Topic
Regulatory minimums, such as risk-weighted and leverage ratios, that require banks to hold enough capital to absorb losses and support growth.
Five nonbank servicers hold nearly 59% of Ginnie Mae servicing rights, up from a little over half at the start of the year. Most banks are still staying out despite proposed capital relief, so advances on delinquent government loans fall on a few nonbank balance sheets.
Reality
Federal Reserve stress-test reforms finalized Wednesday put large-bank scenarios out for public comment each January and average results over two years. Banks now get a say in the inputs to their capital requirements, so the question for shareholders is whether banks release the excess capital they have held against random results.
Reality
Federal Reserve proposals charge stablecoin issuers 2% capital on their first $20 billion, falling to 1% above $50 billion. Comments over the next 60 days are the main chance to contest a schedule built for operational losses before rules take effect in January 2027.
Perspective Coverage
12 publishersReality
FDIC regulators put Old Glory Bank under a corrective action directive after its Tier 1 leverage ratio fell to 2.69%, below the 4% minimum. The bank's losses of about $1.3 million a month are eating into roughly $1.9 million of capital above the 2% receivership threshold.
Reality
Federal Reserve proposals released September 24 let insured state member banks seek approval for stablecoin subsidiaries, with a $5 million capital floor. Wallet and software firms cannot apply on that route themselves, so access runs through a bank that controls the issuer.
Reality
Federal Reserve proposals would require $1 of reserves behind every bank-issued stablecoin dollar and redemption within two business days. Banks considering an issuer would also carry a tiered capital charge that starts at 2% of coins outstanding.
Reality
The minimum risk weight on certain senior securitization exposures would fall from 20% to 15% while corporate loans go from 100% to 95%, and Graham Steele says the private credit financing chain behind those numbers is already hard to map.
Reality
Switzerland's upper chamber votes around September 23 on whether Additional Tier 1 bonds can cover half of UBS's foreign subsidiary capital. On the committee's own numbers, that one switch is worth about $7bn.
Reality
Cornerstone Community Bank had to raise $20 million before it could make a loan, and it took more than 230 shareholders and about $27 million to get there. Lawmakers are now weighing that floor.
Reality
Citigroup and JPMorgan Chase are sponsoring home-equity securitizations filled partly with loans from nonbank channels. The capital rule that makes those deals attractive to a bank is not final. Nonbank sponsors are left competing on cost per deal.
Reality
Kim Ja-bong told a Seoul policy forum that new Korean venture investment grew elevenfold since 2002 while money for companies under three years old rose 2.4 times. Panelists pointed at capital rules and missing disclosure infrastructure.
Reality
The regulator cleared the core bank and moved leveraged FX, forwards, merchant acquiring and correspondent banking into a separate queue, each needing its own sign-off before Revolut can sell it in the States. No other charter it granted this year works that way.
Reality