FDIC Schedules Last-Minute Meeting with Little Warning
Published Date: 11/24/2025
Notice
Summary
The FDIC is holding a public board meeting on November 25, 2025, with less than seven days' notice, streaming it online for everyone to watch. They'll discuss important banking rules and updates that could affect community banks and big bank holding companies. This quick notice helps keep things transparent while making sure key decisions happen on time without delays.
Analyzed Economic Effects
6 provisions identified: 1 benefits, 1 costs, 4 mixed.
Proposed Change to Community Bank Leverage Rule
The FDIC Board will consider a Notice of Proposed Rulemaking titled 'Regulatory Capital Rule: Revisions to the Community Bank Leverage Ratio Framework' at its November 25, 2025 meeting. The item is listed on the Board's discussion agenda for that date.
Final Rule on GSIB Leverage and TLAC/LTD
The FDIC Board will consider a Final Rule: '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' at the November 25, 2025 meeting.
Designated Reserve Ratio for 2026 Consideration
The FDIC Board will consider the 'Designated Reserve Ratio for 2026' at its November 25, 2025 meeting according to the summary agenda. This item appears on the summary agenda and is expected to be resolved with a single vote unless moved for discussion.
Delay of Compliance Date for FDIC Signage and Advertising Rules
The Board's summary agenda includes a Final Rule described as 'Delay of Compliance Date: FDIC Official Signs and Advertising Requirements, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC's Name or Logo.' The Board will resolve this item at the November 25, 2025 meeting unless it is moved for discussion.
FDIC Board Meeting Open via Webcast
The FDIC Board will hold a public meeting at 10:00 a.m. on November 25, 2025, and it will be open to public observation by webcast at https://www.fdic.gov/news/board-matters/video.html. Members of the media may request in-person attendance by contacting the Office of Communications by November 24, 2025.
Adjusting and Indexing Regulatory Thresholds
The Board's summary agenda for the November 25, 2025 meeting includes a Final Rule item described as 'Adjusting and Indexing Certain Regulatory Thresholds.' No substantive discussion is anticipated unless moved to the discussion agenda.
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Key Dates
Department and Agencies
Related Federal Register Documents
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.
2026-17505, Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has Been Appointed Either Receiver, Liquidator, or Manager
Notice is hereby given that the Federal Deposit Insurance Corporation (Corporation) has been appointed the sole receiver for the following financial institution effective as of the Date Closed as indicated in the listing.
2026-17307, Interagency Rescission of the Interagency Statement on Special Purpose Credit Programs Under the Equal Credit Opportunity Act and Regulation B
FDIC, NCUA, OCC, CFPB, HUD, DOJ, and FHFA (collectively, the agencies) are issuing this notice to inform the public of the rescission of the "Interagency Statement on Special Purpose Credit Programs Under the Equal Credit Opportunity Act and Regulation B" (Interagency Statement), dated February 22, 2022. The agencies are rescinding the Interagency Statement to make clear that (1) creditors may not discriminate against borrowers based on prohibited characteristics and (2) creditors should not rely upon the Interagency Statement or other related issuances going forward.
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