains a text classification model using Prodigy.
+ - It uses the 'prodigy3train' dataset for training and evaluates the model on the 'golden3' dataset.
+ - The trained model is saved to the './output/experiment1' directory.
+ script:
+ - "python3 -m prodigy train --textcat-multilabel prodigy3train,eval:golden3 ./output/experiment1"
+
+ - name: "download-model"
+ help: |
+ Download the English language model 'en_core_web_lg' from spaCy.
+
+ Usage:
+ ```
+ spacy project run download-model
+ ```
+
+ Explanation:
+ - The command downloads the English language model 'en_core_web_lg' from spaCy.
+ - This model is used as the base model for further data processing and training in the project.
+ script:
+ - "python3 -m spacy download en_core_web_lg"
+
+ - name: "convert-data-to-spacy-format"
+ help: |
+ Convert the annotated data from Prodigy to spaCy format using the 'prodigy3train' and 'golden3' datasets.
+
+ Usage:
+ ```
+ spacy project run convert-data-to-spacy-format
+ ```
+
+ Explanation:
+ - The command converts the annotated data from Prodigy to spaCy format.
+ - It uses the 'prodigy3train' and 'golden3' datasets for conversion.
+ - The converted data is saved to the './corpus' directory with the base model 'en_core_web_lg'.
+ script:
+ - "python3 -m prodigy data-to-spacy --textcat-multilabel prodigy3train,eval:golden3 ./corpus --base-model en_core_web_lg"
+
+ - name: "train-custom-model"
+ help: |
+ Train a custom text classification model using spaCy with the converted data in spaCy format.
+
+ Usage:
+ ```
+ spacy project run train-custom-model
+ ```
+
+ Explanation:
+ - The command trains a custom text classification model using spaCy.
+ - It uses the converted data in spaCy format located in the './corpus' directory.
+ - The model is trained using the configuration defined in 'corpus/config.cfg'.
+ script:
+ - "python -m spacy train corpus/config.cfg --paths.train corpus/train.spacy --paths.dev corpus/dev.spacy"
diff --git a/python_Code/finalStep-formatLabel.py b/python_Code/finalStep-formatLabel.py
new file mode 100644
index 0000000000000000000000000000000000000000..a0d2ad70769d6ac3705c8bb992682f6e2724cd90
--- /dev/null
+++ b/python_Code/finalStep-formatLabel.py
@@ -0,0 +1,53 @@
+import jsonlines
+
+# Input file containing classified data
+input_file = "data/thirdStep_file.jsonl"
+
+# Output file to store transformed data
+output_file = "data/train4465"
+
+# Threshold for considering a label
+threshold = 0.5
+
+# Options for different categories
+options = [
+ {"id": "CapitalRequirements", "text": "Capital Requirements", "meta": "0.00"},
+ {"id": "ConsumerProtection", "text": "Consumer Protection", "meta": "0.00"},
+ {"id": "RiskManagement", "text": "Risk Management", "meta": "0.00"},
+ {"id": "ReportingAndCompliance", "text": "Reporting And Compliance", "meta": "0.00"},
+ {"id": "CorporateGovernance", "text": "Corporate Governance", "meta": "0.00"}
+]
+
+# Function to process each record
+def process_record(record):
+ # Extract text and predicted labels
+ text = record["text"]
+ predicted_labels = record["predicted_labels"]
+
+ # Determine accepted categories based on threshold
+ accepted_categories = [label for label, score in predicted_labels.items() if score > threshold]
+
+ # Determine answer based on accepted categories
+ answer = "accept" if accepted_categories else "reject"
+
+ # Prepare options with meta
+ options_with_meta = [
+ {"id": option["id"], "text": option["text"], "meta": option["meta"]} for option in options
+ ]
+
+ # Construct the output record
+ output_record = {
+ "text": text,
+ "cats": predicted_labels,
+ "accept": accepted_categories,
+ "answer": answer,
+ "options": options_with_meta
+ }
+
+ return output_record
+
+# Process input file and write transformed data to output file
+with jsonlines.open(input_file, "r") as infile, jsonlines.open(output_file, "w") as outfile:
+ for record in infile:
+ output_record = process_record(record)
+ outfile.write(output_record)
diff --git a/python_Code/firstStep-format.py b/python_Code/firstStep-format.py
new file mode 100644
index 0000000000000000000000000000000000000000..7a8f1d3d02f5f3221284187eca3ef536c6fb34b6
--- /dev/null
+++ b/python_Code/firstStep-format.py
@@ -0,0 +1,21 @@
+import jsonlines
+
+# Path to your dataset file
+dataset_file = "data/train200.jsonl"
+
+# Path to the output file
+output_file = "data/firstStep_file.jsonl"
+
+# Open the JSONL file and extract text and labels
+try:
+ with jsonlines.open(dataset_file) as reader, jsonlines.open(output_file, mode='w') as writer:
+ for obj in reader:
+ text = obj.get("text")
+ label = obj.get("accept", [])[0] # Get the first accepted label if available
+ if text and label:
+ writer.write({"text": text, "label": label})
+ else:
+ print("Warning: Text or label missing in the JSON object.")
