ICBA responded to the recent proposals of the OCC, Federal Reserve, and FDIC regarding modifications to the Standardized Approach in the regulatory capital rule and modifications to the regulatory capital rule for Category I and II banking organizations and those with significant trading activity. ICBA said it supports efforts to improve the risk sensitivity and transparency of the capital framework, but urged the agencies to ensure that any final rules are appropriately tailored and allow community banks to thrive without increasing the systemic risks posed by the largest institutions.