Federal bank regulatory agencies have finalized a rule to modify the Enhanced Supplementary Leverage Ratio (eSLR) standards, effective April 1, 2026 (with optional early adoption on January 1, 2026). The final rule lowers capital requirements for large U.S. banks (GSIBs), reducing the fixed 2% eSLR buffer to a variable amount equal to 50% of a bank’s Method 1 GSIB surcharge, which frees up balance sheet capacity and acts as a complement to strategies aimed at increasing bank participation in low-risk activities, such as Treasury market intermediation.

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AI Overview
Key Details of the Final Rule:

• Effective Date: April 1, 2026, with an option for early adoption on January 1, 2026.
• Targeted Entities: U.S. Global Systemically Important Bank holding companies (GSIBs) and their subsidiary depository institutions.
• Buffer Reduction: The eSLR buffer for covered depository institutions is capped at 1% above the minimum 3% leverage ratio, rather than the previous 2% buffer, according to Federal Register (.gov) and Office of the Comptroller of the Currency (OCC) (.gov).
• Purpose: To reduce the punitive capital charges on low-risk activities, such as U.S. Treasury market intermediation, and adjust capital standards based on systemic risk, according to Federal Reserve Board (.gov) and JD Supra.
• Impact: The changes are expected to lower funding costs and reduce Tier 1 capital requirements for holding companies by an estimated $13 billion, according to Federal Deposit Insurance Corporation (FDIC) (.gov) and JD Supra. 

Source: Regulatory Capital Rule: Modifications to the Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Their Subsidiary Depository Institutions; Total Loss-Absorbing Capacity and Long-Term Debt Requirements for U.S. Global Systemically Important Bank Holding Companies

A Rule by the Comptroller of the Currency, the Federal Reserve System, and the Federal Deposit Insurance Corporation on 12/01/2025

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The Leviticus 25 Plan would be a perfect complement to this new regulatory change in the Enhanced Supplemental Leverage Ratio (eSLR) for banks.

This regulatory change alone will be “bullish catalyst for treasuries” … allowing “banks to hold more Treasuries on their balance sheets without needing to hold additional capital against them, freeing up the capacity for banks to participate more actively in the Treasury market.” (The Bear Traps Report, Dec 20, 2024)

The Leviticus 25 Plan, through the satisfaction of private sector debt (mortgage debt, student loan debt, household debt, auto loans, credit card debt), would provide a powerful additional enhancement of the eSLR change, with trillions of new dollars flowing into the banking system.  This synergism would allow GSIBs (global systemically important bank holding companies) even greater treasury auction purchasing power, with increased competitive bidding, lower interest rates, and long-term strength and stability for the U.S. Dollar.

The Leviticus 25 Plan would allow the Fed to adjust interest rates in response to price discovery and free market dynamics, rather than reacting to complex statistical evaluations and timing models, not to mention often intense political pressures.

Occasional adjustments over the course of time toward higher rates, to cool sporadic excesses and speculation within the economy, would decrease the likelihood of new ‘bubbles’ popping up in financial markets.  It would be much better tolerated in this new low-debt environment, and it would allow savers to earn millions of dollars in additional interest on their savings.

The Leviticus 25 Plan’s massive public and private debt elimination dynamic will immediately:
1) Generate $37.303 billion federal budget surpluses annually during its first five years of activation (2027-2031), it will pay for itself entirely over the succeeding 10-15 year period, and contribute highly favorable budget gains for state and local government entities;
2) Lower short-term and long-term interest rates;
3) Reduce fraud and waste across many of government’s social insurance sectors;
4) Restore real financial security for millions of American families, rekindle the spirit of self-reliance, and scale back out-of-control government entitlement spending;
5) And generate a long-term economic growth cycle that would benefit all Americans, most notably the 33.2 million small businesses across the U.S..2) Lower short-term and long-term interest rates;

The Leviticus 25 Plan – the most powerful decentralizing economic acceleration plan in the world – is loaded up and ready to launch.

