[Federal Register Volume 60, Number 234 (Wednesday, December 6, 1995)]
[Proposed Rules]
[Pages 62345-62349]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 95-29541]
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Proposed Rules
Federal Register
________________________________________________________________________
This section of the FEDERAL REGISTER contains notices to the public of
the proposed issuance of rules and regulations. The purpose of these
notices is to give interested persons an opportunity to participate in
the rule making prior to the adoption of the final rules.
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Federal Register / Vol. 60, No. 234 / Wednesday, December 6, 1995 /
Proposed Rules
[[Page 62345]]
FEDERAL DEPOSIT INSURANCE CORPORATION
12 CFR Chapter III
Review of Regulations and Written Policies
AGENCY: Federal Deposit Insurance Corporation.
ACTION: Notice of opportunity for comment.
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SUMMARY: The Federal Deposit Insurance Corporation (FDIC) is conducting
a systematic review of each its regulations and written policies.
Section 303(a) of the Riegle Community Development and Regulatory
Improvement Act of 1994 (CDRI) requires the federal banking agencies to
identify and revise regulations and written policies that may be
inefficient, cause unnecessary burden or contain outmoded, duplicative
or inconsistent provisions; and to work jointly to make uniform all
regulations and policies that implement common statutory or regulatory
schemes. As part of this systematic review, the FDIC is seeking public
comment to identify ways in which its regulation and written policies
can be streamlined and made uniform with the other banking agencies.
Comments and suggestions should be as specific as possible, citing the
particular part of the regulation or policy statement recommended for
revision or recission, and, if a revision is recommended, stating
specifically the revision proposed. The FDIC already has undertaken
various measures since the passage of section 303 to streamline its
regulations and policies, as well as to work jointly with the other
federal banking agencies to make uniform regulations and guidelines
implementing common statutory and supervisory policies.
DATES: The FDIC anticipates that many of the reviews will result in the
publication of proposals to revise specific regulations and statements
of policy, with dates for comments identified at the time of
publication. While comments may be submitted at any time through the
due dates identified when those proposals are published, the FDIC urges
interested parties to submit comments as soon as possible. Those
submitted before the tentatively scheduled completion dates for the
reviews, as displayed in the schedule at the end of this document are
more likely to be considered during the early stages of the development
of recommendations.
ADDRESSES: Written comments should be addressed to the Office of the
Executive Secretary, FDIC, 550 17th Street, NW, Washington, D.C. 20429.
Comments may be hand delivered to Room F-402, 1776 F Street, N.W.,
Washington, D.C. 20439, on business days between 8:30 a.m. and 5:00
p.m. Comments may be sent fax to: (202) 898-3838 or by the Internet to:
comments@fdic.gov. Comments will be available for inspection at the
FDIC's Reading Room, Room 7118, 550 17th Street, N.W., Washington, D.C.
between 9:00 a.m. and 4:30 p.m. on business days. All comments should
reference CDRI section 303, and identify the regulation or policy
statement which they concern.
FOR FURTHER INFORMATION CONTACT: Steven F. Hanft, Assistant Executive
Secretary (Administration), Office of the Executive Secretary, (202)
898-3907; or Judith Bailey, Counsel, Legal Division (202) 898-6955;
Federal Deposit Insurance Corporation, 550 17th Street, NW.,
Washington, D.C. 20429.
SUPPLEMENTARY INFORMATION: The FDIC is conducting a systematic review
of its regulations and written policies. Section 303(a) of the CDRI (12
U.S.C. 4803(a)) requires that each federal banking agency shall,
consistent with the principles of safety and soundness, statutory law
and policy, and the public interest:
(1) Conduct a review of the regulations and written policies of
that agency to--
(A) streamline and modify those regulations and policies in order
to improve efficiency, reduce unnecessary costs, and eliminate
unwarranted constraints on credit availability;
(B) remove inconsistencies and outmoded and duplicative
requirements; and
(C) with respect to regulations prescribed pursuant to section
18(o) of the Federal Deposit Insurance Act (12 U.S.C. 1828(o), (real
estate lending standards), consider the impact that such standards have
on the availability of credit for small business, residential, and
agricultural purposes, and on low-and moderate-income communities;
(2) work jointly with the Federal banking agencies to make uniform
all regulations and guidelines implementing common statutory or
supervisory policies; and
(3) submit a joint report to Congress at the end of such 2-year
period detailing the progress of the agencies in carrying out this
subsection.
