Regulatory Capital Rule: Community Bank Leverage Ratio Framework

Document 2026-08298 is a Final Rule published by the Department of the Treasury in the Federal Register on April 29, 2026, with an effective date of July 1, 2026. The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation are adopting a final rule that lowers the community bank leverage ratio (CBLR) requirement from 9 percent to 8 percent, consistent with the lower bound provided in section 201 of the Economic Growth, Regulatory Relief, and Consumer Protection Act. The final rule also extends the length of time that certain depository institutions and depository institution holding companies can remain in the CBLR framework while not meeting all of the qualifying criteria for the CBLR framework from two consecutive quarters to four consecutive quarters, subject to a limit of eight quarters in the previous five- year period. View the original at https://www.federalregister.gov/documents/2026/04/29/2026-08298/regulatory-capital-rule-community-bank-leverage-ratio-framework.

No. Document 2026-08298 is not classified as economically significant under Executive Order 12866. Economically significant rules require OIRA review and are estimated to have impacts of $100 million or more per year.