Opinions

The Financial Stability Board finalized a standard Monday that will require 30 of the world’s largest banks to hold a combination of debt and equity that could be used to absorb losses and facilitate a resolution if one of them were to become insolvent.

Traditional installment lenders are fixtures in their communities and verify borrowers' ability to repay, which cannot be said of payday lenders.

The 2016 presidential race is shaping up to be the most expensive ever held. Following are the top financial-services donors, including employees, their immediate family members, and political action committee contributions, to each major presidential candidate (sorry Jim Gilmore). Data as of Sept. 30, 2015, all data based on Federal Election Commission filings compiled and analyzed by the Center for Responsive Politics.

The Financial Accounting Standards Board's proposal to start loss reserves when a loan is originated is antithetical to banks making localized financial decisions.

The unprecedented accommodative interest rate environment has spurred banks to offer long-term loans at very low rates of return, and if the cost of funds goes up — especially if it goes up more dramatically than expected — it could put depository institutions in a tough position.

U.S. Bancorp has been hit with a consent order regarding deficiencies in its anti-money laundering compliance program.

CEOS of midsize banks traveled to Washington recently to seek relief from some of the more onerous regulations that they say are making it harder for them to compete with both big banks and largely unregulated marketplace lenders that are aggressively going after their customers.

The Consumer Financial Protection Bureau's implementation of the statute banning "abusive" conduct through enforcement action instead of rulemaking is not sustainable.

American Banker readers share their views on the most pressing banking topics of the week. Comments are excerpted from reader response sections of AmericanBanker.com articles and our social media platforms.

A proposal that would require the biggest banks to issue long-term debt as a backstop to prevent another government bailout could instead instigate one, Federal Deposit Insurance Corp. Vice Chairman Thomas Hoenig said Thursday.