In the United States, responding to such problems with these tools would require interagency coordination, which could make their use cumbersome at critical moments.
It is important to acknowledge that there remain cases in which macroprudential tools are either not available or have not been sufficiently tested in the United States, or they may be in conflict  14  See International Monetary Fund (2015) for a broad discussion of many issues in this area. 15  More information about DFAST and CCAR is available www.federalreserve.gov/bankinforeg/stress-tests-capital-planning.htm.