Capital reform 2026: Basel III endgame and more

The U.S. banking agencies have proposed a new capital package that would reshape how banks calculate and manage capital requirements.

The March 2026 proposals revisit Basel III Endgame for the largest firms, introduce a separate approach for regional and smaller banks, and revise the GSIB surcharge framework. They follow a broader review of the capital framework that has also produced proposed stress testing changes and recently finalized leverage changes.

Taken together, the package lowers capital requirements overall, reduces duplication across the framework, and improves the economics of traditional lending in ways that could pull some activity back toward banks. It also creates new strategic and operational questions for treasury, risk, finance, reporting, and data teams as firms assess the impact of the proposals and prepare for implementation.

Read Our Take

As these proposals continue to take shape, understanding their practical implications is critical. Join us for a special webcast hosted by PwC's Bank Treasury team.

The webcast focuses on key components of the Basel III Endgame framework, with a dedicated session covering the Expanded Risk-Based Approach (ERBA) and Market Risk.

The session explores how the latest U.S. proposals are reshaping capital requirements and what they mean for balance sheet strategy, risk management, and regulatory compliance.

Across the session, we cover:

• Key changes introduced under the 2026 proposal
• Impacts to risk-weighted assets and capital requirements
• Implications for treasury, risk, finance, reporting, and data functions
• Emerging interpretation and implementation challenges

The webcast brings together PwC and industry subject matter specialists to provide practical insights and discuss how firms are preparing for implementation.

Watch the replay