Major

Chair

Acting Federal Deposit Insurance Corporation (FDIC) Chair Travis Hill <a href="https://docs.house.gov/meetings/BA/BA00/20251202/118708/HHRG-119-BA00-Wstate-HillT-20251202.pdf" target="_blank" rel="noopener noreferrer nofollow">detailed</a> a broad package of supervisory, regulatory, and digital-asset reforms during testimony before the House Financial Services Committee, emphasizing a shift toward risk-focused oversight and modernized capital requirements.
Hill said the FDIC has spent the past ten months moving away from process-driven supervision and toward examinations centered on “core, material financial risks.”&nbsp;
Among the biggest changes is an interagency proposal with the Office of the Comptroller of the Currency (OCC) to formally define “unsafe or unsound” banking practices, thereby creating uniform standards for supervisory concerns.&nbsp;
The agency is also finalizing the creation of an independent Office of Supervisory Appeals to handle disputes over material supervisory determinations.
Major reforms are underway across examination procedures. The FDIC is simplifying documentation requirements, streamlining specialty reviews, and reducing the frequency of consumer compliance examinations for smaller institutions with strong ratings.&nbsp;
At the same time, large bank resolution planning is being reworked to prioritize real-world sale and bidding processes over hypothetical scenarios.
Capital requirements are another central focus. Hill highlighted finalized changes to the enhanced supplementary leverage ratio (eSLR) and proposed adjustments to the community bank leverage ratio (CBLR), as well as ongoing work to implement updated Basel standards.
Digital assets represent one of the most closely watched sections of Hill’s testimony.
He confirmed the FDIC will propose its first rule under the newly enacted GENIUS Act later this month, establishing a framework for licensing banks permitted to issue payment <a href="https://hash.media/hashdesk/korea-nears-stablecoin-bill-as-banks-weigh-in-on-consortium-plan/" target="_blank" rel="noopener noreferrer nofollow">stablecoins</a>. Prudential requirements for stablecoin issuers will follow early next year, including standards for reserves, liquidity, and diversification.
Hill said the FDIC’s overarching goal is a “safe, sound, and resilient banking system” while simultaneously expanding innovation, efficiency, and access to financial services.
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FDIC chair outlines new supervision reforms and stablecoin rules

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