Recent Regulatory Amendments

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Recent Regulatory Amendments

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All Regulations About Regulations Recent Regulatory Amendments Compliance Guides

Extensions of Credit by Federal Reserve Banks

Amendments reflecting the Board’s approval of a decrease in the primary credit rate at each Federal Reserve Bank and the automatic decrease in the secondary credit rate (effective September 25, 2024)
Notice (PDF) │ Correction (PDF)

Amendments reflecting the Board’s approval of an increase in the primary credit rate at each Federal Reserve Bank and the automatic increase in the secondary credit rate (effective August 2, 2023)
Notice (PDF)

Amendments reflecting the Board’s approval of a decrease in the primary credit rate at each Reserve Bank and the automatic decrease in the secondary credit rate (effective March 24, 2020)
Notice

Amendments reflecting the Board’s approval of a decrease in the primary credit rate at each Reserve Bank and the automatic decrease in the secondary credit rate (effective March 10, 2020)
Notice

Amendments reflecting the Board's approval of a decrease in the primary credit rate at each Federal Reserve Bank and the automatic decrease in the secondary credit rate (effective October 3, 2019)
Notice (PDF)

Amendments reflecting the Board's approval of an increase in the primary credit rate (to 2.50 percent) at each Federal Reserve Bank and the automatic increase in the secondary credit rate (to 3.00 percent) (effective June 20, 2018)
Notice

Technical amendments including to reflect the expiration of the Term Asset Backed Securities Loan Facility (TALF) program (effective June 8, 2018)
Press release and notice

Amendments reflecting the Board's approval of an increase in the primary credit rate (to 1.75 percent) at each Federal Reserve Bank and the automatic increase in the secondary credit rate (to 2.25 percent) (effective June 26, 2017)
Notice

Amendments reflecting the Board's approval of an increase in the primary credit rate (to 1.50 percent) at each Federal Reserve Bank and the automatic increase in the secondary credit rate (to 2.00 percent) (effective April 18, 2017)
Notice

Amendments reflecting the Board's approval of an increase in the primary credit rate (to 1.25 percent) at each Federal Reserve Bank and the automatic increase in the secondary credit rate (to 1.75 percent) (effective January 23, 2017)
Notice

Amendments to specify procedures for emergency lending (effective January 1, 2016)
Press release and notice

Amendments reflecting the Board's approval of an increase in the primary credit rate (to 0.75 percent) at each Federal Reserve Bank and the automatic increase in the secondary credit rate (to 1.25 percent) (effective March 1, 2010)
Press release

Amendment establishing a process by which the Federal Reserve Bank of New York may determine the eligibility of credit rating agencies for the Term Asset-Backed Securities Loan Facility (effective December 9, 2009)
Notice

Amendments reflecting the Board's approval of a decrease in the primary credit rate (to 0.50 percent) at each Federal Reserve Bank and the automatic decrease in the secondary credit rate (to 1.00 percent) (effective December 29, 2008)
Notice

Amendments reflecting the Board's approval of a decrease in the primary credit rate (to 1.75 percent) at each Federal Reserve Bank and the automatic increase in the secondary credit rate (to 2.25 percent) (effective October 17, 2008)
Notice

Amendment reflecting the Board's approval of a decrease in the primary credit rate (to 2.25 percent) at each Reserve Bank and the automatic decrease in the secondary credit rate (to 2.75 percent) (effective May 7, 2008)
Notice

Amendment reflecting the Board's approval of a decrease in the primary credit rate (to 2.50 percent) at each Reserve Bank and the automatic decrease in the secondary credit rate (to 3.00 percent) (effective March 26, 2008)
Notice

Amendment reflecting the Board's approval of a decrease in the primary credit rate (to 3.50 percent) at each Reserve Bank and the automatic decrease in the secondary credit rate (to 4.00 percent) (effective February 7, 2008)
Notice

Amendment reflecting the Board's approval of an decrease in the primary credit rate (to 4.00 percent) at each Reserve Bank and the automatic decrease in the secondary credit rate (to 4.5 percent) (effective January 31, 2007)
Notice

Amendment reflecting the Board's approval of an decrease in the primary credit rate (to 4.75 percent) at each Reserve Bank and the automatic decrease in the secondary credit rate (to 5.25 percent) (effective December 19, 2007)
Notice

Amendment to allow the Board to authorize a temporary term auction facility, a credit facility that allows a depository institution to obtain an advance from its local Federal Reserve Bank at an interest rate determined as the result of an auction (effective December 12, 2007)
Notice

Amendment reflecting the Board's approval of an decrease in the primary credit rate (to 5 percent) at each Reserve Bank and the automatic decrease in the secondary credit rate (to 5.5 percent) (effective November 8, 2007)
Notice

Amendment reflecting the Board's approval of an decrease in the primary credit rate (to 5.25 percent) at each Reserve Bank and the automatic decrease in the secondary credit rate (to 5.75 percent) (effective September 27, 2007)
Notice | Correction

Amendment reflecting the Board's approval of an decrease in the primary credit rate (to 5.75 percent) at each Reserve Bank and the automatic decrease in the secondary credit rate (to 6.25 percent) (effective August 24, 2007)
Notice

Amendment reflecting the Board's approval of an increase in the primary credit rate (to 6.25 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 6.75 percent) (effective July 13, 2006)
Notice

Amendment reflecting the Board's approval of an increase in the primary credit rate (to 6 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 6.5 percent) (effective May 17, 2006)
Notice

Amendment reflecting the Board's approval of an increase in the primary credit rate (to 5.75 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 6.25 percent) (effective April 5, 2006)
Notice

Amendment reflecting the Board's approval of an increase in the primary credit rate (to 5.5 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 6 percent) (effective February 8, 2006)
Notice

Amendment reflecting the Board's approval of an increase in the primary credit rate (to 5.25 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 5.75 percent) (effective December 20, 2005)
Notice

Amendment reflecting the Board's approval of an increase in the primary credit rate (to 5 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 5.5 percent) (effective November 14, 2005)
Notice

Amendment reflecting the Board's approval of an increase in the primary credit rate (to 4.75 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 5.25 percent) (effective September 28, 2005)
Notice

Amendment reflecting the Board's approval of an increase in the primary credit rate (to 4.5 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 5 percent) (effective August 17, 2005)
Notice

Amendment reflecting the Board's approval of an increase in the primary credit rate (to 4.25 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 4.75 percent) (effective July 8, 2005)
Notice

Amendment reflecting the Board's approval of an increase in the primary credit rate (to 4 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 4.5 percent) (effective May 9, 2005)
Notice

Amendment reflecting the Board's approval of an increase in the primary credit rate (to 3.75 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 4.25 percent) (effective March 30, 2005)
Notice

Amendment reflecting the Board's approval of an increase in the primary credit rate (to 3.5 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 4 percent) (effective February 9, 2005)
Notice

Amendment reflecting the Board's approval of an increase in the primary credit rate (to 3.25 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 3.75 percent) (effective December 20, 2004)
Notice

Amendment reflecting the Board's approval of an increase in the primary credit rate (to 3 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 3.5 percent) (effective November 19, 2004)
Notice

Amendment reflecting the Board's approval of an increase in the primary credit rate (to 2.75 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 3.25 percent) (effective September 28, 2004)
Notice

Amendment reflecting the Board's approval of an increase in the primary credit rate (to 2.5 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 3 percent) (effective August 17, 2004)
Notice

Amendment reflecting the Board's approval of an increase in the primary credit rate (to 2.25 percent) at each Reserve Bank and the automatic increase in the secondary credit rate (to 2.75 percent) (effective July 9, 2004)
Notice

Amendment reflecting the Board's approval of a decrease in the primary credit rate (to 2 percent) at each Reserve Bank and the automatic decrease in the secondary credit rate (to 2.5 percent) (effective July 10, 2003)
Notice

Amendment revising the Federal Reserve's discount window programs and reorganizing and streamlining the regulation (effective January 9, 2003)
Press release and notice

Equal Credit Opportunity

Amendment clarifying that motor vehicle dealers are not required to comply with new data collection requirements in the Dodd–Frank Act until final regulations are issued to implement the statutory requirements
Press release and notice

Amendments implementing the credit score disclosure requirements of the Dodd-Frank Act
Press release and notice

Amendments updating the address where questions should be directed concerning creditors for which the Federal Deposit Insurance Corporation administers compliance with the regulation (effective July 1, 2011)
Notice

Amendments updating the address where questions should be directed concerning creditors for which the Office of Thrift Supervision administers compliance with the regulation (effective October 17, 2008)
Notice

Amendments updating the address where questions should be directed concerning creditors for which the Federal Reserve System administers compliance with the Regulation. (effective June 13, 2008)
Notice

Amendments to clarify the requirements concerning electronic delivery of disclosures (effective December 10, 2007, and January 14, 2008)
Press release and notice | Technical amendment

Amendment to update the contact information for inquiries about creditors for which the Federal Reserve is the enforcement agency (effective October 29, 2007)
Notice

Technical amendments updating the addresses of certain federal enforcement agencies (effective May 17, 2006)
Notice

Comprehensive amendments pursuant to the Board's policy of periodically reviewing and updating its regulations (effective April 15, 2003; compliance mandatory April 15, 2004)
Press release and notice

