Bank Regulators Seek Comments on Another Call Report Update
Published Date: 10/27/2026
Notice
Summary
The Treasury, Federal Reserve, and FDIC want your thoughts on updating a key financial report called the Call Report, which banks fill out to show their health. These updates tie into a new housing law and will last for three more years. If you’re involved with banks or finance, you’ve got until December 28, 2026, to share your feedback—no extra costs, just your voice!
Analyzed Economic Effects
3 provisions identified: 2 benefits, 1 costs, 0 mixed.
Call Report Extended and Continued Quarterly Filings
The agencies propose to extend for three years the Consolidated Reports of Condition and Income (Call Report) — FFIEC 031, 041, and 051 — which banks and savings associations must file quarterly. The notice lists estimated respondents and burden: OCC — 934 respondents, 41.38 hours per quarter (154,596 annual hours); Board — 705 respondents, 45.21 hours per quarter (127,492 annual hours); FDIC — 2,657 respondents, 38.81 hours per quarter (412,473 annual hours).
Reciprocal Deposit Exception Revised (Section 902)
Section 902 of the 21st Century ROAD to Housing Act (law effective July 11, 2026) changed how insured depository institutions qualify as an "agent institution" and replaced the single general cap with a tiered cap for excluding reciprocal deposits from brokered-deposit treatment. Under the amendment an institution may qualify under the first method if its most recent CAMELS composite rating was "1," "2," or "3" and it is well capitalized. The new tiered cap equals: 50% of total liabilities up to $1,000,000,000; 40% of the portion of total liabilities over $1,000,000,000 up to $10,000,000,000; and 30% of the portion of total liabilities over $10,000,000,000 up to $96,333,333,333.
Confidentiality Protection for Brokered Reciprocal Data
The agencies established a new confidentiality exception for amounts reported in Schedule RC-O, items 9 ("Brokered reciprocal deposits") and 9.a ("Fully consolidated brokered reciprocal deposits") because those amounts, when compared with public Schedule RC-E data, could reveal nonpublic supervisory information.
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Key Dates
Department and Agencies
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