In a recent speech, Fed Vice Chair for Supervision, Bowman, outlined a comprehensive agenda aimed at modernizing the supervision and regulation of banks. Key proposals include changes to bank rating systems and adjustments to regulatory thresholds, particularly benefiting community banks. Bowman emphasized the need to shift regulatory frameworks from single-metric assessments to more nuanced evaluations, highlighting that these reforms are crucial for effective oversight in the evolving financial landscape. Her vision for 2025 includes significant steps toward regulatory relief and modernization initiatives.