5  See Federal Register notices for Regulation Z, Truth in Lending Act, (12 CFR Part 226), February 22, 2010, vol. 75, no. 34, p. 7925; and Regulation AA, Unfair or Deceptive Acts or Practices, (12 CFR Part 227), February 22, 2010, vol. 75, no. 34, pp. 7925–26.
The aim is to give more flexibility to the CBBH so that it can react to prompt changes in the surrounding;  –  harmonization aimed at adjusting the regulations on the required reserve to the European standards; and  –  financial stability, meaning that global financial stability should be increased by means of banks' required reserves.