WASHINGTON — When global regulators last year announced final international capital and liquidity standards, bankers for the first time in months breathed a sigh of relief, appearing even to welcome the agreement.

Even though the Basel III framework would be tougher, it was significantly less burdensome than most bankers had expected, and U.S. negotiators acceded to European demands to allow longer transition times in order to give institutions a chance to meet the higher criteria.

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