{"description":"Documents matching 'similar such institutions expected increase'","count":10000,"total_pages":50,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=similar+such+institutions+expected+increase&format=json&page=2","results":[{"title":"GENIUS Act Broad-Based Principles for Determining Whether a State-Level Regulatory Regime Is Substantially Similar to the Federal Regulatory Framework","type":"Proposed Rule","abstract":"The Department of the Treasury (Treasury) proposes to implement section 4(c) of the Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act by establishing broad- based principles for determining when a State-level regulatory regime is substantially similar to the Federal regulatory framework.","document_number":"2026-06489","html_url":"https://www.federalregister.gov/documents/2026/04/03/2026-06489/genius-act-broad-based-principles-for-determining-whether-a-state-level-regulatory-regime-is","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-03/pdf/2026-06489.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-06489.pdf?1775133910","publication_date":"2026-04-03","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"}],"excerpts":"is substantially <span class=\"match\">similar</span> to the Federal regulatory framework. Treasury <span class=\"match\">expects</span> that this will reduce potential frictions and concerns that could otherwise impede market activity by payment stablecoin issuers and third parties offering services to payment stablecoin providers. Therefore, Treasury <span class=\"match\">expects</span> that part 1521 will create a more favorable environment for digital asset innovation in many States, with potential economic benefits from <span class=\"match\">increased</span> innovation and payment stablecoin commercial activity. Consumers and <span class=\"match\">institutions</span> engaging with payment"},{"title":"Resolution Submissions Required for Covered Insured Depository Institutions","type":"Proposed Rule","abstract":"The FDIC is seeking comment on a proposal to revise its regulations that require resolution submissions by insured depository institutions (IDIs) with at least $50 billion in total assets. The proposed rule would modify the current rule by raising and automatically updating the dollar threshold that determines the scope of applicability; reducing the requirements regarding the content of resolution submissions provided to the FDIC, with a focus on information that most directly supports the FDIC's resolution readiness in the event of material distress and failure of a covered IDI; and standardizing content requirements for covered IDIs. The proposed rule would also eliminate the FDIC's credibility assessment of submissions provided by IDIs, as well as expectations for capabilities testing under the current rule.","document_number":"2026-13191","html_url":"https://www.federalregister.gov/documents/2026/06/30/2026-13191/resolution-submissions-required-for-covered-insured-depository-institutions","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-06-30/pdf/2026-13191.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-13191.pdf?1782737120","publication_date":"2026-06-30","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":"insured depository <span class=\"match\">institution</span> \n means an insured depository <span class=\"match\">institution</span> with the CIDI threshold amount or more in total assets, as determined based upon the average of the <span class=\"match\">institution's</span> four most recent Consolidated Reports of Condition and Income. An insured depository <span class=\"match\">institution</span> remains a CIDI until it has less than the CIDI threshold amount in total assets, for each of the <span class=\"match\">institution's</span> four most recent Consolidated Reports of Condition and Income. In the event of a merger, acquisition of assets, combination, or <span class=\"match\">similar</span> transaction by an insured"},{"title":"Regulation D: Reserve Requirements of Depository Institutions","type":"Proposed Rule","abstract":"The Board of Governors of the Federal Reserve System (Board) proposes to amend its Regulation D (Reserve Requirements of Depository Institutions) to differentiate between master accounts and a proposed new category of special-purpose payment accounts (Payment Accounts). The proposed amendments would exclude Payment Accounts from Regulation D's provisions directing Federal Reserve Banks (Reserve Banks) to pay interest on balances maintained at a Reserve Bank. As a result, the Reserve Banks would not pay interest on balances maintained in Payment Accounts. The proposal would not affect reserve requirement ratios, which would remain zero.","document_number":"2026-10377","html_url":"https://www.federalregister.gov/documents/2026/05/26/2026-10377/regulation-d-reserve-requirements-of-depository-institutions","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-26/pdf/2026-10377.