Statutes and regulations

Letter concludes that section 5A of the Home Owners’ Loan Act functions as a statutory exemption from the qualified thrift lender requirements described in section 10(m) of that Act, and a covered savings association operating under section 5A is not subject to the requirements of section 10(m)(3), including the provisions of section 10(m)(3)(B) (06/30/2020)

OCC Interpretive Letter No. 1169 · Federal · Agency guidance

OCC Interpretive Letters › Letter concludes that section 5A of the Home Owners’ Loan Act functions as a statutory exemption from the qualified thrift lender requirements described in section 10(m) of that Act, and a covered savings association operating under section 5A is not subject to the requirements of section 10(m)(3), including the provisions of section 10(m)(3)(B) (06/30/2020)

. § 1467a(m)(1). 5 12 U.S.C. § 1467a(m)(3)(B). 6 12 U.S.C. § 1464a(f). 7 12 U.S.C. § 1464a(d)(3). … Reg. 47102 (September 18, 2018). See also H.R. Rep.

Letter concludes that federal law would preempt laws in Massachusetts and Florida that purport to limit or restrict a national bank from establishing deposit-taking ATMs.

OCC Interpretive Letter No. 939 · Federal · Agency guidance

OCC Interpretive Letters › Letter concludes that federal law would preempt laws in Massachusetts and Florida that purport to limit or restrict a national bank from establishing deposit-taking ATMs.

Under 12 U.S.C. § 484 and other federal statutes,18 the OCC has exclusive visitorial powers over national banks except as otherwise expressly provided by federal law.19 These powers include the right to … Hughes, 6 F. 737, 740-41 (1881). e Iowa [law] that would prevent or 18 See, e.g., 12 U.S.C. §§ 93, 481, and 1818. 19 Guthrie v.

Avoiding a Double Patenting Rejection

MPEP § 804.02 · Federal · Agency guidance

Agency Guidance › USPTO MPEP › Chapter 0800 - Restriction in Applications Filed Under 35 U.S.C. 111; Double Patenting › MPEP § 804.02

which a benefit is claimed under 35 U.S.C. 120 , 121 , 365(c) , or 386(c) . … Kennedy Institute of Rheumatology Trust, 764 F.3d 1366, 112 USPQ2d 1001 (Fed. Cir. 2014).

Interpretive Letter #1192

OCC Interpretive Letter No. 1192 · Federal · Agency guidance

OCC Interpretive Letters › Interpretive Letter #1192

Bank, 161 U.S. 275, 283 (1896). 16 See 12 U.S.C. § 21 et seq. 17 See, e.g., 12 U.S.C. §§ 26, 27, 35. 18 See 12 U.S.C. § 27(a). 19 See, e.g., 12 U.S.C. §§ 24(Seventh), 92a (requiring approval from … Supp. 916, 917-18 (D.

Letter explains the relationship between the place specified in the bank's organization statement under 12 USC 22 and the main office of 12 USC 30, establishing that the state of the location of the bank for corporate status purposes under banking laws is the state of the current main office, not the state originally specified in the organization certificate (when different). Letter also offers the OCC opinion that the state of the bank's location for federal diversity jurisdiction under 28 USC 1348 is also based on the current location of the main office, not on the state originally specified in the organization certificate (when different).

OCC Interpretive Letter No. 952 · Federal · Agency guidance

OCC Interpretive Letters › Letter explains the relationship between the place specified in the bank's organization statement under 12 USC 22 and the main office of 12 USC 30, establishing that the state of the location of the bank for corporate status purposes under banking laws is the state of the current main office, not the state originally specified in the organization certificate (when different). Letter also offers the OCC opinion that the state of the bank's location for federal diversity jurisdiction under 28 USC 1348 is also based on the current location of the main office, not on the state originally specified in the organization certificate (when different).

Act of May 1, 1886, ch. 73, § 2, 24 Stat. 18 (1886). … Kansas City, Missouri (OCC Corporate Decision No. 95-05, February 16, 1995) (pages 12-18), reprinted in Fed. Banking L. Rep.

Letter states that national banks are not prohibited by 12 USC 25a from providing normal banking services to a private entity that manages a state lottery.

OCC Interpretive Letter No. 1085 · Federal · Agency guidance

OCC Interpretive Letters › Letter states that national banks are not prohibited by 12 USC 25a from providing normal banking services to a private entity that manages a state lottery.

See 12 U.S.C. § 339 (state member banks); 12 U.S.C. § 1829a (state non-member banks); 12 U.S.C. § 1463(e) (savings associations). 2 18 U.S.C. § 1306. 3 12 U.S.C. § 25a(c)(2). 4 S. Rep. … . § 25a appears to be the prohibition of 5 Id. at 1, reprinted in 1967 U.S.C.C.A.N. 2228, 2228. 6 12 U.S.C. § 25a(d). 7 H.R.

