美联储负责银行监管的副主席米歇尔·鲍曼（Michelle Bowman）宣布计划重组该机构的监管与审查部 门，并将该部门员工数量削减约30%。据媒体援引知情人士称，鲍曼在周四与员工的内部会议上表示， 这一削减预计主要通过人员自然流失、退休和自愿离职激励来实现。 鲍曼于今年6月成为美联储的最高银行监管官员，此前银行业曾赞扬她推动削减监管、调整监管方式的 努力。她一直主导削弱多项拜登时期的监管措施，并放松对华尔街银行的资本要求。 不过，一些官员对此提出批评，包括前美联储监管副主席迈克尔·巴尔（Michael Barr）。巴尔认为，特 朗普时期放松监管和弱化对华尔街的大型银行监管是一个错误。他在本月早些时候表示，2008年金融危 机后实施的强有力改革有助于保护美国的经济"。 上周，美联储向其他美国监管机构展示了一份修订方案，部分官员估算，新方案将使多数大型银行的资 本金总体增幅降至3%至7%之间，这一数字远低于2023年提案中19%的增幅，也低于去年妥协版本提出 的9%。美联储还计划改革银行压力测试，允许华尔街提前了解标准并提意见。 美联储发言人对此未予置评。 该部门的调整正值鲍曼及其他美国监管机构努力放松一系列银 ...

Core Viewpoint - The Swiss government has initiated a formal consultation regarding a significant banking regulation overhaul, allowing UBS seven years to fully capitalize its foreign units [1] Group 1 - The Swiss government is proposing a larger banking regulation overhaul [1] - UBS will have a seven-year period to capitalize on its foreign units [1]

Core Points - The Federal Reserve is holding a meeting to discuss comprehensive reforms to banking regulations [1] - The meeting includes discussions among regulators, bankers, industry lawyers, and other experts regarding the stricter banking rules implemented after the 2008 financial crisis [1] - Potential outcomes of the meeting could lead to significant capital cost savings for large banks, allowing them to engage in more lending and other activities [1] - Skeptics warn that these changes may reduce banks' resilience to future shocks [1] - Federal Reserve Chairman Jerome Powell emphasized the need for effective collaboration among different parts of the capital framework to maintain a safe and sound banking system [1]

Core Viewpoint - The Federal Reserve is seeking feedback on proposed reforms to its regulatory framework for large banks, which aims to make it easier for these institutions to be classified as "well-managed" and thus less subject to operational restrictions [1] Group 1 - The proposed reforms will adjust the regulatory framework for large banks [1] - The changes are intended to facilitate a classification of "well-managed" for large banks [1] - The reforms will potentially reduce operational restrictions on large banks [1]

Core Viewpoint - President Trump is exerting pressure on the Federal Reserve to lower interest rates, suggesting a one percentage point cut, while also hinting at potential changes in leadership at the Fed [1][4]. Group 1: Federal Reserve Leadership - Trump announced that the appointment of the next Federal Reserve chairman will be revealed soon, indicating he has a candidate in mind who is well-respected [2]. - Kevin Warsh, a former Fed governor, is considered a strong candidate for the next chairman, as he has publicly supported Trump's criticisms of the Fed [2][3]. - There are concerns that Trump's intervention in the Fed's leadership could undermine the independence of the institution, affecting future monetary policy effectiveness [3]. Group 2: Interest Rate Policy - Trump criticized current Fed Chairman Jerome Powell, labeling him as a disaster and urging for a significant reduction in interest rates, claiming that the U.S. has not followed Europe in making necessary cuts [4]. - The Fed has maintained the federal funds rate between 4.25% and 4.50% for three consecutive meetings, with officials expressing concerns over economic uncertainties stemming from Trump's policies [5]. - Recent employment data indicates a slowdown in job growth, which may influence the Fed's decision-making regarding interest rates [4][5]. Group 3: Regulatory Changes - Federal Reserve Vice Chair for Supervision, Randal Quarles, is advocating for a comprehensive review and relaxation of banking regulations, arguing that many rules have become overly burdensome [6][7]. - The Fed plans to reassess regulations for large banks, aiming to allow for "orderly failures" without threatening the stability of the banking system [6]. - Quarles emphasized the need for a more sensible approach to bank ratings, focusing on significant risks rather than subjective judgments [7].