The risk-based capital guidelines that will be in effect Jan. 1 could increase the use of net-interest margin (NIM) securitizations and other residual sale mechanisms, according to industry players.

"This is only really going to be a phenomenon for those banks that presently have residuals on their balance sheets that approach or exceed 25% tier one capital, and that's just a handful of banks," said Marty Rosenblatt, head of the ABS practice leader at accounting firm Deloitte & Touche.

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