+ print("Processing completed. Output written to:", output_file)
+except Exception as e:
+ print("Error:", e)
diff --git a/python_Code/five_examples_annotated.ipynb b/python_Code/five_examples_annotated.ipynb
new file mode 100644
index 0000000000000000000000000000000000000000..dc337b8cc5b6c9525a9743c886c035520eda0d30
--- /dev/null
+++ b/python_Code/five_examples_annotated.ipynb
@@ -0,0 +1,100 @@
+{
+ "cells": [
+ {
+ "cell_type": "code",
+ "execution_count": 1,
+ "metadata": {},
+ "outputs": [
+ {
+ "name": "stdout",
+ "output_type": "stream",
+ "text": [
+ "Text: Banks that are at risk of failing selling bonds? Absolutely not! No way! The idea of where this money needs to come from should've been a thought that was had before these institutions took on crazy amounts of leverage and debt they couldn't pay. It's an obvious attempt at shifting the massive risk they hold onto unsuspecting investors instead of owning the bag themselves, and admitting they had no real risk management. Free money is becoming a thing of the past, it's time for these institutions to grow up and learn. Failure is always an option. Funds raised by selling off these bonds has a high chance of being similarly mismanaged by these at risk of failing institutions due to the aforementioned lack of real risk management. Actions speak louder than words, and we still live in the shadow of a great financial crisis (hmm, I wonder who could've caused that and why?) And constantly throwing the average Joe under the bus does a pretty bad job of helping maintain public confidence in the finance system.\n",
+ "\n",
+ "ReportingAndCompliance: 0.3665\n",
+ "RiskManagement: 0.0330\n",
+ "ConsumerProtection: 0.0310\n",
+ "CorporateGovernance: 0.0423\n",
+ "CapitalRequirements: 0.0245\n",
+ "\n",
+ "Text: The Wisconsin Bankers Association (aka the WBA) is the largest financial trade association in Wisconsin, representing over 200 state and nationally chartered banks, savings banks,and savings and loan associations located in communities throughout the State. WBA appreciates the opportunity to comment on the interim final rule. Over the past year, the Board of Governors of the Federal Reserve System (FRB) issued several interim final rules to except certain loans that are guaranteed under the Small Business Administration's (SBA's) Paycheck Protection Program (PPP) from the requirements of the Federal Reserve Act and the corresponding provisions of Regulation O.To reflect the latest program extension by Congress, FRB issued this interim final rule to extend the Regulation O exception to PPP loans through March 31, 2022. WBA filed comment letters in support of FRB's previous interim final rules as the removal of Regulation O obstacles through the exception has helped allow Wisconsin's banks to more efficiently address the needs of their insider-owned small businesses. FRB'spast interim final rules have helped ensuree ligible businesses have timely access to liquidity to help overcome economic hurdles resulting from the effects of COVID-19 and the mitigating efforts in effect throughout Wisconsin. WBA appreciates FRB's actions to provide continued clarity that loans made by a bank to insider-owned businesses that are guaranteed under SBA's PPP remain excepted from the Federal Reserve Act and the corresponding provisions of Regulation O. Without an extension of the exception, WBA fears some auditors and examiners would treat such loans differently than PPP loans made on or before June 30 ,2020. As have been requirements of the program since inception, any