BANK LIAISON

Regulation O Calculator

Understanding Regulation O

Regulation O was established by the Federal Reserve to prevent preferential lending and conflicts of interest involving bank executive officers, directors, principal shareholders, and their related interests. It requires insider loans to be made on substantially the same terms as comparable loans to other borrowers. Individual insider lending is generally limited to 15% of bank capital, plus an additional 10% for qualifying secured loans. Prior board approval is generally required when aggregate credit exceeds the greater of $25,000 or 5% of capital, with a maximum approval trigger of $500,000. Executive officers face additional lending restrictions. The Federal Reserve’s 2026 proposal would increase several thresholds, including the $500,000 board-approval ceiling to $2 million, subject to capital-based limits.

Current Regulation O · GovRegs2026 Proposed Amendments · Federal Reserve

Verify capital, loan balances, and applicable rules before relying on results. Initial figures are illustrative; proposed calculations remain placeholders, not the linked 2026 proposal. This is not compliance advice.

Bank Information

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Live lookup · FDIC BankFind Suite · latest four reporting quarters

Four-quarter capital history · USD
Reporting quarterReg O capital base5% of capital
Search an RSSD number to load FDIC data.

Uses the most recent quarter automatically.

Insider Information

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Loan Information

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Replace the illustrative loan amounts with actual balances. Individual insider loan balances are not available through public Call Report data.

Bank-Wide Insider Lending Limit

Enter the existing aggregate before this proposed loan. The proposed new credit is added once; individual and related-interest balances are not added again.

Bank-wide aggregate limit · 100% of capital
Unavailable
Total bank-wide insider exposure after proposed loan
—
Remaining lending capacity
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Retrieve a bank with complete latest-quarter capital data. No bank-wide determination is shown.

General-limit illustration only, not a compliance determination. Current and Proposed use the same inputs and general 100% limit.

Calculation Results

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Calculation basis · Illustrative capital — enter RSSD to replace

$1,000,000

Verify inputs

Current Regulation O

Illustrative current-rule assumptions

Total insider + related credit
$17,000
Board approval threshold
$50,000

12 CFR 215.4(b)(2): prior approval when aggregate credit exceeds the higher of $25,000 or 5% of capital, and in all cases when it exceeds $500,000.

Not above sample approval threshold

Individual insider lending limit
$150,000

Sample: 15% capital base. Includes related-interest credit in this illustration.

Executive officer restrictions

Other-purpose limit
$25,000

Sample: greater of $25,000 or 2.5% of capital, capped at $100,000. Other-purpose exposure: $6,000.

Compliance review summary

Unverified — capital basis is manual, edited, or incomplete FDIC data. Indicators below are not a determination.

  • Credit is within the sample board threshold.
  • Credit is within the sample individual limit.
  • Other-purpose credit is within the sample executive limit.

Not a compliance determination. Aggregate insider limits, terms, attribution, exceptions, and approvals are not fully evaluated.

Proposed Regulation O

Placeholder values · not an actual proposal

Total insider + related credit
$17,000
Board approval thresholdDifferent
$100,000

Placeholder: greater of $50,000 or 10% of capital, capped at $1,000,000.

Not above sample approval threshold

Individual insider lending limitDifferent
$200,000

Placeholder: 20% capital base. Includes related-interest credit in this illustration.

Executive officer restrictions

Other-purpose limitDifferent
$50,000

Placeholder: greater of $50,000 or 5% of capital, capped at $200,000. Other-purpose exposure: $6,000.

Compliance review summary

Unverified — capital basis is manual, edited, or incomplete FDIC data. Indicators below are not a determination.

  • Credit is within the sample board threshold.
  • Credit is within the sample individual limit.
  • Other-purpose credit is within the sample executive limit.

Not a compliance determination. Aggregate insider limits, terms, attribution, exceptions, and approvals are not fully evaluated.

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