(Repealed)

Press release and notice (effective January 22, 2018)

Reserve Requirements of Depository Institutions

Amendment to revise the rate of interest paid on balances maintained at Federal Reserve Banks by or on behalf of eligible institutions (effective September 25, 2024)
Notice (PDF)

Amendment to reflect the annual indexing of the reserve requirement exemption amount and the low reserve tranche for 2024 (effective date: December 29, 2023; compliance date: January 1, 2024)
Press release and notice

Amendment to revise the rate of interest paid on balances maintained at Federal Reserve Banks by or on behalf of eligible institutions (effective August 2, 2023)
Notice (PDF)

Amendments to conform the provisions of two sections of Regulation D to prior regulatory amendments (effective July 14, 2023)
Notice (PDF)

Amendment to revise the rate of interest paid on balances maintained at Federal Reserve Banks by or on behalf of eligible institutions (effective May 11, 2023)
Notice (PDF)

Amendment to revise the rate of interest paid on balances maintained at Federal Reserve Banks by or on behalf of eligible institutions (effective March 29, 2023)
Notice (PDF)

Amendment to revise the rate of interest paid on balances maintained at Federal Reserve Banks by or on behalf of eligible institutions (effective February 8, 2023)
Notice (PDF)

Amendment to revise the rate of interest paid on balances maintained at Federal Reserve Banks by or on behalf of eligible institutions (effective January 13, 2023)
Notice (PDF)

Amendment to reflect the annual indexing of the reserve requirement exemption amount and the low reserve tranche for 2023 (effective January 3, 2023)
Press release and notice

Amendment to revise the rate of interest paid on balances maintained at Federal Reserve Banks by or on behalf of eligible institutions (effective November 17, 2022)
Notice (PDF)

Amendment to revise the rate of interest paid on balances maintained at Federal Reserve Banks by or on behalf of eligible institutions (effective October 7, 2022)
Notice (PDF)

Amendment to revise the rate of interest paid on balances maintained at Federal Reserve Banks by or on behalf of eligible institutions (effective August 9, 2022)
Notice (PDF)

Amendment to revise the rate of interest paid on balances maintained at Federal Reserve Banks by or on behalf of eligible institutions (effective June 29, 2022)
Notice (PDF)

Amendment to revise the rate of interest paid on balances maintained at Federal Reserve Banks by or on behalf of eligible institutions (effective May 16, 2022)
Notice (PDF)

Amendment to revise the rate of interest paid on balances maintained at Federal Reserve Banks by or on behalf of eligible institutions (effective April 18, 2022)
Notice (PDF)

Amendment to reflect the annual indexing of the reserve requirement exemption amount and the low reserve tranche for 2022 (effective January 7, 2022)
Notice (PDF)

Amendment to revise the rate of interest paid on balances maintained at Federal Reserve Banks by or on behalf of eligible institutions ("IORB" rate) (effective September 8, 2021)
Notice

Amendment to revise the rate of interest paid on balances maintained to satisfy reserve balance requirements (IORR) and the rate of interest paid on excess balances (IOER) maintained at Federal Reserve Banks by or on behalf of eligible institutions (effective July 23, 2021)
Notice

Amendment to eliminate references to an interest on required reserves (IORR) rate and to an interest on excess reserves (IOER) rate and replace them with a single interest on reserve balances (IORB) rate, and other minor conforming amendments (effective July 29, 2021)
Press release and notice

Amendment to lower reserve requirement ratios on transaction accounts maintained at depository institutions to zero percent (effective March 12, 2021)
Press release and notice

Amendment to reflect the annual indexing of the reserve requirement exemption amount and the low reserve tranche for 2021 (effective January 11, 2021)
Press release and notice

Amendment to delete the six-per-month limit on convenient transfers from the "savings deposit" definition (effective April 24, 2020; comments due June 29, 2020)
Press release and notice

Amendment to reflect the annual indexing of the reserve requirement exemption amount and the low reserve tranche for 2020 (effective December 26, 2019)
Press release and notice

Amendments to revise the rate of interest paid on balances maintained to satisfy reserve balance requirements (to 1.80 percent) and the rate of interest paid on excess balances (to 1.80 percent) maintained at Federal Reserve Banks by or on behalf of eligible institutions (effective October 3, 2019)
Notice (PDF)

Amendments to revise the rate of interest paid on balances maintained to satisfy reserve balance requirements (to 2.10 percent) and the rate of interest paid on excess balances (to 2.10 percent) maintained at Federal Reserve Banks by or on behalf of eligible institutions (effective August 12, 2019)
Notice (PDF)

Amendments to reflect the annual indexing of the reserve requirement exemption amount and the low reserve tranche for 2019 (effective November 29, 2018)
Press release and notice

Amendments to increase the rate of interest paid on balances maintained to satisfy reserve balance requirements (to 1.95 percent) and the rate of interest paid on excess balances (to 1.95 percent) maintained at Federal Reserve Banks by or on behalf of eligible institutions (effective June 20, 2018)
Notice

Amendments to reflect the annual indexing of the reserve requirement exemption amount and the low reserve tranche for 2018 (effective December 8, 2017)
Press release and notice

Amendments to increase the rate of interest paid on balances maintained to satisfy reserve balance requirements (to 1.25 percent) and the rate of interest paid on excess balances (to 1.25 percent) maintained at Federal Reserve Banks by or on behalf of eligible institutions (effective June 26, 2017)
Notice

Amendments to increase the rate of interest paid on balances maintained to satisfy reserve balance requirements (to 1.00 percent) and the rate of interest paid on excess balances (to 1.00 percent) maintained at Federal Reserve Banks by or on behalf of eligible institutions (effective April 18, 2017)
Notice

Amendments to revise the rate of interest paid on balances maintained to satisfy reserve balance requirements and the rate of interest paid on excess balances maintained at Federal Reserve Banks by or on behalf of eligible institutions (effective January 23, 2017; rate changes effective December 15, 2016)
Notice

Amendments to reflect the annual indexing of the reserve requirement exemption amount and the low reserve tranche for 2017 (effective January 18, 2017)
Press release and notice

Amendment to reflect the annual indexing of the reserve requirement exemption amount and the low reserve tranche for 2016 (effective December 17, 2015)
Press release and notice

Amendment to make changes to the calculation of interest payments on excess balances maintained by depository institutions at Federal Reserve Banks (effective July 23, 2015)
Press release and notice

Amendment to reflect the annual indexing of the reserve requirement exemption amount and the low reserve tranche for 2015, and to change the nonexempt deposit cutoff level and the reduced reporting limit (effective December 17, 2014)
Press release and notice

Amendment to reflect the annual indexing of the reserve requirement exemption amount and the low reserve tranche for 2014, and to change the nonexempt deposit cutoff level and the reduced reporting limit (effective December 5, 2013)
Press release and notice

Amendment to reflect the annual indexing of the reserve requirement exemption amount and the low reserve tranche for 2013, and to change the nonexempt deposit cutoff level and the reduced reporting limit (effective November 30, 2012)
Press release and notice

Amendment to simplify the administration of reserve requirements and reduce administrative and operational costs (effective July 12, 2012; certain amendments effective January 24, 2013, are delayed until June 27, 2013)
Press release and notice | Effective date delayed

Amendment to reflect the annual indexing of the reserve requirement exemption amount and the low reserve tranche for 2012
Press release and notice

Amendments to remove references to Regulation Q (effective July 21, 2011)
Press release and notice

Amendment to reflect the annual indexing of the reserve requirement exemption amount and the low reserve tranche for 2011 (effective November 26, 2010)
Press release and notice

Amendments authorizing the Reserve Banks to offer term deposits
Press release and notice

Amendment to reflect the annual indexing of the reserve requirement exemption amount and the low reserve tranche for 2010, and to change the nonexempt deposit cutoff level and the reduced reporting limit (effective November 16, 2009)
Press release and notice

Amendment (1) directing Federal Reserve Banks to pay interest on certain balances held at Federal Reserve Banks by or on behalf of certain depository institutions and (2) authorizing the establishment of limited-purpose accounts, called "excess balance accounts" (effective July 2, 2009)
Notice

Amendments to Regulations D and I (1) conforming Regulation D to section 603 of the Financial Services Regulatory Relief Act of 2006, (2) revising restrictions on the types and number of transfers and withdrawals that may be made from savings deposits, and (3) making other clarifying changes (effective July 2, 2009)
Notice (PDF)

Interim rule revising the rate for earnings on required reserve balances and excess balances of eligible institutions and providing that the rates may be revised by the Board from time to time (effective December 23, 2008)
Notice

Interim rule, under authority of section 128 of the Emergency Economic Stabilization Act of 2008, directing Federal Reserve Banks to pay interest on balances held at Reserve Banks to satisfy reserve requirements and on balances held in excess of required reserve balances and clearing balances (effective October 9, 2008, comments due November 21, 2008)
Press release and notice

Amendments setting the amount of total reservable liabilities of each depository institution subject to a zero percent reserve requirement and setting the amount of net transaction accounts at each depository institution subject to a three percent reserve requirement (effective November 3, 2008)
Notice

