On July 30, 2026, the OCC announced a revised guide for the Community Bank use Ratio framework. The release said the underlying framework revisions became effective July 1, 2026, and estimated that the changes could free up $64 billion to support additional lending.
What changed
The OCC updated its guide to explain the revised CBLR framework already in effect as of July 1, 2026.
Compliance perspective
Community banks should confirm whether they now qualify for the framework and whether capital planning, call report treatment, and internal procedures need updates. This was not a new rule on July 30, but it signals the agency expects institutions to apply the revised framework now.
Key date
Effective date: July 1, 2026.
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