2 Introduction

This chapter provides an understanding of the Oracle Financial Services Regulatory Reporting for the US Federal Reserve application and its scope. It includes:

· Overview

· OFSAA Regulatory Reporting Architecture

· Scope

Overview

Regulatory reporting and financial services have evolved to be an inseparable combination. It has worsened since the 2008 financial crisis. Today, banks and financial institutions must file hundreds of regulatory reports. For the U.S. Federal Reserve alone, institutions must file multiple submissions of FFIEC-101, call reports, stress testing reports, and so on. Reporting requirements increase rapidly in number and complexity for banks operating regionally or globally, where they must file in multiple jurisdictions.

The OFS AGILE RP USFED solution enables financial services organizations to manage and execute regulatory reporting in a single integrated environment. It automates end-to-end processes from data capture through submission with industry-leading solutions. It leverages Oracle Financial Services Analytical Application (OFSAA) and Oracle Financial Services Data Foundation (OFSDF) for managing analytical application data. The AgileREPORTER in Regulatory Reporting (REG REP) Solution enables firms to automate the final mile of the reporting process. It provides pre-built integration to Vermeg Reporting, eliminating the need for further manual intervention. The solution ensures data integrity allowing banks to focus more time on analyzing and gaining new business insight from their growing stores of data instead of preparing data and reports with the sole objective of meeting submission deadlines.

OFSAA Regulatory Reporting Architecture

Figure 1: Regulatory Reporting (REG REP) Solution Architecture

This illustration describes the dataflow from OFSAA to AgileREPORTER.

This interface connects the Oracle FSDF to the Vermeg portal. As you can see in the Architecture figure above, Data flows from OFSAA to the Vermeg portal.

OFSDF is an analytical data warehouse platform for the Financial Services industry. It combines an industry data model for Financial Services along with a set of management and infrastructure tools that allows Financial Services Institutions to develop, deploy, and operate analytical solutions spanning key functional areas in Financial Services, including:

1. Enterprise Risk Management

2. Enterprise Performance Management

3. Customer Insight

4. Financial Crime and Compliance Management

OFSDF is a comprehensive data management platform that helps institutions to manage the analytical data life cycle from sourcing to reporting and business intelligence/BI using a unified, consistent platform and toolset.

AgileREPORTER is a form and workflow tool that enables both creation and submission of regulatory returns. AgileREPORTER addresses the financial reporting requirements of both domestic and international banks and financial institutions by automating compliance with mandated reports to central banks, regulatory agencies. AgileREPORTER works easily with multiple sources of information as it standardizes data elements and automates regulatory report production in prescribed templates with the associated workflow for automatic submission. It is a reliable and efficient infrastructure to compile, generate, and submit regulatory reports. It collects data from a wide universe (not just OFSAA Results). It provides automated repeated manual adjustments, variance analysis, and validation checks. It provides features to explain and justify a number quickly, including links to OBIEE.

The solution provides a pre-built interface or integration between FSDF and AgileREPORTER. With this integration, you can automate the end-to-end reporting process covering data preparation to the last mile of reporting.

Scope

Oracle Financial Services Regulatory Reporting for US Federal Reserve covers the following regulatory reports for specified release as mentioned in the table:

