Which of the following types of security devices is required for each bank, at minimum, under the Bank Protection Act?

The implementing regulations for the Bank Protection Act specify minimum standards for security devices. Appendix B of 12 CFR Part 326 mandates that the banking office must be equipped with "locks on all exterior doors and on all exterior windows that may be opened." While other devices like guards, thicker vault doors, or bullet-proof glass are considered based on a risk assessment of the specific institution and its location, tamper-resistant locks on exterior openings are a baseline requirement for the physical security of the premises.

A. The use of security guards is a consideration based on the bank's specific circumstances, not a universal minimum requirement.
C. Specific vault construction standards are required for vaults, but not every bank facility has a vault, whereas all have exterior doors and windows.
D. Bullet-proof glass is a security enhancement to be considered where appropriate, but it is not a minimum requirement for all windows in every bank.

- Code of Federal Regulations, Title 12, Part 326, Appendix B, "Minimum Security Devices." Section II.A.1 states the requirement for locks on exterior doors and windows. (FDIC)

- Code of Federal Regulations, Title 12, Part 21, Appendix B, "Minimum Security Devices." Section II.A.1 contains the same requirement for national banks. (OCC)

- Federal Reserve System, "Bank Protection Act," SR 99-20 (SUP), (July 29, 1999). This supervisory letter references the minimum security device standards in the regulation.