{"description":"Documents matching 'security related challenges community banks'","count":3163,"total_pages":50,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=security+related+challenges+community+banks&format=json&page=2","results":[{"title":"Request for Information Regarding Community Banks' Engagement With Core Service Providers and Other Essential Third-Party Service Providers","type":"Notice","abstract":"The OCC is issuing a request for information (RFI) on community bank engagement with their core service providers and other essential third-party service providers. The RFI seeks to better understand how challenges community banks face with such service providers affect these banks' abilities to remain competitive in a rapidly evolving marketplace, as well as what actions the OCC can take to address any of these challenges.","document_number":"2025-21333","html_url":"https://www.federalregister.gov/documents/2025/11/28/2025-21333/request-for-information-regarding-community-banks-engagement-with-core-service-providers-and-other","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-11-28/pdf/2025-21333.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-21333.pdf?1764164713","publication_date":"2025-11-28","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"}],"excerpts":"authority complicate <span class=\"match\">challenges</span> <span class=\"match\">community</span> <span class=\"match\">banks</span> face in this area? \n 3. What <span class=\"match\">challenges</span> have <span class=\"match\">community</span> <span class=\"match\">banks</span> faced, or do they expect to face, in relation to their core service providers and other essential third-party service providers in responding to developments in artificial intelligence? How might the OCC address those concerns through regulatory and supervisory authority? How might the exercise of OCC regulatory or supervisory authority complicate <span class=\"match\">challenges</span> <span class=\"match\">community</span> <span class=\"match\">banks</span> face in this area? \n 4. What <span class=\"match\">challenges</span> do <span class=\"match\">community</span> <span class=\"match\">banks</span> face in verifying"},{"title":"Community Reinvestment Act: Simplified Strategic Plan Process for Community Banks","type":"Proposed Rule","abstract":"The Office of the Comptroller of the Currency (OCC or agency) is proposing supplemental guidance on a simplified strategic plan process for community banks interested in requesting that the OCC evaluate their Community Reinvestment Act (CRA) performance under a strategic plan. The proposed simplified strategic plan process is designed to make the strategic plan option more accessible to and less burdensome for community banks.","document_number":"2025-23547","html_url":"https://www.federalregister.gov/documents/2025/12/22/2025-23547/community-reinvestment-act-simplified-strategic-plan-process-for-community-banks","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-22/pdf/2025-23547.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-23547.pdf?1766151917","publication_date":"2025-12-22","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"}],"excerpts":"regulatory burden for all <span class=\"match\">community</span> <span class=\"match\">banks</span>—from the smallest retail <span class=\"match\">community</span> <span class=\"match\">banks</span> to larger, non-traditional <span class=\"match\">community</span> <span class=\"match\">banks</span> that offer their products and services through the internet.\n \n \n \n 36 \n  As of April 23, 2025, the OCC had 14 <span class=\"match\">banks</span> with approved strategic plans. Of these <span class=\"match\">banks</span> (1) 10 <span class=\"match\">banks</span> had their initial strategic plan approved by the OCC in 2020 or later; (2) 10 <span class=\"match\">banks</span> had assets of up to $30 billion; and (3) 12 <span class=\"match\">banks</span> were non-traditional <span class=\"match\">banks</span> (\n i.e., \n <span class=\"match\">banks</span> with business models that generally are not branch-based or do not focus on extending"},{"title":"Regulatory Capital Rule: Community Bank Leverage Ratio Framework","type":"Rule","abstract":"The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation are adopting a final rule that lowers the community bank leverage ratio (CBLR) requirement from 9 percent to 8 percent, consistent with the lower bound provided in section 201 of the Economic Growth, Regulatory Relief, and Consumer Protection Act. The final rule also extends the length of time that certain depository institutions and depository institution holding companies can remain in the CBLR framework while not meeting all of the qualifying criteria for the CBLR framework from two consecutive quarters to four consecutive quarters, subject to a limit of eight quarters in the previous five- year period.","document_number":"2026-08298","html_url":"https://www.federalregister.gov/documents/2026/04/29/2026-08298/regulatory-capital-rule-community-bank-leverage-ratio-framework","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-29/pdf/2026-08298.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-08298.pdf?1777380314","publication_date":"2026-04-29","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"excerpts":"requirement reverted to 9 percent on January 1, 2022.\n \n \n \n 17 \n  “<span class=\"match\">Community</span> <span class=\"match\">Bank</span> Leverage Ratio Framework: Interagency Statement,” OCC Bulletin 2021-66 (Dec. 21, 2021); “Interagency Statement on the <span class=\"match\">Community</span> <span class=\"match\">Bank</span> Leverage Ratio Framework,” SR Letter 21-21 (Dec. 21, 2021); “Interagency Statement on the <span class=\"match\">Community</span> <span class=\"match\">Bank</span> Leverage Ratio Framework,” FIL-81-2021 (Dec. 21, 2021).