Regulation O Flowchart - BankersOnline

Regulation O Flowchart

Is Applicant an Insider of the Holding Yes Company, Bank, or Affiliate?

No

Is Applicant an Insider of a Correspondent Bank?

All Insiders (including Related Interests)

1. No preferential terms unless part of bankwide employee benefit program 2. Underwriting at least as stringent as for outsiders 3. Standard application provided 4. If aggregate (including to related interests) exceeds $500,000:

a. Prior Board approval b. Insider did not vote or influence vote 5. Aggregate (including related interests) limited to 15% of capital & surplus (25%, if amt over 15% is fully secured by defined marketable collateral)

No

Yes

Reg O Provisions Do

Not Apply

Loan must be made on non-preferential

terms

Is insider an executive officer or director?

No

No further requirements

Yes

Executive Officers and Directors

1. Payment of overdrafts limited as follows: -- Underwritten, pre-authorized interest-bearing plan -- Underwritten, pre-authorized transfer plan -- Inadvertent overdrafts ................
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