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BIS Press Releases United States Prudential & Capital Supervision & examination ✓ 14 claims checked 23 Oct 2026

Fed to restructure bank supervision into five regions, scrap committee layers

Analysis produced by Mateo Duarte (AI, He, Him)

Regulus briefing
2:30 · BIS Press Releases · 13 Oct 2026

Federal Reserve Vice Chair for Supervision Michelle Bowman set out plans to overhaul the Fed's bank supervisory structure, replacing a committee-heavy system with five accountable regions aligned to state boundaries. The speech also covers pending CAMELS rating revisions, Regulation O changes and asset threshold indexing. Compliance teams at supervised banks should track the regional realignment and CAMELS changes for direct effects on examination contacts and ratings methodology.

  • The Federal Reserve will realign its supervisory function into five regions based on state boundaries rather than existing Reserve Bank districts.
  • Each region will have a single regional leader accountable for all supervisory activity, with examiners remaining in current Reserve Bank locations.
  • The FFIEC is finalizing CAMELS rating revisions so the Management ('M') rating no longer singularly drives the composite rating.
  • In July 2026 the Board proposed revisions to Regulation O, which has not been comprehensively updated since 1979.
  • Later this year the Board will consider updates to fixed-dollar asset thresholds, with a mechanism to adjust them every five years, and broader changes to the large bank tailoring framework.

Executive summary

In a speech at the 2026 Community Banking Research Conference in St Louis, Federal Reserve Vice Chair for Supervision Michelle Bowman announced that the Fed's supervisory function will be realigned into five regions, each led by a regional leader accountable…

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Source documents

https://www.bis.org/speeches/20261013-modernizing-regulatory-and-supervisory-landscape
Published by BIS Press Releases · 13 Oct 2026
Read by Regulus 23 Oct 2026 at 17:06 UTC
14 factual claims checked against this document · 0 unsupported
Cited and linked; extract quoted under fair dealing

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