2023 Stress Test Scenarios

The Federal Reserve promotes a safe, sound, and efficient banking system that supports the U.S. economy through its supervision and regulation of domestic and foreign banks. As part of its supervision efforts, the Federal Reserve conducts annually a stress test.

The stress test assesses how large domestic and foreign banks, as well as savings and loan holding companies, are likely to perform under hypothetical recessions. It helps ensure that large banks are able to lend to households and businesses even in a severe recession.