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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

Since 1933, no depositor has ever lost a penny of FDIC-insured funds

Financial Institution Letters

November 21, 2018

Regulatory Capital Rule: Capital Simplification for Qualifying Community Banking Organizations

Printable Format:

FIL-77-2018 - PDF (PDF Help)


The federal banking agencies jointly have issued a notice of proposed rulemaking (NPR or proposal) which would provide for an optional, simplified measure of capital adequacy for qualifying community banking organizations, consistent with Section 201 of the Economic Growth, Regulatory Relief, and Consumer Protection Act. The NPR will be published in the Federal Register with a 60-day comment period.

Statement of Applicability: This proposal is applicable to all FDIC-supervised institutions with less than $10 billion in total consolidated assets except for advanced approaches banking organizations.



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FDIC Financial Institution Letters (FILs) may be accessed from the FDIC's website at

To receive FILs electronically, please visit

Paper copies may be obtained through the FDIC's Public Information Center, 3501 Fairfax Drive, E-1002, Arlington, VA 22226 (1-877-275-3342 or 703-562-2200).

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