Data / Federal rules / 2025-21626
Regulatory Capital Rule: Modifications to the Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Their Subsidiary Depository Institutions; Total Loss-Absorbing Capacity and Long-Term Debt Requirements for U.S. Global Systemically Important Bank Holding Companies
The Federal Deposit Insurance Corporation published this final rule in the Federal Register on December 1, 2025. It took effect on April 1, 2026.
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What the agency says
The Office of the Comptroller of the Currency (OCC), Board of Governors of the Federal Reserve System (Board), and Federal Deposit Insurance Corporation (FDIC) are adopting a final rule to modify the enhanced supplementary leverage ratio standards applicable to U.S. bank holding companies identified as global systemically important bank holding companies (GSIBs), their subsidiary depository institutions that are Board- or FDIC-regulated, and national banks and Federal savings associations that are subsidiaries of a U.S. top-tier bank holding company with total consolidated assets of more than $700 billion or assets under custody of more than $10 trillion (together with Board- and FDIC-regulated subsidiary depository institutions of GSIBs, covered depository institutions). These modifications are intended to help ensure that the enhanced supplementary leverage ratio standards serve as a backstop to risk-based capital requirements rather than a frequently binding constraint, thus reducing potential disincentives for GSIBs and covered depository institutions to participate in low-risk, low-return activities. The Board is also finalizing conforming amendments to its total loss-absorbing capacity and long-term debt requirements. In addition, the Board is making conforming amendments to relevant regulatory reporting forms, and the Board and FDIC are making final certain technical corrections to the capital rule and the prompt corrective action framework. Banking organizations subject to the final rule may elect to early adopt the final rule as of January 1, 2026.
Key facts
- Document number
- 2025-21626
- Type
- Final rule
- Action
- Final rule
- Agency
- Treasury Department; Comptroller of the Currency; Federal Reserve System; Federal Deposit Insurance Corporation
- Published
- December 1, 2025
- Takes effect
- April 1, 2026
- Dates
- The final rule is effective April 1, 2026.
- Docket
- Docket ID OCC-2025-0006; Regulations H, Q, and YY; Docket No. R-1867
- Regulation ID (RIN)
- 1557-AF31; 3064-AG11; 7100-AG96
- Code of Federal Regulations
- 12 CFR 3; 12 CFR 6; 12 CFR 208; 12 CFR 217; 12 CFR 252; 12 CFR 324
- Topics
- Administrative practice and procedure; Banks, banking; Confidential business information; Crime; Currency; Holding companies; Investments; Mortgages; Penalties; Qualified financial contracts; Reporting and recordkeeping requirements; Savings associations; Securities
- Significant
- Yes, under Executive Order 12866
- Pages
- 45
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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 December 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.