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TREAS/OCC RIN: 1557-AE59 Publication ID: Spring 2019 
Title: ●Regulatory Capital Rule: Capital Simplification for Qualifying Community Banking Organizations 
Abstract:

The OCC, FRB, and FDIC issued a proposed rule that would provide for a simple measure of capital adequacy for certain community banking organizations, consistent with section 201 of EGRRCPA.  Most depository institutions and depository institution holding companies that have less than $10 billion in total consolidated assets, that
meet certain qualifying criteria, and that have a community bank leverage ratio (CBLR) of greater than 9 percent would be eligible to opt into a community bank leverage ratio framework. Banking organizations that elect to use the CBLR and that maintain a CBLR of greater than 9 percent would not be subject to other risk-based and leverage capital requirements and would be considered to have met the "well capitalized" ratio requirements for purposes of section 38 of the Federal Deposit Insurance Act and regulations implementing that section, as applicable, and the generally applicable capital requirements under the agencies’ capital rule.

 
Agency: Department of the Treasury(TREAS)  Priority: Substantive, Nonsignificant 
RIN Status: First time published in the Unified Agenda Agenda Stage of Rulemaking: Final Rule Stage 
Major: Undetermined  Unfunded Mandates: No 
EO 13771 Designation: Independent agency 
CFR Citation: 12 CFR 1    12 CFR 3    12 CFR 5    12 CFR 6    12 CFR 23    12 CFR 24    12 CFR 32    12 CFR 34    12 CFR 160    12 CFR 192   
Legal Authority: 12 U.S.C. 1 et seq.    12 U.S.C. 24 (Seventh)    12 U.S.C. 24 (Tenth)    12 U.S.C. 24 (Eleventh)    12 U.S.C. 24a    12 U.S.C. 25b    12 U.S.C. 29    12 U.S.C. 84    12 U.S.C. 93a    12 U.S.C. 161    12 U.S.C. 215a-2    12 U.S.C. 215a-3    12 U.S.C. 371    12 U.S.C. 481    12 U.S.C. 1462    12 U.S.C. 1462a    12 U.S.C. 1463    12 U.S.C. 1464    12 U.S.C. 1464u    12 U.S.C. 1465    12 U.S.C. 1467a    12 U.S.C. 1701j-3    12 U.S.C. 1818    12 U.S.C. 1828    12 U.S.C. 1828(n)    12 U.S.C. 1828(o)    12 U.S.C. 1828 (note)    12 U.S.C. 1831n (note)    12 U.S.C. 1831o    12 U.S.C. 1835    12 U.S.C. 2901 et seq.    12 U.S.C. 3331 et seq.    12 U.S.C. 3803    12 U.S.C. 3806    12 U.S.C. 3907    12 U.S.C. 3909    12 U.S.C. 5101 et seq.    12 U.S.C. 5412(b)(2)(b)    15 U.S.C. 78c    15 U.S.C. 78l    15 U.S.C. 78m    15 U.S.C. 78n    15 U.S.C. 78w    15 U.S.C. 1639h    42 U.S.C. 4106   
Legal Deadline:  None
Timetable:
Action Date FR Cite
NPRM  02/08/2019  84 FR 3062   
NPRM Comment Period End  04/09/2019 
Final Rule  07/00/2019 
Regulatory Flexibility Analysis Required: No  Government Levels Affected: None 
Federalism: No 
Included in the Regulatory Plan: No 
RIN Information URL: https://www.regulations.gov/docket?D=OCC-2018-0040   Public Comment URL: https://www.regulations.gov/docket?D=OCC-2018-0040  
RIN Data Printed in the FR: No 
Agency Contact:
Carl Kaminski
Special Counsel
Department of the Treasury
Comptroller of the Currency
Chief Counsel's Office, 400 7th Street SW.,
Washington, DC 20219
Phone:202 649-5869
Email: carl.kaminski@occ.treas.gov

Daniel Perez
Senior Attorney
Department of the Treasury
Comptroller of the Currency
Chief Counsel's Office, 400 7th Street SW.,
Washington, DC 20219
Phone:202 649-6718
Email: daniel.perez@occ.treas.gov