PPP loan made during the extended program period must still meet certain eligibility and documentation criteria, and have the same interest rate, payment, and loan term. Additionally, all eligibility and documentation criteria and all loan terms and program requirements remain exclusively set by SBA and cannot be altered by the lender. Therefore, FRB should once again extend its exception for PPP loans; this time for PPP loans made through March 31 ,2022. WBA also appreciates FRB's efforts to have promulgated the interim final rules in such a straight-forward manner and for using plain language in its interim final rules. WBA encourages FRB to continue such efforts in future rule makings and for any other regulatory review efforts.\n",
+ "\n",
+ "ReportingAndCompliance: 0.6879\n",
+ "RiskManagement: 0.0000\n",
+ "ConsumerProtection: 0.0048\n",
+ "CorporateGovernance: 0.0000\n",
+ "CapitalRequirements: 0.0000\n",
+ "\n",
+ "Text: How about you crooks focus on the billions being laundered by banks in plain fucking sight instead of intruding in our lives more. Disgusting. Aweful.\n",
+ "\n",
+ "ReportingAndCompliance: 0.4072\n",
+ "RiskManagement: 0.2440\n",
+ "ConsumerProtection: 0.3574\n",
+ "CorporateGovernance: 0.3809\n",
+ "CapitalRequirements: 0.2414\n",
+ "\n",
+ "Text: If adopted, this proposal [R-1726], would prove to be an invasion of privacy. In terms of digital assets, crypto exchanges are not held accountable in the same way that other financial institutions are, and have a track record of bad operational security when it comes to securely storing client information.\n",
+ "\n",
+ "ReportingAndCompliance: 0.4365\n",
+ "RiskManagement: 0.5856\n",
+ "ConsumerProtection: 0.3847\n",
+ "CorporateGovernance: 0.1818\n",
+ "CapitalRequirements: 0.1904\n",
+ "\n",
+ "Text: Amendments to 20402(d)(2) and 204.2(e)(2) and (4) make a savings account without transfer or withdrawal limits transaction accounts. Can a depository institution avoid having a savings account be a transaction account by imposing a transfer/withdrawal restriction? Must such a restriction be absolute, or can it be suggested though the imposition of transaction fees for excess transfers/withdrawals in a stated period? The prefatory text, including the FAQ found there consistently uses the verb 'suspend.' Is 'suspend' used in the dictionary sense of 'temporarily prevent from continuing or being in force or effect'? If so, is that deliberate so as to suggest that it's expected that depository institutions will re-impose transfer/withdrawal limits at some future date (e.g., once the local economy recovers from the present pandemic)? Does the Board anticipate reinstating savings account transfer limits in the future, or believe that they will be reimposed by depository institutions as an account or contract provision? Relationship to Regulation CC A related question regarding the impact of the Reg D changes on the definition of 'account' in Regulation CC (12 CFR Part 229), which appears in the definition to exclude, except for the purposes of subpart D, any savings account described in 12 CFR 204.2(d)(2) 'even though such accounts permit third party transfers.' I note that the Official Interpretations applicable to the 229.2(a)(1) definition of 'account' in Regulation CC suggests that savings deposits are excluded because they :'may have limited third party payment powers,' and the Board believed the 'EFA Act is intended to apply only to accounts that permit UNLIMITED (emphasis added) third party transfers.' Will, then, a bank that 'suspends' its limits on savings deposit transfers and withdrawals be perforce (and perhaps unwittingly) making those savings accounts subject to Regulation CC, or does the Regulation CC 'account' definition continue to exclude savings accounts as described in 204.2(d)(2)? Thank you for your consideration of these comments and questions.\n",
