Article ID: 967cddc9a3059c391433f13a1d12bd0e24ebac008177457f84b4d6750ecb004d
Source ID: regulatory:risk.net
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US regulators throw banks a curveball on committed credit lines New Basel III charge on undrawn facilities will hit largest banks in areas like fund finance and credit cards The US Basel III redraft of March 2026 has mainly drawn praise from banks for toning down capital impact, as compared with the July 2023 iteration. But a breaking ball has caught the major US banks off balance: the addition of a capital requirement for credit facilities that can be unconditionally cancelled – a demand that could incur extra costs on a range of wholesale and retail lending. “That was Only users who have a paid subscription or are part of a corporate subscription are able to print or copy content. To access these options, along with all other subscription benefits, please contact info@risk.net or view our subscription options here: http://subscriptions.risk.net/subscribe You are currently unable to print this content. Please contact info@risk.net to find out more. You are currently unable to copy this content. Please contact info@risk.net to find out more. Copyright Infopro Digital Limited. All rights reserved. As outlined in our terms and conditions, https://www.infopro-digital.com/terms-and-conditions/subscriptions/ (point 2.4), printing is limited to a single copy. If you would like to purchase additional rights please email info@risk.net Copyright Infopro Digital Limited. All rights reserved. You may share this content using our article tools. As outlined in our terms and conditions, https://www.infopro-digital.com/terms-and-conditions/subscriptions/ (clause 2.4), an Authorised User may only make one copy of the materials for their own personal use. You must also comply with the restrictions in clause 2.5. If you would like to purchase additional rights please email info@risk.net More on Regulation Banks urge Singapore to relax exposure limit on crypto assets Lower capital for tokenisation and stablecoins welcomed, but cap will curb bank involvement for now Larger EU players move slower on clearing relocation, says Esma Active accounts rule driving smaller firms onshore; regulator ready for bigger role if lawmakers want BoE’s crisis lending plan hits buffers Scepticism greets regulator’s proposal to increase releasable leverage capital buffers BoE’s leverage ratio rejig to hit HSBC and StanChart Proposed changes aim to rebalance scales in favour of domestic lending Small UK lenders set to escape leverage ratio ratchet BoE’s planned economic indexation of tougher prudential thresholds could ease capital planning US Basel III will provide reprieve for clearing, but no release Worst excesses of original endgame proposal avoided, but increased capacity still seen as unlikely Have regulators gone soft on enforcement? (And should we care?) US agencies are scaling back punishments for technical rule breaches, raising concerns that small but crucial risks may be ignored How US regulators could stop management driving Camels Supporters flag disconnect from other indicators; critics fear early warnings will go unnoticed
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