Basel III | Deloitte US | Center for Regulatory Strategies


Under the spotlight

Banking regulators are making “Regulation W” a priority. Implications and approaches for Banks to consider.


Rethinking compliance management

Bank leaders and boards, which must come to terms with the new reality of compliance. Which “shoulds” are really sometimes “shalls?”


Dodd-Frank Act push-out

Banks are now focused on the decisions that they need to make and determining the best course of action to be in compliance with “push-out” in 2015.


US regulatory capital

Basel III final rules

On July 2, 2013, the Federal Reserve (Fed), Office of the Comptroller of the Currency (OCC), and the Federal Deposit Insurance Corporation (FDIC) released Regulatory Capital Rules: Regulatory Capital, Implementation of Basel III, Capital Adequacy, Transition Provisions, Prompt Corrective Action, Standardized Approach for Risk-weighted Assets, Market Discipline and Disclosure Requirements, Advanced Approaches Risk-Based Capital Rule, and Market Risk Capital Rule.

The Fed and OCC are adopting Basel III as a final rule. The FDIC is adopting it as an interim final rule until the supplementary leverage ratio notice of proposed rulemaking (NPR) is finalized.

Highlights and observations

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Learn more about the rules

This paper offers a summary of and observations about the rules, noting that advanced banks continue to feel the pressure, while smaller banks are likely to be feeling some relief.

It also:

  • Presents some key takeaways about changes in the final rule
  • Notes implementation timelines
  • Offers a view of what’s next for banks
  • Provides highlights about the capital numerator, capital buffers and leverage ratios, risk-weighted assets standardized and advanced approaches rules
  • Outlines highlights of the supplementary leverage ratio and market risk NPRs

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Financial Services Industry Leader


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