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US Treasury's Bessent suggests lowering Basel III capital requirements for mortgages

By Neil Roland ( July 22, 2025, 22:19 GMT | Insight) -- US Treasury Secretary Scott Bessent floated the idea of re-issuing the Basel III capital rule proposal to reduce capital requirements for mortgage loans and some other exposures “core to the community bank model.” “We will center financial regulation on Main Street, not Wall Street,” he said in a speech Monday at the Federal Reserve Capital Conference. “We will protect the viability of our community banks.” Bessent aligned himself with Michelle Bowman, the Fed’s vice chair for supervision and a former vice president of Farmers & Drovers Bank in Kansas, as a champion of community banks.US Treasury Secretary Scott Bessent floated the idea of re-issuing the Basel III capital rule proposal to reduce capital requirements for mortgage loans and some other exposures “core to the community bank model.”...

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