
Are U.S. Banks Safer in 2025 Or Headed for Trouble Again? Loosened Rules, Lingering Risks, and What’s Being Done to Prevent Collapse
In 2025, U.S. banks are showing strong earnings, but risks remain. Loosening key rules like the Enhanced Supplementary Leverage Ratio (eSLR) for big banks such as JPMorgan and Goldman Sachs, spark debate about financial stability. While stress testing, liquidity coverage, and risk-based capital requirements remain in place, concerns about loan defaults, market volatility, and recent bank failures are resurfacing. This article breaks down the latest U.S. banking regulations, the risks of a potential bank collapses, and what’s being done to prevent another financial crisis.