The Leviticus 25 Plan is a dynamic economic initiative providing direct liquidity benefits for American families, while at the same time scaling back the role of government in managing and controlling the affairs of citizens.  It is a comprehensive plan with long-term economic and social benefits for citizens and government.

The inspiration for this plan is based upon Biblical principles set forth in the Book of Leviticus, principles tendering direct economic liberties to the people.

The Leviticus 25 Plan – An Economic Acceleration Plan for America

$95,000 per U.S. citizen – Leviticus 25 Plan 2027 (48914 downloads )

The U.S. economy would benefit very little from Fed rate cuts over the long term, and no one should be pressuring the Fed to ease in our current economic situation – when there is a monumentally better, and more powerful economic acceleration plan loaded up and ready to launch.

What the U.S. needs more than anything is massive public and private debt elimination. The immediate and long-term benefits of a systematic, massive debt elimination plan would dwarf, by orders of magnitude, the limited benefits of any rate-lowering cycle the Fed could ever set in motion.

A rate cutting cycle would have little, if any effect on reducing the $35.5 trillion national debt or the projected $2.0 trillion annual deficits, or the $3.1 trillion of State and Local debt, or the current $18.04 trillion of Household Debt in the U.S..

A rate cutting cycle would do nothing to shrink entitlement spending and reduce the government’s ever-growing footprint across America’s private sector landscape.  It would do nothing to restore real financial security and rekindle the spirit of self-reliance for America’s hard-working, tax-paying U.S. citizens.

It would do nothing to spur a legitimate long-term economic growth cycle, stabilize the credit markets, and strengthen the U.S. Dollar.

A rate cutting cycle at this time would merely be an open door for additional debt accumulation and eventually lead into another rate-tightening phase. And it would penalize savers.

The Leviticus 25 Plan’s massive debt elimination sequence, on the other hand, would
immediately:
1) Generate a series of annual Federal budget surpluses, along with State and Local government surpluses;
2) Reduce fraud and waste across many of government’s social insurance sectors;
3) Restore real financial security for millions of American families, rekindle the spirit of self-reliance, and scale back out-of-control big government social welfare / entitlement spending;
4) And generate a long-term economic growth cycle that would benefit all Americans, and most prominently, the 33.2 million small businesses across the U.S..
5) Lower interest rates across the board, through excess banking sector liquidity / competitive bidding at U.S. Treasury monthly auctions.

The Leviticus 25 Plan will pay for itself entirely over a 10-15 year period.

The Leviticus 25 Plan would allow the Fed to adjust interest rates a function as free market dynamics and price discovery dictated, rather than depending upon complex timing models amid political pressures.

Higher rates would allow savers to earn millions of dollars in additional interest. It would help curb interests in ‘fast money’ and speculation within the economy, and it would decrease the likelihood of new ‘bubbles’ popping up in financial markets.

The Leviticus 25 Plan – loaded up and ready to launch.

The Leviticus 25 Plan – An Economic Acceleration Plan for America

$95,000 per U.S. citizen – Leviticus 25 Plan 2027 (48289 downloads )

US Consumer Debt Delinquencies Soar To Highest Since 2017 While Office Delinquencies Hit Record High

ZeroHedge, Feb 10, 2026 – Excerpts:

It will come as a surprise to exactly nobody that the Fed’s latest quarterly Household Debt and Credit report (for Q4 2025) reported total household debt balances increased by $191 billion in the fourth quarter of 2025, a 1% rise from 2025 Q3, to a new all-time high. Balances now stand at $18.8 trillion and have increased by $4.6 trillion since the end of 2019, just before the pandemic recession. 

This is how various debt balances changed through the quarter: 

• Mortgage balances shown on consumer credit reports grew by $98 billion during the fourth quarter of 2025 and totaled $13.17 trillion at the end of December.
• Balances on home equity lines of credit (HELOC) rose by $12 billion, the 15th consecutive quarterly increase.There is now $433 billion in outstanding HELOC balances, $116 billion above the low reached in 2022Q1. In total, non-housing balances increased by $81 billion, a 1.6% increase from 2025Q3.
• Credit card balances rose by $44 billion during the fourth quarter and now total $1.28 trillion outstanding, up 5.5% since last year.
• Student loan balances increased by $11 billion and now stand at $1.66 trillion.
• Auto loan balances edged up by $12 billion to $1.66 trillion.
• Other balances, which include retail cards and consumer finance loans, rose by $14 billion and now total $564 billion.

