Capital
A fundamental aspect of banking is managing capital and capital requirements. In coordination with other U.S. regulators and international standard setters, the OCC identifies and develops policies to address emerging risks to bank capital. We provide a variety of resources and expert assistance to national banks, federal savings associations, advisors, and examiners on risk-based capital issues.
Laws and Regulations
- 12 CFR Part 3 (Electronic Code of Federal Regulations)
Notice of Proposed Rulemakings
| Notice of Proposed Rulemakings | Related Documents |
|---|---|
| Notice of Proposed Rulemaking: Modifications to the Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Their Subsidiary Depository Institutions | Bulletin Federal Register Notice |
| Notice of Proposed Rulemaking: Long-term Debt Requirements for Large Bank Holding Companies, Certain Intermediate Holding Companies of Foreign Banking Organizations, and Large Insured Depository Institutions | Bulletin Federal Register Notice |
| Notice of Proposed Rulemaking: Amendments Applicable to Large Banking Organizations and to Banking Organizations With Significant Trading Activity | Bulletin Interagency Overview of the NPR Federal Register Notice |
Regulatory Capital Rules
| Regulatory Capital Rules | Related Documents |
|---|---|
| Regulatory Capital Treatment for Investments in Certain Unsecured Debt Instruments of Global Systemically Important U.S. Bank Holding Companies, Certain Intermediate Holding Companies, and Global Systemically Important Foreign Banking Organizations; Total Loss-Absorbing Capacity Requirements | Bulletin Federal Register |
| Treatment of Certain Emergency Facilities in the Regulatory Capital Rule and the Liquidity Coverage Ratio Rule - Money Market Mutual Fund Liquidity Facility (MMLF) and Paycheck Protection Program Liquidity Facility (PPPLF) | Bulletin Federal Register |
| Standardized Approach for Calculating the Exposure Amount of Derivative Contracts; Correction | Bulletin Federal Register |
| Temporary Changes to and Transition for the Community Bank Leverage Ratio Framework | Bulletin Federal Register |
| Eligible Retained Income | Bulletin Federal Register |
| Revised Transition of the Current Expected Credit Losses Methodology for Allowances | Bulletin Federal Register |
| Revisions to the Supplementary Leverage Ratio to Exclude Certain Central Bank Deposits of Custodial Banking Organizations | Bulletin Federal Register Notice |
| Standardized Approach for Calculating the Exposure Amount of Derivative Contracts | Bulletin Federal Register Notice Early Adoption: Bulletin and Federal Register Notice |
| Regulatory Capital Treatment for High Volatility Commercial Real Estate (HVCRE) Exposures | Bulletin Federal Register Notice |
| Capital Simplification for Qualifying Community Banking Organizations | Bulletin Federal Register Notice Community Bank Compliance Guide |
| Changes to applicability thresholds for regulatory capital and liquidity requirements | Bulletin Federal Register Notice |
| Simplifications to the Capital Rule Pursuant to the Economic Growth and Regulatory Paperwork Reduction Act of 1996 | Bulletin Federal Register Notice Revised effective date: Bulletin and Federal Register Notice |
| Implementation and Transition of the Current Expected Credit Losses Methodology for Allowances and Related Adjustments to the Regulatory Capital Rules | Bulletin Federal Register Notice |
| Technical Corrections and Clarifications to the Capital Rules Applicable to Advanced Approaches Banking Organizations | Bulletin Federal Register Notice |
| Interim Final Revisions to the Definition of Qualifying Master Netting Agreement and Related Definitions | Bulletin Federal Register Notice |
| Revisions to the Supplementary Leverage Ratio | Bulletin Federal Register Notice |
| Revisions to the Risk-Based Capital Definition of Eligible Guarantee for Advanced Approaches Banks | Bulletin Federal Register Notice |
| Enhanced Supplementary Leverage Ratio Standards for Certain Bank Holding Companies and their Subsidiary Insured Depository Institutions | Bulletin Federal Register Notice |
| Revised Capital Rule | Bulletin Federal Register Notice Interagency Guide OCC Quick Reference Guide |
Interim Final Rules
| Interim Final Rules | Related Documents |
|---|---|
| Emergency Capital Investment Program: Regulatory Capital Treatment of Instruments Issued Under the Emergency Capital Investment Program: Interim Final Rule | Bulletin Federal Register Notice |
| Temporary Asset Thresholds | Bulletin Federal Register Notice |
| Temporary Exclusion of U.S. Treasury Securities and Deposits at Federal Reserve Banks From the Supplementary Leverage Ratio for Depository Institutions | Bulletin Federal Register Notice |
References and Related Links
- Regulatory Capital Guide for Minority Depository Institutions and Community Development Financial Institution Banking Organizations
- Capital Estimator for Minority Depository Institutions and Community Development Financial Institution Banking Organizations (Excel)
- Market Risk FAQ: Regulatory Capital for Market Risk - Multiplication Factor Based on Results of Backtesting
- Interagency Statement Regarding the Impact of the Economic Growth, Regulatory Relief, and Consumer Protection Act
- Comptroller's Handbook: Capital and Dividends
- Frequently Asked Questions on the Regulatory Capital Rule
- Regulatory Capital Bulletins and Press Releases
- Regulatory Capital Interpretive Letters
- Guidance on Advanced Approaches Series (GAA Series)
- Call Report Forms and Instructions (Federal Financial Institutions Examination Council)
- Basel Committee on Banking Supervision Publications