does regulation o apply to family members 
shares owned or controlled by immediate family members are attributed to the insider individual such immediate family members are limited to a spouse and minor or adult children living with the insider the bottom lineregulation o prohibits lenders from extending unfair or favorable terms to bank insiders at the expense of others it is conceivable that a bank or bank employee could attempt to give their own preferential or special treatment such as lower interest rates reduced fees more flexible repayment terms or more cursory credit checks reg o prohibits such practices 