Regulatory Alerts2025-09-11
Small and Medium-Sized Deposit-Taking Institutions Capital and Liquidity Requirements Guideline
The Office of the Superintendent of Financial Institutions (OSFI) issued this guideline to establish proportional capital and liquidity standards for federally regulated small and medium-sized deposit-taking institutions. It segments these entities into three categories based on total assets, loan volumes, and derivative exposures to determine applicable risk-based capital ratios, leverage metrics, and liquidity coverage requirements. By mapping existing Capital Adequacy, Leverage, and Liquidity frameworks to each category, the guideline ensures consistent oversight while granting OSFI discretionary authority to adjust requirements based on evolving risk profiles.
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