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On how banks are managing their investment portfolios, as the Federal Reserve has indicated it will halt rate hikes in the near term:

"The investment portfolio shouldn’t be managed or even discussed in isolation but rather as a component of the broader interest rate risk and liquidity position of the bank. It serves many purposes, only one of which might be to bolster earnings. Given what is likely a secular reduction in availability of deposits for traditional banks, many banks would probably be better off shrinking the bond portfolio and using it as a source of liquidity."

Related: Banks face tough decisions on investment portfolios amid Fed rate pause
BB&T bank branch
On an argument that a merged BB&T-SunTrust should be more focused on community development:

"Pure extortion of commerce to define what the consolidated institution should do."

Related: Will BB&T-SunTrust serve the community or Wall Street?
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Another reader weighs in on calls for BB&T-SunTrust to meet with community groups as part of their merger:

"Deposits do not belong to unqualified and unable borrowers."

Related: Will BB&T-SunTrust serve the community or Wall Street?
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On a look at how banks are increasingly approaching new branches as a marketing opportunity:

"You could buy every billboard within 100 miles for the cost of opening and operating a branch."

Related: Why keep branches around? They make great billboards
Fannie Mae building
On an argument that government-sponsored enterprises Fannie Mae and Freddie Mac should be required to maintain 4% capital:

"All this 'GSE' recap/release is pure fiction to keep the $5 trillion off the federal debt limit. A simpler and more economic solution would be to make the GSEs government entiites, make the guarantee explicit, add the $5 trillion to the national debt, and let the Treasury keep the entire 55 bp G-Fee. (conservatorship does all this and keeps the $5 trillion off the federal balance sheet). However, no President (dating back to LBJ) has been willing to do this."

Related: Give Fannie, Freddie the same capital standards as everybody else
CFPB Director Richard Cordray
On the House passing legislation to reverse the Trump administration's impact on the Consumer Financial Protection Bureau:

"'...rather than the strict enforcement regime that the agency maintained under the Obama administration’s former director, Richard Cordray.' When you say strict, are you saying making educated guesses to identify minority automobile loan borrowers by using their last names and addresses is a strict interpretation of ECOA/Regulation B?"

Related: House passes bill to reverse CFPB policies under Trump administration
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