Wall Street Gets $2.6 Trillion in Loans Thanks to Trump’s Deregulation: Here’s How It Affects Crypto!

Jakarta, Pintu News – Wall Street will soon gain $2.6 trillion in new lending capacity following the banking deregulation policies of President Donald Trump’s administration.

According to a report from consultancy Alvarez & Marsal, the post-2008 financial crisis easing of capital rules will free up around $140 billion of previously locked-up funds, allowing major US banks to increase business expansion, including financing AI, infrastructure, and crypto markets.

JPMorgan is the Biggest Beneficiary

One of the banks that stands to benefit the most from this policy is JPMorgan Chase, which is expected to release up to $39 billion from their balance sheet. The direct effect is projected to increase:

• Earnings per share (EPS) by 31%
• Return on equity (ROE) of 7%

The increase opens up more room for JPMorgan to lend and invest in strategic sectors, including high-tech financing.

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US central bank supports easing, Europe does the opposite

While this policy has drawn controversy globally, the Federal Reserve and other US financial regulators are in favor of easing capital rules. Michelle Bowman, the Fed’s vice chair of supervisors, said that the strict standards of the past decade have “pushed credit out of the traditional banking system”.

However, this approach is in contrast to the European Union and Switzerland, which are planning:

• Increase bank capital requirements to 1% (EU)
• Increase to 33% (Switzerland), which could force UBS to raise an additional $26 billion after the Credit Suisse rescue.

Global Effect: US Excels, Europe Threatened to Fall Behind

Fernando de la Mora, an analyst from Alvarez & Marsal, mentioned that this deregulation will accelerate the shift of global market share into the hands of US banks, due to greater financing flexibility.

“With fewer restrictions and big funds being freed up, Wall Street will dominate again,” he explained.

Meanwhile, the UK is expected to lower its capital requirements by 8% to remain competitive. This marks a global regulatory policy divergence that could change the international financial landscape in the next few years.

New Credit Focus: AI, Data Center, Energy Infrastructure

This concession is also considered to come at the right time. Huw van Steenis from Oliver Wyman said that the US is in a booming phase of capital investment, especially in the field:

• Artificial Intelligence
• Data centers
• Energy infrastructure
• Reshoring projects (relocation of industries back to the US)

With the new lending capacity, banks are expected to disburse funds to these sectors, accelerating economic growth and job creation.

Not All Agree: Financial Stability Risks Lurk

Despite its growth potential, this policy is not free from criticism. Christine Lagarde, President of the European Central Bank (ECB), warned that regulatory rollbacks could threaten global financial stability.

Andrew Bailey, Governor of the Bank of England, also called for caution against “throwing the baby out with the bathwater” – a metaphor to avoid losing important safeguards for short-term efficiency.

Conclusion

With this massive deregulation, Wall Street is back in control of global growth, with Rp43,000 trillion worth of new lending capacity (converted from $2.6 trillion at Rp16,585/USD). However, the question now is not just about how much money is available, but also where and how it will be channeled.

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Reference:

• Jai Hamid – Cryptopolitan. Wall Street set to gain $2.6 trillion in lending capacity from bank deregulation. Accessed October 13, 2025.