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-10377.pdf?1779453912","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":"as balances of the Federal Home Loan Banks and of certain other non-eligible <span class=\"match\">institutions</span>.\n 7 \n \n There is no requirement in the statute that interest be paid to any eligible <span class=\"match\">institution</span>, nor is there any requirement that the same interest rate or rates be paid to all eligible <span class=\"match\">institutions</span> or on all balances of eligible <span class=\"match\">institutions</span>.\n \n \n \n 5 \n  12 U.S.C. 461(b)(12).\n \n \n \n \n 6 \n  \n See \n 12 U.S.C. 461(b)(12)(C); \n see also \n 12 CFR 204.2(y) (defining “eligible <span class=\"match\">institution</span>”).\n \n \n \n \n 7 \n  12 U.S.C. 1435 (Federal Home Loan Banks); \n see, e.g., \n 12"},{"title":"Revising Definitions of “Adjudicated as a Mental Defective” and “Committed to a Mental Institution”","type":"Proposed Rule","abstract":"The Bureau of Alcohol, Tobacco, Firearms, and Explosives (\"ATF\") proposes amending Department of Justice (\"Department\") regulations to update the definitions of \"adjudicated as a mental defective\" and \"committed to a mental institution.\"","document_number":"2026-09156","html_url":"https://www.federalregister.gov/documents/2026/05/08/2026-09156/revising-definitions-of-adjudicated-as-a-mental-defective-and-committed-to-a-mental-institution","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-08/pdf/2026-09156.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-09156.pdf?1778157914","publication_date":"2026-05-08","agencies":[{"raw_name":"DEPARTMENT OF JUSTICE","name":"Justice Department","id":268,"url":"https://www.federalregister.gov/agencies/justice-department","json_url":"https://www.federalregister.gov/api/v1/agencies/268","parent_id":null,"slug":"justice-department"},{"raw_name":"Bureau of Alcohol, Tobacco, Firearms, and Explosives","name":"Alcohol, Tobacco, Firearms, and Explosives Bureau","id":19,"url":"https://www.federalregister.gov/agencies/alcohol-tobacco-firearms-and-explosives-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/19","parent_id":268,"slug":"alcohol-tobacco-firearms-and-explosives-bureau"}],"excerpts":"criminal proceedings have burdens of proof that are more friendly to the defendant.\n \n 2. “Committed to a Mental <span class=\"match\">Institution</span>” \n ATF also proposes revising the definition of “committed to a mental <span class=\"match\">institution</span>.” The current definition of “committed to a mental <span class=\"match\">institution</span>” is “[a] formal commitment of a person to a mental <span class=\"match\">institution</span> by a court, board, commission, or other lawful authority. The term includes a commitment to a mental <span class=\"match\">institution</span> involuntarily. The term includes commitment for mental defectiveness or mental illness. It also includes commitments"},{"title":"Imposition of Special Measure Regarding Huione Group, as a Foreign Financial Institution of Primary Money Laundering Concern","type":"Rule","abstract":"FinCEN is issuing this final rule to prohibit covered U.S. financial institutions from opening or maintaining a correspondent account for, or on behalf of Huione Group, a foreign financial institution based in Cambodia found to be of primary money laundering concern pursuant to section 311 of the USA PATRIOT Act. The rule further requires covered financial institutions to apply special due diligence to their foreign correspondent accounts that is reasonably designed to guard against the use of such accounts to process transactions involving Huione Group.","document_number":"2025-19571","html_url":"https://www.federalregister.gov/documents/2025/10/16/2025-19571/imposition-of-special-measure-regarding-huione-group-as-a-foreign-financial-institution-of-primary","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-10-16/pdf/2025-19571.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19571.pdf?1760532307","publication_date":"2025-10-16","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":"Affected Financial <span class=\"match\">Institution</span>: \n Imposing special measure five requirements as described in this final rule is <span class=\"match\">expected</span> to result in a new, incremental recordkeeping burden on certain covered financial <span class=\"match\">institutions</span> as described above. Each anticipated component of this is outlined below.