Law and regulation

A report on big bank subsidies offers proof that statutory, regulatory, and industry changes have strengthened the financial system in the years since the crisis, according to Financial Services Forum chief Rob Nichols.

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.

In politics, every penny counts to secure a candidate's position in office. Bitcoin's low cost of acceptance, accompanied by increasing clarity from regulators over its role in campaigns, is making it a more appealing choice for accepting donations.

The Office of the Comptroller of the Currency has issued new guidelines on the sale of consumer debt, a move that could help reform a practice that consumer groups say is plagued by errors and abuses.

The Department of Justice subpoena asks for documents related to representations and warranties made by GM's financing arm on auto loans that were packaged into securities.

When consumer groups sent mystery shoppers into big-bank branches to learn about overdraft coverage, they were given information that was incomplete, confusing or flat-out wrong, according to a new report.

The proposed merger of the Home Loan banks in Seattle and Des Moines could spur massive consolidation among their sister banks, but only if the two show it's possible to overcome governance and other logistical challenges that have deterred similar deals.

The senior officer loan survey, which is released by the Fed every three months, asked both large U.S. banks and foreign banks about the effect the new ability-to-pay and qualified mortgage rules were having on approval rates for various types of home purchase loans.

Enforcement actions can head off future Bank Secrecy Act violations by outlining the specific steps that compliance officers ought to have taken, according to Robert Axelrod of Deloitte Transaction and Business Analytics.

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It is precisely because we do not know whether the government would opt for a bailout the next time there is a banking crisis that regulators must continue to confront the significant challenges posed by U.S. banks, writes Mayra Rodríguez Valladares.

Rich Weaver has retired as commissioner of the Missouri Division of Finance.

A new government report finds that the size of big bank subsidies falls in stable periods and increases in times of stress. That spells danger when the next crisis comes around, writes Independent Community Bankers of America chief Camden Fine.

The banking industry is stepping up pressure on the Senate to pass a cybersecurity bill this fall that would expand information sharing on cyber threats between private companies and the federal government.

Today's investors realize how little they understand banks' risk exposures and are skittish about providing risk capital. The solution is to create transparent bank reports that present information in a clear, accessible manner, according to Vincent Papa of the CFA Institute.

Sens. Sherrod Brown, D-Ohio, and David Vitter, R-La., continued to press their case over "too big to fail" on Thursday, in the wake of a new government report that raises fresh questions about the size of a market subsidy for the largest institutions.

The Consumer Financial Protection Bureau is weighing whether to place further restrictions on overdraft programs after a study released Thursday revealed consumers who opted in for such services are paying significantly more in fees.

The Federal Deposit Insurance Corp. has appointed a new director for its Office of Minority and Women Inclusion.

If finalized and then approved by regulators, the combination of the Des Moines and Seattle Home Loan banks would be the first voluntary merger in the system’s history.

A highly anticipated report by the Government Accountability Office has found that the subsidy large banks receive for their size has been reduced or even eliminated since the financial crisis.