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Minutes of the Financial Stability Oversight Council
Held June 24, 2016
PRESENT:
Jacob J. Lew, Secretary of the Treasury and Chairperson of the Financial Stability Oversight
Council (Council)
Janet L. Yellen, Chair, Board of Governors of the Federal Reserve System (Federal Reserve)
Martin J. Gruenberg, Chairperson, Federal Deposit Insurance Corporation (FDIC)
Mary Jo White, Chair, Securities and Exchange Commission (SEC)
Timothy Massad, Chairman, Commodity Futures Trading Commission (CFTC)
Richard Cordray, Director, Consumer Financial Protection Bureau (CFPB)
Melvin Watt, Director, Federal Housing Finance Agency (FHFA)
Thomas J. Curry, Comptroller of the Currency, Office of the Comptroller of the Currency (OCC)
Rick Metsger, Chairman, National Credit Union Administration (NCUA)
Roy Woodall, Independent Member with Insurance Expertise
Richard Berner, Director, Office of Financial Research (OFR), Department of the Treasury (nonvoting member)
Michael McRaith, Director, Federal Insurance Office, Department of the Treasury (non-voting
member)
John P. Ducrest, Commissioner, Louisiana Office of Financial Institutions (non-voting member)
Adam Hamm, Commissioner, North Dakota Insurance Department (non-voting member)
Melanie Lubin, Securities Commissioner, Maryland Office of the Attorney General, Securities
Division (non-voting member)
GUESTS:
Department of the Treasury (Treasury)
Sarah Bloom Raskin, Deputy Secretary of the Treasury
Antonio Weiss, Counselor to the Secretary
Patrick Pinschmidt, Deputy Assistant Secretary and Executive Director of the Council
Eric Froman, Deputy Assistant General Counsel for the Council
Mark Kaufman, Counselor to the Deputy Secretary
Jonah Crane, Senior Advisor, Office of Domestic Finance
Board of Governors of the Federal Reserve System
Daniel Tarullo, Governor
Nellie Liang, Director, Office of Financial Stability Policy and Research
Federal Deposit Insurance Corporation
Jason Cave, Special Advisor to the Chairman for Supervisory Matters
Securities and Exchange Commission
Michael Liftik, Deputy Chief of Staff

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Commodity Futures Trading Commission
Lawranne Stewart, Special Counsel
Consumer Financial Protection Bureau
Ron Borzekowski, Assistant Director for Research
Comptroller of the Currency
Grace Dailey, Senior Deputy Comptroller for Bank Supervision Policy and Chief National Bank
Examiner
National Credit Union Administration
Ralph Monaco, Chief Economist
Office of the Independent Member with Insurance Expertise
Diane Fraser, Senior Policy Advisor
Federal Reserve Bank of New York
William Dudley, President and Chief Executive Officer
Sandra Lee, Director, Policy and Financial Services Strategy Office
Office of Financial Research
Stacey Schreft, Deputy Director for Research and Analysis
Federal Insurance Office
Steven Seitz, Deputy Director (Financial Stability)
Louisiana Office of Financial Institutions
Jim Cooper, Senior Vice President for Policy, Conference of State Bank Supervisors
North Dakota Insurance Department
Mark Sagat, Counsel and Manager, Financial Policy and Legislation, National Association of
Insurance Commissioners
Maryland Office of the Attorney General, Securities Division
Christopher Staley, Counsel, North American Securities Administrators Association
PRESENTERS:
Update on Market Developments
• Ramin Toloui, Assistant Secretary for International Finance, Treasury
• Daleep Singh, Acting Assistant Secretary for Financial Markets, Treasury

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Executive Session
The Chairperson called the executive session of the meeting of the Council to order at
approximately 4:33 P.M. (EDT). The meeting was conducted by teleconference to discuss the
United Kingdom (U.K.) referendum on membership in the European Union.
The Chairperson introduced Ramin Toloui, Assistant Secretary for International Finance at Treasury.
Mr. Toloui described market reactions since the announcement that the outcome of the U.K.
referendum on membership in the European Union was to leave the European Union. He explained
that the outcome of the referendum was a surprise to the markets and had caused large movements in
foreign exchange rates and European stock prices, including the stock prices of European financial
institutions. He noted that market functioning had nonetheless been orderly. He described
Treasury’s coordination with its international counterparts, including the Group of Seven, and noted
the resulting communication, as well as other official-sector communications. He also noted that
Treasury would continue to closely monitor developments related to the U.K. referendum.
The Chairperson then turned to Daleep Singh, Acting Assistant Secretary for Financial Markets at
Treasury. He noted U.S. markets had been operating normally and that there had been orderly
market functioning, with no disruptions of the opening or closing of equity markets, despite high
trading volumes.
Members of the Council then asked questions and had a discussion about their observations
regarding the effects of the U.K. referendum on markets and market participants, including bank
holding companies, insurance companies, and securities and derivatives markets. Council members
noted that there had been significant market volatility but that market functioning had been orderly,
with no reports of significant trading halts or breakdowns. Council members also discussed the
coordination among Council member agencies and their communications with their foreign
counterparts, including U.K. authorities. In addition, Council members noted that they intended to
monitor both the short-term effects of the outcome of the referendum and also any long-term market,
economic, or political impacts.

The Chairperson adjourned the meeting at approximately 5:03 P.M. (EDT).

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