\n \n \n II. Experience With the <span class=\"match\">Community</span> <span class=\"match\">Bank</span> Leverage Ratio \n The CBLR framework is intended to provide qualifying <span class=\"match\">community</span> banking organizations the option to use a simpler, less burdensome"},{"title":"Regulatory Capital Rule: Revisions to the Community Bank Leverage Ratio Framework","type":"Proposed Rule","abstract":"The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation are inviting public comment on a notice of proposed rulemaking (proposal) that would lower the community bank leverage ratio (CBLR) requirement for certain depository institutions and depository institution holding companies from 9 percent to 8 percent, consistent with the lower bound provided in section 201 of the Economic Growth, Regulatory Relief, and Consumer Protection Act. The proposal would also extend the length of time that certain depository institutions or depository institution holding companies can remain in the CBLR framework while not meeting all of the qualifying criteria for the CBLR framework from two quarters to four quarters, subject to a limit of eight quarters in any five-year period.","document_number":"2025-21625","html_url":"https://www.federalregister.gov/documents/2025/12/01/2025-21625/regulatory-capital-rule-revisions-to-the-community-bank-leverage-ratio-framework","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-01/pdf/2025-21625.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-21625.pdf?1764337517","publication_date":"2025-12-01","agencies":[{"raw_name":"DEPARTMENT OF TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"excerpts":"2022.\n \n \n \n 16 \n  “<span class=\"match\">Community</span> <span class=\"match\">Bank</span> Leverage Ratio Framework: Interagency Statement,” OCC Bulletin 2021-66 (Dec. 21, 2021); “Interagency Statement on the <span class=\"match\">Community</span> <span class=\"match\">Bank</span> Leverage Ratio Framework,” SR Letter 21-21 (Dec. 21, 2021); “Interagency Statement on the <span class=\"match\">Community</span> <span class=\"match\">Bank</span> Leverage Ratio Framework,” FIL-81-2021 (Dec. 21, 2021).\n \n \n \n II. Experience With the <span class=\"match\">Community</span> <span class=\"match\">Bank</span> Leverage Ratio \n As stated in the 2019 final rule, the CBLR framework is intended to provide a simple measure of capital adequacy for qualifying <span class=\"match\">community</span> banking organizations"},{"title":"Request for Information and Comment on the Future of the Federal Reserve Banks' Check Services","type":"Notice","abstract":"The Board of Governors of the Federal Reserve System (Board) seeks public input on questions related to the future of the Federal Reserve Banks' (Reserve Banks') check services. The Board will use responses to this request for information (RFI) to assess possible strategies for the future of the Reserve Banks' check services, including potentially substantial changes that may have longer run effects on the payments system. In addition, the Board will use responses to this RFI to analyze other actions that the Federal Reserve System could consider with respect to checks, in partnership with the industry, to support the overall safety and efficiency of the payments system.","document_number":"2025-22272","html_url":"https://www.federalregister.gov/documents/2025/12/09/2025-22272/request-for-information-and-comment-on-the-future-of-the-federal-reserve-banks-check-services","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-09/pdf/2025-22272.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-22272.pdf?1765201508","publication_date":"2025-12-09","agencies":[{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"}],"excerpts":"collection or return through the Reserve <span class=\"match\">Banks</span>. \n The Future of the Reserve <span class=\"match\">Banks</span>' Check Services \n \n As the total number of checks processed by the Reserve <span class=\"match\">Banks</span> declines, the long-term viability of the Reserve <span class=\"match\">Banks</span>' check services is increasingly at risk. To maintain efficiency, the Reserve <span class=\"match\">Banks</span> significantly reduced their operational footprint between 1979 and 2010, cutting the number of check-processing centers from 48 to one.\n 29 \n \n Today, however, the remaining expenditures for the Reserve <span class=\"match\">Banks</span>' check services are largely fixed infrastructure"},{"title":"Medicaid Program; Community Engagement Requirement for Certain Individuals","type":"Rule","abstract":"This interim final rule with comment period (IFC) interprets and implements the community engagement requirement in Medicaid under section 1902(xx) of the Social Security Act. States are required to implement the new requirement no later than January 1, 2027. This IFC specifies the requirements and expectations for States, including the Medicaid applicants and beneficiaries who must demonstrate community engagement as a condition of their eligibility, the types of qualifying activities that satisfy the community engagement requirement, the criteria to meet an exception from the requirement (that is, be deemed compliant), and the criteria to meet a specified exclusion from the requirement. It also specifies requirements for verification of qualifying activities, outreach to affected populations, steps States must take if they determine individuals are noncompliant, and additional operational considerations for States. Finally, this IFC specifies implementation timing and establishes new State reporting requirements.","document_number":"2026-11094","html_url":"https://www.federalregister.gov/documents/2026/06/03/2026-11094/medicaid-program-community-engagement-requirement-for-certain-individuals","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-06-03/pdf/2026-11094.