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ARTICLE · 25 MARCH 2026

US Banking Regulators Propose Reforms To Capital Requirements

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On March 19, 2026, US federal banking regulators issued proposals.

United StatesFinance and Banking
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Matthew Bisanz
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Jeffrey Taft
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Angela M. Ulum
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Tameem A. Zainulbhai
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Miller Smith
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On March 19, 2026, US federal banking regulators issued proposals to: (i) significantly revise the risk-based regulatory capital requirements for Category I and II banking organizations1 (the “Basel III Proposal”); (ii) change the risk weights that other banking organizations apply to credit exposures (the “Standardized Approach Proposal”); and (iii) change the method for calculating the capital surcharge for globally systemically important banking organizations (“G-SIBs”) (the “G-SIB Surcharge Proposal”, and collectively with the Basel III Proposal and the Standardized Approach Proposal, the “Proposals”).2

The Proposals are intended to be the final phase of the financial regulatory reforms undertaken by the Basel Committee on Banking Supervision (“BCBS”) in response to the Global Financial Crisis (“GFC”). In 2023, US federal banking regulators issued a proposal to implement Basel III that significantly differed from the internationally agreed-upon BCBS framework and would have

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