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Federal Deposit
Insurance Corporation

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

Transparency & Accountability - EGRRCPA (S. 2155) Rulemakings

The FDIC is responsible for a number of rulemakings under the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA). This page provides links to proposed and final rules and related documents.

Section Description Status
103 Appraisals - Amends the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA) to exempt certain real property mortgage transactions in rural areas from appraisal requirements. Comment period closed February 5, 2019. NPR issued 11/20/2018
201 Community Bank Leverage Ratio - Exempts banks with less than $10 billion in assets and that meet other requirements — including limits on off-balance sheet exposures, trading assets and liabilities, total notional derivatives exposures, and other factors — from existing risk-based capital ratio and leverage ratio requirements provided they exceed a community bank leverage ratio to be issued through regulation by the appropriate federal banking agencies in consultation with state bank supervisors. Comment period closed April 9, 2019. NPR issued 11/20/2018
202 Reciprocal Deposits - Amends Section 29 of the FDI Act to except a capped amount of certain reciprocal deposits from treatment as brokered deposits for qualifying institutions. Final rule effective March 6, 2019. Amendments to preamble issued 4/15/2019 Final Rule issued 12/18/2018 NPR issued 9/12/2018
203, 204 Volcker Rule (Community Bank Relief/Naming Restrictions) - Exempts banks with less than $10 billion in assets and total trading assets and liabilities of no more than 5% of total consolidated assets from the “Volcker Rule.” Comment period closed March 11, 2019. NPR issued 12/18/2018
205 Short Form Call Reports - Requires regulations that allow reduced call reporting for the first and third quarters for certain banks with less than $5 billion in assets. Comment period closed January 18, 2019. NPR issued 10/17/2018
210 Examination Cycle - Increases the size threshold for well-capitalized banks to be eligible for an 18-month examination cycle from $1 billion to $3 billion in total assets, and authorizes the banking agencies to make corresponding changes for 2-rated institutions. Final rule effective January 28, 2019. Final Rule issued 12/18/2018 IFR issued 8/22/2018
214 HVCRE/ADC - States that the appropriate federal banking agencies may assign heightened risk weights for high volatility commercial real estate (HVCRE) loans only to those loans that meet a statutory definition of HVCRE. Comment period closed November 27, 2018. NPR issued 9/12/2018
401 Company-Run Stress Tests - Amends the requirements for company-run stress tests by: raising the threshold from $10 billion to $250 billion in assets; making the stress tests periodic rather than annual; and removing the adverse scenario (leaving intact the baseline and severely adverse sets of stress test conditions). Comment period closed February 19, 2019. NPR issued 12/18/2018
401 Resolution Plans - Raises the threshold for application of enhanced prudential standards to bank holding companies, including the requirement to file section 165(d) resolution plans, from $50 billion to $250 billion in total consolidated assets. Comments due June 21, 2019. NPR issued 3/29/2019
402 Supplementary Leverage Ratio for Custodial Banks - Requires the appropriate federal banking agencies to amend their capital regulations to exempt funds of a custodial bank held at certain central banks when calculating the supplementary leverage ratio. NPR issued 4/16/2019
403 High-Quality Liquid Assets (HQLA) - Requires the federal banking agencies to amend their liquidity coverage ratio regulations to treat municipal obligations that are "investment grade" and "liquid and readily marketable" as level 2B liquid assets not later than 90 days after enactment. Comment period closed October 1, 2018. IFR effective August 31, 2018. IFR issued 8/22/2018

Fed Reg: Federal Register
IFR: Interim Final Rule
NPR: Notice of Proposed Rulemaking

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