Table 2: Scope of Regulatory Reports and Schedules


Report	Report Name	Report	Released Version
FR Y-9C	Consolidated Financial Statements for Holding Companies	FR Y-9C	8.1.1.0.0
FR Y-20	Financial Statements for a Bank Holding Company Subsidiary Engaged in Bank-Ineligible Securities Underwriting and Dealing	FR Y-20	8.1.1.0.0
FR Y-15	Banking Organization Systemic Risk Report	FR Y-15	8.1.1.0.0
FFIEC-009	Country Exposure Report	FFIEC-009	8.1.1.0.0
FFIEC-009A	Country Exposure Information Report	FFIEC-009A	8.1.1.0.0
FR Y-11	Financial Statements of U.S. Nonbank Subsidiaries of U.S. Holding Companies	FR Y-11	8.1.1.0.0
FR Y-11S	Abbreviated Financial Statements of U.S. Nonbank Subsidiaries of U.S. Holding Companies	FR Y-11S	8.1.1.0.0
FR-2314	Financial Statements of Foreign Subsidiaries of U.S. Banking Organizations	FR-2314	8.1.1.0.0
FR-2314S	Abbreviated Financial Statements of Foreign Subsidiaries of U.S. Banking Organizations	FR-2314S	8.1.1.0.0
FR Y-9LP	Parent Company Only Financial Statements for Large Holding Companies	FR Y-9LP	8.1.1.0.0
FFIEC-031	Consolidated Reports of Condition and Income for a Bank with Domestic and Foreign Offices	FFIEC-031	8.1.1.0.0
FR Y-12	Consolidated Holding Company Report of Equity Investments in Nonfinancial Companies	FR Y-12	8.1.1.0.0
FFIEC-041	Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only	FFIEC-041	8.1.1.0.0
FR-2052A	Complex Institution Liquidity Monitoring Report	FR-2052A	8.1.1.0.0
FR Y-7N	Financial Statements of U.S. Nonbank Subsidiaries Held by Foreign Banking Organizations	FR Y-7N	8.1.1.0.0
FR Y-7NS	Abbreviated Financial Statements of U.S. Nonbank Subsidiaries Held by Foreign Banking Organizations	FR Y-7NS	8.1.1.0.0
FR-2644	Weekly Report of Selected Assets and Liabilities of Domestically Chartered Commercial Banks and U.S. Branches and Agencies of Foreign Banks	FR-2644	8.1.1.0.0
FR-2886B	Cash and Balances Due from Depository Institutions	FR-2886B	8.1.1.0.0
FR-2900	Report of Transaction Accounts, Other Deposits, and Vault Cash (Commercial Banks)	FR-2900	8.1.1.0.0
FR Y-14Q	Schedule M.1 – Balances	FR Y-14Q	8.1.1.0.0
FR Y-14Q	Schedule K – Supplemental	FR Y-14Q	8.1.1.0.0
FR Y-14Q	Schedule A – Retail	FR Y-14Q	8.1.1.0.0
FR Y-14Q	Schedule H – Wholesale Risk	FR Y-14Q	8.1.1.0.0
FR Y-14M	Capital Assessments and Stress Testing Report - Monthly	FR Y-14M	8.1.1.0.0
FFIEC-101	Regulatory Capital Reporting for Institutions Subject to the Advanced Capital Adequacy Framework	FFIEC-101	8.1.1.0.0
FDIC-8020	Statement of Deposits	FDIC-8020	8.1.1.0.0
FFIEC-002	Assets and Liabilities of U.S. Branches and Agencies of Foreign Banks	FFIEC-002	8.1.1.0.0
FR 2420	Selected Money Market Rates	FR 2420	8.1.1.0.0
FFIEC-030	Foreign Branch Report of Condition	FFIEC-030	8.1.1.0.0
FFIEC-030S	Abbreviated Foreign Branch Report of Condition	FFIEC-030S	8.1.1.0.0
FR Y-7Q	The Capital and Asset Report for Foreign Banking Organizations	FR Y-7Q	8.1.1.0.0
FR 2835A	Quarterly Report of Credit Card Plans	FR 2835A	8.1.1.0.0
FR 2502Q	Quarterly Report of Assets and Liabilities of Large Foreign Offices of U.S. Banks	FR 2502Q	8.1.1.0.0

The following table lists the detailed scope.

