Kapitalkraven på USA:s banker mjukas upp.

Likviditetsinjektionen bör ge ett lyft åt aktier och värdepapper. Men manövern ökar också risken i det finansiella systemet.

De striktare regler som nu revideras infördes efter finanskrisen.

Den amerikanska centralbanken Federal Reserves styrelse röstade på onsdagen för att lätta på bankernas kapitalkrav.

Förslaget innebär att kapitalkravet – det kapital bankerna måste hålla som andel av de totala tillgångarna oavsett risknivå – sänks till 3,5-4,5 procent från nuvarande 5 procent för bankerna själva och 6 procent för deras dotterbolag. 

Andreas Stenø Larsen, vd för Steno Research, bedömer att manövern kommer att frigöra 150-200 miljarder dollar. I kronor blir det ungefär 1.500-2.000 miljarder.

Viktor Munkhammar DI 26 juni 2025

https://www.di.se/analys/feds-drag-okar-risken-for-en-krasch/


U.S. Regulators Move to Ease Financial Crisis-Era Bank Capital Rules

Treasury Secretary Scott Bessent has said loosening the requirements would help bolster the U.S. economy

Wall Street Journal 25 June 2025

https://www.wsj.com/finance/regulation/u-s-regulators-move-to-ease-financial-crisis-era-bank-capital-rules-fb526e9a


The proposal followed by a few weeks the ascent of Michelle Bowman, President Donald Trump’s pick to be the central bank’s new vice chair for supervision. 

Bowman’s predecessor, Governor Michael Barr, objected to the plan, which he said would reduce bank-level capital by $210 billion for US global systemically important banks (G-SIB).
 
“Taken together, these changes would significantly increase the risk that a G-SIB bank would fail, orderly resolution would not be possible and the Deposit Insurance Fund would incur higher losses,” Barr said.
https://www.bloomberg.com/news/newsletters/2025-06-25/federal-reserve-poised-to-hand-wall-street-a-big-gift-evening-briefing-americas


The Federal Reserve is walking back a plan to raise the amount of capital America’s biggest banks are required to hold, after intense pushback from the banking industry.

Big Banks Are Supposed to Fail Without Causing Panics. 

Is That Even Possible? - Living wills

https://englundmacro.blogspot.com/2024/09/basel-problems.html


Banks create money when they lend. They also create money when they buy coffee machines

At the end of the transaction JP Morgan has a new coffee machine and Goodlife has $10,000 in its deposit account. 

Frances Coppola 3 September 2021

“The process by which money is created is so simple that the mind is repelled.”

https://englundmacro.blogspot.com/2021/09/banks-create-money-when-they-lend-they.html





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