The Federal Reserve has supervisory and regulatory authority over a wide range of financial institutions and activities. It works with other federal and state supervisory authorities to ensure the safety and soundness of financial institutions, stability in the financial markets and fair and equitable treatment of consumers in their financial transactions.

Banking Supervision News

Test Your Access to the Discount Window for Contingency or Liquidity Purposes

Institutions are encouraged to periodically test their ability to borrow at the Discount Window to ensure there are no unexpected impediments or complications. (October 2, 2008)

Proposed Capital Treatment for Goodwill

The Federal Reserve Board is proposing to permit banks and bank holding companies to reduce the amount of goodwill that a banking organization must deduct from Tier 1 capital by the amount of any deferred tax liability associated with that goodwill. The proposed change would effectively reduce the amount of goodwill that a banking organization must deduct from Tier 1 capital and would reflect a banking organization's maximum exposure to loss in the event that such goodwill is impaired or derecognized for financial reporting purposes. Comments must be received on or before October 30, 2008. (October 1, 2008)

Policy on Equity Investments in Banks and Bank Holding Companies (September 25, 2008)

Federal Banking Agencies Evaluating FASB's Accounting Proposals (September 25, 2008)

July 2008 Bank Holding Company Supervision Manual Update (September 24, 2008)

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Apply for Membership Learn about the application process to become a state member bank and the benefits of Federal Reserve Bank membership. View a list of current state member banks.   Apply for Mergers and Acquisitions Learn about the application process for state member banks and bank holding companies, such as branches, mergers, acquisitions, change in control, engaging in nonbanking activities and more.   Borrow from the Federal Reserve's Discount Window Access Federal Reserve Credit for short-term or long-term needs.   Complete and File Reports Learn about reporting and reserves and how to submit your reports.   Manage Your Federal Reserve Account Manage your reserves and/or clearing balances and learn about Payments System Risk policy.   Access Public Information View and comment on actions, applications, and notices from the Board of Governors of the Federal Reserve System and request records and information available to the public.   Issue and Redeem Trust Preferred Securities Information on issuing and redeeming trust preferred securities for both large and small bank holding companies.