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Regulation D - Reserve Requirements of Depository Institutions

[Click HERE for table of recent Federal Register documents affecting this regulation.]

Sec. 204.1 - Authority, purpose and scope.
Sec. 204.2 - Definitions.
Sec. 204.3 - Reporting and location
Sec. 204.4 - Computation of Required Reserves.
Sec. 204.5 - Maintenance of Required Reserves.
Sec. 204.6 - Charges for Deficiencies.
Sec. 204.7 - Supplemental reserve requirement.
Sec. 204.8 - International banking facilities.
Sec. 204.9 - Emergency Reserve Requirement.
Sec. 204.10 - Payment of interest on balances.
Sec. 204.121 - Bankers' banks.
Sec. 204.122 - Secondary market activities of international banking facilities.
Sec. 204.123 - Sale of Federal funds by investment companies or trusts in which the entire beneficial interest is held exclusively by depository institutions.
Sec. 204.124 - Repurchase agreement involving shares of a money market mutual fund whose portfolio consists wholly of United States Treasury and Federal agency securities.
Sec. 204.125 - Foreign, international, and supranational entities referred to in Secs. 204.2(c)(1)(iv)(E) and 204.8(a)(2)(i)(B)(5).
Sec. 204.126 - Depository institution participation in ``Federal funds'' market.
Sec. 204.127 - Nondepository participation in ``Federal funds'' market.
Sec. 204.128 - Deposits at foreign branches guaranteed by domestic office of a depository institution.
Sec. 204.130 - Eligibility for NOW Accounts.
Sec. 204.131 - Participation by a depository institution in the secondary market for its own time deposits.
Sec. 204.132 - Treatment of Loan Strip Participations.
Sec. 204.133 - Multiple savings deposits treated as a transaction account.
Sec. 204.134 - Linked time deposits and transaction accounts.
Sec. 204.135 - Shifting funds between depository institutions to make use of the low reserve tranche.
Sec. 204.136 - Treatment of trust overdrafts for reserve requirement reporting purposes.



Authority: 12 U.S.C. 248(a), 248(c), 461, 601, 611, and 3105.

Recent Federal Register documents affecting this regulation.
FR Citation Date Status Comments
77 FR 66361 11/5/12 Final Delays effective date for some 4/12/12 amendments from 1/24/13 until 6/27/13.
77 FR 65773 10/31/12 Final Annual indexing of reserve requirement exemption amount and the low reserve tranche. Also adjusts amounts used to determine frequency of submitting deposit reports. Effective 11/30/12. For compliance dates, see “Dates” heading near beginning of Federal Register document.
77 FR 21846 4/12/12 Final Amendment to simplify the management of reserve requirements and reduce costs. A portion of the changes are effective July 12, 2012, with the remainder effective January 24, 2013. [Note: The Board has announced a delay of the 1/24/13 date to 6/27/13]
76 FR 68064 11/3/11 Final Annual indexing of reserve requirement exemption amount and the low reserve tranche. Also adjusts amounts used to determine frequency of submitting deposit reports. Effective 12/5/11. For compliance dates, see “Dates” heading near beginning of Federal Register document.
76 FR 64250 10/18/11 Proposed Would simplify the management of bank reserve balances. A related proposal to amend Reg J was also published.
76 FR 42015 7/18/11 Final Implements § 627 of the Dodd-Frank Act, which repeals various sections of law that currently prohibit the payment of interest on demand deposits. Removes Regulation Q and its published interpretation, and removes references to Regulation Q in other regulations, interpretations and commentary, including § 204.10 of Regulation D. Effective 7/21/11.
76 FR 20892 4/14/11 Proposed; Finalized 7/18/11 Would implement § 627 of the Dodd-Frank Act, which repeals various sections of law that currently prohibit the payment of interest on demand deposits. The proposal would repeal Regulation Q and its published interpretation, and remove references to Regulation Q in other regulations, interpretations and commentary. These include §204.10 of Regulation D. Comments were due by May 16, 2011.






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