View Rule

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.