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DFAST 2.0 blurs the line between liquidity stress testing (Liquidity Coverage Ratio - LCR) and solvency stress testing (DFAST). The new scenarios assume that a solvency scare immediately triggers a liquidity run. This forces banks to maintain high-quality liquid assets (HQLA) not just for LCR compliance, but to buffer the DFAST capital ratio declines, effectively double-counting the need for pristine liquidity.

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