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Regulation W (Affiliate Transactions) (12 CFR 223)

Imposes quantitative limits and collateral requirements on transactions between banks and their affiliates to protect depository institutions from inter-affiliate risk. Applies to Federal Reserve member banks and their affiliates.

View official source document

Rules extracted

428

Obligations decomposed

15.3x

Avg obligations per rule

🇺🇸 United States

Jurisdiction

What AuditDSS covers

Source

Regulation

Extracted

Rules

Decomposed

428

Obligations

15.3x

Decomposition ratio

Each rule is decomposed into an average of 15.3 atomic obligations — the smallest testable units that can be independently violated.

Fully extracted & scored

All 428 obligations have been decomposed, titled, risk-scored, and embedded for semantic matching.

Risk scoring

Every obligation in Regulation W (Affiliate Transactions) 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 W (Affiliate Transactions) (12 CFR 223)
Regulatory body: Federal Reserve Board
Jurisdiction: 🇺🇸 United States
Document type: regulation
Effective date: April 1, 2003
Industry: Banking & Financial Services
Official source: View source document ↗

Who this applies to

member banksbank subsidiariesbank affiliatesfinancial holding companies

Key requirements

quantitative limits on transactions
collateral requirements
low-quality asset restrictions
attribution rules
valuation and timing rules

Frequently asked questions about Regulation W (Affiliate Transactions)

What is Regulation W (Affiliate Transactions)?

Who does Regulation W (Affiliate Transactions) apply to?

Regulation W (Affiliate Transactions) applies to member banks, bank subsidiaries, bank affiliates, financial holding companies.

How many obligations does Regulation W (Affiliate Transactions) contain?

AuditDSS has decomposed Regulation W (Affiliate Transactions) into 428 atomic obligations from 28 rules. Each obligation is independently testable and risk-scored.

What are the key requirements of Regulation W (Affiliate Transactions)?

The key requirements include: quantitative limits on transactions, collateral requirements, low-quality asset restrictions, attribution rules, valuation and timing rules.

How can I assess my Regulation W (Affiliate Transactions) compliance?

Upload your compliance policy to AuditDSS. The platform maps your document against all 428 Regulation W (Affiliate Transactions) 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 W (Affiliate Transactions)?

Regulation W (Affiliate Transactions) is enforced in United States by Federal Reserve Board.

When did Regulation W (Affiliate Transactions) come into effect?

Regulation W (Affiliate Transactions) became effective on April 1, 2003.

What industry does Regulation W (Affiliate Transactions) apply to?

Regulation W (Affiliate Transactions) is primarily relevant to the Banking & Financial Services industry. AuditDSS covers 105 regulations in this industry sector.

Build a Regulation W (Affiliate Transactions) compliance pack

Don't have a compliance policy yet? AuditDSS generates a complete compliance pack for Regulation W (Affiliate Transactions) — 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 W (Affiliate Transactions) 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

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AI maps against 428 obligations

Your document is scored against every obligation in Regulation W (Affiliate Transactions). 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.