Regulatory Alerts2025-12-04 | 2025-21914Adjusting and Indexing Certain Regulatory Thresholds
The Federal Deposit Insurance Corporation has issued a final rule updating and indexing specific regulatory thresholds across multiple 12 CFR parts to reflect historical inflation. The rule establishes an automatic indexing methodology based on the Consumer Price Index for Urban Wage Earners and Clerical Workers, triggering adjustments every two years or when cumulative inflation exceeds eight percent. Effective January 1, 2026, these changes preserve the real-term applicability of requirements, reducing compliance burdens for smaller institutions while maintaining supervisory focus on larger entities.
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