Thus, there are two parts to the review required by section 303(a).
First, the FDIC, like the other federal banking agencies, must review
and streamline all its regulations and written policies to improve
efficiency, to remove unnecessary costs and burdens, and to eliminate
inconsistent, outmoded or duplicative provisions. Second, the FDIC is
required to work with the other banking agencies to make uniform those
regulations and guidelines that implement common statutory or
supervisory policies. The federal banking agencies must report to
Congress detailing the progress they have made in both the streamlining
and uniformity reviews by September 23, 1996. To date, the FDIC has
received some comments and uniformity reviews by September 23, 1996. To
date, the FDIC has received some comments and suggestions for
regulatory reform from interested parties, but the FDIC would like to
encourage wider public involvement.
The FDIC has place a high proprity on regulatory review. In
testimony on May 18, 1995 before the Subcommittee on Financial
Institutions and Consumer Credit of the Committee on Banking and
Financial Services of the U.S. House of Representatives, Chairman
Helfer stated that the FDIC would test regulations against specific
criteria:
(1) Whether the regulations are necessary to ensure a safe and
sound banking system, (2) whether the regulations enhance the
functioning of the marketplace, or (3) whether the regulations can
be justified on strong public grounds related to consumer
protection.
The FDIC is devoting considerable resources to regulatory review.
The FDIC has assembled staff teams to review each of its regulations
and policy statements, and those teams already
[[Page 62346]]
have begun this reviews. Further, FDIC staff is coordinating with staff
of the other federal banking agencies to review common regulations,
written policies and guidelines, with the goal of working toward
uniformity. A schedule for reviewing FDIC regulations and policy
statements appears at the end of this notice.
The FDIC seeks to impose the least intrusive and least burdensome
regulations possible while affording maximum flexibility in
implementing its statutory mandates. This approach is evident in recent
changes to assessment regulation (12 CFR Part 327) which automate the
assessment process and permit insured institutions to take advantage of
a more flexible payment schedule, and to the FDIC's regulations on real
estate appraisals (12 CFR Part 323), which reduce costs and encourage
lending by decreasing the number of loans requiring an appraisal.
This approach is also manifested in the implementation of various
provisions of FDICIA in which the FDIC has adopted minimal regulations
together with flexible guidelines, such as the audit regulations (12
CFR Part 363), standards for safety and soundness (12 CFR Part 364),
and real estate lending standards (12 CFR Part 365). Further, the FDIC
is reducing regulatory burden by linking supervision more closely to
risk with the risk-based insurance program, whereby well-capitalized
and well-managed institutions are charged considerably less for deposit
insurance than institutions that are undercapitalized and exhibit
weakness.
The FDIC's is mindful that regulatory burden also may be associated
with examination and supervisory process, and is therefore
investigating and introducing less intrusive examination techniques.
The FDIC has reduced total hours per examination by 10% through pre-
examination planning doing more of the examination work off-site in
FDIC field offices coordinating examinations with sate and other
federal regulators to eliminate supervisory overlap and to extend the
examination cycle when appropriate, and increasing examination
efficiency through automation of the examination process. The FDIC is
beginning to develop an automated loan review program that will reduce
the number of specialized loan reports requested by examiners.
The FDIC is also seeking additional reductions by surveying bankers
to determine what the industry feels is burdensome about the
examination process; and by investigating the use of Internet to permit
electronic submission of applications, and to make available to the
public supervisory materials such as Financial Institution Letters,
examination manuals, and the rules and regulations of the FDIC. The
FDIC has already established procedures for using the Internet to
comment on proposed rules and regulations. Additional regulatory
revisions that are complete or well underway include:
Final revisions to the FDIC's regulations implementing the
Community Reinvestment Act (12 CFR Part 345) have been approved by the
FDIC Board of Directors and were published on May 4, 1995 (60 FR
22156), providing more objective, performance-based assessment
standards that minimize the burden of compliance while improving
performance. The revised regulation provides alternative examination
methods for different sizes and types of institutions, and emphasizes
results rather than paperwork and procedure.
A notice of proposed rulemaking to streamline and clarify
the flood insurance provisions in the FDIC's regulations on ``Loans in
Areas having Special Flood Hazards'' (12 CFR Part 339) was published on
October 18, 1995 (60 FR 53962), with comments due December 17, 1995.
The proposed changes to this regulation would clarify its terms and
standardize recordkeeping and reporting requirements among all insured
institutions.
