Comptroller Gould Statement on Notice of Proposed Rulemakings to Modernize Regulatory Capital Framework — 2026-03-19

WASHINGTON—Comptroller of the Currency Jonathan V. Gould issued the following statement today at the Federal Deposit Insurance Corporation’s (FDIC) board meeting about two proposals to modernize the regulatory capital framework for banking organizations of all sizes. Today’s proposals are another important step in resetting the risk tolerance for the banking system and restoring banks to their proper role as financial intermediaries. The OCC currently estimates that the banks it supervises will see an aggregate reduction in minimum binding capital requirements of 6.9% under the proposed standardized approach. And the very largest OCC-supervised banks will see a reduction of 3.4% under the expanded risk-based approach. This increases lending capacity and gives banks more runway to support their communities and customers. These proposals would also simplify our regulatory framework by eliminating the need for calculating risk weights using multiple methodologies in parallel.