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    <title>NY Fed | Circulars</title> 
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    <description>The latest circulars</description> 
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    <title>Federal Regulators Issue Final Model Privacy Notice Form</title>
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	<dc:date>2009-11-17T14:45:10-5:00</dc:date>
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	  <cb:simpleTitle>Federal Regulators Issue Final Model Privacy Notice Form</cb:simpleTitle>
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	    <cb:title>Federal Regulators Issue Final Model Privacy Notice Form</cb:title>
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  <item rdf:about="http://www.newyorkfed.org/banking/circulars/12159.html">
    <title>Federal Reserve Approves Interim Final Rule Requiring Notice Be Given to Consumers When Their Mortgage Loan Is Sold or Transferred</title>
    <link>http://www.newyorkfed.org/banking/circulars/12159.html</link>
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	<dc:date>2009-11-16T16:33:14-5:00</dc:date>
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	  <cb:simpleTitle>Federal Reserve Approves Interim Final Rule Requiring Notice Be Given to Consumers When Their Mortgage Loan Is Sold or Transferred</cb:simpleTitle>
	  <cb:occurrenceDate>2009-11-16</cb:occurrenceDate>
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	    <cb:title>Federal Reserve Approves Interim Final Rule Requiring Notice Be Given to Consumers When Their Mortgage Loan Is Sold or Transferred</cb:title>
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  <item rdf:about="http://www.newyorkfed.org/banking/circulars/12158.html">
    <title>Board Proposes Rules to Restrict Fees and Expiration Dates on Gift Cards</title>
    <link>http://www.newyorkfed.org/banking/circulars/12158.html</link>
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	<dc:date>2009-11-16T15:53:04-5:00</dc:date>
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	  <cb:simpleTitle>Board Proposes Rules to Restrict Fees and Expiration Dates on Gift Cards</cb:simpleTitle>
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	    <cb:title>Board Proposes Rules to Restrict Fees and Expiration Dates on Gift Cards</cb:title>
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    <title>Agencies Issue Final Rule for Mortgage Loans Modified Under the Home Affordable Mortgage Program</title>
    <link>http://www.newyorkfed.org/banking/circulars/12157.html</link>
    <description></description>
	<dc:date>2009-11-13T16:01:09-5:00</dc:date>
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	  <cb:simpleTitle>Agencies Issue Final Rule for Mortgage Loans Modified Under the Home Affordable Mortgage Program</cb:simpleTitle>
	  <cb:occurrenceDate>2009-11-13</cb:occurrenceDate>
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	    <cb:title>Agencies Issue Final Rule for Mortgage Loans Modified Under the Home Affordable Mortgage Program</cb:title>
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    <title>Agencies Reopen Comment Period for Correspondent Concentration Risks Guidance</title>
    <link>http://www.newyorkfed.org/banking/circulars/12156.html</link>
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	<dc:date>2009-11-13T11:10:56-5:00</dc:date>
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	  <cb:simpleTitle>Agencies Reopen Comment Period for Correspondent Concentration Risks Guidance</cb:simpleTitle>
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	    <cb:title>Agencies Reopen Comment Period for Correspondent Concentration Risks Guidance</cb:title>
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  <item rdf:about="http://www.newyorkfed.org/banking/circulars/12155.html">
    <title>Board Announces Final Rules Prohibiting Institutions from Charging Fees for Overdrafts on ATM and One-Time Debit Card Transactions</title>
    <link>http://www.newyorkfed.org/banking/circulars/12155.html</link>
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	<dc:date>2009-11-12T14:12:10-5:00</dc:date>
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	  <cb:simpleTitle>Board Announces Final Rules Prohibiting Institutions from Charging Fees for Overdrafts on ATM and One-Time Debit Card Transactions</cb:simpleTitle>
	  <cb:occurrenceDate>2009-11-12</cb:occurrenceDate>
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	    <cb:title>Board Announces Final Rules Prohibiting Institutions from Charging Fees for Overdrafts on ATM and One-Time Debit Card Transactions</cb:title>
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  <item rdf:about="http://www.newyorkfed.org/banking/circulars/12154.html">
    <title>Restructuring of Check Processing Operations in the Third and Fourth Districts, Regulation CC Impact on Second District Depository Institutions</title>
    <link>http://www.newyorkfed.org/banking/circulars/12154.html</link>
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	<dc:date>2009-11-09T13:39:40-5:00</dc:date>
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	  <cb:simpleTitle>Restructuring of Check Processing Operations in the Third and Fourth Districts, Regulation CC Impact on Second District Depository Institutions</cb:simpleTitle>
	  <cb:occurrenceDate>2009-11-09</cb:occurrenceDate>
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	    <cb:title>Restructuring of Check Processing Operations in the Third and Fourth Districts, Regulation CC Impact on Second District Depository Institutions</cb:title>
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    <title>Target for Federal Funds Rate Left Unchanged</title>
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	<dc:date>2009-11-04T16:46:38-5:00</dc:date>
