Sec. 305. IMPROVING CAPITAL STANDARDS
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## SEC. 305 IMPROVING CAPITAL STANDARDS **[**[12 U.S.C. 1828](/us/usc/t12/s1828) nt.**]** ###
(a)* * * ###
(b)Review of Risk-Based Capital Standards ####
(1)In general Each appropriate Federal banking agency shall revise its risk-based capital standards for insured depository institutions to ensure that those standards— #####
(A)take adequate account of— ######
(i)interest-rate risk; ######
(ii)concentration of credit risk; and ######
(iii)the risks of nontraditional activities; #####
(B)reflect the actual performance and expected risk of loss of multifamily mortgages; and #####
(C)take into account the size and activities of the institutions and do not cause undue reporting burdens. ####
(2)International discussions The Federal banking agencies shall discuss the development of comparable standards with members of the supervisory committee of the Bank for International Settlements. ####
(3)Deadline for prescribing revised standards Each appropriate Federal banking agency shall— #####
(A)publish final regulations in the Federal Register to implement paragraph
(1)not later than 18 months after the date of enactment of this Act; and #####
(B)establish reasonable transition rules to facilitate compliance with those regulations. ####
(4)Definitions For purposes of this subsection, the terms “**appropriate Federal banking agency**”, “Federal banking agency” and “insured depository institution” have the same meanings as in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813). * * * * * * *
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