Expanded Examination Cycle for Certain Small Insured Depository Institutions and U.S. Branches and Agencies of Foreign Banks
Why this matters
This is a joint final interim rule issued by OCC, Federal Reserve, and FDIC implementing statutory amendments to the Federal Deposit Insurance Act. It raises the asset threshold from $3 billion to $6 billion for qualifying insured depository institutions to qualify for 18-month (rather than 12-month) on-site examination cycles. The rule is effective immediately (09/14/2026) and affects a material number of small banks and credit unions. While this represents regulatory relief rather than new restrictions, it is a binding regulatory change with direct operational impact on examination scheduling and supervisory planning for affected institutions. The comment period (ending 10/14/2026) indicates this is interim final, requiring stakeholder input before finalization.
AI-generated classification rationale, not a full analysis. Verify with the original OCC source before acting. Full disclaimer.
What the OCC said
Joint interim final rule and request for comments. The OCC, Board, and FDIC (collectively, the Agencies) are jointly issuing and requesting public comment on an interim final rule to implement section 903 of the 21st Century ROAD to Housing Act. The interim final rule raises the asset threshold for certain supervised…
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Context
Office of the Comptroller of the Currency (OCC) — Charters and supervises US national banks and federal savings associations. We track 49 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, Authorisation & Licensing and Banking & Credit.