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Regulation & Reform News


OCC Official: Countries Making Progress Adopting Basel III

Donna Borak | May 14
A senior U.S. regulatory official said Tuesday that global policymakers charged with adopting higher capital and liquidity requirements are gradually inching toward implementation.
Comments (1)
Regulation & Reform

The Risks of Oversimplifying Stress Test Models

Tony Hughes | May 14
It’s important that models for stress-testing be capable of representing the nuances of the questions they are asked to answer. Insights would be lost if models are kept too simple.
Comments (1)
Risk Management
Regulation & Reform

Key to Saving the Student Loan Market? Hint: It's Not Banks

Rachel Witkowski | May 13
The Consumer Financial Protection Bureau's push to encourage private lenders to refinance student loan debt is raising questions about whether the agency is focusing on the right target.
Comments (1)
Consumer Finance
Community Banking

Housing to Collapse in Fannie, Freddie Pullback, Pimco's Simon Warns

Kate Berry | May 13
Scott Simon, head of mortgage-backed securities operations at fixed income giant Pacific Investment Management Co., argues on the eve of his retirement that the government-sponsored housing enterprises should continue to play a major role in housing finance.
Comments (2)
Regulation & Reform
Mortgages

JPMorgan Says It Faces Enforcement Hit on Consumer Products

May 13
JPMorgan Chase said it will face enforcement action from federal regulators over its collection practices and add-on products commonly appended to credit cards.
Consumer Finance
Regulation & Reform

Crapo Voices Concern Over CFPB Data Gathering

Victoria Finkle | May 13
Sen. Mike Crapo, the top GOP lawmaker on the Senate Banking Committee, is requesting more information about the Consumer Financial Protection Bureau’s data collection practices.
Regulation & Reform

Eighteen Firms Will Submit Bank-Led Stress Test Results

Donna Borak | May 13
The Federal Reserve Board said Monday that the largest U.S. bank holding companies will submit results of their company-run, midyear stress tests to regulators this summer.
Comments (1)
Regulation & Reform

Bank Discrimination Suit Highlights D.C. Insanity

Neil Weinberg | May 13
Bankers truly face a Catch-22 in the lending business these days, thanks to "qualified mortgage" and disparate impact laws.
Comments (3)
Mortgages
Consumer Finance

More than Regulation Is Killing Small Banks

Anshuman Sindhar | May 13
The gradual erosion of net interest margins and a compensatory shift toward risky new lending strategies for additional yield is a major factor for high chargeoffs and community bank failures.
Comments (7)
Regulation & Reform
Washington

Regulators Seize Two Banks Owned by Capitol Bancorp

Robert Barba | May 10
Regulators on Friday seized two banks owned by the $1.6 billion-asset company. The failures could tangle the Lansing, Mich., company in what the Federal Deposit Insurance Corp. calls the cross-guarantee liability, meaning that the agency has the ability to charge Capitol's nine surviving banks with the cost of the failures.
Mergers & Acquisitions
Regulation & Reform

N.Y. AG Faces Tough Task in Suing Servicers

Jeff Horwitz, Kate Berry | May 10
New York's Attorney General charged Bank of America and Wells Fargo with hundreds of cases of failure to comply with the national mortgage servicing settlement recently. The claims made for lots headlines but may prove a nonstarter in court.
Comments (1)
Consumer Finance
Regulation & Reform

Former FDIC Chairman Defends Pritzker Nomination

Rob Blackwell | May 10
Penny Pritzker, Obama's pick for Commerce Secretary, acted commendably in the failure of Superior Bank, says former FDIC chairman William Isaac, who represented her in talks with regulators at the time.
Comments (2)
Washington
Regulation & Reform

Poll Results: Should Pritzker Be Commerce Secretary?

May 10
Risk Management
Regulation & Reform

OpRisk, the New Six Sigma; Debating the Leverage Ratio; Is Money Laundering a Real Crime?

May 10

A recap of the informed opinions (and the discussions they generated) on BankThink this week.
Consumer Finance
Technology

Consumer Groups Tear Into Agencies' First Steps on CRA Reform

Joe Adler | May 10
The National Community Reinvestment Coalition and other consumer groups say the bank regulators did not go far enough in proposing changes to Community Reinvestment Act examinations.
Community Banking
Consumer Finance

In Pictures
Comments of the Week: Fair Lending Insanity; Split Chairman and CEO Roles?

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