FEDERAL-RESERVE

CRA Small and Intermediate Bank Asset Thresholds Updated for 2026

The Federal Reserve Board and FDIC announced updated asset-size thresholds for Community Reinvestment Act (CRA) small and intermediate banks for 2026. These annual adjustments are based on inflation, ensuring the thresholds reflect current economic conditions.

Federal Reserve Requests Comment on Proposal to Codify Removal of Reputation Risk

The Federal Reserve Board is requesting public comment on a proposal to codify the removal of reputation risk from its bank supervision framework. This action follows earlier decisions to exclude reputation risk and aims to ensure supervisory decisions focus on material financial risks.

Federal Reserve Finalizes Stress Test Scenarios, Maintains Capital Requirements

The Federal Reserve Board has finalized its annual stress test scenarios for large banks and voted to maintain current stress test-related capital requirements until 2027. The final scenarios are similar to those proposed in October, and the delay in new capital requirements will allow for public feedback on supervisory models.

Agencies Release 2025 Shared National Credit Program Report

The Federal Reserve Board, FDIC, and OCC have released the 2025 Shared National Credit (SNC) report. The report indicates that credit risk associated with large, syndicated bank loans remains moderate, with 8.6% of total commitments rated as non-pass.

Federal Reserve Supervision and Regulation Testimony

Vice Chair for Supervision Michelle W. Bowman testified before the Senate Committee on Banking, Housing, and Urban Affairs regarding the Federal Reserve's supervisory and regulatory activities. The testimony covered the current state of the banking sector, highlighting its soundness and resilience, and outlined priorities for enhancing supervision and regulation.

Governor Waller Discusses Operationalizing AI at the Federal Reserve

Federal Reserve Governor Christopher J. Waller delivered a speech on February 24, 2026, discussing the Federal Reserve System's efforts to operationalize artificial intelligence (AI) within its internal systems and applications. The speech highlighted the potential of AI to drive operational efficiencies across various functions.

Governor Cook Discusses AI and Productivity at NABE Conference

Federal Reserve Governor Lisa D. Cook delivered remarks on artificial intelligence and its potential impact on productivity at the NABE Economic Policy Conference. She expressed optimism about AI's long-term contributions to innovation and economic growth, while acknowledging the Federal Reserve's cautious approach to its adoption.

Bowman Speech on Liquidity, Financial Stability, and Fed Role

Federal Reserve Vice Chair for Supervision Michelle W. Bowman delivered a speech on March 3, 2026, discussing the effectiveness of the current bank liquidity framework, including the LCR and NSFR. The speech calls for a critical review of whether existing regulations translate into actual resilience during times of stress.

Federal Reserve Speech on Basel III and Bank Capital Rules

Federal Reserve Vice Chair Bowman discussed upcoming proposed rules to implement the final phase of Basel III in the United States. The speech outlined the rationale for modernizing capital requirements, aiming for more efficient regulation and better support for economic growth while preserving safety and soundness.

FAQs on Suspicious Activity Reporting for Bank Holding Companies

The Federal Reserve, along with other financial regulators, has issued Frequently Asked Questions (FAQs) to clarify Suspicious Activity Reporting (SAR) requirements for financial institutions. These FAQs aim to assist institutions with their compliance obligations under the Bank Secrecy Act and do not alter existing regulations.