Data / Federal rules / 2025-06863

Modifications to the Capital Plan Rule and Stress Capital Buffer Requirement

The Federal Reserve System published this proposed rule in the Federal Register on April 22, 2025. Comments closed on June 23, 2025.

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What the agency says

The Board is inviting public comment on a notice of proposed rulemaking (the proposal) that would amend the calculation of the Board's stress capital buffer requirement applicable to certain large bank holding companies, savings and loan holding companies, U.S. intermediate holding companies of foreign banking organizations, and nonbank financial companies supervised by the Board to reduce the volatility of the stress capital buffer requirement. The proposal would use the average of the maximum common equity tier 1 capital declines projected in each of the Board's prior two annual supervisory stress tests to inform a firm's stress capital buffer requirement. The proposal would also extend the annual effective date of the stress capital buffer requirement by one quarter, to January 1, to provide additional time for firms to comply with the requirement. In addition, the proposal would make changes to the FR Y-14A/Q/M reports to collect additional net income data that would improve the accuracy of the stress capital buffer requirement calculation, as well as remove data items that are no longer needed to conduct the supervisory stress test. The changes in the proposal are not designed to materially affect overall capital requirements and would decrease regulatory reporting burden.

Key facts

Document number: 2025-06863
Type: Proposed rule
Action: Notice of proposed rulemaking
Agency: Federal Reserve System
Published: April 22, 2025
Comments due: June 23, 2025
Dates: Comments must be received on or before June 23, 2025.
Docket: Regulations Y, LL, and YY; Docket No. R-1866
Regulation ID (RIN): 7100-AG92
Code of Federal Regulations: 12 CFR 225; 12 CFR 238; 12 CFR 252
Topics: Administrative practice and procedure; Banks, banking; Holding companies; Reporting and recordkeeping requirements; Securities
Pages: 18

The document on federalregister.gov PDF

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Enhanced Transparency and Public Accountability of the Supervisory Stress Test Models and Scenarios; Modifications to the Capital Planning and Stress Capital Buffer Requirement Rule, Enhanced Prudential Standards Rule, and Regulation LL 2026-20247	Final rule	Oct 2
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Regulation D: Reserve Requirements of Depository Institutions 2026-20037	Final rule	Sep 30
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Everything from the Federal Reserve System · Rules on administrative practice and procedure · Rules on banks, banking · Rules on holding companies · Published in April 2025

Read from the Federal Register API, last updated 2026-10-23. 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.