The Office of the Comptroller of the Currency has issued a notice of proposed rulemaking to amend its heightened standards guidelines for insured national banks, insured federal savings associations, and insured federal branches, proposing to increase the average total consolidated assets threshold for application from USD 50 billion to USD 700 billion. The change would reduce the number of institutions treated as covered banks under the guidelines, with the OCC positioning the proposal as a reduction in regulatory burden and a refocus on institutions whose size, complexity, and risk profile pose the greatest risk to the banking system. The proposal also requests comments on other potential revisions to the guidelines. Comments are due 60 days after publication in the Federal Register.
Office of the Comptroller of the Currency 2025-12-23
Office of the Comptroller of the Currency seeks comments on proposal to raise heightened standards threshold to USD 700 billion
The Office of the Comptroller of the Currency has proposed amending its heightened standards guidelines, raising the asset threshold for covered banks from USD 50 billion to USD 700 billion. This change aims to reduce regulatory burden and focus on institutions with significant risk profiles. The proposal also seeks feedback on additional potential revisions.