+ "\n",
+ "ReportingAndCompliance: 0.2221\n",
+ "RiskManagement: 0.0007\n",
+ "ConsumerProtection: 0.0513\n",
+ "CorporateGovernance: 0.0031\n",
+ "CapitalRequirements: 0.0000\n",
+ "\n"
+ ]
+ }
+ ],
+ "source": [
+ "import spacy\n",
+ "\n",
+ "# Load the trained model\n",
+ "nlp = spacy.load('output/experiment1/model-best')\n",
+ "\n",
+ "# List of new text examples you want to classify\n",
+ "texts = [\n",
+ " \"Banks that are at risk of failing selling bonds? Absolutely not! No way! The idea of where this money needs to come from should've been a thought that was had before these institutions took on crazy amounts of leverage and debt they couldn't pay. It's an obvious attempt at shifting the massive risk they hold onto unsuspecting investors instead of owning the bag themselves, and admitting they had no real risk management. Free money is becoming a thing of the past, it's time for these institutions to grow up and learn. Failure is always an option. Funds raised by selling off these bonds has a high chance of being similarly mismanaged by these at risk of failing institutions due to the aforementioned lack of real risk management. Actions speak louder than words, and we still live in the shadow of a great financial crisis (hmm, I wonder who could've caused that and why?) And constantly throwing the average Joe under the bus does a pretty bad job of helping maintain public confidence in the finance system.\",\n",
+ " \"The Wisconsin Bankers Association (aka the WBA) is the largest financial trade association in Wisconsin, representing over 200 state and nationally chartered banks, savings banks,and savings and loan associations located in communities throughout the State. WBA appreciates the opportunity to comment on the interim final rule. Over the past year, the Board of Governors of the Federal Reserve System (FRB) issued several interim final rules to except certain loans that are guaranteed under the Small Business Administration's (SBA's) Paycheck Protection Program (PPP) from the requirements of the Federal Reserve Act and the corresponding provisions of Regulation O.To reflect the latest program extension by Congress, FRB issued this interim final rule to extend the Regulation O exception to PPP loans through March 31, 2022. WBA filed comment letters in support of FRB's previous interim final rules as the removal of Regulation O obstacles through the exception has helped allow Wisconsin's banks to more efficiently address the needs of their insider-owned small businesses. FRB'spast interim final rules have helped ensuree ligible businesses have timely access to liquidity to help overcome economic hurdles resulting from the effects of COVID-19 and the mitigating efforts in effect throughout Wisconsin. WBA appreciates FRB's actions to provide continued clarity that loans made by a bank to insider-owned businesses that are guaranteed under SBA's PPP remain excepted from the Federal Reserve Act and the corresponding provisions of Regulation O. Without an extension of the exception, WBA fears some auditors and examiners would treat such loans differently than PPP loans made on or before June 30 ,2020. As have been requirements of the program since