Site Feedback

Title 12

Displaying title 12, up to date as of 8/10/2026. Title 12 was last amended 8/06/2026.
eCFR Content

The Code of Federal Regulations (CFR) is the official legal print publication containing the codification of the general and permanent rules published in the Federal Register by the departments and agencies of the Federal Government. The Electronic Code of Federal Regulations (eCFR) is a continuously updated online version of the CFR. It is not an official legal edition of the CFR.

Learn more about the eCFR, its status, and the editorial process.

Title 12Banks and BankingPart / Section
Chapter IIFederal Reserve System200 – 299
Subchapter ABoard of Governors of the Federal Reserve System200 – 269b
Part 204Reserve Requirements of Depository Institutions (Regulation D)204.1 – 204.136
§ 204.1Authority, purpose and scope.
§ 204.2Definitions.
§ 204.3Reporting and location.
§ 204.4Computation of required reserves.
§ 204.5Maintenance of required reserves.
§ 204.6Charges for deficiencies.
§ 204.7Supplemental reserve requirement.
§ 204.8International banking facilities.
§ 204.9Emergency reserve requirement.
§ 204.10Payment of interest on balances.
Interpretations204.121 – 204.136
§ 204.121Bankers' banks.
§ 204.122Secondary market activities of international banking facilities.
§ 204.123Sale of Federal funds by investment companies or trusts in which the entire beneficial interest is held exclusively by depository institutions.
§ 204.124Repurchase agreement involving shares of a money market mutual fund whose portfolio consists wholly of United States Treasury and Federal agency securities.
§ 204.125Foreign, international, and supranational entities referred to in §§ 204.2(c)(1)(iii)(E) and (f)(1)(iv)(E) and 204.8(a)(2)(i)(B)(5).
§ 204.126Depository institution participation in “Federal funds” market.
§ 204.127Nondepository participation in “Federal funds” market.
§ 204.128Deposits at foreign branches guaranteed by domestic office of a depository institution.
§ 204.130Eligibility for NOW accounts.
§ 204.131Participation by a depository institution in the secondary market for its own time deposits.
§ 204.132Treatment of loan strip participations.
§ 204.133Multiple savings deposits treated as a transaction account.
§ 204.134Linked time deposits and transaction accounts.
§ 204.135Shifting funds between depository institutions to make use of the low reserve tranche.
§ 204.136Treatment of trust overdrafts for reserve requirement reporting purposes.