美联储召开首次银行资本公开会议，AI首度写入监管议程

Core Viewpoint - The Federal Reserve is initiating significant reforms in capital regulation, focusing on transparency and external participation to reshape regulatory paths and alleviate constraints on credit and innovation in the financial system [1][2]. Group 1: Key Discussion Topics - The meeting's core topics included stress testing mechanisms, the calculation methods for the Global Systemically Important Banks (GSIB) surcharge, the implementation path for Basel III Endgame, and potential reforms to the supplementary leverage ratio (eSLR) [4]. - Participants criticized existing rules as overly complex and costly, with a consensus against increasing capital levels, advocating instead for simplified regulations [4][5]. - As of Q1 2025, U.S. large banks held $196 billion in excess capital, representing 16% of their total capital, indicating a backdrop of sufficient capital within the banking system [4]. Group 2: AI in Regulatory Discussions - Artificial intelligence (AI) was introduced as a new topic in banking regulation discussions, with OpenAI's CEO highlighting its rapid integration into financial services, particularly in payments, consulting, and risk management [7]. - The dialogue is seen as the Federal Reserve's proactive response to the risks associated with AI in finance, emphasizing the need for vigilance against potential consumer fraud [8]. Group 3: Regulatory Focus and Future Directions - The Federal Reserve aims to enhance regulatory transparency and incorporate diverse perspectives from various economic sectors, as stated by Vice Chair Michelle Bowman [8]. - The meeting reflects a shift in regulatory focus from Wall Street to the general public, as indicated by recent comments from Treasury Secretary Scott Bessent [8].