CFR Title 12 – Banks and Banking is one of 50 titles composing the United States Code of Federal Regulations (CFR) and contains the principal set of rules and regulations issued by federal agencies regarding banks and banking. It is available in digital and printed form and can be referenced online using the Electronic Code of Federal Regulations (e-CFR).
The table of contents, as reflected in the e-CFR updated March 5, 2014, is as follows: [1]
  | This article relating to law in the United States or its constituent jurisdictions is a stub. You can help Wikipedia by expanding it. |
In the law of the United States, the Code of Federal Regulations (CFR) is the codification of the general and permanent regulations promulgated by the executive departments and agencies of the federal government of the United States. The CFR is divided into 50 titles that represent broad areas subject to federal regulation.
Reserve requirements are central bank regulations that set the minimum amount that a commercial bank must hold in liquid assets. This minimum amount, commonly referred to as the commercial bank's reserve, is generally determined by the central bank on the basis of a specified proportion of deposit liabilities of the bank. This rate is commonly referred to as the reserve ratio. Though the definitions vary, the commercial bank's reserves normally consist of cash held by the bank and stored physically in the bank vault, plus the amount of the bank's balance in that bank's account with the central bank. A bank is at liberty to hold in reserve sums above this minimum requirement, commonly referred to as excess reserves.
Regulation Q is a Federal Reserve regulation which sets out capital requirements for banks in the United States. The version of Regulation Q current as of 2021 was enacted in 2013.
The Expedited Funds Availability Act was enacted in 1987 by the United States Congress for the purpose of standardizing hold periods on deposits made to commercial banks and to regulate institutions' use of deposit holds. It is also referred to as Regulation CC or Reg CC, after the Federal Reserve regulation that implements the act. The law is codified in Title 12, Chapter 41 of the US Code and Title 12, Part 229 of the Code of Federal Regulations.
Bank regulation in the United States is highly fragmented compared with other G10 countries, where most countries have only one bank regulator. In the U.S., banking is regulated at both the federal and state level. Depending on the type of charter a banking organization has and on its organizational structure, it may be subject to numerous federal and state banking regulations. Apart from the bank regulatory agencies the U.S. maintains separate securities, commodities, and insurance regulatory agencies at the federal and state level, unlike Japan and the United Kingdom. Bank examiners are generally employed to supervise banks and to ensure compliance with regulations.
CFR Title 50 - Wildlife and Fisheries is one of fifty titles comprising the United States Code of Federal Regulations (CFR). Title 50 is the principal set of rules and regulations issued by federal agencies of the United States regarding wildlife and fisheries. Maintained by the Office of the Federal Register, it is available in digital and printed form, and can be referenced online the Electronic Code of Federal Regulations (e-CFR).
CFR Title 49 - Transportation is one of fifty titles comprising the United States Code of Federal Regulations (CFR). Title 49 is the principal set of rules and regulations issued by the Departments of Transportation and Homeland Security, federal agencies of the United States regarding transportation and transportation-related security. This title is available in digital and printed form, and can be referenced online using the Electronic Code of Federal Regulations (e-CFR).
CFR Title 3 – The President is one of 50 titles composing the United States Code of Federal Regulations (CFR) and contains the principal set of rules and regulations issued by federal agencies regarding the Executive Office of the President of the United States. It is available in digital and printed form and can be referenced online using the Electronic Code of Federal Regulations (e-CFR).
CFR Title 34 - Education is one of fifty titles comprising the United States Code of Federal Regulations (CFR). Title 34 is the principal set of rules and regulations issued by federal agencies of the United States regarding education. It is available in digital and printed form, and can be referenced online using the Electronic Code of Federal Regulations (e-CFR).
CFR Title 32 – National Defense is one of 50 titles composing the United States Code of Federal Regulations (CFR). Title 32 is the principal set of rules and regulations issued by federal agencies of the United States regarding national defense. It is available in digital and printed form and can be referenced online using the Electronic Code of Federal Regulations (e-CFR).
CFR Title 29 - Labor is one of fifty titles comprising the United States Code of Federal Regulations (CFR), containing the principal set of rules and regulations issued by federal agencies regarding labor. It is available in digital and printed form, and can be referenced online using the Electronic Code of Federal Regulations (e-CFR).
CFR Title 28 - Judicial Administration is one of fifty titles comprising the United States Code of Federal Regulations (CFR), containing the principal set of rules and regulations issued by federal agencies regarding judicial administration. It is available in digital and printed form, and can be referenced online using the Electronic Code of Federal Regulations (e-CFR).
CFR Title 24 - Housing and Urban Development is one of fifty titles comprising the United States Code of Federal Regulations (CFR), containing the principal set of rules and regulations issued by federal agencies regarding housing and urban development. It is available in digital and printed form, and can be referenced online using the Electronic Code of Federal Regulations (e-CFR).
CFR Title 20 – Employees' Benefits is one of 50 titles composing the United States Code of Federal Regulations (CFR) and contains the principal set of rules and regulations issued by federal agencies regarding employees' benefits. It is available in digital and printed form and can be referenced online using the Electronic Code of Federal Regulations (e-CFR).
CFR Title 19 – Customs Duties is one of fifty titles comprising the United States Code of Federal Regulations (CFR), containing the principal set of rules and regulations issued by federal agencies regarding customs duties. It is available in digital and printed form, and can be referenced online using the Electronic Code of Federal Regulations (e-CFR).
CFR Title 13 – Business Credit and Assistance is one of 50 titles composing the United States Code of Federal Regulations (CFR) and contains the principal set of rules and regulations issued by federal agencies regarding business credit and assistance. It is available in digital and printed form and can be referenced online using the Electronic Code of Federal Regulations (e-CFR).
CFR Title 8 – Aliens and Nationality is one of fifty titles composing the United States Code of Federal Regulations (CFR), containing the principal set of rules and regulations issued by federal agencies regarding aliens and nationality. It is available in digital and printed form, and can be referenced online using the Electronic Code of Federal Regulations (e-CFR).
CFR Title 5 – Administrative Personnel is one of fifty titles comprising the United States Code of Federal Regulations (CFR), containing the principal set of rules and regulations issued by federal agencies regarding administrative personnel. It is available in digital and printed form, and can be referenced online using the Electronic Code of Federal Regulations (e-CFR).
CFR Title 4 – Accounts is one of 50 titles composing the United States Code of Federal Regulations (CFR) and contains the principal set of rules and regulations issued by federal agencies regarding accounts. It is available in digital and printed form and can be referenced online using the Electronic Code of Federal Regulations (e-CFR).
CFR Title 31 - Money and Finance: Treasury is one of fifty titles comprising the United States Code of Federal Regulations (CFR). Title 31 is the principal set of rules and regulations issued by federal agencies of the United States regarding money, finance, and the treasury. It is available in digital and printed form, and can be referenced online using the Electronic Code of Federal Regulations (e-CFR).