Bank holding companies (BHC) that sustain significant losses without adequate capital can become insolvent and pose a systemic risk to the U.S. economy, yet 6 BHCs' had losses higher today than they were prior to 2008 recession. BHCs continue to experience significant losses as senior managers lack effective practice towards capital regulation. The research question for this study was, what is the level of consensus among banking finance experts across the U.S. on how to recognize a senior manager's effective practice towards capital regulation in BHCs. The purpose of this qualitative e-Delphi study was to build consensus among banking finance experts across the U.S. on how to recognize a senior manager's effective practice towards capital regulation in BHCs. The conceptual framework for this study was Compliance and Ethics Group's standard that improves quality and performance, principal-agent theory and goal theory. This e-Delphi study built consensus among 10 finance experts who are: employed a minimum of 10 years in banking; possessed an MBA in Finance; and, currently employed as a consultant to a large bank in the U.S. Data were collected from 3 electronic questionnaires submitted through Qualtrics. Data were analyzed using theoretical triangulation, coding, and thematic analysis. The data analysis revealed consensus on 33 activities constituting a senior manager's effective practice towards capital regulation in BHCs, with the highest agreement on internal control activities. The identification of these effective practices towards capital regulation in banks can effect social change by providing senior bank managers in BHCs with uniform principles that can reduce the level of risk behavior while meeting capital regulation requirement and shareholder objectives.