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Preamble

Table of Contents
          - Introduction 
          - Scope 
          - Qualification 
          - Calculation of Tier 1 Capital and Total Qualifying Capital 
          - Calculation of Risk-Weighted Assets 
          - Operational Risk 
          - Disclosure 

List of Acronyms

Regulatory Flexibility Act Analysis

Paperwork Reduction Act

Plain Language

OCC Executive Order 12866

OTS Executive Order 12866 Determination

OCC Unfunded Mandates Reform Act of 1995 Determination

OTS Unfunded Mandates Reform Act of 1995 Determination

Proposed Regulatory Text

Table of Contents
        - Part I
        - General Provisions
        - Part II
        - Qualifying Capital
        - Part III
        - Qualification
        - Part IV
        - Risk-Weighted Assets for General Credit Risk
        - Part V 
        - Risk-Weighted Assets for Securitization Exposures
        - Part VI
        - Risk-Weighted Assets for Equity Exposures
        - Part VII
        - Risk-Weighted Assets for Operational Risk
        - Part VIII
        - Disclosure

List of Subjects

Authority and Issuance

OCC

Federal Reserve

FDIC

OTS

OCC

Federal Reserve

FDIC

OTS

Billing Codes

The Regulatory Flexibility Act (RFA) requires an agency that is issuing       a proposed rule to prepare and make available for public comment an initial       regulatory flexibility analysis that describes the impact of the proposed       rule on small entities. 5 U.S.C. 603(a). The RFA provides that       an agency is not required to prepare and publish an initial regulatory       flexibility analysis if the agency certifies that the proposed rule will       not, if promulgated, have a significant economic impact on a substantial       number of small entities. 5 U.S.C. 605(b).

Pursuant to section 605(b) of the RFA (5 U.S.C. 605(b)),       the agencies certify that this proposed rule will not, if promulgated in       final form, have a significant economic impact on a substantial number       of small entities. Pursuant to regulations issued by the Small Business       Administration (13 CFR 121.201), a "small entity" includes       a bank holding company, commercial bank, or savings association with assets       of $165 million or less (collectively, small banking organizations).       The proposed rule would require a bank holding company, national bank,       state member bank, state nonmember bank, or savings association to calculate       its risk-based capital requirements according to certain internal-ratings-based       and internal model approaches if the bank holding company, bank, or savings       association (i) has consolidated total assets (as reported on its       most recent year-end regulatory report) equal to $250 billion or more;       (ii) has consolidated total on-balance sheet foreign exposures at       the most recent year-end equal to $10 billion or more; or (iii) is       a subsidiary of a bank holding company, bank, or savings association that       would be required to use the proposed rule to calculate its risk-based       capital requirements.

The agencies estimate that zero small bank holding companies (out of a       total of approximately 2,934 small bank holding companies), five small       national banks (out of a total of approximately 1,090 small national       banks), one small state member bank (out of a total of approximately 491 small       state member banks), one small state nonmember bank (out of a total of       approximately 3,249 small state nonmember banks), and zero small       savings associations (out of a total of approximately 446 small savings       associations) would be subject to the proposed risk-based capital requirements       on a mandatory basis. In addition, each of the small banking organizations       subject to the proposed rule on a mandatory basis would be a subsidiary       of a bank holding company with over $250 billion in consolidated total       assets or over $10 billion in consolidated total on-balance sheet       foreign exposure. Therefore, the agencies believe that the proposed rule       will not, if promulgated in final form, result in a significant economic       impact on a substantial number of small entities.

Basel II Capital AccordNotice of Proposed Rulemaking (NPR)

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