The guidance clarifies the CIP and BO requirements applicable to introducing brokers (IBs) under the Bank Secrecy Act (BSA). The guidance provides regulatory clarity to certain IBs who lack access to the information n...

CFTC Letter No. 19-18 · Federal · Agency guidance

CFTC Staff Letters (2008-present) › The guidance clarifies the CIP and BO requirements applicable to introducing brokers (IBs) under the Bank Secrecy Act (BSA). The guidance provides regulatory clarity to certain IBs who lack access to the information n...

CFTC Letter No. 19-18 Interpretative July 22, 2019 Division of Swap Dealer and Matthew B. … VOICE BROKERS: INTERPRETIVE GUIDANCE Page 3 Exchange Act (7 U.S.C. 6f(a)(2)).”

Telephone Affidavits

NLRB General Counsel Memorandum GC 94-08 · Federal · Agency guidance

NLRB General Counsel Memoranda › Telephone Affidavits

It is provided in 28 U.S.C. … Perjury generally, see 18 USCA § 1621.

Letter concludes that a national bank that renews a loan to an insider violates section 215.4(a)(1) of Regulation O and section 22(h)(A) of the Federal Reserve Act if the loan either (i) is preferential or (ii) involves more than the normal risk of repayment or presents other unfavorable features.

OCC Interpretive Letter No. 1024 · Federal · Agency guidance

OCC Interpretive Letters › Letter concludes that a national bank that renews a loan to an insider violates section 215.4(a)(1) of Regulation O and section 22(h)(A) of the Federal Reserve Act if the loan either (i) is preferential or (ii) involves more than the normal risk of repayment or presents other unfavorable features.

(Jun. 18, 1990). … (Jun. 18, 1990).

Letter concludes that the Philadelphia Authority for Industrial Development Pension Funding Bonds, Series 1999A - 1999C are Type I investment securities as defined in 12 CFR 1.2(i), and qualify for a 20 percent risk-weight under the OCC's risk-based capital regulations. 03/17/99

OCC Interpretive Letter No. 858 · Federal · Agency guidance

OCC Interpretive Letters › Letter concludes that the Philadelphia Authority for Industrial Development Pension Funding Bonds, Series 1999A - 1999C are Type I investment securities as defined in 12 CFR 1.2(i), and qualify for a 20 percent risk-weight under the OCC's risk-based capital regulations. 03/17/99

. § 1001. Any person beneficially interested, including the Authority, has standing to institute a legal proceeding for mandamus. Id. … Id. 12 U.S.C. § 24(Seventh) 10 the City to balance its budget each year by raising revenue sufficient to pay all budgeted obligations.

Joint MPD and DMO interpretation providing the Divisions’ views on the characterization of certain FX transactions as being swaps, foreign exchange forwards, or foreign exchange swaps, in each case, as defined in the...

CFTC Letter No. 25-10 · Federal · Agency guidance

CFTC Staff Letters (2008-present) › Joint MPD and DMO interpretation providing the Divisions’ views on the characterization of certain FX transactions as being swaps, foreign exchange forwards, or foreign exchange swaps, in each case, as defined in the...

17 7 U.S.C. 2(e). 18 Although transactions with commercial end users and non-ECPs are common, Window FX Forwards are also entered into in the inter-dealer market and with financial end users. … 17 7 U.S.C. 2(e). 18 Although transactions with commercial end users and non-ECPs are common, Window FX Forwards are also entered into in the inter-dealer market and with financial end users.

Time for Filing U.S. Nonprovisional Application

MPEP § 213.03 · Federal · Agency guidance

Agency Guidance › USPTO MPEP › Chapter 0200 - Types and Status of Application; Benefit and Priority Claims › MPEP § 213.03

RESTORING THE RIGHT OF PRIORITY Effective December 18, 2013, title II of the Patent Law Treaties Implementation Act (PLTIA) provides for restoration of the right of priority under 35 U.S.C. 119(a) through … . 111(a) rather than entering the national stage under 35 U.S.C. 371 .

Out-of-Pocket Maximum for Prescription Drugs

VT Insurance Bulletin #171 · Vermont · Agency guidance

Vermont DFR Insurance Bulletins › Out-of-Pocket Maximum for Prescription Drugs

. § 2022 and includes: • biological products, as defined in 18 V.S.A nt of Health Savings Accounts (HSAs), are tax questions and insurers should be guided by the relevant provisions of the Internal Revenue … Under 8 V.S.A. § 4091, the term “drug” has the same meaning as “prescription drug” in 26 V.S.A. § 2022 and includes: • biological products, as defined in 18 V.S.A. § 4601; • medications used to treat

The International Searching Authority

MPEP § 1840 · Federal · Agency guidance

Agency Guidance › USPTO MPEP › Chapter 1800 - Patent Cooperation Treaty › MPEP § 1840

35 U.S.C. 362  International Searching Authority and International Preliminary Examining Authority. … Receiving Office, the United States International Searching Authority is competent to carry out the international search ( PCT Article 16 , PCT Rules 35 and 36 , 35 U.S.C. 362 and 37 CFR 1.413 ).

