OCC Issues Final Rule to Rescind Recovery Planning Guidelines

March 31, 2026 / Source: Office of the Comptroller of the Currency

News Release 2026-21|March 31, 2026

WASHINGTON—The Office of the Comptroller of the Currency (OCC) today announced a final rule to rescind its recovery planning guidelines for certain large insured national banks, federal savings associations, and federal branches (banks).

“Recovery planning guidelines that require large banks to engage in prescriptive planning activities do little to improve their ability to manage through stress and distract from the real work of running a safe and sound institution,” said Comptroller of the Currency Jonathan V. Gould. “Rescinding these guidelines helps ensure the banks we supervise can focus their resources on serving their customers and communities.”

In the final rule, the OCC rescinded its recovery planning guidelines, which apply to banks with at least $100 billion in assets. The final rule is part of the OCC’s ongoing effort to identify and eliminate unnecessary regulatory burden. The OCC expects the institutions it supervises to be well managed and have appropriate risk management processes in place to prepare for and respond to stress events, including through appropriate contingency funding plans.

The final rule does not affect OCC-supervised banks with less than $100 billion in average total consolidated assets and has no impact on community banks.

The final rule will become effective 30 days after publication in the Federal Register.

Related Link

• Federal Register Notice (PDF)