Federal Reserve Alert! July 2023 Senior Loan Officer Opinion Survey on Bank Lending Practices. Banks plan to further tighten lending standards across all loan types. Why? Expected decline in collateral value, Anticipated decrease in credit quality, Predicted liquidity challenges, & Deposit Outflows.

by Dismal-Jellyfish Table 1 (PDF) | Table 2 (PDF) | Charts (PDF) Wut Mean?: Commercial and Industrial (C&I) Lending: Banks tightened standards for C&I loans to businesses of all sizes. All loan terms for C&I loans, like rate spreads, premiums on riskier loans, credit …

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The Federal Reserve has $910 billion in losses

by Simon Black The Federal Reserve– the most critically important central bank in the world– is completely, hopelessly insolvent. This isn’t some wild conspiracy theory or overly dramatic interpretation of the facts; we’re extremely data-focused in this organization and base …

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Federal Reserve Alert! The Fed announces the individual capital requirements for all large banks, effective on October 1. The minimum capital requirement is 4.5 percent; The stress capital buffer requirement is at least 2.5 percent. Buckle up!

by Dismal-Jellyfish Source: https://www.federalreserve.gov/publications/files/large-bank-capital-requirements-20230727.pdf Wut mean?: Following its stress test earlier this year, the Federal Reserve Board today announced the individual capital requirements for all large banks, effective on October 1. Large bank capital requirements are in part determined by the …

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Federal Reserve Alert! Upcoming 6-Month Regulatory Plans Focus on Strengthening Support from Big Bank Companies–Looks Like the Fed is Revisiting Stalled Dodd-Frank Required Rules from 2017 & 2017?

by Dismal-Jellyfish https://public-inspection.federalregister.gov/2023-14556.pdf Prerule Stage: SOURCE OF STRENGTH (SECTION 610 REVIEW): Purpose: The Federal Reserve, along with the Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC), is working on a proposed rule. What It’s About: This …

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Can Fractional Reserve Banking Survive?

via Doug French: Caitlin Long tweeted over the July 4 weekend, “BIG NEWS for #fintech! A sixth US state—Idaho—is willing to charter uninsured, non-lending, 100% reserve banks that are eligible for Fed master accounts (the other states are CT, ME, NE, VT & …

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Economic and social terrorism by elite and Federal Reserve rewards speculators; Financial conditions are loosening at a fairly steady clip, even as the Fed prepares to hike rates to the highest level since 2001.

Darth Powell knows: This is the result of economic and social terrorism caused by the elite/donor class and Federal Reserve. Rewarding the most worthless, least productive members of society (asset price speculators) over actual production/innovation. https://t.co/UhRkGnrXJL — Darth Powell (@VladTheInflator) …

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Federal Reserve Board announces a consent order and a $268.5 million fine with UBS Group AG, of Zurich, Switzerland, for misconduct by Credit Suisse. The misconduct involved Credit Suisse’s unsafe and unsound counterparty credit risk management practices with Archegos

by Dismal-Jellyfish https://www.federalreserve.gov/newsevents/pressreleases/files/enf20230724a1.pdf The Federal Reserve Board on Monday announced a consent order and a $268.5 million fine with UBS Group AG, of Zurich, Switzerland, for misconduct by Credit Suisse, which UBS subsequently acquired in June 2023. The misconduct involved …

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Federal Reserve Alert! Federal Reserve announces that its new system for instant payments, the FedNow® Service, is now live. What Is It, and What Does It Do?

by Dismal-Jellyfish Source: https://www.federalreserve.gov/newsevents/pressreleases/other20230720a.htm The Federal Reserve on Thursday announced that its new system for instant payments, the FedNow® Service, is now live. Banks and credit unions of all sizes can sign up and use this tool to instantly transfer …

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Massive US Oil Caverns Sit Empty in Threat to Energy Security (Biden Has Drained 46% Of Strategic Petroleum Reserve, Gasoline Prices UP 48% Under Bidenomics, US Dollar Down -12.5% Since September 2022)

by confoundedinterest17 So far, President Biden has drained almost 50% of the Strategic Petroleum Reserve (SPR) under his Reign of Error. And regular gasoline prices are up 48% since Biden assumed the Presidency on Jan 20, 2021. We have massive caverns …

