On November 9, the Fed issued instructions, timelines for submissions, and general guidelines for the 2013 capital planning and stress testing program.  The program includes the Comprehensive Capital Analysis and Review, which covers 19 firms, and the Capital Plan Review, which covers an additional 11 bank holding companies.  The goal of the program is to assess these entities’ capital structures to ensure that they have sufficient capital to continue operations during times of economic and financial stresses.  Institutions will be required to submit their capital plans no later than January 7, 2013.  Fed Release.