2026-03-27 | 2026-05959

Regulatory Capital Rule: Category I and II Banking Organizations, Banking Organizations With Significant Trading Activity, and Optional Adoption for Other Banking Organizations

The OCC, Federal Reserve, and FDIC propose to modernize capital requirements for Category I and II banking organizations and revise the market risk framework for those with significant trading activity. The proposal aims to enhance risk sensitivity and consistency while simplifying core design elements, including the removal of internal models for credit and operational risk. These changes align U.S. standards with international Basel framework updates to support financial stability and lending activities across economic conditions.

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