WASHINGTON - Banks that originate and sell pools of risky loans would face higher capital requirements under a proposal being formulated by federal bank and thrift regulators.

In a speech Friday to the Conference of State Bank Supervisors, Donna Tanoue, chairman of the Federal Deposit Insurance Corp., said regulators may require banks to take a dollar-for-dollar capital charge for their residual interests in pools of high-risk securitized loans - even if the amount exceeds a current cap limiting the capital charge to 8% of a pool's value.

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