12 CFR 46.1

§ 46.1 Authority and purpose.

United States · 12 CFR — Banks and Banking · Status: effective

Cite this

Citation: 12 CFR 46.1, § 46.1 Authority and purpose, United States, version 1 as recorded 2026-07-09, yourstate.us, https://yourstate.us/provision/43553
Permanent ID: ys:prov:43553@1
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Full text

(a) Authority. 12 U.S.C. 93a; 12 U.S.C. 1463(a)(2); 12 U.S.C. 5365(i)(2); 12 U.S.C. 5412(b)(2)(B). (b) Purpose. This part implements 12 U.S.C. 5365(i)(2), which requires a national bank or Federal savings association with total consolidated assets of more than $10 billion to conduct an annual stress test and establishes a definition of stress test, methodologies for conducting stress tests, and reporting and disclosure requirements.

Legislative history

This is a federal regulation, adopted through agency rulemaking under the Administrative Procedure Act — not enacted by a recorded vote of Congress.