Loans to Executive Officers, Directors, and Principal Shareholders of Member Banks; Bank Holding Companies

What it does

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 Moreover, the proposed amendments would update several outdated dollar-based thresholds in Regulation O and index these thresholds going forward.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.

The Federal Reserve System's summary, as published in the Federal Register.

What it would change

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

12 CFR 215, 12 CFR 225

Before this

No earlier Federal Register document under regulation identifier 7100-AH27 since Jan. 1, 2025.

Since then:

• Oct. 7, 2026 Notice of proposed rulemaking; extension of comment period. Loans to Executive Officers, Directors, and Principal Shareholders of Member Banks: Bank Holding Companies

What happens next and when

Comments must be submitted on or before October 5, 2026.

The agency's dates, word for word.

Check it yourself

• The document in the Federal Register
• Title 12 on eCFR

The record as published

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