美联储要求对一项提案发表评论，该提案旨在现代化其向银行“内部人士”（可能影响银行贷款决策的银行高管、董事会成员和主要股东）提供信贷的规则

2026 年 7 月 31 日
美联储要求对一项提案发表评论，该提案旨在现代化其向银行“内部人士”（可能影响银行贷款决策的银行高管、董事会成员和主要股东）提供信贷的规则
于美国东部时间上午 10:00 发布
美联储周五要求就一项提议发表评论，该提议旨在现代化其对银行“内部人士”（可能影响银行贷款决策的银行高管、董事会成员和主要股东）信贷扩展的规则。该提案更新了过时的门槛，同时保留了针对优惠待遇的保障措施。
O 条例自 1979 年以来一直没有得到全面更新。该规则解决了社区银行面临的独特挑战，社区银行的董事会成员和高管通常是当地企业主和民间领袖，他们为银行治理和当地经济信息提供宝贵的视角和专业知识。
该提案更新了以美元为基础的门槛，并将其与未来的经济增长挂钩。它解决了该规则对投资基金持有的公司被动权益的不必要应用，编纂了其他法定要求，纳入了长期存在的监管解释，并简化了该规则的应用。
“今天的提案通过更新过时的基于美元的门槛并确保其未来的相关性，同时保留必要的保障措施，使 O 条例现代化，”监管副主席米歇尔·W·鲍曼 (Michelle W. Bowman) 表示。 “社区银行经常面临招聘经验丰富的商业领袖担任银行董事会成员和银行高管的挑战。许多潜在的董事会成员都是企业主，他们的专业知识非常宝贵。这条规则通过提供更清晰、更直接的标准来认识到这一价值，这些标准可以防止潜在的利益冲突，同时支持有效的治理。”
对该提案的评论应在《联邦公报》公布后 60 天后提交。
对于媒体查询，请发送电子邮件至 [email protected] 或致电 202-452-2955。
联邦公报通知：向成员银行的执行官、董事和主要股东提供贷款；银行控股公司 (PDF)
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董事会备忘录 (PDF)
巴尔州长的声明
董事会投票

July 31, 2026
Federal Reserve Board requests comment on a proposal to modernize its rule governing the extension of credit to bank "insiders"—bank executives, board members and major shareholders who could potentially influence a bank's lending decisions
For release at 10:00 a.m. EDT
The Federal Reserve Board on Friday requested comment on a proposal to modernize its rule governing the extension of credit to bank "insiders"—bank executives, board members and major shareholders who could potentially influence a bank's lending decisions. The proposal updates outdated thresholds while maintaining safeguards against preferential treatment.
Regulation O has not been comprehensively updated since 1979. The rule addresses a unique challenge for community banks, where board members and executives are often local business owners and civic leaders who provide valuable perspective and expertise to bank governance and information on the local economy.
The proposal updates dollar-based thresholds and indexes them to economic growth going forward. It addresses unnecessary applications of the rule to passive interests in companies held by investment funds, codifies other statutory requirements, incorporates long-standing regulatory interpretations, and simplifies the application of the rule.
"Today's proposal modernizes Regulation O by updating outdated dollar-based thresholds and ensuring their future relevance, while preserving necessary safeguards," said Vice Chair for Supervision Michelle W. Bowman. "Community banks often face challenges recruiting experienced business leaders to serve as members of bank boards and as bank executives. Many potential board members are business owners whose expertise is invaluable. This rule recognizes that value by providing clearer, more straightforward standards that protect against potential conflicts of interest while supporting effective governance."
Comments on the proposal are due 60 days after publication in the Federal Register .
For media inquiries, please email [email protected] or call 202-452-2955.
Federal Register notice: Loans to Executive Officers, Directors, and Principal Shareholders of Member Banks; Bank Holding Companies (PDF)
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Board memo (PDF)
Statement by Governor Barr
Board Votes