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Regulators Choke Off Good Loans in Zeal to Prevent Bad Ones

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Full Retreat: Nonbank Financial Firms Abandon Banking
Insurers and brokerages have myriad reasons for setting up bank subsidiaries, including lower funding costs and a broader array of customer services. But increased regulatory scrutiny is prompting many to change their thinking. Here's a look at nonbanks that have or are looking to shed bank charters, citing the cost and time commitment related to complying with the Dodd-Frank Act and other obligations.

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Comments (2)
Mr. Rossi hit the nail on the head. Very well written and factual. He mentions in his article the 3 C's ( credit, capacity and collateral)What we are missing is the 4th C, COMMON SENSE, which doesn't seemed to exist anymore.
Posted by mtgbk48 | Thursday, February 07 2013 at 2:38PM ET
Very interesting observations. Having tackled the issue of incorporating Type I and Type II errors in the cut off definition of a hybrid decision model (socrecard and CPRs) I can confirm that it is state of the art to include these parameters on the way that you expand you business. NIM, LGD ratios and key statistics of the scoring models should be combined per product line (credit cards, consumer and mortgage loans).
Posted by kalpouzanis.v | Tuesday, March 05 2013 at 8:21AM ET
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