GSIB Surcharge

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GSIB Surcharge

The nation’s largest banks are subject to robust regulations, including heightened requirements for capital. Since 2009, U.S. GSIBs have more than tripled their high-quality capital.

The Forum supports a review of the GSIB surcharge, a capital requirement that was agreed to internationally, but that U.S. regulators have implemented in a manner that places higher requirements on U.S. banks than that required of foreign competitors.

Federal regulators have failed to review and adjust the calculation of the surcharge to reflect the inflationary effects of overall economic growth, as they indicated it would when the GSIB surcharge rule was enacted in 2015. Since that time, the surcharges for U.S. GSIBs have increased in large part due to economic growth and inflation, which in no way suggests heightened systemic risk.

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BankNotes Blog

The official blog of the Forum, BankNotes is where our team analyzes and discusses the latest proposals and news surrounding our eight member institutions, the U.S. financial sector, and the economy. We provide thoughtful insights on the issues impacting the eight largest and most diversified U.S.-based financial institutions, as we promote policies that support savings and investment, deep and liquid capital markets, a competitive global marketplace, and a sound financial system.