StacksVerified U.S. regulatory reference

12 CFR §324.162

Verified against eCFR.gov as of June 20, 2026View official text on eCFR.gov
  1. (a)If an FDIC-supervised institution does not qualify to use or does not have qualifying operational risk mitigants, the FDIC-supervised institution's dollar risk-based capital requirement for operational risk is its operational risk exposure minus eligible operational risk offsets (if any).
  2. (b)If an FDIC-supervised institution qualifies to use operational risk mitigants and has qualifying operational risk mitigants, the FDIC-supervised institution's dollar risk-based capital requirement for operational risk is the greater of:
    1. (1)The FDIC-supervised institution's operational risk exposure adjusted for qualifying operational risk mitigants minus eligible operational risk offsets (if any); or
    2. (2)0.8 multiplied by the difference between:
      1. (i)The FDIC-supervised institution's operational risk exposure; and
      2. (ii)Eligible operational risk offsets (if any).
  3. (c)The FDIC-supervised institution's risk-weighted asset amount for operational risk equals the FDIC-supervised institution's dollar risk-based capital requirement for operational risk determined under sections 162(a) or (b) multiplied by 12.5.