Rulemaking · Federal Reserve · Mar 27, 2026

Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-Weighted Assets

The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation are proposing to modify certain aspects of the regulatory capital rule (the proposal). The proposal would revise the risk-based capital treatment of certain exposure categories under the standardized approach, focusing on improving the calibration and risk sensitivity of risk weights that are particularly material to covered banking organizations' lending activities. The proposal would also modify the definition of regulatory capital by removing the threshold- based deduction for mortgage servicing assets for all banking organizations subject to the regulatory capital rule, including banking organizations subject to the community bank leverage ratio framework. In addition, the proposal would require Category III and IV banking organizations to recognize most elements of accumulated other comprehensive income in their regulatory capital. The agencies are concurrently publishing a separate proposal, which would require Category I and II banking organizations to use a new framework to calculate risk-weighted assets, called the expanded risk-based approach and would allow other banking organizations to elect to use the expanded risk-based approach.

Docket or bill

2026-05960

Official record

https://www.federalregister.gov/documents/2026/03/27/2026-05960/regulatory-capital-rules-regulatory-capital-and-standardized-approach-for-risk-weighted-assets

Tracked as

Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-Weighted Assets

Issued by

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

Traceable spending around this event

Tracked giving from finance banking donors in the year before the event, 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.

Positions

No entity positions are recorded for this event yet. Positions are shown only where an entity has a cited stance on the record.

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.$70,290,000 · 4 filings
• AARP$11,750,000 · 2 filings
• Boeing$11,340,000 · 4 filings
• AMERICAN COUNCIL OF LIFE INSURERS$7,283,444 · 4 filings
• AMERICAN BANKERS ASSOCIATION$5,860,000 · 3 filings
• NATIONAL ASSOCIATION OF MANUFACTURERS$5,502,000 · 3 filings
• NFIB (NATIONAL FEDERATION OF INDEPENDENT BUSINESS)$5,318,922 · 2 filings
• REAL ESTATE ROUNDTABLE$5,312,047 · 8 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.