inception, any PPP loan made during the extended program period must still meet certain eligibility and documentation criteria, and have the same interest rate, payment, and loan term. Additionally, all eligibility and documentation criteria and all loan terms and program requirements remain exclusively set by SBA and cannot be altered by the lender. Therefore, FRB should once again extend its exception for PPP loans; this time for PPP loans made through March 31 ,2022. WBA also appreciates FRB's efforts to have promulgated the interim final rules in such a straight-forward manner and for using plain language in its interim final rules. WBA encourages FRB to continue such efforts in future rule makings and for any other regulatory review efforts.\",\n",
+ " \"How about you crooks focus on the billions being laundered by banks in plain fucking sight instead of intruding in our lives more. Disgusting. Aweful.\",\n",
+ " \"If adopted, this proposal [R-1726], would prove to be an invasion of privacy. In terms of digital assets, crypto exchanges are not held accountable in the same way that other financial institutions are, and have a track record of bad operational security when it comes to securely storing client information.\",\n",
+ " \"Amendments to 20402(d)(2) and 204.2(e)(2) and (4) make a savings account without transfer or withdrawal limits transaction accounts. Can a depository institution avoid having a savings account be a transaction account by imposing a transfer/withdrawal restriction? Must such a restriction be absolute, or can it be suggested though the imposition of transaction fees for excess transfers/withdrawals in a stated period? The prefatory text, including the FAQ found there consistently uses the verb 'suspend.' Is 'suspend' used in the dictionary sense of 'temporarily prevent from continuing or being in force or effect'? If so, is that deliberate so as to suggest that it's expected that depository institutions will re-impose transfer/withdrawal limits at some future date (e.g., once the local economy recovers from the present pandemic)? Does the Board anticipate reinstating savings account transfer limits in the future, or believe that they will be reimposed by depository institutions as an account or contract provision? Relationship to Regulation CC A related question regarding the impact of the Reg D changes on the definition of 'account' in Regulation CC (12 CFR Part 229), which appears in the definition to exclude, except for the purposes of subpart D, any savings account described in 12 CFR 204.2(d)(2) 'even though such accounts permit third party transfers.' I note that the Official Interpretations applicable to the 229.2(a)(1) definition of 'account' in Regulation CC suggests that savings deposits are excluded because they :'may have limited third party payment powers,' and the Board believed the 'EFA Act is intended to apply only to accounts that permit UNLIMITED (emphasis added) third party transfers.' Will, then, a bank that 'suspends' its limits on savings deposit transfers and withdrawals be perforce (and perhaps unwittingly) making those savings accounts subject to Regulation CC, or does the Regulation CC 'account' definition continue to exclude savings accounts as described in 204.2(d)(2)? Thank you for your consideration of these comments and questions.\"\n",
+ "]\n",
+ "\n",
+ "for text in texts:\n",
+ " doc = nlp(text)\n",
+ " print(f\"Text: {text}\\n\")\n",
+ " for label, score in doc.cats.items():\n",
+ " print(f\"{label}: {score:.4f}\")\n",
+ " print()"
+ ]
