Rulemaking · Federal Reserve · Dec 1, 2025

Regulatory Capital Rule: Revisions to the Community Bank Leverage Ratio Framework

The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation are inviting public comment on a notice of proposed rulemaking (proposal) that would lower the community bank leverage ratio (CBLR) requirement for certain depository institutions and depository institution holding companies from 9 percent to 8 percent, consistent with the lower bound provided in section 201 of the Economic Growth, Regulatory Relief, and Consumer Protection Act. The proposal would also extend the length of time that certain depository institutions or depository institution holding companies can remain in the CBLR framework while not meeting all of the qualifying criteria for the CBLR framework from two quarters to four quarters, subject to a limit of eight quarters in any five-year period.

Docket or bill

2025-21625

Official record

https://www.federalregister.gov/documents/2025/12/01/2025-21625/regulatory-capital-rule-revisions-to-the-community-bank-leverage-ratio-framework

Tracked as

Regulatory Capital Rule: Revisions to the Community Bank Leverage Ratio Framework

Issued by

Federal Reserve System, Office of the Comptroller of the Currency, Federal Deposit Insurance Corporation, Department of the Treasury

Traceable spending around this event

Tracked direct contributions from finance banking donors to candidates in the year before the event, with transfers to PACs and parties and independent expenditures reported apart, and lobbying on BAN, FIN issue codes in the surrounding window. These are partial, tracked figures scoped to a window, not totals for the industry. Independent expenditures are spent for or against candidates, not given to them, and are never added to the giving figures.

Giving window: Dec 1, 2024 – Dec 1, 2025. Donation records in this database currently run through Oct 20, 2026; lobbying filings through 2026. Figures computed Oct 29, 2026.

Positions

No entity positions are recorded for this event yet. Positions are shown only where an entity has a cited stance on the record. Stances inferred from donations are not shown.

Top lobbying on these issues

Clients with the most reported lobbying spend on BAN, FIN issue codes in the window around the event. Lobbying reports cover multiple issues, so spend is not attributable to this event alone.

• CHAMBER OF COMMERCE OF THE U.S.A.$144,750,000 · 8 filings
• Boeing$23,270,000 · 8 filings
• NATIONAL ASSOCIATION OF REALTORS$14,740,000 · 1 filings
• CREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS$12,530,000 · 9 filings
• AMERICAN BANKERS ASSOCIATION$12,480,000 · 8 filings
• KOCH GOVERNMENT AFFAIRS, LLC$12,330,000 · 5 filings
• AMERICAN COUNCIL OF LIFE INSURERS$11,352,932 · 8 filings
• REAL ESTATE ROUNDTABLE$10,669,342 · 16 filings

Figures are drawn from tracked FEC donations and Senate LDA lobbying disclosures held in this database. See the methodology for how spending is scoped to an event window. The spending shown is publicly disclosed, and no violation of law is alleged. Its timing does not establish that any spending caused the outcome.