On September 18, 2018, the Office of the Comptroller of the Currency (OCC) issued a proposed rule to allow federal savings associations with total consolidated assets of $20 billion or less as of December 31, 2017, to elect national bank powers and operate as covered savings associations. The proposed rule aims to provide certain federal savings associations with additional flexibility to adapt to new economic conditions and business environments without changing their charters. The deadline for comments on the proposed rule is November 19, 2018. Read more here.
- November 19, 2018
- Time: All Day
Other events in Comment Period
- May 31, 2018: Proposed Rule: Implementation and Transition of the CECL Methodology
- August 28, 2018: Proposed Rule: ISOĀ® 20022 Message Format for Fedwire
- September 14, 2018: Comment Period: FDIC Proposal to Retire FILs
- October 8, 2018: Comment Period: FDIC Seeks Comment on the Treatment of Reciprocal Deposits
- September 21, 2018: Comment Period: Small Bank Holding Company and Savings and Loan Holding Company Policy Statement
- October 8, 2018: Comment Period: Revised Guidelines Relating to Recovery Planning Standards
- September 14, 2018: Comment Period: Reforming CRA Framework ANPR
- September 21, 2018: Comment Period: Regulation V Summaries of Rights Under FCRA
- October 8, 2018: Comment Period: Covered Savings Associations Proposed Rule
- October 1, 2018: Comment Period: Repeal of FRB S.A.F.E. Act Regulations
- October 1, 2018: Comment Period: Amend Definition of HVCRE
- November 29, 2018: Comment Period: Request for Information on FDIC Communication and Transparency
- November 26, 2018: Comment Period: Actions To Support Interbank Settlement of Faster Payments
- November 29, 2018: Comment Period: Request for Information Regarding Bureau Data Collections
- November 26, 2018: Comment Period: Reduced Reporting for Covered Depository Institutions
- November 26, 2018: Comment Period: Applicability thresholds for regulatory capital and liquidity requirements
- December 4, 2018: Comment Period: Request for Information on Small-Dollar Lending
- February 5, 2019: Comment Period: Real Estate Appraisals
- April 8, 2019: Comment Period: Proposed Revisions to Prohibitions and Restrictions on Proprietary Trading and Certain Interests In, and Relationships With, Hedge Funds and Private Equity Funds
- April 8, 2019: Comment Period: Capital Simplification for Qualifying Community Banking Organizations
- April 8, 2019: Comment Period: FDIC Proposes Rule to Revise the Deposit Insurance Assessment System to Apply the Community Bank Leverage Ratio (CBLR) Framework
- April 8, 2019: Comment Period: Request for Information Regarding Consumer Credit Card Market
- April 8, 2019: Comment Period: Joint Ownership Deposit Accounts
- April 8, 2019: Comment Period: CFPB Requests Information Regarding PACE Financing
- April 8, 2019: Comment Period: Regulation D Reserve Requirements of Depository Institutions
- April 9, 2019: Comment Period: Overtime Proposed Rule
- April 9, 2019: Comment Period: Regular Rate Under the Fair Labor Standards Act
- April 8, 2019: Comment Period: Agencies Propose Rule to Reduce Impact of Large Bank Failures
- May 29, 2019: Comment Period: Agencies Issue Notice and Request for Comment Regarding Revisions to Three Call Reports
- April 26, 2019: Comment Period: Agencies Propose Rule to Amend Resolution Planning Requirements
- April 26, 2019: Comment Period: Resolution Plans Required for Insured Depository Institutions With $50 Billion or More in Total Assets
- June 5, 2019: Comment Period: Agencies Propose Rule to Determine the Applicability of Regulatory Capital Requirements to Intermediate Holding Companies in the U.S. of Foreign Banking Organizations
- May 7, 2019: Comment Period: OCC Proposes Rule to Clarify OREO Regulation
