The purpose of these tests is to try to assess how much additional capital and what kind of capital they need so they will be able to lend and support the economy even in a situation worse than we currently expect.
Bernanke discusses the need for banks to maintain adequate capital for future economic challenges.
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We all agree that the burden of regulation falls particularly heavily on small community banks which don't have the resources to manage those regulations very effectively.
Does this need to get done so that institutions know what the appropriate boundaries are?
As you know, health care is a very complicated subject and nobody has a single answer.
an increasing share of losses have arisen from prime mortgages that were originally fully documented with significant downpayments, but have defaulted due to the weak economy and housing markets.
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