That could encompass operational deficiencies from using spreadsheets for trading and risk management rather than migrating those operations to industrial strength platforms, like Imagine.

FORBES: Dodd-Frank Whistle-Blowers Raise Stakes in Spreadsheet OpRisk

The owner of Boundless LLC, a training and consulting firm for risk management and compliance, said he previously has used the credit line for technology upgrades, operational improvements and marketing.

WSJ: Wells Fargo to Increase Interest Rates on Some Small-Business Credit Lines

The new operational-risk element, for instance, will hit banks specialising in areas such as custody or asset management that involve little lending and therefore in the past have needed little capital to keep supervisors sweet.

ECONOMIST: Bothersome Basel