- May 7, 2019: Comment Period: RFI Regarding Potential Regulatory Changes to the Remittance Rule
- May 7, 2019: Comment Period: OCC Proposes Rule to Amend Definition of “Fiduciary Capacity”
- May 7, 2019: Comment Period: Regulatory Capital Rule Revisions
- May 28, 2019: Comment Period: Overdraft Rule Review Pursuant to the Regulatory Flexibility Act
- May 28, 2019: Comment Period: Potential modifications to the Federal Reserve Banks’ payment services
- May 28, 2019: Comment Period: Plan for the Review of Bureau Rules for Purposes of the Regulatory Flexibility Act
- July 15, 2019: Comment Period: OFAC Amendment of the Reporting, Procedures and Penalties Regulations
- June 17, 2019: Comment Period: RFI on FDIC Technical Assistance Offerings and Delivery
- June 28, 2019: Comment Period: Rules Regarding Availability of Information
- August 6, 2019: Comment Period: Treatment of Land Development Loans for the Definition of HVCRE
- August 5, 2019: Comment Period: Temporary GSE QM Loans Expiration
- August 19, 2019: Comment Period: CFPB Issues Advanced Notice of Proposed Rulemaking Regarding Qualified Mortgages
- May 28, 2019: Comment Period: Debt Collection Practices (Regulation F) *Extended*
- August 30, 2019: Comment Period: FDIC Issues Notice of Proposed Rulemaking to Amend Deposit Insurance Assessments
- May 28, 2019: Extended Comment Period: HMDA Data Points and Coverage ANPR
- May 28, 2019: Comment Period: Proposed Rule to Amend HMDA Thresholds *Extended*
- September 18, 2019: Comment Period: Interest Rate Restrictions on Institutions That Are Less Than Well Capitalized
- August 19, 2019: Comment Period: FRB Issues Notice and Request for Comment for Faster Payments Solution
- November 22, 2019: Comment Period: Agencies Propose Rule to Amend Capital Related Call Reporting Requirements
- October 25, 2019: Comment Period: Interagency Policy Statement on Allowances for Credit Losses
- October 25, 2019: Comment Period: Interagency Guidance on Credit Risk Review Systems
- November 22, 2019: Comment Period: USDA Establishment of a Domestic Hemp Production Program
- January 14, 2020: CFPB Issues Notice of Assessment and Request for Public Comment Regarding the Effectiveness of TRID
- March 30, 2020: Comment Period: Remittance Transfers Under Regulation E Proposed Rule
- February 26, 2020: Comment Period: RFI on FDIC Sign and Advertising Requirements and Potential Technological Solutions
- March 27, 2020: Comment Period: Proposal to modify Volcker rule ācovered fundsā restrictions
- January 9, 2020: Comment Period: Community Reinvestment Act Regulations
- February 27, 2020: Comment Period: FDIC Proposed Rule on Modernizing Advertising and Signage Requirements
- March 31, 2020: Comment Period: Interim Final Rule and Request for Comment to Revise CECL Implementation
- May 12, 2020: Comment Period: FDIC Issues Proposed Rule Regarding Mitigating the Deposit Insurance Assessment for Participating in PPP, PPPLF, and MMMFLF
- April 14, 2020: Comment Period: Federal Reserve Issues Interim Final Rule to Allow Revise Total Leverage Coverage
- April 17, 2020: Comment Period: Interim Final Rule and Request for Comment to Suspend Certain Appraisal and Evaluation Requirements
- May 6, 2020: Comment Period: Liquidity Coverage Ratio Rule
- April 23, 2020: Comment Period: Interim Final Rule and Request for Comment to Revise Community Bank Leverage Ratio Framework
- April 6, 2020: Comment Period: FDIC Extends Comment Period on Modernizing Brokered Deposit Restrictions
- June 15, 2020: Comment Period: Federal Reserve seeks public feedback on proposal to expand Main Street Lending Program to nonprofit organizations
- April 28, 2020: Comment Period: Regulation D Amendments
- April 15, 2020: Comment Period: PPP Interim Final Rule #1
- April 15, 2020: Comment Period: PPP Interim Final Rule #2