Table 3: Detailed Scope of Reports and Schedules


Sl. No.	Report Code	Sl. No.	Schedule Code	Sl. No.	Schedule Name
1	FDIC-8020	1	–	1	Statement of Deposits
2	FFIEC-009	2	C Part I	2	Claims on an Immediate Risk Basis
3	FFIEC-009	3	C Part II	3	Claims on an Ultimate Risk Basis and Memorandum Items
4	FFIEC-009	4	D	4	Claims from Positions in Derivative Contracts
5	FFIEC-009	5	L	5	Foreign-Office Liabilities
6	FFIEC-009	6	O	6	Off-Balance-Sheet Items
7	FFIEC-009A	7	A	7	Country Exposure Information Report Part A
8	FFIEC-009A	8	B	8	Country Exposure Information Report Part B
9	FFIEC-031	9	RC-S	9	Servicing, Securitization, and Asset Sale Activities
10	FFIEC-031	10	RC-V	10	Variable Interest Entities
11	FFIEC-031	11	RC	11	Balance Sheet
12	FFIEC-031	12	RC-A	12	Cash and Balances Due from Depository Institutions
13	FFIEC-031	13	RC-B	13	Securities(bugs)
14	FFIEC-031	14	RC-C	14	Loans and Lease Financing Receivables(bugs)
15	FFIEC-031	15	RC-D	15	Trading Assets and Liabilities
16	FFIEC-031	16	RC-E	16	Deposit Liabilities
17	FFIEC-031	17	RC-F	17	Other Assets
18	FFIEC-031	18	RC-G	18	Other Liabilities
19	FFIEC-031	19	RC-H	19	Selected Balance Sheet Items for Domestic Offices
20	FFIEC-031	20	RC-I	20	Assets and Liabilities of IBFs
21	FFIEC-031	21	RC-K	21	Quarterly Averages
22	FFIEC-031	22	RC-L	22	Derivatives and Off-Balance-Sheet Items
23	FFIEC-031	23	RC-M	23	Memoranda
24	FFIEC-031	24	RC-N	24	Past Due and Nonaccrual Loans, Leases, and Other Assets
25	FFIEC-031	25	RC-O	25	Other Data for Deposit Insurance and FICO Assessments
26	FFIEC-031	26	RC-P	26	1–4 Family Residential Mortgage Banking Activities in Domestic Offices
27	FFIEC-031	27	RC-Q	27	Assets and Liabilities Measured at Fair Value regularly
28	FFIEC-031	28	RC-R Part I	28	Regulatory Capital Components and Ratios
29	FFIEC-031	29	RC-R Part II	29	Risk-Weighted Assets
30	FFIEC-031	30	RC-T	30	Fiduciary and Related Services
31	FFIEC-031	31	RI	31	Income Statement
32	FFIEC-031	32	RI-A	32	Changes in Equity Capital
33	FFIEC-031	33	RI-B	33	Charge-offs and Recoveries and Changes in Allowance for Loan and Lease Losses
34	FFIEC-031	34	RI-C	34	Disaggregated Data on the Allowance for Loan and Lease Losses
35	FFIEC-031	35	RI-D	35	Income from Foreign Offices
36	FFIEC-031	36	RI-E	36	Explanations
37	FFIEC-041	37	RC	37	Balance Sheet
38	FFIEC-041	38	RC-A	38	Cash and Balances Due from Depository Institutions
39	FFIEC-041	39	RC-B	39	Securities
40	FFIEC-041	40	RC-C	40	Loans and Lease Financing Receivables
41	FFIEC-041	41	RC-D	41	Trading Assets and Liabilities
42	FFIEC-041	42	RC-E	42	Deposit Liabilities
43	FFIEC-041	43	RC-F	43	Other Assets
44	FFIEC-041	44	RC-G	44	Other Liabilities
45	FFIEC-041	45	RC-K	45	Quarterly Averages
46	FFIEC-041	46	RC-L	46	Derivatives and Off-Balance-Sheet Items
47	FFIEC-041	47	RC-M	47	Memoranda
48	FFIEC-041	48	RC-N	48	Past Due and Nonaccrual Loans, Leases, and Other Assets
49	FFIEC-041	49	RC-O	49	Other Data for Deposit Insurance and FICO Assessments
50	FFIEC-041	50	RC-P	50	1–4 Family Residential Mortgage Banking Activities
51	FFIEC-041	51	RC-Q	51	Assets and Liabilities Measured at Fair Value on a Recurring Basis
