No banks are safe (bail ins, FDIC limits, systemic risks)

The Fund Created to Unwind a Failing Megabank Has a Problem: There’s No Money in It​

Jon Dowling & Bill Holter Discuss Latest Updates, Finance & Precious Metals​

Goldhedge said:

Ho Lees Hit

Click to expand...

World's Most Powerful Economic Indicator Just Gave Extreme Warning Sign​

Tucker Carlson : Jaw Dropping Revelation​

JPMorgan Chase, Wells Fargo and Bank of America Refuse To Reimburse $880,000,000 To Customers, Accused of ‘Repeated, Relentless Failure’ To Protect Victims of Fraud​

How the world’s oldest bank brought a city to its knees​

Where We Keep Our Money | Top 8 Safest US Banks To Keep Your Money 2024​

Hypothication - YOU are the collateral​

searcher said:

... The U.S. Federal Reserve is considering a rule change that could save the country's eight largest banks combined billions of dollars in capital, in a potential long-sought win for the industry, according to four people with knowledge of the matter.

At issue is how the central bank calculates an extra layer of capital it imposes on U.S. global systemically important banks (GSIBs), known as the "GSIB surcharge," which it introduced in 2015 to boost their safety and soundness. ...

Click to expand...

Following its stress test earlier this year, the Federal Reserve Board on Wednesday announced final individual capital requirements for all large banks, effective on October 1.

Large bank capital requirements are informed by the Board's stress test results, which provide a risk-sensitive and forward-looking assessment of capital needs. The table shows each bank's common equity tier 1 capital requirement, which is made up of several components, including:

• The minimum capital requirement, which is the same for each bank and is 4.5 percent;
• The stress capital buffer requirement, which is based in part on the stress test results and is at least 2.5 percent; and
• If applicable, a capital surcharge for the largest and most complex banks, which is updated in the first quarter of each year to account for the overall systemic risk of each of these banks.

If a bank's capital dips below its total requirement announced today, the bank is subject to automatic restrictions on both capital distributions and discretionary bonus payments.

Also today, the Board announced that it had modified the stress capital buffer requirement for Goldman Sachs, after the firm's request for reconsideration. Based on an analysis of additional information presented by the firm in its request, the Board determined it would be appropriate to adjust the treatment of particular historical expenses incurred by the bank in the stress testing models' input data, due to the non-recurring nature of those expenses. As a result, the bank's stress capital buffer requirement has been adjusted to 6.2 percent from a preliminary 6.4 percent.

The Board is focused on continuously improving the stress testing framework. To that end, the Board will analyze whether to revise regulatory reporting forms to better capture these types of data and to explore possible refinements to certain model components.

Click to expand...

Fed's Barr unveils sweeping bank capital plan changes after pushback, delays​

• Regulators to reissue draft for more industry feedback
• Wall Street banks say more capital unnecessary
• Banking industry has threatened litigation
• Basel rule may not be finalized before Nov. 5 election

Bank of England eyes growth with lighter bank capital reforms for UK lenders​

• BoE revises approach to mortgage, small business lending
• New rules pushed back to Jan. 1, 2026, to aid implementation
• Reeves says reforms will help banks support growth, investment

Well Fargo's new regulatory trouble may delay asset cap removal timeline, analysts say​