+ }
+ ],
+ "metadata": {
+ "kernelspec": {
+ "display_name": "venv",
+ "language": "python",
+ "name": "python3"
+ },
+ "language_info": {
+ "codemirror_mode": {
+ "name": "ipython",
+ "version": 3
+ },
+ "file_extension": ".py",
+ "mimetype": "text/x-python",
+ "name": "python",
+ "nbconvert_exporter": "python",
+ "pygments_lexer": "ipython3",
+ "version": "3.11.4"
+ }
+ },
+ "nbformat": 4,
+ "nbformat_minor": 2
+}
diff --git a/python_Code/secondStep-score.py b/python_Code/secondStep-score.py
new file mode 100644
index 0000000000000000000000000000000000000000..c570928cb1071b390ef350e492e4eba5d3eb7d4f
--- /dev/null
+++ b/python_Code/secondStep-score.py
@@ -0,0 +1,52 @@
+import spacy
+from spacy.training import Example
+import jsonlines
+import random
+
+# Load a blank English model
+nlp = spacy.blank("en")
+
+# Add text classification pipeline to the model
+textcat = nlp.add_pipe('textcat_multilabel', last=True)
+textcat.add_label("CapitalRequirements")
+textcat.add_label("ConsumerProtection")
+textcat.add_label("RiskManagement")
+textcat.add_label("ReportingAndCompliance")
+textcat.add_label("CorporateGovernance")
+
+# Path to the processed data file
+processed_data_file = "data/firstStep_file.jsonl"
+
+# Open the JSONL file and extract text and labels
+with jsonlines.open(processed_data_file) as reader:
+ processed_data = list(reader)
+
+# Convert processed data to spaCy format
+spacy_train_data = []
+for obj in processed_data:
+ text = obj["text"]
+ label = {
+ "CapitalRequirements": obj["label"] == "CapitalRequirements",
+ "ConsumerProtection": obj["label"] == "ConsumerProtection",
+ "RiskManagement": obj["label"] == "RiskManagement",
+ "ReportingAndCompliance": obj["label"] == "ReportingAndCompliance",
+ "CorporateGovernance": obj["label"] == "CorporateGovernance"
+ }
+ spacy_train_data.append(Example.from_dict(nlp.make_doc(text), {"cats": label}))
+
+# Initialize the model and get the optimizer
+optimizer = nlp.initialize()
+
+# Train the text classification model
+n_iter = 10
+for i in range(n_iter):
+ spacy.util.fix_random_seed(1)
+ random.shuffle(spacy_train_data)
+ losses = {}
+ for batch in spacy.util.minibatch(spacy_train_data, size=8):
+ nlp.update(batch, losses=losses, sgd=optimizer)
+ print("Iteration:", i, "Losses:", losses)
+
+# Save the trained model
+output_dir = "./my_trained_model"
+nlp.to_disk(output_dir)
diff --git a/python_Code/thirdStep-label.py b/python_Code/thirdStep-label.py
new file mode 100644
index 0000000000000000000000000000000000000000..9fd5f4e51755dd964dcc70d3ddebc66d8167f82a
--- /dev/null
+++ b/python_Code/thirdStep-label.py
@@ -0,0 +1,23 @@
+import spacy
+import jsonlines
+
+# Load the trained model
+model_path = "./my_trained_model"
+nlp = spacy.load(model_path)
+
+# Load the unlabeled data
+unlabeled_data_file = "data/train.jsonl"
+
+# Open the JSONL file and classify each record
+classified_data = []
+with jsonlines.open(unlabeled_data_file) as reader:
+ for record in reader:
+ text = record["text"]
+ doc = nlp(text)
+ predicted_labels = doc.cats
+ classified_data.append({"text": text, "predicted_labels": predicted_labels})
+
+# Optionally, you can save the classified data to a file or process it further
+output_file = "data/thirdStep_file.jsonl"
+with jsonlines.open(output_file, mode="w") as writer:
+ writer.write_all(classified_data)
diff --git a/python_Code/train_eval_split.ipynb b/python_Code/train_eval_split.ipynb
new file mode 100644
index 0000000000000000000000000000000000000000..d13b708e0e1ea8f8e6017d629283afb6128d1e98
--- /dev/null
+++ b/python_Code/train_eval_split.ipynb
