Informed sources say that U.S. banks such as Goldman Sachs, Morgan Stanley, and Bank of America are asking investors to disclose whether they plan to take on additional debt to invest in Significant Risk Transfer (SRT) instruments, as regulators are currently reviewing whether these instruments pose a threat to financial stability. In recent months, at the onset of the promotion process, investors are being asked this question. Currently, authorities have issued warnings to investment firms looking to leverage to purchase SRTs. SRT is a transaction that helps banks sell the risk associated with their loan portfolios. Since the debt supplier will be another bank, to some extent, credit risk is merely being transferred to another part of the financial system.