A notice of proposed rulemaking to simplify the reporting
of suspected criminal activity, ``Reports of Apparent Crimes'' (12 CFR
Part 353), was published on September 14, 1995, with a comment period
that closed November 13, 1995 (60 FR 47719).
A notice of proposed rulemaking on revisions to
``Disclosure of Information'' (12 CFR Part 309) was published on July
6, 1995 (60 FR 35148) with a comment period that closed September 9,
1995. The proposed revisions would make it easier for the public to
obtain information from the FDIC.
As it continues with its regulatory review, the FDIC would like to
provide an opportunity for the earliest possible participation by
consumers, banking industry representatives, and the general public,
before notices of proposed rulemaking and proposed revisions to policy
statements are published by the FDIC Board as part of a notice-and-
comment process. To that end the FDIC is encouraging the public to
provide suggestions early in the review cycle to assist in the
development of specific regulatory proposals. It is anticipated that,
in many cases specific recommendations for modifying the FDIC's
regulations and policies will be brought before the FDIC's Board of
Directors as a result of the reviews. Those recommendations, if adopted
by the FDIC's Board, will be published as formal proposals for comment.
Comments provided at this early stage, however, will permit the
formulation of improved proposals for consideration by the FDIC's Board
of Directors. The request for comments at this early stage is thus
separate from, and in addition to, any future opportunity for comment
on specific proposed revisions to individual regulations and policies
that may result from the work of the reviewing teams.
Comments should be submitted on regulations and written
policies that are unique to the FDIC as well as those that are in
common with the other federal banking agencies.
Comments should focus on and cite particular provisions or
language, and provide particular reasons why such provisions are
burdensome, inefficient or outmoded.
Comments should cite particular provisions or language
that should be revised or eliminated and, where possible or
appropriate, suggest alternative provisions or language.
If the implementation of a comment would require modifying
the statutes that underlie a regulation or policy, the comment should,
if possible, identify the needed statutory change.
Existing FDIC regulations are found in chapter XXII of title 5 and
chapter III of title 12 of the Code of Federal Regulations. FDIC
Statements of Policy are compiled in 2 FDIC Law, Regulations, Related
Acts (FDIC), 5001-5412. As noted above, the FDIC anticipated that many
of the reviews will result in the publication of proposals to revise
specific regulations and statements of policy, with due dates for
comments identified at the time of publication. While comments may be
submitted at any time through the due dates identified when those
proposals are published, the FDIC urges interested parties to submit
comments as soon as possible. Those submitted before the tentatively
scheduled completion dates for the reviews, as displayed in the
schedule below, are more likely to be considered during the early
stages of the development of recommendations. It is hoped that, by
providing this schedule, commenters will have the ability to address
significant regulatory issues in an orderly and focused fashion. Page
numbers in the schedule refer to the location of policy statements in
the FDIC's looseleaf service known as FDIC Law, Regulations, Related
Acts.
Tentative Schedule for Reviewing Regulations and Statements of Policy
of the FDIC Under Section 303(a) of CDRI
[[Page 62347]]
FDIC.--Tentative Schedule of Regulatory Reviews Under Section 303
----------------------------------------------------------------------------------------------------------------
Part/page No. Regulation/statement of policy Target date
----------------------------------------------------------------------------------------------------------------
Page No. 5241................... Joint Policy Statement on Delayed 2nd Quarter 1995.
Availability of Funds.
Page No. 5271................... Joint Policy Statement on Basic 2nd Quarter 1995.
Financial Services.
310............................. Privacy Act Regulations................. 3rd Quarter 1995.
339............................. Loans in Areas Having Special Flood 4th Quarter 1995.
Hazards.
Page No. 5411................... Statement of Policy Regarding Treatment 4th Quarter 1995.
of Collateralized Letters of Credit
After Appointment of the Federal
Deposit Insurance Corporation as
Conservator or Receiver.
309............................. Disclosure of Information............... 4th Quarter 1995.
307............................. Notification of Changes of Insured 4th Quarter 1995.
Status.
308............................. Rules of Practice and Procedure......... 4th Quarter 1995.
323............................. Appraisals.............................. 4th Quarter 1995.
324............................. Agricultural Loan Loss Amortization..... 4th Quarter 1995.
326............................. Minimum Security Devices and Procedures 4th Quarter 1995.
and Bank Secrecy Act Compliance.
328............................. Advertisement of Membership............. 4th Quarter 1995.
333............................. Extension of Corporate Powers........... 4th Quarter 1995.
