24. Federal Reserve · Minor
Limit Fed regulatory activity to bank capital adequacy
Printed page 740 24. Federal Reserve
“Focus any regulatory activities on maintaining bank capital adequacy.”
What has happened
- Not started
The Federal Reserve narrowed several supervisory practices without narrowing its regulatory remit to capital adequacy. Inside the window it announced that reputational risk would no longer be a component of examination programs (June 23, 2025), sunset its novel activities supervision program (August 15, 2025), removed further references to reputation risk jointly with the other banking agencies (June 2, 2026) and proposed to codify the removal (February 23, 2026); it also proposed to modernize the regulatory capital framework and finalized changes to the community bank leverage ratio. But the Board still writes and enforces rules on consumer protection, payments, large financial institution ratings, insurance supervision, resolution planning and much else, and no instrument confines its regulatory activity to capital adequacy.
No action found yet. This entry is the starting point, not a finding.
Research log
What was searched, and what didn’t count as evidence
Research notes
Leveling call, recorded in docs/research/ch-24.md. The narrowings are real and are in the same direction as the ask, but under playbook §3b progress is measured on this ask: removing a risk category from examination manuals is not confining regulation to capital adequacy, and the Board’s rulemaking output in the window ranges well beyond capital.
The dated releases behind the note, all on federalreserve.gov and all read: bcreg20250623a.htm (reputational risk removed from examination programs) and bcreg20250815a.htm (novel activities supervision program sunset). Leads in Congress, all in committee: H.R. 2418, the Federal Reserve Regulatory Oversight Act; S. 1646, S. 1647 and S. 1648.
- Action
- restrict
- Object
- Federal Reserve bank regulatory activities
- ID
- 2026