How Can Community Banks Go Fully Digital?
Published Date: 5/12/2025
Notice
Summary
The OCC wants to learn how community banks are using digital tools and what’s holding them back. They’re asking banks and the public to share their thoughts to help shape future support and rules. This could lead to easier, faster digital banking for small banks, with no immediate costs but big potential benefits down the road.
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
OCC Asks Community Banks About Digital Tools
The Office of the Comptroller of the Currency (OCC) issued a request for information asking community banks and the public how community banks use digital tools and what barriers they face when adopting digital banking solutions. The OCC says this information could help shape future support and rules for community banks; the notice does not impose immediate costs.
Personalized for You
How does this regulation affect your finances?
Personalize government policy and PRIA will tell you what this federal register document means for your household, plus every other regulation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.
Key Dates
Department and Agencies
Related Federal Register Documents
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.
2026-08328, National Bank Non-Interest Charges and Fees
Starting June 30, 2026, national banks can clearly charge all kinds of non-interest fees, like those from credit and debit card transactions—even if set with help from others. This rule makes it official that banks have the power to collect these fees, and the public can share their thoughts until May 29, 2026. If you use or work with banks, this could affect the fees you see on your statements!
2026-08143, Streamlining Regulations Concerning Public Welfare Investments, Open Market Collateralized Loan Obligations, and Federal Savings Association Nondiscrimination Requirements
The Treasury’s Office of the Comptroller of the Currency wants to simplify some banking rules by removing outdated or confusing parts. This affects banks, especially federal savings associations and those dealing with certain loan investments. They’re asking for public feedback by May 27, 2026, aiming to cut red tape and make compliance easier without changing costs.
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.
Previous / Next Documents
Previous: 2025-08279, Agency Information Collection Activities; Submission to the Office of Management and Budget for Review and Approval; Loan Guarantee, Insurance, and Interest Subsidy Program
The Office of the Assistant Secretary--Indian Affairs wants to keep collecting info for their Loan Guarantee, Insurance, and Interest Subsidy Program. This affects folks applying for or using these loan programs, helping them get financial support with less hassle. They’re asking for approval to continue, so expect no big changes or extra costs, just smoother paperwork soon!
Next: 2025-08281, Notice of Final Federal Agency Actions on Proposed Transportation Project in Utah
The Utah Department of Transportation and federal partners have given the green light to the Mountain View Corridor--2100 North Freeway project in Utah County. This means construction plans are set, affecting local drivers and communities with improved roads ahead. Keep an eye out—this project is moving forward with funding and timelines now locked in!