Date: October 22, 2012

Issue: Regulatory Capital Rules

To: Fed, OCC, FDIC

Filing Type: Regulators

Description: The U.S. Chamber of Commerce (“the Chamber”), the world’s largest business
federation represents the interest of more than three million businesses and
organizations of every size, sector, and region. The Chamber believes that
appropriate capital requirements are necessary to avoid over-leveraging; however,
capital standards that are too arduous can have serious, unintended negative
consequences. Allowing suitable levels of risk-taking is a necessary element needed to
fuel growth and innovation within the overall economy.

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