Fed to set bank stress capital buffers from the average of two years of stress tests
For large banks tested two years in a row, the Federal Reserve bases the stress loss part of the capital buffer on the average of the last two stress tests instead of one. Firms tested every other year generally keep single-test results, and the buffer's yearly start moves from October to January.
Who it affects
Large bank holding companies and other firms in Federal Reserve stress tests
When
The changes described here start on January 1, 2029.
- : Published in the Federal Register
- : The rule takes effect
- : First buffers take effect on the new yearly start
- : The changes described here start to apply
Official text
FR Doc. 2026-20246: Modifications to the Capital Plan Rule and Stress Capital Buffer Requirement
On Federal Register. The official text is what counts; read it before you act.
Not legal advice. Plain-English summaries to help you find what changes and when. Not legal advice: read the official text, and ask a lawyer about your situation.