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EU Considers Delaying Stricter Capital Regime

EU Considers Delaying Stricter Capital Regime

by Starling Insights

Starling Insights Editorial Board

Jan 28, 2025

Observations

European bankers and regulators expect stricter capital requirements to be delayed amid uncertainty regarding the fate of the "Basel Endgame" rules in the US, as reported by Bloomberg.

The European Banking Federation and other industry representatives have lobbied the European Commission to delay the rules until 2027 to avoid putting European banks at a disadvantage. According to a representative for the Commission, it is now “considering which steps to take on this in light of developments in other jurisdictions, including the US and the UK.”

The hesitance to strengthen capital requirements stems from speculation that the Trump administration will elect not to implement the Basel Endgame requirements at all. The proposed rules were already significantly watered-down under the Biden Administration last year following an intense lobbying effort undertaken by banks and their advocates.

Adding further pressure, the UK Prudential Regulation Authority announced earlier this month that it would delay its own implementation of the reforms to allow for "more time for greater clarity to emerge about plans for its implementation in the United States."

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