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Tuesday, June 12, 2012

Agencies Seek Comments on Regulatory Capital Rules

The OCC, Federal Reserve, and FDIC are seeking comment on three notices of proposed rulemaking (NPRs) that would revise and replace the agencies' current capital rules.

In the first proposal Basel III NPR, Regulatory Capital Rules: Regulatory Capital, Implementation of Basel III, Minimum Regulatory Capital Ratios, Capital Adequacy, and Transition Provisions, the agencies are proposing to revise risk-based and leverage capital requirements consistent with agreements reached by the Basel Committee on Banking Supervision and Section 171 of the Dodd-Frank Act.

This NPR would apply to all insured banks and savings associations, top-tier bank holding companies domiciled in the United States with more than $500 million in assets, and savings and loan holding companies that are domiciled in the US.

The second Basel III NPR, "Regulatory Capital Rules: Advanced Approaches Risk-based Capital Rules; Market Risk Capital Rule," would revise the advanced approaches risk-based capital rules consistent with the agreements of the Basel Committee and Sections 939A and 171 of the Dodd-Frank Act.

The OCC and FDIC have proposed this NPR apply to federal and state savings associations. The Federal Reserve has proposed this NPR apply to top-tier savings and loan holding companies domiciled in the US, if stated thresholds for trading activity are met.

The third capital NPR, "Regulatory Capital Rules: Standardized Approach for Risk-weighted Assets; Market Discipline and Disclosure Requirements," would revise and harmonize rules for calculating risk-weighted assets to enhance risk sensitivity and address weaknesses, including by incorporating aspects of the Basel II standardized framework, and alternatives to credit ratings, consistent with section 939A of the Dodd-Frank Act.

This NPR would apply to the same set of institutions as the first Basel III NPR.

Comments are due by September 7, 2012.

Read the first Basel III NPR.
Read the Advanced Approaches and Market Risk NPR.
Read the Standardized Approach NPR.

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