Policy & Regulation

Margin compression once again overpowered loan growth in the first quarter, sapping banks’ traditional source of revenue.

The Department of Homeland Security (DHS) issued a court order to the alternative payment provider Dwolla to cease operations with Mt. Gox, the largest Bitcoin exchange, which it accuses of operating as an unlicensed money transmitter.

The heart of the issue is not who holds what titles, but whether a company’s governance processes are functioning as they should.

A modified version of Ed DeMarco’s securities-based model for housing finance reform could promote an active market for risk-sharing arrangements and further reduce systemic risk by distributing credit risk broadly.

State regulators seized a third bank unit of Capitol Bancorp., $31.6 million-asset Central Arizona Bank in Scottsdale, Ariz, in a rare Tuesday failure.

Top Federal Reserve Board officials appear to have reached a consensus on how to deal with the "too big to fail" dilemma: wait for the current reform process to play out, but be ready to significantly increase capital standards if the problem remains unsolved.

A new report from the Bipartisan Policy Center backs the Federal Deposit Insurance Corp.'s "single-point-of-entry" strategy, but says congressional changes to the bankruptcy code could also do the trick.

The Federal Reserve Board said that eighteen of the largest U.S. bank holding companies will release partial results of their midyear stress tests to regulators on July 5.

The top GOP lawmaker on the Senate Banking Committee, Sen. Mike Crapo, is requesting more information about the Consumer Financial Protection Bureau's data collection practices, claiming that the agency has been "evasive."

Accept the limitations of quantification exercises. Management should focus on identifying and mitigating risks that alone or in combination could cause a bank to fail.