Regulatory Reporting Submission (Call, FR Y-9C, FFIEC 031) — impact tolerance ≤ filing deadline — ITOL

Impact tolerance: ≤ filing deadline — any missed deadline is a breach; late-filing penalties and supervisory action follow (illustrative default — trace the derivation, then replace with your own harm analysis)

Definition: Produce and submit quarterly and monthly regulatory reports to the Fed, OCC, FDIC, and FFIEC on schedule.

Why it is designated: Statutory deadlines (30-day Call Report, 40/45-day FR Y-9C) are hard boundaries. Late filing triggers automatic supervisory attention and civil money penalties.