Federal brief
Agencies raise community-bank 18-month exam threshold to $6 billion
An interim final rule issued September 10, 2026, implements the 21st Century ROAD to Housing Act by lifting the asset cap for an 18-month exam cycle from $3 billion to $6 billion for well-rated institutions.
On September 10, 2026, the federal bank regulatory agencies issued an interim final rule that expands which community banks can qualify for an 18-month on-site examination cycle instead of a 12-month cycle.
Congress, in section 903 of the 21st Century ROAD to Housing Act, raised the total-asset threshold from $3 billion to $6 billion for certain supervised institutions. The interim final rule writes that higher ceiling into the agencies’ exam-cycle regulations for well-rated (CAMELS 1 or 2) institutions.
The Board’s staff memo and the joint Federal Register text are the controlling documents. This desk brief only flags the public announcement for the Federal Reserve shelf.
Source: https://www.federalreserve.gov/newsevents/pressreleases/bcreg20260910a.htm
What to read next: /executive/agency/federal-reserve and /federal.
This is a Notice Nearby publisher-desk Federal brief — a short in-house summary of a public federal filing or agency press release. It is not official agency minutes, not a newspaper story, and not Legal Publication. It does not satisfy a statutory notice requirement.
Source: the official public federal record official record · Federal Reserve · Banking/Consumer · Sep 10, 2026.
This is a Notice Nearby publisher-desk Federal brief — a short in-house summary of a public federal filing. It is not official agency minutes, not a newspaper story, and not Legal Publication. It does not satisfy a statutory notice requirement.