Right-Sizing the U.S. Bank Capital Framework: A Return to Tailoring, Economic... (EventID=118741)

Subcommittee on Financial Institutions, House Financial Services Committee · December 12, 2025

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Opening remarks and hearing purpose

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14:25 → 19:01(4m 36s)

Chairman Barr opened the subcommittee, titled the hearing 'rightsizing the US Bank capital framework, a return to tailoring economic growth and competitiveness,' framed the problem as 'one size fits all' capital rules that 'gold plate' international standards, and urged tailoring capital requirements to bank size, complexity and risk. He recognized witnesses and set 5-minute testimony limits.

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A House Financial Services subcommittee hearing examined proposals to 'right‑size' the U.S. bank capital framework, including debate over the Basel III endgame, tailoring for community and regional banks, GSIB surcharges, and potential risks from AI-driven runs. Witnesses from industry and academia testified on trade‑offs between safety, competitiveness, and credit availability.

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Transcript

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