Regulatory Alerts2026-03-19 | FIL-7-2026Regulatory Capital Rule for Category I and II Banking Organizations, Significant Trading Activity, and Optional Adoption
The FDIC, Federal Reserve Board, and OCC jointly proposed a revised regulatory capital framework that simplifies risk-weighted asset measurements for Category I and II banking organizations by replacing internal models with standardized approaches for credit and operational risk, updating market risk and CVA methodologies, and eliminating the dual capital ratio requirement. The proposal allows optional adoption by other banking organizations, removes regulatory capital deductions for mortgage servicing assets, and adjusts dollar thresholds through a pre-determined inflation indexing methodology. Public comments on the revised capital rules are due June 18, 2026.
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