The final rule -- which would take effect on July 1 of next year -- is similar to the earlier proposal, though it gives Treasuries and cash reserves the same treatment to eliminate an incentive for banks to dump Treasuries under pressure. The banks subjected to the rule -- including JPMorgan Chase (NYSE: JPM ) & Co., Citigroup Inc (NYSE: C )., Bank of America Corp (NYSE: BAC ). and Goldman Sachs Group Inc (NYSE: GS ). -- have been operating under a related requirement known as the liquidity coverage ratio, which calls for shorter-term liquidity stockpiles. Most of the big lenders already meet the demands of the net stable funding ratio, the regulators said. The industry is more than $1 trillion above its liquidity needs, though a small number of unnamed institutions remain below their marks, according to agency officials. At least one bank needs to come up by 8%, and the lenders with liquidity shortfalls may require as much as $31 billion more in total, according to the agencies.