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Led by Heitkamp and Tester, they negotiated straight with Crapo, and within a couple weeks, reached a breakthrough on S.2155: the “Economic Growth, Regulatory Relief and Client Protection Act” (pro-regulation teams have taken to calling it the “Bank Lobbyist Act.”) Inside weeks, the bill swiftly passed the Banking Committee 16-7, with Republicans and a bloc of 4 Democrats - Heitkamp, Tester, Donnelly, and Warner - voting down every try and amend it. Indeed, the Fed already had discretion to regulate systemically risky banks before the disaster; we saw how that turned out. Indeed, stadium banks are already treated in another way from mega-banks, raising the query of why the $50 billion threshold needs to be raised. But every time Democrats steered a broader overhaul, Republicans rejected it unless it included pieces for larger banks. Republicans and Democrats who pushed S.2155 by means of the Senate Banking Committee should have heard Citi’s call. But S.2155 would hinder regulators from suing lenders over such practices. Similarly, Tester acquired Powell, the Fed chair, to say that S.2155 doesn’t require the Fed to weaken Dodd-Frank prudential requirements. While former head of financial regulation on the Fed Daniel Tarullo and Dodd-Frank author Barney Frank have supported shifting the threshold to $a hundred billion, going up to 0 billion would come with firms that traditionally have been problematic. Currently, any financial institution with over $50 billion is subject to such standards, which embrace further capital and liquidity necessities, stress exams, and souped-up threat administration.
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