Regulation A: Extensions of Credit by Federal Reserve Banks
Why this matters
This is a final rule (2026-20036) from the Federal Reserve System amending 12 CFR 201 (Regulation A) to increase primary credit rates from 3.75% to 4.00% and secondary credit rates from 4.25% to 4.50%, effective September 30, 2026. The rule directly affects the cost of credit for all depository institutions accessing Federal Reserve lending facilities and reflects monetary policy decisions. The APA exemption for matters relating to loans and the immediate applicability date (September 17, 2026) underscore its binding nature and urgency.
AI-generated classification rationale, not a full analysis. Verify with the original Federal Reserve source before acting. Full disclaimer.
What the Federal Reserve said
Final rule. The Board of Governors of the Federal Reserve System ("Board") has adopted final amendments to its Regulation A to reflect the Board's approval of an increase in the rate for primary credit at each Federal Reserve Bank. The secondary credit rate at each Reserve Bank automatically increased by formula as a…
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Context
Board of Governors of the Federal Reserve System (Federal Reserve) — The US central bank and supervisor of bank holding companies and state member banks. We track 92 updates from them.
US financial regulation is overseen by multiple agencies including the SEC, CFTC, Federal Reserve, OCC and FDIC. Browse all United States updates.
This update is classified under Prudential / Capital Requirements and Banking & Credit.