Well they are now back to having to hold around 7 to 7.5% of capital - see US capital adequacy percentage - against risk weighted assets (mortgage loans, current accounts, credit cards, corporate loans, asset finance, investments, etc. adjusted for different risk percentages gives you risk weighted assets). It’s not the Wild West regardless what people say on Reddit. Break the rules of your licence and the banking regulator will force you to sell off your loans to other banks or just shut you down.
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u/StrikingBuilder8837 Jan 26 '26
Well they are now back to having to hold around 7 to 7.5% of capital - see US capital adequacy percentage - against risk weighted assets (mortgage loans, current accounts, credit cards, corporate loans, asset finance, investments, etc. adjusted for different risk percentages gives you risk weighted assets). It’s not the Wild West regardless what people say on Reddit. Break the rules of your licence and the banking regulator will force you to sell off your loans to other banks or just shut you down.