US banking regulators unveiled plans to force regional banks with over $100 billion in assets to issue more long-term debt. This new debt requirement aims to protect depositors in case these larger regional banks fail. The debt would act as a layer of capital to absorb losses before uninsured deposits are affected, allowing regulators to seize or resolve a failing bank. Regulators may also update guidance on risks like high uninsured deposit concentrations and potentially change deposit insurance pricing to discourage risky behavior.