Regulation

The proposed merger of the Home Loan banks in Seattle and Des Moines could spur massive consolidation among their sister banks, but only if the two show it's possible to overcome governance and other logistical challenges that have deterred similar deals.

The senior officer loan survey, which is released by the Fed every three months, asked both large U.S. banks and foreign banks about the effect the new ability-to-pay and qualified mortgage rules were having on approval rates for various types of home purchase loans.

NorthStar Bank once relied on its investment portfolio to drive revenue. It recently changed course, targeting loans and customers in search of a better future.

Enforcement actions can head off future Bank Secrecy Act violations by outlining the specific steps that compliance officers ought to have taken, according to Robert Axelrod of Deloitte Transaction and Business Analytics.

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It is precisely because we do not know whether the government would opt for a bailout the next time there is a banking crisis that regulators must continue to confront the significant challenges posed by U.S. banks, writes Mayra Rodríguez Valladares.

Rich Weaver has retired as commissioner of the Missouri Division of Finance.

A new government report finds that the size of big bank subsidies falls in stable periods and increases in times of stress. That spells danger when the next crisis comes around, writes Independent Community Bankers of America chief Camden Fine.

The banking industry is stepping up pressure on the Senate to pass a cybersecurity bill this fall that would expand information sharing on cyber threats between private companies and the federal government.

Today's investors realize how little they understand banks' risk exposures and are skittish about providing risk capital. The solution is to create transparent bank reports that present information in a clear, accessible manner, according to Vincent Papa of the CFA Institute.