Regulatory Alerts2026-03-27 | 2026-05959Regulatory Capital Rule: Category I and II Banking Organizations, Banking Organizations With Significant Trading Activity, and Optional Adoption for Other Banking Organizations
The Office of the Comptroller of the Currency, Federal Reserve Board, and FDIC propose modernizing capital requirements for Category I and II banking organizations while revising the market risk framework for entities with significant trading activity. The proposal enhances risk sensitivity and consistency, simplifies core design elements by eliminating internal models for credit and operational risk, and aligns U.S. standards with Basel Committee guidelines. These changes strengthen the safety and soundness of covered institutions, promote lending across economic cycles, and provide optional adoption pathways for other banking organizations.
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