Michelle Bowman Archives - Coin Engineer

Shocking Message from FED Official Bowman to the Crypto World: “Change is Coming”

Haciyev Reşit — Wed, 20 Aug 2025 07:35:56 +0000

FED Board Member Michelle Bowman sent significant messages regarding cryptocurrency and banking oversight in her recent statements. Bowman noted that during her tenure, she removed certain supervisory guidelines that had previously restricted banks from discriminating against customers based on “reputation risk.”

This change allows banks to accept all legally operating entities as customers without discrimination based on business model, political stance, or other factors.

Cryptocurrencies and Regulatory Approach

Bowman also took a softer and more collaborative stance toward digital assets. She explained that the “innovation oversight group” established by the FED two years ago has been dissolved, with supervisory expertise now directly transferred to regional FED banks. According to Bowman, Congress-approved regulations allow digital assets to operate legally both inside and outside the banking system.

She further encouraged the industry to collaborate with regulators to address blockchain and other technological challenges, stating:

“I am committed to changing our culture regarding the adoption and integration of technology and new products/services.”

Capital Regulations and Leverage Ratio

Bowman highlighted a new proposal concerning the Supplementary Leverage Ratio (SLR), aimed at supporting banks’ activity in Treasury markets rather than restricting it. She noted that while Basel III compliance has been completed in other countries, the U.S. is crafting its framework while considering international standards.

Additionally, changes to major banks’ rating systems are planned, addressing stress capital buffers, G-SIB additional requirements, Basel III, and leverage ratio regulations collectively.

Oversight Structure and Potential Changes in the U.S.

Bowman also addressed criticisms of the U.S.’s multi-layered supervisory system, emphasizing that it remains necessary for national and state banks. Any potential change to this system would fall under Congress’s authority.

Bowman’s remarks are being interpreted as a strong signal of forthcoming changes in both the cryptocurrency sector and traditional banking. Investors and banking professionals are closely monitoring the FED’s evolving approach.

You can also freely share your thoughts and comments about the topic in the comment section. Additionally, don’t forget to follow us on our Telegram, YouTube, and Twitter channels for the latest news and updates.

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Markets on Edge Ahead of Fed Decision: What to Expect Tonight

Emre Yumlu — Wed, 30 Jul 2025 10:48:05 +0000

The U.S. Federal Reserve is set to announce its latest interest rate decision later today, and global markets are watching closely. From Bitcoin to Treasury bonds, equities to commodities, every asset class is poised for potential movement depending on what the Fed says—or doesn’t say.

No Change in Rates Anticipated

Since the start of the year, the Fed has maintained its interest rates, and analysts expect this stance to continue tonight. Market pricing currently reflects a 98% probability that the central bank will hold rates steady.

Inflation Still a Wild Card

Although inflation showed signs of retreat in 2023, a 50 basis point rate cut in September 2024 was followed by a renewed uptick in price pressures, with inflation rising back to around 3%. Recent data shows it has eased slightly to 2.7%, but trade tensions and tariff-related uncertainty could keep inflation elevated in the near term.

Fed Chair Jerome Powell has repeatedly emphasized that ongoing tariff concerns are a key reason for the central bank’s cautious approach to easing.

Divisions Within the Fed

Consensus remains elusive inside the Fed itself. According to major U.S. financial outlets, figures like Christopher Waller and Michelle Bowman believe it’s time to begin cutting rates. Meanwhile, others argue that no reductions should take place at all throughout 2025.

The “dot plot” released in June reflected expectations for two rate cuts in 2025. However, no updated projections are expected during tonight’s meeting.

Political Tension: Powell vs. Trump

At 18:00 UTC, Fed Chair Powell will take the stage for his press conference—but interest isn’t limited to monetary policy. The restoration budget for the Fed’s headquarters has sparked controversy in Washington, and some speculate it could even jeopardize Powell’s leadership.

Last week, President Donald Trump visited the Fed building and publicly questioned the project’s cost. The tension between the two was noticeable during the visit, though it reportedly cooled off when Trump remarked, “All I really want from him is lower rates…”

Calm Before the Storm in the Markets

Markets remain unusually quiet in the lead-up to the announcement. Bitcoin is holding steady around $118,000, and volatility across digital assets has dropped significantly in recent days. U.S. Treasury yields are also little changed, reflecting market uncertainty about future rate directions and inflation trends.

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Michelle Bowman Made Striking Comment about CBDC

admin — Wed, 18 Oct 2023 10:19:04 +0000

Michelle Bowman (Federal Reserve Governor) said she didn’t see an argument the US central bank’s digital currency (CBDC) could solve problems compared to other currencies.

Bowman said arguments put forward in favor of CBDC, including resolving disputes on the payment system and financial participation, may not be unique to CBDCs.

In her statement at Harvard Law School’ s roundtable meeting on Tuesday, Bowman said;

I haven’t seen a convincing argument US CBDC can solve any problems more effectively than alternatives for consumers and the economy.”

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”FedNow will break down barriers!” Michelle Bowman said

Bowma, who has been hesitant about CBDCs for a long time, said FedNow could solve these difficulties. FedNow is a service that allows financial organizations to send and receive payments instantly in real-time and shortens the transaction completion time.

Bowman said, “FedNow and a similar private sector service were designed to help make daily payments faster and easier, enable consumers to receive funds instantly with same-day access, and allow small businesses to manage their cash flows more efficiently without transaction delays.”

He said. “Future innovations may further improve these services to more effectively address disputes in the payment system and financial participation.”

However, some federal authorities disagreed with this idea, saying the benefit of CBDC was greater.

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