🇺🇸 Live Banking & Financial Services

Regulation O (Insider Lending) (12 CFR 215)

Restricts extensions of credit by member banks to their executive officers, directors, and principal shareholders, imposing lending limits and requiring board approval. Applies to Federal Reserve member banks and their insiders.

View official source document

Rules extracted

175

Obligations decomposed

14.6x

Avg obligations per rule

🇺🇸 United States

Jurisdiction

What AuditDSS covers

Source

Regulation

Extracted

Rules

Decomposed

175

Obligations

14.6x

Decomposition ratio

Each rule is decomposed into an average of 14.6 atomic obligations — the smallest testable units that can be independently violated.

Fully extracted & scored

All 175 obligations have been decomposed, titled, risk-scored, and embedded for semantic matching.

Risk scoring

Every obligation in Regulation O (Insider Lending) is scored across independent risk dimensions:

Obligation Weight

How critical within the regulatory framework

Violation Likelihood

How often breached in practice

Enforcement Evidence

Regulator enforcement history and penalties

Cascade Dependency

How many obligations depend on this one

Regulatory details

Full title: Regulation O (Insider Lending) (12 CFR 215)
Regulatory body: Federal Reserve Board
Jurisdiction: 🇺🇸 United States
Document type: regulation
Effective date: January 1, 1979
Industry: Banking & Financial Services
Official source: View source document ↗

Who this applies to

member banksbank insidersexecutive officersdirectorsprincipal shareholders

Key requirements

insider lending limits
preferential treatment prohibition
prior board approval
reporting requirements
overdraft restrictions for insiders

Frequently asked questions about Regulation O (Insider Lending)

What is Regulation O (Insider Lending)?

Who does Regulation O (Insider Lending) apply to?

Regulation O (Insider Lending) applies to member banks, bank insiders, executive officers, directors, principal shareholders.

How many obligations does Regulation O (Insider Lending) contain?

AuditDSS has decomposed Regulation O (Insider Lending) into 175 atomic obligations from 12 rules. Each obligation is independently testable and risk-scored.

What are the key requirements of Regulation O (Insider Lending)?

The key requirements include: insider lending limits, preferential treatment prohibition, prior board approval, reporting requirements, overdraft restrictions for insiders.

How can I assess my Regulation O (Insider Lending) compliance?

Upload your compliance policy to AuditDSS. The platform maps your document against all 175 Regulation O (Insider Lending) obligations using deterministic AI scoring — not checklists or LLM summaries. You get a risk-scored gap analysis showing exactly which obligations are covered, partially covered, or missing.

Which jurisdiction enforces Regulation O (Insider Lending)?

Regulation O (Insider Lending) is enforced in United States by Federal Reserve Board.

When did Regulation O (Insider Lending) come into effect?

Regulation O (Insider Lending) became effective on January 1, 1979.

What industry does Regulation O (Insider Lending) apply to?

Regulation O (Insider Lending) is primarily relevant to the Banking & Financial Services industry. AuditDSS covers 105 regulations in this industry sector.

Build a Regulation O (Insider Lending) compliance pack

Don't have a compliance policy yet? AuditDSS generates a complete compliance pack for Regulation O (Insider Lending) — alone or combined with other regulations your business needs. Every clause is mapped to specific obligations.

Policy

High-level commitments and governance framework covering Regulation O (Insider Lending) requirements.

Procedures

Step-by-step operational procedures to implement each policy commitment.

Forms & checklists

Ready-to-use forms, registers, and checklists for day-to-day compliance operations.

Multi-regulation

Combine Regulation O (Insider Lending) with other regulations into a single unified compliance pack for your business.

Build Regulation O (Insider Lending) compliance pack

Already have a policy? Assess it against Regulation O (Insider Lending)

Upload your document

Upload your compliance policy, program manual, or operational document. AuditDSS accepts any text-based document.

AI maps against 175 obligations

Your document is scored against every obligation in Regulation O (Insider Lending). Each claim is mapped to the obligation tree and evaluated for coverage.

Risk-scored gap report

Receive every gap ranked by risk priority with remediation guidance, enforcement evidence, and cascade impact analysis.