\n \n Each affected covered financial <span class=\"match\">institution</span> is <span class=\"match\">expected</span> to incur a recordkeeping burden associated with preparing and retaining the materials necessary to demonstrate compliance with the requirements contained in this final rule. This is <span class=\"match\">expected</span> to include records"},{"title":"Revisions to the Large Financial Institution Rating System and Framework for the Supervision of Insurance Organizations","type":"Notice","abstract":"The Board is adopting a final notice to revise its Large Financial Institution (LFI) rating system (LFI Framework) and the rating system for depository institution holding companies significantly engaged in insurance activities (Insurance Supervisory Framework, together with the LFI Framework, Frameworks) to more appropriately identify as \"well managed\" firms that have sufficient financial and operational strength and resilience to maintain safe and sound operations through a range of conditions, including stressful ones. The final notice also replaces the presumption in the Frameworks that firms with one or more Deficient-1 component ratings will be subject to a formal or informal enforcement action with a statement that such firms may be subject to a formal or informal enforcement action, depending on particular facts and circumstances. The final notice also removes a reference to reputational risk in the Insurance Supervisory Framework.","document_number":"2025-19945","html_url":"https://www.federalregister.gov/documents/2025/11/17/2025-19945/revisions-to-the-large-financial-institution-rating-system-and-framework-for-the-supervision-of","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-11-17/pdf/2025-19945.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19945.pdf?1763127914","publication_date":"2025-11-17","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":"competitive challenges to smaller banks while also exacerbating the problem of too big to fail <span class=\"match\">institutions</span>. Firms that would no longer face certain regulatory constraints to undertake expansionary activities under the proposal could accumulate market share and <span class=\"match\">increase</span> concentration. Moreover, marginally greater consolidation and growth of large <span class=\"match\">institutions</span> could concentrate risk within fewer, larger entities and more complex financial <span class=\"match\">institutions</span> could become more difficult to manage, monitor, and supervise effectively.\n 67 \n \n \n \n \n 67 \n  Gary"},{"title":"Agency Information Collection Activities; Proposed Renewal; Comment Request; Renewal Without Change on Information Sharing Between Government Agencies and Financial Institutions","type":"Notice","abstract":"As part of its continuing efforts to reduce paperwork and respondent burden, FinCEN invites comments on the proposed renewal, without change, of existing information collection requirements found in Bank Secrecy Act (BSA) regulations concerning information sharing between government agencies and financial institutions. Specifically, the regulations require that, upon receiving an information request from FinCEN, a financial institution must search its records to determine whether it maintains or has maintained any account or engaged in any transaction with an individual, entity, or organization named in the request. If a financial institution identifies an account or transaction named in the request, it must report such information to FinCEN in the manner and timeframe specified in the request. This request for comment is being made pursuant to the Paperwork Reduction Act of 1995.","document_number":"2025-18928","html_url":"https://www.federalregister.gov/documents/2025/09/30/2025-18928/agency-information-collection-activities-proposed-renewal-comment-request-renewal-without-change-on","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-09-30/pdf/2025-18928.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-18928.pdf?1759149912","publication_date":"2025-09-30","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":"financial <span class=\"match\">institutions</span>, financial <span class=\"match\">institutions</span> only must confirm with FinCEN that they have a positive match to the subject of a Section 314(a) Request.\n 36 \n \n This is in contrast to the detailed information a financial <span class=\"match\">institution</span> would otherwise be required to report under 31 CFR 1010.520(b)(3)(ii). Financial <span class=\"match\">institutions</span> do not need to reply to a Section 314(a) Request if the search does not uncover any match to accounts or transactions.