335............................. Securities of Nonmember Insured Banks... 4th Quarter 1995.
344............................. Recordkeeping and Confirmation 4th Quarter 1995.
Requirements for Securities
Transactions.
353............................. Reports of Apparent Crimes Affecting 4th Quarter 1995.
Insured Nonmember Banks.
363............................. Annual Independent Audits and Reporting 4th Quarter 1995.
Requirements.
Page No. 5061................... Offering Circular Requirements for 4th Quarter 1995.
Public Issuance of Bank Securities;
Statement of Policy Regarding Use of
Offering Circulars in Connection with
Public Distribution of Bank Securities.
Page No. 5073................... Federal Financial Institutions 4th Quarter 1995.
Examination Council Policy Statement--
Disclosure of Statutory Enforcement
Actions.
Page No. 5145................... FDIC Statement of Policy; Bank Merger 4th Quarter 1995.
Transactions.
Page No. 5209................... Interagency Policy Statement Regarding 4th Quarter 1995.
Advertising of NOW Accounts.
Page No. 5225................... FDIC Statement of Policy on the 4th Quarter 1995.
Applicability of the Glass-Steagall Act
to Securities Activities of
Subsidiaries of Insured Nonmember Banks.
Page No. 5259................... Justice Department Policy on Bank 4th Quarter 1995.
Bribery Prosecution.
Page No. 5277................... Guidelines for Monitoring Bank Secrecy 4th Quarter 1995.
Act Compliance.
Page No. 5289................... Guidelines for Compliance with the 4th Quarter 1995.
Federal Bank Bribery Law.
Page No. 5305................... Interagency Policy on Contingency 4th Quarter 1995.
Planning for Financial Institutions.
Page No. 5317................... FFIEC Supervisory Policy on Large-Scale 4th Quarter 1995.
Integrated Financial Software System
(LSIS).
Page No. 5321................... Risks and Controls in End-User Computing 4th Quarter 1995.
Page No. 5325................... Interagency Statement on EDP Service 4th Quarter 1995.
Contracts.
Page No. 5345................... FFIEC EDP Interagency Examination, 4th Quarter 1995.
Scheduling and Distribution Policy.
Page No. 5371................... Policy Statement to Address the Problem 4th Quarter 1995.
of the Use of Large-Value Funds
Transfers for Money Laundering.
Page No. 5395................... Statement of Policy on Alternative 4th Quarter 1995.
Dispute Resolution.
342............................. Applications for a Stay or Review of 1st Quarter 1996.
Actions of Bank Clearing Agencies.
Page No. 5235................... FDIC Statement of Policy on Assistance 1st Quarter 1996.
to Operating Insured Depository
Institutions.
304............................. Forms, Instructions, and Reports........ 1st Quarter 1996.
Page No. 5039................... Time Limits for Filing Reports of 1st Quarter 1996.
Condition.
343............................. Insured State Nonmember Banks which are 1st Quarter 1996.
Municipal Securities Dealers.
Page No. 5029................... Insured State Nonmember Banks--Statement 1st Quarter 1996.
of Policy and Guidelines for
Investments in ``Leeway Securities''.
311............................. Rules Governing Public Observation of 1st Quarter 1996.
Meetings of the Corporation's Board of
Directors.
329............................. Interest on Deposits.................... 1st Quarter 1996.
348............................. Management Official Interlocks.......... 1st Quarter 1996.
Page No. 5053................... Changes in Control in Insured Nonmember 1st Quarter 1996.
Banks.
Page No. 5065................... Federal Financial Institutions 1st Quarter 1996.
Examination Council on Behalf of its
Constituent Agencies--Joint Notice of
Policy Statement on Discrimination.
Page No. 5113................... FDIC Statement of Policy on Qualified 1st Quarter 1996.
Financial Contracts.
Page No. 5195................... Joint Notice of Adoption of Standard 1st Quarter 1996.
Descriptive Terms to be used in
Competitive Factor Reports Prepared
Pursuant to the Bank Merger Act (12
U.S.C. 1828(c)).
Page No. 5275................... Guidelines for Implementing a Policy of 1st Quarter 1996.
Capital Forbearance.
Page No. 5329................... Policy Statement on Encouragement and 1st Quarter 1996.
Preservation of Minority Ownership of
Financial Institutions.
Page No. 5331................... FDIC Statement of Policy Regarding the 1st Quarter 1996.
Payment of State and Local Property
Taxes.
