Dodd-Frank

American Banker's 4th annual conference on the regulatory climate featured sharp warnings on the need for cybersecurity, diverse opinions on issues from Operation Choke Point to the utility of anti-money laundering procedures, and signs of optimism about the industry’s future. Here are six themes that emerged during the event.

A high percentage of Federal Housing Administration-insured loans are falling into the "higher priced" bucket due to a series of mortgage insurance hikes over the past several years.

WASHINGTON — The Consumer Financial Protection Bureau has agreed to ramp up its security policies on data collection in response to a recent Government Accountability Office report that raised nearly a dozen recommendations on the topic.

Esther George, president of the Kansas City Fed, highlighted the shortcomings of banking regulation, especially as applied to community banks, and said the "pendulum has swung too far" on consumer protection.

Speaking at American Banker's Regulatory Symposium, Federal Deposit Insurance Corp. Vice Chairman Thomas Hoenig said complex firms should not discount regulators' warnings of heightened supervision if their 2015 resolution plans fail to impress.

In a broad-ranging Q&A at American Banker's Regulatory Symposium, Comptroller of the Currency Thomas Curry questioned the asset threshold used to subject larger banks to enhanced rules, and discussed examiners' concerns about the "culture" at banks.

Regulators are developing joint standards for cybersecurity, testing special exam procedures and helping banks assess their own readiness, Federal Deposit Insurance Corp. Chairman Martin Gruenberg said at American Banker's 4th Annual Regulatory Symposium. That's a good thing because community bankers said they need a lot of help.

Janet Yellen's tenure as Fed chair could open more doors for women in the C-suite. It also sends a powerful message to younger generations: math and economics are cool.

Industry groups have urged the bank regulators to implement more wholesale changes in the second review mandated by a 1996 law, saying the outcome of the first review was disappointing.

U.S. regulators are continuing to send a clear message about global financial services standards forged with other countries: they're not strong enough.

House leaders are pushing to bring a bill on capital standards for non-banks to a vote on the floor this week, part of a larger package of reforms to the Dodd-Frank Act, according to several industry sources.

WASHINGTON — The Consumer Financial Protection Bureau has finalized a rule subjecting large nonbank international money transmitters to supervision by the bureau.

Members of the Senate Banking Committee pressed top regulators on a host of issues, including plans to raise capital standards on the biggest banks and potential changes to a new liquidity rule.

SB Financial in Defiance, Ohio, has redeemed $10.3 million in trust-preferred securities, in an effort to lower its interest-related expenses.

Community bankers are launching a last-ditch effort to push the Senate this year to pass more than a dozen bipartisan regulatory relief bills that have already cleared the House with support from both parties.

Dodd-Frank has failed to solve the too big to fail problem, according to consultant J.V. Rizzi — and some of the best solutions, like breaking up the banks, are also the most unlikely.

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.

MetLife, which has 30 days to request a hearing to contest its designation, said it "strongly disagrees" with the decision of the Financial Stability Oversight Council.

The new liquidity coverage ratio requirements will compel the country's largest banks to take data integrity and timely, accurate reporting more seriously, writes Mayra Rodríguez Valladares.

The reduced pricing for Discover's signature debit card network will apply to the more than 4,000 banks that are members of the American Bankers Association.