宽松监管派上位？鲍曼履新加剧美联储与华尔街“亲密关系”争议

Core Viewpoint - The confirmation of Michelle Bowman as Vice Chair for Supervision at the Federal Reserve indicates a shift towards more lenient regulatory policies under President Trump's administration [1] Group 1: Regulatory Changes - Bowman has advocated for more "tailored" regulations and suggests a significant change in regulatory focus compared to her predecessor, Michael Barr [1] - She aims to prioritize regulatory reform, restore differentiated regulatory mechanisms, and enhance transparency and accountability in the banking system [1][2] - There is an ongoing effort to simplify regulatory processes, with Treasury Secretary Yellen inviting Bowman and other officials to private meetings [1] Group 2: Capital Proposals - Bowman plans to collaborate with officials from the FDIC and OCC to reintroduce a significant U.S. bank capital proposal known as "Basel III Endgame," which previously proposed a 19% increase in capital requirements for the largest banks [2] - She is also exploring adjustments to the Supplementary Leverage Ratio (SLR), which currently limits banks' ability to purchase traditionally safe assets like U.S. Treasury bonds [2] Group 3: Industry Reactions - Consumer advocacy groups express concern that Bowman's views may favor deregulation, potentially jeopardizing the financial security of ordinary Americans [2] - Industry organizations, such as the Independent Community Bankers of America, support Bowman, citing her real-world experience and understanding of how one-size-fits-all regulations can hinder access to credit for those in need [2]