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Federal Deposit
Insurance Corporation

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

Regulatory Capital

The FDIC has consolidated a number of resources relating to Regulatory Capital. This webpage will allow users to:

What's New

On September 17, 2019, the FDIC Board of Directors approved an interagency final rule that introduces the Community Bank Leverage Ratio (CLBR) framework, an optional simplified measure of capital adequacy for qualifying community banking organizations in Part 324, in accordance with Section 201 of the Economic Growth, Regulatory Relief, and Consumer Protection Act.

On September 17, 2019, the FDIC Board of Directors approved an interagency direct final rule that permits non-advanced approaches banking organizations to implement the sections of the Capital Simplifications Final Rule Pursuant to the Economic Growth and Regulatory Paperwork Reduction Act of 1996 that were originally effective on April 1, 2020, beginning on January 1, 2020, or wait until April 1, 2020.

On July 12, 2019, the FDIC, the Office of the Comptroller of the Currency, and the Board of Governors of the Federal Reserve System issued a proposal that expands on the agencies' September 2018 proposal to revise the definition of high volatility commercial real estate (HVCRE) as required by the Economic Growth, Regulatory Relief, and Consumer Protection Act. The land development proposal would clarify that loans that solely finance the development of land for residential properties would meet the revised definition of HVCRE, unless the loan qualifies for another exemption.

On July 9, 2019, the FDIC, the Office of the Comptroller of the Currency, and the Board of Governors of the Federal Reserve System adopted a final rule to simplify certain aspects of the capital rule for non-advanced approaches banking organizations. The final rule is responsive to the agencies' March 2017 report to Congress pursuant to the Economic Growth and Regulatory Paperwork Reduction Act of 1996, in which the agencies committed to meaningfully reduce regulatory burden, especially on community banking organizations.

On April 16, 2019, the FDIC, the Office of the Comptroller of the Currency, and the Board of Governors of the Federal Reserve System issued a proposal that would establish risk-based categories for determining applicability thresholds for regulatory capital requirements for certain U.S. subsidiaries of foreign banking organizations and application of liquidity requirements to foreign banking organizations, certain U.S. depository institution holding companies, and certain depository institution subsidiaries. Comments on the proposal must be received by June 21, 2019.

On March 29, 2019, the Office of the Comptroller of the Currency, Board of Governors of the Federal Reserve System, and Federal Deposit Insurance Corporation released a proposal to implement section 402 of the Economic Growth, Regulatory Relief, and Consumer Protection Act. Section 402 directs these agencies to amend the supplementary leverage ratio of the regulatory capital rule to exclude certain funds of banking organizations deposited with central banks if the banking organization is predominantly engaged in custody, safekeeping, and asset servicing activities. Comments will be accepted for 60 days following publication in the Federal Register.

On March 28, 2019, the FDIC, the Office of the Comptroller of the Currency, and the Board of Governors of the Federal Reserve System issued a proposal which would amend the capital rule to require advanced approaches banking organizations to deduct from regulatory capital certain investments in certain unsecured debt instruments issued by Global Systemically Important Banks and certain of their subsidiaries for the purposes of meeting minimum Long Term Debt or Total Loss Absorbing Capacity requirements. Comments will be accepted for 60 days following publication in the Federal Register.

On December 18, 2018, the FDIC Board of Directors approved an interagency Final Rulemaking modifying their regulatory capital rules and providing an option to phase in the new accounting standard for credit losses, known as "Current Expected Credit Losses" (CECL) methodology. The final rule allows banking organizations to phase in the day-one regulatory capital effects of CECL adoption throughout three years. The final rule also revises the agencies' regulatory capital rule and other rules to reflect the new accounting standard.

On December 18, 2018, staff of the Federal banking agencies hosted a national banker teleconference to discuss the Community Bank Leverage Ratio (CBLR). See below for materials.

On November 20, 2018, the FDIC, the Office of the Comptroller of the Currency, and the Board of Governors of the Federal Reserve System issued a proposal that would establish risk-based categories for determining applicability of requirements under the regulatory capital rules, the liquidity coverage ratio (LCR) rule, and the proposed net stable funding ratio (NSFR) rule for large U.S. banking organizations. The categories would not apply to banking organizations with total consolidated assets less than $100 billion. The comment period would end on January 22, 2019.

On September 17, 2018, the FDIC Board of Directors approved an interagency Notice of Proposed Rulemaking (NPR) that would revise the definition of an HVCRE exposure in Part 324, in accordance with Section 214 of the Economic Growth, Regulatory Relief, and Consumer Protection Act, and provide interpretations for certain aspects of the revised HCVRE exposure definition.

On November 21, 2017, the FDIC Board of Directors approved a Final Rule to extend the existing provisions for certain banking organizations for a targeted set of items: mortgage servicing assets, certain deferred tax assets, investments in the capital instruments of unconsolidated financial institutions, and minority interest.

On October 12, 2017, staff of the Federal banking agencies hosted a national banker teleconference to discuss the Proposed Simplifications to the Capital Rule Pursuant to the Economic Growth and Regulatory Paperwork Reduction Act of 1996. See below for materials:


Excel Help - Information on using Excel.
Excel Help - The Capital Simplification NPR estimator tool is supported by Microsoft® Excel 2010 and later versions. On October 10, 2017, Microsoft® will no longer support Excel 2007 or older versions and it is the FDIC’s expectation that banks will not be using unsupported versions of the product.

PDF Help -  Information on downloading and using the PDF reader.

Video Help -  Information on viewing videos.

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