This legal document, part of the Code of Federal Regulations, specifically falls under the regulations set by the Consumer Financial Protection Bureau (CFPB) for credit card accounts and open-end credit offered to college students. It defines an ‘over-the-limit transaction’ as any extension of credit that causes a consumer’s credit card account balance to exceed the credit limit. The document outlines the opt-in requirements for card issuers to assess fees or charges on a consumer’s credit card account for over-the-limit transactions.

The provided legal document content covers the disclosure of records and information by the Consumer Financial Protection Bureau (CFPB). It defines terms related to disclosure, outlines the responsibilities and authorities of key personnel within the CFPB, and clarifies the definition of financial institution. The documents establish the Chief Operating Officer as the custodian of CFPB records and prohibit unauthorized disclosure by employees or former employees. Another document governs the service of summonses and complaints to the CFPB and its employees, specifying that only the General Counsel is authorized to receive them.

This legal document, part of the Code of Federal Regulations, establishes consumer protections in the sales of insurance products or annuities. It applies to national banks, Federal savings associations, and other persons engaged in such activities on behalf of these institutions. The document defines various terms related to consumer protection in sales of insurance and clarifies their scope and applicability. It prohibits covered persons from engaging in practices that would mislead consumers regarding the purchase of insurance products or annuities or the backing or insurance coverage of these products.

The provided legal document content governs the electronic operations of Federal savings associations. It allows Federal savings associations to use electronic means or facilities to perform functions and provide products or services as part of authorized activities. The electronic means or facilities include automated teller machines, automated loan machines, personal computers, the internet, telephones, and other similar electronic devices. Federal savings associations are also allowed to market and sell electronic capacities and by-products to third parties if acquired or developed in good faith as part of providing financial services.

The provided legal document content pertains to the deposit activities of Federal savings associations. It states that Federal savings associations can raise funds through accounts and issue evidence of accounts under specific regulations and their charter. State law applies to the deposit activities of Federal savings associations and their subsidiaries in the same manner as it applies to national banks and their subsidiaries. The document allows Federal savings associations to pay interest at any rate or anticipated rate of return on accounts, either in deposit or share form, as provided in their charter and the account’s terms.

This legal document, found in the Code of Federal Regulations under the section ‘Banks and Banking’, governs the sales of credit life insurance by national banks. It applies to national bank employees, officers, directors, principal shareholders, and certain entities in which such persons own an interest of more than ten percent. The document prohibits directors, officers, employees, and principal shareholders from personally profiting from the sale of credit life insurance and requires that commissions or other income from such sales be credited to the bank’s income accounts.

This legal document, part of the Code of Federal Regulations, specifically Regulation A, governs the extensions of credit by Federal Reserve Banks. It applies to depository institutions, including insured banks, mutual savings banks, savings banks, insured credit unions, members of the Federal Home Loan Bank, and savings associations. However, financial institutions that are not required to maintain reserves under 204.1(c)(4) of Regulation D are exempted from this regulation. The document provides definitions for various terms such as ‘appropriate federal banking agency,’ ‘critically undercapitalized insured depository institution,’ ‘depository institution,’ ’transaction account,’ ’nonpersonal time deposit,’ ‘undercapitalized insured depository institution,’ and ‘viable.

The provided legal document content consists of multiple regulations issued by the Board of Governors of the Federal Reserve System, known as Regulation D. These regulations govern the reserve requirements imposed on various depository institutions. The purpose of these regulations is to facilitate the implementation of monetary policy by the Federal Reserve System. The regulations apply to insured banks, savings banks, mutual savings banks, insured credit unions, members of the Federal Home Loan Bank, insured institutions under the National Housing Act, foreign banks’ branches or agencies, Edge Corporations, and Agreement Corporations.

This document, part of the Code of Federal Regulations, specifically falls under the jurisdiction of the Board of Governors of the Federal Reserve System. It pertains to the regulation of electronic fund transfers (EFTs) under the Electronic Fund Transfer Act (EFTA). The document provides definitions for various terms used in the regulation, including ‘access device,’ ‘account,’ ‘consumer,’ ’electronic fund transfer,’ ’electronic terminal,’ ‘financial institution,’ ‘person,’ ‘preauthorized electronic fund transfer,’ ‘state,’ and ‘unauthorized electronic fund transfer.

This section of the Code of Federal Regulations, specifically Regulation H issued by the Board of Governors of the Federal Reserve System, governs the filing of Suspicious Activity Reports (SARs) by member banks. The purpose of this section is to ensure that member banks file SARs when they detect known or suspected violations of federal law, suspicious transactions related to money laundering activities, or violations of the Bank Secrecy Act. The section provides definitions for key terms such as FinCEN (Financial Crimes Enforcement Network) and institution-affiliated party.