Banking Politics & Policy News
American Banker's Politics & Policy coverage delivers news and analysis on how legislative action, federal agency rulemaking, regulatory politics, and public policy debates shape banking strategy, risk, competition, and compliance. Coverage explores congressional priorities, executive branch initiatives, regulatory agency actions, and the political forces that shape and impact the operating environment for financial institutions, payments companies, fintechs and distributed finance companies.
Bank leaders must navigate a dynamic policy environment where congressional action, regulatory priorities, and political forces influence capital standards, supervisory expectations, digital asset frameworks, deposit insurance, consumer rules, and competitive dynamics.
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The Federal Deposit Insurance Corp. also approved the advance notice of proposed rulemaking for large-bank resolvability requirements and made some changes to its process for banks to appeal supervisory decisions.
October 18
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The bank regulators said they are open to all possibilities as they sought input on potential changes to resolution policies for large regional banks, but that hasn't stopped policy specialists from reading between the lines.
October 18
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Sen. Elizabeth Warren, D-Mass., has been raising the alarm bells about fraud on the bank-owned payments platform, but independently verifiable data that might inform policymaking is hard to come by.
October 17
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The regulators laid out several measures that would change how large but not global systemically important banks capitalize and structure themselves.
October 14
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Federal Reserve Gov. Christopher Waller deconstructed fellow board members' arguments that a central bank digital currency would further the dollar's status as the global reserve currency.
October 14
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Campaign rhetoric and industry political spending shows that private equity and investment firms have taken banks' place in the hot seat.
October 14
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For some bankers, net zero is like a new year's resolution — a pledge one makes and often breaks before a year has passed.
October 14
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As written, new capital standards for U.S. banks fail to account for the additional risk posed by many home loan clients who obtain second mortgages. Fixing the problem will significantly reduce the rule's benefit to banks.
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The only thing we know about the next financial crisis is that it won't look like the last one. But specific changes to bank safety and soundness requirements and clearer regulatory authorities would help us respond.
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In the year of the country's 250th anniversary celebrations, it's worth looking back at the long road the U.S. dollar took to global dominance, and the lessons we can learn from it.
