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Michelle Bowman

Vice Chair for Supervision, Federal Reserve Board Of Governors

Search every verified Michelle Bowman interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. Michelle Bowman, Vice Chair for Supervision at the Federal Reserve Board of Governors, spoke at an Atlantic Council event on October 1, 2026, discussing efforts to modernize financial regulation. She addressed the Federal Reserve's approach to revising Basel 3 capital requirements, stating that the proposal took a risk-based, bottom-up approach to capture risk appropriately. Bowman noted that some post-Dodd-Frank rules pushed traditional banking activity out of the system and that the revised risk weightings aim to bring some of that activity back. She also commented on the need to observe the effects of a September increase before determining further action, and mentioned ongoing work with international counterparts on regulatory alignment. At the Community Bank Cyber Workshop on September 29, 2026, Bowman delivered opening remarks focused on cybersecurity challenges facing community banks. She highlighted the growing complexity of the cyber threat landscape, including risks from ransomware, business email compromise, and vendor data breaches, and noted that the increased availability and use of AI by threat actors adds complexity. Bowman discussed the Financial Stability Board's report on responsible AI adoption, published under her leadership of the Standing Committee on Supervisory and Regulatory Cooperation, and emphasized the importance of strong cyber hygiene, employee training, and incident response testing. She also reiterated the Federal Reserve's commitment to tailoring IT examinations to consider risk profiles and emerging threats for smaller institutions.

Recent appearances

Verified interview transcripts

Notable quotes

“Well, I think what I would say is today I think we need to see how the September increase makes its way through the economy before we decide what further action may need to be taken.”

“We have not reduced our examination staff at all. They are all resident within our Reserve Bank structure across our 12 Reserve Banks. We have about 4,000 staff that work within the 12 Reserve Banks.”

“The banking system remains sound and resilient. Banks continue to report strong capital ratios and significant liquidity buffers, which position them well to support the US economy.”

“Additionally, together the federal banking agencies finalize an update to the community bank leverage ratio. These changes offer enhanced flexibility without compromising robust capital standards, better positioning community banks to focus on their primary mission to serve the businesses and families in their communities.”

“Our new approach establishes a clear standard for MRAs and matters requiring immediate attention MRIAs to be issued to address deficiencies that could lead to a material impact on a bank's financial condition, not procedural or documentation shortcomings that pose no genuine threat to safety and soundness.”

“In some rural communities, local business leaders are not willing to serve on a community bank board because they would lose the ability to obtain credit cards or lines of credit from the bank or be forced to bank outside of their local rural community.”

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