IMF robert via flickr

Stringent financial regulations may come at a price, but according to the International Monetary Fund (IMF) newest report, those costs pale in comparison to the economic costs that arise as a result of severe financial crises.

The report, Estimating the Costs of Financial Regulation, posited that, "an increase in lenders' operating costs," and would affect, "bank costumers, employees, and investors. Yet banks appear to have the ability to adapt to the regulatory changes without actions that would harm the wider economy."

What are the exact prices of these reforms?

26 base points in the United States, 17 base points in Europe, and 8 base points in Japan. A base point is equal to one hundredth of a percentage point.

The report analyzes changes in lending rates and  focuses on reforms related to  more thorough capital, liquidity requirements, tougher rules in regulating the  derivatives market, and new taxes and fees that lenders have incurred as a result of financial reform.