Law and regulation

Last year's Supreme Court decision validating certain same-sex marriages has implications for laws implemented by the consumer bureau.

Wells Fargo executives said they support federal regulators' effort to expand mortgage credit availability but cautioned that it will produce little benefit for the bank's, or the industry's, bottom line.

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.

Radian Group and MGIC Investment are among mortgage insurers that would need to fill a financial gap under new financial-strength rules proposed by the Federal Housing Finance Agency.

Reducing the number of Home Loan banks would lower the cost of advances for community banks, leaving them with more money to lend out to their communities.

WASHINGTON — The Consumer Financial Protection Bureau has yet to issue broad rules for payday lenders, but the bureau's $10 million settlement with ACE Cash Express Thursday sends another strong message about the practices it may target.

In his first policy speech, Federal Reserve Board Vice Chair Stanley Fischer highlighted strides regulators have made since the crisis, but said more progress is necessary.

The Consumer Financial Protection Bureau settlement with ACE Cash Express Thursday sends another strong message about practices it may target in industry rules.

John Delaney, D-Md., John Carney, D-Del., and Jim Himes, D-Conn., introduced a new housing bill Thursday designed to provide an explicit government backstop for the market but still increase private sector participation.

The Consumer Financial Protection Bureau has reached a $10 million settlement with payday lender ACE Cash Express over allegations that it used illegal debt collection practices.

Large bank holding companies defy both effective management and effective regulation. The solution is to allow shareholders of each company's subsidiary to choose its management and judge its performance.

Julian Castro, who was confirmed as the new secretary for housing and urban development, is bound to face continued industry lobbying to lower premiums paid to the Federal Housing Administration.

Rep. Maxine Waters, D-Calif., is warning that a key House appropriations bill risks undercutting regulators' ability to oversee the financial system.

WASHINGTON — The Office of the Comptroller of the Currency on Wednesday issued a final rule increasing examination fees for large institutions.

A new report from the Basel Committee says that using public funds to resolve weak banks may be considered in systemic situations. If even capital rule-writers are willing to consider more bailouts, the only way to end "too big to fail" may be to break up the megabanks.

Citigroup may reach an agreement with federal prosecutors as early as next week to resolve a probe into sales of mortgage-backed bonds before the 2008 financial crisis, a person familiar with the negotiations said.

The Senate Intelligence Committee on Tuesday approved a bill that would expand information-sharing between the public and private sectors about cybersecurity threats.

Rep. Darrell Issa on Tuesday accused the Justice Department and FDIC of letting the anti-fraud crackdown called Operation Choke Point interfere with legitimate banking business. He also said that legal pot businesses should have access to the banking system.

Nearly six months into her first term as Federal Reserve Board chair, Janet Yellen has sought to put financial stability on nearly equal footing as monetary policy.

The Consumer Financial Protection Bureau is allowing lenders to skip "ability-to-repay" rule when transferring a loan to the kin of a deceased borrower or for other life events.