Infrastructure Briefing — July 12, 2025

Executive briefing: The Federal Reserve, FDIC, and OCC’s joint Large Banking Organization Capital Requirements proposal (Basel III Endgame) would apply to institutions with $100 billion+ in assets starting July 1, 2025, with transition factors phasing through 2028. Supervisors have not finalised revisions following the 2024 comment period, yet examinations continue to test whether banks can switch risk-weight, operational risk, and market risk calculations to the proposed standards. July 2025 release cycles therefore need infrastructure that can pivot between current rules and potential Endgame calibrations on demand.

Infrastructure checkpoints

Capital engine upgrades. Retrofit regulatory calculation platforms to support expanded standardised credit risk schedules, the operational risk standardized approach, and refreshed market risk modellability tests.
Data warehouse remap. Re-key exposure data marts so specialised lending, equity exposures, and trading-book sensitivities align with proposed Pillar 3 templates and BCBS 239 lineage expectations.
Dual-rule orchestration. Maintain feature flags and configuration packs that let finance teams run CCAR and internal stress scenarios under both current and proposed Basel frameworks.

Platform actions

Performance testing. Load-test capital engines and regulatory reporting feeds with July quarter-end volumes to ensure batch windows survive heavier data transformations.
Integration guardrails. API-enable reconciliation between general ledgers, market risk systems, and XBRL disclosure tooling so downstream reports update automatically when parameters change.
Change governance. Run weekly change-advisory boards with model risk, technology, and regulatory affairs to log configuration changes and track agency guidance updates.

Sources

Zeph Tech hardens Basel III Endgame infrastructure by synchronising capital engines, data warehouses, and disclosure toolchains ahead of potential July 2025 activation.