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Reported Sep 10, 2026Quickanomics write-up updated Oct 11, 2026, version 21 min read
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The higher asset threshold expands eligibility for an extended exam cycle while preserving conditions for low-risk institutions.
An interim final rule raises the asset threshold from US$3 billion to US$6 billion for banks eligible for an 18-month on-site exam cycle.
A longer interval changes the timing of scheduled visits. It can reduce the resources devoted to preparing for those examinations.
Eligibility depends on supervisory criteria, including being well managed and . Offsite monitoring continues. The rule takes effect upon Federal Register publication and does not extend the cycle for every bank.
Asset size is only part of the eligibility test. Financial condition and supervisory assessments still matter.