Amendment making annual adjustments to the amount of net transaction accounts used in calculating reserve requirements (effective October 31, 2007)
Press release and notice

Amendment revising the interpretation that sets out criteria for the bankers' bank exemption from reserve requirements (effective May 7, 2007)
Press release and notice

Amendment making annual adjustments to the amount of net transaction accounts used in calculating reserve requirements (effective November 24, 2006)
Press release and notice

Amendments (1) making annual adjustments to the amount of net transaction accounts used in calculating reserve requirements and (2) increasing the nonexempt deposit cutoff level and the reduced reporting limit, which are used to determine the frequency with which depository institutions must submit deposit reports (effective November 7, 2005)
Press release and notice

Amendment making annual adjustments to the amount of net transaction accounts used in calculating reserve requirements (effective November 12, 2004)
Press release and notice

Amendment making annual adjustments to the amount of net transaction accounts used in calculating reserve requirements (effective November 6, 2003)
Press release and notice

Amendment conforming the calculation of penalties for reserve deficiencies to the new discount-rate framework (effective January 9, 2003)
Press release and notice

Electronic Fund Transfers

Amendment to modify the effective date of certain disclosure requirements applicable to gift cards (effective November 29, 2010)
Press release and notice

Interim rule implementing legislation that modifies the effective date of certain disclosure requirements in the gift card provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009 (effective August 22, 2010, comments due September 16, 2010)
Press release and notice

Amendments to restrict the fees and expiration dates that may apply to gift cards (effective August 22, 2010)
Press release and notice

Amendments to clarify certain aspects of the final rule published on November 17, 2009, pertaining to overdraft services (effective July 6, 2010)
Press release and notice | Correction

Amendments to limit the ability of a financial institution to assess an overdraft fee for paying ATM and one-time debit card transactions that overdraw a consumer's account
Press release and notice

Amendments to clarify the requirements concerning electronic delivery of disclosures (effective December 10, 2007)
Press release and notice

To except transactions of $15 or less from the requirement that receipts be made available to consumers for transactions initiated at an electronic terminal (effective August 6, 2007)
Press release and notice

Amendments regarding electronic collection of returned-item fees and electronic check conversion transactions (effective January 1, 2007)
Press release and notice

Amendment to make Regulation E applicable to payroll card accounts (effective July 1, 2007)
Press release and notice

Amendments (1) clarifying the responsibilities of parties involved in electronic check conversion transactions; (2) providing guidance on preauthorized transfers from consumers' accounts, error resolution, and disclosures at automated teller machines; and (3) making the regulation applicable to payroll card accounts.
Press release and notices

Limitations on Interbank Liabilities

Amendments to simplify capital requirements for community banks by allowing them to adopt a simple leverage ratio to measure capital adequacy (effective January 1, 2020)
Press release and notice | Correction (PDF)

Disclosure and Reporting of CRA-Related Agreements

Supplemental rulemaking related to a Community Reinvestment Act final rule; technical amendments (effective April 1, 2024)
Press release and notice

Technical changes related to the transfer of authority for savings and loan holding companies to the Board (effective September 13, 2011, comments due November 1, 2011)
Press release and notice

Membership of State Banking Institutions in the Federal Reserve System

Issuance of a policy statement to promote a level playing field for all banks with a federal supervisor, regardless of deposit insurance status (effective February 7, 2023)
Press release and notice

Amendments to provide temporary relief for certain community banking organizations related to certain regulations and reporting requirements as a result, in large part, of their growth in size from the coronavirus response (effective December 2, 2020; comments due February 1, 2021)
Press release and notice

Amendment to temporarily revise the supplementary leverage ratio calculation for depository institutions (effective June 1, 2020; comments due July 16, 2020)
Press release and notice

Amendments to streamline regulatory reporting requirements for small institutions (effective July 22, 2019)
Press release and notice

Amendments to repeal provisions of Regulation H that incorporated the Secure and Fair Enforcement for Mortgage Licensing Act (effective June 14, 2019)
Press release and notice

Amendments to implement provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 requiring regulated institutions to accept certain private flood insurance policies (effective July 1, 2019)
Press release and notice

Amendment to adopt the interim final rules that expand the number of insured depository institution and U.S. branches and agencies of foreign banks eligible for an 18-month on-site examination cycle (effective January 28, 2019)
Press release and notice

Amendments modifying the regulatory capital rules to provide an option to phase in the day-one regulatory capital effects of the updated accounting standard known as the "Current Expected Credit Losses" methodology and other revisions to reflect the update to the accounting standards (effective July 1, 2019)
Press release and notice | Delay of effective date (PDF)

Amendment to expand the number of insured depository institutions and U.S. branches and agencies of foreign banks eligible for an 18-month on-site examination cycle (effective August 29, 2018; comments due October 29, 2018)
Press release and notice

Amendment to increase the number of small banks and savings associations eligible for an 18-month examination cycle rather than a 12-month cycle (effective January 17, 2017)
Press release and notice

Amendments to increase the number of small banks and savings associations eligible for an 18-month examination cycle rather than a 12-month cycle. (effective February 29, 2016; comments due April 29, 2016)
Press release and notice

Correcting amendments to final rules published on October 11, 2013, and October 27, 2014, regarding Regulatory Capital Rules and Capital Plan and Stress Test Rules, respectively (effective November 16, 2015)
Notice (PDF)

Amendments to establish risk-based capital surcharges for the largest, most interconnected U.S.-based bank holding companies (effective December 1, 2015)
Press release and notice

Amendments regarding loans in areas having special flood hazards to implement certain provisions of the Homeowner Flood Insurance Affordability Act of 2014 (certain amendments effective October 1, 2015, or January 1, 2016)
Press release and notice

Amendments to implement minimum requirements for state registration and supervision of appraisal management companies (effective August 10, 2015)
Press release and notice

Technical amendment to correct citations to rules on privacy of consumer financial information (effective July 31, 2014)
Notice (PDF)

Amendments to strengthen the supplementary leverage ratio standards for large, interconnected U.S. banking organizations (effective January 1, 2018)
Press release and notice

Amendments to reflect modifications by the OECD regarding country risk classifications, clarify the treatment of certain traded securitization positions, modify the definition of a covered position, and clarify disclosure deadlines (effective April 1, 2014)
Press release and notice

Amendments revising the risk-based and leverage capital requirements for banking organizations (effective January 1, 2014, and January 1, 2015, for certain organizations)
Press release and notice | Correction (PDF)

Amendments to the market risk capital rules to modify their scope, reduce procyclicality, enhance sensitivity to certain risks, and increase transparency (effective January 1, 2013)
Press release and notice

Amendment to establish a floor for the risk-based capital requirements applicable to the largest, internationally active banking organizations
Press release and notice

Amendments to implement the registration requirements of the Secure and Fair Enforcement for Mortgage Licensing Act (effective October 1, 2010)
Press release and notice | Correction

Amendment implementing a final risk-based capital rule related to the Financial Accounting Standards Board’s adoption of Statements of Financial Accounting Standards Nos. 166 and 167
Press release and notice

Amendment providing that mortgage loans modified under the Treasury's Home Affordable Mortgage Program will generally retain the risk weight appropriate to the mortgage loan prior to modification
Press release and notice

Interim rule providing a common interagency capital treatment for mortgage loans modified under the Treasury's Making Home Affordable Program (comments due July 30, 2009)
Notice

Amendment adopting an exemption from the leverage and risk-based capital rules for asset-backed commercial paper held by a state member bank or bank holding company (effective January 30, 2009)
Press release and notice

Amendment permitting a banking organization to reduce the amount of goodwill it must deduct from tier 1 capital (effective January 29, 2009)
Press release and notice

Interim rules that exempt from leverage and risk-based capital rules purchases from money market mutual funds of certain types of asset-backed commercial paper (effective September 19, 2008, comments due October 31, 2008).
Press release and notice

Amendment implementing new risk-based capital requirements (the advanced capital adequacy framework known as Basel II) in the United States for large, internationally active banking organizations (effective April 1, 2008)
Press release and notice

Amendment expanding the range of small institutions eligible for an extended 18-month on-site examination cycle (effective September 25, 2007)
Press release and notice

Amendment adding interpretive guidance on response programs to deal with security breaches involving customer information (effective March 29, 2005)
Press release and notice

Amendment of the risk-based capital adequacy guidelines to remove unnecessary regulatory text and summary tables and attachments that summarize the definition of capital, the risk categories, credit-conversion factors, credit-equivalent-amount calculations, and transitional arrangements (effective April 11, 2005)
Press release and notice

Amendment to require financial institutions to adopt measures for properly disposing of consumer information derived from credit reports (effective July 1, 2005)
Press release and notice

Amendment of the risk-based capital guidelines to modify the treatment of assets in asset-backed commercial paper programs (effective September 30, 2004)
Press release and notice

Amendment requiring certain financial institutions to establish procedures to verify the identity of new accountholders (effective June 9, 2003)
Press release and notice

Amendment to enforce enhanced reporting, disclosure, and corporate-governance obligations of state member banks that have a class of securities registered under the Securities Exchange Act of 1934 (effective April 1, 2003)
Press release and notice

