Golden Finance reported that US bank regulators are considering the possibility of downgrading First Republic Bank's credit rating, which may limit the bank's access to financing through the Federal Reserve's credit facilities. Sources revealed that the Federal Deposit Insurance Corporation (FDIC) has given the bank time to reach a deal with the private sector to enhance its financial strength. But after a few weeks, the deal is still nowhere to be seen, so senior officials are increasingly inclined to downgrade First Republic Bank's rating, including the so-called CAMEL rating, which may limit the bank's use of the Federal Reserve's discount window and an emergency loan tool launched last month.