FDIC Seeks Comments on Renewing Bank Deposit Data Collection

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.

2025-21626, 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.

2026-19310, State Bank Parity

The FDIC wants to make sure out-of-State State banks get the same treatment as national banks when following host State laws while offering services outside their home State. This means if a national bank doesn’t have to follow certain State laws in a host State, then an out-of-State State bank won’t either. Banks and customers should watch for changes, and comments on this proposal are open until November 23, 2026.

Previous: 2026-19595, Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

If you want to buy or control shares in a bank or bank holding company, you need to tell the Federal Reserve first. They’re checking applications from folks like the Sexton family who want to keep control of their banks. You’ve got until October 9, 2026, to share your thoughts, so don’t miss the deadline!

Next: 2026-19599, Privacy Act of 1974; Matching Program

The Small Business Administration fixed a mistake in a recent notice about a program that checks benefit records against the Treasury’s Do Not Pay list to stop improper payments. This update adds missing details about the privacy rules protecting your info. If you’re involved with SBA benefits, this means better accuracy and privacy safeguards starting now, with no new costs announced.