Fed Lowers Borrowing Rates, Easing Loans for Mortgages and Cards

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.

2026-06545 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

If you want to buy or keep a big chunk of a bank or its parent company, you need to tell the Federal Reserve and wait for their thumbs-up. People who want to make these moves must share info publicly and accept comments until April 20, 2026. This keeps bank ownership clear and fair, so everyone knows who’s in charge and when changes happen.

2026-06101 — Formations of, Acquisitions by, and Mergers of Bank Holding Companies

Some companies want to become bank holding companies or buy banks, and the Federal Reserve is checking their applications. If you have thoughts, you can send comments by April 29, 2026. This process affects banks, investors, and the public, making sure big bank moves are safe and fair.

2026-05961 — Regulatory Capital Rule (Regulation Q): Risk-Based Capital Surcharges for Global Systemically Important Bank Holding Companies; Systemic Risk Report (FR Y-15)

Big banks that matter most to the U.S. economy will see changes in how their risk-based capital surcharges are calculated. The new rules tweak formulas, smooth out data bumps, and update reports to better match real-world risks, with adjustments for growth and inflation each year. These updates aim to keep our financial system safer, and banks need to get ready by June 18, 2026, to share their thoughts.

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.

2026-05993 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

If someone wants to buy or control shares in a bank or bank holding company, they have to tell the Federal Reserve first. People can check these plans and share their thoughts by April 13, 2026. This keeps bank ownership clear and fair, making sure big money moves get a thumbs-up from the government.

Previous: 2025-23337 — Wireless Emergency Alerts and the Emergency Alert System; Correction

The FCC fixed a mistake about when new rules for multilingual Wireless Emergency Alerts take effect. Instead of an earlier date, these rules now start on June 12, 2028. This update mainly affects phone companies and emergency services, giving them more time to get ready without any new costs right now.

Next: 2025-23390 — Regulation D: Reserve Requirements of Depository Institutions

Starting December 19, 2025, banks and similar institutions will earn a slightly lower interest rate of 3.65% on their money held at Federal Reserve Banks, down by 0.25%. This change helps keep the federal funds rate steady, which affects how much it costs to borrow money. If you’re a bank or credit union, this update impacts your earnings and how you manage your reserves.