\n \n \n \n 36 \n  FinCEN has “frequently asked questions” that are made available to financial <span class=\"match\">institutions</span> that receive"},{"title":"GENIUS Act Requirements and Standards for FDIC-Supervised Permitted Payment Stablecoin Issuers and Insured Depository Institutions","type":"Proposed Rule","abstract":"The Federal Deposit Insurance Corporation (FDIC) is soliciting comment on a proposal that would implement certain requirements pursuant to the Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS Act) applicable to FDIC-supervised permitted payment stablecoin issuers and insured depository institutions, clarify deposit insurance coverage for deposits held as reserve assets for payment stablecoins, and clarify the treatment of tokenized deposits.","document_number":"2026-06974","html_url":"https://www.federalregister.gov/documents/2026/04/10/2026-06974/genius-act-requirements-and-standards-for-fdic-supervised-permitted-payment-stablecoin-issuers-and","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-10/pdf/2026-06974.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-06974.pdf?1775738716","publication_date":"2026-04-10","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":"composition of reserves, and redemption policies, among others. \n C. <span class=\"match\">Expected</span> Costs \n \n The proposed rule's <span class=\"match\">expected</span> direct costs are divided into two distinct categories for discussion. First, the analysis identifies and quantifies the direct compliance costs associated with changes in reporting, recordkeeping, and disclosure requirements to affected <span class=\"match\">institutions</span> as a result of the proposed rule. Second, the analysis discusses a broader set of operational costs to all affected <span class=\"match\">institutions</span> that, although they may not be quantifiable given the inherent"},{"title":"Definition of Huione Group, a Financial Institution Operating Outside the United States of Primary Money Laundering Concern","type":"Proposed Rule","abstract":"FinCEN is issuing a notice of proposed rulemaking (NPRM), pursuant to section 311 of the USA PATRIOT Act, that proposes amending the existing definition of Huione Group to include, within the definition of that group, H-Pay Service PLC, and adding and defining the term \"successor entity.\" With this NPRM, FinCEN does not alter its assessment that Huione Group is a financial institution operating outside the United States of primary money laundering concern, and the existing special measure codified at 31 CFR 1010.664 with respect to Huione Group remains in effect.","document_number":"2026-12794","html_url":"https://www.federalregister.gov/documents/2026/06/25/2026-12794/definition-of-huione-group-a-financial-institution-operating-outside-the-united-states-of-primary","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-06-25/pdf/2026-12794.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-12794.pdf?1782305112","publication_date":"2026-06-25","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":" ).\n \n \n \n Estimated Number of <span class=\"match\">Expected</span> Respondents: \n Approximately 129.\n 92 \n \n \n \n \n 92 \n  While this regulation applies to all covered <span class=\"match\">institutions</span> described in Table 1, in practice the burden would only be imposed on select <span class=\"match\">institutions</span> that maintain correspondent accounts for foreign banks. Table 2 presents an estimate of this subpopulation of banks, brokers or dealers in securities, FCMs and IBCs, and mutual funds.\n \n \n \n Table 2—Estimates of Affected Financial <span class=\"match\">Institutions</span> by Type \n \n Financial <span class=\"match\">institution</span> type \n Number of entities \n \n "},{"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":"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 adopting a final rule to modify the enhanced supplementary leverage ratio standards applicable to U.S. bank holding companies identified as global systemically important bank holding companies (GSIBs), their subsidiary depository institutions that are Board- or FDIC-regulated, and national banks and Federal savings associations that are subsidiaries of a U.S. top-tier bank holding company with total consolidated assets of more than $700 billion or assets under custody of more than $10 trillion (together with Board- and FDIC-regulated subsidiary depository institutions of GSIBs, covered depository institutions). These modifications are intended to help ensure that the enhanced supplementary leverage ratio standards serve as a backstop to risk-based capital requirements rather than a frequently binding constraint, thus reducing potential disincentives for GSIBs and covered depository institutions to participate in low-risk, low-return activities. The Board is also finalizing conforming amendments to its total loss-absorbing capacity and long-term debt requirements. In addition, the Board is making conforming amendments to relevant regulatory reporting forms, and the Board and FDIC are making final certain technical corrections to the capital rule and the prompt corrective action framework. Banking organizations subject to the final rule may elect to early adopt the final rule as of January 1, 2026.","document_number":"2025-21626","html_url":"https://www.federalregister.gov/documents/2025/12/01/2025-21626/regulatory-capital-rule-modifications-to-the-enhanced-supplementary-leverage-ratio-standards-for-us","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-01/pdf/2025-21626.