- May 28, 2020: Comment Period: OCC telephonic and electronic participation at all board of directors, shareholder, and as applicable, member, meetings
- May 14, 2020: Comment Period: FinCEN Issues Notice and Request for Comment Regarding the CTR Requirements
- June 1, 2020: Comment Period: Agencies Issue Interim Final Rule to Temporarily Amend the Supplementary Leverage Ratio Calculation
- June 24, 2020: Comment Period: OCC reduction in assessment fees
- May 26, 2020: Comment Period: FinCEN Issues Notice and Request for Comment Regarding the SAR Requirements
- July 7, 2020: Comment Period: Activities and Operations of National Banks and Federal Savings Associations
- June 4, 2020: Comment Period: National Bank and Federal Savings Association Digital Activities
- May 19, 2020: Comment Period: Debt Collection Practices (Regulation F); Extension of Comment Period
- June 22, 2020: Comment Period: Amendments to Facilitate the LIBOR Transition (Regulation Z)
- July 10, 2020: Comment Period: QM Definition Extension of Sunset Date
- July 16, 2020: Comment Period: Reg. O Interim Final Rule to extend PPP exception to August 8, 2020
- July 22, 2020: Comment Period: OCC Notice of Proposed Rule Making Regarding the “True Lender” Rule
- September 3, 2020: Comment Period: FDIC Issues Proposed Revisions to Statement of Policy
- August 30, 2019: Comment Period: HUD Issues Proposed Rule to Amend Disparate Impact Rule
- July 6, 2020: Comment Period: Proposed Flood Insurance FAQs
- July 10, 2020: Comment Period: General QM Loan Definition
- August 13, 2020: Comment Period: OCC Interim Final Rule Regarding Collective Investment Funds
- July 2, 2020: Comment Period: CFPB Proposed Rule and Request for Comment Regarding HPML Escrow Exemptions
- July 24, 2020: Comment Period: FDIC Issues Notice and Request for Information Regarding Third Party Models and Technologies Being Used by Banks
- September 3, 2020: Comment Period: CFPB Issues Proposed Rule and Request for Comment Regarding Seasoned QMs
- August 13, 2020: Comment Period: FinCEN Issues Notice and Request for Comment Regarding CIP Control Numbers
- August 13, 2020: Comment Period: FinCEN Issues Notice and Request for Comment Regarding AML Control Numbers
- September 3, 2020: Comment Period: FDIC Issues Proposed Revisions to Guidelines for Appeals of Material Supervisory Determinations
- September 3, 2020: Comment Period: CFPB Requests Information Regarding Consumer Credit Card Market
- September 3, 2020: Comment Period: CFPB Issues Notice of Section 610 Review and Request for Comment
- November 3, 2020: Comment Period: Agencies Issue Notice and Request for Comment Regarding Updated Flood Insurance FAQs_62620
- September 18, 2020: Comment Period: Agencies Issue Notice and Request for Comment Regarding Updated Flood Insurance FAQs
- November 3, 2020: Comment Period: Amendments to Capital Planning and Stress Testing Requirements
- August 3, 2020: Comment Period: CFPB Issues Notice and Request for Information Regarding Credit Discrimination
- February 9, 2021: Comment Period: FRB: Community Reinvestment Act
- February 9, 2021: Comment Period: Exemptions to Suspicious Activity Report Requirements
- February 23, 2021: Comment Period: Delayed Effective Date of Independent Contractor Status Under the Fair Labor Standards Act Final Rule
- February 23, 2021: Comment Period: BSA Requirements for Convertible Virtual Currency and Digital Assets
- February 22, 2021: Comment Period: PPP Interim Final Rules
- February 22, 2021: Comment Period: SBA Extends Participation in 8(a) Business Development Program
- February 22, 2021: Comment Period: OCC Issues Proposed Rule to Modify Requirements for Bank Premises
- February 22, 2021: Comment Period: FinCEN Seeks Comment on Information Collection for Purchases of Certain Bank Instruments.
