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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 November 19, 2019, the FDIC Board of Directors approved an interagency final rule that revises a capital requirement for banking organizations predominantly engaged in custodial activities, as required by the Economic Growth, Regulatory Relief, and Consumer Protection Act. The final rule permits certain banking organizations—those predominantly engaged in custody, safekeeping, and asset servicing activities—to exclude qualifying deposits at certain central banks from their supplementary leverage ratio. Based on current data, only The Bank of New York Mellon Corporation, Northern Trust Corporation, and State Street Corporation, together with their depository institution subsidiaries, would qualify for the rule. The final rule will be effective April 1, 2020.

On November 14, 2019, the FDIC Board of Directors approved an interagency final rule that revises 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 provides interpretations for certain aspects of the revised HCVRE exposure definition, including the regulatory capital treatment for land development loans.

On October 15, 2019, the FDIC Board of Directors approved an interagency final rule that tailors regulatory capital and liquidity requirements for large U.S. bank holding companies, U.S. intermediate holding companies of foreign banking organizations, and certain depository institutions. Such entities will be placed into one of four categories, based on size, complexity, and risk profile.

On September 17, 2019, the FDIC Board of Directors approved an interagency final rule that introduces the Community Bank Leverage Ratio (CBLR) 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 April 22, 2019, The federal banking regulatory agencies jointly issued a Notice of Proposed Rulemaking, 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 (GSIBs) and certain of their subsidiaries for the purposes of meeting minimum Long Term Debt or Total Loss Absorbing Capacity requirements.

Recent Webinars

On November 21, 2019, staff of the Federal banking agencies hosted a banker webinar to discuss the Community Bank Leverage Ratio (CBLR) final rule. See below for materials.

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

Video Help -  Information on viewing videos.

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