Page No. 5335................... Statement of Policy Regarding Treatment 1st Quarter 1996.
of Collateralized Put Obligations After
Appointment of the Federal Deposit
Insurance Corporation as Conservator or
Receiver.
Page No. 5369................... Statement Concerning the 1st Quarter 1996.
Responsibilities of Bank Directors and
Officers.
Page No. 5373................... Interagency Policy Statement on 1st Quarter 1996.
Documentation for Loans to Small- and
Medium-sized Businesses and Farms.
Page No. 5377................... Statement of Policy Regarding Treatment 1st Quarter 1996.
of Security Interests After Appointment
of the Federal Deposit Insurance
Corporation as Conservator or Receiver.
Page No. 5381................... Statement of Policy on Contracting With 1st Quarter 1996.
Outside Firms.
Page No. 5387................... Interagency Guidance on Accounting for 1st Quarter 1996.
Dispositions of Other Real Estate Owned.
Page No. 5391................... Policy Statement of Board of Governors 1st Quarter 1996.
of the Federal Reserve System, Office
of the Comptroller of the Currency,
Federal Deposit Insurance Corporation,
and Office of Thrift Supervision
Concerning Branch Closing Notices and
Policies.
12 CFR 337.6.................... Brokered Deposits....................... 1st Quarter 1996.
5 CFR 3201...................... Supplemental Standards of Conduct for 2nd Quarter 1996.
Employees of the FDIC.
341............................. Registration of Securities Transfer 2nd Quarter 1996.
Agents.
[[Page 62348]]
Page No. 5175................... National Historic Preservation Act of 2nd Quarter 1996.
1966.
Page No. 5043................... Improper and Illegal Payments by Banks 2nd Quarter 1996.
and Bank Holding Companies.
337............................. Unsafe and Unsound Banking Practices.... 2nd Quarter 1996.
346............................. Foreign Banks........................... 2nd Quarter 1996.
347............................. Foreign Activities of Insured State 2nd Quarter 1996.
Nonmember Banks.
349............................. Reports and Public Disclosure of 2nd Quarter 1996.
Indebtedness of Executive Officers and
Principal Shareholders to a State
Nonmember Bank and its Correspondent
Banks.
360............................. Receivership Rules...................... 2nd Quarter 1996.
362............................. Activities and Investments of Insured 2nd Quarter 1996.
State Banks.
Page No. 5031................... Applications, Legal Fees, and Other 2nd Quarter 1996.
Expenses.
Page No. 5041................... Consent to Service of Persons Convicted 2nd Quarter 1996.
of Offenses Involving Dishonesty or a
Breach of Trust as Directors, Officers
or Employees of Insured Banks.
Page No. 5075................... Interagency Coordination of Formal 2nd Quarter 1996.
Corrective Action by the Federal Bank
Regulatory Agencies.
Page No. 5077................... Interagency Coordination of Bank Holding 2nd Quarter 1996.
Company Inspections and Subsidiary Bank
Examinations.
Page No. 5079................... Uniform Financial Institutions Rating 2nd Quarter 1996.
System.
Page No. 5081................... Uniform Policy for Classification of 2nd Quarter 1996.
Consumer Installment Credit Based on
Delinquency Status.
Page No. 5105................... Applications to Establish a Domestic 2nd Quarter 1996.
Branch (includes Remote Service
Facilities).
Page No. 5125................... Applications to Relocate Main Office or 2nd Quarter 1996.
Branch (includes Remote Service
Facilities).
Page No. 5155................... Applications Under Section 19 of the 2nd Quarter 1996.
Federal Deposit Insurance Act.
Page No. 5185................... National Environmental Policy Act of 2nd Quarter 1996.
1969.
Page No. 5201................... Interagency Policy Regarding the 2nd Quarter 1996.
Assessment of Civil Money Penalties by
the Federal Financial Institutions
Regulatory Agencies.
Page No. 5217................... FDIC Statement of Policy on Retail 2nd Quarter 1996.
Repurchase Agreements.
Page No. 5237................... Statement Regarding Eligibility to Make 2nd Quarter 1996.
Application to Become an Insured Bank
Under Section 5 of the Federal Deposit
Insurance Act.
Page No. 5249................... Federal Financial Institutions 2nd Quarter 1996.
Examination Council Supervisory Policy--
Securities Lending.
Page No. 5257................... Federal Financial Institutions 2nd Quarter 1996.
Examination Council Supervisory Policy--
The Sale of U.S. Government Guaranteed
Loans and Sale Premiums.
