[adamsb6]

Fractional reserve requirements limit the amount of loans a bank can make relative to its deposits.

[JumpCrisscross]

> reserve requirements limit the amount of loans a bank can make relative to its deposits

Reserve requirements haven’t restricted lending for decades. It’s why they’re zero in most of the world, replaced by finer-tuned capital and liquidity requirements. (And deposits != reserves.)

[amanaplanacanal]

That only works if the requirement is above zero. Which it isn’t.

[iamdamian]

Are there still fractional reserve requirements in the U.S.?

[MR4D]

No.

https://www.federalreserve.gov/monetarypolicy/reservereq.htm