FDIC

Jelena McWilliams is responding to concerns from Republican members of Congress that FDIC staffers are discouraging banks from doing business with certain industries.

Readers react to trends in public banking, weigh potential changes for brokered deposits, consider oversight of foreign banks and more.

Decades-old measures designed to rein in risky lenders are now preventing healthy banks from tapping crucial sources of funds.

The effort to raise the threshold for transactions excused from appraisal requirements responds to concerns that the current threshold is outpaced by real estate prices.

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.