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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From Democrats winning control of Congress to an escalating trade war and technology companies applying for a fintech charter, there are plenty of scary prospects facing the industry.
October 28
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Readers consider to new evidence regarding Operation Choke Point, debate the impact of Democrats taking control of the House in November, respond to concerns about weakening the Volcker Rule and more.
October 25
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The result could play a big role in whether banks see more regulatory relief next year or policymakers can coalesce around a housing finance reform plan.
October 25
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Despite recriminations about how the crisis and ensuing regulations have tightened loan access, an actual assessment of mortgage credit availability finds the situation is more complicated.
October 24
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Authorities intercepted the package sent to the office of Rep. Maxine Waters, D-Calif., on the same that pipe bombs were reportedly sent to former President Barack Obama and former Secretary of State Hillary Clinton.
October 24
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Trade groups are calling on Congress to further delay NCUA's risk-based capital rule and extending a helping hand to red-state Democrats in tough reelection battles.
October 22
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Mona Shand, a former teacher, journalist and communications professional, aims to bring industry priorities to Lansing if she's elected to the state's legislature next month.
October 19
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Banks can price in risk and manage their way around both left-wing and right-wing administrations. But the kind of uncertainty that arises from today's brand of politics is impossible to model.
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Efforts by individual states to rewrite existing rules governing interstate bank lending risk throwing the entire system into chaos. Only Congress has the ability to reestablish a workable set of national rules.
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The new law's reciprocal and custodial deposit provisions recognize what the evidence has shown for two decades. They should spur, not substitute for, the broader work of protecting America's depositors.