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-21626.pdf?1764337518","publication_date":"2025-12-01","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":"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":"Treasury market and other intermediation activities that could result if <span class=\"match\">increases</span> in the GSIB risk-based surcharge calculation over time flow through to the eSLR calibration. \n Other commenters asserted that the proposed eSLR standard for covered depository <span class=\"match\">institutions</span> would undermine such <span class=\"match\">institutions</span>' safety and soundness and <span class=\"match\">increase</span> the risk of bank failure, especially in light of the <span class=\"match\">expected</span> decrease in required tier 1 capital levels at covered depository <span class=\"match\">institutions</span>. Some of these commenters expressed concerns that the decrease in capital"},{"title":"Revisions to the Large Financial Institution Rating System and Framework for the Supervision of Insurance Organizations","type":"Notice","abstract":"The Board is seeking comment on proposed revisions to its Large Financial Institution (\"LFI\") rating system (\"LFI Framework\") and the ratings system for depository institution holding companies significantly engaged in insurance activities, referred to as supervised insurance organizations (\"Insurance Supervisory Framework,\" collectively with the LFI Framework, \"Frameworks\"), which is modeled on the LFI Framework. The proposal would revise the component ratings that a firm must receive to be considered \"well managed\" under the Frameworks. The proposed revisions reflect experience with the LFI Framework since its introduction in 2018. Specifically, the proposed changes aim to ensure that a firm's \"well managed\" status reflects that the firm has sufficient financial and operational strength and resilience to maintain safe-and-sound operations through a range of conditions, including stressful ones. The proposed revisions also seek to further align the application of the Frameworks with the operation of other existing supervisory ratings systems. The proposed revisions would not change the scope of firms to which the Frameworks apply. Other changes to the Frameworks and existing supervisory ratings systems will be considered in the future.","document_number":"2025-13223","html_url":"https://www.federalregister.gov/documents/2025/07/15/2025-13223/revisions-to-the-large-financial-institution-rating-system-and-framework-for-the-supervision-of","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-07-15/pdf/2025-13223.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-13223.pdf?1752497115","publication_date":"2025-07-15","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":"requirements for new regulations that impose additional reporting, disclosure, or other requirements on insured depository <span class=\"match\">institutions</span> (“IDIs”), each Federal banking agency must consider, consistent with principles of safety and soundness and the public interest, any administrative burdens that such regulations would place on depository <span class=\"match\">institutions</span>, including small depository <span class=\"match\">institutions</span>, and customers of depository <span class=\"match\">institutions</span>, as well as the benefits of such regulations. In addition, section 302(b) of RCDRIA requires new regulations and amendments"},{"title":"Regulatory Capital Rule: Category I and II Banking Organizations, Banking Organizations With Significant Trading Activity, and Optional Adoption for Other Banking Organizations","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 modernize the capital requirements applicable to Category I and II depository institution holding companies and depository institutions, as well as revise the market risk capital framework for banking organizations with significant trading activity (the proposal). The proposal would improve the regulatory capital framework for covered banking organizations by enhancing its risk sensitivity and consistency and by simplifying core components of its design. The agencies expect the proposal would support the safety and soundness of covered banking organizations and U.S. financial stability while promoting lending and other financial intermediation activities in the banking system over a range of economic conditions.","document_number":"2026-05959","html_url":"https://www.federalregister.gov/documents/2026/03/27/2026-05959/regulatory-capital-rule-category-i-and-ii-banking-organizations-banking-organizations-with","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-27/pdf/2026-05959.