# How Climate Stress Tests Are Reshaping Bank Lending

Page: https://stenobird.com/podcast/climate-economics-with-fexingo-carbon-pricing-green-policy-and-sustainability-costs-7871781/how-climate-stress-tests-are-reshaping-bank-lending
Text version: https://stenobird.com/podcast/climate-economics-with-fexingo-carbon-pricing-green-policy-and-sustainability-costs-7871781/how-climate-stress-tests-are-reshaping-bank-lending.md
Podcast: [Climate Economics with Fexingo: Carbon Pricing, Green Policy, and Sustainability Costs](https://stenobird.com/podcast/climate-economics-with-fexingo-carbon-pricing-green-policy-and-sustainability-costs-7871781)
Published: 2026-06-12T18:53:50+00:00
Episode link: https://audio.fexingo.com/business/climate-economics/episode-0047.mp3
Audio file: https://audio.fexingo.com/business/climate-economics/episode-0047.mp3
Processing state: not_requested
JSON: https://stenobird.com/v1/public/podcasts/climate-economics-with-fexingo-carbon-pricing-green-policy-and-sustainability-costs-7871781/episodes/how-climate-stress-tests-are-reshaping-bank-lending
Duration seconds: 393

## Resource

Episode 47 of Climate Economics with Fexingo: Lucas and Luna drill into the Federal Reserve's 2025 climate scenario analysis — the one that forced the six largest U.S. banks to model loan losses under a 3-degree warming path. They walk through the specific assumptions: flood risk on coastal commercial real estate in Miami-Dade, drought impacts on agricultural loans in California's Central Valley, and how JPMorgan, Citi, and Wells Fargo are already adjusting credit policies. They also explore the tension between short-term profitability and long-term risk pricing, and why some community banks are fighting back. If you've ever wondered whether climate risk is actually priced into your mortgage or business loan, this episode gives you the concrete mechanics. #ClimateScenarioAnalysis #FederalReserve #BankStressTests #ClimateRisk #LendingPolicy #CommercialRealEstate #MiamiDade #CentralValley #FloodRisk #DroughtRisk #JPMorgan #Citigroup #WellsFargo #CreditRisk #ClimateEconomics #Economics #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo

## Actions

- request_transcript: `POST https://stenobird.com/v1/public/podcasts/climate-economics-with-fexingo-carbon-pricing-green-policy-and-sustainability-costs-7871781/episodes/how-climate-stress-tests-are-reshaping-bank-lending/transcription-requests` — Idempotently request low-priority transcript generation for this episode.
- read_markdown: `GET https://stenobird.com/podcast/climate-economics-with-fexingo-carbon-pricing-green-policy-and-sustainability-costs-7871781/how-climate-stress-tests-are-reshaping-bank-lending.md` — Read the agent-friendly Markdown representation of this episode resource.

A page view does not enqueue transcription. Agents should invoke `request_transcript` explicitly when they need this episode processed.

## Transcript

Full transcripts are not published on public pages unless there is a clear rights basis.