Issue and Cancellation of Federal Reserve Bank Capital Stock

Amendment to apply an inflation adjustment to the threshold for total consolidated assets in Regulation I (effective December 12, 2024; applicability date: January 1, 2025)
Notice (PDF)

Amendment to apply an inflation adjustment to the threshold for total consolidated assets in Regulation I (effective date: December 29, 2023; applicability date: January 1, 2024)
Notice (PDF)

Amendment to apply an inflation adjustment to the threshold for total consolidated assets in Regulation I (effective January 3, 2023)
Notice (PDF)

Amendment to streamline reporting requirements for member banks related to their subscriptions to Federal Reserve Bank capital stock (effective February 14, 2022)
Press release and notice

Amendment to apply an inflation adjustment to the threshold for total consolidated assets in Regulation I (effective January 7, 2022)
Notice (PDF)

Amendment to apply an inflation adjustment to the threshold for total consolidated assets in Regulation I (effective January 11, 2021)
Notice

Amendment to apply the annual adjustment to the asset-size threshold that determines the dividend rate paid to banks that are members of the Federal Reserve System (effective January 15, 2020)
Press release and notice

Amendments to establish procedures for payment of dividends by the Reserve Banks under the FAST Act (effective January 1, 2017)
Press release and notices

Amendments to establish procedures for payment of dividends by the Reserve Banks to implement provisions of the Fixing America's Surface Transportation Act (effective February 24, 2016; comments due April 29, 2016)
Press release and notices

Collection of Checks and Other Items by Federal Reserve Banks and Funds Transfers through Fedwire

Amendment to govern funds transfers over the Federal Reserve Banks’ FedNow Service (effective October 1, 2022)
Press release and notice

Amendments concerning the time of settlement by a paying bank for an item received from a Reserve Bank and a technical amendment to the definition of "Administrative Reserve Bank" (effective July 23, 2015; technical amendment effective December 5, 2014)
Press release and notice

Amendment to eliminate references to as-of adjustments and to make other clarifications (effective July 12, 2012)
Press release and notice

Amendments governing remotely created checks (effective July 1, 2006)
Press release and notice

Amendments covering the entire range of check-processing services that Reserve Banks will offer after the Check Clearing for the 21st Century Act takes effect (effective October 28, 2004)
Press release and notice

International Banking Operations

Amendments to repeal provisions of Regulation K that incorporated the Secure and Fair Enforcement for Mortgage Licensing Act (effective June 14, 2019)
Press release and notice

Amendments to revise provisions in the regulation so that they will remain consistent with certain features of the new supervisory rating system for large financial institutions (effective February 1, 2019)
Press release and notice

Amendment to increase the number of small banks and savings associations eligible for an 18-month examination cycle rather than a 12-month cycle (effective January 17, 2017)
Press release and notice

Amendments to implement the registration requirements of the Secure and Fair Enforcement for Mortgage Licensing Act (effective October 1, 2010)
Press release and notice | Correction

Amendment expanding the range of small institutions eligible for an extended 18-month on-site examination cycle (effective September 25, 2007)
Press release and notice

Amendment requiring Edge and agreement corporations and U.S. branches, agencies, and other offices of foreign banks supervised by the Board to establish and maintain procedures reasonably designed to ensure and monitor compliance with the Bank Secrecy Act and related regulations (effective April 19, 2006)
Press release and notice

Amendment to require financial institutions to adopt measures for properly disposing of consumer information derived from credit reports (effective July 1, 2005)
Press release and notice

Amendment requiring certain financial institutions to establish procedures to verify the identity of new accountholders (effective June 9, 2003)
Press release and notice

Interpretation on foreign banks underwriting securities to be distributed in the United States (effective February 19, 2003)
Press release and notice

Amendment simplifying the requirements concerning accounting for fees on international loans to make the regulation consistent with generally accepted accounting principles (effective February 10, 2003)
Press release and notice

Management Official Interlocks

Amendments to increase the thresholds in the major assets prohibition for management interlocks (effective October 10, 2019)
Press release and notice

Amendment to implement the statutory provision raising the asset-size threshold for the small-institution exception from $20 million to $50 million and to correct inaccurate cross-references (effective July 16, 2007)
Notice

Consumer Leasing

Amendment to increase the threshold for exempt consumer leases to $71,900 (effective January 1, 2025)
Press release and notice

Amendment to increase the threshold for exempt consumer leases to $69,500 (effective January 1, 2024)
Press release and notice

Amendment to increase the threshold for exempt consumer leases to $66,400 (effective January 1, 2023)
Press release and notice

Amendment to increase the threshold for exempt consumer leases to $61,000 (effective January 1, 2022)
Press release and notice

Amendment to keep the threshold for exempt consumer leases at $58,300 (effective January 1, 2021)
Press release and notice

Amendment to increase the threshold for exempt consumer leases to $58,300 (effective January 1, 2020)
Press release and notice

Amendment to increase the threshold for exempt consumer leases to $57,200 (effective January 1, 2019)
Press release and notice

Amendment to increase the threshold for exempt consumer leases to $55,800 (effective January 1, 2018)
Press release and notice

Amendment to keep the threshold for exempt consumer leases at $54,600 (effective January 1, 2017)
Press release and notice

Amendment to keep the threshold for exempt consumer leases at $54,600 (effective January 1, 2016)
Press release and notice

Amendment to increase the threshold for exempt consumer leases to $54,600 (effective January 1, 2015)
Press release and notice

Amendment to increase the threshold for exempt consumer leases to $53,500 (effective January 1, 2014)
Press release and notice

Amendment to increase the threshold for exempt consumer leases from $51,800 to $53,000 (effective January 1, 2013)
Press release and notice

Amendment to increase the dollar threshold for exempt consumer leases from $50,000 to $51,800 (effective January 1, 2012)
Press release and notice

Amendment to increase the threshold for exempt consumer leases from $25,000 to $50,000 and to adjust the amount annually (effective July 21, 2011)
Press release and notice

Amendments to clarify the requirements concerning electronic delivery of disclosures (effective December 10, 2007)
Press release and notice

Relations with Foreign Banks and Bankers

No amendments

Loans to Executive Officers, Directors, and Principal Shareholders of Member Banks

Third extension of a rule to bolster the effectiveness of the Small Business Administration’s Paycheck Protection Program (effective May 21, 2021; comments due July 6, 2021)
Press release and notice

Amendment to further extend a rule to bolster the effectiveness of the Small Business Administration’s Paycheck Protection Program (effective February 17, 2021; comments due April 5, 2021)
Press release and notice

Extension of a rule change to bolster the effectiveness of the Small Business Administration’s Paycheck Protection Program (effective July 16, 2020; comments due August 31, 2020)
Press release and notice

Amendment to temporarily modify the Board's rules so that certain bank directors and shareholders can apply for Paycheck Protection Program loans for their small businesses (effective April 22, 2020; comments due June 8, 2020)
Press release and notice

Technical changes related to the transfer of authority for savings and loan holding companies to the Board (effective September 13, 2011, comments due November 1, 2011)
Press release and notice

To implement section 601 of the Financial Services Regulatory Relief Act of 2006, which eliminated several statutory reporting and disclosure requirements relating to insider lending by insured depository institutions
Press release and notice

(Repealed)

Press release and notice (effective June 30, 2014)

Capital Adequacy of Bank Holding Companies, Savings and Loan Holding Companies, and State Member Banks

Amendments to adopt risk-based capital requirements for depository institution holding companies that are significantly engaged in insurance activities (effective January 1, 2024)
Press release and notice

Amendments to support the Treasury Department’s implementation of a program established by Congress to make capital investments in minority depository institutions and community development financial institutions (effective March 22, 2021; comments due May 21, 2021)
Press release and notice

Amendment to tailor the requirements in the Board's capital plan rule based on risk (effective April 5, 2021)
Press release and notice | Correction

Amendment to revise the definition of eligible retained income (effective January 1, 2021)
Notice | Correction

Amendments to limit the interconnectedness and reduce the impact from failure of the largest banking organizations (effective April 1, 2021)
Press release and notice

Amendments to neutralize—due to the lack of credit and market risk—the regulatory capital and liquidity effects for banks that participate in certain Federal Reserve liquidity facilities (effective December 28, 2020)
Press release and notice

Amendments to allow institutions that adopt the current expected credit losses or "CECL" accounting standard in 2020 to mitigate the estimated effects of CECL on regulatory capital for two years (effective September 30, 2020)
Press release and notice

Technical corrections to certain provisions of the capital rule related to the standardized approach for counterparty credit risk, which is used for calculating the exposure amount of derivative contracts and was adopted in a final rule published on January 24, 2020 (effective September 17, 2020)
Notice (PDF)

Amendment to temporarily modify the community bank leverage ratio, as required by the CARES Act (effective October 1, 2020)
Press release and notice

Amendments to make more gradual, as intended, the automatic restrictions on distributions if a banking organization's capital levels decline below certain levels (effective January 1, 2021)
Press release and notice

Amendment to temporarily revise the supplementary leverage ratio calculation for depository institutions (effective June 1, 2020; comments due July 16, 2020)
Press release and notice

Two interim final rules to modify the community bank leverage ratio framework (effective April 23, 2020; comments due June 8, 2020)
Press release and notice

