AMERICANS CAN'T AFFORD
Washington's capital
regulation plan

washington's capitalregulation plan carries areal cost for:

LOW- AND MIDDLE-INCOME FAMILIES
SMALL BUSINESSES
FARMERS
WASHINGTON'S CAPITAL REGULATION PLAN

has a steep price tag for Americans at a time when consumers are already stretched thin and paying more for everyday items, including groceries, gas, and energy bills.

This proposal will increase borrowing costs, making it harder for families to buy a car, for small businesses to secure essential funding to hire more workers, and for farmers to take out loans for next year's crops.

WASHINGTON'S CAPITAL
REGULATION PLAN
EXPLAINED.
30%
More Capital

The capital regulation plan, also known as the Basel III Endgame proposal, originally required banks to maintain nearly 30% more capital, which would have increased borrowing costs for lower- and middle-income Americans.

After widespread concerns, regulators are rewriting the proposal. As they do so, they must consider how it will impact Americans across the country, especially those in underserved communities.

The state of the U.S. economy is uncertain, as Americans face increasing inflation and higher prices. Now is not the time to bring higher costs to consumers and small businesses.

WHY IT MAKESZERO SENSE.VIEW ALL
Email blasts
09.9.24
Three things to consider ahead of Barr's speech tomorrow
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Email blasts
09.5.24
One chart you need to see today
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Email blasts
08.22.24
Three things to keep in mind about Basel III Endgame ahead of the Jackson Hole Economic Symposium
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Email blasts
08.14.24
As August travel peaks post-Olympics, remember that Basel III Endgame threatens to upend transportation prices
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Email blasts
08.7.24
GAO report calls for improvement of regulatory analysis
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Email blasts
07.29.24
Basel III Endgame will make U.S. less competitive
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News
07.10.24
The Wall Street Journal
Powell: Significant Progress on Revamped Big-Bank Capital Rules
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News
07.10.24
MarketWatch
Fed Chair Powell sees 'broad and material changes' to Basel III endgame
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News
07.9.24
Bloomberg Government
Powell Says Regulators Are Near a Revamped Bank-Capital Plan (2)
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News
07.9.24
Reuters
Powell: 'Essential' that bank regulators re-propose Basel plan
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Resources
07.2.24
PwC
New PwC report finds Basel III Endgame would negatively impact the U.S. economy
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News
06.27.24
Financial Times
Top US banks withstand annual ritual of Federal Reserve ‘stress tests’
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News
03.14.24
CNBC
Green energy projects at risk: Banks team up to fight proposed capital requirement rules
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Press Releases
03.7.24
Another Bill Americans Can't Afford Campaign Launches New Ads During SOTU 
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Videos
03.6.24
FSF
Campaign Launches New Ads During SOTU
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Press Releases
02.5.24
FSF
Forum CEO: Analysis Shows Excessive Cost of Capital Proposal
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News
01.17.24
Bloomberg Government
Bowman says Fed’s capital plan needs substantive changes
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News
01.17.24
Yahoo Finance
Even some Fed officials are now questioning the Fed's new bank capital rules
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News
01.17.24
The Bond Buyer
Muni advocates warn of fallout from proposed Basel III capital reforms
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News
01.16.24
Reuters
Big US banks to call on Fed to rewrite contentious bank capital rule
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News
01.16.24
Politico Pro
Fed’s Waller – Agencies should start over again on capital proposal
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Press Releases
01.16.24
FSF
Press Release: Basel III Endgame proposal would harm American households, businesses, and the broader economy
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News
01.12.24
Politico Pro
Housing groups warn of reduced mortgage access from Basel proposal
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Press Releases
01.9.24
FSF
Press Release: Highlighting Concerns on Basel III Endgame
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Resources
12.22.23
FSF, ABA, BPI, SIFMA
Associations' Letter Regarding B3E Impact on U.S. GSIBs
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Press Releases
12.22.23
FSF
Press Release: Required Bank Capital Increase Would Far Exceed Government Estimates
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Resources
12.22.23
FSF
What They're Saying About Basel III: December 2023
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News
12.18.23
American Banker
Joe Biden’s bank capital proposal will derail economic growth
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News
12.12.23
Reuters
UK lenders face smaller impact from Basel rules than rivals, BoE says
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News
12.7.23
The Washington Post
The racial homeownership gap is widening. New rules might make it worse.
Read
News
12.7.23
Yahoo Finance
New bank rules could push mortgage rates up 30%
Read
Press Releases
12.6.23
FSF
FSF CEO: Higher Capital Requirements Would Harm "Everybody Across the Economy"
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Resources
12.5.23
What They're Saying: Policy Experts, Consumer Groups, and Industry Organizations on the Impact of the Basel III Endgame Proposal
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Videos
11.28.23
FSF
Campaign video: Another Bill Americans Can’t Afford
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Resources
11.27.23
FSF
Basel III Endgame Capital Requirements Would Handicap Small Businesses
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Resources
11.17.23
FSF
Basel III Endgame Market-Making Requirement Threatens Liquidity, Economy, and Financial Stability
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Videos
11.17.23
FSF
Policymakers express concerns over economic impact of Washington's proposed capital regulation plan
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Press Releases
11.14.23
FSF
Press Release: The Basel III Endgame Proposal – Separating Fact from Fiction
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News
11.14.23
Forbes
What’s the problem, and why is harming banks the solution?
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Press Releases
11.14.23
Press Release: New TV ad raises awareness of negative economic consequences of Basel III Endgame for Americans
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News
11.13.23
Third Way
Don’t ignore small businesses’ capital requirements
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News
11.13.23
American Banker
Basel endgame will drive up costs for American farmers and consumers
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Resources
11.12.23
U.S. Senate Banking Committee GOP Members
U.S. Senate Committee on Banking, Housing, and Urban Affairs: Basel III Banking GOP Letter
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Press Releases
11.9.23
FSF
Press Release: Federal Reserve Research Underscores the Illogic of Recent Capital Proposal
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News
11.7.23
HousingWire
Bank capital requirements would put squeeze on mortgage market
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News
11.6.23
American Banker
Fed policies continue to batter small businesses
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News
11.2.23
American Banker
Banks ‘flying blind’ without cumulative data on regulatory proposals
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Press Releases
10.27.23
Press release: New campaign will raise awareness of negative economic consequences of Basel III Endgame for everyday Americans
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Videos
10.23.23
CNBC
Americans Can't Afford Another Bill campaign pushes back against bank capital requirements hike
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News
10.4.23
American Banker
BankThink Higher bank capital requirements would harm low-income borrowers most
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News
10.4.23
American Banker
FDIC's McKernan questions rationale behind Basel endgame standards
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News
09.14.23
POLITICO
The calls are coming from inside the house: Dems rap Biden bank cops
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Resources
09.1.23
The Urban Institute
Bank Capital Notice of Proposed Rulemaking
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Resources
08.22.23
American Council on Renewable Energy
The Impact of Proposed Bank Regulatory Capital Requirements on Tax Equity Investment in Clean Energy
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Resources
07.25.23
NAACP, National Housing Conference, National Urban League
Housing Groups Letter on Bank Capital
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Resources
05.4.23
FSF
U.S. vs. European Capital Adequacy - The Increasingly Unlevel Playing Field Unfolding in Basel III Finalization
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Resources
11.14.22
FSF
Don’t Paint the House Before Finishing the Roof: Basel III Finalization and the Large Bank Capital Regime
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