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-11094.pdf?1780346707","publication_date":"2026-06-03","agencies":[{"raw_name":"DEPARTMENT OF HEALTH AND HUMAN SERVICES","name":"Health and Human Services Department","id":221,"url":"https://www.federalregister.gov/agencies/health-and-human-services-department","json_url":"https://www.federalregister.gov/api/v1/agencies/221","parent_id":null,"slug":"health-and-human-services-department"},{"raw_name":"Centers for Medicare & Medicaid Services","name":"Centers for Medicare & Medicaid Services","id":45,"url":"https://www.federalregister.gov/agencies/centers-for-medicare-medicaid-services","json_url":"https://www.federalregister.gov/api/v1/agencies/45","parent_id":221,"slug":"centers-for-medicare-medicaid-services"}],"excerpts":"2(h), while <span class=\"match\">community</span> service should serve a useful <span class=\"match\">community</span> purpose, we also acknowledge that when completing <span class=\"match\">community</span> service, there can be other activities embedded within the <span class=\"match\">community</span> service work that an individual performs under the auspices \n \n of a public or nonprofit organization. These embedded activities allow an individual to develop necessary skills so that they can complete the <span class=\"match\">community</span> service. Because these activities help an individual complete the <span class=\"match\">community</span> service, we have included them in the definition of <span class=\"match\">community</span> service."},{"title":"Request for Information on Industrial Banks and Industrial Loan Companies and Their Parent Companies","type":"Notice","abstract":"The Federal Deposit Insurance Corporation (FDIC) is soliciting comments from interested parties on the FDIC's approach to evaluating the statutory factors applicable to certain filings submitted by industrial banks and industrial loan companies.","document_number":"2025-13589","html_url":"https://www.federalregister.gov/documents/2025/07/21/2025-13589/request-for-information-on-industrial-banks-and-industrial-loan-companies-and-their-parent-companies","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-07-21/pdf/2025-13589.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-13589.pdf?1752842709","publication_date":"2025-07-21","agencies":[{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"excerpts":"section 106 of the BHCA, an industrial <span class=\"match\">bank</span> is treated as a “<span class=\"match\">bank</span>” and is subject to the anti-tying restrictions therein. \n See \n 12 U.S.C. 1843(h)(1).\n \n \n \n \n 6 \n  \n See \n 12 CFR 337.3.\n \n \n A. The Industrial <span class=\"match\">Bank</span> Charter \n \n Under the Federal Deposit Insurance Act (FDI Act), industrial <span class=\"match\">banks</span> are “State <span class=\"match\">banks</span>,” \n 7 \n \n and all the existing FDIC-insured industrial <span class=\"match\">banks</span> are “State nonmember <span class=\"match\">banks</span>.” \n 8 \n \n As a result, the FDIC is the appropriate Federal banking agency for industrial <span class=\"match\">banks</span>.\n 9 \n \n Each industrial <span class=\"match\">bank</span> is also regulated by its respective"},{"title":"Anti-Money Laundering and Countering the Financing of Terrorism Programs","type":"Proposed Rule","abstract":"The Office of the Comptroller of the Currency (OCC), Federal Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA) (collectively, \"the Agencies\" or \"Agency\" when referencing the singular) are inviting comment on a proposed rule that would require banks to establish and maintain effective anti-money laundering and countering the financing of terrorism (AML/CFT) programs reasonably designed to identify, assess, and mitigate risks of illicit finance. The amendments are intended to align with changes that are being concurrently proposed by the Financial Crimes Enforcement Network (FinCEN) to implement provisions of the Anti-Money Laundering Act of 2020 (AML Act). Among other changes, this proposed rule would ensure that institutions establish and maintain effective AML/CFT programs that are intended to better achieve the purposes of the Bank Secrecy Act (BSA), culminating in the development of highly useful information related to illicit financial transactions for law enforcement and national security agencies. Through this rulemaking, the Agencies also intend to modernize and reform Federal supervision of AML/CFT programs by enhancing FinCEN's role in AML/CFT supervision and enforcement.","document_number":"2026-06948","html_url":"https://www.federalregister.gov/documents/2026/04/10/2026-06948/anti-money-laundering-and-countering-the-financing-of-terrorism-programs","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-10/pdf/2026-06948.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-06948.pdf?1775738713","publication_date":"2026-04-10","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"},{"raw_name":"NATIONAL CREDIT UNION ADMINISTRATION","name":"National Credit Union Administration","id":335,"url":"https://www.federalregister.gov/agencies/national-credit-union-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/335","parent_id":null,"slug":"national-credit-union-administration"}],"excerpts":"FinCEN concerning the effectiveness of the <span class=\"match\">bank's</span> AML/CFT program. \n By explicitly defining the requirements for a <span class=\"match\">bank</span> to establish and maintain an effective AML/CFT program, and by standardizing the AML/CFT supervision and enforcement process for <span class=\"match\">banks</span> and across the Agencies, the proposed rule is expected to better achieve the purposes of the BSA, culminating in the development of highly useful information <span class=\"match\">related</span> to illicit financial transactions for <span class=\"match\">banks</span> and law enforcement and national <span class=\"match\">security</span> agencies. However, the Agencies do not intend"},{"title":"Federal Home Loan Bank System Boards of Directors and Executive