Loan performance data show the entire case against GSE underwriting standards, and their role in the financial crisis, is based on social stereotyping, smoke and... Read More
Receiving Wide Coverage ... Deriving Pleasure: Too many price quotes will increase trading costs and reduce liquidity. That is the curious (if not spurious) story... Read More
The latest monthly reports from credit card issuers provide more evidence that loss rates will stay abnormally low longer than thought just a few months ago.
Restricting the use of Fannie Mae and Freddie Mac securities in computing the LCR may raise mortgage costs and negatively impact banks' ability to manage liquidity risk.
In an abrupt policy announcement, the Federal Housing Finance Agency declared Tuesday plans to ban force-placed insurance commissions even before its own industry review is complete.
An effective bail-in regime increases the government's ability to impose losses on debtholders and a lower probability of systemic support could increase bank funding costs.
The security services unit of Stanley Black & Decker said it has formed a partnership with EyeLock, a developer of identity management software that authenticates people by scanning their irises.
A recent wave of high-profile executive departures highlights the need for boards to regularly review succession plans and develop future leaders in an environment where top-level talent is limited.
The difference between board members with hands-on banking, compliance and technology knowledge and board members without can mean the difference between a bank's success and failure.
Our best chance to counter the government policies that caused the crisis (and continue to endanger the banking system) is, paradoxically, another distasteful state intrusion.
For many small and midsize banks, AML is all about compliance and getting through an examination without too many bruises. The means overshadow the ends.
Directors should recognize that appropriate professional behavior reinforced by a sense of belonging to a quality franchise constitutes a decisive competitive advantage.
Cypriot lawmakers approved capital controls and legislation to wind down banks as they scrambled to secure a European bailout and avert a financial collapse of the Mediterranean island.
Social media poses daunting dilemmas for bankers who must grapple with new security, regulatory and reputational challenges. A few, like ING Direct, are diving right in, working with Facebook and other sites. But even institutions that hold back will soon face requirements to put in place a complex array policies defining the use of social media in the workplace.
As investigators work to assess who is behind a cyberattack that shuttered banks in South Korea on Wednesday, details are emerging that can help U.S. banks learn from what happened overseas.
As the industry evolves, American Banker keeps pace. Going beyond breaking news and headline events, American Banker's editorial staff digs deeper than the mainstream business press to identify and analyze trends.
Fiserv is a leading global provider of information management and electronic commerce systems for the financial services industry. Learn More
Informa Research Services is the premier provider of competitive intelligence, mystery shopping, and compliance testing services to the financial industry. Learn More
CSC is a leader in private-label, third-party loan servicing with 30+ years of proven experience in delivering effective, cost-effective solutions. Learn More