52	FFIEC-041	52	RC-R Part I	52	Regulatory Capital Components and Ratios
53	FFIEC-041	53	RC-R Part II	53	Risk-Weighted Assets
54	FFIEC-041	54	RC-S	54	Servicing, Securitization, and Asset Sale Activities
55	FFIEC-041	55	RC-T	55	Fiduciary and Related Services
56	FFIEC-041	56	RC-V	56	Variable Interest Entities
57	FFIEC-041	57	RI	57	Income Statement
58	FFIEC-041	58	RI-A	58	Changes in Bank Equity Capital
59	FFIEC-041	59	RI-B	59	Charge-offs and Recoveries and Changes in Allowance for Loan and Lease Losses
60	FFIEC-041	60	RI-C	60	Disaggregated Data on the Allowance for Loan and Lease Losses
61	FFIEC-041	61	RI-E	61	Explanations
62	FFIEC-101	62	–	62	Advanced Capital Adequacy Framework
63	FR Y-11	63	BS	63	Balance Sheet
64	FR Y-11	64	BS-A	64	Loans and Lease Financing Receivables
65	FR Y-11	65	BS-M	65	Memoranda
66	FR Y-11	66	IS	66	Income Statement (calendar year-to-date)
67	FR Y-11	67	IS-A	67	Changes in Equity Capital
68	FR Y-11	68	IS-B	68	Changes in Allowance for Loan and Lease Losses
69	FR Y-11S	69	List	69	Detailed Listing of Subsidiaries
70	FR Y-12	70	A	70	Type of Investments
71	FR Y-12	71	B	71	Type of Security
72	FR Y-12	72	C	72	Type of Entity within the Banking Organization
73	FR Y-12	73	D	73	Non-financial Investment Transactions During Reporting Period
79	FR Y-14M	79	–	79	Capital Assessments and Stress Testing Report
80	FR Y-14M	80	A-1	80	Domestic First Lien Closed-end 1-4 Family Residential Loan Data – Loan Level Table
81	FR Y-14M	81	A-2	81	Domestic First Lien Closed-end 1-4 Family Residential Loan Data – Portfolio Level Table
82	FR Y-14M	82	B-1	82	Domestic Home Equity Loan and Home Equity Line – Loan Level Table
83	FR Y-14M	83	B-2	83	Domestic Home Equity Loan and Home Equity Line – Portfolio Level Table
84	FR Y-14M	84	C-1	84	Address Matching Loan Level Data
85	FR Y-14M	85	D-1	85	Domestic Credit Card Data – Loan Level Table
86	FR Y-14M	86	D-2	86	Domestic Credit Card Data – Portfolio Level Table
87	FR Y-14QA1	87	–	87	Retail
88	FR Y-14QBAL	88	M	88	Balances
89	FR Y-14QCIL	89	H.1	89	Corporate Loan Data
90	FR Y-14QCRE	90	H.2	90	Commercial Real Estate
91	FR Y-14QFVOHFS	91	J	91	Retail Fair Value Option/Held for Sale (FVO/HFS)
92	FR Y-14QMSR	92	I	92	MSR Valuation
93	FR Y-14QopsriskBL	93	E.2	93	Business Line
94	FR Y-14QopsriskMS	94	E.1	94	Operational Loss History
95	FR Y-14QOpsriskRFR	95	E.5	95	Legal Reserves Frequency
96	FR Y-14QopsriskTH	96	E.4	96	Threshold Information
97	FR Y-14QOpsriskUOM	97	E.3	97	Unit-0f-Measure
98	FR Y-14QPPNR	98	G	98	Pre-Provision Net Revenue
99	FR Y-14QRCI	99	C	99	Regulatory Capital Instruments
100	FR Y-14QRCT	100	D	100	Regulatory Capital Transitions
101	FR Y-14QretailAuto	101	A.2	101	US Auto Loan
102	FR Y-14QretailIntauto	102	A.1	102	International Auto Loan
103	FR Y-14QretailIntcard	103	A.3	103	International Credit Card
104	FR Y-14QretailIntfm	104	A.5	104	International First Lien Mortgage
105	FR Y-14QRetailINTHE	105	A.4	105	International Home Equity
106	FR Y-14QretailIntlothcons	106	A.6	106	International Other Consumer Schedule
107	FR Y-14QretailIntsb	107	A.8	107	International Small Business
