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Effective Date: Expanded Examination Cycle for Certain Small Insured Depository Institutions and U.S. Branches and Agencies of Foreign Banks- OCC, FRB, and FDIC

AGENCY:

Office of the Comptroller of the Currency (OCC), Treasury; Board of Governors of the Federal Reserve System (Board); and Federal Deposit Insurance Corporation (FDIC).

ACTION:

Joint interim final rule and request for comments.

SUMMARY:

The joint interim final rule issued by the OCC, FRB and FDIC expands eligibility for the 18 month safety and soundness examination cycle to well capitalized, well managed institutions with less than $6 billion in assets, doubling the previous $3 billion threshold. For qualifying banks, this is intended to reduce regulatory burden and provide scheduling certainty. The agencies emphasize that off-site monitoring and strict eligibility criteria such as, capital strength, strong management ratings, no recent enforcement actions, and no recent change in control, will continue to mitigate supervisory risk. As this is an interim final rule, comments are due by 10/14/2026.

DATES:

The interim final rule is effective on September 14, 2026. Comments on the rule must be received by October 14, 2026.

https://www.federalregister.gov/documents/2026/09/14/2026-18766/expanded-examination-cycle-for-certain-small-insured-depository-institutions-and-us-branches-and

  • September 14, 2026
  • Time: All Day
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