We have four such groups: (1) community banking organizations, which are generally those with $ billion or less in total assets; (2) regional banking organizations, which have total assets between $ billion and $ billion; (3) large banking organizations, which have total assets over $ billion but are not among the largest and most complex banking organizations; and (4) firms overseen by the Large Institution Supervision Coordinating Committee (LISCC), which are the largest and most complex banking organizations.1 As with tiered regulation, our tiered supervision is intended to take into account differences in business models, risks, relative regulatory burdens, and other salient considerations.
Where specific regulatory goals for the different portfolios vary, the supervisory programs reflect those differences. And even where the goals are similar across portfolios, supervisory programs should nevertheless take account of the differences among the firms in the four portfolios.