Policy & Regulation

Lawmakers are working behind the scenes to spur a potential vote on legislation that would ease capital standards for insurance companies as soon as next week.

A recap of the informed opinions (and the discussions they generated) on BankThink this week.

American Bancorporation was the first-ever bank holding company thrown into bankruptcy by the holders of its trust-preferred securities. Regulators may be able to avoid similar bankruptcies if more flexibility is shown in allowing holding companies to access capital to pay off creditors.

The Securities and Exchange Commission appears poised to soon finalize a plan to reform the $2.6 trillion money market mutual fund industry.

The Consumer Financial Protection Bureau is learning just how hard it is to put effective curbs on small-dollar consumer credit.

A Republican-led congressional panel is accusing the Department of Justice of overstepping its legal authority and unfairly harming legitimate merchants as part of an investigation into fraudsters' use of the banking system.

Fifth Third Bancorp of Cincinnati expects to report an $81 million gain in the second quarter after selling shares of payment processing firm Vantiv.

Ally Bank CEO Barbara Yastine admits there’s a drawback to not having bricks and mortar — but it isn’t enough to make her regret not having branches under the Ally banner, which replaced the GMAC Bank brand five years ago this month. Yastine also discusses Know Your Customer standards and why the company is standing by its indirect auto finance model.

The car title loan industry is poised to grow substantially if it's not covered by CFPB regulations on payday lending. But the bureau has not laid the groundwork for title lending rules in the same way it has for payday lending.

The regulatory focus must shift from prohibiting undesirable risk behavior to changing the incentives that cause that behavior.