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🇺🇸 OCC Final Rule Urgency: high

Unsafe or Unsound Practices, Matters Requiring Attention; Correction

Final rule; correction. The Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) published a final rule in the Federal Register of September 1, 2026, to define the term "unsafe or unsound practice" for purposes of section 8 of the Federal Deposit Insurance Act and to…

Why this matters

The document is a correction notice to a final rule published September 1, 2026 (FR Doc. 2026-17823). The OCC and FDIC are correcting the agency docket number from an incorrect citation to OCC-2025-0174.

Effective Date: 2 November 2026
Bank
🇺🇸 OCC Final Rule Urgency: high Significant

Expanded Examination Cycle for Certain Small Insured Depository Institutions and U.S. Branches and Agencies of Foreign Banks

Joint interim final rule and request for comments. The OCC, Board, and FDIC (collectively, the Agencies) are jointly issuing and requesting public comment on an interim final rule to implement section 903 of the 21st Century ROAD to Housing Act. The interim final rule raises the asset threshold for certain supervised…

Why this matters

This is a joint final interim rule issued by OCC, Federal Reserve, and FDIC implementing statutory amendments to the Federal Deposit Insurance Act. It raises the asset threshold from $3 billion to $6 billion for qualifying insured depository institutions to qualify for 18-month (rather than 12-month) on-site...

Response Due: 14 October 2026
BankCredit Union
🇺🇸 OCC Final Rule Urgency: medium Significant

OCC Advances Community Bank Comeback, Reduces Exam Burden for Smallest Institutions

The Office of the Comptroller of the Currency today published an interim final rule that raises the asset threshold for certain supervised institutions with less than $6 billion in total assets to qualify for an 18-month on-site examination cycle, pursuant to the 21st Century ROAD to Housing Act.

Why this matters

This is an interim final rule that materially affects examination frequency and compliance obligations for a defined cohort of smaller banks. The asset threshold increase from $3B to $6B expands the population eligible for 18-month exam cycles, representing a concrete regulatory relief measure with operational and...

BankCredit Union
🇺🇸 OCC Final Rule Urgency: high Significant

Agencies Reduce Regulatory Burden for Community Banks, Increase Eligibility for 18-Month Exam Cycle

The federal bank regulatory agencies today issued an interim final rule increasing the number of community banks eligible for an 18-month exam cycle.

Why this matters

This is a final interim rule issued jointly by three federal banking agencies (OCC, Federal Reserve, FDIC) that increases the asset threshold for 18-month exam cycles from $3B to $6B, directly affecting examination frequency and supervisory burden for community banks and credit unions.

BankCredit Union
🇺🇸 OCC Final Rule Urgency: medium Significant

Expanded Examination Cycle Eligibility: Interim Final Rule

The Office of the Comptroller of the Currency (OCC), the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation have published an interagency interim final rule amending the regulations governing eligibility for the 18-month on-site examination cycle, pursuant to the 21st…

Why this matters

This is a binding interim final rule from the OCC (interagency with Fed and FDIC) that materially changes examination frequency requirements for banks under $6B in assets meeting 1-2 ratings and other criteria. The asset threshold expansion is substantive and affects a significant population of community banks.

BankCredit Union
🇺🇸 OCC Final Rule Urgency: high Significant

Unsafe or Unsound Practices, Matters Requiring Attention

Final rule. The Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) are adopting a final rule to define the term "unsafe or unsound practice" for purposes of section 8 of the Federal Deposit Insurance Act and to revise the supervisory framework for the issuance of…

Why this matters

This is a final rule (Document 2026-17823, 91 FR 56004) jointly issued by the OCC and FDIC that codifies a regulatory definition of 'unsafe or unsound practice' under section 8 of the Federal Deposit Insurance Act and revises supervisory frameworks for issuance of Matters Requiring Attention (MRAs).

Effective Date: 2 November 2026
BankCredit Union