Management","type":"Proposed Rule","abstract":"The Federal Housing Finance Agency (FHFA or the Agency) is proposing to revise regulations addressing boards of directors and overall corporate governance of the Federal Home Loan Banks (Banks) and the Bank System's Office of Finance (OF) to update and clarify regulatory requirements on a variety of topics including: FHFA's annual designation of Bank directorships; Bank director eligibility and professional qualifications; nomination, election, and removal of Bank directors; the conduct of System board and committee meetings; conflicts of interest; and the respective responsibilities of System boards of directors and executive management.","document_number":"2024-24767","html_url":"https://www.federalregister.gov/documents/2024/11/04/2024-24767/federal-home-loan-bank-system-boards-of-directors-and-executive-management","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-11-04/pdf/2024-24767.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-24767.pdf?1730465115","publication_date":"2024-11-04","agencies":[{"raw_name":"FEDERAL HOUSING FINANCE AGENCY","name":"Federal Housing Finance Agency","id":174,"url":"https://www.federalregister.gov/agencies/federal-housing-finance-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/174","parent_id":null,"slug":"federal-housing-finance-agency"}],"excerpts":"additional information.\n \n II. Background \n A. Statutory Requirements on <span class=\"match\">Bank</span> System Governance \n The <span class=\"match\">Bank</span> System consists of eleven district <span class=\"match\">Banks</span> and the OF. The <span class=\"match\">Banks</span> are wholesale, cooperatively owned financial institutions, the debt of which is the joint and several obligation of all eleven <span class=\"match\">Banks</span>. They are organized under authority of the Federal Home Loan <span class=\"match\">Bank</span> Act (<span class=\"match\">Bank</span> Act) to serve the public interest by enhancing the availability of residential housing finance and <span class=\"match\">community</span> lending credit through their member institutions and, to a very limited"},{"title":"Regulatory Capital Rule: Modifications to the Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Their Subsidiary Depository Institutions; Total Loss-Absorbing Capacity and Long-Term Debt Requirements for U.S. Global Systemically Important Bank Holding Companies","type":"Proposed Rule","abstract":"The Office of the Comptroller of the Currency (OCC), Board of Governors of the Federal Reserve System (Board), and Federal Deposit Insurance Corporation (FDIC) are inviting public comment on a notice of proposed rulemaking (proposal) to modify the enhanced supplementary leverage ratio standards applicable to U.S. bank holding companies identified as global systemically important bank holding companies (GSIBs) and their depository institution subsidiaries. Specifically, the proposal would modify the enhanced supplementary leverage ratio buffer standard applicable to GSIBs to equal 50 percent of the bank holding company's method 1 surcharge as determined by the Board's GSIB risk-based capital surcharge framework. The proposal would also modify the enhanced supplementary leverage ratio standard for depository institution subsidiaries of GSIBs to have the same form and calibration as the GSIB parent level standard. The proposed modifications would help ensure that the enhanced supplementary leverage ratio standards serve as a backstop to risk-based capital requirements rather than as a constraint that is frequently binding over time and through most points in the economic and credit cycle, thus reducing potential disincentives for GSIBs and their depository institution subsidiaries to participate in low-risk, low-return businesses. The Board is also proposing to amend its total loss-absorbing capacity and long-term debt requirements to maintain alignment between these requirements and the enhanced supplementary leverage ratio standards. The OCC is proposing to revise the methodology it uses to identify which national banks and Federal savings associations are subject to the enhanced supplementary leverage ratio standards to better align with the agencies' regulatory tailoring framework for large banking organizations and ensure that the standards apply only to those national banks and Federal savings associations that are subsidiaries of a GSIB. The Board is also proposing to make conforming amendments to relevant regulatory reporting forms. The Board and FDIC are also proposing to make certain technical corrections to the capital rule.","document_number":"2025-12787","html_url":"https://www.federalregister.gov/documents/2025/07/10/2025-12787/regulatory-capital-rule-modifications-to-the-enhanced-supplementary-leverage-ratio-standards-for-us","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-07-10/pdf/2025-12787.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-12787.pdf?1752065109","publication_date":"2025-07-10","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"excerpts":"to U.S. Treasury <span class=\"match\">securities</span> held as trading assets, banking organizations also hold such <span class=\"match\">securities</span> as investment <span class=\"match\">securities</span> on their balance sheets, typically for longer periods, and possibly until maturity.\n 74 \n \n Most of these investment <span class=\"match\">securities</span> are held by depository institution subsidiaries.\n 75 \n \n \n \n \n 74 \n  Under U.S. GAAP, investment <span class=\"match\">securities</span> holdings can be classified as “available-for-sale” or “held-to-maturity” <span class=\"match\">securities</span> on banking organizations' balance sheets.