Release dates | Full version (300 KB PDF)  Board Actions | Actions   under delegated authority  Applications and reports received:Boston | New York | Philadelphia   | Cleveland | Richmond   | AtlantaChicago | St. Louis | Minneapolis   | Kansas City | Dallas   | San Francisco

#   Board Actions 

## Actions taken during the week ending November 14, 2009

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EnforcementButler Bancorp, MHC, Lowell, Massachusetts, and Butler Bancorp, Inc.  -- written agreement with the Federal Reserve Bank of Boston.					-Announced, November 9, 2009 					Landmark Financial Holding Company, Sarasota, Florida, and Landmark Bank of Florida  -- written agreement with the Federal Reserve Bank of Atlanta and the State of Florida, Office of Financial Regulation.					-Announced, November 10, 2009 					Orion Bank, Naples, Florida  -- issuance of a prompt corrective action directive against the bank.					-Approved, November 10, 2009 					Pacific Coast National Bancorp, San Clemente California  -- written agreement with the Federal Reserve Bank of San Francisco.					-Announced, November 10, 2009 					West Concord Bancshares, Inc., West Concord, Minnesota, and Farmers State Bank of West Concord  -- written agreement with the Federal Reserve Bank of Minneapolis.					-Announced, November 10, 2009 					

Extensions Of TimeThe PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania  -- extension to January 1, 2013, of the first-floor-period start date under the advanced approaches risk-based capital rule for bank holding companies.					-Granted, November 13, 2009 					

Monetary and Financial PolicyPrimary Credit Loans  -- reduction in the maximum maturity on primary credit loans from 90 days to 28 days, effective January 14, 2010.					-Approved, November 12, 2009 					

PersonnelLegal Division  -- appointment of Kieran J. Fallon as associate general counsel.					-Announced, November 10, 2009 					Office of Board Members  -- appointment of Lucretia Boyer as special assistant to the Board.					-Announced, November 10, 2009 					

Regulations And PoliciesRegulation E (Electronic Fund Transfers)  -- final amendments that limit the ability of a financial institution to assess an overdraft fee for paying automated teller machine (ATM) and one-time debit card transactions that overdraw a consumer's account, unless the consumer affirmatively consents or opts in.					-Approved, November 5, 2009 					(AC)Regulation E (Electronic Fund Transfers)  -- publication for comment of proposed amendments that restrict the fees and expiration dates that may apply to gift cards, protect consumers from certain unexpected costs, and require that gift card terms and conditions be clearly stated.					-Approved, November 12, 2009 					Regulation P (Privacy of Consumer Financial Information)  -- final interagency amendments and model privacy form to implement the privacy notice and opt-out provisions of the Gramm-Leach-Bliley Act. 					-Approved, October 26, 2009 					(AC)Regulation Z (Truth in Lending)  -- interim final rule with request for comment to implement a recent statutory amendment requiring that consumers receive written notice after their mortgage loan has been sold or transferred.					-Approved, November 10, 2009 					Risk-Based Capital Guidelines  -- final interagency rules on the risk-based capital treatment of residential mortgage loans�modified under�the Department of the Treasury's�Home Affordable Mortgage Program.					-Approved, November 2, 2009 					(AC)

Release dates | Full version (300 KB PDF)  Board Actions | Actions   under delegated authority  Applications and reports received:Boston | New York | Philadelphia   | Cleveland | Richmond   | AtlantaChicago | St. Louis | Minneapolis   | Kansas City | Dallas   | San Francisco
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