Notice2025-12788
Proposed Agency Information Collection Activities; Comment Request
Primary source
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Published
July 10, 2025
Issuing agencies
Treasury DepartmentComptroller of the CurrencyFederal Reserve SystemFederal Deposit Insurance Corporation
Abstract
In accordance with the requirements of the Paperwork Reduction Act of 1995 (PRA), the OCC, the Board, and the FDIC (the agencies) may not conduct or sponsor, and the respondent is not required to respond to, an information collection unless it displays a currently valid Office of Management and Budget (OMB) control number. The Federal Financial Institutions Examination Council (FFIEC), of which the agencies are members, has approved the agencies' publication for public comment of a proposal to revise and extend for three years the Consolidated Reports of Condition and Income (Call Report) (FFIEC 031, FFIEC 041, and FFIEC 051), which is currently an approved collection of information. The agencies are proposing revisions to the Call Report related to proposed revisions to the enhanced supplementary leverage ratio standard applicable to depository institution subsidiaries of global systemically important bank holding companies under the agencies' regulatory capital rules.
Full Text
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<title>Federal Register, Volume 90 Issue 130 (Thursday, July 10, 2025)</title>
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[Federal Register Volume 90, Number 130 (Thursday, July 10, 2025)]
[Notices]
[Pages 30641-30644]
From the Federal Register Online via the Government Publishing Office [<a href="http://www.gpo.gov">www.gpo.gov</a>]
[FR Doc No: 2025-12788]
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DEPARTMENT OF THE TREASURY
Office of the Comptroller of the Currency
FEDERAL RESERVE SYSTEM
FEDERAL DEPOSIT INSURANCE CORPORATION
Proposed Agency Information Collection Activities; Comment
Request
AGENCY: Office of the Comptroller of the Currency (OCC), Treasury;
Board of Governors of the Federal Reserve System (Board); and Federal
Deposit Insurance Corporation (FDIC).
ACTION: Joint notice and request for comment.
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SUMMARY: In accordance with the requirements of the Paperwork Reduction
Act of 1995 (PRA), the OCC, the Board, and the FDIC (the agencies) may
not conduct or sponsor, and the respondent is not required to respond
to, an information collection unless it displays a currently valid
Office of Management and Budget (OMB) control number. The Federal
Financial Institutions Examination Council (FFIEC), of which the
agencies are members, has approved the agencies' publication for public
comment of a proposal to revise and extend for three years the
Consolidated Reports of Condition and Income (Call Report) (FFIEC 031,
FFIEC 041, and FFIEC 051), which is currently an approved collection of
information. The agencies are proposing revisions to the Call Report
related to proposed revisions to the enhanced supplementary leverage
ratio standard applicable to depository institution subsidiaries of
global systemically important bank holding companies under the
agencies' regulatory capital rules.
DATES: Comments must be submitted on or before September 8, 2025.
ADDRESSES: Interested parties are invited to submit written comments to
any or all of the agencies. All comments will be shared among the
agencies.
OCC: You may submit comments by any of the following methods:
<bullet> Email: <a href="/cdn-cgi/l/email-protection#58282a3931363e3718373b3b762c2a3d392b763f372e"><span class="__cf_email__" data-cfemail="82f2f0e3ebece4edc2ede1e1acf6f0e7e3f1ace5edf4">[email protected]</span></a>.
<bullet> Mail: Chief Counsel's Office, Office of the Comptroller of
the Currency, Attention: 1557-0081, 400 7th Street SW, Suite 3E-218,
Washington, DC 20219.
<bullet> Hand Delivery/Courier: 400 7th Street SW, Suite 3E-218,
Washington, DC 20219.
Instructions: You must include ``OCC'' as the agency name and
``1557-
[[Page 30642]]
0081'' in your comment. In general, the OCC will publish comments on
<a href="http://www.reginfo.gov">www.reginfo.gov</a> without change, including any business or personal
information provided, such as name and address information, email
addresses, or phone numbers. Comments received, including attachments
and other supporting materials, are part of the public record and
subject to public disclosure. Do not include any information in your
comment or supporting materials that you consider confidential or
inappropriate for public disclosure.
You may review comments and other related materials that pertain to
this information collection beginning on the date of publication of the
second notice for this collection by the following method:
<bullet> Viewing Comments Electronically: Go to <a href="http://www.reginfo.gov">www.reginfo.gov</a>.
Hover over the ``Information Collection Review'' drop down menu and
select ``Information Collection Review.'' Underneath the ``Currently
under Review'' section heading, from the drop-down menu select
``Department of Treasury'' and then click ``submit.'' This information
collection can be located by searching by OMB control number ``1557-
0081.'' Upon finding the appropriate information collection, click on
the related ``ICR Reference Number.'' On the next screen, select ``View
Supporting Statement and Other Documents'' and then click on the link
to any comment listed at the bottom of the screen.
