OCC

The post-Dodd-Frank era is one of rightsizing and tailoring rules, but a key bloc of the regulatory brain trust believes the U.S. still lacks mechanisms that could prove helpful in a crisis.

Readers weigh in on pushback by appraisers to a new regulatory proposal, consider credit card issuers' role in the gun debate, respond to recent credit union mergers and more.

Whether it's the OCC's special-purpose charter, ILCs or some other option, observers see fintechs being able to obtain banking powers.

These heads of regulatory agencies and key members of Congress will determine the course of banking rules in the new year.

The plan would implement a congressional mandate that only the biggest banks must conduct internal stress tests.

The agency refuted claims by the Conference of State Bank Supervisors that the OCC was overstepping its authority.

Before the financial crisis, federal and state regulators unabashedly pitched their charters to banks as the better choice. That's happening again, despite warnings that such jousting might result in lax oversight.

The agencies are weighing a plan to reduce the scope of residential real estate transactions requiring an appraisal, but appraisers have warned that the proposal could have consequences.

The Office of the Comptroller of the Currency advanced the ball last year by collecting public feedback on modernizing the law, but all three federal bank regulators will have to reach consensus on a formal proposal.

JPMorgan Chase’s planned expansion into more than a dozen new markets threatens community banks and larger institutions alike.

From stress tests to tailoring the Dodd-Frank Act to the Volcker Rule, the banking agencies have a number of important proposals to finalize in the coming year. But there are several potential obstacles that could throw those plans off track.

Jonathan Gould, the committee's chief counsel, has been hired by the Office of the Comptroller of the Currency as senior deputy comptroller and chief counsel.

The Office of the Comptroller of the Currency announced Friday that it has lifted restrictions relating to U.S. Bank's flawed efforts to prevent money laundering and Citi's deceptive marketing and billing practices.

The White House said that Comptroller of the Currency Joseph Otting will serve as acting director of the Federal Housing Finance Agency beginning Jan. 6, after Director Mel Watt’s term ends.

The federal banking regulators have proposed allowing more directors and management officials to serve at more than one institution in an effort to provide relief to community banks.

The Office of the Comptroller of the Currency has gotten the ball rolling for financial technology firms trying to operate a national platform, but the FDIC and Federal Reserve should act to remove other policy roadblocks.

A proposal allowing more lenders to skip outside appraisals could remove a hurdle to quick closings, but appraisers say they could be collateral damage.

The Office of the Comptroller of the Currency has gotten the ball rolling for financial technology firms trying to operate a national platform, but the FDIC and Federal Reserve should act to remove other policy roadblocks.

The fintech's new products may violate several banking and securities regulations and could mislead the public about the differences between coverage on banking and investment accounts, industry officials say.

Any serious discussion of how best to update the Community Reinvestment Act for the 21st century must focus on strengthening the law, not eliminating it.