New debt originations were also solid in the quarter:

• The volume of mortgage originations, which includes both refinance and purchase originations, increased with $524 billion newly originated in 2025 Q4, an uptick from the $512 billion seen in the previous quarter. It was the highest since 2022 when rates were far lower. 

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Taking a closer look at some of the negative changes below the surface, delinquency rates on loans ranging from mortgages to credit cards rose to 4.8% of all outstanding US household debt in the fourth quarter, up 0.3% sine Q3 2025 and the highest level since 2017, driven by higher defaults among low-income and young borrowers.

As Bloomberg notes, while the overall share of loans in some stage of default is near pre-pandemic averages, the rise in delinquencies among the lowest earners adds to evidence of an increasingly K-shaped economy, and nowhere was it more obvious than in the case of student loans – where with the Biden repayment moratorium has been over for the past year – we have seen a tsunami of both early delinquencies, with 16.3% of student-loan debt became delinquent in Q4 the biggest increase on record in data going back to 2004…

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The Leviticus 25 Plan will be especially beneficial in substantially reducing, and in millions of cases eliminating student loan debt.

It will eliminate vast amounts of auto loan debt, credit card debt, and consumer loan debt. It will allow millions of working American families to substantially pay down, or pay off, trillions of dollars in mortgage debt.

The Leviticus 25 Plan is the most powerful, debt-busting economic acceleration plan anywhere in the world.

The Leviticus 25 Plan – An Economic Acceleration Plan for America

$95,000 per U.S. citizen – Leviticus 25 Plan 2027 (47205 downloads )

“He who will not apply new remedies must expect new evils.” – Sir Francis Bacon

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Federal deficit totaled $1 trillion in beginning of FY2026, CBO says

By Andrew Rice | The Center Square

Mar 9, 2026

(The Center Square) – The United States federal budget deficit totaled $1 trillion in the first five months of fiscal year 2026, according to the Congressional Budget Office.

The latest federal deficit estimate is $142 billion less than the deficit from this time in the previous fiscal year. The CBO saw tariffs raise the amount of money that came into the federal government during the first five months of the fiscal year.

The CBO estimated the government brought in $2.1 trillion in the first five months of the fiscal year, roughly $206 billion more than the same time period last fiscal year.

Maya McGuineas, president of the Committee for a Responsible Federal Budget, called on Congress to decrease federal spending deficits.

“Another month of this fiscal year means another month of borrowing,” McGuineas said. “This cannot be sustainable.”

Collection of customs duties, or money received from tariffs, increased by $109 billion in the first five months of fiscal 2026 compared to the previous fiscal year.

Payments received by corporate income taxes decreased by $33 billion in fiscal year 2026. The government also received a $77 billion increase from income and payroll taxes and a $52 billion increase in withholdings from paychecks.

The government spent $3.1 trillion in the first five months of fiscal year 2026, a $64 billion increase from the same time period last fiscal year.

Spending on Social Security, Medicare and Medicaid made up the largest portions of government expenditures over the last five months. Social Security benefits spending rose by $48 billion, in part due to the enactment of the Social Security Fairness Act that increased payments for certain recipients, beginning in March 2025.

Medicare payments increased by $34 billion, which included a $16 billion settlement for Part D prescription drug plans in November 2025. Medicaid payments increased by $22 billion, due to rising enrollment costs.

February in particular saw a substantial increase in the deficit compared to the same period last year. The federal government took on $308 billion in February 2026, $1 billion more than in February 2025.

The CBO explained this deficit figure would have been substantially larger if payments for the federal government were not changed since Feb. 1 and March 1 fell on weekends. In February, defense spending increased by $6 billion; interest on debt increased by $6 billion; and Social Security increased by $10 billion. 

