Learning path
Banking Regulations learning path: everything to study, topic by topic
Comprehensive banking regulations assessment covering prudential frameworks, Basel III capital and liquidity requirements, Dodd-Frank and US regulation, MiFID II and EU regulation, prudential supervision, and expert regulatory strategy.
Short answer
To learn Banking Regulations, work through 7 modules and 20 topics in the order they build on each other. It starts with Banking Regulatory Framework, then moves on to Basel III Capital Requirements and Liquidity Regulations. Use the map as a checklist, or measure your level and study only what is missing.
What you will study
Topics are grouped by module. Open one to see its objectives and key concepts.
1 · Banking Regulatory Framework3 topics
Banking Regulatory Landscape
Understanding the structure of banking regulation including key regulators, their mandates, and the interplay between federal and state supervision
Objectives
- Map the roles and jurisdictions of key banking regulators in the US and internationally
- Explain the dual banking system and how regulatory authority is allocated
Key concepts
- OCC
- Federal Reserve
- FDIC
- state banking regulators
- dual banking system
- regulatory perimeter
Bank Chartering & Licensing
Chartering requirements, licensing processes, and ongoing regulatory obligations for bank holding companies and depository institutions
Objectives
- Evaluate the trade-offs between national and state bank charters
- Navigate the regulatory approval process for bank formation and acquisitions
Key concepts
- national vs state charter
- bank holding company
- BHC Act
- licensing requirements
- CRA obligations
- change in control
Consumer Protection in Banking
Consumer protection regulations including TILA, RESPA, ECOA, UDAP/UDAAP, and CFPB supervisory expectations for banks
Objectives
- Apply consumer protection regulations to banking products and services
- Design fair lending programs that satisfy ECOA and CFPB expectations
Key concepts
- TILA
- RESPA
- ECOA
- UDAP
- UDAAP
- CFPB
- fair lending
- Regulation Z
2 · Basel III Capital Requirements3 topics
Capital Structure & Tiers
Basel III capital tiers including CET1, Additional Tier 1, and Tier 2 capital, eligibility criteria, and regulatory deductions
Objectives
- Classify capital instruments into Basel III tiers based on loss-absorption characteristics
- Calculate CET1, Tier 1, and total capital ratios including regulatory deductions
Key concepts
- CET1
- AT1
- Tier 2
- total capital
- regulatory deductions
- going-concern capital
- gone-concern capital
Risk-Weighted Assets & SA-CCR
Calculating risk-weighted assets under standardized and IRB approaches, SA-CCR for counterparty credit risk, and the FRTB for market risk
Objectives
- Calculate risk-weighted assets under the standardized approach for major asset classes
- Explain the transition from CEM to SA-CCR and its impact on derivative exposures
Key concepts
- RWA
- standardized approach
- IRB approach
- SA-CCR
- FRTB
- credit risk
- market risk
- operational risk
Capital Buffers & Countercyclical Framework
Capital conservation buffer, countercyclical buffer, G-SIB surcharge, and the interaction between Pillar 1 minimums and buffer requirements
Objectives
- Calculate the combined buffer requirement including G-SIB surcharge and countercyclical components
- Explain the restrictions on distributions when a bank breaches its buffer requirement
Key concepts
- capital conservation buffer
- countercyclical buffer
- G-SIB surcharge
- D-SIB buffer
- Pillar 1
- maximum distributable amount
- buffer usability
3 · Liquidity Regulations3 topics
Liquidity Coverage Ratio
LCR calculation, HQLA classification, net cash outflow assumptions, and operational requirements for maintaining the liquidity buffer
Objectives
- Calculate the LCR and classify assets into HQLA levels with appropriate haircuts
- Analyze the impact of balance sheet changes on a bank's LCR compliance
Key concepts
- LCR
- HQLA
- Level 1 assets
- Level 2A assets
- Level 2B assets
- net cash outflows
- 30-day stress window
- operational deposits
Net Stable Funding Ratio
NSFR calculation, available stable funding factors, required stable funding factors, and the relationship between LCR and NSFR in structural liquidity management
Objectives
- Calculate the NSFR and evaluate the structural balance of funding versus asset composition
- Design balance sheet optimization strategies that maintain both LCR and NSFR compliance
Key concepts
- NSFR
- available stable funding
- required stable funding
- ASF factors
- RSF factors
- structural liquidity
- maturity transformation
Liquidity Stress Testing
Internal liquidity stress testing frameworks, scenario design, contingency funding plans, and intraday liquidity management
Objectives
- Design liquidity stress scenarios that capture institution-specific and market-wide vulnerabilities
- Build contingency funding plans with credible action triggers and escalation protocols
Key concepts
- liquidity stress testing
- idiosyncratic stress
- market-wide stress
- combined stress
- contingency funding plan
- intraday liquidity
- survival horizon
4 · Dodd-Frank & US Regulation3 topics
Volcker Rule & Proprietary Trading
Volcker Rule prohibitions on proprietary trading and covered fund investments, permitted activities, compliance program requirements, and metrics reporting
Objectives
- Distinguish permitted activities from prohibited proprietary trading under the Volcker Rule
- Design a Volcker Rule compliance program with appropriate metrics and escalation procedures
Key concepts
- Volcker Rule
- proprietary trading
- covered funds
- market making exemption
- underwriting exemption
- hedging exemption
- TOTUS
- compliance program
CCAR & DFAST Stress Testing
Comprehensive Capital Analysis and Review, Dodd-Frank Act Stress Testing, scenario design, capital planning, and supervisory expectations for stress testing
Objectives
- Design a capital planning process that integrates CCAR and DFAST stress testing requirements
