Worldwide: Capital Adequacy/BASEL

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Finance law and banking law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics such as capital adequacy, BASEL, acquisition finance, debt capital markets, fund finance, islamic finance, securitization and structured finance.
Article
Rise Of The Cayman Islands SPVs In Credit Risk Transfer Transactions
Bank credit risk transfer transactions are gaining traction in the U.S. market as a strategic tool for regulatory capital optimization. This article explores how synthetic CRT structures using credit default swaps and credit-linked notes enable banks to transfer credit risk while retaining assets on their balance sheets. Discover the mechanics, benefits, and key considerations for both banks and investors in these increasingly popular transactions.
Cayman Islands Finance
W
Walkers
Article
Built For One Era, Operating Across Four Generations
Federal banking agencies have issued revised model risk management guidance in SR 26-2, introducing a more explicitly risk-based approach to model governance, validation, and monitoring. While primarily targeting organizations with over $30 billion in assets, the principles-based framework has broader implications for regional and community banks navigating evolving regulatory expectations.
United States Finance
AC
Ankura Consulting Group LLC
Article
CFPB Narrows Small Business Lending Rule
The Consumer Financial Protection Bureau has issued significant amendments to its small business lending rule under Regulation B, narrowing the scope of covered transactions and institutions while adjusting data collection requirements. Federal banking regulators have released their annual loan-to-deposit ratio updates and the OCC's Spring 2026 risk assessment, highlighting emerging challenges in commercial real estate, cybersecurity, and compliance.
United States Finance
GP
Goodwin Procter LLP
Article
Basel III Endgame Evolution: Strategic Implications For Alternative Asset Managers
On March 19, 2026, the federal banking agencies issued a package of proposed changes to the regulatory capital requirements for banking institutions of all sizes, from the largest GSIBs and super-regional banks to community banks. This package of proposals (the “Proposed Rules”) is a second full attempt at implementing the 2017 “Basel III Endgame” international framework—following the agencies’ initial package of proposals in July 2023 (the “2023 NPR”)—to better reflect credit, trading and operational risk in the calculation of regulatory capital ratios.
United States Finance
ST
Simpson Thacher & Bartlett
Article
Basel III Endgame Evolution: Banking Agencies Propose Major Capital Overhaul (Again)
On March 19, 2026, the federal banking agencies issued a package of proposed changes to the regulatory capital requirements for banking institutions of all sizes, from the largest GSIBs and super-regional banks to community banks (the “Proposed Rules”). This package of proposals is a second full attempt at implementing the 2017 “Basel III Endgame” international framework—following the agencies’ initial package of proposals in July 2023 (the “2023 NPR”)—to better reflect credit, trading and operational risk in the calculation of minimum regulatory capital ratios.
United States Finance
ST
Simpson Thacher & Bartlett
Article
NAIC Spring 2026: What Insurance Investors Need To Know About CLO And Collateral Loan Capital Charges
The National Association of Insurance Commissioners (“NAIC”) held its 2026 Spring meetings in San Diego. The NAIC received updates from various working groups, including the RBC Investment Risk and Evaluation Working Group, Life RBC Working Group and the American Academy of Actuaries (“Academy”) on the proposals relating to capital charges (factors) for CLOs, Collateral Loans and other assets in order to refine and advance the regulatory framework governing capital treatment of such
United States Finance
D
Dechert
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