Regulators Ask for Feedback on Bank Paperwork
Published Date: 3/27/2026
Notice
Summary
The Treasury, Federal Reserve, and FDIC want your thoughts on updating rules about how banks report their money and risks. These changes affect banks of all sizes, especially those with big trading activities, and aim to keep things clear and fair for the next three years. You’ve got until May 26, 2026, to share your ideas—no extra costs for banks, just smarter paperwork!
Analyzed Economic Effects
4 provisions identified: 0 benefits, 1 costs, 3 mixed.
Single expanded capital rule for big banks
Category I and II banking organizations would move to one set of risk-based capital rules called the "expanded risk-based approach." The standardized approach would no longer apply to those organizations and the advanced approaches would be removed. Other banking organizations could choose to adopt the expanded risk-based approach.
Large changes in estimated paperwork hours
The notice lists net PRA burden changes and total estimated annual burden hours. Examples: for the Expanded Risk-Based Proposal the OCC net is -24,142 hours, the Board net is -14,516 hours, and the FDIC net is -904 hours. For other changes the OCC shows +26,996 hours, the Board +34,589 hours, and the FDIC +52,234 hours. The estimated annual burden hours for the regulatory capital collections are listed as 46,106 (OCC), 74,204 (Board), and 111,349 (FDIC).
New threshold for 'significant trading activity'
The proposal defines "significant trading activity" as (1) more than $5 billion in trading activity or (2) trading activity equal to or higher than 10 percent of the banking organization's total assets. The revised market risk framework would apply to Category I and II depository institution holding companies and to other banking organizations that meet that threshold.
Three-year extension of PRA collections
The OCC, Board, and FDIC propose to extend for three years, with revision, the information collections tied to regulatory capital rules (OMB Nos. 1557-0318, 7100-0313, 3064-0153) and market risk capital rules (OMB Nos. 1557-0247, 7100-0314, 3064-0178). The agencies are seeking public comment on these revisions through May 26, 2026.
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Key Dates
Department and Agencies
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