Federal banking and thrift regulators on Tuesday adopted uniform capital rules for leverage ratios, several types of loans, and mutual fund investments.

Much of the document clarifies existing policy. Banks with a "1" Camels rating, the best, must have at least a 3% ratio of Tier 1 capital to total assets. Camels is an acronym for capital, assets, management, earnings, liquidity, and sensitivity to risk. Those with Camels ratings lower than "1" must have a minimum 4% ratio.

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