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	  <cb:simpleTitle>Target for Federal Funds Rate Left Unchanged</cb:simpleTitle>
	  <cb:occurrenceDate>2009-11-04</cb:occurrenceDate>
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	    <cb:title>Target for Federal Funds Rate Left Unchanged</cb:title>
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  <item rdf:about="http://www.newyorkfed.org/banking/circulars/12152.html">
    <title>Nomination of Directors</title>
    <link>http://www.newyorkfed.org/banking/circulars/12152.html</link>
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	<dc:date>2009-11-04T13:43:06-5:00</dc:date>
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	  <cb:simpleTitle>Nomination of Directors</cb:simpleTitle>
	  <cb:occurrenceDate>2009-11-04</cb:occurrenceDate>
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	    <cb:title>Nomination of Directors</cb:title>
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  <item rdf:about="http://www.newyorkfed.org/banking/circulars/12151.html">
    <title>2010 Fee Schedule for Federal Reserve Bank Priced Services</title>
    <link>http://www.newyorkfed.org/banking/circulars/12151.html</link>
    <description></description>
	<dc:date>2009-11-03T12:49:37-5:00</dc:date>
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	  <cb:simpleTitle>2010 Fee Schedule for Federal Reserve Bank Priced Services</cb:simpleTitle>
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	    <cb:title>2010 Fee Schedule for Federal Reserve Bank Priced Services</cb:title>
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  <item rdf:about="http://www.newyorkfed.org/banking/circulars/12150.html">
    <title>Board Announces Temporary Exemption to Limitations in Section 23A of Federal Reserve Act Will Expire on October 30, 2009</title>
    <link>http://www.newyorkfed.org/banking/circulars/12150.html</link>
    <description></description>
	<dc:date>2009-11-02T07:53:11-5:00</dc:date>
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	  <cb:simpleTitle>Board Announces Temporary Exemption to Limitations in Section 23A of Federal Reserve Act Will Expire on October 30, 2009</cb:simpleTitle>
	  <cb:occurrenceDate>2009-11-02</cb:occurrenceDate>
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	    <cb:title>Board Announces Temporary Exemption to Limitations in Section 23A of Federal Reserve Act Will Expire on October 30, 2009</cb:title>
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  <item rdf:about="http://www.newyorkfed.org/banking/circulars/12149.html">
    <title>Board Adopts Policy Statement Supporting Prudent Commercial Real Estate Loan Workouts</title>
    <link>http://www.newyorkfed.org/banking/circulars/12149.html</link>
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	<dc:date>2009-11-02T07:51:39-5:00</dc:date>
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	  <cb:simpleTitle>Board Adopts Policy Statement Supporting Prudent Commercial Real Estate Loan Workouts</cb:simpleTitle>
	  <cb:occurrenceDate>2009-11-02</cb:occurrenceDate>
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	    <cb:title>Board Adopts Policy Statement Supporting Prudent Commercial Real Estate Loan Workouts</cb:title>
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  <item rdf:about="http://www.newyorkfed.org/banking/circulars/12148.html">
    <title>Board Issues Proposed Guidance on Incentive Compensation</title>
    <link>http://www.newyorkfed.org/banking/circulars/12148.html</link>
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	<dc:date>2009-10-22T15:51:49-5:00</dc:date>
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	  <cb:simpleTitle>Board Issues Proposed Guidance on Incentive Compensation</cb:simpleTitle>
	  <cb:occurrenceDate>2009-10-22</cb:occurrenceDate>
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	    <cb:title>Board Issues Proposed Guidance on Incentive Compensation</cb:title>
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  <item rdf:about="http://www.newyorkfed.org/banking/circulars/12147.html">
    <title>Annual Adjustments for Reserve Calculations and Deposit Reporting, Regulation D</title>
    <link>http://www.newyorkfed.org/banking/circulars/12147.html</link>
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	<dc:date>2009-10-09T17:34:38-5:00</dc:date>
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	  <cb:simpleTitle>Annual Adjustments for Reserve Calculations and Deposit Reporting, Regulation D</cb:simpleTitle>
	  <cb:occurrenceDate>2009-10-09</cb:occurrenceDate>
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	    <cb:title>Annual Adjustments for Reserve Calculations and Deposit Reporting, Regulation D</cb:title>
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  </item>  
  <item rdf:about="http://www.newyorkfed.org/banking/circulars/12146.html">
    <title>Restructuring of Check Processing Operations in the Fourth, Eleventh and Twelfth Districts, Regulation CC Impact on Second District Depository Institutions</title>
    <link>http://www.newyorkfed.org/banking/circulars/12146.html</link>
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	<dc:date>2009-10-09T12:55:35-5:00</dc:date>
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	  <cb:simpleTitle>Restructuring of Check Processing Operations in the Fourth, Eleventh and Twelfth Districts, Regulation CC Impact on Second District Depository Institutions</cb:simpleTitle>
	  <cb:occurrenceDate>2009-10-09</cb:occurrenceDate>
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	    <cb:title>Restructuring of Check Processing Operations in the Fourth, Eleventh and Twelfth Districts, Regulation CC Impact on Second District Depository Institutions</cb:title>
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