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US Fed Requests Comment on Revised Ratings Framework

US Fed Requests Comment on Revised Ratings Framework

by Starling Insights

Starling Insights Editorial Board

Jul 25, 2025

Observations

Earlier this month, the US Federal Reserve Board proposed changes to how it assigns ratings to large banks, potentially reducing the weight of governance and control deficiencies in determining whether a firm is "well managed."

The ratings system is based upon three components: governance, capital, and liquidity. Each of these components can be rated as: broadly meets expectations, conditionally meets expectations, deficient-1, or deficient-2. Today, being rated deficient-1 in any of the three components precludes a firm from being deemed "well managed." The proposal would allow a firm to maintain a "well-managed" designation if it is rated deficient-1 in just one of the three categories.

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