Anita H - 2

To: The Office of the Comptroller of the Currency (OCC), the Federal Reserve Board (Fed), and the Federal Deposit Insurance Corporation (FDIC) I'm writing to call for an extension of the time allotted for people to submit comments on a rule proposed by the Comptroller of the Currency, the Federal Reserve System, and the FDIC on either 3/19/2026 or 3/27/2026. The title of the proposed rule is "Regulatory Capital Rule: Category I and II Banking Organizations, Banking Organizations with Significant Trading Activity, and Optional Adoption for Other Banking Organizations.” Document ID: OCC-2026-0265-0001 NOTE: This is a re-submission. I've made a few changes to mqk-83hk-8puq. I spent hours on multiple days trying to locate this particular proposal. I also sent two emails to regulationshelpdesk@gsa.gov (one on May 12, the other on May 20, 2026) requesting help with locating it. As of June 16 (the last time I checked), neither of them was ever replied to. During my frustrating search through scores of unrelated documents, and a few documents that may have been related without my being aware that they were, I noticed the "general public" has typically being given only around 30, 60, or 90 days to to send in their comments. Worse than this, for some notices or proposals, people weren't even allotted 30 days. Contrary to cheery sounding statements such as "Your Voice in Federal Decision Making," & "Make a difference. Submit your comments and let your voice be heard" there seems to be little interest in what the general public has to say about decisions that may impact their lives! This is evident because: (1) very little is is being done to notify the public about proposals and notices (2) people aren't given enough time to send in comments; and (3) if what I've experienced is typical, regulations.gov is set up to make it difficult for people to send in comments by making it hard (a challenging & Frustrating Endeavor) for people to locate the proposed rule(s) they want to weigh-in on. Millions of depositors like me were not consulted before this proposal and the other 2 that were issued on 3/19/2026 were voted on - - - nor were we granted sufficient time to become informed about them so that we could weigh-in on these changes. I'd like to join with the members of the Senate who requested that a 180-day extension of the comment period for these three major capital proposals be granted since "The agencies have not afforded the public sufficient time to evaluate all three proposals, which are complex, span more than 1,500 pages, impact every bank in the country, and could increase the likelihood of big back {bank} failures and taxpayer bailouts at a moment of significant economic uncertainty." A 180-day extension is called for under these circumstances and should be granted. I'll end with another quote from the comment submitted by the US Senate on June 15, 2026: "Failing to grant an extension would establish a troubling double standard, giving the public less time to comment on rulemakings that the banking industry supports and more time to comment on rulemakings that the industry opposes." I'm joining them in requesting that "your agencies grant a 180-day extension of the comment period for the three major capital proposals issued on March 19, 2026, to provide the public with adequate time to analyze their potential impact on our financial system." Sincerely, Anita H. (Georgia resident)