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In forceStress testingLast checked 13 November 2026

Capital assessments and stress testing: annual report (FR Y-14A)

A regulatory return listed by the Board of Governors of the Federal Reserve System (Federal Reserve Board), United States.

Collects quantitative projections, from BHCs, IHCs and SLHCs, of their income, losses, capital and balance sheet assets and liabilities under the supervisory scenarios and under macroeconomic scenarios they define themselves, together with qualitative information on how each firm builds its internal capital projections. The data support the Federal Reserve's supervisory stress test and its continuous monitoring of large firms' capital adequacy, under the Dodd-Frank Act. Source

Official title: Capital Assessments and Stress Testing Reports (FR Y-14A)

The facts

Who files
U.S. bank holding companies (BHCs), U.S. intermediate holding companies (IHCs) of foreign banking organizations, and covered savings and loan holding companies (SLHCs) with $100 billion or more in total consolidated assets, based on the average of the firm's total consolidated assets over the four most recent quarters reported on its FR Y-9C (or the most recent consecutive quarters available, if fewer than four FR Y-9Cs have been filed). Participation is mandatory. Source
How often
Annual: most schedules are as of December 31 each year; the Summary schedule's Trading and Counterparty worksheets use a separately notified as-of date. Source
Deadline
Data are due April 5 of the following year. The Board notifies firms at least 14 calendar days in advance of any date on which it expects an adjusted summary-schedule (capital actions) submission. A date that falls on a weekend or holiday moves to the next business day; no other extensions are granted. Source
Format
Other. Filed through the Federal Reserve System's Reporting Central application (not requested in this file, as it is a login system); the Board's Technical Instructions point to the Reporting Central User Guides on frbservices.org, which this file also did not request (its terms of use forbid reproduction without consent; see gaps). Source
How it is filed
Filing routes recorded for the Federal Reserve Board: Reporting Central; Structure Central. See how firms file with the Federal Reserve Board.
Status
In force
Legal basis
Group
Stress testing

Templates (16)

The tables and forms inside the return. Plain name first, the Federal Reserve Board's code in brackets.

  • Summary: Income Statement, Balance Sheet, and Capital (A.1)
  • Summary: Retail (A.2)
  • Summary: AFS/HTM Securities (A.3)
  • Summary: Trading (A.4)
  • Summary: Counterparty Credit Risk (CCR) (A.5)
  • Summary: BHC, IHC or SLHC Operational Risk Scenario Inputs and Projections (A.6)
  • Summary: Pre-Provision Net Revenue (PPNR) (A.7)
  • Scenario (B)
  • Regulatory Capital Instruments (C)
  • Regulatory Capital Transitions (discontinued sub-schedule) (D)
  • Operational Risk: BHC, SLHC or IHC Legal Reserves Reporting (E.1)
  • Operational Risk: Material Risk Identification (E.2)
  • Operational Risk: Operational Risk Scenarios (E.3)
  • Business Plan Changes: Material Business Plan Changes (F.1)
  • Business Plan Changes: Pro Forma Combining Balance Sheet for Mergers and Material Acquisitions (F.2)
  • Collection of Supplemental CECL Information (CECL)

16 schedules and sub-schedules, read from the FR Y-14A instructions' own table of contents (a further level of sub-sub-schedules, such as A.1.a Income Statement, exists beneath Schedule A but is not listed item by item here). Source

Validation rules

No published validation rules were found for this return. The instructions require firms to document their own model validation (for example under SR Letters 15-18 and 15-19) but this file found no published, countable list of the Board's own data edit checks for the FR Y-14A. Source

Public data

Published firm by firm. The Federal Reserve conducts the supervisory stress test annually and publicly discloses bank-level results (the Dodd-Frank Act Stress Test); results and scenarios are posted on the Board's stress-testing pages. Source

Where it is published

  • Dodd-Frank Act Stress Test / Capital Plan results

    Firm by firm · Web pages and PDF summary reports, published annually.

    The Federal Reserve's annual supervisory stress test and capital-plan review, publicly disclosing bank-level results (for example projected capital ratios under stress) drawn in part from the FR Y-14A, FR Y-14Q and FR Y-14M data each firm files. Source

Official documents (4)

The Federal Reserve Board's own files, with the size and SHA-256 fingerprint of each as downloaded on 13 November 2026, so anyone can tell whether a copy is the same version.

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's own text, and the way Line4 has collected and arranged these records, are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The facts themselves belong to no one. The regulators' document titles, template names, quoted terms and documents belong to them and are not covered by this licence: see Federal Reserve Board's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text. Not affiliated with or endorsed by any regulator.

Source: Board of Governors of the Federal Reserve System, https://www.federalreserve.gov. Documents are linked on the regulator's own site, not hosted here. The plain-English summaries are Line4's own; the Board does not endorse this library.

Last checked 13 November 2026.