Overall, CBO projected the government would see a $1.9 trillion deficit for fiscal year 2026, with the debt to surpass records by 2030. MacGuineas called on Congressional leaders to take a firm approach against deficit spending and enact a 3% deficit-to-GDP target.

“Our fiscal problems will not solve themselves,” MacGuineas said. “We need policymakers to come together, agree to reduce deficits – a 3% deficit-to-GDP target would be a great start – and put our national debt on a downward sustainable path as a share of the economy.”

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The Leviticus 25 Plan is currently the one and only economically viable, politically expedient economic plan — with the raw power that is critical to resolving America’s burgeoning fiscal crisis.

The Leviticus 25 Plan will generate massive new general tax revenue flows and payroll tax revenue flows, through revitalized economic growth. Increased payroll taxes for the Social Security and Medicare Trust Funds will be substantial.

The Plan will save the federal government $1.366 trillion through its income tax recapture benefit, and generate enormous fiscal recovery benefits for state and local governments.

$3.224 trillion in federal government ‘safety net’ program outlays will eliminated with the plan’s direct $60,000 liquidity extension to qualifying U.S. citizens. Additonal savings to state and local government entities will also be substantial.

The U.S. Healthcare Freedom Plan component, allocating $35,000 per qualifying U.S. citizen, restore citizen-centered health care across America. It will lift people up out of poverty and off the Medicaid rolls. And it will also save the federal government trilions of dollars in Medicare, Medicaid, VA, TRICARE, FEHB outlays through the $7,000 annual deductible for primary health care services.

The Leviticus 25 Plan will generate $37.303 billion federal budget surpluses annually during its first five years of activation, 2027-2031

The Leviticus 25 Plan is a dynamic economic initiative providing direct liquidity benefits for American families, while at the same time scaling back the role of government in managing and controlling the affairs of citizens.  It is a comprehensive plan with long-term economic and social benefits for citizens and government.

The inspiration for this plan is based upon Biblical principles set forth in the Book of Leviticus, principles tendering direct economic liberties to the people.

The Leviticus 25 Plan – An Economic Acceleration Plan for America

$95,000 per U.S. citizen – Leviticus 25 Plan 2027 (47204 downloads )

Major economic contractions, when they hit, lead into financial turmoil for working Americans…

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Warren Buffett retires and sends $373 billion warning about US economy

By SADIE WHITELOCKS, US SENIOR REPORTER

DailyMail – Updated: 19:58 EST, 2 March 2026

Finance experts say the final moves of legendary investor Warren Buffett as chief executive of Berkshire Hathaway may be sending a warning about the US economy.

In recent quarters, Buffett and his investment deputies, Ted Weschler and Todd Combs, consistently sold more stocks than they bought….

As a result, Berkshire has built up a huge cash position of around $373 billion after 13 straight quarters of net stock sales…. he argues that when valuations are this high, history suggests the market could be vulnerable. 

In past periods with similarly high valuations, the S&P 500 has gone on to fall by as much as 30 percent over the following three years.

A drop of that size would not just affect Wall Street – it could ripple through the wider economy. 

Finance experts say the final moves of legendary investor Warren Buffett as chief executive of Berkshire Hathaway could be sending a warning about the US economy

When stock prices fall sharply, retirement accounts and investment portfolios lose value. 

This often leads households to cut back on spending, a phenomenon known as the ‘wealth effect.’ Because consumer spending makes up the bulk of US economic activity, that pullback can slow overall growth.

Falling markets can also hurt business confidence. Companies may delay hiring or expansion plans if share prices drop and financial conditions tighten. 

If borrowing becomes more difficult and unemployment starts to rise, the risk of a recession increases, although a market decline does not on its own cause one….

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The Great Financial Crisis of 2008-2010 was precipitated by major U.S. and foreign banks gorging on subprime debt, rate-shopping the paper they were bundling, and then plummeting below their capital requirements when the housing market went bust.

The Federal Reserve promptly bailed out these multi-national banking behemoths through various credit facilities. None of the principals associated with these TBTF institutions had to take a ‘hair cut.’

Millions of American families, however, did…

It was an absolute economic disaster for Main Street America:
8.7 million jobs lost;
10.1% unemployment;
10 million home foreclosures (2006-2014);
1.8 million small business foreclosures.