<bullet> For assistance in navigating <a href="http://www.reginfo.gov">www.reginfo.gov</a>, please
contact the Regulatory Information Service Center at (202) 482-7340.
Board: You may submit comments, which should refer to ``Call Report
Revisions,'' by any of the following methods:
<bullet> Agency Website: <a href="https://www.federalreserve.gov">https://www.federalreserve.gov</a>. Follow the
instructions for submitting comments at: <a href="https://www.federalreserve.gov/generalinfo/foia/ProposedRegs.cfm">https://www.federalreserve.gov/generalinfo/foia/ProposedRegs.cfm</a>.
<bullet> Email: <a href="/cdn-cgi/l/email-protection#8bf9eeecf8a5e8e4e6e6eee5fff8cbedeeefeef9eae7f9eef8eef9fdeea5ece4fd"><span class="__cf_email__" data-cfemail="72001715015c111d1f1f171c0601321417161700131e001701170004175c151d04">[email protected]</span></a>. Include ``Call
Report Revisions'' in the subject line of the message.
<bullet> Fax: (202) 395-6974.
<bullet> Mail: Ann E. Misback, Secretary, Board of Governors of the
Federal Reserve System, 20th Street and Constitution Avenue NW,
Washington, DC 20551.
All public comments are available on the Board's website at <a href="https://www.federalreserve.gov/apps/foia/proposedregs.aspx">https://www.federalreserve.gov/apps/foia/proposedregs.aspx</a> as submitted,
unless modified for technical reasons. Accordingly, your comments will
not be edited to remove any identifying or contact information.
FDIC: You may submit comments, which should refer to ``Call Report
Revisions OMB Control No. 3064-0052,'' by any of the following methods:
<bullet> Agency Website: <a href="https://www.fdic.gov/resources/regulations/federal-register-publications/">https://www.fdic.gov/resources/regulations/federal-register-publications/</a>. Follow the instructions for
submitting comments on the FDIC's website.
<bullet> Email: <a href="/cdn-cgi/l/email-protection#d7b4b8babab2b9a3a49791939e94f9b0b8a1"><span class="__cf_email__" data-cfemail="fa999597979f948e89babcbeb3b9d49d958c">[email protected]</span></a>. Include ``Call Report Revisions
OMB Control No. 3064-0052'' in the subject line of the message.
<bullet> Mail: Robert Meiers, Regulatory Attorney, MB-3013, Federal
Deposit Insurance Corporation, 550 17th Street NW, Washington, DC
20429.
<bullet> Hand Delivery: Comments may be hand delivered to the guard
station at the rear of the 550 17th Street NW building (located on F
Street NW) on business days between 7 a.m. and 5 p.m.
<bullet> Public Inspection: All comments received, including any
personal information provided, will be posted without change to <a href="https://www.fdic.gov/resources/regulations/federal-register-publications/">https://www.fdic.gov/resources/regulations/federal-register-publications/</a>.
Commenters should submit only information that the commenter wishes to
make available publicly. The FDIC may review, redact, or refrain from
posting all or any portion of any comment that it may deem to be
inappropriate for publication, such as irrelevant or obscene material.
The FDIC may post only a single representative example of identical or
substantially identical comments, and in such cases will generally
identify the number of identical or substantially identical comments
represented by the posted example. All comments that have been
redacted, as well as those that have not been posted, that contain
comments on the merits of this document will be retained in the public
comment file and will be considered as required under all applicable
laws. All comments may be accessible under the Freedom of Information
Act.
Additionally, commenters may send a copy of their comments to the
OMB desk officer for the agencies by mail to the Office of Information
and Regulatory Affairs, U.S. Office of Management and Budget, New
Executive Office Building, Room 10235, 725 17th Street NW, Washington,
DC 20503.
FOR FURTHER INFORMATION CONTACT: For further information about the
proposed revisions to the information collections discussed in this
notice, please contact any of the agency staff whose names appear
below. In addition, copies of the report forms for the Call Report can
be obtained at the FFIEC's website (<a href="https://www.ffiec.gov/resources/reporting-forms">https://www.ffiec.gov/resources/reporting-forms</a>).
OCC: Shaquita Merritt, Clearance Officer, (202) 649-5490, Chief
Counsel's Office, Office of the Comptroller of the Currency, 400 7th
Street SW, Washington, DC 20219. If you are deaf, hard of hearing, or
have a speech disability, please dial 7-1-1 to access
telecommunications relay services.
Board: Nuha Elmaghrabi, Federal Reserve Board Clearance Officer,
(202) 452-3884, Office of the Chief Data Officer, Board of Governors of
the Federal Reserve System, 20th and C Streets NW, Washington, DC
20551. Telecommunications Device for the Deaf (TDD) users may call
(202) 263-4869.
