Joe Adler

Lenders are mostly relieved that regulators broadened an exemption for mortgage securitizers to avoid a 5% risk retention requirement, but some are focusing on the plan’s potential impact on securities backed by leveraged commercial loans.

WASHINGTON — Regulators on Friday announced they had finalized guidelines proposed in March that attempt to encourage banks' community development activities beyond their immediate markets.

Stopping a proposed requirement that banks offer "plain-vanilla" credit products was an industry victory in the run-up to Dodd-Frank, but many believe it still survived.

WASHINGTON - State regulators in Florida closed the $25 million-asset Bank of Jackson County, located in Graceville, the 23rd institution to fail this year.

WASHINGTON — The Federal Deposit Insurance Corp. and the Office of the Comptroller of the Currency on Wednesday officially signed off on a joint proposal with the Federal Reserve Board that would implement new liquidity risk standards for large banks.

JPMorgan Chase’s reported attempt to get the FDIC to pay part of its settlement with the government is yet another chapter in a long-running dispute over the 2008 resolution of Washington Mutual.

In September, regulators seized the largest institution to be closed in over three years, the $3.1 billion-asset First National Bank in Edinburg, Texas, throwing cold water on the idea that only the smallest banks are vulnerable now to failure.

News of the government's $13 billion settlement with JPMorgan Chase prompted emotional arguments for and against the bank, as well as satire of all the outrage.

A paper released by the Bipartisan Policy Center suggests that the so-called "push-out" rule for banks' swap business may be unnecessary if regulators effectively implement Dodd-Frank's ban on proprietary trading.

As banks improve their fundamentals, they are paying less in risk-based Federal Deposit Insurance Corp. premiums, helping to boost their bottom lines.

In an advisory, the Federal Deposit Insurance Corp. urged banks to be mindful of gaps in liability coverage for director and officer lawsuits – the same lawsuits the FDIC is filing against failed-bank managers.

WASHINGTON — The Federal Deposit Insurance Corp. told banks Thursday to be wary of liability insurance policies that could still force directors and officers to have to pay civil damages.

The Shared National Credits report cited alarm about syndicated loans made to borrowers with higher leverage than normal, with 42% of such credits "criticized" by regulators.

WASHINGTON — Federal regulators on Wednesday urged banks and other financial institutions to consider loan modification plans for borrowers affected by the government shutdown, which is now in its second week.

The Federal Deposit Insurance Corp. reported continued positive signs about the health of its insurance fund, and said improvement in the industry has also meant lower premiums for some institutions.

The Federal Deposit Insurance Corp. told banks under its watch to prioritize "prudent interest rate risk oversight."

Bankers warn that a default on certain Treasuries could put market collateral at risk, harm overnight lending, drain key sources of liquidity from the market and shatter consumer confidence.

The Consumer Financial Protection Bureau — not one of the six agencies defining so-called "Qualified Residential Mortgages" — could still determine the future of the label under a recent proposal.

Internet-based, short-term lenders have various routes for setting up business, but most of their options expose them to potential legal challenges.

WASHINGTON — The Federal Deposit Insurance Corp. sought to ease concerns about its view of banks' affiliations with online lenders, saying institutions correctly managing their third-party relationships "are neither prohibited nor discouraged" from processing payments for legal entities.