Law and regulation

The biggest change in banking in the last 60 years is the shift in balance sheets from business lending to real estate finance and therefore more risk tied to volatile real estate prices.

Donald Trump will propose a temporary moratorium on new financial regulations in an economic speech Monday in Detroit in an effort to draw a stark contrast with the domestic policies of Hillary Clinton, who he says "punishes" the American economy.

With supervisory pressures continuing to mount, a piecemeal approach to handling banks’ regulatory demands is costly and ineffective.

The former officers and directors for Midwest Bank & Trust have reached a $26.5 million settlement with the Federal Deposit Insurance Corp. over charges of negligence during the financial crisis.

The Indiana Senate race could prove to be the most important congressional race for bank policymaking if handshake deals propel former Sen. Evan Bayh to the top of the banking committee. But picking Bayh could start a civil war within the Democratic Party.

Financial regulators issued a long-awaited proposal Friday that would allow institutions with less than $1 billion in assets to file a short-form call report.

The regulatory arm of the Bank of England announced this week that it would exempt excess reserves from its leverage ratio — a move that U.S. banks hope might be a sign of changes to come at the Federal Reserve Board.

Regions Financial, Alabama's biggest bank, reached a preliminary agreement with the U.S. Department of Justice to resolve an investigation into mortgage abuses.

Distributed ledgers have the potential to simplify and strengthen bank regulatory oversight when applied in the appropriate context, such as during the Shared National Credit examination program.

The U.S. is steadily building the foundation of a nationwide faster payments system, but not all of the pieces are connected. Many of the elements developed independently, with influence from across the globe.

The solution to "too big to fail" is requiring all creditors, other than insured depositors, to face the risk of loss so that neither the FDIC nor taxpayers lose any money.

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 our social media platforms.

Settlements related to court fights over private-label mortgage-backed securities are significantly boosting the bottom lines at a few Federal Home Loan banks.

WASHINGTON — The Federal Deposit Insurance Corp. will give banks and other parties 45 additional days to comment on a new proposed guidance addressing relationships with third-party lenders.

The Consumer Financial Protection Bureau on Thursday finalized new requirements for mortgage servicers that provide more help to struggling borrowers and add consumer protections when loans are transferred.

Returning Fannie Mae and Freddie Mac to their status as privately owned public utilities is consistent with their mandate and makes the most policy sense.

In the wake of the Bitfinex heist, protecting consumers must again be at the forefront of the digital currency community.

The situation turns on whether the CFTC inadvertently pushed Bitfinex to adopt a weaker security system than it had been using. However, the way the bitcoin exchange used the new system was significantly flawed, security experts said.

A proposed 50% expansion to the Low Income Housing Tax Credit program would yield new opportunities for banks to finance development projects and meet their Community Reinvestment Act obligations.

The Federal Reserve Wednesday fined Goldman Sachs $36.3 million in civil penalties and moved to bar a former executive from the banking industry in connection with a leak of supervisory information from the New York Fed in 2014.