CHECK CLEARING: The Fed adopted technical revisions to Reg CC, which governs the availability of funds and the collection of checks. Published Oct. 3. Effective Nov. 2.
RECOURSE: The Comptroller's office lowered capital requirements for small business loans and leases sold with recourse. Published Sept. 13. Effective Nov. 13. The Fed and the FDIC published similar proposals Aug. 29 that were effective Sept. 1.
FED WIRE II: The Fed established new closing times for the Fed Wire system, 3:15 p.m. for transfers and 3:30 p.m. for reversals. Published Aug. 15. Effective Jan. 2.
LENDER LIABILITY: The Environmental Protection Agency limited lender liability for underground storage tanks. Published Sept. 7. Effective Dec. 6.
BANK PREMIUMS: The FDIC voted Sept. 26 to let each bank and thrift choose when to make its first-quarter payment - at the end of December or the beginning of January. The agency also cut the advance notice it gives of premium changes, from 45 days before it sends out invoices to 15 days.
LOAN INCENTIVES: The National Credit Union Administration will allow credit unions to pay incentives for making loans to all employees except executives. Published and effective Oct. 4.
APPRAISALS: The NCUA eliminated some paperwork requirements for real- estate appraisals. Published Oct. 4. Effective Oct. 1.
FAIR-LENDING COMPLIANCE: The Comptroller's office streamlined compliance exams covering fair-lending and other consumer laws for small national banks. Effective Oct. 1.
DERIVATIVES: The banking agencies amended their risk-based capital rules for derivative contracts. The changes include new conversion factors and rules for bilateral netting. Published by the Fed on Sept 5. Effective Oct. 1.
SECURITIES HOLDINGS: The OTS finally joins bank agencies in announcing it will not require its institutions to mark available-for-sale securities to market in computing regulatory capital. Published Aug. 15. Effective Oct. 1.