Expanded Examination Cycle for Certain Small Insured Depository Institutions and U.S. Branches and Agencies of Foreign Banks

What it does

The OCC, Board, and FDIC (collectively, the Agencies) are jointly issuing and requesting public comment on an interim final rule to implement section 903 of the 21st Century ROAD to Housing Act. The interim final rule raises the asset threshold for certain supervised institutions with less than $6 billion in total assets to qualify for an 18-month on-site examination cycle. The interim final rule also makes parallel changes to the Agencies' regulations governing the on- site examination cycle for U.S. branches and agencies of foreign banks, consistent with the International Banking Act of 1978 (IBA).

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

What changed in the regulation

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

12 CFR 4, 12 CFR 208, 12 CFR 211, 12 CFR 337, 12 CFR 347

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

No earlier Federal Register document under regulation identifier 1557-AF59, 3064-AG33, 7100-AH28 since Jan. 1, 2025.

What happens next and when

The interim final rule is effective on September 14, 2026. Comments on the rule must be received by October 14, 2026.

The agency's dates, word for word.

Check it yourself

• The document in the Federal Register
• Docket OCC-2026-0761 on Regulations.gov
• Title 12 on eCFR

The record as published

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