FILE - Michael Barr, Vice Chairman For Supervision of the Board of Governors of the Federal Reserve System, center, stands along with Sen. Thom Tillis, R-N.C., left, and Federal Deposit Insurance Corporation (FDIC) Chairman Martin Gruenberg as a Senate Banking, Housing and Urban Affairs hearing concludes on Capitol Hill, in Washington, March 28, 2023. (AP Photo/Manuel Balce Ceneta, File)