Stress test results for banks and other lenders, including GMAC will require some to raise more capital to bolster their sustainability if the economy worsens. GMAC was one of a group of lenders which are now required to raise a total of $74.7 billion, after they were assessed by regulatory analysts.

The so-called "stress test" called for a detailed audit of the largest lending institutions in order to identify those who needed to raise more capital to offset the handicap of the remaining sub-prime loans in their portfolios. GMAC was one of those institutions which needs to improve its financial stability.

The results of the stress test for GMAC did not reflect the burden it had just accepted to become the lender for Chrysler LLC. GMAC has been advised that it will need to raise $11.5 billion itself possibly by offering shares to private investors. It will be assisted by the U.S. government in meeting its responsibilities in the agreement with Chrysler. GMAC has to present its plan to the regulatory committee by June 8.