\n \n \n \n \n 75 \n  \n See \n the discussion <span class=\"match\">related</span> to Table 5 in section"},{"title":"Notice of Availability of Security Requirements for Restricted Transactions Under Executive Order 14117","type":"Notice","abstract":"CISA is announcing publication of finalized security requirements for restricted transactions pursuant to Executive Order (E.O.) 14117, \"Preventing Access to Americans' Bulk Sensitive Personal Data and United States Government-Related Data by Countries of Concern.\" In October 2024, CISA published proposed security requirements for restricted transactions which would apply to classes of restricted transactions identified in regulations issued by the Department of Justice (DOJ). CISA solicited comment on those proposed security requirements and considered that public feedback when developing the final security requirements. This notice also provides CISA's responses to the public comments received.","document_number":"2024-31479","html_url":"https://www.federalregister.gov/documents/2025/01/08/2024-31479/notice-of-availability-of-security-requirements-for-restricted-transactions-under-executive-order","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-08/pdf/2024-31479.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-31479.pdf?1735911917","publication_date":"2025-01-08","agencies":[{"raw_name":"DEPARTMENT OF HOMELAND SECURITY","name":"Homeland Security Department","id":227,"url":"https://www.federalregister.gov/agencies/homeland-security-department","json_url":"https://www.federalregister.gov/api/v1/agencies/227","parent_id":null,"slug":"homeland-security-department"}],"excerpts":"same direction to CISA for promulgating the <span class=\"match\">security</span> requirements. By design, the <span class=\"match\">security</span> requirements themselves are not a rule governed by the process laid out in the Administrative Procedure Act, 5 U.S.C. 553. While this allows CISA to update the <span class=\"match\">security</span> requirements quickly, tracking new developments in technology and data <span class=\"match\">security</span>, such updated <span class=\"match\">security</span> requirements will not be enforceable against entities regulated by DOJ's rule unless DOJ updates its rule to change the version of the <span class=\"match\">security</span> requirements incorporated therein by reference"},{"title":"Request for Information on Bank-Fintech Arrangements Involving Banking Products and Services Distributed to Consumers and Businesses","type":"Notice","abstract":"Over the past several years, the Office of the Comptroller of the Currency (OCC), Treasury; the Board of Governors of the Federal Reserve System (Board); and the Federal Deposit Insurance Corporation (FDIC) (collectively, \"the agencies\" or \"agency\" when referencing the singular) have observed and reviewed arrangements between banks and financial technology (fintech) companies. The agencies support responsible innovation and banks pursuing bank-fintech arrangements in a manner consistent with safe and sound banking practices, and with applicable laws and regulations, including consumer protection requirements and those addressing financial crimes. Bank-fintech arrangements can provide benefits; however, supervisory experience has highlighted a range of potential risks with these bank-fintech arrangements. This request solicits input on the nature of bank-fintech arrangements, effective risk management practices regarding bank- fintech arrangements, and the implications of such arrangements, including whether enhancements to existing supervisory guidance may be helpful in addressing risks associated with these arrangements.","document_number":"2024-16838","html_url":"https://www.federalregister.gov/documents/2024/07/31/2024-16838/request-for-information-on-bank-fintech-arrangements-involving-banking-products-and-services","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-31/pdf/2024-16838.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-16838.pdf?1722343529","publication_date":"2024-07-31","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"excerpts":"subcontractors without the <span class=\"match\">bank's</span> prior consent. \n See \n “Interagency Guidance on Third-Party Relationships,” \n supra \n note 9, for more.\n \n \n \n Rapid deposit growth <span class=\"match\">related</span> to a <span class=\"match\">bank</span>-fintech arrangement can also pose risks <span class=\"match\">related</span> to funds management. For example, a <span class=\"match\">bank</span> may need to invest an influx of short-term deposits that greatly exceed amounts the <span class=\"match\">bank</span> has traditionally managed. To the extent that deposits are used to fund growth in longer-term or higher-risk fixed-rate assets, including loans and <span class=\"match\">securities</span>, the <span class=\"match\">bank</span> may be exposed to greater"},{"title":"Proposed Revisions to the Federal Reserve Policy on Payment System Risk and the Guidelines for Account and Services Requests","type":"Notice","abstract":"The Board of Governors of the Federal Reserve System (Board) is issuing a notice and request for comment on proposed revisions to the Federal Reserve Policy on Payment System Risk (PSR Policy), including the proposed addition of a new Part IV, to accommodate the provision by Reserve Banks of special-purpose accounts that would clear and settle certain payment activity (Payment Accounts). The Board is also proposing updates to its guidelines for Federal Reserve Banks (Reserve Banks) to utilize in evaluating requests for access to Reserve Bank account and services (Account Access Guidelines or Guidelines) to accommodate requests for access to Payment Accounts. Finally, the Board is encouraging Reserve Banks to pause decisions on requests for Reserve Bank accounts and services from institutions that are Tier 3 under the Account Access Guidelines until the Board has completed its policy development process on the Payment Account proposal.","document_number":"2026-10375","html_url":"https://www.federalregister.gov/documents/2026/05/26/2026-10375/proposed-revisions-to-the-federal-reserve-policy-on-payment-system-risk-and-the-guidelines-for","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-26/pdf/2026-10375.