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-05959.pdf?1774529111","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":"system interconnectedness inherent in exposures to depository <span class=\"match\">institutions</span>, foreign banks, and credit unions, which can pose systemic risk to the financial system. \n \n EP27MR26.060 \n \n \n The proposed risk weights in Table 1 for exposures to depository <span class=\"match\">institutions</span>, credit unions and foreign banks, especially those that are Grade A, reflect that those <span class=\"match\">institutions</span> present reduced credit risk relative to exposures to other types of financial <span class=\"match\">institutions</span> or companies. U.S. depository <span class=\"match\">institutions</span> and credit unions are subject to strong capital requirements"},{"title":"Medicare Program; Alternative Payment Model Updates and the Increasing Organ Transplant Access (IOTA) Model","type":"Rule","abstract":"This final rule will update and revise the Increasing Organ Transplant Access (IOTA) Model for Performance Year (PY) 2. This final rule also includes a technical correction to the regulatory text.","document_number":"2026-10890","html_url":"https://www.federalregister.gov/documents/2026/06/01/2026-10890/medicare-program-alternative-payment-model-updates-and-the-increasing-organ-transplant-access-iota","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-06-01/pdf/2026-10890.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-10890.pdf?1779999311","publication_date":"2026-06-01","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":"outcomes for patients and <span class=\"match\">increases</span> the burden on Medicare in terms of payments for dialysis and dialysis-based enrollment in the program. In section V. of this final rule, we set forth a detailed analysis of the impacts that the proposed changes will have on the IOTA participants and beneficiaries. We estimate that as a result of the finalized changes to the IOTA Model, net Federal savings will <span class=\"match\">increase</span> by $60 million. \n II. Changes to the <span class=\"match\">Increasing</span> Organ Transplant Access (IOTA) Model \n A. Background \n 1. Purpose \n The <span class=\"match\">Increasing</span> Organ Transplant Access"},{"title":"Request for Information and Comment on Reserve Bank Payment Account Prototype","type":"Notice","abstract":"The Board of Governors of the Federal Reserve System (Board) seeks public input on a special purpose Reserve Bank account prototype (a Payment Account) tailored to the risks and needs of institutions focused on payments innovation. A Payment Account holder would be expected to use its account for the express purpose of clearing and settling the institution's payment activity. Payment Accounts would be designed to pose limited risk to the Federal Reserve Banks (Reserve Banks) and the overall payment system, and Reserve Banks would generally conduct a streamlined review of requests for these accounts. Any institution that is legally eligible for Federal Reserve accounts or services (accounts and services) under the Federal Reserve Act would be eligible to request a Payment Account from a Reserve Bank. The Payment Account protype does not seek to expand or otherwise change legal eligibility for access to accounts and services.","document_number":"2025-23712","html_url":"https://www.federalregister.gov/documents/2025/12/23/2025-23712/request-for-information-and-comment-on-reserve-bank-payment-account-prototype","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-23/pdf/2025-23712.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-23712.pdf?1766411118","publication_date":"2025-12-23","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":"business models of <span class=\"match\">institutions</span> submitting access requests have continued to evolve. For example, several <span class=\"match\">institutions</span> have explained that they are interested in access to accounts and services in order to reduce costs to their customers while <span class=\"match\">increasing</span> payment processing speed, often through new technologies. Some of these <span class=\"match\">institutions</span> have requested either a state or federal banking charter and a few have initiated requests for Reserve Bank accounts and services. \n Over the same period, many eligible uninsured <span class=\"match\">institutions</span> have requested or expressed"},{"title":"Medicare Program; Alternative Payment Model Updates and the Increasing Organ Transplant Access (IOTA) Model","type":"Proposed Rule","abstract":"This proposed rule would update and revise the Increasing Organ Transplant Access (IOTA) Model for Performance Year (PY) 2.","document_number":"2025-22543","html_url":"https://www.federalregister.gov/documents/2025/12/11/2025-22543/medicare-program-alternative-payment-model-updates-and-the-increasing-organ-transplant-access-iota","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-11/pdf/2025-22543.