Unsafe or Unsound Practices, Matters Requiring Attention

Published

Sep 1, 2026

Effective

Nov 2, 2026

Citation

91 FR 56004

Docket

Docket ID OCC-2026-0174

Agencies

DEPARTMENT OF THE TREASURY, Office of the Comptroller of the Currency, FEDERAL DEPOSIT INSURANCE CORPORATION

Final rule.

Summary

The rule establishes a clear definition of “unsafe or unsound practice” for banks and other insured institutions and updates the way the OCC and FDIC issue supervisory notices, such as “matters requiring attention.” By standardizing this language, the agencies aim to improve consistency in how they identify, communicate, and address problems that could threaten a bank’s safety, its customers, or the insurance fund. The Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation issued the final rule. It applies to all national banks, federal savings associations, and state‑chartered banks that are members of the FDIC system—essentially any depository institution that the OCC or FDIC supervises. The rule was published in the Federal Register on September 1, 2026 (91 FR 56004) and becomes effective on November 2, 2026. The public comment period closed before the September publication, so no further comments will be accepted. After the effective date, the OCC and FDIC will begin using the new definition and revised supervisory framework in their examinations and communications with covered banks. Institutions are expected to incorporate the changes into their compliance and risk‑management processes and may receive guidance or follow‑up reviews as the agencies roll out the new procedures.

AI-generated summary — verify against the Federal Register text.

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