Two things that go great together - high risk and reduced capital buffer:
Also today in Trumpfuckistan:
"It doesn't really do a consumer well to be extended credit that they can't afford, they can't reasonably service"
Why not, we've tried it before and it worked out fine after the bailout...
"That means consumers could be saddled with even more debt, heightening the risk of default, but the argument for it appears to be that risk in the market now is unnecessarily low"
"We have unnecessarily low risk, and we need to raise it until we have necessarily excessive risk again"