Data / Federal rules / 2026-20246
Modifications to the Capital Plan Rule and Stress Capital Buffer Requirement
The Federal Reserve System published this final rule in the Federal Register on October 2, 2026. It takes effect on December 1, 2026.
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What the agency says
The Board is adopting a final rule to 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 final rule uses the average of the maximum common equity tier 1 capital ratio declines projected in each of the Board's prior two annual supervisory stress tests to inform a firm's stress capital buffer requirement. The final rule also extends 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 Board is adopting 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. The final rule also amends the Stress Testing Policy Statement to remove the phase-in of highly material supervisory model changes.
Key facts
- Document number
- 2026-20246
- Type
- Final rule
- Action
- Final rule
- Agency
- Federal Reserve System
- Published
- October 2, 2026
- Takes effect
- December 1, 2026
- Dates
- The final rule is effective December 1, 2026.
- 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
- 19
Other documents from the Federal Reserve System
Everything from the Federal Reserve System · Rules on administrative practice and procedure · Rules on banks, banking · Rules on holding companies · Published in October 2026
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.