Dodd-Frank

Depending on the outcome of the election, the fight over two conflicting state ballot initiatives could provide a road map for the embattled payday lending industry or consumer activists seeking bans in other states.

No matter the outcome of the divisive 2016 election, the many regulations still in the pipeline from banking regulators are not going to come to a screeching halt when the next president takes the helm in January.

The Consumer Financial Protection Bureau and the New York Attorney General filed a lawsuit Wednesday against two New York debt collectors for deceiving and harassing millions of consumers to pay inflated debts.

A lot of analytical horsepower is being spent on what will happen to the markets after the election, but it seems to make more sense to talk about what will not change for consumers, investors and financial institutions.

If Sen. Sherrod Brown becomes chairman of the Senate Banking Committee, he is likely to focus on toughening rules on the biggest banks, conducting oversight of scandals like the one at Wells Fargo and granting regulatory relief to smaller institutions.

Progressives are already pushing Democrats to appoint another Wall Street reformer to the Banking Committee if they win back the Senate, but other considerations, including the 2018 midterms, will play a significant role in who is chosen.

WASHINGTON – Sixteen Senate Democrats sent a letter to federal financial regulators on Wednesday asking them to strengthen a proposal to restrict executive compensation at financial firms.

The piling on at Wells Fargo has reached an unprecedented level, even for a bank. Fifteen investigations are underway into Wells' phony account openings. Experts are quantifying the damage to Wells' reputation and what the bank can do going forward to repair it.

Neither bank regulators nor banks' risk managers can afford to wait until rating agencies downgrade Deutsche before understanding the level of exposure they have to the German bank giant.

Based on questions from appellate judges on Monday morning, MetLife appears to be facing an uphill fight to defend a lower court ruling that found federal regulators erred in designating the firm as a systemically important financial institution.

Home BancShares in Arkansas would rather buy banks that meet its financial parameters than do one large deal to catapult over $10 billion in assets. The bank also spent most of this year idling with M&A so it could prepare for stress testing.

Federal Reserve Gov. Daniel Tarullo defended regulators' item-by-item approach toward reining shadow banking activities, saying broader moves could be insufficiently tailored to the conditions of specific firms and activities.

A federal appeals court's decision that declared the Consumer Financial Protection Bureau an arm of the White House relies on a novel interpretation of the constitution's separation of powers clause that could have broader effects on how other regulators like the OCC and FHFA interact.

A win by Hillary Clinton would be something of a mixed bag for bankers. On the one hand, she's a moderate with detailed policies, many of which are bank-friendly. Yet she may also be pushed to the left as she navigates issues, particularly on regulatory appointments.

The Consumer Financial Protection Bureau decried an appeals court ruling last week that found its single-director structure unconstitutional, saying the opinion was "wrongly decided" and had "no basis in the text of the Constitution or in Supreme Court case law."

A strong and dynamic risk detection system requires focusing on the most important blind spots not satisfactorily explained by existing tools, rather than focusing on the "answers" produced by those tools.

Two San Francisco supervisors on Tuesday introduced a resolution that would "end all business with Wells Fargo," in response to the fake account scandal and other practices that have harmed consumers.

Recent moves by the Consumer Financial Protection Bureau, including a plan to regulate payday lending, take away what limited credit options consumers have.

WASHINGTON — Securities and Exchange Commission Chair Mary Jo White should be demoted as head of the agency because of her lack of support for a rule that would require companies to publicly disclose their political spending, Sen. Elizabeth Warren, D-Mass., said Friday.

Warren's voice is powerful in criticizing big banks, but she could play a more active role in providing relief to community banks to help boost job creation.