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Redesignation Table for Savings Association Regulations

(as of June 16, 2014)

The Office of the Comptroller of the Currency (OCC) has integrated a number of national bank and federal savings association rules. The following redesignation table lists the former savings association provision and identifies the OCC provision that replaces it.

Title Former Rule Current Rule
Disclosure of CRA-Related Agreements 12 CFR 133 12 CFR 35
Consumer Protection in Sales of Insurance 12 CFR 136 12 CFR 14
Lending Limits 12 CFR 160.93 12 CFR 32
Bank Secrecy Act Compliance 12 CFR 163.177 12 CFR 21.21
Appraisals 12 CFR 164 12 CFR 34, subpart C
(12 CFR 34.41 – 34.47)
     – Purpose and Scope – 12 CFR 164.1 – 12 CFR 34.41
     – Definitions – 12 CFR 164.2 – 12 CFR 34.42
     – Appraisals required; transactions requiring a state certified appraiser – 12 CFR 164.3 – 12 CFR 34.43
     – Minimum appraisal standards – 12 CFR 164.4 – 12 CFR 34.44
     – Appraiser independence – 12 CFR 164.5 – 12 CFR 34.45
     – Professional association membership; competency – 12 CFR 164.6 – 12 CFR 34.46
     – Enforcement – 12 CFR 164.7 – 12 CFR 34.47
     – Appraisal policies and practices – 12 CFR 164.8 – See e.g., 2010 Interagency Appraisal and Evaluation Guidelines
     – Appraisals for Higher-Priced Mortgage Loans – 12 CFR 164, subpart B – 12 CFR 34, subpart G
(12 CFR 34.201 – 34.203)
Prompt Corrective Action1 12 CFR 165 12 CFR 6
     – Authority, purpose, scope, other supervisory authority, and disclosure of capital categories – 12 CFR 165.1 – 12 CFR 6.1
     – Definitions – 12 CFR 165.2 – 12 CFR 6.2
     – Notice of capital category – 12 CFR 165.3 – 12 CFR 6.3
     – Capital measures and capital categories definitions – 12 CFR 165.4 – 12 CFR 6.4
     – Capital restoration plans – 12 CFR 165.5 – 12 CFR 6.5
     – Mandatory and discretionary supervisory actions under section 38 – 12 CFR 165.6 – 12 CFR 6.6
     – Directives to take prompt corrective actions – 12 CFR 165.7 – 12 CFR 6.20 - 6.24
  • Notice of intent to issue a directive
  • 12 CFR 165.7(a)
  • 12 CFR 6.21(a)
  • Contents of notice
  • 12 CFR 165.7(b)
  • 12 CFR 6.21(b)
  • Response to notice
  • 12 CFR 165.7(c)
  • 12 CFR 6.22(a) and (b)
  • OCC Consideration of response
  • 12 CFR 165.7(d)
  • 12 CFR 6.23(a)
  • Failure to file a response
  • 12 CFR 165.7(e)
  • 12 CFR 6.22(c)
  • Request for modification or rescission of directive
  • 12 CFR 165.7(f)
  • 12 CFR 6.24
     – Procedures for reclassifying a federal savings association based on criteria other than capital – 12 CFR 165.8 – 12 CFR 165.8
     – Order to dismiss a director or senior executive officer – 12 CFR 165.9 – 12 CFR 165.9
     – Enforcement of directives – 12 CFR 165.10 – 12 CFR 6.25
Capital2 12 CFR 167 12 CFR 3
     – Definitions – 12 CFR 167.1 – See 12 CFR 3.2 and various other sections in 12 CFR 3
     – Minimum regulatory capital requirements – 12 CFR 167.2 – 12 CFR 3.10
     – Individual minimum capital requirements – 12 CFR 167.3 – Subpart H (12 CFR 3.402 -3.405)
     – Capital directives – 12 CFR 167.4 – Subpart J (12 CFR 3.601 – 3.607)
     – Components of capital – 12 CFR 167.5 – Subpart C (12 CFR 3.20 – 3.22)
     – Risk-based capital credit risk-weight categories – 12 CFR 167.6 – Subparts D (12 CFR 3.30 – 3.63) and E (12 CFR 3.100 – 3.173)
     – Leverage ratios – 12 CFR 167.8 – 12 CFR 3.10
     – Tangible capital requirements – 12 CFR 167.9 – 12 CFR 3.10 (a)(6), (b)(5) and (c)(5)
– See also 12 CFR 6.4(b)(5) and (c)(5)
     – Consequences of failure to meet capital requirements – 12 CFR 167.10 – See generally 12 CFR 6
     – Reservation of authority – 12 CFR 167.11 – 12 CFR 3.1(d)
     – Purchased credit card relationships, servicing assets, intangible assets (other than purchased credit card relationships and servicing assets), credit-enhancing interest-only strips, and deferred tax assets – 12 CFR 167.12 – 12 CFR 3.22
     – Risk-based capital requirements – internal ratings-based and advanced measurement approaches – Appendix C – Subpart E (12 CFR 3.100 – 3.173)
Duties of Users of Consumer Reports Regarding Records Disposal 12 CFR 171, subpart I
(12 CFR 171.83)
12 CFR 41.83
Identity Theft Red Flags 12 CFR 171, subpart J
(12 CFR 171.90 – 171.92)
12 CFR 41, subpart J
(12 CFR 41.90 – 41.91)
Management Official Interlocks 12 CFR 196 12 CFR 26
     – Authority, purpose and scope – 12 CFR 196.1 – 12 CFR 26.1
     – Definitions – 12 CFR 196.2 – 12 CFR 26.2
     – Prohibitions – 12 CFR 196.3 – 12 CFR 26.3
     – Interlocking relationships permitted by statute – 12 CFR 196.4 – 12 CFR 26.4
     – Small market share exemption – 12 CFR 196.5 – 12 CFR 26.5
     – General exemption – 12 CFR 196.6 – 12 CFR 26.6
     – Change in circumstances – 12 CFR 196.7 – 12 CFR 26.7
     – Enforcement – 12 CFR 196.8 – 12 CFR 26.8
     – Interlocking relationships permitted pursuant to Federal Deposit Insurance Act – 12 CFR 196.9 – 12 CFR 26.4(j)

1Applicable to Advanced approaches national banks and federal savings associations now; applicable to all other national banks and federal savings associations as of January 1, 2015.

2Applicable to Advanced approaches national banks and federal savings associations now; applicable to all other national banks and federal savings associations as of January 1, 2015.