OCCGeneralSeptember 14, 2026

OCC/Fed/FDIC Raise Asset Threshold for 18-Month Exam Cycle to $6 Billion

An interim final rule from the OCC, Federal Reserve, and FDIC raises the total asset threshold that allows certain well-managed, well-capitalized insured depository institutions and U.S. branches of foreign banks to qualify for an extended 18-month on-site examination cycle. Smaller banks and trust companies that fall below the new threshold may see reduced examination frequency, affecting the pace of supervisory feedback on compliance programs. Fintech-partnered banks and crypto-custody trust companies under the threshold should be aware that less frequent exams do not reduce compliance obligations.

What to do

Determine whether your institution falls below the new asset threshold, and if so, maintain robust internal audit and compliance monitoring cadences to compensate for potentially longer gaps between on-site regulatory examinations.

Who this affects

Bank / Credit UnionTrust Company

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Source

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This radar entry is educational and does not constitute legal advice. Summaries are AI-assisted and grounded in the linked official source; always verify against the primary source and consult qualified legal counsel for jurisdiction-specific guidance.

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