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In forceStress testingLast checked 13 November 2026

Capital assessments and stress testing: monthly report (FR Y-14M)

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

Collects monthly, loan- and portfolio-level detail on BHCs', IHCs' and SLHCs' domestic first-lien 1-4 family residential, home equity and credit card loan portfolios, plus an address-matching collection, to support the same supervisory stress test and continuous risk monitoring as the FR Y-14A/Q, with more timely data. Source

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

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
Monthly, as of the last business day of each calendar month. Source
Deadline
30 calendar days after the last business day of the preceding calendar month. New reporters get an onboarding delay: the initial deadline is 90 days after the end of the reporting month that matches the quarter of their first FR Y-14Q filing, with all intervening months' data due at once. Source
Format
Other. Filed through the Federal Reserve System's Reporting Central application (not requested in this file); no specific file format is stated beyond the data-dictionary field layout in the instructions. 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 (7)

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

  • Domestic First Lien Closed-end 1-4 Family Residential Loan: Loan Level Table (A.1)
  • Domestic First Lien Closed-end 1-4 Family Residential Loan: Portfolio Level Table (A.2)
  • Domestic Home Equity Loan and Home Equity Line: Loan/Line Level Table (B.1)
  • Domestic Home Equity Loan and Home Equity Line: Portfolio Level Table (B.2)
  • Address Matching: Data Table (C.1)
  • Domestic Credit Card: Loan Level Table (D.1)
  • Domestic Credit Card: Portfolio Level Table (D.2)

7 loan-level and portfolio-level tables across 4 lettered schedules (A to D), read from the FR Y-14M instructions' own table of contents. Source

Validation rules

No published validation rules were found for this return. The instructions are a data dictionary (line item, MDRM code, detailed description, allowed values, format) but do not publish a separate, countable list of cross-field edit checks. Source

Public data

Published firm by firm. As for the FR Y-14A/Q: the Federal Reserve publicly discloses bank-level stress test results drawn in part from the FR Y-14M. 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 (3)

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.