{"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.","action":"Final rule.","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"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2026/04/29/2026-08298.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":"91 FR 22973","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"The final rule is effective July 1, 2026.","disposition_notes":null,"docket_ids":["Docket ID OCC-2025-0141","Docket No. R-1876"],"dockets":[{"supporting_documents":[],"agency_name":"OCC","documents":[{"comment_count":0,"comment_start_date":"2026-04-29","updated_at":"2026-04-29T13:56:39.671-04:00","comment_url":"https://www.regulations.gov/commenton/OCC-2025-0141-0026","allow_late_comments":false,"id":"OCC-2025-0141-0026","comment_end_date":null,"regulations_dot_gov_open_for_comment":false}],"supporting_documents_count":0,"id":"OCC-2025-0141","title":"Regulatory Capital Rule: Revisions to the Community Bank Leverage Ratio Framework"}],"document_number":"2026-08298","effective_on":"2026-07-01","end_page":22989,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2026/04/29/2026-08298.xml","html_url":"https://www.federalregister.gov/documents/2026/04/29/2026-08298/regulatory-capital-rule-community-bank-leverage-ratio-framework","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2026-08298?publication_date=2026-04-29","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2026-04-29/2026-08298/mods.xml","not_received_for_publication":null,"page_length":17,"page_views":{"count":541,"last_updated":"2026-05-04 10:15:06 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-29/pdf/2026-08298.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-08298.pdf?1777380314","publication_date":"2026-04-29","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2026/04/29/2026-08298.txt","regulation_id_number_info":{"3064-AG17":null,"1557-AF33":null,"7100-AH08":null},"regulation_id_numbers":["1557-AF33","3064-AG17","7100-AH08"],"regulations_dot_gov_info":{"supporting_documents":[],"comments_count":0,"agency_id":"OCC","comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=OCC-2025-0141","supporting_documents_count":0,"docket_id":"OCC-2025-0141","document_id":"OCC-2025-0141-0026","regulation_id_number":"1557-AF33","title":"Regulatory Capital Rule: Revisions to the Community Bank Leverage Ratio Framework","checked_regulationsdotgov_at":"2026-04-30T16:55:11Z"},"regulations_dot_gov_url":null,"significant":null,"signing_date":null,"start_page":22973,"subtype":null,"title":"Regulatory Capital Rule: Community Bank Leverage Ratio Framework","toc_doc":"Community Bank Leverage Ratio Framework","toc_subject":"Regulatory Capital Rule","topics":["Administrative practice and procedure","Banks, banking","Confidential business information","Holding companies","Investments","National banks","Reporting and recordkeeping requirements","Savings associations","Securities"],"type":"Rule","volume":91}