Banks Get Three More Years of Capital Reporting Paperwork

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.

2026-18859, Proposed Third-Party Risk Management Guidance

Big banks and credit unions, listen up! The government agencies want to update the rules on how you manage risks from outside companies you work with. This new guidance helps you focus on the riskiest partners, tailor your approach based on your size and complexity, and use resources smarter—all aiming to keep your money safe and sound. Get your comments in by November 16, 2026, or miss out on shaping the future!

2026-18766, Expanded Examination Cycle for Certain Small Insured Depository Institutions and U.S. Branches and Agencies of Foreign Banks

Starting September 14, 2026, small banks and U.S. branches of foreign banks with less than $6 billion in assets can now enjoy longer breaks between on-site exams—18 months instead of the usual 12! This change means less hassle and more time to focus on serving customers, with no extra costs. The agencies want your thoughts by October 14, 2026, so speak up if you have ideas!

Previous: 2026-21183, Environmental Impact Statements; Notice of Availability

The EPA just shared new Environmental Impact Statements (EIS) from October 5-13, 2026, showing how projects might affect the environment. If you care about forests, air, or local projects, this info is for you! One key project, the Twin Mountain II Timber Sale in Alaska, has a review deadline of November 30, 2026, so don’t miss your chance to weigh in.

Next: 2026-21186, Submission for Office of Management and Budget Review; Unaccompanied Refugee Minors Program ORR-3 Report and ORR-4 Report

The Office of Refugee Resettlement wants to keep collecting info on unaccompanied refugee kids for three more years but with simpler, clearer forms. This change affects agencies helping these kids by cutting paperwork by about 41% and switching outcome reports from youth to providers. Comments on these updates are open until November 16, 2026, with a year to fully roll out the new forms.