Policy & Regulation

Brayden McCarthy and Jared Hecht of Fundera argue that the Small Business Borrowers' Bill of Rights, a self-regulatory document written by online small-business lenders, should serve as a template for future government regulation of the sector.

For those wondering where the Republican presidential candidates stand on key banking issues, the answer remains somewhat of a mystery.

Senator Elizabeth Warren is withdrawing her support for a Republican bill that had been on the fast track to bar the Treasury Department from selling Fannie Mae and Freddie Mac preferred shares, according to a person familiar with the matter.

WASHINGTON — Rep. Jeb Hensarling, R-Texas, has requested a study from the Government Accountability Office on the mandate that banks hold stock in the Federal Reserve System.

New York's banking regulator has reached an agreement with four of the banks developing an online message service to store records for potential access by regulators and other officials.

Even if the Federal Reserve decides to begin raising rates this September, banks are unlikely to get the boost they've been hoping for. That's because pent-up customer demand for attractive yields may force banks to raise deposit rates more quickly than they have projected.

The North Carolina-based BB&T is far larger than any other bank regulated by the FDIC. It should be under the supervision of an agency with more experience overseeing large banks.

Federal regulators have cited F.N.B. Corp. in Pittsburgh for violating rules to protect consumers from unwanted, automated text messages.

Under the Dodd-Frank Act, the agency must issue a proposal that would require large banks to bear the brunt of raising the DIF reserve ratio higher once it reaches a statutorily imposed minimum. With the fund rapidly increasing, the agency is likely to put out a plan by the end of 2015 — sparking a debate over what the FDIC might do.

A recap of the informed opinions (and the discussions they generated) on BankThink this week, including banks' subpar shareholder value and how big-data advocates can better communicate with critics who worry about the technology's potential discriminatory effects.