The Harvard Law School Forum on Corporate Governance https://corpgov.law.harvard.edu The leading online blog in the fields of corporate governance and financial regulation. Mon, 20 Jul 2026 20:07:07 +0000 en-US hourly 1 https://wordpress.org/?v=6.5.8 https://corpgov.law.harvard.edu/wp-content/uploads/2024/02/cropped-photography-4-e1706898544564-1-32x32.png Final Rules from the Federal Banking Agencies – The Harvard Law School Forum on Corporate Governance https://corpgov.law.harvard.edu 32 32 Final Rules from the Federal Banking Agencies https://corpgov.law.harvard.edu/2012/11/11/final-rules-from-the-federal-banking-agencies/?utm_source=rss&utm_medium=rss&utm_campaign=final-rules-from-the-federal-banking-agencies https://corpgov.law.harvard.edu/2012/11/11/final-rules-from-the-federal-banking-agencies/#comments Sun, 11 Nov 2012 14:59:23 +0000 http://blogs.law.harvard.edu/corpgov/?p=35965?d=20150113135116EST Posted by Dwight C. Smith, Morrison & Foerster LLP, on Sunday, November 11, 2012
Editor's Note:

The following post comes to us from Dwight Smith, partner focusing on bank regulatory matters at Morrison & Foerster LLP, and is based on a Morrison & Foerster memorandum by Mr. Smith and Charles Horn.

On October 19, 2012, the Office of the Comptroller of the Currency (“OCC”), the Federal Deposit Insurance Corporation (“FDIC”) and the Federal Reserve Board (“Board”) approved final rules, which were proposed for comment in January of this year, [1] implementing the Dodd-Frank Act’s company-run stress testing requirements for all insured depository institutions with total consolidated assets of $10 billion or more. [2] In addition, the Board has simultaneously published final stress-testing rules, covering the Dodd-Frank Act’s requirements for Board-run and
company-run stress-testing requirements for banking organizations with more than $50 billion in total consolidated assets. [3]

Most of the changes between the proposed rules and the final rules involve the procedures and timelines, rather than the substance, of the required stress-testing. Highlights of the regulatory actions include:

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