Regulators released new details on how they will enforce restrictions on charter swaps by troubled banks writes American Banker's Joe Adler.

StoneCastle Cash Management, an investment adviser that provides funding solutions for community banks, is buying a listing service for buyers and sellers of certificates of deposit.

Margin pressure, regulatory hurdles and intense competition will test the nation's smallest banks next year, industry experts predict. Those issues could lead to a resurgence of consolidation among community banks.

An increased cap would almost certainly lead large institutions, hungry for short-term profits, to take greater risks that they are ill-equipped to handle.

Taxpayers should not be paying to increase homeownership or to boost home prices. With interest rates low, lenders can charge for risk and homeowners can pay for it.

Regulators released new details on how they will enforce restrictions on charter swaps by troubled banks.

U.S. Bancorp is beefing up its prepaid card business.

Huntington Bancshares (HBAN) has hired Peter Arendt, a veteran executive from Bank of Oklahoma, to lead a new agribusiness initiative.

Some banks are looking past the short-term economic challenges and betting on a small-business recovery. Here's how executives from Bank of America, PNC, U.S. Bancorp and others assessed the market at SourceMedia's recent Small-Business Banking conference.

Take care of your management team last, not the other way around. Vet new ideas through risk management and audit committees, not the marketing and sales department. Manage incentive compensation around risk-adjusted performance metrics.

The chief executive of Monarch Financial Holdings (MNRK) in Chesapeake, Va., has been elected to the Federal Reserve Bank of Richmond's board.

The president and chief executive of Bar Harbor Bankshares (BHB) in Maine will retire in June. Joseph M. Murphy has held those positions at the company and its Bar Harbor Bank & Trust unit since 2002.

EAST LANSING, Mich. –Michigan State University FCU has won the bidding among seven financial institutions to open a branch in the Sparrow Professional Building in Lansing.

COLONIE, N.Y. – CAP COM FCU, thwarted earlier this year in efforts to build a new headquarters, has a new plan for a headquarters.

Taylor Capital, Standard Bancshares and Community Financial Services are in the process of raising $260 million, prompting calls that the consolidation of still overbanked Chicago will heat up next year.

National Mortgage Insurance, which is based in Emeryville, Calif., said the state's insurance department has approved its application to sell insurance in the Golden State.

Whether it's Warren Buffett's latest views on taxes or his missives to shareholders, market watchers hang on the billionaire's every word. His company Berkshire Hathaway's big stakes in Wells Fargo, Bank of America and American Express have spoken loudly about whom he favors in banking. Click to view highlights of his long, sometimes bumpy, history with banks.

Lingering credit issues and a lengthy CEO search had led some industry observers to wonder if the Mississippi bank might sell itself. The decision to hire the former president of a successful Texas bank might put those rumors to rest.

After six years of declines, lending for so-called Helocs will rise 30 percent to $79.6 billion in 2012, the highest level since the start of the financial crisis in 2008, according to the economics research unit of Moody's Corp.

On January 7, 2013, the IRS will begin accepting electronically-signed income verification forms that are part of the processing of almost every mortgage and loan modification.