Regulatory Capital Rule: Modifications to the Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Their Subsidiary Depository Institutions; etc.

Key Points

• 1Modifies the 'supplementary leverage ratio' — a measure that determines how much cash cushion the biggest banks must maintain relative to their total assets
• 2Applies specifically to U.S. Global Systemically Important Banks (the largest financial institutions like JPMorgan Chase and Bank of America) and their subsidiary banks
• 3Changes the calculation methods for determining capital requirements, potentially allowing some banks to count certain assets differently
• 4This is a proposed rule, meaning the FDIC is seeking public feedback before finalizing it; comments are due by August 27, 2025
• 5Affects bank stability and lending practices, which can indirectly influence interest rates and credit availability for everyday consumers and businesses

Key Dates