Large Bank Examination Workshop February 2026

Current Status

• U.S. bank regulators are re-evaluating the original Basel III endgame proposal following industry pushback, delays, and a change in political administration. • A new, potentially more lenient proposal is expected from federal banking agencies by early 2026, with input from industry stakeholders. • Original proposal abandoned: The Biden-era 2023 proposal, which would have significantly increased capital requirements for large banks, effectively stalled amid widespread criticism.

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Current Status • Revised plan in the works: A new proposal is being developed under the leadership of Federal Reserve Vice Chair for Supervision Michelle Bowman. • It is expected to be more "capital-neutral" and aligned with how European authorities are implementing the standards. • A group of Republican senators recently urged the Federal Reserve to finalize a revised rule and consider a more holistic, capital-neutral approach.

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