Opinion | Wall Street Is Gambling With Our Future. The Federal Reserve Must Act Now

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Opinion | Wall Street Is Gambling With Our Future. The Federal Reserve Must Act Now
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'Leaving the clean energy transition to Wall street's voluntary actions is failing. The Federal Reserve needs to act swiftly, using its powerful regulatory tools to rein in banks' reckless fossil fuel financing.'

its international counterparts, these announcements indicate that the Fed is finally beginning to take climate risks seriously.

Now we must push for bolder action. Climate scenario analysis can be useful—depending on the kinds of scenarios used—to assess the risks to financial institutions. But it doesn't have any real teeth. It's merely an"exploratory" exercise at a time when we need the Fed to move from exploring to acting. Waiting for more data must not preclude ambitious action. We have enough information about the dangers of climate change to justify regulatory and supervisory action now.

To truly safeguard financial stability, the Fed must introduce policies that reflect the high risk of fossil fuel investment, like requiring banks to hold more capital against high-carbon assets. Higher capital requirements would disincentivize banks from investing in dirty fuels, and act as a buffer in the event that banks sustain unexpected losses, which is extremely likely given climate change. Eventually, the Fed must place outright limits on fossil fuel lending.

The Fed has been in the news a lot lately for raising interest rates in a misguided attempt to tame inflation by increasing the cost of borrowing and therefore dampening demand. Just last week we saw . But this blunt tool will cause more pain and misery, and it won't tackle the root sources of current inflation, which include our overdependence on volatile fossil fuels, corporate profiteering and supply-side turmoil.

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