WASHINGTON — Federal regulators released a liquidity proposal Tuesday that would require the largest and most systemically risky U.S. banks to ensure they have access to stable funding for at least a year.

The long-awaited plan is a companion to an earlier rule finalized in 2014 that requires banks to maintain enough high-quality liquid assets to withstand a 30-day crisis. Together, the two proposals are meant to reduce big banks' reliance on short-term funding that can be disrupted during an economic downturn.

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