Now is the perfect time to get working American families substantially out of debt… and help get Main Street America properly and effectively insulated from the next financial crisis.

There is precisely one economic acceleration plan currently on the table with the raw power to protect the interest of millions of U.S. citizens and get America back on track.

The Leviticus 25 Plan – An Economic Acceleration Plan for America

$95,000 per U.S. citizen – Leviticus 25 Plan 2027 (46768 downloads )

‘The bill is coming due”….and Main Street America Republicans have the plan to pay for it. In full.

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America has a very expensive promises problem — and the bill is coming due

Unless America changes expectations or sacrifices are made on both sides of the aisle, the debt clock keeps running

By Ted Jenkin Fox News | Published February 24, 2026

Excerpts:

… [T]he U.S. Debt Clock keeps spinning like a Vegas slot machine that only pays out in red ink.

As of 2026, the United States owes roughly $38.5 trillion, and it’s climbing about $8 billion per day. The net interest payments on the debt officially exceed our annual defense budget….

The Congressional Budget Office estimates current policy paths keep deficits near $2 trillion annually and push debt to about 120% of GDP within a decade. 

Here’s the translation. Even if the economy hums at an insane rate of GDP growth, the government is still spending dramatically more than it collects. Why is it that nobody really understands revenue and expenses in Washington, D.C., and that 85% of our revenue comes from the two buckets of personal income tax and payroll tax?

The Real Problem Isn’t Taxes or Tariffs….

It’s interest. Lots and lots of interest. Interest on the debt alone is projected to exceed $1 trillion in 2026 and now roughly 14% of federal spending….. 

It’s like playing credit card roulette and the interest just keeps compounding with no end in sight. No State of the Union message Republican or Democrat can outgrow a compounding interest bill this large.

Politicians Don’t Like To Campaign On Math
Last fiscal year:
Government spent: $7.01 trillion
Government collected: $5.23 trillion
Annual deficit: $1.78 trillion

To erase the deficit overnight, you would need one of the following:

• Raise taxes roughly 35% (think about top tax rates going from 37% to 50%) and remember almost half the people in America don’t pay federal taxes whatsoever.
• Cut benefits massively, which really means one of the big three: Medicare, Social Security or Defense.
• Or grow the economy at wartime levels for a decade.

Do any of those sound realistic to you?…

The Real State Of The Union

The federal debt isn’t going to be eliminated.

It will be inflated away, written off, monetized, or slowly eroded by negative real interest rates because, mathematically, a $38.5 trillion balance sheet cannot be balanced with incremental policy tweaks. The U.S. doesn’t default. It dilutes.

Presidents don’t control the deficit anymore. Trump can change tax policy. He already did it. Congress can try to change spending. But they rarely agree. But reality is reality…

Unless America changes expectations or sacrifices are made on both sides of the aisle, the debt clock keeps running no matter whose name is on the Oval Office door. The debate in Washington is ideological. The risk to all of us is our standing to wear the crown of being the world’s currency.

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Main Street America Republicans present the most powerful economic acceleration plan in the world: The Leviticus 25 Plan.

• Immediate $37.303 billion federal budget surpluses annually 2027-2031; self-financed over the succeeding 10-15 years.
• Immediate, massive budget gains for state and local governments;
• Immediate, massive debt elimination and restored financial security for millions of hard-working, tax-paying American families;
• Lower interest rates across the curve, credit market stability;
• Citizen-centered health care;
• Revitalized, long-term economic growth.

The Leviticus 25 Plan is a dynamic economic initiative providing direct liquidity benefits for American families, while at the same time scaling back the role of government in managing and controlling the affairs of citizens.  It is a comprehensive plan with long-term economic and social benefits for citizens and government.

The inspiration for this plan is based upon Biblical principles set forth in the Book of Leviticus, principles tendering direct economic liberties to the people.

The Leviticus 25 Plan – An Economic Acceleration Plan for America

$95,000 per U.S. citizen – Leviticus 25 Plan 2027 (46765 downloads )