- February 23, 2021: Comment Period: Amend Rule 144 Holding Period and Form Filings
- February 18, 2021: Comment Period: Agencies Propose Exemption to SAR Filings Paperwork Reduction Act
- February 22, 2021: Comment Period: Information Collection for Designation of Exempt Person Report
- February 9, 2021: Comment Period: Resolution Planning
- February 22, 2021: Comment Period: OCC Seeks Comment on Revision to Stress Testing Template and Documentation Information Collection
- February 22, 2021: Comment Period: FinCEN Extends Comment Period for Proposed Rule Regarding BSA Requirements for Convertible Virtual Currency and Digital Assets
- February 22, 2021: Comment Period: Requiring Additional Records be Made and Retained by Dealers in Foreign Exchange and by Brokers or Dealers in Securities
- February 22, 2021: Comment Period: FDIC Issues Proposed Rule to Rescind and Remove Transferred OTS Securities Offerings Regulations
- February 9, 2021: Comment Period: Computer-Security Incident Notification Requirements for Banking Organizations and Their Bank Service Providers
- May 10, 2021: Comment Period: Protections for Borrowers Affected by the Covid-19 Emergency Under the Real Estate Settlement Procedures Act, Regulation X
- May 10, 2021: Comment Period: Loans in Areas Having Special Flood Hazards; Interagency Questions and Answers Regarding Private Flood Insurance
- May 10, 2021: Comment Period: Debt Collection Practices (Regulation F); Delay of Effective Date
- May 10, 2021: Comment Period: Proposed Agency Information Collection Activities
- May 10, 2021: Comment Period: Financial Institutionsā Use of Artificial Intelligence, Including Machine Learning
- May 10, 2021: Comment Period: Extent to Which Model Risk Management Principles Support Compliance With Bank Secrecy Act/Anti-Money Laundering and Office of Foreign Assets
- June 3, 2021: Comment Period: Loans to Executive Officers, Directors, and Principal Shareholders of Member Banks
- June 3, 2021: False Advertising, Misrepresentation of Insured Status and Misuse of the FDIC’s Name or Logo
- June 3, 2021: Comment Period: FDIC Issues Request for Information on Digital Assets
- September 8, 2021: Comment Period: Proposed Interagency Guidance on Third-Party Risk and Risk Management
- September 9, 2021: Comment Period: Community Reinvestment Act Regulations September 8, 2021
- November 4, 2021: Comment Period: Small Business Lending Data Collection Under the Equal Credit Opportunity Act (Regulation B)
- March 23, 2022: Comments Due: Small Business Lending Data Collection Under the Equal Credit Opportunity Act
- November 22, 2021: Comment Period: Request for Information Regarding the HMDA Rule Assessment
- March 23, 2022: Comments Due: Request for Information Regarding the HMDA Rule Assessment
- February 3, 2022: Comments Due: Beneficial Ownership Information Reporting Requirements
- March 23, 2022: Comments Due: Beneficial Ownership Information Reporting Requirements Proposed Rule
- January 3, 2022: Comments Due: OCC Principles for Climate Risk
- March 23, 2022: Comments Due: FinCEN Request for Information on Modernization of U.S. AML/CFT Regulatory Regime
- January 3, 2022: Comments Due: BIS Consultative Document on Principles for the Effective Management and Supervision of Climate-Related Financial Risks
- March 23, 2022: Comments Due: Anti-Money Laundering Regulations for Real Estate Transactions Advance Notice of Proposed Rulemaking
- March 23, 2022: Comments Due: OCC Request for Comment on renewal of its āReverse Mortgage Products: Guidance for Managing Compliance and Reputation Risksā (Guidance)
- March 23, 2022: Comments Due: Proposed Pilot Program on Sharing of SARs and Related Information With Foreign Branches, Subsidiaries, and Affiliates
- March 23, 2022: Comments Due: FRB Framework for the Supervision of Insurance Organizations
- March 23, 2022: Comments Due: Request for Information Regarding Fees Imposed by Providers of Consumer Financial Products or Services
- March 23, 2022: Comments Due: Guidelines for Evaluating Account and Services Requests
- August 2, 2022: Proposed policy statement with request for comment: Policy Statement on Prudent Commercial Real Estate Loan Accommodations and Workouts
- February 17, 2023: Comment Period: Guidelines for Evaluating Account and Services Requests
- February 17, 2023: Comment Period: Intent to Make Preemption Determination under the Truth in Lending Act (Regulation Z)
- February 17, 2023: Comment Period: Resolution-Related Resource Requirements for Large Banking Organizations
