On September 10, 2026, the OCC, FDIC, and Federal Reserve issued an interim final rule increasing the asset threshold for community banks eligible for an 18-month examination cycle from $3 billion to $6 billion.
What changed
More community banks can now qualify for extended examination intervals, contingent on meeting specific criteria.
Compliance perspective
Banks should assess their current asset levels and ensure compliance with the 18-month examination cycle requirements.
Key date
Effective date: September 10, 2026.
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