Regulatory Alerts2026-03-19
Agencies request comment on proposals to modernize the regulatory capital framework and maintain banking system strength
The FDIC, Federal Reserve Board, and OCC have issued three proposals to modernize the regulatory capital framework for U.S. banks by streamlining requirements, enhancing risk sensitivity, and implementing final Basel III components. The measures adjust capital calculations for large internationally active banks, align traditional lending and mortgage requirements with underlying risk, and refine systemic risk measurement for complex institutions. While overall capital levels may modestly decrease, they will remain substantially above pre-crisis thresholds, with public comments due by June 18, 2026.
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