Agencies raise the 18-month exam-cycle threshold to $6 billion
The Federal Reserve, FDIC, and OCC issued an interim final rule on September 10 raising the total-asset threshold at which certain well-managed, well-capitalized institutions qualify for an 18-month on-site examination cycle from $3 billion to $6 billion. The change implements the 21st Century ROAD to Housing Act. The exam cycle for those firms moves from 12 months to 18 months. The agencies said they would continue offsite monitoring between scheduled exams. Parallel changes apply to U.S. branches and agencies of foreign banks. The rule is effective immediately upon Federal Register publication, with a 30-day comment period.
- Asset threshold for 18-month exam cycle
- $6B
- On-site exam cycle for eligible firms
- 18 months
- Comment period
- 30
Source: Agencies reduce regulatory burden for community banks, increase eligibility for 18-month exam cycle — Board of Governors of the Federal Reserve System. Also: Federal Register notice: Expanded Examination Cycle for Certain Small Insured Depository Institutions and U.S. Branches and Agencies of Foreign Banks.
all 3 figures found at the source
- found Asset threshold for 18-month exam cycle = $6B — at Board of Governors of the Federal Reserve System
- found On-site exam cycle for eligible firms = 18 months — at Board of Governors of the Federal Reserve System
- found Comment period = 30 — at Board of Governors of the Federal Reserve System
This page is one print. The daily brief for September 10, 2026 is the editor's cut of what mattered that day. Figures are as the named sources printed them. The methodology says how this page is made and what is checked.