On November 19, 2013, the Federal Deposit Insurance Corporation, Federal Reserve Board, and Office of the Comptroller of the Currency released an estimation tool to assist community banks in understanding the effect that the revised capital adequacy guidelines will have on their capital ratios. Adopted in July and October of 2013, the revised capital adequacy guidelines implement the revised standards of the Basel Committee on Banking Supervision, commonly referred to as Basel III, and the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.
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