Data / Federal rules / 2026-18766
Expanded Examination Cycle for Certain Small Insured Depository Institutions and U.S. Branches and Agencies of Foreign Banks
The Federal Deposit Insurance Corporation published this final rule in the Federal Register on September 14, 2026. It took effect on September 14, 2026. Comments closed on October 14, 2026.
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What the agency says
The OCC, Board, and FDIC (collectively, the Agencies) are jointly issuing and requesting public comment on an interim final rule to implement section 903 of the 21st Century ROAD to Housing Act. The interim final rule raises the asset threshold for certain supervised institutions with less than $6 billion in total assets to qualify for an 18-month on-site examination cycle. The interim final rule also makes parallel changes to the Agencies' regulations governing the on- site examination cycle for U.S. branches and agencies of foreign banks, consistent with the International Banking Act of 1978 (IBA).
Key facts
- Document number
- 2026-18766
- Type
- Final rule
- Action
- Joint interim final rule and request for comments
- Agency
- Treasury Department; Comptroller of the Currency; Federal Reserve System; Federal Deposit Insurance Corporation
- Published
- September 14, 2026
- Takes effect
- September 14, 2026
- Comments due
- October 14, 2026
- Dates
- The interim final rule is effective on September 14, 2026. Comments on the rule must be received by October 14, 2026.
- Docket
- Docket ID OCC-2026-0761; Docket No. R-1898
- Regulation ID (RIN)
- 1557-AF59; 3064-AG33; 7100-AH28
- Code of Federal Regulations
- 12 CFR 4; 12 CFR 208; 12 CFR 211; 12 CFR 337; 12 CFR 347
- Topics
- Accounting; Administrative practice and procedure; Agriculture; Authority delegations (Government agencies); Bank deposit insurance; Banks, banking; Confidential business information; Consumer protection; Credit; Crime; Currency; Exports; Flood insurance; Foreign banking; Freedom of information; Holding companies; Individuals with disabilities; Insurance; Investments; Minority businesses; Mortgages; Organization and functions (Government agencies); Reporting and recordkeeping requirements; Savings associations; Securities; U.S. investments abroad; Women
- Pages
- 6
Other documents from the Federal Deposit Insurance Corporation
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|---|---|---|
| Extensions of Credit to Insiders 2026-20735 | Proposed rule | Oct 9 |
| Unsafe or Unsound Practices, Matters Requiring Attention; Correction 2026-19312 | Final rule | Sep 22 |
| State Bank Parity 2026-19310 | Proposed rule | Sep 22 |
| Merger Transactions 2026-19308 | Proposed rule | Sep 22 |
| Reciprocal Deposits: Implementing the 21st Century ROAD to Housing Act 2026-17865 | Final rule | Sep 1 |
| Unsafe or Unsound Practices, Matters Requiring Attention 2026-17823 | Final rule | Sep 1 |
| Disclosure of Information; Extension of Comment Period 2026-17649 | Proposed rule | Aug 28 |
| Community Reinvestment Act Regulations 2026-16454 | Proposed rule | Aug 12 |
Everything from the Federal Deposit Insurance Corporation · Rules on accounting · Rules on administrative practice and procedure · Rules on agriculture · Published in September 2026
Read from the Federal Register API, last updated 2026-10-24. The document on federalregister.gov is the official record; dates and dockets can change through later corrections. Free to reuse with credit to SpecStream under CC BY 4.0.