Form Refresh: FDIC Calls for Input on Bank Paperwork Renewal

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.

2026-19308, Merger Transactions

The FDIC is proposing new rules to make bank merger reviews faster, clearer, and fairer. These changes affect banks, credit unions, and anyone involved in mergers by simplifying paperwork, speeding up approvals, and updating how deals are judged. Comments on the proposal are open until November 23, 2026, so now’s the time to weigh in!

Previous: 2025-15203, Agency Information Collection Activities; United States West Coast Port Infrastructure Survey

The Bureau of Ocean Energy Management wants to collect new info about West Coast ports to help improve infrastructure and keep things running smoothly. This affects port operators and businesses relying on these ports, with no extra costs but a chance to share important updates. They’re asking for feedback soon, so everyone’s voice can help shape the future of our ports!

Next: 2025-15206, Agency Information Collection; Activity Under OMB Review; Passenger Origin-Destination Survey Report

The Bureau of Transportation Statistics wants your thoughts on collecting airline passenger trip info, including ticket prices, from airlines. This helps the government understand travel patterns better. Airlines that fly scheduled passengers are involved, and your feedback can shape how this info is gathered, possibly saving time and improving accuracy.