Banco Popular de Puerto Rico

PwC's Dan Jackett and team discuss compliance risk management and challenges in the financial services industry.

Bankers have gone to jail since the financial crisis, but none of them have been senior executives from the biggest banks, even as those banks continue to face government charges and civil lawsuits over an array of operations and business practices. American Banker editor-in-chief Neil Weinberg explains why the legacy of "Too Big to Jail" is doing long-term damage to banks.

A flurry of Capitol Hill hearings reflect a renewed focus on legislation to protect Americans' from credit and debit card cyber-attacks. Washington Bureau Chief Rob Blackwell discusses where legislators and regulators appear to be headed and when new laws are likely to be enacted.

Former Consumer Financial Protection Bureau boss Raj Date is lining up a seasoned team of banking executives to try to revive the subprime credit card market. For the banks his firm is seeking to partner with, the question is whether the potential profits justify the risks. American Banker staffers discuss.

Banks have shied away from private student loans, both because of the need for scale in this business and intense scrutiny from regulators including the Consumer Financial Protection Bureau. But these loans are performing much better than federally guaranteed student loans, says Dan Feshbach, Chief Executive of data company MeasureOne.

Community banks are facing mounting competition from bigger companies, regulators and consulting firms as they try to staff up in their compliance departments. American Banker editors discuss how small banks can compete for the best compliance personnel and what they should be looking for in potential new hires.

Large U.S. banks are facing several potential crises around the world, from emerging markets, within commodities and from China's slowed growth. Consultant Mayra Rodriguez Valladares questions whether changing regulatory standards have made the biggest banks sufficiently capitalized to withstand turmoil from these global problems.

The biggest banks are coming off a year when their stocks and profits soared. Yet below the surface, they face a number of vexing problems: more regulation, less lucrative trading, an inability to do big deals and lower multiples than many smaller rivals. American Banker staffers discuss whether such factors may some day encourage shareholders to agitate for breakups.

The Consumer Financial Protection Bureau's crackdown on mortgage servicers' operations will increase the pressure on lenders to improve their processes, paperwork and communications with borrowers. American Banker journalists discuss how both banks and nonbank servicers can get ahead of the new regulatory scrutiny.

Critics have complained recently that bank regulators and the Justice Department have been overstepping their legal authority and acting like moral police. American Banker staffers discuss what's behind the charges and whether they stand up to scrutiny.