{"abstract":"The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation (collectively, the agencies) are adopting a final rule that permits insured depository institutions and depository institution holding companies not subject to the advanced approaches capital rule to implement certain provisions of the final rule titled Regulatory Capital: Simplifications to the Capital Rule Pursuant to the Economic Growth and Regulatory Paperwork Reduction Act of 1996, which was issued by the agencies in July 22, 2019, (Capital Simplifications Final Rule) on January 1, 2020, rather than April 1, 2020, as initially provided. Consistent with this approach, the transitions provisions of the regulatory capital rule are being amended to provide that banking organizations not subject to the advanced approaches capital rule will be permitted to implement the Capital Simplifications Final Rule as of its revised effective date in the quarter beginning January 1, 2020, or to wait until the quarter beginning April 1, 2020.","action":"Final rule, announcement of effective date, early adoption.","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"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2019/11/13/2019-23467.html","cfr_references":[{"chapter":null,"citation_url":null,"part":3,"title":12},{"chapter":null,"citation_url":null,"part":217,"title":12},{"chapter":null,"citation_url":null,"part":324,"title":12}],"citation":"84 FR 61804","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"This rule is effective January 1, 2020. The effective date for the amendments to 12 CFR 3.21, 3.22, 3.300(b) and (d), 217.21, 217.22, 217.300(b) and (d), 324.21, 324.22, and 324.300(b) and (d) published on July 22, 2019 (84 FR 35234), is changed from April 1, 2020, to January 1, 2020.","disposition_notes":null,"docket_ids":["Docket ID OCC-2017-0018","Regulation Q","Docket No. R-1576"],"dockets":[],"document_number":"2019-23467","effective_on":"2020-01-01","end_page":61808,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2019/11/13/2019-23467.xml","html_url":"https://www.federalregister.gov/documents/2019/11/13/2019-23467/regulatory-capital-rule-simplifications-to-the-capital-rule-pursuant-to-the-economic-growth-and","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2019-23467?publication_date=2019-11-13","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2019-11-13/2019-23467/mods.xml","not_received_for_publication":null,"page_length":5,"page_views":{"count":1173,"last_updated":"2026-08-26 14:15:05 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2019-11-13/pdf/2019-23467.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2019-23467.pdf?1573566315","publication_date":"2019-11-13","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2019/11/13/2019-23467.txt","regulation_id_number_info":{"1557-AE70":null,"3064-AF18":null,"7100-AE74":{"issue":"201904","html_url":"https://www.federalregister.gov/regulations/7100-AE74/regulation-q-simplified-regulatory-capital-docket-no-r-1576-","title":"Regulation Q--Simplified Regulatory Capital (Docket No: R-1576)","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201904&RIN=7100-AE74&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"}},"regulation_id_numbers":["1557-AE70","3064-AF18","7100-AE74"],"regulations_dot_gov_info":{"checked_regulationsdotgov_at":"2019-11-15T10:00:10Z"},"regulations_dot_gov_url":null,"significant":false,"signing_date":null,"start_page":61804,"subtype":null,"title":"Regulatory Capital Rule: Simplifications to the Capital Rule Pursuant to the Economic Growth and Regulatory Paperwork Reduction Act of 1996; Revised Effective Date","toc_doc":"Simplifications to the Capital Rule Pursuant to the Economic Growth and Regulatory Paperwork Reduction Act of 1996; Revised Effective Date","toc_subject":"Regulatory Capital Rule:\n","topics":["Administrative practice and procedure","Banks, banking","Holding companies","Savings associations"],"type":"Rule","volume":84}