Federal Register #2026-05960

Proposed Rulemaking: Regulatory Capital Rules and Standardized Approach for Risk-Weighted Assets

This joint rulemaking proposal from the Office of the Comptroller of the Currency (OCC), Federal Reserve, and FDIC seeks public input on changes to regulatory capital rules for banking organizations. - Government Buyers/Regulators: - Office of the Comptroller of the Currency (OCC), Department of the Treasury - Board of Governors of the Federal Reserve System - Federal Deposit Insurance Corporation (FDIC) - No OEMs or commercial vendors are involved; this is a regulatory action, not a procurement of goods or services. - Products/Services Requested: - No products or services are being procured; the agencies are soliciting public comments on proposed regulatory changes. - Key Regulatory Changes Proposed: - Revise risk-based capital treatment for certain exposure categories under the standardized approach - Improve calibration and risk sensitivity of risk weights for banking organizations - Adjust the definition of regulatory capital, including: - Removing the threshold-based deduction for mortgage servicing assets - Requiring Category III and IV banking organizations to recognize most elements of accumulated other comprehensive income in regulatory capital - Note: Concurrent rulemaking for Category I and II organizations to use an expanded risk-based approach for risk-weighted assets - Unique/Notable Requirements: - Focus on regulatory definitions and capital calculations, not procurement - Agencies are seeking public comments, not bids or proposals for products/services

Description

The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation are proposing modifications to the regulatory capital rule. The proposal aims to revise the risk-based capital treatment of certain exposure categories under the standardized approach to improve calibration and risk sensitivity. It also proposes changes to the definition of regulatory capital, including removing the threshold-based deduction for mortgage servicing assets and requiring certain banking organizations to recognize most elements of accumulated other comprehensive income in their regulatory capital. Comments on the proposal must be received by June 18, 2026.

View original listing