The FDIC has consolidated a number of resources relating to Regulatory Capital. This webpage will allow users to:
- Review the regulatory capital rules that govern the capital adequacy of FDIC-supervised depository institutions.
- Browse recent news and press releases, financial institution letters, notices of proposed rulemaking, final rules, and related documents from the Basel Committee on Banking Supervision.
The Federal Deposit Insurance Corporation, Board of Governors of the Federal Reserve System, and Office of the Comptroller of the Currency issued on April 7, 2020, an interim final rule to allow banking organizations to neutralize the regulatory capital effects of participating in the Payment Protection Program Lending Facility. Through the facility, Federal Reserve Banks can extend non-recourse loans to eligible institutions to fund loans under the Paycheck Protection Program, a loan guarantee program established by the Small Business Administration to provide relief to small businesses during the COVID-19 emergency.
- FIL-37-2020: Changes to the Regulatory Capital Rule to Accommodate the Paycheck Protection Program
- Regulatory Capital Rule: Paycheck Protection Program Lending Facility and Paycheck Protection Program Loans - PDF
On March 31, the FDIC, the Federal Reserve Board and the Office of the Comptroller of the Currency released a joint statement on the interaction of Regulatory Capital Rule: Revised Transition of the CECL Methodology for Allowances with Section 4014 of the Coronavirus Aid, Relief, and Economic Security Act.
- Regulatory Capital Rule: Revised Transition of the CECL Methodology for Allowances with Section 4014 of the Coronavirus Aid, Relief, and Economic Security Act -PDF
On March 27, 2020, the federal bank regulatory agencies issued two actions to support the U.S. economy and allow banking organizations to continue lending to households and businesses: allowing early adoption of a new methodology on how certain banking organizations are required to measure counterparty credit risk derivatives contracts; and providing an optional extension of the regulatory capital transition for the new credit loss accounting standard.
- Standardized Approach for Calculating the Exposure Amount of Derivative Contracts - PDF
- Regulatory Capital Rule: Revised Transition of the Current Expected Credit Losses Methodology for Allowances - PDF
On March 22, 2020 the FDIC and other FFIEC regulators issued a joint statement on modifications by financial institutions working with customers affected by the Coronavirus that clarifies that borrowers of one-to-four family residential mortgages where loans are prudently underwritten and not past due or carried in nonaccrual status do not result in loans being considered restructured or modified for the purpose of respective risk-based capital rules. This statement was revised April 7, 2020.
- FIL-36-2020: Revised Interagency Statement on Loan Modifications by Financial Institutions Working with Customers Affected by the Coronavirus
On March 19, 2020, the FDIC, the Federal Reserve Board and the Office of the Comptroller of the Currency issued a frequently asked questions document to clarify the agencies' Statement Regarding the Use of Capital and Liquidity Buffers issued March 17, 2010.
On March 19, 2020, federal bank regulatory agencies issued interim final rule for money market liquidity facility (MMLF). The interim final rule modifies the agencies’ capital rules so that financial institutions receive credit for the low risk of their MMLF activities, reflecting the fact that institutions would be taking no credit or market risk in association with such activities.
- PR-35-2020: Federal Bank Regulatory Agencies Issue Interim Final Rule for Money Market Liquidity Facility
- Regulatory Capital Rule: Money Market Mutual Fund Liquidity Facility - PDF
On March 17, 2020, the FDIC issued a joint Interim Final Rule on Regulatory Capital – Eligible Retained Income. The Interim Final Rule provides a technical change to phase in, as intended, the automatic distribution restrictions gradually if a firm's capital levels decline. The interim final rule facilitates the use of firms' capital buffers to promote lending activity to households and businesses.
- FIL-21-2020: Regulatory Capital Rule: Eligible Retained Income
- Interim Final Rule on Regulatory Capital – Eligible Retained Income - PDF
On March 16, 2020, the FDIC, the Federal Reserve Board and Office of the Comptroller of the Currency issued a statement encouraging banks to use the Federal Reserve Discount Window.
Banker Webinar: Community Bank Leverage Ratio Framework. The FDIC hosted a webinar on February 25, 2020, to discuss the optional Community Bank Leverage Ratio (CBLR) capital framework for qualifying FDIC-supervised institutions.
- CBLR Framework Banker Webinar Slides - PDF
- CBLR Framework Banker Webinar Transcript for Presentation - PDF
- CBLR Framework Banker Webinar Transcript for Questions and Answers - PDF
- CBLR Framework Banker Webinar - Video (Approximate run time: 42 minutes)
On February 18, 2020, the FDIC hosted a webinar to discuss the Standardized Approach for Counterparty Credit Risk (SA-CCR).
- SA-CCR Webinar Slides - PDF
- SA-CCR Webinar Transcript - PDF
- SA-CCR Webinar - Video (Approximate run time: 54 minutes)
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