各机构减轻社区银行的监管负担，提高 18 个月考试周期的资格

2026 年 9 月 10 日
各机构减轻社区银行的监管负担，提高 18 个月考试周期的资格
美联储系统理事会
联邦存款保险公司
货币监理署
下午 4:00 发布东部夏令时间
联邦银行监管机构今天发布了一项临时最终规则，增加了有资格参加 18 个月考试周期的社区银行的数量。
《21 世纪住房之路法案》将某些受监管机构的总资产门槛从 30 亿美元提高到 60 亿美元，以获得延长 18 个月现场考试周期的资格。将这些小型非复杂企业的考试周期从 12 个月延长至 18 个月，适当减轻了这些低风险机构的负担，包括花费的时间和资源。根据法律，为了有资格参加延长的考试周期，这些机构必须满足某些标准，包括它们被认为管理良好且资本充足。
临时最终规则将增加的费用纳入机构对评级良好的机构的规定中。延长的周期适用于风险相对较低的小型银行，但各机构将继续目前在预定检查之间进行异地监控的监管做法。
该规则还对监管外国银行美国分行和代理机构现场检查周期的机构规定进行了并行修改。
临时最终规则将在《联邦公报》上公布后立即生效，并在 30 天内接受评论。
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联邦公报通知：扩大某些小型受保存款机构以及外国银行美国分行和代理机构的审查周期：HTML | PDF
董事会备忘录 (PDF)
媒体联系人：
快速无线电波
梅格·巴登霍斯特
(202)452-2955
联邦存款保险公司
卡罗尔·金
(202)898-7389
OCC
斯蒂芬妮·柯林斯
(202)649-6870
董事会投票

September 10, 2026
Agencies reduce regulatory burden for community banks, increase eligibility for 18-month exam cycle
Board of Governors of the Federal Reserve System
Federal Deposit Insurance Corporation
Office of the Comptroller of the Currency
For release at 4:00 p.m. EDT
The federal bank regulatory agencies today issued an interim final rule increasing the number of community banks eligible for an 18-month exam cycle.
The 21st Century ROAD to Housing Act increased the total asset threshold from $3 billion to $6 billion for certain supervised institutions to qualify for an extended 18-month on-site exam cycle. Extending the exam cycle for these small non-complex firms from 12 months to 18 months appropriately reduces burden, including time and resources spent, for these low-risk institutions. By law, to be eligible for the extended exam cycle, these institutions must meet certain criteria, including that they are considered well managed and well capitalized.
The interim final rule incorporates the increase into the agencies' regulations for well-rated institutions. The extended cycle applies to small banks with relatively low-risk profiles, but the agencies would continue the current supervisory practice of offsite monitoring between scheduled exams.
The rule also makes parallel changes to the agencies' regulations governing the on-site examination cycle for U.S. branches and agencies of foreign banks.
The interim final rule will be effective immediately upon publication in the Federal Register , and comments will be accepted for 30 days.
Comments: Submit | View
Federal Register notice: Expanded Examination Cycle for Certain Small Insured Depository Institutions and U.S. Branches and Agencies of Foreign Banks: HTML | PDF
Board memo (PDF)
Media Contacts:
FRB
Meg Badenhorst
(202) 452-2955
FDIC
Carroll Kim
(202) 898-7389
OCC
Stephanie Collins
(202) 649-6870
Board Votes