meta_id 3166754

On May 19, 2026, the Federal Financial Institutions Examination Council (FFIEC) invited public comment on proposed revisions to the Uniform Financial Institutions Rating System, commonly known as the CAMELS rating system. The Office of the Comptroller of the Currency (OCC) issued the proposal through OCC Bulletin 2026-22 to focus ratings on material financial risk and improve the transparency of ratings for national banks and federal savings associations. The CAMELS rating system evaluates the safety and soundness of financial institutions by assessing six components: capital adequacy, asset quality, management, earnings, liquidity, and sensitivity to market risk. Each institution receives a rating for each component and a composite rating. The proposed revisions aim to strengthen the link between ratings and a financial institution's safety and soundness by focusing ratings on material financial risks. The OCC intends to retain the basic framework of the existing rating system while modifying the composite and component rating definitions and evaluation factors. These revisions apply to all national banks and federal savings associations, including community banks. The comment period extends 90 days from publication of the proposed revisions in the Federal Register. Interested parties, including chief executives of national banks, federal savings associations, federal branches and agencies, department and division heads, examining personnel, and other stakeholders, are invited to submit comments on all aspects of the proposed revisions. For further information, parties may contact the Office of the Chief National Bank Examiner at (202) 649-5420 or reference the related FFIEC Press Release.