BankThink

A former attorney with the Office of the Comptroller of the Currency asks why regulators have failed to finalize the rules to implement Section 956 of Dodd-Frank, enacted more than a decade ago.

Brian Graham, partner and co-founder of advisory and investment firm Klaros Group, breaks down what went wrong with Silvergate Capital, Silicon Valley Bank and Signature Bank and what banks can do to avoid the problems that brought these banks down.

In his new book, "A Monetary and Fiscal History of the United States, 1961-2021," economist and former Federal Reserve vice chair Alan Blinder tells the tale of how economic conventional wisdom has evolved over the last half-century.

A researcher tested the prediction that banks will step in when payday lenders face restrictions. They didn't want his business.

It would be unwise to restrict the use of Home Loan bank advances to housing-related lending.

Banks with strong underwriting and stress testing should be well positioned to survive the credit and liquidity issues that may come while being able to continue to serve customers.

A reasonable approach to comprehensive credit risk management can protect banks against the impact of a recession while ensuring the industry doesn't contribute to any potential economic volatility.

No one company can solve this credit scoring problem. Banks, fintechs and innovative startups must come together in partnership to share information and change the existing system.

Treasury Secretary Janet Yellen's latest remarks reaffirming the government's willingness to shore up uninsured deposits at troubled banks seem to have calmed markets, but sooner or later regulators are going to have to articulate an official policy.

A cap on deposit insurance for yield-bearing accounts will still provide necessary market discipline, but other important reforms are needed to assure the safety of the banking system.