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Banking Applications

General Information:

  1. Electronic Applications (E-Apps) is a web-based application that allows banking institutions and their agents to submit regulatory filings via the Internet. This online process supplements the current paper-based submission process, and will help the Federal Reserve System comply with the Paperwork Reduction Act.
  2. The Federal Reserve System has developed several user aids that will help you get started.   You can access this information at This information includes contact information for an E-Apps expert at each Reserve Bank who can answer your questions and help you get started using E-Apps.
  3. In order to use E-Apps, banking institutions must authorize their employees or agents to receive a digital certificate. The certificate request forms, procedures and help sheets will be provided by the Customer Contact Centers upon request. An agent may be authorized to file on behalf of more than one banking institution, but he/she will receive only one certificate. Additional information will be provided to participating institutions and filers.
  4. The majority of applications and notices that the Federal Reserve System processes can be submitted using E-Apps.  However, at this time Change in Control notices and certain other filings are not eligible for submission through E-Apps.   You can contact your local Reserve Bank E-Apps expert for additional information.
  5. There is no charge to use E-Apps; however, users must comply with Federal Reserve System security requirements.  


Using Certificates:

  1. Certificates are necessary in order to ensure the security of information submitted via E-Apps. Many of the documents associated with regulatory filings contain sensitive and/or personal data.  You can access certificate information at
  2. Certificates also help to ensure that only authorized users have access to the system, and prevent fraudulent filings. Users can file only for institutions that have authorized them to do so.
  3. E-Apps must comply with the Federal Information Security Management Act (FISMA), which requires two-factor authentication for systems that contain sensitive personal data. Digital certificates and their associated passwords fulfill this requirement.
  4. The Customer Contact Centers are available to provide personal assistance and support for certificate requests, downloads and maintenance.

phone Contact Us

Wayne Cox (804) 697-8219
Travers Edwards (804) 697-8222