Amendment to encourage lending to small businesses through the Paycheck Protection Program Lending Facility (effective April 13, 2020; comments due May 13, 2020)
Press release and notice

Amendments to temporarily exclude U.S. Treasury securities and deposits at Federal Reserve Banks from the calculation of the supplementary leverage ratio rule for holding companies (effective April 14, 2020; comments due May 29, 2020)
Press release and notice

Amendments to provide an optional extension of the regulatory capital transition for the new credit loss accounting standard (effective March 31, 2020; comments due May 15, 2020)
Press release and notice

Amendments to ensure that financial institutions will be able to effectively use the recently launched Money Market Mutual Fund Liquidity Facility (effective March 23, 2020; comments due May 7, 2020)
Press release and notice

Amendments to revise the definition of eligible retained income for all depository institutions, bank holding companies, and savings and loan holding companies subject to the capital rule (effective March 20, 2020; comments due May 4, 2020)
Press release and notice

Amendments to simplify the capital rules for large banks while preserving the strong capital requirements already in place (effective May 18, 2020)
Press release and notice

Amendments to finalize changes to a capital requirement for banking organizations predominantly engaged in custodial activities (effective April 1, 2020)
Press release and notice

Amendment to modify the treatment of high volatility commercial real estate exposures (effective April 1, 2020)
Press release and notice

Amendment to update how certain banking organizations are required to measure counterparty credit risk for derivative contracts (effective April 1, 2020; mandatory compliance date: January 1, 2022)
Press release and notice

Amendments to establish risk-based categories for determining prudential standards for certain banking organizations (effective December 31, 2019)
Press release and notice

Amendments to revise the criteria for determining the applicability of regulatory capital and liquidity requirements for certain banking organizations (effective December 31, 2019)
Press release and notice

Amendments to simplify the regulatory capital rules for banking organizations that do not use the "advanced approaches" capital framework (effective October 1, 2019, or April 1, 2020, for certain amendments)
Press release and notice

Amendments to expand the applicability of the Board's small bank holding company policy statement by raising the asset size threshold (effective August 30, 2018; comments due October 29, 2018)
Press release and notice

Amendments to extend the existing capital requirements for mortgage servicing assets and certain other items (effective January 1, 2018)
Press release and notice

Technical amendments to require global systemically important bank holding companies to hold additional amounts of risk-based capital (effective January 17, 2017)
Press release and notice

Final policy statement describing the framework in setting the countercyclical capital buffer for private-sector credit exposures located in the United States (effective October 14, 2016)
Press release and notice

Amendments to clarify how to apply the revised capital framework to certain depository institution holding companies (effective January 1, 2016)
Press release and notice

Amendments to establish risk-based capital surcharges for the largest, most interconnected U.S.-based bank holding companies (effective December 1, 2015)
Press release and notice

Amendments to clarify, correct, and update aspects of the regulatory capital framework applicable to certain large, internationally active banking organizations (effective October 1, 2015)
Press release and notice

Amendments to expand the applicability of the Small Bank Holding Company Policy Statement and apply it to certain savings and loan holding companies (effective May 15, 2015)
Press release and notice

Amendment to exempt certain savings and loan holding companies from the regulatory capital requirements (effective January 30, 2015; comments due March 5, 2015)
Press release and notice

Amendments to ensure that the regulatory capital, liquidity, and lending limits treatment of certain financial contracts is not affected by implementation of special resolution regimes in foreign jurisdictions or by the ISDA Protocol (effective January 1, 2015, comments due March 3, 2015)
Press release and notice

Amendment to revise the definition of the denominator of the supplementary leverage ratio (effective January 1, 2015)
Press release and notice

Technical amendment to revise the definition of "eligible guarantee" (effective October 1, 2014)
Press release and notice

Amendments to strengthen the supplementary leverage ratio standards for large, interconnected U.S. banking organizations (effective January 1, 2018)
Press release and notice

Exceptions for Banks from the Definition of Broker in the Securities Exchange Act of 1934

New technical amendments to Regulation R, adopted jointly by the Board and SEC in September 2007, that correct cross-references and other typographical errors in the regulation. (effective April 17, 2008)
Notice

Reimbursement to Financial Institutions for Providing Financial Records; Recordkeeping Requirements for Certain Financial Records

Technical amendments to conform the citations and references to organizational changes adopted by the Director of the Financial Crimes Enforcement Network in 2010 (effective November 26, 2012)
Notice

Technical amendments to update the fees and encourage electronic document productions under Regulation S (effective January 1, 2010)
Press release and notice

Credit by Brokers and Dealers

No amendments

Credit by Banks/Persons other than Brokers or Dealers for the Purpose of Purchasing or Carrying Margin Stocks

No amendments

Fair Credit Reporting

Final rule to amend the definition of "creditor" and update a cross-reference (effective June 30, 2014)
Press release and notice

Amendments implementing the credit score disclosure requirements of the Dodd-Frank Act
Press release and notice

Final rules requiring a creditor to provide a consumer with a notice when, based on the consumer's credit report, the creditor provides credit to the consumer on less favorable terms than it provides to other consumers (effective January 1, 2011)
Press release and notice

Final rules to implement the accuracy and integrity and direct dispute provisions in section 312 of the Fair and Accurate Credit Transactions Act of 2003 (effective July 1, 2010)
Press release and notice

Final rules concerning red flags that signal possible identity theft and discrepancies in addresses (effective January 1, 2008; mandatory compliance date November 1, 2008)
Press release and notice

Final rules requiring a financial institution to provide consumers with an opportunity to opt out before the institution uses information provided by an affiliated company to market its products and services to the consumer (effective January 1, 2008; mandatory compliance date October 1, 2008)
Press release and notice

Final rules creating limited exceptions to permit affiliates to share medical information with each other without becoming consumer reporting agencies (effective April 1, 2006)
Press release and notice

Amendment to require financial institutions to adopt measures for properly disposing of consumer information derived from credit reports (effective July 1, 2005)
Press release and notice

Addition of model notices that financial institutions may use to comply with the notice requirement relating to furnishing negative information (effective July 16, 2004)
Press release and notice

Establishment of effective dates for all provisions of the Fair and Accurate Credit Transactions Act of 2003 that do not have a statutorily prescribed effective date (effective March 12, 2004)
Press release and notice

Interim rules to establish effective dates for certain provisions of the Fair and Accurate Credit Transactions Act of 2003 that do not have a statutorily prescribed effective date, including provisions that preempt state laws that regulate areas governed by the Fair Credit Reporting Act (effective December 31, 2003)
Press release and notice

Transactions between Member Banks and Their Affiliates

Technical changes related to the transfer of authority for savings and loan holding companies to the Board (effective September 13, 2011, comments due November 1, 2011)
Press release and notice

Regulatory exemptions increasing the capacity of member banks to purchase asset-backed commercial paper from affiliated money market mutual funds (effective January 30, 2009)
Press Release and Notice

Regulatory exemption increasing the capacity of member banks to enter into securities financing transactions with affiliates (effective January 30, 2009)
Press Release and Notice

A temporary regulatory exemption increasing the capacity of member banks to enter into securities financing transactions with affiliates (effective September 14, 2008, comments due October 31, 2008)
Press Release and Notice

Borrowers of Securities Credit

No amendments

Bank Holding Companies and Change in Bank Control

Amendment to implement quality control standards for automated valuation models used by mortgage originators and secondary market issuers in determining the collateral worth of a mortgage secured by a consumer’s principal dwelling (effective October 1, 2025)
Press release and notice

Amendment to improve the sharing of information about cyber incidents that may affect the U.S. banking system (effective April 1, 2022; compliance date: May 1, 2022)
Press release and notice

Amendment to tailor the requirements in the Board’s capital plan rule based on risk (effective April 5, 2021)
Press release and notice

Amendments to temporarily defer appraisal and evaluation requirements for up to 120 days after the closing of certain residential and commercial real estate transactions (effective October 16, 2020 through December 31, 2020)
Press release and notice

Amendments to temporarily defer real estate-related appraisals and evaluations (effective April 17, 2020 through December 31, 2020; comments due June 1, 2020)
Press release and notice

Amendments to simplify the capital rules for large banks while preserving the strong capital requirements already in place (effective May 18, 2020)
Press release and notice

Amendments to simplify and increase the transparency of the Board’s rules for determining control of a banking organization (effective September 30, 2020)
Press release and notice | Delay of effective date

Amendments to establish risk-based categories for determining prudential standards for certain banking organizations (effective December 31, 2019)
Press release and notice

Amendment to increase the threshold for residential real estate transactions requiring an appraisal from $250,000 to $400,000 (effective October 9, 2019; and January 1, 2020, for certain amendments)
Press release and notice

Amendments to limit the use of the "qualitative objection" in the Comprehensive Capital Analysis and Review (CCAR) exercise (effective March 13, 2019)
Press release and notice

Amendments to remove large and noncomplex firms from the qualitative assessment of the Comprehensive Capital Analysis and Review (effective March 6, 2017)
Press release and notice

Amendments to modify the capital plan and stress testing rules (effective January 1, 2016)
Press release and notice

Amendments to implement minimum requirements for state registration and supervision of appraisal management companies (effective August 10, 2015)
Press release and notice

