Law and regulation

State Bank Financial in Atlanta reached an agreement to end its loss-share agreements for 12 failed banks that it acquired during the financial crisis.

By ensuring that all big-bank investors receive equal treatment in bankruptcy and looking for other ways to prevent short-term liquidity problems from becoming major financial crises, Congress can avoid the need to test the FDIC’s ability to resolve large financial institutions.

Associated Banc-Corp in Green Bay, Wis., agreed to expand mortgage lending in minority neighborhoods to settle a federal probe into its fair-housing loan practices.

California officials briefly raised hopes among digital currency proponents Friday by releasing a statement that they would drop plans to regulate digital currency businesses and instead defer to the legislature.

Hundreds of lawmakers from both sides of the political aisle are pushing for the Consumer Financial Protection Bureau to grant a grace period for banks, credit unions and other lenders to comply with a new mortgage disclosure rule.

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Last month's unrest in Baltimore once again cast the spotlight on the negative cycle of crime, violence and poverty that plays out in many American cities and counties. So why aren't banks directing more of their investment dollars into the neighborhoods that need it the most? And can Community Reinvestment Act reform help push them in that direction?

The Clinton Foundation has generated at least $1 million in fees from six large banks, as payment for speeches made since 2002 by Democratic presidential candidate Hillary Clinton, former president Bill Clinton and Chelsea Clinton.

A recap of the informed opinions (and the discussions they generated) on BankThink this week, including the merits and drawbacks of Sen. Richard Shelby's regulatory reform legislation, whether bigger banks are inherently riskier and banks' evolving interest in blockchain technology.

Proposed new rules from the CFPB could wind up forcing banks out of the small-dollar lending business, leaving cash-strapped consumers with fewer borrowing options.

Fannie and Freddie's profits depend on having their obligations backed by the U.S. Treasury. Therefore they should have to pay a sensible price for this backstop — just like big banks.

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.

First United in Oakland, Md., will exit the Troubled Asset Relief Program after winning an auction to repurchase a warrant from the U.S. Treasury Department.

WASHINGTON — The Office of the Comptroller of the Currency has no plans to review the charters of JPMorgan Chase or Citicorp following their agreement to plead guilty to criminal charges related to currency rigging, according to Comptroller Thomas Curry.

WASHINGTON — The Federal Reserve Board proposed a change Thursday to its recently finalized liquidity rules for the largest U.S. banks that would allow certain municipal and state bonds to qualify as high-quality liquid assets.

Last year the mail carrier's office of inspector general suggested a potential expansion into small-dollar lending, but the ambitions laid forth in a new report have been scaled back considerably.

Lawmakers on the Senate Banking Committee may still stand divided on regulatory reform, but Thursday's markup points to ongoing desire for a way forward.

The Federal Reserve Board is taking public comment on whether to require member banks to move to same-day payments after an industry group voted to mandate faster payments among the nation’s 12,000 financial institutions.

The Federal Reserve Board Thursday said that it is taking public comment on whether to require member banks to move to same-day payments after an industry group voted to mandate faster payments among the nation's 12,000 financial institutions.

It took three or so days to settle stock trades. What if that could happen instantly and be recorded on a blockchain for everyone to see?