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    To stem the financial crisis, the Federal Reserve purchased massive volumes of Treasury and government agency MBS, ballooning the Fed’s balance sheet to $4.5 trillion. The Fed kept nominal interest rates close to zero. Even now Fed policy rates are negative in real terms. Banks have accumulated $2.34 trillion in reserves balances that earn interest from the Fed while adapting to a myriad of new post-crisis regulations. How has a decade of exceptional Fed monetary stimulus and the regulatory efflorescence affected the US banking system?

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