美联储要求对互助银行组织规则现代化提案发表评论

2026 年 7 月 31 日
美联储要求对互助银行组织规则现代化提案发表评论
于美国东部时间上午 10:00 发布
联邦储备委员会周五要求对一项关于互惠银行组织规则现代化的提案发表评论。这些机构的所有者是存款人而不是股东，其中 90% 以上的机构总资产不到 30 亿美元。
董事会于 2011 年从储蓄监管办公室接管了互助银行的监管权。管理这些银行的规则于 1993 年首次制定。这些规则尚未更新，而且随着时间的推移，事实证明这些规则过于繁重和复杂。
监管副主席米歇尔·W·鲍曼 (Michelle W. Bowman) 表示：“今天的提案是我们 30 年来首次更新共同银行监管，实现银行监管框架现代化的重要一步。这一模式的持续成功有助于美国银行体系的制度多样性，这是我们金融体系的最大优势之一。” “这项提议将使互助银行能够继续发展并更有效地为全国各地的社区提供服务，同时保留其独特的储户拥有的结构。”
该提案将使框架现代化，并提高某些互助银行筹集资金的灵活性。更具体地说，它将澄清哪些工具可算作监管资本并减少程序负担以及其他全面更新。
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：共同控股公司的监管现代化和救济 (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 rules for mutual banking organizations
For release at 10:00 a.m. EDT
The Federal Reserve Board on Friday requested comment on a proposal to modernize rules for mutual banking organizations. These institutions are owned by depositors rather than shareholders, and more than 90 percent have less than $3 billion in total assets.
The Board assumed regulatory and supervisory authority over mutual banks from the Office of Thrift Supervision in 2011. The rules governing these banks were first established in 1993. They have not been updated and have proven over time to be overly burdensome and complex.
"Today's proposal is another important step in our work to modernize the bank regulatory framework by updating mutual bank regulations for the first time in 30 years. The continued success of this model contributes to the institutional diversity of the U.S. banking system, which is one of the greatest strengths of our financial system," said Vice Chair for Supervision Michelle W. Bowman. "This proposal will allow mutual banks to continue to grow and more effectively serve communities across the country, while preserving their unique depositor-owned structure."
The proposal would modernize the framework and increase flexibility for certain mutual banks to raise capital. More specifically, it would clarify which instruments count as regulatory capital and reduce procedural burdens, among other comprehensive updates.
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: Regulatory Modernization and Relief for Mutual Holding Companies (PDF)
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Board memo (PDF)
Statement by Governor Barr
Board Votes