Letter states that a national bank may rely on the rating assigned to the uninsured portion of the bank's certificates of deposit to satisfy the debt rating requirement necessary to establish a financial subsidiary under Section 121 of the Gramm-Leach-Bliley Act. The certificates of deposit qualify as "eligible debt" for purposes of the requirement under Section 121 that any of the 50 largest insured banks must have at least one investment grade rated issue of debt outstanding in order for the bank to establish a financial subsidiary.

OCC Interpretive Letter No. 981 · Federal · Agency guidance

OCC Interpretive Letters › Letter states that a national bank may rely on the rating assigned to the uninsured portion of the bank's certificates of deposit to satisfy the debt rating requirement necessary to establish a financial subsidiary under Section 121 of the Gramm-Leach-Bliley Act. The certificates of deposit qualify as "eligible debt" for purposes of the requirement under Section 121 that any of the 50 largest insured banks must have at least one investment grade rated issue of debt outstanding in order for the bank to establish a financial subsidiary.

. § 24a(a)(3)(A)(i), 12 C.F.R. § 5.39 and discussion below. 2 Public Law 106-102, 113 Stat. 1338. 3 See 12 U.S.C. § 24a. 4 12 U.S.C. § 24a(a)(3)(A)(i). … (3)(A)(i), 12 C.F.R. § 5.39 and discussion below. 2 Public Law 106-102, 113 Stat. 1338. 3 See 12 U.S.C. § 24a. 4 12 U.S.C. § 24a(a)(3)(A)(i).

Proposal by a national bank to make a non-controlling investment in a limited liability company that will offer the placement of foreign currency time deposits with foreign banks. (03/20/97)

OCC Interpretive Letter No. 778 · Federal · Agency guidance

OCC Interpretive Letters › Proposal by a national bank to make a non-controlling investment in a limited liability company that will offer the placement of foreign currency time deposits with foreign banks. (03/20/97)

These include the FDIC Act, 12 U.S.C. § 1813(q); the Bank Services Corporation Act, 12 U.S.C. § 1861(b); the Management Interlocks Act, 12 U.S.C. § 3206; the Bank Protection Act, 12 U.S.C. § 1881 and various … Tit. 18, § 303 (1994).

Summary of Insurance Laws Enacted in 2024

DE Universally Applicable Bulletin No. 9 · Delaware · Agency guidance

Delaware Department of Insurance Bulletins › Summary of Insurance Laws Enacted in 2024

C. § 4003(c) mandates that “[W]here a state agency has been assigned the rights of an individual eligible for medical assistance under Title XIX of the federal Social Security Act [42 U.S.C. § 1396 et … to prohibit discrimination by PBMs against 340B covered entities as defined by 42 U.S.C. § 256b(a)(4) and their contracted pharmacies

Eligibility Step 2B: Whether a Claim Amounts to Significantly More

MPEP § 2106.05 · Federal · Agency guidance

Agency Guidance › USPTO MPEP › Chapter 2100 - Patentability › MPEP § 2106.05

Alice Corp., 573 U.S. at 27-18, 110 USPQ2d at 1981 (citing Mayo, 566 U.S. at 72-73, 101 USPQ2d at 1966). … under 35 U.S.C. 101 .

Confidential Nature of International Applications

MPEP § 110 · Federal · Agency guidance

Agency Guidance › USPTO MPEP › Chapter 0100 - Secrecy, Access, National Security, and Foreign Filing › MPEP § 110

Although most international applications are published soon after the expiration of 18 months from the priority date, PCT Article 21(2)(a) , such publication does not open up the Home Copy or Search Copy … to 35 U.S.C. 154(d)(4) , will also be available to the public.

Refusal on Basis of Flag, Coat of Arms, or Other Insignia of United States, State or Municipality, or Foreign Nation

TMEP § 1204 · Federal · Agency guidance

Agency Guidance › USPTO TMEP › Chapter 1200 - Substantive Examination of Applications › TMEP § 1204

Cir. 2013); In re Cnty. of Orange , 2022 USPQ2d 733, at *18-25 (TTAB 2022), appeal docketed , No. 23-1004 (Fed. Cir. Oct. 4, 2022). … Tourism Dep’t , 2020 USPQ2d 10485, at *2 (TTAB 2020) (quoting In re Fam SPQ2d 733, at *18-25 (TTAB 2022), appeal docketed , No. 23-1004 (Fed. Cir. Oct. 4, 2022).