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American Banker - On Focus and In Depth

Saturday, November 21, 2009, as of 01:50 PM EDT

Viewpoints

Letter to the Editor: Put Preparedness Ahead of Profitability

American Banker | Nov 11

To 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 21

To 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 30

To 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 20

A 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 20

Banks 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.

Markets

How Congress Can Get it Right on TBTF

American Banker | Nov 04

First, 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 09

Reforms 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 18

As the FDIC begins the process of pursuing officials of failed FDIC-insured financial institutions, directors and officers coverage becomes a significant asset.

Technology

Getting Set for Change in Bank-to-Bank Transfers

American Banker | Nov 13

With 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 20

Treasury'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 21

Life 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.

Stress Test Profile

Iberiabank Corp.

Christopher Whalen, a co-founder of Institutional Risk Analytics, a Los Angeles unit of Lord, Whalen LLC.Iberiabank's recent purchase of several failed banks and the possibility of future acquisitions of assets from FDIC bank resolutions make it one of the emerging regional powerhouses in the U.S. banking industry.