Important Update: “Title 12 – Banks and Banking” Now Available in the 1999 Code of Federal Regulations Archive
We are pleased to announce a significant update to the federal government’s information repository, GovInfo. As of August 23, 2025, at 18:08, the archived version of “Title 12 – Banks and Banking” from the 1999 Code of Federal Regulations (CFR) has been made available.
This release provides valuable access to the regulatory landscape governing the banking and financial sector as it stood in 1999. For researchers, legal professionals, historians, and anyone interested in the evolution of financial regulations in the United States, this addition is a significant resource.
What is the Code of Federal Regulations?
The Code of Federal Regulations (CFR) is the codification by subject or agency of the general and permanent rules published in the Federal Register by the executive departments and agencies of the Federal Government. It is divided into 50 titles which represent broad areas subject to Federal regulation.
Significance of Title 12 – Banks and Banking:
Title 12 is a cornerstone of the U.S. regulatory framework, encompassing a wide array of laws and rules that govern financial institutions. This includes:
- National Banks: Regulations pertaining to the chartering, operation, and supervision of national banks.
- Federal Reserve System: Rules and policies established by the Federal Reserve, the central banking system of the United States.
- Banks and Banking Regulations: A broad spectrum of regulations addressing various aspects of banking operations, including capital requirements, lending practices, consumer protection, and more.
- Credit Unions: Rules governing federal credit unions.
- Housing and Urban Development: Regulations related to housing finance and mortgage markets.
- Securities Regulation: Aspects of banking that intersect with securities markets.
Why is the 1999 Archive Important?
Accessing historical versions of the CFR is crucial for several reasons:
- Legal Precedent and Historical Research: Understanding the legal and regulatory environment of a specific period is vital for legal research, case analysis, and understanding the historical development of financial policy.
- Comparative Analysis: This archive allows for valuable comparative studies, enabling a detailed examination of how banking regulations have evolved over time.
- Understanding Current Regulations: By studying past regulations, one can gain a deeper appreciation for the rationale behind current rules and the historical context that shaped them.
How to Access the Information:
The 1999 version of “Title 12 – Banks and Banking” can be accessed directly through the GovInfo website. Users can navigate to the specific volume containing this title to view and download the relevant regulations.
This release underscores GovInfo’s commitment to providing comprehensive and accessible historical government information. We encourage all interested parties to explore this valuable resource to deepen their understanding of U.S. banking and financial regulations.
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