OCC Refreshes Bank Risk Reporting Forms for OMB Nod

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.

2026-08328, 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!

2026-08298, 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.

2026-08143, 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The Treasury’s Office of the Comptroller of the Currency wants to simplify some banking rules by removing outdated or confusing parts.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.

2025-21625, 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.

Previous: 2025-11751, Foreign-Trade Zone (FTZ) 193, Notification of Proposed Production Activity; Lithionics Battery, LLC; (Lithium-Ion Battery Systems and Accessories); Clearwater, Florida

Lithionics Battery, LLC in Clearwater, Florida wants to make lithium-ion battery systems and accessories using some imported parts under special Foreign-Trade Zone rules. This means they could save on import taxes for certain materials, helping them produce more efficiently. The government is reviewing their plan, which was submitted in June 2025, and if approved, it could boost local manufacturing and cut costs.

Next: 2025-11753, Carbon and Alloy Steel Threaded Rod From India, Taiwan, Thailand, and the People's Republic of China: Continuation of Antidumping Duty Orders and Countervailing Duty Order

The U.S. is keeping extra taxes on steel threaded rods from India, Taiwan, Thailand, and China to protect American businesses. These rules stop unfair pricing and unfair help from foreign governments. This means importers will keep paying these duties for now, helping U.S. companies stay strong.