Rule · FRB · 12 Sep 2026 · 2026-18766

Expanded Examination Cycle for Certain Small Insured Depository Institutions and U.S. Branches and Agencies of Foreign Banks

In force from 14 Sep 2026Applies to: Commercial bank, Foreign bank branch

The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation are jointly issuing an interim final rule, effective September 14, 2026, and requesting public comments by October 14, 2026. This rule implements section 903 of the 21st Century ROAD to Housing Act by raising the asset threshold from less than $3 billion to less than $6 billion for qualifying insured depository institutions to be eligible for an 18-month on-site examination cycle. Parallel changes are also made to the regulations governing the on-site examination cycle for U.S. branches and agencies of foreign banks, increasing their asset threshold for eligibility to less than $6 billion.

US FederalFederal Reserve Board

Lineage: No known changes

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Consumer Protection Act (EconomicGrowth Act), Public Law 115–174Not in RegAlert · 2018Consumer Protection Act (Economic Growth Act), Public Law 115–174 — Not in RegAlert · 2018Law No. 119–101 of 2026Not in RegAlertLaw No. 119–101 of 2026 — Not in RegAlertExpanded Examination Cycle forCertain Small Insured Deposit…2026-09-12 · this documentExpanded Examination Cycle for Certain Small Insured Depository Institutions and U.S. Branches and Agencies of Foreign Banks (2026-09-12)
amendssupersedesissued underrefers todashed card: not in RegAlert (or proposed)arrows run from the older text to the one that changes it
The links and the sentences they come from (2)
Issued under
  • Consumer Protection Act (Economic Growth Act), Public Law 115–174Not in RegAlert · 2018

    “See section 210 of the Economic Growth, Regulatory Relief, and Consumer Protection Act (Economic Growth Act), Public Law 115–174, 132 Stat. 1296 (2018)”

  • Law No. 119–101 of 2026Not in RegAlert

    “The OCC, Board, and FDIC (collectively, the Agencies) are jointly issuing and requesting public comment on an interim final rule to implement section 903 of the 21st Century ROAD to Housing Act.”

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