Adequate IT resources is not a principle of an effective capital adequacy process. The Comprehensive Capital Analysis and Review (CCAR) is a regulatory framework introduced by the Federal Reserve in the United States to supervise, assess, and regulate the capital adequacy processes of large, complex Bank Holding Companies (BHCs). The CCAR aims to ensure that these institutions have robust, forward-looking capital planning processes that account for their unique risks and sufficient capital to continue operations throughout times of economic and financial stress. The seven principles of an effective capital adequacy process under the CCAR are: sound foundational risk management, effective loss-estimation methodologies, solid resource-estimation methodologies, sufficient capital adequacy impact assessment, comprehensive capital policy and capital planning, robust internal controls, and effective governance. While IT resources are crucial for the operational efficiency of a bank, they do not form a principle of the capital adequacy process under the CCAR.

Choice A is incorrect. Effective loss-estimation methodologies are indeed a component of the CCAR. These methodologies help banks to estimate potential losses under various stress scenarios, which is crucial for assessing capital adequacy.

Choice B is incorrect. Sufficient capital adequacy impact assessment is also a part of the CCAR process. This involves evaluating the impact of different stress scenarios on a bank's capital position and ensuring that it maintains adequate capital even in adverse conditions.

Choice D is incorrect. Robust internal controls are an essential part of the CCAR process as well. These controls ensure that all processes related to risk management and capital planning are functioning effectively and accurately, thereby reducing the likelihood of errors or misjudgments in these critical areas.