2026년 2월 25일 · Unknown · financial · 출처 Yahoo Finance
The Federal Reserve has introduced a draft rule that would change how bank examiners evaluate risk, proposing an end to the use of reputation risk in supervisory decisions.
This initiative follows actions taken by former President Donald Trump to address what he identified as unfair account closures by financial institutions.
The proposal, now open for public comment, would prevent examiners from discouraging banks from serving customers involved in lawful activities.
Instead, supervisory focus would shift to risks posing a direct threat to a bank’s stability and soundness.
In June, the Federal Reserve signalled its intent to remove reputation risk from its bank examination frameworks.
The new measure seeks to formalise this approach by removing references to reputation risk from all relevant supervisory guidance and manuals.
According to the Board, the proposed changes are expected to simplify oversight for banks under its supervision, providing clearer and more objective standards.
Supervisory processes would concentrate on measurable risks such as credit, market, liquidity, and operational concerns.
Eliminating reputation risk could also create broader access for customers and offer regulators greater efficiency in how they manage resources.
This move is consistent with steps taken by other US watchdogs including the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation, which have also worked to exclude reputation risk from their regulatory regimes.
Public feedback on the Federal Reserve’s proposal will be considered before any rule is finalised.
In a statement, Fed Supervision Vice Chair Michelle W. Bowman said: "We have heard troubling cases of debanking—where supervisors use concerns about reputation risk to pressure financial institutions to debank customers because of their political views, religious beliefs, or involvement in disfavoured but lawful businesses.
"Discrimination by financial institutions on these bases is unlawful and does not have a role in the Federal Reserve's supervisory framework."
The update comes amid ongoing litigation involving JPMorgan Chase. The bank recently disclosed in court filings that it closed accounts linked to Donald Trump and his related businesses after the events at the US Capitol on 6 January 2021.
Trump’s $5bn lawsuit against JPMorgan and CEO Jamie Dimon alleges political motivation behind the closures, claims debanking and significant business disruption.
"US Fed moves to drop reputation risk in bank reviews " was originally created and published by Retail Banker International, a GlobalData owned brand.
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