金融监管新动向：美联储牵头 三大监管机构剔除银行“声誉风险”考核

Core Viewpoint - The Federal Reserve has announced the cessation of incorporating reputational risk assessments in bank reviews, responding to criticisms from banking groups and Republican lawmakers regarding the fairness of this mechanism [1] Regulatory Changes - The Federal Reserve is revising the relevant language in regulatory documents to replace the reputational risk framework with more specific financial risk analyses, while maintaining strict requirements for banks' risk management [1] - This policy shift aligns with Chairman Powell's earlier commitment to remove provisions that allowed regulators to track banks' "controversial statements or activities" [1] Industry Reactions - Critics have pointed out that some bank examiners have used reputational risk to pressure financial institutions to sever ties with clients in the cryptocurrency sector, gun industry, and politically sensitive customers, even when these relationships did not pose a tangible threat to bank asset safety [1] - The term "de-banking," introduced during the Trump administration, has resurfaced, referring to the unilateral termination of services to specific clients by financial institutions, although consumer advocacy groups argue that the severity of this issue is overstated [1] Broader Regulatory Impact - The regulatory reform movement has prompted a chain reaction, with the acting chairman of the FDIC, Travis Hill, stating in March that the agency plans to completely remove reputational risk from the regulatory framework [1] - The OCC also announced earlier this year the removal of related language from its examination manual, indicating a significant shift in the regulatory framework governing the U.S. banking industry [1]