Make Public Comments on Rulemaking Proposals and Notices

The Federal Reserve implements congressional law on banking and financial activities, in part through regulations. The public may comment on changes that the Federal Reserve Board is proposing, including rulemaking proposals, information-collection proposals (reporting forms), and system of records notices.

Apply for Membership or File Banking Applications or Notices

Our Banking Supervision team handles requests from bank holding companies, state member banks, foreign organizations and individuals to form a bank holding company, acquire a bank or a controlling interest in a banking organization, engage in certain non-bank activities, merge with another bank or establish branches.

Learn about the banking applications and notices filings required by the Federal Reserve System. Before submitting an application or notice, banking organizations are encouraged to contact our Richmond Fed Mergers & Acquisitions team to discuss their proposal. As part of the membership application process, bankers may wish to Perform Competitive Analysis Based on Banking Market Definitions.

Use the Federal Reserve’s FedEZFile to file applications electronically, view the status of your filing, communicate with your assigned Reserve Bank and/or Board analyst and attorney, and receive digitally signed Federal Reserve correspondence.

Request copies of banking applications from the Richmond Fed by emailing your request to: RICH.SRC.ApplicationsPublicInquiry@rich.frb.org

To make public comments on banking applications through the last day of the public comment period, email or mail your comments to:

Brent Hassell
Assistant Vice President
Federal Reserve Bank of Richmond
P.O. Box 27622
Richmond, VA 23261
Email: comments.applications@rich.frb.org

Access the Discount Window

The Federal Reserve discount window gives funding access to depository institutions (not just Member Institutions) to enhance and diversify their liquidity funding plan and support the smooth flow of credit to households and businesses. To borrow from the discount window, depository institutions must meet certain borrowing requirements.

Our discount window operating hours are from 8:30 a.m. to 7 p.m. ET or until the close of Fedwire operations. View this Discount Window & Payment System Risk General & Contact Information for the Richmond Fed.

Submit Regulatory Reporting

View this list of Regulatory Reporting Forms with due dates and the Richmond Fed contact for questions.

Review FR Y-6 Training & Resources.  

See Information Collections under Review by the Federal Reserve Board of Governors.

Submit your financial reports to the Federal Reserve through Reporting Central. Learn more at Reporting Central Resources.

Submit your Y-6 through Structure Central and Y-10 via FR Y-10 Online.

• Don’t have Structure Central access? See these Instructions for Setting up Structure Central Access via FedLine Web Solution.
• Don’t have a Y-10 Online account? Fill out the user Y-10 Account Request Form to gain access.

File an Appeal

The Federal Register and SR 20-28 / CA 20-14 give information on filing an appeal in response to a material supervisory determination. Filing institutions should direct appeals to the Board of Governors' Ombudsman.

Read Supervisory Regulations, Guidance, Policies and Procedures

Regulations are listed on the Federal Reserve Board’s website.

Safety and Soundness

Supervision and Regulation Letters, or SR Letters, address significant policy and procedural matters related to the Federal Reserve System's supervisory responsibilities.

Supervision Manuals guide examiners in planning and conducting inspections, in conjunction with other supervisory guidance and manuals.

Consumer Compliance

Consumer Affairs Letters, or CA Letters, address significant policy and procedural matters related to the Federal Reserve System’s consumer compliance supervisory responsibilities.

Consumer Compliance Handbook guides examiners in planning objectives, procedures, and other instructions for planning and conducting consumer compliance and Community Reinvestment Act examinations.

Community Reinvestment Act Examination information describes the law and the examiner review process. 

Community Reinvestment Act information on the Board website discusses the regulation, ratings, strategic plans, and exam schedules.

Community Reinvestment Act resources on the FFIEC website share regulatory agencies’ CRA exam schedules, access to CRA exam procedures, and instructions for preparing CRA evaluations.

Home Mortgage Disclosure Act resources on the FFIEC website help financial institutions offering housing loans.

National Flood Insurance Program resources on the FEMA website help financial institutions comply with flood insurance requirements.

Perform Competitive Analysis Based on Banking Market Definitions

When Fifth District financial institutions seek Richmond Fed approval to engage in new operations, activities, mergers, or acquisitions, we perform an antitrust analysis on the relevant geographic banking markets to protect competition in those banking markets. This crucial step in the antitrust process uses our specialized, indepth knowledge of the market areas. Financial institutions may use these same definitions - through the Federal Reserve’s public Competitive Analysis and Structure Source Instrument for Depository Institutions tool - to perform their own antitrust analysis.

With questions about banking markets in the Fifth Federal Reserve District, contact RICH.SRC.ApplicationsPublicInquiry@rich.frb.org.