Agencies Issue Final Rule to Prioritize Material Financial Risks

The Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation (the agencies) today issued a final rule that continues their effort to focus examiners’ and institutions’ attention on material financial risks and compliance with banking and banking-related laws and regulations. The final rule is consistent with the objectives of the agencies’ proposal issued in October 2025, with certain modifications to clarify how the agencies will exercise their enforcement and supervisory authority.