Regulation

The Senate Banking Committee continued negotiations over the weekend on landmark legislation to overhaul the mortgage finance system, but it still remains unclear when, or if, panel leaders will reschedule a key vote on the bill.

Bankers are split on whether consumers' use of credit cards will stabilize over the next two years and if their level of card debt may eventually return to pre-financial crisis levels, according to a report released Monday by the Federal Reserve Board.

Banking is dominated by leaders who are straight, white and male, despite copious evidence that greater diversity at senior management levels improves companies' performance. American Banker editors discuss why diversity efforts are falling short at banks and regulatory agencies, and what executives can do to fix these problems.

Lawmakers are increasing pressure on the Federal Reserve Board to apply different capital rules to nonbank financial firms, like insurance companies, that are designated as a possible risk to the economy.

The fate of housing finance reform hangs in the balance after the Senate Banking Committee delayed a vote on a bipartisan bill sponsored by senators Tim Johnson and Mike Crapo. American Banker editors discuss what's behind the delay and the likely next steps.

It looks like average credit scores have fallen, but only if you examine GSE and FHA originations separately, the think tank's researchers say. When they are combined, the average holds steady.

There are enough studies quantifying the subsidies that too-big-to-fail banks receive. The focus should now be on the other benefits that keep big banks too large to manage, supervise or even jail.

The National Credit Union Administration is encouraging efforts by some credit unions to offer certain deposit advance products, while many bankers feel like their regulators are cracking down on such loans.

South Carolina-based CertusBank attracted a half billions dollars in commitments to buy failed banks in the wake of the financial crisis. How the early high hopes have been dashed offers important lessons to the industry, regulators and outside investors.

The Massachusetts senator reserved a few choice words for big banks while promoting her new memoir, "A Fighting Chance," to a supportive crowd at a Manhattan Barnes & Noble.