- Analyze the impact of supervisory stress scenarios on a bank's capital adequacy projections
Key concepts
- CCAR
- DFAST
- severely adverse scenario
- pre-provision net revenue
- capital plan
- stress capital buffer
- qualitative objection
- horizontal review
Resolution Planning & Living Wills
Resolution planning requirements, living will submissions, critical operations mapping, and orderly resolution strategies
Objectives
- Design a resolution plan that maps critical operations to legal entities and identifies impediments
- Evaluate single-point-of-entry vs multiple-point-of-entry resolution strategies
Key concepts
- living will
- resolution planning
- critical operations
- core business lines
- material entities
- orderly resolution
- SPOE
- MPOE
- Title I
- Title II
5 · MiFID II & EU Regulation3 topics
MiFID II Conduct of Business
MiFID II client classification, suitability and appropriateness requirements, best execution, product governance, and inducements regulation
Objectives
- Design a MiFID II suitability framework that integrates product governance and target market assessment
- Implement best execution policies that satisfy transparency and monitoring requirements
Key concepts
- client classification
- suitability assessment
- appropriateness test
- best execution
- product governance
- target market
- inducements
- costs and charges disclosure
MiFID II Market Transparency
Pre-trade and post-trade transparency requirements, systematic internaliser regime, transaction reporting, and position limits under MiFID II
Objectives
- Apply MiFID II transparency requirements to different asset classes and venue types
- Design transaction reporting processes that satisfy regulatory accuracy and timeliness standards
Key concepts
- pre-trade transparency
- post-trade transparency
- systematic internaliser
- transaction reporting
- position limits
- trading venue categories
- double volume cap
CRD/CRR Prudential Framework
EU Capital Requirements Directive and Regulation, Pillar 2 requirements, remuneration rules, and large exposure limits under the European prudential framework
Objectives
- Navigate the CRD/CRR framework and its interaction with Basel III implementation in the EU
- Analyze the impact of Pillar 2 requirements and guidance on a bank's capital planning
Key concepts
- CRD V
- CRR II
- Pillar 2 requirements
- P2R
- P2G
- remuneration rules
- large exposures
- leverage ratio
- SLR
- output floor
6 · Prudential Supervision3 topics
Supervisory Review & SREP
Supervisory Review and Evaluation Process, ICAAP/ILAAP requirements, supervisory scoring methodology, and Pillar 2 capital and liquidity add-ons
Objectives
- Design an ICAAP that satisfies supervisory expectations and drives capital adequacy decisions
- Prepare for and manage the SREP process including supervisory engagement and challenge
Key concepts
- SREP
- ICAAP
- ILAAP
- Pillar 2 requirements
- Pillar 2 guidance
- supervisory scoring
- business model analysis
- governance assessment
Single Supervisory Mechanism
ECB banking supervision under the SSM, Joint Supervisory Teams, thematic reviews, on-site inspections, and supervisory expectations for significant institutions
Objectives
- Navigate ECB supervisory processes and expectations for significant institutions under the SSM
- Prepare for on-site inspections and thematic reviews with structured response management
Key concepts
- SSM
- ECB supervision
- Joint Supervisory Team
- thematic reviews
- on-site inspections
- significant institution
- less significant institution
- supervisory priorities
Recovery & Resolution Planning
Bank recovery planning under BRRD, recovery indicators, escalation frameworks, resolution strategies, and bail-in mechanics
Objectives
- Design a credible recovery plan with quantified recovery options and calibrated trigger indicators
- Evaluate bail-in feasibility and no-creditor-worse-off safeguards under the BRRD framework
Key concepts
- recovery plan
- BRRD
- recovery indicators
- recovery options
- bail-in
- resolution authority
- SRB
- no-creditor-worse-off
7 · Expert Regulatory Strategy2 topics
G-SIB Framework & TLAC/MREL
Global systemically important bank identification methodology, G-SIB surcharge buckets, TLAC and MREL requirements, and internal TLAC distribution
Objectives
- Analyze a bank's G-SIB score and design strategies to manage bucket allocation and surcharge levels
- Structure a TLAC/MREL issuance program that satisfies subordination and distribution requirements
Key concepts
- G-SIB identification
- G-SIB surcharge
- TLAC
- MREL
- internal TLAC
- eligible liabilities
- subordination requirements
- bucket allocation
- systemic risk indicators
Strategic Regulatory Positioning
Enterprise-level regulatory strategy including regulatory change management, supervisory relationship management, cross-jurisdictional arbitrage risks, and regulatory capital optimization
Objectives
- Develop an enterprise regulatory strategy that aligns business growth with supervisory expectations
- Navigate cross-jurisdictional regulatory complexity with a coherent group-level compliance approach
Key concepts
- regulatory strategy
- supervisory relationship management
- regulatory arbitrage
- regulatory capital optimization
- Pillar 3 disclosure
- regulatory change management
- industry advocacy
- consultation responses
Levels: Junior, Mid, Senior, and Expert
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Frequently asked questions
Where should I start studying Banking Regulations?
Start with Banking Regulatory Framework: Banking Regulatory Landscape, Bank Chartering & Licensing, and Consumer Protection in Banking. The map orders topics by what they depend on, so each one prepares the next.
How long does a full Banking Regulations assessment take?
A full assessment of this path takes about 45 minutes. Study time depends on where you start; a diagnostic shows which topics you can skip.
Do I need an account to use this page?
No. The map, objectives and key concepts are open. You only need an account to be measured, get your gap by topic and receive a plan.