Modifications to the Capital Plan Rule and Stress Capital Buffer Requirement
By Federal Reserve System · Oct 1, 2026, 11:00 PM CDT
The Board is adopting a final rule to amend the calculation of the Board's stress capital buffer requirement applicable to certain large bank holding companies, savings and loan holding companies, U.S. intermediate holding companies of foreign banking organizations, and nonbank financial companies supervised by the Board to reduce the volatility of the stress capital buffer requirement. The final
Excerpt shown under fair-use limits. Full text remains with the original publisher.
People in this coverage
Explore their history and attributable record. Being mentioned does not imply endorsement.
Layer 1 · Claims & fact checks
AI analysisLayer 3 · Reporting analysis
AI analysisFramingThe rule is framed as a response to volatility concerns, presenting the change as a stabilizing measure.
Technical LanguageThe use of specific regulatory terminology conveys authority and precision, targeting a knowledgeable audience.
Implementation DetailSpecifying the new effective date emphasizes the practical timeline for compliance.
Context
AI analysisMissing context
The excerpt does not explain why volatility in the stress capital buffer is a concern, how the changes may affect banks' capital planning, or any stakeholder reactions to the rule.
Important context
The rule aims to make the stress capital buffer requirement less volatile by basing it on an average of recent stress‑test declines, and it provides firms additional time to comply by moving the effective date to January 1.
Opinion vs. reporting
AI analysisThe document is purely reporting a regulatory action; it contains no explicit opinion or evaluative language, only statements of what the Board is doing.