Jump to Content
ABA: The American Bankers Association

Capital Requirements

Prioritizing Safety in Bank Capital Requirements

ABA Position

Ensuring that the banking sector has adequate levels of high-quality capital is key to the safety and soundness of the banking system and economy as a whole. Fortunately, the U.S. banking industry is exceedingly well capitalized, as regulators have stated and stress tests have demonstrated.


ABA shares the goal of a safe, sound and resilient banking system, but any proposed capital standards must adequately consider the negative repercussions from forcing banks to hold more capital than is needed to maintain safety and soundness. Regulation, including capital requirements, should be tailored to a bank’s risk and business model, and asking banks to hold more capital than necessary carries real costs for everyday Americans.

Show MoreShow Less

Related Training & Events

Our Experts

Hugh Carney

Hugh Carney

Executive Vice President, Financial Institution Policy & Regulatory Affairs

Regulatory Policy

Contact Hugh
Hu Benton

Hu Benton

Senior Vice President & Policy Counsel

Regulatory Policy

Contact Hu

Press Contact

Josh Britton

(202) 663-7553

Contact Josh

Stay Connected

Risk, Compliance & Financial Crimes Email Bulletin

A weekly information resource with ABA news, analysis and resources, specifically selected to meet readers’ unique content needs. (Bank members only)

Compliance Network

The ABA Compliance Network is a members only online forum facilitating discussion of compliance topics and providing opportunity for professional interaction.