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-10375.pdf?1779453911","publication_date":"2026-05-26","agencies":[{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"}],"excerpts":"accommodate the provision by Reserve <span class=\"match\">Banks</span> of special-purpose accounts that would clear and settle certain payment activity (Payment Accounts). The Board is also proposing updates to its guidelines for Federal Reserve <span class=\"match\">Banks</span> (Reserve <span class=\"match\">Banks</span>) to utilize in evaluating requests for access to Reserve <span class=\"match\">Bank</span> account and services (Account Access Guidelines or Guidelines) to accommodate requests for access to Payment Accounts. Finally, the Board is encouraging Reserve <span class=\"match\">Banks</span> to pause decisions on requests for Reserve <span class=\"match\">Bank</span> accounts and services from institutions"},{"title":"Regulatory Capital Rule (Regulation Q): Risk-Based Capital Surcharges for Global Systemically Important Bank Holding Companies; Systemic Risk Report (FR Y-15)","type":"Proposed Rule","abstract":"The Board of Governors of the Federal Reserve System (Board) is inviting public comment on a notice of proposed rulemaking to amend the Board's rule that identifies and establishes risk-based capital surcharges for U.S. global systemically important bank holding companies (GSIBs). The proposal would also amend the Systemic Risk Report (FR Y-15), which is the source of inputs to the implementation of the GSIB framework under the capital rule. The proposal would make several changes to better align surcharges with risk. First, it would modify certain coefficients used to calculate GSIB surcharges under method 2 of the GSIB surcharge framework to reflect changes in the financial system and the economy and provide for annual adjustments for real economic growth and inflation going forward. Second, the proposal would modify the measurement and weighting of the weighted short-term wholesale funding systemic indicator. Third, for certain systemic indicators currently measured as of a single date each year, the proposal would require measurement based on average values to reduce the effects of temporary changes to indicator values around measurement dates. Fourth, the proposal would reduce cliff effects and enhance the sensitivity of the surcharge to changes in a GSIB's systemic risk profile. Fifth, to improve risk capture, the proposal would also make improvements to the measurement of some systemic indicators used in the GSIB surcharge framework and the framework for determining prudential standards for large banking organizations. In addition to these changes, the proposal would make several amendments to the FR Y-15 to improve the consistency of data reporting and streamline the reporting process.","document_number":"2026-05961","html_url":"https://www.federalregister.gov/documents/2026/03/27/2026-05961/regulatory-capital-rule-regulation-q-risk-based-capital-surcharges-for-global-systemically-important","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-27/pdf/2026-05961.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-05961.pdf?1774529110","publication_date":"2026-03-27","agencies":[{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"}],"excerpts":"liabilities, and <span class=\"match\">securities</span> outstanding. For purposes of the intra-financial system assets and intra-financial system liabilities indicators, the FR Y-15 instructions currently define “financial institutions” as depository institutions, <span class=\"match\">bank</span> holding companies, <span class=\"match\">securities</span> brokers, <span class=\"match\">securities</span> dealers, insurance companies, mutual funds, hedge funds, pension funds, investment <span class=\"match\">banks</span>, and central counterparties. The definition excludes central <span class=\"match\">banks</span> and other public sector bodies, such as multilateral development <span class=\"match\">banks</span> and the Federal Home Loan <span class=\"match\">Banks</span> but includes"},{"title":"Management of Federal Agency Disbursements","type":"Proposed Rule","abstract":"Executive Order (E.O.) 14247, Modernizing Payments To and From America's Bank Account, directs the Secretary of the Treasury to cease issuing paper checks for all Federal disbursements to the extent permitted by law and to review and, as appropriate, revise procedures for granting limited exceptions where electronic payment methods are not feasible. In accordance with the E.O., the Department of the Treasury (Treasury), Bureau of the Fiscal Service (\"Fiscal Service\" or \"we\"), is proposing to amend its regulation that sets forth the limited circumstances under which paper check disbursements may be made by federal agencies.","document_number":"2026-08278","html_url":"https://www.federalregister.gov/documents/2026/04/29/2026-08278/management-of-federal-agency-disbursements","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-29/pdf/2026-08278.