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-22543.pdf?1765314907","publication_date":"2025-12-11","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":"section.\n \n \n \n FOR FURTHER INFORMATION CONTACT: \n \n \n CMMItransplant@cms.hhs.gov, \n for questions related to the <span class=\"match\">Increasing</span> Organ Transplant Access Model.\n \n Thomas Duvall, (410) 786-8887, for questions related to the <span class=\"match\">Increasing</span> Organ Transplant Access Model. \n Christina McCormick, (410) 786-4012, for questions related to the <span class=\"match\">Increasing</span> Organ Transplant Access Model. \n Lina Gebremariam, (410) 786-8893, for questions related to the <span class=\"match\">Increasing</span> Organ Transplant Access Model. \n \n \n \n SUPPLEMENTARY INFORMATION: \n \n \n Inspection of Public Comments: \n All"},{"title":"Overdraft Lending: Very Large Financial Institutions","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) amends Regulations E and Z to update regulatory exceptions for overdraft credit provided by very large financial institutions, thereby ensuring that these extensions of overdraft credit adhere to consumer protections required of similarly situated products, unless the overdraft fee is a small amount that only recovers estimated costs and losses. The rule allows consumers to better comparison shop across credit products and provides substantive protections that apply to other consumer credit.","document_number":"2024-29699","html_url":"https://www.federalregister.gov/documents/2024/12/30/2024-29699/overdraft-lending-very-large-financial-institutions","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-30/pdf/2024-29699.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-29699.pdf?1735307118","publication_date":"2024-12-30","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"only to very large financial <span class=\"match\">institutions</span>. The commenters stated that data cited in the proposed rule indicated that smaller financial <span class=\"match\">institutions</span> hold only 20 percent of deposits but receive 32 percent of overdraft fees. Commenters stated the CFPB's own data indicate that smaller financial <span class=\"match\">institutions</span> appear to receive <span class=\"match\">similar</span> or greater overdraft fees per account compared to larger financial <span class=\"match\">institutions</span>. \n Several industry commenters also maintained that applying the rule only to very large financial <span class=\"match\">institutions</span> would cause consumer confusion"},{"title":"Program Integrity and Institutional Quality: Distance Education and Return of Title IV, HEA Funds","type":"Rule","abstract":"The Secretary amends the Student Assistance General Provisions regulations governing participation in the student financial assistance programs authorized under title IV of the Higher Education Act of 1965, as amended (HEA), to promote program integrity and institutional quality. These regulations clarify, update, and consolidate certain provisions that apply to distance education and the return of title IV, HEA funds. They also make technical changes to the TRIO program regulations to reflect the current status of the Republic of Palau as a member of the Freely Associated States. This document provides notice that the Department fully closes out the Program Integrity and Institutional Quality: Distance Education and Return of Title IV, HEA Funds notice of proposed rulemaking. That is, we will not be finalizing the remainder of the Federal TRIO program provisions but may promulgate through future rulemaking efforts.","document_number":"2024-31031","html_url":"https://www.federalregister.gov/documents/2025/01/03/2024-31031/program-integrity-and-institutional-quality-distance-education-and-return-of-title-iv-hea-funds","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-03/pdf/2024-31031.