Page No. 5265................... Federal Financial Institutions 2nd Quarter 1996.
Examination Council Supervisory Policy--
Repurchase Agreements of Depository
Institutions With Securities Dealers
and Others.
Page No. 5299................... Statement of Policy Regarding 2nd Quarter 1996.
Independent External Auditing Programs
of State Nonmember Banks.
Page No. 5349................... Applications for Deposit Insurance...... 2nd Quarter 1996.
Page No. 5057................... Development and Review of FDIC Rules and 3rd Quarter 1996.
Regulations.
Page No. 5035................... Gold.................................... 3rd Quarter 1996.
5 CFR 3202...................... Financial Disclosure Requirements for 3rd Quarter 1996.
Employees of the FDIC.
303............................. Applications, Requests, Submittals, 3rd Quarter 1996.
Delegations of Authority, and Notices
Required to be Filed by Statute or
Regulation.
325............................. Capital Maintenance..................... 3rd Quarter 1996.
Page No. 5067................... Statement of Policy Concerning Interest 3rd Quarter 1996.
Rate Futures Contracts, Forward
Contracts and Standby Contracts.
Page No. 5197................... Uniform Guideline on Internal Control 3rd Quarter 1996.
for Foreign Exchange Activities in
Commercial Banks.
Page No. 5293................... Supervisory Policy Statement on 3rd Quarter 1996.
Securities Activities.
Page No. 5327................... Statement of Policy Regarding Liability 3rd Quarter 1996.
of Commonly Controlled Depository
Institutions.
327............................. Assessments............................. 4th Quarter 1996.
338............................. Fair Housing............................ 4th Quarter 1996.
Page No. 5049................... Administrative Enforcement of the Truth 4th Quarter 1996.
in Lending Act--Restitution.
Page No. 5221................... Equal Credit Opportunity and Fair 4th Quarter 1996.
Housing Acts Enforcement Policy
Statement.
Page No. 5303................... Federal Financial Institutions 4th Quarter 1996.
Examination Council Statement on the
Home Mortgage Disclosure Act.
Page No. 5337................... FFIEC Policy Statement Prescreening by 4th Quarter 1996.
Financial Institutions and the Fair
Credit Reporting Act.
Page No. 5397................... Policy Statement on Discrimination in 4th Quarter 1996.
Lending.
330............................. Deposit Insurance Coverage.............. 4th Quarter 1996.
350............................. Disclosure of Financial and Other 4th Quarter 1996.
Information by FDIC-Insured State
Nonmember Banks.
351............................. International Operations................ 4th Quarter 1996.
365............................. Real Estate Lending Standards........... 4th Quarter 1996.
Page No. 5045................... Income Tax Remittance by Banks to 4th Quarter 1996.
Holding Company Affiliates.
Page No. 5063................... Statement of Policy on Supervision of 4th Quarter 1996.
U.S. Branches and Agencies of Foreign
Banks.
Page No. 5213................... Uniform Interagency Consumer Compliance 4th Quarter 1996.
Rating System.
Page No. 5302.01................ Statement of Policy Providing Guidance 4th Quarter 1996.
on External Auditing Procedures for
State Nonmember Banks.
Page No. 5359................... Statement of Policy on Foreclosure 4th Quarter 1996.
Consent and Redemption Rights.
Page No. 5367................... Interagency Policy Statement on 4th Quarter 1996.
Coordination and Communication Between
External Auditors and Examiners.
Page No. 5165................... Policy Statement on Community 3rd Quarter 1997.
Reinvestment Act.
Page No. 5205................... Community Reinvestment Act Information 3rd Quarter 1997.
Statement.
Page No. 5227................... Revised Uniform Interagency Community 3rd Quarter 1997.
Reinvestment Act Assessment Rating
System.
Page No. 5309................... Statement of the Federal Financial 3rd Quarter 1997.
Supervisory Agencies Regarding the
Community Reinvestment Act.
Page No. 5339................... Federal Financial Institutions 3rd Quarter 1997.
Examination Council Community
Reinvestment Act Policy Statement on
Analyses of Geographic Distribution of
Lending.
----------------------------------------------------------------------------------------------------------------
[[Page 62349]]
Dated: November 28, 1995.
Federal Deposit Insurance Corporation.
Jerry L. Langley,
Executive Secretary.
[FR Doc. 95-29541 Filed 12-5-95; 8:45 am]
BILLING CODE 6714-01-M
