The Globe and Mail reports in its Tuesday edition that now that regulators in Washington have unfurled a hefty reform package of post-financial-crisis capital regulations, industry advisers are honing in on what they consider most disruptive. A Reuters dispatch to The Globe reports that in a joint proposal, the top three U.S. bank regulators proposed a thousand-page overhaul that would in require banks to set aside an additional 16 per cent in capital the regulators believe is needed to strengthen the financial system. By increasing the degree of risk attributed to certain assets, the proposed rules would require banks to hold proportionately more capital, potentially eating into returns on equity and profits. Groups such as the Financial Services Forum, the Bank Policy Institute and the Securities Industry and Financial Markets Association have argued this will make it harder to lend to consumers and warn it will slow the economy. Though the spring of 2023 saw three of the four biggest bank failures in U.S. history, the FSF reacted to the proposal by saying the Federal Reserve's own stress tests show the largest banks were sound and well capitalized, making the proposal "a solution without a problem."