Data / Federal rules / 2025-20744

Regulation D: Reserve Requirements of Depository Institutions

The Federal Reserve System published this final rule in the Federal Register on November 24, 2025. It took effect on December 24, 2025.

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What the agency says

The Board is amending Regulation D, Reserve Requirements of Depository Institutions, to reflect the annual indexing of the reserve requirement exemption amount and the low reserve tranche for 2026. The annual indexation of these amounts is required notwithstanding the Board's action in March 2020 of setting all reserve requirement ratios to zero. The Board is amending Regulation D to set the reserve requirement exemption amount at $39.2 million (increased from $37.8 million in 2025) and the amount of the low reserve tranche at $674.1 million (increased from $645.8 million in 2025). The adjustments to both of these amounts are derived using statutory formulas specified in the Federal Reserve Act (the "Act"). The annual indexation of the reserve requirement exemption amount and low reserve tranche is required by statute but will not affect depository institutions' reserve requirements, which will remain zero.

Key facts

Document number: 2025-20744
Type: Final rule
Action: Final rule
Agency: Federal Reserve System
Published: November 24, 2025
Takes effect: December 24, 2025
Dates: Effective date: December 24, 2025.
Docket: Docket No. R-1881; RIN 7100-AH13
Code of Federal Regulations: 12 CFR 204
Topics: Banks, banking; Reporting and recordkeeping requirements
Pages: 3

The document on federalregister.gov PDF

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Everything from the Federal Reserve System · Rules on banks, banking · Rules on reporting and recordkeeping requirements · Published in November 2025

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.