On November 1, the Office of the Comptroller of the Currency (OCC), the Board of Governors of the Federal Reserve (BGFRS) and the Federal Deposit Insurance Corporation (FDIC) collectively published a final rule revising the applicability of regulatory capital and standardized liquidity requirements for large U.S. banking organizations, U.S. holding companies of certain foreign banking organizations and certain depository institution subsidiaries. The new rule uses four risk-based categories to determine the applicability of the regulatory capital rule and liquidity coverage ratio requirements. OCC Bulletin.