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-08278.pdf?1777380311","publication_date":"2026-04-29","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Fiscal Service","name":"Fiscal Service","id":585,"url":"https://www.federalregister.gov/agencies/fiscal-service","json_url":"https://www.federalregister.gov/api/v1/agencies/585","parent_id":497,"slug":"fiscal-service"}],"excerpts":"Financial institution \n means:\n \n (1) Any insured <span class=\"match\">bank</span> as defined in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813) or any <span class=\"match\">bank</span> which is eligible to make application to become an insured <span class=\"match\">bank</span> under section 5 of such Act (12 U.S.C. 1815); \n (2) Any mutual savings <span class=\"match\">bank</span> as defined in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813) or any <span class=\"match\">bank</span> which is eligible to make application to become an insured <span class=\"match\">bank</span> under section 5 of such Act (12 U.S.C. 1815); \n (3) Any savings <span class=\"match\">bank</span> as defined in section 3 of the Federal Deposit"},{"title":"Preemption Determination: State Interest-on-Escrow Laws","type":"Rule","abstract":"The OCC is issuing a preemption determination concluding that Federal law preempts State laws that restrict OCC-regulated banks' flexibility to decide whether and to what extent to pay interest or other compensation on funds placed in real estate escrow accounts; or assess fees in connection with such accounts. This preemption determination will provide much-needed clarity to banks and other stakeholders.","document_number":"2026-10037","html_url":"https://www.federalregister.gov/documents/2026/05/19/2026-10037/preemption-determination-state-interest-on-escrow-laws","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-19/pdf/2026-10037.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-10037.pdf?1779108318","publication_date":"2026-05-19","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"}],"excerpts":"standards for OCC-regulated <span class=\"match\">banks</span> as part of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) \n 3 \n \n and extending comparable Federal preemption standards to State-chartered <span class=\"match\">banks</span> in some cases.\n 4 \n \n \n \n \n 1 \n  \n Cantero \n v. \n <span class=\"match\">Bank</span> of Am., N.A., \n 602 U.S. 205, 209-10 (2024).\n \n \n \n \n 2 \n  \n See Barnett <span class=\"match\">Bank</span> \n v. \n Nelson, \n 517 U.S. 25 (1996); \n Marquette Nat'l <span class=\"match\">Bank</span> of Minneapolis \n v. \n First of Omaha Serv. Corp., \n 439 U.S. 299, 314-15 (1978) (stating that when Congress enacted the National <span class=\"match\">Bank</span> Act over 150 years ago"},{"title":"Whistleblower Incentives and Protections","type":"Proposed Rule","abstract":"FinCEN is proposing a rule to establish a whistleblower program that offers incentives and protections to encourage individuals who have information about potential violations of the Bank Secrecy Act (BSA), International Emergency Economic Powers Act (IEEPA), Trading With the Enemy Act of 1917 (TWEA), and Foreign Narcotics Kingpin Designation Act (Kingpin Act) to voluntarily report such information (the \"Whistleblower Program\"). The proposed rule would implement section 6314 of the Anti-Money Laundering Act of 2020 (AML Act) and the Anti-Money Laundering Whistleblower Improvement Act (AML Whistleblower Improvement Act), which were enacted into law as part of the National Defense Authorization Act for Fiscal Year 2021 (FY21 NDAA) and the Consolidated Appropriations Act of 2023, respectively. The Whistleblower Program will contribute to the U.S. government's efforts to safeguard the financial system from illicit use, promote national security, and combat money laundering, terrorist financing, proliferation financing, and related crimes. This notice of proposed rulemaking invites comments from the public regarding all aspects of the proposed rule, as well as comments in response to specific questions.","document_number":"2026-06271","html_url":"https://www.federalregister.gov/documents/2026/04/01/2026-06271/whistleblower-incentives-and-protections","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-01/pdf/2026-06271.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-06271.pdf?1774961111","publication_date":"2026-04-01","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Financial Crimes Enforcement Network","name":"Financial Crimes Enforcement Network","id":194,"url":"https://www.federalregister.gov/agencies/financial-crimes-enforcement-network","json_url":"https://www.federalregister.gov/api/v1/agencies/194","parent_id":497,"slug":"financial-crimes-enforcement-network"}],"excerpts":"your claim relates? [mm/dd/yyyy] \n 26. *Case Name \n 27. *Case Number \n Section E: <span class=\"match\">Related</span> Actions \n [questions in this section can be repeated up to a total of 99 times] \n If your claim pertains to a <span class=\"match\">related</span> action, please add the <span class=\"match\">related</span> action to this table. If you do not have a <span class=\"match\">related</span> action to add, please select “No” to proceed. \n 28. *Does your claim pertain to a <span class=\"match\">related</span> action? [Yes/No] \n 29. * *What is the name of the agency or authority that brought the <span class=\"match\">related</span> action? [insert free text data entry field?] \n 30. * *Case Name \n 31. * *Case Number"},{"title":"Fair Lending, Fair Housing, and Equitable Housing Finance Plans","type":"Rule","abstract":"The Federal Housing Finance Agency (FHFA or the Agency) is issuing this final rule that addresses barriers to sustainable housing opportunities for underserved communities by codifying existing FHFA practices in regulation and adding new requirements related to fair lending, fair housing, unfair or deceptive acts or practices, and Equitable Housing Finance Plans. The final rule furthers FHFA's fulfillment of its statutory purposes and its oversight of the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), and the Federal Home Loan Banks (Banks) (Fannie Mae and Freddie Mac collectively, the Enterprises; the Enterprises and the Banks collectively, the regulated entities), and their fulfillment of their statutory purposes.","document_number":"2024-09559","html_url":"https://www.federalregister.gov/documents/2024/05/16/2024-09559/fair-lending-fair-housing-and-equitable-housing-finance-plans","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-05-16/pdf/2024-09559.