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Redesignation Table for Savings Association Regulations

(as of April 1, 2017)

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

Title Former Rule Current Rule
Application Processing Procedures 12 CFR part 116 12 CFR part 5, subpart A. See also relevant activity or transaction rule in part 5
- What does this part do? - 12 CFR 116.1 - 12 CFR 5.1, 5.2
- Do the same procedures apply to all applications under this part? - 12 CFR 116.5 - 12 CFR 5.2
- How does the OCC compute time periods under this part? - 12 CFR 116.10 - 12 CFR 5.12
- Must I meet with the OCC before I file my application? - 12 CFR 116.15 - 12 CFR 5.4(f)
- What information must I include in my draft business plan? - 12 CFR 116.20 - See 12 CFR 5.4(f)
- What type of application must I file? - 12 CFR 116.25 - See 12 CFR 5.4
- What information must I provide with my application? - 12 CFR 116.30 - See 12 CFR 5.4 (e)
- May I keep portions of my application confidential? - 12 CFR 116.35 - 12 CFR 5.9
- Where do I file my application? - 12 CFR 116.40 - 12 CFR 5.4(d)
- What is the filing date of my application?/Filing fees - 12 CFR 116.45 - See 12 CFR 5.5, 5.12
- How do I amend or supplement my application? - 12 CFR 116.47 - None
- Public notice - 12 CFR 116.50–116.80 - 12 CFR 5.8
- Comment procedures: What does this subpart do? - 12 CFR 116.100 - None
- Public comment - 12 CFR 116.110–116.140 - 12 CFR 5.10
- Meeting procedures: What does this subpart do? - 12 CFR116.160 - None
- When will the OCC conduct a meeting on an application? - 12 CFR 116.170 - 12 CFR 5.11
- What procedures govern the conduct of a meeting? - 12 CFR 116.180 - 12 CFR 5.11
- Will the OCC approve or disapprove an application at a meeting? - 12 CFR 116.185 - None
- Will a meeting affect application processing time frames? - 12 CFR 116.190 - See 12 CFR 5.11(h)
- If I file a notice under expedited treatment, when may I engage in the proposed activities? - 12 CFR 116.200 - See relevant activity or transaction rule in part 5
- What will the OCC do after I file my application? - 12 CFR 116.210 - 12 CFR 5.13
- If the OCC requests additional information to complete my application, how will it process my application? - 12 CFR 116.220 - 12 CFR 5.13
- Will the OCC conduct an eligibility examination? - 12 CFR 116.230 - 12 CFR 5.7
- What may the OCC require me to do after my application is deemed complete? - 12 CFR 116.240 - 12 CFR 5.8(g), 5.13(c)
- Will the OCC require me to publish a new public notice? - 12 CFR 116.250 - 12 CFR 5.8(g)
- May the OCC suspend processing of my application? - 12 CFR 116.260 - None
- How long is the OCC’s review period? - 12 CFR116.270 - 12 CFR 5.13; see also relevant activity or transaction rule in part 5
- How will I know if my application is approved? - 12 CFR 116.280 - 12 CFR 5.13(d)
- What will happen if the OCC does not approve or disapproves my application within two calendar years after the filing date? - 12 CFR 116.290 - See 12 CFR 5.13(c)
Disclosure of CRA-Related Agreements 12 CFR part 133 12 CFR part 35
Consumer Protection in Sales of Insurance 12 CFR part 136 12 CFR part 14
Federal Mutual Savings Associations: Incorporation, Organization, and Conversion 12 CFR part 143 12 CFR 5.20; 5.42
- Corporate title - 12 CFR 143.1 - 12 CFR 5.20(f)(2(i)), 5.42
- Application for permission to organize - 12 CFR 143.2 - 12 CFR 5.20
- “De novo” applications for a federal savings association charter - 12 CFR 143.3 - 12 CFR 5.20
- Issuance of charter - 12 CFR 143.4 - None
- Completion of organization - 12 CFR 143.5 - 12 CFR 5.20
- Limitations on transaction of business - 12 CFR 143.6 - None
- Federal savings association created in connection with an association in default or in danger of default - 12 CFR 143.7 - None
- Conversions - 12 CFR 143.8–143.10 - 12 CFR 5.23
- Organization plan for governance during first years after issuance of federal mutual savings bank charter - 12 CFR 143.11 - None
- Continuity of existence - 12 CFR 143.14 - 12 CFR 5.23(g)
Federal Mutual Savings Associations: Charter and Bylaws 12 CFR part 144 12 CFR 5.21
- Federal mutual charter - 12 CFR 144.1 - 12 CFR 5.21(e)
- Charter amendments - 12 CFR 144.2 - 12 CFR 5.21(f) –(h)
- Issuance of charter - 12 CFR 144.4 - None
- Federal mutual savings association bylaws - 12 CFR 144.5 - See 12 CFR 5.21(j)
- Effect of subsequent charter or bylaw change - 12 CFR 144.6 - 12 CFR 5.21(j)(5)
- Availability: In association offices - 12 CFR 144.7 - 12 CFR 5.21(i)
- Communication between members of a federal mutual savings association - 12 CFR 144.8 - 12 CFR 5.21(i)(2)(vii), 144.8
Federal Savings Associations: Operations 12 CFR part 145 12 CFR 5.31, 5.40, 5.52
- Home office - 12 CFR 145.91(a) - None
- 12 CFR 145.91(b) - 12 CFR 5.52
- Branch offices - 12 CFR 145.92 - 12 CFR 5.31
- Application and notice requirements and processing procedures for branch and home offices - 12 CFR 145.93, 12 CFR 145.95 - 12 CFR 5.31 (branch offices)