FDIC: Manuel E. Cabeza, Counsel, (202) 898-3767, Legal Division,
Federal Deposit Insurance Corporation, 550 17th Street NW, Washington,
DC 20429.
SUPPLEMENTARY INFORMATION:
I. Call Report
The agencies propose to extend for three years, with revision,
their information collections associated with the FFIEC 031, FFIEC 041,
and FFIEC 051 Call Report.
Report Title: Consolidated Reports of Condition and Income (Call
Report).
Form Number: FFIEC 031 (Consolidated Reports of Condition and
Income for a Bank with Domestic and Foreign Offices), FFIEC 041
(Consolidated Reports of Condition and Income for a Bank with Domestic
Offices Only), and FFIEC 051 (Consolidated Reports of Condition and
Income for a Bank with Domestic Offices Only and Total Assets Less Than
$5 Billion).
Frequency of Response: Quarterly.
Affected Public: Business or other for-profit.
OCC
OMB Control No.: 1557-0081.
Estimated Number of Respondents: 984 national banks and federal
savings associations.
Estimated Average Burden per Response: 41.36 burden hours per
quarter to file.
Estimated Total Annual Burden: 162,793 burden hours to file.
Board
OMB Control No.: 7100-0036.
Estimated Number of Respondents: 709 State member banks.
Estimated Average Burden per Response: 45.31 burden hours per
quarter to file.
Estimated Total Annual Burden: 128,499 burden hours to file.
FDIC
OMB Control No.: 3064-0052.
[[Page 30643]]
Estimated Number of Respondents: 2,825 insured State nonmember
banks and State savings associations.
Estimated Average Burden per Response: 39.17 burden hours per
quarter to file.
Estimated Total Annual Burden: 442,621 burden hours to file.
The estimated average burden hours collectively reflect the
estimates for the FFIEC 031, the FFIEC 041, and the FFIEC 051 reports
for each agency. When the estimates are calculated by type of report
across the agencies, the estimated average burden hours per quarter are
86.25 (FFIEC 031), 55.56 (FFIEC 041), and 34.99 (FFIEC 051). The
changes to the Call Report forms and instructions proposed in this
notice would result in an estimated increase in burden hours per
quarter for the FFIEC 031 of 0.13 hours. There would be no burden
change for the FFIEC 041 or FFIEC 051. The estimated burden per
response for the quarterly filings of the Call Report is an average
that varies by agency because of differences in the composition of the
institutions under each agency's supervision (for example, size
distribution of institutions, types of activities in which they are
engaged, and existence of foreign offices).
Type of Review: Extension and revision of currently approved
collections. In addition to the proposed revisions discussed below, the
Call Report is periodically updated to clarify instructional guidance
and correct grammatical and typographical errors on the forms and
instructions which are published on the FFIEC website.\1\ These non-
substantive updates may also be commented upon.
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\1\ <a href="https://www.ffiec.gov/resources/reporting-forms">https://www.ffiec.gov/resources/reporting-forms</a>.
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Legal Basis and Need for Collections
The Call Report information collections are mandatory: 12 U.S.C.
161 (national banks), 12 U.S.C. 324 (State member banks), 12 U.S.C.
1817 (insured State nonmember commercial and savings banks), and 12
U.S.C. 1464 (Federal and State savings associations). At present,
except for selected data items and text, these information collections
are not given confidential treatment.
Banks and savings associations submit Call Report data to the
agencies each quarter for the agencies' use in monitoring the
condition, performance, and risk profile of individual institutions and
the industry as a whole. Call Report data serve a regulatory or public
policy purpose by assisting the agencies in fulfilling their shared
missions of ensuring the safety and soundness of financial institutions
and the financial system and protecting consumer financial rights, as
well as agency-specific missions affecting federal and state-chartered
institutions, such as conducting monetary policy, ensuring financial
stability, and administering Federal deposit insurance. Call Reports
are the source of the most current statistical data available for
identifying areas of focus for on-site and off-site examinations. Among
other purposes, the agencies use Call Report data in evaluating
institutions' corporate applications, including interstate merger and
acquisition applications for which the agencies are required by law to
determine whether the resulting institution would control more than 10
percent of the total amount of deposits of insured depository
institutions in the United States. Call Report data also are used to
calculate the risk-based assessments for insured depository
institutions.
