Capital assessments and stress testing: quarterly report (FR Y-14Q)

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

Quarterly, as of the last calendar day of the quarter, with an exception for the Trading and Counterparty schedules, whose fourth-quarter as-of date is set separately as part of the global market shock exercise. Source

Deadline

Securities, PPNR, Retail, Operational Risk, Supplemental, Retail FVO/HFS, Regulatory Capital, Regulatory Capital Instruments, Balances and Wholesale Risk schedules: seven days after the FR Y-9C reporting schedule (47 calendar days after quarter-end for March, June and September; 52 calendar days after quarter-end for December). The fourth-quarter Trading and Counterparty regular/unstressed submission is due 52 calendar days after the notification date or March 15, whichever is earlier. Source

Format

Other. Filed through the Federal Reserve System's Reporting Central application (not requested in this file); the Board's Technical Instructions point to the Reporting Central User Guides on frbservices.org, which this file also did not request (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

• 12 U.S.C. 1844(b) and (c) (Bank Holding Company Act, section 5)
• 12 U.S.C. 5365 (Dodd-Frank Act, section 165, as amended by EGRRCPA)
• 12 U.S.C. 1467a (Home Owners' Loan Act, section 10)
• 12 U.S.C. 5311(a)(1) (Dodd-Frank Act, section 102)
• 12 U.S.C. 3106 (International Banking Act of 1978, section 8)

Group

Stress testing

Templates (57)

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

• Retail: International Auto Loan (A.1)
• Retail: US Auto Loan (A.2)
• Retail: International Credit Card (A.3)
• Retail: International Home Equity (A.4)
• Retail: International First Lien Mortgage (A.5)
• Retail: International Other Consumer Schedule (A.6)
• Retail: US Other Consumer (A.7)
• Retail: International Small Business (A.8)
• Retail: US Small Business (A.9)
• Retail: Student Loan (A.10)
• Securities 1 (main schedule) (B.1)
• Securities 2 (investment securities with designated accounting hedges) (B.2)
• Regulatory Capital and Subordinated Debt Instruments as of quarter end (C.1)
• Regulatory Capital and Subordinated Debt Instrument repurchases/redemptions during quarter (C.2)
• Regulatory Capital and Subordinated Debt Instrument issuances during quarter (C.3)
• Regulatory Capital (D)

57 schedules and sub-schedules (A.1 to M), read from the FR Y-14Q instructions' own table of contents. Source

Validation rules

No published validation rules were found for this return. No published, countable list of the Board's own data edit checks was found for the FR Y-14Q; the instructions require model validation documentation from the filer, which is not the same thing. Source

Public data

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

• Federal Reserve Board reporting form page: FR Y-14Q Capital Assessments and Stress Testing Reports (FR Y-14Q)

  Other · HTML · 22 September 2026

  Description, respondent panel, frequency and public-release text for this return; 'Last Update' date shown on the page.

• FR Y-14Q Capital Assessments and Stress Testing Reports (current form, ZIP of schedule PDFs)

  Template · ZIP · 2.1 MB

  11 files inside: annual and semi-annual attestations, Counterparty, FVO/HFS, PPNR, Regulatory Capital, Regulatory Capital Instruments, Securities, Supplemental, Trading and Balances forms. Retail, Wholesale Risk and Operational Risk schedules are not separate fillable PDFs in this ZIP; they are loan- or portfolio-level file submissions described in the instructions.

  SHA-256 c3ee5a350970show in fullhide

  c3ee5a350970df162f2936de8d2b9c5885b24c7ec26e9ffa9331c4fc34a882de
• FR Y-14Q Instructions for the Capital Assessments and Stress Testing Reports

  Instructions · PDF · 2.7 MB · 30 September 2026

  The instructions PDF's own header reads 'Modified September 30, 2026'.

  SHA-256 29bd3a812aaashow in fullhide

  29bd3a812aaab10ffc4848b3410037d1961be60ced0f468e6ea85ce31dd8f9ef
• Capital Assessments and Stress Testing Information Collection Q&As (FR Y-14 Q&As)

  Guidance · HTML · 16 April 2026

  Shared supplemental guidance for all three FR Y-14 reports (A, Q and M); linked from each of their report pages.

Sources

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

• federalreserve.gov/apps/reportingforms/Report/Index/FR_Y-14Q
• federalreserve.gov/apps/reportingforms/Download/DownloadAttachment?guid=6e93d22f-8c4d-434b-8236-93f29216776e
• federalreserve.gov/apps/reportingforms/Download/DownloadAttachment?guid=e19f2e85-cab1-48b7-a4f6-33d93bd4be12
• federalreserve.gov/supervisionreg/stress-tests-capital-planning.htm

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.