Opinions

American Banker readers share their views on the most pressing banking topics of the week, from the qualities we should look for in the next sheriff of Wall Street to overdraft fee regulation. Comments are excerpted from reader response sections of AmericanBanker.com articles and from our social media platforms.

Several House lawmakers joined the call Thursday for a formal grace period for new mortgage disclosures that would go beyond an earlier decision by the Consumer Financial Protection Bureau.

Department of Housing and Urban Development Secretary Julian Castro touted the Federal Housing Administration’s recent improvement on Thursday, saying it was on a trajectory to hit its statutory minimum and had recently seen a "significant uptick in refinancings."

Banks may be using credit default swaps to circumvent capital rules, potentially shuttling risk away from the regulated sector in ways that may pose systemic risk, according to a paper issued Thursday by the Office of Financial Research.

A dramatic last-minute drop is occurring in a corner of the market for collateralized loan obligations ahead of a deadline for U.S. banks to get rid of some of their holdings.

Alternative data used to score "credit invisibles" may do more harm than good. That's because in areas like employment and insurance, no credit score is often better than a bad one.

New York's highest court may have shut the door to many future lawsuits over flawed mortgage bonds, ruling investors have six years from the day the deal closed to pursue remedies.

Banks have agreed to dole out billions of dollars in fines and settlements this year, on everything from rigging foreign-currency markets to processing transactions for groups suspected of terrorism. We catch you up if you've lost track.

The number of vacant and abandoned properties that are in foreclosure decreased in the second quarter, according to a RealtyTrac report.

A bipartisan group of Senate Banking Committee members is urging the Federal Housing Finance Agency to make risk-sharing a higher priority for Fannie Mae and Freddie Mac.