Final Rule Modifies CBLR Framework for Community Banks Under $10B
Summary
The OCC, Federal Reserve, and FDIC jointly issued a final rule modifying the Community Bank Leverage Ratio (CBLR) framework to encourage broader adoption among community banks. The rule applies to FDIC-supervised financial institutions with less than $10 billion in total consolidated assets that are not advanced approaches banks and elect the CBLR framework. This action implements section 201 of the Economic Growth, Regulatory Relief, and Consumer Protection Act, providing regulatory relief for qualifying community banks by streamlining capital requirements.
“The Office of the Comptroller of the Currency, Board of Governors of the Federal Reserve System (Federal Reserve), and Federal Deposit Insurance Corporation (together, the agencies) are issuing a final rule that modifies the community bank leverage ratio (CBLR) framework, consistent with section 201 of the Economic Growth, Regulatory Relief, and Consumer Protection Act, to encourage broader adoption for community banks.”
Community banks under $10B in assets that are not advanced approaches banks should evaluate whether electing the CBLR framework is appropriate for their institution. The simplified framework may reduce reporting burden but requires maintaining a leverage ratio above the prescribed threshold. Banks currently using risk-based capital calculations should assess the operational implications of the switch, including changes to risk-weighted asset calculations and reporting requirements.
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What changed
The final rule modifies the existing CBLR framework to make it more accessible and attractive to community banks. The changes are intended to encourage broader adoption of the framework among qualifying institutions.\n\nAffected parties are FDIC-supervised financial institutions with less than $10 billion in total consolidated assets that are not advanced approaches banks. These institutions may now elect the CBLR framework, which provides a simplified alternative to traditional risk-based capital requirements. Institutions considering the framework should review their eligibility and capital position before making an election.
Archived snapshot
Apr 24, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
Financial Institution Letter: Final Rule on Revisions to the Community Bank Leverage Ratio (CBLR) Framework
FDIC Subscriptions sent this bulletin at 04/23/2026 03:34 PM EDT
| # FINANCIAL INSTITUTION LETTER | APRIL 23, 2026 |
| # Financial Institution Letter: Final Rule on Revisions to the Community Bank Leverage Ratio (CBLR) Framework |
| ## Summary:
The Office of the Comptroller of the Currency, Board of Governors of the Federal Reserve System (Federal Reserve), and Federal Deposit Insurance Corporation (together, the agencies) are issuing a final rule that modifies the community bank leverage ratio (CBLR) framework, consistent with section 201 of the Economic Growth, Regulatory Relief, and Consumer Protection Act, to encourage broader adoption for community banks. |
| ## Statement of Applicability:
The contents of, and materials referenced in, this FIL apply to qualifying FDIC-supervised financial institutions with less than $10 billion in total consolidated assets that are not advanced approaches banks and elect the CBLR framework. |
| ## Distribution:
FDIC-supervised financial institutions with less than $10 billion in total consolidated assets that are not advanced approaches banks and elect the CBLR framework. |
| Read the FIL |
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| # FINANCIAL INSTITUTION LETTER | APRIL 23, 2026 | # Financial Institution Letter: Final Rule on Revisions to the Community Bank Leverage Ratio (CBLR) Framework | ## Summary:
The Office of the Comptroller of the Currency, Board of Governors of the Federal Reserve System (Federal Reserve), and Federal Deposit Insurance Corporation (together, the agencies) are issuing a final rule that modifies the community bank leverage ratio (CBLR) framework, consistent with section 201 of the Economic Growth, Regulatory Relief, and Consumer Protection Act, to encourage broader adoption for community banks. | ## Statement of Applicability:
The contents of, and materials referenced in, this FIL apply to qualifying FDIC-supervised financial institutions with less than $10 billion in total consolidated assets that are not advanced approaches banks and elect the CBLR framework. | ## Distribution:
FDIC-supervised financial institutions with less than $10 billion in total consolidated assets that are not advanced approaches banks and elect the CBLR framework. | Read the FIL |
| ## Summary:
The Office of the Comptroller of the Currency, Board of Governors of the Federal Reserve System (Federal Reserve), and Federal Deposit Insurance Corporation (together, the agencies) are issuing a final rule that modifies the community bank leverage ratio (CBLR) framework, consistent with section 201 of the Economic Growth, Regulatory Relief, and Consumer Protection Act, to encourage broader adoption for community banks. |
| ## Statement of Applicability:
The contents of, and materials referenced in, this FIL apply to qualifying FDIC-supervised financial institutions with less than $10 billion in total consolidated assets that are not advanced approaches banks and elect the CBLR framework. |
| ## Distribution:
FDIC-supervised financial institutions with less than $10 billion in total consolidated assets that are not advanced approaches banks and elect the CBLR framework. |
| Questions for FDIC? Contact Us
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