ARM DISCLOSURE: Interim rule by the Office of Thrift Supervision to simplify disclosure requirements for adjustable-rate mortgages. Published and effective Jan. 8. Comments were due March 9.

THRIFT CAPITAL: Proposal by the OTS to exempt healthy independent thrifts from the agency's notification requirement when making certain capital distributions. Published Jan. 7. Comments were due March 9.

MARKET RISK: Interim rule by the banking agencies eliminating a requirement that banks with large securities trading portfolios hold half the market risk capital demanded under international standards. Published Dec. 30 and effective Dec. 31. Comments were due March 2.

FHLB BYLAWS: Interim rule by the Federal Housing Finance Board giving the 12 Home Loan banks authority to approve their own bylaws. Published Dec. 11 and effective Jan. 12. Comments were due Jan. 12.

TRUTH-IN-LENDING: Proposal by the Fed to amend its Truth-in-Lending commentary to explain the difference between open- and closed-end loans. Published Dec. 9. Comments were due Jan. 20.

RESERVES: Proposal by the Fed to make it easier for banks to meet reserve requirements by letting them calculate mandatory reserves with deposit figures that are 17 days old. Published Nov. 12. Comments were due Jan. 12.

RECOURSE: Proposal by the banking and thrift agencies to adopt new capital requirements for recourse agreements and similar tools used to sell securitized assets. Under the plan, banks holding the riskiest part of a securitization would face higher capital requirements than those holding less risky sections. Published Nov. 5. Comments were due Feb. 3.

CURRENCY TRANSACTIONS: Proposal by the Financial Crimes Enforcement Network to exempt retail, service, and wholesale businesses from currency transaction reports, provided they have been bank customers for at least a year and frequently conduct cash transactions greater than $10,000. Published Sept. 8. Comments were due Jan. 16.

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