Notice2025-20752
Agency Information Collection Activities: Information Collection Renewal; Comment Request; Stress Testing Rules for National Banks and Federal Savings Associations
Primary source
Metadata and text below are from the Federal Register, a public-domain U.S. government work. Always verify the official published version before relying on it for any legal matter.
Published
November 24, 2025
Issuing agencies
Treasury DepartmentComptroller of the Currency
Abstract
The OCC, as part of its continuing effort to reduce paperwork and respondent burden, invites comment on a continuing information collection, as required by the Paperwork Reduction Act of 1995 (PRA). In accordance with the requirements of the PRA, the OCC 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 OCC is soliciting comment concerning the renewal of its information collection titled, "Stress Testing Rules for National Banks and Federal Savings Associations."
Full Text
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<title>Federal Register, Volume 90 Issue 224 (Monday, November 24, 2025)</title>
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[Federal Register Volume 90, Number 224 (Monday, November 24, 2025)]
[Notices]
[Pages 53059-53060]
From the Federal Register Online via the Government Publishing Office [<a href="http://www.gpo.gov">www.gpo.gov</a>]
[FR Doc No: 2025-20752]
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DEPARTMENT OF THE TREASURY
Office of the Comptroller of the Currency
Agency Information Collection Activities: Information Collection
Renewal; Comment Request; Stress Testing Rules for National Banks and
Federal Savings Associations
AGENCY: Office of the Comptroller of the Currency (OCC), Treasury.
ACTION: Notice and request for comment.
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SUMMARY: The OCC, as part of its continuing effort to reduce paperwork
and respondent burden, invites comment on a continuing information
collection, as required by the Paperwork Reduction Act of 1995 (PRA).
In accordance with the requirements of the PRA, the OCC 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 OCC is soliciting
comment concerning the renewal of its information collection titled,
``Stress Testing Rules for National Banks and Federal Savings
Associations.''
DATES: Comments must be received by January 23, 2026.
ADDRESSES: Commenters are encouraged to submit comments by email, if
possible. You may submit comments by any of the following methods:
<bullet> Email: <a href="/cdn-cgi/l/email-protection#651517040c0b030a250a06064b11170004164b020a13"><span class="__cf_email__" data-cfemail="c9b9bba8a0a7afa689a6aaaae7bdbbaca8bae7aea6bf">[email protected]</span></a>.
<bullet> Mail: Chief Counsel's Office, Attention: Comment
Processing, Office of the Comptroller of the Currency, Attention: 1557-
0343, 400 7th Street SW, Suite 3E-218, Washington, DC 20219.
[[Page 53060]]
<bullet> Hand Delivery/Courier: 400 7th Street SW, Suite 3E-218,
Washington, DC 20219.
<bullet> Fax: (571) 293-4835.
Instructions: You must include ``OCC'' as the agency name and
``1557-0343'' 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.
Following the close of this notice's 60-day comment period, the OCC
will publish a second notice with a 30-day comment period. 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 method set forth in the next
bullet.
<bullet> Viewing Comments Electronically: Go to <a href="http://www.reginfo.gov">www.reginfo.gov</a>.
Hover over the ``Information Collection Review'' tab and click on
``Information Collection Review'' from the drop-down menu. From the
``Currently under Review'' drop-down menu, select ``Department of the
Treasury'' and then click ``submit.'' This information collection can
be located by searching OMB control number ``1557-0343'' or ``Stress
Testing Rules for National Banks and Federal Savings Associations.''
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.
FOR FURTHER INFORMATION CONTACT: 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.
