Dodd-Frank

Regulators are finally ready to unveil a final risk retention rule, but whether the new regulation provides enough certainty to jumpstart the securitization market is an open question.

John Ikard, a Colorado bank CEO and incoming chairman of the American Bankers Association, hopes to score a few legislative victories on behalf of bankers, who he says have spent years on the defensive.

The Federal Reserve Board issued a final rule Friday that will give banks an additional three months to comply with stress test requirements.

Congress and banking agencies should seize the opportunity to eliminate unnecessary and outdated requirements.

A regulatory report released this summer helped fuel hopes that banks were finally beginning to loosen up on making mortgage loans. But since then strategists say there is no evidence that an easing of credit standards is taking place.

Politicians must acknowledge the unintentionally harmful consequences of the Dodd-Frank Act, while bankers need to accept that the financial system has deficiencies and act to remedy the problems under their control.

A principles document on corporate governance from the international Basel Committee is another sign of supervisors' mounting interest in how management culture affects business decisions.

Regulators will unveil a long-awaited final rule next week that requires lenders to retain some of the risk for loans they securitize in the secondary market, a critical part of the Dodd-Frank Act that the agencies have struggled to implement.

Unless regulators coordinate their efforts to reform banks' home lending, mortgage servicing and remittance businesses, American consumers will continue to lose access to affordable financial services.

Before regulators require the country's largest banks to take on more burdensome regulations, they need to reconsider the parameters used to assess the threat of systemic risk.

Federal Reserve Board Gov. Daniel Tarullo said a pending measure requiring large banks to hold enough unsecured debt that can be converted in a resolution will be yet another example of U.S. regulators taking a harder line than the international agreed-to standard.

The Federal Reserve Board has published an 11-page guide for banks looking to acquire large rivals.

Bankers should temper their criticism of new regulations with some support for reform, lest the American public think the industry has failed to heed the lessons of the financial crisis.

There's a growing push to revisit how banks are determined to be "systemically important" under the Dodd-Frank Act, but questions about how to resolve the problem still loom large.

The Mortgage Bankers Association continues to push back against regulations stemming from the financial crisis, as the industry's biggest lobbying group continues pushing for regulatory relief to bolster the housing market — and boost profits for its members.

The Offices of Minority and Women Inclusion should require financial institutions to perform regular, standardized and data-driven assessments of workforce and supplier diversity.

The FSOC must provide well-reasoned justifications as to why it chooses to designate a firm as systemically important — and provide a clear outline of the steps that companies can take to rid themselves of the SIFI label.

While the Volcker Rule has been in the works since 2009, the final rule is new to professionals at both banks and regulatory agencies. Everyone involved faces a steep learning curve.

Regulators unveiled plans Monday to broaden the use of "Legal Entity Identifiers" and launch a pilot program designed to get more information on bilateral repurchase agreements.

The life insurance giant became the second firm to seek an opportunity to contest its designation as "systemic" by the Financial Stability Oversight Council.