- February 17, 2023: Comment Period: Principles for Climate-Related Financial Risk Management for Large Financial Institutions
- February 17, 2023: Comment Period: Unfair or Deceptive Fees Trade Regulation Rule Commission
- February 17, 2023: Comment Period: Trade Regulation Rule on the Use of Reviews and Endorsements
- February 17, 2023: Comment Period: Beneficial Ownership Information Access and Safeguards, and Use of FinCEN Identifiers for Entities
- February 17, 2023: Comment Period: Expansion of the COVID-19 Recovery Loss Mitigation Options
- February 17, 2023: Comment Period: Strengthening the Section 184 Indian Home Loan Guarantee Program
- January 30, 2023: Comment Period: Non-Compete Clause Rule
- January 30, 2023: Comment Period: Registry of Supervised Nonbanks that Use Form Contracts to Impose Terms and Conditions that Seek to Waive or Limit Consumer Legal Protections
- February 22, 2023: Comment Period: Bank Secrecy Act Advisory Group; Solicitation of Application for Membership
- March 10, 2023: Comment Period: Bank Secrecy Act Advisory Group; Solicitation of Application for Membership
- January 30, 2023: Comment Period: Agency Information Collection Activities; Proposed Collection; Comment Request; Individual FinCEN Identifiers
- January 30, 2023: Comment Period: Agency Information Collection Activities; Proposed Collection; Comment Request; Beneficial Ownership Information Reports
- March 10, 2023: Comment Period: Federal Home Loan Bank Community Support Program-Opportunity To Comment on Members Subject to Review
- February 17, 2023: Comment Period: Use of an Electronic Medium To Make Participant Elections and Spousal Consents
- February 17, 2023: Comment Period: Indorsement and Payment of Checks Drawn on the United States Treasury
- February 17, 2023: Comment Period: Credit Card Penalty Fees (Regulation Z)
- February 17, 2023: Comment Period: FDIC Official Sign and Advertising Requirements, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC’s Name or Logo
- April 7, 2023: Comment Period: Trade Regulation Rule on Impersonation of Government and Businesses
- February 22, 2023: Comment Period: Request for Information Regarding Rehabilitation Mortgages
- March 10, 2023: Comment Period: Request for Information Regarding Rehabilitation Mortgages
- February 17, 2023: Comment Period: Request for Information Regarding Consumer Credit Card Market
- March 10, 2023: Comment Period: Proposed Agency Information Collection Activities; Comment Request
- April 7, 2023: Comment Period: National Standards for the Physical Inspection of Real Estate and Associated Protocols, Proposed Scoring Notice
- March 24, 2023: Comment Period: Regulation Z’s Mortgage Loan Originator Rules Review Pursuant to the Regulatory Flexibility Act
- April 7, 2023: Comment Period: Credit Card Penalty Fees (Regulation Z)
- March 24, 2023: Comment Period: Agency Information Collection Activities
- March 24, 2023: Comment Period: Agency Information Collection Activities
- May 12, 2023: Comment Period: Facilitating the LIBOR Transition Consistent with the LIBOR Act (Regulation Z)
- June 23, 2023: Comment Period: Electronic Submission of Certain Materials Under the Securities Exchange Act of 1934; Amendments Regarding the FOCUS Report
- April 28, 2023: Comment Period: Regulation S-P: Privacy of Consumer Financial Information and Safeguarding Customer Information
- March 24, 2023: Comment Period: Request for Information Regarding Data Brokers and Other Business Practices Involving the Collection and Sale of Consumer Information
- June 2, 2023: Comment Period: ACH RISK MANAGEMENT PROPOSALS 2023
- May 12, 2023: Comment Period: Negative Option Rule
- May 12, 2023: Comment Period: Fair Lending, Fair Housing, and Equitable Housing Finance Plans
- July 21, 2023: Comment Period: Agency Information Collection Activities; Submission for OMB Review; Comment Request
- August 11, 2023: Comment Period: Covered Clearing Agency Resilience and Recovery and Wind-Down Plans
- May 12, 2023: Comment Period: Residential Property Assessed Clean Energy Financing (Regulation Z)
- August 11, 2023: Comment Period: Improving Access to Public Benefit Programs
- August 11, 2023: Comment Period: FHFA Requests Input on the Enterprisesā Single-Family Pricing Framework
- August 11, 2023: Comment Period: Daily Computation of Customer and Broker-Dealer Reserve Requirements under the Broker-Dealer Customer Protection Rule
- August 11, 2023: Comment Period: Suspended Counterparty Program
- August 18, 2023: Comment Period: FTC and DOJ Seek Comment on Draft Merger Guidelines
- July 21, 2023: Comment Period: Interagency Guidance on Reconsiderations of Value of Residential Real Estate Valuations
