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Managing a Business

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Financial Services

The following resources provide further information on how to comply with the laws and regulations that apply to businesses in the financial services industry.

On this page:

Banking Services

  • Bank Regulations and Examinations
    Provides access to examination manuals and other materials including laws and regulations that govern the actions of Federal Deposit Insurance Company- (FDIC) insured institutions and resources for banking professionals including bank directors.

  • Community Reinvestment Act (CRA)
    Explains how the CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities.

  • Economic Growth and Regulatory Paperwork Reduction Act (EGRPRA)
    Covers how the EGRPRA requires the federal financial regulatory agencies to identify outdated, unnecessary, or unduly burdensome statutory or regulatory requirements. This site provides a place for bankers to comment on pending issues regarding regulatory matters.

  • FDICconnect Business Center
    Provides access to the FDIC's secure Internet website for bankers.

  • Federal Reserve Board: Application and Filing Information
    Contains general information about the types of filings required by the Federal Reserve and how they are processed. Banking organizations are generally required to notify the Federal Reserve or seek its approval before acquiring banks or companies, or engaging in new activities.

  • Federal Reserve Board: Regulations and Compliance Guides
    Provides access to the full text of regulations that the Federal Reserve Board is responsible for implementing under the Federal Reserve Act.

  • Quick Links to Resources for Banking Professionals
    Lists a variety of resources for banking professionals categorized by topic.

National Banks

A National Bank is one chartered by the U.S. Office of the Comptroller of the Currency (OCC), an agency in the U.S. Department of the Treasury. The following resources help these banks comply with OCC regulations.

Credit Unions

Information Security

  • Consumer Reports: What Insurers Need to Know
    Covers how insurance providers using consumer credit reports to underwrite insurance policies and to screen high-risk applicants must comply with privacy regulations under the Fair Credit Reporting Act.

  • Financial Institutions and Customer Information: Complying with the Safeguards Rule
    Explains how the Gramm-Leach-Bliley (GLB) Act requires companies defined under the law as "financial institutions" to ensure the security and confidentiality of customer data including names, addresses, and phone numbers; bank and credit card account numbers; income and credit histories; and Social Security numbers.

  • Gramm-Leach Bliley Act
    Provides an overview of the Gramm-Leach-Bliley Act, which includes provisions to protect consumers' personal financial information held by financial institutions. This guide discusses three principal parts to the Act's privacy requirements: the Financial Privacy Rule, Safeguards Rule, and pretexting provisions.

International Trade

Mortgages

Pensions

  • 4010 Filing Requirements
    Summarizes and explains the requirement of certain under-funded plans to report identifying, financial and actuarial information to the Pension Benefit Guaranty Corporation (PBGC).

  • Exemption Procedures Under Federal Pension Law
    Provides information about the exemption provisions under Section 408(a) of ERISA. The booklet provides employers, plan administrators and employee benefit practitioners with the basic requirements and procedures needed to apply for exemptions from the prohibited transaction rules of Employee Retirement Income Security Act (ERISA).

  • Pension Guide for Practitioners
    Supplies resources available to PBGC practitioners such as actuaries, plan administrators, plan sponsors and other plan professionals.

  • Small Business Guide to Federal Pension Insurance
    Offers a guide to help employers understand legal requirements for pension plans.

Savings & Loans

  • Thrift Institution Compliance Self-Assessment Guide
    Offers guide to complying with consumer protection laws and regulations by outlining a process that a savings association should use to evaluate its compliance operations and to enhance the effectiveness of its compliance program.

  • Thrift Institution Examination Handbook
    Supplies a comprehensive handbook that contains safety, soundness and compliance guidance. This handbook addresses all of the major areas of concern to examiners and supervisors during a full-scope examination of OTS-regulated savings associations.

Securities & Investments Industry

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