Why Basel III Won’t Save Us And What Will
We’ve been here before.
In 2008, banks took a pile of subprime mortgage garbage, repackaged it through complex derivatives and ETFs, and magically turned it into AAA-rated investments at least according to their internal models. Those models failed catastrophically, leading to the global financial crisis.
Now, the system claims it's trying to reform. But let’s not kid ourselves. When it comes to the Basel III Endgame, what’s happening behind the curtain isn’t real reform it’s more smoke and mirrors.
Basel III: Just Another Nothing Burger?
Many of you have asked why I haven’t jumped on the Basel III bandwagon. Here’s why:
It’s a nothing burger.
From the beginning, with all the bank lobbying and the deregulation agenda under President Trump, it was clear that these reforms weren’t going to make a real difference. And now, the final components of Basel III, originally scheduled to go into effect on July 1st, 2025, have been pushed out to July 1st, 2028. That’s three more years and that’s if they ever get implemented at all.
These reforms are supposed to strengthen capital requirements for large banks (those with over $100 billion in assets) and standardize how they measure credit, market, and operational risk. But the reality?
The banks don’t want it. And they’re already working to kill it.
The Pushback Is Already Underway
On July 22nd, just days ago, the Federal Reserve’s new top banking regulator, Michelle Bowman, publicly pledged to reverse what she sees as a “flawed” approach to capital rules. She supports bank deregulation, not oversight.
Let me be blunt:
In a debt-based system, capital rules exist to help control the economy. But if we were operating under a sound money system, none of this would be necessary.
That’s the truth.
Senior officials from JPMorgan, Goldman Sachs, Morgan Stanley, and others are now actively participating in events at the Fed to push for even more rule changes because in practice, the banks already write their own rules.
Basel III: What It Says Is Coming
If the reforms were to be enforced, here’s what they’d require:
- Higher capital requirements at least a 16% increase
- A 20% rise in risk-weighted assets
- Standardized rules across all large banks
- Less reliance on internal bank models
That sounds good on paper. But it’s not going to happen. The banks won’t give up their “tailored approaches” that let them value risk however they want. And don’t forget this exact kind of modeling is what crashed the system in 2008.
A System Not Built to Protect You
Implementing Basel III would require massive overhauls:
New systems, data pipelines, reporting processes all of which the banks claim they’re “not ready” for. And yet...
They were more than ready for the Stablecoin Bill that just passed.
They’ve had since 2010, when Dodd-Frank and Basel III were first introduced. But this? They drag their feet. Why? Because real reform would constrain how much risk they can take and how much money they can make.
Meanwhile, non-bank financial institutions like private equity and private debt funds are gaining the advantage. They’re not regulated the same way big banks are, and they’re not subject to Basel III. But guess what?
Those non-banks borrow a lot of money from the banks.
So all the risk these unregulated firms take? It ultimately lands on the FDIC-insured banking system meaning your deposits are on the line.
Nothing to see here, right?
The Illusion of Stability
These so-called reforms introduce more complexity, competitive disadvantages, and more costs which is why the banks are lobbying so hard to stop them. We are in a moment of deregulation, not reform.
And while they distract us with debates about Basel III, they’re quietly preparing a very different financial future:
- A centralized, surveilled stablecoin system
- Controlled by the Fed
- Based on fiat dollars that are being inflated away
The Real Crisis Is Already Set
If you haven’t already, go back and watch my July 22 live stream. I break down a speech from Michael Barr, part of the FOMC, in which he outlines the three major financial crises that brought us to this point:
- The Great Depression
- The Savings and Loan Crisis
- The Great Financial Crisis of 2008
Everything is already in place. The regulations. The laws. The shift toward a digital, fully controlled money system is underway.
You just haven’t seen it yet.
But you will.
What You Can Do
You don’t have the luxury of waiting for banks or regulators to do the right thing. You need to prepare yourself.
Get your sound money strategy in place now.
We're heading into the largest financial crisis of our lifetimes. I lived through the Savings and Loan crisis. I lived through 2008. And I’ll be here to help guide you through this one, too but only if you're prepared.
Call to Action:
The system is already changing. The only way to protect your future is by owning tangible assets physical gold and silver and building a sound money strategy rooted in real value, not government promises.
Don’t wait for permission. Take control of your financial freedom today.
Start here with Zang Enterprises. We’ll help you preserve your wealth, prepare for the collapse, and build a legacy that lasts.
Because there is no higher good than protecting our children’s freedom. Join us locally and globally.
