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They'll be fine, between the two of them they earned almost $75 billion in profit last year!
The 'tighter standards' caught my attention:
Federal Reserve finds most banks are now tightening lending standards for most types of loans.
“Banks reported tighter standards and weaker demand for home equity lines of credit (HELOCs). Moreover, for credit card, auto, and other consumer loans, standards reportedly tightened, and demand weakened on balance.”