TRUTH-IN-LENDING: Proposal by the Federal Reserve Board to amend its Truth-in-Lending commentary to explain the difference between open- and closed-end loans. Expected to be published shortly. Comments due Jan. 20.

MARKET RISK: Interim final rule by the banking agencies, eliminating a requirement that banks with large trading portfolios hold half the market risk capital demanded under international standards. Expected to be published and effective shortly. Comments due 60 days later.

CHANGING CHARTERS: Proposal by the National Credit Union Administration that would require credit unions seeking to become federal mutual thrifts to include in disclosure documents a warning that switching charters could reduce members' voting rights. Published Dec. 4. Comments due Feb. 2.

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 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 due Feb. 3.

CAPITAL: Proposal by the banking and thrift agencies to standardize risk-based capital rules on mutual fund investments, construction loans for pre-sold residential property, and second mortgage loans on one- to four- family residential properties. It also would simplify leveraged capital requirements. Published Oct. 27. Comments due Dec. 26.

UNREALIZED GAINS: Proposal by the banking and thrift agencies to let banks count 45% of unrealized equity investment gains as Tier 2 risk-based capital. Published Oct. 27. Comments due Dec. 26.

DEMAND DEPOSITS: Proposal by the Federal Deposit Insurance Corp. to follow the Fed and exempt banks from rules banning interest on demand deposits. Published Oct. 16. Comments due Dec. 15.

MORTGAGE DISCLOSURES: Proposal by the Department of Housing and Urban Development that would require mortgage brokers to disclose fees and legal obligations to borrowers. Published Oct. 16. Comments due Dec. 15.

FDIC APPLICATIONS: Proposal by the FDIC to speed approvals of mergers, new branches, deposit insurance coverage, and other activities for healthy financial institutions. Published Oct. 9. Comments due Jan. 7.

STOCK OPTIONS: Proposal by the FDIC to allow stock options for outside directors and organizers of new banks and thrifts, provided the benefit does not encourage high-risk activities or interfere with the public's ability to buy shares. Published Oct. 9. Comments due Jan. 7.

ELECTRONIC BENEFITS: Proposal by the Treasury Department to enforce the 1996 congressional mandate that all federal payments except tax refunds be made electronically by Jan. 1, 1999. Under the plan, federally insured financial institutions would bid for exclusive regional contracts to serve benefit recipients who lack bank accounts. Published Sept. 16. Comments due Dec. 16.

STATE POWERS: Proposal by the FDIC to make it easier for healthy state- chartered banks to use new powers granted by state governments. Banks would submit a notice to the FDIC rather than file an application. Published Sept. 12. Comments due today.

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 make cash transactions involving more than $10,000. Published Sept. 8. Comment deadline extended to Jan. 16.

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