I 
113TH CONGRESS 
1ST SESSION H. R. 2547 
To determine appropriate risk based capital requirements for community, 
mid-size, and regional institutions. 
IN THE HOUSE OF REPRESENTATIVES 
JUNE 27, 2013 
Mrs. CAPITO (for herself and Mr. MEEKS) introduced the following bill; which 
was referred to the Committee on Financial Services 
A BILL 
To determine appropriate risk based capital requirements 
for community, mid-size, and regional institutions. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Determination of Ap-
propriate Risk-Based Capital Requirements for Commu-
nity Financial Institutions Act of 2013’’. 
SEC. 2. FINAL RULES PENDING IMPACT STUDY. 
(a) IN GENERAL.—The Board of Governors of the 
Federal Reserve System, the Federal Deposit Insurance 
Corporation, and the Office of the Comptroller of the Cur-
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rency (in this Act collectively referred to as the ‘‘Federal 
banking agencies’’) shall conduct an empirical study in ac-
cordance with subsection (b) prior to issuing any final rule 
in relation to all proposed regulatory capital rules issued 
by the Federal banking agencies for the international 
Basel III agreement (‘‘Basel III Rules’’). 
(b) ISSUES TO BE STUDIED.—The study required by 
this section shall include— 
(1) the potential impact of the Basel III Rules 
on the financial services sector of the United States, 
and specifically community, mid-size, and regional fi-
nancial institutions, including changes to required 
capital levels in the aggregate, per asset class and 
institution size; 
(2) the long-term potential impact of the Basel 
III Rules, including changes to the current risk- 
weight framework; 
(3) the cost and complexity of the Basel III 
Rules for community financial institutions; 
(4) the potential indicators of community banks 
having to maintain higher leverage capital ratios and 
higher total risk-based capital ratios than non-com-
munity banks, and if such capital levels are commen-
surate with higher historical losses or greater risk; 
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(5) the historical probability of default and loss 
given default of residential mortgage loans and the 
proposed risk weightings in the Basel III Rules, and 
whether such proposed risk weightings are appro-
priately and fairly calibrated, specifically for commu-
nity, mid-size, and regional financial institutions; 
and 
(6) the impact of the Basel III Rules on real 
estate markets, and specifically, residential mortgage 
lending and home equity lines of credit. 
(c) EXCEPTION FOR GLOBAL SYSTEMICALLY IMPOR-
TANT BANKS.—The delay in rulemaking required under 
subsection (a) shall not apply to rules applicable to global 
systemically important banks, as identified by the Finan-
cial Stability Board. 
SEC. 3. VOLUNTARY PARTICIPATION. 
Any financial institution may voluntarily provide in-
formation for the study upon the request of the agencies, 
but may not be required to provide such information. 
SEC. 4. FINAL REPORT. 
(a) AVAILABILITY TO THE PUBLIC.—A final report 
on the completed study required by this Act shall be made 
available to the public for notice and comment for a period 
of not less than 90 days. 
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