Dodd-Frank

Some politicians and regulators appear determined to shrink big banks. But doing so could hurt Americans who appreciate big banks' geographical reach and wide range of services, according to financial markets scholar Stephen Matteo Miller.

Investors will remain reluctant to take on the personal risk inherent in establishing de novo community banks as long as new regulations remain unwieldy and returns stay low, according to Richard Magrann-Wells.

WASHINGTON — A group of retail trade associations and large retailers wants the Supreme Court to review the Federal Reserve Board's recent cap on debit card swipe fees that merchants say is higher than the fee limit envisioned in the Dodd-Frank Act.

More than a dozen bipartisan lawmakers urged the Federal Reserve to scale back its emergency lending authority in a pending rule required by the Dodd-Frank Act.

WASHINGTON — Regulators provided more instruction Friday to smaller firms required under the Dodd-Frank Act to simulate their own failures.

In ordering large banks to revise their living wills, federal regulators proved that they are taking very seriously their mandate to never again use taxpayer dollars to rescue large banks, writes Mayra Rodríguez Valladares.

The coming year expects to be hectic for banks' regulatory teams as a bottleneck of new rules come due, including everything from the proprietary trading ban to Basel III to a new mortgage disclosure framework.

Expanded reporting requirements under the Home Mortgage Disclosure Act will give regulators access to a panoply of sensitive data. Banks should take steps to address any fair lending issues before the new rules take effect, according to Warren W. Traiger.

Regulators need to provide clear standards as to what constitutes an acceptable living will, according to the American Enterprise Institute's Abby McCloskey and Paul H. Kupiec.

Regulators' blunt criticism of resolution plans of the 11 most complex banks still leaves pivotal questions about how the process moves forward, including what banks must do to avoid serious consequences.

FICO in San Jose, Calif., has launched a credit risk prognosis tool financial institutions can use to stress-test their consumer loan portfolios.

The Federal Deposit Insurance Corp. and Federal Reserve Board offered blunt criticism of "living wills" filed by the most complex banks, and warned that failure to improve their 2015 plans could have consequences.

President Obama became the latest policymaker to wish he could make the regulatory system simpler and more efficient. Yet there are powerful reasons why it will never happen. Here's why.

The skill set of successful military commanders makes them uniquely well-suited to compliance roles in today's strict regulatory environment, writes former U.S. Army Captain Jonathan Hendershott.

NorthStar Bank once relied on its investment portfolio to drive revenue. It recently changed course, targeting loans and customers in search of a better future.

Consumer Financial Protection Bureau Director Richard Cordray told House lawmakers on Wednesday that allegations of discrimination and retaliation among agency employees were due to its efforts to rapidly build itself up following its creation three years ago.

The legislation, sponsored by Rep. Blaine Luetkemeyer, R-Mo., would delay implementation of a provision of Basel III capital rules that establishes higher requirements on mortgage servicing rights.

Studies of whether big banks enjoy implicit funding subsidies should take into account the effect of post-Dodd-Frank legislation and regulation, write Aaron Klein and Peter Ryan of the Bipartisan Policy Center.

Zions Bancorp. in Salt Lake City is planning to raise $525 million in fresh capital to satisfy regulators' concerns about its ability to withstand a severe economic downturn.

Although the proposal to add more Home Mortgage Disclosure Act requirements was required by the Dodd-Frank Act, those in the lending industry said they were taken aback by the amount of additional information the CFPB is seeking, arguing it goes way beyond the regulatory reform law.