20
Mar
Key Points
The Federal Reserve, FDIC and OCC jointly propose overhauling U.S. bank capital rules, replacing the 2023 Basel III Endgame proposal with a reduced-stringency framework estimated to provide $87.7 billion in system-wide CET1 relief.
CET1 reductions by category: ~4.8% for GSIBs (Category I & II); ~5.2% for large regional banks (Category III & IV); ~7.8% for smaller banking organizations.
Key structural reforms: AOCI inclusion mandated for Category III/IV banks (five-year phase-in from 2027); MSA capital deductions eliminated (250% risk weight substituted); market...