PayThink

Taken to the extreme, new guidance from the Federal Reserve will require boards to evolve into something close to shadow management.

Federal Reserve Gov. Elizabeth Duke urged community bankers on Tuesday to continue lending despite challenges created by compliance with a host of new Dodd-Frank regulations.

A recent court ruling filed by a three-judge panel of the U.S. Court of Appeals for the D.C. Circuit has casted doubt over whether renominated Richard Cordray will continue to serve as director of the Consumer Financial Protection Bureau.

Virtually all discussions of banking crises these days assume that depositors should always be protected, often at taxpayer expense. Let's consider whether at least some depositors should be bailed in.

Promontory responds to Joe Slavens.

Regulators seem obsessed with preventing false negatives: loans that pass underwriting and then default. They should consider the costs of false positives, i.e., restricting loans that probably would perform fine.

A recent court ruling has put CFPB Director Richard Cordray’s job in jeopardy. But who should run the bureau if he has to step down?

Observers are wondering how focused successor Jack Lew will be to the Financial Stability Oversight Council in comparison to recently departed Treasury Secretary Timothy Geithner.

"Small banks received special attention - and critical relief - in the Dodd-Frank Act and proposals tied to Basel III. Both include new minimum capital ratios, but banking companies with less than $500 million of assets are exempt from those requirements," writes American Banker's Andy Peters.

Improving the branch experience could fail to increase foot traffic, but will boost customer satisfaction, loyalty and, ideally, advocacy.