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Avoid the Mortgage Stress - Stu Lowe \u0026 Assad Naeem BMO Mortgage Specialist how to avoid the stress.A poor result by Bank of Montreal's U.S. unit in the Federal Reserve's annual stress tests could be related to a restructuring that. The annual Dodd-Frank Act company-run stress test results presented in this report estimate the impact of a hypothetical severely adverse macro-. Stress testing helps determine one layer of the CET1 called the stress capital buffer (SCB). It does this by looking at where a bank's CET1 ratio is at the.