Banks Get Capital Relief: FDIC Approves New Rules
Update: 2025-11-25
Description
Major U.S. bank regulator approves new rules to ease capital requirements, potentially saving banks billions. The Federal Deposit Insurance Corporation (FDIC) has given the green light to relaxed standards for the enhanced supplementary leverage ratio, which could reduce total capital needed by $13 billion. However, individual bank branches may see a 27% drop in capital requirements, totaling $213 billion. The new rules, set to take effect April 1, 2026, aim to boost economic growth by reducing regulations, but critics worry about increased risks within financial institutions. Additionally, the FDIC approved a separate proposal to lower leverage requirements for smaller banks, reducing the community bank leverage ratio from 9% to 8%.
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