{"abstract":"The Office of the Comptroller of the Currency (OCC), the Board of Governors of the Federal Reserve System (Board), and the Federal Deposit Insurance Corporation (FDIC) (together, the agencies) are adopting a final rule to revise the criteria for determining the applicability of regulatory capital and liquidity requirements for large U.S. banking organizations and the U.S. intermediate holding companies of certain foreign banking organizations. The final rule establishes four risk-based categories for determining the applicability of requirements under the agencies' regulatory capital rule and liquidity coverage ratio (LCR) rule. Under the final rule, such requirements increase in stringency based on measures of size, cross-jurisdictional activity, weighted short-term wholesale funding, nonbank assets, and off-balance sheet exposure. The final rule applies tailored regulatory capital and liquidity requirements to depository institution holding companies and U.S. intermediate holding companies with $100 billion or more in total consolidated assets as well as to certain depository institutions. Separately, the Board is adopting a final rule that revises the criteria for determining the applicability of enhanced prudential standards for large domestic and foreign banking organizations using a risk-based category framework that is consistent with the framework described in this final rule, and makes additional modifications to the Board's company-run stress test and supervisory stress test rules. In addition, the Board and the FDIC are separately adopting a final rule that amends the resolution planning requirements under section 165(d) of the Dodd-Frank Wall Street Reform and Consumer Protection Act using a risk-based category framework that is consistent with the framework described in this final rule.","action":"Final rule.","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/2019/11/01/2019-23800.html","cfr_references":[{"chapter":null,"citation_url":null,"part":3,"title":12},{"chapter":null,"citation_url":null,"part":50,"title":12},{"chapter":null,"citation_url":null,"part":217,"title":12},{"chapter":null,"citation_url":null,"part":249,"title":12},{"chapter":null,"citation_url":null,"part":324,"title":12},{"chapter":null,"citation_url":null,"part":329,"title":12}],"citation":"84 FR 59230","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"The final rule is effective December 31, 2019.","disposition_notes":null,"docket_ids":["Docket ID OCC-2019-0009","Regulations Q, WW","Docket No. R-1628"],"dockets":[],"document_number":"2019-23800","effective_on":"2019-12-31","end_page":59283,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2019/11/01/2019-23800.xml","html_url":"https://www.federalregister.gov/documents/2019/11/01/2019-23800/changes-to-applicability-thresholds-for-regulatory-capital-and-liquidity-requirements","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2019-23800?publication_date=2019-11-01","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2019-11-01/2019-23800/mods.xml","not_received_for_publication":null,"page_length":54,"page_views":{"count":19446,"last_updated":"2026-04-18 06:15:03 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2019-11-01/pdf/2019-23800.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2019-23800.pdf?1572525918","publication_date":"2019-11-01","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2019/11/01/2019-23800.txt","regulation_id_number_info":{"3064-AE96":{"issue":"201904","html_url":"https://www.federalregister.gov/regulations/3064-AE96/proposed-changes-to-applicability-thresholds-for-regulatory-capital-and-liquidity-requirements-","title":"Proposed Changes to Applicability Thresholds for Regulatory Capital and Liquidity Requirements ","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201904&RIN=3064-AE96&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"},"1557-AE63":{"issue":"201904","html_url":"https://www.federalregister.gov/regulations/1557-AE63/proposed-liquidity-requirements-for-the-state-and-federal-branch-and-agency-networks-of-foreign-bank","title":"Proposed Liquidity Requirements for the State and Federal Branch and Agency Networks of Foreign Banking Organizations","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201904&RIN=1557-AE63&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"},"7100-AF21":{"issue":"201904","html_url":"https://www.federalregister.gov/regulations/7100-AF21/proposed-changes-to-applicability-thresholds-for-regulatory-capital-and-liquidity-requirements-docke","title":"Proposed Changes to Applicability Thresholds for Regulatory Capital and Liquidity Requirements (Docket No. R-1628)","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201904&RIN=7100-AF21&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"}},"regulation_id_numbers":["1557-AE63","3064-AE96","7100-AF21"],"regulations_dot_gov_info":{"supporting_documents":[{"title":"Summary of 08.06.2019 meeting with MUFG","document_id":"OCC-2019-0009-0038"},{"title":"Summary of 07.31.2019 meeting with BNP","document_id":"OCC-2019-0009-0037"},{"title":"Summary of 07.29.2019 meeting with BPI","document_id":"OCC-2019-0009-0036"},{"title":"Summary of 08.7.2019 meeting with RBC","document_id":"OCC-2019-0009-0034"},{"title":"Summary of 07.16.2019 meeting with TD Bank","document_id":"OCC-2019-0009-0033"},{"title":"Summary of 07.23.2019 meeting with IIB","document_id":"OCC-2019-0009-0032"},{"title":"Summary of 07.19.2019 meeting with Mizuho","document_id":"OCC-2019-0009-0031"},{"title":"Summary of 06.12.2019 meeting with UBS","document_id":"OCC-2019-0009-0005"},{"title":"Summary of 05.20.2019 meeting with FBOs","document_id":"OCC-2019-0009-0003"},{"title":"Summary of 5.20.19  Meeting with European Banking Federation","document_id":"OCC-2019-0009-0002"}],"comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=OCC-2019-0009","supporting_documents_count":10,"docket_id":"OCC-2019-0009","regulation_id_number":null,"title":"Changes to Applicability Thresholds for Regulatory Capital Requirements for Certain U.S. Subsidiaries of Foreign Banking Organizations and Application of Liquidity Requirements to Foreign Banking Organizations, Certain U.S. Depository Institution Holding Companies, and Certain Depository Institution Subsidiaries","checked_regulationsdotgov_at":"2019-11-10T13:30:10Z"},"regulations_dot_gov_url":null,"significant":false,"signing_date":null,"start_page":59230,"subtype":null,"title":"Changes to Applicability Thresholds for Regulatory Capital and Liquidity Requirements","toc_doc":"Changes to Applicability Thresholds for Regulatory Capital and Liquidity Requirements","toc_subject":null,"topics":["Administrative practice and procedure","Banks, banking","Banks, banking","Banks, banking","Banks, banking","Federal Reserve System","Holding companies","National banks","Reporting and recordkeeping requirements","Securities"],"type":"Rule","volume":84}