Feds Raise Bar on Mortgage Appraisals to Speed Up Home Buying

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.

2026-05960 — 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.

2026-05958 — Proposed Agency Information Collection Activities; Comment Request

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!

2025-22481 — Proposed Agency Information Collection Activities; Comment Request

The Treasury, Federal Reserve, and FDIC are updating important bank reports called Call Reports, which big banks use to share financial info. These changes, starting June 30, 2026, tweak how banks report certain capital rules to keep things clear and fair. If you have thoughts, you’ve got until January 12, 2026, to speak up—no cost to respond, but your input matters!

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.

2025-06748 — Temporary Exceptions to FIRREA Appraisal Requirements in Los Angeles County as Affected by California Wildfires and Straight-Line Winds

If you’re dealing with real estate loans or sales in Los Angeles County after the recent wildfires and strong winds, good news! The usual strict property appraisal rules are temporarily relaxed to help speed things up. These special rules last until January 8, 2028, giving banks and buyers more flexibility during recovery.

Previous: 2025-22874 — Entities Wholly Owned by Indian Tribal Governments

The IRS just finalized rules about how Tribal governments’ fully owned businesses are treated for federal taxes. These Tribal entities usually aren’t seen as separate for income tax but are recognized separately for some employment and excise taxes. Starting January 15, 2026, these changes also affect how Tribal entities can claim energy credits under the Inflation Reduction Act, making it easier for Tribes to benefit financially.

Next: 2025-22915 — Federal Management Regulation; Aligning the Federal Management Regulation (FMR) With the Administration's Deregulatory Priorities

Starting December 16, 2025, the government is updating its Federal Management Regulation to make rules simpler and smarter. This affects how federal agencies handle things like vehicles, mail, property, and transportation, cutting red tape and boosting efficiency. These changes save time and money while making sure everything follows the law and the President’s deregulatory goals.