Policy & Regulation

The plan by the Federal Home Loan Bank of Topeka is intended to reduce the bank's mortgage concentration risk while also providing members with a new investment opportunity

The Fed was right to aggressively lower interest rates after the 2008 crisis. But continuing with zero interest rates and quantitative easing for seven years after the crisis is in conflict with the goal of increased employment and economic growth.

A two-tiered system of regulation could encourage small banks to maintain their relationship-based business model and prevent big banks from using insured deposits to conduct risky activities.

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 from social media platforms.

Trading revenues at commercial banks and thrifts took a dive in the fourth quarter but largely because of seasonal trends, the Office of the Comptroller of the Currency said Wednesday.

As the industry's recovery boosts hopes of new-bank activity, some are already focused on what the greater stability could mean for the embattled industrial loan company charter.

The administration's new step empowers Treasury to freeze assets of those behind attacks that harm the U.S. financial system or other "critical" infrastructures.

The Office of the Comptroller of the Currency appointed Richard Taft to be its next deputy comptroller for credit risk.

The technology, still in its early development stages, will analyze Home Mortgage Disclosure Act files prior to formal submission to the regulator so lenders can spot and fix errors faster.

Federal regulators announced Tuesday they approved Wells Fargo’s process for complying with risk-based capital requirements under the “advanced approaches” framework of the international Basel III regime.