Viewpoints
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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.
Letter to the Editor: Frank: I Misspoke on Preemption
American Banker | Sep 30To the Editor:
As reported accurately by your publication, I said that the issue of preemption would not be resolved in a collegial manner in the House of Representatives ['Treasury Gives Some Ground on Reg Reform,' Sept. 24].
Commentary & Opinion
Cards
Merchant-Paid Debit Rewards a Boon for Banks
American Banker | Oct 30Transaction-based debit rewards that are merchant-funded will likely be the reward system of choice because it increases banks' revenue without requiring them to fund the rewards.
Community Banking
Martin on Retailing - Avoiding Message Overload in Branches
American Banker | Nov 06During a period when more pressure than usual is on us to cross-sell products, the temptation to pile on the marketing is natural. Sometimes saying "less is more" has merit.
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
Third Time's the Charm for Toxic Asset Solution
American Banker | Nov 06Only by adopting an approach that does not fatally impair capital, provide a taxpayer-supported windfall or burden the strained federal budget can we prevent another false start.
More National/Global Viewpoints
Technology
Commercial Lending Needs a New Process
American Banker | Nov 06If you decide to update your commercial lending, the best advice I've heard is "make finding a proven automation solution that would work to mitigate portfolio risk the top priority."
Washington
Recapitalizing the GSEs to Shield Taxpayers
American Banker | Nov 06The only option for limiting taxpayer expense is to set up a "Bad Fannie" and "Bad Freddie" holding the existing portfolios and a "Good Fannie" and "Good Freddie" as cooperatives.
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.
