Data / Federal rules / 2026-08298
Regulatory Capital Rule: Community Bank Leverage Ratio Framework
The Federal Deposit Insurance Corporation published this final rule in the Federal Register on April 29, 2026. It took effect on July 1, 2026.
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What the agency says
The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation are adopting a final rule that lowers the community bank leverage ratio (CBLR) requirement from 9 percent to 8 percent, consistent with the lower bound provided in section 201 of the Economic Growth, Regulatory Relief, and Consumer Protection Act. The final rule also extends the length of time that certain depository institutions and depository institution holding companies can remain in the CBLR framework while not meeting all of the qualifying criteria for the CBLR framework from two consecutive quarters to four consecutive quarters, subject to a limit of eight quarters in the previous five- year period.
Key facts
- Document number
- 2026-08298
- Type
- Final rule
- Action
- Final rule
- Agency
- Treasury Department; Comptroller of the Currency; Federal Reserve System; Federal Deposit Insurance Corporation
- Published
- April 29, 2026
- Takes effect
- July 1, 2026
- Dates
- The final rule is effective July 1, 2026.
- Docket
- Docket ID OCC-2025-0141; Docket No. R-1876
- Regulation ID (RIN)
- 1557-AF33; 3064-AG17; 7100-AH08
- Code of Federal Regulations
- 12 CFR 3; 12 CFR 217; 12 CFR 324
- Topics
- Administrative practice and procedure; Banks, banking; Confidential business information; Holding companies; Investments; Reporting and recordkeeping requirements; Savings associations; Securities
- Pages
- 17
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Everything from the Federal Deposit Insurance Corporation · Rules on administrative practice and procedure · Rules on banks, banking · Rules on confidential business information · Published in April 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.