Viewpoints
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Letter to the Editor: Put Preparedness Ahead of Profitability
American Banker | Nov 11To the Editor:
The three-part series on the topic of what needs to be done with large banks makes a number of important points. That "too big to fail" is really a euphemism for "too big to manage" is spot on.
Letter to the Editor: CFPA's 'Zombie' Effect
American Banker | Oct 21To the Editor:
The analogy between Gramm-Leach-Bliley Act state regulatory authority and the effect of disparate state consumer protection laws under a Consumer Financial Protection Agency is specious, one might even say unfair and deceptive ['Preemption Fight Suffers From History,' Oct. 19].
Letter to the Editor: Report Flawed on Irwin Banks Sale
American Banker | Sep 30To the Editor:
The article from Sept. 25 on the Federal Deposit Insurance Corp.'s agreement with First Financial Bank to take over the Irwin banks ['Acquirer Impresses with Terms Won in Failure Buy'] fails to capture how the process works.
Commentary & Opinion
Cards
Industry Has to Act to Fix CARD Law Income Rule
American Banker | Nov 20A proposal requiring creditors to look at income does not further the purposes of the Credit CARD Act when compared with the detriment such a requirement would impose.
Community Banking
Wall Street-Main Street Divide's a Gaping Issue
American Banker | Nov 20Banks and bankers have got to make every effort to restore the industry's reputation. There is no silver bullet to accomplish this, but here are some steps that would help.
More Community Banking Viewpoints
Markets
How Congress Can Get it Right on TBTF
American Banker | Nov 04First, prevent institutions from reaching the "too big to fail" size and influence in the future, and second, achieve a reduction in size and influence in the current TBTF institutions.
Mortgages
Mortgage Reform Plans Fail to Look Forward
American Banker | Oct 09Reforms that accelerate consolidation into the hands of a few large megalenders would not be healthy for anybody. Consumers benefit most from a range of origination sources.
National/Global
After Failure, Litigation Risk for Directors
American Banker | Nov 18As the FDIC begins the process of pursuing officials of failed FDIC-insured financial institutions, directors and officers coverage becomes a significant asset.
More National/Global Viewpoints
Technology
Getting Set for Change in Bank-to-Bank Transfers
American Banker | Nov 13With the introduction of the revised cover payment type poised to significantly change how global bank-to-bank payments are processed, what is the state of industry readiness?
Washington
Treasury Resolution Plan Solves Nothing
American Banker | Nov 20Treasury's proposal games resolution procedure and increases systemic risk and other "serious financial effects," thereby inviting the problem it purports to control.
Wealth Management
Untapped Potential in Life Insurance
American Banker | Oct 21Life insurance can be an important addition to the products offered by licensed bankers, acting as a 'protective wrapper' for savings, 529 plans, retirement products and debt.