SUPPLEMENTARY INFORMATION: Under the PRA (44 U.S.C. 3501 et seq.),
Federal agencies must obtain approval from the OMB for each collection
of information that they conduct or sponsor. ``Collection of
information'' is defined in 44 U.S.C. 3502(3) and 5 CFR 1320.3(c) to
include agency requests or requirements, imposed on ten or more
persons, that members of the public submit reports, keep records, or
provide information to a third party. Section 3506(c)(2)(A) of title 44
generally requires Federal agencies to provide a 60-day notice in the
Federal Register concerning each proposed collection of information,
including each proposed extension of an existing collection of
information, before submitting the collection to OMB for approval. To
comply with this requirement, the OCC is publishing notice of the
renewal of this collection.
Title: Stress Testing Rules for National Banks and Federal Savings
Associations.
OMB Control No.: 1557-0343.
Type of Review: Regular.
Affected Public: Businesses or other for-profit.
Description: The Annual Stress Test rule \1\ implemented Section
165(i) of the Dodd-Frank Wall Street Reform and Consumer Protection Act
\2\ (``Dodd-Frank Act'') which requires certain companies to conduct
stress tests. As enacted by the Dodd-Frank Act, national banks and
Federal savings associations with total consolidated assets of more
than $10 billion were required to conduct annual stress tests and
comply with reporting and disclosure requirements under the rule. The
reporting templates for institutions with total consolidated assets of
over $50 billion were finalized in 2012.\3\
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\1\ 77 FR 61238 (October 9, 2012) (codified at 12 CFR part 46).
\2\ Dodd-Frank Wall Street Reform and Consumer Protection Act,
Public Law 111-203, 124 Stat. 1376 (2010).
\3\ 77 FR 49485 (August 16, 2012); 77 FR 66663 (November 6,
2012).
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Section 165(i)(2) of the Dodd-Frank Act requires certain financial
companies, including national banks and Federal savings associations,
to conduct annual stress tests \4\ and requires the primary financial
regulatory agency \5\ of those financial companies to issue regulations
implementing the stress test requirements.\6\
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\4\ 12 U.S.C. 5365(i)(2)(A).
\5\ 12 U.S.C. 5301 (12).
\6\ 12 U.S.C. 5365(i)(2)(C).
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Under section 165(i)(2), a covered institution was required to
submit to the Board of Governors of the Federal Reserve System (Board)
and to its primary financial regulatory agency a report at such time,
in such form, and containing such information as the primary financial
regulatory agency may require.\7\
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\7\ 12 U.S.C. 5365(i)(2)(B).
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The Economic Growth, Regulatory Relief, and Consumer Protection Act
(EGRRCPA), enacted on May 24, 2018, amended certain aspects of the
company-run stress testing requirement in section 165(i)(2) of the
Dodd-Frank Act.\8\ Specifically, section 401 of EGRRCPA raises the
minimum asset threshold for financial companies covered by the company-
run stress testing requirement from $10 billion to $250 billion in
total consolidated assets; revises the requirement for banks to conduct
stress tests ``annually'' and instead requires them to conduct stress
tests ``periodically''; and no longer requires the OCC to provide an
``adverse'' stress-testing scenario, thus reducing the number of
required stress test scenarios from three to two.
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\8\ Public Law 115-174, 132 Stat. 1296-1368 (2018).
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Estimated Burden
Estimated Frequency of Response: On occasion.
Estimated Number of Respondents: 9 (biennial testing: 5; annual
testing: 4).
Estimated Total Annual Responses: 27 responses.
Estimated Total Annual Burden: 6,760 hours.
Comments submitted in response to this notice will be summarized
and included in the request for OMB approval. All comments will become
a matter of public record. Comments are invited on:
(a) Whether the collection of information is necessary for the
proper performance of the functions of the OCC, including whether the
information has practical utility;
(b) The accuracy of the OCC's estimate of the burden of the
collection of information;
(c) Ways to enhance the quality, utility, and clarity of the
information to be collected;
(d) Ways to minimize the burden of the collection 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.
Carl Kaminski,
Assistant Director, Office of the Comptroller of the Currency.
[FR Doc. 2025-20752 Filed 11-21-25; 8:45 am]
BILLING CODE 4810-33-P
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