PayThink

The Dodd-Frank Act requires banks with at least $10 billion of assets to conduct annual stress tests, but experts say many banks below the outset already have a process or have plans to begin testing.

There may well be too many banks in the United States. That’s a problem for stock investors and CEOs of publicly traded banks to address, not policymakers.

After three years with regulators at odds with each other, the five agencies have finalized Dodd-Frank's Volcker Rule.

Even before Dodd-Frank, federal regulations had grown exponentially. The sheer quantity of the regulations is bad enough, but the complexity often confuses banks and their customers and increases compliance costs.

Ten years from now, today's brick-and-mortar banks, and digital banking services, will look like quaint vestiges of a bygone era.

The five-member board voted unanimously to flesh out how the policy will work when a systemically important company fails. But this show of unity may be misleading and fleeting.

Janet Yellen has made it clear she wants to move the Federal Reserve away from a bank-centric regulatory model to one that appropriately tailors rules to the nonbanks that it now regulates.

When Sterling Bank rebranded following the financial crisis, we conducted focus groups with customers and employees. Engaging these groups ensured that any new or refined messages were believable and authentic to the organization.

The FTC's goal of compensating victims of merchant fraud is laudable. But effectuating that goal through a "crackdown" on processors and ISOs, which effectively makes them insurers of merchant fraud, seems misguided.

A ban on portfolio hedging would perfectly illustrate the current practice of regulatory ‘populism’ that has pervaded financial regulatory reform since the crisis.