Regulatory Capital Rule: Category I and II Banking Organizations, Banking Organizations With Significant Trading Activity, and Optional Adoption for Other Banking Organizations

What it does

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.

The Comptroller of the Currency's summary, as published in the Federal Register.

What it would change

9 parts of Title 12 of the Code of Federal Regulations:

12 CFR 3, 12 CFR 6, 12 CFR 32, 12 CFR 208, 12 CFR 217, 12 CFR 225, 12 CFR 238, 12 CFR 252, 12 CFR 324

Before this

No earlier Federal Register document under regulation identifier 1557-AF52, 3064-AF29, 7100-AH20 since Jan. 1, 2025.

What happens next and when

Comments must be received by June 18, 2026.

The agency's dates, word for word.

Check it yourself

• The document in the Federal Register
• Docket OCC-2026-0265 on Regulations.gov
• Title 12 on eCFR

The record as published

Source: the Federal Register (public domain). The document in the Federal Register