FDIC

Banks earned $62 billion in the third quarter thanks to tax reform and higher asset yields, while the Deposit Insurance Fund crossed a statutory threshold.

The proposed 9% ratio for institutions with less than $10 billion of assets is designed to create a simpler capital regime for small banks.

Regulators have made progress on revising stress tests, the Volcker Rule and other post-crisis measures. But some worry examiners still have too much latitude to punish banks for trivial matters.

As regulators get set to unveil a new capital ratio for community banks, FDIC Chairman Jelena McWilliams said she wants to go even further to simplify the capital regime.

Payday lenders argue that banks cut ties with their industry due to pressure from biased and hostile regulators. But the reality, in some cases, may be more nuanced.

Readers respond to the burgeoning debate over brokered deposits, consider the Democratic presidential hopefuls for 2020, weigh the Consumer Financial Protection Bureau's latest regulatory efforts and more.

Federal and state regulators Thursday offered a slew of regulatory relief measures to banks and credit unions affected by the disastrous California wildfires.

FDIC Chairman Jelena McWilliams questioned whether regulators and banks are fully capturing the emerging risks of a new shadow banking system.

The move allows the New York multifamily lender to make more loans without having to raise capital.

The FDIC is seeking comment on how to encourage small-dollar lending at banks, signaling a course change from guidance it issued five years ago restricting such loans.