108	FR Y-14QretailStudent	108	A.10	108	Student Loan
109	FR Y-14QretailUSothcons	109	A.7	109	US Other Consumer
110	FR Y-14QretailUssb	110	A.9	110	US Small Business
111	FR Y-14QSEC	111	B	111	Securities
112	FR Y-14QSUPMNT	112	K	112	Supplemental
113	FR Y-14QTRADING	113	F	113	Trading
114	FR Y-15	114	–	114	Banking Organization Systemic Risk Report
115	FR Y-15	115	A	115	Size Indicator
116	FR Y-15	116	B	116	Interconnectedness Indicators
117	FR Y-15	117	C	117	Substitutability Indicators
118	FR Y-15	118	D	118	Complexity Indicators
119	FR Y-15	119	E	119	Cross-Jurisdictional Activity Indicators
120	FR Y-15	120	F	120	Ancillary Indicators
121	FR Y-15	121	G	121	Short-Term Wholesale Funding Indicator
122	FR Y-15	122	H	122	FBO Size Indicator
123	FR Y-15	123	I	123	FBO Interconnectedness Indicators
124	FR Y-15	124	J	124	FBO Substitutability Indicators
125	FR Y-15	125	K	125	FBO Complexity Indicators
126	FR Y-15	126	L	126	FBO Cross-Jurisdictional Activity Indicators (Column B) Combined U.S. Operations (Column A) U
127	FR Y-15	127	M	127	FBO Ancillary Indicators
128	FR Y-15	128	N	128	FBO Short-Term Wholesale Funding Indicator
129	FR Y-20	129	–	129	Financial Statements for a Bank Holding Company Subsidiary Engaged in Bank-Ineligible Securities Underwriting and Dealing
130	FR Y-7N	130	–	130	Financial Statements of U.S. Nonbank Subsidiaries Held by Foreign Banking Organizations
131	FR Y-7N	131	IS	131	Income Statement
132	FR Y-7N	132	IS-A	132	Changes in Equity Capital
133	FR Y-7N	133	IS-B	133	Changes in Allowance for Loan and Lease Losses
134	FR Y-7N	134	BS	134	Balance Sheet
135	FR Y-7N	135	BS-A	135	Loans and Lease Financing Receivables
136	FR Y-7N	136	BS-M	136	Memoranda
137	FR Y-7NS	137	–	137	Abbreviated Financial Statements of U.S. Nonbank Subsidiaries Held by Foreign Banking Organizations
138	FR Y-9C	138	–	138	Consolidated Financial Statements for Holding Companies
139	FR Y-9C	139	HI	139	Consolidated Income Statement
140	FR Y-9C	140	HI-A	140	Changes in Holding Company Equity Capital
141	FR Y-9C	141	HI-B	141	Charge-Offs and Recoveries on Loans and Leases and Changes in Allowance for Loan and Lease Losses
142	FR Y-9C	142	HI-C	142	Disaggregated Data on the Allowance for Loan and Lease Losses
143	FR Y-9C	143	HC	143	Consolidated Balance Sheet
144	FR Y-9C	144	HC-B	144	Securities
145	FR Y-9C	145	HC-C	145	Loans and Lease Financing Receivables
146	FR Y-9C	146	HC-D	146	Trading Assets and Liabilities
147	FR Y-9C	147	HC-E	147	Deposit Liabilities1
148	FR Y-9C	148	HC-F	148	Other Assets
149	FR Y-9C	149	HC-G	149	Other Liabilities
150	FR Y-9C	150	HC-H	150	Interest Sensitivity
151	FR Y-9C	151	HC-I	151	Insurance-Related Underwriting Activities (Including Reinsurance)
152	FR Y-9C	152	HC-K	152	Quarterly Averages
153	FR Y-9C	153	HC-L	153	Derivatives and Off-Balance-Sheet Items
154	FR Y-9C	154	HC-M	154	Memoranda
155	FR Y-9C	155	HC-N	155	Past Due and Nonaccrual Loans, Leases, and Other Assets
156	FR Y-9C	156	HC-P	156	1–4 Family Residential Mortgage Banking Activities in Domestic Offices
