Comptroller Gould Statement on Community Bank Leverage Ratio Final Rule | OCC

https://www2.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-31.html
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2026-05-04 13:41:20 · pdonofrio@vixio.com
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Comptroller of the Currency Jonathan V. Gould issued the following statement today about the Community Bank Leverage Ratio final rule, which provides community banks with greater flexibility to use a simpler measure of capital adequacy and reduces regulatory burden.

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TITLE: Office of the Comptroller of the Currency Issues Community Bank Leverage Ratio Final Rule BODY: On April 23, 2026, the Office of the Comptroller of the Currency (OCC) issued a final rule on the Community Bank Leverage Ratio, which provides community banks with simplified capital adequacy standards. Comptroller of the Currency Jonathan V. Gould stated that the rule offers community banks greater flexibility by allowing them to use a simpler measure of capital adequacy, thereby reducing regulatory burden. The final rule represents part of the OCC's broader targeted regulatory relief initiative for community banks. By providing the option to use simplified capital standards, the rule aims to ease compliance requirements while maintaining safe and sound banking operations. The OCC emphasises that this regulatory flexibility is intended to support the long-term health and vitality of community banks and foster local economic growth. The rule is designed to reduce unnecessary regulatory burden on these institutions while preserving capital adequacy safeguards. The OCC has indicated it remains committed to targeted regulatory reforms that ease the burden on community banks. The final rule is now available for implementation. Community banks should review the rule to determine whether adopting the simplified leverage ratio approach aligns with their operational and compliance strategies. **Reference:** Office of the Comptroller of the Currency, News Release 2026-31, "Comptroller Gould Statement on Community Bank Leverage Ratio Final Rule" (April 23, 2026).
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