The Fed's review found "four key takeaways on the causes of the bank's failure." The first fingers management. Nos. 2 to 4 criticise supervisors.
> What about the endless oversight so famously wrapped around every bank right now
SVB was not subject to liquidity coverage ratios (LCRs), a regulatory rollback pushed through in 2017 [1]. Had SVB been, they would have breached their LCR in March of 2022.
> Is it true that you cannot in reality start a Bank in the USA without an Oracle license?
No. Kentland Federal Savings and Loan doesn't use computers [2].
> Does this Federal Reserve have the ability to make rules that work for Banks in 2023 after the extended-lifetime cash QE
Yes, the same book other banks follow. (Our pretending HTM securities always preserve value and are liquid assets is an ongoing farce that is being fixed.)
[1] https://apnews.com/article/banking-crisis-congress-lobbying-...
[2] https://www.indiatimes.com/worth/news/america-smallest-bank-...