157	FR Y-9C	157	HC-Q	157	Assets and Liabilities Measured at Fair Value on a Recurring Basis
158	FR Y-9C	158	HC-R	158	Regulatory Capital
159	FR Y-9C	159	HC-S	159	Servicing, Securitization, and Asset Sale Activities
160	FR Y-9C	160	HC-V	160	Variable Interest Entities
161	FR Y-9LP	161	–	161	Parent Company Only Financial Statements for Large Holding Companies
162	FR Y-9LP	162	PI	162	Parent Company Only Income Statement
163	FR Y-9LP	163	PI-A	163	Cash Flow Statement
164	FR Y-9LP	164	PC	164	Parent Company Only Balance Sheet
165	FR Y-9LP	165	PC-A	165	Investments in Subsidiaries and Associated Companies
166	FR Y-9LP	166	PC-B	166	Memoranda
167	FR-2052A	167	–	167	Complex Institution Liquidity Monitoring Report
168	FR-2314	168	–	168	Financial Statements of Foreign Subsidiaries of U.S. Banking Organizations
169	FR-2314	169	IS	169	Income Statement (calendar year-to-date)
170	FR-2314	170	IS-A	170	Changes in Equity Capital
171	FR-2314	171	IS-B	171	Changes in Allowance for Loan and Lease Losses
172	FR-2314	172	BS	172	Balance Sheet
173	FR-2314	173	BS-A	173	Loans and Lease Financing Receivables
174	FR-2314	174	BS-M	174	Memoranda
175	FR-2314S	175	–	175	Abbreviated Financial Statements of Foreign Subsidiaries of U.S. Banking Organizations
176	FR-2644	176	–	176	Weekly Report of Selected Assets and Liabilities of Domestically Chartered Commercial Banks and U.S. Branches and Agencies of Foreign Banks
177	FR-2886B	177	RI-A	177	Changes in Equity Capital
178	FR-2886B	178	RC-B	178	Securities
179	FR-2886B	179	RC	179	Balance Sheet
180	FR-2886B	180	RC-C	180	Loans and Lease Financing Receivables
181	FR-2886B	181	RC-M	181	Claims on and Liabilities to Related Organizations
182	FR-2886B	182	RC-N	182	Past Due and Nonaccrual Loans, Leases, and Other Assets
183	FR-2886B	183	RC-R	183	Regulatory Capital
184	FR-2886B	184	RI	184	Income Statement
185	FR-2886B	185	RI-B	185	Changes in Allowance for Loan and Lease Losses
186	FR-2886B	186	RC-A	186	Cash and Balances Due from Depository Institutions
187	FR-2886B	187	RC-L	187	Derivatives and Off-Balance Sheet Items
188	FR-2900	188	–	188	Report of Transaction Accounts, Other Deposits, and Vault Cash
189	FR-2420	189	A	189	Federal Funds
190	FR-2420	190	AA	190	Selected Borrowings from Non-Exempt Entities
191	FR-2420	191	B	191	Eurodollars
192	FR-2420	192	C	192	Time Deposits and Certificates of Deposit (CDs)
193	FFIEC-002	193	RAL	193	Assets and Liabilities
194	FFIEC-002	194	A	194	Cash and Balances Due from Depository Institutions
195	FFIEC-002	195	C Part I	195	Loans and Leases
196	FFIEC-002	196	C Part II	196	Loans to Small Businesses and Small Farms
197	FFIEC-002	197	E	197	Deposit Liabilities and Credit Balances
198	FFIEC-002	198	K	198	Quarterly Averages
199	FFIEC-002	199	L	199	Derivatives and Off-Balance-Sheet Items
200	FFIEC-002	200	N	200	Past Due, Nonaccrual, and Restructured Loans
201	FFIEC-002	201	O	201	Other Data for Deposit Insurance Assessments
202	FFIEC-002	202	P	202	Other Borrowed Money
203	FFIEC-002	203	Q	203	Financial Assets and Liabilities Measured at Fair Value on a Recurring Basis
204	FFIEC-002	204	T	204	Fiduciary and Related Services