Regulatory Capital Rule: Community Bank Leverage Ratio Framework

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 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.

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

What changed in the regulation

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

12 CFR 3, 12 CFR 217, 12 CFR 324

Wording on eCFR: the day before it took effect and from the day it took effect (first part listed).

Compared with

The Comptroller of the Currency has published 12 final rules in 2026 so far, compared with 5 in all of 2025.

Counted by the Tribune from Federal Register records since Jan. 1, 2025.

Before this

1 earlier Federal Register document under regulation identifier 1557-AF33, 3064-AG17, 7100-AH08 since Jan. 1, 2025.

• Dec. 1, 2025 Notice of proposed rulemaking. Regulatory Capital Rule: Revisions to the Community Bank Leverage Ratio Framework

What happens next and when

The final rule is effective July 1, 2026.

The agency's dates, word for word.

Check it yourself

• The document in the Federal Register
• Docket OCC-2025-0141 on Regulations.gov
• Title 12 on eCFR

The record as published

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