Fed Eases Bank Capital Rules
Analysis based on 6 articles · First reported Apr 17, 2026 · Last updated Apr 20, 2026
The revised Basel III and GSIB surcharge rules by the United States — Federal Reserve are expected to reduce capital levels for most big U.S. banks, generally boosting market sentiment for the banking sector. However, some entities like JPMorgan Chase anticipate increased capital requirements, leading to mixed sentiment within the industry.
The United States — Federal Reserve, led by Vice Chair for Supervision Michelle Bowman, has unveiled relaxed drafts of the Basel III and GSIB surcharge rules, which are estimated to reduce capital levels at big U.S. banks by approximately 4.8%. This move is a partial victory for the banking industry, which aggressively opposed the Fed's original 2023 plan that proposed a 20% capital hike. Michelle Bowman has communicated to bank executives that the Fed expects limited and specific feedback on the new proposals, discouraging the aggressive lobbying tactics seen previously. Despite the overall relief for the industry, some banks, notably JPMorgan Chase, anticipate an increase in their capital levels under the new plan, with CEO Jamie Dimon publicly criticizing the proposals. The Fed aims to finalize these rules this year, partly due to upcoming midterm elections that could increase scrutiny from the United States — Democratic Party (United States).
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