The Office of the Comptroller of the Currency (OCC) has released the 2025 economic and financial market scenarios that covered institutions must use for their upcoming company-run Dodd-Frank Act stress tests. The package includes both baseline and severely adverse supervisory scenarios, and the resulting stress test outputs are used by the OCC as forward-looking inputs to supervision, including assessments of a covered institution’s risk profile and capital adequacy. The requirement to run these periodic stress tests arises under Section 165(i)(2) of the Dodd-Frank Act, as amended by the Economic Growth, Regulatory Relief, and Consumer Protection Act, and applies to certain financial companies, including certain national banks and federal savings associations. The OCC has published the 2025 scenario and background materials on its Dodd-Frank Act Stress Test (Company Run) webpage and referenced its policy statement on scenario development and distribution, which was finalized on October 28, 2013 in the Federal Register.
Office of the Comptroller of the Currency 2025-02-13
Office of the Comptroller of the Currency releases baseline and severely adverse scenarios for 2025 Dodd-Frank Act stress tests
The Office of the Comptroller of the Currency (OCC) has issued the 2025 economic and financial market scenarios for company-run Dodd-Frank Act stress tests. These scenarios, including baseline and severely adverse conditions, are used to assess covered institutions' risk profiles and capital adequacy. The requirement stems from Section 165(i)(2) of the Dodd-Frank Act, as amended, and applies to certain financial companies.