Bank Capital & Leverage

US Regulators Ease Post-Crisis Bank Rules: Big Relief for Lending, Risks Ahead

Executive Summary US financial regulators have rescinded the 2013 leveraged-lending guidance, which limited loans with debt-to-EBITDA ratios above six unless certain repayment criteria were met, calling it “overly restrictive” and driving activity into lightly regulated private credit funds [2][5]. Concurrently, a final rule easing enhanced supplementary leverage ratio (eSLR) requirements will reduce capital held by …

US Regulators Ease Post-Crisis Bank Rules: Big Relief for Lending, Risks Ahead Read More »

US Rescinds 2013 Leveraged-Lending Rules: What This Means for Banks & Risk

Executive Summary On December 5, 2025, the FDIC and OCC withdrew the 2013 leveraged-lending guidance that limited bank exposure to loans where debt exceeded about six times earnings, particularly curbing lending by banks to private equity and loss-generating tech firms. This rollback aims to bring more leveraged loan activity under bank supervision and boost competitiveness …

US Rescinds 2013 Leveraged-Lending Rules: What This Means for Banks & Risk Read More »

Scroll to Top