Enhanced Transparency and Public Accountability of the Supervisory Stress Test Models and Scenarios; Capital Planning and Stress Capital Buffer Requirement; Enhanced Prudential Standards; etc.
Summary
The Federal Reserve is proposing to make stress tests—which are tests that check if banks can survive financial crises—more transparent by sharing details about how they work with the public. This helps people understand how the government ensures banks stay healthy and safe with customer deposits.
Key Points
- 1Banks will have to explain in detail how the Federal Reserve tests their ability to survive economic downturns and financial emergencies
- 2The Federal Reserve will publicly release more information about the stress test models and scenarios it uses to evaluate bank safety
- 3Banks will need to improve their own financial planning to show they can handle major economic problems (called a 'stress capital buffer')
- 4This affects all large banks and financial institutions that are regulated by the Federal Reserve
- 5The public can submit comments on this proposal until February 22, 2026
Impact Assessment
If you are a consumer, this means you'll have better visibility into how banks are tested for safety, increasing confidence in the stability of the financial institutions where you keep your deposits.
National
Moderate
Key Dates
November 25, 2025
Regulatory Connections
Procedural Rules; Correction
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General Provisions
Television Broadcasting Services: Hutchinson, KS
This summary is for informational purposes only. It may not capture all nuances of the regulation. Always refer to the official text for authoritative information.
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