Opinions

WASHINGTON — The Federal Deposit Insurance Corp. does not require all its administrative users to log into its systems using multifactor authentication, according to an audit released Friday by the agency's Office of Inspector General.

Banks and industry representatives are asking whether the proposed long-term liquidity rule properly takes into account the risk profiles of certain assets, the interaction with other liquidity rules, and even whether the regulation is needed at all.

Another data firm plans to seek regulatory certification as a credit bureau for payday lenders.

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 new exam handbook released by the Office of the Comptroller of the Currency is sparking concerns that the agency is quietly expanding heightened regulatory guidelines meant for larger banks to smaller institutions.

Payday lenders are pushing into more states with longer-term installment loans or lines of credit, a shift that is expected to accelerate with the Consumer Financial Protection Bureau's plan to regulate small-dollar loans.

A Federal Housing Finance Agency rule that will force some members of the Federal Home Loan Bank System out next year is likely to have a material effect on several of the cooperative institutions.

Mortgage lenders can expand their businesses by catering to borrowers who aren't proficient in English, but doing so requires strategic recruiting and hiring and compliance with federal and state regulations.

Those wanting to break up banks act as though policymakers had no regulatory response to the crisis, but here’s an illustration of how actual reforms would have prevented a large failure.

Roger Ferguson is hedging his bet that regulators will go along with his plan to turn TIAA into a financial supermarket.