Policy & Regulation

The largest U.S. banks are starting to question whether the advanced approaches modeling program embedded in the Basel accords is still valuable in a world where their capital levels are increasingly dictated by the annual stress tests and a supplementary leverage ratio.

The National Association of Realtors is urging policymakers to implement reforms meant to qualify more condominium buyers for Federal Housing Administration loans.

Plenty of banks have ended their federal loss-share deals early, but despite the incentives to wind them down, plenty more still have these crisis-era arrangements in place. It may be due to varying deadlines, mistakes calculating loan values or worries that they still might need the coverage for home equity lines.

A breakdown in internal controls at Bank of Princeton almost killed a deal to sell the company to Investors Bancorp.

Industry fears about the Consumer Financial Protection Bureau's "UDAAP" authority recall steps Congress took in the '70s to rein in the Federal Trade Commission.

The Financial Stability Board said Wednesday in its annual report to the G-20 that progress is being made in implementing post-crisis financial reforms, but that implementation of specific initiatives remains uneven across industrialized nations.

The growth in loan demand and the industry's interest-related income has come in spite of continued pressures on bank profitability.

A longtime advocate for African-American-owned financial institutions argues that regulators should be taking more forceful action to keep them alive.

Banks and regulators both deserve credit for how they have navigated the post-crisis period, but how regulators continue to implement rules — and how banks continue to deal with this environment — will determine if this is a turning point for finance or the prelude to another round of pain.

U.S. banking earnings rose 1.4% in the second quarter from a year earlier to $43.6 billion driven largely by interest-related income while the Deposit Insurance Fund hit a key trigger that will affect industry premiums.