美联储提议放宽刺激银行按揭贷款的规则,旨在扭转2008年后的下降趋势。 The Fed proposes easing rules to boost banks' mortgage lending, aiming to reverse post-2008 decline.

美联储提议修改监管条例,通过调整按揭服务权和贷款与价值比率的资本要求,鼓励银行重新进入按揭市场,以期扭转2008年以来银行参与率下降的趋势。 The Federal Reserve is proposing regulatory changes to encourage banks to re-enter the mortgage market by adjusting capital requirements for mortgage servicing rights and loan-to-value ratios, aiming to reverse a decline in bank involvement since 2008. 这些改革由副主席米歇尔·鲍曼领导,可以减少合规负担,使抵押贷款对银行更有吸引力,有可能增加竞争和消费者的选择。 The reforms, led by Vice Chair Michelle Bowman, could reduce compliance burdens and make mortgage lending more attractive for banks, potentially increasing competition and consumer options. 尚待最后批准,可能需要更广泛的监管救济,以充分恢复银行的参与。 Final approval is pending, and broader regulatory relief may be needed to fully restore bank participation.