II. Current Actions
A. Background
On June 27, 2025, the agencies requested comment on a notice of
proposed rulemaking titled ``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; Total Loss-Absorbing Capacity and Long-Term
Debt Requirements for U.S. Global Systemically Important Bank Holding
Companies'' (capital proposal).\2\ The capital proposal would modify
the enhanced supplementary leverage ratio (eSLR) buffer standard
applicable to U.S. top-tier bank holding companies identified as global
systemically important bank holding companies (GSIBs), to equal 50
percent of the bank holding company's most recent method 1 GSIB
surcharge under the Board's GSIB surcharge framework, rather than the
current leverage buffer standard of two percent.\3\ The capital
proposal would also modify the eSLR standard for depository institution
subsidiaries of GSIBs from the current six percent ``well capitalized''
threshold under the prompt corrective action framework to an eSLR
buffer standard equal to 50 percent of the most recent bank holding
company GSIB's method 1 surcharge. In this notice, the agencies are
proposing revisions to the Call Report applicable to depository
institution subsidiaries of GSIBs consistent with the capital proposal.
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\2\ <a href="https://www.occ.gov/news-issuances/news-releases/2025/nr-ia-2025-59.html">https://www.occ.gov/news-issuances/news-releases/2025/nr-ia-2025-59.html</a>, <a href="https://www.federalreserve.gov/newsevents/pressreleases/bcreg20250627a.htm">https://www.federalreserve.gov/newsevents/pressreleases/bcreg20250627a.htm</a>, <a href="https://www.fdic.gov/news/financial-institution-letters/2025/notice-proposed-rulemaking-modifications-enhanced">https://www.fdic.gov/news/financial-institution-letters/2025/notice-proposed-rulemaking-modifications-enhanced</a>.
\3\ The Board's capital rule requires a U.S. GSIB to calculate
its GSIB risk-based surcharge in two ways, known as ``method 1'' and
``method 2,'' and apply the higher of the two results. See 12 CFR
217.402.
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Additionally, in the capital proposal, the Board sought comment on
an additional potential modification of excluding Treasury securities
that are reported as trading assets on the organizations' balance
sheets and that are held at broker-dealer subsidiaries (and foreign
equivalents thereof) that are not subsidiaries of a depository
institution from the calculation of total leverage exposure for
depository institution holding companies.
B. Call Report
For the FFIEC 031 version of the Call Report form, the agencies are
proposing to add two new line items to Schedule RC-R, Regulatory
Capital, Part I, Regulatory Capital Components and Ratios, to reflect
leverage buffer requirements, as applicable, under the capital
proposal. Specifically, the agencies would add new line items 56.a,
``Leverage buffer standard,'' and 56.b, ``Leverage buffer.'' These line
items would be reported only by respondents that are depository
institution subsidiaries of GSIBs. The agencies additionally would
revise the Call Report instructions consistent with the capital
proposal, including the additional criteria for a depository
institution subsidiary of a GSIB to report on Schedule RC-R, Part I,
line items 53, ``Eligible retained income,'' and 54, ``Distributions
and discretionary bonus payments during the quarter,'' based on the
depository institution's leverage buffer standard that would be
reported in item 56.a and leverage buffer that would be reported in
item 56.b.
III. Timing
The proposed revisions to the Call Report forms and instructions
are proposed to become effective with the first report date following
the effective date of the capital proposal, if finalized. In addition,
the agencies plan to revise the reporting changes proposed in this
notice to align with any changes made to any final version of the
capital proposal. The contents of any final version of the capital
proposal may inform the agencies as to whether they should propose
revisions to other FFIEC or Board report forms, such as the Regulatory
Capital Reporting for Institutions Subject to the Advanced Capital
Adequacy Framework (FFIEC 101).
[[Page 30644]]
The agencies invite comment on any difficulties that institutions
would expect to encounter in implementing the systems changes necessary
to accommodate the proposed revisions to the Call Report consistent
with this effective date.
IV. Request for Comment
Public comment is requested on all aspects of this joint notice.
Comment is specifically invited on:
(a) Whether the proposed revisions to the collections of
information that are the subject of this notice are necessary for the
proper performance of the agencies' functions, including whether the
information has practical utility;
(b) The accuracy of the agencies' estimates of the burden of the
information collections as they are proposed to be revised, including
the validity of the methodology and assumptions used;
(c) Ways to enhance the quality, utility, and clarity of the
information to be collected;
(d) Ways to minimize the burden of information collections on
respondents, including through the use of automated collection
techniques or other forms of information technology; and
(e) Estimates of capital or start-up costs and costs of operation,
maintenance, and purchase of services to provide information.
Comments submitted in response to this joint notice will be shared
among the agencies.
Dated: July 1, 2025.
Patrick T. Tierney,
Assistant Director, Office of the Comptroller of the Currency.
Benjamin W. McDonough,
Deputy Secretary and Ombuds of the Board.
Dated at Washington, DC, on July 2, 2025.
Federal Deposit Insurance Corporation
Jennifer M. Jones
Deputy Executive Secretary.
[FR Doc. 2025-12788 Filed 7-9-25; 8:45 am]
BILLING CODE 4810-33-6210-01-6714-01-P
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