The US Office of the Comptroller of the Currency published an interim final rule raising the total asset threshold for certain supervised institutions to qualify for an 18-month on-site examination cycle from USD 3 billion to USD 6 billion. The change, issued pursuant to the 21st Century ROAD to Housing Act, will allow approximately 50 additional OCC-regulated institutions to move from examinations every 12 months to every 18 months. The longer cycle is intended to reduce examination costs and allow affected institutions to redirect resources to other activities. The rule forms part of the OCC’s broader effort to tailor community bank supervision, including risk-based examination practices, streamlined licensing and reporting requirements, and proportionate model risk management and Bank Secrecy Act and anti-money laundering procedures.
2026-09-10Office of the Comptroller of the Currency
US Office of the Comptroller of the Currency doubles asset threshold for 18-month examination cycle to USD 6 billion
The US Office of the Comptroller of the Currency raised the asset threshold for certain institutions to qualify for an 18-month on-site examination cycle from USD 3 billion to USD 6 billion. Approximately 50 additional OCC-regulated institutions can move from examinations every 12 months to every 18 months.