Regulatory Capital Rule and Total Loss-Absorbing Capacity Rule: Eligible Retained Income Final Rule Summary

Updated 10/16/2020

This tool summarizes the agencies' and the Board's final rule revising the definition of eligible retained income for the capital and TLAC rules. The key revision is that eligible retained income now means the greater of:

  1. A bank's or a TLAC-covered company's net income for the four preceding calendar quarters, net any distributions and associated tax effects not already reflected in net income; and
  2. A bank's or a TLAC-covered company's average net income over the preceding four quarters.

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