Opinions

Comptroller of the Currency Thomas Curry said banks could consider loan-to-value ratios above 90% to help revitalize areas hurt by the housing crisis.

The Consumer Financial Protection Bureau imposed up to $79 million in penalties and refunds Wednesday in enforcement actions against the country's two largest debt buyers.

The key to housing finance reform is a new securitization model that allows the private sector to price and absorb the majority of housing credit risk.

The Consumer Financial Protection Bureau has a busy agenda for the fall that includes possible action on debt collection and prepaid cards, though the agency's overall workload may cause delays.

Nearly 20 trade groups representing lenders, banks, credit unions, title companies and others are urging federal regulators to provide guidance on how they plan to enforce a new mortgage disclosure regime that goes into effect Oct. 3.

The American Bankers Association has planned a financial literacy campaign to help seniors and their caregivers guard against financial fraud.

With summer recess ending, banking agencies are about to embark on a busy policymaking schedule leading up to the end of the year.

WASHINGTON – Federal bank regulators said Tuesday that they are taking steps to ease the regulatory burden on community banks by eliminating or revising certain call report line items.

The world's biggest banks may gain greater flexibility in meeting new crisis rules as the Financial Stability Board adjusts its total loss-absorbing capacity proposal to eliminate bias against decentralized lenders and opportunities for regulatory arbitrage.

Regulators are insisting that bank boards take responsibility for corporate culture. That's no cause for alarm, so long as directors are prepared to take ownership of the issue.