Jump to Content
ABA: The American Bankers Association

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.

Show MoreShow Less

Related Training & Events

  • ABA Experts Webinar: What You Need to Know about the CRA Final Rule

    Recorded Webinar | November 3, 2023

    The federal banking agencies have finalized the long-awaited overhaul of regulations that implement the Community Reinvestment Act. The new rule aims to reflect the digital delivery of financial products and services and enhance economic opportunity for low-and moderate-income individuals and communities. It also has strategic implications for banks that may affect your growth strategy and expansion into new markets.

  • How Will S.2155 Offer Community Banks Relief from Basel III?

    Recorded Webinar | June 22, 2018

    In free member webinar, ABA issue experts discuss how S. 2155 aims to relieve highly capitalized community banks from Basel III’s complex capital requirements.

Our Experts

Hugh Carney

Hugh Carney

Senior Vice President, Prudential Regulation & Asset Management

Regulatory Policy

Contact Hugh
Hu Benton

Hu Benton

Senior Vice President & Policy Counsel

Regulatory Policy

Contact Hu

Press Contact

Josh Britton

(202) 663-7553

Contact Josh

Stay Connected

Risk, Compliance & Financial Crimes Email Bulletin

A weekly information resource with ABA news, analysis and resources, specifically selected to meet readers’ unique content needs. (Bank members only)

Compliance Network

The ABA Compliance Network is a members only online forum facilitating discussion of compliance topics and providing opportunity for professional interaction.