Rulemaking · Federal Reserve · Nov 27, 2023

Regulatory Capital Rules: Risk-Based Capital Requirements for Depository Institution Holding Companies Significantly Engaged in Insurance Activities

The Board of Governors of the Federal Reserve System is adopting risk-based capital requirements for depository institution holding companies that are significantly engaged in insurance activities. This risk-based capital framework, termed the Building Block Approach, adjusts and aggregates existing legal entity capital requirements to determine enterprise-wide capital requirements. The final rule also contains a risk-based capital requirement excluding insurance activities, in compliance with section 171 of The Dodd-Frank Wall Street Reform and Consumer Protection Act. The Board also is adopting a reporting form FR Q-1 related to the Building Block Approach. The capital requirements and associated reporting form meet statutory mandates and will help to prevent the economic and consumer impacts resulting from the failure of organizations engaged in banking and insurance.

Docket or bill: 2023-23911
Official record: https://www.federalregister.gov/documents/2023/11/27/2023-23911/regulatory-capital-rules-risk-based-capital-requirements-for-depository-institution-holding
Tracked as: Regulatory Capital Rules: Risk-Based Capital Requirements for Depository Institution Holding Companies Significantly Engaged in Insurance Activities
Issued by: Federal Reserve System

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: Nov 27, 2022 – Nov 27, 2023. Donation records in this database currently run through Oct 20, 2026; lobbying filings through 2026. Figures computed Oct 29, 2026.

Tracked direct giving to candidates (finance banking)

$1,838,572

172 contributions to person recipients

Transfers to PACs and parties (finance banking)

$26,112,067

4,104 contributions to non-person recipients

IE support

$400,354

3 independent expenditures for candidates

IE oppose

0 independent expenditures against candidates

Lobbying (BAN, FIN)

$605,075,108

1,783 filings, whole-filing LDA totals

Positions on record

none recorded

Tracked direct giving to candidates (finance banking)$1,838,572

Transfers to PACs and parties$26,112,067

Independent expenditures supporting candidates$400,354

Lobbying (BAN, FIN)$605,075,108

Giving to candidates, transfers to PACs, independent expenditures and lobbying are separate figures and are not summed.

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.$67,720,000 · 4 filings
NATIONAL ASSOCIATION OF REALTORS$52,520,000 · 10 filings
AMAZON.COM SERVICES LLC$17,850,000 · 4 filings
AARP$16,520,000 · 4 filings
NATIONAL ASSOCIATION OF MANUFACTURERS$12,010,000 · 4 filings
Boeing$10,580,000 · 3 filings
UNITEDHEALTH GROUP, INC.$8,740,000 · 4 filings
AMERICAN BANKERS ASSOCIATION$8,390,000 · 5 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.