2026-06-04T10:05:06.308Z / 路透社
U.S. Federal Reserve Vice Chair for Supervision Michelle Bowman testifies during a Senate Banking, Housing, and Urban Affairs Committee hearing on an update from the Prudential regulators, on Capitol Hill in Washington, D.C., U.S., February 26, 2026. REUTERS/Kylie Cooper/File Photo Purchase Licensing Rights, opens new tab
华盛顿6月4日电（路透社）——美国顶级银行监管机构计划于周四向国会表示，他们精简银行规则和监管的举措将在不会给金融体系带来不当风险的前提下，提振经济活动与创新。
美联储、联邦存款保险公司以及货币监理署的监管负责人将在众议院金融服务委员会作证，向议员们介绍一项全面工作的最新进展：重新审视并放宽2008年金融危机后出台的多项银行监管规则。
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美联储负责监管事务的副主席米歇尔·鲍曼在周三发布的预准备证词中表示：“通过根据实际风险调整监管要求、将监管重心放在真正重要的事项上，并将创新融入监管框架，美联储正在为银行蓬勃发展创造条件，同时维持强有力的安全保障。”
鲍曼与其他监管机构负责人近期一直在重新审视近年来出台的更严格标准，他们辩称过于严苛的监管阻碍了银行支持经济发展的能力。鲍曼举例称，美联储发现审查人员报告了大量属于程序或文件流程漏洞的银行缺陷，而非真正的金融风险。
联邦存款保险公司主席特拉维斯·希尔在其准备好的证词中表示：“一年多来，我们一直在改革监管工作，将重心放在实质性金融风险上，而非以流程为导向的‘走过场’式要求。”
与此同时，监管机构计划向议员们表明，他们希望鼓励金融领域的创新，既包括银行对区块链技术和人工智能的应用，也涵盖非银行机构的创新。
货币监理官乔纳森·古尔德在准备好的证词中表示：“我们的职责是推动而非阻碍负责任的创新。”
不过，他们也警告称，新技术会给银行带来风险。鲍曼指出，新型人工智能模型“大幅加速”了银行系统脆弱性的识别工作。
本报道由皮特·施罗德采写；辛西娅·奥斯特曼编辑
US bank regulators to tout deregulatory agenda to lawmakers
2026-06-04T10:05:06.308Z / Reuters
U.S. Federal Reserve Vice Chair for Supervision Michelle Bowman testifies during a Senate Banking, Housing, and Urban Affairs Committee hearing on an update from the Prudential regulators, on Capitol Hill in Washington, D.C., U.S., February 26, 2026. REUTERS/Kylie Cooper/File Photo Purchase Licensing Rights, opens new tab
WASHINGTON, June 4 (Reuters) – The nation’s top bank regulators plan to tell Congress on Thursday that their efforts to trim bank rules and oversight will bolster economic activity and innovation without injecting undue risk into the financial system.
The regulatory chiefs of the Federal Reserve, Federal Deposit Insurance Corporation and Office of the Comptroller of the Currency are set to testify before the House Financial Services Committee, where they will update lawmakers on a comprehensive effort to reconsider and soften numerous bank rules put in place following the 2008 financial crisis.
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“By tailoring requirements to actual risk, focusing supervision on what truly matters, and integrating innovation into the regulatory framework, the Federal Reserve is creating conditions for banks to thrive while maintaining the robust safeguards,” said Fed Vice Chair for Supervision Michelle Bowman in prepared remarks posted Wednesday.
Bowman and her fellow regulators have been busy re-examining tougher standards put in place in recent years, arguing that overly punitive oversight has hindered banks’ ability to support the economy. For example, Bowman said the Fed has found that examiners have reported numerous bank deficiencies that were procedural or documentation gaps, not actual financial risk.
“For over a year, we have been reforming supervision to focus on material financial risks rather than on process-oriented, check-the-box requirements,” said FDIC Chairman Travis Hill in his prepared remarks.
At the same time, regulators plan to tell lawmakers they want to encourage innovation in the financial sector, both by banks through utilization of blockchain technologies and artificial intelligence, as well as nonbanks.
“Our job is to facilitate, not stymie, responsible innovation,” said Comptroller Jonathan Gould in prepared testimony.
However, they also warned new technologies pose risks to banks. Bowman noted that new AI models have “dramatically accelerated” the identification of vulnerabilities in the banking system.
Reporting by Pete Schroeder; Editing by Cynthia Osterman
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