Proposals For Comment
The Board has requested public comment on the proposals listed below. Comments can be submitted through this web site using the "Submit Comment" links (the preferred method of submission). The submission form allows for attachments. Comments may also be submitted in writing or by electronic mail (see text of each proposal for contact information). Please note the closing date for each comment period.
Comments received are subject to public disclosure. In general, comments received will be made available without change and will not be modified to remove personal or business information including confidential, contact, or other identifying information. Comments should not include any information such as confidential information that would not be appropriate for public disclosure. Comments posted to this website can be located on the "Comments" tab below. Comment filtering options may not be available for some comments.
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Other Proposal
The OCC, the Board, and the FDIC (the agencies) seek public input on sources of regulatory reporting burden for institutions that currently file the Consolidated Reports of Condition and Income (Call Report) (FFIEC 031, FFIEC 041, and FFIEC 051). This request for information (RFI) offers the opportunity for interested stakeholders to identify ways that the agencies could streamline the Call Report forms and instructions while still meeting the purposes of the collection.
Other Proposal
The Board of Governors of the Federal Reserve System (Board) is seeking comment on the proposed scenarios for the Board’s 2026 supervisory stress tests.
Other Proposal
The Board is seeking comment on proposed revisions to its Large Financial Institution (“LFI”) rating system (“LFI Framework”) and the ratings system for depository institution holding companies significantly engaged in insurance activities, referred to as supervised insurance organizations (“Insurance Supervisory Framework,” collectively with the LFI Framework, “Frameworks”), which is modeled on the LFI Framework. The proposal would revise the component ratings that a firm must receive to be considered “well managed” under the Frameworks. The proposed revisions reflect experience with the LFI Framework since its introduction in 2018. Specifically, the proposed changes aim to ensure that a firm’s “well managed” status reflects that the firm has sufficient financial and operational strength and resilience to maintain safe-and-sound operations through a range of conditions, including stressful ones. The proposed revisions also seek to further align the application of the Frameworks with the operation of other existing supervisory ratings systems. The proposed revisions would not change the scope of firms to which the Frameworks apply. Other changes to the Frameworks and existing supervisory ratings systems will be considered in the future.
Other Proposal
The Office of the Comptroller of the Currency (OCC), Treasury; the Federal Reserve System (FRS) comprising the Board of Governors of the Federal Reserve System (Board) and the Federal Reserve Banks; and the Federal Deposit Insurance Corporation (FDIC) seek public input on questions related to payments fraud. This request for information (RFI) offers the opportunity for interested stakeholders to identify ways that the OCC, FRS, and FDIC could take actions collectively or independently in their varying respective roles to help consumers, businesses, and financial institutions mitigate check, automated clearing house (ACH), wire, and instant payments fraud.
Other Proposal
The Board and the Treasury (together, the agencies) are providing notice that the agencies have completed drafting and submitted a report to Congress as contemplated by section 211(c)(3) of the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA), on the impact on consumers and markets in the United States before supporting or consenting to the adoption of a final international insurance capital standard. In accordance with section 211(c)(3)(B)(ii) of EGRRCPA, the agencies invite comment on the report.
Other Proposal
The Board is requesting comment on questions related to the operational aspects of Federal Reserve Bank (Reserve Bank) extensions of discount window and intraday credit. This Request for Information (RFI) offers the opportunity for interested individuals and institutions to identify ways to enhance the efficiency of Reserve Bank credit operations. This RFI does not seek comment on discount window or intraday credit policy considerations, such as the eligibility criteria and terms for discount window advances and intraday credit.
Other Proposal
The Board, the OCC, and the FDIC are seeking information and comments on the nature of bank-fintech arrangements, effective risk management practices regarding bank-fintech arrangements, and the implications of such arrangements, including whether enhancements to existing supervisory guidance may be helpful in addressing risks associated with these arrangements.
Other Proposal
The Board is seeking input on a proposal to expand the operating hours of the Fedwire® Funds Service and the National Settlement Service. The Board requests comments on the potential benefits, risks, and implementation considerations of the proposal.
Other Proposal
The Federal Reserve is conducting a review under the Primary Dealers Act of 1988 of the treatment of U.S. firms operating in the Spanish government debt market. As part of that review, the Board requests public comment on the treatment of U.S. firms in the Spanish government debt market, and specifically on whether Spain grants to U.S. companies the same competitive opportunities to underwrite and distribute Spanish government debt instruments that Spain accords to Spanish companies.
Other Proposal
The OCC, Board, FDIC, NCUA, and FinCEN (collectively, the agencies), seek information and comment from interested parties on the extent to which the principles discussed in the interagency Supervisory Guidance on Model Risk Management (referred to as the "model risk management guidance," or MRMG) support compliance by banks with Bank Secrecy Act/anti-money laundering (BSA/AML) and Office of Foreign Assets Control (OFAC) requirements. The OCC, Board, and FDIC, in consultation with NCUA and FinCEN, are concurrently issuing a statement to clarify that the risk management principles discussed in the MRMG are appropriate considerations in the context of the BSA/AML statutory and regulatory requirements.