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Federal Reserve Alert! Fed Releases Public sections of July 2023 Resolution Plans aka “Living Wills” for: Bank of America, Bank of New York Mellon Corp, Citigroup, Credit Suisse, Goldman Sachs, JPMorgan Chase, Morgan Stanley, State Street Corp, and Wells Fargo & Co.

by Dismal-Jellyfish Bank of America (PDF) Bank of New York Mellon Corp (PDF) Citigroup (PDF) Credit Suisse (PDF)***** Goldman Sachs (PDF) JPMorgan Chase (PDF) Morgan Stanley (PDF) State Street Corp (PDF) Wells Fargo & Co (PDF) ***** Credit Suisse submitted …

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Federal Reserve Alert! Beige Book July 12, 2023: “many contacts reported an inability to fully pass on increased costs to consumers, which has compressed margins.” Is the ‘Greedflation’ Peak in Sight?

by Dismal-Jellyfish https://www.federalreserve.gov/monetarypolicy/beigebook202307.htm Overall Economic Activity Overall economic activity increased slightly since late May. Five Districts reported slight or modest growth, five noted no change, and two reported slight and modest declines. Reports on consumer spending were mixed; growth was generally …

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Inflation Alert! The Reserve Bank of New Zealand’s Monetary Policy Review July: The Official Cash Rate (OCR) held at 5.5%. Employment above sustainable level, Consumer spending slows. Could this be the start of other central banks pausing this time as the Fed take the lead with the July rate hike?

by Dismal-Jellyfish https://www.rbnz.govt.nz/hub/news/2023/07/official-cash-rate-remains-on-hold Highlights: The RBNZ has decided to keep the Official Cash Rate (OCR) at 5.50%. Remember, this is the rate of interest which the RBNZ charges on overnight loans to commercial banks. The RBNZ expects the OCR to …

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Biden Drains Strategic Petroleum Reserve For 14th Straight Week (SPR Down -46% Under Bidenomics, Reg Gas Price UP 48%, Diesel Fuel UP 47%) Hunter In The West Wing With A Straw!

by confoundedinterest17 What is Bidenomics? It isn’t what Press Secretary Karine Jean Pierre thinks. She said Biden hates “trick down economics”. Instead, Biden prefers a Soviet-style command economy where The Federal Government spends trillions of dollars and directs where the …

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Federal Reserve reveals the 57 companies cleared to use FedNow

The Federal Reserve has announced that 57 companies have completed the formal testing and certification process for FedNow, clearing them to begin using the new instant payment system once it launches later in July. https://www.kitco.com/news/2023-07-03/Federal-Reserve-reveals-the-57-companies-cleared-to-use-FedNow.html full list of participants https://www.frbservices.org/financial-services/fednow/organizations-certified …

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FDIC Chair: “In the near term, the FDIC, together with the Federal Reserve & the Office of the Comptroller of the Currency, will issue a notice of proposed rulemaking to seek public comment on changes to the U.S capital framework to consider how best to incorporate the finalization of Basel III.”

by Dismal-Jellyfish Source: https://www.fdic.gov/news/speeches/2023/spjun2223.html TLDRS: After the 2008 financial crisis, banks were found to be undercapitalized and over-leveraged, leading to a complete overhaul of capital requirements through a set of rules known as Basel III. The aim was to ensure banks …

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Federal Reserve issues FOMC statement: the Committee decided to maintain the target range for the federal funds rate at 5 to 5-1/4 percent.

by Dismal-Jellyfish Source: https://www.federalreserve.gov/newsevents/pressreleases/monetary20230614a.htm Recent indicators suggest that economic activity has continued to expand at a modest pace. Job gains have been robust in recent months, and the unemployment rate has remained low. Inflation remains elevated. The U.S. banking system is …

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