This volume of the Code of Federal Regulations, Title 12-Banks and Banking, contains the complete and authoritative text of federal regulations comprising Parts 347 through 599, as revised and in effect on January 1, 2025. Published annually as part of the official codification of rules appearing in the Federal Register, this book reflects the current regulatory requirements governing significant aspects of the United States banking and financial system.
Title 12 establishes the federal legal framework for the regulation and supervision of banking institutions, deposit insurance, international banking operations, and related financial activities. The regulations contained in this volume are issued primarily by the Federal Deposit Insurance Corporation and the Export-Import Bank of the United States and implement key federal statutes, including the Federal Deposit Insurance Act, the International Banking Act, the International Lending Supervision Act, and other foundational banking and financial laws.
Parts 347 through 599 address a broad range of regulatory subject areas essential to financial stability, depositor protection, and the integrity of the banking system. These regulations govern international banking activities of insured institutions, management official interlocks, derivatives, proprietary trading restrictions, industrial banks, suspicious activity reporting, resolution and receivership procedures, safety and soundness standards, real estate lending requirements, and credit risk retention. Together, these rules establish detailed compliance obligations and supervisory standards applicable to domestic and foreign banking organizations operating in the United States.
This volume also includes extensive provisions relating to the resolution of failed financial institutions, orderly liquidation authority, recordkeeping and reporting requirements, and enforcement mechanisms designed to protect the Deposit Insurance Fund. Additional regulations address nondiscrimination requirements, minority and women outreach programs, and standards governing the conduct of contractors and service providers working with insured institutions.
As an official government publication, the Code of Federal Regulations is judicially noticed under federal law and serves as prima facie evidence of the regulations it contains. Each regulation is presented in its final codified form, with standardized section numbering, statutory authority citations, and amendment history where applicable. Provisions that are no longer in force as of the revision date are excluded, ensuring that users rely exclusively on current and enforceable regulatory text.
This volume is an essential reference for attorneys, compliance professionals, regulators, financial institutions, academics, policymakers, and researchers who require accurate and up-to-date federal banking regulations. It is equally valuable for law libraries, corporate compliance departments, and educational institutions seeking a reliable and citable source of federal regulatory law.
Compiled and published by the Office of the Federal Register and the U.S. Government Publishing Office, this edition reflects the official legal status of the Code of Federal Regulations as maintained by the National Archives and Records Administration. While electronic access is available, this printed volume remains a trusted resource for regulatory research, compliance verification, and long-term archival use.
