Unfair or Deceptive Acts or Practices (US Federal Reserve System Regulation) (FRS) (2018 Edition) The Law Library presents the complete text of the Unfair or Deceptive Acts or Practices (US Federal Reserve System Regulation) (FRS) (2018 Edition). Updated as of May 29, 2018 The Board, OTS, and NCUA (collectively, the Agencies) are exercising their authority under section 5(a) of the Federal Trade Commission Act to prohibit unfair or deceptive acts or practices. The final rule prohibits institutions from engaging in certain acts or practices in connection with consumer credit card accounts. The final rule relates to other Board rules under the Truth in Lending Act, which are published elsewhere in today's Federal Register. Because the Board has proposed new rules regarding overdraft services for deposit accounts under the Electronic Fund Transfer Act elsewhere in today's Federal Register, the Agencies are not taking action on overdraft services at this time. A secondary basis for OTS's rule is the Home Owners' Loan Act. This book contains: - The complete text of the Unfair or Deceptive Acts or Practices (US Federal Reserve System Regulation) (FRS) (2018 Edition) - A table of contents with the page number of each section

Truth in Lending (US Federal Reserve System Regulation) (FRS) (2018 Edition) The Law Library presents the complete text of the Truth in Lending (US Federal Reserve System Regulation) (FRS) (2018 Edition). Updated as of May 29, 2018 The Board is amending Regulation Z, which implements the Truth in Lending Act, and the official staff commentary to the regulation, to withdraw portions of the interim final rules for the electronic delivery of disclosures issued March 30, 2001. The 2001 interim final rules addressed the timing and delivery of electronic disclosures, consistent with the requirements of the Electronic Signatures in Global and National Commerce Act (E-Sign Act). Because compliance with the 2001 interim final rules has not been mandatory, withdrawal of these provisions from the Code of Federal Regulations reduces confusion about the status of the provisions and simplifies the regulation. This book contains: - The complete text of the Truth in Lending (US Federal Reserve System Regulation) (FRS) (2018 Edition) - A table of contents with the page number of each section

Truth in Savings (US Federal Reserve System Regulation) (FRS) (2018 Edition) The Law Library presents the complete text of the Truth in Savings (US Federal Reserve System Regulation) (FRS) (2018 Edition). Updated as of May 29, 2018 The Board is amending Regulation DD, which implements the Truth in Savings Act, and the official staff commentary to the regulation, to withdraw portions of the interim final rules for the electronic delivery of disclosures issued March 30, 2001. The interim final rules addressed the timing and delivery of electronic disclosures, consistent with the requirements of the Electronic Signatures in Global and National Commerce Act (E-Sign Act). Because compliance with the 2001 interim final rules has not been mandatory, withdrawal of these provisions from the Code of Federal Regulations reduces confusion about the status of the provisions and simplifies the regulation. This book contains: - The complete text of the Truth in Savings (US Federal Reserve System Regulation) (FRS) (2018 Edition) - A table of contents with the page number of each section

Policy on Payment System Risk (US Federal Reserve System Regulation) (FRS) (2018 Edition) The Law Library presents the complete text of the Policy on Payment System Risk (US Federal Reserve System Regulation) (FRS) (2018 Edition). Updated as of May 29, 2018 The Board of Governors of the Federal Reserve System (Board) has adopted revisions to part I of its Federal Reserve Policy on Payment System Risk (PSR policy) to reflect the prevailing international standards, the Principles for Financial Market Infrastructures (PFMI), which were developed by the Committee on Payment and Settlement Systems (CPSS) and the Technical Committee of the International Organization of Securities Commissions (IOSCO) and published in April 2012, and the supervisory framework for designated financial market utilities (FMUs) established in Title VIII of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Dodd-Frank Act or Act). The Board also made conforming and technical changes to part I of the PSR policy. This book contains: - The complete text of the Policy on Payment System Risk (US Federal Reserve System Regulation) (FRS) (2018 Edition) - A table of contents with the page number of each section

Equal Credit Opportunity (US Federal Reserve System Regulation) (FRS) (2018 Edition) The Law Library presents the complete text of the Equal Credit Opportunity (US Federal Reserve System Regulation) (FRS) (2018 Edition). Updated as of May 29, 2018 The Board is amending Regulation B, which implements the Equal Credit Opportunity Act, and the official staff commentary to the regulation, to withdraw portions of the interim final rules for the electronic delivery of disclosures issued March 30, 2001. The interim final rules address the timing and delivery of electronic disclosures, consistent with the requirements of the Electronic Signatures in Global and National Commerce Act (E-Sign Act). Because compliance with the 2001 interim final rules has not been mandatory, withdrawal of these provisions from the Code of Federal Regulations reduces confusion about the status of the provisions and simplifies the regulation. This book contains: - The complete text of the Equal Credit Opportunity (US Federal Reserve System Regulation) (FRS) (2018 Edition) - A table of contents with the page number of each section

Policy Statements - Payment System Risk - Procedures for Measuring Daylight Overdrafts (US Federal Reserve System Regulation) (FRS) (2018 Edition) The Law Library presents the complete text of the Policy Statements - Payment System Risk - Procedures for Measuring Daylight Overdrafts (US Federal Reserve System Regulation) (FRS) (2018 Edition). Updated as of May 29, 2018 The Board of Governors of the Federal Reserve System (Board) has adopted revisions to part II of the Federal Reserve Policy on Payment System Risk (PSR policy) related to the procedures for measuring balances intraday in institutions' accounts at the Federal Reserve Banks (Reserve Banks). The changes relate to the Board's procedures for posting debit and credit entries to institutions' Federal Reserve accounts for automated clearinghouse (ACH) debit transactions and commercial check transactions. Elsewhere in the Federal Register under Docket No. R-1473, the Board has adopted related changes to the Board's Regulation J that affect when paying banks settle for check transactions presented to them by the Reserve Banks. Additionally, in this document, the Board has adopted a set of principles for establishing future posting procedures for the Reserve Banks' same-day ACH service. The Board has also adopted a change in language of the PSR policy intended to clarify the Reserve Banks' administration of the policy for U.S. branches and agencies of foreign banking organizations. Finally, the Board has adopted two technical revisions to the posting procedures to reflect deposit deadlines already in effect for Treasury checks, postal money orders, local Federal Reserve Bank checks, and savings bond redemptions in separately sorted deposits. This book contains: - The complete text of the Policy Statements - Payment System Risk - Procedures for Measuring Daylight Overdrafts (US Federal Reserve System Regulation) (FRS) (2018 Edition) - A table of contents with the page number of each section