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

Impact Assessment

If you are a Consumer, this means the largest banks have more flexibility in meeting safety rules while maintaining protections for deposits and financial system stability.

Impact Level

Moderate

Geographic Scope

National

Compliance Cost

Minimal

Who is Affected

Financial InstitutionsConsumers

Key Dates

Published

December 1, 2025

Regulatory Connections

Authorized By

Dodd-Frank Wall Street Reform and Consumer Protection Act Section 165 Bank Holding Company Act Section 225

Amends CFR Sections

12 CFR Part 21712 CFR Part 32412 CFR Part 395

Procedural Rules; Correction

FCCTechnology

Unlicensed Use of the 6 GHz Band: Expanding Flexible Use in Mid-Band Spectrum between 3.7 and 24 GHz

FCAAgriculture

General Provisions

FCCTechnology

Television Broadcasting Services: Hutchinson, KS

View all 429 documents →

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.