- September 8, 2023: Comment Period: Exemption for Certain Investment Advisers Operating Through the Internet
- July 21, 2023: Comment Period: Request for Information on Annual Consumer Trust in Banking Survey
- November 10, 2023: Comment Period: Notice of Proposed Rulemaking to Revise FDIC Regulations Concerning Section 19 of the Federal Deposit Insurance Act
- September 8, 2023: Comment Period: Gross Proceeds and Basis Reporting by Brokers and Determination of Amount Realized and Basis for Digital Asset Transactions
- October 13, 2023: Comment Period: Agency Information Collection Activities; Submission for OMB Review; Comment Request; Beneficial Ownership Information Reports
- October 13, 2023: Comment Period: Beneficial Ownership Information Reporting Deadline Extension for Reporting Companies Created or Registered in 2024
- October 13, 2023: Comment Period: Proposed Agency Information Collection Activities; Comment Request
- August 18, 2023: Comment Period: Regulatory Capital Rule: Risk-Based Capital Surcharges for Global Systemically Important Bank Holding Companies; Systemic Risk Report (FR Y-15)
- September 8, 2023: Comment Period: Guidance for Resolution Plan Submissions of Domestic Triennial Full Filers
- September 8, 2023: Comment Period: Long-term Debt Requirements for Large Bank Holding Companies, Certain Intermediate Holding Companies of Foreign Banking Organizations, and Large Insured Depository Institutions
- November 10, 2023: Comment Period: Required Rulemaking on Personal Financial Data Rights
- November 17, 2023: Comment Period: Retirement Security Rule: Definition of an Investment Advice Fiduciary
- November 17, 2023: Comment Period: Removing Criminal Conviction Restrictions for Testers in FHIP- and FHAP-Funded Testing Programs
- November 17, 2023: Comment Period: Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications
- December 29, 2023: Comment Period: Regulatory capital rule: Amendments applicable to large banking organizations and to banking organizations with significant trading activity
- November 10, 2023: Comment Period: Proposal of Special Measure Regarding Convertible Virtual Currency Mixing, as a Class of Transactions of Primary Money Laundering Concern
- January 12, 2024: Comment Period: Trade Regulation Rule on Unfair or Deceptive Fees
- December 29, 2023: Comment Period: Guidelines Establishing Standards for Corporate Governance and Risk Management for Covered Institutions With Total Consolidated Assets of $10 Billion or More
- January 12, 2024: Comment Period: Request for Information on Financial Inclusion
- January 12, 2024: Comment Period: Proposed Agency Information Collection Activities
- February 2, 2024: Comment Period: Children’s Online Privacy Protection Rule
- February 2, 2024: Comment Period: Fees for Instantaneously Declined Transactions
- February 23, 2024: Comment Period: Proposed Agency Information Collection Activities
- February 2, 2024: Comment Period: Overdraft Lending: Very Large Financial Institutions
- February 23, 2024: Comment Period: Agency Information Collection Activities; Proposed Collection; Comment Request; Beneficial Ownership Information Requests
- February 23, 2024: Comment Period: Agency Information Collection Activities; Proposed Renewal; Comment Request; Renewal Without Change of Reports of Transactions in Currency Regulations and FinCEN Form 112-Currency Transaction Report
- February 23, 2024: Comment Period: Financial Crimes Enforcement Network: Anti-Money Laundering/Countering the Financing of Terrorism Program and Suspicious Activity Report Filing Requirements for Registered Investment Advisers and Exempt Reporting Advisers
- February 23, 2024: Comment Period: Business Combinations Under the Bank Merger Act
- February 23, 2024: Comment Period: Anti-Money Laundering Regulations for Residential Real Estate Transfers
- February 23, 2024: Comment Period: National Flood Insurance Program: Standard Flood Insurance Policy, Homeowner Flood Form
- March 8, 2024: Agency Information Collection Activities; Proposed Renewal; Comment Request; Renewal Without Change of Bank Secrecy Act Regulations Requiring Reports of Certain Domestic Transactions
- March 8, 2024: Agency Information Collection Activities; Proposed Renewal; Comment Request; Renewal Without Change of the Beneficial Ownership Requirements for Legal Entity Customers
- February 23, 2024: Comment Period: Regulatory Publication and Review Under the Economic Growth and Regulatory Paperwork Reduction Act of 1996
- February 2, 2024: Comment Period: Debit Card Interchange Fees and Routing