- 12 CFR 5.40 (home office)
- Agency office - 12 CFR 145.96 - 12 CFR 5.31(k)
Federal Mutual Savings Associations:
Merger, Dissolution, Reorganization,
and Conversion
12 CFR part 146 12 CFR 5.33, 5.48
- Definitions, procedures, and transfer of assets upon merger or consolidation - 12 CFR 146.1–146.3 - 12 CFR 5.33
- Voluntary dissolution - 12 CFR 146.4 - 12 CFR 5.48
Fiduciary Powers of Federal Savings Associations 12 CFR part 150, subpart A (12 CFR 150.70-150.125) 12 CFR 5.26
- Obtaining fiduciary powers: Must I obtain OCC approval or file a notice before I exercise fiduciary powers? - 12 CFR 150.70 - 12 CFR 150.70 (revised), 5.26
- Obtaining fiduciary powers - 12 CFR 150.80–150.125 - 12 CFR 5.26
- Electronic Notice for Securities Transactions - 12 CFR 151.110 - Removed
Federal Stock Associations: Incorporation, Organization, and Conversion 12 CFR part 152 12 CFR 5.20, 5.22, 5.23, 5.24, 5.25, 5.33
- Procedure for organization of federal stock association - 12 CFR 152.1 - 12 CFR 5.20
- Procedures for organization of interim federal stock association - 12 CFR 152.2 - 12 CFR 5.33(e)(4)
- Charters, bylaws, boards of directors and officers, share certificates, and books and records - 12 CFR 152.3–152.11 - 12 CFR 5.22
- Business combinations - 12 CFR 152.13–152.15 - 12 CFR 5.33
- Effect of subsequent charter or bylaw change - 12 CFR 152.16 - 12 CFR 5.22(j)(4)
- Federal stock association created in connection with an association in default or in danger of default - 12 CFR 152.17 - None
- Conversion from stock form depository institution to federal stock association - 12 CFR 152.18 - 12 CFR 5.23
- Conversion to national banking association or state bank - 12 CFR 152.19 - 12 CFR 5.24 (to national bank)

- 12 CFR 5.25 (to state bank)

Subordinate Organizations 12 CFR part 159

12 CFR 5.38 (operating subsidiaries)

12 CFR 5.59 (service corporations)
Lending and Investment    
- Pass-through investments - 12 CFR 160.32, except:
  • 160.32(a)
  • 160.32(b)
- 12 CFR 5.58
  • 160.32(a) (same)
  • 160.32(b) (revised)
- Real estate for office and related facilities - 12 CFR 160.37 - 12 CFR 5.37, 7.1000, 7.3001
Lending Limits 12 CFR 160.93 12 CFR part 32
Savings Associations: Operations    
- Submission for approval of chartering documents - 12 CFR 163.1(a) - See 12 CFR 5.20(e)(1)(iii)(A)
- Availability of chartering documents - 12 CFR 163.1(b) - None (federal stock savings associations)

- 12 CFR 5.21(i) (federal mutual savings associations)

