Banking and business groups sued the Federal Reserve over the central bank’s annual stress tests, saying they’re seeking more transparency and input into how the rules are adopted.

The groups, including the Bank Policy Institute and American Bankers Association, contend that the Fed’s criteria for the tests are designed in secret and produce “vacillating and unexplained requirements and restrictions on bank capital.” That’s affecting the cost of financial services in the US, according to a federal lawsuit filed Tuesday in Columbus, Ohio.