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April 2023

The Administration is encouraging the federal banking agencies, in consultation with the Department of the Treasury, to take action under their existing authorities to:

• Reinstate rules for banks with between $100 billion and $250 billion in total assets (generally referred to as Category IV institutions) that had been in place prior to rulemakings adopted in 2019 to “tailorâ€� the application of enhanced prudential standards (EPS), capital and liquidity requirements, and resolution planning requirements.
• Strengthen supervisory oversight by:
  • Shortening the transition period between when institutions meet the relevant large bank total asset threshold (e.g., $100 billion) and when they are required to meet the relevant requirements.
  • Conducting stress testing and using other available tools.
• Proceed with current efforts to expand long-term-debt (LTD) requirements to a larger number of institutions (i.e., non-global systemically important banking organizations (non-GSIBs)), preliminarily directed at institutions with total assets between $250 billion and $700 billion. (See ÀÖÓ㣨Leyu£©ÌåÓý¹ÙÍø Regulatory Alert on the relevant ANPR,Ìý³ó±ð°ù±ð.)