---
kind: "section"
citation: "12 U.S.C. § 4802"
title: "12"
title_heading: "Banks and Banking"
number: "4802"
heading: "Administrative consideration of burden with new regulations"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/12/4802"
units:
  - "Chapter 48 — Financial Institutions Regulatory Improvement"
---

# §4802. Administrative consideration of burden with new regulations

- (a) **Agency considerations—** In determining the effective date and administrative compliance requirements for new regulations that impose additional reporting, disclosure, or other requirements on [insured depository institutions](/usc/12/4801.md?p=1), each Federal banking agency shall consider, consistent with the principles of safety and soundness and the public interest—
  - (1) any administrative burdens that such regulations would place on [depository institutions](/usc/12/1861.md?p=b-4), including small [depository institutions](/usc/12/1861.md?p=b-4) and customers of [depository institutions](/usc/12/1861.md?p=b-4); and
  - (2) the benefits of such regulations.
- (b) **Adequate transition period for new regulations—**
  - (1) **In general—** New regulations and amendments to regulations prescribed by a Federal banking agency which impose additional reporting, disclosures, or other new requirements on [insured depository institutions](/usc/12/4801.md?p=1) shall take effect on the first day of a calendar quarter which begins on or after the date on which the regulations are published in final form, unless—
    - (A) the agency determines, for good cause published with the regulation, that the regulation should become effective before such time;
    - (B) the regulation is issued by the [Board](/usc/12/1861.md?p=b-3) of Governors of the Federal Reserve System in connection with the implementation of monetary policy; or
    - (C) the regulation is required to take effect on a date other than the date determined under this paragraph pursuant to any other Act of Congress.
  - (2) **Early compliance—** Any [person](/usc/12/5481.md?p=19) who is subject to a regulation described in [paragraph (1)](#b-1) may comply with the regulation before the effective date of the regulation.

## Source credit

(Pub. L. 103–325, title III, § 302, Sept. 23, 1994, 108 Stat. 2214.)