PayThink

Efforts should clarify recourse risk for originators and underwriters, help realign supply and demand in the housing market and assist homeowners.

Few legislators will have much appetite for setting bank capital policy, but it would be a gross error to mistake that discretion for lack of interest in what those policies will do to local economies.

The orderly liquidation authority of the Dodd-Frank Act requires a "minimum recovery" for creditors of troubled systemically important financial institutions, i.e. no less then what they would have received in normal bankruptcy proceedings. Rules to implement that standard could reassure the markets, say industry observers.

Bubble-era claims about the various ways that owning a house could make you and your children happier are coming back to life.

Press releases continue to repeat Treasury's nonsensical claims about the "profit" the program has produced for taxpayers. But it remains to be seen whether not letting banks go out of business actually benefited anyone.

To guess what might happen once unlimited deposit insurance ends, look at how corporations have handled their cash lately.

The truest way to reach your personal goals is to show your people, in actions and words, that your priority is helping them reach theirs.

"So what does designating some institutions as SIFIs mean for small businesses?" writes Forbes contributor Ryan Caldbeck. "While we don’t know the whole story yet, the answer, to date, appears to be very little."

Banking powers, specifically the power to accept demand deposits, should be limited by Congress to institutions qualifying for federal deposit insurance. Otherwise we face uncontrolled systemic risk from inconsistently regulated entities.

After absorbing the OTS, the OCC abandoned a comprehensive and sophisticated approach to monitoring interest rate risk.