FDIC seeks input on boring bank paperwork renewal
Published Date: 6/23/2025
Notice
Summary
The FDIC is asking everyone to help review and renew some important paperwork rules they use to keep things running smoothly. This affects banks and the public by making sure the forms and info they collect aren’t too tricky or time-consuming. You’ve got a chance to share your thoughts before the renewal happens, so don’t miss out!
No Economic Impacts Identified for this Document
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.
2026-05960, 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.
2025-21625, 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.
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.
2026-20735, Extensions of Credit to Insiders
The FDIC is giving banks and insiders more time to share their thoughts on new rules about loans to insiders by extending the comment deadline to November 4, 2026. These rules aim to keep lending fair and safe, especially when insiders like executives or board members borrow money. If you’re involved with banks or interested in fair lending, now’s your chance to speak up before the final rules are set!
Previous / Next Documents
Previous: 2025-11418, Guidance on Referrals for Potential Criminal Enforcement
The NTSB is updating how it handles cases that might involve criminal actions, following a new executive order aimed at cutting down on too many criminal rules. While the NTSB isn’t a rule-making agency, it’s setting clear steps for when to refer possible crimes to the right authorities. This helps keep things fair and efficient, with no new costs or deadlines for the public.
Next: 2025-11420, Self-Regulatory Organizations; The Options Clearing Corporation; Notice of Designation of Longer Period for Commission Action on Proposed Rule Change, as Modified by Partial Amendment No. 1, Concerning Modifications to OCC's Recovery and Orderly Wind-Down Plan (“RWD Plan” or “Plan”) To Align With the Recently Adopted SEC RWD Rule
The Options Clearing Corporation (OCC) wants to update its plan for handling emergencies and shutdowns to match new SEC rules. This affects investors and market players who rely on OCC’s smooth operations. The SEC is taking extra time to review these changes, so no money moves or big shifts will happen just yet.