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ABA: The American Bankers Association
Issue

Capital Requirements

Prioritizing Safety in Bank Capital Requirements

ABA Position

Ensuring that the banking sector has adequate levels of high-quality capital is key to the safety and soundness of the banking system and economy as a whole. Fortunately, the U.S. banking industry is exceedingly well capitalized, as regulators have stated and stress tests have demonstrated.

 

ABA shares the goal of a safe, sound and resilient banking system, but any proposed capital standards must adequately consider the negative repercussions from forcing banks to hold more capital than is needed to maintain safety and soundness. Regulation, including capital requirements, should be tailored to a bank’s risk and business model, and asking banks to hold more capital than necessary carries real costs for everyday Americans.

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Our Experts

Hugh Carney

Hugh Carney

Senior Vice President, Prudential Regulation & Asset Management

Regulatory Policy

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Hu Benton

Hu Benton

Senior Vice President & Policy Counsel

Regulatory Policy

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Josh Britton

(202) 663-7553

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