Fed Hikes Bank Reserve Rate to 3.90%: Loans Feel It

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.

2026-20017, 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 and wait for approval. People can check these applications and share their thoughts by October 15, 2026. This keeps bank ownership clear and fair, making sure no surprises pop up in who’s running the banks.

2026-20036, Regulation A: Extensions of Credit by Federal Reserve Banks

Starting September 17, 2026, the Federal Reserve raised the main loan interest rate for banks from 3.75% to 4.00%, and the backup loan rate went up from 4.25% to 4.50%. This change affects banks borrowing short-term money from the Fed and aims to keep the financial system steady. The new rates officially kicked in on September 30, 2026, so banks should plan accordingly.

Previous: 2026-20036, Regulation A: Extensions of Credit by Federal Reserve Banks

Starting September 17, 2026, the Federal Reserve raised the main loan interest rate for banks from 3.75% to 4.00%, and the backup loan rate went up from 4.25% to 4.50%. This change affects banks borrowing short-term money from the Fed and aims to keep the financial system steady. The new rates officially kicked in on September 30, 2026, so banks should plan accordingly.

Next: 2026-20039, Television Broadcasting Services Norwell, Massachusetts

The FCC is switching TV channel 36 to channel 10 for WWDP in Norwell, Massachusetts, so the station can keep broadcasting without interruptions. RNN Boston License Co., the station’s owner, asked for this change and will quickly apply to operate on the new channel. This update takes effect on September 30, 2026, ensuring viewers keep enjoying their favorite shows smoothly.