- Merger, consolidation, purchase, or sale of assets, or assumption of liabilities - 12 CFR 163.22 - 12 CFR 5.33, 5.53
- Conversion to state bank - 12 CFR 163.22(b)(1)(ii) - 12 CFR 5.25
- Conversion to national bank - 12 CFR 163.22(b)(2) - 12 CFR 5.24
- Transactions with affiliates - 12 CFR 163.41 - 12 CFR 31.3
- Loans by savings associations to their executive officers, directors and principal shareholders - 12 CFR 163.43 - 12 CFR 31.2
- Inclusion of subordinated debt securities and mandatorily redeemable preferred stock as supplementary capital - 12 CFR 163.81 - 12 CFR 5.56
- Capital distributions - 12 CFR 163.140–163.146 (subpart E) - 12 CFR 5.55
- Management and financial policies - 12 CFR 163.161 - Removed (but see 12 CFR 5.59 (e)(7)  for service corporations only)
- Procedures for monitoring Bank Secrecy Act compliance - 12 CFR 163.177 - 12 CFR 21.21
- Periodic reports - 12 CFR 163.180(a) - Removed
- Notification of loss and reports of increase in deductible amount of bond - 12 CFR 163.180(c) - 12 CFR 7.2013
- Bonds for directors, officers, employees, and agents; form of and amount of bonds - 12 CFR 163.190 - 12 CFR 7.2013
- Bonds for Agents - 12 CFR 163.191 - 12 CFR 7.2013
- Notice of change of director or senior executive officer - 12 CFR 163.550–163.590 (subpart H) - 12 CFR 5.51
Appraisals 12 CFR part 164 12 CFR part 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 164.20, 164.21)
- 12 CFR 34, subpart G
(12 CFR 34.201–34.203,
Appendices A, B, and C)
Prompt Corrective Action 12 CFR part 165 12 CFR part 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
Capital 12 CFR part 167 12 CFR part 3
- Definitions - 12 CFR 167.1 - See 12 CFR 3.2 and various other sections in 12 CFR part 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 3.401–3.405)
- 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 part 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)
Safety and Soundness Guidelines and Compliance Procedures 12 CFR part 170 12 CFR part 30
Duties of Users of Consumer Reports Regarding Records Disposal 12 CFR part 171, subpart I
(12 CFR 171.83)
12 CFR 41.83
Identity Theft Red Flags 12 CFR part 171, subpart J
(12 CFR 171.90–171.92, Appendix J)
12 CFR part 41, subpart J
(12 CFR 41.90–41.92, Appendix J)
Loans in Areas Having Special Flood Hazards 12 CFR part 172 12 CFR part 22
- Authority, purpose, and scope - 12 CFR 172.1 - 12 CFR 22.1
- Definitions - 12 CFR 172.2 - 12 CFR 22.2
- Requirement to purchase flood insurance where available - 12 CFR 172.3 - 12 CFR 22.3
- Exemptions - 12 CFR 172.4 - 12 CFR 22.4
- Escrow requirement - 12 CFR 172.5 - 12 CFR 22.5
- Required use of standard flood hazard determination form - 12 CFR 172.6 - 12 CFR 22.6
- Forced placement of flood insurance - 12 CFR 172.7 - 12 CFR 22.7
- Determination fees - 12 CFR 172.8 - 12 CFR 22.8
- Notice of special flood hazards and availability of Federal disaster relief assistance - 12 CFR 172.9 - 12 CFR 22.9
- Notice of servicer's identity - 12 CFR 172.10 - 12 CFR 22.10
- Sample Form of Notice of Special Flood Hazards and Availability of Federal Disaster Relief Assistance - Appendix A to part 172 - Appendix A to part 22
Acquisition of Control of Federal Savings Associations 12 CFR 174.1–174.7 12 CFR 5.50
12 CFR part 174, appendix A None
Accounting Requirements 12 CFR part 193 Removed
Securities of Federal Savings Associations 12 CFR part 194 12 CFR part 11
- Requirements under certain sections of the Securities Exchange Act of 1934 - 12 CFR 194.1 - 12 CFR 11.2, 11.3, 11.4
- Liability for certain statements by Federal savings associations - 12 CFR 194.3 - None
- Form and content of financial statements - 12 CFR 194.210 - 12 CFR 11.2
- Application of this subpart - 12 CFR 194.801 - None
-Description of business - 12 CFR 194.802 - None
Management Official Interlocks 12 CFR part 196 12 CFR part 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)

Securities Offerings

12 CFR part 197 12 CFR part 16
- Definitions - 12 CFR 197.1 - 12 CFR 16.2
- Offering circular requirement - 12 CFR 197.2(a) - 12 CFR 16.3(a)
  • Communications not deemed an offer
  • 12 CFR 197.2(b)
  • 12 CFR 16.4
  • Preliminary offering circular
  • 12 CFR 197.2(c)
  • 12 CFR 16.3(b)
- Exemptions - 12 CFR 197.3 - 12 CFR 16.5
- Non-public offering - 12 CFR 197.4 - 12 CFR 16.7
- Filing and signature requirements - 12 CFR 197.5 - 12 CFR 16.17
- Effective date - 12 CFR 197.6 - 12 CFR 16.16
- Form, content, and accounting - 12 CFR 197.7 - 12 CFR 16.15
- Use of the offering circular - 12 CFR 197.8 - 12 CFR 16.18
- Escrow requirement - 12 CFR 197.9 - 12 CFR 16.31
- Unsafe or unsound practices - 12 CFR 197.10 - 12 CFR 16.32
- Withdrawal or abandonment - 12 CFR 197.11 - 12 CFR 16.19
- Securities sale report - 12 CFR 197.12 - None
- Public disclosure and confidential treatment - 12 CFR 197.13 - 12 CFR 16.17(f)
- Waiver - 12 CFR 197.14 - None
- Requests for interpretive advice or waiver - 12 CFR 197.15 - 12 CFR 16.30
- Delayed or continuous offering and sale of securities - 12 CFR 197.16 - None
- Sales of securities at an office of a savings association - 12 CFR 197.17 - 12 CFR 16.10
- Current and periodic reports - 12 CFR 197.18 - None
- Approval of the security - 12 CFR 197.19 - None
- Filing of copies of offering circulars in certain exempt offerings - 12 CFR 197.21 - None
- Form for Securities Sale Report (Appendix A) - 12 CFR part 197, Appendix A - None