Amendments to expand the applicability of the Small Bank Holding Company Policy Statement and apply it to certain savings and loan holding companies (effective May 15, 2015)
Press release and notice

Amendments to adjust the timeframe for the annual submissions of capital plans and stress test results and to clarify other aspects of the capital plans and stress test rules (effective November 26, 2014)
Press release and notice

Technical amendment to correct citations to rules on privacy of consumer financial information (effective July 31, 2014)
Notice (PDF)

Amendment clarifying the deadline for using the Advanced Approaches framework for purposes of the capital planning and stress testing rules and finalizing two interim final rules issued in September 2013 (effective April 15, 2014)
Press release and notice

Interim rule requiring certain bank holding companies to estimate tier 1 common ratios using the methodology currently in effect in 2013 under the existing capital guidelines (effective September 30, 2013; comments due November 25, 2013)
Press release and notice

Amendment to require large bank holding companies to submit annual capital plans for review (effective December 30, 2011)
Press release and notice

Amendment to establish a floor for the risk-based capital requirements applicable to the largest, internationally active banking organizations
Press release and notice

Interim final rule that allows small bank holding companies that are S-Corps or mutual BHCs to exclude subordinated debt securities from treatment as debt under certain conditions (Comments due July 30, 2011); Final rule that makes final the interim final rule adopted in June 2009
Press release and notice

Amendment implementing the conformance period during which entities must bring their activities and investments into compliance with the "Volcker Rule" (effective April 1, 2011)
Press release and notice

Amendment implementing a final risk-based capital rule related to the Financial Accounting Standards Board's adoption of Statements of Financial Accounting Standards Nos. 166 and 167
Press release and notice

Interim rule providing a common interagency capital treatment for mortgage loans modified under the Treasury's Making Home Affordable Program (comments due July 30, 2009)
Notice

Amendment allowing bank holding companies that have issued senior perpetual preferred stock to the Treasury to include such capital instruments in tier 1 capital for purposes of the Board's risk-based and leverage capital guidelines for bank holding companies
Press release and notice

Interim rule regarding the subordinated debt securities of banking holding companies that are S-Corps or that are organized in mutual form
Press release and notice

Amendment delaying the effective date of new requirements to the Board's capital adequacy guidelines for bank holding companies on trust preferred securities and the definition of capital (requirements effective March 31, 2011)
Press release and notice

Amendment permitting a banking organization to reduce the amount of goodwill it must deduct from tier 1 capital
Press release and notice

Interim rules permitting bank holding companies that issue new senior perpetual preferred stock to the Treasury to include such capital instruments in Tier 1 capital for purposes of risk-based and leverage capital rules and guidelines for bank holding companies (effective October 17, 2008, comments due November 21, 2008)
Press release and notice

Amendment expanding the definition of small bank holding company under the Board's Small Bank Holding Company Policy Statement and the risk-based and leverage capital guidelines for bank holding companies (effective March 30, 2006)
Press release and notice

Amendment adding interpretive guidance on response programs to deal with security breaches involving customer information (effective March 29, 2005)
Press release and notice

Amendment of the risk-based capital guidelines to allow for the continued limited inclusion of trust preferred securities in the tier 1 capital of bank holding companies (effective April 11, 2005)
Press release and notice

Amendment to require financial institutions to adopt measures for properly disposing of consumer information derived from credit reports (effective July 1, 2005)
Press release and notice

Amendment of the risk-based capital guidelines to modify the treatment of assets in asset-backed commercial paper programs (effective September 30, 2004)
Press release and notice

Amendment expanding the ability of all bank holding companies, including financial holding companies, to process, store, and transmit nonfinancial data in connection with their financial data processing, storage, and transmission activities (effective January 8, 2004)
Press release and notice

Amendment to allow bank holding companies engaged in permissible derivatives activities to transfer title to commodities underlying derivatives contracts instantaneously, on a pass-through basis (effective August 4, 2003)
Press release and notice

Truth in Lending

Amendment to increase the threshold for exempt consumer credit transactions to $71,900 (effective January 1, 2025)
Press release and notice

Amendment to increase the threshold for whether higher-priced mortgage loans are subject to special appraisal requirements from $32,400 to $33,500 (effective January 1, 2025)
Press release and notice

Amendment to increase the threshold for exempt consumer credit transactions to $69,500 (effective January 1, 2024)
Press release and notice

Amendment to increase the threshold for whether higher-priced mortgage loans are subject to special appraisal requirements from $31,000 to $32,400 (effective January 1, 2024)
Press release and notice

Amendment to increase the threshold for exempt consumer credit transactions to $66,400 (effective January 1, 2023)
Press release and notice

Amendment to increase the threshold for exempting loans from special appraisal requirements for higher-priced mortgage loans from $28,500 to $31,000 (effective January 1, 2023)
Press release and notice

Amendment to increase the threshold for exempt consumer credit transactions to $61,000 (effective January 1, 2022)
Press release and notice

Amendment to increase the threshold for exempting loans from special appraisal requirements for higher-priced mortgage loans from $27,200 to $28,500 (effective January 1, 2022)
Press release and notice

Amendment to keep the threshold for exempting loans from special appraisal requirements for higher-priced mortgage loans at $27,200 (effective January 1, 2021)
Press release and notice

Amendment to keep the threshold for exempt consumer credit transactions at $58,300 (effective January 1, 2021)
Press release and notice

Amendment to increase the threshold for exempting loans from special appraisal requirements for higher-priced mortgage loans (effective January 1, 2020)
Press release and notice

Amendment to increase the threshold for exempt consumer credit transactions to $58,300 (effective January 1, 2020)
Press release and notice

Amendment to increase the threshold for exempt consumer credit transactions to $57,200 (effective January 1, 2019)
Press release and notice

Amendment to increase the threshold for exempting loans from special appraisal requirements for higher-priced mortgage loans (effective January 1, 2019)
Press release and notice

Amendment to increase the threshold for exempting loans from special appraisal requirements for higher-priced mortgage loans (effective January 1, 2018)
Press release and notice

Amendment to increase the threshold for exempt consumer credit transactions to $55,800 (effective January 1, 2018)
Press release and notice

Amendment to establish the method that will be used to make annual inflation adjustments to the threshold for exempting small loans from special appraisal requirements (effective January 1, 2017)
Press release and notice

Amendment to keep the threshold for exempt consumer credit transactions at $54,600 (effective January 1, 2017)
Press release and notice

Annual adjustment of the dollar amount used to determine whether a small loan is exempt from the special appraisal requirements that apply to higher-priced mortgage loans (effective January 1, 2016)
Press release and notice

Amendment to keep the threshold for exempt consumer credit transactions at $54,600 (effective January 1, 2016)
Press release and notice

Amendment to increase the threshold for exempt consumer credit transactions to $54,600 (effective January 1, 2015)
Press release and notice

Amendments creating exemptions from certain appraisal requirements for a subset of higher-priced mortgage loans (effective January 18, 2014)
Press release and notice

Amendment to increase the threshold for exempt consumer credit transactions to $53,500 (effective January 1, 2014)
Press release and notice

Amendment establishing new appraisal requirements for "higher-priced mortgage loans" (effective January 18, 2014)
Press release and notice

Amendment to increase the threshold for exempt consumer credit transactions from $51,800 to $53,000 (effective January 1, 2013)
Press release and notice

Amendment reflecting the effective date of a final rule on loan originator compensation practices that was published in the Federal Register on September 24, 2010 (effective July 20, 2011)
Notice (PDF)

Amendment to increase the dollar threshold for exempt consumer credit transactions from $50,000 to $51,800 (effective January 1, 2012)
Press release and notice

Annual adjustment of the dollar amount that triggers additional disclosure requirements for home mortgage loans that bear rates or fees above a certain amount (effective January 1, 2012)
Press release and notice

Corrections to the final rule published in the Federal Register on April 25, 2011 (76 FR 22948) (effective October 1, 2011)
Notice

Amendment to increase the threshold for exempt consumer credit transactions from $25,000 to $50,000 and to adjust the amount annually (effective July 21, 2011)
Press release and notice

Amendments to clarify certain aspects of final rules published in the Federal Register on February 22 and June 29, 2010 (effective October 1, 2011)
Press release and notice

Amendment increasing the APR threshold used to determine whether a mortgage lender is required to establish an escrow account (effective April 1, 2011)
Press release and notice

Interim rule to clarify certain provisions of the interim rule published in the Federal Register on September 24, 2010 (effective January 30, 2011; comments due February 28, 2011)
Press release and notice

Amendment to ensure that real estate appraisals are based on the appraiser's independent professional judgment and that creditors and their agents pay customary and reasonable fees to appraisers (interim final rule effective December 27, 2010, comments due December 27, 2010)
Press release and notice | Correction

Amendment requiring that consumers receive notice of the sale or transfer of their mortgage loans (effective January 1, 2011)
Press release and notice

Amendment revising the disclosure requirements for closed-end mortgage loans (effective October 25, 2010, comments due November 23, 2010)
Press release and notice

Amendment to protect consumers from unfair or abusive lending practices that can arise from certain loan originator compensation practices (effective April 1, 2011)
Press release and notice

