The update directly addresses revisions to the community bank leverage ratio framework, which is a specific regulatory measure limiting the ratio between capital and total exposures.
Mandatory inheritance: Leverage Ratio is a child of Prudential Standards, so Prudential Standards must be raised as the secondary tag.
Product
This update concerns regulatory capital adequacy frameworks and supervisory burden reduction for community banks as institutions, not a specific retail financial product or service.
While community banks offer various products including deposits and lending, this update addresses institutional capital regulation and supervision rather than any specific product type.
Obligation
The update describes a revised capital adequacy framework and supervisory approach for community banks, which relates to regulatory burden reduction and risk-based supervision rather than a specific operational obligation on firms.
The mention of tailored examination procedures and risk-based supervision approaches suggests elements of Controls Implementation, though the update is primarily regulatory guidance rather than a prescriptive firm obligation.
Activity
This update concerns regulatory capital adequacy framework revisions for community banks, which does not map directly to any specific retail financial services business activity in the taxonomy; the content is supervisory/prudential policy rather than a customer-facing service.
The mention of Bank Secrecy Act and Anti-Money Laundering examination procedures could tangentially relate to transaction monitoring, but the update's primary focus is capital regulation and supervisory burden reduction rather than operational AML/transaction control activities.
Themes
The update centers on revisions to the community bank leverage ratio framework, which is a simplified capital adequacy measure designed to reduce regulatory burden on community banking organizations.
The broader regulatory relief initiative includes tailored Bank Secrecy Act and Anti-Money Laundering examination procedures, which touches on financial crime oversight, though this is secondary to the primary capital-adequacy focus and flagged for human review given the moderate confidence.
Functions
The update directly impacts finance and treasury functions by revising the capital adequacy framework (CBLR) that determines regulatory capital requirements and liquidity management obligations for eligible community banks.
Compliance functions must interpret and monitor adherence to the revised CBLR framework requirements, though the primary operational impact falls on treasury and capital management, warranting human review of this below-0.75 secondary confidence.
2026-08-03 15:21:28·pdonofrio@vixio.com
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The Office of the Comptroller of the Currency today issued a revised compliance guide for the community bank leverage ratio (CBLR) framework as part of its ongoing work to provide regulatory relief for community banks.
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TITLE: Office of the Comptroller of the Currency Issues Revised Community Bank Leverage Ratio Framework
BODY:
On July 30, 2026, the Office of the Comptroller of the Currency (OCC) issued a revised compliance guide for the community bank leverage ratio (CBLR) framework, effective July 1, 2026. The updated guidance is designed to help community banking organizations understand revisions to the optional CBLR framework, which provides a simplified measure of capital adequacy for certain community banking organizations while reducing regulatory burden.
The revised CBLR framework will free up an estimated $64 billion to support additional lending to Main Street, with 95 percent of community banks eligible to benefit from the burden-reducing framework. United States Comptroller of the Currency Jonathan V. Gould said the framework supports the administration's community bank comeback initiative by reducing cumbersome regulations that have hindered these vital institutions and impeded U.S. economic growth.
The OCC has implemented a series of complementary actions to address challenges facing community banks. These include creating a distinct line of supervision focused on community banks; removing previously required examination activities and tailoring examination scope and frequency in a risk-based manner; increasing the upper asset range of the community bank supervision portfolio to allow organic growth without increased scrutiny; updating model risk management guidance to be risk-based and tailored to bank size and complexity; simplifying licensing requirements and expanding access to expedited filing procedures; establishing tailored Bank Secrecy Act and Anti-Money Laundering examination procedures; clarifying that expanded procedures will not be used when examining retail nondeposit investment product offerings; eliminating duplicative data collection requirements; and proposing guidance for a simplified Community Reinvestment Act strategic plan process.
Community banks can access the revised CBLR Framework Community Bank Compliance Guide on the OCC website.
OCC Continues Community Bank Comeback with Revised CBLR Framework | OCC Skip to main content An official website of the United States government Careers Quick Access Most Requested Bank Secrecy Act (BSA) Contact Us Community Reinvestment Act (CRA) Comptroller's Handbook Corporate Applications Search Enforcement Action Search Financial Institution Lists Newsroom Third-Party Relationships: Interagency Guidance on Risk Management More OCC Websites BankNet.gov Find resources for bankers. HelpWithMyBank.gov Get answers to banking questions. Search More Search Tools Financial Institution Search CRA Performance Evaluations Search Enforcement Actions Search Corporate Applications Search (CAS) Parts of this site may be down for maintenance from Friday, July 31, 8:00 p.m. to Sunday, August 02, 9:00 a.m. (Eastern). Home News & Events Newsroom News Release 2026-62 | July 30, 2026 OCC Continues Community Bank Comeback with Revised CBLR Framework Share This Page: $64 billion to be freed up to support Main Street lending 95% of community banks are eligible for CBLR framework WASHINGTON—The Office of the Comptroller of the Currency today issued a revised compliance guide for the community bank leverage ratio (CBLR) framework as part of its ongoing work to provide regulatory relief for community banks. “Community banks are the backbone of the American economy, serving as the conduit to capital for small businesses and hardworking families across the country,” said United States Comptroller of the Currency Jonathan V. Gould. “President Donald J. Trump and Secretary of the Treasury Scott Bessent are leading a community bank comeback by unleashing Parallel Prosperity for Main Street and Wall Street. The OCC is proud to support their efforts by reducing cumbersome regulations that have long hindered these vital institutions and impeded U.S. economic growth.” The updated guide is intended to help community banking organizations understand the revisions to the optional CBLR framework that went into effect July 1, 2026 . The framework provides a simple measure of capital adequacy for certain community banking organizations and reduces regulatory burden while promoting safety and soundness. Overall, 95 percent of community banks could benefit from the burden-reducing framework. The revisions to the CBLR framework will free up an estimated $64 billion that could support additional lending to Main Street. The OCC remains committed to addressing the challenges for community banks and has taken a series of actions to rightsize regulatory burden and tailor supervisory activities so these institutions may grow and continue to meet the needs of the customers and small businesses they serve. These actions include: Creating a distinct line of supervision focused on community banks and the issues that affect them most. Removing previously required OCC examination activities and instead tailored examination scope and frequency in a manner that is consistent with risk-based supervision. Increasing the upper asset range of the community bank supervision portfolio to give them room to grow organically or through acquisition, without facing the increased supervision scrutiny that comes with larger or more complex banks assigned to other supervision portfolios. Updating the OCC’s model risk management guidance to clarify that model risk management should be risk-based, tailored, and commensurate with a bank’s size, complexity, and extent of model use, excluding community banks from unnecessary requirements. Simplifying licensing requirements and alleviating unnecessary compliance burdens by expanding community banks’ access to expedited or reduced filing procedures. Establishing Community Bank Minimum Bank Secrecy Act and Anti-Money Laundering examination procedures to tailor supervisory activities to community banks’ generally low money laundering/terrorist financing risk levels and eliminated Money Laundering Risk System data collection requirements. Reducing complexity by clarifying that the OCC will not use expanded procedures—generally unsuitable to community banks—when examining community banks’ retail nondeposit investment product offerings. Eliminating duplicative data collection requirements , further alleviating regulatory reporting burden for community banks. Proposing guidance for a simplified Community Reinvestment Act strategic plan process to help community banks better focus their resources on local credit needs and clarify measurable goals and other requirements. Related Link CBLR Framework Community Bank Compliance Guide (Revised, July 2026) (PDF) Media Contact Rebecca Karabus (202) 649-6870 Topic(s): Bank Management Capital Community Banks Laws & Regulations OCC Regulations