The Office of the Comptroller of the Currency (OCC) released a statement by Comptroller Jonathan V. Gould at a Federal Deposit Insurance Corporation (FDIC) board meeting on two notices of proposed rulemaking to modernize the regulatory capital framework for banking organizations of all sizes. The OCC estimates an aggregate 6.9% reduction in minimum binding capital requirements for the banks it supervises under the proposed standardized approach, and a 3.4% reduction for the very largest OCC-supervised banks under the expanded risk-based approach. The proposals would simplify the framework by removing the need to calculate risk weights using multiple methodologies in parallel, with the statement linking the current level of complexity to reduced accountability and weaker crisis responsiveness. One proposal covers Category I and II banking organizations, banking organizations with significant trading activity, and optional adoption for other banking organizations, while the other updates the regulatory capital rule and the standardized approach for risk-weighted assets. The OCC indicated it will continue working with the FDIC and the Federal Reserve as it reviews and responds to public comments on the proposals.
Office of the Comptroller of the Currency 2026-03-19
Office of the Comptroller of the Currency issues statement on proposed capital rule modernization estimating 6.9% reduction in minimum binding requirements
The Office of the Comptroller of the Currency (OCC) announced proposed rulemaking to modernize the regulatory capital framework, estimating a 6.9% reduction in minimum capital requirements for banks it supervises. The proposals aim to simplify the framework by eliminating multiple risk weight methodologies, addressing complexity issues. The OCC will collaborate with the Federal Deposit Insurance Corporation (FDIC) and the Federal Reserve in reviewing public feedback.