多宝游戏下载

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Banker Resource Center

Regulatory Capital

Bank capital performs several very important functions. It absorbs losses, promotes public confidence, helps restrict excessive asset growth, and provides protection to depositors and the deposit insurance fund.

Notice of Proposed Rulemakings

Notice of proposed rulemakings that pertain to 多宝游戏下载-supervised institutions.

Laws and Regulations

Key laws and regulations that pertain to 多宝游戏下载-supervised institutions; note that other laws and regulations also may apply.

  • establishes minimum capital requirements and overall capital adequacy standards
  • Interim Final Rule on Emergency Capital Investment Program (effective on March 22, 2021) provides that preferred stock issued under the Emergency Capital Investment Program (ECIP) qualifies as additional tier 1 capital and that subordinated debt issued under ECIP qualifies as tier 2 capital under the agencies鈥 capital rule.
  • (effective 60 days after the date of publication in the Federal Register) delays the estimated impact on regulatory capital stemming from the implementation of Accounting Standards Update No. 2016-13. This final rule is consistent with the interim final rule published in the Federal Register on March 31, 2020, with certain clarifications and minor adjustments
  • adopts as final the revisions to the definition of eligible retained income made under the interim final rule published in the Federal Register on March 20, 2020, for all depository institutions, bank holding companies, and savings and loan holding companies subject to the agencies鈥 capital rule. The final rule adopts these interim final rules to make more gradual any automatic limitations on capital distributions that could apply under the agencies鈥 capital rule with no changes
  • Total-Loss Absorbing Capacity Requirements Final Rule (effective April 1, 2021) requires U.S. global systemically important bank holding companies, or GSIBs, as well as U.S. intermediate holding companies of foreign GSIBs, to issue debt with certain features under the Federal Reserve Board鈥檚 鈥榯otal loss-absorbing capacity,鈥 or TLAC, rule. That debt could be used to recapitalize the holding company during bankruptcy or resolution if it were to fail
  • Final Rule for Treatment of Certain Emergency Facilities in the Regulatory Capital Rule and the Liquidity Coverage Ratio Rule facilitates use of the Money Market Mutual Fund Liquidity Facility (MMLF) and the Paycheck Protection Program Liquidity Facility (PPPLF)
  • Relevant Federal Register Notices incorporated into Part 324 that describe the basis and purpose of the rule and its revisions
    • significantly revised the capital rule in 2013 to improve both the quality and quantity of regulatory capital (This Interim Final Rule was substantively approved as a by the 多宝游戏下载 Board on April 8, 2014)
    • Community Bank Leverage Ratio Framework enables certain banking organizations with less than $10 billion in assets to elect a community bank leverage ratio framework in place of the risk-based capital framework
    • Regulatory Capital Treatment for High Volatility Commercial Real Estate (HVCRE) Exposures revises the definition of an HVCRE exposure
    • revises the criteria for determining the applicability of regulatory capital and liquidity requirements for large U.S. banking organizations
    • Regulatory Capital Rule: Simplifications to the Capital Rule Pursuant to the Economic Growth and Regulatory Paperwork Reduction Act of 1996; Revised Effective Date permits banking organizations to either implement the on January 1, 2020 or continue to wait until April 1, 2020
    • revises Part 324 for the implementation of the Current Expected Credit Losses Methodology and provides for a 3 year transition into regulatory capital
    • amends the definition of 鈥渜ualifying master netting agreement鈥 in the 多宝游戏下载鈥檚 capital and liquidity rules, and certain related terms in the 多宝游戏下载鈥檚 capital rules to ensure that the regulatory capital and liquidity treatment of qualified financial contracts (QFCs) to which a covered institution is party would not be affected by the restrictions on such QFCs
    • (includes Category III institutions) amends Part 324 to exclude from the supplementary leverage ratio certain funds of banking organizations deposited with central banks if the organization is predominantly engaged in custody, safekeeping, and asset servicing activities
    • (includes Category III institutions) revises total leverage exposure as defined in the 2013 regulatory capital interim final rule
    • established the enhanced supplementary leverage ratio

Supervisory Resources

Frequently asked questions, advisories, statements of policy, and other information issued by the 多宝游戏下载 alone, or on an interagency basis, provided to promote safe-and-sound operations.

Other Resources

Supplemental information related to safe-and-sound banking operations.

Videos/Webcasts/Teleconferences

Informational videos and recordings of prior webcasts and teleconferences.

Last Updated: July 24, 2024