Revised Pamphlets for the Capital Adequacy Guidelines and the Official Commentary on Regulation Z; Slip-Sheet Amendments to Regulation CC, Notice 1999-73

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Federal Reserve Bank of Dallas For additional copies, bankers and others are encouraged to use one of the following toll-free numbers in contacting the Federal Reserve Bank of Dallas: Dallas Office (800) 333-4460; El Paso Branch Intrastate (800) 592-1631, Interstate (800) 351-1012; Houston Branch Intrastate (800) 392-4162, Interstate (800) 221-0363; San Antonio Branch Intrastate (800) 292-5810. DALLAS, TEXAS 75265-5906 l l ★K TO:

The Chief Executive Officer of each financial institution and others concerned in the Eleventh Federal Reserve District SUBJECT Revised Pamphlets for the Capital Adequacy Guidelines and the Official Commentary on Regulation Z; Slip-Sheet Amendments to Regulation CC DETAILS Notice 99-73 August 31, 1999 The Board of Governors of the Federal Reserve System has published pamphlets for the Capital Adequacy Guidelines, as amended effective July 1, 1999, and the Official Staff Commentary on Regulation Z (Truth in Lending), as amended effective March 31, 1999. In addition, the Board has published slip-sheet amendments to Regulation CC (Availability of Funds and Collection of Checks), as amended effective April 1, 1999. ENCLOSURES The revised pamphlets and the amendment slip sheet are enclosed. Also enclosed are corrected and updated copies of the indexes to regulations. Please insert the enclosures in your Regulations binders.

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- 2 - MORE INFORMATION For more information regarding Capital Adequacy Guidelines, please contact Dorsey Davis in the Banking Supervision Department at (214) 922-6051. For more information regarding Regulation Z, please contact Eugene Coy in the Banking Supervision Department at (214) 922-6201.

For more information regarding Regulation CC, please contact Larry Snell, (214) 922-5571, in the Payments Services Department at the Dallas Office; Eloise Guinn, (915) 521-8201, in the Payments Mechanism Department at the El Paso Branch; René Gonzales, (713) 652-1543, in the Payments Services Department at the Houston Branch; or Herb Barbee, (210) 978-1402, in the Payments Services Department at the San Antonio Branch. For additional copies of this Bank’s notice, contact the Public Affairs Department at (214) 922-5254.