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-09559.pdf?1715777113","publication_date":"2024-05-16","agencies":[{"raw_name":"FEDERAL HOUSING FINANCE AGENCY","name":"Federal Housing Finance Agency","id":174,"url":"https://www.federalregister.gov/agencies/federal-housing-finance-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/174","parent_id":null,"slug":"federal-housing-finance-agency"}],"excerpts":"3 \n \n \n \n \n 3 \n  \n See \n 12 U.S.C. 1451 (note) and 1716.\n \n \n \n The Federal Home Loan <span class=\"match\">Bank</span> System (the System) provides a stable and reliable source of liquidity for its members and provides support for affordable housing and <span class=\"match\">community</span> development for the <span class=\"match\">communities</span> they serve. It was established in 1932 by the Federal Home Loan <span class=\"match\">Bank</span> Act (<span class=\"match\">Bank</span> Act),\n 4 \n \n and today consists of 11 regional <span class=\"match\">Banks</span> and the System's fiscal agent, the Office of Finance. Each <span class=\"match\">Bank</span> is a separate, government-chartered, member-owned corporation.\n \n \n \n 4 \n  \n See \n 12 U"},{"title":"Request for Comment on Proposed Statement of Policy on Bank Merger Transactions","type":"Proposed Rule","abstract":"The FDIC invites comments on a proposed Statement of Policy (SOP) on Bank Merger Transactions (Proposed SOP) that is relevant to all insured depository institutions (IDIs). The Proposed SOP would replace the FDIC's current SOP on Bank Merger Transactions (Current SOP) and proposes a principles-based overview that describes the FDIC's administration of its responsibilities under the Bank Merger Act (BMA). The Proposed SOP focuses on the scope of transactions subject to FDIC approval, the FDIC's process for evaluating merger applications, and the principles that guide the FDIC's consideration of the applicable statutory factors as set forth in the BMA. The Supplementary Information section below contains explanatory content, including historical data, to provide additional context for the Proposed SOP.","document_number":"2024-08020","html_url":"https://www.federalregister.gov/documents/2024/04/19/2024-08020/request-for-comment-on-proposed-statement-of-policy-on-bank-merger-transactions","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-04-19/pdf/2024-08020.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-08020.pdf?1713444334","publication_date":"2024-04-19","agencies":[{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"excerpts":"Non-<span class=\"match\">Banks</span> or <span class=\"match\">Banks</span> That Are Not Traditional <span class=\"match\">Community</span> <span class=\"match\">Banks</span> \n \n Historically, most merger transactions considered by the FDIC have involved traditional <span class=\"match\">community</span> <span class=\"match\">banks</span>. In general, traditional <span class=\"match\">community</span> <span class=\"match\">banks</span> focus on providing the banking services, including loans and core deposits, typically relied on by individuals and businesses in their local <span class=\"match\">communities</span>. However, merger applications may also involve non-<span class=\"match\">banks</span> \n 46 \n \n or <span class=\"match\">banks</span> that are not traditional <span class=\"match\">community</span> <span class=\"match\">banks</span>, which may involve more complexity than a traditional <span class=\"match\">community</span> <span class=\"match\">bank</span> in terms"},{"title":"Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-Weighted Assets","type":"Proposed Rule","abstract":"The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation are proposing to modify certain aspects of the regulatory capital rule (the proposal). The proposal would revise the risk-based capital treatment of certain exposure categories under the standardized approach, focusing on improving the calibration and risk sensitivity of risk weights that are particularly material to covered banking organizations' lending activities. The proposal would also modify the definition of regulatory capital by removing the threshold- based deduction for mortgage servicing assets for all banking organizations subject to the regulatory capital rule, including banking organizations subject to the community bank leverage ratio framework. In addition, the proposal would require Category III and IV banking organizations to recognize most elements of accumulated other comprehensive income in their regulatory capital. The agencies are concurrently publishing a separate proposal, which would require Category I and II banking organizations to use a new framework to calculate risk-weighted assets, called the expanded risk-based approach and would allow other banking organizations to elect to use the expanded risk-based approach.","document_number":"2026-05960","html_url":"https://www.federalregister.gov/documents/2026/03/27/2026-05960/regulatory-capital-rules-regulatory-capital-and-standardized-approach-for-risk-weighted-assets","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-27/pdf/2026-05960.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-05960.pdf?1774529110","publication_date":"2026-03-27","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"excerpts":"held-to-maturity <span class=\"match\">securities</span> that are included in AOCI.\n \n \n \n \n 19 \n  Available-for-sale <span class=\"match\">securities</span> refers to debt <span class=\"match\">securities</span>. Accounting Standards Update 2016-01 eliminated the classification of available-for-sale equity <span class=\"match\">securities</span> under Accounting Standards Codification Subtopic 321-10 and generally requires investments in equity <span class=\"match\">securities</span> to be measured at fair value with changes in fair value recognized in net income. Changes in the fair value of (\n i.e., \n the unrealized gains and losses on) a banking organization's equity <span class=\"match\">securities</span> are recognized"}]}