Regulatory Alerts2025-12-19 | 2025-23390Regulation D: Reserve Requirements of Depository Institutions
The Board of Governors of the Federal Reserve System has adopted final amendments to Regulation D to revise the interest rate paid on reserve balances. The rule establishes the IORB rate at 3.65 percent, a 0.25 percentage point decrease from the prior level of 3.90 percent. This adjustment aligns with the Federal Open Market Committee's decision to lower the federal funds rate target range to 3.5 to 3.75 percent.
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