Dodd-Frank

WASHINGTON — Sen. Jack Reed, D-R.I., reintroduced legislation Monday that would require the president of the Federal Reserve Bank of New York to be nominated by the White House and confirmed by the Senate.

Sheila Bair, the former chairman of the FDIC, has the answer for significantly reducing the regulatory burden on small banks: give regulators the power to exempt institutions with less than $10 billion of assets from any new or existing regulation.

There's nothing wrong with big banks gaining market share because they offer the products and services that customers want. But there's a problem when big banks can beat off their smaller rivals with a club fashioned by legislators and regulators.

The fight over the Dodd-Frank threshold for enhanced regulations is the first big legislative battle for a loose coalition of regional banks.

WASHINGTON — Frank Keating, the chief executive of the American Bankers Association, is stepping down at the end of the year and a search for his successor has already begun.

The Subsidy Reserve Act of 2015 could solve "too big to fail" and level the playing field for smaller banks by requiring the largest financial institutions to accumulate capital equal to the amount of the market subsidy they receive.

American Banker readers share their views on the most pressing banking topics of the week. Comments are excerpted from reader response sections of AmericanBanker.com articles and from our social media platforms.

CFPB officials are keeping a close watch on the Qualified Mortgage and ability-to-repay rules to gauge whether further changes should be made. But mortgage numbers don't give a clear picture on what kind of impact they've had.

WASHINGTON — Federal regulators extended the deadline for three nonbank firms considered "systemically important" to submit their revised resolution plans, also known as living wills.

Regulators have long worried about the risks from the underwriting of leveraged loans, but they are now concerned about the potential for broader economic risk from losses on such loans.

Big banks have only grown larger and more complex since the financial crisis, and there is reason to doubt the efficacy of measures aimed at preventing the risk of another taxpayer bailout.

The confirmation hearing for attorney general nominee Loretta Lynch suggested a shift in legislators' attitudes toward banks. Rather than the usual focus on banks' alleged misdeeds, lawmakers cast them as victims of government overreach in Operation Choke Point.

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

A recent research paper found that community banks' assets, along with market share in most types of commercial lending, have fallen since the Dodd-Frank Act was passed. The report is giving advocates of smaller institutions more data to rally around.

In a wide-ranging interview, the head of the Cleveland Fed talks about her support for a two-tiered regulatory system, the biggest threats facing the system, interest-rate risk, culture and cybersecurity.

The Federal Reserve Board on Thursday announced release dates for its 2015 stress test results.

Sen. Elizabeth Warren said community banks have continued to be profitable despite new rules under the Dodd-Frank Act while raising fresh warnings about unnecessary changes to the financial reform law in the guise of regulatory relief.

Outcries about regulators' negligence in ending too big to fail ignore a number of major developments since the financial crisis, including the new orderly liquidation authority and the overhaul of the regulatory capital framework.

The Senate Banking Committee's first look at regulatory relief for small institutions provided key insights into how the panel is likely to tackle the topic legislatively this year, suggesting it could be a long and contentious debate.