@@ -0,0 +1,267 @@
+{
+ "cells": [
+ {
+ "cell_type": "markdown",
+ "metadata": {
+ "id": "cPWaiNGVZfB1"
+ },
+ "source": [
+ "## Get the JSONL file from github repo"
+ ]
+ },
+ {
+ "cell_type": "code",
+ "execution_count": null,
+ "metadata": {
+ "colab": {
+ "base_uri": "https://localhost:8080/"
+ },
+ "id": "kwTs86SwToom",
+ "outputId": "f5562864-a61d-4ff6-f89a-553047685468"
+ },
+ "outputs": [
+ {
+ "name": "stdout",
+ "output_type": "stream",
+ "text": [
+ "--2024-03-29 17:12:50-- https://raw.githubusercontent.com/DagimB/Text_Mining_ecfr_title12/main/ecfr-title-12.jsonl\n",
+ "Resolving raw.githubusercontent.com (raw.githubusercontent.com)... 185.199.111.133, 185.199.109.133, 185.199.108.133, ...\n",
+ "Connecting to raw.githubusercontent.com (raw.githubusercontent.com)|185.199.111.133|:443... connected.\n",
+ "HTTP request sent, awaiting response... 200 OK\n",
+ "Length: 17239826 (16M) [text/plain]\n",
+ "Saving to: ‘ecfr-title-12.jsonl’\n",
+ "\n",
+ "ecfr-title-12.jsonl 100%[===================>] 16.44M 96.6MB/s in 0.2s \n",
+ "\n",
+ "2024-03-29 17:12:50 (96.6 MB/s) - ‘ecfr-title-12.jsonl’ saved [17239826/17239826]\n",
+ "\n"
+ ]
+ }
+ ],
+ "source": [
+ "# Accessing the title 12 JSONL file\n",
+ "\n",
+ "!wget https://raw.githubusercontent.com/ManjinderUNCC/prodigy-ecfr-textcat/main/data/ecfr-title-12.jsonl"
+ ]
+ },
+ {
+ "cell_type": "code",
+ "execution_count": null,
+ "metadata": {
+ "colab": {
+ "base_uri": "https://localhost:8080/"
+ },
+ "id": "4nZE63owa0Q5",
+ "outputId": "3a20455c-6f65-4da2-af36-ce9a13e507c1"
+ },
+ "outputs": [
+ {
+ "name": "stdout",
+ "output_type": "stream",
+ "text": [
+ "Mounted at /content/drive\n"
+ ]
+ }
+ ],
+ "source": [
+ "from google.colab import drive\n",
+ "\n",
+ "# Mount Google Drive\n",
+ "drive.mount('/content/drive')"
+ ]
+ },
+ {
+ "cell_type": "markdown",
+ "metadata": {
+ "id": "Bipzb8pwcm5T"
+ },
+ "source": [
+ "## Convert JSONL file into an array"
+ ]
+ },
+ {
+ "cell_type": "code",
+ "execution_count": null,
+ "metadata": {
+ "id": "vvQtsxxxZQs9"
+ },
+ "outputs": [],
+ "source": [
+ "# deletes the first line of the jsonl file and saves the rest as output.jsonl\n",
+ "\n",
+ "import json\n",
+ "\n",
+ "with open('ecfr-title-12.jsonl', 'r', encoding='utf-8') as infile:\n",
+ " next(infile)\n",
+ " with open('/content/drive/My Drive/output.jsonl', 'w', encoding='utf-8') as outfile:\n",
+ " for line in infile:\n",
+ " outfile.write(line)\n",
+ "\n",
+ "file_path = '/content/drive/My Drive/output.jsonl'"
+ ]
+ },
+ {
+ "cell_type": "code",
+ "execution_count": null,
+ "metadata": {
+ "id": "dDbDFyUdcmIr"
+ },
+ "outputs": [],
+ "source": [
+ "def jsonl_to_array(file_path):\n",
+ " data = []\n",
+ " with open(file_path, 'r') as file:\n",
+ " for line in file:\n",
+ " # Strip any leading/trailing whitespace and parse JSON\n",
+ " json_data = json.loads(line.strip())\n",
+ " data.append(json_data)\n",
+ " return data\n",
+ "\n",
+ "data_array = jsonl_to_array(file_path)"
+ ]
+ },
+ {
+ "cell_type": "markdown",
+ "metadata": {
+ "id": "9njD4a2ee7xl"
+ },
+ "source": [
+ "## Split array into train and evaluation using train_test_split"
+ ]
+ },
+ {
+ "cell_type": "code",
+ "execution_count": null,
+ "metadata": {
+ "colab": {
+ "base_uri": "https://localhost:8080/"
+ },
+ "id": "x3rGk_ISfPUs",
+ "outputId": "fb1ec5d4-5fd7-4ff4-e0b5-175fb16b6c31"
+ },
+ "outputs": [
+ {
+ "data": {
+ "text/plain": [
+ "4665"
+ ]
+ },
+ "execution_count": 5,
+ "metadata": {},
+ "output_type": "execute_result"
+ }
+ ],
+ "source": [
