Are Regional Banks Over Regulated?

The transcript discusses the regulation of systemically important banks, suggesting a higher threshold for stress tests. It reviews the Federal Reserve's internal evaluation of stress tests, focusing on qualitative aspects and challenges faced by regional banks. The strategy for banks under $250 billion in assets is to remove them from qualitative stress tests, reducing compliance costs. The changes are expected to be implemented by the 2017 stress test.

What was the suggested new threshold for systemically important banks according to the Federal Reserve Governor?

• $200 billion

• $100 billion

• $50 billion

• $25 billion

What does the CCAR process evaluate in banks?

• Only the bank's customer satisfaction

• Both quantitative and qualitative aspects

• Only the bank's market share

• Only the bank's profitability

Why did the Federal Reserve object to some capital plans of regional banks?

• Due to low profitability

• Due to excessive market share

• Due to inadequate qualitative elements

• Due to high customer complaints

What is the asset threshold for regional banks to be considered for removal from the qualitative side of the stress test?

• $150 billion

• $100 billion

• $200 billion

• $250 billion

By when does the Federal Reserve hope to implement the proposed changes for regional banks?

• 2018

• 2017

• 2016

• 2015