News in Systemic Risk: Thursday, July 20, 2023 (10:00 a.m. ET) July 20, 2023 Analysis: Fed's top regulatory official faces uphill battle to overhaul bank capital (Pete Schroeder; Reuters) BoE reports second-biggest usage of short-term liquidity repo (Reuters) Instant payments finally reach America (The Economist) America’s big banks are in rude health—with one exception (The Economist) Charles Schwab Survived the Deposit Crisis. What Comes Next? (Justin Baer; Wall Street Journal)