{"abstract":"The Board is inviting public comment on proposed amendments to Regulation O, which governs loans by member banks to their insiders and insiders of their affiliates. The proposed amendments would update and modernize the regulation, increase transparency by clarifying requirements and incorporating existing interpretations, and promote efficiency by reducing regulatory burden. The proposed amendments also would incorporate existing statutory requirements that are not currently reflected in the regulation. Moreover, the proposed amendments would update several outdated dollar-based thresholds in Regulation O and index these thresholds going forward. In addition, the proposed amendments would address the application of Regulation O to member banks that lend to companies that are presumed to be controlled by large asset management companies through passive investment funds. Finally, the proposed amendments would revise and reorganize the regulation to streamline the text and make it more accessible.","action":"Notice of proposed rulemaking with request for public comment.","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"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2026/08/04/2026-15777.html","cfr_references":[{"chapter":null,"citation_url":null,"part":"215","title":12},{"chapter":null,"citation_url":null,"part":"225","title":12}],"citation":"91 FR 49526","comment_url":null,"comments_close_on":"2026-10-05","correction_of":null,"corrections":[],"dates":"Comments must be submitted on or before October 5, 2026.","disposition_notes":null,"docket_ids":["Regulations O and Y","Docket No. R-1896"],"dockets":[],"document_number":"2026-15777","effective_on":null,"end_page":49568,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2026/08/04/2026-15777.xml","html_url":"https://www.federalregister.gov/documents/2026/08/04/2026-15777/loans-to-executive-officers-directors-and-principal-shareholders-of-member-banks-bank-holding","images":{"EP04AU26.006":{"large":"https://img.federalregister.gov/EP04AU26.006/EP04AU26.006_large.png","medium":"https://img.federalregister.gov/EP04AU26.006/EP04AU26.006_medium.png","original_size":"https://img.federalregister.gov/EP04AU26.006/EP04AU26.006_original_size.png"}},"images_metadata":{"EP04AU26.006":{"large":{"identifier":"EP04AU26.006","content_type":"image/png","size":30378,"width":822,"sha":"156014aa5d74da49eca0b9d3f2ffdd53","url":"https://img.federalregister.gov/EP04AU26.006/EP04AU26.006_large.png","height":460},"medium":{"identifier":"EP04AU26.006","content_type":"image/png","size":14076,"width":513,"sha":"d9800e93c9844943506b929de346b699","url":"https://img.federalregister.gov/EP04AU26.006/EP04AU26.006_medium.png","height":287},"original_size":{"identifier":"EP04AU26.006","content_type":"image/png","size":31162,"width":1936,"sha":"796ec1c66489ae46f1d052eb24feb910","url":"https://img.federalregister.gov/EP04AU26.006/EP04AU26.006_original_size.png","height":1084}}},"json_url":"https://www.federalregister.gov/api/v1/documents/2026-15777?publication_date=2026-08-04","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2026-08-04/2026-15777/mods.xml","not_received_for_publication":null,"page_length":43,"page_views":{"count":542,"last_updated":"2026-08-07 12:15:04 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-08-04/pdf/2026-15777.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-15777.pdf?1785761114","publication_date":"2026-08-04","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2026/08/04/2026-15777.txt","regulation_id_number_info":{"7100-AH27":null},"regulation_id_numbers":["7100-AH27"],"regulations_dot_gov_info":{"comments_count":0,"agency_id":"FRS","document_id":"FRS-2026-3334-0001","checked_regulationsdotgov_at":"2026-08-05T17:55:04Z"},"regulations_dot_gov_url":null,"significant":null,"signing_date":null,"start_page":49526,"subtype":null,"title":"Loans to Executive Officers, Directors, and Principal Shareholders of Member Banks; Bank Holding Companies","toc_doc":"Loans to Executive Officers, Directors, and Principal Shareholders of Member Banks; Bank Holding Companies","toc_subject":null,"topics":["Administrative practice and procedure","Banks, banking","Credit","Holding companies","Investments","Penalties","Reporting and recordkeeping requirements","Securities"],"type":"Proposed Rule","volume":91}