On October 9, the FDIC, Fed, and OCC published final rules, required by section 165(i) of the Dodd-Frank Act, for annual company-run stress testing by covered institutions with total consolidated assets greater than $10 billion.  The final rule requires institutions with assets greater than $50 billion to begin annual stress testing this year.  The rule delays implementation for covered institutions with total consolidated assets between $10 billion and $50 billion until October 2013.  The FDIC also approved a final rule that refines the deposit insurance assessment system for insured depository institutions with more than $10 billion in assets. The final rule amends the definitions used to identify concentrations in higher-risk assets to better reflect the risk posed to institutions and the FDIC.  FDIC Release.  Fed Release.  OCC Release.