Amendments to protect credit card users from unreasonable penalty fees and to require credit card issuers to reevaluate increases in interest rates (effective August 22, 2010)
Press release and notice

Amendment establishing requirements concerning fair and transparent practices for open-end consumer credit plans, including credit card accounts (effective February 22, 2010)
Press release and notice

Withdrawal of the final rule published on January 29, 2009, at 74 FR 5244
Press release and notice

Amendment establishing a new requirement for notifying consumers of the sale or transfer of their mortgage loans (effective November 20, 2009, compliance optional until January 19, 2010, comments due January 19, 2010)
Press release and notice

Annual adjustment of the dollar amount that triggers additional disclosure requirements in connection with high-cost home mortgage loans (effective January 1, 2010)
Press release and notice

Amendments revising the disclosure requirements for private education loans (effective September 10, 2009; compliance optional until February 14, 2010)
Press release and notice

Amendments implementing provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009 (effective August 20, 2009, comments due September 21, 2009)
Press release and notice

Amendments revising the disclosure requirements for mortgage loans and implementing the Mortgage Disclosure Improvement Act (effective July 30, 2009)
Press release and notice

Amendments revising the disclosures in connection with credit card accounts and other revolving credit plans to ensure that consumers information is provided in a timely manner and in a form that is readily understandable (effective July 1, 2010)
Press release and notice

Amendment concerning the annual adjustments to the dollar amount that triggers requirements for certain home mortgage loans bearing fees above a certain amount. (effective January 1, 2009)
Press release and notice

Amendments to protect consumers in the mortgage market from unfair, abusive, or deceptive lending and servicing practices while preserving responsible lending and sustainable homeownership; to ensure that advertisements for mortgage loans provide accurate and balanced information and do not contain misleading or deceptive representations; and to provide consumers transaction-specific disclosures early enough to use while shopping for a mortgage. (effective October 1, 2009, except § 226.35(b)(3), which is effective on April 1, 2010)
Press release and notice

Amendments to clarify the requirements concerning electronic delivery of disclosures (effective December 10, 2007, and January 14, 2008)
Press release and notice | Technical amendment

Annual adjustment of the dollar amount that triggers additional disclosure requirements in connection with high-cost home mortgage loans (effective January 1, 2008)
Press release and notice

Annual adjustment of the dollar amount that triggers additional disclosure requirements in connection with high-cost home mortgage loans (effective January 1, 2007)
Press release and notice

Annual adjustment of the dollar amount that triggers additional disclosure requirements in connection with high-cost home mortgage loans (effective January 1, 2006)
Press release and notice

Annual adjustment of the dollar amount that triggers additional disclosure requirements in connection with high-cost home mortgage loans (effective January 1, 2005)
Press release and notice

Amendments clarifying how the word amount is used to describe disclosure requirements and providing guidance on consumers' exercise of rescission rights for certain home-secured loans (effective April 1, 2004; compliance mandatory October 1, 2004)
Press release and notice

Annual adjustment of the dollar amount that triggers additional disclosure requirements in connection with high-cost home mortgage loans (effective January 1, 2004)
Press release and notice

Amendments to commentary, concerning credit card-related fees, replacement of an accepted credit card with one or more cards, disclosure of private mortgage insurance premiums, and selection of Treasury security yields for determining whether a mortgage loan is covered by the Home Ownership and Equity Protection Act (effective April 1, 2003; compliance mandatory October 1, 2003)
Press release and notice

(Repealed)

Press release and notice (effective March 21, 2016)

Community Reinvestment

Amendments to strengthen and modernize regulations implementing the Community Reinvestment Act (CRA) to better achieve the purposes of the law (effective April 1, 2024; see notice for exceptions)
Press release and notice | Supplemental interim final rule

Amendment to adjust the asset-size thresholds used to define small bank and intermediate small bank (effective January 1, 2024)
Press release and notice

Amendment to adjust the asset-size thresholds used to define small bank and intermediate small bank (effective January 1, 2023)
Press release and notice

Amendment to adjust the asset-size thresholds used to define small bank and intermediate small bank (effective January 1, 2022)
Press release and notice

Annual adjustment of the asset-size thresholds used to define small bank and intermediate small bank (effective January 1, 2021)
Press release and notice | Correction

Annual adjustment of the asset-size thresholds used to define small bank, small savings association, intermediate small bank, and intermediate small savings association (effective January 1, 2020)
Press release and notice

Annual adjustment of the asset-size thresholds used to define small bank, small savings association, intermediate small bank, and intermediate small savings association (effective January 1, 2019)
Press release and notice

Amendments to conform to HMDA regulation changes and remove obsolete references to the Neighborhood Stabilization Program (effective January 1, 2018)
Press release and notice

Technical changes related to the transfer of authority for savings and loan holding companies to the Board (effective September 13, 2011, comments due November 1, 2011)
Press release and notice

Annual adjustment of the asset-size thresholds used to define small bank, small savings association, intermediate small bank, and intermediate small savings association (effective January 1, 2011)
Press release and notice

Amendments to expand the scope of CRA regulations to encourage support for neighborhood stabilization activities
Press release and notice

Final rule to require the agencies to consider low-cost education loans provided to low-income borrowers when assessing a financial institution’s record of meeting community credit needs (effective November 3, 2010)
Press release and notice

Annual adjustment of the asset-size thresholds used to define small bank and intermediate small bank (effective January 1, 2008)
Press release and notice

Annual adjustment of the asset-size thresholds used to define small bank and intermediate small bank (effective January 1, 2007)
Press release and notice

Amendments to reduce regulatory burden on community banks while making CRA evaluations more effective in encouraging banks to meet community development needs (effective September 1, 2005)
Press release and notice

Adoption in final form of the interim amendments conforming the regulation to changes in census tracts and in the Standards for Defining Metropolitan and Micropolitan Statistical Areas published by the U.S. Office of Management and Budget in December 2000 (effective March 28, 2005)
Notice

Availability of Funds and Collection of Checks

Amendment to adjust for inflation dollar amounts relating to the availability of customer funds (effective July 1, 2025)
Press release and notice

Amendment to adjust for inflation the amount of funds depository institutions must make available to their customers (effective September 3, 2019; certain amendments effective July 1, 2020)
Press release and notice | Correction (PDF)

Amendments to address situations where there is a dispute as to whether a check has been altered or was issued with an unauthorized signature, and the original paper check is not available for inspection (effective January 1, 2019)
Press release and notice

Amendments modifying the current check collection and return requirements to reflect the evolution of the nation’s check collection system from one that is largely paper-based to one that is virtually all electronic (effective July 1, 2018)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve’s check-processing operations in the Fourth and Sixth Districts (effective February 27, 2010)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Third and Fourth Districts (effective December 12, 2009)
Press release and notice

Amendments reflecting restructuring of the Federal Reserve's check-processing operations in the Fourth, Eleventh, and Twelfth Districts (effective October 17 and November 14, 2009) and providing notice relating to future changes to the regulation
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Fourth and Seventh Districts (effective September 12, 2009)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Fourth and Ninth Districts (effective July 25, 2009)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Tenth, Eleventh, and Twelfth Districts (effective June 20 and June 27, 2009)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Third and Fifth Districts (effective April 18, 2009)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Fifth and Sixth Districts (effective March 21, 2009)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Sixth and Eighth Districts (effective February 21, 2009)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Seventh District (effective January 31, 2009)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Sixth District (effective November 15, 2008)
Notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Fourth District (effective October 18, 2008)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the First and Third Districts (effective September 20, 2008)
Press release and notice

Amendments reflecting restructuring of the Federal Reserve's check-processing operations in the Sixth and Eighth Districts (effective July 19, 2008)
Notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Tenth and Eleventh Districts (effective April 19, 2008)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Second, Third, and Fourth Districts (effective February 23 and March 29, 2008)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Ninth and Tenth Districts (effective October 20, 2007)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Twelfth District (effective August 18, 2007)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Sixth District (effective July 21, 2007)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Second and Third Districts (effective August 19, 2006)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Sixth District (effective March 31, 2006)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the First District (effective February 25, 2006)
Press release and notice

Amendments governing remotely created checks (effective July 1, 2006)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Fourth, Tenth, and Eleventh Districts (effective January 21 and February 11, 2006)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Twelfth District (effective October 22, 2005)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Tenth and Twelfth Districts (effective June 18, 2005)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Fourth, Seventh, and Eleventh Districts (effective April 16 and 23, 2005)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Sixth District (effective March 26, 2005)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Fourth and Seventh Districts (effective October 30, 2004)
Press release and notice

Amendment to implement the Check Clearing for the 21st Century Act (effective October 28, 2004)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Fourth, Fifth, and Eighth Districts (effective August 28, 2004)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Seventh and Eighth Districts (effective July 24, 2004)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Eleventh District (effective July 10, 2004)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Fourth and Fifth Districts (effective June 26, 2004)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Eleventh District (effective May 15, 2004)
Press release and notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Fifth, Seventh, and Tenth Districts (effective April 17 and 24, 2004)
Notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Sixth District (effective March 13, 2004)
Notice

Amendment reflecting restructuring of the Federal Reserve's check-processing operations in the Fourth District (effective November 1, 2003)
Press release and notice

