{"data":{"id":"us/12-cfr-46.1","jurisdiction":"us","citation":"12 CFR 46.1","heading":"Authority and purpose.","body":"(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).\n(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.","path":["Title 12—Banks and Banking","CHAPTER I—COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY","PART 46—STRESS TESTING"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-12.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:24:16Z","sha256":"4d5fb9d0f63748a50ecad2dceb1b7587a9d2834334bc2317f50613b16aedbb47","source_id":"us-cfr","stale":true,"prev":"us/12-cfr-appendix-b-to-part-45","next":"us/12-cfr-46.2"},"notice":"GroundRules: Original legal text. Not legal advice."}