+ "# see how long the array is\n",
+ "len(data_array)"
+ ]
+ },
+ {
+ "cell_type": "code",
+ "execution_count": null,
+ "metadata": {
+ "colab": {
+ "base_uri": "https://localhost:8080/"
+ },
+ "id": "isJmBgRGe2rc",
+ "outputId": "13f453a7-4c1b-4527-c334-0e02c09caf52"
+ },
+ "outputs": [
+ {
+ "name": "stdout",
+ "output_type": "stream",
+ "text": [
+ "Length of eval dataset: 200\n"
+ ]
+ }
+ ],
+ "source": [
+ "# Use train_test_split to get an evaluation dataset that is 200 in length\n",
+ "\n",
+ "from sklearn.model_selection import train_test_split\n",
+ "train_data, eval_data = train_test_split(data_array, test_size=0.0428, random_state=42)\n",
+ "\n",
+ "print(f\"Length of eval dataset: {len(eval_data)}\")"
+ ]
+ },
+ {
+ "cell_type": "code",
+ "execution_count": null,
+ "metadata": {
+ "colab": {
+ "base_uri": "https://localhost:8080/"
+ },
+ "id": "F8Rjwp8Bh3EP",
+ "outputId": "c2831246-fb42-41b5-aba7-10f99c50fee7"
+ },
+ "outputs": [
+ {
+ "data": {
+ "text/plain": [
+ "4465"
+ ]
+ },
+ "execution_count": 7,
+ "metadata": {},
+ "output_type": "execute_result"
+ }
+ ],
+ "source": [
+ "len(train_data)"
+ ]
+ },
+ {
+ "cell_type": "markdown",
+ "metadata": {
+ "id": "mIggR8P2LHLl"
+ },
+ "source": [
+ "## Turn the two arrays back into JSONL files for Prodigy"
+ ]
+ },
+ {
+ "cell_type": "code",
+ "execution_count": null,
+ "metadata": {
+ "id": "RG78jgEOLWTr"
+ },
+ "outputs": [],
+ "source": [
+ "def array_to_jsonl(data_array, file_path):\n",
+ " with open(file_path, 'w') as file:\n",
+ " for item in data_array:\n",
+ " json_line = json.dumps(item)\n",
+ " file.write(json_line + '\\n')\n",
+ "\n",
+ "file_path = 'data/eval.jsonl'\n",
+ "array_to_jsonl(eval_data, file_path)"
+ ]
+ },
+ {
+ "cell_type": "code",
+ "execution_count": null,
+ "metadata": {
+ "id": "z_sgIHfyNFLm"
+ },
+ "outputs": [],
+ "source": [
+ "file_path = 'data/train.jsonl'\n",
+ "array_to_jsonl(train_data, file_path)"
+ ]
+ }
+ ],
+ "metadata": {
+ "colab": {
+ "provenance": []
+ },
+ "kernelspec": {
+ "display_name": "Python 3",
+ "name": "python3"
+ },
+ "language_info": {
+ "name": "python"
+ }
+ },
+ "nbformat": 4,
+ "nbformat_minor": 0
+}
diff --git a/requirements.txt b/requirements.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3d9794bc5d5b355bf1d5dfd23c0a472dd4ae5590
--- /dev/null
+++ b/requirements.txt
@@ -0,0 +1,57 @@
+aiofiles==23.2.1
+annotated-types==0.6.0
+anyio==4.3.0
+attrs==23.2.0
+blis==0.7.11
+cachetools==5.3.3
+catalogue==2.0.10
+certifi==2024.2.2
+charset-normalizer==3.3.2
+click==8.1.7
+cloudpathlib==0.16.0
+confection==0.1.4
+cymem==2.0.8
+en-core-web-lg @ https://github.com/explosion/spacy-models/releases/download/en_core_web_lg-3.7.1/en_core_web_lg-3.7.1-py3-none-any.whl#sha256=ab70aeb6172cde82508f7739f35ebc9918a3d07debeed637403c8f794ba3d3dc
+exceptiongroup==1.2.0
+fastapi==0.102.0
+h11==0.14.0
+idna==3.6
+importlib_metadata==7.1.0
+Jinja2==3.1.3
+jsonlines==4.0.0
+langcodes==3.3.0
+MarkupSafe==2.1.5
+murmurhash==1.0.10
+numpy==1.26.4
+packaging==24.0
+peewee==3.16.3
+preshed==3.0.9
+prodigy==1.15.2
+pydantic==2.6.4
+pydantic_core==2.16.3
+PyJWT==2.8.0
+python-dotenv==1.0.1
+radicli==0.0.25
+requests==2.31.0
+scikit-learn==1.4.2
+scipy==1.13.0
+setuptools==69.5.1
+smart-open==6.4.0
+sniffio==1.3.1
+spacy==3.7.4
+spacy-legacy==3.0.12
+spacy-llm==0.7.1
+spacy-loggers==1.0.5
+srsly==2.4.8
+starlette==0.27.0
+thinc==8.2.3
+toolz==0.12.1
+tqdm==4.66.2
+typeguard==3.0.2
+typer==0.9.4
+typing_extensions==4.10.0
+urllib3==2.2.1
+uvicorn==0.26.0
+wasabi==1.1.2
+weasel==0.3.4
+zipp==3.18.1
\ No newline at end of file