Amendment updating the routing numbers for Federal Reserve Banks and Federal Home Loan Banks (effective July 22, 2003)
Press release and notice

(Repealed)

Press release and notice (effective June 30, 2014)

Netting Eligibility for Financial Institutions

Amendment to apply netting provisions of the Federal Deposit Insurance Corporation Improvement Act of 1991 (FDICIA) to certain new entities including swap dealers (effective March 29, 2021)
Press release and notice

Obtaining and Using Medical Information in Connection with Credit

No amendments

Prohibition on Funding of Unlawful Internet Gambling

Extension of the compliance date for the final regulation implementing certain provisions of the Unlawful Internet Gambling Enforcement Act (final regulation effective January 19, 2009; compliance date June 1, 2010)
Press release and notice

Designated Financial Market Utilities

Amendments to update risk-management requirements for certain systemically important financial market utilities supervised by the Board (effective April 15, 2024)
Press release and notice

Amendments to revise the risk-management standards (effective December 31, 2014)
Press release and notice

Amendments setting out the conditions and requirements for a Federal Reserve Bank to open and maintain accounts for and provide financial services to financial market utilities (effective February 18, 2014)
Press release and notice

Debit Card Interchange Fees and Routing

Amendments to specify that debit card issuers should enable at least two payment card networks to process all debit card transactions, including “card-not-present” transactions, such as online payments (effective July 1, 2023)
Press release and notice

Clarification of the inclusion of transaction-monitoring costs in the interchange fee standard (effective August 14, 2015)
Press release and notice

Amendment to provisions that permit a debit card issuer subject to the interchange fee standards to receive a fraud-prevention adjustment (effective October 1, 2012)
Press release and notice

Amendment allowing for an upward adjustment of no more than one cent to an issuer's debit card interchange fee if certain standards are met (effective October 1, 2011, comments due September 30, 2011)
Press release and notice

Swaps Margin and Swaps Push-Out

Interim final rule to extend the initial margin compliance date for certain swap entities and counterparties (effective September 1, 2020; comments due August 31, 2020)
Press release and notice

Amendments to facilitate the implementation of prudent risk-management strategies at banks and other entities with significant swap activities (effective August 31, 2020)
Press release and notice

Amendments to ensure that qualifying swaps may be transferred from a United Kingdom entity to an affiliate in the European Union or the United States without triggering new margin requirements (effective March 19, 2019; comments due April 18, 2019)
Press release and notice

Amendments to swap margin requirements to conform with recent rule changes that impose new restrictions on certain qualified financial contracts of systemically important banking organizations (effective November 9, 2018)
Press release and notice

Final rule exempting certain commercial and financial end users from margin requirements for certain swaps not cleared through a clearinghouse (effective October 1, 2016)
Press release and notices

Final rule to establish minimum margin and capital requirements for registered swap dealers, major swap participants, security-based swap dealers, and major security-based swap participants; interim final rule relating to the exemption from margin requirements for certain non-cleared swaps and non-cleared security-based swaps (final rule and interim final rule effective April 1, 2016; comments due on interim final by January 31, 2016)
Press release and notices

Amendment to clarify the treatment of uninsured U.S. branches and agencies of foreign banks under the "swaps push out provision" of Dodd-Frank (effective January 31, 2014)
Press release and notice

Savings and Loan Holding Companies

Joint final rule to modify the agency-specific rules of administrative practice and procedure, as well as adoption of final changes to the Uniform Rules of Practice and Procedure (effective April 1, 2024)
Notice (PDF)

Amendment to tailor the requirements in the Board’s capital plan rule based on risk (effective April 5, 2021)
Press release and notice

Amendments to establish risk-based categories for determining prudential standards for certain banking organizations (effective December 31, 2019)
Press release and notice

Amendments to increase the thresholds in the major assets prohibition for management interlocks (effective October 10, 2019)
Press release and notice

Amendments to expand the applicability of the Small Bank Holding Company Policy Statement and apply it to certain savings and loan holding companies (effective May 15, 2015)
Press release and notice

Interim rule that sets forth regulations for savings and loan holding companies (effective September 13, 2011, comments due November 1, 2011)
Press release and notice

Mutual Holding Companies

Interim rule that sets forth regulations for savings and loan holding companies in mutual form (effective September 13, 2011, comments due November 1, 2011)
Press release and notice

Retail Foreign Exchange Transactions

No amendments

Securities Holding Companies

No amendments

Definitions Relating to Title I of the Dodd-Frank Act

Amendments to establish risk-based categories for determining prudential standards for certain banking organizations (effective December 31, 2019)
Press release and notice

Resolution Plans

Amendments to retain resolution plan elements in place for the largest firms, while reducing requirements for smaller firms that pose less risk to the financial system (effective December 31, 2019)
Press release and notice

Credit Risk Retention

No amendments

Supervision and Regulation Assessments of Fees

Amendment to modify the annual assessment fees for the supervision and regulation of large financial companies (effective January 7, 2021)
Press release and notice

Proprietary Trading and Relationships with Covered Funds

Amendments to modify the prohibition on banking entities investing in or sponsoring hedge funds or private equity funds (effective October 1, 2020)
Press release and notice | Correction (PDF)

Amendments to simplify the Volcker rule with respect to proprietary trading or investing in or sponsoring hedge funds or private equity funds (effective January 1, 2020)
Press release and notice

Amendments to exclude certain community banks from the Volcker rule and revise the restrictions applicable to the naming of a hedge fund or private equity fund (effective July 22, 2019)
Press release and notice | Correction

Interim rule to permit banking entities to retain interest in certain collateralized debt obligations backed primarily by trust preferred securities (effective April 1, 2014; comments due March 3, 2014)
Press release and notice

Liquidity Risk Measurement Standards

Amendments to strengthen the resilience of large banks by requiring them to maintain a minimum level of stable funding over a one-year period (effective July 1, 2021)
Press release and notice

Amendment to modify the Liquidity Coverage Ratio rule to support banking organizations’ participation in the Money Market Mutual Fund Liquidity Facility and the Paycheck Protection Program Liquidity Facility (effective May 6, 2020; comments due June 5, 2020)
Press release and notice

Amendment to adopt the interim final rules that treat certain municipal obligations as high-quality liquid assets (effective July 5, 2019)
Press release and notice

Amendments to the liquidity coverage ratio rule to treat liquid and readily marketable, investment grade municipal obligations as high-quality liquid assets (effective August 31, 2018; comments due October 1, 2018)
Press release and notice

Amendment to require large banking organizations to publicly disclose certain quantitative liquidity risk metrics (effective April 1, 2017)
Press release and notice

Amendments to include certain U.S. municipal securities as high-quality liquid assets (effective July 1, 2016)
Press release and notice

Concentration Limit

Enhanced Prudential Standards

Amendment to correct an error relating to the company-run stress test requirements for certain large banking organizations (effective April 30, 2021)
Notice

Amendment to tailor the requirements in the Board’s capital plan rule based on risk (effective April 5, 2021)
Press release and notice

Amendments to limit the interconnectedness and reduce the impact from failure of the largest banking organizations (effective April 1, 2021)
Press release and notice

Amendment to revise the definition of eligible retained income (effective January 1, 2021)
Notice

Amendment to extend by 18 months the initial compliance dates for certain parts of the single-counterparty credit limit rule (effective May 28, 2020)
Press release and notice

Amendments to revise the definition of eligible retained income for purposes of the total loss-absorbing capacity rule (effective March 26, 2020; comments due May 11, 2020)
Press release and notice

Amendments to simplify the capital rules for large banks while preserving the strong capital requirements already in place (effective May 18, 2020)
Press release and notice

Amendments to establish risk-based categories for determining prudential standards for certain banking organizations (effective December 31, 2019)
Press release and notice

Adoption of a final policy statement on the approach to supervisory stress testing and amendments to its policy statement on the scenario design framework for stress testing (effective April 1, 2019)
Press release and notice

Amendments to prevent concentrations of risk between large banking organizations and their counterparties from undermining financial stability (effective October 5, 2018)
Press release and notice

Amendments to require certain U.S. top-tier bank holding companies to meet a new long-term debt requirement and a new "total loss-absorbing capacity" requirement (effective March 27, 2017)
Press release and notice

Amendments to remove large and noncomplex firms from the qualitative assessment of the Comprehensive Capital Analysis and Review (effective March 6, 2017)
Press release and notice

Amendments to modify the capital plan and stress testing rules (effective January 1, 2016)
Press release and notice

Amendments establishing a number of enhanced prudential standards, risk-committee requirements, and capital stress-testing requirements for certain bank holding companies and foreign banking organizations (effective June 1, 2014)
Press release and notice

Final policy statement on the approach to scenario design for stress testing that will be used in connection with the supervisory and company-run stress tests (effective January 1, 2014)
Press release and notice

(1) Interim rule requiring certain bank holding companies to estimate tier 1 common ratios using the methodology currently in effect in 2013 under the existing capital guidelines and (2) interim rule providing a one-year transition period for most banking organizations to reflect the revised capital framework (both are effective September 30, 2013; comments due November 25, 2013)
Press release and notice

Miscellaneous Interpretations

Interpretations (GPO)

Last Update: August 19, 2024