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On 29 June 2026, APRA released a consultation paper outlining targeted, risk sensitive reforms to credit risk capital requirements and guidance for authorised deposit taking institutions (ADIs). The proposals aim to improve risk sensitivity, support productive lending and maintain ‘unquestionably strong’ capital settings.
The consultation comprises workstream 1 on credit risk capital as part of APRA’s broader program of capital and liquidity reforms for ADIs.
Written submissions should be sent to policydevelopment@apra.gov.au by 7 September 2026.
The consultation paper draft standards and guidance are available below.
Consultation paper
Getting the balance right on financial resilience - Workstream 1: Credit risk capital
Note on submissions
It is APRA's policy to publish all submissions on the APRA website unless the respondent specifically tells APRA in writing that all or part of the submission is to remain confidential. An automatically generated confidentiality statement in an email does not satisfy this purpose. If you would like only part of your submission to be confidential, you should provide this information marked as 'confidential' in a separate attachment.
Submissions may be the subject of a request for access made under the Freedom of Information Act 1982 (FOIA). APRA will determine such requests, if any, in accordance with the provisions of the FOIA. Information in the submission about any APRA-regulated entity that is not in the public domain and that is identified as confidential will be protected by section 56 of the Australian Prudential Regulation Authority Act 1998 and will therefore be exempt from production under the FOIA.