Data / Federal rules / 2026-10377

Regulation D: Reserve Requirements of Depository Institutions

The Federal Reserve System published this proposed rule in the Federal Register on May 26, 2026. Comments closed on July 27, 2026.

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What the agency says

The Board of Governors of the Federal Reserve System (Board) proposes to amend its Regulation D (Reserve Requirements of Depository Institutions) to differentiate between master accounts and a proposed new category of special-purpose payment accounts (Payment Accounts). The proposed amendments would exclude Payment Accounts from Regulation D's provisions directing Federal Reserve Banks (Reserve Banks) to pay interest on balances maintained at a Reserve Bank. As a result, the Reserve Banks would not pay interest on balances maintained in Payment Accounts. The proposal would not affect reserve requirement ratios, which would remain zero.

Key facts

Document number: 2026-10377
Type: Proposed rule
Action: Notice of proposed rulemaking
Agency: Federal Reserve System
Published: May 26, 2026
Comments due: July 27, 2026
Dates: Comments must be received on or before July 27, 2026.
Docket: Docket No. R-1893
Regulation ID (RIN): 7100-AH25
Code of Federal Regulations: 12 CFR 204
Topics: Banks, banking; Reporting and recordkeeping requirements
Pages: 9

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 May 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.