Capital Requirements

Affordable, accessible credit is the backbone of opportunity for Americans. It's how people buy homes, start businesses, and achieve their financial goals.

Ensuring capital standards are well-calibrated and modernized for today’s economy helps keep borrowing costs manageable and credit widely available.

While recent adjustments to capital rules reflect meaningful progress, U.S. capital requirements still remain among the highest in the world, putting our businesses and consumers at a disadvantage. This chokes off U.S. investment, slows lending, and drives capital overseas or into less-regulated nonbank companies.

Common-sense solutions to improve U.S. capital rules will ensure the banking system continues to be strong while keeping capital flowing to the families, farms, and small businesses that drive growth.