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-31031.pdf?1735566312","publication_date":"2025-01-03","agencies":[{"raw_name":"DEPARTMENT OF EDUCATION","name":"Education Department","id":126,"url":"https://www.federalregister.gov/agencies/education-department","json_url":"https://www.federalregister.gov/api/v1/agencies/126","parent_id":null,"slug":"education-department"}],"excerpts":"\n ) to exempt <span class=\"match\">institutions</span> from performing an R2T4 calculation if: (1) a student is treated as never having begun attendance; (2) the <span class=\"match\">institution</span> returns all title IV, HEA assistance disbursed to the student for that payment period or period of enrollment; (3) the <span class=\"match\">institution</span> refunds all <span class=\"match\">institutional</span> charges to the student for that payment period or period of enrollment; and (4) the <span class=\"match\">institution</span> writes off or cancels any payment period or period of enrollment balance owed by the student to the <span class=\"match\">institution</span> due to the <span class=\"match\">institution's</span> returning of title"},{"title":"Prohibition on the Use of Reputation Risk by Regulators","type":"Rule","abstract":"The Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation are adopting a final rule to codify the elimination of reputation risk from their supervisory programs. Among other things, the rule prohibits the agencies from criticizing or taking adverse action against an institution on the basis of reputation risk. The rule also prohibits the agencies from requiring, instructing, or encouraging an institution to close an account, to refrain from providing an account, product, or service, or to modify or terminate any product or service on the basis of a person or entity's political, social, cultural, or religious views or beliefs, constitutionally protected speech, or solely on the basis of politically disfavored but lawful business activities perceived to present reputation risk. The rule further forbids the agencies from taking any supervisory action or other adverse action against an institution, a group of institutions, or the institution-affiliated parties of any institution that is designed to punish or discourage an individual or group from engaging in any lawful political, social, cultural, or religious activities, constitutionally protected speech, or, for political reasons, lawful business activities that the agencies or its personnel disagree with or disfavor.","document_number":"2026-06947","html_url":"https://www.federalregister.gov/documents/2026/04/10/2026-06947/prohibition-on-the-use-of-reputation-risk-by-regulators","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-10/pdf/2026-06947.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-06947.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"}],"excerpts":"ii. Benefits From <span class=\"match\">Increased</span> Business Opportunities \n The impact of the rule on regulated <span class=\"match\">institutions</span> will depend on the extent to which reputation risk concerns from regulators may have impacted regulated <span class=\"match\">institutions</span>' behavior in response to regulatory expectations of <span class=\"match\">institutions</span> in managing reputation risk. Based on supervisory experience, the OCC <span class=\"match\">expected</span> that regulated <span class=\"match\">institutions</span> may have internally perceived supervisory expectations regarding reputation risk as a factor in their business decisions. That is, <span class=\"match\">institutions</span> may have let perceptions"},{"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":"percent of the depository <span class=\"match\">institution's</span> leverage buffer standard, and greater than 50 percent of the depository <span class=\"match\">institution's</span> leverage buffer \n 40 percent. \n \n \n Less than or equal to 50 percent of the depository <span class=\"match\">institution's</span> leverage buffer standard, and greater than 25 percent of the depository <span class=\"match\">institution's</span> leverage buffer standard \n 20 percent. \n \n \n Less than or equal to 25 percent of the depository <span class=\"match\">institution's</span> leverage buffer standard \n 0 percent. \n \n \n Continuing the earlier example, assume the depository <span class=\"match\">institution</span> subsidiary described above"},{"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":"depository <span class=\"match\">institutions</span> have leverage ratios between 8 and 9 percent while meeting all other qualifying criteria for the CBLR framework. Under the proposal, these 478 depository <span class=\"match\">institutions</span> would be eligible for the CBLR framework, in addition to the 3,641 depository <span class=\"match\">institutions</span> that currently qualify, which would represent a 13 percent <span class=\"match\">increase</span> in the population of eligible depository <span class=\"match\">institutions</span>. As such, under the proposal, more depository <span class=\"match\">institutions</span> would become eligible for the CBLR framework. \n \n While the proposal would <span class=\"match\">increase</span> the number"}]}