FDICFinal RuleDecember 1, 2025

Regulatory Capital: Modifications to the Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Their Subsidiary Depository Institutions; Total Loss-Absorbing Capacity and Long-Term Debt Requirements for U.S. Global Systemically Important Bank Holding Companies

Finance & BankingOther

Summary

This regulation changes how the largest U.S. banks must maintain financial reserves and borrowing limits to protect themselves and the economy from collapse. The rules make it easier for these mega-banks to meet certain safety requirements while ensuring they can absorb losses during financial crises.

Key Points

1The largest U.S. banks (called 'Global Systemically Important Banks') must follow new rules about how much money they keep on hand as a safety cushion
2Banks can now meet these safety requirements with slightly more flexibility, making it somewhat easier to comply with the rules
3Banks must maintain more long-term debt that can absorb losses if the bank gets into serious financial trouble, protecting taxpayers from having to bail them out
4These changes primarily affect about a dozen of America's biggest banks like JPMorgan Chase, Bank of America, and Wells Fargo
5The changes aim to balance bank stability with allowing banks to operate more efficiently while still protecting the financial system

Key Dates

Published

December 1, 2025

Read on Federal Register View Docket

This summary is for informational purposes only. It may not capture all nuances of the regulation. Always refer to the official text for authoritative information.