FDIC Ends New City Bank Receivership: Assets Sold, Case Closed

2026-17823, Unsafe or Unsound Practices, Matters Requiring Attention

The OCC and FDIC are rolling out a new rule starting November 2, 2026, that clearly defines what counts as 'unsafe or unsound practices' for banks and savings institutions. This update helps banks focus on big financial risks instead of small paperwork issues, making supervision smarter and fairer. Banks will need to adjust how they handle these risks, which could affect their operations and how they communicate with regulators.

2026-08298, Regulatory Capital Rule: Community Bank Leverage Ratio Framework

Starting July 1, 2026, community banks get a break! The minimum leverage ratio drops from 9% to 8%, making it easier for smaller banks to meet rules. Plus, banks can now stay in this easier framework longer—up to four straight quarters instead of two—helping them manage their money better without rushing.

2026-05960, Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-Weighted Assets

Big banks and community banks are getting new rules to better measure the risks in their loans and investments. The changes update how banks count certain assets and income when figuring out their safety net money, called regulatory capital. These updates aim to make banks safer and smarter with their money, with some rules kicking in soon and affecting how much capital banks need to hold.

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

Big U.S. banks that are super important to the economy are getting new rules to keep them safer and stronger. These changes tweak how much money they must keep on hand and how they handle long-term debt, helping prevent financial trouble. The new rules kick in soon and could affect how these banks manage billions in assets and debt.

2025-21625, Regulatory Capital Rule: Revisions to the Community Bank Leverage Ratio Framework

The government wants to make it easier for small banks to stay in a special low-risk capital program by lowering the required leverage ratio from 9% to 8%. They’re also giving banks more time—up to four quarters instead of two—to fix any issues without losing their spot. Banks and bank holding companies should weigh in by January 30, 2026, as these changes could save them money and reduce red tape.

2026-20331, Notice of Termination of Receiverships

The FDIC has officially closed the receivership for America West Bank in Layton, Utah, as of October 1, 2026. This means all the bank’s affairs are wrapped up, all money owed has been paid out, and the receivership no longer exists. If you were involved, no more actions or claims will be needed, and the FDIC is fully done handling this case.

Previous: 2025-02951, Presidential Declaration Amendment of a Major Disaster for the State of California

California’s wildfire disaster declaration just got an update! The disaster period now officially covers January 7 to January 31, 2025, giving affected residents and businesses more time to apply for help. Physical loan applications are due by March 10, 2025, and economic injury loans can be applied for until October 8, 2025—so don’t miss out on the support!

Next: 2025-02955, Information Collection Requirement Being Reviewed by the Federal Communications Commission

The FCC is checking in on a paperwork rule that affects nearly 3,000 businesses, mostly phone and internet companies. They want your thoughts on how to make the process easier and less time-consuming, especially for small businesses. Comments are due by April 25, 2025, so don’t miss your chance to help shape the rules and maybe save some time and hassle!