Capital

A fundamental aspect of banking is managing capital and capital requirements. In coordination with other U.S. regulators and international standard setters, the OCC identifies and develops policies to address emerging risks to bank capital. We provide a variety of resources and expert assistance to national banks, federal savings associations, advisors, and examiners on risk-based capital issues.

Laws and Regulations

12 CFR Part 3 (Electronic Code of Federal Regulations)

Regulatory Capital Rules

Regulatory Capital Rules	Related Documents
Regulatory Capital Treatment for Investments in Certain Unsecured Debt Instruments of Global Systemically Important U.S. Bank Holding Companies, Certain Intermediate Holding Companies, and Global Systemically Important Foreign Banking Organizations; Total Loss-Absorbing Capacity Requirements	Bulletin Federal Register
Treatment of Certain Emergency Facilities in the Regulatory Capital Rule and the Liquidity Coverage Ratio Rule - Money Market Mutual Fund Liquidity Facility (MMLF) and Paycheck Protection Program Liquidity Facility (PPPLF)	Bulletin Federal Register
Standardized Approach for Calculating the Exposure Amount of Derivative Contracts; Correction	Bulletin Federal Register
Temporary Changes to and Transition for the Community Bank Leverage Ratio Framework	Bulletin Federal Register
Eligible Retained Income	Bulletin Federal Register
Revised Transition of the Current Expected Credit Losses Methodology for Allowances	Bulletin Federal Register
Revisions to the Supplementary Leverage Ratio to Exclude Certain Central Bank Deposits of Custodial Banking Organizations	Bulletin Federal Register Notice
Standardized Approach for Calculating the Exposure Amount of Derivative Contracts	Bulletin Federal Register Notice Early Adoption: Bulletin and Federal Register Notice
Regulatory Capital Treatment for High Volatility Commercial Real Estate (HVCRE) Exposures	Bulletin Federal Register Notice
Capital Simplification for Qualifying Community Banking Organizations	Bulletin Federal Register Notice Community Bank Compliance Guide
Changes to applicability thresholds for regulatory capital and liquidity requirements	Bulletin Federal Register Notice
Simplifications to the Capital Rule Pursuant to the Economic Growth and Regulatory Paperwork Reduction Act of 1996	Bulletin Federal Register Notice Revised effective date: Bulletin and Federal Register Notice
Implementation and Transition of the Current Expected Credit Losses Methodology for Allowances and Related Adjustments to the Regulatory Capital Rules	Bulletin Federal Register Notice
Technical Corrections and Clarifications to the Capital Rules Applicable to Advanced Approaches Banking Organizations	Bulletin Federal Register Notice
Interim Final Revisions to the Definition of Qualifying Master Netting Agreement and Related Definitions	Bulletin Federal Register Notice
Revisions to the Supplementary Leverage Ratio	Bulletin Federal Register Notice
Revisions to the Risk-Based Capital Definition of Eligible Guarantee for Advanced Approaches Banks	Bulletin Federal Register Notice
Enhanced Supplementary Leverage Ratio Standards for Certain Bank Holding Companies and their Subsidiary Insured Depository Institutions	Bulletin Federal Register Notice
Revised Capital Rule	Bulletin Federal Register Notice Interagency Guide OCC Quick Reference Guide

Interim Final Rules

Interim Final Rules	Related Documents
Emergency Capital Investment Program: Regulatory Capital Treatment of Instruments Issued Under the Emergency Capital Investment Program: Interim Final Rule	Bulletin Federal Register Notice
Temporary Asset Thresholds	Bulletin Federal Register Notice
Temporary Exclusion of U.S. Treasury Securities and Deposits at Federal Reserve Banks From the Supplementary Leverage Ratio for Depository Institutions	Bulletin Federal Register Notice

Notice of Proposed Rulemakings

Notice of Proposed Rulemakings	Related Documents
Notice of Proposed Rulemaking: Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Certain of Their Subsidiary Insured Depository Institutions	Bulletin Federal Register Notice

References and Related Links

Related News and Issuances

Date	ID	Title
09/09/2022	NR 2022-109	Agencies Reaffirm Commitment to Basel III Standards
12/21/2021	OCC 2021-66	Community Bank Leverage Ratio Framework: Interagency Statement
12/10/2021	OCC 2021-60	Revised Licensing Booklets: Revised Comptroller’s Licensing Manual Booklets